WSJ Your Money Briefing

Why are global automakers hitting the brakes? And why did Tesla's stock fall despite the company delivering more vehicles? Plus, what sent Spirit Airlines shares into a tailspin? Host Francesca Fontana discusses the biggest stock moves of the week and the news that drove them.

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Some savers who invested in CDs because they offered high yields are seeing those returns decline as the Federal Reserve lowers interest rates. Wall Street Journal personal finance reporter Imani Moise joins host J.R. Whalen to discuss what you should know about callable CDs. 

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The average 30-year mortgage rate has fallen more than a full percentage point over the past year, but many renters remain priced out of the housing market. Wall Street Journal personal finance reporter Veronica Dagher joins host J.R. Whalen to discuss how far economists say mortgage rates have to come down for paying a mortgage to be less expensive than renting .

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Some companies are transitioning full-time employees from salaries to bonus-based pay for hitting certain targets. Wall Street Journal careers and workplace deputy bureau chief Vanessa Fuhrmans joins host J.R. Whalen to discuss which types of jobs are involved, and how performance metrics can impact workers’ pay.

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Americans have been accumulating mountains of credit-card points. Inflation is eroding their value. Wall Street Journal personal finance reporter Katherine Hamilton joins host J.R. Whalen to discuss what you should know to preserve the value of your points. 

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Hotel room rates have skyrocketed in recent years, now averaging $200 or more in some of the nation’s largest cities. Wall Street Journal travel reporter Allison Pohle joins J.R. Whalen to discuss what travelers can do to save money without having to cancel their plans. 

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In the third episode of our series “Your Money, Your Vote,” we delve into the presidential nominees' positions on student loans and the cost of higher education. In the wake of the Supreme Court's ruling against President Biden’s student-loan forgiveness plan, the administration has shifted to a more fragmented approach to address student debt. We’ll look into whether Vice President Kamala Harris will carry on Biden’s initiatives. And we’ll explore former President Trump’s views on student loans, including how they have evolved, if at all, in his current campaign. J.R. Whalen hosts.

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What did investors make of changes to Southwest’s famous seating strategy? And why did two big AI tech-stock names go in opposite directions? Plus, why did Costco shares get a markdown? Host Francesca Fontana discusses the biggest stock moves of the week and the news that drove them.

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A recent data breach at Disney that exposed millions of intraoffice messages has shed light on whether direct messages between co-workers can be seen by others. Host J.R. Whalen is joined by the WSJ’s Shara Tibken and Chip Cutter who discuss what employees should know about privacy on apps like Slack and Google Chat, and what rights workers have when it comes to workplace messaging. 

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As interest rates decline, some financial advisers are steering their clients toward bonds. Wall Street Journal reporter Vicky Ge Huang joins host J.R. Whalen to discuss what you should know about buying bonds and how they compare to other investments.

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Retirees concerned about the costs of living in cities and suburbs are moving to more rural parts of the country. Wall Street Journal reporter Veronica Dagher joins host J.R. Whalen to discuss the trade-offs involved.

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Many companies are offering signing bonuses to seal the deal with qualified candidates. Wall Street Journal reporter Ray A. Smith joins host J.R. Whalen to discuss how to ask for one.

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Financial advisers say the tone and frenetic pace of political campaigns can add to someone’s financial anxiety, causing some people to find comfort by overspending. Wall Street Journal contributor Julia Carpenter joins host J.R. Whalen to discuss how you can rise above the political fray and better manage your personal finances .

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In the second episode of our series “Your Money, Your Vote,” we break down the tax plans of Vice President Kamala Harris and former President Donald Trump. Host J.R. Whalen is joined by WSJ tax reporters Rich Rubin and Laura Saunders to discuss which tax cuts might be extended, how the candidates’ proposed policies could affect your finances and the role of a potentially divided Congress in advancing those plans.

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Space exploration company Intuitive Machines got a big NASA contract, so did its stock go to the moon? And what did investors think of getting Olive Garden delivered? Plus, why did FedEx and Nike shares go in opposite directions? Host Francesca Fontana discusses the biggest stock moves of the week and the news that drove them.

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This week’s interest-rate cut by the Federal Reserve could make refinancing more attractive for homeowners saddled with higher mortgage rates. Wall Street Journal personal finance reporter Veronica Dagher joins host J.R. Whalen to discuss what to consider before deciding to refinance.

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Plus: U.S. stocks rally a day after the Federal Reserve cut interest rates. Israel launched a wave of airstrikes against Hezbollah targets in Lebanon, as the militant group’s leader said the attacks on its members amounted to a declaration of war. J.R. Whalen reports.

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The Federal Reserve cut interest rates by half a percentage point yesterday, the first reduction since 2020. Wall Street Journal economics reporter Justin Lahart joins host J.R. Whalen to discuss how it’s likely to affect credit-card account holders and prospective home buyers.

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In the wake of a crackdown on so-called junk fees, more companies are making the unpopular charges easier for consumers to spot. But the fees still aren't going away. Wall Street Journal reporter Allison Pohle joins host J.R. Whalen to discuss why, and what consumers can do about them.

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The Federal Reserve is set to cut interest rates this week for the first time since 2020. 

Wall Street Journal reporter Joe Pinsker joins host J.R. Whalen to discuss where financial advisors suggest you put your cash. 

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The annual cost of living adjustment for Social Security monthly payments is projected to rise at a significantly smaller pace than the past several years. Wall S treet Journal reporter Anne Tergesen joins host J.R. Whalen to discuss how the increase is designed to prevent retirees from losing ground to inflation.

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In the first episode of our new series “Your Money, Your Vote," we tackle one of the hottest topics in the 2024 election: inflation and the economy. With rising prices top of mind for voters, we break down the facts on inflation and how former President Donald Trump’s and Vice President Kamala Harris’s economic proposals could impact your personal finances.

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What warning did JPMorgan give about rate cuts? And why are health insurers taking a hit after the presidential debate? Plus, how much did a big chipmaker rally support stock indexes this week? Host Jack Pitcher discusses the biggest stock moves of the week and the news that drove them.

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Gen Zers and younger millennials, who once questioned the value of corporate life, are now embracing the structured workweek, steady paycheck, and employee benefits. Wall Street Journal reporter Ann-Marie Alcántara joins host J.R. Whalen to discuss.

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Leaving a job can be just as messy as leaving a romantic partner. New York University professor of psychology Tessa West joins host J.R. Whalen to discuss how relationship science can help you avoid common mistakes and guide you through the stages of falling out of love with your career.

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As the labor market cools, many hiring managers are resetting pay levels for new hires. Wall Street Journal reporter Ray A. Smith joins host J.R. Whalen to discuss how companies are able to reduce salaries and still attract desirable talent.

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The effects of the pandemic on the U.S. economy has left many consumers with feelings of both optimism and angst . Wall Street Journal reporter Joe Pinsker joins host J.R. Whalen to discuss the state of Americans’ finances, including their savings, debt, and retirement savings. 

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Last month, a lawsuit alleged that a background-check company left as many as three billion records exposed – putting new attention on credit freezes. Wall Street Journal personal finance reporter Imani Moise tells host J.R. Whalen about how this free safeguard could protect you from identity thieves.

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What’s causing Nvidia’s recent decline? And how did a summer tech outage help JetBlue? Plus, why is deal uncertainty weighing on U.S. Steel? Host Francesca Fontana discusses the biggest stock moves of the week and the news that drove them.

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This year’s Wall Street Journal/College Pulse ranking measures how well each college sets graduates up for financial success. So which schools ended up on top? Wall Street Journal rankings editor Harry Carr joins host J.R. Whalen to discuss. 

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According to an AARP survey, 77% of Americans aged 50 and older want to live as long as possible in their current home. But rising costs mean that pursuing this dream has gotten harder. WSJ “Turning Points” columnist Clare Ansberry joins host J.R. Whalen to discuss how people are preparing their finances to stay in their home. 

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More workers in their 20s and 30s are considering taking extended breaks from work for travel and other pursuits. Wall Street Journal personal-finance reporter Oyin Adedoyin joins host J.R. Whalen to discuss how to best prepare financially for taking sabbaticals from your career track.

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A recent Wall Street Journal/NORC poll indicated a significant gap between people’s wishes and expectations regarding owning a home, having a family, and looking forward to a comfortable retirement. Economics reporter Rachel Wolfe joins host J.R. Whalen to discuss why the pessimism is more pronounced today compared to previous generations.

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Credit-builder cards from companies like Chime Financial and Credit Sesame are promising customers a higher credit score without ever borrowing or paying back any money. Wall Street Journal reporter Gina Heeb joins host J.R. Whalen to discuss how these cards work. 

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A recent settlement by the National Association of Realtors means home buyers are now responsible for negotiating their agent’s commissions. Wall Street Journal personal finance reporter Veronica Dagher joins host J.R. Whalen to discuss what to know before reviewing contracts and reaching an agreement. 

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Presidential candidate Kamala Harris has proposed giving families of newborns a $6,000 bonus in the form of a tax credit – an approach that’s been used by a few other countries. With rising child-care costs, will it make a difference? Wall Street Journal reporter Dalvin Brown joins host J.R. Whalen to discuss. 

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More landlords are offering credit card-style incentives to tenants for making timely payments and signing or renewing leases. Wall Street Journal personal finance reporter Katherine Hamilton joins host J.R. Whalen to discuss companies and retailers that have partnered with landlords to offer rewards. 

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Many Americans in their 50s feel unprepared for retirement because they haven’t been able to put away enough money. Wall Street Journal reporter Hannah Miao joins host J.R. Whalen to discuss steps they can take now to boost the value of their portfolio.

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Learn how Gen Z is tackling their debt in the final episode of our three-part series "Gen Z & the Debt Trap." We’ll talk with 20-year old Michenzie Sommerville, who shares how after struggling to keep up with her auto loan, her car was repossessed. We’ll hear from Corebridge Financial on how Gen Zers are using social-media apps like TikTok to learn about financial literacy at a younger age than other generations. Also, financial experts from organizations like the National Foundation for Credit Counseling and the Financial Therapy Association explain how to manage personal debt and prevent collecting more. Tadeo Ruiz Sandoval hosts. 

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How did stocks react to the latest comments from Jerome Powell? And how did Target get shoppers to stores more? Plus, why did investors worry about money manager Franklin Templeton? Host Jack Pitcher discusses the biggest stock moves of the week and the news that drove them.

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Many Americans born between 1965 and 1980, often referred to as Gen X, are facing shortfalls in savings as they approach the traditional retirement age. Wall Street Journal reporter Hannah Miao joins host J.R. Whalen to discuss why they are in a worse position than the previous generation’s baby boomers were at the same age.

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Credit-card companies like Amex, Chase and Capital One are opening upscale lounges for their high-end customers. Wall Street Journal personal-finance reporter Imani Moise joins host J.R. Whalen to discuss other exclusive perks being offered.

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Gen Z’s debt won’t just affect them. It could be a problem for everyone. In the second episode of our three-part series “Gen Z & the Debt Trap,” we talk with TransUnion and Credit Karma experts to discuss potential consequences of Gen Z’s debt for past generations and those to come. We’ll also get to know 25-year-old Gaia Jacobs, who says she traded her dream career for a steady job in order to pay off her debt. Plus, we talk with a mental-health professional from the American Psychiatric Association to learn how Gen Zers’ spending habits could be making the problem worse. Tadeo Ruiz Sandoval hosts.

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More students are flocking to university “co-op” programs where they can receive paid full-time work experience. Wall Street Journal reporter Sanvi Bangalore joins host Ariana Aspuru to discuss how these career-oriented academic models are boosting students' chances of landing a job after graduation.

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A settlement reached by the National Association of Realtors over inflated commissions has changed the way real-estate agents collect payments. Wall Street Journal housing reporter Nicole Friedman joins host J.R. Whalen to discuss how the deal gives buyers more negotiating power.

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Pets aren’t an afterthought in estate planning anymore. More pet owners are setting aside funds in their wills for their furry friends. Wall Street Journal personal finance reporter Ashlea Ebeling joins host Ariana Aspuru to discuss the rise of the pet directive. 

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In the first episode of our three part-series “Gen Z & the Debt Trap,” we explore a Credit Karma report that found Gen Z is accumulating debt faster than any other generation. To learn more, we’ll meet Kyle Dillon, a 22-year-old Gen Zer who after leaving home to pursue higher education, accumulated tens of thousands of dollars in debt. We also look at a TransUnion study to see how Gen Zers’ paychecks can’t keep up with inflation, creating dependency on using credit cards. Plus, the St. Louis Federal Reserve shares a surprising advantage Gen Z has over other generations. Tadeo Ruiz Sandoval hosts. 

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Why did markets have their best week of the year? And how did investors react to new CEOs at Starbucks and Victoria’s Secret? Plus, how did Donald Trump’s tweets affect Trump Media & Technology? Host Francesca Fontana discusses the biggest stock moves of the week and the news that drove them.

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They were the generation financially falling behind. But now, millennials have become wealthier than previous generations were at their age. WSJ personal finance reporter Joe Pinsker tells host Ariana Aspuru how the shocking turnaround is influencing their decisions about money. 

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Companies are pulling back on hiring hourly roles such as truck drivers, maintenance workers, and cleaners — that were once in high demand. Wall Street Journal reporter Chip Cutter joins host Ariana Aspuru to discuss this shift in the labor market and how job-seekers can find their next gig. 

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