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6 Steps to Help Teens Plan Financially for the Future

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Financially Prepared Teens

(Family Features) For teenagers, retirement may seem like a lifetime away, but it’s never too early to start saving for the future. Because financial habits can be created at a young age, the sooner kids begin to save and learn about investing, the less likely they’ll face worries about money when they eventually stop working.

Teens are already thinking about retirement, according to the Achievement Teens & Retirement Survey conducted by Wakefield Research on behalf of Junior Achievement and MissionSquare Retirement’s Foundation. Among young adults ages 13-18 surveyed, 83% have thought about their retirement and 78% believe they’ll be able to retire comfortably when the time comes. However, only 60% view retirement as living on investments and savings after leaving work, believing instead retirement could mean taking extended time off for travel, study, illness or taking care of family matters.

“This research shows retirement is more top-of-mind for teens than one might think,” said Tim Greinert, president of Junior Achievement USA. “While young people have given retirement planning some thought, it’s apparent they still need information on the best way to go about it.”

Because nearly half of U.S. households (46%) report having nothing saved for retirement, according to the Survey of Consumer Finances, taking steps early to save and invest can help teens get a head start on achieving a successful retirement.

  1. Start now. The sooner you start, the longer you have to save and for investments to grow. Even though contributions may be small during your teens and 20s, it can make a dramatic difference in the long run.
     
  2. Pay yourself first. Whether through a dedicated savings account or an employer’s retirement plan, set aside a set percentage of each paycheck. Then prioritize spending on what you truly need and want.
     
  3. Invest what you save. Unless you save a lot, you’ll need to make the most of your savings by investing them to help them increase in value. According to the survey, teens believed investing in stocks and bonds with the help of a financial advisor (45%) or researched online (38%), buying real estate or property (30%) and buying cryptocurrency or non-fungible tokens (15%) are among the best ways to save for retirement.
     
  4. Find the right balance between investment risk and potential return. The ideal mix is one most likely to help meet investment goals with a level of risk you can handle. The longer you have to invest, the more risk you can likely take.
     
  5. Spread savings across different types of investments. This helps you manage risk. As some investments go through rough stretches, others are likely to hold steady or grow.
     
  6. Stick with your investing plan. Avoid making decisions based on emotions or in an attempt to time the ups and downs of the market. Focus instead on meeting goals over time.

“The fact that so many young adults in the early stages of their careers are aware of a variety of investment strategies is encouraging news,” said Deanna Santana, president, MissionSquare Foundation. “Over the course of our lifetimes, investment approaches, the economy and our priorities will change, so planning for life after work is an ongoing necessity – for teens and adults alike.”

Find more advice to plan for the future and achieve economic success at ja.org and missionsq.org.

Photo courtesy of Shutterstock

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Junior Achievement

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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Exciting Collaboration: Ketone Labs & Blue Pacific Flavors Unite to Transform Functional Beverages at Expo West 2025!

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Ketone Labs
Ketone Labs, a leader in beta-hydroxybutyrate (BHB) innovation, has partnered with Blue Pacific Flavors, a premier expert in natural flavor solutions, to pioneer goBHB®-powered functional beverages & nutritional products.

PRNewswire

March 4-7, 2025, marks a momentous occasion in the world of innovation at Expo West, and we’re thrilled to share the exciting news about the strategic partnership between two pioneers: Ketone Labs and Blue Pacific Flavors. This collaboration aims to revolutionize the functional beverage landscape with the introduction of goBHB®-powered drinks, combining science-backed formulation with mouthwatering flavors.

What’s Buzzing at Expo West?

Set in the vibrant city of Anaheim, California, Expo West 2025 is the place to be for industry professionals and health enthusiasts alike. Visitors can look forward to an exclusive sneak peek at groundbreaking non-stimulant energy beverages that harness the power of goBHB®. These innovative drinks stand out by delivering clean, sustained energy without the jitters associated with caffeine or taurine.

The Power of goBHB®: Fueling a Healthier Future

At the core of this partnership is goBHB®, a game-changing innovation that promises to uplift our daily wellness routines. Here’s a breakdown of what makes these beverages stand out:

  • Brain Health: The cognitive benefits of goBHB® are remarkable! It enhances mental clarity and focus, making it perfect for those long workdays or study sessions.
  • Gut Health: With specially designed formulations that support the microbiome, these beverages are as much about feeling good on the inside as they are about revitalizing your energy levels.
  • Metabolic Energy: goBHB® serves as a rapid source of fuel, enabling endurance and performance, whether you’re hitting the gym or navigating a busy day.

Meet Our Innovators

Industry veterans Donald F. Wilkes, CEO of Blue Pacific Flavors, and Rob C. Rogers, Founder of Ketone Labs, are enthusiastic about this partnership and the future it holds. With Donald’s extensive experience in flavor science and beverage formulation and Rob’s commitment to pushing the boundaries of metabolic health, this collaboration is set to redefine expectations.

“In my 40+ years in the industry, I have never seen a technology as transformative as goBHB®,” Wilkes stated. “It’s a game-changer in metabolic health, offering a science-backed, clean-energy solution that fits today’s functional beverage landscape.”

Echoing this sentiment, Rob C. Rogers shared, “goBHB® is revolutionizing the industry, and our partnership with Blue Pacific Flavors is pivotal in unlocking its full potential.”

Tantalizing Taste Meets Cutting-Edge Science

One of the most exciting aspects of this partnership is the introduction of several unique and innovative flavored products, all developed by Blue Pacific Flavors. The day is coming when functional health drinks aren’t just good for you—they’ll taste fantastic too!

Will you be attending Expo West 2025? Be sure to visit Booth #4373 for a chance to sample these extraordinary beverages and see firsthand how goBHB® can integrate into your lifestyle. Attendees will have the opportunity to engage with the experts behind these innovations and learn more about the intersection of delicious flavor and health-conscious formulation.

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Join Us on This Journey!

As we embark on this exciting journey in functional nutrition, we invite you to stay connected and follow along. Together, Ketone Labs and Blue Pacific Flavors are committed to delivering the next generation of delicious, effective, and innovative products tailored to modern consumer needs.

Let’s Change the Way We Think About Nutrition

Join us at Expo West 2025, and be part of the exciting new wave of functional beverages that promote brain health, gut health, and metabolic energy without compromising on flavor. The future of wellness awaits—let’s explore it together! 🥤✨


For more updates, follow us on our social media channels and explore the fascinating world of goBHB® and its incredible potential! See you in Anaheim!

STM Daily News is a vibrant news blog dedicated to sharing the brighter side of human experiences. Emphasizing positive, uplifting stories, the site focuses on delivering inspiring, informative, and well-researched content. With a commitment to accurate, fair, and responsible journalism, STM Daily News aims to foster a community of readers passionate about positive change and engaged in meaningful conversations. Join the movement and explore stories that celebrate the positive impacts shaping our world.

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Urban Remedy Disrupts the $5.1B Shakes Market with First-of-Its-Kind Organic Protein Collagen Shake

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Made with 30g protein, 10g grass fed collagen and 0g added sugar.

POINT RICHMOND, Calif. /PRNewswire/ — Urban Remedy, a leader in certified organic freshly prepared ready-to-eat meals, snacks, and cold-pressed juices, announces its launch of organic high protein collagen meal replacement shakes.  Fueled by surging consumer demand for clean protein and collagen, Urban Remedy‘s decision to launch this trendsetting innovation is made possible with a first to market source of organic bovine collagen peptides from sustainably raised grass-fed cowhides.

Urban Remedy,
Urban Remedy Chocolate and Vanilla Protein Collagen Shakes

Now available in Whole Foods Market, the Organic Protein Collagen Shakes come in two delicious flavors that deliver unmatched nutritional benefits, Chocolate with 30g of protein, and Vanilla with 28g of protein. They both include 10g of organic collagen to support hair, skin, nail and joint health. The type 1 and type 3 collagen peptides are hydrolyzed for optimal absorption and provide 18 amino acids. There is 0g added sugar per bottle. Instead, the drinks are naturally sweetened with date, plant-based stevia extract and monk fruit extract offering an uncompromisingly delicious taste.

“The demand for high protein and clean eating continues to grow, fueled by busy lifestyles and an increasing understanding that food is medicine.” said Steven Naccarato, CEO, Urban Remedy. “As a fast-growing leader in functional food and beverage, we’re committed to transforming the way people fuel their bodies.”

“Consumers want foods that taste amazing with less sugar and real, nutrient dense ingredients,” said Neka Pasquale, Founder and Chief Product Officer of Urban Remedy. “Our products are 100% clean, and we specially choose certified organic ingredients for their healing properties, such as organic grass-fed collagen. As a brand we never include inflammatory ingredients like dairy, gluten, refined sugar or any artificial ingredients.”

The Organic Protein Collagen Shakes are now available in Urban Remedy’s grab & go kiosks in Whole Foods Market, online on Whole Foods Market on Amazon and retail for $9.99 for a 16oz bottle.  

For more information about Urban Remedy, visit www.urbanremedy.com.  Find a store near you at ww.urbanremedy.com/locations/

About Urban Remedy

Urban Remedy creates delicious, clean and convenient organic foods that embody the belief that food is healing. All of Urban Remedy‘s freshly prepared meals, refrigerated snacks and cold-pressed juices are certified organic, non-GMO, gluten-free, dairy-free, and refined sugar free to support an anti-inflammatory diet and are thoughtfully crafted with every ingredient chosen for its healing properties. Urban Remedy believes that business can be a force for good and is a certified B corporation meeting rigorous standards of environmental and social performance, accountability and transparency. Urban Remedy is sold in over 370 Whole Foods Market locations and in other retailers including Ralphs, Fred Meyer, QFC, Fry’s, King Soopers, Andronico’s, Raley’s and more. www.urbanremedy.com.

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Source: SPINS MULO + Natural Channel, Protein & Meal Replacement Liquid Subcategory, L52W ending 1/26/25

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The Bridge

Celebrating the Legacy of Dr. Patricia Era Bath: A Trailblazer in Ophthalmology and Beyond

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In a world where innovation often shapes the future, few have left as profound a mark as Dr. Patricia Era Bath. Born on November 4, 1942, Dr. Bath transcended boundaries, redefining what it means to be a pioneer in medicine and a champion for the underserved. Her journey is not just a testament to her incredible intellect and skill as an ophthalmologist, but also to her unwavering commitment to humanitarianism and social justice.

Patricia Bath
Changing the face of Medicine (Wikipedia)

A Visionary in Ophthalmology

Dr. Bath was not only a skilled surgeon; she was a revolutionary. As one of the early pioneers of laser cataract surgery, her work has changed the lives of countless individuals worldwide. The development of this innovative technique not only improved patient outcomes but also symbolized a turning point in ophthalmic surgery. With her groundbreaking achievements, Dr. Bath illustrated that the intersection of science and compassion could embody the essence of healthcare.

Her trailblazing career included being the first woman inducted as a member of the prestigious Jules Stein Eye Institute and the first woman to lead a post-graduate training program in ophthalmology. Moreover, her remarkable journey culminated in her becoming the first African-American woman on the staff at the UCLA Medical Center, where she pushed boundaries in a field historically dominated by men.


A Legacy of Firsts

Dr. Bath’s legacy is marked by her groundbreaking “firsts.” She was the first African-American person to complete residency in ophthalmology at New York University and the first African-American woman to serve as a surgeon at UCLA Medical Center. Even more impressive is her achievement of becoming the first African-American woman doctor to receive a patent for a medical invention, holding five patents in total.

Among her most notable contributions is the founding of the American Institute for the Prevention of Blindness in Washington, D.C., where she tirelessly worked to raise awareness and address disparities in access to eye care. Dr. Bath’s pioneering spirit extended beyond her profession; she propelled an entire generation toward a future where access to quality medical treatment is a right, not a privilege.

A Voice for the Voiceless

Dr. Bath’s humanitarian work extended to advocacy as she sought to illuminate the challenges faced by marginalized communities in achieving equitable healthcare. In 2009, she was honored to stand beside President Barack Obama, recognizing her contributions in ophthalmology and serving on his commission for digital accessibility to blind children. Her efforts highlighted the pressing need for inclusivity in healthcare, technology, and education—echoing her steadfast belief that everyone deserves access to the tools that enhance sight and learning.

In April 2019, just weeks before her passing, Dr. Bath shared her insights during a Senate hearing titled “Trailblazers and Lost Einsteins: Women Inventors and the Future of American Innovation.” Her testimony shed light on the gender disparities in STEM fields and the crucial need for recognition and support of female inventors. Even in her final days, she was a beacon of hope and progress.

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Remembering Dr. Patricia Bath

Dr. Patricia Era Bath passed away on May 30, 2019, due to cancer-related complications, leaving behind an inspiring legacy of resilience, empathy, and innovation. At age 76, she had changed the very fabric of medicine while reminding us of the vital importance of diversity in healthcare.

As we celebrate Dr. Bath’s life, let us remember her not only for her remarkable achievements but also for the path she has paved for future generations. Her legacy lives on, reminding us that the fight for equity in healthcare is far from over and that the spirit of innovation fuels our collective journey toward progress.

In honor of Dr. Bath, let us continue her mission to advance healthcare for all, celebrate diversity in all its forms, and strive to make the world a more equitable place—for sight, for education, and for justice. Rest in peace, Dr. Patricia Era Bath. Your vision changed the world, and you will forever be remembered as a true trailblazer.

Patricia Bath (Wikipedia) https://en.wikipedia.org/wiki/Patricia_Bath

STM Daily News is a vibrant news blog dedicated to sharing the brighter side of human experiences. Emphasizing positive, uplifting stories, the site focuses on delivering inspiring, informative, and well-researched content. With a commitment to accurate, fair, and responsible journalism, STM Daily News aims to foster a community of readers passionate about positive change and engaged in meaningful conversations. Join the movement and explore stories that celebrate the positive impacts shaping our world.

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