The Future of Education

Free, Digital, and Accessible to All My First Long Form Blog I've been writing down a few topics in draft form and adding to them as I have time. That may be good news or bad news, depending on if you like to read long posts. Please know with all blog posts that my ideas are just that, ideas. Society tends to want to think the way it has always been taught, but change is...

U.S. Residential Debt Outstanding (1990-2025)

Tracking three decades of American mortgage debt and its impact on the housing market The story of U.S. residential mortgage debt is a reflection of America's economic journey over the past three decades. From the steady growth of the 1990s through the housing bubble and crash of the 2000s to today's post-pandemic reality, mortgage debt tells us about more than just housing—it reveals patterns in consumer behavior, economic policy, and financial resilience. As of Q1...

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