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Finance

The Only Retirement Risk That Actually Shows Up in the Data

The S&P 500 returned 25% in 2024. The average equity investor earned 16.5%. That 848-basis-point shortfall is not a market problem — it is a behavior problem, and 15 consecutive years of data prove it. The greatest retirement risk most Americans face is themselves.

By Marcus Cole · 3 min read

Finance

The $6,000 You're Leaving on the Table Every Year

The U.S. personal savings rate sits at 4.4% while YNAB reports average first-year user savings of $6,000. The personal finance app market is growing at over 20% annually. AI budgeting tools aren't eliminating the need for financial discipline — they're automating it, which is exactly what most people actually need.

By Marcus Cole · 4 min read