How Money Works

Most People Don't Realize Just HOW Concentrated The Economy Has Become
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#business #finance #economy
This might come as a shock to you, but big companies are getting bigger, rich people are getting richer and vital resources like housing, business equity, food and even water are now owned by a smaller share of people than ever before…
Groundbreaking journalism I know, but what most people don’t realize is just HOW concentrated this has really become…
Private Equity now controls as much as 20% of the entire US economy, top index funds now own 20 - 30% of all major companies listed in America, and even good old fashioned fraud is getting bigger and more concentrated…
And who can blame them? Economies of scale have encouraged businesses… to scale… markets, responded to Too Big To Fail by becoming Too Big To Fail… but what does this actually mean for regular people?
There is the “mOraL” argument that so many resources being controlled by such a small few is… you know… unfair… but let’s be honest, you’ve already made up your mind on that and no YouTube video is going to change it one way or another…
Instead what ACTUALLY matters here is how much farther can this go… and what happens to markets when these people have nobody left to sell to… but themselves?
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Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks
Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.
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Keywords: ai bubble, economics explained, financial news, hedge funds, wealth building, investment strategies
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Can We Afford For Everybody To Be Financially Responsible?
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Edited By: Andrew Gonzales
Music Courtesy of: Epidemic Sound
Select Footage Courtesy of: Getty Images
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All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.
#personalfinance #wealth #investing
You are probably terrible with money. Credit card debt is at an all-time high, a majority of Americans can’t afford a $1,000 expense without going into debt, and even one third of people that earn two hundred and fifty THOUSAND dollars a year [$250,000] OR MORE live paycheck to paycheck. But is this a good thing for the small minority that do keep their spending in check? Or can we afford for everybody to be financially responsible?
If everybody was financially responsible there would be nobody left to spend money on disposable consumer junk, overpriced restaurant meals, leased pickups and day trading courses, but all of these purchases give other people a job. If YOU are being financially responsible, are you denying an opportunity to someone else to be financially responsible? And does that mean that you should be grateful to all the people living pay check to pay check? The average American is not in a comfortable financial position at the moment and it’s the same story everywhere around the world. Money that people saved up in the pandemic has evaporated and credit card debt has taken its place.
But how much of this is recklessness and how much of this is people who do not make enough money to keep up?
So it’s time to learn How Money Works, to find out if we can really afford for everybody to be financially responsible, and if we would even want that to happen.
Follow to learn How Money Works.
Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks
Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.
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Keywords: financial news, corporate finance, gig economy, ai bubble
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What You Need To Know About SVB, Silvergate & Signature Bank Collapses (In 7 Minutes)
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Last week America had it’s second largest bank collapse ever, here is how that actually happened in seven minutes.
Silicon Valley Bank the 16th biggest bank in America has been shut down by regulators and its operations have been seized by the Federal Deposit Insurance Corporation just three days after Silvergate bank another Californian Bank announced it would by winding downs it’s operations and liquidating.
SVB was called the investors investor as they had a venture capital and credit arm that would directly invest into funds such as sequoia capital, Ribbit Capital, Spark Capital and Greylock, basically the who’s who of institutional investors in Silicon Valley.
Most new businesses fail so traditional banks aren’t going to lend to any company that can’t show consistent profits or put up adequate security. Just like Silvergate saw a gap in the market to serve risky crypto traders Silicon Valley Bank saw a gap to serve new start-ups.
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Edited By: Andrew Gonzales
Patrick Boyle's video at 1:50 https://www.youtube.com/watch?v=kxcwn7xoXhU&t=163s
Music Courtesy of: Epidemic Sound
Select Footage Courtesy of: Getty Images
For sponsorship inquiries, please contact sponsors@worksmedia.group
All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.
#svb #silvergate #signature
Follow to learn How Money Works.
Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks
Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.
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Keywords: financial news, debt crisis, money management
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Buy Now Default Later - The Broken Business of BNPL
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All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.
Buy Now Pay Later companies now have over half a trillion dollars worth of debt on their books according to estimates from industry groups.
An exact number is harder to track than something like total credit card debt because these companies are not required to record their lending practices in the same way.
Either way this is an especially concerning amount of money because by design “buy now pay later” “loans” SHOULD only last for eight weeks before they are paid off in a predictable instalment plan.
But new research (and company confessions) have revealed what you probably already knew… people aren’t really paying off their Klarna account, they are just using it as a new way to make their month go a little bit further at the end of their money…
Most of the largest Buy Now Pay Later companies are barely ten years old now, but in that time they have been able to scale rapidly thanks to a combination of generous investor funding, a tech bro attitude towards regulations, and a service that was appealing to people who didn’t want to go through a formal credit application process… for whatever reason…
The argument was that these companies weren’t giving out loans… They were just letting people split up their purchase into smaller payments made over a set time period, and if everything was done properly the users wouldn’t even need to pay interest.
But now after giving out quick, easy “not-loans” to anybody who could download an app, the companies are pulling a shocked Pikachu that their “not-debt” is NOT getting paid back.
Now consumer debt defaults are on the rise everywhere, but BNPL has its own risks that could make this a whole lot worse than people not being able to split their Costco hotdog into 4 easy payments.
Follow to learn How Money Works.
Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks
Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.
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Keywords: corporate finance, economic education, financial education
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Strikes Just Shut Down America's Most Important Ports... WTF Happens Now? (Never mind it’s over)
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Edited By: Svibe Multimedia Studio
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Select Footage Courtesy of: Getty Images
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Sign up for our newsletter https://compoundeddaily.com 👈
All materials in these videos are for educational purposes only and fall within the guidelines of fair use. No copyright infringement intended. This video does not provide investment or financial advice of any kind.
#strike #business #shipping
At midnight on Monday this week, 45,000 dock workers, operating 36 ports across America walked off the job as part of their union’s first strike since 1977.
These ports handle TRILLIONS of dollars’ worth of trade every year and are an essential bottleneck in global supply chains.
This will affect everything from the fight with inflation, to manufacturing jobs, to just your ability to buy some junk off Temu… oh and I don’t know if you have noticed, but this is also happening right before an election…
The accusation has been made that this is just an opportunistic money grab directed at the most vulnerable part of the economy, made by workers who are already earning MUCH more than the national average…
So why are these workers striking? … and what happens now that they are?
The Union is asking for the standard renegotiation of pay and conditions, but the Maritime Alliance is arguing that their demands have gone too far… and… I can’t believe I am going to say this… but… they might have a point…
According to a the associated press the union’s demands are a 77% increase in pay across all workers to be implemented over the next six years, and a COMPLETE ban on automation which could replace workers jobs…
The union is arguing that despite these earning the pay increase is not unreasonable considering this is just an opening offer which is already being negotiated AND it’s meant to be incremental across six years which means their pay will “only” increase by about 9% year to year…
Union workers believe they are in a fight for the future of their jobs and the ports are desperately trying to catch up with other global rivals, and it’s unclear how either of them are going to back down from their non-negotiable positions…
So, it’s time to learn How Money Works, to find out what shutting down a crucial supply channel means… for everybody else in the world.
Follow to learn How Money Works.
Find How Money Works on YouTube: https://www.youtube.com/@HowMoneyWorks
Disclaimer: This podcast is an independently produced audio adaptation of content originally created by How Money Works. It was developed by a fan who values the channel’s clear and engaging approach to financial education, with the goal of making that knowledge more accessible in a hands-free, audio format. This is not an official production of How Money Works, and it is not affiliated with or endorsed by the channel. All rights to the original video content remain with How Money Works. For any concerns, inquiries, or content-related requests, please feel free to reach out.
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Keywords: private equity, money management, corporate finance, ai bubble, business analysis, investment strategies, housing bubble
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