More than 1 in 5 Americans regret not saving for retirement earlier. Here’s how to catch up at 30, 40 and 50
No matter your age, it’s possible to get on track with your retirement savings.
Emmanuel Nyame is a member of Bankrate’s Financial Expert Review Board and CEO of Twelvenets, leading campaigns that drive community and economic growth.
With a background in economics and 16 years of experience, He spent his formative years serving business accelerators and venture capital firms, helping prepare startups for funding opportunities, including through SXSW’s Pitch program, whose finalists have raised over $23.2 billion since 2009. He also serves as a Global Communications and Engagement Specialist at the United Nations Foundation. He has led campaigns and corporate match-donation efforts, raising over $7 million for social impact initiatives.
He is a FERD’s List Europe honoree and two-time nominee for the Global Business Hall of Fame. His success in launching and effectively running a student loan campaign in high school through the Junior Achievement Company Program influenced his career path.
As a Bankrate expert reviewer, Emmanuel provides insights on social and consumer finance, economic policy, and financial planning, helping readers navigate key financial decisions with clarity and impact.
Finance is more than numbers—it’s a tool for empowerment. The right financial decisions can turn ideas into impact and vision into lasting change.
— Emmanuel Nyame
No matter your age, it’s possible to get on track with your retirement savings.
Check out how the long-term returns for different asset classes compare.
How to use credit card referrals to earn extra rewards.
Refinancing federal student loans may help you save, but you’ll also lose benefits.
Considering a Roth IRA conversion? Don’t overlook the tax bill.
Here’s how to find, change or register for an EIN.
Decades-old student loan debt harms seniors’ finances and mental health. Luckily, there are programs and people who can help.
Stop wasting time writing checks. Learn the faster, safer way to pay.