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Both sides. One verdict.

Real CPAs, tax attorneys, and financial planners debate the questions that matter most to freelancers and small business owners.

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Investments / Wealth Building

Should You Buy Experiences Instead of Things — or Is That Just a Different Way to Spend Money You Don't Have?

"Buy experiences, not things" has become one of the most popular pieces of modern financial advice. Research suggests that experiences often create longer-lasting happiness than material possessions, leading many consumers to prioritize travel, events, and memorable moments over physical goods. Yet as inflation rises and household budgets tighten, the wisdom of this approach is increasingly being questioned. Financial experts agree that experiences can enrich lives, but they also warn that meaningful memories lose their value when financed through debt or financial instability. The real debate is not whether experiences or possessions are better—it’s whether spending decisions align with personal values, long-term goals, and financial reality.

June 23, 2026 TheFacturation Editorial
Should You Buy Experiences Instead of Things — or Is That Just a Different Way to Spend Money You Don't Have?

Investments / Wealth Building

Is Owning Less Stuff Actually Making Minimalists Richer — or Just Better at Marketing Their Spending Habits?

Minimalism promises freedom from clutter, debt, and unnecessary consumption—but does owning less actually make people wealthier? Financial experts, educators, and minimalist advocates agree that reducing expenses can improve financial health, yet they disagree on whether minimalism alone leads to wealth. While some argue that consuming less creates financial freedom and greater alignment with personal values, others believe that true wealth depends on income growth, investing, and financial literacy. As more people embrace minimalism in response to consumer culture and economic uncertainty, understanding the difference between spending less and building wealth has never been more important.

June 17, 2026 TheFacturation Editorial
Is Owning Less Stuff Actually Making Minimalists Richer — or Just Better at Marketing Their Spending Habits?

Investments / Wealth Building

Should You Accept Investor Money That Comes With Strings — or Is Clean Capital Worth Waiting For?

When funding is scarce and runway is short, almost any capital can look attractive — but investor money with strings attached can slowly reshape your entire vision. Mark Suster, Nancy MacKay, and Scott Hodge debate whether founders should take the deal, hold out for clean capital, or find a smarter middle ground.

June 09, 2026 TheFacturation Editorial
Should You Accept Investor Money That Comes With Strings — or Is Clean Capital Worth Waiting For?

Investments / Wealth Building

Is Buying a Second Property to Rent Out Still Worth It — or Have the Numbers Finally Stopped Making Sense?

Rising interest rates, inflation, and post-pandemic rental shifts have complicated the math on investment properties. Barbara Corcoran, Robert Kiyosaki, and Kristine Swanson debate whether buying a second property to rent out is still one of the smartest wealth-building moves — or a commitment most investors aren't ready for.

June 05, 2026 TheFacturation Editorial
Is Buying a Second Property to Rent Out Still Worth It — or Have the Numbers Finally Stopped Making Sense?

Investments / Wealth Building

Is Owning a Franchise Smarter Than Starting From Scratch — or Are You Just Buying Someone Else's Ceiling?

A franchise gives you a playbook, a brand, and a head start — but does it also give you someone else's ceiling? Judith Scherline, Mark Siebert, and Josh Patrick debate whether buying into a proven system is smart entrepreneurship or a creativity trap.

June 02, 2026 TheFacturation Editorial
Is Owning a Franchise Smarter Than Starting From Scratch — or Are You Just Buying Someone Else's Ceiling?

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?
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.