Reality Check If you’re the first in your family to go to college, you don’t just pick a major—you pick a financing model. And that choice follows you longer than the dorm furniture. For too many people in the Financial...
Reality Check Your paycheck stops; your life doesn’t. It’s Day 31 of the shutdown. Rent is due today, the daycare draft hits tomorrow, and you’re staring at an empty “pending deposits” line like it’s a bad joke. You’re not alone....
The Plain‑English Take There was a time when a steady paycheck, a pension, and a gold watch weren’t a fantasy. They were the deal. If you put in decades, the company carried the risk: markets, longevity, healthcare. In the 1980s,...
Most middle-class households aren’t “bad with money.” They’re paying a quiet tax in fixed costs and frictions—housing, healthcare, childcare, and high-APR debt—that eat the raise before it ever hits savings. The way out isn’t hustle culture or guilt; it’s design....
