Welcome Anon.
We're glad you're staying curious about the future of crypto and tech.

Let's dive into a reality check.

Saving money has little to do with becoming wealthy or financially independent in this new tech-driven economy.

Turning down the thermostat to save a few bucks off your energy bill will not make you rich.

Buying the generic brand of cola vs Coca Cola will not boost your retirement account in the next 3 years – especially if you need 10+ years of compounding interest to "catch up".

Inflation is destroying idle cash that is not being put to work every day.

The dollar of today will buy fewer goods tomorrow, as seen across food, real estate, and energy.

Wealth is about putting what you have to work into opportunities that meet or exceed your goals.

This is what investing is about – which is different from saving.

So you found an extra $356.23 a month by cutting back expenses. Bravo.

Now what?

What will you do with the $356.23/month in savings to fund your wealth/ retirement/ income goals?

And how long before inflation ravages your "savings" exercise from $356.23 to $210.34 to less than $100/month?

Meaning the rent goes up, food costs more, energy costs more, and anything else your lifestyle needs increases.

The mental energy it takes to become a "coupon-cutting-cost-savings-ninja" is better served by becoming a modern wealth-strategist.

Researching ways to grow wealth through business, investments, and/or the strategic guidance of a fiduciary advisor is time better spent.

Unfortunately, most fail to see that "cutting expenses" is not the same as "growing wealth".

Compounded growth doesn't appear out of thin air.

It only comes from putting money to work.

Savings (i.e. cutting expenses) with no growth plan is the death of a thousand cuts.

Alive and dying simultaneously.

Let's look at some pretty graphs to see how the middle-class are financially alive and dying.


From 2010 to 2020, the middle-class median income went up roughly $10K, from nearly $80K to $90K.

That's a $1,000 per year raise.

Most didn't see the impact of that "raise" as the cost of living increased by more than $1,000+.

Compared to the upper-class, median income went up by roughly $134K!
From about $185K to over $219K+.

Or $13,400+ per year.
13.4X greater income increase than the middle-class.

And we're willing to bet this growth didn't happen because they decided to start buying bulk groceries at Sam's Club, eating out only once a month, and skipping their daily Starbucks addiction.

The history of the "have" vs the "have-nots" is a brutal and bloody timeline.

It fuels wars, uprisings, extreme dictatorships, depressions, populist movements, freedom revolts, and instability spanning decades.

As history repeats itself – here we are.

Since 1971, low income households (under $30K crowd) have risen by 4%.

Middle income households ($30K - $90K crowd) have decreased by 11%.

Upper income households ($185K+ crowd) have increased 7%.

Meaning of the 11% that left the middle class... about 36% downgraded into low-income households, and 64% made an upgrade into the upper-income bracket.

Outside of catastrophic life events, upgrades and downgrades are a series of personal choices that produce either favorable or dismal results.

The middle-class are debt-heavy, cash-strapped, and can't seem to cut expenses fast enough to save them from their stressful fate of being unprepared to live a comfortable life beyond their 60's.

Let's add another cold-splash of reality.

About 50% of women ages 55 to 66 have no personal retirement savings, compared to 47% of men.


Not sure how Social Security will reconcile this math.

Nearly half of the population needs financial support as they phase out of their working years.

As for the inflation reality, here are a few scenarios to consider...

1) Interest rates go up and asset prices continue to go down. People cut back on buying, companies halt hiring and start laying off thousands, a recessionary period emerges.

2) Interest rates stabilize and assets stabilize (and soothes the pain for a season).

3) Interest rates go up and inflation continues to be high. The wealth gap turns into the wealth Grand Canyon that the low-to-middle class can't cross.

This is why we created Alt Monie.

To research alternative money opportunities powered by the internet evolution.

And to make crypto trend forecasts accessible to those who want to proactively avoid the middle-class fate and upgrade their life to its fullest potential.

For our premium subscribers, let's deep dive and discover what the crypto market has been up to since the last post...

Bitcoin's Trend

Week 18 of 52

This post is for paying subscribers only

Sign up now and upgrade your account to read the post and get access to the full library of posts for paying subscribers only.

Sign up now Already have an account? Sign in