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A worried young woman sits at a desk stacked with unpaid bills, her head in her hands, conveying financial stress as a Gen Z navigating debt and economic instability

Trends and Factors Affecting Generational Financial Trauma

The financial experiences people have early on, whether positive or negative, shape their relationships with money for life. They can affect how people handle paycheck deposits, savings accounts, bills, and credit cards well into adulthood.

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A street sign indicates “Bump Ahead” to represent how a bump-up CD works.

Understanding Bump-Up CDs and How They Work

You may be familiar with certificates of deposit (CDs), but bump-up CDs are unique. Here’s how they work and what to understand before considering one.

A woman uses a laptop to apply for a credit card, even though she may have no or bad credit history.

Getting a Credit Card With No or Bad Credit History

When you have no credit history, or bad credit history, getting approved for a credit card can be difficult. But it’s not impossible.

A young businessman struggles to carry a large burlap bag with the word “Debt” on it, representing the large burden of carrying debt like the average person.

How Much Debt Is the Average Person In?

It’s natural to wonder how much debt other people carry. Knowing the answer can even help you manage and reduce your own debt.

A hand stacks coins in step formation next to a clock and calculator, representing CD laddering

What Is a CD Ladder?

Certificates of deposit (CDs) require you to leave your money untouched while it matures. If you want access sooner, CD laddering could be the answer.

A credit card is frozen in a block of ice, representing the concept of freezing your credit.

What a Credit Freeze Is and How To Freeze Your Credit Reports

If your identity is stolen, how can you protect yourself and your personal data? A credit freeze restricts your credit report to prevent unauthorized activity.

A woman pays her medical bill with a credit card at the doctor’s office, perhaps after considering the benefits of doing so.

Should I Pay Medical Bills with a Credit Card?

Whether it’s a routine appointment or an emergency, you should weigh the benefits and drawbacks of paying for medical bills with a credit card.

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This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.