If you look just at the strength of companies in the S&P 500, earnings growth is looking to be above 19% and this is following over 24% in the 1st qtr. Consumer sentiment remains high, the Small Business Optimism index hit its 6th highest reading in history, the job market is robust, wages are starting to increase-things are looking pretty rosy. What hasn’t been fun is the market itself.
Saving money doesn't necessarily have to be a difficult or perplexing enigma you have to solve immediately. There are ways that you can start today — regardless of how much money you make or how much debt you have.
Typically, when a company goes public, it hires investment banks to handle all the complicated stuff. But Spotify did a direct listing. Meaning: no banks underwriting it. No set share price before the debut. And no new stocks issued.
The first thing you need to figure out is how much of your contribution your employer is wiling to match. This is usually expressed as a percentage, with employers often matching up to 6% of salary. That means for every dollar you contribute up to 6% of your salary, your employer contributes something to match that contribution.