Most people do not wake up in the morning asking themselves whether they are "rich" or "poor". Those categories are too abstract, too distant, too blunt to capture real life. The question that lingers much more often - quietly, persistently - is a different one. It shows up during the drive to work, or in that moment just before falling asleep: Am I managing my money the right way? It is not a simple question, and the answer is rarely obvious.It cannot be found by glancing

It happens to us all, usually on a Thursday night or Friday morning, when we open a news app or scroll through our social media feeds. The headlines scream in red: The Governor of the Bank of Israel is weighing his next steps, inflation in the US refuses to cool down, housing prices are breaking records again, and there are whispers of a global slowdown. In that moment, something in the gut clenches. This isn’t just theoretical anxiety for academic economists; it is existenti

The 2024 Social Survey conducted by Israel’s Central Bureau of Statistics (CBS) provides a rare and contemporary source for understanding not only financial behaviors within Israeli households, but also the deeper social, psychological, and structural processes that shape financial responsibility. Beyond presenting empirical findings, the survey reveals tensions between social norms, perceptions of responsibility, levels of digitization, experiences of control, and structural

In a world where financial data flows faster than ever but financial understanding lags behind, the question of clarity has become one of the most critical challenges of the digital age. Every decision, from career planning and household budgeting to long-term retirement, depends on one’s level of financial literacy. Most people are aware of their income and expenses but struggle to grasp the long-term implications of their daily choices. They know how much they earn and how

In today’s complex financial world, one number quietly defines how in control you really are - your debt-to-income ratio . It’s a simple measure of how much of your income goes toward paying debts, but it reveals far more: balance, stability, and the freedom to plan your future. At EchoNomics , your debt-to-income ratio is one of the core metrics that make up your personal Financial DNA . It’s not about judgment, it’s about clarity. In just a few seconds, the platform visuali