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Middle America is drowning and not because people are careless with their money. It's because the cost of simply staying alive keeps climbing while wages can't keep up.

In this episode, I break down what's really happening beneath the surface, why it's more dangerous than most people realize, and how it threatens not just lower-income families but every American… including the wealthy.

Today I'm exposing the uncomfortable truth behind the affordability crisis in America. We're watching inflation quietly erode purchasing power, credit card debt hit all-time highs, delinquencies climb, and homeowners tap into their equity out of desperation. And it's not because people are buying luxury items, it's because basic necessities have become unaffordable.

Right now, 30% of low-income Americans cannot meet basic needs like food, clothing, and shelter. Middle America is barely keeping their head above water. Even high-income earners are feeling the squeeze with rising insurance premiums, food costs, taxes, and still-increasing service expenses. This isn't just an "inflation problem." It's a systemic affordability issue that's creating cracks in the economy that can easily widen into something more dangerous.

I dive into the explosive growth of credit card debt, skyrocketing auto loan delinquencies, and the shocking surge in cash-out refinances happening at higher interest rates.

Why would anyone do that? Because people are out of options. They're using home equity as a lifeline while hoping the economy magically fixes itself. But hope is not a strategy.

I also break down how the government's own spending behavior mirrors what's happening on Main Street, why the Fed fears deflation far more than inflation, and why deflation could crush the stock market harder than most investors realize. AI-driven job displacement, slowing rehiring trends, and seasonal employment band-aids only add more fuel to a growing economic fire.

But this isn't a gloom-and-doom message. It's a wake-up call.

I explain what you can do right now to protect yourself and your family how to get liquid, how to prepare for coming opportunities, and why waiting on "hopium" will put you in the danger zone. When the wealthy start holding record levels of cash, like Warren Buffett sitting on over 380 billion, it's not an accident. It's a signal.

There are moves you should be making today. There are real assets that can protect you. There are ways to build cash flow even when the economy tightens. And there are decisions you must stop putting off if you want to stay ahead of what's coming.

This episode might make you uncomfortable but it will also get you prepared. And right now, preparation is everything.