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Insights

Researched, long-form pieces on history, economics, the AI landscape, and other topics worth understanding in depth — published roughly weekly.

India's Fertility Rate Just Fell Below Replacement. Here's Why the Real Story Is in the States

India's fertility rate has fallen to 1.9, below the 2.1 replacement level, per UNFPA and government SRS data. But population momentum means the working-age share is still rising, now 68.6% of India, a

2 Oct 2026 · By AnonymousIndia's Banks Shut for Three Days Starting Sept 28. The Real Fight Isn't the Five-Day Week

A three-day nationwide bank strike from Sept 28-30 is being sold as a fight over Saturdays off. I think the more consequential dispute is buried in the other demand: how bank employees get paid.

24 Sept 2026 · By The Financial Buddy TeamOil Hit $100 Again. The Real Story Is the Strait of Hormuz

Brent's climb back above $100 a barrel looks like breaking news, but it is the latest chapter of a seven-month oil shock, not a fresh one.

17 Sept 2026 · By The Financial Buddy Team