Have you ever imagined a world where the hum of engines and the hunt for parking spaces are things of the past? For a growing number of Americans, that world is becoming a reality. More people than ever are choosing to live without owning a car, breaking a long-standing tradition that once seemed inseparable from ...
Have you ever wondered how you would handle a surprise medical bill or sudden job loss? The truth is, most Americans feel a jolt of anxiety just thinking about it. With rising living costs, unpredictable economies, and all the “what-ifs” life throws our way, building an emergency fund has never felt more urgent or overwhelming. ...
Have you ever felt torn between wiping out your debt and building up your savings? It’s a struggle that keeps many people awake at night, anxiously crunching numbers, wondering which path leads to real financial peace. Imagine standing at a crossroads, each path promising security but also carrying its own risks. The choice between paying ...
Have you ever wondered why some countries are suddenly eager to escape the grip of the U.S. dollar? It might sound surprising, but there’s a quiet rebellion unfolding in the world of money. For decades, the dollar has been like a king at the global table, calling the shots in trade and finance. But now, ...
Have you ever felt a rush of excitement followed by an overwhelming wave of uncertainty when you first started investing? If so, you’re not alone. Every year, countless new investors step into the markets hoping to build wealth, only to stumble over the same avoidable pitfalls that have tripped up generations before them. The journey ...
The Surprising Power Behind Neighborhoods The Surprising Power Behind Neighborhoods (image credits: unsplash) It might sound dull at first—zoning laws. But behind every lively street, peaceful suburb, or bustling downtown, these rules quietly shape the way we live, work, and connect. Imagine waking up to a coffee shop just downstairs or enjoying a leafy park ...
It’s shocking how two people living in the same country can feel like they’re worlds apart—especially when it comes to wealth. Imagine the bright lights and towering buildings of the city, where fortunes are made and lost every day. Now picture a quiet rural town, fields stretching for miles, but opportunity seems just out of ...
Do you ever lie awake at night wondering if your retirement savings will be enough? You’re not alone. The world feels more unpredictable than ever, and for millions of people, this uncertainty is shaking the very foundation of how we plan for our golden years. If the thought of outliving your savings or watching your ...
Rising Interest Rates Rising Interest Rates (image credits: unsplash) In 2025, a significant number of Americans are choosing to cancel their credit cards, and a major reason is the rise in interest rates. The Federal Reserve has been increasing these rates to control inflation, which has resulted in credit card interest rates climbing to around ...
The Rise of Digital Banking The Rise of Digital Banking (image credits: pixabay) Digital banking has swiftly transformed the way individuals manage their finances. In 2023, over 2 billion people globally were reported to use digital banking services, demonstrating a significant departure from traditional banking methods. This massive shift is largely driven by the convenience ...
Chris Divay, B.Sc. Finance
Matthias Binder, M.Sc. Financial Engineering
Axel Wellington, B.Sc. Economic Policy