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Charts: Free to Reuse, Attribution Baked In

Updated August 7, 2026. Quick answer: 6 charts built from data we either measured ourselves or read from the primary source, free to reuse with attribution under CC BY 4.0. The source line and our URL are drawn inside each image, so the attribution travels even if the link does not. Each chart is plain SVG — no JavaScript, no tracking, no external request — so the embed below is the whole picture and nothing phones home.

How to use these

  • Embedding: use each chart’s view source and copy the <svg> element. It is self-contained — paste it into your page and it renders, with no file to host and no script to load.
  • Attribution: CC BY 4.0. Credit Clear Money Guide and, where the chart names an underlying publisher such as ACLI, the Federal Reserve or the BLS, credit them too — that credit is already inside the image.
  • The data behind each chart is linked from its caption below, and the figures are tracked in our register of numbers we keep current.

There are no PNG downloads, and we would rather say why than leave you looking for them. Producing raster images is outside what our publishing toolchain can do, and the alternatives — an external rendering service, or a hotlinked image host — would add exactly the kind of third-party dependency these charts are built to avoid. The SVG is the asset. Any browser or design tool will convert it if you need a raster copy.

US households with any life insurance, 1998–2022

US households with any life insurance, 1998–2022Share of all US households holding any life insurance. A quarter-century decline. Source: ACLI Life Insurers Fact Book 2025, Table 9.5, tabulating Federal Reserve SCF dataUS households with any life insurance, 1998–2022Share of all US households holding any life insurance. A quarter-century decline.199869.2%200465.4%201062.6%201661.1%201959.4%202256.0%The SCF is triennial; 2022 is the latest wave. Term and cash-value ownership overlap.Source: ACLI Life Insurers Fact Book 2025, Table 9.5, tabulating Federal Reserve SCF dataclearmoneyguide.com · CC BY 4.0
US households with any life insurance, 1998–2022 — free to reuse with attribution (CC BY 4.0). Source: ACLI Life Insurers Fact Book 2025, Table 9.5, tabulating Federal Reserve SCF data

Data and context: the page this chart belongs to · anchor #c-life-ownership-decline · source: ACLI Life Insurers Fact Book 2025, Table 9.5, tabulating Federal Reserve SCF data.

How often US jurisdictions require an LLC periodic report

How often US jurisdictions require an LLC periodic reportAll 51 jurisdictions. Seven require no report from an LLC at all. Source: Clear Money Guide, from state fee schedules and statutes (2026)How often US jurisdictions require an LLC periodic reportAll 51 jurisdictions. Seven require no report from an LLC at all.Annual36 jurisdictionsBiennial8No report at all7No-report states: AL, AZ, DE, MO, NM, OH, SC. Delaware still charges a $400 annual tax.Source: Clear Money Guide, from state fee schedules and statutes (2026)clearmoneyguide.com · CC BY 4.0
How often US jurisdictions require an LLC periodic report — free to reuse with attribution (CC BY 4.0). Source: Clear Money Guide, from state fee schedules and statutes (2026)

Data and context: the page this chart belongs to · anchor #c-llc-report-requirement · source: Clear Money Guide, from state fee schedules and statutes (2026).

Individual life policies voluntarily terminated in 2024

Individual life policies voluntarily terminated in 2024The same measure on two bases. Publishing only one is how this figure gets misstated. Source: ACLI Life Insurers Fact Book 2025, Tables 7.4 and 7.5Individual life policies voluntarily terminated in 2024The same measure on two bases. Publishing only one is how this figure gets misstated.By policy count7.9%By face amount5.8%By face amount: lapse 4.7% + surrender 1.1%. By policy count: 6.6% + 1.3%.Source: ACLI Life Insurers Fact Book 2025, Tables 7.4 and 7.5clearmoneyguide.com · CC BY 4.0
Individual life policies voluntarily terminated in 2024 — free to reuse with attribution (CC BY 4.0). Source: ACLI Life Insurers Fact Book 2025, Tables 7.4 and 7.5

Data and context: the page this chart belongs to · anchor #c-life-termination-bases · source: ACLI Life Insurers Fact Book 2025, Tables 7.4 and 7.5.

Retirement account balances by age: median vs mean

Retirement account balances by age: median vs meanComputed across ALL families, including the many at every age who hold nothing. Source: Clear Money Guide computation from Federal Reserve Survey of Consumer Finances 2022Retirement account balances by age: median vs meanComputed across ALL families, including the many at every age who hold nothing.45–54 mean$194,70055–64 mean$306,40465–74 mean$310,65145–54 median$20,28055–64 median$16,60065–74 median$5,500The gap between median and mean is the distribution: a few large balances pull the average up.Source: Clear Money Guide computation from Federal Reserve Survey of Consumer Finances 2022clearmoneyguide.com · CC BY 4.0
Retirement account balances by age: median vs mean — free to reuse with attribution (CC BY 4.0). Source: Clear Money Guide computation from Federal Reserve Survey of Consumer Finances 2022

Data and context: the page this chart belongs to · anchor #c-retirement-median-vs-mean · source: Clear Money Guide computation from Federal Reserve Survey of Consumer Finances 2022.

Household spending by age: median and mean

Household spending by age: median and meanSpending falls with age, and the mean runs well above the median in every cohort. Source: Clear Money Guide computation from BLS Consumer Expenditure PUMD 2024Household spending by age: median and meanSpending falls with age, and the mean runs well above the median in every cohort.55–64 mean$83,10265–74 mean$64,23275+ mean$54,91555–64 median$63,32365–74 median$50,06875+ median$41,548Means exceed medians by roughly 30% in each cohort, so an average overstates the typical household.Source: Clear Money Guide computation from BLS Consumer Expenditure PUMD 2024clearmoneyguide.com · CC BY 4.0
Household spending by age: median and mean — free to reuse with attribution (CC BY 4.0). Source: Clear Money Guide computation from BLS Consumer Expenditure PUMD 2024

Data and context: the page this chart belongs to · anchor #c-spending-by-age · source: Clear Money Guide computation from BLS Consumer Expenditure PUMD 2024.

The 2026 business mileage rate changed mid-year

The 2026 business mileage rate changed mid-yearA rare mid-year increase. A single rate applied to the whole year is wrong either way. Source: IRS, Standard mileage rates (read 2026-08-07)The 2026 business mileage rate changed mid-yearA rare mid-year increase. A single rate applied to the whole year is wrong either way.2026, 1 Jul – 31 Dec76.0¢2026, 1 Jan – 30 Jun72.5¢2025 (whole year)70.0¢Mileage logged in 2026 has to be split at 30 June, so the log needs dates in it.Source: IRS, Standard mileage rates (read 2026-08-07)clearmoneyguide.com · CC BY 4.0
The 2026 business mileage rate changed mid-year — free to reuse with attribution (CC BY 4.0). Source: IRS, Standard mileage rates (read 2026-08-07)

Data and context: the page this chart belongs to · anchor #c-mileage-2026-split · source: IRS, Standard mileage rates (read 2026-08-07).

License and citation

All charts on this page are released under CC BY 4.0. You may reuse, adapt and republish them, including commercially, with attribution. We will not ask for a link in return, though we would rather you linked the page the data comes from than this gallery.

Suggested citation: “[Chart title],” Clear Money Guide, 2026, clearmoneyguide.com/charts/, citing the source named in the image.

Corrections welcome and acted on: if a figure here is wrong or has been superseded, tell us at [email protected] and we will fix the chart and say so on our corrections page. The shelf starts small on purpose — every chart here is built from a dataset we can defend line by line, and it grows as more of them reach that standard.

The same licence covers our printable guides: eleven handouts for benefits counsellors, librarians and social workers, with the attribution printed on the paper.

For journalists and newsletter writers: the newsroom pairs these charts with paste-ready statistics and the datasets behind them.

Reusing any of this? One licence covers all of it — free to reuse, adapt and republish, including commercially, with attribution. No permission needed. Figures we quote from the IRS, SSA, BLS or a state agency belong to their publishers and should be cited to them, with the data year.