Hey Future Funders family, happy Monday.

We recently learned that the residents of Miami actually spend the MOST money on groceries compared to anywhere in the nation.

Weird because I’m the only one in this Miami grocery store carting around the bottomless pit, snack queen + space ranger that is my daughter.

Ok, Let’s get to it.

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Parenting In The Afterlife

🚀 What’s happening: The truth is we will always be our kids’ parents - even after we are gone. 

And when it comes to the idea of leaving assets (fancy word for money or valuable stuff) to our children, over two thirds of parents today worry about it.

Should we or shouldn’t we? Can we trust them? Are they going to be financially reliable when we aren’t here? How do I save so I have something to leave?… These are just a few of the many questions that swirl in our heads around this topic.

You know your kids best… so we can’t answer all of these questions for you, but we can give you more detail on a few different ways people actually go about passing on wealth so you can choose something that may be right for your family.

Dinner Discussion ❓

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📉The personal consumption expenditures (PCE) price index (basically a survey measuring consumer prices) showed prices increased +1.7% in Q4 2023. This data point means inflation continues to move lower and has finally been running below wage growth for the past few months (translation: if this continues for several more months maybe families will finally get back to a world where wages can reliably outpace our costs - fingers crossed). 

🏦 The Consumer Financial Protection Bureau (CFPB) wants to make it illegal for banks to charge overdraft fees in a new proposal this week. The downside is given how slow our government typically does anything, the new rule likely won’t go into effect until next October.

🏠 We do expect interest rates to come down this year, but probably not as much as experts have predicted. That’s why if you’re in the market for a home it might help to learn about assumable mortgages. Already familiar? You can check out listings through a start-up company we spotted called Roam.

₿ Different amounts of Bitcoin can change your overall portfolio risk, so if you’re still deciding whether to add it to your investment portfolio, read this first. (side note: when “the experts” say the word “risk”, they typically mean volatility or how much and how quickly your portfolio’s value can change in the short term).

Don’t be shy.

Have a money question and need a honest answer?

📜 Quote Of The Week

“Having one child makes you a parent. Having two kids makes you a referee.”

- David Frost

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