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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 read — not completed.

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 the mechanism 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 read, not completed. There's no course to enroll in and no path to finish. Start wherever your question is.

203articles published
2026writing since

Background

  • U.S. NavyInstructor · Master Training Specialist · Steelworker 1st Class
  • Founder & EditorScypion Finance, since 2026

Areas of focus

Personal financeMacroeconomicsMarkets & investingFinancial literacyEconomic policy

Latest from Erajah Scypion

Page 2 of 34 · 203 total
◆Investing Basics
◆ INVESTING BASICS

Should I pay off debt or invest?

The decision comes down to comparing your debt's interest rate to expected investment returns — with two non-negotiable exceptions.

June 7, 2026·3 min read
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◆Debt & Credit
◆ DEBT & CREDIT

APR vs. APY — what's the difference?

APR measures what borrowing costs; APY measures what saving earns. The difference is compounding — here's how to read both.

June 7, 2026·2 min read
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◆ INCOME & INEQUALITY

How Poverty Is Measured — and Why the Method Matters

The U.S. official poverty line was built from a 1963 food-budget formula. Here are the real questions people ask about how poverty is defined, measured, and…

June 7, 2026·9 min read
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◆ INCOME & INEQUALITY

What Drives Income Inequality? The Economics Behind the Gap

The top 1% earned 12.4% of all U.S. wages in 2023, up from 7.3% in 1979. Here are the five forces actually driving the gap — led by the data.

June 6, 2026·9 min read
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◆ INCOME & INEQUALITY

The Gini Coefficient and the Lorenz Curve: Measuring Inequality in a Single Number

The Gini coefficient compresses a whole income distribution into one number between 0 and 1. Here's what it measures, how to compute it, and where it misleads.

June 5, 2026·7 min read
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◆ INCOME & INEQUALITY

How Income Is Distributed in the United States: A Data-Led Look

The top fifth of U.S. households takes about half of all income; the bottom fifth gets roughly 3%. What the Census data shows, and what it leaves out.

June 3, 2026·6 min read
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