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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.

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© 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
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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 18 of 36 · 211 total
◆ TAX & RETIREMENT

Backdoor Roth Conversions: High-Income Earners' Secret to Tax-Free Growth

The backdoor Roth is a legal IRS-endorsed strategy that lets high earners fund Roth IRAs despite income limits by converting after-tax funds from traditional…

April 8, 2026·9 min read
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◆ COMPETITION & MONOPOLY

Natural Monopoly and Regulation: Should You Let One Firm Win — or Control What It Charges?

Some markets are cheapest served by one firm — water, power lines, pipelines. The hard question isn't whether to allow the monopoly, but how to keep it honest.

April 7, 2026·7 min read
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◆ TAX & RETIREMENT

Tax Planning vs. Tax Preparation: Year-Round Strategy vs. Last-Minute Filing

The difference between proactive tax planning (reducing taxes throughout the year) and reactive tax prep (filing at the last minute)—and why planning saves…

April 7, 2026·7 min read
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◆ BUDGETING & SAVING

What Is Net Worth?

Net worth is total assets minus total liabilities: the single most complete measure of financial health, better than income alone.

April 7, 2026·7 min read
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◆ COMPETITION & MONOPOLY

The Price on the Tag Is Not the Same for Everyone

Student discounts, airline fares, and bulk pricing are the same strategy: charging different buyers different prices for one good. Here is how it works.

April 6, 2026·9 min read
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◆ BUDGETING & SAVING

What Is Liquidity? The Lens That Reveals What Your Money Is Really Worth

Liquidity measures how fast an asset converts to cash without losing value. Learn the spectrum, the core tradeoff, and how to apply it to your finances.

April 6, 2026·8 min read
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