For decades, financial resilience, the ability to absorb shocks without falling into crisis was a mix of personal effort and institutional support. Employers provided...
Economic reports often tell a reassuring story: unemployment is low, GDP is growing, wages are rising. On paper, the economy looks healthy. For many...
For years, homeowners were told that rising home values would offset the costs of ownership. Maintenance expenses, the logic went, were simply part of...
For years, climate change was treated as a national or global challenge, something for policymakers, insurance companies, and environmental agencies to solve. But in...
For years, rising home prices dominated the housing affordability conversation. Then mortgage rates took center stage. Now, a quieter but potentially more destabilizing force...
For decades, financial resilience, the ability to absorb shocks without falling into crisis was a mix of personal effort and institutional support. Employers provided...
An insight driven look at America’s growing dependence on borrowed money.
Introduction: Credit as the New Emergency Fund
For decades, U.S. households were encouraged to build...
For decades, the American middle class was treated as a position of stability. Not wealthy, not struggling, but insulated. A steady job, a mortgage,...
