Americans, it seems, are spenders. Personal savings rates are low and many people spend beyond their means. If you’re among those Americans who can’t seem to save, it might be time to create a budget. A budget allows you to understand where the money goes and may help you free up cash for important savings […]

Credit was once defined as “Man’s Confidence in Man.” But in fact, the definition of credit today is more like “Man’s Confidence in Himself.” Using credit today means you have confidence in your future ability to pay that debt. Forty years ago, your parents may have paid cash for their homes and their cars, a […]

While millennial women are breaking cultural norms and diving into entrepreneurship headfirst, baby boomers are often more reluctant to take the risks of their younger colleagues. In fact, on a whole, women invest 40 percent less[1] than men and own just 39 percent[2] of privately held firms. This is despite the fact that women consistently […]

The end of a marriage is also the beginning of a new financial life. Reconsidering your financial arrangements — whether or not your income will be reduced — should be a priority as you adjust to your new circumstances. Some of the major issues that may require your attention are discussed below. Retirement Issues The […]

Young adults born between 1960 and 1980, so-called “post boomers” or “Generation Xers,” face a variety of challenges in their quest for financial security—especially those preparing to get married. Some of these challenges are similar to those faced by previous generations, while others are unique to the times. If you are a Generation Xer “on […]