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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.

Here's what to know about Social Security payments during a shutdown.

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

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•	Paper tax refunds are being phased out
•	The biggest Social Security surprise for retirees in 2026
•	Consumer Reports top 10 vehicles of the year

📰 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.

And those numbers aren't outliers.

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.