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Investing money in a brokerage account is a smart financial move, but many people don’t realize just how powerful investing is as a wealth-building tool. In fact, buying assets that provide you with reasonable returns is one of the keys to achieving financial independence for the vast majority of people. Investing $1,000 a month for two decades is undoubtedly going to help your money to grow, but the specific amount you’ll end up with varies depending on the returns you earn.

Every Batman needs a Robin. To get ahead in an increasingly digital business world, today’s companies must know how to work with artificial intelligence technology. Quite often, digital technology is acknowledged as an important means to an end. In other words, it helps us to address a problem and provide a solution. There’s nothing wrong with this, of course — in fact, we’ve witnessed a great deal of results from the use of everyday digital tools already. Think of automobile sensors that promptly give off a beep whenever cars switch lanes or automated business intelligence that quickly scans Excel and other reports.

Venture capital isn’t the only choice when it comes to financing. When used wisely, debt can be a powerful tool for growth. In his new book, All Money Is Not Created Equal: How Entrepreneurs Can Crack the Code to Getting the Right Funding for Their Startup, (Wiley, July 20, 2023), Runway Growth Capital founder David Spreng provides practical advice and shares examples of how debt can be a powerful tool for growth. The following is an edited excerpt.

With depression affecting around 1 in 10 of us at some point during our lives, the need for new and improved treatments is a top priority for researchers – and it appears that spinal cord stimulation could be one route for experts to investigate. A team led by researchers at the University of Cincinnati College of Medicine devised a pilot clinical trial in which a little black box was placed on the spinal cord of 20 volunteers with depression, with one electrode on the back and one on the right shoulder.

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