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Debt & Loans

Student Loan Repayment in 2026: A Decision Guide for Federal Loans

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Home & Insurance

Mortgage Down Payment: How Much Cash Should You Use?

A mortgage down payment should balance loan cost with the cash you need after closing. A larger amount can reduce the loan, payment, and mortgage-insurance cost, but using every available dollar can leave the household unable to handle repairs, moving costs, or income disruption.

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Home & Insurance

Homeowners Insurance That Fits the Home You Own

Homeowners insurance can cover the dwelling, personal property, loss of use, and personal liability, subject to the policy’s limits, deductibles, exclusions, and conditions. It does not cover every cause of damage.

About

Funded Wallet is an independent personal-finance education publication. We explain everyday decisions about budgeting, saving, banking, credit, debt, investing, taxes, income, and more in plain English, with practical steps, clear tradeoffs, and reliable sources.

We focus on the details that can change a decision, including costs, risks, timing, eligibility, and the questions to ask before you act.

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