{"id":24658,"date":"2026-04-28T16:08:02","date_gmt":"2026-04-28T16:08:02","guid":{"rendered":"https:\/\/incredipros.com\/?p=24658"},"modified":"2026-04-28T16:08:03","modified_gmt":"2026-04-28T16:08:03","slug":"the-state-of-personal-finance-2021-q2","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24658","title":{"rendered":"The State of Personal Finance 2021 Q2"},"content":{"rendered":"<div>\n<h2>Study Summary<\/h2>\n<ul>\n<li>Nearly 6 in 10 say now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves.<\/li>\n<li>82% say that even though many things are returning to normal, they are still very cautious with their spending.<\/li>\n<li>70% of qualifying parents say they are afraid to spend the child tax credit money from the new monthly payments because they don\u2019t know how it will impact their income taxes when they file next year.<\/li>\n<li>3 in 4 have noticed higher prices in the last three months for the things they normally buy.<\/li>\n<li>60% of recent home buyers paid more than the asking price for their recent home purchase.<\/li>\n<li>16% of investors have invested money in some form of cryptocurrency.<\/li>\n<li>41% of married couples say they often fight with their spouse when they talk about money.<\/li>\n<\/ul>\n<h3>Downloads<\/h3>\n<p>Have questions about this study?\u00a0Email us\u00a0or visit our\u00a0newsroom\u00a0for more information.<\/p>\n<hr\/>\n<p>As Americans regained some normalcy over the summer with easing restrictions, new research finds people are feeling cautiously optimistic about their financial situation. A lot of Americans feel like they\u2019re better off financially than they were this time last year, but they\u2019re still proceeding with caution before they ramp up their spending. The latest quarterly release of The State of Personal Finance study from Ramsey Solutions digs into these issues as well as the impact of inflation on Americans\u2019 household finances, confusion around child tax credit payments, and concerns about a booming seller\u2019s real estate market.<\/p>\n<h2>Many Have Major Purchases Planned, but Still Cautious With Spending<\/h2>\n<p>Many Americans are beginning to feel the economy is on the mend, and after a long season of uncertainty and restraint, consumers are ready to cautiously return to more normal spending patterns. Nearly six in 10 say that now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves. In fact, 63% have a big ticket or major purchase planned for the next three months. Not surprisingly, summer travel tops that list of upcoming big spending. More than one-quarter (27%) plan to spend money on a vacation in the next three months. Millennials especially plan to increase their travel spending this summer, with 45% of those planning a summer vacation saying they will spend more this year than last year on those trips. Comparatively, only one-third of Gen X and 29% of Boomers plan to spend more on summer vacations than they did last year.<\/p>\n<p>But Americans haven\u2019t forgotten the money lessons they learned during the COVID-19 pandemic. Many Americans who reined in spending and ratcheted up savings to ride out the pandemic say some of those habits are here to stay. In fact, three in four say they plan to make some of the spending changes they made during the pandemic permanent. And 82% say that even though many things are returning to normal, they are still being very cautious with their spending.<\/p>\n<\/p>\n<h2>Lack of Clarity Around New Child Tax Credit Payments<\/h2>\n<p>This hesitancy to spend has carried over into other financial decisions as well. Recent changes to the child tax credit allow eligible parents to receive half of their tax credit in monthly payments between July and December of this year. Parents can receive monthly payments up to $250 per qualifying child ages six to 17 and $300 a month per child under age six. Parents claim the rest of their credit amount when they file their 2021 taxes in 2022. But a majority of the parents who qualify for the monthly payments are wary about spending the money now.<\/p>\n<p>Seven in 10 qualifying parents say they are afraid to spend the child tax credit money from the new monthly payments because they don\u2019t know how it will impact their income taxes when they file next year. The latest quarter\u2019s study found that only half of qualifying parents say they clearly understand what this new child tax credit means for their tax situation. And those with lower household income are even less likely to say they have a clear understanding. Nearly 40% of those with a household income below $50,000, 44% of those with a household income of $50,000\u201399,999, and 60% of those with a household income of $100,000 or above say they clearly understand the impact of these new monthly payments on their income taxes.<\/p>\n<p>And even though they have a better understanding of the child tax credit, families with a higher household income are more likely to say they don\u2019t plan on spending their checks because they don\u2019t know how it will affect them at tax time. Fifty-seven percent (57%) of those with a household income under $50,000, 67% of those with a household income of $50,000\u201399,999, and 78% of those with a household income of $100,000 or above are afraid to spend the child tax credit money for fear of how it will impact their taxes.<\/p>\n<p>But unless they opted out, qualifying parents have already started receiving their monthly tax credit payments, and families are split on how to handle that extra cash. Thirty-eight percent (38%) of qualifying parents say they will save the payments, 35% say they will pay bills with them, 28% say they will invest the payments for their child\u2019s future, and 27% will spend the payments on necessities for their child or family.<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" loading=\"lazy\" alt=\"child tax credit payment\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/12\/child-tax-credit-payments.jpg\"\/><\/p>\n<h2>Inflation Impacting Spending<\/h2>\n<p>While consumers are cautiously optimistic about the economy and their spending, many shoppers have noticed their money doesn\u2019t seem to go as far. Eight in 10 of those surveyed say they don\u2019t feel like their money buys as much as it used to. And three in four say they have noticed higher prices in the last three months for the things they normally buy.<\/p>\n<p>As the value of their dollars shrink, many consumers are changing their buying habits. Shoppers\u2019 top solution to combat higher prices was to seek out sales or coupons before they purchased items (38%). One-third (32%) told us they have purchased less than they normally would because of higher prices, and 29% said they delayed a purchase because of the inflated cost. \u00a0<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" alt=\"inflation impacting spending\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/12\/inflation-impacting-spending.jpg\"\/><\/p>\n<h2>A Hot Real Estate Market Causing Concern for Those Hoping to Purchase<\/h2>\n<p>If there\u2019s anywhere higher prices are making waves, it\u2019s in the housing market. Demand is high, and in many markets, the supply can\u2019t keep up. The data from the second quarter\u2019s study shows that for those who bought a house in the last three months, 60% report paying more than the asking price for the house. And for those planning to buy soon, these real estate trends are generating concern. An overwhelming majority (80%) say they are concerned they won\u2019t be able to compete because the market is so hot in their area. And three in four are concerned they won\u2019t be able to find a home in their budget.<\/p>\n<p>These trends are having the biggest impact at the top of the market. Among households making $100,000 and above, 70% say they paid over asking price for homes they purchased in the last three months, compared to 56% of households making $50,000\u201399,999 and only 37% of households earning under $50,000 who purchased a home in the last three months. \u00a0Similarly, households making over $100,000 are more likely than households making under $100,000 to say they are concerned they won\u2019t find a home in their budget in the next three months (83% compared to 71%).<\/p>\n<p>Even more concerning than budget constraints and competition are the tactics many home buyers are adopting in order to compete. Three in four of those who are planning to buy a home in the next three months said they would be willing to waive the home inspection and appraisal to make their offers more competitive. That decision for short-term gain could leave home buyers open to long-term risk as they struggle to navigate the demanding housing market this summer.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" alt=\"real estate market trends\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/12\/real-estate-market-trends.jpg\"\/><\/p>\n<h2>Younger Investors Increasingly Exploring Cryptocurrency Investment Options<\/h2>\n<p>Results from the Q2 study show that newer types of investing, including new investing products like cyptocurrency and new ways to invest like robo-advising are catching on, especially with younger investors. Sixteen percent (16%) of those who are currently investing have invested in cryptocurrency. Millennial investors have embraced the trend more than other age groups, with 27% investing in some form of cryptocurrency, compared to 15% of Gen X investors and only 5% of Boomer investors.<\/p>\n<p>Millennial investors are also more likely to adopt tech-based investing platforms like robo-advising and app-based investing platforms. More than half of Millennial investors (51%) have tried out investing apps like Robinhood, compared to one-third of Gen X investors (32%) and only 5% of Boomer investors. The same trend holds true for robo-advising platforms. Forty-four percent (44%) of Millennial investors have invested money using robo-advising platforms, while only 22% of Gen X investors and 4% of Boomer investors have.<\/p>\n<p>This higher likelihood to opt for more DIY investing options may stem from the higher confidence Millennials have in their ability to invest. Just over half of Millennials (51%) who are investing say they are \u201cextremely confident\u201d in their ability to invest their money, compared to only 32% of Gen X investors and only 11% of Boomer investors. \u00a0<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" alt=\"investment in cryptocurrency \" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/12\/investment-in-cryptocurrency.jpg\"\/><\/p>\n<h2>How Money Impacts Marriages<\/h2>\n<p>Whether it\u2019s planning a big purchase, deciding how cautious to be with post-pandemic spending, or deciding how to handle child tax credits, money decisions can be tricky for married couples who are not on the same page about their finances.<\/p>\n<p>Among those who are married, 41% say they often fight with their spouse when they talk about money.<\/p>\n<p>Additionally, 37% of married couples say their spouse has made them feel guilty about how they spend money. Younger couples struggle with this more than older married couples. Nearly two-thirds of Millennials (65%), 41% of Gen X, and only 11% of Boomers who are married report that their spouse has made them feel guilty about how they spend money.<\/p>\n<p>Fights and hurt feelings aren\u2019t the only financial issues married couples deal with. The Q2 data shows that one-third of those who are married admit to having hidden a purchase from their spouse that they didn\u2019t think their spouse would approve of. Others reported that they don\u2019t have fully combined finances, with 31% saying they have a credit card their spouse doesn\u2019t know about and another 31% saying they have a debt their spouse doesn\u2019t know about.<\/p>\n<p>And not surprisingly, debt can make financial problems for couples even worse. This study tracked several troubling financial behaviors among married couples, and those with consumer debt did not fare as well as those who have no consumer debt. More than half (54%) of married couples with consumer debt say they often fight with their spouse when they talk about money, compared to only a quarter (25%) of couples who are consumer debt-free. And couples with consumer debt are twice as likely (50% compared to 23%) to say their spouse has made them feel guilty about how they spend money.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" alt=\"hidden purchases from spouses \" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/12\/hidden-purchases-from-spouse.jpg\"\/><\/p>\n<h2>Conclusion<\/h2>\n<p>While 37% report that their personal finances are better off now compared to this time last year, with only 18% saying they are worse off year over year, many Americans are feeling better headed into the second half of the year. However, as the latest data from Q2 shows, Americans are still navigating the changes that affect their household finances, including child tax credits, inflation, housing concerns and a cautious attitude toward spending.<\/p>\n<h3>About the Study<\/h3>\n<p>The State of Personal Finance Study is a quarterly research study conducted by Ramsey Solutions with 1,004 U.S. adults to gain an understanding of the personal finance behaviors and attitudes of Americans. The nationally representative sample was fielded June 22, 2021, to June 29, 2021, using a third-party research panel.<\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/budgeting\/state-of-personal-finance-2021-q2-research\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Study Summary Nearly 6 in 10 say now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves. 82% say that even though many things are returning to normal, they are still very cautious with their spending. 70% of qualifying parents say they are afraid<\/p>\n","protected":false},"author":1,"featured_media":24659,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24658","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The State of Personal Finance 2021 Q2 | IncrediPros<\/title>\n<meta name=\"description\" content=\"Study Summary Nearly 6 in 10 say now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/incredipros.com\/?p=24658\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The State of Personal Finance 2021 Q2 | IncrediPros\" \/>\n<meta property=\"og:description\" content=\"Study Summary Nearly 6 in 10 say now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/incredipros.com\/?p=24658\" \/>\n<meta property=\"og:site_name\" content=\"IncrediPros\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-28T16:08:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-28T16:08:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1075\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/incredipros.com\/?p=24658#article\",\"isPartOf\":{\"@id\":\"https:\/\/incredipros.com\/?p=24658\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639\"},\"headline\":\"The State of Personal Finance 2021 Q2\",\"datePublished\":\"2026-04-28T16:08:02+00:00\",\"dateModified\":\"2026-04-28T16:08:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/incredipros.com\/?p=24658\"},\"wordCount\":1917,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/incredipros.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/incredipros.com\/?p=24658#primaryimage\"},\"thumbnailUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/incredipros.com\/?p=24658#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/incredipros.com\/?p=24658\",\"url\":\"https:\/\/incredipros.com\/?p=24658\",\"name\":\"The State of Personal Finance 2021 Q2 | IncrediPros\",\"isPartOf\":{\"@id\":\"https:\/\/incredipros.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/incredipros.com\/?p=24658#primaryimage\"},\"image\":{\"@id\":\"https:\/\/incredipros.com\/?p=24658#primaryimage\"},\"thumbnailUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg\",\"datePublished\":\"2026-04-28T16:08:02+00:00\",\"dateModified\":\"2026-04-28T16:08:03+00:00\",\"description\":\"Study Summary Nearly 6 in 10 say now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves.\",\"breadcrumb\":{\"@id\":\"https:\/\/incredipros.com\/?p=24658#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/incredipros.com\/?p=24658\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/incredipros.com\/?p=24658#primaryimage\",\"url\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg\",\"contentUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg\",\"width\":2048,\"height\":1075},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/incredipros.com\/?p=24658#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/incredipros.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The State of Personal Finance 2021 Q2\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/incredipros.com\/#website\",\"url\":\"https:\/\/incredipros.com\/\",\"name\":\"IncrediPros\",\"description\":\"Latest Personal Finance News and Updates\",\"publisher\":{\"@id\":\"https:\/\/incredipros.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/incredipros.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/incredipros.com\/#organization\",\"name\":\"IncrediPros\",\"url\":\"https:\/\/incredipros.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"contentUrl\":\"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"width\":512,\"height\":512,\"caption\":\"IncrediPros\"},\"image\":{\"@id\":\"https:\/\/incredipros.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639\",\"name\":\"News Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/incredipros.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d9712434f1a26cf97165a2d1eec1ebc76c3ebf856de2b444c71150b833e8aae2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d9712434f1a26cf97165a2d1eec1ebc76c3ebf856de2b444c71150b833e8aae2?s=96&d=mm&r=g\",\"caption\":\"News Room\"},\"sameAs\":[\"https:\/\/incredipros.com\"],\"url\":\"https:\/\/incredipros.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The State of Personal Finance 2021 Q2 | IncrediPros","description":"Study Summary Nearly 6 in 10 say now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves.","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:\/\/incredipros.com\/?p=24658","og_locale":"en_US","og_type":"article","og_title":"The State of Personal Finance 2021 Q2 | IncrediPros","og_description":"Study Summary Nearly 6 in 10 say now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves.","og_url":"https:\/\/incredipros.com\/?p=24658","og_site_name":"IncrediPros","article_published_time":"2026-04-28T16:08:02+00:00","article_modified_time":"2026-04-28T16:08:03+00:00","og_image":[{"width":2048,"height":1075,"url":"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg","type":"image\/jpeg"}],"author":"News Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"News Room","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/incredipros.com\/?p=24658#article","isPartOf":{"@id":"https:\/\/incredipros.com\/?p=24658"},"author":{"name":"News Room","@id":"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639"},"headline":"The State of Personal Finance 2021 Q2","datePublished":"2026-04-28T16:08:02+00:00","dateModified":"2026-04-28T16:08:03+00:00","mainEntityOfPage":{"@id":"https:\/\/incredipros.com\/?p=24658"},"wordCount":1917,"commentCount":0,"publisher":{"@id":"https:\/\/incredipros.com\/#organization"},"image":{"@id":"https:\/\/incredipros.com\/?p=24658#primaryimage"},"thumbnailUrl":"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg","articleSection":["News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/incredipros.com\/?p=24658#respond"]}]},{"@type":"WebPage","@id":"https:\/\/incredipros.com\/?p=24658","url":"https:\/\/incredipros.com\/?p=24658","name":"The State of Personal Finance 2021 Q2 | IncrediPros","isPartOf":{"@id":"https:\/\/incredipros.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/incredipros.com\/?p=24658#primaryimage"},"image":{"@id":"https:\/\/incredipros.com\/?p=24658#primaryimage"},"thumbnailUrl":"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg","datePublished":"2026-04-28T16:08:02+00:00","dateModified":"2026-04-28T16:08:03+00:00","description":"Study Summary Nearly 6 in 10 say now that many parts of the country are returning to pre-pandemic life, they are ready to spend money to treat themselves.","breadcrumb":{"@id":"https:\/\/incredipros.com\/?p=24658#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/incredipros.com\/?p=24658"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/incredipros.com\/?p=24658#primaryimage","url":"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg","contentUrl":"https:\/\/incredipros.com\/wp-content\/uploads\/2026\/04\/state-of-personal-finance-2021.jpg","width":2048,"height":1075},{"@type":"BreadcrumbList","@id":"https:\/\/incredipros.com\/?p=24658#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/incredipros.com\/"},{"@type":"ListItem","position":2,"name":"The State of Personal Finance 2021 Q2"}]},{"@type":"WebSite","@id":"https:\/\/incredipros.com\/#website","url":"https:\/\/incredipros.com\/","name":"IncrediPros","description":"Latest Personal Finance News and Updates","publisher":{"@id":"https:\/\/incredipros.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/incredipros.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/incredipros.com\/#organization","name":"IncrediPros","url":"https:\/\/incredipros.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/incredipros.com\/#\/schema\/logo\/image\/","url":"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/03\/d-icon.png","contentUrl":"https:\/\/incredipros.com\/wp-content\/uploads\/2024\/03\/d-icon.png","width":512,"height":512,"caption":"IncrediPros"},"image":{"@id":"https:\/\/incredipros.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/incredipros.com\/#\/schema\/person\/780bbc4cd0333994745122c9e8e5a639","name":"News Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/incredipros.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d9712434f1a26cf97165a2d1eec1ebc76c3ebf856de2b444c71150b833e8aae2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d9712434f1a26cf97165a2d1eec1ebc76c3ebf856de2b444c71150b833e8aae2?s=96&d=mm&r=g","caption":"News Room"},"sameAs":["https:\/\/incredipros.com"],"url":"https:\/\/incredipros.com\/?author=1"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/posts\/24658","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=24658"}],"version-history":[{"count":1,"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/posts\/24658\/revisions"}],"predecessor-version":[{"id":24660,"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/posts\/24658\/revisions\/24660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=\/wp\/v2\/media\/24659"}],"wp:attachment":[{"href":"https:\/\/incredipros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=24658"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=24658"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/incredipros.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=24658"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}