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Career
How to Ask for a Raise: A Step-by-Step Guide for Any Job
A practical, step-by-step guide to preparing for, asking for and following up on a raise, including what to say and what to do if the answer is no.
The Evergreen Edit5 min read
Search
44 results for “ai”
Money
Newsom Signs California Home Insurance Protections but Vetoes Two Wildfire Claims Bills
On Sept. 27, California Gov. Gavin Newsom signed new rules on home insurance nonrenewals and claims penalties but vetoed two bills wildfire survivors had pushed for.
The Evergreen Edit3 min read
Career
Fed's Lisa Cook: AI May Be Squeezing Some Entry-Level Jobs and Adding to Inflation
In a Sept. 28 speech, Federal Reserve Governor Lisa Cook said recent college graduates are having a harder time landing first jobs and that AI spending may be adding to some costs.
The Evergreen Edit3 min read
Wealth
Home Prices Rose 1.9% Over the Past Year but Still Trailed Inflation, Case-Shiller Report Shows
Two reports released September 29 show home prices rising modestly, 1.9% nationally by Case-Shiller's count and 2.6% by the FHFA's, but prices are still falling once inflation is taken into account.
The Evergreen Edit3 min read
Lifestyle
Egg Prices Have Crashed So Far That America's Biggest Egg Producer Just Posted a Loss: What It Means at the Grocery Store
Cal-Maine Foods swung to a $58.6 million quarterly loss as wholesale egg prices fell about 59%, a sign that cheaper eggs at the store may stick around for now.
The Evergreen Edit3 min read
Money
In Default on Student Loans? A New Online Support Center Lets You Apply to Fix It Without Paper Forms
The Education and Treasury departments launched an online Defaulted Loans Support Center on StudentAid.gov, where borrowers in default can apply for rehabilitation or consolidation.
The Evergreen Edit3 min read
Business
Micron's Record $54 Billion Quarter Shows the Memory Chip Crunch Isn't Over: What It Could Mean for Laptop and Phone Shoppers
Memory chipmaker Micron reported record quarterly revenue of $54.2 billion as AI demand keeps memory in short supply, a trend that has been pushing up the cost of computer parts.
The Evergreen Edit2 min read
Lifestyle
Oil Prices Jump After Trump Rejects Iran's Hormuz Offer: What It Could Mean at the Pump
Oil rose about 4% on Sept. 28 after President Trump rejected Iran's proposal to reopen the Strait of Hormuz, with gas averaging about $4.48 a gallon and diesel near a record.
The Evergreen Edit3 min read
Wealth
How to Build an Emergency Fund, Step by Step
A plain-English guide to figuring out how much emergency savings you need, where to keep it and how to build it, even on a tight budget.
The Evergreen Edit5 min read
Entrepreneurship
Why Lovable Is a Game-Changer for Entrepreneurs
You no longer need a developer or a five-figure budget to launch software. Here's how Lovable's AI app builder works, and why it's quietly changing the maths of starting a business.
The Evergreen Edit5 min read
Money
Sinking Funds: How to Save for Big Expenses Before They Become Emergencies
A sinking fund is money you set aside a little at a time for an expense you know is coming. Here is how to build them, with simple math and real-life examples.
The Evergreen Edit5 min read
Wealth
How to Read Your Credit Report and Fix Errors, Step by Step
A plain-English guide to getting your free credit reports, understanding each section, spotting mistakes and disputing errors with the credit bureaus.
The Evergreen Edit5 min read
Money
Fed's John Williams Says There Is 'No Need for Urgency' on the Next Rate Hike: What It Means for Savers and Borrowers
New York Fed President John Williams said one more rate increase may be appropriate late this year but that there is no need to rush, a message that matters for savings rates and loan costs.
The Evergreen Edit3 min read
Wealth
Fannie Mae and Freddie Mac Will Price Mortgages the Same Whether Lenders Use FICO or VantageScore
The FHFA said Fannie Mae and Freddie Mac will move to one pricing grid for mortgages scored with either Classic FICO or VantageScore 4.0, a change that adds competition to mortgage credit scoring.
The Evergreen Edit3 min read
Lifestyle
Target Cuts Prices on Nearly 2,000 Items Ahead of the Holidays: How to Shop the Fall Sales Smart
Target said it is lowering prices on nearly 2,000 clothing, shoe and home items, as big retailers compete for holiday shoppers ahead of early-October sales events.
The Evergreen Edit2 min read
Wealth
Debt Snowball vs. Debt Avalanche: How to Choose a Debt Payoff Plan You'll Stick With
A plain-English guide to the two most popular debt payoff methods, how each one works, and how to pick the one that fits your money and your motivation.
The Evergreen Edit5 min read
Money
Medicare Advantage Premiums to Fall in 2027 While Part D Edges Up: What to Check Before Open Enrollment
CMS said Sept. 28 that the average Medicare Advantage premium will drop to $12 a month in 2027, while stand-alone Part D drug plans will average $36.
The Evergreen Edit2 min read
Investing
The Beginner's Guide to Investing
Everything you need to start — accounts, funds, risk and the few rules that matter most — explained without jargon.
Daniel Reyes12 min read
Financial Independence
What Financial Independence Really Means
FI isn't about never working again. It's about working because you want to. Here's the math behind the freedom.
James Whitfield9 min read
Mindset & Self-Improvement
The Psychology of Spending: Why Smart People Make Bad Money Choices
Your brain isn't built for modern money. Understanding a few biases can save you thousands.
Maya Okafor6 min read
Money
The 50/30/20 Budget Rule: A Simple Guide to Splitting Your Paycheck
How the 50/30/20 budget works, with a worked example, setup steps and how to adjust it when your costs don't fit.
The Evergreen Edit7 min read
Money
SNAP Benefits Rise About 3% Starting October 1: New Maximum Amounts and What Else Is Changing
The maximum SNAP benefit for a family of four rises to $1,023 a month starting October 1, 2026, while states take on a bigger share of the program's running costs.
The Evergreen Edit3 min read
Lifestyle
California's CARS Act Takes Effect: Used-Car Buyers Get a 3-Day Right to Cancel and Clearer Prices
Starting October 1, 2026, California car dealers must show clearer total prices, can't charge for add-ons that give no benefit, and must let buyers cancel many used-car purchases within three days.
The Evergreen Edit3 min read
Career
Florida's Minimum Wage Is Now $15 an Hour: What Workers and Tipped Employees Should Check on Their Next Paycheck
Florida's minimum wage rose to $15 an hour on September 30, 2026, the final step of a voter-approved plan, with tipped workers now owed at least $11.98 an hour in direct pay.
The Evergreen Edit2 min read
Career
Private Employers Added 90,000 Jobs in September, Beating Forecasts, ADP Says: What It Means if You're Job Hunting
ADP's monthly report showed U.S. private employers added 90,000 jobs in September, more than economists expected, with health care and education leading the way.
The Evergreen Edit2 min read
Investing
Bonds Had Their Roughest Month in Years and Stocks Slipped in September: What It Means for Your 401(k)
The 10-year Treasury yield posted its biggest monthly jump since 2022 in September, and the S&P 500 ended the month slightly lower, though stocks are still up for the year.
The Evergreen Edit2 min read
Money
Consumer Confidence Falls to Its Lowest Level Since 2014: What It Says About Prices, Jobs and Your Budget
The Conference Board's consumer confidence index dropped to 81.9 in September, its lowest reading since 2014, as Americans grew more worried about prices, jobs and interest rates.
The Evergreen Edit3 min read
Money
Education Department Gives Student Loan Borrowers Until Dec. 31 to Lock In a Bigger Autopay Rate Cut
Federal student loan borrowers now have until December 31, 2026, instead of September 30, to sign up for autopay and get a 1-percentage-point interest rate cut that lasts through June 30, 2028.
The Evergreen Edit2 min read
Career
Job Openings Slip to 7.1 Million in August as Hiring Stays Slow: What Job Seekers Should Know
The Labor Department's JOLTS report showed job openings fell by 256,000 to about 7.1 million in August, while hiring, quitting and layoffs barely changed.
The Evergreen Edit2 min read
Investing
The Fed's Favorite Inflation Gauge Shows Prices Up 3.4% Over the Past Year as Spending Jumps in August
New government data show the PCE price index rose 3.4% from a year earlier in August, while consumer spending climbed 0.9% and the saving rate was 4.1%.
The Evergreen Edit3 min read
Money
10-Year Treasury Yield Hits Its Highest Level Since 2007: What It Means for Mortgages and Savings
The 10-year Treasury yield climbed to about 5.25% on Sept. 28, its highest since 2007, which could keep mortgage rates high while giving savers better returns.
The Evergreen Edit3 min read
Business
U.S. and China Name $60 Billion in Goods for Tariff Cuts, From Soccer Balls to Poultry
After a Trump-Xi summit, the U.S. and China released lists of about $30 billion in goods each that could get lower tariffs, but experts say the effect on prices will be small.
The Evergreen Edit3 min read
Business
U.S. Ban on Canadian Alcohol, Whey and Some Motorcycles Takes Effect: What Shoppers Should Know
A U.S. ban on many Canadian alcoholic drinks, whey protein and large motorcycles took effect Sept. 29, though stockpiles and exemptions may soften the impact on shoppers for now.
The Evergreen Edit3 min read
Investing
Nvidia Announces a Record $150 Billion Buyback Increase: What a Buyback Means for Everyday Investors
Nvidia added $150 billion to its stock buyback plan on Sept. 28, a record, and the move matters to anyone who owns an S&P 500 index fund.
The Evergreen Edit2 min read
Lifestyle
How to Teach Kids About Money at Every Age
Simple, age-by-age ideas to help kids learn saving, spending, giving and patience, from toddlers to teens heading out on their own.
The Evergreen Edit5 min read
Money
7 Money Habits That Can Change Your Financial Future
Small, repeatable decisions matter more than big windfalls. These seven habits quietly separate people who build wealth from those who stay stuck.
Maya Okafor8 min read
Personal Finance
How to Build Your First $10,000 Emergency Fund
A step-by-step plan to go from zero to a real financial cushion — without making your life miserable along the way.
Maya Okafor6 min read
Side Hustles
10 Side Hustles You Can Start With Almost No Money
Realistic ways to earn extra income using skills and tools you already have — plus what each one actually pays.
Priya Shah9 min read
Wealth
What Is Net Worth and Why Does It Matter?
The single number that tells you where you actually stand financially — and how to calculate yours in ten minutes.
James Whitfield5 min read
Credit & Debt
How Credit Scores Actually Work
The five factors behind your score, what moves it fastest, and the myths that keep people from improving it.
Maya Okafor7 min read
Money
How to Stop Living Paycheck to Paycheck
A practical, judgment-free plan to create breathing room — even when your income isn't changing.
Maya Okafor8 min read
Wealth
Assets vs. Liabilities: The Difference Every Adult Should Understand
One distinction reshapes how you think about every major purchase. Here's how to tell them apart.
James Whitfield6 min read
Career
How to Negotiate a Higher Salary (and Actually Get It)
Scripts, timing and research that help you ask confidently — and handle the counteroffer.
Priya Shah7 min read
Real Estate
Renting vs. Buying: How to Decide With Real Numbers
Buying isn't always better. Here's the framework we use to compare the true cost of each.
James Whitfield11 min read