Are you ready for the next definitive moment in history? It’s here, and it’s called ChatGPT.ChatGPT is part of the larger trend of generative AI, which uses machine learning to automatically generate text, images and videos.OpenAI’s accomplishments in seven years are nothing short of impressive. Just imagine what it can do in 20 years. What about one hundred years?Which industries will benefit from the use of OpenAI’s artificial intelligence tools, and which ones will be disrupted? Artificial intelligence tools developed by OpenAI present a bear case for Google, a bull case for semiconductor stocks and disruptions to several other industries.
00:00 - Intro
1:36 - History of OpenAI
4:25 - Google’s Worst Nightmare6:55 - The Bull Case of AI
8:39 - Industries at Risk 1
11:06 - Looking ForwardBecome a better investor with our free 4x-weekly markets newsletter. It’s concise, informative and entertaining.

hd0992_preview.mp4

Cybersecurity Is Different From Anti Virus Programs.

Cybersecurity monitors information from the internet BEFORE it reaches your machine. Antivirus uses your device to do this task. Hackers exploit this vulnerability by tricking your machine so that you may believe the message or software you received is from the internet.

However, hackers are attempting to gain access through secondary devices. Cybersecurity solutions protect everything connected to YOUR network. This technology operates on blockchain peer-to-peer networks, so your browsing and identity information remains secure.

This is why I promote Vrai Anywhere.

I am Micropreneur with a business I need to protect.
I have done my due diligence, and I believe Vrai Anyware is the best Cyber Security Privacy, Protection, Performance For Identity, Device, and Network Suite.

Bozenna Slominski

Visit my website to learn more
https://cybersecuritypack.com. 

Video created by Sydni Chance

#CrowdPoint created the world’s most user-friendly Web3 token with #crwdunits.
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Cryptocurrencies backed by silver have gained attention because, at minimum, the coin will be equal to the metal's spot price." Sean Brehm, the CEO and Executive Chairman of #CrowdPoint Technologies

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Because I have done my due diligence. I believe you need to do the same and make the right decision.

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The value of Vogons is independent of other risks from the financial system. As a result, your investment is an excellent hedge from inflation and recession. Silver has been used for thousands of years because it has a history of holding value."
By Sean Brehm, the Executive Chairman and the CEO of #CrowdPointTechnologies

Share this with your friends!
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#crwdcapital, #vogonblockchain,#silver,#tokens

WOW!!!
Here are some helpful links for you to do your own research about Artificial Intelligence:

https://chat.openai.comhttps:/..../openai.com/dall-e-2 of it's rollout: https://azurecomcdn.azureedge.....net/mediahandler/aco this channel to get access to perks:https://www.youtube.com/channe....l/UC2v8xZo6zTLytkBkD Learn from the Past. Prepare for the Future. Our Amazon Store & Recommendations:https://amazon.com/shop/PrepsteadersHARVEST RIGHT FREEZE-DRYER:https://affiliates.harvestrigh....t.com/1155.htmlLehma For the Simpler Life.https://www.pjatr.com/t/SENJR0....ZKTkpDSEdGR09JQ0dMRk SHIELD for Home & Vehicle: https://www.empshield.com/?ref=PREPSTEADERSSUN OVENS for Easy Outdoor Cooking:https://www.sunoven.com/promot....ions/ref/cswartz0727 WITH US! We would love to get to know you! :)http://www.Prepsteaders.com http://www.Facebook.com/Prepsteaders http://www.Twitter.com/Prepsteaders http://www.Instagram.com/Prepsteaders http://www.Pinterest.com/Prepsteaders http://www.Patreon.com/Prepsteaders Send Mail to:PREPSTEADERS525 Royal Parkway 292312Nashville, TN 37229Special thanks to ChristosFilms.com for filming & editing our videos! Panasonic DMC-GH5 Camera we use: https://amzn.to/2ueeZiSAs an Amazon Associate I earn from qualifying purchases.#PREPSTEADERS, #deepfake, #chatgpt, #chatbot, #Homesteading, #Prepare, #SHTF, #TEOTWAWKI, #Survival, #Outliveyourlife, #shakedown, #prepsteading #openai

⁣Why are they hiding this about Klaus Schwab and the WEF? | Redacted with Clayton Morris


Klaus Schwab’s World Economic Forum is underway right now in Davos Switzerland. The globalists are meeting to decided how they will control you for the next decade of your lives. But who is Klaus Schwab? … the man that sits at the helm of the WEF

Clayton Morris

The great recession in 2009-2010 wiped out many businesses, and it nearly wiped me out...but I came up through the ashes with a new vision for a new decade, and that's what's led me to where I am today.

Sometimes you have to hit bottom before you can rise back to the top!Check out the top business conference in the world at the link below:https://10xgrowthcon.com/vegas

►Where to follow and listen to Uncle G:Instagram: https://instagram.com/grantcardoneFacebook: https://facebook.com/grantcardonefanSnapChat: https://snapchat.com/add/grantcardone.Twitter: https://twitter.com/GrantCardoneWebsite: http://grantcardonetv.comAdvertising: http://grantcardonetv.com/brandyourselfProducts: http://store.grantcardone.comLinkedIn: https://linkedin.com/in/grantcardone/iTunes: https://itunes.apple.com/us/po....dcast/cardone-zone/i More Grant CardoneInstagram: https://instagram.com/grantcardoneiTunes: https://itunes.apple.com/us/po....dcast/cardone-zone/i This is an AD FREE Channel with new videos added daily concerting #RealEstate #Investing #Entrepreneur #Money #Sales #Scaling #Leadership#Socialmedia #Marketing #10 #Speaking #Family #FinanceSubscribe to Grant Cardone YT Channel: https://www.youtube.com/user/G....rantCardone?sub_conf Cardone Career and BioTV Undercover BillionaireCEO - CardoneCapital.com Real Estate Holdings 2.2B AUMFounder - 10X Movement Business Conferences WorldwideAuthor - The 10X Rule. (Plus eight more biz books)Philanthropy Grant Cardone Foundation - Support kids without fathers. Raised Over 100M for Charites Apple Podcasts‎The Cardone Zone on Apple Podcasts‎Careers · 2020 (420 kB)https://is4-ssl.mzstatic.com/i....mage/thumb/Podcasts1 YouTubeGrant CardoneGrant Cardone is the author of eight business books, thirteen business programs, and is the CEO of seven privately held companies. Forbes calls him one of the top social media business influencers in the world. Cardone founded and manages a real estate investment firm, Cardone Capital, with $1Billion assets under management. He also travels the world consulting Fortune 500 companies, small business owners, startups and governments on business expansion. One of his enterprises recently hosted The 10X Growth Conference at Miami Marlins Park in Miami, Florida with over 34,000 business people and entrepreneurs in attendance from over fifty countries. Mr. Cardone resides in Miami with his wife, Elena Cardone and their two children, Sabrina and Scarlett. Visit https://grantcardone.com for his latest blogs, news, tips, training, and where to catch him LIVE!The information provided is for convenience only. It is not investment advice or a recommendation, it does not constitute a solicitation to buy or sell securities, and it may not be relied upon in considering an investment in a Cardone fund. Past performance is no guarantee of future results. Any historical returns expected returns or probability projections may not reflect actual future performance. All securities involve risk and may result in partial or total loss. Investment in Cardone funds is available only to independently verified “accredited investors” through an offering made in accordance with Rule 506(c) under Regulation D of the Securities Act of 1933. Before investing in any Cardone fund, prospective investors should consider carefully the investment objective(s), risks, arches, and expenses. While the data we use from third parties is believed to be reliable, we cannot ensure the accuracy or completeness of the data provided. Cardone Capital does not provide legal or tax advice. Prospective investors should consult with a tax or legal adviser before making any investment decision. This is not an offer, solicitation of an offer, to buy or sell securities nor a recommendation to buy or sell any securities. Past performance is not an indication of future results. Investing involves risk and may result in partial or total loss. Prospective investors should consider carefully investment objectives, risks, charges and expenses, and should consult with a tax, legal and/or financial adviser before making any investment decision. For additional information, visit www.cardonecapital.com/disclosures.

⁣⁣35m05s in 👍
⁣LOW CARBON IS BAD, HIGH CARBON GOOD , THAT CANT BE TRUE??? PLANTS AND TREES USE CARBON TO MAKE OXYGEN.
YOU WANT TO KNOW WHY THEY ARE PUSHING TO REDUCE CARBON AND CUTTING DOWN TREES AND PLANTS AND WHY OUR OXYGEN QUALITY IS SO POOR OVER THE DECADES AND HOW ALL THIS IS AFFECTING MOTHER EARTH, INCLUDING US. WATCH KENT HOVIND.
Kent Hovind talk on, how old the earth really is and the knowledge hidden from us . Humans were 12ft tall or taller, lived for over 900 years of age, plants were bigger, trees grew bigger and taller, making an oxygen rich environment.
35m05s in http://rumble.com/v27sewo-the-....age-of-the-earth-par

So hear it from the inventor himself!

All over America, large portions of our major cities are becoming disgusting cesspools of misery. The standard of living that fueled the growth and prosperity of previous generations no longer exist. And now, we’re confronting a decaying reality of rising poverty, homelessness, and substance abuse even in some of the nation’s wealthiest areas. The decline of our main metropolitan areas is just a reflection of an economy that is steadily falling apart. And the greatest threat we are currently facing is a rapidly deepening downturn that is likely to unleash civil unrest all around the country.

~ epiceconomist

Here's a great explanation of private internet exchanges on a safe blockchain called Vogon. Get your Crwdunits here. crwdview.com

This is interesting. Why give away bitcoins?

Massive loads of debt, changing consumer habits, supply chain problems, and declining profits all combined to create a lethal cocktail of bankruptcies and store closures that affected many retailers and restaurants across the U.S. in recent years. When governments started to introduce pandemic shutdowns in 2020, hundreds of thousands of companies were already struggling with slower foot traffic, weak cash flow, and gigantic piles of real estate debt. The temporary closures only set off a crisis that was already in motion, and the uncertainty brought on by the new downturn sent many businesses over the edge.
While about 10,000 retail stores closed since November 2019, more than 110,000 restaurants have been lost over that same period. For instance, over 400 Wendy’s locations have been sold in a 2021 bankruptcy deal. Since last year, over 130 Wendy’s restaurants have been closed all over the nation as its parent company struggles to renegotiate its $1 billion debt load. The survival of many underperforming locations is still on the line. With Wendy’s reporting a 10% profit loss in the last quarter, and its shares plummeting 26% since the start of the year, we soon may have to say goodbye to this beloved chain.
Given that Pizza Hut is operated by the same parent company as Wendy’s, NPC International, the famous pizza chin may be doomed to a similar fate. Over the past twelve months, more than 300 Pizza Hut locations have been shuttered. Executives noted during the court filing that the restaurant “had already been losing money before the pandemic, but its advent accelerated the folding”.
As one industry rises another goes down. With the rapid growth of e-commerce and food delivery services, many retail stores and restaurant locations are becoming redundant. Keeping a store open not only requires a reliable customer base but also good financial health to afford rampant real estate costs and rising wages. That's why these days companies are preferring to shut down their brick-and-mortar operations altogether and focus on relaunching their brands on online platforms to reduce costs and optimize profits. That may even save some popular brands that have been with us for decades. But at the same time, this also means that our shopping malls and city streets are likely to get even emptier, and that some of our beloved local stores where we've created wonderful memories may cease to exist before we even notice it. Unfortunately, that's the path the retail and food industry seems to be headed.
In a matter of months, U.S. consumers saw many of their favorite stores close doors and never reopen. Businesses are still coping with one of the most turbulent economic environments since 2008, and the survival of many of them is still on the line. With a new economic recession on the horizon, we're likely to see many more storefronts go dark in 2023. But today, we compiled 25 retail companies and restaurant chains that already filed for bankruptcy over the past couple of years and are now either battling to keep their remaining locations open or finally saying their last goodbyes.


For more info, find us on: https://www.epiceconomist.com/

Jean Nolan shares his thoughts on what to expect in 2023 in regards to Digital ID. They say it's coming!

⁣Our book publishing for business is a service for business owners and creatives and is a perfect writing companion that helps you write a manuscript which can be published to market.

In an effort to reduce carbon emissions, we're bringing 10,000 electric delivery rickshaws to India by 2025. #ClimatePledge

Visit Amazon's Day One Blog: https://blog.aboutamazon.com
Find us on Twitter: https://twitter.com/amazonnews and Instagram: https://www.instagram.com/amazon

Sean Brehm exclaiming Web3.

Source: Inside Analysis

⁣⁣https://www.youtube.com/watch?v=I0LplvN4M1s&t=27
Israeli startup Aquarius is creating a new type of engine in order to end reliance on gas. ⁣https://www.aquariusengines.com/

Can derivatives be extraordinarily complex? Sure but understanding the basics is actually quite simple and I did my best to ensure this video enables you to do just that.

Credits to OneMinuteEconomics

Is it time to get your money out of the system? If the bankers don't even trust the banks or have confidence in the FDIC, why should you?
Our expert Gold & Silver analysts have 25+ years of experience and can help you develop customized strategies to safeguard your assets. You can schedule a FREE strategy call through this link: https://calendly.com/itmtradin....g/youtube?utm_conten or by calling 877-410-1414.🆓 Get a FREE guide on how to buy gold and silver: https://learn.itmtrading.com/b....uyers-guide-yt?VID=H In the beginning, we had gold and silver money. Then they transitioned us to a gold certificate, so you'd walk in the bank with gold and you could walk out with the gold certificate. That helped you feel like, okay, well these had some value, until they don't. What’s coming up, is about to devastate most people and the foundation is laid, I'm gonna talk to you about the insurance and what's really happening underneath the surface that actually puts all of your wealth at risk.📖 Chapters:0:00 Wealth at Risk1:24 Deposit Reclassification 9:27 Deposit Insurance Fund Report13:43 Leverage Debt Machine16:08 FDIC Bankers Discuss Bail-In23:01 Central Banks Binge on Gold🔗 To see Lynette's slides, research links or questions from this video: https://[a]www.itmtrading.com%2Fblog%2Ffdic-plans-for-collapse-banks-buy-gold-and-plan-for-bail-ins%2F%F0%9F%91%8B[/a] STAY IN TOUCH WITH US ⬇️🔔Subscribe for critical info, strategies, and updates: https://www.youtube.com/user/I....TMTrading?sub_confir Schedule a Strategy Session: 877-410-1414🟩 Email us at services@itmtrading.com🟩 Official Homepage www.itmtrading.com 🟩 Videos & Research www.ITMTrading.com/Blog🟩 Listen On The Go: https://anchor.fm/itmtrading 🟩 ITM's Twitter: https://twitter.com/itmtrading 🟩 Lynette's Twitter: https://twitter.com/itmtrading_zang 🟩 Facebook: https://facebook.com/ITMTrading⭐️ FOLLOW OUR OTHER CHANNEL: Beyond Gold & Silver ➡️ https://www.youtube.com/c/Beyo....ndGoldSilver?sub_con BEWARE OF SCAMMERS 🚨 Accounts are impersonating ITM Trading in the comments. Our comments will have a distinguishable verified symbol. Please beware, we will never message you asking you to give us money or talk to us on other platforms such as WhatsApp. This is our only YouTube channel. _______________FYI: ITM Trading is comprised of Precious Metals and Economic Experts. We are not financial planners, nor do we do general financial consulting. We are Gold & Silver Strategists. We sell Gold & Silver to Strategic Investors who want to protect their wealth with the proper types, dates, and qualities of precious metals. For more info Call: 877-410-1414 For More Videos and Research, Click Here: https://www.ITMTrading.com/Blog🔒GET PROTECTED WHILE YOU CAN! 🔒If you're not already in a protected position for The Global Reset, call us for your free strategy consult now: 877-410-1414 WHY ITM TRADING?If you want to know what to DO about all of this, that's what we specialize in at ITM Trading. How do you protect your wealth for the next collapse and complete financial reset? Yes, Gold and Silver, but what types, what dates? How much of each? What strategy? And what long-term plan? If you're asking these questions, you're already ahead of the game...We're here to help, as our mission is to safeguard the public from the inevitable downfall of the dollar, global markets, and the current real estate bubble. As our Chief Market Analyst, Lynette Zang has over 50 years of experience in economics, banking, and currencies. Along with our entire team of consultants from financial backgrounds; we've spent the last 25 years developing a complete strategy designed not only to protect our clients from standard crashes and recessions...but to position them properly for a complete currency collapse and economic Reset (which is the stage we're now in). We are the most recommended precious metals company in the industry for a good reason because we create lifetime relationships with our clients and facilitate strategies for lifetime security. Find out if you're adequately protected today…ITM TRADING:Helping Protect Your Future, Freedom, and LegacyCall Today for Your 1st Strategy Session: 877-410-1414ITM Trading Inc. © Copyright, 1995 - 2022 All Rights Reserved.#insurance #finance #gold

Is it time to get your money out of the system? If the bankers don't even trust the banks or have confidence in the FDIC, why should you? Our expert Gold & Silver analysts have 25+ years of experience and can help you develop customized strategies to safeguard your assets. You can schedule a FREE strategy call through this link: https://calendly.com/itmtradin....g/youtube?utm_conten or by calling 877-410-1414.

🆓 Get a FREE guide on how to buy gold and silver: https://learn.itmtrading.com/b....uyers-guide-yt?VID=H

🗣 In the beginning, we had gold and silver money. Then they transitioned us to a gold certificate, so you'd walk in the bank with gold and you could walk out with the gold certificate. That helped you feel like, okay, well these had some value, until they don't. What’s coming up, is about to devastate most people and the foundation is laid, I'm gonna talk to you about the insurance and what's really happening underneath the surface that actually puts all of your wealth at risk.

📖 Chapters:
0:00 Wealth at Risk
1:24 Deposit Reclassification
9:27 Deposit Insurance Fund Report
13:43 Leverage Debt Machine
16:08 FDIC Bankers Discuss Bail-In
23:01 Central Banks Binge on Gold

🔗 To see Lynette's slides, research links or questions from this video: https://[a]www.itmtrading.com%2Fblog%2Ffdic-plans-for-collapse-banks-buy-gold-and-plan-for-bail-ins%2F[/a]

👋 STAY IN TOUCH WITH US ⬇️

🔔Subscribe for critical info, strategies, and updates: https://www.youtube.com/user/I....TMTrading?sub_confir

🟩 Schedule a Strategy Session: 877-410-1414
🟩 Email us at services@itmtrading.com
🟩 Official Homepage www.itmtrading.com
🟩 Videos & Research www.ITMTrading.com/Blog
🟩 Listen On The Go: https://anchor.fm/itmtrading
🟩 ITM's Twitter: https://twitter.com/itmtrading
🟩 Lynette's Twitter: https://twitter.com/itmtrading_zang
🟩 Facebook: https://facebook.com/ITMTrading

⭐️ FOLLOW OUR OTHER CHANNEL: Beyond Gold & Silver ➡️ https://www.youtube.com/c/Beyo....ndGoldSilver?sub_con

🚨 BEWARE OF SCAMMERS 🚨
Accounts are impersonating ITM Trading in the comments. Our comments will have a distinguishable verified symbol. Please beware, we will never message you asking you to give us money or talk to us on other platforms such as WhatsApp. This is our only YouTube channel.
_______________
FYI: ITM Trading is comprised of Precious Metals and Economic Experts. We are not financial planners, nor do we do general financial consulting. We are Gold & Silver Strategists. We sell Gold & Silver to Strategic Investors who want to protect their wealth with the proper types, dates, and qualities of precious metals. For more info Call: 877-410-1414

For More Videos and Research, Click Here: https://www.ITMTrading.com/Blog

🔒GET PROTECTED WHILE YOU CAN! 🔒

If you're not already in a protected position for The Global Reset, call us for your free strategy consult now: 877-410-1414

WHY ITM TRADING?

If you want to know what to DO about all of this, that's what we specialize in at ITM Trading. How do you protect your wealth for the next collapse and complete financial reset?

Yes, Gold and Silver, but what types, what dates? How much of each? What strategy? And what long-term plan?

If you're asking these questions, you're already ahead of the game...

We're here to help, as our mission is to safeguard the public from the inevitable downfall of the dollar, global markets, and the current real estate bubble. As our Chief Market Analyst, Lynette Zang has over 50 years of experience in economics, banking, and currencies. Along with our entire team of consultants from financial backgrounds; we've spent the last 25 years developing a complete strategy designed not only to protect our clients from standard crashes and recessions...but to position them properly for a complete currency collapse and economic Reset (which is the stage we're now in).

We are the most recommended precious metals company in the industry for a good reason because we create lifetime relationships with our clients and facilitate strategies for lifetime security.

Find out if you're adequately protected today…
ITM TRADING:

Helping Protect Your Future, Freedom, and Legacy
Call Today for Your 1st Strategy Session: 877-410-1414

ITM Trading Inc. © Copyright, 1995 - 2022 All Rights Reserved.

#insurance #finance #gold

⁣Define Your Ideal and Likely Buyers
Age - 25 to 60 years
Gender - Male or Female
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See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/
Learn More About Attending the Highest Rated and Most Reviewed Business Workshops On the Planet Hosted by Clay Clark In Tulsa, Oklahoma HERE:
https://www.thrivetimeshow.com..../business-conference
Download A Millionaire’s Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE:
www.ThrivetimeShow.com/Millionaire
See Thousands of Actual Client Success Stories from Real Clay Clark Clients Today HERE:
https://www.thrivetimeshow.com/testimonials/
“He that walketh with wise men shall be wise: but a companion of fools shall be destroyed.” - Proverbs 13:20
Improve Your Branding
Website
Business Cards
Menus
Print Pieces
Sign
Create a Turn-Key Marketing Systems
Optimize the Website
Launch Effective Online Advertisements
Created Signs and Wonders
Install a Tracking System
Install a Sales System
Create Pre-Written Sales Scripts
Install Call Recording www.ClarityVoice.com
Create Pre-Written Sales Emails
Create
Create a Customer Experience That WOWs!!!
Create a Music Playlist That WOWs
Create a Visual Experience That WOWs!!!
Create a 1st Time Customer Experience That WOWs!!!
Track the Profitability
Track Total Gross Sales
Track Total Profit
Install a Minimum Profit Margin
Install a Weekly Group Interview
Schedule the Job Interview at the Same Time Every Week
Install a Weekly All-Staff Meeting
Define Your A-Players
Define Your B-Players
Define Your C-Players
Create a Pattern of Success
Define
Act
Measure
Refine
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Gather Video Reviews

⁣Learn More About the www.BarbeeCookies.com Success Story
See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/
Learn More About Attending the Highest Rated and Most Reviewed Business Workshops On the Planet Hosted by Clay Clark In Tulsa, Oklahoma HERE:
https://www.thrivetimeshow.com..../business-conference
Download A Millionaire’s Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE:
www.ThrivetimeShow.com/Millionaire
See Thousands of Actual Client Success Stories from Real Clay Clark Clients Today HERE:
https://www.thrivetimeshow.com/testimonials/
“He that walketh with wise men shall be wise: but a companion of fools shall be destroyed.” - Proverbs 13:20
Improve Your Branding
Website
Business Cards
Menus
Print Pieces
Sign
Create a Turn-Key Marketing Systems
Optimize the Website
Launch Effective Online Advertisements
Created Signs and Wonders
Install a Tracking System
Install a Sales System
Create Pre-Written Sales Scripts
Install Call Recording www.ClarityVoice.com
Create Pre-Written Sales Emails
Create
Create a Customer Experience That WOWs!!!
Create a Music Playlist That WOWs
Create a Visual Experience That WOWs!!!
Create a 1st Time Customer Experience That WOWs!!!
Track the Profitability
Track Total Gross Sales
Track Total Profit
Install a Minimum Profit Margin
Install a Weekly Group Interview
Schedule the Job Interview at the Same Time Every Week
Install a Weekly All-Staff Meeting
Define Your A-Players
Define Your B-Players
Define Your C-Players
Create a Pattern of Success
Define
Act
Measure
Refine
Install a Quality Control Loop
Gather Objective Google Reviews
Gather Video Reviews

History of the plot against America.

What you need to know about the new financial system comming in to play
XRP, KLM, RIPPEL, CBDC, SMART CONTACTS, BITCOIN, BANKS, TOKENS, MARKET CRASH, GOLD, SILVER, QFS

This is not a conspiracy theory. It's here and a chip in the hand is needed to have total control of everything about your habits, lifestyle and money.

The U.S. retirement savings crisis is not on the horizon — it's already here, and the middle class is going to be decimated by it. The erosion of incomes in America is ultimately going to deteriorate the quality of life of millions of middle-class workers when they reach retirement age, and according to a new study, almost half of them are at risk of falling into or below the poverty line. Over the course of many decades, middle-class Americans have been induced to believe that our current retirement system can provide the security and stability they need when they reach their golden years, but that can’t be farther from the truth.
Just like food and housing, retirement is a necessity. Eventually, we’re all going to get to the point where we can’t work anymore, and society tells us that it is our duty to make arrangements for when that happens because, at some point, we will no longer be able to earn an income. However, the cost of retirement has risen exponentially, and middle-class Americans are going to be disproportionally impacted by this looming crisis. A new report released by Economic Policy Research found that the percentage of pay middle-income earners have to save to finance an adequate retirement has ballooned over the past two decades.
Research shows 31% of middle-income Americans are reportedly saving money for their future, of those only 9% of middle-income workers save 15% or more of their income for retirement, according to Pew Research Center data. At the same time, 42% are not currently saving for retirement. Meanwhile, 27% of middle-class workers have empty nest eggs. No wonder why a quarter of them expect to never retire, according to the Cuna Mutual Group 2022 Middle-Class Survey.
Against this background, a recent study by the Schwartz Center for Economic Policy Analysis at the New School has uncovered that nearly half of middle-class Americans will face a slide into poverty as they enter their retirement. The paper exposed that roughly 40% of Americans who are considered middle-class will fall into poverty by the time they reach age 65, while an additional 8% are likely to fall below the poverty line.
Our society makes us believe that only through financial discipline and individual effort we will be able to enjoy our senior years without major concerns. But the retirement crisis in America is less due to personal failure than structural failures. At the end of the day, savings are not the root of the problem with our retirement system. The main problem is that our wages have been steadily dropping for decades.
Corporations have been largely hoarding profits, giving CEOs generous bonuses, and barely readjusting what they pay to their employees so that their salaries can keep pace with inflation. While corporate executives have seen their pay skyrocket by 876% in the past forty years, our salaries have increased by just 41% over that same span.
Government policies and the underfunding of Social Security are a clear demonstration that authorities aren’t taking care of people’s interests. Instead, they’re making life harder for many of us. The mere mention of the idea that corporations should be held responsible for the impact they have on the lives of the 99% can make the elites hysterically complain that this is an attack on “wealth creators.” But what does that make the rest of us? If only we could impose the same kind of financial discipline on corporate executives and government leaders as we do on the middle class, then we would have a real answer to the retirement problem. 

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