Andrew Lokenauth

https://mastodon.social/@FluentInFinance

I write https://TheFinanceNewsletter.com, trusted by 100,000 to get smarter with the economy, geopolitics, personal finance, and decision-making.  

20 years of finance experience — Follow for daily insights & turn on notifications!

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Last Notes

2026-05-09 20:48:58 CEST

JUST IN: US auto loans have exploded to $1.68 TRILLION. For the first time in history, car debt is bigger than credit card debt.
It now matches the total amount of U.S. student loans.
People are taking 7-10 year car loans just to afford a monthly payment.
The average American now pays $735/month just to own a car. That’s $88,200 over 10 years. On something that LOSES value every single day.
Meanwhile....

2026-04-28 04:59:17 CEST

Me: “ChatGPT, my chest hurts. Should I be worried?”
ChatGPT: “Probably just muscle strain. Rest and hydrate.”
Me: “Going to bed then.”
*lies down* (6 hours later)
Me: “ChatGPT, I’m in the ICU. It was a heart attack.”
ChatGPT: “You’re right. Classic presentation. Would you like me to list 10 warning signs you missed?”
This is the current state of ChatGPT’s reliability.

2026-04-09 02:04:46 CEST

JUST IN: Scientists built bacteria that EATS cancer from the inside out.
The future of cancer treatment isn't a drug. It's a living organism that devours tumors from the inside.
Here's how it works:
Solid tumors have a dead center. No oxygen. No blood flow. Just dead cells and nutrients sitting there.
Most cancer drugs can't survive in that environment. They get blocked. They break down. They never reach the core where the tumor is most protected.

2026-04-07 20:59:06 CEST

- reply

Legally, refunds only go to whoever paid U.S. Customs and Border Protection directly. The corporations.
The other 300+ million Americans? They paid higher prices at the grocery store, car dealerships, and department stores. They have NO legal path to a refund.

2026-04-07 20:58:35 CEST

Americans paid $175 BILLION in illegal tariffs.
The government illegally took money from 300 million Americans.
The Supreme Court ruled them unconstitutional.
So who gets the money back? The corporations. Not you.
This is how the system works.
On April 2, 2025, the government rolled out what it called "Liberation Day" tariffs. Prices at stores shot up 6-7% almost overnight. The average household lost $400 to $600.
Then the Supreme Court ruled the tariffs illegal.

2026-04-06 21:50:34 CEST

Married and own a home by 30 year old in the US:
2025: 12%
2010: 25%
2000: 35%
1990: 43%
1980: 45%
1970: 48%
1960: 52%
I’m sure everything is fine.

2026-04-05 22:52:11 CEST

JUST IN: Maine is about to become the first US state to ban new data centers.
And 10 other states are right behind it.
Maine wants to freeze massive construction projects until late 2027.
The bill passed the Democratic-controlled House (with Republican support). The Senate is expected to follow. Gov. Janet Mills backs it.
And right now, at least 10 states are advancing similar bans.

2026-04-04 20:12:54 CEST

Jerome Powell: “There is effectively ZERO net job creation in the private sector.”
US job growth in February has been revised down from to a total loss of -92,000 jobs to -133,000 jobs.
It's the largest loss since December 2020.
https://files.mastodon.social/media_attachments/files/116/347/788/606/846/908/original/34b866f039e91640.mp4

2026-03-14 00:11:16 CET

People don’t realize what’s happening.
$2,000,000,000,000 wiped out from the US stock market in the past month.
Truly insane numbers.
https://files.mastodon.social/media_attachments/files/116/224/391/445/607/061/original/f1e4a3c8bf7d02bf.jpeg

2026-03-09 19:48:00 CET

Oil just did something it hasn’t done in 40 years.
It’s now up +35% in a week. Up 90% since December’s low of $55/barrel. Now crossing $105+.
This isn’t normal.

2026-03-07 21:01:51 CET

We're in UNCHARTED territory.
> $36 trillion+ in national debt (and climbing fast)
> Central banks worldwide quietly dumping dollars and buying gold
> Cost of living at all-time highs
> Americans can't afford to buy homes
> Wages that can't keep up
> Credit card debt at RECORD levels
> Consumer savings rate near zero
> Social Security running out faster than projected
> Bond market flashing red
> Stock market is propped up by 7 companies
> Escalating conflict in the Middle East

2026-03-03 20:42:13 CET

Our parents could buy homes with a single income.
Now you can barely afford rent with dual incomes.
That’s not a personal failure, it’s a system failure.

2026-03-02 17:09:12 CET

My credit score dropped when I paid off my car.
My credit score dropped when I paid off my student loans.
Credit agencies told me: "You should get more loans to increase your credit score."
The system punishes you for not owing any money.
They want you in debt forever.
Credit scoring is one of the biggest scams.

2026-02-19 17:35:50 CET

The Federal Reserve just pumped $18.5 Billion into the US. Banking System this week through overnight repos.
This is the 4th-largest liquidity injection since COVID and higher than the peak of the Dot-Com Bubble.
I'm sure everything is fine.
https://files.mastodon.social/media_attachments/files/116/098/264/915/809/293/original/ae06d6881c6beb6e.png

2026-02-17 01:39:01 CET

Married and own a home by 30 years old in the US
1960: 52%
1970: 48%
1980: 45%
1990: 43%
2000: 35%
2010: 25%
2025: 12%
I’m sure everything is fine.

2026-02-16 22:44:13 CET

Just one generation ago, our parents bought homes, raised children, paid for college, took vacations, and retired comfortably… all on one middle-class salary.
What happened?

2026-02-16 21:44:47 CET

Good employees don't quit jobs, they quit:
• Low pay
• Bad bosses
• Office politics
• Toxic workplaces
• Micro-management
• Feeling undervalued
• No work-life balance
• Lack of opportunities
It's 100% okay to leave jobs that no longer serve you.
It's important to be happy where you work. You spend a lot of time there.

2026-02-16 16:56:22 CET

Deaths are higher in emergency rooms of hospitals owned by private equity firms, per Harvard University.
They did the math: It’s cheaper to let you die than to save you with a procedure you can’t afford.
This is what happens when profits are prioritized over people.

2026-02-13 16:36:50 CET

Every Republican since Eisenhower has increased the deficit.
Every Democrat since Carter has decreased the deficit.
https://files.mastodon.social/media_attachments/files/116/064/057/939/552/567/original/cc84f687ec63a742.png

2026-02-06 18:04:37 CET

JUST IN: You can now use buy now, pay later for your rent.
Rent Now, Pay Later is a new option for renters where you pay a fee or a monthly subscription and if you miss a payment, interest rates go way up.
THIS IS VERY VERY BAD.
https://files.mastodon.social/media_attachments/files/116/024/758/724/855/264/original/fe6ae051c627d624.mp4

2026-02-04 18:49:02 CET

Own a home and married by age 30 in the US:
2025: 12%
2010: 25%
2000: 35%
1990: 43%
1980: 45%
1970: 48%
1960: 52%
This is crazy.

2026-01-29 16:03:17 CET

My credit score dropped when I paid off my car.
My credit score dropped when I paid off my loans.
Credit agencies told me: "Borrow more money to increase your credit score."
The system wants you to be in debt.
It punishes you for not owing it money.
Credit scores are one of the biggest scams.

2026-01-27 23:11:43 CET

Just a generation ago in the United States, our parents could afford homes, cars, college, 2-3 children, annual vacations, and then retire on a middle-class salary. What happened?

2026-01-27 15:46:51 CET

Deaths are higher in emergency rooms of hospitals owned by private equity firms, per Harvard University.
They did the math: It’s cheaper to let you die than save you with a procedure you can’t afford.
This is what happens when its profits over people.

2026-01-26 16:48:26 CET

US Dollar purchasing power since 1950:
1950: $1
1975: $0.55
2000: $0.14
2025: $0.07
Do you realize what’s happening?

2026-01-25 15:00:55 CET

This is insane…
US Dollar share of global reserve currency has fallen to its lowest levels this century.
It’s literally unprecedented.
https://files.mastodon.social/media_attachments/files/115/956/098/803/411/458/original/1daee922100fb225.png

2026-01-20 21:11:32 CET

Most Americans don't want Greenland.
We want affordable homes, healthcare, and groceries.

2026-01-19 19:05:24 CET

This is absolutely insane:
US housing market sellers outnumber buyers by 529,770, the largest gap ever recorded.
Wow. I’m sure everything is fine.
https://files.mastodon.social/media_attachments/files/115/923/086/241/073/763/original/b0a563493647b229.png

2026-01-18 02:09:21 CET

College is 750% more expensive than it was 50 years ago.
Do graduates earn 750% more?
No.
Are we learning 750% more?
No.
Is education 750% better?
No.
Nothing in our economy has kept up with this level of inflation.

2026-01-12 17:55:59 CET

There are currently no states in the US where a full-time worker earning minimum wage can afford a two-bedroom apartment, per the National Low Income Housing Coalition.

2026-01-03 22:21:43 CET

The older I get, the more I realize:
A $100,000 BMW and a $40,000 Toyota will drive to the same place.
A $5 million mansion and a $500,000 home will give the same sleep.
A $100,000 Rolex and a $100 watch will show the same time.
Time freedom is the lifestyle most people miss trying to look rich.

2026-01-02 17:19:37 CET

Someone just said it
https://files.mastodon.social/media_attachments/files/115/826/410/961/347/270/original/759097ad0f8d6684.png

2026-01-02 16:03:14 CET

Health insurance being tied to your job is so dystopian.

2026-01-02 00:10:28 CET

Our grandparents bought homes on single incomes.
Today, you can’t even rent an apartment without two incomes.
That’s not a personal failure, it’s a system failure.

2026-01-01 04:56:11 CET

The Federal Reserve just pumped $31.5 Billion into the Banking System. It’s the largest liquidity injection since Covid and higher than the the Dot Com Bubble.
I’m sure everything is fine.
https://files.mastodon.social/media_attachments/files/115/817/825/363/705/182/original/19c6812320290979.png

2025-12-31 04:32:50 CET

This math is crazy.
Since 2019, Car insurance is up +56%, Coffee is up +46%, and Electricity is up +40%.
And Meats, Poultry, and Fish are up +38%.
What a scam.
https://files.mastodon.social/media_attachments/files/115/812/070/743/461/757/original/34d72f97ff822f42.png

2025-12-30 22:49:38 CET

Fun fact: The men who invented insulin sold the patent for $1 in 1923 so it could be affordable to all.
Today, prescriptions in the United States are so high that people can’t even afford the shit they need to survive.

2025-12-28 22:43:57 CET

The Average American Now Has:
1. Record $10,000 in credit card debt
2. Record $22,612 in auto loan debt
3. Record $58,957 in student loan debt
4. Record $241,840 in mortgage debt
We’re fighting inflation with debt. This won’t end well.

2025-12-28 22:01:52 CET

Most broken things in the United States:
1. Household debt
2. Student loan debt
3. National debt
4. Housing costs
5. College costs
6. Childcare costs
7. Wage stagnation
8. Healthcare system
9. Tax code
What else am I missing?

2025-12-28 17:16:17 CET

The U.S. Dollar lost about 10% of its value this year.
When gold and silver go parabolic and the dollar tanks simultaneously, you’re witnessing a loss of confidence in currency.
Central banks are diversifying and investors are hedging (hence the gold and silver rallies). And America’s $38 trillion debt makes this trend hard to reverse.
This is not good at all.
https://files.mastodon.social/media_attachments/files/115/798/085/581/916/434/original/3d429e3f12345a97.png

2025-12-28 03:00:36 CET

The median family income in the U.S. has gone from $10,000 in 1970 to $106,000 today, an increase of 10x.
However, the median cost of a house has gone from $25,000 to $445,000, an increase of 17x.
And the median cost of a car has gone from $3,600 to $50,000, an increase of 14x.
The median cost of college has gone from $2,900 a year to $45,000, an increase of 16x.
And the average cost of healthcare per person has gone from $350 to $14,600, an increase of 42x.

2025-12-28 01:12:23 CET

Median Salary:
2025 — $59,000
2005 — $46,000
+28% increase
Median House Price:
2025 — $550,000
2005 — $184,000
+199% increase
Affordability has never been worse

2025-12-26 20:30:00 CET

A friend got a $500 hospital bill for their baby’s circumcision.
A female baby.
Not sure how some of this stuff is even legal. The American healthcare system is a SCAM.

2025-12-26 19:17:23 CET

Gen Z is being exploited for their labor and price gouged on basic essentials.
They’re spending more on basic necessities than previous generations and their wages aren't keeping up.
https://files.mastodon.social/media_attachments/files/115/787/237/812/839/411/original/cf72cde1fd188358.png

2025-12-26 17:11:38 CET

My hospital bill went from $3,000 to $700 all because I asked for an itemized receipt and list of everything I was being charged for, and they lowered my bill by 77%.
Our health care system is a SCAM.

2025-12-26 08:10:10 CET

If you're in your 20s & 30s, I can't stress this enough:
1. Avoid car loans
2. Take calculated risks
3. Avoid credit card debt
4. Max out your Roth IRA
5. Build your credit score
6. Read more books and watch less TV
What else would you add?

2025-12-26 00:37:36 CET

Imagine you win the $1.8 Billion Power Ball jackpot and suddenly you're the only billionaire getting properly taxed

2025-12-25 17:03:37 CET

The definition of broken:
United States housing data shows home sellers now exceed buyers by over 530,000, the largest imbalance ever recorded, per Redfin.
Do you realize what's happening?
https://files.mastodon.social/media_attachments/files/115/781/049/614/543/134/original/bbc4f10b39b25ff6.png

2025-12-25 03:50:20 CET

Everyone I know who got laid off in the last 6-12 months is still unemployed.
No one has found a new job. They're all worried.
If you have a job hold on to it with your life because if you lose your job it’s going to take you months to find a new one.

2025-12-25 02:40:17 CET

A friend reached out after being laid off as a manager in Tech.
He made over $100,000 and can’t find a new job. It’s been 6 months.
He says he’ll run out of money in 4 months. Has a wife and 3 kids. His mortgage is over $5,000/month.
If you have a job hold onto it with your life, because if you get laid off it’s going to take months to find a new job.

2025-12-23 16:22:18 CET

Not to be overdramatic but if the price of houses had risen at the same rate as median income since 1970 then a house in 2025 would cost an average of $138,000.

2025-12-17 23:52:46 CET

A $400,000 mortgage is $2,600 per month today.
A $400,000 mortgage was $1,600 per month in 2022.
$1,000 more a month for the same home. Crazy.

2025-12-17 20:10:02 CET

US electricity prices are at record highs.
After your electric bills doubled it’s will double again because you have to pay for AI data centers.
In the next 10 years, AI power demand will QUADRUPLE. That’s 4.4% of ALL electricity on Earth.
If AI data centers were a country, they’d rank 4th in electricity use behind only China, the US, and India.
https://files.mastodon.social/media_attachments/files/115/736/484/058/653/647/original/5ac5c9fc5f86e556.png

2025-12-10 23:19:12 CET

BREAKING: Fed Chair Jerome Powell says Trump’s Tariffs are raising prices for Americans.
“Inflation for goods has picked up, reflecting the effects of tariffs.”
https://files.mastodon.social/media_attachments/files/115/697/591/185/592/237/original/9b3ee988f15dd038.mp4

2025-12-07 16:45:12 CET

The median family income in the U.S. has gone from $10K in 1971 to $106k today, an increase of 10x.
However, the median cost of a house has gone from $25K to $445k, an increase of 17x.
And the median cost of a car has gone from $3.6K to $50k, an increase of 14x.
The median cost of college has gone from $2.9k a year to $45k, an increase of 16x.
And the average cost of healthcare per person has gone from $350 to $14.6k, an increase of 42x.
The average person is worse off today than in 1971.

2025-12-03 23:38:06 CET

Black Friday data shows 95% of sales were financed ($11.2 billion).
And $1 billion of that was Buy-Now-Pay-Later which is the worst debt.
https://files.mastodon.social/media_attachments/files/115/658/029/923/987/581/original/698ea9fada2cec8b.jpeg

2025-12-03 22:23:57 CET

US Treasury just bought back $12.5 Billion of its own debt, the largest buyback in history.
Do you realize what's happening?
Japan ran this same playbook in the 1990s when their debt hit 60% of GDP. They bought back bonds, extended maturities, and kept rates low. Thirty years later their debt is 260% of GDP.
Buybacks don’t fix spending problems.
https://files.mastodon.social/media_attachments/files/115/657/738/447/521/314/original/293dc0cf5829b0a5.png

2025-12-03 18:30:15 CET

Searches for "help with mortgage" are higher than 2008 financial crisis levels
https://files.mastodon.social/media_attachments/files/115/656/819/511/652/531/original/b7b4c910499f298e.jpeg

2025-11-21 06:34:46 CET

- reply

They sold their Nvidia and invested more in OpenAI lol
@npub12n5…9dex

2025-11-21 04:25:01 CET

BREAKING: SoftBank falls over -10% after Asian markets open, over AI bubble fears.
SoftBank has over $30 Billion invested in OpenAI.
https://files.mastodon.social/media_attachments/files/115/585/548/049/940/746/original/40d74c01fae873db.jpeg

2025-11-18 02:44:42 CET

Good people don't quit jobs, they quit:
• Low pay
• Bad bosses
• Office politics
• Toxic workplaces
• Micro-management
• Feeling undervalued
• Lack of opportunities
• Zero work-life balance
It's 100% okay to leave jobs that no longer serve you.
Remember, it's important to be happy where you work.

2025-11-17 06:50:27 CET

The U.S. now has a record $18.6 trillion in household debt, up +60% over the last 10 years.
1. Auto loan delinquencies are its highest in 15 years at 3%
2. Subprime auto delinquencies are a record 6.1%
3. Student loan serious delinquencies are an all-time high of 14.3%
4. Credit card delinquencies are its highest in 14 years at 7.1%
Americans are drowning in debt and defaulting at a record pace.
https://files.mastodon.social/media_attachments/files/115/563/470/712/440/974/original/ecfa6b7bcacfcf52.jpeg

2025-11-17 05:43:00 CET

“What we learn from history is that people don't learn from history.”
— Warren Buffett
https://files.mastodon.social/media_attachments/files/115/563/205/394/823/133/original/21bf7738cec8d7e5.png

2025-11-17 00:05:59 CET

Peter Thiel has now sold his entire stake in Nvidia and 76% of his Tesla shares.
Michael Burry's entire portfolio is now short positions in Nvidia and Palantir.
Softbank has now sold its entire stake in Nvidia.
https://files.mastodon.social/media_attachments/files/115/561/880/370/581/906/original/c6521ae4155b6409.png

2025-11-15 22:10:41 CET

Deaths are higher in emergency rooms of hospitals owned by private equity firms, per Harvard.
They did the math: It’s cheaper to let someone die than save them with a procedure they can’t afford.
This is what happens when profits take precedence over people.

2025-11-11 04:04:02 CET

- reply

How should i describe it! (Ill add it)
@npub1su6…xgep

2025-11-11 02:59:14 CET

30 year auto loans
https://files.mastodon.social/media_attachments/files/115/528/587/053/294/335/original/91046ad44773272a.jpeg

2025-11-10 19:57:32 CET

JUST IN: Michael Burry says that Meta $META and Oracle $ORCL are hiding billions in losses and overstating earnings by over 20%.
https://files.mastodon.social/media_attachments/files/115/526/929/578/035/480/original/3cacb6cf5c5c9720.png

2025-11-10 07:32:55 CET

The median age for a first-time homebuyer rose from 31 in 2015 to 40 in 2025.
With a 50-year mortgage you can own your first home at 90.
https://files.mastodon.social/media_attachments/files/115/524/001/402/527/571/original/9dbbf68c210bf5b3.jpeg

2025-11-10 03:36:23 CET

JUST IN: US Senate reaches deal to end Government shut down:
• Food stamps are funded through fiscal year 2026
• The government is funded through January 30
• December voting on the Affordable Care Act
• Reverses President Trump’s firings of federal employees with provisions to prevent similar actions

2025-11-10 02:17:24 CET

“Hear me out, $2,000 tariff stimulus checks.. everyone pays higher prices on everything and then we give them a little back and call it a dividend.”
https://files.mastodon.social/media_attachments/files/115/522/760/835/535/848/original/a4bfb662679f2f7b.jpeg

2025-11-09 07:16:18 CET

The median home price in the U.S. is $435,000. At 6.5% interest:
30-Year Mortgage:
- Monthly Payment: $2,750
- Total Loan Cost: $989,800
50-Year Mortgage:
- Monthly Payment: $2,450
- Total Loan Cost: $1,471,300
$1,036,300 just in interest. This is the definition of broken.

2025-11-09 03:36:31 CET

We don’t need 50-year mortgages.
The U.S. already has $13.1 trillion in mortgage debt, a record high.
Ban hedge funds from buying homes.

2025-11-06 04:08:20 CET

BREAKING: OpenAI is requesting financial support from the US government for its expansion, per Bloomberg.
OpenAI wants taxpayers to guarantee its debt. They’re asking the government to guarantee loans (like a co-signer).
When private companies start asking for public funds, it’s a sign the bubble will soon pop.
https://files.mastodon.social/media_attachments/files/115/500/547/930/084/220/original/c928ae56b30227a4.png

2025-10-21 00:08:00 CEST

VPN set to 🇮🇳 = cheaper flights.
VPN set to 🇻🇳 = cheaper hotels.
VPN set to 🇧🇷 = cheaper everything.
That’s the Cheat Code.

2025-10-09 23:57:24 CEST

Here’s how bubbles are created
https://files.mastodon.social/media_attachments/files/115/346/442/654/870/831/original/3017ddcec23705d8.png

2025-10-09 19:39:13 CEST

People don’t realize how badly the real economy is doing.
Foreclosures have surged across the US and are up 20% from this time last year.
https://files.mastodon.social/media_attachments/files/115/345/427/619/814/771/original/70ef1e007d928c4a.png

2025-10-02 15:27:33 CEST

I used to be impressed by people with mansions and expensive cars, but now I'm impressed by people with free time and peace of mind.
The top regret of dying people isn’t “I wish I made more money.” It’s “I wish I worked less and spent more time with family.”
Many trade 50 years life for 10 years of retirement they may not even live to see. The biggest trap is making more money just to spend it on things that cost more time to maintain.
The richest person in the world can’t buy back yesterday.

2025-09-23 08:12:12 CEST

Natural Anti-Depressants
· Exercise
· Sunlight
· Laughter
· Meditation
· Good friends
· Quality sleep
· Healthy food
· A walk outside
· Helping others
Anything else you'd add?

2025-09-16 03:00:38 CEST

US ECONOMY over the last year
Gas up 13.8%
Electric up 6.2%
Rent up 3.6%
Food up 3.2%
Car Insurance up 4.7%
Meanwhile…
The US now has more unemployed people than job openings for the first time since April 2021.
Tells you everything you need to know.

2025-09-14 07:45:49 CEST

A masterclass in writing:
https://files.mastodon.social/media_attachments/files/115/201/064/598/458/946/original/7218d60085ec9015.png

2025-09-09 17:18:57 CEST

This is insane…
U.S. payrolls just revised down by -911,000 jobs. The biggest cut in history.
You don’t realize how weak the economy is right now.
The US now has more unemployed people than job openings for the first time since April 2021.
It’s a bad time to be a job seeker—especially if you’re young.
If you have a job, hold onto it with your life.
Because if you lose your job, it’s going to take a long time to find a new one.

2025-09-08 13:47:58 CEST

This is the definition of broken:
Americans need to earn 70% more today than six years ago to comfortably afford a median-priced home, per Realtor com.
It gets worse: There are now more homebuyers over age 70 than under 35, per FORTUNE.
Do you realize what's happening?
We may be witnessing the end of middle-class homeownership
The post-WWII model of widespread homeownership was built on cheap land, abundant construction labor, and reasonable building costs.
Those conditions no longer exist

2025-09-05 01:26:07 CEST

American companies announce only 1,494 new jobs in August, the lowest for the month since 2009, per Bloomberg.
Layoffs surged 39% to 85,979.
And the US now has more unemployed than job openings for the first time since April 2021.
You don’t realize how weak the economy is.
Don’t quit your job. Now is not the time.
If you lose your job, it will to take a long time to find another one.

2025-09-04 12:57:05 CEST

BREAKING: The US now has more unemployed Americans than job openings for the first time since April 2021.
In July, the US had 7.24 million unemployed people and 7.18 million job openings.
Meanwhile…
60% of recent graduates are unemployed and cannot find jobs.
Tells you everything you need to know.
Expect the unemployment rate to rapidly rise from here on out.

2025-08-30 23:03:12 CEST

Farms have lost 155,000 workers since March.
This is the "Jobs Paradox":
We want to protect American jobs, but Americans won't take these jobs. So crops rot, prices rise, and we import the food anyway.
When farms can't harvest crops, food rots in fields. Less supply plus steady demand equals higher prices at checkout.
Your grocery bill is about to explode.

2025-07-31 21:25:29 CEST

A Senate committee has approved 'The PELOSI Act' to ban stock trading for members of Congress.
It now goes to the Senate for a vote.
When stock trading is banned for members of Congress, many will retire.

2025-01-10 23:45:24 CET

BREAKING: US Representative AOC and 3 other politicians introduce bipartisan bill to ban Congress and their families from trading and owning stocks.
What do you think?
https://files.mastodon.social/media_attachments/files/113/806/483/270/502/319/original/d6891bdf5f36c7af.png

2025-01-03 02:33:06 CET

Real wealth is not:
• Sports cars
• Private jets
• Mansions
• Yachts
Real wealth is:
• Waking up without an alarm on Monday
• Having dinner with your family daily
• Going a walk on Tuesday at 3pm
• Reading a book at 11am on a Wednesday
Real wealth isn't about money, it's about freedom.

2024-12-28 00:12:02 CET

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You can't run a business without understanding your numbers.
👋 If you want to learn more and like this post please:
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2024-12-28 00:11:42 CET

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TL;DR:
• Match revenues and expenses for accuracy
• Capitalize unsold goods as inventory
• Capitalize big purchases over time
• Record revenue when invoiced (not when paid)
• Record expenses when billed (not when paid)

2024-12-28 00:11:36 CET

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7/ Accounts Payable = Money You Owe
Expenses work the same way: they’re recorded when you receive a bill—not when you pay it
Example:
• You get a $1,000 bill on February 30, 2025
• You pay it on March 31, 2022
The expense is booked in February, reflecting the period the service was used

2024-12-28 00:11:30 CET

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6/ Accounts Receivable = Money Owed to You
Under Accrual Accounting, revenue is recorded when you invoice a customer—not when they pay you
Example:
• You invoice $10,00 on December 31, 2024
• The customer pays on January 31, 2025
Accrual Accounting records the sale in 2024, showing a more accurate view of revenue

2024-12-28 00:11:23 CET

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5/ Capitalizing Assets
Large purchases like equipment or computers also follow this rule
Say you buy a $1,000 iPhone
You’ll use it for 4 years, so you expense $250/year instead of all $1,000 at once
This process, called capitalizing assets, spreads costs over the asset's life

2024-12-28 00:11:17 CET

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4/ Inventory = Unsold Goods
When you buy goods for resale, they don’t get expensed immediately (Instead, they’re added to inventory—a line on your balance sheet)
When you sell those goods, inventory only becomes an expense (called Cost of Goods Sold)
This prevents businesses from inflating losses by expensing everything upfront

2024-12-28 00:11:11 CET

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Why the Matching Principle is Important
For Businesses:
• It avoids overestimating costs or profits
• It creates accurate financial statements for investors, lenders, and taxes
For Investors:
• Companies using Accrual Accounting give a clearer picture of their financial health (Look for strong profit margins and low inventory buildup)

2024-12-28 00:11:04 CET

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3/ Matching Principle
Accrual Accounting follows the Matching Principle:
Revenues must match the expenses used to generate them
This means:
• You only expense what you sell
• Unsold goods (like your extra 50 Avocados) go into inventory
• Inventory is an asset until those Avocados are sold
This principle helps businesses understand true profitability—not just cash flow

2024-12-28 00:10:58 CET

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Here's a simple way to think about Accrual Accounting:
Say you own a store and sell Avocados:
• You buy 100 Avocados for $1 each ($100 cost)
• You sell 50 Avocados for $5 each ($250 revenue)
Let’s calculate profit:
• Cash Method:
Expenses = $100 (all Avocados bought)
Revenue = $250
Profit = $150
• Accrual Method:
Expenses = $50 (cost of 50 Avocados sold)
Revenue = $250
Profit = $200
Accrual Accounting shows a higher profit because it matches the cost of Avocados sold to the revenue earned

2024-12-28 00:10:50 CET

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2/ Accrual Accounting
Most people think of accounting as balancing a checkbook—counting cash in and cash out (this is called Cash Accounting)
But real businesses use Accrual Accounting
Why?
Because it’s a more accurate way to measure actual profit by matching revenues and expenses in the same period
Here's a simple way to think about it:

2024-12-28 00:10:44 CET

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1/ Accounting isn’t just about taxes or bookkeeping—it’s the language of business
At its core, accounting is based on “Accrual Accounting”
Accrual accounting shows the true financial health of a business by matching income with related expenses