The hottest Financial Literacy Substack posts right now

Consider alternatives to college if your child doesn't have a clear need for it.
Establish a strong parent-child relationship before sending your child to college.
Leverage financial support and educational resources to counteract potential brainwashing in colleges.

Understanding the companies you invest in is crucial.
Reading a 10-K provides all the necessary information about a stock.
A 10-K is an official document that includes sections on business, risk factors, financial statements, and management discussions.

The gender wealth gap can start from childhood with differences in pocket money and how boys and girls are taught to manage money.
Couples often have unequal financial dynamics, with women shouldering more unpaid domestic work and facing financial vulnerabilities during and after relationships.
It's important for women to prioritize financial independence, have open conversations about money, and be aware of economic abuse in relationships.

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.
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.
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.

Banks are for-profit while credit unions are non-profit. Credit union customers have more ownership and transparency in decision-making.
Credit unions usually offer higher interest rates on savings and have lower fees compared to banks.
Credit unions tend to be more flexible in customer service and product offerings, while banks typically have more branches and services.

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Teaching financial literacy to kids is crucial, especially in times of economic uncertainty.
Seeking help and support during financial stress is important for mental well-being.
Utilize resources like educational tools and games to teach children about money management.

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.
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.
Seeking help from tax experts, understanding company factors, and avoiding procrastination are key strategies for managing stock options effectively as a startup employee.

ESG investing is becoming more popular among retail investors, especially in Europe.
Wealthier investors are more likely to allocate funds to green stocks compared to brown stocks.
There may be a link between higher education, wealth, and investing in green stocks.