As the world continues to debate the essence of what being a Millennial is, the Millennial generation, alternately known as ‘Generation Y’ or ‘Generation Net’, continues to confound those that study the demographic as they come into their own internationally. Defined as those born between the early 80s to early 2000s, there have been many […]
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Top 10 Financial Influencers on Instagram in 2025: The Finfluencers Making Money Make Sense
Instagram might be known for sunsets, selfies, and brunch—but in 2025, it’s also a go-to destination for personal finance and investing advice. As the space evolves alongside YouTube financial influencers and TikTok financial influencers, Instagram has carved out a niche of its own. For the young, especially Millennials and Gen Z trying to make sense […]
Top 10 Financial Influencers on YouTube in 2025: The Finfluencers Helping a Generation Build Wealth
If you still associate YouTube with makeup tutorials and gaming streams, it’s time for an update. In 2025, YouTube is one of the most trusted platforms for in-depth financial education—where millions of viewers, especially Millennials and Gen Z, go to learn how to budget, invest, build credit, and escape the paycheck-to-paycheck cycle. Unlike TikTok’s finfluencers […]
Top 10 Financial Influencers on TikTok in 2025: the Finfluencers who Guide Young Generations Through Money
If you still think TikTok is just for dance trends and Gen Z humor, think again. In 2025, it’s one of the most powerful platforms for financial education, with millions of users turning to 60-second videos for advice on budgeting, investing, and building generational wealth. And behind the app’s endless scroll lies a new wave […]
From Finfluencers to Feeds: Social Media Reshapes Investment Decision-Making
Not long ago, making an investment decision making process meant opening a brokerage account, calling a financial advisor, or poring over company reports and analyst recommendations. It was slow, methodical, and often intimidating. Today, for millions of investors, that same decision is made with a scroll and a swipe—through financial influencers on TikToks, Reddit threads, […]
Asset Allocation – How Much of Your Investment Portfolio Should Be in Stocks?
It’s one of the most important questions investors ask themselves and it’s related to the topic of asset allocation: How much of my investment portfolio should be in stocks? While it sounds straightforward, the answer is anything but simple. Your ideal asset allocation depends on a complex mix of variables—age, goals, risk tolerance, income sources, […]
Trading vs. Investing: How They Work & Which Approach Fits You
When it comes to building wealth, two approaches stand out: long-term investing and short-term trading. They might both involve putting money into the markets, but the way they work—and the type of mindset they require is different. Choosing the right approach depends not just on your personality, but also on your goals, risk tolerance, time […]
Investor Confidence 2025: How Age, Income &Demographics Shape Stock Market Sentiment
Investor confidence entering 2025 presents a mixed yet intriguing picture. On one hand, Americans are more engaged in the markets than they have been in over a decade – nearly 58% of Americans are investing in the stock market, the highest share on record. This resurgence in participation has pushed U.S. stock ownership back to […]
Average American Savings by Age: How Much Money Should I Have Saved?
Whether you’re 25 or 40, it’s natural to wonder: “Am I saving enough?” It’s a question packed with emotion—and often without a clear answer. While everyone’s financial path is different, looking at average American savings by age can offer a helpful benchmark. And if you’re asking “how much money should I have saved by 30?” […]
Investing in the S&P 500: What Your Strategy Should Look Like at 25, 45, and 65
The S&P 500 is one of the most popular tools for long-term investors. . It offers instant diversification, reflects the overall U.S. economy, and has delivered strong returns over time. But while the index itself may stay relatively consistent, it doesn’t mean your strategy should stay the same over time. In this guide, we’ll break […]
Mind the Coverage Gap: Underinsured Americans by Age and Income
Health insurance coverage in the U.S. has expanded in recent years, yet a significant insurance gap remains. Thanks to the Affordable Care Act (ACA) and pandemic-era measures, the uninsured rate fell to around 8% of Americans in 2023 – roughly 26 million people, about half the rate before the ACA. However, simply having insurance is […]
Travel Insurance: A Complete Guide by Age, Trip Type, and Risk
You’re booking flights, scrolling hotel options, maybe adding a rental car—and then it pops up: “Would you like to add travel insurance?” For many people, that’s the moment of hesitation. Do you click yes? is travel insurance worth it? Do you ignore it? Do you even know what it covers? It’s not your fault if […]
Renter’s Insurance: The Overlooked Essentialfor the Renting Generations
For many people, adulthood doesn’t arrive with a mortgage or a baby announcement—it arrives the day you ask, “Wait… who pays for this if my apartment floods?” Welcome to the world of renter’s insurance. It’s one of those grown-up responsibilities that doesn’t get the same attention as health coverage or retirement planning, but if you’re […]
Why I Got Life Insurance in My 30s—and What I Wish I Knew First
It Wasn’t a Crisis That Got Me Thinking—It Was a Conversation I didn’t get married. I didn’t buy a house. I didn’t have kids. But I still bought life insurance in my 30s—and it wasn’t because something terrible happened. It was a simple conversation with a friend, one of those “Am I supposed to have […]
Health Insurance 101: What Actually Matters When You’re Choosing a Plan
Why Choosing a Health Insurance Plan Feels So Confusing If you’ve ever stared at a list of plans during open enrollment and thought, “I have no idea what any of this means,” you’re far from alone. Picking the right health insurance plan can feel like decoding a foreign language filled with acronyms, percentages, and fine […]
Emergency Fund: What No One Tells You About Actually Using It
Most personal finance advice stops at “build your emergency fund.” But what happens when you actually need to use it? For many people, dipping into their emergency savings feels like failure. Others blow through it too quickly and then struggle to rebuild. And some don’t even know what truly qualifies as an “emergency.” This guide […]
Roth IRA, 401(k), or “Hope for the Best”? A Personalized Approach to Retirement Planning
If you’ve ever stared at a benefits form or investment platform thinking, “Should I check Roth IRA? Or is it 401(k)? Or do I just hope for the best?”—you’re not alone. Most people know they should be saving for retirement. But the moment you dive into options, you’re hit with an alphabet soup of accounts, […]
The Psychology of Spending: Behavioral Finance and Why Budgeting Feels So Personal
Budgeting should be simple. Money in, money out, don’t spend more than you earn—right? But for most people, it’s not that simple at all. You set a budget with the best intentions, only to blow it the next weekend. You feel guilty after buying something you don’t need, or worse—you justify it because “you deserve […]
Why I Track Every Dollar—A Practical Approach to Money Management
I don’t track my spending because I’m broke.I track it because I’m deliberate. At some point in my late 20s, after paying off a small mountain of student loans and getting my first “real” job, I stopped living paycheck to paycheck. And yet, something strange happened: I still had no idea where my money went. […]
Average Retirement Savings by Age: Are You on Track at 30, 40, or 50?
Why These Numbers Stress People Out “How much to save for retirement?” This is a question most people don’t ask out loud—but think about all the time. You might see a headline claiming you need six figures saved by your 30s and wonder if you’re hopelessly behind. Or maybe you’re doing okay, but you’re still […]
Millennials FAQ: Frequently Asked Questions about The Millennial Generation
Who are the Millennials? Millennials, also known as Generation Y, are individuals born roughly between 1981 and 1996. What is a Millennial? It is a person born between 1981 and 1996. Why are Millennials called that? They are called that because they came of age at the turn of the millennium, around the year 2000. […]