The Disconnect

Technological Advancements, Space Colonization, Human Survivability in the Decades to Come. These are just a few of the topics we'll be covering in Part 1 of 2 as we take a look into the predictions of Futurists in this week's episode of Pure Speculation. Science Fiction or a Figment of the Imagination? We'll grade these predictions on their plausibility...for better or worse. 

Hosts Zack Hayes and Phil Hayes break it all down in this week's episode of Pure Speculation. Follow us on Twitter @strugglestate

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Happy New Year! With this New Year comes the promise of another round of Stimulus Checks! This round won't be quite as exciting with the amount per person being chopped in half to $600 from the $1200 of the original payments. While 14 Million Americans remain unemployed, does it make sense to give almost 190 Million Americans Stimulus Payments or should we be focusing on Unemployment Benefits? Plus, what can $600 even get you these days? Seems a little insulting...maybe we should demand more from our Representatives. But what do you expect in the Struggle State?

Hosts Zack Hayes and Phil Hayes break it all down in this week's episode of Pure Speculation. Follow us on Twitter @strugglestate

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2020 was an absolute disaster of a year Zach Clark and Zack Hayes are setting out on a year long journey to make 2021 the best year yet for them and for you! Follow us as we set specific goals and track the progress. Have a goal you want to set for 2021? Reach out to us and we'll feature YOU on an episode of SET IT!

You can find Set It on Facebook & Twitter and on 32andMain.com. Make sure to subscribe to the pod wherever you get yours!

There's no "magic number" but that doesn't stop people some throwing out the M word...Million. The figure used to be 1 Million for retirement but with inflation, cost of living increases, higher tax brackets, and satisfying our needs that number has quickly doubled to where 2 Million is the new amount necessary to save for a comfortable retirement. While everyone's situation is different, when so many Americans struggle to save for a rainy day, how can the majority of people even think about implementing a plan for retirement? Well, the time will come fast so do it while you can.

We'll review the recommended figures and strategies for people at every stage in employment and give our own advice for where to start if you're struggling on planning for retirement.

Hosts Zack Hayes and Ryan Kersten break it all down in this week's episode of Talkin Cash, now a part of the Struggle State and Pure Speculation Family. Follow us on Twitter @strugglestate and @wetalkincash

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The U.S. is outperforming the Global Economy amidst the Pandemic through the utilization of stimulus packages, low interest rates, and a booming stock market. But our employment rate isn't keeping pace with our Global counterparts and as money from the CARES ACT dries up, a moratorium on evictions expires, and credit card spending begins to decrease we'll ponder if that means this Economy might be maxed out. You can only prop up this Economy for so long before the effects begin to be felt.

Oh, and Big Business is thriving while Main Street is Dying. Is the Average American being shorted? We'll present some figures that should make every American angry no matter what Political Spectrum you find yourself on.

Hosts Zack Hayes and Phil Hayes break it all down in this week's episode of Pure Speculation. Follow us on Twitter @strugglestate

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Normally during economic uncertainty and high unemployment rates, the residential housing market is discussed ad nauseam. But these times are quite different than what a normal slow down looks like. The way we do business, the way we live, and the path we find ourselves on is unlike any time in history and there is one part of the real estate market being ignored.

We wonder...what is going to happen to all of this commercial space that become empty as a result of the American Work Force migrating to remote working? It feels like it might be here to stay and if so, many of these companies won't be renewing leases when that time comes. Will this create the next big bubble that shocks the economy? Only one way to find out...let's speculate!

Hosts Zack Hayes and Ryan Kersten break it all down in this week's episode of Talkin Cash, now a part of the Struggle State and Pure Speculation Family. Follow us on Twitter @strugglestate and @wetalkincash

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Have you seen the Black Friday/Cyber Monday numbers for 2020? Even in the midst of a pandemic where unemployment is higher, future employment is uncertain, and states are shutting down, the American People did not disappoint. We like to spend and we made that abundantly clear this Holiday spending weekend. Retail therapy? Maybe. A fat credit card bill in January? Most definitely. The real question is, can we afford that bill when it comes? That might be the big indicator for what is in store for 2021.

Hosts Zack Hayes and Phil Hayes break it all down in this week's episode of Pure Speculation. Follow us on Twitter @strugglestate

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The U.S. Economy as we knew it might be over. That would be a bold statement if it were only coming from our mouths. But when these words are uttered by the current Federal Reserve Chair, Jerome Powell, it sends shivers down the spine of anyone who participates in our economy. And that's essentially every citizen in the United States. And that's exactly what happened earlier this November when Powell was speaking at a panel discussion on Central Banking.

The COVID Shutdowns that swept the nation brought on advancements in technology and companies were quick to find new ways to innovate in ways that would usually takes years to formulate. All of this causes disruption to the market and low level jobs are sure to be some of the first casualties. But where will it end?

We may be recovering, but it will be to a completely different economy.

Hosts Zack Hayes and Phil Hayes break it all down in this week's episode of Pure Speculation. Follow us on Twitter @strugglestate

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The Market is Up! But wait, so is Unemployment! Consumer spending is down...but so are personal savings! How does any of this make sense? Is now the right time to jump into the market? Are you diversified enough in your investments? What's in store for the end of 2020 and the beginning of 2021 as we usher in a new Administration. So many questions, so little time, not enough bourbon.

Host of Pure Speculation Zack Hayes and Talkin Cash Alum Ryan Kersten are back at it again bringing you their take on the roller coaster that is investing and analyzing the market from the average investor's stand point.

Hosts Zack Hayes and Ryan Kersten break it all down in this week's episode of Talkin Cash, now a part of the Struggle State and Pure Speculation Family. Follow us on Twitter @strugglestate and @wetalkincash

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The $68 trillion transfer of wealth in America is evaporating amid the economic crisis. The number is staggering but the wealth and private businesses accumulated by the Boomers is starting to show that it may not have the staying power to pass on to future generations. What does this mean to the future of the American Economy as we know it?

Hosts Zack Hayes and Phil Hayes break it all down in this week's episode of Pure Speculation. Follow us on Twitter @strugglestate

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