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Mindy Neira, a financial planner in Westwood, N.J., recommended that if you were having trouble managing card debt, take stock of your spending. “The first step is to look — without judgment — at where your money is going,” she said, including housing, food, entertainment, travel and loan payments.Then set a target for each category. (Ms. Neira said she preferred setting targets to making a strict budget, to account for monthly variations.) Ask: “Can I shift things around? Can I spend an extra $25 a month to pay down the debt?” Realize that if you took years to build your…

It is the heartbreaking story of a talented and popular footballer, her tragic death and the investigation into a family’s complaints about what they believe caused her emotional anguish.Maddy Cusack’s death in September sent shockwaves throughout the sport and plunged Sheffield United into a state of mourning for their longest-serving player. As her parents, David and Deborah, tried to get through their first Christmas without their eldest daughter, fans launched a petition to retire her No 8 shirt as a permanent tribute.“She fell in love with Sheffield United, the fans and the city of Sheffield,” Deborah told a memorial service…

Listen and follow ‘Hard Fork’Apple | Spotify | Amazon | YouTubeCasey is taking his newsletter Platformer off Substack, as criticism over the company’s handling of pro-Nazi content grows. Then, The Wall Street Journal spoke with witnesses who said that Elon Musk had used LSD, cocaine, ecstasy and psychedelic mushrooms, worrying some directors and board members of his companies. And finally, how researchers found a new class of antibiotics with the help of an artificial intelligence algorithm used to win the board game Go.Today’s guests:Kirsten Grind, enterprise reporter for The Wall Street JournalFelix Wong, postdoctoral fellow at M.I.T. and co-founder of…

Federal student loan borrowers who initially took out smaller loan amounts may be eligible for debt cancellation sooner than they anticipated.Starting in February, people enrolled in the Biden administration’s new income-driven repayment plan known as SAVE who originally borrowed $12,000 or less for college and have made at least 10 years of qualifying monthly payments would immediately have any remaining debt wiped out, Education Department officials said on Friday.The SAVE plan, which reduces payments for millions of borrowers, opened for enrollment last August. But some of its benefits, like the shortened path to forgiveness, were not set to take effect…