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The Divided States of America

Posted August 21, 2024

Matt Insley

By Matt Insley

The Divided States of America

Real talk today. Today you get a rant. If we happen to offend it’s just a consequence of the honest perspective we’re sharing.

The divisions in America today aren’t about race or gender, in the most macro sense. They aren’t about geography, background, or political alliances.

The divisions in America today are about money. They’re about rich vs. poor. They’re about haves vs. have nots. And, again in the most macro sense, we’re all among the have-nots.

Regular Americans haven’t had an inflation-adjusted increase in purchasing power since the early 1970s, according to Pew Research Center, CNBC and others.

Meanwhile, housing, education, healthcare and more have increased in price exponentially in the last two-plus generations.

That’s the problem. That’s what’s eating America alive from the inside out. The rich get richer, everyone else gets a government program.

The political class proposes things like $25,000 in incentives to buy a house. They talk about price controls on groceries. They forgive student loans.

The political class gives out these freebies so the underclass (pretty much everybody) can “have a clearer path to success.”

When in reality, the more free stuff floating around the economy… the further behind we all fall.

$35 trillion in debt later, here we are.

Send your opinions to, feedback@newsyoucanacton.com

Your Rundown for Wednesday, August 21, 2024...

“I’m From the Government, and I’m Here to Help”

President Reagan wasn’t kidding when he said these are the most terrifying words one could hear: “I’m from the government, and I’m here to help.”

As we discussed Monday, a truly beneficial conversation we could be having this election season is how do we make government smaller, how do we make it do less.

If you can’t already tell, we’re hung up on this Harris campaign proposal to offer first time homebuyers a $25,000 credit to buy a house.

FHA mortgages already provide generous provisions for first time homebuyers. When one government program, one intervention, isn’t enough… simply add more. That’ll fix it, right?

Furthermore, Axios of all places, quoting Mark Zandi of Moody’s, agrees $25,000 to buy houses will only result in higher home prices.

This isn’t the post-Great Recession version of homebuyer subsidies, after all. The game has changed.

How on God’s green earth does an incentive make housing more affordable?

How do proposed controls on grocery prices and retailer margins make groceries more affordable?

How does college loan forgiveness make higher education more affordable?

It doesn’t. None of them do.

All it really does is add to the debt burden, put regular people further behind the 8-ball and make our last real increasein purchasing power more distant.

But hey, the mainstream media wants to tell you all about the rockstar good time the Democrats are having at their convention in Chicago and how high enthusiasm is.

Market Rundown for Wednesday, Aug. 21, 2024

S&P 500 futures are up slightly this morning at 5,629.

Oil’s flat at $73.31.

Gold sits at $2,551.

And Bitcoin’s still working on getting back above $60,000 at $59,357.

Send your comments and questions to, feedback@newsyoucanacton.com

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