Blog, YouTube & Content Monetization

The K-shaped economy strikes again. A new report from the Fair Isaac Corp. (FICO), creator of the credit score most lenders use, shows that the average American’s FICO score is now down to 714 – a two point decline over the course of the last year. The current slide in U.S. credit scores began in 2023, when the government ended the temporary pandemic-era freeze on student loan collection. Missed mortgage payments have also ticked up some, contributing to the slide in credit scores. Prior to the latest report, the average American’s credit score had already dropped to 715 between 2024 and 2025, which at the time was the most dramatic decline in scores since the Gr…

Work stress has become one of the most common challenges in modern life. According to recent national reports, nearly seven in ten employees say work is a major source of stress, putting us right back where we were in the early months of the pandemic. No matter where you work—at a desk in an office, from your kitchen table, or bouncing between the two—the pressure to perform has never been higher. Burnout has reached a six-year high despite the fact that most of us are doing everything we can think of to get rid of stress. We sign up for wellness webinars. We shuffle schedules. We tell ourselves we’ll rest “as soon as things slow down.” But instead of helping, those …

American Express is making a push to play a bigger role in how businesses operate day to day with a new card and tools to support it. Alongside the launch of its Graphite Business Cash Unlimited Card, the company on Wednesday announced a broad set of updates across its commercial and AI-powered tools. Together, they signal a shift in how Amex wants to present itself to business customers. At the center of the rollout is a new product called the Graphite Business Cash Unlimited Card. But the bigger story is how that card fits into a larger system designed to help businesses manage spending, track expenses, and automate routine work. Expanding beyond the card …

AI doesn’t float in the cloud. It runs on concrete, steel, and electricity in massive physical infrastructure. It is powered by local electricity grids and located in cities across the country. Residents who live and work nearby have a direct stake in how and where that infrastructure is built. That makes community consent the deciding factor in the AI race. Technology alone won’t determine the outcome—trust will. Companies that scale fastest will treat sustainable engineering and trust-building as a core business strategy. The AI race won’t be won in the cloud. It will be won at the fence line. As an official partner of UNESCO’s World Engineering Day for Su…

Thanks for the memory? The stock prices of Micron Technology Inc (Nasdaq: MU) and SanDisk Corp (Nasdaq: SNDK), two of the top publicly traded memory chip storage companies, are taking a beating this week, halting a stunning rally that began late last year. As of Thursday morning before the market opened, Micron shares were down almost 10% over the past five days, and down 3.5% overnight. SanDisk shares were down more than 4% over the previous five days, and down 4.4% overnight. The broader market, on the other hand, has been flat, with the S&P 500 up barely 0.1% over the previous five days. AI-fueled RAM memory shortage The declines are a rever…

The U.S. Department of Agriculture’s Food Safety and Inspection Service (FSIS) issued a public health alert on Wednesday for frozen, dinosaur-shaped, ready-to-eat chicken nuggets that may contain unsafe levels of lead. The “Dino shaped chicken nuggets” were sold at Walmart locations nationwide. The FSIS did not request a recall, because the nuggets are no longer available for purchase. However, the agency is concerned some bags may still be in consumers’ freezers. The problem was discovered during routine surveillance sampling conducted by a state partner. In the meantime, the USDA’s Food Safety and Inspection Service continues to investigate this issue. Wha…

Raising Cane’s CEO Todd Graves could go without veggies in his to-go box. More specifically, his go-to Cane’s order includes the box combo, extra toast and extra sauce—and no slaw, he said in a TikTok last month. The fast food executive admitted he’s not a fan of coleslaw, adding “that’s why you can trade it out,” in Joe Bonham’s “Financial Flex” social media series. His reasoning for including the shredded salad: “I wanted a vegetable component to the meal, and coleslaw is a Southern thing.” As the post went viral, one user asked the exec to swap the coleslaw for mac and cheese. Others pleaded to keep the coleslaw on the menu. Customers who order the Box Co…

It’s a good day for America’s largest health insurance stocks. The biggest players in America’s private, for-profit health insurance system, including UnitedHealth Group Incorporated (NYSE: UNH), Humana Inc. (NYSE: HUM), and CVS Health Corporation (NYSE: CVS), are all seeing their share prices rise after the The President administration announced it will backtrack on earlier proposals and increase Medicare insurer payments significantly more than expected. Here’s what you need to know. What’s happened? On Monday, the Centers for Medicare & Medicaid Services (CMS), the federal agency that manages America’s government-funded health programs, including M…

Whether you’re doomscrolling on LinkedIn or talking to friends, AI-induced job loss anxiety feels inescapable right now. As companies go full throttle on investing in automation tools, the fear that entire roles can be instantly eliminated feels very real. After the surge in economic activity and tech adoption during the pandemic, tech companies issued mass layoffs after over-expanding. That trend continued in the last few months, with tech giants like Amazon and Oracle laying off thousands of employees. But there have been a few silver linings in the mostly pessimistic discourse around AI and the future of work: A recent surprising bright spot in hiring right now fo…

Yesterday, astronauts Reid Wiseman, Victor Glover, Christina Koch, and Jeremy Hansen became the first humans in over 50 years to see the far side of the moon. Artemis II launched at 6:35 p.m. ET on Wednesday, April 1. The 10-day mission is a slingshot around the moon, paving the way for a moon landing with Artemis IV in 2027. (Artemis III, scheduled for 2026, will test out systems to land humans on the surface of the moon in orbit next year.) While there are satellites around the moon, and rovers and landers on the lunar surface, unaided human eyes have not seen the moon’s surface details since Apollo 17 in 1972. That changed on Monday, April 6. The …

Let’s get one thing straight: I love my 2015 Toyota Sienna minivan. But after a decade of navigating dirty dog paws, diaper changes, puking toddlers, cross-country road trips, dystopian Maritime Canadian winters, and more, it might be time to consider a succession plan. So, like reportedly half of American consumers using LLM search today, I recently opened up a chatbot and asked it to help me find a new car. My opening prompt was simple: What is the best vehicle for a family of four, that has to deal with daily commutes, winter weather, all in the $50,000 price range? According to ChatGPT: Best overall: Mazda CX-90 Hybrid Best for reliability and resale:…

Twenty years ago, honeybees first started to disappear in mysteriously large numbers. Stories in the media were everywhere, as were solutions to try to save the bees. But today, you hear less about the crisis. Has it simply been drowned out by the constant hum of breaking world news, or is the bee crisis over? There are some people who argue that we have “saved” the bees, while others say honeybees never needed saving in the first place. In truth, the problem hasn’t gone away. “Our losses have been getting higher and higher over the last few years,” says Zac Browning, a fourth-generation beekeeper from North Dakota. This winter, he lost more than half of his bees…

With most of New York City surrounded by water, climate change poses a grave threat to its infrastructure, as devastating storm surges and coastal flooding have shown. Inland blocks are in danger, too. Researchers at the New York Botanical Garden have created a new interactive map of the city showing the areas most at risk of flooding. They’re calling them “Blue Zones,” places where water is, used to be, or will be due to climate change. More than one-fifth of the city is in a Blue Zone, according to a paper published in the Annals of the New York Academy of Sciences. “Everybody was startled, including us,” Eric Sanderson, vice president of urban conservation at t…

There has been no shortage of retailers closing locations over the last few years as consumer behaviors shift online and foot traffic at brick-and-mortar stores continues to decline for many chains. And now, iPhone maker Apple has announced that it will join the ranks of companies closing locations, with multiple Apple stores to close for good this summer. Here’s what you need to know. Which Apple retail stores are closing? Yesterday, Apple confirmed that it will close three Apple retail stores in the United States. While there have been a few instances in the past of Apple closing a retail store, this is the first time the company has announced the closu…

A lot of people go out on their own after a layoff, especially in the current economy. And when they do, they tend to focus on what they don’t know: how to find clients, how to set pricing, how to market themselves. But a long corporate career also builds some core competencies that translate directly into running a solo business. I spent 15 years in a corporate environment, including a role on an executive team. I pivoted to a new career, and then found myself laid off 18 months later. I made the snap decision to start my solo business the next day. While a lot of aspects of starting a solo business were intimidating, there were things I knew I could do well bas…

Padel has taken the sports world by storm. In a smaller but growing circle, it’s also become a way to date. Much of that runs through Playtomic, a booking app for racquet sports where players join “open matches” with strangers, chat through the app, and meet people they wouldn’t otherwise encounter. For some, those connections carry off the court. “People are meeting each other on the court . . . [and then] grabbing a beer or coffee from the grounds,” says Pro Padel League CEO Michael Dorfman. That kind of interaction is exactly what the app Playtomic is designed to facilitate, and increasingly, to scale. In 2017, co-founder Pablo Carro set out to solve a …

When Tiffany Davis has a question about a symptom from the weight-loss injections she’s taking, she doesn’t call her doctor. She pulls out her phone and consults ChatGPT. “I’ll just basically let ChatGPT know my status, how I’m feeling,” said the 42-year-old in Mesquite, Texas. “I use it for anything that I’m experiencing.” Turning to artificial intelligence tools for health advice has become a habit for Davis and many other Americans, according to a West Health–Gallup Center on Healthcare in America poll published Wednesday. The poll, conducted in late 2025 and backed up by at least three other recent surveys with similar findings, found that roughly one-quarter of U.S…

According to Wells Fargo’s recent Money Study, 64% of parents with Gen Z children say their 18- to 28-year-old kids still rely on them for financial support—whether it’s for housing or other expenses. Of the 3,773 U.S. adults surveyed at the end of last year, more than half who are parents (56%) said the monetary support they’re extending to their adult children adds a strain on their own finances. “It’s not surprising that young adults are leaning on both family and nontraditional sources for support, but these dynamics are also putting pressure on parents,” Emily Irwin, Wells Fargo’s head of private wealth planning, said in a press release. “Open communication,…

Warren Buffett is seldom wrong, especially regarding investment and innovation. As most of us know, the Oracle of Omaha offers wisdom that goes beyond industries, generations, and cultures. And that wisdom, even if it seems obvious (ever catch yourself saying, “Wait, I could’ve said that myself!”), is usually right on the mark. Like this piercing bit of truth-telling: If you get to my age in life and nobody thinks well of you, I don’t care how big your bank account is, your life is a disaster. That’s what Buffett once shared with a group of students at Georgia Tech when they asked him about his idea of success. He explained that success isn’t just about weal…

Picture it: You’re in an economy seat on a 17-hour flight. Would you pay an extra $300 for just four hours lying flat? Air New Zealand hopes the answer is yes. The airline is finally launching its Economy Skynest lie-flat sleep pods, starting at $495 NZD ($291 USD) for a precious four hours. Passengers in economy and premium economy will have the option to book one of six individual pods nestled in three-tier bunk beds. The “nests” will be available on select Air New Zealand flights between Auckland and New York—one of the world’s longest flights. “For a country as remote as New Zealand, the journey matters,” Air New Zealand CEO Nikhil Ravishankar said in a …