By Kate Ashford, NerdWallet

The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

If you’ve ever decided to save less cash in your retirement account so you could do more traveling or support an expensive hobby, you might be “soft saving” (and not even know it).

Soft saving is about choosing to spend money on things you enjoy today and stashing money away less aggressively for your later years. People who take this approach are more concerned about what they’re doing tomorrow than what they’ll be doing at age 65 or 70.

“Soft saving is being more mindful about your lived experience now and not being willing to sacrifice too much in favor of your future yet,” says Rebecca Palmer, a certified financial planner in Washington, D.C., and head of guidance for financial planning platform Fruitful. “So, the balance between prioritizing future you versus current you.”

Is soft saving new?

While revenge saving has gotten more attention recently, soft saving isn’t a new phenomenon — for years, people have chosen current wants over elevated saving for future needs. But today’s soft saving trend is a purposeful mindset shift.

Jesica Ray, a certified financial planner with Brighton Jones in Washington, D.C., recently talked to a young client who didn’t want to focus on retirement savings. “They said, ‘I’m not going to do that because I don’t really care what’s in that bucket when I’m 50 years old, I care about using that money now and knowing it’s not tied up in some retirement account that I can’t access until I’m 59,’” Ray says.

Soft saving is often attributed to Gen Zers who’ve watched their parents navigate strict rules around money and budgeting — and they don’t want to take that same approach.

“I really felt allergic to this idea of budgeting when I was getting my own financial life together,” says Nicole Lapin, a Los Angeles-based financial expert, author and host of the “Money Rehab” podcast. “It felt really scary. It felt like, ‘Wow, I can’t have any fun.’ Where are the extras?”

The pros and cons of soft saving

In some cases, soft saving serves as a gentle entry to a consistent savings habit, which can be a boon for people feeling anxious about how to approach financial planning.

“Soft saving invites people to just start,” Palmer says. “It does need to be consistent for it to work, though. It can’t be just, ‘Oh, I’ll save a little when I want to.’ Consistency here is really important so it can be increased later.”

One disadvantage, however, is that if your savings rate is smaller as a person in your 20s, it may be tough to boost it in your 40s — especially if you’ve experienced lifestyle creep and have more financial obligations like a mortgage and children. It’s easier to downsize your savings rate than to upsize it.

The advantage to starting with a higher savings percentage, Palmer says, is that “if stuff comes up, you might need that space.”

Is soft saving smart for long-term goals?

“I actually don’t think this is an irresponsible strategy,” Ray says. “I like the idea of reframing the conversation to, ‘Is your money supporting the life that you want to have today?’”

Good financial planning is about being aware of your decisions, Ray says, and she does her best to make sure her clients understand the pros and cons of their choices. If they understand the tradeoffs and choose to take certain steps anyway, “I think that’s OK,” she says.

Palmer points out that it’s important that people don’t stop investing for retirement, even if it’s not a huge percentage. “If they don’t do some investing for the long term early on, they’re going to miss out on a massive amount of compounding interest, and later you have to work twice as hard to get half as far,” she says.

How to find the middle ground

Soft saving doesn’t mean no saving — it means saving some while giving yourself room to enjoy your life.

The key to making soft saving work is to keep an eye on future you — are your choices going to force you to work until age 75? If so, you may want to tweak your approach. Consider having a financial professional run the numbers on your planned savings rates over time.

“What I do is show them, ‘If you do that, here’s what that means for the lifestyle you can afford when you’re in your 50s and 60s,’ so they understand the impact of the choices that they’re making,” Ray says.

To set yourself up for success, try saving first and spending what’s left. Lapin refers to it as making your “end game” money moves first. “I like to think about paying my future self, that old lady Nicole,” Lapin says.

And make sure you’re leaving room in your budget for some extras. “Whatever that small indulgence is for you, allow for it in the overall plan so it keeps you on track and keeps you from binging later on,” Lapin says.

In the end, soft saving is a great way to get started, Palmer says, but you have to couple it with a consistent system for bumping up your savings over time.

“Don’t rely on memory or willpower or ‘shoulds,’ — automate your soft savings,” Palmer says. “Then maybe have a check-in point for increasing that. Bump it up a little every quarter, every year, whatever that cadence is so you’re slowly building the space for more savings over time.”

Kate Ashford, WMS writes for NerdWallet. Email: kashford@nerdwallet.com. Twitter: @kateashford.

The article Is ‘Soft Saving’ Smart — or Short-Sighted? originally appeared on NerdWallet.

By AYA DIAB, Associated Press

It feels simple: You shop, find something you want and click to buy. It shows up today, overnight or tomorrow. We’ve gotten used to that speed. But that convenience comes with a climate cost.

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Multiple factors shape the environmental toll of a delivery. These include the distance from a fulfillment center, whether the shipment rides in a half-empty truck, how many trips a driver makes in the same area and the type of transportation used to move the package.

When customers choose faster shipping and earlier delivery dates, the system shifts from optimized routing to whatever gets the package out fastest, and that means higher emissions, said Sreedevi Rajagopalan, a research scientist at MIT’s Center for Transportation and Logistics. For example, trucks may leave warehouses before they’re full and drivers might loop the same neighborhood multiple times a day, she said.

“For the same demand, fast shipping definitely increases emissions 10 to 12%,” she said.

To meet tight delivery windows, retailers may rely on air freight, which produces far more emissions than other options such as trains, making it the most carbon-intensive.

“Given that companies want to be competitive in terms of speed, it comes at the cost of your efficiency,” Sreedevi said. “Vans are half full, and you make multiple rounds, multiple trips to the same location … your fuel consumption goes up, and you’re not able to consolidate.”

One way companies like Amazon try to minimize that is by placing their supply chain closer to customers to reduce mileage and improve speed for the customer. Their goal is to make the journey fast and effective, but reduce its emissions at the same time.

“By really leveraging our supply chain efficiencies that we have at scale, we’re able to both offer better speed and sustainability outcomes at the same time,” said Chris Atkins, director of Worldwide Operations Sustainability at Amazon.

The last mile

Getting items to customers’ doors from a fulfillment center — referred to as the “last mile” or “last kilometer” of shipping — is one of the hardest stages to make less polluting, Sreedevi said.

Emissions rise even more when customers place multiple small orders throughout the week.

“If I place an order this morning and then I place an order this evening and choose fast shipping, the company might have already processed my morning order and wouldn’t wait for my evening order to consolidate,” she said.

And sending more half-full trucks out on the road means more trips overall.

“Imagine you’re not only sending a half-full truck, you’re also bringing back that truck empty. … Emissions are going to go up,” Sreedevi said.

Reducing emissions

Consumers can lower emissions if they’re willing to wait even a tiny bit, and they’ll save money at the same time, said Christopher Faires, assistant professor of logistics and supply chain management at Georgia Southern University.

Delaying delivery by one to two days can result in a 36% reduction in carbon dioxide emissions, and three to four days pushes that reduction to 56%, so opting for standard or delayed shipping instead of next-day or two-day shipping helps, according to Sreedevi.

Amazon’s Atkins said changes to their network are cutting emissions linked to fast delivery. The company has expanded the use of electric delivery vans and shifted more packages to rail and to delivering by foot or bicycle in dense cities.

“Aviation is very carbon-intensive relative to ground shipping,” said Atkins. “One of the other things that Amazon and other logistics companies are looking at doing is: How do we mode-shift to less carbon intensive forms of transportation?”

Amazon says providing shipping options that encourage customers to consolidate orders have also helped. Data for the first nine months of 2025 shows that when customers chose a single delivery day for all items, it reduced more than 300 million delivery stops and avoided 100,000 tons (90,718 metric tons) of carbon emissions, according to Atkins.

Consumers change behavior when they know the impact

People are more likely to delay or consolidate orders once they understand the environmental impact of fast shipping, according to Sreedevi, who co-authored a 2024 study of delivery customers in Mexico.

“A significant number of consumers decided to wait for longer delivery or delayed their shipping when we showed them the environmental impact information in the form of trees,” said Sreedevi. “So it’s important that they are educated.”

While fast shipping isn’t likely to go away, experts say its climate impacts can be meaningfully reduced through small behavior shifts, both from shoppers and companies. Bundling orders, skipping the overnight option and choosing a single weekly delivery can all make a difference.

The Associated Press’ climate and environmental coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

WASHINGTON (AP) — The U.S. military said Monday that it had conducted another strike against a boat it said was smuggling drugs in the eastern Pacific Ocean, killing one person.

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In a social media post, U.S. Southern Command said, “Intelligence confirmed the low-profile vessel was transiting along known narco-trafficking routes in the Eastern Pacific and was engaged in narco-trafficking operations.” Southern Command provided no evidence that the vessel was engaged in drug smuggling.

A video posted by U.S. Southern Command shows splashes of water near one side of the boat. After a second salvo, the rear of the boat catches fire. More splashes engulf the craft and the fire grows. In the final second of the video, the vessel can be seen adrift with a large patch of fire alongside it.

Earlier videos of U.S. boat strikes showed vessels suddenly exploding, suggesting missile strikes. Some strike videos even had visible rocket-like projectiles coming down on the boats.

The Trump administration has said the strikes were meant to stop the flow of drugs into the U.S. and increase pressure on Venezuelan President Nicolás Maduro.

At least 105 people have been killed in 29 known strikes since early September. The strikes have faced scrutiny from U.S. lawmakers and human rights activists, who say the administration has offered scant evidence that its targets are indeed drug smugglers and say the fatal strikes amount to extrajudicial killings.

Meanwhile, the U.S. Coast Guard has stepped up efforts to interdict oil tankers in the Caribbean Sea as part of the Trump administration’s escalating campaign against Maduro.

By MATT OTT, Associated Press Business Writer

WASHINGTON (AP) — The U.S. economy expanded at a surprisingly strong 4.3% annual rate in the third quarter, the most rapid expansion in two years, as consumer and government spending, as well as exports, all grew.

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U.S. gross domestic product from July through September — the economy’s total output of goods and services — rose from its 3.8% growth rate in the April-June quarter, the Commerce Department said Tuesday in a report delayed by the government shutdown. Analysts surveyed by the data firm FactSet forecast growth of 3% in the period.

However, inflation remains higher than the Federal Reserve would like. The Fed’s favored inflation gauge — called the personal consumption expenditures index, or PCE — climbed to a 2.8% annual pace last quarter, up from 2.1% in the second quarter.

Excluding volatile food and energy prices, so-called core PCE inflation was 2.9%, up from 2.6% in the April-June quarter.

Consumer spending, which accounts for about 70% of U.S. economic activity, rose to a 3.5% annual pace last quarter, up from 2.5% in the April-June period.

Consumption and investment by the government grew by 2.2% in the quarter after contracting 0.1% in the second quarter. The third quarter figure was boosted by increased expenditures at the state and local levels and federal government defense spending.

Private business investment fell 0.3%, led by declines in investment in housing and in nonresidential buildings such as offices and warehouses. However, that decline was much less than the 13.8% dropoff in the second quarter.

Within the GDP data, a category that measures the economy’s underlying strength grew at a 3% annual rate from July through September, up slightly from 2.9% in the second quarter. This category includes consumer spending and private investment, but excludes volatile items like exports, inventories and government spending.

Exports grew at an 8.8% rate, while imports, which subtract from GDP, fell another 4.7%.

Tuesday’s report is the first of three estimates the government will make of GDP growth for the third quarter of the year.

Outside of the first quarter, when the economy shrank for the first time in three years as companies rushed to import goods ahead of President Donald Trump’s tariff rollout, the U.S. economy has continued to expand at a healthy rate. That’s despite much higher borrowing rates the Fed imposed in 2022 and 2023 in its drive to curb the inflation that surged as the United States bounced back with unexpected strength from the brief but devastating COVID-19 recession of 2020.

Though inflation remains above the Fed’s 2% target, the central bank cut its benchmark lending rate three times in a row to close out 2025, mostly out of concern for a job market that has steadily lost momentum since spring.

Last week, the government reported that the U.S. economy gained a decent 64,000 jobs in November but lost 105,000 in October. Notably, the unemployment rate rose to 4.6% last month, the highest since 2021.

The country’s labor market has been stuck in a “low hire, low fire” state, economists say, as businesses stand pat due to uncertainty over Trump’s tariffs and the lingering effects of elevated interest rates. Since March, job creation has fallen to an average 35,000 a month, compared to 71,000 in the year ended in March. Fed Chair Jerome Powell has said that he suspects those numbers will be revised even lower.