Key Points A 65-year-old retiring today could spend $165K on healthcare according to Fidelity research. Delaying Social Security past full retirement age increases payments by 8% annually until age 70. HSAs offer tax-deductible contributions plus tax-free growth and withdrawals for medical expenses. Investors rethink ‘hands off’ investing and decide to start making real money As you approach retirement, one of the most crucial challenges is maximizing your savings. And you can do that by cutting ...

Core Insights - Gigs and AT&T have partnered to revolutionize the delivery of phone plans to US consumers [1] - The collaboration allows technology brands to integrate connectivity directly into everyday apps used by customers [1] - This initiative sets a new standard for mobile services, enabling phone plans to be activated in seconds and managed within applications [1] - The service is supported by fully automated, AI-driven technology [1]

Company Overview - Klarna is set to debut on the stock market with an IPO, having sold 34.3 million shares at $40 each, resulting in proceeds of $200 million and a market value approaching $14 billion [2][8] - The company pioneered the buy now, pay later (BNPL) financing model, which has gained significant popularity over the last two decades [3][5] Market Context - Klarna's IPO was delayed from April due to market volatility caused by new tariffs, but the company has since expanded its services [4][5] - The BNPL sector has seen increased competition, with other firms like Affirm and Afterpay also offering similar services [6][8] Financial Performance - Klarna traditionally generated revenue by charging merchants for risk evaluation and through interest on short-term loans, but has recently diversified into more traditional banking products [5] - The estimated value of Klarna has varied significantly over the past few years, ranging from $6.7 billion to $45.6 billion [6] Competitive Landscape - Affirm, a key competitor, has a market capitalization exceeding $28 billion and reported $876 million in revenue last quarter [7]