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SHE IS ON TELE GRAM.

@Serenwintersun

In a field as rapidly evolving as cryptocurrency, staying updated is crucial. Seren’s continual research and adaptation to the latest market changes have been instrumental in helping me make informed decisions.

Always backup your trading with a good strategy.

Nice, I was just hoding before I found Wintersun. In my opinion she is the very best out there.

I have a discord channel where I talk with people and answer questions at no charge. Of course you are always free to give a supper chat donation if you want, but not required. I want to grow a group of people that want to better their lives and their family and communities. Discord Link: discord.gg/TpcxEGVrY3

First it depends on time horizon and risk tolerance. Less than 5 years then CDs and high yield savings. If I do not need something for ~10+ years I invest mostly in S&P500 (10-11% average return). I take advantage of 401k ($23,000) and IRA ($7,000) for tax advantaged investing where possible. When I had higher interest debt (5+%) I took the money and paid off the debt. All investments carry risk and can lose value. Past performance does not guarantee future performance.

I also stay away from crypto, but similar rules apply keep investments into individual items/stocks limited to 5% and diversify across sectors. Crypto is very volatile and can go up or down very fast.

Thank you, I have looked at large pools of data and the main conclusion I have found it that around 90% of people that try to beat the S&P500 fail to do so. Keeping it simple and dollar cost averaging removes the guess work out and results in consistent long term investing that is more important for most people than spending a lot of time trying to time the next hot stock. I would rather use that energy to develop additional skills that rapidly increase my income which I use to invest more. All investments carry risk and can lose value. Past performance does not guarantee future performance.

Welcome aboard!

Thank you, I make these with my family in mind. I have a lot of content to help my daughter see what is possible even if something happens to me before I get the chance to teach her. I grew up very poor and was blessed to figure this stuff out over many years of trial and error when I first started.

The economy is not the same as the stock market as the two can move in different directions. An example is a company can lay off thousands of employees to reduce cost and the company stock moves up as they cut costs to increase profits. I am staying invested as this is a possibility especially if money printing, stimulus checks, and/or low interest rates are used to grow GDP faster than the debt. Another cause could be the world to stop using US Dollars as the reserve currency. Just a few potential causes.

Thank you, I appreciate it.

It was an autogenerated thumbnail and I will say not the best look.

I still think it will start by mid 2025, unless the data changes.

@@financial_freedom101 I would be very glad if you would make a video about the application of Gold during challenging times like these! I hope you read this.

Thank you for watching and the kind words.

The stock market and the economy are not the same thing. This is how a business can layoff a bunch of people and the stock can actually go up at the same time since the business cut costs and increased profit margins as one example. Stocks are forward looking and economic data is backward looking. The purchasing of Put Options protect from downside risk while allowing movement up. The other growing risk is large amounts of government debt and lower interest rates can result in higher inflation rates which can increase asset prices. Also think about if relief checks are given to most people what do they do with them? They buy goods which are sold by businesses (stocks). I held through 2020 when people panicked and bought $4,000 per month in more stock while selling calls on the downside and buying a triple leveraged inverse SP500 so $10 shares went to over $130 per share when I sold. The SP500 then recovered and never had to sell any of it. When you have money the number one rule is do not lose it, number two is grow it.

@@financial_freedom101 So stocks go up during a recession? No, they don't. A hedge is a hedge. Put your money where your mouth is, sell your shit, go all in on puts. If you wanna give bland, run of the mill financial advice, just say "buy spy." but you aint doing that, you're saying theres gonna be a rescission. If you really believed that, you'd sell everything.

The busts do suck, but capitalism has performed better at raising the standard of living compared to other economic systems. That can be seen in the past between east and west Germany or north and south Korea as examples of a split of a single country with the same people and dramatic differences under the two different systems. Shortages and starvation in communism / socialism based countries and abundance in the capitalism based countries. Both systems result in uneven distribution think party affiliation vs productivity.

Much appreciated!

We are not in a recession which is why I say 2025 recession risk not 2024.

Odd question, Christian and a friend to people of many different faiths and nationalities. My friends and I laughed at our wedding when we realized my groomsmen were 1 Muslim, 1 Catholic, 1 Protestant, and 1 Atheist with one being Egyptian, another Polish, and the other two American citizens because the priest was asking some questions. I also have a lot of friends that practice Hinduism. We all are good friends and find that there are a lot of overlapping core messages across most religions. For example, there is almost always some version of the "Golden Rule" of be nice to others or do unto others what you would want them to do unto you.

@@financial_freedom101 I only asked bc I had the feeling you were one of the two which ig you're saying that I was right. And nice! having all those friends from different backgrounds is great and what an opportunity to share the gospel with them. Most religions do have some good about them but Jesus says that the only way to the Father is through Him!

Think of all the problems of your neighbors and offer potential solutions in the form of a business. It depends on what you enjoy doing. If you like to work with your hands vehicle repairs or home repairs. I would go back and learn HVAC install/repairs as every home has them and the work is necessary, cannot be outsourced overseas and certifies you in HVAC/plumbing/and electrical. If you enjoy working outside start cutting grass and landscaping if you want to start a business there.

I agree inflation will likely increase in 12-18 months due to Fed stimulus (low interest/increase money supply/asset purchasing). I would say rate cuts occur prior to a recession as economic data moves in the negative direction and the FED reduces rates as soon as they see the signs a few months before the official recession would start similar to the data we are starting to see now.

Thanks for watching!

Awesome, thank you!

When I buy puts I will disclose it. I am leaning towards buying in late Dec or early Jan for around 1 year.

Glad you enjoyed it!

As the economy is not the stock market are you saying a boom in manufacturing and jobs or a boom in stocks? I see continuing potential increases in stocks with inflation reigniting and pumping up asset prices while wage gains/jobs/manufacturing may not be as strong.

@@financial_freedom101 I highly doubt we are going to be seeing any wage increases. The model I developed lined up different economic periods with different presidential administrations (and that was not part of its training). What I believe will happen is going to be more of a change in market sentiment as energy prices come down. More positive market sentiment will ultimately create a trend of more economic activity. As long as interest rates stay under control and Powell doesn't make the same mistakes again, we shouldn't see inflation increase rapidly. It will be similar to 2018-2019. Fortunately, the leadership we are going to have this time around are going to be stronger people who hopefully can contain their emotions. Also, I'm not sure what you mean with the stock market thing. The stock market in America is just a casino for financially illiterate people. Most of the stocks people think are going up are 10 and 20 times overpriced because they are part of a major index that people just buy regularly and the ETF's that track those indices are required to buy them as well. The stock market is no indicator of our economy at all.

So when America got into trouble with the depression FDR.... what did he do? Less or more govt jobs... Just asking because I think in 2 or 3 years we are in that or even a worse situation. Don't be so quick to bash the Govt jobs you might need one to survive. Now can we be more effieicent of course. But that time has passed. We are way past saving what we call the American financial system. There is no one walking the face of the earth that saves us from what comes next. People need to start getting ready. Stack food and water... pay down all your debt as fast as you can.

$35k is very low for an engineer as starting in 2010 I was already at $66k annual salary in chemical engineering in an entry level position. I would suggest looking for opportunities to learn new skills at work and outside work. Also look at applying to other jobs. I would also suggest using proper grammar and spelling when communicating with others. Working in construction also typically pays over $50k with only a high school diploma.

Thank you

Thank you and have a great day.

Now I see it, never realized we have similar looks especially wearing similar glasses.

😂😂

Welcome aboard! Thank you for watching and I will keep delivering economic updates as they become available. I also have practical information on starting businesses and investing.

Thank you for acknowledging those are my goals.