Money & Economics
How rates, inflation, credit, and cycles actually work — and what they do to your money. Start with the Economic Cycles Explorer: twelve short lessons on why an economy moves in cycles rather than a straight line, plus compiled tables of every U.S. recession since 1929 and the Fed’s policy-rate cycles.
The Fed’s Dot Plot vs. Reality: 44 Rate Projections Checked Against What Happened
The Fed raised rates on September 16, 2026. Here are 44 of its own dot-plot projections since 2015,…
Quantitative Easing and Tightening Explained: How the Fed ‘Prints Money’ and Takes It Back
QE creates reserves to buy bonds; QT lets them run off. Every round since 2008, measured from the…
The Power of Compounding Explained: Why Time Beats Timing
Compounding is earning returns on your returns, and it is exponential, not linear. The formula, the Rule of…
The Lever You Actually Control: Why Your Savings Rate Beats Your Return for Years
For the first decade or two, how much you save matters more than what you earn on it…
Nominal vs Real Return: Why Your 7% Isn’t 7%
Your statement number and what it can buy are different things. Real return, the exact Fisher formula (not…
Why Interest Rates Move Markets: A Beginner’s Guide to the Fed
When the Fed moves rates, stocks and bonds move too. The four channels — borrowing costs, bond prices,…
What Is Inflation, Really? A Plain-English Breakdown
Inflation isn’t just ‘things are expensive right now.’ What it really is, how CPI and PCE measure it,…
What Is APR vs APY? The Difference That Costs You Thousands
APR is what you pay to borrow; APY is what you earn to save — and APY includes…
The Yield Curve Inversion, Explained Without the Jargon
An inverted yield curve is the recession signal everyone quotes and few explain. What the curve is, why…
Stagflation 101: What It Is and Why Everyone’s Talking About It Again
Stagflation — high inflation with weak growth and rising unemployment — was supposed to be impossible. What it…