Personal Finance Institute

The BLS Data Finder allows for search across all BLS time series databases.

The markets in 2022 were characterized by a lot more pain than gain. That said, there were winners to be found, even during a turbulent year

Stadr: An online simulated stock trading platform. Use Stradr to learn about the stock market, risk free and for free. Education settings provided

Budget Like a Millionaire is a 4 part on-demand budgeting masterclass that teaches you how to create an intentional spending plan that actually works.

Investors have learned to ride out the highs and lows of the US stock market. In this analysis, we look at S&P 500 annual returns over the past 25 years.

The spending bill congressional leaders agreed to early this morning creates significant new incentives for retirement savings and broadly eases rules for withdrawing funds. Like...

This data note reviews our recent polling data that finds that Americans struggle to afford many aspects of health care, including disproportionate shares of uninsured adults, Black and Hispanic ad…

Most of the time, this column answers questions that are specific to Vermont: Why is there a phallic mushroom sculpture on Burlington's waterfront? Why is...

The findings could justify changes to driver insurance policies, the authors say.

In less than a decade, the share of Americans who go “cashless” in a typical week has increased by double digits.

Turn the tables and decline credit card protection insurance.

You might be surprised by one of the answers.  Answer: Engineers, accountants, management, attorneys and teachers Thanks to Jenny Trieu for providing the inspiration (and the resources) for this Question of the Day!  Question:  Do any of these five professions surprise you?   Given that only 31% of millionaires earn more than $100,000 a year, how do you think those earning less than $100,000 are able to build such wealth? A friend tells you they want to be a millionaire. What advice would you give them to achieve this goal?  Here are the ready-to-go slides for this Question of the Day that you can use in your classroom. Behind the numbers (Yahoo Finance): While these careers strongly correlate millionaire status to a higher education, that didn’t require attending a swank school.

Total household debt balances continued their upward climb in the third quarter of 2022 with an increase of $351 billion, the largest nominal quarterly increase since 2007. This rise was driven by a $282 billion increase in mortgage balances, according to the latest Quarterly Report on Household Debt & Credit from the New York Fed’s Center for Microeconomic Data. Mortgages, historically the largest form of household debt, now comprise 71 percent of outstanding household debt balances, up from 69 percent in the fourth quarter of 2019. An increase in credit card balances was also a boost to the total debt balances, with credit card balances up $38 billion from the previous quarter. On a year-over-year basis, this marked a 15 percent increase, the largest in more than twenty years. Here, we take a closer look at the variation in credit card trends for different demographics of borrowers using our Consumer Credit Panel (CCP), which is based on credit reports from Equifax.

How to actually enjoy your purchases instead of feeling bad about them.

Americans who have improved financial literacy and financial access are healthier overall, according to new research. A study published this month in the Journal of Family and Economic Issues found…

This icky debt is a result of economic inequality.

This interactive graphic shows a breakdown of how average Americans spend their money, and how expenses vary across generations.

Score a Better Future Fundamentals Customer Secure Login Page. Login to your Score a Better Future Fundamentals Customer Account.

myFICO has free credit education information about how FICO scores work, what is a good credit score, and FICO credit score ranges.

The Bean Game for Budgeting is a teacher and student favorite! Apply core principles. Adjust for financial hardships. Win!

EPI’s Family Budget Calculator measures the income a family needs in order to attain a modest yet adequate standard of living. Compared with the federal poverty line and the Supplemental Poverty Measure, EPI’s family budgets provide a more accurate and complete measure of economic security in America. The Family Budget Map offers a view of cost of living for a two-parent, two-child family across the United States at the county level.

EPI’s Family Budget Calculator measures the income a family needs in order to attain a modest yet adequate standard of living. The budgets estimate community-specific costs for 10 family types (one or two adults with zero to four children) in all counties and metro areas in the United States. Compared with the federal poverty line…

Did you know Google docs has budget templates available online, for free? If you enjoy using spreadsheets to manage your finances, see our list of favorites.

A budget is a spending plan for a certain length of time based on income and expenses. Budgeting can help you see where you stand and take control of your money.

Financial goals continuously evolve as we approach retirement. Finding our place on the investor lifecycle can prepare us for what's ahead.

Stock screener for investors and traders, financial visualizations.