I came across your channel through this video- case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.
That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.
I'm a newbie talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 10Ok to test the waters now that large cap stocks are at a discount
The Congress just slipped in a 40% raise for themselves it was then continuing resolution budget. When was the last time you got a raise? How much did you get?
I am so sick of this dam government. These people are corrupt and money hungry. They only care about their personal pocket and not about the people. Sooo, sad.😢
They could reduce rates to 3% but no one has money to buy anything. Until salaries catch up which is highly unlikely unless you are a member of congress.
Those “unemployment” rates are a misleading metric. They don’t count underemployment, those forced to retire early from lack of employment, and those unemployed so long they’ve given up. That’s why it’s so low, they pick and choose what qualifies
Unemployment rate is measured by total number of people in the “primary working age bracket”, if you retired and you’re still in that bracket you count. Anyone between 18-72 counts
Completely agree, but I'm just relieved they said whatever they said that triggered a sell off. I am not making any more in this market with bubble stocks sitting in bubble territory and not much else going on except medical stocks going down.
My wife's employer just shut her factory down. It's been open for almost 60 years in my small town and provided 500 well paying jobs to a typically lower income area. This is 1 of 5 larger companies who have shut down over the past 3 years.
The rich get richer and the poor get more poor. The middle class is becoming lower and poverty class. Taxation once through our checks, and then taxation again through inflation.
And whatever is left gets gobbled up in gas, utilities, insurance, taxes and groceries. No one I know has even put up a Christmas tree this year. Not in the spirit at all.@inerfyr
I just saw a new home on the market in my area. 1800 sf. 3BR/2BTH. $360,000. 4 years ago that home would have been $185,000. This is inflation at its simplest. Lowering rates will push the cost of that house up even more.
True mortgage rates haven’t gone down. People are ready to buy it at 360k because the home prices have increased all over the USA not just one or two cities. So, when the mortgage rates fall - people think it’ll go over 360k. Which means the home prices are going to be higher in future? People still think that home prices are low now.
@ people are paying more due to anxiety and they think it will go further higher… honestly it’s hard to guess which way real estate market will swing..if recession happens it would have a dip but it may come back again
@@JoesIceCreamCone why not? You can literally find hundreds of videos online of him promising to cut taxes and put more money in our pockets? Are you…calling him a liar…?
Gas, fuel, groceries and consumer goods are skyrocketing again. Don't kid yourself. Shrinkflation and 5 to 10 percent jumps on top of that have raised my total budget by about 15 to 20% since Septermber.
On the contrary... We just dodged the biggest bullet in 220 years... I always wonder why people post a comment so devoid of reality... Carlin was spot on 1/2 of people are stupid on average... And 50% are stupider then that
While I know no one has a crystal ball, these vids where they say "It could go up, it could go down, it's a positive thing, but it might not be" are beyond ridiculous at this point
Wait, after the ridiculous nature of the Trump bump that no one - and I mean no one - predicted, you think this guy can predict all of the moves? Really? CNBC peddles Tom Lee out every day and that dude talks non-stop and did not once predict bank stocks jumping to the moon and medical stocks jumping off a click if Trump won, nor did he predict the TSLA meltup or some manufacturing companies going into a bubble. And he's worth millions, his whole careers is precisely trying to predict these things. He's also been wrong on SPY targets all year. But yeah, random youtubers should know better.
@ You are absolutely right. The bond market is the last vestige of a free market that we have this country, and it doesn’t agree that inflation is coming down. I think the Fed will resort to yield curve control in order to help the federal government inflate its debt away.
@@TheLethargicAge I don't see how YCC can possibly work. That needs QE and since the FED is controlling the yield it isn't a profitable investment retuning a negative real yield. So would the FED buy literally every bond? No private investor will. That would require trillions of printing.
Prices are much to high for Powell to unleash inflation yet again!. Powell started lowering rates before prices even started to come down. Many people can't participate in the economy anymore. We cannot lower rates that are ALREADY TO LOW until there is strong deflation and inflation is brought under control at 0%to 1%. The markets are way too expensive as well just like everything else that people HAVE to buy. The markets and prices MUST come down. We need recession with steep deflation! Cutting rates AGAIN was a BAD mistake! No justification for it! Controlling inflation (which has been MUCH higher than the government says) and lowering prices is MUCH more important than making the rich richer!
😂😂. If we keep lowering rates you think housing will come down?? Lowering rates literally drives home prices up as people can afford a more expensive home. Higher rates means you can afford less, so in theory housing prices should drop when rates rise . However, with inflation as crazy as it’s been, houses aren’t coming down in price. Moreover, the only way to fight inflation is to raise the rates. Rates were 14% on my parents first home in 1991, but the house only cost $87k to purchase. Today, that same house is worth $280k, but should only cost $201k based on inflation. Not only that, the dollar doesn’t nearly go as far today as it did in 1991, as the government has mass printed money in the last 5 years. So really that $280k house is the equivalent of a $350k house with the awful buying power we have. Lower rates drive up the price and hurt the middle class in this situation. Inflation needs to be solved before lowering rates.
@@lancebasss3959we’ve had rates at 4-5% for years. When rates went much lower then ppl started buying and bidding higher. Now we have high inflation and lower rates won’t make a difference for lower income folks
No kidding. I bought my house earlier this year and prices are already up 7% in my neighborhood for the same model. People are striking or quitting everywhere because their wages haven't gone up...Fedex, Canada post, Volkswagen, Boeing...anyone could have seen that rates can't be cut. Heck, even I decided to raise my prices on my products. Better to work less at higher prices. Nobody wants to work for the same wage two years in a row.
3:12 It's not just about the slight uptick--its about the trend. We've never seen a up-trending unemployment rate like that without a corresponding recession in the following years. They are still trying to thread the needle of a soft landing. But yeah, open markets are calling BS, which may just mean the fed has no control over the situation, and rates will in fact be increasing going into deteriorating market conditions. Its all pretty deflationary imo.
It was not priced in. IMO it is the reduction in the number of rate cuts for 2025 and beyond that made the market drop. So if we had planned and priced in 6 cuts in 2025 for example but now they are forecasting on 3 that is something that is not priced in yet and causes the market reaction. Hope this helps.
Their cutting rates to help financial institutions loans to each other AND those same financial institutions are in such bad shape they're keeping the actual loan rates to their clients and prospective clients high instead of lowering them.
So much for this channel and freedom of speech. I called out the guys claiming “The Congress” gave themselves a 40% pay bump. Those comments stay, but mine gets deleted for putting a link showing the proposed increase is only 3.8%.
@revpgesqredux I'm working towards more financial freedom, yes. But in the end EVERYONE takes orders. Don't be fooled to think you can be 100% free. Death is the only 100% freedom. 😉
Yep... commercial real estate is a huge real mess, and not getting any better. Residential real estate is holding as best it can to not completely ruin real estate reputation as a viable investment...and in the process it is pissing off every single worker and young person that cant afford to live in this country anymore with the average salary. It has all been bs for a long time...they have been putting off this commercial real estate crisis for about half a decade and tons of people don't even know about it and how bad it is.
It's only fair that the Trump Administration is going to have to solve this crisis and how his handling of the covid economy left us with all of this inflation 4 years down the road. Buckle up it's going to be a rough ride
A bag of apple that are in season starting October we're 5.99 they rose to 10.99 .meat I can't afford to make a pot of homemade soup now.There all crooks
I came across your channel through this video-
case studies are incredibly valuable, and I'm eager
to see more in the future! Building wealth involves
establishing routines, like consistently setting aside
funds at regular intervals for smart investments.
You're correct. I think the smartest way to go is
to spread out your investments. By putting
your money into different asset classes like
bonds, real estate, and stocks from other
countries, you can lower the risk if one part of
the market goes bad.
That sounds like a good plan. In the past two
years, working closely with a financial market
specialist, I've built a six-figure diversified
stock portfolio. Now, I aim to diversify even
more this year.
I'm a newbie talking about a financial market specialist, do
you consider anyone worthy of
recommendations? I have about 10Ok to test
the waters now that large cap stocks are at a
discount
Mrs Martha Ann Hammerton was my hope during the
'bear summer last year . I did so many
mistakes but also learned so much from it
I was skeptical at first till I decided to try. Its huge returns is awesome.
"they're a bunch of liars"...our ENTIRE government in a nutshell.
I love when you tell us the truth and bash the government by showing us their real agenda.
The Congress just slipped in a 40% raise for themselves it was then continuing resolution budget. When was the last time you got a raise? How much did you get?
I guess congressmen are kind of their own bosses, because they certainly don't listen to their constituents.
He who makes the rules has the Gold!😢😡😡😡
Traitors
I am so sick of this dam government. These people are corrupt and money hungry. They only care about their personal pocket and not about the people. Sooo, sad.😢
Good for the bastards!😂
They are lying about the unemployment rate.
So hard to get a job as a us citizen bc of too many iilegals. And DACA. Trump gonna deport them
💯 👍
They could reduce rates to 3% but no one has money to buy anything. Until salaries catch up which is highly unlikely unless you are a member of congress.
Or in the top 10%.
They lied to us....................again.
Surprised???
Someone get Luigi on the phone
When they haven’t 😂
@@CeeZee001And bring your brother Mario to.
At this point I'd be more surprised if they ever told us the truth!
Spending cuts for the poor and increased wages for the politicians.
Don’t forget shareholders & CEO’s!!
well keep voting right wing oligarch pigs like trump and musk in office .. that will help ..
trump played us for fools
@@thomaschow-s4ghe’s not even in office yet dummy
@@thomaschow-s4g he did. Every Trump supported got fooled. They voted for Elon Musk in reality 😭💀😂
Those “unemployment” rates are a misleading metric. They don’t count underemployment, those forced to retire early from lack of employment, and those unemployed so long they’ve given up. That’s why it’s so low, they pick and choose what qualifies
FACTS
@@Daedroh 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣
Yes they do. Who told you that? How would anyone know the difference between an unemployed person and a person who had “given up”?
Unemployment rate is measured by total number of people in the “primary working age bracket”, if you retired and you’re still in that bracket you count. Anyone between 18-72 counts
Completely agree, but I'm just relieved they said whatever they said that triggered a sell off. I am not making any more in this market with bubble stocks sitting in bubble territory and not much else going on except medical stocks going down.
I've been telling people for three or four years now, interest rates are not the tool for a government out of control. Wrong tool for the job.
My wife's employer just shut her factory down. It's been open for almost 60 years in my small town and provided 500 well paying jobs to a typically lower income area. This is 1 of 5 larger companies who have shut down over the past 3 years.
The rich get richer and the poor get more poor. The middle class is becoming lower and poverty class. Taxation once through our checks, and then taxation again through inflation.
And whatever is left gets gobbled up in gas, utilities, insurance, taxes and groceries. No one I know has even put up a Christmas tree this year. Not in the spirit at all.@inerfyr
God bless bean counters, musk, and Zuckerberg.
Liberals
Zuckerburg? You mean Vivek?
I just saw a new home on the market in my area. 1800 sf. 3BR/2BTH. $360,000. 4 years ago that home would have been $185,000. This is inflation at its simplest. Lowering rates will push the cost of that house up even more.
Will it? If no one can afford it now how will lower rates make it more affordable if the price of the house increases? No one will buy it.
You’re fortunate - here in my market homes has gone up $100,00 in the last 18 months.
True mortgage rates haven’t gone down. People are ready to buy it at 360k because the home prices have increased all over the USA not just one or two cities. So, when the mortgage rates fall - people think it’ll go over 360k. Which means the home prices are going to be higher in future? People still think that home prices are low now.
trump played us for fools
@ people are paying more due to anxiety and they think it will go further higher… honestly it’s hard to guess which way real estate market will swing..if recession happens it would have a dip but it may come back again
You'll own nothing and be happy is changing to you'll borrow everything and be miserable
Congress just said FU to all tax payers. I say FU back to congress!
Don’t worry daddy Trump is coming, with his promise to lower the cost of groceries!
@@mars2165 also lower the cost of rent and mortgage...
@@mars2165I voted for him but unfortunately it’s not going to be that easy.
@@JoesIceCreamCone why not? You can literally find hundreds of videos online of him promising to cut taxes and put more money in our pockets? Are you…calling him a liar…?
Congress has literally nothing to do with this...
Thank you for all of your content. As a young married full time working father it really means a lot what you do for us
Brian, you are the only guy I trust to get me this info. Thank you!
It's a banana republic without the benefit of bananas.😂🤣
😂😂😂
Only recently came across you, but you just rock! Love how brief and concise your videos are too. Thanks for the great sharing!
Brian used one of the best truthful words to describe em- Liars! Straight and to the point. I can feel the frustration.
Gas, fuel, groceries and consumer goods are skyrocketing again. Don't kid yourself. Shrinkflation and 5 to 10 percent jumps on top of that have raised my total budget by about 15 to 20% since Septermber.
It’s beginning to look like the end of America
On the contrary...
We just dodged the biggest bullet in 220 years...
I always wonder why people post a comment so devoid of reality...
Carlin was spot on 1/2 of people are stupid on average...
And 50% are stupider then that
You’re the man dude always giving it to us straight no beating the bush
Just opened my robin hood app and thought the world was ending
Right 😂
Same let's pray it goes back up 😂
😮😂😅
Last chance sale of the year. I was so happy
Yes
Fed "jawboning" should be illegal. They deliberately manipulate the market and play with peoples emotions causing over reactions. Its ridiculous.
Meanwhile my 3% “cost of living adjustment” just got pushed back 6 months to “align for the fiscal year.” Funny, inflation didn’t wait 6 months 🤔
While I know no one has a crystal ball, these vids where they say "It could go up, it could go down, it's a positive thing, but it might not be" are beyond ridiculous at this point
You get it now. Do you're own research and record keeping. They lie too often.
Wait, after the ridiculous nature of the Trump bump that no one - and I mean no one - predicted, you think this guy can predict all of the moves? Really? CNBC peddles Tom Lee out every day and that dude talks non-stop and did not once predict bank stocks jumping to the moon and medical stocks jumping off a click if Trump won, nor did he predict the TSLA meltup or some manufacturing companies going into a bubble. And he's worth millions, his whole careers is precisely trying to predict these things. He's also been wrong on SPY targets all year. But yeah, random youtubers should know better.
Brian’s channel is right to the point. Best financial analysis hands down.
ive been watching you since early covid. Thank you for all your hard work and constant quality videos. Prosper on my brother!
THANK YOU BRIAN! ❤
I'm about to move out the us
Bye bye. I hear the Congo is nice this time of year.
Inflation: sticky and rising
Fed: let’s cut rates!
These cuts really don't matter. It's the long end that's a problem and that will only go down with FED QE.. but QE will cause more inflation.
fake money in their control to keep us poor.
@ You are absolutely right. The bond market is the last vestige of a free market that we have this country, and it doesn’t agree that inflation is coming down.
I think the Fed will resort to yield curve control in order to help the federal government inflate its debt away.
@@TheLethargicAge I don't see how YCC can possibly work. That needs QE and since the FED is controlling the yield it isn't a profitable investment retuning a negative real yield. So would the FED buy literally every bond? No private investor will. That would require trillions of printing.
The Fed is trapped:
cut rates and they fuel inflation
raise rates and they will bankrupt the Treasury
Powell and his group need to resign!
Trump will get his ass out lol
@@frankeldios1542 Trump wants negative interest rates.
I’d say they need to all pee in a strong breeze 😂
You sound soft. Make it happen get a group of people and make it known.
@@frankeldios1542- He cannot fire Powell!! Haha
The 10 year is on a rampage. We're going to have checking accounts that pay 0.02% on our savings, and 9% mortgage rates.
Lmao
Prices are much to high for Powell to unleash inflation yet again!. Powell started lowering rates before prices even started to come down. Many people can't participate in the economy anymore. We cannot lower rates that are ALREADY TO LOW until there is strong deflation and inflation is brought under control at 0%to 1%. The markets are way too expensive as well just like everything else that people HAVE to buy. The markets and prices MUST come down. We need recession with steep deflation! Cutting rates AGAIN was a BAD mistake! No justification for it! Controlling inflation (which has been MUCH higher than the government says) and lowering prices is MUCH more important than making the rich richer!
Thank you for the update. I wish you a very nice day.
If you have money, you want rates dropped. If you have a brain (and heart) you know this only hurts those who don’t own much. It is so wrong…
So lowering credit card, car, and mortgage payments just hurt the working class...interesting. Guess we should make rates 10% to help them out.
😂😂. If we keep lowering rates you think housing will come down?? Lowering rates literally drives home prices up as people can afford a more expensive home. Higher rates means you can afford less, so in theory housing prices should drop when rates rise . However, with inflation as crazy as it’s been, houses aren’t coming down in price. Moreover, the only way to fight inflation is to raise the rates. Rates were 14% on my parents first home in 1991, but the house only cost $87k to purchase. Today, that same house is worth $280k, but should only cost $201k based on inflation. Not only that, the dollar doesn’t nearly go as far today as it did in 1991, as the government has mass printed money in the last 5 years. So really that $280k house is the equivalent of a $350k house with the awful buying power we have. Lower rates drive up the price and hurt the middle class in this situation. Inflation needs to be solved before lowering rates.
@@lancebasss3959we’ve had rates at 4-5% for years. When rates went much lower then ppl started buying and bidding higher. Now we have high inflation and lower rates won’t make a difference for lower income folks
I think you got this backwards lol
All by design
No doubt.....
What hurts the labor market is when CEO"S get a 25 million bonus and regular employees get a ham or turkey for Christmas. Yayyyy little people.
Not even that!
They get a 25 million bonus and we get fired
why do people vote for right wing cap pigs oligarchs then? because trans people ?
@@somewillunderstand or just a pizza party 😭💀😂😂
🤣🤣
No kidding. I bought my house earlier this year and prices are already up 7% in my neighborhood for the same model. People are striking or quitting everywhere because their wages haven't gone up...Fedex, Canada post, Volkswagen, Boeing...anyone could have seen that rates can't be cut. Heck, even I decided to raise my prices on my products. Better to work less at higher prices. Nobody wants to work for the same wage two years in a row.
so they can raise property taxes
Try for 7 years no pay increase
You bought at the TOP of the Monster Housing Bubble
3:12 It's not just about the slight uptick--its about the trend. We've never seen a up-trending unemployment rate like that without a corresponding recession in the following years. They are still trying to thread the needle of a soft landing. But yeah, open markets are calling BS, which may just mean the fed has no control over the situation, and rates will in fact be increasing going into deteriorating market conditions. Its all pretty deflationary imo.
Thanks for the Cliffs Notes version
Hi Brian! Thank you!
Thank you, Brian!
why did the stock market dump after an expected rate drop? shit makes no sense.
for real I thought it was all priced in
@@whassupbr05because next year will have less rate cuts now than previously expected basically. That’s the drama now.
It was not priced in. IMO it is the reduction in the number of rate cuts for 2025 and beyond that made the market drop. So if we had planned and priced in 6 cuts in 2025 for example but now they are forecasting on 3 that is something that is not priced in yet and causes the market reaction. Hope this helps.
So think of this, why do rates go down but not mortgage rates? Shit don’t gotta make sense until you look into the why(s)
its because of powell's hawkish tone. Take it with a gain of salt, they could change on a dime if they want to
They did not raise or lower anything to decrease inflation. One cannot cause inflation and then turn around and say they are fixing it?
Calm before the real storm
I think so....
You called it! I was looking forward to this video 🔥
Their cutting rates to help financial institutions loans to each other AND those same financial institutions are in such bad shape they're keeping the actual loan rates to their clients and prospective clients high instead of lowering them.
I was waiting man
So much for this channel and freedom of speech. I called out the guys claiming “The Congress” gave themselves a 40% pay bump. Those comments stay, but mine gets deleted for putting a link showing the proposed increase is only 3.8%.
Spot on, Sir, as always.
Exactly!!!! Why cut rates now!!!!
You nailed it.
Is this why my HYSA keeps dropping their rates? It’s now under 4.0% and the reason why I opened it was because it was over 4.0%
Re-Inflation Baby!
It backfired . So guess misery loves company! Thanks Brian happy Wednesday!
My mutual funds, my precious mutual funds 😭😭😭
My friend your insight is invaluable. Thank you
Remember what happened in the 1920's when greed got out of hand?
Did they say they wanted to “soften” the labor market when this all started ? Now they are afraid it will hurt the labor market🤨
Exactly. Few remember the prior statements when caught up in the new season of "As the Ponzi Turns".
Transitory Recalibration straight to StagFlation
It's weird because Powell talking about consumer prices being better than pre pandemic.. I'm like wtf 🧐😮💨
Great job and Happy Holidays
Love the info !!! Thank you !!!
Thanks 🙏🏼 for always explaining in an easy to understand fashion.
Great information, thank you!
Gotta love working in healthcare. I just got a $248 weekly raise. 💪
Because you're only following orders
Weekly, nice.
@revpgesqredux I'm working towards more financial freedom, yes. But in the end EVERYONE takes orders. Don't be fooled to think you can be 100% free. Death is the only 100% freedom. 😉
Good. Interest rate cuts would be bad for us right now.
I really appreciated a prior video with guidance on how to ride the inflation wave that is coming! This is just the beginning of the inflation wave.
This is misleading for the retail store(s) that use the word Target in their name. 🤔2:22
Does this all tie into the great melt up?
If you mean “The Great Reset” then yes. We are currently in the midst of that plan. I would recommend you buy Silver, Gold and XRP.
Can we get Brian on the DOGE committee!?!?
He's trying!! Applied to DOGE
Tell me you're a chud without telling me your're a chud.
Brian you're the best!
They lie. They HAVE TO re-fi old debt at lower rates.
We just got audited and our CPA doesn't seem to want to mess with an appeal 😢
Thank you for sharing your expertise with us.
I told myself this, “what would Brian say”, sorry missed your live for I had to stepped out for grocery shopping (darn food).
I knew this clip would come up soon
Yep... commercial real estate is a huge real mess, and not getting any better. Residential real estate is holding as best it can to not completely ruin real estate reputation as a viable investment...and in the process it is pissing off every single worker and young person that cant afford to live in this country anymore with the average salary. It has all been bs for a long time...they have been putting off this commercial real estate crisis for about half a decade and tons of people don't even know about it and how bad it is.
As you explained earlier
Where are these drones coming from Brian!?? 😂😂
What is Hysa going to do now
Figured they would slow down
DOW down 1100 points today ouch.
It’s as if they don’t want a good strong economy. Intentionally keeping the lid on a good thing.
Thanks!
They need to cut more, there is no job! Corporate America is not hiring!!
Thank you.
Subscribed. Perfect timing and good analysis
The Dow should be at 15,000...😅
Was literally waiting for your post today!
Would love to hear a update on the dodge application
I love how they make their decisions based on fake numbers.
Thank you for your informstion
Incredible info
It's only fair that the Trump Administration is going to have to solve this crisis and how his handling of the covid economy left us with all of this inflation 4 years down the road. Buckle up it's going to be a rough ride
A bag of apple that are in season starting October we're 5.99 they rose to 10.99 .meat I can't afford to make a pot of homemade soup now.There all crooks
Inflation hurts the labor market a lot more than higher rates. I can tell you as a participant in the labor market.
The stock market tanked because the fed will be slower to lower interest rates in 2025. “Brother can you spare a dime?”
tbh can care less about fed interest rate. care more about mortgage interest rates.