EAST LANSING — When Michigan State banned alcohol at Munn Field tailgates in 1998, the decision frustrated students so much as to lead to rioting. Two decades later, tailgating on the field was banned completely. Now, a Michigan State gameday tradition is back in action.

Michigan State athletics announced Monday morning that Munn Field will host food and alcohol vendors for the 2025 season, which begins Friday with a 7 p.m. kickoff against Western Michigan.

“We’re excited to introduce The Munn Tailgate as a pregame destination for Spartans of all ages,” athletic director J Batt said in a statement circulated by MSU Athletics. “Gameday traditions, including tailgating and the pregame experience, are an important part of what makes Michigan State football gamedays special. I’m confident The Munn Tailgate will quickly become a pregame tradition for many, providing food, drinks and fun for the entire family, and adding to the energy around Spartan Stadium.”

Batt was brought in this June as the first external hire at athletic director in more than 30 years, with a string of predecessors opting to limit tailgating, at the very least those furnished with alcohol, on campus sites. It took less than three months for Batt, a known revenue generator, to make a shockwave.

Munn tailgates were beloved among those alumni who attended Michigan State during its heyday. Couches and kegs were common accessories, with fans gathering at the field that’s located south of Munn Ice Arena and a stone’s throw to the southwest of Spartan Stadium.

In 1994, Michigan State banned kegs on Munn Field but allowed bottled and canned alcohol on site. That lasted until 1998, when alcohol was banned in its entirety. The decision caused uproar among students, leading to rioting on campus in May 1998. Police officers used tear gas to disperse students when the protest flowed onto Grand River Avenue in East Lansing, where they caused property damage. By 2018, all tailgating on the field was ceased.

This season’s Munn tailgates are far more controlled than their predecessors of yesteryear. The 517 Beer Garden will host multiple alcohol and food vendors for fans to access. Service begins four hours before kickoff and ends 30 minutes before the start of games. Fans looking to access the field will need a pass from the MSU athletic department.

“Counting on a record-sized student section this coming Friday to add to our energy and create a home-field advantage,” Michigan State football coach Jonathan Smith said Monday. “… Some unique, cool things at the tailgate at Munn Field that’s going to take place on Friday. So just a lot going on to add to the excitement of this particular game and this season.”

Martinez, Ahmetbasic game-time decisions

Safety Nikai Martinez and kicker Tarik Ahmetbasic — two of Michigan State’s starters — are injured heading into the season, and they’ll be game-time decisions Friday.

Depth behind Martinez softens the blow, including returners Malik Spencer, Justin Denson Jr. and Armorion Smith in addition to Bowling Green standout Tracy Revels. Michigan State plans to rotate defensive backs anyway, with a lot of different players auditioning in live reps for more secure spots later in the season.

It’s a little thinner at kicker, where the Spartans will utilize third-stringer Blake Sislo, a redshirt senior from Dexter who transferred from GLIAC school Davenport and has never kicked in a game.

Last year, the Spartans could turn to Jonathan Kim for its kicking needs, the transfer’s leg scoring 79 out of 232 points. Not having that kind of reliability at a key position creates some difficulties, especially when the offense struggled in the red zone a year ago and ranked 115th with a 75.7% conversion rate.

“Big old leg, extremely high confidence. Yeah, that changes your approach,” Smith said. “You get into the high red zone, we’ll call it, I don’t know, the 30- 40-yard line. And his distance, he had a big leg. And so depending on who’s our kicker this week will, we’ll call it impact, decision making and play calling on offense.”

At long snapper, Kaden Schickel continues to progress from his season-ending knee injury last season. He wasn’t active much in fall camp, and Smith said he expects Hudsonville true freshman long snapper Jack Wills to be the backup.

Not all of the injury news was bad. Jack Velling, the starting tight end, spent most of fall camp out of his pads with an injury. Smith expects him to be good to go for Friday, having been a full participant in recent practices.

WMU QB battle complicates prep

Michigan State didn’t have to worry much about who its quarterback will be this season with Aidan Chiles back for a second year as its starter. Its opponent, though, is still figuring out who’s going to be under center.

The competition is down to returner Broc Lowry and JUCO transfer Brady Jones, but Western Michigan’s quarterback duel is still undecided as of Monday. That poses some interesting wrinkles for Michigan State’s game prep.

“Prepared for both,” Smith said. “We can look at junior college tape, and we’ve done some of that. Obviously it’s a little bit of tape on the other one and the competition.”

Lowry played in 11 games last season as a redshirt freshman and threw for 21 yards on 4-for-8 completions. He really made his mark as a scrambler, rushing for 129 yards and three touchdowns on 24 attempts.

Jones is far more experienced, throwing for 4,456 yards and 44 touchdowns on 64% completion at Riverside Community College in California. His season ended in a 37-35 loss to Mt. San Antonio in the Southern California Football Association championship, throwing for 331 yards and a touchdown in the game.

Western Michigan coach Lance Taylor said Monday that both quarterbacks will play in Friday’s game, with a plan to split series and evaluate who may be the full-time starter the rest of the season.

“I think each one of them possesses something that we can use and that gives our offense a different edge,” Taylor said. “And so as we go into Week 1, we want to continue to evaluate that competition with live game, with live reps and really evaluate it as we go into the game.”

“I think both of them have unique skill sets,” Smith said. “One of them may be a little bit more physical, athletic, can run. The other one has thrown the ball for thousands of yards. So we’re prepared for both.”

DETROIT ― Following weeks of uncertainty surrounding the future of the Michigan Panthers, including speculation about possible relocation out of the state, the United Football League’s new co-owner said Monday that he’s “trying” to find a solution that could keep the Panthers from moving.

Mike Repole, who joined the ownership group of the UFL at the end of July, posted on X on Monday that the Panthers’ current venue, Ford Field, is the biggest obstacle for the franchise, and said he is monitoring the situation with Detroit City FC’s new stadium as a potential solution down the road.

Detroit City FC is spending $150 million to build a 15,000-seat stadium, which is scheduled to open in southwest Detroit in 2027. The soccer club released renderings and the stadium’s name earlier this month.

“I’m a big fan of Michigan Panthers and the @USFLPanthers,” Repole wrote on X on Monday night, in response to a fan asking about the future of the franchise. “Attendance was up this season but the venue remains the biggest obstacle in the market. Michigan is a passionate football state with a loyal fan base, but the current stadium options create too many challenges.

“That’s why I keep coming back to AlumniFi Field (the new DCFC stadium). I need more info. This is the exact type of venue I have in mind for the future of the (UFL). I’m trying.”

Messages to Detroit City FC officials weren’t immediately returned Monday.

The Panthers have played at Ford Field, also home of the Detroit Lions, for the last three seasons, first as part of the United States Football League, and then as part of the UFL created by the merger of the USFL and XFL. The Panthers survived the merger, which made an eight-team league out of 16 teams from the previous two leagues.

The ownership group of the old USFL liked the prestige of playing at Ford Field; it gave the league some credibility. But the challenges are numerous, including the game-day cost for the league, which is reported to be among the most expensive in the league, if not the most expensive. The optics are another issue. Even though Panthers attendance has been among the best in the league, and has been increasing, that still leaves a lot of empty seats in 65,000-seat Ford Field, which doesn’t look great on television.

The Panthers drew more than 10,000 fans for four of its five home games in 2025, including 16,014 for its last home game, which was Jake Bates bobblehead day. They averaged almost 11,681 fans per home game in 2025, making Michigan the only UFL team to see an increase in attendance last season.

Yet, there have been reports and speculation about the future of the Panthers, whose roots date to the early 1980s and the old UFL. Panthers general manager Steve Kazor and head coach Mike Nolan, among the only remaining employees with the franchise after ticket and marking staff was let go after the season, said they have heard nothing definitive yet about the Panthers’ future. The UFL has declined to make Repole available to The News.

Michigan Panthers fans have started petitions to keep the franchise, and they hope to see the same fate as the Birmingham Stallions, who also were reportedly on the chopping block but have now been confirmed for play in 2025.

The UFL has confirmed at least one new city will be hosting a team in 2025, in Columbus, Ohio. The league website continues to list the eight franchises from 2024, including Michigan.

The Panthers went 6-4 in the regular season in 2025, before losing in the UFL championship game.

Relope, 56, who has a strong background in branding and marketing and also co-founded multiple beverages that sold to Coca-Cola for a combined $10 billion, joined the UFL ownership group that also includes Dwayne “The Rock” Johnson, Fox, Redbird Capital Partners and Dany Garcia. He’s been tasked to get more fans in the stands and eyes on the broadcasts for a league that’s already bucked the odds in lasting longer than most attempts at launching pro spring football leagues. TV ratings also were down 20% in 2025, from 2024, despite airing on ESPN and Fox platforms.

The product on the field has caught the attention of the NFL, though, with hundreds of UFL players signing some level of contract with NFL teams, 67 this year alone, including Panthers quarterback Bryce Perkins. The MVP in the UFL in 2025, Perkins signed with the Carolina Panthers. Bates is one of the UFL’s best success stories, becoming the Lions’ starting kicker in 2024, after he went viral earlier in the year with his booming kicks for the Panthers at Ford Field.

Today is Tuesday, Aug. 26, the 238th day of 2025. There are 127 days left in the year.

Today in history:

On Aug. 26, 1985, 13-year-old AIDS patient Ryan White began “attending” classes at Western Middle School in Kokomo, Indiana via a telephone hook-up at his home, as school officials had barred White from attending classes in person due to his illness.

Also on this date:

In 1939, the first televised major league baseball games were broadcast on experimental station W2XBS: a doubleheader between the Cincinnati Reds and the Brooklyn Dodgers at Ebbets Field. The Reds won the first game, 5-2, and the Dodgers the second, 6-1.

In 1944, French Gen. Charles de Gaulle braved the threat of German snipers as he led a victory march in Paris, which had just been liberated by the Allies from Nazi occupation.

In 1958, Alaskans went to the polls to overwhelmingly vote in favor of statehood.

In 1968, the Democratic National Convention opened in Chicago; the four-day event that resulted in the nomination of Hubert H. Humphrey for president was marked by a bloody police crackdown on antiwar protesters in the streets.

In 1972, the summer Olympics opened in Munich, West Germany.

In 1978, Cardinal Albino Luciani (al-BEE’-noh loo-CHYAH’-nee) of Venice was elected pope following the death of Paul VI. The new pontiff, who took the name Pope John Paul I, died just over a month later.

In 1980, the FBI inadvertently detonated a bomb planted at Harvey’s Resort Hotel in Stateline, Nevada, while attempting to disarm it. (The hotel had been evacuated and no injuries were reported but the blast caused significant damage.)

In 2009, kidnapping victim Jaycee Dugard was discovered alive in California after being missing for more than 18 years.

In 2022, an affidavit released by the FBI showed that 14 of the 15 boxes recovered from former President Donald Trump’s Florida estate contained classified documents, many of them top secret, mixed in with miscellaneous newspapers, magazines and personal correspondence.

Today’s Birthdays:

• Former Homeland Security Secretary Tom Ridge is 80.
• R&B singer Valerie Simpson (Ashford & Simpson) is 79.
• Broadcast journalist Bill Whitaker is 74.
• Puzzle creator/editor Will Shortz is 73.
• Jazz musician Branford Marsalis is 65.
• Actor-singer Shirley Manson (Garbage) is 59.
• Actor Melissa McCarthy is 55.
• Latin pop singer Thalia is 54.
• Actor Macaulay Culkin is 45.
• Actor Chris Pine is 45.
• Comedian/actor/writer John Mulaney is 43.
• Country musician Brian Kelley (Florida Georgia Line) is 40.
• NBA guard James Harden is 36.
• Actor Dylan O’Brien is 34. Actor Keke Palmer is 32.

SACRAMENTO, Calif. (AP) — Shea Langeliers hit his second career grand slam and Colby Thomas added a solo homer — all in a five-run seventh inning — as the Athletics rallied to beat the Detroit Tigers 8-3 on Monday night.

Langeliers was 0 for 8 with the bases loaded this season before his 450-foot shot over the left-field wall. It was the first grand slam allowed in Detroit ace Tarik Skubal’s career.

Skubal was in full control through six innings before running into trouble in the seventh. Thomas opened the inning with a homer and the Athletics had two straight hits and then an error, loading the bases. Skubal got back-to-back strikeouts before Langeliers’ blast gave the A’s a 6-3 lead.

Rookie Nick Kurtz added his 27th home run of the season in the eighth — the first of his career as a pinch hitter.

The Athletics have won six straight games against left-handed starters.

Skubal (11-4) allowed six runs, one earned, in 6 2/3 innings. He struck out 12 in his 10th game this season with double-digit strikeouts, moving within one of tying the club’s single-season record held by Mickey Lolich (11) since 1971.

Detroit, coming off a 5-1 homestand, lost for just the fifth time in 17 games dating to Aug. 8.

The Tigers opened the scoring with three runs in the sixth. Gleyber Torres hit a solo home run and Wenceel Perez found the gap in right-center field to drive home two for a 3-0 lead.

Key moment

Athletics reliever Michael Kelly (4-2) got Perez to pop out with the bases loaded to end the top of the seventh. Then Thomas led off the bottom half with a solo home run to get the A’s within 3-2.

Key stat

Detroit entered 55-15 when scoring first.

By CHRIS RUGABER and WILL WEISSERT, Associated Press

WASHINGTON (AP) — President Donald Trump said Monday night that he’s firing Federal Reserve Governor Lisa Cook, an unprecedented move that would constitute a sharp escalation in his battle to exert greater control over what has long been considered an institution independent from day-to-day politics.

Trump said in a letter posted on his Truth Social platform that he is removing Cook effective immediately because of allegations that she committed mortgage fraud. Bill Pulte, a Trump appointee to the agency that regulates mortgage giants Fannie Mae and Freddie Mac, made the accusations last week.

Cook said Monday night that she would not step down. “President Trump purported to fire me ‘for cause’ when no cause exists under the law, and he has no authority to do so,” she said in an emailed statement. “I will not resign.”

Pulte alleged that Cook had claimed two primary residences — in Ann Arbor, Michigan, and Atlanta — in 2021 to get better mortgage terms. Mortgage rates are often higher on second homes or those purchased to rent.

Trump’s move is likely to touch off an extensive legal battle that will probably go to the Supreme Court and could disrupt financial markets, potentially pushing interest rates higher. Stock futures declined slightly late Monday, as did the dollar against other major currencies.

If Trump succeeds in removing Cook from the board, it could erode the Fed’s political independence, which is considered critical to its ability to fight inflation because it enables it to take unpopular steps like raising interest rates. If bond investors start to lose faith that the Fed will be able to control inflation, they will demand higher rates to own bonds, pushing up borrowing costs for mortgages, car loans and business loans.

Cook has retained Abbe Lowell, a prominent Washington attorney. Lowell said Trump’s “reflex to bully is flawed and his demands lack any proper process, basis or legal authority,” adding, “We will take whatever actions are needed to prevent his attempted illegal action.”

Cook was appointed to the Fed’s board by then-President Joe Biden in 2022 and is the first Black woman to serve as a governor. She was a Marshall Scholar and received degrees from Oxford University and Spelman College, and she has taught at Michigan State University and Harvard University’s Kennedy School of Government.

Her nomination was opposed by most Senate Republicans, and she was approved on a 50-50 vote with the tie broken by then-Vice President Kamala Harris.

Questions about ‘for cause’ firing

The law allows a president to fire a Fed governor “for cause,” which typically means for some kind of wrongdoing or dereliction of duty. The president cannot fire a governor simply because of differences over interest rate policy.

Establishing a for-cause removal typically requires some type of proceeding that would allow Cook to answer the charges and present evidence, legal experts say, which hasn’t happened in this case.

“This is a procedurally invalid removal under the statute,” said Lev Menand, a law professor at Columbia law school and author of “The Fed Unbound,” a book about the Fed’s actions during the COVID-19 pandemic.

Menand also said for-cause firings are typically related to misconduct while in office, rather than based on private misconduct from before an official’s appointment.

“This is not someone convicted of a crime,” Menand said. “This is not someone who is not carrying out their duties.”

Fed governors vote on the central bank’s interest rate decisions and on issues of financial regulation. While they are appointed by the president and confirmed by the Senate, they are not like cabinet secretaries, who serve at the pleasure of the president. They serve 14-year terms that are staggered in an effort to insulate the Fed from political influence.

No presidential precedent

While some presidents have pushed out Fed chairs before, no president has sought to fire a Fed governor. In recent decades, presidents of both parties have largely respected Fed independence, though Richard Nixon and Lyndon Johnson put heavy pressure on the Fed during their presidencies — mostly behind closed doors. Still, that behind-the-scenes pressure to keep interest rates low, the same goal sought by Trump, has widely been blamed for touching off rampant inflation in the late 1960s and ’70s.

President Harry Truman pushed Thomas McCabe to step down from his position as Fed chair in 1951, though that occurred behind the scenes.

The Supreme Court signaled in a recent decision that Fed officials have greater legal protections from firing than other independent agencies, but it’s not clear if that extends to this case.

Menand noted that the Court’s conservative majority has taken a very expansive view of presidential power, saying, “We’re in uncharted waters in a sense that it’s very difficult to predict that if Lisa Cook goes to court what will happen.”

Sarah Binder, a senior fellow at the Brookings Institution, said the president’s use of the “for cause” provision is likely an effort to mask his true intent. “It seems like a fig leaf to get what we wants, which is muscling someone on the board to lower rates,” she said.

A fight over interest rates

Trump has said he would only appoint Fed officials who would support lower borrowing costs. He recently named Stephen Miran, a top White House economic adviser, to replace another governor, Adriana Kugler, who stepped down about five months before her term officially ended Aug. 1.

Trump appointed two governors in his first term, Christopher Waller and Michelle Bowman, so replacing Cook would give Trump appointees a 4-3 majority on the Fed’s board.

“The American people must have the full confidence in the honesty of the members entrusted with setting policy and overseeing the Federal Reserve,” Trump wrote in a letter addressed to Cook, a copy of which he posted online. “In light of your deceitful and potentially criminal conduct in a financial matter, they cannot and I do not have such confidence in your integrity.”

Trump argued that firing Cook was constitutional. “I have determined that faithfully enacting the law requires your immediate removal from office,” the president wrote.

Cook will have to fight the legal battle herself, as the injured party, rather than the Fed.

Trump’s announcement drew swift rebuke from advocates and former Fed officials.

Sen. Elizabeth Warren, D-Mass., called Trump’s attempt to fire Cook illegal, “the latest example of a desperate President searching for a scapegoat to cover for his own failure to lower costs for Americans. It’s an authoritarian power grab that blatantly violates the Federal Reserve Act, and must be overturned in court.”

Trump has repeatedly attacked the Fed’s chair, Jerome Powell, for not cutting its short-term interest rate, and even threatened to fire him.

Forcing Cook off the Fed’s governing board would provide Trump an opportunity to appoint a loyalist. Trump has said he would only appoint officials who would support cutting rates.

Powell signaled last week that the Fed may cut rates soon even as inflation risks remain moderate. Meanwhile, Trump will be able to replace Powell in May 2026, when Powell’s term expires. However, 12 members of the Fed’s interest-rate setting committee have a vote on whether to raise or lower interest rates, so even replacing the chair might not guarantee that Fed policy will shift the way Trump wants.

Associated Press writer Fatima Hussein contributed.

By WILL WEISSERT

WASHINGTON (AP) — President Donald Trump on Monday marked the fourth anniversary of the suicide bombing that killed 13 U.S. service members during the chaotic withdrawal at the end of the Afghanistan War by signing a proclamation honoring the fallen.

Surrounded by about 35 family members of those killed, including one wearing a “Make America Great Again” cap, Trump used the somber occasion to decry his predecessor, Democratic President Joe Biden, for allowing the attack to happen.

Tuesday is the anniversary of the bombing that also killed more than 100 Afghans at Abbey Gate outside the Kabul airport on Aug. 26, 2021. Trump called it “one of the dumbest days in the history of our country by the previous administration.”

“That was a terrible day,” Trump said. “And I think it was the worst day, and in many ways the most embarrassing day, in the history of our country.”

Biden’s White House was following a withdrawal commitment and timeline that the Trump administration had negotiated with the Taliban in 2020. A 2022 review by a government-appointed special investigator concluded decisions made by both Trump and Biden were the key factors leading to the rapid collapse of Afghanistan’s military and the Taliban takeover.

Trump made the suicide bombing and Biden’s handling of it a frequent topic as he campaigned for president. The relatives of some of the U.S. service members killed also appeared on stage at the Republican National Convention in July 2024.

On the third anniversary of the attack, Trump was invited by family members of some suicide bombing victims to Arlington National Cemetery’s Section 60, a hallowed section where U.S. forces killed in the Iraq and Afghanistan wars are buried.

That became a flashpoint after a staffer from Trump’s campaign reportedly shoved a cemetery employee who was trying to prevent the photographing of a ceremony honoring the service members killed in the Afghanistan War withdrawal. Federal law prohibits campaign or election-related activities within Army national military cemeteries.

In a statement marking the third anniversary of the attack, Biden called the 13 Americans who died “patriots in the highest sense” who “embodied the very best of who we are as a nation: brave, committed, selfless.”

“Ever since I became Vice President, I carried a card with me every day that listed the exact number of American service members who were killed in Iraq and Afghanistan — including Taylor, Johanny, Nicole, Hunter, Daegan, Humberto, David, Jared, Rylee, Dylan, Kareem, Maxton, and Ryan,” Biden said in a statement in August 2024.

Also on hand for Monday’s proclamation signing were Defense Secretary Pete Hegseth and Vice President JD Vance, who told victims’ relatives that Trump’s action was “a rectification of a wrong” because Biden “lost your loved ones through incompetence” and his government “never actually put pen to paper to say we’re grateful for your sacrifice.”

Trump has ordered a new Defense Department review of what occurred during the withdrawal of U.S. forces, and Hegseth said he expected that to be complete by the middle of next year.

“The military needs to answer for what happened in Afghanistan,” Hegseth said.

By KONSTANTIN TOROPIN

WASHINGTON (AP) — Adm. Daryl Caudle took over as the Navy’s highest-ranking officer Monday, ending a six-month vacancy created by the Trump administration’s firing of his predecessor.

Caudle became chief of naval operations as Defense Secretary Pete Hegseth has ousted a growing list of military leaders with little or no explanation. Remarks at a swearing-in ceremony at Washington Navy Yard offered several nods to the admiral being in close alignment with the Trump administration leaders above him.

In February, Hegseth fired Caudle’s predecessor, Adm. Lisa Franchetti, without explanation. Neither Caudle nor Navy Secretary John Phelan addressed the ouster at the ceremony Monday, though Franchetti was among several former chiefs of naval operations in attendance.

Franchetti had been the second woman ever to be promoted to four-star admiral and is among several female military leaders fired by the Trump administration. She was ousted the same day as Air Force Gen. CQ Brown Jr. as chairman of the Joint Chiefs of Staff.

Phelan, the Navy’s civilian leader, described the sea service as rife with issues like “decaying shipyards, inadequate maintenance, enormous cost overruns (and) delayed delivery and repair rates” and unspecified traditions that were stifling innovation.

“Admiral Caudle, together we must rebuild, reform and refocus on what matters — readiness, accountability and results — in order to execute President Trump’s mandate of peace through strength,” Phelan said.

Caudle was unequivocal in his agreement with the often-repeated Trump administration phrase, saying, “Peace through strength works.”

The admiral, who until the promotion was commanding U.S. Fleet Forces Command, said he wanted to be “judged by the results we achieved.”

Specifically, he cited the number of ships delivered and repaired on time, the number of ships that are fully manned, and ordinance production as meeting the Navy’s demands.

Phelan said Caudle’s success “is inextricably linked to my success as secretary of the Navy and vice versa.”

By PATRICK WHITTLE

PORTLAND, Maine (AP) — A network of clinics in Maine will not resume getting Medicaid funds to treat thousands of low-income patients during its lawsuit over Trump administration cuts to abortion providers, a judge ruled Monday.

The decision against Maine Family Planning came despite a ruling last month by another federal judge, who said Planned Parenthood clinics around the country must continue to be reimbursed for Medicaid funding as the provider wrangles with the Trump administration over efforts to defund it. That legal fight continues.

Without Medicaid, the much smaller provider in Maine says it will have to stop serving hundreds of primary care patients by the end of October. The organization says abortions are a relatively small percentage of its overall services, which include cervical cancer screenings, contraception and primary care to low-income residents in one of the poorest and most rural states in the Northeast.

President Donald Trump’s policy and tax bill, known as the “ big beautiful bill,” blocked Medicaid money from flowing to Planned Parenthood, the nation’s largest abortion provider. The parameters in the bill also stopped funding from reaching Maine Family Planning, and it is the only other organization that has come forward publicly to say its funding is at risk.

Maine Family Planning says Medicaid dollars are not used for its abortion services, and it’s unfair to cut off funding for the clinics “solely because Congress wanted to defund Planned Parenthood,” an attorney for the organization told the judge earlier this month.

However, Judge Lance Walker said in his ruling Monday that the payments will not resume during the ongoing lawsuit by the provider seeking to restore the funds. He wrote that Congress can “withhold federal funds and otherwise disassociate from conduct that is not enshrined” as a constitutional right.

Walker, a 2018 Trump appointee, also wrote that it would be “a special kind of judicial hubris” to undermine the big bill, which he described as the end result of democratic processes.

The network of 18 clinics said in a statement Monday that Walker’s ruling will destabilize the state’s entire health infrastructure by potentially turning low-income patients away from their doctors. The group said about 8,000 people receive family planning and primary care from its clinics.

“Mainers’ health should never be jeopardized by political decisions, and we will continue to fight for them,” said George Hill, president and chief executive officer of Maine Family Planning.

When asked if the organization is considering appealing the decision, the group issued a statement that said the network is “considering all options to ensure that Maine’s Medicaid patients can continue to receive the health care they need and deserve.”

Attorneys representing the Trump administration did not immediately comment. Emily Hall, an attorney for the U.S. Department of Justice, told the judge in court earlier this month that Congress has a right not to contract with abortion providers.

“The rational basis is not simply to reduce the number of abortions, it’s to ensure the federal government is not paying out money to organizations that provide abortions,” Hall said.

While advocates of cutting Medicaid for abortion providers focused on Planned Parenthood, the bill did not mention it by name. Instead, it cut off reimbursements for organizations that are primarily engaged in family planning services — which generally include items such as contraception, abortion and pregnancy tests — and received more than $800,000 from Medicaid in 2023.

The U.S. Senate’s parliamentarian rejected a 2017 effort to defund Planned Parenthood because it was written to exclude all other providers by barring payments only to groups that received more than $350 million a year in Medicaid funds. Maine Family Planning asserts in its legal challenge that the threshold was lowered to $800,000 this time around to make sure Planned Parenthood would not be the only entity affected.

By Charles E. Ramirez, MediaNews Group

West Nile virus has been detected in Washtenaw County mosquitoes, health officials said.

The virus was found in mosquitoes collected on Aug. 5 and Aug. 8 in Ann Arbor, Ypsilanti Township, and Saline, according to the Washtenaw County Health Department.

“No human cases of the West Nile virus have been identified in Washtenaw,” officials said in a post on the department’s Facebook page. “This testing confirms there is a possibility of infection in our local area.”

At least four human cases have been reported in Michigan so far this year.

Last week, Kent County officials said one of the county’s residents died from the virus.

According to the U.S. Centers for Disease Control and Prevention, there have been 320 West Nile virus disease cases so far in 2025.

The number of senior communities springing up across the landscape is an indication of an aging society. These communities provide a safe living environment for seniors, with social activities, meals and minor medical care.

They also provide a sense of relief for those with aging parents. Knowing that mom and dad are being fed and that someone is keeping an eye on them is comforting.

But there’s a downside. The criminal element knows exactly where to find these vulnerable seniors.

It’s common that a person’s mental sharpness declines at some point in life. For example, I have a longtime client who was a top auto executive. After retirement, he was in high demand by auto suppliers. But time began to catch up with him, and as so many retirees eventually do, he moved into a senior community.

Everything was going just fine until the day he answered a phone call from an unscrupulous individual pretending to be from his bank. Believing the impostor’s story, he was swindled out of nearly $10,000. During the conversation, he was told not to answer his phone under any circumstances unless it was from the phony banker himself.

After being unable to reach him by phone all day, his family drove to the facility. It didn’t take long for them to determine that he had been taken. He was unable to provide a good explanation to his family, to the investigating police or to me, his advisor. In short, a slick talking criminal, posing as a banker, stole from a senior. Sadly, my client is not alone.

I am well aware that stealing from seniors is becoming quite prevalent. Nonetheless, I was surprised to learn that scammers cost older people $700 million in 2024. That’s according to the FTC, which defines older people as those beyond the age of 60.

In 2024, 8,269 seniors lost more than $10,000 to impostors. Quite a jump from 2022, when it was slightly under 1,800. Total losses to scammed seniors was $122 million in 2020. Last year, it was more than $700 million.

Scammers use made-up crises to trick seniors, often pretending to be someone of authority, as in my aforementioned client’s “banker.” Or maybe it’s a law enforcement officer with a cockamamie story about a grandchild who desperately and immediately needs money to get out of a dangerous situation. Using today’s technology, a scammer can make almost anything seem real, and senior citizens with money in the bank make ideal targets.

Financial advisors go to great lengths to protect vulnerable clients. We do not act on emails requesting money. Phone calls are made to clients prior to executing any withdrawal requests. If senior financial abuse or fraud is suspected, there are steps advisors can take to make certain everything is in good order before any money is withdrawn.

When opening an account, advisors document a trusted, client-designated person to whom we have permission to contact if any concerns arise.

Nowadays, there are numerous ways investors can directly manage their own funds. That may be fine, but as they age and become more vulnerable, they may lack the time, desire or ability to oversee their finances the way a financial advisor does. Having a financial advisor provides one more set of eyes on the lookout for con artists.

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By Kara Berg, MediaNews Group

The mother of Oxford High School shooting victim Madisyn Baldwin said on Friday that she doesn’t see the $500,000 she accepted from the school district as a settlement — she sees it as an ultimatum from them.

Nicole Beausoleil, who sued Oxford Community Schools along with three other families for its role in a 2021 mass shooting, said she took the money from the district not because she was giving up on enacting change within Oxford schools, but because she had to think of Madisyn’s father and her three younger siblings.

“I felt (the $500,000) was the only measure I’d get from the tragedy to help them do everything they deserve to do,” Beausoleil said. “It was very hard for me to do. I really didn’t want to take it. I didn’t want it to show like I gave up, which I didn’t give up. I knew it was a take it or leave it type of deal. I felt in my heart I couldn’t make the decision only for myself.”

Beausoleil’s 17-year-old daughter Madisyn was one of four kids killed at Oxford High School on Nov. 30, 2021. Justin Shilling, 17, Tate Myre, 16, and Hana St. Juliana, 14, were also killed.

Beausoleil and Justin’s family were the only two to take the settlements. The Myres and the St. Julianas rejected it. The settlements were connected to federal lawsuits the families filed, alleging the district failed to protect students and downplayed the threat the killer posed to the school.

“I just want the change. I want people to see the bigger picture here, not look at this as two families gave up and took the settlement,” Beausoleil said. “It’s not a settlement, it’s an ultimatum. Take it or leave it, you have this many hours to decide. There wasn’t anything about it that was sincere or remorseful.”

The shooter, Ethan Crumbley, was sentenced to life in prison without parole in December 2023, though he is appealing both the sentence and his guilty plea to the Michigan Supreme Court.

The panel of three judges from the 6th U.S. Circuit Court of Appeals unanimously concluded former counselor Shawn Hopkins and former dean of students Nick Ejak did not display a callous indifference toward the risk they perceived the shooter posed prior to the Nov. 30, 2021 attack and that Oxford schools had immunity and could not be sued. The wrongful death lawsuit was dismissed May 20.

Oxford Schools attorney Tim Mullins said the offer to the families before the 6th Circuit decision was $1 million, and it was lowered to $500,000 after that.

“We always try to reach a reasonable resolution of a disputed claim,” Mullins said. “We are pleased to have been able to do so at this point.”

Beausoleil said the district has only seen her daughter as a liability.

“I want her to be seen in a different light,” Beausoleil said. “I want this kind of just to be behind me and to keep moving forward to continue to create change. We’re going to constantly fight, there’s no stopping it.”

While she’s lost a lot of hope in the past four years, she said she plans to keep fighting for her children. She filed the lawsuit so she could see change in the district, so no one would have to feel the pain she and the other families felt.

“Our lawsuits were to create change, it wasn’t to create this sue happy, ‘oh need a bunch of money’ idea,” Beausoleil said. “We want systematic change. We want this change because there was neglect on all aspects.”

Madisyn’s younger sister Payton is starting her freshman year this fall, Beausoleil said. She’s going to Anchor Bay schools, and Beausoleil said she has gone through safety directives with the district. It’s heartening to see they’ve taken her suggestions to improve student safety, she said.

But still, the thought of Payton going to high school has taken a toll on Beausoleil, she said. The money will help to make sure Payton can go to college at an Ivy League if she wants to and to help her autistic brother.

Madisyn would’ve wanted that, Beausoleil said. She had planned to go into neuroscience to learn about autism and how the brain functioned.

“It’s not a lot of money, I’m not expecting the kids to live off of this,” Beausoleil said. “But it’s a start in the right direction of where it should’ve started in November 2021.”

By Aya Fayad, MediaNews Group

The convicted mother of the Oxford High School shooter who killed four of his classmates on Friday asked the Michigan Court of Appeals to throw out her involuntary manslaughter convictions for what she described as a “sham prosecution” by a “cheating” prosecutor.

In the historic February 2024 decision, Crumbley was convicted in a jury trial on four counts of involuntary manslaughter arising from the criminal acts of her son, Ethan, who shot and killed four students at Oxford High School in November 2021. Ethan’s father, James Crumbley, was also convicted on four counts of involuntary manslaughter in a separate jury trial in March 2024. Both were sentenced to 10 to 15 years in prison.

Prosecutors said both parents were grossly negligent by storing a gun and ammunition where their son could access it, and that they missed repeated opportunities to stop the tragedy. The decision marked the first time in the United States that a parent was convicted of manslaughter for a mass shooting carried out by their child.

“Opportunity knocked over and over again and was ignored,” Oakland County Circuit Judge Cheryl Matthews said last year at the trial. “No one answered.”

However, both Crumbley and her husband have long argued that they did not know of their son’s plans for a mass shooting at his school and never noticed any signs of his deteriorating mental state. Her attorney further argued to the Court of Appeals that the trial was “riddled with errors.”

“This entire prosecution of Mrs. Crumbley was a sham that should never have been allowed to proceed to trial,” appellate attorney Michael R. Dezsi said in a statement. “The case against Mrs. Crumbley has been off the rails from the beginning … not to mention all the cheating by the Oakland County Prosecutor.”

The Oakland County Prosecutor’s Office did not immediately respond Saturday to requests for comment. But Prosecutor Karen McDonald in the past has called Dezsi’s claims “meritless” and said the only motivation for his requests claiming that she had secret agreements with two star witnesses was to generate headlines and divert attention away from Crumbley’s actions.

Crumbley’s appeal contended that she cannot be held criminally responsible for involuntary manslaughter because she “owed no legal duty to the victims of her son’s criminal acts” and was “under no legal duty to control and prevent her son from committing intentional, criminal acts.” The document argued that Crumbley’s convictions are inconsistent with Michigan law because of the absence of a “special relationship” with the shooting victims, and therefore no legal duty to protect another from the criminal acts of a “third party.”

The appeal also said past precedent about a parent’s duty to “control their minor child” has been applied only in situations when a child is unable to comprehend the risks or dangers of their actions, not in circumstances involving a teenager intentionally committing violent acts. Dezsi noted Michigan passed a safe-storage gun law after the shooting, meaning there “was simply no law in place from which to impose a legal duty on Mrs. Crumbley to prevent her son from accessing the firearm to commit intentional, criminal acts.”

Prosecutors have countered that there was a foreseeable risk in Ethan Crumbley’s actions and that Jennifer Crumbley failed to put a stop to them. During the trial, they argued that the parent ignored signs that her 15-year-old son was in crisis, failed to get him mental health treatment and bought him a 9mm gun anyway, while failing to put a lock on the gun.

Responsibility of Oxford officials

Dezsi also argued that it was Oxford High School officials, not Jennifer Crumbley, who had a legal duty to prevent her son’s acts because her son was under his school’s control and supervision. Consequently, officials such as former counselor Shawn Hopkins and former dean of students Nick Ejak had a legal duty to protect students Hana St. Juliana, Justin Shilling, Tate Myre and Madisyn Baldwin, who were killed in the shooting, based on the officials’ “special relationship” to them.

In March, a three-judge panel from the 6th U.S. Circuit Court of Appeals unanimously concluded Hopkins and Ejak did not display callous indifference toward the risk they perceived Ethan Crumbley posed prior to the Nov. 30, 2021, attack. The wrongful death lawsuit was dismissed on May 20.

However, on Thursday, the families of Baldwin and Shilling confirmed they settled with the Oxford school district, Hopkins and Ejak for $500,000 each, despite an appeals court ruling that the district was protected by qualified immunity. The families of Myre and St. Juliana rejected the offers.

Nicole Beausoleil, Baldwin’s mother, said Friday that she took the settlement money not because she was giving up on making change within the school district, but because she had to think of her husband and three kids.

Errors in the trial

Dezsi also argued that multiple errors were made throughout the trial, and that the prosecution used improper evidence, and Judge Matthews allowed them to “cheat their way to a conviction.”

“We have discovered documents proving that the prosecutor engaged in an orchestrated smear campaign, paid for with taxpayers’ money, and made secret deals with witnesses to testify for the prosecution,” Dezsi said. “Yet despite all of the evidence surrounding the prosecutor’s misconduct, cheating, and mishandling of the case, Oakland County Circuit Judge Cheryl Matthews turned a blind eye to all of it.”

The allegations include that the prosecution was inconsistent, charging Ethan Crumbley as an adult but prosecuting his mother for not controlling her minor child. Dezsi also argued that the prosecution intentionally didn’t share its proffer agreements with Hopkins and Ejak, which shielded the two school officials from criminal blame instead of Jennifer Crumbley. And he contended the Oakland County jury was prejudiced against the mother.

Another argument is that the prosecution gave two definitions of involuntary manslaughter, but Matthews failed to instruct the jury members that they were required to agree on one of the two theories — gross negligence due to the inadequate storage of the gun or her legal duty to “control her minor child.”

Jennifer Crumbley is also contesting the introduction in court of the journal entries and text messages written by Ethan Crumbley, arguing they are “hearsay without an exception, more prejudicial than probative, and violated the United States and Michigan constitutions” because Ethan and his friend, the recipient, were never required to take the stand and testify.

The journal, seized from the student’s backpack that was found in the school bathroom, contained detailed plans to commit a mass murder at the school, entries about past events, statements about his parents and criticisms of school officials.

Texts Ethan Crumbley sent to his friend included messages revealing his desire to become a school shooter, some reading things like, “I have ZERO help for my mental problems and it’s causing me to SHOOT UP THE F—– SCHOOL.” and “My parents won’t listen to me about help or a therapist.”

“Not only did Judge Matthews allow the prosecution to cheat their way to a conviction, but she allowed the jury to hear improper evidence that favored the prosecution’s case while excluding other evidence that would have countered it,” the filing said.

Dezsi repeated Crumbley’s arguments that McDonald’s office had retained high-priced public relations firms costing Oakland County taxpayers nearly $300,000 to run a behind-the-scenes smear campaign against Jennifer Crumbley.

In June, Matthews found that McDonald the suppressed evidence, but it wasn’t a serious enough violation to deny Jennifer Crumbley from receiving “a trial and verdict worthy of confidence based on the cumulative effect of the significant evidence against her.” After the ruling, McDonald said it was “time to turn the attention away from the Crumbleys and refocus on the victims.”

Dezsi disagreed in the filing.

“There will be at least 10 more judges on higher courts who will review this case, and I’m confident that at some point in this process, Mrs. Crumbley’s convictions will be thrown out,” he added.

By Grant Schwab, MediaNews Group

An activist for the Michigan Democratic Party filed an ethics complaint Friday against Michigan gubernatorial candidate and U.S. Rep. John James, R-Shelby Township, over the purported misuse of congressional resources.

The complaint alleged that James  used taxpayer resources from his U.S. House office at a Wednesday event where at least one staffer and several printed signs also promoted the Republican lawmaker’s run for governor of Michigan.

“His actions both mistreat taxpayers by misusing their hard-earned money for the private benefit of James’s campaign — and undermine our democracy by abusing the power of the United States Congress to influence a state election,” Joel Rutherford wrote in a complaint filed to the U.S. House Committee on Ethics.

Rutherford previously served as the Michigan Democratic Party’s chairperson for the 10th Congressional District, which James represents. The suburban Detroit district covers southern Macomb County and Rochester and Rochester Hills in Oakland County. James will eventually vacate the seat at the end of 2026, as he cannot run for both offices simultaneously.

The event in question, held at a minor league baseball game in Utica, featured a free giveaway of backpacks and classroom supplies for the upcoming school year. A spokeswoman for James rejected the ethics allegation on Friday.

“For three years, John James has supplied Michigan kids with free backpacks and school essentials, using no taxpayer dollars. Democrats, obsessed with government dependency and a woke agenda, attack a true leader for helping families,” James spokeswoman Hannah Osantowske said in a statement.

She continued: “Under ‘Democrat leadership’ Michigan students languish at a disgraceful 47th in national reading scores. John James is stepping up with a bold plan: as governor he will deliver results, restore academic excellence, and propel our kids to the top, backpacks included.”

The complaint criticized Osantowske, who serves as a spokesperson for James’ U.S. House office and his gubernatorial run, for promoting an event that advertised his state campaign using her congressional email address. Serving in dual roles is common, though rules require staffers to separate official communications between public offices and campaigns.

Rutherford pointed out that, according to the House Ethics Manual, “official resources of the House must, as a general rule, be used for the performance of official business of the House, and hence those resources may not be used for campaign or political purposes.”

Michigan Democratic Party Chair Curtis Hertel also called out James for the alleged violation.

“John James is misusing taxpayer-funded resources through his congressional office to promote his campaign for governor, which is illegal and a violation of House ethics rules,” he said in a statement. “James appears to have broken the law — and is focused on promoting himself rather than helping working Michiganders.

“We urge the House Ethics Committee to thoroughly investigate this incident, and if found to be an ethics violation, hold James accountable for this illegal and unethical conduct.”

August is the best time of the year to take a dip in Lake Michigan, when its waters hover in the balmy upper 60s. Experts say so, and Chicago’s crowded beaches offer proof. But an invisible hazard can quickly turn a sunny day out into a sick night in.

In 2024, over 300 beaches across the Great Lakes closed to visitors or issued swim bans or advisories due to the presence of bacteria in the water — mostly E. coli, from nearby surface runoff or sewer system overflows, especially during heavy rain — according to state and federal data.

Bacteria levels triggered 83 advisories or closures in Illinois last summer, making it the second worst in the Midwest, with 71 in Lake County’s 13 lakefront beaches and 12 across nine beaches in Cook County. As of Thursday, Lake County beaches have had 49 advisories this summer, according to data from the state’s Department of Public Health. There has been at least one beach advisory in Cook County so far, according to Evanston officials.

“What we want, really want, to see is not that people say, ‘Well, that’s just the way it is.’ It shouldn’t have to be this way,” said Nancy Stoner, senior attorney at the Environmental Law and Policy Center, who focuses on clean water issues. “It’s pollution that can be controlled and should be controlled, because people deserve to be able to know that they can swim safely in the Great Lakes.”

In Wisconsin, 90 beaches closed or had advisories between May and September 2024 — representing the most lakefront locations affected — followed by Illinois, Ohio with 67, Michigan with 62, Indiana with 20 and Minnesota with 17, according to data from the U.S. Environmental Protection Agency’s Beach Advisory and Closing Online Notification system, which ELPC analyzed.

Even these numbers are just a starting point. In addition to different frequencies in testing among municipalities, there can also be a lag time by states in filing this information to the U.S. EPA. For instance, the federal agency’s system lists no advisories or closures for Illinois in 2024, data that currently can only be found on the state website. According to a spokesperson, the IDPH attempted a submission, which was rejected because of formatting compatibility issues. The state agency said it continues to work to rectify the situation with the U.S. EPA.

“Beachgoers should be able to rely upon the information provided by U.S. EPA to find out whether the beach they want to go to is safe for swimming,” Stoner said. “They can’t do that right now, and the fact that wrong information is being provided by U.S. EPA makes the situation even worse. U.S. EPA needs to fix this problem right away so that beachgoers don’t unknowingly swim in contaminated water and risk getting sick.”

Known as the BEACON system, it is supported by federal grant funding that allows officials to monitor water quality and bacteria levels. Symptoms in humans exposed to this and similar pathogens can include nausea, diarrhea, ear infections and rashes. According to scientists, each year, there are 57 million cases of people getting sick in the United States from swimming in contaminated waters.

When a certain safety threshold set by the U.S. EPA is exceeded, local officials can decide to issue a swim ban or advisory. Three locations, all north of Chicago, exceeded the EPA’s threshold on at least 25% of days tested last year: North Point Marina Beach, Waukegan North Beach and Winnetka Lloyd Park Beach, according to data from BEACON analyzed in a July report by advocacy nonprofit Environment America.

Chicago tests the water in all its public lakefront beaches every day of the summer, unlike communities in Lake County, which only test four days a week. The report also found that, on the city’s 26 miles of public lakefront during the 2024 season, at least four beaches had potentially unsafe levels between 14% and 21% of the days that the water was tested, including 31st Street Beach, Calumet South Beach, 63rd Street Beach and Montrose Beach.

Most of the funding for testing and monitoring comes from the BEACH Act, or the Beaches Environmental Assessment and Coastal Health Act, which has protected public health in recreational waters across the country since its unanimous passing 25 years ago. Since then, the U.S. EPA has awarded over $226 million in grants for these programs.

“(It) is a small program for a federal program, but a lot in funding” impact, Stoner said.

However, in its 2026 proposed budget, the administration of President Donald Trump suggested slashing the EPA’s budget and clean water programs. In July, the House Appropriations Committee approved a 25% cut in the agency’s Clean Water State Revolving Fund, which helps states manage wastewater infrastructure to ensure the cleanliness of waterways.

The proposed cuts come at a time when humid weather and heavier storms, intensified by human-made climate change, are overwhelming outdated sewer systems and releasing human waste into waterways. Stormwater can carry runoff pollution and manure from industrial livestock operations into beaches. E. coli also grows faster in warmer water, so increasing lake temperatures pose a growing risk to swimmers.

Advocates say that — for the sake of public health and recreation — the federal government must continue to ensure funding for these programs and support the staff and institutions that uphold environmental protections.

“The BEACH Act is a piece of it. That’s about monitoring and public notification. That’s important,” Stoner said, “but really, funding the underlying work that needs to be done is essential. So, funding the EPA, funding the staff at the EPA, funding these labs throughout the Great Lakes, funding NOAA … There’s a whole system.”

While it doesn’t often do so, Chicago is one of 158 communities authorized to discharge sewage into the Great Lakes.

Besides Chicago, cities like Milwaukee, Grand Rapids, Michigan, and Toledo, Ohio, have also updated their sewer systems and reduced the raw sewage they send flowing into the Great Lakes, thanks in no small part to federal infrastructure funding. These systems, advocates say, might offer a blueprint for the safety of beachgoers across the basin.

“There are solutions. We just have to invest for them to happen,” Stoner said. “So, it’s not a technological problem. It’s a … failure to decide that we want to solve this problem with solutions that exist.”

Emily Kowalski, outreach and engagement manager at the research and education center of Environment America in Illinois, said investments should go beyond upgrading sewage systems and focus on green infrastructure or natural, permeable surfaces like green roofs, parks and wetlands, which can help absorb rainwater and reduce flooding.

“A lot of these problems are things that we know how to fix and mitigate, but they do take money,” she said.

A report released by the U.S. EPA last year found the country needs at least $630 billion to address wastewater, stormwater and clean water infrastructure needs over the next 20 years.

“We need Congress to fully fund the Clean Water State Revolving Fund so that we can enjoy Chicago’s beaches, but also so (that) when we are on vacation on other shorelines or coastlines, we can enjoy beaches that are safe for swimming,” Kowalski said.

Sewage and animal waste

Every morning between Memorial Day and Labor Day, a handful of University of Illinois Chicago students head out to the city’s public beaches. As the sun rises and the day starts, they wade into the lake at each location and collect water in two plastic bottles.

The samples are then tested in a laboratory to detect the presence of genetic material from Enterococci — bacteria that, like E. coli, live in the intestines of warm-blooded animals such as humans. While Enterococci are not considered harmful to humans, scientists test for their presence in water as an indicator that other disease-causing microbes like E. Coli might be present from possible fecal contamination. In a few hours, the results allow the Chicago Park District to issue the necessary water quality advisories for any of its beaches.

If the concentration of Enterococci in water samples from a beach registers an estimated illness rate of 36 per 1,000 swimmers, following U.S. EPA criteria, the Park District will issue a swim advisory. But the agency rarely issues full-on swim bans based on water quality; for that to happen, test results need to correspond with an event when sewage flows into the lake, said Cathy Breitenbach, natural resources director at the Chicago Park District.

“Our river flows backwards. Sewer overflows are pretty rare these days, and even when they do occur, they don’t go into the lake,” Breitenbach said.

That is, unless intense precipitation levels overwhelm sewers already overflowing within the city, and officials open the locks between the river and the lake and reverse that flow.

“Then we’d issue a systemwide ban until we test below the threshold,” she said.

The last time this occurred and a ban was issued in Chicago was in July 2023. The locks near Navy Pier were opened to relieve the pressure on the sewer system during heavy rainfall, allowing more than 1.1 billion gallons of murky, bacteria-laden waste to flow into Lake Michigan.

While sewage contamination from heavy storms attracts the most attention, waste from animals, such as seagulls and even dogs, can be washed by rain into the lake and is often the biggest source of bacterial concentrations across Chicago beaches.

“We have so many beautiful buildings, but when water falls on our city, that water runs off of our roads into our waterways, picking up pollutants along the way,” Kowalski said.

Runoff can contaminate Lake County beaches, too, when waste from waterfowl makes its way into the lake.

“Some of it is very localized,” said Alana Bartolai, ecological services program coordinator at the Lake County Health Department. North Point Marina Beach, she said, is well-known in the community because “the seagulls and the gulls love it.”

It’s a recurring observation among department staff when they conduct monitoring at the county’s lakefront beaches. Waukegan Beach has the same issue.

“When we take samples … we routinely are recording 300-plus gulls on the beach,” at those two locations, Bartolai said.

North Point Marina and Waukegan beaches accounted for almost half of all bacteria-related advisories and closures issued in Lake County last summer and so far this summer.

Bartolai said most of the advisories and swim bans in 2024 were weather-related. “Even though we were in drought conditions, we did still have heavy rain events,” she said.

Because swimmers at a lakefront beach are engaging in an activity in a natural body of water, “there’s no such thing as no risk,” Breitenbach said.

Earlier this month, at a beach in Portugal, over 100 people had to be treated for nausea and vomiting after swimming.

“When you see reports like this, you’re really thankful that Chicago is so ahead and has been doing (testing) for over a decade now,” said Abhilasha Shrestha, a University of Illinois Chicago research assistant professor of environmental and occupational health sciences who leads the laboratory testing for the city’s public beaches.

The rapid test the Chicago Park District is now using cuts the wait time down to only three to four hours, providing the most up-to-date information to ensure the safety of beachgoers. Before the city’s partnership with UIC began with a pilot program in 2015, testing relied solely on culturing E. coli, a laboratory process that incubates live cells in an artificial, controlled environment — with results available in 18 to 24 hours.

“It didn’t really make sense, because you were telling people what the water was like yesterday and doing the closure or advisory the day after,” Shrestha said.

But some municipalities say they can’t afford the more expensive rapid test.

“Not every community has the funding or has the setup where their beaches get tested every single day,” said Kowalski of Environment America in Illinois.

The Lake County Health Department uses the more time-consuming culture method to test water samples for E. coli — largely due to resources and funding constraints to adopting the faster methodology, officials said.

“The cost of it is almost like 10 times the cost of running an E. coli sample in our lab,” Bartolai said. “But we are looking at it, because there is that need to have that quicker turnaround.”

She said many Lake County suburbs take precautions such as raking the sand at their beaches to clear droppings from geese and seagulls “so that when it rains, it’s not getting washed in.”

In Chicago, Park District staff clean the public beaches daily, starting before dawn. Operations include tractors pulling raking machines, supporting crews of laborers who pick up litter and empty trash cans by hand and beach sweepers who clear paths for pedestrians and bike trail users. Kowalski said beachgoers can also help by picking up after dogs and ensuring babies wear swim diapers.

“(We) ask people to help, to do their part, to keep the water quality good and the beaches clean,” Breitenbach said. “Put your garbage away, don’t feed the birds, listen to the lifeguards.”

More information

Beachgoers across the Great Lakes can find water quality monitoring results on state government websites such as the Illinois Department of Public Health’s BeachGuard page or from volunteer-led efforts in nonprofits such as SwimGuide.

Beach advisories in Chicago are updated on the Park District’s website and with an on-site color-coded flag system that indicates whether conditions are safe for people to swim. These can change throughout the day due to bacteria levels in the water, as well as weather like lightning or high winds, and surf conditions like high waves.

In Chicago public beaches, three colored flags indicate three different things: red for a swim ban, yellow for a swim advisory, which means that swimming is allowed with caution, and green for permitted swimming. On any given day, the flag color between noon and 1:30 p.m. likely indicates the most recent information from water quality test results.

adperez@chicagotribune.com

By Madyson Fitzgerald, Stateline.org

Self-driving vehicle technology continues to advance, prompting a wave of liability and safety regulations from state lawmakers.

This year, lawmakers in Arizona, Louisiana, Montana, Nevada and the District of Columbia enacted legislation to regulate driverless vehicles, according to a database from the National Conference of State Legislatures.

While much of the legislation aims to update existing law to include new definitions for autonomous vehicles, other measures put rules in place regarding insurance, permitting, licensing and road testing.

In total, lawmakers in 25 states introduced 67 bills related to autonomous vehicles, according to the database. California, Illinois, Massachusetts, New Jersey, New York and Pennsylvania currently have bills under consideration. Alaska, Delaware and Washington have bills that will be carried over into the next legislative session.

Governors vetoed two measures this year. Colorado Democratic Gov. Jared Polis shot down a measure that would have required a driver to be present in any commercial vehicle being operated by an automated driving system.

Virginia Republican Gov. Glenn Youngkin vetoed a measure that would have put rules in place for “high-risk artificial intelligence systems,” but would have excluded “autonomous vehicle technology” from that category.

As of now, there are no vehicles that have achieved full autonomy, according to the Society of Automotive Engineers’ criteria. But several car companies have introduced automated driving features, allowing drivers to take their hands off the wheel.

Tesla is rolling out its Full Self-Driving feature, a system under which a vehicle can drive itself almost anywhere with minimal intervention from the driver. Tesla Autopilot, which the company made available to the public in late 2024, also helps with basic vehicle maneuvering.

And Waymo, the country’s first autonomous ride-hailing service, is currently operating in Atlanta; Austin, Texas; Los Angeles; Phoenix and San Francisco. The robo-taxi company plans to expand to Miami and Washington, D.C., next.

According to the National Highway Traffic Safety Administration, vehicle safety is the main benefit of driverless cars. With higher levels of automation, there is less room for human error or driver distractions. The new technology also could improve safety for bicyclists and pedestrians, according to the agency.

But driverless cars have been involved in hundreds of accidents over the past few years. Between 2021 and 2024, there were 696 accidents reported that involved a Waymo vehicle, according to an analysis by California-based law firm DiMarco — Araujo — Montevideo.

And last year, the National Highway Traffic Safety Administration began investigating Tesla’s Full Self-Driving system after multiple reports of crashes that occurred in low-visibility conditions.

©2025 States Newsroom. Visit at stateline.org. Distributed by Tribune Content Agency, LLC.

Nothing builds anticipation for a new college football season like carping about future playoff restructuring. Here we go again, letting the politics of an exhausting, never-content, always-bracing-for-mayhem sport overshadow the fun on the horizon. The 2025 campaign hasn’t had its first game, and the parents already are arguing about the seating chart at their grandchild’s wedding.

College football refuses to stay in the moment. There is too much money to pursue. There are too many factions to satisfy. There is too much power to protect, even if it results in compromises that threaten the stability and long-term interests of a sport rooted in tradition. The latest ego-driven nonsense involves the Big Ten, which floated the idea of expanding the playoff from 12 participants to a 24- or 28-team format. It’s probably a ploy to motivate other stakeholders to support a 16-team setup that the Big Ten prefers.

Despite the chatter – okay, outrage – the Big Ten stirred, it’s not worth debating the merits of a supa-dupa playoff because the conference’s goal was to be preposterous. Such disingenuous tactics come with the warning that, if the Big Ten isn’t guaranteed a larger plate of food, it just might yank the tablecloth and ruin everybody’s meal.

College football stopped dealing in good faith long ago. Maybe it never did. Determining a true national champion isn’t the objective; forging tenuous alliances to fatten the revenue stream is. Every program is for itself until forced to profit together. At the Football Bowl Subdivision level, it took the sport 145 years just to create a miniature, four-team playoff in 2014. That lasted 10 years, and then it became clear that expanding to 12 would be more lucrative. In 2021, a wave of conference realignment began that resulted in the obliteration of the Pac-12, once the jewel of West Coast football.

All of a sudden, with the SEC and Big Ten swelling to a combined 34 schools, it only made sense to alter the postseason. But amid all the chaos, the conferences agreed to stop eating each other and expand the playoff to 12 teams for the 2024 and 2025 seasons. The temporary solution made the current fight inevitable.

In March 2024, ESPN and the College Football Playoff agreed to a six-year, $7.8 billion contract that begins in 2026 and runs through the 2031 season. The playoff field can grow or remain the same. But the power dynamics behind the format have changed. The current system required Notre Dame and the 10 conference commissioners to reach a consensus. In the new deal, the SEC and Big Ten hold the control, and their only obligation is to discuss matters with Notre Dame and the eight other conferences.

In earlier discussions, SEC Commissioner Greg Sankey expressed interest in a “5+11” expanded format: five automatic bids, 11 at-large bids. Big Ten Commissioner Tony Petitti has been more enthusiastic about a “4-4-2-2-1-3” structure: four automatic bids apiece for the Big Ten and SEC, two each for the ACC and Big 12, one for the highest-ranked conference champion outside of the Power Four leagues and three at-large bids.

One structure is as clean as it gets in college football. The other is tough to remember and, sadly, is most representative of the mess the super conferences have made. With its incomparable depth, the SEC would collect plenty of its proposed 11 at-large bids every season. In comparison, the Big Ten is more top-heavy, which is why four guaranteed seats at the table appeals to Petitti. The Big Ten dreams of a scenario in which its third and fourth automatic bids could be decided via play-in games, a possible engine to drive big-time money from television as well as ticket sales.

The flip side of stacking automatic bids for major conferences is that you’re forcing a structure – for appeasement purposes – that could produce weaker fields in some seasons.

The SEC and Big Ten have until Dec. 1 to agree on a format. With the Big Ten throwing 28-team haymakers with 3½ months left, it will be an obstacle to find middle ground.

“I think there’s this notion that there has to be this magic moment, and something has to happen with expansion, and it has to be forced,” Sankey said last month.

It seems he would be okay remaining in stare mode until the clock expires.

“That’s fine,” Sankey said. “We have a 12-team playoff, five conference champions. That can stay if we can’t agree.”

Petitti has tried to be similarly chill. Even as decision time looms, he has said, “I’m not going to put any deadline on it.” But this new idea sparked reaction and raised the urgency to a level that felt on par with next week’s Texas-Ohio State showdown.

Perhaps that’s a sign to stand down and stop changing a sport that has changed dramatically the past few years.

Playoff expansion is the most popular and laziest answer to drive revenue. It’s happening in every sport. Television and streaming companies always want more sports inventory. But college football can withstand only so much expansion – from the toll on players’ bodies and academic requirements, to the audience’s bandwidth, to the quality of play.

Last season, the first with a 12-team tournament, nine of the 11 playoff games were decided by double figures. Growing the field to 16 could result in nothing more than four more mediocre games. Growing beyond 16 would ensure early-round snoozers. The transfer portal and pay-for-play allowances increased parity in college football, but there’s still a significant gap between the top tier and the rest of the contenders. Watering down the product will just make that reality clearer to viewers.

For the most compelling tournament, eight teams would be the perfect number. Twelve makes it just inclusive enough to pretend to be a national competition with access for all. Right now, anything bigger does nothing more than massage the shoulders of the most powerful conferences.

Let ’em stew for a while. Let us adjust to all of the recent change. You shouldn’t need to buy a new handbook every year to know how college football functions.

There is no perfect playoff format for a sport that doesn’t truly believe it needs a playoff. It’s just a mechanism for money, pride and status. In this case, the status quo doesn’t mean irresolution. For this warring sport, it would feel a lot like peace.

By Amanda Hernández, Stateline.org

For years, state lawmakers have taken the lead on regulating kratom — the controversial herbal supplement used for pain relief, anxiety and opioid withdrawal symptoms. Some states have banned it entirely. Others have passed laws requiring age limits, labeling and lab testing.

At least half of the states and the District of Columbia have enacted some form of regulation on kratom or its components — building a patchwork of policies around a product largely unaddressed by the federal government.

But that may soon change. The U.S. Food and Drug Administration is pushing to ban 7-hydroxymitragynine, or 7-OH — a powerful compound found in small amounts in kratom and sometimes concentrated or synthesized in products sold online, at smoke shops or behind gas station counters.

Federal health officials announced last month that the compound poses serious public health risks and should be classified as a Schedule I controlled substance, alongside heroin and LSD.

The move marks a significant shift in how federal regulators are approaching kratom, which they attempted to ban in 2016. It also has sparked debate about how the change could impact the growing 7-OH industry and its consumers.

This year, at least seven states have considered bills to tighten kratom regulations, including proposals for bans, age restrictions and labeling requirements.

Kratom, which originates from the leaves of a tree native to Southeast Asia, can have a wide range of mental and bodily effects, according to federal officials, addiction medicine specialists and kratom researchers. Reports of fatal kratom overdoses have surfaced in recent years, though kratom is often taken in combination with other substances.

Kratom and 7-OH are distinct products with separate markets, but they are closely connected. 7-OH is a semi-synthetic compound derived from kratom and only emerged on the market in late 2023, while kratom itself has been available for decades.

Leading kratom researchers also say more research is needed to fully understand the long-term effects of using both substances.

“There’s much we don’t know, unfortunately, on all sides,” said Christopher R. McCurdy, a professor of medicinal chemistry at the University of Florida. McCurdy is a trained pharmacist and has studied kratom for more than 20 years.

Research suggests kratom may help with opioid withdrawal and doesn’t seem to cause severe withdrawal on its own. Smaller amounts seem to act as a stimulant, while larger doses may have sedative, opioidlike effects. Very little is known about the risks of long-term use in humans, according to McCurdy.

As for 7-OH, it shows potential for treating pain, but it hasn’t been studied in humans, and it may carry a high risk of addiction. Researchers don’t yet understand how much is safe to take or how often it should be used, McCurdy told Stateline.

While some leading kratom experts agree that kratom and 7-OH should be regulated, they caution that placing 7-OH under a strict Schedule I classification would make it much harder to study — and argue it should instead be classified as Schedule II like some other opioids.

A federal survey from 2023 estimated that about 1.6 million Americans age 12 and older used kratom in the year before the study. The American Kratom Association, a national industry lobbying group, estimated in 2021 that between 11 million and 16 million Americans safely consume kratom products each year.

Since gaining popularity in recent years, 7-OH has appeared in a growing number of products. Some researchers and addiction medicine specialists say many consumers, especially those new to kratom, sometimes don’t understand the difference between products.

“It’s a pure opioid that’s available without a prescription, so it’s akin to having morphine or oxycodone for sale at a smoke shop or a gas station,” McCurdy said. “This is a public health crisis waiting to happen.”

Federal crackdown targets 7-OH, not kratom

In late July, the U.S. Department of Health and Human Services recommended that the federal Drug Enforcement Administration place 7-OH in Schedule I, citing a high potential for abuse. The classification would not apply to kratom leaves or powders with naturally occurring 7-OH.

“We’re not targeting the kratom leaf or ground-up kratom,” FDA Commissioner Marty Makary said at a news conference. “We are targeting a concentrated synthetic byproduct that is an opioid.”

Makary acknowledged that there isn’t enough research or data to fully understand how widespread 7-OH’s use or impact may be. Still, he said the Trump administration wants to be “aggressive and proactive” in addressing the issue before it grows into a larger public health problem.

While only small amounts of 7-OH occur naturally in the kratom plant, federal officials have raised concerns about U.S. products containing synthetic or concentrated forms of the compound because it’s more potent than morphine and primarily responsible for kratom’s opioidlike effects.

The FDA’s recommendation to schedule 7-OH will now go to the DEA, which oversees the final steps of the process — including issuing a formal proposal and opening a public comment period.

If finalized, the rule could affect both companies selling enhanced kratom products and consumers in states where those products are currently legal.

The DEA backed off scheduling kratom compounds in 2016 after widespread public opposition.

Kirsten Smith, an assistant professor of psychiatry and behavioral sciences at Johns Hopkins University who is studying kratom’s effects in humans, said she was surprised by the FDA’s push to schedule 7-OH.

“We don’t really have a public health signal of a lot of adverse events for either kratom or for 7-OH at this time,” she told Stateline. “I was, frankly, always surprised that kratom was pushed toward scheduling at an earlier time point. … I don’t know that we have data to support scheduling even now.”

Still, some advocacy groups, including the Holistic Alternative Recovery Trust, argue the push to schedule 7-OH is driven more by corporate interests than public health, suggesting the kratom industry is trying to sideline competition from 7-OH products.

“We think that this is just happening because of the legacy kratom manufacturers losing market share and wanting to gin up a crisis with this,” said Jeff Smith, the national policy director for the group, who said he has used 7-OH for sleep and pain management.

While his organization supports regulation and safe consumption, members worry the federal government’s move could drive people to riskier substances or push the market underground.

“It’s made a profound difference in my life,” Smith said. “We think it would be tragic to cut it off based on such a paucity of data when there’s so much potential for this product to help people.”

Public health concerns

Federal health officials say a key concern is the growing use of kratom and 7-OH products among teens and young adults.

Some officials and addiction medicine specialists have pointed out that these products often come in flavors and packaging designed to appeal to younger buyers, with few controls over where or how they’re sold. In some states without clear regulations, kratom and 7-OH products are available at gas stations or online, sometimes without any age verification.

“Whenever you go into a gas station and even though it’s behind the glass, it’s kind of eye level, and it has all of these bright colors — it has all of these things that really attract the visual of a kiddo,” said Socorro Green, a prevention specialist with Youth180, a nonprofit focused on youth substance use prevention in Dallas.

Green added that kratom and 7-OH products may be even more accessible to young people in rural communities, where gas stations and convenience stores are often among the few available retailers.

Some researchers and experts say that certain products may not clearly or accurately disclose their 7-OH content and are sometimes marketed or mistaken for traditional kratom.

Some cities, counties and states have responded by banning kratom or raising the minimum purchase age to 18 or 21. But in many areas, enforcement remains inconsistent, and some addiction specialists say clearer federal and state guidance is needed — especially as more people are using kratom and 7-OH to manage pain, anxiety or withdrawal symptoms on their own.

“There needs to be some kind of oversight, including some way of maybe helping to ensure that people know what they’re getting,” said Terrence Walton, the executive director and chief executive officer of NAADAC, the Association for Addiction Professionals.

State regulations

At least seven states have considered or enacted legislation this year related to kratom — ranging from age restrictions and labeling requirements to outright bans.

In New York, lawmakers passed two bills: one requiring warning labels and prohibiting kratom products from being labeled as “all natural,” and another raising the minimum purchase age to 21. Neither has been sent to the governor.

In Colorado, a new measure, which was signed into law in May, prohibits kratom from being sold in forms that resemble candy or appeal to children, increases labeling requirements, limits concentrations of 7-OH, and bans the manufacture and distribution of synthetic or semi-synthetic kratom.

In Mississippi, a new law that took effect in July raised the minimum purchase age for kratom to 21. It also bans synthetic kratom extracts and products with high concentrations of 7-OH. Lawmakers in Montana and Texas introduced similar legislation this year, but neither proposal advanced.

Louisiana is the latest state to enact a kratom ban, which took effect Aug. 1. Meanwhile, in July, Rhode Island became the first state to reverse its ban. The new law establishes a regulatory framework for the manufacturing, sale and distribution of kratom products, set to take effect in April 2026.

As of this year, Washington, D.C., and seven states — Alabama, Arkansas, Indiana, Louisiana, Rhode Island (until April 2026), Vermont and Wisconsin — have banned kratom. At least half of U.S. states now regulate kratom or its components in some way.

©2025 States Newsroom. Visit at stateline.org. Distributed by Tribune Content Agency, LLC.

By Madison Czopek, KFF Health News

For parents of school-aged children, the fall to-do list can seem ever-growing. Buy school supplies. Fill out endless school forms. Block off parent-teacher nights. Do the kids’ tennis shoes still fit?

Somewhere, at some point, you might remember flu shots. Get your flu shot. Get their flu shots. Or should you? Can you? Is that still a thing?

Amid political chatter about vaccines and the government entities that oversee them, it’s understandable to wonder where all this leaves the 2025-26 flu vaccine.

In short: Yes, the flu shot is still a thing. And doctors we spoke to said they recommend you get your flu shot this year.

Here are some answers to common questions:

Q: I heard the Trump administration could be changing vaccine recommendations. Does that apply to the flu vaccine?

There have been no substantial changes to the federal government’s flu vaccine recommendation: The Centers for Disease Control and Prevention still says that people 6 months old and up should get an annual flu vaccine.

That means most insurers will cover it, and it should soon be widely available.

Health and Human Services Secretary Robert F. Kennedy Jr., who has opposed vaccines, agreed that most people should get the flu vaccine. He followed a recommendation from the board that advises the federal government on vaccine policy; Kennedy replaced the members with his own.

The panel voted against recommending multidose flu shots that contained the preservative thimerosal, but the preservative had already been removed from most vaccines, including most flu shots.

Q: Who should not get the flu shot?

Doctors acknowledged there are always exceptions to broad guidance. For example, people with severe allergies to flu vaccine components should not get vaccines that contain those components.

You should discuss your health situation with your physician for personalized guidance.

Q: Is this season’s flu shot different from last season’s?

Yes. The flu shot was updated for the upcoming flu season, but the changes weren’t drastic. Like last year’s flu shot, this year’s vaccine is known as a three-component or trivalent vaccine that protects against three influenza viruses — two influenza A viruses and one influenza B virus.

This season’s vaccine was altered to target a specific strain of the influenza A/H3N2 virus expected to circulate this season, said Ryan Maves, a professor of medicine at Wake Forest University and a member of the Infectious Diseases Society of America. Those changes align with what the World Health Organization has recommended.

Q: When is the best time to get vaccinated?

September, October, or early November. This allows your body time to build up its protective antibodies as flu season begins and ensures your protection doesn’t wane before it ends.

In the U.S., influenza infection typically peaks in February, so you want to make sure you’re vaccinated and your protection is still strong through February and into March, said William Schaffner, a professor of infectious diseases at Vanderbilt University Medical Center.

Q: Is this season’s flu vaccine guaranteed to protect against the influenza strain that’s circulating?

Guarantee all protection? No.

Reduce risk of death? Yes.

Similar to the COVID-19 vaccine, flu vaccines are best at “protecting us from the most severe consequences of influenza,” Schaffner said. That means the flu vaccine is most effective at keeping people out of the hospital or the intensive care unit and keeping people from dying.

“A flu vaccine may not guarantee perfect protection against the flu, but skipping your flu shot simply guarantees you’ll have no protection at all,” said Benjamin Lee, a pediatric infectious diseases physician at the University of Vermont Children’s Hospital and an associate professor at the University of Vermont Larner College of Medicine.

Q: Will the flu shot be readily available this year?

All signs point to yes.

The FDA passed its formula recommendations to vaccine manufacturers March 13 — early enough that the agency expected there would be “ an adequate and diverse supply.” The people and places that administer flu shots should have them soon, typically beginning in September, said Flor Muñoz, a Baylor College of Medicine associate professor of pediatrics and infectious diseases.

Q: I heard Kennedy canceled $500 million in funding for vaccine development. Could this affect future flu vaccines?

Kennedy announced the cancellation of funding for mRNA vaccine development. Some companies have been researching combined mRNA flu and COVID shots, but there are currently no approved mRNA flu vaccines.

Still, experts said the federal government’s changes — funding cuts, vaccine committee purges, deviations from existing procedures — are increasing uncertainty.

©2025 KFF Health News. Distributed by Tribune Content Agency, LLC.

By Lane Gillespie, Bankrate.com

Try as we might to avoid it, sudden, expensive emergencies can happen to anyone. A pet might need an unexpected vet visit, your car might need a replacement part or you may experience a layoff. That’s where emergency savings come in: By keeping a savings fund that you only use for emergencies, you can have peace of mind knowing you can tackle any big expense that comes your way.

While keeping an emergency savings fund is important, if you’re working with a tight budget, it may not be easy for you to put aside a few thousand dollars. In fact, nearly a quarter (24%) of Americans say they have no emergency savings, according to Bankrate’s Emergency Savings Report.

Americans have struggled to save for years — since 2011, the percentage of people without emergency savings has bounced between 21% and 29%, according to Bankrate’s Emergency Savings Report, which has tracked people’s emergency savings habits for 14 years. But rising prices since 2022 have made it even harder to save money. While the inflation rate has fallen since its 2022 high, Americans are still struggling with the price of their everyday purchases. Several years of rising prices have led to Americans paying 24.3% more for consumer goods since February 2020, when the COVID-19 pandemic began in the U.S., according to a Bankrate analysis of Bureau of Labor Statistics (BLS) data.

Inflation wouldn’t sting as much if Americans received yearly pay raises to match, but wages over the last year haven’t grown fast enough to beat inflation, according to Bankrate’s Wage to Inflation Index. If your income has been stagnant and your everyday expenses are growing more expensive, you’ll have limited funds left over to stash away for savings.

Without emergency savings, you may need to turn to credit cards or borrow money in a pinch, and that’s what many Americans are doing when in financial need. A quarter (25%) of Americans would use a credit card to pay for an unexpected $1,000 emergency expense and pay it off over time, according to December 2024 data from Bankrate’s Emergency Savings Report. With credit card interest rates being over 20%, paying off an emergency expense with a credit card over time will cost you significantly more due to interest charges.

Snowballing economic factors are making it harder to save, especially for younger generations

In a perfect world, you would save at least 20% of your income across retirement accounts, emergency savings and other savings accounts. That’s part of the “50/30/20” rule, which advises you to spend 50% of your income on necessities, 30% on wants and 20% on savings. However, many people are likely to be spending a lot more than 50% of their income on necessities — squeezing the amount they can save.

Consumer prices rose 2.7% year-over-year in June, according to the BLS — the highest annual inflation rate since February. Americans are also squeezed on housing: Nearly half of renters spend more than 30% of their income alone on housing costs, according to the BLS. Similarly, 27% of homeowners pay more than 30% of their income on housing costs, according to product research company Chamber of Commerce.

Add in transportation costs and the rising cost of groceries, and you may easily find yourself cutting into your savings to afford necessities.

While many Americans, regardless of age, are struggling to save money, younger generations today are facing additional stressors that are making saving even more difficult. The labor market is showing signs of weakening, and recent college graduates are particularly struggling to find work as companies slow down on hiring and as AI swallows up entry-level white-collar jobs, according to the Wall Street Journal. What’s more, their spending on non-essentials hasn’t slowed down. Gen Zers (ages 18-28) are the most likely generation to spend more on travel, dining out and live entertainment year-over-year, according to Bankrate’s Discretionary Spending Survey.

Now, Gen Zers and millennials (ages 29-44) are more likely than older generations to have no emergency savings, according to Bankrate’s Emergency Savings Report:

Americans who have no emergency savings in 2025

• Gen Zers (ages 18-28): 34%
• Millennials (ages 29-44): 28%
• Gen Xers (ages 45-60): 24%
• Baby boomers (ages 61-79): 16%

The youngest American adults will likely always have less savings than older generations, since they’re relatively newer to saving. But younger Americans are starting their savings journeys today with added financial barriers that previous generations didn’t face to the same extent. Today’s young adults are kicking off their careers with fewer job prospects and high prices. This can take a toll — 46% of Gen Zers say money negatively impacts their mental health, at least occasionally, according to Bankrate’s Money and Mental Health Survey. This stress has also led to many Gen Zers feeling that planning for their future is pointless, according to CNBC. Without the motivation — or the funds — to save money, more Gen Zers year-over-year have no emergency savings, according to Bankrate:

Americans with no emergency savings, 2024

• Gen Zers: 29%
• Millennials: 34%
• Gen Xers: 31%
• Baby boomers: 16%

How to start — and maintain — an emergency fund when high prices make it harder to save

No matter your age, if you haven’t already started saving, it’s vital to start now, even if it’s only $10 or $20 a month. Building savings is a muscle you need to train — it may be difficult at first, but you’ll be glad to see your progress later.

1. Identify your ‘survival number’

An emergency savings fund should have at least three to six months of expenses stashed away, which is enough to cover most emergencies, like a job loss, car repair or emergency room bill. Saving this amount can be intimidating, but it’s more attainable than it seems.

If you spend $4,000 a month on recurring expenses, such as your rent, utilities, phone bill, groceries and transportation, that doesn’t actually mean you need to save $12,000 to $24,000 in your emergency savings fund. Your emergency fund can be based on your “survival number,” or the minimum amount of expenses you need to survive.

“Every few months or so, I like to go through my budget and identify my six-month survival number,” says Bankrate U.S. Economy Reporter Sarah Foster, who has tracked U.S. wages and inflation for the past several years. “That means including things like rent, utilities and groceries — not nice-to-have extras like streaming subscriptions or monthly facials and manicures. This number usually looks different from my regular budget, and that’s the point. It makes the goal feel more realistic.”

To know your survival number, check your budget and split your expenses into two categories: necessities and non-necessities. Necessities will include your:

• Rent or mortgage
• Utilities, phone and internet
• Insurance and health care co-pays
• Loan payments, such as a car loan, minimum credit card payments and student loans
• Basic groceries, household supplies and pet food
• Transportation costs

Non-necessities will include everything else, including subscriptions, eating and drinking out, personal grooming expenses, hobbies and more — everything you’re able to cut if you lose your job or otherwise need to fall back on your savings.

If you spend $4,000 a month on recurring expenses, you might realize you only spend $3,000 a month on necessities. That means you only need to save $9,000 to $18,000 in your emergency savings fund, which is much more attainable.

2. Start with a savings sprint

If you want to start saving for emergencies, you may need to cut down on spending to make room in your budget. But it can be challenging to suddenly cut down on everyday luxuries like ordering coffee out or getting your nails done.

The good news is, you don’t need to cut out luxuries permanently. To give yourself a head start on your savings, consider a savings sprint. Try cutting out non-essential expenses for a set period of time, such as four or six weeks. Set a savings goal, such as $500, that you can reasonably meet in that time by cutting out non-essentials. Set that money aside in a separate savings account — and don’t touch it.

When the savings sprint timeframe is up, you can go back to spending money on non-essentials — but use that time to figure out what is important for you to spend money on. For example, if after the sprint is up, you realize you actually don’t miss spending money on coffee shops, you can continue funneling that money toward your savings.

It can be hard to find the motivation to keep saving if you are only putting aside a small amount each month. However, a savings sprint gives you a jump start on your emergency savings, providing a motivational boost to watch your savings grow.

3. Make your bank account work for you

You can open a basic savings account at most banks where you keep your main checking account. But keeping your checking and savings accounts close together can make it all too easy to dip into your savings for non-emergencies.

Instead, try opening a savings account with a separate bank from the one where you keep your checking account. It takes several days to transfer funds between most banks, which will discourage you from dipping into your emergency savings too easily.

Any savings account will work to stash your savings, but you might want to consider a high-yield savings account (HYSA), which will offer a higher interest rate than a traditional savings account, which will help your savings grow even faster.

Also, try auto-depositing your savings directly into the account (also known as paying yourself first). By remaining hands-off, it’ll be easier to maintain your new savings habit.

You can keep your savings in one lump sum in a savings account, but some banks today allow you to go one step further. You can split up your funds into savings buckets, meaning you can assign roles to your funds:

Savings buckets let you know where your savings are going by separating them according to your goals, such as an emergency fund, travel fund or house down payment. Not only does this allow you to avoid touching your emergency funds when withdrawing money for a vacation, it serves as a constant reminder of the reasons why you’re saving in the first place.

The bottom line

Saving money isn’t always easy, but it’s vital for your financial health. If you don’t feel like you have enough room in your budget to save, consider cutting expenses where you can by examining your subscriptions, setting spending limits and cutting down on unnecessary spending. Or, you can try selling unwanted possessions or even picking up a side hustle.

Key takeaways:

• Nearly a quarter of Americans don’t have an emergency savings fund. If you’re one of them, that puts you at risk of taking on significant debt.
• It can be challenging to start and maintain an emergency savings fund. Determining the minimum you need to save and starting with a savings sprint can help.
• Opening a high-yield savings account will help you grow your savings without the temptation to use the funds for day-to-day spending.

©2025 Bankrate.com. Distributed by Tribune Content Agency, LLC.