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A lot of people believe that credit card debt is caused by being inherently bad with money. Individuals that spend a lot of money but do not save end up in debt and have to pay high interest rates on their cards. However, Professor Theresa Kuchler’s paper entitled “Sticking to Your Plan: The Role of Present Bias for Credit Card Paydown” demonstrates that is not the case for credit card debt. While many people do want to pay off their credit card balances, they fail to follow

If you’ve ever bought crypto for the first time, you know it doesn’t feel like buying a stock or putting money into an index fund. It probably felt louder, faster, and way more stressful. Prices jumped around. Your phone buzzed nonstop. Group chats blew up. Someone swore something was “about to explode.” Suddenly, instead of thinking long-term, you were checking prices at 2 a.m., wondering if you should sell. For many beginners, crypto doesn’t just feel risky — it feels chaot