Personal Insights

Explore insights for your lifestyle

Understanding the 2026 home market

Explore housing market predictions for 2026, from rates to home prices.

The 2026 housing market is expected to be more stable than in recent years, but affordability challenges remain.

9 tips for gifting money to family

Here's what to consider before gifting money or property to a loved one.

Providing financial support to family members can be meaningful and impactful, but it works best when it's done thoughtfully.

Using 401(k) funds early

Understand the dos and don'ts around 401(k) withdrawal rules.

Ideally, you'd leave your funds in your 401(k) until retirement to maximize long-term growth potential and preserve savings for future expenses.

Guide to understanding credit scores

Learn how a credit score works, as well as how to improve yours.

A credit score is a three-digit number that helps lenders evaluate how likely you are to repay borrowed money.

What happens to your 401(k) when you leave a job?

Find out what to do with a 401(k) from a former employer.

There's no one-size-fits-all answer for what to do with an old 401(k), but cashing out should be the last resort for most savers.

How to open an IRA

With just five simple steps, opening an IRA is easier than you think.

Anyone who has earned income during the year can make contributions to a traditional or Roth IRA, although Roth accounts have income limits.

Tax deductions for the self-employed

Discover more than 14 tax breaks for freelancers, contractors and small business owners.

Taking advantage of tax deductions for self-employed workers can help reduce your taxable income and ultimately your tax liability.

Tax breaks for parents and growing families

Find out if you're eligible for these family tax credits and deductions.

There are a variety of tax credits and deductions for parents and legal guardians that can help offset the cost of raising a child and reduce your overall tax liability.

The complete guide to IRAs

IRAs can be a tax-smart way to grow your retirement savings. Here's what you need to know to invest.

IRAs are a popular type of tax-advantaged account designed to help you grow your retirement savings.

Roth or traditional IRA: Which is right for you?

Understand the main differences between Roth IRAs and traditional IRAs.

While both offer a tax-advantaged way to save for retirement, they vary in when you receive tax benefits, income eligibility and withdrawal rules.

Can you spot the signs of a scam?

Learn about the latest financial scams targeting consumers, as well as tips to avoid them.

Protecting yourself starts with staying vigilant and understanding the most common financial scams targeting consumers.

What's the best way to save money?

Compare savings options to decide where your next dollar should go.

A good next-dollar strategy depends on your timeline, priorities and how much flexibility you'll need along the way.

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The ins and outs of a mortgage rate checkup

A rate checkup can help you see if there are mortgage opportunities that are a better fit for you.

A mortgage rate check-up is the process of researching what types of mortgage loans exist in the market today.

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This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation, or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax, or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant, or guarantee that it is accurate or complete.

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Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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