Cardiff Garcia

U.S. Alphaville Editor, Financial Times

Cardiff Garcia appears in the following:


Tuesday, June 12, 2018

The Congressional Budget Office has a long history of disputes with the White House, including the current administration. But the first-ever director of the CBO says this time is different.


Let Them Eat Marshmallows

Monday, June 11, 2018

The marshmallow test is one of the most famous social experiments of all time, but we may be thinking about it all wrong.


Positively 23rd Street

Friday, June 08, 2018

Why is one of the busiest blocks in Manhattan littered with empty storefronts? And what does that say about the changing landscape of American retail?


Would You Give Up Some Widely Used Features On The Internet?

Friday, June 08, 2018

How about online maps, social media, Web searching, email or video streaming? Many of these services are largely free to use, so it can be hard to assess exactly how much users think they're worth.


When Retirement Advice Goes Viral

Thursday, June 07, 2018

So how much should you have saved for retirement? We wanted to know, so we asked the guy who invented the 401k.


Social Insecurity

Wednesday, June 06, 2018

Social Security has traditionally paid for itself, with money leftover. Until this year. Social Security has a funding problem and it's getting bad quickly.


Do You Have $400?

Tuesday, June 05, 2018

Unemployment is low, wage growth is picking up, the stock market is strong; by most measures the economy is doing pretty well. And yet, millions of Americans live on the edge of financial ruin.


Internet a la Carte

Thursday, May 31, 2018

A new study tries to put a dollar amount on free internet services... by looking at how much money it would take for people to give them up.


Money For Moms

Wednesday, May 30, 2018

After six years of preparation, an ambitious new experiment will study the effects of income on the development of infant brains.


Banking's Regulation Rollback

Tuesday, May 29, 2018

Last week, Congress and President Trump passed a bill rolling back regulation put in place by the 2010 Dodd Frank banking reform bill. We look at what changed and what it means.


Earnings Calls Gone Wild

Friday, May 25, 2018

The earnings call is a peculiar Wall Street ritual, one that's almost designed to be boring. So when something interesting does happen it's news. Today, the lessons of those earnings calls gone rogue.


The Money Detectives

Thursday, May 24, 2018

Recent news has cast a spotlight on a little-known regulatory agency quietly working behind the scenes of our economy. What is FinCEN and why is it so important?


Most Inane Deduction?

Wednesday, May 23, 2018

The mortgage interest deduction is popular, but it has numerous distorting effects on the economy – and economists also say that it does exactly the opposite of what people think.


Stacey And Cardiff Take On The Commencement Speech

Monday, May 21, 2018

Congrats, Class of 2018! Rather than listen to another meandering cliche-riddled commencement speech, let Stacey and Cardiff guide you through young-adult life with advice backed up by research.


Time Bandits

Friday, May 18, 2018

Timekeeping software is becoming the standard across the U.S. And it turns out, it can be used to steal workers' wages, a few minutes at a time.


SNAP Back To Reality

Thursday, May 17, 2018

Congress may soon expand work requirements for people who receive benefits under the Supplemental Nutrition Assistance Program. But do these work requirements match the reality of work itself?


All Bets Are On

Wednesday, May 16, 2018

Thanks to a recent Supreme Court decision, legal sports betting may be coming to a city near you.


Rising Rates Vs. The Housing Market

Tuesday, May 15, 2018

Interest rates are on the rise for the first time in years. What that means for the housing market is far from obvious.


The Semiconductor Standoff

Monday, May 14, 2018

What one embattled smartphone-maker can tell us about China's plan to transform its economy


In Vino, Veritas by Numbers

Friday, May 11, 2018

Assigning a grade to a bottle of wine might seem counterintuitive, or even a little absurd, but wine scores have can have a big impact the people who sell wine — and the people who drink it.