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Why we love this deal

Accessories don’t have to be large to make a statement. In fact, some of the daintier, smaller rings, necklaces, and bracelets shine far more than a giant jewel or gemstone. Not only that, but these smaller selections are often more affordable and fit into our budget so that we don’t have to scrimp and save in other areas of our lives. Jewelry certainly isn’t an essential, but it is a fun luxury that we think everyone should get to enjoy, and with Macy’s sales prices on products like the Macy’s Diamond Accent Heart x Link Bracelet, even the budget-conscious shopper can find something sparkly to add to your wardrobe. 

The diamond and gold Macy’s exclusive is a bit more funky compared to your standard tennis bracelet but still subdue enough to pair with a whole host of outfits. Even better? The $100 bracelet is on sale for 60% off, meaning you can grab one of your own for just $40 right now. 

Macy’s Diamond Accent Heart x Link Bracelet, $40 (was $100) at Macy’s

Courtesy of Macy’s

Shop at Macy’s

Why do shoppers love it?

There are a few fun things that really make this bracelet stand out on the market compared to similar styles. For one, unlike a standard tennis bracelet which has a symmetrical band of diamonds running completely around the entirety of the bracelet, this piece incorporates diamonds and criss-crossing metal links, resulting in a fun pattern almost resembling “X”‘s and “O’s.” 

The bracelet has diamond-accented hearts with this criss-cross stitch made from the fine silver plate that encompasses most of the bracelet. The repeating pattern then ends with an adjustable bolo clasp that’s a bit more unique than the standard hook and loop or lobster claw. It adds an additional bit of flair and it’s convenient to customize the fit of the bracelet to be exactly as you want it. Wear it tightly for a more secure fit or leave it a bit looser for a more relaxed fit. 

Unlike sterling silver, which is almost identical in look, the fine silver plating used in this bracelet’s design refers to the 99.9% pure silver covering over top of a base metal core, typically something like brass or copper. It allows for a sturdy piece of jewelry that doesn’t tarnish or deteriorate in quality over time. 

Related: Macy’s is selling a $250 diamond bolo bracelet that comes in 3 colors for 65% off

The bracelet is adjustable in length between 6 to 10 inches. The fine silver plating comes in silver, gold, and rose gold so you can choose the look and style that best suits your wardrobe and your preferences. 

Details to know

Length: The bracelet is adjustable, ranging from 6 inches to 10 inches long.

Material: Silver plate. 

Color: Three.

Clasp: Bolo. 

Although a delicate and lightweight bracelet, the design of it is quite sturdy. It doesn’t feel like it’ll fall off or be too fragile. Shoppers really love the adjustable bolo clasp for both the look of it and the convenience with customizing the bracelet’s fit to the wrist. It has a quality shine that lasts a while, even with lots of wear, and a lot of shoppers love to gift it to friends and family. 

Shop more deals 

Macy’s Diamond Accent Heart Tag Chain Bracelet, $60 (was $100) at Macy’s

Arabella Cubic Zirconia Graduated 17-Inch Necklace, $304 (was $850) at Macy’s

Wrapped Diamond Bolo Bracelet, $304 (was $800) at Macy’s

Enjoy a delicate touch of style with the Macy’s Diamond Accent Heart x Link Bracelet. With such a unique and fun design, and for such a convenient price at only $40, it’s certainly at the top of our shopping list. 

Most 401(k) participants log in, check their balance, and close the tab. They never click the planning links sitting right next to that number.

T. Rowe Price’s newest research suggests that habit could be costly. The firm’s 2026 Reference Point report covered more than two million participants across 712 plans.

The report found that workers who use free advice or planning tools save at a rate 29% higher than non-users. Those same users hold twice the average account balance.

Yet only 13.8% of participants ever touch those resources. That leaves roughly six out of seven workers with free help they have never accessed.

T. Rowe Price’s 2026 data uncovers a stark 401(k) divide

T. Rowe Price manages $1.80 trillion in client assets, and the firm released its annual Reference Point report on Feb. 11, 2026. 

The data cover plans on its full-service recordkeeping platform. Tool users saved at a rate 29% higher than non-users, according to the report, though T. Rowe Price did not disclose the underlying percentages for each group. 

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“This year’s data shines a light on how personalized guidance and advice are pivotal for retirement readiness,” said Francisco Negrón, head of Retirement Plan Services at T. Rowe Price. 

“As the economic environment continues to challenge retirement savers, equipping them with financial tools and support is more important than ever,” Negrón added.

The selection bias problem behind the 401(k) data

The 29% savings gap and doubled balances reflect a correlation within T. Rowe Price’s own data. The report does not claim the tools caused those outcomes, though its framing implies it.

People who seek out planning tools tend to be more financially engaged and predisposed to save, and researchers call this selection bias.

T. Rowe Price’s release does not control income, age, or plan tenure, and the “twice the average balance” also relies on averages rather than medians, which high-balance outliers can skew upward.

Use of 401(k) planning tools may correlate with higher savings, but selection bias makes it difficult to prove that the tools actually lead to better retirement outcomes.Daniel de la Hoz / Getty Images

Vanguard and Morningstar research backs the case for 401(k) guidance

Independent research fills part of the gap that T. Rowe Price’s data leaves open, and Vanguard has published its Advisor’s Alpha research since 2001 and updated it in 2025.

Quality financial advice can add about 3% in net value annually through behavioral coaching, tax-efficient strategies, and smarter withdrawal sequencing, according to Vanguard’s Advisor’s Alpha framework.

Behavioral coaching is the largest component, worth up to 150 basis points per year. 

Lauren Valente, Vanguard’s managing director of Workplace Solutions, said decades of evidence prove automatic plan features significantly boost retirement savings participation.

More than 25 years of data and insights make it clear [that] strong default contribution options and automatic features have made saving for retirement more accessible and effective for more Americans than ever before.

Stopping investors from panic-selling during downturns adds more value than any portfolio technique, Vanguard noted. Morningstar researchers David Blanchett and Paul Kaplan reached a similar conclusion in their 2013 “Gamma” study. 

Smarter withdrawal strategies, tax-efficient allocation, and annuity decisions can boost certainty-equivalent retirement income by 22.6%, which the authors estimated has the same impact as a 1.59% annual return increase.

Both firms sell advisory services, giving each a commercial interest; their methods also measure full-service relationships, not self-service 401(k) tools.

How much of the free 401(k) help most workers leave on the table

Most major recordkeepers offer participants planning resources at no additional cost. These include retirement readiness calculators, savings rate optimizers, and Roth comparison features.

Many plans also include phone-based guidance with a licensed professional, covered through plan fees rather than charged to the individual, but these tools go largely unused. 

Only 13.8% of participants currently engage with the advice, education, or tools available through their workplace retirement site, T. Rowe Price’s 2026 benchmarking report found, even though users save 29% more and have twice the average account balance.

Cerulli Associates found that 71% of pre-retirees had not sought advice or planning help from their 401(k) provider in the past year, and 45% had not used available financial wellness tools. 

The firm recommended that recordkeepers improve awareness of existing tools and collaborate with advisors to present a streamlined advice offering.

What the data mean for your retirement savings rate

Vanguard’s 2026 How America Saves report recommends a total savings rate of 12% to 15%, including employer contributions. 

The average total rate hit a record 12.1%, but many workers remain below that target, the firm reported. Most plan portals include a retirement readiness projection that estimates in a few minutes where a participant stands against Vanguard’s 12% to 15% target. 

T. Rowe Price’s data shows 99% of auto-enrolled participants either maintain their employer-selected default rate or increase it, a sign that plan design is doing much of the heavy lifting, but also that only a minority actively push their rate higher.

The evidence does not guarantee that opening a calculator will double your balance, and it does suggest that the 13.8% who engage beyond enrollment tend to land in stronger positions.

T. Rowe Price’s 2026 data shows a strong link between using free workplace tools and better 401(k) outcomes. 

Related: What to Know about Including Annuities in Your 401k

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