Health Concerns

If you have a smartphone, please consider taking a moment to go into the settings area to check your average daily screen time - if it's somewhere between 3-5 hours, you're within the range of the global average.

The latest data shows that the average smartphone user spends 2.5 hours on social media platforms daily.

Combine all screen use including television, and the global average is 6 hours and 58 minutes daily. Read more

Those who have studied the physics of sound and music likely know that for centuries, tuning standards were in alignment with the natural muscial pitch of the universe, 432 Hertz (Hz).   Read more

Here, James Lavish and Saifedean Ammous explain in concrete terms why all paths lead to more money printing to finance government expenses. Understanding money and why governments continue to print more of it to fund their expenses is essential to learning how to be financially healthy. Read more

For those who asked for a year-end macro update, this is what I see happening in the months ahead:

As higher interest rates trickle through the economy, there will be more layoffs and significant downward pressure on real estate prices and financial markets.

At some point, the U.S. Federal Reserve will have no choice but to begin lowering interest rates. Here's why:

In 2022, government expenses will total ~$3.7 trillion. Military spending will total ~$800 billion. Which adds up to a total of ~$4.5 trillion in expenses for 2022. Read more