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Americans shelled out $103 billion on state lottery tickets in 2023 and earned a prize payout of $69 billion. Does that make playing the lottery a good investment?

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Jack Caporal

Jack Caporal

Research Director

Jack Caporal is the Research Director for The Motley Fool and Motley Fool Money and has worked full-time for the company since 2021. Jack leads efforts to identify and analyze trends shaping investing and personal financial decisions across the United States. His research has appeared in thousands of media outlets including Harvard Business Review, The New York Times, Bloomberg, and CNBC, and has been cited in congressional testimony. He previously covered business and economic trends as a reporter and policy analyst in Washington, D.C. He serves as Chair of the Trade Policy Committee at the World Trade Center in Denver, Colorado. He holds a B.A. degree in International Relations with a concentration in International Economics from Michigan State University.

Expertise

Data collection, analysis, and visualization; consumer research & insights; financial education

Past Experience

Reporter and Policy Analyst

Joel O'Leary

Joel O'Leary

Full-Time Personal Finance Writer

Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.

Expertise

Credit cards, banking, investing, insurance, personal loans

Past Experience

Writer & Editor, How To Money
Resident Blogger, Budgets Are Sexy

Recent Research

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March 17, 2026 | By Jack Caporal

Average Savings Account Interest Rate in March 2026

The national average savings account interest rate is 0.39% APY as of February 2026, per FDIC data. See how rates have changed and where to find a better rate.
March 17, 2026 | By Jack Caporal

The Average Checking Account Interest Rate in March 2026

The national average checking account interest rate is 0.07% APY as of February 2026, per FDIC data. See how rates compare and where to find a better rate.
March 11, 2026 | By Jack Caporal

Average American Credit Card Debt Heading Into 2026

Credit card debt totaled $1.28 trillion as of the fourth quarter of 2025. Read on for more credit card debt statistics and trends.
March 10, 2026 | By Jack Caporal

Average Credit Card Interest Rate in March 2026

The average credit card interest rate is 20.97% APR as of November 2025, per Federal Reserve data. See how rates are set and what they mean for carrying a balance.
March 9, 2026 | By Jack Caporal

Americans Spend 13x More Time Scrubbing Toilets Than on Financial Planning. Here's the Fix.

Only 2.7% of Americans do financial planning on any given day -- and spend less time on it than it takes to brew coffee. Here's how to change that.