Adam Hardy

Saint Petersburg

Personal Finance and Data Journalist at Money

personal finance & data journo @Money • coffee snob • vegan • recipient of Money's coveted Slackies® Best Slack of the Year℠ award for 2023 🏆😤

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Articles

This 401(k) Change Could Help 3 Million More Americans Afford Retirement

1 week ago | money.com | Adam Hardy |Katherine Peach

For many workers, saving for retirement is a chore, given how complex managing workplace plans can be. However, new research shows that automating key administrative aspects of the process could have life-changing benefits for millions of Americans. By streamlining 401(k)s, the share of account holders who can afford to retire jumps from 62.8% to 67.6%, a recent analysis from the nonprofit Employee Benefits Research Institute, or EBRI, finds.
'No Place to Hide': Where and When Trump's Tariffs Will Hit Your Wallet

2 weeks ago | money.com | Adam Hardy |Julia Glum

President Donald Trump unveiled sweeping tariffs last week aimed at narrowing the trade deficits between the U.S. and its trade partners. The taxes on imported goods are expected to have major ramifications for the economy — and your wallet.
Buy Now, Pay Later Loans Can Now Appear on Your Credit Report

3 weeks ago | money.com | Adam Hardy |Katherine Peach

Buy now, pay later (BNPL) loans can now show up on your credit report. On Tuesday, BNPL lender Affirm began sending information on all its short-term lending products — including its increasingly popular “Pay in 4” BNPL loan — to the credit bureau Experian. That same day, TransUnion, another major credit bureau, said it is also receiving BNPL payment information from lenders.
Home Insurance Price Hikes Are Far Outpacing Inflation. Here's Where Premiums Cost the Most

3 weeks ago | money.com | Adam Hardy |Julia Glum

In recent years, homeowners insurance prices have risen far faster than inflation, with the national average premium for a typical policy reaching a staggering $3,303 in 2024. From 2021 to 2024, home insurance costs increased an average of 24%, according to an analysis of insurance pricing data released Tuesday by the nonprofit Consumer Federation of America, or CFA. Nationally, it amounts to a $21 billion price hike across the board, with premiums rising at nearly double the rate of inflation.
Most Americans Think College Prices Are Unfair

1 month ago | money.com | Adam Hardy |Kaitlin Mulhere

Few Americans say college degrees are priced fairly these days, a new study shows, and the increasing cost of attendance continues to keep many high school graduates from continuing their education. Only 18% of Americans who haven't earned a degree say that four-year colleges charge fair prices, according to the annual State of Higher Education Study released this week by Gallup and Lumina, a higher education nonprofit foundation.
Social Security Is Ending Phone Applications. Millions of Americans May Now Need to Apply in Person

1 month ago | money.com | Adam Hardy |Katherine Peach

The Social Security Administration is ending a decades-long service that allowed people to apply for benefits over the phone — a move that, by the agency’s own estimate, would force millions of Americans to have to apply in person at a field office. The agency announced Tuesday that, starting March 31, Social Security applicants will need to verify their identities using online ID-verification software before receiving benefits.
The Great Stay: Why Switching Jobs No Longer Pays Off in 2025

1 month ago | money.com | Adam Hardy |Katherine Peach

Switching jobs is no longer the moneymaking career move it once was. In February, annual wage growth for people who switched jobs actually fell behind those who stayed in their current roles, according to the Federal Reserve Bank of Atlanta’s wage growth tracker. Job switchers saw their wages go up by 4.2%, while wages for so-called job stayers jumped 4.4%. “This advantage has vanished,” Sofia Baig, an economist at Morning Consult, says in an email.
Farewell, Free Bags: Soon, Every U.S. Airline Will Charge You to Check Luggage

1 month ago | money.com | Adam Hardy |Katherine Peach

It’s the end of an era. Southwest Airlines, which has not charged passengers for their first two checked bags since its founding nearly six decades ago, said on Tuesday that it will roll out a schedule of luggage fees for flights booked on May 28 and after. The end of the beloved free-baggage policy is part of a spate of changes aimed at helping the airline “return to levels of profitability that both we and our shareholders expect,” Southwest CEO Bob Jordan said in an announcement.
Farewell, Free Bags: Soon, Every U.S. Airline Will Charge You to Check Luggage

1 month ago | flipboard.com | Adam Hardy

7 hours agoA Florida-bound flight had to turn around to Georgia on Monday evening after a passenger attacked two flight attendants, and his travel companion sister justified his actions by saying, "He hurts evil." Delange Augustin, 31, faces a charge of interference with flight crew members, according to an …
Workers Are Losing Over $4 Billion in Unspent FSA Money a Year

1 month ago | money.com | Adam Hardy |Julia Glum

When Pamela Herd enrolled in a medical flexible spending account through her employer in 2024, she tried, as reasonably as she could, to forecast her family’s out-of-pocket health care costs for the upcoming year. Herd, a social policy professor at the University of Michigan, was certain she would have a handful of expenses: Her daughter has a heart condition that requires a lot of trips to her pediatrician.