top of page


How Governments Deal with Debt (Without Going Bankrupt)
Governments around the world owe trillions of dollars, yet they continue to function, grow their economies, and provide public services. To many people, this seems impossible. If an individual carried this level of debt, bankruptcy would be inevitable. However, governments operate under a fundamentally different financial system. Understanding how government debt works helps explain why large debt levels are not automatically a crisis and why comparisons to household debt are
Ethan Qian-Tsuchida
Jan 203 min read


Building Trust Through Familiar Systems: Tandas
In underbanked communities, one of the biggest barriers to adopting formal financial services isn’t just money, it’s trust. When banks...
Ethan Qian-Tsuchida
Sep 21, 20254 min read


Impact Investing: Doing Well by Doing Good
In a world where activist groups often urge institutions to divest from harmful industries, impact investing offers a compelling,...
Ethan Qian-Tsuchida
Aug 22, 20252 min read


The Impact of High Frequency Trading
If you’ve ever placed a trade, whether through a phone app, your retirement account, or a brokerage, there’s a good chance your order was...
Ethan Qian-Tsuchida
Aug 10, 20255 min read


Options Explained
Options are among the most versatile tools in finance, used by investors to both protect portfolios and pursue profit. Far from being...
Ethan Qian-Tsuchida
May 25, 20254 min read


USTR's Tariff Formula for Dummies: What It Means, How It Works, and What’s Next
First things first: What’s a tariff, and why do countries use them? A tariff is a tax that a government places on goods imported from...
Ethan Qian-Tsuchida
Apr 28, 20255 min read


The Power of Compound Interest
When it comes to building long-term wealth, one principle stands above the rest: compound interest. Nicknamed the "eighth wonder of the...
Ethan Qian-Tsuchida
Apr 14, 20253 min read


Understanding Index Funds vs ETFs
Two of the most popular and simplest ways for first-time investors to gain exposure to the stock market are through index funds and ETFs...
Ethan Qian-Tsuchida
Feb 17, 20254 min read


Risk Tolerance
What is Risk Tolerance? Risk tolerance is the level of risk you’re willing to take on in exchange for potential rewards in your...
Ethan Qian-Tsuchida
Jan 26, 20254 min read


The Fundamentals of Risk Managements
Every investment involves some degree of risk. In finance, risk does not necessarily mean losses, instead it refers to the amount of...
Ethan Qian-Tsuchida
Jan 19, 20255 min read


Value Investing vs. Growth Investing
Two major styles of investment strategy up for discussion: growth investing and value investing. Though they’re sometimes seen as...
Ethan Qian-Tsuchida
Dec 1, 20244 min read


Systemic Risk
Sometimes, the biggest threats to our financial stability are outside of our direct control. In this post, we dive into the basics of...
Ethan Qian-Tsuchida
Nov 1, 20243 min read
bottom of page
