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Articles by Dalvin Brown
Five things to know about tokenized stocks
Martin Koopman and Ishmael Asad both hold tokenized stocks. Only Koopman is a shareholder. Koopman, chief product officer at financial-technology company Hazeltree, owns tokens of Figure Technology Solutions that provide the same dividend and voting rights as its Nasdaq-listed stock. Asad, a research analyst at Bitwise Asset Management, holds a GameStop token that tracks the stock's price.
Americans can't stop watching videos of people paying down their debt
Facing your debt can be painful. Watching someone else deal with theirs can be gripping. That became clear to Rodney Morgan in July, when he posted a TikTok of himself sitting on a blowup mattress with his head in one hand, and his debt tally of $40,058.44 imposed on the screen. “I'm rebuilding from scratch as a flight attendant and being honest about where I'm starting,” wrote Morgan, a 33-year-old Los Angeles resident.
Americans Can’t Stop Watching Videos of People Paying Down Their Debt
FBI issues warning to every American with a phone: New ‘insidious’ fraud that’s extremely tough to catch. Protect your cash before you get a call A phone call can look official and still put your money in danger. The FBI has issued (1) a warning about an “insidious” new twist on a longstanding …
The surprise Social Security benefit that goes to parents who have kids late
When John Bonadeo called Social Security to inquire about collecting his benefits, the representative asked whether he had any children under the age of 18. That question unlocked a gusher of government money that he hadn't known existed. Bonadeo, a semiretired general contractor who is now 72, and Betty McDonald had six children they had adopted in their 50s. The youngest was 2 years old.
The Surprise Social Security Benefit That Goes to Parents Who Have Kids Late — WSJ
When John Bonadeo called Social Security to inquire about collecting his benefits, the representative asked whether he had any children under the age of 18. That question unlocked a gusher of government money that he hadn't known existed. Bonadeo, a semiretired general contractor who is now 72, and Betty McDonald had six children they had adopted in their 50s. The youngest was 2 years old.
The Surprise Social Security Benefit That Goes to Parents Who Have Kids Late
Social Security recipients can get an additional benefit for dependent children, which alters the calculation about when to draw benefits When John Bonadeo called Social Security to inquire about collecting his benefits, the representative asked whether he had any children under the age of 18. That question unlocked a gusher of government money that he hadn’t known existed. Bonadeo, a semiretired general contractor who is now 72, and Betty McDonald had six children they had adopted in their 50s.
What Fed rate increase means for your money
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What Fed rate increase means for your money
The Federal Reserve's move to raise short-term rates by a quarter percentage point Wednesday is poised to ripple through the banking system and debt markets. Credit card debt, home loans and savings accounts are all likely to react. Here's a breakdown of the impacts: Credit-card borrowers will feel the increase quickly. A quarter-point hike would add about $1.38 a month in interest on the average $6,600 card balance, said Charlie Wise, head of global research at TransUnion.
These Sisters Knew Their Mom Was Being Scammed. Telling Her Was the Hard Part.
By Dalvin Brown Sept. 8, 2026 You suspect your elderly parents are being targeted by financial scammers. Protecting them could require a master course in behavioral science. There is a growing realization that combating scams means understanding the psychology behind why people fall for them. JPMorgan Chase, for example, hired a behavioral scientist in 2024 to help employees talk to customers who might be under a scammer’s influence.
These Sisters Knew Their Mom Was Being Scammed. Telling Her Was the Hard Part.
Loved ones can borrow from the playbooks of banks, which are using behavioral science to guide how they talk with victims You suspect your elderly parents are being targeted by financial scammers. Protecting them could require a master course in behavioral science. There is a growing realization that combating scams means understanding the psychology behind why people fall for them.
The Four Big Money Questions Women Are Asking After Reading ‘Strangers’
Belle Burden’s divorce memoir is prompting readers to look at their finances and prenups Rachel Mendelson/WSJ; iStock, Getty Images Rachel Mendelson/WSJ; iStock, Getty Images Mackenzie Eddie was reading Belle Burden’s runaway hit “Strangers” when she started glaring at her husband. The memoir recounts the sudden collapse of Burden’s marriage, and how financially blindsided she felt by it. Eddie’s husband had never given her a reason to be suspicious.
Banks want technophobes and late adopters to use digital wallets. It isn't easy.
The biggest banks in America move the money behind almost everything you buy. They haven't figured out how to get you to click a button to pay at checkout. The digital wallets that allow online shoppers to click to avoid manually typing in their credit card numbers are largely operated by technology giants like Apple Pay and Google Pay and PayPal. On a small but growing number of sites, you might also find some banks' entry into the field, called Paze. You might scroll right past it.
办过豪华婚礼的人总结出这些花钱教训
在科莫湖畔一座历史悠久的别墅里互致誓言；在封路的第五大道上举行盛大的新郎迎亲游行；在佛罗里达一家顶级豪华度假酒店举办一场宁静的婚礼仪式。 花费巨资举办这类梦幻婚礼的新人们表示，光从照片上根本看不出打造这种童话婚礼背后真正需要付出的代价，比如接送宾客往返城市各地的交通费用，或者在所有宾客离开后突然收到一张10万美元的帐单。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Financial Lessons From People Who Had Lavish Weddings
Four couples give a behind-the-scenes look at what it took to stage their fairy tale weddings Μake us preferred on Google An exchange of vows at a historic villa on Lake Como. A celebratory groom’s procession down a closed off Fifth Avenue. A quiet ceremony at an exclusive luxury resort in Florida.
Financial Lessons From People Who Had Lavish Weddings
Couples who staged high-end weddings say some of the hardest costs to anticipate were the ones that made everything look effortless. Stas Moiseev; P.Taufiq Photography; Sydney Marie Co. An exchange of vows at a historic villa on Lake Como. A celebratory groom’s procession down a closed off Fifth Avenue. A quiet ceremony at an exclusive luxury resort in Florida.
Así gana millones de dólares un hombre vendiendo monedas en directo en internet
Bjorn Bergstrom es numismático y, desde 2011, tiene una tienda especializada en venta de monedas, oro, plata y objetos vintage en Kearney (Nebraska, Estados Unidos) junto a su mujer. Aunque reciben bajo cita previa en su establecimiento, Kearney Coin Center, su mayor volumen de ventas hace tiempo que sucede online. Recientemente, Bergstrom estuvo una semana seguida retransmitiendo en directo las ventas que realizaba, y en el streaming le acompañaban los que ya son sus seguidores habituales.
One man tries to make $2 million selling coins at the internet’s outer limits
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One Man Tries to Make $2 Million Selling Coins at the Internet’s Outer Limits
Bjorn Bergstrom hosting his round-the-clock livestream from the basement of his Kearney, Neb., coin shop. By Dalvin Brown | Photography by Terry A. Ratzlaff for WSJ On a Sunday night in mid-May, Bjorn Bergstrom went down to the basement of his coin shop in Kearney, Neb., switched on his livestream and put a coin on the screen for thousands of strangers to bid on. He had set out to test the limits of a rapidly growing new shopping economy built for today’s social media culture.
关于40岁以后要孩子，读者们怎么说
《华尔街日报》最近发表了一篇文章，探讨了40岁以后为人父母的体验以及随之而来的独特的财务考虑。对此，读者们也有很多话想说。我们采访了其中几位，询问他们会给那些考虑晚育的人们提供什么建议。以下回复经过编辑，以保证篇幅精简和表达清晰。 凯莱布·盛(Caleb Sheng)，44岁，底特律都会区遗产规划律师 我41岁才有了女儿，现在我和伴侣正通过试管婴儿尝试要第二个孩子。年龄越大，受孕越困难，而我们获得的可存活胚胎数量也比医生预期的要少。造成现在这种情况的原因在我。年轻时，我既要努力打拼事业，又要担心今后如何赡养没有退休储蓄的父母。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
在美国，40岁以后生孩子面临怎样的财务现实？
越来越多的人选择在比较大的年纪生育子女，而他们也由此面临一种全新的、往往出乎意料的财务现实。 有些人在承担育儿开支的同时，还要努力增加退休储蓄，或者应对与年龄相关的健康问题。另一些人则在权衡，是否要在步入收入巅峰期之际淡出职场。此外，高龄怀孕往往还伴随着试管婴儿以及卵子和胚胎的储存费用。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Here’s What It’s Like to Have Kids in America After Age 40
More people are becoming parents at older ages, and they are confronting a new and often surprising financial reality. Some are shouldering the costs of raising children while trying to turbocharge their retirement savings or manage age-related health problems. Others are weighing whether to step back from their careers just as they reach peak earning years. Then there are the costs of in vitro fertilization and egg and embryo storage that can accompany later-in-life pregnancies.
Not in crisis, not thriving either
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America’s New Financial Middle: Not in Crisis, Not Thriving Either
In a poll, more than half of respondents consider themselves financially ‘conflicted’ Rising gas and food prices have played into gloomy economic sentiment. Richard B. Levine/Levine Roberts/ZUMA Press Nicholas Wallace, by his own estimation, isn’t experiencing a financial crisis. But he wouldn’t say he is thriving, either. The 34-year-old has a full-time job at a plastics manufacturer, as well as health insurance and a retirement account. He and his wife together make $90,000 a year in Madison, Wis.
The Memorial Day Barbecue Is Starting to Cost a Small Fortune
Caitlin Green pictured 30 people in her backyard for Memorial Day weekend: smashburgers on her new outdoor griddle, a soda bar, a fruit bowl piled with mango and raspberries. Then she priced the ground beef. Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
离婚后“生活降级”是种什么体验
接下来的几周，我们将为您带来系列报道，探讨离婚带来的财务影响。 伊莱亚娜·加西亚(Ileana Garcia)和她的丈夫原本住在一栋殖民时代的五居室砖砌住宅里，餐厅里的饭桌可以容纳12人用餐。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Readers Share Their Advice About Divorce
Child custody hacks, therapy sessions and financial awareness can pave the way for a smoother split Patty Chadwell, Jarrod Jacobi and Kristine Arlitt. Patty Chadwell; Chuck Fitzgerald; Desiree Cofino The Wall Street Journal recently explored the financial repercussions of divorce, including on lifestyles, retirement plans and how children come to view money. Readers’ response to the series was powerful.
The prenup is modernizing. We asked lawyers to build one for us.
Dalvin Brown, Gunjan Banerji, Annie Ng This week, we're bringing you stories about the financial impact of divorce. Prenups are in fashion. They are no longer stodgy arrangements used by the uber-wealthy to wall off their money. Their popularity is growing among everyday Americans. About one in five adults who are either married or engaged had a prenuptial agreement, according to a 2023 survey by Harris Poll.
Seven Surprising Clauses Couples Are Putting Into Their Prenups
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What It’s Actually Like to Downshift Your Life After Divorce
By Dalvin Brown | Photography by Lila Barth for WSJ | Design by Annie Ng This week, we’re bringing you stories about the financial impact of divorce. Ileana Garcia and her husband lived in a five-bedroom brick colonial home with a dining-room table that could seat a dozen people. Just before her divorce was finalized in 2023, she downsized from her home of more than two decades in suburban New York to a nearby apartment.
What it's actually like to downshift your life after divorce
Dalvin Brown, Annie Ng This week, we're bringing you stories about the financial impact of divorce.Ileana Garcia and her husband lived in a five-bedroom brick colonial home with a dining-room table that could seat a dozen people. Just before her divorce was finalized in 2023, she downsized from her home of more than two decades in suburban New York to a nearby apartment. She still likes having people over, but at her 55th birthday party recently, everyone had to crowd around her kitchen island.
Five Unexpected Things People Went to War for in Their Divorce
April 20, 2026 11:45 am ET This week, we’re bringing you stories about the financial impact of divorce. Sometimes, divorcing couples clash over who gets the car or the house. Other times, it’s the collection of refrigerator magnets. Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Microsoft Cares About Your Privacy Five unexpected things people went to war for in their divorce
Use precise geolocation data and actively scan device characteristics for identification. This is done to store and access information on a device and to provide personalised advertising and content, advertising and content measurement, audience research and services development. List of partners (vendors) This week, we're bringing you stories about the financial impact of divorce. Sometimes, divorcing couples clash over who gets the car or the house.
New accounts let teens trade stocks without a parent's approval. What to know.
Dalvin Brown, Hannah Erin Lang A 14-year-old can now buy stocks on the phone without asking a parent, depending on the type of brokerage account families choose. Brokerages are rolling out accounts aimed at teens, giving parents more ways to get kids acquainted with markets before they turn 18. But the options vary in how much control they give, and can have important implications for taxes and financial aid.
New Accounts Let Teens Trade Stocks Without a Parent’s Approval. What to Know.
Options for getting teenagers familiar with markets differ in key ways and have important tax implications An explosion of investing apps is drawing in younger generations. iStock A 14-year-old can now buy stocks on the phone without asking a parent, depending on the type of brokerage account families choose. Brokerages are rolling out accounts aimed at teens, giving parents more ways to get kids acquainted with markets before they turn 18.
The Financial Planning Expert Who’s Boycotting 529s for His Kids
David Blanchett takes the lead on his family’s investment decisions with the goal of financial stability. David Blanchett has spent his career studying how Americans save for major life events. But the money for his own four children to attend college won’t be coming from college-savings plans. 529 accounts allow families to invest money that they can pull out tax-free to spend on college and other educational expenses.
The financial planning expert who's boycotting 529s for his kids
Dalvin Brown, Oyin Adedoyin David Blanchett has spent his career studying how Americans save for major life events. But the money for his own four children to attend college won't be coming from college-savings plans. 529 accounts allow families to invest money that they can pull out tax-free to spend on college and other educational expenses. Blanchett, 44 years old, instead keeps his family's investments in accounts that will incur capital-gains taxes when he sells.
Crypto Fans Have an Alternative to Savings Accounts. Banks Are Freaking Out.
By Dalvin Brown March 6, 2026 Wendy Owuso keeps about a quarter of her cash in stablecoins, earning a yield of about 5%. Her traditional savings accounts pay almost nothing. “I’m gonna go where I’m treated best,” said Owusu, a cryptocurrency analyst and entrepreneur in Los Angeles.
Crypto Fans Have an Alternative to Savings Accounts. Banks Are Freaking Out.
Wendy Owusu keeps about a quarter of her cash in stablecoins, earning a yield of about 5%. Her traditional savings accounts pay almost nothing. “I’m gonna go where I’m treated best,” said Owusu, a cryptocurrency analyst and entrepreneur in Los Angeles. Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
加密货币市场当下的主流情绪：活下去
加密货币市场的狂欢开始让人觉得像是遥远的记忆。 在经历了令人失望的2025年年底后，主要加密货币在新年伊始便萎靡不振。自10月份创下历史新高以来，比特币已下跌约三分之一，其中1月份下跌了4.2%。以太币已从去年夏天的历史高点下跌超过40%。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
The vibe in the crypto market right now: ‘Stay alive’
Global Bitcoin has shed roughly one-third of its value since a high in October. Summary Major cryptocurrencies like bitcoin and ether are languishing this year, while old-fashioned bets such as blue-chip stocks have paid off. This is a Mint Premium article gifted to you. Subscribe to enjoy similar stories. The party in the crypto market is starting to feel like a distant memory. After a disappointing end to 2025, major cryptocurrencies have languished to start the new year.
The vibe in the crypto market right now: 'Stay alive'
The party in the crypto market is starting to feel like a distant memory.After a disappointing end to 2025, major cryptocurrencies have languished to start the new year. Bitcoin has shed roughly one-third of its value since hitting a record high in October, including a 4.2% drop in January.
The Vibe in the Crypto Market Right Now: ‘Stay Alive’
Major cryptocurrencies are languishing this year, while old-fashioned bets such as blue-chip stocks have paid off Bitcoin has shed roughly one-third of its value since a high in October. Michael Nagle/Bloomberg News The party in the crypto market is starting to feel like a distant memory. After a disappointing end to 2025, major cryptocurrencies have languished to start the new year.
株投資シミュレーターで腕磨く米若者
ロバート・リーツさんがこれまでに行った最高の投資は、2021年に高校の投資大会に参加したときの株取引だ。 株式市場のシミュレーターで1カ月のリターンを競う大会で、リーツさんは可能な限りリスクが高い投資の一つとして、偽物のお金で10万ドルをゲームストップの株とオプションに投じた。約2000％のリターンを上げて優勝したが、残念ながら賞金はなかった。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
How young traders use fake money to practice for the real thing
The best trade Robert Reatz ever made was in a high-school investing competition in 2021.The goal was to generate the highest one-month return in a stock-market simulator, so he made one of the riskiest bets he could, putting 100,000 fake dollars into GameStop shares and options. His return of about 2,000% won him the competition but, alas, no prize money.It kind of encouraged very, very risky investment decisions, said Reatz, now 20 and a college student in New York City.
Young Traders Practice With Stock-Market Simulators to Make Risky Bets
Stock-market simulators let people learn and experiment, as well as try out risky bets The best trade Robert Reatz ever made was in a high-school investing competition in 2021. The goal was to generate the highest one-month return in a stock-market simulator, so he made one of the riskiest bets he could, putting 100,000 fake dollars into GameStop shares and options. His return of about 2,000% won him the competition but, alas, no prize money. Copyright ©2026 Dow Jones & Company, Inc.
Want a Free Luxury Trip? Talk to a Credit-Card Rewards Consultant.
Rewards novices are enlisting the help of consultants to land big getaways After Sean Kilachand proposed to his girlfriend, his first thought wasn’t about flowers or venues. It was about all the credit-card points he could reap from the coming nuptials. He turned to a rewards consultant, who helped him map out a game plan for maximizing his credit-card points over the following months. The payoff was a five-night honeymoon in the Maldives. Copyright ©2026 Dow Jones & Company, Inc.
Want a free luxury trip? Talk to a credit-card rewards consultant.
After Sean Kilachand proposed to his girlfriend, his first thought wasnt about flowers or venues. It was about all the credit-card points he could reap from the coming nuptials.He turned to a rewards consultant, who helped him map out a game plan for maximizing his credit-card points over the following months.
Want a Free Luxury Trip? Talk to a Credit-Card Rewards Consultant.
Rocky Mountaineer: The Train Journey You Must Take Once in Your Life A train journey is a window to the world. Like the train across Canada, the Rocky Mountaineer train is a chance to gaze out the window of a train …
She Saved for Years for IVF. A Divorce Jeopardized the Embryos.
Costly and emotionally taxing efforts to have children can be jeopardized when couples split Stephanie Nelson was married for four months. The fight over the embryos she and her ex-husband created lasted for years. Nelson was still married in 2020 when the fertility clinic called her at work with devastating news: Her husband had just requested the destruction of the embryos they created through in vitro fertilization, or IVF.
靠炒股为买房和退休做准备？我们和这些美国青少年聊了聊
米祖·波普(Mizu Pope)还未到投票或驾车的年龄，但可以参与股票交易。当然了，是在一定条件下。 这名来自马萨诸塞州的13岁女孩在买卖股票时须经过母亲同意。她说自己喜欢买那些她常用其产品的公司股票，比如Netflix和麦当劳(McDonald’s)。 Copyright ©2025 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
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