# Savr Digest

> Savr Digest is an independent publication covering Money talk & personal finance. Focus: Household money, tax and consumer-protection news. Published by Independent Journal; sponsored by Adamson Brothers Corp. (see the About page). Articles are drafted from primary sources with AI assistance and reviewed under our editorial policy. Not investment advice.

## Usage
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- News articles are time-sensitive; check the publication date. Guides are evergreen and updated over time.

## Sections
- [Latest news](https://savrdigest.com/): newest articles first
- [Guides](https://savrdigest.com/guides/): evergreen explainers
- [Topics](https://savrdigest.com/topics/): topic index
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## Guides
- [How to Read a Credit Report and Spot Errors](https://savrdigest.com/how-to-read-a-credit-report/): A credit report lists your accounts, payment history and inquiries. Learn each section, how to request free copies, how to dispute errors and what it is not.
- [401(k) vs. IRA: How Retirement Accounts Compare](https://savrdigest.com/401k-vs-ira-retirement-accounts/): A 401(k) is offered through an employer and an IRA is opened on your own. Compare traditional and Roth versions, employer matches, rollovers and withdrawals.
- [How Tax Brackets Work: Marginal Rates Explained](https://savrdigest.com/how-tax-brackets-work/): Tax brackets apply rates in layers, so a raise cannot shrink your take-home pay. See how marginal and effective rates differ and where to find IRS figures.
- [How to Build an Emergency Fund: A Practical Guide](https://savrdigest.com/how-to-build-an-emergency-fund/): An emergency fund is cash set aside for surprises. Learn how to size one, where to keep it, how to build it on a tight budget and when it is right to use it.

## Recent articles
- [FTC Consumer Protection Case Targets $60M Sextortion Relief Scheme](https://savrdigest.com/ftc-consumer-protection-sextortion-relief-scheme/) (2026-10-13): A federal court has paused Digital Forensics Corporation after the FTC alleged it took at least $60 million from sextortion victims for services never delivered.
- [FTC sends GOAT refunds in a consumer protection case](https://savrdigest.com/ftc-goat-refunds-consumer-protection/) (2026-10-07): The FTC is sending over $100,000 in redress to shoppers deceived by sneaker marketplace GOAT over shipping delays and denied refunds. Here's what changed.
- [FTC Warns 24 Healthcare Firms on Pricing in Consumer Protection Push](https://savrdigest.com/ftc-hospital-pricing-consumer-protection-letters/) (2026-10-06): The FTC sent letters to 24 of the largest healthcare services companies, warning that hiding or muddying prices for scheduled care can violate federal law.
- [Consumer protection: CFPB backs national financial literacy plan](https://savrdigest.com/consumer-protection-cfpb-national-financial-literacy-strategy/) (2026-10-04): The CFPB says it supports a new National Strategy for Financial Literacy covering youth skills, saving and investing habits, digital literacy and fraud avoidance.
- [CFPB backs new national financial literacy strategy: what to know](https://savrdigest.com/cfpb-national-strategy-financial-literacy-personal-finance-news/) (2026-10-03): The CFPB is backing a new National Strategy for Financial Literacy aimed at youth money skills, saving habits, digital literacy and fraud avoidance. Here's what it means.
- [Consumer protection: FTC sues Lens.com over 'Taxes & fees'](https://savrdigest.com/ftc-lens-com-lawsuit-hidden-taxes-fees/) (2026-10-02): The FTC, Utah and Nevada sued Lens.com, alleging a hidden 'Taxes & fees' charge that often doubled advertised contact lens prices. Details of the complaint.
- [Consumer protection alert: IRS warns of fake tribal tax credits](https://savrdigest.com/consumer-protection-irs-tribal-tax-credit-scams/) (2026-09-18): In IR-2026-112 on September 18, 2026, the IRS warned taxpayers against promoters selling nonexistent Tribal Tax Credits and Native American Tax Credits.
- [Consumer protection: FTC issues car price transparency FAQs](https://savrdigest.com/ftc-auto-dealer-price-transparency-faqs/) (2026-09-15): FTC staff published price transparency FAQs for auto dealers. The advertised price must be what any buyer can pay, excluding only government-required charges.
- [Consumer protection: FTC, 22 states sue Amazon on ad pricing](https://savrdigest.com/ftc-states-sue-amazon-advertising-auction-surcharge/) (2026-08-31): The FTC and 22 states allege Amazon secretly raised advertisers' costs through a hidden surcharge in its ad auctions. Here is what the complaint says.
- [Tax news: IRS holds Q4 2026 interest rates steady at 7%](https://savrdigest.com/tax-news-irs-interest-rates-q4-2026/) (2026-08-21): In IR-2026-98 on August 21, 2026, the IRS kept interest rates on individual tax overpayments and underpayments at 7% for the fourth calendar quarter of 2026.
- [Consumer protection: Doxo pays $2.1 million over bill-pay fees](https://savrdigest.com/ftc-doxo-settlement-bill-payment-fees/) (2026-08-17): Doxo will pay $2.1 million to settle FTC claims that it posed as consumers' billers in search ads and added undisclosed delivery fees to bills it paid.
- [Retirement news: IRS details 2027 Saver's Match with up to $1,000](https://savrdigest.com/retirement-news-savers-match-notice/) (2026-08-07): IRS Notice 2026-48, announced August 7, 2026, outlined the Saver's Match: a 50% federal match on up to $2,000 of retirement savings, starting in 2027.
- [Consumer protection: FTC and states sue Hims & Hers over privacy](https://savrdigest.com/ftc-hims-hers-health-privacy-subscription-lawsuit/) (2026-07-29): The FTC, Utah and California sued Hims & Hers over health data sharing with ad platforms and hard-to-cancel subscriptions. What the complaint alleges.
- [Consumer protection: FTC finalizes TruHeight supplement order](https://savrdigest.com/ftc-truheight-consumer-protection-supplement-order/) (2026-07-15): The FTC finalized its order against TruHeight over height-growth supplements for kids, with a $750,000 payment and a ban on fake or incentivized reviews.
- [Retirement news: Social Security trust funds still projected for 2034](https://savrdigest.com/retirement-news-social-security-trustees-2034/) (2026-06-09): The 2026 Social Security Trustees Report, released June 9, kept the combined trust fund depletion date at 2034, when 83% of scheduled benefits would be payable.
- [Personal finance news: Trump Account elections move online at IRS](https://savrdigest.com/personal-finance-news-trump-account-elections/) (2026-05-28): On May 28, 2026, the IRS let taxpayers file and track Form 4547 Trump Account elections in their online Individual Account, with a $1,000 pilot deposit.

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## Contact
- Corrections and tips: editor@savrdigest.com