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- Why You’re Still Broke
Why You’re Still Broke
Dear Reader,
Let me show you something that explains everything.
Real average weekly earnings. That's what the average American makes each week, adjusted for inflation.
In other words, what your paycheck can actually buy.
Here's the story those numbers tell.
Real average weekly earnings fell 4% under Biden but have only recovered 1% under Trump
Monthly mortgage payments more than doubled in under four years, creating a two-tiered America where people who bought before are building wealth while everyone else is trapped renting forever
Rolling back $2 trillion in annual regulatory costs, fine-tuning tariffs, and unleashing DOGE to slash government spending would lower interest rates
The Numbers That Matter
First eight months of Trump's return? Real weekly earnings rose about 1%.
Good news, right? Finally moving in the right direction.
But here's what they don't want you to see.
In the four years before Trump came back, real average weekly earnings fell 4%.
Do the math. You're still 3% poorer than you were four years ago.
That's why everything still feels impossible. Because it is.
You Got Robbed
Biden's inflation crushed wage growth. Prices exploded faster than paychecks.
Every week, your money bought less. Every month, you fell further behind.
The 1% gain under Trump? That only recovered about one-quarter of what you lost.
You're making progress. But you're still in the hole.
That's the reality most people are living right now.
The Housing Catastrophe
Want to see it get worse?
Look at housing.
Under Biden, the monthly mortgage payment on a median-priced home more than doubled. In less than four years.
Read that again. Doubled.
This created a two-tiered America. Two completely different economies.
If you bought a home before costs exploded, you're building wealth. Your mortgage is locked in. Your home value is rising.
If you didn't? You might rent for the rest of your life.
The American dream just became the American nightmare.
Why It Feels This Bad
Trump has made progress. Inflation is slowing. Some prices are even dropping—eggs, gasoline.
That's good.
But years of damage don't disappear overnight. It took a while to create this mess. It'll take a while to fix it.
The problem is, families can't wait. They need to eat today. Pay rent this month. Fill the tank this week.
Understanding why things are broken doesn't help when you're broke.
Here's something most people don't know.
Regulations cost Americans over $2 trillion annually.
You can't see it on the price tag. But it's there. Hidden in everything you buy.
Every product. Every service. Every transaction.
Someone had to comply with regulations. That compliance costs money. You pay that cost.
It's a hidden tax. And it's massive.
What Can Be Done
Trump's already rolling back regulations. Good. That needs to accelerate.
Every regulation removed reduces costs. Those savings flow to you. Lower prices. More choices.
Tariffs need fine-tuning too. Trump showed this with coffee and bananas. Some things can't be made here. Tariffing them just raises prices.
Smart tariffs protect American jobs. Dumb tariffs just tax American consumers.
The difference matters.
DOGE Needs Steroids
The Department of Government Efficiency found billions in waste. Fraud. Abuse. Corruption.
In just a few months.
While being blocked by bureaucrats and judges at every turn.
Imagine what they could do with real power.
Cut government spending. Reduce borrowing. Lower interest rates.
That would help millions of Americans immediately. Lower mortgage rates. Cheaper credit cards. Affordable auto loans.
Real relief. Fast.
Why Interest Rates Matter
When the government borrows less, interest rates drop.
Lower rates mean lower financing costs. On everything.
Your mortgage. Your credit cards. Your student loans. Your car payment.
Millions of Americans carrying debt would get immediate relief.
That's not theory. That's math.
Less government borrowing equals lower rates equals more money in your pocket.
The Two Americas
We're living in a bifurcated economy now.
If you own assets—home, stocks, real estate—you're doing okay. Maybe even great.
If you don't? You're getting crushed. Wages can't keep up with costs. Savings are eroding. The future looks bleak.
This isn't sustainable. Societies don't survive this kind of split.
Either everyone gets an opportunity to build wealth, or eventually, the whole system breaks.
The Fire's Still Burning
Trump inherited an affordability crisis. He's been working to put it out.
The fire isn't out yet. It's contained. But still burning.
Putting it out completely will take a herculean effort.
More deregulation. Smarter trade policy. Massive spending cuts. Lower interest rates.
All of it together. All of it fast.
Can it be done?
Yes.
Will it be done?
That depends on whether people demand it loud enough.
What You Need to Know
You're 3% poorer than four years ago. That's after eight months of progress.
Housing costs doubled, creating two different Americas—owners and renters.
Hidden regulatory costs add $2 trillion to your annual expenses.
Cutting government spending would lower interest rates and reduce your debt costs.
Progress is happening. But not fast enough. Not deep enough.
The damage was severe. The recovery will take time.
But time is something struggling families don't have.
What You Should Do
Focus on assets, not wages. Wages will always lag inflation in an economy like this.
If you can buy a home, do it now. Even at high rates. You can refinance later when rates drop.
Pay down high-interest debt. Credit cards especially. Those rates aren't dropping fast.
Build skills that increase your earning power. AI, technology, trades—anything that can't be easily replaced.
And pressure your representatives. Demand deregulation. Demand spending cuts. Demand lower interest rates.
Because they're not going to fix this unless we make them.
Bottom Line
Real weekly earnings fell 4% under Biden. Recovered 1% under Trump.
You're still 3% poorer. That's why everything feels unaffordable.
Monthly mortgage payments doubled, locking millions out of homeownership forever.
Rolling back $2 trillion in regulatory costs would provide immediate relief.
Cutting government spending would lower interest rates and reduce debt costs.
The fire is contained but not extinguished.
Full recovery requires massive action. Fast action.
The question is whether politicians have the courage to do what's necessary.
Or whether they'll keep playing it safe while families keep struggling.
Me? I'm not waiting for them to fix it.
I'm taking care of myself. Building assets. Reducing debt. Creating options.
That's what I've always done. That's what I'll keep doing.
Maybe it's time you did the same.
Kiyosaki Unsensored
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