Saving
How to build an emergency fund on a tight budget
A starter emergency fund of even $500 to $1,000 measurably changes how a household absorbs a surprise bill, and the path there is smaller than most people…
Author
Tomás Ferreira
Tomás Ferreira covers crypto markets and digital assets. He came to crypto through payments infrastructure and still finds the plumbing more interesting than the price — his reporting spans consensus, settlement and custody, the fintech layer above banking, index flows and single-company results, and the cash reserves and savings timelines on the household side.
Articles by Tomás Ferreira
Saving
What FDIC insurance covers, and what it doesn't
Federal deposit insurance protects the money in your bank accounts automatically, up to set limits per ownership category — here's exactly what's covered, what…
Saving
How compound interest works in a savings account
Compounding frequency changes how fast your savings grow, but APY already does the math for you — here's how the two connect.
Saving
How savings interest is taxed — the 1099-INT, explained
Bank and Treasury interest is ordinary income the year it is credited, reported on a 1099-INT at $10 or more — with a state-tax quirk that favors Treasuries.
Saving
Treasury bills for beginners: how T-bills pay you
Treasury bills lend money to the US government for weeks to a year, pay by selling at a discount, and skip state income tax — a saver's alternative to savings…