Nostr notes by Andrew Lokenauth

JUST IN: US auto loans have exploded to $1.68 TRILLION. For the ...

2026-05-09T20:48:58+02:00

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....

Me: “ChatGPT, my chest hurts. Should I be worried?” ChatGPT: ...

2026-04-28T04:59:17+02:00

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.

JUST IN: Scientists built bacteria that EATS cancer from the ...

2026-04-09T02:04:46+02:00

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.

Legally, refunds only go to whoever paid U.S. Customs and Border ...

2026-04-07T20:59:06+02:00

In reply to nevent1q…sqej
_________________________

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.

Americans paid $175 BILLION in illegal tariffs. The government ...

2026-04-07T20:58:35+02:00

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.

Married and own a home by 30 year old in the US: 2025: 12% 2010: ...

2026-04-06T21:50:34+02:00

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.

JUST IN: Maine is about to become the first US state to ban new ...

2026-04-05T22:52:11+02:00

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.

Jerome Powell: “There is effectively ZERO net job creation in ...

2026-04-04T20:12:54+02:00

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.

People don’t realize what’s happening. $2,000,000,000,000 ...

2026-03-14T00:11:16+01:00

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.

Oil just did something it hasn’t done in 40 years. It’s now ...

2026-03-09T19:48:00+01:00

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.

We're in UNCHARTED territory. > $36 trillion+ in national ...

2026-03-07T21:01:51+01:00

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

Our parents could buy homes with a single income. Now you can ...

2026-03-03T20:42:13+01:00

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.

My credit score dropped when I paid off my car. My credit score ...

2026-03-02T17:09:12+01:00

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.

The Federal Reserve just pumped $18.5 Billion into the US. ...

2026-02-19T17:35:50+01:00

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.

Married and own a home by 30 years old in the US 1960: 52% 1970: ...

2026-02-17T01:39:01+01:00

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.

Just one generation ago, our parents bought homes, raised ...

2026-02-16T22:44:13+01:00

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?

Good employees don't quit jobs, they quit: • Low pay • ...

2026-02-16T21:44:47+01:00

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.

Deaths are higher in emergency rooms of hospitals owned by ...

2026-02-16T16:56:22+01:00

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.

Every Republican since Eisenhower has increased the deficit. ...

2026-02-13T16:36:50+01:00

Every Republican since Eisenhower has increased the deficit.

Every Democrat since Carter has decreased the deficit.

JUST IN: You can now use buy now, pay later for your rent. Rent ...

2026-02-06T18:04:37+01:00

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.

Own a home and married by age 30 in the US: 2025: 12% 2010: 25% ...

2026-02-04T18:49:02+01:00

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.

My credit score dropped when I paid off my car. My credit score ...

2026-01-29T16:03:17+01:00

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.

Just a generation ago in the United States, our parents could ...

2026-01-27T23:11:43+01:00

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?

Deaths are higher in emergency rooms of hospitals owned by ...

2026-01-27T15:46:51+01:00

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.

US Dollar purchasing power since 1950: 1950: $1 1975: $0.55 2000: ...

2026-01-26T16:48:26+01:00

US Dollar purchasing power since 1950:

1950: $1
1975: $0.55
2000: $0.14
2025: $0.07

Do you realize what’s happening?

This is insane… US Dollar share of global reserve currency has ...

2026-01-25T15:00:55+01:00

This is insane…

US Dollar share of global reserve currency has fallen to its lowest levels this century.

It’s literally unprecedented.

Most Americans don't want Greenland. We want affordable ...

2026-01-20T21:11:32+01:00

Most Americans don't want Greenland.

We want affordable homes, healthcare, and groceries.

This is absolutely insane: US housing market sellers outnumber ...

2026-01-19T19:05:24+01:00

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.

College is 750% more expensive than it was 50 years ago. Do ...

2026-01-18T02:09:21+01:00

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.

There are currently no states in the US where a full-time worker ...

2026-01-12T17:55:59+01:00

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.

The older I get, the more I realize: A $100,000 BMW and a $40,000 ...

2026-01-03T22:21:43+01:00

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.

Someone just said it ...

2026-01-02T17:19:37+01:00

Someone just said it

Nostr event nevent1qqs2zlspu8mw25lmkjgagp2ufywecfghdxcgx4ez8ztsv26fmsarldqzyp737uvzxsse0n2kzq9a3tn36p3cvdw65f4frt0uusdx4e9e64ddzm32ynj

2026-01-02T16:03:14+01:00

Health insurance being tied to your job is so dystopian.

Our grandparents bought homes on single incomes. Today, you ...

2026-01-02T00:10:28+01:00

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.

The Federal Reserve just pumped $31.5 Billion into the Banking ...

2026-01-01T04:56:11+01:00

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.

This math is crazy. Since 2019, Car insurance is up +56%, Coffee ...

2025-12-31T04:32:50+01:00

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.

Fun fact: The men who invented insulin sold the patent for $1 in ...

2025-12-30T22:49:38+01:00

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.

The Average American Now Has: 1. Record $10,000 in credit card ...

2025-12-28T22:43:57+01:00

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.

Most broken things in the United States: 1. Household debt 2. ...

2025-12-28T22:01:52+01:00

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?

The U.S. Dollar lost about 10% of its value this year. When gold ...

2025-12-28T17:16:17+01:00

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.

The median family income in the U.S. has gone from $10,000 in ...

2025-12-28T03:00:36+01:00

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.

Median Salary: 2025 — $59,000 2005 — $46,000 +28% increase ...

2025-12-28T01:12:23+01:00

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

A friend got a $500 hospital bill for their baby’s ...

2025-12-26T20:30:00+01:00

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.

Gen Z is being exploited for their labor and price gouged on ...

2025-12-26T19:17:23+01:00

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.

My hospital bill went from $3,000 to $700 all because I asked for ...

2025-12-26T17:11:38+01:00

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.

If you're in your 20s & 30s, I can't stress this ...

2025-12-26T08:10:10+01:00

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?

Imagine you win the $1.8 Billion Power Ball jackpot and suddenly ...

2025-12-26T00:37:36+01:00

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

The definition of broken: United States housing data shows home ...

2025-12-25T17:03:37+01:00

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?

Everyone I know who got laid off in the last 6-12 months is still ...

2025-12-25T03:50:20+01:00

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.

A friend reached out after being laid off as a manager in Tech. ...

2025-12-25T02:40:17+01:00

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.

Not to be overdramatic but if the price of houses had risen at ...

2025-12-23T16:22:18+01:00

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.

A $400,000 mortgage is $2,600 per month today. A $400,000 ...

2025-12-17T23:52:46+01:00

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.

US electricity prices are at record highs. After your electric ...

2025-12-17T20:10:02+01:00

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.

BREAKING: Fed Chair Jerome Powell says Trump’s Tariffs are ...

2025-12-10T23:19:12+01:00

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.”

The median family income in the U.S. has gone from $10K in 1971 ...

2025-12-07T16:45:12+01:00

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.

Black Friday data shows 95% of sales were financed ($11.2 ...

2025-12-03T23:38:06+01:00

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.

US Treasury just bought back $12.5 Billion of its own debt, the ...

2025-12-03T22:23:57+01:00

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.

Searches for "help with mortgage" are higher than 2008 ...

2025-12-03T18:30:15+01:00

Searches for "help with mortgage" are higher than 2008 financial crisis levels

They sold their Nvidia and invested more in OpenAI lol ...

2025-11-21T06:34:46+01:00

In reply to nevent1q…hut3
_________________________

They sold their Nvidia and invested more in OpenAI lol

Stuart Longland (VK4MSL) (npub12n5…9dex)

BREAKING: SoftBank falls over -10% after Asian markets open, over ...

2025-11-21T04:25:01+01:00

BREAKING: SoftBank falls over -10% after Asian markets open, over AI bubble fears.

SoftBank has over $30 Billion invested in OpenAI.

Good people don't quit jobs, they quit: • Low pay • Bad ...

2025-11-18T02:44:42+01:00

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.

The U.S. now has a record $18.6 trillion in household debt, up ...

2025-11-17T06:50:27+01:00

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.

“What we learn from history is that people don't learn from ...

2025-11-17T05:43:00+01:00

“What we learn from history is that people don't learn from history.”

— Warren Buffett

Peter Thiel has now sold his entire stake in Nvidia and 76% of ...

2025-11-17T00:05:59+01:00

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.

Deaths are higher in emergency rooms of hospitals owned by ...

2025-11-15T22:10:41+01:00

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.

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

2025-11-11T04:04:02+01:00

In reply to nevent1q…gxz5
_________________________

How should i describe it! (Ill add it)

Angela G (npub1su6…xgep)

30 year auto loans ...

2025-11-11T02:59:14+01:00

30 year auto loans

JUST IN: Michael Burry says that Meta $META and Oracle $ORCL are ...

2025-11-10T19:57:32+01:00

JUST IN: Michael Burry says that Meta $META and Oracle $ORCL are hiding billions in losses and overstating earnings by over 20%.

The median age for a first-time homebuyer rose from 31 in 2015 to ...

2025-11-10T07:32:55+01:00

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.

JUST IN: US Senate reaches deal to end Government shut down: • ...

2025-11-10T03:36:23+01:00

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

“Hear me out, $2,000 tariff stimulus checks.. everyone pays ...

2025-11-10T02:17:24+01:00

“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.”

The median home price in the U.S. is $435,000. At 6.5% interest: ...

2025-11-09T07:16:18+01:00

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.

We don’t need 50-year mortgages. The U.S. already has $13.1 ...

2025-11-09T03:36:31+01:00

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.

BREAKING: OpenAI is requesting financial support from the US ...

2025-11-06T04:08:20+01:00

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.

VPN set to 🇮🇳 = cheaper flights. VPN set to 🇻🇳 = ...

2025-10-21T00:08:00+02:00

VPN set to 🇮🇳 = cheaper flights.
VPN set to 🇻🇳 = cheaper hotels.
VPN set to 🇧🇷 = cheaper everything.

That’s the Cheat Code.

Here’s how bubbles are created ...

2025-10-09T23:57:24+02:00

Here’s how bubbles are created

People don’t realize how badly the real economy is doing. ...

2025-10-09T19:39:13+02:00

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.

I used to be impressed by people with mansions and expensive ...

2025-10-02T15:27:33+02:00

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.

Natural Anti-Depressants · Exercise · Sunlight · Laughter · ...

2025-09-23T08:12:12+02:00

Natural Anti-Depressants

· Exercise
· Sunlight
· Laughter
· Meditation
· Good friends
· Quality sleep
· Healthy food
· A walk outside
· Helping others

Anything else you'd add?

US ECONOMY over the last year Gas up 13.8% Electric up 6.2% Rent ...

2025-09-16T03:00:38+02:00

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.

A masterclass in writing: ...

2025-09-14T07:45:49+02:00

A masterclass in writing:

This is insane… U.S. payrolls just revised down by -911,000 ...

2025-09-09T17:18:57+02:00

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.

This is the definition of broken: Americans need to earn 70% more ...

2025-09-08T13:47:58+02:00

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

American companies announce only 1,494 new jobs in August, the ...

2025-09-05T01:26:07+02:00

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.

BREAKING: The US now has more unemployed Americans than job ...

2025-09-04T12:57:05+02:00

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.

Farms have lost 155,000 workers since March. This is the ...

2025-08-30T23:03:12+02:00

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.

A Senate committee has approved 'The PELOSI Act' to ban ...

2025-07-31T21:25:29+02:00

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.

BREAKING: US Representative AOC and 3 other politicians introduce ...

2025-01-10T23:45:24+01:00

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?

Real wealth is not: • Sports cars • Private jets • Mansions ...

2025-01-03T02:33:06+01:00

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.

You can't run a business without understanding your numbers. ...

2024-12-28T00:12:02+01:00

In reply to nevent1q…7gtg
_________________________

You can't run a business without understanding your numbers.

👋 If you want to learn more and like this post please:

1. Share it with others and repost it🔁

2. Follow me Andrew Lokenauth (npub1050…u59e) for daily tips

3. Join 90,000 readers in my newsletter at TheFinanceNewsletter.com to get smarter with money

TL;DR: • Match revenues and expenses for accuracy • ...

2024-12-28T00:11:42+01:00

In reply to nevent1q…wmqm
_________________________

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)

7/ Accounts Payable = Money You Owe Expenses work the same way: ...

2024-12-28T00:11:36+01:00

In reply to nevent1q…y3fk
_________________________

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

6/ Accounts Receivable = Money Owed to You Under Accrual ...

2024-12-28T00:11:30+01:00

In reply to nevent1q…dtqp
_________________________

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

5/ Capitalizing Assets Large purchases like equipment or ...

2024-12-28T00:11:23+01:00

In reply to nevent1q…7rpz
_________________________

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

4/ Inventory = Unsold Goods When you buy goods for resale, they ...

2024-12-28T00:11:17+01:00

In reply to nevent1q…6pxl
_________________________

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

Why the Matching Principle is Important For Businesses: • It ...

2024-12-28T00:11:11+01:00

In reply to nevent1q…82qc
_________________________

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)

3/ Matching Principle Accrual Accounting follows the Matching ...

2024-12-28T00:11:04+01:00

In reply to nevent1q…dgpl
_________________________

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

Here's a simple way to think about Accrual Accounting: Say ...

2024-12-28T00:10:58+01:00

In reply to nevent1q…7209
_________________________

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

2/ Accrual Accounting Most people think of accounting as ...

2024-12-28T00:10:50+01:00

In reply to nevent1q…uxnr
_________________________

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:

1/ Accounting isn’t just about taxes or bookkeeping—it’s ...

2024-12-28T00:10:44+01:00

In reply to nevent1q…3680
_________________________

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