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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 4 of 34 · 203 total
◆ GOVERNMENT INTERVENTION

Subsidies Work — Just Not Always the Way Intended

Subsidies reliably increase whatever they pay for. The trouble is the side effects: capitalized benefits, distorted production, and misdirected money.

May 26, 2026·7 min read
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◆ GOVERNMENT INTERVENTION

How Taxes Actually Work on the Economy — From Your Paycheck to the Policy Debate

Taxes don't just move money — they change behavior, split burdens in ways Congress didn't intend, and create efficiency costs that grow faster than the rates.

May 25, 2026·10 min read
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◆ GOVERNMENT INTERVENTION

Price Floors vs. Market Outcomes: Minimum Wage, Surpluses, and Who Gains

A price floor set above equilibrium produces a surplus — unsold goods or unhired workers. The supply-and-demand math behind floors, worked line by line.

May 24, 2026·7 min read
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◆ GOVERNMENT INTERVENTION

What Happens When You Cap Prices Below Equilibrium: Rent Control and Shortages

A price cap below the market-clearing price doesn't make a good cheaper for everyone — it creates a shortage. Rent control is the textbook case.

May 23, 2026·7 min read
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◆ BEHAVIORAL FINANCE

Nudge Theory: Designing Choice Environments to Improve Decisions Without Mandating Them

A nudge changes how choices are presented — not what's allowed — to steer better decisions. Auto-enrollment in 401(k)s is the proof it works.

May 22, 2026·7 min read
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◆ BEHAVIORAL FINANCE

Present Bias: Why You Value Today So Much More Than Tomorrow — and What It Costs You

We discount the future steeply and inconsistently, preferring small rewards now over larger ones later — the root of undersaving, debt, and broken resolutions.

May 20, 2026·7 min read
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