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Your Money

Karen Herzog, a retired high school ...
Data da imagem: 22/08/2019
Cod. da imagem: ny230819193404
Crédito: Charlotte Kesl/ The New York Times/ Fotoarena

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Karen Herzog, a retired high school teacher, at home in Ocala, Fla., on Aug. 22, 2019. Herzog, 73, is one of tens of thousands of long-term care insurance policyholders who will face a rate increase ...

Data da imagem: 22/08/2019

Cod. da imagem: ny230819193404

Karen Herzog, a retired high school teacher, at home in Ocala, Fla., on Aug. 22, 2019. Herzog, 73, is one of tens of thousands of long-term care insurance policyholders who will face a rate increase this year. (Charlotte Kesl/The New York Times)

Crédito: Charlotte Kesl/ The New York Times/ Fotoarena

Karen Herzog, a retired high school teacher, at home in Ocala, Fla., on Aug. 22, 2019. Herzog, 73, is one of tens of thousands of long-term care insurance policyholders who will face a rate increase this year. (Charlotte Kesl/The New York Times/Fotoarena)

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Karen Herzog, a retired high school ...
Data da imagem: 22/08/2019
Cod. da imagem: ny230819193504
Crédito: Charlotte Kesl/ The New York Times/ Fotoarena

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Karen Herzog, a retired high school teacher, at home in Ocala, Fla., on Aug. 22, 2019. Herzog, 73, is one of tens of thousands of long-term care insurance policyholders who will face a rate increase ...

Data da imagem: 22/08/2019

Cod. da imagem: ny230819193504

Karen Herzog, a retired high school teacher, at home in Ocala, Fla., on Aug. 22, 2019. Herzog, 73, is one of tens of thousands of long-term care insurance policyholders who will face a rate increase this year. (Charlotte Kesl/The New York Times)

Crédito: Charlotte Kesl/ The New York Times/ Fotoarena

Karen Herzog, a retired high school teacher, at home in Ocala, Fla., on Aug. 22, 2019. Herzog, 73, is one of tens of thousands of long-term care insurance policyholders who will face a rate increase this year. (Charlotte Kesl/The New York Times/Fotoarena)

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Kelley Schlise, who will attend the ...
Data da imagem: 05/05/2019
Cod. da imagem: ny090519160004
Crédito: Lauren Justice/ The New York Times/ Fotoarena

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Kelley Schlise, who will attend the University of Wisconsin-Madison, in the vehicle that contains supplies for her family’s plumbing business, in Milwaukee.

Data da imagem: 05/05/2019

Cod. da imagem: ny090519160004

Kelley Schlise, who will attend the University of Wisconsin-Madison, in the vehicle that contains supplies for her family’s plumbing business, in Milwaukee.

Crédito: Lauren Justice/ The New York Times/ Fotoarena

Kelley Schlise, who will attend the University of Wisconsin-Madison, in the vehicle that contains supplies for her family?s plumbing business, in Milwaukee, May 5, 2019. Schlise wrote her college application essay about being a plumber's daughter. "The world was built by people willing to get their hands dirty," she wrote. (Lauren Justice/The New York Times/Fotoarena)

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Astrid Liden, who will attend Columbia ...
Data da imagem: 05/05/2019
Cod. da imagem: ny100519172704
Crédito: Jenn Ackerman/ The New York Times/ Fotoarena

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Astrid Liden, who will attend Columbia University, at the Hopkins Library in Hopkins, Minn.

Data da imagem: 05/05/2019

Cod. da imagem: ny100519172704

Astrid Liden, who will attend Columbia University, at the Hopkins Library in Hopkins, Minn.

Crédito: Jenn Ackerman/ The New York Times/ Fotoarena

Astrid Liden, who will attend Columbia University, at the Hopkins Library in Hopkins, Minn., May 5, 2019. Liden wrote her college application essay on finding her way, over many years, to a new role in an old place of refuge: the library. "When we had nowhere to live, we would spend hours at the library, using what I thought to be the key to the world: library computers," she wrote. (Jenn Ackerman/The New York Times/Fotoarena)

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Astrid Liden, who will attend Columbia ...
Data da imagem: 05/05/2019
Cod. da imagem: ny090519160304
Crédito: Jenn Ackerman/ The New York Times/ Fotoarena

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Astrid Liden, who will attend Columbia University, at the Hopkins Library in Hopkins, Minn.

Data da imagem: 05/05/2019

Cod. da imagem: ny090519160304

Astrid Liden, who will attend Columbia University, at the Hopkins Library in Hopkins, Minn.

Crédito: Jenn Ackerman/ The New York Times/ Fotoarena

Astrid Liden, who will attend Columbia University, at the Hopkins Library in Hopkins, Minn., May 5, 2019. Liden wrote her college application essay on finding her way, over many years, to a new role in an old place of refuge: the library. "When we had nowhere to live, we would spend hours at the library, using what I thought to be the key to the world: library computers," she wrote. (Jenn Ackerman/The New York Times/Fotoarena)

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Mark Garcia, who will attend West Los ...
Data da imagem: 04/05/2019
Cod. da imagem: ny090519160204
Crédito: Jenna Schoenefeld/ The New York Times/ Fotoarena

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Mark Garcia, who will attend West Los Angeles College, at his home in Los Angeles.

Data da imagem: 04/05/2019

Cod. da imagem: ny090519160204

Mark Garcia, who will attend West Los Angeles College, at his home in Los Angeles.

Crédito: Jenna Schoenefeld/ The New York Times/ Fotoarena

Mark Garcia, who will attend West Los Angeles College, at his home in Los Angeles, May 4, 2019. He wrote his college applications essay about his job as a dish washer and riding home in the middle of the school night, flashcards in hand. "I was tired of seeing childhood friends flashing gang signs, relatives glued to the beer bottle or my dad coming home late at night with burn scars from work. Something had to change and I knew it fell to me to initiate that change," he wrote. (Jenna Schoenefeld/The New York Times/Fotoarena)

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Victoria Oswald, who will attend ...
Data da imagem: 04/05/2019
Cod. da imagem: ny090519160604
Crédito: Hannah Yoon/ The New York Times/ Fotoarena

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Victoria Oswald, who will attend Harvard University, at her home in Pottsville, Pa.

Data da imagem: 04/05/2019

Cod. da imagem: ny090519160604

Victoria Oswald, who will attend Harvard University, at her home in Pottsville, Pa.

Crédito: Hannah Yoon/ The New York Times/ Fotoarena

Victoria Oswald, who will attend Harvard University, at her home in Pottsville, Pa., May 4, 2019. Oswald's college application essay was about her family getting smaller, set against the tableau of its aging furniture. "The kitchen table itself has been the hub of my family for the entire first half of my life," she wrote. (Hannah Yoon/The New York Times/Fotoarena)

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Michael Shea, left, with his ...
Data da imagem: 04/05/2019
Cod. da imagem: ny100519172604
Crédito: Hannah Yoon/ The New York Times/ Fotoarena

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Michael Shea, left, with his granddaughter Victoria Oswald, who will attend Harvard University, at her home in Pottsville, Pa.

Data da imagem: 04/05/2019

Cod. da imagem: ny100519172604

Michael Shea, left, with his granddaughter Victoria Oswald, who will attend Harvard University, at her home in Pottsville, Pa.

Crédito: Hannah Yoon/ The New York Times/ Fotoarena

Michael Shea, left, with his granddaughter Victoria Oswald, who will attend Harvard University, at her home in Pottsville, Pa., May 4, 2019. Oswald's college application essay was about her family getting smaller, set against the tableau of its aging furniture. "The kitchen table itself has been the hub of my family for the entire first half of my life," she wrote. (Hannah Yoon/The New York Times/Fotoarena)

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Andy Patriquin, who will attend ...
Data da imagem: 03/05/2019
Cod. da imagem: ny090519160404
Crédito: Tara Pixley/ The New York Times/ Fotoarena

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Andy Patriquin, who will attend University of Redlands, at his home in San Diego.

Data da imagem: 03/05/2019

Cod. da imagem: ny090519160404

Andy Patriquin, who will attend University of Redlands, at his home in San Diego.

Crédito: Tara Pixley/ The New York Times/ Fotoarena

Andy Patriquin, who will attend University of Redlands, at his home in San Diego, May 3, 2019. He wrote his college application essay on how his fascination with garbage trucks allowed him to take on jobs that few of his peers would want. "When my classmates thought about applying for jobs, they were thinking about air-conditioned movie theaters and retail stores, not backbreaking manual labor," he wrote. (Tara Pixley/The New York Times/Fotoarena)

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The Equifax offices in Atlanta in ...
Data da imagem: 05/04/2019
Cod. da imagem: ny050419160203
Crédito: Kevin D. Liles/ The New York Times/ Fotoarena

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The Equifax offices in Atlanta in September 2017.

Data da imagem: 05/04/2019

Cod. da imagem: ny050419160203

The Equifax offices in Atlanta in September 2017.

Crédito: Kevin D. Liles/ The New York Times/ Fotoarena

FILE ? The Equifax offices in Atlanta, Sept. 12, 2017. New chief executive Mark Begor thinks Equifax can be a consumer-friendly credit bureau, even though the company let thieves steal over 140 million Social Security numbers and other data in a breach disclosed in 2017. (Kevin D. Liles/The New York Times/Fotoarena)

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Equifax chief executive Mark Begor at ...
Data da imagem: 02/04/2019
Cod. da imagem: ny050419160303
Crédito: Lynsey Weatherspoon/ The New York Times/ Fotoarena

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Equifax chief executive Mark Begor at the company’s headquarters in Atlanta.

Data da imagem: 02/04/2019

Cod. da imagem: ny050419160303

Equifax chief executive Mark Begor at the company’s headquarters in Atlanta.

Crédito: Lynsey Weatherspoon/ The New York Times/ Fotoarena

Equifax chief executive Mark Begor at the company?s headquarters in Atlanta, April 2, 2019. Begor thinks Equifax can be a consumer-friendly credit bureau, even though the company let thieves steal over 140 million Social Security numbers and other data in a breach disclosed in 2017. (Lynsey Weatherspoon/The New York Times/Fotoarena)

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Chanel Reynolds, a financial advice ...
Data da imagem: 11/02/2019
Cod. da imagem: ny150219155505
Crédito: Ruth Fremson/ The New York Times/ Fotoarena

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Chanel Reynolds, a financial advice writer, in Seattle.

Data da imagem: 11/02/2019

Cod. da imagem: ny150219155505

Chanel Reynolds, a financial advice writer, in Seattle.

Crédito: Ruth Fremson/ The New York Times/ Fotoarena

Chanel Reynolds, a financial advice writer and author of the book ?What Matters Most,? in Seattle, Feb. 11, 2019. Reynolds became an expert in personal finance through the death of her husband and the gut-wrenching period of logistical and financial madness that followed. (Ruth Fremson/The New York Times/Fotoarena)

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From left, financial advice authors ...
Data da imagem: 11/02/2019
Cod. da imagem: ny150219155204
Crédito: Ruth Fremson/ The New York Times/ Fotoarena

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From left, financial advice authors Gaby Dunn, Chanel Reynolds and Vicki Robin in Seattle.

Data da imagem: 11/02/2019

Cod. da imagem: ny150219155204

From left, financial advice authors Gaby Dunn, Chanel Reynolds and Vicki Robin in Seattle.

Crédito: Ruth Fremson/ The New York Times/ Fotoarena

From left, financial advice authors Gaby Dunn, Chanel Reynolds and Vicki Robin in Seattle, Feb. 11, 2019. Having learned about money under trying circumstances, ?We use our stories to talk to the people and not to their spreadsheets,? Reynolds explained. (Ruth Fremson/The New York Times/Fotoarena)

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Vicki Robin, financial advice author, ...
Data da imagem: 11/02/2019
Cod. da imagem: ny150219155404
Crédito: Ruth Fremson/ The New York Times/ Fotoarena

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Vicki Robin, financial advice author, in Seattle.

Data da imagem: 11/02/2019

Cod. da imagem: ny150219155404

Vicki Robin, financial advice author, in Seattle.

Crédito: Ruth Fremson/ The New York Times/ Fotoarena

Vicki Robin, financial advice writer and co-author of "Your Money or Your Life," in Seattle, Feb. 11, 2019. At 73, Robin has achieved advanced guru status now that Penguin has issued an updated edition of her 1992 classic call for a reckoning on overconsumption, our emotional relationship with money and our definition of enough. (Ruth Fremson/The New York Times/Fotoarena)

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Gaby Dunn, author of the book “Bad ...
Data da imagem: 11/02/2019
Cod. da imagem: ny150219155704
Crédito: Ruth Fremson/ The New York Times/ Fotoarena

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Gaby Dunn, author of the book “Bad With Money,” in Seattle.

Data da imagem: 11/02/2019

Cod. da imagem: ny150219155704

Gaby Dunn, author of the book “Bad With Money,” in Seattle.

Crédito: Ruth Fremson/ The New York Times/ Fotoarena

Gaby Dunn, author of a book named after her podcast, ?Bad With Money,? in Seattle, Feb. 11, 2019. ?I started my podcast from a place of frustration and desperation and sadness,? she said, noting that she regretted many of the choices she had made in her 20s, and the book addresses financial questions that previous generations might never have faced. (Ruth Fremson/The New York Times/Fotoarena)

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Ramsey Smith, the founder of Alex.fyi, ...
Data da imagem: 20/12/2018
Cod. da imagem: ny211218195104
Crédito: Jeenah Moon/ The New York Times/ Fotoarena

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Ramsey Smith, the founder of Alex.fyi, one of several companies that are repositioning simple annuities as pension replacements, at his office in Manhattan.

Data da imagem: 20/12/2018

Cod. da imagem: ny211218195104

Ramsey Smith, the founder of Alex.fyi, one of several companies that are repositioning simple annuities as pension replacements, at his office in Manhattan.

Crédito: Jeenah Moon/ The New York Times/ Fotoarena

Ramsey Smith, the founder of Alex.fyi, one of several companies that are repositioning simple annuities as pension replacements, at his office in Manhattan, Dec. 12, 2018. There is a boomlet in kinder, gentler annuity providers, and they want you to devote some of your savings to guaranteeing more retirement income for yourself. (Jeenah Moon/The New York Times/Fotoarena)

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A ninth-grade math class in Brooklyn.
Data da imagem: 04/10/2018
Cod. da imagem: ny171018114204
Crédito: Sarah Blesener/ The New York Times/ Fotoarena

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A ninth-grade math class in Brooklyn.

Data da imagem: 04/10/2018

Cod. da imagem: ny171018114204

A ninth-grade math class in Brooklyn.

Crédito: Sarah Blesener/ The New York Times/ Fotoarena

A ninth-grade math class in Brooklyn, Oct. 4, 2018. Teachers, firefighters and other public servants have had a hard time complying with the complex terms of a federal student loan forgiveness program. (Sarah Blesener?The New York Times)

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Kataryna Piña, who will attend ...
Data da imagem: 01/05/2018
Cod. da imagem: ny110518142211
Crédito: Bryan Schutmaat/ The New York Times/ Fotoarena

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Kataryna Piña, who will attend Colgate University, at her grandmother's home in Weslaco, Texas.

Data da imagem: 01/05/2018

Cod. da imagem: ny110518142211

Kataryna Piña, who will attend Colgate University, at her grandmother's home in Weslaco, Texas.

Crédito: Bryan Schutmaat/ The New York Times/ Fotoarena

Kataryna Piña at her grandmother's home in Weslaco, Texas, May 2, 2018. Piña, who will attend Colgate University, wrote a college application essay exploring feelings of shame and her feelings about those feelings. (Bryan Schutmaat/The New York Times/Fotoarena)

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Eric Muthondu, who will attend Harvard ...
Data da imagem: 01/05/2018
Cod. da imagem: ny110518142311
Crédito: Bryan Schutmaat/ The New York Times/ Fotoarena

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Eric Muthondu, who will attend Harvard in the fall, at his home in Richmond, Texas.

Data da imagem: 01/05/2018

Cod. da imagem: ny110518142311

Eric Muthondu, who will attend Harvard in the fall, at his home in Richmond, Texas.

Crédito: Bryan Schutmaat/ The New York Times/ Fotoarena

Eric Muthondu, who will attend Harvard in the fall, at his home in Richmond, Texas, May 2, 2018. In a college application essay set partly in Kenya, Muthondu wrote movingly about the daily life of his extended family there and the struggles of his immediate family in Texas. (Bryan Schutmaat/The New York Times/Fotoarena)

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Eric Muthondu at his home in Richmond, ...
Data da imagem: 01/05/2018
Cod. da imagem: ny110518132312
Crédito: Bryan Schutmaat/ The New York Times/ Fotoarena

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Eric Muthondu at his home in Richmond, Texas.

Data da imagem: 01/05/2018

Cod. da imagem: ny110518132312

Eric Muthondu at his home in Richmond, Texas.

Crédito: Bryan Schutmaat/ The New York Times/ Fotoarena

Eric Muthondu at his home in Richmond, Texas, May 2, 2018. In a college application essay set partly in Kenya, Muthondu wrote movingly about the daily life of his extended family there and the struggles of his immediate family in Texas. (Bryan Schutmaat/The New York Times/Fotoarena)

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