Personal finance, investing, fintech, banking, credit, insurance, cryptocurrency, and financial planning.
Masters Week generates $8.5M in rental revenue for Augusta. The Augusta Rule makes it tax-free, and it applies to every homeowner in America.
Marcus Williams·9 min read
FinanceThe 2026 contribution limit is $7,500. Your money grows tax-free and you never pay taxes on withdrawals in retirement. Here are the rules.
Marcus Williams·10 min read
FinanceThe Capital One Venture X effectively costs $5/year after credits. The Amex Platinum costs $895. The Chase Sapphire Preferred is the right starter card.
Marcus Williams·10 min read
Finance72% of American workers now rely on secondary income. Most of them aren't making $10K/month from their couch. Here's what realistic side hustle earnings actually look like.
David Okonkwo·11 min read
FinanceThe best high-yield savings accounts in April 2026, ranked by someone who thinks your bank is robbing you.
Marcus Williams·13 min read
FinanceYou need a brokerage account (free), one index fund, and an automatic monthly transfer. Everything else the finance industry tells you is optional, and most of it is designed to take a percentage of your money for doing what you could do yourself in 20 minutes.
Marcus Williams·13 min read
FinanceThe average FICO score is 714. Nearly half of Americans now score 750 or above. And the single fastest way to raise your score has nothing to do with "paying your bills on time."
Marcus Williams·14 min read
FinanceAmericans owe $1.28 trillion in credit card debt. The average APR is nearly 23%. And yet every "best credit cards" article leads with rewards rates instead of asking the only question that matters: do you carry a balance?
Marcus Williams·14 min read
FinanceThe average American pays $2,524 a year for full coverage car insurance. The average American who bothered to shop around in the last two years pays 20% less. One of these groups is making a mistake, and it's not the second one.
Marcus Williams·10 min read
FinanceThe SAVE plan is dead. PAYE and ICR are sunsetting. 7.5 million borrowers have 90 days to pick a new repayment plan or get auto-enrolled into one they didn't choose. Here's the actual state of student loan forgiveness in 2026, minus the political spin from both sides.
Marcus Williams·9 min read
FinanceThe median American household currently spends about 47.7% of its income on housing costs, well above the recommended 30% threshold. Mortgage rates sit near 6.5%. The median home price is around $400,000. And only 21% of homes currently listed are affordable to a median-income household. The gap between "what a lender will approve" and "what you should spend" has never been wider.
Marcus Williams·8 min read
FinanceThe 30-year fixed mortgage rate averaged 6.46% this week. Rates briefly dipped below 6% in late February before climbing back up. The median existing home price is $407,500. First-time buyers now represent just 24% of all home purchases, the lowest share on record. The mortgage calculator on every bank's website will tell you what you can borrow. It will not tell you what you should borrow. Those are very different numbers.
Marcus Williams·8 min read