Some argue that a massive emergency fund can hurt more than it helps

Everything you need to know about emergency funds

The general rule of thumb for emergency funds is that you should have three to six months of living expenses saved—but what does that mean exactly? This article answers all your specific emergency fund questions, such as where you should put those emergency reserves, whether you should save three to six months of your full salary or just enough to cover three to six months of bills, and more. Read it here.

Read about the situations where a high-yield savings account doesn't make sense

While financial experts often recommend high-yield savings accounts, one expert argues that prioritizing adding more money to one doesn't make sense for someone who has a lot of high-interest debt or isn't taking advantage of their company's 401(k) match.

One financial planner says FIRE is a bad idea

Some financial professionals argue that those following the FIRE (financial independence, retire early) movement might be basing their math on too short of a timeline, leaving them without enough money if they live further into old age than expected.

43% of Americans don't have savings to pay for a $1K emergency

That's according to data from January 2026 shared by US News. Among those who did have an emergency fund, the median balance was $5K.

Because of their size, sovereign wealth funds create anxiety about foreign undermining of financial systems

Across the board, sovereign wealth funds have an immense amount of capital, and, therefore, influence in global financial markets. Critics argue that this influence could enable a foreign country to harm another country's financial market by either investing adversely in competitive markets or by withholding critical capital.

The do's and don'ts of using AI to manage your finances

Experts suggest avoiding asking AI for investment advice, but say it's useful for basic budgeting help. Read this article to learn more.

90 percent of active managers of large public funds underperform

High fees tend to eat away at whatever edge professional managers accrue, resulting in most such funds performing worse than their underlying benchmark indexes like the S&P 500.

In real estate, a larger down payment can reduce your loan amount

However, the trade-off is liquidity: Tying up too much cash in a home can reduce emergency savings and delay your purchase.

Should you pay off your student loans early?

While paying off student loans can feel like a big achievement, some experts argue that it’s not a good idea to pay off student debt early if you have to sacrifice retirement or emergency savings to do so.

Contrary to popular belief, trusts aren’t only for the wealthy

Trust funds can be expensive to set up, given that their establishment often requires paying a lawyer for their time. But for many, that expense might be worth it depending on the complexity of the assets and the ability to specify when, where or how an estate’s assets are used.

Retail investors are not professionals—they invest their own money

For retail investors, the stakes may seem higher and more personal. Critics say that this dynamic means that retail investors are more susceptible to behavioral biases that could lead them to make poor decisions when it comes to buying and selling assets. For instance, fear of missing out could cause a retail investor to buy a stock that is popular but not a financially worthy investment.

Some argue that America is too dependent on consulting

Many major companies in America—not to mention the federal government—spend thousands of dollars a month paying to contract major consulting firms.

The Yale model of investment allocation, explained

College endowment managers long held to the traditional allocation of 60% domestic stocks and 40% bonds. But Yale’s David Swensen developed a new approach: deprioritizing low-risk fixed income and liquid assets in favor of alternative investments to leverage endowments' long-term investment horizons and capture the “liquidity premium.”

Modern monetary theory argues that governments can spend more without worrying about debt

In this discussion, economists Stephanie Kelton and Rohan Grey join Jon Stewart to explain modern monetary theory and debate whether expansive government spending can address inequality and economic crises without traditional debt constraints.

Experts recommend putting aside between 1% and 4% of the home’s value for maintenance

Experts say homeowners should consider the home’s age and condition, and its location’s climate, when deciding exactly how much to put aside for repairs and maintenance. They also recommend setting aside more money for those who expect to hire others for home repairs rather than doing it themselves.

Warren Buffett’s investing advice includes never paying too high a price for any investment

Buffett is perhaps the greatest investor of all time, and his investing philosophies are highly regarded and practiced around the world. His advice also includes investing in productive assets (like stocks, bonds, and real estate) and imagining what could go wrong before thinking about how much money you could make.

Hedge funds, the private investment firms that trade a wide swath of financial assets, make money by imposing steep fees on investors and from the fund's investment performance.

There may be a surplus of nearly 8,000 emergency room doctors by 2030

That was the 2021 prediction of the American College of Emergency Physicians, which led to a sudden steep decline in the field among medical students and residents. (Some users may encounter a paywall.)

Some semi-liquid private credit funds saw a surge in investor redemptions in early 2026

This raised red flags about the state of the private credit market at large. However, experts have cautioned that the idea that private credit is on the verge of collapse is overstated.

Ranking life's biggest decisions

Psychological research presents some unsurprising wisdom about how to make big decisions without regret: focus on people, don’t miss opportunities, and stay true to yourself.

Early Americans hated the idea of a central bank

After a series of economic panics induced by a lack of reserve cash at regional banks, the architects of today’s Federal Reserve opted to emphasize the goal of the bank as a reserve at the federal level—thus creating the lasting name.

Does minimum wage hurt workers?

Many economists traditionally believed raising the minimum wage hurt workers more than helped them. They argued that doing so would lead to job losses believing that if something is more expensive (like labor), people (like business owners) would want to buy less of it. However, recent research suggests otherwise.

Supporters argue that the Electoral College strengthens federalism and election stability

Defenders of the Electoral College argue it preserves federalism, forces candidates to build broad national coalitions, magnifies victory margins to reduce recount disputes, and limits incentives for voter fraud by containing the impact of contested ballots within individual states.

The Federal Emergency Management Agency leads the US response to disasters

Established in 1979, FEMA coordinates the government's response to hurricanes, wildfires, floods, and other disasters, providing funding, logistical support, and recovery assistance. In FY 2024, the agency spent $35.1B, nearly 40% of the Department of Homeland Security's total budget.

A legal scholar argues that the existing war powers framework may collapse in the event of a major power conflict

The legal tests presidents have used to avoid seeking congressional authorization were designed for weaker adversaries. This piece argues that those tests fail against similarly armed competitors, where even limited strikes risk significant escalation, potentially triggering a constitutional crisis over who has the authority to respond.

A bond ETF lets someone invest in multiple bonds through one single fund

There are risks, there are also major perks to buying a bond ETF, like the ability to purchase bonds on the stock market.

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

Warren Buffett's former professor Benjamin Graham is known as the 'father of value investing,' a strategy in which investors seek to buy stocks trading below their intrinsic worth.

A Yale student wrote a profound essay about the consulting industry's influence on elite college students that was published in a book of her writing after she died in a post-graduation car accident.

Larger animals like giraffes, elephants, and blue whales have developed a unique defense against cancer, a phenomenon known as Peto's Paradox

The power and influence of the American presidency have expanded significantly over time—far beyond what the founders envisioned.

Firework or sparkler burns, even if they cover a relatively small area of skin, can significantly affect our range of motion.

Use this calculator to find the dollar value of your mental load, from meal planning to coordinating after-school care for your children.

Apeirophobia is an overwhelming fear of living forever, perhaps stemming from the brain's inability to conceptualize an infinite life.

Some renewable energy sources may weaken the resiliency of electric grids by removing outage buffers provided by coal- and natural gas-fired plants, which provide the system with more time to find a new power source if a plant goes down.

Up to a million Girl Scouts sell about 200 million cookie boxes every spring, generating $800 million, largely because refusing a child is frowned upon

Watch this video that uses Lego bricks to explain how venture capital works.

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

The rivalry between Alexander Hamilton and Thomas Jefferson centered on federalism—the question of how much power the federal government should hold relative to the states.

Hookworm infection, though risky, may help fight certain autoimmune conditions by tamping down the immune system's inflammatory response.

Chaos theory—informally known as the butterfly effect—is the reason why weather forecasts are presented with probabilities rather than certainties.

The idea for the Federal Reserve was conceived in secret in 1910—with bankers donning duck hunt gear for disguise while traveling to a remote country club on Georgia's Jekyll Island

Gerrymandering works through two techniques: cracking opposing voters across districts to dilute their power, and packing them into a few to waste their votes in lopsided majorities.

Art theft is the third-largest source of criminal revenues worldwide, thanks in part to the subjective nature of valuing a work of art.

How the most famous Ebola book, The Hot Zone, which sold 3.5 million copies and was translated into 30 languages, got aspects of the disease so wrong.

Massive 3D printers have been used to build homes by stacking layers of 'concrete toothpaste,' a fire-resistant material that effectively insulates against outside noise.

Telehealth demand for GLP-1s for weight loss is booming as consumers seek easier access.

For centuries, Niagara Falls has been a magnet for daredevils seeking to conquer one of nature's most powerful wonders, with its 200-foot drop and water rushing at 32 feet per second with 280 tons of force.

Memecoins are a type of cryptocurrency—a form of digital currency with a wide variety of uses—created around popular 'memes,' or viral internet jokes.

Most of the observable universe's volume consists of voids and supervoids—enormous regions of space with little to no galaxies, stars, or light.