Neil Freiman

As I mentioned, the tax law came into effect halfway through last year, and companies said it would be too complicated to calculate the amount available to each worker for the entirety of 2025.

So without employer cooperation,

It could be the case that many people are claiming the overtime deduction who aren't eligible for it.

Either way, Toby, a surprise winner of tax season, overtime.

years.

My next number is for anyone considering grad school.

In some areas, it's absolutely worth the cost, but in many others, including some of the most popular programs, it has a negligible impact on your future career earnings.

A new report released by American University's Postsecondary Education and Economics Research found that you get the most bang for your buck in grad degrees relating to medicine, law, and pharmacy.

A medical doctorate, for instance, can expect their lifetime earnings to nearly triple, while a pharmacy doctorate's earnings are expected to jump by two-thirds.

But as the Washington Post reports, the advantage of going to grad school evaporates in other disciplines when accounting for the time and cost of going to school.

Grad degrees in architecture and some types of engineering only saw a small increase in their lifetime earnings, while there were no gains and sometimes even negative ones for degrees in psychology, social work and curriculum and instruction.

Toby, of course, a lot of people go to grad school not to secure a more lucrative career.

There's other reasons, and many others get financial aid that reduce expenses.

Still, the study should serve as a warning to do your research before taking the grad school plunge.

For my final number, do you find yourself a little more distracted as a driver when there's new music you're itching to listen to?

There's new evidence you absolutely are a worse driver.

A new study has drawn a link between increased music streaming and driving deaths.

In a working paper, researchers affiliated with Harvard Medical School found a link between the release days of the most streamed albums and an increase in US traffic fatalities.

To study distracted driving, the researchers looked at the release dates of the 10 most streamed albums between 2017 and 2022, which includes records from Taylor Swift, Drake, Bad Bunny and Kendrick Lamar.

They found that on those album release days, music streaming on Spotify jumps by almost 40% and U.S.