# 401(k) has a hidden "give money for free" mechanism that most people don't understand.
In many American workers' 401(k) plans, employers will provide **employer match** — you save a portion, and the company adds another portion for you. The average level is 4% of your salary contribution, and the company directly doubles it.
In other words: **instant 100% return rate**.
Comparing the returns of the stock market: The long-term average annual return of the S&P 500 index is about 10%, which takes 7 years to double. But how does this 401(k) match up? Every month on payday, you get a 100

**Why Evergy (EVRG) Could Be Your Next Utility Play**
Evergy's doubling down on renewable energy and transmission—aiming for carbon neutrality by 2045. Here's what the numbers say:
📊 **The Growth Case:**
- 2025 EPS consensus: $4.01 | 2026: $4.28 (up 0.47%)
- 2025 revenue forecast: $5.95B (+1.8% YoY)
- Long-term earnings growth: 5.78%
💰 **Income Play:**
- Quarterly dividend: $0.695/share ($2.78 annualized)
- Dividend yield: 3.61% (vs S&P 500 avg of 1.12%)
💪 **Debt Looks Solid:**
- Total debt-to-capital: 55.84% (better than industry avg 59.51%)
- Times interest earned ratio: 2.5x (can cover i

# Australia's Mining Billionaire Just Doubled Down on US Rare Earths
Gina Rinehart, Australia's richest person (net worth $23.9B), has quietly become the top shareholder of MP Materials (NYSE:MP), holding 8.4% of the company. Hancock Prospecting, her private mining firm, added 1 million shares in Q3 alone—and MP stock doubled during that period, making it Hancock's biggest holding now.
Why this matters: MP runs Mountain Pass, the **only operating rare earths mine in the US**, and it's becoming critical infrastructure as America tries to break free from China's rare earths dominance.
**The mom

# Fed turns from hawkish to dovish, dollar gains are hindered, precious metals strengthen against the trend
The US Dollar Index (DXY) rose slightly by 0.06% today, mainly supported by the weakness of the yen, but the upward momentum was constrained by several factors:
**Fed policy shift draws attention**
Federal Reserve official Waller made a statement yesterday advocating for a 25bp rate cut in December, which directly cooled the dollar's enthusiasm. The market currently prices a 70% probability of a rate cut at the December FOMC meeting (December 9-10). Once a rate cut is set in stone,

The income threshold for the American middle class in 2026 is out | Have you met the standard?
According to the latest data, the annual income of upper middle-class families in the United States is approximately $117k to $150k, but this number varies greatly due to regional differences.
Key points:
- National median household income $74.6k
- Middle-income range: $56.6k-$169.8k
- Upper middle class typically $106k-$250k (varies by region)
Regional differences are significant: $85k in Mississippi is considered upper middle class, but in Maryland, you need $158k+ to be in the same category. Facto