Readers worried after Mr. Musk and his team were given access to federal payment systems. Here’s how to back up all your data and documents.

© Jon Han

Dozens of schools say they provide free tuition to students whose families earn under a certain income. How does it work?

© Charles Krupa/Associated Press

Older Americans have ways to protect against high out-of-pocket health care costs, but it’s important to understand the trade-offs.

© Jeremy Nguyen