Americans are saving more for retirement than ever before, yet more workers are also tapping their 401(k)s for financial emergencies. According to Vanguard's How America Saves 2026 report, hardship withdrawals have tripled since 2021 despite record participation, savings rates, and account balances. Takeaways Americans are saving...
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Summary Small financial decisions can have a big impact over time. Before summer ends, take a few minutes to review your 401(k), emergency savings, beneficiary designations, and retirement plan to help keep your long-term goals on track. Takeaways Increasing your 401(k) contribution by just 1% may add...
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Women are often more consistent retirement savers than men, according to Vanguard's How America Saves 2026 report. They participate in 401(k) plans at higher rates and frequently save a larger percentage of income. Despite these stronger savings habits, lower earnings and career interruptions continue to...
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This July 4th is America's 250th birthday, and spending is expected to hit record levels. But budget-friendly 4th of July celebrations are absolutely possible with a little planning. Here are 7 ideas that can help you celebrate big without the big bill. Why the 2026 Fourth...
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Thinking about pausing your 401(k) contributions? While it may seem like a quick way to free up cash, even a temporary pause may reduce compound growth, eliminate employer matching contributions, and make it harder to reach your retirement goals. Before making a change, here's what...
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Healthcare may be one of the largest expenses you'll face in retirement. According to Fidelity, a 65-year-old retiring today may spend an average of $172,500 on healthcare costs throughout retirement, and that estimate does not include long-term care. Understanding what Medicare covers, what it doesn't,...
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Wondering what to do with your 401(k) during market volatility? While market downturns can be unsettling, panic selling, stopping contributions, and taking early withdrawals often cause more damage to retirement savings than the decline itself. Key Takeaways The average 401(k) balance fell during the first quarter...
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Retirement anxiety is rising in 2026 as Americans worry about inflation, healthcare costs, Social Security uncertainty, market volatility, and running out of money. Studies show many workers feel behind on retirement savings and unsure about their financial future. This article explains some of the biggest...
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Teaching kids financial literacy doesn’t have to be complicated. Summer can be the perfect time to teach children and teens real-world money skills through allowances, chores, summer jobs, grocery shopping, and vacation budgets. This guide shares 16 practical ways parents can help kids learn budgeting,...
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A 401(k) offers several powerful retirement benefits, including tax advantages, employer matching contributions, catch-up contributions, and long-term investment growth. Understanding these benefits of a 401(k) may help you make smarter decisions with every dollar you save. Why Is a 401(k) Important for Retirement Savings? A 401(k) is...
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