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WSJ Personal Finance @WSJpersfinance

News and views on your personal finances, investing and spending from The Wall Street Journal.

Joined April 2009
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This is what your friends can teach you about money on.wsj.com/3RHKxWx via @juliaccarpenter

What Your Friends Can Teach You About Money

Millennials and Gen Z are turning to peers instead of professionals for financial advice. They don’t trust banks, and they are tired of information overload.

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The lesson of the demise of the Mint budgeting app: No one gets rich helping you spend less money on.wsj.com/46mVnoX via @MoiseNoise

There’s a Reason a Killer Money-Saving App Still Doesn’t Exist

The end of Mint and the search for a better way to budget.

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The U.S. has about 2.5 million real-estate agents. No other country is even close. on.wsj.com/3Rh9QP7 via @VeronicaDagher

Almost No One Pays a 6% Real-Estate Commission—Except Americans

How the rest of the world buys and sells homes explained, in three charts.

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How much more money would you need to be happy? on.wsj.com/47Knsrr

The Pay Raise People Say They Need to Be Happy

We tend to overestimate just how much happiness money buys.

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Don't miss out on these 2023 tax breaks on.wsj.com/3QQtPDM

Don’t Miss Out on Your 2023 Tax Breaks

The end of the year is just weeks away. To improve your tax picture for 2023, act now.

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People no longer know how much to tip on.wsj.com/40A1Prb

People No Longer Know How Much to Tip

As requests for more and bigger tips increase, so does confusion.

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Buying a house isn't happening, so they're spending and saving differently on.wsj.com/468Xtsf

Buying a House Isn’t Happening, So They’re Spending and Saving Differently

Americans are now postponing their home searches by years, not months, fueling new spending and saving dynamics.

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The logic of "girl math" and "boy math" on.wsj.com/46QU7eZ

If It’s Under $5 It’s Free: The Logic of ‘Girl Math’ and ‘Boy Math’

Consumers are sharing the crafty ways they justify discretionary spending. ‘Oh, I’m not the only one who thinks like this!’

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WSJ Personal Finance retweeted
WSJ Podcasts@WSJPodcasts
18 Oct 2023
Listen 🎧 Looking for discounts while shopping? The store probably charges a lower price if you pay cash. @WSJpersfinance's @MoiseNoise joins @WSJ host @JRWhalen wsj.com/podcasts/your-money-…

Want to Score a Discount at the Store? Pay With Cash - Your Money Briefing - WSJ Podcasts

More retailers are offering discounts to shoppers who make purchases with cash. WSJ personal-finance reporter Imani Moise joins host J.R. Whalen to explain how credit-card users can also score deals.

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In 2024, the average monthly Social Security check for retired workers will rise 3.2%—a smaller increase than the 8.7% raise retirees received this year on.wsj.com/3Fptba0

Social Security Is Giving Retirees a Raise in 2024. Is It Enough?

Starting in January, average monthly checks will increase by $59.

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The case. for making financial plans over candelit dinners on.wsj.com/3LjPrVR

Couples Embrace the Least Romantic Date Ever: The Money Date

The case for making financial plans over candlelit dinners.

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WSJ Personal Finance retweeted
Ashlea Ebeling@ashleaebeling
11 Sep 2023
Roth IRAs Are For Kids: While many Americans haven’t saved for retirement at all, some are getting a really early start in their teens. Yours can, too wsj.com/personal-finance/ret… via @WSJ

The Secret to Saving for Retirement: Start Before You’re 20

Earnings from summer jobs can be invested for decades of tax-free growth.

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Imani@MoiseNoise
8 Sep 2023
Banks raised limits on 18.4 million credit-card accounts in the first quarter of this year, up 22% from the same period in 2019. Meanwhile, the percent of Americans who say they want a line increase has barely budged. wsj.com/personal-finance/cre…

Credit-Card Users Got Bigger Limits. Then They Racked Up $1 Trillion

Lenders are doling out more credit to customers, enticing people to spend more.

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More credit, more problems: People with higher credit-line limits tend to spend more and amass debt on.wsj.com/45DQIzk via @MoiseNoise

Credit-Card Users Got Bigger Limits. Then They Racked Up $1 Trillion

Lenders are doling out more credit to customers, enticing people to spend more.

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WSJ Personal Finance retweeted
Imani@MoiseNoise
8 Sep 2023
New from me: More credit, more problems: People with higher credit-line limits tend to spend more and amass debt wsj.com/personal-finance/cre…

Credit-Card Users Got Bigger Limits. Then They Racked Up $1 Trillion

Lenders are doling out more credit to customers, enticing people to spend more.

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Have student loans? Here are the steps to take now to start making payments again. on.wsj.com/3qUs9Pz

Your Student-Loan Repayments Are Due Again. Here’s How to Prepare.

Borrowers with outstanding federal student debt must begin making payments, but there are options to consider.

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Geoffrey Rogow@GRogow
28 Aug 2023
Homeowners are increasingly forgoing home insurance, gambling that the likelihood of a disaster isn’t high enough to justify the cost of a policy. By @VeronicaDagher wsj.com/personal-finance/ame…

Americans Are Bailing on Their Home Insurance 

Homeowners are responding to a sharp rise in the cost of a policy.

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A $5 million retirement nest egg puts you in the top 0.1% of households. Here’s what that money buys. on.wsj.com/45ub5Pg via @VeronicaDagher @AnneTergesen

Here’s What a $5 Million Retirement Looks Like in America

Retirees open up about their financial lives and how they spend their time and money.

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Jeremy Olshan@jolshan
29 Aug 2023
Higher interest rates made it much more expensive to carry credit-card debt, but that's not why Americans have racked up bigger balances, writes @MoiseNoise: wsj.com/personal-finance/cre…

What’s Behind $1 Trillion in Credit-Card Balances?

If your credit-card bill is growing every month, don’t blame rising interest rates. Look in the mirror.

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WSJ Podcasts@WSJPodcasts
25 Aug 2023
Listen 🎧: How much are you willing to spend on after-school dance, piano, or soccer lessons? For many parents, that number keeps going up. @WSJ’s @oyinadedoyin5 joins @arianaluzzz to discuss. on.wsj.com/3MyZxna

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