Julia Carpenter
Wall Street Journal
New York, NY, United States
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Past articles by Julia:
The Fed Rate Pause Won’t End Mortgage Misery
After months of interest-rate increases, the Federal Reserve is taking a breather. → Read More
We Asked Workers Why They’re Not Coming Back to the Office
Terrible commutes. Expensive child care. Employees explain why they will keep working from home. → Read More
Inflation Widens Married Couples’ Money Lead Over Their Single Friends
Rapidly rising prices and more than two years of living in a pandemic increase the financial stress on those without pooled assets. → Read More
So, What’s a Good Raise Right Now?
Inflation has made it harder to know what counts as a decent bump in salary. → Read More
What the Fed Rate Hike Means for Your Savings, Credit Cards and Loans
How to time your financial decisions as interest rates rise. → Read More
The Latest Viral TikTok Challenge Is Saving Cash (Liquor Bottles Optional)
Stashing cash in creative ways not only makes for entertaining videos, but can help forge good financial habits. → Read More
I Plan for Everything. But I Didn’t See Inflation Coming.
Young people have never experienced the economic environment we’re in. And it’s upending the way we look at the future. → Read More
What the Fed’s Interest-Rate Increase Means for Your Mortgage, Loans, Savings
Higher rates could affect how much you pay on your mortgage, credit cards and car loans. → Read More
When Student Loan Debt Paused, These Borrowers Kept Paying
A small but committed percentage of borrowers chose to keep paying during the Biden administration’s student-loan freeze. → Read More
How to Adjust Your Brain for 8.5% Inflation
Prices are changing so quickly, it’s tough to know what’s a good deal right now. → Read More
Americans Are Having an Inflation ‘Aha’ Moment
Many Americans knew inflation was here. But now they say they can feel it—at the gas pump, the local coffee shop and the grocery store. → Read More
What the Fed’s Interest-Rate Increase Means for You
The Fed raised its short-term benchmark rate, which can affect how much you pay on your mortgage, credit cards and more. → Read More
Covid-19 Taught Americans How to Let Go of Their Steady Paychecks
Lots of Americans decided during the pandemic they could do without the security of a regular check. Some say the path has been rewarding but challenging. → Read More
How Rent Hikes Make Buying a House Even Harder
Higher rents are eating into buyers’ down-payment savings, while rising home prices mean they need to come up with a bigger down payment. That puts house hunters in a difficult spot. → Read More
Why Young Adults Are Delaying Parenthood
One discouraged friend told me that having a baby now doesn’t feel “financially safe.” → Read More
Consider This Your Permission to Spend More in 2022
Inflation and other factors likely mean you’ll spend more in 2022. Here’s why that’s OK. → Read More
NFTs and Cryptocurrencies Replace Cash as a New Holiday Gift
Cash tucked inside a Hallmark card is a present that is reliable and traditional. Nonfungible tokens and digital money are now an option for more adventurous gift givers, but it takes some planning. → Read More
Covid-19 Made Americans Into Super Savers. Now They’re Hoarding Cash.
The lingering pandemic has made many people too nervous about potential worst-case scenarios to dip into their savings. → Read More
In Inflation Denial? You’re Not Alone in Wanting to Keep Your Budget the Same
People are paying higher prices for groceries, gas and holiday gifts, yet many are living and spending as if it isn’t happening. → Read More
Johnson & Johnson Is Becoming Two Companies. What Happens to My Stock?
How individual shareholders, who can expect to own shares in both, are affected by the news. → Read More