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Stat Of The Day
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65%
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Want a better deal on a new home? You might need to make peace with a few ghosts. 65% of Americans say they’d consider buying a haunted house – but they’d expect a spooky-sized discount. 39% said they’d need at least 40% off the listing price. 29% would take 20-39% off and only 15% would brave the bumps in the night for less than a 20% markdown.
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It’s Not Too Late to Put Your Future First
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Life moves fast - but when it comes to your financial future, even small steps today can make a lasting impact tomorrow. If you’ve been waiting for the "right time" to get serious about savings, here’s some good news: it’s never too late.
HerMoney is shining a light on Gainbridge® - a digital-first annuity platform that helps you lock in guaranteed growth, with no fine print, no sales pressure, and no market risk. From shorter-term products like FastBreak™, to long-term solutions designed for retirement, Gainbridge can empower you to take control on your own terms.
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This Week In Your Wallet
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The Federal Reserve cut interest rates by 25 basis points on Wednesday. It’s a move that will ripple through the economy – affecting everything from credit card APRs to returns on high-yield savings accounts (HYSAs) and certificates of deposit (CDs). "Yields on high-interest savings accounts and CDs are only going to keep dropping," Matt Schulz, LendingTree’s chief credit analyst, tells CNBC. "It is likely time to act to lock in today’s high rates."
Paying off student loans in under a decade? It’s possible. With the average federal loan balance hovering around $40,000, many borrowers are still making payments well into midlife – often delaying major financial goals. But The Wall Street Journal recently profiled four people who beat the odds and paid theirs off in less than 10 years. "They pulled it off through a combination of blood, sweat and tears—sometimes literally," writes the WSJ. "One borrower picked up extra cash by donating plasma."
🎓 If your income and credit score have improved since graduation, refinancing your private student loans could help you do the same. A lower interest rate = more money in your pocket and faster progress toward bigger goals, like buying a home, starting a business, or paying off debt.
And on to another kind of refinancing that could save you major cash – refinancing your mortgage. Rates have been declining, making it a tempting time to refi. But how do you know if it’s the right move? This week on HerMoney.com, we’re breaking down everything you need to know before you dive in. Here’s one biggie – realizing that refinancing can be costly. "You have to pay for many of the same things you’d be responsible for if you were taking out a brand-new mortgage (which, in fact, you are), including closing costs, an application fee, an appraisal and a title search," writes Melanie Brooks.
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What’s Spookier Than Ghosts? Not Having A Financial Plan
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What’s scarier than a haunted house? Not having a financial plan.
FinanceFixx has two ways to get your money in order:
👻 6-Week Pre-Retirement Checkup (begins November 4): Do you ever ask, "How much money should I have for retirement?" If you’re 10 years from retirement or less and you don’t know if you’re on track to afford it, it’s time for a check-up.
👻 4-Week Boot Camp (begins November 11): If you’re feeling out of control with your money, we’ll help you flip the script. Within just days, you’ll be spending less, saving more and on a sustainable path to reach your goals.
Created by Jean Chatzky, the FinanceFixx methodology has been featured on Oprah, Today and PBS’s Opportunity Knocks. It offers small group support, one-on-one coaching and real results. 96% of graduates recommend it, and many see a 3x return on their investment.
🎃 SPECIAL OFFER: Get 25% off your registration with code FALL25 🎃
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Things That Save You Money
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💚 Your Morning Routine, Simplified
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We all want to start our day feeling healthy and grounded… but between email pings, squeezing in a workout and an endless to-do list, "balanced nutrition" doesn’t always make the cut.
That’s why we love AG1 — a simple daily micro-habit that can help you fill nutritional gaps, support gut health, and give your body what it needs to thrive. Just one scoop, and you’re done. AG1’s Next Gen formula includes 75+ vitamins, minerals, and five probiotic strains — replacing the need for a multivitamin and probiotic in one go. It’s clinically shown to support gut health and help you feel your best from the inside out.
We love AG1 so much, HerMoney readers can get a special FREE Welcome Kit, including a bottle of Vitamin D and free AG1 Travel Packs when you first subscribe. Try it for yourself this week for whole-body support that actually fits your life!
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Abercrombie’s Back In Style…But Is Its Stock?
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Abercrombie and Fitch (A&F) is having a major comeback moment – but is it a buy? A&F is one of four contenders we’re eyeing for our InvestingFixx portfolio, which continues to outperform the S&P 500.
Karen Finerman – co-host of InvestingFixx and a panelist on CNBC’s Fast Money – pitched the stock (which, btw, she owns), noting the positives of A&F’s brand glow-up but expressing a little wariness about how exposed it is to consumer spending ups and downs.
Want to see what other stocks we’re weighing – and help decide which one makes the cut to join our portfolio? Join the InvestingFixx crew here.
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Meet The CEO Bringing Bluey To Life Beyond The Screen
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Bluey, Bingo, Bandit and Chilli – the adorable animated Aussie dog family have taken the world by storm. Bluey was the most-streamed show in the U.S. for 18 months across 2024 and early 2025, racking up 80 billion minutes watched. Nicki Sheard, CEO of BBC Studios’ Brands & Licensing, brings the magic beyond the screen, from toys and games to clothing – and even a theme park debut in 2026.
As Sheard tells Karen Finerman on How She Does It, her journey to Bluey was anything but linear. From studying fruit flies at Harvard to helping make Candy Crush a success, she’s built a career on following her instincts.
At BBC Studios, she immediately championed Bluey, seeing its potential to capture the real emotions of family life. "You simultaneously want to sort of hug and yell at your kids at the same time," she shares. "And I think what Bluey does is it leans right into that family emotion."
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Ask Jean
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Today’s question comes from Ann. She writes: I’m looking for a good tax accountant. Where’s the best place to start my search?
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Just like finding a good financial advisor, one of the best places to start your search is by asking friends and family members for recommendations. Personal referrals are often the best way to find someone who is reliable and skilled.
Beyond that, there are a few other spots you could search for the help you’re looking for:
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A few tips to make sure you end up with the right fit – verify their credentials, check fees up front and ask if they’re available beyond tax season, because tax questions aren’t always just limited to April.
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Submit your questions to Jean here.
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More For You To ♥
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👗 Imagine the compliments when you say, "Oh, it’s rented." (And imagine the savings!) Sign up here for up to 60% off your first month of membership at Armoire + two free bonus items!
😣 If you’re staring down $10,000 or more in back taxes, getting help early can make a big difference. A licensed tax professional can help you sort out payments, penalties and other solutions so you can move forward. Learn more here.
☎️ Ring ring. It’s your "future self" calling – she wants to talk about your money. Carl Richards, CFP and creator of the beloved Sketch Guy column, joins The HerMoney Podcast to explain why this might be the most important money convo to have.
🩰 Trailblazing ballerina Misty Copeland – the first Black principal dancer at the American Ballet Theatre – took her final bow last week, marking the end of a remarkable 25-year career. Hear more about her groundbreaking journey on this episode of How She Does It.
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We maintain a strict editorial policy and a judgment-free zone for our community. We strive to remain transparent in everything we do. Website posts and newsletters may contain advertisements, links and mentions of products from our partners. Learn more about how we make money.
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*This is a sponsored post
Annuities are long-term retirement vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses, or to fund short-term savings goals. FastBreakâ„¢ is issued by Gainbridge Life Insurance Company, a Delaware-domiciled insurance company with its principal office in Zionsville, Indiana and is licensed and authorized to do business in 49 states (all states except New York) and the District of Columbia. Products and/or features may not be available in all states. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
NOT FDIC/NCUA INSURED | MAY LOSE VALUE | NO BANK/CREDIT UNION GUARANTEE | NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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