Editors’ Note: Hi, Laura and Jonathan here. A few of the pieces this week come from people who spent years up close with how poor households actually handle money, and keep coming back with something more tangled than the story usually told, and more persistent. Tim will be back for the next edition. - Laura Freschi and Jonathan Morduch
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The Dysregulation Edition
Editor’s Note: I hadn’t appreciated the role that normalcy plays in allowing me to be sarcastic and jokey about the various topics I write about, until, well, everything stopped being normal. Please allow me some grace as I try to find a tone that is appropriately direct and honest, and still tries to find some humor in these dark days. - Tim
Read MoreThe Designed for Whom? Edition
Editors’ Note: Hi, it’s Laura and Jonathan again. As a reminder, we’re taking the wheel here every other edition and Tim will be back with you in a couple weeks. One question kept surfacing as we assembled this edition. Emergency savings advice built for stable households, child savings accounts that work best for families who already have 529s, and jobs policy that still imagines a mid-20th century labor market—Who are these systems designed for, really? - Laura Freschi and Jonathan Morduch
Read MoreThe Post-Equilibria Edition
Editors’ Note: This was an unusually difficult to organize and write faiV for two reasons--it feels like everything is some combination of AI and politics, and the new things just kept coming so fast, shifting how I was thinking about and grouping items, which is an item in itself. It’s going to get messy from here. If you’re nostalgic for a simpler world, and you happen to be near Atlanta, Baltimore, Chicago, New York or St. Louis, you should join us for one of our Small Firm Diaries-USA mid-point events in the next few weeks.- Tim
Read MoreThe Please Don't Unsubscribe Edition
Editors’ Note:The reborn faiV newsletter is on an every-two-week schedule. Tim Ogden wrote it for years, and it’s been Tim’s baby. But we’re here to provide another set of voices. Don’t worry, Tim will be back in 2 weeks. About us: Laura is FAI’s Deputy Director and, as she writes below, spent years writing and analyzing foreign aid policy. She now lives with her family in northern Italy. Jonathan teaches at NYU and used to write about finance as it connects to poverty. These days, he’s mainly writing about poverty as it connects to finance. - Laura Freschi and Jonathan Morduch
Read MoreThe Not with a Bang but a Parlay Edition
Editor's Note: It’s a new year and a new faiV. I’ll try not to dwell on what precedes that famous line, nor will I spend a lot of time on explanations or apologies. I will note that the gap between this faiV and the last one is 30% smaller than the previous hiatus. But I figured there was limited time to write a few more faiVs before being replaced by Claude Code. The plan for this part of the cycle is to go to twice monthly, with me (Tim) writing once per month and Jonathan and Laura handling the other one. Also of note, we will be shifting away from Mailchimp imminently so stay tuned for details on shifting your “subscription.”
- Tim Ogden
The Raining, Pouring Edition
Editor's Note: Just as I was returning from an excellent but exhausting weekend running a conference for my older son's ultra-rare genetic syndrome, my younger son broke his leg. Nothing like recovering from exhaustion by spending several nights sleeping in the pull-out chair/bed in a hospital room. And then Debby arrived on the US East Coast bringing 5 to 20 inches of rain, so the raining, pouring joke I'd been making all week seemed predestined.
- Tim Ogden
The Seeing Like a faiV Edition
Editor's Note: Week 2 of the Monday experiment and things keep happening on the weekends, which makes it a bit more complicated. There won't be a faiV next week, as one of my other "side gigs" is running the Bardet Biedl Syndrome Foundation, and we have our first in-person conference since 2018 this coming weekend. I raise this here because there's an item related to that, though it's kind of outside the usual faiV envelope, below.
- Tim Ogden
The Maybe Don't Hate Mondays Edition
Editor's Note: The next in the long series of faiV experiments—we're going to start sending it out on Mondays rather than Fridays for a bit. That gives me more time on Friday to assemble and write without it coming out well past the start of Asia/Europe weekends. We'll see how that goes on my side and on the opening/clicking side for a few weeks and then, who knows?
And just in case you need a reminder of a some good news, the cheaper of the new malaria vaccines is starting to be deployed in Ivory Coast today.
- Tim Ogden
The Never Believe Me Edition
Editor's Note: I last wrote: "For now, the plan is for the next faiV to be on the 22nd, and then on May 10th." You may have noticed it's now May 17th. Sigh.
- Tim Ogden
The Regulation Edition
Editor's Note: This new world of the faiV is going out decidedly more idiosyncratically than the prior incarnation. That's mostly to do with my travel schedule, and trying to find a balance on frequency. For now, the plan is for the next faiV to be on the 22nd, and then on May 10th.
I'll link this again below to make sure that people see it, but in the last edition I inadvertently left out a link to an article about tech-driven efficiency in financial services that was central to one of the items.
I didn't realize that the theme of regulation was running through this faiV from beginning-to-end until I got to the end myself.
- Tim Ogden
The Elusive Quest for Diversity: Measuring Who, What and Where in the faiV
What gets measured gets managed? Not always. We tracked the diversity of the sources featured in our faiV newsletter, and here’s what we found. While we still haven’t made up our minds on what the right targets are or how to get there, we are convinced that more people keeping track of and reporting data on these dimensions is an important part of figuring out how to get it right.
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