Natalie Pace Blogs
Photo of Natalie Pace by Marie Commiskey. Avalon Photography.
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 Photo: Gabe, Natalie, Davis at Hotel Negresco in Nice, France. Christmas 2010. The 6 Rs of a Sustainable Holiday Including a list of eco organizations worldwide that you might consider donating to. Before writing this blog, I asked my young adult son, “What was your favorite Christmas gift?” Not surprisingly, he listed the years he got the paintball gun, a portable CD player and various gaming devices. However, he also mentioned a special belt he got from his Cowboy Grandpa, with a stone for a buckle that his grandfather had found and polished. (My father was quite a rockhound.) It was a very meaningful gift to my son. His friends have coveted it over the years because it was so special and unique. Alas, it’s not something that can be purchased, and most of us don’t have a lapidarist in the family. Another thing was also mentioned – our holidays together in Amsterdam and France. Again, it was a generic question without any prompts leading him to what I wanted him to say or what might support this blog. His response confirmed that, in addition to things, what kids really want for Christmas and what makes a lasting impression are presents and experiences that we cannot buy at the superstore. So, I’m encouraging us to get creative this holiday season about establishing new family traditions that might bring us even closer together and make the holidays even more special. For families who are feeling budget constraints, the tips below might help us to use the lack of funds as a prompt to create winter holiday magic in a whole new way. Today's Sustainability Tip: "Did you know that recycling is the least effective of the 6 Rs, as less than 5% of plastic gets recycled in the U.S. and less than 9% worldwide? What are the 6 Rs? Rethink. Refuse. Repair. Reduce. Reuse. Recycle. This is important to consider this holiday season! Maybe the gift of time and adventure (in an eco-friendly way) are better than things." Natalie Pace, author The Power of 8 Billion: It’s Up to Us and co-creator of the Earth Gratitude project. The Giving Season Are you interested in protecting the rainforest? In conserving elephants, giraffes, rhinos, and other iconic animals? Would you like to see student gardens and healthier lunch choices in schools? Are you ready to reduce your personal CO2 footprint by learning more about the power of individual choice? Do you know why an attitude of gratitude is so effective? Are you learning more about healthy, non-toxic, nutrient-dense food, regenerative agriculture and the Make America Healthy Again movement? If any of these topics interest you, check out the contributors’ page of EarthGratitude.org where you will find links to organizations that are moving the needle in each of these areas. I also encourage you to watch our Earth Gratitude 5-part docuseries. You’ll be inspired by all the great work that is happening globally. The 6 Rs of a Sustainable Holiday Rethink. Refuse. Repair. Reduce. Reuse. Recycle. And here is how each R might create a treasured and sustainable holiday season Rethink. Rent a Living Christmas Tree! Did you know that some nurseries allow you to rent a Christmas tree in a pot? After you use it, it gets returned and will eventually be planted in a forest. There are other ways that we can incorporate trees into the holiday tradition without chopping one down and putting it in our living room. What if the family went and visited the trees at the nearest nature preserve? Is it possible to start a new tradition without a dying tree that will have to be composted a few days after Christmas? It’s our family after all. We get to decide what’s important to us, how we want to bond together and the central themes that we wish to reinforce as a through line for our children. If preserving nature is one of those things for you, then this is an invitation – a challenge – to embrace the ethos you believe in, while rethinking your holiday tradition. Experiences, Not Things I mentioned above that two of the presents my son specifically called out were our trips to Amsterdam and France. Amsterdam was my son’s study abroad during college. He decided to conserve money, and he wasn’t going to fly home for Christmas. I went there to celebrate the holiday with him. There were only a few students in his group who remained in the Netherlands, which made our celebrations even more meaningful and bonding. Beyond that, seeing all the Nederlanders commuting by bike, instead of car, gave me the courage to give up my vehicle in Santa Monica and embrace walking and biking, especially for local errands. People driving around in single-occupancy vehicles are a big part of the reason why Americans, Canadians, Australians and people living in the Middle East have a CO2 footprint that is 3X that of many Europeans.  With regard to France, all his friends were going. He had a girlfriend in France (again this was during his college years). I figured out a way to make it even more special by getting a few rooms in a historic hotel in Nice, France – not far from where my son’s French girlfriend lived. (This was right after the Great Recession, and this amazing destination was quite affordable.) Oddly, we don’t remember giving or receiving any particular present during either one of those trips. It is possible that the trip itself, along with the special meals and museums, was the gift. (That has become a tradition – saving up to do something very special together.) We now have Christmas memories of the tour of Rembrandt’s home studio, the dinner at Five Flies restaurant (where Rembrandt used to trade his etchings for food), the Van Gogh Museum, and Hotel Negresco (Nice, France) with all its artwork and masterpieces. Of course, I did not spend all the time with my son and his friends. I was prepared to spend much less time together, since he was a college student with his peers. However, we ended up sharing a lot of meals with his friends (because I was paying and college students are on tight budgets probably). It didn’t feel like they were censoring themselves in anyway, but rather that I was invited to participate, not quite on par with them, but still as an intimate guest. I understand that these are exotic and expensive destinations that carry a CO2 footprint. These days, we fold that decision into the mix. As an example, our most recent adventure was a train ride and a few days in San Diego – close to home in Santa Monica, but with a much lower CO2 footprint than flying or driving. It is also more fun and easier to chat when the train is part of the adventure, and you don’t have to focus on the highway and other drivers’ peculiar (and potentially dangerous) steering habits. Another adventure that is at the top of my list is the year that we gave my cousin’s family a trip to Disneyland. They were moving from California to Utah, and their children had never been. Our little family came together to make it happen for them and joined them there. It was so special. (We have a tradition of giving a gift to a family in need each year.) Refuse. Polyester is an oil product, just as plastic is. They are toxic from the drilling of oil, to the microplastics, through to those petroleum-based toys and clothing going to landfills because they are not recycled or recyclable. There it could take centuries to break down. Pact, Mate, Blue Canoe – there are many brands that offer competitively priced natural fiber clothing. Natural fiber clothing composts, enriching the soil (once you remove any synthetic buttons, zippers, elastic, etc.)! It is healthier for our skin to wear. Oftentimes it’s warmer in winter and cooler in summer. Putting petroleum all over our food and bodies was never a good idea. Learn more in my Plastic blog. Also be careful of the vegan label. The oil industry loves it when their products are labeled “vegan-friendly.” However, if we’re concerned about animals, we should be factoring in all the animals that die each year and species that are getting exterminated as a result of oil drilling, habitat destruction, oil and chemical spills, microplastics and more. CROCs are made of polyethylene vinyl acetate (PEVA), which is chemically related to plastic, and was part of the toxic spill in Palestine, Ohio on Feb. 3, 2023. There are many beauty products that are considered “green” or “vegan” that are full of petroleum-based chemicals. Until recently, petroleum-based synthetic food dyes were the norm in a lot of processed food – something that the HHS and FDA are trying to phase out. My friends and family have been trained to only purchase natural fiber clothing for me. They also know that I’m not that into things, in general. Which brings me to one of the easiest and most important choices we might make this holiday season: The most eco-friendly gift we can give is the one we don’t buy. Repair. Are you the fix-it person in the family? Could the best gift be your time & talent? As I mentioned above, one of my son’s favorite gifts was a Western-style belt with a polished stone belt buckle that his grandfather made and gave him. It’s been a staple of his wardrobe for over a decade now – even more special now that his grandfather is no longer with us. If we take liberty with the repair idea – is it possible that the best gift is something that you teach someone? One gift I plan to give this holiday season is an ebook of my favorite recipes. I love cooking and have added some personal touches to a few of my favorite celebrity chef creations. I quite enjoy seeing family members use some of my cuisine hacks in their own food preparation. Reduce.
Eat local and regeneratively produced organic food. It’s nutrient-dense, healthier, tastier and is better for our planet. If we don’t know the origin of our food, we could be eating Rainforest Beef or Cancer Alley Chicken – bad for our bodies, our oceans, our air and so much more. Learn more in my Rainforest blog. It’s tempting to purchase the cheapest thing or buy into the chic-looking ads of fast fashion, particularly if we just want to get through our gift shopping list. Rarely do the products hold up to the marketing images, and often there is a giant waste dump of discards and social concerns that we’ve had to overlook to click and pay. Learn more in my Fast Fashion/Temu blog. Is there some experience or personal touch we might offer that might be more lasting and touching? Should we investigate our closet or attic instead of online? Reuse. Many families have boxes of holiday decorations. Bravo! If you’re buying something new, is it made of plastic? Can you think of something more sustainable, such as wood? Also…
Recycle. Now that we know that recycling isn’t really happening, we can focus on the solutions that actually work. There is a reason why Recycle is at the bottom of the 6Rs of Sustainability list. Happy Holy Days! Tag me at @NatalieWynnePace on Instagram with your ideas and new family holiday traditions. I’m so interested to see what you’re dreaming up. Why not treat yourself to an online Financial Freedom Retreat this holiday season? Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Dec. 1, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.
 Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Nov. 30, 2025 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 the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.
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 Image: MetaAI Are We Headed for Another Crypto Winter? Watch my free videoconference on YouTube.com/NataliePace or listen to my podcast on NataliePace.Substack.com. Bitcoin’s high was $126,279.65 on Oct. 6, 2025. On Nov. 29, 2025, the coin was valued at about $91,000. That’s down -28%. Will bitcoin recover and soar even higher, or are we headed into another Crypto Winter? During the last down cycle in 2022, bitcoin sank to $15,683 (on November 9, 2022). So, what is the crypto lover to do to profit and to protect oneself? Buy? Sell? Hold? Here are the things we will cover in this blog. Isn’t it better to just buy and hold? Will crypto go up or down in 2026? How often do Crypto Winters come around? How long do Crypto Winters last? Who does the selling at the high? Is crypto being used as a currency? A buy low, sell high system on autopilot Capital gains taxes Crypto scams And here is more information on each topic Isn’t it better to just buy and hold? The trouble with buying and holding is that Crypto Winters can be very long and frigid. On November 9, 2021, crypto was at $69,000. It dropped to $15,000 by November 2022. Those kinds of losses, more than -75%, have serious consequences. At minimum, your FICO score plunges. When you’re worth $1,000,000, your FICO score and assets to debt might be in tiptop shape. If a year later your wealth has dropped to just $250,000, you might have a great deal more debt than money – and a lot of agents calling to collect. If you have borrowed money based on feeling super rich, whether it’s to purchase a house or sail around the world, banks and credit card companies don’t wait until crypto recovers to demand their payments. This could put us in a real vise, where our debt starts compounding at a rate that could swallow us whole, even if crypto recovers. Finally, perhaps as a result of debt, leverage and the real-world losses that accompany having too much of them, we see mental health challenges in Crypto Winters, with some of them resulting in loss of life. If you bought crypto in 2009, and you held it to today, you’ve made a great deal of money. If you bought it the all-time high and you sell now, you will lose a lot of money. What if there was a way that you could easily invest in the cryptocurrency of your choice, while also capturing gains when it hits an all-time high, and being prompted to buy low when it bottoms out? There is an easy plan that does this. Keep reading. Will crypto go up or down in 2026? If history holds true to form, 2026 will not be a great year for crypto. Of course, that doesn’t mean that the asset will follow the past trends. Here’s why. In 2022, when stocks dropped -19.44%, crypto hit a low as well. The losses were -66% for bitcoin in 2022.  The 2022 Crypto Winter was part of a historical trend that is worth noting. The future doesn’t always look identical to the past, but it often at least rhymes. As I mentioned in my March 24, 2024 Investment of the Year blog (before bitcoin soared 85%), the bitcoin halving trend has happened three times now. So far, we’re holding true to the historic tendency, as you can see in the chart below.  The most recent bitcoin halving event was on April 19, 2024. As has happened in the three prior halving events, the price of bitcoin soared over the next year. The high was on October 6, 2025. However, another part of the cycle is that by the second year the price has plunged into a Crypto Winter. That might indicate that the current rout is not over yet. Again, history doesn’t always repeat itself, which is why it’s better to use a time-proven system for capturing gains at the high and adding more at the low, rather than trying to market time things. How often do Crypto Winters come around? We’ve had Crypto Winters in 2014, 2018 and 2022. How long do Crypto Winters last? The average length of the Crypto Winter is about 2-3 years. Who does the selling at the high? This is the rather heartbreaking thing. While a lot of retail investors subscribe to buy and HODL, Wall Street whales just want to make a buck. So, typically, it’s the big money that is making all the profits by strategically selling high. Sadly, less-experienced traders often end up buying at peak prices before a market downturn – sold in by the hype and headlines, without doing the proper due diligence. This type of behavior is not limited to crypto, which is why our easy pie chart strategy helps with all investments. Is crypto being used as a currency? While some countries and companies will accept cryptocurrency, the use of crypto as a currency is very limited. The point of currency is to have something that’s going to be stable in value from day to day. As you can see in the chart above, bitcoin and other cryptocurrencies have wild fluctuations in their value. You can’t have a currency that is worth XYZ one month and less than half a few months later. A buy low, sell high system on autopilot After the devastating crypto cliff in 2022, crypto was the best performer of 2023 and 2024 by far, with gains of 167% and 116%, respectively. However, how many people bought bitcoin when it dropped to $15,000 on November 9, 2022? Sometimes people get so fed up with the losses that they sell low. (The cycle of emotions will almost always put us on the wrong side of the trade.) That’s the trouble with not having a system. When bitcoin hits its highs, everybody thinks it’s going to a million, and when it drops to its low, either people don’t have any money to buy low or they don’t have the stomach for it, worried that it will just keep dropping even further. Most people don’t buy low because they can’t. They lose too much in the bear market. Our pie chart strategy with 1-3 times a year rebalancing is very effective in helping retail traders and investors to make sure that they are capturing gains at the high, keeping that money and liquidity, which allows us (and actually prompts us) to buy low. This system takes the emotions out of our plan. If we have a slice of bitcoin and the slice doubles, capture gains and trim it back to where it should be. That increases our wealth and we get to keep the money (and our FICO score). If the asset keeps going up, you can do it again. Conversely, if we’ve captured our gains and bitcoin plunges, the thinner slice is encouraging us to buy low (if we still believe in the investment). Learn more about our time-proven, 21st Century investing system at the New Year New You Financial Freedom Retreat January 17-19, 2026. Email [email protected] to learn more and register now. You can also check out our free web apps, where you can personalize your own pie chart. Just email [email protected] with Free Web Apps in the subject line. Capital gains taxes Crypto can be volatile. Fortunately, there are now ways that we can own bitcoin or ethereum in our tax protected, self-directed retirement account. This could take our capital gains exposure down to nothing. Be careful just searching online or asking AI how to do this. You might end up with the company that paid for prime placement, rather than the most creditworthy one. There are a few very important considerations before we purchase any fund. (I cover this at the Jan. 2026 retreat.) Crypto scams There are some crypto funds that are owned by creditworthy multibillion-dollar financial services companies, and there are crypto funds owned and operated by criminals. There are a great deal of scams in the crypto space. According to the FBI, over $9.3 billion was reported lost to crypto fraud in 2024. Since not everyone reports their losses, the actual amount is likely higher. Bottom Line As I indicated above, if the history of bitcoin halving events is true to form, 2026 will not be a very good year for cryptocurrencies. That is a guarantee. However, rather than trying to pick the exact moment to jump in or out, if we use our pie chart system, then the fluctuations of cryptocurrency can be something that prompts us to capture gains at the high, which increases our wealth and secures it – keeping us warm in Crypto Winters, instead of frozen and desperate. Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Dec. 1, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register by Cyber Monday, Dec. 1, 2025 for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Nov. 30, 2025 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 the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Black Friday & Cyber Monday Sales Give the Gift of Adventure & Other Novel Holiday Gift Ideas Receive Free Gifts and Massive Discounts This Weekend Only! Special Holiday Blog by the Natalie Pace team Our online courses, books, blogs and coaching are time-proven 21st Century strategies that are not found in the mainstream. Learning the life math that we all should have received in high school will transform your life and remove the obstacles that may be standing between you and your dream come true life. Whether you want to double your money in stocks, protect your wealth, reduce debt, thrive (instead of struggling to survive), live a greener life or make prosperity and abundance your daily habit, we have free videocoaching available to you. Just email [email protected] with your 2026 New Year, New You goal and we’ll offer some tips and ideas (some free) to help you achieve it. See below for our… Black Friday & Cyber Monday Sales & Free Gifts Complimentary Coaching Receive a 50-minute Private Prosperity Coaching Session (value $400) when you register for our New Year, New You Financial Freedom Retreat between Black Friday and Cyber Monday. Email [email protected] or call 310-430-2397 to learn more and register now. Save $200 On the New Year, New You Financial Freedom Retreat Now through Dec. 1, 2025, you’ll save $200 when you register for our Jan. 17-19, 2026, online New Year, New You Financial Freedom Retreat (while also receiving a free coaching session). Bring someone with you and they pay half of the Early Bird price. (Bring a teen or college student with you for $99!) Email [email protected] or call 310-430-2397 to learn more and register now. Most people earn back the cost of the retreat in budget savings alone within a few months. Of course, once you start employing the Rule of 72, and doubling your money every 7-10 years, while protecting your wealth, everything changes. Our time-proven, 21st Century strategies protect wealth, earn income safely (without paper losses), lean into the future and hot industries like AI, teach you how to stay on the right side of crypto and stay warm during the frigid Crypto Winters, while making all of this as easy as a pie chart. https://www.nataliepace.com/retreat202601.html#/  BOGO Coaching Buy one coaching session at full price and receive a 2nd free. Buy three and receive six. (Volunteers: Your prices will be lower.) Email [email protected] or call 310-430-2397 for pricing and information. Many people use our private coaching program for an unbiased 2nd opinion of their wealth plan and to employ our time-proven, 21st Century budgeting, investing and sustainability strategies. 8 Complimentary Private Prosperity Coaching Sessions Receive this special gift from Natalie Pace when you register (in full) for our exclusive Restormel Royal Manorhouse adventure, living for a week on a private royal estate in Cornwall, England. (Available this weekend only.) Should this be the year that you give yourself and your loved ones the gift of a bucket-list adventure that will transform your life forever? There are only six rooms still available. Learn more and read testimonials at the retreat flyer. What wisdom will you drink in by walking in the footsteps of a family who has kept their wealth for centuries? Two community projects were born there from our retreat attendees. This specially curated retreat will transform your life forever.  FREE GIFTS Complimentary Videocoaching Our videocoaching series are designed to assist you in mastering the solutions needed for everyday challenges. There is no purchase necessary. Email [email protected] or call 310-430-2397 to learn more and register now. Below are some of the targeted solutions that you can select from. 21 Days of Prosperity and Abundance training. Our daily mantras and action plan will activate a Healthier, Wealthier, More Sustainable You. This course touches all areas of money – budgeting, investing, career and family – by pointing us in the direction of solutions that will work and away from spiraling in the drama that doesn’t. Budgeting and Adulting Life Hacks. When life doesn’t add up, we need better information and to make brave choices. Most of us are not shopaholics. When we address the big-ticket spending with more-informed solutions and fresh ideas, we can save thousands of dollars annually. This is essential to living financially free. Debt Solutions. When we stop making the debt collector rich, we can start living a richer life and build lasting wealth. Too many think that once they pay off debt, then they’ll start saving and investing. However, becoming debt-free requires a different plan than the one that is keeping us indebted. Only a complete money makeover that includes an effective budgeting and investing plan will achieve this goal. 21 Days of Green. Make sustainability seamless in our daily life by understanding some of the fundamental truths of CO2. Putting plastic all over our bodies (polyester) and food was never a good idea. Did you know that plastic and polyester are petroleum products that are harmful to the environment, animals and humans from their inception at the oil well to their never-ending life as microplastics? Why do Americans, Australians, Canadians and people living in the Middle East have a CO2 footprint that is 3 times (or more) higher than most Europeans? Free Ebooks make great stocking stuffers! Dec. 21, 2025 through Dec. 25, 2025, you will be able to download Natalie Pace’s bestselling ebooks for free (in the U.S.). (For those living outside the U.S., while the Amazon offer might not be free to you, many of our ebook prices are under $5.) Get links to the ebooks below. Go to https://www.NataliePace.com and click on the book cover to be sure that you are receiving the most up-to-date edition. The ABCs of Money (6th edition) Time-Proven 21st Century Strategies for Debt Reduction, Budgeting, Real Estate, Stocks, Bonds, Crypto, Gold and more. The Power of 8 Billion: It’s Up to Us Learn the triple win of greener choices. Save thousands annually. Healthier You, Healthier Budget, Sustainable Planet. The ABCs of Money for College (2nd edition) Get a better degree for up to half the cost. Parents: read this book when your child is born. Teens: here are great tips and resources that you just won’t learn about from most college counselors and those standardized personality tests. Natalie Pace plans to update and publish the 2nd edition before the free ebook gift date of Dec. 21, 2025
BOGO Coaching Sessions These sessions can be used for an unbiased 2nd opinion of your current wealth plan. Learn exactly what you own and what a safer, hotter, and more diversified plan looks like. With stocks at an all-time high, now is the perfect time to do this. Natalie Pace’s analysis comes with color-coded details of all your holdings and easy-to-understand instructions that you can choose to use (or not). You’re the boss of your money. However, are you using blind faith or informed strategies? When you know what you own and what a healthy plan looks like, it’s much easier to make the right choices. You’ll learn what’s toxic, what’s safe, what you have too much of and what you’re missing. Our mission is to provide the news, information, time-proven systems and education to make it easier for you to navigate through all the noise, hullabaloo and traps, in order to live a richer life, protect and grow our wealth, earn money while you sleep and stop making the billionaires rich at our own expense (also good for the planet). Thank You! Your presence in our community means the world to us. The best things in life don’t cost a thing – friends, family, Mother Nature’s many blessings. This year, Natalie is particularly grateful for you because your participation in our community allows her to do what she is most passionate about and what she believes is very important to be bringing to the world. We thank you for helping us to spread the word of just how effective and empowering the Thrive Budget and easy-as-a-pie-chart investing strategies are. We work hard to add a splash of green to Wall Street and transform lives on Main Street. Thank you again for your continued support! The above offers expire at midnight PT on Monday, Dec. 1, 2025. Happy Thanksgiving! What are you thankful for? Share with us on social media. FYI: Natalie Pace posts regular money tips on her Instagram Broadcast Channel and on her other social media (links below). See the collage of Natalie Pace's own life journey to financial freedom in some of the pictures below (and in a reel on Instagram.com/NatalieWynnePace.) https://www.instagram.com/nataliewynnepace/ https://www.linkedin.com/in/nataliepace/ https://x.com/NataliePace https://www.facebook.com/TheABCsofMoney/ https://www.tiktok.com/@natalie.wynne.pac https://nataliepace.substack.com/ https://www.youtube.com/nataliepace Praise for The ABCs of Money and Natalie Pace’s work. "The ABCs of Money will teach you how to stop getting buried in debt and start scoring gains for the home team. The more you score, the more you'll win financial freedom and enjoy your life. College students need the 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 "Thank you, Natalie, for saving my retirement!" Nilo Bolden, executive director at a law firm in Century City, CA “Many people, including educated men and women, often get into trouble when they neglect to follow these simple and fundamental rules.” Professor Gary S. Becker Gary Becker won the 1992 Nobel Prize in economics. “As a young professional, between the knowledge gained through retreats and the experiences from our immersive trip [to Cornwall England], I feel much more aligned with my visions and values than most of my peers.” M “We asked Natalie Pace for a second opinion on our investment portfolio. She researched and reviewed each stock and fund. She then explained to us in plain English how we were positioned in the market and how high our risk exposure was. Her knowledge was so profound that we decided to take her retreat in Arizona. My husband was still quite skeptical, but 20 minutes into the retreat he turned to me and said, ‘Thank you.’ Stocks and investing are no longer rocket science. We are finally able to take control of our money. We give thanks just about every day that we met Natalie. I feel like I live on a different planet. I'm so grateful. Thank you for changing our lives, our peace of mind, our future and our vision of what is possible. We made a tectonic shift with you.” AC & AM "The ABCs of Money is a must-read to help people understand the complicated economics of modern day (and how to protect and grow their wealth), or to go from surviving to thriving. It helped me and numerous members of my non-profit, The New Hollywood, to become empowered, educated bad asses with their financial literacy." Brianna Brown Keen Film and Television Actress Founder and CEO of The New Hollywood Learn the ABCs of Money that we all should have received in high school and college to score As in: life math, investing, budgeting, housing, debt reduction and living a richer life. Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Dec. 1, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Nov. 30, 2025 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 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 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 Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Argentina (Lionel Messi) won the 2022 FIFA World Cup. Photo: Lionel Messi during New England Revolution vs Inter Miami on July 9, 2025. Photo by: Bryan Berlin. Wiki Commons. Used with permission. Will the 2026 World Cup Save the Travel Industry? Tourism Dropped in 2025 in the U.S. Will 2026 Come Roaring Back? International travel to the U.S. is expected to be down by -15% this year compared to the levels seen in 2019 (source: Trade.gov). Starting next year, there are many major events on the horizon that could seduce international guests to American shores again, including the 2026 FIFA World Cup, America’s 250th Anniversary (2026), the 2028 Los Angeles Summer Olympics, the Rugby World Cups in 2031 and the Salt Lake City Winter Games in 2034. However, before you pick your favorite hotel chain, travel app or airline to invest in, including Airbnb, there are a few other considerations, including the big question, “Why are foreigners choosing to forego the U.S.?” Here are the things I’ll cover in this blog. Sonder Holdings. Marriott’s Partner Bites the Dust. Oh Canada! Visa Roadblocks Cyber Monday & Consumer Uncertainty Airlines, Hotels & Booking Sites High Valuations with Slow Growth Tempting Headlines And here is more information on each point. Sonder Holdings. Marriott’s Partner Bites the Dust. On November 14, 2025, Sonder holdings Inc. filed for chapter 7 liquidation bankruptcy. The company had been a partner with Marriott. According to Business Insider, Marriott terminated its agreement with Sonder because the company owed Marriott $17.7 million. Since the bookings were made on a Sonder page on the Marriott website, Marriott is now embroiled in helping disgruntled clients recover fees that were prepaid for adventures that are no longer available. So far, investors aren’t concerned. Marriott is still trading at an all-time high, with a 32 price-earnings ratio – quite lofty for a company with only 4% year-over-year revenue growth. However, the challenge could show up in the 4Q earnings report, which should be released in February of 2026. Oh Canada! Canada is the top source of international visitors to the United States, generating $20.5 billion in spending and supporting 140,000 American jobs according to USTravel.org. In the wake of tensions between Canada and the United States over tariffs and the rhetoric about Canada becoming the 51st state, Canadian politicians launched the Destination Canada and Canada Strong Pass marketing campaigns, encouraging citizens to forego travel to the US and instead explore the destinations at home. That resulted in a gangbuster year for the travel sector in Canada, and in a steep short fall of Canadian visits to the US in 2025. According to Statistics Canada, the drop in visits was 23% year over year. California and Montana have responded with their own welcome passes and love campaigns for Canadians. Will this work, or has Canada fallen out of love with the U.S.? Visa Roadblocks In 2019, 35 million (43%) of international visitors and $120 billion in spending (50%) came from countries where a visa is required to enter the United States. Brazil, India and Mexico are three of the top inbound markets that accounted for nearly 22 million (63%) of these visitors. According to USTravel.org first time visitor visa applicants can wait more than a year for their visas. (This has been the case since 2022.) In 2025, there was a new visa integrity fee of $250 (on top of the regular visa application fees) added to the cost of a visa. Immigration crackdowns have also had a negative impact on worried international travelers. Cyber Monday & Consumer Uncertainty Consumers account for almost 70% of GDP in the United States. Domestic travel makes up about 90% percent of the $1.35 trillion annual U.S, travel revenue. So, economists are going to be closely watching Black Friday and Cyber Monday spending trends to gauge signs of how American consumers feel about spending this holiday season. We are already seeing early signs of economic stress in rising unemployment and rising delinquencies, particularly in student loans and auto loans. According to the New York Federal Reserve Bank’s Consumer Debt and Credit Report for the 3Q of 2025, 14.3% of student loan debt was in serious delinquency (90 days or more delinquent), with 3% of auto loans.  Airlines, Hotels & Booking Sites: Low Yield, Low Credit Quality, Substantial Debt One of the first things you’ll notice if you take a look at the Travel and Airline Stock Report Cards, is that a lot of the companies have very low credit quality, massive debt, and very tepid year over your sales growth to support it. Most of the companies are either junk bonds or at the lowest rung of investment quality. Some of the companies are cash negative. Email [email protected] if you would like to receive these stock report cards. A gangbuster year in travel might help the industry. However, just jumping in on any World Cup related investor fever might put investors on the wrong side of the trade, particularly given the lofty valuations that some hospitality companies are enjoying. High Valuations with Slow Growth Despite the above concerns, a lot of companies are trading at five-year/and or all-time highs, including Las Vegas Sands, Hilton Worldwide, Expedia and Marriott. Price-earnings ratios for most of these companies are very high, particularly considering the slow revenue growth most are experiencing. Even if the travel industry gets a small bump next year with the FIFA World Cup, will this be enough to offset a potentially weaker, domestic travel market, if the economy does not strengthen, and inflation proves to be persistently sticky? Will the high leverage and debt in the industry make more headlines making investors nervous? Tempting Headlines Headlines always make things sound exciting, and it is highly likely that some bloggers are going to latch onto the FIFA World Cup narrative to support an investment in hospitality. (Some companies may even pay influencers to promote this angle.) However, when we wait for the headlines, we’re usually late. Successful investing requires looking at the entire picture of a 100-piece puzzle and buying and selling at favorable prices – more analysis than whether the World Cup will bring an expected recovery of 3.7% growth in international travelers in 2026. Bottom Line When an economy slows down, travel and leisure tend to be one of the first areas where families tighten their budgetary belts. With so much of the United States tourism tied to the U.S. consumer, and a recent downturn in popularity for U.S. destinations from international travelers, betting on hotels and airlines could be a very risky investment. In the short run, Wall Street can be a popularity contest. So, anything can go up just because the headlines are screaming that they are a great idea. However, in the end, it always goes back to good business practices. And sadly, perhaps due to the pandemic hangover, many of the airlines, hotels and booking companies have not fully recovered to their pristine fiscal health. While I might buy a ticket for a World Cup event, I’m unlikely to invest in the hotel I stay at, the online website I book my experience on, or the airline I fly with. Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Nov. 30, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Nov. 30, 2025 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 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 Pace at the Ritz Carlton in Ireland. Photo by Marie Commiskey. Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Clean Energy Unplugged. Tesla Sales Slump in 2Q 2025. 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. 21st Century Recessions Look More Like Depressions. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? Top Dividend/Income Strategies for 2025. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Image by MetaAI. Save Thousands Annually on Health Insurance and Medical Care. The high cost of health insurance is making headlines again. While inflation has been a major problem since the pandemic, the rising rate of medical care and medical insurance has been a crisis for more than a decade. Health care debt is the biggest reason cited for personal bankruptcy filings, according to many experts. This blog provides resources, tips and strategies to save thousands annually on our healthcare premiums, receive a tax deduction, invest for tax-free capital gains, and all while promoting greater health.  As you can see in the chart above, according to the Center on Budget and Policy Priorities, the average 40-year-old is spending about $644/month on her health insurance premium cost. That’s $7,728 every year. According to the CDC, $4.9 trillion is spent annually on healthcare (with a projected $5.3 trillion in 2024). 90% of the expenditures are on people with chronic and mental health conditions. At 18% of GDP, the US spends more on healthcare than any other nation in the world, with worse outcomes than other developed world countries. According to multiple sources, the US has the lowest life expectancy, the highest rate of preventable and treatable deaths, the highest infant mortality rate, and the highest, chronic disease burden, combined with an obesity rate that is twice the OECD average. While these facts are startling and horrifying, there are remedies that will promote greater health and strategies that reduce the amount that we must spend on health insurance. Getting more informed about our options can result in a higher FICO score and lasting personal wealth, in addition to longevity. Here are the things I’ll cover in this blog. The High Cost of Health Insurance and Healthcare Health Savings Accounts Nutrient-Dense Food Student Gardens Community Gardens Fast Food, Obesity and Disease And here is more information on each one of these topics. The High Cost of Health Insurance and Healthcare $7,728/year is a lot of money. For families, the cost can be even more. At the same time, if we don’t have health insurance and we end up having to go to the hospital that could bankrupt us. There is a way to lower premium costs, while keeping coverage – with an option that is not advertised very often in the mainstream media – the Health Savings Account (see below). A lot of people are under the impression that their employer pays for their health insurance. It is more common for an employer to sponsor the health insurance program and contribute to it but not pay the entire amount. Most of the time our cost comes out of our paycheck and goes directly to the insurance company. So, it’s very important to check our W-2 statement to see how much we might be spending. Once we have a greater understanding of the bills we’re paying without knowing it, we can start keeping more of that money with more-informed choices. One of the easiest ways to stop making the health insurance company rich at our own expense is to open a health savings account. Health Savings Accounts If we are healthy and spending an arm and a leg on health insurance, purchasing a very high-deductible health insurance plan with a Health Savings Account: * Could save us thousands of dollars every year, * Offers a triple tax advantage (tax-deductible contributions, tax-free growth and tax-free withdrawals) * Is the best long-term health care plan – something we can keep into retirement and can will to our heirs. Health savings accounts work alongside a high-deductible health insurance plan to lower the premiums – but to also start building up our own personal wealth, which can be used to cover the higher deductible and out-of-pocket expenses. Many HSA owners save thousands, some even tens of thousands, annually in health insurance premiums. HSAs work better for healthy people who are committed to building up the assets in their HSA. After we have a couple of years’ worth of total out-of-pocket expenses, we might consider investing for growing and compounding our gains. Learn more in the Congress.gov report or email [email protected]. The HSA works best when we treat it as a way to build long-term wealth rather than something we dip into every time we go to the doctor. Another tip is that I like to establish my HSA at a brokerage, where I have more options for investing than might be offered through the employer or the health insurance company. Nutrient-Dense Food Exercising and eating right is a well-known mantra for health. However, eating right also requires understanding the difference between empty calories and nutrient-dense food. As one example, the U.S. recently announced plans to phase out the petroleum-based color dies that are rampant in a lot of the packaged foods, including chips, mac & cheese, sports drinks and candy. According to HHS Secretary Robert F. Kennedy, Jr. “These poisonous compounds offer no nutritional benefit and pose real, measurable dangers to our children’s health and development.” There has been a plethora of studies that have shown that regeneratively grown organic food is nutrient-dense, without the toxic chemicals (pesticides, herbicides and other inputs) that are commonly used for growing conventionally. Studies have found links between insecticides and Diabetes 2, obesity and even autism. Some people worry about the higher cost of regeneratively grown organic food. However, if we factor in the amount spent on health insurance and healthcare, investing in food as preventive medicine could be a smart, lucrative strategy. Healthy individuals pay lower premiums for healthcare coverage. Health is the best health insurance. Another way to lower the costs of eating fresh, nutritious produce is to join a community garden. (Good Neighbor Gardens is a nonprofit in San Diego that will do this for you.) If we want to promote health in the next generation, we can start by improving the nutrition in our school lunches. Student Gardens Green Our Planet hosts the largest student-run farmers market in the United States every year in Las Vegas. That organization helps schools to save water by eliminating the carpet of grass and uses crowdfunding to cover the cost of planting student gardens. The Edible Schoolyard, founded by Alice Waters in Berkeley, California, has great garden and composting curriculum for schools. Damers First School in Poundbury, England does all of this and more, using the proceeds of their student gardens, compost and beeswax cling film products to fund their own nature garden and power their school with solar. Around the world, we’re seeing parents, teachers and administrators come together to make learning more fun and meals more nutritious and delicious. (While on a tour of The Edible Schoolyard in Berkeley, the tween student tour guide told me her favorite snack was kale pesto.) As Dr. Sherridan Ross, the founder of the Compton Community Garden, is fond of saying, “Kids love eating fresh vegetables that they grow.” Learn more about these success stories in the Eco Kids episode of the Earth Gratitude docuseries at EarthGratitude.org.  Community Gardens Ron Finley quite famously planted his own Garden of Eden in the verge between the sidewalk and the street in South Central LA. Finley, like some urban dwellers, lives in a community rife with fast food joints and dialysis clinics, while a fresh tomato can’t be found for miles. Compton Community Gardens has free gardening classes taught by a master gardener (Dr. Sherridan Ross) and offers garden plots for a small semi-annual fee. The Compton fire department has a few garden beds there. The executive directors harvest a few beds for gleaning and food distribution to individuals in need. Getting master gardening tips from Dr. Sherridan Ross is priceless. Click to check out a few of his tips on the Earth Gratitude Instagram account.  Fast Food, Obesity and Disease Fast food has a lot of empty calories and trans fats. According to the CDC, there is no level of trans fat that is good for us. Fast food has been linked to an increase in cardiovascular disease, Diabetes 2 and obesity. Organically grown and ripened food that is eaten in season tastes better, in addition to being better for us (after we kick the sugar/salt addiction that is common in fast food). The money we think we’re saving by eating on the cheap is costing us in health insurance premiums, poor health, more visits to the doctor, pharmaceuticals, and weight loss jabs. When it comes to our health, it doesn’t pay to be penny wise and pound foolish. Bottom Line Healthy Americans can save thousands annually on health insurance premiums by getting a high-deductible plan with their own health savings account. I only wish more people knew about this. (Gary S. Becker was the one who apprised me of this over two decades ago.) Most of us are aware of the time-proven trope, “Eat right and exercise.” However, how many of us are aware of that eating right is not just about eating our fruits and veggies, but really leaning into regeneratively-grown agriculture, which has so many benefits that outweigh the additional expense. For those of us who can’t afford an extra dime on food, growing our own can be far more affordable than buying conventional food in a grocery store. Kids love learning about science outside in their own garden and writing about it (language arts). Big kids, adults, who save thousands or tens of thousands annually in their budget (by choosing a health savings account with a high deductible health insurance plan and leaning into a lifestyle that supports physical fitness), are going to be leaping for joy at being able to spend thousands each year on something they love a lot more than going to the dentist or the doctor, or watching a significant portion of their paycheck get siphoned over to their health insurance company. One more thing. The high costs of health insurance and medical care are not the only things that are breaking the budget. Unaffordable housing, student loan debt, transportation costs and higher food and gasoline prices are also oppressing many wallets – particularly of anyone under the age of 40. Waiting for our leaders and politicians to fix things hasn’t been working. If we want to exit the rat race and start thriving again, we must get very creative. As a young single mother, I had to live my way into answers for a budget that didn’t add up. Twenty years later, those solutions are still working. I outline them in my book, The ABCs of Money, 6th edition. I also have a complimentary Thrive Budget videocoaching series on https://www.youtube.com/nataliepace. There you’ll find coaching on Debt Reduction, Prosperity & Abundance and How to Live More Sustainably. Email [email protected] for additional information. Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Nov. 30, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Nov. 30, 2025 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 the best price, the best room and four private, prosperity coaching sessions. There are only 7 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 Pace with her son on Good Morning America discussing housing solutions. Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest The S&P500 Has Doubled Over the Last 5 Years. Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Clean Energy Unplugged. Tesla Sales Slump in 2Q 2025. 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. 21st Century Recessions Look More Like Depressions. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? Top Dividend/Income Strategies for 2025. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  The S&P500 Doubled Over the Last Five Years. How well did your portfolio do? Do you know why you did better or worse than the index? We’re happy to report that our emphasis on the Magnificent 7, artificial intelligence, silver, copper, crypto and international funds has paid off far better than the S&P500, while our fixed-income, safe strategies have been earning a market yield without paper losses. For years. See the chart below for details.  FYI: I’m interviewing Rob McEwen, the Chief Owner and Chairman of McEwen Mining and McEwen Copper and Kelley Wright, the managing director of Investment Quality Trends, a leading Blue Chip newsletter, next week. Email [email protected] for information on how you can join us live, or visit https://www.youtube.com/nataliepace or https://nataliepace.substack.com/ to watch or listen to the interviews in their entirety, once they are published. Below are the things I’ll cover in this blog. Wall Street is On Fire, But in Elite Areas Only Gold and Silver Miners Why Silver Over Gold in 2025? What About 2026? The Magnificent 7 and AI Copper and Peru (not Chile) Value Replacement Funds S&P500, Not DJIA Underweight U.S. Credit Risk Valuations and Volatility Rebalance to Capture Gains And here is more information on each topic. Wall Street is On Fire, But in Elite Areas Only As you can see from the chart above, the S&P500 has doubled over the past five years. Silver & Peru are shining even brighter than the Magnificent 7. If you don’t have large cap growth, technology, safe havens, or artificial intelligence, then your portfolio likely did less than the S&P500 performance and might have lost money. As you can see in the chart below, the Vanguard 2030 Target Date Retirement Fund spent most of the last five years in the red and is still worth less than it was in Nov. 2021. (Let’s talk about better options for your employer-sponsored retirement fund. Email [email protected])  source: MSN.com. (c) Microsoft. Used with permission. The U.S. is experiencing a K-shaped economy, where those at the top are living the rich life and those at the bottom are in serious trouble. Likewise, Wall Street is bifurcated between safe havens, AI, copper and the Magnificent 7, and the distressed or underperforming industries of commercial real estate, health care, energy and consumer staples. Are you aware that over half of the S&P500 is at or near junk bond status, including a lot of banks? Many of the weaker industries are concentrated in U.S.-based income-producing value funds, which is why we have been using value replacement funds (for years) in our sample pie charts. Peru has been our mid cap value replacement choice since October of 2021. Over that 4-year period, the iShares Peru ETF (symbol: EPU) has doubled. Silver, the Magnificent 7, AI and Cybersecurity have been among our hot slice choices. Even clean energy (symbol: ICLN), which many people had thought was out of favor, has gained 52% year to date. Bitcoin was the 2024 Investment of the Year, and has been on fire since 2023, but has had more muted performance in 2025. in fact, if history is true to form, we could hit a Crypto Winter between now and spring of 2026. (Rebalancing 1-3 times a year to capture gains and keep a diversified, age-appropriate portfolio in play is a very important part of our easy pie chart strategy.) Be sure to read my Investment of the Year blog for additional information. Learn more about rebalancing in my Rebalancing IQ Test blog. Now, with stocks at an all-time high, is a great time to rebalance, to capture gains and to make sure that we have exposure to the hottest areas on Wall Street, while underweighting the weakest performers. As importantly, we must know how to avoid paper losses and earn some income safely, while keeping a percentage equal to our age (or more) intact. This is simply the life math that we all should have received in high school, which we aim to make easy and actionable in our work. So, how can you navigate the divergences we’re experiencing in the economy? Getting safe, protected, hot and diversified is much easier than you might think. While a lot of research and analysis goes into the design of our sample pie charts, we do the heavy lifting to make things simple for our retreat attendees and Main Street coaching clients. When we know what to underweight and how to lean into strength, we can enjoy the best that Wall Street has to offer and earn income safely, without the paper losses and underperformance that are commonly seen in managed portfolios and 401Ks. Our wealth will be protected from a recession or from stocks losing value. Gold and Silver Miners Silver had quite a year in 2025, while gold has been in favor since the pandemic. The mining companies, which had been left behind in the precious metals rally, really came roaring forward this year with exponential performance. RING (the iShares MSCI Global Gold Miners ETF) is up 118% in 2025, while the silver miner ETF (symbol: SLVP) is up 122%. Targeted ETFs are a great option if you want to skirt the volatility of owning an individual company. Most Main Street investors don’t have the time or expertise to compete with Wall Street analysts and hedge funds. While First Majestic Silver and McEwen Mining have also doubled in share price this year, individual companies tend to be more volatile. Why Silver Over Gold in 2025? What About 2026? For the past few years, we have been leaning into silver because silver was still trading at a better price, which we assumed would give it more upside potential. With silver hitting a new all-time high, will investors continue to prefer silver to gold? It is possible that will continue to be the case because the price point for silver is so much lower. Anyone who wants to purchase coins might find the more affordable silver coins attractive. One of the reasons that I singled out First Majestic Silver in my June 2025 blog was that they also mint their own coins. They will even customize the coin for their customers (with a minimum order amount). I prefer investing in funds rather than the coins for many reasons. (I outline the reasons in The ABCs of Money, 6th edition.) One of the most important is that if we have our own self-directed retirement account (particularly a Roth IRA), then it’s a great idea to put our highest performing investments, including the gold, silverm Bitcoin or Ethereum funds, within that account to avoid capital gains taxes. There are other advantages too, so I do encourage you to read up on the safe havens in my books and blogs and to learn more at our Financial Freedom Retreat. The Magnificent 7 and AI The performance of the Magnificent 7 has been responsible for Wall Street’s strength over the last five years. Investors from around the world are piling into U.S. AI and technology equities. Additionally, the multi trillion-dollar technology companies are investing in data centers, which is helping to push U.S. GDP above expectations, to an anticipated 2.0% in 2025 (source: IMF). Conservative investors could easily have missed out on the rally because those type of plans typically hold value, not growth. (Even more concerning, there’s a great deal of risk in the conservative investments, where we might be lured in with pie-in-the-sky promises of earning income, while being patted on the shoulder and told not to worry about all those paper losses, which are typically far more problematic than we are being advised.) A diversified plan should include growth, income, protection, and hot industries. The best protection we can have against a stock downturn isn’t market timing or avoiding stocks. It’s having the right amount safe, and potentially overweighting safe, while knowing what is safe in a Debt World where there is a lot of credit and duration risk. We teach this at our Financial Freedom Retreats. The next one is January 17-19, 2026. Register before November 30, 2025, during our early bird pricing period. Copper and Peru (not Chile) Copper, which is essential for a great deal of our energy needs including electric vehicles and power transmission, is enjoying a period of great strength. As you can see in the chart above, Peru, the second largest exporter of copper in the world, has been one of the best performers on Wall Street this year, with gains of 56%. Peru has been our mid value replacement since 2021. In addition to offering higher GDP growth and lower debt to GDP than the U.S., the Peru ETF (symbol: EPU) often has a dividend yield that is double a comparable U.S. mid cap value fund. The current yield is 3.50%. Value Replacement Funds We have been using value replacement funds in our nest egg, for better performance, diversification, sometimes lower risk and often double the yield. The countries that we have been most interested in typically have higher GDP growth with lower debt to GDP than the U.S. The story of the goods they provide the world is also in favor. Peru is one example of this, with general government debt to GDP of 31% (compared to the U.S.’ 121%) and expectations of 2.9% GDP growth in 2025 (compared to 2.0% in the U.S.). We have also been leaning into Australia, Ireland, and Indonesia. Click on the blue highlighted words to read blogs on each of these countries. What’s hot and what’s safe can change every year, as we enter a new phase of the business cycle. So, it is key to do our 1-3 times a year rebalancing and to have a reliable source of analysis to determine which equities and fixed-income products are in favor and which we should underweight, particularly in today’s world with such unprecedented high debt. S&P500, Not DJIA The S&P500 has been outperforming the Dow Jones Industrial Average, as you can see in the chart above. Why is that the case? One of the reasons is that the S&P 500 includes all seven of the Magnificent 7 companies. Another is that the 30-component Dow Jones Industrial Average still has a great deal of the most heavily indebted slow growth companies in it. The index includes Boeing and 3M (a diversified chemical company that has agreed to pay billions in settlements for allegedly polluting water with forever chemicals). If we are only contributing to our employer-based retirement account, we might have very limited options for investing, unless we have a self-directed option. It’s always a good idea to have a personal Roth IRA, in addition to whatever retirement account we have at our employer. With our personal, self-directed plan, we have a lot more freedom of choice in what we invest in. I offer solutions for how all these plans work together (including, potentially, a health savings plan) in my private coaching and also in the Q&A portion of the Financial Freedom Retreat. Underweight U.S. Credit Risk The lowest performing industries on the sector report card at the top of this blog have a few things in common. Most of them are heavily indebted with slow growth. While many of us are aware of the U.S. public debt at $38.1 trillion, few might be informed that the total debt and loans in the United States are an eyepopping $104.1 trillion. These unprecedented levels of debt are more than double what they were before the Great Recession, during the Financial Crisis.  Central banks around the world are trying to manage these indentures and cycle through them in a long and determined way by 1) extending duration on many fixed income products, and 2) lowering interest rates, which makes it easier for these beleaguered companies to keep borrowing from Peter to pay Paul, instead of restructuring. In a normal world without all this financial engineering, a great deal of these companies would have already gone through bankruptcies and debt restructuring, such as happened in the Great Recession and the Dot Com Recession before that. Inflation is the bug in the ointment that is making the RX more complicated. Credit and duration risks lie at the heart of why so many bond funds, bonds, and treasury markets around the world are suffering from paper losses and experiencing liquidity challenges. We’re happy to report that those who are employing our fixed income and safe strategy are not suffering from paper losses and are earning a competitive market yield without the credit and duration risks that are abundant in the fixed-income marketplace. If you’re being offered an investment that is double what the Fed Fund Rate is, you could be sold into a scam or scheme. Ask yourself, “Why would a company want to borrow from me at double what they would pay a bank if they were in good standing?” The higher the dividend, the higher the risk. We covered all of this and more in our Bond and Fixed Income Without Paper Losses Masterclass in mid-October. We also spend one full day on what’s safe at the Financial Freedom Retreat. Receive access to the Bond Masterclass recording when you register for the New Year New You Retreat. (Be sure to ask for your free gift.) Email [email protected] to learn more and register now. Click to learn the 15+ life math strategies that you will master and to read real world testimonials. Valuations and Volatility By many measures, equities are quite elevated. Warren Buffett has often warned investors that when stock prices are this high, they are playing with fire. Indeed, the only time stock prices were higher than they are today (based on the CAPE ratio) was in 2000, before the Dot Com Recession. The NASDAQ Composite Index lost -78% in that recession and took 15 years to recover.  The CAPE Ratio. Professor Robert Shiller. Yale.edu. High valuations increase volatility. In April of this year, when the S&P500 dropped -20%, you could have purchased Nvidia for $87/share. (Today, Nov. 7, 2025, Nvidia closed at $188.15/share.) The Magnificent 7 stocks were the ones that were leading the market down in April. Check out how far they fell in the seven-week period between February 19 and April 8, 2025. (Keeping an age-appropriate plan in place through regular rebalancing and capturing gains is our best protection against a downturn in stocks.)  Yes, the stocks have more than recovered since April, but that is not guaranteed to be the case going forward. Recessions are a normal part of a business cycle. Rebalancing to Capture Gains Rebalancing 1-3 times a year is one of the best ways to manage the volatility. If we’re capturing gains when stocks hit all-time highs, we are keeping that wealth and then have a treasure trove of income-producing capital to buy low, when the markets fall. Most people don’t buy low because they can’t buy low, or because they’re too afraid. At the same time, keeping a percentage equal to our age off the Wall Street rollercoaster, and overweighting more safe if we have good reason to, ensures that our wealth remains intact. This is always an important part of a well-designed plan, but even more so as we get closer to retirement. Having an age-appropriate, diversified plan that protects us from downturns provides us with the confidence and the capital to do what the pros do – to stay on the right side of the trade and keep our estate intact. Bottom Line We are exceedingly happy that so many of our strategies are performing at the top of Wall Street. This is not a happy accident, or luck. We remain vigilant about analyzing what is coming up on the horizon to make sure that we those people who are reading our blogs, listening to our videoconferences and attending our retreats, are informed with easy, actionable strategies that can outperform any market, whether stocks go up or down. Join us! Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Nov. 30, 2025 to receive the best price. Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Nov. 30, 2025 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 the best price, the best room and four private, prosperity coaching sessions. There are only 7 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Clean Energy Unplugged. Tesla Sales Slump in 2Q 2025. 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. 21st Century Recessions Look More Like Depressions. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? Top Dividend/Income Strategies for 2025. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Bank Stress. Loan Fraud. Airline and Auto Bankruptcies. Augurs of a Recession? “I probably shouldn’t say this, but when you see one cockroach, there are probably more. And so we should—everyone should be forewarned on this one,” Jamie Dimon, CEO and chairman, JPMorgan, 3Q earnings call on Oct. 15, 2025 In the above quote, Jamie Dimon was answering an analyst’s question on non-depository financial institutions and the bankruptcies of the auto companies Tricolor and First Brands. As proof of the cockroach theory, on the same day, Zions Bank reported a $50 million charge-off for commercial real estate loans the bank made where the CRE borrower has been accused of misrepresentations, contractual defaults and other irregularities (fraud). Verijet and Spirit Airlines also declared bankruptcy over the last few months. Are these signs of stress that are at odds with Wall Street ringing in new highs every day? Is it time to take a more defensive position? Email [email protected] if you’d like updated Auto, Airlines. Fintech and Bank Stock Report Cards. Here are the topics we will cover in this blog. Auto Industry Airline Industry Elevated Consumer Debt Buy Now, Pay Later The Kids’ Menu Bank and NDFI Debt & Leverage Recession Warnings? And here is more information on each point. Auto Industry The auto and airlines industries are often the canary in a coal mine before a contraction. When Main Street finds its wallet bare and cuts back on spending, Wall Street takes a hit. Why? Because the US economy is driven about 70% by consumer spending. The auto industry is expecting far fewer sales in 2026, perhaps -5% lower than 2025. This isn’t tragic. However, due to fierce competition, particularly from EV makers (especially Chinese), many companies are absorbing the components inflation and White House tariffs instead of passing these expenses onto the buyer. Higher costs will reduce the net profit of automakers, taking some of them from single-digit profitability into a cash negative position. According to a press release from S&P Global on 10.15.2025, “Among major automakers, Ford Motor Co. and General Motors Co. (GM) continue to face the highest exposure to incremental costs from supply chain shifts due to tariffs and delayed EV profitability; Tesla Inc. benefits from vertical integration but contends with slowing global demand and margin compression.” As I mentioned in my Magnificent 7 blog (Tesla is one of the Magnificent 7), Tesla’s net profit might be $4-5 billion this year, down from $15 billion in 2023. Should a company with less than $5 billion in earnings be worth $1.5 trillion – more than the top 4 automakers combined (Toyota, GM, Ford & BYD)? The recent spate of bankruptcies by auto parts, suppliers and auto dealers reveals a fundamental weakness in a great deal of publicly-traded companies, particularly those founded more than 25 years ago. Over half of the S&P 500 is at or near junk bond status. There is elevated credit risk in the auto industry. All the companies in the Auto Dealers Stock Report Card are below investment grade. The three major US auto makers, Ford, General Motors and Tesla, are all at the lowest rung of investment grade. Ford Motor Company was a junk bond in 2023 and has a negative outlook. Bankruptcies ripple beyond the insurance companies, banks and other non-depository financial institutions (private equity, hedge funds) who loan the troubled companies money. A downgrade would cause financial harm to both stockholders and bondholders. Stock investors almost always lose all their money when a company declares bankruptcy, even if the company continues operating. Elevated debt is a major problem that will affect any industry and corporation that is heavily leveraged. The first sectors to be affected will be those that are losing revenue year over year and are unable to keep up their dividends and loan payments or to meet the terms of their bonds. This is partially why the airline industry is another harbinger of a weakening economy. Airline Industry Airline CEOs have to specialize in restructuring debt because that industry goes through tough times in every recession. Most of the airlines are junk bonds, with the exception of Delta and Southwest, which are both rated BBB (the lowest rung of investment grade). Profitability for airlines can be in the low single digits or negative, as it is for JetBlue. Revenue is slowing down, which puts the C-suite in a pickle, trying to keep up with all their debt obligations. Only Delta and Southwest pay a dividend. However, if either company receives a credit downgrade, or, even before that happens, if the cash becomes squeezed, the company will cut their dividend and the share price will gap down overnight. The dividend cut or other event often happens before the credit is downgraded. One example of a company defying the odds of a downgrade is Boeing, which is still one of the Dow components. Even though Boeing has been a poster child for poorly run operations and cut its dividend on March 20, 2020, the company is still rated investment grade (barely), with a BBB- credit rating, and a negative outlook. Elevated Consumer Debt Consumer debt is much higher than it was before the great recession. We’ve also seen a major uptick in student loan delinquencies – to 12.88% – which sinks FICO scores and makes it less possible for those affected to buy a new house or car. Auto loan debt delinquencies are still low, at 2.93%. However, the rate is ticking up.  Source: New York Federal Reserve Bank. Buy Now, Pay Later Bye now pay later loans have created a shadow debt system that might be flying under the radar of credit scores. In a Lending Tree survey, 41% of BNPL borrowers paid late in the past year, a spike over last year’s rate of 34%. 23% reported having three or more active loans at a time and 25% are using the loans for groceries (1/3 of GenZ BNPL borrowers). Not surprisingly, the personal savings rate is lower today than it has been since 1960 (with the exception of 2005, after the Dot Com Recession). What is the personal savings rate? It is what is left over after you pay all of your bills (including debt payments).  The Kids’ Menu This is more anecdotal, than scientific. However, it makes the numbers come to life. Over the last week I have witnessed two separate examples of adults ordering off the kids’ menu because they couldn’t afford the adult prices. This is saying a lot about how squeezed many Americans are (particularly GenZ). There has been a lot of research about how the wealthiest consumers are the ones who are keeping spending alive these days. According to Mark Zandi, the chief economist of Moody’s Analytics, the delinquency rate on subprime loans jumped to 8.3% in September. This is only 15.3% of bank debt, but is likely much more for the BNPL fintechs like Affirm, Klarna, Paypal and Square, and Sofi Bank. This is one of the reasons why investors and depositors need to understand what’s safe in today’s Debt World. Read my 2026 Dividend and Income Strategies blog for details. As long as stocks are high, wealthy Americans might continue to keep consumer spending alive. However, we have seen that when share prices are elevated and bankruptcies and delinquencies start becoming more frequent, stock prices can fall far and fast. Remember that our best protection against a bear market isn’t selling everything and trying to market time. The best protection against a correction in stocks is having an age-appropriate, properly diversified plan. Do you know how protected you are currently? Are you suffering from paper losses or feel constrained by the limited options you have in your employer-sponsored retirement plan? There are solutions. Email [email protected] to learn more. Bank and NDFI Debt & Leverage Many people aren’t aware that a lot of our banks, insurance companies and fintechs have low credit ratings. Additionally, insurance companies and fintechs (including Paypal, Cash App, Gemini, stablecoins and more) are not FDIC-insured. Check out the credit ratings of many U.S., Australian and Canadian banks listed below.  This is one of the reasons why it is a bad idea to have uninsured deposits at any bank. It’s also one of the biggest reasons why annuities and money market funds are not great bets. They are not FDIC-insured but are only backed by the company that’s offering them. MMFs and annuities can also lose value in a variety of different ways. During recessions, we have seen money market funds that break the buck and have to be bailed out, and insurance companies that were overleveraged and had to be rescued. AIG would not be in business if we hadn’t done the TARP bailout in 2008. That would mean that over 50 million Americans with annuity and insurance products would’ve lost the majority of what they thought they had coming to them. So, why is the broker/salesman pushing their products? Could it be for the commissions? Annuities often pay 6-9% commission for the sale. Recession Warnings? Economists are predicting the economy to slow down to 1.6% in 2025 and 1.8% in 2026. (We’ll get fresh numbers at the Dec. 10, 2025, FOMC meeting.) However, economists are terrible at predicting recessions. If you wait for the headlines, you’ll be late. By the time Main Street gets the memo of the recession, the Wall Street whales have been taking profits for 6+ months, plunging prices by 35% or more. Again, having an age-appropriate, properly diversified plan that we rebalance 1-3 times a year is always important. If you haven’t rebalanced recently, now that stocks are at all-time highs is a great time to do so. Bottom Line We are starting to see signs of the unfortunate events that typically spark a bear market and/or a recession. Remember, it’s never a crash. Rather something startling will happen causing the market to drop significantly. After the initial shock, investors get complacent, until the next crisis occurs, pushing stocks down further. By the time the recession is declared stocks could have lost 40-45%. We might be closer to the bottom. Many investors sell low, or have to spend most of the recovery hoping to earn back losses, enduring an extended period of hard times after such a significant loss to their net worth. This is something that seasoned investors haven’t experienced since 2009, and younger investors have never experienced. That is because we printed up $5 trillion to avert a recession during the pandemic, due to the economists and Central bankers worrying about having a depression. The powers that be never desire to have a recession on their watch. However, if the 2025 bankruptcies and defaults continue into the new year, if those cockroaches that Jamie Dimon referred to do start coming out of the woodwork, we will see Wall Street react negatively. Again, we want to be ahead of the headlines – to fix the roof while the sun is still shining (and stocks are at all-time highs). Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Halloween (10.31.2025) to receive the best price and a complimentary, private prosperity coaching session (value $400). Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Halloween, Oct. 31, 2025 to Receive the best price and a complimentary, private prosperity coaching session (value $400).  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 7 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Clean Energy Unplugged. Tesla Sales Slump in 2Q 2025. 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. 21st Century Recessions Look More Like Depressions. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? Top Dividend/Income Strategies for 2025. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Top Dividend (Income) Strategies for 2026 Everyone wants to earn income. However, with interest rates getting cut, so goes our dividend. C.D.’s are being called. Yield is going down. Where does the investor turn for the safe side of their wealth plan? Crypto, gold and the Magnificent 7 have offered explosive share price gains over the last three years. However, these investments come with a great deal of volatility, with few or no dividends. As just one example, we could have purchased Nvidia at $94/share on April 8, 2025, when the S&P500 was down -20% from the Feb. 2025 highs. In 2022, when the S&P500 lost -19.44%, many of the Magnificent 7 companies were down by half or more. This has a lot to do with expensive share prices. The companies are the new blue chips. However, should a company that might only earn $5 billion in net income in 2025 be worth $1.46 trillion (Tesla)?  It’s always important to have a percentage equal to our age safe from the Wall Street roller-coaster – invested in assets that can offer an income without risking our principal. However, has the word “income” become bait for risky investments that lose a chunk of our money almost the instant we purchase them? Are you worried that we’re living in a Debt World, unsure of what the consequences might be? Are you tempted or seduced by the idea of earning a 10% yield? What are paper losses? Does it all wash out in the end, since yields rise when share prices fall, or is that just another sales pitch? FYI: We just hosted our annual Fixed Income and Bonds Without Paper Losses Masterclass. Receive access to the recording (value $695) when you register for our New Year New You Financial Freedom Retreat by Halloween (10.31.2025), or purchase a 12-month all-access pass, good for 3-4 retreats and 3-4 master classes in 2026. You’ll also receive the best price and a complimentary 50-minute private, prosperity coaching session. Email [email protected] to learn more and register now. Here are the topics we’ll discuss in this blog. Corporate Bonds Treasury Bills Certificates of Deposit High-Yield Savings Accounts Money Market Funds FDIC-Insured Cash at a Brokerage or Fintech Stablecoins Gold Crypto Here are more tips to keep in mind The Rising Yield, Sinking Stock Myth No Blind Faith: Read the Fine Print Keep the Terms Short and the Creditworthiness High Never Reach for Yield Underweight Bond Funds and Money Market Funds Rolling Maturity Dates & FDIC Limits And here is more information on each item. Corporate Bonds The mantra for all fixed-income products is: Keep the terms short and the creditworthiness high. (The additional tips listed below are also key.) Investing in a short-term corporate bond issued by a company with a AAA or AA credit rating in the secondary market could be one alternative to consider, particularly when our C.D.s are called in. With two more 25-basis point cuts expected in 2025 and one in 2026, banks will continue offering below-market interest rates, or calling in the C.D.s that we thought we had locked in. In our masterclass, we found a 5-year Microsoft (AAA) bond, due 9.30.2030, that was offering a yield to maturity rate of 3.7%. As you can see in the Fixed Income Offering graph below (from 10.17.2025), that is a competitive short-term yield.  Data from 10.17.2025. With interest rates expected to be cut to the 3.50-3.75% range in 2025 and 3.25-3.50% range in 2026 (3.0% longer run), high-rated, short-term corporate bonds in the secondary market are one way to lock in a competitive income, while mitigating risk. Treasury Bills Are you being told to just buy Treasury bills when you Certificate of Deposit gets called? Are you aware that there have been liquidity issues in the T-Bill marketplace, or that long-term government bonds lost -26% in 2022 and another -6.415 in 2024? Long-term government bonds were some of the worst performing assets in 2022. So, this offers us a stark reminder that we should not put all our money in Treasury bills, particularly mid and long-term. In September 2022, investors were spooked about the level of debt in the U.K., causing a crisis in their gilts (treasuries). Almost overnight, pension funds were on the brink of collapse (much like the 5 U.S. banks that failed in March of 2023). The Central Bank stepped in for the rescue (in both scenarios). In addition to keeping the terms short and the creditworthiness high, diversify across fixed-income products, rather than putting all of our eggs in T-bills. Certificates of Deposit Many, but not all, C.D.s offer FDIC insurance, adding a level of security. Some C.D.s are not FDIC-insured, so we always want to read the fine print and know what the terms are. With the 2025 interest rate cuts, C.D.s are getting called in. With more cuts expected, trying to lock in a short-term, market-yielding C.D. will continue to be an exercise in futility. What’s hot and what’s safe change every year, which is why it is important to get updated on the areas of opportunity, as well as be forewarned about the money pits, on a regular basis. Our next Financial Freedom Retreat is Jan. 17-19, 2026, ONLINE. Register by Halloween and receive the best price and a complimentary, private prosperity coaching session (value $400), and access to the Fixed Income Masterclass of Oct. 18, 2025. High-Yield Savings Accounts “High-Yield” is false advertising. Many companies that offer these products give just a few tenths of a percent more than the market yield. Additionally, we might be taking on more risk than we realize. What are the additional risks? Many high-yield saving accounts are offered by fintechs, stablecoins or brokerages that are not FDIC-insured. We’ll talk more about those financial services companies below. Money Market Funds Money market funds are not FDIC-insured. All funds, including MMFs, can go down in value. As interest rates get cut, the income you earn in the money market fund goes down automatically. Finally, money market funds are vulnerable to investor runs. As such, they often get into trouble in recessions. A lot of MMFs were bailed out in the Great Recession. However, there is no guarantee that they will be rescued in the next one. FDIC-Insured Cash at a Brokerage or Fintech Many fintechs and brokerages have a relationship with a bank and offer FDIC-insured cash through that relationship. However, it is important to remember that only banks are FDIC-insured. If the brokerage, stablecoin or fintech fails, the FDIC insurance does not kick in. As cautionary tales, depositors had their assets frozen and/or a good deal lost money, during the bankruptcies or crises of Blockfi, FTX, Gemini Earn and Voyager Digital in 2022, and the Synapse and Yotta failures in 2024. PayPal, Coinbase, and Cash.App are all fintechs that are not FDIC-insured. It’s always important to read the fine print before you invest in anything – even if the marketing copy offers assurances that put you at ease. (We’ve seen some egregious claims, outlined later in this blog.) Stablecoins Stablecoins are not government insured. They can go down in value. We have seen stablecoins that have outright failed, some due to an implosion of the assets they were backed by and others by hacking events. TerraUSD is one of the most notorious. However, there have been hundreds of de-pegging incidences, not counting the rampant crypto scams. (More than $16 billion was lost to Internet crimes in 2024, up 33% from 2023.) The 2025 Genius Act, which was passed on July 4, 2025, requires a 1-1 reserve in cash, short-term T-bills, REPOs and other named cash equivalents for stablecoins. Yet there are still ways that a stablecoin can run into trouble. Circle’s USDC stablecoin didn’t collapse, but it did break the buck in March of 2023. The coin experienced a liquidity crisis when Silicon Valley Bank collapsed. Why? Circle reportedly had $5 billion in uninsured deposits at the bank. When the FDIC and the Federal Reserve stepped in to guarantee uninsured depositors on March 12, 2023, Circle’s depositors were reassured. Today, the USDC stablecoin is the 2nd most popular, behind Tether’s USDT, with a market capitalization of $16.7 billion. Gold Gold is on fire. However, it is far more volatile than many people realize, and it doesn’t offer dividends. After the highs set in 2011, gold dropped -37% and stayed there until the pandemic. Most of us can’t afford to lose almost 40% of our wealth for a decade. So, I encourage you to read the Gold chapter of The ABCs of Money 6th edition. Because of the volatility, it’s a good idea to put our gold holdings on the “at-risk” side of our diversified wealth plan. I put it as a hot slice or two, which prompts me to capture gains at the high and add more when prices drop (if I believe it will rebound soon). If you would like to personalize your own pie chart using our free web app, email [email protected] with free apps in the subject line. I also offer an unbiased 2nd opinion on your current plan. Email [email protected] for pricing and information. Crypto Crypto, like gold, is thought of as a safe haven. However, the safe side of our wealth plan shouldn’t fluctuate as much as crypto does. In fact, crypto is still a trading platform, not a currency. Currencies are stable and reliable, whereas Bitcoin and other crypto assets experience steep, prolonged periods of devaluation. During the most recent Crypto Winter (2022), Bitcoin lost -67%, dropping from a high of $69,000 in 2021 to a low of under $15,000 in 2022. In early Oct. of 2025, Bitcoin was worth $126,000/coin and then plunged to $109,000 two weeks later – a drop of -13.5%. It is also important to realize that crypto, like gold and other perceived safe havens, don’t pay an income and are not federally insured. By allocating our crypto in the hot slices of the at-risk portion of our wealth plan, we are prompted to buy low and capture gains at the high – putting us on the right side of the trade of this volatile investment. Keep These Tips in Mind The Rising Yield, Sinking Stock Myth Broker-salesman and stock gurus will often tell their clients not to worry about losing money on their fixed-income products because either they will get it all back when it comes to term or the yield will rise, as the share price sinks. However, if the company or fund gets into trouble and must cut its dividend, the share price will experience a gap down overnight that is far more severe than any amount of income can make up for. If a company must declare bankruptcy before the term of its bond is met, the bondholders will get back far less than they had invested. These are only a few ways that the yield doesn’t make up for the loss of principal, which is why we’re encouraging the mantra, “Keep the terms short and the creditworthiness high.” Email [email protected] if you have any questions about this. No Blind Faith: Read the Fine Print In our bond masterclass of Oct. 18, 2025, I shared many examples of how the marketing copy of an investment can be a lie, while the fine print tells a completely different story – one that legally protects the company. One “defensively-positioned” product for “income-focused” individual investors claimed to have a “high-quality” portfolio. The fine print revealed that the managers invest in junk bonds and use leverage which “will magnify the potential for loss.” Once invested, individuals would have a difficult time selling their shares. It's equally important to read the fine print on our brokerage statement to verify that what we’re being told by our money manager matches the data on the statement itself. It is the fine print that is the legal document, not the conversation. There have been many examples of insurance and financial services companies getting fined by the SEC because their salespersons were misrepresenting the terms of the asset in order to secure the sale. I offer an unbiased 2nd opinion on your current plan. Email [email protected] for pricing and information. Now is a great time to know what you own and why, and to make necessary adjustments, while stocks are still close to an all-time high. Keep the Terms Short and the Creditworthiness High There are many reasons why we want to keep the terms short. Here are a few examples that I used in October’s Bond masterclass. What are the odds that Apple will get into trouble in the next two years? (very low) What are the odds that there might be a different smart phone in the next 25 years? (Are you aware that Samsung is the #1 smart phone maker by units and that Huawei replaced Apple as #2 in 2018?) Apple is back to #2 and is loved by its customers. However, remaining on top for decades is more difficult. What are the odds that Boeing or Ford might get into trouble over the next two years? (high) These two companies are rated at the lowest rung of investment grade – BBB- with a negative outlook. Ford was a junk bond before being bumped up to investment grade on Oct. 30, 2023. When a company gets a credit downgrade, the value of the bond goes down (a gap down). It might become illiquid. If the company has to restructure debt through a bankruptcy process, we’re going to lose some (or much) of our principal investment. Keeping the duration short and the creditworthiness high reduces the risk of these scenarios. Never Reach for Yield The higher the dividend, the higher the risk. Why would a company want to give you a 10% annual income, when creditworthy companies can borrow for under 5%? The above example of misleading marketing, where the truth was buried in the fine print, was offering 10.5% annualized… I mean 9.6% if you read the fine print. Why would a broker-salesman want to sell the product to his/her client? Could it be for the fees? (Annuities can pay up to 9% commission.) Keep in mind the saying of Will Rogers, “I’m more concerned with the return of my money than the return on my money.“ Underweight Bond Funds and Money Market Funds Many bond funds (and target date retirement funds) are losing money. Money market fund downsides were already mentioned above. Remember: the safe side of our plan is there to keep our wealth intact.  Source: MSN.com. (c) Microsoft. Used with permission. If you have a 401(k), and bond or MMF funds are the only choices on the safe side, there are a few strategies to consider. One is to contribute only to the employer match in your 401(k), while maxing out your individual retirement accounts, which offers a larger selection of options, including Treasury bills, bonds (not just funds) and C.D.s. Another would be to see if your employer-sponsored plan can be self-directed. If you’ve left the company, you can easily roll old employer-sponsored retirement accounts into an IRA, where you will have far more options on the fixed-income and the equity side. Rolling Maturity Dates & FDIC Limits Have rolling maturity dates, so that you have liquidity and access to your money. This is different from laddering. Also, observe FDIC-insured levels. While the uninsured deposits of Silicon Valley Bank were bailed out in March 2023 when the bank failed, that was a special exemption. There is no guarantee that there will be exceptions made in the future. When times get rough, buying opportunities abound, but only for those who have liquidity (not those caught on the wrong side of the trade). Rolling maturity dates and shorter durations ensure our ability to buy low, when most will not have the resources to take advantage of assets on sale. Bottom Line Getting safe in a Debt World, where the debt to GDP of wealthy nations has not been this high since the Napoleonic wars (with the exception of the pandemic) is tricky. Paper losses are far more problematic than we are being told. It isn’t difficult to earn a competitive income without paper losses, once we clearly understand the terms I’ve outlined above. (Time to learn the life math that we all should have received in high school.) There are many reasons why a financial representative might not be painting a clear picture of the risk vs. reward required for a safe and sober wealth plan. We must be the boss of our money because when times get tough, it is our money at risk. This time around, even the safe side is vulnerable. Since our inception in 1999, we have been offering fixed-income strategies with a competitive market yield and no paper losses. During the 15-year period after the Great Recession, when we weren’t getting paid to take on the risk (0% interest rates), we encouraged people to lean into income-producing real estate. Real estate more than doubled over that period, while offering the best and safest yield. (Not so today, as prices are too high and wipe out the cap rate.) There is always opportunity when we let wisdom, research and time-proven systems be our North Star. Register now to join us at our online Financial Freedom Retreat Jan. 17-19 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by Halloween (10.31.2025) to receive the best price and a complimentary, private prosperity coaching session (value $400). Email [email protected] to learn more and register now. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as cryptocurrency, Nvidia, artificial intelligence, and quantum computing, * Save thousands annually with smarter big-ticket choices * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by Halloween, Oct. 31, 2025 to Receive the best price and a complimentary, private prosperity coaching session (value $400).  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 7 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Will There Be a Santa Rally in 2025? Magnificent 7 Update. On Fire. Expensive. Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Clean Energy Unplugged. Tesla Sales Slump in 2Q 2025. 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. 21st Century Recessions Look More Like Depressions. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? Top Dividend/Income Strategies for 2025. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Will There Be a Santa Rally? Or was the September Rise the Highlight of the Year? Stocks are at an all-time high, making a lot of us feel comfortable, if not complacent, heading into the final quarter of the year. However, Santa Rallies are not guaranteed to be big winners. In 2008 and 2018, Santa put coal in investors’ stockings. Just three years ago, the S&P 500 lost -19.44%. The Magnificent 7 were some of the worst performers of that period, down by -50% or more, with Tesla plunging -67%.  You don’t even have to go back to 2022. In April, Nvidia sank to under $100/share.  Source: MSN.com (c) Microsoft. 2025. Used with permission. What’s causing the volatility on Wall Street? Will stocks just keep ringing in new highs? Can we make an educated guess as to whether 2025 will experience great gains in the last quarter, and what lies on the horizon for 2026? Here are the things we’ll cover in this blog. Average Santa Rally Performance Was There a Santa Rally in 2022? Santa Rallies When Stocks Keep Hitting New Highs (like 1999, 2000 & 2007) Corporate Buybacks Are at an All-Time High December 2018 Bewitching October Trends And here is more on each topic. Average Santa Rally Performance The Santa Rally – the 3-month period of October through December – is a historically strong quarter, featuring almost 9% gains on average over the last five years. The 10-year period is lower, at under 5.5%, largely due to the terrible December performance of 2018. (We’ll discuss this below.) The 20-year period is still positive, but even lower, at less than 4% gains over the quarter, on average. See the chart below for the monthly performance of the S&P500 over the last 5, 10 and 20 years. Of course, the down years get swallowed up in the average, so let’s dive into the details of the last correction in 2022.  Was There a Santa Rally in 2022? 2022 was a down year on Wall Street, when the S&P500 dropped -19.44%. October and November started out strong in 2022, with impressive gains of over 13% in the two-month period. December lost -5.90%. All told, the quarter was a gain of over 7.0%. However, that wasn’t enough to recover the losses of the year. While the Magnificent 7 were some of the worst performers in 2022 (see chart above), they have been on fire since then. The S&P500 has more than doubled over the last five years. 2023 and 2024 were spectacular years on Wall Street, with gains of 24.23% and 23.31% in the S&P500 (not including dividends), respectively. Many target date retirement funds have lost money over that same period. Do you know what you own in your retirement account? The trend keeps moving up, up, up, despite the down years. However, Alphabet, Amazon, Apple, Meta, Microsoft, Nvidia and Tesla remain volatile. In April of this year, you could have purchased Nvidia for under $100/share. Tesla was down -54.6% on March 10th. I’ll discuss how to manage this volatility in the Bottom Line section below. We also teach this in our Financial Freedom Retreat. Santa Rallies When Stocks Keep Hitting New Highs (like 1999, 2000 & 2007) Everyone partied like it was 1999 during that year’s Santa Rally, pushing the S&P500 up almost 14% in the last quarter. However, the index sank -10.14% in 2000. The NASDAQ Composite Index, where the hottest Dot Com stocks were listed, dropped -78% between the highs of March 2000 and the lows of October 2002. In 2000, GDP growth decelerated to 1% by the 4th quarter but was still positive. However, because stocks were overpriced, the whales of Wall Street took their gains off the table. Equities today are almost as elevated as they were in 2000 and are far higher than the Great Recession and the Great Depression, as you can see in the chart below.  CAPE Ratio data provided by Professor Robert Shiller, Nobel Prize winning economist. In 2007, before the Great Recession, stocks hit an all-time high in October before retreating -5.26% in November and December. 2008 was a terrible year on Wall Street. The S&P500 plunged -38.49%, and the Dow Jones Industrial Average was off by -55% between the high of Oct. 2007 and the low of March 2009. The interesting thing about the Great Recession is that debt, leverage and slow growth were all triggers for the global financial crisis. Today debt and leverage are far higher than they were then, as you can see in the chart below.  Even though Wall Street is on fire, the economy is predicted to slow in 2025 to 1.6% GDP growth from last year’s 2.8%. Slow growth is a negative indicator for continued strength in stocks, as are debt, leverage and expensive prices. Despite the rather tepid expectation, we might see another 3rd quarter surprise when the GDP numbers are released on Oct. 30, 2025. GDPNow is projecting that the 3Q 2025 GDP growth could be as high as 3.8%. With the government shutdown still happening, data is not being refreshed. So, it’s anyone’s guess whether the numbers will be that strong. 3.8% GDP growth will excite retail investors. However, the whales will be looking to see what 4Q has in store when determining whether to buy or sell. Corporate Buybacks Are at an All-Time High Corporate buybacks hit a new record in the 1Q of 2025. Apple, Alphabet, Meta, and Nvidia are all engaged in robust share purchases of their own stock, accounting for almost 27% of share repurchases in 2Q of 2025. Apple is the leader by far as you can see in the chart below.  2Q 2025 share repurchases were down a bit from the 1st quarter. However, Howard Silverblatt, the senior index analyst of S&P Dow Jones Indices wrote in an email on Sept. 17, 2025, that “Q3 2025 is expected to spring back to near the record levels.” This is positive for the Spring Rally for two reasons. Buying activity increases share prices, which makes happy investors chase the gains. Secondly, the reduction in share count increases the earnings per share and lowers the price earnings ratio. That makes the stock, even at a higher price, look like a better bargain. These phenomena have had a hand in the September 2025 jump on Wall Street. Companies with a lot of cash (like the multi trillion-dollar technology companies) have considered share repurchases to be a very good strategy over the past decade, which has provided a great deal of support for stocks. However, none of this helped much in April of this year when the tariff scare put buying on hold from investors and corporations alike. While robust share repurchases in Q3 helped to push stocks to ever-increasing all-time highs in September, there is a great deal of uncertainty and concern about an increase in unemployment and persistent/problematic inflation, which creates volatility on Wall Street and reticence in the C-Suite. AI and technology continue to be the bright spots, while retail, real estate and health care continue to struggle. December 2018 December 2018 was the worst December in U.S. stocks since the Great Depression. Stocks dropped -9.2% in one month. One of the catalysts of the drop was a cessation of corporate buybacks from Apple. Apple was concerned about missing their end-of-year revenue forecasts due to fierce competition from Huawei. They ceased their buybacks in December 2018 without notice or warning. Learn more in my Jan. 3, 2019, blog about Huawei knocking Apple to the #3 spot in global smart phone sales. Bewitching October Trends October tends to have gains, as high as 1.79% on average over the last five years. However, it’s known as the bewitching month because when it doesn’t have positive performance, the results can be devastating. October was the beginning of the Great Depression. It also hosted Black Monday 1987. Bottom Line With a slowing economy, trade wars, inflation, high housing costs, increasing unemployment and global tension, there is no guarantee that this year’s Santa Rally will bring investors what we want for Christmas. With stocks at an all-time high, and recent examples of swift and severe plunges, our best protection is to rebalance, capture gains and make sure that we have an age-appropriate, properly diversified plan in place. Typical recessions can take a decade or longer for a full recovery. (It took the NASDAQ Composite Index 15 years to return to the March 2000 highs.) 21st Century recessions have shattered the old trope of Buy and Hope. Economists aren’t predicting a recession this year or next. However, some have pointed out that many states are already experiencing an economic downturn. Mark Zandi, the senior economist at Moody’s Analytics, posted on X on Sept. 29, 2025, writing, “The economy’s performance and near-term prospects remain far from bright. Recession risks… remain uncomfortably high.” Corporate buybacks were strong in the 3rd quarter but can turn on a dime without warning. While it’s possible that stocks can continue to rise with the Santa Rally trend, it’s not a given. It’s better to be ahead of the news than wait until an economic storm has wiped out our gains to think about fixing our financial house. With stocks at an all-time high, now is a great time to make sure that we have an age-appropriate, properly diversified plan in place. The great news is that we can also capture gains at an all-time high, while making sure that we have exposure to the hottest industries and are underweighting the paper losses and underperformance of the sectors that are struggling. Register now to join us at our online Financial Freedom Retreat Oct. 11-13 2025 where you'll learn how to protect your wealth, save thousands annually in your budget and how to hedge in a volatile Debt World. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Oct. 11-13 2025. 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, * 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. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Receive the best price when you register with friends and family. Visit NataliePace.com to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register.  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 7 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest 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. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Clean Energy Unplugged. Tesla Sales Slump in 2Q 2025. 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. 21st Century Recessions Look More Like Depressions. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? Top Dividend/Income Strategies for 2025. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Magnificent 7 Update. On Fire. Expensive. Tesla could have an exemplary 3rd Quarter. Nvidia is accused of antitrust by China. Apple has lines out the door again. Meta, Microsoft, Google and Amazon all continue with double-digit year-over-year revenue growth, which is quite a feat for multi-trillion-dollar companies. The good news is already priced in. (However, there is a way to participate in the party.) Email [email protected] if you’d like an updated Magnificent 7 Stock Report Card. Here are the things we’ll cover in this blog. Tesla Nvidia Apple The Fantastic 4 or the Magnificent 7? Sales Growth Valuations The Macro Economy Lessons From April’s -20% Dive And here is more information on each line item. Tesla The U.S. electric vehicle tax credit ends September 30, 2025. While that’s not great for Tesla going forward, Tesla is likely to have a gangbuster 3rd quarter, as everyone rushes to beat the clock. Will the 3rd quarter of 2025 be the first time that the company delivers more than 500,000 vehicles? The all-time high was the 4th quarter of 2024, when Tesla deliveries were 495,570 vehicles. Tesla earned $25.7 billion in revenue that quarter. It is quite possible (probable?) that the 3rd quarter could shatter those records. The company will report their 3Q deliveries on October 2, 2025. This is quite different from Tesla’s 2nd quarter, when deliveries were down -13.5% year over year and revenue dropped -12%. With Wall Street always singing, “What have you done for me lately?” there could be a jump in share price after the deliveries are announced on Thursday. However, there’s more to the story, which complicates our ability to profit. (Buying high is rarely a great idea.) China is the biggest market for EVs in the world, purchasing 11 million of the 17 million EVs sold in 2024. China’s own BYD is now the largest EV seller globally, surpassing Tesla in 2024. We can’t buy BYD cars here in the United States. However, other countries can, including Mexico, Brazil, Thailand, Germany, Norway, Australia, Japan, South Korea and countries in the Middle East and Africa. Additionally, due to the plethora of electric vehicle options that are now available, there is a price war going on. Tesla’s net income was $15 billion in 2023. It dropped to $7 billion in 2024. The company has only made $1.58 billion in 2025. This begs the question of whether a company that might only earn $4 billion or less in 2025 should really be worth $1.46 trillion. With a price/earnings ratio of 236, Tesla is one of the most expensive stocks on Wall Street. Nvidia On Sept. 15, 2025, Nvidia was accused of violating anti-monopoly laws by China. While no punishment was mentioned in the statement, the Financial Times reported that Chinese authorities have ordered top tech firms to halt purchases of Nvidia chips and cancel existing orders. Nvidia’s competition in China has intensified with Huawei, Cambricon, Baidu and Alibaba all reportedly making chips that are comparable to Nvidia’s exportable products. (Nvidia has export controls and is not allowed to send its most advanced semiconductors to certain nations, including China.) China accounts for about 6% of Nvidia’s revenue.  A miss on revenue from the region should not significantly impact the next quarterly earnings report. Nvidia could still see $50+ billion in sales with growth of 44.7% year over year. However, investors will get nervous if the situation becomes more tense. Nvidia’s price/earnings ratio is quite lofty, at 50. Nvidia will likely report 3rd quarter earnings the 3rd week of November. Apple The lines were back at Apple last week. The iPhone 17 launch was a success, garnering plenty of gushing reviews. However, since the phone was released on September 19, 2025, we won’t see the bump in revenue until the December quarter earnings are released at the end of January 2026. The September quarter revenue is expected to increase mid to high single digits on a year-over-year basis – nothing mind-blowing, particularly since Apple’s price/earnings ratio is 35 – quite lofty for a company with single-digit revenue growth. However, if the forward outlook is exciting, based upon a jump in sales from iPhone 17, we could see investor interest pushing the share price up. Of course, all of this assumes that the macro economy stays strong. With valuations on all the Magnificent 7 companies, including Apple, high, rising unemployment and sticky inflation, a continued party on Wall Street is not a given. We won’t see the September quarter results until around Halloween (the date that Apple reported results in 2024). The Fantastic 4 or the Magnificent 7? Right now, the Magnificent 7 companies all look spectacular, particularly in product sales. Their share prices are all trading very close to their all-time highs, making investors happy. The strength of these companies is responsible for over 1/3 of the S&P500 performance. All these companies have a treasure trove of cash. After the EV tax credit expires on Sept. 30, 2025, Tesla could experience a marked slowdown. Will U.S. car buyers be as interested in Tesla vehicles once the tax credit expires? Will they shop for more affordable models, or used cars? The U.S. market is responsible for 52.5% of Tesla’s revenue. Additionally, there could continue to be much lower earnings for Tesla, due to the EV price wars. Amazon, Apple and Tesla are at the lower end of revenue growth and profit margins of the Magnificent 7. Apple has elevated debt (with plenty of cash to cover it). Sales Growth It’s extraordinary that the multi-trillion dollar Titans of Silicon Valley are still experiencing impressive year-over-year sales growth. Nvidia is at 56%, Meta 22%, Microsoft 18%, Alphabet 14%, and Amazon at 13%. Email [email protected] if you’d like an updated Magnificent 7 Stock Report Card. Valuations This is the piece of the puzzle that a lot of Main Street investors aren’t getting good information on. Stocks are very expensive. As Liz Ann Sonders, the Managing Director and Chief Investment Strategist at Charles Schwab, said in her May 30, 2025 podcast, “I feel sometimes like we're in the midst of a late '90s kind of market, where you remember the tech bubble, and it just kept going and going and going, and nothing seemed to really do anything to it until it stopped.” As a reminder, in the Dot Com Recession, the NASDAQ Composite Index dropped -78% between the high of March 2000 and the low of October 2002. It took 15 years to get back to the highs set in March 2000. The Macro Economy There are many indicators that suggest equities are quite elevated. One area of particular concern is that margin debt has hit a new high. Margin debt is currently at $1.1 trillion according to FINRA. The reason this is a concern is that there are limits to the amount of money one can borrow on margin. When stocks are high and keep rising, it’s not a problem. However, if share prices start falling, investors who have borrowed money will have to deposit more cash to cover the losses or sell stocks (potentially at a loss) to cover the margin. The consequence of very high margin debt is that volatility becomes extreme, and the speed of the plunge can be very pronounced, as panicked sellers are forced to cover their debt. (Brokerages can sell stock to cover the problem, if the account holder doesn’t fix things fast enough.) There are breakers in place to stop a correction from turning into a crash. However, we did see a drop of -20% between February 19 and April 8, 2025. Lessons From April’s -20% Dive Nvidia’s price is currently $178 a share. On April 4, 2025, you could have bought the stock for $94. At $440/share, Tesla is close to its all-time high again. However, the price was only $222 on April 8. Meta dropped -34% between February and April of this year. The Magnificent 7 is truly amazing in terms of revenue growth, profit margins and even the cache of cash that most of these companies have. However, because they are very expensive, whenever there is a market downturn, these companies drag stocks down, dropping far lower than the rest of the S&P500. This also happened in 2022. When the S&P500 dropped -19.44%, Many of the Magnificent 7 stocks were down by 50% or more, including Nvidia.  Bottom Line In our pie chart system, and at our Financial Freedom Retreats, we have the Magnificent 7 represented in the large cap growth fund and in many of the targeted hot industry funds. If you have been overweighting Magnificent 7 (as we are), now is a great time to rebalance and capture gains at an all-time high. We still want to have Magnificent 7 in our portfolio, but in an age-appropriate, diversified, targeted way. The rebalancing helps us to retain our wealth, in case volatility kicks in and prices plunge, as we have seen multiple times over the last five years, with the most recent episode only five months in the rear-view mirror. This keeps us on the right side of the trade. There is a reason why “Buy low, sell high” is an age-old investing aphorism. Register now to join us at our online Financial Freedom Retreat Oct. 11-13 2025 where you'll learn how to protect your wealth, save thousands annually in your budget and how to hedge in a volatile Debt World. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the online Financial Freedom Retreat Oct. 11-13 2025. 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, * 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. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Receive the best price when you register with friends and family. Visit NataliePace.com to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register.  Join us for our Restormel Royal Immersive Adventure Retreat. March 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and eight private, prosperity coaching sessions. There are only 8 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7. Stablecoins. Should You Invest? Clean Energy. Solar Generation is On Fire. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. Crypto Goes Mainstream. The Genius Act Becomes Law. Wealth Hacks: Are You Getting Killed in Capital Gains Taxes? Clean Energy Unplugged. Tesla Sales Slump in 2Q 2025. Our Super Performing Hots and Value Replacements. Is Your Income Strategy Losing Money? 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. 21st Century Recessions Look More Like Depressions. 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. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? Top Dividend/Income Strategies for 2025. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Fintechs and Brokerages that Fail are Not FDIC-Insured. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. |
AuthorNatalie Pace is the co-creator of the Earth Gratitude Project and the author of The Power of 8 Billion: It's Up to Us, The ABCs of Money, The ABCs of Money for College, The Gratitude Game and Put Your Money Where Your Heart Is. She is a repeat guest & speaker on national news shows and stages. She has been ranked the No. 1 stock picker, above over 830 A-list pundits, by an independent tracking agency, and has been saving homes and nest eggs since 1999. Archives
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