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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 Apr 15, 2020

When it comes to taxes, is it more advantageous to get married or stay single? As far as the IRS is concerned, your income and location can ultimately determine whether a union is for richer or poorer. The federal government, along with many state governments and some local governments, has a system of progressive tax rates whereby marginal tax rates increase as a taxpayer’s income increases. Because of this system, a couple’s income can be taxed either more than or less than that of a single filer’s. As a result, some married couples face a tax penalty while others receive a tax bonus when they file together rather than as individuals. While taxpayers who are already married cannot file as single taxpayers – since they must use either “married filing jointly” or “married filing separately” – these considerations may be useful when planning for the financial implications of marriage. For insight regarding your particular situation, speak to your tax preparer or a professional… Read more

by Stephanie Horan Apr 08, 2020

Coronavirus cases in the U.S. have continued to rise in recent weeks, in turn causing federal, state and local governments to urge their constituents to stay home and practice social distancing. Many companies, in turn, have implemented ongoing work-from-home policies that allow employees to keep socking away their earnings in their savings during this uncertain moment. But the shift to remote work has been uneven, highlighting the disparity between those who can seamlessly continue business as usual from their laptops at the kitchen counter and those unable to perform their job functions from afar. Read more

by Stephanie Horan Mar 31, 2020

Last Thursday, the Department of Labor reported that 3.28 million people filed for unemployment insurance for the week ending March 21, 2020. This was the highest historical number of new claims in a week, almost five times the previous record high. Long-term unemployment, especially during a crisis like the coronavirus pandemic, will make it difficult for many Americans to save money adequately. Read more

by Stephanie Horan Mar 27, 2020

In a survey of economists conducted by the University of Chicago’s Booth School of Business at the beginning of March 2020, more than half of participants expected COVID-19 to cause a major recession… Read more

by Stephanie Horan Feb 16, 2021

About 7.31 million Americans were employed in science, technology, engineering and math (STEM) occupations in 2018, an increase of 7.48% from 2014, when there were 6.80 million STEM workers. Those… Read more

by Stephanie Horan Mar 24, 2020

Despite the aging of the American workforce, with adults 65 and older twice as likely to be working now compared to 1985, Census data shows that one in four workers in 2018 was still younger than the… Read more

by Stephanie Horan Mar 10, 2020

With online and mobile banking increasing in popularity, physical banks have struggled to keep their doors open. Over the past five years, the number of branch locations in America declined by 7%.… Read more

by Stephanie Horan Mar 10, 2020

In 2018, roughly 930,000 people ages 60 and older moved across state lines, an increase of about 16% from five years earlier. Whatever reasons factor into their decisions, whether financial or… Read more

by Stephanie Horan Mar 03, 2020

According to 2018 Census data, women make about 80% of what men make nationwide. The average full-time female worker earned $42,295, while the average full-time male worker earned $52,144. Though… Read more

by Stephanie Horan Feb 12, 2020

Since household formation often alters spending patterns, one of the best ways to isolate differences in spending between the sexes is by comparing singles. As millennials, born between 1981 and 1996… Read more

by Stephanie Horan Feb 06, 2020

The employment of computer and information technology workers is projected to grow by 12% from 2018 to 2028, adding almost 550,000 new jobs, according to estimates from the Bureau of Labor Statistics… Read more

by Stephanie Horan Mar 02, 2021

About three in four Americans receive a tax refund each year, and the average amount returned with those refunds is around $3,000, according to IRS data. This means that for many Americans, their tax… Read more

by Stephanie Horan Jan 27, 2020

About 1.25 million mortgages were approved for homebuyers without cosigners in 2018. Of those, roughly 500,000 were approved for women, and close to 750,000 were approved for men. Though nationally… Read more

by Stephanie Horan Jan 19, 2021

Since the 1990s, the divorce rate for adults 50 and older in the United States has roughly doubled, according to findings from the Pew Research Center. In fact, for adults 65 and older, the divorce… Read more

by Stephanie Horan Mar 25, 2020

U.S. home prices peaked in the years leading up to the Great Recession and fell dramatically when the housing bubble burst. In fact, national data from the House Price Index (HPI) shows that home… Read more

by Stephanie Horan Jan 16, 2020

As people age, their spending and saving patterns change. Major life events like buying a home, getting married or having kids may impact not only the rate at which people save, but also how they… Read more

by Stephanie Horan Jan 23, 2020

Census Bureau data from 2018 shows that millennials have a homeownership rate of 33.7%, well below the national average of almost 64%. Though the national rate of millennial homeownership is low,… Read more

by Stephanie Horan Jan 07, 2020

The average U.S. worker travels about 27.1 minutes to work and spends $2,600 annually on commuting costs, according to 2018 Census Bureau estimates and the Citi ThankYou Premier Commuter Index.… Read more

by Stephanie Horan Dec 20, 2019

Whether you’re a birth parent or an adoptive one, having children is costly. Given the variety of expenses prospective adoptive parents face, they must consider whether they have the savings to… Read more

by Stephanie Horan Dec 16, 2019

Finding steady income in a reliable sector is an important consideration for where Americans decide to put down roots and take out a mortgage. The manufacturing industry, one such robust sector,… Read more

by Stephanie Horan Dec 11, 2019

The stress of credit card debt is often felt the most at the end of the year, since Americans tend to put more on the plastic during the holiday shopping season. In fact, data from Experian shows… Read more

by Stephanie Horan Dec 11, 2019

As cost of living and taxes vary throughout the U.S., location is one of the biggest factors impacting how much money you need in retirement savings. That’s why many Americans wonder whether they… Read more

by Stephanie Horan Dec 04, 2019

When choosing where in the U.S. to settle down and take out a mortgage, people consider a variety of factors like housing costs, cost of living, safety and dining and entertainment options. It is… Read more

by Stephanie Horan Oct 16, 2020

December 4, 2019 – As the 2020 presidential race heats up, it’s important to remember there are significant political contests within the legislative branch, along with state and local elections,… Read more

by Stephanie Horan Nov 21, 2019

Like home prices, rent varies month to month in many cities. Rent is often higher in summer months than in winter ones, as more than 40% of all moves take place during the four months from May… Read more