The Current Landscape of Interest Rates The Current Landscape of Interest Rates (image credits: pixabay) Interest rates in the United States have reached heights not seen in more than twenty years, shaking up the very foundation of personal finance and the American Dream. By early 2024, the Federal Reserve’s benchmark rate was set between 5.25% ...
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 ...
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 found yourself hesitating before making a purchase you once wouldn’t have thought twice about? Across the country, millions of Americans are making tough choices about where their money goes. As prices rise and the world keeps changing, people are pulling back on old spending habits and putting their wallets away for things ...
Have you ever wondered how much your own spending habits have changed since the world turned upside down? The COVID-19 pandemic didn’t just bring masks and hand sanitizer to the forefront—it completely transformed the ways we spend our money. From the comfort of our couches, to the checkout lines at local shops, every purchase now ...
Have you ever wondered how much your own spending habits have changed since the world turned upside down? The COVID-19 pandemic didn’t just bring masks and hand sanitizer to the forefront—it completely transformed the ways we spend our money. From the comfort of our couches, to the checkout lines at local shops, every purchase now ...
Tipping Traditions: A Surprising American Habit Tipping Traditions: A Surprising American Habit (image credits: pixabay) Imagine finishing a delicious meal, only to feel a wave of confusion about how much to tip your server. For years, this has been the norm in the United States, where tipping anywhere from 15% to 20% is expected. Unlike ...
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 ...
Economic Uncertainty Economic Uncertainty (image credits: pixabay) Economic uncertainty is a significant factor causing Americans to delay major purchases. Many are apprehensive about the future, as economic indicators like inflation and potential recession loom large. A recent survey from the Federal Reserve indicated that nearly 60% of consumers feel uneasy about the economy’s stability. These ...
Overview of the Housing Market Trends Overview of the Housing Market Trends (image credits: unsplash) In 2025, Texas and Florida are both experiencing remarkable growth in their housing markets, each driven by unique factors. Texas has become a magnet for new residents due to its thriving job market and lower cost of living. The state ...
Jack Smith, B.Sc. Economics
Chris Divay, B.Sc. Finance
Chris Divay, B.Sc. Finance