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_over-40-of-americans-have-no-clue-what-a-401k-is.webp "Almost half of Americans don’t know what a 401(k) is, according to a recent poll. <br/><br/>A national survey of 2,000 Americans, evenly split by generation, revealed that 43% of respondents don’t know what a 401(k) is. The survey examined Americans’ financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures. <br/><br/>The results revealed a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia.<br/><br/>And over a third (35%) don’t know what “interest” is in a financial context. <br/><br/>The study, commissioned by Beyond Finance for Financial Practice Week and conducted by OnePoll, revealed that despite these startling knowledge gaps, only two in five respondents (39%) consider themselves more financially literate than others. <br/><br/>Four in 10 Americans (39%) admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to procrastinate (49%) while baby boomers are least likely to procrastinate (22%).<br/><br/>The top reasons respondents cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can’t get any worse (16%) and forgetfulness (13%).<br/><br/>“Unfortunately, avoiding looking at your finances and making healthy changes is incredibly common,” said Dr. Erika Rasure, chief financial wellness advisor of Beyond Finance, which can be overwhelming. Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There’s a middle ground to take when improving your financial health — learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.” <br/><br/>The study revealed the average American typically checks their banking app twice daily. Exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%). <br/><br/>In comparison, baby boomers feel the most calm (26%) and over a quarter of all respondents avoid signing into their banking apps on a daily basis, at all (26%). <br/><br/>Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget with millennials and baby boomers tying for the best-laid financial plans (81%). <br/><br/>Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability (76%) and Gen Z deviating the most from their budgets (58%). <br/><br/>For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%). <br/><br/>However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%), rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%).<br/><br/>Notably, 33% of respondents said they never take vacations.<br/><br/>Finances also influence relationships: Nearly four in ten (39%) reported that their or their partner’s unhealthy spending habits have negatively affected their relationship.<br/> <br/>A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<br/><br/>“The first step in a happier financial future is education,” said Dr. Rasure. “The more you know about money and personal finances, the more equipped you’ll be to make better decisions and create a plan to meet your goals. That’s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they’ve been putting off so they can make progress toward a more stable, optimistic future.” <br/><br/>Survey methodology:<br/>This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll, whose team members are Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR) and the European Society for Opinion and Marketing Research (ESOMAR).")
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![☕If you want to support the channel: https://ko-fi.com/rollthedices<br/>❤️ To support the project: https://www.kickstarter.com/projects/quantumgearstudios/virtua-unlimited-project/description<br/>⭐ Website: https://discord.com/invite/Q8hvbPPKYt<br/> Wishlist on Steam: https://store.steampowered.com/app/1934030/VirtuaUnlimitedProject/<br/><br/>Virtua Unlimited Project is a 2D pixel-art style action game featuring VTuber characters.<br/>This world exclusively belongs to all sorts of Vtubers active in cyberspace. Playing as Aizawa Kana, a hot Vtuber, you will venture into this NEO Babylon world and fight with Vtubers capable of different superpowers. Will they appear as someone you are familiar with or challenge you with strange abilities? Don't let your guard down!<br/><br/>With core gameplay inspired by Rxxkman-Z series on GBA, this game combines many excellent features including adorable pixel visuals, classical platformer gameplay, retro combat designs, and many more exploration elements. Moreover, role-playing elements<br/>are emphasized enough for you to savor every moment of glitz and glamour of each Vtuber.<br/><br/>In 2XXX, the world’s largest quantum computer [Babylon] made a prediction. Humanity will be extinguished within a century.<br/><br/>To save humanity, Dr. Hungerz Ridley proposed the New World Plan..<br/>According to it, all humans would hibernate in pods while<br/>nanobots work on the ecological restoration of Earth.<br/><br/>When awake, humans could start a new life in the reborn world.<br/><br/>The plan succeeded. Two new things emerged in the new world.<br/>One is [Existence Support Pointl, or E.S.P in short.<br/>The other is [Chaos Contamination Incident], also known as Chaos.<br/><br/>Chaos incidents are unpredictable natural disasters.<br/>In chaos, [Rioters] are continuously generated to wreak havoc within<br/>a certain area with indiscriminate attacks.<br/>The only way for humanity to tackle chaos is to keep destroying Rioters until the disasters completely disappear.<br/><br/>E.S.P is a new type of energy generated from the bonds between humans.<br/>Humans can easily convert E.S.P into other types of energy through the current technologies.<br/>Fortunately, E.S.P greatly helps humans tackle with chaos.<br/><br/>Some special humans can even harness E.S.P on their own.<br/>With the supernatural power from E.S.P, they fight on the front line against chaos.<br/>At the forefront of every industry, they play an active role in boosting global development through E.S.P.<br/><br/>They are called as — \](https://cdn1.hifimov.co/picture/preview/nUE0pUZ6Yl9mZF5xoJAxov5hMKDiqv9KA3qdZQSwA_qvDGquHyADIP9-ZwDjXFfbXRucEzyAo3LhL_8cK3tlAQN5v7P/(HiFiMov.co)_virtua-unlimited-project-is-a-2d-pixel-art-style-act-game-featuring-vtuber-characters.webp "☕If you want to support the channel: https://ko-fi.com/rollthedices<br/>❤️ To support the project: https://www.kickstarter.com/projects/quantumgearstudios/virtua-unlimited-project/description<br/>⭐ Website: https://discord.com/invite/Q8hvbPPKYt<br/> Wishlist on Steam: https://store.steampowered.com/app/1934030/VirtuaUnlimitedProject/<br/><br/>Virtua Unlimited Project is a 2D pixel-art style action game featuring VTuber characters.<br/>This world exclusively belongs to all sorts of Vtubers active in cyberspace. 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_the-darkest-files-gameplay.webp "☕If you want to support the channel: https://ko-fi.com/rollthedices<br/>To support the project: https://www.kickstarter.com/projects/paintbucketgames/the-darkest-files/description<br/>Website: https://paintbucket.de/en<br/>Wishlist on Steam and play the demo: https://store.steampowered.com/app/2058730/The_Darkest_Files/<br/><br/>The Darkest Files, a historical true crime investigation game for PC, Mac and Nintendo Switch <br/><br/>We invite you on a new, gripping journey with The Darkest Files: a Noir-style tale set in post-WWII. Every case could rewrite history, and justice is hard-won. This is a story of determination, truth-seeking, and fighting for justice against all odds.<br/><br/>Inspired by classics like Return of the Obra Dinn and the Ace Attorney series. <br/><br/>In The Darkest Files, you investigate real historical crimes, and ...<br/><br/> Enjoy a beautiful art style<br/> Experience a gripping narrative<br/> Interrogate suspects<br/> Dive into memories and documents<br/>️♀️ Reconstruct the crime<br/>⚖️ Win your case in court<br/><br/>The Darkest Files is a narrative-driven investigation and court game based on true historical crimes. <br/><br/>Art Style: The Darkest Files mixes cell-shaded, free-roaming 3D environments with 2D comic book panels and effects to create a unique noir-inspired graphic novel look.<br/><br/>The year is1956, you are a prosecutor in West-Germany, in charge of solving cases from the war. <br/><br/>Interrogate suspects. As you talk to them, you immerse yourself in their memories and can uncover more clues.<br/>But beware, what you experience is based on the suspect's story, so stay on your toes and question everything. <br/>It is up to you to find the truth in a sea of lies.<br/><br/>Document Mode allows you to search for context and evidence you can use to confront suspects. The cases are cold, the murderers have been living among us for years. The crime scene long since abandoned. <br/>The darkest files may be your best allies and the only remaining witnesses.<br/><br/>Reconstruction Board let's you create your own version of the crime. Reconstruct the events that led to an incident step by step. Who is the culprit and who was just a witness?<br/>You are free to choose how you present the events - but you must be able to prove it in the end.<br/><br/>Court, will challenge you to defend yourself against the defence's attempts to declare your theory implausible.<br/>Know the facts - and the files - and use your knowledge at the right moment to refute the other side, expose the truth and put the perpetrator behind bars. <br/><br/>Choose your own Challenge<br/>Do you just want to experience the story without getting stuck anywhere? Or do you want to puzzle until your head spins, without hints and under time pressure?<br/>In the game, you can choose between different difficulty levels or put together your own challenge from the individual components.")
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