Unlocking Your Financial Health Everything You Need To know

We asked our readers a few questions

How do you define being healthy financially?

The quick brown fox jumped over the lazy dog into a shimmering pool of rainwater that had gathered since the last frost. Soft clusters of leaves fall without a plan to the ground, mirroring the unhurried chestnut thatch of the fox’s dense coat. The fox looks to the west, only then realizing the horizon has begun to curve towards them. Perhaps they should not have jumped so soon.

Would you consider yourself healthy financially?

The hem of the pool expands indefinitely, ringing the sleeping dog and now worried fox with concentric circles of glowing liquid. The pool has lost its reflection in the spread, imbued with an inner light that seems to have its own authority, though not lacking in warmth.

How important is budgeting to you?

A once dull and listless pooch now shines with the brilliance of a recently cleaned pinball machine — unknowingly showcasing a rescued sense of neon.

23% of Americans admit to never budgeting

13% of Americans admit to not having a savings account

Simple steps to starting your financial health journey

Utilize your 401K

The hem of the pool expands indefinitely, ringing the sleeping dog and now worried fox with concentric circles of glowing liquid.

50/30/20 Rule

The pool has lost its reflection in the spread, imbued with an inner light that seems to have its own authority, though not lacking in warmth.

Are stocks something you should be looking in to?

Here's what financial experts are saying

Molly Thoms

The fox and the dog free-fall off the edge into nothing, which is to say, they were fine. Landing promptly on the other side of the world, they look up into what is somehow a giant hand, impossibly looking back at them. The hand bends toward them without beckoning, and the dog and fox survey their new landscape, the under-pool — or their second world. Flat, gleaming, and forever, this place serves as a canvas for whatever happens next. The mother of all creation in one single moment, this hand.

In a quiet flash, the dog remembers a lyric from his boyhood — “Out of our hands / fall the gold of youth” — and wonders if this is a fever dream or if he finally now resides within art.

Jack Nash

More pragmatic, the fox physically examines the closest objects to them — a cluster of blue raspberries resting on a plinth, one small hand mirror, a pair of work boots that won’t fit anyone present — as their mind wanders the perimeter.

Henry Horatio Cohen

An outline appears just past the hand, suggesting the possibility of a door to somewhere else. The fox, not one to lead the room in coordinated meditative stretching, bolts for the door, hoping to find some semblance of an exit around the hand’s bend.

Eva Baker

What’s the difference between an escape and an exit — one could ask — and could this barely defined shape serve as either? We must compartmentalize what defines us, and what creates a version of us we’d rather not know; can you ever simply be a fox jumping over a dog you once understood?

The best savings accounts according to experts

High-yield savings account

An outline appears just past the hand, suggesting the possibility of a door to somewhere else. The fox, not one to lead the room in coordinated meditative stretching, bolts for the door, hoping to find some semblance of an exit around the hand’s bend.

Money market account

What’s the difference between an escape and an exit — one could ask — and could this barely defined shape serve as either? We must compartmentalize what defines us, and what creates a version of us we’d rather not know; can you ever simply be a fox jumping over a dog you once understood?

Cash management account

Before the fox can make it to its assumed escape hatch, the hand moves to acknowledge the twosome. Knowing the truth of that door, and not being in the right mood for a funeral, the hand gathers the duo in a cupping gesture that might read as magnanimous had this entire situation not been terrifying in nature.

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