You walk into a bank to open a savings account and the teller asks: “Would you like a traditional savings, high-yield, money market, or CD?” You nod like you understand, but inside you’re thinking: “Aren’t they all just places to put money?” You open a “high-yield” account because it sounds impressive, then discover you can’t … Read more
You check your bank statement and spot a $14.99 charge for “Premium Fitness”—but you quit that app six months ago. There’s a $7.99 for “Cloud Storage Pro” you don’t remember signing up for. A $4.99 “News+ Premium” that auto-renewed after the free trial you forgot to cancel. These aren’t fraud; they’re financial amnesia. They’re the … Read more
Your car makes a grinding noise that means a $600 repair—except your checking account shows $47 until next Friday. The dentist says you need a crown that costs $1,200 out-of-pocket, and your credit card is already maxed. Your hours get cut at work, and suddenly rent seems impossible. These aren’t hypotheticals; they’re the reasons you … Read more
You open your banking app and see a charge for $43.78—except you have no idea what you bought. Your credit card statement shows seventeen food delivery transactions this month, but you can’t recall ordering that often. You download a “budget spreadsheet” with 47 categories and abandon it after three days. These aren’t signs of financial … Read more