Things Worth Noting
The U.S. national debt has surpassed $38 trillion, driven by years of budget deficits, rising interest costs, and growing entitlement obligations. Debt now equals more than 121% of GDP, with interest payments increasingly straining federal resources. Major contributors include high spending on defense, healthcare, and social programs, along with slower revenue growth from an aging […]
The U.S. Mint has ended production of the penny after 232 years. The final one-cent coins were struck in a ceremonial event at the Philadelphia Mint on November 12, 2025. Making each penny cost over 3 cents in recent years, leading to millions in annual losses, which made continued production unsustainable. Pennies will remain legal […]
In 2025, top side hustles for extra income include freelance AI content creation ($30–$100/hr), affiliate marketing ($250–$1,000/mo via niche blogs), dropshipping (under $100 startup, $500–$5,000/mo), online tutoring ($20–$50/hr plus course sales), rideshare/delivery ($15–$30/hr), pet sitting ($20–$40/session), item flipping ($500–$3,000/mo), virtual assistance ($20–$50/hr), digital product sales ($300–$2,000/mo passive), and rentals/investments ($200–$1,000+/mo). Start small, use AI tools, […]
In an era of economic uncertainty, with inflation stabilizing but fiscal pressures mounting, building wealth from nothing remains a realistic pursuit for those committed to discipline, patience, and strategic action. Whether you’re starting with zero savings or burdened by debt, the path to financial independence involves cultivating a growth mindset, setting clear financial goals, and […]
Saving money won’t make you rich—inflation erodes its value, and low returns in savings accounts or high-yield options fail to beat rising costs. Over time, your nest egg loses real purchasing power. Instead, invest in the stock market, where historical S&P 500 returns average 10% annually through compound interest and capital gains. Diversify with index […]
Investing can be a powerful tool for building wealth, achieving financial goals, and securing a comfortable future. However, the journey is fraught with pitfalls that can derail even the most well-intentioned investors. From emotional investing to neglecting research, the mistakes people make when investing are often predictable—and avoidable. This comprehensive guide dives deep into the […]
Improving your credit score is a gradual process with no quick fixes. Start by checking your credit reports for errors, pay bills on time, reduce credit card balances, and avoid closing old accounts. Diversify your credit mix and limit new account openings. Set payment reminders, negotiate with creditors if needed, and consider secured credit cards […]
The Federal Reserve, or “the Fed,” is the central bank of the United States. It was established in 1913 to provide a more stable and flexible monetary and financial system. The Fed is responsible for setting monetary policy to promote economic growth, stabilize prices, and maintain full employment. It uses tools such as open market […]