Natalie Pace Blogs
Photo of Natalie Pace by Marie Commiskey. Avalon Photography.
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 Lessons from the Spirit Airlines Liquidation. Is JetBlue Next? How Safe Are Your Air Miles? Your Funds? Your Bonds? A jump in jet fuel prices is grounding an industry that suffers perennially from low credit ratings and low profit margins. Will JetBlue be the next airline to fall?  I included Boeing in the above chart because it is one of just 30 Dow Jones Industrial Average components and, like the airlines, has a lot of debt and leverage and a low credit rating. High leverage is a systemic risk for shareholders and bondholders of airlines, as you can surmise from the low credit ratings. On June 8, 2026, S&P Global downgraded JetBlue from B- to CCC+, citing “elevated fuel costs and sustained high leverage.” Spirit Airlines declared Chapter 11 bankruptcy twice, in 2024 and 2025, before ceasing operations on May 2, 2026. (Email [email protected] if you’d like an updated Airline Stock Report Card.) With the exception of Alaska and Southwest, all the other airlines listed above have used the U.S. bankruptcy process and restructuring laws, while continuing to operate. Many airlines reported net losses this year, including American, Alaska and JetBlue airlines. This puts pressure on already low credit ratings, as we saw last month with JetBlue. Credit downgrades spook both bond and stock investors. An investor race to the exit causes losses in the fair value of stocks and bonds, while severely reducing the market value of the company. Yes, if you hold the bond to term, and the company doesn’t declare bankruptcy before the repayment, you should be repaid in full. However, the credit downgrade means there is a question about whether the company is going to be able to meet its obligations. In the case of Spirit Airlines, the company went out of business. More often, however, airlines continue operating while they restructure their debt. That doesn’t mean that our stocks and bonds are safe. I’ll discuss the impact Chapter 11 and liquidation have on shareholders, bondholders and loyal customers in this blog. Here are the topics I’ll cover. Will JetBlue Restructure or Liquidate? What Happens When Airlines Declare Bankruptcy, But Continue Operating? What Happens When Airlines Go Out of Business? Do Bond Funds Loan Your Money to Speculative Grade Airlines? How Can We Ensure That We Do Not Own Stock in Airlines? And here is more information on each point. Will JetBlue Restructure or Liquidate? A CCC+ credit rating means the borrower is vulnerable to nonpayment and is dependent upon more favorable conditions. JetBlue posted a net loss of -$319 million in the 1st quarter and -$247 million in the 2nd quarter. Bloomberg reported that JetBlue is hosting a private meeting by invitation only in August for holders of its 9.875% secured notes that are due in 2031. These bonds have seen their current value plummet to 84 cents on the dollar. JetBlue has lost -61% in its share price over the past five years. If the war rages on and jet fuel costs remain high, that’s a problem for all airlines, but more so for the smaller ones, like JetBlue, which is worth just $2.13 billion. JetBlue had $1.656 billion in cash at the end of June 2026, with an additional $512 million in investment securities, and $250 million available for borrowing. The company’s total debt is $8.478 billion, with $755 million maturing in 2026. As part of its commitment to the company’s turnaround, JetBlue will pass through as much of the higher fuel costs onto customers as it can. According to JetBlue CEO Joanna Geraghty in the 2Q 2026 earnings call, “We achieved nearly 50% fuel recapture in the 2nd quarter… Assuming demand strength persists, we continue to expect to achieve 100% fuel recapture by early 2027.” The C-Suite is focusing on the path forward and “expects to return to sustained operating profitability in 2027.” However, JetBlue CFO Ursula Hurley ended her comments in the 1Q 2026 earnings call, saying, “To wrap up, the environment we are operating in is challenging and volatile.” The war isn’t over yet. What Happens When Airlines Declare Bankruptcy, But Continue Operating? Price shocks like the War in Iran or a pandemic can break the leverage game most airlines play. As I mentioned, sadly, airlines must restructure their debt rather routinely – particularly in recessions. Most continue operating. Margins are always tight. High oil/gas/jet fuel prices are highly correlated with recessions – though a contraction is not currently forecasted. (Economists are lousy at predicting recessions; policymakers rarely admit we’re in an economic pullback until at least half a year in.) The “on again, off again” War in Iran elevates the risk and lowers the risk appetite of investors. When a company goes through a Chapter 11 debt restructuring, stockholders typically have their shares wiped out. The bondholders will lose part of their principal investment, forfeit their expected yield, and sometimes will be forced to take equity in the new stock rather than a cash payout of their principal. The airline mileage program is an asset, so most airlines will try to keep this customer loyalty program intact. There are risks, however. What Happens When Airlines Go Out of Business? As we saw with Spirit Airlines in May 2026 and WOW Air (March 2019), when a company ceases operations, travelers are left stranded. Travel savvy individuals often use the chargeback function on their credit card to get a refund for unused tickets rather than wait for frozen airline refunds to be distributed through a lengthy legal process, where their claim might be behind employees and secured bondholders. (When a service is not received and the chargeback is filed in a timely manner, the credit card companies are typically cooperative and swift.) In a liquidation, the mileage program is typically wiped out completely because it is an unsecured claim. Again, if it’s a Chapter 11 restructuring and the company will continue operating, the miles should remain intact, although we might not be able to use them while the restructuring takes place. Do Bond Funds Loan Your Money to Speculative Grade Airlines? Investment grade bond funds limit their exposure to junk bonds – typically to 5-10% or less. We need to read the prospectus to know how much is allowed. However, to boost returns, many bond funds will include a lot of debt that is BBB – the lowest rung of investment grade. Some include a high percentage of agency mortgage-backed securities and treasuries. We’ve seen some trouble in the long-term treasury bond/note market of late. Fannie Mae and Freddie Mac, those government-sponsored agencies that are backing the MBS market, had to be rescued in 2008. Common and preferred shareholders were wiped out. Many bond funds have lost money over the past few years. FYI: About half of U.S. based debt (outstanding bonds) have a credit rating at the lowest rung of investment grade. For this reason, our sample pie charts do not include bond funds. In fact, we prefer an elite group of corporate bonds for the safe allocation of our wealth plan. We also observe other key fixed income rules. (Click on the blue-highlighted words to learn more.) Our sample “safe” suggestions have been earning a market yield without paper losses since our business started in 1999. Earning income without losing principal is tricky in today’s Debt World. It’s not difficult – just tricky. If you’d like to learn our strategies, join us for our upcoming Bonds & Fixed Income Masterclass. Register by July 31, 2026, to receive the best price. Prerequisite: The Financial Freedom Retreat. How Can We Ensure That We Do Not Own Stock in Airlines? If we want to limit our exposure to airlines, we must be picky about our dividend and value funds. These stocks rarely show up in our growth funds. In our sample pie charts, we are currently using select country replacements instead of U.S. based value and dividend funds, as the debt and leverage in many U.S. companies, including airlines, are elevated, while many prices are still very expensive. In the iShares Australia ETF, we are receiving higher credit quality and a higher yield than the comparable U.S.-based dividend fund. The iShares Peru ETF is up 149% over the last three years, while also earning a 2% yield. Some airlines will be included in a broad-based fund, but it would only be a very small percentage. However, broad market funds do not meet our diversification criteria. We prefer separating our growth, value, size and hots in order to see and capture gains when we do our 1-3 times a year rebalancing. Rebalancing and keeping your money are very important rules of investing, particularly in today’s volatile world. (The S&P500 dropped -19.44% in 2022, while long-term government bonds lost -26%.) When we lump everything together into a fund that holds everything and the kitchen sink, it’s impossible to underweight the losers, lean into performance and ensure that our safe allotment (equal to our age) is earning income without losses (paper or otherwise). Learn more in my Hot Countries blog, at our Financial Freedom Retreat and in my private coaching. Email [email protected] or call 310-430-2397 to learn the life math that we all should have received in high school and start being the boss of your money now. Bottom Line Larger, legacy airlines are more likely to go through a Chapter 11 bankruptcy, which might keep our airline miles intact, while smaller airlines might be at risk of ceasing operations, where the miles get wiped out. Beyond our mileage plan, it’s a very good idea to limit our investment exposure to these risky assets. That means that we want to know what we own and ensure that we have a safe, protected, hot and diversified wealth plan, rather than relying on target-date retirement funds (typically exposed to bond and value funds, while some are even losing money), broad-based index funds, annuities, or having blind faith that someone else is protecting our wealth and future for us. You can learn and implement our time-proven strategies at our Financial Freedom Retreat. You can receive a complete analysis and unbiased 2nd opinion of your current plan through my private coaching. You can read about these strategies in my bestselling books. Email [email protected] or call 310-430-2397 to learn more now. ### 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? Clean energy scored 44%... Why not treat yourself to the gift of financial freedom and a green wealth plan? Register now to join us at our online Financial Freedom Retreat Oct. 10-12 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 July 31 to receive the best price. (Ask for access to a recording of our Wealth Secrets of the 1% or our Real Estate 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 4-11, 2027. (With just three rooms still available, this exclusive, private, bucket-list is almost sold out!) 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 Nvidia, artificial intelligence, and chips, * 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.  Email [email protected] for pricing, additional information and to register. Register by July 31, 2026 to receive the best price.  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 two 12-month all-access passes to our online training and four private, prosperity coaching sessions. There are only 3 rooms available. 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. Yes, it's a great idea to register and start transforming our lives now with the online ABCs of money courses.  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 Superstars of 2026. A Mid-Year Update. What Happened to AI & The Magnificent 7? Plastic Free July. The Recycling Lie. The Higher the Dividend, the Higher the Risk. Wall Street has a Serious Gambling Problem. Margin Trading Hits an All-Time High. Spring Equinox & Father's Day Sweepstakes Warren Buffett Investing Tips and that Deepfake Video. The SpaceX IPO. Are You Buying High? Capture Gains at an All-Time High. Rebalance. Whirlpool Suspends Dividend. Share Price Sinks. Why I Prefer Select Corporate Bonds to Treasuries. When Superstars Burn Out. Should You Just Own an S&P 500 Fund? Gold, Silver and Crypto. Are the Safe Havens Sinking? 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. Are We Headed for Another Crypto Winter? Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. 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? 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? 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. 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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 Which Sectors are the Superstars of 2026? The Midyear Market Reality Check. Why have silver and crypto dropped so much? Should we capture gains at an all-time high? Below are the things I’ll cover in this blog. Watch or listen to my Mid-Year Report on Youtube and Substack.
1. Market Surprises and the Hard Truth About the Magnificent Seven The biggest surprise of the year is the massive breakout performance of clean energy, which was up almost 20% in 2026 (as of July 2), compared to gains of 9.1% in the S&P500. While traditional oil headlines dominated popular news, clean energy quietly secured the top performing spot. This structural shift is driven primarily by artificial intelligence and massive data center expansions. Data infrastructure consumes an immense amount of electricity. Tech giants with strict net-zero emissions mandates are scrambling to satisfy these soaring energy needs through renewable power infrastructure. Consequently, clean energy has evolved into a premier institutional growth engine.  Conversely, most of the highly celebrated "Magnificent Seven" tech stocks have severely lagged behind broader market benchmarks. Five out of these seven tech giants underperformed or declined significantly. Mega-caps like Meta, Microsoft, and Tesla dropped in value, while Nvidia posted gains of 4.5% – half that of the S&P500. The primary issue is not the fundamental viability of these companies, but their bloated valuations. Driven by aggressive margin trading and institutional leverage, these stocks became notably expensive. When macroeconomic conditions signal a growth cooling phase, hyper-leveraged assets pull back first. The plunge can be steep and swift. Tesla’s challenges are different from Nvidia. While Nvidia is enjoying year over year revenue growth of 85% and profit margins 71.5%, Tesla’s net profit compressed from $15 billion down to under $5 billion within a two-year window due to aggressive electric vehicle price wars. The Tesla Model Y remains the top-selling electric vehicle in the world. However, China’s BYD is the world’s largest overall EV manufacturer by volume. With many Chinese EV competitors selling at a lower price than Tesla without sacrificing quality, Tesla has been forced to cut their prices. 2. The Golden Rules of 401Ks, IRAs and Investing While Buy & Hope is still largely touted by the mainstream media, riding the Wall Street roller coaster is far too perilous for this last-century strategy to be effective. The best defense against recessions and corrections is to have an age-appropriate, properly diversified wealth plan in place, and to capture gains 1-3 times a year to ensure you keep your wealth intact. Equally important to a properly diversified plan are to have exposure to growth (the Magnificent 7) and value (without the paper losses) and hot industries. We need a self-directed 401K and/or personal retirement accounts (IRAs) to give us more options. Rebalancing helps to keep us on the right side of the trade. Rebalancing also serves as a built-in "buy low, sell high" system operating completely on autopilot. When an aggressive asset slice surges and over-allocates your portfolio, the pie chart screams at us to capture gains. For instance, if a high-performing commodity choice triples or quadruples in value, we are prompted to sell high, to lock in profits while maintaining our core foundational slice (if we still believe the commodity will remain hot in the future). If that asset subsequently drops, we have successfully locked in our gains and can then selectively reinvest at deeply discounted prices. (Most people don’t buy low because they can’t; they’ve lost too much money.) Portfolios should be rebalanced 1-3 times per year. How long has it been since you rebalanced your wealth plan? Optimal rebalancing times include directly after a winter Santa rally or following a major spring market expansion. Managing our asset allocations systematically prevents the catastrophic compounding losses that typically plague unmanaged portfolios during deeper economic recessions. 3. Decoding Crypto Cycles, Commodities, and Illiquid Traps Precious metals and digital assets require a highly tactical approach. Bitcoin remains heavily correlated to its four-year halving cycle. Historically, the asset surges to all-time highs in the year directly following a halving event. However, the second-year post-halving typically initiates a prolonged "crypto winter" phase that can depress prices by 50-70% for 18 to 24 months. This structural cycle suggests digital assets may face near-term weakness over the next 12 months before entering their next major recovery phase. The problem with waiting it out – with hoping to make up losses – is that if we’ve bet the farm, most of us cannot endure having our net worth drop by 70%. (A million dollars becomes just $300,000.) Our FICO score drops. We might have trouble paying our bills. If we have debt, we’ll get eaten alive by compounding interest and incessant calls from the debt collector. We might have put our home at risk. Hard assets like gold and silver are also volatile by nature. After the 2011 highs of gold and silver, precious metal prices dropped by up to -40% (-70% for silver) and stayed in that range until the pandemic. The precious metals bear market after the highs of 1980 lasted a quarter of a century. While we might see or hear that gold never loses its value, that’s simply not factual. It’s a false claim made by a business that wants to sell us gold or silver, often at or near an all-time high. During the bear markets for precious metals, these claims are not widely circulated. Additionally, precious metals do not yield regular cash flow. If interest rates march higher, capital often shifts away from metals toward yield-bearing bonds. Other popular ads encourage us to jump into high-yield savings accounts or investments. Aggressive email and social media marketing campaigns frequently use scare tactics or deepfake celebrity endorsements to pitch highly volatile products that are sold as “safe.” Investors must exercise extreme caution regarding high-yield alternative investment vehicles and even some high-yield savings accounts. Private credit funds and alternative real estate trusts frequently mask deep structural flaws. Many of these funds hide junk bonds inside their portfolios and are highly illiquid. When market stress appears, these private entities routinely implement withdrawal "gates," legally preventing you from accessing your principal cash. Some funds restrict withdrawals to just 10% of total investors. Additionally, private equity oil and gas LLCs bait retail investors with 9% to 13% interest promises. In reality, many are unlisted stocks managed by unproven operators, where high commissions are paid to salesmen who are not fully disclosing all of the risks or encouraging investors to read the fine print. 4. Navigating Passive Income Safely Generating sustainable passive income requires understanding that higher advertised dividend yields are highly correlated with higher underlying risk of losing principal on your investment or a default by the company. Reaching blindly for yield is a fatal portfolio mistake. As Will Rogers once said, “I’m more concerned with the return of my money than the return on my money.” When evaluating dividend-paying corporate equities, focus on value replacement structures rather than distressed companies trying to lure investors with so-called high-yield payouts that might be offering less income than other highly rated countries. For example, over half of the S&P500 is at or near junk bond status, including a lot of U.S. banks. Diversifying internationally into higher-performing value funds, such as specialized indexes in Peru and other countries, can deliver stronger dividend payouts alongside excellent underlying capital growth. The Peru ETF in our sample investing pie chart was a superstar of 2025 and this year as well, earning gains of 82.7% and 16%, respectively, while offering a higher yield than the comparable U.S. based ETF. For the bond/safe side of our portfolio, many bonds are illiquid and losing value. Bonds lost more than stocks in 2022, -26%, and haven't recovered. I'm hosting a Bonds and Income Without Paper Losses Masterclass on Oct. 17, 2026, the Saturday after my next Financial Freedom Retreat. Email [email protected] to learn more and register now. Prerequisite: Financial Freedom Retreat. 5. Individual Stocks & Your Vegas Money For the speculative portion of our portfolio—which I like to refer to as "Vegas money"—emerging disruptive technologies offer fascinating entry points, if managed carefully. The electric air taxi industry is positioned to disrupt urban aviation corridors that were previously monopolized by gas-guzzling helicopters. Key innovators like Joby Aviation and Archer Aviation are progressing rapidly through the final phases of Federal Aviation Administration (FAA) certification for vertical takeoff aircraft (EVTol). Archer has secured positioning as the official air taxi infrastructure partner for major regional events, while Joby has successfully validated rapid test flights in dense metro hubs. At the same time, individual stocks can be volatile and subject to macro economic trends. The pie chart method I discuss above and teach at my Financial Freedom Retreats uses ETFs to minimize risk, which make it easy to see and capture gains in a systematic way. Individual stocks require:
That’s a lot more work than many of us are willing or qualified to do. So, if we do choose to compete with Wall Street pros on something we think is hot, it’s best to gamble with money we’re willing to lose, rather than betting our nest egg. Bottom Line Navigating modern financial markets requires moving past media hype and online marketing “opportunities.” Marketing professionals frequently tap into our emotions to sell snake oil. (The celebrity Kim Kardashian was fined $1.26 million on Oct. 3, 2022, by the SEC for touting a crypto scam.) High-flying tech sectors can experience steep valuation corrections, while overlooked sectors quietly break out. Relying entirely on yesterday's winners exposes our wealth to unnecessary downside risk. True financial freedom is built on timeless, systematic strategies rather than speculative guesswork. Fortunately, our team has made these systems as easy as a pie chart. The ultimate key to enduring financial prosperity is ensuring our wealth plan remains safe, hot, and diversified. By executing disciplined portfolio rebalancing 1-3 times a year and self-directing our investments inside tax-advantaged accounts, such as Roth IRAs, we are employing the wealth strategies of the 1% – eliminating capital gains liabilities and bypassing the emotional pitfalls of market volatility. True financial freedom can be achieved with our time-proven 21st Century investing and budgeting strategies. I encourage you to join us at our next Financial Freedom Retreat to learn the life math that we all should have received in high school. If you're a busy professional and you'd prefer an unbiased 2nd opinion, I offer that in my private coaching. Email [email protected] to learn more. ### 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? Clean energy scored 44%... Why not treat yourself to the gift of financial freedom and a green wealth plan? Register now to join us at our online Financial Freedom Retreat Oct. 10-12 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 July 31 to receive the best price. (Ask for access to a recording of our Wealth Secrets of the 1% or our Real Estate 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 4-11, 2027. (With just three rooms still available, this exclusive, private, bucket-list is almost sold out!) 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 Nvidia, artificial intelligence, and chips, * 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.  Email [email protected] for pricing, additional information and to register. Register by July 31, 2026 to receive the best price.  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 two 12-month all-access passes to our online training and four private, prosperity coaching sessions. There are only 3 rooms available. 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. Yes, it's a great idea to register and start transforming our lives now with the online ABCs of money courses.  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 Plastic Free July. The Recycling Lie. The Higher the Dividend, the Higher the Risk. Wall Street has a Serious Gambling Problem. Margin Trading Hits an All-Time High. Spring Equinox & Father's Day Sweepstakes Warren Buffett Investing Tips and that Deepfake Video. The SpaceX IPO. Are You Buying High? Capture Gains at an All-Time High. Rebalance. Whirlpool Suspends Dividend. Share Price Sinks. Why I Prefer Select Corporate Bonds to Treasuries. When Superstars Burn Out. Should You Just Own an S&P 500 Fund? Gold, Silver and Crypto. Are the Safe Havens Sinking? 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. Are We Headed for Another Crypto Winter? Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. 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? 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? 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. 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.  Plastic Free July. The Recycling Lie. By Natalie Pace, the co-creator and executive director of EarthGratitude.org. Recycling is a lie. The first time I heard this – from a waste management professional who handled the trash of one of the cities in the Los Angeles area – I didn’t believe it. I was actually angry (internally) at this person for even saying such an absurd thing. It was inconceivable to me that we would be spending all this time sorting our trash, when less than 5% of plastic is being recycled in the U.S. (less than 9% in the world). Surely, she was fabricating this falsehood. It was only after discovering that the chemicals in plastic and polyester (and so many other oil/gas products) are linked to cancer, obesity, cardiovascular disease, autoimmune disfunction, behavioral disorders and infertility that I came to the heart of the matter. It was never a good idea to put petrochemicals all over our bodies, our food, our children’s bums and even in our chewing gum. Once we learn this, we can begin toxifying our lives (also good for the planet). The personal health benefits from getting rid of plastic are so profound and so positive that if we only knew them every single one of us would do it right now. And that leads me to one of my favorite documentaries of 2026 – The Plastic Detox, which, despite the stark title, is actually a tale with a very happy ending. The Plastic Detox follows five couples suffering from infertility. Spoiler alert: three out of five got pregnant within a year, simply by eliminating plastic from their lives. Turns out that sperm regenerates every 90 days. The couples also lost weight. So, the impact of limiting our exposure to petrochemicals can be immediate and profound. If you or anyone you know is interested in weight loss or getting pregnant, this documentary is a great place to start. Since recycling isn’t happening and petrochemicals are poisonous, refusing plastic is key. That is why the 3Rs of Sustainability have been replaced with the 7 Rs: Rethink, Refuse, Reduce, Repurpose, Repair, Reuse & Rot (compost).  Even if plastic could be recycled more than once – plastic degrades, unlike uniform materials such as glass, paper and aluminum, which retain their integrity – petrochemicals are harmful from their birth in an oil or gas well to their never-ending life as micro- and nanoplastics. A great deal of energy is required to drill and frack, with massive amounts of CO2 and methane pollution released, and severe loss of land, trees, habitat and biodiversity. Methane, which is released in fracking, drilling and storage, is 85 times more destructive than CO2. Those living in Cancer Alley have an alarming tale to share about the toxicity and true cost of our petrochemical addiction. When we think of plastic, it’s a good idea to include the many other petrochemical products in our homes, including polyester and the new “eco” bricks made from “recycled” plastic products. Many vegan cosmetic and fashion products that call themselves green/sustainainable also contain petrochemicals. The process of making plastic bricks releases VOCs, POPs and heavy metals and produces off-gassing, chemical leaching and micro- and nanoplastic contamination. The increased CO2 footprint of using recycled bottles to make toy bricks forced LEGO to abandon the idea. * VOC: Volatile organic compound * POP: Persistent organic pollutants Below are 12 actions to consider taking for Plastic Free July. Did I overlook something? Please let me know; email [email protected]. I encourage you to watch my 2-minute video on Instagram.com/NatalieWynnePace, where I demonstrate some of the ways that I’ve eliminated plastic in my own life, including with bar shampoo and conditioner, tooth tablets, purchasing regenerative organic food directly from farmers, and some of the other excellent innovations that are plastic free. Plastic Free July Tips 1. Watch The Plastic Detox and This is Not a Drill documentaries. Click on the blue-highlighted words to access. 2. Buy regenerative, organic, local produce and meat. (Fertilizers are petrochemicals too.) I carry a backpack and reusable containers to the local farmers market and glass jars to the bulk goods store. Learn more about regenerative agriculture in the award-winning documentary Groundswell and in the Earth Gratitude docuseries. Watch the Eco Kids episode at EarthGratitude.org as well. The students of Damers First School in Poundbury, England, lobbied successfully to get their school food delivered without any plastic. Food grown in student gardens can be picked and eaten right from the plant. 3. Check the labels of your clothing. Wear natural fibers. Shelve the polyester. Every time we purchase polyester, we are voting for oil/gas companies. Each wash of polyester fabric leaches micro- and nanoplastics into our soil and water. It’s easy to find organic cotton athletic wear that is competitively priced online. 4. Buy in bulk. Purchase our coffee, nuts, grains, and other dry goods at coops and stores where we can bring our own container. 5. Bar soap, shampoo and conditioner. They are many great brands that are using premium products. Do you have a favorite? 6. Tooth tabs can eliminate the billions of plastic tubes of toothpaste tossed into landfills each year. 18 billion plastic toothpaste tubes are discarded annually – almost a billion in the U.S. alone. 7. We love emotional support metal water bottles and reusable coffee mugs. Did you know that Starbucks and many cafés will give you free refills of coffee or tea, if you are using one of their ceramic mugs or glass cups and enjoying your drink “for here” instead of to go? Slow sipping tastes much better and offers the many benefits of socializing with friends. 8. Natural fiber shoes. Many brands, including Allbirds and Patagonia, go to great lengths to use natural fibers instead of petrochemicals. Meanwhile, CROCs are primarily made from ethylene-vinyl acetate (EVA), which is traditionally sourced from petroleum (crude oil). Most athletic sneakers are made from polyester, nylon and rubber – petrochemical products. Let’s support the brands that are giving us healthier, planet-friendly choices. With the heat wave that is happening, the last thing we need is oil/gas petrochems melting onto our feet. (You might ask your favorite AI platform what happens to traditional synthetic shoes versus natural fiber footwear, particularly when temperatures rise.) 9. Be very wary of greenwashing. Words such as recycled and vegan can mask the true nature of petrochemical products and toxicity. When we think of all the habitat loss and animals killed in the course of drilling and producing fossil fuel products, we aren’t saving the lives of animals by choosing “vegan” options that are made from chemicals extracted from oil and gas. 10. Share this information on social media and with as many friends as you can. The emotional support water bottle transformed us overnight. The success of this initiative offers an excellent example of just how rapidly cultural shifts can occur. Let’s get informed and get rid of plastic now! Please tag @nataliewynnepace and @earth_gratitude so that we can easily like and share what you've eliminated and how it has impacted your life. 11. Get educated with reputable organizations like EARTHDAY.ORG. and Ocean Generation, which provide free resources and curriculum on plastic, sustainability and the environment. There is so much misinformation out there. If we’re just relying upon social media campaigns and email ads for our information, we can be more easily bamboozled. Multi-billion-dollar oil and gas companies, including ExxonMobil, which is the largest virgin plastic producer in the world, spend a great deal of money on campaigns and initiatives. You might have seen an ad about mushrooms that eat plastic. How many microplastic-filled mushrooms do we really want, when the planet is currently suffering from plastic pollution deluge to the magnitude of 400 million tons of plastic each year, with up to half of that already circulating in the ocean? 12. Give up chewing gum. It is made of plastic! Do you really want all those chemicals swilling around in your mouth? Bottom Line Plastic is not cheaper. It may cost us our children their lives if we keep buying into greenwashing and the misinformation. On a personal note, after watching oil spill into the Gulf of Mexico between April 20 and July 15, 2010, I felt disgusted every time I filled up my car with gasoline. I was keenly aware that the oil companies were drilling in the Gulf of Mexico to put gas in my tank. My hands had oil all over them. I am now proud to say that I don’t own a car. My primary modes of transportation are biking, walking, e-scooters, public transportation and trains. It didn’t happen overnight because car culture runs deep, especially in California. However, I now enjoy thousands of dollars in annual savings and greater health from exercising more. The average person spends $12,000 annually or more on each car, considering the car loan, insurance, gasoline, maintenance, parking, registration, etc. After personally seeing Cancer Alley in Louisiana and so many “fence line” communities, where fossil fuel companies are polluting the air, water, soil and lives of people living there, it’s quite impossible to want to support anything made with plastic. It’s never “cheaper.” I encourage everyone to learn more about this so that we can be a part of the solution for climate injustice, in addition to rewilding our world back to clean, green, wondrous, healthy and biodiverse. Vote for trees, clean air, and renewable materials that are found wild in nature and that support and enhance life. Take all the steps necessary to stop voting with our consumer and investment dollars for plastic, polyester, plastic bricks and all the ways that the oil/gas industry has inundated our lives. (I help individuals green their wealth plans, too. Email [email protected] for additional information.) Our planet has endured the extinction of many species, and it will surely outlive the Anthropocene. The real question is, “Will we choose to live in greater harmony with the natural world, which nourishes and sustains us, so that we save ourselves?” Wetland restoration could aid in reducing the Dead Zone in the Gulf of Mexico, and make communities more resilient to hurricanes and flooding, while promoting biodiversity. Planting trees creates shade and sanctuaries for wildlife. Reforestation and regenerative agriculture are powerful mechanisms for drawing down CO2. While single-use plastic persists, the recycling lie circulates, petrochemical fertilizers turn living soil into dirt, and greenwashing misinforms, oil and gas companies will keep expanding to bring us the products and gasoline that we are voting for with our dollars and choices. When the consumer votes for life, everything can change overnight – just as it did with the emotional support reusable water canteen. Si se puede. Oui, c'est possible. 是的，這可以做到。Ja, das lässt sich machen.はい、可能です。Yes, we can do it. ### 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? Clean energy scored 44%... Why not treat yourself to the gift of financial freedom and a green wealth plan? Register now to join us at our online Financial Freedom Retreat Oct. 10-12 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 July 31 to receive the best price. (Ask for access to a recording of our Wealth Secrets of the 1% or our Real Estate 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 4-11, 2027. (With just three rooms still available, this exclusive, private, bucket-list is almost sold out!) 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 Nvidia, artificial intelligence, and chips, * 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.  Email [email protected] for pricing, additional information and to register. Register by July 31, 2026 to receive the best price.  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 two 12-month all-access passes to our online training and four private, prosperity coaching sessions. There are only 3 rooms available. 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. Yes, it's a great idea to register and start transforming our lives now with the online ABCs of money courses.  David Wilson, the Home Farm manager of H.M. King Charles III educating me on regenerative agriculture. 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 Higher the Dividend, the Higher the Risk. Wall Street has a Serious Gambling Problem. Margin Trading Hits an All-Time High. Spring Equinox & Father's Day Sweepstakes Warren Buffett Investing Tips and that Deepfake Video. The SpaceX IPO. Are You Buying High? Capture Gains at an All-Time High. Rebalance. Whirlpool Suspends Dividend. Share Price Sinks. Why I Prefer Select Corporate Bonds to Treasuries. When Superstars Burn Out. Should You Just Own an S&P 500 Fund? Gold, Silver and Crypto. Are the Safe Havens Sinking? 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. Are We Headed for Another Crypto Winter? Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. 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? 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? 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. 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.  The Higher the Dividend, the Higher the Risk. Should you invest in that “high-yield” savings account, brokerage account, private equity or cash app, or is it a trap? Learn what those high-yield opportunities aren’t telling you (the risks and disclaimers). I’ll also cover some of the loopholes and potential gates (you can’t get your money out), fees (that wipe out your income) and restrictions (illiquidity) that await unsuspecting investors. Even when we are not properly informed of the fine print, the disclaimers are legal protection. While everything feels stable right now, we only have to look back a few years to March 2023 for bank failures. The former head of the FDIC, Sheila Bair (Republican), recently warned that there is more risk in the U.S. banking system than the stress tests reveal. In an interview with Politico last week, Bair said: "I hope and pray that we don’t have another big bank get into trouble. But the trajectory of these capital rules, make no mistake, is weakening the resilience of the banking system and significantly lowering capital for the larger banks who have already been taking on a lot more leverage since the pandemic… The market needs to believe that they [the Feds] have the political will to actually put these folks into some kind of a [temporary government-run company to run the bank’s operations until it’s sold or liquidated], wipe out the shareholders, impose losses on unsecured creditors, as you would in a bankruptcy proceeding, and if you just did that once, you would probably end bailouts." This is a banking insider warning us and reminding us that banks can and do fail and that shareholders who are invested in the stock lose everything, as can depositors with uninsured deposits (above the $250,000 limit). So, how do we protect ourselves? Here are the Topics I’ll Cover in This Blog. High-Yield FDIC-insured CDs Money Market Funds Are the Cash App, Venmo, PayPal FDIC-Insured? What about the FDIC-Insurance Offered by Brokerages? How Safe Is the Sweep? Are the Stablecoins FDIC-Insured? Annuities Private Equity and Credit Dividend Stocks and That Warren Buffett Deepfake Video Where Can I Earn a Safe Income? And here is more information on each topic. High-Yield FDIC-insured Certificates of Deposit While an FDIC-insured account is backed by the full faith of the U.S. government (up to the $250,000 limit), do we really want to go through the stress and uncertainty of a failed bank? Are you aware that a lot of U.S. banks are rated BBB – the lowest rung of investment grade? Did you check the credit rating of the bank that’s offering the higher yield? Most “high-yield” rates are less than a percentage point above the 2-year Treasury bill rate. Are the extra pennies worth the risk? A simple search on any AI platform seeking the credit rating of the bank will easily reveal the risk assessment that rating agencies offer. As for community banks, they often are not rated (too small), and they can carry a great deal more exposure to the distressed commercial real estate sector (those empty office buildings). Almost 500 banks failed in the Great Recession. One bank that I researched for a coaching client was a junk bond (below investment grade), until it was rescued by another bank that currently has a BBB rating (the lowest rung of investment grade). The marketing didn’t mention those details. The bank was offering 4.10% yield, which is less than the current yield of the 2-year Treasury bill (4.17%). Money Market Funds People are sold into money market funds for the convenience and liquidity. However, these funds are not FDIC-insured, can go down in value, often get into trouble during recessions and can impose mandatory liquidity fees in the event of elevated investor selling. One of my clients had quite a large sum in a money market account. He was surprised to learn that the fund can impose a liquidity fee – charging investors to withdraw their money (under certain circumstances). The whole point of the money market fund was for this person to be able to access the money at any time – particularly if the economy starts to weaken and real estate market prices become more affordable. However, that’s exactly the time when money market funds can get into trouble, triggering the mandatory liquidity fee that is enforced by the SEC. According to the SEC final rule, “The amendments require certain money market funds to implement a liquidity fee framework that will better allocate the costs of providing liquidity to redeeming investors.” In other words, if you want your money back at a time when everyone else is worried and wants their money, too, you’ll have to pay for it. Another downside to holding too much cash in a money market fund is that the SIPC insurance limit is $500,000 per customer, with a $250,000 cash limit. At least 29 (and potentially up to 62) funds broke the buck in the Great Recession but were quietly bailed out. Are the Cash App, Venmo, PayPal FDIC-Insured? Digital payment apps and offerings from fintechs that are not banks are not FDIC-insured. Under certain circumstances these companies will offer “pass-through” relationships with banks that offer the FDIC-insurance. However, it’s important to remember that if the fintech fails, your money is not FDIC-insured (only if the bank does). Voyager Digital is one example of this. (See below for more details.) The FDIC has a Bank Find tool, where you can see if the company is insured or not. https://banks.data.fdic.gov/bankfind-suite/bankfind What about the FDIC Insurance Offered by Brokerages? How Safe Is the Sweep? If you’ve purchased an FDIC-insured C.D. through a brokerage, then your money is clearly at the bank and is protected up to the FDIC-insurance level. However, brokerages are not banks and are not FDIC-insured. This is an important distinction that we’ve already seen in action. When Voyager Digital collapsed in March of 2022, the FDIC sent a cease-and-desist letter to the brokerage for making false and misleading statements. Depositors had to wait out the bankruptcy liquidation plan (mid-2024). Eligible creditors with a valid claim ultimately received about 70% on the dollar. Voyager Digital was an example of a brokerage that offered a very high interest rate, which ultimately lost investors 30% or more of their principal investment or promised assets. While broker cash sweep programs promise that millions can be FDIC-insured, again, if the brokerage fails, the cash might be tied up while the trustee untangles the knot of which investors get what and where all the assets are hiding. After the Oct. 2011 MF Global Bankruptcy, it took almost five years for investors with allowed claims to get all their money back (2016). Voyager Digital’s business practices were fraudulent. MF Global suffered from a misguided and highly leveraged investment strategy (betting on Greek bonds). Do you know the creditworthiness of your brokerage, how well capitalized it is, how long it has been in business, and whether the C-Suite should be trusted? The same applies to the funds we purchase. Are the Stablecoins FDIC-Insured? Stablecoins are not FDIC-Insured. However, they are required to have a 1:1 reserve of safe, highly liquid assets (U.S. dollars, short-term Treasury bills and repurchase agreements). The Genius Act specifically prohibits the stablecoin from offering a yield. However, loopholes have been exploited. The TerraLuna stablecoin failure was at the heart of the crypto implosions of FTX, Voyager Digital, Three Arrows and more in 2022. (Sam Bankman-Fried is in jail, with a release date of 2044.) Annuities Annuities are sold as a great way to keep your money safe with no risk of loss. However, the minute you buy it, you lose up to 7-10% and must wait up to a decade for it to come back. How many investors are aware of the “surrender” fees that are imposed even if the insurance company gets into trouble and you want out. Insurance companies are not FDIC-insured. If the insurance company fails, our claim goes to the state insurance guarantee corporation, where we will likely be receiving less than we were counting on. (California guarantees 80% up to $250,000.) If AIG had not been bailed out in 2008, more than 76 million global policies would have been in trouble. To make matters more concerning, the annuities I’ve been reviewing for my private clients are paying half of the current yield (2%) of T-bills. At that rate, it would take us 36 years to double our money. How many investors would bet on the insurance company over the U.S. government, particularly if they knew that their return was lower than the rate of inflation?  Private Equity and Credit Another sinkhole that lures us in with promises of income can be private equity and credit. I’ve seen retirees promised that they owned “real estate” and were earning income on it, when in fact they owned equity in a private company that was cash negative for years. Instead of earning income, this couple lost $18,000 of their principal investment – money they really couldn’t afford to lose. Read their story (in their own words) in the guest blog, “They Trusted Him. Now He Doesn’t Return Calls.” Another client was sold into a private credit fund for the “high” income. The fund had alarming fine print that wasn’t read, including the disclaimer that the shares were illiquid and couldn’t be sold and that the firm invested in junk bonds. Private credit is one of the areas of concern in the economy right now. Some of the funds have gated withdrawals. (You can’t get your money out). Many have lost a great deal of their share price. Blue Owl Capital (symbol: OWL) has lost -57% over the last year, at a time when the S&P500 is up 19%. Learn more in my The Venus Flytrap of Private Credit blog. Dividend Stocks and that Warren Buffett Deepfake Video Warren Buffett was always careful to protect Berkshire Hathaway’s principal and recently said that the price of stocks is silly – contrary to what the deepfake video says. Buffett famously exited GE stock just a few months before the company slashed its dividend (in 2017) and lost half of its share value. Before the cut, GE was a “Dividend Aristocrat” offering a high yield. Investors should be aware that a higher dividend often comes with much higher risk of losing money – more than the dividend can make up for and often indicating that there is a risk of a dividend cut or suspension. More recently, Whirlpool suspended their dividend. Ford Motor Company has been in and out of junk and investment grade status multiple times over the past decade and is still rated speculative by Moody’s. Learn more about these events in my blogs; click on the blue-highlighted words to access. Because of the heightened debt in the U.S., combined with elevated equity prices and lower yields, we’re using value replacement funds. The Peru fund (symbol: EPU) is up 175% over the past three years, while earning a higher yield than a comparable U.S. based value fund (IWS). Learn more in my Hot Countries blog. We focus on value replacement funds and how to earn a competitive income safely at our Financial Freedom Retreat. The next one is Oct. 10-12, 2026. Get the best price when you register by July 31, 2026. Where Can I Earn a Safe Income? So, what in the world should you do with your cash? It’s tricky. However, it is not difficult. You just need to know a few of the main mantras. FYI: We’ve been using these strategies for decades, and those who follow them are not experiencing paper losses. Many doubled their money in real estate, when interest rates were at zero. Earning an Income in 2026+ Safely Rules. 1. Keep the terms short. 2. Keep the creditworthiness high. 3. Lean into newer companies and avoid the older companies, which might have more debt and leverage, lower profit margins and flat or negative revenue growth. 4. I’m more interested in short-term Magnificent 7 bonds (excluding Tesla) than Treasuries or C.D.s at this moment. Read my blog to learn why. (They have a lot of cash, low debt, impressive year-over-year revenue growth and unbelievable profit margins.) 5. Hard assets hold their value better than paper in a highly leveraged Debt World. 6. Real estate is at an all-time high, making it difficult to buy at a reasonable price. There’s a Real Estate section in The ABCs of Money, 6th edition that includes many case studies and a 10-Point Checklist. I will be hosting a Real Estate masterclass next Spring. If you’re interested in the recording from the 2025 masterclass, email [email protected]. Learn more about all the things that I’ve covered in this blog in the blogs below. MMFs vs. FDIC & SIPC. Is Your FDIC-Insured Cash Really Safe? Bottom Line The higher the dividend, the higher the risk. If it’s a younger company, you need to be concerned about hyper-aggressive, overleveraged, potentially under-capitalized business practices. It’s a good idea to know the credit rating of your bank and brokerage and to understand all the products that you own. A 4% return on $1,000,000 (in your 401K, IRAs, brokerage account, etc.) is $40,000/annually. That’s a nice raise, if you can achieve it without risking your principal investment. Why not invest in wisdom to ensure that you do this? I’m hosting a Bonds & Fixed Income Without Paper Losses masterclass on Oct. 17, 2026. Prerequisite: the Oct. 10-12, 2026, Financial Freedom Retreat. Email [email protected] to learn more and register now. ### 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 gained 141%. Peru (copper) was on fire with 83% gains. Even clean energy scored 44%... 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 Oct. 10-12 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 July 31 to receive the best price. (Ask for access to a recording of our Wealth Secrets of the 1% or our Real Estate 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 4-11, 2027. (With just three rooms still available, this exclusive, private, bucket-list is almost sold out!) 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 Nvidia, artificial intelligence, and chips, * 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.  Email [email protected] for pricing, additional information and to register. Register by July 31, 2026 to receive the best price.  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 two 12-month all-access passes to our online training and four private, prosperity coaching sessions. There are only 3 rooms available. 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. Yes, it's a great idea to register and start transforming our lives now with the online ABCs of money courses.  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 Wall Street has a Serious Gambling Problem. Margin Trading Hits an All-Time High. Spring Equinox & Father's Day Sweepstakes Warren Buffett Investing Tips and that Deepfake Video. The SpaceX IPO. Are You Buying High? Capture Gains at an All-Time High. Rebalance. Whirlpool Suspends Dividend. Share Price Sinks. Why I Prefer Select Corporate Bonds to Treasuries. When Superstars Burn Out. Should You Just Own an S&P 500 Fund? Gold, Silver and Crypto. Are the Safe Havens Sinking? 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. Are We Headed for Another Crypto Winter? Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. 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? 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? 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. 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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