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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).

Over 40% of Americans have no clue what a 401k is

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A generation of insane emperors was reborn against the will of heaven, awakening his palm to slay with his sword and sleeping intoxicated on a gorgeous woman's knees. Chu Kuangsheng resided in the isolated Shenlong Empire village of Shiyang village. He was the son of Shiyang Town's leading Chu family member. Because he was weak from birth and couldn't practice, the whole town of Shiyang Town laughed at him. Chu Kuangsheng's parents vanished three years ago when they were overseas on business, leaving their whereabouts a mystery. The eldest sister Chu Liu'er, who was slated to take the Chu family headship, likewise experienced an odd ailment.Chu Kuangsheng's circumstances have gotten harder ever since. Chu Kuangsheng accidentally rearranged his meridians and received the ancestral secrets of the Chu family. Chu Kuangsheng's horticulture has advanced quickly since then. Although he presents himself as a timid and an inept person, below he is a well-known insane master around the world.Chu Kuangsheng discovered that his parent's disappearance appeared to be connected to the clan's senior elder's cooperation with outsiders. Chu Kuangsheng used Kuangzun's disguise to gather strength, befriend heroes in secret, and gather information without drawing attention to himself. He was two people with one face. Chu Kuangsheng fled the little hamlet of Shiyang and traveled to the Four Spirits Academy to study under his master and pursue the clues after eliminating the traitors in his family in an attempt to uncover the truth about his parents' disappearance. Chu Kuangsheng battled the heroes of the Nine Heavens, became well-known across the cosmos, and swung his sword to chop off the enemy. Over countless of kingdoms, I am the master.<br/>

The Proud Emperor of Eternity Ep 18 ENG SUB

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Wedding bells may be in order for Lady Gaga! The pop star and her longtime boyfriend, entrepreneur Michael Polansky, just sparked engagement rumors, thanks to her latest accessory.

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The Good Nurse is a 2022 American drama film starring Jessica Chastain and Eddie Redmayne, about the serial killer Charles Cullen and the fellow nurse who suspects him. The film is based on the 2013 true-crime book of the same name by Charles Graeber. It is directed by Tobias Lindholm and written by Krysty Wilson-Cairns. The film also stars Nnamdi Asomugha, Kim Dickens, and Noah Emmerich.

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