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"Your Stock-Bond Mix by Age": three coin jars along a path, the first two with the same mix, the third with more bonds

Investing

What Your Stock-Bond Mix Should Look Like at 25, 35, and 45

At 35, the biggest fund company in America says do nothing. Its default target-date glide path holds 90% stocks flat from age 20 all the way to 40, then eases down about a point and a half a year. And while everyone argues about bonds, the data says people in their 30s hold under 5% in bonds and about 28% in cash. Here's the mix at 25, 35 and 45, the one rebalancing rule that beats trying to time anything, and the trick that rebalances a 401(k) without selling a share.

WB LooNovember 3, 2026

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"Where Can First-Time Buyers Afford a Home?": small houses on pillars of rising height, a gold key on the lowest step

Personal Finance

Where Can First-Time Buyers Afford a Home? 100 US Metros and Every UK Region (2026)

A starter home takes 47.9% of a young household's income in Los Angeles and 9.9% in Jackson, MS. See where 100 US metros and 12 UK regions rank.

WB LooOctober 20, 2026

"What a Recession Does to Your Money": a staked sapling stands firm as a storm cloud passes, a coin jar at its base

Investing

What a Recession Actually Does to Your Money in Your 20s (And the 3 Moves Worth Making Before One)

Nobody will tell you a recession started until months after it began. The committee that dates US recessions has taken anywhere from four to twelve months to make the call, so every plan built on reacting to the news fires late. Which is fine, because at 24 the thing a downturn threatens isn't the portfolio you won't touch for forty years. It's the paycheck that covers rent next month, and workers aged 20 to 24 already carry roughly double the unemployment rate of people aged 35 to 44. Here's what the data says a recession really costs someone your age, the three moves worth making before one arrives, and the two instincts that quietly do the most damage.

WB LooOctober 6, 2026

"Your Savings Rate Sets Your Retirement Date": five coin-filled savings jars under a green curve reaching a calendar

Personal Finance

Your Savings Rate, Not Your Salary, Decides When You Can Stop Working

A raise does nothing for your retirement date. Spend it and you've moved neither number that matters. Save it and you've moved both at once, because the finish line is a multiple of what you spend. Two people on $70,000 can finish 19 years apart on that difference alone.

WB LooSeptember 29, 2026

Stepping stones across calm water, with the nearest stone lit and vastly oversized while the rest shrinking.

Investing

The Recency Bias That Quietly Makes Investors Buy High and Sell Low

None of 2021's winning funds were still winning by 2024. That isn't bad luck, it's the ordinary behavior of markets. Recency bias is what makes you buy those funds anyway, usually right at the point where the run ends. Morningstar puts the cost of that habit at 1.2 percentage points a year, though a paper forthcoming in the Financial Analysts Journal argues the real figure is closer to 0.10. Here's the honest number, why the scary version gets quoted anyway, and the three-part rule that quietly protects you either way.

WB LooSeptember 22, 2026

An AI assistant giving several different financial recommendations, highlighting the inconsistency of AI.

Investing

Can You Trust AI for Financial Advice? Seven Chatbots Gave Seven Answers

Your chatbot is guessing, and it sounds exactly the same as when it isn't. Researchers gave seven AI tools an identical household profile and asked how much the family should hold in emergency savings. The recommendations came back anywhere from about $21,000 to $37,500. Ask the same tools for a safe retirement withdrawal rate, though, and they almost all said 4%. Here's what that split tells you about which money questions AI is safe on, the one tool that cut its stock recommendation in half when only the race of the person changed, and the ninety-second test to run before you act on anything a chatbot tells you.

WB LooSeptember 14, 2026

Water flowing down seven descending stone basins, each filling before overflowing into the next.

Investing

Save, Invest, or Pay Off Debt First? The Financial Order of Operations

Your employer match beats paying off a credit card. Most beginner guides put the emergency fund first, a few open with insurance deductibles, and that is why nobody agrees on step one. The tiebreaker is simpler than the arguing suggests. Rank every dollar by what it earns you, then pull just enough cash forward that a surprise never pushes you back onto the card. Here is the full seven-step order with the 2026 contribution limits, one worked example on a $55,000 salary that quietly runs out halfway through step five, and the two moments when breaking the order is the right call.

WB LooSeptember 7, 2026

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50 articles

Investing

Build long-term wealth with index funds, stocks, and ETFs.

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47 articles

Personal Finance

Budget, save, and crush debt without the jargon.

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48 articles

Financial Literacy

Master the fundamentals from zero — no background needed.

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10 articles

Real Estate

Buying, mortgages, and the realities of home ownership.

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3 articles

Crypto

Understand the basics without the hype cycles.

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New to the jargon? Start with the money glossary: 55 terms, from compound interest to the 4% rule, explained in plain English.

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If you’re just getting started

A short reading arc through the fundamentals — read these in order and you’ll have the foundation almost everything else builds on.

"What Is Financial Literacy?": an open book whose pages unfold into a stepping-stone path toward a young tree

Investing

What Is Financial Literacy? What Americans Get Wrong in 2026 (and How to Fix Yours)

US adults answered just 47% of basic money questions correctly in 2026, and Gen Z scored 38%. What financial literacy means, where people slip and how to build yours.

WB LooMay 23, 2022

"How to Build an Emergency Fund": a coin jar under a navy umbrella at the end of a stone path in light rain

Personal Finance

How to Build an Emergency Fund: A 7-Step Plan That Works on a Tight Budget

Only 63% of adults could cover a $400 surprise with cash. Here's how to build an emergency fund in two stages, where to keep it, and a plan in real numbers.

WB LooMarch 25, 2025

Investing

Index Investing 101 — The Beginner’s Guide to Wealth Building

Picture your savings quietly growing, almost without effort, while you get on with what matters most. Index investing makes this possible by tracking broad market indices with minimal cost and fuss. In fact, S&P Dow Jones Indices reports that over 65% of active large-cap US equity funds underperformed the S&P 500 in 2024, illustrating the power of passive strategies to deliver steady market returns. Whether you’re saving for a first home or planning your retirement, harnessing index funds can simplify your financial journey and help you stay on track. In this guide, we’ll walk you through exactly how to start index investing with confidence and clarity.

WB LooJuly 21, 2025

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