Althea Palacios @MsMitzi28 - Twitter Profile

about 20 hours ago

You will spend 90,000 hours of your life at a job That's about 30% of your entire waking existence Trading your life for someone else's profit And the financial system was designed to make sure you can't ever stop The average American works 40 hours a week, 50 weeks a year, for 45 years. That's 90,000 hours. About 10 full years of consecutive 24-hour days, spent working for someone else's company, making someone else rich You will spend more time at your job than you will spend with your children, your spouse, your friends, your parents, and your hobbies combined. The defining experience of being human in America in 2026 is working Now here's the trap: you can't quit. You don't work because you love it. You work because the system makes it mathematically impossible to stop. Housing, healthcare, transportation, food, and debt service together consume 70-95% of every paycheck the moment it lands. You cannot save your way out. You cannot frugal your way out. You can only keep working until you physically can't And the people who designed this know exactly what they're doing. The same banks, insurance companies, and corporations that own the assets you rent (your housing, your car, your healthcare, your data) also own the credit score that decides what price you pay for renting them Watch how the trap was set: In 1971 the dollar was decoupled from gold. Asset prices began inflating faster than wages In 1974 ERISA shifted retirement from employer pensions to employee 401ks. Risk shifted from companies to workers In 1978 the Bankruptcy Code was rewritten making it harder to discharge consumer debt In 1989 FICO launched the modern credit scoring system. Now every financial decision had a price tag attached to a private corporate algorithm In 2005 student loans became non-dischargeable in bankruptcy. The trap was sealed Each one of those moves quietly shifted risk and cost from corporations to individuals. Each one made it harder to escape the system. None of them were ever voted on by you Now compare to a 1970 worker: Pension instead of 401k = retirement was guaranteed Healthcare came with most jobs = no $20K family premiums Housing cost 2x annual income = affordable on one salary College cost a summer job = no $80K debt entering adulthood Bankruptcy actually worked = real escape valve if life broke That entire safety net got dismantled, piece by piece, for the benefit of capital owners. And the credit score is the leash they put on you to make sure you can't ever drop out of the game The reframe that changes everything: You are not "behind." You are not "failing." You are running on a track that was deliberately tilted away from you for 55 years The wealth gap is not a result of effort. It's a result of policy The credit score is not a measure of responsibility. It's a measure of how much extra you pay to live in a country that quietly stopped working for most of its people The escape is not "work harder." The escape is "use the same tools they use." Cheap capital. Asset ownership. Borrowing instead of saving. Leverage instead of frugality Fix the score. Access the capital. Stop trading hours for dollars and start trading borrowed dollars for assets. The system was rigged. The cheat code was always there. They just made sure you'd be too tired from working to find it lmfaooo (i fix credit in 30-90 days. link in bio)

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Althea Palacios

@MsMitzi28

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