How banks actually make money off you and how to use them without getting played.
What your deposit is worth to the bank: it pays you little or nothing on it and charges borrowers far more on loans — that gap is the spread, and it's a big part of how banks make money. Then checking vs. savings, debit cards, ATMs and mobile banking, seen through that split.
Bank fees and how to avoid them (overdraft, maintenance, ATM). Online banks vs. traditional banks vs. credit unions. Direct deposit. Peer-to-peer payments (Venmo, Zelle, Cash App).
How banks actually make money from you. Interest rate spreads. Why "free checking" isn't free. FDIC insurance — what's actually protected.
Alternative financial services — payday loans, check cashing, rent-to-own — and why they target low-income communities. Predatory lending explained. Redlining's legacy.
Fintech disruption. How neobanks and DeFi are challenging traditional banking. The unbanked and underbanked — systemic barriers to financial access. How to evaluate any financial product by asking "how do they profit from me?"
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