假设以2025年上半年商业银行首套房30年期平均贷款利率3.8%为例，采用等额本息还款方式，100万元 的房贷月供约为4651元。看似并不算高的月供，累计30年却需要偿还高达167.44万元，其中利息支出就 高达67.44万元——这几乎相当于额外购买了三分之二套房子的价格！对比2025年第一季度全国平均月 收入11562元，单是房贷月供就占到了收入的近40%，远超金融专家建议的健康房贷支出比例（不超过 家庭月收入的30%）。在房价高企、工资增长滞后的现实下，许多家庭实际上背负着难以承受的债务压 力，财务焦虑指数也显著高于无贷款家庭（2024年国家金融心理健康调查显示，背负大额房贷的家庭财 务焦虑指数平均高出无贷款家庭37%）。 更令人担忧的是，2024年调查数据显示，约58%的房贷提前还 款申请因各种原因被银行拒绝或延迟处理，这进一步加剧了还款的压力和不确定性。 百万财富的三十年：房贷与储蓄的博弈 在现代社会，金钱始终是人们生活中绕不开的核心议题。无论是背负巨额房贷的压力，还是拥有百万存 款的喜悦，都深刻影响着每个人的生活轨迹。让我们聚焦100万元这笔资金，深入探讨其在30年间，分 别用于房贷和储蓄两种不同场 ...

Nearly half of Americans lack a financial plan. Learn the psychological reasons for delaying, how planning reduces stress, and how to get your plan started. https://t.co/uPaIGEPJ3M ...

Financial Planning - As a new mom, planning for her daughter's future is a priority [1] - The author sought advice from ChatGPT before opening a savings or brokerage account [1] - The article discusses what ChatGPT advised and what it missed in financial planning for a child's future [1]

Current and prospective parents need to calculate if they can financially subsidize an adult child for the long-term, @BrokeMillennial (via @opinion) https://t.co/onxaqcGEBp ...

SUZIE ALLEN: Hello, and welcome to the latest Insights Live: "Creating a fulfilling retirement." I'm Suzie Allen, Vice President of Insights from Fidelity Wealth Management. Thank you for joining us today and submitting questions. Your questions have helped shape our discussion.Now, to have a satisfying retirement, you need a strong savings and income plan. And you also need to think about your lifestyle, relationships, the emotional aspects, and more. So today, on today's panel, we have both financial prof ...

It’s normal to feel some anxiety when retirement is approaching. So to help you get ready, we have some recommended to-dos. You need to get your finances in order, envision your new lifestyle and what it may cost, calculate your predictable sources of income, review the positioning of your portfolio, and more. Watch the latest 5 Questions with Fidelity to help you feel both financially and emotionally prepared for retirement. 00:00 Welcome to 5 Questions with Fidelity 00:16 How much do you need to retire? 0 ...

President Trump has ordered ICE officers to carry out the single largest mass deportation program in history. It's escalated migrants, immigrants rather, fears of being detained or deported. Today, we spoke with CNBC senior personal finance correspondent Sharon Eper about the financial impact of these actions.And her first tip is to make sure your money and property are protected. This is actually something that everyone should think about in terms of protecting their finances. And the first is to just have ...

5 HABITS OF MILLIONAIRES:1. Spend less than they earn2. Invest automatically3. Avoid lifestyle creep4. Stay curious & keep learning5. Think long-term—always ...

4 Ways To Pivot When Your Retirement Doesn’t Go As Planned https://t.co/7OHSAuJUqW https://t.co/7OHSAuJUqW ...

Required Minimum Distributions (RMDs) Overview - Individuals generally must take their first RMD by April 1st of the year after turning 73, with subsequent RMDs required by December 31st each year; those born after 1960 have their first RMD at age 75 [1][2][3] - Failure to take the required distribution may result in a 25% tax on the undistributed amount [2] - RMD calculation involves dividing the total balance of tax-deferred retirement accounts (IRA, 401k, 403b) at the end of the previous tax year by the IRS's life expectancy factor for the individual's age [1][3] - Financial institutions typically calculate and inform clients of their RMD amount by the end of December [7] RMD Exceptions and Special Cases - An exception exists for individuals still working at the company sponsoring their 401k plan; they may not need to take RMDs until retirement [9] - Higher investment returns lead to higher RMDs, as the calculation is based on the account's value at the end of the previous year [10][11] - All individual retirement accounts (IRAs) are now viewed as one giant massive IRA for RMD purposes [13] - Aggregate RMDs from all IRAs must be fully satisfied before any distribution from any IRA can be converted into a Roth IRA, otherwise a 6% excess contribution penalty may apply [13][14] Inherited IRAs and the 10-Year Rule - Beneficiaries inheriting an IRA must empty the account within 10 years of the original owner's death [14] - If the original IRA owner died before their Required Beginning Date (RBD), beneficiaries do not have to take RMDs during years 1 through 9 but must empty the account by the end of the 10th year [16] - If the original IRA owner died on or after their RBD, beneficiaries must take an annual stretch distribution during years 1 through 9 and then take out the remaining balance by the end of the 10th year [17] Qualified Charitable Distributions (QCDs) - Individuals can use their RMD to make a qualified charitable distribution (QCD) to a nonprofit organization [18] - The money must go directly from the IRA to the nonprofit to avoid being counted as taxable income [18][19] - There are limits to QCDs, such as up to $100,000 that can be donated [19]