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Real CPAs, tax attorneys, and financial planners debate the questions that matter most to freelancers and small business owners.

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Credit & Personal Finance

Should Every Small Business Have a Succession Plan From Day One, or Is That Planning for an Ending Most Owners Never Want to Think About?

Should succession planning start on day one, or is it premature for small business owners who aren’t ready to think about an exit? Fran Biderman-Gross, Brett W. Smith, and Jennifer Deleon make the case that planning early protects business value, prevents legal disputes, and builds a lasting legacy.

October 30, 2026 TheFacturation Editorial
Should Every Small Business Have a Succession Plan From Day One, or Is That Planning for an Ending Most Owners Never Want to Think About?

Global Business / Economy

Is Open Finance the Next Open Banking, or Just a Bigger Pile of Data Nobody Knows How to Protect?

Is Open Finance the natural next step after Open Banking, or just a bigger data pile nobody’s ready to protect? Brett King and David Pomerantz champion the personalization and consumer empowerment it could unlock, while Kathy Harris warns that unresolved questions about data ownership could do more harm than good.

October 30, 2026 TheFacturation Editorial
Is Open Finance the Next Open Banking, or Just a Bigger Pile of Data Nobody Knows How to Protect?

Bitcoin / Crypto

Is Bitcoin Mining Becoming a Power-Grid Asset, Not a Threat to It?

Could Bitcoin mining actually help stabilize the power grid rather than strain it? Lyn Alden and Nic Carter argue miners can soak up surplus renewable energy and smooth out volatility, while Peter Van Valkenburgh warns against overselling the benefits without real regulatory guardrails.

October 30, 2026 TheFacturation Editorial
Is Bitcoin Mining Becoming a Power-Grid Asset, Not a Threat to It?

Global Business / Economy

Is Bad Debt Becoming a Generational Inheritance — and Who Benefits From Keeping It That Way?

With 73% of Americans dying in debt, is bad debt becoming a generational inheritance — and who actually benefits from keeping families stuck in that cycle? Robert Kiyosaki, Suze Orman, and Ed Slott examine the financial, emotional, and retirement-planning dimensions of debt passed down between generations.

October 29, 2026 TheFacturation Editorial
Is Bad Debt Becoming a Generational Inheritance — and Who Benefits From Keeping It That Way?

Bitcoin / Crypto

Is Self-Custody the Only Real Way to Own Crypto — or a Standard That Only Works for People Who Never Lose a Password?

Is self-custody the only “real” way to own crypto, or a standard that only works if you never lose a password? Senator Cynthia Lummis champions holding your own keys as financial sovereignty, while Peter McCormack and Andreas M. Antonopoulos warn that the responsibility — and risk of catastrophic loss — isn’t for everyone.

October 29, 2026 TheFacturation Editorial
Is Self-Custody the Only Real Way to Own Crypto — or a Standard That Only Works for People Who Never Lose a Password?

Financial Technology (FinTech)

Are Financial Super Apps Making Switching Banks Easier or Quietly Making It Impossible?

Financial super apps promise to make bank-switching easy — but could they be quietly making it harder? Bill McBride sees them as empowering consumers, Tanya Van Court warns they may lock users into a single ecosystem, and Marlon Wayans argues the real risk is consumers not knowing they have other options at all.

October 29, 2026 TheFacturation Editorial
Are Financial Super Apps Making Switching Banks Easier or Quietly Making It Impossible?
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How TheFacturation Works

Every debate follows the same rigorous format

We don't publish opinion pieces. We take a real financial question, find experts on both sides, and deliver a clear editorial verdict — TheFacturation's Take.

1

The Question

A real financial decision that freelancers and small business owners face, framed as a genuine debate with two defensible positions.

2

The Voices

2–3 named CPAs, tax attorneys, or CFPs present their position with real arguments and data.

3

The Take

TheFacturation synthesizes both sides and delivers a clear editorial conclusion — no fence-sitting.