Is Saving Cash Safe?

February 21, 2026 | This Will Make You Rich

💵 The Economic Ninja says cash‑only saving hits a ceiling because fear keeps people out of investing entirely. Fear is framed as the core problem, not a lack of income or access.

🧠 99% of past losses are attributed to emotional mistakes, not stock selection. The cycle described is buy → dip → panic‑sell → chase another idea.

📉 The fix is behavioral: take $20 from every $100 saved and invest it now. The goal is habit formation, not a big win.

📈 A 10% return on $10 is only $1, but it builds momentum and discipline. Reps beat hero trades at the start.

🔁 The loop to break is fear‑driven selling and re‑buying. Consistency is presented as the antidote.

Investing Isn’t Just for the Rich

February 20, 2026 | This Will Make You Rich

💵 Starting isn't about being rich — $5 or $10 is enough to build the habit. The Economic Ninja frames the habit as the real asset.

📈 $1,000 vs $10,000 shows the rule holds at any scale. The math changes, but the discipline doesn't.

🏠 Entry options listed: real‑estate cash flow, crypto yields, and gold/silver exposure. The point is to start somewhere with a real vehicle.

🧠 Start small so mistakes are cheap, then scale with consistency. The focus is learning speed, not ego.

🚫 The real barrier isn't money — it's the excuse to delay. Start, then refine.

Passive Income is Overhyped

February 20, 2026 | This Will Make You Rich

⚠️ "Passive income" is overhyped — it isn't actually passive. The label makes people think it's easy when it isn't.

🏠 Rentals in Arizona and New Mexico still needed constant attention. Distance didn't remove the work — it just moved it to phones and contractors.

📞 Bills, repairs, and tenant issues followed even 1–2 states away. Cash flow still required management.

🧠 The takeaway: income is earned work, not a magic switch. Treat it like a business if it's meant to last.

✅ Passive is the outcome, not the starting point. Systems earn the 'passive' label.

Renting is Throwing Money Away

February 20, 2026 | This Will Make You Rich

🏠 The framing is $2,000/mo rent vs $2,000/mo mortgage. Same payment, totally different wealth outcome.

💸 Renting builds zero equity while ownership builds net worth. Rent is a cost center, not an asset.

🚗 The comparison: leasing a Ferrari looks rich but builds no asset. Ownership is the wealth engine.

🧠 Ownership is described as a DNA shift from renter to owner. That mindset compounds with time.

➡️ The action: redirect rent into ownership whenever possible. Earlier starts create bigger equity curves.

This is not good

February 20, 2026 | Economic Ninja

📉 Q1 GDP printed 1.4%, missing the 2.5% Dow Jones estimate. The miss is framed as a red flag for the cycle.

📊 Inflation still around 3% makes the GDP gain weak in real terms. Consumers feel squeezed even when headlines say 'growth.'

⚖️ A Supreme Court tariff ruling passed 6–3, adding another cost headwind. Tariffs stack on top of already‑tight margins.

🥈 Silver around $80–$81 is flagged as fragile if growth stalls. Metals are being watched as stress signals.

⚠️ The bottom line: 1.4% growth + 3% inflation is the danger zone. That's how demand cracks.

The Biggest Mistake Landlords Make With Cash Purchases

February 20, 2026 | Real Estate Ninja

🏠 Real Estate Ninja uses a $100,000 cash example: buy one house free and clear, or put 20% down on five. The second option scales faster.

📉 Five doors at $1,000 rent each beats one door at $1,000. Same capital, higher monthly cash flow.

📈 A 20% down structure multiplies exposure without extra cash. Leverage is the growth engine here.

🛡️ Less equity exposure is preferred for liability protection. Too much equity makes owners a bigger target.

📊 Appreciation at 5–10–20% compounds faster across multiple properties. Scale wins the math.

Mamdani Released Plan That Will Crush New York Property Owners (Higher Taxes)

February 19, 2026 | Economic Ninja

🏙️ Economic Ninja says Mamdani (34) is pitching a plan against a ~$5.4B gap with a ~$12B deficit looming. The shortfall drives the policy pressure.

💸 The proposal raises property taxes 9.5%, taking the rate to ~13.45%. That's a direct hit to owners.

📈 NYC's executive budget is ~$127B — big spend, bigger hole. The framing: unsustainable without heavy tax pressure.

🏠 Upstate examples show 6–9% property‑tax burdens on ~$100k homes. The pain isn't just Manhattan.

⚠️ Higher taxes hit owners first, then rents and values. The cost rolls downhill.

Being Tired from Working Hard is a Different Feeling

February 19, 2026 | This Will Make You Rich

🧠 The contrast is being tired from poverty vs tired from progress. The difference is hope and forward motion.

📊 The mindset shift arrives when numbers improve month over month. Progress makes the grind feel different.

💪 Fatigue feels productive when paired with saving and investing. That's tired with a purpose.

🔁 Momentum beats hopelessness — tired, but moving forward. That's the loop to build.

⏱️ Short clip focused on discipline and mindset, not tactics. It's a push for consistency.

Why frugal people stay poor #moneytruth #wealthmindset

February 19, 2026 | This Will Make You Rich

💸 Budgeting alone won't fix poverty; income has to rise. Cutting expenses can't outpace a flat top line.

📈 "Fix the top line, not the bottom line" is the thesis. More income creates real leverage.

🧠 Higher income creates margin, freedom, and room to invest. That's where momentum starts.

🚫 Frugality without growth keeps people in survival mode. It's defensive, not offensive.

⏱️ Short, direct hit: increase income first, optimize later. Order matters.

Secret 1929 Cycle That Made Men Rich Is Coming Back In 2026

February 19, 2026 | Economic Ninja

🕰️ Economic Ninja frames 2026 as a rhyme with 1929 and the 1920 depression cycle. Same psychology, different assets.

📉 The modern comparison is 2008 — leverage everywhere, just hidden. The pattern is still the pattern.

💵 Many households still don't have $500 saved. That fragility makes downturns brutal.

🏦 401(k) exposure makes the next drawdown politically explosive. Retirements are on the line.

🧠 The cycle lesson: when everyone says "this time is different," it isn't.

A Banking Crash May Start Soon If You See What People Are Saying...

February 17, 2026 | Economic Ninja

🏦 Economic Ninja says banks are sitting on 10‑ and 30‑year bonds bought at near‑zero rates. Rising rates turned those into unrealized losses.

💱 ~4% stablecoin yields are positioned as a direct threat to deposits. If money can earn 4% elsewhere, it will move.

⚖️ The 2008 question returns: bailouts or bail‑ins? Cyprus‑style deposit haircuts are cited as the risk.

🧠 Keep deposits under FDIC limits and spread accounts. Don't keep all capital in one bank.

📉 Confidence breaks first — then balance sheets follow. That's how runs start.