The 2025 Goldman Sachs Retirement Survey and Insights Report found that around 40% of Americans making more than $300,000 per year were living from paycheck to paycheck. While this might sound surprising, making a high salary doesn’t guarantee that you’ll use it wisely to build wealth or afford the lifestyle you want without debt. In a YouTube video, money expert and author Rachel Cruze discussed six financial mistakes that high earners often make. Plus, find out which smart alternatives she recommended. ...

Market Overview - Bitcoin has surpassed last year's low of approximately 80,000, currently trading around 93,300 after reaching a peak of 97,000, reflecting a nearly 7% year-to-date gain [1] - This rally has positively influenced other cryptocurrencies, bringing Bitcoin closer to levels that have historically capped previous rallies since November [1] Catalysts for Price Increase - Analysts from NYDIG Research and Wintermute attribute the price increase to geopolitical risks and a structural shift in capital flows within the crypto market, identifying these as major catalysts for potential further price increases [2] - Political instability in the United States, particularly the tensions surrounding Donald Trump and the Federal Reserve's monetary policy, is highlighted as a significant short-term driver of Bitcoin's price [3] Historical Context - Historical instances of political interference in U.S. monetary policy have led to negative outcomes such as higher inflation and weakened currencies, suggesting that Bitcoin may be benefiting from current investor concerns regarding similar risks [4] Macro Environment - The global money supply has reached an all-time high, providing support for Bitcoin prices, while precious metals have seen significant price increases, indicating a broader macroeconomic context [5] - Despite distinct macro dynamics, both gold and Bitcoin serve as non-sovereign stores of value, with Bitcoin potentially catching up as a result of current market conditions [6] Market Overhangs - The end of tax-loss selling at the beginning of the year has contributed to the reduction of market overhangs, which previously pressured prices [6] - Additionally, liquidations on October 10 left exchanges with unhedged long positions, which contributed to downward price pressure as these positions were sold off [7]

Core Viewpoint - Revolut is applying for a banking license in Peru to establish a full digital bank, aiming to enhance its growth in Latin America and target underbanked users with multi-currency services [1][2]. Group 1: Licensing and Regulatory Process - The company has submitted an application to Peru's SBS for a banking license, which may take months for approval as regulators assess capital, risk, and governance [2]. - Once licensed, Revolut plans to offer banking products such as deposits and loans in Peruvian Soles and foreign currencies [2]. Group 2: Market Expansion Strategy - Peru is the latest addition to Revolut's Latin American expansion, following previous entries into Brazil, Mexico, Colombia, and Argentina [3]. - The company has not disclosed a specific launch date for its services in Peru, emphasizing that the licensing process could take several months [3]. Group 3: Target Market and Services - Revolut aims to attract nearly 1 million Peruvians who receive remittances from abroad, leveraging its expertise in multi-currency and international transfers to provide lower-cost, app-based solutions [3]. - The company intends to bundle services such as payments, foreign exchange, savings, and cryptocurrency to challenge existing banks and enhance user experience in Peru [6]. Group 4: Global Growth and Valuation - The application for a banking license in Peru is part of Revolut's broader strategy to reach approximately 100 million customers and scale revenues in the coming years [5]. - The fintech is currently valued at $75 billion and is focusing on high-growth markets while securing local regulatory approvals [5].

Core Viewpoint - The rise of alternative investments, such as Pokémon cards, is being highlighted as a potential option for younger investors, as suggested by Logan Paul during a recent interview [1][2]. Group 1: Investment Perspective - Logan Paul advocates for investing in Pokémon cards, specifically mentioning a rare Pikachu Illustrator card he purchased for $5.3 million in 2022 [1][2]. - Paul believes that alternative investments may resonate more with younger individuals compared to traditional stock market investments [2][3]. Group 2: Traditional Investment Views - Financial professionals express caution regarding the inclusion of collectibles in investment portfolios, often viewing them as less legitimate compared to traditional assets [3][4]. - Collectibles, including Pokémon cards, are considered less liquid than stocks, meaning they cannot be sold quickly, and they do not generate income like dividends [5][6]. - Experts suggest that while there is enjoyment in owning rare items, collectibles should only make up a small portion of an investment portfolio [6].

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Just valid crypto advice, fr. https://t.co/tkZuDqXjRX ...

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Live in 30 minutes!Dash (@Dashpay):Do you talk to your family about crypto over the holidays? 🎄🎅Or do you avoid those potentially sensitive topics?Come share on this special holiday episode of the Crypto Quorum, co-hosted by @zano_project and sponsored by @EdgeWallet!https://t.co/nOdN8v0VFi ...