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☆ Not having children 'breaks' traditional financial planning, says CFP—8 money rules for childfree people
▼ + stars: | 2023-12-05 | by ( Ryan Ermey | ) www.cnbc.com time to read: +8 min

If you don't have children — and don't plan on having any — the normal rules of personal finance don't necessarily apply to you. Unless you have major financial obligations your spouse couldn't bear if you died, "it's very rare that childfree people will need life insurance," says Zigmont. Another major consideration: long-term care insurance. "[Considering long-term care insurance] something I want people to be doing by about their mid-forties. And the reason for that is that's when long-term care insurance is the most reasonable.

Persons: Jay Zigmont, Dave Ramsey, Zigmont, childfree, —, It's, Dad You've, You'll Organizations: Genworth, Medicaid

watch nowHigh schools have been buzzing about financial education. They earned an "A" because in those states, high school graduates in the class of 2023 were required to have taken a personal finance course before graduation. Studies show personal finance education can make a significant difference in young adults' financial behaviors, from improving credit scores and lowering loan delinquency rates to reducing payday lending and helping students make better decisions about college loans. A few states still have 'virtually no requirements'Meanwhile, four states — California, Connecticut, Massachusetts and South Dakota — as well as Washington, D.C., got failing grades, receiving "F"s in this report because they have "virtually no requirements" for personal finance education in high school. Still, advocates in "failing" states, such as California, are working to change the laws to ensure students are guaranteed financial education.

Persons: Virginia —, John Pelletier, Champlain, " Pelletier Organizations: Center for Financial, Champlain College, Champlain College's Center, Financial, South Dakota —, D.C Locations: Burlington , Vermont, — Alabama, Iowa , Mississippi , Missouri , Tennessee , Utah, Virginia, U.S, — California , Connecticut , Massachusetts, South Dakota, Washington, California

☆ Gen Z women spend more on TikTok as app 'drives consumption,' analyst says
▼ + stars: | 2023-12-04 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +4 min

Filippobacci | E+ | Getty ImagesGen Z women are driving spending trends on TikTok. "TikTok is a Gen Z women-centric app and it is setting the tone and the narrative for what is 'hot' online," said Ellyn Briggs, a brands analyst at Morning Consult. A larger share of Gen Z women, 75%, use TikTok compared to their male counterparts, 62%, a separate Morning Consult report found. Sophia Bera Daigle certified financial plannerSocial media platforms like TikTok take the concept to a different level, especially for Gen Z. Two money guardrails for 20-something womenExperts say it's important for young women in their 20s to remember the following two things when it comes to observing their contemporaries exhibiting expensive lifestyles: 1.

Persons: Ellyn Briggs, Briggs, TikTok, Z's, Shaun Williams, boomers, Williams, Sophia Bera Daigle, FOMO, Gen Zers, LendingTree, Daigle, guardrails, it's, They're Organizations: Morning, Paragon Capital Management, CNBC, Gen, CNBC FA Locations: Denver, Austin , Texas

☆ There is still time to reduce your tax bill or boost your refund before year-end. Here are some moves to consider, experts say
▼ + stars: | 2023-12-03 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +4 min

Vesna Andjic | E+ | Getty ImagesWith roughly one month left in 2023, there's still time to reduce your tax bill or boost your refund, experts say. In 2018, the Tax Cuts and Jobs Act nearly doubled the standard deduction, slashing the number of filers who itemized. Make the most of your tax bracketBefore completing a year-end strategy that adds to your income, you should see if you can afford to "run up the income tax brackets," Dietz said. Pretax IRA contributions : You can still make up to $6,500 in pretax IRA contributions ($7,500 for age 50 and older) for 2023, which may offer a deduction. However, you need to check IRA tax break eligibility first.

Persons: Vesna Andjic, there's, Akeiva Ellis, deferrals, Ellis, Robert Dietz, Dietz, It's, Louise Cochrane Organizations: Vanguard, Taxpayers, Bernstein Private Wealth Management, — Locations: Boston, Minneapolis, Alameda , California

But is there a way to figure out exactly how much you should save each month? Around 20% of your income (after taxes) is a good amount to save each month, according to the 50-30-20 budget and 70-20-10 budget. Over time, you can may find that you can save more each month — going from $20 to $30, and so forth. A person with that income would need to save around $660.50 per month if they are using the 50-30-20 budget rule. The amount each person should save per month will likely depend on their savings goals and current budget, though.

Persons: Patrina Dixon, Dixon, You'll Organizations: Quicken, Fidelity Investments, United States Census Bureau, Consumer Finances Locations: CFEI, U.S

☆ Target date funds: What are they and should you invest in one?
▼ + stars: | 2023-12-02 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +5 min

New York CNN —If you are in a 401(k) plan at work, you very likely have the option to invest in a so-called target date fund, which also may be called a retirement date fund or a lifecycle fund. At the end of 2020, the vast majority of plans (86%) offered target date funds, and 59% of 401(k) participants had money invested in one. Typically a target date fund is a “fund of funds” – meaning its portfolio is made up of both stock funds and bond funds selected by the manager. It is especially critical in your 50s to revisit your fund’s glide path to (and possibly after) the fund’s retirement date. “If you’re an overanalyzer or overthinker, or you don’t want to worry about it, target date funds are for you,” Sharick said.

Persons: Madison Sharick, Madi, Bryan Minogue, Minogue, fund’s, Sharick, Stacy Miller, ” Miller, “ it’s, –, ” Sharick Organizations: New, New York CNN, Research Institute, Kardinal Locations: New York, U.S, Tampa , Florida

☆ Here are some last-minute options to spend down your flexible savings account ‘use-it-or-lose-it’ funds
▼ + stars: | 2023-12-01 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +4 min

It's common for workers to not know what their employer's FSA rules are. Stock up on over-the-counter medications The CARES Act of March 2020 removed prescription requirements to use FSA funds for many over-the-counter medicines. Buy certain skin care products You can use your FSA savings for eczema-approved creams and lotions. Plan ahead for a new baby New and expectant parents can use their FSA funds for baby products such as diaper rash cream, baby breathing monitors and baby sunscreen. How to use FSA funds wisely

Persons: Tom Werner, Digitalvision, Carolyn McClanahan, Jake Spiegel, you've Organizations: Getty, Planning Partners, CNBC's, Research, CNBC, Invest, Garmin, IRS Locations: Jacksonville , Florida

Tom Werner | Digitalvision | Getty ImagesIf you elected not to participate in your company's 401(k) plan, your employer may have other ideas. The concept of 401(k) plan "reenrollment" has been gaining traction. Most companies, about 85%, direct workers' savings into target-date funds if they're automatically enrolled, according to PSCA data. Workers receive a notification from their employer ahead of reenrollments and have the chance to opt out or reduce their contribution. Employers' hope is that inertia will cause workers to stay in the plan rather than opt out.

Persons: Tom Werner, Digitalvision, reenrollments, Sean Deviney, they're Organizations: of America, Workers, Employers Locations: Fort Lauderdale , Florida, reenrollments

Though aerospace and defense funds understandably haven't done well in this year's faltering market, some individual stocks have posted substantial gains. U.S. support in what's turning out to be a long war in Ukraine will likely push overall contractor spending higher, benefitting aerospace and defense companies. In this era of high-tech warfare, when strategic military engagement is more about digital systems and aerial weapons than boots on the ground, aerospace and defense companies are advantageously positioned. Lucrative products include fighter jets, helicopters, parts for them, avionics products, missile guidance system, drones and anti-drone technology and support services. Curtiss-Wright Corp (CW) Projected five-year annual earnings growth: Data was not available.

Persons: Lockheed Martin, Giuseppe Cacace, Northrup Grumman, Howmet's, Wright, Woodward, Gerald R, Ford Organizations: US Air Force, USAF, Lockheed, Maktoum International Airport, Afp, Getty, U.S, Publicly, General Dynamics, TransDigm, Inc, Parsons Corp, U.S . Department of Defense, Missile Defense Agency, State Department, Department of Homeland Security, Department of Energy, Federal Aviation Administration . Products, Aerospace, Curtiss, Wright Corp, CW, N.C . Products, Woodward Inc, Huntington Ingalls Industries, Coast Guard, Ford, Pentagon Locations: Dubai, Al, Maktoum, Ukraine, Israel, Gaza, what's, Virgina, Washington, Davidson, N.C, Fort Collins , Colorado

"We were an early adopter," said Morgan, who served as past president for Tennessee Jump$tart, an independent affiliate of the national Jump$tart Coalition for Personal Financial Literacy, which championed the policy. While financial literacy has long been a priority, the Covid-19 pandemic sparked a wave of state-level legislation nationwide, said Morgan, who also served on the board of the Tennessee Financial Literacy Commission. "The work is never done," said Bill Parker, director of the Tennessee Financial Literacy Commission, which aims to incorporate personal finance into schools "as early as possible." Bill Parker Director of the Tennessee Financial Literacy CommissionThe Commission has outlined priorities in its five-year strategic plan, which has included thought leadership and state-level advocacy for expanded financial literacy programming. Numerous studies have highlighted the benefits of teaching children financial literacy at an early age.

Persons: chris Ryan, Istock, Jackie Morgan, Morgan, We've, there's, Bill Parker, Parker Organizations: Federal Reserve Bank of Atlanta's, Tennessee, Tennessee Financial Literacy, U.S, Finance, Council for Economic Education, Tennessee Financial Literacy Commission, Tennessee Financial Locations: —, Tennessee, Federal Reserve Bank of Atlanta's Nashville, U.S, , Tennessee

☆ Investors piled cash into money market mutual funds in 2023 — and now could see a higher tax bill
▼ + stars: | 2023-12-01 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

If you funneled cash into money market mutual funds in 2023 amid rising interest rates, you may have a surprise tax bill in April, experts say. Investors and institutions have piled $5.84 trillion into money market mutual funds, as of Nov. 29, according to the Investment Company Institute, and many funds are paying well over 5%. "With pennies earned in 2022 on cash assets, the tax bill was negligible," said certified financial planner Robert Schultz, senior partner at NWF Advisory Group in Encino, California. Here's whyWith yields closely tied to the federal funds rate, money market funds — different than money market deposit accounts — are mutual funds that typically invest in shorter-term, lower-credit-risk debt, such as Treasury bills. Many investors are stockpiling money into these funds due to "fear in the stock market" and many are nervous to spend cash, according to CFP Colin Day, an enrolled agent at Correct Capital in St Louis.

Persons: Robert Schultz, Colin Day Organizations: Investment Company Institute, NWF, Finance, Stanford Locations: Encino , California, St Louis

☆ How giving away some winning stocks can help cut taxes and balance your portfolio
▼ + stars: | 2023-11-29 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +4 min

But rather than just selling out of those stocks to help dilute those holdings, consider donating a few shares to charity. But giving some away duts the size of the position in a portfolio and skirts capital gains taxes. Those stocks are up more than 200% and 62%, respectively, this year, and are good candidates for some charitable giving, she said. Investors are encouraged to get to know the charitable giving deduction. Investors can also simplify their charitable giving by making direct gifts of appreciated assets to a donor-advised fund.

Persons: you've, Barry Glassman, Glassman, Brenna McLoughlin, Eli Lilly, McLoughlin, you'd, Cash, Tim Steffen, Steffen Organizations: Nasdaq, Nvidia, Tesla, Wealth Services, Wealthstream Advisors, Meta, Apple, Microsoft, Investors, Baird Locations: North Bethesda , Maryland, New York, Milwaukee

☆ 'Women's No. 1 source of stress is money,' expert says. Fixing that requires a step-by-step approach
▼ + stars: | 2023-11-29 | by ( Lorie Konish | ) www.cnbc.com time to read: +3 min

While men are most commonly say they are "hopeful" when it comes to money, women's number one word for their financial feelings was "stress," according to a 2023 Fidelity Investments survey. 1 source of stress is money," Sallie Krawcheck, CEO of Ellevest, an online investing platform for women, told CNBC in a recent interview. watch nowThere are a reasons why women's financial concerns are more acute. Consequently, women's top goal is to shore up the wealth they're lacking, while their second priority is taking care of their families, she said. A step-by-step approach works bests, according to Stacy Francis, a certified financial planner and president and CEO of Francis Financial in New York.

Persons: Sallie Krawcheck, Krawcheck, Cary Carbonaro, Carbonaro, Stacy Francis, Francis Organizations: Fidelity Investments, CNBC, ACM Wealth, Francis Financial, CNBC's FA Locations: New York, CNBC's

☆ 47% of Americans say inflation will affect their charitable giving—how to donate without breaking the bank
▼ + stars: | 2023-11-28 | by ( Annie Probert | ) www.cnbc.com time to read: +1 min

With high prices continuing to squeeze budgets, 47% of Americans say their charitable giving will be affected by inflation as the holidays approach, a recent WalletHub survey found. WalletHub's finding comes amidst a larger drop in individual charitable giving: Last year, Americans gave the smallest percentage of their disposable income to charity in nearly three decades, according to data from Giving USA. But this year, figuring out how you can donate may be difficult. 1 is to make sure that you're meeting all of your own basic needs," she says. As we enter giving season, here are three tips for those looking to donate to charity without breaking the bank.

Persons: Sara Young, Young Organizations: CNBC

☆ How to make your money work for you over the next decade
▼ + stars: | 2023-11-28 | by ( James Faris | William Edwards | ) www.businessinsider.com time to read: +16 min

"If there is a regime shift, then what has worked could be quite different from what does work," McLennan said. That means the growth stocks that dominated for years may come back to earth in the mid-2020s. He also recommends that investors diversify away from growth stocks that thrived under low rates and instead broaden out to value-oriented names. Valuations explain 80% of a stock's returns over a decade, according to Bank of America. Smead sees energy in stocks in Canada also outperforming in the coming decade, as well as European banks.

Persons: —, Peter Bates, Rowe Price, Damanick Dantes, We're, Dantes, you've, He's, Matt McLennan, McLennan, Kimball Brooker, Morningstar, Nicola Stafford, Stafford, it's, Molina, Bates, Russell, Cole Smead, that's, Phillip Colmar, Colmar, Bob Doll, Doll, Smead, Michael Sheldon, Sheldon, who's, there's, Chris Chen, Chen, Roth Organizations: Service, Business, Global, International, McLennan, First Eagle Global Fund, Eagle Investments, Goldman, Asset Management, Stock, Molina Healthcare, Vanguard Value, Healthcare, Bank of America, Comerica Wealth Management, MRB Partners, Canadian, Crossmark Global Investments, BlackRock, Energy, P Bank ETF, RDM Financial, Social Security, Social, Insight Financial, Trust, IRA Locations: Canada, Colmar, United States, Canadian, Europe, Treasuries

☆ It’s holiday season. That means layoffs for some
▼ + stars: | 2023-11-28 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +8 min

But they bring an extra bite when they are carried out during the holiday season. How does your employer’s severance policy compare? US employers are under no legal requirement to provide severance unless you are under a contract that provides for it. Check your employer’s severance policy: See if your employer has posted its severance policy on the company’s internal site. That’s a big jump from the average that employees pay today for workplace health coverage: 28% of the total cost for family coverage and 17% for single coverage.

Persons: Charles Schwab, “ We’ve, ”, Andrew Challenger, Challenger, Randstad, let’s, Tiffany Aliche, Aliche, “, Ann Minnium, You’re Organizations: New, New York CNN, Citigroup, Vice Media, Continental, Challenger, National Labor Relations Board Locations: New York

☆ 4 ways to maximize your tax break for charitable donations on Giving Tuesday, according to experts
▼ + stars: | 2023-11-28 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +3 min

Getty ImagesWhen filing your taxes, you claim the larger of the standard deduction or your total itemized deductions. In 2018, the Tax Cuts and Jobs Act nearly doubled the standard deduction, slashing the number of filers who itemized. For 2023, the standard deduction is $13,850 for single filers and $27,700 for married couples filing jointly. Give profitable assetsWhether you're transferring money to a donor-advised fund or giving directly to a charity, experts recommend sending profitable assets, rather than cash. Bunching donationsAnother way to exceed the higher standard deduction is by bunching donations, which is a popular strategy for donor-advised funds, experts say.

Persons: Juan Ros, Michael Maye, Maye, bunching, Mitchell Kraus Organizations: Financial Management, Financial, MJM Financial, Capital Intelligence Associates Locations: Thousand Oaks , California, Gillette , New Jersey, Santa Monica , California

However, you may still owe taxes if you made a profit on resold Taylor Swift tickets, experts say. While third-party payment apps won't report as many business transactions to the agency this year, you are still required to pay taxes on profits, including resold concert tickets. "The big thing this past year was selling Taylor Swift concert tickets," said certified financial planner Tommy Lucas, an enrolled agent at Moisand Fitzgerald Tamayo in Orlando, Florida. 'If you want to follow the law ... report it'Ticket profits have always been taxable, and this may affect those who resold Taylor Swift concert tickets this summer. Keep copies of your purchase receipts for goods you later resell, such as those Taylor Swift tickets, since tax liability will be based on your sales proceeds minus the original purchase price.

Persons: Taylor Swift, Buda Mendes, tas23, Tommy Lucas, Moisand Fitzgerald Tamayo, Swift, Taylor, Lucas, James Guarino, Baker Newman Noyes, it's, Albert Campo Organizations: Getty, IRS, PayPal, TicketMaster, Accounting Services, CNBC Locations: Orlando , Florida, Boston, New Jersey

☆ 'You can't trust your instincts,' says financial psychologist—here's how to avoid emotional spending
▼ + stars: | 2023-11-27 | by ( Annie Probert | ) www.cnbc.com time to read: +2 min

When it comes to emotional spending, "the deck is stacked against us," says financial psychologist and certified financial planner Brad Klontz. Roughly 75% of both millennials and Gen Z admit to emotional spending, possibly because they're less likely to think about their retirement funds when clicking "buy." "But as you're pulling the trigger, you're pretty excited about this thing you're buying." While emotional spending is a common habit, it's not one you want to turn into a bigger problem. Nearly 40% of emotional spenders say they've gone into debt because of it, and Klontz warns of the stress that emotional spending can put on your finances and relationships.

Persons: Brad Klontz, Gen Z, they're, That's, Klontz, spender Organizations: CNBC

☆ More employers offer a Roth 401(k) — and a Secure 2.0 change may prompt more workers to use it
▼ + stars: | 2023-11-27 | by ( Greg Iacurci | ) www.cnbc.com time to read: +4 min

That share has increased significantly over the past decade: Just 58.2% of employers made a Roth 401(k) available in 2013, PSCA found. Workers pay tax up front on 401(k) contributions, but investment growth and account withdrawals in retirement are tax-free. High earners may also mistakenly think there are income limits to contribute to a Roth 401(k), as there are with a Roth individual retirement account. Those that don't already do so must allow Roth contributions to facilitate this change, or disallow catch-up contributions, according to Principal. When Roth 401(k), IRA savings makes senseRoth 401(k) contributions may not be wise for all workers.

Persons: Roth, PSCA, Hattie Greenan, —, Greenan, Ted Jenkin, Jenkin Organizations: Getty, of America, Finance, Workers, Companies, Employers, CNBC, CNBC's

☆ Rates may have hit their peak. How to get the biggest bang out of cash heading into 2024
▼ + stars: | 2023-11-27 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +5 min

"It's important to keep sharing this idea to do something with your cash; these rates won't be here forever." Municipal money market funds Rather than tying up money in CDs or T-bills, Sachs prefers municipal money market funds for investors in the highest income tax brackets. Vanguard's Municipal Money Market Fund (VMSXX) has a 7-day SEC yield of 3.53% and carries an expense ratio of 0.15%. Residents in high-tax locales may also want to consider state-specific muni market funds, which have the additional benefit of providing income that's free of state taxes. For instance, there's the Vanguard California Municipal Money Market Fund (VCTXX) and the Fidelity New York Municipal Money Market Fund (FSNXX) .

Persons: –, Catherine Valega, Sallie Mae, Jeremy Keil, Keil, There's, Charles Sachs, Kaufman, Sachs, Michael Bloom Organizations: Federal, Green Bee, Synchrony, Financial, Keil Financial Partners, Federal Deposit Insurance Corp, FDIC, ., CFP, Money Market Fund, SEC, Residents, Vanguard, Fidelity New York Municipal Money Market Fund Locations: Winchester , Massachusetts, New Berlin , Wisconsin, Miami, Vanguard California

Financial planners say that dividends from the stock market are often overlooked for passive income. Buying an established small business can generate passive income quickly. If you want to start generating passive income, it might be easier than you think. Here are three ways financial advisors suggest getting into passive income. "Dividend income is definitely one major source of passive income that a lot of my clients have," she told Personal Finance Insider.

Persons: —, Akeiva Ellis, It's, Brent Weiss, Weiss, he's, I've, Get Organizations: Financial, Service, Finance, SEC

☆ The wealthy are using this charitable giving strategy. Here's why it may work for you too
▼ + stars: | 2023-11-27 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

The Matthew Perry Foundation is structured as a donor-advised fund, according to its website, a charitable investment fund that experts say offers certain advantages. Donor-advised fund charitable assets represent 20% of those in private foundations, according to National Philanthropic Trust's 2023 annual report. watch nowWhile wealthy donors may have both a foundation and a donor-advised fund, many are moving to just donor-advised funds, according to Douglas. "With a donor-advised fund, what it does is more streamlined," O'Neill said. Advantages of using a donor-advised fundFor all donors, regardless of income, there may be benefits to using a donor-advised fund.

Persons: Matthew Perry, Phillip Faraone, Matthew Perry's, Perry, Charlie Douglas, Matthew Perry Foundation's, Douglas, Brandon O'Neill, O'Neill Organizations: GQ, The West, Matthew Perry Foundation, HH, Investments, National Philanthropic Trust, Philanthropic Trust, Fidelity Charitable Locations: West Hollywood , California, Atlanta

☆ More Americans can buy investments earmarked for the rich. Why doing so may be risky, say experts
▼ + stars: | 2023-11-25 | by ( Greg Iacurci | ) www.cnbc.com time to read: +7 min

Anyone can generally buy the stock of public companies on a stock exchange, or buy pools of stocks or bonds via publicly available mutual funds and exchange-traded funds. By comparison, private investments let people invest in companies that aren't listed on a public exchange. Julio Estela, 41, who lives in Wantagh, New York, made his largest private investment in 2021, in Green Coffee Company. Why private markets are 'two-tiered'Hxyume | E+ | Getty ImagesSome of the largest U.S. investors, such as pension funds, often have some exposure to private investments, proponents say. As with public stock, betting on one private investment instead of pooling risk in a fund of many private companies is an even riskier strategy, experts said.

Persons: Micah Hauptman, Charles Failla, Cassandra Borchers, Thompson Hine, Borchers, it's, Michael Cembalest, Mike Curtis, Shaka Tea, Julio Estela, he's, Curtis, Estela, Hauptman, Failla Organizations: SEC, Consumer Federation of America, Sovereign Financial Group, Sovereign Financial, Morgan, Wealth Management, Shaka, Green Coffee Company, rehabbing, American Investment Council, Pensions, Cambridge Associates Locations: Honolulu , Hawaii, Wantagh , New York, Hawaii

☆ This tax-smart charitable donation strategy is like 'hitting two birds with one stone,' advisor says
▼ + stars: | 2023-11-24 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

The strategy, known as qualified charitable distributions, or QCDs, allows retirees to transfer money from an individual retirement account to an eligible nonprofit organization. "It's like hitting two birds with one stone," said certified financial planner Sean Lovison, founder of Philadelphia-area Purpose Built Financial Services. If you're age 70½ or older, you can use a QCD to donate up to $100,000 for 2023. How QCDs provide a tax breakSince 2018, there's been a higher standard deduction, which makes it tougher to claim a tax break for charitable gifts. If you're age 73 or older, QCDs can also cover your required minimum distributions, which otherwise would have boosted income, experts say.

Persons: there's, Sean Lovison, Marguerita Cheng, Kevin Brady, aren't, Ольга Носова Organizations: Blue, Global Wealth, CNBC's, Social Security, Wealthspire Advisors Locations: Philadelphia, Gaithersburg , Maryland, New York

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