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.
Markets & Economy
Not financial advice — educational only. Somewhere in a data center in New Jersey, a computer just bought and sold a stock in less time than it takes light to travel the length of a football field. Multiply that by millions of times a second, across every major exchange, and you
Personal Finance
Not financial advice — educational only. A decade ago, "the gig economy" mostly meant driving a rideshare or delivering takeout on weekends. In 2026 it means something much bigger: a skilled knowledge worker in Ohio invoicing a startup in Berlin, a video editor stacking three retainer clients, a data
Personal Finance
Not financial advice — educational only. Money is not a personality trait. It is a skill set — one that has been unevenly taught, unevenly rewarded, and, for a long stretch of history, legally withheld from women. The good news for 2026 is that the numbers are moving in the right direction,
Fintech
Educational only. This article explains financial cryptography for a general audience and is not security or investment advice. Every time you tap a card, approve a payment in an app, or move money between accounts, a silent chain of cryptography decides whether that transaction is safe. Finance runs on trust,
Fraud & Financial Crime
Educational only — not legal or financial advice. Pyramid schemes are among the oldest financial cons in existence, and they keep working because they dress up an unsustainable math problem as a life-changing opportunity. The core deception is always the same: money flows in from new recruits and up to
Crypto
Not financial advice — educational only. "Digital gold" is the nickname that stuck. Both Bitcoin and gold are scarce, hard to produce, and held as a hedge against a world where currencies can be printed at will. But 2026 has been a fascinating stress test of that comparison — and
Fraud & Financial Crime
Educational only — not legal or financial advice. Every year, hundreds of billions of dollars that legally belong in public coffers simply vanish. The gap between what U.S. taxpayers owe and what they actually pay has climbed toward $688 billion a year, according to Treasury estimates — a shortfall that shifts