One of the fastest ways to pay off holiday debt is to lower your interest rates, use a proven payoff method like the Avalanche or Snowball, and make extra payments whenever possible. These steps help reduce interest, speed up your payoff timeline, and eliminate holiday...
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To improve your finances in 2026, assess your full financial picture, set achievable goals, automate savings, rebuild your emergency fund, increase your 401(k) contributions, and rebalance your 401(k). These 12 steps create a clear roadmap for stronger financial stability in 2026 and beyond. #1 Get a...
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The best gift you can give your family this holiday is unplugging. Turn off the devices. Connect with each other. The holidays are stressful. Now, add in being constantly plugged in via electronic devices (or smartphones). It can be too much. According to the American Psychological Association, “U.S. adults are...
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According to the Goldman Sachs Retirement Survey & Insights Report 2025, many Americans are struggling to save as basic expenses rise faster than wages. Here’s what the data means for your 401(k) and what you can do right now to improve your retirement outlook. Why Is...
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Understanding the average and median 401(k) balance by age helps you see where you really stand. Vanguard’s data shows a wide gap between the average balance of $148,153 and the median of $38,176, revealing how uneven retirement readiness is. Use these benchmarks to evaluate your...
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As 2025 wraps up, now may be the perfect time to tighten up your finances and set yourself up for a stronger year ahead. These 12 year-end money moves may help you save more, lower your tax bill, and start 2026 with real financial momentum. #1...
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Holiday spending is rising sharply in 2025, with shoppers planning to spend more on gifts and online purchases than last year. This guide shares 8 steps to help you avoid holiday debt, set clear expectations, create a realistic budget, shop smarter, and stay in control...
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Updated: November 2025 According to the IRS (Notice 2025-67, released November 13, 2025), the 401(k) contribution limit will rise to $24,500 for 2026, up $1,000 from 2025, while the IRA contribution limit increases to $7,500 plus a $1,100 catch-up for savers age 50 and older.[1] These cost-of-living...
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The final weeks of the year are more than just holiday prep and family gatherings. They’re also your last chance to make financial moves before year-end that could boost your retirement savings, lower your tax bill, and set you up for a stronger 2026. Whether you're trying...
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If you’re hoping the 2026 Social Security COLA will help ease the pressure of rising costs, don’t get your hopes up. The 2026 increase is only 2.8%.¹ With inflation, Medicare premiums, and everyday expenses climbing faster, it won’t go far. In this post, we’ll help break down what...
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