Latest on money, markets, and the economy.

iViser Finance Journal

Welcome to my blog!
I am Natalie Goretski, founder of iViser Academy.
Here, I share beginner-friendly guides on market trends, economic concepts, personal finance, and investment strategies, along with my own perspective on the financial topics shaping our lives.

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4 august 2026
Written by Natalie Goretski

Retirement Isn’t an Age Anymore. It’s a Financial Decision.
For much of the twentieth century, retirement was built around the expectation of one long career followed by one final transition out of work. That model is becoming less representative of how...
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28 july 2026
Written by Natalie Goretski

Loyalty doesn’t compound. Salary negotiations do.
For much of the twentieth century, career loyalty wasn’t simply encouraged — it was built into the financial system itself. That landscape has changed considerably...
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21 july 2026
Written by Natalie Goretski

Australia’s Biggest Export Might Be Its Own Young People
Australia exports iron ore, coal, natural gas, and university degrees to the rest of the world. Increasingly, it may also be exporting something it never intended to: its own young people...
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14 july 2026
Written by Natalie Goretski

9.9 Years to Repay a Degree That Might Not Exist By Then
For decades, Australians have been told a university degree is one of the best financial investments they can make. But there’s a question prospective students should now be asking — one that simply didn’t exist for previous generations...
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3 july 2026
Written by Natalie Goretski

The Inflation Rate Isn’t Your Inflation
CPI measures how much it costs to consume things. What it clearly doesn’t measure is how much it costs to acquire things — specifically the assets that actually build wealth over time...
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18 june 2026
Written by Natalie Goretski

You’re Earning More Than Your Parents Did. So Why Does It Feel Like Less
Baby Boomers: needed $99,900/year to feel financially successful. Gen Z: needs $587,800/year. Same question. Six times the answer. Here's what the financial industry doesn't want you to hear...
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11 june 2026
Written by Natalie Goretski

AI Runs on Electricity. Electricity Runs on Your Dollar.
The most ambitious infrastructure build in human history is happening right now. There has never been a technological transformation quite like this one. Here’s where you fit into the picture...
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4 june 2026
Written by Natalie Goretski

The new face of personal finance for younger generations
Younger generations — Gen Z and Millennials — are rewriting the rules of personal finance. 18–34-year-olds aren’t just choosing Afterpay, Humm or Zip, they are ditching credit cards entirely. Here's why....
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9 August 2025
Written by Natalie Goretski

Are we still lost in crypto space?
The dramatic rise of cryptocurrencies over the past few years has caught the financial sector by surprise. The number of cryptocurrency exchanges is now...
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