If you had to grade how much better off modern society is with financial products and services today versus what we had twenty or thirty years ago, what grade would you assign? A? A+? Or something even better?

Regardless of what your individual opinion is, it’s an indisputable fact that financial services have become much more democratized and widely available today than they have ever been in the past. Whether you want to invest, save money, track spending, borrow money, whether from an institution or from somebody else just like you, it’s all available right in your palm, with your smartphone.

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