How Money Works

What Happens To The Real Estate Market When All The Boomers... Die?

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#finance #realestate #business

It doesn’t mean anything to be Working class or middle class anymore… The only thing that matters is if you own a home or if you don’t.

The home you live in now statistically makes more money than you do and the last hope that a lot of young people have to catch up is getting a house gifted to them by a relative... Which begs the question. What happens to the real estate market when all the boomers… die?

There is an old saying that the best time to start investing was 30 years ago, the second-best time is right now. But that conventional wisdom might not hold up in today’s market. Buying a home at the right time could set you and family up for financial security for the rest of your life. The only thing is, the right time was when you were still in school and if you try to buy a home now you will be taking on record high interest rates, record high prices AND record low availability all at the same time… People sell homes for two reasons, because they want to and because they HAVE to. Nobody who already has a home WANTS to sell it because most Americans have been able to lock in record low interest rates. If they sell their house and buy another one, they will get a new mortgage at interest rates which will TRIPPLE their payments on a home of the same value. According to data from the national association of realtors, eighty-seven percent [87%] of new home purchases are made using a mortgage, and the average down payment of a first home buyer is only seven percent [7%]. This means higher mortgage rates are worth avoiding at all costs.

A report by the wall street journal found that even when homeowners moved interstate, they would hold on to their homes and rent them out and then rent another house to live in… Everybody that wants to sell their home is waiting for interest rates to fall. Everybody who wants to buy a home is also waiting for interest rates to fall. And everybody who is stuck renting is being forced to compete with people who already own a home but don’t want to sell it because they have locked in a sweet interest rate.

The players in the real estate market are in a Mexican standoff, but the renters are stuck fighting with a Banana. The only hope for people who just want to buy a home is to get it off someone who NEEDS to sell. According to another report published by the national association of realtors the average home seller in America was SIXTY!! [60] years old!

So it’s time to learn How Money Works to find out why you probably won’t benefit as much as you are hoping from the boomers passing down their homes…

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The Rise And Fall of the "Tech Bro"

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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.

#tech #business #career

Before the year 2000, if you wanted to make a lot of money in a predictable career you needed a nice suit and an important looking business card. Your options where finance, medicine, law or senior company management if you were lucky.

But then… just a few years later at around about the same time as those people in their fancy suits were blowing up the global economy a new breed of millionaire was entering the mainstream.

They replaced the puffer vests and Bloomberg terminals with flip flops and vim terminals…

Tech bro’s worked fewer hours, had better perks and in many cases made better money than their peers in more traditional high-income roles…

What’s more is that people didn’t hate them…

Executives, bankers and their fancy lawyers were rightfully blamed for enriching themselves by leeching off a broken system that cost people their homes, their jobs, and their futures…

Meanwhile people loved the idea of hacky sack playing nerds making millions by actually making stuff that improved our lives…

But now… 15 years later the tech bros became everything they promised to destroy… and they kind of destroyed themselves in the process…

For a while you could have a great degree of confidence in becoming filthy rich by putting in a few years at a major Silicon Valley tech company… but this all relied on a stream of money that wasn’t coming from nowhere…

Venture capital, the firms that ACTUALLY invest in early-stage start-ups to develop their new technology NEVER again actually reached the level of financing it did during the dot com bubble.

That was… until something changed in 2021…

So it’s time to learn How Money Works to find out how Tech Bro’s ruined tech for themselves…

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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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Why Dumb People Earn More Than Smart People

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#business #finance #careers

Dumb people make more money than smart people and it took a study conducted by really smart people to prove it. A study out of Sweden has found that top earners have lower intelligence than the people in income levels directly below them.

The Plateauing of cognitive ability among top earners drew on data from 59,000 men who had to take a compulsory military conscription aptitude test. It then tracked their earnings over their professional careers to find the relationship between intelligence and income. Before Tai Lopez gets any ideas for more shitty YouTube commercials or the hustle bros learn how to read journal articles and use this to encourage people to drop out of college, I want you all to know how this data really works.

The relationship between intelligence and income was strong, smarter people earnt more money but only up to six hundred and seventy thousand Swedish krona or sixty-four thousand dollars per year. After that intelligence didn’t mean much anymore and at the very top end of income earners, the 1%, dumber people actually did better.

So is this a sign that watching TikTok and reality TV is actually better for your career than going to college? Well maybe actually, for two important reasons but there are also two reasons why you should probably ignore this and keep studying hard if you want to get ahead financially. Reason number one why dumb people are doing better than smart people is that smart people fill in high prestige jobs that don’t have high salaries.

Academics and research scientists are some of the smartest people in the world, but they don’t get paid well. Doctors, lawyers and elite financiers also need to be very smart to get through demanding schooling and admission exams and these professionals ARE typically compensated very competitively BUT most of them don’t make it all the way into the 1%. In the USA to be in the top 1% of income earners an individual needs to make at least five hundred and ninety-seven thousand dollars before tax and that’s just the minimum to join the 1% club.

so it’s time to learn How Money Works to find out why dumb people are earning more than smart people and why this trend is completely meaningless for your own career planning.

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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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jUsT BUiLd MorE hOusEs!!

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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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How American Generals Are Being Paid Millions To Serve Foreign Governments - How Money Works

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Let’s say you devote your life to military service. You enrol in officer training and work up the ranks until one day you are a general with combat experience in whichever country the States decided had too much oil.

American Generals, and Admirals make are O-10 level employees and make a base salary of $203,000 a year, with generous benefits and bonuses for deployment.

That’s good money to most people, especially when it continues as a lifetime military pension of $180,000, every single year, for doing nothing, once you have put in your twenty years of service.

Service men and women EARN every last cent of this money and people who have dedicated their lives to serving in our armed forces should be looked after, the system is much better at looking after the top brass than the common soldier, but that’s besides the point.

I could never do this job and I respect anybody that can, at least I did until the world started learning about what they do after their career comes to an end (or just get’s started depending on how you look at it)

The retirement benefits of a military general should be good enough for anybody to live of off, but some don’t see it this way.

Some think that Generals are basically chief executives of large organisations with tens of thousands of employees, handling billions of dollars, and working on the most challenging projects in the world.

When you put it like that, the public service pay scale starts to look a bit mediocre… Leaders in the private sector are making millions of dollars a year for the same level of work and they don’t spend their time in active warzones.

So to set things right, high level military leaders have taken a page out of the investment banking interns playbook. It’s not about the money they are making right now, it’s about the job they CAN get once they have padded out their resume a bit.

So it’s time to learn how money works to find out how America’s top military leadership are using their careers to score obscenely lucrative contracts with some not so friendly governments.

#howmoneyworks #retirementplanning #military

Edited By: Andrew Gonzales

Music Courtesy of: Epidemic Sound

Select Footage Courtesy of: Getty Images

For sponsorship inquiries, please contact [email protected]

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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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Sometimes Bad Ideas... Are Just Bad Ideas

Try ZipRecruiter for FREE at http://ziprecruiter.com/howmoneyworks------The "Death By China" documentary - https://youtu.be/mMlmjXtnIXI?si=6Qq6N0oejJ3UunSDSign up for our FREE newsletter! - https://www.compoundeddaily.com/Books we recommend - https://howmoneyworkslibrary.com/-----My Other Channel: @HowMoneyWorksUncut @HowHistoryWorks Edited By: Svibe Multimedia StudioMusic Courtesy of: Epidemic SoundSelect Footage Courtesy of: Getty Images📩 Business Inquiries ➡️ [email protected] up for our newsletter https://compoundeddaily.com 👈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 #finance #tradewar -----So the global economy has lost and found about 6 trillion dollars within the span of a week. The most intense global trade war in modern history has been threatened and then paused, and threatened, and paused, and threatened, and paused again… SEVEN different times now! By the time YOU are watching THIS video that number might have changed again. Global economic uncertainty is at record highs and while the stock market may have recovered (for now), REAL people are starting to feel the consequences of this little game as layoffs are accelerated, hiring is frozen, prices are increasing and interest rates are spiking. Now I already know what you are thinking, there is nothing about these trade wars that hasn’t been said already. And that’s actually exactly the problem. For a variety of reasons even highly respectable outlets and experts have been trying to find what the “real” meaning is behind the flip flop trade war… Be it a secret plan to reduce interest rates before we refinance our debt, redefining the role of the US dollar as a global reserve or just some 4D UNO negotiating tactic. These explanations are very entertaining and appealing to people who want to make sense of a situation that could really impact their personal financial situation But… if you want to look for deeper meaning where there is none, you should have majored in art history, not gone into journalism, economics or businesses. Sometimes, bad ideas… are just bad ideas… and not acknowledging this has caused problems in politics and businesses well before we started putting tariffs on penguins.

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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.

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The Bank of Mom & Dad

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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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nOboDy wAnTs tO HaVe kIdS AnyMore

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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 #economy

The end of the second world war resulted in a massive spike in fertility across the world that gave rise to the largest generation in history, the aptly named baby boomers.

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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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Wall Street's Dangerous New Obsession With Farmland

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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.

#business #finance #realestate

According to the US Department of Agriculture farms owned by institutional investors are now responsible for more than TWELVE percent [12.6%] of total food output in America!

That might not sound like a whole lot, but the value of farmland investments has more than doubled since 2020 ALONE.

Cascade Investments is an investment firm that reportedly employs over 100 analysts and operates EXCULISIVELY to manage the assets of Bill Gates and his ex-wife Melinda. It owns assets like a 71% stake in the four seasons hotel chain and 14% of the Canadian national railway… but it ALSO owns a quarter of a MILLION acres of farmland.

The farmland is owned though a series of smaller holding companies but when asked why they had bought up so much farmland, the firm simply suggested that it was a good investment… nothing more…

Many outlets have claimed that this makes Gates the largest landowner in America… but that’s simply not true… not by a longshot

Major investment companies and even other billionaires have invested so much into farmland over the last 2 decades that it makes Gates’ 250,000 acres look positively pathetic.

So why have cornfields become the hottest asset amongst the big boys on wall street?

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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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The Deadly Monetization of Nursing Homes

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#business #finance #privateequity

There are institutions operating in America today that are responsible for over twenty THOUSAND [20,000] premature deaths all in the name of profit.

They make their money by housing vulnerable people in the custody and cutting costs wherever they can, often breaking the law in the process.

These might sound like for-profit prisons, but I am actually talking about… nursing homes, although maybe that’s no coincidence, because a lot of these places are owned and operated by the same people. If you are an investor with lots of cash and good connections aged living is an attractive business opportunity.

The aging population means that you will have an ever-growing number of customers.

Revenues can be sourced from insurance companies, individuals and the government AND once you have residents in your homes it’s unlikely that they will ever check out until… well… they check out…

According to research done by the National Bureau of Economic Research elderly Americans are also less financially literate which means they won’t know if they are getting a good deal or not.

The investment potential gets even better more of these businesses you own the more profitable you can make them because overheads like administration, sales and contracting can be shared across multiple locations. Consistent cash flows, a growing customer base and synergies at scale has made nursing homes one of the most targeted alternative asset classes in America.

Investors can now gain exposure to the aged care market through direct investment, private equity, and even exchange listed real estate investment trusts, that can be purchased by anybody with a robin hood account and ninety dollars [$90] BUT the reality of this business is razor thin margins, distorted incentive structures and a race to the bottom on quality and safety.

So it’s time to learn How Money Works to find out just how broken the aged care industry really is…

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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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