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A thoughtful look at investing opportunities and risks beyond the market headlines, plus personal finance and retirement tips, from Morningstar.

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Also, the factors that helped lift Morningstar’s suggested starting safe withdrawal rate.

Also, Morningstar forecasts five interest rate cuts in 2024, and why Adobe’s outlook is slightly disappointing.

The founder of Her First $100K explains the importance of loud budgeting, pay transparency, and teaching girls about money.