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I hate to admit it, but she is right about this. Decoupling from gold and moving to pure fiat currency along with reckless government spending has destroyed our financial future. I do believe there will be a monetary reset within my lifetime.

Yikes. The artificial bubble created by the worldwide lockdowns has so many under water on their cars. How will banks deal with this while juggling their unrealized losses from the bonds they are forced to carry?

@DividendWealth_ And me to the list, The world needs a high quality dividend tracker. Excited to see what you have created.

We're 99% done with our Dividend Tracker! Let me know if you'd like to test it out as soon as its live!

@HeroDividend It looks like you looked into my portfolio!

Who can relate?

@Matt_Pinner The government hard at work to protect you and use your money wisely.

How would you describe this ? Best caption wins! 😂

Comparing mortgages. 15/30/50 year terms. Assumptions 🔸Home price / Loan amount: $600,000 🔸Interest rates: 🔸15-year mortgage: 5.25% 🔸30-year mortgage: 6.00% 🔸50-year mortgage: 6.75% 🔸Loan type: Fixed-rate, fully amortizing, monthly payments 🔸Exclusions: Property taxes, insurance, HOA, PMI, or closing costs (just to compare) Findings 🔸15-year saves $1.1 million in interest vs. 50-year. 🔸50-year reduces monthly payment by $320 vs. 30-year but adds $671k in extra interest.

The U.S. Founding Fathers, scarred by the hyperinflation of Continental currency during the Revolutionary War (which depreciated drastically and led to economic chaos) sought to prevent similar abuses of paper (fiat) money. In the Constitution, Article I, Section 10 explicitly prohibits states from emitting "bills of credit" (paper money) or making anything but gold and silver legal tender for debts, aiming to protect property rights and creditors from devaluation. For the federal government, Article I, Section 8 grants power to "coin money," interpreted by figures like James Madison as limiting issuance to metallic currency, deeming paper money "unjust" and unconstitutional as it could infringe on property. We need out of the fiat game before the scammers are able to extract all value from all of us.

I keep hearing about bubbles and markets dropping, but honest question how does any market drop when we have so much capital in money market accounts waiting to be deployed? Does anyone know how that works? I can't find any historical references to a similar situation.

@TimcastNews I remember the ski patrol movies, and when I was younger having all of the fast food restaurants staffed with teenagers. What happened to our young people getting to have starter jobs?

Democrat Rep. Brittany Pettersen (CO-7) is blaming President Trump’s immigration policies for foreign worker shortages at Colorado ski resorts, saying 60% rely on J-1 visa holders. The J-1 program, used for seasonal foreign workers, has faced new delays and tighter vetting ahead of the winter season.

@idropFbombs Have you ever read the book "Creature From Jekyll Island" ?!

If someone can tell me a conspiracy theory I don't already know, I will follow them instantly

@jimcramer You are using the wrong AI. Chat GPT is garbage, and with that development team it will never get better. Don't bet on the dead horse. I know that's ironic asking you not to bet on the wrong horse lol.

It's so hard to believe how any serious entity really trusts the chat bots yet. For a piece i did for the investing club today i asked ChatGPT for data on single family home pricing for the last 6 years and i got different numbers each time when i questioned it. It relies on so many inaccurate sources.

@jimcramer Of course Jim Cramer believes that MSM is a reliable source. The irony is not lost on us. @CramerTracker ftw. gg.

When i use ChatGPT or the others i can tell quickly that they won't pay up for good sources. We all know this. So what's the point. They need to start paying newspapers and stop using bogus sources we would never use ourselves. We need integrity not volume

@jacksonhinklle There's several situations where centralized control can be useful. That doesn't mean that you'll be comfortable living under those conditions. Also China steals IP that others work hard for and they get the benefit without the cost of pioneering those technologies.

🇨🇳 If Communsim doesn't work, then why is China so advanced?

@AVGirl4Life 47, but no promises that I'm not a bot 🤣

If your not a BOT, reply ‘47’ and I’ll follow you

I did, but it wasn't simple. I'm part of multiple real estate investment groups, and know a lot about mortgages. Also I purchased prior to the rates going over 5% and would be priced out of my current neighborhood with home prices and rates as they are. There are still ways, but if they aren't simple. If you are truly interested you will need to get creative. Look up house hacking, basically buying homes and renting out rooms or buying homes that have a assumable loans. Also buying homes subject to current financing or needing repairs. As someone very active in the real estate field, I would tell you to join real estate meetups near you and get ready. The market will be turning soon and when it does the more you know the more options you will have.

Do you know anyone under the age of 30 who has bought his own house without help from a parent? Is home buying or condo buying just not in the realm of possibility for someone under 30? 35?

@imPenny2x I'm at my core group and real estate meetups, where everyone came together to share what they knew about investing and getting better and stronger in every way. Everyone is celebrating wins, and trying to help those struggling.

Where do wholesome adults hang out? People with integrity and honor. People who keep their promises. People who will tell you the truth, even if it hurts. People who won’t be sneaky behind your back. I need to meet more of these people.

@Budgetdog_ We are all in the same boat, government spending, printing, borrowing, and regulation have ruined college, home ownership, and everything else they've gotten involved in. I am totally willing to lose 90% of my net worth to normalize this market for my children.

Your friends with the "perfect life" are financing it at 24% APR.

Totally agree. I'd rather see 30 year interest only mortgage options which would also reduce my mortgage costs to help first time buyers. For my kids sake if I had the choice I'd be willing to see homes return to affordable ranges at the cost of all of my real estate gains. 50 year mortgages is not the way. Removing government subsidies, government debt spending, and government borrowing is the only way that we see the housing market normalize. This is also true of college and probably everything else the government has gotten involved in.

Is anyone else feeling nervous? When I first read the fourth turning 15 years ago it seemed impossible. 🔸Housing affordability at all time lows, pushing our birth rates to all time lows. 🔸Household debt in all time highs. 🔸Housing, crypto, stocks, all in bubble territory. 🔸Record defaults on loans, especially auto and commercial. 🔸Regional banks weak, and all banks sitting on record unrealized losses. 🔸Unemployment at 4.3% (up 0.6% from lows) 🔸Sahm Rule at 0.13 (nearing 0.50 trigger). Signals labor weakness in 22 states. Predicted every U.S. recession since 1955 (no false positives, 12-18 mo lag). 🔸ISM Index at 48.2 (below 50), indicating factory slowdown. 🔸Conference Board LEI down 15/18 months; GDP growth slowed to +2.8% YoY. 🔸Lower-income spending faltering amid inflation/tariffs; 40% recession odds by year-end 🔸Yield curve uninverted after being inverted for multiple years. 🔸Political instability, while all countries sit on record debt and weak bond markets. Did I miss anything?? Is there any way we are able to stop this train?

American household debt has shattered records, surging to $18.59 trillion in Q3 2025 - up $197 billion from the prior quarter, driven by mortgages, credit cards, and auto loans. Amid this, the Trump administration is pushing 50-year mortgages to ease housing costs for young buyers, potentially slashing monthly payments. But critics warn: longer terms mean mountains of extra interest, slower equity building, and debt lingering into retirement. Is this a lifeline or a debt trap? With households already strained, we need sustainable solutions - not extensions that fuel the cycle. #DebtCrisis #HousingAffordability