Predatory lending through earned wage advance apps and payday loans disproportionately targets vulnerable low-wage workers, particularly those in the gig economy or service industries, many who earn less than $50K per year. These individuals, often living paycheck to paycheck, are drawn to the promise of quick cash but are hit with exorbitant interest rates, sometimes exceeding 300% APR's. According to the Center for Responsible Lending, these high rates and hidden fees can quickly spiral out of control, trapping borrowers in a cycle of debt. Instead of providing relief, these loans often exacerbate financial instability, leaving workers worse off and caught in a cycle of borrowing just to stay afloat.


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The ongoing discussion around NIL (Name, Image, Likeness) deals, their tax implications, and the future of college athletics has been heating up in recent years. One key topic is whether NIL deals should be tax-exempt, with some arguing that athletes should not be taxed for using their own name and likeness, while others maintain that they should be treated like any other form of earned income. In this episode I discuss NIL deals, states that are pushing for tax exemptions on NIL Deals, and the House Vs. NCAA settlement. 


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The opioid settlement, which resulted in billions of dollars from major pharmaceutical companies like Johnson & Johnson, McKesson, Cardinal Health, and AmerisourceBergen, is designed to address the opioid crisis by funding addiction treatment, prevention, and recovery efforts. Critics argue that the distribution process lacks transparency and being misdirected toward administrative costs rather than direct support for addiction recovery.  

In this episode I discuss the opioid settlement, where the money is going and what is currently the state of the opioid crisis in America.


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Wage theft is a serious issue in the United States, particularly affecting low-wage workers like restaurant staff, retail employees, and home care workers. Employers often fail to pay employees for overtime, force them to work off the clock, or withhold tips, leaving workers with less than they’re owed. It’s estimated that U.S. workers lose billions of dollars each year due to wage theft. While some states have enacted stronger laws and enforcement mechanisms, the problem persists, and many workers are unaware of their rights or too afraid to report abuse.  In this episode I reivew where this occurring, who is most affected and what is being done to prevent it.


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In 2024, the U.S. sports betting industry experienced unprecedented growth. This surge in betting activity led to a record $13.71 billion in revenue significantly up from 2023's numbers. However, this expansion has been accompanied by a significant rise in gambling addiction.  While the sports betting industry has achieved record revenues, this growth has been accompanied by increased gambling addiction rates and a concerning decline in the financial stability of a significant portion of the U.S. population.  In this episode I review sports betting in the U.S.,  the addiction its creating and the cost its having on the bettors finances.  #pgam2025


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The U.S. faces a growing national debt. President trump has proposed reductions in civilian government workers in an effort to curb spending, aiming to decrease the size of the federal workforce and reduce operational costs. Taxes are primarily collected to support these large-scale programs and fund government operations, but with a large debt load and increasing healthcare costs, the financial strain on the system continues to grow. In this episode I discuss U.S. government spending, U.S. debt and the billions of dollars lost each year because of Medicare/Medicaid fraud.


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The turnover of superintendents in school districts across the United States has become a significant concern, with many districts experiencing frequent changes in leadership. This instability in leadership can have a profound impact on both the functioning of school districts and the education of children. This disruption is further compounded by the fact that superintendents often receive substantial buyouts as part of their contracts when they leave, whether through resignation or termination. These buyouts, often funded by public resources, can be seen as an unnecessary financial burden on the district, diverting funds that could be better spent on direct educational initiatives. In this episode of peoples voice podcast and I discuss the school superintendent issue in American public schools.  


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People leave their jobs in the U.S. for a variety of reasons, including seeking better pay, career growth, work-life balance, or a more supportive work environment. However, studies have shown race can play a significant role in these decisions as well. The decision to leave a job is often influenced not just by personal career goals, but by the broader social and organizational dynamics that impact an individual’s experience in the workplace. In this episode I discuss why people leave their jobs and the influence race has on those decisions. 








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The escalating cost of homeowners insurance in the 21st century has raised concerns about its role in perpetuating discrimination, particularly among people of color. For many Black, Hispanic, and Indigenous families, the cost of insurance becomes an insurmountable barrier to protecting their homes, leading to higher rates of underinsurance or going without coverage altogether. Many argue that the situation represents a form of modern discrimination that exacerbates long-standing racial and economic divides.


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Dry January, a month-long challenge where individuals abstain from alcohol, has gained significant traction in recent years as part of a broader global shift toward reduced alcohol consumption. This trend is particularly pronounced among Gen Z, a generation that is increasingly rejecting excessive drinking in favor of healthier lifestyles. Studies show that globally, alcohol consumption has been declining, with younger generations leading the charge. in this episode I discuss this movement, the health effects and how this will continue to change the global landscape of drinking habits in the coming years. 



























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Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research