WSJ.com : Personal Finance

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


Three Year-End Strategies That Can Cut Your 2025 Tax Bill

Wed, 03 Dec 2025 17:00:00 GMT

The rules for deductions on charitable donations are changing, but taxpayers who itemize can still benefit by acting before Dec. 31.

By: Robyn A. Friedman

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Vanguard Joins Push to Offer 401(k)s With a Regular Payout

Wed, 03 Dec 2025 13:45:00 GMT

Retirement savers should consider annuity fees and features, such as when payments start.

By: Anne Tergesen

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Can ‘Trump Accounts’ for Babies Change the Economics of Having a Family?

Wed, 03 Dec 2025 02:00:00 GMT

They may not convince more people to have kids, but supporters say the accounts show the government is dedicating attention to children.

By: Rachel Wolfe

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‘Trump Accounts’ for Kids Come With $1,000—and Tax Complications

Tue, 02 Dec 2025 20:28:00 GMT

The details of these IRAs for youngsters are becoming clearer.

By: Ashlea Ebeling

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Michael and Susan Dell Donate $6.25 Billion to ‘Trump Accounts’ for Children

Tue, 02 Dec 2025 20:23:00 GMT

The donation will seed tax-deferred investment accounts for roughly 25 million American children.

By: Ashlea Ebeling, Brian Schwartz, Gunjan Banerji

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How to Get the Most Out of Your Gift Cards

Tue, 02 Dec 2025 16:00:00 GMT

If you’re left with a small balance, in some states you can ask for the change.

By: Jane Hodges

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How the Megabill Changes 2025 Tax Breaks for SALT and Charity

Fri, 28 Nov 2025 10:30:00 GMT

Revisions to rules for deducting state and local taxes and charitable donations will affect millions of affluent Americans.

By: Laura Saunders

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IRS Loosens Rules for Workers to Claim ‘No Tax on Tips’ Deductions

Fri, 21 Nov 2025 16:15:00 GMT

The agency is delaying implementation of a provision of the new law that prevents workers in certain service businesses from claiming the deduction.

By: Ashlea Ebeling, Richard Rubin

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How to Squeeze the Most From the New SALT Cap

Sun, 26 Oct 2025 00:00:00 GMT

Taxpayers can act now to make the most of an increase in state and local tax deductions when they file 2025 taxes in the spring.

By: Richard Rubin, Ashlea Ebeling

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A Couple in Their 80s Wants to Do Roth Conversions. Should They?

Sun, 19 Oct 2025 14:00:00 GMT

Glen and Harriett Hager have done a lot of estate planning. But they want to get their finances set in case one of them becomes incapacitated.

By: Demetria Gallegos

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The 2026 Tax Brackets Are Here. See Where You Land.

Thu, 09 Oct 2025 15:57:00 GMT

Inflation adjustments and the new tax law will combine to give taxpayers more relief.

By: Ashlea Ebeling

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The Best Way to Do a Roth IRA Conversion Before Retirement

Sun, 16 Nov 2025 15:00:00 GMT

A one-time transfer outperforms an equal-installments method in most tax situations, research finds.

By: Derek Horstmeyer

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Forgotten 401(k) Accounts Are Costing Americans Billions in Lost Investment Gains

Sun, 16 Nov 2025 14:51:00 GMT

As workers change jobs, more retirement accounts are being left behind.

By: Anne Tergesen

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Three Mistakes People Make When Transferring Their 401(k)s to IRAs

Sat, 15 Nov 2025 15:00:00 GMT

Missteps can lead to higher taxes and penalties or missed opportunities to make use of your savings.

By: Debbie Carlson

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A Retired Litigator Finds a New Challenge: Teaching High-School Students

Sat, 15 Nov 2025 14:00:00 GMT

He increasingly felt like he was wasting his time as a lawyer. Now, he hopes he can continue practicing his new profession until he’s 70.

By: Julie Halpert

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Here Are the New Contribution Limits for 401(k)s, IRAs in 2026

Thu, 13 Nov 2025 18:07:00 GMT

Workers will be able to put up to $24,500 into their 401(k)s and similar workplace retirement accounts in 2026, up $1,000 from this year, the IRS said.

By: Anne Tergesen, Richard Rubin

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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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Using Your Credit Card at the Checkout Is Set to Get a Lot More Complicated

Tue, 11 Nov 2025 10:30:00 GMT

A settlement between Visa, Mastercard and merchants could usher in a new era of tiered pricing at the register.

By: Imani Moise

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Affirm Eyes Card Payments as Next Era of Buy Now, Pay Later

Fri, 07 Nov 2025 19:24:00 GMT

Buy now, pay later companies like Affirm are aiming to compete more closely with credit-card companies.

By: Katherine Hamilton

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They Signed Up for Citi’s New Premium Card. It Turned Into a Nightmare.

Thu, 16 Oct 2025 09:30:00 GMT

The bank’s Strata Elite cardholders say they have been locked out of their accounts for weeks, unable to make purchases or redeem rewards that cost an annual $595 fee.

By: Imani Moise

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Equifax Cuts Prices After FICO Shakes Up Credit-Score Market

Tue, 07 Oct 2025 21:17:00 GMT

The data and technology company will offer its VantageScore 4.0 mortgage credit scores for less than half of the price of FICO’s scores through the end of 2027.

By: Kelly Cloonan

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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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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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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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