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Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1h

“What we learn from history is that people don't learn from history.”

— Warren Buffett

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 5h

This is insane…

It's taken the US 100 years to do what Rome did in 250 years regarding its currency devaluation.

How does this make you feel?

2 7 15

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 7h

Over $1,650,000,000,000 wiped out from the stock market today.

President Trump announces a 100% tariff on China starting November 1st.

Wow.

3 7 24

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 8h

The warning signs look familiar. Too much capital chasing ideas that don’t solve real problems. When reality catches up, only the companies with real cash flow will survive.

The hype around AI feels like 1999 all over again. Investors forget that technology adoption takes time.

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Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 10h

JUST IN: Stock Market 'Fear & Greed Index' hits fear for the first time since May.

2 9 19

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 11h

Happy October.

The S&P 500 erases -$1.2 TRILLION of market cap.

3 8 20

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 14h

A bigger paycheck won’t fix your bad spending habits.

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Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 17h

You just had to be there.

2 2 10

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1d

Here’s how bubbles are created

2 6 18

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1d

Ring the alarm lol

1

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1d

People don’t realize how badly the real economy is doing.

Foreclosures have surged across the US and are up 20% from this time last year.

2 9 25

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1d

Gold has crushed the stock market over the last 25 years. Yes… read that again.

25-Yr Performance:
🟠 GOLD +1,300%
🔵 S&P 500 +600%

2 4 16

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1d

Americans are using PTO to sleep instead of travel.

43% of millennials say they used paid vacation days to stay in bed, per Newsweek.

This is your reminder that you don't need to go on a vacation to use PTO. You can use PTO to rest, sleep, and turn your brain OFF.

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Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1d

Every day, AI looks more like the 2008 housing bubble. Wrappers on wrappers.

The wrappers are wrapping wrappers. With companies valued at insane amounts with zero profit.

3 8 22

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1d

Contrarian indicator. I always to the opposite of them lol

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 1d

Credit scores are dropping at the fastest pace since the Great Recession," per CNN.

My credit score dropped when I paid off my car.

Credit agencies told me: "Get more loans to increase your credit score."

The system punishes you for not owing it money.

Credit scores are one of the biggest scams.

4 7 60

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 2d

Gold is money. Everything else is credit.

— JP Morgan

9 20

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 2d

IRS to furlough 46% of its staff and shut down most operations as part of the government shutdown.

Scammers pose as IRS agents during shutdowns because you can’t call to verify. They’ll threaten arrest and demand gift cards. The real IRS never calls you first or accepts gifts cards as payment.

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Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 2d

Nvidia $NVDA CEO Jensen Huang says he wants to be involved in almost everything Elon Musk does.

Nvidia $NVDA will now take up to $2 billion of equity in Elon Musk's xAI, Bloomberg reports.

Musk brings data from cars, rockets, and social graphs. Nvidia brings compute and systems.

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Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 2d

Electricity price increases.

Ours went from $150 to $300. How much is yours?

2 5 19

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 3d

This is the definition of broken:

44% of U.S. homeowners and renters are struggling to afford their regular rent or mortgage payments, per Redfin.

Do you realize what's happening?

4 5 20

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 3d

Every time, it meant the same thing: People lost faith in their money and government.

History is repeating itself right now — and almost no one is paying attention.

1 1 10

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 3d

• French Revolution (1789) → Monarchy overthrown
• Weimar Germany (1921-1923) → Hyperinflation destroyed savings
• Bretton Woods collapse (1971) → Dollar crisis, gold soared 2,400%
• Soviet Union dissolution (1991) → Ruble collapse

1 9

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 3d

Gold crossed $4,000 today. This kind of rapid spike has only happened a few times in history — and it’s never ended well.

The pattern goes back centuries:

• Rome’s Crisis (235-284 AD) → Empire collapse
• Spanish Empire decline (1600s) → Lost world power status

2 8 20

Andrew Lokenauth | TheFinanceNewsletter.com @www.thefinancenewsletter.com · 3d

Unpopular Opinion: There is no AI economy. It loses billions of dollars and all gains are in speculative valuation.

The only one making a profit is Nvidia.

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