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zubonttawilepzuzus
3 days ago
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Social Security benefits are a critical income source for most older Americans. In fact, 67% of older adults (1) aged 65 get over half their income from their benefits. That's why it's so important not to do anything that could inadvertently reduce the amount you collect.
Unfortunately, when planning your retirement, you may make a move that costs you some of this money without even knowing it. Specifically, choosing to spend your retirement in one of the following eight U.S. states means that you risk losing a percentage of your benefits every year.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#finance #security #americans
153dig
3 days ago
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Long before Donald Trump entered the White House, he had a pitch for Bill Clinton — and Clinton warned him that ordinary Americans could end up footing the bill.
At a campaign rally in Tupelo, Mississippi, on Oct. 30, Clinton recalled a time when the two were on friendlier terms.
The tax breaks in Trump's 'big beautiful bill' expire after 2028. Here are 4 moves to make before the window closes
A record 45% of central banks plan to grow gold reserves — and many investors are following suit. Get your free gold IRA guide from Priority Gold

#donald
2ovamodule
4 days ago
In the three decades since red carpets have become synonymous with Hollywood couture, celebrity stylists have outpaced fashion editors, models, moguls and, more recently, content creators as the true arbiters of the town's taste. No one else has the number of media impressions that top Hollywood stylists do, with many of them pulling in millions of followers. Of course, Beyoncé, Rihanna and Taylor Swift have 500 million-plus Instagram fans each, but much of the engagement is driven by what their stylists are putting on their backs.
That's why, as this year winds down, THR reached out to the many pros who've now achieved fame in their own right for dressing the most visible personages in the world. What did we learn? The newish Parisian design duo behind Matières Fécales — Hannah Rose Dalton and Steven Raj Bhaskaran — have captured stylists' hearts the most, while Matthieu Blazy's Chanel, Jonathan Anderson's Dior and Anthony Vaccarello's Saint Laurent also number among Hollywood's favorite designers. Feathers still are flying on red carpet fits for all genders. The sheer look continues to show off, but cutouts and two-piece looks are taking over the body-part wars. Lace, lingerie and leather are now completely red carpet-worthy. Slinky close fits and strong tailoring are forever. And so, apparently, is fashion's idolization of Zendaya. We could have easily included three or more of her looks, but to keep the list varied and fun, we chose only one top fit per actor or actress. The methodology behind the list included tabulating the top 10 looks chosen by 50-plus stylists, prioritizing by the number of votes each look received, and then, to break ties, bringing in rankings. The result: a realistic look at coming trends and which designers and designs rank the highest for Hollywood, by the world's top tastemakers.
More from The Hollywood Reporter
Comedy Trio Please Don't Destroy Take Their Act to J.Crew for New Suiting Campaign
European Producers Must Get Bigger to Compete, Says EU Policy Chief: "We Must Invest in Companies"

#hollywood #stylists #look #plus
grindjkc
4 days ago
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Despite the ongoing affordability and cost-of-living crisis, Americans are trying to save as much money as possible for retirement. According to Fidelity's latest report, (1) the average savings rate for a 401(k) participant hit a record high of 14.4% (employee and employer contributions combined) in the second quarter of 2026.
Despite this ferocious pace of savings, many older Americans are anxious about their retirement prospects. In fact, 75% of pre-retirees over the age of 50 told F&G Annuities & Life (2) they were considering or had already delayed their retirement as of 2026.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#Retirement #savings #according #life
nearly5384
4 days ago
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For years, the conventional wisdom was that once you enter the six-figure club, your net worth explodes. This theory was first suggested by the late Charlie Munger, a billionaire and longtime friend and business partner of Warren Buffett.
"The hard part of the process for most people is the first $100,000," he said during Berkshire Hathaway's 1999 shareholders meeting (1). "You have a standing start at $0, getting to $100,000 is a long struggle."
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#buffett #bezos
glid2compass
4 days ago
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Not too long ago, a six-figure salary and a seven-figure net worth would be sufficient for a family to consider themselves "rich."
But as we enter 2027, that's simply not the case.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#bezos
vcTlD
4 days ago
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.
Long before Donald Trump entered the White House, he had a pitch for Bill Clinton — and Clinton warned him that ordinary Americans could end up footing the bill.
At a campaign rally in Tupelo, Mississippi, on Oct. 30, Clinton recalled a time when the two were on friendlier terms.
The tax breaks in Trump's 'big beautiful bill' expire after 2028. Here are 4 moves to make before the window closes
A record 45% of central banks plan to grow gold reserves — and many investors are following suit. Get your free gold IRA guide from Priority Gold

#long
codez
8 days ago
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Feeling wealthy in retirement is often just that — a feeling. Having an active social life, a solid purpose and enough cash in the bank to never worry about monthly bills might be all you need to describe yourself as a "rich" retiree.
Feelings aside, what do the cold, hard numbers show? Most Americans agree you need at least $2.2 million (1) to be considered wealthy in America. But they might be surprised to see that you actually need considerably more than that to land in the top 10% of U.S. retirees.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#need #actually #moneywise #feelings
kmzwolm_xavyuzu
8 days ago
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Washington has a way of making the economy feel good. But Jamie Dimon wants Americans to look at what's fueling the high.
Speaking at the Economic Club of Chicago earlier this month, the CEO of JPMorgan Chase (NYSE: JPM) compared government spending to a powerful drug — one that can boost corporate profits while setting the stage for a painful aftermath.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#moneywise #finance
brickrlz
9 days ago
Speculation surrounding the long-term future of Ronald Araujo has intensified as his representative finally addressed the defender's mindset at Anfield. The Uruguayan international remains a central figure for the Premier League leaders despite persistent links to a continental exit.
The representative for Araujo has sought to clarify the Liverpool defender's current status following a wave of reports suggesting a potential move away from the Premier League. As one of the most consistent performers in the English top flight, Araujo has become a cornerstone of the defensive unit, leading to inevitable interest from across Europe's elite clubs looking to bolster their backlines.
However, despite the noise surrounding a possible departure, the message from his camp remains one of stability and contentment. His agent, Eduardo Crnjar, spoke about the player's current situation and how he feels about his surroundings in the North West of England. "Ronald is performing well , we're very happy with what he's offering, but it's still too early to talk about his future. He feels great, he's happy to be playing for Liverpool and helping the club and his teammates, as he's already said," Crnjar told WinWin Sports, as quoted by SPORT.
While the agent's comments provide some breathing room for the club, the broader context of the transfer market continues to loom over the situation. Several teams have been monitoring the Uruguayan's progress, aware that a defender of his calibre and age profile is a rare commodity in the modern game, especially given his proven track record in both La Liga and the Premier League.
The mention of a €55m valuation has frequently appeared in discussions regarding a potential transfer fee, a figure that many consider to be a bargain for a player of his international standing. Liverpool, however, would likely demand a significantly higher sum to even consider entering negotiations for a player who still has his best years ahead of him at the highest level of European football.

#future
table11
9 days ago
Arsenal are preparing to launch negotiations over an extended deal for first-choice goalkeeper David Raya despite the Spaniard recently admitting he would like to play in his homeland one day. Meanwhile, neither Barcelona nor Real Madrid are expected to make an imminent move for the 31-year-old shot-stopper in upcoming transfer windows.
According to Football Insider, the north London hierarchy want to tie their Spanish custodian down beyond his current 2028 expiration date to fend off any future interest from La Liga. Speculation linking him with Spain's two biggest clubs emerged after he told Spanish media last week that he hopes to play in his native top flight eventually. However, the goalkeeper insisted in the same interview that he remains content at the Emirates Stadium.
Having silenced initial sceptics following his move from Brentford to establish himself as the Premier League's standout goalkeeper in recent seasons, Raya registered his fifth clean sheet in eight top-flight outings against Everton last weekend before narrowly losing out on Monday's Yashin Trophy to international team-mate Unai Simon.
Explaining why a switch to Spain is unlikely soon on the Transfer Insider podcast, journalist Pete O'Rourke said: "If he were to leave ******* nal, there's no immediate opening for one of the big boys in Spain right now as well. Barcelona have got Joan Garcia, and it looks like Courtois is going to sign a new contract at Real Madrid as well, so I don't see any opening for David Raya right now.
"The player is happy at ******* nal, and obviously ******* nal are very happy with him, so I think any potential move back to his native Spain will be probably on the back burner for a while just yet."

#spain #insider
bounce41
9 days ago
Manchester United. More a high-volume content farm than a football club these days.
Michael Carrick's starring role in what has become one of the nation's favourite soap operas has been extended for at least another week, with the 45-year-old set to be in charge for Saturday's visit to Chelsea.
Good news - you'd think - for Carrick. But even better news for Amazon's All or Nothing camera crews, who have been given "unprecedented" access to document the behind-the-scenes goings-on at Old Trafford this season.
United fans will presumably be relieved when the football resumes on Saturday, if only to break up the constant stream of opinion for 90 minutes.
But while the wall-to-wall reporting of one of the world's biggest football clubs is hardly new, the unrelenting coverage from former players is a growing phenomenon.

#michael #trafford
ltrcfnk
10 days ago
I'm a fan of David Samson. The former Marlins executive turned host at Meadowlark Media speaks candidly, and usually supports his positions with solid evidence. He's been gracious with his time to our writers over the years. His prior conversations with Pablo Torre and John Skipper on The Sporting Class always made me think. Whether Marlins and Expos fans like him or his opinions are right more than wrong doesn't change my position.
But earlier this week, David stepped on a landmine. He declared that we don't need baseball on the radio anymore. David said, "We all live by the clock that is kernels of sand through an hourglass. So, radio will go the way of Kodak and Blockbuster. It doesn't mean the voices will go away. The voices will find a different way to get into your brain because you have a different way of engaging with content."
In my opinion, David couldn't be more wrong. The response to those remarks has been huge across social media. Most feel similar to yours truly. I respect David's knowledge of the baseball business. He ran the Miami Marlins for 15 years. He spent a few years with the Expos too. He's been a part of media deals on the team's side pointing out that teams "buy a block of time, and then go out and sell ads." Some clubs do that. But most big brands don't. Let's examine the issue a little deeper.
Reach matters in today's media climate. Nielsen data shows AM/FM radio reaches 87% of U.S. adults every week. Those numbers aren't from 10-15 years ago. They are from the first quarter of 2026. That beat smartphones at 82%, TV-connected devices at 78% and live TV at 71%. Even among adults 18-34, radio reaches 81%.
Is radio's revenue down from its peak? Yes. The industry produced over 21 billion in 2006. BIA projects local radio will earn $12.2 billion in 2026. That's still a lot of money even if it's less than what existed 20 years ago. Still, Samson said there is no money in radio. Twelve billion Benjamin's suggests otherwise.

#still
DeltaglIDe
10 days ago
The postseason has officially arrived for high school cross-country runners throughout the state of Oregon.
As is often the case, there are a handful of standout runners and teams from the Eugene-Springfield area who will be in contention for league and state ***** les in their respective classifications.
Here is a look at how local athletes and schools fared during OSAA cross-country district week. The state championship meet is set for Nov. 7 at Lane Community College.
When: Oct. 29
Where: Colver Sports Fields, Talent

#here
4nyv4rmpr
10 days ago
Layne Riggs remained firmly in NASCAR Craftsman Truck Series championship contention Friday, finishing eighth in the Love's RV Stop 225 at Talladega Superspeedway. The Front Row Motorsports driver started ninth, led six laps and competed near the front throughout much of the afternoon. Riggs demonstrated impressive speed early, finishing fifth in Stage 1 before improving to second in Stage 2.
His No. 34 Ford continued running among the leaders during the final stage, allowing him to challenge Kaden Honeycutt and several other championship contenders. Riggs appeared positioned for a potential victory when he restarted on the outside of the front row alongside Sammy Smith in overtime.
He received a push from Honeycutt, but the outside lane struggled to maintain momentum against the inside line. As Ty Majeski moved ahead of Riggs, Honeycutt eventually found an opportunity to pass his championship rival. Riggs slipped backward during the final-lap battle and finished eighth, earning 44 points through his finishing position and stage performances.
He remains second in the NASCAR Craftsman Truck Series Chase standings with 2,328 points. However, Riggs now trails Honeycutt by 43 points with only Martinsville and Homestead-Miami remaining. Riggs will need to outscore his rival significantly to keep his championship hopes alive.
This article originally appeared on Motorsports Wire: Layne Riggs needs major run at Martinsville for 2026 Chase standings

#championship #points #nascar #craftsman
W3lDlYLYnx
10 days ago
The fallout from Kylian Mbappé's comments about a meme depicting Mao Zedong has extended into football video games in China, while the creator of the original montage has spoken about the reaction. On the pitch, Madrid continued preparing for Sunday's visit to Racing Santander, with Arda Güler and Fede Valverde following individual programs. Carlo Ancelotti also announced his latest Brazil squad, calling up Vinícius Júnior and Endrick but leaving Éder Militão out.
The commercial consequences of Mbappé's remarks now include measures affecting Chinese versions of FC Online and Konami's eFootball-related ******* les. Reports citing announcements on the games' local channels describe the removal of promotional material and restrictions on content featuring the Madrid forward.
FC Online said it had begun removing Mbappé-related content from external channels and would implement further changes through an update. The Chinese versions of the Konami ******* les also announced measures covering promotion of the player and the characters or cards ******* ociated with him. The reported action concerns the Chinese editions, rather than a worldwide removal from the franchises.
The measures follow the termination of Mbappé's partnerships with Dongpeng, Mengniu and Milkground, alongside China Media Group's suspension of LaLiga broadcasts and other programming involving the player.
Real Madrid's apology has not ended scrutiny of the club's handling of the controversy. Chinese state-linked outlets and official platforms have questioned the timing of its response and called for measures beyond a public statement. Mbappé apologized on October 27, with Madrid issuing its own apology on October 28.

#announced
OuZsUa6X6k29
10 days ago
Here are live updates from the High Desert for Week 11 of high school football. Be sure to follow along for changes throughout the night.
Stream California football games live on NFHS Network
This article originally appeared on Victorville Daily Press: Live updates: High Desert Week 11 high school football scoreboard
Our editors independently choose our recommendations. Some content is produced with paid support from a third party, however our editorial decisions remain independent. If you buy through our links, the USA TODAY Network may earn a commission. Prices and availability may change.

#high #live #network #school
69uRREzyVnbvD8
10 days ago
Here are live updates from the Pueblo area for Week 11 of high school football. Be sure to follow along for changes throughout the night.
Stream Colorado football games live on NFHS Network
This article originally appeared on The Pueblo Chieftain: Live updates: Pueblo area Week 11 high school football scoreboard
Our editors independently choose our recommendations. Some content is produced with paid support from a third party, however our editorial decisions remain independent. If you buy through our links, the USA TODAY Network may earn a commission. Prices and availability may change.

#pueblo
tuvidashukve050
13 days ago
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Charles Barkley says some of the best money advice he ever got came from Michael Jordan on a golf course.
The Hall of Famer recalled the moment Jordan pulled him aside while playing golf in the early 1990s. On The Dan Patrick Show in June 2025, Barkley said he was making about $3 million a year from his Nike endorsement deal at the time.
"We were playing golf and he says, 'Chuck, I was talking to somebody, I want you to quit taking $3 million. Take $1 million and take the other $2 million in stock options,'" Barkley said.

#million
xyhdiggadgetdrift
13 days ago
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Worried you might be weighed down with a parent's debts or expenses after they die? You might not need to worry.
As it turns out, you may have limited obligations to pay your parents' debts if they die (or to take on their expenses if they're still alive). And, if you're a parent, there are steps you can take to prevent your adult children from taking on your debts, if you were to die.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#might #expenses #worried #bezos
kmzwolm_xavyuzu
13 days ago
Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.
Gold just gained something more valuable than another bullish forecast: a voice inside the U.S. Department of the Treasury.
With America's national debt above $40 trillion (1), Secretary of the Treasury Scott Bessent has brought in an economist whose ideas could change what Washington offers investors in exchange for their money.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#moneywise #finance #washington
vycyxKxeFuN1
13 days ago
The attorney general took part in at-times contentious interviews on both CNN and CBS.
“But the real wrong here is that Alaskans are going to be confused and will not have their vote heard," Todd Blanche said. | Alex Brandon/AP
10/26/2026 12:58 AM GMT+9

#todd #blanche #Attorney
suaqhpnghual
20 days ago
J.J. McCarthy has given New York Giants head coach John Harbaugh plenty to consider after an encouraging display off the bench in their 34-27 defeat to the New Orleans Saints.
The quarterback replaced Jameis Winston in the second half and helped the Giants fight back from a 24-point deficit. Although New York fell short, McCarthy's performance could put him in contention to start their next game.
The former first-round pick completed 11 of his 21 pass attempts for 243 yards, one touchdown and one interception, offering a bright spot in a difficult afternoon for the Giants.
McCarthy also made sure to acknowledge the support he received from New York's fanbase, despite the disappointing result.
Speaking to reporters after the game, the quarterback said: "I'm just extremely honored to be a part of the New York Football Giants, because this fanbase is unbelievable.

#Giants #fanbase #john #harbaugh
ydtd52lr
20 days ago
When Kawhi Leonard became a Toronto Raptor for the first time in the summer of 2018, he looked shellshocked. "There's just more questions you have to ask me in order for me to tell you about myself," he said, introducing himself to an organization and city he reportedly had no interest in joining.
Leonard had fallen out with his former team, the San Antonio Spurs – one of the most respected franchises in professional sports – due to differences in opinion about an injury that had limited him to just nine games in the 2017-18 season. The Los Angeles native had hoped to end up in southern California, but instead the Raptors risked it all by swapping franchise cornerstone DeMar DeRozan for one year of an injured, malcontent Leonard. It worked: Leonard led the Raptors to their maiden championship on the back of a historic playoff run, averaging 30.5 points, 9.1 rebounds, 3.9 **** ists and 1.7 steals en route. Leonard won his second finals MVP to go alongside the one he had claimed with the Spurs when he helped them to the **** le in 2014.
Related: LeBron James is everything Philadelphia wants. And everything it can't stand | Bryan Armen Graham
"The narrative of not wanting to come to this city is gone," the team's president, Masai Ujiri, said at that 2018 press conference, speaking to insecure Raptors fans who had watched American players like Vince Carter, Tracy McGrady, and Chris Bosh leave Toronto since the franchise opened its doors in 1995. "We should move past that. Believe in this city. Believe in yourselves … We are proud of who we are."
But even a historic season wasn't enough to convince Leonard to stay north of the border. After a long and contentious free-agency period managed by his uncle, Dennis Robertson, Leonard spurned the reigning champions in favor of his hometown Los Angeles Clippers. "There wasn't as much anger in 2019 as there was with Vince Carter or some of the other guys who left," says Bruce Arthur, who has covered Leonard since 2018 for the Toronto Star. "I think he was given a little bit of special dispensation because he was going home, because he had delivered a **** le, and because I never felt like there was ever a connection outside of Kawhi the basketball player, with Toronto."

#SPURS #vince #carter #believe
vxvzrqpvh
1 month ago
Ben Affleck made rare comments about his co-parenting relationship with ex Jennifer Garner
The Animals star recently chatted with Variety, where he opened up about his experience raising his three kids with The Five-Star Weekend star
Affleck told the outlet that he's content in his life right now, describing this era of his life as "really wonderful"
Ben Affleck made rare comments about his co-parenting relationship with ex Jennifer Garner.
The Animals star, 54, recently chatted with Variety, where he opened up about his experience raising his three kids, Violet, 20, Seraphina, 17, and Samuel, 14, with The Five-Star Weekend star, 54. Affleck told the outlet that he's content in his life right now, describing this era as "really wonderful."

#star
dusty7
1 month ago
Republican efforts to reduce national gas prices in the weeks before Election Day were derailed in the Senate by infighting among GOP lawmakers and members of the administration who could not agree on how to ease consumers’ pain at the pump.
The divisions within the Senate Republican conference over how to lower gas and diesel prices — even if temporarily — were driven primarily by geographic differences.
Senators from oil-refining states shot down proposals from farm-state senators to ban the export of diesel or to loosen restrictions on the sale of E15 gasoline with higher ethanol content.
“You’re talking about regional politics, and it gets bogged down in the politics of energy, and the fiefdoms around it,” said Ron Bonjean, a GOP strategist and former Senate leadership aide.
There were divisions that went beyond geography, too.

#republican
ZA_9h8BT8
1 month ago
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If you've been worried sick about higher prices, one of Wall Street's most-watched bulls has a message for you: relief may be on the way.
"I think the probabilities are really high. It's going to drop," Tom Lee, co-founder of Fundstrat Global Advisors, said of inflation in a Sept. 25 interview.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#finance #earn
xolobdagamokikuxidsi
1 month ago
One of Andrew Tate's accusers says he convinced her to move to Romania by telling her she would be able to decide whether she participated in webcam work. According to newly public extradition materials, she says that choice disappeared after she arrived.
The woman alleges that she began working 12-hour shifts while Tate, his brother Tristan Tate and others controlled conversations with paying customers and accepted money for ***** ual acts she says she had never agreed to perform. TMZ reported the specific allegations from court documents filed as Britain seeks to extradite the brothers from the United States.
She says she had set explicit boundaries around what she would and would not do but was pressured into acts outside those limits, including one degrading act involving a bed fixture that allegedly continued for about an hour. The woman described her overall experience as feeling like "sexual slavery." The allegations have not been proven in court.
U.K. investigators allege the brothers used romantic relationships to draw women to Romania before using financial control, intimidation and violence to exploit them through online ***** ual content. The brothers deny wrongdoing and are fighting extradition from federal custody in Miami.
According to the documents described by TMZ, the woman says Tate persuaded her to relocate to Romania in 2017. The woman says she that Tate, Tristan and other people involved in the operation controlled communications with customers.

#sexual #tristan #controlled
module047
1 month ago
Influencer Bridget Levine created a unique birthday cake using watermelon and whipped bone marrow for her baby daughter
Levine said she prioritizes nutrient-dense foods for her children, with no refined sugar or flour
The mom of two also uses food-based remedies, like bone marrow lollipops and boiled steak, for teething and mild symptoms
Influencer Bridget Levine doesn't do standard cakes when it comes to her children's birthdays.
The content creator and mom of two shares her motherhood journey on her Instagram, bridgetmlevine, and in a post shared in September, Levine revealed why she "refused" to make her youngest child a conventional cake, instead opting for one with just two ingredients.

#bridget #Instagram
1926bgkd
1 month ago
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The annual Social Security cost-of-living adjustment (COLA) can make or break the finances of retirees, as it determines how much benefits will increase to keep pace with inflation.
Since COLAs are very important to beneficiaries, advocacy groups make predictions throughout the year, offering insight into how much extra money (if any) Social Security recipients will collect in the coming year.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 — 6 ways to build wealth like a landlord without actually being one
A single line on your car insurance policy could be inflating your premium by up to 30% — here's what to change

#make #moneywise #since

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