Finding love with three digits
| |  | | June 18, 2025 | | | | | | | | | | Editor's Note: We'll be off on Friday in honor of Juneteenth. On the Money will be back in your inbox on Monday. | | | | | | | | Build a Strong Credit Score – And Maybe Find Love | By Helen Reis
They check all your boxes, but would they pass a credit check? In the world of modern dating, financial responsibility is becoming a new kind of compatibility test. Here's why your credit habits could matter more than ever — and what you should know. | | | | | | | | | | Houses Are Expensive. Can Your Choice of Mortgage Help? | | | By Keith Wagstaff
Even though most homeowners don't keep their home for 30 years, the 30-year fixed-rate mortgage has dominated the U.S. home loan market for more than half a century. It's the mortgage of choice for nearly 90% buyers because it insulates them from inflation and changing interest rates, creating a relatively affordable monthly payment they can count on year in and year out.
But with real estate prices so high and mortgage rates stuck well above pandemic lows, should you look at other options? | | | | | | | | | | 68% | That's how many young people and their parents would rather talk about sensitive topics like their sex life than debt, according to a new SoFi survey on paying for college.
The stigma surrounding debt has escalated among Gen Zs, who have seen how student loans impacted previous generations. It's no longer a given that student debt will be a part of paying for college, especially as affordability takes center stage, SoFi found. Getting creative and bootstrapping a college degree can include crowdfunding, YouTubing, or investing in crypto.
Find all the survey results, plus expert insights and guidance, in the "Cost of Admission 2025" report. | | | | | |  | | JPMorgan studied the spending patterns of 5 million retirees and made some interesting discoveries. Here's why you may not need as much in retirement as you think you will. (Moneywise via Yahoo Finance) | | | | | | | | | | | Intel, insights, and inspo for your money. | | On the Money cuts through the noise of day‑to‑day financial news to bring you a more thoughtful point of view on what's important in this moment — and how it impacts your bottom line. We value your trust above all. | | | | | | | | | | Did you find today's newsletter valuable? | | | | |
| | | | INVESTMENTS ARE NOT FDIC INSURED ‑ ARE NOT BANK GUARANTEED ‑ MAY LOSE VALUE | | SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.'s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi's Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings. You must confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the "Processing Agent") data.
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