Natalie Pace Blogs
Photo of Natalie Pace by Marie Commiskey. Avalon Photography.
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Gold, Silver & Crypto. Are the Safe Havens Sinking? The S&P 500 is down -7.2% on the year, and off -9.3% from the high of 7002 set on January 28, 2026. How are gold, crypto and silver holding up? Should you pile into these safe havens? Here are the things we will cover in this blog. What happens to safe haven investments in bear markets? Who owns the most gold? Why is silver outperforming gold ? Why has silver dropped so much since Jan 29, 2026? Are safe havens a good strategy against a downturn? And here is more information on each topic. What happens to safe haven investments in bear markets? Gold & Silver Gold and silver are precious metals. The price tends to run with investor sentiment. When the world is swooning over stocks, the safe havens can be left behind. When equity prices plunge, initially everything can go down, including gold and silver. There typically comes a point, however, when the precious metals decouple and start soaring. In the Great Recession, gold and silver suffered, initially. In 2008, gold was down -9.4% on the year, while the S&P 500 lost -38.5%. Both gold and silver hit their all-time highs (of that period) in September 2011, after S&P Global downgraded the US credit rating from AAA to AA plus. However, the 2011 highs were very short-lived. For the decade between 2012 and the pandemic, gold and silver plunged again, with losses of over -45%. It’s important to know that the safe havens can go down in value quite suddenly and stay there for a while. Between 1980 and 2005, there was a 26-year period of gold prices in the $250-$450/ounce range, after hitting a high of $800/ounce in January of 1980. Having an age-appropriate, properly diversified plan and using gold or silver as one or two hot slices, combined with 1-3 times a year rebalancing, will help to keep us on the right side of the trade. The bottom line is that gold and silver can perform better in corrections and bear markets, but they are also volatile. It’s not a good idea to go all in, especially when gold fever is raging. Bitcoin Bitcoin has two historical trends that play against it performing well in 2026. The first one is that when stocks plunge, bitcoin tends to cave in even further. That happened in spades in 2022. The S&P 500 lost -19.44%. Bitcoin lost -67%.  The other historical trend that plays against good performance in 2026 is the halving trend. I have been warning about this repeatedly in my Bitcoin blogs. (Click to access the most recent one from Nov. 30, 2025.) https://www.nataliepace.com/blog/are-we-headed-for-another-crypto-winter#/ 2026 could see a Crypto Winter that doesn’t end until mid or late 2027. Copper Copper is often referred to as Dr. Copper because when the economy weakens, copper prices are usually the first to plunge. Supply is a little constrained, while demand is very hot right now. So, there is a supply/demand case where copper prices remain elevated. Copper prices peaked at $6.58/pound in January of 2026 and are still high at $5.50/pound. However, in recessions, government and institutional projects get canceled and the demand for copper evanesces. That, of course, would affect the price of copper adversely, as well as one of our favorite ETFs, the Peru ETF (symbol: EPU). Peru is the 2nd largest exporter of copper in the world. Its economy is very heavily tied to copper prices. Who owns the most gold? The U.S. has the most gold by far, followed by worldwide gold ETF investors, and then the European countries. China, Brazil and India have been increasing their gold holdings, while Russia has had to sell some gold. Check out the Top 10 holders of gold as of March 2026 in the chart below.  Source: Gold.org. Why is silver outperforming gold? As you can see in the chart below, silver has been the superstar over the three- and five--year periods. Peru and clean energy have done better than gold year to date.  Silver started out the most recent cycle with a price that was subdued. We were leaning into silver instead of gold for that reason thinking that silver would attempt to catch up to its former high, and that would reward investors more than an investment in gold. That turned out to be the case. Typically, when investors lose faith in economies and stocks, they like both gold and silver. I’m still leaning into silver because the price is more palatable, especially for younger investors who might have to ease into their holdings. Why has silver dropped so much since Jan 29, 2026? Silver soared to an all-time high of $121.79/ounce on Jan. 29, 2026. The price stayed in that range for about three days and then settled back into the $70-$80/ounce range. This is a reminder that in the short run, stocks are a popularity contest. In the long run, things typically settle back into their supply/demand and longer-term trends. When we are fortunate enough to be on the winning side of a viral moment, it’s important to capture gains! It’s a reminder of just how effective rebalancing 1-3 times a year can be, and why it is important to take the data off the brokerage statement and put it into the pie chart format. That way, we are making choices based upon a time-proven system, rather than emotions – which tend to put us on the wrong side of the trade. Bottom Line Are safe havens a good strategy against a downturn? Yes, but only when incorporated into a time-proven, age-appropriate, properly diversified system that includes rebalancing and capturing gains. (Click to take our Rebalancing IQ Test.) Gold, silver and crypto are volatile – far more freewheeling than the name “safe haven” implies. We are currently using one or two slices of silver in our sample pie charts. However, I also just hosted a Rebalancing Masterclass (Jan. 10, 2026), where we were all reminded that stocks (including silver and Peru) were at an all-time high -- a perfect opportunity for capturing, and keeping, gains. 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 with friends and family to receive the best price. (Ask for access to a recording of our Real Estate, Bond or Rebalancing masterclass as our gift to you.) 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 with friends and family 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 4 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.  Photo by Marie Commiskey. Natalie Pace at the Ritz Carlton in Ireland. 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 The ABCs of Money for College 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 and watch videoconferences and webinars on Youtube. Other Blogs of Interest Hot Countries. Oil Prices Soar. Stocks Sink. 15 Rules of the Rich. The Venus Fly Trap of High-Yield and Private Credit Funds. AI Says There is a 70% Chance of a Correction in 2026. Learn why. Investors Sell Magnificent 7 for Chevron and Caterpillar. (Is this a good idea?) 6 Rules to Earn Tens of Thousands with Low Risk. 2026 Investor IQ Test. Answers to the 2026 Investor IQ Test. Finding Harmony: A King's Vision. Half a Century of Sustainability Leadership. Silver and Gold's Very Bad Day. Why are Mortgage Rates so High? 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? 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 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. 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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 Hot Countries Over the past three years, we’ve been using the same four countries as our value replacements, and for diversification. Some of the funds of these countries offer higher credit quality, lower debt and/or higher income than the United States. The question is: which countries are the best choice for 2026 and beyond? Have they changed? Here are the topics I’ll cover in this blog. The War in Iran and High Oil Prices Which Countries are the Best for Diversification? Why Do We Use Value Replacements for the Equity Income Slices? GDP Growth Credit Quality Industries & Exports 2026 Hot Countries U.S. Stocks are Sinking? Are These Countries Holding Up Better? And here is additional information on each topic. The War in Iran and High Oil Prices Do wars lead to recessions? Is anything hot in a recession? High gasoline and oil prices are highly correlated with recessions. If the current conflict in Iran is prolonged and oil prices remain high, this is negative for the entire world. It could lead to higher interest rates, lower GDP growth and strained finances for households and businesses. If the war is over quickly, then oil prices should fall and the world’s economies should stabilize. I remind everybody that our best protection against a correction or a recession is to always keep a percentage equal to our age safe. (Knowing what’s safe in a Debt World is just as important, which is why we spend one full day on this topic at our Financial Freedom Retreat.) Consider overweighting safe when there are economic storms on the horizon. We are overweighting 20% additional safe for many reasons, which I’ll outline in my upcoming videoconferences and retreat. Liquidity is an important asset in tough times, when opportunities abound and buyers are in short supply. I’m going to be discussing the War in Iran in my Thursday videoconference on March 26th. On April 2, I’ll discuss Hot Countries and Value Replacements. If you’d like to join me, please email [email protected] with Videocon in the subject line. Which Countries are the Best for Diversification? The Asian countries Indonesia and Vietnam rank high in GDP growth, productivity growth and low debt to GDP ratios. Ireland remains in the top five countries for GDP per capita, with economic strength in technology, AI, biotechnology and agriculture. The United States is a resilient, diversified economy with productivity growth and dominance in AI and technology. The country has a high debt to GDP ratio, but greater freedom and flexibility due to the dominance of the dollar as a world reserve currency. Australia and Peru are rich in natural resources and have lower debt to GDP ratios. Peru was our superstar in 2025. The iShares fund EPU almost doubled in 2025 (+83%), rising to $95/share (+132% year over year) on Feb. 27, 2026. (Click on the blue-highlighted words to learn more about each country.) FYI: When I’m selecting the countries, I’m looking at more than ten data points, including productivity. Most of the countries mentioned above (except for Australia) have higher productivity rates. Why Do We Use Value Replacements for the Equity Income Slices? The countries listed above are rich in natural resources and thus offer a lot of the sectors that are missing from our growth funds. Many of the funds offer income, which is another desirable feature of our value funds. An added benefit is that some of the yields are much higher than a typical U.S. value fund yield. Australia offers more income with higher credit quality than the U.S. – a rare example of taking on less risk for more reward (considering debt and income). However, in the event of a prolonged war, which raises the risk of a recession, all equity stocks and funds are at risk of losses. (Again: overweighting safe is our best protection from a plunge in prices.) GDP Growth Worldwide, GDP growth is expected to slow down to 2.6-3.1% in 2026. Asia is still the outlier, with Indonesia projected to experience 4.9% GDP growth, 5.6% in Vietnam and 4.2% in China. It’s not easy to find a pure-play Vietnamese fund that is offered by a fund provider with high credit quality and liquidity. Below are the GDP expectations for the other Hot Countries featured in this blog, along with their Debt to GDP ratio.  The above are economic growth projections. The current wars mean that economic growth could slow down, or even contract. If gas and oil prices remain high, then the risk of a recession grows. Although analysts have projected that the S&P500 could rise to 7,600 in 2026, Goldman Sachs recently warned that a severe oil supply shock could cause the S&P500 to sink to 5,400 (-17.8% from March 19, 2026). AI forecasted that there is a 70% possibility of a correction (-10%) in 2026. The odds of a U.S. recession in 2026 are 25% (source: Goldman Sachs). When the U.S. sneezes, the rest of the world catches a cold. Credit Quality Our country selections are all rated investment grade. Vietnam is in the speculative category. The U.S. has the largest amount of debt compared to GDP. However, the U.S. is still the most widely used world reserve currency, with the most gold reserves by far. (I’ll be publishing a Gold/Silver blog soon. Email [email protected] if you’d like the current Top 10 Gold Holders List.) The countries in red have the lowest credit rating, including Peru and Indonesia. However, they also have higher GDP growth expectations and lower debt to GDP than the U.S. Keep reading for my country selections for 2026, and why. 2026 Hot Countries Industries & Exports Each of the countries featured in this blog has their own unique niche. Indonesia is the top exporter of nickel and the number one producer of palm oil. The country has plans to make EV batteries. Indonesia manufactures semiconductors, automobiles and shoes, and exports iron, steel, coal and natural gas. The economy is expected to grow at one of the fastest paces in the world. Australia is a major global exporter of iron ore, coal, and lithium, accounting for over two-thirds of exports and around 6-10% of GDP. Household spending is the top driver of economic growth in Australia, as it is in the United States. When people can’t afford to buy gas, they pull back spending on everything. Australia typically has a higher interest rate than the U.S., with lower debt to GDP. Ireland has the 3rd best GDP per capita and has become a major European hub for technology, biotechnology, AI and agricultural products. Peru is benefiting from very high copper prices. The outlook continues for tight copper concentrate supply and high demand, a positive for the Peruvian economy and copper prices. However, a prolonged war could change the story, dramatically reducing industrial demand (car purchases, as one example), which would cause prices to plunge. This is something that can happen in a recession. Copper prices, referred to as Dr. Copper, often serve as a key indicator of economic health. U.S. Stocks are Sinking? Are These Countries Holding Up Better? As you can see in the chart below, we can add performance and income using hot slices (silver, clean energy) and country value replacement funds. Our capture gains strategy with 1-3 times a year rebalancing smooths out the volatility and keeps us on the right side of the trade. This is not day trading or an active plan. It’s simply employing a time-proven, age-appropriate, diversified system, and rebalancing once a year (or once a quarter) to keep it that way. Leaning into most of our country selections, growth funds and the hots has paid off far higher than just relying on the S&P500.  Source: MSN.com/money. I reiterate that rebalancing our wealth plan now with an emphasis on capturing gains, while the funds of silver, Ireland and Peru (and many other equities) are still trading near all-time highs, is very important. As you can see many of our ten slices have far outperformed the S&P500 over the 3-year period – even given the recent pullback. The safe side of our sample plan is earning a competitive income without any paper losses (for over two decades now). For those who do not have exposure to these countries and hot industries, it’s important to develop a strategic dollar-cost-averaging plan. I discuss this at our Financial Freedom Retreat and in my private coaching. Bottom Line Capturing gains is an important part of our wealth plan because it means we get to keep and build our wealth. Stocks are volatile by nature. So rather than hoping that stocks only go up, it is important to have an exit strategy that makes sense. Our pie chart system, when used properly and rebalanced 1-3 times a year, does just that. It also takes the emotions out of the wealth plan, as irrational exuberance or alarm typically work against an efficacious plan. If your wealth plan is down -5% or more on the year, you don’t have enough safe. A 60-year-old who is overweighting safe might earn gains in recessions, when most are at risk of losing half of their nest egg. As Nilo reported after the Great Recession: My husband spoke with Natalie Pace, and after a brief discussion, she charted a plan on the back of a napkin. I decided to take her advice. Soon after, we had the big crash. I was one of the few and lucky people who actually made money (instead of losing). So, thank you Natalie, for saving my retirement! Hot countries can increase performance and income. However, what soars can also sink. Rebalancing is important! We’ve been sending out countless emails since our Rebalancing Masterclass on Jan. 10, 2026, reminding everyone to capture gains. The high for the S&P500 was Jan. 28, 2026. If you haven’t rebalanced your wealth plan within the last few months, now is a great time to make sure that you have an age-appropriate, properly diversified plan in place. If you are dollar-cost averaging into one or more of the hot countries mentioned in this blog, the reason for staggering our purchases is so that if prices fall, we are buying at a lower price instead of losing money. It’s very important to work on our emotional intelligence when it comes to investing, so that our emotions work with, rather than against, us. 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 with friends and family to receive the best price. (Ask for access to a recording of our Real Estate, Bond or Rebalancing masterclass as our gift to you.) 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 with friends and family 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 The ABCs of Money for College 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 and watch videoconferences and webinars on Youtube. Other Blogs of Interest Oil Prices Soar. Stocks Sink. 15 Rules of the Rich. The Venus Fly Trap of High-Yield and Private Credit Funds. AI Says There is a 70% Chance of a Correction in 2026. Learn why. Investors Sell Magnificent 7 for Chevron and Caterpillar. (Is this a good idea?) 6 Rules to Earn Tens of Thousands with Low Risk. 2026 Investor IQ Test. Answers to the 2026 Investor IQ Test. Finding Harmony: A King's Vision. Half a Century of Sustainability Leadership. Silver and Gold's Very Bad Day. Why are Mortgage Rates so High? 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? 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 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. 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.  Graphic by MetaAI. Oil Prices Soar. Stocks Sink. The War Rages On. Oil prices are soaring. Stocks are sinking. The war rages on. How do you protect your wealth? Be sure to watch my free videoconference or listen as a podcast. Access on Youtube.com/NataliePace and https://NataliePace.Substack.com. Oil prices are skyrocketing. The Qatar minister is warning that oil prices could go as high as $150 a barrel. That could be the beginning of a very severe recession, if the war is prolonged. A brief war could see oil prices tumble back to the $58-65/barrel range. Check out the chart below, and you’ll see that recessions (the grey lines) are highly correlated with sky-high petrol prices.  Many of us forget (some of us never knew) that the last all-time high for oil was in July of 2008, right before the Financial Crisis and Great Recession. (It wasn’t officially announced until Oct. of 2008.) Since almost 70% of the US economy is made up of consumer spending, when we drain all the money in our budget out at the gas pump, we don’t have much left over for other spending. That hits companies very hard. The airline and auto manufacturing industries are usually the first to implode, and it certainly won’t help the frozen housing industry. General Motors and Chrysler declared bankruptcy in 2009. 13 airlines failed in 2008, after another spate of bankruptcies after 911. So, which companies will win and which will lose? Here are the things we’ll cover in this blog. Oil Defense Auto Manufacturers Airlines Housing Flight to Tesla and EVs? Crypto Gold/Silver What’s Your Best Strategy? And here is more information on each point. Email [email protected] if you’d like us to send you stock report cards on Airlines, Oil, Defense or Auto Manufacturers. Oil With oil prices at $90.90/barrel (WTI), after hitting a low of $57/barrel on Dec. 15, 2025, you might think a bet on Chevron or ExxonMobil is a great idea. However, there are a few macro trends to consider.
Why are oil prices rising in the US? The United States has been an annual net total energy exporter since 2019 (source: EIA.gov).  However, the U.S. still imports a lot of crude oil. When we fight a war in the Middle East, we do not use our own oil. We buy locally, from OPEC and Saudi Arabia. Understandably, the OPEC and Saudi Arabia trade deficits peaked during the wars with Afghanistan and Iraq. Since 2007, U.S. imports of crude oil have dropped dramatically. In 2020, 2023, 2024 and 2025, there was a U.S. trade surplus with Saudi Arabia (source: USTR.gov).  Oil and gas are actively traded around the world. So, when the price of oil in Europe rises (Brent), so will oil and gas prices in the U.S. (WTI). Defense Defense companies are in favor, with many of the well-known companies setting new 5-year highs recently, including Northrop Grumman, Lockheed Martin, General Dynamics, Elbit Systems. RTX Corp. and Huntington Ingalls. If the current conflict becomes a protracted war, then the companies might support the high price-earnings ratios of their stock. If the fighting ceases, will there be enough investor support to keep elevated prices from falling? Additionally, war means high oil prices, which could spark a recession. Be careful buying high. If you got into defense before 2026, then you might be quite happy with that call. Capturing gains at an all-time high could make you even happier. The defense industry tends to have slow growth, low profit margins, high debt and low credit ratings. Northrop Grumman, RTX Corp., Textron, Huntington Ingalls and Boeing are all rated in the BBB range – at the lowest rung of investment grade. Auto Manufacturers Auto manufacturers were already showing signs of stress – before the War in Iran. Stellantis and Ford Motor Co. lost billions in 2025, as the EV price wars heated up – -$8.2 billion for Ford and an eyepopping -$26.3 billion for Stellantis. Tesla’s net profit was $7 billion – less than half of what the company made in 2023. One more point: a lot of investors are chasing income and high-yield. Stellantis had a yield of 7.20% before the dividend was suspended on Feb. 6, 2026. A gap down in share price occurs concurrently (before you can sell). Stellantis investors have lost almost -40% since January. They will lose even more if the company is downgraded to junk. (Stellantis has a BBB- credit rating with a negative outlook.) Investors who are employing our safe strategies are earning a market yield with no paper losses. We spend one full day discussing this at our Financial Freedom Retreats. I also cover this in my private coaching. Email [email protected] to learn more. Airlines On Feb. 10, 2026, the Energy Information Administration issued their short-term energy outlook, projecting that oil prices would “decline in 2026, as global oil production exceeds global oil demand, causing oil inventories to rise. Global inventories continue increasing into 2027. We forecast the Brent crude oil price will average $58 per barrel (b) in 2026 and $53/b in 2027.” It’s understandable that airlines are not hedging their fuel costs. If the War in Iran is over quickly, that will be a good bet. If not, the results could be disastrous. Airlines are another industry with squeezed profit margins, massive debt and leverage and low credit quality. Some airlines, including United, Alaska, American and JetBlue are in the junk bond category. Housing As you can see in the performance chart below, real estate was one of the worst sectors in 2025.  Unaffordability remains a challenge, as you can see in the ATTOMDATA chart below. (Click to access their full blog.)  When housing costs take up too much of the budget, would-be home buyers can’t qualify for a mortgage. Could the best opportunity be lying in plain sight? We’re happy to offer access to the Real Estate masterclass recording to anyone who registers for the Financial Freedom Retreat. (Just request this with your registration.) Email [email protected] to learn more. Commercial real estate remains one of the most vulnerable areas of the economy, negatively impacting banks, insurance companies, pensions and other long-term investors. Flight to Tesla and EVs? Ford and Stellantis have lost billions trying to compete in the electric vehicle market, which is dominated by Chinese EV makers. China is the biggest EV market in the world. Both companies announced that they would shift away from a focus on EVs to “consumer demand.” However, the last time that oil and gas prices jumped, consumers raced to energy efficiency and gas guzzlers were left in the dust. Toyota’s Prius – the 1st major hybrid in the U.S. – was named Car of the Year in 2004. By 2009, GM and Chrysler were bankrupt, and Ford only narrowly averted the same outcome. All auto manufacturers struggle in recessions. However, the preference for EVs remains strong, which gives Tesla a slight edge. Having said that, Tesla is one of the most expensive stocks on Wall Street. Should a company with only $7 billion in net profit, that is losing revenue year over year, be valued at $1.5 trillion? Crypto Bitcoin is down by almost half from its Oct. 26, 2025, high of $126,280 (-46.4%). Crypto lovers have been hoping that The Clarity Act bill would help their struggling positions to recover. However, aggressive lobbying by banks and current war have this legislation stalled out. When I named Bitcoin as the Investment of the Year in March of 2024, I also noted that if historical trends proved true, the high would be in 2025, followed by a Crypto Winter in 2026. (This prediction has proven to be prescient.) Crypto tends to plummet in recessions. In 2022, the S&P500 dropped -19.44%. Bitcoin lost -67%. For all these reasons, we encourage using crypto as a hot slice in our pie chart system, which prompts us to capture gains at the high and buy at the low.  HODL cryptophiles are preyed upon by Wall Street whales who use the capture gains strategy. Why not profit from the rules of the rich? Gold/Silver Gold and silver can be drug down in a Wall Street rout, especially in the early stages. There will come a time when the stock losses are too severe, and investors flee to safe havens. At that point, a decoupling occurs and precious metals’ investors are rewarded. In the most recent downturn (2022), silver and gold held strong. Silver was one of our super performers in 2025, tripling in value! What’s Your Best Strategy? Our best strategy in hard times is to make sure that we have an age-appropriate, properly diversified wealth plan in place, and to ensure that we know what is safe in a Debt World. Our time-proven 21st Century pie chart system earned gains in the Dot Com and Great Recession and has outperformed the bull markets in between. People in our community were emailing me with gratitude during the pandemic, knowing that their wealth was protected from the -35% drop in stocks that happened before the first COVID-19 lockdown (in California on March 19, 2025). Remember: when we wait for the headlines before taking action, we’ll always be late. Stocks are still very close to their all-time highs. A prolonged war, which means high oil prices, puts a recession on the table. It’s better to be early and prepared, rather than a day late and a dollar short. Now is the time to know exactly what we own and why, rather than having blind faith that:
 Chart by MSN.com. (c) Microsoft. Used with permission. Bottom Line It’s not too late to protect our wealth. I’m seeing a lot of headlines encouraging everyone to Buy & Hope. However, 21st Century recessions have been severe and long lasting, as you can see in the charts below. If you wait for the headline that we’re in a recession, you’ll be closer to the bottom. Selling then would be locking in losses and financial chaos or personal hardship. It’s always important to capture our gains, maintain our credit score and keep our wealth intact, and to have a time-proven wealth plan in place to achieve that goal. Wisdom is the cure. "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
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 with friends and family to receive the best price. (Ask for access to a recording of our Real Estate, Bond or Rebalancing masterclass as our gift to you.) 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 with friends and family 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 The ABCs of Money for College 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 and watch videoconferences and webinars on Youtube. Other Blogs of Interest 15 Rules of the Rich. The Venus Fly Trap of High-Yield and Private Credit Funds. AI Says There is a 70% Chance of a Correction in 2026. Learn why. Investors Sell Magnificent 7 for Chevron and Caterpillar. (Is this a good idea?) 6 Rules to Earn Tens of Thousands with Low Risk. 2026 Investor IQ Test. Answers to the 2026 Investor IQ Test. Finding Harmony: A King's Vision. Half a Century of Sustainability Leadership. Silver and Gold's Very Bad Day. Why are Mortgage Rates so High? 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? 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 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. 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.  Natalie Pace, H.M. Queen Diambi, Terri Quenzer and Gayle Gladstone at Watergate Bay Inn, Newquay, Cornwall, England. (left to right). March 2025. 15 Wealth Rules of the Rich. Worried? Hopeful? Skeptical? Complacent? Confident? Don’t boast, guess or worry about your future and financial plan. Instead, employ the time-proven tricks of the rich. There are solutions to housing, budgeting, debt and investing challenges. Having blind faith that somebody else is protecting our wealth and future or trusting that our “pre-tax” retirement or insurance plan are the keys to the kingdom, have proven to be a fool’s journey time and again. History is filled with examples of frauds—from Ponzi schemes to corporate collapses—that thrived on the unquestioning trust of investors, demonstrating that outsourcing financial management without oversight is a high-risk endeavor. We must be the boss of our money – the CEO – understanding that all our “financial advisors” (most are salesmen) work for us. Wealth by design with a solid foundation of wisdom will become a launchpad for the life of our dreams. This isn’t difficult. It’s the life math that we all should have received in high school. Once we learn and employ it, our relationship with money, prosperity and abundance transforms immediately and forever. Here’s a List of 15 Wealth Rules of the Rich. 1. Free Money in the 401(k) 2. Health Savings Accounts 3. Max Out Our Contributions to the Roth IRA 4. Save Thousands Annually with the Thrive Budget 5. Avoid Capital Gains Taxes 6. Dependent IRA and College Savings Plans 7. 1-3 Times a Year Rebalancing 8. Earn $10,000+ Annually and Safely on Cash 9. An Age-Appropriate, Properly Diversified Wealth Plan 10. Affordable Housing Solutions 11. Legacy Planning the Right Way 12. Preparing for Retirement 13. No Fancy Schemes, FUD or HODL 14. Embrace the Wisdom of Past Mistakes 15. The Rule of 72 A lot goes into building a financial house, just as a great deal of time, wisdom, personalization, best practices, creativity, and love go into building the home we build and live in. However, when all that magic comes together, we then have a solid structure that protects us from economic storms and becomes a sanctuary for our dreams. So, construct your financial house right using 21st Century, time-proven strategies and the legal strategies that are employed by those who amass and retain wealth over the centuries. Once we move into this well-designed plan, we’ll just need to Spring Clean 1-3 times a year. Here is more information on each point. 1. Free Money in the 401(k) You might have heard about paying yourself first, and you’ve likely been encouraged to put pre-tax dollars into your employer-sponsored retirement plan. If the employer is matching, then you’re also getting bonus money. So, it’s a great idea to contribute up to the employer match. However, the downside of 401(k)s and RSPs are that they have limited choices, the money is taxed when you start withdrawing and you might be paying through the nose for health insurance. In other words, while 10% of our income should be contributed to our future (pay yourself 1st!), not all of it should go in the employer-sponsored plan. 2. Health Savings Accounts Health insurance is one of the biggest costs in our budget, with many Americans spending thousands or even tens of thousands annually on premiums. Health Savings Accounts offer many benefits, including savings of thousands annually on the cost of health insurance, an annual tax deduction, tax-free capital gains, tax-free withdrawals for qualified medical expenses, and the ability to have the best long-term healthcare plan for our retirement. Learn more in my HSA blog, and in The ABCs of Money, 6th edition. What will you do with the thousands you save every year? 3. Max Out Our Contributions to the Roth IRA It’s important to max out your contribution to your Roth IRA every year, starting as soon as you can (with your 1st job, even as a teen). Here is where you want to invest in hot industries to add performance to your wealth plan. The hot slices in our sample pie charts (which we update at each Financial Freedom Retreat) are far outperforming the S&P500. In 2025, the silver fund tripled, the Peru fund doubled, clean energy posted gains of 55% and the Magnificent 7 were responsible for most of the gains on Wall Street (but performed far under the other three hots mentioned). Peter Thiel reportedly has $5 billion in his Roth IRA. He didn’t pay any capital gains on the stock in the startups that he invested in the Roth, including Paypal and Facebook, and he will not have to pay income tax when he withdraws (unless the laws change). 4. Save Thousands Annually with the Thrive Budget Housing is unaffordable. We’ve heard about the K-Shaped (or E-Shaped) economy. Cutting out café lattes and avocado toast won’t do the trick, though we can save thousands if we get a handle on our GrubHub and Starbucks addictions. We must get creative about the big-ticket items and stop making billionaires rich at our own expense. If your rent or mortgage is $1,500/month, that’s $18,000/year. If your medical insurance is $500/month, that’s another $6,000. Most people spend $12,000 or more on their single-occupancy vehicle. Utilities (electricity, water, gas, Internet, sewer and trash) can be another $6,000 or more. That’s a total of more than $42,000 – not including food. Here is where the magic lies. What if we could cut that in half with more informed big-ticket choices, and have over $20,000 in our budget to spend on things we like more than the gasoline station? The goal of every corporation in America is to sell us something that we have to use every single day. Or at least weekly. Gasoline. Toilet paper. More storage on our phones. Life insurance. Subscriptions are leeches that are attached to our budget. Some suck away our money slowly and steadily, while others are big drains. It’s time to stop making billionaires rich at our own expense. The more money that we can keep from flying out the window, the more wealth we will have for a richer life with our family. This is important at every stage of our life, including:
There are Debt, Real Estate, and Thrive Budget sections in The ABCs of Money, 6th edition. You can also learn more in my Mortgage Rates blog. 5. Avoid Capital Gains Taxes A lot of retail investors and even millionaires with managed plans buy and sell in a standard brokerage account. Invest in a tax-protected retirement account, and you’ll be spared the capital gains taxes. This is yet another reason why it is important to max out our Roth IRA and Health Savings Account and contribute up to the match in our employer-sponsored retirement plan. That way a decision to capture gains can be based upon staying diversified and assessing the opportunity, not hanging on so you don’t have to pay taxes for selling. With the SEC approving Bitcoin and Ethereum ETFs, we can even protect our Bitcoin and Ethereum profit-taking from taxes. Each account we have plays a different role. All of them together add up to our liquid assets pie chart. 6. Dependent IRA and College Savings Plans We can start contributing to a college savings plan when our child is born. A dependent Roth IRA can be set up once our teen is working. If the college plan turns out to be a trade or you don’t need to use all the funds, then up to $35,000 of the college fund can be rolled over into a dependent Roth IRA. Be aware of the IRS.gov rules and be sure to dot all the Is and cross all the Ts. To play it safe, consider the benefits of contributing to the dependent IRA once your teen is working. The Roth IRA can be used for college expenses or as a down payment on a house without a penalty (subject to limits). There is a lot more flexibility in this plan. Learn more in the 2nd edition of The ABCs of Money for College. Parents should read this book when their kids are born. There are also strategies for working adults who wonder if they should get an advanced degree, and for students who would be better served with a trade than with a university diploma. 7. 1-3 Times a Year Rebalancing As we get closer to retirement, we can’t afford to have all our wealth riding on the Wall Street rollercoaster. To maintain an age-appropriate, properly diversified wealth plan, it is important to rebalance 1-3 times a year. This is also a “capture gains” strategy. With our pie chart system, we are prompted to do what we should be doing (capturing gains at the high and buying more low). This plan also takes the emotions out of it. You can personalize your own sample pie chart using our free web app. Email [email protected] for the links. We devote one full day at the Financial Freedom Retreat educating you on what an age-appropriate, diversified and hot plan looks like and why rebalancing 1-3 times a year is essential. 8. Earn $10,000+ Annually and Safely on Cash 3.5% interest on $1,000,000 is $35,000 a year. $500,000 can earn an extra $17,500 annually, while even $100,000 can earn $3,500. So, it’s very important to make sure that our cash is working for us safely, without paper losses. Learn more in my 6 Rules to Earn Thousands Without Paper Losses blog. We spend one full day on What’s Safe at our Financial Freedom Retreat. 9. An Age-Appropriate, Properly Diversified Wealth Plan What is an age-appropriate, properly diversified wealth plan? Learn more in my Investor IQ and Rebalancing IQ tests and the meme below. The 10 Rules of Investing are the foundation of our time-proven, 21st Century wealth plan, which protects wealth in recessions and outperforms the bull markets in between.  10. Affordable Housing Solutions There is an entire section on Real Estate in The ABCs of Money, 6th edition. The book includes a 10-point checklist for homebuyers. The Thrive Budget also offers creative solutions for unaffordable housing. For some, the solution is hiding in plain sight. Check out my Aging Mom Doesn’t Want to Discuss Her Dilapidated House blog for details. I typically host a Real Estate masterclass each year. If you’d like access to the most recent class recording, request that with your registration of our Financial Freedom Retreat. Email [email protected] for additional information and to register. 11. Legacy Planning the Right Way It’s understandable in a democracy like America that parents just will an estate to the kids and let the kids sort everything out. However, is that the best strategy? Is there a beneficiary who would benefit best from owning the family home, while another, perhaps a homeowner in another city, might appreciate inheriting the IRA? Should an income-producing asset be put in an LLC? Which relative would be the most responsible managing member? Who should have decision-making authority? Additionally, do we really have to wait until we pass away to give our kids something? Or would we all be better served by willing the estate slowly and steadily, so that all generations benefit from the wealth, while also learning how to be better stewards of the assets. Families that keep wealth for centuries teach their kids about passive income, community, wealth and investing starting from a very young age. Families that don’t do this typically lose the wealth within a few generations. It’s not just a matter of putting things in a trust or inheriting a million dollars from an insurance policy. Most people who land a windfall lose it in just a few years. A training and wealth transfer plan now that educates and supports the next generation will ensure that the wealth we have worked so hard to create doesn’t get blown in a few years, as can easily happen with uneducated trust fund babies who have no guidance or oversight. 12. Preparing for Retirement When you ask your financial advisor or AI about retirement planning, you might be given a series of questions and then offered a lot of fancy charts telling you about various investment strategies. The simple truth about retirement is that you’ll have less income and will need to find ways to have the same lifestyle with less money and more medical expenses. While amassing wealth through passive income is essential (I’ve outlined many of the wealth hacks above and in our Financial Freedom Retreat), so is understanding how to stop making billionaires rich. We’ve also discussed many of ways to save on the big-ticket bills above. For instance, if you set up an HSA at your 1st job, max it out every year and then start investing in it, you should have enough money for the biggest expense in retirement – health care costs, which could be $172,500/person or more. Health costs are the biggest reason for bankruptcy in retirement. If you have more than you need, after the age of 65, the HSA acts like a retirement account and can be willed to another family member. Getting an HSA with our 1st job could also save us thousands annually, which means we might own our home free and clear by the time we retire – if we’ve used the medical insurance savings to build equity. If our mortgage is paid off, then we’ve dramatically lowered our housing costs – worth tens of thousands of dollars each year. At the Financial Freedom Retreat and in my private coaching, we talk about getting rid of as many bills as possible before retirement, offering many solutions that are rarely a part of the retirement conversation. There are many ways to spend less without a change in lifestyle, if we’re mindful and creative. As one example, recently a couple who is close to retirement had to redo all the plumbing in their 50-year-old home. Since they have a pool, it could make sense for them to consider gray water plumbing, where their shower and sink water can be filtered and disinfected and used to fill up their pool and jacuzzi. Grey water might also be used to water the plants. (Check with your local authorities on the rules.) This would dramatically lower their water bill. I’ll be offering a Preparing for Retirement (with your 1st job or playing catch-up if you’re close) masterclass on June 13, 2026. Email [email protected] for pricing and information. 13. No Fancy Schemes, FUD or HODL Sure-shot investing strategies, email investing campaigns, hot tips, FUD and HODL have a lot in common. They are some of the easiest ways that we are taken in. Whales are always the ones to buy low and sell high. Why don’t more retail investors adopt this well-worn Wall Street maxim? Buying low and selling high is the opposite of what our emotions tell us to do. Also, most people don’t buy low because they can’t. They lose too much in corrections and recessions and have no liquidity, combined with a lousy credit score. Adopting an age-appropriate, properly diversified plan might sound blasé. However, it’s quite fun when your silver triples, your Peru fund doubles and your clean energy fund takes in 55% gains (double the Magnificent 7). Learn the Top Investing Mistakes in my book, Put Your Money Where Your Heart Is, 2nd edition. 14. Embrace the Wisdom of Past Mistakes Thinking about the past is useful if we use the wisdom to inform better choices. However, we don’t want to wallow in or rue our mistakes. No one bats a thousand. Whether you lost on cannabis or plant-based protein, got caught upside down on your mortgage during the Great Recession or have taken on too much credit card debt, let those lessons be the spark that lights the fire of desire to employ systems that work. Those solutions are rarely found in the mainstream. If you chase headlines, you’ll always be late. There are also conflicts of interest, commissions, outright fraud and scams, and recessions to navigate in the never-ending financial noise. Don’t drown in regret, swim in the sea of complacency, crow about performance, reach for yield or pray for a Hail Mary. High-performing Wall Street whales have a saying, “Stick to your knitting.” Once you find a time-proven, 21st Century plan that works in bull and bear markets (like ours does), just stick to it. Other Wall Street aphorisms? Never confuse a bull market with wisdom. Bulls make money. Bears make money. Pigs get slaughtered. 15. The Rule of 72 You will double your money in 7.2 years if you are achieving a 10% annualized return. The S&P 500 has scored 23.01% annualized over the past three years meaning that you would’ve cut that time in half, doubling your money in 3.3 years. If you weren’t invested in large cap growth and had a lot of bonds, your annualized return could have been under 6% or less (12 years to double your money). Many annuities offer a rate at 2% or less (36 years). The formula is 72 / (annualized rate of return).  This is why it is VERY important to know exactly what you own and why, how much you are paying in fees and what the rate of return is. Some people, especially conservative investors, are paying $5,000-$15,000 per million per year to their financial advisor and losing money at a time when the S&P500 was on fire. In 2022, long-term government bonds lost more than stocks. Paper losses are far more problematic than investors are being told.  Below are a few more prosperity and abundance tools we teach at our Financial Freedom Retreat. * What’s Hot and how to invest in industries and companies with interstellar upside safely * How to avoid capital gains taxes on crypto, AI and other hot industries that are shooting the moon * Easy-as-a-Pie-Chart Nest Egg Strategies that earned gains in the Dot Com and Great Recessions and outperformed the bull markets in between * The life math that we all should have received in high school and college * Safe, income-producing assets. Bonds are tricky, but, done right, can be beneficial. There are many other areas of opportunity, as well * How to protect your wealth, earn money while you sleep, put your money where your heart is, and profit, while healing the planet * Why ESG investing is false advertising & how your money is being used to promote some of the things that you picket * Why regular rebalancing is essential in the 21st Century, and how the pie chart system is a buy low, sell high financial plan on autopilot * Why Target Retirement Date Funds lag the S&P500, are vulnerable to losing half or more in recessions, and what you can do about it * How a time-proven 21st-Century plan differs from Buy & Hope * How to protect your wealth from stock market volatility and bond market illiquidity * The hottest industries and countries in the world * Life Hacks and how to manage FUD (fear, uncertainty and doubt) * Performance enhancing strategies, including industries that can go up when stocks go down * How to get a higher yield and less risk with country diversification * Why Buy & Hope is a last-century strategy that doesn't work in today's world Call 310-430-2397 or email [email protected] to learn more and to register now. (We're happy to answer any questions you have. There is never any pressure to register.) Bottom Line Have you learned a lot in this lengthy blog that only took 7-10 minutes to read? Imagine what you can learn over the course of three days at our online Financial Freedom Retreat! Call 310-430-2397 or email [email protected] now to learn more and register. Why not adopt the wealth strategies that patricians use to keep their assets in the family for centuries? It’s not more time-consuming or difficult. It simply requires learning the life math that we all should have received in high school, while adopting a well-designed, time-proven plan instead of following the rote leech-filled, bill-paying life that is carved out for us by billionaires who profit from our complacency and naivete. 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 Feb. 28, 2025 to receive the best price. (Ask for access to a recording of our Bond or Rebalancing masterclass as our gift to you, when you register by Valentine's Day.) 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 with friends and family 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.  Photo of Natalie Pace by Brian McLernon. 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 The ABCs of Money for College 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 and watch videoconferences and webinars on Youtube. Other Blogs of Interest The Venus Fly Trap of High-Yield and Private Credit Funds. AI Says There is a 70% Chance of a Correction in 2026. Learn why. Investors Sell Magnificent 7 for Chevron and Caterpillar. (Is this a good idea?) 6 Rules to Earn Tens of Thousands with Low Risk. 2026 Investor IQ Test. Answers to the 2026 Investor IQ Test. Finding Harmony: A King's Vision. Half a Century of Sustainability Leadership. Silver and Gold's Very Bad Day. Why are Mortgage Rates so High? 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? 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 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. 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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