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Despite having a $165 million net worth, Scarlett Johansson says work-life balance doesn’t exist—and the first step to success is admitting that



“I think actually admitting that there is no work-life balance is the first step to getting there in a way because it’s just not possible,” Johansson—best known for her role as Black Widow in the Marvel franchise—told CBS Sunday Morning.

The actress said there will almost always be a “deficit” somewhere, whether at work or at home—and over time, she’s learned to accept that not everything can be done perfectly.

“I’ve learned to be more kind to myself in that way. You can’t do all of these things all the time,” Johansson said. “There’s just like, ‘Is it good enough?’”

As Scarlett Johansson has taken on more roles in her life, including launching a skincare brand, raising two children (born in 2014 and 2021), and balancing a marriage—she said her definition of success has evolved. As a parent in particular, she said it means doing what’s right, even if it doesn’t always make her the “most popular.”

“Somebody once told me, ‘If you’re successful as a parent like 75% of the time, that’s good—if you’re doing 75% of it like right, then you’re winning, which is probably true,” Johansson said.

Scarlett Johansson grew up on food stamps—and now she’s one of the highest-paid Hollywood stars

Johansson was the fourth-highest paid actor in 2025, behind Adam Sandler, Tom Cruise, and Mark Wahlberg, according to Forbes. Her net worth is about $165 million, estimates Celebrity Net Worth

But growing up in Manhattan in a family of six, she has said money was often tight during her childhood. In a 2017 interview with Entertainment Tonight, she recalled her family relying on welfare and food stamps to get by.

By age nine, Johansson had already begun acting, landing her first role in the 1994 Rob Reiner-directed comedy, North. Her rise to stardom accelerated with films like Lost in Translation, Marriage Story, and a string of Marvel blockbusters culminating in the 2021 standalone film Black Widow.

Beyond acting, Johansson has also occasionally used her platform for public and political advocacy, including longstanding support for feminism and women’s rights, as well as canvassing against the reelection of President Donald Trump.

Her career has even pulled her into the center of debates around artificial intelligence. In 2024, Johansson publicly accused OpenAI and CEO Sam Altman of using a voice for the company’s chatbot that sounded strikingly similar to her own after she declined to participate in the project. 

Many top performers agree: work-life balance isn’t always possible

Johansson isn’t alone in questioning whether true work-life balance exists—even as it’s become a top motivator for job seekers. Many high achievers have echoed the same sentiment: succeeding at the highest level often comes with tradeoffs.

Emma Watson, best known for playing Hermione Granger in the Harry Potter series, said the intense demands of filmmaking made balance feel nearly unattainable as she grew up in the spotlight.

“I just used to completely sacrifice myself for whatever the thing was I was trying to achieve,” Watson said on the On Purpose podcast last year. 

“Making films, the hours on them are so demanding, that to have your own life alongside that, to have that balance is almost impossible.”

That same mentality extends beyond Hollywood. Emma Grede, the CEO of Good American and a founding partner of Skims, argued that extraordinary success inevitably requires extraordinary effort.

“If you are leading an extraordinary life, to think that extraordinary effort wouldn’t be coupled to that somehow is crazy,” Grede said on The Diary of a CEO podcast in 2025.

If it’s possible to have true work-life balance, she continued, “tell me who she is, and I’ll show you a liar.”

Even former President Barack Obama has admitted that having a balanced work and life will not always be possible.

Speaking on The Pivot Podcast last year, he said: “If you want to be excellent at anything—sports, music, business, politics—there’s going to be times of your life when you’re out of balance, where you’re just working and you’re single-minded.”

Are You Meeting the Needs of the People You Lead?


The best leaders are not necessarily more charismatic or authentic. They are more attuned to what employees need, and when.

How to Invest in 2026: Don’t Fight the FED Money Printer!



How to invest NOW! Will the stock market keep going up in 2026? Where will bitcoin go? Will house prices come down soon? Gold and silver keep going up, will they continue to go up in 2026 or should I wait for the dip?
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Are There Charities That Pay Off Student Loans? Here’s What’s Real In 2026


Borrowers searching online for “charities that pay off student loans” mostly find debt-relief operators charging fees, not nonprofits cutting checks. Real options exist, but they’re narrower (and slower) than most borrowers expect.

By The Numbers

The most prominent debt-cancellation nonprofit, the Debt Collective, has used its Rolling Jubilee Fund to abolish more than $32 million in medical, student, payday, and probation debt over its history.

Notable student debt wins from the Debt Collective and Rolling Jubilee:

  • $9.7 million in Morehouse College student account balances purchased for roughly $125,000 in 2023
  • $1.7 million in Bennett College debt cancelled for 462 former students

The Slowdown: Large-scale buy-and-cancel actions on student debt have stalled. The Debt Collective hasn’t announced a major student debt portfolio purchase in the last couple of years, shifting most of its energy into federal student loan forgiveness advocacy, organizing, and debt strikes.

There is no application portal where individual borrowers can request relief. Cancellation campaigns target institutional debt portfolios (usually tied to a specific school or debt type) not borrower-by-borrower aid.

Where To Get Actual Student Loan Relief

Three real channels still move money against borrower balances:

Federal Forgiveness Programs

Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness, Income-Driven Repayment forgiveness, Total and Permanent Disability discharge, and Borrower Defense remain the largest sources of cancelled student debt by dollar volume.

State Loan Repayment Assistance

State LRAPs target healthcare workers, teachers, lawyers in legal aid, and STEM roles in high-need areas. The National Health Service Corps and NURSE Corps are the largest federal-state hybrid programs.

Employer Student Loan Repayment Assistance

Employers can pay up to $5,250 per employee per year toward student loans on a tax-free basis. SECURE 2.0 also lets employers match an employee’s student loan payments with 401(k) contributions — meaning the employee gets retirement savings without diverting cash from their loan payment.

How This Connects

The College Investor maintains a running list of companies offering student loan repayment assistance, which is the most realistic “someone else helps pay my loans” path for the average borrower. Hundreds of employers (from Aetna and Fidelity to Google and Estée Lauder) offer some form of student loan repayment assistance today.

We’ve also covered nonprofit student loan forgiveness, which is forgiveness available through working at a 501(c)(3) — not charities writing off your balance.

If a website promises a charity will pay off your loans for an upfront fee, walk away. The CFPB and FTC have brought repeated enforcement actions against operators using “forgiveness charity” branding to collect fees and stop borrower payments.

The legitimate path remains employer benefits, federal and state programs, and (for a small share of borrowers) institutional debt cancellation campaigns that have largely gone quiet on student debt for now.

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How To Get Help From The Student Loan Ombudsman (And When)

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The post Are There Charities That Pay Off Student Loans? Here’s What’s Real In 2026 appeared first on The College Investor.

[YMMV] PayPal Rewards: Use Pay Later For First Time & Get 15% Back (Up To $30 In Points, Select Merchants)


The Offer

Direct link to offer

  • PayPal Rewards is offering 15% back in rewards when you use Pay later for the first time. Up to 3,000 back. Available on: Nordstrom, Best Buy, Dick’s Sporting Goods, Athleta, Banana Republic, Gap, or Old Navy

Our Verdict

Keep in mind PayPal is removing the redeem for cashback offer. Suspect most readers won’t be eligible due to doing better offers in the past. Best Buy really the only interesting merchant. 

Hat tip to reader smiff

Borrowers shift to variable rates as renewal pressures begin to ease: CMHC




CMHC says borrowers are increasingly turning to variable-rate and shorter-term mortgages as renewal pressures begin to ease and insured lending rebounds.

The Stock Market Sounds an Alarm as Investors Get a Warning From the Federal Reserve. History Says This Will Happen Next.


The S&P 500 (^GSPC 0.16%) fell sharply in March when the Iran conflict pushed oil prices above $100 per barrel for the first time since 2022. The index has already recovered its losses, but the rebound may have been premature.

Geopolitical tensions are still elevated, energy prices are still increasing, and no one knows when the situation will improve. Federal Reserve Chair Jerome Powell said as much during a recent press conference: “The economic outlook remains highly uncertain and the conflict in the Middle East has added to this uncertainty.”

Meanwhile, Fed officials recently warned that inflationary pressure could lead to interest rate hikes, and the S&P 500 just sounded an alarm last witnessed during the dot-com crash. Here’s what investors need to know about the current market environment.

Federal Reserve Chair Jerome Powell addresses reporters at a press conference. Image source: Official Federal Reserve Photo.

The Federal Reserve says inflationary pressure could lead to interest rate hikes

The Federal Reserve’s biannual financial stability report identifies and assesses risks to the U.S. financial system. The latest report was released in May 2026, and it ranked geopolitical tension and elevated oil prices as the most pressing concerns.

“Inflationary pressure from an energy shock could force central banks to tighten monetary policy even if economic growth were to weaken,” warned the Fed Board of Governors. That could be particularly bad in the current environment because stocks already trade at very rich valuations by historical standards.

Under normal circumstances, the Fed would cut rates to stimulate a weak economy. But inflation accelerated substantially in March due to soaring energy prices caused by the Iran conflict, and inflation may continue climbing as the oil shock drives up manufacturing and transportation costs. In that scenario, the Fed may be forced to raise its benchmark rate.

That could sink the stock market in several ways. Higher interest rates would hurt corporate earnings, both directly by increasing interest expense and indirectly by reducing consumer demand. Higher interest rates would also make bonds more attractive, which could cause investors to sell stocks.

Historical context is valuable here. The Federal Reserve’s last rate-hike cycle started on March 17, 2022, and the S&P 500 fell 17% in the next three months. In fact, the Fed has initiated four rate-hike cycles since 1999, and the S&P 500 has always declined over the next three months, with an average drawdown of 7%.

The stock market sounds an alarm last seen during the dot-com crash

The cyclically adjusted price-to-earnings (CAPE) ratio, sometimes called the Shiller PE, is a valuation metric used to evaluate entire stock market indexes. As of early May, the S&P 500 had a CAPE ratio of 39.6. Excluding the last few months, the index has not traded at such a high valuation since the dot-com crash in September 2000.

In fact, the S&P 500’s average CAPE ratio has only exceeded 39 during 27 months since its creation in 1957. In other words, the S&P 500 (a benchmark for the U.S. stock market) has only been this expensive about 3% of the time in the last 70 years, and such rich valuations have historically correlated with dismal future returns.

The chart below shows the S&P 500’s average return over different time periods following a monthly CAPE reading above 39.

Time Period

S&P 500’s Average Return

1 year

(4%)

2 years

(20%)

3 years

(30%)

Data source: Robert Shiller.

Here is what the chart above suggests about the future: If the S&P 500’s returns match the historical average, the index will fall 4% by May 2027. It will drop 20% by May 2028. And it will plummet 30% by May 2029.

Should investors sell their stocks right now? No. Past performance is never a guarantee of future results. The CAPE ratio is based on the S&P 500’s average inflation-adjusted earnings from the past 10 years. And earnings could grow faster in the future as artificial intelligence boosts productivity. In that case, the S&P 500 may keep moving higher while its CAPE ratio falls to something more reasonable.

However, while it doesn’t make sense to exit the stock market simply because the S&P 500’s CAPE ratio is near the upper end of its historical range, it would be equally foolish to dismiss the stock market’s rich valuation. In the current environment, investors should only buy high-conviction stocks they would be comfortable holding through a steep downturn, and only if shares trade at reasonable prices.

I’ll end with advice from Warren Buffett. “Your goal as an investor should simply be to purchase, at a rational price, a part interest in an easily understandable business whose earnings are virtually certain to be materially higher five, 10, and 20 years from now.”

My 2 Non-Negotiable RULES OF FINANCE | Dr. Anil Lamba



In this video, I explain the two non negotiable rules of finance that I have followed throughout my career.

First, every asset must generate a return at least equal to its cost of capital. Second, assets must bring in cash before liabilities demand it.

These two principles apply to individuals, investors, and business owners alike. Ignore them, and financial stress follows. Follow them, and decisions become clear.

#finance #charteredaccountant #financialeducation #business #businessowner #entrepreneur #financeeducation #education

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Capital Efficiency With Derivatives | EI Blog


Futures offer significant advantages in execution speed.

When regime shifts require exposure adjustment, physical holdings impose transaction costs, potential tax triggers, and multi-day settlement periods. Futures adjustment occurs in minutes at near-zero cost.

A $300 million portfolio detecting rising volatility needs to reduce equity exposure from 70% to 55%, eliminating $45 million of exposure.
Traditional rebalancing: sell $45 million in shares. Cost: 0.3% to 0.5% ($135,000 to $225,000). Time: two to three days. Via futures: eliminate $45 million of synthetic exposure. Cost: $1,000 to $2,000. Time: minutes.

Adjusting exposure multiple times annually as regimes shift? The cumulative savings become substantial. More importantly, low adjustment costs remove hesitation. You can respond to changing conditions without worrying that reversal will be prohibitively expensive.

This agility enables capturing opportunities in favorable regimes by increasing exposure when volatility is low and protecting capital in adverse regimes by reducing exposure when volatility spikes, exactly what’s needed to maintain long-term consistency.

Implementation Risks

The same principle applies beyond protection. Capital efficiency through derivatives isn’t without complications. Three risks require management:

Margin Calls During Stress

Futures require margin. When markets move sharply against positions, you need to add margin quickly, sometimes intraday.

March 2020 taught this lesson clearly. Some institutional investors maintained minimal margin buffers. When requirements doubled or tripled overnight, liquidity squeezes forced liquidation at the worst possible moment.

Mitigation: maintain 3x to 4x the margin requirement in liquid reserves. Use Treasuries as collateral; they’re accepted for margin and continue generating yield.

Basis Risk Between Physical and Synthetic

Futures don’t replicate indices perfectly, particularly during extreme volatility. S&P 500 futures tracking error ranges from 2 to 5 basis points in normal markets to 3 to 80 basis points during stress. For a $150 million position, that’s $45,000 to $120,000 in temporary divergence.

Mitigation: limit synthetic exposure to 25% to 35% of equity allocation. Use only highly liquid futures on broad indices rather than sector-specific or small-cap contracts. Monitor basis daily and adjust if divergence becomes significant.

Operational Requirements

Adding a derivatives layer requires infrastructure: real-time exposure tracking, margin management processes, counterparty monitoring, regulatory reporting.

This can seem daunting. But for insttutional investors already operating derivatives for hedging, adding an efficiency layer is incremental rather than transformational. The systems already exist.

New to derivatives? Start with a single liquid instrument: S&P 500 futures representing 15-20% of equity allocation. Build comfort and establish processes over 6 to 12 months, then scale gradually.
The complexity is real but proportionate. 

Compared to 150 to 200 basis points in annual savings and materially improved risk-adjusted returns, the operational investment justifies itself, particularly when viewed as permanent infrastructure rather than temporary overlay.

Decision Framework

Three conditions indicate when this approach is most effective:
Capital in Low-Return Positions.

Maintaining 10% to 15% in defensive positions for operational or strategic reasons? Capital efficiency dramatically reduces opportunity cost. Already 100% invested comfortably? The savings are marginal.

Rebalancing Frequency

Volatility targeting, regime-based adjustments, tactical tilts — each imposes transaction costs. Physical rebalancing costs 20 to 50 basis points per adjustment. Derivatives cost 1 to 3 basis points.

Quarterly rebalancing or less? Savings don’t justify added complexity. Monthly or more frequent adjustments? Annual savings reach 100 to 200 basis points.

Operational Capacity

Already using derivatives for hedging? Adding efficiency layers is natural. Without derivatives experience? Start small with gradual scaling to develop capability without excessive risk.