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Author: Jing Pan

  • The US Treasury shocked Americans with a $258 billion surplus — its 2nd biggest monthly surplus in history. Is Trump’s plan surprisingly working?

    The US Treasury shocked Americans with a $258 billion surplus — its 2nd biggest monthly surplus in history. Is Trump’s plan surprisingly working?

    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.

    Budget deficits are something we’ve come to expect from Uncle Sam. After all, without years of overspending, the federal government wouldn’t be sitting on trillions of dollars in debt. But, the latest monthly Treasury statement delivered a rare — and welcome — surprise.

    In June 2025, the U.S. government collected $526 billion in receipts while spending $499 billion, resulting in a monthly budget surplus of $27 billion.

    Don’t miss

    That’s not just any surplus — it’s the first monthly surplus of fiscal year 2025 (which began in October 2024), and the second-largest monthly surplus in U.S. history, behind only April 2022’s $308.2 billion surplus.

    Does that mean President Trump’s plan is working?

    According to the U.S. Department of the Treasury, the surplus was driven by “large individual tax deposits,” with April being the due date for final payments on prior-year taxes and the first installment of quarterly estimated taxes for many individuals and businesses.

    Individual income taxes alone brought in $537 billion — by far the biggest contributor to government revenue for April. Social insurance and retirement receipts followed at $184 billion, while corporate income taxes added $94 billion.

    Customs duties — a reflection of Trump’s tariffs — generated $15.6 billion in April, more than double the $6.3 billion collected during the same month last year. Still, tariff revenue remains modest compared to other major contributors.

    On the spending side, the biggest outlay for the month was Social Security at $132 billion, followed by $89 billion in net interest, $82 billion for Medicare, $76 billion for health and $70 billion for national defense.

    Despite the hefty surplus, one strong month isn’t enough to reverse the broader fiscal trend. From October 1 through April 30, the U.S. government brought in $3.110 trillion in revenue but spent $4.159 trillion — resulting in a $1.049 trillion deficit for the fiscal year so far.

    So it’s no surprise the national debt continues to soar. As of this writing, the total outstanding debt of the U.S. government sits at a staggering $36.212 trillion.

    The takeaway? To run a surplus, you have to earn more than you spend. That might be a tall order for a government juggling countless programs — but for individuals, it’s a surprisingly simple (and achievable) strategy.

    Here are a few ways to boost your own fiscal health in 2025 — and beyond.

    Cutting waste from your spending

    If you want to improve your finances, the first step is understanding where your money goes each month. Track all your expenses for 30 days, then sort them into two categories: necessities — like rent, groceries, utilities and health care — and discretionary spending, such as dining out, entertainment, shopping and hobbies.

    This breakdown gives you a clear picture of your spending habits and helps identify areas where you can cut back. But trimming waste isn’t just about skipping lattes or takeout. Even in essential categories — like car insurance or banking — you may be spending more than you need to. The good news? With a bit of research, those costs can often be significantly reduced.

    Stop overpaying for car insurance

    Car insurance is a major recurring expense, and many people overpay without realizing it. According to Forbes, the average cost of full-coverage car insurance is $2,149 per year (or $179 per month).

    However, rates can vary widely depending on your state, driving history and vehicle type, and you could be paying more than necessary.

    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.

    Stop wasting money on bank fees

    Bank fees can quietly drain your finances over time. Even comedian Bill Burr once complained to Joe Rogan about his bank taking $28 out of his account every month “for no reason.”

    In reality, many traditional banks charge anywhere from $5 to $35 per month in maintenance fees, overdraft fees and other hidden charges.

    Online banks, on the other hand, typically offer lower fees (or none at all) since they don’t have the same overhead costs as brick-and-mortar institutions.

    For example, you can open a high-yield checking and savings account with SoFi and earn up to 3.80% APY Plus, SoFi charges no account, monthly or overdraft fees.

    The best part? You can get up to $300 when you sign up with SoFi and set up a direct deposit.

    Read more: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    Let your spare change grow

    One of the easiest ways to cut financial waste is by putting your spare change to work instead of letting it sit idle. That’s where micro-investing apps like Acorns come in.

    When you make a purchase on your credit or debit card, Acorns automatically rounds up the price to the nearest dollar and invests the difference — the coins that would wind up in your pocket if you were paying cash — into a diversified portfolio of ETFs.

    Buying a coffee for $3.40? The app rounds it up to $4 and invests the extra $0.60. Over time, those small amounts can add up — especially if you’re consistently spending and saving.

    It’s a simple, set-it-and-forget-it way to build wealth from money you might not even miss — and, if you sign up today, Acorns will add a $20 bonus to help you begin your investment journey.

    Create a steady passive income stream

    Cutting expenses is one way to create a surplus — but boosting income can be just as powerful. And while asking for a raise doesn’t always lead to results, there are ways to earn money without clocking in extra hours. That’s where passive income comes in: money that keeps flowing with minimal day-to-day effort.

    One of the most popular passive income strategies? Real estate.

    When you own a rental property, tenants pay you rent each month — providing a steady stream of cash flow. It’s also a time-tested hedge against inflation, since both property values and rental income tend to rise along with the cost of living.

    Of course, purchasing a property requires significant capital — and finding the right tenant takes time and effort.

    Homeshares, 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.

    Another way to tap into this market is by investing in shares of vacation homes or rental properties through Arrived.

    Backed by world-class investors including Jeff Bezos, Arrived allows you to invest in shares of vacation and rental properties, earning a passive income stream without the extra work that comes with being a landlord of your own rental property.

    To get started, simply browse through their selection of vetted properties, each picked for their potential appreciation and income generation. Once you choose a property, you can start investing with as little as $100, potentially earning quarterly dividends.

    What to read next

    Money doesn’t have to be complicated — sign up for the free Moneywise newsletter for actionable finance tips and news you can use. Join now.

    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: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    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.

    One way to invest in real estate is by purchasing rental properties and becoming a landlord. But for the average American who wants to avoid the need for a hefty down payment or the burden of property management, crowdfunding platforms like Arrived make it easier to slice yourself up a piece of that pie.

    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.

    Homeshares 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.

    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

    Money doesn’t have to be complicated — sign up for the free Moneywise newsletter for actionable finance tips and news you can use. Join now.

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

  • Kevin O’Leary gives this 1 golden piece of money advice to his kids ‘over and over again’ — says it will make you a millionaire even on $68K income. Are you leaving riches on the table?

    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.

    Kevin O’Leary has made numerous investment bets on Shark Tank, backing everything from kitchen gadgets to cat DNA testing. But when it comes to teaching his own kids about money, his advice is surprisingly simple.

    “What piece of advice do I give my kids over and over and over again about money? Don’t spend it, save it, invest it, let it compound — that’s the gift the market gives you,” O’Leary said in a recent YouTube video.

    “Take 15% of all your paychecks, all your side hustle, any cash granny gives you, and put it in the market and just let it compound.”

    Saving 15% might not sound like a fast track to riches, but O’Leary says the payoff can be enormous — even on a modest income.

    “If you make $68,000 a year, the average salary, and you do this your entire life — just 15% of your paycheck — you’ll end up a millionaire at retirement at 65.”

    It’s a compelling idea. But how realistic is it?

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    The outcome depends on key factors like when you start and what kind of return the market delivers. For example, CNBC estimates that if you begin saving 15% of your income at age 25 and earn a 4% annual return, you’d only need to make $67,459 a year to hit the $1 million mark by 65.

    Start at 40, however, and you’ll need to earn more than double — $155,086 per year — to reach the same goal with a 4% return. But if you manage to get an 8% return, the required income drops to $83,563.

    Historically, the U.S. stock market has delivered strong long-term returns. The benchmark S&P 500’s average annual return has hovered around 10%, though of course, past performance is no guarantee of future results.

    Still, O’Leary’s core message is timeless: the earlier and more consistently you invest, the better your chances of growth.

    “Best piece of advice I can give anybody,” he said. “Don’t buy stuff you don’t need — invest it instead.”

    Here’s a look at a few simple ways to apply that advice in your own life.

    Unlock the market’s gift — and ‘let it compound’

    O’Leary’s advice to “put it in the market and just let it compound” echoes the philosophy of investing legend Warren Buffett.

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

    Still, setting aside 15% of every paycheck may feel out of reach for many. According to the Bureau of Economic Analysis, the current personal savings rate in the U.S. is just 4.9%.

    The good news? You don’t have to start big. The beauty of this strategy 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.

    Read more: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    Building wealth while earning passive income

    Beyond stocks, real estate has long been a favorite asset class for building wealth — especially among income-focused investors.

    While stock markets can swing wildly on headlines, high-quality properties often continue to generate stable rental income.

    In fact, Buffett often uses real estate to illustrate what a productive, income-generating asset looks like. In 2022, he stated that if you offered him “1% of all the apartment houses in the country” for $25 billion, he would “write you a check.”

    Why? Because regardless of what’s happening in the broader economy, people still need a place to live and apartments can consistently produce rent money.

    The best part? You don’t need to be a billionaire investor to get in the game.

    One way to invest in real estate is by purchasing rental properties and becoming a landlord. But for the average American who wants to avoid the need for a hefty down payment or the burden of property management, crowdfunding platforms like Arrived make it easier to slice yourself up a piece of that pie.

    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.

    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.

    Talk to an expert

    At the end of the day, everyone’s financial situation is different — from income levels and investment goals to debt obligations and risk tolerance. Some may be juggling student loans or credit card debt, which can make it difficult to jump straight into investing. Others might feel uneasy about market volatility.

    If you’re unsure where to start, it might be the right time to get in touch with a financial advisor through Advisor.com.

    Advisor.com is an online platform that matches you with vetted financial advisors suited to your unique needs. They can help tailor a strategy to your unique financial situation, whether you’re looking to grow wealth, diversify beyond stocks or plan for long-term financial security.

    Once you’re matched with an advisor, you can book a free consultation with no obligation to hire.

    What to read next

    Money doesn’t have to be complicated — sign up for the free Moneywise newsletter for actionable finance tips and news you can use. Join now.

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

  • The number of US adults without enough food has spiked nearly 100% since 2021 — economist warns of ‘disconnect’ between Wall Street highs and everyday hunger. Will Trump widen the divide?

    The number of US adults without enough food has spiked nearly 100% since 2021 — economist warns of ‘disconnect’ between Wall Street highs and everyday hunger. Will Trump widen the divide?

    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.

    America is known for its economic might — yet more and more of its citizens are struggling to afford enough food.

    A new survey from Morning Consult, as reported by Axios, finds that 15.6% of U.S. adults said they sometimes or often didn’t have enough to eat in May — nearly double the share from 2021.

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    At the time, expanded benefits like the Supplemental Nutrition Assistance Program (SNAP) and the enhanced Child Tax Credit helped improve access to food. But those supports have since rolled back — and the situation appears to be worsening.

    Morning Consult Chief Economist John Leer pointed to the growing disparity between financial markets and real life for many Americans.

    “There’s such a disconnect now between record highs on Wall Street and elevated levels of food insecurity,” Leer said in the report.

    Philadelphia’s Share Food Program — a major food bank network in the city — has seen demand for food surge by 120% over the past three years. Program director George Matysik said the need began climbing as soon as federal aid started to drop in 2022.

    Matysik is concerned that with Congress having just passed a major cut to SNAP, the situation could get worse. Recent research from the Urban Institute suggests that the “big beautiful” reconciliation package would cause 22.3 million families to lose some or all of their SNAP benefits.

    How to fight rising living costs — and save on everyday essentials

    It’s no secret that food prices have climbed sharply in recent years. The food index in the Consumer Price Index (CPI) has surged 26% over the past five years — and the USDA expects food prices to rise another 2.9% in 2025.

    But groceries are just one part of the squeeze. From rent to utilities to transportation, inflation has been steadily eroding the purchasing power of your hard-earned dollar.

    That’s why it’s more important than ever to keep a close eye on your budget. With a bit of research, even essential expenses can often be significantly reduced.

    For instance, car insurance is a major recurring expense, and many people overpay without realizing it. According to Forbes, the average cost of full-coverage car insurance is $2,149 per year (or $179 per month).

    However, rates can vary widely depending on your state, driving history and vehicle type, and you could be paying more than necessary.

    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.

    Meanwhile, you can use a platform like the Upside cash-back app to save on everyday essentials like gas, groceries and dining out. After downloading the app, simply claim offers at locations near you. For instance, users can earn up to 25 cents back per gallon on fuel, helping to ease the sting at the pump.

    Plus, you can also get a bonus 25 cents off per gallon with code MONEYWISE25 on your first transaction when you sign up.

    Read more: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    2 time-tested ways to hedge against inflation

    Inflation’s compounding impact adds up over time. According to the Federal Reserve Bank of Minneapolis’s inflation calculator, $100 in 2025 buys what just $12.05 could in 1970 — a stark reminder of how the value of money erodes.

    But savvy investors have long relied on certain assets to guard against inflation’s bite.

    One of the most well-known is gold. The appeal is simple: Unlike fiat currency, gold can’t be printed in unlimited quantities by central banks.

    It’s also long been viewed as a classic safe haven. Gold isn’t tied to any one country, currency or economy, and in times of economic turmoil or geopolitical uncertainty, investors often flock to it — driving prices higher.

    Over the past 12 months, the price of the precious metal has surged by more than 35%.

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

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC earlier this year. “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 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 precious metals for free.

    For those seeking income alongside protection from inflation, real estate offers a time-tested alternative.

    When inflation goes up, property values often climb as well, reflecting the higher costs of materials, labor and land. Meanwhile, rental income tends to rise, providing landlords with a revenue stream that adjusts with inflation.

    Over the past five years, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index has surged more than 50%.

    These days, you don’t need to buy a property outright to benefit from real estate investing. Crowdfunding platforms like Arrived have made it easier than ever for everyday investors to gain 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.

    What to read next

    Money doesn’t have to be complicated — sign up for the free Moneywise newsletter for actionable finance tips and news you can use. Join now.

    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.

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    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.

    One way to invest in real estate is by purchasing rental properties and becoming a landlord. But for the average American who wants to avoid the need for a hefty down payment or the burden of property management, crowdfunding platforms like Arrived make it easier to slice yourself up a piece of that pie.

    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.

    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 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.

    Read more: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    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

    Money doesn’t have to be complicated — sign up for the free Moneywise newsletter for actionable finance tips and news you can use. Join now.

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

  • ‘This guy is our Einstein’: Jamie Dimon says he and Elon Musk ‘hugged it out’ after dropping $162M Tesla lawsuit — vows to support the billionaire as much as he can. Here’s how to tag along

    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.

    It’s not every day that high-profile figures put their differences aside — but that’s exactly what happened.

    During an appearance on CNBC, JPMorgan CEO Jamie Dimon was asked about Tesla CEO Elon Musk, given their “complicated relationship.” Dimon didn’t hold back.

    “Elon and I have hugged it out,” he said.

    Don’t miss

    Dimon explained that Musk attended one of JPMorgan’s conferences, where the two had a “nice, long” conversation and settled some of their differences.

    That response might surprise some, considering JPMorgan sued Tesla in November 2021 for $162.2 million, alleging that the automaker breached a 2014 contract related to stock warrants. JPMorgan ultimately dropped the lawsuit in November 2024.

    But Dimon didn’t stop at reconciliation — he went on to heap praise on Musk’s achievements.

    “You’ve got to look at Elon — I mean SpaceX, I mean Tesla, Neuralink. I mean, the guy is our Einstein, and so I’d like to be helpful to him and his company as much as we can,” Dimon stated.

    Musk’s ventures speak for themselves. He leads Tesla, serves as chief engineer of SpaceX — which designs and launches rockets with ambitions to colonize Mars — and co-founded Neuralink, a company developing implantable brain-machine interfaces.

    Dimon isn’t the only business titan to recognize Musk’s impact. Legendary investor Warren Buffett has called Musk “a brilliant, brilliant guy,” adding that he wouldn’t want to “compete with Elon in a lot of things.”

    If you share this optimism, here are a few simple ways to invest alongside the serial entrepreneur.

    Tesla (TSLA)

    Musk has built several successful businesses, but none are as synonymous with his name as Tesla.

    With a net worth of $428 billion, according to Bloomberg, Musk is currently the richest person in the world, and Tesla equity remains his largest asset.

    While Tesla’s stock is known for its volatility, the company remains a behemoth in the automotive industry. With a market cap of approximately $1.27 trillion, Tesla is more than 10 times the size of Ford and General Motors combined.

    In 2024, Tesla produced 1,773,443 EVs and delivered 1,789,226 EVs. While both figures declined from 2023, Wall Street still sees potential upside in Tesla shares.

    For instance, Wedbush Securities analyst Dan Ives has an ‘outperform’ rating on Tesla and a price target of $550 — roughly 35% above where the stock sits as of Jan. 29.

    Read more: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    Cryptocurrency

    Musk has long been one of the most influential voices in cryptocurrency.

    In 2021, he made his stance clear: “I’m a supporter of bitcoin and the idea of cryptocurrency in general.”

    At the time, he revealed that aside from Tesla and SpaceX, he personally owned Bitcoin (BTC), Ethereum (ETH), and Dogecoin (DOGE).

    Musk’s words often move markets, with his comments sometimes triggering sharp price swings in the crypto space. However, he has been transparent about his intentions.

    “If the price of bitcoin goes down, I lose money. I might pump, but I don’t dump,” Musk stated. “I definitely do not believe in getting the price high and selling, or anything like that. I would like to see Bitcoin succeed.”

    Bitcoin, the world’s largest cryptocurrency, has gained significant momentum since then, soaring past $100,000. One reason it attracts crypto enthusiasts is its built-in scarcity. Unlike fiat currencies, Bitcoin can’t be printed at will by central banks. Instead, its supply is capped at 21 million by mathematical algorithms.

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

    You can place instant, recurring and limit buys on their 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.

    Real estate

    In a March 2022 discussion on X about inflation, Elon Musk offered a straightforward piece of advice: “As a general principle, for those looking for advice from this thread, it is generally better to own physical things like a home or stock in companies you think make good products, than dollars when inflation is high.”

    His suggestion came at a critical moment, as inflation in the U.S. was surging, with the consumer price index (CPI) hitting a 40-year high of 9.1% year-over-year in June 2022.

    Musk had a point — real estate has long been considered a reliable hedge against inflation. 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 with inflation.

    For years, direct access to the $22.5 trillion commercial real estate sector has been limited to a select group of elite investors — until now.

    First National Realty Partners (FNRP) 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.

    However, owning a share of a project or property this way holds some risk — for instance, you could receive no returns and these assets are often illiquid. Speak to a professional if this investment is right for you, especially if you are retired or close to retirement.

    While the real estate market can be prohibitive for first-time buyers due to still-cooling mortgage rates and rising home prices, there are still options for would-be real estate investors.

    For example, you can tap into this market by investing in shares of vacation homes or rental properties through Arrived.

    Backed by world-class investors including Jeff Bezos, Arrived allows you to invest in shares of vacation and rental properties, earning a passive income stream without the extra work that comes with being a landlord of your own rental property.

    To get started, simply browse through their selection of vetted properties, each picked for their potential appreciation and income generation. Once you choose a property, you can start investing with as little as $100, potentially earning quarterly dividends.

    What to read next

    Money doesn’t have to be complicated — sign up for the free Moneywise newsletter for actionable finance tips and news you can use. Join now.

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

  • Boomers are out of luck: Robert Kiyosaki warns that the ‘biggest crash in history is coming’ — here’s his strategy to get rich before things get worse

    Boomers are out of luck: Robert Kiyosaki warns that the ‘biggest crash in history is coming’ — here’s his strategy to get rich before things get worse

    Robert Kiyosaki, author of Rich Dad, Poor Dad , has been predicting dark clouds for the U.S. stock market for over a year, saying that when the storm hits, one generation will feel the brunt of it.

    “BOOMERS are SOL: When the stock market bursts … BOOMERS will be BIGGEST LOSERS,” Kiyosaki posted on X, in December 2024.

    In the wake of recent stock market turmoil, Kiyosaki didn’t hesitate to say I told you so.

    “That stock market crash arrived today. We are definitely in a RECESSION and more than likely…a DEPRESSION,” he wrote in an X post April 4, 2025.

    However, the controversial speaker and author went on to write that there’s a chance for investors to turn this crisis into an opportunity – if they play their cards right.

    “Take care and make this recession the best thing that has ever happened to you,” he wrote. “You and only you have that power.”

    Here are some of the investments Kiyosaki recommends.

    Bitcoin

    Bitcoin has been another standout performer in 2024, rising approximately 121% year-to-date.

    On November 29, 2024, Kiyosaki predicted, “Bitcoin will soon break $100,000.” On December 4, 2024, cryptocurrency surpassed that milestone, grabbing headlines worldwide.

    But Kiyosaki doesn’t see US$100,000 as the end of the road. In a November 24, 2024 post, he posted a bold projection: “Q: what is the price of Bitcoin in 2025? A: $500,000 according to AI.” He did not specify which artificial intelligence model informed this prediction, but the ambitious target has certainly sparked interest.

    One reason Bitcoin attracts crypto enthusiasts is its built-in scarcity, often likened to digital gold. Like gold, Bitcoin can’t be printed at will by central banks. Instead, Bitcoin volume is capped at 21 million by mathematical algorithms.

    Kiyosaki has warned that once Bitcoin crosses US$100,000, it will become “almost impossible for the poor and middle class to catch up.”

    He attributes this to the dominance of ultra-rich entities — such as corporations, banks and sovereign wealth funds — who will be the only ones able to acquire Bitcoin in significant amounts.

    “The horse will be out of the barn and running,” he wrote, urging people to act now. “Don’t let the rich get richer … without you.”

    Trade and stake coins with Canada’s first regulated crypto platform. Plus, get a $25 cash bonus when you open and fund your first Wealthsimple account through this page and fund with at least a $1 within 30 days. T&Cs apply.

    Real estate — revisited

    “Your house is not an asset” is one of Kiyosaki’s most well-known ideas. “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,” he explained.

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

    Perhaps that’s why Kiyosaki once disclosed he owns 15,000 houses — strictly for investment purposes.

    The good news is you don’t need to be as wealthy as Kiyosaki to get started in real estate investing.

    If you choose passive investing in REITs, real estate ETFS and mutual funds, you can invest for as little as the share price, as opposed to more active investments like purchasing a property you intend to live in, which will require you to make a down payment.

    Get Started: To get started investing in real estate using REITs, open a trading account. Consider building your investment portfolio with CIBC Investor’s Edge online and mobile trading platform. Enjoy low commissions plus get up to $100 in commission-free equity trades† when you open a CIBC Investor’s Edge account using promo code EDGE100. Conditions apply.

    Precious metals

    Kiyosaki has been a vocal proponent of silver and gold for decades.

    In October 2023, Kiyosaki predicted, “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.”

    That forecast has gained traction. Gold prices surged in 2025, now standing at about CAD$4,562.87 per ounce.

    Silver and gold have long been considered popular hedges against inflation. The reason is simple: Central banks can’t print precious metals in unlimited quantities like fiat money.

    Kiyosaki revealed that he has been purchasing gold and silver mines since 1985 and now he “literally owns tons of gold and silver.”

    Sources

    1. Au Bullion: Gold Price Today Per Ounce – Live Gold Price

    2. Bankrate: Bitcoin’s price history: From its 2009 launch to its 2025 heights, by James Royal (Apr 29, 2025)

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

  • America just opened its 1st rare earth mine in 70 years — government official says it will ‘break our dependence on China.’ Why it’s a big deal for the US and how to take advantage now

    America just opened its 1st rare earth mine in 70 years — government official says it will ‘break our dependence on China.’ Why it’s a big deal for the US and how to take advantage 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.

    The U.S. has just opened its first rare earth mine in more than 70 years.

    On July 11, Ramaco Resources officially opened the Brook Mine outside Ranchester, Wyoming. The northern Wyoming deposit is a trove containing six of the 17 rare earth elements — called “rare” not because they’re scarce, but because extracting them from raw materials is so challenging.

    Ramaco CEO Randall Atkins says the site could supply the U.S. with rare earth materials for the next 150 years.

    Don’t miss

    “We will be mining it here, we will be processing on this site, and we will sell it to domestic customers — and that will be our answer to China,” Atkins told FOX 5.

    Rare earth elements are used in everything from smartphones and electric vehicles to military systems and wind turbines. FOX noted that each F-35 stealth fighter — produced by Lockheed Martin — contains about 920 pounds of rare earth minerals.

    Currently, China mines around 70% of the world’s rare earth supply and processes roughly 90% of it. In retaliation for President Donald Trump’s tariffs, China halted exports of rare earth metals — exposing a critical supply chain vulnerability.

    U.S. Energy Secretary Chris Wright believes this new mine marks a turning point.

    “Not only do we get coal here — we are going to get those rare earth elements that are going to break our dependence on China,” Wright told FOX News from the site.

    Soaring shares

    Ramaco shares have rallied strongly following the release of a full independent preliminary economic assessment of the Brook Mine, which confirmed the project is both commercially and technologically feasible.

    With the high-profile ribbon cutting, the market’s enthusiasm has only intensified. The stock is up roughly 100% year to date.

    It’s worth noting that Ramaco isn’t a pure rare earth play. The company also operates and develops metallurgical coal assets — and officials remain optimistic about coal’s role in the energy mix.

    “Coal has been the biggest source of global electricity for over 120 years and it remains today by far the biggest source of global electricity,” Wright said at the announcement of the site. “It will remain that way for the rest of our lifetimes. So, to believe that coal somehow is bad or somehow is going away is just nonsense and destructive nonsense.”

    If you’re interested in exploring mining stocks like Ramaco — or want to diversify into other sectors driving America’s resource independence — getting started has never been easier.

    With investing platforms like Robinhood, you can buy and sell stocks, ETFs and their options commission-free, track your portfolio in real time and get 24/7 access to customer service.

    For those starting small, the app also lets you buy fractional shares for as little as $1, making it easy to build a diversified portfolio without breaking the bank.

    Read more: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    A golden hedge

    While rare earths are critical to the technologies of tomorrow, gold — a precious metal rather than a rare earth — has served as a store of value for thousands of years.

    Today, the yellow metal remains as relevant as ever for a simple reason: Unlike fiat currencies, gold cannot be printed out of thin air by central banks.

    It’s also long been viewed as a classic safe haven. Gold isn’t tied to any one country, currency or economy, and in times of economic turmoil or geopolitical uncertainty, investors often flock to it — driving prices higher.

    Over the past 12 months, the price of the precious metal has surged by more than 35%.

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

    “People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC. “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 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 precious metals for free.

    What to read next

    Money doesn’t have to be complicated — sign up for the free Moneywise newsletter for actionable finance tips and news you can use. Join now.

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

  • US Pentagon chief warns of ‘real’ and ‘imminent’ threat from China — says we face ‘devastating consequences’ if Beijing takes this 1 serious step. 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.

    U.S. Defense Secretary Pete Hegseth has issued a stark warning to America’s allies in Asia.

    Speaking at the IISS Shangri-La Dialogue in Singapore — an annual security summit attended by ministers, military officials and business leaders — Hegseth identified China as a growing military threat to the region.

    “There’s no reason to sugarcoat it. The threat China poses is real, and it could be imminent,” he said in his first address at the forum.

    Hegseth focused his warning on Beijing’s stance toward Taiwan, making the stakes clear for the broader region.

    “To be clear: any attempt by Communist China to conquer Taiwan by force would result in devastating consequences for the Indo-Pacific and the world,” he said.

    He added that Beijing is “credibly preparing to potentially use military force to alter the balance of power in the Indo-Pacific.”

    While Hegseth emphasized that the U.S. is not seeking conflict — noting President Donald Trump’s “immense respect” for the Chinese people and their civilization — he made it clear that Washington’s resolve is unwavering.

    Don’t miss

    “We will not be pushed out of this critical region, and we will not let our allies and partners be subordinated and intimidated,” he said.

    Hegseth also called on America’s allies to step up their own military readiness, saying: “U.S. allies in the Indo-Pacific can and should quickly upgrade their own defenses.”

    In response, China’s representative at the summit accused Hegseth of making “groundless accusations.”

    “Some of the claims are completely fabricated, some distort facts and some are cases of a thief crying ‘stop thief,’” said Rear Admiral Hu Gangfeng, vice president of China’s National Defense University. “These actions are nothing more than attempts to provoke trouble, incite division and stir up confrontation to destabilize the Asia-Pacific region.”

    While Hegseth’s warning focuses on geopolitical security, tensions between major powers of the world can also carry serious financial implications. Markets tend to react swiftly to military escalations or diplomatic shocks — and investors who aren’t prepared could be left exposed.

    Here’s a look at three ways to help shield your finances amid rising global uncertainty.

    A timeless safe haven

    In times of uncertainty, few assets shine like gold — and investors are taking notice.

    Unlike fiat currencies, gold can’t be printed at will by central banks. It’s not tied to any one government or economy, making it a powerful hedge against inflation, geopolitical instability and financial system shocks. That’s why during periods of turmoil — from wars to rising deficits — investors often flock to the yellow metal, pushing prices higher.

    Lately, gold has lived up to its reputation. 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 importance as part of a resilient portfolio.

    “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.”

    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: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    The 1 sector that thrives in conflict

    Hegseth has called on America’s Indo-Pacific allies to ramp up their military spending — a move that aligns with the U.S.’s own aggressive defense budget.

    According to the Stockholm International Peace Research Institute, the U.S. spent $997 billion on defense in 2024 — more than the next nine countries combined, including China.

    Periods of heightened geopolitical tension often coincide with increased military spending. For defense contractors, that can mean a surge in business — and for investors, it presents a potential opportunity.

    Defense stocks tend to gain attention when global risks rise. Companies like Lockheed Martin (NYSE:LMT), RTX (NYSE:RTX) and Northrop Grumman (NYSE:NOC) are among the biggest players in the industry.

    For broader exposure, investors can also consider ETFs like the iShares U.S. Aerospace & Defense ETF (BATS:ITA), which provides diversified exposure to the sector.

    Passive income, even in uncertain times

    Like stocks, real estate prices can fluctuate. But unlike many other assets, real estate doesn’t rely on a booming market to deliver returns.

    High-quality, income-generating properties — especially those serving essential needs — can continue to produce rental income, even during times of economic or geopolitical uncertainty. That means you don’t have to rely on price appreciation to see a payoff — the asset itself can work for you.

    Even the current U.S. commander in chief has long recognized the value of real estate.

    In a 2011 interview with Steve Forbes, Trump said, “I just notice that when you have that right piece of property, whatever it might be, including location, it tends to work well in good times and in bad times.”

    Homeshares 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.

    If you’re an accredited investor looking for larger returns through commercial real estate, First National Realty Partners (FNRP) could be a better fit with a $50,000 minimum investment requirement.

    Specializing in grocery-anchored retail, FNRP offers a turnkey solution for investors, allowing them to passively earn distribution income while benefiting from the firm’s expertise and deal leadership.

    FNRP has developed relationships with the nation’s largest essential-needs brands, including Kroger, Walmart and Whole Foods, and provides insights into the best properties both on and off-market. And since the investments are necessity-based, they tend to perform well during times of economic volatility and act as a hedge against inflation.

    You can engage with experts, explore available deals and easily make an allocation, all in one personalized, secure portal.

    What to read next

    Money doesn’t have to be complicated — sign up for the free Moneywise newsletter for actionable finance tips and news you can use. Join now.

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

  • Jamie Dimon issued a warning about the US stock market — said ‘tariffs will likely increase inflation.’ Here’s 3 ways you can ‘crashproof’ your portfolio

    Jamie Dimon issued a warning about the US stock market — said ‘tariffs will likely increase inflation.’ Here’s 3 ways you can ‘crashproof’ your portfolio

    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’s tariffs continue to drive market uncertainty while boosting the price of domestic and imported goods, and may further weigh down a beleaguered U.S. market, according to JPMorgan’s annual stakeholder letter.

    “The recent tariffs will likely increase inflation and are causing many to consider a greater probability of a recession,” Jamie Dimon, who serves as JPMorgan CEO and chairman, wrote in a letter to shareholders on April 7. “And even with the recent decline in market values, prices remain relatively high.”

    His concerns aren’t without merit.

    Don’t miss

    Trump’s latest tariff policies have battered the stock market — the S&P 500 index declined by over 10% in early April, formally entering correction territory.

    Dimon supported Trump’s tariffs in January, calling them a “little inflationary” yet imperative for national security.

    But Dimon now sees the U.S. economy weakening in the wake of Trump’s recent tariff announcements, according to that same shareholder letter.

    “The economy is facing considerable turbulence (including geopolitics), with the potential positives of tax reform and deregulation and the potential negatives of tariffs and ‘trade wars,’ ongoing sticky inflation, high fiscal deficits, and still rather high asset prices and volatility,” Dimon acknowledged.

    If you share these concerns, here are three ways to help protect your portfolio.

    Precious metals

    When markets look shaky, investors often turn to gold — and for good reason. The precious metal is seen as a store of value, offering protection against inflation, economic downturns and stock market volatility.

    As market uncertainty mounts, investors often take cover with precious metals. For instance, gold has climbed around 35% over the past year, hitting over $3,200 per ounce, while silver has posted impressive gains of around 36%, reaching over $30 per ounce.

    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, which combines 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 $10,000 in free silver on qualifying purchases.

    Read more: You don’t have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here’s how

    Real estate

    Investors looking to diversify beyond stocks to shield their wealth from the impacts of rising prices brought on by tariffs might find real estate a compelling choice.

    Property values tend to rise with inflation, reflecting the increasing costs of materials, labor and land. At the same time, rental income has been shown to climb, providing landlords with a steady revenue stream that adjusts with the cost of living.

    Of course, purchasing a property requires significant capital — and finding the right tenant takes time and effort. But thanks to modern investment options, you don’t need to own a property outright to gain exposure to real estate as a financial asset.

    Platforms like First National Realty Partners allow accredited investors to own a piece of institutional-grade, grocery-anchored properties without the hassle of finding and managing property.

    FNRP properties are leased to national brands like Whole Foods, CVS, Kroger and Walmart. Thanks to triple net leases, investors can potentially collect grocery-store-anchored income without worrying about operational headaches cutting into the bottom line.

    One way to invest in real estate is by purchasing rental properties and becoming a landlord. But for the average American who wants to avoid the need for a hefty down payment or the burden of property management, crowdfunding platforms like Arrived make it easier to slice yourself up a piece of that pie.

    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.

    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.

    Fine art

    It’s easy to see why great works of art tend to appreciate over time. Supply is limited, and many famous pieces have been snatched up by museums and collectors. This makes art an attractive option for investors looking to diversify their holdings.

    In 2022, a collection of art owned by the late Microsoft co-founder Paul Allen sold for $1.5 billion at Christie’s New York, making it the most valuable collection in auction history. But for a long time, investing in art was a privilege reserved for the ultra-wealthy.

    Now, that’s changed with Masterworks — a platform for investing in shares of blue-chip artwork by renowned artists, including Pablo Picasso, Jean-Michel Basquiat and Banksy. Masterworks has had 23 successful exits to date, and every one of them has been profitable. All told, Masterworks has distributed over $60 million in proceeds back to investors, including the principal.

    To get started, simply browse their impressive portfolio of paintings and choose how many shares you’d like to buy. Masterworks will handle all the details, making high-end art investments both accessible and effortless. See important Regulation A disclosures at Masterworks.com/cd.

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