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The US national debt has skyrocketed to a staggering $36.22 trillion, raising concerns about potential bankruptcy. The focus on this issue has intensified due to the alarming rise in interest payments, which have surged to an estimated $1.13 trillion for the fiscal year 2024. In this video, let’s uncover the problems the US economy faces, and whether they can stop a default.
? ? IN PARTNERSHIP WITH STAKE ? ?
????Get $10 FREE credit and a FREE U.S. stock, use code NewMoney: https://on.hellostake.com/newmoney
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? ? LEARN TO INVEST ? ?
Get started investing on the right foot with our step-by-step investing courses:
https://newmoney.education/
? ? CONTENTS ? ?
0:00 The US Debt Problem
6:20 Will the US Default?
8:20 The Statistic to Watch
12:00 Trump’s Dangerous Policies
My Podcast: https://www.youtube.com/c/TheYoungInvestorsPodcast
Brandon van der Kolk is authorised to provide general financial product advice in Australia and is an Authorised Representative (Number 1305795) of Guideway Financial Services Pty Ltd, AFSL Number 420367. Any advice is general & does not consider your financial situation, needs or objectives so consider whether it’s appropriate for you. Read Brandon’s Financial Services Guide available from https://guideway.com.au/NewMoney.pdf. Past performance is not a reliable indicator of future investment returns.
Contact email: hello@newmoney.contact
Note: I do not have the ability to answer all emails, but know that each email is read. If enquiring about sponsorship, New Money is currently only seeking sponsorship from established brands.
Book me for a consultation copy link and paste on internet browser
https://calendly.com/jorgethecreditexpert/30min?month=2025-04
or text credit to 727-497-7148 I can set it up for you
In this video, I’m breaking down the real reason auto loans are defaulting in record numbers in 2025—something most influencers, including Lucky Lopez, completely ignore.
?? This is NOT just about bad consumers or greedy lenders.
The dealerships are a HUGE part of the problem—and no one’s talking about it.
???? Why Should You Listen to Me?
I’ve approved and denied thousands of auto loans over the past 10+ years. I worked directly with dealer-submitted loan packages, structured indirect loans, and stopped fraud at the dealership level.
I’m not guessing—I’ve lived it as a Senior Consumer Loan Underwriter at places like Zion’s Bank, Arivo Acceptance, USF Credit Union, where I oversaw auto loans, recreational vehicles, unsecured lines, and more.
???? What Lucky Lopez Gets WRONG
Lucky says it’s all the borrower’s fault—or sometimes the lender.
But guess who’s missing?
???? The dealership.
???? Dealers are:
Packing loans with hidden fees and useless add-ons
Overpricing used cars way above value
Fudging income and employment to push approvals through
Exploiting first-time buyers with markups and bait-and-switch tactics
And then influencers blame the buyer for defaulting?! That’s not the whole truth.
???? Inside This Video You’ll Learn: ? How car dealerships are fueling auto loan defaults
? The shady tactics dealerships use to get consumers approved
? Why influencers like Lucky Lopez are missing key pieces of the puzzle
? How underwriting actually works behind the scenes—and what red flags WE see
? What you can do to protect yourself in 2025 when buying a car
???? Final Message
If you’re following advice from influencers with no underwriting experience, you’re playing a dangerous game.
???? Don’t fall for half-truths.
???? Learn how credit and auto loans really work from someone who’s been on the front lines.
???? Drop a comment — Have you ever felt ripped off by a dealership or gotten stuck with a bad auto loan? Let’s talk about it.
???? Subscribe for REAL finance and credit advice from a certified underwriter—not just viral opinions.
#creditrepair #credit #automobile #auto #autoloans #luckylopez
Botswana’s economy is on the brink.
In 2025, the diamond industry is collapsing, public debt is near its legal ceiling, and growth has flatlined. In this deep dive, SnapFlash unpacks the latest Econsult Economic Review, revealing shocking figures:
???? Mining down 24.1%
???? Budget deficit at P24.7 billion
???? De Beers’ sales down 44%
???? U.S. tariffs hit diamonds hard
???? Government savings nearly depleted
Botswana’s Economic Crisis 2025: Diamonds Fall, Debt Soars, and Reform Urgently Needed
Will urgent reforms come in time to prevent an economic meltdown? And can Botswana reduce its over-reliance on diamonds before it’s too late?
?? Watch now for a clear, compelling breakdown of the numbers, the risks, and what comes next.
#BotswanaEconomy #SnapFlashNews #DiamondCrisis #DebtCrisis2025 #BotswanaFinance #EconsultReview #DumaBoko #DeBeers #AfricanEconomy #USATariffs #PolicyReform
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Settle your debt: https://www.solosuit.com/solosettle?mkt=yt+negotiate+debt+settlement+on+your+own
Respond to a debt lawsuit: https://www.solosuit.com/debt_answer?mkt=yt+negotiate+debt+settlement+on+your+own
Make a motion to compel arbitration: https://www.solosuit.com/motion_to_compel_arbitration?mkt=yt+negotiate+debt+settlement+on+your+own
We wanted to know how to negotiate debt settlement with creditors and debt collectors, so we asked a lawyer, John Skiba:
0:00 Intro
0:46 Don’t threaten bankruptcy unless you actually mean it
1:28 Give them reasons to accept your debt settlement offer, such as hardship
2:20 Tell them about any other debts you have
2:45 Be prepared for a counteroffer
2:54 Make a fair offer
4:34 Negotiate with the opposing attorney
If you want to settle your debt, making empty bankruptcy threats isn’t the best move. Instead, illustrate your financial hardship and other obligations, such as tax debts or child support, which can affect a creditor’s ability to collect.
Make a realistic offer, and be prepared to receive a counteroffer.
BOUT: John Skiba has 21 years of experience in consumer bankruptcy and debt defense. He runs the @Consumer_Warrior YouTube channel and owns Arizona Consumer Law Group, PLLC: https://skibalaw.com/
In this episode of The Higher Standard, Chris and Saied take a wrecking ball to the myths of modern homeownership—armed with caffeine, sarcasm, and a well-earned chip on their shoulder. From the Fed’s tightrope act to the slow-motion implosion of consumer confidence, they unpack the real estate market’s latest mood swings, including a 5.9% drop in existing home sales and why homebuilder incentives might not be the golden ticket they appear to be. Whether it’s mortgage points, ARMs, or the lock-in effect, the guys explain how debt, equity, and psychology are shaping a volatile new paradigm for aspiring homeowners.
?? But wait—this isn’t just economic therapy. It’s also gym confessions, cold plunges, burrito-based diet plans, and a hard truth: you’re probably not timing the market better than Warren Buffett. The duo dives into the dangers of being house poor, why your credit score isn’t as accurate as you think, and why buying a home should be more about life fit than market timing. If you’ve ever wondered whether intermittent fasting, lifting routines, and homeownership prep could be discussed in the same breath, buckle up. This is The Higher Standard—where financial literacy meets real-life chaos and a lot of unsolicited fitness advice.
???? Share your experiences and thoughts in the comments below.
? *And don’t forget to subscribe!* ?? https://www.youtube.com/@higherstandardpodcast?sub_confirmation=1
—–
???? *Listen to THS on:*
??Apple Podcasts: https://podcasts.apple.com/us/podcast/the-higher-standard/id1596999039
??Spotify Podcasts: https://open.spotify.com/show/4GWJoCTk8jQRwKyutOERtP?si=70a1afa6b362474f
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???? *THS MERCH:* http://thspod.com
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*Welcome to the official YouTube channel of The Higher Standard, the #1 financial literacy podcast in the world.*
????This isn’t a different standard, it’s The Higher Standard. We go beyond just reporting news; we simplify complex economic events into clear, useful insights.
???? Have you left your “honest ??????????” review?
???? *Don’t just follow the norm; elevate your financial literacy with us. Subscribe and hit the bell (????) to never miss an episode.*
—–
???? *Let’s Connect!*
?? Instagram: https://www.instagram.com/higherstandardpodcast/
?? Website: https://www.higherstandardpodcast.com
???? Join The Higher Standard private email list for written articles, show resources & more: http://eepurl.com/hLykI1
???? *Follow Chris On:*
https://www.youtube.com/chrisnaghibi
https://www.instagram.com/chrisnaghibi/
https://www.facebook.com/ChrisNaghibi/
https://twitter.com/chrisnaghibi
https://www.tiktok.com/@chrisnaghibi
???? *Follow Saied On:*
https://www.instagram.com/saiedm.omar/
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???? *Referenced Show Links:*
CNBC
March home sales drop to their slowest pace since 2009
https://www.cnbc.com/2025/04/24/march-home-sales-drop.html
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? *Chapters:*
00:00:00 Welcome Back to The Higher Standard
00:03:07 Existing Home Sales Drop: What It Really Means
00:04:30 The Equity Illusion: Why Confidence May Collapse
00:06:44 The Disappearing Middle Class & Homeownership Divide
00:09:33 How Homebuilders Use Incentives to Survive
00:13:04 Mortgage Points & Buying Down Your Rate Explained
00:15:13 ARMs: Useful Tool or Financial Trap?
00:21:08 Financial Awareness 101: Stop Overcomplicating It
00:44:10 The Lock-In Effect: Why Nobody’s Selling
00:47:03 Rate Cut Fantasy: The Fed’s Political Tightrope
00:48:39 Homebuyer Prep: Credit, Cash, and Caution
01:01:00 The Case Against Timing the Market
01:03:02 Don’t Be House Poor (Seriously)
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?? *Disclaimer:*
Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.
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#TheHigherStandard #Podcast #FinancialLiteracy #HousingMarket #HomeownershipCrisis #MortgageRates #ARMloans #Equity #ConsumerConfidence #RecessionWatch #InterestRates #FedPolicy #RealEstateInvesting #MiddleClassShrinkage #CreditTips #PersonalFinance
