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Personal Finance
Compound interest: the calculation almost nobody finishes
Everyone repeats that compounding is the eighth wonder of the world. Almost nobody opens the spreadsheet and finds where the money is actually made — or where it quietly leaks out.
$901,339 made in the final decade aloneLatest analysis
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ETFs & Funds
ETF inflows at $1.52T + $0.02T = $1.54T make fees scale
U.S. ETF inflows cleared State Street's prior $1.52T record by $0.02T, so $1.52T + $0.02T = $1.54T. One basis point on that base is $154M a…
Oct 13, 2026 7 min read BlackMoney Desk
Personal Finance
Card Debt Bent Lower, But the Budget Math Still Punishes Balances
Revolving consumer credit fell at a 4.2% annual rate, calculated as -$57.4 billion divided by $1,357.2 billion, but card APRs still make…
Oct 12, 2026 6 min read BlackMoney Desk
Crypto
$681M Bitcoin ETF Outflow Shows Crypto Demand Is Thin
U.S. spot Bitcoin ETFs lost $681.1 million last week: -$89.9M + $118.9M - $487.1M - $244.1M + $21.1M = -$681.1M.
Oct 11, 2026 6 min read BlackMoney Desk
Crypto
Crypto ETFs Had a $1.22 Billion Exit, Not a Breakdown
U.S. spot Bitcoin and Ether ETFs lost $1.22 billion for the week, calculated as $681.1 million from Bitcoin funds plus $542.1 million from…
Oct 10, 2026 6 min read BlackMoney Desk
ETFs & Funds
ETF inflows broke records; fee drag is the real investor test
U.S.-listed ETFs have already passed last year’s annual inflow record. The useful lesson is not momentum; it is what scale does to…
Oct 9, 2026 7 min read BlackMoney Desk
ETFs & Funds
ETF inflows broke the annual record, but the margin is still thin
State Street’s $1.54 trillion less its $1.52 trillion prior record leaves a $20 billion margin, or 1.3% after $20 billion divided by $1.52…
Oct 8, 2026 7 min read BlackMoney Desk
Personal Finance
Saving Is Not Keeping Up With Spending
The household math tightened: outlays rose $190.7 billion while disposable income rose $68.6 billion, leaving a $122.1 billion gap.
Oct 7, 2026 6 min read BlackMoney Desk
ETFs & Funds
ETF inflows broke last year’s record before year-end
The key margin is $1.54 trillion - $1.49 trillion = $0.05 trillion; $0.05 trillion / $1.49 trillion = 3.4%.
Oct 6, 2026 7 min read BlackMoney Desk
Personal Finance
Household saving narrowed by $122.2B as spending outran income
BEA and FRED show personal saving fell from $1,112.4 billion to $990.2 billion, a $122.2 billion compression. The household budget signal…
Oct 5, 2026 6 min read BlackMoney Desk
Personal Finance
U.S. Saving Fell as Spending Outran Income
Personal saving dropped by $122.2 billion, calculated as $990.2 billion minus $1,112.4 billion, putting the household buffer back at the…
Oct 4, 2026 7 min read BlackMoney Desk
Personal Finance
The saving-rate drop says household budgets are doing more work
The saving rate was 4.1%, calculated as $990.2 billion / $24,223.2 billion, while spending rose faster than after-tax income.
Oct 3, 2026 6 min read BlackMoney Desk
ETFs & Funds
ETF inflows have already beaten last year's full-year record
US-listed ETFs crossed the old full-year inflow record before the fourth quarter began. The investable point is not a hot theme, but the…
Oct 2, 2026 6 min read BlackMoney Desk