Personal 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 Gen Z/Generational issues Nation of Idiots Personal finance Policy/Government

Demographics: We must confiscate elder’s savings and kill them off

2026 April 22

So says an actual Yale professor, Samuel Moyn

Economy Personal finance Policy/Government

Government: Combined State+Federal tax burden by state

2026 April 3

Oregon has the highest combined tax rate of all states.

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.

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.

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Environment

Economy: Mega lifestyle inflation

Demographics: We must confiscate elder’s savings and kill them off

Government: Combined State+Federal tax burden by state

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

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

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

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

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

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

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Environment: The US is a net carbon sink

Economy: The middle class is shrinking

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

Economy: Mega lifestyle inflation

Coldstreams

Category: Personal finance

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