Why “Balancing” Matters More Than Ever
If you’re in your teens, 20s or 30s, you’re probably juggling a dozen competing money priorities at once—everything from this month’s rent to next summer’s backpacking trip to the retirement you can scarcely picture. Meanwhile, the typical American puts away just 4.9 percent of take-home pay as of April 2025, barely half the pre-pandemic average. […]
The Current State of Financial Literacy Among Gen Z and Millennials
Why talk about money skills now?Gen Z (roughly ages 18-27) and Millennials (about 28-44) are the two largest generations in the workforce and will inherit an estimated $84 trillion in wealth over the next 20 years. Yet the data show that many young adults still feel as if they’re steering that wealth with the dashboard […]
Buy Now, Pay Later: The Alluring Trap of Modern Consumer Credit
In recent years, Buy Now, Pay Later (BNPL) services have surged in popularity, offering consumers the ability to split purchases into manageable installments. Companies like Klarna, Afterpay, Affirm, and Zip have become household names, promising financial flexibility and convenience. However, beneath the surface lies a complex web of potential pitfalls that can ensnare unsuspecting consumers […]
The Challenges of Student Debt and Rising Living Costs in 2025
In 2025, Americans are grappling with the dual challenges of escalating student debt and increasing living expenses. With the resumption of federal student loan collections and inflation impacting essential costs like housing and groceries, many are seeking strategies to manage their finances effectively. This guide delves into the current landscape of student loan forgiveness programs, […]