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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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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

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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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| By Motley Fool Money Staff

Study: When Does the Average American Get Their First Credit Card?

The average American gets their first credit card at the age of 20, and here’s the impact.

Study: Generational Credit Card Habits

The Motley Fool Motley Fool Money surveyed 2,000 Americans on their credit card habits and found some generational differences. Find out if they apply to you.

Americans' Top Financial Priorities in the 2024 Presidential Election

We asked 2,000 Americans what their top financial priorities are heading into the 2024 election. Inflation was top of mind. Read on for more findings.
| By Lyle Daly

COVID-19 Fraud Statistics: Over $480 Million in Losses and Counting

COVID-19 and stimulus check fraud is a growing problem. Americans have already lost over $100 million. These fraud statistics show the scope of the issue.
| By Amy Fontinelle

Renters in These States Are Getting Hit Hard by the Pandemic Economy

The COVID-19 pandemic has affected nearly everyone, but renters are having an especially difficult time. Read on for the 12 states where the situation is worst.