Andrew Lokenauth

I write trusted by 100,000 to get smarter with money, investing, geopolitics & the economy.

20yrs in finance—Follow for daily posts.

[Andrew Lokenauth @FluentInFinance]

https://t.co/Sj6x438oNc

[Andrew Lokenauth @FluentInFinance]

@SadhguruJV People spend thousands trying to improve sleep, focus, stress, and energy. Yoga has been teaching those basics for thousands of years.

[Andrew Lokenauth @FluentInFinance]

@pete_rizzo_ We’re entering an era where adaptability matters more than credentials.

The people who learn fastest will outperform the people with the best resumes.

[Andrew Lokenauth @FluentInFinance]

Alphabet may be the best-positioned AI stock for the next 5 years.

Not because it has Gemini. But because it has the cash machine to fund Gemini.

Google Search prints money. YouTube prints money. Android gives it distribution. Google Cloud gives it enterprise customers. TPUs give it custom AI chips.

Now Alphabet plans to spend around $180B to $190B on AI infrastructure in 2026.

Google is no longer just an ad business. It’s becoming an AI infrastructure company with a search monopoly.

AI is expensive. Data centers are expensive. Chips are expensive. Power is expensive.

The winners in AI won’t just build models. They’ll own distribution, data, compute, and cash flow.

Alphabet has all four.

[Andrew Lokenauth @FluentInFinance]

@theo I think the next AI war is not intelligence. It's intelligence per dollar.

The model that gives users the most value for the least cost will end up winning.

[Andrew Lokenauth @FluentInFinance]

@CNN Your kids won't remember your net worth.

Your friends won't remember your job title.

People remember how you made them feel.

That's the part of life worth investing in.

[Andrew Lokenauth @FluentInFinance]

JUST IN: The first human trial of "reverse-aging" drugs has started.

Life Biosciences dosed the first patients with ER-100, a drug built to make damaged eye cells act younger.

The method is called cellular reprogramming. If it works, the idea moves beyond the eye. Liver disease. Nerve damage. Brain decline.

Longevity pulled in $8.5 billion in 2024 alone. The market's headed for $314 billion by 2030.

And Billionaires have already moved: Bezos put $3 billion into Altos Labs. Sam Altman dropped $180 million into Retro Biosciences. Eli Lilly joined a $435 million round for another reprogramming startup.

The richest men alive see this as the next trillion-dollar industry.

[Andrew Lokenauth @FluentInFinance]

Iran: Hormuz is closed.

US: Hormuz is open.

The stock market on Monday:

[Andrew Lokenauth @FluentInFinance]

Most people don’t have an opportunity problem. They have a priority problem.

$100 invested in a Roth IRA. “Too risky.”
$100 on dinner & drinks. “Worth it.”

$30 for a book. “Not worth it.”
$30 for food delivery. “No problem.”

2 hours learning a skill. “No time.”
2 hours scrolling social media. “Just one more video.”

Your priorities are building your future right now.

[Andrew Lokenauth @FluentInFinance]

A lot of people think they’re bad with money.

I don’t think that’s true.

Look at the basics:

2000:
Median home: $120K
New car: $20K
Rent: $600
Coffee: $3

2026:
Median home: $429K
Nee car: $50K
Rent: $2,000
Coffee: $9

[Andrew Lokenauth @FluentInFinance]

Your 20s & 30s are the most important decades for your money.

20 years old investing $7.5K/year into Roth IRA at S&P 500’s average return:
- Total cash contributed at 50: $233K
- Total balance at 50: $1.36M

40 years old investing $7.5K/year into Roth IRA at S&P 500’s average return:
- Total cash contributed by 50: $83K
- Total balance at 50: $139K

Starting 20 years earlier adds $1.23M more.

That’s the power of time.

[Andrew Lokenauth @FluentInFinance]

Most of us know what will happen next.

[Kalshi @Kalshi]

JUST IN: AI stocks now represent 39% of the S&P 500

[Andrew Lokenauth @FluentInFinance]

JUST IN: A record high 25.2 million young adults now live with their parents.

That’s 1 in 3 Americans under 35.

[Andrew Lokenauth @FluentInFinance]

JUST IN: Student loan defaults just hit 9.2 million.

That’s 1 in 5 borrowers.

Look at the speed: 6 million last August. 7.7 million by December. 9.2 million by April.

And almost 3 million more borrowers are at least 90 days behind.

This is probably not the peak. The payment pause ended. Collections restarted. Wage garnishment is back.

And millions of borrowers are being pushed back into repayment while rent, groceries, insurance, and basic living costs are higher than ever.

Once student loans became federally backed, colleges lost all incentive to keep prices down. They increased tuition 500% over the decades.

Tuition rose. Debt rose. Servicers got paid. Schools got paid. Borrowers carried the risk.

Now millions are stuck with degrees that may never earn enough to clear the debt they took on.

We are watching one of the biggest household debt crises of our time.

[Andrew Lokenauth @FluentInFinance]

Okay now abolish the 5 day work week.

[unusual_whales @unusual_whales]

BREAKING: Mexico amends its constitution to cut the maximum workweek from 48 to 40 hours by 2030 and gives 13.5 million workers the legal right to ignore their boss’s calls, messages, and emails after their shift ends

[Andrew Lokenauth @FluentInFinance]

$23,000 in Sandisk 1 year ago is around $1 million today.

[Andrew Lokenauth @FluentInFinance]

@SystemSunday 52 systems in 52 weeks is genius because of the constraint. You can't build 10 systems at once. One per week forces focus. And focus is what makes change stick. This is how habits actually form.

Congrats on the launch Ben!

[Andrew Lokenauth @FluentInFinance]

@Kalshi I think prediction markets will become a dashboard for the economy. Inflation odds. Rate odds. Recession odds. Every major broker in North America will offer them eventually.

[Andrew Lokenauth @FluentInFinance]

JUST IN: For the first time in US history, the federal government is threatening to withhold funding for unemployment insurance.

Letters were sent to governors in all 50 states and US territories.

Acting Labor Secretary Keith Sonderling says states must crack down on unemployment fraud or risk losing administrative funds.

Almost 2 million Americans are currently receiving unemployment benefits.

About 226,000 people filed new jobless claims last week.

[Andrew Lokenauth @FluentInFinance]

@kai_brokering This turns the computer into a team member. Give it a goal, a budget, a deadline, and rules.

Then judge the output instead of managing each move.

[Andrew Lokenauth @FluentInFinance]

For 14 years, the Fed told markets exactly where rates were headed.

That ended today.

The Fed will give investors fewer clues about future interest-rate decisions.

Fed Chair Kevin Warsh says the Fed has dropped forward guidance.