Scary investments & where the candidates stand

Plus, how to prioritize retirement, planning your holiday budget and more [The Penny Hoarder] [To Sum It Up] October 31, 2020 Happy Saturday, Penny Hoarders! [The 10 Scariest Investments in 2020: These Are Not for the Faint of Heart]( Do you love playing the stock market or do you hate risk? These are the 10 riskiest investments around. Proceed with caution if you can’t afford to lose it all. [READ MORE]( [Dear Penny: We’re Seniors With $74K in Debt. Should We Save or Pay It Off?]( This couple has paid off serious debt, but they still owe $74,000. Should they save more before tackling their credit card debt? Dear Penny weighs in. [READ MORE]( [Our Holiday Budget Planner Will Help You Play Santa Without Going Broke]( Before you start shopping for the holidays, check your budget. Oh, you don’t have one? Here’s how to create one in seven easy steps. [READ MORE]( Get Smart(er) If this year has taught us anything, it’s the importance of being smart with our money — and safeguarding ourselves for the future. So, we’re launching Smart Money Moves, our newest monthly newsletter devoted to all things planning for the future: investing, planning for retirement and so much more! [Get on the list by updating your preferences here]( — and keep an eye out for Smart Money Moves, hitting inboxes Nov. 11! [Trump vs. Biden: 3 Things We Know About Where They Stand on Social Security]( Whoever occupies the Oval Office for the next 4 years will have some big decisions to make about Social Security benefits. Here’s where each candidate stands. [READ MORE]( [Here’s How to Void a Check (Plus What to Do if You Don’t Use Checks)]( You’re probably going to have to void a check at some point. Here’s how to do it correctly — plus alternatives for those of you who don’t use checks at all. [READ MORE]( Follow us on: [Facebook]( [Instagram]( [Twitter]( [Pinterest]( [YouTube]( [SHARE WITH A FRIEND](mailto:?subject=Check out this newsletter from The Penny Hoarder&body=Hey!%0D%0A%0D%0AI've been reading The Penny Hoarder newsletters and thought you'd be interested too.%0D%0A%0D%0AI get smart tips and strategies for making and managing money delivered straight to my inbox. Let The Penny Hoarder help you re-prioritize and improve your finances. Click here to see the newsletter I just read!%0D%0A%0D%0Ahttps%3A%2F%2Flinks.thepennyhoarder.com%2Fe%2Fevib%3F_t%3D23a8fe520b1043d0ac0c91a3ebd443bb%26amp%3B_m%3D6e30f99032484fc0b44a359e73b24d38%26amp%3B_e%3Df8r0-0lVTGNyw8xijUG2KkBaiJ2zcuo3-F0l4w2PywtsgwYcBuXD6cDXGuCK9w_igCP-yV6vQ94l-LYqO31X2ImaR_kEzu8HTY6QvjVXnRQoVRA2t5bjs0x9debsLFrQ%0D%0A%0D%0A%0D%0AIf you like what you see, sign up using the link below.%0D%0A%0D%0A [Image] The Penny Hoarder | 490 1st Ave S, Suite 800 | Saint Petersburg, Florida 33701 | United States [Update mailing preferences](. If you no longer wish to receive emails, [unsubscribe here](. Questions? View our [Privacy Policy](. [View this message in browser](.