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Are HVAC maintenance plans worth it? Here’s the real cost and value

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HVAC maintenance keeps your air conditioner, furnace, heat pump, and HVAC components running efficiently and protects them from unexpected breakdowns.

“The importance of maintenance may vary a little depending on where you are in the United States, but semi-annual maintenance is the basics,” says Joey Dooley, general manager of ARS, a national HVAC repair and installation company.

HVAC maintenance may be one of the most important tasks you undertake as a homeowner. HVAC experts comment on regular HVAC tune-ups.

Quick conclusion: Are HVAC maintenance plans worth it?

An HVAC maintenance plan is definitely worth it. These 1-hour quick tune-ups will check each of your HVAC components and fix any minor issues that arise. That way, you can avoid the headache of your AC unit or furnace breaking down when you need it most.

HVAC maintenance plan:

  • Leads to reduced energy costs Because it allows the system to run most efficiently
  • Fewer complete failures Small problems can be detected early
  • Extend the life of your system Because the system is properly lubricated and repaired after several seasons of heavy use
  • Protect your HVAC warranty This is because many manufacturers require regular maintenance in order to claim a warranty.
  • can improve air qualityEspecially when a technician cleans the ducts
  • improve home safety HVAC technician to test for gas leaks and carbon monoxide

Maintenance plans are especially suitable for busy homeowners because the home is managed on an automated schedule.

“Planning and maintenance is especially helpful for homeowners who may neglect routine servicing,” says Steve Wade, senior director of operations and procurement at ARS.

What is an HVAC maintenance plan?

An HVAC maintenance plan is a service contract with your local heating and cooling company. This plan includes semi-annual HVAC tune-ups to keep your HVAC system running smoothly year-round, for a monthly or yearly fee.

You can expect cleaning, safety checks, and performance optimization with every visit. HVAC maintenance plans may also come with additional benefits such as preferred schedules, repair/equipment discounts, and warranty protection.

What is typically included in an HVAC maintenance plan?

According to ARS, an HVAC maintenance plan that includes a full tune-up includes:

  • Refrigerant level and pressure measurement
  • Thermostat calibration
  • Inspect all electrical connections, contacts, capacitors and relays
  • Evaporator coil inspection
  • Drain inspection
  • Cleaning and inspection of condenser coils
  • Outdoor wire breakage inspection
  • Condenser fan motor, blade, and lubricant testing
  • Compressor amplifier at startup
  • Adjust the blower motor if necessary
  • Safety and efficiency performance analysis
  • Replacing the air filter (or recommending a suitable filter for your system)

Common add-ons or benefits

In addition to regular maintenance, these annual plans often also include benefits such as:

  • Repair discount: Save up to 20% on repairs and equipment with an annual plan.
  • Priority air conditioning service: When repairs are needed, HVAC maintenance plan members often have priority scheduling, so you don’t have to wait days for service during heat waves or freezes.
  • Exempted or reduced: Each time you visit HVAC service, you often have to pay service call fees and repair costs. If you have a maintenance plan, these fees may be waived or reduced.
  • Warranty protection: Regular HVAC maintenance is usually required to qualify for warranty.

How much does an HVAC maintenance plan cost?

The annual cost of most HVAC maintenance plans is Between $100 and $250. This includes bi-annual HVAC maintenance and other benefits depending on your provider.

Some HVAC companies offer higher-end plans that include premium benefits like 20% off repairs and waived diagnostic fees. These plans can cost up to $500 or more per year.

Costs and Benefits: Do HVAC plans actually save you money?

HVAC maintenance plans can save you money, especially when you use all the benefits. HVAC tune-ups can cost anywhere from $70 to $250 each, so you’ll already be saving money on regular maintenance just by signing up.

If you need more than seasonal HVAC maintenance, you can save even more with discounts of 10% to 20%. For example, if you need a new AC system and it costs $5,000 to install a new unit, your savings could be more than $500.

What to look out for in a proper HVAC maintenance plan

A good HVAC maintenance plan will include at least two HVAC adjustments and an additional add-on. Look for a plan with at least a discount and a preferred schedule.

Priority scheduling can save lives, but it’s a service you may not appreciate until you’re in a crisis.

“If a customer makes a call that they need and they’re struggling with a broken system, let’s say it’s 105 degrees outside, you need someone right now,” says Josh Condor, divisional operations manager for ARS Central Division.

A worthwhile HVAC maintenance plan should include:

  • Cleaning, optimization and inspection of air conditioners, furnaces and heat pumps
  • Filter checks and recommendations
  • Auto-scheduling to make plans easy to use
  • Priority schedule to get to the front of the service line
  • Parts and labor discounts

Expert Insight: Do HVAC experts recommend them?

HVAC experts recommend regular HVAC maintenance At least twice a year. These checks keep your system running smoothly and provide clear benefits. HVAC warranty claims often require maintenance, making them even more important. By paying a few hundred dollars upfront, you can save thousands of dollars in emergency repair costs.

“Almost every manufacturer recommends it,” Dooley says. “And many of them effectively require maintenance to protect the warranty.” Even if the failure is covered by the warranty, failure to maintain proper maintenance records can result in your claim being denied.

Is New York City working with ICE agents? Mamdani clarifies policy

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As Immigration, Customs and Border Protection operations continue to ramp up across the U.S., Mayor Zoran Mamdani said New York City opposes the agency’s actions.

This comes after Trump administration border czar Tom Homan said earlier this month that a major sweep of the city was planned.

“We’re going to see more ICE agents in New York City than we’ve ever seen before, and that’s coming,” he said on Fox News. “We’ve just reviewed the operational plan. I can’t say exactly when it’s going to happen, but it’s getting close.”

Here are Mamdani’s remarks and how being a sanctuary city plays a role in New York City’s response to ICE operations.

mamdani on ice new york

“I want to make it clear that we are proud of our heritage as an immigrant city,” Mamdani said on Thursday’s episode of “Talk with the People.”

“Our city not only opposes ICE’s actions, we will not be complicit in them,” Mamdani said.

“And that means making sure all city agencies comply with sanctuary city policies.”

He then went on to explain the restrictions.

“This means we will not allow ICE agents to enter schools, hospitals, or city property unless we can provide a judicial warrant signed by a judge,” he said.

“This means we are not supporting ICE’s civilian immigration enforcement efforts.”

How much protection do I have from ICE in New York City?

Although New York City is a sanctuary city, that doesn’t mean New Yorkers are completely protected from deportation, according to the Mayor’s Office of Immigration Affairs.

On Friday, June 26, Hochul announced that a new law has gone into effect that prohibits most law enforcement officers from wearing masks while on duty. ICE officers have come under intense scrutiny as many officers remain masked while in custody.

However, the city does provide services to those seeking legal assistance. New York City’s immigration hotline is set at 1-800-354-0365, or you can also call 311.

Missing giraffe Gracie found in Texas after two weeks of search

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Gracie the giraffe has been found more than two weeks after she escaped from her Texas ranch.

The precocious young animal, which authorities say broke the norms of its fellow giraffes by climbing a rock slab in an attempt to escape Cedar Hollow Ranch in Real County, Texas, was found about four miles south of the ranch on the morning of June 26, according to the Real County Sheriff’s Office.

Cedar Hollow Ranch manager Vic Jones and Jeff Hill of Concho Aviation were searching for Gracie by air when they spotted her around 7:30 a.m. local time, the sheriff’s office said.

“Mr. Jones has contacted his veterinarian and is assembling a team to safely capture and bring Gracie home,” the sheriff’s office said in a statement.

Gracie, who has distinctive round ears, left the ranch on June 11, Jones told USA TODAY. She had since been seen on multiple surveillance cameras at other properties in the county, but was always gone by the time the area was searched, Sheriff Nathan Johnson said.

Johnson said Gracie was “just hanging out and enjoying the countryside of Real County.”

Gracie is scheduled to be returned home to be reunited with her giraffe companion, Atlas. Jones said she is working with a fencing company to make sure she can’t get out again. The giraffes, who have lived at Cedar Hollow Ranch for the past 30 years, have never wandered into the area — because giraffes don’t typically climb rocks, he said.

“She’s quite an athlete for a giraffe,” Jones said.

Gracie’s condition was not immediately known as of June 26, but the sheriff’s office posted an aerial photo of Gracie surrounded by foliage.

The appropriate age to claim social security

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It is not limited to either extreme.

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You know your age is important when signing up for Social Security, but it’s easy to get stuck in analysis paralysis when considering your options in detail. If you assert yourself too soon, you can permanently short-circuit yourself. If you claim too late, you risk receiving nothing, but your family may get more after you’re gone.

Rather than take on either extreme risk, you may choose to enroll when you reach your retirement age (FRA). But this may not be the time you’re thinking.

Why signing up for FRA is the perfect middle ground

FRA is the age at which you are eligible to receive the full amount of Social Security benefits you have earned based on your work history. If you enroll in that case, you won’t receive delayed retirement benefits that increase your benefits, but you won’t lose money by reducing your benefits by claiming early.

Some people think the FRA is 65 because that’s how it used to be, but it’s been creeping up in recent decades. The table below will help you find what you are looking for.

year of birth

Full retirement age (FRA)

1943-1954

66

1955

66 years and 2 months old

1956

66 years and 4 months old

1957

66 years and 6 months old

1958

66 years and 8 months old

1959

66 years and 10 months

Since 1960

67

Source: Social Security Administration.

This might be a little slower than you expected, but it can still be a good choice if you’re worried about being billed too early or too late. However, you will need to develop a strategy to cover your living expenses until you are ready to enroll.

If you have a large nest egg, you may be able to live off your personal savings until you are ready to apply. Or you can continue working a little longer so you don’t have to dip into your savings right away.

What if I don’t want to claim Social Security at FRA?

If you feel it’s too long to wait to get your FRA, it doesn’t hurt to file for Social Security early. Make sure you are happy with the penalties you face. Checks will be reduced by 5/9 of 1% per month for the first 36 months after early billing, and 5/12 of 1% per month thereafter.

You can also create a My Social Security Account to see your estimated monthly benefit amount by your claiming age. This will allow you to see how much you’ll benefit from waiting to apply, so you can decide which filing age makes the most sense for you.

The Motley Fool has a disclosure policy.

The Motley Fool is a USA TODAY content partner providing financial news, analysis and commentary designed to help people take control of their financial lives. Its content is produced independently of USA TODAY.

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JD Vance weighs in on wife Usha Vance’s $8 dress debate

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Vice President JD Vance shares her opinion on Usha Vance’s $8.75 Old Navy maternity dress, which has sparked a lot of discussion online and is currently trending. The vice president and his second daughter are scheduled to give birth to their fourth child, a boy, in July.

“She bought a $50 dress for $8.75,” Vance wrote in a June 25 post on X in response to his wife’s post with the receipt attached. “America: Meet the next Federal Budget Secretary!”

Usha Vance’s form-fitting coral maternity dress sparked a national discussion after New York Times Chief Fashion Critic Vanessa Friedman wrote in an article titled “The Politics and Power of Pregnancy Images” that the pregnant bellies of MAGA women, including Usha Vance, White House Press Secretary Caroline Leavitt, and Katie Miller, wife of White House Chief of Staff Stephen Miller, have garnered attention.

“In fact, since Vance, Levitt, and Miller revealed their pregnancies, they have started showing off their growing bellies in public,” Friedman wrote. “Together, women have created a strikingly consistent and somewhat paradigm-shifting picture of the White House’s family and reproductive platform.”

Friedman said Vance’s job as second lady “is also to represent and humanize the vice president,” adding, “By shining a spotlight on the pregnancy, she’s doing just that.”

Usha Vance wore this dress in a special Father’s Day episode of “Storytime with the Second Lady,” which was released on June 21, and JD Vance read a story from “Winnie the Pooh.”

Usha Vance responds to article, drops receipt

Vance fired back at the Times, saying she had no idea her $8.75 coral-colored maternity dress had such “political significance.”

“Now that I know the political significance of my $8.75 coral maternity dress from Old Navy, I can’t wait to hear what the New York Times has to say about my elastic waistband pants and compression socks!” Vance wrote in a June 24 post on X.

“In the meantime, enjoy my pregnancy fashion (or lack thereof) and some fun stories with your kids at Storytime with the Second Lady,” she added.

She followed up with another post sharing the receipt from purchasing the dress. This costume originally sold for $44.99, but was reduced to $12.49, and an additional coupon reduced the price of the dress to $8.75. This dress is no longer available on Old Navy’s website and appears to have been sold out.

“We are pleased that The Second Lady had the opportunity to read the Times’ coverage of fashion and pregnancy, which presented a fair and enlightening analysis of women in the Trump administration, motherhood and image ownership,” New York Times spokesperson Charlie Stadtlander said in an email to USA TODAY on June 25.

Usha Vance attends World Cup game

Meanwhile, Usha Vance was spotted at the Soccer World Cup match between Turkey and the United States at Los Angeles Stadium in Inglewood on Thursday, June 25, just one day after the issue broke out on social media. The Second Lady wore a blue and white dress to the match and attended the match with her son Ewan Vance.

The U.S. men’s national team lost 3-2. However, the result was academic: before the match, the USMNT had already emerged as group winners, and Turkey had already been eliminated.

Contributor: Francesca Chambers, USA TODAY

Saman Shafiq is a trending news reporter for USA TODAY. Contact her at sshafiq@usatodayco.com and follow X and Instagram @saman_shafiq7.

Park officials say President Trump’s reflecting pool liner was cut with a razor

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The NPS leadership statement did not indicate how officials reached the conclusion that the multimillion-dollar liner was cut. Park officials did not respond to requests for comment.

A National Park Service official said in an affidavit in federal court that President Donald Trump’s renovated Lincoln Memorial reflecting pool was vandalized using a “sharp knife or razor.”

Frank Lands, the Park Service’s deputy director for operations, said in a sworn statement that the reflecting pool cruiser, which the Trump administration ordered to be redone ahead of the nation’s 250th anniversary, was intentionally mutilated. Lands’ statement did not indicate how park officials determined that Reiner was mutilated using some type of knife.

The statement was filed June 24 in the U.S. District Court for the District of Columbia. This is the latest filing related to a lawsuit that claims the Trump administration illegally renovated the iconic Washington facility.

Lands said the park service reported the vandalism to the U.S. Park Police, and officers responded on June 9. The Park Police operates within the Park Authority.

Park Service officials did not immediately respond to a request for comment on Lands’ declaration, including how officials determined the liner had been severed.

The pool, a must-see along Washington’s Monument Row, has been the subject of controversy since President Trump announced a project in April to resurface the shallow pool’s bottom and paint it “Stars and Stripes Blue.”

This announcement was controversial for several reasons. In it, the Trump administration bypassed the normal competitive bidding process for a multimillion-dollar renovation, with some of the contractors Trump hired having ties to Trump donors.

The renovated pool quickly deteriorated. Heavy algae blooms turned the water lime green and the new surface liner peeled off in visible sheets. President Trump has publicly stated that the pool’s new surface came off due to vandalism.

5 money moves for college graduates

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Good morning and Happy Friday! I’m Betty Lynn Fisher for the Friday consumer edition of Daily Money.

Are you a recent college graduate, or do you know someone who has?

Rachel Barber reports that the Class of 2026 graduated into an economic environment where consumer sentiment is near an all-time low.

New college graduates are entering the “real world” without rose-colored glasses. A February survey by career platform Monster found that 76% of college graduates said they were concerned about the impact of the economy on their job prospects.

Mr. Barber shares five things new graduates should keep in mind to build the right financial foundation.

Are retirees’ savings at risk?

American retirees are likely to outlive their savings in 41 states, according to a new report.

Daniel de Visse details the regions where retirees can outlive their savings and the states where there’s likely to be a surplus.

Want to move?

How much money would you accept as an incentive to move to a new city?

Is $9,500 enough?

Anthony Thompson reports that a Wisconsin city is trying to attract new residents by offering thousands of dollars in cash and local perks to those willing to move.

📰 Consumer stories you can’t miss 📰

Betty Lin-Fisher is a consumer reporter for USA TODAY. Contact her at blinfisher@USATODAY.com or follow her at @blinfisher on X, Facebook and Instagram and @blinfisher.bsky.social on Bluesky.. Please sign up

Partial settlement reached in Washington DC ‘Imperial March’ military protest incident

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  • Sam O’Hara was arrested in Washington, D.C., in September 2025 for playing the “Imperial March” from “Star Wars” behind Ohio National Guard troops patrolling the city.
  • The American Civil Liberties Union’s Washington, D.C., chapter sued authorities on O’Hara’s behalf. They accused it of violating their First and Fourth Amendment rights, among other claims.
  • In a June 25 court filing, O’Hara said he had settled with Washington, D.C., authorities, but that the claims against Ohio National Guard Sgt.

A partial settlement has been reached in a lawsuit involving a man who was arrested in Washington, D.C., in 2025 for playing the “Imperial March” from “Star Wars” behind Ohio National Guard troops patrolling the city.

President Donald Trump sent the military in August to combat crime and homelessness in the nation’s capital, an effort that was met with resistance from many Washington residents.

Sam O’Hara was among them. He began playing a John Williams-composed song symbolizing Darth Vader and the evil Galactic Empire behind troops, recording the exchange and posting it on TikTok.

But when O’Hara did so on Sept. 11, 2025, an Ohio National Guard sergeant “turned around and threatened to call in D.C. police officers and ‘process’ Mr. O’Hara if Mr. O’Hara persisted,” according to a federal complaint filed in October by the American Civil Liberties Union’s Washington, D.C., chapter.

O’Hara continued to protest. DC Metro police officers were called to the scene. They handcuffed him for harassing soldiers, according to the complaint. He has denied the accusations made at the time of the incident, repeating in his complaint that he did not harass or obstruct military personnel.

The ACLU of D.C. accused authorities of violating O’Hara’s First and Fourth Amendment rights, among other things.

“A long time ago, in a galaxy far, far away, this type of government action may have been legal,” the complaint says. “Right now, however, the First Amendment prohibits government officials from shutting down peaceful protests, and the Fourth Amendment, along with the District’s prohibition on false arrests, prohibits baseless seizures.”

In a lawsuit filed June 25 in the U.S. District Court for the District of Columbia, O’Hara said he had settled with Washington, D.C., authorities, but that his claims against Ohio National Guard Sgt. The settlement amount was not disclosed in court filings.

“The administration’s efforts to silence me ultimately backfired, drawing even more attention to the unwarranted deployment of the National Guard in Washington, D.C.,” O’Hara said in an ACLU news release. “This settlement serves as a reminder that our constitutional freedoms are worth protecting, especially when those in power want us to remain silent.”

The Metropolitan Police Department, Washington, D.C., Attorney General’s Office and the Ohio National Guard did not immediately respond to requests for comment June 26.

Breanna Frank is USA TODAY’s First Amendment reporter. please contact her bjfrank@usatoday.com.

USA TODAY’s coverage of First Amendment issues is funded by the Freedom Forum in collaboration with our journalism funding partners. Funders do not provide editorial input.

Nancy Guthrie Update – TMZ Claims New Ransom Note Has Video Evidence

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Another demand letter has surfaced in the Nancy Guthrie kidnapping case.

TMZ reported on Friday, June 26, that it had received a new letter from someone previously in contact with the outlet, claiming to have a video taken on a phone of one of the suspects and Guthrie in a “secure location.”

The person has the same email and Bitcoin address as the person who sent Savannah Guthrie’s mother a few weeks after her disappearance, the outlet said, adding that two people are said to be involved in Guthrie’s kidnapping and that the video shows “key people.”

USA TODAY has reached out to the FBI, Pima County Sheriff’s Department and NBC for comment.

According to TMZ, the note contained a video of the 84-year-old’s “possibly last day” as well as photos of “both parties involved” and “names, addresses, and ages.” The person told the outlet that he intended to give up his password once he received payment in Bitcoin.

USA TODAY has not seen or authenticated this memo. TMZ noted that it forwarded the email to the FBI and told the person to send a screenshot of Nancy Guthrie in the video to prove the email was genuine.

Details of Nancy Guthrie’s new ransom note revealed

The new memo comes days after NBC News, ABC News and CBS News reported that a memo was received early in the case claiming Nancy Guthrie was dead.

In the days following Guthrie’s disappearance, unverified ransom notes detailing the alleged kidnapping of Nancy Guthrie were sent to KOLD News, CBS’ Tucson affiliate, and TMZ.

The KOLD memo reportedly contained details about the home and the clothing Nancy Guthrie was wearing that night, but the Sheriff’s Department did not comment on its accuracy at the time, and the Sheriff’s Department demanded millions of dollars in the form of Bitcoin to free Nancy Guthrie, with varying deadlines.

In an interview with NBC in March, Savannah Guthrie said she and her family believed two of the many notes she received were “real.”

“I think there’s a lot of different notes, and I don’t think most of them are authentic,” Guthrie told Kotb in a March 26 “Today” interview segment. “However, we are inclined to believe that the two notes we received and responded to are genuine.”

Has Nancy Guthrie been found?

Nancy Guthrie has never been found. Guthrie, the elderly mother of “Today” anchor Savannah Guthrie, was last seen on the night of Jan. 31, when her family dropped her off at her home in Tucson, Arizona, after dinner. The next morning, she was reported missing and the Pima County Sheriff’s Department began investigating, with the FBI arriving a few days later.

Contributor: Liza Esquibias, USA TODAY

John Fetterman sponsors bill to pay farmers $5 billion in 2027

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  • U.S. Sen. John Fetterman co-sponsored the Nurturing Horticulture Innovation in Local Economies (Chile) Act.
  • The bill aims to provide $5 billion in direct assistance to specialty crop producers in fiscal year 2027.
  • The bill builds on the Agriculture, Food, and National Security Act of 2026, which passed the House of Representatives earlier this year.

A new bill co-sponsored by Sen. John Fetterman (D-Pennsylvania) seeks to expand federal protections for specialty crop growers, building on another bill passed by the U.S. House of Representatives earlier this year.

On June 24, Fetterman and Sen. Elissa Slotkin (D-Mich.) introduced the Nurturing Horticulture Innovation in Local Economies Act, or the Chili Act for short. Ben Ray Luján, Democrat, New Mexico. Raphael Warnock, Democrat of Georgia. Cory Booker, Democrat, New Jersey. Michael Bennet, Democrat of Colorado.

“Pennsylvania’s farmers help put food on our plates, create local jobs, and keep our agricultural economy afloat. Having a framework for farmers to receive the direct assistance they need is just one step toward protecting them during times of economic loss,” Fetterman said in a press release. “I’m proud to support this bill that strengthens federal support to ensure these specialty crop farmers have the funding and tools they need to succeed now and every day.”

If passed, this bill will:

The bill co-sponsored by John Fetterman of Pennsylvania includes $5 billion to help farmers next year.

If passed, the bill would provide $5 billion in direct support to specialty crop producers in fiscal year 2027 and require the definition of specialty crops to include fruits and vegetables, nuts, dried fruit, seedling crops, and floriculture.

This bill is based on HR 7567, commonly known as the Agriculture, Food, and National Security Act of 2026, or simply the Farm Bill. The bill, passed by the U.S. House of Representatives in April, includes the Specialty Crop Emergency Assistance Framework. If passed, the Chile bill would require the USDA to use the Farm Bill’s Specialty Crop Emergency Assistance Framework to send direct aid to specialty crop farmers.

What is the current status regarding the Agriculture, Food, and National Security Act of 2026?

The Agriculture, Food, and National Security Act of 2026 was introduced in the U.S. House of Representatives on February 13 and passed at the end of April. The Senate received the bill on May 19, but has not taken any action since.

The bill passed the House by a vote of 224 to 200. The final version removed a pesticide provision supported by President Donald Trump that would have shielded pesticide companies from liability.

Finch Walker is a Pittsburgh Connect reporter for the USA TODAY Network. Please contact Walker at FWalker@usatodayco.com. Instagram: @finchwalker_. X: @_finchwalker.

Clay Aiken talks about Kelly Ripa on TV

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Clay Aiken said what he thought was an “incredibly innocent” joke with Kelly Ripa turned into a “big blowout” in what he called one of the worst weeks of his life.

The “American Idol” alum reflected on the viral moment from 2006 in an interview on the Hollywood Raw podcast on Wednesday, June 24. The singer was promoting his new single “Rewind”, his first in 18 years.

Aiken, who was filling in for Regis Philbin with Ripa on Live with Regis & Kelly, put her hand over Ripa’s mouth while she was interviewing Dancing with the Stars winners Cheryl Burke and Emmitt Smith, joking that she didn’t get a chance to speak.

Ripa seemed uncomfortable with the gesture and replied, “I don’t know where that hand was, honey.”

“I couldn’t talk,” Aiken recalled. “They had a cue card with my name on it. I tried to be funny and did what I did, but it was incredibly innocent. And it got a little cold in the room. I didn’t feel good and I was worried I’d upset her.”

At the time, Aiken said he was in negotiations with Buena Vista Television, the show’s syndicated distributor, to host his show.

“I went on the show because I wanted to show that I can handle it, that I can host something,” he said.

But the ensuing controversy turned into “probably the most harrowing week of my life.”

When Philbin returned, Ripa brought up the incident on air.

“Don’t put your hands over your face or mouth during the interview, even if it’s for a laugh,” she says.

The exchange went viral after Rosie O’Donnell called the reaction “homophobic” on “The View” and added, “If that was a straight man…Mario Lopez, he wouldn’t have said the same thing.”

Ripa then called Shaw.

“I have three children,” she said. “He’s shaking hands with everyone in the audience. I mean, it’s cold and flu season. That’s what I meant. To imply that it’s homophobic is outrageous, Rosie, and you should know better. You should be more responsible.”

Aiken, who had not come out publicly at the time, said the attention was painful, but he eventually leaned into it and poked fun at it later that week at the American Music Awards with Tori Spelling, humorously showing her putting her hand over her mouth to “take ownership back.” Aiken’s publicist also distributed a clip to the media of Ripa covering Philbin’s mouth in an earlier episode, which Aiken said was when “the tide turned.”

Aiken then sent Ripa flowers and she followed up with a phone call.

“She apologized for being blown out of proportion and everything else,” he recalled. “She said, ‘I’d love to come back to the show any time.'”

“I tried to come back on the show, but I wasn’t allowed,” he said. “So I just haven’t tried it since. It’s no big deal.”

The case eventually took on a life of its own. “I was often stopped at the airport to take pictures,” Aiken said. “They said, ‘No, no, put your hand over my mouth.’

The Equal Rights Amendment and Age-Based Discrimination

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When New York added the Equal Rights Amendment (ERA) to the state constitution in 2024, many advocates focused on the goal of strengthening abortion rights in the wake of the U.S. Supreme Court ruling. Dobbs v. Jackson Women’s Health Organizationargued that there is no federal right to abortion care. But New York’s ERA goes further, prohibiting discrimination based on ethnicity, national origin, age, and disability, as well as gender, sexual orientation, gender identity, gender expression, pregnancy, and pregnancy outcomes.

Miller v. State of New York, One of the first ERA cases considered by the state’s highest court, the New York Court of Appeals, reflects this breadth. The lawsuit, initiated by three septuagenarian judges, challenged New York’s constitutional requirement that most state court judges retire at age 70 or, if certified for extended service, at age 76. The High Court’s judgment is mirror We may have mentioned whether and how the strictest judicial review, strict scrutiny, applies to age discrimination under the state ERA. Instead, the thorny issue was relegated to a single justice’s concurring opinion. by the court The court’s opinion focused on whether the ERA was intended to override the Constitution’s retirement provisions. The court concluded that the two provisions should coexist unless there is a clear intention to abolish the retirement requirement.

Nationally, 31 states and the District of Columbia set a retirement age for judges, with 70 being the most common age (although in Vermont it is 90!). Many of these duties are codified in state constitutions. In 1991 the U.S. Supreme Court Gregory vs Ashcroft State court judges are presumed to be exempt from age discrimination protections under federal employment law. That’s because the law excludes elected officials and appointees from policy-making roles. The federal Equal Protection Clause is also invalidated because: gregory Similarly, it rejected a federal constitutional challenge to the retirement provisions of the Missouri Constitution. Applying the lowest level of scrutiny, or rational basis, the court concluded that it is reasonable to assume that a judge’s physical and mental capacity declines with age.

And what about state constitutional anti-discrimination protections? Only three state constitutions explicitly address age discrimination. Louisiana enshrines age discrimination in the Dignity Clause of its constitution, adopted in 1974, which makes it clear that age classifications only need to be reasonable to pass muster. In 2022, Nevada adopted the Equal Rights Amendment, which prohibits state age discrimination, with language suggesting age discrimination is subject to increased scrutiny. However, because state court judges in Nevada are not subject to mandatory retirement, any age discrimination challenge to the ERA would be based on a different set of facts. However, New York state has put together elements to challenge the age limit for state judges: the sweeping ERA, which prohibits mandatory retirement and age discrimination in the state constitution.

Judge’s Challenge mirror Specifically, it was hampered by the constitutional status of New York’s judicial retirement requirement. Article 6, Section 25 of the New York Constitution provides that “judges of the Court of Appeals, judges of the Supreme Court, judges of the Court of Claims, judges of county courts, judges of Surrogate’s courts, judges of family courts, judges of New York City courts…and judges of district courts” shall retire on the last day of December of the year in which the judge reaches the age of 70. This provision was first adopted in 1869. Modify the early retirement requirement of 60 years in New York’s first state constitution of 1777.

Specifically, judges in towns and cities other than New York City are exempt from Section 6. In a January opinion, the state court judges relied on the ERA to cancel the mandatory retirement age for this category of judges, stating that judges “are not under any constitutional obligation to retire” and that “the language of the constitutional provision is sufficiently clear about its meaning.” But constitutional obligations remain for other judges. Noting that implicit abolition is undesirable, mirror The court found insufficient evidence that the ERA intended to repeal Section 6 and held that “the two provisions are not in conflict and may be harmonized.”

majority by the court This opinion left several issues unresolved. Justice Shirley Troutman’s concurrence also weighed in, but she chastised the majority for failing to provide further guidance to litigants regarding the operation of the new ERA.

Important issues outlined in the lawsuit but not explicitly addressed in the lawsuit by the court The opinion was whether the ERA is self-enforcing, allowing direct enforcement by litigants. Although New York State argued that additional legislation was needed before the Constitution’s provisions could take effect, plaintiffs and trial attorneys, including the New York Civil Liberties Union and the Legal Aid Society, made persuasive arguments to the contrary, drawing on specific legislative history and the organizers’ own statements. The intermediate court is mirror refused to address this issue.

Mr. Troutman’s concurrence forcefully argued that the ERA is self-enforcing and that the majority implicitly accepts as much in its own explanation of the ERA’s scope. Citing extensive case law and legislative history that the majority has avoided, Trautman explained, “The Attorney General’s contrary position undermines the entire purpose of the ERA, which is to give people the right to self-enforcement without discrimination ‘according to the law’ based on the categories set forth in the ERA.”

The agreement also previews some of the issues that may arise when the ERA is applied. The majority characterized the retirement provision as merely an “employment qualification requirement.” But under the ERA, Trautman noted, age discrimination has the same status as pregnancy discrimination and sexual orientation. She thought the majority would never similarly ignore provisions requiring judges to resign because of pregnancy or a change in gender identity.

But considering how the court would apply the ERA’s age discrimination prohibition, Troutman said age is different from the classification of many other suspects. According to Trautman, “the reality of death creates a compelling government interest in ensuring that, at some point in the natural human decline process, there will come a time when judges can reasonably say they should not continue to serve.” She concluded that the fact of a mandatory retirement age does not in itself violate the ERA. Rather, she wrote, “If a legally mandated age limit is discriminatory, it is because of the degree of restriction (setting the age either too high or too low), not because there should never be an age limit.”

There are many examples of age restrictions that raise questions under the ERA ban. For example, is New York State’s requirement that rifle owners be at least 18 years old vulnerable to challenge? Is a senior discount on the New York City subway illegal? Can New York State impose a cap on eligibility to take the police officer exam (currently 43 ) If strict scrutiny is the test, will the age limit be adjusted sufficiently to pass muster? Because of these complexities, Mr. Troutman concluded that the appropriate level of age limit should not be set by the courts, but by the people through legislation or constitutional amendment.

However, this is not the only approach available. Nina Cohn, a professor at Syracuse University School of Law, argued that state courts should adopt an intermediate standard of scrutiny for constitutional age discrimination claims, rather than a strict one, and provide greater flexibility to allow the continuation of age-specific standards that are substantially related to important government interests. Given the language and intent of the state’s ERA, it is an open question whether this is feasible and whether it would have ramifications for diluting the scrutiny afforded to other categories protected by the ERA.

New York and Nevada’s ERA documents and history support rigorous scrutiny. However, in future cases regarding the scope of the ERA’s state constitutional protections, courts and advocates may need to address age more specifically than simply as part of an undifferentiated list of suspect classes. It is not clear whether rigorous scrutiny is the best way to evaluate age-based classification, as Troutman’s scrutinized agreement shows. If so, pressure to create legitimate exceptions (perhaps related to gun ownership, senior discounts, etc.) could undermine standards.

Martha F. Davis is University Distinguished Professor at Northeastern University School of Law.

Recommended Citation: Martha F. Davis The Equal Rights Amendment and Age-Based DiscriminationSᴛᴀᴛᴇ Cᴏᴜʀᴛ Rᴇᴘᴏʀᴛ (June 23, 2026), https://statecourtreport.org/our-work/analysis-opinion/equal-rights-amendments-and-age-based-discrimination

Silver price today on June 26, 2026

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How much is silver worth per ounce today?

As of 8:05 AM ET on June 26, 2026, the spot price of silver is $58.12 per oz., according to the latest market data. The stock rose 0.80% and was up $0.46 from its previous closing price of $57.65.

One year ago, silver was trading at $36.35 per ounce. This means that the price has increased by 59.90% in the last 12 months.

Key levels to look out for this week:

52 week low: $35.81

52 week high: $117.39

Silver is trading 50.49% below its 52-week high. It is 62.29% above its 52-week low.

What is the historical price of silver?

today 1 week ago 1 month ago 1 year ago
$58.12 $65.35 $77.43 $36.35

A week ago, silver was trading at $65.35 per ounce. Since then, the price has fallen by 11.07%.

One month ago, silver was trading at $77.43 per ounce. Since then, the price has fallen by 24.94%.

USA TODAY is an independent publisher and not an investment advisor. The information provided is for educational purposes only and should not be construed as financial, investment, or trading advice. We recommend that you seek independent advice from a qualified professional regarding any specific financial decisions you may make. Trading commodities, futures, and options involves significant risk of loss. Individual investment results may vary. Past performance is not indicative of future results. Prices can change rapidly and unpredictably due to factors such as supply/demand, weather, and geopolitical events. Our company assumes no responsibility for any loss or damage arising from the use of the information.

What is driving the price of silver today?

The price of silver is driven by inflation expectations, central bank policy, global economic conditions, and investor demand. The strength of currencies, especially the US dollar, can influence daily prices, as well as physical and industrial demand. For more on the market, read the latest investment news on USA TODAY Money.

What does XAG/USD mean?

XAG/USD is the ticker symbol used to track the spot price of silver in US dollars.

XAG stands for 1 troy ounce of silver and USD stands for US dollar. The estimated price tells you how many dollars it costs to purchase one ounce.

Prices are usually quoted per troy ounce, which is slightly heavier than a standard ounce.

Spot prices reflect real-time market transactions and serve as a benchmark for futures contracts, ETFs, and retail bullion prices.

how to invest in silver

Investing in silver can be done by buying physical coins and bars, buying ETFs that track its price, or investing in mining stocks. Be sure to weigh costs, storage needs, and risk tolerance before making a decision. The retail price of a coin or bar typically includes a premium over the spot price.

Disclaimer: This USA TODAY Money article was automatically generated using live market data from Alpha Vantage. If you think we made a mistake or have feedback, please use this form.

Mamdani’s favorability ratings have soared in the latest polls. What you need to know

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Mayor Zoran Mamdani’s favorability will be put to the test after a new poll of New York state voters’ opinions was released.

A poll released by Siena University showed Mamdani’s favorability rating has increased slightly since earlier this year.

Here’s what you need to know:

New Siena poll is Mamdani

The Siena poll, released June 25, was conducted June 17-23 among 1,120 registered New York voters.

It looked at the favorability ratings of New York politicians in the state Legislature, Congress, and New York state politicians like Governor Kathy Hochul, who is running for re-election.

The mayor’s favorability rating has increased since April. It currently stands at 45% to 34%, an increase from April, when Siena reported 43% to 40%.

Especially in NYC, his popularity is extremely high. Opinion polls showed his approval rating went from 56-34% to 58-26%.

The poll also found that one of the most important issues for New York voters was the cost of living crisis, a pillar of Mamdani’s campaign last year.

“A clear majority of voters believe the cost of living is the most important issue facing them, with an overwhelming 77% saying it is one of the two most important issues for New Yorkers,” Siena pollster Steven Greenberg said in a statement.

“A majority or majority of Democrats, Republicans, independents, upstate and downstate, men and women, young and old, blacks, Latinos, and whites say the cost of living is the most important issue. At least 72% of each of these groups of voters say the cost of living is one of the two most important issues.”

On Thursday, after the polls closed, a key vote was passed to freeze rents for rent-stabilized apartments for up to two years, another signature promise of Mamdani’s election.

Approximately 1 million apartments will be affected by the freeze.

Will America lose to Türkiye and be eliminated from the World Cup? What you need to know

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Editor’s note: For the latest updates on the USA vs. Turkey game, check out our live blog here.

INGLEWOOD, Calif. — The final group stage game of the 2026 World Cup didn’t turn out the way the U.S. men’s national team had hoped. Well, what is it?

After scoring in the first three minutes against Turkey on Thursday, June 25, Turkey fought back with two goals and entered halftime with a 2-1 lead. It was the first time Turkey had scored in this tournament, and the first time the United States had been on the back foot. The USMNT fought back with a goal in the second half to tie the game, but it was heartbreaking when Turkey scored a goal in the waning minutes of stoppage time to beat the USA 3-2.

This is the last game in the group stage before the Round of 32 begins, so while this loss may set off panic alarms for U.S. fans, there’s no need to worry too much. There wasn’t much stress in this game regarding the USMNT’s future prospects.

Buy USA World Cup Tickets

America lost: Are they out of the World Cup?

America is fine.

The USMNT can afford to lose to Turkey as they have already won Group D, ensuring their standings and a spot in the Round of 32 regardless of Thursday’s result. The game against Turkey was meaningless as the United States advanced through the group stage by defeating Paraguay and Australia. The USMNT will face Bosnia and Herzegovina in the Round of 32 on July 1st.

That’s why manager Mauricio Pochettino has chosen a line-up made up mainly of substitute players.

Instead, the U.S. missed the chance to win all three group stage games, something they have never been able to accomplish in World Cup history.

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Gold price today on June 26, 2026

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How much is gold worth per ounce today?

As of 8:05 AM ET on June 26, 2026, the spot price of gold is $4,045.43 per oz., according to the latest market data. It was up 0.88% and $35.43 from the previous closing price of $4,009.99.

One year ago, Gold was trading at $3,335.07 per ounce, which represents a 21.30% increase in price over the past 12 months.

Key levels to look out for this week:

52 week low: $3,267.56

52 week high: $5,477.79

Gold is trading 26.15% below its 52-week high. The stock is 23.81% above its 52-week low.

What is the historical price of gold?

today 1 week ago 1 month ago 1 year ago
$4,045.43 $4,193.23 $4,521.76 $3,335.07

A week ago, gold was trading at $4,193.23 per ounce. Since then, the price has fallen by 3.52%.

A month ago, gold was trading at $4,521.76 per ounce. Since then, the price has fallen by 10.53%.

USA TODAY is an independent publisher and not an investment advisor. The information provided is for educational purposes only and should not be construed as financial, investment, or trading advice. We recommend that you seek independent advice from a qualified professional regarding any specific financial decisions you may make. Trading commodities, futures, and options involves significant risk of loss. Individual investment results may vary. Past performance is not indicative of future results. Prices can change rapidly and unpredictably due to factors such as supply/demand, weather, and geopolitical events. Our company assumes no responsibility for any loss or damage arising from the use of the information.

What is driving the price of gold today?

The price of gold is driven by inflation expectations, central bank policies, global economic conditions, and investor demand. The strength of currencies, especially the US dollar, can influence daily prices, as well as physical and industrial demand. For more on the market, read the latest investment news on USA TODAY Money.

What is XAU/USD?

XAU/USD is the ticker symbol used to track the spot price of gold in US dollars.

XAU stands for 1 troy ounce of gold and USD stands for US dollar. The estimated price tells you how many dollars it costs to purchase one ounce.

Prices are usually quoted per troy ounce, which is slightly heavier than a standard ounce.

Spot prices reflect real-time market transactions and serve as a benchmark for futures contracts, ETFs, and retail bullion prices.

how to invest in gold

Investing in gold can be done by buying physical coins and bars, buying ETFs that track the price of gold, or investing in mining stocks. Be sure to weigh costs, storage needs, and risk tolerance before making a decision. The retail price of a coin or bar typically includes a premium over the spot price.

Disclaimer: This USA TODAY Money article was automatically generated using live market data from Alpha Vantage. If you think we made a mistake or have feedback, please use this form.

Search continues for survivors in the rubble

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The death toll continues to rise after two devastating earthquakes in Venezuela as workers search for signs of life in the rubble for a third day on June 26.

According to the U.S. Geological Survey, the magnitude 7.2 and 7.5 earthquakes occurred less than a minute apart, about 22 kilometers southeast of Umalé, Venezuela, just after 6 p.m. local time on June 24. Umalé is approximately 273 miles west of the capital, Caracas.

The immediate devastation ensued. Houses and buildings were destroyed, hospitals were damaged, and debris littered roads.

Officials said at least 235 people were confirmed dead and more than 4,300 injured, but the death toll is expected to rise.

Here’s what we know as of June 26th.

Rescue workers search for missing person

On June 26, rescue teams continued to search for survivors through the rubble of destroyed buildings throughout the night as international rescue teams arrived in the country to help. Venezuelan National Assembly President Jorge Rodriguez said on June 25 that at least 200 people were trapped.

Resident Yamirez Jiménez told Reuters on June 25 that his 19-year-old son was trapped on the seventh floor of a building in La Guaira, one of the worst-hit areas.

“He’s under the board, but there’s no machinery to get him out,” she told the outlet.

Secretary of State Marco Rubio said the United States was among the countries planning to send rescue teams.

Two earthquakes occur within seconds

The first earthquake occurred at around 6:04 pm local time on June 24 and had a magnitude of 7.2. Approximately 39 seconds later, a magnitude 7.5 earthquake occurred. The second quake was considered the main shock, while the first was a foreshock, the USGS said. These earthquakes are considered doublets, defined as two earthquakes of the same magnitude that are close in time and location.

Venezuela is located in a seismically active zone where the Caribbean and South American plates meet. Although northern Venezuela has a history of damaging earthquakes, the area in the immediate vicinity of the June 24 quake has only experienced seven earthquakes of magnitude 6.0 or greater in the past 100 years, according to the USGS. Since 1900, five earthquakes of magnitude 7.0 or higher have occurred in large areas of northern Venezuela or near the coast.

The main shock on June 24 was the most powerful earthquake in the region’s history since 1900, when a magnitude 7.7 earthquake was observed near Caracas.

What is the latest death toll in Venezuela?

As of June 25, Venezuelan authorities put the official death toll at 235. That number is expected to rise as crews search the devastated area. Officials have not released total casualties, but the USGS said data predicts the number could be in the thousands.

Health Minister Carlos Alvarado said 235 confirmed deaths were recorded at medical centers.

Three people in Spain were confirmed dead in the earthquake, four were confirmed to have been trapped under rubble, and 99 people are missing.

Contributor: Thao Nguyen, USA TODAY. Reuters

SCOTUS, World Cup in Daily Briefing

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Welcome to the daily briefing. Here’s what you should read:

Nicole Fallato and Jane Onyanga O’Mara are here, We bring you the news you need to know on Fridays.

the supreme court issues a decision

The Supreme Court handed down a landmark decision Thursday that proved critical to President Donald Trump’s second-term priorities, moving him closer to the finish line of this term.

Yesterday’s court ruling is as follows:

More news you need to know right now

USA TODAY will appear at the top of your search results. Add us as a preferred source on Google.

fifa world cup

America loses to Türkiye

The U.S. men’s national team lost 3-2 to Türkiye on Thursday in the final group stage game of the World Cup. But the US is fine.

The USMNT has already won Group D, so their place in the standings and their spot in the Round of 32 is guaranteed regardless of Thursday’s result.

things to talk about

A new way to cross the road

Jay John, 18, realized his vision of keeping his grandparents safe at the crosswalk. It is an AI-powered adaptive traffic light system that can detect real-time pedestrian movements. Jung’s invention adjusts the times of intersection signals based on the pace of the slowest pedestrians, rather than responding to motor vehicle traffic like typical intersection signal systems.

before you go

Have feedback about the daily briefing? Email Nicole at NFallert@usatoday.com.

The Class of 2026 enters a tough economic environment. 5 ways to move forward

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After years of studying, weeks of final exams, and afternoons spent booing when commencement speakers talked about artificial intelligence, the Class of 2026 graduated into an economy where consumer sentiment was near an all-time low.

New college graduates are entering the “real world” without rose-colored glasses. A majority of respondents surveyed by career platform Monster in February, 76%, said they were concerned about the impact of the economy on their employment prospects.

After four months, they might feel even more hopeful. Employers expect hiring of 2026 graduates to increase by 5.6% in 2025, after a year of historically weak overall hiring in 2025, according to a survey by the American College and Employers Association, which has rebounded across the country over the past three months.

Even if they find work quickly, they will face high prices for essential goods. Rent, gas and food costs all rose in May, according to Labor Department data. Student loans will also face a different situation. Some repayment plans have ended and new repayment plans are scheduled to begin on July 1st.

Personal finance experts say having the right financial foundation can set you up for success. Here are five things new graduates are told to keep in mind:

Reject lifestyle oddities

The right first move may be as simple as creating (and sticking to) a new budget to avoid poor lifestyle habits. Poor lifestyle habits occur when your expenses increase as your salary increases, leaving little room to save or pay off debt.

Kelly Regan, a financial planner and vice president at Girard Advisory Services, says the biggest financial mistake new entrepreneurs make is spending money trying to fit into the lifestyles of their peers.

“Maybe you have the ability to live in your home for a little while and save money, but instead you go buy an expensive apartment,” Regan said. “Time is on your side right now, so whether it’s investing or paying off a loan, saving more or cutting back on expenses than you can now can really help.”

Save what you can

Miklos Ringbauer, a certified public accountant and founder of MiklosCPA Inc., said it’s not too early for new graduates to start building an emergency fund and putting a portion of their income toward an employer-sponsored retirement plan. The earlier you start, the more time compound interest has to work in your favor.

“A Roth 401(k) in particular can have significant long-term benefits, as many new graduates are likely to be in one of the lowest tax brackets they will experience during their careers,” Ringbauer told USA TODAY.

Roth IRAs are also an option for people who can’t find a job right away or whose employer doesn’t offer a plan, said Jack Howard, head of financial wellness at Ally. If you’re looking to build an emergency fund, a high-yield savings account is a good option, she added.

“The biggest thing is automation. So really get into the habit of doing whatever it takes. I’m going to send 5 to 10 percent for retirement and emergency savings,” Howard said. “Emergency savings build confidence for now. Retirement savings help build confidence for the future.”

Don’t forget about student loans

The time period for graduates to start repaying their student loans often comes to an end around the same time as they settle into their first job.

While this situation can be difficult to navigate, Howard simply said: New graduates need to “lock in.”

“That might mean calling your student loan provider to find out how all the changes coming in July could impact you,” she said, adding that if 2026 graduates don’t get an answer from their provider, they should contact their university’s student loan office. “If you find it too difficult, ask for help.”

New graduates may want to involve their parents in the conversation. Parent PLUS borrowers who fail to consolidate their loans by July 1 may lose access to public service loan forgiveness and income-driven repayment plans.

“The job market does not reflect your worth”

New graduates are optimistic about their earning potential. According to a study by Clever Real Estate, the average college student expects to earn $80,000 upon graduation, but the actual starting salary for recent graduates is closer to $56,000.

According to Monster’s research, 79% of respondents believe they can land a job within three months of graduation, but expectations are starting to change as longer hiring timelines become more common. More than a third think their job search will take more than four months, and 15% think it will take more than six months.

“It can affect not only their concentration, but also their mental and emotional state. They may feel depressed or feel like it’s taking them longer than expected,” says Monster Career expert Vicky Salemi. “It’s really important for them to stay focused and stay on top of what they can control.”

This includes making networking calls, preparing for informational interviews, and revising resumes, she added.

“The job market is not a reflection of your worth…If your job search takes longer than expected, it doesn’t mean you failed your education or made the wrong decision,” Joy Thiessen Brownstein, student services coordinator at Samuel Merritt College, told USA TODAY. “Remember, your first job is not your final destination. Most successful professionals don’t start in a dream role, and careers are built over time.”

don’t lose hope

While it’s easy to feel defeated amid rising prices and overall economic uncertainty, Regan says new graduates are not new to feeling anxious. What has changed is how much information is available 24/7, she added.

“Push notifications can often cause feelings of anxiety, demotivation, and depression,” Regan said, suggesting the Class of 2026 ask themselves questions and tell themselves: “Does this really apply to me? Sure, the unemployment rate does, but does it really apply to me? I live in this job market and I’ve had X number of interviews. If not, I can afford student loans. I just have to make a plan.”

Howard said people are often most worried about not being able to find a job or being “replaced” by AI. The best way to allay those fears is to take action and talk to yourself differently, she added.

“My goal is to change the way people think,” Howard said, adding that new graduates can, for example, rely on university referral centers, build relationships with recruiters, or take AI courses to gain qualifications that are more marketable to employers. “When you have a negative soundtrack, you tend to avoid and do nothing, whereas give some structure to what you can control to bring about a different outcome.”

Contact Rachel Barber at rbarber@usatoday.com, follow her at X @rachelbarber_ and subscribe to her newsletter Making More of Your Money here.

In these 41 states, retirees are at risk of outliving their savings

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American retirees are likely to outlive their savings in 41 states, according to a new report.

Studies show that Americans fear running out of money in retirement more than they fear death itself. People are living longer, which means they are living longer in retirement and their retirement costs are increasing.

A new report from long-term care network CareScout finds that the average American age 65 faces a retirement savings gap of $109,000. It’s the difference between the income you can expect from Social Security, savings, and other sources and how much you can expect to spend on everyday expenses.

The report is based on state-level estimates such as life expectancy at age 65 (16 to 20 years, depending on state), average retirement benefits, median net worth, and expected retirement costs.

Retirees typically rely on Social Security for many of their expenses, along with their retirement savings. Social Security benefits never run out, but savings can. That’s why many Americans say they need $1 million or more saved for retirement, which could take 30 or 40 years.

Not surprisingly, in states with notoriously high costs of living, such as New York, California, Alaska, and Massachusetts, seniors are more likely to outlive their savings.

In contrast, retirees are in a better economic position in states such as Minnesota, Utah, and Colorado, where residents enjoy relatively manageable and high retirement incomes and expenses.

The purpose of the report is to encourage Americans to plan for their retirement, said CareScout CEO Sameer Shah. AARP research shows that many older Americans don’t work with a professional retirement planner.

“Americans are not ready for retirement,” Shah said. “People don’t think about how much money they’ll need in retirement.”

Where are retirees likely to outlive their savings?

Here are the 10 states, including the District of Columbia, where seniors are most likely to outlive their savings.

new york. The average senior can expect to have approximately $1.18 million in expenses and $712,000 in income during retirement. Projected shortfall: $471,000.

District of Columbia. Retirement spending averages $1.22 million and income averages $790,000. Projected shortfall: $432,000.

California. Seniors can expect to earn $943,000 and spend $1.34 million in retirement. Projected shortfall: $395,000.

Alaska. Retirement income averages $769,000 and expenses average $1.12 million. Projected shortfall: $350,000.

New Mexico. The retiree’s income would be $555,000 and expenses would be $832,000. Projected shortfall: $277,000.

Louisiana. Retirement income averages $531,000 and expenses average $772,000. Projected shortfall: $241,000.

Arkansas. A retiree can expect to have expenses of $727,000 and income of $490,000. Projected shortfall: $237,000.

Vermont. A retiree can expect to earn $819,000 and spend $1.05 million in retirement. Projected shortfall: $232,000.

Kentucky. Seniors can expect to spend $730,000 and earn $521,000 in retirement. Expected shortfall: $209,000.

Rhode Island. Seniors can expect to earn $819,000 and spend $1.02 million in retirement. The shortfall is expected to be $200,000.

Massachusetts, Arizona, Mississippi, Oklahoma, Alabama, South Carolina, Nevada, Missouri, West Virginia, Ohio, Oregon, North Carolina, Texas, Connecticut, Wisconsin, Delaware, Indiana, Georgia, Hawaii, South Dakota, Kansas, North Dakota, Michigan, Virginia, Maine, Wyoming, Iowa, Pennsylvania, Tennessee, Florida, Illinois, and New Jersey.

9 states where retirees can expect “surplus money”

According to the CareScout report, there are only nine states where retirees can expect to have a financial surplus in retirement through some combination of cutting expenses and increasing income.

The “surplus” status of retirement benefits is as follows:

Washington. Retirees can expect to earn an average of $1.3 million and spend $1.02 million in retirement. Projected surplus: $276,000.

New Hampshire. The average senior can expect to have $1.24 million in income and $1 million in expenses during retirement. Projected surplus: $240,000.

Colorado. Retirement income averages $1.14 million and expenses average $949,000. Projected surplus: $188,000.

Nebraska. The retiree’s income would be $969,000 and expenses would be $824,000. Projected surplus: $145,000.

Idaho. Average retirement costs are $896,000, average income is $1 million, and expected surplus: $112,000.

Minnesota.Retirement spending averages $871,000 and income averages $980,000. Projected surplus: $109,000.

Utah.Seniors can expect to earn $976,000 and spend $897,000 in retirement. Projected surplus: $79,000.

Maryland.Seniors can expect to earn $1.08 million and spend $1.06 during retirement. Projected surplus: $21,000.

Montana.Retirement spending averages $878,000 and income averages $897,000. Projected surplus: $19,000.

How to avoid outliving your retirement savings

Don’t want to outlive your savings? Here are some tips from the experts.

Don’t underestimate your lifespan

The average life expectancy in America is approximately 79 years. But by the time you retire, your life expectancy is even longer. For example, a 70-year-old woman can expect to live to 87 years.

Many older Americans do not know how long their retirement will last, or in other words, how long they will live.

Longevity literacy is important for retirement planning. If you budget for retirement assuming you’ll live to age 75, and you live to age 95, you’ll probably run out of money.

Make the most of your retirement savings

One way to ensure you’re building your retirement savings is to actively contribute to your workplace retirement account.

The most successful retirement savers typically start saving early, contribute at least 10% of their income to a 401(k)-type account, and save continuously until retirement.

Also, avoid using your retirement savings to cover household expenses. Instead, open an emergency savings account.

Claim Social Security Later

The longer you delay filing your Social Security claim, the higher your monthly benefits will be.

Based on the longevity numbers above, it’s more common to claim Social Security later in life if you can afford to wait. Ideally, you would wait until age 70, when your monthly benefit is at its maximum.

USA TODAY explained the math behind that rule of thumb in a 2025 article.