He's A Monster | Financial Audit

*FREE BONUS EPISODES* – I am personally paying for your Hammer *ELITE* subscription for the first month Sign up for *ELITE* and I’ll send you a digital gift card covering the $10 cost. In today’s post show, IT’S EVEN WORST THAN WE THOUGHT- I make him call his parents, and things go off the rails…

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Chapters:

00:00 Intro
11:35 “self assessments” lol
23:33 Lets hear what they really think (game)
35:00 hes gonna crash out 0_0
49:50 shes just as bad..
01:04:06 calebs gonna WHAT
01:20:56 hes a literal child

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Global markets rebound after Trump's reassurance about China trade | Finance Report | ABC NEWS

Global sharemarkets bounced back strongly after US President Donald Trump seemed to suggest he was backing away from imposing new massive tariffs on China.
Silver prices hit a new record high as gold jumped, and the Aussie dollar slipped below 65 US cents.
And, new arrival and departure figures show that immigration has stopped declining.
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All About Ex-Dividend Dates | Nasdaq

At its most basic level, a share represents partial ownership in the future profits and assets of a company.

As we noted in a recent post, companies have three main ways to use surplus cash flows:

1. Reinvest those profits back into the business.
2. Return profits in the form of a dividend.
3. Return profits in the form of a buyback.

Today we are going to focus on dividends. We will show how payment of a dividend affects share prices and look at what kinds of companies are more likely to pay dividends. 

Chart 1: A company’s aim is to earn profits, which they can reinvest or return to shareholders

Dividends reduce a company’s assets — that should impact prices too

It’s often said that a share represents partial ownership in the future profits of a company. Paying a dividend doesn’t explicitly change future profits. But it definitely reduces the net assets of the company — by an amount exactly equal to the dividend.

Which raises a question: How much does paying a dividend change the value of a company and, therefore, the company’s stock price?

Getting to ex-date

Each time a company pays a dividend, there are a few important dates to keep track of as we show in Chart 2.

For investors, the ex-dividend date (ex-date for short) is the most important. That is the date when buyers of the stock no longer receive the pending dividend. Because of that, it’s also the date the company’s share price adjusts to account for the dividend payment. 

In short, an investor buying the stock:

• Before the ex-date will be settled and “on record” in time to be paid the dividend.
• On or after the ex-date won’t be on record in time, and so they won’t receive the dividend. 

Chart 2: Dividend timeline

Although, those who had bought prior to the ex-date still need to wait until the actual pay date, when cash dividend payments are actually distributed, to receive the cash. 

This can cause “cash drag” in a portfolio, especially if the market appreciates while the portfolio is waiting to receive the cash, as it can’t “reinvest” the dividend in other stocks without leveraging the fund.  

In practice, many professional investors will buy exposure for (or cover) these cash accruals using futures, which don’t require cash settlement but still give broad stock market exposure. 

What happens when a stock pays a dividend?

In theory, an investor should be willing to pay less for a stock that doesn’t come with the dividend – compared to one that does. And, given the dividend is paid in cash, the difference in valuation is simple to calculate. Intuitively, a stock should fall by the exact amount of the dividend as it goes ex-dividend.

• The opening trade of ex-date is the first time the stock begins trading without the right to receive the upcoming dividend.
• The closing trade before is the last time the stock begins trading with the right to receive the upcoming dividend.
• So, comparing the opening price to the prior closing price should give us the most precise estimate of the dividend impact (as opposed to looking at closing or intraday returns).

Using a real example (below), we try to visualize the ex-dividend impact on PepsiCo’s (PEP) stock around its December 2024 ex-date. We see that the price of PEP did in fact fall overnight as it went ex-dividend (blue line in Chart 3).

Chart 3: PepsiCo (PEP) vs. Coca-Cola (KO) on Dec. 6, 2024

In this case, we see the price-reaction of Pepsi’s stock (PEP, blue line) around ex-date: 

• The ex-date is Dec. 6, with a dividend payable of $1.35 per share.
• The stock price fell from $160.49 (at the end of Dec. 5) to $159.35 (at the start of Dec. 6).
• That’s a drop of $1.14 ($0.21 less, or better than, than the dividend).
• The return including the dividend ($0.21) equates to a positive return of 0.13%.

A lot can happen overnight, such as market news, company news and changes in market sentiment. That can make the close-to-open performance differ by more or less than the dividend.

So, the obvious next question is: Was there some positive news that helped boost the ex-dividend stock to account for that 21 cents difference? 

Given PepsiCo and Coca-Cola are both in the same industry and usually have high positive correlation (~0.70), we can “control” for the ex-dividend impact by comparing KO to PEP. 

The fact that KO (red line) traded higher between the close on Dec. 5 and the open on Dec. 6 seems to indicate that there may have been some positive news, or sentiment, about the industry overnight. In fact, KO was up around 0.30% in the pre-market session, prior to opening about flat.

In short, both KO and PEP experienced positive overnight returns of a similar magnitude (after including the dividend). It seems possible the “real” price adjustment was very close to equal to the dividend.

Does the market always discount the whole dividend on ex-date?

Using a similar approach, we compare the adjusted overnight return to the dividend paid for all U.S. large-cap equity securities over the past five years (January 2020 through December 2024). Although for simplicity, we adjust by the market return (instead of a well correlated pair).

The data shows that on ex-dividend dates: 

• Many stocks see their prices fall by roughly the value of their dividend.
• Although the median stock declines by only around 90% of its dividend amount.
• The most likely outcome is a drop even less than that.
• A reasonable percentage (~20%) of stocks see prices increase on ex-dividend date — even after accounting for the market moves overnight (grey zone in Chart 4).

Chart 4: Distribution of ex-dividend price reactions (U.S. large caps)  

Some stocks fall by much more than the dividend, too (after adjusting for market performance), showing that many other impactful things can happen overnight. 

What types of companies pay dividends?

Not all companies pay dividends. For a start, it’s hard to justify dividends when a company has good growth opportunities that need reinvestment of cashflows.

Not surprisingly then, the data shows that larger (more mature) companies are more likely to pay dividends (Chart 5). The same goes for more value-oriented companies — remembering that value is typically defined as companies with stronger earnings yields and lower rates of growth. 

Chart 5: Characteristics of dividend-paying stocks

We also see that companies that are included in more defensive industries, such as utilities, financials, materials and staples, tend to pay dividends more than peers in industries like technology, health care, or telecommunications (Chart 6, green bar). 

Although that doesn’t always translate to a higher dividend yield coming from those companies (blue dot). In fact, the highest yields tend to come from real estate, utilities and telecoms.

Chart 6: Dividend-paying stocks across industry

What this all means

Investors who require a regular income stream are more likely to care about receiving dividends. While investors looking for higher growth companies may need to accept mostly price appreciation and capital gains. 

Regardless, if you are investing in shares, it pays to keep track of the ex-dates. And if you see an abrupt drop in price on the ex-date, it might not be bad — it might just be the dividend adjustment. 

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Live coverage of Nvidia's Q2 earnings

Nvidia reports second quarter earnings after the bell on Wednesday. We speak with experts to break down the results and what they mean for this leader in chipmaking.
#youtube #Nvidia #AI #tech

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Trump's Tariff Threats on China send stocks, oil and crypto sinking

Flaring trade tensions between the US and China sent shockwaves across markets Friday, hammering stocks, oil and crypto while spurring a dash for the perceived safety of Treasuries and gold.
President Donald Trump’s threat of a “massive increase” in China tariffs shook Wall Street at the end of an already-volatile week that saw concern build about a bubble in artificial-intelligence companies. His remarks sent the S&P 500 down over 1.5%, with the gauge set for its worst day since April. The dollar slid at the end of its best week this year. Crude plunged 4%. Bloomberg’s Tom Keene reports.
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Trump's tax bill is 'not great news for the economy,' long-term economist says

Concerns are mounting over the economic fallout from a proposed tax bill that could add trillions to the national deficit.
Jennifer Lee, BMO Capital Markets senior economist and managing director, joins Morning Brief to explain how rising debt and interest costs could weigh on consumers and complicate the Federal Reserve’s path forward.
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Why Asia’s $1 Trillion Stablecoin Shift Is Reshaping Global Finance

Asia Pacific is leading the world in stablecoin activity, with over a trillion dollars worth of stablecoins moving in, out and within the region in 2024, according to an International Monetary Fund working paper. So, what’s driving Asia’s stablecoin surge?

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Job market SHOCK: Slowdown might be worse than we thought #shorts

FOX Business’ Lydia Hu has the details on ‘The Big Money Show.’ #foxbusiness #shorts

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Jensen Huang says Nvidia went from 95% market share in China to 0%

Nvidia CEO Jensen Huang urged nuance when it comes to regulating China’s access to U.S. technologies that are critical to developing artificial intelligence.

In an interview with Citadel Securities on Tuesday, he warned that what harms China can often harm the U.S., and sometimes even in worse ways.

“Before we leap towards policies that are hurtful to other people, take a step back and maybe reflect on what are the policies that are helpful to America,” Huang said.

His words of caution come as Nvidia processors have become hot commodities in the AI race as well as political bargaining chips in the U.S.-China trade war.

Huang said he’d like the world to run on U.S. know-how, but noted about half the world’s AI researchers are in China.

“I think it’s a mistake to not have those researchers build AI on American technology,” he added.

Trying to strike a balance between his goal of maintaining U.S. tech supremacy along with access to China will require nuance rather than an all-or-nothing approach, Huang said. But that’s not the case now, as Nvidia is “100% out of China.”

“We went from 95% market share to 0%, and so I can’t imagine any policymaker thinking that that’s a good idea, that whatever policy we implemented caused America to lose one of the largest markets in the world,” he said.

He didn’t name names, or administrations. But the Biden administration imposed rules in 2022 to restrict the export of Nvidia’s most advanced AI chips to China, leading the company to design a processor that met the new limits.

In April, Nvidia said the Trump administration blocked the sale of some of its AI chips to China without licenses and would require them for future sales. Then in August, the administration granted export licenses for certain Nvidia and AMD chips to China in exchange for 15% of the revenues.

But Chinese regulators have reportedly told domestic tech companies not to buy Nvidia chips that were designed to meet U.S. export requirements.

Meanwhile, Beijing placed strict limits on exports of rare earths, a critical input for a wide range of advanced technologies, mimicking U.S. export rules on AI chips.

That prompted President Donald Trump to fire back with an additional 100% tariff on Chinese goods. Officials from both sides are due to resume talks this week, ahead of a planned meeting with Trump and his Chinese counterpart later this month.

For now, Huang told Citadel that all of Nvidia’s financial forecasts assume China will remain out of the picture.

“If anything happens in China, which I hope it will, it’ll be a bonus,” he said. “But it’s a large market. China is the second largest computer market in the world. It is a vibrant ecosystem. I think it’s a mistake for the United States to not participate. So hopefully we’ll continue to explain and inform and hold out hope for a change in policy.”

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Finance နဲ့ Account ဘာကွာလဲ interview မှာမေးရင် ဒီလိုဖြေပါ

Finance နဲ့ Account ဘာကွာလဲ interview မှာမေးရင် ဒီလိုဖြေပါ

လူငယ်တို့ရဲ့ထင်မြင်ချက်လေးတွေကိုကိုလဲ Comment မှာရေးခဲ့လို့ရပါတယ်၊ အခုလိုမျုိး အချိ်န်ပေးပြီး video ကို ကြည့်ပေးတဲ့အတွက် ကျေးဇူး အထူးတင်ပါတယ်၊ လူငယ်များအတွက် အလုပ်ကိုင်အခွင့်လမ်းတွေမှာအဆင်ပြေနိုင်ဖို့/ အင်တာဗျူးအောင်ဖို့နည်းလမ်းတွေ/ရာထူးလစာတိုးဖို့လုပ်ဆောင်ရမယ့်အချက်တွေ ပြောပြပေးနေတဲ့ video များကိုနေ့တိုင်တင်ပေးနေပါတယ်။ Facebook page မှာလဲ Video များကိုကြည့် ရှု့နိုင်ပါတယ် ကိုယ့်နှလုံးသားရဲ့ စကားသံတွေကိုနားထောင်ပါ၊ အ မြဲတမ်းပျော်အောင်နေပါ၊ ဘယ်တော့မှအရှုံးမပေးပဲ ကိုယ့်ကိုကိုယ်ယုံကြည်ပါ။ Listen to your heart…be happy…don’t give up and always believe! ===================================================================================================================== လူငယ်များ သင်တန်းတက်ချင်ရင်ပဲဖြစ်ဖြစ် ဆရာ ညဏ်လင်းအောင်နဲ့ ဆက်သွယ်ချင်ရင်ပဲဖြစ်ဖြစ် nyanlin10@gmail.com ကိုဆက်သွယ်နိုင်ပါတယ် မြန်မာနိုင်ငံမှာ လူငယ်တွေအကြိုက်အများဆုံး Motivatial Speaker and Life Coach ဆရာ ညဏ်လင်းအောင် ဆီမှာ သင်တန်းများ တက်လိုပါက facebook page messanger မှာ စုံစမ်းနိုင်ပါတယ်။

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Scott Bessent makes ENORMOUS tariff revenue forecast — $300B might be too low

U.S. Treasury Secretary Scott Bessent, in a wide-ranging interview on ‘Mornings with Maria,’ weighs in on President Donald Trump’s meeting with Vladimir Putin, updates U.S.-China trade talks and housing affordability crisis solutions. #foxbusiness #morningswithmaria

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Retail exodus: Why millions of investors are leaving Groww, Zerodha, Angel One & Upstox?

India’s biggest discount brokerages — Groww, Zerodha, Angel One, and Upstox — are losing active investors at a record pace. Nearly 20 lakh clients have exited in just the first half of 2025. Why are retail traders walking away, and who is benefitting from this shift? Watch on Markets This Week.

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September, Third Quarter 2025 Review and Outlook

Executive Summary 

• Large and small caps reached new all-time highs in Q3
• Cyclical sectors reach new relative highs versus defensive
• Gold is having its best annual performance since 1979
• S&P 500 corporate earnings are forecasted to grow 7.9% YoY in Q3
• All 11 large- and small-cap sectors are positive YTD
• Stocks and bonds gain during government shutdowns in last 30 years

“Every bull market climbs its own wall of worries” is an old Wall Street adage that may never be more apropos than what we are witnessing this year. The list of market concerns in 2025 has been extensive, and growing, starting with tariffs and trade wars, rising geopolitical tensions, inflation, policy uncertainty, social unrest, cracks in the labor market, soft housing data, and as of today a government shutdown. Yet despite extreme volatility in the Spring accompanied by size drawdowns of 20% for the S&P 500, 25% for the Nasdaq 100, and 30% for the Russell 2000, the stock market has stormed back to record highs with healthy breadth and cyclical leadership.

The broad U.S. equity indices were higher across the board in both September and Q3. For the S&P 500 and Nasdaq-100, September marked their 5^th and 6^th consecutive monthly gains, respectively. And for the S&P 500, this was its 2^nd best September (+3.6%) in 27 years.

The gains were broad-based evidenced by the Russell 2000 taking the leadership baton in Q3 (+12.4% total return) while reaching new highs, albeit briefly, for the first time since November 2021.

Sector Performance

Large-cap sectors have been led by cyclicals over defensives throughout both the near-term September (MTD) and Q2, and longer-term timeframes (YTD) in 2025. While Communications and Technology remain the performance leaders, all eleven sectors are higher YTD including solid absolute performances by Industrials, Financials, and Materials.

Some of the higher beta small-cap sectors have seen a greater recovery off their 52-week lows due in part to their greater sensitivity (beneficiary) to lower rates.

While the delay in tariffs drove the initial gains off the April lows in Q2, the continued momentum across Q3 was driven in part by resilient economic data, corporate earnings strength, AI investment, and the resumption of a fresh rate cut cycle

Despite soft economic measures such as housing and consumer sentiment being weak, hard economic data used to define recessions (real GDP, industrial output, personal income, consumer spending, etc.) are still in uptrends. While August payrolls were disappointing, conversely, initial claims and job openings are improving.

Core goods inflation is pushing higher due in part to tariffs, yet service inflation driven by housing and wages has been slowing over the past couple of years. 5-year forward breakeven, a common market-measure of inflation, is currently 2.31% and signaling the market sees inflation at that level when looking out five years.

Corporate earnings growth for the S&P 500 was 12.7% in Q2, far exceeding expectations of 7.2%. Over 80% of companies beat EPS estimates, continuing a streak of earnings surprises. For Q3 2025, the estimated earnings growth rate for the S&P 500 is 7.9% YoY, according to FactSet. Eight of the eleven sectors are expected to report year-over-year earnings growth, led by the Information Technology, Utilities, Materials, and Financials sectors.

The Federal Reserve cut rates by 25 bps at the September FOMC, and the updated Summary of Economic Projections (SEP) was more dovish than anticipated. It showed a median expectation for an additional 50 basis points of cuts this year, along with improved employment and economic growth trends relative to the June SEP. The long UST 10yr yield (upper panel), last 4.12%, is down 70bps from its January high but remains more than 25bps above its April lows. However, the shorter UST 2yr yield (lower panel), a barometer of Fed policy, is testing a 3-year support level at the 3.55% level.

The US Dollar Index (DXY) stabilized in Q3 (+0.9%) following one of its worst first half performances on record. In 1H 2025 the DXY declined 10.7% for its worst 1H since the 1970’s, and its worst rolling 6-month performance since August 2009 (-11.2%) and February 2004 (-11%).

The weak dollar is one tailwind behind the surge in precious metals which. Gold had its best month (+11.9%) since August 2011 while silver (+17.4%) had its best month in more than five years (July 2020). Gold is having its strongest annual gain (+47% YTD) since 1979, while silver is having its best annual performance (+64% YTD) since 2010.

Looking Ahead

While uncertainty looms around the length of the current government shutdown, historical data offers a reassuring perspective. According to Nasdaq’s Economic Research, markets have consistently weathered shutdowns well over the past 30 years. Stocks rose in the last five shutdowns (left chart below), going back to the mid-90s, including a +9% gain in the last (35 day) shutdown (blue line). 10-year Treasury yields fell during the last five shutdowns (middle chart), seeing safe-haven demand (and often fell before the shutdown, too). The US dollar has been weaker in 5/6 of the last shutdowns (right chart). 1990 was the last time US equities and/or bonds were down during a shutdown.

Looking at the “message of the market”, we are encouraged to see widespread participation evidenced by the aforementioned new highs reached by the Russell 2000…

Continued leadership from one of this bull market’s top performing industries, semiconductors…

Relative strength in the cyclicals, evidenced by the Equal Weight Discretionary Index (cyclical) making new highs versus the defensive Equal Weight Staples Index (defensive)…

… and Banks at new highs, evidenced by the BKX Index.

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The information contained herein is provided for informational and educational purposes only, and nothing contained herein should be construed as investment advice, either on behalf of a particular security or an overall investment strategy. All information contained herein is obtained by Nasdaq from sources believed by Nasdaq to be accurate and reliable. However, all information is provided “as is” without warranty of any kind. ADVICE FROM SECURITIES PROFESSIONAL IS STRONGLY ADVISED.

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Mark Cuban warns that OpenAI’s new plan to allow adults-only erotica in ChatGPT could ‘backfire. Hard’

Billionaire investor Mark Cuban is warning that OpenAI is walking into a massive trust crisis with parents and schools after CEO Sam Altman announced the company plans to begin allowing erotica in ChatGPT for “verified adults” starting in December.

 Cuban called the move reckless and said parents will abandon ChatGPT the second they believe their kids could bypass the company’s age-verification system to access inappropriate content.

“This is going to backfire. Hard,” Cuban wrote in response to Altman on X. “No parent is going to trust that their kids can’t get through your age gating. They will just push their kids to every other LLM. Why take the risk?”

In other words: if there’s any possibility that minors can access explicit content—including content generated by AI—parents and school districts will lock it out before testing the safety features, making it an unsavvy business strategy.

Altman, however, argued in his original post announcing the change that ChatGPT has been “restrictive” and “less enjoyable” since the company restricted the voice of its signature chatbot in response to criticism it was leading to mental health issues. He added that the upcoming update will allow a product that “behaves more like what people liked about 4.o.” 

Psychological concerns

Cuban emphasized repeatedly in further posts that the controversy isn’t about adults accessing erotica. It’s about kids forming emotional relationships with AI without their parents’ knowledge, and those relationships potentially going sideways.

“I’ll say it again. This is not about porn,” he wrote. “This is about kids developing ‘relationships’ with an LLM that could take them in any number of very personal directions.”

Sam Altman has, in the past, seemed wary of allowing sexual conversations at all on his platform. In an interview in August, tech journalist Cleo Abram asked Altman to give an example of a business decision that was best for the world at the expense of his own company’s ascendency. 

“Well, we haven’t put a sex bot avatar in ChatGPT yet,” Altman said.

Following the money

The move comes amid mounting fears that the billions pouring into AI may not translate into sustainable revenue or fulfill the industry’s hype-driven promises. Altman – despite himself admitting that investors may be “overexcited” about AI – has shared in speculation that AI will soon surpass human capability, leading to an abundance of “intelligence and energy” in 2030. In September, Altman shared dreams in a blog post that in the future, AI could cure cancer or provide customized tutoring to every student on Earth. 

Yet, announcements like allowing erotica in ChatGPT may signal that AI companies are fighting harder than ever to achieve growth, and will sacrifice longer-term consumer trust for the sake of short-term profit. Recent research from Deutsche Bank shows that consumers’ demand for OpenAI subscriptions in Europe has been flatlining, and that user spending on ChatGPT broadly has “stalled.”

“The poster child for the AI boom may be struggling to recruit new subscribers to pay for it,” analysts Adrian Cox and Stefan Abrudan said in a note to clients.

AI companionship platforms like Replika and Character.ai have already shown how quickly users—especially teenagers—form emotional bonds with chatbots. A Common Sense Media report found that half of all teenagers use AI companions regularly, a third have chosen AI companions over humans for serious conversations, and a quarter have shared personal information with these platforms. With input from Stanford researchers, the group argued that these chatbots should be illegal for kids to use, because of the exacerbated risks of addiction or self-harm. 

OpenAI did not immediately respond to Fortune’s request for comment.

Parents urge action

OpenAI is already under fire after being sued by the family of 16-year-old Adam Raine, who died by suicide in April after having extended conversations with ChatGPT. The family alleges that ChatGPT coaxed Raine into taking his own life and helped him plan it. 

“This tragedy was not a glitch or unforeseen edge case—it was the predictable result of deliberate design choices,” the lawsuit stated.

In another high profile case, Florida mother Megan Garcia sued AI company Character Technologies last year for wrongful death, alleging that its chatbot played a role in the suicide of her 14-year-old son, Sewell Setzer III. In testimony before the U.S. Senate, Garcia said her son became “increasingly isolated from real life” and was drawn into explicit, sexualized conversations with the company’s AI system.

“Instead of preparing for high school milestones, Sewell spent the last months of his life being exploited and sexually groomed by chatbots,” Garcia testified. She accused the company of designing AI systems to appear emotionally human “to gain his trust and keep him endlessly engaged.”

She wasn’t the only parent to testify. Another mother from Texas, speaking anonymously as ‘Ms. Jane Doe,’ told lawmakers that her teenage son’s mental health collapsed after months of late-night conversations with similar chatbots. She said he is now in residential treatment.

Both mothers urged Congress to restrict sexually explicit AI systems, warning that AI chatbots can quickly form manipulative emotional dependencies with minors—exactly the scenario Cuban says OpenAI is risking. Unlike TikTok or Instagram, where content can be flagged, one-on-one AI chats are private and difficult to monitor.

“Parents today are afraid of books in libraries,” Cuban wrote. “They ain’t seen nothing yet.”

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Why Even High Earners Are Living Paycheck To Paycheck

About 14% of American households make $200,000 or more every year, according to the U.S. Census. But many of them, dubbed “HENRYs,” or High Earners, Not Rich Yet, still don’t feel rich. More than 60% of people with salaries over $300k a year struggle with credit card debt. These figures could be signs of the inescapable nature of lifestyle creep, which is the phenomenon of unconsciously spending more as a person earns more. Watch the video above to learn how those spending habits can leave even high earners feeling like they’re on a never-ending hamster wheel.

0:41: Correction – This video has been updated to reflect that about 14% of U.S. households earn $200,000 or more annually, according to the U.S. Census.

Chapters:
0:00 Introduction
1:52 Getting on the hamster wheel
4:08 Why high earners don’t feel rich
8:35 Getting off the hamster wheel

Produced, Shot and Edited by: Charlotte Morabito
Additional Camera: Kaan Oguz
Animation: Emily Park, Jason Reginato
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Additional Footage: Getty Images, Marie Incontrera

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Why Even High Earners Are Living Paycheck To Paycheck

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The Forever Financial Plan | Simple Financial Plan for 20 Years

Most people think financial planning has to be complicated.

The truth is, the foundation of a strong financial life is surprisingly simple. In this video, I share a basic financial plan that anyone can follow, no complex products, no over-engineering, just a clear structure to protect, grow, and enjoy your money.

I’ve spoken about this many times before, yet I still see how easily people skip the basics. They chase stock tips, quick returns, or complicated strategies, while ignoring the simple habits that actually build long-term wealth. This video is my attempt to cut through that noise.

You’ll learn why the core of your financial plan should focus on three essentials: an emergency fund that keeps you secure, the right kind of insurance that protects your family, and consistent investing that lets compounding work for you. Ignore these, and no advanced strategy will save you. Follow them, and you’ll find that wealth creation is far less stressful than most people think.

If you’ve been postponing your financial planning, or if you’ve been distracted by shiny shortcuts, this is the reminder you need. Start with the basics. Stick with them. They work.
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Disclosure: Mr. Pranjal Kamra, the Director of Finology Ventures Private Limited, is a SEBI-registered investment Adviser with registration No: INA000012218. He further confirms that he does not hold any beneficial ownership, or interest in the securities discussed, nor has he received any compensation related to the views expressed.

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