Marcus Vance

The AI buildout has shifted from cash-funded to debt-funded. Here is what changed, the ratio worth watching, and what it means for an ordinary index fund.

Pay is rising and buying power is falling. Here is how real wages are calculated, why the gap is back, and what a typical raise is actually worth now.

A Fed rate hike reaches your credit card within two statements. Here is the mechanism, what it costs on a real balance, and the order to deal with it.

Most enterprise AI pilots demo well and deliver nothing. Here is what the failure data shows, why budgets overrun, and what the small minority do differently.

Stanford data shows a 13% employment drop for workers aged 22 to 25 in AI-exposed roles. The pattern is not mass layoffs. It is jobs never being posted.

Consumer sentiment hit 47.8, the second-lowest on record, while jobs data stayed solid. Here is what explains the gap, and which signal to actually trust.

The 30-year fixed rate crossed 7%, up from 6.26% a year ago. Here is what that adds to a monthly payment, and the one number every buyer should run first.

Ten stocks now make up 41% of the S&P 500, well past the dot-com peak. Here is what that concentration really means for a portfolio built on index funds.

Headline inflation is 3.4% but energy rose 16.3% and gasoline 27.4%. Here is how to calculate the rate that applies to your household, in ten minutes.

Gartner expects 40% of enterprise apps to ship task-specific AI agents, up from under 5%. Here is what to ask vendors before that lands in your stack.

Bond yields explained for beginners: what they are, why they move opposite bond prices, and why the yield curve is a signal most investors still ignore.

The Fed's latest rate hike affects your mortgage, credit cards, and savings accounts in very different ways. Here's exactly what changes and what to do now.