let’s talk about something that instantly reduces stress and increases confidence with money:

Budgeting — but the non-boring kind.

Forget spreadsheets, strict rules, and guilt. A good budget is simply a plan that tells your money where to go, so it doesn’t disappear without permission.

🧠 Why budgeting matters

Most people think they have an income problem.
But really, they have an awareness problem.

When you know exactly:

  • what’s coming in,

  • what’s going out,

  • and what’s left to grow…

…money stops feeling like a mystery and starts feeling like a tool.

🎯 A simple 3-step starter budget (5 minutes max)

1️⃣ List your monthly income
Just your take-home pay. Nothing fancy.

2️⃣ Add your fixed essentials

  • Rent/mortgage

  • Utilities

  • Transportation

  • Minimum debt payments

  • Groceries (estimate)

3️⃣ Give every dollar a “job”
Use this breakdown as training wheels:

  • 50% → Needs

  • 30% → Wants

  • 20% → Saving/Investing

That’s it.
No apps required (unless you want one). No judgment. No math headaches.

💡 Quick tip of the week

If money keeps “magically disappearing,” check your subscriptions.
Most people find at least $40–$150/month of unused or forgotten services.

You’ve got this — budgeting is simply awareness, and awareness creates power.

Crash Expert: “This Looks Like 1929” → 70,000 Hedging Here

Mark Spitznagel, who made $1B in a single day during the 2015 flash crash, warns markets are mimicking 1929. Yeah, just another oracle spouting gloom and doom, right?

Vanguard and Goldman Sachs forecast just 5% and 3% annual S&P returns respectively for the next decade (2024-2034).

Bonds? Not much better.

Enough warning signals—what’s something investors can actually do to diversify this week?

Almost no one knows this, but postwar and contemporary art appreciated 11.2% annually with near-zero correlation to equities from 1995–2024, according to Masterworks Data.

And sure… billionaires like Bezos and Gates can make headlines at auction, but what about the rest of us?

Masterworks makes it possible to invest in legendary artworks by Banksy, Basquiat, Picasso, and more – without spending millions.

23 exits. Net annualized returns like 17.6%, 17.8%, and 21.5%. $1.2 billion invested.

Shares in new offerings can sell quickly but…

*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.

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