<p>In a societal paradigm where the exigencies of existence have escalated to unprecedented heights, it is a cruel irony that even the inevitability of death has become an unaffordable luxury for many. The poignant phrase "I'm too broke for the grave" serves as a stark reminder of the precarious financial plight that has become the unfortunate reality for numerous individuals.</p><p><br></p><p>We inhabit a world where the relentless pursuit of material wealth and social standing has become an all-consuming imperative. The cultural zeitgeist exhorts us to emulate the affluent, to acquire the latest technological accoutrements, and to indulge in exotic travel experiences. However, when the pecuniary resources are depleted, and the fiscal cupboard is bare, the consequences can be catastrophic.</p><p><br></p><p>The stark reality is that countless individuals are compelled to make impossible choices between procuring life-sustaining medical treatment and providing sustenance for their families. They are forced to resort to crowdfunding to defray the expenses of their own funerals or to rely on the benevolence of charitable organizations to ensure a dignified burial for their loved ones.</p><p><br></p><p>This crisis, though ostensibly invisible, is nonetheless palpable. Our collective preoccupation with the travails of the affluent has diverted our attention from the plight of the impecunious. Our own struggles have rendered us oblivious to the desperation that is etched on the countenances of our neighbors.</p><p><br></p><p>However, this predicament is not solely an individual concern; it is a symptom of a more profound societal malaise. We have created a culture that prioritizes profit over people, where the vulnerable are abandoned to fend for themselves. We must pose the existential question: What kind of world do we wish to inhabit? One where individuals are coerced into choosing between life and debt?</p><p><br></p><p>A paradigmatic shift is imperative. We must reevaluate our notion of success, prioritizing empathy and compassion over material wealth and social standing. We must acknowledge that every individual deserves dignity, irrespective of their financial circumstances.</p><p><br></p><p>And so, let us strive to create a world where death is not a debt collector, but a dignified departure. Where the only thing we leave behind is love, laughter, and a faint scent of freshly baked cookies. For in the end, it's not about the money; it's about the memories, the moments, and the magnificent mess we make of this thing called life.</p><p><br></p><p>Moral Lesson: True wealth is not measured by the wealth we accumulate, but by the love we share, the memories we create, and the positive impact we have on the lives of those around us. Let us prioritize compassion, empathy, and kindness, and strive to create a world where everyone can live with dignity and die with dignity.<br></p>
At the end of the month, we give out prizes in 3 categories: Best Content, Top Engagers and
Most Engaged Content.
Best Content
Top Engagers
Most Engaged Content
Best Content
We give out cash prizes to 7 people with the best insights in the past month. The 7 winners are picked
by an in-house selection process.
The winners are NOT picked from the leaderboards/rankings, we choose winners based on the quality, originality
and insightfulness of their content.
Here are a few other things to know for the Best Content track
1
Quality over Quantity — You stand a higher chance of winning by publishing a few really good insights across the entire month,
rather than a lot of low-quality, spammy posts.
2
Share original, authentic, and engaging content that clearly reflects your voice, thoughts, and opinions.
3
Avoid using AI to generate content—use it instead to correct grammar, improve flow, enhance structure, and boost clarity.
4
Explore audio content—high-quality audio insights can significantly boost your chances of standing out.
5
Use eye-catching cover images—if your content doesn't attract attention, it's less likely to be read or engaged with.
6
Share your content in your social circles to build engagement around it.
Top Engagers
For the Top Engagers Track, we award the top 3 people who engage the most with other user's content via
comments.
The winners are picked using the "Top Monthly Engagers" tab on the rankings page.
Most Engaged Content
The Most Engaged Content recognizes users whose content received the most engagement during the month.
We pick the top 3.
The winners are picked using the "Top Monthly Contributors" tab on the rankings page.
Contributor Rankings
The Rankings/Leaderboard shows the Top 20 contributors and engagers on TwoCents a monthly and all-time basis
— as well as the most active colleges (users attending/that attended those colleges)
The all-time contributors ranking is based on the Contributor Score, which is a measure of all the engagement and exposure a contributor's content receives.
The monthly contributors ranking tracks performance of a user's insights for the current month. The monthly and all-time scores are calcuated DIFFERENTLY.
This page also shows the top engagers on an all-time & monthly basis.
All-time Contributors
All-time Engagers
Top Monthly Contributors
Top Monthly Engagers
Most Active Colleges
Contributor Score
The all-time ranking is based on users' Contributor Score, which is a measure of all
the engagement and exposure a contributor's content receives.
Here is a list of metrics that are used to calcuate your contributor score, arranged from
the metric with the highest weighting, to the one with the lowest weighting.
1
Subscriptions received
2
Tips received
3
Comments (excluding replies)
4
Upvotes
5
Views
6
Number of insights published
Engagement Score
The All-time Engagers ranking is based on a user's Engagement Score — a measure of how much a
user engages with other users' content via comments and upvotes.
Here is a list of metrics that are used to calcuate the Engagement Score, arranged from
the metric with the highest weighting, to the one with the lowest weighting.
1
A user's comments (excluding replies & said user's comments on their own content)
2
A user's upvotes
Monthly Score
The Top Monthly Contributors ranking is a monthly metric indicating how users respond to your posts, not just how many you publish.
We look at three main things:
1
How strong your best post is —
Your highest-scoring post this month carries the most weight. One great post can take you far.
2
How consistent the engagement you receive is —
We also look at the average score of all your posts. If your work keeps getting good reactions, you get a boost.
3
How consistent the engagement you receive is —
Posting more helps — but only a little.
Extra posts give a small bonus that grows slowly, so quality always matters more than quantity.
In simple terms:
A great post beats many ignored posts
Consistently engaging posts beat one lucky hit
Spamming low-engagement posts won't help
Tips, comments, and upvotes from others matter most
This ranking is designed to reward
Thoughtful, high-quality posts
Real engagement from the community
Consistency over time — without punishing you for posting again
The Top Monthly Contributors leaderboard reflects what truly resonates, not just who posts the most.
Top Monthly Engagers
The Top Monthly Engagers ranking tracks the most active engagers on a monthly basis
Here is what we look at
1
A user's monthly comments (excluding replies & said user's comments on their own content)
2
A user's monthly upvotes
Most Active Colleges
The Most Active Colleges ranking is a list of the most active contributors on TwoCents, grouped by the
colleges/universities they attend(ed)
Here is what we look at
1
All insights posted by contributors that attended a particular school (at both undergraduate or postgraduate levels)
2
All comments posted by contributors that attended a particular school (at both undergraduate or postgraduate levels) —
excluding replies
Below is a list of badges on TwoCents and their designations.
Comments