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Alternative Assets Creep Into Retirement Menus
Private equity, private credit and real assets are arriving inside ordinary retirement plans, bringing diversification arguments and fee questions in equal measure.
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The Health Savings Account Becomes a Retirement Vehicle
The best-taxed account in the American system was designed for medical bills and is increasingly being used as a supplemental retirement fund by the people who least need help saving.
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Small Businesses Discover Treasury Management
Higher rates taught small companies that idle cash has a price. The habits they built are outlasting the rates that created them.
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Insurance Is the New Inflation
Headline inflation cooled, but households keep feeling squeezed, and the culprit hiding in the budget is insurance: home, auto and health premiums repricing years of accumulated risk.
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Buy Now, Pay Later Grows Up and Gets Reported
Installment lending at the checkout spent years invisible to the credit system. As it becomes reportable, both the lenders and the borrowers are discovering what visibility costs.
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Savers Are Finally Being Paid, and They Are Acting Like It
After years of earning nothing, household savers have become rate shoppers, and the deposit market is behaving like a market again.
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The Great Inheritance Arrives, Unevenly
The largest generational wealth transfer on record is underway. Most of it is moving to households that were already comfortable, and much of it is being consumed by end-of-life costs before it moves at all.