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Shares of Insmed (INSM) jumped nearly 30% Tuesday after the biopharmaceutical company reported positive results from a Phase 2 trial for its treatment of pulmonary arterial hypertension.

The Bridgewater, N.J.-based company said the study was “evaluating the efficacy and safety of treprostinil palmitil inhalation powder” in patients with pulmonary arterial hypertension, or PAH, and that the trial “met its primary endpoint and all secondary efficacy endpoints.”

Pulmonary hypertension, which develops when the blood pressure in your lungs is higher than normal, affects about 1% of people globally, per the National Heart, Lung, and Blood Institute.

Insmed said it would “immediately engage with the U.S. Food and Drug Administration (FDA) regarding the Phase 3 trial design for PAH. Insmed plans to initiate a Phase 3 trial in patients with pulmonary hypertension associated with interstitial lung disease before the end of 2025 and a Phase 3 trial in patients with PAH in early 2026.”

The news caused Insmed shares to soar nearly 28% Tuesday afternoon to around $90, their highest level in nearly a quarter century.

Shares of United Therapeutics (UTHR), which makes rival PAH treatments, recently sank almost 14% to about $283, their lowest level since April.

While one in four Americans say they’ve ended a relationship over money problems, America’s youngest adults appear to be charting a different course for managing finances in a committed relationship. Almost half of married Gen Zers (48%) say they created a formal financial plan before saying “I do,” double the average for all generations.

“It is important to talk about expectations for major milestones,” Johanna Peetz, a professor of psychology at Carleton University whose research focuses on money and relationships, told Investopedia. “It might also be helpful to talk about past experiences or how each partner’s family has arranged and handled such milestones.”

For many Gen Z couples, that isn’t just abstract advice—it’s something they’re putting into practice.

Why Gen Z Is Planning Ahead

David Tenerelli, a certified financial planner at Values Added Financial Planning, says the financial pragmatism of today’s young adults didn’t develop in a vacuum—it’s a direct response to the economic chaos that has defined their formative years.

“Some systemic headwinds include the recent spike in housing prices, the higher relative cost of college, and the destabilizing shocks to the global economy resulting from the 2008 financial crisis and COVID-19,” he said. “Some of the personal headwinds include the proliferation of social media and the resulting widespread status orientation, overconsumption, and mental health challenges, or the desire to, in their young adult years, emulate their parents’ affluent lifestyles, which may have taken decades to achieve.”

Peetz noted that what we grow up seeing forms our relationship to money. “Family background informs how we think about money even if we’re not necessarily aware of how our beliefs are shaped by family socialization,” she said.

Interestingly, two thirds of Gen Zers surveyed say they’re more financially dependent on their spouses in some way (66%), compared with just about half of millennials (53%), Gen Xers (51%), and Baby Boomers (49%). That more of them want to have a formal plan in place when tying the knot makes sense, since they’re going to need each other even more than previous cohorts.

The survey data shows Gen Z’s financial conversations are covering crucial territory. They’re addressing debt discussions, spending habits, and long-term goals before marriage becomes legally and financially binding.

“Any behavior practiced over time becomes a habit,” Peetz said. By establishing financial communication patterns early, Gen Z couples may be setting themselves up for continued openness about money throughout their marriages.

Of course, not every financial discussion is easy, and “talking about money might create conflict when two partners disagree,” Peetz said. “But making communication a habit might ensure that these conflicts are likely to be about small solvable issues rather than turn into long-standing entrenched disagreements.”

Peetz can point to her colleagues’ and her own research as evidence for this. One of her recent studies shows that couples who fully combine their finances communicate significantly more about money decisions than those who keep accounts separate. This increased communication pays dividends: “Talking more about small financial issues might prevent those from turning into larger issues,” she said.

The reverse was also true: When people hide more financial information, this tends to create a “mutuality of secretive financial behaviors,” a 2025 study by Peetz and Morgan Joseph found.

The Bottom Line

While Gen Z faces specific financial challenges—from student loans to a competitive housing market—they’re approaching marriage with a level of financial preparation that previous generations largely lacked. Their willingness to have difficult money conversations before walking down the aisle suggests they understand something many couples learn too late: love can’t conquer financial incompatibility, but honest planning might.

The Department of Education said in April it would create a new application process for student loan repayment plans, which have changed multiple times due to various court cases. However, little progress has been made.

When the department announced that it would resume collections on defaulted student loans, it also said it would launch an “enhanced Income-Driven Repayment process” to support struggling borrowers. This new process would simplify enrolling in income-driven repayment plans and eliminate the requirement for borrowers to recertify their income every year.

At the time, the department said it would post more information about the new IDR enrollment process on StudentAid.gov the week of April 28, but Investopedia could not locate that information. The Department of Education would not confirm to Investopedia that it has, in fact, eliminated the recertification process.

However, the department did tell Investopedia that Federal Student Aid now allows borrowers to transfer their tax information from the IRS automatically to their income-driven repayment application, “thus simplifying the application for borrowers.”

The IRS retrieval tool makes it easier for borrowers to apply for income-driven repayment plans and recertify their income, but it is not an entirely new tool. The tool was introduced to income-driven repayment applications in 2023, but was paused in February to conform to a decision from a U.S. appeals court.

A Simpler Application Process Could Help Borrowers Amidst Changing Policies

While the Department of Education hasn’t delivered on most of its promises for a simpler application, constant policy changes have made the repayment process difficult for borrowers.

For example, the department has not eliminated recertification, which borrowers are asked to do yearly. If borrowers miss their recertification date, their payment could increase to the amount they would pay under a standard repayment plan, which would likely be significantly higher.

Additionally, loan servicers have struggled with changing income-driven repayment policies as lawsuits challenge the plans. The back-and-forth policies resulted in servicers having a backlog of over 2 million income-driven repayment applications at the end of April.

It’s also been difficult for many borrowers to resume repayments as changing policies create confusion. Still, the department has already started collecting millions in defaulted loans, and millions of borrowers are at risk of having their tax refunds and wages garnished.

The temptation to plug acronyms in this business—whether you’re an investor, analyst or someone who writes about such things—is powerful. 

How powerful? Sufficiently so that just after we all learned what the “TACO Trade” was, some would have us already moving on to the next multi-letter term. (Meanwhile, some of us are old enough to remember when there was only one “A” in “FANG,” rather than however many there are now.)  

If you’re sure you won’t chicken out, UBS suggests you have a “COW”—short for “Costco (COST), O’Reilly (ORLY) and Walmart (WMT),” referring to shares of the warehouse standout, the auto parts chain, and the retail giant, respectively. That’s its term, to be clear, not ours: Its research note title asks whether it’s “Best to Own the COW.”  

“We think it makes sense to stick with these retail stocks for the foreseeable future,” the analysts wrote Tuesday. “This is because we believe Costco, O’Reilly, and Walmart will lead to steady outperformance over the long-term.”

Their argument boils down to this: That “best-in-class” retailers can provide investors some safety in uncertain times; these companies can benefit from “periods of disruption,” taking share and growing sustainable sales; the businesses have invested in personnel, supply chains and e-commerce; and they have strong moats around their businesses. 

“We see the biggest risk to the performance of these stocks being a significant reduction in interest rates,” they wrote. “In this case, the market might shift  some capital to laggards or the stocks of retailers that might stand to outperform during a period of more robust economic activity.”

UBS has “buy” ratings on all three companies’ shares.  “At  the  end  of  the  day,  we  believe  [the companies]  offer  steady,  solid  performance  regardless  of  the  surrounding  and  are  poised  to  continue  to  grow  and  outperform the broader industry in the long term,” its analysts wrote.

A new survey found that consumers have limits on tariff-related price increases, and these limits could vary by generation.

Six in ten consumers said they wouldn’t pay more than an additional 10% on products impacted by tariffs, according to a survey from e-commerce firm ESW. An even greater majority (70%) said they plan to reduce overall spending once tariffs begin to have an effect. However, the generations are expected to react to tariffs differently.

The report comes as President Donald Trump has placed tariffs on several U.S. trading partners and products, even as some have been adjusted or paused while negotiations take place. Trump has said the move will help reinvigorate U.S. manufacturing and bring in needed tax revenue. However, economists have said that the tariffs could lead to price increases as businesses pass some of the cost of the tariffs onto consumers.

“Rather than alienating customers and risking market share, firms are hoping tariffs are dropped and costs go down,” wrote Moody’s Economist Matt Colyar on Monday. “This is a short-term salve for consumers who have not yet seen broad-based price hikes in response to U.S. trade policy, but firms indicate it will not be sustained long term.”

Older Consumers More Prepared for Tariffs

Younger shoppers were particularly inclined to slow their spending if tariffs push up prices. The survey found that more than three-in-four Millennials, aged 30 to 44, and Gen Zers, aged 18 to 29, said they planned to tighten their belts to combat higher costs from tariffs. 

Gen Z shoppers were the most likely to stock up on goods now before tariffs hit, with electronics and grocery purchases being their highest priorities. Over a quarter of Millennials said they would seek Buy Now, Pay Later services to contend with tariff-induced price increases.

Meanwhile, more than half of Baby Boomers, defined as over the age of 60, are looking to purchase fewer imported goods as a result of tariffs. 

“Our data finds that younger, Gen Z consumers are far more likely than older Boomers to feel unprepared for price hikes, and have already curtailed their spending in anticipation,”  said Eric Eichmann, ESW chief executive officer, in a statement.

Discretionary items are the most likely to be cut from consumers’ budgets if tariffs raise their prices, with 68% saying electronic purchases were the most likely to be skipped, followed by clothing and home goods. Groceries and pet supplies were the items that consumers were most likely to keep buying, regardless of how tariffs impact the prices.

“Price-sensitive consumers, especially Millennials and Gen Z, are quick to reassess purchases that can be delayed or substituted,” the report found.

IBM (IBM) shares hit an all-time high Tuesday as company showcased what it called a “viable path” to building the world’s first large-scale, “fault-tolerant” quantum computer by the end of the decade.

IBM shares edged 1.5% higher Tuesday to close at $276.24, topping a record set just a day earlier. The company’s shares have climbed for eight consecutive sessions, adding roughly one-quarter of their value since the start of the year.

The computer, dubbed IBM Starling, is expected to be capable of performing 20,000 times the operations of quantum computers that exist today, according to IBM. Such a computer could “accelerate time and cost efficiencies in fields such as drug development, materials discovery, chemistry, and optimization,” the company said.

A fault-tolerant computer is able to suppress the errors that can occur as a result of running quantum computing operations, IBM said. Historically, correcting those errors at a large scale has presented engineering challenges. 

IBM laid out milestones along the way to Starling in 2029, including the launch of IBM Quantum Loon later this year, which the company said is meant to test certain architectural components. 

Intel (INTC) shares soared on Tuesday, pacing gains on the S&P 500, as chip stocks rallied amid hopes that curbs on exports to China could be eased.

The gains for chip stocks—the PHLX Semiconductor Index has risen 2% in each of the past two sessions—come as the U.S. and China hold trade talks this week in London, where officials are reportedly discussing restrictions on exports of various products, including rare earth minerals and chips.

Intel shares gained nearly 8% on Tuesday, closing at just above $22. The stock is up about 10% so far in 2025, outpacing the gains of the S&P 500, but has lost nearly 30% of its value over the past 12 months amid uncertainty over the chipmaker’s strategic direction and inability to capitalize on the booming AI chip market. CEO Lip-Bu Tan, who took over the top spot in mid-March, has launched a major restructuring effort.

Below, we take a closer look at Intel’s price and use technical analysis to identify crucial price levels that investors will likely be watching.

Close Above Key Moving Averages

Intel shares have remained rangebound since gapping sharply lower last August. More recently, the stock found buying interest around the lower levels of the trading range, with the price closing above both the 50- and 200-day moving averages on Tuesday.

Importantly, the move higher occurred on the highest daily volume since early April, indicating buying conviction from larger market participants. Moreover, the rally thrust the relative strength index back above its neutral threshold to signal accelerating price momentum.

Let’s identify three crucial overhead areas to watch if the stock continues to trend higher and also locate a major support level worth monitoring during pullbacks.

Crucial Overhead Areas to Watch

It’s initially worth watching the $23 level. This area on the chart may attract selling interest near last month’s swing high during an attempt to reclaim the 200-day MA.

Buying above this level could see the shares rally toward $26. Tactical traders who employ rangebound strategies may seek exit points in this area near three prominent peaks that formed on the chart between November and March, a location that also marks the top of the stock’s multi-month trading range.

A convincing breakout above the trading range could trigger a rapid move to the $33 level. We projected this target by using the measuring principle, a technique that analyzes chart patterns to forecast future price movements. When applying the analysis to Intel’s chart, we calculate the distance of the trading range in points and add that amount to its top trendline. For example, we add $7 to $26, which projects a target of $33, nearly 50% above Tuesday’s closing price.

Major Support Level Worth Monitoring

During pullbacks in the stock, investors should closely monitor the $19 level. Intel shares would likely attract significant support in this location near the trading range’s lower trendline.

The comments, opinions, and analyses expressed on Investopedia are for informational purposes only. Read our warranty and liability disclaimer for more info.

As of the date this article was written, the author does not own any of the above securities.

Buy Now, Pay Later (BNPL) services have been growing in popularity in recent years as a means for consumers to spread out the impact of splurges on things like clothes and electronics. Now, however, BNPL is extending into food, including weekly grocery shopping.

Despite the popularity, BNPL isn’t always a good financial decision. In emergencies, it can be a better option than some other financing options, but the added risk might not be worth it.

What Is Grocery Financing and How Does It Work?

Traditional financing, like using credit cards to pay for groceries, has long existed, but another emerging option is BNPL. This financing service typically involves splitting up the cost of a purchase over time, such as requiring four payments over six weeks. These loans often have no interest charges, though there could be late fees, and some charge initial loan fees. Some of the major BNPL providers include Klarna, Afterpay, Affirm, Zip, and several others.

In recent years, grocery apps like Instacart have started offering BNPL as a payment option, along with food delivery apps like DoorDash. Major multi-platform retailers like Walmart and Amazon have too, as have some traditional retail grocers.

Some BNPL services like Zip don’t even require official partnerships, as the payment is processed like a credit card purchase on the retailer’s end, despite the consumer managing it as a BNPL loan.

Why More Consumers Are Turning to BNPL for Food

The use of BNPL for food purchases is on the rise. According to a LendingTree survey, 25% of BNPL users have used this payment option for groceries, compared to just 14% a year ago.

Part of the increase might be due to the more widespread availability of BNPL payment options and their ease of use. In many cases, you can sign up on the spot at checkout with almost instant approval, vs. going through what’s usually a more involved process to obtain a debit or credit card.

That ease, combined with economic stress like high inflation and high interest rates, could be prompting more consumers to pay for groceries with BNPL. If you’re living paycheck to paycheck, you might prefer or need to spread out the purchase over time. About one-third of BNPL users say that these loans act as bridges until they get paid, according to the LendingTree survey.

The Hidden Risks and Potential Downsides

Although BNPL loans might help some individuals afford groceries, there are many pitfalls to watch out for.

One issue is that BNPL loans can lead to debt creep, where the ease of approval and ability to use different BNPL providers for different purchases quickly leads to you stacking up more debt than you realized. Your budgeting might also get out of sync if what used to be one purchase now gets split into multiple payments over several weeks.

If you do miss BNPL payments, you may face additional fees and possibly a negative credit impact if your debt is sent to collections. Initial loan fees can also make this financing more expensive than necessary.

In comparison, putting all your purchases on one credit card might provide more clarity over debt balance, payment dates, and other key information. Also, traditional credit and debit cards might come with more consumer protections, such as around merchant disputes or payment terms. 

When It Might Make Sense—And When to Avoid It

Using BNPL for groceries might make sense in situations such as:

• You have a short-term cash crunch and need more time
• You want to relieve financial stress by spreading out a big purchase
• You want to optimize cash flow, based on a history of always paying all your bills on time

You also might want to avoid BNPL if you:

• Regularly need to use these loans to make ends meet, which suggests a deeper problem that needs to be addressed
• Have multiple BNPL loans already and it would be hard to juggle more
• Have other debt or budget challenges, which a new BNPL loan could further complicate

Smarter Alternatives to Financing Food

Instead of using BNPL for groceries, consider alternatives that might save you money in the long run, like:

• Using budgeting tools to carefully manage spending so you have enough set aside for food each week
• Doing meal planning or strategic shopping to lower your grocery bill, e.g., swapping out preferred brands for whatever’s on sale
• Utilizing local food banks or other assistance programs to help you make ends meet, without adding debt

The Bottom Line: Convenience Now, Cost Later?

Although using BNPL for groceries might stretch your paycheck and lighten your current load, it can add complexity that increases costs later, such as late fees if you do not have enough to pay future installments by the due dates. Ultimately, BNPL is a financial tool. Like all tools, it can be helpful if used skillfully but dangerous in the wrong hands.

GameStop (GME) shares fell in extended trading Tuesday as the retailer’s quarterly revenue declined.

The video game retailer’s revenue dropped 17% year-over-year to $732.4 million. The company swung to an adjusted profit of $83.1 million, or 17 cents per share, from a loss of $36.7 million, or 12 cents per share, a year ago. However, adjusted earnings were down from the $136.4 million, or 30 cents per share, GameStop reported a quarter earlier.

GameStop shares slid about 5% in after-hours trading. The stock was down 4% for 2025 through Tuesday’s close.

GameStop also said it has not bought any additional bitcoin (BTCUSD) since last month it disclosed the purchase of 4,710 bitcoin. The company did not reveal the purchase price at the time, but that amount of the cryptocurrency would be worth nearly $516 million at its recent price near $109,500. In March, GameStop said it was planning to issue $1.3 billion in convertible bonds for “general corporate purposes,” including buying bitcoin.