WSJ.com : Personal Finance

The latest personal finance news, analysis and insights, covering retirement, how to manage your savings, tax guidance and more.


He Earns $1,000 a Job—and He’s a Car Dealer’s Worst Nightmare

Sat, 14 Mar 2026 23:00:00 GMT

With car prices soaring, one man deploys dealer speak to talk down the sticker price on behalf of buyers: “You’re hiring a middleman to deal with the middleman to make the middleman more efficient.”

By: Imani Moise

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Financier Who Offered ‘Guaranteed’ High Yields Pleads Guilty to Fraud

Sat, 14 Mar 2026 15:39:00 GMT

Financier Paul Regan, whose investment firms Yield Wealth and Next Level Holdings promised investors returns of 10.5%, 15% and higher, has pleaded guilty to felony charges of securities fraud.

By: Jason Zweig

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How Homeowners Are Turning to Adjustable-Rate Mortgages, in Charts

Thu, 12 Mar 2026 16:21:00 GMT

The loans faded from popularity after helping fuel the 2008 financial crisis, but now high mortgage rates have more borrowers turning to them.

By: Veronica Dagher

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How to Protect Yourself From Financial Scams Targeting Older Adults

Wed, 11 Mar 2026 16:00:00 GMT

Americans over 60 are losing billions of dollars to fraud, a far bigger threat than physical crime.

By: Clare Ansberry

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How Much Do You Know About Minimizing Taxes on Your Investments? Try Our Quiz

Sun, 08 Mar 2026 16:00:00 GMT

What is the tax rate on qualified dividends? What investment is tax-free at the state or local level but not federally?

By: Debbie Carlson

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WSJ Readers Share How They Are Using AI for Tax Prep

Sun, 08 Mar 2026 00:00:00 GMT

From capital gains to Roth conversions, people reveal how artificial intelligence is helping them—and where it’s falling short.

By: Ashlea Ebeling

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Don’t Miss Out on Big Tax Breaks When You Sell Your Home

Fri, 06 Mar 2026 10:30:00 GMT

A recent Tax Court case highlights the pitfalls that can cost sellers dearly.

By: Laura Saunders

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5 Tax Scams to Watch for This Filing Season

Wed, 04 Mar 2026 17:00:00 GMT

High-pressure tactics, official-sounding messages and other tricks are potentially bedeviling taxpayers.

By: Lori Ioannou

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Estimated Taxes Are a Pain. Here’s How to Avoid Costly Penalties.

Fri, 20 Feb 2026 17:00:00 GMT

It’s important, but not easy, to get the timing right for tax payments on income that doesn’t have withholding.

By: Laura Saunders

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Your Effective Tax Rate Might Be Lower This Year. We Show You Why.

Tue, 17 Feb 2026 17:00:00 GMT

Use our interactive tool to see why your top tax rate isn’t what you actually pay.

By: Ashlea Ebeling, Jason French, Drew An-Pham

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What I Wish I’d Known When Filing My Late Father’s Tax Return

Sun, 08 Feb 2026 01:00:00 GMT

There are steps people can take to avoid prolonged waits for a deceased loved one’s tax refund.

By: Anne Tergesen

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Record Numbers of Workers Are Raiding Their 401(k) Savings

Wed, 04 Mar 2026 13:00:00 GMT

A divergent economy has given people record retirement savings and more need to dig into them.

By: Anne Tergesen

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The Biggest New Fans of 401(k)s Are Small Businesses

Sun, 22 Feb 2026 01:00:00 GMT

Millions more small-business employees gained access to 401(k)-style retirement plans in recent years, a result in part of new types of plans like the pooled employer plan, or PEP.

By: Anne Tergesen

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What Has Surprised Us Most About Retirement

Thu, 12 Feb 2026 16:06:00 GMT

One of us has struggled—with identity, time and money. The other, not so much.

By: Stephen Kreider Yoder, Karen Kreider Yoder

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After Having Two Children, a Couple Still Hopes to Retire Early. Can They?

Tue, 03 Feb 2026 15:00:00 GMT

Alejandro and Brady Muñoz had been into the FIRE movement. Now they want to save aggressively again. A financial expert weighs in.

By: Lisa Ward

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Older Americans Making Catch-Up 401(k) Contributions Set for Tax Hit

Sun, 11 Jan 2026 03:00:00 GMT

A new rule requires many workers 50 and older to put extra savings into a Roth account.

By: Anne Tergesen

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For Young Adults, a Credit Score Is a Mystery—Until It Suddenly Matters

Tue, 03 Mar 2026 16:10:00 GMT

The ebbs and flows of a score can be confusing, so accepting and understanding them is key.

By: Julia Carpenter

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How Trump’s Cap on Credit-Card Rates Would Reshape the Rewards World

Tue, 13 Jan 2026 17:00:00 GMT

The president’s proposed limit could intensify competition for premium-card holders.

By: Imani Moise

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What 10% Credit-Card Rate Cap Would Mean for Your Wallet

Mon, 12 Jan 2026 13:40:00 GMT

President Trump’s call for a cap promises to save Americans billions in interest but also can lead to tightened access to credit.

By: Veronica Dagher

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New Debit Cards Have an Unexpected Feature: Rewards

Fri, 05 Dec 2025 17:00:00 GMT

A new crop of cards come with cash back, miles and airport-lounge access.

By: Imani Moise

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Block to Show Its Version of Credit Scores to Cash App, Afterpay Users

Wed, 19 Nov 2025 19:11:00 GMT

The company doesn’t share its consumer data with the traditional credit-reporting system.

By: Imani Moise

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Financial Discipline Is an Easy Resolution to Make, but a Hard One to Keep

Tue, 30 Dec 2025 18:00:00 GMT

We all say we want to save more and spend less. The key is to think more broadly.

By: Annabelle Williams

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He Works Full Time and Goes to College. Is He Saving Enough?

Tue, 14 Oct 2025 16:00:00 GMT

Will West wants to get a master’s degree and then own a house within 10 years. A financial adviser weighs in.

By: Lisa Ward

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The One Day a Year I Spend a Lot of Money

Sat, 04 Jan 2025 13:00:00 GMT

I keep a tight rein on my spending throughout the year. But for my birthday, I focus on what I want, not just what I need.

By: Cordilia James

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Money Moves for the New Year: Setting and Keeping Your Personal-Finance Goals

Fri, 27 Dec 2024 08:21:00 GMT

A four-part podcast series that answers listeners’ questions about achieving their financial goals for 2025.

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So Many Friends and Family. I Can’t Afford Gifts for All of Them.

Fri, 06 Dec 2024 15:00:00 GMT

I can’t give something to everybody in my life. The trick is narrowing down the list—and keeping it all on budget.

By: Jessica Chou

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Will a 50-Year Mortgage Make Homes More Affordable? Here’s How It Would Work.

Mon, 10 Nov 2025 20:14:00 GMT

A mortgage this long would reduce a home buyer’s monthly payments, but the interest owed would be much higher.

By: Rebecca Picciotto, Nicole Friedman

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Mortgage Refinancing Starts to Thaw as Rates Trend Down

Sun, 31 Aug 2025 01:00:00 GMT

With the average 30-year fixed mortgage rate at a 10-month low, homeowners with high-rate mortgages are starting to get excited about refinancing

By: Ben Eisen, Veronica Dagher

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What Happens When Your House Burns Down and You Still Have a Mortgage?

Thu, 16 Jan 2025 19:08:00 GMT

Borrowers are still on the hook but might be able to pause payments.

By: Gina Heeb, Ben Eisen

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Rent or Buy? How Falling Mortgage Rates Change the Math

Sun, 29 Sep 2024 01:00:00 GMT

Rents remain high, but not as high as mortgage payments.

By: Veronica Dagher

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Should You Refinance Your Mortgage? The Fed’s Big Cut Changed the Math

Thu, 19 Sep 2024 16:37:00 GMT

Millions can potentially save money by refinancing, but many are waiting for rates to drop further.

By: Veronica Dagher

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