Be Critical, Stay Curious
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A Crisis Facing America’s Youth: Reflections on Scott Galloway’s TED Talk
Scott Galloway’s TED talk on the income disparity between generations raises key concerns for my children’s future. Homes once cost about four times the median household income; now, that figure exceeds seven times, putting homeownership, long a pillar of wealth-building, out of reach for many young adults. For new college graduates, the gap is even…
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Understanding Credit Card Reward Programs
Executive Summary Credit card rewards programs have become a fixture in consumer finance, offering incentives like cash back, points, and travel miles. This thought experiment explores credit card rewards as a mechanism of social engineering, delving into their psychological, neurological, economic, and ethical implications. My analysis uncovers how these programs harness behavioral economics and cognitive…