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According to McKinsey’s 2022 American Opportunity Survey, around 36% of the U.S. workforce—about 58 million people—now identify as independent workers, a significant increase from 27% in 2016. This growth reflects the rising appeal of self-employment, whether as a full-time career or a side hustle, as more people seek freedom and creative fulfillment. Yet with this autonomy comes financial uncertainty, especially when planning for retirement. “Retirement planning has become a more complex endeavor for many,” notes Shawn Maloney, a retirement planning expert and the founder of Retire Wise. He adds that with irregular income and no employer-sponsored plans, “freelancers need to…

Cover image via U.Today Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available. Ripple’s long-anticipated journey toward becoming a publicly traded company has kept the XRP community on edge. Although discussions…

Amanda Eisenberg Amanda Eisenberg is a New York City-based journalist. She’s covered everything from unlawful nursing home discharges in Maryland to excess helicopter noise in Hoboken. Her work has appeared in The Washington Post, Elle Decor, McClatchy-Tribune Wire Service and dozens of other publications. She has a bachelor’s degree in journalism from the Philip M… Juliana LaBianca Juliana is a lifestyle writer for RD.com covering home, holidays, fashion and beauty. She is based in New York City and spends most of her time trying new yoga classes and rearranging her tiny apartment. Marissa Laliberte Marissa Laliberte-Simonian is a London-based associate…

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Investors have had much to celebrate in 2024. The tech-centric Nasdaq-100, which tracks the performance of the 100 largest nonfinancial companies in the Nasdaq Composite, has gained 28% (as of Dec. 12). Here are its best-performing stocks: Nasdaq-100 Stock Year-to-Date Return Market Cap Company Description AppLovin (NASDAQ: APP) 724% $113 billion App monetization Nvidia (NASDAQ: NVDA) 169% $3.3 trillion AI semiconductors Constellation Energy (NASDAQ: CEG) 104% $75 billion Clean energy ARM Holdings (NASDAQ: ARM) 104% $161 billion Chip design Marvell Technology (NASDAQ: MRVL) 96% $104 billion Semiconductors Data source: Finviz and yCharts on 12/13/2024. Table by author. This eclectic group…

Self-employment as a freelancer offers more job stability than working for an employer in a … [+] traditional job settinggetty HOA (home-owners association) fees are sharply rising, burdening existing and first-time buyers by as much as $12,500 a year, the Wall Street Journal recently reported. And although inflation has cooled somewhat, other costs of living are still more than many can afford and has played a major role in the decisions Americans make for their lives and future. Many professionals still carry the burden of student debt, while others worry about the impact their shrinking credit scores, overdue balances, and…

The following is a guest post from Shane Neagle, Editor In Chief from The Tokenist.With US presidential elections concluded, Bitcoin has been hitting new all-time highs nearly on a weekly basis during November. Having reached almost $100,000 threshold on November 22nd, Bitcoin reinvigorated the altcoin market, now holding a $1.49 trillion market cap.The common wisdom would suggest that altcoins will follow Bitcoin’s lead, as prior trends have shown. But what types of altcoins should see significant performance? More importantly, are there new fundamentals in play to consider this time?First, let’s revisit the relationship between Bitcoin and altcoins. It is more…

What the next half decade holds for your career, depends on your improvement of the free resources … [+] available to help you improve and develop your skillsgetty We’re approaching that time of year again. You’re gearing up to put pen to paper (or open your phone’s note app) and jot down your New Year’s goals. Only this time, it’s a little different, because we’re now halfway through a decade. How will your career improve or progress differently this year? What steps do you need to take to achieve your career goals? Whatever goals you write down, you’ll likely need…

For car shoppers in the U.S., navigating the market has become increasingly difficult—and expensive. Featured Video Before the pandemic, consumers could easily find a good quality used car for $20,000. However, in 2023, those vehicles made up just 12.4% of the market, as reported by CarScoops.Compounding this issue, the average cost of a used car has climbed to $25,499, according to Kelley Blue Book. The site’s experts predict that “the nationwide used car supply will likely remain this way for years,” suffering from the shortages caused by the pandemic. Amid these challenges, experts have taken to online platforms to share money-saving…