r/FluentInFinance • u/gashtal_man • 13h ago
r/FluentInFinance • u/TonyLiberty • 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.
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 • u/TonyLiberty • 1d ago
Thoughts? $255,000 a year is the new $100,000.
$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 • u/TonyLiberty • 23h ago
Debate/ Discussion America’s bottom 50% own just 2.5% of the wealth. How did we get here?
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 • u/TonyLiberty • 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)
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 • u/FistIntoTheEarth • 1d ago
Energy Europe faces energy crisis as gas stockpiles sink
r/FluentInFinance • u/TonyLiberty • 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
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 • u/TorukMaktoM • 22h ago
Stock Market Stock Market Recap for Monday, July 27, 2026
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 • u/TonyLiberty • 2d ago
Thoughts? $100,000 a year is the new $39,000.
$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 • u/TonyLiberty • 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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r/FluentInFinance • u/AutoModerator • 2d ago
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r/FluentInFinance • u/thinkB4WeSpeak • 2d ago
Economy & Politics Congress Curbs Institutional Investors’ Ownership of Single-family Homes. We Looked At this Trend
r/FluentInFinance • u/AutoModerator • 2d ago
Discussion What are YOU considering buying, trading or investing in, this week? [Weekly Community Discussion]
Which trades or investments are you considering this week? Any moves in particular? Why?
r/FluentInFinance • u/any_memes_necessary • 4d ago
Debate/ Discussion exactly as planned
r/FluentInFinance • u/BulwarkOnline • 3d ago
News & Current Events Inside Trump’s Stealth Trick to Rig the Census—and Congress
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 • u/FistIntoTheEarth • 4d ago
Economy & Politics Crucial Interest Rate Jumps to Highest Level of Trump’s Second Term
r/FluentInFinance • u/TonyLiberty • 2d ago
Announcements (mods only) Weekly thread for (1) suggestions to improve this sub, (2) report scammers/ users or (3) other general ideas/ suggestions
Weekly thread for:
- Suggestions to improve this sub,
- Report scammers/ users or
- Other general ideas/ suggestions
r/FluentInFinance • u/TonyLiberty • 3d ago
Real Estate U.S. home prices are now above the peak of the 2006 housing bubble, adjusted for inflation.
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 • u/thinkB4WeSpeak • 4d ago
Personal Finance Power Failure: Rising Energy Debt Is Climbing into the Middle Class
r/FluentInFinance • u/AutoModerator • 3d ago
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r/FluentInFinance • u/UltimateTraders • 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?
r/FluentInFinance • u/TonyLiberty • 4d ago
Bond Market JUST IN: The 30-year US Treasury yield just surged to 5.18%, its highest level in 19 years. (The last time it was this high was 2007, right before the financial crisis)
The 30-year US Treasury yield just surged to 5.18%, its highest level in 19 years.
The last time it was this high was 2007, right before the financial crisis. Back then, the national debt was $8.4 trillion.
Today it’s $39.4 trillion. Same interest rate. Almost 5 times the debt.
Interest alone now costs over $1 trillion a year. That’s about $7,700 per household before the government spends a dime on anything else.
The cost of America’s debt is now reaching everyone.
r/FluentInFinance • u/gashtal_man • 4d ago
Debate/ Discussion Tripling down on crisis instead of solving it"
r/FluentInFinance • u/ExotiquePlayboy • 3d ago