excellent morning! It’s Daniel de Visé with your Daily Money.

When it comes to holiday shopping, if you’re on period, you might already be too late.

Many retail stores have started preparing for holidays earlier than ever: Halloween items hit shelves as early as August, with Christmas and Hanukkah decorations popping up in October, or even September, Felecia Wellington Radel reports.

If consumers wait too long to make holiday purchases, they may discover stores have moved on to the next large occurrence.

You’ve heard of customers suing a financial institution, but. . .

Here’s a variant on the ancient “man bites dog” narrative.

JPMorgan Chase, the budgetary institution, has begun suing customers who are alleged to have stolen hundreds of thousands of dollars by taking advantage of a technical glitch that allowed them to capital fraudulent checks and then quickly withdraw large sums of liquid assets from ATMs.

The “infinite money” glitch went viral on TikTok and other social media platforms in late August, showing people depositing checks and then immediately withdrawing “free” money before the check cleared, Max Hauptman reports.

On Monday, the financial institution filed lawsuits in three federal courts against two people and two businesses, alleging that they collectively withdrew almost $662,000.

📰 More stories you shouldn’t miss 📰

• Candidates propose housing crisis fixes
• Will McDonald’s stake worth suffer from outbreak?
• More travelers are getting a “sleep divorce”
• Is paying a budgetary advisor worth it?
• profit rate approximate for 2025

📰 A great read 📰

Finally, here’s a popular narrative from earlier this year that you may have missed. Read it! distribute it!

A recent survey from a global property firm uncovered a rare point on which Republicans and Democrats seem to consent: America faces a retirement fund reserves crisis. 

Only about half of American households have retirement fund reserves accounts. The Social safety program may soon run short of money, and those benefits were never meant to cover the packed costs of retirement fund. 

In an August survey, BlackRock asked 1,000 registered voters for their thoughts on retirement fund safety in America. The responses transcended event lines. 

About The Daily Money

Each weekday, The Daily Money delivers the best buyer and budgetary information from USA TODAY, breaking down complicated events, providing the TLDR version, and explaining how everything from Fed rate changes to bankruptcies impacts you.

Daniel de Visé covers money management for USA Today.