A few months ago, I peeked at a retirement account I hadn’t thought about in years. What I saw shocked me. The $26,500 I

I’ve taken drastic steps this year to improve my financial education. Recently, I moved a significant portion of my savings into $VTI, an index fund that tracks the total market. I only wish I’d done this earlier. If I had, the $60,000 in my retirement account might be worth $100,000 by now. So put your money in index funds as early and often as possible.

To be honest, if it wasn’t for my parents urging me to put money in index funds, I may never have learned what they were. The truth is I’ve been financially illiterate for most of my life, either because I’m right-brained and naturally apathetic towards numbers or because I grew up in a middle-class home and never felt the threat of poverty.

I’m thankful that USB-C is becoming universal, slowly pushing us toward a future where we have a single standardized connector for everything. But it’s more confusing than ever to perform the simple act of plugging things in. When it first arrived on the scene, USB-C was pitched as a utopia: One cable to rule them all, but now that we’re living in that future, figuring out which cable is the right one when they all look the same is an unresolved nightmare.

I fell in love with the concept of entrepreneurship in college. The prospect of being my own boss while also striking it rich was irresistible. But there was one problem. My entrepreneurship classes only featured the kinds of start-ups you see on Forbes: revolutionary e-commerce brands, up-and-coming social media platform, energy companies destined to save the environment.

The concept behind this is straightforward. Individual stocks can go to zero, but over time, the stock market as a whole always goes up. Rather than tracking individual stocks, index funds go up and down according to the entire stock market. So some years it may go down, and some years it may go up, but in the long term, it always goes up. That makes them a safe and potentially very lucrative investment.

Two days after Apple started selling the new Apple Silicon M1 Macs in their stores, I threw my nearly two-year-old 2019 MacBook Air and its charger into my backpack and marched to my nearest premium reseller* to embark on an exciting and only moderately expensive journey into the slightly unknown.

The UX Collective donates US$1 for each article published in our platform. This story contributed to Bay Area Black Designers: a professional development community for Black people who are digital designers and researchers in the San Francisco Bay Area. By joining together in community, members share inspiration, connection, peer mentorship, professional development, resources, feedback, support, and resilience. Silence against systemic racism is not an option. Build the design community you believe in.

Bitcoin is nearing its prior all-time high (ATH), set in December 2017. It’s entirely plausible that we could regain the heady $20,000 level within the next few weeks or months.

How any normal person is supposed to grasp this soup of standards, built atop a single port that looks the same, is anyone’s guess. Having a single, universal port on the majority of my devices is a godsend, but it feels like spinning the wheel every time I plug something in: Will it behave the way I expect? If it’s this difficult for me, I’m not sure how the average person will know how to figure out what’s wrong.

After a slightly awkward dialog at the shop where I had to clear up whether I was looking for “training” or “trade-in” (masks have a huge detrimental effect on accessibility, but not many talk about it), out I walked five minutes later with a brand new MacBook Pro 13' with Apple Silicon M1 under the hood. For brevity I’ll keep referring to it as Pro M1 (and yes, I know this article won’t age well).

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ere happy couples kissing and holding hands. It was torture. San Fran wasn’t a fairytale either. There was homelessness everywhere. The tram cars had people in the morning who would scream the whole way and beg for help, due to their mental illness. The onlookers, including me, seemed completely oblivious as though they couldn’t hear or see anything other than the screen of their rotten apple.

I’m thankful that USB-C is becoming universal, slowly pushing us toward a future where we have a single standardized connector for everything. But it’s more confusing than ever to perform the simple act of plugging things in. When it first arrived on the scene, USB-C was pitched as a utopia: One cable to rule them all, but now that we’re living in that future, figuring out which cable is the right one when they all look the same is an unresolved nightmare.

In 2008, Drew Houston posted a screencast of his demo product online. 14 months later, he was sitting across the desk from Steve Jobs, rejecting his nine-digit acquisition offer.

There is some hope in the future with USB 4, which the USB Implementers Forum (USB-IF) announced in 2019. The new standard uses the same USB-C connector, and is actually built on top of Thunderbolt, which will help resolve a large amount of confusion and offer fast speeds universally. But, like with previous versions of USB, getting devices certified will remain optional, and there’s no clear plan for how consumers will be able to identify cables or devices that support the new standard, all of which will need to be replaced to actually use it.

In contrast, you’re getting poorer every second you let your money sit in the bank. The average annual inflation rate since 1913 is roughly 3%, but the average interest rate for checking accounts is just 0.06%.