For much of the past decade, refinancing a home was often viewed through a narrow lens: homeowners rushed to replace older, higher-interest mortgages with lower-rate loans, locking in monthly savings as interest rates fell. But today’s housing and lending environment tells a more complex story. Rising home values, fluctuating interest rates, and shifting homeowner priorities are… Continue reading How Rising Home Values Are Changing Refinancing Decisions
Month: January 2026
What 2026 Means for Middle-Class Wealth Building
As the United States approaches 2026, middle-class wealth building sits at a crossroads shaped by economic pressures, technological shifts, and evolving public policy. For decades, the middle class relied on a familiar formula for financial stability and growth: steady wage increases, affordable homeownership, employer-sponsored benefits, and long-term investment in retirement accounts. That formula has been… Continue reading What 2026 Means for Middle-Class Wealth Building
Emergency Funds in a High-Cost World: How to Build One Without Feeling Overwhelmed
The idea of building an emergency fund has long been considered a cornerstone of personal financial stability. Traditionally, financial experts have recommended saving three to six months’ worth of living expenses as a buffer against unexpected events like job loss, medical emergencies, or urgent home repairs. But in today’s high-cost world, marked by rising housing prices,… Continue reading Emergency Funds in a High-Cost World: How to Build One Without Feeling Overwhelmed
Why Fintech UX Will Matter More Than Interest Rates
For decades, interest rates have been the most visible lever in financial services. Banks and lenders competed on fractions of a percentage point, believing that consumers would always chase the highest yield or the lowest cost of capital. Evolve Bank fintech understands that, as financial technology continues to reshape how people interact with money, that assumption is becoming… Continue reading Why Fintech UX Will Matter More Than Interest Rates