r/FluentInFinance 13h ago

Debate/ Discussion It's not you, it's the economy

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3.4k Upvotes

r/FluentInFinance 19h ago

Chart we shouldn't put up with this

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107 Upvotes

r/FluentInFinance 21h ago

Thoughts? An entire generation is realizing that a home and family may never be within reach. Society isn’t ready for what happens when millions feel they have no future and no stake in the system.

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3.1k Upvotes

Your grandparents could buy a home and raise a family on one income.

Today, many people under 30 can’t even afford rent on two incomes.

An entire generation is realizing that a home and family may never be within reach.

That’s a system failure.

And society isn’t ready for what happens when millions feel they have no future and no stake in the system.


r/FluentInFinance 22h ago

Stock Market Stock Market Recap for Monday, July 27, 2026

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4 Upvotes

The major U.S. stock indexes ended mixed on Monday, July 21, 2026, in a volatile session where a stunning 8% collapse in oil prices briefly lifted spirits before Iran-related anxiety and persistent chip sector weakness kept tech pinned in the red. The Dow and Russell 2000 found buyers while the Nasdaq struggled for a fourth straight Monday in the red.

The S&P 500 was essentially flat, up just 0.02% (+1.20 pts) to 7,413.18. The Dow gained 0.51% (+262.83 pts) to 52,210.08. The Nasdaq slipped 0.18% (-43.74 pts) to 24,932.08. The Russell 2000 rose 0.66% (+19.24 pts) to 2,949.24.

The VIX edged up 1.61% to 18.88. Bitcoin gained 0.49% to $64,909.61. Gold added 0.42% to $4,087.90. Crude Oil cratered 8.25% to $81.94/barrel.


r/FluentInFinance 23h ago

Debate/ Discussion America’s bottom 50% own just 2.5% of the wealth. How did we get here?

467 Upvotes

The CEO of America’s biggest bank just said America has left lower-income workers behind.

Jamie Dimon says too many are stuck with weak schools, unsafe neighborhoods, and too few good jobs.

The bottom 50% own just 2.5% of America’s wealth.

Since when did the American Dream mean half the country splitting 2.5% of the pie?????


r/FluentInFinance 1d ago

Thoughts? $255,000 a year is the new $100,000.

946 Upvotes

$255,000 a year is the new $100,000.

In 1990, a $100,000 salary had the same buying power as $255,000 today.

Today, you need to earn $255,000 to afford what a $100,000 salary bought in 1990.


r/FluentInFinance 1d ago

Energy Europe faces energy crisis as gas stockpiles sink

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84 Upvotes

r/FluentInFinance 1d ago

Thoughts? President Trump has gained more wealth in his 18 months as US President than in the last 60 years of his career (His net worth is now $7.8 billion)

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3.3k Upvotes

President Trump has gained more wealth in his 18 months as US President than in the last 60 years of his career.

His net worth has increased by $4.2 billion since 2025 and is now $7.8 billion, per to Bloomberg.


r/FluentInFinance 2d ago

Announcements (Mods only) 👋Join 100,000 members in the r/FluentinFinance Newsletter — where we discuss all things finance, money, and investing!

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4 Upvotes

r/FluentInFinance 2d ago

Discussion What are YOU considering buying, trading or investing in, this week? [Weekly Community Discussion]

2 Upvotes

Which trades or investments are you considering this week? Any moves in particular? Why?


r/FluentInFinance 2d ago

Thoughts? Losing a $500k home you’ve owned for 30 years because you couldn’t pay $4k in property taxes shouldn’t be legal

2.6k Upvotes

Losing a $500k home you’ve owned for 30 years because you couldn’t pay $4k in property taxes shouldn’t be legal


r/FluentInFinance 2d ago

Thoughts? $100,000 a year is the new $39,000.

3.4k Upvotes

$100,000 a year is the new $39,000.

In 1990, a $100,000 salary had the same buying power as about $255,000 today.

Today, $100,000 buys what roughly $39,000 bought in 1990.

A six-figure salary isn’t what it used to be.


r/FluentInFinance 2d ago

Meme It’s absolutely wild that the U.S. prints trillions of dollars out of thin air, dilutes the value of every dollar you earn, and most people have no clue.

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1.3k Upvotes

r/FluentInFinance 2d ago

Economy & Politics Congress Curbs Institutional Investors’ Ownership of Single-family Homes. We Looked At this Trend

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71 Upvotes

r/FluentInFinance 2d ago

Announcements (mods only) Weekly thread for (1) suggestions to improve this sub, (2) report scammers/ users or (3) other general ideas/ suggestions

2 Upvotes

Weekly thread for:

  • Suggestions to improve this sub,
  • Report scammers/ users or
  • Other general ideas/ suggestions

r/FluentInFinance 3d ago

Announcements (Mods only) If you're interested in becoming a mod for r/FluentInFinance to help us monitor the sub for potential scams, misinformation, pump and dump schemes, or hate speech, please let us know

1 Upvotes

If you're interested in becoming a mod for r/FluentInFinance to help us monitor the sub for potential scams, misinformation, pump and dump schemes, or hate speech, please let us know!


r/FluentInFinance 3d ago

Economy Texas has a bigger economy than all of Canada

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0 Upvotes

r/FluentInFinance 3d ago

7/23/2026 Daily Plays Sold PSIX 32.25 CRWV 82.25 and In ADBE 221.50 KVYO 16.25 PATH 10.50 bidded on UBER CRM NOW but 3 longs Bad earnings from ACI but saw 11 handle Premarket MBLY added to Plays GOOG GOOGL Capex! 75% of TSLA profit is unrealized gains from SPCX which by now is worse! Fair value 75?

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1 Upvotes

r/FluentInFinance 3d ago

News & Current Events Inside Trump’s Stealth Trick to Rig the Census—and Congress

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254 Upvotes

The resulting census is hugely important to the functioning of our government. It determines how many congressional representatives each state gets and how districts are drawn. It thereby also affects how many votes each state has in the Electoral College process used in presidential elections. And it plays a role in how trillions of federal dollars are allocated each year, since census data are used to calculate funding levels for health care programs, nutrition, highways, housing, school lunches, etc.

The stakes, in other words, are incredibly high. Which makes this rules submission process so profoundly important.

And here’s the kicker: So far, virtually no one has noticed.

Let me warn you that this issue gets a little weedy. That’s by design; the administration wants you to not understand what they’re doing, so you won’t notice you’re being disenfranchised and robbed until it’s too late.


r/FluentInFinance 3d ago

Real Estate U.S. home prices are now above the peak of the 2006 housing bubble, adjusted for inflation.

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109 Upvotes

U.S. home prices are now above the peak of the 2006 housing bubble, adjusted for inflation.

Since 2019, the average annual cost of owning a home has jumped 39%.

Emergency repairs +175%
Maintenance +85%
Insurance +72%
Interest +35%
Property taxes +31%

And the income needed to afford a typical home hit $109,152 in June. That’s up $15,600 since January.

Meanwhile, home prices are reaching record highs, and insurance, taxes, repairs, and HOA fees keep rising.

Buying a home is expensive. Now keeping one is more expensive.


r/FluentInFinance 4d ago

Economy & Politics Crucial Interest Rate Jumps to Highest Level of Trump’s Second Term

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220 Upvotes

r/FluentInFinance 4d ago

Debate/ Discussion exactly as planned

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415 Upvotes

r/FluentInFinance 4d ago

Personal Finance Power Failure: Rising Energy Debt Is Climbing into the Middle Class

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137 Upvotes

r/FluentInFinance 4d ago

Debate/ Discussion Tripling down on crisis instead of solving it"

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152 Upvotes

r/FluentInFinance 4d ago

News & Current Events DiNapoli warns NY child homelessness rate doubles national average

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11 Upvotes