Baby boomers are set to pass on trillions of dollars to the next generations in the coming years. Much of it is expected to go to women. On this episode of Money Unscripted, Ally sits down with Alex Roca, the new host of Fidelity’s Women Talk Money show to answer women’s two biggest questions: Is it too late to get started and where should I put my next dollar? Hint: It’s never too late. From starting where you are to defining your priorities to keeping your saving and investing consistent, Alex has the tip ...

Options Trading & Risk Disclosure - Options trading carries significant risk and may not suit all investors [1] - Complex options strategies involve additional risk [1] - Before trading options, review "Characteristics and Risks of Standardized Options" [1] Fidelity's "In the Money" Program - Tony discusses upcoming earnings announcements and increasing trade risks [1] - Tony shares a trade idea for a high-profile carmaker [1] - Tony reviews a recent trade for a multinational retail corporation [1] - Join Fidelity Fridays at 1:30 pm ET for weekly trade ideas [1] - Sign up for more tips and insights from the Fidelity team [1] Fidelity's Social Media Presence - Fidelity encourages users to subscribe on YouTube for more videos [1] - Fidelity maintains a presence on Reddit, Instagram, TikTok, Facebook, LinkedIn, Discord, and X (Twitter) [1]

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Market Overview - Market experienced volatility due to policy uncertainty and geopolitical events, even a "bear market scare" in Q2, but stocks recovered to all-time highs by the end of the quarter [1] - Fidelity thought leaders provided insights on the past quarter and discussed potential risks and opportunities for the next quarter [1] Key Topics Covered - Discussion included a Q2 recap and Q3 market outlook [1] - Analysis of stocks & bonds, taxes & tariffs, and interest rates [1] - Examination of risks & opportunities, consumer debt, and national debt & Treasurys [1] - Commentary on Bitcoin & gold [1] Economic Factors - CPI data and the Federal Reserve's actions were discussed [1] - Impact of tariffs on corporate earnings was analyzed [1] Market Segments - Perspectives on international stocks and U S exceptionalism were shared [1]

General Information - The document ID is 1190497.2.2 [1]

General Information - The document ID is 1190497.2.2 [1]

Market Overview & Key Topics - Fidelity's Market Sense discusses the passage of the tax and spending bill and ongoing tariff negotiations [1] - The discussion includes the latest happenings in the markets as the second half of 2025 begins [1] Fiscal Policy & Legislation - The program covers topics such as the "Big Beautiful Bill," tariffs, and tax cuts [1] - Specific legislation mentioned includes TCJA (Tax Cuts and Jobs Act) and SALT (State and Local Tax) [1] Social Programs & Benefits - Social Security and the Child Tax Credit are discussed [1] - HSA (Health Savings Account) and 529 plans are also covered [1] Economic Impact & Concerns - The potential impact of the Tax & Spending Law on the economy is analyzed [1] - The discussion includes the national debt [1]

Crypto Market Overview & Trends - The discussion is tailored for advanced crypto investors to understand the evolution of the digital assets landscape in 2025 [1] - The panel addresses customer questions regarding the potential impact of pending legislation and regulations at the state and federal levels [1] - The conversation includes the usefulness of stablecoins and the impact of taxes and tariffs on crypto prices [1] - The discussion explains the connection between the crypto and equity markets [1] Regulatory & Legislative Landscape - The panel provides an update on regulation and legislative matters [1] - Discussion includes what's next in 2025 regarding laws, strategic reserves, and executive orders [1] - The discussion covers the potential impact of the GENIUS Act [1] Fidelity Digital Assets - Fidelity Digital Asset Services, LLC provides Fidelity Crypto accounts and custody and trading of crypto [1] - Fidelity Digital Asset Services, LLC is chartered as a limited purpose trust company by the New York State Department of Financial Services [1]

General Information - The document ID is 1190497.2.2 [1]

Retirement Planning Essentials - To achieve a fulfilling retirement, a robust savings and income strategy is essential, alongside considering lifestyle, relationships, and emotional well-being [2] - Research indicates that money, relationships (especially with a partner and friends), and health are key predictors of retirement satisfaction, with money's impact leveling off around $45 million [10] - Retirement should not be viewed as an extended weekend but requires planning for social engagement and habits to avoid boredom and social isolation [19][20] - Financial planning tools can help individuals understand their expenses, factor in inflation and potential healthcare costs, and build confidence in their retirement plan [73][74] Retirement Expenses and Income - Replacing pre-retirement lifestyle may require replacing approximately 84% of pre-retirement salary, considering savings and payroll taxes [27] - The average 65-year-old individual may spend around $165,000 on healthcare during retirement, excluding potential long-term care costs which could add another $117,000 per person for private-room nursing care [53][54] - Strategies for covering later-in-life healthcare expenses include budgeting with higher-than-average inflation for healthcare and considering a Qualified Longevity Annuity Contract (QLAC) to offset rising costs in later years [56][57] - Guaranteed income sources, such as Social Security, pensions, and annuities, provide steady, predictable payments and can alleviate spending stress in retirement [100][103] Housing and Relocation Considerations - Relocating in retirement involves considering cost-of-living factors, taxes, proximity to hobbies or family, and potential aging costs, such as house upkeep and access to healthcare [38][39][42][43] - Research suggests that while living in one's own home generally leads to greater happiness until the 80s, transitioning to shared living environments may be beneficial in later years due to increased social interaction [45] Investment Strategies - The "4% rule" suggests withdrawing 4% of savings in the first year of retirement and adjusting for inflation annually, but its security may be less certain today due to longer lifespans and potentially lower future returns [122][123][124][125] - A flexible spending strategy, involving adjusting spending based on market performance, may be preferable to the rigid 4% rule [126][127]