Deprecated: Hook jetpack_pre_connection_prompt_helpers is deprecated since version jetpack-13.2.0 with no alternative available. in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php on line 6078

Warning: Cannot modify header information - headers already sent by (output started at /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php:6078) in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/rest-api/class-wp-rest-server.php on line 1831

Warning: Cannot modify header information - headers already sent by (output started at /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php:6078) in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/rest-api/class-wp-rest-server.php on line 1831

Warning: Cannot modify header information - headers already sent by (output started at /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php:6078) in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/rest-api/class-wp-rest-server.php on line 1831

Warning: Cannot modify header information - headers already sent by (output started at /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php:6078) in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/rest-api/class-wp-rest-server.php on line 1831

Warning: Cannot modify header information - headers already sent by (output started at /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php:6078) in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/rest-api/class-wp-rest-server.php on line 1831

Warning: Cannot modify header information - headers already sent by (output started at /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php:6078) in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/rest-api/class-wp-rest-server.php on line 1831

Warning: Cannot modify header information - headers already sent by (output started at /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php:6078) in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/rest-api/class-wp-rest-server.php on line 1831

Warning: Cannot modify header information - headers already sent by (output started at /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/functions.php:6078) in /hermes/bosnacweb04/bosnacweb04ay/b1602/nf.whysel/public_html/decisionfish.com/wp-includes/rest-api/class-wp-rest-server.php on line 1831
{"id":4358,"date":"2019-02-26T08:39:46","date_gmt":"2019-02-26T13:39:46","guid":{"rendered":"http:\/\/www.decisionfish.com\/?p=4358"},"modified":"2022-07-31T19:48:50","modified_gmt":"2022-07-31T23:48:50","slug":"on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way","status":"publish","type":"post","link":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/","title":{"rendered":"Why 100 Million Americans Are Financially Stressed"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">&#8230;and Will Likely Stay That Way<\/h3>\n\n\n\n<p>In January 2016 I founded&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.decisionfish.com\/\" target=\"_blank\">a tech start-up<\/a>&nbsp;help Americans make better financial decisions. I&#8217;ve since learned that most people are stressed out because they save little, have enormous debt, don\u2019t know where their money goes and feel they\u2019re not on track to meeting their long-term goals. I also found that the reasons for this are so deeply embedded in the political, economic, educational, behavioral and social fabric of our country; that our start-up, and perhaps any private-sector business, is unlikely to move the needle. I fear that, absent significant increases government education, regulation and stronger social safety net, we will see millennials eventually become a generation of seniors living in poverty.<\/p>\n\n\n\n<p>My original idea was an app to help new home shoppers decide how much they could afford to spend on their home. My own experience was that banks were willing to lend me much more than I was comfortable with. So, I created a prototype that calculated a maximum recommended purchase price that still allowed the user to save ten percent of their income, after paying debt service. In testing, feedback was favorable, but users said they actually would prefer a more holistic tool that would 1) help them save for retirement; 2) guide them in budgeting and 3) invest well, along with a long list of other financial decisions.<\/p>\n\n\n\n<p>So I gathered a small team and built a holistic life cycle model in Excel and&nbsp;<a href=\"https:\/\/www.decisionfish.com\/app\" target=\"_blank\" rel=\"noreferrer noopener\">web-app<\/a>&nbsp;that helps people with life planning, saving and budgeting at scale and low cost. In our user testing of many prototypes, we learned that people in general are:<\/p>\n\n\n\n<ul><li>Much more concerned with the present than the future and so resist setting spending limits, in part because they don\u2019t empathize with their future selves<\/li><li>Loath to make any investment that could lose money or set aside money for savings at the start of the budgeting process<\/li><li>Too distracted by the overwhelming stresses, distractions and noise of daily, modern life to focus on planning and making important life decisions<\/li><li>Mistrustful of financial institutions, financial technology firms and prior generations that brought them the financial crisis, climate change and a polarized, low-trust society<\/li><\/ul>\n\n\n\n<p>As a result, we found it very challenging and expensive to attract individuals to our web-application and complete the program. People seem to need external support and incentives. So, we pivoted to offering the tool and financial wellness workshops to businesses as an employee benefit. We reasoned that employers, even if they didn\u2019t think themselves morally obligated to support their employees\u2019 financial wellness, would do so based on&nbsp;<a href=\"https:\/\/www.decisionfish.com\/how-to-respond-when-an-employee-asks-hey-boss-can-you-lend-me-4000\/\" target=\"_blank\" rel=\"noreferrer noopener\">enlightened self-interest<\/a>. After all, if employees are stressed out and distracted by personal finances, they may be less engaged, less productive, less loyal, consume more health care and maybe even steal more pencils.<\/p>\n\n\n\n<p>Turns out that HR managers, being human, have the same challenges that individuals do. In general, they:<\/p>\n\n\n\n<ul><li>Are (reasonably) more concerned with today\u2019s priorities; employee financial wellness just isn\u2019t an urgent matter in most cases<\/li><li>Are simply not aware of any financial distress among their employees, notwithstanding the awful,&nbsp;<a href=\"https:\/\/www.decisionfish.com\/how-to-respond-when-an-employee-asks-hey-boss-can-you-lend-me-4000\/\" target=\"_blank\" rel=\"noreferrer noopener\">national statistics<\/a>. This is may be due to the taboo over talking authentically about money<\/li><li>Lack the bandwidth and risk-tolerance to co-create a financial wellness solution with a start-up<\/li><li>Are generally in exploratory mode and not even close to buying a solution<\/li><\/ul>\n\n\n\n<p>Our third pivot was to lenders, banks, credit counseling agencies for whom financial wellness is integral to their business. There too, we found high hurdles:<\/p>\n\n\n\n<ul><li>Credit counselors focus on folks with low incomes and are literally paid to physically sit down with people to offer short-term counseling. Longer-term financial wellness is just not part of the business model (yet)<\/li><li>Some banks are offering budgeting tools but actual financial education is generally limited to classroom events because a more fulsome offering does not help them meet&nbsp;<a href=\"https:\/\/www.aba.com\/archive\/Pages\/CRA_financialed.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">their regulatory requirements<\/a>&nbsp;or generate more revenue. In fact, it could jeopardize&nbsp;<a href=\"https:\/\/abcnews.go.com\/Business\/banks-reap-profits-overdraft-fees-consumers-lose\/story?id=19373572\" target=\"_blank\" rel=\"noreferrer noopener\">profitable overdraft fees<\/a>.<\/li><li>Small dollar lenders too pay lip service to customer education but have limited bandwidth and a built-in conflict since consumers in debt is what keeps their lights on<\/li><\/ul>\n\n\n\n<p>If individuals and businesses are not prepared to address the financial health crises, that leaves nonprofits and government. However, the&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.charitynavigator.org\/index.cfm?keyword_list=financial+wellness&amp;bay=search.results\" target=\"_blank\">former lack scale<\/a>&nbsp;and the latter is&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/apnews.com\/2a095cc99a07432aba3f62bfb6bfe47d\" target=\"_blank\">tilting towards deregulation<\/a>.<\/p>\n\n\n\n<p>Today, our original vision seems hopelessly na\u00efve. The silver lining is we can now appreciate the scale and structure of the financial wellness crisis and support policies and politicians who will address the root causes: insufficient education, weak consumer protection and regulation; too many choices without appropriate tools to make good decisions; a system full of conflicts of interest, misinformation and lack of transparency.<\/p>\n\n\n\n<p><em>This&nbsp;article&nbsp;originally&nbsp;appeared&nbsp;on&nbsp;February&nbsp;12,&nbsp;2019&nbsp;on&nbsp;<a href=\"https:\/\/www.forbes.com\/sites\/brettwhysel\/2019\/02\/12\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#70bce6a61b00\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Forbes.com (opens in a new tab)\">Forbes.com<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8230;and Will Likely Stay That Way In January 2016 I founded&nbsp;a tech start-up&nbsp;help Americans make better financial decisions. I&#8217;ve since learned that most people are stressed out because they save little, have enormous debt, don\u2019t know where their money goes and feel they\u2019re not on track to meeting their long-term goals. I also found that &#8230; <a title=\"Why 100 Million Americans Are Financially Stressed\" class=\"read-more\" href=\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/\" aria-label=\"More on Why 100 Million Americans Are Financially Stressed\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":4364,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[115,102,114],"tags":[76,162,161,163,123,160,136,60,152],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why 100 Million Americans Are Financially Stressed &#8211; Decision Fish: Decide For Yourself<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why 100 Million Americans Are Financially Stressed &#8211; Decision Fish: Decide For Yourself\" \/>\n<meta property=\"og:description\" content=\"&#8230;and Will Likely Stay That Way In January 2016 I founded&nbsp;a tech start-up&nbsp;help Americans make better financial decisions. I&#8217;ve since learned that most people are stressed out because they save little, have enormous debt, don\u2019t know where their money goes and feel they\u2019re not on track to meeting their long-term goals. I also found that ... Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/\" \/>\n<meta property=\"og:site_name\" content=\"Decision Fish: Decide For Yourself\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/facebook.com\/decisionfish\" \/>\n<meta property=\"article:published_time\" content=\"2019-02-26T13:39:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-31T23:48:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.decisionfish.com\/wp-content\/uploads\/2019\/02\/EC9085DA-BE35-4818-8C19-BF9B5DA7398C.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1598\" \/>\n\t<meta property=\"og:image:height\" content=\"1070\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Brett F. Whysel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@decisionfish\" \/>\n<meta name=\"twitter:site\" content=\"@decisionfish\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brett F. Whysel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/\"},\"author\":{\"name\":\"Brett F. Whysel\",\"@id\":\"https:\/\/www.decisionfish.com\/#\/schema\/person\/0a075e3343f391e867cedae5e6d87c07\"},\"headline\":\"Why 100 Million Americans Are Financially Stressed\",\"datePublished\":\"2019-02-26T13:39:46+00:00\",\"dateModified\":\"2022-07-31T23:48:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/\"},\"wordCount\":818,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.decisionfish.com\/#organization\"},\"keywords\":[\"app\",\"banking\",\"credit counseling\",\"employees\",\"financial wellness\",\"HR\",\"LMI\",\"policy\",\"stress\"],\"articleSection\":[\"Behavioral Economics\",\"Financial Wellness\",\"Personal Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/\",\"url\":\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/\",\"name\":\"Why 100 Million Americans Are Financially Stressed &#8211; Decision Fish: Decide For Yourself\",\"isPartOf\":{\"@id\":\"https:\/\/www.decisionfish.com\/#website\"},\"datePublished\":\"2019-02-26T13:39:46+00:00\",\"dateModified\":\"2022-07-31T23:48:50+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.decisionfish.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why 100 Million Americans Are Financially Stressed\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.decisionfish.com\/#website\",\"url\":\"https:\/\/www.decisionfish.com\/\",\"name\":\"Decision Fish: Decide For Yourself\",\"description\":\"Decision Fish: Decide For Yourself\",\"publisher\":{\"@id\":\"https:\/\/www.decisionfish.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.decisionfish.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.decisionfish.com\/#organization\",\"name\":\"Decision Fish LLC\",\"url\":\"https:\/\/www.decisionfish.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.decisionfish.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2016\/02\/logo-final-vrcopy-page-large-e1455550951300.jpg?fit=1493%2C939\",\"contentUrl\":\"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2016\/02\/logo-final-vrcopy-page-large-e1455550951300.jpg?fit=1493%2C939\",\"width\":1493,\"height\":939,\"caption\":\"Decision Fish LLC\"},\"image\":{\"@id\":\"https:\/\/www.decisionfish.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"http:\/\/facebook.com\/decisionfish\",\"https:\/\/twitter.com\/decisionfish\",\"https:\/\/www.linkedin.com\/company\/decision-fish-llc\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.decisionfish.com\/#\/schema\/person\/0a075e3343f391e867cedae5e6d87c07\",\"name\":\"Brett F. Whysel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.decisionfish.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/16655ec39b53e81534a7b9c3f75eb4c8?s=96&d=monsterid&r=pg\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/16655ec39b53e81534a7b9c3f75eb4c8?s=96&d=monsterid&r=pg\",\"caption\":\"Brett F. Whysel\"},\"sameAs\":[\"http:\/\/www.decisionfish.com\"],\"url\":\"https:\/\/www.decisionfish.com\/author\/bwhysel\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why 100 Million Americans Are Financially Stressed &#8211; Decision Fish: Decide For Yourself","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/","og_locale":"en_US","og_type":"article","og_title":"Why 100 Million Americans Are Financially Stressed &#8211; Decision Fish: Decide For Yourself","og_description":"&#8230;and Will Likely Stay That Way In January 2016 I founded&nbsp;a tech start-up&nbsp;help Americans make better financial decisions. I&#8217;ve since learned that most people are stressed out because they save little, have enormous debt, don\u2019t know where their money goes and feel they\u2019re not on track to meeting their long-term goals. I also found that ... Read more","og_url":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/","og_site_name":"Decision Fish: Decide For Yourself","article_publisher":"http:\/\/facebook.com\/decisionfish","article_published_time":"2019-02-26T13:39:46+00:00","article_modified_time":"2022-07-31T23:48:50+00:00","og_image":[{"width":1598,"height":1070,"url":"https:\/\/www.decisionfish.com\/wp-content\/uploads\/2019\/02\/EC9085DA-BE35-4818-8C19-BF9B5DA7398C.jpeg","type":"image\/jpeg"}],"author":"Brett F. Whysel","twitter_card":"summary_large_image","twitter_creator":"@decisionfish","twitter_site":"@decisionfish","twitter_misc":{"Written by":"Brett F. Whysel","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#article","isPartOf":{"@id":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/"},"author":{"name":"Brett F. Whysel","@id":"https:\/\/www.decisionfish.com\/#\/schema\/person\/0a075e3343f391e867cedae5e6d87c07"},"headline":"Why 100 Million Americans Are Financially Stressed","datePublished":"2019-02-26T13:39:46+00:00","dateModified":"2022-07-31T23:48:50+00:00","mainEntityOfPage":{"@id":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/"},"wordCount":818,"commentCount":0,"publisher":{"@id":"https:\/\/www.decisionfish.com\/#organization"},"keywords":["app","banking","credit counseling","employees","financial wellness","HR","LMI","policy","stress"],"articleSection":["Behavioral Economics","Financial Wellness","Personal Finance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/","url":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/","name":"Why 100 Million Americans Are Financially Stressed &#8211; Decision Fish: Decide For Yourself","isPartOf":{"@id":"https:\/\/www.decisionfish.com\/#website"},"datePublished":"2019-02-26T13:39:46+00:00","dateModified":"2022-07-31T23:48:50+00:00","breadcrumb":{"@id":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.decisionfish.com\/on-why-100-million-americans-are-financially-stressed-and-will-likely-stay-that-way\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.decisionfish.com\/"},{"@type":"ListItem","position":2,"name":"Why 100 Million Americans Are Financially Stressed"}]},{"@type":"WebSite","@id":"https:\/\/www.decisionfish.com\/#website","url":"https:\/\/www.decisionfish.com\/","name":"Decision Fish: Decide For Yourself","description":"Decision Fish: Decide For Yourself","publisher":{"@id":"https:\/\/www.decisionfish.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.decisionfish.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.decisionfish.com\/#organization","name":"Decision Fish LLC","url":"https:\/\/www.decisionfish.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.decisionfish.com\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2016\/02\/logo-final-vrcopy-page-large-e1455550951300.jpg?fit=1493%2C939","contentUrl":"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2016\/02\/logo-final-vrcopy-page-large-e1455550951300.jpg?fit=1493%2C939","width":1493,"height":939,"caption":"Decision Fish LLC"},"image":{"@id":"https:\/\/www.decisionfish.com\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/facebook.com\/decisionfish","https:\/\/twitter.com\/decisionfish","https:\/\/www.linkedin.com\/company\/decision-fish-llc\/"]},{"@type":"Person","@id":"https:\/\/www.decisionfish.com\/#\/schema\/person\/0a075e3343f391e867cedae5e6d87c07","name":"Brett F. Whysel","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.decisionfish.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/16655ec39b53e81534a7b9c3f75eb4c8?s=96&d=monsterid&r=pg","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/16655ec39b53e81534a7b9c3f75eb4c8?s=96&d=monsterid&r=pg","caption":"Brett F. Whysel"},"sameAs":["http:\/\/www.decisionfish.com"],"url":"https:\/\/www.decisionfish.com\/author\/bwhysel\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.decisionfish.com\/wp-content\/uploads\/2019\/02\/EC9085DA-BE35-4818-8C19-BF9B5DA7398C.jpeg?fit=1598%2C1070&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p6OLLM-18i","_links":{"self":[{"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/posts\/4358"}],"collection":[{"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/comments?post=4358"}],"version-history":[{"count":9,"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/posts\/4358\/revisions"}],"predecessor-version":[{"id":12641,"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/posts\/4358\/revisions\/12641"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/media\/4364"}],"wp:attachment":[{"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/media?parent=4358"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/categories?post=4358"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.decisionfish.com\/wp-json\/wp\/v2\/tags?post=4358"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}