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Author: Jing Pan

  • US Treasury Secretary Scott Bessent says the American dream isn’t ‘let them eat flat-screens’ or ‘cheap baubles from China’ — says Trump is focused on mortgages, cars, real wage gains

    US Treasury Secretary Scott Bessent says the American dream isn’t ‘let them eat flat-screens’ or ‘cheap baubles from China’ — says Trump is focused on mortgages, cars, real wage gains

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    In a stunning reversal of policy, President Donald Trump slashed “Liberation day” tariffs on China from 145% to 30% for 90 days as of May 14.

    The landmark agreement between the world’s two largest economies has gained traction — erasing the stock market’s losses in the wake of “Liberation day” tariffs in early April.

    While negotiations are still ongoing, U.S. Treasury Secretary Scott Bessent said that the goal is to drive strategic decoupling between the two superpowers.

    “We do not want a generalized decoupling from China,” Bessent said during an interview with CNBC.

    “But what we do want is a decoupling for strategic necessities, which we were unable to obtain during Covid and we realized that efficient supply chains were not resilient supply chains.”

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    However, industry-specific tariffs remain in place. This is part of Trump’s greater push to revive the country’s manufacturing sector.

    “We are going to create our own steel. [Tariffs] protect our steel industry. They work on critical medicines, on semiconductors,” Bessent said “We are doing that, and the reciprocal tariffs have nothing to do with the specific-industry tariffs.”

    But affordability remains one of the biggest concerns for Americans. The average tariff rate on imports stands at 17.8% — the highest since 1934. This is expected to cost median households in the U.S. approximately $2,800, according to a recent Yale Budget Lab report.

    However, Bessent argues that affordability isn’t just about cheap imports — it’s about ensuring Americans can build real financial security.

    “What I’m saying is the American dream is not ‘let them eat flat screens,’” Bessent noted during an appearance on NBC’s Meet the Press.

    “If American families aren’t able to afford a home, don’t believe that their children will do better than they are [doing], the American dream is not contingent on cheap baubles from China, it is more than that. And we are focused on affordability, but it’s mortgages, it’s cars, it’s real wage gains.”

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Housing affordability remains a pressing issue

    Bessent’s remarks highlight one of the most pressing financial issues for Americans today: the soaring cost of homeownership.

    Over the last decade, U.S. home prices have surged, with the S&P CoreLogic Case-Shiller U.S. National Home Price Index nearly doubling. Federal Reserve Chair Jerome Powell has acknowledged the severity of the problem, pointing to supply constraints as a key driver.

    “The real issue with housing is that we have had, and are on track to continue to have, not enough housing,” Powell said at a press conference in September. He explained that “all aspects of housing” face challenges, including the zoning of land in desirable locations.

    “Where are we going to get the supply?” he asked.

    The gap between supply and demand is significant. An analysis by Zillow in June estimated the U.S. housing shortage at 4.5 million homes as of 2022.

    There’s also the issue of high mortgage rates, which stand at around 6.67%, meaning borrowing money to buy a home remains expensive.

    If you’re in the market for a home, Freddie Mac recommends shopping around by obtaining quotes from three to five lenders to secure the best mortgage rate possible. Even a small rate reduction can translate into significant savings over the life of a loan.

    To make this process easier, platforms like the Mortgage Research Center (MRC) can help you quickly compare rates and estimated monthly payments from multiple vetted lenders. By entering basic details — such as your zip code, property type, price range and annual income — you can view mortgage offers tailored to your needs and shop with confidence.

    Rising cost of car ownership

    Bessent also pointed to cars as part of America’s affordability issue. Even though pandemic-induced supply chain disruptions and chip shortages have eased, the cost of owning a car remains high.

    According to the American Automobile Association (AAA), the total cost of owning and operating a new vehicle in 2024 has climbed to around $12,297 per year — or $1,024.71 per month.

    One major recurring expense is car insurance, and many people overpay without realizing it. According to Forbes, the national average cost for full-coverage car insurance in 2024 was $2,149 per year (or $179 per month). However, rates can vary widely depending on your state, driving history and vehicle type.

    By using OfficialCarInsurance.com, you can easily compare quotes from multiple insurers, such as Progressive, Allstate and GEICO, to ensure you’re getting the best deal.

    In just two minutes, you could find rates as low as $29 per month.

    Find additional sources of capital

    With home values higher than ever, you can make your home work harder for you by making the most of your equity. The average homeowner sits on roughly $311,000 in equity as of the third quarter of 2024, according to CoreLogic.

    Having access to your home equity could help to cover unexpected expenses, pay substantial debt, fund a major purchase like a home renovation or supplement income from your retirement nest egg.

    Rates on HELOCs and home equity loans are typically lower than APRs on credit cards and personal loans, making it an appealing option for homeowners with substantial equity.

    Unlock great low rates in minutes by shopping around. You can compare real loan rates offered by different lenders side-by-side through LendingTree.

    Just answer a few simple questions, and LendingTree will match you with up to 5 lenders 1 with low rates today.

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in great wealth. How to get in now

    Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in great wealth. How to get in now

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    In light of President Donald Trump’s sweeping tariffs and the uncertainty surrounding them, many experts are warning that America may be headed for a recession. But according to Rich Dad Poor Dad author Robert Kiyosaki, something far worse is looming.

    “In 2025 credit card debt is at all time highs. U.S. debt is at all time highs. Unemployment is rising. 401(k)’s are losing,” he wrote in an X post on April 18. “U.S.A. may be heading for a GREATER DEPRESSION.”

    According to the Federal Reserve Bank of New York, Americans now owe a record $1.21 trillion on their credit cards. The U.S. National debt has climbed to $36.22 trillion. Meanwhile, the unemployment rate ticked up to 4.2% in March, and retirees are watching their 401(k)s shrink amid ongoing market volatility.

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    The Great Depression of the 1930s was the worst economic crisis in modern history — marked by mass unemployment, widespread poverty and a collapse in consumer and business confidence. But by calling the next downturn a “Greater Depression,” Kiyosaki suggests it could be even more devastating.

    As he put it, “This coming Great Depression will cause millions to be poor … and a few who take action, may enjoy great wealth and freedom.”

    So, what kind of action is he recommending?

    “For those who take action today, when the crash crashes, those who invest in just one Bitcoin, or some gold, or silver … You may come through this crisis a very rich person,” Kiyosaki wrote.

    That advice should come as no surprise — Kiyosaki has long been a vocal proponent of these alternative assets, which he backed by making a bold prediction.

    “I strongly believe, by 2035, that one Bitcoin will be over $1 million. Gold will be $30K and silver $3,000 a coin,” he wrote.

    Let’s take a closer look at the assets he’s championing.

    Precious metals

    Kiyosaki’s endorsement of gold and silver is nothing new — he’s been advocating for precious metals for decades.

    Back in October 2023, he wrote on X: “Gold will soon break through $2,100 and then take off. You will wish you had bought gold below $2,000. Next stop, gold $3,700.”

    Gold prices surged in 2024 and have continued to climb through 2025, now trading around $3,300 per ounce.

    Gold has long been viewed as a safe haven. It’s not tied to any one country, currency or economy. It can’t be printed out of thin air like fiat money, and in times of economic turmoil or geopolitical uncertainty, investors tend to pile in — driving up its value.

    Ray Dalio, founder Bridgewater Associates — the world’s largest hedge fund — told CNBC in February: “People don’t have, typically, an adequate amount of gold in their portfolio,” adding that, “when bad times come, gold is a very effective diversifier.”

    For those looking to capitalize on gold’s potential while also securing tax advantages, one option is opening a gold IRA with the help of Thor Metals.

    Gold IRAs allow you to invest in gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those seeking to ensure their retirement funds are well-shielded against economic uncertainties.

    When you make a qualifying purchase with Thor Metals, you can receive up to $20,000 in precious metals for free.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Real estate — revisited

    “Your house is not an asset” Kiyosaki once said during an interview with finance YouTuber Sharan Hegde in September 2023. “What is the definition of the word? If it puts money in my pocket, it’s an asset. If my house is taking money from my pocket, it’s a liability.”

    His point being that owning the home you live in often takes money out of your pocket in the form of mortgage payments, utilities, taxes and maintenance costs. Rental properties, however, are a different story.

    According to the Rich Dad website, rental properties can generate significant, regular cash flow when purchased and managed wisely. Additionally, increases in rents and property values over time can create “an important supplementary revenue stream.” While all investments carry some risk, cash-flowing properties are “generally less subject to the daily ups and downs” of the market.

    Today, you don’t need to be as wealthy as Kiyosaki to get started in real estate investing. Crowdfunding platforms like Arrived offer an easy way to get exposure to this income-generating asset class.

    With Arrived, you can invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving rental income deposits from your investment.

    Bitcoin

    Bitcoin has been one of the top-performing assets of the past decade — and Kiyosaki is betting it still has room to run.

    On Nov. 29, he predicted on X: “Bitcoin will soon break $100,000.” On Dec. 4, the cryptocurrency surpassed that milestone, grabbing headlines worldwide.

    Although Bitcoin has since dipped below $100,000, Kiyosaki’s long-term forecast remains ambitious: $1 million per coin by 2035.

    He’s not alone in that view. Twitter co-founder Jack Dorsey said in an interview with Pirate Wires published in May 2024 that Bitcoin could hit “at least” $1 million by 2030 — and possibly go even higher.

    For those looking to hop on the bitcoin bandwagon, new crypto platforms have made it easier for everyday investors.

    For instance, Gemini is a full-reserve and regulated cryptocurrency exchange and custodian, which allows users to buy, sell and stores bitcoin and 70 other cryptocurrencies.

    You can place instant, recurring and limit buys on our growing and vetted list of available cryptos.

    But if you’re not ready to buy just yet, you can still invest in crypto with their Gemini credit card.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Ultra-rich Americans are pouring cash into this 1 ‘safer, less volatile’ asset class instead of stocks — and believe there’s ‘no bad time’ to buy it. Do you own any?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    With the stock market on a rollercoaster ride, recession warnings piling up and interest rates still elevated, you might expect Americans to hold off on big-ticket purchases. But for the ultra-wealthy, there’s one thing they’re still snapping up, even amid the chaos: luxury real estate.

    According to a new Wall Street Journal report, the number of U.S. homes sold for $10 million or more has surged in major markets since February.

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    In Palm Beach, Florida, the number of $10 million-plus home sales jumped 50% between February 1 and May 1 compared to a year earlier. In Aspen, Colorado — a luxury ski destination — sales climbed by 43.75%. Los Angeles County followed with a 29% increase, while Manhattan saw a 21% uptick.

    For some, it’s a way to sidestep market volatility and preserve purchasing power.

    “The chance of taking a hit in the stock market is a bit too high for the reward, especially when we consider inflation,” said applied mathematician-turned-entrepreneur Dan Herbatschek. “Real estate is safer, less volatile.”

    When inflation rises, property values often follow, driven by the increased costs of materials, labor and land. Rental income tends to rise as well, offering landlords a revenue stream that adjusts with inflation.

    Herbatschek recently signed a contract to purchase a $12.25 million five-bedroom condo in New York City’s Upper East Side for his family, and he’s also acquiring three investment properties priced between $2 million and $5.5 million.

    Meanwhile, billionaire manufacturing executive David MacNeil has been expanding his footprint in Manalapan, Florida. In March, he signed a contract to buy a $55.5 million property next to a site he already owns — bringing his total real estate spending in Manalapan to a staggering $94 million over the past year.

    And he’s unapologetic about the price tag.

    “There’s really no bad time to buy great properties,” MacNeil remarked. “No one ever regretted buying the very best, whether it is a premium collector car or a piece of premium real estate. Scared money chases bargains, and smart money chases excellence.”

    How to invest in real estate — even without millions

    To be sure, real estate isn’t just for the ultra-wealthy. Regular Americans can benefit from it, too — just ask homeowners.

    Over the past five years, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index has jumped by more than 50%, reflecting strong demand and limited housing supply.

    Of course, purchasing a property requires significant capital — and finding the right tenant takes time and effort. But thanks to new investment platforms like Arrived, you don’t need to own a property outright to gain exposure to real estate.

    With Arrived, you can invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving rental income deposits from your investment.

    Another option is Homeshares, which gives accredited investors access to the $36 trillion U.S. home equity market — a space that’s historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Warren Buffett’s advice

    While real estate clearly appeals to the ultra-wealthy, that doesn’t mean stocks are off the table.

    Take car dealership owner Todd Green, who recently bought a $17.8 million slopeside vacation home in Vail, Colorado. Despite the market’s ups and downs, he’s still heavily invested in stocks — and unfazed by short-term volatility.

    “It’s like Warren Buffett always said: If you’re thinking about the stock market over a period of a day or a week, you shouldn’t be in it,” he remarked. “I don’t plan on ever selling my stocks, so this is a little blip on the radar.”

    Buffett has long championed the power of long-term investing — especially through one strategy that doesn’t require stock-picking skills or market timing.

    “In my view, for most people, the best thing to do is own the S&P 500 index fund,” Buffett famously stated.

    This approach gives investors exposure to 500 of America’s largest companies across a wide range of industries, providing instant diversification without the need for constant monitoring or active management.

    Buffett’s belief in this strategy runs so deep, he’s built it into his own estate plan — directing that 90% of his wife’s inheritance will be invested in “a very low-cost S&P 500 index fund” after his passing.

    The beauty of this approach is its accessibility — anyone, regardless of wealth, can take advantage of it. Even small amounts can grow over time with tools like Acorns, a popular app that automatically invests your spare change.

    Signing up for Acorns takes just minutes: link your cards, and Acorns will round up each purchase to the nearest dollar, investing the difference — your spare change — into a diversified portfolio. With Acorns, you can invest in an S&P 500 ETF with as little as $5 — and, if you sign up today, Acorns will add a $20 bonus to help you begin your investment journey.

    What to read next

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • This San Francisco man purchased 1 small Costco product in April of 2024 — then resold it for a $600 profit only 11 months later. Here’s what he bought and how to mimic his savvy move

    This San Francisco man purchased 1 small Costco product in April of 2024 — then resold it for a $600 profit only 11 months later. Here’s what he bought and how to mimic his savvy move

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Everyone knows Costco is a great place to stock up — whether you’re in the mood for a giant cheesecake or a kayak you didn’t plan to buy. But did you know the warehouse giant could also be a surprising stop for investors?

    Just ask personal finance influencer Humphrey Yang.

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    In April 2024, Yang purchased a one-ounce gold bar from Costco for $2,359.99. This past March, he walked into a gold dealership in San Francisco and filmed the moment he sold it for cash.

    “Right now, we’re paying $2,955.42 [per ounce],” an employee told him.

    With the spot price for an ounce of gold hovering around $3,020 at the time, Yang agreed to the deal — noting the price was reasonable given dealers typically buy slightly below market value.

    Moments later, Yang walked out with a stack of bills and a simple takeaway.

    “That was surprisingly easy,” he said. “$2,955 — that means I made a profit of $596 over the past 11 months or so.” The exact amount was $595.43.

    Gold prices have been surging recently. Since Yang sold his gold bar, the price has increased to approximately $3,300 per ounce. Goldman Sachs has raised its year-end forecast for gold from $3,300 to $3,700 — with a projected range of $3,650 to $3,950 — according to multiple news outlets.

    Why gold still shines in 2025

    Gold has long served as a store of value — and that hasn’t changed. Unlike fiat currencies, the glittering metal can’t be printed at will by central banks, making it a powerful hedge against inflation and monetary instability.

    It’s also long been viewed as the ultimate safe haven. Gold isn’t tied to any one country, currency or economy, and in times of economic turmoil or geopolitical uncertainty, investors tend to pile in — driving up its value.

    That may help explain why, while markets are getting whipsawed by tariff uncertainty and global tensions, gold has emerged as a bright spot. Over the past 12 months, the price of the precious metal has surged by more than 40%.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, recently highlighted gold’s role in a resilient portfolio.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” Dalio told CNBC in February. “When bad times come, gold is a very effective diversifier.”

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Thor Metals.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.

    To learn more, you can get a free information guide that includes details on how to get up to $20,000 in free metals on qualifying purchases.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A time-tested income play: real estate

    Gold isn’t the only asset investors turn to during inflationary times. Real estate has also proven to be a powerful hedge.

    When inflation rises, property values often increase as well, reflecting the higher costs of materials, labor and land. At the same time, rental income tends to go up, providing landlords with a revenue stream that adjusts for inflation.

    Over the past five years, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index has jumped by more than 50%, reflecting strong demand and limited housing supply.

    Of course, high home prices can make buying a home more challenging, especially with mortgage rates still elevated. And being a landlord isn’t exactly hands-off work — managing tenants, maintenance and repairs can quickly eat into your time (and returns).

    The good news? You don’t need to buy a property outright — or deal with leaky faucets — to invest in real estate today.

    One option is Homeshares, which gives access to the $30-plus trillion U.S. home equity market — a space that has historically been the exclusive playground of institutional investors. With a minimum investment of $25,000, accredited investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re not an accredited investor, crowdfunding platforms like Arrived allow you to enter the real estate market for as little as $100. Arrived offers you access to shares of SEC-qualified investments in rental homes and vacation rentals, curated and vetted for their appreciation and income potential.

    Backed by world-class investors like Jeff Bezos, Arrived makes it easy to fit these properties into your investment portfolio regardless of your income level. Their flexible investment amounts and simplified process allows accredited and non-accredited investors to take advantage of this inflation-hedging asset class without any extra work on your part.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • US experts warn ‘rogue’ devices found in Chinese solar power inverters could trigger widespread blackouts, report says — effectively a ‘built-in way’ to destroy the grid. Are you prepared?

    US experts warn ‘rogue’ devices found in Chinese solar power inverters could trigger widespread blackouts, report says — effectively a ‘built-in way’ to destroy the grid. Are you prepared?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    U.S. security experts have reportedly uncovered undocumented communication devices inside Chinese-made solar power inverters — hardware that’s widely used to support renewable energy infrastructure.

    According to a Reuters report, citing sources familiar with the matter, “rogue communication devices” that are not listed in product documents have been found in some inverters and batteries supplied by multiple Chinese manufacturers.

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    Power inverters are used to connect solar panels to electricity grids. Though inverters are designed to allow remote access for maintenance purposes, utility companies typically install firewalls to block unapproved access. But experts warned Reuters that using the rogue components to circumvent those protections and remotely shut down inverters or change their settings could potentially destabilize power grids, damage energy infrastructure and trigger widespread blackouts.

    “That effectively means there is a built-in way to physically destroy the grid,” one source told Reuters.

    A spokesperson for China’s embassy in Washington told the news service: “We oppose the generalisation of the concept of national security, distorting and smearing China’s infrastructure achievements.”

    Reuters says the U.S. Department of Energy acknowledged there were challenges with manufacturers disclosing and documenting functionalities of emerging technologies. A spokesperson also noted, “while this functionality may not have malicious intent, it is critical for those procuring to have a full understanding of the capabilities of the products received.”

    The news service says both sources declined to name the manufacturers of the inverters and batteries with the extra components, and would not say how many they had found.

    The idea that a foreign-made component — quietly embedded in clean energy infrastructure — could one day be used to disrupt the U.S. power grid may sound like science fiction. But it can be a real threat to security experts.

    Individuals may be left wondering what they can do to prepare. Here are a few practical steps.

    Find a backup power source

    The best way to minimize the impact of a power outage is to have a backup power source, such as a generator.

    You probably won’t be able to power the entire house on a backup generator, but it should allow you to run some essential appliances — such as a fridge — when the grid is down.

    Of course, generators are big-ticket items and not every household is willing to invest in one. If you just want to charge electronic devices such as smartphones, tablets and laptops, you can get a power bank. Power banks store energy and come in different capacities. The bigger the capacity, the more charges it can provide.

    Build a blackout-ready supply stash

    The Federal Emergency Management Agency (FEMA) has previously recommended gathering enough essentials to sustain your household for at least 72 hours. That includes food, water, flashlights, batteries and any necessary medications.

    Without electricity, your refrigerator won’t keep food cold for long. Freezers can preserve food a bit longer, but in a prolonged blackout, spoilage is likely. To stay prepared, stock your pantry with non-perishable items that require little to no preparation. Canned goods like beans, vegetables and soup are reliable staples. Dried fruits, nuts, crackers, powdered milk and cereal also tend to have a reasonably long shelf life.

    You may want to get some bottled water, too, just in case something happens with the water supply during the power outage.

    Is your portfolio prepared?

    Being ready for a blackout isn’t just about flashlights and canned goods — it’s also about financial resilience. Geopolitical risks remain elevated, and markets have been anything but steady, with repeated shocks sending investors scrambling for cover.

    That’s why some investors have turned to assets deemed shockproof — investments that can hold their value, or even gain, during times of uncertainty.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, recently highlighted the role of one time-tested asset in a resilient portfolio.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” Dalio told CNBC in February. “When bad times come, gold is a very effective diversifier.”

    Long viewed as the ultimate safe haven, gold isn’t tied to any single country, currency or economy. It can’t be printed out of thin air like fiat money, and in times of economic turmoil or geopolitical uncertainty, investors tend to pile in — driving up its value.

    Over the past 12 months, gold prices have surged by more than 35%.

    For those looking to capitalize on gold’s potential while also securing tax advantages, one option is opening a gold IRA with the help of Thor Metals.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those seeking to ensure their retirement funds are well-shielded against economic uncertainties.

    When you make a qualifying purchase with Thor Metals, you can receive up to $20,000 in precious metals for free.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Real estate is another popular choice for investors looking to diversify. High-quality, income-generating properties can provide a steady stream of rental income — even when markets swing wildly.

    Of course, being a landlord comes with its own challenges. Managing tenants, maintenance and repairs can quickly add up in both time and cost. But today, you don’t need to buy an entire property — or fix a single leaky faucet — to invest in real estate.

    One option is Homeshares, which gives access to the $30-plus trillion U.S. home equity market — a space that has historically been the exclusive playground of institutional investors. With a minimum investment of $25,000, accredited investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    Another option is First National Realty Partners (FNRP), which allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Trump made 1 big move in launching America’s sovereign wealth fund — but critics say it’s ‘preposterous’ and ‘unconstitutional.’ How to invest no matter who’s right

    Trump made 1 big move in launching America’s sovereign wealth fund — but critics say it’s ‘preposterous’ and ‘unconstitutional.’ How to invest no matter who’s right

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    President Donald Trump has unveiled an ambitious vision for America’s financial future — the creation of a sovereign wealth fund that mirrors the strategies of resource-rich and oil-producing nations.

    On Feb. 3, Trump signed an executive order directing the creation of a U.S. sovereign wealth fund. The order mandates that the Secretary of the Treasury and the Secretary of Commerce develop a plan within 90 days, detailing funding mechanisms, investment strategies, fund structure and governance models.

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    “We’re going to create a lot of wealth for the fund,” Trump told reporters that day.

    While Trump has floated the idea of using “tariffs and other intelligent things” for funding, no concrete financial source has been confirmed.

    The proposal has sparked both interest and criticism. Economist Peter Schiff, once a Trump supporter, slammed the idea as “preposterous” and “unconstitutional” — warning against government interference in the market.

    Colin Graham of Robeco echoed these concerns, noting that sovereign wealth funds typically rely on national savings — something the U.S. lacks due to its $36.22 trillion national debt.

    Skeptics argue that launching a wealth fund doesn’t make sense given the country’s high debt, seeing it as a sign of misplaced financial priorities.

    While political leaders debate policy, savvy investors should stay focused on what they can control — building and safeguarding their wealth regardless of who’s in the White House.

    Here are three simple ways to get started on building your wealth.

    Others have also raised concerns about the economic feasibility of such a fund.

    “The economic rules of thumb don’t add up,” said Colin Graham, head of multiasset strategies at Robeco in London. “Creating a sovereign wealth fund suggests that a country has savings that will go up and can be allocated to this.”

    The U.S. government doesn’t have much in the way of savings — it has debt. As of this writing, the U.S. national debt stands at $36.22 trillion, raising concerns about whether a sovereign wealth fund is financially viable.

    Whether Trump’s sovereign wealth fund becomes a game-changing wealth-generating force or faces insurmountable challenges, the responsibility falls to all Americans to take control of their own financial future. While governments debate policy, savvy investors have always prioritized building and protecting wealth — regardless of political shifts or who occupies the White House. Here’s a look at three easy ways to get started.

    Warren Buffett’s No. 1 strategy for everyday investors

    When it comes to building wealth, few investors have a track record as impressive as Warren Buffett.

    From 1964 to 2023, his company, Berkshire Hathaway, grew in value by 4,384,748%. In 2024, Berkshire became the first U.S. company outside of the tech sector to surpass $1 trillion in market value.

    Despite his legendary success in picking winning companies, Buffett doesn’t believe that’s the right approach for most investors. Instead, he champions a much simpler strategy.

    “In my view, for most people, the best thing to do is own the S&P 500 index fund,” he once famously stated.

    This gives investors exposure to 500 of America’s largest companies across various industries, providing diversified exposure without the constant monitoring or active trading.

    Buffett believes so strongly in this strategy that he has instructed 90% of his wife’s inheritance to be invested in “a very low-cost S&P 500 index fund” after he dies.

    The beauty of this approach is its accessibility. It also imparts an important lesson: Small, consistent investments can make a big difference over time.

    Investment tools like Acorns take advantage of this approach by automatically investing your spare change at checkout.

    How Acorns works is simple: Link your cards and Acorns will round up each purchase to the nearest dollar, investing the difference into a diversified portfolio.

    With Acorns, you can invest in Buffett’s top pick for most investors, an S&P 500 ETF, with as little as $5. Even better, Acorns will add a $20 bonus to help you begin your investment journey.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Trump’s towering fortune: real estate as an investment tool

    Real estate has been another powerful vehicle for long-term financial growth, and it’s a strategy that Trump himself knows well.

    Long before he entered politics, Trump built his fortune through high-profile real estate ventures, from luxury developments to commercial properties. Trump is estimated to be worth $7.5 billion, including cash and assets, according to Nasdaq.

    Investors gravitate toward real estate for good reason. Well-chosen properties can generate passive income through rent while potentially appreciating in value over time.

    Additionally, real estate can serve as a hedge against inflation. When materials, labor and land costs rise, property values often follow suit. In turn, rent tends to increase, allowing landlords to offset the impact of inflation.

    The best part? These days, you don’t need to be a real estate mogul like Trump to take advantage of this strategy.

    Platforms like First National Realty Partners (FNRP) help accredited investors own part of institutional-quality, grocery-anchored properties without the hassle of finding and managing properties themselves.

    FNRP leases to national brands like Whole Foods, CVS, Kroger and Walmart, which provide essential goods to their communities. Thanks to triple net leases, investors can collect grocery store-anchored income without worrying about tenant costs cutting into the bottom line.

    Schiff’s safe haven: why gold still shines

    For investors looking to add stability to their portfolios, gold remains a time-tested option.

    The price of gold has surged more than 40% since the start of January 2024, according to Goldman Sachs. In April 2025, gold passed a record-breaking $3,000 per ounce.

    During periods of uncertainty — tariff-driven or otherwise — investors often turn to gold. The precious metal is seen as a store of value against market volatility.

    Schiff, a long-time advocate for the yellow metal, believes this is just the beginning.

    “If gold can go from $20 an ounce to $2,600 an ounce, it can go from $2,600 to $26,000, or even to $100,000. There’s no limit because, again, gold isn’t changing — it’s the value of the dollar that’s decreasing,” he predicted on “The Lead-Lag Report” in November 2024.

    If you’re bullish on gold, you can opt for a gold IRA to hedge against market volatility by investing directly in precious metals rather than stocks and bonds.

    A gold IRA is one option for building up your retirement fund with an inflation-hedging asset.

    Opening a gold IRA with the help of industry leader Goldco allows you to invest in gold and other precious metals in physical forms while also providing the significant tax advantages of an IRA.

    Goldco offers free shipping and access to a library of retirement resources. Plus, the company will match up to 10% of qualified purchases in free silver.

    If you’re curious whether this is the right investment to diversify your portfolio, you can download your free gold and silver information guide today.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘Congress is making America bankrupt,’ warns Elon Musk — blasts Trump for ‘disgusting’ bill that will burden US citizens, increase deficit to $2.5 trillion. Here’s how to protect yourself now

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Tesla CEO Elon Musk has a stark warning for Americans.

    “Congress is making America bankrupt,” he wrote in a June 3 post on X.

    The comment came as Musk reposted a chart from X account World of Statistics, showing U.S. budget deficits from 2000 to 2024 — and the numbers are sobering.

    Don’t miss

    In fiscal 2000, the federal government posted a $236 billion surplus, followed by a $128 billion surplus in 2001. (The chart didn’t distinguish between deficits and surpluses, but those two years were surpluses, according to Federal Reserve data.)

    Unfortunately, that was the last time Washington ran a budget in the black.

    By 2002, the U.S. had fallen into a $158 billion deficit — spending more than it collected in revenue. The gap only widened in the years that followed, reaching $1.29 trillion in 2010 and ballooning to $3.13 trillion in 2020.

    For fiscal 2024, the U.S. government spent $6.75 trillion while taking in $4.92 trillion, resulting in a $1.83 trillion deficit.

    Musk has long criticized excess government spending, and he recently took aim at President Donald Trump’s signature budget bill.

    “This massive, outrageous, pork-filled Congressional spending bill is a disgusting abomination,” Musk wrote on X. “Shame on those who voted for it: You know you did wrong.”

    He also warned that the bill could push the federal deficit to $2.5 trillion and saddle Americans with “crushingly unsustainable debt.”

    Will America go bankrupt?

    Years of deficit spending have added up: U.S. national debt now stands at more than $36 trillion — and continues to climb.

    Whether America can technically go bankrupt is a complicated question because the federal government cannot file for Chapter 11 bankruptcy reorganization.

    Instead, Congress would have to decide to let the federal government default on its debt, otherwise it can keep borrowing as long as there is demand from investors for government bonds.

    “Technically speaking, the government can’t go bankrupt because it only promised to hand over a certain number of dollars; it didn’t promise what the value of those dollars would be. Because the value of the dollars was never specified, the government can print enough to render the dollars nearly worthless. To the rest of us, the effect is the same as the government going bankrupt,” wrote the co-hosts of podcast Words & Numbers back in 2016.

    In other words, printing money to stay afloat has significant consequences, as inflation erodes the purchasing power of the U.S. dollar.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, echoed this concern earlier this year.

    “There won’t be a default — the central bank will come in, and we’ll print the money and buy it,” he told CNBC in February. “And that’s where there’s the depreciation of money.”

    How to protect your purchasing power

    For many Americans, the sting of inflation still lingers. Although headline CPI has eased from its 40-year peak of 9.1% in June 2022, everyday essentials — like food and housing — remain stubbornly expensive.

    While warning that U.S. debt is spiraling out of control, Dalio points to a tried-and-true safeguard: gold.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he said. “When bad times come, gold is a very effective diversifier.”

    Gold has long served as a hedge against inflation. Unlike fiat currencies, it can’t be printed in unlimited quantities by central banks — a feature that makes it especially appealing when governments ramp up spending.

    It’s also considered a classic safe haven. Because gold isn’t tied to the fate of any single country or currency, it often sees inflows during periods of economic distress or geopolitical uncertainty — pushing prices higher.

    Over the past 12 months, gold prices have surged by more than 40%.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to help shield their retirement funds against economic uncertainties.

    When you make a qualifying purchase with Priority Gold, you can receive up to $10,000 in silver for free.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    A time-tested income play

    Gold isn’t the only asset investors turn to during inflationary times. Real estate has also proven to be a powerful hedge.

    When inflation rises, property values often increase as well, reflecting the higher costs of materials, labor and land. At the same time, rental income tends to go up, providing landlords with a revenue stream that adjusts for inflation.

    Over the past five years, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index has jumped by more than 50%, reflecting strong demand and limited housing supply.

    Of course, high home prices can make buying a home more challenging, especially with mortgage rates still elevated. And being a landlord isn’t exactly hands-off work. Managing tenants, maintenance and repairs can quickly eat into your time (and returns).

    The good news? You don’t need to buy a property outright — or deal with leaky faucets — to invest in real estate today. Crowdfunding platforms like Arrived offer an easier way to get exposure to this income-generating asset class.

    Backed by world class investors like Jeff Bezos, Arrived allows you to invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: Browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving any positive rental income distributions from your investment.

    Another option is Homeshares, which gives accredited investors access to the $35 trillion U.S. home equity market — a space that’s historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • This 1 part of Florida is emerging as America’s ‘epicenter of housing weakness’ — expert warns of ‘really long’ bubble deflation. Will it spread to the rest of the US?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Bubbles don’t always burst — sometimes they deflate. But the process can still be painful, as some Florida home sellers are now discovering.

    According to a Bloomberg analysis of Redfin data, the number of contracts to buy homes in Miami, Fort Lauderdale and West Palm Beach dropped in April compared to a year ago, marking the steepest declines among the 50 largest metro areas in the U.S.

    Don’t miss

    Notably, pending sales in Miami plunged 23%, while transactions in Fort Lauderdale and West Palm Beach declined by 19% and 14%, respectively.

    According to Chen Zhao, head of economics research at Redfin, the region is clearly under pressure.

    “South Florida is the epicenter of housing market weakness in the United States,” she told Bloomberg.

    Homes are also sitting on the market much longer than elsewhere. In April, the median time to sell in West Palm Beach and Fort Lauderdale was 83 days, and 81 days in Miami — more than double the national average of 40 days.

    South Florida saw a historic run-up in prices during the pandemic, with homes routinely selling above asking price. But the tide has turned.

    In April, the median home sale price across Florida fell 3.2% year over year. And in West Palm Beach, Miami and Fort Lauderdale, nearly 5% of homes sold below asking — compared to just 0.77% nationally.

    “I think you’re seeing a really long, slow deflation of that bubble,” Zhao said in the Bloomberg analysis, reflecting on the shifting market dynamics.

    And while Florida may be feeling the pain, Zhao cautions it might not be the only state that ends up struggling: “The question for the rest of the country is, will this spread? Florida is uniquely bad right now.”

    ‘Not enough housing’

    Florida’s housing market seems to be under pressure, but that doesn’t necessarily signal a nationwide collapse. In fact, according to Redfin, the median U.S. home sale price in April was $437,864 — up 1.3% from a year earlier.

    Zoom out further, and the long-term trend remains clear: Redfin data show U.S. home prices have surged roughly 45% over the past five years.

    Affordability, however, remains a major challenge due to the imbalance between supply and demand. As Federal Reserve Chair Jerome Powell acknowledged in a press conference last year, the real issue behind America’s housing crisis is clear: “We have had, and are on track to continue to have, not enough housing.”

    A June 2024 analysis by Zillow estimates the U.S. housing shortage at 4.5 million homes — a gap that continues to support demand and rental prices in many regions.

    Meanwhile, many investors view real estate as a time-tested hedge against inflation. As the cost of materials, labor and land rises, property values often follow — and so do rents. This allows landlords to earn income that tends to keep pace with inflation.

    Of course, with today’s high home prices, elevated mortgage rates and an uncertain outlook, jumping into the market might feel daunting. But the good news is, you no longer need to buy a property outright to tap into the benefits of real estate investing.

    Crowdfunding platforms like Arrived offer an easier way to get exposure to this income-generating asset class.

    Backed by world class investors like Jeff Bezos, Arrived allows you to invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: Browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving positive rental income distributions from your investment.

    Another option is First National Realty Partners (FNRP), which allows accredited investors to diversify their portfolio through grocery-anchored commercial properties, without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Hedge against chaos

    If you’re uneasy about where the U.S. housing market — or the broader economy — is headed, you’re not alone. Warnings from top economists and investors are piling up.

    Nobel Prize–winning economist Paul Krugman has cautioned that a recession could hit the U.S. this year. Meanwhile, Ray Dalio — founder of the world’s largest hedge fund, Bridgewater Associates — recently sounded the alarm on “something worse than a recession.”

    With soaring national debt, persistent fiscal deficits and rising geopolitical tensions, it’s no surprise that markets have been on edge. So where can investors turn for shelter?

    Dalio points to a familiar safe haven: gold.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC in February. “When bad times come, gold is a very effective diversifier.”

    Long viewed as the ultimate safe haven, gold isn’t tied to any single country, currency or economy. It can’t be printed out of thin air like fiat money, and in times of economic turmoil or geopolitical uncertainty, investors tend to pile in — driving up its value.

    Hence why, over the past 12 months, gold prices have surged by more than 40%.

    One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to help shield their retirement funds against economic uncertainties.

    When you make a qualifying purchase with Priority Gold, you can receive up to $10,000 in silver for free.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Prof G claims Americans want to wear Nikes — not make them. Warns Trump’s ‘blackout drunk’ moves could cause $3,500 iPhones, fewer Christmas gifts, broken retirement dreams. Is he right?

    Prof G claims Americans want to wear Nikes — not make them. Warns Trump’s ‘blackout drunk’ moves could cause $3,500 iPhones, fewer Christmas gifts, broken retirement dreams. Is he right?

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    New York University marketing professor Scott Galloway delivered a fiery takedown of President Donald Trump’s sweeping tariffs, calling them a “blackout drunk” move that could derail the global economy.

    “It would be hard to think of a more elegant way to reduce prosperity this fast,” Galloway said during an April 11 appearance on The View.

    Taking aim at Trump’s economic nationalism, Galloway defended the logic behind outsourcing low-wage manufacturing jobs.

    Don’t miss

    “We want to wear Nikes. We don’t want to make them,” he said. “We have outsourced low-wage jobs overseas, such that we can create more profits, more investments and create higher-wage jobs.”

    But it’s not just about labor. Galloway warned that Trump’s tariffs could dramatically increase prices for everyday Americans.

    “If these tariffs hold, your iPhone is going to go from $1,000 to $2,300,” he said. “To make an iPhone in the U.S., it would cost $3,500.”

    Galloway didn’t hold back on where he thinks the blame lies: “We finally need to acknowledge, we have someone at the wheel of the global economy that is blackout drunk right now.”

    There are signals that Trump is toning down his tariff war. U.S. and Chinese officials settled on a 90-day tariff truce on May 12 that will see tariffs on some goods imported from China temporarily suspended and others lowered to 30%. However, the continued reduction in tariffs depends on continued good relations between the two superpowers.

    Preparing for bad times

    Galloway isn’t alone in his feelings — Trump’s tariffs have sparked serious warnings from some of the most powerful names in finance. Billionaire hedge fund manager Ray Dalio recently highlighted the role of one time-tested asset that could help investors brace for economic turbulence.

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC in February. “When bad times come, gold is a very effective diversifier.”

    Gold has long served as a hedge against inflation. It can’t be printed out of thin air like fiat money, and because it’s not tied to any single currency or economy, investors often flock to it during periods of economic turmoil or geopolitical uncertainty, driving up its value.

    Over the past 12 months, gold prices have surged by more than 40%.

    For those looking to capitalize on gold’s potential while also securing tax advantages, one option is opening a gold IRA with the help of Thor Metals.

    Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those seeking to ensure their retirement funds are well-shielded against economic uncertainties.

    Thor Metals offers a free gold IRA setup — and with a qualifying purchase, you could receive up to $20,000 in precious metals for free.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Earn passive income in retirement

    Real estate offers a compelling alternative for hedging against inflation — with the added benefit of generating passive income.

    As the cost of materials, labor and land rises, property values often increase as well. At the same time, rental income tends to climb, giving landlords a revenue stream that can keep pace with inflation.

    That’s why real estate is a favorite among retirement investors and those planning for long-term financial stability.

    However, owning a rental property isn’t exactly as passive as it sounds. Between finding tenants, collecting rent, covering repairs, and saving for a down payment, being a landlord takes time — and money.

    New investing platforms are making it easier than ever to tap into the real estate market.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted internal returns ranging from 12% to 18%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re not an accredited investor, crowdfunding platforms like Arrived allows you to enter the real estate market for as little as $100.

    Arrived offers you access to shares of SEC-qualified investments in rental homes and vacation rentals, curated and vetted for their appreciation and income potential.

    Backed by world-class investors like Jeff Bezos, Arrived makes it easy to fit these properties into your investment portfolio regardless of your income level. Their flexible investment amounts and simplified process allows accredited and non-accredited investors to take advantage of this inflation-hedging asset class without any extra work on your part.

    Another option is First National Realty Partners (FNRP), which allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    What to read next

    Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. Subscribe for free.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • ‘He’s a coward investor’: Grant Cardone says Warren Buffett’s big investments have 1 crucial trait in common — it makes money ‘while you sleep’ so you don’t have to ‘work until you die’

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Real estate mogul Grant Cardone isn’t known for holding back, even when sharing his views on investing legends like Warren Buffett.

    “Warren Buffet does not buy stocks,” Cardone declared in a YouTube video. It’s a bold claim, considering Buffett is one of the most successful stock market investors of all time. But Cardone quickly clarified his stance.

    “Every company Warren Buffett has ever invested in — from Coca-Cola to Apple Computers — he was taking a major position in a company, not in a piece of paper,” Cardone explained.

    Don’t miss

    According to Cardone, there’s a common thread in these investments.

    “All those companies have one thing in common, what do you think it is? Cash flow,” Cardone said. “He [Buffett] didn’t invest in Apple Computers until their cash flow was so stable. He’s a coward investor. He wants to buy real companies that have real assets, and the cash flow. He wants a check every month.”

    While calling Buffett a “coward investor” might sound like an insult, Cardone applies the same label to himself.

    “I’m a coward investor. I don’t invest in stocks, I’ve always been a coward,” Cardone said in a recent interview.

    For Cardone, cash flow is king. Owning businesses that generate reliable cash flow allows investors to earn a return without constant involvement — something Cardone sees as essential for long-term wealth.

    As he put it: “if you don’t find a way to make money while you sleep, you will work until you die. In my case, I’m going to work until I die, and my money will work after I die.”

    If you’re looking to put this strategy into action, here are some simple ways to get started.

    Collect passive income from real estate

    When it comes to assets that prioritize cash flow, Cardone has a clear favorite — real estate.

    “You only buy things that produce cash flow that can’t be disrupted — like the real estate I buy,” Cardone told YouTuber Logan Paul during a 2019 appearance on the Impaulsive podcast.

    Cardone went on to describe the durability of his investments. “The real estate I buy is indestructible,” he said. When Paul asked why, Cardone explained that his properties generate rents of $1,500 a month, and no matter what happens, those rents aren’t likely to drop below that level.

    Cardone makes a solid point. High-quality properties can provide investors with a steady stream of passive income, which often adjusts with inflation over time. Additionally, inflation tends to push property values higher, reflecting rising costs of materials, labor and land.

    The best part? You don’t need to be a real estate mogul like Cardone to take advantage of this strategy. Platforms like First National Realty Partners (FNRP) allow accredited investors to own a part of institutional-quality, grocery-anchored properties without the hassle of finding and managing deals themselves.

    FNRP properties are leased to national brands like Whole Foods, CVS, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, investors can enjoy the potential to collect stable, grocery store-anchored income every quarter, without worrying about tenant costs cutting into the bottom line.

    New investing platforms are also making it easier than ever to tap into the residential real estate market.

    For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

    With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

    With risk-adjusted internal returns ranging from 12% to 18%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

    If you’re not an accredited investor, crowdfunding platforms like Arrived allows you to enter the real estate market for as little as $100.

    Arrived offers you access to shares of SEC-qualified investments in rental homes and vacation rentals, curated and vetted for their appreciation and income potential.

    Backed by world-class investors like Jeff Bezos, Arrived makes it easy to fit these properties into your investment portfolio regardless of your income level. Their flexible investment amounts and simplified process allows accredited and non-accredited investors to take advantage of this inflation-hedging asset class without any extra work on your part.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Earn passive income with high-yield savings accounts

    High-yield savings accounts (HYSAs) offer a low-risk way to generate passive income while keeping your funds accessible. These accounts usually provide higher interest rates than traditional savings accounts, allowing your money to grow steadily without being tied up in long-term investments.

    With so many options available, choosing the right HYSA can be overwhelming. That’s where SavingsAccounts.com comes in. This online comparison platform helps consumers evaluate high-yield savings accounts from various banks and financial institutions, offering side-by-side comparisons of interest rates, fees and key features to help you maximize your savings.

    Everyone’s financial situation is different, with unique goals, income levels and risk tolerance. If you’re looking to build a passive income portfolio but aren’t sure which cash-flow investments align with your needs, it might be time to talk to a financial advisor. Finding a financial advisor that suits your specific needs and financial goals is simple with Vanguard.

    Advisor.com connects you with vetted fiduciary financial advisors near you. All you have to do is answer a few simple questions about your finances, and Adivsor.com matches you with a short list of certified experts to choose from.

    You can then set up an introductory meeting with no obligation to hire.

    Buffett: The average person can’t pick stocks

    At the end of the day, keep in mind that despite his legendary success in picking winning companies, Buffett doesn’t believe that’s the right approach for most investors.

    “I do not think the average person can pick stocks,” he stated bluntly at Berkshire’s 2021 shareholders meeting.

    Instead, Buffett champions a much simpler strategy, famously stating, “In my view, for most people, the best thing to do is own the S&P 500 index fund.”

    This approach gives investors exposure to 500 of America’s largest companies across various industries, providing diversified exposure without the need for constant monitoring or active trading.

    Buffett believes so strongly in this strategy that he has instructed 90% of his wife’s inheritance to be invested in “a very low-cost S&P 500 index fund” after he dies.

    The beauty of this approach is its accessibility — anyone, regardless of wealth, can take advantage of it. Even small amounts can grow over time with tools like Acorns, a popular app that automatically invests your spare change.

    Signing up for Acorns takes just minutes: link your cards, and Acorns will round up each purchase to the nearest dollar, investing the difference — your spare change — into a diversified portfolio. With Acorns, you can invest in an S&P 500 ETF with as little as $5 — and, if you sign up today, Acorns will add a $20 bonus to help you begin your investment journey.

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