| |  | | March 27, 2026 | | | | | | | | Is It Time for Revenge Saving 2.0? | | | By Dawn Papandrea
The war in the Middle East is doing more than dominating the headlines — it's changing the U.S. economic outlook too. With gas prices and airfare already on the rise, inflation is suddenly a major threat again, and it doesn't look like benchmark interest rates will drop anytime soon either. But let's not overlook an important silver lining: When borrowing costs stay high, so do the yields on our savings. | | | | | | | | |   | | How the War Affects Consumers | The effect on U.S. consumers extends far beyond higher gas prices and airfare. The largest oil supply shock in history, the increased uncertainty and market volatility, and the threat of higher inflation at large are giving people the jitters. Call it a vibe, call it the feels. It's real, and it drives the way people spend money.
At some point, tension will deescalate and oil prices will fall. The real concern is how long this lasts and how much of an impact it will have on consumer behavior. In an economy whose lifeblood is consumer spending, the potential effects cannot be overstated. | | | | | | | | | | Coins or Crypto ETF? How to Choose If You're Buying the Dip | | | By Justin Jaffe
Crypto's latest downturn could have you eyeing the classic "buy the dip" strategy. But if you go that route, should you buy the coins themselves or an ETF? It depends on whether you're a true believer or just trying to keep it as simple as possible. | | | | | | | | | | | Informed investment decisions start with informed investors. Here's what's making headlines:
📱 In a landmark verdict on social media addiction, a Los Angeles county jury found that Meta (META) and Google's Youtube (GOOG) were negligent in failing to warn users of the dangers of their social media platforms. The trial was the first in a group of cases brought by more than 350 families and 250 school districts. (NBC News)
🚀 With Elon Musk's SpaceX preparing for a stock market debut at a valuation near $1.75 trillion, investors need a new word for hot IPO. The intense interest in the spacecraft company even pushed some early investors to use private-share arrangements that are so complex their ownership is hard to verify. (Reuters via Yahoo Finance)
🧪 In its third multibillion-dollar acquisition in the past year, pharma giant Merck (MRK) said it will buy U.S. biotech firm Terns Pharmaceuticals (TERN) for $6.7 billion. Merck is looking to bulk up its portfolio of cancer drugs before Keytruda loses key patent protection in 2028. (CNBC) | | | | | | |  | | This is not the tax season to draw unwanted attention to yourself. Here's how to avoid it. (The Wall Street Journal) | | | | | | | | | | | 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? | | | | |
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SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
1New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/2026. Full terms at sofi.com/banking.
SoFi Plus members can earn up to 4.00% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.30% (rate current as of 12/23/2025). Rates are variable and subject to change.
SoFi Boost APY Promotion Terms
The following terms and conditions (the "Terms") apply to the SoFi APY Boost Promotion (the "Promotion"), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield ("APY") boost to the APY earned on one SoFi Savings account (the "0.70% APY Boost") for up to six months by completing the required actions described below. If you have already received this Boost on one account, you are not eligible to receive the 0.70% APY Boost on a subsequent account.
Promotion Period: August 5, 2025 at 12:00 a.m. E.T. - March 30, 2026 at 11:59 p.m. E.T.
Who is eligible for the Promotion?
Members who are new to SoFi Checking and Savings AND who have not previously enrolled in SoFi Plus as of 8/5/25 are eligible for this promotion ("Eligible Members"). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost.
What qualifying activities do I need to complete to earn the 0.70% APY Boost?
In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.
Option 1
Open a new SoFi Checking and Savings account between 8/5/2025 and 3/30/2026;
AND
Complete one of the following activities within 60 days after opening your SoFi Checking and Savings account:
Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee; OR Receive an Eligible Direct Deposit into your SoFi Checking and Savings account;
OR
Receive $5,000 in Qualifying Deposits into your SoFi Checking and Savings account; AND pay the SoFi Plus Subscription Fee every 30 calendar days, or receive an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 calendar days for a period of six months.
Option 2
Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 3/30/2026; AND
Open a new SoFi Checking and Savings account by 3/30/2026; AND
Maintain your SoFi Plus Subscription Fee for a period of six months.
When will I begin earning the 0.70% APY Boost?
Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you set up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.
Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70%% APY Boost from the date you contact SoFi.
How long will I earn the 0.70% APY Boost?
You will continue to receive the 0.70% APY Boost for a period of up to six months (the "Boost Period"), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.
During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.
Additional Important Terms:
Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates.
Promotion is non-transferable and limited to one 0.70% APY Boost per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost.
SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.
Standard rates are variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet.
| INVESTMENTS AND DIGITAL ASSETS ARE NOT FDIC INSURED ‑ ARE NOT BANK GUARANTEED ‑ MAY LOSE VALUE |
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Advisory services are offered through SoFi Wealth LLC, an SEC-registered investment adviser. Information as of March 2026 and is subject to change. Screen images simulated. [3769983]
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