RT Nick Szabo (@NickSzabo4)The point seems to have gone way over your head so let me elaborate: the Boomers were competing far less against global labor. Their real wages, in terms of their wages relative to housing and other assets, as well as relative to health care and education costs, were much higher at the same ages. They had much more to save. And what's more, they've had a lifetime to accumulate more savings and accumulate the cash flows from those savings.As a percentage of income, surveys show Gen ...

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financial services, capital markets, I mean hundreds of years old. This company was really rooted in a lot of it. And and when you think about innovating in again old industry, it's no different than with TIAA.Like I said, we invented the annuity, but how do we make sure that that 23y old or 25year-old understands that they may live to 100 years old, right. How do you engage them to say, "Hey, you don't have to understand every nuance of the sharp ratio or what asset allocation means, but you better make su ...

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Core Insights - The article emphasizes the importance of setting financial New Year's resolutions as a way to reassess goals, spending habits, and savings targets for the upcoming year [1] Budgeting - Consumers are advised to rework their budgets for anticipated higher costs in 2026, with an overall inflation increase estimated at 3%. Key categories likely to see price increases include healthcare and groceries [3] Emergency Fund - The need for an emergency fund is highlighted, suggesting that individuals should aim for three to six months of living expenses in a high-yield savings account to prepare for rising living costs and economic uncertainty [4] Savings and Investments - Automating savings and investments is recommended as a strategy to achieve financial targets, with recurring transfers to savings or retirement accounts set up right after payday to benefit from compounding [5] Debt Management - The article suggests that individuals should aggressively pay down high-interest debt, as each dollar paid towards such debt provides an instant, risk-free return [6] Retirement Planning - Increasing contributions to retirement accounts such as 401(k), IRA, or Roth accounts is advised, especially for older adults who can take advantage of catch-up contributions to enhance their retirement savings [7]

Retirement Savings Analysis - The report focuses on comparing individual savings to the average American based on age [1] - It aims to provide strategies for improving retirement preparedness [1] Financial Planning - The industry emphasizes the importance of assessing one's current financial standing relative to peers [1] - The industry promotes proactive planning to enhance retirement security [1]

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Yeah, I need to update this chart. Every time I I go to update it, I keep having to reduce the the scale, but uh let let's go back to the idea of savings. And you probably find that different decades um in modern history were kind of dominated by different savings vehicles.So, let's say hypothetically if your parents' generation um if they maybe are boomers and a lot of their wealth was created or is currently stored in housing, it it kind of makes sense that they're going to teach their children that that ...

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Core Insights - The article emphasizes that growing wealth does not have to be tedious and outlines six quick tasks that can significantly improve financial health with minimal investment [2] Group 1: Financial Improvement Strategies - **Automatic Transfers to Savings**: Setting up automatic transfers from checking to savings accounts on payday is crucial for developing savings, regardless of the initial amount [3] - **Bundling Expenses for Discounts**: Combining multiple services, such as insurance or internet packages, can lead to lower rates and increased savings [4] - **Tracking Spending**: Utilizing tools provided by banks or financial institutions to monitor spending can reveal areas for potential savings [5] - **Leaving Credit Cards at Home**: Avoiding the temptation to use credit cards by leaving them at home can help prevent unnecessary debt [6] - **Investment Fund's Expense Ratio**: Awareness of internal fees charged by investment funds is essential, as these can significantly erode returns over time [7]