Muslih Ali is an Editor of TheSchicht and a software engineer. He writes guides on personal finance, investing, markets, and financial technology, combining editorial research with hands-on experience building fintech and developer tools.
Personal Finance
Not financial advice — educational only. Financial freedom is one of those phrases that gets stretched until it means nothing. For some people it is quitting a job they hate. For others it is simply not flinching when the car needs a new transmission. The common thread is control: your money
Fraud & Financial Crime
Educational only — not legal or financial advice. Terrorism runs on money. Every plot needs cash for weapons, travel, safe houses, propaganda and the salaries that keep a network alive — and every dollar that moves leaves a trail. "Financial terrorism," more precisely called terrorist financing, is the business of
Crypto
Educational, not financial advice. This article is about macroeconomics and a volatile asset class. It contains no recommendation to buy, sell or hold anything. Bitcoin can lose most of its value in months — it has, twice — and currency forecasting has a poor track record, including mine. Figures verified 13 July
Fraud & Financial Crime
Educational only — not legal or financial advice. Criminals have a problem most people never think about: what do you actually do with a pile of illegal cash? Spend it too openly and you invite questions from banks, tax authorities and police. Money laundering is the answer criminals have engineered — the
Markets & Economy
This article is for general information only and is not financial advice. Day trading means opening and closing every position within a single trading session, betting on short-term price moves rather than long-term value. Between 1% and 4% of day traders make money over the long run; in
Crypto
This article is for general information only and is not financial advice. Heading into 2026, crypto isn't a fringe experiment: over 55 million Americans hold digital assets, the total market cap crossed $4 trillion, and 42% of Gen Z own crypto — four times the share that hold a
Personal Finance
This article is for general information only and is not financial advice. Most budgets fail because they demand constant attention — logging every coffee, justifying every purchase, feeling deprived by design. Undercover budgeting flips that: you engineer your accounts and defaults so saving happens automatically and overspending becomes hard, then you
Personal Finance
Not financial advice — educational only. Scroll through any career feed in 2026 and you will meet the same character: the laptop entrepreneur on a beach, sipping coffee, "living the dream" while the rest of us clock in. Freelancing is sold as an escape hatch from the 9-to-
Fintech
This article is for general information only and is not financial advice. Microcredit is the practice of making very small loans, from a few dollars to a few thousand, to people who cannot borrow from a traditional bank. It began in 1974 when economics professor Muhammad Yunus lent $27 to
Personal Finance
This article is for general information only and is not financial advice. Financial independence from your parents means covering your own life — rent, food, transport, debt, and savings — without relying on their money. It's a defining milestone of adulthood, and it's reachable with a plan rather
Crypto
This article is for general information only and is not financial advice. Crypto taxes stopped being optional the moment the IRS moved the digital-assets question to page one of Form 1040, right above the signature line. Every U.S. taxpayer must answer whether they received, sold, exchanged, or disposed
Money Psychology
Not financial advice — educational only. Most people who lose money in the markets do not lose it because they are stupid, lazy, or unlucky. They lose it because the human brain was never designed to price risk, sit still, or ignore a flashing green number. The same wiring that keeps