Your Money: 2025 taxes, retirement planning with A.I. and more
Ron and I recently published our big tax guide, where we broke down the changes happening this year.
Your Money
February 9, 2026

Welcome back.

Ron and I recently published our big tax guide, where we broke down many of the new tax breaks available for the 2025 tax year, in addition to other changes.

Many of the changes are far more complicated than they sound — “no tax on tips and overtime,” for example, comes with a lot of fine print. Tax filers may also have more trouble getting answers from the Internal Revenue Service, which cut more than a quarter of its work force.

If you run into issues, we’ll be here to help. Have a tax question? Write to us at yourmoney_newsletter@nytimes.com.

Below, you’ll find a roundup of money stories from across The Times. Have a great week.

Are you ‘biohacking’ to perform better at work? We want to hear from you.

As employers become more precise in measuring productivity, many workers are focusing on improving their job performance. Some are trying to boost the functioning of their brains and nervous systems — for example, by tracking their sleep quality or heart rate variability through an Apple Watch and trying to improve them. If you’ve engaged in so-called biohacking to help you think more clearly and do your job better, we’d like to hear from you.

An illustration renders the ribbon of a medal as an upside-down house.

your money adviser

A Reprieve for Veterans Applying for V.A. Mortgages

House Republicans have scaled back a proposal to charge higher fees for the loans after opposition from veterans groups. But it still includes a higher fee for refinancings.

By Ann Carrns

A line of executives at a table in a Senate hearing room.

Congress Reins In Drug Middlemen in Effort to Lower Prescription Prices

The legislation will impose new restrictions on pharmacy benefit managers, giant companies like CVS Caremark, Optum Rx and Express Scripts that oversee prescription drug benefits.

By Reed Abelson and Rebecca Robbins

A man in a suit points to a large graphic showing images of drugs on a stage with a lectern. President Trump and Mehmet Oz listen from onstage.

How to Tell if You Will Save Money Using TrumpRx

People may be able to pay less for prescriptions with their insurance rather than via the new government website. The Trump drugstore is meant to help people buy medications using their own money.

By Rebecca Robbins

After Years of Increases, PepsiCo Pledges to Cut Prices on Snacks

The food and beverage giant said consumers were facing “affordability limitations.”

By Julie Creswell

An illustration of a man, wearing a dark jacket and blue pants, gingerly balanced on the top of a pile of colorful pie charts.

Strategies

It’s Time to Rethink the Standard Investment Advice. But Not Too Much.

With signs of trouble popping up in financial markets, investors need to decide whether they can ignore the turmoil, our columnist says.

By Jeff Sommer

A woman with blonde hair and wearing a black shirt sits in front of a computer.

retiring

Feeling ‘Amateur’ at Retirement Planning, They Asked A.I. for Help

More people are turning to chatbots for advice, inquiring about high-stakes decisions such as saving for retirement — even if they eventually turn to a human.

By Kailyn Rhone

A blue sign behind a white fence that says, “New Homes starting in the $560s.”

News analysis

Voters Say Housing Prices Are Too High. Trump Wants Them Higher.

When President Trump said he wanted to drive housing prices up, not down, he was speaking to a conundrum that has flummoxed policymakers for decades.

By Conor Dougherty

A photo illustration shows a hand with cuff links attached to a phone that says “incoming call” on the screen.

work Friend

Stop Pretending You ‘Need’ Your Phone ‘for Work’

Plus, summoning the courage to loaf off as flagrantly as the person in the next cubicle.

By Max Read

Silver Is So Pricey That the World’s Largest Jeweler Is Switching to Platinum

Pandora, known for its charm bracelets, is trying to reduce its exposure to the volatility in silver prices, the latest setback for a company also facing wary consumers and steep tariffs.

By Eshe Nelson

How are we doing?
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