.

The 30-year Treasury yield just hit its highest level since 2007, and mortgage rates are now nearing 7%. A $600,000 mortgage now costs almost $1,500 more each month than it did in 2021. And that’s before property taxes, homeowners insurance, HOA fees, maintenance, utilities,

The typical home now costs $3,200 a month. You need at least $120,000 a year to afford it. Meanwhile, the median household income is $84,000. An entire generation under 30 is starting to believe a home and family will never happen for them. A generation with no stake

Bank: We can’t approve you for a $2,000/month mortgage. Me: But I’ve been paying $3,000/month in rent every month. Bank: That doesn’t count. Sorry.

The number of grown adults who still think they’re getting tariff refund checks is mind-blowing.

I have a joke about trickle-down economics. Sadly, 99% will never get it.

A 32-hour, 4-day workweek with no cut in pay would improve millions of lives. Abolish the 5-day workweek.

A country that’s $40 trillion in debt giving you a credit score is crazy to me.

A $500K mortgage now costs $3,800 a month. In 2021, that same mortgage cost $1,800 a month. That’s $2,000 more each month for the same home.

People with 2% mortgages from 2021:

Warren Buffett said he could end the deficit in 5 minutes. “Any time there’s a deficit of more than 3% of GDP, all sitting members of Congress are ineligible for reelection.” Do you support this?

That’s a way to look at it 😅

If you’re wondering why everyone is talking about Circle's stock $CRCL, here's everything you need to know:

My Final Investment Verdict Circle stock is a high-conviction, high-risk bet on the digitization of money. You should consider CRCL if you: - Believe stablecoins will dominate global payments - Can handle extreme volatility - Have a 3-5 year investment horizon - Want exposure to financial innovation Avoid CRCL if you: - Need steady, predictable returns - Can't afford to lose your investment - Are uncomfortable with crypto-related assets - Require the money within 2 years The Buffett test: Will Circle be more valuable in 10 years? I believe yes — the digitization of money is inevitable, and Circle built the infrastructure to profit from it.

Peter Lynch made 29% annual returns by investing in companies he understood. Want to get smarter with money? 1. Share this post and RT it🔁 2. Follow me @FluentInFinance for more 3. Join 100,000 and sign-up for our newsletter at TheFinanceNewsletter.com!

A married couple living off $126,700/year from their index fund portfolio pays 0% in taxes. This is due to $96,700 of long-term capital gains being taxed at 0% plus the $30,000 standard deduction. Tax code is built for investors. Invest your money.

A tax refund isn’t a “gift” from the government, it's an overpayment of your tax bill. A tax refund is a free loan that you gave the government, all year, at 0% interest. Would the government ever give you an interest-free loan?

Roth IRAs can make you a tax-free millionaire. But only 20% of Americans have one. Here's everything you need to know about Roth IRAs: (If you're in your 20s, I can't stress this enough)

Remember: 1. Start Early: The sooner you start, the better your gains. 2. Be Consistent: Regular contributions help your money grow faster. 3. Know the Rules: Understand income limits, withdrawal rules, and contribution limits.