Oct 27, 2026
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2 min read
When employer plans pay hospitals and drug makers more, Medicare benchmarks shift, supplement pricing follows, and it all lands on you.
Oct 26, 2026
The S&P 500 with dividends reinvested over the same stretch came to about $108,000. Gold won by nearly 40 percentage points.
Oct 23, 2026
$1.2 trillion a year, just in interest. Tripled in six years.
Oct 22, 2026
The last record was 27%. That was right before the dot-com bust.
Oct 21, 2026
The worker-to-retiree ratio has already dropped from 3.3 to 2.7. That squeeze reaches your benefit check before it reaches the headlines.
Oct 20, 2026
Nvidia, Apple, and Microsoft alone now account for nearly 20 cents of every dollar in the fund — whether you chose that bet or not.
Oct 19, 2026
1 min read
That’s 32% of the typical household’s gross income. Lenders used to flag anything over 28%.
Oct 16, 2026
3 min read
It didn’t drift up gradually. It sat flat for two decades, then tripled in six years. The chart looks like a wall.
Oct 15, 2026
Same brands, same quantities, same store. The answer is $138. That extra $38 has already left your account, every week, for six years.
Oct 14, 2026
That 21-point spread between what banks charge you and what they pay you on savings is the widest on record.
Oct 13, 2026
S&P Global says business activity is at its fastest pace since early 2015. Ray’s chart today measures what that headline leaves out.
Oct 12, 2026
That gap is what 627 people per day decided they were finished with. Today’s chart maps where they landed.
