Nearly 1 in 3 Gen Z workers are not actively saving for retirement, and it could be a half-million-dollar mistake
A top financial regret is not saving enough for retirement, with 19 percent of Americans citing it.
5 min read
Dec 05, 2022
James Royal, Ph.D.
Former Principal Writer, Investing and Wealth Management
EXPERTISE
- Investing
- Wealth management
- Behavioral finance
- Stock analysis
EDUCATION
- Bachelor of Science in management, University of Florida
- Master of Arts in English, University of Florida
- Doctorate in English, University of Florida
Former Bankrate principal writer and editor James F. Royal, Ph.D. covered investing, financial markets, wealth management, cryptocurrency and retirement issues such as IRAs, 401(k) plans and Social Security — helping individuals make smart financial decisions that can positively and significantly improve their lives. He was at Bankrate since 2019, and has been investing in the markets for more than two decades, starting to invest during the “dotcom” boom and bust.
In particular, James is focused on how to invest well, helping individuals build wealth. His articles focused on the real steps to build wealth as well as the financial moves to avoid, those peddled by people just looking to sell you something. Importantly, he also focused on behavioral finance — an individual’s attitudes and experiences to money and investing — as a key place that people sabotage their own financial future, such as by approaching investing with fear and greed.
His work has been cited across major media, including CNBC, the Washington Post, The New York Times, CNN International and the Associated Press, and he has appeared on TV and radio in countless media outlets. James is also the author of The Zen of Thrift Conversions and Options Trading 101. He previously worked as an editor and analyst at the Motley Fool.
When he’s not thinking and writing about investing, James enjoys reading, French cinema and playing Jeopardy, having appeared on the TV game show.
James beyond Bankrate
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
James's latest articles
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What is Internet Computer? A guide to the popular new crypto
Internet Computer has quickly burst onto the crypto scene. Here’s how it differs from the rest of the pack.
3 min read Nov 29, 2022 -
What are dApps and how do they work?
Decentralized applications are key to moving forward the promises of the so-called Web3.
4 min read Nov 18, 2022 -
6 pet stocks and an ETF for animal lovers
Investing in this area could reward investors handsomely over time if current trends hold.
4 min read Nov 16, 2022 -
2022 midterm elections and your retirement: How to stay financially prepared for policy changes
Here’s what those planning for retirement need to pay attention to.
7 min read Nov 08, 2022 -
Index funds vs. mutual funds: What’s the difference?
Index funds and mutual funds both offer investors the chance to invest in a diversified collection of assets.
4 min read Oct 17, 2022 -
Avoid these 3 common Social Security scams and how to stay protected
Here’s what seniors can do to protect themselves from these fraudsters.
5 min read Oct 13, 2022 -
What is asset allocation and how does it work?
Smart investors use asset allocation to create a portfolio that meets their financial needs and temperament
3 min read Oct 13, 2022
