Home Blog

Dunkin/Wendy’s/Burger King, Spend $5 & Get $5 Back


The Offer

This shows under Capital One offers (the offers in the credit card login)

  • Capital One offers is offering $5/500 points back when you spend $5+ at Dunkin/Wendy’s/Burger King

The Fine Print

  • Shop In-Store & In-App
  • Use by Friday, November 6th

Our Verdict

Looks like you can do the offer once at each merchant. Basically a free $15. 

Starting an AI Side Hustle is Easy (Steal This System)


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • Discover seven surprising ways AI can help you build and run a one-person business.
  • See how to turn a business bottleneck into a clear assignment for an AI specialist.
  • Explore app building, customer recovery and AI teamwork without hiring staff or writing code.

What could you build if your one-person business had the capabilities of a team? A working app, a customer-recovery campaign or a clearer picture of what’s driving revenue could start with an assignment you give AI.

In the video above, I demonstrate seven practical possibilities, including AI operating browser-based tools, handing work to Lovable and coordinating specialist agents. You’ll see how these capabilities connect to business jobs you can recognise in your own day.

The starting point is a defined outcome. Give AI relevant context, clear boundaries and a result to work toward, and you can begin delegating the steps that move a job forward.

That could mean investigating a change in sales, preparing customer follow-ups or building an internal tool. You set the direction and approval points; each AI specialist gets a useful responsibility.

In The Wolf Is at The Door, I identified AI delegation as a skill that would help people adapt. These demonstrations show what that looks like in practice, from the initial job brief to the handoff between tools.

An Intuit QuickBooks article citing its 2026 AI Impact Report reports that 78% of U.S. businesses said AI improved productivity and 43% said it increased revenue. Your starting point can be one workflow where the benefit is easy to check.

Think of the app you’ve postponed, the customers you want to reconnect with or the reporting that takes you away from building your business.

Watch the video above for all seven experiments, the customer-recovery job brief, the ChatGPT-to-Lovable handoff and the revenue-diagnosis assignment I would delegate first.

Choose one example that fits your business. It could become the first job your AI team takes on.

The free AI Success Kit, available to download for a limited time, comes with a free chapter from my new book, The Wolf is at The Door – How to Survive and Thrive in an AI-Driven World.

Key Takeaways

  • Discover seven surprising ways AI can help you build and run a one-person business.
  • See how to turn a business bottleneck into a clear assignment for an AI specialist.
  • Explore app building, customer recovery and AI teamwork without hiring staff or writing code.

What could you build if your one-person business had the capabilities of a team? A working app, a customer-recovery campaign or a clearer picture of what’s driving revenue could start with an assignment you give AI.

In the video above, I demonstrate seven practical possibilities, including AI operating browser-based tools, handing work to Lovable and coordinating specialist agents. You’ll see how these capabilities connect to business jobs you can recognise in your own day.

The starting point is a defined outcome. Give AI relevant context, clear boundaries and a result to work toward, and you can begin delegating the steps that move a job forward.

Oklo Is 86% Below Its All-Time High. Should You Buy at $27 or Wait?


Nuclear energy investors have one question on their minds: What the heck is going on with Oklo (OKLO -5.82%)?

The poster child of artificial intelligence energy, the driving force behind the “nuclear renaissance” (remember that?), the company challenging our conventional image of nuclear power as a sprawling industrial complex of steel and concrete, with enormous cooling towers looming ahead — oh, that Oklo? It trades at $27 a share today, down 86% from an all-time high of roughly $194.

How does Oklo fall from $194 to $27, and more importantly, should you buy?

Image source: Oklo.

Oklo at $27: How we got here

Oklo, as you might know, is trying to build a small modular reactor (called Aurora) that looks like a cross between a cathedral and an eco-cabin. “Trying” doesn’t mean it lacks the technical know-how to do it. No, instead, “trying” means making it through the lengthy, expensive process of securing regulatory approval to sell electricity from certified reactors, which has been ongoing since 2016.

$25.25-$1.56 (-5.82%)

NYSE · As of 4:00 PM ET 10/30/26

It’s no surprise that Oklo has been mired in this regulatory approval for over a decade (this is nuclear energy, after all). What is surprising is the response to nuclear that made Oklo such a hot stock.

Although Oklo went public in 2024, enthusiasm really accelerated in 2025. This was a time when powerful artificial intelligence models were emerging, and people were generally won over (at least at first) by the technology’s language fluency and rational capacities.

All of a sudden, Wall Street was giddy about nuclear energy. And why not? AI needs power, preferably clean power, and nuclear is one of the best sources of clean electricity. With backing from Sam Altman, Oklo seemed like the perfect partner for data centers in an era of increasingly powerful and energy-intensive models.

Oklo still seems like a good partner for data centers. But that future seems a lot farther away than it did last year. Building nuclear power plants, even small ones, takes time and money, and investors seem reluctant to pay a premium for profits that might not materialize for years. Meanwhile, tech companies are looking for ways to secure electricity sooner, including Alphabet‘s (GOOG -1.45%) (GOOGL -1.40%) recent 20-year agreement with Constellation Energy (CEG -0.83%) to add 890 megawatts of nuclear capacity by upgrading its reactors.

Is Oklo a buy at $27?

The sobering truth: Oklo at $27 is essentially the same as Oklo at $194.

At $194, investors were betting on a company with no regulatory approval and no Aurora powerhouse in operation. At $27, Oklo is basically in the same situation.

That’s not to say it’s not a buy. Indeed, at $27 per share, investors are certainly getting a better price. Still, the company carries a roughly $5 billion market valuation, despite generating little revenue, so I wouldn’t call Oklo a “bargain.”

Given that Oklo is probably years away from generating meaningful revenue, most investors will likely want to let this story play out before jumping on board.

Once I Understood This About Investing, My Life Changed.



Read weekly Deep Dives from my research team and join the group chat on my Learn With Me Substack:

Legal Disclaimer:
Any information on this channel is provided for educational purposes only. None of the above is investment advice, a recommendation or an offer to sell, or a solicitation of an offer to buy, any securities or investment products.

source

Tech Selloff Keeps Pushing Mortgage Rates Closer to the 6s


Mortgage rates are even lower today, inching their way closer and closer to a 6-handle.

And once again tech stocks are getting hammered, pushing a lot of money toward the safety of bonds.

When that happens, their corresponding yields (or interest rates) drop, and that spells relief for mortgage rates.

The bellwether 10-year bond yield was down another seven basis points (bps) after Amazon and Intel spooked the market.

It’s the one silver lining in an otherwise gloomy situation, but only if you’re actually in need of a mortgage right now.

Tech Stocks Continue to Rattle the Market, Pushing Money Into Bonds

The other day we saw Alphabet shares get rocked. Today, we saw Amazon and Intel get hit, the latter of which plummeted over 30% at last glance. Yikes!

Intel said it might not achieve positive cash flow, an issue we’ve heard a lot of recently.

It appears all that infrastructure and AI spending is catching up to these companies, even if they do eventually profit from the buildout.

That has rattled investors, who were loving the high returns from AI-related names but now might be having second thoughts.

If they all of a sudden say hey, bonds look pretty attractive here with near-5% returns, that takes pressure off mortgage rates.

And that’s basically what we’ve been seeing, despite other headwinds like inflation, high oil prices, and the ongoing Middle East conflict.

[Compare five different mortgage rates side by side with my mortgage rate calculator.]

Why Do Falling Tech Stocks = Lower Mortgage Rates?

It’s a classic flight to safety.

When investors get nervous about stocks, they tend to sell and buy bonds instead, especially U.S. Treasuries, which are guaranteed to be paid out.

More demand for bonds pushes their price up and yield down.

As we know from many years of data, 30-year fixed mortgage rates tend to follow the 10-year yield in veritable lockstep.

So if you ever want to track mortgage rates, simply look at the 10-year bond yield and you’ll have a pretty good idea as to their direction.

If the 10-year yield drops, 30-year fixed mortgage rates should be lower on the day as well.

If the yields go up, which they did for the past few months until recently, 30-year fixed mortgage rates should also rise. And boy did they ever.

For perspective, the 10-year bond yield was as high as 5.365% in early October, the highest level since 2002, and now back below 5%.

You can thank the stock market rout for that, and basically nothing else.

The fact that yields fell despite data showing the economy grew at its fastest pace in a year with inflation running hot says a lot.

In other words, even hot economic data couldn’t stop the bond rally as fears of an AI bubble take center stage.

But What Does a Tech Selloff Mean for Home Buyers?

Here’s the problem with this recent mortgage rate rally.

Lower rates driven by fear and wealth destruction aren’t the same as lower mortgage rates driven by good news, like falling inflation.

If tech stocks keep sliding, that hits 401(k)s and other retirement accounts that many buyers may have been counting on for a down payment. Or for reserves.

Or simply to feel comfortable making a 6- or 7-figure home purchase.

And that diminishing wealth effect could eventually weigh on home sales even as interest rates improve.

Of course, it’s not definitive yet. October is notoriously bad for stocks and this year hasn’t disappointed.

If tech stocks bounce back, bond yields could pop right back up too and take mortgage rates with them.

And remember, mortgage rates are slow to fall and quick to rise.

Read on: How are mortgage rates determined?

Colin Robertson
Latest posts by Colin Robertson (see all)

How Much Time Do Students Spend In School? By State


.tci-kp{border:2px solid #141414;border-radius:8px;overflow:hidden;font-family:inherit;color:#141414;margin:24px 0;background:#fff}
.tci-kp .tci-kp-head{background:#141414;color:#fff;padding:12px 18px;font-weight:700;font-size:18px}
.tci-kp .tci-kp-head span{color:#f6c061}
.tci-kp ul{margin:0;padding:14px 18px 14px 38px;background:#fcfbf9}
.tci-kp li{margin:0 0 10px;line-height:1.5}
.tci-kp li:last-child{margin-bottom:0}

Key Points
  • The typical U.S. public school schedules about 1,231 hours a year, spread over roughly 179 days of 6.9 hours each.
  • Kansas requires 186 school days while Colorado requires 160. Students in the five longest-schedule states get 133 more hours a year than those in the five shortest.
  • Scheduled time overstates learning time, since 22.6% of students were chronically absent in 2024-25. Four-day school weeks cut about 85 hours a year.

American students spend about 1,231 hours in school each year, but where a child lives changes that number by weeks. A new Education Week review of state requirements found that Colorado sets the lowest bar at 160 instructional days, while Kansas sets the highest at 186. A review of 74 studies found that more time in school raises test scores, so those rules carry real weight for families.

No federal law sets how long students attend school. State lawmakers and local school boards make that call, and several states are rewriting their rules. EdWeek reports that Oklahoma will raise its minimum from 166 to 173 days in 2027-28. West Virginia will replace its 180-day rule with a 900-hour minimum that same year. The changes follow other state rewrites of school rules, such as New York’s move to end the Regents exam requirement.

.tci-toc{border:2px solid #141414;border-radius:8px;overflow:hidden;font-family:inherit;color:#141414;margin:24px 0;background:#fff}
.tci-toc .tci-toc-head{background:#141414;color:#fff;padding:12px 18px;font-weight:700;font-size:18px}
.tci-toc .tci-toc-head span{color:#f6c061}
.tci-toc .tci-toc-cols{display:flex;gap:24px;padding:14px 18px;background:#fcfbf9}
.tci-toc ol{flex:1;margin:0;padding-left:28px}
.tci-toc li{margin:0 0 8px;line-height:1.45;font-variant-numeric:tabular-nums}
@media (max-width:640px){.tci-toc .tci-toc-cols{display:block}.tci-toc ol+ol{margin-top:8px}}

Table Of Contents
  1. How Much Time Do U.S. Students Spend In School Each Year?
  2. Which States Require The Most And Least School Time?
  3. Where Do Students Actually Spend The Most Hours?
  4. How Does The U.S. Compare To Other Countries?
  1. How Much School Time Do Students Actually Miss?
  2. What School Time Means For Family Budgets
  3. What Parents Can Do Now

How Much Time Do U.S. Students Spend In School Each Year?

The typical K-12 public school student is scheduled for 1,231 hours of school a year. That figure comes from a Brown University and Stanford analysis published in Education Next, which used 2017-18 federal survey data. Schools averaged 178.6 days a year and 6.9 hours a day, with high schools running slightly longer than elementary schools.

Over 13 years from kindergarten through 12th grade, those hours add up to about 16,000. Parents weighing using a 529 plan for private elementary and high school can ask any school for its annual hours, since state minimums are only a floor.

.tci-shs{border:2px solid #141414;border-radius:8px;overflow:hidden;font-family:inherit;color:#141414;margin:24px 0;background:#fff}
.tci-shs .tci-shs-head{background:#141414;color:#fff;padding:14px 18px;font-weight:700;font-size:18px;line-height:1.3}
.tci-shs .tci-shs-head span{color:#f6c061}
.tci-shs table{width:100%;border-collapse:collapse;font-size:15px;line-height:1.45}
.tci-shs th{background:#f9f7f5;text-transform:uppercase;font-size:12px;letter-spacing:.05em;text-align:left;padding:10px 14px;border-bottom:1px solid #e5e0d8;color:#55504a}
.tci-shs td{padding:10px 14px;border-bottom:1px solid #e5e0d8;vertical-align:top}
.tci-shs tbody tr:nth-child(even){background:#fcfbf9}
.tci-shs td:first-child{font-weight:700}
.tci-shs tr.tci-shs-total td{background:#f6c061;font-weight:700}
.tci-shs .tci-shs-foot{background:#f9f7f5;color:#8a8378;font-size:12px;padding:10px 14px}
@media (max-width:640px){
.tci-shs table{font-size:14px}
.tci-shs th,.tci-shs td{padding:8px 10px}
}

Scheduled School Hours Per Year: 1,231 On Average
Measure Scheduled Time
National Average 1,231 hours a year
Average School Day 6.9 hours
Average School Year 178.6 days
Texas (Highest State Median) 1,313 hours a year
Hawaii (Lowest State Median) 1,131 hours a year
Four-Day School Weeks 85 fewer hours a year
Top Five Vs. Bottom Five States 133 more hours a year, or 1.4 extra years over K-12
Source: Kraft and Novicoff, Education Next. The College Investor.

Which States Require The Most And Least School Time?

Kansas requires the most instructional days at 186, and Colorado requires the fewest at 160. EdWeek counts 32 states that require at least 180 days. That 26-day difference grows to 338 days over a K-12 career, close to two full school years. Kansas’s minimum is 16% higher than Colorado’s, which clears the 10% threshold that researchers tie to measurable gains in achievement.

Other states count hours instead of days. A Thomas B. Fordham Institute review of state minimums found that Texas required 1,260 hours a year as of 2023. Arizona high schools needed only 720. Texas sets that high bar even as its public schools lost 76,000 students in one year. South Carolina now requires 1,080 hours on top of 180 days.

Every state’s rules appear in the table below, based on the Education Commission of the States’ 50-state comparison with 2026 changes reported by EdWeek. Families weighing a move can check these minimums alongside each state’s 529 plan options.

.tci-sst{border:2px solid #141414;border-radius:8px;overflow:hidden;font-family:inherit;color:#141414;margin:24px 0;background:#fff}
.tci-sst .tci-sst-head{background:#141414;color:#fff;padding:14px 18px;font-weight:700;font-size:18px;line-height:1.3}
.tci-sst .tci-sst-head span{color:#f6c061}
.tci-sst table{width:100%;border-collapse:collapse;font-size:15px;line-height:1.4}
.tci-sst th{background:#f9f7f5;text-transform:uppercase;font-size:12px;letter-spacing:.05em;text-align:left;padding:10px 14px;border-bottom:1px solid #e5e0d8;color:#55504a}
.tci-sst td{padding:8px 14px;border-bottom:1px solid #e5e0d8;vertical-align:top}
.tci-sst tbody tr:nth-child(even){background:#fcfbf9}
.tci-sst td:first-child{font-weight:700}
.tci-sst .tci-sst-foot{background:#f9f7f5;color:#8a8378;font-size:12px;padding:10px 14px}
@media (max-width:640px){
.tci-sst thead{display:none}
.tci-sst table,.tci-sst tbody,.tci-sst tr,.tci-sst td{display:block;width:100%;box-sizing:border-box}
.tci-sst tr{border-bottom:1px solid #e5e0d8;padding:8px 0}
.tci-sst td{border:none;padding:2px 14px}
.tci-sst td:not(:first-child)::before{content:attr(data-label) “: “;font-size:11px;text-transform:uppercase;letter-spacing:.05em;color:#8a8378}
}

Minimum School Time By State: All 50 States
State Minimum Days Minimum Hours, High School
Alabama 180 1,080
Alaska 180 900
Arizona 180 720
Arkansas Set by state rules 1,068
California 180 1,080
Colorado 160 1,080
Connecticut 180 900
Delaware No state minimum 1,060
District Of Columbia 180 No state minimum
Florida 180 900
Georgia 180 No state minimum
Hawaii 180 1,080
Idaho Set locally 990
Illinois 185 No state minimum
Indiana 180 No state minimum
Iowa 180 1,080
Kansas 186 1,116
Kentucky 170 1,062
Louisiana 177 1,062
Maine 180 No state minimum
Maryland 180 1,170
Massachusetts 180 990
Michigan 180 1,098
Minnesota 165 1,020
Mississippi 180 No state minimum
Missouri No state minimum 1,044
Montana Set locally 1,080
Nebraska No state minimum 1,080
Nevada 180 No state minimum
New Hampshire 180 990
New Jersey 180 No state minimum
New Mexico No state minimum 1,080
New York 180 990
North Carolina 185 1,025
North Dakota No state minimum 1,050
Ohio Set locally 1,001
Oklahoma 166 (173 in 2027-28) 1,080
Oregon No state minimum 990
Pennsylvania 180 990
Puerto Rico No state minimum No state minimum
Rhode Island 180 1,080
South Carolina 180 1,080
South Dakota Set locally 963
Tennessee 180 No state minimum
Texas No state minimum 1,260
Utah 180 990
Vermont 175 No state minimum
Virginia 180 990
Washington 180 1,080
West Virginia 180 900 starting 2027-28
Wisconsin No state minimum 1,137
Wyoming 175 1,000
Source: Education Commission of the States, Education Week. The College Investor.

Where Do Students Actually Spend The Most Hours?

Actual schedules run above the legal minimums. Kraft and Novicoff found median scheduled hours range from 1,131 a year in Hawaii to 1,313 in Texas. Students in the top five states, Texas, Nebraska, Arkansas, Mississippi and Alabama, spend 133 more hours a year in school than students in Hawaii, Nevada, Maine, Oregon and Rhode Island. That adds up to 1.4 extra years of school by graduation, before counting any dual enrollment college classes.

How Does The U.S. Compare To Other Countries?

U.S. students get more required class time than students in most developed countries, but their math scores land right at the international average. The OECD’s Education at a Glance 2025 report puts U.S. compulsory instruction at 8,917 hours across primary and middle school, against an OECD average of 7,642. Only four of the 35 OECD countries with national data require more: Australia, Denmark, Costa Rica and Colombia. U.S. teens still scored 463 in math on the latest PISA exam, exactly the OECD average.

The U.S. gets its hours from long days, not a long year. American schools average about 179 days, while the OECD average is 186 days in primary school. A typical U.S. day runs 6.9 hours, which pushes total time above most countries. Research on how longer school days affect achievement finds the payoff shrinks once days are already long.

.tci-ctp{border:2px solid #141414;border-radius:8px;overflow:hidden;font-family:inherit;color:#141414;margin:24px 0;background:#fff}
.tci-ctp .tci-ctp-head{background:#141414;color:#fff;padding:14px 18px;font-weight:700;font-size:18px;line-height:1.3}
.tci-ctp .tci-ctp-head span{color:#f6c061}
.tci-ctp table{width:100%;border-collapse:collapse;font-size:15px;line-height:1.45}
.tci-ctp th{background:#f9f7f5;text-transform:uppercase;font-size:12px;letter-spacing:.05em;text-align:left;padding:10px 14px;border-bottom:1px solid #e5e0d8;color:#55504a}
.tci-ctp td{padding:10px 14px;border-bottom:1px solid #e5e0d8;vertical-align:top}
.tci-ctp tbody tr:nth-child(even){background:#fcfbf9}
.tci-ctp td:first-child{font-weight:700}
.tci-ctp tr.tci-ctp-us td{background:#f6c061;font-weight:700}
.tci-ctp tr.tci-ctp-avg td{background:#fff;color:#141414;font-weight:700;border-top:3px solid #f6c061;border-bottom:3px solid #f6c061}
.tci-ctp tr.tci-ctp-avg td:first-child{border-left:3px solid #f6c061}
.tci-ctp tr.tci-ctp-avg td:last-child{border-right:3px solid #f6c061}
.tci-ctp .tci-ctp-note{background:#f9f7f5;color:#55504a;font-size:12px;padding:10px 14px 0}
@media (max-width:640px){.tci-ctp tr.tci-ctp-avg{border:3px solid #f6c061}.tci-ctp tr.tci-ctp-avg td{border:none}}
.tci-ctp .tci-ctp-foot{background:#f9f7f5;color:#8a8378;font-size:12px;padding:10px 14px}
@media (max-width:640px){
.tci-ctp thead{display:none}
.tci-ctp table,.tci-ctp tbody,.tci-ctp tr,.tci-ctp td{display:block;width:100%;box-sizing:border-box}
.tci-ctp tr{border-bottom:1px solid #e5e0d8;padding:8px 0}
.tci-ctp td{border:none;padding:3px 14px}
.tci-ctp td:not(:first-child)::before{content:attr(data-label) “: “;font-size:11px;text-transform:uppercase;letter-spacing:.05em;color:#55504a}
}

More Class Time, Middle-Of-The-Pack Math: U.S. Vs. The World
Country Required Class Hours, Primary And Middle School PISA 2025 Math Score Math Rank (Of 91)
Australia 11,000 478 17
United States 8,917 463 27
Netherlands 8,640 483 13
Singapore 8,500* 563 2
United Kingdom 8,500* 488 10
Canada 8,300 485 11
France 8,210 458 33
Ireland 8,185 480 14
Spain 7,891 457 35
Switzerland 7,680 499 9
OECD Average (Midpoint) 7,642 463 –
Italy 7,557 468 24
Germany 7,333 464 25
Japan 7,260 525 5
China (Four Provinces) 6,640* 612 1
South Korea 6,453 522 6
Estonia 6,432 508 8
Finland 6,413 469 22
Poland 5,304 484 12
*Estimated. China’s figure converts class periods to hours. Singapore and the U.K. set no national hours, so their figures are estimated from annual calendar requirements.
Source: OECD Education at a Glance 2025, OECD PISA 2025, China Ministry of Education. The College Investor.

How Does U.S. School Time Compare With China, Japan And South Korea?

The top-scoring Asian systems require less classroom time than the U.S., not more. Japan requires 7,260 hours across primary and middle school, and South Korea requires 6,453. That’s about 1,700 and 2,500 fewer hours than the U.S. Japan still scored 525 in math and South Korea 522 on PISA 2025, about 60 points above American students. Both countries also beat U.S. scores in reading and science on the same global exam.

China doesn’t report instruction time to the OECD. Its national curriculum plan, as published in Guangdong’s implementation rules (PDF File), sets 9,522 class periods over nine years of compulsory school. Primary periods last 40 minutes and middle school periods last 45. That works out to about 6,640 hours of new instruction by The College Investor’s math. Students in Beijing, Shanghai, Jiangsu and Zhejiang still posted the world’s top PISA math score at 612.

Neither figure counts private tutoring or after-school academies, since both measure only required school lessons. In the U.S., families who pay for that extra help can now cover tutoring with 529 plan money. Singapore, which ranked second in math at 563, doesn’t report hours to the OECD, and its school calendar points to about 8,500.

How Does The U.S. Compare With Europe?

European results show the same split between time and scores. Estonia posted Europe’s top math score at 508 while requiring 6,432 hours, about 2,500 fewer than the U.S. Poland requires the fewest hours in the OECD at 5,304 and still outscored American students by 21 points. The United Kingdom sets no national minimum for instruction time in England, and its students scored 488.

More time doesn’t guarantee a top score in Europe either. France requires 8,210 hours and Spain requires 7,891, yet both scored below the U.S. at 458 and 457. Germany, Italy and Finland all finished within six points of the U.S. with fewer required hours. The same disconnect shows up with money at home, where New York City schools are projected to spend about $43,778 per student and still trail the nation in fourth-grade math.

How Much School Time Do Students Actually Miss?

Scheduled hours overstate time in class. An American Enterprise Institute analysis reported by Chalkbeat found 22.6% of students were chronically absent in 2024-25, down from a peak of 28.3% in 2022. A chronically absent student misses at least 10% of the year, or about 18 days of a 180-day calendar. Attendance matters for older students too, since missed classes cut into time for SAT and ACT prep now that more colleges require scores.

Four-day weeks cut time by design. More than 2,100 schools in 26 states used a four-day schedule in 2024-25, according to an Education Week report on new state limits. Kraft and Novicoff found those students get 85 fewer instructional hours a year, or about 12 school days at a 6.9-hour pace. For working parents, the fifth weekday becomes a child care bill, an expense a dependent care FSA can pay with pre-tax dollars.

What School Time Means For Family Budgets

A 180-day calendar leaves about 185 days a year, counting weekends and summer, when children are not in class. Starting in 2026, a dependent care FSA lets families set aside up to $7,500 pre-tax for care of children under 13. Summer day camp counts, while overnight camp does not. That same contribution is one of several pre-tax moves that can lower a student loan payment under RAP and IBR.

Families who buy more learning time have new tools as well. The annual 529 limit for K-12 costs doubled to $20,000 in 2026, and the 529 plan expansion now covers tutoring, books and testing fees. Starting in 2027, taxpayers can claim the $1,700 Education Freedom Tax Credit for gifts to K-12 scholarship groups in states that opt in.

What Parents Can Do Now

  1. Ask for your school’s annual hours. Compare them with the 1,231-hour national average and with the research on how school time affects scores.
  2. Track attendance by the semester. Eighteen missed days in a 180-day year makes a student chronically absent. Catching it early protects the time students need for the SAT and ACT.
  3. Budget for days without school. Enroll in a dependent care FSA during open enrollment to cover after-school care and day camp.
  4. Pay for extra learning with a 529. Tutoring and testing fees are now qualified 529 plan expenses for K-12 students.
  5. Turn high school hours into college credit. Dual enrollment lets students earn credits that cut what families pay later.

FAQs

Does More Time In School Raise Test Scores?

More time raises scores, but only in larger doses. A review of 74 studies on time in school found a 10% increase in total time is the threshold most likely to produce measurable gains. Adding a single day to the school year produced only small math effects.

Which Country Has The Longest School Day?

Among OECD countries, Costa Rica requires the longest primary school day at about 5.7 hours of instruction. The College Investor calculated that by dividing required annual hours by school days in the OECD’s 2025 instruction time data. The U.S. ranks third at about 5.4 hours, and its middle schoolers get about 5.7 hours a day. Those figures count only class time, so the full day with lunch and recess runs longer than the class time researchers tie to achievement.

What State Has The Shortest School Hours?

Hawaii has the shortest actual school schedule, with a median of 1,131 hours a year, according to the Kraft and Novicoff analysis. By law, Arizona sets the lowest high school minimum at 720 hours, and Colorado sets the fewest required days at 160 among states with a day minimum. Shorter school days can mean more paid after-school care, an expense a dependent care FSA covers with pre-tax dollars.

Editor: Colin Graves

The post How Much Time Do Students Spend In School? By State appeared first on The College Investor.

In-N-Out Is Eyeing 3 More States. 1 Part of the U.S. Is Still Off-Limits



The family-owned burger chain is expanding its footprint across the U.S. Its owner insists one principle will always be true.

Citigold Review (2026.10 Update: $2,000 Offer, Small Changes)