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COLLEGE STATION, Texas (KBTX) – U.S. credit card balances rose during the third quarter, and now total $1.23 trillion outstanding and are above the level a year ago. That, along with tariffs and inflation, may be the reason some consumers are spending less this holiday season, according to Cody Moore, who helps manage people’s money.“I think the volatility that [tariffs] created in the market this year has left Americans just a little bit more timid and curious, and maybe uncertain for where we’re headed, into the new year, [in terms of] how the economy is going to be,” Moore explained.According…

BATON ROUGE, La. (WAFB) – A Liberty, Texas woman is fighting to clear her name after discovering fraudulent student loans tied to a Baton Rouge college appeared on her credit report without her knowledge.Shelby Lacefield, who lives three and a half hours away from Baton Rouge, said she discovered the unauthorized loans in October 2024 through a Capital One alert. The loans totaled nearly $5,000.“I believe I am very competent in the tech space. I use strong passwords, you know, it’s kind of like hang on, wait what?” Lacefield said.Baton Rouge police say they have seen an uptick in similar…

If there is a question that people in the FIRE (financial independence, retire early) world love to discuss the most, it’s at what number you truly become “retirement ready.” There’s a number that everyone in this crowd wants to meet to retire comfortably independently, but does this number differ from the same people who want … Is Financial Independence the Same as Being Rich? My Thoughts on Budgeting and Wealth Perception

We’re joined in-studio by David Bach, bestselling author of The Automatic Millionaire and The Latte Factor. He’s updated his most popular book (over two million copies sold) and this is his last big launch as he heads into retirement. Together, we wrestle with a problem our listeners know well: what happens when you’ve built the habit of saving, investing, optimizing … and then feel weirdly unable to spend. We talk about mini-retirements, the psychology of “spend and enjoy,” and why waiting to touch retirement money can be its own kind of risk. Key Takeaways Think about retirement as a series…

On Dec. 10, the Federal Reserve voted to lower the federal funds rate by 25 basis points. A basis point is one one-hundredth of a percentage point. Mortgage lenders had been expecting a cut, and mortgage rates had fallen in the weeks ahead of the meeting.This move was largely predicted by analysts, despite tensions among central bankers. Still, the path to cutting was not unanimous or obvious. While some committee members, like New York Fed President John C. Williams, had publicly voiced support for a cut, others, including Chicago Fed President Austan Goolsbee, raised concerns about inflation. One reason for…

Borrowers will cheer the news of a Fed rate cut to end 2025 when lenders respond by lowering their own rates. Savers, not so much. The Fed opted for a 25-basis-point cut, bringing the federal funds rate down to 3.50% to 3.75%. The cut, made on Dec. 10 by the Federal Open Market Committee, was widely expected. The rate decision arrives in the wake of the federal government shutdown, which halted agency data collection. Reports were postponed or skipped altogether, meaning that the Fed didn’t have a full picture of the economy when making its decision. In this meeting —…

The student loan landscape will shift dramatically in 2026, and while many details are still being hammered out in rulemaking negotiations — or are being actively litigated in court — the broad outlines are becoming clearer for both current and future borrowers.The One Big, Beautiful Bill Act (OBBBA) laid out changes that won’t go into effect until July 1, 2026, such as major changes to repayment plans for federal loans, or newly enacted limits on loans for graduate school. Still, gaining an understanding now is important, as the changes will have major implications for borrowers. “So there’s sort of two…

The student loan landscape will shift dramatically in 2026, and while many details are still being hammered out in rulemaking negotiations — or are being actively litigated in court — the broad outlines are becoming clearer for both current and future borrowers.The One Big, Beautiful Bill Act (OBBBA) laid out changes that won’t go into effect until July 1, 2026, such as major changes to repayment plans for federal loans, or newly enacted limits on loans for graduate school. Still, gaining an understanding now is important, as the changes will have major implications for borrowers. “So there’s sort of two…

I can’t count how many times I’ve heard someone, when talking about disability insurance, say, “I’m healthy, I don’t need it” or “My group policy is enough,” or, even, “My parents will take care of me.” Others assume disability is something that only happens to “other people”—until it isn’t. For high-income professionals, your ability to earn an income is your most valuable financial asset. Losing it, even for a short time, can derail everything you’ve worked so hard to build. In this article, we’ll break down the most common misconceptions about disability insurance and why falling for them could cost…