WSJ.com : Personal Finance

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


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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Live Q&A: Chat With WSJ Reporters About the Cost of Raising Children

Fri, 29 Aug 2025 16:00:00 GMT

Join a real-time, written conversation from 1 p.m. to 2 p.m. ET Wednesday.

By: Te-Ping Chen, Veronica Dagher, Joe Pinsker

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She’s 7 Years Old. Her Parents Are Saving to Support Her When She’s 30.

Mon, 25 Aug 2025 09:30:00 GMT

A new camp of financial advice suggests it is OK to help your adult children financially, and you might as well start saving early.

By: Hannah Erin Lang

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The Tax That Billionaires Actually Pay

Mon, 25 Aug 2025 03:59:00 GMT

Nearly 40% of taxes at the very top come through the corporate income levy, study says.

By: Richard Rubin

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Summer Is Endless, and Expensive, When You’re a Working Parent

Sun, 24 Aug 2025 09:30:00 GMT

Stress, guilt and money converge when school gets out. Let our illustrator draw it out for you.

By: Alexandra Citrin-Safadi

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Trump’s New Car-Loan Tax Break Might Break Your Brain

Sat, 23 Aug 2025 14:00:00 GMT

It is about boosting all American-made autos, not just EVs, but not all buyers benefit, they must be patient and the incentive is modest.

By: Christopher Otts

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What Trump’s Megabill Means for Roth IRA Conversions

Fri, 22 Aug 2025 09:30:00 GMT

The tax-and-spending legislation enacted in July has tax breaks for some savers but makes an already-complex process trickier.

By: Laura Saunders

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Your Kids Are Your Pride and Joy. They Are Also a Tax Break.

Thu, 21 Aug 2025 23:00:00 GMT

Private school, summer camp, braces—parents can find discounts everywhere once they think like tax pros.

By: Ashlea Ebeling

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The Estate Tax Mistake That Can Cost Families Millions

Sun, 10 Aug 2025 02:00:00 GMT

One family ended up with an extra tax bill of $1.5 million. Now estate lawyers are on edge.

By: Ashlea Ebeling

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Get Ready for New Rules on Tax Breaks for Charitable Giving

Fri, 25 Jul 2025 09:30:00 GMT

Donors have several months to plan their contributions before changes from the One Big Beautiful Bill kick in.

By: Laura Saunders

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Investors Get New Breaks on Capital-Gains Taxes in Trump Law

Sat, 12 Jul 2025 09:00:00 GMT

The top rate stays untouched, but investors in Opportunity Zones and startups get breaks.

By: Richard Rubin

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Americans’ 401(k)s Are More Tied to Stocks Than Ever

Thu, 14 Aug 2025 20:37:00 GMT

Even in target-date funds that shift from stocks to bonds, more is going into stocks.

By: Anne Tergesen, Hannah Erin Lang

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Americans See Their 401(k)s Not Just as Nest Eggs but as Rainy Day Funds

Sun, 27 Jul 2025 01:00:00 GMT

There is more “leakage” from the $12.2 trillion in these retirement accounts.

By: Anne Tergesen

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Here’s What a Late-Career Layoff Looks Like in America, in 5 Charts

Sun, 20 Jul 2025 01:00:00 GMT

Many take longer to find new jobs, while others retire earlier than planned.

By: Anne Tergesen, Veronica Dagher, Stephanie Stamm

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We’re Back on the Road, in Search of Balance in Retirement

Mon, 07 Jul 2025 00:00:00 GMT

The yin of home and the yang of travel offer the perfect mix while we’re still healthy. Too much togetherness? Not for us.

By: Stephen Kreider Yoder, Karen Kreider Yoder

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Late-Career Job Losses Are Blurring What Retirement Looks Like in America

Sun, 06 Jul 2025 01:00:00 GMT

Four people open up about their finances and how they spend their time.

By: Veronica Dagher, Anne Tergesen

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Americans Pull Back From an Epic Credit-Card Binge

Sun, 17 Aug 2025 00:00:00 GMT

Credit-card spending is growing more slowly than debit-card spending for the first stretch in years.

By: Imani Moise, Dalvin Brown

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7 Questions to Answer Before Adding Your Child to Your Credit Card

Sat, 09 Aug 2025 14:00:00 GMT

Giving your kids access to your plastic can help them establish credit and learn sound financial behavior, but it’s important to set boundaries and expectations.

By: Cheryl Winokur Munk

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Push to Add ‘Buy Now, Pay Later’ Loans to Credit Scores Hits a Snag

Tue, 05 Aug 2025 09:30:00 GMT

Klarna said it plans to withhold data until it is assured its customers won’t be unfairly penalized.

By: Imani Moise

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A Generation Is Turning to ‘Buy Now, Pay Later’ for Botox and Concert Tickets

Sat, 02 Aug 2025 09:30:00 GMT

Young Americans are turning to easy, high-interest loan products. Research shows some are spending more.

By: Angel Au-Yeung

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Banks Hate ‘Buy Now, Pay Later’—and May Penalize Its Users

Tue, 22 Jul 2025 09:30:00 GMT

Lenders are wary of the fast-growing installment plans, but FICO says they could lift credit scores.

By: Imani Moise

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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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No One Can Find Safe-Deposit Boxes Anymore

Fri, 15 Nov 2024 02:00:00 GMT

As banks close branches, many are ditching a traditional service that they consider to be outdated.

By: Ben Eisen, Shara Tibken

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I’m 37 Years Old, and I Haven’t Saved Nearly Enough for Retirement. What Do I Do?

Sun, 11 Aug 2024 16:00:00 GMT

Like so many millennials, I started saving late, and catching up hasn’t been easy.

By: Will Flannigan

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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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Here’s What Goes Into Your Mortgage Rate

Mon, 29 Apr 2024 09:42:00 GMT

Credit scores and other factors have a growing impact on borrowing cost.

By: Ben Eisen

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3 Ways to Lock In Lower Mortgage Rates

Tue, 09 Apr 2024 18:53:00 GMT

With affordability expected to remain challenging for home buyers, experts say there are ways to ease the pain.

By: Lori Ioannou

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