True
AICPA + Ad Council

If you're like most people, you probably know it's hard to save money. Really hard. But do you know why?

Sure, we all know that one person who is really good at managing money and seems to have this whole saving thing figured out. But for the rest of us, storing all those "acorns" away for the winter is just tough. We all know it's important, but where — and how — do we even start?

First, know that you're not alone: Research shows that a lot of Americans don't have much in savings. One survey of about 5,700 people released by the Federal Reserve found that 46% of adults could not cover an emergency expense of $400 without selling something or borrowing money.

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Mozilla
True
Firefox

When I found out I was pregnant in October 2018, I had planned to keep the news a secret from family for a little while — but my phone seemed to have other ideas.

Within just a few hours of finding out the news, I was being bombarded with ads for baby gear, baby clothes and diapers on Facebook, Instagram and pretty much any other site I visited — be it my phone or on my computer.

Good thing my family wasn't looking over my shoulder while I was on my phone or my secret would have been ruined.

I'm certainly not alone in feeling like online ads can read your mind.

When I started asking around, it seemed like everyone had their own similar story: Brian Kelleher told me that when he and his wife met, they started getting ads for wedding rings and bridal shops within just a few weeks. Tech blogger Snezhina Piskov told me that she started getting ads for pocket projectors after discussing them in Messenger with her colleagues. Meanwhile Lauren Foley, a writer, told me she started getting ads for Happy Socks after seeing one of their shops when she got off the bus one day.

When online advertising seems to know us this well, it begs the question: are our phones listening to us?

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