Today’s top story: Do you need a grad degree to compete right now? Also in the news: What to do when a loved one owes you money, the best cities for freelancers, and how to avoid a last-minute extra baggage fee at the airport.

Do You Need a Grad Degree to Compete Right Now? Probably Not
More U.S. workers than ever hold a graduate degree.

A Loved One Owes You Money. Now What?
How to tackle an uncomfortable topic.

The 10 best cities for freelancers who can work from anywhere
These places have rich, active environments for self-employed gig workers and independent contractors

How to Avoid a Last-Minute Extra Baggage Fee at the Airport
One thing to add to your bag so you never wind up paying for that extra weight again.