What is the 70-20-10 budget?

Four popular budgeting strategies

While budgeting is an individualized process, there are a few tried-and-true budgeting methods people interested in saving money or paying down debt tend to use. These methods include the envelope method—where people budget for things like rent, savings, and food by putting cash in various physical envelopes—the 50/20/30 method, and others. Read about four popular budgeting strategies in this article.

The 60/40 method says to allocate 60% of your portfolio to stocks, and 40% to bonds

The 60/40 method used to be the golden rule when planning for retirement, as stocks are more lucrative and bonds are more reliable. However, it isn’t necessarily the go-to recommendation anymore.

Should you pay off debt or invest?

Some experts say you should put aside 20% of each paycheck and use that money for future goals, such as saving, investing, and paying off debt. But which should you prioritize first? It all depends on where you are in your financial journey. This article outlines the steps you should take depending on what your finances look like right now. Read it here.

Try to balance the budget

This interactive calculator challenges users to rebalance the federal budget by adjusting taxes and spending. Try your hand at weighing difficult trade-offs that shape long-term deficits, debt growth, and the sustainability of US public finances.

How to save money with 'loud budgeting'

"Loud budgeting" is when you announce to your friends that something—a restaurant, an activity, and so on—is too expensive and you can't afford it. The term, which opposes the social pressure of keeping up wealthy appearances, was coined by comedian Lukas Battle in 2024 as a joke, but it caught on with TikTokers amid inflation.

57% of future homebuyers plan to put down less than the recommended 20% on a house

Historically, experts have recommended buyers put down 20% on a house when buying. But due to rising housing costs and the cost of living, this goal is unattainable for many buyers.

Modern Monetary Theory 101

Modern Monetary Theory is a macroeconomic theory that says government spending should not be restrained by fears of rising debt. Here's a breakdown of how the theory works.

The Budget and Accounting Act of 1921 created the modern federal budget

Before 1921, federal funding was fragmented and ad hoc. This article traces how inefficiency and postwar pressures led Congress to pass the Budget and Accounting Act, creating a standardized, centralized federal budgeting process.

Calculate how much of your tax dollars go to each federal program based on your income, filing status, and number of children

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.

The 'Two and Twenty' structure allows hedge funds and private equity firms to earn significant returns

With this structure, firms charge limited partners or "LPs" a 2% management fee for overseeing the fund (assets under management or AUM) and take 20% of the fund's overall profits (carried interest). Many private credit funds also operate under this structure.

What is the 240 paychecks retirement rule?

Many people think about the large sum of money they'll require to retire comfortably. It can be intimidating. The 240 retirement method breaks that thinking down into paychecks. Specifically, the framework argues that the average retiree will need 240 paychecks to retire. Learn more here.

Americans ages 30 to 34 have $44,800 in their 401(k) accounts on average

Americans ages 28 to 44 save about 13.5% of their pretax income on average, which is close to the recommended retirement savings rate of 15%.

A 1992 personal finance book helped inspire the FIRE movement

"Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence" by Vicki Robin and Joseph Dominguez argued that people should prioritize consuming less and living better.

Forty to 110 minutes of deep sleep is recommended per night

Adults typically spend 10% to 20% of the night in deep sleep, also known as slow-wave sleep, with the rest of the night spent either in light sleep or REM states.

Investors collectively own $28T in US Treasury securities

The 10-year Treasury yield is a central measure of the health of the economy, shaping how much both the government pays on its debt and the cost of borrowing for the private sector. This explainer provides stats and explainers on the important metric.

An analysis of the National Science Foundation's historical budget and spending

The NSF accounted for 0.1% of all federal spending in FY2024, with $9.39B—just over twice its FY1991 spending—out of $6.78T overall. Almost 99% of these funds ($9.29B) went to general science and basic research, with the rest allocated to national defense.

Calculate whether or not you're in the American middle class

In 2022, roughly 52% of US adults lived in middle-income households. This income calculator can help you determine whether or not you're one of them. Specifically, the calculator lets you enter your household income, location, and more to see where you line up in Pew's government data.

College endowments FAQ

​The National Association of College and University Business Officers (NACUBO) is a membership organization representing chief administrative and financial officers at colleges and universities. This page addresses 10 common questions about college endowments, including their purposes, management, and spending policies. Learn more about how endowments support institutional missions and financial sustainability.

The human brain only uses 5% more energy during active tasks versus resting

Despite only being 2% of the weight of a human body, the average adult brain consumes 20% of its energy, with the majority of it spent on maintaining homeostasis—the stable equilibrium conditions of temperature, acidity, blood sugar, and other properties in the body. For infants, the consumption is closer to 50%.

Financial solutions for HENRYs

The term HENRY stands for "high earner, not rich yet." People who fall into the high earner, not rich yet category tend to have some significant blockers keeping them from accumulating wealth, such as lifestyle creep and student debt. This article outlines some financial planning advice specifically for those in the HENRY category—read it here.

Adults need two days of muscle strengthening activity weekly—yet most of us aren't doing that

That recommendation—muscle-strengthening activities on two or more days a week working all major muscle groups—is in addition to 150 minutes weekly of moderate-intensity physical activity. Those resistance and aerobic training numbers from the US government are echoed by other medical groups. But nearly 80% of adults aren't checking the box on those goals. This failure is linked to about $117B in annual health costs and some 10% of premature mortality.

The USPS spent $3.97B in 2024, accounting for .058% of the federal budget.

Americans spend an average of nearly $500 per year on tipping at restaurants and bars

The habit runs contrary to economic rationality: Why pay more for a good or service you have already received when it isn’t mandatory? Researchers found that people tip, in part, to avoid the psychological pain of not fitting in.

Where to buy organic on a budget

In the past year, prices for organic fruits and vegetables rose 13.1%, significantly higher than the price increase of non-organic foods. While buying organic can be costly, certain stores can help organic shoppers save. This list highlights produce stores you may have been overlooking, like Trader Joe's and Walmart. Peruse the list and keep you grocery costs down.

Modern workplaces were engineered for efficiency, not work-life balance

Modern work organization traces back to 19th-century scientific management, an approach that optimized output by viewing workers as machine components. That logic still persists today and contributes to burnout, stress, and disengagement. Researchers propose a "circular work" model that combines effort with recovery, learning, and renewal, suggesting productivity and well-being should align rather than compete.

Buffett is known for being extremely generous with his fortune

So generous that in 2010 he pledged to donate 99% of his money. He said this money “can have a huge effect on the health and welfare of others.” This letter is Buffett’s philanthropic pledge, which details his commitment to giving and how luck and privilege helped him accumulate so much money.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

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.

Before the current East Wing ballroom project, only two White House renovations in the past 100 years cost more than $10M.

Explore an interactive map built from more than 100,000 survey responses on where people find joy in their lives

For centuries, it was common to sleep in two shifts: a few hours at the beginning of the night, and a longer period beginning around midnight

The US dollar is the most widely circulated currency in the world, and is involved in nearly 90% of global transactions

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 hormonal disorder PCOS was renamed PMOS in 2026, a move designed to improve care and research by shifting the focus to the hormonal causes of this condition that affects 1 in 8 women.

See this overview of the firework rules across all 50 states, ranging from a complete ban on non-professional fireworks in Massachusetts to states with more lax rules like Indiana.

Despite being favored by 87% of Americans, Congress does not have term limits.

20,000 letters to the advice columnist 'Dear Abby' provide insight into prevailing sex, religion, and LGBTQ fears, anxieties, and concerns from the 1950s onward.

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

Dozens of S&P 500 stocks, including Coca-Cola and Walmart—known as the dividend aristocrats—have increased dividends every year for 25 years

To reduce wrinkles in clothing, research recommends gentle wash cycles with more water and tumble drying with smaller loads and longer times.

A small portion of The Winstons' 'Amen, Brother,' an obscure '60s gospel record, is the basis for thousands of hip-hop tracks, making it one of the most sampled records ever that's informally known as 'the Amen break.'

Electrical grids worldwide must double their power delivery capacity by 2050 to meet surging demand from AI and electric vehicles.

Watch the cumbersome, but necessary, precautions healthcare workers must take to care for and protect themselves while caring for Ebola patients.

While the sun's gravity keeps the planets in orbit, their gravity also pulls on the sun, causing it and everything else in the solar system to orbit around a mutual balance point called the barycenter—the true center of the solar system.

Bone marrow (soft tissue found inside certain bones) generates roughly 500 billion new blood cells each day

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.

The use of fungi to detoxify land and water—a process known as mycoremediation—has been used to clean up natural resources affected by the 2025 California wildfires.

After 25 people used virtual reality headsets to practice flying with virtual wings—flapping their arms—their visual cortex responded to the wings almost as if they were real arms, treating them as body parts.