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Close * Mortgages * Popular * Best Mortgage Lenders Independently researched and ranked mortgage lenders. * Current Mortgage Rates Up-to-date mortgage rate data based on originated loans. * Historical Mortgage Rates A collection of day-by-day rates and analysis. * Mortgage Calculator Found a home you like? Calculate your monthly payment here. * First Time Homebuyer's Challenge Fast-track your home purchase with this Money challenge. * Best Places to Live From suburbs to small towns, these are the 50 Best Places to Live. * Money's Top Picks * Best Mortgage Lenders * Best Mortgage Refinance Lenders * Best VA Loan Lenders * Best Online Mortgage Lenders * Best Jumbo Mortgage Loan Lenders * Calculators * Mortgage Calculator * Mortgage Refinance Calculator * Home Affordability Calculator * Debt-To-Income Ratio Calculator * Lenders by State * CA * WA * Guides * First Time Homebuyer's Challenge * What Is A Reverse Mortgage? * How To: Get Pre-Approved For A Home Loan * First Time Homebuyer Checklist * Understanding Mortgage Rates * FAQs * When Is The Best Time To Refinance? * Is Now A Good Time To Refinance? * Insurance * Auto Insurance * Best Car Insurance Companies We break down rates, deductibles, policy info, and reviews. * Best Cheap Car Insurance * Save On Car Insurance During Coronavirus * Home Insurance * Best Home Insurance Companies We analyzed over 400 data points to determine our winners. * Best Renters Insurance * What Does Home Insurance Cover? * Life Insurance * Best Life Insurance Companies Our picks are based on common life insurance needs. * What is Life Insurance? * What Is Term Life Insurance? * What Is Whole Life Insurance? * What Is Universal Life Insurance? * What Is Senior Life Insurance? * What Is No-Exam Life Insurance? * Pet Insurance * Best Pet Insurance Companies Get transparent information on what to expect with each pet insurance company. * Healthy Paws Review * ASPCA Review * Embrace Review * Lemonade Review * Figo Review * Nationwide Review * Trupanion Review * Pets Best Review * Pumpkin Review * How Much Does Pet Insurance Cost? * What Does Pet Insurance Cover? * And More * Best Dental Insurance Plans * Best Travel Insurance * Best RV Insurance * Best Motorcycle Insurance * Best Boat Insurance * Best Business Insurance * Best Wedding Insurance * Credit & Credit Cards * Money's Top Picks * Best Credit Cards Cash back or travel rewards, we have a credit card that's right for you. * Best Identity Theft Protection * Best Credit Repair * Best Cards by Type * Best Cash Back Credit Cards * Best Balance Transfer Cards * Best Travel Credit Cards * Best Credit Cards For Bad Credit * Best Credit Card Deals * Best Rewards Credit Cards * Guides * How To Build Credit * How To Repair Bad Credit * How To Remove Items From Your Credit Report * How To Boost Your Credit Card Approval Odds * What Is A Balance Transfer? * Loans * Money's Top Picks * Best Personal Loans Over 170 hours of research determined the best personal loan lenders. * Best Student Loans * Best Student Loan Refinance * Best Loans For Bad Credit * Best Home Equity Loans * Best Small Business Loans * Best Auto Refinance Companies * Best Debt Consolidation Loans * Guides * How To Pay For College * How To Get a Student Loan * How To Get a Personal Loan * How To Get a Small Business Loan * How To Get a Home Equity Loan * How To Get a Car Loan * How To Get a Home Improvement Loan * What is Debt Consolidation? * How To Pay Off Debt * Investing & Banking * Cryptocurrency * Best Crypto Exchanges * Money's Top Picks * Best CD Rates Before you make your first deposit, find the CD that's right for your needs. * Best Checking Accounts * Best Savings Accounts * Best High-Yield Savings Accounts * Best Online Stock Trading * Best Business Checking Accounts * Guides * How To Save Money * How To Buy Stocks * How To Buy Gold * How To Pick A Financial Advisor * Roth IRAs Guide * What Is A 401K? * What Is A High-Yield CD? * FAQs * How Much Should You Save For Retirement? * Shopping * Guides * How Much Is Invisalign * Amazon Prime Day Guide * How To Buy An Engagement Ring * The Best Face Masks for Coronavirus * Which Stores Require Face Masks? * Money's Best * For the Home * Home Warranties * Home Security Systems * Antivirus Software * VPN * Smart Thermostats * Smart Home Devices * Washers & Dryers * Dishwashers * Air Purifiers * Portable Air Conditioners * Vacuum Cleaners * Home Security Cameras * Mattresses * Garden Tools * Gutter Guards * Power Tools * Pillows * Patio Heaters * TV Antennas * Modems & Routers * Headphones & Earbuds * Grills & Smokers * Coolers * Kitchen * Juicers * Blenders * Immersion Blenders * Wine Glasses * Water Filters * Coffee Makers * Pots & Pans * Services * Moving Companies * Pest Control * Online Grocery Delivery * Car Rental Deals * Wine Clubs * Streaming Services * Flower Delivery * Home Office * Standing Desk * Home Office Chairs * Home Printers * Beauty * Hair Dryers * Teeth Whitening Kits * Electric Toothbrushes * Health & Fitness * Hearing Aids * Medical Alert Systems * Treadmills * Home Exercise Equipment * Yoga Mats * Women's Yoga Pants * Online Personal Trainers Log In Sign Up MY MONEY * Profile * Manage Subscriptions * Sign Out Close LOG IN TO YOUR MONEY ACCOUNT. Email Password Forgot Password? Log In OR Close SIGN UP FOR A MONEY ACCOUNT AND START CREATING A RICHER LIFE. Email By clicking "Continue" I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Terms of Use and Privacy Notice and consent to the processing of my personal information. Continue <BACKENTER YOUR NAME First Name Last Name By clicking "Continue" I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Terms of Use and Privacy Notice and consent to the processing of my personal information. Continue <BACKENTER A PASSWORD Password Toggle Password * One Uppercase Letter * One Number * Minimum of eight characters By clicking "Continue" I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Terms of Use and Privacy Notice and consent to the processing of my personal information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Create Account Toast Message Close WELCOME TO START EXPLORING THE BEST PERSONAL FINANCE CONTENT! * Mortgages Main Menu * Popular * Best Mortgage Lenders Independently researched and ranked mortgage lenders. * Current Mortgage Rates Up-to-date mortgage rate data based on originated loans. * Historical Mortgage Rates A collection of day-by-day rates and analysis. * Mortgage Calculator Found a home you like? Calculate your monthly payment here. * First Time Homebuyer's Challenge Fast-track your home purchase with this Money challenge. * Best Places to Live From suburbs to small towns, these are the 50 Best Places to Live. * Money's Top Picks * Best Mortgage Lenders * Best Mortgage Refinance Lenders * Best VA Loan Lenders * Best Online Mortgage Lenders * Best Jumbo Mortgage Loan Lenders * Calculators * Mortgage Calculator * Mortgage Refinance Calculator * Home Affordability Calculator * Debt-To-Income Ratio Calculator * Lenders by State * CA * WA * Guides * First Time Homebuyer's Challenge * What Is A Reverse Mortgage? * How To: Get Pre-Approved For A Home Loan * First Time Homebuyer Checklist * Understanding Mortgage Rates * FAQs * When Is The Best Time To Refinance? * Is Now A Good Time To Refinance? * Insurance Main Menu * Auto Insurance * Best Car Insurance Companies We break down rates, deductibles, policy info, and reviews. * Best Cheap Car Insurance * Save On Car Insurance During Coronavirus * Home Insurance * Best Home Insurance Companies We analyzed over 400 data points to determine our winners. * Best Renters Insurance * What Does Home Insurance Cover? * Life Insurance * Best Life Insurance Companies Our picks are based on common life insurance needs. * What is Life Insurance? * What Is Term Life Insurance? * What Is Whole Life Insurance? * What Is Universal Life Insurance? * What Is Senior Life Insurance? * What Is No-Exam Life Insurance? * Pet Insurance * Best Pet Insurance Companies Get transparent information on what to expect with each pet insurance company. * Healthy Paws Review * ASPCA Review * Embrace Review * Lemonade Review * Figo Review * Nationwide Review * Trupanion Review * Pets Best Review * Pumpkin Review * How Much Does Pet Insurance Cost? * What Does Pet Insurance Cover? * And More * Best Dental Insurance Plans * Best Travel Insurance * Best RV Insurance * Best Motorcycle Insurance * Best Boat Insurance * Best Business Insurance * Best Wedding Insurance * Credit & Credit Cards Main Menu * Money's Top Picks * Best Credit Cards Cash back or travel rewards, we have a credit card that's right for you. * Best Identity Theft Protection * Best Credit Repair * Best Cards by Type * Best Cash Back Credit Cards * Best Balance Transfer Cards * Best Travel Credit Cards * Best Credit Cards For Bad Credit * Best Credit Card Deals * Best Rewards Credit Cards * Guides * How To Build Credit * How To Repair Bad Credit * How To Remove Items From Your Credit Report * How To Boost Your Credit Card Approval Odds * What Is A Balance Transfer? * Loans Main Menu * Money's Top Picks * Best Personal Loans Over 170 hours of research determined the best personal loan lenders. * Best Student Loans * Best Student Loan Refinance * Best Loans For Bad Credit * Best Home Equity Loans * Best Small Business Loans * Best Auto Refinance Companies * Best Debt Consolidation Loans * Guides * How To Pay For College * How To Get a Student Loan * How To Get a Personal Loan * How To Get a Small Business Loan * How To Get a Home Equity Loan * How To Get a Car Loan * How To Get a Home Improvement Loan * What is Debt Consolidation? * How To Pay Off Debt * Investing & Banking Main Menu * Cryptocurrency * Best Crypto Exchanges * Money's Top Picks * Best CD Rates Before you make your first deposit, find the CD that's right for your needs. * Best Checking Accounts * Best Savings Accounts * Best High-Yield Savings Accounts * Best Online Stock Trading * Best Business Checking Accounts * Guides * How To Save Money * How To Buy Stocks * How To Buy Gold * How To Pick A Financial Advisor * Roth IRAs Guide * What Is A 401K? * What Is A High-Yield CD? * FAQs * How Much Should You Save For Retirement? * Shopping Main Menu * Guides * How Much Is Invisalign * Amazon Prime Day Guide * How To Buy An Engagement Ring * The Best Face Masks for Coronavirus * Which Stores Require Face Masks? * Money's Best * For the Home * Home Warranties * Home Security Systems * Antivirus Software * VPN * Smart Thermostats * Smart Home Devices * Washers & Dryers * Dishwashers * Air Purifiers * Portable Air Conditioners * Vacuum Cleaners * Home Security Cameras * Mattresses * Garden Tools * Gutter Guards * Power Tools * Pillows * Patio Heaters * TV Antennas * Modems & Routers * Headphones & Earbuds * Grills & Smokers * Coolers * Kitchen * Juicers * Blenders * Immersion Blenders * Wine Glasses * Water Filters * Coffee Makers * Pots & Pans * Services * Moving Companies * Pest Control * Online Grocery Delivery * Car Rental Deals * Wine Clubs * Streaming Services * Flower Delivery * Home Office * Standing Desk * Home Office Chairs * Home Printers * Beauty * Hair Dryers * Teeth Whitening Kits * Electric Toothbrushes * Health & Fitness * Hearing Aids * Medical Alert Systems * Treadmills * Home Exercise Equipment * Yoga Mats * Women's Yoga Pants * Online Personal Trainers Subscribe to our Newsletter est. 1972 featured AMERICANS AREN’T SAVING ENOUGH FOR RETIREMENT — AND ALL TAXPAYERS MIGHT END UP PAYING FOR IT Retirement 5 min read One program could help solve a looming $1.3 trillion savings shortfall, but only 11 states are participating. Americans Aren’t Saving Enough for Retirement — and All Taxpayers Might End up Paying for It trending ROBINHOOD USERS WILL SOON BE ABLE TO TRADE 24 HOURS A DAY, 5 DAYS A WEEK Investing 5 min read Robinhood Users Will Soon Be Able to Trade 24 Hours a Day, 5 Days a Week WORKERS ARE (SUPPOSEDLY) HAPPIER THAN EVER WITH THEIR JOBS Careers 6 min read Workers Are (Supposedly) Happier Than Ever With Their Jobs THE AVERAGE DOWN PAYMENT ON A HOME IS SHRINKING Real Estate 3 min read The Average Down Payment on a Home Is Shrinking HERE ARE THE CARS THAT ARE HARDEST TO FIND IN STOCK RIGHT NOW Everyday Money 3 min read Here Are the Cars That Are Hardest to Find in Stock Right Now MASTERING YOUR GOLDEN FUTURE: TOP IRA COMPANIES, INVESTMENT INSIGHTS, AND BUYING GUIDES FOR 2023 Prev Next * IS GOLD A GOOD INVESTMENT? Investing 10 min read Is Gold a Good Investment? * HOW TO BUY GOLD Investing 19 min read How to Buy Gold * 8 BEST GOLD IRA COMPANIES OF 2023 Investing 24 min read 8 Best Gold IRA Companies of 2023 * WHAT IS A GOLD IRA? Retirement 14 min read What Is a Gold IRA? * HOW TO BUY GOLD BARS Investing 13 min read How to Buy Gold Bars * * * TURNKEY TAX SOLUTIONS: ADVICE, RELIEF AND MORE Prev Next * COMMUNITY TAX RELIEF REVIEW Everyday Money 14 min read Community Tax Relief Review * OPTIMA TAX RELIEF Everyday Money 13 min read Optima Tax Relief * 5 BEST TAX RELIEF COMPANIES OF 2023 Everyday Money 29 min read 5 Best Tax Relief Companies of 2023 * TAX DEFENSE NETWORK TAX RELIEF Everyday Money 14 min read Tax Defense Network Tax Relief * BEST TAX RELIEF COMPANIES OF 2022 Everyday Money 28 min read Best Tax Relief Companies of 2022 * * * EXPLORE MONEY'S RICH HISTORY GET STARTED * MARCH 2023 * DECEMBER 2022 * SEPTEMBER 2022 * JULY 2022 * MAY 2022 * APRIL 2022 * FEBRUARY 2022 * DECEMBER 2021 * OCTOBER 2021 * JULY 2021 * SEPTEMBER 2021 * JUNE 2021 Prev Next * Cover stories THE BEST PLACES TO TRAVEL IN 2023 Read Story * Cover stories MEET THE CHANGEMAKERS: 50 INNOVATORS SHAPING AMERICANS' FINANCES Read Story * Cover stories ATLANTA IS THE BEST PLACE TO LIVE IN THE U.S. Read Story * Cover stories AN OPAQUE WEB OF CREDIT REPORTS IS TRACKING EVERYTHING YOU DO Read Story * Cover stories THE BEST COLLEGES IN AMERICA Read Story * Cover stories WHAT’S A REAL ESTATE AGENT WORTH? Read Story * Cover stories THE FACES OF PERSONAL FINANCE ARE CHANGING Read Story * Cover stories 22 WAYS TO HAVE THE BEST MONEY YEAR OF YOUR LIFE Read Story * Cover stories TO HAVE AND TO HODL: WELCOME TO LOVE IN THE AGE OF CRYPTOCURRENCY Read Story * Cover stories GEN Z IS REWRITING THE RULES FOR PERSONAL FINANCE IN REAL TIME. THAT'S GOOD, RIGHT? Read Story * Cover stories THE BEST PLACES TO LIVE IN AMERICA Read Story * Cover stories BEYOND PRIDE: THE FIGHT TO MAKE FINANCE MORE INCLUSIVE Read Story Full Archive MOST RECENT Prev Next * DEVOTING 30% OF YOUR INCOME TO RENT IS BECOMING THE NORM IN THE U.S. Real Estate 4 min read The U.S. technically became “rent-burdened” at the end of last year. Devoting 30% of Your Income to Rent Is Becoming the Norm in the U.S. * WHY A RECORD SHARE OF AMERICANS THINK IT’S A BAD TIME TO BUY A HOUSE Real Estate 3 min read With mortgage rates soaring and very little inventory, it’s no wonder. Why a Record Share of Americans Think It’s a Bad Time to Buy a House * HOW TO PAY OFF DEBT ON A LOW INCOME Credit Cards 15 min read Learn how to maximize payments, reduce interest and pay off debt, even with a low income. How to Pay Off Debt On a Low Income * THIS MAP SHOWS WHERE DRIVERS ARE PAYING THE HIGHEST GAS TAXES Everyday Money 5 min read Taxes and fees are part of why gas can cost $3 in one state and $5 in another. This Map Shows Where Drivers Are Paying the Highest Gas Taxes * AMERICANS AREN’T SAVING ENOUGH FOR RETIREMENT — AND ALL TAXPAYERS MIGHT END UP PAYING FOR IT Retirement 5 min read One program could help solve a looming $1.3 trillion savings shortfall, but only 11 states are participating. Americans Aren’t Saving Enough for Retirement — and All Taxpayers Might End up Paying for It * GAS PRICES ARE NEARLY $1 CHEAPER THAN THEY WERE A YEAR AGO Everyday Money 3 min read Last summer, average gas prices peaked over $5 a gallon. This year, we may not even get to $4. Gas Prices Are Nearly $1 Cheaper Than They Were a Year Ago * PEOPLE ARE PAYING A LOT OF MONEY FOR ‘FREE’ VIDEO GAMES Shopping 8 min read People are paying an awful lot of money for "free" video games. People are Paying a Lot of Money for ‘Free’ Video Games * EDUCATION DEPARTMENT CONFIRMS THE STUDENT LOAN PAYMENT PAUSE WON'T BE EXTENDED AGAIN Everyday Money 4 min read The Education Department will set a precise timeline after when the Supreme Court rules on loan forgiveness. Education Department Confirms the Student Loan Payment Pause Won't Be Extended Again * STOCKS, REAL ESTATE OR GOLD? HERE’S WHAT PEOPLE THINK THE BEST INVESTMENT IS NOW Investing 4 min read After a bad year for stocks and housing, more people prefer gold as a good long-term investment. Stocks, Real Estate or Gold? Here’s What People Think the Best Investment Is Now * WHY INVESTORS WHO BET AGAINST BANK STOCKS ARE UNDER SCRUTINY Investing 5 min read Short sellers raked in profits during the banking sector's turmoil. Why Investors Who Bet Against Bank Stocks Are Under Scrutiny * HERE ARE THE CARS THAT ARE HARDEST TO FIND IN STOCK RIGHT NOW Everyday Money 3 min read Good luck if you're looking to buy a Toyota, Kia or Honda. Here Are the Cars That Are Hardest to Find in Stock Right Now * A U.S. DEBT DEFAULT COULD SEND THE HOUSING MARKET INTO A 'DEEP FREEZE' Real Estate 3 min read A Zillow forecast indicates mortgage rates would soar and home values could tank. A U.S. Debt Default Could Send the Housing Market Into a 'Deep Freeze' OUR RANKINGS OF THE BEST IN EACH INDUSTRY Our editors research hundreds of sources and contact hundreds of the most respected experts in each industry to get you the most relevant information and empower you to make the right purchasing decision. * Best Gold IRAs * Best Credit Repair Companies * Best Life Insurance * Best Home Equity Loans * Best Credit Cards * Best Long Term Care Insurance * Best Pet Insurance * Best Mortgage Lenders FEATURED FIND THE BEST LIFE INSURANCE POLICY TO PROTECT YOUR LOVED ONES Launch Tool POPULAR CATEGORIES * Investing * Employment * Mortgage & Refinance * Family Finance * Retirement * Credit Cards * Insurance * Shopping * Banking CALCULATORS MAXIMIZE YOUR SAVINGS WITH OUR CALCULATORS * Home Affordability * Mortgage * Refinance * Debt-to-Income * HOW MUCH HOME CAN I AFFORD? GET STARTED * HOW MUCH WILL MY MORTGAGE PAYMENT BE? GET STARTED * HOW MUCH CAN I SAVE BY REFINANCING? GET STARTED * WHAT IS MY DTI RATIO? GET STARTED NEWSLETTERS YOUR TRUSTED SOURCE OF MONEY NEWS & RESOURCES NOW IN YOUR INBOX! Stay ahead of your finances. Subscribe to our Newsletters. Subscribe READ THE LATEST FROM THE MONEY TEAM Prev Next * Mallika Mitra BIO MALLIKA MITRA LATEST FROM MALLIKA HOW TO CHOOSE A FINANCIAL ADVISOR IN 2023 | MONEY 24 min read * Sarah Hansen BIO SARAH HANSEN LATEST FROM SARAH WHY A RECORD SHARE OF AMERICANS THINK IT’S A BAD TIME TO BUY A HOUSE 3 min read * Amarilis Yera BIO AMARILIS YERA LATEST FROM AMARILIS 9 BEST TRAVEL CREDIT CARDS OF MAY 2023 | MONEY 38 min read * Adam Hardy BIO ADAM HARDY LATEST FROM ADAM A U.S. DEBT DEFAULT COULD SEND THE HOUSING MARKET INTO A 'DEEP FREEZE' 3 min read * Carlos Silva BIO CARLOS SILVA LATEST FROM CARLOS 11 BEST CASH BACK CREDIT CARDS OF MAY 2023 | MONEY 39 min read * Leslie Cook BIO LESLIE COOK LATEST FROM LESLIE CURRENT MORTGAGE RATES 16 min read * Paul Reynolds BIO PAUL REYNOLDS LATEST FROM PAUL MONEY'S BEST AUTOS OF 2023, FROM SPORTS CARS TO SUVS 7 min read * Ana Reina BIO ANA REINA LATEST FROM ANA 5 BEST LONG-TERM CARE INSURANCE COMPANIES OF MAY 2023 | MONEY 24 min read * Andrea Agostini Ferrer BIO ANDREA AGOSTINI FERRER LATEST FROM ANDREA BEST PERSONAL LOANS OF MAY 2023 | MONEY 37 min read * Julia Glum BIO JULIA GLUM LATEST FROM JULIA DOLLAR SCHOLAR ASKS: WHY DO I FEEL GUILTY ABOUT SPENDING MY SAVINGS? 6 min read * Gabriel O. 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