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FORGOTTEN HISTORY: Fidelity | History Defined

How Much Money Should a 45-Year-Old Actually Have Saved Outside a 401(k)?

At 45, retirement stops looking like some distant country on the other side of the map and starts looking like a place that deserves an actual itinerary. That raises an important question: How much money should a 45-year-old have saved outside a 401(k)? There is no magic balance that guarantees…

Clever Dude

Americans' 401(k) and IRA Balances Hit Record Highs. More Workers Are Raiding Retirement Savings for Cash.

The average 401(k) balance reached $155,800, an increase of 13.1% from a year earlier, and IRA balances rose 10% over the same period to a record $144,523.

International Business Times

A record number of millionaires created in US by rock-solid 401(k) market

A $1 million account remains rare for most workers, with the overall average Fidelity 401(k) balance sitting at $155,800 at the end of June

The Independent UK

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401(k) Balances Hit Record Highs, But More Americans Are Raiding Their Retirement Savings

In 2026, US retirement accounts hit record highs, but rising 401(k) loans and withdrawals reveal financial pressures, reflecting a mixed outlook for retirement planning.

International Business Times UK

What is a Junior ISA? Financial expert explains how tax-free savings account can help your children learn about money

Families are increasingly treating JISAs as long-term investment vehicles designed to give children a financial head start when they turn 18

The Independent UK

Should I start a Junior ISA for my child?

Here are the pros and cons to help you work out whether a JISA is right for your child.

The Independent UK

Your Budget Doesn’t Need to Be Perfect—It Needs to Survive Real Life

Creating a budget can feel wonderfully satisfying when every dollar has a job and the numbers line up in neat little columns. Then the car needs a repair, the electric bill decides to get ambitious, or a birthday you absolutely knew was coming somehow sneaks up on the calendar. Suddenly,…

Budget and the Bees

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Would You Rather Save $100 a Month or Cut One $1,200 Annual Expense?

Saving money often gets framed as a test of discipline: skip a purchase here, cook at home there, and somehow those small choices will transform your finances. But if your goal is to save $1,200 a year, there are two very different ways to reach exactly the same number. You…

Budget and the Bees

The Raise That Pushes You Into Spending More Before the First Bigger Paycheck Arrives

Getting a raise should make your finances easier, but there’s a strange period when it can actually tempt you to spend more before you have one additional dollar in the bank. You hear that your salary is going up and suddenly the car you’ve been considering feels affordable, the vacation…

Budget and the Bees

Your Adult Child Is Moving Back Home — Decide These Money Rules Before the Boxes Arrive

When an adult child asks to move back home, saying yes may feel like the easiest part of the conversation. The harder questions often involve money: Will they pay rent, buy groceries, cover utilities, or save toward moving out? Those details matter because an adult child moving back home can…

Budget and the Bees

Your Employer Offers More Than a Salary — 7 Benefits You May Be Leaving Unused

A paycheck may be the most visible part of your compensation, but it is rarely the whole package. Many workers overlook employee benefits that could save them hundreds or even thousands of dollars a year, simply because they never revisit the benefits portal after onboarding. SHRM’s 2026 Employee Benefits Survey…

Budget and the Bees

Two Couples Have $1 Million Saved. Only One Can Comfortably Retire. Here’s Why.

Two couples each have $1 million tucked away for retirement, yet only one may feel comfortable handing in the keys to the office. That sounds strange at first because a million dollars still looks like a very large pile of money, especially when the goal involves leaving work rather than…

The Free Financial Advisor

The “Everyone Thinks I’m Doing Fine” Problem: Why High-Earning Women Can Still Be Financially Fragile

A six-figure salary can make financial security look almost automatic from the outside. Friends may see the job title, house, vacations, or nice car and assume money is the last thing you worry about, even when much of every paycheck is already spoken for. Income certainly helps build wealth—Bankrate’s 2026…

Budget and the Bees

8 Things Women Should Stop Volunteering to Pay For

There is nothing wrong with being generous, especially when helping people you care about. But repeatedly volunteering to cover other people’s expenses can quietly undermine your own financial goals. Fidelity’s 2025 Women & Money Study found that one in five women had no emergency fund or cash savings, making financial…

Budget and the Bees

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Budget and the Bees

You Got the Promotion — But Did You Actually Get a Raise? 7 Costs Women Should Calculate First

Getting promoted should feel like a financial win, but a bigger title does not automatically mean a meaningfully bigger bank balance. A promotion pay increase can disappear surprisingly quickly when longer hours, commuting, caregiving, and lost benefits enter the equation. That matters especially for women navigating a workplace where advancement…

The Free Financial Advisor

A Couple Retires With $1.5 Million. Then the Market Falls 25%. What Happens Next?

A couple retires with $1.5 million tucked away, shuts down the alarm clock for good, and starts planning the good stuff: travel, hobbies, lazy mornings and absolutely no more meetings that could have been emails. Then the stock market drops 25%. Suddenly, that $1.5 million looks a lot less comforting…

Kiplinger

Late-Start Retirement Catch-Up: Is $1K a Month Enough to Build a Secure Nest Egg?

You don't need to cut the cable to retire comfortably. In this week's Wealth Wise advice column, advisers tell a couple with $300K saved how to catch up.

Budget and the Bees

Your Parents Want You to Take Over Their Finances — 8 Questions to Ask Before Saying Yes

When parents ask you to start handling their money, saying yes can feel like the responsible thing to do. But managing parents’ finances can involve far more than paying a few bills or checking a bank balance. You may eventually deal with investments, insurance, taxes, property, creditors, and unexpected care…

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Kids Ain't Cheap

Your Child Got Birthday Money — Should You Let Them Spend All of It?

Birthday cards are opened, cake crumbs are everywhere, and suddenly your child is holding $100 from generous relatives. Their first instinct may be to spend every dollar on toys, games, clothes, or something they spotted online. For parents, birthday money for kids presents an interesting question: Should children have complete…

Budget and the Bees

What Happens to Your Finances When You Become the Family Caregiver?

Becoming the person who drives Mom to appointments, manages Dad’s prescriptions, or helps a spouse through a serious illness can change far more than your weekly schedule. Caregiving can affect your paycheck, savings, retirement contributions, debt, career trajectory, and even the amount of Social Security you eventually receive. The scale…

Budget and the Bees

You’re the One Who Handles All the Money — What Happens If You Suddenly Can’t?

In many households, one person quietly becomes the chief financial officer. They pay the mortgage, monitor bank accounts, renew insurance, file taxes, know which credit card is on autopay, and remember where every important document lives. That division of labor may work perfectly—until an illness, accident, hospitalization, or other emergency…

Kids Ain't Cheap

Should Parents Charge Adult Kids Rent When They Move Back Home?

Moving back home as an adult is no longer unusual. In 2023, 18% of Americans ages 25 to 34 lived in a parent’s home, according to Pew Research Center, and housing costs, job changes, student debt, divorce, and saving for a home can all make returning to the family home…

Budget and the Bees

The Divorce Expense Women Rarely Budget For: Rebuilding an Entire Household

Divorce budgets tend to have some obvious line items: attorneys, court costs, housing, insurance and perhaps the cost of selling or refinancing a home. Then someone moves into a new apartment or house and realizes she doesn’t own a can opener.

Budget and the Bees

Your Adult Kids Know You Have Money — 7 Boundaries to Set Before It Becomes the Family Safety Net

Having enough money to help your adult children can feel like a blessing—until occasional help quietly becomes an expectation. Recent research underscores how common this is: Pew Research Center reported in 2026 that 56% of parents with adult children had provided them financial support during the previous 12 months. Meanwhile,…

The Free Financial Advisor

Should You Stop Reinvesting Dividends After You Retire?

Should you stop reinvesting dividends after you retire? Not necessarily, because retirement changes what your portfolio needs to accomplish, but it does not automatically turn every dividend into spending money. Reinvesting can keep building your portfolio, while taking dividends in cash can help cover expenses without selling investments.

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