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Tim Mullaney Finance HowMoneyWorks is on a mission to eradicate financial illiteracy—the #1 economic crisis today!

10/12/2026

Everyone talks about the American Dream.

But almost nobody asks the uncomfortable question:

What does it actually cost?

Not 20 years ago.
Not when our parents were buying homes.
Today.

The new American Dream Sticker Shock report builds a hypothetical family of four and starts adding up the pieces many of us associate with a good life:

A home.
Food.
Transportation.
Healthcare.
Education.
Retirement.
And enough left over to actually enjoy life.

The result?

$174,529 per year.

Of course, everyone’s version of the American Dream is different.

But seeing the entire “receipt” in one place changes the conversation.

Maybe the question isn’t simply:

“Am I earning enough?”

Maybe it’s:

“Do I have a strategy for the life I’m trying to build?”

The numbers are worth seeing for yourself.

Read more here:
https://wealthwave.com/tim/sticker-shock

10/08/2026

Here’s a question that gets uncomfortable quickly:

Suppose you can afford your lifestyle while you’re working.

What happens when the paycheck stops?

American Dream Sticker Shock estimates the annual cost of its hypothetical American Dream at about $175,000.

Then it asks a much bigger question:

If you retire at 65, could your savings support that lifestyle for another 20 or 30 years?

That changes the way you think about retirement.

Retirement isn’t simply reaching a certain age.

It’s replacing income.

The report also points out that company pensions have largely disappeared, while individuals increasingly carry responsibility for building their own retirement assets.

Which means the retirement question shouldn’t begin at 62, 65 or 67.

It should begin much earlier.

What kind of life do I want later, and what am I building today to support it?

The answer will be different for every family.

But the question is worth asking now.

Not someday.

Read more here:
https://wealthwave.com/tim/sticker-shock

10/06/2026

Here are two numbers that deserve to be seen together:

$81,604 and $175,000.

According to American Dream Sticker Shock, $81,604 represents the typical U.S. household income used in the report.

Around $175,000 is what the report estimates it can take annually to fund its hypothetical version of the American Dream.

That is a significant gap.

And according to the report, only about 1 in 5 U.S. households earns around $175,000 per year.

This helps explain why families can feel financially stretched even when they are working hard and earning what seems like a respectable income.

The problem isn’t always lack of effort.

Sometimes the math itself has changed.

Housing costs changed.
Healthcare costs changed.
Food changed.
Retirement responsibilities changed.

So maybe we should stop asking people simply to “work harder.”

A better question might be:

What strategy are we using to close the gap?

That’s the conversation American Dream Sticker Shock is trying to start.

Read more here:
https://wealthwave.com/tim/sticker-shock

Your income is a superpower. Every day, it helps put a roof over your family’s heads, food on the table, and opportuniti...
09/30/2026

Your income is a superpower. Every day, it helps put a roof over your family’s heads, food on the table, and opportunities within reach.

But who would carry that responsibility if you were no longer here?

Life insurance can help replace lost income so the people who depend on you can keep moving forward. It’s one way the care you give today can continue protecting them tomorrow.

Being their hero starts with understanding what they need and putting protection in place that fits your family and your budget.

You can’t control every tomorrow. But you can take steps today to protect theirs.

Think about who you were when you first bought life insurance.Now think about your life today.Maybe you got married.Had ...
09/28/2026

Think about who you were when you first bought life insurance.

Now think about your life today.

Maybe you got married.

Had children.

Bought a house.

Changed careers.

Earn significantly more.

Started a business.

Took responsibility for an aging parent.

Or maybe some responsibilities disappeared and your financial position became stronger.

Your life didn’t stand still.

But your policy may have.

Owning life insurance answers one question.

Whether it still fits your life is another.

A review doesn’t automatically mean buying something new.

It might confirm that everything is exactly where it should be.

It might reveal an outdated beneficiary.

A gap in coverage.

A workplace benefit you misunderstood.

Or simply a question you’ve never asked.

The goal isn’t more insurance.

The goal is understanding whether the protection you have still matches the people, responsibilities and future you have today.

Everybody wants a good price.They should.But when it comes to protecting a family, price is only one part of the decisio...
09/24/2026

Everybody wants a good price.

They should.

But when it comes to protecting a family, price is only one part of the decision.

Two policies can show the same coverage amount and still have very different:

Terms.

Features.

Conversion options.

Guarantees.

Underwriting.

Company strength.

And long-term implications.

Saving money is valuable.

Saving money by giving up something your family actually needs isn’t.

That’s why comparison should never stop at:

“Which one costs less?”

Ask:

What am I getting?

What am I giving up?

How long does it last?

What happens later?

And does this actually solve the problem my family needs solved?

Financial education helps turn a price comparison into an informed decision.

Compare carefully, not casually.

Love is what you do while you’re here.You provide. You show up. You make the mortgage payment. You buy the groceries. Yo...
09/21/2026

Love is what you do while you’re here.

You provide.
You show up.
You make the mortgage payment.
You buy the groceries.
You drive them to school.
You make plans for a future you expect to share.

But love can also mean preparing for a future you hope never comes.

Life insurance can’t replace a parent, a spouse, a laugh around the dinner table, or the person everyone turns to when life gets hard.

What it can do is help protect the life that continues.

It can help give a family time. Options. Stability. The ability to keep moving forward while everything else feels like it has stopped.

Because the greatest promise we make to the people we love isn’t simply:

“I’ll take care of you.”

It’s:

“I’ve done what I can to make sure you’re cared for, even if I can’t be there.”

At first glance, the question might seem silly. Of course they all matter. But if you had to rank them by importance, wo...
09/17/2026

At first glance, the question might seem silly. Of course they all matter. But if you had to rank them by importance, would your priorities match what you’ve chosen to protect?

In 2026, only 52% of American adults report having life insurance. Yet 38%, representing approximately 92 million adults, say they need coverage or need more of it.*

Cost, competing priorities, and uncertainty about what to buy can all get in the way.

Start by checking what you already have. How much would it pay? How long would it last? What would your family need it to cover?

Financial education helps turn “I think we’re covered” into a clearer understanding of where you stand.

*Source: 2026 Insurance Barometer Study, LIMRA and Life Happens.

If your household lost its primary wage earner, how long could it cover the bills?Nearly half of Americans, 47%, say the...
09/15/2026

If your household lost its primary wage earner, how long could it cover the bills?

Nearly half of Americans, 47%, say they would have trouble paying living expenses within six months of their primary wage earner’s death.*

The mortgage, groceries, and tuition wouldn’t stop. Life insurance can help provide money to meet those needs while a family navigates loss.

Start with your actual monthly expenses. Compare them with available savings and existing coverage. Then consider how long that support would need to last.

It’s a difficult question. Answering it now can help you prepare for the people who depend on you.

*Source: 2026 Insurance Barometer Study, LIMRA and Life Happens.

Most people think of their income as a number on a paycheck.Your family experiences it very differently.It’s the house t...
09/10/2026

Most people think of their income as a number on a paycheck.

Your family experiences it very differently.

It’s the house they come home to.

The food in the refrigerator.

The activities your children love.

The college dreams you’re helping build.

The vacations, traditions, birthdays and ordinary Tuesdays that make up a life.

Your income quietly supports almost everything your family is building.

So one of the most important financial questions isn’t only:

What are we doing with our income today?

It’s:

What happens to everything depending on it if that income suddenly stops?

Building wealth takes years. A family’s need for protection exists right now.

Protecting income isn’t about expecting the worst.

It’s about recognizing what your work already makes possible and protecting the people who depend on it.

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