999. Laura reviews what you should know about using a high-yield savings account (HYSA) and six tips for choosing the best one.

Find a transcript here.

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998. How much do you really need to retire? Should you always buy term life insurance? In episode 998, Money Girl Laura Adams audits 8 popular financial rules of thumb to see if they hold up in today’s economy.

What you’ll learn:

• The Rule of 72: How to calculate when your money will double.
• The DIME Method: A smarter way to calculate life insurance than "10x your income."
• Emergency Fund Math: Why 3 months might not be enough for you.
• Investing Allocations: Why "100 minus your age" is likely too conservative for 2026.
• Retirement Readiness: Understanding the "Multiplier of 25" and the 4% withdrawal rule.

Don't follow a rule just because it's famous—follow it because it works for your life.

Find a transcript here.

Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.

Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.

Money Girl is a part of Quick and Dirty Tips.

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997. A single swipe could drain your checking account. Laura Adams reveals 10 dangerous situations where using a debit card exposes you to unlimited liability and how to protect your hard-earned cash from cybercriminals and skimmers.

Find a transcript here.

Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.

Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.

Money Girl is a part of Quick and Dirty Tips.

Links:

https://www.quickanddirtytips.com/

https://www.quickanddirtytips.com/money-girl-newsletter

https://www.facebook.com/MoneyGirlQDT

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.