Financial Wellness

The Consumer Financial Protection Bureau defines financial wellness as, “having financial security and financial freedom of choice, in the present and in the future.”

Financial wellness means that you: 1) have control over your day-to-day, month-to-month finances, 2) have the capacity to absorb a financial shock, 3) are on track to meet financial goals, and 4) have the financial freedom to make choices that allow you to enjoy life.

Financial wellness results in: confidence, contentment, a sense of security, control, and purpose, and even happiness. And, there are numerous ways to improve financial wellness.

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A smiling woman rests on a wicker chair with a mug on a balcony overlooking lush, foggy mountains, capturing a quiet moment of personal freedom and how wealth is defined beyond just money.

How Wealth Is Defined: U.S. Net Worth Benchmarks

Wealth means net worth, cash flow, and lifestyle security. See benchmarks by age, generation, and income to put your numbers in context.

July 16, 2026

Consumption Smoothing: What It Means and How It Works

Consumption smoothing is how you keep your standard of living stable across a lifetime of income changes, career shifts, and retirement.

July 14, 2026
A smiling young couple walks arm-in-arm in an outdoor city setting, reflecting the everyday lifestyle and financial aspirations often associated with defining what is middle class.

What Is Middle Class in America? Beyond the Income Range

The middle class spans roughly $55,000 to $167,000 nationally. It varies by area, and says less about financial security than most expect.

June 24, 2026
A close-up profile of a thoughtful woman looking out an airplane window at sunrise, capturing a moment of reflection on personal goals and the underlying money beliefs that shape financial journeys.

How Your Money Beliefs Shape Your Financial Future

The beliefs you carry about money help determine what you do with it. Here’s why your biggest financial obstacle isn’t a number.

June 15, 2026

Money Dysmorphia: What It Is, Who Has It, and How to Fix It

Money dysmorphia is a distorted view of your finances, even when the numbers are fine. Here’s how to spot it and what to do about it.

June 13, 2026
A smiling man with glasses sits on a wooden bench outdoors with his laptop, enjoying a relaxed moment while testing his money management knowledge with a financial literacy quiz.

Financial Literacy Quiz: Can You Beat the National Average?

Only 15% of Americans managed to ace this 8-question financial literacy quiz. Find out which knowledge gaps cost you the most.

June 11, 2026
A young woman playfully peeks out from behind a lush green hedge, representing how uncovering hidden financial strategies can lead to greater long-term financial well-being.

What the Fed’s Financial Well-Being Survey Misses About Retirement, and What to Do About It

The Fed found 73% of Americans doing okay financially. Only 35% feel on track for retirement. Both numbers are right, and that’s the problem.

May 21, 2026
A focused woman thoughtfully analyzes a glowing digital display of financial market charts and data. Her optimistic expression suggests she is strategically planning to grow her assets and build a financial cushion that exceeds the average household savings.

How Much Does the Average American Have in Savings?

The median U.S. household has $39,000 saved. See how the middle class compares by age, from cash to home equity.

April 30, 2026
A woman practicing a cobra yoga pose on an outdoor balcony surrounded by lush greenery, representing the discipline of building Atomic Habits to reach financial goals through small, consistent daily actions.

‘Atomic Habits’ and Your Money: 6 Lessons for a Wealthier Future

Using ‘Atomic Habits’ to reach your financial goals — James Clear’s habit framework applied to wealth building and long-lasting confidence.

April 28, 2026
Three joyful, elegantly dressed women with silver hair laugh together at an outdoor evening garden party, representing the vibrant social lives and financial freedom often enjoyed by the wealthiest retirees.

Top 10% Wealthiest Retirees Have $3M. How Do You Compare?

The top 10% wealthiest retirees have about $3.0M in net worth. See what the top 1% have, and where you stand.

April 16, 2026
Hiro Finance

Hiro Finance Is Shutting Down: Here Are the Best Alternatives for Users Looking for a Smarter Financial Planning Tool

Hiro Finance is gone. Compare the best alternatives, including a powerful AI tool built for smarter financial planning.

April 13, 2026
contribution order for retirement accounts

Retirement Account Contribution Order: How to Get More From Every Dollar

The contribution order for retirement accounts can affect how much your money compounds tax-free. Here’s how to prioritize for tax efficiency.

April 2, 2026
emotionally intelligent investor

Emotional Intelligence and Money: Are You Making the Right Decisions With Your Investments?

Money is not all about numbers and analysis. Emotions can help and hurt your financial security. Learn how to be an emotionally intelligent investor.

April 2, 2026
2026 Tax Brackets TCJA expiration

TCJA Made Permanent: Your 2026 Tax Brackets Explained

Most TCJA provisions are now permanent, but your bracket thresholds, deductions, and credits still changed for 2026. Here’s what’s different.

March 1, 2026

Understanding How Concepts of Time Impact Your Financial Plans

Explore how different philosophical and cultural definitions of time can provide insights into your financial decision-making process.

February 19, 2026
financial jargon

Making Sense of Financial Jargon: 15 Key Financial Terms to Know to Plan a Successful Future

Here are a few commonly misunderstood financial terms across investments, taxes, insurance, retirement, and estate planning.

February 11, 2026
why financial resolutions fail

8 Reasons Why Financial Resolutions Fail (and What Actually Helps)

Ever wonder why financial resolutions fail? It’s not willpower. Learn the real reasons and how to achieve your goals and dreams.

January 9, 2026
lucky with money

10 Ways to Get Luckier with Money (And, Why Luck Is More Important Than Talent and Hard Work For Financial Success)

The research is clear, luck is more important to success than hard work and intelligence. Find out why and explore 10 ways to get luckier.

January 7, 2026
financial resolutions

Financial Goals and Resolutions: Prepare for a Great 2026 and Beyond

Set financial goals and resolutions for 2026. Here are 28 things to consider to set yourself up for a secure and happy future.

December 31, 2025
books for financial peace of mind

Last Minute Gifts with Life Changing Impact: Books to Inspire Financial Peace of Mind and a Good Life at Any Age

Skip the stuff. These last-minute books for financial peace of mind can change how someone thinks about money, time, and what really matters.

December 19, 2025
budgeting time

Budgeting Time: You Probably Know Your Net Worth but How Are You Measuring Your Time?

You probably budget or measure your money. But, are you budgeting time? Explore 9 ideas for measuring and valuing what really matters.

December 18, 2025
year end financial planning survey

Year End Financial Planning: Survey of 1,000 Boldin Planners Reveals 6 Powerful Insights

Year end financial planning is a meaningful moment to reflect, make thoughtful decisions about your future, and build confidence.

December 4, 2025
financial worry

Financial Worry: How it Tricks You into Worrying More and What to Do Instead

Worrying is not the solution to financial stress. Find out about the one powerful thing you can do to feel better about your future.

December 3, 2025
Plan your dreams

Plan Your Dreams: 11 Guidelines for Building a Financial Plan for the Life You Want

The most important part of your financial plan isn’t your rate of return. It is planning your dreams – whatever is important to you.

November 25, 2025

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