Personal Finance

20 Seconds That Can Break Bad Money Habits

20 Seconds That Can Break Bad Money Habits

To break the day-trading habit that cost him money, friendships and sleep, fund manager Thomas Meenik first tried meditation and cycling.
They proved no substitute for the high he got scrolling through investing forums, he said. Instead, he took a digital breath. He installed software that imposed a 20-second delay whenever he tried to open his apps. Twenty seconds
might not seem like much, but feels excruciating in smartphone time, he said. As a result, he checks his accounts 60% less.

Understanding the SECURE 2.0 Act

Understanding the SECURE 2.0 Act

The SECURE 2.0 Act of 2022 is a law designed to substantially improve retirement savings options—including with 401(k)s and 403(b)s—in the
U.S. It builds on the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019. SECURE 2.0 was signed into law by
President Joseph R. Biden on December 29, 2022, as part of the Consolidated Appropriations Act (CAA) of 2023.1
The SECURE 2.0 Act began as two pieces of legislation, one from the House of Representatives (H.R. 2954) and one from the U.S. Senate (S.
1770).23 After both branches of Congress passed their respective bills, the consolidated legislation was included in the omnibus budget bill
(the Consolidated Appropriations Act of 2023) as Division T (SECURE 2.0 Act of 2022).

10 Tips to Make 2023 Your Best and Boldest Year Yet

10 Tips to Make 2023 Your Best and Boldest Year Yet

Want to be bolder in 2023? Start by clarifying your purpose. Before you take any action, spend some time reflecting on your values and what is most important to you. Visualize where you want to be in 12 months and the kind of life you want to live. Once these goals are clearer, work to create an action plan and write it down.

The Joys and Financial Challenges of Parenthood

The Joys and Financial Challenges of Parenthood

Parenthood can be both wonderfully rewarding and frighteningly challenging. Children give gifts only a parent can understand—from sticky-finger hugs to heartfelt pleas to tag along on Saturday morning errands. You raise them with a clear goal that you secretly dread will actually take place—that someday they will be grown, independent, and ready to move out on their own, and your work will be over.