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U.S. Economy

The Real Reason Banks Love Cash Out Refinances

For decades, refinancing has been one of the most important tools available to homeowners looking to adjust their mortgage strategy. Traditionally, most borrowers viewed...

Why HELOC Demand Often Increases During Financial Uncertainty

Periods of financial uncertainty often change the way consumers think about money. When households face rising costs, unpredictable economic conditions, concerns about job stability,...

How Much Debt Is Too Much? A Practical Household Guide

Debt has become a normal part of modern household finances. For many consumers, borrowing is not necessarily a sign of financial trouble. Mortgages help families...

Will Digital Lenders Overtake Traditional Banks in Mortgage Origination?

For generations, obtaining a mortgage was closely associated with traditional banks. Homebuyers and homeowners looking to refinance typically visited a local branch, met with...

Why Side Hustles Aren’t Closing the Wage Gap

For much of the past decade, side hustles have been sold as a financial safety valve. When wages lag, the thinking goes, workers can...

Climate Risk Is Now a Household Budget Issue: The New Financial Reality for American Families

For years, climate change was treated as a national or global challenge, something for policymakers, insurance companies, and environmental agencies to solve. But in...

Is the Insurance Industry Prepared for the Climate Era?

For decades, insurance has quietly served as the financial shock absorber of American life. Hurricanes, floods, droughts, and wildfires insurers paid, rates rose modestly,...

Is the Insurance Industry Prepared for the Climate Era?

For decades, insurance has quietly served as the financial shock absorber of American life. Hurricanes, floods, droughts, and wildfires insurers paid, rates rose modestly,...

Auto Insurance Inflation: The Hidden Economic Story No One Is Talking About

On paper, U.S. inflation is cooling. Headline CPI has come off its 2022 peak. Wages are growing modestly. Some consumer costs have stabilized. Yet for...

Why American Families Are Struggling More Despite Wage Growth

For more than a year, policymakers have pointed to one bright spot in an otherwise complicated economy: wages are rising. On paper, that’s true....

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