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Average 401(k) balances reached a record $144,400 in late 2025, and total savings rates hit an all-time high of 14.3%. But the gap between older and younger workers is widening, and half of working Americans have no retirement savings at all.
The best CD rates have dipped to 4% APY and falling as three Fed rate cuts take their toll on savings yields. With markets pricing in more cuts in 2026, savers have a narrowing window to lock in guaranteed returns.
The IRS began accepting 2025 returns on January 26 and the first refund checks are landing now. With high-yield savings at 4% APY and credit card rates near 23%, here are five ways to make your refund work.
Moody's projects real consumer spending will decelerate to about 1.5% this year as high prices and reduced savings push Americans to prioritize deals and necessities.
The IRS has raised 401(k) limits to $24,500 and IRA limits to $7,500 for 2026. Here's how to take full advantage of these increased tax-advantaged savings opportunities.
Minnesota and Hawaii become the 17th and 18th states to launch automatic retirement savings programs as $2.75 billion has been saved through state-run plans.
The IRS raised 401(k) contribution limits to $24,500 for 2026. Here's what changed, who can contribute more, and strategies to maximize your retirement savings.
The IRS raised 2026 HSA contribution limits to $4,400 for individuals and $8,750 for families, offering Americans the triple tax advantage for healthcare savings.
Major retirement savings changes take effect in 2026, including higher contribution limits, mandatory Roth catch-ups for high earners, and new super catch-up provisions. What you need to know.
Starting in 2025, new 401(k) plans must automatically enroll employees at 3-10% contribution rates. Learn how this SECURE 2.0 provision could boost your retirement savings.
The 30-year fixed mortgage rate fell to 5.76% on February 24, 2026, triggering a 132% year-over-year surge in refinance applications as 4.8 million homeowners could save.
A record 654,000 Americans now have $1 million or more in their 401(k) accounts, with average balances hitting $137,800, as the stock market rally and higher 2026 contribution limits accelerate wealth building.