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_the-darkest-files-gameplay.jpg "☕If you want to support the channel: https://ko-fi.com/rollthedices<br/>To support the project: https://www.kickstarter.com/projects/paintbucketgames/the-darkest-files/description<br/>Website: https://paintbucket.de/en<br/>Wishlist on Steam and play the demo: https://store.steampowered.com/app/2058730/The_Darkest_Files/<br/><br/>The Darkest Files, a historical true crime investigation game for PC, Mac and Nintendo Switch <br/><br/>We invite you on a new, gripping journey with The Darkest Files: a Noir-style tale set in post-WWII. Every case could rewrite history, and justice is hard-won. This is a story of determination, truth-seeking, and fighting for justice against all odds.<br/><br/>Inspired by classics like Return of the Obra Dinn and the Ace Attorney series. <br/><br/>In The Darkest Files, you investigate real historical crimes, and ...<br/><br/> Enjoy a beautiful art style<br/> Experience a gripping narrative<br/> Interrogate suspects<br/> Dive into memories and documents<br/>️♀️ Reconstruct the crime<br/>⚖️ Win your case in court<br/><br/>The Darkest Files is a narrative-driven investigation and court game based on true historical crimes. <br/><br/>Art Style: The Darkest Files mixes cell-shaded, free-roaming 3D environments with 2D comic book panels and effects to create a unique noir-inspired graphic novel look.<br/><br/>The year is1956, you are a prosecutor in West-Germany, in charge of solving cases from the war. <br/><br/>Interrogate suspects. As you talk to them, you immerse yourself in their memories and can uncover more clues.<br/>But beware, what you experience is based on the suspect's story, so stay on your toes and question everything. <br/>It is up to you to find the truth in a sea of lies.<br/><br/>Document Mode allows you to search for context and evidence you can use to confront suspects. The cases are cold, the murderers have been living among us for years. The crime scene long since abandoned. <br/>The darkest files may be your best allies and the only remaining witnesses.<br/><br/>Reconstruction Board let's you create your own version of the crime. Reconstruct the events that led to an incident step by step. Who is the culprit and who was just a witness?<br/>You are free to choose how you present the events - but you must be able to prove it in the end.<br/><br/>Court, will challenge you to defend yourself against the defence's attempts to declare your theory implausible.<br/>Know the facts - and the files - and use your knowledge at the right moment to refute the other side, expose the truth and put the perpetrator behind bars. <br/><br/>Choose your own Challenge<br/>Do you just want to experience the story without getting stuck anywhere? Or do you want to puzzle until your head spins, without hints and under time pressure?<br/>In the game, you can choose between different difficulty levels or put together your own challenge from the individual components.")
⏲ 1:32 👁 90K
_new-york-jazz-lounge-amp-relaxing-jazz-bar-classics-relaxing-jazz-music-for-relax-and-stress-relief.jpg "New York Jazz Lounge & Relaxing Jazz Bar Classics - Relaxing Jazz Music for Relax and Stress Relief from bar vs rel football leony video")
⏲ 3:37:22 👁 40K
_meemaws-behind-bars-on-the-latest-episode-of-cbs-young-sheldon.jpg "Experience the latest twist in Young Sheldon's journey as Meemaw finds herself behind bars on Season 7 Episode 7 with this official clip. Join the stellar cast including Iain Armitage, Lance Barber, Regan Revord and more in this comedy series created by Chuck Lorre and Steven Molaro. Stream Young Sheldon now on Paramount+ for all the laughs and heartfelt moments!<br/><br/>Young Sheldon Cast:<br/><br/>Iain Armitage, Zoe Perry, Lance Barber, Montana Jordan, Reagan Revord, Jim Parsons, Annie Potts, Craig T. Nelson, Matt Hobby, Emily Osment, Craig T. Nelson, Melissa Peterman and Wyatt McClure<br/><br/>Stream Young Sheldon Season 7 now on Paramount+!")
⏲ 1:9 👁 400K
_92.jpg "\ from bar vs rel football leony video")
⏲ 0:37 👁 1.4M
_people-in-10-the-news-that-defined-the-week-plus-joey-lawrence-joins-us-124.jpg "Morgan Wallen is arrested after incident at Eric Church’s new Nashville bar, celebs enjoy the solar eclipse, Halle Bailey & Suki Waterhouse show off their postpartum bodies, Don Lemon gets married, and PEOPLE turns 50 with help from our past cover stars!")
⏲ 11:17 👁 35K
_let-yourself-be-enchanted-by-the-splendor-of-nature-in-that-twilight-with-the-smell-of-saltiness.jpg "Here, your corner of paradise, your remnant of bliss where you spent most of the best moments, where you drank excellent cocktails and let yourself be enchanted by the splendor of the ocean and all of nature during the twilight. The strong smell of saltiness intoxicated you, reconciled you to the soul and that parallel world that leads <br/>to love. It is here that you signed a contract of hugs with those who adorn your heart with simple gestures and passion.<br/><br/>Ecco, il tuo angolo di paradiso, il tuo scampolo di beatitudine dove hai trascorso buona parte dei momenti più belli, dove hai bevuto ottimi cocktail e ti sei lasciata incantare dallo splendore dell'oceano e della natura tutta durante i crepuscoli. Il forte odore di salsedine ti inebriava, ti conciliava all'anima e quel mondo parallelo che conduce all'amore. È qui che hai sottoscritto un contratto di abbracci con chi il tuo cuore lo adornato di gesti semplici e passione")
⏲ 16:0 👁 115K
_new-york-jazz-lounge-amp-relaxing-jazz-bar-classics-relaxing-jazz-music-for-relax-and-stress-relief.jpg "New York Jazz Lounge & Relaxing Jazz Bar Classics - Relaxing Jazz Music for Relax and Stress Relief from bar vs rel football leony video")
⏲ 3:37:22 👁 30K
_get-fit-at-home-with-the-yosuda-indoor-cycling-bike.jpg "Achieve your fitness goals with the YOSUDA Indoor Cycling Bike! With its smooth and quiet operation, adjustable handlebars and padded seat, and a range of resistance levels, this exercise bike offers a comfortable and personalized workout experience. Monitor your progress with the built-in LCD monitor and stay entertained with the convenient iPad mount. Plus, safety features like cage pedals and a resistance bar ensure a secure ride. Easy to assemble and backed by a one-year parts replacement warranty, this bike is perfect for your home gym setup! #YOSUDA #IndoorCycling #ExerciseBike #HomeGym #Workout ♂️")
⏲ 4:46 👁 30K
_kiya-sara-mask-man-se-bach-sakay-gi-l-siyaah-series-l-mask-man-best-scene-l-dur-e-fishan--green-tv.jpg "Kiya Sara MAsk Man Se Bach Sakay Gi I Siyaah<br/>Series I Mask Man Best Scene | Dur-e-Fishan |<br/>Green TV<br/>Siyaah series is a compilation of ghastly horror<br/>stories embedded in the genres of supernatural,<br/>psychological thriller, suspense, urban legends,<br/>mythology, and horror comedy. Get ready to get<br/>spooked as the star-studded stellar cast of Siyaah<br/>takes you to a realm of spine-chilling tales!")
⏲ 1:42 👁 30K
_effortless-assembly-lasting-performance-yosuda-exercise-bike-for-home-gym.jpg "Product full information >>>> https://amzn.to/4aLhvMw<br/><br/>Upgrade your home workout routine with the YOSUDA Indoor Cycling Bike! Featuring a smooth and quiet 35lbs flywheel, adjustable handlebars and seat, and a large range of resistance levels, this exercise bike offers a comfortable and personalized riding experience. Monitor your progress with the LCD display while enjoying your favorite entertainment with the convenient iPad mount. With safety features like adjustable cage pedals and a resistance bar for immediate stopping, along with a water bottle holder and transport wheels for added convenience, this stationary bike is perfect for all fitness levels. Assembly is quick and easy, and with one year of free parts replacement, you can trust in lasting performance. <br/>#YOSUDA, #IndoorCyclingBike, #ExerciseBike, #HomeGym, <br/>#YOSUDA, #IndoorCyclingBike, #ExerciseBike, #StationaryBike")
⏲ 3:22 👁 25K
_278-hp-turbocharged-2-4-l-four-cylinder-enginenew-toyota-4runner-trd-pro-2025.jpg "Toyota's venerable off-roader gets a new redesign, a new hybrid powertrain, and tougher Trailhunter trim.<br/><br/>The last time the Toyota 4Runner came out new, President Obama was new to the Oval Office and the Black Eyed Peas were at the top of the Billboard charts. This was 15 years ago. There's now a new 4Runner – finally – and even though Toyota has rebuilt its iconic off-roader from the ground up, it retains its rugged spirit.<br/><br/>Also based on the new Tacoma, the 2025 4Runner uses the same TNGA-F truck architecture. It ditches the old 4.0-liter V-6 and five-speed automatic in favor of a standard turbocharged 2.4-liter four-cylinder engine that produces 278 horsepower and 378 pound-feet of torque. That's 8 more hp than the current 4Runner and a whopping 100 additional pound-feet.<br/><br/>The optional I-Force Max hybrid version of the same engine produces 326 hp and 465 lb-ft. Both of these powertrains ditch the old five-speed in favor of a new eight-speed automatic transmission. Unfortunately, there is no manual to be found.<br/><br/>The 4Runner will be offered with two-wheel drive, part-time four-wheel drive and full-time four-wheel drive, depending on how you specify it. All 2WD models will feature a limited-slip differential, while 4WD models will feature the same LSD and electronically controlled two-speed transfer case with high- and low-range gearing, as well as Toyota's Active Traction Control (A-Trac).<br/><br/>There's also what Toyota calls the new Stabilizer Bar Disconnect Mechanism for better articulation. This one-button access system allows the 4Runner to flex while keeping its tires on the ground. The 4Runner has a 32-degree approach and 24-degree departure angle.<br/><br/>And the new 4Runner promises to be even more capable. Mud, Dirt and Sand modes and a quieter Crawl Control function join the party in 2025, while new Trailhunter hardware (borrowed from the Tacoma) joins the rest of the lineup. Buyers will be able to choose from nine 4Runner trims: SR5, TRD Sport, TRD Sport Premium, TRD Off Road, TRD Off Road Premium, Limited, Platinum, TRD Pro and the aforementioned Trailhunter, the toughest of the bunch.<br/><br/>The 4Runner Trailhunter has 33-inch all-terrain tires that raise the ride height by 2.0 inches in the front and 1.5 inches in the rear. Two-and-a-half-inch Old Man Emu forged shocks with ARB-free reservoirs dot the corners of the suspension. There's also an ARB-designed roof rack, a high-mounted air intake for the I-Force Max powertrain (standard on the Trailhunter), a 20-inch light bar, and steel skid plates. These compelling upgrades are combined with new visual elements like the Toyota heritage grille with bronze \")
⏲ 6:58 👁 30K
_over-40-of-americans-have-no-clue-what-a-401k-is.jpg "Almost half of Americans don’t know what a 401(k) is, according to a recent poll. <br/><br/>A national survey of 2,000 Americans, evenly split by generation, revealed that 43% of respondents don’t know what a 401(k) is. The survey examined Americans’ financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures. <br/><br/>The results revealed a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia.<br/><br/>And over a third (35%) don’t know what “interest” is in a financial context. <br/><br/>The study, commissioned by Beyond Finance for Financial Practice Week and conducted by OnePoll, revealed that despite these startling knowledge gaps, only two in five respondents (39%) consider themselves more financially literate than others. <br/><br/>Four in 10 Americans (39%) admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to procrastinate (49%) while baby boomers are least likely to procrastinate (22%).<br/><br/>The top reasons respondents cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can’t get any worse (16%) and forgetfulness (13%).<br/><br/>“Unfortunately, avoiding looking at your finances and making healthy changes is incredibly common,” said Dr. Erika Rasure, chief financial wellness advisor of Beyond Finance, which can be overwhelming. Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There’s a middle ground to take when improving your financial health — learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.” <br/><br/>The study revealed the average American typically checks their banking app twice daily. Exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%). <br/><br/>In comparison, baby boomers feel the most calm (26%) and over a quarter of all respondents avoid signing into their banking apps on a daily basis, at all (26%). <br/><br/>Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget with millennials and baby boomers tying for the best-laid financial plans (81%). <br/><br/>Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability (76%) and Gen Z deviating the most from their budgets (58%). <br/><br/>For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%). <br/><br/>However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%), rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%).<br/><br/>Notably, 33% of respondents said they never take vacations.<br/><br/>Finances also influence relationships: Nearly four in ten (39%) reported that their or their partner’s unhealthy spending habits have negatively affected their relationship.<br/> <br/>A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<br/><br/>“The first step in a happier financial future is education,” said Dr. Rasure. “The more you know about money and personal finances, the more equipped you’ll be to make better decisions and create a plan to meet your goals. That’s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they’ve been putting off so they can make progress toward a more stable, optimistic future.” <br/><br/>Survey methodology:<br/>This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll, whose team members are Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR) and the European Society for Opinion and Marketing Research (ESOMAR).")
⏲ 1:14 👁 20K
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_the-darkest-files-gameplay.webp "☕If you want to support the channel: https://ko-fi.com/rollthedices<br/>To support the project: https://www.kickstarter.com/projects/paintbucketgames/the-darkest-files/description<br/>Website: https://paintbucket.de/en<br/>Wishlist on Steam and play the demo: https://store.steampowered.com/app/2058730/The_Darkest_Files/<br/><br/>The Darkest Files, a historical true crime investigation game for PC, Mac and Nintendo Switch <br/><br/>We invite you on a new, gripping journey with The Darkest Files: a Noir-style tale set in post-WWII. Every case could rewrite history, and justice is hard-won. This is a story of determination, truth-seeking, and fighting for justice against all odds.<br/><br/>Inspired by classics like Return of the Obra Dinn and the Ace Attorney series. <br/><br/>In The Darkest Files, you investigate real historical crimes, and ...<br/><br/> Enjoy a beautiful art style<br/> Experience a gripping narrative<br/> Interrogate suspects<br/> Dive into memories and documents<br/>️♀️ Reconstruct the crime<br/>⚖️ Win your case in court<br/><br/>The Darkest Files is a narrative-driven investigation and court game based on true historical crimes. <br/><br/>Art Style: The Darkest Files mixes cell-shaded, free-roaming 3D environments with 2D comic book panels and effects to create a unique noir-inspired graphic novel look.<br/><br/>The year is1956, you are a prosecutor in West-Germany, in charge of solving cases from the war. <br/><br/>Interrogate suspects. As you talk to them, you immerse yourself in their memories and can uncover more clues.<br/>But beware, what you experience is based on the suspect's story, so stay on your toes and question everything. <br/>It is up to you to find the truth in a sea of lies.<br/><br/>Document Mode allows you to search for context and evidence you can use to confront suspects. The cases are cold, the murderers have been living among us for years. The crime scene long since abandoned. <br/>The darkest files may be your best allies and the only remaining witnesses.<br/><br/>Reconstruction Board let's you create your own version of the crime. Reconstruct the events that led to an incident step by step. Who is the culprit and who was just a witness?<br/>You are free to choose how you present the events - but you must be able to prove it in the end.<br/><br/>Court, will challenge you to defend yourself against the defence's attempts to declare your theory implausible.<br/>Know the facts - and the files - and use your knowledge at the right moment to refute the other side, expose the truth and put the perpetrator behind bars. <br/><br/>Choose your own Challenge<br/>Do you just want to experience the story without getting stuck anywhere? Or do you want to puzzle until your head spins, without hints and under time pressure?<br/>In the game, you can choose between different difficulty levels or put together your own challenge from the individual components.")
_new-york-jazz-lounge-amp-relaxing-jazz-bar-classics-relaxing-jazz-music-for-relax-and-stress-relief.webp "New York Jazz Lounge & Relaxing Jazz Bar Classics - Relaxing Jazz Music for Relax and Stress Relief from bar vs rel football leony video")
_meemaws-behind-bars-on-the-latest-episode-of-cbs-young-sheldon.webp "Experience the latest twist in Young Sheldon's journey as Meemaw finds herself behind bars on Season 7 Episode 7 with this official clip. Join the stellar cast including Iain Armitage, Lance Barber, Regan Revord and more in this comedy series created by Chuck Lorre and Steven Molaro. Stream Young Sheldon now on Paramount+ for all the laughs and heartfelt moments!<br/><br/>Young Sheldon Cast:<br/><br/>Iain Armitage, Zoe Perry, Lance Barber, Montana Jordan, Reagan Revord, Jim Parsons, Annie Potts, Craig T. Nelson, Matt Hobby, Emily Osment, Craig T. Nelson, Melissa Peterman and Wyatt McClure<br/><br/>Stream Young Sheldon Season 7 now on Paramount+!")
_92.webp "\ from bar vs rel football leony video")
_people-in-10-the-news-that-defined-the-week-plus-joey-lawrence-joins-us-124.webp "Morgan Wallen is arrested after incident at Eric Church’s new Nashville bar, celebs enjoy the solar eclipse, Halle Bailey & Suki Waterhouse show off their postpartum bodies, Don Lemon gets married, and PEOPLE turns 50 with help from our past cover stars!")
_let-yourself-be-enchanted-by-the-splendor-of-nature-in-that-twilight-with-the-smell-of-saltiness.webp "Here, your corner of paradise, your remnant of bliss where you spent most of the best moments, where you drank excellent cocktails and let yourself be enchanted by the splendor of the ocean and all of nature during the twilight. The strong smell of saltiness intoxicated you, reconciled you to the soul and that parallel world that leads <br/>to love. It is here that you signed a contract of hugs with those who adorn your heart with simple gestures and passion.<br/><br/>Ecco, il tuo angolo di paradiso, il tuo scampolo di beatitudine dove hai trascorso buona parte dei momenti più belli, dove hai bevuto ottimi cocktail e ti sei lasciata incantare dallo splendore dell'oceano e della natura tutta durante i crepuscoli. Il forte odore di salsedine ti inebriava, ti conciliava all'anima e quel mondo parallelo che conduce all'amore. È qui che hai sottoscritto un contratto di abbracci con chi il tuo cuore lo adornato di gesti semplici e passione")
_new-york-jazz-lounge-amp-relaxing-jazz-bar-classics-relaxing-jazz-music-for-relax-and-stress-relief.webp "New York Jazz Lounge & Relaxing Jazz Bar Classics - Relaxing Jazz Music for Relax and Stress Relief from bar vs rel football leony video")
_get-fit-at-home-with-the-yosuda-indoor-cycling-bike.webp "Achieve your fitness goals with the YOSUDA Indoor Cycling Bike! With its smooth and quiet operation, adjustable handlebars and padded seat, and a range of resistance levels, this exercise bike offers a comfortable and personalized workout experience. Monitor your progress with the built-in LCD monitor and stay entertained with the convenient iPad mount. Plus, safety features like cage pedals and a resistance bar ensure a secure ride. Easy to assemble and backed by a one-year parts replacement warranty, this bike is perfect for your home gym setup! #YOSUDA #IndoorCycling #ExerciseBike #HomeGym #Workout ♂️")
_kiya-sara-mask-man-se-bach-sakay-gi-l-siyaah-series-l-mask-man-best-scene-l-dur-e-fishan--green-tv.webp "Kiya Sara MAsk Man Se Bach Sakay Gi I Siyaah<br/>Series I Mask Man Best Scene | Dur-e-Fishan |<br/>Green TV<br/>Siyaah series is a compilation of ghastly horror<br/>stories embedded in the genres of supernatural,<br/>psychological thriller, suspense, urban legends,<br/>mythology, and horror comedy. Get ready to get<br/>spooked as the star-studded stellar cast of Siyaah<br/>takes you to a realm of spine-chilling tales!")
_effortless-assembly-lasting-performance-yosuda-exercise-bike-for-home-gym.webp "Product full information >>>> https://amzn.to/4aLhvMw<br/><br/>Upgrade your home workout routine with the YOSUDA Indoor Cycling Bike! Featuring a smooth and quiet 35lbs flywheel, adjustable handlebars and seat, and a large range of resistance levels, this exercise bike offers a comfortable and personalized riding experience. Monitor your progress with the LCD display while enjoying your favorite entertainment with the convenient iPad mount. With safety features like adjustable cage pedals and a resistance bar for immediate stopping, along with a water bottle holder and transport wheels for added convenience, this stationary bike is perfect for all fitness levels. Assembly is quick and easy, and with one year of free parts replacement, you can trust in lasting performance. <br/>#YOSUDA, #IndoorCyclingBike, #ExerciseBike, #HomeGym, <br/>#YOSUDA, #IndoorCyclingBike, #ExerciseBike, #StationaryBike")
_278-hp-turbocharged-2-4-l-four-cylinder-enginenew-toyota-4runner-trd-pro-2025.webp "Toyota's venerable off-roader gets a new redesign, a new hybrid powertrain, and tougher Trailhunter trim.<br/><br/>The last time the Toyota 4Runner came out new, President Obama was new to the Oval Office and the Black Eyed Peas were at the top of the Billboard charts. This was 15 years ago. There's now a new 4Runner – finally – and even though Toyota has rebuilt its iconic off-roader from the ground up, it retains its rugged spirit.<br/><br/>Also based on the new Tacoma, the 2025 4Runner uses the same TNGA-F truck architecture. It ditches the old 4.0-liter V-6 and five-speed automatic in favor of a standard turbocharged 2.4-liter four-cylinder engine that produces 278 horsepower and 378 pound-feet of torque. That's 8 more hp than the current 4Runner and a whopping 100 additional pound-feet.<br/><br/>The optional I-Force Max hybrid version of the same engine produces 326 hp and 465 lb-ft. Both of these powertrains ditch the old five-speed in favor of a new eight-speed automatic transmission. Unfortunately, there is no manual to be found.<br/><br/>The 4Runner will be offered with two-wheel drive, part-time four-wheel drive and full-time four-wheel drive, depending on how you specify it. All 2WD models will feature a limited-slip differential, while 4WD models will feature the same LSD and electronically controlled two-speed transfer case with high- and low-range gearing, as well as Toyota's Active Traction Control (A-Trac).<br/><br/>There's also what Toyota calls the new Stabilizer Bar Disconnect Mechanism for better articulation. This one-button access system allows the 4Runner to flex while keeping its tires on the ground. The 4Runner has a 32-degree approach and 24-degree departure angle.<br/><br/>And the new 4Runner promises to be even more capable. Mud, Dirt and Sand modes and a quieter Crawl Control function join the party in 2025, while new Trailhunter hardware (borrowed from the Tacoma) joins the rest of the lineup. Buyers will be able to choose from nine 4Runner trims: SR5, TRD Sport, TRD Sport Premium, TRD Off Road, TRD Off Road Premium, Limited, Platinum, TRD Pro and the aforementioned Trailhunter, the toughest of the bunch.<br/><br/>The 4Runner Trailhunter has 33-inch all-terrain tires that raise the ride height by 2.0 inches in the front and 1.5 inches in the rear. Two-and-a-half-inch Old Man Emu forged shocks with ARB-free reservoirs dot the corners of the suspension. There's also an ARB-designed roof rack, a high-mounted air intake for the I-Force Max powertrain (standard on the Trailhunter), a 20-inch light bar, and steel skid plates. These compelling upgrades are combined with new visual elements like the Toyota heritage grille with bronze \")
_over-40-of-americans-have-no-clue-what-a-401k-is.webp "Almost half of Americans don’t know what a 401(k) is, according to a recent poll. <br/><br/>A national survey of 2,000 Americans, evenly split by generation, revealed that 43% of respondents don’t know what a 401(k) is. The survey examined Americans’ financial literacy, commitment to learning and adopting healthy money habits, and feelings regarding their bank accounts and financial futures. <br/><br/>The results revealed a significant lack of confidence among respondents regarding their financial literacy, with only 30% believing they could win a game of personal finance trivia.<br/><br/>And over a third (35%) don’t know what “interest” is in a financial context. <br/><br/>The study, commissioned by Beyond Finance for Financial Practice Week and conducted by OnePoll, revealed that despite these startling knowledge gaps, only two in five respondents (39%) consider themselves more financially literate than others. <br/><br/>Four in 10 Americans (39%) admit they procrastinate when implementing healthy financial habits. Gen Z are most likely to procrastinate (49%) while baby boomers are least likely to procrastinate (22%).<br/><br/>The top reasons respondents cited for postponing personal finance tasks include stress (25%), feeling their financial health is already poor and can’t get any worse (16%) and forgetfulness (13%).<br/><br/>“Unfortunately, avoiding looking at your finances and making healthy changes is incredibly common,” said Dr. Erika Rasure, chief financial wellness advisor of Beyond Finance, which can be overwhelming. Some people tend to neglect taking stock of their financial situation, and others can become nervously consumed by it. There’s a middle ground to take when improving your financial health — learn healthy money habits, pay attention and make small, achievable adjustments to your spending and habits.” <br/><br/>The study revealed the average American typically checks their banking app twice daily. Exactly half of respondents say they feel nervous when opening their banking portal, with Gen Z feeling most uncomfortable (65%). <br/><br/>In comparison, baby boomers feel the most calm (26%) and over a quarter of all respondents avoid signing into their banking apps on a daily basis, at all (26%). <br/><br/>Regarding budgeting habits, eight in ten respondents try to hold themselves accountable to a monthly budget with millennials and baby boomers tying for the best-laid financial plans (81%). <br/><br/>Of those who create a monthly budget, respondents only stick to it 66% of the time on average, with baby boomers exhibiting the highest accountability (76%) and Gen Z deviating the most from their budgets (58%). <br/><br/>For those trying to save money, the most popular strategies include buying on-sale items (53%), using coupons and discount codes (47%), limiting spending on clothing (45%) and shopping at discount stores (42%). <br/><br/>However, a considerable portion of respondents resort to more drastic measures to save money, such as infrequent social outings to bars and restaurants (39%), limited travel or not traveling at all (36%), rarely or never buying coffee at coffee shops (35%) and rarely or never buying gifts (32%).<br/><br/>Notably, 33% of respondents said they never take vacations.<br/><br/>Finances also influence relationships: Nearly four in ten (39%) reported that their or their partner’s unhealthy spending habits have negatively affected their relationship.<br/> <br/>A majority of those in relationships (63%) agreed that learning about personal finance as a couple would increase their chances of improving money habits successfully in the future.<br/><br/>“The first step in a happier financial future is education,” said Dr. Rasure. “The more you know about money and personal finances, the more equipped you’ll be to make better decisions and create a plan to meet your goals. That’s why Financial Practice Week is important. We want to encourage people to learn the money habits and practices they’ve been putting off so they can make progress toward a more stable, optimistic future.” <br/><br/>Survey methodology:<br/>This random double-opt-in survey of U.S. adults split evenly by generation (500 Gen Z, 500 millennials, 500 Gen X, and 500 baby boomers) was commissioned by Beyond Finance between Feb. 16 and Feb. 22, 2024. It was conducted by market research company OnePoll, whose team members are Market Research Society members and have corporate membership to the American Association for Public Opinion Research (AAPOR) and the European Society for Opinion and Marketing Research (ESOMAR).")
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