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These are the best personal finance books for 2022:

• “I Will Teach You To Be Rich,” by Ramit Sethi
• “Finance for the People,” by Paco de Leon
• “The Automatic Millionaire,” by David Bach
• “The Simple Path to Wealth,” by JL Collins
• “Get Good With Money,” by Tiffany “The Budgetnista” Aliche
• “Cashing Out: Win the Wealth Game by Walking Away,” by Julien and Kiersten Saunders
• “Retire Before Mom and Dad,” by Rob Berger
• “When She Makes More,” by Farnoosh Torabi
• “You Are a Badass at Making Money,” by Jen Sincero
• “The Millionaire Next Door,” by Thomas J. Stanley
• “Spend Well, Live Rich,” by Michelle Singletary
• “Your Money or Your Life,” by Vicki Robin
• “Broke Millennial Takes On Investing,” by Erin Lowry
• “Get a Financial Life,” by Beth Kobliner
• “The Financial Diet,” by Chelsea Fagan and Lauren Ver Hage
• “The Money Manual,” by Tonya B. Rapley
• “Clever Girl Finance,” by Bola Sokunbi
• “How I Invest My Money,” by Joshua Brown and Brian Portnoy

We’ve put together a list of 18 books for every stage of life and for every money goal, whether you want to retire early, invest in the stock market, start conversations about money with your family, or just see money from a different point of view. 

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Amazon; Alyssa Powell/Insider

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Every day, we’re inundated with new trends and the next “it” clothing items to add to our shopping carts. So much so that it feels nearly impossible to keep up. That’s the prime issue with the fashion industry in today’s world: Its endless cycle of overproduction and overconsumption causes harm to both people and the planet.

“The rate and volume with which we wear and discard our clothing has resulted in an unsustainable system that relies on the exploitation of planetary and human resources,” says Alyssa Beltempo, a slow fashion expert and sustainable stylist. “Two-thirds of our clothes are made from synthetics derived from fossil fuels, and 20 percent of industrial water pollution is due to garment manufacture and dyeing. Millions of garment professionals work in unfair and unsafe conditions, simply so that we can wear a garment an average of five times before discarding it.”

Every year, 21 billion pounds of textile waste is sent to landfills. That’s 85 percent of all textiles produced, and to put it into perspective, it’s the equivalent of one garbage truck filled with clothing being dumped in a landfill every second. Much of this waste can be attributed to fast fashion brands.

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Underground Railroad ‘conductor’ Harriet Tubman was born in Dorchester County around 1822. At this small museum in downtown Cambridge – just a few miles from where she grew up – learn of the strength, courage, and determination of this remarkable woman.

The Harriet Tubman Museum & Education Center was started in the 1980s – and is still run by – dedicated local volunteers who want to share Harriet Tubman’s story and preserve her legacy. The museum building features a powerful and moving mural of Harriet Tubman that has attracted attention from around the country. The mural was commissioned by the Dorchester Center for the Arts and completed in May 2019 by artist Michael Rosato.

NOTE: This museum is different from the Harriet Tubman Underground Railroad Visitor Center, which opened in 2017 in Church Creek, Maryland, about a 20-minute drive from downtown Cambridge. Find out more about the Tubman Visitor Center.

The Harriet Tubman Museum offers exhibits and a short film about Tubman’s life, as well as a resource area. Groups are welcome; please call ahead. The museum can also organize tours of the area where Tubman lived and toiled. The museum is usually open Tuesday through Friday, 12-3pm, and Saturday, 12-4pm. There is no admission fee but donations are welcome.

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Harriet Tubman

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The tech industry might be reeling from a wave of layoffs, a dramatic crypto-crash, and ongoing turmoil at Twitter, but despite those clouds, some investors and entrepreneurs are already eyeing a new boom—built on artificial intelligence that can generate coherent text, captivating images, and functional computer code. But that new frontier has a looming cloud of its own.

A class-action lawsuit filed in a federal court in California this month takes aim at GitHub Copilot, a powerful tool that automatically writes working code when a programmer starts typing. The coder behind the suit argues that GitHub is infringing copyright because it does not provide attribution when Copilot reproduces open-source code covered by a license requiring it.

The lawsuit is at an early stage, and its prospects are unclear because the underlying technology is novel and has not faced much legal scrutiny. But legal experts say it may have a bearing on the broader trend of generative AI tools. AI programs that generate paintings, photographs, and illustrations from a prompt, as well as text for marketing copy, are all built with algorithms trained on previous work produced by humans. 

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Illustration: Jacqui VanLiew; Getty Images

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It feels like I’m working every day just to survive. I’m really scared about the future. If things get any worse and prices go up further, I don’t know how I’ll be able to live.’

These are the words of Mary, a 45-year-old nurse from North London. Hers is the kind of response I’ve become accustomed to when I ask nurses about the cost of living crisis, and one that encapsulates just how tough things have become—not only for nurses but for workers across every sector, as the crisis continues to bite.

The fight for survival, as Mary describes it, has become more pronounced in the past year or so. But it’s been a problem for far longer, with NHS staff bearing the brunt of their sector being under-resourced and neglected for years. Between 2011 and 2021, NHS nurses’ average basic earnings fell by five percent in real terms, and excessive workloads have become a chronic issue. Now, with further real terms pay cuts on the cards, many have reached their breaking point.

‘I feel angry,’ says Mary. ‘NHS workers like me were classed as essential during the pandemic. Politicians applauded us and sang our praises, but when it comes to a pay rise, they change their tune quicker than anything.’

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Between 2011 and 2021, NHS nurses’ average basic earnings fell by five percent in real terms, and excessive workloads have become a chronic issue. (Getty Images)

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You know the holidays are here when Amazon, FedEx, and UPS delivery trucks flood the streets, dropping off packages of all shapes and sizes on doorsteps and in apartment lobbies. But this telltale sign of the holiday shopping season also means that porch pirates will be on the prowl, snatching up those packages faster than the Grinch on Christmas Eve.

In fact, 11 percent of Americans had at least one package stolen from their home in the previous year, according to a September 2021 Consumer Reports nationally representative survey (PDF) of 2,341 adults. Among that group, 64 percent had a package stolen at least twice in the previous year.

Our survey also found that a number of socio-demographic variables factor into whether you’re likely to have a package stolen. Package theft was more common in multifamily dwellings than single-family homes, as well as in urban areas (16 percent) than in suburban (9 percent) and rural areas (8 percent). It was also reported more frequently by younger individuals and lower-income households, with 21 percent of affected respondents making less than $30,000 per year and falling within the 18-to-29 age bracket, compared with 8 percent of those making $30,000+ per year and 9 percent of Americans 30 and older.

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Buying a home in the colder months is often a smart move, but this year is a bugger. A new report from real-estate firm Redfin shows that on average, a record 2% of the homes for sale on the U.S. market were pulled from listings every week in the 12 weeks leading up to Nov. 20. For buyers and sellers alike, that might sound alarming. Here is what’s going on.

Why is this happening?

Redfin analyzed MLS data from 43 of the 50 most populated metropolitan areas in the country, determining sellers are delisting their properties because they’re not getting offers at their preferred price—or in some cases, no offers at all. The monthly mortgage payment on the median-asking-price home is also 40% higher right now than it was a year ago.

While there might have been a housing market frenzy last year, it looks like that has really slowed down. Home prices spiked during the height of the pandemic, leading to “pandemic boomtowns,” but those locations—like Sacramento, Calif. and Austin, Texas—are seeing the biggest declines in listings now.

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