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"It's not your salary that makes you rich, it's your spending habits."

Today's edition is packed with useful guidance: from protecting yourself against Social Security scams to smart ways to maximize retirement income, reduce debt, and spot surprising places inflation is hitting your wallet. We've handpicked actionable tips and timely news—like holiday debt prevention, bank bonus hacks, and more…

 
 
 
 
 
 
New Social Security scam uses ‘high pressure’ scare tactics. What to watch for
 
 

A new scheme seeks to convince Americans that their Social Security numbers may be suspended due to criminal activities, according to a warning. CONTINUE...

 
 
 
Which 13 States Don't Tax Retirement Income?
 
 

Where you live when you retire could make a meaningful difference in how much of your money you're allowed to keep. CONTINUE...

 
 
 
Mercer Survey Finds US Employers and Workers Will Face Affordability Crunch as Health Insurance Cost Is Expected to Exceed $18,500 Per Employee in 2026
 
 

Mercer, a business of Marsh McLennan (NYSE: MMC) and a global leader in helping clients realize their investment objectives, shape the future of work an CONTINUE...

 
 
 
$10,000 high-yield savings account vs. $10,000 money market account: Which earns more after the Fed cut rates?
 
 

Both accounts still offer competitive returns, post-Fed rate cut. Here's which is better for a $10,000 deposit now. CONTINUE...

 
 
 
Here's How Many Shares of the Schwab U.S. Dividend Equity ETF (SCHD) You'd Need for $500 in Yearly Dividends
 
 

The Schwab U.S. Dividend Equity ETF is an ideal fund for generating dividend income. CONTINUE...

 
 
 
Credit card debt forgiveness questions to ask heading into 2026
 
 

Thinking about pursuing a credit card debt forgiveness program in 2026? Here are three questions to consider first. CONTINUE...

 
 
 
How to Avoid Taking on Debt for the Holidays
 
 

Many Americans' holiday spending for gifts, travel and more will wind up on credit cards. These tips can help you avoid debt. CONTINUE...

 
 
 
Banking and Credit Card Customers Complacent on Fraud Protection, Gen Z Most Likely Victims, J.D. Power Finds
 
 

J.D. Power: Banking and Credit Card Customers Complacent on Fraud Protection, Gen Z Most Likely Victims CONTINUE...

 
 
 
Check Your Streaming Bills. ‘Streamflation’ Could Be Costing You More Than You Think.
 
 

Several major streaming companies have raised subscription prices this year, including Netflix, Disney, and Apple. CONTINUE...

 
 
 
Bank Bonuses Funded My Christmas Shopping This Year
 
 

How one Nerd paid for all of her holiday expenses with bank bonuses, and how you might do the same. CONTINUE...

 
 
 
Salary Transparency Laws Raise Pay for All Workers: Study
 
 

More than a dozen new pay transparency laws have taken effect in the U.S. since 2021 — and a new NBER working paper confirms they're actually working. CONTINUE...

 
 
 
Your Top November Money Questions Answered
 
 

Shopping early for the holidays, paying for gifts and using AI to shop were top of mind this month. CONTINUE...

 
 
 

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