| |  | | July 23, 2025 | | | | | | | | Big Changes Are Coming to Student Loans. Here's What to Know | By Ben Kesslen
Only two-plus years after a major push toward broad-based loan forgiveness and borrower subsidies, much of the federal student loan system is being redrawn again. And whether you already have student loans, plan to borrow money, or haven't yet contemplated how to pay for college, the reforms that were just passed could significantly change things for you and your family. Here's what's different — and what to do about it. | | | | | | | | | | The Risk of Not Investing Enough: Gauging Your Cash Holdings | | | By Rebecca Moretti
It's a question as old as financial markets: How safe should we play it? How much money should we hold in cash vs. invest in stocks, bonds, or other assets?
All investments come with risk. Returns are never guaranteed and there's always a chance you'll come out with less than you started with. For this reason, people who are more risk-averse might be inclined to hold on to most of their extra cash.
The thing is, there are also risks to not investing enough: You can miss opportunities to grow your wealth. Not to mention that money tends to lose value over time (thanks, inflation.)
"One important thing to understand about investing is the tradeoff between risk and reward: You cannot have one without the other," said Brian Walsh, a Certified Financial Planner® and SoFi's Head of Advice & Planning.
Unfortunately, there is no magic ratio of cash vs. investments that fits for every situation. It's a balancing act, and depends on many factors, including your appetite for risk, your current financial situation, your goals, and how long you're planning to be invested. Here are some key things to consider when deciding how to allocate your money. | | | | | | | | Your SoFi Toolkit | | Not sure how much risk you're comfortable taking? A high-yield savings account can at least help you keep up with inflation. SoFi offers an APY of up to 3.8%. | | | | | | | | | | | | Informed investment decisions start with informed insights. Here's what's making headlines:
🛻 Jeep and Dodge-maker Stellantis (STLA) said it expects to post a loss of 2.3 billion euros ($2.7 billion) in the first half of the year, partly because of U.S. tariffs. (CNBC)
🔋 Tesla (TSLA) is on deck to report earnings today, and analysts say it could be the EV icon's worst quarter in years, thanks to sliding sales and shrinking margins. (Quartz)
🥤 As demand for Pepsi drinks fizzles in the U.S., the soda giant (PEP) is leaning into health trends to win customers. The company, which previously announced its acquisition of popular prebiotic-drink startup Poppi, said this week it's introducing a prebiotic version of its namesake soda. (CNBC) | | | | | | | | | FIRE | | | | | FIRE stands for Financial Independence, Retire Early, and folks who count themselves as part of the movement prioritize extreme saving and investing with the goal of achieving one feat early: the freedom to never have to work again.
The concept — popularized by the 1992 best-seller Your Money or Your Life — has been gaining followers for decades, with devotees often setting their target retirement savings (aka their "FIRE number") at 25 times their annual expenses.
But one millennial who retired early recently told Business Insider she got bored six months in.
"The question shouldn't be: How can I retire early and finally live my life? The question should be: How can I build a life I don't want to retire from?" Rose Han said. | | | | | |  | | Economists say the Federal Reserve needs to maintain its independence from the White House so it can move quickly — without regard to politics — when there's a problem. (The Wall Street Journal via MSN) | | | | | | | | | | | 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 members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
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