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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).")
_wtf-boom-toy-story.webp "Andrew Clarke")
_up-explained-by-an-idiot-censored.webp "Extra high")
_woman-quit-hinge-to-start-92.webp "A woman quit Hinge to start \")
_wtf-is-this-scene-in-gob-10.webp "Eonix")
_thank-god-full-movie-hd-ajay-devgn-sidharth-malhotra.webp "Thank God Full HD Movie. Bollywood Movie. Ajay Devgn, Sidharth Malhotra, Nora Fatehi.<br/>An egoistic real estate broker in huge debts meets with an accident. As he gains consciousness, he realizes that he is in a game show. CG appears in front of him and informs him that he will have to play a “GAME OF LIFE”.<br/>Thank God Official Trailer<br/>Starring Ajay Devgn, Sidharth Malhotra, Rakul Preet Singh and others<br/>Written by Aakash Kaushik, Madhur Sharma<br/>Directed by Indra Kumar<br/>Produced by Bhushan Kumar, Krishan Kumar<br/>Produced by Ashok Thakeria, Sunir Kheterpal, Deepak Mukut<br/>Produced by Indra Kumar, Anand Pandit, Markand Adhikari<br/>A T-Series Films & Maruti International Production<br/>Ayaan Kapoor is an extremely greedy, selfish and egoistic real estate businessman who is in a debt of ₹16 crores. When he’s in a bad mood, he yells at people and expects them to be nice to him when he’s happy. His day to day life involves carrying out his real estate business in 80% black and 20% white money, visiting a nearby Hanuman temple every Tuesday and Saturday to smear the idol of Hanuman with holy paste, offer laddus, pour oil on the idol and greedily ask for petty things, then watching his favourite actress Nora Fatehi’s songs. He has a booming real estate business, but falls into debt due to the demonetisation, as he has a lot of black money. He wants to sell his mansion to clear his debts but can’t find any buyer and starts living at his wife's house with his wife, Inspector Ruhi, and daughter Pihu.<br/><br/>One day, Ayaan gets involved in a road accident, and regains consciousness in Heaven, where Yamaduta and Chitragupta give him a chance to go back to Earth and survive the accident, by asking him to play a game called Game of Life. He is shown a vision of his physical body currently being in the operation theatre and is told by CG that his surgery will take 5 hours, during which his soul will play the game.<br/><br/>The rules of the game: There are two containers - one for white balls, which represent Ayaan’s positives, and the other for black balls, which represent his sins and weaknesses. The containers would be filled with white or black balls by the residents of heaven (who are the audience members of the game), which will be considered their votes. The votes would be given based on how Ayaan does his virtual tasks and how he behaves in a certain situation which he is put in. If the container with the black balls overflows, he will be sent to hell and if the container with the white balls overflows, he gets to return to earth.")
_pixar-intro-parody.webp "Dropout")
_up-but-they-went-too-high.webp "TheStarFishy")
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