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Terry's Columns
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T-Bills (still) beat most CDs...
U.S. Treasury Bill interest rates are still mostly higher than the comparable bank CDs. As...
Written on March 16, 2026 -
Time to Plan
Given the chaos in the world, when it comes to your personal finances, it’s tempting...
Written on March 15, 2026 -
Avoiding Heartbreak
This breaks my heart. Below are two messages I received recently, describing the compounding of...
Written on March 10, 2026 -
The Great AI Debate
Artificial intelligence is coming faster and more furiously than you might have imagined. It has...
Written on March 04, 2026 -
Taxes for Seniors
In the coming months, millions of seniors will file their tax returns – and many...
Written on February 25, 2026 -
Last Chance for FAFSA
Time is growing short for parents of high school seniors (and those returning to college...
Written on February 24, 2026 -
The Annuity Pitch
A decade ago the insurance industry made a huge annuity sales pitch to pre-retirees, offering...
Written on February 11, 2026 -
The Housing Market
With so much attention focused on the stock market, the housing market has faded into...
Written on February 02, 2026 -
Sell Your Silverware?
With the prices of gold and silver bullion making all-time highs, many people are thinking...
Written on January 29, 2026 -
Why Gold
Gold and silver prices have soared in the midst of global geopolitical uncertainty, concerns about...
Written on January 28, 2026
Ask Terry
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“Motgage payoff”
My current rate is 3.75 , i owe $118,000, should i take the money out.. -
“Is it worthwhile to keep our Group Universal Life Insurance policy?”
We are carrying a Group Universal Life Insurance policy from my husband’s former employer (he.. -
“new medicare card in mail”
I received a new medicare card in the mail with a new number and a.. -
“457b into a Roth ?”
I am 64, have $36k in a 457b and wanted to know if I should.. -
“Financial organizer”
Your article in the Richmond Times Dispatch suggested printing and completing your financial organizer–which is.. -
“RMD/Tax Planning”
I read your column in the Tribune religiously and trust your advice and perspective. Can.. -
“Equity line of credit”
I was approved for an Equity line of credit through with my mortgage company. The.. -
“Durable POA vs Revocable Living Trust”
I just read your recommendations to avoid inheriting a financial mess in our local paper... -
“Financial Organization”
Where is the link to your Financial Organizer? -
“financial organizer”
Can not find financial Organizer. Canyou e-mail to me?
About Terry
Terry Savage is a nationally recognized expert on personal finance, the economy and the markets. She writes a weekly personal finance column syndicated in major newspapers by Tribune Content Agency.
Terry has explained personal finances to employees of organizations large and small, including:
