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How Do Fed Interest Rates Affect Your Money?
This week The Federal Reserve raised its benchmark rate by 0.25 percentage points, to a target range of 3.75%–4.00% — its first increase since…
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Market Volatility: What It Is, Why It Happens, and How to Manage It
Market volatility indicates how much and how quickly the prices of stocks, bonds, indexes, funds, and other financial instruments rise or fall. Volatility can’t be eliminated, but it can be…
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Why Most People Can’t Beat the Market
Choosing in advance which stock will perform best is difficult, even for professional investment teams. Over long periods, most actively managed U.S. large-cap funds have not outperformed the S&P 500.…
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Personal Inflation: Calculate Your Real Cost of Living
Your personal inflation rate is how much your cost of living rose based on where your money actually goes. The official number — 3.4% in July 2026, according to the…
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Why Don’t Gas Prices Go Down When Oil Prices Fall?
$5.36 Price per gallon in California (July 27, 2026) $3.55 Price per gallon in Texas (July 27, 2026) 51.9% Share of the price that’s crude oil 42 gal. What one…
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Betting Isn’t Investing: The Real Path to Financial Freedom
WB Walter Boza Finhabits · Financial Education $170 billion legally bet on sports in the U.S. in 2025 ~96% of online sports bettors lose money Up to 30% house edge…
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Who Actually Won the World Cup? The Tournament, By the Numbers.
WB Walter Boza Finhabits · July 17, 2026 · 6 min read Everyone’s asking who’s going to lift the trophy Sunday. But when it comes to money, the World Cup…
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Custodial Accounts: What They Are, How They Work, and What They Do
A custodial account is an investment account that an adult opens and manages on behalf of a minor. The money belongs to the minor from the first deposit — you…
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The Gap Between What People Think Life Insurance Costs — and Reality
$2,000 What people guess a $250k policy costs per year ~$200 Approximate annual cost estimate for a healthy person under 30 — individual rates vary 102M Americans who say they…
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Financial Freedom: What It Actually Means and the 4 Pillars to Get There
Financial freedom. It sounds like something big — almost out of reach. Like it’s reserved for people with a lot of money, a lot of time, or a lot of…