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Zeljkosantrac | E+ | Getty ImagesWhen it comes to planning for longevity, experts say it helps to envision your future self. A new aging filter trending on TikTok can help make that a reality. Use an aging filter to overcome retirement inertiaA recent Bankrate survey found not saving for retirement early enough is the number one financial regret. Experts say increasing your retirement savings deferral rate just slightly, say by 1%, can make a big difference over time. watch nowThe TikTok aging filter may serve as inspiration, but only if savers take the necessary follow-up steps, experts say.

Persons: Hal Hershfield, Joseph Coughlin, Coughlin, Hershfield, Carolyn McClanahan Organizations: Massachusetts Institute of Technology, University of California, Planning Partners, CNBC Locations: Los Angeles, Jacksonville , Florida

Sisters Shelia Miller, Debbie Taylor and Daphne Taylor of the Washington, D.C., area care for their mother, Ernestine Taylor. Managing health-related and long-term care expenses is also a challenge. Still experts say taking these five steps can help prevent burnout and financial stress for many family caregivers. You may also qualify for a dependent care tax credit for a percentage of up to $3,000 in qualified care expenses for one person or $6,000 for two people. Find support from a group or care specialistEmotional stress and burnout can add to the financial strain of caregiving.

Persons: Daphne Taylor, Debbie Taylor, Shelia Miller, Miller, Daphne, Ernestine Taylor, Debbie, There's, Barry Glassman, Glassman, there's, —, Anne Sansevero, they've, Sansevero Organizations: AARP, D.C, Finance, CNBC FA, Wealth, Medicaid, American Council, U.S . Department of Veteran Affairs, Resource Center, Caregiving, Life Care, Istock, Getty Locations: Alexandria , Virginia, Washington ,, Washington, Vienna , Virginia, North Bethesda , Maryland, U.S, medicaidplanningassistance.org

☆ 44% of savers in their 20s and 30s want to retire by 60, but few are on track—see how you stack up
▼ + stars: | 2023-08-28 | by ( Ryan Ermey | ) www.cnbc.com time to read: +5 min

Some 44% of retirement savers in their 20s and 30s say they want to retire by 60, according to a recent survey from the World Economic Forum. Some investors have multiple 401(k) accounts from multiple jobs, and others are saving in other types of accounts, such as individual retirement accounts or regular brokerage accounts. Still, there's no doubt that many younger Americans currently aren't on track to retire at the current full retirement age of 67, let alone at 60. Here's how financial pros say you can calculate whether or not you'll be able to retire when — and how — you want. Then assume a withdrawal rate — what you're going to take out every year while, hopefully, your investments continue to grow.

Persons: you've, you'd, Russell Gaiser, Christine Benz, Critics Organizations: Taco Bell, Economic, CNBC, Fidelity, Morningstar, Benz

☆ IRS delays change for 401(k) catch-up contributions. Here's what higher earners need to know
▼ + stars: | 2023-08-28 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +3 min

Terry Vine | Getty ImagesHigher earners who maximize retirement savings now have more time for pretax catch-up 401(k) contributions, thanks to new IRS guidance. Currently, "catch-up contributions" allow savers 50 and older to funnel an extra $7,500 into 401(k) plans and other retirement plans beyond the $22,500 employee deferral limit for 2023. But the IRS on Friday announced a two-year delay for the change, meaning savers can still make pretax catch-up contributions through 2025, regardless of income. "The administrative transition period will help taxpayers transition smoothly to the new Roth catch-up requirement," the IRS said in a statement. Some 16% of eligible employees took advantage of catch-up contributions in 2022, according to a recent Vanguard report based on roughly 1,700 retirement plans.

Persons: Terry Vine, Roth, Dan Galli, Daniel J, Galli, Diann Howland Organizations: IRS, Galli & Associates, Associates, American, Council Locations: , Massachusetts

To retire at 35 and live on investment income of $100,000 a year, you need at least $5.22 million invested. With an annual spending target of $65,000, you'll need about $3.25 million invested. How much you need invested to retire at 35According to Fry's calculations, an investor who leaves work at age 35 would need at least $5,225,000 in a taxable investment account on the day they retire in order to have an annual post-tax income of $100,000. If the investor reduces their target annual income to $65,000, they would need about $2 million less — or $3,250,000 — invested on the day they retire. Fry's simulation also did not factor in potential Social Security income.

Persons: Brian Fry, Fry, Read, Alyssa Powell, — Organizations: Service, Safe, JPMorgan, Social Security, Security, Social, Monte, Capital Locations: Wall, Silicon

Today's "niche" companies and those seen as AI leaders are unlikely to be the biggest winners for long-term investors, said Barry Glassman, a certified financial planner and member of CNBC's Advisor Council. "I've been through this enough to see that the niche players early on may not, in fact, be the long-term plays," Glassman said. Dan Romanoff, senior equity analyst with Morningstar Research Services, echoed that sentiment, saying investors would be hard-pressed to find a good "pure play" AI company in which to invest today. I would ask the question: What company isn't an AI company nowadays? However, it's unclear if such companies will remain among the AI leaders as the technology develops, experts said.

Persons: Jaap Arriens, Barry Glassman, I've, " Glassman, OpenAI, chatbot, Glassman, DocuSign, Dan Romanoff, Romanoff Organizations: Getty, San, Wealth, AOL, Cisco, Morningstar Research Services, Microsoft, Nvidia Locations: San Francisco, Vienna , Virginia, North Bethesda , Maryland

I'm a financial planner, and I remind clients to look at a long timespan and plan for the worst. A long-term financial plan that works accounts for inevitable shifts in goals, values, priorities, and circumstances. Look for ways to earn morePersonally, I've shifted from "retire as soon as possible" to a more balanced approach with my financial goals. My financial plan can accommodate this choice for two main reasons:First, I saved aggressively when I could for almost a decade. Remember, frugality will only get you so farNo matter what you want to do, you'll need money to afford your chosen lifestyle in the future.

Persons: I've, Read Organizations: Service Locations: Wall, Silicon

☆ There's no 'free lunch' with high-interest cash options, advisor says. How to plan for taxes
▼ + stars: | 2023-08-24 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Savers are now getting higher cash yields after several interest rate hikes from the Federal Reserve. "Everyone thinks it's kind of a free lunch," said Tommy Lucas, a certified financial planner and enrolled agent at Moisand Fitzgerald Tamayo in Orlando, Florida. Falling into the regular tax brackets, ordinary income is less favorable than long-term capital gains. Similarly, taxable money market funds — which typically invest in shorter-term lower-credit-risk debt — and Treasury bills also trigger ordinary income. But Treasury bill earnings aren't subject to state or local taxes.

Persons: Crane, Tommy Lucas, Moisand Fitzgerald Tamayo, you've Organizations: Federal Reserve, Crane Data, Finance Locations: Orlando , Florida

Currently, the Western Alliance Bank High Yield Savings Account is the highest-yield savings account on Raisin. You can earn 5% or more with several savings accounts, including the Milli Savings Account, Betterment Cash Reserve, Newtek Bank High Yield Savings Account, and more. A high-yield savings account is a type of bank account that offers a higher interest rate than a traditional savings account. High-Yield Savings Account BasicsA savings account is an interest-earning bank account. A good high-yield savings account will likely be an account where you can grow your savings without unnecessary hassles."

Persons: you've, you'd, APY, you'll, Raisin, Milli, hasn't, FNBO, Primis, Synchrony, SoFi, Banks, Tania Brown, Roger Ma, Sophia Acevedo, Mykail James, BoujieBudgets.com, that's, it's, we've Organizations: Chevron, FDIC, Reading Chevron, Western Alliance, Mint, Milli, Mobile, National Bank of, Newtek Bank, Newtek, Popular Bank, Primis Bank, Virginia, Synchrony Bank, SoFi Bank, Green, Barclays, Barclays Bank, Member, Apple, Discover Bank, FDIC Discover, Discover, Better Business, Securities and Exchange, SEC, Cash, BBB, Raisin, UFB, Popular, Popular Direct, Google, First National Bank of, Primis, Synchrony, Security and Exchange, Savings, Better, Barclays doesn't, Securities and Exchange Commission, Federal, Federal Reserve, Federal Deposit Insurance Corporation, National Credit Union Administration, Governors, Finance Locations: National Bank of Omaha, Axos, Maryland, First National Bank of Omaha, California, Raisin, Chevron

☆ Narcissists can have healthy relationships if they're willing to spend 'six figures,' says psychologist who's worked with dozens
▼ + stars: | 2023-08-24 | by ( Aditi Shrikant | ) www.cnbc.com time to read: +7 min

Experts say the path to healthy relationships for people with NPD or narcissistic personality traits is not impossible, but it's also not easy or affordable. Especially because many insurance plans might not cover specific mental health treatments. But for someone with more demanding mental health problems, the out-of-pocket cost can make treatment prohibitive. "There is a severe shortage of mental health therapists and many don't take insurance, as insurance companies pay very little for mental health therapy," she says. There is a severe shortage of mental health therapists and many don't take insurance.

Persons: Lee Hammock, Hammock, it's, I've, Ramani, Durvasula hasn't, Durvasula, I'm, Carolyn McClanahan, Jessica MacNair Organizations: NPD, Planning Partners Locations: Los Angeles, Jacksonville , Florida

☆ 31% of investors are OK with using artificial intelligence as their advisor
▼ + stars: | 2023-08-24 | by ( Greg Iacurci | ) www.cnbc.com time to read: +2 min

Nearly 1 in 3 investors would use artificial intelligence as their financial advisor, a new survey suggests — and that has the potential to lead to flawed advice, experts said. Generative AI uses algorithms to create new content like essays, song lyrics, art, photography and computer code — or, in this case, financial advice. ChatGPT, a program that went viral after being debuted to the public late last year, is one example of generative AI. The algorithms that underpin generative AI compile data from sources like the internet to develop responses, and those data sources may not be reliable. In short, financial advice outputs won't necessarily be 100% trustworthy.

Persons: Kevin Keller, Keller Organizations: Standards, CFP, Finance, McKinsey & Co

Read our review Read Our Review A looong arrow, pointing rightThe Best CD RatesTop CD Rates by TermMany of the best CD rates are offered by credit unions right now. Market LeaderAlpena Alcona Area Credit Union (7-month term) paying 7.19% APYTo open a CD at Alpena Alcona Area Credit Union, you must qualify for membership. About the Best CD IssuersAlpena Alcona Area Credit Union 7-Month CDWhy it stands out: Alpena Alcona Area Credit Union has the highest CD rate available right now. Dow Credit Union Simple CDWhy it stands out: Dow Credit Union is a solid choice if you prioritize banking with a credit union. GTE Financial Credit Union Share CertificateWhy it stands out: GTE Financial Credit Union is a good option if you're searching for a 4-year share certificate.

Persons: we've, Alden B, Sallie Mae, Mae, they're, Landry, that’s, that's, Raisin, Mykail James, Roger Ma, it's, Tania Brown, Sophia Acevedo Organizations: Alliance Bank, Western Alliance Bank, Mint, FDIC, Chevron, Market, Credit Union, Union, Alpena Alcona, Dow Credit Union, DCU, NCUA, Dow Inc, Dow Corning Corporation, Employer Group, Dow Credit, Midland Center, Dow Museum of Science & Art, Midland Historical Society, Midland Country Club of Great, Virgin Islands, City National Bank of, Mae Bank, Reading Chevron, State Credit Union, Pelican State Credit Union, ARC Baton Rouge, Parents Association of Northwest Support, Federal Credit Union, Federal Credit, DC, U.S, Capital Historical Society, American Consumer Council, GTE Financial Credit, CUSavers, NCUA Department of Commerce Federal Credit Union, Commerce Federal Credit Union, Department of Commerce Federal Credit Union's, of Commerce Federal Credit Union, Department of Commerce Federal Credit, US Department of Commerce, NOAA, White House Management, Administration, American Consumer, Ponce Bank, Ponce, Credit, Midland Area Community Foundation, Pelican State Credit, Services, Parents, GTE Financial, GTE Financial Credit Union, GTE, of Commerce Federal Credit, Department of Commerce Federal Credit Union, Administration Office, Finance, Federal Reserve, Federal, Limelight, National Bank of America, Technology Credit, Barclays, NASA Federal Credit, Western Alliance, Banks, Citi, PNC Bank, of America, Chase Bank, Charles Schwab Bank, Wells Locations: Alpena Alcona, Michigan, Alpena, Midland , Michigan, Midland Country Club of Great Lakes, Florida, Somoa, Guam, Northern Mariana Islands, Chevron, City National Bank of Florida, NCUA, Louisiana, Rapise, St, Tammany Parish, Alexandria , Virginia, Washington, Washington ,, Maryland, Virgin, Pelican, Ponce

☆ Has climate change made utilities a risky bet? What income investors need to know
▼ + stars: | 2023-08-21 | by ( Michelle Fox | ) www.cnbc.com time to read: +6 min

The wildfires in Maui are just the latest example of severe weather and the peril facing utilities. However, investors can pick up about 4% yield on stocks that have dividends that are considered safe, which makes them attractive to investors seeking income. Climate change's impact Climate change is altering not only the Earth's temperature, but also precipitation patterns, said Zachary Zobel, risk associate director at Woodwell Climate Research Center. Climate change could impact utilities in other areas, like sustaining damage during hurricanes and floods. "You don't have to just rely on just one sector to get dividend income," said Cheng.

Persons: hasn't, Michael Lonegan, Neil Kalton, Kalton, Zachary Zobel, Zobel, Berkshire Hathaway, PacificCorp, Wells Fargo's Kalton, it's, Marguerita Cheng, Cheng, — CNBC's Michael Bloom Organizations: Hawaiian Electric, Maui Electric, Electric, NBC News, Evercore ISI, Wall Street, Wells, Wells Fargo Securities, FEMA, Woodwell Climate Research Center, Gas & Electric, Blue, Global, CNBC, & $ Locations: Maui, Lahaina, Wells Fargo, California, Berkshire

☆ Claiming Social Security retirement benefits is a high-stakes decision. Don't let these 5 myths get in your way
▼ + stars: | 2023-08-19 | by ( Lorie Konish | ) www.cnbc.com time to read: +6 min

Moyo Studio | E+ | Getty ImagesSocial Security benefits provide retirement income for millions of Americans. Myth 1: Claiming early is bestNegative headlines may scare people into claiming as early as possible to get the most benefits. Eligibility for Social Security retirement benefits starts at age 62. Myth 4: Social Security benefits are not taxedThanasis | Moment | Getty ImagesThe misperception that Social Security benefits aren't taxed is "perhaps the biggest myth of all," said Mary Johnson, Social Security and Medicare policy analyst at The Senior Citizens League. That includes the sum of your adjusted gross income, nontaxable interest and half of your Social Security benefits.

Persons: that's, Joe Elsasser, Elsasser, Laurence Kotlikoff, Bruce Tannahill, there's, Kotlikoff, Tannahill, Mary Johnson, Anna Frank Organizations: Social Security, Social, Security, Boston University, Senior Citizens League . Social Security

High-yield savings accounts, with easy access to your funds, are worth considering, said Ken Tumin, founder and editor at DepositAccounts.com. While investors expect the Federal Reserve to start cutting interest rates next year, online savings account rates won't fall significantly until the policy shifts, he added. Treasury billsAmid rising interest rates, Treasury bills have also become a competitive option for cash, with yields well above 5%, as of Aug. 18. Money market fundsAnother option to consider is short-term money market funds, said certified financial planner Chris Mellone, partner at VLP Financial Advisors in Vienna, Virginia. Money market mutual funds — which are different from money market deposit accounts — typically invest in shorter-term, lower-credit-risk debt, such as Treasury bills.

Persons: Ken Tumin, They're, Chris Mellone Organizations: Istock, Getty, Federal Deposit Insurance Corporation, Federal Reserve, U.S ., Treasury, U.S . Department of, VLP Financial Locations: TreasuryDirect, Vienna , Virginia

Here's what you need to know about the impact of collections and how to get them removed from your credit report. As it ages on your credit report, its effect on your credit score will decrease until it falls off entirely. There are a few different — and completely legal — ways you can try to remove it from your credit report to fix your credit score. While paying off a debt in collections will not improve your credit or remove the collections from your credit report, a collections agency can sue you for unpaid debt if it's still within the statute of limitations. A CFPB report on credit reports in 2022 found 175 million total collections tradelines on credit reports, down from 261 million when the report was last updated in 2018.

Persons: it's, there's, John Owens, you've, Markia Brown, Brown, Owens, Rick Eicheldinger, Zarrad, Eicheldinger Organizations: Service, Monterey Financial Services Locations: Wall, Silicon, Chevron

☆ Here's why Americans can't stop living paycheck to paycheck
▼ + stars: | 2023-08-17 | by ( Juhohn Lee | ) www.cnbc.com time to read: +2 min

For many Americans, payday can't come soon enough. As of June, 61% of adults are living paycheck to paycheck, according to a LendingClub report. In other words, they rely on those regular paychecks to meet essential living expenses, with little to no money left over. Almost three-quarters, 72%, of Americans say they aren't financially secure given their current financial standing, and more than a quarter said they will likely never be financially secure, according to a survey by Bankrate. That amount already accounts for about 61% of the median take-home pay.

Persons: Ida Rademacher, there's, Kamila Elliott Organizations: Aspen Institute, Principal Financial, Institute, Finance, U.S . Bureau of Labor Statistics, for Community, Economic Research, Wealth Partners, CNBC's Locations: U.S, Atlanta

☆ The tried and true 60/40 portfolio is making a comeback this year after cratering in 2022
▼ + stars: | 2023-08-17 | by ( Darla Mercado | Cfp | ) www.cnbc.com time to read: +4 min

The balanced portfolio — reported by many to have died in 2022 — is experiencing a revival. The iShares Core Growth Allocation ETF (AOR) that mimics the strategy lost 15.6% in 2022, including reinvested dividends. Investors sitting tight were rewarded, however, as 2023's run-up in stocks helped lift the 60/40 model. "And thanks to higher interest rates, investors are getting much higher compensation for taking interest rate risk compared to 2021-2022." A 60/40 portfolio isn't right for all investors and their situations, but it does create a foundation for sound investments, said Preston Cherry, CFP and founder of Concurrent Financial Planning.

Persons: —, Seema Shah, Ryan Salah, Salah, US6M, Preston Cherry, bode, Cherry Organizations: Asset Management, Capital Financial Partners, Federal, CFP, CNBC

dowell | Moment | Getty ImagesIf you're sitting on profitable assets, there's a lesser-known tax-gain harvesting strategy, which can help rebalance your portfolio or trim future taxes. While tax-loss harvesting can be popular during a stock market downturn, tax-gain harvesting — or strategically selling appreciated brokerage account assets — can also be beneficial, depending on your financial goals, experts say. One of the key opportunities for tax-gain harvesting is for investors who fall into the 0% capital gains bracket, which applies to long-term capital gains, or assets owned for more than one year. The 0% bracket allows you to sell a certain amount of profitable assets without triggering capital gains taxes, which provides a chance to take the proceeds or rebalance your portfolio, according to Brown. While the so-called wash sale rule blocks investors from claiming a tax benefit after selling a losing asset and repurchasing within 30 days, the law doesn't apply when harvesting gains, Collado said.

Persons: dowell, Judy Brown, Brown, Marianela Collado, Collado Organizations: SC, H, D.C, Financial, CPA Locations: Washington, Baltimore, Plantation , Florida

☆ Many young unmarried couples don’t split costs equally. Experts weigh in on what's 'fair'
▼ + stars: | 2023-08-15 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +5 min

Millennial couples are more likely to live together, with 65%, versus 37% of Gen Z couples. More than half of couples, 54%, said finances were part of their decision to move in together. Half of couples don't split the mortgage or rent equally, and 39% do not split pet costs equally, the survey found. Experts say the survey results underscore that when it comes to sharing expenses, equal isn't always equitable, or fair. "I think it's almost not fair to split finances 50-50 without taking into account your partner's financial situation," said Daigle, who is also a member of the CNBC Financial Advisor Council.

Persons: Gen Z, Michael Kraus, Cathy Curtis, Curtis, Sophia Bera Daigle, Daigle, Carli Blau, Blau, Kraus, Couples Organizations: Istock, Getty, of Psychology, Finance, Yale University, Curtis Financial, CNBC, Society Locations: U.S, Oakland , California, Austin , Texas, New York

☆ Preparing for the 'great wealth transfer'? 4 steps for managing an inheritance, from a CFP: 'It's not as simple as it might seem'
▼ + stars: | 2023-08-15 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +2 min

The so-called "great wealth transfer" is already underway, with over $68 trillion set to be passed down by baby boomers to their children. As a CFP, Miura helps her clients grapple with their own inheritances and transfers of wealth. Adults who expect to receive an inheritance anticipate getting an average of $738,724, according to a recent New York Life Wealth Watch Survey. The newly inherited wealth will take many forms: 58% of those expecting an inheritance anticipate receiving cash, 43% expect property and 28% expect investments. If you're among the many Americans unsure how to manage a windfall, here are four tips to help you be financially smart about your inherited wealth.

Persons: Danielle Miura, Miura, I've Organizations: New York, CNBC, Wealth Watch Survey Locations: New

☆ Here are 3 reasons you can’t stop comparing yourself financially to others, says bestselling author
▼ + stars: | 2023-08-14 | by ( Ana Teresa Solá | ) www.cnbc.com time to read: +3 min

Easy access to credit Readily available lines of credit may encourage consumers to live up to standards that are not economically feasible, said Thakor. Credit card balances are up almost 20% from a year ago, according to a quarterly credit industry insights report from TransUnion. Social media "Social media puts everything on steroids," said Thakor. People who consume social media are often exposed to content that shows images of people they may know, or from influencers, that make them feel, quite often, inadequate. Remember that social media can be misleading "The bottom line is we are inundated with misinformation around how people become wealthy and how wealthy people spend their money," he said.

Persons: Jennifer Aniston, Rachel Green, Matt LeBlanc, Joey Tribbiani, David Schwimmer, Ross Geller, Lisa Kudrow, Phoebe Buffay, Hannigan, Matthew Perry, Chandler Bing, Courteney Cox, Monica Geller, Bing, Thakor, They've, Credit Karma, Bradley T, Klontz, Juan Algar Organizations: NBCU, Credit, YMW Advisors, CNBC Locations: New York, TransUnion, influencers, Boulder , Colorado

☆ 3 steps for combining finances with your partner: 'It can be scary, but there are things you should know'
▼ + stars: | 2023-08-14 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

Maybe, but it also means you're entering a level in your relationship where you're at least partially combining finances with your partner. Level 1: Get to know your partner's money habitsYou don't need to ask a prospective partner to furnish their credit report on the first date. But as things are warming up, it's important to begin learning about the other person's financial picture, Meade says. "It can be scary, but there are some things you should probably know." "If you know you have the core covered and you have X amount to spend that month, it can really help."

Persons: Zers, Kendall Meade, it's, you've, Meade, Frank Summers Organizations: Psychology, Cetera Advisors

☆ Don’t be ‘complacent’ about volatility, warns advisor, even if there's a soft landing for the economy
▼ + stars: | 2023-08-14 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

watch nowAfter more than a year of recession predictions, some experts have backed off past forecasts and now embrace what's known as a "soft landing" for the economy. Even so, one financial advisor is stressing the importance of preparing for future stock market volatility. While a soft landing may be good news for investors, there's a risk of becoming "a bit complacent" about market volatility, said Glassman, who is also a member of CNBC's Financial Advisor Council. Glassman said a lot of people are wondering how to shift their investments given the "rosy scenario" of a soft landing. 'Investors are finally getting paid to wait'While future volatility is possible, the current economic environment offers a silver lining for investors.

Persons: Barry Glassman, Glassman, it's, We're Organizations: Wealth, CNBC's, Federal Reserve Locations: McLean , Virginia

☆ The 'single most important factor' for first-time investors, according to a CFP—and 3 other tips to get started
▼ + stars: | 2023-08-11 | by ( Isabel Engel | In Isabel--Engel | ) www.cnbc.com time to read: +4 min

For first-time investors, growing your money is about playing the long game, certified financial planner and senior financial advisor Matthew Saneholtz tells CNBC Make It. "It's not timing the market, but time in the market that is the most important thing," he says. Establish your 'time horizon'For new investors, the first thing to do is define your investing time horizon, Saneholtz says. It is the "single most important" factor to consider and should be determined before you put even a dollar into the market, Saneholtz says. "There are so many different variables for a single business to become profitable, stay profitable and achieve and win their industry."

Persons: you've, Matthew Saneholtz, Saneholtz Organizations: CNBC

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