fadfebrian / Shutterstock.com Quick Read 58% of Americans will be unable to maintain their standard of living in retirement. Americans working with a financial advisor have saved $132K versus $62K for those without one. Advisor users plan to retire at 64 compared to 66 for non-users. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. Most Americans do not have enough retirement savings. Morningstar ...

Morsa Images / Getty Images High income is not the only way to financial prosperity; living frugally, investing wisely, and optimizing for taxes are all important ingredients for anyone to accumulate financial wealth. Key Takeaways Only 3.2% of retirees have $1 million in retirement accounts vs. about 2.6% of Americans in general. The average retirement savings for households aged 65-74 is $609,000, while the median is only about $200,000. The number of "401(k) millionaires" in America reached a reco ...

A number of changes are coming to 401(k) plans in 2026, including higher contribution limits for all account holders. The amount individuals can contribute to their 401(k) plans will rise to $24,500 in 2026 from $23,500 for 2025, according to the IRS. Trending Now: Suze Orman Says If You’re Doing This, You’re ‘Making the Biggest Mistake in Life’ Try This: 6 Things You Must Do When Your Savings Reach $50,000 Another change, included in the Secure 2.0 Act of 2022, targets high earners over 50 only. This ch ...

Money expert Rachel Cruze is known for her approachable and encouraging take on personal finance. She recently posted a YouTube video to help people anxious about money see that, if they meet six basic criteria, they’re on the right track and managing their finances responsibly. Learn More: 6 Signs You’re Actually Upper-Middle Class (Even If You Don’t Feel Rich) Read Next: 6 Things You Must Do When Your Savings Reach $50,000 1. You Have More Than $400 Saved In her video, Cruze cited a 2022 study showing ...

退休储蓄账户平均余额 - 2025年第三季度 个人退休账户平均余额上升至137,902美元 [1] - 2025年第三季度 401(k)计划平均余额上升至144,400美元 [1] 提升退休储蓄的策略 - 应充分利用雇主提供的401(k)匹配供款 这是无需放弃的免费资金 [3] - 需了解匹配供款的具体条款 并确认雇主的权益归属时间表 [3] - 若匹配条件可达且易于获取 应尽力提高储蓄率以获取全额匹配 可能需重新规划支出或考虑兼职以增加供款资金 [4] - 从雇主处获得的每一美元匹配供款都可进行投资 长期将显著增加储蓄 [5] 利用薪资增长增加储蓄 - 若2026年获得加薪 无论是基于生活成本还是绩效 从一开始就将增加部分用于储蓄是有效的策略 [6] - 对于401(k)计划 可通知薪资部门按加薪幅度提高供款比例 [7] - 对于个人退休账户 可设置定期供款以自动存入加薪部分 [7]

Canva | tab1962 and Minerva Studio Quick Read A $150,000 retirement savings balance isn’t huge for someone who’s 55. Before you panic, see how much you can reasonably save during the tail end of your career. Talk to a financial advisor about ways to salvage your situation and minimize your stress. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here   ...

Jo Panuwat D / Shutterstock.com Key Points Americans are projected to spend $1,595 on average this holiday season. 45% of parents risk debt this season, totaling $263B nationwide. The average credit card interest rate stands at 21.39%. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. Finance expert Suze Orman had some important commentary about New Year's Resolutions that everyone should read as 2 ...

Saving money is challenging under the best of circumstances — and it’s even harder if you’re retired and living on a fixed income. According to Schroders, about 25% of U.S. retirees have lost sleep over their finances, and 27% spend at least an hour a day worrying about money. (1) If you share those concerns, building even a small cash cushion can help ease the stress. Here are five simple ways to save $10,000 with minimal effort. Must Read 1. Use automation Willpower is often the biggest obstacle to ...

There’s no one-size-fits-all approach to building wealth. In fact, everyone’s journey might look a little different. Find Out: 5 Key Mindset Shifts To Financially Become the Top 1%, According to Humphrey Yang For You: 6 Subtly Genius Moves All Wealthy People Make With Their Money However, there are a few things that you might be overlooking when embarking on your wealth-building journey. In this article, GOBankingRates cover seven things Rachel Cruze believes you should focus on in a recent video. Holdin ...

退休储蓄现状与缺口 - 根据2024年西北互惠规划与进展研究，美国人预计需要146万美元才能舒适退休，但目前平均仅储蓄了88,400美元，两者之间存在137万美元的巨额缺口 [1] 退休资金需求分析 - 社会保障仅能替代退休前收入的40%，而100万美元的投资账户按安全提取率每年仅能提供约4万美元 [2] - 大多数人需要替代退休前收入的80%至90%，考虑到未来通胀对购买力的侵蚀，即使是146万美元也可能不足 [2] 财务顾问的价值与影响 - 与财务顾问合作是帮助增加退休储蓄、实现财务稳定的关键习惯 [4] - 拥有财务顾问的受访者其退休储蓄金额是没有专业建议者的两倍 [5] - 具体数据显示，没有顾问的美国人的退休储蓄约为62,000美元，而有顾问的人则达到132,000美元 [6][7] 财务顾问的附加效益 - 79%的顾问客户拥有长期财务计划，而没有顾问的群体中这一比例仅为38% [7] - 以10%的投资回报率计算，一个人在45岁时拥有的132,000美元储蓄，到65岁时即使不再追加投入，也能增长至888,000美元 [7]