Are You Wealthy or Rich?, The Problem With 401(k) Catch-Up Contributions, Use This Thermostat Setting to Save When Temps Drop

Don't Keep These in a Safe Deposit Created for {EMAIL} | [Web Version]( October 26, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [Twitter]( [Youtube]( [Instagram]( [SIGN UP]( ⋅ [WEBSITE]( [] Top story [] [Use This Thermostat Setting to Save Money This Winter]( [Use This Thermostat Setting to Save Money This Winter]( (Getty Images) Temperatures are dropping around the U.S. The right thermostat setting can keep your home cozy [while cutting your energy bill](. [] Personal Finance [] [Being Rich vs. Being Wealthy: What’s the Difference?]( [Being Rich vs. Being Wealthy: What s the Difference?]( (Getty Images) Where do you have the most zeros? Andrew Rosen, CFP, explains the difference and explains [how to build wealth beyond just the contents of your bank account](. [VantagePoint: Where Generative A.I. Meets Stocks]( If A.I. is the future, why not incorporate it into your stock picks? Spot the trends before they're trending with VantagePoint. See how this works across multiple asset classes including stocks, ETFs, Options Forex, Futures, and even Cryptocurrencies. [Attend The Next Live A.I. Market Training]( [LEARN MORE]( ADVERTISEMENT [] In Case You Missed It [] [Home Insurance Rates Surge Nearly 15% at Farmers, USAA]( [Home Insurance Rates Surge Nearly 15% at Farmers, USAA]( (Getty Images) Macroeconomic conditions continue to hammer U.S. home insurers, leading to higher-than-average rate hikes nationwide, according to a recent report. Most insurers have raised rates an average of 8.8% so far this year, and [at least two have hiked them by double-digits](. [] Taxes [] [The Problem With 401(k) Catch-Up Contributions for 2024]( [The Problem With 401(k) Catch-Up Contributions for 2024]( (Getty Images) Last year, the SECURE 2.0 Act substantially changed retirement account rules causing confusion and raising concerns. Many of these changes have already taken effect. Kiplinger’s tax team [breaks down the changes]( helping you get through this retirement maze. [Expert-Built Portfolios to Match Your Goals]( No matter your level of experience, you can work with our financial advisors to create your personalized investment plan. Schedule your complimentary financial planning session today with J.P. Morgan Personal Advisors. [Invest with No Advisory Fee for 6 Months](. [GET STARTED]( INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE ADVERTISEMENT Featured Content Sponsored Content from Kiplinger Advisor Collective [Join the Kiplinger Advisor Collective Today]( Are you a seasoned financial professional with a wealth of experience waiting to be shared? Do you dream of expanding your influence within the industry and connecting with like-minded peers? The Kiplinger Advisor Collective is the ultimate platform for personal financial experts like yourself. [Find out more](. 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