|     |     |     | ALL THE MONEY NEWS YOU NEED TO KNOW |  |      |     |  |     | Daniel de Visé |   Personal Finance Reporter
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 Good morning! It's Daniel de Visé with your Daily Money. |      | Hudson, the Daily Money dog. Daniel de Visé |      | 
 All the misleading buzz about Social Security and tax cuts for seniors in the "One Big Beautiful Bill," now a law, foreshadows one ugly scene after another at tax preparation offices next year, Susan Tompor writes in her column. |      | 
 What is the 'lock-in phenomenon'? |      | 
 Americans are increasingly cautious about selling their homes in 2025, a new survey from Bankrate found. |      | 
 More than half of U.S. homeowners said they would be uncomfortable selling their home this year, no matter the mortgage rate, an increase of 12 percentage points from last year's survey.  |      | 
 Which to buy: Mutual funds or ETFs? |      | 
 Investors and retirement savers who want to own broad swaths of the stock and bond markets often face a choice: Do they want to buy time-honored mutual funds, or upstart exchange-traded funds?  |      | 
 If you're wondering which is the better option, investors have more or less answered that question, voting with their feet. |      | 
 📰 More stories you shouldn't miss 📰 |      | 
 Each weekday, The Daily Money   delivers the best consumer and financial news from USA TODAY, breaking down complex events, providing the TLDR version, and explaining how everything from Fed rate changes to bankruptcies impacts you. |      | 
 Daniel de Visé covers personal finance for USA Today. |  |      |     | Experts say retiree Social Security is still taxable and you'll need to read the fine print to understand your situation and what you should withhold. |  |      |     |     |     |     |   More than half of Americans surveyed said there is no mortgage rate at which they would be comfortable selling their home this year. |  |  |  |      |     |     |     |   Investors and retirement savers often face a choice: Mutual fund or ETF? Investors are voting with their feet. |  |  |  |      |     |     |     |   Astronomer Interim CEO Pete DeJoy addressed the infamous Coldplay "Kiss Cam" scandal that prompted former CEO Andy Byron to resign. |  |  |  |      |     |     |     |   The change at Costco's food courts "began rolling out" at the beginning of July, according to a statement shared with Fox. |  |  |  |      |     |     |     |   Looking to improve employee engagement? These 4 proven strategies go beyond perks to help your team feel seen, heard and motivated. |  |  |  |      |     |     |     |   The retailer is changing its policy, effective July 28. |  |  |  |      |     |     |     |   It might be prudent to make a point of collecting a little more cash in the near future, and worry a little less about growth. |  |  |  |      |     |     |     |   Some dual-income couples without kids will stop at nothing to care for their "fur babies." Some 68% are making these financial sacrifices. |  |  |  |      |     |     |     |   Our app gives you award-winning coverage, crosswords, audio storytelling, eNewspaper and more. |  |  |  |  |      |     |     |     | Sign up for the news you want |      | Exclusive newsletters are part of your subscription, don't miss out! We're always working to add benefits for subscribers like you. |  |  |  |  |  | 
  
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