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Middle Class Financial Resilience Remains Greater Than Historical Norms, but Pressure Mounts | PLANSPONSOR Both inflation and softening income growth may threaten middle income households’ financial well-being.

📊 Middle-Class Financial Resilience

According to the latest Financial Resilience Index from ACLI, middle-class households in Q2 2025 remain more financially resilient than historical norms — but mounting economic pressures are beginning to show.

www.plansponsor.com/middle-class...

This week’s economic and policy highlights include signs of a cooling U.S. job market, the Fed’s preparation to resume bond purchases, and new congressional moves to define crypto regulation.

#jobs #bonds #crypto #bitcoin #news #Finance

Your Retirement Plan, According to Nobel Prize Winner Richard Thaler

What if your retirement plan could be smarter—just by understanding how your brain works?

#retirementplan #richardthaler #401k #403b

Older Investors: Boost Your Savings and Retire Earlier This one measure can help older investors retire up to two years earlier and potentially double their retirement savings.

As you approach retirement, your financial needs become more complex, especially if you're in your 50s or beyond. To boost your retirement savings and potentially retire earlier, personalized financial advice could be key.

www.kiplinger.com/retirement/r...

Robust returns and steady saving yield record number of 401(k) millionaires A robust stock market has lifted retirement accounts to record heights, Fidelity says. More people than ever have reached a $1 million balance.

Record Number of 401(k) Millionaires: How Steady Saving and Strong Returns Led to Big Gains 📈

finance.yahoo.com/news/robust-...

The FIRE movement (Financial Independence, Retire Early) has reshaped how we think about money and retirement. But there's a new mindset emerging—F.I.N.E.: Financial Independence, Not Early.

Private Equity Wants Your 401(k). What Are the Pros and Cons? A new executive order signed by the Trump administration could reshape how Americans invest for retirement. Wharton's Bilge Yilmaz and Burcu Esmer break it down.

A new executive order from the #Trump administration could allow private equity investments in 401(k)s, opening up fresh opportunities for millions of American retirement savers. But is this a good idea? 🤔

knowledge.wharton.upenn.edu/article/priv...

This week’s financial roundup explores the Fed’s ongoing rate-cut debate, gold’s rebound amid shifting monetary signals, and the Supreme Court’s scrutiny of Trump’s sweeping tariff powers. #fed #SupremeCourt #tariffs #gold

The 4% Rule: Still Valid or Retired With It? 💸📉

Report: Universal DC Access Could Lift Retirement Readiness 20% Vanguard Retirement Outlook finds that if all American workers had DC plan access, retirement readiness would rise by 20%

A recent Vanguard Retirement Outlook reveals that just 4 in 10 Americans are currently on track to maintain their lifestyle in retirement. But that number could jump to 6 in 10 if all workers had access to a defined contribution plan, like a 401k, at work.

401kspecialistmag.com/report-if-al...

Natixis 2025 Global Retirement Index: U.S. Inches Higher U.S. up one spot in 2025 Global Retirement Index as Americans seem more optimistic about a secure retirement while underlying concerns remain

📊 U.S. Climbs to 21st in Natixis 2025 Global Retirement Index!

401kspecialistmag.com/u-s-up-one-s...

Robert Kiyosaki’s Rich Dad, Poor Dad isn’t just for entrepreneurs—it’s packed with insights you can use right inside your workplace retirement plan. In this video, we translate three of Kiyosaki’s most powerful lessons into smart 401(k) and 403(b) strategies. #robertkiyosaki #richdadpoordad

Americans Had Record-High Retirement Balances Last Quarter, Even With Economic Turmoil Retirement account balances reached a record high in the second quarter, even as Americans endured market volatility, tariff uncertainty, and ongoing inflation.

📈 Americans just hit a record high in retirement balances — even in a shaky economy.

Despite inflation, tariff uncertainty, early market volatility, data shows retirement accounts are growing:
🔹 401k balances up 8% YoY
🔹 403b balances up 9%
🔹 IRA balances up 5%

www.investopedia.com/record-high-...

This week’s market pulse: Nvidia hits a historic $5 trillion milestone, U.S. housing stalls amid job worries, and inflation fears persist despite Fed rate cuts.

#nvidia #housing #interestrates #Jobs

Ramsey vs. FIRE: Who’s Right About Retirement?

Dave Ramsey says live debt-free and invest steadily. The FIRE community says live lean, save 70%, and retire in your 30s. So… who’s right?

The number of workers seeking employer help with finances doubled in two years, BofA reports Slightly more than half of large companies offer employees financial wellness programs, surveys found.

📈 The number of employees seeking financial help from their employers has doubled in just two years.

That’s the headline from the latest @bankofamerica.bsky.social Workplace Benefits Report, and it couldn’t be more relevant.

www.hrdive.com/news/workers...

“The Psychology of Money” by Morgan Housel—What Every Everyday Investor Should Know #morganhousel

We Bought a Vacation Home for Retirement We Never Use. Should We Sell or Rent It Out? We ask financial planning experts for advice.

🏡 Vacation home in retirement: keep, rent, or sell?

In a recent Kiplinger feature, financial planners weighed in on what retirees should do when their second home sits mostly unused.

www.kiplinger.com/retirement/r...

This week’s newsletter dives into gold’s brutal sell-off, a wild meme stock rally, and India’s shifting trade stance with the U.S. #gold #memestocks #tariff #beyondmeat #krispykreme

Private equity in your 401(k): Who is the big winner? Probably not you. If somebody has discovered the holy grail, why would they cut in schmucks like you and me?

⚖️ Private equity in your 401(k): who really wins?

The risks are compounded by high fees, limited access to top funds, and industry dynamics that have shifted dramatically since the 1980s.

www.marketwatch.com/story/privat...

Millionaire Habits Backed by Science (and Tony Robbins)

401(k)s did well in first half of the year despite tariffs tumult | CNN Business The first and second quarters were, um, tumultuous for investors, including for anyone with a 401(k) or other workplace retirement plan.

According to data from Fidelity Investments, the average 401(k) balance climbed to a record $137,800 by June 30, up 8.4% from Q1. Even more striking: the number of accounts with $1M+ rose to 595,000, with the majority held by Gen Xers, who are nearing retirement age.

www.cnn.com/2025/09/04/b...

Teacher Retirement Costs Forcing Budget Cuts in School Districts | PLANSPONSOR Rising teacher retirement costs are forcing school districts to cut or delay spending in other areas. Learn more.

A new issue brief from Equable Institute, based on a 2024 survey with the EdWeek Market Brief Research Center, shows that teacher pension contributions have grown 220% since 2001 — far outpacing the 33% growth in K-12 budgets over the same period.

www.plansponsor.com/rising-teach...

This week, markets reacted to surging gold prices, signals of upcoming Fed rate cuts, and strong earnings from major U.S. banks fueled by Wall Street momentum. #MorganStanley #JPMorganChase #GoldmanSachs #BankofAmerica #WellsFargo #Gold

Warren Buffett: “Time Is Your Friend; Impulse Is Your Enemy” — Master the Long Game #warrenbuffett

Social Security’s commissioner says younger generations may have a different set of rules. Should Gen Z even plan for it? The program’s trust funds are expected to be depleted in less than a decade.

🚨 Is Social Security in Trouble for Gen Z & Millennials? 🚨

With its future uncertain, many in Gen Z & Millennials are choosing to not include it in their retirement plans.

www.marketwatch.com/story/should...

What’s Driving Growth in the Small‑Plan Market? | PLANSPONSOR Learn how technology, pricing and policy are fueling expansion in the small retirement plan segment.

💡 What’s Driving the Growth of Small Business Retirement Plans? 📈

Rcent surge in retirement plan adoption among small businesses is fueled by several key factors including SECURE 2.0 tax incentives, pooled employer plans (PEPs), & state-run retirement programs.

www.plansponsor.com/whats-drivin...

Underconsumption Core: Spend Less, Live More—The Secret to Sustainable Wealth #financialplanning #spending #saving #moneyhabits #consumption

IRS announces new federal income tax brackets for 2026 The IRS has announced higher federal income tax brackets and standard deductions for 2026. Here's what taxpayers need to know.

📢 IRS Announces New Federal Tax Brackets for 2026

Big updates from the Internal Revenue Service this week: federal income tax brackets, standard deductions, and other key provisions are all getting a boost for 2026, adjusting for inflation.

#IRS #taxes #taxplanning

www.cnbc.com/2025/10/09/2...

This week's stories cover a record gold price surge driven by the US government shutdown, the growing economic fallout as federal workers miss paychecks, and the DOE's proposed billions in grant cuts to automakers and startups.