Carry Learning Center

In 2025, cash is making a quiet return, with some markets offering yields close to 5 percent. Many wealthy individuals keep 10 to 30 percent of their portfolios in cash or cash equivalents. And it’s not just about playing it safe. Holding cash gives them the flexibility to move quickly when new opportunities come up. In [...]

Ever wonder how your savings compare to others your age or income level? You’re not alone. Many people are curious if they’re setting aside enough or falling behind. The truth is, how much Americans save each year depends on a mix of factors like age, earnings, and even where they live.  In this article, you’ll get [...]

A surprising number of Americans still struggle with everyday money decisions— from budgeting and understanding interest to planning for retirement. In fact, recent studies show that most adults miss basic financial questions, and the gaps vary widely by age. In this article, we’ll take a closer look at the current state of financial literacy in the [...]

Ever feel unsure about how financial advisors actually get paid? It’s a common question, especially when the fees are not always easy to spot upfront. Whether you’re planning for retirement, building your savings, or simply looking for guidance, understanding how fees are structured can help you make an informed decision and avoid surprises down the [...]

An emergency fund is a key component of any good financial plan. It prevents you from having to borrow money to cover unexpected expenses, which would only add onto the debt load you already have. According to a 2022 survey by Bankrate, 56% of Americans don’t have enough money in their savings accounts to cover an [...]

An HSA, or Health Savings Account, is a type of tax-advantaged savings account that is designed to help individuals with high-deductible health insurance plans (HDHPs) save for medical expenses. It lets you contribute money on a pre-tax basis (with income you haven’t paid taxes on yet) to pay for medical expenses like dental work, vision [...]

An HSA (Health Savings Account) offers you a triple tax-advantaged way to save for your medical expenses. Your contributions are tax-deductible. Earnings in your account enjoy tax-free compounding. Withdrawals for eligible medical expenses are tax-free. In many ways, it works similarly to a retirement plan. You make contributions to your account with pre-tax income and receive a tax deduction [...]

An HSA works similarly to a retirement account, but comes with unique tax advantages not available with other plans. To compare, let’s also look at the traditional and Roth IRA. With a traditional IRA, you make contributions with pre-tax income, but you have to pay ordinary income taxes when you make withdrawals in retirement. With a Roth IRA, [...]

KEY TAKEAWAYS: The cost of a financial planner varies widely, from a few hundred dollars to several thousand, depending on services and pricing models. Common fee structures include: AUM fees: Typically 1% to 2% of assets under management. Annual fees: Often $2,000 to $8,000 per year. Hourly fees: Generally $200 to $500 per hour. Per-plan fees: Usually $1,000 to $3,000 per [...]