Amanda Smith is a freelance journalist and writer. She reports on culture, society, human interest and technology. Her stories hold a mirror to society, reflecting both its malaise and its beauty.

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Spam calls have become such a nuisance that many people simply don't answer their phone unless they recognize the number. In iOS 26, though, you can learn about who's calling before you respond, ...