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Discover our approach to personal finance through our library of free articles. Gain the financial knowledge you need to enrich every facet of your life.

How do I make my Facet account more secure with passkeys?

Let’s be honest about something. We know that managing passwords is a source of frustration for almost everyone because they are hard to remember, a hassle to manage, and a genuine security risk. It’s time to move on from the stress of forgotten codes and embrace a method that actually fits into your life. Why ... Read more

3 Min Read

Fed cuts rates to battle recession risk, looking past inflation spike in 2025.

The Federal Reserve cut its target interest rate by 0.25% at the September 17 meeting. This has Wall Street wondering what comes next. Is this the start of a series of rate cuts? Or will lingering inflation problems make future cuts difficult? Here are our views on these questions and more. Weakening labor market convinced ... Read more

4 Min Read

How to spot a private investment scam: A real-life due diligence guide.

The world of private investing can be challenging. There are some good investment opportunities out there, but there are also a lot of overly optimistic claims, false promises, and even outright scams. We happened to uncover an alleged scam when a Facet member asked us if they should invest in a certain private investment opportunity. ... Read more

4 Min Read

Worried about a recession and an AI bubble? Why you shouldn't sell your stocks.

There’s a lot for investors to worry about right now. I’m pretty worried that a recession could be on the horizon. Job growth has recently slowed rapidly, while consumer confidence remains low, and tariffs are just starting to have an effect. Meanwhile, the stock market is trading near all-time highs. I’ve got some concerns that ... Read more

4 Min Read
Donald Trump and Jerome Powell wearing white hard hats while walking through a construction site and engaging in conversation.

The next Fed Chair: How Trump's pick could impact your investments in 2026.

We appear to be getting closer to President Donald Trump making a decision on who he will nominate to be the next Chair of the Federal Reserve. Current Chair Jerome Powell’s term ends in May of 2026, but Trump has said he wants to nominate a replacement “soon.” Recent reporting suggests the search is down ... Read more

6 Min Read
Federal Reserve Building in Washington, DC

The Fed divided: How political pressure shaped the July 2025 rate decision.

Although the Federal Reserve took no formal action at its July 30 meeting, this meeting was filled with intrigue. The market expected Fed Chair Jerome Powell to hint at a rate cut in September, but the Chair instead emphasized uncertainty. The job market is showing some signs of slowing, but inflation is probably also on ... Read more

5 Min Read
Mother with child

The Complete Guide to the SAVE Plan and Your Options as a Borrower

For the roughly 7.7 million student loan borrowers enrolled in the SAVE plan, the past year has been defined by uncertainty after lawsuits halted the program in June 2024. Before we break down your options, here’s a simple, scannable breakdown of the most critical updates based on guidance from the Department of Education. Your payments ... Read more

5 Min Read

The passive income trap: Why total return is a smarter strategy for 2025

For many investors the appeal of creating passive income from their portfolio is strong. The idea of generating a steady stream of cash flow from income-based investments is intuitively attractive. However, focusing too narrowly on income can often lead to unintended consequences, such as lower long-term growth and tax inefficiencies. A more effective approach for ... Read more

5 Min Read