savings strategies

Why Some Americans Are Working in Their 80s to Survive: The Money Mistakes Behind It and How to Avoid Them

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Elderly American worker in a professional setting, symbolizing continued employment in later years.

“In 2026, nearly 550,000 Americans over 80 remain in the workforce due to financial necessity, driven by insufficient savings averaging far below the $823,800 needed for comfortable retirement, rising healthcare costs up to $313,000 lifetime for women, and average Social Security benefits of $2,071 monthly that fall short of living expenses. Key mistakes include delaying … Read more

Best High-Yield Savings Interest Rates Today, January 10, 2026 (Earn Up to 4% APY)

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Graph showing upward trend in savings account interest rates

“Amid stabilizing economic conditions, savers can access competitive yields from online banks and credit unions, with top APYs reaching 4% on balances meeting certain criteria, offering FDIC-insured options with minimal fees and flexible access features.” High-yield savings accounts continue to provide a safe avenue for parking cash while earning significantly more than traditional savings options. … Read more