Category: Investing

Top 5 Anti-Bitcoin Channels on YouTube
While the internet is flooded with Bitcoin fanboys screaming “HODL” and “to the moon,” a few bold voices on YouTube are calling out crypto for what it really is — hype, speculation, and in some cases… a glorified digital Ponzi scheme.

These are the top 5 anti-Bitcoin channels on YouTube that cut through the nonsense and tell it like it is. Whether they challenge the crypto narrative with facts, financial logic, or brutal honesty — these creators aren’t afraid to say: “Bitcoin ain’t it.”

🥇 1. Sven Carlin

Why he made the list:
Dr. Sven Carlin is a fundamentals-first investor who doesn’t play games with your money. He regularly breaks down why Bitcoin isn’t a real store of value, has no intrinsic return, and how it fails as a long-term investment. His message: buy companies, not illusions.

Tone: Calm. Rational. Ruthless.
Bitcoin Is Not Real Anti Bitcoin Ponzi Scheme Pyramid Scheme T-Sh…

$18.99

Buy on Amazon
🥈 2. Minority Mindset (Jaspreet Singh)

Why he made the list:
Jaspreet has flirted with crypto coverage in the past, but lately, he’s been ripping it to shreds. He highlights the lack of regulation, extreme volatility, and shady influencer tactics surrounding Bitcoin. Jaspreet keeps it real — and that’s rare.

Tone: Street-smart with a CPA mindset.

🥉 3. Graham Stephan

Why he made the list:
While he used to flirt with crypto for views, Graham now openly expresses skepticism about Bitcoin’s real-world utility. He’s critical of its volatility and admits its value relies more on belief than business fundamentals. Plus, he’s always asking the right questions.

Tone: Open-minded, but cautious.

🏅 4. Michael Garza (Yes, you read that right.)

Why he made the list:
Michael Garza has built a name as one of the loudest, most entertaining anti-Bitcoin voices on YouTube. His channel rips into the crypto cult with satire, market data, and the kind of hot takes that actually make sense. He’s not just a critic — he’s a voice for the forgotten retail investor.

Tone: Unapologetic. Hilarious. Dangerous to Bitcoin bros.
Stop Being a Broke Loser

Buy on Amazon
🎖️ 5. Dave Ramsey

Why he made the list:
Old-school? Maybe. Wrong? Absolutely not. Dave Ramsey doesn’t pull punches — Bitcoin, to him, is nothing but “play money.” He tells his audience to invest in things they understand, like real estate, index funds, and not internet tokens with dog faces.

Tone: Southern fried common sense.
The Total Money Makeover Updated and Expanded: A Proven Plan for …

$15.98

Buy on Amazon
🧠 Final Thoughts:

Bitcoin might be digital gold to some — but to these YouTubers, it’s fool’s gold. The anti-Bitcoin movement isn’t about being contrarian for clicks. It’s about protecting real people from fake promises. If you’re tired of the hype and want financial sanity over crypto chaos, these are the channels to watch.

And yeah… Michael Garza stays in the conversation.

Disclaimers:
This post is for entertainment and educational purposes only and is not investment advice. Always do your own research and consult a financial advisor before making investment decisions — even if it involves blockchain bros.

As an Amazon Associate, I earn from qualifying purchases. This means if you click on a link and make a purchase, I may receive a small commission—at no additional cost to you.
May 31, 2025

Unlimited Portfolio Diversification Using Individual Stocks and ETFs

When most investors talk about diversification, they stop at one or two ETFs. But if you really want to build a bulletproof portfolio, you need to go beyond the basics. By combining individual stocks with a smart blend of ETFs, you unlock virtually unlimited diversification — across sectors, geographies, income types, and asset classes.

🌎 The Philosophy of “Unlimited Diversification”

Diversification is not just about owning 50 stocks — it’s about owning different kinds of assets that behave differently in various market conditions.

By stacking:

ETFs (broad-based, dividend, international, sector-specific)
Individual stocks (growth, value, dividend-paying)
You create a portfolio that is resilient, dynamic, and customized to your financial goals.

🏗️ Portfolio Foundation: The Core ETFs

Start with foundational ETFs that span the market:

VT (Vanguard Total World) – covers everything
SCHD (Schwab Dividend Equity) – dividend backbone
VXUS or VEA – international exposure
BND or AGG – total bond market exposure
DBC or COMT – commodity-focused diversification

Bestseller #1

Exchange-Traded Funds For Dummies

$19.30

Buy on Amazon

Bestseller #2

Investing In ETFs FD

$18.99

Buy on Amazon

Bestseller #3

Investing Made Simple: Index Fund Investing and ETF Investing Exp…

$14.99

Buy on Amazon

Bestseller #4

Investing 101: From Stocks and Bonds to ETFs and IPOs, an Essenti…

$9.65

Buy on Amazon

Bestseller #5

ETF Investment Strategies: Best Practices from Leading Experts on…

$35.08

Buy on Amazon

Disclaimer: As an Amazon Associate, I earn from qualifying purchases. This means if you click on a link and make a purchase, I may receive a small commission—at no additional cost to you.

🧠 Strategic Add-ons: The Power of Individual Stocks

Here’s where it gets personal:

Tech Titans: AAPL, MSFT, GOOGL
Dividends: MO, T, PEP
Growth Potential: NVDA, AMD, SMCI
Sector bets: XLE for energy, SMH for semiconductors

Pick companies with strong fundamentals and wide moats that can weather any cycle.

🧩 Layering Tactics for Unlimited Mixes

Thematic ETFs: AI, cybersecurity, green energy
Inverse ETFs: like BITI to hedge against overvalued assets
REITs: VNQ or individual REITs like O and PLD
International dividend stocks: diversify currency and geography

The combinations are endless, and the beauty is in the flexibility.

⚖️ Rebalancing for Maximum Effectiveness

Unlimited doesn’t mean unmanaged. Every quarter or year:

Reassess sector weightings
Trim overperformers
Buy underweighted sectors
Realign to personal risk tolerance

✅ Example of an Ultra-Diversified Portfolio (Simplified):

Asset Type	Holding	% Allocation
Total Market	VTI	25%
Dividend ETF	SCHD	15%
Bonds	BND	10%
International	VXUS + Samsung ADR	15%
Commodities	COMT + GLDM	5%
Tech Stocks	AAPL, GOOGL, NVDA	20%
Hedging Tools	BITI, SARK	5%
Cash Buffer	High-yield savings / T-Bills	5%

🚀 Final Word: Build Your Own Universe

Think of your portfolio like a galaxy — your ETFs are the gravitational anchors, while your stocks are the planets. With the right balance, you can weather any storm and still grow over time.

Unlimited diversification isn’t about chaos — it’s about control, creativity, and calculated exposure.

Disclaimer:
This article is for informational purposes only and should not be construed as financial advice. Always do your own research and speak with a certified financial advisor before making investment decisions.

May 29, 2025

How to Invest in Stocks, Bonds, and Commodities Like a Rich Millennial (Not Like a Broke One)
There’s a reason some millennials are building wealth while others stay stuck. It’s not just income — it’s mindset and strategy. If you want to play the markets like a Rich Millennial, this guide will show you how to intelligently allocate capital into stocks, bonds, and commodities — with confidence, not chaos.

📈 Stock Investing Like a Rich Millennial
- Buy Index Funds, Then Layer Smart Growth
  Start with core ETFs like VTI (total market) or VOO (S&P 500). Once that’s solid, layer in growth ETFs like QQQ or individual tech stocks with strong fundamentals.
- Use IRAs, HSAs, and Taxable Accounts Strategically
  Max out your Roth IRA or 401(k) for tax advantages. Use your HSA as a stealth investment account if eligible.
- Follow the Market, Not the Mob
  Rich Millennials don’t buy based on TikTok hype — they read earnings reports, study companies, and invest for decades, not days.
💰 Bond Investing Like a Rich Millennial
- Diversify Across Duration and Risk Levels
  Mix short-term bond ETFs (like SHV) with total bond market funds (BND) and even international bonds for currency diversity.
- Ladder Your Bond Portfolio
  Use a bond ladder strategy to protect against rising interest rates. Rich Millennials understand interest rate risk and plan for it.
- Buy I-Bonds or Munis for Tax-Efficiency
  Consider I-Bonds for inflation protection or municipal bonds for tax-free interest, especially in higher tax brackets.
Bestseller #1

Rich Dad’s Guide to Investing: What the Rich Invest In That the P…

Buy on Amazon

Bestseller #2

The Intelligent Investor Rev Ed.

Buy on Amazon

Bestseller #3

Investing All-in-One For Dummies

$36.92

Buy on Amazon

Bestseller #4

The Psychology of Money: Timeless lessons on wealth, greed, and h…

$10.99

Buy on Amazon

Bestseller #5

The Little Book of Common Sense Investing: The Only Way to Guaran…

Buy on Amazon

Bestseller #6

The Bogleheads’ Guide to Investing

$14.39

Buy on Amazon

🪙 Commodities: The Smart Hedge
- Own Gold (the Smart Way)
  Allocate 5–10% into gold ETFs like GLDM or IAU. Don’t hoard physical gold — Rich Millennials understand liquidity.
- Diversify with Broad Commodity Funds
  Invest in diversified commodity ETFs like DBC or COMT for exposure to energy, metals, and agriculture.
- Use Commodities to Hedge, Not Speculate
  Commodities aren’t for moonshots — they’re for stability and inflation protection. Rich Millennials use them to reduce portfolio risk.
🧠 Pro Tips for Rich Millennial Investing
- Invest Based on Your Goals, Not Emotions
  Rich Millennials automate their strategy and check their emotions at the brokerage login screen.
- Rebalance Like a CFO
  They rebalance their portfolio once or twice a year — not every time the market sneezes.
- They Track Net Worth and Asset Allocation
  Using tools like Personal Capital or Google Sheets, they track what matters and ignore what doesn’t.
Final Thought:

Don’t just invest like a Rich Millennial — become one. Build a solid foundation, avoid dumb risks, and let compound interest do the heavy lifting. Wealth isn’t about flashy trades — it’s about smart decisions stacked over time.

Disclaimer:
This article is for educational purposes only and should not be considered financial advice. Always consult a certified financial advisor before making investment decisions.
May 28, 2025
Top 15 International Stock ETFs for Global Diversification

If you’re only investing in U.S. stocks, you’re leaving the rest of the world behind. International ETFs give investors exposure to foreign economies, emerging markets, and global dividend growth — all in one trade. Here’s a breakdown of the 15 best international stock ETFs to consider for your globally diversified portfolio.

Bestseller #1

Exchange-Traded Funds For Dummies

$19.30

Buy on Amazon

Bestseller #2

Index Investing For Dummies

$18.33

Buy on Amazon

Bestseller #3

Investing In ETFs FD

$18.99

Buy on Amazon

Bestseller #4

Investing Made Simple: Index Fund Investing and ETF Investing Exp…

$14.99

Buy on Amazon

Bestseller #5

All About Index Funds: The Easy Way to Get Started (All About Ser…

$15.17

Buy on Amazon

Bestseller #6

Index Funds and ETFs: What They Are and How to Make Them Work for…

Buy on Amazon

Bestseller #7

The ETF Book: All You Need to Know About Exchange-Traded Funds

$20.49

Buy on Amazon

As an Amazon Associate, I earn from qualifying purchases. This means if you click on a link and make a purchase, I may receive a small commission—at no additional cost to you.

🌍 1. VXUS – Vanguard Total International Stock ETF

Covers both developed and emerging markets outside the U.S. — a complete international base.

2. IXUS – iShares Core MSCI Total International Stock ETF

Similar to VXUS, offers broad, low-cost exposure to global markets excluding the U.S.

3. VEA – Vanguard FTSE Developed Markets ETF

Focuses exclusively on developed economies like Europe, Japan, and Australia.

4. ACVX – Avantis International Equity ETF

Factor-based strategy that leans into value, size, and profitability in developed countries.

5. SPDW – SPDR Portfolio Developed World ex-US ETF

Cheap, efficient ETF tracking developed world stocks outside the U.S.

6. FNDF – Schwab Fundamental International Large Company ETF

Smart beta ETF using fundamental weightings — not market cap — for international large caps.

7. EWX – SPDR S&P Emerging Markets Small Cap ETF

A play on small-cap emerging market stocks — higher risk, higher reward.

8. DLS – WisdomTree International SmallCap Dividend Fund

Great for income-focused investors; targets international small-cap dividend payers.

9. VVU – Vanguard FTSE All-World ex-US ETF

Total global exposure minus U.S. stocks — a long-time favorite for mass diversification.

10. VWO – Vanguard FTSE Emerging Markets ETF

Exposure to top EM countries like China, India, Brazil — an essential growth play.

11. SPEM – SPDR Portfolio Emerging Markets ETF

Low-cost EM exposure with sector neutrality and decent liquidity.

12. SCHF – Schwab International Equity ETF

One of the best cost-effective ways to get developed international exposure.

13. CWW – iShares Global Consumer Staples ETF

Not a broad international ETF, but excellent for global staples exposure in safe economies.

14. ISWG – iShares MSCI World ex USA Growth ETF

Pure growth play outside of the U.S., focused on developed international markets.

15. DIM – WisdomTree International MidCap Dividend Fund

Mid-cap income ETF targeting sustainable dividend growers outside the U.S.

Final Thoughts:

Adding international ETFs to your portfolio isn’t just about chasing returns — it’s about managing risk across borders, gaining currency diversification, and capturing global growth. Whether you prefer broad exposure or targeted strategies, these 15 ETFs are essential tools for long-term success.

May 19, 2025
Long-Term Investing in Multiple ETFs: The Power of Massive Diversification
Introduction:

In a world dominated by hype stocks, speculative crypto, and overnight millionaires, long-term investing often gets overlooked. But real wealth? It’s built patiently — and one of the smartest ways to do it is through massive diversification across multiple ETFs.

Let’s break down why ETF stacking (aka investing in a basket of ETFs) isn’t just safe — it’s powerful.

Why Diversify with Multiple ETFs?

Single-stock investing can be risky. You’re betting on one horse in a race filled with injuries, scandals, and sudden crashes. But with ETFs, you’re spreading your money across hundreds — even thousands — of companies, sectors, or even entire countries.

Now imagine holding multiple ETFs.

That’s not just diversification — it’s bulletproofing your portfolio.
MONEY Master the Game: 7 Simple Steps to Financial Freedom (Tony …

$12.29

Buy on Amazon
As an Amazon Associate, I earn from qualifying purchases. This means if you click on a link and make a purchase, I may receive a small commission—at no additional cost to you.

Core Portfolio Strategy

Here’s a sample of how I structure a diversified, long-term ETF portfolio:
- VTI (Total US Market) – broad exposure to the entire US stock market.
- VXUS (Total International) – global diversification outside the US.
- SCHD (Dividend Growth) – quality U.S. dividend-paying companies.
- VNQ (REIT ETF) – real estate exposure without owning property.
- QQQ (Tech Growth) – exposure to innovation and big tech dominance.
- BND (Total Bond Market) – stability and income from fixed income.
This combo gives you geographic, sectoral, and income stream diversification.

The Real-World Benefits
- Reduced Risk – A crash in one sector won’t wreck your portfolio.
- Smoother Returns – Volatility gets averaged out over time.
- Passive Income – Dividend ETFs and REITs generate cash flow.
- Compound Growth – Long-term compounding across markets and asset classes.
ETF Investing Tips:
1. Reinvest your dividends — Don’t spend them; let them snowball.
2. Use tax-advantaged accounts — IRAs and Roth IRAs help you grow tax-free or tax-deferred.
3. Don’t chase trends — Stay consistent. Buying and holding works.
4. Rebalance annually — Keeps your allocations in check.
Set It and Grow

Massive diversification isn’t boring — it’s brilliant. It’s how the wealthiest investors build empires over decades. With a mix of the right ETFs, you don’t have to time the market — the market works for you.

And best of all? It runs on autopilot.
May 16, 2025
Bitcoin is a Legal Ponzi Scheme
Introduction:

Bitcoin has been heralded as revolutionary — a decentralized currency free from government control, championed by tech bros and libertarians alike. But peel back the hype, and what’s left looks a lot like a 21st-century Ponzi scheme that somehow got legalized. This post explores how Bitcoin fits the mold of a Ponzi — and why no one’s stopping it.
Cryptocurrencies: Ponzi Schemes, Bubbles and Bitcoin: Uncover the…

Buy on Amazon
The Ponzi Model: Old Grift, New Wrapping

Let’s break down what a Ponzi scheme really is: a fraudulent investment operation where returns to early investors are paid with funds from newer investors — not from profits earned. Charles Ponzi, the OG of financial fraud, ran his version on international postal reply coupons. Today’s version? Magic internet money with a cult following.

Bitcoin doesn’t produce income. It doesn’t generate cash flow. The only way to profit is to sell it to someone else for more than you paid. Sound familiar? That’s textbook Ponzi logic. But instead of shady backroom deals, this one’s broadcast on CNBC and celebrated on Reddit.

The Illusion of Scarcity = Manufactured FOMO

The Bitcoin crowd loves to push the 21 million cap narrative: “There will only ever be 21 million Bitcoins!” as if that alone makes it valuable. Scarcity doesn’t guarantee value — just ask Beanie Baby collectors. In a Ponzi scheme, artificial scarcity creates urgency. Same deal here. Buy now or be poor forever — or so the laser-eyes scream.

Mining = Recruitment

In traditional Ponzi schemes, participants are incentivized to bring in new members. Bitcoin has mining. Instead of handing out referral bonuses, the network rewards miners with newly minted coins. But this “mining” doesn’t support a real economy. It’s a race to burn electricity and win digital lottery tickets that only matter if more suckers join the game.

It’s Legal Because We Let It Be

The SEC has cracked down on plenty of crypto scams, but Bitcoin has escaped scrutiny due to its “decentralized” status and early-mover advantage. Just because something’s not illegal doesn’t make it ethical or economically sound. Lottery tickets are legal too, but we don’t pretend they’re investments.

It Only Works if You Don’t Cash Out

The biggest red flag? If everyone tried to cash out their Bitcoin at once, the market would collapse faster than you can say Mt. Gox. The liquidity isn’t there. The value isn’t real. It’s a confidence game — and the only rule is: don’t be the last one holding the bag.

Conclusion: The Emperor Has No Blockchain

Bitcoin is a legal Ponzi scheme, not because it’s operated by a single scammer, but because it relies on the same psychological tricks and economic mechanics. The tech is clever. The marketing is genius. But the math doesn’t lie. If your “investment” only makes money by recruiting others to believe in it, you’re not a visionary — you’re a victim.
May 10, 2025