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                    <title><![CDATA[ Latest from Kiplinger in Banking ]]></title>
                <link>https://www.kiplinger.com/personal-finance/banking</link>
        <description><![CDATA[ All the latest banking content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Wed, 08 Apr 2026 10:15:00 +0000</lastBuildDate>
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                                <item>
                                                            <title><![CDATA[ Gen Z Is Changing Retirement Saving. Here's What Millennials Can Learn ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings/gen-z-retirement-savings-strategy-is-changing</link>
                                                                            <description>
                            <![CDATA[ Rising costs and shifting priorities are changing how younger workers save. Here's what it means for your long-term plan. ]]>
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                                                                        <pubDate>Wed, 08 Apr 2026 10:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Home Savings]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/MXzRSNwsRXuoZJujhr3tQF-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Close-up of a woman reviewing receipts while holding a smartphone beside an open laptop at a cozy desk. ]]></media:description>                                                            <media:text><![CDATA[Close-up of a woman reviewing receipts while holding a smartphone beside an open laptop at a cozy desk. ]]></media:text>
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                                                            <title><![CDATA[ How to De-Risk Your Portfolio in 5 Different Scenarios ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/investing/how-to-de-risk-your-portfolio-in-different-scenarios</link>
                                                                            <description>
                            <![CDATA[ If you're worried about the market or your personal circumstances, take these steps to help you sleep at night. ]]>
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                                                                        <pubDate>Mon, 06 Apr 2026 09:35:00 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Apr 2026 19:07:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Bonds]]></category>
                                                    <category><![CDATA[ETFs]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                <author><![CDATA[ nellie.huang@futurenet.com (Nellie S. Huang) ]]></author>                    <dc:creator><![CDATA[ Nellie S. Huang ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/how-to-de-risk-your-portfolio-dJk7NSmqnbSzcwVFG84Rik-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images/fStop]]></media:credit>
                                                                                                                                                                        <media:description><![CDATA[Bear chasing businessman investor with money briefcase on blue background]]></media:description>                                                            <media:text><![CDATA[KPF571.derisk_portfolio.bearmarketGetty2190439489]]></media:text>
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                                                            <title><![CDATA[ Money Market Accounts vs No-Penalty CDs: Which Is the Best Way to Grow My Cash? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/money-market-accounts-vs-no-penalty-cds</link>
                                                                            <description>
                            <![CDATA[ Explore how both of these options can help you reach your savings goals and when to use each. ]]>
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                                                                        <pubDate>Thu, 02 Apr 2026 14:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/nQCq8wAmV34o7VPvEjHdRW-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[a happy couple saving money]]></media:description>                                                            <media:text><![CDATA[a happy couple saving money]]></media:text>
                                <media:title type="plain"><![CDATA[a happy couple saving money]]></media:title>
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                                                            <title><![CDATA[ Trump Accounts Are a Great Start, But They Could Be Better ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings/how-trump-accounts-could-be-better</link>
                                                                            <description>
                            <![CDATA[ Trump accounts are a sound enough idea, except that future withdrawals will be taxable. One solution would be to give them a Roth-style tax-free structure. ]]>
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                                                                        <pubDate>Thu, 02 Apr 2026 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Adam Bergman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SJBBZLGEmrbos3QVKgMRQ8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Close up of parent and child&#039;s hands holding a white piggy bank]]></media:description>                                                            <media:text><![CDATA[Close up of parent and child&#039;s hands holding a white piggy bank]]></media:text>
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                                                            <title><![CDATA[ The Best Savings Accounts for Retirees to Maximize Your Cash ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/the-best-savings-accounts-for-retirees</link>
                                                                            <description>
                            <![CDATA[ For retirees seeking less risky savings options, here are a few recommendations based on your preferences. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Mon, 30 Mar 2026 10:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 30 Mar 2026 18:38:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/cjKdqw4j2V4y48bGr396KZ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[a happy couple celebrating good news]]></media:description>                                                            <media:text><![CDATA[a happy couple celebrating good news]]></media:text>
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                                                            <title><![CDATA[ AI is Making Your Local Financial Institution More Human, Not Less ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/banking/ai-artificial-intelligence-at-local-financial-institutions</link>
                                                                            <description>
                            <![CDATA[ Community banks and credit unions can use AI to free up employees' time, allowing them to focus on customer relationships and maintain the human touch you value. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Thu, 26 Mar 2026 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Desmond ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/de3pSYEMs48HN5tGy995HG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Customer shaking hands with bank teller at bank counter]]></media:description>                                                            <media:text><![CDATA[Customer shaking hands with bank teller at bank counter]]></media:text>
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                                                            <title><![CDATA[ Jumbo CD vs High-Yield Savings: Which is the Best Place to Store $100k? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/jumbo-cd-vs-high-yield-savings-100k</link>
                                                                            <description>
                            <![CDATA[ If you're looking to stash some cash in a less risky venture, I'll break down two of the best accounts to consider. ]]>
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                                                                        <pubDate>Fri, 20 Mar 2026 14:54:06 +0000</pubDate>                                                                                                                                <updated>Mon, 30 Mar 2026 18:23:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xVvHikfEupav6CFBVfWWYH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Three piggy banks with question marks as a person decides which bank to deposit a coin]]></media:description>                                                            <media:text><![CDATA[Three piggy banks with question marks as a person decides which bank to deposit a coin]]></media:text>
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                                                            <title><![CDATA[ What Your Tax Refund Could Earn Instead of Sitting With the IRS ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-much-your-tax-refund-could-earn</link>
                                                                            <description>
                            <![CDATA[ Many taxpayers celebrate a large refund. But that same money might have quietly earned interest or investment returns all year long. ]]>
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                                                                        <pubDate>Sat, 14 Mar 2026 10:45:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/EJyVKHiqCyELWB7fp7EPvW-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A tax form, calculator, cash and a pen sitting on a desk. ]]></media:description>                                                            <media:text><![CDATA[A tax form, calculator, cash and a pen sitting on a desk. ]]></media:text>
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                                                            <title><![CDATA[ The Best Saving and Investing Advice of All Time ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/the-best-saving-and-investing-advice-of-all-time</link>
                                                                            <description>
                            <![CDATA[ Investing greats, renowned economists, top advisers and other experts share their favorite saving and investing wisdom, both given and received. ]]>
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                                                                        <pubDate>Wed, 11 Mar 2026 09:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 16 Mar 2026 14:30:49 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                                    <dc:creator><![CDATA[ Ellen Chang ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YLrgEjojUp2uc4yZwVwnHK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woman putting coin into a golden piggy bank.]]></media:description>                                                            <media:text><![CDATA[Woman putting coin into a golden piggy bank.]]></media:text>
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                                                            <title><![CDATA[ Obsessed With Rate Moves? This Financial CEO Explains How to Focus Less on the Fed ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/interest-rates/how-to-focus-less-on-the-feds-interest-rate-moves</link>
                                                                            <description>
                            <![CDATA[ Reshuffling funds to get higher yields? Holding out for the right time to borrow? A durable plan for your cash means you can stop obsessing over interest rates. ]]>
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                                                                        <pubDate>Tue, 10 Mar 2026 09:45:00 +0000</pubDate>                                                                                                                                <updated>Wed, 11 Mar 2026 21:48:28 +0000</updated>
                                                                                                                                            <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kevin Brauer, MBA, CPA, CMA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7AXnu92xzRfKKvkasR22wh-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Metallic Federal Reserve System Over Financial Chart Background]]></media:description>                                                            <media:text><![CDATA[Metallic Federal Reserve System Over Financial Chart Background]]></media:text>
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                                                            <title><![CDATA[ Women Are Strong Savers. So, Why Do Their Balances Often Lag Behind? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/women-are-strong-savers-so-why-do-their-balances-often-lag-behind</link>
                                                                            <description>
                            <![CDATA[ Many women are consistent savers, but long-term balances don't always reflect those habits. Here's what's behind the gap — and what can help change it. ]]>
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                                                                        <pubDate>Thu, 05 Mar 2026 11:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FeBaVRYM7bkCvJJ7ZfbhX3-1280-80.jpg">
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                                                            <title><![CDATA[ How Much Savings Do You Actually Need to Feel Financially Secure? Start With These 3 Benchmarks ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings/how-much-savings-do-you-need-to-feel-financially-secure</link>
                                                                            <description>
                            <![CDATA[ From your first $1,000 cushion to a full emergency fund, here's how to build savings in stages and why each level matters. ]]>
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                                                                        <pubDate>Sat, 28 Feb 2026 12:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TJSwRs9yrA8tsqrvXn2Dzc-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Couple saving money together for financial future]]></media:description>                                                            <media:text><![CDATA[Couple saving money together for financial future]]></media:text>
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                                                            <title><![CDATA[ The Wealth-Building Roadmap That Works at Any Age ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings/wealth-building-roadmap-for-any-age</link>
                                                                            <description>
                            <![CDATA[ A phase-based approach tied to your finances — not your birth year — can help you build wealth whether you’re just starting out or catching up. ]]>
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                                                                        <pubDate>Sat, 28 Feb 2026 12:10:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CjTvDxX8VeFxWCk3YqSa56-1280-80.jpg">
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                                                            <title><![CDATA[ The Best Short-Term CD for Your Cash in 2026  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/the-best-short-term-cd-for-your-cash-in-2026</link>
                                                                            <description>
                            <![CDATA[ This strategy can help you earn thousands in months. ]]>
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                                                                        <pubDate>Thu, 26 Feb 2026 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AB2gN45QBzSSFCoDdqT2jk-1280-80.jpg">
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                                                            <title><![CDATA[ 3 Reasons to Use a 5-Year CD As You Approach Retirement  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/reasons-to-use-a-5-year-cd-as-you-approach-retirement</link>
                                                                            <description>
                            <![CDATA[ A five-year CD can help you reach other milestones as you approach retirement. ]]>
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                                                                        <pubDate>Thu, 05 Feb 2026 11:15:00 +0000</pubDate>                                                                                                                                <updated>Wed, 11 Feb 2026 20:35:24 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/VR4AgYCi5y5XmUxo2Cjcr5-1280-80.jpg">
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                                                            <title><![CDATA[ The Cost of Leaving Your Money in a Low-Rate Account ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/the-cost-of-low-rate-savings-accounts</link>
                                                                            <description>
                            <![CDATA[ Why parking your cash in low-yield accounts could be costing you, and smarter alternatives that preserve liquidity while boosting returns. ]]>
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                                                                        <pubDate>Wed, 04 Feb 2026 12:05:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/D9Si3dpeDNjuNwuihLGE7C-1280-80.jpg">
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                                                            <title><![CDATA[ 4 Psychological Tricks to Save More in 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/psychological-tricks-to-save-more-this-year</link>
                                                                            <description>
                            <![CDATA[ Psychology and money are linked. Learn how you can use this to help you save more throughout 2026. ]]>
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                                                                        <pubDate>Sat, 31 Jan 2026 13:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Feb 2026 19:18:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4HqLftADuyoe6up3NHASEK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A smiling young man in a yellow sweater holds his phone and smiles, with a laptop and cup of coffee in front of him.]]></media:description>                                                            <media:text><![CDATA[A smiling young man in a yellow sweater holds his phone and smiles, with a laptop and cup of coffee in front of him.]]></media:text>
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                                                            <title><![CDATA[ Trump Nominates Kevin Warsh to Fed Chair. How Will This Impact Savers? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/warsh-nomination-fed-impact-on-savers</link>
                                                                            <description>
                            <![CDATA[ Here's a look at how Warsh could influence future Fed policy if he's confirmed. ]]>
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                                                                        <pubDate>Fri, 30 Jan 2026 16:07:42 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Politics]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZGGtPLwFZDwgt9rbeTwaRH-1280-80.jpg">
                                                            <media:credit><![CDATA[Alamy]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[a picture of Kevin Warsh at the podium ]]></media:description>                                                            <media:text><![CDATA[a picture of Kevin Warsh at the podium ]]></media:text>
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                                                            <title><![CDATA[ 3 Steps to Keep Your Digital Data Safe, Courtesy of a Financial Planner ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/investing/online-brokers/how-to-keep-your-digital-data-safe</link>
                                                                            <description>
                            <![CDATA[ As data breaches and cyberattacks increase, it's vital to maintain good data hygiene and reduce your personal information footprint. Find out how. ]]>
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                                                                        <pubDate>Thu, 29 Jan 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Online Brokers]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Online Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ scummings@halberthargrove.com (Shane W. Cummings, CFP®, AIF®) ]]></author>                    <dc:creator><![CDATA[ Shane W. Cummings, CFP®, AIF® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Fgo4gmVDVMKJCzqvhCUMua-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Female hands typing on a laptop in neon light. A lock as a symbol of cybersecurity on a foreground.]]></media:description>                                                            <media:text><![CDATA[Female hands typing on a laptop in neon light. A lock as a symbol of cybersecurity on a foreground.]]></media:text>
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                                                            <title><![CDATA[ I'm a Financial Adviser: Here's How to Earn a Fistful of Interest on Your Cash in 2026 (Just Watch Out for the Taxes)  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/interest-rates/how-to-earn-a-fistful-of-interest-on-your-cash</link>
                                                                            <description>
                            <![CDATA[ Is your cash earning very little interest? With rates dropping below 4%, now is the time to lock in your cash strategy. Just watch out for the tax implications. ]]>
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                                                                        <pubDate>Mon, 12 Jan 2026 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[High Yield Savings Accounts]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ info@KeilFP.com (Jeremy Keil, CFP®, CFA®, CKA®) ]]></author>                    <dc:creator><![CDATA[ Jeremy Keil, CFP®, CFA®, CKA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9nKguUfMnJxVZgJxdqVEtA-1280-80.jpg">
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                                                            <title><![CDATA[ Why Your Bank Suddenly Lowered Your APY — And What to Do Next ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/why-your-bank-suddenly-lowered-your-apy-and-what-to-do-next</link>
                                                                            <description>
                            <![CDATA[ Why banks lower APYs, options you can explore when it happens and whether more rate cuts are on the horizon. ]]>
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                                                                        <pubDate>Thu, 08 Jan 2026 13:10:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/z9g8SJzvYrZJkEHhGYz49n-1280-80.jpg">
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                                                            <title><![CDATA[ Where to Stash Cash as Yields Fall, According to Advisers ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings/where-to-stash-cash-as-yields-fall-according-to-advisers</link>
                                                                            <description>
                            <![CDATA[ Your best options depend on how soon you'll need the money and your tolerance for risk. ]]>
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                                                                        <pubDate>Tue, 30 Dec 2025 15:05:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Economy]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kerri Anne Renzulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YzfzkEft543CxbwyTCtXuc-1280-80.jpg">
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                                                            <title><![CDATA[ I'm a Financial Pro: You Really Can Make New Year's Money Resolutions That Stick (and Just Smile as Quitter's Day Goes By) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-plans/new-years-money-resolutions-that-stick</link>
                                                                            <description>
                            <![CDATA[ The secret to keeping your New Year's financial resolutions? Just make your savings and retirement contributions 100% automatic. ]]>
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                                                                        <pubDate>Tue, 30 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Traditional IRA]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                                    <dc:creator><![CDATA[ James Martielli, CFA®, CAIA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kxbdrLuuUdQqQoRyqBJ634-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Silver balloons spell out 2026 against a red background and confetti.]]></media:description>                                                            <media:text><![CDATA[Silver balloons spell out 2026 against a red background and confetti.]]></media:text>
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                                                            <title><![CDATA[ Do You Have a CD Maturing Soon? Here's What to Do Next  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/cd-maturing-soon-what-to-do-next</link>
                                                                            <description>
                            <![CDATA[ These strategies of what to do when you have a CD maturing soon will have you maximizing returns even with rate cuts. ]]>
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                                                                        <pubDate>Sun, 28 Dec 2025 15:10:00 +0000</pubDate>                                                                                                                                <updated>Wed, 31 Dec 2025 00:29:56 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/s8upEtJW4RRTUufn7v7GWS-1280-80.jpg">
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                                                            <title><![CDATA[ How to Open and Maintain an Online Savings Account Safely ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/how-to-open-and-maintain-an-online-savings-account</link>
                                                                            <description>
                            <![CDATA[ Online banks offer generous APYs that most brick-and-mortar banks can't match. If you want to make the switch to online but have been hesitant, I'll show you how to do it safely. ]]>
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                                                                        <pubDate>Sat, 27 Dec 2025 11:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 05 Jan 2026 19:37:39 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5UQbmvjJpZfqtWn5RReQS8-1280-80.jpg">
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                                                            <title><![CDATA[ Introducing Your CD's Edgier Cousin: The Market-Linked CD ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/investing/all-about-market-linked-cds</link>
                                                                            <description>
                            <![CDATA[ Traditional CDs are a safe option for savers, but they don't always beat inflation. Should you try their counterparts, market-linked CDs, for better returns? ]]>
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                                                                        <pubDate>Wed, 24 Dec 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[CD Rates]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ bill@williamskillender.com (William Skillender) ]]></author>                    <dc:creator><![CDATA[ William Skillender ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/i8tPaggGUYiuyP6ZdbD42S-1280-80.jpg">
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                                                            <title><![CDATA[ Here's How Much You Can Earn with a $100,000 Jumbo CD ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/how-much-you-can-earn-with-a-usd100-000-jumbo-cd</link>
                                                                            <description>
                            <![CDATA[ You might be surprised at how fast a jumbo CD helps you reach your goals. ]]>
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                                                                        <pubDate>Mon, 22 Dec 2025 13:21:51 +0000</pubDate>                                                                                                                                <updated>Mon, 22 Dec 2025 22:01:15 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PEL5VUkSiNVdtoAoHFUZrb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[a couple sitting on a piggy bank ]]></media:description>                                                            <media:text><![CDATA[a couple sitting on a piggy bank ]]></media:text>
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                                                            <title><![CDATA[ Online Banks Still Lead on Rates, But Is Switching Worth it Now? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/online-banking/online-banks-rates-worth-switching</link>
                                                                            <description>
                            <![CDATA[ As interest rates trend down, online banks keep an edge on yields, but service, access and flexibility still matter. Here’s how the trade-offs stack up. ]]>
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                                                                        <pubDate>Thu, 18 Dec 2025 14:30:45 +0000</pubDate>                                                                                                                                <updated>Thu, 05 Mar 2026 21:20:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Online Banking]]></category>
                                                    <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ypG3Bgvo74pP5sQo2CufQB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Man checking his online banking account via smart phone app ]]></media:description>                                                            <media:text><![CDATA[Man checking his online banking account via smart phone app ]]></media:text>
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                                                            <title><![CDATA[ 4 Great Tools to DIY Your Own Financial Plan ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/diy-financial-plan-tools</link>
                                                                            <description>
                            <![CDATA[ Several tools picked out by Kiplinger that DIYers can use to make their own financial plan. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 17 Dec 2025 13:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Online Banking]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                                    <dc:creator><![CDATA[ Chris Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yaxc4CZJHyh8565pPcUbWo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Mature cafe owner sitting at table by bright window in cafe using laptop looking at plans.]]></media:description>                                                            <media:text><![CDATA[Mature cafe owner sitting at table by bright window in cafe using laptop looking at plans.]]></media:text>
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                                                            <title><![CDATA[ Should You Renew Your CD?  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/should-you-renew-your-cd</link>
                                                                            <description>
                            <![CDATA[ With rate cuts impacting earnings, we examine if now is a wise time to renew CDs. ]]>
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                                                                        <pubDate>Tue, 16 Dec 2025 15:25:38 +0000</pubDate>                                                                                                                                <updated>Mon, 22 Dec 2025 14:57:50 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/tUNwpoNLkVf2EJW8fbvqpR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman sitting at her kitchen table reading a document ]]></media:description>                                                            <media:text><![CDATA[A woman sitting at her kitchen table reading a document ]]></media:text>
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                                                            <title><![CDATA[ Where to Store Your Cash in 2026 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/where-to-store-your-cash-in-2026</link>
                                                                            <description>
                            <![CDATA[ Set yourself up for success with these strategies. ]]>
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                                                                        <pubDate>Tue, 16 Dec 2025 12:10:00 +0000</pubDate>                                                                                                                                <updated>Mon, 22 Dec 2025 16:03:28 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qeyMVmw22Aea7NhTpoKbw4-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[an animated person jumping up in the air with dollar sign icons around him]]></media:description>                                                            <media:text><![CDATA[an animated person jumping up in the air with dollar sign icons around him]]></media:text>
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                                                            <title><![CDATA[ I'm a Financial Adviser: The Fed's Rate Cuts Could Have Impacts You Might Not Anticipate ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/interest-rates/feds-rate-cuts-could-have-impacts-you-might-not-anticipate</link>
                                                                            <description>
                            <![CDATA[ Understanding how lower interest rates could impact your wallet can help you determine the right financial moves to make. ]]>
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                                                                        <pubDate>Mon, 15 Dec 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ alexastin@burnsestateplanning.com (Alex Astin, MBA, CEP®, IAR) ]]></author>                    <dc:creator><![CDATA[ Alex Astin, MBA, CEP®, IAR ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/DKBAwCdMoXFZGMZZWBn9Be-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple look at a laptop together at the kitchen table.]]></media:description>                                                            <media:text><![CDATA[An older couple look at a laptop together at the kitchen table.]]></media:text>
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                                                            <title><![CDATA[ CD vs. Money Market: Where to Put Your Year-End Bonus Now ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/year-end-bonus-cd-vs-money-market</link>
                                                                            <description>
                            <![CDATA[ Falling interest rates have savers wondering where to park cash. Here's how much $10,000 earns in today's best CDs versus leading money market accounts. ]]>
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                                                                        <pubDate>Tue, 09 Dec 2025 14:28:55 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[salaries]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/85FBGv2GayUYV5BDLYBYhj-1280-80.jpg">
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                                                            <title><![CDATA[ How Are I Bonds Taxed? 8 Common Situations to Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/how-i-bonds-are-taxed</link>
                                                                            <description>
                            <![CDATA[ Series I U.S. savings bonds are a popular investment, but the federal income tax consequences are anything but straightforward. ]]>
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                                                                        <pubDate>Mon, 01 Dec 2025 18:07:00 +0000</pubDate>                                                                                                                                <updated>Mon, 01 Dec 2025 18:16:32 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Savings Bonds]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                <author><![CDATA[ joy.taylor@futurenet.com (Joy Taylor) ]]></author>                    <dc:creator><![CDATA[ Joy Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/y4Vq5varBsygvqHSgprfak-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[closeup of Series I government savings bonds]]></media:description>                                                            <media:text><![CDATA[closeup of Series I government savings bonds]]></media:text>
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                                                            <title><![CDATA[ How to Position Your Portfolio for Lower Interest Rates ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/investing/how-to-position-your-portfolio-for-lower-interest-rates</link>
                                                                            <description>
                            <![CDATA[ The Federal Reserve is far from done with its rate-cutting regime. This is how investors can prepare. ]]>
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                                                                        <pubDate>Sun, 30 Nov 2025 12:03:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[ETFs]]></category>
                                                    <category><![CDATA[Bonds]]></category>
                                                    <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Anne Kates Smith) ]]></author>                    <dc:creator><![CDATA[ Anne Kates Smith ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9wZdXyxSmFhn4X7nJ5mTYj-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A representation of an interest rate cut. A percentage sign has a dotted line running through it. On one side is a pair of scissors and the other says &quot;cut here.&quot;]]></media:description>                                                            <media:text><![CDATA[A representation of an interest rate cut. A percentage sign has a dotted line running through it. On one side is a pair of scissors and the other says &quot;cut here.&quot;]]></media:text>
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                                                            <title><![CDATA[ How to Skip Fees at the Bank ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/banking/how-to-skip-fees-at-the-bank</link>
                                                                            <description>
                            <![CDATA[ You can steer clear of fees, especially if you choose your account wisely. Here are some tips to keep them at bay. ]]>
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                                                                        <pubDate>Fri, 21 Nov 2025 12:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Online Banking]]></category>
                                                    <category><![CDATA[credit union]]></category>
                                                    <category><![CDATA[Checking Accounts]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/H449FebbHmL5JXzf23hZp8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman uses the calculator app on her phone while sitting at a table in an office.]]></media:description>                                                            <media:text><![CDATA[A woman uses the calculator app on her phone while sitting at a table in an office.]]></media:text>
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                                                            <title><![CDATA[ Want to Change Banks? Try This 'Soft' Strategy ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/want-to-change-banks-try-soft-switching-strategy</link>
                                                                            <description>
                            <![CDATA[ The "soft switching" banking trend allows you to explore a new bank account while keeping your primary one. See how it could benefit you. ]]>
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                                                                        <pubDate>Thu, 20 Nov 2025 11:14:00 +0000</pubDate>                                                                                                                                <updated>Mon, 01 Dec 2025 16:47:55 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/E4rVvYUrYmPkcsPtP3K53g-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[a pic of a surprised woman reading a bill]]></media:description>                                                            <media:text><![CDATA[a pic of a surprised woman reading a bill]]></media:text>
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                                                            <title><![CDATA[ I'm the CEO of a Credit Union: This Is What We Do to Earn Our Members' Trust ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-union/what-credit-unions-do-to-earn-members-trust</link>
                                                                            <description>
                            <![CDATA[ What people want most from their financial institutions is a financial partner that listens, responds and acts with their best interests at heart. ]]>
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                                                                        <pubDate>Tue, 18 Nov 2025 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[credit union]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kevin Brauer, MBA, CPA, CMA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Ak7u6kbeq7K3iWzwFKNja3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Credit union customers chat with a banking professional at a table in a credit union.]]></media:description>                                                            <media:text><![CDATA[Credit union customers chat with a banking professional at a table in a credit union.]]></media:text>
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                                                            <title><![CDATA[ What's Next for the Fed — as an Institution? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/interest-rates/whats-next-for-the-fed-as-an-institution</link>
                                                                            <description>
                            <![CDATA[ The U.S. central bank was already contending with economic challenges. Now comes a political one. ]]>
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                                                                        <pubDate>Thu, 13 Nov 2025 11:05:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Anne Kates Smith) ]]></author>                    <dc:creator><![CDATA[ Anne Kates Smith ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/DTQSQ8BUqbdzusF9KiVQuh-1280-80.jpg">
                                                            <media:credit><![CDATA[Celal Gunes/Anadolu Agency via Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Closeup of the seal for the US Federal Reserve board of governors]]></media:description>                                                            <media:text><![CDATA[Closeup of the seal for the US Federal Reserve board of governors]]></media:text>
                                <media:title type="plain"><![CDATA[Closeup of the seal for the US Federal Reserve board of governors]]></media:title>
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                                                            <title><![CDATA[ No-Penalty CD or High-Yield Savings? What Works Best Now ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/no-penalty-cd-or-high-yield-savings</link>
                                                                            <description>
                            <![CDATA[ Discover which option can help you reach your savings goals quickly. ]]>
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                                                                        <pubDate>Wed, 12 Nov 2025 11:33:00 +0000</pubDate>                                                                                                                                <updated>Thu, 13 Nov 2025 18:36:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/taZ6a8ywXuNrLqfCY7XgPS-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple discussing their finances at a desk. ]]></media:description>                                                            <media:text><![CDATA[A couple discussing their finances at a desk. ]]></media:text>
                                <media:title type="plain"><![CDATA[A couple discussing their finances at a desk. ]]></media:title>
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                                                            <title><![CDATA[ I Inherited $50,000, and My Retirement is Fully Funded. Where's the Best Place to Store It for Maximum Growth? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/i-inherited-usd50-000-and-my-retirement-is-fully-funded-wheres-the-best-place-to-store-it-for-maximum-growth</link>
                                                                            <description>
                            <![CDATA[ These savings solutions can help you maximize returns without the risk. ]]>
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                                                                        <pubDate>Thu, 06 Nov 2025 21:03:59 +0000</pubDate>                                                                                                                                <updated>Mon, 17 Nov 2025 20:26:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JoFaEJotfHHybhYJG2VKeN-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[a happy chap reading some good news]]></media:description>                                                            <media:text><![CDATA[a happy chap reading some good news]]></media:text>
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                                                            <title><![CDATA[ What You Learn Becoming Your Mother's Financial Caregiver ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/estate-planning/what-you-learn-becoming-your-mothers-financial-caregiver</link>
                                                                            <description>
                            <![CDATA[ Writer and certified financial planner Beth Pinsker talks to Kiplinger about caring for her mother and her new book. ]]>
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                                                                        <pubDate>Sun, 02 Nov 2025 14:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Cameron Huddleston ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/F6cEPhWNhH69SAMcgSrdmi-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman hugs her mother. ]]></media:description>                                                            <media:text><![CDATA[A woman hugs her mother. ]]></media:text>
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                                                            <title><![CDATA[ Where You Choose to Stash $100k Now Comes with a Big Opportunity Cost ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/where-to-stash-100k-now-before-you-could-lose-thousands</link>
                                                                            <description>
                            <![CDATA[ The Fed recently cut rates. Here's where to maximize your savings while rates remain higher. ]]>
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                                                                        <pubDate>Wed, 29 Oct 2025 19:51:50 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wPAsmQWoJzp6jskiLuEgW5-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[a picture of a happy couple saving money]]></media:description>                                                            <media:text><![CDATA[a picture of a happy couple saving money]]></media:text>
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                                                            <title><![CDATA[ Avoid These Four Mistakes in the Run Up to Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/happy-retirement/avoid-these-mistakes-in-the-run-up-to-retirement</link>
                                                                            <description>
                            <![CDATA[ You can learn a thing or two from the retirees who went before you. ]]>
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                                                                        <pubDate>Thu, 23 Oct 2025 13:15:00 +0000</pubDate>                                                                                                                                <updated>Thu, 23 Oct 2025 14:12:34 +0000</updated>
                                                                                                                                            <category><![CDATA[Happy Retirement]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ymw6RdzjmnJg3WvmSDKMsX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Couple walking on the beach ]]></media:description>                                                            <media:text><![CDATA[Couple walking on the beach ]]></media:text>
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                                                            <title><![CDATA[ Where to Deposit Your Social Security Check  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/where-to-deposit-your-social-security-check</link>
                                                                            <description>
                            <![CDATA[ If you receive Social Security checks, where you deposit them matters because it can help grow your earnings. See the best options. ]]>
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                                                                        <pubDate>Thu, 23 Oct 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/k2NFqzZzSBnTS3btpxzndG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[a picture of a man thinking of questions next to a piggy bank]]></media:description>                                                            <media:text><![CDATA[a picture of a man thinking of questions next to a piggy bank]]></media:text>
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                                                            <title><![CDATA[ Dave Ramsey Tells Us the Biggest Retirement Mistake You Can Make ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/dave-ramsey-tells-us-the-biggest-retirement-mistake-you-can-make</link>
                                                                            <description>
                            <![CDATA[ The talk-show host, author and podcaster tells Kiplinger what people can do to ensure a happy retirement. ]]>
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                                                                        <pubDate>Mon, 20 Oct 2025 10:15:00 +0000</pubDate>                                                                                                                                <updated>Fri, 31 Oct 2025 17:08:14 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/U4ngDaQYht92kMvYi3624b-1280-80.png">
                                                            <media:credit><![CDATA[Ramsey Solutions]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Dave Ramsey]]></media:description>                                                            <media:text><![CDATA[Dave Ramsey]]></media:text>
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                                                            <title><![CDATA[ Top Places to Park $10K (or More) as Rates Start to Fall ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/top-places-to-park-10k-or-more-as-rates-start-to-fall</link>
                                                                            <description>
                            <![CDATA[ With more rate cuts upcoming, here are some smart places to maximize your savings on $10,000. ]]>
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                                                                        <pubDate>Thu, 16 Oct 2025 18:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XCGsqj5MvaGvv8nGAKPRBd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[a man shakes and listens to his piggy bank]]></media:description>                                                            <media:text><![CDATA[a man shakes and listens to his piggy bank]]></media:text>
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                                                            <title><![CDATA[ Boost Your HSA Savings with These Smart and Savvy Moves  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/boost-your-hsa-savings-with-these-smart-and-savvy-moves</link>
                                                                            <description>
                            <![CDATA[ Wednesday is National HSA Awareness Day. Health Savings Accounts (HSAs) provide savers with a triple tax benefit and even more if you adopt these strategies. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 15 Oct 2025 13:15:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bczEnJSxuBw5uxzykuZFj5-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woman saving ]]></media:description>                                                            <media:text><![CDATA[Woman saving ]]></media:text>
                                <media:title type="plain"><![CDATA[Woman saving ]]></media:title>
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                                                            <title><![CDATA[ Banks Are Sounding the Alarm About Stablecoins  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/investing/cryptocurrency/banks-sounding-the-alarm-about-stablecoins</link>
                                                                            <description>
                            <![CDATA[ The banking industry says stablecoins could have a negative impact on lending. ]]>
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                                                                        <pubDate>Wed, 15 Oct 2025 11:02:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Cryptocurrency]]></category>
                                                    <category><![CDATA[Business]]></category>
                                                    <category><![CDATA[Politics]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rodrigo Sermeño ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/omVdUHyWrdXPgTcSBpDS93-1280-80.jpg">
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                                                            <title><![CDATA[ Savvy Savings Moves to Make Now – Or You Could Lose Thousands ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings-accounts/savvy-savings-moves-to-make-now</link>
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                            <![CDATA[ Despite a rate cut and inflation, these moves can still help you reach your savings goals quickly. ]]>
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                                                                        <pubDate>Mon, 06 Oct 2025 16:11:49 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/frtyGXSTcD2dHHZLkqoJqH-1280-80.jpg">
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