David Gardner: Four ways our financial lives are better

There’s been no shortage of financial news this year to provoke anxiety — even among seasoned investors.

Inflation is down from its highs but remains above the Fed’s long-term 2% target. Markets have wobbled on fears that new tariffs could disrupt global trade. Local home inventory has risen significantly from last year, with some Colorado counties at post-pandemic highs. Still, prices remain out of reach for many first-time buyers. Meanwhile, student loan borrowers are watching as some recent reforms are rolled back, with paused repayments giving way to renewed collection efforts.

Yet amidst the gloom, a quiet revolution in personal finance has unfolded. Several key developments over the past decade have made it easier, cheaper, and safer for everyday people to plan and build financial