Lmfao. The linked course costs $152. “Omg everyone is so broke! Here buy our online course!!”

Total scams- essentially commissioned sales jobs that are semi-automated.

​@Johnashward212 it's a never ending cycle

This isn’t a pitch I was expecting to see on a news channel.

Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself.

I'm favoured financially, Thank you Jesus $32,000 weekly profit regardless of how bad it gets on the economy.

How ..? Am a newbie in crypto investment, please can you guide me through on how you made profit?

Thanks to Mrs Maria Davis.

She's a licensed broker here in the states

Yup. I live in NY and finally cleared 100k in 2022 and even made up to $150k but after taxes and all of the increases in living, it doesn’t go as far as I’d hope it would smh

It's because minimum wage has essentially become $20-$25/hour, which is 40k-50k a year. Two fast food workers can now be a 100k/year household.

I wish my first minimum wage back in 2015 paid 25/hr!!!

where do you live? Are u by yourself or have a family?

Hope you enjoyed your free Covid Gov Bucks. Well, it was free then, we're all paying for it now.

stocks are overrated now. buy gold , 5% in crypto . rest in cash. and wait for the stock/property/land. price to crash . but them after it stops dropping for 7 - 12 months at the bottom.

Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again.

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

Sure. She's known as *Jennifer Leigh Hickman* . One of the finest portfolio managers in the field. She's widely recognized; Just explore her social media presence for additional updates and insights.

She goes by *Jennifer Leigh Hickman* I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

And that is why you should have more than 1 source of income. As a 9-5er earning less than a 100k, I made more than twice my income last year from only stocks and freelance developing. I also experiment with a couple of other things. It's way harder to make money plans when it's coming from just a source No Matter How Well It Pays.

They always make it sound so easy lol. tried to buy stocks some weeks back and came out with way less. would have been better off lavishing it on other things and living the American dream lol.

Calm down, you probably rushed into it without asking questions. You must either understand the market well enough or get the services of a fin. adviser who does for your "investment" to count. I have gotten close to a hundred grand within the past few months only after some months of throwing my money in the wind. You should try again, good thing is you now know better. Goodluck!

i've got similar problems and I have also considered using an FA but I don't know how to go about it. please, what are the steps for getting one? like a really good one.

You should start by looking out for those from known firms and good track records. You should also make sure the person is licensed. Personally, I use Kelly Matwick. She's good and you could also look her up.

One way to fix this problem is to limit immigration. Prices will fall and families will be given a break. It's that simple.

​@@violent_bebop9687 Show your work, please.

How come? It's not that easy in the end everything is connected worldwide ​@@violent_bebop9687

@@violent_bebop9687umm no it’s not… go back to the rock you live under

@@violent_bebop9687 idk what they’re doing nowadays but I was told immigrants pay taxes and get absolutely NO benefits. Some get payed under the table and get absolutely NO benefits from the gov. They can’t even open credit cuz they don’t have social security numbers. Maybe in NY and CAL they get some help but most states don’t help them

Well they don't pay taxes they pass it off on the consumer of their product. Trying to over tax the wealthy has backfired tremendously.

What do you think happens when big companies drain the population of their money? Btw, this also applies for countries. That's why the US is so mad at Germany and China for having a trade surplus. Because the money is moving out of country to buy goods, but is not coming back at the same rate.

Why you worried about CEOs? Definitely a remark from a lame @$$ Gen Zer. You're just lazy and worry about your own pockets.

Should company executives' salary be scrutinized by the supreme court or any court before it is approved.

Ceo wages used to be 5x higher than regular employees, nownits 800x

Biden is worst thing that happened to us

TRUMP 2024

Given the prevailing market conditions and the potential risks associated with the current economy, I would recommend refraining from investing in stocks for now. Instead, it would be prudent to consider retaining a portion of your assets in gold. Alternatively, seeking advice from a financial advisor could provide valuable guidance in this matter.

Fantastic! Can you share more details?

was guided tho..Julia Hope Marble. walked me through the ropes majestically i'ts my ultimate pleasure.

One could get a one bedroom in Las Vegas for $499 a month. That’s was the cost of my first place in 2016 and in less than ten years it’s now 1400 a month for a one bedroom in some areas.

An ounce of gold was roughly the same price in 2007 as that bedroom. An ounce of gold is roughly the same price in 2024 as the $2,300 month rent. So where did it go up? It's the same price. Pound of feathers or pound of bricks. How's it more expensive?

@trueelectsupremea.m.mosttr4786 Minimum wage was roughly $9/hour in 2007. Minimum wage is $15/hour now where I'm located. Wages are not keeping up with the cost of living. Rent has more than tripled for a 1 bedroom compared to the doubling of minimum wages up to now from 2007. That's what went wrong. Investments such as gold does move with inflation, but most people without financial literacy knew about that then, when they were to busy enjoying life with the money they earned without investing.

@@tigerlee9613 Why are you working for minimum wage? Advance yourself. Only people with poor lifestyle choices or mental illness work those if not the elderly or youth. You don't make a career out of minimum wage 😂

@trueelectsupremea.m.mosttr4786 😆What the heck are you talking about lol? I'm advocating for the little people who are struggling. I'm already a multi-millionaire who owns multiple properties. Even my personal page shows a video of my 1 bedroom penthouse investment condo I tried to sell online over 10 years ago but couldn't, and held onto it. It's worth over half a million dollars now, and the mortgage is paid off. I'm more concerned about the little people who are disadvantaged physically, mentally or don't have the opportunities I had.

Except housing and rent is at least 3-4x higher. Inflation is a bad metric bc it doesn't take into account the fact that some things are bigger chunks of your budget, and the price of those big things increases way faster than inflation.

This is f-in insane...

@@darkwoodmovies It's still all bad...

@@darkwoodmovies Inflation is sort hand for the entire economy.

I was reading this report that said it was even worse in 2005 5$ is now 9$ so it’s like almost 50 percent deflated. Or in other words what you bought in 2005 for 5$ is now $9 dollars 💵 😢

Yet half of us households have a zero or even a negative federal tax rate. Yes, they may pay state/local. But not federal like their neighbors have to.

Corporations buy politicians that then give them our tax dollars for them to buy your dream out from under you. Or we’re having to compete against Criminal aliens for housing and food.

A man literally set himself in fire today in DC trying to bring awareness of this

@@mrscassandrasolano Sounds like someone who is just mentally ill.

Your government is printing 190 billion each year, increasing the price of everything, this isn’t right neither.

What advice would you give to someone new to investing with around $200k to begin with?

Investors should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.

You don't need to find the next Apple to succeed in investing. Just choose top-notch ETFs and partner with a financial advisor like I did. I turned $20k into $10k in annual dividends-a significant milestone for me today.

I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.

She goes by ‘Jill Marie Carroll’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

If it weren’t for the double taxation laws, lot of people would’ve left America by now , Us citizenship is a trap.

hate to break it to you but most of the world is worse off that the US. Canada and most of Europe have horrible wages in comparison and super high housing costs. Sure healthcare and social services like daycare are less but the US is overall much better off

@@usernoob337 France has a tax treaty with the USA so you don't have to pay double!

@@graces1041 I think most of europe is great, and so are places like japan, singapore, and even china

This just isn't at all accurate lol

It’s probably worth like 150k now

Woodstock now is being crazy to buy and rent is just awful lol

Boomer

​@Karuska22ps Boomer is 2015 is actually, probably the dumbest thing I've ever heard.

@@27TheJoseprobably like 300K now. Woodstock is not cheap like it was a decade abo

😂

ROFLMAO!

😂

That is true

Yup

For the average citizen, the tactics are rather demanding. In actuality, most of them are effectively completed by experts who possess the necessary knowledge and skill set to carry out such occupations.

The uncertainties accompanying this present market is more reasons I have my daily investment decisions guided by a portfolio-coach seeing that their entire skillset is built around going long and short at the same time, both employing profit-oriented strategy and laying off risk as a hedge against the inevitable downtrends, coupled with the exclusive analysis, it's quite impossible not to outperform. Netted over $550k in return on investment, since using a coach for about 2years.

It comes down to technique; a downtrend gives you room to focus on the market and grow significantly in the short or long term. While it is easier to make money when the market is rising, a downtrend can still yield high returns if you have the necessary knowledge and skills. For this reason, I have been scaling up during this difficult period by working with an investment advisor; this has been the only way I have raised up to $150K in the last six months.

I've wanted to start investing for a few months, but just haven't had the courage to start because the market has been down for most of last year. Please how can I reach out to your financial advisor and what are their services like?

One of the fiduciaries I deal with is Jennifer Lea Jenson. Just check the name. There would be a letter with the necessary information to set up an appointment.

Join the AirForce 😊

@@ShutterSpeedGamingbut I have to shave my beard and look like a worm :(

@@ShutterSpeedGaming thinking about dropping out of my ivy league business school to become a pilot for the air force

That’s the trick to figure out I’m pretty poor only make $40k but I live comfortably & have a savings. But I live in low income housing which helps a lot. If I had to move I wouldn’t even be able to afford a one bedroom apartment in my area.

@@gregallen1381 you’d make a great pilot 👨‍✈️

We're being hosed. It's outrageous how much things have spiked, and it's entirely the fault of the people at the very, very top. This is all greed for lavish, wasteful lifestyles of the already hyper wealthy elite.

all according to plan...

Then you are still doing well; better than most of us

You can thank the Biden inflation tax.

Skill issue, you clearly not doing something right.

You seem to have a great outlook on things. I’m trying my best to spend less on things that I really do not need. I recently picked up a library card in an effort to stop buying books that are just going to take up space around my house. If there is something that I really want, I am holding myself to selling off things I already have in order to buy the thing that I want. It makes you really consider the things you want vs. the things that you need.

The consumerism is the killer. I live frugal and use my library. Drive an 14 yo car, keep my cell til it dies and use Ting mobile. I buy exclusively at thrift shops. Maybe get a pizza and eat out at a diner 1x month? Always leaving the house w a water bottle, coffee and a snack is important. Consolidate errands, shop at aldis. Make plant cuttings and get dollar store pots and give them as gifts. It is very against mainstream but i do what i have to do to live below my means. Healthcare is our biggest expense with dental and specialist fees.

People spend too much money. That's a huge part of the problem. Get a solid, older home that's cosmetically outdated. By a used vehicle. Stop eating out and don't buy the latest iPhone. Stop thinking about vacations and save for retirement instead. Priorities, for real. My 20 year old brother and 19 year old sister in law are able to make it without college degrees. Pretty sure most can, even if you have to move. We do live in Pittsburgh though where the cost of living is lower than most, but our wages aren't as high. My husband doesn't have a college degree and makes more than I could WITH my bachelor's degree. So there's that...

The American dream was to own a house and car. That was it. That's simple enough.

@@rh10033 Amen Amen Amen !!!! 👌🏻

I always wanted to trade crypto for a long time but the volatility in the price has been very confusing to me although I have watched many UKposts videos about it but still find it difficult to understand.

It makes sense that BTC and crypto are of helping to regulate, rather than pretend it won't ever happen. The big institutions getting In is the catalyst that will laugh us made they grow used to it becomes a nonissue usually because of their fears never materialize. And benefits they were unaware of before turn out to be more beneficial

Trading is easy, but trading the right coin without a time-tested strategy is incredibly hard.

My advice, never do shorts or longs on stocks or #crypto most people went bankrupt better buying in parts monthly

I've been in touch with a financial advisor ever since I got into the market. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending Crypto, which is pretty simple. On my portfolio, which has grown over overboard and been making about $1 500 bi-weekly, What I'm trying to say is the 5% of traders in the world that are consistently profitable are very reserved, they are just random/lowkey people no one even expects. My account manager chooses entry and exit orders

And "weak and dependent" is cheap..

Heh..."supporting relationship" Who's willing to be with a struggling partner in the first place?

Wow, not getting a new car and phone--great advice! Now what can you tell me for student loans, despite an academic scholarship (tution doubled in 4yrs) for an ME in mechanical at a public university, only to meet 60 hrs/wk for a $70k salary. Let me guess, less avocado toast right?

@@jaughnekowdon’t stop believing. My wife met me when I had no job and was living with my parents. Now I’m the breadwinner. Couldn’t have done it without her

I speak from experience: this is wrong. Being single is waaay cheaper then having lots of friends or being in an happy relationship

Move away from California. I live in North Dakota and make $125000 after taxes my take home is $90000. Rent, food, and mostly everything is cheaper. I bought a new 2023 SUV and paid $39000 cash and have $150000 in my bank account. I can take a vacation anytime to California and any expensive state and spoil myself and my family easily.

@@Brayant25 thats an extreme change in climate - how have you handled that? I mean going from Cali weather to SD weather sub zero is pretty extreme. Has that been hard to deal with?

@@Brayant25 That's easier said than done. Most of us have established lives here which is the main reason why we don't want to leave. It's not that easy to just pack your things and go when I have an established career and a social life group here. If I didn't have anything to lose or want to restart, then yes.

@@LChiuy As a Brit, I find the salaries in the US insane. $100,000 in 95% of the world would mean you are in the 1% of earners. The fact people earning those numbers are struggling to afford homes is sad and illustrates how broken the system is.

@mr.kilpatrick2991 The funny thing is I'm an immigrant from Nigeria who moved to the USA in 2010 and now a citizen. I landed and lived in Atlanta until 2015 when I packed up my life and moved to North Dakota without knowing anyone and no family here. I started afresh.

We all start from somewhere at the bottom. The only ones who dont sacrifice their blood, sweat, and tears are those who already have money.

yup, its such a dumb reasoning. LiVe BeLoW YoUr MeAns, I already am, and I still cant save.

I'm in my 30s. As a teenager in the midwest, I distinctly remember walking to Wendy's with just a five dollar bill and leaving with the Wendy's Single meal. Not just the burger and fries, the _meal_ with the drink included

Hopefully the price shouldnt hold... Or maybe people dont eat fast food anymore... with so many tools and cooking video ... time for healthy meals?😊

Trump 2024!

Don’t eat McDonald’s.

Learn what happens when the government prints money at a faster rate than the productive output of the economy. In short, it's effectively a backdoor tax on everyone via devaluation of the currency.

buy less, save money. Here it is.

@@redwhite_040 so simple, yet so difficult

My sister now lives in the US and yeah, people buy A LOT of things and pay higher prices when there are cheaper models that do the same thing

A bare bones budget would do wonders for so many, but most prefer to live in denial and comfort.

Consumerism. Buy buy buy!!! 💳 Propaganda everywhere, commercials, ahhh!!! 😅

Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.

I’m closing in on retirement, too, and I have benefitted so much from using a financial advisor. I didn’t start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in more profit than some of my peers who had been investing for many years.

I really need help, please. Can I ask who the financial advisor you work with is?

Thanks a lot for this. I'lll check her out right away.

have you considered living outside the US? There are plenty of countries where you money will go further :)

You can't compare São Paulo with the rest of the country. Even going to another capital like Recife or Belo Horizonte is much more affordable than São Paulo.

I would still choose to live in underdeveloped USA over Brazil though.

Same for Europe. They doubled the supply of euros/dollars in circulation during the fake pandemic. All fiat currencies hyperinflate to zero eventually. Buy bitcoin.

No people here have mentalities that they deserve everything but require no working. They want to have a lifestyle of 9-5 and push papers. Nobody wants to do service work or labor. Lineman here make over 100k just gotta work up to it. Start at 18-20. Be there by 27-30. No student loan debt. People here believe that work is “below” them. Viola here we are.

@@bayupran Still.

Folks would love to, but when you're having to buy your groceries on credit so as not to starve, it gets a bit tough.

@@erichsbloodaxethere’s other options before resulting to credit. That’s the problem with this country. People use credit/debt as the FIRST & ONLY option.

Even better, just live off of bread and water.

​@@ajh.4131i love how peeps like ya say these things but never give actual solutions.

Lemme just double my income real quick brb

What is your wife making ? she can't be sitting around the house and just spreading her legs. She must also work.

Your wife need to work. Double income is so much better.

@@write2nick unfortunately, having two spouses working isn’t feasible for everyone. Easy to say, difficult to implement in the various realities we all exist in.

@@RedTideRTS it's your terrible family planning and financial mismanagement that brought you here. why have FOUR CHILDREN and a stay at home wife who generates 0 dollar per month if you can't afford to provide for them? if you had 1 or 2 kids and and a working wife who makes atleast 40k per annum then your life would have been much better. next time make your decisions wisely

4 kids!? That will cost you....

Save more money and develop an emergency fund next time. You're leveraging 3-4 months of debt to pay for a necessary expense, you aren't *supposed* to succeed living like this. Change your habits, stop choosing to leverage debt for your living expenses.

In 1980, my first job out of college was $100K, overseas petroleum engineer, $250K in the late 90's The education was free, paid by an alumnus. In 2000, I took a government job, $60K 20 years gets you a 40% pension and free lifetime family healthcare.

Stop blaming “boomers” it’s not the problem at all. You are caring way too much what other people think.

@@MannysVisionStudio I'm a Boomer. 2MM homes went to the "second" home market, 2% interest rates helped. When the Boomers start to die off, the largest transfer of wealth in US history, Real Estate!

I'm a boomer, I don't think millennials are wasting their money any more than we did, and maybe less. And I don't think avocado toast has anything to do with anything. I do think that _some_ millennials have unrealistic expectations (not at all saying you do). But I also know it's harder than it was 20 years ago and it's not getting easier. I can't speak to how you're spending your money, and it's not my business anyway. But from what you've said you're doing a better job than I was at your age. An adjusted for inflation $1700 car repair bill would have been $1000 for us, and we had that bill and it hit us hard too, it probably sat on the card for at least 3-4 months. But the thing is with time we could get ahead. A bit of money went into the 401k, a tiny bit went into savings for emergencies - it may get wiped out but that meant we still owed a bit less and could recover a bit sooner. And did we economize, we didn't spend a dime for dishes, furniture, etc. The 2nd chance store was too expensive. We scrounged from relatives, I wasn't above some dumpster diving or boulevard shopping come cleanup week. And in time we got ahead (we still shop at 2nd chance stores though). I'm not sure the younger generations can get ahead though.

Lmao no. I’ve sold multiple homes to families who make less than 100k a year in nyc and they are all living comfortably and happy for several years now.

@@sebastianbroncano7405 How many years? Because I looked at Zillow, and the only way you'll ever pay under like $4k a month is if you live in the slums 10 miles from a subway station. And literally not a single property in Manhattan for under $6k a month when you add up maintenance, taxes, and mortgage. Maybe there's some "affordable" housing units, but you have to be in an incredibly specific tax bracket for that. I guess co-ops? But those are still insane too, considering you technically still don't own it so it's barely a step above renting.

@@sebastianbroncano7405 They are probably in debt, but overall I'm on your side. 100k is more than enough to live anywhere except NYC

In California you need at least $300,000 to live the American Dream. To be comfortable maybe even $400,000. This means owning a nice home, nice cars, vacations, paying for college, saving for retirement and having an emergency fund.

The only way to be comfortable in New York City is to leave unless you’re a millionaire that’s the only way you’re affording to live there.

$80 is a lot for an oil change. What do you drive?

Truly is sad that eating healthy has to be a splurge. American greed at its finest

@@ZovaBe this is one of the biggest misconceptions of all time. The notion that fast food is somehow cheaper is comeplete bs. Doing meal prep with grocery store prices is much much lower cost than eating junk food out every day.

If you are a senior accountant living paycheck to paycheck your finances are clearly not in order. You are simply spending too much money and this is no ones problem but YOUR OWN. cut up your credit cards and stop paying 15% on your car loan and see how far that gets you...

​@@austinsmith2235You don't know what this person's income or expenses are, much less whether they even own a car. They could be taking the bus to work. Stop harassing people because it makes you feel better about your sad little life.

@@usflin just tell me your broke.

Where do you live? Do you have college debt? Kids? A mortgage?

yes its everywhere, it's not just about earning a high salary anymore. The pressures of today leads to more spending, more debt, and less financial security

Youre right, its shifted from just high salaries to smart financial management. focusing on what we control and seizing market opportunities, even in downturns can lead to substantial returns. Despite inflation challenges Ive seen returns of $800,000

luck

I'll give the credit to research, not luck. it led me to Emily ava milligan, one of the best fund managers. 300 grand to this, definitely not.

Socialism and the policy of destroying society with LYRI%6I++ perversions and drug addiction led to this.

Its called a dream because you have to be asleep to see it

Amén

Why not hack Putin and steal his money

The main reason why I’m taking a day off tmrw. I’m exhausted. And need rest that 2days is not giving. Been a while since I’ve had a vacation.

Bidenomics baby!

You are making 137k?

Try investing in stock or something

🤡…

blame the federal reserve for all the money printing and inflation

The government has let us down; just buy gold or bitcoin with it. Or hire/ work with a good market strategist. Theres still time for you

Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $780k. My personal best so far

Agreed! A lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m

@josephbush Please who guides you on the process of it all?

Thank you for sharing. it was easy to find her and schedule a phone call with her. She seems proficient considering her résumé.

Because they are funded by such companies

Trillions being printed each year. A lot of it going to foreign nations like Ukraine and Israel

You can thank the Federal Reserve and out-of-control government spending for devaluing our currency.

@@lycanwarrior2137 and the out of control spending is coupled with insane taxes.

Devaluing the dollar by over-printing… Over $30 trillion in national debt… falsely inflated housing markets… this isn’t about greedy companies raising prices out of the blue. It starts with the government. Inflation is how they tax you without openly raising your taxes.

And 100k is 50k now days if that

@@luvfoto well that's just math

Agreed 200k is the new middle class

​@@stayingsaneamidtheinsanity2499 There is NO middle class...

It's called poverty in silicon valley.

At least you should quote the guy who said it. "George Carlin" .. Otherwise, someone may think you are smart enough

The American dream is still alive and well. People just don’t know how to achieve it.

​@@nikolajovicic174 of course this comment would have popped up

I was looking for the quote by George Carlin. It didn’t take long to find it.

@@sebastianbroncano7405wrong

This would help so many people build wealth. I'm with you on this.

This yes.. my taxes are nearly half my mortgage payment.. so if taxes keep raising. In 20 something years my payment after my house is "paid off" would be about the same. WTF is this?!? Then you wanna tell me what I can and can't do on my property? Now I understand why older people are so da*n hostile. TF you gonna tell me how many weapons I can have, what I can grow, where I can dig in my own house!! Less control. #vote republican

I been debt free since the age of 36. I'm now 60 and still debt free. It sure is a blessing for sure.

Life is easy when you live in a commune and have no partner, kids or pets :p

Same

There are tones of people that are debt free and have terrible lives. It’s not about being debt free thats the biggest issue here, it’s about price gouging and inflation that’s making everything worst. Most of the people in my family are debt free and a lot of them are the ones that are struggling in life whereas the ones that have a little bit of debt are actually much better off and tend to get asked for help a lot. It’s all in how you manage your money, but none of that matters, if all of the damn prices keep going up and wages are not.

Debt free at 30 and not planning to sign up for other debt that is not a mortgage. I’m so thankful 😌

Attending college is a huge mistake for most career paths... the only categories where college should be taken is for medicine and those going into legal laws. I might have missed a few others, but almost all careers can be done without a college degree. I work as a senior software engineer within a Fortune 100 company. In the world today, the only people who care about college degrees are others who were tricked into having a college degree.

That jump from the 12% tax bracket to the 22% bracket is very p@infu|. When you factor in state taxes, Medicare and Social Security, healthcare, etc... I end up w/ less than 60% of my gr0ss income. Every $1000 of raise really doesn't go that far since so much of it is taxed away. I never understood why they measured affordability based on gr0ss income and not net income. Basically, if you're poor or extremely rich (15% flat capital gains tax rate; all sorts of loopholes to use) you pay little in taxes. If you're middle class or especially "upper middle class", you get absolutely b0died by taxes. I've found it's far more valuable to reduce spending than try to earn more income. Every dollar not spent is like another $1.50 earned. I'm trying to learn to do car repairs and other stuff myself, anything to save money. It's funny, the premise of capitalism is you pay other people to do tasks for you so you have more time to focus on maximizing your own economic output, but our system is so br0ken that now it's genuinely more worthwhile to do things yourself rather than get a "side hus+|e" or whatever.

@@streamofthesky Statistics show the billionaires keep becoming more wealthy yet the government keeps focusing on forcing working people to pay more taxes. It's the equivalent of a school bully beating up students for their lunch money when there's an open bank vault with bags of cash behind the bully.

Rent is waste of money it's like throwing money into a garbage can. get cheap land or property and move the hell away

@@streamofthesky You're got it right. The old saying "it's not what you make, it's what you keep" is still true. If a person avoids debt, understands the difference between wants and needs, prioritizes putting money into investments over (most) wants (you've got to have _some_ fun), and spends money prudently (gets good value for money spent). They'll be ahead of the game.

Everyone needs more than their salary to be financial stable. The best thing to do with your money is to invest it rightly, because money left for saving always end up used with no returns.

Who is your financial coach, do you mind hooking me?

Am looking for something to venture into on a short term basis, I really need to create an alternate source of income, what do you think I should be buying?

Cryptocurrency investment, but you will need a professional guide on that.

Facebook 👇

Im 50. I have half a million in savings, I will retire soon with a nice pension, and I've never owned a home in my life. STOP WHINNING!!!!

⁠@@vicepresidentmikepence889pensions no longer exist…

@@vicepresidentmikepence889so you’re retiring into welfare?

​@@vicepresidentmikepence889 Why do trolls always think they're important??

​@@vicepresidentmikepence889 I mean having $500k in savings by 50 is not really rare, but the problem is that these days, $500k is nothing. Even a million, still won't buy you a house in most places, still won't own anything, and all of our savings will just be drained down to the last penny funneled into the pockets of landlord and big corporations until we die and there's nothing left.

Lifestyle Work Vendors For Conventions Live In Vehicles Traveling

which is good for everybody doing better than minimum wage. because otherwise everything would be even more unaffordable. if you double the minimum wage, there is nobody left to afford the Wendy's burger.

@@LuisGarcia1992_ how much longer do you think it can go where the price of everything goes up but wages remain stagnant

If you are making minimum wage as an adult, you have no one to blame but yourself.

My minimum wage is $25/hr. Find something few people want to do.

@@LuisGarcia1992_in 2009, my little brother was working at a shoe store for over a year. Management thought he was great, but told them that they couldn’t afford to give him a raise. I told my brother not to worry. Wait a couple of months and he would get that raise. I then told him the bad news. He would be getting a raise, but at the same time would now be making minimum wage. That shoe store, BTW, is still in business, so no, it’s not that they couldn’t afford it. Someone at corporate was probably scared of the 2008 recession, and wanted to make sure they’d still make their several hundred thousand dollar a year salary. And nobody affording Wendy’s is asinine. What the fast food industry has is an over saturated market. One town does not need more than one Wendy’s, more than one Sonic, more than one Subway. Sure, if you have the performance numbers like Chik-Fil-A where you’re slammed from open to close, then yes, allow another franchise to open. But if you can barely staff a single Subway, to the point where you have to call in help from other locations, and that one employee starts having a mental breakdown because she’s all by herself and school let out early, and she wasn’t trained to turn mobile orders off, and so on… …no. They don’t deserve to be in business. We can drive an extra mile or two if it means a well staffed location. People shouldn’t be benefiting from getting someone else to do the work of two or three. They’re short staffed, the owner needs to put on an apron and get to work. And you can’t depend on teenagers who go to school during the day. You have to hire people to work the day shift, and if that requires a higher pay rate, then so be it. If you have to raise prices to the point where no one wants to buy from you, guess what? You’re out of business. But you know what? There are thousands upon thousands of people on the border who’d love a work visa, and would think $7.25/hr would be amazing! People keep forgetting that’s an option. They would rather they go back to their unsafe homes, when in reality we need them.

Tell me about it... The bar keeps getting set higher. Because the "investors" are hoping that some rich guy will pay for it. While there's nothing set aside for Working Class people.

I think it’s more. Everyone one I know make more than that; a sheriff, a nurse, manager at a dealership for their online department, a doctor, an interior designer in sales for a leather company, a traveling nurse.

Lies! Over 30% do

That few!? That seems pretty abysmal if so. I would have guessed 25% or a little more !!

Exactly. And those guys already have housing.

Feudalism here we come

@@Yantrus Fuedalism has been here for some time already.

It's always been getting worse

Wow this is such a lie. I literally sold a home to a family of 3 a month ago making 50k a year with a 10% down payment in NYC

Lies again? I believe not in things that we can afford but rather how long we can keep them

Trying find a job got me depressed keep getting ghosted

L2 invest to hedge vs inflation nooblets

at least 95% of Americans are with you lol... too bad even 99.9% of ppl can't believe they can change the unwanted future the 0.1% is forcing the human population to head to.... doomed to repeat the bloody past bc humans are easily manipulated to believe the worst ppl in position of power.

thats the point of media like this.

Not like you'll do anything about it, but visit some stranger with an MD to give you pills from big pharma.

Never Say NEVER 😎 Justin Bieber

LOVE him RiP

Yall copycats really need to find new shyt to post

@@Booz2010 fyi he's Canadian

Carlin like Maher was a tool of the regime, its why he was always platformed.

America is a colony again. People just won't admit it. With all the signs there they still won't admit the American dream has been dead since 2006

Congratulations on your escape. We're planning ours right now.

Our government needs to physically force corporations to start lower prices or the entire economy of this nation will go up in flames😔

What country 😅?? I speak Spanish and would love to move to Spain or a Latin country ... got any suggestions??

@@ProtoAlpha Its government involvement that has caused this crisis in the first place. Prior to offering government backed student loans colleges had to price tuition at a rate most people could afford. When universities realized people could buy now and pay later on a government guaranteed loan that people couldn't file bankruptcy on, the prices began to soar. The same thing holds true for housing and healthcare. Too much government interference!

That story is telling about the greed in this country. There’s no way a house for 18,000 should go to $800,000. You could build that house for about 150,000$. That’s the problem with CA. None of the property is worth that.

The birth lottery has always mattered since the earliest civilizations. This means if parents are not providing a stable source of income which can be inherited then those parents were not caring enough about their children OR the parents were tricked obbed from clever thieves. Across history few parents have been tricked obbed from clever thieves. When children inherit a stable source of income then this should only increase in strength and stability for future offspring otherwise those children made mistakes.

I think the only way to save and live in LA on Minimum wage is by living out of a van. Otherwise, you donate whatever life savings you have to your landlord's retirement fund.

We left California in 2010. The glass ceiling is very real for women and latinX

And if only they taught us financial literacy instead of the mitochondria being the powerhouse of the cell

Sorry to hear that :((

just you and your wife? lol. i Could super easily support a family of 6 on that much. more than I make now by 20 k and I already have enough. your spend to much on BS. gotta have more than your neighbors eh?

Go full Dave Ramsey. Yeah, you'll give up everything nice you have, but at least you can survive and learn how little you actually need.

Why would you buy a home in an HOA?

Man you're in your 30s and wife can't work no more and y'all want kids. Sounds like you're literally spending all your money too, that sucks you're still young. But I think I know exactly what your problems are lol I'll pray for you

that's literally their job

Capitalism at its finest.

​@krane15 there's always the capitalism guy lol

​@@jsebby2284 He says capitalism but what he's really saying is: "The 1% is absorbing everything and they use capitalism to do it. Capitalism isn't the problem it's the 1%."

@@Pathological_Skyrim_Modder the news who’s owned by the same oligarchs who control the system?

literally me

That’s the plan they want for you. You will own nothing and be happy……

Right, it's ridiculous, and what do they spend the tax money on? Letting people not work and giving them free food

According to my conservative friend, the market will adjust these people out. I mean what, the only way anyone was able to afford to own a home back in the 1950s-1970s was through government-backed mortgages.

What do you recommend... voting lol... you mean you still believe that the career politicians who embrace lobbying will do anything for the majority while the few who have hoarded the wealth can pay them off... vote til you realize how broken your system is and how nothing will change until the collapse bc it is the best system to keep modern slavery.

See thats the half-truth that political figures tell you to cover up the real main reason housing prices have up so fast, because it is actually the government's fault. Over-regulation of the housing market has made building way more expensive than it should be, and strict zoning regulations that haven't been changed in decades make it impossibe to build affordable housing like apartments, multiplexes, and starter homes.

Is that in the sewer called California?

​@@Philippinesbound42It's either California or Hawaii, guaranteed. Nowhere else has seen that kind of increase.

Did you buy it? Hold for 30 years and you will get $20M for it. Should have bought it...

@@alexlee8617 I owned mine, well with 13 years of mortgage left anyway but I don't mind if it goes up the rate it was. Can't wait to sell it and retire elsewhere.

True, but that's not the major cause. Please rewatch the video. And watch your company's CEO and shareholders' profits.

100k usd in japan is well within the top 10% in Japan for household income. Likely around top 7% at current exchange rates

@@otk88403 my salary is not $100k USD alas. If it was and you were converting it at today’s exchange rate well that would be quite a good living here in Japan. Not really sure what the point of converting would be anyway. It’s not like I’m seeing US dollars come my way. I get paid in Yen.

.9 percent for house mortgage. Damn that's good. In us it's like 7 times higher.

@@outwestexplorer1966 it IS very good. Of course in Japan you almost never make a profit on a home. They almost always depreciate greatly. Mine was 6 years old so had depreciated about 40%. So over time you aim to pay less on mortgage than you would have paid in rent. There are of course the intangibles Friends of mine pay even less than I do. Floating mortgage of course

@@shizuokaBLUES Japan views real estate a lot differently and contrarily to the way many capitalist countries do. You need to live somewhere, and they prefer to live in newer spaces typically which are typically being built as older buildings get demolished after roughly 30 years. You can also get older, traditional style housing, but without many of the modern conveniences built in or available to them. Also with a largely declining populace there's not a ton of demand, so Japan has a lot to offer in terms of cheap living space.

And what country that would be? In average gas price is over 6,5$ per gallon. In highly developed countries with comparable incomes to USA like Netherlands, Scandinavian countries, Germany, France it would be almost 8$. Groceries are also more expensive in those countries. I understand maybe stuff like healthcare can be far more expensive in USA, but sometimes y’all don’t realize how good you have it. In my country the average yearly salary is about 20-22k. Gas is 6,5$ per gallon like I said. I laugh when I hear Americans cry about 4$ gas…

💯 That’s why passport bros is a thing. People think passport bros is about chasing women, no, it’s about moving to country that has a much lower cost of living, but still be able to maintain a decent lifestyle. Finding a quality/traditional women is the icing on the cake.

Quick google search showed me that USA is #4 ranked in income to cost of life ratio. With best countries being Switzerland, Luxembourg, Singapore… so that’s that.

That's when you take out the highest student loans possible and move to a country where you want to go and they can't chase you down and garnish your wages 👍🏼

It does not matter where you move. Many Americans especially romanticize living in Europe for "free healthcare", "free education" and so on. Many have never even set foot there, let alone lived there. As someone who has lived all over, it does not matter where you live if your spending and financial knowledge is poor, you'll still struggle. I was an immigrant ("expat" as they say) in a European country and did much better than those born there because I was disciplined and had the right mindset/skills.

Greed.

CaPiTalIsM!

right! My car is only 14k and I love it!

I'm sorry but your comment has really bothered me. The more I look into inflation the more I start to question how bad it really is. Your comment is something that I thought about many times. Like what justification is there for a $500 monthly payment?

In most cases you do not need a car.

​@@lidyasworld313014k is still too high, do better

Dude a 17k car payment is like 350-400 because of a 9% interest rate. I had a 774 and got 8.1% when in 2019 I got 4.5.% for a car that cost the same.

100k per year???? Are you kidding me? If I made 100k a year I could buy a house easily and even a supercar along with it. Thats more than enough

This just speaks to the market of the day and how fast home prices rose. BTW, adjusted for inflation that orginal cost would be close to $150k today.

$1,500 worth of a car they should have never bought (they can't afford it), a student loan they could have worked to pay down or not taken out in the first place by choosing an affordable college with a meaningful degree program, and subscriptions to services nobody actually needs. Not counting the overpriced phone plan for one person. Yea, materialism is destroying people and they're too ignorant to realize it's their own greed keeping them broke.

And yet all our politicians tend to want is for you to pay even more and raise those percentages on the taxes you pay it’s never enough

You've all got what you've voted for. Democrats want ever larger BIG government, more regulations, more control over the rebellious plebs, more social benefits for the work-shy & those that play the system. Are the Republicans much better? Maybe a little, but not by much. Take a look at the last 50 - 60 years of government spending; spend, spend, spend, spend, tax, tax, tax, tax, borrow, borrow, borrow. My country of the UK is no better; all our major political parties vote for more BIG government, more regulations & social benefits, more spending & taxation, more borrowing & later the consequential unsustainable interest payable on those colossal loans.

@@jacoblynch9862 unlimited money for Israel and Ukraine.

Taxes aren’t the problem

My full reply about BIG government, tax & spend, borrow; has been deleted either by CNBC or uTube. They really don't like the truth do they.

How about this as a solution. Property taxes utilities groceries and an unlimited bus pass yearly. Are under $15k yearly per person in every single state in the US. Just payoff housing ASAP with roommates, and everything works out.

Cry harder for daddy government to save you.

The corporations the buy advertising on CNBC wont let them discuss solutions

Solution: Vote Trump! 🇺🇲

The "solution" is going to be a worldwide reset. All debt erased. One digital currency. All controlled by a centralized world government. National sovereignty erased. Your rights abolished. It's the system that the Antichrist will inherit when he comes to power. The Satanically possessed man who the world will look to for answers. We're living Biblical prophecy in real time. You may laugh at the premise now, but keep the thought in mind as it comes to fruition. Mankind's "solution" would destroy the race if not for the return of Jesus Christ to set it all right.

Because that's his slum house. He didn't want to show off the nice one.

lol 😂 glad I wasn’t the only one that noticed that

Finance influencers need to have ferraris to look successfull.

I never thought of it like this wow

My friends got into cars for $700 a month for 72 months. And I just recently bought a lightly used hatchback for $15k. I find this situation hilarious, especially since they KNOW I can afford a more expensive car. 🤷

Phenomenal Point you made!!!! It’s not the US causing this it’s the consumer base causing this. I totally agree. Making a good bit over 100k and I’ve been both stupid and smart in recent years. The difference was in my knowledge and awareness to what I was consuming!! Whether business was going great or not, the key was reduction in spending and allocating it towards something that wouldn’t disappear in a year lol! Spent 50k on a car I don’t even have anymore! I def stamp your comment! You are 1000% right! Lack of responsibility is our downfall! & If you’re making under 100k you need to increase your salary/commissions ASAP!

Warren Buffett always says the dumbest thing you can do is buy a new car every couple of years. He buys a car and runs it into the ground. I'm currently running a 21 year old car, that still looks and drives like new because I've taken care of it. That's why I was able to buy my own home a few years ago, as I didn't waste over $200,000 on a new car I didn't need :) And same for me -- zero credit card debt.

Yes yes yes. Thank you writing this all out. Paycheck to paycheck in my mind means…. You have car loans .

I used to work in HR in your area and that salary seems low for someone with an advanced degree. Have you looked at civil service work in Maryland or D.C? The federal government and local governments can pay very, very well; D.C tends to match federal salary because of the high earners in the city (one of the only places in the county where the average degree is a master’s). The state of Maryland doesn’t have incredibly competitive salaries but having a Ph.D can get you a job with no experience. Plus for any of these options, you could get your loans forgiven via the feds. Also, look at Anne Arundel County for houses. Most of the county is only 30 minutes away on the MARC train from D.C. If you don’t morally oppose government work, this could be a good option for you. Good luck!

@@MiniM69 Thanks for the information! I work at a government research institute as a post doc (still in my first year) so my salary is right around 100k, my wife is a professor at a liberal arts college so her salary is pretty low for the average Ph.D., but it's what she wants to do with her life. If I get hired long-term and/or she gets licensure to start taking her own therapy clients things may improve. The issue with my student loans is that even though I work for a government entity it's a sponsored position and I'm considered self-employed for tax purposes and cannot do PSLF. As such, I'm trying to aggressively pay them off as quickly as possible without forgiveness because otherwise I'm accruing over $400/mo. in interest alone at the moment and every dollar I put in is less money I pay in interest down the line. For my wife, she has sizable private student loans that cannot be forgiven, but she's also on a 25-year plan I think to get forgiveness for her public loans (though her monthly payments are about to almost double after recertifying). We live in Anne Arundel county, halfway between Baltimore and DC. Our housing costs are still over double what they were when we lived in Wisconsin the last two years. Even crappy apartments that met our needs were over $2k/mo. (we both need separate spaces for home office setups since I'm mostly remote and she does a lot of work from home on non-teaching days and weekends) not counting utilities, insurance, pet costs, etc. I'm also from Michigan so driving everywhere is strongly engrained in my lifestyle and I rely on a car for many things, including my sanity lol.

food delivery apps are worse than a simple starbucks and fast food, but people don't want to be inconvenience to get off their a$$ and pick i up themselves, or call the restaurant directly. Markup on food in the app, delivery fee, tip fee, and gas surcharge. Just call the restaurant directly for delivery and it will be cheaper.

@@godfathaofyo if takeout is making people go broke, they were already broke… plain n simple.

It's not that bad and you should stop doing that

@@jsebby2284 😂

@@jsebby2284 if it’s not that bad, why are entire news organizations on both sides of the political spectrum saying it’s that bad? 😂