Top 1% money mindset. Real habits. Real numbers. BTC + working-family process. New takes daily.
san bernardino
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Made with AI
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Top 1% up $30T since 2020. Bottom 50% sits at $4.3T. I chart that paycheck gap — follow for the math.
The middle class is gone.
According to Fed data, the top 1% of Americans now control ONE-THIRD of all US net worth.
Since 2020, the top 1% have gained +$30 TRILLION in net worth, while the bottom 50% are worth just $4.3 trillion.
What is happening? Let us explain.
(a thread)
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Money math: $10K in a top high-yield savings account at 4.25% APY is about $425 a year. Same cash at a big bank paying 0.01%? Roughly a buck.
Where's your emergency fund earning right now?
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40,000 BTC left CEXs. Flows move. My $100 payday buy still clears either way.
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Lock expiry hits: $728 → $2,184. That's not a rate story — it's a paycheck story.
For five years, the interest rate on Richard Merrett's mortgage was locked at 1.14% but with the ultra-cheap deal set to expire in early 2027, he faces a sudden trebling of his monthly housing costs from $728 a month to $2,184 reut.rs/46YhSmQ
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Money math: Freddie Mac just printed 7.28% on the 30-year — highest since late 2023. On a $400K loan that's about $2,737 a month in principal and interest alone.
Would you lock that quote today?
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Weak jobs. Soft PCE. 10Y still won't stay down. Bond market already lives in my refinance quote.
We just got a weaker than expected September jobs report, a 2-month downward revision of -60,000 jobs, and weaker than expected PCE inflation data.
Meanwhile, the 10Y Note Yield can't even hold a decline for more than one hour.
The bond market is not messing around.
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Hyperscaler debt just outran Treasuries. Yields heard it. I track the paycheck squeeze — follow for that math.
Our tracker of hyperscaler off balance sheet liabilities shows $3.8 trillion as of Sept 30, up $700BN from June 30.
Adding $250BN in hyperscaler IG debt, the DV01 issued by the AI ecosystem in Q3 was about 25% higher than all Treasury issuance
That's why yields keep rising
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September added 29,000 jobs. Wall Street expected 90,000. Unemployment rose to 4.2%.
A softer print eased the fear of another Fed hike. Stocks finished higher: S&P +0.7%, Nasdaq +1.2%.
The 10-year yield still ended the day higher, at 5.28%.
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Trump: inflation pays the $40T debt 'very rapidly.' CPI sits at 3.4%. That's not relief — that's the saver tax.
This is unusual.
Trump says "certain levels of inflation" will pay off the $40 trillion debt "very rapidly."
He has blamed Biden for "the biggest inflation in history" and said prices are "coming down rapidly."
CPI and PCE are both at 3.4% now, well above the Fed's 2% target.
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Australia homes +70% in 7 years — now rolling over. Payment still sets the price.
For decades, Australian property has seemed like a one-way bet. House prices have risen roughly 70% in just seven years, making Australia one of the developed world’s most expensive housing markets. Now, prices are falling. Here's what to know. bloomberg.com/news/articles/…
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Money math: Average card balance sits around $6,610 (TransUnion Q2). At today's 19.63% APR (Bankrate), that's about $108 a month in interest just to stand still — nearly $1,300 a year before you chip the principal.
Ever run that number on your own balance?
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TS Lombard sees 10Y at 8%. My refinance quote already acts like that path is live.
"Here We Go Again": Fed's "Original Sin" Means 10Y Yields Are Going To 8%, TS Lombard Warns zerohedge.com/markets/here-w…
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30Y mortgage hit 7.60%. Up 160 bps in 7 months — waiting cost real money.
BREAKING: The average interest rate on a 30Y Mortgage in the US rises to 7.60%, the highest level since level since November 2023, per MND.
This officially puts mortgage rates up over +160 basis points since the low seen just 7 months ago.
Today's rates also have yet to account for the move into a fresh 24-year high on the US 30Y Note yield just now.
At this rate, 8% mortgages are just days away.
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Kashkari still penciled in 2 hikes this year plus another in 2027. My mortgage quote isn't getting cheaper soon.
FED'S KASHKARI SAYS THE ECONOMY REMAINS ROBUST DESPITE SHOCKS, WITH CONSUMERS CONTINUING TO SPEND AND JOB SEEKERS FINDING EMPLOYMENT, AND EXPECTS ONE MORE RATE INCREASE THIS YEAR AND ANOTHER IN 2027, ADDING THAT 'THE LONGER THE ECONOMY REMAINS ROBUST, THE MORE I QUESTION THE TIGHTNESS OF MONETARY POLICY' AND THAT THE NEUTRAL RATE IS PROBABLY HIGHER, AT LEAST FOR NOW.
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