Desk
Money, planning, and AI-era advice for individuals.
SECURE 2.0 now forces Roth treatment on catch-up 401(k) contributions for higher earners — a stealth tax change many retirees will feel. Here’s what to do next.
Online banks and fintechs are advertising double-digit-feel yields for cash. Here's a pragmatic take on when to jump, what to avoid, and how to park your emergency money without getting fleeced.
Brokerages and TreasuryDirect have made short-term Treasuries easy to buy. For savers who want safety, yield, and flexibility, T‑bills are quietly becoming the default cash alternative.
With biggest online banks cutting advertised yields after the Fed’s softening, savers face a choice: ladder, lock, or lean into Treasuries and I Bonds. Here’s a practical playbook.
Fintechs are embedding generative AI into budgeting apps and robo-advisors to negotiate bills, forecast cash flow and personalize retirement plans — here's what actually works and what to watch.
With bank yields lagging and Fed-driven short rates high, U.S. Treasury bills are quietly becoming the best place for emergency cash. Here’s how to move money without sacrificing liquidity or safety.
As traditional lending tightens, an innovative wave of crypto-backed home loans is stirring interest—and skepticism—among American borrowers.
The rise of AI-powered fintech is reshaping wealth management with tailored, affordable solutions appealing to younger investors in 2025.
Recent updates to 401(k) regulations bring fresh opportunities — and challenges — for American savers planning their golden years.
From smart budgeting apps to AI-driven investment advice, fintech innovations are transforming how Americans handle their money—and the stakes have never been higher.
Leading fintech companies are integrating generative AI to deliver personalized financial insights, transforming how Americans manage money and invest.
Fintech innovators are deploying AI credit assessments that promise faster, fairer lending decisions, reshaping access to credit for millions of Americans.
Automated investment platforms harness AI to offer personalized portfolios, gaining massive popularity among younger investors wary of traditional financial advisors.
A draft framework leaked this week sets the bar higher than most robo-advisors expected.