Part 2: The Rise of Central Banking and the Federal Reserve
By Black Hills Financial Planning If Part 1 of this series showed us how banking evolved from trust to debt, then Part 2 reveals how debt became centralized — reshaping not only banking, but also the way governments, businesses, and families interact with money. This shift took its most important...
Part 1: The Origins of Banking – From Trust to Debt
By Black Hills Financial Planning When most people think of banking, they picture vaults of cash, tellers behind glass, and debit cards that magically make money appear at the checkout line. But banking didn’t begin this way. Its origins tell a fascinating story of how societies learned to manage...
Trump Accounts for Newborns: A Good Start, But Not the Whole Plan
By Black Hills Financial Planning | August 2025 By now, you’ve probably heard about the new Trump Account program. It’s been in the news and all over social media: starting in 2024, the federal government is giving $1,000 to every baby born in the U.S.—no application needed. Naturally, this has...
Navigating Tough Times: Making Smart Financial Decisions in a Rough Economy
In today’s unpredictable economy, many individuals and families are feeling the pressure of rising costs, market instability, and financial uncertainty. While it's easy to feel overwhelmed, now more than ever is the time to focus on smart, deliberate decisions that can help you weather the storm...
Unpacking the Heart of Your Wallet: How Emotions and Beliefs Shape Financial Habits
At Black Hills Financial Planning, we believe that financial well-being is more than just budgets, spreadsheets, and retirement accounts—it's also deeply personal and emotional. For many people, financial habits are not simply a product of income and...
