Before she was a senator and 2020 presidential candidate, Elizabeth Warren was a professor at Harvard who also happened to write a couple of really good books on personal finance and economic instability in the U.S.

Turns out people aren’t great at setting financial goals, according to a recent report from investment firm Morningstar. But that could change if they tapped into their emotions a bit more.

The key to saving, as everyone knows, is to spend less than you earn. So simple! But how do you get your spending under control when there are countless things you can spend money on?

One of the greatest pleasures of my new-ish morning routine is that I start many of my days by doing nothing. I lay around for a bit, before getting ready and then sitting with a cup of coffee for a few minutes.

If you’re like most Americans, you might not have a ton of money saved or invested. And reading what you should have or should be saving—say, saving 20 percent each paycheck, or having your yearly salary saved by the time you’re 30—can be overwhelming. So much so, that you just might not start.

Looking for some new music to lose yourself in this weekend? Look no further. Each year, NPR’s All Songs Considered team puts together a 100-song playlist for the South By Southwest music festival, and it never fails to deliver new artists and genres.

If you have a credit card, you should, theoretically, know how missing a payment or paying off less than your total balance each month can lead to a debt spiral. The interest rate on credit cards is very high compared to other financial products, and it compounds when you don’t pay your balance off in full each month.

In her newsletter My Sweet Dumb Brain, Katie Hawkins-Gaar writes about the importance of taking time to breathe. Not, you know, the unconscious kind of breathing you do to stay alive, but thoughtful, slow breathing, to help you stay grounded and feel your place in the world.

Financial emergencies come for us all, and when they do, you’ll want a stash to pull from to cover at least part of the costs you’ll incur.

Welcome to The Statement, Lifehacker’s new weekly personal finance newsletter. I’m Alicia Adamczyk, Lifehacker’s money writer, and every Wednesday I’ll cover the most pressing money issues of the week and answer reader questions about any aspect of your financial lives.

When you’re working full time, you can track your spending and make a budget using percentages of your income to try to get a handle on what you can truly afford. But thinking in terms of monthly or even weekly allotments of money isn’t necessarily the most effective way to think of your dollars.

When you’re on a quest for self-improvement, there are countless books, apps, methods, etc., out there that promise to “fix” you, or help you become the best you you can be. Bullet journals, meditation apps, yoga studios, books promising to help you “get your shit together”—there’s no shortage of products, services…

Skimming scams are everywhere, but according to Krebs on Security, there’s another component to them that’s easy to prevent—scammers recording your PIN number.

There was hardly anything that didn’t intimidate me when I was young. Sleeping alone in the dark, taking classes outside of my comfort zone, telling people I loved that I loved them, doing a back handspring during cheerleading competitions—all of these things caused me immense stress, to the point where I just avoided…

I’ve interviewed many a career and money expert for advice on asking for a raise. They usually give the same (good!) advice: Come prepared, do your research, be calm, cool and collected, etc.

There’s no shortage of rewards credit cards out there, and as more players enter the game, redemption opportunities are widening as well. But as Dan Frommer points out for Eater, redeeming your points for travel rewards is likely the best value.

Here’s a reminder: Even if you’ve preemptively frozen your credit reports, you should check them for suspicious activity every few months.

A diversified portfolio is one of the keys to a successful long-term investment strategy. But can your assets ever be too diversified?

Few things are more frustrating than a canceled flight, particularly in the U.S. You can be strung along for hours, waiting with your increasingly agitated fellow travelers, only to be told you’ll have to wait until the next day to actually take your flight.

Think about the last time you had an awkward interaction, or made a small mistake at work. What was your reaction?