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_over-40-of-americans-have-no-clue-what-a-401k-is.webp "Almost half of Americans don’t know what a 401(k) is, according to a recent poll. <br/><br/>A national survey of 2,000 Americans, evenly split by generation, revealed that 43% of respondents don’t know what a 401(k) is. The survey examined Americans’ financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures. <br/><br/>The results revealed a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia.<br/><br/>And over a third (35%) don’t know what “interest” is in a financial context. <br/><br/>The study, commissioned by Beyond Finance for Financial Practice Week and conducted by OnePoll, revealed that despite these startling knowledge gaps, only two in five respondents (39%) consider themselves more financially literate than others. <br/><br/>Four in 10 Americans (39%) admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to procrastinate (49%) while baby boomers are least likely to procrastinate (22%).<br/><br/>The top reasons respondents cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can’t get any worse (16%) and forgetfulness (13%).<br/><br/>“Unfortunately, avoiding looking at your finances and making healthy changes is incredibly common,” said Dr. Erika Rasure, chief financial wellness advisor of Beyond Finance, which can be overwhelming. Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There’s a middle ground to take when improving your financial health — learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.” <br/><br/>The study revealed the average American typically checks their banking app twice daily. Exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%). <br/><br/>In comparison, baby boomers feel the most calm (26%) and over a quarter of all respondents avoid signing into their banking apps on a daily basis, at all (26%). <br/><br/>Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget with millennials and baby boomers tying for the best-laid financial plans (81%). <br/><br/>Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability (76%) and Gen Z deviating the most from their budgets (58%). <br/><br/>For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%). <br/><br/>However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%), rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%).<br/><br/>Notably, 33% of respondents said they never take vacations.<br/><br/>Finances also influence relationships: Nearly four in ten (39%) reported that their or their partner’s unhealthy spending habits have negatively affected their relationship.<br/> <br/>A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<br/><br/>“The first step in a happier financial future is education,” said Dr. Rasure. “The more you know about money and personal finances, the more equipped you’ll be to make better decisions and create a plan to meet your goals. That’s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they’ve been putting off so they can make progress toward a more stable, optimistic future.” <br/><br/>Survey methodology:<br/>This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll, whose team members are Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR) and the European Society for Opinion and Marketing Research (ESOMAR).")
_amc-short-interest-what-is-the-truth.webp "The Common Sense Investor (CSI)")
_amc-short-out-of-liquidity-already-defaulting-short-squeeze-update.webp "Investing Generation")
_this-entrepreneur-is-building-a-more-secure-future-for-crypto-users-by-bringing-competitors-together.webp "Like high-yield savings accounts that accrue interest, proof of stake blockchains like Ethereum encourage users to lock away their cryptocurrency for the sake of the network's security in exchange for more of the currency over time. It's a process called staking, but the caveat is that getting the ether back out can be a long and unpredictable process. Mara Schmeidt, 29, wants to solve this problem with her software company Alluvial. Alluvial works with clients like Coinbase, Bitcoin Suisse, Figment and six other crypto platforms to stake ether for their users. Thanks to Alluvial, ether owners are able to sell their cryptocurrency to users on competing platforms--increasing the pool of potential buyers. \")
This Entrepreneur Is Building A More Secure Future For Crypto Users By Bringing Competitors Together
⏲ 15:36 👁 41.7M
_finra-confirmed-huge-share-imbalance-this-is-it-amc-stock-short-squeeze-update.webp "Thomas James - Investing")
⏲ 11 minutes 11 seconds 👁 6.3K
_shorts-are-turning-on-each-other-this-is-huge-amc-stock-short-squeeze-update.webp "Thomas James - Investing")
⏲ 7 minutes 57 seconds 👁 2.3K
_caitlin-clark-selected-no-1-overall-by-indiana-fever-in-2024-wnba-draft.webp "Caitlin Clark Selected No. 1 Overall , by Indiana Fever in 2024 WNBA Draft.<br/>The WNBA draft took place on April 15 <br/>at the Brooklyn Academy of Music.<br/>The WNBA draft took place on April 15 <br/>at the Brooklyn Academy of Music.<br/>Clark, the record-breaking NCAA star who's amplified interest in women's basketball, is headed to play with Indiana, ESPN reports. .<br/>Clark, the record-breaking NCAA star who's amplified interest in women's basketball, is headed to play with Indiana, ESPN reports. .<br/>I dreamed of this moment since I was in <br/>second grade, and it's taken a lot of hard <br/>work, a lot of ups and downs, but more <br/>than anything, just trying to soak it in, Caitlin Clark, via statement.<br/>The last time that the Fever won a <br/>WNBA title was in 2012, ESPN reports. .<br/>The last time that the Fever won a <br/>WNBA title was in 2012, ESPN reports. .<br/>But Clark is determined to help the team <br/>\")
_amc-stock-finra-new-rules-for-short-sellers.webp "Kenan Grace")
_red-alert-russian-missiles-against-israel-middle-east-locked-and-loaded.webp "Full Spectrum Survival")
⏲ 11 minutes 32 seconds 👁 28.4K
_more-collaborations-expected-with-singapore-under-new-pm-says-abang-jo.webp "The Sarawak Government has welcomed the appointment of Lawrence Wong as Singapore's next Prime Minister, while also expressing interest in studying further the republic's approach to assisting its low-income sector (B40).<br/><br/>Sarawak Premier Tan Sri Abang Johari Tun Openg said Wong, currently Singapore’s Deputy Prime Minister and Finance Minister, brings valuable experience and understanding of Singapore-Malaysia ties, particularly with Sarawak.<br/><br/>WATCH MORE: https://thestartv.com/c/news<br/>SUBSCRIBE: https://cutt.ly/TheStar<br/>LIKE: https://fb.com/TheStarOnline")
_the-stock-market-is-about-to-trap-everyone-tomorrow.webp "StockedUp")
_you-can-dislike-reality-but-the-outcome-isn39t-going-to-change-we-are-in-big-trouble-no-way-out.webp "jeremiah babe")
⏲ 28 minutes 47 seconds 👁 9.9K
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