Caroline Melear

Financial Services Public Policy @RSI | Former Equity Analyst | Columnist @conservateurmag | Contributor @YoungVoicesOrg

[Caroline Melear @CarolineMelear]

“The root of the issue with financial consumer protection rules is that they degrade the responsibility necessary for freedom to flourish. Liberty cannot truly exist without personal responsibility, and consumers give up more of their liberty each time the government places a ‘pro-consumer’ mandate.”

[R Street Institute @RSI]

Liberty Requires Responsibility https://t.co/uANmBEtmxD @CarolineMelear

[Caroline Melear @CarolineMelear]

@Rabadash2 okay lmk your thoughts on getting a tax refund for unrealized losses then

[Caroline Melear @CarolineMelear]

@dumbbitchcap The day I completely gave up and accepted that my daughter was a bad sleeper is the same day she finally learned to sleep. Not really advice but maybe sometimes it just takes time

[Caroline Melear @CarolineMelear]

Reminds me of when I got in a verbal altercation with a family member who insisted 5 on a 1 to 10 scale is “average”

[Caroline Melear @CarolineMelear]

Make sure you check out my recent podcast with @JobCreatorsUSA where we discuss the state of the economy, the regulatory landscape, and impacts on small businesses and consumers! @RSI

[Job Creators Network @JobCreatorsUSA]

How Washington Policies Are Reshaping Small Businesses & Your Wallet

How do decisions made in Washington impact Main Street America? @Elaine_Parker sits down with @CarolineMelear of @RSI to break down the economic forces shaping the future of small businesses. From banking regulations and lending access to inflation, interest rates, tariffs, and global conflicts, they connect policy decisions to everyday economic realities.

They also discuss the lasting effects of Dodd-Frank, uncertainty caused by shifting administrations, rising gas prices, Federal Reserve challenges, and why small businesses often feel the impact of regulations first.

[R Street Institute @RSI]

Illinois’ new interchange fee law may sound narrow, but its practical effects could be anything but. By banning interchange fees on the tax and tip portion of card transactions, the state is creating new complexity for everyday payments that the current system is not built to handle.

🔗 Read the full piece by @CarolineMelear here: https://t.co/1M1k0SrCQT

[Caroline Melear @CarolineMelear]

@nickgraynews My husband calls our kitchen a paper towel graveyard

[Caroline Melear @CarolineMelear]

Remember like 3 weeks ago when Liz said even with a spirit JetBlue merger they’d still have failed?

Curious she doesn’t apply that same logic to PE acquiring mall businesses on the brink of failure.

[Elizabeth Warren @SenWarren]

How private equity gutted local malls: Joann Fabrics, Red Lobster, Claire's, and more.

[Caroline Melear @CarolineMelear]

Just finished recording a great podcast with @JobCreatorsUSA

Can't wait to share it with you all, stay tuned.
https://t.co/p9jPXStniX #RiversideFM

[Caroline Melear @CarolineMelear]

@Gr33nOnions deli counters make this untrue. Also freezers exist

[Caroline Melear @CarolineMelear]

@ByuSome @Skiffer09 That’s weak & dumb. Also there are other financial priorities besides owning a home so it’s even more dumb

[Caroline Melear @CarolineMelear]

I have enough self awareness to know I'm not naturally frugal. A guardrail I had when I was a young(er) professional was a portion of every paycheck automatically went into saving & investment accts. If you want to live well & own things, start by making better choices

[Meg Brock @MegEBrock]

Has everyone forgotten that young people have always been more likely to eat out/spend disposable income?

This just seems like a very normal difference that would occur between a person in their 20’s vs 60’s in any modern generation?

Gen Z is still likely to pay 3x to 5x more for a house.

[Caroline Melear @CarolineMelear]

@JordanBVide0s @LouisvilleGun It not being singularly about sodas is kind of the point. It’s about thought processes and patterns of behavior. It’s no coincidence that the people who own houses are the ones advocating for more frugality

[Caroline Melear @CarolineMelear]

@LibertyJen the thing is, the expensive lunch is just an example. If you're willing to spend nearly $30 on lunch everyday, you're almost certainly engaged in all sorts of other bad financial habits. It's a mindset of thinking you deserve it.

[Caroline Melear @CarolineMelear]

@BowTiedNiners you've got some truth in here but it's overshadowed by claiming we have to work twice as hard. I literally don't know anyone who works twice as hard as their parents. Life is just across the board far easier than it used to be

[Caroline Melear @CarolineMelear]

the mindset that makes you whine about this instead of evaluating its accuracy is going to keep you poor btw

[Mikli @CryptoMikli]

Kevin O’Leary says Gen Z is financially cooked when people making $70K a year are spending $28 on lunch

[Caroline Melear @CarolineMelear]

@sircalebhammer can't figure out how we also have an obesity crisis

[Caroline Melear @CarolineMelear]

if this hurts your feelings it's bc deep down you know he's right

[Jack @Jackkk]

Kevin O’Leary says people in credit card debt shouldn’t be buying coffee

“If you have a credit card balance that goes into the next month and you’re spending $5 on a coffee, you’re crazy”

“I’ll give you permission to buy a coffee for $5 if you have no balance on your credit card at the end of the month”

“The reason I own all the credit card companies is people are paying 23% interest”

“Why would you do that to yourself? I can’t make 23% in the market every year. Why would you let someone do that to you?”

“So no, no coffees for you except the one you make at home for 19 cents unless you pay off your credit card”

[Caroline Melear @CarolineMelear]

So disheartening to know how unfamiliar people are with Teddy Roosevelt

[scholastic book unfair @jennifersrude]

has a single person in the history of humankind ever once associated the love of nature with the right? Is that something that has ever happened literally once at all?

[Caroline Melear @CarolineMelear]

@abysstoabyss Yes you can hire this service in Palm Beach I heard some moms on my son's tball team discussing it. $4k all in lmao