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World Cup safety is in jeopardy due to funding chaos and a lack of security coordination



As yesterday marked 100 days until the World Cup kickoff, some fans wagered on tournament favorites Spain and England clinching the trophy, while others worried about whether North America is even ready to host.

Safety concerns are top of mind for the dozens of crowded events set to take place across the US, Canada, and Mexico:

  • The US and Israel’s military campaign in Iran has compounded existing security anxieties related to the cartel violence in Mexico last week.
  • Mexico’s government and FIFA assured the games there will be safe.

In addition, there are now doubts about whether Iran’s national team will participate in stateside matches.

Cash-strapped cities

US host city officials warned lawmakers last week that World Cup safety is in jeopardy due to funding chaos and a lack of security coordination between local and federal agencies. Uncle Sam earmarked $875 million to enhance game security, but that cash is being held up by a standoff over Homeland Security funding in Congress.

Mundial has run into municipal hitches…with the Boston-area town of Foxborough threatening to block the matches set to take place there until someone fronts $7.8 million in security costs.—SK

This report was originally published by Morning Brew.

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Mortgage Rates Ease Back Toward 6% Thanks to Oil Assurances From Trump


After a very bumpy start to the week, mortgage rates are falling back toward 6% again.

They jumped on Monday after an unexpected weekend strike took out Iranian leadership and led to a spike in oil prices.

Instead of getting the typical flight to safety in bonds we see after geopolitical events, both stocks and bonds sold off and yields jumped.

That led to a 30-year fixed that appeared to be moving firmly back into the 6s after finally enjoying some time in the high-5s.

But the move higher might be short-lived if the situation in the Middle East calms down.

Mortgage Rates Finally See Some Relief After Rough Few Days

As noted, the 30-year fixed was averaging just below 6% by several measures (Freddie Mac and Mortgage News Daily) for the first time since 2022.

Then a joint U.S.-Israeli strike carried out against Iran severely rattled global markets, sending both oil prices and bond yields higher.

The 30-year fixed climbed from 5.99% on Friday to 6.12% on Monday, per MND, then inched up even more on Tuesday before finally beginning to ease some.

Today, mortgage rates made a more decisive move lower, falling to 6.07% from 6.13% as 10-year bonds also came down.

Driving them lower might be news that the U.S. is taking steps to ensure ships can continue to travel through the Strait of Hormuz near Iran’s southern border.

Iran had threatened to close the channel and damage any ships that attempted to pass through.

But President Trump issued a statement on Truth Social saying, “Effective IMMEDIATELY, I have ordered the United States Development Finance Corporation (DFC) to provide, at a very reasonable price, political risk insurance and guarantees for the Financial Security of ALL Maritime Trade, especially Energy, traveling through the Gulf.”

In addition, he said “If necessary, the United States Navy will begin escorting tankers through the Strait of Hormuz, as soon as possible.”

It seems the White House quickly realized the serious disruption in the shipment of oil, which could exacerbate inflation at a critical time, leading to higher prices on both gas and everyday goods.

As such, they took immediate steps to assuage any fears on that front before conditions worsened.

Of course, there are still a lot of unknowns and we continue to hear reports of scattered bombings and violence throughout the Middle East, with perhaps more to come.

But it seems the initial sharp reaction in bond yields (and mortgage rates) has begun to unwind.

Where things go next will depend on the trajectory of the war.

Warsh Officially Nominated as Next Fed Chair

In other news, Trump officially nominated Kevin Warsh to be the next Fed chair, replacing current chair Jerome Powell.

Many expect Warsh to be dovish and in better alignment with the wishes of the Trump administration.

That generally means additional rate cuts, which will at least reduce short-term lending rates and could have some effect on longer rates as well.

We know the Fed doesn’t control mortgage rates, but it could prove to be another tailwind (and critically not a headwind) for mortgage rates.

This kind of adds to the momentum mortgage rates have enjoyed since the start of the year and could help get them back on their winning track.

Another big mover comes on Friday with the monthly jobs report from the BLS.

If that comes in cooler-than-expected, mortgage rates should see another move lower, back toward those 5-handle rates.

If it’s somehow hotter-than-expected, we could see rates pop even higher than they were on Monday.

So there’s a lot at stake in that report as it comes at a very crucial time given the news in the Middle East that has investors skittish.

It’s also early March, which is prime time for home buyers to start signing contracts and locking in mortgage rates on their purchases.

Colin Robertson
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30 Minutes of The BEST Financial Decisions for 2026 (Prepare Now!)



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17:23 Good Purchases
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How to Build a “Set-It-and-Forget-It” Real Estate Portfolio Without Owning Rentals


Rental investing isn’t passive. I know firsthand—I once owned 20+ rental properties. 

It takes a ton of work to buy them, stabilize them, and manage them, year in and year out. Even if you hire a property manager, you then have to manage the manager. 

Rentals, flipping, and wholesaling—these are all business models. They appeal to plenty of entrepreneurs looking to launch a side hustle or full-time business. But make no mistake: They involve starting a business. 

I don’t want a side business. I just want the cash flow, appreciation, and tax benefits of real estate investments. 

So, for those of you like me who want a real estate portfolio without having to run a real estate business, what options do you have?

Entry Level: REITs

Anyone with $10 can buy a share in a real estate investment trust (REIT). You buy and sell them with the click of a button in your brokerage account, just like any other stock. 

They’re cheap, liquid, and easy. So what’s the catch? There are several, unfortunately. 

First, by definition, you’re paying market value for them, as they trade on the open market. Don’t expect a bargain or outsized returns. 

Second, you pay taxes on the dividends at your full income tax rate. And unlike some other ways to passively invest in real estate, you don’t get a juicy depreciation write-off. 

Third—and arguably worst of all—they’re too correlated with the rest of the stock market. I’ve written about this before: They act as just one more sector of the stock market, with a similar correlation as other sectors like utilities or consumer staples. 

That means they don’t provide true diversification. They trade on public stock markets alongside other stocks and generally move to the same market rhythms. 

Goldilocks Level: Co-Investing

To solve all three of those problems with REITs, you need to go up a level and invest in private placements. But that doesn’t mean you have to be rich or invest the typical $50,000 to $100,000 in a single investment. 

When I say “private placement,” I’m referring to passive real estate investments that don’t trade publicly on stock exchanges or get hawked by crowdfunding companies. Options include:

  • Private partnerships with investors 
  • Private notes
  • Real estate syndications
  • Real estate funds

I’ve invested in all these and continue investing $5,000 every month in a new one or two. I approach it as dollar-cost averaging for my real estate investments. 

Yes, operators do typically require a minimum of $50,000 to $100,000—if you invest by yourself. This is why I don’t. 

I invest alongside other members of a co-investing club. We all meet on a Zoom call to vet a new passive real estate investment together, grilling the operator with questions. Then we boot them off the call and have an internal club discussion to analyze risk and returns. 

We can then each invest $2,500 or more if we like it—or skip it and wait a couple of weeks for the next one. 

My current portfolio includes 45 of these passive investments, all spread across dozens of cities and operators. It’s a true “set it and forget it” portfolio, where I just sit back and collect distributions every quarter. 

Wealthy Level: Solo Private Placements

Of course, the wealthy could potentially invest $50,000 to $100,000 by themselves in a new passive investment every month. 

That said, you’d need a massive income to do this kind of dollar-cost averaging, investing $50K to $100K every month. That’s $600,000 a year, minimum, just in real estate investments. 

Granted, not everyone practices dollar-cost averaging. But then you start getting tempted to try and time the market, which adds a whole new risk to your investments. 

Tracking Your Passive Investment Portfolio

As you start stacking up all these passive real estate investments, how do you keep track of them all? How do you track returns for them? 

You have a few options. I keep a spreadsheet of all my investment accounts, and I list all my real estate investments on it as well, along with my initial investment and the approximate yield. This helps me track my passive income as well for measuring my “FI ratio”: the percentage of my living expenses that my passive income can cover. When that reaches 100%, working becomes completely optional. 

As another free option, I also use Credit Karma’s net worth tracker. It’s not as good as Mint was, but Intuit discontinued Mint and imported the data to Credit Karma. The better to sell you other services, my dear. 

As a paid option, Vyzer specializes in tracking alternative investments alongside traditional paper assets. 

Finally, my co-investing club has an automated tracker for its group investments. It updates with the current yield for each investment. 

A Counterweight to Stocks

I want my real estate portfolio to look almost as diverse as my stock portfolio. That includes geographical diversification, property type, debt versus equity, operator diversification, and even timeline diversification. 

My stock portfolio provides relatively liquid investments I can sell anytime. They’re more growth-oriented, paying almost no income yield. But they’re easy to put in an IRA, diversify, and automate weekly contributions and investments through a roboadvisor. 

Real estate is not liquid and is harder to invest in through an IRA. It requires much larger minimum investments, which makes it harder to buy once or twice a month for dollar-cost averaging. 

But it generates high income yields for me and provides built-in tax benefits and true diversification from the stock market. A stock market crash won’t necessarily derail any of my real estate investments. 

That high yield on many of these investments will also help me avoid selling any stocks in the early years of not working full-time. I don’t plan to “retire” in the conventional sense, but I will gradually shift from traditional work to writing novels and other not-so-lucrative work. The longer I can delay withdrawing from my nest egg, the better. 

If you’re wealthy enough to practice dollar-cost averaging in private placements by yourself, I tip my hat to you. For the 99.99% of the rest of us, consider joining a co-investing club if you want to build a set-it-and-forget-it real estate portfolio like I have, with the full cash flow, appreciation, and tax benefits real estate offers. 

The New Rules of Work — and Why Professionals Are Rethinking Their Careers


Editor’s Note: This story originally appeared on FlexJobs.com.

The workplace is being shaped by changing attitudes, evolving priorities, and new cultural flashpoints.

From the “Gen Z workplace stare” debate to conversations about going from white-collar to blue-collar in search of better pay, the findings reveal just how much employee expectations are evolving.

The FlexJobs Workforce Pulse Report, which polled 3,063 professionals across generations in August 2025, sheds light on generational differences in the workplace and the economic realities influencing today’s career decisions.

24% Have Received the ‘Gen Z Stare’ in the Workplace

The “Gen Z stare” is a viral workplace phenomenon, often described as a deadpan or unimpressed look younger employees bestow on their colleagues. It has sparked an ongoing Gen Z workplace stare debate, with some finding it rude and others viewing it as a quiet act of resistance.

While the look itself may seem small, its rise speaks to deeper generational differences in the workplace.

Older generations often entered jobs with an expectation that they should pay their dues and avoid conflict, whereas Gen Z is more likely to push back on unreasonable expectations, refuse to accept outdated office norms, or point out imbalances in professional dynamics.

In this way, the Gen Z stare is less about eye contact and more about a cultural evolution of workplace values, moving toward questioning authority and prioritizing boundaries.

In the survey, nearly one-quarter of workers (24%) said they have received the Gen Z stare at work from younger teammates.

Generational breakdowns reveal important differences, with Gen X professionals the most likely to be on the receiving end. Here is the percentage of each generation that reported receiving the Gen Z stare at work:

  • Gen X: 27%
  • Boomers: 25%
  • Millennials: 22%

Interestingly, 10% of millennials reported having both received and given the Gen Z stare in workplace settings. Among those, 5% admitted they intentionally directed the stare at older colleagues.

62% Ready to Make the Switch From White-Collar to Blue-Collar

Financial motivations and job security continue to weigh heavily on professionals. In the survey, 62% of respondents said they would consider switching from a white-collar to a blue-collar job if it offered better pay and stability than their current role.

In addition to exploring skill-based roles, many workers reported daydreaming about alternatives to their current careers.

The most common career aspirations included:

  • Switching fields entirely: 45%
  • Starting a business: 44%
  • Early retirement: 40%
  • Moving abroad: 34%
  • Doing nothing for a while: 29%
  • Going back to school: 27%

Why 85% Say Their Career Expectations Have Changed

Most professionals today believe their career expectations have changed since they graduated or entered the workforce.

Over half (58%) said their expectations have changed significantly, while another 27% said they have somewhat changed. Only 15% reported that their expectations have stayed the same.

When looking at the results by generation, millennials were the most likely to report significant changes (62%), followed by Gen X (59%) and baby boomers (54%). Nearly a quarter of boomers (23%) said their career expectations have stayed the same, more than double the rate of millennials (11%).

Here’s the percentage of each generation who said their career expectations changed upon entering the workforce — and by how much:

  • Career expectations changed significantly: Millennials (62%); Gen X (59%); Boomers (54%)
  • Career expectations changed somewhat: Millennials (27%); Gen X (28%); Boomers (23%)
  • Career expectations stayed the same: Millennials (11%); Gen X (13%); Boomers (23%)

The survey also asked whether workers felt their college or training program adequately prepared them for the workforce. Responses were nearly split, with just over half (55%) saying they were prepared for the workforce by their college or training program and 45% saying they were not.

Looking closer:

  • 19% felt completely ready
  • 36% felt at least somewhat prepared
  • 30% did not feel prepared
  • 15% said they were not prepared at all

Switching From White-Collar to Blue-Collar Jobs

As the survey revealed, many workers are rethinking what they want out of their careers and are willing to trade desk jobs for skilled trades if it means better pay, greater stability, or more tangible results at the end of the day.

If you’re one of the 62% of professionals considering a change from white-collar to blue-collar work, you’re likely weighing the skills, training, and financial steps it would take.

Making a switch like this can feel daunting, but it’s not impossible. Here are some key factors to consider when going from white-collar to blue-collar work.

1. Skills That Transfer From Office to Trades

A common misconception is that moving into blue-collar work requires starting from scratch. In reality, there are many transferable skills developed in office-based roles that can carry directly into trades.

For example:

  • Project management: Professionals used to juggling deadlines, budgets, and multiple stakeholders will find those abilities invaluable in fields like construction, electrical work, or plumbing, where coordinating schedules and resources is essential.
  • Communication and customer service: Blue-collar workers often interact directly with clients, homeowners, or contractors. Clear communication and a professional demeanor, honed in meetings and presentations, are just as important on a job site.
  • Problem-solving: White-collar jobs often involve troubleshooting systems or processes. That same analytical mindset applies when diagnosing a mechanical issue, installing wiring, or finding safe, effective fixes in hands-on work.
  • Tech proficiency: As trades adopt more digital tools, like construction management software, diagnostic equipment, or even drones, familiarity with technology gives career changers an edge.

2. Training Pathways and Certification Requirements

Unlike many office roles, blue-collar jobs often require hands-on training and specific certifications. The good news is that there are multiple entry points depending on your goals and timeline.

Apprenticeships

Many trades, like carpentry, plumbing, and electrical work, offer paid apprenticeships where you learn on the job under the supervision of a licensed professional. Apprenticeships might also be found in areas like culinary arts, healthcare support roles, cosmetology, and even hospitality.

Apprenticeships typically last between two and five years, depending on the trade and state requirements, but they allow you to “earn while you learn.”

Trade Schools and Community Colleges

Shorter-term programs at trade schools and community colleges provide classroom instruction alongside hands-on training in fields like HVAC, welding, or automotive repair.

Many of these programs can be completed in less than two years, making them a faster route into the workforce compared to a four-year degree.

Community colleges in particular offer a wide variety of career pathways, including nursing, medical assisting, culinary arts, and cosmetology. Some schools also partner with local businesses to connect students with internships, clinical rotations, or job placements after graduation.

Certifications and Licenses

Certain fields require state or federal career certifications or licenses, especially when safety, compliance, or specialized knowledge is involved.

For example, electricians must often be licensed by their state, welders can pursue certification through the American Welding Society, nurses need state licensure and sometimes national board certification, and chefs may pursue food safety certifications to advance their careers.

On-the-Job Training

Some employers, particularly in industries like manufacturing, logistics, healthcare, and food service, hire workers with little or no prior experience and provide structured on-the-job training programs.

This path is especially appealing if you want to begin earning quickly without investing heavily in school upfront.

3. Financial Planning for Career Transition

Switching careers often comes with upfront costs and temporary income adjustments, so financial planning is a major aspect of moving from a white-collar to a blue-collar career. Taking the time to create a clear financial road map now can ease the stress of transition and allow you to focus fully on building your new path.

Here are the expenses you might face:

  • Education and training costs
  • Decreased earnings while training or at the entry level
  • Fees for licenses or certifications
  • Gaps in income during the transition

But there are likely financial benefits too, like:

  • Strong long-term earning potential in many trades
  • Competitive salaries once licensed or certified
  • High-quality or even union-provided healthcare, retirement, or other benefits

When planning, take advantage of the resources available to you and plan effectively. You can do this by:

  • Researching scholarships, union programs, or employer reimbursement
  • Building savings or adding a side income to bridge training periods
  • Comparing job offers with an eye on both salary and benefits

4. Physical and Lifestyle Adjustments

Blue-collar work can be rewarding, but it’s often also physically demanding. Unlike desk jobs, many trades require spending long hours on your feet, heavy lifting, or working outdoors in variable conditions. Preparing for this change is just as important as learning technical skills.

Consider these practices to prepare your life, mind, and body for a white-collar-to-blue-collar career change:

  • Building a regular fitness routine to support stamina and strength
  • Learning about safety practices and investing in proper protective gear
  • Understanding work schedules, which may include early mornings, overtime, or seasonal fluctuations
  • Factoring in commuting to job sites, which can vary from day to day
  • Preparing for physical wear and tear, such as joint strain or back issues, and adopting preventive care habits
  • Adjusting your lifestyle to allow for adequate rest, recovery, and sleep
  • Balancing work with family or personal commitments when schedules are less predictable
  • Staying on top of nutrition and hydration, since physically demanding jobs require consistent fuel

5. Networking and Career Growth in Trades

Just like in-office careers, connections matter in the trades. Investing in your professional network by joining local associations, attending training events, or volunteering on community projects can open doors and connect you with mentors.

Most trades offer clear advancement paths, such as moving from apprentice to journeyman to master or into supervisory and management roles. In fields like healthcare or culinary work, growth often comes through certifications or specialization.

For the entrepreneurially minded, trades can also lead to business ownership. Many career changers launch contracting companies, restaurants, or service businesses, blending their white-collar knowledge with hands-on expertise.

Is Flexible Work the Answer?

The workplace reflects a clear evolution of priorities. Younger generations are challenging outdated norms, while many professionals are reevaluating what they want from their careers. For some, that means trading office jobs for the stability, earning potential, and tangible rewards of blue-collar work.

No matter the path, the themes are consistent. Workers want meaningful careers, fair pay, flexibility, and the ability to shape their future.

The rise of the Gen Z stare, the growing interest in skilled trades, and the widespread acknowledgment that career expectations have changed all point to the same reality: Work today looks very different than it did a decade, five years, and even a year ago.

As professionals adapt, flexibility remains a common thread. Whether that means exploring new industries, retraining for skilled roles, or negotiating for remote jobs and hybrid options, the future of work will belong to those who are willing to rethink what career success looks like and pursue it with clarity and confidence.

Chase Offers: Save 10% On Air India (Max $50 Savings)


The Offer

Check your Chase Offers for the following deal:

  • Earn 10% cash back on your Air India purchase, with a $50 cash back maximum. Minimum $100 spend. Valid until 3/31

Our Verdict

Useful offer if you plan to fly Air India. 

Hat tip to FM

Why Micron Stock Is Soaring Today


Micron (MU +6.84%) stock is bouncing back Wednesday after a substantial sell-off in Tuesday’s trading. The company’s share price was up 7.1% as of 12:30 p.m. ET. At the same point in the session, the S&P 500 had risen 0.8%, and the Nasdaq Composite was up 1.3%.

Investors moved out of tech stocks in response to fears stemming from the U.S. and Israel’s war with Iran, but that trend is reversing today. The market seems to be betting that the conflict could be resolved in the not-too-distant future, and Micron’s valuation is getting a boost.

Image source: Getty Images.

Tech stocks rise as investors adopt optimistic stances on the Iran situation

Major indexes opened deeply in the red yesterday as concerns that macroeconomic disruptions connected to the war in the Middle East could create sustained pressures for equity valuations. While all major indexes closed the day in the red, losses narrowed as the day progressed — and the market is seeing a bullish reversal in today’s trading.

According to reports this morning, Iran’s intelligence services have signaled a willingness to negotiate a relatively quick end to the war. Investors are buying back into stocks in response, and Micron’s share price is surging.

Micron Technology Stock Quote

Today’s Change

(6.84%) $25.96

Current Price

$405.64

What’s next for Micron?

Micron has been on a huge winning streak amid surging demand for memory chips used in processors for artificial intelligence (AI) data centers. Despite some fears about the cyclical nature of tech infrastructure buildouts, the spending outlook for AI processors and related hardware over the next couple of years has continued to look very robust. Unfavorable geopolitical and macroeconomic developments can be expected to create volatility for Micron stock, but the company’s business is in strong shape.

Keith Noonan has positions in Micron Technology. The Motley Fool has positions in and recommends Micron Technology. The Motley Fool has a disclosure policy.

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Mortgage rule changes are expanding insured market activity, insurers say




Mortgage insurers say recent federal policy changes are giving first-time buyers more purchasing power, even as broader housing market conditions remain uneven.