Credit & Personal Finance
Is the 60/40 Portfolio Still the Gold Standard for Retirement — or a Formula That Stopped Working When Bonds Did?For decades, the 60/40 portfolio—60% stocks and 40% bonds—served as the cornerstone of retirement investing, offering a balance between growth and stability. But years of historically low interest rates, followed by persistent inflation and rapidly rising bond yields, have challenged many of the assumptions that made the strategy so successful. Some investment experts argue that retirees must look beyond the traditional formula to generate income and protect purchasing power, while others maintain that abandoning a disciplined allocation after a difficult period risks repeating a familiar investing mistake. The debate is no longer about whether the 60/40 portfolio worked in the past, but whether it remains the right framework for navigating the retirement challenges of the future.
Credit & Personal Finance
Is Refinancing Your Mortgage Right Now a Smart Move — or Are You Just Resetting a Clock You Were Almost Done With?Universal Basic Income promises to decouple survival from employment at a moment when automation threatens to make millions of jobs obsolete — but critics ask whether handing everyone a check is a visionary response to technological change or a politically convenient way to avoid the harder work of building an economy that actually works. Andrew Yang, Philippe Van Parijs, and Daron Acemoglu debate what UBI would actually do.
Credit & Personal Finance
Should You Ever Use a Personal Loan to Invest — or Is Leveraging Debt for Returns a Strategy That Only Sounds Smart in a Bull Market?Everything you throw away goes somewhere — and for decades, most of it went to developing countries under the banner of recycling. Elizabeth Royte, Judith Enck, and Adam Minter debate whether recycling has ever been the solution it claimed to be, or whether it was always more about making consumers feel better than actually solving the problem.
Credit & Personal Finance
Is Having Multiple Income Streams Actually Reducing Your Financial Risk — or Just Spreading Your Attention Thin Enough to Fail at All of Them?Hospitals are rewarded for treating illness, not for preventing it — and that single structural fact explains a lot about why the American healthcare system spends so much and delivers so little. Dr. Atul Gawande, Dr. Mark Hyman, and Dr. Marcia Angell debate whether preventive care can ever become more than a talking point in a system built to profit from keeping people sick.
Credit & Personal Finance
Should You Ever Relocate Your Entire Life for a Financial Opportunity — or Is That the Kind of Math That Only Works on a Spreadsheet?A job offer arrives with a salary bump significant enough to make you seriously consider uprooting your entire life — but does the math actually hold up once you factor in everything a spreadsheet can't capture? Suze Orman, David Bach, and Jean Chatzky debate whether relocating for a financial opportunity is a smart investment in your future or a calculation that only works on paper.
Credit & Personal Finance
Is Decentralized Finance Actually Delivering on Its Promise — or Just Recreating Wall Street Without the Regulations That Were There for a Reason?Decentralized finance promised to democratize money — no banks, no gatekeepers, no Wall Street middlemen. But 73% of DeFi assets sit on just a few platforms, and the hacks keep coming. Cathie Wood, David Yoffie, and Caitlin Long debate whether DeFi is delivering on its promise or just rebuilding the old system without the guardrails.
