An essential document holds the key to making sure your assets go exactly where you want when you pass away. And it's not a will. I'm Sharon Eper, the senior personal finance correspondent at CNBC and the author of the Money 101 newsletter.Actor Chadwick Boseman, singer Liam Payne, and the Queen of Soul, Artha Franklin, are among famous celebrities who died without a will. In fact, only 24% of Americans have a will, according to a 2025 survey by caring. com.But that legal document may not be most important ...

Here's a staggering number. About 4.2% million people in the US will turn 65 this year. That's millions of people leaving the workforce and facing the task of living off their savings in retirement amid an escalating cost of living.Now, you might be thinking of your own personal finances and wondering, am I putting away enough money so I can maintain my standard of living when I retire. And how do I do that. Well, you've come to the right place.Gene Chhatsky. She's a personal finance expert, author and foun ...

RT CEO (@Investments_CEO)BREAKING: 🚨🇺🇸 SEC SAYS 401K PROVIDERS CAN NOW INCLUDE BITCOIN & CRYPTO https://t.co/lNrKMtiiX8 ...

So, I just can't take rental property rent or crypto capital gain and put that into a 401k. I wish I could. I cannot.So, what we have to do, and that's why I was telling Jennifer, we need to have that side hustle or that small business to generate the income here to fund the solo and stack our IAS. So that's why I was saying earlier, if you can give me something to work with with a side hustle, small business, it gives me so many more options. ...

Financial Habits & Automation - Individuals can modify their financial habits effectively [1] - Setting up "set it and forget it" solutions is a highly effective financial strategy [1] - Automating savings for emergencies and retirement is strongly encouraged [5] Retirement Planning - Enrolling in employer-sponsored 401(k) or 403(b) plans offers tax advantages [2] - Delaying enrollment in retirement plans is a common issue [3] - IRAs provide a similar opportunity to automate savings and investments [3] Behavioral Finance - Consistent self-control for daily decisions is challenging [4] - Financial changes can be simplified by making one-time decisions with lasting impact [4] - Recurring transfers to savings or investment accounts require minimal ongoing effort [3]

Private Equity Market Trends - Private equity firms face concerns about selling previous investments at good prices due to liquidity issues [1][2] - Public markets are trading at all-time highs, but private markets are not seeing the same success, partly due to timing and high purchase prices [2] - Prices of companies typically bought by private equity firms have deflated significantly, with trading multiples decreasing from 17-20x to 7-8x [3][4] - Lower asset prices create opportunities for fund managers to buy at attractive prices, but also make it harder to get liquidity [6] Alternative Investments in Retirement - Deploying capital is easier than realizing capital gains in the current market [7] - The US 401k market, a primary savings tool for Americans, has been largely locked out of private market investments [8] - Inclusion of private markets in 401ks requires regulatory changes [8][9] - Diversification through private markets is essential for a better retirement portfolio, especially given the concentration in public markets [10] Portfolio Construction and Risk Management - Pensions have driven returns through private markets [13] - A portfolio construction strategy involving heavier weighting in private markets for younger savers, gradually shifting to more liquid assets over time, is suggested [14][15] - Illiquidity of alternative investments is a concern, especially during market downturns, but can be managed through appropriate portfolio construction [11][12][14]

Market Trend & Policy Impact - President Trump's executive order allows Americans to invest retirement savings in alternative assets like private equity, cryptocurrency, and real estate [1] - The executive order aims to provide retirement savers with more investment opportunities [1] - The order could give these industries access to $12.2 trillion in American retirement savings, with $9 trillion specifically in 401k plans [4][5] Investment Risks & Concerns - Financial experts warn that alternative investments pose higher risks that may outweigh potential rewards [2] - Certified financial planners caution against investing in alternative assets without professional advice, regardless of net worth [5][6][7] - Alternative investments come with higher fees, limited liquidity, and a lack of transparency [9] - Lack of real-time pricing and publicly available information compared to publicly traded companies [10] - Potential difficulty in selling these assets, especially when nearing retirement age [10] - Concerns that investors may not fully understand the risks and impact of these investments [8][9] - Some suggest limiting alternative asset investments to 5% or 10% of retirement savings [12] Investor Protection & Education - Need for free education, awareness, and resources to understand the risks before investing in alternative assets [12] - Importance of free financial advice and increased transparency [13]

Market Impact - The potential executive order could allow individuals to invest in Bitcoin and cryptocurrencies through their 401k retirement accounts [1] - US retirement accounts hold an estimated $43 trillion, including approximately $9 trillion in defined contribution plans like 401ks [2] - The crypto industry's market capitalization is less than $4 trillion, suggesting a significant influx of capital into Bitcoin and crypto assets if the order is implemented [2] Investment Strategy & Risk - The report questions the allocation of American retirement accounts to US treasuries, which are described as assets that are essentially guaranteed to lose value over long periods of time [3][4] - The iShares 20 plus-year Treasury bond ETF has reportedly lost nearly 50% of its value in the last 5 years [5] - Traditional 60/40 portfolio allocations are criticized for potentially harming boomer portfolios [5] - The report advocates for giving investors the freedom to allocate to assets like Bitcoin, arguing it could offer a better chance to save themselves from financial disaster compared to traditional "safe" investments [6]

RT Anthony Pompliano 🌪 (@APompliano)I sat down with @jvisserlabs to talk about bitcoin coming to 401k’s, the lack of volatility, why Wall Street is talking about ETH & stablecoins, what is going on at the Fed, how AI & GPT-5 will impact the economy, and how you can make more money.Enjoy!YouTube: https://t.co/REooIZiJOZSpotify: https://t.co/yQdDrQgMaMApple: https://t.co/jHEYQhuLR2TIMESTAMPS:0:00 - Intro0:56 - Impact of bitcoin coming to 401k’s6:26 - Bitcoin’s current lack of volatility10:32 - Thinking throug ...

Bitcoin & Cryptocurrency - Bitcoin's potential inclusion in 401k plans is being discussed [1] - The perceived lack of volatility in Bitcoin is a topic of interest [1] - Wall Street is actively discussing Ethereum (ETH) and stablecoins [1] Economic Impact - The Federal Reserve's actions are under scrutiny [1] - The potential impact of Artificial Intelligence (AI) and GPT-5 on the economy is being considered [1] Financial Advice - Strategies for increasing personal income are being explored [1]