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- U.S. wealth has shifted to stocks from homes. There are big reasons to worry.
- The $5,250-a-Month Dividend Paycheck a 45-Year-Old Can Still Build by 65
The article models a five-fund mix (30% SCHD, 20% DGRO, 15% VIG, 20% DIVO, 15% Realty Income) and estimates that reaching $5,250 in monthly dividends by 65 requires about $1,821,000 at a 3.5% combined yield, or about $3,500 a month for 240 months at a 7% total return with reinvestment. A 3.6% yield lowers the capital needed to $1,742,739, while a 5% return raises the monthly contribution to about $4,431. Reinvestment matters: with 6% annual dividend growth, the 3.5% starting yield reaches about 11.1% on cost after 20 years, whereas taking cash distributions would leave the same contributions near $1.22 million. The plan depends on return assumptions, continued dividend growth and yield levels, and the article notes SCHD, DGRO and VIG are reasonably tax-efficient in taxable accounts while REIT payouts are mostly nonqualified.
- New Numbers Reveal a Brutal Reality for Young Americans Trying to Get Ahead
A Wall Street Journal analysis of Federal Reserve data found that between 2022 and 2025, inflation-adjusted median net worth rose 37% for families headed by someone 75 or older, while it fell 23% for families headed by someone under 35. The share of young families falling behind on loan payments rose from 12% in 2022 to 20% in 2025. The article argues that government policy is to blame, citing restrictive zoning that limits home supply and retirement benefits funded by younger workers, and calls for letting younger families keep more of what they earn and shrinking government's role in the economy. It also suggests this frustration may help explain the growing appeal of taxing the rich or wealth itself.
- The problem with 'good debt': Why borrowers should think twice about the label
Bryanna Hambrick bought a three-bedroom home in Columbus, Ohio, in 2022 hoping to build wealth, but her monthly payment ended up nearly $1,200, about $200 more than expected, after a property tax reassessment and a higher mortgage rate. Closing costs and unexpected repairs have kept her living paycheck to paycheck. Experts warn that labels like 'good debt' for mortgages and student loans can downplay risk, and former FDIC chair Sheila Bair says the presumption should always be against debt. Borrowers should run their own affordability calculations, plan to stay in a home for at least five years, and treat debt as a business decision with realistic expectations, according to financial psychologist Brad Klontz. The article also recalls about 3.8 million foreclosures between 2007 and 2010, according to a Federal Reserve Bank of Chicago analysis.
- The US housing market just took a turn : Unusual home sales trigger alarm and a big lawsuit . Is your nest egg exposed ?
A Hunterbrook Media investigation published Oct. 2 says Millrose Properties, a company Lennar split off in early 2025, bought more than 700 finished Lennar homes across at least 51 counties in 15 states, worth an estimated $200 million, in about a month. Millrose appears to be renting many of these homes, possibly at a loss, even though it was originally set up to hold land for Lennar. On Oct. 9, investors Leon and Sylvia Rubenstein filed a proposed class action against Millrose, its CEO and its CFO, alleging misleading statements; none of the claims have been proven in court. The report argues that without the Millrose sales, Lennar would have missed its delivery target, after missing four of five third-quarter targets, while Berkshire Hathaway bought about $350 million of Lennar stock to lift its stake above 10%. Hunterbrook is affiliated with an investment firm that was betting Lennar and Millrose stock would fall.
- Rising mortgage rates and home prices sidelining buyers but now is the time to purchase , report says
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- Ethereum delays Glamsterdam test after security devs flag risk to existing contracts
Ethereum developers postponed the Glamsterdam upgrade on the Hoodi test network, which had been due to activate on Oct. 26, after researchers warned that proposed gas rules could let existing smart contracts permanently record failed operations. ChainSecurity said EIP-8037 and EIP-8038 could leave some contracts with more or less gas than expected, potentially making errors permanent or causing otherwise valid operations to fail; for example, creating a new storage slot could require 110,020 gas when a separate allowance is exhausted, versus 22,100 under the old rules. No replacement date has been announced for the Hoodi test or its planned 200 million gas limit, and Ethereum's mainnet upgrade date remains unconfirmed. The findings describe how existing software would behave under the proposed rules and do not indicate that existing contracts are currently being exploited.
- Europe set to ban Russian gas imports; energy giant says it still has the whole world to sell to, gives Brussels 71 days to reconsider
Novatek CEO Leonid Mikhelson said on October 22, on the sidelines of the Verona Eurasian Economic Forum in Istanbul, that Russia cannot be isolated from the global LNG market. He said that if the EU's ban on Russian LNG imports takes effect on January 1, 2027, the company can redirect its cargoes to other markets. Mikhelson added that the EU still has 71 days to make any decision, and that Brussels is paying more attention to industrial production and energy security. He also said European companies with long-term contracts with Russia can keep cooperating to supply gas to markets outside Europe. On a US proposal for Europe to resume buying Russian oil and gas, he said it shows Washington is also concerned about industrial decline and job losses in Europe.
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