By Nina Spinelli In 2012, 193 million CDs were sold across the United States – with Adele’s “21” album dominating the charts. Fast-forward a decade later to 2022, with only 35 million CD albums sold, down 11% from 40 million in 2021. The downturn in CD sales has been offset by subscription services, such as…
And why do you need one? By Dalia Rodriguez Are you interested in finding a way to maximize your savings? If so, a high yield savings account might be the perfect solution for you! High Yield Savings Accounts are savings accounts that offer a much higher interest rate than traditional savings accounts allowing account holders to earn…
By Mary Cantor and Jacob Wingate Whether you’re newly wed or in a long-term marriage or relationship, navigating finances as a couple can be a challenge. From the transition to when you first start approaching your finances as a pair, to working through your changing financial situation years down the road, it’s important to make…
Health Savings Accounts – Another way to invest in yourself. By Nina Spinelli Is it a credit card? A debit card? A savings account? A health savings account (HSA) is a tax-advantaged savings account designed to help individuals with high-deductible health plans (HDHPs) save money for medical expenses. An HSA allows you to set aside…
The Benefits and Negatives for Individuals with Little Financial Education Artificial intelligence (AI) has been transforming the financial industry, with various AI applications emerging to provide better financial services. AI has created an opportunity for the financial sector to be more inclusive and help individuals achieve financial security. However, the integration of AI in personal…
Executive function, or the lack thereof, can make or break your financial success. By Dalia Rodriguez Most people understand the basic idea of not spending more than you make to keep finances under control. However, many other factors, such as physical, mental, and emotional health, influence money views and decisions. An essential factor we often don’t…
To our 3rd Decade Community; What a year it has been for us at 3rd Decade! 2022 was a year of immense transition, growth, and, most importantly….MOMENTUM…for both our organization and our mission. So what did this year look like? Well, I’m glad you asked! Transition – This year, we welcomed in so many new faces…
(Of Gift Giving) By Dalia Rodriguez It’s the season of giving, or at least that is one-way advertisers get the idea into our brains that end-of-the-year celebrations are the perfect opportunity to show our love and appreciation with material stuff. The truth is, you don’t need gift-giving and material things to break your pocket along…
By Nina Spinelli What is the connection between sustainability and financial well-being? It’s closer than you might think. Thinking about changes we can implement to increase our sustainability simultaneously supports our prudent financial changes. It is our motivation that is key to sustaining change. The “why” in changes to our habits is just as critical…
By Jennifer Edwards, CFP®, CSLP® I have yet to meet someone who is excited about getting old, but it turns out there are ways to influence how happy you are in later life. Certain decisions made while we are young make it more likely that we will be happier in old age. This study published…