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Tuesday, 30 September 2025

What a government shutdown means for you

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The Daily Money

ALL THE MONEY NEWS YOU NEED TO KNOW

Tue Sep 30 2025

 

Daniel de Visé Personal Finance Reporter

Good morning! It's Daniel de Visé with your Daily Money.

A federal government shutdown is set to begin at 12:01 a.m. unless congressional leaders can reach a funding deal. Democrats are digging in over health insurance funding, as Republicans push to reduce spending.

Here is a roundup of failed negotiations aimed at averting the shutdown.

And here is a look at how a shutdown would affect federal workers in every state.

📰 More stories you shouldn't miss 📰

Will a government shutdown delay your flight?
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The biggest Social Security surprise for retirees in 2026
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📰 A great read 📰

Finally, here's a popular story from earlier this year that you may have missed. Read it! Share it!

Over the past several decades, the U.S. stock market has yielded average annual returns of around 10%.  What if those days are over? 

In recent forecasts, Vanguard projects the stock market will rise by only 3.3% to 5.3% a year over the next decade. Morningstar sees U.S. stocks gaining 5.2% a year. Goldman Sachs forecasts the broad S&P 500 index will gain only 3% a year.

About The Daily Money

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.

President Donald Trump participates in a joint press conference with Israeli Prime Minister Benjamin Netanyahu (off frame) in the State Dining Room of the White House on September 29, 2025.

President Donald Trump failed to strike an agreement with congressional leaders to keep the government funded.

Social Security benefits are mandated by law to continue being paid even in a government shutdown.
 

What happens to Social Security in a government shutdown?

Social Security does get funding from the government but isn't impacted the same way as other federal services during a shutdown.

Visitors walk near the U.S. Capitol as a looming partial government shutdown is a week away if Congress fails to fund the government, on Capitol Hill in Washington, D.C., U.S., September 24, 2025. REUTERS/Nathan Howard
 

See how many federal employees are in your state during a shutdown

Every state has federal workers but numbers vary widely. See the breakdown and how many in your state may clam jobless benefits if government closes.

ATLANTA, GEORGIA - JUNE 28: Travelers wait in a security checkpoint line at Hartsfield-Jackson Atlanta International Airport on June 28, 2024 in Atlanta, Georgia.
 

What a government shutdown means for airports, flights

A partial government shutdown is looming, and travelers may be wondering what that means for their upcoming flights.

An Amazon Go store stands in lower Manhattan on May 1, 2025 in New York City.
 

Amazon's crackdown on certain shared Prime accounts begins this week

The Prime Invitee Program was launched in 2009 and allowed customers to share Prime benefits with anyone, regardless of primary address.

The Internal Revenue Service has announced that IRS Free File will begin accepting individual tax returns as of Jan. 10, 2025, for the 2024 tax season.
 

Paper tax refunds are being phased out by IRS

The IRS is phasing out paper tax refund checks, beginning this week.

A person looking at a laptop.
 

Retirees should watch out for this Social Security surprise in 2026

For retirees on Social Security, here's what to expect in 2026.

Subaru Crosstrek (Subcompact SUV): The Crosstrek is designed for both urban touring and wilderness adventure. It offers an excellent ride, good fuel economy, standard all-wheel drive, and a high ground clearance that makes it able to handle rougher roads. It's easy to climb into and out of. Both the front and rear seats are comfortable and supportive, and the combination of physical and touchscreen controls are mostly user-friendly, according to CR's testers. For 2025, only the base trim has a weak   152-hp engine. All other versions have the peppier 182-hp, 2.5-liter four-cylinder that CR prefers.
 

Best vehicles of the year: 10 top picks of 2025 in photos

Consumer Reports' 2025 top picks list includes the Nissan Sentra, Subaru Forester and Tesla Model Y. See what's best for shoppers.

The MTV logo, a beacon for Generation X.
 

As Gen X approaches retirement, reality still bites

New surveys suggest the MTV Generation is regretful about past financial missteps, anxious about the current economy and fretful for the future.

USA TODAY
 

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