Finance
Minnesota voters back half of school finance levies, reelect most board incumbents
About half the Minnesota districts that asked voters for more money on Election Day got it.
In Northfield, the school district’s $121 million three-question funding request saw full approval, meaning school leaders will be able to move forward with building a new gymnasium, classroom addition and geothermal heating and cooling system.
Minneapolis voters OK’d a $20 million technology spending levy for the financially strapped public school district.
Voters across the state were willing to renew existing levies for building maintenance and upgrades, and for technology. It was a different story, though, when they were asked to pay more for day-to-day operating costs.
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Thirty districts this year asked voters to approve levies for daily costs, including 28 that put questions on ballots this week. Only 40 percent of those requests were OK’d — one of the lowest approval rates since 1980.
“One of the things that really stuck out to us is people were willing to vote to maintain. They weren’t interested in increasing their local property taxes,” said Kirk Schneidawind, executive director of the Minnesota School Boards Association.
Schneidawind said he believes that’s a reflection of how Minnesotans feel about the economy.
“The general default for many voters is, ‘I’m going to vote no if I don’t understand it or don’t know about it,’” Schneidawind said. “People, in their mind, the economy, prices of things and costs of things have gone up. And inflation, even though it’s been coming down, it’s still impacting their pocketbook. And I think perhaps folks saw that or felt that and weren’t supportive of new increases for our public schools.”
Statewide, 45 districts put some sort of financial question on their local ballots this year with 51 percent approved.
School boards
More than 300 Minnesota school districts sought to fill open school board seats this election. In places where incumbents were on the ballot, voters elected to keep them at a rate of nearly 87 percent.
While this year’s competition wasn’t as intense as in recent years, many districts had multiple candidates on their ballots. Behind those candidates were organizations spending time and money on training and endorsements.
The Minnesota Parents Alliance, a conservative organization launched in 2022, endorsed nearly 130 candidates in 56 Minnesota districts in its voter guide. Teacher unions backed nearly 100 candidates in 33 districts. The School Board Integrity Project, a progressive organization launched last year, endorsed 45 candidates in 27 districts.
In the 29 districts where there were candidates from both the Minnesota Parents Alliance and the teachers union or School Board Integrity Project facing off, 31 Minnesota Parents Alliance-endorsed candidates won and 50 union or School Board Integrity Project-endorsed candidates won.
Education Minnesota president Denise Specht claimed victory in an emailed statement, saying union-backed candidates won nearly 75 percent of their races.
Leaders of the Minnesota Parents Alliance also focused on wins, pointing to wins in 56 percent of races with endorsed candidates and seats gained in 47 school boards and majorities gained on boards in Elk River, Lakeville, Forest Lake and Prior Lake, MPA leader Cristine Trooien said in a statement.
Here are the results in a few districts MPR News tracked on Tuesday.
Prior Lake-Savage
In 2022, the open seats on this suburban district’s school board were hotly contested by opposing slates of candidates who staked out sides in a tug of war that involved organized parent groups, teacher unions, networks of political donors and families worried school equity efforts were in jeopardy.
This year there were six candidates running for three open seats. The candidates — just one of whom was seeking reelection — were divided into those backed by the local teacher union versus those who received endorsements from the Minnesota Parents Alliance.
Two of the Minnesota Parents Alliance candidates won, backed by a local parents group that sank at least $1,800 in the election. Just one union-endorsed candidate won, meaning this school board, come January, will be led by a majority of MPA-endorsed candidates.
Voters in this district also rejected the school system’s request for a levy to help pay for daily operations.
Brainerd
In Brainerd, there were seven candidates running for three seats. Only one didn’t secure endorsements from either the Minnesota Parents Alliance or the local teacher union. All union-endorsed candidates were incumbents. Of those, two won reelection. The third open seat was filled by a Minnesota Parents Alliance-backed candidate.
In the 2022 election cycle, Brainerd saw a frenzy of school board campaign spending with candidates racking up nearly $80,000 in disbursements on advertising, mailers and signs. This year, the spending has come way down and is now closer to $11,000.
The three election winners will oversee a district serving at least 6,000 students in north-central Minnesota.
Fergus Falls
Nine candidates were running to fill three seats in this west-central Minnesota district where nearly 3,000 students attend school. Three union-endorsed candidates, supported by about $2500 in union campaign spending, beat out three Minnesota Parents Alliance-endorsed candidates.
Lakeville
In Lakeville, nine candidates vied to fill three seats on a board overseeing district-level decisions for more than 12,000 students in this Twin Cities outer ring suburb.
Campaign finance reports from August and September show close to $20,000 spent on the board elections, mostly from the teachers union. The six endorsed candidates were backed by either the local teachers’ union or the Minnesota Parents Alliance, none of whom are incumbents.
One union candidate and two Minnesota Parents Alliance candidates won, meaning alliance-backed members will hold a board majority come January.
Osseo
In the Twin Cities suburban district of Osseo, there were six candidates running to fill three open board seats. None of the candidates were incumbents. They raised at least $9,000 between them for websites, business cards, flyers, T-shirts, signs and other campaign spending.
This district’s current board has been the site of clashes over policies regarding gender inclusion, instruction and LGBTQ+ pride flags.
On Tuesday voters backed two union and School Board Integrity Project candidates and one Minnesota Parents Alliance candidate.
St. Francis
In St. Francis, in the northern Twin Cities exurbs, there were 10 candidates running for four open school board seats. The Minnesota Parents Alliance and local teachers union each endorsed four candidates, none of whom was an incumbent.
The winners were evenly split — two union-endorsed candidates and two Parents Alliance-endorsed candidates won.
Rosemount-Apple Valley-Eagan
This metro-area district saw two candidates competing in a special election to fill a single school board seat. The local teachers union spent more than $90,000 to support their endorsed candidate, who won the seat.
Finance
Military Troops and Retirees: Here’s the First Financial Step to Take in 2026
Editor’s note: This is the fourth installment of New Year, New You, a weeklong look at your financial health headed into 2026.
You get your W-2 in January and realize you either owe thousands in taxes or get a massive refund. Both mean your withholding was wrong all year.
Most service members set their tax withholding once during in-processing and never look at it again. Life changes. You get married, have kids, buy a house or pick up a second job. Your tax situation changes, but your withholding stays the same.
Adjusting your withholding takes five minutes and can save you from owing the IRS or giving the government an interest-free loan all year.
Use the IRS Tax Withholding Estimator First
Before changing anything, run your numbers through the IRS Tax Withholding Estimator at www.irs.gov/individuals/tax-withholding-estimator. The calculator asks about your filing status, income, current withholding, deductions and credits. It tells you whether you need to adjust.
The calculator considers multiple jobs, spouse income and other factors that affect your tax bill. Running it takes about 10 minutes and prevents you from withholding too much or too little.
Read More: The Cost of Skipping Sick Call: How Active-Duty Service Members Can Protect Future VA Claims
Changing Withholding in myPay (Most Services)
Army, Navy, Air Force, Space Force and Marine Corps members use myPay at mypay.dfas.mil. Log in and click Federal Withholding. Click the yellow pencil icon to edit.
The page lets you enter information about multiple jobs, change dependents, add additional income, make deductions or withhold extra tax. You can see when the changes take effect on the blue bar at the top of the page.
Changes typically show up on your next pay statement. If you make changes early in the month, they might appear on your mid-month paycheck. If you make them later, expect them on the end-of-month check.
State tax withholding works differently. DFAS can only withhold for states with signed agreements. Changes require submitting DD Form 2866 through myPay or by mail. Not all states allow DFAS to withhold state tax.
Changing Withholding in Direct Access (Coast Guard)
Coast Guard members use Direct Access at hcm.direct-access.uscg.mil. The system processes changes the same way as myPay. Log in, navigate to tax withholding and update your information.
Coast Guard members can also submit written requests using IRS Form W-4. Mail completed forms to the Pay and Personnel Center in Topeka, Kansas, or submit them through your Personnel and Administration office.
Read More: Here’s Why January Is the Best Time to File Your VA Disability Claim
When to Adjust Withholding
Check your withholding when major life events happen. Marriage or divorce changes your filing status. Having kids adds dependents. Buying a house affects deductions. A spouse starting or stopping work changes household income.
Military-specific events matter, too. Deploying to a combat zone makes some pay tax-free. PCS moves change state tax situations. Separation from service means losing military income but potentially gaining civilian income.
Check at the start of each year, even if your circumstances seemingly stayed the same. Tax laws change. Brackets adjust for inflation. Your situation might be different even if it seems the same.
The Balance
Withholding too little means owing taxes in April plus potential penalties. Withholding too much means getting a refund but losing access to that money all year.
Some people like big refunds and treat it like forced savings. Others would rather have the money in each paycheck to pay bills, invest or set aside in normal savings.
Neither approach is wrong. What matters is that your withholding matches your tax situation and your preference for how you receive your money.
Run the estimator. Adjust your withholding. Check it annually. This simple process prevents tax surprises.
Previously In This series:
Part 1: 2026 Guide to Pay and Allowances for Military Service Members, Veterans and Retirees
Part 2: Understanding All the Deductions on Your 2026 Military Leave and Earnings Statements
Part 3: Should You Let the Military Set Aside Allotments from Your Pay?
Part 4: This Is the Best Thing to Do With Your 2026 Military Pay Raise
Stay on Top of Your Veteran Benefits
Military benefits are always changing. Keep up with everything from pay to health care by subscribing to Military.com, and get access to up-to-date pay charts and more with all latest benefits delivered straight to your inbox.
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Finance
The case against saving when building a business
Finance
This Is the Best Thing to Do With Your 2026 Military Pay Raise
Editor’s note: This is the fourth installment of New Year, New You, a weeklong look at your financial health headed into 2026.
The military’s regularly occurring pay raises provide an opportunity that many civilians only dream of. Not only do the annual percentage increases troops receive each January provide frequent chances to rebalance financial priorities — savings vs. current standard of living — so do time-in-service increases for every two years of military service, not to mention promotions.
Two experts in military pay and personal finance — a retired admiral and a retired general, each at the head of their respective military mutual aid associations — advised taking a similarly predictable approach to managing each new raise:
Cut it in half.
In one variation of the strategy, a service member simply adds to their savings: whatever it is they prioritize. In the other, consistent increases in retirement contributions soon add up to a desirable threshold.
Rainy Day Fund
The active military’s 3.8% pay raise in 2026 came in a percentage point higher than retirees and disabled veterans received, meaning troops “should be able to afford the market basket of goods that the average American is afforded,” said Michael Meese, a retired Army brigadier general and president of Armed Forces Mutual.
While the veterans’ lower rate relies exclusively on the rate of inflation, Congress has the option to offer more; and in doing so is making up for recent years when the pay raise didn’t keep up with unusually high inflation, Meese said.
“So this is helping us catch up a little bit.”
He also speculated that the government shutdown “upset a lot of people” and that widespread support of the 3.8% raise across party lines and in both houses of Congress showed “that it has confidence in the military and wants to take care of the military and restore government credibility with service men and women,” Meese said.
His suggestion for managing pay raises:
“If you’ve been living already without the pay raise and now you see this pay raise, if you can,” Meese advised, “I always said … you should save half and spend half,” Meese said. “That way, you don’t instantly increase your spending habits just because you see more money at the end of the month.”
A service member who makes only $1,000 every two weeks, for example, gets another $38 every two weeks starting this month. Put $19 into savings, and you can put the other $19 toward “beer and pizza or whatever you’re going to do,” Meese said.
“That way you’re putting money away for a rainy day,” he said — to help prepare for a vacation, for example, “so you’re not putting those on a credit card.” If you set aside only $25 more per pay period, “at the end of the year, you’ve got an extra $300 in there, and that may be great for Christmas vacation or Christmas presents or something like that.”
Retirement Strategy
Brian Luther, retired rear admiral and the president and chief executive officer of Navy Mutual, recognizes that “personal finance is personal” — in other words, “every situation is different.” Nevertheless, he insists that “everyone should have a plan” that includes:
- What your cash flow is
- Where your money is going
- Where you need to go in the future
But even if you don’t know a lot of those details, Luther said, the most important thing:
Luther also advised an approach based on cutting the 3.8% pay raise in half, keeping half for expenses and putting the other half into the Thrift Savings Plan. Then “that pay will work for you until you need it in retirement,” Luther said. With every subsequent increase, put half into the TSP until you’re setting aside a full 15% of your pay.
For a relatively young service member, “Once you hit 15%, and [with] the 5% match from the government, that’s enough for your future,” Luther said.
Previously in this series:
Part 1: 2026 Guide to Pay and Allowances for Military Service Members, Veterans and Retirees
Part 2: Understanding All the Deductions on Your 2026 Military Leave and Earnings Statements
Part 3: Should You Let the Military Set Aside Allotments from Your Pay?
Get the Latest Financial Tips
Whether you’re trying to balance your budget, build up your credit, select a good life insurance program or are gearing up for a home purchase, Military.com has you covered. Subscribe to Military.com and get the latest military benefit updates and tips delivered straight to your inbox.
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