As the world continues to debate the essence of what being a Millennial is, the Millennial generation, alternately known as ‘Generation Y’ or ‘Generation Net’, continues to confound those that study the demographic as they come into their own internationally. Defined as those born between the early 80s to early 2000s, there have been many […]
Main Content
Investor Confidence 2025: How Age, Income &Demographics Shape Stock Market Sentiment
Investor confidence entering 2025 presents a mixed yet intriguing picture. On one hand, Americans are more engaged in the markets than they have been in over a decade – nearly 58% of Americans are investing in the stock market, the highest share on record. This resurgence in participation has pushed U.S. stock ownership back to […]
Average American Savings by Age: How Much Money Should I Have Saved?
Whether you’re 25 or 40, it’s natural to wonder: “Am I saving enough?” It’s a question packed with emotion—and often without a clear answer. While everyone’s financial path is different, looking at average American savings by age can offer a helpful benchmark. And if you’re asking “how much money should I have saved by 30?” […]
Investing in the S&P 500: What Your Strategy Should Look Like at 25, 45, and 65
The S&P 500 is one of the most popular tools for long-term investors. . It offers instant diversification, reflects the overall U.S. economy, and has delivered strong returns over time. But while the index itself may stay relatively consistent, it doesn’t mean your strategy should stay the same over time. In this guide, we’ll break […]
Mind the Coverage Gap: Underinsured Americans by Age and Income
Health insurance coverage in the U.S. has expanded in recent years, yet a significant insurance gap remains. Thanks to the Affordable Care Act (ACA) and pandemic-era measures, the uninsured rate fell to around 8% of Americans in 2023 – roughly 26 million people, about half the rate before the ACA. However, simply having insurance is […]
Travel Insurance: A Complete Guide by Age, Trip Type, and Risk
You’re booking flights, scrolling hotel options, maybe adding a rental car—and then it pops up: “Would you like to add travel insurance?” For many people, that’s the moment of hesitation. Do you click yes? is travel insurance worth it? Do you ignore it? Do you even know what it covers? It’s not your fault if […]
Renter’s Insurance: The Overlooked Essentialfor the Renting Generations
For many people, adulthood doesn’t arrive with a mortgage or a baby announcement—it arrives the day you ask, “Wait… who pays for this if my apartment floods?” Welcome to the world of renter’s insurance. It’s one of those grown-up responsibilities that doesn’t get the same attention as health coverage or retirement planning, but if you’re […]
Why I Got Life Insurance in My 30s—and What I Wish I Knew First
It Wasn’t a Crisis That Got Me Thinking—It Was a Conversation I didn’t get married. I didn’t buy a house. I didn’t have kids. But I still bought life insurance in my 30s—and it wasn’t because something terrible happened. It was a simple conversation with a friend, one of those “Am I supposed to have […]
Health Insurance 101: What Actually Matters When You’re Choosing a Plan
Why Choosing a Health Insurance Plan Feels So Confusing If you’ve ever stared at a list of plans during open enrollment and thought, “I have no idea what any of this means,” you’re far from alone. Picking the right health insurance plan can feel like decoding a foreign language filled with acronyms, percentages, and fine […]
Emergency Fund: What No One Tells You About Actually Using It
Most personal finance advice stops at “build your emergency fund.” But what happens when you actually need to use it? For many people, dipping into their emergency savings feels like failure. Others blow through it too quickly and then struggle to rebuild. And some don’t even know what truly qualifies as an “emergency.” This guide […]
Roth IRA, 401(k), or “Hope for the Best”? A Personalized Approach to Retirement Planning
If you’ve ever stared at a benefits form or investment platform thinking, “Should I check Roth IRA? Or is it 401(k)? Or do I just hope for the best?”—you’re not alone. Most people know they should be saving for retirement. But the moment you dive into options, you’re hit with an alphabet soup of accounts, […]
The Psychology of Spending: Behavioral Finance and Why Budgeting Feels So Personal
Budgeting should be simple. Money in, money out, don’t spend more than you earn—right? But for most people, it’s not that simple at all. You set a budget with the best intentions, only to blow it the next weekend. You feel guilty after buying something you don’t need, or worse—you justify it because “you deserve […]
Why I Track Every Dollar—A Practical Approach to Money Management
I don’t track my spending because I’m broke.I track it because I’m deliberate. At some point in my late 20s, after paying off a small mountain of student loans and getting my first “real” job, I stopped living paycheck to paycheck. And yet, something strange happened: I still had no idea where my money went. […]
Average Retirement Savings by Age: Are You on Track at 30, 40, or 50?
Why These Numbers Stress People Out “How much to save for retirement?” This is a question most people don’t ask out loud—but think about all the time. You might see a headline claiming you need six figures saved by your 30s and wonder if you’re hopelessly behind. Or maybe you’re doing okay, but you’re still […]
Millennials FAQ: Frequently Asked Questions about The Millennial Generation
Who are the Millennials? Millennials, also known as Generation Y, are individuals born roughly between 1981 and 1996. What is a Millennial? It is a person born between 1981 and 1996. Why are Millennials called that? They are called that because they came of age at the turn of the millennium, around the year 2000. […]
10 Awesome Gifts for Millennials – Grown-Up, But Still Young at Heart
Ah, millennials. The generation that came of age in the 2000s, survived the financial crisis, and witnessed the evolution of technology—from flip phones to smart devices that now run our lives. They’re tech-savvy, a little nostalgic for the good old days of dial-up internet (especially the geriatric millennial), and love to tweet, stream, and make […]
Geriatric Millennial? Apparently That’s a Thing – And There Are More Millennial Surprises
Ah, Millennials – that magical generation born between 1981 and 1996 who get a bad rap for being lazy, avocado-obsessed, and addicted to their phones. But guess what? They’re not all the same! In fact, Millennials come in all shapes, sizes, and life stages, and it’s time we break down the different types of Millennials […]
Millennials and Quiet Vacationing: The New Way to “Take a Break” Without Taking a Break
Ah, millennials—the generation that witnessed the rise of the internet, made avocado toast a cultural staple, and, apparently, pioneered a new way to take a vacation. Gone are the days when a “vacation” meant packing your bags, booking flights, and getting away from work for a week or two. Now, we have “quiet vacationing,” the […]
Talk the Talk: A Guide to Millennial Slang Words and Phrases
If you were born between the early ‘80s and mid-‘90s, congratulations—you might be a millennial. And if you’ve ever uttered the words “Can’t even,” or “That’s so extra,” you’re definitely fluent in a language that once ruled Tumblr, Facebook, and the golden age of memes. Millennial slang phrases and words were born at the intersection […]
Millennials, Gen Z, and the Decline in US Birth Rate
The number of births in the United States has been steadily declining for over a decade. According to CDC data, in 2007, the country recorded over 4.3 million births—the highest number on record. By 2023, that number had dropped to about 3.6 million. During the same period, the U.S. crude birth rate—the number of births […]
Gen Z Takes Over TikTok – A Generational Breakdown of the Most Popular TikTok Accounts
When it comes to TikTok, one thing is crystal clear: Generation Z has firmly taken the reins. As the platform continues to soar in popularity, the youngest generation in the digital age, born roughly between 1997 and 2012, is shaping the app’s content and driving its viral trends. Whether it’s viral dance moves, hilarious skits, […]