April 6, 2026 - We've all heard the stories about how AI is going to kill us all. It's going to be smarter than we are. It's going to get things done faster and more accurately than we do. It's going to take over the world and say, "Hey, we don't need these HUMANS anymore!" But that's at least a few years away. Before that happens though, it is likely to cause some real business and privacy disasters because of what is being called agentic AI. And we're likely to start seeing some of those things within the next 12 months.

March 22, 2026 - California has announced that high school students will be required to complete a personal finance course to graduate, but the mandate will not fully take effect until the class of 2031. That timeline is raising questions, especially given how limited financial education access is today.

March 17, 2026 - A newly discovered online database containing roughly 184 million login credentials is the latest reminder that Americans’ personal information continues to circulate widely on the internet. Security researchers say the exposed data included email addresses, passwords, and login information connected to a variety of online accounts. But the real story is not the latest data leak.  In fact, we're at the point that that "who" and "how" of it don't really matter anymore. The real issue is that the system Americans rely on to prove their identity was never designed to survive the digital age, and unless changes are made these breaches will continue to happen with predictable reliability.

February 27, 2026 - Mortgage rates have dropped below the 6 percent level, offering meaningful relief for homebuyers after more than two years of elevated borrowing costs which peaked above 8 percent. Freddie Mac reported this week that the average rate on a 30-year fixed mortgage fell to 5.98 percent, the first time it has dipped under 6 percent since 2022. The decline follows months of easing inflation data and lower Treasury yields, which directly influence mortgage pricing.