⛱️ Great Wealth Xfer: As ACA subsidies expire, health care costs continue rise

👛 Personal Finance

• Administration 🏛️ CNBC: Government shutdown could cost US economy up to $14B, CBO says 

• Federal Reserve 💵 Yahoo! Finance: What Fed’s rate cut means for your finances

• Consumer Sentiment 🛒 WSJ via Yahoo! Finance: We all have a ‘Burn Rate’: How to slow yours if your paycheck suddenly stops

  • Newsweek: Car Repossessions Approaching Record High as Delinquency Rates Soar

  • Sherwood by Robinhood: Almost a quarter of American employees haven’t taken a single vacation day in the past year, survey finds

• Wage Gap 💲 CNBC: There’s a shocking disparity between how high

  • Yahoo! Finance: America's wealthiest shoppers are boosting spending (and the US economy) while lower earners pull back

  • Yahoo! Finance: Why middle-class earners quietly becoming millionaires can still feel broke

💰 Saving & Investing

• US Treasury : Bonds 💲 CNBC: Treasury Department announces new Series I bond rate of 4.03% for the next six months 

• IRS : Tax Brackets 💸  Nerd Wallet: IRS Announces 2026 Income Tax Brackets, Updated Standard Deduction

• Investing : ETFs 📊 CNBC: You could be losing out on 15% of your mutual fund and ETF returns, researchers say. How to keep more of your money 

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 🤖 Career Planning in an Age of AI

• Worker Sentiment 💼 CNBC: Job openings in October slumped to the lowest level since February 2021, Indeed measure shows

  • Semafor via Yahoo! Finance: US layoffs reflect ‘no hire, more fire’ environment

  • Yahoo! Finance: Behind the wave of white-collar layoffs: Old-school cost cutting, tariffs and, yes, AI

• AI Adoption 🤖 Fortune via Yahoo! Finance: Job openings have plunged 32% since ChatGPT’s debut. Now, $35K healthcare work is one career option left for Gen Z

  • MSNBC: 'AI bloodbath': White-collar layoffs mark a new phase in the job market

🏡 Home Ownership & Mobility

• Home Insurance ☂️ KOMO News (Seattle): Home insurance crisis: soaring premiums and inadequate payouts for damage claims

• Home Mortgages 🔑 CNBC: Mortgage rates jump .20 basis points following Fed cut 

• Home Values 📈 Investopedia: Home values have skyrocketed in some Cities – but completely stalled in others. Where does your city rank?

  • CNBC: Home prices lag inflation, meaning homeowners lose out on their investment

  • Realator.com: How Millennials are reimagining property for purpose 

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🏖️ Retirement Planning

• 401k Plans 🥚 Nerd Wallet: Millions of 401(k)s Are Left Behind, and It’s Costing Workers

• 401k Plans : Tax Planning 🥚 WSJ: High earners could soon lose a tax break from this 401(k) change

• Financial Independence, Retire Early : Planning 🔥 Yahoo! Finance: The FIRE movement catches on as people want to retire early

• Retirement : Boomers 👍 Yahoo! Finance: The average Baby Boomer says they need less than $1M to retire comfortably

  • Yahoo! Finance: 3 Ways Baby Boomers are setting themselves up for retirement disaster

•  Retirement : Gen X 🤷‍♀️ Yahoo! Finance: Why Gen X is uniquely suited to handle bad retirement prospects

  • Yahoo! Finance: Many boomers are losing the battle for retirement security. Gen Xers? Doing a bit better.

👨‍⚕️ Long-Term Care Planning 

• Affordable Care Act : Premiums ☂️ CNBC: How to navigate open enrollment as health insurance premiums increase

  • ABC News: ACA enrollee sees premium spike over 300% as sign-up period begins: 'This will devastate us'

  • CNBC: ACA enhanced subsidy lapse could hit early retirees hardest amid shutdown fight

• Long-term Care 🏥 Scripps News: Rising elder care costs trigger financial strain across generations

  •  CNBC: Is long-term care insurance worth getting this fall?

  • McKnights Senior Living: Dementia is costing the US $781B, and 30% of that cost is medical and long-term care

• Long-term Care : Medicare 🩺 CBS News: Medicare open enrollment nears as seniors weigh health care costs and coverage options

• Long-term Care : In-Home 👩‍🦽 Yahoo! Finance: In-home elder care cost is rising more than 3x faster than inflation

  • NPR: The declining population will make it even harder to care for elders

  • Home Health Care News: Medicaid home care cuts could cost states $1B over 5 years

  • McKnights Senior Living: Lists rank states for assisted living affordability, active aging

🙃 Gen Z & 🥑 Millennials

• Credit Score 💳 CNBC Make-It: Rent payments can be a ‘kiss of death’ on your credit report, says consumer advocate

• Personal Savings 💰 Investopedia: Study Reveals Gen Z and Millennials surpass older generations in savings goals for 2025

  • Investopedia: Inside Gen Z's 'soft saving' movement: Are they trading future security for present comfort? 

• Financial Education 🏫 Fox Business: How TikTok, AI and side hustles are transforming money management within Gen Z

• Financial Education : Women 👩 ING: JP Morgan finds women are driving their own financial success – not waiting to inherit it

👍 Boomers & 🤷‍♀️ Gen X

• Estate Planning : Divorce 💔 Insider via Yahoo! Finance: How to protect your estate and inheritance from an ugly divorce if you lack a prenup, according to financial experts

• Estate Planning : Boomers 👍 WSJ via MSN: Boomers are refusing to hand over their $84T in wealth to their children

  • Investment News: Giving while living: Advisors discuss the 'New Wealth Transfer'

• SSA : Cost of Living Adjustments 📜 CNBC: Here’s the maximum Social Security full retirement benefit for 2026, after the 2.8% cost-of-living adjustment

  • Yahoo! Finance: How to cut taxes on your Social Security benefits

• SSA : Planning 📜 WSJ: Why delaying your Social Security benefits may not make sense

  • Yahoo! Finance: Nearly 80% oppose raising Social Security's full retirement age

🔰 Great Wealth Transfer

• Economic Impact 📈 Yahoo! Finance: What does the great wealth transfer mean for economic growth?

  • Fortune: Governments are likely to pillage the $80T ‘Great Wealth Transfer’ to fund their national debt, says UBS

• Great Wealth Transfer : Europe 🏰 ING: The Great Wealth Transfer: Europe’s €3.5T shift 

• Great Wealth Transfer : China 🐉 Straits Times: A great wealth transfer is happening in China 

• Personal Stories 📖 The Times: Why family bullying over inheritance has become rife

  • Yahoo! Finance: Man wants to ‘gift’ his 18-year-old son his home but is worried it’s a bad move. Dave Ramsey responds 

  • MarketWatch via via Yahoo! Finance: My father’s estate was awarded $50K in a class-action lawsuit. My brother, as executor, kept the money. What can we do?

📜 Estate & Inheritance Planning

• Inherited IRAs : Beneficiary 👨‍👨‍👧‍👧 CNBC: Inherited IRAs have a key tax change for 2025. What to know to avoid a penalty of up to 25%

  • Kiplinger: I'm a Financial Pro: This Is how you can guide your heirs through the Great Wealth Transfer

• Great Wealth Transfer : Women 👩 Bloomberg: Video: Women poised to benefit from 'Great Wealth Transfer' 

  • Fortune: Women could fall behind in the ‘Great Wealth Transfer’ because of the ‘confidence gap’ in financial planning, experts say

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