A Manifesto of Good Financial Services: Building Systems That Serve People, Not Exploit Them
“Finance is the nervous system of the modern world — and like any system, it must serve the body, not feed on it.” We live in a time of unprecedented financial technology and access. In just a few taps on a screen, you can transfer money across the world, apply for a mortgage, or invest […]
How to Stay Resilient During a Market Bloodbath
The markets are bleeding. You see the red lines, the graphs that nosedive like a broken elevator, the anxious headlines warning of doom. For self-employed workers—those of us without a guaranteed paycheck or corporate safety net—this volatility hits different. There’s fear, sure. But there’s also that nagging voice: Did I do something wrong? Should I […]
Why Buy Your First Home in the Off-Season?
Buying your first home is a major financial milestone, and for many, it can feel like navigating an emotional rollercoaster. From finding the perfect property to securing financing, the entire process is often filled with excitement, anticipation, and yes, anxiety.
Why a Car Note is a Waste of Money: Why Gen Z Should Pass
As a member of Gen Z, you’re entering the workforce at an exciting time. You’ve likely heard about the importance of financial independence and wealth-building. But while you’re focused on starting your career, you’re also bombarded with messages pushing you to buy the latest, most expensive cars with tempting financing offers. However, taking on a car note (monthly payments on an auto loan) might not be the best decision when you’re just starting out.
Ready to Buy a Home? Understanding and Improving Your Debt-to-Income (DTI) Ratio for a Smooth Homebuying Experience
Buying your first home is an exciting journey, but it’s also a major financial decision. While you may already be thinking about home inspections, offers, and location, there’s one key aspect of mortgage approval that often gets overlooked until it’s too late: your Debt-to-Income (DTI) ratio. Understanding what this ratio is, how it’s calculated, and how it impacts your mortgage approval is critical to securing the best mortgage rates and setting yourself up for a successful homebuying experience.
The Benefits of a Credit Score Above 720
A high credit score is more than just a number; it’s a gateway to numerous financial benefits and opportunities. For many, achieving a credit score above 720 is a significant milestone, opening doors to better loan terms, lower interest rates, and a range of financial perks. This blog post explores the advantages of maintaining a credit score above 720 and how it can positively impact various aspects of your financial life.