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Author: Jing Pan

  • ‘What do you do all day?’: Ivy League college student sends DOGE-style email to 3,805 employees as school costs top $90,000 per year — now he faces punishment. Do you agree with his approach?

    ‘What do you do all day?’: Ivy League college student sends DOGE-style email to 3,805 employees as school costs top $90,000 per year — now he faces punishment. Do you agree with his approach?

    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 annual price of attending Brown University approaching six figures, sophomore Alex Shieh wanted to know where all that money was going. In particular, he wanted to know what the school’s thousands of non-faculty employees were doing each day. So, he sent them a DOGE-style email asking that exact question.

    Now, he’s facing disciplinary action.

    “The inspiration for this is the rising cost of tuition,” Shieh told Fox News in a story published April 4. “Next year, it’s set to be $93,064 to go to Brown.”

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    This figure reflects the direct costs associated with attending Brown for one year, as shown on the school’s website, including tuition, fees and allowances for food and housing. First-time students are billed an extra $100. Brown’s undergraduate enrollment stands at 7,272.

    To illustrate what he saw as administrative bloat, Shieh compiled a database of 3,805 non-faculty employees, according to Fox News. In an email similar to those sent by Elon Musk’s Department of Government Efficiency to federal workers, he asked them: “What do you do all day?”

    Shieh says only 20 people responded — some with profane replies — and soon after the university moved to discipline him.

    "Brown is charging me for misrepresentation — for saying I am affiliated with The Brown Spectator," Shieh said in a follow-up story published by Fox News on April 30. In his emails, Shieh identified himself as a journalist for The Spectator — a long-inactive student journal that Shieh claims he and other students are trying to bring back.

    “Brown is also charging me for violating their IT policies for publishing Brown employee data,” Shieh said. A website was created identifying what was deemed to be wasteful spending at Brown, and the names and titles of employees were published. Shieh insisted to the Brown Daily Herald all of the information was publicly available.

    Brown University, however, expressed a different view.

    “In spite of what has been reported publicly framing this as a free speech issue, it absolutely is not,” a university spokesperson told Fox News. “At the center of Brown’s review are questions focused on whether improper use of non-public Brown data, non-public data systems and/or targeting of individual employees violated law or policy.”

    Whether or not you agree Shieh’s approach was an appropriate way to investigate wastefulness, it’s an issue many of us deal with in our everyday lives, including in our personal finances.

    Here are three simple ways to cut waste in your own life in 2025.

    1. 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.

    2. Stop wasting money on bank fees

    Bank fees can quietly drain your finances over time. In reality, many traditional banks will issue a charge if you don’t maintain a minimum balance, along with other actions such as overdrafting.

    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

    3. 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.

    Buy 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.

    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 blasts ‘anti-American rhetoric’ from Canada’s prime minister — says party ‘wiped out’ loonie, leaving Canadians unable to afford Disneyland. How to hedge against uncertainty

    Kevin O’Leary blasts ‘anti-American rhetoric’ from Canada’s prime minister — says party ‘wiped out’ loonie, leaving Canadians unable to afford Disneyland. How to hedge against uncertainty

    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.

    Canadian Prime Minister Mark Carney has taken a hard line on President Donald Trump’s tariff threats, vowing to hit back with retaliatory trade measures designed to inflict “maximum impact” on the U.S.

    While tensions between the two allies have escalated, “Shark Tank” investor Kevin O’Leary believes Carney’s tough talk is little more than political theatre.

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    “The anti-U.S. rhetoric is being stirred up by Carney because his party devastated the country over the last 10 years, and the only way he can stay in power is to convince people he’s the solution against Trump,” O’Leary said in a March 31 interview with Fox Business.

    O’Leary, who was born in Canada, didn’t hold back in his criticism of Carney and the prime minister’s Liberal Party.

    “You’ve got to remember, Canada actually only grew under the Liberal Party 1.4% in 10 years. The economy is wiped out,” he said. “One of the reasons Canadians can’t go to Florida is, his party wiped out the value of the dollar … Canadians can’t afford to go to Disneyland anymore.”

    O’Leary didn’t cite a source for his growth figure, but Trevor Tombe, professor of economics at the University of Calgary, has noted that Canada’s real GDP per capita grew just 1.4% from Q1 2015 to Q3 2024, based on data from the Organisation for Economic Co-operation and Development. The Liberal Party has been in power since late 2015.

    As for the loonie (Canadian dollar), it has indeed weakened over the past decade. In April 2015, one Canadian dollar was worth about 81 U.S. cents. Ten years later, it trades closer to 70 cents — a drop of roughly 13.6%.

    While O’Leary dismisses the tension as election-driven, trade disputes can trigger real geopolitical uncertainty with ripple effects that extend far beyond politics. Markets don’t react well to unpredictability, and we’ve already seen headlines of trillions in U.S. market value wiped out as Trump pushes forward with tariffs.

    In times like these, financial experts often recommend taking steps to hedge against uncertainty. Here’s a look at three strategies that can help protect your wealth.

    A classic safe haven

    Gold has long been considered a go-to asset during times of economic and geopolitical uncertainty — and for good reason.

    Unlike stocks or currencies, gold isn’t tied to any one government or economy. It also can’t be printed at will by central banks. Those characteristics make it especially attractive when confidence in political leadership, trade stability or the value of paper money start to slip.

    When markets grow jittery, investors often turn to gold as a safe haven. Case in point: over the past year, gold prices have surged over 33%, recently topping $3,100 an ounce.

    Billionaire hedge fund manager Ray Dalio has warned that most people “don’t have, typically, an adequate amount of gold in their portfolio.”

    He added: “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 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 seeking to shield their retirement funds against economic uncertainties.

    When you make a qualifying purchase with Priority Gold, you can receive up to $5,000 in precious metals for free.

    A time-tested income play

    Real estate has long been a favored way to generate passive income — and unlike stocks or bonds, it’s a tangible asset you can see and manage.

    While markets can swing wildly in response to headlines, high-quality, well-located properties can continue producing rental income regardless of what’s happening on Wall Street.

    Real estate is also a time-tested hedge against inflation. 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 adjusts with inflation.

    While home prices have been soaring and mortgage rates remain elevated, you don’t need to buy a property outright to get in the game. Crowdfunding platforms like Arrived have made it easier for average Americans to invest in rental properties without the need for a hefty down payment or the burden of property management.

    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.

    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 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 interested in commercial real estate, there are plenty of opportunities as well.

    First National Realty Partners (FNRP), for instance, 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

    A finer alternative

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

    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.

    Investing in art was once 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. It’s easy to use, and with 23 successful exits to date, every one of them has been profitable thus far.

    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.

    Masterworks has distributed roughly $61 million back to investors. New offerings have sold out in minutes, but you can skip their waitlist here.

    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.

  • ‘May God have mercy’: Robert Kiyosaki warns of hyperinflation in America — says ‘millions, young and old’ will be ‘wiped out financially’. But he sees massive upside in these 3 assets

    ‘May God have mercy’: Robert Kiyosaki warns of hyperinflation in America — says ‘millions, young and old’ will be ‘wiped out financially’. But he sees massive upside in these 3 assets

    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.

    Since peaking at a 40-year high of 9.1% in June 2022, headline inflation in the U.S. has eased. But according to “Rich Dad Poor Dad” author Robert Kiyosaki, the worst may be yet to come.

    “The end is here: what if you threw a party and no one showed up? That is what happened yesterday,” he wrote in a May 21 post on X. “The Fed held an auction for U.S. bonds and no one showed up. So the Fed quietly bought $50 billion of its own fake money with fake money.”

    He added, “The party is over. Hyperinflation is here. Millions, young and old to be wiped out financially.”

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    Kiyosaki is no stranger to predictions of economic collapse, and the claims in his recent post couldn’t be independently verified. He didn’t cite a source for the $50 billion “fake money” purchase or the fact that “no one showed up.”

    However, the same day he made his post, the U.S. Treasury did see weak demand for a $16 billion sale of 20-year bonds, as investors grew uneasy over the country’s mounting debt.

    The auction followed Moody’s downgrade of the U.S. sovereign credit rating last Friday — a move Kiyosaki warns could have dire consequences:

    “A Moody’s downgrade will probably mean higher interest rates which means a U.S. recession, which means the economy will slow, unemployment will climb, bond market, housing market, and weak banks may fail … which may mean 1929 Depression.”

    But amid the gloom, he also sees a silver lining — literally.

    “Good news. Gold will go to $25,000. Silver to $70. Bitcoin to $500k to $1 million,” he wrote, before ending with a stark note: “May God have mercy on our souls.”

    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.

    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, surpassing $3,000 per ounce in April 2025.

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

    Ray Dalio, the founder of 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.”

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

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

    Even better, you can often roll over existing 401(k) or IRA accounts into a gold IRA without tax-related penalties. To learn more, get your free 2025 information guide on investing in precious metals.

    Qualifying purchases can also receive up to $20,000 in free silver.

    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 — revisited

    In light of his dire outlook, Kiyosaki suggested a few steps individuals could take to protect themselves — and highlighted the power of one income-generating asset.

    “I have always recommended people become entrepreneurs, at least a side hustle, and not need job security. Then invest in income-producing real estate, in a crash, which provides steady cash flow,” he wrote on X.

    Real estate has long been a favored asset for income-focused investors. While stock markets can swing wildly on headlines, high-quality properties often continue to generate stable rental income.

    It can also be a powerful 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.

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

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

    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 invest in real estate is with 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.

    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, 2024, he predicted, “Bitcoin will soon break $100,000.” On Dec. 4 the cryptocurrency surpassed that milestone, grabbing headlines worldwide.

    But in Kiyosaki’s view, that’s just the beginning. He sees Bitcoin climbing much higher — potentially reaching $500,000 to $1 million.

    He’s not alone in that view. Twitter co-founder Jack Dorsey said 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 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.

    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.

  • ‘You should own your property free and clear’: Ron DeSantis slams property taxes in America — compares it to buying a TV at Best Buy and having to pay taxes on it each year. Do you agree?

    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.

    If you own property in America, you get a property tax bill every year — something homeowners are all too familiar with. Yet Florida Governor Ron DeSantis believes it shouldn’t have to be that way.

    “You should own your property free and clear,” DeSantis said at a recent roundtable in Jacksonville. “I think to say that someone that’s been in their house for 35 years just has to keep ponying up money — you don’t own your home, if that’s the case.”

    Then he offered an analogy to drive the point home.

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    “If I go to Best Buy and buy a flat screen TV and put it on the wall, I got to pay a sales tax on it, right? But I don’t keep paying tax on it every year,” he said. “That’s not how we do things. If you’re going to tax something, you tax it at the transaction, and then let people actually enjoy their private property, free and clear of the government.”

    DeSantis called this his “vision” and “philosophical insight.”

    Simply put, he argues that if you truly own something, you shouldn’t have to keep paying for it year after year. But while he describes this as a matter of principle, experts point out that property taxes play a vital role in funding local government and public services.

    According to the Florida Policy Institute, the state’s tax on real property accounts for 18% of county revenue, 17% of municipal revenue and between 50% and 60% of school district funding. Property taxes also help local governments address community needs, including police and fire protection, education and safety net programs.

    ‘The math just doesn’t add up’

    DeSantis also emphasized that families are already under financial pressure.

    “You talk about a family of four, having the median home price that is purchased in Florida — that’s a pretty hefty tax bill right there, when you come in after buying a home, when you consider what the average income is throughout the United States of America — the math just doesn’t add up and I think that’s why people want relief,” he said.

    The surge in property taxes across Florida hasn’t gone unnoticed.

    According to a Redfin report, the Sunshine State is home to three of the five major U.S. metros where property tax bills have increased the most since before the pandemic. In Jacksonville, the median monthly property tax rose 59.6% to $228 between 2019 and 2024. Tampa’s increased 56.7% to $250, while Miami’s climbed 48.1% to $367.

    To help address the burden, DeSantis proposed a $1,000 property tax rebate for Florida homeowners, but the initiative has been left out of this year’s budget and will be revisited for next year’s ballot instead.

    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

    Hedging against the rising cost of living

    The blunt reality is, inflation has steadily pushed up the cost of living across America — and for many, investing in real estate has become a trusted way to help offset those increases.

    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.

    And while owning a home may feel increasingly out of reach, investing in real estate has become easier than ever thanks to Crowdfunding platforms like Arrived.

    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.

    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 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: 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

    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

    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 tiny hot Costco item has skyrocketed 73% in price in under 2 years — but now the retail giant is restricting purchase. Here’s how to buy the coveted asset in bulk

    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.

    For bargain hunters, Costco has long been a go-to destination. The warehouse giant famously still sells its hot dog and soda combo for $1.50 — the same price it launched with back in the mid-1980s. But not every Costco item has held its price as stubbornly as the hot dog combo.

    Case in point: gold bars.

    Don’t miss

    In late 2023, Costco began selling 1-ounce gold bars. At the time, shoppers could choose between two types: the PAMP Suisse Lady Fortuna Veriscan bar and the Rand Refinery bar, priced at $1,979.99 and $1,949.99, respectively, according to Business Insider. Despite the hefty price tag, both quickly became hot sellers.

    “When we load them on the site, they’re typically gone within a few hours,” then-CFO Richard Galanti said during a September 2023 earnings call. “And we limit two per member.”

    Fast forward to today, and not much has changed — except the price.

    As of June 2, 2025, the Rand Refinery 1-ounce bar is listed at $3,369.99, while the PAMP Suisse version is priced at $3,389.99. That marks a 73% and 71% increase, respectively, in less than two years.

    But the jump in price is in line with the broader gold market, which has surged roughly 72% over the same period. What’s more surprising is the continued demand.

    Both the Rand Refinery and the PAMP Suisse gold bars are out of stock on Costco’s website at the time of writing, and the company has tightened purchase limits. Customers are now restricted to “one transaction per membership, with a maximum of two units per 24 hours.”

    Why investors are flocking to gold

    Gold has long been viewed as a way to preserve purchasing power. Unlike fiat currencies, it can’t be printed at will by central banks.

    It’s also considered 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.

    That’s exactly what appears to be happening now. Markets are getting whipsawed by tariff uncertainty, rising deficits and global tensions — and gold has emerged as a rare bright spot.

    Many high-profile investors are sounding bullish. Jeffrey Gundlach, founder of DoubleLine Capital and known as the “Bond King,” recently predicted that gold could climb to $4,000 an ounce.

    Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, also 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.”

    While Costco has imposed purchase limits on its gold bars, many bullion dealers still offer gold coins and bars without such restrictions. Just be sure to check the premium — dealers (including Costco) typically sell gold at a markup over the spot price.

    Another 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 for preserving their purchasing power — real estate has also proven to be a powerful tool.

    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.

    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 way to invest in real estate is through crowdfunding platforms like Arrived, which 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.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

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

  • Grant Cardone argues that owning a home in America is not an ‘investment’ if you live there, pay expenses — says he’d rather pay $2,400 in rent versus $2,400 in mortgage. Do you agree?

    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.

    To buy or to rent? It’s one of the most enduring financial debates — and for good reason. For most people, buying a home is the biggest financial decision they’ll ever make.

    While the choice is deeply personal and depends on individual circumstances, real estate mogul Grant Cardone says there’s no debate at all.

    Don’t miss

    “I’d rather pay $2,400 in rent than $2,400 in mortgage, because I can get out of that rent every 10 months — that mortgage is 30 years” he said in an interview with YouTuber Kevin Cooney.

    Cardone points out that renting offers more flexibility. Lease agreements are shorter and easier to break than the time-consuming process of buying and selling a home. But for him, the bigger difference is how many expenses you’ll have.

    “If you live in your home and you pay the expenses of the home, that is not an investment. That is an expense by definition, and by the way, your home should not even go on your net worth statement,” he told Cooney.

    Cardone elaborated that homeowners are on the hook for HOA fees, property taxes, ongoing maintenance — and what he called “out of control insurance.”

    Those costs can add up quickly. According to a new study by Bankrate, the “hidden costs” of owning a typical single-family home in the U.S. amount to $21,400 in 2025 — covering everything from property taxes and insurance to maintenance, repairs and utilities. And that’s all on top of mortgage payments.

    Cardone is willing to get a mortgage — as long as someone else pays it

    To be clear, Cardone isn’t opposed to owning a property. After all, he’s a seasoned real estate investor who has built a fortune through property deals. But there’s a key distinction: He’s only willing to take on debt when it’s tied to an income-generating asset.

    “I would rather pay 7% on a mortgage that a renter pays than 3% on my home that I pay,” he told Cooney.

    That’s a bold statement. While many homeowners chase the lowest mortgage rate possible for their primary residence, Cardone believes they’re missing the point. From his perspective, it’s not about the rate — it’s about who’s covering the cost.

    Still, it’s important to note that not every rental property will generate enough income to fully cover the mortgage — especially in today’s market. Whether or not the rent offsets your costs depends on several factors, including the property’s location, purchase price, interest rate and local rental demand.

    Plus, even if you own a rental property, you’re still on the hook for the usual homeowner expenses — and finding reliable tenants is no guarantee. In fact, 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.

    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

    Become a real estate mogul, starting with just $100

    Crowdfunding platforms like Arrived have made it easier than ever for everyday investors to access the real estate market.

    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.

    For accredited investors, Homeshares gives access to the $35 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 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.

    Or, you may want to explore 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

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

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

  • Robert Kiyosaki warns of ‘violent summer’ in the US — urges Americans to ditch ‘fake money’ and put it into ‘God’s money’ instead. Do you own any?

    Robert Kiyosaki warns of ‘violent summer’ in the US — urges Americans to ditch ‘fake money’ and put it into ‘God’s money’ instead. 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.

    Rich Dad, Poor Dad author Robert Kiyosaki has just issued a dire warning for Americans.

    “CIVIL WAR has begun. ICE raids in Los Angeles erupt into mass violence,” he recently wrote in a post on X. “I believe we and the world are in for a long, hot, violent summer.”

    The unrest follows President Donald Trump’s immigration raids, which have triggered protests and clashes with law enforcement. So much so, that California Governor Gavin Newsom recently accused Trump of wanting “a civil war on the streets” during an interview with Fox’s L.A. affiliate, KTTV.

    Don’t miss

    Trump then pushed back in a press conference on June 9, saying he doesn’t want one — but warned that a civil war “would happen if you left it to people like [Newsom].”

    Amid the escalating tension, Kiyosaki linked the turmoil to the Fourth Turning, a generational theory by authors Neil Howe and William Strauss. According to the theory, society moves in roughly 80-year cycles marked by periods of upheaval that reset political and economic systems.

    Kiyosaki pointed out that previous Fourth Turnings included the American Revolution, the Civil War and the Great Depression/World War II. He believes the current cycle is about redefining one fundamental concept: money.

    “The issue is our bankers are stealing the wealth of the people via FAKE money, counterfeit money the central bankers print,” he wrote. “I trust the era of bankers ripping off the world is coming to an end. Sound money, gold, silver, and Bitcoin take away the power [from] the corrupt bankers … Stop saving fake money. Save gold, silver, and Bitcoin.”

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

    ‘God’s money’

    “As I have said for years, gold and silver are ‘God’s money,’” Kiyosaki wrote. The famed author has been advocating for precious metals for decades.

    In October 2023, he predicted 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.”

    Prices surged in 2024 and have continued to climb through 2025, recently surpassing $3,300 per ounce.

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

    Kiyosaki isn’t alone in highlighting gold as a critical asset.

    Ray Dalio, the founder of 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.”

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

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

    Even better, you can often roll over existing 401(k) or IRA accounts into a gold IRA without tax-related penalties. To learn more, get your free 2025 information guide on investing in precious metals.

    Qualifying purchases can also receive up to $20,000 in free silver.

    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

    ‘Steady cashflow’ — even in a crash

    In a recent post on X, Kiyosaki outlined a few steps individuals could take to protect themselves from a recession — and pointed to the power of one income-generating asset.

    “I have always recommended people become entrepreneurs, at least a side hustle, and not need job security. Then invest in income-producing real estate, in a crash, which provides steady cash flow,” he wrote on May 19.

    Real estate has long been a favored asset for income-focused investors. While stock markets can swing wildly on headlines, high-quality properties often continue to generate stable rental income.

    It can also be a powerful 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.

    Perhaps that’s why Kiyosaki once told personal finance YouTuber Sharan Hegdehe that he owns 15,000 houses — strictly for investment purposes.

    Today, you don’t need to be as wealthy as Kiyosaki to get started in 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.

    Another option is Homeshares, which gives access to the $30 trillion-plus 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.

    ‘People’s money’

    Kiyosaki has shown unwavering enthusiasm for Bitcoin — the world’s largest cryptocurrency.

    “Bitcoin is ‘people’s money,’” he wrote on X.

    It’s an interesting way to describe a decentralized cryptocurrency that operates outside the control of central banks. Bitcoin has been one of the top-performing assets of the past decade — and Kiyosaki believes its best days are still ahead.

    “Bitcoin [will go from] $500K to $1 million,” he predicted in May.

    He’s not the only one with such bold expectations. Twitter co-founder Jack Dorsey said in a May 2024 interview with Mike Solana 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 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.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

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

  • Ray Dalio warns Americans the current chaos is much bigger than tariffs — claims the era of US dominance is over and sees ‘big disruptive’ shifts ahead. 2 simple ways to protect yourself

    Ray Dalio warns Americans the current chaos is much bigger than tariffs — claims the era of US dominance is over and sees ‘big disruptive’ shifts ahead. 2 simple ways to protect yourself

    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.

    Waves of tariffs from President Donald Trump — despite a temporary pause on many — has unleashed chaos across global markets, reigniting trade tensions and rattling investors. But billionaire hedge fund manager Ray Dalio says the real storm is still to come.

    On April 7, in a lengthy social media post, Dalio argued that the recent tariff drama is merely a symptom of deeper, structural problems.

    “We are seeing a classic breakdown of the major monetary, political, and geopolitical orders,” he wrote.

    Dalio outlined five forces he described as reshaping the global landscape.

    Don’t miss

    1. The global monetary order

    Dalio said the global economic order is breaking down due to unsustainable debt and deep imbalances between debtor nations like the U.S. and creditor nations like China. As these imbalances unwind, Dalio warned the current monetary order will be forced to change in “big disruptive ways”, with major consequences for capital markets and the broader economy.

    2. The political order

    Dalio sees the political order of democracies breaking down under the weight of what he calls “huge gaps” in people’s education, income and opportunity levels, as well as values. He said history shows this kind of environment often gives rise to “strong autocratic leaders” — especially when paired with economic and market turmoil.

    3. The global power structure

    Dalio was blunt on this point: “The international geopolitical world order is breaking down because the era of one dominant power (the U.S.) that dictates the order that other countries follow is over.” He argued it’s being replaced by a “unilateral, power-rules” approach. While the U.S. remains the most powerful nation, Dalio said it is now operating under a more self-interested, “America First” framework.

    4, 5. Nature and technology

    Dalio added that “acts of nature” — such as floods and pandemics — are becoming more disruptive, while rapid advances in technology — such as artificial intelligence — are impacting “all aspects of life, including the money/debt/economic order, the political order, the international order, and the costs of acts of nature.”

    Beyond the tariffs

    Dalio didn’t offer specific investment advice in his post. But in a February interview with CNBC, he noted the importance of diversification — and pointed to the role of one time-tested asset.

    “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 is considered a go-to safe haven. 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 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 around 35%.

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

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

    Even better, you can often roll over existing 401(k) or IRA accounts into a gold IRA without tax-related penalties. To learn more, get your free 2025 information guide on investing in precious metals.

    Qualifying purchases can also receive up to $20,000 in free silver.

    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 tangible hedge with passive income

    Many experts — including Federal Reserve Chair Jerome Powell and JPMorgan CEO Jamie Dimon — have warned that Trump’s tariffs could trigger a significant rise in inflation.

    While gold remains a classic hedge, real estate offers a time-tested alternative — with the added benefit of generating passive income.

    When inflation rises, property values often increase as well, reflecting the higher cost of materials, labor and land. At the same time, rising living expenses tend to push rents higher, helping landlords offset the erosion of purchasing power.

    Traditionally, investing in real estate meant buying property outright and becoming a landlord. New investing platforms are making it easier than ever to tap into the real estate market.

    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.

    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.

    Consult a professional

    Navigating today’s financial landscape can feel overwhelming. With markets swinging wildly and expert opinions often clashing, it’s difficult to know where to put your money. If you’re finding it difficult to make sense of the noise, now could be the right time to get in touch with a financial advisor.

    FinancialAdvisor.net is a free online service that helps you find a financial advisor who can help you create a plan to reach your financial goals. Just answer a few questions and their extensive online database will match you with a few vetted advisors based on your answers.

    You can view advisor profiles, read past client reviews, and schedule an initial consultation for free with no obligation to hire.

    What to read next

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

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

  • Rick Rule warns the US dollar will ‘lose 75%’ of its buying power in 10 years — reveals 1 shockproof asset he owns because he’s ‘afraid’ it will spike 249%. Is your nest-egg protected?

    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.

    If you go by the official numbers, the inflation spike of 2022 may feel like a thing of the past. But according to legendary investor Rick Rule — former president and CEO of Sprott U.S. Holdings — the U.S. dollar’s erosion in purchasing power is far from over.

    The culprit, he says, is America’s massive and growing debt burden.

    “The net present value of off-balance-sheet liabilities, which is to say Medicare, Medicaid, Social Security, federal pensions, military pensions — the net present value of unfunded federal promises in the United States exceeds $100 trillion,” Rule said in a recent interview with Kitco.

    Don’t miss

    While the official U.S. national debt currently stands at $36.22 trillion, some experts estimate that unfunded liabilities are upwards of $70 trillion, pushing the total past $100 trillion.

    Rule warns that serving that debt will come at a cost to everyday Americans.

    “We will have to allow the purchasing power of the U.S. dollar to decline so that we can honor our nominal debts while not honoring our real debts,” he explained in the interview. “I believe because of this $100 trillion in unfunded entitlement liabilities, that the U.S. dollar will lose 75% of its purchasing power over 10 years.”

    It’s a stark outlook — but not without precedent. Rule pointed to the dollar’s steep decline in the 1970s as an example of how quickly purchasing power can evaporate.

    After all, $100 in 2025 has the same purchasing power as just $12.05 in 1970, according to the Federal Reserve Bank of Minneapolis inflation calculator.

    Rule doesn’t save in dollars — he saves in this asset

    If Rule’s prediction of a 75% drop in the U.S. dollar’s purchasing power over the next decade proves accurate, it could mean serious trouble for anyone holding the greenback. So what does he rely on?

    “I maintain liquidity in things like the U.S. dollar and the Canadian dollar — I save in gold,” he told Kitco.

    Gold has served as a store of value for thousands of years — and for good reason. Unlike fiat currencies, the precious metal can’t be printed at will by central banks, making it a natural hedge against inflation and currency devaluation.

    Over the past 12 months, gold prices have surged by more than 40%. But Rule believes that’s just the beginning, given how much real value the dollar is expected to lose.

    “I believe that over the next 10 years, gold’s appreciation, at least in nominal terms, will mirror the devaluation of the purchasing power of the U.S. dollar,” he said. “I don’t own gold because I hope it’ll go to $3,500, I own gold because I’m afraid it’ll go to $12,000.”

    Considering where gold is trading today, $12,000 would represent a potential upside of roughly 250%.

    Rule isn’t alone in turning to gold as a safeguard. Ray Dalio, founder of Bridgewater Associates — the world’s largest hedge fund — also sees it as a key component 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 American Hartford Gold.

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

    Even better, you can often roll over existing 401(k) or IRA accounts into a gold IRA without tax-related penalties. To learn more, get your free 2025 information guide on investing in precious metals.

    Qualifying purchases can also receive up to $20,000 in free silver.

    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.

    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 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

    Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.

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