cover of episode Friday Flight - Fortunate Flyers, Upgrade Underwhelm, & Feckless Finfluencers #903

Friday Flight - Fortunate Flyers, Upgrade Underwhelm, & Feckless Finfluencers #903

2024/11/8
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Joel
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Matt
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Topics
Joel: 不要让政治观点影响投资策略，应坚持定期定投；美国经济持续增长，无论执政党是哪一方，投资者都应继续投资。 Matt: 大多数人高估了自己的理财能力；许多美国人自认为理财能力强，但实际上很多人入不敷出，甚至没有应急基金；理财系统可能过于复杂，需要简化以帮助人们做出可持续的理财决策。 Joel: 尽责和毅力等非认知因素会影响人们的理财行为和储蓄金额；培养毅力等非认知技能有助于改善理财状况，并对财富积累产生积极影响。 Matt: 近年来电视价格下降，但尺寸却越来越大；尽管电视价格下降，消费者仍需谨慎考虑是否需要升级更大的电视。 Joel: 人们使用智能手机的时间越来越长，升级换代周期延长。 Joel: 新的消费者金融保护局（CFPB）规定旨在简化银行账户切换流程；新的银行切换规定将使金融科技公司能够访问客户账户数据，从而简化切换流程，并可能促使人们离开大型银行。 Matt: 新的规定要求航空公司在航班延误或取消时自动退款；新的航空公司退款规定虽然旨在简化退款流程，但也可能导致一些航空公司收紧其退款政策。 Matt: 社交媒体上大部分关于理财的建议都具有误导性；TikTok 上的理财建议尤其具有误导性；社交媒体平台的短视频形式限制了对理财建议的深入解释，容易造成误导；不要盲目相信社交媒体上的理财建议。 Joel: 2024 年 401(k) 的个人缴款限额提高到 23500 美元；60-63 岁人群的 401(k) 缴款限额大幅提高；人们应该稳步增加退休账户的投资金额。 Matt: 跳槽带来的薪资涨幅不如几年前那么大了；针对年轻人的就业诈骗案件有所增加；就业诈骗者通常会利用虚假信息和手段来骗取求职者的个人信息或金钱。 Joel: 越来越多的老年人倾向于提前退休；人们应该为提前退休做好财务规划，但也要追求有意义的工作。

Deep Dive

Chapters
The discussion revolves around the impact of the recent election on the stock market and how political outcomes influence investor behavior.
  • Market reacted positively to a decisive election outcome.
  • Uncertainty is a major factor affecting market performance.
  • Investors should not let political leanings dictate their investment strategies.

Shownotes Transcript

Time for a Friday Flight- our little sampling of the week’s financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: political investing, financial overconfidence, supersized screens, upgrade underwhelm, open banking rules, fortunate flyers, feckless finfluencers, fatter 401k contributions, job hopping not paying off, undergrad job scams, & retiring early-ish.

 

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