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Leadership, Health Orv Kimbrough Leadership, Health Orv Kimbrough

The Game Is Rigged—Play Smarter

Who benefits from where you are in life? That’s a question I started asking myself in college—and it changed the way I see the world. Systems aren’t random; they are built around incentives, and those incentives dictate who wins and who stays stuck. The system is set up to pay for sickness, not health, and to reward mainstream financial institutions for serving those who are financially well, while shadow lenders reap exorbitant profits from those who struggle. That’s just the reality. The real question is: What can you do about it? Because if someone else is benefiting from where you are, you should be too. Did you catch that?

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Leadership, Banking Orv Kimbrough Leadership, Banking Orv Kimbrough

So Goes Main Street, So Goes the Bank

I never set out to be a banker, but once I landed in the seat, I had to figure out how bankers think. That meant tuning into CNBC and trying to make sense of all those flashing numbers—Dow futures, bond yields, and implied market openings. At first, it felt like a foreign language. But over time, I started to see the bigger picture.

Rising bond yields, interest rates moving up or down—these aren’t just headlines. They hit Main Street in real ways. If rates go up, banks might see short-term gains, but only if people keep borrowing. And that’s the catch—when borrowing slows because rates are too high, Main Street struggles. And when Main Street struggles, banks feel it too.

The lesson? Banks and Main Street are tied together more than people realize. When one wins, the other usually does too. And when one suffers? The effects ripple through everything.

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