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Jul 16, 2026

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3 min read

The Average American Car Is Now 12.8 Years Old — the Highest Ever Recorded

New-car payments just hit $770 a month. Those two numbers tell the same story.

Ray Calloway
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Jul 15, 2026

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3 min read

Seven Years Ago, Washington's Interest Bill Was $375 Billion. Here's Where It Stands Now.

No roads, no carriers, no benefits — just the tab for borrowing Washington already did.

Ray Calloway
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Jul 14, 2026

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3 min read

The Headline Was 'Spermageddon.' The News Cycle Moved On. The Data Didn't.

A 57,000-man study across 53 countries confirms the drop — and after 2000, the annual rate of decline more than doubled.

Ray Calloway
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Jul 10, 2026

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2 min read

Everyone Blames Interest Rates. That's Only Half the Story.

Free-and-clear owners have never had a stronger balance sheet. The number worth sharing with your kids this weekend is a different one entirely.

Ray Calloway
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Jul 9, 2026

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2 min read

Your Retirement Portfolio Holds Exactly Zero Ounces of Gold.

Central banks are buying the one thing the printing press can't create. Your target-date fund is all-in on dollars.

Ray Calloway
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Jul 8, 2026

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2 min read

The $27,000 Your Employer Pays That Never Hits Your Bank Account

Employers cover about 74% of that family premium. Every dollar going there is a dollar not going to your salary or 401(k) match.

Ray Calloway
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Jul 7, 2026

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2 min read

Your 'Diversified' S&P 500 Fund Has 41 Cents of Every Dollar in 10 Companies

Apple, Microsoft, Nvidia, and seven others now make up nearly half the fund — and nearly half the risk.

Ray Calloway
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Jul 3, 2026

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2 min read

Before NAFTA, the U.S. Ran a Trade Surplus With Mexico

That $1.7 billion surplus is now a $197 billion deficit — and the deal meant to fix it nearly tripled the hole instead.

Ray Calloway
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Jul 2, 2026

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2 min read

Congress Has Known About This Math Since the Mid-1990s

The year before: $100 billion gone. The year before that: $70 billion. The drawdown is speeding up, not tapering off.

Ray Calloway
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Jul 1, 2026

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2 min read

You Grew Up in an America That Was 95% Native-Born. Your Grandkids Won't.

The Supreme Court ruling is today's headline. This chart shows what the court was actually ruling over.

Ray Calloway
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Jun 30, 2026

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2 min read

America Built a Record Number of New Factories. They Just Don't Need Workers.

The S&P Global PMI came in at 55.7 for June — a four-year high. Outside the pandemic, factory job cuts are running at their worst pace since 2009. One chart shows how both are true at the same time.

Ray Calloway
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Jun 26, 2026

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2 min read

When 17% of Apollo's Investors Asked Out, Apollo Said No

OWL, BX, ARES, APO, KKR — if your advisor put you in 'alternative income,' one of these may be sitting in your portfolio right now.

Ray Calloway
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