HSA as a Retirement Account: The Triple Tax Advantage Most People Ignore
Learn about HSA retirement strategy. Discover how to use your HSA as a powerful retirement account with triple tax benefits most savers overlook.
Read MoreHow Prime Rate Swings Impact Retirees Living on Fixed Incomes
With the prime rate at 7.50%, retirees face higher HELOC payments but better CD yields. Here’s how to ladder savings and cut variable-rate debt exposure.
Read MorePrime Rate vs Treasury Yields: Which One Should You Actually Follow?
At 7.50%, the prime rate drives your credit cards and HELOCs right now—but Treasury yields shape mortgages and savings. Here’s which one actually matters for your situation.
Read MoreHow Self-Employed Borrowers Can Minimize Risk When Prime Rate Is Unpredictable
With prime rate at 7.50%, freelancers face a double squeeze of rising costs and uneven income. Here’s how a 6-month cash reserve and fixed-rate loans change the math.
Read MoreWhat People Get Wrong About the Prime Rate and How It Actually Works
The prime rate sits 3 points above the fed funds rate—not set by the Fed, not your actual loan rate. Here’s what the misconceptions are actually costing borrowers.
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Featured Articles
5 Mistakes Borrowers Make When the Prime Rate Starts Falling
With the prime rate at 7.50% and cuts expected, one wrong move could cost you thousands. Here are the five borrowing mistakes to avoid as rates start falling.
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Prime Rate and Construction Loans: What Builders and Buyers Need to Understand
At prime plus 1–2%, construction loans currently cost 8.50%–9.50%. Here's how Fed rate moves hit your draw schedule, interest reserve, and permanent financing.
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How Retirees Should Position Variable-Rate Debt Before the Next Rate Cut
HELOCs averaging 8.5–9.5% APR are the first target. Here's a step-by-step plan for retirees to audit, convert, and redirect variable-rate debt before the Fed cuts rates.
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Prime Rate History by Year: A Complete Data Reference
The U.S. prime rate has swung from 3.25% to a 1980 peak of 21.5%. See every annual rate, how Fed policy drives each move, and where rates stand in 2025.
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How the Prime Rate Changed During COVID-19: A Year-by-Year Look
The prime rate crashed to 3.25% in 11 days during March 2020, then climbed to 7.50% by 2025. Here's the full year-by-year breakdown of that historic cycle.
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How the Prime Rate Differs From the Discount Rate
The prime rate sits at 7.50% while the Fed's discount rate is 5.50%—a 2-point gap that shapes what you pay on credit cards, HELOCs, and variable-rate loans.
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