Long post, don't read if lazy. In this thread, we explore the current trends and theorize about the implications for the near future of Definancialization, for lack of a better term. I lack a general structure to put down my thoughts on said topic, but I thought I'd write and see what sticks. Within this two-faced economy where the top 10% earners account for half of consumer spending, the cultural shift of the fake and gay economy is immense. Most people don't care about the stock market or crypto, theyre barely getting by. This experience is overwhelmingly generational. Older generations (boomers, gen x and millennials, although there's a split there) are for the most part clueless, or don't care about the wealth divide, since they're the asset owners. This creates the hilarious scenario we're in, where the only asset buyers and sellers are the same people just moving around. Stocks, real estate, crypto are all overvalued by any metric, not that valuation ever mattered for price to go up.
>>61315751In every market there is, it seems like the only winners are the ones who've been there longer than you have. Crypto? Should've bought in 2010 for 3 blueberries, sorry anon. Real estate? Should' bought 15 years ago. Trading cards? Sorry you weren't around in the 90s. CS2 skins? Worked for a while till recent crash. The biggest disconnect is that usually there was a veneer of "equality" where everyone could achieve some degree of wealth/financial independence if they work hard and honestly. The younger generations straight up don't believe in that, and it's being reflected at a young age. Most don't even bother with education, since what's the point of working hard, going in debt for an education in order to get a degree from your field for a job which mandates it as a pre-requisite IF THERE ARE NO FUCKING JOBS. Some accept waging forever, others go gamble in the markets every 2 weeks trying to hit it big, others straight up scammaxx a shitty AI startup, or sell their retarded hustler courses. The golden ticket is a fake email job, but no one knows how long those will be around for. Every company wants new grads with experience in the industry, yet no one is providing said initial experience. What already is a problem now, will be worse in 5 years. You're competing against recently laid off middle aged people with more experience that are willing to accept a lower salary. What I find weirder still is that I wouldn't know what I'd do with more money. If boomers die within the next decade, and statistically they will, their kids will inherit their fortunes provided 1) they're on the will and 2) they don't spend it all before. What will they do with their wealth? The problem with late stage capitalism is that once you even do get a wealth transfer, culturally "have-nots" have been conditioned not to consume. What do you invest in a non-consumerist environment? I hold silver, cash and crypto and work fake email job.
>>61315786Boomer's children will inherit nothing. It will all be siphoned by the healthcare industry as planned. You will own nothing and eat the bugs.
This has only been possible because America was able to coerce its vassal states to trade their goods and services for worthless dollar bonds. Europe and Japan have been pushed to their limit, and the rest of the world has been led by Russia and China into realizing there is no consequence to ignoring American demands anymore. We all know this has been unsustainable since at least 2008, but it really can't go on for much longer now. What happens when Ukraine loses and defaults on its debt? You can't even claw back dominance through war because the industrial base is gone. The entire American economy at this point is predicated on nothing but sacrificing its working class at the altar of some chatbot parlor trick, hoping it will turn into an omnipotent God to bail out the financial elite. tl;dr invest in BRICS saars
>>61315857this isn't a uniquely American phenomenon though. Even in China the same thing is going on, the economic prosperity mandate is stagnating and their younger generations are equally fucked and they face worse demographics than America.
Which institution will still be around and respected by the next generations? I can't think of any. There might be new ones in cyberspace by then, who knows.
>>61315857you are vastly ignorant of the structural economic problems in russia and china
>>61315751It's just neo feudalism on a global scale. The 2% of havs and the 98% have-nots. They will destroy every country they can to reset population and get everything under control with cbdc shit. They will force survivors to depend on a governmental apparatus. That is all it is. They imported refugees and immigrants to stir the pot once the electrical grid goes down to completely destroy homogeneous cohesion. They need people divided and at each other's throats so nobody goes after government officials who will be hiding while people fight in the streets for dwindled resources. This whole thing with ICE was just walking back on some hard-core issues that would arise if they left too many criminals in the US. Meaning whites would have been completely overwhelmed if left alone so they had to act fast and back up a few million people that shouldn't have been in the US to begin with. They need whites as a population to survive but just barely so they are easier to control once all that is left is scraps. They need the financial system to collapse, the agricultural sector to collapse. They need starvation and death. They need a lot of people to be dependent on the government, and they will do everything they can to achieve this. Africa is SOl, europe will be in perpetual war, China will go even more authoritative and try to police other asian countries with force. The US will decline and there will be massive civil unrest. Think Bosnia 2.0 but with more guns, ammunition and crackheads. Crypto, 401ks and stocks will go bye bye. If you made money from it good for you but it is a giant rugpull. It's designed to fail. What always mattered was precious metals, ammunition, land and family.
>>61316609>it was real in my mind
>>61316633Every government is a farce, voting is an illusion and has never existed in a true sense since the founding of the USA. But you are incredibly stupid and don't even know what I'm talking about. It's like trying to talk to a wall. I hate being smart because everyone else is too fucking stupid. Sorry you live in a false kosher reality. But what I said is true, all of it. But you will see I and many others were right.
>>61315786>A car? Should've bought in 2025.>A personal computer? Should've bought in 2027.>A gaming console? Should've bought in 2029.>A bicycle? Should've bought in 2030.>A tent? Should've bought in 2035.>Stainless steel utensils? Should've bought in 2040.>Shoes? Should've bought in 2042.I voted for this
>>61315751I voted for this
>>61316609thats kinda retarded, they dont have the robots for their army yet, and that collapse is almost assuredly happening ahead of schedule. Unless that starvation and death happens FAST, they wouldn't be able to assert control. Remember FEMA during Katrina? That was isolated, but a nationwide government crackdown? lol you give them too much credit. They're crooked lying businessmen, but they're also mostly incompetent. There's very few james bond villain tier ppl out there. The 2% haves also lose in that scenario as intra-elite warfare becomes not only allowed but baseline.
>>61316701It wasn't supposed to go like this so it does sound retarded. They aren't bumbling fools, they had a plan and failed with only half assed contingencies in place. They were trying to make it happen sooner than it should, tried to walk back on it to delay it - realized that they can't walk back on it, and are now just trying to distract cattle as best as they can before it all just collapses. The absolute furthest they can push it out to is 10 years but it will more than likely be much sooner like 2 years. There is already a few bubbles that have popped but are being hidden from the populations of the world until people lose all faith in their governments. It won't be long. But when it happens it will be a few hours of rugpulling and people losing everything without the catharsis that comes from realizing it on their owns. A shared mayhem is what will happen and by the sounds of it nobody even on this site even began preparing.
>>61316675you are projecting your own power fantasy (you surviving your made-up scenario) onto an imagined reality. I doubt you could even tell me what the specific factions are and the people in them that make decisions in this world
>>61316826at the end of the day, power is still about organizing people. If you're suggesting that some people got together and tried to usurp power by organizing a parallel system, but failed by incompetence, being overly optimistic and drinking the kool-aid, or even betrayal, doesn't it stand that power flows back to the status quo? or at least there is value in jumping off the sinking ship and ratting out others to save yourself. Drones and robots aside since theyre not here yet, whoever can organize people best wins, collapse scenario or not.
>>61316852Sorry man, you are retarded. I hold no beliefs that I will survive even with a decade of preparation. I have a better shot than most, including you - but that doesn't mean I am impervious. As for the factions comment, I do know the factions. However it is irrelevant to me and therefore irrelevant to you. Knowing who is actually running things doesn't matter because they will be protected and so will their families for the next 500 years. It literally changes nothing by knowing except now you know and nobody believes you. It's best to just keep it to myself and others who already know so nobody else is burdened with the useless knowledge. >>61316903Each country with a central bank has a military industrial complex (I hate this hippy term but it's true) and will use it to their advantage. There already are foreign militants too. In the US alone as that is what I studied the most of, there are many. We have around 30k secret CCP police in the US waiting for the collapse. We have many Latino cartel who DO have drones. As we have just seen in Brazil it is proof cartels have the same drones we see in Ukraine. There are many Taliban in the US as well. There are still organized crime rings. Albanians, Russians, Ukrainians, Italians, the Triad and even some Yakuza on the west coast. So yes when the economic security of the world fails just know it was planned and they allowed as many belligerents in as possible. Enough to preoccupy the host population but not enough to destroy it. Just enough for them to come in and consolidate power.We also have around 20 million ultra low IQ subhumans just walking around. And again they will need everyone preoccupied with these groups while they consolidate power. Whether it is regional power they are aiming for or full continental control I don't know and frankly I don't care. I can't control that. But the same things will be happening in all of Europe, most of Asia. African countries are absolutely shit out of luck.
>>61317071>Albanians, Russians, Ukrainians, Italians, the Triad and even some YakuzaAll mostly low-tech/no-tech brutes. Can't self sustain, and assuming they're forward deployed need help from a bigger faction for energy security, supplies, comms.>CartelSlightly more problematic, agree>CCP policeDon't know too much but 30k aint a lot/they would stand out the most, raw metadata/SIGINT gives away most targets, otherwise agree they would keep US occupied, but not enough for foreign military invasion. You think their system/grid isn't compromised to some degree?
>>61316609it'd be nice if the downfall was some beautifully orchestrated sequence like you imagine, but it always boils down to chaos and social entropy. honestly, I'd prefer your version of reality over completely meaningless (and in hindsight completely avoidable) suffering. it at least gives you tiny bit of hope that it could have been stopped, if you could just grab the wheel from the bad guys. but there is no wheel and there hasn't been a wheel for a while now.
>>61317192You have to put it into perspective of the CCP. They own a few million acres of 'farmland' by US military installations. Like directly seated across the road or a few miles away from the base. Chinese citizens buy it up using CCP owned money and then they start building infrastructure underneath. It's monitored but it is a major problem if the grid goes down. This isn't just true for the US either, Canada has even more secret police from the CCP. Upwards to 80k train and openly occupy Canada as I type this. Some own farmland like I mentioned before but Canada surprisingly is more open about their corruption. Treedoo their ex prime minister and love child of Fidel Castro was really an ally to the CCP and sold out his country to them. If the grid goes down I can only speculate what will happen but it is most likely to control the west coast and a portion of deep sea ports in California, Washington and maybe even central Oregon. This is just speculation on my part. If I were to take over the US that's what I would do. Since China is a naval power who can dump even more soldiers, equipment and power grid components on US soil if the grid goes down. They would probably try to take as much land as possible under the guise of humanitarian aid. And it wouldn't surprise me if the US's leaders know about this and even brokered a deal for it to happen. This plan was also made for other countries in the 20th century, and to me seems reasonable. As for the Canadian CCP forces I don't know. They are more spread out due to foreign training agreements. But they would definitely be used against the US somehow. But this is just one group. Somalian in Minnesota would ravage the state. The Taliban are also a player in the Midwest wherever they dropped those 3 million refugees without properly vetting them. The cartel is a major issue in the southwest and there are thousands of them. God forbid there is an EMP or some such other black swan and they get stuck.
>>61317512Sure they have operators abroad, but domestic stability is their problem. Their economic prosperity mandate is failing, their property bubble popped which destroyed household savings, and they couldn't pviot to a consumption based economy so exports was their last hope, which got fucked by tariffs. China and chinese mentality is very different from the west, they CAN and DO frequently kill their populations. Thing is, the older population is the one with wealth and power, and how they got it was by doing just that. China's just waiting for their own great man moment, and Xi's not all that. Even most Chinese people don't realize it but subconsciously they're waiting for their divine king.
>>61317512>>61317570as for situation in US against those groups, well we haven't seen true COG in the US. If the situation gets that bad, you can be sure those COG elements won't hold out against anyone.
>>61315751Let me drop some truth bombs. This will be a stream of consciousness post so may not make much sense.There is a long term cycle of debt creation where continuously falling interest rates allow for more credit creation, this continues until interest rates hit zero and can't go any lower. Then governments must use fiscal spending to stimulate the economy, which is addicted to debt and no more credit creation is possible (people are maxxed out, interest rates aren't falling any more). This creates inflation, which causes interest rates to rise. Because the economy is debt saturated, it can't handle higher interest rates. Consumer spending goes down, businesses can't make money<------ you are hereEventually the debt burden becomes to much with higher interest rates, and householders and businesses start going bankrupt. Governments start financial repression to artificially keep interest rates down (printing money to buy their own bonds) and use capital controls to prevent capital flight. This devalues the money which inevitably spirals into worthlessness. The governments, businesses, and households need this because it devalues the debt. The only alternative is mass defaults which will never happen in a democracy because it's painful so people will just vote for the inflation.What does this have to do with the fake and gay job market? Well credit creation is effectively money printing, it creates more units of money chasing the same goods and services. So your wage is being devalued. In theory you would negotiate higher wages to keep up with inflation, but you can't because you have no negotiating power (weak economy, inequality, mass immigration).So what happens? Everyone is poor, nobody is spending, the economy sucks, so they must stimulate more. This means the rich get even richer (Cantellon effect) and you get poorer. This continues until the economy collapses in an inflationary spiral and there is a currency reset or there is a revolution.
>>61317690>What does this have to do with the fake and gay job market? Well credit creation is effectively money printing, it creates more units of money chasing the same goods and services. So your wage is being devalued. In theory you would negotiate higher wages to keep up with inflation, but you can't because you have no negotiating power (weak economy, inequality, mass immigration).This isn't tracking. You're arguing for hyperinflation wheelbarrow money but in the same sentence youre saying people will have no jobs and wages won't rise to match. But interest rates rise with inflation, thats what people get wrong.You would be arguing for depression economics. In a hyperinflationary environment, long term rates would skyrocket, as present value dictates. Government yields, and especially long term yields encapsulate growth and inflation expectations of the economy. To exaggerate and illustrate the point, suppose you have heavily negative yields on a 100 year government treasury. Let's say its trading at $1500 for a $1000 face value. You could short it for $1500 and have to deliver only $1000 at maturity. You see what a negative interest rate implies? It's heavily deflationary, in that case dollars tomorrow are worth more than dollars today. Low rates aren't stimulating, and people point to covid because of msm selling that narrative, when in reality only heavily collateralized and trustworthy borrowers ( the top 10%) would qualify for that. Covid economics were juiced with fraud and government debt to sell the public the inverted story of interest rates.
>>61315751That’s the name of the game: capitalism. Once you have access to capital, you win. The name of the game isn’t “laborism” or some other such nonsense. No one ever told you that hard work would make you rich. That was a lie you chose to believe yourself. If you want to win, look for ways to gain access to capital. For instance, you could look for a multi family home and use your first time homebuyers loan to get the property with very little to nothing down. That will buy you some time as you can essentially live for free as you outsource your largest expense, shelter, to tenants who are beneath you in this neofuedal system. Act before 50 year mortgages are enacted, as they will flood the market with cheap cash and cause property prices to double from here. Also kek that you lump millennials in with boomers now. You must be a seething zoomer but oh well I’m casting you a bone here.
>>61317805Thanks ChatGPT.You're talking about nominal negative yields. Governments won't do that, they will print money to buy their own bonds to keep yields negative in real terms. This isn't deflationary, it is highly inflationary.
>>61317861>n't tracking. You're arguing for hyperinflation wheelbarrow money but in the same sentence youre saying people will have no jobs and wages won't rise to match. But interest rates rise with inflation, thats what people get wrong.You would be arguing for depression economics. In a hyperinflationary environment, long term rates would skyrocket, as present value dictates. Government yields, and especially long term yields encapsulate growth and inflation expectations of the economy. To exaggerate and illustrate the point, suppose you have heavily negative yields on a 100 year government treasury. Let's say its trading at $1500 for a $1000 face value. You could short it for $1500 and have to deliver only $1000 at maturity. You see what a negative interest rate implies? It's heavily deflationary, in that case dollars tomorrow are worth more than dollars today. Low rates aren't stimulating, and people point to covid because of msm selling that narrative, when in reality only heavily collateralized and trustworthy borrowers ( the top 10%) would qualify for that. Covid economics were juiced with fraud and government debt to sell the public the inverted story of interest rates.Your body is your capital to do with what you wish. That we aren't subject to chattle slavery (yet) is something to be positive about. Since you're a communist though, I expect you to claim maintenance of your body as soft slavery though.
It's all about wealth inequality
bump
the solution is a debt jubilee. total international finance shock therapy. whatever pain may come of this will be small fries in comparison to letting the system collapse beneath the weight of its contradictions
>>61319940Nope it's all about the fucking money printingThat's what's driving the inequalityIf we had a free market with no central bank, the massive price increases would be in wages and savings, not housing and stocks
>>61317876negative nominal yields happened in Europe. Perhaps using a negative interest rate in my present value example was confusing. The axiom of finance and economics is "A dollar today is worth more than a dollar tomorrow". Now let's assume the interest in our example is 0%. A dollar today is worth the same as a dollar in the future. Who lends in this scenario? Which entity will give you $10,000 if you pay them back the same amount 10 years from now? You see the point I'm trying to illustrate in these examples? There's no circulation of money, asset allocators accept paying a premium/are willing to forego returns in the real economy by parking capital in no yield instruments for their safety. Interest rates are the driving mechanism that forces out capital and nudges investment.
>>61315822>Boomer's children will inherit nothingThis. It's just fucked.
>>61315751>Older generations (boomers, gen x and millennials, although there's a split there) are for the most part clueless, or don't care about the wealth divide, since they're the asset owners.You're self-contradicting. Only a small % of people hold any real amount of assets, not 3 entire generations.
>>61321408You must be 17 if you find these childish fantasy scenarios deep.
>>61322292im deep in your ass retard (5.3 inches)
>>61315857TWO MORE WEEKS THEN I CAN HAVE SEX
>>61315751didnt read
>>61315786>good investments go up over time>I am angry about this!!!!!Jesus Christ lmao
>>61322376Do you have a cock cage and a butt plug right now or something? Is your definition of sex a 15" red veiny dildo from some degenerate high T dominatrix ? Why are you forced to wait two weeks? ELABORATE, NIGGER
>>61315786>Crypto? Should've bought in 2010 for 3 blueberries, sorry anon. Real estate? Should' bought 15 years ago. Trading cards? Sorry you weren't around in the 90s. CS2 skins? Worked for a while till recent crash.One thing we should be keeping an eye out for is the Next Thing like this, because it will come eventually. I used to think it was always too late, too late to get into CS2 skins, too late to get into crypto, and I missed so many opportunities due to that. But as a 30 year old boomer now, I have money to invest into the Next Thing.I remember in the 90s trading card were big was because pokemon was big, literally every kid on the schoolyard had some. I remember even hearing about some kid's parents were convinced to invest $500 into boxes of cards, intending to keep them sealed for a decade or more. Those boxes went for 250k last I heard. At the time I thought it was pure retarded and insanity to "invest" into cards that they could just print more of.At the same time we need to recognize the "beanie babies" and avoid them. I imagine labubu's are this generations beanie babies, a shitty forced meme that will be worthless in a decade outside of some collectors.So what is the Next Thing? Maybe something with fortnite, maybe something with steam, maybe something with minecraft but I feel like that already peaked. Maybe something with runescape or CoD. I don't really have much insight into what every kid/young adult is into, maybe it doesn't even exist yet. Maybe it will be collecting Wii's and PS3s.Maybe it will be nothing though and everyone will be focusing on escaping the rat race by finding jobs, investing in passive index funds, and complaining about housing and cost of living. Feels like the market for financial independence has grown rapidly with this next generation, but idk how to capitalize on that beyond creating a product targeted for them, and that's a hard game, I'd rather just be able to buy into something on the ground floor.
how many millions do I need to not become a serf?It’s interesting though that the new definition of serf seems to be someone who does fucking nothing all day. That’s my definition of royalty. Will they just kill everyone broke and lazy or should we expect some sort of forced labor?
>>61324578good point on the Next Thing. But I feel like we might lack some of the underlying factors that allow for this to take place. Like take trading cards for example. This was iconic for millennials growing up, but its their parents having money, and them growing up in better economic environment that allowed them to give into consumerism and frivolous purchases such as kid's toys. Now in 2025 if you look at the asset class, it's still the same people buying and selling those cards, albeit at insane prices. I might be wrong here but kids/teens aren't really into those things now. I agree that the Next Thing is most likely digital, but even that doesn't seem to stick. MMOs (like WoW or runescape) are dated and have already been proclaimed as nostalgia-core. Fortnite seems like it could be a contender but even that kinda fizzled out. I hear Roblox is popular although I have no clue. Maybe that's the point, there won't be noticeable Next Things because hobbies/interest will only continue to become segregated and hyper-niche.
