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The average credit score in America is 715. Find out how yours compares in this full report by Motley Fool Money.

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Explore wasteful spending statistics revealing how Americans overspend, like frequent DoorDash orders and impulse buys, across generations.

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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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Subject Matter Experts

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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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Aug. 25, 2025 | By Jack Caporal

How Many Americans Own Certificates of Deposits?

Only 6.5% of Americans own CDs, with a median value of $26,000. Explore CD ownership statistics by age, income, and race, plus today's best CD rates.
Aug. 1, 2025 | By Jack Caporal

Credit Card Rewards Statistics: Who Earns the Most Points?

Americans earned $41 billion in credit card rewards in 2022, but left $6 billion unredeemed. See who earns the most, who forfeits the most, and how credit score impacts rewards.
July 31, 2025 | By Jack Caporal

Credit Card Late Fee Statistics: Who Pays Most Often?

Credit card late fees cost Americans $14.5 billion in 2022. Younger, low-income, and subprime borrowers are hit hardest. See who pays and how to avoid fees.
July 29, 2025 | By Jack Caporal

How Many Americans Have a Credit Card With An Annual Fee?

19% of Americans use a credit card with an annual fee, rising to 24% for millennials and 30% for high earners, Federal Reserve data shows.
June 16, 2025 | By Jack Caporal

The Median Monthly Mortgage Payment in 2025 by State, City, and More

The median monthly mortgage payment is $2,100 -- read on for mortgage payment statistics by city, state, income, and more.