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Posted on 08/21/2025 8:14:36 PM PDT by Cronos
When asked their biggest financial regret in 2025, most Americans said it was not saving enough, according to a new Bankrate poll.
Altogether, 3 out of 4 respondents said they had a financial regret in the past year, with around 40% pointing to regrets tied to savings — whether for retirement, emergency expenses or children’s education — making it the most common theme in this year’s 2,078-person survey.
...1. Put out ‘financial fires’ Before focusing on long-term savings, prioritize putting out “financial fires,” Martin says. High-interest debt such as credit cards or payday loans should be paid down first. “These typically carry rates above 15%, making them a drag on your finances and your retirement goals,” he says.
...2. Build an emergency fund Once your debt is under control, work on building up emergency cash reserves worth three to six months of living expenses, so an unexpected job loss or medical bill doesn’t push you back into debt, Martin says.
...3. Save for retirement Next, focus on retirement. For late starters, that usually means saving more aggressively. “While most people shoot to save 5% to 10% of their income, someone who is trying to catch up should look for ways to boost this savings rate to 20% to 30%,” particularly if you’re starting in your 40s, says Martin.
..“Identify where discretionary dollars are leaking, whether dining out, streaming sprawl, app subscriptions you forgot about, convenience delivery, impulse buys, and lifestyle creep,”
(Excerpt) Read more at cnbc.com ...
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Here’s how the USA can stop this crap. End Socialism! Make people responsible for their actions. Let old people eat dog foot to survive. Until then just embrace the fact that your fellow citizen will bail you out for your terrible decisions in life.
Compound Interest is the 8th Wonder of the World.
I thought it was tax-free municipal bonds. Especially the double-A rating.
I just keep increasing my income, staying well ahead of inflation at 71 so far.
If I can ever figure out how to add a tagline to my profile, it will probably be something like that.
Municipal bonds Ted, I’m talking double A rating. . .
the best investment in America.
I thought it was tax-free municipal bonds. Especially the double-A rating.
Well it is the best investment in America.
You’ve been here since January 15, 2013 and you have not figured out taglines?
When you post ‘Your Reply’
You can see an empty Line immediately
Below your entry “TAGLINE” WHERE You
Can Place You Most Excellent thought !
Thanks, Big Red Badger.
Bitcoin is better. It isn’t able to be controlled by the gov’t at all..well except if they outlaw it because they can’t control it.
Except the deep state is suppressing PMs. They can’t supress Bitcoint without taking the sheets off.
*when ever you post a reply; you can the add, adjust, change, delete, ignore your tagline.
Yes, they are. But they can't do it forever. And eventually, they'll decide to go on the other side of that trade (or the market will decide it for them with a short squeeze). That makes now the time to buy.
They can’t supress Bitcoint without taking the sheets off.
They're already starting. Blackrock owns 5% of MicroStrategy. Wall Street has made Bitcoin ETFs.
The writing is on the wall.
“Until then just embrace the fact that your fellow citizen will bail you out for your terrible decisions in life.”
I have yet to see a Welfare Recipient thank an American for giving them (at gunpoint) their hard-earned money.
Because we aren’t willing to allow old people to eat dog food to survive. Until then we can’t really fix the issue.
They'll fix it when they have to fix it (one day when the gov't budget implodes).
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