Financial toughness for the middle class is less about luck and more about repeatable habits that protect every paycheck.

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Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Xavier Lorenzo / GettyImages If you're looking for a loan, finding the most affordable ...

Carol M. Kopp edits features on a wide range of subjects for Investopedia, including investing, personal finance, retirement planning, taxes, business management, and career development. Betsy began ...

Robin has worked as a credit cards, editor and spokesperson for over a decade. Prior to Forbes Advisor, she also covered credit cards and related content for other national web publications including ...

Marcus’ CDs come with a guarantee that lets you earn the highest rate offered within 10 days of opening an account — not all financial institutions offer this kind of assurance. CDs are available in a ...

Lauren Graves is an educator-turned-editor specializing in personal finance content. She seeks to make complicated topics easier to understand and less intimidating to the average reader with accurate ...

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.