American Finance Cents

American Finance Cents Self-made millionaire sharing wealth building secrets your parents or school didn't teach you.

05/31/2026

🚗📈 THE POWER OF LONG-TERM INVESTING

A $2,600 investment in Tesla's IPO would be worth well over $1 million today.

Let that sink in for a moment.

The biggest wealth-building opportunities often don't come from timing the market perfectly. They come from identifying a great business, staying invested, and allowing time to do the heavy lifting.

When Tesla went public in 2010, many investors were skeptical. The company was losing money, electric vehicles were still a niche market, and few imagined it would become one of the world's most valuable automakers.

Those who invested early and held through years of volatility, criticism, market crashes, and uncertainty were rewarded with extraordinary returns.

Of course, stories like Tesla are the exception, not the rule. For every Tesla, there are countless companies that never achieve such success. That's why diversification and disciplined investing remain important.

The real lesson isn't that everyone should have bought Tesla.

The lesson is that wealth is often built by patience, conviction, and giving great businesses enough time to grow.

Compounding rewards those who can stay invested longer than most people can stay interested.

💡 Time in the market has created more millionaires than timing the market.

This is business dude 😁👍
05/30/2026

This is business dude 😁👍

Musical love 💗❤️
05/29/2026

Musical love 💗❤️

Best book ever 🥲
05/29/2026

Best book ever 🥲

I Always Listen 😅
05/29/2026

I Always Listen 😅

13.1% of all US credit card balances are now 90 days delinquent. That's not people running a little late. That's people ...
05/29/2026

13.1% of all US credit card balances are now 90 days delinquent. That's not people running a little late.

That's people who haven't made a payment in three months and are watching their credit get destroyed in real time.

This data comes straight from the New York Federal Reserve published earlier this month. And the number that should concern everyone isn't just the 13.1%. It's the trajectory.

Serious credit card delinquencies have climbed 5.5 percentage points since Q3 2022. That pace of deterioration actually exceeds the increase seen during the 2007 to 2010 financial crisis period.

Read that again. We're deteriorating FASTER than we did during the Great Recession.

And it's not just credit cards.

10.3% of student loan balances are now 90 days delinquent, the highest since 2020. And 5.6% of auto loan balances are now 90 days delinquent, the highest level ever recorded.

Credit cards. Student loans. Auto loans. All deteriorating at the same time.

Total US household debt now stands at roughly $18.8 trillion. Credit card balances specifically sit at approximately $1.25 trillion, which actually ticked down slightly from the prior quarter.

That last detail is the one worth sitting with. Balances went DOWN but delinquencies went UP. People aren't taking on more debt. They just can't pay the debt they already have.

If delinquencies breach the 13.7% post-crisis peak in coming quarters, it would mark the worst consumer credit environment in modern US history outside of a declared recession.

We're 0.6 percentage points away from that level right now.

The stock market is near all-time highs. Unemployment is relatively low. And 1 in 8 dollars of credit card debt in America is 90 days past due.

Something underneath the headline numbers is breaking. This data is what it looks like.

The "we super-sized ourselves out of starter homes" argument has a kernel of truth in it. Minimum square footage require...
05/29/2026

The "we super-sized ourselves out of starter homes" argument has a kernel of truth in it.

Minimum square footage requirements, zoning laws, and buyer expectations all pushed new construction upward.

But the 983 square foot homes still exist. They just cost $450,000 now.

That's the part this tweet skips.

The affordability crisis isn't primarily a size problem. It's a supply problem, a zoning problem, a materials cost problem, an interest rate problem, and an institutional investor problem that accumulated over decades while nobody was paying enough attention.

Yes, the average new home built today is over 2,500 square feet. Yes, buyers kept asking for more. Yes, builders kept delivering it because that's where the margin was. All of that is accurate.

But here's what's also accurate.

The 983 square foot Cape Cod that sold for $7,000 in 1950, roughly 2x the median income at the time, is now selling for $400,000 to $600,000 in most markets.

Nobody added vaulted ceilings to it. Nobody put in a walk-in closet. It's the same house. It just costs 5x the median income now instead of 2x.

Minimum lot size requirements in most American suburbs legally prohibit building anything close to a 983 square foot home on a new lot today.

Zoning codes require setbacks, minimum square footages, and parking minimums that make small affordable homes economically impossible to build profitably.

The builders aren't choosing luxury over starter homes out of greed. The regulatory environment makes starter homes financially unviable to construct in most markets.

The tweet is right that expectations expanded. It's wrong that expectations are the cause.

You can want a smaller, more affordable home and still not be able to find one because the system stopped building them and the ones that exist got priced into a different category entirely.

Dave Ramsey’s advice works really well for people who are financially out of control.But the second you start building r...
05/29/2026

Dave Ramsey’s advice works really well for people who are financially out of control.

But the second you start building real wealth, the game changes.

Avoiding dumb debt is smart.

Avoiding leverage, assets, tax strategy, ownership, and business because “debt is bad” can keep you stuck playing defense forever.

Japan's National Institute of Information and Communications Technology just set a world record for internet speed: 1.02...
05/29/2026

Japan's National Institute of Information and Communications Technology just set a world record for internet speed: 1.02 petabits per second, transmitted over 1,808 kilometers using existing fiber optic infrastructure.

For reference, that's 3.5 MILLION times faster than the average internet speed in the United States right now.

No way. That's freaking insane.

To put it in terms most people can actually picture: at 1.02 petabits per second you could download the entire Netflix library, every movie and show in 4K quality, in under one second. The full English-language Wikipedia downloaded 10,000 times over. In a second.

Here's what makes this more than just a cool lab experiment.

The researchers used a 19-core optical fiber with a standard cladding diameter of 0.125mm, the same thickness currently used in networks worldwide. They didn't need exotic new infrastructure to pull this off. They did it using the same diameter fiber already sitting in the ground. That means this technology could theoretically be deployed on existing networks, which changes the timeline from science fiction to something that actually matters.

The obvious question is what this means for everyday internet speeds. The honest answer is that it won't be showing up in your home for a while. This was a controlled research demonstration, not a consumer product announcement.

But the implications beyond streaming are where it gets genuinely significant.

AI training requires moving MASSIVE datasets between data centers at speeds that current infrastructure can barely handle. Cloud computing, real-time global communication, and the kind of bandwidth that a fully AI-integrated economy would actually require, all of it runs into physical limits that current fiber networks create.

This breakthrough represents a major step forward in cloud computing and artificial intelligence applications.

The future of the internet just got a preview. It's fast.

🎥🍿
05/29/2026

🎥🍿

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