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.
Short-Term vs Long-Term Debt Cycles: Why This Distinction Matters for Your Money
There are two debt cycles: a short one you live through often and a long one that comes…
Recession Indicators: Which Ones Actually Predict Downturns?
Which recession indicators work? The yield curve, the Sahm rule and the LEI — their real track records,…
The Economic Machine Explained: How Credit, Debt, and Cycles Actually Work
Most of what we call money is credit. Ray Dalio’s framework for how credit, debt and the two…
How Credit Scores Actually Work: A Data-Driven Breakdown
A credit score is a weighted formula, not a mystery: two factors decide about two-thirds of a FICO…
How Banks Actually Create Money (It’s Not What You Think)
Almost none of the money in your account was ever printed. The balance-sheet mechanics of how banks actually…
Good Debt vs Bad Debt: A Framework for Every Financial Decision
‘Good’ and ‘bad’ debt are not fixed labels. A framework that judges any loan by three tests: what…
Emergency Fund Math: How Many Months of Expenses Do You Actually Need?
How much emergency fund do you need? The size is one multiplication — but which expenses you count…
The Real Cost of Carrying Credit Card Debt (With the Math)
The real cost of credit card debt: paying only the minimum on $5,000 at 22% takes ~19 years…
Assets vs Liabilities: The Simple Distinction That Changes How You Spend
Assets vs liabilities explained: the accounting definition, the cash-flow reframe that changes how you spend, and the honest…