The end of the year has a way of sneaking up on us. One minute it’s still light out at dinner, and the next you’re juggling calendars, travel plans, family traditions, and a growing sense that the year somehow went faster than expected. That’s usually our cue to pause. As 2025 comes to a close, we want to take a moment to wish you and your family a happy, healthy holiday season—and to say thank you for trusting us with something deeply personal: your financial life. A Year Th

Most people don’t overspend during the holidays because they’re careless. It usually happens because the season moves faster than we do. One minute you’re feeling organized… and the next, you’re looking at a growing pile of receipts wondering, “How did we get here already?” If you’ve ever opened your January statement with a little knot in your stomach, that reaction is incredibly common. The holidays stir up emotion, expectation, and a lot of tiny decisions that add up befor

Gemini 3 Arrives—Right as America’s AI Spending Hits Historic Levels If you’ve seen the headlines about Google’s new AI model, Gemini 3 , you’ve probably noticed something unusual: people aren’t just calling this an “update.” They’re calling it a shift —a meaningful step toward AI tools that feel less like chatbots and more like capable digital assistants. Strong reactions to Gemini 3 aren’t happening in a vacuum. They coincide with an extraordinary wave of AI spending in the

Why Costs Feel So High—and Why You’re Not Imagining It If you’ve felt like your dollars don’t stretch the way they used to, there’s a reason. Housing, healthcare, childcare, groceries, insurance premiums—many of the core expenses families rely on have been rising faster than incomes for several years. Even households with strong earnings are asking the same question: Why does it feel so much harder to get ahead? What’s happening isn’t just inflation; it’s a full recalibration

What Is a Portable Mortgage—and Why Is Everyone Talking About It in 2025? If you’ve heard the phrase portable mortgages 2025  floating around lately, there’s a reason. A portable mortgage is a home loan you can take with you  when you move. Instead of paying off your existing loan—and potentially losing a great interest rate—you’d transfer that same rate and remaining term to your next home. It’s getting attention because millions of Americans are sitting on ultra-low mortgag