Everything Costs Too Much

Dear Reader,

You feel it every day.

Rent. Healthcare. Groceries. College. Even your electric bill.

Everything keeps getting more expensive.

Your paycheck? Not so much.

• America's affordability crisis isn't about wages or growth—it's deliberate government intervention through regulations and subsidies that protect incumbents 

• Classic public choice problem: concentrated interests profit from regulation while costs get spread across millions of consumers who lack political power

• Trump's deregulation push offers hope (10-to-1 rule elimination, regulatory budgeting), but real change requires dismantling state/local barriers

• Hidden inside the Big Beautiful Bill are new carve-outs that could slash your tax bill, multiply your income, and protect your family's wealth. Donald Trump and I wrote the only book that shows you exactly how. Click here to claim your copy!

The politicians tell you it's inflation. Or corporate greed. Or some other boogeyman they want you to blame.

They're lying.

I've been studying money and economics for decades. And I'm going to tell you something most people don't want to hear.

The government is the problem.

Not the entire problem. But the biggest problem.

Follow the Money

Here's what nobody wants to admit.

Wages in America are actually going up. The economy's growing. We're not in a depression.

So why does everything feel unaffordable?

Because prices in certain sectors are exploding. Housing. Medicine. Education. Childcare.

What do these sectors have in common?

Government interference. Price controls. Subsidies. Regulations that strangle supply.

Meanwhile, look at sectors where government stays out. Technology. Consumer electronics. Online shopping.

Prices drop. Quality improves. Innovation happens.

You can buy a better TV for less money than ten years ago. But try buying a house. Or sending a kid to college. Or going to the doctor.

It's obscene.

Why Nothing Changes

The solution is simple.

Remove regulations that choke supply. Kill subsidies that inflate demand. Let markets work.

Classical economics 101.

But here's the problem.

The people making money from these regulations have power. The people getting hurt are scattered and disorganized.

Doctors benefit from licensing rules that keep out competition. Hospitals love certification requirements that block new facilities. Insurance companies get rich from subsidies.

And you? You're one voice among millions.

That's why change never happens.

The Healthcare Scam

Look at what just happened.

Democrats shut down the government over healthcare subsidies. Subsidies that were supposed to be temporary pandemic relief.

Now they're permanent. And some go to families making hundreds of thousands a year.

These subsidies don't make healthcare cheaper. They make it more expensive. Because consumers stop caring about price when someone else is paying.

The solution? Subsidize only catastrophic coverage for the poor. Let everyone else shop for value.

But insurance companies oppose this. Their profits depend on subsidized sign-ups.

And it gets worse.

Licensing restricts nurse practitioners who could provide cheaper care. Certification delays new hospitals. The FDA blocks promising drugs.

The whole system is rigged.

The Housing Disaster

Then there's housing.

New York just elected a socialist mayor. Zohran Mamdani. His solution to affordability?

Rent control. Free childcare. Free buses.

Economists everywhere are screaming. Even liberal economists oppose rent control. Because it reduces housing supply over time. Makes the problem worse, not better.

But it's politically popular. More tenants than landlords. And people who can't move to the city can't vote there.

The real solution? Kill rent control. Loosen zoning. Let builders build.

But homeowners oppose this. They want their property values high. It's their retirement fund.

So nothing changes.

The childcare subsidies will backfire too. Providers will just raise prices, like colleges did with student loans.

Better idea? Deregulate childcare. Let people run daycares from their homes like they used to.

But that makes too much sense.

Trump's Deregulation Push

Here's where it gets interesting.

Trump's administration is attacking regulations hard. Regulatory budgeting. Ten old rules eliminated for every new one.

They're requiring regulations to be based on actual statutory authority. No more aggressive interpretations.

Energy production. Electric vehicle mandates. Education accreditation. Financial services. Crypto.

All getting deregulated.

More competition means lower prices. Better options. That's basic economics.

The problem? Most regulations strangling affordability are state and local.

Zoning. Building permits. Rent control.

The federal government can't touch those directly.

The AI Wild Card

But here's something most people are missing.

Artificial intelligence might change everything.

AI reduces compliance costs. Makes it easier for small companies to compete against big incumbents.

AI helps diffuse groups organize against special interests. Exposes the real cost of regulations. Creates political pressure.

Look at legal services. Online companies now provide cheap wills and power of attorney documents. Lawyers tried to stop it, calling it unauthorized practice of law.

But technology and public pressure won. States like Texas exempted these services.

That's the future. Technology cutting costs and breaking down barriers.

But here's the catch.

The same people benefiting from current regulations will try to capture AI. They'll use "AI safety" as an excuse to build new regulatory moats.

Whether AI helps affordability long-term depends on who wins that fight.

The Fight Never Ends

Here's the bottom line.

The affordability crisis is a liberty crisis.

Every generation has to fight this battle. Because concentrated interests always find new ways to rig the system.

You can complain about high prices. Or you can understand what's really happening.

Government creates artificial scarcity. Incumbents profit. You pay the price.

The solution isn't more government. It's less.

But that requires understanding the game. And demanding change.

Most people won't do that.

They'll keep voting for politicians promising free stuff. Not understanding that free stuff makes everything more expensive.

That's the real scam.

The question is: are you going to keep falling for it?

Or are you going to demand they get out of the way?

Your wallet depends on the answer.

Kiyosaki Unsensored

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