Personal Finance
Saving, budgeting, debt, mortgages, pensions, taxes, financial independence and consumer rights across US, European and Dutch sources.
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This reading list brings together items from the sources selected for Personal Finance. Open each item at its original source for the complete article, episode or video. This is a selection of current coverage, not a complete archive.
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Best 5-Year CDs for October 2026: Lock In Multi-Year Growth Up to 5.00%
Our Guide to the Highest 5-Year CD Rates Available to Anyone in the U.S.
Best 3-Month CD Rates for October 2026: Quick Deals Up to 4.50%
These are the highest-paying 3-month CDs that are available nationwide
China Keeps Beating The US
China is the biggest oil importer in the world. If this were about oil, China's rate should be going up as well, but it's not. Over the last year, the rate that the US government pays to borrow for ten years went up by more than a full percentage point. Is that a lot, really? Find the full answer in my video: Trump Just Started The Debt Spiral
Charles Schwab CD Rates: October 2026
Schwab CDs are worth considering if you want a new home for your money
Edward Jones CD Rates: October 2026
Edward Jones’ brokered CDs offer significantly higher APYs
Mortgage Rates Today, Wednesday, October 14: A Little Lower, But it Won’t Last
Taylor Getler writes for NerdWallet. Email: tgetler@nerdwallet.com. The article Mortgage Rates Today, Wednesday, October 14: A Little Lower, But it Won’t Last originally appeared on NerdWallet.
Episode 500: Funding Your First Rental Property, Homeschooling, and Redefining Financial Freedom w/ Erika Brown
A 7% interest rate looks like a wall to a lot of buyers, but Erika Brown sees a market where deals are landing $45,000 and even $150,000 under asking. In this episode, I sit down with Erika, a real estate investor and serial entrepreneur whose portfolio generates over six figures a year, for an update five years after her first appearance.
My Wife Blows Through Her Allowance - Take away Her Credit Cards?
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She's Spent $30,000 Supporting Him
Addison has spent $30,000 financially supporting James, but she's growing tired of being the safety net in their relationship. Ramit Sethi challenges James on his broken promises and asks what it will take for Addison to trust that things will actually change.
Are You a Real Human?
In a world of AI and robots, how do you prove you're actually a real person? There's a new technology to prove it, so you can have a World ID. What do you think? Find the full story in my video: Your Money Is Being Reprogrammed
Am I Moneymaxxing? Plus, More October Money Questions
Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. The article Am I Moneymaxxing? Plus, More October Money Questions originally appeared on NerdWallet.
“America’s Debt Spiral Is Going To Implode Within 3 Years” - Ray Dalio’s Final Warning
Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: https://incogni.com/graham | Add me on Instagram: GPStephan FOLLOW MY INVESTMENTS / STOCKS HERE: https://getblossom.onelink.me/SOfu/grahamstephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com THE U.S. DEBT SPIRAL The United States now owes more than $40 trillion, and the total is still rising by billions of dollars every day. The bigger problem is not just the debt itself, but the growing amount of interest the government has to pay as older, cheaper debt gets refinanced at much higher rates. WHY INTEREST COSTS MATTER For years, the government was able to borrow enormous amounts of money at extremely low rates. Now, with borrowing costs at their highest levels in decades, that strategy is becoming much more expensive. The CBO projects federal interest costs could reach roughly $2.1 trillion per year by 2036. WHO KEEPS BUYING U.S. DEBT? The government funds its deficits by issuing Treasury bonds. That system works as long as investors are willing to keep buying them at reasonable rates. If buyers begin demanding 5%, 6%, or more to lend the government money, interest expenses increase even faster. FOREIGN BUYERS ARE PULLING BACK Countries such as China and Japan have historically been major holders of U.S. Treasuries. Some foreign holdings have recently declined, raising concerns about who will absorb the enormous amount of new debt the United States needs to issue. THE SUPPLY OF DEBT IS EXPLODING At the same time demand is being questioned, Treasury supply continues to rise. The government is running massive deficits, while corporations and AI companies are also borrowing huge amounts of money. All of them are competing for the same pool of capital. INFLATION MAKES THE PROBLEM WORSE Inflation remains above the Federal Reserve’s target, which makes investors less willing to lock money into long term bonds at lower yie
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