How Money Works

How America Got So Good At Buying Sh*t

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All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.

#money #consumerism #wealth

Americans are the best consumers on the planet and it’s really not even close.

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Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.

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All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.

#career #finance #money

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*** Sources ***

https://fortune.com/article/why-are-men-leaving-the-workforce-more-women-outnumber/

https://www.axios.com/2026/03/27/women-jobs-health-care

https://nypost.com/2026/08/06/us-news/women-hold-more-jobs-than-men-for-third-time-in-us-history/

https://finance.yahoo.com/video/women-now-outnumber-men-workforce-173008000.html

https://fred.stlouisfed.org/series/LNS11300001

https://fred.stlouisfed.org/series/LNS11300002

https://fred.stlouisfed.org/series/LNS12000001

https://fred.stlouisfed.org/series/LNS12000002

https://www.bls.gov/news.release/pdf/empsit.pdf

https://www.bls.gov/news.release/empsit.a.htm

https://www.bls.gov/news.release/empsit.t21.htm

https://www.bls.gov/news.release/empsit.t21.htm

https://www.bls.gov/news.release/empsit.t16.htm

https://www.bls.gov/web/empsit/cesfaq.htm

https://www.pewresearch.org/social-trends/2015/10/22/the-gender-gap-in-self-employment-and-hiring/

https://www.pewresearch.org/short-reads/2023/08/03/almost-1-in-5-stay-at-home-parents-in-the-us-are-dads/

https://www.bls.gov/opub/ted/2026/higher-share-of-employed-women-than-men-held-a-bachelors-degree-or-higher-in-2025.htm

https://www.bls.gov/news.release/famee.nr0.htm

https://www.washingtonpost.com/business/2026/05/08/men-labor-force-drop-outs/

https://aibm.org/research/a-generation-of-lost-men-the-reality-of-neet-data/

https://www.pewresearch.org/short-reads/2025/04/17/the-shares-of-young-adults-living-with-parents-vary-widely-across-the-us/

https://www.thestreet.com/retirement/832000-out-of-the-workforce-why-prime-age-men-are-quietly-dropping-out

https://fred.stlouisfed.org/series/LRAC25MAUSM156S

https://www.hiringlab.org/2026/03/26/how-women-have-closed-the-workforce-gender-gap/

https://www.bls.gov/charts/employment-situation/employment-by-industry-monthly-changes.htm

https://fred.stlouisfed.org/series/SPPOP65UPTOZSUSA

https://www.bls.gov/cps/cpsaat18.htm

https://www.bls.gov/cps/cpsaat11.htm

https://www.aamc.org/data-reports/data/2025-key-findings

https://aibm.org/research/the-heal-economy/

https://www.npr.org/2026/04/10/nx-s1-5773327/women-men-jobs-health-care-manufacturing

https://www.nber.org/papers/w8260

https://www.stlouisfed.org/publications/regional-economist/october-2009/the-mancession-of-20082009-its-big-but-its-not-great

https://www.npr.org/2020/01/10/795293539/women-now-outnumber-men-on-u-s-payrolls

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For just the third time in History, Women now outnumber men in the workforce, or atleast… that’s the story…
As of two months ago this gap stood at around 100,000 more jobs held by women, and last month that difference grew to 150,000… which… in the grand scheme of the national workforce… is basically a rounding error…
BUT, the fact that this is so close at all, IS a sign of some major changes in the labor market that have really only been seen before in 2008, and 2019… so you know… maybe not a good si

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What You Need To Know About SVB, Silvergate & Signature Bank Collapses (In 7 Minutes)

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Last week America had it’s second largest bank collapse ever, here is how that actually happened in seven minutes.

Silicon Valley Bank the 16th biggest bank in America has been shut down by regulators and its operations have been seized by the Federal Deposit Insurance Corporation just three days after Silvergate bank another Californian Bank announced it would by winding downs it’s operations and liquidating.

SVB was called the investors investor as they had a venture capital and credit arm that would directly invest into funds such as sequoia capital, Ribbit Capital, Spark Capital and Greylock, basically the who’s who of institutional investors in Silicon Valley.

Most new businesses fail so traditional banks aren’t going to lend to any company that can’t show consistent profits or put up adequate security. Just like Silvergate saw a gap in the market to serve risky crypto traders Silicon Valley Bank saw a gap to serve new start-ups.

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Patrick Boyle's video at 1:50 https://www.youtube.com/watch?v=kxcwn7xoXhU&t=163s

Music Courtesy of: Epidemic Sound

Select Footage Courtesy of: Getty Images

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All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.

#svb #silvergate #signature

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Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks

Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.

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Investors Are Trying to Make Money By Doing The Opposite Of Jim Cramer - How Money Works

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He was the OG personal finance personality.

Cramer has by all accounts had a very successful career, according to his own records his hedge fund returned 24% annualised returns over his 14 years managing the fund, which netted him around TEN MILLION dollars a year in take home pay.

His experience on wall street and strong personality made him a great pick to host a TV show which has performed very well over the years it has been on air, even if it’s not for the best reasons.

The show runners and Cramer himself have said that the stocks they discuss should not become a major part of a viewer’s portfolio and that people’s life savings should be made up of a low-risk diverse selection of stocks, bonds and real estate.

But this sounds familiar, doesn’t it? This is just the TV show version of, “hashtag not financial advice”.

It’s difficult to watch, because a confident looking man that positions themselves as an authority on the subject talking about how a stock is about to make everybody rich is going to make some people buy in no matter how many disclaimers are made.

His catch phrase is “I just want to make you money”

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Edited By: Andrew Gonzales

Music Courtesy of: Epidemic Sound

Select Footage Courtesy of: Getty Images

For sponsorship inquiries, please contact [email protected]

All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.

Follow to learn How Money Works.

Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks

Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.

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Australia's Quiet Collapse

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My Other Channel: @HowMoneyWorksUncut @HowHistoryWorks

Edited By: Svibe Multimedia Studio

Music Courtesy of: Epidemic Sound

Select Footage Courtesy of: Getty Images

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All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.

#australia #wealth #money

Every year up until its collapse, Credit Suisse would prepare a report that looked at how wealthy the people of countries around the world were.

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Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.

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Buy Now Default Later - The Broken Business of BNPL

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My Other Channel: @HowHistoryWorks @HowMoneyWorksUncut

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All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.

Buy Now Pay Later companies now have over half a trillion dollars worth of debt on their books according to estimates from industry groups.

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Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks

Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.

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this video aged like milk

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George Soros books

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Books we recommend - https://howmoneyworkslibrary.com/

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Edited By: Svibe Multimedia Studio

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All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.

#finance #blackmonday #stockmarket

On Monday the 6th of August the S&P 500 opened down almost three and a half percent with the Nasdaq down FOUR percent and other global markets down by significantly more than that. [put up the google 5d graphs for S&P 500, NASDAQ, ASX 200, Euro N

Markets like the Nikkie 225 are down over TWELVE percent, and Taiwan’s main stock Index having its worst day in HISTORY.

This followed a weekly trend that has seen TRILLIONS of dollars wiped off markets around the world and fingers being pointed at Japan, the Fed, greedy wall street traders or really whoever else people want to blame when things go wrong.

And then just to prove that nobody fully understands what is going on… just one day later markets across the world rallied almost covering the losses from what people are now calling the new “Black Monday”.

Since you should expect a lot of YouTube thumbnails with red graphs, laser eyes and (so so many) flames in your immediate future now is probably a good time to ask… what is happening to the stock market… right now?

Japan’s economy has been stagnant for more than three decades now, and the Japanese Government along with its central bank has been trying to change that by keeping interest rates extremely low, even going NEGATIVE between January 2016 and January 2024.

It was hoped that these low rates would encourage local borrowing boosting the domestic economy but when that never happened the Bank of Japan almost became stuck offering these low interest rates because any increase would further slow down an already sluggish market.

It might not have done much for Japan, but investors took advantage of these low interest rates by borrowing money in Japanese Yen and then either investing in Japan, or more often exchanging Japanese Yen for another currency like the US Dollar and investing in asset markets here in America.

Since stonks only ever go up investors could make money on the spread between the low Japanese interest rates and the higher returns they could get in the market.

dropping in value relative to the USD so investors could make EXTRA money on the foreign exchange exposure if they didn’t hedge against it.

Like all good things, this worked well until it didn’t…

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Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format.

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Is The World Bank Actually an Evil Empire? - How Money WorksSign up for my newsletter https://compoundeddaily.com 👈The world bank and the International Monetary Fund are two international organizations that receive a fair bit of criticism for being overly powerful empires used by the wealthy and influential to squash poor and developing nations.And as we will explore a lot of this criticism isn’t entirely unfair either.But part of the problem stems from the average individual not knowing what the world bank is and what they do, which means at best they only hear about the issues that make headlines, or at worst they don’t hear anything about it and go grr, banks are bad, so a bank for the entire world must be the biggest baddest bank of all.And as we have said, they might not be wrong, but before we get the pitchforks out it’s time to learn how money works, and thoroughly investigate what these institutions do, what they are supposed to do, and why everybody seams to be angry at them all the time.Ok so they world bank and the international monetary fund are often confused for one another, and in fairness they are similar in a lot of ways. Both of them were started as financial arms of the United nations in the mid 1940’s as a response to the financial factors the led to world war 2.They are also both something that most people won’t have anything to with in their day to day lives, unless they were to become a very senior politician or bureaucrat.But here is the general breakdown.#WorldBank #IMF #HowMoneyWorks___________________________________________________________________________Link To The Capitalists Discord where I hang out with other creators - https://discord.gg/8MeNJ7gfSRMusic by Epidemic SoundFollow to learn How Money Works.Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorksDisclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.

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Companies Do Not Care About Staff Loyalty (Anymore) - How Money Works

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How many people do you know that have been with their current employer for more than 10 years? Well according to the US Bureau of Labor Statistics it’s actually 29% of people, which sounds suspiciously high until you consider that a vast majority of this group are made up of workers on the verge of retirement, which is important to remember for later.

Amongst all workers in the US the median was just over 4 years.

In fact multiple studies have suggested that full time workers that stick with their employers for more than two years on average get paid FIFTY PERCENT LESS.

This is an unbelievably large gap, ESPECIALLY when you consider that the average of the loyal working group will be drastically inflated by senior executives and the c suite who tend to have more tenure. In plain English, for regular Joes like you or me, this 50% figure is likely understated.

So why aren’t companies stopping this? Surely having to pay tens of thousands of dollars to advertise a position, interview candidates, onboard new staff, train them and wait for them to get up to speed with their new role is not sustainable if it has to be done over and over again every 2 years… right?...

Well you would think so, but there are a few reasons why companies don’t care about employee loyalty… anymore…

#Career #Jobs #HowMoneyWorks

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Link to my vid on BS Jobs - https://youtu.be/uK3OBAxCi6k

Link to my vid on retirement - https://youtu.be/Q5sF0MbfVn8

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Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks

Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.

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The Gig Economy is FullFollow to learn How Money Works.Find How Money Works on YouTube: ⁠https://www.youtube.com/@HowMoneyWorks⁠Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.

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