The Higher Standard The Old Way of Getting Rich Is Dead (Here’s What Replaces It In 2026)
Dec 23, 2025
Frustration about money is real, especially for the under-40 crowd facing high mortgage rates and a broken housing market. The discussion shifts to where wealth is concentrating and why ownership matters more than ever. The hosts challenge outdated investment strategies, advocating for a focus on tech-driven assets like Bitcoin and QQQ. They explore the new economic divide between capital ownership and stagnant labor income. Finally, they emphasize the need to rethink financial frameworks for a changing world.
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Generational Frustration Is Real
- If you’re under 40, lived through zero rates and now high mortgage rates, feeling the system was rigged is experiential, not irrational.
- The episode reframes this anger as a prompt for adaptation, not moral outrage.
Wealth Concentration By Generation
- Wealth concentrates heavily with baby boomers who own appreciating assets like homes and stocks.
- Millennials and Gen X hold far less asset wealth, explaining much of today's intergenerational anger.
Choose Renting If Buying Stretches You
- Rent when flexibility matters or buying would stretch your finances too thin and reduce life experiences.
- Prioritize financial breathing room over forcing homeownership that sacrifices quality of life.