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Moronic Monday – February 23, 2026: Weekly Open Q&A on Finance and Careers Welcome to the Moronic Monday thread for February 23, 2026 – a standing weekly space dedicated to every kind of finance-related question you’ve ever hesitated to ask. Whether you’re stuck on a homework problem, trying to decode a job description in investment…

How to Start Investing When You’ve Never Had Money Before Selling a home and walking away with a lump sum can feel exciting and terrifying at the same time-especially if no one in your life has ever really “had money” or knew what to do with it. A figure like 50,000 dollars sounds huge when…

At 18, you’re in one of the best positions possible to build a strong financial future. You have time on your side, the ability to learn quickly, and-if you start now-the chance to avoid many mistakes people regret later in life. Here’s how a financially savvy person might start managing money at your age, especially…

401(k) catch‑up income limit and Roth rule changes can be confusing, especially with the new provisions taking effect in 2026. Here’s a clear breakdown of what’s actually happening, how it affects your contributions, and what it means for your future withdrawals. — What changes in 2026 for 401(k) catch‑up contributions? Under current rules, if you’re…

Stop using BMO InvestorLine and switch to Wealthsimple If you’re still trading with BMO InvestorLine, you’re probably paying more than you need to and getting less in return. Traditional bank-owned brokerages like BMO InvestorLine rely on outdated fee structures, aggressive product promotion, and the reputation of a big bank to keep people from switching. Meanwhile,…

Amazon dethrones Walmart for the top spot on the Fortune 500, ending a 13‑year streak and signaling a turning point in corporate America’s balance of power. What once was a scrappy online bookstore has now officially surpassed the long‑time retail champion, marking a symbolic and strategic shift in how value is created in the modern…

Optimal allocation percentages for a 50‑year‑old with $570,000, retiring at 60 At age 50 with $570,000 already invested and a planned retirement in about 10 years, asset allocation becomes less about chasing the highest possible return and more about balancing growth with risk management. You still need your money to grow for several decades, but…

Start pocket money by matching the amount, timing, and rules to your child’s age, maturity, and your family budget. Use allowance as a teaching tool, not a bribe. Keep amounts modest, pay on a clear schedule, set simple rules, and regularly review how well the system still fits. Pocket Money at a Glance Treat pocket…

Where to Keep Your House Down Payment Savings: HYSA vs. CD Saving for a first home or condo is a big financial goal, and where you park that money matters almost as much as how much you save. The wrong choice can lock your cash up when you need it, or leave interest on the…

Impact of AI & Robotics on Long‑Term Investment Strategy for Younger Generations Assuming that artificial intelligence, robotics, and large‑scale automation will dominate everyday life over the next 20-40 years, many long‑term investors are starting to question whether the traditional way of saving and investing still makes sense-especially when planning for children and grandchildren. Some futurists…