1. The Allure of the “13 Families” Spend enough time online and you’ll eventually run into the theory: a shadowy group of “13 families”—the Rothschilds, Rockefellers, Kennedys, and others—quietly control the world. These narratives persist because they simplify something overwhelming. Instead of navigating complex global systems, we reduce power to a handful of recognizable names. […]
Introduction: The Retirement Sandbox Modern retirement planning is built upon a carefully constructed illusion of control. We are conditioned to believe that the 401(k) represents the pinnacle of financial independence—a vehicle where the worker steers their own destiny through contribution choices and fund selection. However, as a behavioral economist, I see a different reality. The […]
