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Architects of the Enrichment: How Jefferson, Smith, and Hamilton Built the Modern World

The Case for Keeping the Faith It is remarkably easy to get discouraged by the headlines of today. When we look at political division or the lingering injustices of our world, it’s tempting to think we are backsliding. But to feel that way is to forget exactly how far we have come. As Billy Joel famously sang in Keeping the Faith , "The good old days weren't that good, and tomorrow ain't as bad as it seems." At the time of our founding, the "good old days" were often brutal.

Econ Connections

Win/Win Economics: How Adam Smith Showed Us the Way to Prosperity

A Legacy of Enrichment. This year, we celebrate the 250-year anniversary of Adam Smith's publication of The Wealth of Nations . It is, of course, no coincidence that 1776 was also the year the American colonies declared independence from the British; both events signaled a radical shift toward individual liberty and self-determination. We owe much of our modern prosperity to the insights of Adam Smith. By identifying the mechanics of market economics, Smith helped kick off t

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Insurance Gerrymandering: The "La La Land" Tax Hitting Many Americans

In the world of policy, there is a recurring pattern where a small group of influential leaders—the "Anointed"—decide that their personal vision for society is more important than the hard facts of the market. They don't see themselves as politicians; they see themselves as rescuers. Their vision is simple: "We can make dangerous places feel safe by making them artificially cheap to live in." But in economics, there is no such thing as a free lunch. When the Anointed decide t

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The City-Center Illusion: Why Your Brain Thrives on the Road, Not the Destination

Why is understanding our own brain and neurobiology so difficult? After all, it is right behind our eyes; we carry it around and use it all the time. Part of the challenge lies in our social mental models. It turns out, the very structures that make us successful together in groups provide the wrong framework for thinking about how our individual brains operate. This article explores how our models for building community are fundamentally different from the way our biological

Personal Finance Journey

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Mortgage Rates Update: October 23rd, 2025

For the week ending October 23rd, 2025, the 30-year fixed mortgage rate continued its recent downward trajectory, falling by a notable 8 basis points (bp). This decline is particularly interesting as the 10-Year Treasury rate simultaneously increased by 2bp, a divergence that suggests idiosyncratic factors are impacting mortgage-backed security pricing, leading to a narrowing of the spread. For a $100,000 loan at 6.19%, the monthly payment decreased $5 to $612 Upcoming releas

Econ Connections

Bill Knudson

Oct 24, 20251 min read

Treasury Rates Update: October 23rd, 2025

The narrative in the U.S. Treasury market has decidedly shifted this past week, with rates across the curve experiencing a notable decline, signaling potential market jitters or a flight to safety. This follows a period marked by government dysfunction, including the lack of CPI data this week and the earlier Federal Government shutdown. Upcoming Key Economic Data Release: Next net new job release is 11.7.25 (10.3.25 Fed Govt shutdown, no data) Next inflation release 11.13

Econ Connections

Bill Knudson

Oct 24, 20251 min read

Treasury Rates Update: October 16th, 2025

Econ Connections

Bill Knudson

Oct 24, 20251 min read

Mortgage Rates Update: October 16th, 2025

The week ending October 16th, 2025, saw a continued, though marginal, decline in 30-year fixed mortgage rates, offering a brief reprieve to borrowers. Crucially, the decoupling from Treasury movements observed last week has amplified, widening the spread between the 30-year mortgage and the 10-year T-Note. This indicates a persistent level of caution among mortgage-backed security investors For a $100,000 loan at 6.27%, the monthly payment decreased $2 to $617 Upcoming releas

Econ Connections

Bill Knudson

Oct 18, 20251 min read