Core Insights - Suze Orman provides a financial roadmap for 2026, emphasizing the importance of staying invested in the stock market despite potential short-term fluctuations [2] Market Expectations - The stock market is expected to continue its upward trend, with occasional downward spikes lasting from a week to a month [2] - Interest rates are anticipated to decline slowly as the Federal Reserve aims to stimulate borrowing, spending, and hiring, which may also lead to a gradual decrease in mortgage rates [3] - Inflation is expected to increase costs across the board, primarily due to tariffs, while Bitcoin is projected to rise significantly over the long term despite its volatility [4] Recommended Actions - Regular investment is advised to leverage dollar-cost averaging, which helps mitigate market volatility [6] - Cutting expenses is crucial to prevent inflation from eroding savings, and maintaining an emergency fund of 8 to 12 months of expenses is recommended due to potential layoffs [8] - Downsizing may be beneficial to reduce expenses and free up cash [8] - Investors should remain in the market if they have at least five years before needing the funds and diversify their portfolios with high-quality mutual funds, ETFs, or stocks [8] Retirement Planning - Investing in Roth retirement accounts is recommended, with a focus on converting pre-tax accounts to Roths over time to minimize tax burdens [9] - Delaying Social Security benefits until age 70 is advised, or at least until reaching full retirement age [9] - Maximizing contributions to retirement accounts is essential, particularly to take full advantage of company matches [10] - Older individuals should consider long-term insurance to protect savings in case of nursing home needs [10] - Essential legal documents such as wills and trusts should be created to ensure wishes are honored [10]

CZ on DAT Risks: Must Withstand the Winter in Market CyclesAt the Bitcoin Asia 2025, Binance founder Changpeng Zhao (CZ) stated when discussing digital asset treasury companies (DATs) that the DAT model harbors multiple risks. Some public companies boost their stock prices by allocating crypto asset treasuries, yet they generally lack adequate crypto asset management capabilities, and the definition of responsibilities for maintaining complex crypto portfolios is unclear. Some enterprises even direct raised ...