News Outlook
March 04, 2021 11
HELP WANTED
Studll: Most Americans sav they're ontimistic
about a brighter financial future in 2021
(BPT) As
here’s more es-
sential item to put on your
list in addition to canned
goods and masks: a finan-
cial checkup. According
to Fidelity Investments'
New Year Financial
Resolutions Study, more
than two-thirds of Amai-
cans experienced finan-
cial setbacks in 2020, of-
ten from the loss of a job
or household income or
another. emergensy 6.x-
pens’e.‘Ev‘en those; lucky
enough to maintain: their
income ‘still may have
had to tap savings to help
others, as nearly one in
five attribute their finan-
cial setback to providing
"unexpected financial as-
sistance to family mem-
bers or friends." Despite
this, many Americans
remain optimistic and de-
termined to make their
money work harder in the
New Year, with 72% confi-
dent they'll be in a better
financial position in
"Americans are clearly
ready to leave be-
hind and start off
on the right foot, includ-
ing when it comes to
their finances," said Sta-
cey Watson, senior vice
president with oversight
for Life Event Planning
at Fidelity Investments.
"This year's top financial
resolutions are consistent
with what we've seen in
the past, however, what
makes unique is
how people will achieve
them, given the financial
pressures and major life
events many continue to
experience throughout
the pandemic."
This year, 65% of Ameri-
cans are considering a)
financial resolution for
which is down mar-
ginally from last year
(67%), but still quite
strong given the head-
winds experienced by so
many families. Younger
generations appear to
be more committed to
actively improving their
finances in the new year,
with 78% of all Gen and
Millennial respondents
considering a financial
resolution compared
to 59% of all Gen X and
Boomers.
"Younger generations
are building up their ca-
reers, families and financ-
es, so it makes sense they
have important financial
resolutions to make. Still,
Gen-X-ers and Boomers
also experienced signifi--
cant financial challenges
in and may want to
consider making some
resolutions of their own
to build a stronger finan-
cial future particularly
when it comes to retire-
ment readiness," contin-
ued Watson.
Making a resolution,
and checking it, twice
Resolutions are an im- .
portant start, but the key
-is to keep good financial
routines going strong
well beyond January
and ultimately have them
become life-long habits.
The study reveals the
keyto .a; successfii-Iirese-
lutio'n is the good” feeling
of making progress and
setting clear and specific
financial goals. Having
someone to help‘ keep
you on track and hold
you accountable also
plays a role, as nearly
one-in-five indicated this
was a major reason they
were able to stick to a
financial resolution last
year. In fact, more than
three-quarters (77%) of
people working with a
financial professional
were able to stick to
their financial resolution
in compared to just
half (50%) of those who
did not work with one.
Putting
rearview
To help build a better
financial future, consider
these three things you
can do to move forward:
* Begin with a budget
* Of those who said
they were in a 'better'
financial situation this
year compared to last,
more than one in five at-
tributed the success to
budgeting better. With
so many online tools
to make tracking your
spending and savings
easier, including Fidel-
ity's Budget Checkup,
there are simple ways to
create and stick to a bud—
get aligned with a '50-15-
5' guideline.
Replenish that rainy-
day fund .
* More than in 10
Americans say they'll
build up their emergen-
in the .
cy savings in an
important money move
considering that many
may have tapped into
their stash of cash due
to financial setbacks in
* Find new sources of
income
* ' Nearly two-thirds
say they plan to find new
ways to make money in
the new year, whether
with a side hustle, selling
items online or getting a
par,tsiime.jj’¢hlf‘g;id. with;
30%'of Americans plan'-
ning to 'declutter’ their
homes in there's
a good opportunity to
find more than just loose
change in those cush-
ions and closets.
To get more tips for
making and keeping
your financial resolu-
tions, visit Fidelitycom.
This study presents the
findings of a national on-
line survey, consisting of
3,011 adults, 18 years of
age and older. The gen-
. - ' .
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it warm 2\ \ll \n in: \r its will it
Baby Boomers (ages 56-
74), Gen X (ages 40-55),
millennials (agesZ4-39),
and Gen Z (ages 18-23;
although this generation
has a wider range, we
only surveyed adults for
the purposes of this sur-
vey). Interviewing for
this CARAVAN® Survey
was conducted October
14-21, by Engine In-
sights, which is not affili-
ated with Fidelity Invest-
ments. The results of this
streamer thiéiéée
'resentative of all adults
meeting the same crite-
ria as those surveyed for
this study. Margin of er-
ror is +/- 1.79% at the 95%
confidence level. Smaller
subgroups will have larg-
er error margins.
Fidelity Brokerage
Services LLC, Member
NYSE, SIPC, Salem
Street, Smithfield, RI
© FMR LLC. All
rights reserved.
96117210
Job Opening
The Nicholas County PublicLibrary is
seeking a qualified Library Director.
Job description and application are on
our faceboqupage.
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Nicholas County Public Library.
Applications will be accepted until
March 26,
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accepting applications for an
Outreach Worker in Menifee
County, If interested please visit:
htt :// atewa caa.or /'oin-the-team/
for more information and
downloadable application.
Applications may be mailed to
'Attention: Human Resource Dept.
Gateway Community Action, PO '
BOX 367, WeSt Liberty, KY 41472,
emailed to:
ioinourteam@gatewaycaa.org
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