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Stephanie Horan

Mortgage, Savings and Retirement Expert

Stephanie Horan is a data journalist at SmartAsset. A Certified Educator of Personal Finance (CEPF®), she sources and analyzes data to write studies relating to a variety of topics including mortgage, retirement and budgeting. Before coming to SmartAsset, she worked as an analyst at an asset management firm. Stephanie graduated from Williams College with a degree in Mathematics. Originally from Philadelphia, she has always been a Yankees fan and currently lives in New York.

Posts by Stephanie Horan:

by Stephanie Horan Aug 21, 2019

Owning a pet is an investment, and choosing an affordable and pet-friendly city is an important consideration for renters or people looking to buy a home. Dogs are one of the more expensive pets to have since they often require more care than other animals. In order to discover where owners could best raise their pooches, SmartAsset looked more into the most dog-friendly cities in America. Read more

by Stephanie Horan Aug 13, 2019

Women constitute nearly half of the workforce in the U.S. According to 2018 data from the Bureau of Labor Statistics (BLS), 46.9% of total workers are women, a figure that stayed constant from 2014 data. Despite the fact that the overall percentage remained unchanged over that time period, certain jobs and occupations in particular have seen significant growth for women, which in turn positively impacts their ability to save. These occupations include not only previously male-dominated jobs, but also other jobs for which the occupation overall is growing. Read more

by Stephanie Horan Aug 07, 2019

The Department of Housing and Urban Development defines those who pay more than 30% of their income on rent as housing cost-burdened. Generally known as the 30% rule, this HUD guideline has long been a rule of thumb for household budgeting. As rising rents continue to outpace increases in median incomes in most cities, having a roommate can be a great way to decrease the amount of  income you spend on rent, and in turn boost your savings. Sharing your home with a roommate is often less expensive than living alone as the cost split between two individuals for a two-bedroom apartment is generally less than the cost of a one-bedroom apartment. Read more

by Stephanie Horan Aug 06, 2019

An estimated 47% of jobs in the U.S. are vulnerable to automation, according to a 2013 paper written at Oxford University by researchers Carl B. Frey and Michael A. Osborne. Depending on the mix of… Read more

by Stephanie Horan Jul 10, 2020

In 2016 at 56 million strong, millennials became the largest generation in the U.S. labor force, according to Pew Research. This means that millennials make up more than a third (35%) of labor force… Read more

by Stephanie Horan Jul 31, 2019

Over the past 10 years, average tuition and fees at private nonprofit four-year colleges and universities in the U.S. rose by $7,390, or almost 26%, according to College Board. Given the rising costs… Read more

by Stephanie Horan Jul 18, 2019

Some places are more family friendly than others. When deciding where to take out a mortgage and raise your children, it is important to consider not only an area’s cost of living, but also the… Read more

by Stephanie Horan Oct 04, 2019

The American Psychological Association’s 2018 survey on stress reports that the average American reported a stress level of 4.9 (on a scale of 1 to 10). Reported stress levels vary by generation, as… Read more