Publication
My wife says we can’t afford to retire. I vetoed her $ 8,000 trip to Italy. We’re in our 60s and have $ 4 million. Do I keep working?
We’ve been married 31 years and have two grown children, 29 and 31, and three grandchildren. I want to retire, and my wife says we can’t afford to. That’s odd, because we have $4 million saved, and our house, worth roughly $1.1 million, is paid off....
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CoreWeave’s polarizing stock rebounds as Wall Street squares…
Wall Street’s views on CoreWeave are starkly divisive as investors pay more attention to the financial details of big artificialintelligence companies and a potentially more challenging outlook for those that rely on borrowed money to drive growth. To...
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Midterm voters haven’t seen this many housing proposals on the…
Massachusetts is one of the most expensive housing markets in the nation, and a 29year-old economist says he knows how to make it more affordable. He wants to reduce the amount of land required to build a single-family home in the state to as little as...
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These decisions you make in your 20s - not your income determine whether you’ll spend decades in debt or…
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How to downsize like a pro - and free yourself from being a ‘prison…
The average house has around 300 , 000 items, according to downsizing professionals. No one knows whether that number is true. As my wife Liz and I grapple with downsizing our oversized, suburban New Jersey house for an eventual move to the...
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Worse than taking away your parents’ car keys? Taking away…
When the time came for Elliott Appel’s dad to stop driving, he willingly gave up his car keys. But when Appel told him it was no longer safe for him to have unmonitored access to a computer or phone, it was a much bigger deal. “The phone stuff was...
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I’m 71 and still working. I earn $ 108,000 a year. Am I doing the…
Dear Quentin, I’m still working at 71, collecting almost $40,000 a year in Social Security benefits. I am downsizing our home and will not have a mortgage. Between my employer and I, about $1,000 a month is going into my 401(k). Right now, I have...
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Financial stocks are falling below a key chart level to warn the worst
Financial stocks have struggled over the past several weeks, and it’s becoming clear the decline may not be over. The State Street Financial Select Sector SPDR ETF XLF has fallen to a critical technicalsupport level that appears to be breaking, which...
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A ‘death cross’ is coming for the dollar. Why Trump will be happy.
Don’t look now, but there are some technical reasons to believe that U.S. Treasury Secretary Scott Bessent was right when he declared to the financial markets that “I am the house now.” Not only has the upside momentum apparently swung to the Japanese...
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Companies keep raising prices. The Fed is trying to get them to reconsider.
Inflation pressures have been so persistent this year in part because businesses have been able to pass along higher prices to consumers. One reason the Federal Reserve hiked interest rates last week is to try to get companies to reconsider further...
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I have $ 125,000 in credit-card debt. Will $ 17,000 a month in income, including disability, my bankruptcy?
I’m disabled and have accumulated $125,000 in creditcard debt. I racked up this debt to cover my living expenses for two years without an income stream. My life has turned around, but my debts remain. I have $8,000 per month in income, with $6,000 in...
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Saudi Arabia is now pushing to export more oil through the Strait …
The closure of a key Saudi pipeline that the kingdom has recently relied upon to export oil via the Red Sea has turned the spotlight back on the Strait of Hormuz as Saudi Arabia , and other Persian Gulf exporters work to keep their crude oil flowing to...
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Is the shingles vaccine the secret to living longer and delaying dementia? Here’s what the science says.
Biohackers are turning to the shingles vaccine to ward off heart issues and delay dementia, but doctors want to see clinical evidence from rigorous medical studies before making the case to their patients. A new study, published last month in Nature...
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The future of retirement? Work until you die.
The retirement myth of endless golf games or fishing trips melting into decades of elder bliss has been crumbling for decades. The idea of retirement as a period of contented leisure has come and gone, said Lawrence Samuel, cultural historian and...
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‘I feel tricked’: My contractor handed my $ 42,000 pool upgrade to a subcontractor I had already rejected. What can I do?
My wife and I decided to have our in-ground pool refinished in October 2025. I got estimates from two contractors. Contractor A was only 10 minutes from my home, but he had a terrible reputation for both workmanship and customer service. He quoted me...
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Stocks are stumbling after Labor Day. This year’s easy gains may…
Stocks stumbled out of the gate after Labor Day, with a jittery tone gripping markets as the typically weak month of September began in earnest after the holiday. The Dow Jones Industrial Average DJIA was down 1% on Tuesday, heading for its biggest...
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My wife and I are in our 70s . Should we move to California an …
My wife and I are in our early 70s. We currently live in a relatively low-cost, lower-tax Northwest state. Both of our children live in Southern California, where I estimate our cost of living would be roughly 20% higher. As we gradually move from our...
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Anxious bond market sends troubling message to investors:…
So much for the brief calm in the U.S. bond market. Treasury Secretary Scott Bessent’s latest effort to control yields on long-dated U.S. bonds was short-circuited after just one day, as the U.S. national debt hit the $40 trillion mark and oil prices...
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My co-workers complain about minor things and make every meeting miserable. How should I deal with them?
argued that being a remote worker should be considered a protected class because our company “treats us worse” than the people who work in the office. Apparently, this was evidenced by the fact that people in the office once got doughnuts during a...
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Can I claim 50% of my husband’s Social Security now - and switch…
Dear Quentin
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The average car loan is now $ 785 a month - and lasts for almost 6…
Americans took out almost $211 billion in auto loans this past spring, notching a new record, according to the Federal Reserve Bank of New York. The all-time high reflects the sheer amount of money people need to buy new cars now, with vehicle price...
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Social Security expands list of conditions to 314 illnesses for
The Social Security Administration will speed the disability approval process for more medical conditions, allowing more people with severe diseases to get benefits faster. With the addition of 14 conditions, the agency’s “compassionate allowances”...
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The number of stocks beating the S&P 500 is the highest in 4 years.…
A deeper look into the stock market’s rally to record highs shows that the market of stocks is doing a lot better than it looks on the surface. And there’s good reason to believe that will not only continue, but the outperformance should also...
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The last time value stocks beat growth by this much was 2022 -…
Historically, when value stocks are having their moment in the sun, it usually means that the broader market is crashing and burning. Not this time. With major stock indexes dancing in record territory and the bull market about to enter its fourth...
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‘ My head hit the driver’s window’: A teenager T- boned our car. Will… Dear Quentin,
Dear Quentin, My wife and I are both on Medicare. She is 67 and works part-time; I’m 69 and still work full-time. We were recently involved in a car accident when a teenage driver ran a stop sign and struck our car directly in the driver’s door. My...
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We’re in our 60s with $ 1.5 million. Would a trust be more effective…
Dear Quentin, Two of my husband’s siblings have recently set up trusts for valid reasons. The first sibling’s trust was established to protect the interests of both his second wife and the children from his first marriage. The second sibling’s trust...
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Implosion of Situational Awareness has Wall Street …
One of the wildest months in recent memory for the U.S. stock market is ending on yet another remarkable note: A highflying hedge fund run by an AI wunderkind in his mid-20s has apparently just been carried out on a stretcher. Situational Awareness,...
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It’s getting easier for terminally ill people to end their own lives.…
On Aug. 5, New York will become the 14th U.S. state to legalize Medical Aid in Dying, or MAID. It lets eligible New Yorkers with six months or less left to live obtain and take lifeending medication. Mandi Zucker’s phone hasn’t stopped ringing. “Many...
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‘ It’s nothing personal’: Should I tell my 96- year-old stepmother that I…
Is it appropriate to tell someone you don’t want an inheritance? My stepmother is 96 and owns the house I grew up in, in another town. She rents it out, and while she’s never discussed her estate plans with me, I’ve assumed she might leave the house...
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A ‘generational buying opportunity’ guarantees inflation…
I need to start this column with a caveat: I am writing about an asset class that I happen to own myself (although as I happen to own stocks, bonds, commodities, cash and real estate, you could reasonably ask what’s left). Make of that what you will....
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We have $ 8 million in traditional IRAs. Should we tap them to buy …
Dear Quentin, We are a married couple, ages 60 (me) and 69 (my husband), with a net investment portfolio of approximately $9.8 million, consisting of traditional IRAs, worth $8.2 million, and a taxable brokerage account worth $1.6 million. My husband...
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Can the ‘Magnificent Seven’ save a stock market that might be…
The stock market in July has settled into an almost eerie calm on the surface. There are growing signs that might not last. Underneath the quiet sits a live wire: the “Magnificent Seven,” nearly left for dead after a punishing first half of 2026, but...
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Wildfire smoke ‘ a growing cardiovascular threat’ as Chicago…
Chicago, Detroit, Minneapolis and New York City are considered some of the world’s most polluted cities on Thursday, with eerily orange skies and dangerously bad air quality affecting residents. Smoke from wildfires in Canada has drifted into several...
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‘ They are relentless’: A scammer is trying to change the email on my… Dear Quentin ,
Quentin Fottrell Dear Quentin, I keep getting notices from Robinhood saying that someone is trying to change my email address. I don’t have any money in the account, and the number they provide if I want to dispute it doesn’t seem to connect me with a...
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As five big US banks report . . earnings on the same day ,…
Every quarter, the largest U.S. banks kick off earnings season with JPMorgan Chase reporting on the first day, typically along with one or two others. On Tuesday we’re in for something unusual, with five of the “Big Six” banks announcing results...
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New ‘Ex-Elon’ ETFs let you avoid SpaceX and Tesla - but are they…
A pair of new ETFs are betting that investors will ditch typical index funds to avoid having exposure to Elon Musk’s companies. On Wednesday, Subversive ETFs filed to launch two new “Ex-Elon” actively managed exchangetraded funds. Each would exclude...
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‘ Our family is broken beyond repair’: My brother took over my…
I became disabled in my 20s, which freed me from the caretaker role my family expected - and set me apart from them permanently. My parents were controlling, and, after my divorce, they moved nearby and tried to assert authority over both my young son...
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OPEC+ raises output levels again despite tumbling crude prices
Major oil producers on Sunday agreed once again to modestly increase their crude production although as in previous , , months the hike is largely symbolic until a peace deal between , the U S and Iran sticks and the Strait of Hormuz is fully . ....
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Hybrids are the breakout star of the US car market as EV deman . .
Americans are rediscovering hybrid vehicles, which have turned into a bright spot for the U.S. car market - far outshining traditional electric vehicles. Hybrid electric is the fastestgrowing power train in the U.S., with volume up 82% in the past...
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Only a fraction of eligible kids are signed up for ‘Trump accounts.’ A…
Davinya Hinojosa calls the new specialized investment accounts for children a “great opportunity,” but the Kansas mother is not opening the so-called Trump accounts for her five kids, at least for now.
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There’s a ‘Trump account’ hack that can unlock decades of wealth-building for your kid
Parents who have signed their children up for the new “Trump accounts” may wonder what the best way is to use and manage the accounts after they launch on July 4. Amid the steady drip of information about these new accounts in recent months, what is...
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Japanese stocks are on fire. Here’s what’s driving the hot streak.
Japanese stocks remain hot, with the Nikkei 225 trouncing the U.S. equities market this year as it posted a fresh record peak on Thursday. Japan’s Nikkei 225 index JP:NIK rallied 4.6% Thursday, recovering from a brief pullback. Prior to that, the index...
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SpaceX stock’s wild price swings since its IPO show how risky…
The excitement around SpaceX shares has quickly faded after they soared in their market debut this month - providing a crushing reminder of just how risky it is to make leveraged bets on single stocks via the exchangetradedfund market. Shares of the...
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‘ I’ll probably be working until I die’: I’m 60, work as a waiter and have $ 2,000 in a Roth IRA. What will happen to me?
Dear Quentin, I’m afraid I’m in a bad place. I am 60 years old, and am a server. I have about $2,000 in a Roth IRA, and I figure I’ll probably be working until I die. I also have $4,400 in creditcard debt, which I’m paying off. Last year, I had to buy...
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The Iran oil shock taught traders these key lessons about demand …
Global oil prices on Thursday touched their lowest level since the U.S.-Israeli war with Iran began almost four months ago. That marks a drop of more than 30% from their May peak and likely averts the disaster commodity experts had warned about as one...
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SpaceX trading hits ‘bonkers’ levels as new ETFs see a massiv…
In short order, SpaceX has become the fifth largest company in the world. And just three trading days into its life on the public markets, there’s been a massive influx of money into a new line of funds helping investors bet on short-term swings in the...
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Defaults in debt markets are starting again warns Pimco , .…
With defaults set for a comeback and stock-market valuations looking stretched, investors should be turning to fixed income to help anchor portfolios, says bond-fund giant Pimco. “After years of effortless returns, the default cycle is reasserting...
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Foster children are getting their own version of ‘Trump accounts,’…
Starting in July, some 330,000 foster children in the U.S. will be eligible for a “Fostering the Future account,” a version of the “Trump account” for children. At the announcement ceremony on Thursday, first lady Melania Trump said that 23 states had...
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Sales of million-dollar homes suggest inflation is spurring the…
New data suggest rich buyers are fueling a rise in home sales, while lower-income Americans are finding it harder to get on the property ladder - a sign the “K-shaped” economy is growing even more pronounced thanks to the current bout of high inflation...
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S&P 500 companies can’t stop talking about higher oil prices. Bu…
Listen to a few earnings calls this season, and you’ll get the sense that CEOs are worried about high oil prices as the Iran war continues. But a look at the numbers shows those anxieties haven’t had much of an impact yet on their profit expectations...
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My sister, mother and I are giving my son $ 20,000 toward a down…
Dear Moneyist, My son is buying his first home, and his grandmother, aunt and I are giving him $20,000 for the down payment. The loan officer has advised his grandmother and aunt to give me their portions, which I will deposit into my account. The...
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My student loans are paused until 2028 Should I pay them now . …
Welcome back to Don’t Short Yourself, where we share practical tips for managing your money. Subscribe to Don’t Short Yourself for free. Today’s DSY edition is about student debt, and what to do if your loans are on pause. Should you keep paying them...
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‘ He didn’t really pay attention’: I told my friend he left millions on…
I wrote to you recently about my own financial journey (“My wife and I retired with 22 times our income. Why don’t more people do what we did?”) and how I see money as a “clone” of myself, and how through compounding it continues to work on my behalf...
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Elon Musk’s xAI is draining SpaceX’s cash, with little to show…
Elon Musk is going all-in on artificial intelligence, but his xAI has been gobbling up SpaceX’s cash, diverting attention away from the rocketlaunch and satellite operations. Musk founded xAI in early 2023 before officially announcing the startup’s...
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FCC chair is accused of illegally trying to rein in the media Here .
The head of the Federal Communications Commission has historically been a littleknown figure outside a circle of mediaindustry insiders and regulators. But under the Trump administration, FCC Chair Brendan Carr has been a very public face at the center...
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Walmart and Target are about to show just how much shopping
As the Iran war began driving gas prices higher in March, Walmart executives told UBS analysts that consumers’ attitudes start to sour when gas prices hit $ 3.50 to $ 4 a gallon. At around $ 4 to $ 4.50, shoppers start making substitute purchases. At $...
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Nvidia earnings alone won’t rescue the S&P 500 from its new sell signal
Some significant, marketinfluencing companies are reporting next week - led by Nvidia and also including Cava Group, Home Depot, Target and Walmart. Companies that could report earnings surprises show a particular trading pattern of implied volatility...
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As Nvidia earnings draw closer , here are 5 things investors need t …
Nvidia is still at the center of the artificialintelligence universe, but its stock doesn’t necessarily reflect that. Yet a Goldman Sachs analyst sees potential for renewed excitement once the company reports earnings later this month. Shares of...
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The year’s best tech trade is hiding in plain sight - and no, it’s not the…
South Korea has been the world’s single best-performing major market this year - its benchmark KOSPI index has soared 75% in U.S.-dollar terms through May 7. The Nasdaq composite COMP? Up 11%. There’s good reason for stock investors to stick with South...
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This gold-timing indicator just hit a bottom - history says a strong rally is next
and
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OPEC+ announces modest boost in oil production. But here’s why it…
In a largely symbolic move, the OPEC+ nations announced Sunday that they would slightly increase crude production in June, as the war with Iran continues to stifle the world’s supply of oil. In a statement, the group of oilproducing nations -...
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