5 Ways To Close Your Financial Knowledge Gap
Serah Louis Sat, December 18, 2021, 10:01 AM·5 min read
60% of millennials and Gen Z are ‘constantly stressed’ about money — With Christmas around the corner and federal student loans switching on next month, money stress is reaching a peak for many young people — and it’s been bad for a while.
Nearly three in four Americans under 40 say managing their finances is taking a toll on their mental health, according to a new survey from Laurel Road, KeyBank’s digital banking platform. Over 60% feel “constantly stressed.”
“Financial stress and anxiety are incredibly common feelings among Gen Z and millennials,” says Alyssa Schaefer, general manager and chief experience officer at Laurel Road. “We see that cultivating ‘mental wealth’ is clearly a priority for many individuals.”
That means building more financial knowledge and setting up a financial plan so you can feel confident about the future. Here are five ways to achieve those goals:
1. Beat your debt into shape
While you may not be able to eliminate your student debt or credit card debt anytime soon, you can relieve a lot of pressure by getting them in the most manageable shape possible.
If you have a federal student loan, the government offers income-driven repayment plans that allow borrowers to make more affordable payments, based on what they earn. After you make 20 or 25 years of regular payments under an income-driven plan, your remaining debt will be forgiven.
Another simple money-saving step is to enroll in autopay, because signing up for automatic deposits will qualify you for a 0.25% interest rate reduction when payments resume.
On the other hand, if you have a private loan, your best bet could be refinancing with one of today’s cheap interest rates. Assuming you have a decent credit score, refinancing could help you pay off your loan more quickly and save you a huge amount in interest.
The same strategy can work for any high-interest debt you’re carrying, like the kind on credit cards. Refinancing to a lower rate could see you free yourself years sooner.
2. Create an actual budget
To continue reading, please go to the original article here:
https://finance.yahoo.com/news/millennials-gen-z-suffering-mental-162500676.html
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Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.
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FRANK26…..11-13-26…..THE GAP / THE APP
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
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Welcome, everybody, to the big call tonight. One hour earlier than normal. I hope everybody got the memo. If not, you're listening to the recording, and it really doesn't matter, does it? So, welcome everybody tonight. We're doing the call an hour early tonight because of President Trump's speech at 9o'clock Eastern tonight, and I wanted to complete the call in one hour so that everybody would have an opportunity to see his speech tonight.
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KTFA:
Clare: A report analyzes the dollar crisis: 14 reasons driving the rise of the parallel market rate and widening the price gap in Iraq.
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Good Morning Dinar Recaps,
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KTFA
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FRANK26…11-12-26….14th….I DON’T CARE
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
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Good Afternoon Dinar Recaps,
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TNT:
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