If you have certain credit cards, you may occasionally receive credit alerts that tell you your credit score went up or down a few points. I get them regularly from my Capital One card, and I typically disregard them. In fact, if you’re also a senior, perhaps with no mortgage or car payments, and no interest in more credit cards, does your credit score even matter? Despite my flippant attitude toward my credit score alerts, credit scores for seniors do matter.

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Everyone loves acronyms. When it comes to stock market investing, for example, FOMO is often used to explain why investors suddenly jump in when the market rises at a breakneck pace. (FOMO = Fear of Missing Out.) When investors have FOMO, they’re desperate to get on board so they don’t get left behind as the market keeps going higher. (I think we know how that always ends for latecomers.)