David Marshall 
The automotive industry in 2025 is facing a pivotal moment. Sweeping tariffs introduced by the Trump administration are reshaping how cars are built, sold, and priced in the United States. While intended to boost domestic production, these policies are sending ripples through supply chains, dealership lots, and household budgets across the country. From factory layoffs … Read more
Prescription drugs are one of the most commonly used parts of health insurance—and one of the most confusing. In 2025, the system has become even more complex, with tiered formularies, pharmacy networks, changing legislation, and rising out-of-pocket costs. This guide will walk you through how prescription drug coverage works today, what’s changed in recent years, … Read more
For many people, medical expenses don’t just threaten their health—they threaten their finances. Even with insurance, the out-of-pocket costs from deductibles, copays, and unexpected emergencies can derail your budget if you’re not prepared. But with the right strategy, you can plan for healthcare costs just like you plan for rent, groceries, or savings. This guide … Read more
Navigating health insurance can feel like learning a second language. Between deductibles, networks, premiums, and policy jargon, many people just try to “pick a plan and hope for the best.” But one of the most commonly misunderstood elements of health insurance comes after the deductible: coinsurance and copays. While they both involve sharing costs with … Read more
As gold hits record highs and markets reel from political interference, we examine how Trump’s attacks on the Federal Reserve and aggressive tariff strategy are shaking global confidence — and what it could mean for everyday Americans. A Moment of Financial Uncertainty The financial world is trembling, not because of a black swan event or … Read more
Inflation Is Real. But So Is Your Resilience Inflation isn’t just a news headline — it’s in your grocery cart, your energy bill, and your bank balance. For millions of families, rising costs are making it harder to stay on track, stick to a budget, or feel in control of the future. But you’re not … Read more
Why Tariffs Are Driving Up Everyday Costs Tariffs may sound like a foreign policy issue, but their consequences are hitting much closer to home — right at the dinner table, gas pump, and checkout lane. In 2025, sweeping trade policies have placed heavy import taxes on everyday goods, creating a domino effect of rising prices … Read more
Emergencies rarely give us notice. In some cases, you may have days to prepare for a hurricane or evacuation order. In others—a fast-moving fire, gas leak, or flood—you may have minutes or less. Whatever the scenario, being forced to leave your home unexpectedly is stressful, emotional, and potentially life-altering. But the right preparation can give … Read more
When it comes to protecting yourself on the road, auto insurance is a must. However, many people overlook the importance of uninsured and underinsured motorist coverage. In this blog post, we will explore what uninsured and underinsured motorist coverage is, why it is more important than ever in 2025, and how you can get the … Read more
Choosing a health insurance plan can feel like decoding a foreign language. Deductibles, copays, coinsurance, tiers, networks—it’s easy to get overwhelmed and default to the cheapest premium or the plan your employer recommends. But picking the wrong plan can cost you thousands in hidden fees and out-of-pocket surprises. This guide will walk you through how … Read more
