Pocket Democracy

  Trump's 10% Credit Card Interest Rate Cap: What It Means for Your Wallet (And Why Banks Are Pushing Back) So here we are again… talking about credit card debt. I know, I know. It's not exactly the most fun topic to dive into on a Saturday morning. But if you're like most Americans right now, carrying a balance on at least one credit card and wincing every time you see that interest charge on your statement, this news might actually matter to you. President Trump just called for a one-year cap on credit card interest rates at 10%, effective January 20, 2026. That's exactly one year after his second inauguration. The announcement came via Truth Social late Friday night, and... well, let's just say the banking industry isn't exactly thrilled about it. But before we get into the drama (and trust me, there's plenty), let's talk about what this actually means for you. The Current State of Credit Card Interest Rates: It's Rough Out There Here's ...

Disillusionomics: How Gen Z Is Fighting Near 6-Figure Debt With Multiple Income Streams (And Changing Work Forever) You know what's wild? I was talking to my friend Sarah last week, she's 24, works full-time at a marketing agency, runs an Etsy shop selling custom planners, does voiceover work on Fiverr, and… oh yeah, she's also building a course on TikTok growth strategies. When I asked her how she manages it all, she just shrugged and said, "I mean, my day job barely covers rent. What else am I supposed to do?" And that's when it hit me. This isn't just Sarah. This is an entire generation that's fundamentally rewriting the rules of how we think about work, money, and success. Welcome to the world of disillusionomics . What Even Is Disillusionomics? (And Why Should You Care) Okay, so… disillusionomics sounds like something a economist made up after too much coffee, right? Actually, that's kind of what happened. British economist Alice Lassma...

Men's Makeup Goes Mainstream: Gen Z's $85B Beauty Revolution How Gen Z Is Making Men's Makeup Mainstream (And Why Beauty Brands Are Finally Paying Attention) You know that moment when you notice something's changed... but you can't quite pinpoint when it happened? That's where I found myself a few months back, standing in the skincare aisle at Target. There was this guy, maybe early twenties, wearing a hoodie and sneakers, comparing two different concealers like he was choosing between phone plans. No hesitation. No looking around to see who might be watching. Just... shopping. And honestly? Nobody batted an eye. The share of U.S. men who say they never wear makeup has fallen from more than 90% in 2019 to about 75% in 2024, according to research from Statista. That's not a trend. That's a tectonic shift in how an entire generation thinks about grooming, masculinity, and what it means to take care of yourself. But here's what makes this interesti...

  AI Memory is Sold Out: Why Your Next Laptop Just Got Way More Expensive (And What You Can Do About It) The Day RAM Became Gold You know that feeling when you check the price of something you've been eyeing... and it's suddenly doubled? Yeah. Welcome to the RAM crisis of 2026. I was building a modest gaming PC for my living room last month, nothing fancy, just something to play on the TV with decent surround sound. I'd spec'd out everything, did my research, and saved up. Then I checked the final prices before ordering. The 32GB DDR5 kit I'd budgeted at $95? It was now $247. I sat there staring at my screen, refreshing the page. Thinking it was a glitch. It wasn't. Here's the thing... this isn't just affecting PC builders like me. It's hitting everyone. Your next laptop, your kid's gaming console, that new smartphone you've been waiting for, they're all about to get significantly more expensive. And honestly? It might get worse be...