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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).")
_channa-ve-revibe-124-akhil-sachdeva-124-bhoot-part-one-the-haunted-ship-124-vicky-k-amp-bhumi-p.webp "Akhil Sachdeva Nasha")
⏲ 2 minutes 45 seconds 👁 1M
_ramaiya-vastavaiya-full-movie-2013-124-girish-kumar-shruti-haasan.webp "Phatu Creative")
⏲ 3 hours 2 minutes 45 seconds 👁 3.6K
_london-pub-inundated-with-taylor-swift-fans-after-shoutout.webp "A London pub has been given a shoutout by Taylor Swift in her new album prompting visits from the singer's fans. <br/> <br/>The Black Dog in Vauxhall, referred to as 'some bar' in Swift's song, is so busy that at times it is turning people away. Report by Alibhaiz. Like us on Facebook at http://www.facebook.com/itn and follow us on Twitter at http://twitter.com/itn")
_coolie-thalaivar171title-teaser-reactiom-124superstar-rajinikanth124-sun-pictures124-lokesh124-anirudh124ody.webp "ODY Reaction")
COOLIE-#Thalaivar171 Title Teaser-Reactiom |Superstar Rajinikanth| Sun Pictures| Lokesh| Anirudh|ODY
⏲ 7 minutes 11 seconds 👁 6.9K
_amy-winehouse-live-in-concert-3-of-the-best-songs.webp "Ronnie and the Magic Dogs")
_six-things-all-new-road-bikes-should-have.webp "Over the past few years we've seen some bike makers step backwards in the technology that they're building into their bikes. However, we think that it could be taken another step further. We don't think anyone would ever complain about having a threaded bottom bracket, a 27.2 seatpost and a bar and stem which is easily adjustable and interchangeable should the desire strike them. In theory, the things listed in this video should actually be seen as upgrades as current bike tech can be slightly temperamental.")
_wife-cheats-on-husband-with-his-best-friend-124-nijo-jonson.webp "Nijo Jonson")
_surge-of-chinese-migrants-crossing-southern-border-into-the-u-s.webp "NBC News")
_take-a-tour-around-the-exciting-new-development-at-eckersley-mill.webp "We take a tour around theMill 1, part of Eckersley Mills development, off Swan Meadow Road, Wigan.The Grade II listed building is being developed by the Heaton Group, as phase one is underway to create a food hall, roof-top bar and co-working office space, as part of the project The Cotton Works, a new 16-acre urban neighbourhood, with housing, hotels, leisure areas and landscaped spaces, a place to live, work, trade, shop, eat and drink. <br/>")
_39-39-124-youtuber-mithila-124-rakib-hossain-124-ontora.webp "Somoy Entertainment")
⏲ 10 minutes 39 seconds 👁 3.1K
_doraemon-new-episode-23-04-2024-episode-12-doraemon-cartoon-doraemon-in-hindi-doraemon-movie.webp "RAXGAMING")
⏲ 22 minutes 11 seconds 👁 3.3K
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