‘Your life will start to change’: Could this 1 piece of advice from Suze Orman improve your finances today?

Core Insights - The article emphasizes the importance of financial restraint and making informed spending decisions to improve financial stability and security [1][3][7]. Group 1: Financial Tools and Strategies - The Acorns app allows users to invest spare change by rounding up transactions, promoting a habit of saving and investing [5][6]. - Advisor.com connects individuals with fiduciary financial advisors to help create personalized budgets and financial plans [9][10]. - Rocket Money app helps users track subscriptions and manage recurring expenses, aiding in better financial oversight [19][21]. Group 2: Consumer Debt and Spending Habits - Household debt in the U.S. reached a record $18.59 trillion in Q3 2025, highlighting the financial strain on American families [8]. - Many Americans struggle with overspending, often purchasing wants instead of needs, which exacerbates financial difficulties [7][12]. - Suze Orman advises consumers to focus on buying only what they need for six months to regain control over their finances [8][12]. Group 3: Cost-Saving Measures - Comparing home insurance rates can save homeowners an average of $482 per year [15]. - Car insurance premiums have increased by over 60% from December 2020 to 2025, suggesting the need for consumers to shop for better rates [17][18]. - Small financial habits, such as tracking subscriptions and redirecting savings into retirement funds, can lead to significant long-term benefits [20][21].