Good morning. A 535-pound bluefin tuna has sold for a record $3.2 million at the first auction of the year at Tokyo’s Toyosu fish market. The winner felt he had to buy it “for good luck,” though we imagine a rabbit’s foot has to be more cost-effective. And easier to carry.
■ Retirement
Jim Cramer says achieving early retirement comes down to just 3 key assets — are all three currently in your investment portfolio?
Over a fifth of Gen Zers and 30% of millennials expect to retire between the ages of 51 and 60, a 2024 YouGov survey found.
That’s young, especially since Medicare eligibility typically doesn’t begin until age 65, and Social Security’s full retirement age for Gen Zers and millennials is 67.
If your goal is to retire early, you’ll need to save aggressively early on in your career and invest your money wisely. Finance personality Jim Cramer has some guidance in that regard.
He told CNBC about a “radical” approach to help everyday investors grow their portfolios and meet their financial goals. Here are the three assets Cramer says to invest in — and what you need to know about them.
■ Trivia
What word did Benjamin Franklin intentionally misspell on money starting in 1739?
A Pennsylvania
B Franklin
C Shilling
D Reign
Scroll for the answer
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■ News
Florida woman becomes fugitive over HOA violations and unpaid fines. What you can learn from her case
The term "fugitive" typically conjures images of bank robbers or violent criminals fleeing across state lines. It rarely brings to mind a homeowner involved in a dispute over property rules.
Ying Pang, a homeowner in Pasco County, claims she is currently in hiding in another state, fearful of returning to her home, after a civil conflict with her Homeowners Association escalated into an active arrest warrant.
Pang’s situation serves as a stark warning to millions of Americans living in community associations. A fight over the rules of your HOA can spiral into civil sanctions — including jail time — if you ignore court orders.
■ Retirement
As Trump takes 2 hard swings at Americans with student loan debt, some are discovering a surprising way out
The Trump administration is taking a harder line on Americans with student loan debt, and borrowers are feeling it from two sides.
On one front, the U.S. Department of Education has slammed the brakes on income-driven repayment. Borrowers who were counting on those plans now face higher payments or a limbo-like forbearance where interest keeps piling up while relief stays out of reach.
At the same time, the government is preparing to restart wage garnishment for borrowers in default as soon as this week. Millions of people are already more than 270 days behind on their loans, putting them at risk of having part of their paycheck seized.
Online, frustration is boiling over. One Reddit user wrote, “Mine will be nearly $500 a month, which is literally impossible for me to pay. I just laugh at it now because simply no way I can afford that. If I tried, my parents and I would be dead before I pay even a quarter of what I owe. It’s a joke.”
Amid the tightening screws, however, a surprising escape hatch is opening. Student loans have long been considered nearly impossible to wipe out through bankruptcy — but that assumption might be outdated.
■ More Moneywise
Taxes: Big changes hit 401(k)s in 2026, including a major tax shift that could affect certain investors. What it means for your money
Retirement: More than 22 million older Americans live alone, are unmarried and don’t have kids. But they’re struggling with rising costs
Real estate: The widow of a telecom tycoon is battling to save her $190M home, accusing a lender of setting up a ‘loan-to-own scheme’
News: Air-safety workers labored through the government shutdown. Now their promised $10K bonus vanished, and they’re furious
■ Trivia Answer
What word did Benjamin Franklin intentionally misspell on money starting in 1739?
A) Pennsylvania
The crafty Founding Father knew that any bill that spelled the word correctly would be easy to identify as fake. Counterfeiters, he figured, would correct the error, assuming the bill they were copying was itself a poorly made forgery. A brilliant trick — either that, or Franklin came up with a really elaborate excuse for an 18th century typo.