Dimensional ETF Trust Dimensional US High Profitability ETF (ARCA: DUHP)

Dernières nouvelles pour Dimensional ETF Trust Dimensional US High Profitability ETF (ARCA:DUHP)

Dimensional ETF Trust Dimensional US High Profitability ETF

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Fund seeks to achieve the US High Profitability ETFs investment objective, the Advisor implements an integrated investment approach that combines research, portfolio design, portfolio management, and trading functions. As further described below, the Portfolios design emphasizes long-term drivers of expected returns identified by the Advisors research, while balancing risk through broad diversification across companies and sectors. The Advisors portfolio management and trading processes further balance those long-term drivers of expected returns with shorter-term drivers of expected returns and trading costs.

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Pepsico Inc.

Costco Wholesale Corp Common Stock Usd 0.005

Dimensional US High Profitability ETF

JPMorgan Chase (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>) chief executive Jamie Dimon says U.S. companies are short on workers who can code software, secure networks and run complex projects.
What Happened: "We are short on labor," Dimon <a href="https://fortune.com/2025/06/23/jpmorgan-chase-ceo-jamie-dimon-in-demand-skills-gen-z-cyber-coding-computer-science-project-management/">told</a> the Business Roundtable's CEO Workforce Forum. "We all have needs for cyber, we all have needs for coding, we all have needs for programming … financial management and program management, things like that."
Dimon's remarks cut against <a href="https://www.benzinga.com/markets/tech/25/06/46041419/sam-altman-says-ai-will-make-his-kids-more-capable-not-more-intelligent-my-kids-will-never-be-smarte">forecasts</a> of an entry-level "bloodbath" as artificial-intelligence tools automate routine office tasks. He argued the bottleneck is skills, not head count, and urged schools to embed industry credentials in their curriculum so graduates can "get out and get a good job."
"Too much focus in education has been on graduating college," he <a href="https://www.youtube.com/watch?v=WAHfdX4rsMw">told</a> Indianapolis TV last year. "It should be on jobs."
Dimon, who is also a board member of the New York Jobs CEO Council, also highlighted how some educational institutions are collaborating with the private sector to create programs that improve job readiness.
See also: <a href="https://www.benzinga.com/news/25/06/46067665/the-real-budget-killer-isnt-big-purchases-its-the-20-here-20-there-habits-that-quietly-empty-your-account">The Real Budget Killer Isn&#8217;t Big Purchases—It&#8217;s The $20 Here, $20 There Habits That Quietly Empty Your Account</a>
Why It Matters: Dimon's sentiment comes as young graduates enter a workforce where automation and AI are rapidly displacing entry-level positions.
Chris Hyams, the CEO of popular job-search platform Indeed, recently warned that "for about two-thirds of all jobs, 50% or more of those skills are things that today's generative AI can do reasonably well, or very well." Citing a study, which dissected roughly two million postings skill by skill, <a href="https://www.benzinga.com/25/05/45511651/ai-wont-steal-your-paycheck-yet-two-thirds-of-all-jobs-have-half-their-skills-up-for-grabs-says-indeed-ceo-chris-hyams">Hyams' blunt takeaway</a> is that "pretty much every job is going to change if it's not changing already."
Demis Hassabis, CEO of Alphabet Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOGL#NASDAQ">GOOGL</a>) (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOG#NASDAQ">GOOG</a>) subsidiary Google&#8217;s DeepMind, is also of the opinion that while AI is displacing certain jobs, it will also <a href="https://www.benzinga.com/markets/tech/25/06/45740298/googles-demis-hassabis-says-ai-natives-have-very-valuable-jobs-waiting-for-them-but-they-need-to-study-these-subjects-at-school">create new ones</a>. Meta Platforms (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>) CEO Mark Zuckerberg forsees AI evolving into a &#8220;midlevel engineer&#8221; <a href="https://www.benzinga.com/tech/25/05/45338301/zuckerberg-foresees-tech-industry-revolution-with-ai-an-ai-that-can-effectively-be-a-sort-of-midlevel-engineer">capable of writing code</a>, enabling small, talent-dense teams to develop high-quality products.
Photo Courtesy: Lev Radin on Shutterstock.com
Read next: <a href="https://www.benzinga.com/personal-finance/financial-advisors/25/06/46067598/bill-gates-kids-were-stunned-to-find-warren-buffett-chowing-down-on-oreos-for-breakfast-after-a-sleepover-naturally-they-demanded-some-too">Bill Gates&#8217; Kids Were &#8216;Stunned&#8217; To Find Warren Buffett Chowing Down On Oreos For Breakfast After A Sleepover—Naturally, They Demanded Some Too</a>

Education

General

GOOG

GOOGL

Jamie Dimon Says These Are The 3 Skills Businesses Seek, Admits 'We Are Short On Labor'

News

LOGI

Logitech G And McLaren Racing Expand Multi-Year Partnership To Boost G Challenge And Launch New Sim Racing Gear

Starting in July 2025, the following Audi models will be equipped with Dolby Atmos:&nbsp;
<ul>
<li>Audi Q7</li>
<li>Audi Q8</li>
<li>Audi A8</li>
<li>Audi e-tron GT</li>
</ul>

Dolby And Audi Partner To Bring Dolby Atmos To Select 2025 Models Starting In July

LAES

WKEY

Reported Earlier, WISeSat And SEALSQ Launch First DePIN Satellite With SpaceX, Advancing Quantum-Safe Space Security

Rep.&nbsp;Adam Schiff&nbsp;(D-Calif.)&nbsp;introduced legislation Monday aimed at curbing the alleged corruption in cryptocurrency ventures by&nbsp;President Donald Trump and other senior&nbsp;administration officials.
What Happened: In a video posted on X, Schiff said the so-called COIN Act wants to end the ongoing &#8220;corruption in plain sight.&#8221;
&#8220;The presidency has been super lucrative for Donald Trump,&#8221; he said. &#8220;Nothing has been more lucrative than the cryptocurrency schemes that he and his kids have been involved in.&#8221;
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
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<blockquote class="twitter-tweet" data-width="500" data-dnt="true">Donald Trump and other senior administration officials have made a fortune off of crypto schemes. Today, I&#39;m introducing the COIN Act to put a stop to this corruption in plain sight. <a href="https://t.co/8wieNSCPgC">pic.twitter.com/8wieNSCPgC</a>
&mdash; Adam Schiff (@SenAdamSchiff) <a href="https://twitter.com/SenAdamSchiff/status/1937104134580191559?ref_src=twsrc%5Etfw">June 23, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
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According to Schiff, the act would prohibit the U.S. President, Vice President, their immediate families and executive officials from issuing and promoting cryptocurrencies, including meme coins, non-fungible tokens and stablecoins. The act also requires public officials to include cryptocurrencies in their annual financial disclosures and periodic transaction reports.&nbsp;
Furthermore, the bill would apply the criminal conflict of interest provision requiring officials to recuse themselves from official matters that would influence their cryptocurrency wealth.
The White House didn&#8217;t immediately return Benzinga&#8217;s request for comment.
See Also:&nbsp;<a href="https://benzinga.com/crypto/cryptocurrency/25/06/46054595/xrp-sheds-10-in-seven-days-so-why-are-traders-still-bullish" target="_blank" rel="noreferrer noopener">XRP Sheds 10% In Seven Days – So Why Are Traders Still Bullish?</a>
Why It Matters: Recent financial disclosures revealed that Trump&#8217;s investment in the family-backed cryptocurrency platform&nbsp;World Liberty Financial&nbsp;<a href="https://www.benzinga.com/news/politics/25/06/45939551/trump-made-57-4-million-from-family-crypto-firm-plus-big-bucks-from-branded-guitars-sneakers-and-watches">generated him over $57.35 million last year</a>. 
But that&#8217;s not all. A slew of cryptocurrency ventures pushed by Trump and his family have sparked controversy, particularly since his return to the White House.
The Trump family&#8217;s backing of the dollar-pegged stablecoin USD1 <a href="https://www.benzinga.com/25/05/45509721/elizabeth-warren-urges-congress-to-vote-against-genius-act-citing-potential-for-trumps-corruptionanthony-scaramucci-warns-democrats-against-political-suicide">was fiercely opposed</a> by Sen. Elizabeth Warren (D-Mass.), who argued that the GENIUS Act, also known as the stablecoin bill, would enable this corruption
The Official Trump (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/">TRUMP</a>) memecoin, launched just days before Trump took the presidential oath, has also raised concerns. Trump <a href="https://www.benzinga.com/markets/cryptocurrency/25/05/45581129/trump-gala-dinner-saw-president-wine-and-dine-top-memecoin-holders-as-protestors-flashed-don-the-con-signs-exclusive">hosted a private dinner</a> for the top holders of the coin, including controversial cryptocurrency mogul Justin Sun.
Read Next:&nbsp;
<ul class="wp-block-list">
<li><a href="https://benzinga.com/crypto/cryptocurrency/25/06/45989307/senate-passes-genius-act-coinbases-brian-armstrong-calls-it-big-milestone-scott-bessent-says-passage-could-drive-stablecoins-into-a-3-7-trillion-market" target="_blank" rel="noreferrer noopener">Senate Passes GENIUS Act—Coinbase&#8217;s Brian Armstrong Calls It &#8216;Big Milestone,&#8217; Scott Bessent Says Passage Could Drive Stablecoins Into A $3.7 Trillion Market</a></li>
</ul>
Photo Courtesy: Lev Radin on Shutterstock.com
Disclaimer:&nbsp;This content was partially produced with the help of&nbsp;<a href="https://www.benzinga.com/author/benzinga-neuro" target="_blank" rel="noreferrer noopener">Benzinga Neuro</a>&nbsp;and was reviewed and published by Benzinga editors.<a href="https://www.benzinga.com/apis?utm_source=benzinga.com&amp;utm_campaign=article-bottom" rel="noreferrer noopener" target="_blank"></a>

Coverage of Bitcoin, Etherum, Ripple and all the latest digital currencies.

Cryptocurrency

Politics

Markets

$TRUMP

Trump's Crypto Ventures Have Been 'Lucrative,' But Adam Schiff Says He Is Bringing In A Law To End 'Corruption In Plain Sight'

GPRO

Reported Earlier, GoPro Launches MotionFrame And POV Tools In Quik App To Turn 360 Footage Into Polished Fixed-Frame Edits Using AI, Gyroscope, And GPS Direction Tracking

Reported Earlier, Apollo Extends Second Major Financing To MIAL With $750M Investment Grade Facility Supporting CSMIA Expansion, Operational Flexibility, And ESG Goals

A woman named Allie thought she and her husband were on the verge of making a smart financial move: take most of their IRA savings and throw it at the mortgage. But when she ran the plan by <a href="https://www.benzinga.com/personal-finance/management/25/06/46014776/he-makes-150k-she-makes-63k-so-why-did-they-use-a-heloc-to-pay-off-his-45k-debt-suze-orman-weighs-in">Suze Orman</a>, the reaction wasn't what she expected.
"That's the worst idea I've ever heard in my entire life," Orman said on a <a href="https://omny.fm/shows/suze-ormans-women-and-money/ask-kt-suze-anything-how-much-should-i-charge-my-child-in-rent">recent episode</a> of her "Women &amp; Money" podcast.
Orman, known for her direct approach, didn't hold back — and for good reason. While Allie and her husband had done many things right, their next step could cost them far more than they realized.
Don't Miss
<ul class="wp-block-list">
<li>$100k+ in assets? Maximize your retirement pot and cut down on taxes: <a href="https://www.benzinga.com/money/wideradvisor-retirement-planning">Schedule your free call with a fiduciary advisor to start your financial journey – no cost, no obligation</a>.&nbsp;</li>
<li>Peter Thiel turned $1,700 into $5 billion—now accredited investors are eyeing this company with similar breakout potential. Learn how you can <a href="https://www.benzinga.com/money/how-peter-thiel-turned-his-roth-ira-into-5-billion-and-why-accredited-investors-are-now-eyeing-this-smartphone-disruptor">invest with $1,000 at just $0.30/share.</a></li>
</ul>
<h2 class="wp-block-heading">A Late Start, A Bold Plan</h2>
Allie explained that she and her husband were "late starters" when it came to money. They bought their first home in their late 40s, but today they're in a stable place: no debt, a large emergency fund, and pensions and <a href="https://www.benzinga.com/personal-finance/management/25/06/45987399/35-year-old-woman-shocked-by-5000-social-security-overpayment-notice-says-she-never-received-benefits">Social Security</a> that will cover most of their income in retirement.
Their main concern is a $1,400 monthly mortgage payment. With about $245,000 left on the loan and $136,000 in a traditional IRA, they figured that withdrawing $130,000 would help them pay off the mortgage in three years. After that, they'd be debt-free and free up $1,400 a month — creating a steady stream of cash flow to match their retirement income needs.
It sounded like a logical move. But Orman says the math — and the tax code — tell a very different story.
<h2 class="wp-block-heading">The Hidden Cost Of A Big Withdrawal</h2>
Because Allie's IRA is a traditional account, any withdrawal is considered taxable income. So taking out $130,000 in a single year could come with a hefty tax bill.
"If you take out $130,000 you&#8217;re going to owe approximately — let&#8217;s say just you and your husband make $60,000 a year…You would owe approximately $26,000 in taxes," Orman explained. Then she added that there's state tax. In Virginia, that could be another $8,500.
Altogether, that's $34,000 in taxes — money the couple may not have set aside. And that doesn't include what might happen if the withdrawal pushes them into a higher tax bracket or affects their Medicare premiums.
Orman's key question: where is that $34,000 going to come from?
"You can't take it from the IRA because you want that $130,000 to go towards your mortgage, so $34,000 has to be somewhere else," she said. But if you don&#8217;t have that, then you have to take out even more. It&#8217;s just nuts."
See Also: Maximize saving for your retirement and cut down on taxes: <a href="https://www.benzinga.com/money/wideradvisor-retirement-planning">Schedule your free call with a financial advisor to start your financial journey – no cost, no obligation</a>.&nbsp;
<h2 class="wp-block-heading">A Better Path Forward</h2>
Orman urged the couple to take a step back and consider the long-term implications. If they simply left the money in the IRA and invested it wisely, she said, it could grow to around $200,000 in the next seven to nine years.
That's a big difference from spending nearly all of it now and losing a large chunk to taxes.
"You&#8217;re thinking in theory is correct, but in reality it isn&#8217;t how it works," Orman told Allie.
<h2 class="wp-block-heading">What Others Can Learn</h2>
For others nearing <a href="https://www.benzinga.com/personal-finance/25/06/46024300/is-your-retirement-plan-just-a-hope-and-a-401-k">retirement</a>, the lesson is clear: don't make big financial moves without looking at the full picture — including taxes. While the appeal of being mortgage-free is strong, draining retirement accounts can create more problems than it solves.
Before taking large distributions or making lump-sum payments, Orman recommends talking to a tax advisor or <a href="https://www.benzinga.com/money/financial-advisor-vs-financial-planner">financial planner</a>.
In retirement, every dollar counts — and understanding how to keep more of it can be the smartest move of all.
Read Next:
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<li>Invest early in CancerVax's breakthrough tech aiming to disrupt a $231B market. <a href="https://www.benzinga.com/money/this-company-may-have-found-a-way-to-treat-cancer-by-tricking-the-bodys-immune-system-and-early-studies-show-some-promise-find-out-how-you-can-invest-in-the-future-of-cancer-treatment">Back a bold new approach to cancer treatment with high-growth potential.</a></li>
<li>Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $100.</a></li>
</ul>

Financial Advisors

Taking $130K Out Of A $136K IRA To Pay Off A Mortgage? Suze Orman Says 'That's The Worst Idea I've Ever Heard In My Entire Life'

IBM's next-generation quantum computer, now online in Japan, is also connected to the supercomputer Fugaku to accelerate quantum computational power and accuracy&nbsp;

Reported Earlier, IBM And RIKEN Unveil Quantum System Two With Heron Processor In Kobe, Creating Hybrid Platform For Advanced Scientific Research And Algorithm Discovery

When people think about what wrecks their finances, they often point to big-ticket items: luxury cars, expensive vacations, or shopping sprees. But a recent thread on Reddit&#8217;s <a href="https://www.reddit.com/r/povertyfinance/comments/1lfnudq/whats_a_normal_money_habit_that_secretly_ruins/">r/povertyfinance</a> community suggests that it&#8217;s not the big things that do the most damage—it&#8217;s the little ones.
<h2 class="wp-block-heading">The Hidden Cost Of Everyday Spending</h2>
&#8220;In my experience the $20 here, $20 there purchases are what <a href="https://www.benzinga.com/news/topics/25/06/45996375/dave-ramsey-admits-his-advice-is-simple-in-theory-but-hard-in-practice-clears-up-the-biggest-misconceptions-about-his-famous-advice">claw away</a> at your checking faster than anything,&#8221; one person wrote. They listed small expenses like takeout or souvenirs as the real budget killers. Another commenter added, &#8220;I went through a few bank statements and was [shocked] to find how much money I&#8217;d thrown at the snack bar at work.&#8221;
Don't Miss
<ul class="wp-block-list">
<li>At least $100k in assets? Maximize saving for your retirement and cut down on taxes: <a href="https://www.benzinga.com/money/wideradvisor-retirement-planning">Schedule your free call with a financial advisor to start your financial journey – no cost, no obligation</a>.&nbsp;</li>
<li>Peter Thiel turned $1,700 into $5 billion—now accredited investors are eyeing this software company with similar breakout potential. Learn how you can <a href="https://www.benzinga.com/money/how-peter-thiel-turned-his-roth-ira-into-5-billion-and-why-accredited-investors-are-now-eyeing-this-smartphone-disruptor">invest with $1,000 at just $0.30/share.</a></li>
</ul>
Subscriptions came up repeatedly. &#8220;Having multiple subscriptions and getting comfortable about those price raises,&#8221; one post read. &#8220;Those things creep up and up and boom, one emergency, now you&#8217;re behind four more payments.&#8221;
YouTube TV in particular took a beating, with users shocked that <a href="https://www.benzinga.com/general/entertainment/24/12/42477880/youtube-raises-tv-subscription-rates-by-14-to-83-per-month-citing-rising-content-costs-prices-have-more-than-doubled-in-less-than-6-years">it&#8217;s now $82.99 per month</a>. &#8220;Wow. I thought it was like $30 or something,&#8221; one person replied. Another put it plainly: &#8220;The cost of YouTube TV should be a crime.&#8221;
<h2 class="wp-block-heading">Buy Now, Pain Later</h2>
<a href="https://www.benzinga.com/personal-finance/management/25/06/45719177/klarnas-downside-buy-now-pay-later-users-overspend-and-miss-payments">Services like Klarna</a> and Afterpay were described as dangerous because they give the illusion of affordability. &#8220;If you need to break a $15 burrito bowl into 4 payments, you need to be bringing your lunch with you,&#8221; one commenter said. Another admitted, &#8220;After almost two years&#8230; I am now officially freed from the demonic shackles of Klarna/Afterpay!!&#8221;
<h2 class="wp-block-heading">Helping Others, Hurting Yourself</h2>
The emotional burden of supporting family came up again and again. One person wrote, &#8220;I spent the last few years constantly helping my mom and siblings&#8230; I discovered that all of them hated me for &#8216;not doing anything to help them.'&#8221; Another commented, &#8220;Helping ungrateful family members/friends who are endless pits of need&#8221; was one of their biggest financial mistakes.
<h2 class="wp-block-heading">Car Payments And Credit Cards</h2>
Others pointed to massive car loans. &#8220;My last time I had a car payment was in 2015, and people now are paying $1,000+ a month for each car,&#8221; one commenter said. Others described financing depreciating items as a major financial misstep.
As for credit cards, people stressed that carrying a balance is never a good idea. &#8220;To me, it is absolutely not normal to <a href="https://www.benzinga.com/personal-finance/management/25/06/45736886/kevin-oleary-says-its-crazy-to-pay-23-interest-on-credit-card-debt-heres-what-he-thinks-the-key-to-life-is">carry a credit card balance</a>,&#8221; one wrote. Others were frustrated by misinformation: &#8220;The amount of <a href="https://www.benzinga.com/personal-finance/management/25/06/46018674/it-seems-that-many-young-adults-dont-know-that-credit-cards-arent-free-money-isnt-knowing-to-pay-it-off-monthly-just-common-sense">misinformation people spread</a> about credit cards is insane. I swear it&#8217;s to justify their behavior &#8216;Oh, you should always keep a balance so your credit goes up.&#8217; No, that&#8217;s not how that works.&#8221;
<h2 class="wp-block-heading">Small Habits, Big Impact</h2>
&#8220;Telling yourself, &#8216;It&#8217;s only x dollars&#8217; $5, $10, $20&#8230; and suddenly you&#8217;re broke before payday and don&#8217;t know why,&#8221; summed up a recurring sentiment. From DoorDash to energy drinks, it&#8217;s the normalized, everyday purchases that add up.
Read Next:
<ul class="wp-block-list">
<li>Invest early in CancerVax's breakthrough tech aiming to disrupt a $231B market. <a href="https://www.benzinga.com/money/this-company-may-have-found-a-way-to-treat-cancer-by-tricking-the-bodys-immune-system-and-early-studies-show-some-promise-find-out-how-you-can-invest-in-the-future-of-cancer-treatment">Back a bold new approach to cancer treatment with high-growth potential.</a></li>
<li>Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $100.</a></li>
</ul>
Image: Shutterstock

Personal Finance

The Real Budget Killer Isn't Big Purchases—It's The $20 Here, $20 There Habits That Quietly Empty Your Account

The CNN Money Fear and Greed index showed a slight improvement in the overall market sentiment, while the index remained in the &#8220;Greed&#8221; zone on Monday.
U.S. stocks settled higher on Monday, with the Dow Jones index gaining more than 350 points during the session. Stocks recorded slight gains last week as the S&amp;P 500 fell around 0.2%, and the 30-stock Dow gained 0.02%.
Investors looked past a sharp escalation in the Middle East, where Iran fired missiles at U.S. military bases in Qatar and Iraq, just 48 hours after American strikes targeted Iranian nuclear facilities.
According to Axios, citing Israeli officials, Iran launched six ballistic missiles at Al Udeid Air Base in Qatar, the largest U.S. military presence in the Middle East. Another missile was reportedly fired at a U.S. base in Iraq.
On the economic front, the S&amp;P Global US services PMI fell to 53.1 in June versus 53.7 in the previous month, and compared to market expectations of 52.9. The S&amp;P Global US manufacturing PMI came in unchanged from the previous month at 52 in June.
Shares of FactSet Research Systems (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FDS#NYSE">FDS</a>) gained around 3.5% on Monday after the company posted results for the third quarter.
Most sectors on the S&amp;P 500 closed on a positive note, with consumer discretionary, consumer staples and real estate stocks recording the biggest gains on Monday. However, energy stocks bucked the overall market trend, closing the session lower.
The Dow Jones closed higher by around 375 points to 42,581.78 on Monday. The S&amp;P 500 rose 0.96% to 6,025.17, while the Nasdaq Composite climbed 0.94% at 19,630.97 during Monday's session.
Investors are awaiting earnings results from TD SYNNEX Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SNX#NYSE">SNX</a>), Carnival Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CCL#NYSE">CCL</a>) and FedEx Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FDX#NYSE">FDX</a>) today.
What is CNN Business Fear &amp; Greed Index?
At a current reading of 56.4, the index remained in the &#8220;Greed&#8221; zone on Monday, versus a prior reading of 56.3.
The Fear &amp; Greed Index is a measure of the current market sentiment. It is based on the premise that higher fear exerts pressure on stock prices, while higher greed has the opposite effect. The index is calculated based on seven equal-weighted indicators. The index ranges from 0 to 100, where 0 represents maximum fear and 100 signals maximum greediness.
Read Next:
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<li> <a href="https://www.benzinga.com/trading-ideas/dividends/25/06/46050117/wall-streets-most-accurate-analysts-give-their-take-on-3-tech-stocks-delivering-high-dividend-yields-7">Wall Street&#8217;s Most Accurate Analysts Give Their Take On 3 Tech Stocks Delivering High-Dividend Yields</a> </li>
</ul>
Photo courtesy: Shutterstock

Pre-Market Outlook

Dow Jumps Over 350 Points As Iran Strikes On US Military Bases Result In No Casualty: Fear Index Remains In 'Greed' Zone

A recent <a href="https://www.reddit.com/r/Bogleheads/comments/1lcafq5/do_most_people_genuinely_not_invest_towards/">post</a> on the r/Bogleheads subreddit drew widespread attention with a question that hit a common frustration: &#8220;Do most people genuinely <a href="https://www.benzinga.com/25/05/45609421/i-am-just-done-gen-x-er-wants-to-retire-at-55-but-has-no-money-saved-in-a-single-income-household-why-does-everyt">not invest</a> towards retirement?&#8221;
The original poster couldn't grasp why people don't invest outside their 401(k)s or pensions, especially those in personal finance forums. &#8220;I personally cannot understand the mentality of spending all of your cash as soon as you get it,&#8221; they wrote.
<h2 class="wp-block-heading">Most Can't Afford To Save</h2>
Commenters quickly pointed out that the majority of Americans <a href="https://www.benzinga.com/personal-finance/management/25/05/45710917/whats-driving-americans-to-live-paycheck-to-paycheck-one-person-says-its-like-being-thrown-into-adulthood-without-a-map">live paycheck to paycheck</a>. &#8220;You seem to think that most people do this by choice,&#8221; one person replied. Another noted, &#8220;<a href="https://www.benzinga.com/news/25/06/45851682/most-americans-cant-cover-a-2-000-emergency-as-inflation-keeps-eating-their-paychecks-survey-shows">Over 6 in 10 U.S. adults</a> say they are living paycheck to paycheck, including 78% of Millennials, 60% of Gen X, 45% of those earning &gt;$100K.&#8221;
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One person shared, &#8220;[My sister&#8217;s] last role was $120k a year, and now she has nothing but Louis Vuitton handbags to show for 35+ year career.&#8221;
Others said it&#8217;s not that people don't want to save, it&#8217;s that they simply can&#8217;t. &#8220;Childcare, rent, student loans. We are drowning,&#8221; wrote another. &#8220;If you&#8217;re able to max out all your happy saving things, good on you. Lots of folks can&#8217;t, and it&#8217;s got nothing to do with money burning a hole in our pockets.&#8221;
<h2 class="wp-block-heading">Financial Literacy And Systemic Gaps</h2>
Another major theme in the thread was a lack of financial education. &#8220;Schools don&#8217;t teach personal finance and people blow money <a href="https://www.benzinga.com/personal-finance/25/01/43011673/dave-ramsey-says-stop-trying-to-keep-up-with-the-joneses-theyre-broke-warns-people-are-fake-rich-average-household-debt-is-175075">keeping up with the Joneses</a>,&#8221; one person wrote. Others pointed to cultural influences: &#8220;America runs on spending.&#8221;
Many said they weren't taught anything about retirement growing up. &#8220;I had to read it a few times to understand what OP was asking,&#8221; one person admitted. Another wrote, &#8220;My parents didn't [invest]. So I knew nothing about saving/investing for retirement when I got out of college. I'm late to the game but I'm on it!&#8221;
Some people in the thread tried to clarify that even using just a 401(k) can be enough, depending on the situation. &#8220;A couple only maxing their IRAs for 40 years at 7% annual returns puts it at $3 million,&#8221; one person explained. &#8220;That's in today's dollars too.&#8221;
<h2 class="wp-block-heading">Different Lives, Different Priorities</h2>
Plenty of responses focused on the emotional side of money. A truck driver described saving 70% of their income while living on just 20%, noting that the remaining 10% went toward &#8220;3 or 4 vacations for myself each year.&#8221; Others expressed frustration with peers who spend everything, then complain about financial stress.
But not everyone agreed with the tone of the original post. &#8220;You are so arrogant to think that everyone, or most people, who aren&#8217;t able to save money toward retirement are just reckless or irresponsible,&#8221; a person wrote. Another pointed out, &#8220;Life happens to people. For me, it has been cancer and ongoing medical debt. Horrible divorce where I lost so much.&#8221;
A mix of financial constraints, lack of education, psychological stress, and short-term pressures appears to keep many people from saving at all. &#8220;You have to actively go out of your way to properly invest in your retirement, which naturally means like 50% of the population won't,&#8221; one person summed it all up.
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Image: Shutterstock

An Investor Asks, 'Do Most People Not Invest For Retirement?' They Can't Understand The Mentality Of Spending Every Paycheck Immediately

Hims &amp; Hers Health Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HIMS#NYSE">HIMS</a>), CEO Andrew Dudum, has accused Novo Nordisk of exerting anticompetitive pressure to prioritize its weight-loss drug Wegovy over patient needs after the abrupt termination of its partnership with a pharmaceutical giant.
Check out the current price of <a href="https://www.benzinga.com/quote/hims">HIMS stock here</a>.
What Happened: In an X post on late Monday, Dudum accused Novo Nordisk of misleading the public and attempting to control clinical standards at Hims &amp; Hers.
"In recent weeks, Novo Nordisk's commercial team increasingly pressured us to steer patients to Wegovy regardless of whether it was clinically best for patients," Dudum wrote.
"We refuse to be strong-armed by any pharmaceutical company's anticompetitive demands that infringe on the independent decision-making of providers and limit patient choice."
He reaffirmed that "We will continue to offer access to a range of treatments, including Wegovy, to ensure providers can serve the individual needs of patients."
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">We are disappointed to see Novo Nordisk management misleading the public. In recent weeks, Novo Nordisk's commercial team increasingly pressured us to control clinical standards and steer patients to Wegovy regardless of whether it was clinically best for patients. We refuse to…
&mdash; andrewdudum (@AndrewDudum) <a href="https://twitter.com/AndrewDudum/status/1937188022027768304?ref_src=twsrc%5Etfw">June 23, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
This comes despite <a href="https://www.benzinga.com/trading-ideas/movers/25/06/46050799/hims-hers-health-stock-is-tumbling-monday-whats-happening">Novo Nordisk&#8217;s announcement on Monday</a>, stating that it would end its collaboration with Hims &amp; Hers, citing the telehealth company's alleged violation of laws prohibiting mass sales of compounded drugs under the guise of &#8220;personalization&#8221; and deceptive marketing practices that compromise patient safety. 
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Why It Matters: In a press release on Monday, Dave Moore, executive vice president of Novo Nordisk's U.S. operations, stated, "When patients are prescribed semaglutide treatments by their licensed healthcare professional or a telehealth provider, they are entitled to receive authentic, FDA-approved and regulated Wegovy."
The termination cuts off Hims &amp; Hers' direct access to Wegovy through the NovoCare Pharmacy, a move that sent shockwaves through the market.
However, Dudum, in his post, confirmed that Hims &amp; Hers would continue to offer Wegovy.
HIMS slipped 34.63% on Monday after Novo Nordisk&#8217;s press release. It has risen 66.59% on a year-to-date basis and 89.53% over a year.
About 19 analysts <a href="https://www.benzinga.com/quote/HIMS/analyst-ratings">tracked by Benzinga</a>, covering HIMS, have a consensus target price of $30.44 apiece, with a ‘hold&#8217; rating.
The targets range from $10 to $68, and the recent ratings by Morgan Stanley, Needham, and Piper Sandler imply a 9.97% upside for the stock.
<figure class="wp-block-image size-large"><a href="https://www.benzinga.com/quote/HIMS/analyst-ratings"><img loading="lazy" decoding="async" width="1024" height="385" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/24020201/HIMS-ANR-1024x385.png" alt="" class="wp-image-959069" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/24020201/HIMS-ANR-1024x385.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/24020201/HIMS-ANR-300x113.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/24020201/HIMS-ANR-768x289.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/24020201/HIMS-ANR.png 1141w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></figure>
Benzinga Edge Stock Rankings shows that HIMDS had a stronger price trend over the short, medium, and long term. Its momentum ranking was solid; however, its value ranking was poor at the 8.54th percentile. The details of other metrics are <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-4/#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">available here</a>.
<figure class="wp-block-image aligncenter size-full is-resized"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-4/#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"><img decoding="async" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/06/24022911/Screenshot-2025-06-24-at-11.54.21%E2%80%AFAM.png" alt="" class="wp-image-959105" style="width:479px;height:auto" /></a></figure>
The SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) and Invesco QQQ Trust ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>), which track the S&amp;P 500 index and Nasdaq 100 index, respectively, rose on Monday. The SPY was up 0.99% to $600.15, while the QQQ rose 1.03% to $531.65, according to <a href="https://pro.benzinga.com/dashboard">Benzinga Pro</a> data.
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Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
Photo courtesy: Lori Butcher / Shutterstock.com

Equities

Hims & Hers Health, Inc. Class A Common Stock

HIMS

Hims CEO Slams Novo Nordisk For 'Anticompetitive Demands' After Ozempic Maker Abruptly Ends Partnership: 'We Refuse To Be Strong-Armed'

Anyone who's bought a home knows there's always a last-minute surprise. A leaky pipe, a missing appliance, maybe a ceiling stain that wasn't there during the walk-through. But pond fish?
That's what one homebuyer claimed happened in the <a href="https://www.reddit.com/r/RealEstate/s/u97b5pihyl">real estate subreddit</a> after the sellers refused to move their koi before closing. The reason? The fish were "hibernating" for the winter, and the sellers planned to retrieve them "when the weather warms up."
The buyer, an experienced real estate agent representing themselves, had already included language in the purchase agreement stating they weren't responsible for the fish. But just three days before closing, the sellers sent over a new addendum that went much further.
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If any koi were found "ill, dead, or missing," the buyers would owe a minimum of $1,000 per fish—with no cap on total damages. The clause also required the buyers to keep the pond pump running, avoid adding any chemicals, and somehow prevent animals from disturbing the fish in the meantime.
The post, titled "Sellers want us to be financially responsible for their coy fish after closing," quickly caught attention—not just for the story, but for the spelling error. "I could not edit ‘Coy' in the title, bless your hearts. Lol," the buyer wrote in an update.
Hundreds of Redditors weighed in. One user wrote,
"Just say no. You are in contract and the <a href="https://www.benzinga.com/markets/25/06/45993654/its-been-on-the-market-157-days-only-four-people-have-looked-at-it-florida-sellers-struggle-in-once">sellers can't do anything</a> about it. You're completely in charge if you can close on time."
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Another offered a more structured fix:
"Decline the amendment, and submit a new one allowing them to have their specialist come. And the date the fish need to be gone by—assuming you don't want this trailing through the summer."
Others weren't as calm.
"They'll hire a cheap specialist from Craigslist and sue you when he doesn't show up and says you didn't let him on the property."
"F all this noise… they cray-cray."
There were also questions about whether a clause like this was even enforceable. Several agents in the thread agreed that contracts can technically include just about <a href="https://www.benzinga.com/markets/25/04/44981954/i-dont-understand-how-homebuyer-wired-the-money-and-was-signing-the-papers-title-agent-then-realized">anything if both parties sign</a>. But enforceability depends on clarity, fairness, and state laws. Terms like "no cap on damages" without any specific valuation often get thrown out or modified in court. One broker pointed out that the clause would've given the sellers post-closing access to the property, without any of the legal <a href="https://www.benzinga.com/real-estate/25/06/46018307/this-100-a-month-real-estate-strategy-could-build-serious-wealth">responsibilities a tenant would have</a>.
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Instead of signing the addendum, the buyers drafted their own Fish Occupancy/Hold Harmless Agreement. By leaving the fish behind after closing, the sellers would be accepting full responsibility.
It worked. The next morning, the sellers arranged for a specialist to collect the koi before possession day. "Ugh, was that so damn hard?!" the buyer wrote. "We will not be getting into the hobby. No. Way. In. Hell."
When it comes to real estate contracts, no detail is too small—or too strange—to review. <a href="https://www.benzinga.com/markets/25/05/45348223/is-this-even-legal-a-homebuyer-says-their-seller-hiked-the-price-3-days-before-closing-heres-why-peo">Buyers have reported </a>being hit with surprise clauses about lawn maintenance, mail key handoffs, and even who keeps the leftover paint cans. Whether it's koi, cats, or kitchen light bulbs, the time to catch it is before the ink dries.
In this case, the buyers weren't stuck with a pond full of someone else's prize fish. But thanks to one Reddit post, a lot more buyers might start checking the fine print on backyard features—especially if they involve live animals.
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Real Estate

'They Want Us To Be Financially Responsible For Their Fish' — Seller Tried To Add Last-Minute Clause Making Buyer Pay $1,000 Per Dead Koi

If your <a href="https://www.benzinga.com/personal-finance/management/25/06/45719596/bill-gates-22-year-old-daughter-says-its-terrifying-for-the-boys-she-brings-home-to-meet-her-socially-awkward-dad-in-his-63-million-mansion">kids woke up to find a billionaire</a> eating cookies for breakfast, they'd probably demand some too. That's exactly what happened when Warren Buffett stayed over at Bill Gates' house — and casually cracked open a pack of Oreos first thing in the morning.
"One thing that was surprising to learn about Warren is that he has basically stuck to eating what he liked when he was six years old," Gates <a href="https://www.gatesnotes.com/25-years-of-learning-and-laughter">wrote in a 2016 blog post</a> marking 25 years of friendship.&nbsp;
"He did move past baby food, of course, but he mostly eats hamburgers, ice cream, and Coke. (That's one reason it's so fun to go out to dinner with him.) I remember one of the first times he stayed at our house and he opened up a package of Oreos to eat for breakfast. Our kids immediately demanded they have some too."
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Buffett's sweet tooth is the stuff of legend. <a href="https://www.gatesnotes.com/sweet-nostalgia-with-warren-and-bill">In a 2018 blog post</a>, Gates brought the story up again, writing: "One of the first times he came to visit in Seattle, our kids were stunned when they saw him chowing down Oreos for breakfast."
It wasn't just a one-time thing. Over the years, Buffett's sugar habits have become a running joke between the billionaire buddies. Gates leaned into it in 2020 when <a href="https://x.com/BillGates/status/1300110509455282176">he made an Oreo cake in honor</a> of Buffett's 90th birthday — a tribute complete with Buffett's face drawn in chocolate icing and Randy Newman's "You've Got a Friend" playing in the background.
While their friendship stretches far beyond cookie talk, the Oreo anecdote has become a symbol of the kind of light-hearted camaraderie that's defined their decades-long bond. Their relationship began in 1991, introduced by Gates' mother, and quickly deepened as Gates was impressed by Buffett's insight and integrity.
"Every time I'm with Warren, I'm reminded how lucky I am to know him – not just as one of the greatest investors and philanthropists of all time, but as a mentor and a friend," Gates <a href="https://www.linkedin.com/mwlite/feed/posts/williamhgates_it-was-an-incredible-couple-of-days-in-omaha-activity-7325265131519586304-xHzC">posted on LinkedIn last month</a>, congratulating Buffett as he <a href="https://www.benzinga.com/25/05/45187070/warren-buffett-retires-after-decades-of-dominancefrom-tim-cook-to-mark-cuban-worlds-top-business-leaders-react-to-the-investment-icons-exit">announced he'd be handing the reins</a> of Berkshire Hathaway to successor Greg Abel. "My life changed the day we met. I've learned so much from his integrity, humour, and generosity."
He included a black and white photo of the two mid-conversation—Gates laughing, Buffett smiling, a stack of papers in hand. A simple snapshot that captures the essence of their friendship.&nbsp;
Although their philanthropic paths may have shifted — with Buffett no longer pledging the bulk of his estate to the Bill &amp; Melinda Gates Foundation — Gates' public praise suggests no hard feelings. If anything, the Oreo story and birthday cake tribute point to the kind of enduring connection that can outlast business, legacy planning, and even a <a href="https://www.benzinga.com/25/05/45483393/warren-buffett-says-his-daughter-sends-photos-of-his-mayo-and-gravy-laden-meals-to-his-doctors-they-learned-to-give-up">diet most doctors wouldn't recommend</a>.
Because at the end of the day, not every billionaire can pull off eating cookies for breakfast. But Buffett never stopped being Buffett — and Gates, it seems, never stopped being a fan.
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Bill Gates' Kids Were 'Stunned' To Find Warren Buffett Chowing Down On Oreos For Breakfast After A Sleepover—Naturally, They Demanded Some Too

CHWY

Reported Earlier, Chewy Prices Upsized 23.95M Share Offering By BC Partners Affiliate At $41.95, With $100M Concurrent Stock Repurchase From Selling Shareholder

A Texas homeowner threw a tame birthday party — no loud music, no street-clogging chaos, just a handful of guests arriving in their personal vehicles. But that <a href="https://www.benzinga.com/personal-finance/24/10/41310400/exorbitant-hoa-fees-are-driving-florida-retirees-to-relocate-heres-why-costs-are-spiraling-so-hi">didn't stop the homeowners association</a> from swooping in with a warning email. The problem? According to the homeowner, it was the presence of multiple black SUVs parked nearby that triggered a wave of neighborhood unease.
"The people in the SUV were regular people who were my friends," the homeowner <a href="https://www.reddit.com/r/fuckHOA/s/uBv5s34Vgp">explained in a Reddit post</a> that quickly gained traction. "This is just weird. Am I supposed to tell those people to rent a Prius the next time around?"
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That quote alone lit up the thread.
Screenshots of the HOA's message showed what many Redditors interpreted as performative concern. The letter stated, "Some residents even thought something more serious was happening. The whole situation was, quite honestly, alarming, and we had no idea how to react."
The email went on to request advance notice for "any unusual activity" and asked the homeowner to consider how their guests' vehicles might make others feel. "We would appreciate it if you could let us know in advance… It would certainly help ease the collective nerves of your neighbors, who were left feeling quite uncomfortable by the presence of those vehicles."
Reddit users were stunned.
"Unusual activity? It was a kid's birthday party, not a SWAT raid," one user wrote.
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Another joked, "You really should've gone with beige minivans. Black SUVs are clearly the vehicle of choice for chaos."
Others speculated the reaction was less about cars and more about assumptions tied to who might drive them. "Translation: We didn't like the look of your guests," someone wrote bluntly.
Despite the online uproar, the homeowner clarified that everything about the gathering was low-key. About six cars were in the driveway, and two were parked on the street. "Everyone parked in a decent manner," they wrote. <a href="https://www.benzinga.com/markets/25/06/46043811/florida-homeowner-says-neighbor-reported-8-inch-grass-because-it-looks-bad-now-shes-facing-a-5-000-f">No laws were broken</a>, and nothing in the HOA's own rules appeared to prohibit guests from parking on the street or arriving in a particular type of car.
So can an HOA do this? Technically, many HOAs can enforce rules around street parking or guest vehicles — but typically only if it's outlined in the bylaws or declarations. What they can't usually do is cite vague "discomfort" as grounds for control, especially when no actual rules were violated.
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Still, not all HOAs are the enemy. While they can <a href="https://www.benzinga.com/markets/25/06/45922942/a-neighbor-interrupted-a-home-showing-and-yelled-at-five-buyers-the-seller-says-theyre-livid-but-uns">sometimes appear petty or overreaching</a>, they do provide structure and benefits in many neighborhoods. HOAs often:
<ul class="wp-block-list">
<li>Maintain landscaping and shared amenities</li>
<li>Enforce noise rules and parking standards to reduce conflict</li>
<li>Coordinate security or safety measures</li>
<li>Help preserve home values by avoiding neighborhood decline</li>
</ul>
But when they start writing emotional essays about SUVs, it's easy to see why there's an entire subreddit dedicated to airing frustrations.
One commenter put it best: "I get wanting to keep the neighborhood nice, but if black cars give people anxiety, maybe the problem isn't the car."
The homeowner wasn't trying to make a statement — they were just hosting a party. And as they made clear, they don't plan on vetting their guests' vehicles in the future. Nor are they adding "drive a Prius" to the RSVP requirements.
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Most people who win the lottery quit their jobs, upgrade their lifestyle, and start living large. Not this guy.
A 50-year-old <a href="https://youtu.be/GO1TYP6Fd5Y?si=vwHZFLdbY9z3JOJw">caller to "The Ramsey Show"</a> stunned Dave Ramsey and co-host John Delony when he revealed he quietly won $22 million after taxes — and told almost no one. Not his parents. Not his coworkers. Not even his teenage kids.
Just his wife and one sibling know.
"We made a conscious decision to keep it under wraps," the man said, explaining that he didn't want to become a walking ATM for everyone he knows. But even more than that, he said, "We just don't want [our kids] to grow up to be waiters — waiting for us to die so they can get our money."
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Ramsey and Delony didn't just understand — they applauded it.
This low-profile millionaire is still working, still living in the same paid-off house, and still driving the same pair of Toyotas he and his wife bought with cash before their win. His biggest splurge so far? Patio furniture.
To explain any sudden acts of generosity — like buying his mom a new roof — he and his wife use a clever cover: a distant relative's inheritance. "It's Uncle Bob's money," he tells them. And no one's questioned it.
What impressed Ramsey wasn't just the caller's frugality — it was his long-term thinking. By not <a href="https://www.benzinga.com/personal-finance/management/25/06/46038606/dave-ramsey-reveals-how-to-get-wealthy-without-spoiling-your-kids-you-start-with-gratitude">telling his kids too soon</a>, the man is giving them a chance to build their own lives without the shadow of unearned wealth hanging over them.
Ramsey shared that he did something similar with his own children. Even after recovering from bankruptcy and becoming a multimillionaire again, he didn't reveal the family's full financial picture until after they'd graduated college — and brought their spouses into the conversation too.
He encouraged the caller to keep laying the groundwork, <a href="https://www.benzinga.com/personal-finance/25/02/43539942/are-you-rich-heres-what-americans-think-you-need-to-be-considered-wealthy-2">not just for a financial legacy</a>, but a personal one. Teach values through small acts, he advised — like leaving a big tip for a struggling server — and let those moments speak louder than a bank statement.
"You're doing everything so right," Ramsey said. "It's healthy. It's wise."
For now, the plan is simple: stay quiet, stay generous, and keep living below the radar. When the time comes to reveal the truth, he hopes his kids will be ready — not just to receive, but to manage the weight that comes with wealth.
And until then? He'll enjoy the patio furniture.
At the end of the day, <a href="https://www.benzinga.com/personal-finance/management/25/06/45761604/mark-cuban-shares-what-to-do-if-you-win-the-lottery-never-take-the-lump-sum-dont-invest-it-and-say-no-to-everyone-asking-for-money">whether it's a lottery win</a>, an inheritance, a business windfall, or even just a really great bonus — your money is your business. Sharing that information is a deeply personal decision, and you don't owe anyone an explanation. Sometimes, revealing financial gains invites expectations, pressure, or even entitlement from others. But what you choose to do — or not do — with your wealth is entirely up to you. There's no rule that says you have to make it public, and sometimes, the wisest choice is the quiet one.
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50-Year-Old Lottery Winner Tells Dave Ramsey He's Hiding $22 Million From His Teens — 'I Don't Want Them To Be Waiters…Waiting For Us To Die'

When a retiree received a letter from the <a href="https://www.benzinga.com/personal-finance/management/25/06/46017701/its-not-a-ponzi-scheme-its-a-social-contract-sen-chuck-grassley-defends-and-urges-reform-for-social-security">Social Security Administration</a> claiming she owed over $20,000 due to excess income in 2024, her family thought it had to be a scam. The letter stated she earned $275,367 during the year — an amount her family says is impossible. The woman hasn't worked in over a decade and lives with her son on a fixed income. Now, her family is left trying to understand what happened and what steps to take next.
<h2 class="wp-block-heading">A Shocking Overpayment Notice</h2>
The letter, sent by the SSA, claimed that the woman was overpaid by $20,491 due to income exceeding program limits. But according to her son, who shared <a href="https://www.reddit.com/r/SocialSecurity/comments/1lcchgp/my_mother_received_an_overpayment_letter_but_the/">the story</a> on Reddit's r/SocialSecurity forum, she hasn't been employed for years. In fact, she was a stay-at-home parent and has been retired since her children were in school.
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The figure on the notice — more than a quarter of a million dollars in income — doesn't align with any known income sources in the household. "She would have absolutely noticed if she received an extra $20K last year," the post said. Her son suspects the income was either reported in error or potentially tied to identity theft.
<h2 class="wp-block-heading">Could Identity Theft Be the Cause?</h2>
Some commenters suggested a possible explanation: someone else may have been working under her Social Security number. With widespread data breaches in recent years, millions of SSNs have been exposed. If someone fraudulently used her number for employment, that income could have been mistakenly attributed to her SSA record.
In situations like this, a <a href="https://www.benzinga.com/news/25/06/46010563/millions-of-americans-just-took-a-100-point-hit-to-their-credit-score-and-it-could-get-worse-as-stud">credit check</a> is often recommended. It may reveal suspicious accounts or employment activity. If identity theft is suspected, both the IRS and credit bureaus should be notified.
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<h2 class="wp-block-heading">How to Respond to an SSA Overpayment Notice</h2>
Receiving an overpayment letter — especially one with such a large number — can be confusing and overwhelming. The SSA encourages recipients to review the notice carefully and respond using one of several options:
<ul class="wp-block-list">
<li>Request Reconsideration: If the individual believes there was no overpayment or that the amount is wrong, they can file <a href="https://www.ssa.gov/forms/ssa-561.pdf">Form SSA-561</a>.</li>
<li>Request a Waiver: If the overpayment wasn't their fault and they can't afford to repay, <a href="https://www.ssa.gov/forms/ssa-632-bk.pdf">Form SSA-632</a> can be submitted to request that the amount be waived.</li>
<li>Request a Payment Plan: If the person agrees they were overpaid but can't pay the full amount at once, <a href="https://www.ssa.gov/forms/ssa-634.pdf">Form SSA-634</a> allows them to propose a different repayment schedule.</li>
</ul>
The SSA will pause collection while these requests are being reviewed.
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<h2 class="wp-block-heading">What to Do Next</h2>
The original poster said he encouraged his mother to visit a local SSA office. That's often the best first step, especially for complex or unclear cases. Due to limited staffing, getting an in-person appointment may take time, but it can help clarify what triggered the letter and how to resolve it.
In the meantime, reviewing her Social Security earnings record, running a credit report, and checking with the IRS for any unusual wage reports can help identify the root of the issue.
<h2 class="wp-block-heading">Final Thoughts</h2>
<a href="https://www.benzinga.com/personal-finance/management/25/06/45987399/35-year-old-woman-shocked-by-5000-social-security-overpayment-notice-says-she-never-received-benefits">Overpayment letters</a> from Social Security can be frightening — especially when the numbers don't add up. But there are established steps for appealing or resolving these claims. Whether the issue is a data error or possible identity theft, acting quickly can help protect benefits and avoid further stress.
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