We are in the midst of a literacy crisis. Last year, the first national assessment of fourth graders’ reading since the pandemic illuminated the devastating impact COVID had on reading skill development, as students faced the largest decline in scores in 30 years.

2022 proved to be a year in the world of venture capital that people will talk about for decades to come. After the record-breaking year of 2021, the challenges of 2022 in the VC world were dramatic, obscuring the fact that the metrics of industry activity overall were strong.

There is a cost to living “paycheck to paycheck.” Each year banks in the US make $15 billion on overdraft and NSF fees, and payday loans can have interest rates that run above 600% APR. This cost has been exacerbated due to the current high inflationary environment, which led to real wages falling in 2022.