The hottest Financial Literacy Substack posts right now

And their main takeaways
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Top Finance Topics

My 6 Rules of Money

The Honest Broker • 16955 implied HN points • 11 Feb 25
💰 Finance Personal Finance Wealth Management Investment Strategies Financial Literacy
  1. Money doesn't guarantee happiness. An athlete with a $100 million net worth felt miserable after retirement because he missed the purpose and routine sports provided him.
  2. Having goals and a sense of purpose is crucial for personal fulfillment. The athlete struggled to find meaning in life once he lost the structure that sports gave him.
  3. Simply having wealth can lead to a feeling of emptiness without passion or direction in life. It's important to have interests and commitments that keep you engaged beyond financial success.

Americans Are In Love With Stocks

Spilled Coffee • 52 implied HN points • 08 Jan 25
💰 Finance Investing Market Trends Financial Literacy Retirement planning Stock Market
  1. The percentage of American households investing in stocks is at an all-time high, showing strong interest in the stock market. Many people now understand how important it is to invest for their future.
  2. Over half of Americans believe stock prices will keep rising. This can be seen as optimistic, but some worry it's a sign that the market may soon turn downward.
  3. Educational efforts around investing have improved, making it easier for people to understand the importance of stocks. This is helping more individuals make informed investment decisions.

The Curse of Understanding Finance

We're Gonna Get Those Bastards • 11 implied HN points • 22 May 25
💰 Finance Investment Economics Market Analysis Debt Management Financial Literacy
  1. The bond market reacts strongly to government budget issues, which can lead to serious financial problems. If interest rates rise too high, it could lead to government insolvency and hyperinflation.
  2. Many people don't understand finance and ignore warnings about spending and deficits. This lack of knowledge can make it hard for them to see how these issues affect their daily lives.
  3. Understanding finance is important for protecting oneself during economic troubles. Those who do understand can take proactive steps while others may remain unaware of the risks.
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Le couple et l’argent : Pourquoi les hommes sont plus riches que les femmes ?

L'Atelier Galita • 339 implied HN points • 20 Oct 23
🏥 Health & Wellness Gender Equality Financial Literacy Relationships Empowerment Parenting
  1. The gender wealth gap can start from childhood with differences in pocket money and how boys and girls are taught to manage money.
  2. Couples often have unequal financial dynamics, with women shouldering more unpaid domestic work and facing financial vulnerabilities during and after relationships.
  3. It's important for women to prioritize financial independence, have open conversations about money, and be aware of economic abuse in relationships.

The Case for Fiat

The Dollar Endgame • 159 implied HN points • 23 Sep 23
💰 Finance Monetary Systems Economic Theory Financial Literacy Cryptocurrency Wealth Inequality
  1. The fiat system's survival doesn't depend on morality, as history shows evil systems have persisted. People may feel powerless against organized evil but may also become complicit in it.
  2. The fiat system, flawed as it is, has worked to lift many out of poverty and fuel innovation. Everyday citizens often lack the financial and political knowledge to make informed decisions about the system.
  3. Bitcoin's adoption faces hurdles as the majority may not share the beliefs of its proponents. Transitioning to a new system might lead to short-term pain and disparities, impacting various demographics differently.

Big Banks and Credit Unions- An overview[Finance Fridays]

Technology Made Simple • 119 implied HN points • 26 May 23
💰 Finance Banking Investing Personal Finance Comparison Financial Literacy
  1. Banks are for-profit while credit unions are non-profit. Credit union customers have more ownership and transparency in decision-making.
  2. Credit unions usually offer higher interest rates on savings and have lower fees compared to banks.
  3. Credit unions tend to be more flexible in customer service and product offerings, while banks typically have more branches and services.

Inflation - what's it all about?

Concepts of Finance 🧠 • 159 implied HN points • 10 Feb 23
💰 Finance Economics Investments Monetary Policy Financial Literacy
  1. Inflation means prices are going up, which affects how much you can buy with your money. This can make it harder to afford everyday things like food and housing.
  2. The consumer price index (CPI) is used to measure inflation by looking at the average cost of common items. Experts track how these prices change over time to understand inflation rates.
  3. Sometimes inflation can be good for the economy because it shows increased demand for goods. However, if wages don't keep up with rising prices, it can create financial strain for many people.

Navigating stock options as a startup employee

startupdiaries • 2 HN points • 07 Feb 24
💼 Business Stock Options Financial Literacy
  1. Stock options at startups are like a game, involving timing, decision-making, and outside factors. Winning involves considering personal circumstances, minimizing tax burdens, and finding peace of mind.
  2. There are various types of startup employees when it comes to dealing with stock options. They range from beginners overwhelmed by jargon to experienced veterans who have navigated stock options successfully in the past.
  3. Seeking help from tax experts, understanding company factors, and avoiding procrastination are key strategies for managing stock options effectively as a startup employee.

💰5 Types of Wealth

The Wisdom Project • 0 implied HN points • 09 Feb 25
🚌 Education Personal Growth Self-help Financial Literacy Productivity Mental health
  1. Don't assume that reaching a goal will make you happy. True satisfaction comes from the journey, not just the destination.
  2. Time is your most valuable asset. Spend it wisely and focus on activities that truly matter to you.
  3. Build strong relationships and regularly check in with people who matter most in your life. Connections are a vital part of your overall wealth.

Lại chuyện tiền nong

Thái | Hacker | Kỹ sư tin tặc • 0 implied HN points • 28 Oct 09
💰 Finance Personal Finance Investing Debt Management Financial Literacy Wealth Building
  1. Managing personal finances is crucial to avoid stress and missed opportunities. Recognizing financial ignorance and starting to learn can significantly improve your financial situation.
  2. Avoid accumulating debt whenever possible, as it can lead to financial stress and affect your overall well-being. Make informed decisions when it comes to borrowing or using credit cards.
  3. Investing in yourself and saving a portion of your income is essential for long-term financial stability. Consider different investment options, such as savings accounts, and be cautious with riskier ventures like stocks or real estate.