articles
How to Calculate Home Affordability: A Practical Guide with Mortgage Calculator Buying a home is one of the biggest financial decisions you’ll ever make. Yet, many people rely on broad rules of thumb or guesswork to determine how much house…
The Great American Lockout: Why Homeownership Is Now Out of Reach in 2025 Executive Summary The U.S. housing affordability crisis has reached catastrophic levels in 2025, with 79% higher income now required to buy a median-priced home compared to 2020. This 2,500-word…
🧭 Introduction: 11 Essential Money Questions to Master by 30 Turning 30—or any major milestone—should be a financial checkpoint. 11 key questions you need to ask yourself—about net worth, investments, retirement savings, emergency funds, debt, insurance, and more—to build a…
Sequence of return risk is a stealthy threat to retirees: even if two people earn the same average returns, the order of those returns can make one person run out of money decades earlier than the other kitces.com. In other…
In today’s economy many people pursue side hustles – part-time ventures outside their main job – to earn extra cash. According to a Bankrate survey, 41% of side-hustlers cite “making ends meet” as their reason for starting one sidehustlenation.com. One…
Economic and Strategic Fallout of the 12-Day Israel–Iran War In mid-June 2025, Israel launched a sudden air campaign against Iranian nuclear and military sites (starting June 13) that sparked a brief but intense 12-day war. A ceasefire took effect on…
Murray Rothbard’s Man, Economic system, and State (MES) is among the two best books on free market economics of the 20th century. The opposite, in fact, is Ludwig von Mises’s Human Motion. Rothbard at first supposed his e-book to be an easier-to-understand guidebook…
Big Pink and the Downfall of Downtown Portland: A Case Study in Urban Decay Once a symbol of economic vitality and architectural pride, the U.S. Bancorp Tower—better known as Big Pink—now stands as a stark reminder of Portland’s urban decline.…
In his controversial e-book Softwar: A Novel Idea on Energy Projection and the Nationwide Strategic Significance of Bitcoin, US Area Power officer Jason Lowery presents Bitcoin, not as cash or a market asset, however as a weapon of nationwide protection.…
One of many sizzling subjects in US financial coverage is whether or not Washington ought to observe a “super-loose” method endorsed by Jay Powell or an “ultra-loose” method demanded by President Trump. Beneath the guise of Fed independence—an apparent fallacy—the…
