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Jessica Roy

@jessicaroy.bsky.social
1.7K followers 1.3K following 243 posts

I'm the personal finance columnist for the @sfchronicle. One-time Joan Baez backup dancer.

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Jessica Roy @jessicaroy.bsky.social · 05/11/2025
Is there an AI bubble? Some of AI's biggest boosters seem to think so. I talked to financial experts about what you can do with your money to protect it (or prepare to ride out a downturn) if there's a burst: www.sfchronicle.com/personal-fin...
sfchronicle.com
Worried about an AI bubble? Here’s what to do with your money now
Sam Altman, Mark Zuckerberg and Eric Schmidt have all acknowledged the possibility of an “AI bubble.” How can non-tech billionaires protect their money from the potential fallout of a burst?
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Jessica Roy @jessicaroy.bsky.social · 31/10/2025
Exciting news for working parents with kids under 13: The dependent care FSA, which has had the same limit since it was introduced in 1986, is finally increasing next year: www.sfchronicle.com/personal-fin...
sfchronicle.com
You can soon save more pretax money for child care — but there’s a catch
Attention, parents doing open enrollment: You can sock away more money for day care costs in 2026, thanks to a change in the dependent care flexible spending account limit.
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Jessica Roy @jessicaroy.bsky.social · 29/10/2025
Federal workers are now missing entire paychecks due to the shutdown. We rounded up grants, loans, food banks, restaurants, hardship loans, unemployment information and other resources for federal employees. No paywall: www.sfchronicle.com/personal-fin...
sfchronicle.com
The government shutdown is costing workers entire paychecks — here’s what you can do now
Thousands of federal workers in the Bay Area are going without pay amid the government shutdown. If you’re one of them, here’s a list of financial resources to tap — and things to avoid.
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Jessica Roy @jessicaroy.bsky.social · 25/10/2025
Sometimes you just can't predict where your reporting will take you. I set out to find out how much the $1.50 Costco hot dog deal -- now celebrating its 40th year -- would cost if that price had kept up with inflation. I wound up in a conversation with a Costco super-fan who owns a piece of history.
Milton Cardoza of Sunnyvale with a Costco food court hot dog sign, a Costco food court hot dog shirt, and a Costco food court hot dog.
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Jessica Roy @jessicaroy.bsky.social · 10/10/2025
The COLA increase for 2026 was set to be announced on Oct. 15. The government shutdown “is going to delay that announcement.” www.sfchronicle.com/personal-fin...
sfchronicle.com
How the government shutdown could impact the Social Security COLA increase
The 2025 cost-of-living adjustment increase for Social Security recipients was set to be announced Oct. 15. The government shutdown is expected to delay that.
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Jessica Roy @jessicaroy.bsky.social · 02/10/2025
How much does it cost to send your child to the top-ranked private high schools in the Bay Area? In many cases, more than UC tuition. Here's how the top private schools ranked this year and what they cost.
Bay Area private school rankings: Schools ranked in the top 100 in the U.S. in 2026 by school information website Niche and their annual tuition.
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Jessica Roy @jessicaroy.bsky.social · 29/09/2025
I love getting emails from readers, and I try to write back as often as I can. But when I published our list of California’s richest suburbs, my inbox overflowed with variations on the same question. So I wrote a follow-up: www.sfchronicle.com/personal-fin...
sfchronicle.com
These are the 50 richest California cities — and why some didn’t make the list
We got lots of emails from readers asking about omissions on our “richest suburbs in California” list. Here’s why some cities didn’t make the cut — and where they would have landed.
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Jessica Roy @jessicaroy.bsky.social · 25/09/2025
Bay Area parents: Tell us your thoughts on private school — and help shape our coverage www.sfchronicle.com/personal-fin...
sfchronicle.com
Bay Area parents: Tell us your thoughts on private school — and help shape our coverage
Many parents in the Bay Area choose to send their children to private K-12 schools. Are you one of them? We’d like to hear from you for an upcoming series.
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Jessica Roy @jessicaroy.bsky.social · 22/09/2025
“The fact is we’re paying more partly because of tariffs.” www.sfchronicle.com/personal-fin...
sfchronicle.com
The best way to save money as grocery prices spike? Make these easy shopping swaps
When grocery prices go up, consumers buy fewer things and reduce spending. But there's another simple way to save money at the grocery store.
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Jessica Roy @jessicaroy.bsky.social · 18/09/2025
Gov. Newsom weighs in: "Corrupt, despicable, & spineless behavior. A coordinated effort to control the media is happening before our eyes & it needs to be called out."
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Jessica Roy @jessicaroy.bsky.social · 17/09/2025
A new study out of the California Policy Lab found hundreds of thousands of Californians are now delinquent on their student loans. Older borrowers are more likely to be behind. www.sfchronicle.com/personal-fin...
sfchronicle.com
Boomers, Gen X, Millennials or Gen Z? Who’s hurting most from student loans in California
The number of Californians delinquent on their student loans has spiked into the hundreds of thousands — with some age groups hit harder than others, according to a new report.
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Jessica Roy @jessicaroy.bsky.social · 11/09/2025
Even in vaccine-friendly California, people are having trouble getting COVID shots. Here are the conditions that qualify + other tips to get one here. www.sfchronicle.com/health/artic...
sfchronicle.com
COVID vaccine chaos: Even pharmacists are confused, but here’s who can get one
Confusion in the wake of new federal restrictions on COVID-19 vaccine eligibility has caused frustration for some Californians trying to get the updated shots.
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Jessica Roy @jessicaroy.bsky.social · 08/09/2025
These are California’s 50 richest suburbs — a Bay Area city tops the list www.sfchronicle.com/personal-fin...
sfchronicle.com
These are California’s 50 richest suburbs — a Bay Area city tops the list
The Bay Area isn’t just wealthy — it’s home to most of California’s richest suburbs. Here are the 50 wealthiest statewide and what it costs to buy in.
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KQED Forum @kqedforum.bsky.social · 10/07/2025
🎧 Listen to the Podcast! @sfchronicle.com's @jessicaroy.bsky.social, @latimes.com's Andrea Castillo and McClatchy's David Lightman broke down what the new law means for everyday Californians like you. 🔗: buff.ly/1As0FhK
link.chtbl.com
KQED's Forum
Forum tells remarkable and true stories about who we are and where we live. In the first hour, Alexis Madrigal convenes the diverse voices of the Bay Area, before turning to Mina Kim for the second…
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Jeremy Lindenfeld @jeremotographs.bsky.social · 14/06/2025
I’m in downtown Los Angeles where the “No Kings” protest is set to begin in half an hour. There are already well over 1000 people here. The crowd is rapidly growing, and in my estimation is made up of a significantly older contingent than previous anti-ICE protests in LA. I’ll be covering all day
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Jessica Roy @jessicaroy.bsky.social · 11/06/2025
The Pentagon confirmed to the Chronicle that the photos of sleeping soldiers are real. www.sfchronicle.com/california/a...
sfchronicle.com
We published real photos of troops sleeping on a floor in L.A. Right-wing critics called them fake
So widespread were the claims that fact-checking organizations launched inquiries. Then the Pentagon confirmed the Chronicle’s images of National Guard troops in Los Angeles were authentic.
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James Queally @jqwritesstuff.bsky.social · 11/06/2025
As faith leaders have a crowd take a knee and pray outside the federal building, DHS officers raise their weapons at priests and National Guard members lineup with riot shields against them tonight in downtown L.A.
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Adam Rose @adamrose.bsky.social · 08/06/2025
Law enforcement is violently targeting press at protests around Los Angeles, from easily recognizable "mainstream" outlets to freelancers and independents. ALL press have explicit legal protections in California. #JournalismIsNotACrime. This evidence thread may get graphic. 🧵👇
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James Queally @jqwritesstuff.bsky.social · 08/06/2025
In the last 20 or so minutes I’ve seen LAPD officers shove women to the ground without provocation, rip a sign out of a man’s hand and then swing a baton into his leg and raise a less-lethal launcher to aim directly at a protester (which I’m 99% is a major policy violation.)
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James Queally @jqwritesstuff.bsky.social · 08/06/2025
.⁦‪⁦‪@LAPDHQ‬⁩ officer just raised and aimed directly at a protester.
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makena kelly @makenakelly.bsky.social · 17/04/2025
NEW: The CFPB has been gutted. More than 1,400 workers received RIF notices this afternoon, agency sources tell me. Around 200 employees are left. www.wired.com/story/cfpb-h...
wired.com
The CFPB Has Been Gutted
The Consumer Financial Protection Bureau terminated the positions of 1,406 employees at the congressionally-mandated agency.
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KQED Forum @kqedforum.bsky.social · 12/04/2025
MON at 9AM: @jessicaroy.bsky.social, @ramitsethi.bsky.social & @usnews.com Money editor Susannah Snider join to help us make sense of the economic uncertainty and how it should affect our financial choices. ❓ How are you managing your finances in response to tariffs, inflation or market changes?
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Should retirees move money amid market turbulence? What experts say now
With President Donald Trump’s ever-shifting approach to tariffs and the market’s volatility, how should retirees be reacting? Here’s what planning experts say.
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San Francisco Chronicle @sfchronicle.com · 17/03/2025
On “Everybody’s Live With John Mulaney,” @jessicaroy.bsky.social sat down with Joan Baez, Michael Keaton and Fred Armisen to talk about a financial issue that most of us will face at some point.
sfchronicle.com
John Mulaney asked me one of life’s vexing finance questions. Here's what I said
On “Everybody’s Live With John Mulaney,” I sat down with Joan Baez, Michael Keaton and Fred Armisen to talk about a financial issue that most of us will face.
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Dave Itzkoff @ditzkoff.bsky.social · 13/03/2025
Had to preserve a frame of Joan Baez (with Richard Kind and Jessica Roy) dancing to Cypress Hill's "Hits from the Bong" on John Mulaney's Netflix show
Joan Baez dancing to Cypress Hill
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Jessica Roy @jessicaroy.bsky.social · 11/03/2025
Hey, that's me!
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San Francisco Chronicle @sfchronicle.com · 10/03/2025
Catch Chronicle columnist @jessicaroy.bsky.social LIVE on Netflix this Wednesday!
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Jessica Roy @jessicaroy.bsky.social · 10/03/2025
Good morning! This week I’m on Everybody’s Live With John Mulaney. Watch! Call in! #EverybodysLive
List of guests for Everybody’s Live With John Mulaney - Michael Keaton, Joan Baez, Fred Armisen, personal finance columnist Jessica Roy, and music from Cypress Hill
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Jessica Roy @jessicaroy.bsky.social · 30/01/2025
The mayor of San Jose says the state should negotiate a bulk purchase of up to 1 million ADUs and sell them to cities, agencies and homeowners to address the state's housing crunch: sfstandard.com/opinion/2025...
sfstandard.com
Opinion | With wildfires and homelessness raging, it's time to bring back the shack
ADUs can house people who lost homes to wildfires and create more affordable housing for people all over California. It’s time to build.
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Jessica Roy @jessicaroy.bsky.social · 30/01/2025
The CFPB released an updated and searchable database of consumer reporting companies. There are... a lot. www.consumerfinance.gov/consumer-too...
consumerfinance.gov
Consumer reporting companies | Consumer Financial Protection Bureau
Consumer reporting companies
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Jessica Roy @jessicaroy.bsky.social · 29/01/2025
Have you built an ADU in California? I reeeally really want to hear all about it. Tell me more here: www.sfchronicle.com/personal-fin...
sfchronicle.com
Have you built — or tried to build — an ADU in California? Tell us about it
Have you built — or tried to build — an accessory dwelling unit, granny flat or backyard cottage? Personal finance columnist Jessica Roy wants to hear from you.
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Jessica Roy @jessicaroy.bsky.social · 29/01/2025
“Without a faster transition away from planet-heating fossil fuels, California will continue to get hotter, drier, and more flammable.” www.sfchronicle.com/weather/arti...
sfchronicle.com
Here’s how much climate change increased the chances of the L.A. fires burning
The Palisades and Eaton fires are among California’s deadliest and most destructive on record.
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Sammy Roth @sammyroth.bsky.social · 17/01/2025
Pacific Palisades was a second home for housekeepers and nannies -- the place that paid their mortgages and gave their kids a place to go to school. Their employers could be as close as family. For many of them, it's all gone now: www.latimes.com/california/s... via @brittnymejia.bsky.social
latimes.com
These gardeners, housekeepers, nannies kept Pacific Palisades going. Fire took their jobs
Housekeepers, gardeners, pool cleaners and other workers have been left grappling with a loss of income and grief for longtime employers they considered family.
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Liam Dillon @liamjdillon.com · 11/01/2025
Despite anti-gouging laws, we're finding examples of huge increases for available apartments in the wake of the Los Angeles wildfires. An Encino landlord raised the price of their four-bedroom listing by 28% to $11,500 a month until my colleague called them. www.latimes.com/california/s...
One property that has seen rent change is a four-bedroom house on Dellvale Place in Encino. According to Zillow, the property was being advertised for $9,000 a month on Jan. 3.

Then, following the fires and the state of emergency, the asking rent on the listing changed, rising nearly 28% to $11,500.

In a phone interview Thursday, listing agent Soheila Mirfakhrai said she didn’t feel comfortable increasing the price, but the owner told her to do so without offering an explanation why. She said she did not know about the price gouging law.

After Mirfakhrai spoke with The Times by phone, the price was lowered to $9,800 — an increase of nearly 8.9% from the Jan. 3 asking rent.

“He agreed to bring the price down,” Mirfakhrai said in a text. “I told him that was not right and I would quit.”
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Sammy Roth @sammyroth.bsky.social · 09/01/2025
All of our coverage is free and open to the public here: www.latimes.com/california/l...
latimes.com
5 dead, more than 1,100 structures destroyed as firestorm besieges L.A. County
More than 1,100 buildings have burned and at least five people are dead in wildfires burning across L.A. County, making this one of the most destructive firestorms to hit the region in memory.
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Bryan Boatman @bryanboatman.bsky.social · 09/01/2025
Direct hit on the Sunset Fire in Hollywood. 🎯 Nice work, @lafd.bsky.social #LAFD c/o @nbcla.bsky.social 👨🏼‍🚒
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Jen McGowan @iamjenmcg.bsky.social · 08/01/2025
Los Angelenos! The app Watch Duty will keep you updated on the fires
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Jessica Roy @jessicaroy.bsky.social · 08/01/2025
Stuff to pack/prep if you might need to evacuate (applies to basically everyone in LA right now): Water, nonperishable food, utensils, can opener Flashlight + extra batteries First aid kit Fire extinguisher Moist towelettes, garbage bags, toilet paper, and plastic ties (cont.)
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Jessica Roy @jessicaroy.bsky.social · 08/01/2025
Stuff you should have on hand in case of disaster: Water (one gallon per person per day for several days) Food (several days' worth, non-perishable) Battery-powered or hand crank NOAA weather radio Flashlight First aid kit Extra batteries
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Jessica Roy @jessicaroy.bsky.social · 08/01/2025
Never ever a bad time to charge your devices and power banks and check your flashlight batteries!
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San Francisco Chronicle @sfchronicle.com · 06/01/2025
Food eats up a lot of most budgets — and it’s one of the few areas with spending flexibility. @jessicaroy.bsky.social shares the strategy that’s been a game-changer for her: trib.al/Hvr8N3z 📸: John Blanchard/The Chronicle
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Jessica Roy @jessicaroy.bsky.social · 06/01/2025
I looked up whether my toddler's fever symptoms are normal and I'm absolutely losing it at how this information is being presented
A screenshot from an animated video showing a meter marked "fever" high-fiving an anthropomorphized brain while confetti falls with a text banner over them that says "A FEVER WON'T CAUSE BRAIN DAMAGE"
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Jessica Roy @jessicaroy.bsky.social · 01/01/2025
All this month, I'm writing about tiny ways to improve your finances. It starts with a challenge you can do today: Commit to tracking your expenses for a month. www.sfchronicle.com/personal-fin...
sfchronicle.com
Want to track your expenses and grow wealth? Start with this simple challenge
Want to pay off debt or save more money or learn to make a budget? Whether you use cash, checks, credit or debit cards, write down what you spend.
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Jessica Roy @jessicaroy.bsky.social · 31/12/2024
Want to get on top of your money stuff in the new year? I've got a new newsletter coming out that breaks down taking charge of your finances into little bite-size daily tasks -- one for every day of January. Sign up here! It's free! www.sfchronicle.com/newsletters/...
sfchronicle.com
Wealth Challenge: 31 Days to Better Finances
In the new year, are you hoping to get on top of your money stuff? Then you’ve come to the right place. Let us guide you through reaching your financial goals, one day at a time.
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Jessica Roy @jessicaroy.bsky.social · 31/12/2024
The economy is good! Wait, no, the economy is bad. Actually, what you think about it depends a lot on how you measure it. I talked to @s-stantcheva.bsky.social about her research on why we dislike inflation: www.sfchronicle.com/personal-fin...
sfchronicle.com
Is the economy good or bad? The answer may come down to how you define one word
The economy looks good on paper, but it feels bad to most Americans. An economist took a closer look at what causes the disconnect.
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NPR @npr.org · 13/12/2024
In Washington, D.C., a tax on residents earning more than $250,000 a year is boosting the wages of child care workers. Two years in, it's proving to be a great investment.
npr.org
How D.C. tackled a child care crunch through a tax hike on the rich
In Washington, D.C., a tax on residents earning more than $250,000 a year is boosting the wages of child care workers. Two years in, it's proving to be a great investment.
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Sammy Roth @sammyroth.bsky.social · 12/12/2024
Lower-income Californians can get $2,000 rebates on electric bikes. My @latimes.com colleague @karenmg.bsky.social explains how: www.latimes.com/california/s...
latimes.com
Here's how you can get California to help pay for your e-bike this Christmas
Eligible Californians can apply for up to $2,000 for the purchase of an e-bike, thanks for a state incentive program.
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Laura J. Nelson @laurajnelson.bsky.social · 10/12/2024
And don't miss this exchange in the comments section: www.latimes.com/california/s...
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Jessica Roy @jessicaroy.bsky.social · 11/12/2024
The power went out for an hour the other night and now the electric company has sent me this inscrutable survey about my "outage experience"
An email from the power company that says: "Dear JESSICA,

There was a recent outage in your area. If you were affected, we would appreciate your feedback to help us improve our service.

You can begin the survey by answering this question:

Overall, how satisfied are you with SCE's outage experience?" then gives options from 1 - "not at all satisfied" to 10 "extremely satisfied"
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Ryan Haas @ryanjhaas.bsky.social · 09/12/2024
Last month, I fell down an absolutely bizarre rabbit hole trying to figure out who was ripping off articles from Oregon journalists. What I found was identity theft, plagiarism and an absolutely terrifying future for local journalism led by AI scammers. My latest:
opb.org
AI slop is already invading Oregon’s local journalism
The Ashland Daily Tidings — established as a newspaper in 1876 — ceased operations in 2023, but if you were a local reader, you may not have known because of an elaborate scam using artificial intelli...
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Jessica Roy @jessicaroy.bsky.social · 09/12/2024
A Catholic hospital in California's capital declined to treat a woman having a miscarriage at 17 weeks. The couple says they were told to pass the fetus and dispose of it on their own -- "go home and flush your baby down the toilet, essentially" www.union-bulletin.com/news/nationa...
union-bulletin.com
A Catholic hospital sent this risky miscarriage patient home. Did it break California law?
SACRAMENTO, Calif. — Rachel Harrison and Marcell Johnson were elated to have a baby. It would be the first for the couple, who have been together nearly 10 years and
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