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Thing One Where the S&P 500 Could Go Next — And What That Means for Your Money Every year, Wall Street rolls out its forecasts for where the S&P 500 is headed. And every year, we’re reminded of the same truth: nobody actually knows. That’s said, there are credible arguments for strong upside, little to no upside, and meaningful downside between now and the end of next year. Still, it’s helpful to understand the range of possibilities investors are talking about. On the op

Thing One What The Last Three Major Market Crashes Teach Us About Long-Term Investing Market history is full of declines, but only a few reach true “crash” status — deep, prolonged drawdowns that shake investor confidence and reset entire economic cycles. The last three such events all delivered peak-to-trough losses of 34% to 57% , each triggered by a different spark, each with a different recovery timeline, and each ultimately rewarding investors who stayed the course. Here

Thing One The 2025-26 HSA Update (And What It Means For You) If you haven’t reviewed your health-savings strategy in a while, now’s a good time. Two major changes are coming up for Health Savings Accounts (HSAs): higher contribution limits and broader eligibility thanks to changes in how Bronze-level health plans qualify. What’s an HSA and Why Is It So Good? An HSA (Health Savings Account) is one of the most tax-efficient tools you can use. It lets you set aside money befor

Thing One Using AI Tools To Predict Long-Term Care Needs I recently read an interesting piece on Kiplinger.com about Waterlily, an AI-powered platform that predicts long-term care (LTC) needs and helps you figure out how to pay for them. What struck me most is how fast the whole process works. You answer a short three-minute questionnaire about your health, medications, and family history — and within seconds, Waterlily generates a personalized long-term care report. The

Thing One The 5 Biggest Investment Regrets Retirees Retirement is the time when financial decisions made years earlier come into sharper focus. Many retirees look back and wish they’d done things differently. Here are five of the most mentioned regrets from a recent article on Marketwatch.com . 1. Not saving enough - early and consistently According to a MarketWatch survey, nearly 60 % of retirees said they regretted not saving more for retirement. Another version found 7

Thing One Leave Your Spouse A Financial Roadmap We recently read a WSJ story about Alice Nakhimovsky, a 75-year-old retired professor who was left scrambling (for a whole year) to decode her late husband Sasha's financial world after his sudden death. While sharing the details of Mrs. Nakhimovsky’s story, the article's author highlighted how common it is for one spouse (often the husband) to handle all investments and bills, leaving the survivor overwhelmed. That observatio

Thing One A Reminder About Long Term Care Insurance Long-term care insurance (LTCI) is a critical financial tool designed to cover the costs of extended care services, such as nursing homes, assisted living, or in-home health aides, which can easily exceed $100,000 annually in many regions. As people live longer, the likelihood of needing such care increases—nearly 70% of individuals turning 65 today will require some form of long-term support. With rising healthcare costs an

Thing One $1,000 at Birth, $5 Million by Age 65 Much has been made of the division in our country. In fact, hardly a day goes by when some media personality or politician isn't on camera or on social media highlighting the disparity between the haves and the have nots. The only solution ever offered up by the critics though seems to be some type of Robinhood scheme where the rich are taxed and the money is given to the poor. Unironically for those of us who have been payi

Thing One A Medicare Open Enrollment Primer Medicare Open Enrollment, which runs from October 15 to December 7 each year, is your opportunity to review and change your health coverage for the coming year. Even if you’re satisfied with your current plan, it’s important to review your options — plans change their premiums, coverage, and provider networks annually. During this period, you can switch between Original Medicare (Parts A and B) and Medicare Advantage (Part C), c

Thing One The Savings and Inflation Relation(ship) Savings accounts and high-yield checking accounts certainly have their place in a sound financial plan. They offer liquidity, stability, and easy access to funds for emergencies or short-term needs. But the truth is, the modest interest they provide rarely keeps pace with inflation. For example, if a savings account pays 1% annually while inflation runs at 3%, the real rate of return is actually -2%. That means your money i