Personal finance – Coldstreams

Sat. Mar 21st, 2026

Demographics Doomerism Economy Gen Z/Generational issues Nation of Idiots Personal finance Social media

Never trust experts

2026 March 20

The Baby Boom generation had an average of 1.9 to 2.1 children per family, not 3.2 as this CEO and economic advisor claims.

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.

Everything is Untrue Personal finance Policy/Government

Policy: Claims that the rich live off of “loans” and pay no taxes are exaggerated

2026 March 7

The wealthy live off of loans and pay no income or capital gains tax. Not exactly, this is a distortion of what is being done.

Crime/Corruption Everything is Untrue Other Personal finance Policy/Government

Social: “Charity” is a brand, but not reality of many non-profits

2026 March 3

Many charities are now de facto government subcontractors you fund with your taxes. Should you also donate directly? Individual donations often make up little of their revenue.

Gen Z/Generational issues Personal finance

Personal finance: You get rich by not spending-who knew?

2026 March 2

Wealth is created by earning, saving and investing. Not by spending money on "stuff" that mostly gets stored and seldom used. Also simplifies your life.

Demographics Economy Gen Z/Generational issues Personal finance

Economy: “18% of California homes change hands via inheritance”

2026 March 2

And this is likely explained by the large baby boom cohort now hitting age 80 and passing away, in a state with Prop 13 property tax benefits.

Aviation Business Economy Personal finance Policy/Government

Personal finance: Pilot pay – why you may want a licensed job

2026 February 28

Experienced airline pilots earn $400k to $500k/year, thanks to licensing, unionization and anti-competition laws passed by Congress.

Business Demographics Everything is Untrue Health-Healthcare Personal finance Policy/Government

Demographics: “70% of people turning 65 will need long term care” – is 100% misleading

2026 February 24

Most long-term care for the elderly is provided at home, by family members. The 70% figure used by insurance salespeople is bogus.

Demographics Media Personal finance

“Off grid” living

2026 February 1

Up to 50% of those who move "off grid" give it up within 3-5 years. But we don't hear about those stories.

Demographics Personal finance

Personal finance: The Myth of IRA retirement accounts

2026 January 24

The original IRA turned out to be a bit of scam for today's retiring seniors.

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Demographics Education

Education, Demographics: Central Oregon schools face declining enrollment

2026 March 20

Doomerism Economy Gen Z/Generational issues Media

Media: How surveys amplify doomerism

2026 March 20

Demographics Doomerism Economy Gen Z/Generational issues Nation of Idiots Personal finance Social media

Never trust experts

2026 March 20

Business: Postal Service running out of money

2026 March 19