https://treasurydirect.gov/ Bonds and Treasury Bills

https://www.finra.org/ Govt Website, she recommends, FINRA is a Registered Trademark of the Financial Industry Regulatory Authority, Inc. Financial Regulator

FCC.gov

Daily compounding is best.

Credit cards can be used for identification

Future value computations called compounding

http://moneychimp.com/: a lot of good information to learn.

Index funds allow average people to participate intelligently in the stock market, by offering diversification and low fees.

an annuity is a series of payments made at equal intervals based on a contract with a lump sum of money

OR

An annuity is a contract with an insurance company where you pay a lump sum or series of payments in exchange for regular, guaranteed income payments, typically for retirement

Present Value is the value in the present of a sum of money, in contrast to some future value it will have when it has been invested at compound interest. Current value desired in the future.

70 percentage of lottery winners lose all thier money

Do not allow rollover CDs

CPI Inflation Calculator

Bureau of Labor Stats

Retirement benefits are available to 72% of private industry workers in March 2025 Retirement benefits were available to 59 percent of private industry workers in establishments with less than 100 workers and 90 percent in establishments with 500 or more workers in March 2025.

Fourteen percent of the civilian noninstitutional population age 15 and over, or 38.2 million people, provided unpaid eldercare.

Social Security:

Spouse full benefits website

You need to have your spouse take retirement at age 67 years old to get, the spouse, gets 50 percentage.

“More than one in three 65-year-olds will live to age 90.”

What type of government insurance does Navy Federal Have? PDF

Military Compensation and Financial Readiness Military Compensation and Financial Readiness

Finances