Andrew Lokenauth

The new American Dream is to move out the US. Housing costs are up 40%+ in many cities since 2020 and wages haven't kept pace with any of it. Americans are leaving in record numbers. And the number keeps climbing. And when people leave, they take their tax dollars with them. If this keeps up, our economy will face a huge problem with Social Security and growth.

@MarktInsights Big funds hold massive long positions in Treasuries and short positions in Treasury futures to capture the spread. When yields move fast, the basis blows out, margin calls hit, and funds are forced to dump bonds.

@FluentInFinance Rising yields may trigger stop hunts in related futures contracts, particularly the 10-Year Note.

Something is breaking in the bond market. Most people haven't noticed yet. The interest rate on the US 10-Year Note just jumped above 4.59%. We haven't seen these levels in about a year. Even crazier, the 30-Year Treasury yield hit 5.12%. That's the highest it has been since right before the 2008 Great Financial Crisis. And it's not just the US. In the UK, the 30-year bond yield hit 5.85%. It's the highest level since March 1998. Kevin Warsh is seen as more hawkish than Powell, meaning he's more likely to raise rates or hold them high to fight inflation. The bond market knows this. Bonds are the real engine of the global economy. When they break, everything else follows.

@brionhickey Housing prices haven't dropped enough to offset higher rates. A home at 3% rates vs. 7.5% rates is like buying the same car at double the price. The sticker price looks the same. The real cost is completely different.

@FluentInFinance Yes. Buyer be aware. Great insight.

@ChrisCote24 Some people have no control and would spend it too quickly lol

@FluentInFinance Why would anyone select 4 over 3. 120k at 10k per month vs 100k lump sum at the begging of the year?!?

You can only pick 2: 1. Never pay taxes again 2. No rent or mortgage (ever again) 3. $10k passive income each month 4. $100k deposited to your bank account every January 1st 5. Never pay for a flight or hotel again

@thehierophant96 The real issue isn't politicians. It's the system they live in. Politicians run for office every 2-4 years. Debt compounds for decades. There's zero reward for fixing a problem the next generation will feel.

@FluentInFinance And I don’t think any politician is going to fix it. Each subsequent admin just piles it on even more.

The US deficit just hit $955 Billion in 7 months. That's $3 billion EVERY SINGLE DAY. And the math gets worse. We are on track to hit nearly $2 Trillion in new debt this year alone. Right now, 22% of your taxes go straight to paying interest on government debt. And the Congressional Budget Office projects that in 10 years, 30% of your taxes will go toward paying interest on government debt. That's nearly 1 in 3 dollars. That money does not go to fixing our roads, funding our local schools, or improving healthcare. And it's only getting worse.

@drewski0123 The 10-year projection from the CBO isn't a worst case. It's the BASE case. It assumes no recession, no new wars, no major spending bills lol.

@FluentInFinance What a nightmare

100,000+ tech layoffs in 130 days. Most people think the tech layoff wave is over. It's not. 100,000+ jobs have already been cut in 2026. And we're only 4 months in. This isn't a layoff cycle. It's a STRUCTURAL SHIFT.

@elonmusk The most dangerous ideas aren’t the ones people argue against. They’re the ones no one is allowed to question.

Read this book and give it to all your friends. Survival of civilization depends on it!

Business schools are now cutting MBA programs by as much as 50% due to falling demand. Applications are collapsing and the reasons are impossible to ignore: - AI is wiping out the white-collar jobs MBAs were built to unlock - The job market for new grads is the weakest it's been in years - Average MBA debt sits around $80K-$100K (before interest even kicks in) The ROI is falling. The risk is rising. Business schools are in panic mode right now. For decades, schools sold one idea. Pay $150K now. Earn it back in 3 years. That math doesn't work anymore. The scam is finally collapsing.

PRESIDENT TRUMP JUST REVEALED HIS LATEST STOCK TRADES. He filed new financial reports with the Office of Government Ethics. On May 8th he told the whole country to 'Go buy Dell.' The stock shot up 12% that day. He owned $DELL the whole time. Some of the other buys include: Intel $INTC, Palantir $PLTR, Sandisk $SNDK, and NVIDIA $NVDA. Politicians have made public statements that sent prices up or down. They've sat on committees that set policy for entire industries they invested in. They've voted on legislation that directly moved stocks they held. And none of it is technically illegal.

The US dollar lost 30% of its value over the last 6 years. Think about what that actually means. $100K in 2018 is equivalent to $70K today. When the government prints more money, your dollars lose their value. You pay more for the same things. Groceries. Rent. Gas. Between 2020 and 2023, the U.S. government printed $6+ trillion into the economy. The Fed kept interest rates near zero for years. It felt like free money. But there's no such thing as free money. When you flood the economy with cash, each dollar buys less. More dollars chasing the same goods. Prices rise. Your purchasing power shrinks. It's basic supply and demand. The worst part? Wages don't keep up. Here's what you do long-term: 1. S&P 500 Index Fund in your Roth IRA (~10%/year historically, tax-free) 2. Real estate (beats inflation over time) 3. Hard assets & commodities 4. Invest in your skills and income potential

Realizing that inflation hit its highest reading since 2022 just to keep the Strait of Hormuz open… which was already open before all of this. That the problem never existed to begin with.

JUST IN: US April PPI inflation RISES to 6.0% (above expectations of 4.9%.) Core PPI inflation RISES to 5.2% (above expectations of 4.3%.) PPI inflation is now at its highest levels since 2022. I’m sure everything is fine.

We’re living a black mirror episode

The brutal truth about the economy nobody wants to hear: Reporter: “To what extent are Americans’ financial situation motivating you to make a deal?” President Trump: “Not even a little bit. I don’t think about Americans’ financial situations.”

@EricSpracklen The loudest voices saying "no crash coming" are realtors, mortgage brokers, and banks. They all get paid when you buy.

‼️HOUSING CRASH ALERT‼️ Zillow is now forecasting that 309 of 894 US metro housing markets will decline in price by 2027— THAT’S OVER 1/3 OF THE COUNTRY! Anyone denying that a housing crash is imminent is lying to you and themselves!

@HustleAudit Companies are already splitting into two camps. One camp is using AI to make their people better. The other is using AI to make fewer people necessary.

@FluentInFinance That’s is true. Let’s hope the CEOs and others in charge get that memo rather than throwing people out.

AI won’t replace those who use it. It will replace those who don’t. The ones who win will use tools like this to run 3x the searches in half the time while keeping relationship-building at the center.