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.
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Terry's Columns
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Housing Opportunity?
There is never a good time to buy a home – except in hindsight. As...
Written on June 18, 2025 -
Artificial Intelligence — A New...
Does the concept of Artificial Intelligence (AI) scare you or intimidate you? Or do you...
Written on June 04, 2025 -
We Live in a Digital...
We live in a digital world – especially when it comes to money. And, like...
Written on June 01, 2025 -
I-Bond Update — and Advice
The new rate for Series I bonds purchased after May 1, 2025 is 3.98%. That...
Written on June 01, 2025 -
Student Loans: Do Something Now!
Student loans have been looming in the background for more than five years – ever...
Written on May 27, 2025 -
Know What You Own
In the midst of all the advice about not panicking over stock market volatility, likes...
Written on May 14, 2025 -
Social Security: True or False?
Update: April 28, 2025 The Social Security Administration is backing off a plan it announced...
Written on April 28, 2025 -
The Fine Line Between Fear...
There’s a fine line between fear and optimism, between financial fact and emotion. The whipsaw...
Written on April 28, 2025 -
What are the Odds?
What are the odds? It’s a question you should ask yourself when making any financial...
Written on April 19, 2025 -
Fasten Your Seatbelt — Updates
Update on Thursday, April 10 The shock of the original tariff announcement was equaled and...
Written on April 08, 2025
Ask Terry
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“Social Security for independent contractor”
I’m working as a contracted employee and paying in my portion to Social Security. My.. -
“Best Credit Card for 21 year old college student to graduate in May 2026”
Our son will be 21 in July 2025. He will be a Senior at Purdue.. -
“Back pay and increased monthly because of personal pension.”
Why is Railroad Retirement holding on to my increased social security monthly payment. I have.. -
“Social Security Fairness Act”
I received a check for the period of December 2023-February 2025 based on the Repeal.. -
“Retirement next year”
Hi Terry I am 67 years old . Thinking of retiring next year , last.. -
“Received check, not sure why?”
My husband received a check from U.S. Department of the Treasury Bureau of the Fiscal.. -
“Home Equity”
I heard on WGN (Saturday morning program) a recommendation to secure a home equity to.. -
“Financial investigator?”
Hey Terry, my dad is currently 91 years old and is beginning to have some.. -
“Windfall Elimination money”
I was a substitute teacher, paying into TRS for about 15 years. I am now.. -
“Post Divorce home refi”
Hello – Due to my recent divorce, I am forced to refinance my home loan...
Terry has explained personal finances to employees of organizations large and small, including:
