Discover the rising trend of “revenge saving” — how and why Americans are prioritizing savings over splurging, plus smart strategies to future-proof your finances.
Table of Contents
Introduction
In 2025, a new financial trend is sweeping the nation: “Revenge Saving.” After years of post-pandemic splurging, many Americans are now turning their focus—and wallets—back to building financial stability. Whether it’s bolstering emergency funds or cementing long-term financial goals, savings have become a new badge of empowerment over indulgence.
1. What Is “Revenge Saving”?
Coined to describe an emotional pivot from reckless spending to purposeful saving, this behavior is driven by economic uncertainty, rising costs, and the need for control over personal finances. Essentially, people are reclaiming agency—by prioritizing savings over consumption.
2. Why It’s Gaining Momentum in 2025
- Economic Anxiety: Trade tensions and inflation have heightened a sense of financial vulnerability.
- Behavioral Shift: Americans are focusing on manageable habits—automated saving, predictable budgets, and controlled spending.
Baby steps—like building emergency funds or paying down debt—are being seen not as sacrifice, but as smart, empowering moves.
3. How Americans Are Doing It
| Strategy | What It Does |
|---|---|
| Automate Savings | Set up automatic transfers into emergency and goal-specific accounts—making saving effortless. |
| Set Clear Goals | Short-term challenges (e.g., “save $500 in 30 days”) build momentum and trackable progress. |
| Stay Flexible | Balance savings discipline with small permitted rewards to avoid burnout. |
| Build Buffers | From budgeting for date nights to covering tuition with a 529 plan, financial clarity is being prioritized. |
4. Why “Revenge Saving” Works
This trend isn’t about deprivation—it’s about security and intention. Whether it’s reducing reliance on credit or planning for early retirement, money moves are becoming emotionally intelligent moves.
Financial advisors emphasize that:
- Goal-oriented saving beats impulse spending.
- Healthcare and debt are less stressful when solvable through buffer funds.
- Saving aligns with long-term wealth strategies, not just short-term comfort.
FAQs
Q1: What exactly is “revenge saving”?
A shift toward aggressive saving behaviors following a period of overspending, meant to reclaim financial control.
Q2: How can I start implementing it now?
Begin with auto-saves, set achievable benchmarks, and allocate discretionary spending—like date nights—to strengthen sustainability
Q3: Is it emotionally driven?
Absolutely. More than budgets, this trend represents a mindset shift—from spending to security.
- US Democracy Under Siege: Risks for Economy & Business
Experts warn US democracy is eroding fast. Discover how political pressure, tariffs, and state control threaten America’s economy.
The US Economy Has a New Problem: Democracy Under Siege
America’s economy faces a growing challenge — and it’s not just inflation, jobs, or global trade. Instead, experts warn that the erosion of democratic institutions could destabilize both the markets and the nation’s long-term growth.
Recent actions by the government — from firing key statisticians to meddling in private business — have sparked deep concern among economists, CEOs, and political scientists alike. Many believe these moves resemble tactics seen in authoritarian regimes, not in the world’s leading democracy.
Democracy and the Economy: Why the Stakes Are So High
Research consistently shows that democracies outperform autocracies economically. Studies reveal that when countries democratize, GDP per capita rises by nearly 20% in the long run. The reason is simple: democracy encourages investment in education, healthcare, and innovation, while authoritarian systems tend to create instability and erratic policymaking.
A 2019 peer-reviewed study titled “Democracy Does Cause Growth” highlighted how free societies promote stronger institutions that directly benefit economic prosperity. On the other hand, populist regimes often deliver the opposite effect, leaving behind weaker growth and poorer long-term outcomes.
Business Leaders Sound the Alarm
While most CEOs remain silent publicly to avoid political retaliation, many are increasingly concerned behind closed doors. Yale professor Jeffrey Sonnenfeld, often called the “CEO Whisperer”, revealed that top executives privately describe the erosion of democracy as “deeply alarming.”
Some worry about the government’s growing role in state-backed investments, including high-profile deals involving Intel, US Steel, and rare earth companies. Critics warn this blurs the line between capitalism and state ownership — a model more familiar in China or Russia than the United States.
Former Vice President Mike Pence cautioned that America risks “sliding into dangerous territory,” while other economists argue that such intervention could permanently distort competition and free markets.
Rising Pressure on Free Speech and Institutions
Another major concern is the growing pressure on media and independent institutions. Recent threats against late-night programs and the firing of top statisticians and Federal Reserve officials have raised red flags.
Experts warn that undermining free expression and weakening independent agencies could shake investor confidence and further destabilize markets. Economist Vanessa Williamson described the situation as “rapid democratic erosion,” stressing that the United States is moving toward worst-case scenarios that once seemed unthinkable.
Government Overreach or Economic Strategy?
The White House defends its actions, arguing that strong intervention is necessary to restore economic power and attract global investment. Officials point to trillions of dollars in commitments from tech and pharmaceutical giants as proof of success.
However, critics counter that short-term gains may come at the cost of long-term stability. State-controlled enterprises, unpredictable tariff threats, and politically motivated interventions could undermine trust in America’s economic system — one of its strongest global advantages.
FAQs on US Democracy and the Economy
Q1: Why is democracy important for economic growth?
Democracy supports transparency, accountability, and innovation — all key drivers of sustainable economic expansion.Q2: How are US businesses reacting to democratic erosion?
Publicly, most CEOs remain cautious. Privately, many express deep concerns about state control, tariffs, and institutional instability.Q3: What risks do state-owned business models pose?
They reduce competition, distort markets, and risk locking taxpayers into failed ventures — a system more common in authoritarian economies.Q4: Could democracy’s erosion impact global markets?
Yes. As the US is the world’s largest economy, political instability could affect trade, investment flows, and investor confidence worldwide.
Conclusion: The Future of US Democracy and Economic Stability
The erosion of democracy in the United States is no longer just a political debate — it’s an economic risk with far-reaching consequences. From state intervention in private businesses to pressure on media and independent institutions, the very foundation of America’s economic stability is being tested.
If democratic values continue to weaken, the long-term costs could outweigh any short-term gains. For business leaders, investors, and citizens alike, the path forward may determine not only the health of the US economy but also its role as a global leader in democracy and free markets.
- Kamala Harris’ Book ‘107 Days’: Key Takeaways from First Interview
Kamala Harris shares candid insights on Biden, Buttigieg, and Trump in her first interview about her memoir ‘107 Days.’ Read the highlights now.
Takeaways from Kamala Harris’ First Interview on Her New Book 107 Days
Vice President Kamala Harris sat down for her first television interview to discuss her new memoir, 107 Days. In the conversation, Harris opened up about her reflections on Joe Biden’s reelection bid, her decision-making process for choosing a running mate, and her views on key Democratic figures. The discussion, hosted by MSNBC’s Rachel Maddow, shed light on some of the most talked-about passages in her book.
Harris on Biden’s Reelection Push
One of the most striking moments in her memoir revolves around President Biden’s decision to seek reelection. Harris admitted that she wrestled with how much she should have intervened.
She acknowledged that while she believed Biden’s decision carried significant risks, she hesitated to voice concerns directly, fearing it would be seen as self-serving during a critical election period.
Why She Passed on Buttigieg as Running Mate
Another topic that drew attention was Harris’ explanation for not selecting former Transportation Secretary Pete Buttigieg as her running mate.
Although she described Buttigieg as her first choice and praised him as a “phenomenal public servant,” Harris admitted that the political climate made her cautious. She reflected that, with limited time before the election, she worried that asking voters to embrace both a Black woman president and a gay vice president might have been perceived as too much of a gamble.
Buttigieg later responded, suggesting that voters ultimately judge leaders by policies and results rather than identity.
A Measured Endorsement of Zohran Mamdani
Harris was also asked about Zohran Mamdani, the Democratic nominee for New York City mayor. While many senior Democrats have hesitated to support him, Harris offered a careful endorsement, saying she would support the Democratic candidate in the race.
At the same time, she stressed that the party should recognize rising leaders across the nation, citing figures like Barbara Drummond in Alabama and Helena Moreno in New Orleans.
Taking Aim at Trump
Throughout the interview, Harris did not hold back in her criticism of Donald Trump, labeling him a “tyrant” and warning that his leadership poses a serious threat to democracy. She urged business leaders and institutions to push back against what she described as anti-democratic behavior.
She also weighed in on the controversy surrounding comedian Jimmy Kimmel’s suspension, pointing to it as evidence of the public’s power to influence corporate and media decisions.
Harris on Her Political Future
Looking ahead, Harris ruled out a run for California governor and downplayed speculation about another presidential campaign in 2028.
Instead, she expressed support for California Gov. Gavin Newsom’s push for a referendum to counter Texas’ redistricting strategy, arguing that Democrats should be prepared to “fight fire with fire.”
🤔 FAQs about Kamala Harris’ Interview on 107 Days
Q1. What is Kamala Harris’ new book 107 Days about?
It’s a memoir detailing her journey after Joe Biden stepped aside, her campaign challenges, and the process of building her ticket.Q2. Why didn’t Kamala Harris choose Pete Buttigieg as her running mate?
Harris said she admired Buttigieg but feared that asking voters to accept both a Black woman president and a gay vice president in a short campaign window was politically risky.Q3. Did Kamala Harris endorse Zohran Mamdani?
She offered cautious support, stating she would back the Democratic nominee but highlighted other rising Democratic leaders nationwide.Q4. How did Kamala Harris describe Donald Trump?
Harris repeatedly referred to Trump as a “tyrant” and urged institutions to resist what she sees as his anti-democratic actions.Q5. Is Kamala Harris planning to run for president in 2028?
No. Harris stated that a 2028 presidential bid is not her focus right now.
📝 Conclusion
Kamala Harris’ first interview on her memoir 107 Days offered an unfiltered look into her political mindset during one of the most turbulent chapters in American politics. From her reflections on Biden’s reelection bid to her candid thoughts on Buttigieg and Trump, Harris’ remarks highlight both the challenges and calculations that shaped her decisions.
As the Democratic Party looks toward the future, Harris’ insights will likely fuel conversations about leadership, strategy, and the road to 2028.
- Stephen Miran warns Fed is lagging behind on rate cuts
Fed Governor Stephen Miran says US interest rates are too restrictive, risking jobs. Learn why he believes the Fed must cut rates aggressively.
The Fed Has a Lot of Catching Up to Do, Says New Central Banker Stephen Miran
Washington — Federal Reserve Governor Stephen Miran, a close ally of President Donald Trump, has raised alarm that America’s central bank is underestimating the risks high interest rates pose to the labor market. Speaking at his first public event in New York since joining the Fed Board, Miran argued that the Fed is far behind where it needs to be on monetary policy.
Stephen Miran’s First Warning as Fed Governor
Miran, who previously served as Trump’s economic adviser, made clear that the current level of borrowing costs is overly restrictive and could significantly harm job growth.
“Miran cautioned that the Fed’s current stance on interest rates is overly restrictive and could put the central bank’s employment goals at serious risk.”
The warning comes shortly after the Federal Reserve’s first rate cut since December, a move Chair Jerome Powell described as necessary to prevent further damage to the labor market. But according to Miran, the Fed’s cautious approach is still too slow and insufficient.
Why Miran Believes Interest Rates Are Too High
Miran’s analysis centers on the neutral rate of interest — the theoretical point where interest rates neither stimulate nor restrict economic growth.
- He believes the neutral rate is lower than economists currently estimate.
- Trump’s fiscal policies, including his tax and spending bill and strict immigration crackdown, are applying downward pressure on the neutral rate.
- This means the current Fed rate is much tighter than intended, slowing growth and straining the job market.
According to Miran, the Fed’s benchmark rate should be almost 2 percentage points lower. That translates to eight quarter-point cuts — a scale of easing typically reserved for economic downturns.
The Taylor Rule and Trump’s Policies
Miran also highlighted how the Taylor rule, a key guide for monetary policy that factors in inflation, output, and the neutral rate, is being distorted by Trump-era policies.
He explained that:
- Fiscal expansion boosted short-term growth but lowered the sustainable neutral rate.
- Tighter immigration policies may reduce labor supply, complicating inflation and growth forecasts.
- Taken together, these changes mean the Fed should rethink its calculation of “neutral” and adjust rates accordingly.
What This Means for the US Economy
Miran’s sharp critique places him in the camp of doves favoring aggressive rate cuts, in contrast to Powell’s more measured approach. If the Fed follows Miran’s thinking:
- Borrowing costs for mortgages, business loans, and credit cards could fall faster.
- The labor market may see short-term relief, but inflation risks could reemerge.
- Global investors will be closely watching whether the Fed shifts course to align with Trump’s economic agenda.
FAQs
Q1: Who is Stephen Miran?
Stephen Miran is a new Federal Reserve Governor and a former senior official in President Trump’s Council of Economic Advisers.Q2: Why does Miran think the Fed is behind?
He believes the neutral rate is much lower than current estimates, meaning today’s interest rates are too restrictive for the economy.Q3: How many rate cuts is Miran suggesting?
Miran argues for the equivalent of eight quarter-point cuts (about 2%), far more aggressive than the Fed’s current pace.Q4: What role does Trump’s policy play?
Miran says tax policies and immigration restrictions under Trump are pushing the neutral rate down, intensifying the need for rate cuts.Q5: How could this impact ordinary Americans?
If rates are cut as Miran suggests, loans and mortgages could become cheaper, but there’s also a risk of higher inflation.
Conclusion
Stephen Miran’s first major speech as a Fed Governor makes one thing clear: he believes the central bank is failing to act quickly enough to protect America’s labor market. By calling for up to 2% in rate cuts, Miran is pressuring the Fed to realign its policy with the realities of Trump-era fiscal and immigration strategies.
As the Fed navigates a delicate balance between jobs and inflation, Miran’s remarks set the stage for a heated debate on whether the central bank is already behind the curve.
- Trump: Ellison, Dell & Murdochs Join TikTok Deal
Trump confirms Larry Ellison, Michael Dell, and the Murdochs will join the TikTok takeover group. Here’s what it means for the app’s US future.
Trump Says Larry Ellison, Michael Dell and Murdochs Will Be Involved in TikTok Deal
President Donald Trump announced on Sunday that some of the biggest names in technology and media — Larry Ellison, Michael Dell, and Rupert & Lachlan Murdoch — will be part of the consortium to take over TikTok’s US operations. The group will help manage the app’s algorithm, one of the most sensitive aspects of the acquisition deal.
Tech and Media Titans Join TikTok’s US Consortium
In an interview on Fox News’ Sunday Briefing, Trump said:
“You know, they’re very well-known people. And Larry Ellison is one of them. He’s involved. He’s a great guy. Michael Dell is involved. I hate to tell you this, but a man named Lachlan is involved.”
While the Murdochs may not invest individually, Fox Corp. — led by Lachlan Murdoch — could become part of the investment consortium. This move aligns with Fox’s strategy of expanding into digital platforms as traditional broadcasting faces revenue challenges.
What the Consortium Means for TikTok’s US Future
The TikTok deal requires that at least 80% of the company’s US assets be sold to American investors, following a law passed by Congress in April 2024.
Key details of the investor group include:
- Oracle, led by Larry Ellison, will handle US data hosting and algorithm oversight.
- Michael Dell, CEO of Dell Technologies, joins as a major investor.
- Fox Corp., connected to Rupert and Lachlan Murdoch, could take part as a strategic media player.
- Seven-member TikTok board, with six seats reserved for American representatives.
This restructuring ensures that TikTok remains operational in the US while addressing concerns about data privacy and national security.
Why Fox and Dell’s Involvement Matters
- Fox Corp. could leverage TikTok’s massive user base to expand its digital media influence.
- Michael Dell brings financial power and credibility from the tech sector.
- Oracle, already hosting TikTok’s US data since 2020, strengthens its role as the backbone of the platform’s infrastructure.
Together, these players could turn TikTok’s US operations into a model for American-led governance of foreign apps.
Trump’s Push Toward Finalizing the Deal
Trump said he recently had “a very productive call” with Chinese President Xi Jinping, signaling progress toward completing the deal. White House Press Secretary Karoline Leavitt confirmed that the final board structure and privacy protections are nearly complete, adding that Oracle will lead US data oversight.
This confirms that TikTok’s algorithm, one of the main sticking points in negotiations, will remain under domestic control moving forward.
FAQs
Q1. Who are the key figures joining the TikTok deal?
Larry Ellison, Michael Dell, and Rupert & Lachlan Murdoch are among the prominent names expected to be part of TikTok’s US investor consortium.Q2. Will Fox Corp. directly invest in TikTok?
Yes, Fox Corp. is expected to join the group, though Rupert and Lachlan Murdoch will not be investing as individuals.Q3. Why is Oracle important in the TikTok deal?
Oracle will host TikTok’s US data, oversee the algorithm, and ensure compliance with American privacy and national security regulations.Q4. What law required TikTok to sell part of its US assets?
A bill passed in April 2024 mandated TikTok sell about 80% of its assets to American investors to avoid a nationwide ban.Q5. When will the TikTok deal be finalized?
The deal is still under regulatory review, but Trump confirmed significant progress following talks with Chinese President Xi Jinping.
Conclusion
The inclusion of Larry Ellison, Michael Dell, and the Murdochs in the TikTok deal highlights how influential US investors are reshaping the platform’s future. With Oracle leading data security and Fox Corp. potentially joining as a digital media partner, the deal could mark a turning point for TikTok’s operations in the United States.
As regulatory approvals move forward, TikTok’s fate now rests on a powerful consortium of tech and media leaders, ensuring the app remains both popular and secure for its millions of American users.
👉 Do you think TikTok will thrive under this new US-led ownership group? Share your opinion in the comments!
- TikTok Algorithm to Be Controlled by Oracle in US Deal
TikTok’s US algorithm will be run by Oracle after the sale. Here’s what it means for users, national security, and the future of the app.
tiktok algorithm oracle us deal
The fate of TikTok in the United States has finally reached a turning point. The White House confirmed that Oracle will take control of TikTok’s algorithm for US users once the pending sale is finalized. This development addresses one of the biggest concerns surrounding the platform — the security and integrity of its powerful recommendation engine.
Why the TikTok Algorithm Matters
The TikTok algorithm is the driving force behind the app’s success. It curates personalized video feeds that keep users engaged for hours. But US officials feared that ByteDance, TikTok’s China-based parent company, could manipulate the algorithm on behalf of the Chinese government, raising national security risks.
To resolve this, Oracle will:
- Obtain a copy of the algorithm code from ByteDance.
- Retrain the algorithm on US user data.
- Monitor how content is distributed to American audiences.
This ensures compliance with the TikTok ban-or-sale law, which strictly prohibits any cooperation between ByteDance and US owners regarding the recommendation system.
The Deal Structure and Investors
Under the agreement:
- Oracle and Silver Lake will lead the investment.
- ByteDance will retain less than 20% ownership.
- Other US and global investors, including Fox Corp., may join.
- The company will be run by a majority American board.
President Donald Trump also mentioned potential involvement from tech leaders like Michael Dell and media executives connected to Fox Corp.
Regulatory Hurdles and Timeline
The deal is not fully finalized yet. It still requires:
- Chinese regulatory approval.
- Formal paperwork and executive orders in the US.
White House officials remain confident, with Press Secretary Karoline Leavitt saying the agreement is “100% done” and likely to be signed in the coming days. Trump has already extended the enforcement deadline until December 16, making early 2026 the likely completion date.
Oracle’s Expanding Role in TikTok
This move deepens Oracle’s relationship with TikTok:
- Oracle already stores TikTok’s US user data domestically.
- Now, it will also oversee algorithm operations.
- Oracle’s leadership shakeup, with Safra Catz stepping down as CEO, could pave the way for her to join the new TikTok-US venture.
The transition highlights Oracle’s growing influence in both cloud computing and social media oversight, positioning it as a critical player in the US technology landscape.
What This Means for US TikTok Users
For users, the biggest question is whether they will need to download a separate US version of TikTok. While officials have not confirmed this, it is clear that American users’ data and content recommendations will be handled entirely within the United States moving forward.
FAQs
Q1. Who will control TikTok’s algorithm in the US?
Oracle will control and monitor TikTok’s recommendation algorithm for American users once the deal is finalized.Q2. Will ByteDance still own part of TikTok US?
Yes, ByteDance will retain less than 20% ownership but will not influence the algorithm or data.Q3. Why was TikTok’s algorithm a concern for the US government?
Officials feared ByteDance could manipulate the recommendation engine to influence American public opinion, posing national security risks.Q4. Will TikTok users in the US need a separate app?
It is still unclear whether a separate US app will be required, but the algorithm and user data will be fully managed within the US.Q5. When will the TikTok sale be completed?
The deal is expected to be finalized by early 2026, pending regulatory approvals in both the US and China.
Conclusion
The decision to place TikTok’s algorithm under Oracle’s control marks a pivotal shift in the app’s US operations. It balances national security concerns with TikTok’s massive popularity, ensuring that American users’ data and feeds remain under domestic oversight.
As the deal awaits final approval, all eyes remain on whether US users will see a seamless transition or a new TikTok experience tailored specifically for America.
👉 What do you think about Oracle controlling TikTok’s algorithm? Share your thoughts in the comments!
