Here's how long a 30 year mortgage takes to pay off:
– No extra payments = 30 years
– 1 extra payment each year = 25 years
– 2 extra payments each year = 21 years
– 3 extra payments each year = 18 years
– 6 extra payments each year = 13 years
– 12 extra payments each year = 8 years
Boss: “We’ll also give you a 95% raise—just don’t leave!”
Employee: “Sorry, it’s too late now.”
Lesson for Leaders:
Employees don’t leave only because of money—they leave when they feel undervalued or unappreciated.
Retaining good employees isn’t just about increasing their pay; it requires recognition, growth opportunities, and proactive leadership.
Take care of your best employees— before they decide to leave you.
When an empire runs out of its own money, it is able to increase the supply of money. However, printing more money causes borrowing to increase creating a financial bubble. I urge you to watch “Principles for Dealing with the Changing World Order” on my YouTube channel in the comments below to understand how, and what it means for all of us.
A 30-year fixed mortgage is basically a long-dated call option on inflation.
You borrow dollars today, lock the rate, and repay in nominal terms.
If inflation explodes, your debt evaporates in real terms while your house price soars.
You’re long the house, short the dollar.
Rising oil prices won't cause higher inflation. More expensive oil means Americans will have less money to spend on other things. Reduced spending will cause a recession, which will result in larger budget deficits, rate cuts, and QE. That's what will cause higher inflation.