SUCCESS

The PGA Tour and LIV Golf playoffs heat up as Laurie Canter leads the Majesticks, while Scottie Scheffler struggles and Rory McIlroy stays near the top at the BMW Championship.

The next time you upgrade your phone, the extra expense may not be for an improved camera, a brighter display, or some other AI function.

It could be coming from the plant that creates the chips inside it.

Samsung Electronics has hiked pricing on some sophisticated contract chipmaking services by up to 15% for new orders as AI demand tightens capacity across the semiconductor sector, Reuters reported.

The increases affect consumers in both the U.S. and China and come as the major chip makers try to keep up with demand for AI chips.

The simple point for customers is this:

Samsung is not boosting the selling price of its smartphones by 15%.

But if companies that make semiconductors for phones, computers, and linked gadgets have to pay more to make them, those costs have to go somewhere.

They are absorbable.

They can cut margins.

Or they can eventually find their way into the price of the item in your palm.

Samsung’s chip price hikes could ripple into smartphones

Samsung has reportedly increased rates on its 4-nanometer SF4 technology by 10 to 15 percent for clients in the U.S. and China.

Its 5-nanometer process also expanded 10% to 15%, with older 8-nanometer manufacturing rising over 10%.

These are not abstract numbers.

Modern smartphones rely on a network of chips that handle processing, cameras, communication, battery management, and, increasingly, artificial intelligence workloads.

Samsung’s SF4 line already makes logic chips for customers, including Qualcomm, one of the leading providers of smartphone CPUs.

That implies the ripple effects of rising production prices might move across the supply chain toward gadget producers and ultimately customers.

The question is not whether a 15% wafer-price increase leads directly to a 15% phone-price increase.

More Tech:

ServiceNow’s quiet $1B cybersecurity boom

A European rival to SpaceX is chasing a $2B valuation

SK Hynix denies Intel Ohio fab deal, but the market didn’t care

It won’t.

The question is whether another major input cost is moving higher at a time when phones are already becoming more expensive.

Samsung’s foundry shift could become a bigger consumer storyBloomberg / Getty Images

AI is competing with phones for the same chipmaking capacity

The main problem is that AI is diverting semiconductor capacity toward the highest-paying clients.

TSMC is the leader in advanced contract chipmaking, with more than 70% of global foundry revenue in the first quarter of 2026, compared with Samsung’s around 7%, data from Counterpoint shows.

But TSMC is tightly booked for leading-edge production.

That’s driving customers to alternatives like Samsung and Intel.

Tight TSMC capacity is allowing Samsung greater room to boost pricing, BNK Investment & Securities analyst Lee Min-hee told Reuters.

Here the consumer’s perspective becomes clearer.

And AI businesses are willing to pay unusual money for scarce processing power.

The competition for smartphone makers happens in the same large semiconductor environment.

Chip makers have leverage when plants are full and demand is robust.

Consumers don’t always see that pressure coming.

Higher component prices can take months to filter through to product pricing.

But the direction is important.

Qualcomm, Google and Apple make this more than an AI-server story

Samsung’s customer pipeline connects the foundry boom directly to the gadget market.

Qualcomm builds logic processors on the SF4 series.

Tesla and Apple signed partnerships last year to manufacture chips at Samsung.

Broadcom said in July that it had signed a deal with Samsung to produce AI chips.

In March, Nvidia CEO Jensen Huang revealed that Samsung will build the new AI inference CPU for Nvidia.

And Google is reportedly negotiating with Samsung to use its SF4 method.

That is a striking mix of customers. Some are building AI infrastructure. Others sell products consumers buy every day. Samsung sits in the middle.

That gives the corporation a chance to reap the benefits of AI demand but also exposes the consumer-electronics supply chain to rising production costs.

Samsung’s foundry turnaround could come at a cost to buyers

Samsung is getting its economics in order.

Reuters quoted industry estimates that its foundry division has been losing money since 2022.

Higher manufacturing utilization, improved yields, and firmer pricing might help the unit return to profitability earlier than anticipated.

Samsung expects sophisticated production processes will account for over half of foundry revenue this year.

AI and high-performance computing are estimated to account for more than 30% of foundry revenue, up from about 15% to 20% in late 2025.

And that’s a powerful move.

Samsung is no longer just seeking to fill facilities.

It’s pulling in enough demand to charge more.

What phone buyers should watch

10% to 15%: Samsung’s reported price increase on some advanced chipmaking orders.

70%+: TSMC’s share of global foundry revenue in Q1 2026.

7%: Samsung’s share.

30%+: Expected Samsung foundry revenue tied to AI and high-performance computing.

Full capacity: Reported status of Samsung’s SF4 line since late 2025.

Qualcomm, Apple, Google: Consumer-facing companies linked to Samsung’s chipmaking expansion.

The consumer risk is not that every smartphone suddenly gets dramatically pricier.

Chip fabs alone do not set phone prices.

But Samsung’s ability to drive up manufacturing prices is another sign that AI is reshaping the economics of electronics far beyond the data center.

That could become a familiar experience for shoppers in the future.

A new phone launches. The features look better. The AI sounds smarter. And the price tag quietly moves higher too.

Related: Samsung’s foldable preorder surge comes with a retail catch

A popular frozen fruit bar brand is recalling products nationwide after consumers reported finding glass in them.

Dreyer’s Grand Ice Cream is voluntarily recalling select Outshine Fruit Bars because of possible contamination with glass, according to an August 18 notice posted by the Food and Drug Administration.

The recall covers selected batches of five flavors sold in six-count packages.

Strawberry

Watermelon

Grape

Tangerine

Black Cherry

Additionally, 24-count Outshine Variety Packs are also part of the recall.

The recalled fruit bars were distributed to retailers nationwide, including Walmart and Harris Teeter.

Walmart said the affected products were sold at select Walmart stores in all 50 states and on Walmart.com, while Harris Teeter confirmed that several of the recalled six-count varieties were available at its stores and have since been removed from sale.

Dreyer’s said it initiated the recall out of an abundance of caution following consumer reports of glass found in the products. 

No illnesses or injuries had been reported as of the company’s announcement.

Outshine fruit bars included in the recall

Only specified batches of the following products are affected:

Outshine Strawberry Fruit Bars, six-count, UPC 041548610047

Outshine Grape Fruit Bars, six-count, UPC 041548244044

Outshine Watermelon Fruit Bars, six-count, UPC 041548413624

Outshine Black Cherry Fruit Bars, six-count, UPC 041548000121

Outshine Tangerine Fruit Bars, six-count, UPC 041548612041

Outshine Variety Pack Fruit Bars, 24-count, UPC 041548816678

The affected packages carry numerous batch codes and best-before dates stretching from May 31, 2027, through November 30, 2027, depending on the flavor and batch. 

More Recalls:

Kroger hit by 19 million egg recall over serious health risk

Popular Walmart bakery item recalled over possible glass contamination

FDA recall hits 2.5 million bottles of widely used eye drops

Consumers can find the batch code and best-before date on the bottom of the packaging.

Dreyer’s stressed that no other Outshine products or varieties are included in the recall. Only the specified batches of the five six-count flavors and the 24-count variety pack are affected.

Consumers who have one of the recalled products should dispose of it or return it to the place of purchase for a full refund.

Anyone concerned about a possible injury from the product should contact a healthcare provider, the company said.

Select Outshine Fruit bars are being recalled nationwide.Michael Simon / Getty Images

Dreyer’s has issued recalls before

The latest recall follows another Dreyer’s action involving one of its major frozen-dessert brands last year.

In November 2025, the company recalled a limited number of Häagen-Dazs Chocolate Dark Chocolate Mini Bars because they could contain undeclared wheat, creating a potentially serious or life-threatening risk for people with a wheat allergy or severe sensitivity.

Outshine itself was also subject to a recall in 2023, when Dreyer’s recalled certain No Sugar Added Strawberry Fruit Bars because they could contain undeclared milk.

Related: Update: Whole Foods recalls products tied to jalapeño outbreak

Most technology gets cheaper the longer it stays on sale. That is the bargain buyers have come to expect. Wait a generation or two, and the gadget that cost a fortune at launch turns up at half the price with twice the storage.

Folding phones never honored that bargain.

Seven years after the first one reached store shelves, a folding handset still costs roughly double what a conventional flagship costs. The hinge is still the part owners worry about. The crease is still visible on most models. The category still accounts for a sliver of global shipments rather than the replacement wave the industry kept promising.

Buyers noticed. Survey after survey has found that most people do not want a phone that folds, mostly because they cannot see what the second screen buys them for the extra thousand dollars.

So a research note arguing that folding phones are about to turn into a real growth engine would usually be easy to skip.

This one is harder to skip, because of whose folding phone it involves.

Apple (AAPL) has stayed out of the category longer than any of its rivals, and a firm that had been sitting on the sidelines of the stock just decided that silence is worth paying up for.

Why the foldable phone market never went mainstream

The first mass-market folding phone arrived in 2019 from Samsung, and the pitch has barely changed since. You get a tablet-sized screen that fits in a pocket, and you pay a premium of roughly $1,000 over a standard flagship for the privilege.

Seven generations later, the mechanical problems have mostly been solved and the demand problem has not. Rivals including Google, Huawei, and Motorola all sell folding models. None of them has turned the form factor into a mainstream upgrade.

The volume numbers explain why. Samsung’s flagship folding model sells roughly three million units a year, a figure Jefferies flagged when it questioned the size of the market for a $2,000 phone, TheStreet reported on Oct. 3, 2025.

Set that against the 257 million conventional iPhones Rothschild uses in its own fiscal 2027 model, and the gap between a niche product and a mainstream one gets easy to see.

Related: Apple’s first foldable could reshape its entire iPhone launch

The resistance shows up in the survey data. A 2023 CNET survey found that 64% of consumers did not want a foldable handset, though a more recent Forbes survey found that 61% would gain immediate confidence in the category if one specific company entered it, according to Investing.com.

That second number is the entire bull case in one line.

The argument is not that folding phones are good. The argument is that the category has been waiting on a validator, and the case for a $2,000 foldable has always depended on who ships it rather than what it does.

What Rothschild sees in a $2,199 foldable iPhone

Rothschild & Co Redburn analyst Timm Schulze-Melander upgraded Apple to buy from neutral and raised his price target to $400 from $260 on Aug. 17, implying 31% upside from the prior Aug. 14’s close, according to CNBC.

The strength of the product roadmap and the move into folding handsets “appears underappreciated by the market,” he wrote to clients.

Apple has never confirmed a folding phone. The note assumes one lands next month, alongside the rest of the fall lineup, and that it carries a name most of the supply chain has already settled on: iPhone Ultra.

Here is what the forecast actually contains:

Sales of 14 million iPhone Ultra units in fiscal 2027, with four million of those treated as cannibalized sales from the 257 million traditional iPhones, according to CNBC.

A $2,199 price, an 83% premium to the iPhone 17 Pro Max, according to Invezz.

iPhone sales growing at a 12% annual rate through fiscal 2030, up to 14% above consensus, according to TipRanks.

A possible starting price of $2,325, above Redburn’s estimate, according to AppleInsider.

I ran the top-line math on those units, and the scale is smaller than the headline number suggests. Fourteen million units at $2,199 works out to roughly $31 billion in revenue spread across a fiscal year, against the $54.25 billion the iPhone line generated in a single recent quarter.

The foldable is not the story on volume. It is the story on price.

Redburn expects the device to lift average selling prices across the whole iPhone lineup by 11% by June 2027, according to CNBC, and that is the line that moves earnings.

The assumption I keep circling back to is the cannibalization figure. Four million out of 257 million works out to a 2% hit, which means Redburn is modeling a foldable that adds buyers instead of shuffling them.

Apple has pulled that off before with AirPods and Apple Watch. It has also never asked anyone to pay $2,199 for a phone.

Rothschild sets Wall Street’s highest Apple target at $400, betting iPhone Ultra boosts prices 11% by 2027.hapabapa / Getty Images

The Apple Intelligence problem behind the price target

The second half of the upgrade has nothing to do with hardware. Apple Intelligence, the company’s artificial intelligence (AI) platform, has disappointed since launch, and some of its marquee features run on a customized version of Google’s Gemini model.

Apple pays Google roughly $1 billion a year for that access while collecting about $27.5 billion a year from Google for search placement across its devices, according to Investing.com.

Redburn’s view is that Apple could cut its dependence by moving to open-source models, possibly with Nvidia (NVDA), an approach the analysts labeled “Fast Follower 2.0.”

More Apple News: 

Apple’s $54 billion iPhone machine may be about to break its biggest ritual

Apple’s cheap-chip plan just hit a wall in Washington

Apple’s next iPhone battle just got more complicated

Those two figures are worth sitting with. The company is paying about one dollar for every 27 it collects from the same partner, which is a comfortable position to occupy right up until the search payments come under legal or competitive pressure.

That framing matters because it reprices the AI discount. Apple has spent two years being marked down for showing up late to AI, which is roughly the same criticism it absorbed for showing up late to folding phones, large-screen phones, and streaming.

Late has historically been where the company makes its money.

What the foldable iPhone bet means for Apple investors

The risk list is not short. The device could slip, and Nikkei Asia reported engineering setbacks earlier this year before Bloomberg reported that the September timeline still held. Memory and component costs are rising. And a $2,199 phone has never been tested at scale.

The rest of Wall Street is nowhere near this target. The average analyst price target on Apple sits at $338.99, according to TipRanks, which puts Redburn about 18% above the crowd.

Shares closed at $305.59 on Aug. 17, up roughly 13% year to date and down about 8% over the past month, according to CNBC. The stock is cheap relative to the bull case and expensive relative to a company whose next growth engine is still unannounced.

For anyone holding Apple into September, the number to watch is not the price target. It is the mix.

If the folding model sells 14 million units and pulls buyers up the price ladder rather than sideways, the earnings math works and the stock follows. If it sells 14 million units to people who would have bought a Pro Max anyway, Apple gets a very expensive halo product and a flat quarter.

There is a version of this where the skeptics are right and a folding iPhone turns into a $2,199 status object that a few million people buy once. There is another version where it does what the Apple Watch did, which is create a category that did not commercially exist and then own most of it.

The event is next month. The answer starts arriving in the December quarter.

More on Apple & its stock: 

History of Apple: Company timeline and facts

Who owns Apple? Institutional holdings & executives’ shares

Does Apple pay dividends? A history of rewarding shareholders

Apple’s stock split history: Everything you need to know

How many employees does Apple have? A deeper look at the tech giant’s workforce

Stocks are still having a relatively strong 2026, but the ride has been bumpy, particularly this summer, when the Nasdaq fell 10% from its peak to its low. The gyrations have gotten Jim Cramer’s attention, leading him to warn about a flood of IPOs fueled by year-to-date gains.

So far, the S&P 500, Dow Jones 30, and Nasdaq are up 12.6%, 11.2%, and 13.3%, respectively, in 2026, and investors clearly continue to have a huge appetite for new stocks. 

SpaceX’s blockbuster IPO on June 12 is a testament to that: Elon Musk’s business started trading after pricing the largest U.S. IPO ever at $135 a share, according to Reuters; a deal that yielded nearly $85.7 billion. OpenAI and Anthropic are also filing confidentially to go public, according to TechCrunch. 

However, that IPO optimism may have a downside that investors are overlooking.

In the August 19 Mad Money episode, veteran Wall Street pundit Jim Cramer, who has been tracking markets for nearly 40 years, argued that the renewed rush of companies into public markets might create a broader problem for stocks, drawing on lessons from earlier speculative booms.

Jim Cramer warns rising IPO activity could create pressure across stock marketNoam Galai/Getty Images

Cramer says IPO boom could hit broader market

Cramer is warning investors not to overlook a simple market force: supply.

He urged stock market investors to be “extra wary of the IPO cycle,” as a surge in new listings could initially appear to signal healthy risk appetite while creating pressure elsewhere in the market.

More Jim Cramer:

Jim Cramer has terrifying one-word message for tech stock investors

Jim Cramer says he’s steering clear of one popular stock

Jim Cramer reveals 4 surging chip stocks he likes best

“We get this deluge of new deals,” Cramer said. “At first, many of them explode higher.”

Looking at SpaceX’s example, the stock eventually skyrocketed to nearly $225.64 on June 16, roughly 67% above the IPO price, before pulling back per Yahoo Finance data.

That sort of initial enthusiasm can encourage a lot more businesses to go public. Every IPO also adds many more shares competing for the same pool of investor capital. 

As Cramer put it, new deals continue “flooding the market with new stock supply,” and that supply “ultimately drags us down.”

That effectively creates a major capital-allocation issue. 

When investors pour money into newly listed companies, they’ll need to pull money out of existing ones. Portfolio managers might potentially trim existing holdings to make a lot more room for hotter new names, creating a ton of pressure that can spread beyond the IPO market itself.

“The stock market is like any other market,” Cramer said. “It’s all about supply and demand. Too much supply and prices are going to be lower.”

Moreover, the bigger risk comes when things go awry.

Cramer said successful IPOs create a “palpable sense of exuberance”. However, once newer deals no longer attract the same enthusiasm, that excitement can reverse.

“When the deals start attracting less interest, the exuberance turns into hostility,” he said. “And then the whole market, not just the IPOs, tends to get slammed.”

Cramer pointed to 2020 and 2021, when hundreds of traditional IPOs and SPAC mergers bombarded the stock market, and to the dot-com era, when speculative fervor collided with excessive supply. 

According to Renaissance Capital, 397 traditional IPOs landed in 2021, the most in the past couple of decades, and more than double the roughly 178 annual average from 2014 through 2019. 

Cramer says investors are watching the wrong risks 

Beyond the IPO warning, Cramer made the broader point that investors tend to lose money, focusing too much on risks the market has already absorbed.

“When there’s a widely held consensus view about something, anything, be it positive or negative, you have to assume that view is already being discounted by the stock market,” he said. Once fear becomes universal, the likely damage is already reflected in the prices.

That’s a sentiment he also has for investors interpreting the economy, arguing that the pessimism is ill-founded because “two-thirds of our economy may be doing better,” as I covered in another piece

That’s why Cramer is encouraging investors to look for what the crowd might be missing.

Also read: Louis Navellier sets eye-opening Nvidia stock price target for rest of this year

“The real threat is the one that you don’t see coming,” he said. That implies that the consensus worries could still be real, but they might no longer be the most useful guide for positioning.

Moreover, Cramer extended that thinking to individual stocks, warning investors tend to mistake dramatic price action for fundamental information. 

A steep selloff could simply reflect overbought stocks cooling off, while a rally in a beaten-down name might be nothing more than an oversold bounce. 

According to him, the more useful signals are often counterintuitive. 

If a stock jumps following a downgrade, it might suggest bad news is already priced in. On the flip side, if a company reports a strong quarter and raises guidance but the shares fall, Wall Street might be signaling that earnings have peaked.

Cramer’s top stocks for investors to watch 

Cramer’s recent recommendations suggest he’s getting a lot more selective about where the fundementals actually justify the enthusiasm. 

Nvidia (NVDA) still remains the clearest example.

According to Cramer, who recently likened the stock to a macro indicator, Nvidia has repeatedly looked pricey based on forward estimates, only to “trump those estimates” so decisively that the stock later appeared cheap. 

He called that pattern effectively “the secret to NVIDIA literally since 2012.”

That fits his broader enthusiasm for AI infrastructure names, where he has consistently pointed to persistent data center demand.  

In August, Cramer said there was ample evidence that older Nvidia GPUs retained economic value, which added weight to his argument that mounting AI CapEx might not have a longer payoff period than the bears assume.

Among the AI hyperscalers, Amazon (AMZN) was a standout.

According to CNBC, Cramer praised CEO Andy Jassy for finally offering investors clarity on how it will monetize its enormous AI spending. Likewise, he remains constructive on Microsoft (MSFT) primarily due to Azure’s tremendous growth of late.

Another area Cramer urged investors to look at was beyond mega-cap tech, particularly cybersecurity. 

With AI creating a lot more complex threats, he pointed to companies like Palo Alto Networks (PANW) and CrowdStrike (CRWD) as major beneficiaries.

Another area he’s closely monitoring is healthcare. 

In early August, Cramer said Eli Lilly (LLY) and Johnson & Johnson (JNJ) had delivered healthy quarterly results and deserved to be scooped on the weakness, describing them as examples of innovative “non-tech tech” companies as reported by Yahoo Finance.

Related: Jim Cramer drops stunning take on the economy

Another Covid-like pandemic could happen, and cause tremendous disruption to oil and gas companies who provide much of the world’s fuel for cars and commercial trucks.

Dave Ramsey has been in the financial advice business long enough to know what the mistakes look like before they happen.

He’s watched the same ones repeat themselves across generations of people who thought they were prepared. Three of them show up almost every time, and they all happen in the years before retirement, not after.

He laid them out in a recent interview with Kiplinger. None of them is surprising. That’s kind of the point.

Debt is the retirement problem most people think they can manage later

The average debt burden for Americans aged 65 to 74 quadrupled between 1992 and 2022, reaching roughly $45,000, according to AARP citing Federal Reserve data.

For people 75 and older, it jumped sevenfold over the same period.

Ramsey’s read on why is pretty simple. “They hang onto debt. Especially mortgages and car payments. Then they assume they’ll just manage it in retirement,” he told Kiplinger. “The fix is simple. Attack that debt with intensity now, before you step into your golden years.”

The salary makes the payment feel manageable. The salary goes away. The payment stays. That gap is where most people run into trouble, and most people don’t feel it coming until it’s already arrived.

Paying down debt fast before retirement means picking a method and sticking to it.

The “avalanche” approach goes after the highest interest rate first and costs less over time. The “snowball” approach goes after the smallest balance first and tends to produce faster early wins.

Either one beats the alternative, which is carrying the debt into a fixed income and hoping it works itself out.

More Retirement:

Retirement Tech in 2026: AI, Operational Efficiency, and Better Participant Experience

George Kamel, Rachel Cruze warn about a mortgage retirement trap

Massachusetts retirement taxes explained

Consolidation is a third route. Roll several debts into one personal loan, and you get a single payment, potentially at a lower rate.

The catch is that it only works if two things happen: The new rate is actually better, and the person doesn’t turn around and run the balances back up. Consolidation reorganizes the debt. It doesn’t change why the debt existed in the first place.

Ramsey’s broader point on debt applies, regardless of the method. The urgency matters as much as the approach. Someone five years from retirement who still carries a mortgage, car payment, and credit card balances is not in the same position as someone who enters retirement debt-free. That difference shows up in the monthly budget every single month.

Retiring at 55 sounds great, until you do the actual math

About 18% of Americans surveyed by YouGov in 2024 said they planned to retire at or before 55, according to YouGov.

Ramsey’s response to that is direct. “Don’t retire until you’re truly ready.”

Medicare starts at 65. That’s just a fact. Retire at 55, and you have a 10-year gap to fill with private coverage that nobody is subsidizing anymore.

Depending on where you live and how healthy you are, that could be a few hundred dollars a month or significantly more. Add that to the portfolio math. Someone retiring at 55 who makes it to 90 needs 35 years of income from savings. Most people haven’t run that number. Most plans weren’t built around it.

There’s also what happens if retirement starts during a bad market. Selling investments to cover living expenses when prices are down locks in losses that are hard to recover from.

A cash cushion changes that equation. So does picking up some part-time work in the first couple of years — not a career, just enough to reduce how much gets pulled from the portfolio while it finds its footing.

Ramsey also points to the investment side of the equation. A portfolio that is too conservative loses purchasing power over a long retirement. Inflation compounds across 35 years in a way that eats into fixed income significantly.

But a portfolio that is too aggressive can suffer major losses at the worst possible time, right when withdrawals are starting and recovery time is limited.

The right balance depends on time horizon, spending needs, other income sources, and risk tolerance. There is no universal answer. What there is, universally, is the need to actually think it through rather than assume the portfolio will figure itself out.

Ramsey’s recommendation is to identify income sources that don’t depend on Social Security remaining exactly as currently structured.Jose/Getty Images

Social Security faces real funding problem, and most aren’t planning for it

The 2026 Social Security Trustees Report puts a specific date on the problem.

The Old-Age and Survivors Insurance trust fund is projected to deplete its reserves in the fourth quarter of 2032, according to the Social Security Administration. After that, if nothing changes, continuing income covers about 78% of scheduled benefits.

Ramsey has never been a fan of treating Social Security as a retirement plan. His position is that it wasn’t designed to be one. The funding projection gives him a more concrete version of the same argument.

A 22% cut to expected benefits isn’t a theoretical risk anymore. It’s what the actuaries are projecting if Congress doesn’t act. That number matters more for people who have built their entire retirement income plan around the full projected benefit.

Nobody is saying cut Social Security out of the plan. The point is to build around a number that might be lower than what’s currently scheduled. Think 401(k) withdrawals, pension income, some dividend income, maybe part-time work.

Whatever the combination is, the plan needs to survive a benefits cut without collapsing. Most people aren’t building to that standard. They’re building to whatever their current statement says and hoping the math holds.

Ramsey’s recommendation is to identify income sources that don’t depend on Social Security remaining exactly as currently structured. That means reviewing the plan now, not when the benefit changes are already in effect.

The thing all 3 retirement mistakes have in common

Each retirement mistake involves putting something off.

The debt that feels manageable right now. The retirement date that feels close enough to start planning for later. The Social Security benefit that assumes everything stays the same.

Ramsey’s point, consistent across all three, is that the window to fix these things is before retirement. After the paycheck stops, the options get smaller fast.

Most people know that. Most people still wait.

Related: Dave Ramsey sounds alarm on 401(k) risk

April Ross has been on a journey of winning as a player in both college and the Olympics and hopes to pass on her winning ways as the Head Beach Coach for USA Volleyball.

As companies scale, experience coherence erodes across teams and channels. Four anchors keep the customer experience recognizable over time.

Cracker Barrel’s CEO did not have awareness of what customers were afraid of losing, and that gap is what cost her the job.