Desjardins Retirement Solutions

08/21/2026

A record number of U.S. adults under 35 are living with their parents, according to a recent Realtor.com study.

In 2025, 25.2 million adults under 35 lived at home, a higher share than during the COVID-19 pandemic.

Many are working, but wages are not always keeping up with the cost of living. Among adults ages 25 to 34 who live at home, roughly 7 in 10 have jobs.

Housing affordability is a major factor. Higher home prices, elevated mortgage rates, rent, student loan payments, car payments, and everyday expenses can make living independently harder to sustain.

For some families, moving back home may be a way to reduce expenses, rebuild savings, or create more breathing room before taking the next step.

The broader takeaway is that financial independence does not always follow a straight timeline. Cost-of-living pressures are reshaping what adulthood, housing, and household decisions look like for many families.


Source:

One woman in her mid-30s said her $60,000 annual income wasn't enough to cover all her bills after a breakup, leading her to move back home.

08/19/2026

Protecting your future is easy. Rethink life insurance today. Contact me to find out more.

08/17/2026

Back-to-school season is bringing higher costs for many families.

A new analysis found that a typical basket of school items, including notebooks, lunch boxes, and index cards, is up nearly 8% compared with last year.

School lunches are also more expensive, with the cost of a typical packed lunch up 11%.

The analysis estimates families may spend roughly $4,000 per student on school supplies and lunches this year, including about $175 on school items and $3,800 on packed lunches.

Some items have seen especially sharp increases. Lunch boxes are up 27%, one-subject notebooks are up 23%, and index cards are up 22%.

Higher tariffs, imported school supplies, food prices, and energy costs are all contributing to the increase.

For families, back-to-school shopping is a reminder that seasonal expenses can add up quickly, especially when everyday costs are already stretching household budgets.


Source:

U.S. households will spend roughly $4,000 per student on school supplies and lunches this year, a new analysis found.

08/14/2026

What is it about August?

08/13/2026

🌍 Leave footprints that inspire generations! 🌍 August is What Will Be Your Legacy Month, reminding us that every action we take matters. Each word of encouragement, each act of kindness, can ripple through time and touch countless lives. Let's make our legacy one of love, compassion, and empowerment! 💚

08/06/2026

The House passed a bill that would make daylight saving time permanent across most of the United States.

The bill passed by a vote of 308-117 and would end the twice-a-year clock change if it becomes law.

Supporters say permanent daylight saving time would provide more evening daylight during the hours when many Americans are most active. They also point to potential benefits for families, outdoor activity, tourism, and local businesses.

Critics have raised concerns about darker winter mornings, especially for children waiting for school buses and parents commuting to work.

States could opt out if their legislatures act before the bill takes effect.

The bill still needs to pass the Senate before it can be signed into law, so the current clock-change system is not changing yet.

For households and businesses, the debate is a reminder that even something as routine as changing the clocks can affect schedules, safety, commuting, consumer behavior, and local economic activity.


Source:

The Senate would also have to pass the daylight saving time bill before it could be signed into law, but it’s unclear if it will do so.

08/06/2026

🌟 August is the month to ponder our legacy! 🌟 Reflect on your past and your future goals to consider what you will be leaving behind for future generations. As we reflect on our lives, let's remember that our legacy isn't just about money or possessions—it's about the impact we make on the lives of others. Take a moment today to think about the positive mark you want to leave on this world. 💫

07/30/2026

07/29/2026

Federal Reserve officials were divided on where interest rates could go next, according to minutes from the June meeting.

At that meeting, the Fed voted unanimously to keep its benchmark interest rate in the 3.5% to 3.75% range.

The minutes show that some officials saw a case for lower rates if inflation eases, while others saw a case for higher rates if price pressures remain elevated.

Inflation was a major part of the discussion. Officials noted that tariffs, energy prices, and supply disruptions tied to the Strait of Hormuz could keep inflation elevated in the near term.

They also discussed how demand for artificial intelligence infrastructure could put upward pressure on prices for technology products and electricity.

For households and businesses, the broader takeaway is that interest rate decisions remain closely tied to incoming economic data. Inflation, energy costs, employment, and market conditions can all influence how policymakers approach future rate moves.


Source:

The Federal Reserve on Wednesday released minutes from its June 16-17 meeting.