Financial Literacy

Follow a twenty-dollar bill through two neighborhoods. In one, it touches six local hands before leaving - restaurant owner, cook, corner store, barber. Each transaction creates value. In the other, it's spent at a chain and gone in one transaction. Same money, completely different outcomes. On the Southside, our dollars leave in hours while other communities keep theirs circulating for weeks. This isn't about blame. It's about infrastructure. Here's how circulation economics