The Credit Card Trap: Why Paying Off High-Interest Debt Should Come First
The data is in: credit card delinquencies are at a 15-year high, yet unemployment remains low. This suggests the “debt trap” isn’t a personal failure of willpower—it’s a systemic gap between the cost of living and stagnant wages. In this article, I break down why eliminating 20% revolving debt is actually the highest-return, lowest-risk “first investment” you can make, and provide a 5-step priority shift to reclaim control of your financial system before you ever place a trade.
When “AI Trades for You”: How Working-Class Investors Should Evaluate Automated Trading Claims
“AI trading” is often marketed as a shortcut to consistent profits. But behind the claims are systems, risks, and assumptions that many investors don’t fully understand. This article explains how working-class investors can evaluate automated trading tools and make more informed decisions.