Spending money is a deeply personal choice, but it can still signal values, needs, and priorities on a larger scale. The team at Qualtrics specifically examined what different generations spend extra money on. In the team’s data, we can see patterns that could show how much extra money different generations have to spend, what conveniences make an impact on them, and how cultural values drive their spending habits.

The team created two visuals; one shows the top three spending categories for Gen Z, Millennials, Gen X, and Boomers. Next, they listed 18 different spending categories and showed what percentage of each generation is likely to splurge on this category. The results are a fascinating generational study!

Click below to zoom.

The youngest adult generation, Gen Z, struggles with expenses like high-cost housing, student debt, and low wages for entry-level jobs. Gen Z probably has the least money to splurge, but they still find ways to buy treats. 37% of Gen Z said they are likely to splurge on bars and restaurants. This was one of the only spending categories that was unanimous among every generation. It seems everyone wants to skip cooking and enjoy a restaurant now and again.

Millennials, who are in their late twenties to early forties, are most likely to be parents who are balancing busy careers with family life. They’re most likely to splurge on dining out as well, but they’re also uniquely likely to splurge on groceries. This could be attributed to the cost of grocery deliveries through apps like Postmates. Millennials were the first generation to embrace grocery delivery apps, and it might be a helpful time-saving splurge for busy parents and professionals.

Gen X represents people at the far end of their careers and working lives. They’re at the perfect point to have some money to spend on rewards for their lives of hard work. Like every other generation, many said they’d splurge on dining out, but they’re also highly likely to splurge on travel. This makes sense since many members of Gen X are in good health to travel and don’t have the constraints of children to hold them back. They travel solo, with groups, family, or friends.

As for Baby Boomers, the oldest generation, most of them are retired now. Like Gen X, many say they’re likely to splurge on travel to see the places they’ve spent a lifetime dreaming of visiting. They have some splurging habits in common with younger generations, spending extra money on conveniences and necessities like groceries.

The team’s data reflects what different age groups find most important in life and indicates how much money they can use on a splurge. It’s telling that older generations splurge on travel, a high expense that younger generations likely can’t afford. There’s no doubt that we can draw many thought-provoking conclusions from the data we find on these graphics.

People who want to jump into the real estate investment market have an important question to contend with: Which city should they invest their money in? The team at LLC Attorney has arrived with answers in their new study, which condenses tons of information on the real estate market to identify the 50 best cities for first-time investors. Each town has its own unique characteristics, benefits, and setbacks, but as the team proves, they each offer a powerful incentive for real estate investors.

The team started their study by pulling the 100 most populated cities from the Real Estate Investment Index and pinpointing their 50 ideal cities. The towns on their list are affordable, have high rental income potential, and have landlord-friendly laws. To create their list, the team considered state-level laws on rentals, rent-controlled cities, and the job market in each location. Their potential rental income calculations are based on average monthly rent, median home sale price, gross rental yield, and the market temperature. As for landlord-friendliness, the team considered average eviction time, security deposit limit, and rent control laws.

Click below to zoom.

Out of all 50 cities, the team determined that Port St. Lucie, Florida, is the best city for first-time real estate investors to buy property. This growing city shows no signs of slowing, with median property sale prices lower than other major Florida cities, like Miami and Tampa. The job market in Port St. Lucie is strong in healthcare and education, and business-friendly for entrepreneurs. These factors all combine to represent a city that’s attracting more residents every day. It will be a reliable source of rental income for investors.

Cape Coral, Florida, took the second-place spot for similar reasons. Low property taxes, a growing population, and residents flocking to beaches and parks for seasonal living push up the Cape Coral housing demand and rental potential. The lone midwestern city in the top four is Cleveland, Ohio, drawing in investors with affordable housing and lots of demand because of the strong employers based in this lakeside city. Garland, Texas, comes in fourth with more affordable housing than neighboring Dallas, while still located close to all the dining and entertainment that Dallas offers. Popular Garland employers include FedEx, Interceramic USA, Presbyterian Hospital, and Arena Brands, Inc.

In addition to focusing on the 50 cities the team lists, they suggest that first-time investors look to more seasoned investors for advice. Many expert investors speak at conferences, publish guidebooks, and produce educational videos to share their knowledge. Networking with fellow investors is another great way for new investors to gain support and learn quickly. There are countless networking opportunities on social media and in local groups like your local chamber of commerce. Last, investors need to decide whether they’re looking to buy property close to home that they can maintain themselves, or property far away, in which case they’ll need to hire a property manager. No matter your path, the LLC Attorney team offers a great start with this data.

Cybercrimes are an all-too-common occurrence that every modern business needs to protect itself from. The team at Ooma makes a compelling case for this with a new graphic packed full of information on cyberattacks and tips on cybersecurity. Data leaks and ransomware attacks can affect large and small businesses, leading to very real consequences that can impact customers. These attacks can destroy finances, disrupt operations for weeks, and damage the essential trust between customer and business.

Click below to zoom.

Cybersecurity is the protection of digital systems and networks from attacks that can involve phishing scams, malware installation, and data theft. Bad actors can be motivated by anything from financial gain to espionage and even the entertainment of a prank. Cybersecurity strategies allow businesses to protect themselves with a combination of data encryption, staff training, network security, and threat monitoring.

Businesses have to invest in strong cybersecurity, as we can see from global spending exceeding $1.25 trillion in 2025. This number doesn’t sound so high when cyberattacks are expected to cost the economy ten times that amount in the next year. The average cost of a data breach for companies is over $5 million, not including fines, reputation damage, and revenue loss.

Some areas of business are targeted more often than others. These sectors include:

• State institutions/political systems: 51.78%
• Critical infrastructure: 41.73%
• Corporate targets: 15.14%
• Social groups: 6.17%
• Media and education: Around 6% each

Attackers go after these sectors the most because daily life and economic stability depend on them, so they have high value to criminals and bad actors from other nations. Threats come in many forms, and to some extent, every message opened online is a risk, but these are the most common threats:

• Phishing: Fraudulent emails that trick employees into revealing passwords and sensitive data.
• Ransomware: Malicious software that blocks access to data and files until a ransom is paid.
• Malware: Software that’s damaging and gains unauthorized access to a system.
• Data breaches: Unauthorized individuals gain access to confidential information.
• Denial-of-service attacks: A server or network is purposely overloaded to become unavailable to users.
• Insider threats: Employees who maliciously or accidentally compromise security systems.

After making the threats clear, the Ooma team shared the best cybersecurity tips for businesses. Their list includes:

• Train employees to prevent cyber-attacks.
• Install antivirus software.
• Keep security software up to date.
• Use a firewall and data encryption to stay secure.
• Secure all Wi-Fi networks.
• Use strong passwords.
• Create user accounts for every employee.
• Enable multi-factor authentication.
• Back up important business data.
• Limit employee access to data and software installation.
• Restrict administrative privileges.
• Secure your payment systems.
• Protect business mobile phones.
• Monitor cloud service providers.
• Conduct regular cybersecurity audits.

The team’s chart, which is fully illustrated and easy to read, provides a wealth of information on their advice.