NEW YORK — There was a time when Naomi Peña could seemingly do it all: Work a full-time job and raise four children on her own. But when the viral pandemic struck early last year, her personal challenges began to mount and she faced an aching decision: Her children or her job? She chose her...

When I graduated from high school, I remember receiving two gifts: Cash and a beautifully wrapped box. I received this same wrapped gift at my wedding reception and my kids’ baby showers. What was inside this mysterious present? Blank thank you notes. The giver (my mom) even included names and addresses of people who gave...

Although “time is money” is a popular adage, when it comes to retirement, it’s often timing that matters most. Significant losses or depletions to your savings early in retirement can shrink your nest egg. This is known as the sequence of returns risk, and it is an important concept to know about so you can...

Despite the recent resurgence of COVID-19, many consumers are more comfortable shopping at brick-and-mortar stores compared to last year, and experts are predicting substantial retail traffic this holiday season. “While COVID-19 is still making headlines as we head into the holidays, vaccine availability and retailers’ health and safety measures have put us in a different...

We’ve all heard that Labor Day meant packing up our white clothes to make way for darker hues in our closets. It wasn’t strictly enforced, of course, but I did put away my crisp Keds and all white outfits — mostly because Midwestern winters don’t pair well with light colors. I don’t wear Keds anymore,...