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This article detailed that Avengers end game is the first ever movie to pass the 1 billion mark for a first deubt.

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'avengers: endgame' shatters records with $1.2 billion opening    - cnn

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'Avengers: Endgame' shatters records with $1.2 billion opening

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The Avengers assembled the biggest box office in film history, far surpassing multiple records on the books.

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This article examined the cannabis stock and highlighted that it is growing but can also be risky.

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cannabis stocks can be a lucrative — but risky — bet - cnn

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Cannabis stocks can be a lucrative - but risky - bet

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Dan Ahrens, manager of the AdvisorShares Pure Cannabis ETF, will be talking about his favorite marijuana stocks on the CNN Business Markets Now show. And Wharton professor Jeremy Siegel will be discussing the Fed.

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This article specified a few rules to take note of before investing in real estate.
- Would it be a good idea to invest in a property with someone else?

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Wealth Coach: Is it a good time to invest in real estate? Yes. Both residential and commercial properties could be good investments. Don't ignore REIT stocks either as a more affordable alternative.

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This article a few new drinks Starbucks will be adding to the menu permanently .
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Imagine if they could make a drink that tastes like watermelon.

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starbucks rolls out summer menu with a hot pink dragon drink - cnn

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Starbucks rolls out summer menu with a hot pink Dragon Drink

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Starbucks unveiled a summer menu that includes old favorites and a brand new hot pink Dragon Drink.

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This article exposes that buying a property with cash can damage your retirement savings.
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Would living mortgage free take more money away from you in the long run?

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The idea of living mortgage-free can be particularly enticing for individuals nearing retirement. At this time, it's also common for empty-nesters to consider selling the large family home in favor of a smaller property or condo that's easier to maintain. Homeowners who have lived in a house for a long time and now have a low mortgage balance or perhaps no mortgage at all may consider whether it's advantageous to buy a new property with sale proceeds in cash instead of getting a mortgage. Although pre-retirees may be hesitant to carry debt into retirement, the leverage can pay off.
Using leverage
Leverage is when your expected rate of return on your investment portfolio is greater than the interest rate for a loan. If you can borrow money for less than an amount you can reasonably expect to earn by investing the funds instead, then it makes sense to consider the loan. Of course, deciding whether to buy with cash or get a mortgage involves more than the spread between your expectations and the current interest rates, but it's a useful starting point.

Ultraconservative investors, buyers during periods of high interest rates, or individuals seeking variable rate mortgages may find it more difficult to make leverage work for them with any level of reasonable certainty.

Here's an example:

Assume that the Miller's, age 60, are selling their house for $700,000 and their mortgage payoff is $200,000. They're planning to buy a condo for $500,000 and put 20% down. The Miller's can get a 30-year fixed mortgage for 4.5% interest and their expected average annual return on their investments over the long-term is 6%. The couple plans to work through age 66.

If they obtain a mortgage, they'll make the mortgage payments out of their income while they're working. Without a mortgage, they'll invest the funds instead. If they retire with a mortgage, the Miller's will tap their investment account for the payments once they stop working.

The question is: should they get a mortgage or purchase the new home with the cash proceeds from the sale of their old house?

In this example, it's best to use leverage. Through the power of compounding, after 30 years, the Miller's investment account would be nearly $260,000 greater if they bought the home with a mortgage compared to if they paid for the condo in cash, excluding taxes.

It's helpful to note that many of the variables in this analysis are correlated. If the Miller's increased their purchase price, the benefits of getting a mortgage would also increase. However, if the spread between current mortgage interest rates and expected investment returns narrows, the benefits of getting a loan will shrink.
A complex analysis
Unless you're comparing a fixed mortgage to holding a 30-year bond, there are several key assumptions that homebuyers must make for the analysis. Since there's no way to know with certainty what will happen in the future, it's important to consider every aspect of the decision.

Here are some additional financial considerations:

Taxes. Homeownership has tax benefits and a mortgage plays a key role in realizing those benefits. Taxpayers who itemize their tax deductions can typically deduct mortgage interest on the first $750,000 of first or second home indebtedness, though there are other considerations following the 2017 tax reform legislation. This can be especially valuable for retirees who have lost many of their other options to reduce their taxable income (e.g., 401(k) contributions). Though tax implications are an important part of any financial decision, it's important not to let the tax tail wag the dog: the laws can change at any time.

Market volatility. Even if an investor realizes an average annual return of 6% (as assumed in the example above), the actual return will vary considerably from the average in any given year. The sequence in which the returns occur can have a dramatic impact on the outcome of the analysis. For example, in the Miller's case, if their rate of return was -4% in year one and 6% for the rest of the 30-year analysis, the benefit of getting a mortgage would be reduced to $56,000, down from $260,000! Similarly, if the market were to outperform the average return in the first year of the simulation, the relative advantage of getting a mortgage versus buying with cash would increase.

Adjustable rate mortgages. An ARM changes the analysis a bit as additional complexities and unknowns are introduced. An adjustable rate mortgage is usually most advantageous when homeowners don't plan to live in the house for much longer than the initial fixed period. In this situation, buyers will also need to consider the likelihood of remaining in the home longer than expected, how the rate increases are determined, and their expectations of future interest rates. Although the risk is increased, when an ARM is appropriate, it's a great example of using leverage.

Practical considerations when buying a home
Buyers may also face logistical challenges or the pressure of a competitive market. Especially for individuals who have lived in their home for a very long time, decluttering, downsizing, and moving can be quite a challenge. Unless you can negotiate a sale-leaseback, or manage to perfectly align both home closings, cash buyers may be forced to stay in a hotel or rent during the gap.

Getting a mortgage may make the transition easier for some buyers who already have a down payment and still qualify for their loan while carrying both homes, as they may be able to buy a new home before selling their old one. Convenience has a price though, and there's a risk the home won't sell as quickly or at the price you expected.

All cash offers are the preferred tool for buyers in competitive markets. If a mortgage is preferable but you're struggling to compete with noncontingent offers, one option might be to buy the new house or condo with the cash proceeds from the sale of your old home and apply for a loan after closing.

While buying or selling a home is an emotional decision, it's important not to let your personal feelings cloud your better judgement. Buying too much home or deciding to purchase with cash solely because you can could dampen your retirement lifestyle in the long run.

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Is It Better To Buy A Home With Cash Or A Mortgage?

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The idea of living mortgage-free can be particularly enticing for individuals nearing retirement. At this time, it's also common for empty-nesters to consider selling the large family home in favor of a smaller property or condo that's easier to maintain.

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This article exposed that the current business cycle could extend 5 more years due to declining credit growth rates.

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While some market forecasters still believe a recession could be looming for the United States soon, we believe the current economic and market cycle could extend for another five more years.

Business cycles typically end in one of two ways ̶ from a policy mistake or from excesses in the system. The possibility of a policy mistake is lower now than it was in 2018. Last year, fiscal stimulus drove U.S. economic growth to its highest level in years and that increased expectations of additional monetary tightening by the U.S. Federal Reserve. The U.S. economy, following a brief spurt above its historical trend growth rate, is now slowing back toward the trend rate. This development forced the Fed to back down from tightening and declare it may not raise rates again for several months.

We also think the concerns over growing excesses in the system are generally misplaced, and in most instances border on hyperbole. For example, the growth in credit tends to be a good indicator of the health and sustainability of the business cycle. Currently, credit growth is running at a rate that is only about a third of the "danger zone" rate that has historically presaged recessions.

We see six positive signs in the markets and economy that underlie our belief this cycle still has plenty of room to run:
1. By Historical Standards, This Bull Market Isn't Old
Some might say this bull market is getting long in the tooth, but by historical standards it isn't. Twice in the past century - in the '40s and '50s, and the '80s and '90s - there have been bull markets that lasted much longer. But even analyzing the staying power of a bull market by its length in years is wrong; the age of the cycle doesn't inform us about its health. Nonetheless, there is lingering concern about this cycle being among the longest on record, so it is worth addressing those concerns. The reality is that if you consider 10-year equity returns, on a monthly rolling basis, they didn't turn positive until the spring of 2011, or roughly eight years ago.

The length of the previous prolonged bull markets was 12 years and 18.6 years. In addition, the current advance is not as large as those two previous extended bull markets, and current valuations are lower than those reached in the peaks of those earlier markets.
2. Global Growth Is Expanding, Albeit at a Slower Pace
The slowdown is being driven primarily by the U.S. and Chinese economies. The U.S. is starting to feel the impact of last year's rate hikes, while the Chinese slowdown reflects the ongoing rebalancing of its economy to make it more consumer-oriented plus the adverse effects of the ongoing U.S./China trade war. Growth in the rest of the emerging world is relatively stable. The silver lining to the slow growth environment is a likely combination of global policies -including a more accommodative Fed and moderate stimulus from China - that potentially benefits the performance of risk assets. This environment helps financial markets more than 2018's conditions of strong growth and bad policy did.
3. Inflation Is Moderate and Stable
This business cycle, like all others, will ultimately end with a series of interest rate hikes by the world's major central banks. Fortunately, most major economies in the world are experiencing inflation rates in the range of their central bank's stated inflation target (Argentina and Turkey notwithstanding). For example, the annual core personal consumption expenditure rate, the Fed's preferred measure of inflation, has essentially undershot the Fed's perceived target since 2012.
4. Global Policy May Become More Supportive of Growth
The centrist voting members of the Federal Open Market Committee, excluding a few policymakers, backed off from additional tightening as global growth slowed down and inflation remained benign. The futures market, which had been pricing in additional rate hikes last year, suggests that the Fed is unlikely to raise rates in 2019.
5. No Credit Event on the Horizon
A search for excesses in the global financial system typically begins with an analysis of credit growth. Historically, recessions are preceded with annual credit growth of 10%-12% over a multi-year period. Over the past year, credit growth has been only 4.1% ̶ well below the 40-year historical average of 7.1%. In addition, while corporate liabilities have grown, balance sheets remain sound as evidenced by the ratio of corporate liabilities to corporate assets being near historical lows.

There is also little excess on household balance sheets. The ratio of household debt to personal income peaked in 2008, at the height of the financial crisis. At the time, mortgage debt was equal to 100% of household income. Since then, consumers have been paying down their debt, and debt levels are now more manageable. Currently, mortgage debt represents only 66% of personal income. However, automobile loans as a percent of personal income have held steady since 2008, and student loans have actually doubled since that time, but still represent only 9% of household income.
6. Valuations Are Improving
One upside to the late-2018, short-term market correction was that it made equity valuations more attractive. In the U.S., the price-to-earnings ratio of the S&P 500 stocks (looking at earnings on a 12-month trailing basis) is now back to historical averages. What's more, the spread between the earnings yield on stocks and the 10-year U.S. Treasury bond yield is now as wide as it has been since 2016, and before that, in 2013. That suggests how inexpensive stocks have become, and the cycle isn't likely to end when stocks are trading exceedingly cheap relative to bonds.

Even the once high-flying "FAANG" stocks - Facebook, Alphabet, Apple, Netflix, and Google ̶ have experienced significant declines in their valuations. But we don't think that will persist. We expect investors will once again be willing to pay up for growth, as they historically always have, in a growth-starved world.

We are optimistic that this cycle could be the longest cycle of our lives, but we're not naïve. We'll continue to watch for signs that could suggest the cycle ending.
For more on the current economic cycle, read the full paper Five More Years.
Mutual funds and exchange traded funds are subject to market risk and volatility. Shares may gain or lose value.

These views represent the opinions of OppenheimerFunds, Inc. and are not intended as investment advice or to predict or depict the performance of any investment. These views are as of the publication date, and are subject to change based on subsequent developments.

Shares of Oppenheimer funds are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency, and involve investment risks, including the possible loss of the principal amount invested.
Carefully consider fund investment objectives, risks, charges, and expenses. Visit oppenheimerfunds.com or call your advisor for a prospectus with this and other fund information. Read it carefully before investing.
OppenheimerFunds is not affiliated with Forbes.

©2019 OppenheimerFunds Distributor, Inc.

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While some market forecasters still believe a recession could be looming for the United States soon, we believe the current economic and market cycle could extend for another five more years. Business cycles typically end in one of two ways ̶ from a policy mistake or from excesses in the system.

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This article specified the questions you should be asking yourself to determine if you are financially well.

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As you've probably noticed, financial wellness is all the rage. According to one survey, about of large and mid-sized companies are now offering financial wellness programs as an employee benefit. But what exactly is "financial wellness" and are you financially well?

Financial wellness isn't just about your income, your net worth, or even your credit score. As one of the pioneers of the industry, we define it as a state of being in which you

experience minimal financial stress,

have a strong financial foundation of consistently living with your means, having an adequate emergency fund, and having little or no high-interest debt,

and are on track to meet your future financial goals.

If you're not fortunate enough to work for one of the growing number of companies that are now offering financial wellness programs that provide a free and comprehensive assessment of your financial wellness, here's how you can quickly assess how you stack up:

How financially stressed are you? This is an easy place to start. If you're stressed about being able to pay the bills or feel overwhelmed with debt, you're probably not financially well. This stress can even your physical wellness and job performance.

Are you consistently living within your means? This is the foundation for the rest of your financial wellness. Living beyond your means can lead to growing debt while living below your means can provide the savings needed to meet your goals.

Don't just estimate your expenses. Instead, go through your actual bank and credit card statements and record your expenses on a worksheet like . (You may not know what you spent with cash but at least include whatever you withdrew.) You can also add in big non-monthly expenses like vacations and holidays by dividing how much you spend per year by 12 in order to turn it into a monthly amount. After you recover from the shock of seeing where your money is going, compare it to how much you're taking home each month.

How much do you have in emergency savings? At the very least, an adequate emergency fund can reduce your financial stress. At best, it can keep you from going in debt or even losing your home.

Once you know how much you spend, you ideally want enough savings to keep your roof over your head, your car in the driveway, food on the table, and the lights on if you're in between jobs for at least 3-6 months. (If your job is high-risk and/or you think it may take longer to find a new one, you might even want enough savings to cover 6-12 months of necessary expenses.) If you're not there yet, start with a more achievable goal like $1-2k in savings and build from there. Finally, keep in mind that your emergency fund should be kept someplace safe and easily accessible like a bank account or money market fund, not invested in something that may be down in value or otherwise inaccessible when you need it.

How much and what type of debt do you have? This is one of the biggest sources of stress and can be a huge obstacle to achieving your goals. When it comes to high-interest debt like credit cards and personal loans, the less the better. This debt can hurt your credit score and you can probably save more in interest by paying it down than you're likely to earn by investing the extra money instead.

Not all debt is equal though. Low interest debt like most mortgages and even many student loans can be considered "good debt" if they're used to purchase an asset that appreciates like a home or can produce income like an education. This type of debt also typically has a low enough interest rate where it can make more sense to invest extra money rather than pay the debt down early.

Are you on track to meet your future financial goals? People don't plan to fail. They just fail to plan. After all, we tend to overestimate how much we can achieve in the short run and underestimate what we can achieve in the long run. That means you may be surprised by how much of an impact small changes now can have over your long term progress.

The most common long term goal is retirement and your best bet is to run a retirement calculator like to see if you're on track to hitting your goals. To be on the safe side, you may want to use conservative assumptions like an income replacement target (how much of your current income you'll need in retirement) of at least 80%, a life expectancy of 90 or above (about half the people will live longer than average), an inflation rate of 3%, and an average annualized investment return of no more than 4-6%. You can also use this calculator to see if you're saving enough for other goals like a down payment on a home or education expenses. Just be sure to prioritize retirement over education saving. After all, there's no financial aid for retirement.

If your financial wellness is not where you'd like it to be, you might want to consult with a qualified and unbiased financial professional who can help you put together a plan to improve your financial wellness. (Even if you're financially well, you may also want to get a more thorough analysis by a professional that includes things like insurance coverage, credit score, estate planning, taxes, and your investment portfolio.) If you're really fortunate, you may even work for one of those companies with a financial wellness program that offers this service for free. Now do you see why it's all the rage?

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How To Quickly Assess Your Financial Wellness

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If you're not fortunate enough to work for one of the growing number of companies that are now offering financial wellness programs that provide a free and comprehensive assessment of your financial wellness, here's how you can quickly assess how you stack up:

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This article detailed that a new bill might be added limiting the benefits in the stretch IRA'S.
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Would this only affect people who are retiring ?

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There's long been a group in Congress determined to end the Stretch IRA, and this year they might have their way.

The Stretch IRA is not a particular type of IRA comparable to a Roth IRA or SEP IRA. Instead, a Stretch IRA is a group of strategies applied to a traditional IRA or Roth IRA when it is inherited. By managing the inherited IRA properly and taking advantage of tax code provisions, the beneficiary can continue the tax-deferred compounding of the IRA for years, even decades.

In the past few years many in Washington targeted the Stretch IRA. The Obama administration called for an end to this valuable estate planning tool in its annual budgets. A bipartisan group in Congress agreed. They weren't able to enact their wishes into law, but it appears that group is growing.

Their latest vehicles are two retirement bills working their way through Congress. The version in the House of Representatives is called "Setting Every Community Up for Retirement Enhancement" (the SECURE Act). The Senate version is titled "Retirement Enhancement and Savings Act" (RESA).

The bills have a number of provisions, many beneficial to retirees and pre-retirees.

One goal is to give more workers, especially small business employees, access to employer retirement plans. Small businesses would receive a credit of up to $500 annually to defray the start up costs of some retirement plans. Also, long-time part-time workers would be allowed to contribute to their employers' plans.

Groups of unrelated employers would be allowed to band together to offer retirement plans to their employees, known as multiemployer plans. This should make the plans less expensive so more small employers can offer them. Currently, employers must have a common bond, such as being in the same industry, to form a multiemployer plan.

IRA owners would receive two key benefits under the bills.

Deductible IRA contributions could be made after age 70½. Currently, only Roth IRA contributions and nondeductible IRA contributions can be made after age 70½.

Also, required minimum distributions wouldn't begin until age 72 for most individuals, instead of the current 70½.

But Congress has to find a way to pay for these benefits. The main way to pay for them in the bills is to sharply curtail the Stretch IRA.

The Senate and House bills have different limits on the Stretch IRA. The House would require beneficiaries to fully distribute inherited IRAs within 10 years. There would be exceptions for surviving spouses and minor children. The Senate version would allow the full Stretch IRA but only for the first $450,000 per IRA owner. The rest of an inherited IRA would have to be distributed to the beneficiary and taxed within five years.

A version of the two bills is expected to become law, probably this year. The basics of the bills have strong support in both parties, and the House version already has made it through committee and could be voted by the full House soon.

It's too early to know which limit on the Stretch IRA will be enacted. It's even possible neither will. Early versions of the Tax Cuts and Jobs Act enacted in 2017 would have eliminated the Stretch IRA, but it was dropped from the final bill. Congress has changed since 2017. For the provisions to be dropped again, Congress would have to find another way to raise revenue to pay for the benefits in the bills.

Many members of Congress have been following the growing retirement plan balances of the Baby Boomers for decades. Federal budget planning anticipates this money being distributed from the plans in the coming years and boosting federal tax revenue. The attack on the Stretch IRA is to ensure the federal government receives taxes on IRA balances soon after the Baby Boomers' lifetimes. Many in Congress don't want that money left in IRAs to be trickled out over the lifetimes of the Boomers' children.

The Stretch IRA remains a viable and valuable estate planning tool. But it seems inevitable Congress will end or curtail it at some point. IRA owners might want to consider alternatives that provide benefits similar to the Stretch IRA, such as using their IRA balances to set up charitable remainder trusts, purchase life insurance, or other strategies I'll discuss in a future post.

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There's long been a group in Congress determined to end the Stretch IRA, and this year they might have their way. The Stretch IRA is not a particular type of IRA comparable to a Roth IRA or SEP IRA. Instead, a Stretch IRA is a group of strategies applied to a traditional IRA or Roth IRA when it is inherited.

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This article detailed the importance of filing your taxes correctly because many Americans were confused and incorrect amounts can be withheld.
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Would an employer benefit from the wrong amounts being taken out an employees paycheck?

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Now that tax filing season has ended for most Americans, there is one step many might want to consider taking to prepare for next April.

This year was the first filing under the Tax Cuts and Jobs Act, which - along with new withholding tables - left some Americans confused about their refunds.

The average refund as of April 19 was $2,725. That is down 2.0 percent when compared with last year, when the average check was $2,780. The IRS doled out 95.7 million checks, but paid 1.7 percent, or about $4.4 billion, less in total refund dollars.

Some people voiced frustration regarding the size of their refunds this year, saying their checks shrank, while others even owed the IRS for the first time.

Nearly one in five, or 18 percent, of Americans owed additional money to cover their 2018 tax bill - 32 percent of whom said they received a refund last year.

Many taxpayers failed to check and adjust their withholding amounts, which caused at least some of the confusion. The IRS and Treasury Department repeatedly urged workers to do so throughout the year.

For those hoping to avoid an April tax surprise next year, the IRS has already begun encouraging people to check what is being withheld each week from their paychecks.

Additionally, it could be wise to get those finances in line now considering more potential issues could be on the way as the agency prepares to release a new W-4 form in time for next year's filing season, which is expected to be more detailed than its current counterpart. The agency is hoping to get a more accurate read on what should be withheld from workers' paychecks. If filled out incorrectly, however, workers could again be faced with a scenario where they are having incorrect amounts withheld.
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It is worth noting that lower refunds indicate you did not overpay taxes during the year. Owing the IRS means you underpaid your tax obligations.

As a result of the new tax law, about 80 percent of filers were expected to see a net tax benefit. However, that could be reflected in higher take home pay instead of a large refund from the IRS.

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The key 2020 tax step you should take now

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Now that tax filing season has ended for most Americans, there is one step many might want to consider taking to prepare for next April. This year was the first filing under the Tax Cuts and Jobs Act, which - along with new withholding tables - left some Americans confused about their refunds.

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This article examined the correlation between the city you live in and the living space you can afford on a median income.
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Imagine if rent was the same all over the country.

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You may make the big bucks in the big city, but that doesn't necessarily mean your pad is going to reflect that.

When it comes to finding the perfect spacious apartment, you have to take into account both your location and annual salary. And in some cities, such as New York City, Boston or Los Angeles, you may just have to accept that you'll always feel a little cramped.

In order to give renters a better idea of what kind of spaces they can actually afford, real estate website RENTCafé teamed up with commercial real estate research platform Yardi Matrix to analyze 100 of the most populous cities in the U.S.

"We looked at the median monthly renter household income from the U.S. Census Bureau and the average rent from Yardi Matrix," RENTCafé explained in a blog post, adding the site adjusted inflation to reflect 2019 values. "Based on the median monthly income in each city, [we show you] the maximum square feet you can get if you were to spend no more than 30% of your income on rent."

The real estate site then displayed the U.S. cities in an interactive infographic that shows which locations give you the most bang for your buck.

Per the data, Gilbert, Arizona, came out on top with 1,174 square feet and Brooklyn, New York, came in dead last - with Manhattan not too far behind - at just 265 square feet based on a median income. Boston was just one square foot above (266) Brooklyn.

Plano, Texas, and Virginia Beach, Virginia, were also touted as desirable places to live if you want decent space for your dollars. Each offer around 1,100 square feet for your median salary.

Overall, RENTCafé said it found the major metropolitan cities that boast about having the best job opportunities typically offer the smallest spaces.
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"In Manhattan, Brooklyn, and Boston, if you were to limit your spending to 30% of your income on rent, you'd have to live in less than 300 square feet of space. Meanwhile, in Los Angeles, you could rent 333 square feet," RENTCafé explained.

Of the 100 U.S. cities examined, RENTCafé found only 14 offered a "comfortable life while living within your means."

1. Gilbert, Arizona

2. Plano, Texas

3. Wichita, Kansas

4. Tulsa, Oklahoma

5. Chandler, Arizona

6. Oklahoma City, Oklahoma

7. Virginia Beach, Virginia

8. North Las Vegas, Nevada

9. Irving, Texas

10. Paradise, Nevada

11. Arlington, Virginia

12. Fremont, California

13. Henderson, Nevada

14. Bakersfield, California

It's perhaps even more daunting to consider what you'd get when buying a home. According to 2018 research conducted by Freddie Mac, 78 percent of renters believe it's more affordable to continue renting than to own a property.

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Here's how many square feet you can afford to rent on a median income in these popular US cities

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You may make the big bucks in the big city, but that doesn't necessarily mean your pad is going to reflect that. When it comes to finding the perfect spacious apartment, you have to take into account both your location and annual salary.

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This article explained that the percent in new businesses has declined over the years. Millennials face financials constraints killing the entrepreneurship push.

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The role of entrepreneurship in spurring economic growth has long been recognized. Unfortunately, America seems to be losing its entrepreneurial verve, and millennials may be at least partly to blame.

According to government data, new businesses made up 14 percent of all new establishments in the United States in the 1980s, but fell to under 10 percent by the 2010s. At the same time, new firms have gotten smaller, creating just 4.4 jobs per firm on average today compared to 7.1 in earlier decades.

Even more alarming: "deaths" now outnumber "births." Our business sector is shrinking because fewer people start companies.

These trends are troubling. Analysis from the Ewing Marion Kauffman Foundation, drawing on academic research, suggests that "new businesses account for nearly all net new job creation and almost 20 percent of gross job creation." Without a healthy and robust business startup community, our long-term economic health will suffer.

To be sure, not everyone is cut out to be an entrepreneur. The entrepreneurs driving the startup economy are an elite group, just 0.3 percent of the adult population. They also tend to be immigrants, who now start new businesses at double the rate of native-born Americans. Increasingly they are Latinos and Hispanics, who make up the fastest-growing segment of new entrepreneurs.

Millennials MIA

Millennials, however, appear to be missing in action. Using data from the U.S. Census, Kauffman Foundation research reveals that 20-to 34-year-olds start businesses at lower rates than older cohorts did in 1996 and haven't appeared to catch the entrepreneurial bug as other generations did. In fact, their startup rates have declined.

By 2017, the rate of millennials starting businesses had fallen to just 0.24 percent compared to 0.35 percent or higher for Generation X and Baby Boomers. Overall, 18-to 34-year-olds made up only 25 percent of new entrepreneurs in 2017 compared to 34.3 percent in 1996.

Granted, entrepreneurship is difficult. Harvard Business School lecturer Shikhar Ghosh estimates that as many as 75 percent of startups fail within five years. One-third of "high potential" startups go out of business.

Given the uncertainties, a large volume of new companies is crucial to keeping this sector vibrant. This makes the tepid interest in entrepreneurship among younger generations even more troubling. The combined effect of fewer new business startups and fewer millennials contributing to entrepreneurship bodes poorly for U.S. economic growth or the vibrance of the nation's market-based economy.

Colleges and universities have responded by offering more than 500 entrepreneurship programs at undergraduate and graduate levels, a five-fold increase from the 1970s. Some universities, such as Florida State and Drexel, have established stand-alone schools.

Longer-term solution

But formal schooling probably isn't enough. A longer-term solution must pay close attention to the values and concerns of millennials themselves, as well as their financial constraints.

Research finds that millennials desire more than a paycheck. They want to see their efforts serve a higher calling. When given a choice between working at one of Warren Buffett's portfolio companies (profitable but business-as-usual) or a company that is both profitable and socially innovative, they favor the latter.

Examples are not hard to find. Whole Foods started out in a small store in Austin, Texas, in 1980, but became a global brand by shifting people's food preferences to healthier options. Similarly, Uber revolutionized personal travel when co-founder Travis Kalanick wanted to reduce the cost of transportation. The company hired its first employee in 2010 and now employs 10,000 full-time nondriver workers.

Companies that reframe the entrepreneurial calling can inspire younger generations. So why haven't they generated a wave of youthful entrepreneurs?

One reason is that millennials face major financial constraints. According to the Institute for College Access & Success, two-thirds graduate with college debt averaging nearly $30,000 per year. Not surprisingly, their need for a steady income outweighs the risk of starting up a new venture, whatever the satisfaction. Finding ways to lower the barriers will be important for reinvigorating the entrepreneurial spirit.
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Millennial entrepreneurs have a critical role to play in the long-term health of the U.S. economy. Unfortunately, right now they are MIA. Helping them get onto the startup field will better ensure their prosperity and well-being-and ours.
Samuel R. Staley is director of the DeVoe Moore Center at Florida State University, teaches senior seminars in social entrepreneurship, and is a research fellow at the Independent Institute.

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Millennials MIA among U.S. entrepreneur class: Why it really matters

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The role of entrepreneurship in spurring economic growth has long been recognized. Unfortunately, America seems to be losing its entrepreneurial verve, and millennials may be at least partly to blame. According to government data, new businesses made up 14 percent of all new establishments in the United States in the 1980s, but fell to under 10 percent by the 2010s.

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The article exposed every cost  for the necessities for raising a child, Including day care, housing, healthcare, clothing and more.

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The cheapest and most expensive states to raise a kid

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Infant day care in Hawaii could cost up to $13,000 a year compared to Mississippi’s at $5,000.

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2 Forbes Business
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