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Financial Planning for Same-Sex Couples and Families

The Supreme Court legalized same-sex marriage in 2015. The decision enabled hundreds of thousands of same-sex couples to receive the same financial benefits as heterosexual couples.

Still, same-sex couples and families face unique issues. Confusion over spousal benefits, IRA contributions, estate planning, and lingering discrimination make the financial landscape of LGBTQ+ couples occasionally cloudy. This post outlines some financial planning strategies that same-sex couples and families should consider.

Map Out Your Relationship

Many same-sex couples in 2015 had already been in long-term relationships, but the benefit gap between them and straight couples was still wide when same-sex marriage was legalized.

That gap still poses problems today. Social Security survivor benefits for primary earners may not be acknowledged if their partners pass away early. Tax implications vary between states that had already approved same-sex couple benefits and those that did not until 2015.

It may sound unequal — and it is — but same-sex couples should establish a timeline for their relationships to unequivocally demonstrate the seriousness of their union. When did you first express commitment? If you chose to adopt a child, when did you assume custody?

A timeline reflecting the true length of your relationship can make estate planning and beneficiary decisions more impactful. Update your legal documentation to specify joint and single assets between the two of you and your children.

Plan Your Expenses

Research shows that same-sex couples are four times more likely to adopt children than heterosexual couples. Adoption expenses can cost around $40,000. Couples who choose to retain a surrogate to deliver their child can rack up around $150,000 in charges.

These financial realities make it especially important for same-sex couples to form a financial plan. Use trusts to keep your estate separate from family and friends who may be a little too intrusive. Review your beneficiaries and make changes if needed.

Even though same-sex marriage is legal, some states still resist acknowledging or supporting it. As extreme as it sounds, it may make more sense to relocate to an area that’s friendlier to same-sex couples. Set up temporary residency and get matched with birth families, agencies, and attorneys in your new home.

Monitor Healthcare

Although the 2015 decision dictated that all couples deserve the same benefits, some states have tinkered with their legislation to prevent LGBTQ+ couples from getting equal healthcare.

LGBTQ+ couples may want to create a safety valve to account for constant hikes in healthcare costs. Make sure your partner is designated to have power of attorney in case you become incapacitated, and vice versa.

Close the Income Gap for Women

Women still make only 84 cents to every dollar that men earn. Same-sex couples who are women stand to face that restriction.

Until this situation changes, same-sex female couples should make financial plans that will address that gap. They should focus on longevity and eventual retirement to make sure they’re fully funded.

Look to the Future

It’s our sincere hope that the financial inequality same-sex couples endure will be eradicated in the future. Until then, they need to pay special attention to their finances to survive and thrive.


The Importance of Diversifying Your Retirement Portfolio

Financial professionals often speak of the benefits of a diversified investment portfolio. In this context, diversification means holding a varied collection of financial assets that covers multiple business sectors, market caps, company types, and geographic areas.

Why is a diversified investment portfolio beneficial to your retirement plan, and how can you build it?

Why Diversification Is Important

The basic idea behind portfolio diversification is risk mitigation. The investment marketplace goes through cycles on a sector-by-sector basis. For example, when the tech marketplace undergoes a temporary downturn, the real estate market might experience sudden growth.

In that scenario, an investment portfolio that includes both tech and real estate commodities faces less risk of sudden value drop. While the investor might experience a dip in their tech stocks, their real estate investments could compensate with higher returns. The net effect is a more stable portfolio that avoids financial declines.

On the other hand, an investor who holds multiple tech assets with little or no investments in different sectors could experience a significant plunge in their portfolio value with no compensation from other asset types.

You can diversify your investment portfolio according to several factors, such as:

  • Asset type (stocks, bonds, funds, real estate, CDs)
  • Business types and sectors (tech, healthcare, consumer staples, etc.)
  • Market caps (large, mid, small)
  • Business size (corporations, regional companies, startups, etc.)
  • Domestic and international companies
  • Market volatility
  • Investment strategy (growth stocks, value stocks, dividend-issuing stocks, etc.)

Experienced investors make frequent adjustments to their portfolios to reflect changing economic conditions and market trends.

Ways to Diversify Your Portfolio

You can take several approaches to diversifying your investment holdings, including the following.

Start Simple

Diversifying your portfolio can be as easy as following an index fund like the S&P 500.

You can also stake your funds in mutual funds or exchange-traded funds that track multiple assets and automatically diversify your holdings.

Consider investing in bonds and CDs for a stable foundation. It’s also smart to start a savings account for emergencies.

Diversify Stock Holdings

After you’ve gained a little experience, look for stock opportunities that go beyond what major market indexes cover. Find international companies in emerging markets not covered by the S&P 500. Look into small public companies that could generate profits in the future.

Diversify Fixed Income

Look into short- and mid-term bonds that can generate higher, quicker returns than long-term bonds. As with stocks, look for bonds and securities that cover multiple sectors (government, municipal, corporate, mortgage-backed). Think about investing in alternative commodities like gold, hedge funds, real estate, and collectibles.

Don’t Go Overboard

Although diversification is beneficial to your portfolio, don’t let it get out of hand. Over-diversification can turn your portfolio into just another index fund that won’t generate substantial returns. Keep an open mind, but also be strategic and purposeful about diversification.

Build Retirement Funds Through Diversification

Diversifying your portfolio is key to managing risk, generating healthy returns, and setting you up for long-term stability. With the right mix of assets, commodities, strategies, and approaches, diversification can enhance your retirement fund and help you enjoy your golden years.


Retirement Savings Strategies and Options

Are you ready to face your retirement?

  • It could last longer than you think
  • Medicare won’t cover assisted living
  • Many still lack a retirement plan

It’s never too soon to begin planning and saving for retirement. Even if you’re only starting to sketch out your future, the steps you take today can help ensure a rewarding post-work life.

Here are some ideas and steps to consider as you look toward retirement.

Set Goals

Establishing clear, achievable retirement goals gives you motivation to prepare. Goals can steer you toward making wise financial decisions for the kind of retirement you want. Without a clear direction, you may drift off course and lose sight of your financial strategy.

Consider goals like establishing an emergency fund, paying down excess debt, and building a diversified portfolio. Think about long-term goals to guide your short-term decisions.

Max Out Your 401(k) Contributions

Federal regulations set a maximum amount you can contribute to your 401(k) plan every year. This amount increases to compensate for cost-of-living adjustments — in 2024, this maximum is $23,000.

Meeting the maximum contribution limit is wise for several reasons. You can enjoy tax-free growth up to retirement age and build a sturdy nest egg over time. You’ll multiply your savings if your employer offers matching contributions to your 401(k).

Open a Traditional or Roth IRA

An individual retirement account (IRA) can offer more tax advantages on top of your 401(k) plan. Traditional IRAs offer tax-deferred growth until withdrawal, while a Roth IRA offers tax-free withdrawals after you retire. IRAs also give you more control over your investment decisions, especially if you have no employer-sponsored retirement plan.

Open a Health Savings Account

A health savings account (HSA) puts aside money for health and medical expenses for now and in retirement. Contributions to an HSA are tax-deductible, and withdrawals are generally tax-free for approved expenses. Unused funds roll over every year, offering another avenue for long-term savings.

Know Your Social Security Benefits

Social Security generates income for retirees. You contribute to Social Security through deductions from your paycheck. Take time to learn what Social Security funds cover(disability benefits, Medicare) and what they do not cover (long-term care, private pension benefits) to develop your retirement saving strategy.

Learn About the Federal Thrift Savings Plan

If you’re a federal employee or in the U.S. military, find out about the Federal Thrift Savings Plan. It’s structured for government employees and offers alternative investments for very low administrative fees.

Get an Annuity

An annuity is a product offered by many insurance companies. It guarantees a dependable stream of income in exchange for lump-sum payments. Retirees take out annuities to account for extra expenses and ease the chances of outliving their savings account.

Make a Solid Withdrawal Plan

Have some basic strategies in mind for taking distributions from your retirement account. Such strategies include not taking pre-retirement withdrawals, managing taxable and tax-free distributions, setting aside medical expenses, monitoring your portfolio, and factoring inflation into your savings.

Learn More Retirement Strategies

These approaches to retirement savings can pay off handsomely when your golden years finally arrive. To find out more tactics for retirement finances, talk to a trusted financial advisor.


Basics of Budgeting and Saving

Here’s why you need to give importance when it comes to budgeting:



Figure out how much money you make every month after taxes. Include every income source — salaries or wages, investment dividends, freelance gigs, and other revenue. Don’t forget to account for automatic deductions for taxes or retirement funds.


List every expense you pay each month. This should include regular, fixed costs like utilities, rent, mortgage, and insurance, as well as variable ones like groceries and entertainment. Make sure to include everything you spend money on, no matter how small.


Differentiate the expenses you need to pay from those you want to have. Be rigorous about which expenses are truly essential and those that are more discretionary.


Determine your short- and long-term financial goals. They can range from creating an emergency fund and purchasing an appliance to saving for vacation or retirement. Your goals play an important role in motivating you to save.


With your goals, expenses, and spending manner in view, find a budget strategy that gives you enough to live on while building your wealth.


Keep track of spending against your budget as often as you need to. Online apps and software can be tremendously helpful in this regard. Give yourself room to adjust your budget as needed.


With an automated withdrawal, you don’t have to remind yourself to set money aside. Have a consistent amount taken out every month (or a smaller time frame) for savings.


Try leaving high-interest credit cards in a drawer at home to limit your spending. If you use shopping for social reasons, find other activities to do with friends that don’t involve stores or malls. Find other creative ways to restrict your spending.


What expenses actually bring joy to your life? Are there areas you can spend less on? Can a change to your saving strategy make a difference? Consider your budget from all angles and question yourself about how you save.

Balancing your skills in budget-making and savings is an important step in achieving financial maturity and success. Take the time to learn more strategies for a smarter financial future with Amuni Financial!


Financial Empowerment For Women

Women’s History Month is an opportune time to reflect on how far women have come in the last century. However, it’s also important to remember how much still needs to be done.

The gap in gender equality in the world — where women only have 64% of the legal rights men do — is more than concerning. It’s also hurting the global economy. What areas of focus can help change this imbalance?

Access to More Jobs and Sectors

According to the U.N., 60% of employed women around the world work in the “informal” economy. These positions aren’t regulated, aren’t taxed, and aren’t included in the national GDP. Common jobs in the informal economy include day workers, domestic workers, street vendors, street performers, agricultural workers, and other unofficial positions.

The informal economy is hampered by nature. Many such businesses insist on cash-only transactions and don’t have ready access to financial services. Job security in most informal positions is shaky at best.

The World Bank says closing the gender gap, instituting equal pay, and bringing more women into “official” employment could boost the global GNP by 20%.

Use of Resources

Women who want to launch businesses face another gender gap: access to crucial business resources, especially financing. In all but a few countries, women have fewer opportunities for business loans. Many have resigned themselves to self-financing, which adds another layer of stress to female entrepreneurship.

Women also have less access to technology, natural resources, land, and other materials needed to run a business. When women finally get equal rights and close the pay gap, they can invest in themselves more freely. Correcting the inequality would also reduce gender-based violence and elevate women’s social and political power.

Safety and Security

The ever-present specter of violence against women is still a concern, especially in poorer countries. The U.N. reports that the worldwide cost of violence against women amounts to around 2% of the global GDP, around $1.5 trillion. Especially in lower-income countries, the threat of gender-based violence drives many women to unpaid care work, hurting the cause of income equality.

More social protections for women can level out the playing field economically, inaddition to stemming mortality rates among women. They can increase the workforce, give more opportunities for self-investment and education, improve social stability, and make businesses more competitive. That’s on top of the most important goal — stopping gender-based violence.

Reconciling Care Services

Women vastly outnumber men working in domestic and unpaid care — by a 3:1 ratio. This contributes to income inequality, holding women back from education, rest, and certain services.

One possible solution is moving toward a transformed care system, basically a holistic recentering of healthcare services. Taking this approach worldwide could add 300 million jobs by 2035.

The Struggle Hasn’t Stopped — and Neither Should Women

Women’s financial empowerment varies from region to region and culture to culture. Likely, the disparity between women and men won’t be completely eradicated in the near future.

However, when women can reclaim agency and gain equal status, the entire economy can improve dramatically. It’s a global issue for everyone. Although women have more choices in most regions, there’s still a lot of work to do to bring the workforce closer to harmony and profitability.


Influential Women in Finance

March is Women’s History Month, a good time to reflect on the changes women have made to the financial industry. From insightful investors to trail-blazing entrepreneurs and corporate officers, women continue to make advances in breaking the glass ceiling for good.

Here are some of the most noteworthy firsts from women in finance, along with some contemporaries who are influencing the future of finance.

8 Groundbreaking Women in Finance

Here are a few U.S. women who achieved historic milestones in the field of finance:

Victoria Woodhull and Tennessee Claflin

These sisters were the first women to open a Wall Street brokerage firm. Woodhull, Clafin, and Company was founded in 1870, the same year Woodhull became the first woman to run for the office of U.S. President.

Maggie Lena Walker

Walker founded the St. Luke Penny Savings Bank in 1903, making her the first female bank president in U.S. history. She was also an African American entrepreneur who heavily influenced Black business standards and practices.

Isabel Benham

A renowned expert in railroad finances, Benham started working at RW Pressprich, where her railroad reports were acclaimed for their unfailing accuracy. Benham was eventually made a partner, making her the first woman named partner by a Wall Street bond firm.

Muriel “Mickie” Siebert

Often labeled “The First Woman of Finance,” Siebert was the first woman to own a seat on the New York Stock Exchange (NYSE) when she bought one in 1967. In 1969, she also started the first woman-owned brokerage firm, Muriel Siebert & Company.

Rosemary McFadden

McFadden was voted President of the New York Mercantile Exchange (Nymex) in 1984. She became the first woman to be President of any stock exchange in the U.S.

Janet Yellen

Yellen, the current U.S. Secretary of the Treasury, also served as the chair of the Federal Reserve from 2014-2018. She is the first woman in history to hold both of those official posts (and the only person ever to hold both).

Adena Friedman

President of NASDAQ since 2017, Friedman is the first woman to be named CEO of a public stock exchange.

Sallie Krawcheck

Dubbed “The Last Honest Analyst” for her utter impartiality, Krawcheck was the first woman to lead a major Wall Street firm (Sanford C. Bernstein & Co.). She leads the industry as co-founder and CEO of Ellevest, a digital investment service designed for women.

7 Influential Female Business Leaders in 2024

Today, some of the most powerful and esteemed female finance leaders include:

  • Anne Ackerley: Managing Director at BlackRock, the leading asset management company in the world.
  • Anu Aiyengar: Co-Head of Mergers and Acquisitions at JPMorgan Chase & Co.
  • Candace Browning-Platt: Bank of America’s Head of Global Research.
  • Carla Harris: Award-winning author focusing on business leadership.
  • Janel Jackson: thought leader in charge of ETF capital markets at Vanguard.
  • Saira Malik: Head of global equities at Nuveen, oversees $383 billion of the firm’s assets under management.
  • Mary Meeker: Creator of the annual Internet Trends Report and founder of Bond Capital.

And these are just a few of the women making a substantial impact on finances.

Still Blazing Trails

Today’s women in finance are the personification of business evolution. It’s important to celebrate them as the gender gap in financial success continues to grow smaller.


Tips for Managing Joint Finances as a Couple

When a couple takes “the next step” in their relationship, that often means combining their resources. At that transitional moment, one of the first concerns that arises is how the couple will manage their joint finances.

Money is a thorny issue for many couples. However, those who take direct, practical, and objective approaches to their combined budgets are likely to succeed in balancing their budgets and meeting financial goals. Here’s a rough framework for doing so.

Communicate Openly

Miscommunication — or total lack of communication — is the downfall of many relationships. Money is one of the top subjects American couples fight about. Before working together to manage your finances, agree to make transparency and honesty your first rule.

Start with a mutual promise to reserve all judgment. Talk about spending patterns, personal debt, and financial goals as individuals. Examine your joint assets and liabilities, your individual spending habits, and how you plan to deal with unforeseen expenses or unexpected windfalls. No financial subject should be off-limits.

Know the Numbers

More than half of Americans feel insecure about their financial status, according to a study by Northwestern Mutual. That lack of stability sometimes leads to a mortal fear of looking at personal finances. But you can ignore the facts for only so long before inactivity makes your money even shakier.

Both you and your partner should be fully aware of each other’s outstanding debt, expected income, and overall financial status. This will make it easier to align your financial priorities and strategize your budget.

Set Goals Together

After you’ve taken stock of your joint financial situation, map out your personal and mutual financial goals, both short- and long-term. Common goals include paying down debt, saving for healthcare, making a down payment on a home or a car, traveling, and planning for retirement.

Couples should prioritize the most necessary milestones and expenses. But there’s also room to discuss more “pie in the sky” goals, like an overseas vacation or starting a business. By collaborating to take care of everyday necessities, you may find strategies for reaching more fantastical goals.

Start an Emergency Fund

Almost all financial advisors recommend setting up a fund to cover six to twelve months’ worth of living expenses in case of emergencies. Critical situations to account for include potential job loss, home or car repairs, appliance replacement, or any emergency affecting you and your family.

Just like your other financial goals, set a target for your joint emergency fund. Make your contributions to the fund non-negotiable until you reach your target — but don’t stop contributions once you do.

Look Into Life Insurance

The loss of a partner through death or disability can be emotionally devastating. While it might seem crass to think about the loss of their income, the resultant financial crisis can be just as catastrophic.

That’s why many experts advise taking out life insurance: to protect your partner and family from financial disaster in the ultimate worst-case scenario. Payouts will help restore financial sustainability, possibly repaying outstanding debts and giving you and your family a fresh start.

Get Help

Finally, don’t resist asking for help when you need it. Professional financial advisors and counselors help couples of all kinds find solid footing as they work toward fiscal independence. If you and your partner are at an impasse — or are just uncertain about your financial strategy — help is just a consultation away.



Tax Planning and Strategies for the Upcoming Tax Season

Tax season doesn’t have to be painful. With a little planning, you can be better prepared for the upcoming tax season; you may even be able to save some money. Here are some tips and strategies for this year’s taxes.

Understand Your Tax Bracket

Do you know your tax bracket? There’s a total of seven different tax brackets based on your annual income and filing status. You can find 2023’s tax brackets on the IRS website. Knowing how much you’ll be taxed will help you be better prepared when filing your income tax returns.

Choose Your Deduction

By taking a deduction, you’re lowering the amount of your taxable income, which saves you money. You can choose either the standard deduction, which is a flat deduction based on your filing status (e.g., $13,850 for singles and $27,700 for married filing jointly).

You also have the option to itemize deductions. This method makes sense if you have qualifying expenses that exceed the standard deduction. But it takes a little more work, so make sure that you have documentation, such as receipts, to validate every deduction you make.

Take Advantage of Tax Credits

While a tax deduction simply lowers your taxable income, a tax credit is a dollar-for-dollar “discount” on your total tax bill. For example, a $2,000 credit will lower your tax bill by $2,000 and can even come back to you in the form of a refund. Common credits for 2023 include:

  • Adoption Credit: For adoption costs
  • American Opportunity Credit: For college costs
  • Child and Dependent Care Credit: For daycare and related costs
  • Earned Income Tax Credit: For those with low income
  • Residential Energy Tax Credit: For energy-efficient home improvements

You can take advantage of as many credits as apply, which could lower your tax bill considerably.

Save Your Tax Records

Save your tax returns and any documents you used to complete them for at least three years. That’s how long the IRS has to audit your return, though the limit can extend tothe following lengths in certain circumstances:

  • Six Years: If you underreported your income by over 25%
  • Seven Years: If you wrote off a “worthless security”
  • Indefinitely: If you are suspected of tax fraud or failed to file a tax return

Thankfully, software programs let you store digital records so you can easily stay organized.

Plan Ahead for Next Year’s Taxes

The present tax season is also a good time to look ahead to next year’s taxes. Consider strategies such as:

  • Adjusting your employer’s W-4 to avoid a large tax bill
  • Reducing taxable income by investing in a tax-advantaged retirement account
  • Saving receipts to take more deductions
  • Paying quarterly estimated tax payments to avoid a large one-time payment

The latter step is especially important for small business owners or freelancers since you won’t have an employer withholding taxes on your behalf.

Make Tax Season Easier

Given the serious impact it can have on your financial present and future, tax season is an incredibly daunting time for many. However, by engaging in appropriate planning, you can lessen this burden and file your return with confidence.


Setting Financial Goals for Next Year

With the new year fast approaching, many are considering the New Year’s resolutions they’re going to make and work toward — but also probably break. We’re only human, after all.

Still, one resolution that can pay off handsomely is to set financial goals. Without specific targets or budgets, one is likely to spend more than they can afford. Setting goals establishes a baseline for financial security and independence, especially when you revisit them annually.

Short-Term, Midterm, and Long-Term Financial Goals

As for a starting point, you should first try setting a timeframe for the goals you want to pursue. Forming a list of goals across multiple time frames provides you with a holistic insight into your financial health.

Many economists suggest viewing your goals across the following three time ranges:

Short-Term Goals

Short-term goals establish financial sustainability. They’re functions that are relatively easy to execute and achievable within about a year, such as instituting a budget, paying off credit debt, opening a savings account as an emergency fund, or starting a retirement fund.

Midterm Goals

Midterm milestones are critical links between your immediate and future financial plans. They should be achievable anywhere between one and five years, and they can include things such as buying a house, starting a business, obtaining term life and disability insurance, paying off your student loans, funding a child’s college education, and other such initiatives.

Long-Term Goals

When we talk about long-term financial goals, we’re usually referring to retirement planning. The sooner one can start saving, the more financial flexibility they’ll have when it’s finally time to close up shop. Long-term goals include deciding what lifestyle you’ll want to have and setting up monthly retirement plan contributions alongside will and estate planning.

Tips for Setting Your New Year Financial Goals

Once you’ve sorted out your goals, you’re prepared to break them down into practical and achievable measures. Here are some considerations to keep in mind:

Make the Goals Clear, Precise, and Measurable

Ask yourself what kind of house you want to live in and the kind of car you would like to buy, then determine the debts you want to pay off first and how much you can afford to repay. Be as specific as possible with your goals and your math.

Make the Goals Your Own

Some set financial goals as a means of “keeping up with the Joneses,” comparing themselves with other people’s objectives. That’s never a solid basis to work from. Set goals according to what you want to achieve, not what others are doing, and get clear as to why you want to achieve them.

Commit Your Goals to Paper

Even though we live in a widely digital world, something about writing one’s goals down on paper lends them an air of authenticity. Whether on a sheet of paper or a Post-It note, write your goals down and put them in places you’ll see every day.

Answer to Someone

If you’re married or in a relationship, ask your spouse or partner if they would be willing to be your accountability partner to check up on your goals. If you’re single, ask a very trusted friend, or if you can afford one, hire a financial professional to keep your budget in line.

Start the Year Off Right

Setting solid financial goals is the first step to a successful new year, so set aside some time to think closely about what they are, whether they’re immediate needs or big dreams.



The Financial Benefits of Practicing Gratitude

Giving thanks can make you happier; focusing on gratitude has been known to help with anxiety and depression. But can gratitude make you richer? 

Greed and gratitude have long been regarded as opposites — just consider Scrooge’s transformation in “A Christmas Carol.” However, gratitude can come with some financial benefits. Here are just a few. 

Improved Financial Planning

Gratitude can improve your financial planning. Impatience and greed can promote impulsive financial decisions. But if you’re grateful for what you have, you’re less inclined to overspend on what you don’t. Gratitude is a remedy for the spending impulse that can shatter financial dreams.

If you want to cultivate this habit, simply take stock of the things you have to be grateful for. Family and friends might top your list, but it’s okay to be grateful for a place to live and a car that runs. Finding joy in your current situation can keep you from impulsively trying to seek out more.

Improved Investment Decisions

Gratitude is all about finding contentment in what you already have. And that kind of attitude can prevent you from the need to have it all — or the need to have it all right now. That can lead to better investment decisions. 

Instead of risking too much on that hot new startup, you might be better off investing in a “buy-and-hold” stock or mutual fund. These investments won’t bring a meteoric return on your investment, but they will provide sustainable, long-term growth. 

Try an experiment. Think about where you want to be, financially speaking, 10 or even 20 years from now. Now, consider the kinds of investments that might get you there. This doesn’t mean you shouldn’t make a few high-risk investments, but you’ll be better off with a stable, large-cap stock or even an index fund.

Improved Career Prospects

A life of thankfulness can make you more content with yourself. And that can change the way you handle your career. Think about the negative side for a moment. If you’re not grateful for your current job, you might just be miserable. You’ll be less likely to invest in your role, or even to engage your coworkers — unless it’s to complain.

However, if you can really see the positive side of having a job, then you’ll be more likely to give it everything you have. That sort of “can-do” spirit won’t go unnoticed by your employers. Being grateful for your current role can therefore help you achieve a promotion. Alternatively, at the very least, gratitude for your job might save you from looking through the want ads during a tough labor cycle.

Gratitude Benefits Your Wallet and Your Soul

Without gratitude, you’re condemned to the curse of Mick Jagger: you can’t get no satisfaction. But being thankful for what you have can make you feel fulfilled and spare you from the quest for something more. 

That’s good news for your wallet as well as your soul. Thankfulness for your current financial situation can prevent you from impulsive financial decisions and provide you with greater stability in your investments and your career.


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