Natalie Pace Blogs
Photo of Natalie Pace by Marie Commiskey. Avalon Photography.
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 Multigenerational housing is on the rise. 18% of young adults age 25-34 are living with a parent (source: Pew). If Interest Rates Have Dropped, Why Are Mortgage Rates So High? Investors Ask Natalie. Dear Natalie: Why are mortgage rates still so high? Shouldn’t borrowing rates go down now that the Federal Reserve Board has been cutting rates? What’s going on? Signed, Concerned Homeowner Dear Concerned: I feel your pain. If you have any housing challenges, please feel free to email [email protected]. Whether you are concerned about your home equity, the high cost of housing, downsizing, upsizing or monetizing, we have resources. Hoping for a lower Fed Fund rate is not a magic pill for this frozen housing market for some of the reasons I outline below. However, there are ways to fix our individual housing challenges (and there are so many challenges today). The more specific you are with me about the problem (which can be kept anonymous, as this blog is), the easier it will be to point you to the solutions. I’ve already written extensively on this topic in my books and blogs and have covered housing and real estate for over two decades. (We warned of the housing bubble in 2005 – before it popped… The high for housing then was 2006.) Housing Solutions Part of my own personal story is that I was able to launch my financial freedom initiative in 2002 because I teamed up with another single mother, got a better place in a better neighborhood for a savings that put thousands of dollars annually back in my own budget. CoAbode estimates that each household can save $19,000 or more by teaming up. You also get bonus personal free time by having another adult in the home. There is an entire section on real estate in The ABCs of Money, 6th edition, including many case studies that illustrate the solutions to embrace and the money pits to avoid. Be sure to read the 10-Point Home Buyer checklist. If you’d like me to host a free Housing Solutions videoconference, email [email protected] with Housing Solutions Videocon in the subject line. Be sure that you are subscribed to my YouTube and Substack channels, so that you are notified when my podcasts are published. Mortgage Rates Tend to be 2% Higher than the 10-year Treasury Mortgages are long-term contracts. That means that banks are factoring in more than just the Fed Fund Rate (which is a short-term borrowing rate used by the banking industry). Over the past decades, mortgage rates tend to be about 3% higher than the Fed Fund Rate. Economists note that the 30-year fixed mortgage rate is more closely aligned with the 10-year Treasury yield (plus 1.5-2.0%) than the Fed Fund rate. The 10-year Treasury yield on Jan. 23, 2026, was 4.24%, while the 30-year fixed rate mortgage was 6.09%. At 3.5-3.75%, the current Fed Fund Rate is almost 2% below its peak on July 27, 2023 of 5.25-5.50%. The average rate on a 30-year fixed mortgage is also down almost 2% from the high in October of 2023 of 7.8%, at 6.09%. In other words, mortgage rates have dropped from their peak in 2023. What I’m sensing in your question is a hope that rates will magically plunge below 4% again – something that is not predicted to happen. 2026 Forecast for Mortgage Interest Rates “Our forecast is for mortgage rates to stay within a narrow range over the next few years, between 6 and 6.5 percent. This forecast becomes more likely as the Fed reaches the end of their cutting cycle next year,” according to the MBA’s December 2025 Economic and Mortgage Finance forecasts. The Federal Reserve Board is expected to pause rates at the Jan. 28, 2026, meeting. There is only one rate cut forecasted for 2026, and one more in 2027. The longer run expectation is 3.0%. Of course, expectations can change for a multitude of reasons. If inflation rises, rates should increase. (The Fed Fund Rate during the Great Inflation in 1980 soared to 20%!) If unemployment rises, rates should fall. If the Federal Reserve Board is no longer independent, all bets are off. Low-Rate Pandemic Fixed Mortgages One of the challenges for the current market is that many homeowners were able to lock in fixed mortgages at historic lows during the pandemic – some at rates that are half of what a new mortgage would be. As the below chart indicates, while mortgage interest rates are much higher than they were during the pandemic and in the wake of the Financial Crisis of 2008, on a historic basis, they are still rather low.  That means that Boomers can’t afford to downsize, even though they are in retirement, which limits the supply available for Millennials and Gen Z. According to a July 2025 Bankrate survey, 54 percent of U.S. adults said there was no mortgage rate at which they would be comfortable selling their home. Nearly 1 in 3 (32 percent) would need a mortgage rate lower than 6 percent to feel comfortable, while 23 percent said rates would need to fall below 5 percent. Supply is Low. The Market is Frozen. Low supply and pent-up demand have pushed housing prices near all-time highs. The all-time median high for an existing home (all types) was $435,300 in June of 2025 (source: National Association of Realtors). By December 2025, the median price had fallen to $405,400. Even with the slight pullback, prices are still unaffordable, requiring more than 28% of one’s salary. At that rate, would-be buyers can’t qualify for a mortgage. The median age of 1st time homebuyers is now 40 years old, the highest on record. This compares with an average age of late 20s in the 1980s. Not surprisingly, we now have “trad” stay-at-home young adults – Gen Z and Millennial sons and daughters who live with their parents. In a recent report from Pew, 18% of young adults were still living at their mom or dad’s home in 2023. Young men were more likely to do so (20% vs. 15% female). Bottom Line Interest rates were rock bottom in the wake of the Great Recession to stoke the economy back to life. They stayed there so long that many of us thought that was normal. Inflation changed the game and is still a bug in the economy. With few economists predicting mortgage rates below 6% over the next few years, other solutions (such as multigenerational housing) are becoming more popular – by necessity. It’s important to remember that when we face a financial challenge, the sooner we find a viable solution, the better. (We were able to help many distressed homeowners early in the housing crisis of the Great Recession, which set them up for a better decade than those who had to ride out the trauma.) Email [email protected] and let us know what challenges you’re facing. We’ll do our best to provide you with valuable resources and solutions. Hope is not a strategy. Are you aware that the hot funds we've been featuring in our sample pie charts and retreats performed at the top of Wall Street in 2025? Silver tripled. Peru (copper) was on fire with over 100% gains. Even clean energy scored 55%... Why not treat yourself to the gift of financial freedom to create a New Year, New Me in 2026? Register now to join us at our online Financial Freedom Retreat April 24-26, 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Jan. 31, 2025 to receive the best price and a complimentary 50-minute private prosperity coaching session with me (value $400). Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM "Many people, including educated men and women, often get into trouble when they neglect to follow simple and fundamental rules of the type provided [by Natalie]. This is why I recommend them with enthusiasm." Professor Gary S. Becker. Dr. Becker won the 1992 Nobel Prize in economics for his theories on human capital "College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble." Joe Moglia, former Chairman & CEO, TD AMERITRADE. If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Jan. 31, 2026 to receive the best price and a complimentary 50-minute private prosperity session (value $400). Teens and college students can attend for just $99.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now.  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Answers Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest The War Over Warner Bros. Is an EV Winter Coming? Copper and Peru are Hot, Hot, Hot. 2026 Rebalancing IQ Test. Answers to the 2026 Rebalancing IQ Test. 2026 Crystal Ball. Is the AI Bubble About to Pop? A+ 2025 Performance Report Card with Bragging Rights. The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Our Super Performing Hots and Value Replacements. Is Your Income Strategy Losing Money? Gold and Silver Soar. Get Safe & Hot in 1 Easy Plan. Home Prices Soften. Is Your City Next? Tesla Vision vs. Waymo LiDAR and Air Taxis. Are Any of Them Safe? Archer Aviation is Chosen to be the Exclusive Air Taxi Service for the 2028 L.A. Olympics. Company of the Year? USA Downgraded. Is U.S. Reserve Currency Status Threatened? Utilities: In the Eye of the Natural Disaster Storms. Aging Mom Doesn't Want to Discuss Dilapidated House. Investors Ask Natalie. Tesla, Tariffs, Chinese Competition and Price Wars. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Should I Have a Money Manager? 10 Rules of Successful Investing. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.
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 The War Over Warner Bros. Warner Bros. Discovery has a binding merger deal with Netflix that will cost $2.8 billion to terminate. According to the Amended Letter to Shareholders published by WBD on January 7, 2026, the total price tag of abandoning the Netflix deal in favor of Paramount Skydance (PSKY) could run as high as $4.7 billion. Meanwhile, PSKY is leaning into its hard wooing (hostile bid), with a lawsuit demanding more forensic details on the financials behind the board’s rejection of PSKY’s bid. In a letter to WBD shareholders, David Ellison explained the lawsuit, writing that it was necessary “so that WBD shareholders have what they need to be able to make an informed decision.” Paramount Skydance alleges their offer is worth more than Netflix’s, at $30/share compared to Netflix’s $27.75. At face value, the price is higher. However, there is a lot more to the equation than meets the price. In the interest of full due diligence and making an informed decision, will PSKY be advising WBD investors that the company's credit rating is below investment grade (from S&P Global), that it lost -$6.19 billion in 2024 and that the company’s market value ($13 billion) is a rounding error of Netflix? Netflix credit rating is A with a 22% net profit margin and a market value of $410 billion. Here are the things we’ll cover in this blog. Email [email protected] with Warner Bros. in the subject line, if you'e like an updated Netflix+ Stock Report Card. David (Ellison) vs. Goliath Creditworthy vs. Junk Profits vs. Losses Do Customers Win or Lose? And here is more information on each topic. David (Ellison) vs. Goliath As I mentioned above, Paramount Skydance is a publicly traded company with a market value of $13 billion. Netflix is worth $413 billion. So, how is Paramount Skydance financing its $94.65 billion debt/equity offer for Warner Bros. Discovery? Through leverage and borrowing. In the letter to shareholders, the Warner Bros. Discovery Board of Directors explained that the leveraged buyout proposed by PSKY would be the largest in history. “To effect the transaction, it intends to incur an extraordinary amount of incremental debt — more than $50 billion — through arrangements with multiple financing partners,” the BOD explained, writing that this is risky due to the “acquiror’s reliance on the ability and willingness of its lenders to provide funds at close.” That’s not the only risk that the Warner Bros. Discovery board is worried about. They are also concerned about the creditworthiness of PSKY. Creditworthy vs. Junk Paramount Global (the parent company of Paramount Skydance) has a junk bond rating (BB+) from S&P Global. Fitch Ratings and Moody’s have the company at the lowest rung of investment grade with a negative outlook. Netflix enjoys an A- credit rating from those same agencies. Given the low credit quality, are the WBD directors’ concerns about Paramount’s ability to complete the deal valid? As Warner Bros. Discovery cited, “The risks inherent in the LBO structure are exacerbated by the amount of debt PSKY must incur, its current financial position and future prospects, as well as the lengthy period to close the transaction — which PSKY itself estimates to be 12-18 months following signing.” For instance, if Fitch or Moody’s downgrades Paramount to junk, that rating action could jeopardize the deal. The negative outlook makes that a possibility. Profits vs. Losses Netflix makes money, $8.71 billion last year, while Paramount Global had losses totaling -$6.2 billion in 2024. Paramount’s losses in the most recent quarter (Sept. 2025) were -$257 million. Do Customers Win or Lose? Here are a just a few of the possibilities. *Customers who pay for both services could win in either merger by having only one subscription to pay for. *Analysts worry that the debt load of a Paramount Warner Bros. merger would stifle creativity. *Having Warner Bros. legacy brands at Netflix could prompt the company to charge a premium for Harry Potter and other serial brands, including the DC Universe and HBO’s prestigious content. *Paramount Skydance argues that their merger with WBD will clear, whereas the WBD/Netflix merger might be labeled a monopoly by the U.S. Dept. of Justice. Bottom Line Both Warner Bros. Discovery and Paramount Global have lagged Netflix in terms of popularity with investors – largely to do with the companies’ high debt, weak revenue performance and net losses. Warner Bros. Discovery lost -$11.31 billion last year. However, despite net losses and being abandoned by Wall Street, WBD has managed to continue producing hits, including The Pitt, Hacks, The White Lotus and The Gilded Age. The Paramount Global hostile takeover bid “comes with significant risk, but makes strategic sense,” according to Moody’s. Netflix has suffered from a perception of having slop content. Clearly, Warner Bros. Discovery and Netflix have something to offer one another and have a binding merger agreement. The question is, “What kind of fire power will David Ellison attempt to harness for his 9th attempt to force a merger with WBD and will it finally work?” (Jared Kushner pulled out of the deal on Dec. 17, 2025.) Are you aware that the hot funds we've been featuring in our sample pie charts and retreats performed at the top of Wall Street in 2025? Silver doubled. Peru (copper) was on fire with 80% gains. Even clean energy scored 60%... Why not treat yourself to the gift of financial freedom to create a New Year, New Me in 2026? Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Dec. 1, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register with family and friends to receive the best price. Teens and college students can attend for just $99.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now.  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Answers Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Is an EV Winter Coming? Copper and Peru are Hot, Hot, Hot. 2026 Rebalancing IQ Test. Answers to the 2026 Rebalancing IQ Test. 2026 Crystal Ball. Is the AI Bubble About to Pop? A+ 2025 Performance Report Card with Bragging Rights. The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Our Super Performing Hots and Value Replacements. Is Your Income Strategy Losing Money? Gold and Silver Soar. Get Safe & Hot in 1 Easy Plan. Home Prices Soften. Is Your City Next? Tesla Vision vs. Waymo LiDAR and Air Taxis. Are Any of Them Safe? Archer Aviation is Chosen to be the Exclusive Air Taxi Service for the 2028 L.A. Olympics. Company of the Year? USA Downgraded. Is U.S. Reserve Currency Status Threatened? Utilities: In the Eye of the Natural Disaster Storms. Aging Mom Doesn't Want to Discuss Dilapidated House. Investors Ask Natalie. Tesla, Tariffs, Chinese Competition and Price Wars. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Should I Have a Money Manager? 10 Rules of Successful Investing. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Image: MetaAI Is an EV Winter Coming? Electric vehicle tax incentives were terminated in the U.S. on Sept. 30, 2025. China’s tax exemption for EVs ended on Dec. 31, 2025, and a 5% purchase tax is being enforced in 2026 and 2027, increasing to 10% in 2028. Is an EV Winter approaching, or will strong consumer demand continue to drive sales? Here are the topics we’ll cover in this blog. Email [email protected] if you’d like an updated Auto Stock Report Card. Global EV Sales U.S. EV Sales Tesla Price Wars The Magnificent 7 Here is more information on each topic. Global EV Sales According to Electrek, global EV sales are expected to come in at over 18.5 million for 2025. That represents 23% sales growth (by unit) year over year. China is the biggest market, with 11.6 million EVs sold January through November, for 63% market share, followed by Europe (3.8 million), North America (1.7 million) and the rest of the world (1.5 million).  Source: Electrek.co. EVs accounted for about 25% of vehicle sales in 2025. Meanwhile, ICE* vehicles are about 63% of the market, down from 78% just a few years ago. The consensus is that ICE vehicles are in a terminal decline. *Internal Combustion Engine U.S. EV Sales Next year, partially due to a scaling back of the tax incentives in China and the end of the tax credits in the U.S., EV sales growth is expected to slow to 12% (source: Bloomberg New Energy Finance). The U.S. is expected to have a particularly difficult go of it in 2026, though longer term prospects for the transition out of ICE* and into EVs should spark again in 2027 and 2028. The problem with just hanging on for that outcome is that we have seen a great deal of volatility, particularly when the share price is very expensive. Tesla’s 52-week low is $215/share, compared to $431.41 on Jan. 7, 2026. There is no guarantee that the recovery is swift when that kind of plunge occurs. Despite the industry move to electric, Ford Motor Company is taking a $19.5 billion impairment charge (most in 2025) and will have a new focus on hybrids and using its batteries to power data centers. According to Ford’s press release on Dec. 15, 2025, “Ford plans to begin shipping BESS [Battery Energy Storage] systems in 2027 with 20 GWh of annual capacity.” Ford’s retreat from EVs has a lot to do with the cash negative trajectory that most EVs go through in the early stages. Ford’s debt load restrains the company from losing money on a new venture, like the startups have been able to do. Borrowing to build factories is different than borrowing to pay off debt, pensions and OPEB (Other Post Employment Benefit) costs. S&P Global has Ford Motor Company at the lowest rung of investment grade (BBB-) with a negative outlook. The shift in direction likely has everything to do with Ford trying to keep investment grade status, as a downgrade puts it back in junk bond territory.  Ford expects 2025 adjusted EBIT to be $7 billion, which is -31.4% lower than 2024’s $10.2 billion. The company will release their 4Q and full year earnings report on February 10, 2026, at 4:05 pm ET. Tesla Tesla’s deliveries were down -15.6% year over year in the 4th quarter, from 495,570 in 2024 to 418,227 in 2025. Annual sales were down as well, with 1,636,129 vehicles delivered in 2025, compared to 1,789,226 in 2024. This largely has to do with the elimination of the tax credit in the U.S. and intense competition in China. Price Wars As I warned repeatedly in 2025, Tesla’s net income in 2025 is likely to come in at less than $5 billion. The heyday for the company was 2023, with a net profit of $15 billion. 2024’s profit was less than half of that, at $7.13 billion. There are hundreds of electric vehicles available, particularly in China, the world’s largest EV market. While Tesla has been a beloved brand worldwide for over a decade, the cars are more expensive than the Chinese competitors. Tesla has lowered prices to compete (thus the lower net profit) but is still losing market share. China’s BYD was the top BEV seller in 2025, with 2.26 million units sold over Tesla’s 1.64 million. BYD’s more affordable EVs were also more popular in the U.K. and Germany than Tesla in 2025. The Magnificent 7 The trillion-dollar companies that are leading the gains on Wall Street have been responsible for outsized investor wins and losses over the last few years. When stocks are on fire, Alphabet, Apple, Amazon, Meta, Microsoft, Nvidia and Tesla are the sparks. When prices plunge, they are the culprits, as you can see in the chart below showing 2022 performance. In April of 2025, investors could have purchased Nvidia for under $95/share.  Why the wild rides? Investors are intoxicated with AI and EVs and then sober up whenever there is a fly in the drink. April was the Tariff Scare. In 2022, there were two quarters of negative GDP growth (though no official recession was declared). It’s not that AI or EVs are going out of style. It’s that the share prices are too expensive and there is a worry about cash burn. You might have heard the term "AI Bubble" being used a lot by pundits. While Tesla could be worth trillions by 2030. In 2026, it was a company that earned less than $5 billion. Should a company with $5 billion in net profits be worth $1.43 trillion? When stocks get too expensive, the correction tends to be swift and severe. We saw this in the Dot Com Recession and in the Great Recession with overvalued real estate. Bottom Line EVs (and AI) are here to stay. However, the road from here to full adoption will likely include twists and turns, which could prompt wild gyrations in share prices, as we’ve seen over the past few years. While the general trend has been up, it is also true that the economy hasn’t seen a recession. Recessions can drag down even great companies. Having said that, no recession is predicted for 2026. Most economists believe that the economy will be modestly stronger this year – 2.3-2.8% GDP growth – thanks to AI and data centers. (Economists are terrible at picking recessions.) Our best protection is to have a diversified wealth plan and capture gains when share prices soar. With stocks at an all-time high as I write this blog, now is a great time to make sure that we have an age-appropriate, diversified wealth plan that includes hot industries, including AI and EVs, while also protecting our principal from losses in the event of a correction. (Our hots include silver and Peru, which soared in 2025, with far superior performance to EVs, AI and the Magnificent 7.) We make investing as easy as a pie chart. Consider joining me at our New Year New You ONLINE Financial Freedom Retreat Jan. 17-19, 2026. Email [email protected] if you might be interested in an unbiased 2nd opinion of your current strategy, along with a time-proven blueprint. Why not treat yourself to the gift of financial freedom to create a New Year, New Me in 2026? Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Dec. 1, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register with family and friends to receive the best price. Teens and college students can attend for just $99.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now.  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Answers Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Copper and Peru are Hot, Hot, Hot. 2026 Rebalancing IQ Test. Answers to the 2026 Rebalancing IQ Test. 2026 Crystal Ball. Is the AI Bubble About to Pop? A+ 2025 Performance Report Card with Bragging Rights. The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Our Super Performing Hots and Value Replacements. Is Your Income Strategy Losing Money? Gold and Silver Soar. Get Safe & Hot in 1 Easy Plan. Home Prices Soften. Is Your City Next? Tesla Vision vs. Waymo LiDAR and Air Taxis. Are Any of Them Safe? Archer Aviation is Chosen to be the Exclusive Air Taxi Service for the 2028 L.A. Olympics. Company of the Year? USA Downgraded. Is U.S. Reserve Currency Status Threatened? Utilities: In the Eye of the Natural Disaster Storms. Aging Mom Doesn't Want to Discuss Dilapidated House. Investors Ask Natalie. Tesla, Tariffs, Chinese Competition and Price Wars. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Should I Have a Money Manager? 10 Rules of Successful Investing. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Machu Picchu. Copper is Hot, Hot, Hot, as is the 2nd Largest Exporting Country, Peru. In 2025, all the talk was about artificial intelligence. Meanwhile, copper prices rang in new highs and our mid-value replacement fund, the iShares Peru ETF (symbol: EPU), scored 80% gains, compared to Nvidia’s 36.5%. So, will 2026 be as spectacular for copper and Peru?  Here are the things that we’ll cover in this blog. Email [email protected] if you’d like an updated Copper Stock Report Card. Copper Prices 2026 Outlook Peru Argentina‘s 1st Regenerative Copper Mine Individual Companies versus ETFs And here is more information on each point. Copper Prices Copper prices are at all-time highs, at $5.60 per pound. This is particularly positive for Peru, the second largest exporter of copper. 2026 Outlook According to Bloomberg New Energy Finance, “For copper, all scenarios lead to a deficit. Copper sees a steep long-term increase in use. Energy transition demand triples by 2045, driven by electric vehicles, grid expansion and data centers. The commodity enters a structural deficit from 2026 onward.” New copper projects, such as the McEwen Copper Mine in Argentina are coming online. However, production isn’t expected to begin until late 2029 or 2030. In the meantime, if demand is high and supply is constrained, that keeps pressure on prices to remain high. Peru Peru is one of the countries that is benefiting from the clean energy transition, and the need for copper. We’ve noted for quite a few years that the Peruvian ETF (iShares EPU) is a competitive mid cap or small cap value replacement fund. That has paid off big time. I mentioned above that share prices jumped 80% in 2025, which is more than triple the returns of the Magnificent 7. An additional upside is that EPU offers a dividend that is as competitive or higher than the U.S.-based value fund. We are also getting exposure to the materials sector, which has been largely missing from most funds.  Copper demand bodes well for Peru and the Peruvian economy. However, there is one major risk – social unrest. We have seen disruptions in operations due to protests and illegal blockades. Mining can be a very environmentally hazardous proposition, which can activate locals to protest. It appears that the current Peruvian protests are organized by CONFEMIN the National Confederation of Small-scale and Artisanal Mining of Peru. The local miners believe that foreign nationals and the environmental and safety demands they must now meet to obtain a permit are putting them out of work. The protesters vow to continue until their demands are met. Some mining companies, including Hudbay Minerals, have had to suspend operations. Hudbay halted production at its Constancia Mine in Peru in September due to the protests. It is one of the few companies on the Stock Report Card that saw revenue drop, and that will likely persist in the 4th quarter earnings report. Argentina‘s 1st Regenerative Copper Mine McEwen Copper is building Argentina‘s 1st regenerative copper mine. That blueprint is one that might help other copper mines around the world to have a better relationship with the communities that they operate in by showing stewardship of water and waste. McEwen Copper is planning an IPO in 2026. For now, the easiest way to invest in McEwen Copper is through its partial owner, McEwen Mining, symbol MUX. You can check out my interview with the chief owner and chairman of McEwen Mining from last month at youtube.com/nataliepace and https://nataliepace.substack.com/. Not surprisingly, MUX stock soared 128% in 2025. Individual Companies versus ETFs Southern Copper has seen gains of 57% year over year. Freeport-McMoran had gains of 28%. In 2025, Hudbay Minerals saw the biggest jump of 138%, with shares at $20 on Jan. 2, 2026, vs. $8.50 a year ago. Production halts are already significantly impacting the revenue of Hudbay. If the situation is prolonged, investors might look for better opportunities. When share prices are lofty, as they are today, investors are impatient. AI excites everyone. However, we could have purchased Nvidia at $95/share in April, during the Tariff Fright. Investors in today’s world fall in and out of love fast. Are retail investors trading on headlines, or do they understand valuation and risk? Are we aware that investing in an individual company is like playing tennis with Serena Williams? It’s the job of hedge funds to work nonstop, even for incremental, swift gains. They have training, discipline, focus, expertise, tricks of the trade and a few rules on their side. When we invest in an exchange traded fund, there are a number of different companies in the fund that can protect us from the volatility of one company. Most of us have jobs and can’t babysit our stocks or compete with hedge funds. Therefore, ETFs are going to be a better choice for the average person. Targeted ETFs mean that we can have a hot slice focused on artificial intelligence, Peru, and most countries and sectors that we might be interested in. (It’s important to also purchase from a creditworthy fund company, not just IStartedMyFundYesterday.com.) Since Peru’s economy is so closely tied to the price of copper, the performance of the iShares EPU ETF will likely mirror copper prices. With prices at all-time highs, Peru should stay strong. However, if global demand for copper abates or declines, the price of copper could go down. Goldman is forecasting that with the stockpiles of copper in the U.S. and China, there might not be a plunge in price even if there is a weakening in demand this time. However, thinking that this time will be different is a common mistake of investors. Copper prices and mining companies are often the first to suffer in a recession. They can be the canary in the coal mine. That is one of the reasons why copper is commonly called Dr. Copper on Wall Street. Bottom Line We will continue using Peru as a mid cap value replacement in our sample pie charts, even as we monitor the protests in Peru and copper prices. (If you hear of something relevant, please email [email protected].) A massive jump in demand for copper combined with restrained supply should keep copper prices elevated in 2026 and is projected to keep them high for years beyond, while supply struggles to meet demand. This benefits Peru and their investors. Why not treat yourself to the gift of financial freedom to create a New Year, New Me in 2026? Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Dec. 1, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register with family and friends to receive the best price. Teens and college students can attend for just $99.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now.  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Answers Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest 2026 Rebalancing IQ Test. Answers to the 2026 Rebalancing IQ Test. 2026 Crystal Ball. Is the AI Bubble About to Pop? A+ 2025 Performance Report Card with Bragging Rights. The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Our Super Performing Hots and Value Replacements. Is Your Income Strategy Losing Money? Gold and Silver Soar. Get Safe & Hot in 1 Easy Plan. Home Prices Soften. Is Your City Next? Tesla Vision vs. Waymo LiDAR and Air Taxis. Are Any of Them Safe? Archer Aviation is Chosen to be the Exclusive Air Taxi Service for the 2028 L.A. Olympics. Company of the Year? USA Downgraded. Is U.S. Reserve Currency Status Threatened? Utilities: In the Eye of the Natural Disaster Storms. Aging Mom Doesn't Want to Discuss Dilapidated House. Investors Ask Natalie. Tesla, Tariffs, Chinese Competition and Price Wars. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Should I Have a Money Manager? 10 Rules of Successful Investing. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. |
AuthorNatalie Pace is the co-creator of the Earth Gratitude Project and the author of The Power of 8 Billion: It's Up to Us, The ABCs of Money, The ABCs of Money for College, The Gratitude Game and Put Your Money Where Your Heart Is. She is a repeat guest & speaker on national news shows and stages. She has been ranked the No. 1 stock picker, above over 830 A-list pundits, by an independent tracking agency, and has been saving homes and nest eggs since 1999. Archives
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