This document provides a resource list on personal finance topics in 2022, including inflation, interest rates, savings, housing, taxes, credit, student loans, and cars. It summarizes over 30 articles from sources like The Wall Street Journal, Federal Reserve, IRS, and CFPB on these issues. The articles discuss rising inflation, gas and food prices, the Federal Reserve raising interest rates, declining home sales as mortgage rates increase, student loan forgiveness programs, and high used car prices.

1. 2022 Personal Finance Year in Review Resource List
Inflation
Consumer price index (2022). Washington, DC. Bureau of Labor Statistics. https://www.bls.gov/cpi/
Inflation takes a toll on workers (2022). Center for Retirement Research at Boston College.
https://squaredawayblog.bc.edu/squared-away/inflation-takes-a-toll-on-workers/
Patterson, S. (2022, March 8). Gasoline prices climb above $4 a gallon. The Wall Street Journal.
https://www.wsj.com/articles/the-surge-in-gas-prices-isnt-slowing-down-11646627663
Harrison, D. (2022, May 7-8). Inflation eclipses strong wage gains. The Wall Street Journal.
https://www.wsj.com/articles/inflation-eclipses-aprils-historically-strong-wage-gains-11651854549
Ardel-Baqui, O. & Singh, H. (2002, June 13). No relief in sight as gas tops $5 a gallon. The Wall Street
Journal. https://www.wsj.com/articles/gasoline-prices-reach-5-a-gallon-nationwide-for-the-first-time-
11654910506
McCorvey, J.J., Kelse, A. & Whitton, B. (2022, July 16-17). Up, up, up. The Wall Street Journal. B1, B4.
Torchinsky, R. (2022, August 20-21). Child-rearing expenses soar amid inflation. The Wall Street
Journal, A3.
Blunt, K. & Hiller, J. (2022, Sept. 19). Electric bills rise nationwide as natural-gas prices climb. The Wall
Street Journal. https://www.wsj.com/articles/electric-bills-soar-across-the-country-as-winter-looms-
11663493404
Ip, G. (2022. Sept. 28). Markets now brace for a hard landing. The Wall Street Journal.
https://www.wsj.com/articles/markets-brace-for-hard-landing-as-fed-delivers-sobering-message-
11663816181
Guilford, G. (2022, Oct. 14). Core inflation revs to a new high. The Wall Street Journal.
https://www.wsj.com/articles/us-inflation-september-2022-consumer-price-index-11665628037
Who’s to blame for inflation? (2002, June 14). Money Scoop (subscription news service)
Guilford, G. & Timiraos, N. (2022, Nov. 11). Easing inflation fuels stock surge. The Wall Street Journal,
A1, A8. https://www.wsj.com/articles/global-stocks-markets-dow-update-11-11-2022-11668166964
Interest Rates
Federal Reserve issues FOMC statement (2022, Sept. 21). Washington, DC. Board of Governors of the
Federal Reserve System.
https://www.federalreserve.gov/newsevents/pressreleases/monetary20220921a.htm
Federal Open Market Committee meeting calendars, statements, and minutes (2022). Washington, DC.
Board of Governors of the Federal Reserve System.
https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm
Timiraos, N. (2022, June 16). Fed lifts rates by most since ’94. The Wall Street Journal.
https://www.wsj.com/articles/fed-raises-rates-by-0-75-percentage-point-largest-increase-since-1994-
11655316170

2. Timiraos, N. (2022, July 28). Fed lifts rates by 0.75 point again. The Wall Street Journal.
https://www.wsj.com/articles/fed-raises-interest-rates-by-0-75-percentage-point-11658944935
Timiraos, N. (2022, Sept. 22). Fed lifts rate, signals more, sinking stocks. The Wall Street Journal.
https://www.wsj.com/articles/fed-raises-interest-rates-by-0-75-percentage-point-for-third-straight-
meeting-11663783397
Timiraos, N. (2022, Oct. 13). Persistent high inflation worried Fed. The Wall Street Journal.
https://www.wsj.com/articles/fed-minutes-show-concerns-of-more-persistent-high-inflation-11665597721
Torry, H. (2022, July 29). GDP drop stokes recession fears. The Wall Street Journal.
https://www.wsj.com/articles/us-q2-gdp-growth-economy-11658981184
Timiraos, N. (2022, Nov. 3). Fed lifts rates, signals “ways to go.” The Wall Street Journal, A1, A2.
Carpenter, J. (2022, Nov. 3). How Fed rate rises affect you. The Wall Street Journal.
https://www.wsj.com/articles/what-the-feds-rate-increases-mean-for-your-financial-plans-11667347555
Savings
Personal savings rate (2022). Washington, DC: U.S. Bureau of Economic Analysis:
https://fred.stlouisfed.org/series/PSAVERT
Vozza, S. (2022, Sept. 30). Average bank interest rates: checking, savings, and money market. Value
Penguin. https://www.valuepenguin.com/banking/average-bank-interest-rates
Lahart, J. (2022, June 24). Americans’ cash hoard could cushion a downturn. The Wall Street Journal.
https://www.wsj.com/articles/americas-cash-hoard-could-cushion-a-downturn-11655991031
Ensign, R.L.& McCaffery, O. (2022, July 6). Americans begin to draw down pandemic-era savings. The
Wall Street Journal. https://www.wsj.com/articles/americans-tap-pandemic-savings-to-cope-with-
inflation-11657013400
Pinsker, J. (2022, Oct. 4). Why higher interest rates aren’t reaching your savings account. The Wall Street
Journal. https://www.wsj.com/articles/why-interest-rates-are-rising-everywhereexcept-your-savings-account-
11664737431
What is the average interest rate for savings accounts? (2022, Nov. 10). Bankrate:
https://www.bankrate.com/banking/savings/average-savings-interest-rates/
Housing
Mortgage rates and affordability (2022). Freddie Mac.
https://myhome.freddiemac.com/buying/mortgage-rates
Friedman, N. (2022, Feb. 8). Middle class gets priced out of homes. The Wall Street Journal.
https://www.wsj.com/articles/in-covid-19-housing-market-the-middle-class-is-getting-priced-out-
11644246000
McCaffrey, O. (2022, May 3). Home buyers battle rising loan rates. The Wall Street Journal.
https://www.wsj.com/articles/home-buyers-are-finding-ways-to-take-the-sting-out-of-rising-mortgage-
rates-11651445773
McCaffrey, O. (2022, May 11). Mortgage refi boom runs out of steam. The Wall Street Journal.
https://www.wsj.com/articles/the-mortgage-refi-boom-is-running-out-11652206979

3. McCaffrey, O. (2022, June16). Home Equity Hits Record $27.8 trillion. The Wall Street Journal.
https://www.wsj.com/articles/u-s-home-equity-hits-highest-level-on-record-27-8-trillion-11655250769
Parker, W. (2022, June 28). Tight housing market ignites hot bidding wars for rentals. The Wall Street
Journal, A1, A2.
Friedman, N. (2022, Sept. 23). Home sellers are scarce as rates rise. The Wall Street Journal.
https://www.wsj.com/articles/after-years-of-low-mortgage-rates-home-sellers-are-scarce-11663810759
Friedman, N. (2022, Aug. 13-14). Home affordability is worst since ’89. The Wall Street Journal.
https://www.wsj.com/articles/u-s-housing-affordability-in-june-was-the-worst-since-1989-11660312801
Eisen, B. (2022, Oct. 14). Mortgage rates hit 6.92%, highest in decades. The Wall Street Journal.
https://www.wsj.com/articles/mortgage-rates-hit-6-92-a-20-year-high-11665669624
Friedman, N. (2022, Oct. 22-23). Climbing interest rates crimp U.S. home sales. The Wall Street Journal.
https://www.wsj.com/articles/existing-home-sales-prices-mortgage-rates-housing-market-august-2022-
11663711368
Olick, D. (2022, Oct. 20). Existing home sales fall to a 10-year low in September, as mortgage rates soar.
CNBC. https://www.cnbc.com/2022/10/20/existing-home-sales-fall-to-a-10-year-low-in-september.html
Parker, W. (2002, Oct. 26). Apartment demand cools after sharp increase in rents. The Wall Street
Journal, A1, A2. https://www.wsj.com/articles/inflation-driven-record-rents-mean-more-people-are-
piling-in-with-roommates-11666671826
Kane, L. & Gopal, P. (2002, Oct. 27). U.S. Mortgage rates soar past 7% for first time in two decades.
Bloomberg. https://www.bloomberg.com/news/articles/2022-10-27/us-mortgage-rates-soar-past-7-for-
first-time-in-two-decades
Friedman, N. (2022, Nov. 19-20). Home sales decline again as mortgage-rate rise stings. The Wall Street
Journal, A3. https://www.wsj.com/articles/home-price-growth-slows-under-tide-of-rising-mortgage-rates-
11668081602
Taxes
Required minimum distributions for IRA beneficiaries (2022). Internal Revenue Service.
https://www.irs.gov/retirement-plans/required-minimum-distributions-for-ira-beneficiaries
News releases for current month (2022). Internal Revenue Service. https://www.irs.gov/newsroom/news-
releases-for-current-month
Retirement topics- contributions (2022). ). Internal Revenue Service. https://www.irs.gov/retirement-
plans/plan-participant-employee/retirement-topics-contributions
2022 filing season statistics (2022). Internal Revenue Service: https://www.irs.gov/newsroom/filing-
season-statistics-for-week-ending-may-20-2022#
Lenkowsky, L. (2022, Jan. 29-30). If you got the child tax credit in 2021, you may pay in 2022. The Wall
Street Journal. https://www.wsj.com/articles/if-you-got-the-child-tax-credit-in-2021-you-may-pay-in-
2022-income-payments-payouts-11643407166
Rubin, R. (2022, May 10). IRS pays billions on delayed refunds. The Wall Street Journal.
https://www.wsj.com/articles/irs-has-millions-of-delayed-tax-returns-and-is-paying-billions-in-interest-to-
those-waiting-11652088780

4. Rubin, R. (2022, Sept. 28). IRS erred on child tax credit payments. The Wall Street Journal.
https://www.wsj.com/articles/irs-failed-to-send-child-tax-credit-payments-to-millions-of-households-
report-finds-11664297689
DeAvila, J. & Azu, L. (2022, Oct. 16). States push sales-tax holidays as prices rise. The Wall Street
Journal. https://www.wsj.com/articles/states-expand-sales-tax-holidays-as-americans-feel-price-
increases-11660665428
Ebeling, A. (2022, Aug. 23). How to navigate EV tax credits. The Wall Street Journal.
https://www.wsj.com/articles/navigating-the-new-electric-vehicle-tax-credits-to-get-more-money-back-
11661105490
Ebeling, A. (2022, Oct. 10). IRS delays new guidelines for some inherited IRAs until 2023. The Wall
Street Journal. https://www.wsj.com/articles/irs-delays-new-guidelines-for-inherited-iras-11665182415
Credit
CFPB estimates $88 billion in medical bills on credit reports. Washington, DC: Consumer Financial
Protection Bureau. https://www.consumerfinance.gov/about-us/newsroom/cfpb-estimates-88-billion-in-
medical-bills-on-credit-reports/
Andriotis, A. (2022, April 30-May 1). Personal loans make a comeback. The Wall Street Journal.
https://www.wsj.com/articles/personal-loans-are-back-after-an-early-pandemic-slump-11651188766
Andriotis, A. (2022, May 20). Subprime borrowers struggle with car loans, credit cards. The Wall Street
Journal. https://www.wsj.com/articles/more-subprime-borrowers-are-missing-loan-payments-
11652952602
Kelce, A. (2022, July 12). Credit reports remove some old medical debt. The Wall Street Journal.
https://www.wsj.com/articles/about-70-of-medical-debt-is-being-wiped-off-credit-reports-what-that-
means-for-you-11657537200
Ackerman, A. & Andriotis, A. (2022, Aug. 3). Equifax sent lenders wrong credit scores. The Wall Street
Journal. https://www.wsj.com/articles/equifax-sent-lenders-inaccurate-credit-scores-on-millions-of-
consumers-11659467483
Carpenter, J. (2022, August 10). How to deal with fallout from Equifax score error. The Wall Street
Journal. https://www.wsj.com/articles/worried-about-your-equifax-credit-score-heres-what-to-do-
11660010492
Andriotis, A. (2022, Oct. 29). Card debt rebounds to 2019 levels. The Wall Street Journal.
https://www.wsj.com/articles/credit-card-debt-returns-to-levels-before-covid-19-pandemic-11666928540
Student Loans
Public service loan forgiveness (2022). Washington, DC: Federal Student Aid.
https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service
Biden-Harris Administration Announces Final Student Loan Pause Extension Through December 31 and
Targeted Debt Cancellation to Smooth Transition to Repayment (2022). Washington, DC: U.S.
Department of Education. https://www.ed.gov/news/press-releases/biden-harris-administration-
announces-final-student-loan-pause-extension-through-december-31-and-targeted-debt-cancellation-
smooth-transition-repayment

5. Rubin, G.T. & Restuccia, A. (2022, April 7). Student borrowers get fresh extension. The Wall Street
Journal, A3.
Restuccia, A. & Rubin, G.T. (2022, October 18). Student loan relief portal is now open. The Wall Street
Journal. https://www.wsj.com/articles/biden-administration-launches-application-portal-for-student-loan-
forgiveness-11666037285
Student-loan forgiveness plan on hold: How the lawsuits affect you (October 25, 2022). The Wall Street
Journal. https://www.wsj.com/podcasts/your-money-matters/student-loan-forgiveness-plan-on-hold-how-
the-lawsuits-affect-you/7734dd11-14ab-4737-80be-8e2a990dfabe
Rubin, G.T. (2022, Nov. 12-13). Biden’s student-loan relief faces mounting legal hurdles. The Wall Street
Journal. https://www.wsj.com/articles/biden-administrations-student-loan-relief-faces-mounting-legal-
hurdles-11668195178
Cars
Kelly, R., Kulka, C., & Vasan, A. (2022, February 24). Rising car prices means more auto loan debt.
Washington, DC: Consumer Financial Protection Bureau. https://www.consumerfinance.gov/about-
us/blog/rising-car-prices-means-more-auto-loan-debt/
Eckert, N. (2022, Feb 12-13). Used-car prices surge past original value of some models. The Wall Street
Journal. https://www.wsj.com/articles/why-the-car-in-your-garage-may-be-gaining-value-11644575402
Felton, R. (2022, May 16). Soaring prices for used cars start to ease. The Wall Street Journal.
https://www.wsj.com/articles/used-car-buyers-are-seeing-relief-on-once-soaring-prices-11652529601
Colias, M. & Eckert, N. (2022, Feb. 26-27). The new sticker shock. The Wall Street Journal.
https://www.wsj.com/articles/a-new-brand-of-sticker-shock-hits-the-car-market-11645851648
Eckert, N. & Rogers, C. (2022, March 14). Buyers struggle to find fuel-efficient car options. The Wall
Street Journal. https://www.wsj.com/articles/as-gas-prices-soar-buyers-find-fewer-fuel-efficient-car-
options-11647163804
Eckert, N. (2022, March 25). Car buyers lease fewer vehicles. The Wall Street Journal.
https://www.wsj.com/articles/car-buyers-shun-leases-as-deals-and-vehicles-dwindle-11648154831
Cronin, B. (2022, July 2). Monthly car payments have crossed a record $700. What that means. NPR.
https://www.npr.org/2022/07/02/1109105779/monthly-car-payments-record-700
Eckert, N. (2022, May 24). Average age of vehicles on road rises to record. The Wall Street Journal.
https://www.wsj.com/articles/the-average-age-of-vehicles-on-u-s-roadways-hits-a-record-12-2-years-11653303602
Andriotis, A. (2022, July 1). Higher prices, rates boost car-loan costs. The Wall Street Journal.
https://www.wsj.com/articles/the-1-000-car-loan-payment-higher-prices-interest-rates-push-up-monthly-
costs-11657364580
Tucker, S. (2022, Nov. 9). New car prices nearing all-time high again. Kelley Blue Book:
https://www.kbb.com/car-news/new-car-prices-nearing-all-time-high-again/
Shopping
CFPB study details the rapid growth of “Buy Now, Pay Later” lending. (2022, Sept. 15). Washington,
DC: Consumer Financial Protection Bureau. https://www.consumerfinance.gov/about-us/newsroom/cfpb-
study-details-the-rapid-growth-of-buy-now-pay-later-lending/

6. Pohle, A. (2022, Feb. 9). Buy-now, pay-later travel is booming. The Wall Street Journal.
https://www.wsj.com/articles/buy-now-pay-later-travel-11644269159
Gasparro, A. & Kang, J. (2002, May 13). Formula shortage to linger for months. The Wall Street Journal.
https://www.wsj.com/articles/baby-formula-shortage-could-last-months-11652371827
Wolfe, R. & Terlep, S. (2022, May 5). Americans spend, travel and shop like it’s 2019. The Wall Street
Journal. https://www.wsj.com/articles/american-consumers-travel-gyms-shopping-11651673590
Kang, J. & Gasparro, A. (2022, June 13). Food prices keep going up as costs surge. The Wall Street
Journal. https://www.wsj.com/articles/food-prices-to-keep-going-up-as-costs-surge-11654939800
Andriotis, A. (2022, June 25-26). Refunds are tricky when paying later. The Wall Street Journal.
https://www.wsj.com/articles/shopping-with-buy-now-pay-later-is-easy-getting-a-refund-is-harder-11656051506
Andriotis, A. (2022, Oct. 14). Pay-later programs left out of credit reports. The Wall Street Journal.
https://www.wsj.com/articles/buy-now-pay-later-is-still-a-credit-score-blind-spot-11665633039
Insurance
Measuring price change in the CPI: Motor vehicle insurance. Washington, DC: U.S. Bureau of Labor
Statistics. https://www.bls.gov/cpi/factsheets/motor-vehicle-insurance.htm
Scism, L. (2022, Feb. 10). Car insurers rush to raise premiums. The Wall Street Journal.
https://www.wsj.com/articles/car-insurers-rush-to-raise-rates-as-inflation-takes-a-toll-11644415201
Scism, L. (2022, March 16). Life-insurance sales rise on Covid fears. The Wall Street Journal.
https://www.wsj.com/articles/u-s-life-insurance-sales-spike-on-covid-19-fears-11647347494
Fontana, F. (2022, April 4). Thanks to the pandemic, more young adults buy life insurance- if they can get
it. The Wall Street Journal. https://www.wsj.com/articles/young-adults-life-insurance-11648844790
Scism, L. (2022, May 31). Car-insurance bills are on the rise. The Wall Street Journal.
https://www.wsj.com/articles/car-insurance-bills-are-rising-with-more-increases-to-come-11653730381
Ermey, R. (2022, Oct. 6). The 10 states where home insurance rates are rising the fastest- and none are
New York or California. CNBC. https://www.cnbc.com/2022/10/06/states-where-home-insurance-rates-
are-rising-fastest.html
Bishop, L. (2022, Oct. 7). Average cost of renters insurance. Value Penguin.
https://www.valuepenguin.com/average-cost-renters-insurance
Employment and Jobs
The employment situation-September 2022 (2022, Oct. 7). Washington, DC: Bureau of Labor Statistics.
https://www.bls.gov/news.release/pdf/empsit.pdf
Civilian labor force participation rate (2022). Washington, DC: Bureau of Labor Statistics.
https://www.bls.gov/charts/employment-situation/civilian-labor-force-participation-rate.htm
Mena, B. (2022, May 3). U.S. job openings, quits reached records in March. The Wall Street Journal.
https://www.wsj.com/articles/job-openings-us-growth-labor-market-turnover-march-2022-11651529531
Harter, J. (2022, Sept. 6). Is quiet quitting real? Gallup. https://www.gallup.com/workplace/398306/quiet-
quitting-real.aspx

7. Goldstein, D. (2022, Oct. 13). Why you can’t find child care: 100,000 workers are missing. The New York
Times. https://www.nytimes.com/2022/10/13/us/child-care-worker-shortage.html
Lahart, J. (2022, March 5-6). The job market is getting even tighter. The Wall Street Journal.
https://www.wsj.com/articles/job-market-looks-even-tighter-as-covid-19-recedes-11646414426
Cambon, S.C. (2022, Sept. 30). Companies keep hiring despite slowing economy. The Wall Street
Journal. https://www.wsj.com/articles/labor-market-layoffs-inflation-recession-11664462809
Fraser, J. (2022, Aug. 4). ‘Permanent shock’ to nursing homes? Facilities fail to replace workers who quit
after COVID outbreaks. USA Today.
https://www.usatoday.com/story/news/investigations/2022/08/04/nursing-home-jobs-workers-quit-pay-
covid-outbreaks/10219487002/
Smith, R.A. (2022, Oct. 11). Pay transparency brings changes to the job hunt. The Wall Street Journal.
https://www.wsj.com/articles/salary-ranges-bring-changes-to-the-job-hunt-11665263465
Cutter, C. (2022, Oct. 31). New job postings reveal salary ranges. The Wall Street Journal, A1, A2.
https://www.wsj.com/articles/jpmorgan-macys-and-other-companies-reveal-what-they-pay-workers-as-
deadline-looms-11667086200
Herrera, S. & Mattioli, D. (2022, Nov. 17). Amazon to start trimming corporate ranks. The Wall Street
Journal, B1. https://www.livemint.com/companies/news/amazon-confirms-corporate-staff-cuts-that-
could-hit-10-000-employees-11668688177938.html
General Investing
Investor education (2022, April 15). Washington, DC: U.S. Securities and Exchange Commission.
https://www.sec.gov/education/investor-education
McCabe, C. (2022, May 16). Investors stay put, lacking choices. The Wall Street Journal.
https://www.wsj.com/articles/investors-stay-put-because-they-cant-think-of-better-options-11652616000
Grossman, M. (2022, October 3). Treasuries lure hard-hit investors. The Wall Street Journal, B1, B8.
Rabouin, D. (2022, Oct. 13). Inflation bond pays 10% but not for long. The Wall Street Journal.
https://www.wsj.com/articles/that-sky-high-i-bond-interest-rate-will-be-coming-down-to-earth-
11665541224
Banerji, G. (2022, May 4). In investor dilemma, stocks and bonds fall in tandem. The Wall Street Journal.
https://www.wsj.com/articles/stocks-and-bonds-are-falling-in-lockstep-at-pace-unseen-in-decades-11651551170
Scism, L. (2022, July16-17). Investors pile into fixed annuities. The Wall Street Journal.
https://www.wsj.com/articles/investors-pour-cash-into-higher-yielding-fixed-annuities-11657877401
Ensign, R.L, (2022, Oct. 25). Brokered deposit rates hit 4.5%. The Wall Street Journal.
https://www.wsj.com/articles/banks-are-offering-4-5-cdsjust-not-to-regular-customers-11666553764
Dagher, V. (2022, Oct 28.). Deadline rush to buy I bonds taxes website. The Wall Street Journal.
https://www.wsj.com/articles/as-investors-scramble-to-buy-i-bonds-treasurydirect-site-has-outages-
11666817951
Stocks
Securing futures (2022). Washington, DC: U.S. Securities and Exchange Commission.
https://www.sec.gov/

8. Investor alerts and bulletins (2022). Washington, DC: U.S. Securities and Exchange Commission.
https://www.sec.gov/investor/alerts
Ostroff, C. & Vigna, P. (2022, Jan. 4). Dow, S&P start year by hitting records. The Wall Street Journal.
https://www.wsj.com/articles/global-stock-markets-dow-update-01-03-2022-11641200978
Banerji, G. & Langley, K. (2022). Investors bolt for safer assets amid turmoil. The Wall Street Journal.
https://www.wsj.com/articles/investors-dash-for-shelter-during-ukraine-crisis-market-turmoil-11647218220
Singh, H. & McCabe, C. (2022, April 23-24). Earnings, rate worries hit stocks. The Wall Street Journal,
A1, A2.
Timiraos, N. (2022, June 14). Markets dive, Fed eyes bigger rise. The Wall Street Journal. A1, A9.
Otani, A. (2022, July 1). Markets post worst first half of year in decades. The Wall Street Journal.
https://www.wsj.com/articles/markets-head-toward-worst-start-to-a-year-in-decades-11656551051
Banerji, G. & Dulaney, C. (2022, Sept. 24-25). Dow falls to lowest of 2022 in selloff. The Wall Street
Journal. https://www.wsj.com/articles/global-stocks-markets-dow-update-09-23-2022-11663930088
Singh, H. & Wallace, J. (2022, Sept. 27). Blue chips slide into bear market. The Wall Street Journal, A1,
A2. https://www.wsj.com/articles/global-stocks-markets-dow-update-09-26-2022-11664189614
Otani, A. & Langley, K. Whiplash in stock market shows investors are still on edge. The Wall Street
Journal. https://www.wsj.com/articles/whiplash-in-stock-market-shows-investors-are-still-on-edge-11665871144
Moreano, G. (2022, April 21). 5 popular investment trends right now (Q2 2022). Fidelity.
https://www.fidelity.com/insights/investing-ideas/popular-investing-trends
Cryptocurrency
SEC nearly doubles size of enforcement’s crypto assets and cyber unit. Washington, DC: U.S. Securities
and Exchange Commission. https://www.sec.gov/news/press-release/2022-78
SEC charges Kim Kardashian for unlawfully touting crypto security. Washington, DC: U.S. Securities
and Exchange Commission. https://www.sec.gov/news/press-release/2022-183
Tergesen, A. (2022, April 26). Fidelity to allow bitcoin in 401(k)s. The Wall Street Journal.
https://www.wsj.com/articles/fidelity-to-allow-retirement-savers-to-put-bitcoin-in-401-k-accounts-
11650945661
Warnings from the crypto crash (2022, May 13). Warnings from the crypto crash. The Wall Street
Journal. https://www.wsj.com/articles/warnings-from-the-crypto-currency-crash-stablecoin-liquidity-
terrausd-11652390321
Telesca, J. (2022, May 9). Digital currencies fall with risk assets. The Wall Street Journal.
https://www.wsj.com/articles/crypto-prices-slump-over-weekend-11652011356
Osipovich, A. & Ostroff, C. (2022, May 28-29). TerraUSD crash left trail of broken dreams. The Wall
Street Journal. https://www.wsj.com/articles/terrausd-crash-led-to-vanished-savings-shattered-dreams-
11653649201
Driebusch, C. & Vigna, P. (2022, June 18-19). The crypto party is over. The Wall Street Journal.
https://www.wsj.com/articles/the-crypto-party-is-over-11655524807

9. Brown, E. & Ostroff, C. (2022, June 30). Pitched as safer than a bank, crypto giant proved riskier. The
Wall Street Journal. https://www.wsj.com/articles/behind-the-celsius-sales-pitch-was-a-crypto-firm-built-
on-risk-11656498142
Osipovich, A. & Ostroff, C. (2022, May 13). Stablecoin crash shakes crypto: ‘Run on the bank’. The Wall
Street Journal. https://www.wsj.com/articles/crash-of-terrausd-shakes-crypto-there-was-a-run-on-the-
bank-11652371839
Huang, V.G. (2022, Oct. 13). Betterment launches crypto portfolios. The Wall Street Journal.
https://www.wsj.com/articles/robo-adviser-betterment-launches-customized-crypto-portfolios-
11665547614
Michaels, D. (2022, Oct. 4). SEC fines Kardashian for touting crypto. The Wall Street Journal.
https://www.wsj.com/articles/kim-kardashian-paying-1-26-million-to-settle-sec-investigation-into-role-in-
crypto-deal-11664798793
Ostroff, C., Huang, V.G., & Gladstone (2022, Nov. 12-13). Crypto platform FTX says it’s bankrupt. The
Wall Street Journal. https://www.wsj.com/articles/ftx-files-for-chapter-11-bankruptcy-11668176869
Linares, M. (2022, Aug. 8). Crypto ATMs lose traction in tarnished ATM market. Forbes.
https://www.forbes.com/sites/mariagraciasantillanalinares/2022/08/08/crypto-atms-lose-traction-in-
tarnished-market/
2022 Trend Tidbits
Starting your retirement benefits early (2022). Washington, DC: Social Security Administration.
https://www.ssa.gov/benefits/retirement/planner/agereduction.html
Marcus, A.D. (2022, April 1.). Human genome map is completed. The Wall Street Journal.
https://www.wsj.com/articles/first-gapless-human-genome-map-is-unveiled-years-after-earlier-effort-
11648750303
Wedell, K. (2022, Aug19). Why 30% of Americans haven’t been to the dentist since before the pandemic.
USA Today. https://www.usatoday.com/story/money/2022/08/19/reasons-americans-avoid-dentist-dental-
insurance/10348042002/
Ensign, R.L. & Rubin, R. (2022, Jan. 4). Some families brace for end of tax break. The Wall Street
Journal. https://www.wsj.com/articles/monthly-child-tax-credit-payments-cease-ending-cushion-for-
family-budgets-11641205801
Nguyen, N. (2022, Aug. 22). Spam robotexts are surging. The Wall Street Journal.
https://www.wsj.com/articles/spam-texts-are-surging-heres-how-to-avoid-being-swindled-11661028971
Duehren, A. (2022, June 3).Social Security reserves seen depleted in 2035, report says. The Wall Street
Journal. https://www.wsj.com/articles/social-security-reserves-expected-to-be-depleted-in-2035-year-
later-than-prior-projection-11654199367
Mitchell, J. & Torry, H. (2022, July 28). What is a recession and are we in one now?. The Wall Street
Journal. https://www.wsj.com/articles/what-is-a-recession-and-are-we-in-one-now-11655392738
La Gorce, T. (2022, Feb. 10). It’s a boom year for brides and grooms. The New York Times.
https://www.nytimes.com/2022/02/04/fashion/weddings/wedding-boom-year.html#

10. Cox, J. (2022, Oct. 21). An often-overlooked economic measure is signaling serious trouble ahead.
CNBC. https://www.cnbc.com/2022/10/20/an-often-overlooked-economic-measure-is-signaling-serious-
trouble-ahead.html
Governmental Actions
No surprises: Understand your rights against surprise medical bills. Washington, DC: Centers for
Medicare and Medicaid Services. https://www.cms.gov/newsroom/fact-sheets/no-surprises-understand-
your-rights-against-surprise-medical-bills
Ebeling, A. (2022, July 14). Estate-tax savings made easier. The Wall Street Journal.
https://www.wsj.com/articles/irs-gives-wealthy-families-more-time-to-shelter-assets-from-estate-tax-11657771260
Barrington, R. (2022, Oct. 14). States where financial literacy education is working. MoneyRates.
https://www.moneyrates.com/research-center/financial-literacy.htm
Devilbiss, A. (2022, July 9). SC becomes 15th
state to require personal finance course for high school
graduates. ABC 15 News. https://wpde.com/news/local/south-carolina-becomes-15th-state-to-require-
personal-finance-course-for-high-school-graduates
Fact Sheet: Four ways the Inflation Reduction Act’s tax incentives will support building an equitable
clean energy environment (2022). Washington, DC: U.S. Treasury Department.
https://home.treasury.gov/system/files/136/Fact-Sheet-IRA-Equitable-Clean-Energy-Economy.pdf
Hardy, A. (2022, Aug. 16): 4 ways the Inflation Reduction Act will save you money. Money.
https://money.com/inflation-reduction-act-save-you-money/
Rubin, R. (2022, Nov. 16). Tax breaks in the mix for Congress during lame-duck session. The Wall Street
Journal. https://www.wsj.com/articles/tax-breaks-for-retirement-corporate-research-on-congresss-lame-
duck-agenda-11668521678
Greenberg, G. (2022, Nov. 28). Less than half of U.S. high school students currently receive instruction in
personal finance. Investment News. https://www.investmentnews.com/are-your-clients-kids-learning-the-
basics-of-money-management-229451
2023 Annual Limit Updates
IRS provides tax inflation adjustments for tax year 2023 (2022, Oct. 18). Washington, DC: Internal
Revenue Service. https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-
2023#
401(k) limit increases to $22,500 for 2023, IRA limit rises to $6,500 (2022, Oct. 21). Washington, DC:
Internal Revenue Service https://www.irs.gov/newsroom/401k-limit-increases-to-22500-for-2023-ira-
limit-rises-to-6500
2023 Social Security changes (2022). Washington, DC: Social Security Administration.
https://www.ssa.gov/news/press/factsheets/colafacts2023.pdf
Rubin, R. (2022, Oct. 19). IRS to raise tax brackets, standard deduction by 7%. The Wall Street Journal.
https://www.wsj.com/articles/inflation-causes-irs-to-raise-tax-brackets-standard-deduction-by-7-
11666116021
Tergesen, A. (2022, Oct. 14). Social Security checks to grow by 8.7%. The Wall Street Journal.
https://www.wsj.com/articles/social-security-benefits-to-increase-in-2023-11665665206