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TARIFFS:
The U.S. just implemented tariffs on imports from Canada and China, with Mexico having just avoided tariffs for 30 days. The goal is to protect domestic manufacturing and reduce issues across the boarder for increaed security. However, while these tariffs could help American businesses compete, they may also lead to higher costs for consumers – not to mention, retaliation from Canada. This has caused the market to begin selling off.

STOCK MARKET:
When it comes to investing, over 20 years – only 40 days are responsible for whether or not you make – or lose money. On top of that, the best-performing days come right after the worst performing days. This is why “Investors consistently bought assets that were overvalued and sold assets that were undervalued” – and why it’s so important to stay the course, long term. Ultimately, the biggest problem is that most investors lack patience and discipline, making decisions based on short-term fear and hype rather than long-term consistency.

HOUSING:
Despite elevated mortgage rates, home prices continue to rise due to persistently low housing supply. Limited inventory, coupled with strong demand, has kept prices elevated even as affordability worsens. Many potential buyers remain priced out of the market, especially first-time homebuyers facing steep competition and higher borrowing costs. While some analysts predict that a potential decline in interest rates later this year could provide relief, others caution that without significant increases in housing construction, affordability challenges will persist.

CRYPTO:
Bitcoin has seen renewed interest, with institutional investors increasingly entering the space. The recent approval of Bitcoin ETFs has added legitimacy to the asset class, drawing in traditional investors who were previously hesitant. The SEC also overturned the previous ruling, now allowing banks to custody digital assets without calling it a liability. Even though it’s too early to tell how this will play out, long term – it’s absolutely optimistic for the entire cryptocurrency market – and, my guess is that more established banks will begin to embrace it.

There have also been rumors about the United States creating a “national digital asset stockpile” for Bitcoin – but in terms of whether or not this will pan out – so far, the executive order is rather vague, stating that they will “evaluate the potential creation and maintenance of a national digital asset stockpile.. potentially derived from cryptocurrencies lawfully seized by the Federal Government through its law enforcement efforts.”

That’s why my entire investing blueprint is really simple:

One: I’m setting aside an amount I’m prepared to invest every month – and, I stick with it.
Two: This is diversified across 75% US equities, 15% international equities, and 10% Bitcoin ETF.
Three: I don’t intend on selling these for the next 20-30 years.
Four: I’m holding onto ALL of my real estate investments and making upgrades, as necessary.

Five: Repeat no matter what.

That’s it. It’s super simple, it’s not complicated, and historically – this has shown to yield the highest returns. Enjoy! If you’re reading this, let me know in the comments! 🙂

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*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.

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THE SOCIAL SECURITY CRISIS:
Social Security is funded through payroll tax, at a total rate of 12.4% – and as you get older, you draw from a Social Security Fund to pay through retirement / supplement your income.

However, it’s said that, without any changes – “the social security fund is slated to be drained by 2033, which would result in an automatic 21% cut to beneficiaries’ monthly checks, regardless of marital or income status.” To make matters worse, it’s reported that “Older people are expected to outnumber children for the first time in U.S. history by 2034. There will be fewer workers to support each retiree in the future as a result.”

Essentially, we don’t have enough workers paying into social security to fund the full benefits of the baby boomers, which theoretically means that everyone else gets less.

THE ISSUE:
If nothing is done, we could see one of the following:

-One: Social Security Benefits will be reduced by the time all of us retire (most likely to the tune of 21-25%)
-Two: They Increase The Retirement Age So That They Can Pay Out Less Money (for example, instead of taking social security payments at 67 years old, perhaps it’s only available for those who are over the age of 72)
-Three: The Government Increases Taxes To Pay For Higher Expenses.

THE SOLUTION:

I hate to say it, but – REALISTICALLY – in order to keep Social Security fully funded, that’s most likely going to mean higher taxes in the near future, AND /OR a delayed retirement age so that fewer people can draw on those reserves.

At the end of the day, though: NO, I don’t think Social Security is going anyway anytime soon – and, if I’m giving my own prediction – I’d say you should be prepared to eventually pay higher taxes while they raise the retirement age another few years.

Again, all of this should serve as a reminder that – even though the government is there – you will go MUCH FURTHER by saving and investing on your own, living below your means – and, no matter what – hitting the like button and subscribing if you haven’t done that already.

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: – $100 OFF WITH CODE 100OFF

My ENTIRE Camera and Recording Equipment:

For business inquiries, you can reach me at [email protected]

*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.