The Ledger Project

Championing a financial system grounded in stability, transparency, and trust. When critics get it wrong, we provide the truth and counter false narratives.

[NAR Research @NAR_Research]

What defines today’s home buyer and seller? NAR’s 2026 Profile finds first-time buyers are just 22% of buyers, while 90% of buyers used an agent. Explore these findings and more in the top 10 takeaways. https://t.co/BkRANdk7hP

[FTC @FTC]

Need to pay an E-ZPass toll online? Scroll past the paid search results to help avoid scams. Learn more: https://t.co/s3Ywg7tWVB

[The Ledger Project @LedgerProj]

@NFIB More Main Street owners hiring is good news for workers and their communities. Keeping credit flowing to small businesses helps that momentum keep going.

[The Ledger Project @LedgerProj]

@FTC Veterans who build businesses after serving shouldn't lose their hard-earned savings to scammers. Verify before you pay! #VetBiz

[The Ledger Project @LedgerProj]

Americans held $1.26 trillion in credit card balances as of June. A rate cap may sound like relief, but it would likely cut off the families on the margins first, and push some toward payday loans with APRs near 400 percent.

Read more here: https://t.co/AchDIfF1GN

[The Ledger Project @LedgerProj]

@CNBCMakeIt Debt, savings habits, and credit history are worth talking through early! Those conversations get a lot harder after a surprise shows up...

[The Ledger Project @LedgerProj]

Roughly half of voters said the cost of living was "crucial" to their vote for Congress. For families with little cushion left, affordability is also about whether credit is available and affordable.

Read more here: https://t.co/HEPPERFAc9

[CNBC Make It @CNBCMakeIt]

Are you richer than you think? How to find out—and what experts say to do if you are https://t.co/em19oEPl52

[The Ledger Project @LedgerProj]

Whether the gap is 1.5 million homes or 7.3 million, families feel it in rent and in bids they lose. Closing this gap takes more building and the financing to make it happen.

[Bipartisan Policy Center @BPC_Bipartisan]

The U.S. housing supply is short an estimated 1.5 million to 7.3 million homes, a gap that contributes to why families pay more for housing. BPC's Terwilliger Center newsletter is how you keep up with the bipartisan work to close it.

In this month’s issue: whether the Build America, Buy America Act is adding delays and costs to affordable housing, eviction prevention nationwide, and the story of BPC's role in helping the 21st Century ROAD to Housing Act become law.

Subscribe to follow along: https://t.co/0OPhWwDNgG

#HousingAffordability #Housing

[The Ledger Project @LedgerProj]

November is National Family Caregivers Month. If you help manage a parent's money, set up account alerts and agree on a "call me first" rule for any urgent request for cash or gift cards. Scammers count on no one checking.

[The Ledger Project @LedgerProj]

Protecting older adults from fraud takes everyone: families, caregivers, law enforcement and the institutions that hold their savings. Worth a read from @FTC.

[FTC @FTC]

New report on the FTC’s work to protect older adults: https://t.co/gMLePNVDuw

[The Ledger Project @LedgerProj]

@NCOAging Money is one of the biggest sources of stress for older adults. A simple budget and a little emergency cushion can go a long way toward peace of mind!

[CNBC Make It @CNBCMakeIt]

As the cost of living keeps climbing, Americans are 'trying to muscle through' the affordability crisis, analyst says https://t.co/OsVoR5K5g7

[The Ledger Project @LedgerProj]

@CNBCMakeIt Families shouldn’t have to muscle through. Steady access to savings, credit, and affordable housing is what turns getting by into getting ahead.

[The Ledger Project @LedgerProj]

$170 a month. That’s how much lower property taxes would need to cut costs to put a starter home within reach of 93,500 more Florida households under 45, according to @NAR_Research. For first-time buyers, small numbers decide big milestones.

[NAR Research @NAR_Research]

Lower property taxes could bring homeownership closer for younger Floridians. A $170 monthly reduction could put a starter home within reach of 93,500 more households under 45, including about 40,000 more renters.
https://t.co/GDmYYqENq5

[Bipartisan Policy Center @BPC_Bipartisan]

Will you outlive your lifetime's savings? What are the challenges and potential solutions to designing retirement plans that guarantee income for the rest of your life?

@401kbrian reviews our issue brief on protected lifetime income for @401kspecmag noting that the opportunities lie in "giving plan sponsors the confidence, infrastructure and tools to offer them, and convincing participants to use them."

Read more: https://t.co/qCPUxl3H5Y

[The Ledger Project @LedgerProj]

Small habits add up. Paying more than the minimum when you can, and knowing your rate, are two of the simplest ways to keep a card working for you instead of against you.

[CNBC Make It @CNBCMakeIt]

This is ‘one of the worst’ credit card habits, experts say—41% of cardholders do it https://t.co/xekgGP3XdC

[CNBC Make It @CNBCMakeIt]

This is ‘one of the worst’ credit card habits, experts say—41% of cardholders do it https://t.co/xekgGP3XdC

[The Ledger Project @LedgerProj]

@NAR_Research The question behind this index is simple: can a typical family afford a typical home? The answer depends on prices, incomes, and whether buyers can get a mortgage they can manage.

[FTC @FTC]

Scammers pretend to be with the VA but charge upfront fees to “help” you. FTC Chairman @AFergusonFTC has a reminder to help veterans avoid this scam: