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GOBankingRatesEconomics and finance experts: We’re exploring how the middle class is evolving into two distinct financial realities — one group building wealth and another falling behind — and what’s driving that divide in 2026. We’re looking for data-backed insights, real-world examples and what this means for Gen X and older households navigating retirement and cost pressures. Interview questions or provide your own commentary: 1. What does it mean that the middle class is splitting in two for the average person? 2. What are the key factors creating this divide — housing, debt, wages, investment access or something else? 3. How are homeowners versus renters experiencing this split differently right now? 4. Are there specific financial behaviors or decisions that separate those moving ahead from those falling behind? 5. How have inflation and interest rates over the past few years accelerated this divide? 6. What role does access to retirement accounts, employer benefits or financial literacy play? 7. Are there warning signs that someone is slipping into the “falling behind” side of the split? 8. What steps can middle-class households over 40 or nearing retirement take to stay on the stronger side of this divide? 9. Do you see this split widening over the next decade, and what could reverse it? 10. Anything more to add?

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Money LionWe're looking for financial advisors to identify a specific income-related mistake that’s quietly keeping millennials in debt cycles longer than necessary — and how to fix it. Looking for clear behavioral or structural insights, not general budgeting advice. Interview questions: 1. What is the most common income-related mistake millennials make that keeps them in debt longer? 2. Why is this mistake so easy to overlook or normalize? 3. How does this mistake affect cash flow, debt payoff timelines, or financial stress? 4. Is this more about how income is earned, how it’s managed, or how it’s increased? 5. How do inconsistent income, side hustles, or gig work factor into this issue? 6. What are the long-term consequences if this mistake isn’t corrected? 7. What’s a simple way someone can identify if they’re making this mistake right now? 8. What’s the fastest or most effective way to correct it? 9. Are mindset shifts needed around income and debt? 10. Anything to add?

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GOBankingRatesWe’re breaking down how retirement spending changes after age 75 — specifically which costs tend to decline and which remain high or even increase. Looking for practical guidance for retirees and pre‑retirees planning for long‑term financial stability. Interview questions or provide your own commentary: 1. How does spending typically change after age 75 compared to early retirement years? 2. What are the most common expenses that decrease later in retirement, and why? 3. Which expenses tend to stay the same or increase, even as people age? 4. How should retirees adjust their budgets to reflect these shifts? 5. What role do healthcare and long‑term care costs play after age 75? 6. Do housing costs usually decline, or are there scenarios where they increase? 7. How do lifestyle changes — like less travel or driving — impact overall spending? 8. What are the biggest budgeting mistakes retirees make when planning for their later years? 9. What strategies can help ensure retirement savings last through this phase of life? 10. Do you have anything more to add?

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