56. Should You Take Out Student Loans to Pay for College?

Have you heard about the latest leap in automotive innovation from Toyota? Far from a breakthrough or new offering in the EV world, Toyota is charting an entirely new path. And while I love my Tesla, I’m all about innovation and outside-the-box initiatives. Toyota is flipping the script on emission reduction with the invention of an ammonia-powered engine. Yep. Ammonia. Ammonia (NH₃) is composed of nitrogen and hydrogen, and is commonly used in household cleaners and agricultural fertilizers. A key characteristic in this context is that it does not contain carbon, meaning its combustion does not directly produce carbon dioxide. Note that while ammonia combustion does not produce CO₂, the production of ammonia and its use as a fuel can have other environmental impacts, including the production of nitrogen oxides (NOx), which are potential pollutants. That means that the environmental benefits of ammonia as a fuel would definitely depend on