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The complete editorial archive. New posts published most weeks.
April 2026
· 10 postsFed holds rates again: what the April 2026 decision means for your wallet
The Federal Reserve voted on April 29, 2026 to keep interest rates at 3.5%-3.75% in a divided 8-4 vote, the most dissent the committee has shown in over thirty years. Here is what that means in plain English for the rates you actually pay.
Read →What the latest jobs report tells you
The Bureau of Labor Statistics releases jobs numbers monthly, and markets react instantly. Here is what those numbers actually tell you about the economy and your finances.
Read →Roth vs Traditional: the framework people use to think about it
It is one of the most common retirement-account questions, and the answer comes down to a single comparison that's worth thinking through carefully.
Read →Why Treasury yields are stuck high, and what changes when they move
Treasury yields have been elevated for a while. Here is what is keeping them there and how that affects normal financial decisions you might be making this year.
Read →The S&P 500's quiet concentration problem
Index funds are diversified by design, but the major U.S. indexes are now more concentrated in a handful of names than they have been in decades. Here is what that means for your portfolio.
Read →Tax deadline just passed: 5 housekeeping items people often forget
The April 15 tax filing deadline has come and gone. Here are five common housekeeping items people often handle right after filing, while the information is still fresh.
Read →What Fed rate decisions actually change in the economy
Eight times a year the Federal Reserve announces an interest-rate decision. Here is what that decision actually changes in your daily financial life.
Read →Why your savings account rate just changed
If a high-yield savings APY dropped recently, the reason is usually external. Here's what's happening and what's typically worth a look.
Read →Earnings season, explained for normal people
Four times a year, the financial media talks about 'earnings season.' Here is what it actually is and why a stock can fall 10% on 'good' news.
Read →Tax-loss harvesting in 4 minutes
A common end-of-year tax move, in plain English: sell losing investments to reduce your tax bill, but watch the wash-sale trap.
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