Personal Finance
Saving, budgeting, debt, mortgages, pensions, taxes, financial independence and consumer rights across US, European and Dutch sources.
About this list
This reading list brings together items from the sources selected for Personal Finance. Open each item at its original source for the complete article, episode or video. This is a selection of current coverage, not a complete archive.
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You Can’t Build Wealth in Financial Chaos | October 13, 2026
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan → https://ramsey.solutions/yo0vkt ❓ Have a money question? Ask Ramsey is here to help → https://ramsey.solutions/2ffdw1w0 Dave Ramsey and George Kamel answer your questions and discuss: - “My wife’s mom maxed out a credit card in my wife’s name—should we treat this as our debt?” - “I did everything right, but my medical bills exhausted my retirement savings.” - “Is it irresponsible for me to buy a duck hunting boat while I have $250,000 of student loan debt?” - “How do I gain back my husband’s trust after gambling behind his back?” - “My dad is in a bad spot financially, I want to give him some money but my wife doesn’t want me to. What should I do?” From Today's Episode: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email: https://ramsey.solutions/lal3wnh7 💻 New to the show and want to learn more? Check out our 7 Baby Steps - https://ramsey.solutions/f3j22rrk 💰 How much do you need to invest each month to retire a millionaire? - https://ramsey.solutions/il2dlbed 💵 Eliminate debt for free with EveryDollar - https://ramsey.solutions/3mo2df 🚢 Cruise With Dave Ramsey and 2,500 Ramsey People - https://ramsey.solutions/rax0bq1s ❤️🩹 Get trusted insurance coverage that fits your budget - https://ramsey.solutions/buei4459 💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses. - Connect with our Sponsors: - Go to Angel to discover entertainment you can feel good about. → https://www.Angel.com/Ramsey - Get 10% off your first month of BetterHelp. → https://www.betterhelp.com/Ramsey - Go to Boost Mobile to switch today! → https://www.boostmobile.com/ramsey - Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! → https://www.askchapter.org/ramsey - Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. → https://www.cbac.com/ramsey - Receive 50% cre
What if China keeps selling US Treasuries?
What happens if China keeps selling U.S. Treasuries? First, U.S. interest rates could go up, making mortgages, credit cards, and, of course, car loans a lot more expensive. But what does that mean for Americans? Find the full answer in my video: China’s Plan To Destroy The Dollar
The US Should Learn From The GBP Crash
The pound was overvalued. The UK couldn't defend it forever, and eventually, it would be forced to make a choice: either devalue the pound or leave the ERM. The US, with Scott Bessent, should learn from the 1990s pound crash. Find the full story in my video: China’s Plan To Destroy The Dollar
Parents Didn't Plan For Retirement - Now Asking Us For Money
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s
Trump Just Started The Debt Spiral
The Debt Spiral Has Started ► Go to https://ground.news/jikh to access world-wide perspectives in one place, compare coverage, and stay fully informed on our economy and more. Subscribe for 40% off unlimited access through my link ► Premium Membership (extra videos, early access): https://www.youtube.com/channel/UCGy7SkBjcIAgTiwkXEtPnYg/join ► Deposit $100 & Get 12 Free Stocks: https://www.webull.com/k/andreijikh ► My Stock Portfolio + Tracker https://www.funvest.com ► How To Protect Your Bitcoin (step by step), use Code "ANDREI40" to get 40% off https://stan.store/andreijikh ► Fund your account and get up to 4% with WeBull: https://www.webull.com/k/AndreiJikh ► Where I Buy My Bitcoin: https://gemini.sjv.io/7a0OL5 ► How I went from Zero To A Million: https://www.zerotoamillion.com ► Ledger Discount Link: https://shop.ledger.com/pages/black-friday-andrei-jikh?r=535643c13ab0 ► My Stock Portfolio + Stock Tracker: https://www.patreon.com/andreijikh ► Open A Roth IRA: ► Follow Me On Instagram: https://www.instagram.com/andreijikh/ ► How I Protect My Bitcoin: https://shop.ledger.com/pages/ledger-nano-x?r=535643c13ab0 DISCLOSURE: None of this is meant to be construed as investment advice, it's for entertainment purposes only. Links above include affiliate commission or referrals. I'm part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future. You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change
$28,000 Upside Down On A Car?
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan → https://ramsey.solutions/yo0vkt ❓ Have a money question? Ask Ramsey is here to help → https://ramsey.solutions/2ffdw1w0 From Today's Episode: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email: https://ramsey.solutions/lal3wnh7 💻 New to the show and want to learn more? Check out our 7 Baby Steps - https://ramsey.solutions/f3j22rrk 💵 Eliminate debt for free with EveryDollar - https://ramsey.solutions/uyggmv Connect with our Sponsors: - Go to Angel to discover entertainment you can feel good about. → https://www.Angel.com/Ramsey - Get 10% off your first month of BetterHelp. → https://www.betterhelp.com/Ramsey - Go to Boost Mobile to switch today! → https://www.boostmobile.com/ramsey - Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! → https://www.askchapter.org/ramsey - Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. → https://www.cbac.com/ramsey - Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY. → https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org → http://ChurchillMortgage.com/RamseyOffer Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. → https://www.joindeleteme.com/Ramsey - Go to FAIRWINDS Credit Union for an exclusive account bundle. → https://www.fairwinds.org/ramsey - Debt collectors hassling you? Take back control of your life at Guardian Litigation Group → https://www.GuardianLit.com/Ramsey - Save up to 50% on health insurance. Talk to a Health Trust Financial a
High Income Doesn't Mean High Net Worth
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s
Your Future Is Worth the Sacrifice | October 12, 2026
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan → https://ramsey.solutions/yo0vkt ❓ Have a money question? Ask Ramsey is here to help → https://ramsey.solutions/2ffdw1w0 Rachel Cruze and Jade Warshaw answer your questions and discuss: - “How do I help my aunt recover after being scammed by my brother?” - “I got laid off at 72, do I have enough to retire?” - “How can we teach our 25-year-old son to be more responsible?” - “Should we use our investments to pay off the mortgage?” - “What do we do with the extra income now that we've paid off our house?” From Today's Episode: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email: https://ramsey.solutions/lal3wnh7 💻 New to the show and want to learn more? Check out our 7 Baby Steps - https://ramsey.solutions/f3j22rrk 💰 How much do you need to invest each month to retire a millionaire? - https://ramsey.solutions/il2dlbed 💵 Eliminate debt for free with EveryDollar - https://ramsey.solutions/3mo2df 🚢 Cruise With Dave Ramsey and 2,500 Ramsey People - https://ramsey.solutions/rax0bq1s ❤️🩹 Get trusted insurance coverage that fits your budget - https://ramsey.solutions/buei4459 💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses. - https://ramsey.solutions/tpnkz8mu Connect with our Sponsors: - Go to Angel to discover entertainment you can feel good about. → https://www.Angel.com/Ramsey - Get 10% off your first month of BetterHelp. → https://www.betterhelp.com/Ramsey - Go to Boost Mobile to switch today! → https://www.boostmobile.com/ramsey - Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! → https://www.askchapter.org/ramsey - Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. → https://www.cbac.com/ramsey - Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY. → https://www.chministries.org/bu
$650,000 In Gambling Debt And Not Concerned About It
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s
Husband of 40 Years Has Secret Bank Accounts
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s
It’s Official: Americans Are Running Out Of Money
Download the FREE Upside App here https://yt.link/8xSk8ez and use code Graham25 to get an extra 25 cents back per gallon on your first tank of gas! Thank you Upside for sponsoring this video! Let's talk about why Americans are running out of money, the dangers to the economy, and what you can do moving forward - Enjoy! FOLLOW MY INVESTMENTS / STOCKS HERE: https://getblossom.onelink.me/SOfu/grahamstephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com AMERICANS ARE RUNNING OUT OF MONEY Major CEOs are warning that consumers are stretched thin, with even households earning around $100,000 beginning to shop more cautiously. Mortgage rates are above 7%, gasoline prices have surged, airfare is up sharply, and everyday costs across food, housing, insurance, and transportation continue to climb. EVERYDAY COSTS KEEP RISING New-car payments have hit record highs, used-car prices remain elevated, auto insurance and maintenance cost more, and fuel prices are up significantly. Housing is also more expensive, with higher rents, mortgage payments, utilities, and homeowners insurance. Food and travel costs have increased as well, meaning more of each paycheck is being consumed before discretionary spending even begins. WAGES AREN’T KEEPING UP WITH EVERYTHING Average wages have risen about 4.1%, but many of the largest household expenses are increasing at similar or faster rates. At the same time, borrowing costs for mortgages, credit cards, auto loans, and personal loans have risen, creating a cycle where consumers with less cash available must borrow at increasingly expensive rates. THE SAVINGS CUSHION IS DISAPPEARING The personal savings rate has fallen to roughly 3%, meaning the average household is setting aside very little for emergencies. About half of Americans reportedly cannot comfortably cover an unexpected $500 expense, while companies are seeing lower-income households dip into savings simply to maintain normal spending. THE ECON
“We have 4 kids and nearly $1M in debt. Are we screwed?”
Rebecca and Matthew have been married for 16 years and have four children. They earn around $185,000 a year, but inconsistent income, mounting debt, and years of avoiding difficult money conversations have left them feeling overwhelmed and unsure about their future. Ramit Sethi digs into their numbers, their communication patterns, and the decisions they may need to make to finally regain control of their money.
Why Smart People Buy Cars They Can’t Afford
🚗 Buying your dream car feels a lot better when it doesn’t slow down your financial future. Join Road to $100K to build a personalized plan that helps you grow your wealth first, then spend with confidence: https://iwt.com/100k-yt “I can afford the monthly payment” is one of the most expensive sentences you can say. In this video, I react to real car buying mistakes and break down the hidden costs that turn a simple purchase into a long-term financial drag. The problem isn’t the car—it’s the math people never run. THIS VIDEO IS BROUGHT TO YOU BY ➡️ Facet | As of the date of this recording, Facet is waiving their enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples” 🎟️ COME TO MY NEXT LIVE EVENT * Virtual and In-Person Events: https://iwt.com/events 🤳 CONNECT WITH RAMIT * Instagram: https://www.instagram.com/ramit/ * X: https://twitter.com/ramit ✅ SUBSCRIBE SO YOU DON’T MISS ANY VIDEOS https://youtube.com/user/ramitsethi/featured/ ⏩ CREATORS & CONTENT FEATURED IN THIS VIDEO → TheBeaverFamily https://www.tiktok.com/@lovebeav/video/7450632030389308718 → Marina Mogilko & Humphrey Yang https://www.tiktok.com/@humphreytalks/video/7322969856977128750 → Kee & Co. https://www.tiktok.com/@pricey.mami/video/7506233751316204842
The Housing Market Is Completely F*d
Download Rocket Money and get a trial of Premium+ today at: https://RocketMoney.com/Graham | Let's discuss the bond market collapse, rising interest rates, and how this is going to affect the housing market - Enjoy! Add me on Instagram: GPStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com BOND MARKET COLLAPSE Mortgage rates have surged to roughly 7.5% while long-term Treasury yields are near their highest levels in more than 20 years. Because bond prices and yields move in opposite directions, rising yields mean investors are demanding significantly higher returns to lend money to the government. That matters because Treasury yields effectively set the baseline for mortgages, corporate debt, stocks, real estate, and almost every other asset. INFLATION AND OIL ARE PUSHING RATES HIGHER Inflation remains elevated while oil has moved back above $100 per barrel. At the same time, negotiations surrounding the Strait of Hormuz have broken down, creating the possibility of even higher energy prices. If oil stays elevated, inflation could remain stubborn, forcing the Federal Reserve to keep rates higher or potentially raise them further. THE GOVERNMENT DEBT PROBLEM The United States is running roughly $2 trillion annual deficits while constantly issuing new Treasury bonds to finance spending. The problem is that this new supply is hitting the market at the same time investors are demanding higher yields. Higher borrowing costs then increase government interest expense, which contributes to larger deficits and even more borrowing. HOUSING DEMAND IS BREAKING DOWN Higher mortgage rates are hitting transactions before prices. Mortgage applications have fallen toward levels not seen since the early 1990s, while Redfin reports 58% more sellers than buyers. In markets including Las Vegas, Miami, Houston, Orlando, and Nashville, there are more than two sellers for every buyer. Builders and sellers are increasingly using price cuts and conc
“$0 Tax On ALL Profits!” - This NEW Housing Market Proposal Is INSANE
Go to https://surfshark.com/graham or use code GRAHAM at checkout to get 4 extra months of Surfshark VPN! | Let's talk about a potentially new new housing market proposal to remove capital gains tax, and the impact this would have across the entire housing market - Enjoy! Add me on Instagram: GPStephan Join The Mastermind: http://www.entertheindex.com/ START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com $0 TAX ON HOME SALE PROFITS? There are discussions around dramatically expanding the capital gains exclusion when Americans sell real estate, including the possibility of allowing homeowners to exclude as much as $1 million in profit. If something like this became law, it could have major consequences for homeowners, investors, buyers, sellers, and the entire housing market. THE CURRENT CAPITAL GAINS EXCLUSION Right now, homeowners can generally exclude up to $250,000 of capital gains when filing single, or $500,000 when married filing jointly, as long as they owned and lived in the property for at least two of the previous five years. Those limits were established in 1997 and have never been indexed to inflation, even as home prices have increased substantially. WHY THE $500,000 LIMIT MATTERS For longtime homeowners in expensive markets, the existing exclusion can leave a significant amount of appreciation subject to federal capital gains taxes. Simply adjusting the original $500,000 married exclusion for inflation would put it at roughly $1 million today. COULD INVESTMENT PROPERTIES QUALIFY? This is where the potential impact becomes much larger. Rental properties generally do not qualify for the primary residence exclusion unless the owner satisfies the residency requirements. If lawmakers ever extended a large capital gains exclusion to investment properties, millions of landlords could suddenly have a major financial incentive to sell. MILLIONS OF RENTALS COULD HIT THE MARKET There are roughly 49 million rental units througho
Ranking Money Habits 💰
Add me on Instagram: GPStephan PROMOTIONAL OFFER: Get a TRANSFER BONUS when you sign up and make a deposit using my paid affiliate link for WeBull: https://www.webull.com/k/GrahamStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
The True "Alpha Male" Test 💀
Add me on Instagram: GPStephan PROMOTIONAL OFFER: Get a TRANSFER BONUS when you sign up and make a deposit using my paid affiliate link for WeBull: https://www.webull.com/k/GrahamStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
Togi's Loan Shark Exposed 💀
Add me on Instagram: GPStephan PROMOTIONAL OFFER: Get a TRANSFER BONUS when you sign up and make a deposit using my paid affiliate link for WeBull: https://www.webull.com/k/GrahamStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business inquiries, you can reach me at grahamstephanbusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice.
BREAKING: The FED Just RAISED Interest Rates - Stocks Falling, Housing Market FROZEN!
Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: https://incogni.com/graham | Let's talk about the Federal Reserve Rate hike, The Stock Market, and what this means for the economy - Add me on Instagram: GPStephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com THE FED JUST RAISED INTEREST RATES For the first time since 2023, the Federal Reserve raised interest rates by 25 basis points, potentially marking the end of the rate-cutting cycle. Inflation remains above target, the labor market is still relatively strong, and policymakers appear to believe the economy can withstand higher borrowing costs. WHY INFLATION IS STILL A PROBLEM Producer prices and consumer inflation have remained elevated, while higher energy prices continue adding pressure throughout the economy. As long as inflation stays stubborn, the Federal Reserve has less room to lower rates—and potentially more justification to keep them higher for longer. THE BOND MARKET IS ALREADY RAISING RATES The Federal Reserve directly controls short-term rates, but longer-term borrowing costs are determined largely by the bond market. Treasury yields have already moved substantially higher as investors demand greater compensation for inflation, government borrowing, and long-term uncertainty. WHAT HIGHER RATES MEAN FOR STOCKS Stocks have spent much of the last few years benefiting from expectations of cheaper money. Strong economic data can now work against the market if it gives the Federal Reserve more room to maintain higher rates. At the same time, elevated bond yields increasingly compete with stocks for investor capital. THE HOUSING MARKET IS FEELING IT Mortgage rates have moved higher while housing inventory has increased, giving buyers more options in certain markets. Some cities are already experiencing year-over-year price declines, although historically higher rates alone have not necessarily caused home p
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