Category: Personal Finance

  • Generation Z – The First Steps Toward Financial Independence

    Generation Z – The First Steps Toward Financial Independence

    Adults born between 1997 and 2012 arrive at money questions earlier, compare prices faster, and distrust traditional advice more often than any cohort measured at the same age. A nationwide online questionnaire completed by 4,000 United States residents in 2022 confirms the pattern. The same study also records the widest gap between perceived skill and…

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  • What Is an ACH Transfer? How It Works

    What Is an ACH Transfer? How It Works

    An ACH transfer is an electronic instruction that moves dollars from one deposit account to another through the Automated Clearing House Network. Credit unions along with payment processors batch thousands of instructions into files that the network clears at fixed intervals each business day. The process replaces paper checks and cash deposits with a digital…

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