Your Money: A money class for teens applying to college
A money class for teens, student loans in default and more.
Your Money
January 20, 2026

Hi everyone —

I wanted to let you in on a project I’m working on: A model curriculum for a high school personal finance class that’s all about college. Who pays what and why? How do you save, shop and borrow for this thing that can cost $400,000? What math can you do using data that colleges make public, and how can it tell you something useful about these places?

I’ve got a pretty good list of books in mind to excerpt. But I don’t have great videos, cool graphics, Ted talks that might be helpful and other short-form material. If you’ve got ideas, I’m all ears at yourmoney_newsletter@nytimes.com.

Thank you in advance, have a good week and enjoy the selection of money stories that we’ve run recently — including our take on Bilt, the most complicated rewards program we’ve ever seen.

In an illustration, a miniature shopping bag is dangled by a large hand.

No One’s Buying? Maybe Consumers Are Just ‘Choiceful,’ Executives Say.

A new way to characterize unenthusiastic consumers has overtaken earnings calls.

By Lora Kelley

A portrait of Rianka Dorsainvil, sitting on a navy blue velvet sofa.

How to Prevent Aging Parents and Relatives From Making Financial Mistakes

Getting family members to listen to you when you think they are headed down a dangerous financial path can be difficult. But there are preventive steps you can take.

By Paulette Perhach

Trump Said He’d Unleash the Economy in Year 1. Here’s How He Did.

As a candidate, President Trump pledged to boost the stock market, bring back manufacturing jobs and improve other elements of the economy. A year after his return to office, his record is mixed.

By Ben Casselman

A large pole in the middle of a remote construction site surrounded by building materials.

Trump and States Aim to Stop A.I. From Inflating Energy Bills

Demand from centers that power artificial intelligence has driven up electricity bills, frustrating consumers.

By Tony Romm

A white and teal airplane seen against a blue sky with snow-capped mountains. “WestJet” is visible on its side.

Economy Seats With Less Legroom? This Time, the Budget Move Won’t Fly.

WestJet, Canada’s second-largest carrier, backpedaled on a new seating plan after videos of crammed travelers went viral on social media.

By Christine Chung

President Trump standing in front of several microphones.

Why Banks Are So Worried About a 10% Credit Card Rate Cap

President Trump revived a campaign promise to cap interest rates, but it is unclear how he would make that a reality.

By Stacy Cowley and Niko Gallogly

Despite Trump’s Claims, Grocery Prices Are Rising

Weather, supply, tariffs, labor and changing consumer habits continue to drive up the cost of groceries. President Trump falsely claims prices are falling.

By Kevin Draper and Julie Creswell

A view down a narrow street lined with unbroken rows of housing. A few people walk, stand or sit in the street.

Strategies

What’s Next for Cuba, Now That Its Main Oil Supplier Is Gone?

The Soviet Union was Cuba’s benefactor for decades. Venezuela took up the slack, and Mexico has supplied “humanitarian aid.” But the world is changing rapidly, our columnist says.

By Jeff Sommer

A colorful illustration of a small house designed to look like a Bilt credit card.

What to Know About Bilt’s New Rewards Program for Mortgage and Rent Payments

Bilt, a rewards start-up, has new credit cards that help users earn points for housing payments. It rebooted the program after a shambolic rollout.

By Tara Siegel Bernard and Ron Lieber

Facing Political Pressure, Trump Seeks Answer to Rising Housing Costs

White House officials have explored a vast array of ideas as the president looks to unfurl a housing affordability plan at an economic conference this month.

By Tony Romm

Inflation Ended 2025 on Subdued Note

Surging grocery prices were offset by lower increases for appliances and vehicles in the last such report before the Federal Reserve meets to debate interest rates.

By Lydia DePillis

A storefront with letters that spell Obamacare on a window.

Initial Obamacare Enrollment Drops by 1.4 Million

That number could increase significantly as more consumers are faced with higher bills brought on by expiring premium subsidies.

By Reed Abelson and Margot Sanger-Katz

Stock Investors’ Strategy for 2026: ‘Don’t Fight the White House’

From oil drillers to credit card companies, President Trump has been a market mover this year.

By Joe Rennison

A mall scene at a store entrance, the black and white Saks Fifth Avenue sign prominent on the facade. Several people mill around the foreground, one looking at a phone.

What Does the Saks Bankruptcy Mean for Shoppers?

Answers to this and other questions about the financial crisis in America’s biggest luxury department store.

By Vanessa Friedman and Jacob Bernstein

An illustration shows stacks of blue poker chips on a casino table. Atop each stack is an icon representing something to bet on, like a football, a rain cloud, a missile and an Oscar statuette.

All Bets Are On: The Rise of Prediction Markets

Billions of dollars are trading hands on sites like Polymarket and Kalshi, where people bet on everything from Taylor Swift’s wedding date to election outcomes.

By David Yaffe-Bellany

In an illustration, a hand holds a phone up to photograph a bright city scene of a Chinese skyline rising behind a busy riverwalk. On the phone’s screen, however, is a darker picture of a beggar sitting on a riverwalk with the Statue of Liberty in the background.

the new new world

Why China Is Suddenly Obsessed With American Poverty

State media, embracing the gaming phrase “kill line,” is asserting China’s political superiority over the United States, deflecting focus on China’s own economic challenges.

By Li Yuan

How are we doing?
We’d love your feedback on this newsletter. Please email thoughts and suggestions to yourmoney_newsletter@nytimes.com.

Like this email?
Forward it to your friends, and let them know they can sign up Your Money.