How banks actually make money off you and how to use them without getting played.
Checking vs. savings accounts. How to open a bank account. ATMs, debit cards, mobile banking basics.
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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