Crypto
Stablecoins Explained: What Actually Backs a Dollar Peg?
An explainer on how dollar-pegged stablecoins are structured, what reserves back them, and why the mechanisms used to maintain a peg differ significantly across issuers.
May 18, 2026
Independent · Reader-first · Est. 2026
Personal finance without the sales pitch.
Fi-Time explains how American money products actually work — the fees, the fine print, the incentives — so you can read a statement, a prospectus or a headline and know what you are looking at.
Latest stories
16 articles
Crypto
Crypto Security Habits That Actually Reduce Everyday Risk
Practical, non-promotional security habits for anyone holding crypto assets, covering seed phrase storage, phishing awareness, and device hygiene.
July 21, 2026
Banking
Choosing a Bank: What Online and Branch-Based Accounts Trade Off
Online banks often offer higher rates and lower fees, while branch-based banks offer in-person service and cash handling — the right fit depends on how an account is actually used.
July 20, 2026
Money News
Financial Scams Are Getting More Convincing — Here's How to Adapt
Scammers are using better technology and more patient tactics. A look at the shifting playbook and practical habits that hold up against it.
July 10, 2026
Investing
Fund Fees and Expense Ratios: What Investors Actually Pay
Expense ratios, loads, and transaction costs each affect a fund's return differently. A breakdown of what these fees are and where they show up.
July 10, 2026
Banking
Overdraft Fees and How Banks Decide When to Charge Them
Overdraft fees depend on account settings, transaction order, and whether a customer has opted into coverage for debit card purchases, not just on the size of a shortfall.
July 6, 2026
Crypto
Crypto Taxes in the US: The Basic Rules Worth Understanding
A general overview of how the IRS treats crypto transactions in the United States, covering taxable events, cost basis, and recordkeeping — not personalized tax guidance.
July 6, 2026
Money News
Buy Now, Pay Later Keeps Growing — and So Do the Tradeoffs
Buy now, pay later plans have moved from checkout novelty to mainstream credit tool. Here's a balanced look at how they work and what to weigh.
June 20, 2026
Investing
Dollar-Cost Averaging: What It Does and What It Doesn't
Dollar-cost averaging spreads purchases over time instead of investing all at once. Here's how the mechanics work and what the strategy can't guarantee.
June 19, 2026
Crypto
Crypto Risk 101: The Main Ways Things Can Go Wrong
A sober overview of the categories of risk in crypto markets — from price volatility to custody failures and smart contract bugs — without predicting outcomes.
June 8, 2026
Banking
Credit Card Interest, Explained: How the Math Behind APR Works
Credit card interest is calculated daily on an average balance, not once a month, which is why carrying even a small balance can cost more than a flat monthly rate suggests.
June 2, 2026
Investing
Diversification Is More Than Just Owning a Lot of Stocks
Owning many stocks isn't the same as being diversified. A look at correlation, asset classes, and the layers of diversification often overlooked.
June 2, 2026
Money News
Payment Regulation Is Shifting: What Consumers Should Know Now
New rules around payment apps, overdraft fees, and open banking are reshaping how money moves. Here is a plain-language guide to the changes underway.
June 2, 2026
Investing
401(k) vs. IRA: How Contributions Flow Into Each Account
A side-by-side look at how workplace 401(k) plans and individual IRAs differ in contribution limits, tax treatment, and who controls the account.
May 18, 2026
Money News
Inflation and the Family Budget: Reading Past the Headline Number
The headline inflation rate rarely matches what any one household actually experiences. Here is how to read the data against your own spending patterns.
May 18, 2026
Banking
High-Yield Savings Accounts Explained: What the Rate Actually Means
A higher advertised interest rate on a savings account can mean different things depending on compounding frequency, minimum balances, and whether the rate is a temporary promotion.
May 18, 2026
Crypto
Crypto Wallets Explained: How Public and Private Keys Actually Work
A plain-language look at how crypto wallets generate keys, sign transactions, and why the difference between custodial and non-custodial storage matters for everyday users.
May 4, 2026