Why Traditional Emergency Advice Falls Short Why Traditional Emergency Advice Falls Short (image credits: unsplash) Here’s the shocking truth most financial gurus won’t tell you: Nearly 40% of Americans aren’t prepared to handle a $400 emergency expense. Even worse, 42% of Americans don’t have an emergency fund at all, while 59% of Americans wouldn’t cover ...
The Real Deal Behind House Flipping Numbers The Real Deal Behind House Flipping Numbers (image credits: unsplash) Here’s a fact that might surprise you: the median resale price of flipped homes nationally in Q1 2024 was $312,375, generating a gross profit of $72,375 above the median investor purchase price of $240,000. That’s not pocket change ...
Diversification: The Timeless Strategy Diversification: The Timeless Strategy (image credits: pixabay) Diversification continues to stand tall as a crucial approach to building a resilient investment portfolio. By spreading investments across different asset classes such as stocks, bonds, real estate, and commodities, investors effectively reduce the risk of major losses from a single sector’s downturn. The ...
Zero-Based Budgeting Zero-Based Budgeting (image credits: unsplash) Zero-based budgeting stands out as a favorite among financial planners because it requires you to give every dollar a specific job. Instead of letting money disappear into the void, this method makes you account for every cent—right down to the last dollar. Remarkably, a 2024 survey by the ...
The Evolving Definition of Wealth The Evolving Definition of Wealth (image credits: pixabay) For generations, wealth was measured by the balance in your bank account or the assets you owned. But those days are slipping away. A recent 2024 survey by the Wealth Institute showed that 72% of people now believe wealth is about more ...
Understanding 24/7 Markets Understanding 24/7 Markets (image credits: pixabay) It’s almost surreal—financial markets now hum with activity every hour of every day. The old idea that trading shuts down at 4 PM is no longer true for much of the world. Modern digital platforms have unlocked new doors, allowing anyone with an internet connection to ...
Myth 1: Checking Your Own Credit Score Hurts It Myth 1: Checking Your Own Credit Score Hurts It (image credits: unsplash) It’s shocking how many people still hesitate to check their own credit score, fearing it will drop just by peeking. The truth is, checking your own score is considered a “soft inquiry” and has ...
The Surprising New Reality of Family Finances The Surprising New Reality of Family Finances (image credits: pixabay) Picture this: families everywhere are sitting around kitchen tables, receipts spread out, calculators in hand, eyebrows furrowed in concentration. It’s not just a scene from the past—this is 2025, and more households than ever are revisiting their budgets ...
Have you ever wondered why a cup of coffee costs so much more in San Francisco than in Des Moines? The cost of living across America is not just a number on a chart—it’s the difference between feeling secure and struggling to make ends meet. In 2025, these differences are more pronounced than ever, affecting ...
It’s no secret: the world of investing is changing fast, and it’s being shaped by a new wave of young investors who see things very differently from previous generations. If you’ve ever wondered why your 25-year-old niece is buying shares in a company you’ve never heard of or why your son is obsessed with “ESG” ...
Jack Smith, B.Sc. Economics
Chris Divay, B.Sc. Finance
Chris Divay, B.Sc. Finance