BNPL Traps: Holiday Shopping’s Siren Song of Debt The holiday season is upon us, and with it comes the temptation to splurge. This year, “buy now, pay later” (BNPL) services are luring consumers with promises of easy, interest-free installments. But…
IRS Scraps Direct File: A Blow to Free Tax Filing In a move that could impact millions of taxpayers, the Internal Revenue Service (IRS) has announced the discontinuation of its Direct File program, a pilot initiative launched in 2024 that…
Across America, families are facing unprecedented financial pressures, forcing them to turn to crowdfunding platforms like GoFundMe for basic necessities. While GoFundMe has become a ubiquitous tool for everything from medical expenses to dream vacations, its increasing use for everyday…
The French Retirement Paradox: A Lesson for Social Security Reform? The looming crisis surrounding the solvency of the U.S. Social Security system demands immediate attention. While various proposals for reform are circulating, a recent observation by economist Tyler Cowen highlighting…
