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

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Global Business / Economy

Is Your Business Generating Revenue or Just Keeping You Busy — and Do You Actually Know the Difference?

Nearly 20% of small businesses fail in their first year — and one of the quietest killers is mistaking busyness for productivity. Barbara Weltman, Michael Kitces, and Karen Miller help entrepreneurs ask the hard question: is all that activity actually showing up in revenue?

June 16, 2026 TheFacturation Editorial
Is Your Business Generating Revenue or Just Keeping You Busy — and Do You Actually Know the Difference?

Global Business / Economy

Is the Stock Market Still the Best Place for Money You Won't Touch for Ten Years — or Has the Case Been Quietly Weakening?

The stock market has historically returned around 10% annually over the long term — but with rising interest rates, inflation, and a flood of alternative investments, is that still the smartest place for your ten-year money? Jeremy Josse, Tiffany Allen, and Mark Cuban debate whether equities still reign or the case has quietly weakened.

June 15, 2026 TheFacturation Editorial
Is the Stock Market Still the Best Place for Money You Won't Touch for Ten Years — or Has the Case Been Quietly Weakening?

Credit & Personal Finance

To Disclose Finances Before Moving In Together: A Timely Conversation or Late Realization?

70% of couples cite money as a primary source of relationship stress — so why do so many wait until they're sharing a lease to have the conversation? Lynnette Khalfani-Cox, Theresa McMahon, and Peter Dunn debate how early couples should disclose their finances, and whether waiting until move-in day is already too late.

June 15, 2026 TheFacturation Editorial
To Disclose Finances Before Moving In Together: A Timely Conversation or Late Realization?

Credit & Personal Finance

Is Generational Wealth a Realistic Goal for First-Generation Earners — or a Concept Designed for People Who Already Have It?

73% of Americans believe generational wealth is key to financial security — but for first-generation earners starting with debt and no safety net, is building it a realistic goal or a concept designed for people who already have a head start? Sandy McCarthy, Cameron Huddleston, and Robert Brown dig into the real barriers and possibilities.

June 15, 2026 TheFacturation Editorial
Is Generational Wealth a Realistic Goal for First-Generation Earners — or a Concept Designed for People Who Already Have It?

Global Business / Economy

Is Paying for Premium Software Tools Actually Making Your Business More Profitable — or Just More Comfortable?

Every SaaS subscription promises to make your business run better — but are all those premium tools actually showing up in your profits, or just making work feel more organized? Ryan Holiday, Seth Godin, and Michael Kitces debate when software investment pays off and when it's just expensive comfort.

June 12, 2026 TheFacturation Editorial
Is Paying for Premium Software Tools Actually Making Your Business More Profitable — or Just More Comfortable?

Credit & Personal Finance

Should You Negotiate Your Salary or Your Rate Every Year — or Are You Leaving Money on the Table by Waiting to Be Asked?

Over 60% of workers are unsatisfied with their salaries — and many of them never asked for more. Tiffany Aliche, Josh Brown, and Morra Aarons-Mele debate whether you should negotiate your compensation every single year or wait for the right moment, and what it's really costing you to stay silent.

June 12, 2026 TheFacturation Editorial
Should You Negotiate Your Salary or Your Rate Every Year — or Are You Leaving Money on the Table by Waiting to Be Asked?
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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.