We imagine wealth in the form of beautiful cars and shining watches. The reality is almost the opposite: wealth is precisely what we do not see. Here are, concretely, the habits that separate those who appear rich from those who actually become rich.
Fifteen to twenty-five years in school, and not a single hour dedicated to money: this is why this educational gap is so costly for the French, and how to fill it oneself.
Too complicated, too expensive, reserved for the wealthy... What if everything you think you know about money is wrong? A data-driven demonstration, without jargon.
The High Council for Financial Stability (HCSF) decided in March 2026: the rules for granting mortgage loans remain unchanged. The debt-to-income ratio remains capped at 35% of income, including insurance. If you are juggling multiple loans and considering consolidating them, this decision has direct consequences on your project, especially as you may be about to start a simulation... but not necessarily the ones you might expect. We suggest taking stock before you proceed.
A rather discreet reform, but one that will affect millions of savers, comes into effect on June 30, 2026. From that date, the retirement savings plans offered by companies, both the collective PER and the mandatory PER, will need to incorporate a new category of investments in their managed portfolios. Behind this seemingly technical change lies a small fundamental evolution for your employee savings, and for that of your employees if you are an employer. What exactly is it about, who is affected, and should we be pleased or wary? We propose to clarify the situation, without unnecessary jargon.
Buying Apple stocks, betting on gold or the euro-dollar pair from your couch in just a few seconds... What used to be the domain of trading floors is now accessible to anyone with a smartphone. Online trading has rapidly democratized, driven by increasingly user-friendly platforms. However, behind the promise of quick gains lies a much more nuanced reality. We offer you an overview of the opportunities, the risks (which are real), and the good practices to adopt before getting started.
Reducing taxes while preparing for retirement is a promise that is quite appealing. The Retirement Savings Plan (better known by its acronym, PER) is one of the few investments that combines both. And the good news is that the finance law for 2026 has just revised its rules, generally in a positive way for the vast majority of savers. But how does this tax exemption actually work? How much can one expect to save? And what exactly is changing this year? We offer you an overview, backed by figures.
The status of micro-entrepreneur continues to attract the French. With 758,600 new registrations recorded in 2025 by INSEE, a historic record, the threshold of 3 million active individuals under this regime has now been significantly surpassed. A true silent revolution, affecting both recent graduates and employees in transition as well as still-active retirees. However, 2026 marks a real turning point. Between the reform of electronic invoicing, tightening URSSAF obligations, and increasingly monitored VAT thresholds, managing a micro-enterprise calmly today requires a bit more rigor than before. An overview of the figures, new developments, and pitfalls to avoid.
Banks make mistakes. Not out of systematic malice, but because mortgage loan contracts are technical documents, often generated by software configured in series. Miscalculated rates, term default declared without following proper procedures, overestimated early repayment fees, poorly framed guarantees: the grounds for dispute exist and are more common than one might think. Here are the five points to check as a priority.
In the spring of 2026, gold is at the center of conversations as its price has experienced a remarkable sequence, blending historical records and rapid corrections. In early April 2026, the spot price fluctuated between $4,600 and $4,700 per ounce, in an environment where markets react sharply to geopolitical shocks and the trajectory of interest rates. This consolidation follows a historic year in 2025 that the World Gold Council even describes as a "groundbreaking year," with a series of peaks and total demand exceeding 5,000 tons.
