Crack Finance

Discover actionable insights from American Business and Finance Case Studies. Learn and apply them in your journey.

[Crack Finance @crackfinance01]

Federal interest on debt now exceeds 1 Trillion dollars ($1T) per year, and estimated to be $3T+ in 2030 Defense spending is $841B in 2024 Social Security is $1.3T in 2024 We must cut spending, while still growing. Tax collection cannot solve this problem.
#debt

[Crack Finance @crackfinance01]

Myth: It's the worst it ever was. Myth: The US is an empire, taking advantage of the world. The US led order started after WW2, and world poverty accelerate its drop. Be careful of haters and their agenda. There is good being done.
#Poverty #GDP

[Crack Finance @crackfinance01]

There's a reason why the Midwest is the hottest rental market right now👇
#RENT #USA

[Crack Finance @crackfinance01]

Traditionally there is a "spread" between mortgage rates and 10 year Treasuries (US debt). It's been 150-200 basis points (bps) before 2022, but uncertainty caused it to go up to 300 bps. Rates are finally starting to settle. Lower rates ahead.
#mortgages #debt #Trending

[Crack Finance @crackfinance01]

Back in May 2024, Jerome Powell (Federal Reserve), referenced a slowing "Indeed Job Posting Index" and yet it has stopped going down. Is this the mythical "soft landing"?
#JobOpening #jobpostings

[Crack Finance @crackfinance01]

Stock Market (S&P 500) earnings (EPS) are still tied to valuation (P/E) in 2024. Optimism, but not full speculation. Although valuation needs a breather 😮‍💨 this march up can continue.

[Crack Finance @crackfinance01]

Traditionally, rents slow 2nd half of the year and fall off a cliff in quarter 4. No matter when a lease is signed, we have it end Feb 28/29 to July 31. Seasonality was suppressed for a while, but it's coming back.
#RENT #Trending

[Crack Finance @crackfinance01]

How does a housing crash happen? When only 1.7% of homeowners, are "underwater", negative equity, and most are building more equity?
#equity #StockMarket #InvestmentOpportunity

[Crack Finance @crackfinance01]

If you don't know where to start investing, buy an Index Fund that tracks the S&P 500
If you start at 25 and invest $100 a week in an S&P 500 index fund like $VOO (which historically earns 10% per year on average) when you're 60,you should have $1.3 million
#InvestmentOpportunity

[Crack Finance @crackfinance01]

The S&P 500 has its best week of 2024, up +4%.

The NASDAQ has its best week of 2024, up +6%.

The Stock Market is up $1.8 Trillion in value this week.

#StockMarket

[Crack Finance @crackfinance01]

S&P 500: WORST WEEK SINCE MARCH 2023

#investing #viralvideo

[Crack Finance @crackfinance01]

You see the BMW but not the $80,000 car loan.

You see the trip to Bali but not the $20,000 credit debt.

You see the designer clothes but not the $0 Roth IRA.

Social media is an illusion. Don't be fooled by everything you see

[Crack Finance @crackfinance01]

People who locked in 3% mortgages for 30 years:

[Crack Finance @crackfinance01]

#Investment #investing #finance

[Crack Finance @crackfinance01]

The stock market crashed 90% in 1929
The stock market crashed 50% in 1973
The stock market crashed 35% in 1987
The stock market crashed 55% in 2008
The stock market crashed 35% in 2020
And it recovered to new highs each and every time.
#stockmarketcrash #StockMarket #stock

[Crack Finance @crackfinance01]

Kobe Bryant turned $6 million into $400 million.
He invested $6 million in a sports drink called Body Armor.
7 years later, Coca-Cola bought Body Armor at an $8 Billion valuation.
A 6,500% return!
#Investment

[Crack Finance @crackfinance01]

People don't quit jobs, they quit:
1. Low pay
2. Bad leadership
3. Micro-managers
4. Toxic workplaces
5. Zero work-life balance
It’s okay to quit jobs that don’t serve you.

[Crack Finance @crackfinance01]

The S&P 500 has erased $1.8 Trillion in the first week of September.
It's the market's worst week all year.
@kalshi_official now predicts a 79% chance of a 0.25% rate cut in September.
And a 32% chance of a rate cut over 0.25%.
How much do you think the Fed drops interest rates?

[Crack Finance @crackfinance01]

My credit score dropped when I paid off my car, when I paid off my student loans.
The system punishes you for not owing money.
Credit agencies told me to take on more debt to increase my credit score.
They want you in debt.
Credit scoring is one of the worst scams.

[Crack Finance @crackfinance01]

The Roth IRA limit is $7,000 for 2024.
That's only $135 a week.
If you invest $135 a week in an S&P 500 index fund for 30 years, you'll only spend $210,000 of your own money.
But at retirement, you should have $1.3 Million tax-free.
That’s the power of compound interest.