Katie

And, you know, these appeals are being made to this deep seated sense that I think a lot of Americans feel that something has gone very, very wrong. I think if you have one candidate who seems to represent the status quo insofar as they're coming from the incumbent administration, and then you have another who is promising to blow it all up and saying literally, I'll fix it.

And, you know, these appeals are being made to this deep seated sense that I think a lot of Americans feel that something has gone very, very wrong. I think if you have one candidate who seems to represent the status quo insofar as they're coming from the incumbent administration, and then you have another who is promising to blow it all up and saying literally, I'll fix it.

I don't think we should be surprised that the all fix it rhetoric was effective. And so going over those 40 years, pulling it all together, trying to weave those threads together, connecting those dots. It was actually very cathartic for me, honestly. So I'm really happy that it resonated with so many people.

I don't think we should be surprised that the all fix it rhetoric was effective. And so going over those 40 years, pulling it all together, trying to weave those threads together, connecting those dots. It was actually very cathartic for me, honestly. So I'm really happy that it resonated with so many people.

I don't think we should be surprised that the all fix it rhetoric was effective. And so going over those 40 years, pulling it all together, trying to weave those threads together, connecting those dots. It was actually very cathartic for me, honestly. So I'm really happy that it resonated with so many people.

Oh, man. Yeah. Well... Okay, at the most microcosmic level, I think we perceive and experience a lot of policy failings as personal finance problems. Like, okay, I can't afford to buy a house. My car payment is too expensive. Childcare is too expensive. These are personal finance problems, yes, but with perhaps different housing, with maybe the median home not costing $400,000.

Oh, man. Yeah. Well... Okay, at the most microcosmic level, I think we perceive and experience a lot of policy failings as personal finance problems. Like, okay, I can't afford to buy a house. My car payment is too expensive. Childcare is too expensive. These are personal finance problems, yes, but with perhaps different housing, with maybe the median home not costing $400,000.

Oh, man. Yeah. Well... Okay, at the most microcosmic level, I think we perceive and experience a lot of policy failings as personal finance problems. Like, okay, I can't afford to buy a house. My car payment is too expensive. Childcare is too expensive. These are personal finance problems, yes, but with perhaps different housing, with maybe the median home not costing $400,000.

Maybe you don't need a car anymore if you have public transit options. Maybe you don't need $2,000 a month for daycare if we treated childcare like infrastructure. So... I would say before we even talk about debt, we have to talk about the fact that a lot of the most intractable personal finance problems that feel the hardest to solve are often downstream of policy failure.

Maybe you don't need a car anymore if you have public transit options. Maybe you don't need $2,000 a month for daycare if we treated childcare like infrastructure. So... I would say before we even talk about debt, we have to talk about the fact that a lot of the most intractable personal finance problems that feel the hardest to solve are often downstream of policy failure.

Maybe you don't need a car anymore if you have public transit options. Maybe you don't need $2,000 a month for daycare if we treated childcare like infrastructure. So... I would say before we even talk about debt, we have to talk about the fact that a lot of the most intractable personal finance problems that feel the hardest to solve are often downstream of policy failure.

But if you make a society very challenging to thrive in, you have to give people some way to pay for the things that they need, right? And what better way to structure a system like that than making the way that they pay for these things that they need done so with for-profit financing. And I think it sounds kind of conspiratorial, but it's really not.

But if you make a society very challenging to thrive in, you have to give people some way to pay for the things that they need, right? And what better way to structure a system like that than making the way that they pay for these things that they need done so with for-profit financing. And I think it sounds kind of conspiratorial, but it's really not.

But if you make a society very challenging to thrive in, you have to give people some way to pay for the things that they need, right? And what better way to structure a system like that than making the way that they pay for these things that they need done so with for-profit financing. And I think it sounds kind of conspiratorial, but it's really not.

I think the availability of credit is why we haven't reached a tipping point sooner. But that's why I believe personal finance education becomes ultimately very critical because...

I think the availability of credit is why we haven't reached a tipping point sooner. But that's why I believe personal finance education becomes ultimately very critical because...

I think the availability of credit is why we haven't reached a tipping point sooner. But that's why I believe personal finance education becomes ultimately very critical because...

If you're aware of these conditions and you understand that the system is sort of set up to guide you toward a lot of debt, a hyper competitive individualist mindset, but you can see that there is a better way, I think it can shift the decisions that you make. It might also allow you to have a more accurate perception of what you have control over and what you don't have control over.

If you're aware of these conditions and you understand that the system is sort of set up to guide you toward a lot of debt, a hyper competitive individualist mindset, but you can see that there is a better way, I think it can shift the decisions that you make. It might also allow you to have a more accurate perception of what you have control over and what you don't have control over.

If you're aware of these conditions and you understand that the system is sort of set up to guide you toward a lot of debt, a hyper competitive individualist mindset, but you can see that there is a better way, I think it can shift the decisions that you make. It might also allow you to have a more accurate perception of what you have control over and what you don't have control over.