Your Money: School lunch money, paying your mortgage early and more
With school back in session this week, it’s time to address the perennial issue of school lunch.
Your Money
September 8, 2026


Welcome back.

With school back in session this week, it’s time to address the perennial issue of school lunch, a hot topic in my household yesterday afternoon.

If your children are offered a free school lunch that they’ll eat without pushback or complaint, congratulations. You’ve won the lottery.

But older students, sometimes in middle school and often in high school, can leave campus and buy lunch out in the wild, which raises several questions: Who pays for what, how much and why?

My newly minted high schooler and I discussed this yesterday — we decided that for several lunches, he’ll give me sandwich and other ideas, I’ll buy the ingredients and he’ll make them.

But he also wants to go out for lunch on some days, which becomes more complicated. Here in New York City, we’re spoiled for choice. But as my teen texted me earlier this summer (in a bid for a higher allowance): “One bahn mi + tiny Thai ice tea = 20.00.”

He’s going to do some more research on local food options, and then we’ll rediscuss and come up with a weekly budget, separate from his allowance. But the situation has already presented itself as a way to empower him to balance needs and wants, with more thoughtful decision-making.

To the parents and guardians of high schoolers or former high schoolers, what did you decide to do and why? Where else have you found ways to incorporate money lessons into your daily lives? We’d love to hear from you: yourmoney_newsletter@nytimes.com.

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

An illustration of a house sitting on stacks of money, with green bills piled up at the bottom of the stacks.

your money adviser

The Pros and Cons of Paying Off Your Mortgage Early

Homeowners who make extra payments can save thousands of dollars in interest. But, financial experts say, paying down other debt, with higher interest rates, may be a better option.

By Ann Carrns

A red "for sale" sign on a white post, with a multi-story tan house in the background.

Mortgage Rates Climb to Highest Level Since July 2025

Higher costs for home loans have put a squeeze on the housing market, adding pressure to consumers already struggling with elevated inflation.

By Elizabeth A. Harris

Robust Hiring Reinforces Strength of the U.S. Economy

Employers added 162,000 jobs and unemployment held at 4.1 percent last month, signs of a stability that contrasted with high inflation weighing on households and markets.

By Sydney Ember

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Why Stocks Are Defying Gravity and What Could Bring Them Down

Investors are focused on strong corporate earnings and A.I., while looking past the war in Iran. But rising interest rates are an increasing risk to the rally.

By Aruni Soni

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What Rising Global Bond Rates Mean for Your Money

If you own bonds, they may be in a broad fund that hasn’t lost much money. And that fund may do much better in the next several years.

By Ron Lieber and Tara Siegel Bernard

In a hospital hallway, a person wearing a mask and gloves assists a patient lying on a mobile bed.

Employer Health Costs Are Expected to Spike in 2027

A new U.S. survey anticipates an average increase of 11 percent unless benefits are cut, the highest rate in decades. Other findings also predict a sharp rise.

By Reed Abelson

Joan Brasier sits on a stone wall while her husband, Paul Wilczynski, stands behind her, his hand on her upper back. Lots of trees and shrubbery are behind them.

retiring

Getting Benefits of Retirement Home Care, at Your Own Home

Continuing care retirement communities are widening their scope to help retirees age in place, with measured supports and a way to cap the soaring costs of aging.

By Joanne Cleaver

Brown cattle graze on a browning open field under a heavily clouded sky.

Trump’s Tactics to Lower Beef Prices and Appease Ranchers Fall Short

The Agriculture Department offered new initiatives for ranchers after President Trump said he would import more beef. The moves aren’t a quick fix.

By Kevin Draper

Which Investors Will Get Rich From Anthropic’s IPO?

When Anthropic goes public in a blockbuster offering, which investors will profit? The answer says a lot about how much start-up investing has changed over the years.

By Erin Griffith

A deck with several lounge chairs and a railing overlooking a blue ocean. An island is visible in the distance under a cloudy sky.

No Luxury Spared: New High-End Cruise Ships Set Sail

The latest batch of yacht-like vessels sailing in Europe, the Caribbean and beyond offer personalized experiences, great food and spacious suites.

By Ceylan Yeğinsu

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