Skip to content
Scypion Finance
  • Articles
  • The Library
  • Glossary
  • Tools
  • Military
  • Videos
/
Scypion Finance

Data over opinion. Evidence over emotion.

YT𝕏∿

About

  • Company
  • Leadership
  • Contact
  • Editorial Standards

Legal

  • Terms of Use
  • Privacy Policy
  • Cookie Policy
  • Disclaimer

Scypion Finance is for educational and informational purposes only and is not financial, investment, tax, or legal advice. Reading this site does not create an advisory relationship. Markets carry risk; consult a licensed professional before acting on anything you read here.

Accessibility
© 2026 Scypion Finance. Founded by Erajah Scypion.Your money, and the forces that move it.
Home›Erajah Scypion
Erajah Scypion, Founder, Scypion Finance

Author

Erajah Scypion

Founder, Scypion Finance

Sourced explanations of money and the economy, written to be understood.

Writing here since 2026
X ↗

I got interested in economics the hard way, by not understanding what was happening around me. I'd read an explanation, nod along, and walk away knowing no more than when I started. After enough of that, I stopped looking for the resource I wanted and started writing it. My background isn't Wall Street. I've spent the last eleven years in the U.S. Navy, and that's where I learned the thing this whole site runs on: Any system — a battalion, a budget, an economy — can be understood if someone walks you through it one step at a time. The Navy also gave me the three words I hold the work to: honor, courage, commitment. Here they mean every claim traces back to a source you can check yourself, the clear explanation gets chosen over the easy one, and the reader comes before anyone paying the bills. Scypion Finance is where that work gets published: sourced explanations of money and the economy, written to be understood. Start wherever your question is.

211articles published
2026writing since

Background

  • U.S. NavyInstructorMaster Training SpecialistSteelworker 1st Class
  • Founder & EditorScypion Finance, since 2026

Areas of focus

Personal financeMacroeconomicsMarkets & investingFinancial literacyEconomic policy

Latest from Erajah Scypion

Page 10 of 36 · 211 total
◆ MARKET FAILURES

The Four Types of Goods: Why Excludability and Rivalry Determine How Markets Work

Two yes-or-no questions sort every good into one of four boxes. The box decides whether a market, a government, or neither can supply it well.

May 6, 2026·7 min read
Read →
◆ INVESTING BASICS

Where Your Bank Deposits Actually Go—And Why It Matters

How CDFIs and credit unions redirect capital to underserved borrowers and communities. Explore the Community Reinvestment Act and deposit safety.

May 5, 2026·10 min read
Read →
◆ MARKET FAILURES

The Coase Theorem: When Private Bargaining Solves What Regulation Can't

Ronald Coase showed that if property rights are clear and bargaining is cheap, private parties can solve externalities themselves — and where that breaks.

May 5, 2026·8 min read
Read →
◆ MARKET FAILURES

Pigovian Taxes and Subsidies: Putting a Price on What the Market Ignores

A Pigovian tax equals the harm a transaction inflicts on third parties. Here is a carbon-tax worked example, line by line, and where the idea gets tricky.

May 4, 2026·7 min read
Read →
◆ INVESTING BASICS

Impact Investing: Mission-Driven Returns, Measuring Social Impact Alongside Financial Returns

Intentionally invest for positive impact: community development, climate solutions, healthcare; measure both financial and social returns.

May 4, 2026·7 min read
Read →
◆ MARKET FAILURES

The Market Provides Too Little of the Best Things: The Economics of Positive Externalities

A positive externality is a benefit your choice gives others for free. Because you can't bill them, the market underproduces it — vaccines, education, research.

May 3, 2026·7 min read
Read →
← Prev
1…91011…36
Next →