Monthly Money Digest || Your Money, Your Goals, Your Adventure


Hello, BlackBird community!

Market

NASDAQ COMPOSITE ytd: 12.10% DOW ytd: 9.84%

Sugar ytd: 17.07% Lumber ytd: -2.41%

(quoted as of 10/21/26 ) Understanding Major Indexes and Lesser-Known Indexes. Read Here​

Leading Economic Indicators

HOUSING STARTS:

U.S. housing starts fell 5.2% in September to an annualized rate of 1.22 million homes, down 7.4% from a year earlier. Building permits were nearly unchanged, while completed homes increased 2.2%. The takeaway? Construction activity appears to be cooling over the last two months, but two months' data doesn't establish a trend. (report)

NEW CLAIMS FOR UNEMPLOYMENT:

Initial unemployment claims edged up to 199,000, while continuing claims fell to 1.71 million. Both remain below year-ago levels. (report)

What's the reason for following leading economic indicators? Read Here ​

What Should I Do After Maxing Out My 401(k)?

Maxing out your 401(k) is a great milestone. But where should your next dollar go? The answer depends on your goals, taxes, and when you'll need the money. Let's explore how to balance saving for the future with enjoying life today.

Financial Quote or Tip

“It’s not your salary that makes you rich; it’s your spending habits.” – Charles A. Jaffe

What's Your Money Cycle?

Our money habits are shaped by more than numbers. Understanding how your routines and emotions influence spending can help you make choices that support your goals without giving up what you enjoy.


Outdoor Life | Clip of the Month: 2026 Redbull Rampage Moment

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Sources: https://www.wsj.com/market-data/stocks/us/indexes , https://www.macrotrends.net/2637/lumber-prices-historical-chart-data , https://www.macrotrends.net/2537/sugar-prices-historical-chart-data​

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