Americans are in debt — a lot of it. A recent survey found that the average 25-to-34-year-old carries $42,000 in debt, and that doesn’t even include mortgages. Because of this financial burden, many adults are delaying life milestones and putting off things like buying houses, getting married and starting families, and it seems there is no stopping the cycle.

Recent developments regarding trade and tariffs have companies everywhere watching and waiting to see what will happen in the businessworld. In uncertain global markets, prices of goods like meat, metals and tech components may rapidly oscillate.

With December 31 coming up quickly, the most important phone call that owners of solo businesses can make in the next few weeks may be to their accountants.

A CFO plays a crucial role in shaping and strengthening the structure that supports every member of their team. As customer needs, company cultures and technology evolve, so too do the demands placed on CFOs.

Many people want to retire early. Retirement provides ample time for hobbies, rediscovering yourself and relaxing away from the daily grind of work. However, with factors such as lower social security income, insufficient savings or outliving savings projections, those looking to retire are all asking the same question: How can I retire earlier and be confident in my choice?

“I love the idea of directly impacting peoples’ lives,” Natalie Colley says from her office on Broadway in New York City. That desire to personally connect with and positively affect others is the chief reason Colley left the pharmaceutical industry behind after seven years as a chemical engineer for a career as a financial planner. Working at major drug companies on the east and west coasts, “I felt too far away from the people I wanted to help,” she explains.