Business & Money
Roth vs Traditional IRA: Which Wins?
Roth vs traditional IRA: pay tax now or later? A clear decision framework, worked example, withdrawal rules, RMDs, and conversion strategy explained.
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Marcus Webb
Business & MoneyBusiness analyst and personal finance advocate helping readers navigate markets and money.
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Articles by Marcus Webb(30)
Business & Money
What Is a High Yield Savings Account?
What is a high yield savings account? Learn how HYSAs work, why rates are higher, FDIC insurance, variable rates, and when to use one vs a CD or money market.
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Business & Money
Custodial Roth IRA: The Complete Guide
A custodial Roth IRA can give your child a decades-long head start on retirement. Learn the rules, contribution limits, and compounding math that make it powerful.
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Business & Money
403b vs 401k: Key Differences Explained
403b vs 401k: side-by-side breakdown of investment options, fees, the 15-year rule, vesting, and which plan wins for your career. Updated guidance inside.
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Business & Money
Is the Dollar Losing Its Reserve Status?
The dollar's role as the world's reserve currency, who is trying to move away from it, why a collapse is unlikely, and how to diversify.
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Business & Money
Yen Carry Trade: Why Japan Moves US Markets
How the yen carry trade works, why Bank of Japan rate moves can shake US stocks and bonds, and what it means for your portfolio.
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Business & Money
What Is Private Credit? Risks for Investors
What private credit is, why it grew so fast, how everyday investors get exposed through BDCs and funds, and the risks behind the higher yield.
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Business & Money
How Fed Interest Rates Affect Your Money
How Fed rate hikes and cuts reach your credit cards, mortgage, savings, bonds and stocks — with worked examples and what to do when rates change.
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Business & Money
Why Bond Yields Drive Stock Prices Down
Bond yields are rattling equity markets. Here's exactly how rising rates reprice stocks, which sectors get hit hardest, and what disciplined investors do next.
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Business & Money
Why the US Government Wants Bitcoin Prices Higher
The White House is accumulating Bitcoin to strengthen its balance sheet. Here's what that means for investors, the dollar, and how to invest in Bitcoin smartly.
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Business & Money
How a UFC Legend Exposed a $100M Fund Scam
Randy Couture accidentally unravelled what investigators believe is a Ponzi scheme promising 100%+ annual returns. Here's what every investor needs to know.
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Business & Money
How to Find the Right Financial Advisor
Not everyone needs a financial advisor — but when you do, the stakes are high. Here's exactly what to look for, what to ask, and how to avoid costly mistakes.
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Business & Money
US Bitcoin Reserve: What It Means for Investors
The US now holds 328,000 Bitcoin worth ~$25bn. Here's what the strategic reserve means for prices, the dollar, and how to invest in Bitcoin from the UK.
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Business & Money
Where Cash Earns the Most: A Clear Breakdown
Savings accounts, CDs, T-bills, or money market funds — find out where your cash earns the highest yield and how taxes change the math entirely.
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Business & Money
The 4% Rule: 30 Assumptions You Must Know
The 4% rule rests on 30 explicit and hidden assumptions. Know every one before you build your retirement income strategy around it.
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Business & Money
Is It a Buyer's Market? What the Data Says
New homes now cost less than existing ones. Inventory has tripled. Here's what the housing data actually means for buyers and sellers right now.
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Business & Money
Housing Market Crisis: What Rising Rates Really
Mortgage rates near 7.5%, bond yields at 20-year highs. Here's what rising interest rates really mean for home prices, investors, and your finances.
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Business & Money
How a Simple Web Game Earns $40K Monthly
One founder built a sports geography game in 8 hours using Claude AI. Here's how it reached $40K/month with 700K users and a 53% organic share rate.
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Business & Money
5 Signs You're Actually Doing Well Financially
Think you're behind with money? These 5 data-backed signs reveal you may be doing better than you think — and what to do if you're not yet there.
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Business & Money
When Stocks and Bonds Fall Together: What It
Stocks and bonds falling simultaneously breaks a key market rule. Here's what's driving it, what history tells us, and how investors can respond smartly.
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Business & Money
The $5 Million Retirement: Top 0.1% Explained
What does a $5 million retirement actually look like? We break down the numbers, the lifestyle, and the savings path to reach the top 0.1% of American wealth.
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Business & Money
Is the AI Bubble About to Burst?
Anthropic seeks a $2 trillion IPO valuation. We break down the numbers, the circular funding, and what investors need to know about AI stock valuations.
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Business & Money
Corporate Profits Are Booming — But Not for
Corporate profits are up 28.9% — nearly 4x the historical average. Here's why most Americans aren't feeling the boom and what it means for your money.
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Business & Money
How to Say No to a 1% AUM Fee Advisor
Declining a 1% AUM advisor fee without burning the relationship — plus TIPS, Roth conversion windows, and bucket strategy myths decoded.
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Business & Money
Fed vs Trump: What It Means for Your Money
The Fed and the White House are pulling in opposite directions. Here's how rising debt, inflation, and interest rates affect your money — and what to do about it.
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Business & Money
$3 Million Is the New $1 Million — Here's Why
Inflation has quietly moved the goalposts on wealth. Here's why $3 million is the real benchmark for financial freedom — and how to get there.
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Business & Money
One-Third of Your S&P 500 Is in 7 AI Stocks
Think your S&P 500 index fund is diversified? 33% of every dollar goes to just 7 AI stocks. Here's what that means for your portfolio and wealth.
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Business & Money
Why the US Must Win the AI Race
The AI race isn't just about tech dominance. It's about US debt, dollar strength, and who controls the global economy. Here's what's really at stake.
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Business & Money
What a $2 Million Retirement Really Looks Like
A $2 million retirement nest egg delivers $130,000 in annual income. Here's exactly what that buys you — and what it takes to get there.
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Business & Money
Why Stock Markets Drop — And What to Do
Stocks fell hard on rising Treasury yields. Here's what actually broke the market, how stocks work for beginners, and how smart investors respond.
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