Finance – Coldstreams

Sat. May 2nd, 2026

Demographics Doomerism Economy Finance Gen Z/Generational issues Media Nation of Idiots Personal finance Stupidity

Economy: Mega lifestyle inflation

2026 April 28

The NY Times writes a sob story about couples who can't afford to have a child. It's actually a story about lifestyle inflation.

Demographics Doomerism Economy Finance Gen Z/Generational issues Personal finance Policy/Government

Policy: Does the US government spend 6x more on those 65+ than on ages 0-17?

2026 April 1

True, by leaving out all the local and state spending. In the real world, spending is almost equal.

Business Everything is Untrue Finance Media

Media bias in business/startup reporting

2026 March 14

A staple meme of business reporting are stories about entrepreneurs who risked it all and achieved success. The reality is most business startups fail.

Business Economy Finance Geopolitics International/Global/Immigration

Finance: What happened to microloans and microcredit?

2026 March 10

In the 1990s and early 2000s, "microloans" and "microcredit" were the rage in spurring economic growth. But they did not work and left people in poverty.

Education Everything is Untrue Finance Gen Z/Generational issues Personal finance Policy/Government

Education: 26-40% of education loan recipients admit spending on non-educational expenses

2026 March 9

26-40% of education loan borrowers admit spending their loan money on non-education activities, experiences, travel and luxury goods.

Demographics Doomerism Economy Finance Gen Z/Generational issues Personal finance

Personal finance: Klarna and personal finance

2026 January 11

Is use of Buy Now, Pay Later a sign of stretched budgets? No. Almost all purchases are discretionary in nature, not necessities.

Economy Energy Environment Finance Gen Z/Generational issues Geopolitics Health-Healthcare Innovation Innovative/Creative Personal finance Policy/Government Public Health/Nutrition Science

Economy: Should billionaires be forced to give away all wealth to the government?

2025 December 30

Bill Gates has donated over $200 billion to charitable causes, WHO, foundations, research, drug discovery, education and more.

Finance: History of 15-, 20- and 30-year mortgage loans

2025 December 20

Demographics Doomerism Economy Finance Gen Z/Generational issues

Economy: Finance “X” is cuckoo

2025 December 10

X posts say the true poverty level is $140k/year and that earning less than $200k/ year is not living comfortably....

Business Demographics Economy Finance Gen Z/Generational issues Media Nation of Idiots Personal finance

Gen Z: In 2019, the average age of Gen Z was 14 years old

2025 December 3

This 2019 journalism'ish says Abercrombie was targeting Gen Z consumers with buy now, pay later ... who averaged 14 years old in 2019.

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Environment: The US is a net carbon sink

2026 May 1

Demographics Doomerism Economy

Economy: The middle class is shrinking

2026 April 30

Demographics Doomerism Economy

Demographics, Economy: Trends in women’s participation in the workforce

2026 April 29

Demographics Doomerism Economy Finance Gen Z/Generational issues Media Nation of Idiots Personal finance Stupidity

Economy: Mega lifestyle inflation

2026 April 28