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_over-40-of-americans-have-no-clue-what-a-401k-is.webp "Almost half of Americans don’t know what a 401(k) is, according to a recent poll. <br/><br/>A national survey of 2,000 Americans, evenly split by generation, revealed that 43% of respondents don’t know what a 401(k) is. The survey examined Americans’ financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures. <br/><br/>The results revealed a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia.<br/><br/>And over a third (35%) don’t know what “interest” is in a financial context. <br/><br/>The study, commissioned by Beyond Finance for Financial Practice Week and conducted by OnePoll, revealed that despite these startling knowledge gaps, only two in five respondents (39%) consider themselves more financially literate than others. <br/><br/>Four in 10 Americans (39%) admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to procrastinate (49%) while baby boomers are least likely to procrastinate (22%).<br/><br/>The top reasons respondents cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can’t get any worse (16%) and forgetfulness (13%).<br/><br/>“Unfortunately, avoiding looking at your finances and making healthy changes is incredibly common,” said Dr. Erika Rasure, chief financial wellness advisor of Beyond Finance, which can be overwhelming. Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There’s a middle ground to take when improving your financial health — learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.” <br/><br/>The study revealed the average American typically checks their banking app twice daily. Exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%). <br/><br/>In comparison, baby boomers feel the most calm (26%) and over a quarter of all respondents avoid signing into their banking apps on a daily basis, at all (26%). <br/><br/>Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget with millennials and baby boomers tying for the best-laid financial plans (81%). <br/><br/>Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability (76%) and Gen Z deviating the most from their budgets (58%). <br/><br/>For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%). <br/><br/>However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%), rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%).<br/><br/>Notably, 33% of respondents said they never take vacations.<br/><br/>Finances also influence relationships: Nearly four in ten (39%) reported that their or their partner’s unhealthy spending habits have negatively affected their relationship.<br/> <br/>A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<br/><br/>“The first step in a happier financial future is education,” said Dr. Rasure. “The more you know about money and personal finances, the more equipped you’ll be to make better decisions and create a plan to meet your goals. That’s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they’ve been putting off so they can make progress toward a more stable, optimistic future.” <br/><br/>Survey methodology:<br/>This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll, whose team members are Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR) and the European Society for Opinion and Marketing Research (ESOMAR).")
_eng-sub-gap-the-series-124-ep-10-2-4.webp "IDOLFACTORY OFFICIAL")
_eng-sub-gap-the-series-124-ep-10-4-4.webp "IDOLFACTORY OFFICIAL")
_one-in-five-women-believe-investing-is-for-men-research-reveals.webp "One in five women believe investing is only for men, research has revealed. <br/><br/>A poll, of 2,000 adults, found 74 per cent of females are more inclined to save their money, than attempt an investment (12 per cent). <br/><br/>Whereas only 63 per cent of men would put spare money into a savings account - with 21 per cent putting it in the stock market instead. <br/><br/>The gender pay gap (27 per cent) and access to financial education (15 per cent) were among reasons it's seen as a preserve for men. <br/><br/>However, 77 per cent of women would be interested in learning more about how to get started in investing.<br/><br/>And 47 per cent of men and women polled admitted they have no idea exactly how much money is in their pension pot. <br/><br/>The research comes as Bake Off star Candice Brown revealed her tops tips to make her money go further, including extreme meal prepping and bulk buying key items.<br/><br/>Other advice included evaluating when you last used your subscription platforms, religiously using cashback sites and freezing leftovers. <br/><br/>Candice Brown, who is working with pension provider Nest, which commissioned the research, said: “So many people don’t seem to know where their money goes. <br/><br/>“It took me a long time to really get to grips with what I was doing with my money, I didn’t think it would be easy to invest. <br/><br/>“It’s something I wish I’d done much sooner, before Bake Off changed my life. <br/><br/>“My employees all have Nest pensions so it was great to teach more members that they are actually investors themselves.” <br/><br/>The study found women are slightly more afraid of losing money in a bad investment than men (57 per cent vs 45 per cent). <br/><br/>But 35 per cent of females think improved financial education in schools would help boost the nation’s knowledge. <br/><br/>While 23 per cent would like to see a government initiative brought in to help people learn more about the process. <br/><br/>In terms of the ethics of investing, men and women are equal in considering it very important their investments are made in a positive way for the world (19 per cent). <br/><br/>Across all adults, only 12 per cent would describe themselves as very confident in starting to invest in something new to them. <br/><br/>Elizabeth Fernando, of Nest, which invests member’s monthly contributions into everyday brands, said: “Investing is for everyone. <br/><br/>“The cliché of the 1980s City broker in a pin stripe suit and red braces is almost always a male figure - but that stereotype is old and changing all the time. <br/><br/>“A pension can be an efficient way to save and invest money for the long term. If you have a pension, you’re already an investor. <br/><br/>“Investing knows no gender - it's about making informed choices and decisions to reach your financial goals. <br/><br/>“By breaking down stereotypes and promoting financial literacy, we can ensure that everyone has the chance to benefit from the opportunities that investing offers.\")
_hermitcraft-10-episode-14-more-ores.webp "Grian")
_freenbeck-leaning-on-each-others-heads-like-that-okay-i-get-it-kissing-freenbeckyforever.webp "The Unseen World")
⏲ 9 minutes 27 seconds 👁 2.5K
_chloe-amp-nico-kissing-scene-elite-netflix-season-7-124-mirela-bali.webp "Flashback Cinema")
_up-next-on-the-amazing-digital-circus.webp "GLITCH")
_i-created-a-post-apocalyptic-airline-in-fly-corp.webp "Real Civil Engineer")
_isadora-pompeo-azeite-ao-vivo.webp "Isadora Pompeo")
_20221022saint-sup-freenbecky-kiss-shooting-behind-sense.webp "vangoo")
_eng-freenbecky-can-your-couple-be-for-real-f-i-don39t-know.webp "FreenBeckyllNaN")
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