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Investments / Wealth Building

Should You Use a Trust to Pass Wealth to Your Children — or Is a Simple Will Good Enough?

A will gets the job done — but is it enough? As estates grow more complex and family structures evolve, Sabrina Corlette, Michael Smith, and Jessica Huang debate whether a trust is a smart investment or an unnecessary complication when passing wealth to your children.

May 29, 2026 TheFacturation Editorial
Should You Use a Trust to Pass Wealth to Your Children — or Is a Simple Will Good Enough?

Investments / Wealth Building

Is Index Fund Investing Enough to Build Real Wealth — or Does It Just Keep You Average?

Index funds are simple, cheap, and popular — but can they actually make you wealthy, or just keep you average? Rick Ferri, Josh Brown, and Christine Benz debate whether a "set it and forget it" strategy is enough to reach real financial goals.

May 29, 2026 TheFacturation Editorial
Is Index Fund Investing Enough to Build Real Wealth — or Does It Just Keep You Average?

Investments / Wealth Building

Should You Pay Off Your Mortgage Early — or Invest That Money Instead?

Should you pay off your mortgage early or put that money to work in the market? Financial experts are divided — here's what Dave Ramsey, Howard Dvorkin, and Suze Orman each recommend, and how to find the right answer for your situation.

May 28, 2026 TheFacturation Editorial
Should You Pay Off Your Mortgage Early — or Invest That Money Instead?

Investments / Wealth Building

Is Real Estate Still the Safest Long-Term Investment — or Has That Conventional Wisdom Expired?

Real estate has been the default "safe" investment for generations. But with interest rates elevated, prices stretched, and markets increasingly cyclical, that conventional wisdom deserves a real challenge. A veteran real estate investor, a market expert, and an entrepreneur who built a portfolio on leverage disagree on whether the safety narrative still holds. One verdict.

May 28, 2026 TheFacturation Editorial
Is Real Estate Still the Safest Long-Term Investment — or Has That Conventional Wisdom Expired?

Investments / Wealth Building

Should You Put Your Retirement Savings in a Roth IRA or a Traditional IRA — and Does Your Age Change the Answer?

Roth or Traditional — the IRA debate has a clear answer for most people. The problem is that answer changes as you age, earn more, and get closer to retirement. Suze Orman, Robert Kiyosaki, and Jean Chatzky disagree on which account wins — and when. One verdict.

May 27, 2026 TheFacturation Editorial
Should You Put Your Retirement Savings in a Roth IRA or a Traditional IRA — and Does Your Age Change the Answer?

Investments / Wealth Building

Is Dollar-Cost Averaging the Smartest Way to Invest — or Are You Just Avoiding the Real Decision?

Dollar-cost averaging feels disciplined, safe, and smart. But is it a proven investment strategy — or a way to feel like you're making a decision without actually making one? A veteran investment author, a leading financial planner, and a renowned financial expert disagree on what DCA actually delivers. One verdict.

May 26, 2026 TheFacturation Editorial
Is Dollar-Cost Averaging the Smartest Way to Invest — or Are You Just Avoiding the Real Decision?
How TheFacturation Works

Every debate follows the same rigorous format

We don't publish opinion pieces. We take a real financial question, find experts on both sides, and deliver a clear editorial verdict — TheFacturation's Take.

1

The Question

A real financial decision that freelancers and small business owners face, framed as a genuine debate with two defensible positions.

2

The Voices

2–3 named CPAs, tax attorneys, or CFPs present their position with real arguments and data.

3

The Take

TheFacturation synthesizes both sides and delivers a clear editorial conclusion — no fence-sitting.