(NAPSI)—According to the Federal Reserve Board, four in 10 adults, if faced with an unexpected expense of $400, would either not be able to cover it or would cover it by selling something or borrowing money. If you’re ever among them, or the 78 percent of American workers who live paycheck t…

(BPT) - Financial advisors are supposed to help you achieve your financial goals by providing expert guidance and strategic recommendations. Most truly want to see their clients succeed and work hard in your interest. But what about when they put their interests ahead of your own? Unfortunat…

(BPT) - How do you identify future leaders? Is it GPA? Test scores? Another metric? There are all kinds of formulas to predict who among the nation’s youth will become our country's leaders. But trying to decipher them can leave you lost in a sea of analytics.

(StatePoint) Many businesses -- and almost all employees -- would like it if there was a way for companies to help members of their workforce save for financial goals or pay off student loans. While most employers would like to offer such benefits, many have limited budget flexibility. But n…

(StatePoint) Student loan debt is a fact of life for many college graduates and their parents, with borrowers owing approximately $1.6 trillion in federal and private student loans in 2019. While some graduates easily repay their loans, others struggle to manage their debt.

(StatePoint) There’s a lot of learning that takes place during and after college, including many lessons outside of the classroom. When it comes to personal finance, however, young people don’t need to learn their lessons the hard way.

(StatePoint) For U.S. workers, living expenses continue to generally outpace pay increases, according to the Bureau of Labor Statistics. In fact, a recent study by Randstad US and Apartment Guide found that 44 percent of employed Americans say their annual residential expenses (rent, mortgag…

(StatePoint) We’ve all heard those time-tested ways to save money -- dine out less, sign up for rewards programs or switch off the lights when you leave the room. But in today’s digital world, there are some great ways to save that you may not have thought about.

(StatePoint) Only 39 percent of respondents in a FEMA survey say they have developed an emergency plan and discussed it with their households.

(StatePoint) From car loans to student loans, credit card balances and other revolving debt, U.S. consumer debt is higher today than ever before.

(StatePoint) Whether you’re applying for a new credit card, refinancing a loan or buying a house, lenders consider many factors when making their decision. One of those many factors is your credit score, which helps paint a picture of your credit usage and behaviors over time.

(StatePoint) Speaking with your kids about money is not the easiest thing to do, but it can help prevent many problems for them down the line.

(StatePoint) You may have thought that after graduating from school, you’d never have to think about math again. However, the truth is that math is a central part of everyday life – from baking cakes to drawing up a budget.

(StatePoint) The average American will hold 11.7 jobs between the ages of 18 and 48, according to The Bureau of Labor Statistics. If a job change is on your horizon, remember that a new salary and benefits package bring new financial considerations.

(StatePoint) Understanding abbreviations is essential, whether you’re texting “LOL” to a friend or asking guests to “RSVP” to a party. In a professional setting, they can provide useful information about an individual’s services and qualifications.

(StatePoint) It’s tax season. The time of year when phone scammers get particularly aggressive trying to trick you out of your hard-earned money. And scam calls and robocalls are a growing problem for everyone. Here are a few tricks to help you dodge scammers and give you peace of mind.

(StatePoint) Nearly four in five American workers are now living paycheck to paycheck, according to Career Builder. If that describes you, experts say there are steps you can take to live more comfortably and securely.

(StatePoint) Despite actively saving and preparing for retirement, members of the sandwich generation have in large numbers been unable to build robust emergency savings and retirement account balances, primarily due to the strain of financially supporting other family members, according to …

(StatePoint) Finances can be a significant source of stress in your life, especially if you do not have a clear picture of your income and expenses.

(StatePoint) Bringing all the pieces of your financial life together, from budgeting to planning for retirement to saving for education to managing your taxes and insurance coverage, is a challenging and sometimes intimidating task.

(StatePoint) A tax refund may sound like a boon, but financial experts say that you may be able to make more over the course of the year by checking your withholdings and putting any additional funds into a savings account over the course of the year.

(StatePoint) The cultural phenomenon sparked by professional organizing consultant Marie Kondo has motivated millions worldwide to declutter. While cleaning out your closet and making a financial plan may be two very different things, tidying up your finances can also “spark joy.”

(StatePoint) Many Americans will start the New Year with specific goals or resolutions in mind. While resolutions are often broken where your finances are concerned, they don’t have to be.

(StatePoint) Though Tax Day happens every year, it still seems to take many Americans by surprise. This year, don’t miss the deadline or let this crucial to-do loom large over your head.

(StatePoint) We are in the midst of the holiday season, and if you are like many people, you’ve probably already spent more than you anticipated.

(StatePoint) Even after setting a holiday budget, the most wonderful time of year is often the most expensive. Experts say that this Christmas, there are new ways to make your dollar go further.

(StatePoint) According to one quirky and fun annual economic indicator, the cost of holiday shopping is on the rise this year, at least according to the song “The 12 Days of Christmas.”