Saving
What is a 529 plan — and how do you start one?
A 529 plan grows tax-free for education costs, with state tax breaks layered on in most states — the earlier the start, the more the compounding does the…
Saving: Goals and Habits
How much cash to hold, where it earns most without a lockup, and how to reach a target on a schedule that does not assume an unrealistic surplus.
Saving
How to save for a house down payment
Target the down payment plus closing costs plus reserves, park it in insured accounts on your timeline, and automate the monthly math — stocks do not belong in…
Saving
New I bond rate is 4.26% starting May 1, 2026
Series I savings bonds bought through October earn a 4.26% composite rate — a 0.90% fixed rate that lasts 30 years plus an inflation component of about 3.34%.
Saving
Where to keep your emergency fund
The emergency fund's job is availability, not growth — which rules out stocks, argues for high-yield savings, and makes a second bucket for slow-motion…
Saving
How to build a CD ladder in five steps
Split cash across certificates with staggered maturities and a piece of your money comes due every year — liquidity from the short end, yield from the long end.