WSJ Your Money Briefing

The average credit-card interest rate was 21.5% in May, hovering around its highest level in Federal Reserve data going back to 1994. Wall Street Journal reporter Angel Au-Yeung joins host J.R. Whalen to also discuss why the rates remain so high and the status of a proposed $8 cap on credit-card late fees. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Property owners in the path of hurricanes often face years of debt and lower credit scores as they rebuild. Wall Street Journal personal finance reporter Katherine Hamilton joins host J.R. Whalen to discuss the experience of homeowners who have endured several major storms. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Property insurers have scaled back natural-disaster coverage and raised premiums to make up for steep losses as a result of more frequent storms. Wall Street Journal reporter Jean Eaglesham joins host J.R. Whalen to discuss how recent hurricanes could reshape insurance coverage. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

While the median job switcher gets a 10% raise each time they move to a new company, their potential retirement savings can fall short because they forget to re-adjust contribution levels. Wall Street Journal reporter Anne Tergesen joins host J.R. Whalen to discuss how muc h financial advisers recommend workers should plan to save in their retirement accounts over their career. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

New research shows that people in different income groups often experience similar feelings of satisfaction when they receive bonuses or raises. Host J.R. Whalen is joined by WSJ reporter Joe Pinsker to explain why. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the fourth and final episode of our series “Your Money, Your Vote,” we delve into the presidential candidates' plans to reduce the cost of healthcare. In 2022, U.S. healthcare spending averaged nearly $13,500 per person, and it’s projected to keep rising. We also examine Vice President Kamala Harris’s and former President Donald Trump’s positions on drug prices, the Affordable Care Act and reproductive healthcare. J.R. Whalen hosts. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Why are global automakers hitting the brakes? And why did Tesla's stock fall despite the company delivering more vehicles? Plus, what sent Spirit Airlines shares into a tailspin? Host Francesca Fontana discusses the biggest stock moves of the week and the news that drove them. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Some savers who invested in CDs because they offered high yields are seeing those returns decline as the Federal Reserve lowers interest rates. Wall Street Journal personal finance reporter Imani Moise joins host J.R. Whalen to discuss what you should know about callable CDs. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The average 30-year mortgage rate has fallen more than a full percentage point over the past year, but many renters remain priced out of the housing market. Wall Street Journal personal finance reporter Veronica Dagher joins host J.R. Whalen to discuss how far economists say mortgage rates have to come down for paying a mortgage to be less expensive than renting . Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Some companies are transitioning full-time employees from salaries to bonus-based pay for hitting certain targets. Wall Street Journal careers and workplace deputy bureau chief Vanessa Fuhrmans joins host J.R. Whalen to discuss which types of jobs are involved, and how performance metrics can impact workers’ pay. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Americans have been accumulating mountains of credit-card points. Inflation is eroding their value. Wall Street Journal personal finance reporter Katherine Hamilton joins host J.R. Whalen to discuss what you should know to preserve the value of your points. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hotel room rates have skyrocketed in recent years, now averaging $200 or more in some of the nation’s largest cities. Wall Street Journal travel reporter Allison Pohle joins J.R. Whalen to discuss what travelers can do to save money without having to cancel their plans. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the third episode of our series “Your Money, Your Vote,” we delve into the presidential nominees' positions on student loans and the cost of higher education. In the wake of the Supreme Court's ruling against President Biden’s student-loan forgiveness plan, the administration has shifted to a more fragmented approach to address student debt. We’ll look into whether Vice President Kamala Harris will carry on Biden’s initiatives. And we’ll explore former President Trump’s views on student loans, including how they have evolved, if at all, in his current campaign. J.R. Whalen hosts. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

What did investors make of changes to Southwest’s famous seating strategy? And why did two big AI tech-stock names go in opposite directions? Plus, why did Costco shares get a markdown? Host Francesca Fontana discusses the biggest stock moves of the week and the news that drove them. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

A recent data breach at Disney that exposed millions of intraoffice messages has shed light on whether direct messages between co-workers can be seen by others. Host J.R. Whalen is joined by the WSJ’s Shara Tibken and Chip Cutter who discuss what employees should know about privacy on apps like Slack and Google Chat, and what rights workers have when it comes to workplace messaging. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

As interest rates decline, some financial advisers are steering their clients toward bonds. Wall Street Journal reporter Vicky Ge Huang joins host J.R. Whalen to discuss what you should know about buying bonds and how they compare to other investments. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirees concerned about the costs of living in cities and suburbs are moving to more rural parts of the country. Wall Street Journal reporter Veronica Dagher joins host J.R. Whalen to discuss the trade-offs involved. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many companies are offering signing bonuses to seal the deal with qualified candidates. Wall Street Journal reporter Ray A. Smith joins host J.R. Whalen to discuss how to ask for one. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial advisers say the tone and frenetic pace of political campaigns can add to someone’s financial anxiety, causing some people to find comfort by overspending. Wall Street Journal contributor Julia Carpenter joins host J.R. Whalen to discuss how you can rise above the political fray and better manage your personal finances . Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the second episode of our series “Your Money, Your Vote,” we break down the tax plans of Vice President Kamala Harris and former President Donald Trump. Host J.R. Whalen is joined by WSJ tax reporters Rich Rubin and Laura Saunders to discuss which tax cuts might be extended, how the candidates’ proposed policies could affect your finances and the role of a potentially divided Congress in advancing those plans. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices