https://wealthfilings.pages.dev/ https://wealthfilings.pages.dev/how-money-really-works-part-2-how-money-is-created/2026-10-24https://i.ytimg.com/vi/IKsECKefaxs/hqdefault.jpgHow Money Really Works, Part 2: How Money Is CreatedHow money is created, in seven ways central banks explain: notes and coins, central bank reserves, central bank asset purchases, banks buying bonds, new loans, repayments and what keeps it all in check. For each one, how it works, its first step and its limit, with figures from central bank explainers, bulletins and rate statistics listed below. This video is information only, not financial advice. Subscribe for more numbers straight from official sources: Watch next: How Money Really Works, Part 1: What Money Really Is: Chapters 0:00 Intro 0:30 7. Notes and coins 2:13 6. Central bank reserves 3:54 5. Central bank asset purchases 5:37 4. Banks buying bonds 7:27 3. A new bank loan 9:11 2. Repaying a loan 10:46 1. What keeps money creation in check 12:32 Recap Sources - One central bank's quarterly bulletin article, Money creation in the modern economy (2014, first quarter), page and full article: and - The same central bank's explainer, How is money created? (page last updated 1 October 2019): - Another central bank's monthly report article, The role of banks, non-banks and the central bank in the money creation process (April 2017), summary page and full article: and - A third central bank's explainer, What is money? (two types of money, a car loan creating money, coins and banknotes): - The same central bank's explainer on minimum reserves (one percent of certain liabilities, six to seven week periods): - The same central bank's explainer on excess liquidity (how reserves are created, and why they have fallen since November 2022): - The same central bank's explainer on its asset purchase programme (two percent inflation target, purchases from investors on the secondary market): - The same central bank's bank interest rate statistics for August 2026, released 1 October 2026 (new loans to households for house purchase, overnight deposits from households): - A fourth central bank's explainer, Understanding quantitative easing (not printing cash, settlement balances…https://www.youtube.com/embed/IKsECKefaxs8092026-10-24 https://wealthfilings.pages.dev/how-inflation-works-explained-7-things-to-know/2026-10-23https://i.ytimg.com/vi/hyZY7chVn0E/hqdefault.jpgHow Inflation Works, Explained: 7 Things to KnowHow inflation works, explained in seven things to know: the basket and its weights, headline and core inflation, smaller packs at the same price, the two percent target, the real interest rate, real wages, and the doubling rule. For each one: what it is, how it works, the first step from official pages, what it takes, and its limit, because price indexes, targets and rules differ where you live. Every number comes from the official sources listed below; Henry is a fictional presenter, and this video is information only, not financial advice. Subscribe for more numbers straight from official sources: Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:32 7. The basket and its weights 2:18 6. Headline and core inflation 4:07 5. Smaller packs at the same price 5:48 4. The two percent target 7:31 3. The real interest rate 9:11 2. Real wages 10:42 1. The doubling rule 12:25 Recap Sources - An international statistical standard, the resolution concerning consumer price indices adopted in 2003: - A central bank's explainer, What is inflation?: - The same central bank's pages on its 2 percent inflation target and its strategy: and - The same central bank's explainer, What is the difference between nominal and real interest rates?: - The same central bank's economic bulletin box on real wages: - Another central bank's page, Inflation and the 2% target, and its explainer, What is inflation?: and - A third central bank's explainers and tools: Understanding the consumer price index (weights by household spending; substitution and other reasons the index may overstate the cost of living), Why we target 2% inflation (the midpoint of a 1 to 3 percent range; a target below 2 percent and the risk of deflation), its consumer price index page (trimmed and median core measures, total inflation beside core measures) and its inflation calculator: , , and - A fourth central bank's answers to frequently asked questions, on how it evaluates changes…https://www.youtube.com/embed/hyZY7chVn0E8072026-10-23 https://wealthfilings.pages.dev/7-more-ways-people-make-extra-money-and-how-each-one-works/2026-10-23https://i.ytimg.com/vi/xXk9T8aebtY/hqdefault.jpg7 More Ways People Make Extra Money, and How Each One WorksSeven more ways people make extra money, and how each one works: paid election-day work, survey interviewing, renting out a parking space, licensing photos through a stock library, pet care, childcare and tutoring in person. For each one, the first step, what it takes and its limits come from the official pages and help pages listed below, because licences, permits, insurance and tax rules differ where you live. Henry is our illustrated mascot, not a real person or a financial professional. This video is information only, not financial advice. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:30 7. Paid work at the polls 2:11 6. Survey interviewing 3:55 5. Renting out a parking space 5:40 4. Licensing photos through a stock library 7:29 3. Pet sitting, dog walking and home boarding 9:21 2. Babysitting, nannying and childminding 11:10 1. Tutoring in person 12:55 Recap Sources - One national election agency's employment page: - The same agency's poll worker page: - One national statistics office's page on field jobs in the community: - The same office's answers to frequently asked questions about field representative jobs: - A government's planning guidance, When is permission required?: - The same government's guidance on tax-free allowances on property and trading income: - Another tax authority's gig economy tax center: - A stock library's contributor help pages on selling work there, signing up, legal documentation (model releases, property releases and press credentials) and quality review: , , and - An international intellectual property organization's summary of a copyright treaty: - Statutory guidance for local authorities on licensing home boarding for dogs: - The same government's guidance on a licence to board cats or dogs: - The same government's guide to becoming a childminder or nanny: and - The same government's page on requesting a basic criminal record…https://www.youtube.com/embed/xXk9T8aebtY8312026-10-23 https://wealthfilings.pages.dev/6-ways-millionaires-compare-cost-risk-and-time-explained-how-each-one-works/2026-10-22https://i.ytimg.com/vi/5j3KU42Kebs/hqdefault.jpg6 Ways Millionaires Compare Cost, Risk and Time, Explained: How Each One WorksSix ways millionaires compare cost, risk and time before a money decision, explained: opportunity cost, borrowing costs as a yearly rate, cash against rising prices, one basket or many, risk against time, and fees over the years. For each one: what it is, how it works, the first step from official pages, what it takes, and its limit. The numbers come from the official sources listed below, including one central bank's survey of family finances; Henry is a fictional presenter, and this video is information only, not financial advice. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:30 6. What the money could do instead 2:28 5. Borrowing costs as a yearly rate 4:44 4. Cash against rising prices 6:52 3. One basket or many 8:59 2. Risk against time 10:52 1. Fees over the years 12:59 Recap Sources - A markets regulator's investor bulletin, How Fees and Expenses Affect Your Investment Portfolio (a $100,000 investment that grows 4% a year for 20 years: about $208,000 with a 0.25% annual fee, about $198,000 with 0.50% and about $179,000 with 1.00%; transaction and ongoing fees; the expense ratio in the prospectus; fee schedules, prospectuses, statements and questions to ask): - A markets regulator's Beginners' Guide to Asset Allocation, Diversification, and Rebalancing (time horizon and risk tolerance; large company stocks as a group have lost money on average about one out of every three years; cash equivalents and inflation risk; diversification between and within asset categories; added fees; rebalancing): - A markets regulator's investor page, Pay Off Credit Cards or Other High Interest Debt (most credit cards charge as much as 18% or more if the balance is not paid in full each month): - One country's lending rules, content of disclosures (the annual percentage rate described as the cost of your credit as a yearly rate; the finance charge; disclosures when the rate may…https://www.youtube.com/embed/5j3KU42Kebs8392026-10-22 https://wealthfilings.pages.dev/5-money-rules-for-women-building-wealth-explained-how-each-one-works/2026-10-22https://i.ytimg.com/vi/niFoR2SKCtk/hqdefault.jpg5 Money Rules for Women Building Wealth, Explained: How Each One WorksFive money rules for women building wealth, explained: a cash cushion of your own, an account in your own name, retirement saving that keeps going through career breaks, knowing your pension and its fees, and a plan for a longer retirement. For each one: what it is, how it works, the first step from official pages, what it takes, and its limit. The numbers come from an international organization's pension report, a development bank's global survey and the other official sources listed below; Henry is a fictional presenter, and this video is information only, not financial advice. Subscribe for more numbers straight from official sources: Watch next: 7 Ways Millionaires Turn Income Into Assets, Explained: Chapters 0:00 Intro 0:29 5. A cash cushion of your own 2:57 4. An account in your own name 5:15 3. Saving through career breaks 7:21 2. Your pension and its fees 9:33 1. A plan for a longer retirement 11:14 Recap Sources - An international organization's pension report, Pensions at a Glance 2025 (November 2025; the gender pension gap among pension recipients aged 65 and over fell from 28% in 2007 to 23% in 2024 on average across its member countries; women would live 22.8 years after leaving the labour market against 18.6 for men, 4.1 years or 22% longer, at 2024 mortality rates; mandatory pensions cushion about half of the effects of a five-year childcare break for mothers with two children; care credits, fees and fee caps): - A development bank's data blog on its Global Findex 2025 survey, More women have financial accounts, yet equal access and use remain works in progress (11 November 2025; 73% of women in low- and middle-income economies had a financial account in 2024, up 7 percentage points from 2021; women saving formally rose from 22% in 2021 to 36% in 2024): - A regional central bank's lesson, When the Unexpected Happens, Be Ready with an Emergency Fund (September 2025): - A deposit insurer's consumer page, Saving for the Unexpected and Your Future…https://www.youtube.com/embed/niFoR2SKCtk7262026-10-22 https://wealthfilings.pages.dev/5-financial-resilience-signals-wealthy-households-build-explained-how-each-one-w/2026-10-21https://i.ytimg.com/vi/b-txdTNspjs/hqdefault.jpg5 Financial-Resilience Signals Wealthy Households Build, Explained: How Each One WorksWages made up under half of the wealthiest tenth's total income in one survey, and that top tenth by net worth begins near two and a half million dollars. Five resilience signals follow, and the last one, spending below income, feeds all the others. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:28 5. Debt payments kept small next to income 2:48 4. Insurance against large losses 5:25 3. More than one source of income 7:39 2. Months of expenses set aside 9:41 1. Spending below income 11:21 Recap Sources - A central bank's report on its newest survey of family finances, October 2026 (the 2025 survey; the 90th percentile of net worth was 2,539,200 dollars; higher-income families generally save more, which can feed back into higher income from accumulated assets; the ability to service loans depends on the payments and on the income and assets available to meet them; borrowing plans rest on assumptions about the future; what payment-to-income ratios measure, and that they include only debt payments, not rent or lease payments): - The same central bank's historical tables for that survey, real 2025 dollars, rows for the 90th to 100th percentile of net worth in the 2025 survey (table 1: 81.5 percent saved, against 53.4 percent of all families; table 2: wages were 42.1 percent of the group's before-tax income, against 57.8 percent for all families; table 18: median payment-to-income ratio for debtors 9 percent, against 15.4 percent for all families): - The same central bank's variable definitions for that survey (saving means spending less than income over the past year): - The same central bank's report on its yearly survey of adults and household economics, May 2026 (savings for three months of expenses as a common measure of financial resiliency; 75 percent of adults with family income of 100,000 dollars or more had such savings; spending less than income and rainy day…https://www.youtube.com/embed/b-txdTNspjs7362026-10-21 https://wealthfilings.pages.dev/6-ways-wealthy-people-use-debt-without-losing-control-explained-how-each-one-wor/2026-10-21https://i.ytimg.com/vi/2xU1tdYoCwI/hqdefault.jpg6 Ways Wealthy People Use Debt Without Losing Control, Explained: How Each One WorksNearly two in three families in the wealthiest tenth carry debt, and that group starts near $2.5 million of net worth in one central bank's survey. Six ways they keep borrowing under control follow, ending with one ratio you can check today. Subscribe for more numbers straight from official sources: Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:29 6. The total cost, not the payment 2:24 5. The costliest debt first 4:23 4. Fixed or variable, chosen knowingly 6:38 3. Debt for what can hold value 8:39 2. A cushion before any new loan 10:39 1. Payments kept small next to income 12:35 Recap Sources - A central bank's report on its newest survey of family finances, October 2026: - The same central bank's historical tables for that survey, real 2025 dollars, rows for the 90th to 100th percentile of net worth in the 2025 survey: - A regional central bank's guide, Building Wealth: - A central bank's borrowing pages: Understanding the Basics of Borrowing (debt burden, paying down high-interest debt, borrowing to invest), ; Common Fees Associated with Loans (fees and early repayment penalties), ; How to Read and Understand Loan Agreements (the APR, comparing offers, asking questions, early payoff without penalties), ; Secured vs Unsecured Loans (lower rates, collateral), ; Fixed vs Variable Interest Rates, - One country's lending rules, content of disclosures: - A consumer agency's page, What is a debt-to-income ratio?: - A markets regulator's investor page, Pay Off Credit Cards or Other High Interest Debt: - A deposit insurer's consumer page, Saving for the Unexpected and Your Future: - A central bank's lesson, When the Unexpected Happens, Be Ready with an Emergency Fund: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/2xU1tdYoCwI8082026-10-21 https://wealthfilings.pages.dev/6-ways-high-earners-turn-salary-into-ownership-explained-how-each-one-works/2026-10-21https://i.ytimg.com/vi/J6W8NU-gDnU/hqdefault.jpg6 Ways High Earners Turn Salary Into Ownership, Explained: How Each One WorksForty percent of the highest-income tenth owned a business in one survey, and owning part of one is the first path here. Five more follow, including plans where some employers add free shares for each share bought from salary, and the last is about what nearly all top-income families hold. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:28 6. Owning part of a small business 2:21 5. Employee share plans 4:03 4. Automatic saving from pay 5:52 3. A home that builds equity 7:38 2. A workplace plan with a match 9:26 1. Shares of many companies, through funds 11:21 Recap Sources - A central bank's report on its survey of family finances, 2022 to 2025 (October 2026): 40 percent of families in the top decile of the income distribution owned a privately held business; 97 percent of families in the top decile held stock, directly or indirectly; homeownership in the top usual income decile rose from 89 to 92 percent; what usual income, business ownership and indirect holdings mean: - The same central bank's historical tables for that survey: - A tax authority's guide to employee share schemes, overview: - The same guide, share incentive plans: - The same guide, savings-related share schemes: - A markets regulator's investor education page, Build Wealth Over Time Through Saving and Investing: - The same regulator's bulletin, 12 Saving and Investing Tips: - The same regulator's page on mutual funds: - A bank regulator's consumer page, Starting Small Can Lead to Big Savings: - A consumer protection agency's booklet, Your home loan toolkit: A step-by-step guide: - A tax authority's page, Retirement topics: Vesting: - A small business agency's guide, Plan your business: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/J6W8NU-gDnU7382026-10-21 https://wealthfilings.pages.dev/7-asset-categories-wealthy-households-use-explained-how-each-one-works/2026-10-21https://i.ytimg.com/vi/ljSjJ_ugMBg/hqdefault.jpg7 Asset Categories Wealthy Households Use, Explained: How Each One WorksThe wealthiest tenth typically own over five million dollars in assets, in one central bank's newest survey, covering one country. Counting down seven categories, the last is their biggest typical holding, about 1.4 million dollars for those who have it. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:29 7. Cash kept for spending 2:10 6. Bonds: money lent for a set time 3:53 5. Stocks held directly 5:35 4. Pooled investment funds 7:25 3. Property beyond the home 9:14 2. A private business they own 11:01 1. Retirement accounts 12:50 Recap Sources - A central bank's report on its newest survey of family finances, October 2026: - The same central bank's historical tables for that survey, real 2025 dollars, rows for the 90th to 100th percentile of net worth: - A securities regulator's investor education site, Bank account basics: - The same site, How savings accounts work: - The same site, How bonds work: - The same site, Factors that affect bond prices and how to monitor them: - The same site, How stocks and dividends work: - The same site, How to evaluate companies when buying stock: - The same site, Questions to ask when buying mutual funds: - The same site, Investing in a rental property: the pros and cons: - The same site, Understanding real estate investments: - The same site, How defined contribution pension plans work: - A government business page, Buy an existing business: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/ljSjJ_ugMBg8302026-10-21 https://wealthfilings.pages.dev/how-to-read-stock-charts-explained-7-parts-of-a-chart/2026-10-21https://i.ytimg.com/vi/IvlUvlJxmaw/hqdefault.jpgHow to Read Stock Charts, Explained: 7 Parts of a ChartShares worth about 150 trillion dollars traded worldwide in 2025. Reading a stock chart starts with its two axes, and one of the seven parts here shows how a price can halve in one step while each owner's value stays the same. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:30 1. The two axes: time and price 2:10 2. The price marks: line, bar, and candle 3:55 3. Volume: how much traded 5:41 4. The range: the high and the low 7:22 5. The moving average 9:11 6. Dividends and splits 10:53 7. What a chart cannot tell 12:43 Recap Sources - An international development bank's World Development Indicators, Stocks traded, total value (current US$), World: - The same bank's definition of that indicator: - An official statistics guide, Statistics: Power from Data!, 5.5 Line chart: - A securities regulator's investor education glossary, Stock Quotes: - The same regulator's glossary, Closing Price: - The same regulator's glossary, Holiday Schedules and Trading Hours for the National Securities Exchanges: - The same regulator's glossary, Liquidity: - The same regulator's glossary, Bull Market: - The same regulator's glossary, Bear Market: - The same regulator's glossary, Stock Split: - The same regulator's glossary, Reverse Stock Splits: - The same regulator's glossary, Dividend: - The same regulator's glossary, Ex-Dividend Dates: When Are You Entitled to Stock and Cash Dividends: - The same regulator's glossary, Mutual Funds, Past Performance: - The same regulator's page, Stocks FAQs: - The same regulator's page, Public Companies: - Another securities regulator's investor education glossary: - A derivatives regulator's glossary: - A government statistics handbook, What are Moving Average or Smoothing Techniques?: - The same handbook, Single Moving Average: - The same handbook, Centered Moving Average: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated…https://www.youtube.com/embed/IvlUvlJxmaw8172026-10-21 https://wealthfilings.pages.dev/how-compound-interest-works-explained-7-things-to-know/2026-10-21https://i.ytimg.com/vi/aVvKJQQPa20/hqdefault.jpgHow Compound Interest Works, Explained: 7 Things to KnowOn average, 42 percent of adults solved an international survey's compound interest question: 100 dollars at 2 percent a year, left untouched for five years, ends up more than, exactly or less than 110? The answer opens seven things to know about compound interest, from interest on interest to how fees affect it. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:32 1. What compounding is 2:20 2. Interest on interest 4:04 3. The role of time 5:47 4. How often it compounds 7:38 5. The rate and the APY 9:23 6. Compounding on debt 11:07 7. Fees and compounding 12:55 Recap Sources - An international organization's report, 2023 International Survey of Adult Financial Literacy: - The same organization's 2022 toolkit for measuring financial literacy: - A markets regulator's investor education page, What is compound interest?: - The same regulator's glossary entry, Compound Interest: - The same regulator's official Compound Interest Calculator: - The same regulator's page, Small Savings Add Up to Big Money: - The same regulator's page, Pay Off Credit Cards or Other High Interest Debt: - The same regulator's bulletin, How Fees and Expenses Affect Your Investment Portfolio: - A central bank's education site, Growing Money: Compound Interest: - A regional central bank's guide, Building Wealth: - Official savings-account rules, definitions: - The same rules, account disclosures: - The same rules, advertising: - The same rules, Appendix A, Annual Percentage Yield Calculation: - A banking regulator's help pages on savings accounts: and Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/aVvKJQQPa208322026-10-21 https://wealthfilings.pages.dev/how-to-start-a-business-step-by-step-7-steps-explained/2026-10-21https://i.ytimg.com/vi/o_dOAyevYZs/hqdefault.jpgHow to Start a Business Step by Step: 7 Steps, ExplainedAround nine in ten businesses worldwide are micro, small or medium-sized enterprises. Starting one takes seven steps here, and one version of the business plan in step two can take as little as one hour, typically on one page. Rules differ from place to place. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:31 1. Market research 2:26 2. A business plan 4:19 3. Funding the start 6:04 4. Choosing a structure 8:01 5. Registering and licences 9:51 6. A business bank account 11:39 7. Taxes and records 13:31 Recap Sources - An international organization's page for Micro-, Small and Medium-sized Enterprises Day (MSMEs account for around 90% of businesses worldwide): - A small business agency's guide, Plan your business (market research and competitive analysis; traditional and lean business plans, the lean one as little as one hour and typically one page; startup costs, one-time and monthly, counting at least one year of monthly expenses; the break-even point and formula; self-funding, investors, crowdfunding and loans): - A small business agency's guide, Launch your business (choosing a business structure, registering, licences and permits, opening a business bank account): - A small business agency's guide, Manage your business (accounting help, what someone must manage, structure and location decide which taxes apply): - A government business portal, Guide to starting a business (research your market, business plan checklist, common structures, business names, licences and permits, start-up costs, record keeping and tax checklist): - The same portal, Setting up your finances checklist (when a separate business bank account is optional or required, record keeping, cash and accrual accounting): - The same portal, Choose your funding (debt and equity finance, self-funding, crowdfunding, unrequested funding offers): - A government guide, Set up a business (sole trader and…https://www.youtube.com/embed/o_dOAyevYZs8712026-10-21 https://wealthfilings.pages.dev/7-ways-to-spend-on-value-not-status-explained/2026-10-21https://i.ytimg.com/vi/1W5Ss9qOj_Q/hqdefault.jpg7 Ways to Spend on Value, Not Status, ExplainedGiven an extra month's income, the wealthiest one percent would save about 80 percent, in one central bank's survey. In a regulator's example, a 15,000-dollar used car, financed and run for five years, costs over 50,000 dollars, and that total cost is the first of seven value-over-status checks. Examples are labeled as examples. Subscribe for more numbers straight from official sources: Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:35 1. The total cost, not the price tag 2:17 2. Quality that lasts 4:01 3. The afford-it check 5:39 4. Big purchases without long loans 7:17 5. Card balances paid in full 8:53 6. Offers compared across providers 10:47 7. Extra money stays extra 12:29 Recap Sources - A central bank's report on its newest survey of family finances, October 2026 (credit card debt excludes balances paid in full and is the most widely held type of debt; vehicle ownership and vehicle loans): - The same central bank's tables for that survey, real 2025 dollars (table 9: 94.7 percent of the top tenth by net worth hold vehicles; alternate table 13: 20.4 percent of that group hold vehicle loans and 15.9 percent carry credit card balances, against 32.1 and 44.7 percent of all families): - The same central bank's staff note on the survey's new question about a one-month income windfall (answers are hypothetical; households in the top 1 percent by net worth would save 79.8 percent of it, in the accessible data of figure 3): and - An international organization's 2023 International Survey of Adult Financial Literacy (39 countries and economies; on average 70 percent of adults carefully consider if they can afford something before buying it; 26 percent compare financial products across providers): - A financial regulator's 2016 media release on the real cost of buying a car (worked example: a 15,000-dollar used car on finance would cost a total of over 50,000 dollars over 5 years with interest and running costs): - A consumer…https://www.youtube.com/embed/1W5Ss9qOj_Q8052026-10-21 https://wealthfilings.pages.dev/7-ways-rich-families-keep-wealth-across-generations-explained/2026-10-21https://i.ytimg.com/vi/wfe6WHrscvw/hqdefault.jpg7 Ways Rich Families Keep Wealth Across Generations, ExplainedUp to 66 percent of the wealthiest fifth report receiving inheritances or gifts, according to an international organization's report. Seven ways families keep wealth across generations follow, from a written will kept up to date to gifts made during life. Rules differ by place. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:32 1. A written will, kept up to date 2:20 2. A trust that holds family assets 4:07 3. A named beneficiary on each account 5:51 4. Life insurance sized to the family's needs 7:31 5. Money lessons for the next generation 9:26 6. A family business with written rules 11:22 7. Gifts during life, not only at death 13:11 Recap Sources - An international organization's summary of key findings on inheritance taxation (2021): wealth transfers include gifts and inheritances; between one quarter and one half of households report receiving an inheritance or a substantial gift; among the wealthiest 20% of households, 39% to 66% depending on the country; wealth transfers may increase in value and in number: - A government guide, Making a will (printable version: what a will sets out, keeping it safe, making it legal, reviewing it every 5 years and after any major change): - A tax authority's guide, Trusts and taxes (printable version: settlor, trustee and beneficiary, what trusts are for, the trust deed): - A government page, Applying for probate: what is probate: - A tax authority's page, Rules on giving gifts (what counts as a gift, regular payments from income, keeping records of gifts): - A government health agency's checklist, Getting Your Affairs in Order: Documents to Prepare for the Future (will, living trust, papers in one place, reviewing plans at least once each year): - A markets regulator's investor page, Transferring Assets (transfer on death registration): - An insurance regulator's education page, Insurance products: Life insurance (term and whole…https://www.youtube.com/embed/wfe6WHrscvw8482026-10-21 https://wealthfilings.pages.dev/7-stock-market-basics-for-beginners-explained/2026-10-21https://i.ytimg.com/vi/3lRakOBel4o/hqdefault.jpg7 Stock Market Basics for Beginners, ExplainedListed companies worldwide ended 2024 worth about 125 trillion dollars, spread across about 44,000 companies. Seven basics explain that market, from what a share is to how fees add up, and number four shows how its value is measured. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:32 1. A share: a piece of a company 2:22 2. The exchange: where shares trade 4:07 3. The price: what moves it 5:55 4. The index: a basket of stocks 7:43 5. Dividends: a share of the profits 9:30 6. Risk and diversification 11:26 7. Costs and fees 13:13 Recap Sources - An international organization's Corporate Governance Factbook 2025: - An international organization's report, 2023 International Survey of Adult Financial Literacy: - A securities regulator's investor education page, Stocks FAQs: - The same regulator's page, Market Participants: - The same regulator's page, Executing an Order: - The same regulator's page, Types of Orders: - The same regulator's page, Public Companies: - The same regulator's glossary, Bid Price/Ask Price: - The same regulator's glossary, Price-earnings (P/E) Ratio: - The same regulator's glossary, Market Indices: - The same regulator's page, Index Funds: - The same regulator's glossary, Dividend: - The same regulator's glossary, Ex-Dividend Dates: When Are You Entitled to Stock and Cash Dividends: - The same regulator's Beginners' Guide to Asset Allocation, Diversification, and Rebalancing: - The same regulator's Investor Bulletin, How Fees and Expenses Affect Your Investment Portfolio: - The same regulator's page, Check Out Your Investment Professional: - Another securities regulator's investor education page, Factors that can affect stock prices: - The same regulator's page, How stocks and dividends work: - A financial regulator's page, How to check a firm or individual is authorised: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated…https://www.youtube.com/embed/3lRakOBel4o8502026-10-21 https://wealthfilings.pages.dev/how-to-build-wealth-step-by-step-7-stages-explained/2026-10-21https://i.ytimg.com/vi/dYCPLxWcQoE/hqdefault.jpgHow to Build Wealth Step by Step: 7 Stages, ExplainedPaying off high-interest debt beats any investment strategy, says an official investor page, and that is stage three of the seven covered here. The stages go in order from tracking income and spending to planning what you pass on. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:28 1. Track income and spending 2:14 2. Build emergency savings 3:56 3. Pay down high-cost debt 5:42 4. Save through a retirement plan 7:30 5. Invest for the long term 9:27 6. Protect it with insurance 11:19 7. Plan what you pass on 13:00 Recap Sources - A central bank's wealth-building guide, Building Wealth: A Beginner's Guide to Securing Your Financial Future (a budget from monthly income, daily expenses and monthly bills; assets minus liabilities equals net worth; three to six months of living expenses recommended for a rainy day; a savings account at a bank or credit union as a first step; automatic savings; listing each debt's balance, interest rate and monthly interest; employer matching; compound interest; risk and return; diversification; insurance basics; the beneficiary of a life policy): - The same central bank's page about that guide: - An international organization's report, 2023 International Survey of Adult Financial Literacy (39 countries and economies; 38% of adults report having money left over at the end of the month; 43% could cover their living expenses for at least three months without borrowing money or moving house if they lost their main source of income; 46% of adults who hold a savings, investment or retirement product understand compound interest; 36% of adults hold some type of insurance product; keeping a note of spending and making a plan to manage income and expenses): - An international organization's Recommendation for the Good Design of Defined Contribution Pension Plans (automatic enrolment with the possibility to opt out; financial incentives; automatic and…https://www.youtube.com/embed/dYCPLxWcQoE8402026-10-21 https://wealthfilings.pages.dev/6-ways-to-protect-your-wealth-from-inflation-explained/2026-10-21https://i.ytimg.com/vi/K7nIonVYd48/hqdefault.jpg6 Ways to Protect Your Wealth From Inflation, ExplainedNinety-seven percent of top-income families held stock in one central bank's 2025 survey. The video looks at six ways to protect wealth from inflation, from knowing your own inflation rate to building skills that raise your income, and comes back to those families at number five. Results vary, and rules differ where you live. Subscribe for more numbers straight from official sources: Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:31 1. Your own inflation rate 2:21 2. A cash reserve that earns interest 4:20 3. Inflation-linked government bonds 6:15 4. Fixed or variable rates on debt 8:24 5. Diversified long-term ownership 10:55 6. Skills that raise your income 12:56 Recap Sources - A central bank's page on its two per cent inflation target and the purchasing power of money: - The same central bank's page on measuring inflation with a basket of goods and services: - A statistics office's note on calculating your personal inflation rate: - The same statistics office's personal inflation calculator page: - A central bank's report on its survey of family finances, October 2026 (amounts adjusted for inflation; certificates of deposit held by 10.7 percent of families in 2025, up from 6.5 percent in 2022; stock held by 97 percent of families in the top decile of usual income in 2025; the real value of equity holdings rose for each income group from 2022 to 2025): - A markets regulator's investor page, Build Wealth Over Time Through Saving and Investing: - The same regulator's Beginners' Guide to Asset Allocation, Diversification, and Rebalancing: - A central bank's explainer on interest rate changes and what they mean for loans and savings: - A treasury's page on its inflation-protected bonds: - A markets regulator's investor bulletin on fixed income investments and interest rate risk: - A central bank's borrowing guide, Fixed Vs. Variable Interest Rates: What's the Difference?: - A central banker's speech, Inflation and…https://www.youtube.com/embed/K7nIonVYd488322026-10-21 https://wealthfilings.pages.dev/how-to-start-investing-step-by-step-7-steps-explained/2026-10-21https://i.ytimg.com/vi/Q-Xxc_xh_Qk/hqdefault.jpgHow to Start Investing Step by Step: 7 Steps, ExplainedFees of a quarter percent instead of one percent leave nearly 30,000 dollars more, in a markets regulator's example of 100,000 dollars invested for twenty years. That is step five of seven, which run from setting a goal and a time horizon to starting small and investing regularly. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:33 1. Set a goal and a time horizon 2:19 2. Build a reserve and clear costly debt 4:04 3. Learn stocks, bonds, and funds 5:47 4. Understand risk and spread it 7:42 5. Compare costs and fees 9:29 6. Check that the seller is registered 11:22 7. Start small and invest regularly 13:01 Recap Sources - A markets regulator's investor roadmap, Save and Invest: - The same roadmap, Define Your Goals: - The same roadmap, Figure Out Your Finances: - The same roadmap, Small Savings Add Up to Big Money: - The same roadmap, Pay Off Credit Cards or Other High Interest Debt: - The same roadmap, Save for a Rainy Day: - The same roadmap, Understand What It Means to Invest: - The same roadmap, Diversify Your Investments: - The same roadmap, Gauge Your Risk Tolerance: - The same roadmap, Learn About Investment Options: - The same regulator, Asset Allocation and Diversification: - The same regulator, Understanding Fees: - The same regulator, Five Questions to Ask Before You Invest: - The same regulator, Working with an Investment Professional: - The same regulator, Stocks FAQs: - The same regulator, Bonds FAQs: - The same regulator, Mutual Funds: - The same regulator, What is Risk?: - The same regulator's glossary, Dollar Cost Averaging: - An international organization's report, 2023 International Survey of Adult Financial Literacy: - Another financial regulator's page, Protect yourself from scams: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/Q-Xxc_xh_Qk8332026-10-21 https://wealthfilings.pages.dev/7-cash-flow-systems-that-build-wealth-explained-how-each-one-works/2026-10-21https://i.ytimg.com/vi/8eOPsfEQ914/hqdefault.jpg7 Cash-Flow Systems That Build Wealth, Explained: How Each One WorksTen percent of one country's families are worth over 2.5 million dollars, and the savings, retirement and card figures behind them come from the same central bank survey. Seven cash-flow systems follow, beginning with paying yourself first on every payday, with the biggest of those figures at number five. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:30 1. Pay yourself first 2:14 2. A separate account for bills 3:57 3. An emergency fund 5:35 4. A spending plan 7:25 5. Automatic investing at work 9:18 6. A debt payoff order 11:00 7. A yearly review 12:51 Recap Sources - A central bank's report on its newest survey of family finances in one country, October 2026: - The same central bank's historical tables for that survey, real 2025 dollars, rows for the top tenth of families by net worth: - A regional central bank's guide, Building Wealth: A Beginner's Guide to Securing Your Financial Future: - A deposit insurance agency's consumer page, Starting Small Can Lead to Big Savings, January 2024: - A deposit insurance agency's consumer page, How to Dig Out of Debt? Grab More Than One Shovel: - A deposit insurance agency's consumer page, Take a New Look at Your Money Habits, May 2021: - A markets regulator's investor education page, 12 Saving and Investing Tips: - A markets regulator's investor education page, Build Wealth Over Time Through Saving and Investing: - A markets regulator's investor education page, Save for a Rainy Day: - A markets regulator's investor education page, Pay Off Credit Cards or Other High Interest Debt: - A markets regulator's investor education page, Beginners' Guide to Asset Allocation, Diversification, and Rebalancing: - An international organization's framework of financial competences for adults, 2022: - An international organization's report, 2023 International Survey of Adult Financial Literacy: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for…https://www.youtube.com/embed/8eOPsfEQ9148282026-10-21 https://wealthfilings.pages.dev/5-traits-of-the-wealthiest-families-explained-how-each-one-works/2026-10-21https://i.ytimg.com/vi/VETnmVjRBBA/hqdefault.jpg5 Traits of the Wealthiest Families, Explained: How Each One WorksJoining the wealthiest tenth takes 2,539,200 dollars of net worth in one central bank's survey. Five traits stand out among those families, from planning to save most of a surprise to holding fixed-term deposits more than twice as often as families overall. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:22 1. They plan to save most of a surprise 2:11 2. Wages are only part of their income 4:10 3. A smaller share in everyday accounts 6:06 4. Many own company shares directly 8:06 5. Fixed-term deposits, over twice as often 9:45 Recap Sources - A central bank's report on its triennial survey of family finances, Changes in Family Finances from 2022 to 2025, October 2026: - The same central bank's research note on how families would use a surprise month of income, October 2026: - Accessible data for that research note: - The survey's historical tables, 1989 to 2025, real 2025 dollars: - Another central bank's survey of household finances, 2022 wave: methods, results and changes since 2020: - A survey run by central banks and statistics offices in many countries, Household Finance and Consumption Survey, wave 2023, statistical tables: - A deposit insurance agency's consumer page, Saving for the Unexpected and Your Future: - A central bank's regional office, Building Wealth: A Beginner's Guide to Securing Your Financial Future: - A markets regulator's investor page, Stocks: - A markets regulator's investor page on fixed-term deposits: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/VETnmVjRBBA6332026-10-21 https://wealthfilings.pages.dev/7-ways-millionaires-turn-income-into-assets-explained/2026-10-21https://i.ytimg.com/vi/sZRhlV2q9wk/hqdefault.jpg7 Ways Millionaires Turn Income Into Assets, ExplainedEach family in the top ten percent by net worth is worth at least $2.5 million in one country's newest central bank survey. Their seven assets start with the home they live in and end with the quiet one, which an official investor page lists before any investing. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:33 1. A home of their own 2:07 2. Retirement accounts 3:51 3. Stocks and funds 5:37 4. A business of their own 7:21 5. Other real estate 9:07 6. Bonds 10:49 7. Cash reserves 12:24 Recap Sources - A central bank's report on its newest survey of family finances, October 2026 (table A.2): - The same central bank's historical tables for that survey, real 2025 dollars, rows for the 90th to 100th percentile of net worth (table 9): - A consumer protection agency's booklet, Your home loan toolkit: A step-by-step guide: - A markets regulator's investor education page, Build Wealth Over Time Through Saving and Investing: - The same regulator's investor page on stocks: - The same regulator's investor page on mutual funds: - The same regulator's investor page on bonds: - The same regulator's investor page on real estate investment trusts: - The same regulator's investor page, Save for a Rainy Day: - The same regulator's investor page on certificates of deposit: - A small business agency's guide, Plan your business: - A small business agency's guide, Launch your business: - A tax authority's page, Tips on rental real estate income, deductions and recordkeeping: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/sZRhlV2q9wk7992026-10-21 https://wealthfilings.pages.dev/3-habits-of-the-top-1-explained-how-each-one-works/2026-10-21https://i.ytimg.com/vi/WiTO0ozYk2I/hqdefault.jpg3 Habits of the Top 1%, Explained: How Each One WorksBy our math, shares of companies and funds make up more than half of what the top one percent own, in one country's official central bank data. Owning them is the first of three habits here, followed by letting assets earn and keeping what they use small next to what they own. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:30 1. They own shares of companies and funds 2:59 2. They let what they own earn 5:47 3. They keep what they use small next to what they own 8:45 Recap Sources - A central bank's distributional wealth accounts, overview page (quarterly estimates of household wealth for five wealth groups, from the top 0.1 percent to the bottom half): - A central bank's distributional wealth accounts, full data set released in September 2026 (what each wealth group owns, quarter by quarter, to the second quarter of 2026; the shares spoken in the video are our own arithmetic on these rows): - A central bank's research note, Wealth Inequality and COVID-19: Evidence from the Distributional Financial Accounts, August 2021 (with greater exposure to equity markets, the top 1 percent lost a larger share of their wealth in the first quarter of 2020): - A central bank's research note, Wealth Heterogeneity and Consumer Spending, August 2025 (spending rises by 0.8 cents per dollar of wealth for the top 20 percent of the income distribution, with similar results for the top 1 percent): - A central bank's survey report on changes in family finances from 2022 to 2025, October 2026 (families with high income tend to have income from capital gains and business income): - A regional central bank's guide, Building Wealth: A Beginner's Guide to Securing Your Financial Future (stocks and mutual funds, a savings foundation, investment income, possessions that are not wealth-creating, home equity, the balance sheet and net worth): - A central bank system's education site, Growing Money…https://www.youtube.com/embed/WiTO0ozYk2I5712026-10-21 https://wealthfilings.pages.dev/5-habits-millionaires-share-explained-how-each-one-works/2026-10-21https://i.ytimg.com/vi/KIPA8VaXqJ8/hqdefault.jpg5 Habits Millionaires Share, Explained: How Each One WorksEvery family in the wealthiest tenth was worth at least two and a half million dollars in one country's newest central bank survey, and about eight in ten of them spent less than they earned. That habit leads a list of five, with retirement saving, bills paid on time, business ownership and light borrowing, read as a picture of what is common, not a recipe. Subscribe for more numbers straight from official sources: Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:32 1. They spend less than they earn 2:05 2. They save in a retirement account 3:19 3. They pay their bills on time 4:33 4. Many of them own a business 6:03 5. They borrow little next to what they own 7:11 Recap Sources - A central bank's report on its newest survey of family finances, October 2026 (the 2025 survey; 4,367 families interviewed; a supplemental sample includes wealthy families; the 90th percentile of net worth was 2,539,200 dollars; higher-income families generally save more; how retirement accounts grow; private business equity is less liquid but offers greater operational control; leverage and payment-to-income ratios; families with debt are asked about late payments in the preceding year): - The same central bank's historical tables for that survey, real 2025 dollars, rows for the top tenth of net worth (table 1: 81.5 percent saved, against 53.4 percent of all families; table 6: 89.3 percent hold retirement accounts, against 54.9 percent; table 9: 43.9 percent hold business equity, against 15.4 percent; table 12: leverage ratio of the group 3.4 percent, against 10.0 percent; table 18: 0.3 percent of debtors had a payment 60 days or more past due, against 10.7 percent): - The same central bank's variable definitions for that survey (saving means spending less than income over the past year): - A markets regulator's investor education page, Build Wealth Over Time Through Saving and Investing (income and bills, a budget with room to save and invest…https://www.youtube.com/embed/KIPA8VaXqJ84802026-10-21 https://wealthfilings.pages.dev/3-new-side-hustles-explained-how-each-one-works/2026-10-21https://i.ytimg.com/vi/eWXDu-cGu4g/hqdefault.jpg3 New Side Hustles, Explained: How Each One WorksAn international development bank calls online gig work a rapidly growing new form of work, and this video covers three newer ways into it: small online tasks that help train AI, content people can trust, and one skill sold by the project. The third builds on a skill you already have, and the end shares what workers themselves report about choosing between them. Results vary and rules differ where you live. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:29 1. Small online tasks that help train AI 3:17 2. Content people can trust 5:41 3. One skill, sold by the project 8:34 Recap Sources - The World Bank, Working Without Borders: The Promise and Peril of Online Gig Work, executive summary (2023): - The World Bank, Working Without Borders, chapter 4, How Inclusive Is the Online Gig Economy? (2023): - The World Bank, press release, Demand for Online Gig Work Rapidly Rising in Developing Countries (September 2023): - An international labor organization, World Employment and Social Outlook 2021: The role of digital labour platforms in transforming the world of work, executive summary: - An international labor organization, Digital labour platforms and the future of work: Towards decent work in the online world, executive summary: - An international labor organization, research brief, Work Transformed: The Promise and Peril of Artificial Intelligence (June 2025): - An international labor organization, A moment of choice: Harnessing artificial intelligence for decent work, report of its Director-General (2026): - An international organization for education and culture, news release on its Behind the Screens survey of digital content creators (26 November 2024): - A consumer authority's guidance for content creators, Social media endorsements: being transparent with your followers: - An international intellectual property organization, Frequently Asked Questions: Copyright…https://www.youtube.com/embed/eWXDu-cGu4g5652026-10-21 https://wealthfilings.pages.dev/4-money-skills-a-central-bank-guide-ties-to-wealth/2026-10-20https://i.ytimg.com/vi/iCL-6SO8GOA/hqdefault.jpg4 Money Skills a Central Bank Guide Ties to WealthAdults who reach an international survey's financial literacy target score 10 points higher out of 100 in financial well-being, on average. A young chef learns four money skills from a central bank's guide with Henry, from a budget you live by to reading every contract; the characters are fictional, every amount is an invented example, the six percent rate is only an example, never a promise, and results vary for everyone. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 1:28 A private dinner on the hill 3:26 Number one: a budget you live by 5:35 Number two: compound interest 7:42 Number three: the long view 9:54 Number four: read before you sign 12:20 The year your money worked harder 13:55 The return 15:24 What you can take from this Sources - A central bank's regional office, Building Wealth: A Beginner's Guide to Securing Your Financial Future (net worth is assets minus liabilities; budget to save, save and invest, build credit and control debt; the three tasks of a budget; compound interest and its example rates; the rule of 72; the start-early example of 3,000 dollars a year at 8 percent; goals, time horizon and tolerance for risk; the investment pyramid; diversification; learn the rate, the APR, fees and penalties before you borrow; shop and negotiate for the lowest rate): - An international economic organization's report, 2023 International Survey of Adult Financial Literacy (39 countries and economies; adults who reach the minimum target score in financial literacy have higher financial well-being, by 10 points out of 100 on average; only 26% of adults compare products across providers; financial literacy as a core life skill): - A central bank's survey of family finances, report of October 2026 on changes in family finances from 2022 to 2025 (net worth is the difference between gross assets and liabilities; families who save more can see a feedback effect of…https://www.youtube.com/embed/iCL-6SO8GOA9962026-10-20 https://wealthfilings.pages.dev/you-tried-10-side-hustles-how-each-one-works/2026-10-20https://i.ytimg.com/vi/RXKYcu1wP-Q/hqdefault.jpgYou Tried 10 Side Hustles — How Each One WorksAn international development bank's report calls online gig work an important means of earning supplemental income, and for four in ten of those workers it is a secondary activity. In this story ten side hustles are tried one week at a time, each with what it is and how to start from official pages; the hero and Henry are fictional, the amounts are invented examples, rules on registration, licenses, insurance and tax differ from place to place, results vary for everyone and nothing here is a promise. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 1:29 Henry at the harbor 3:18 Numbers one to three: paws, lessons and wool 6:08 Numbers four to seven: work that travels on a laptop 10:04 Numbers eight to ten: camera, kitchen and calm 12:41 The card that surprised you 14:12 The return: a week at sea, and years of calm 15:21 What you can take from this Sources - The World Bank's report, Working Without Borders: The Promise and Peril of Online Gig Work, 2023 (supplemental income, a secondary activity for 4 in 10 workers, most workers under 30, freelancing and microwork, skills and reputation, three things online work needs): - A government business portal's page, What you need to know about side hustles, 2026: - A government business portal's page, Home-based businesses: - A government business portal's page, Set up a market stall: - A government careers service, Animal care worker: - A government careers page, Private tutor: - A government careers service, Online tutor: - A government careers service, Graphic designer: - A government careers service, Proofreader: - A government careers service, Translator: - A government careers service, Personal assistant: - A government consumer protection page (do not pay money to someone you don't know well; research any employer offering work that means receiving and transferring money): - An international labour organization's General…https://www.youtube.com/embed/RXKYcu1wP-Q10032026-10-20 https://wealthfilings.pages.dev/the-simple-math-behind-lasting-wealth/2026-10-20https://i.ytimg.com/vi/7HYaoiBeR2c/hqdefault.jpgThe Simple Math Behind Lasting WealthIn one central bank's survey, families with a retirement account hold about 48,000 dollars on average under 35 and about 670,000 at 55 to 64. A young architect works through four questions about that gap, what stays, what grows, what it costs and how long, in a story where the hero and Henry are fictional, the story numbers are invented, the totals come from an official calculator at example rates, results vary for everyone and nothing here is a promise. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 1:18 The road up the hill 2:35 Henry and the four questions 4:28 Question one: what stays 6:43 Question two: what grows 9:03 Question three: what it costs 11:06 Question four: how long 13:46 The return 15:30 What you can take from this Sources - Board of Governors of the Federal Reserve System, Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances (October 2026), Table A, mean retirement savings by age group: - Board of Governors of the Federal Reserve System, press release, Federal Reserve Board releases results of the 2025 Survey of Consumer Finances (October 9, 2026): - U.S. Securities and Exchange Commission, Investor.gov, What is compound interest? (the 100 dollars at 5 percent example and the Rule of 72): - U.S. Securities and Exchange Commission, Investor.gov, Compound Interest Calculator: - U.S. Securities and Exchange Commission, Investor.gov, Figure Out Your Finances (track income and expenses, paying yourself first, net worth statement): - U.S. Securities and Exchange Commission, Investor.gov, Build Wealth Over Time Through Saving and Investing (regular investments plus time, frequent trading, consistent investing): - U.S. Securities and Exchange Commission, Investor.gov, Understanding Fees: - U.S. Department of Labor, Employee Benefits Security Administration, A Look at 401(k) Plan Fees (35 years, 7 percent example…https://www.youtube.com/embed/7HYaoiBeR2c10122026-10-20 https://wealthfilings.pages.dev/work-from-home-three-paths-to-explore/2026-10-20https://i.ytimg.com/vi/6Z91dC8CEO4/hqdefault.jpgWork From Home: Three Paths to ExploreAbout six billion people, three quarters of the world, are online in 2025, an international telecommunications agency estimates. In this story a young professional builds a second income from home through three paths, a first project, a part-time remote role and a monthly service; the hero and Henry are fictional, the tips come from official and public help pages, and results vary for everyone. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 1:11 The question in the greenhouse 2:22 Henry and the three doors 4:14 Door one: your first project 6:50 Door two: a part-time remote role 9:16 Door three: a monthly service 11:38 The Friday your job becomes a choice 13:51 The return 15:30 What you can take from this Sources - International Labour Organization (ILO), Working from Home: Estimating the worldwide potential (Policy Brief, April 2020): - International Labour Organization (ILO), Working from home (resource page): - Canadian Centre for Occupational Health and Safety (CCOHS), Telework / Remote Work / Working From Home: - International Telecommunication Union (ITU), Facts and Figures 2025, Internet use: - International Labour Organization (ILO), Digital labour platforms: Number of platforms and workers (Research Brief, February 2026): - FDIC, Saving for the Unexpected and Your Future: - OECD, OECD/INFE 2023 International Survey of Adult Financial Literacy (executive summary): - International Labour Organization (ILO), ILO's 2016 General Principles and Operational Guidelines for Fair Recruitment: - National Careers Service, Video interview tips: - World Health Organization and International Labour Organization, Crucial changes needed to protect workers' health while teleworking (2 February 2022): - business.gov.au, Choose a pricing strategy: - business.gov.au, Prepare a contract: - business.gov.au, How to invoice: - National Cyber Security Centre, Top tips for staying…https://www.youtube.com/embed/6Z91dC8CEO410032026-10-20 https://wealthfilings.pages.dev/credit-card-use-compare-pay-and-protect/2026-10-20https://i.ytimg.com/vi/7C7mTMefEuo/hqdefault.jpgCredit Card Use: Compare, Pay and ProtectUsing a credit card the right way starts with one habit: making the full statement balance your monthly target, which, with a grace period and no carried balance, can avoid interest on purchases. Seven steps follow, from knowing your card to protecting every transaction. Sofia is a fictional example. Subscribe for more numbers straight from official sources: Every rule in this video comes from official consumer-protection pages and the credit card regulation, listed below, plus one credit-score provider's own explanation. Seven steps to use a credit card the right way: know your card and compare costs, read the statement, pay the full statement balance by the due date, automate and watch the payment, treat the limit as a ceiling, choose the lowest-cost plan when paying in full is not possible, and protect your card. Step 7 also adds one general habit: reviewing the cards saved in shopping accounts. Sofia is a fictional example. Card terms vary by issuer and by country and can change. Facts, not financial advice. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:38 Step 1: Know your card 1:55 Step 2: Read your statement 3:21 Step 3: Pay the full balance on time 4:32 Step 4: Automate and keep watching 5:34 Step 5: Your limit is a ceiling 6:19 Step 6: Choose the lowest-cost plan 7:37 Step 7: Protect your card 8:49 Recap Sources - Consumer Financial Protection Bureau, Know Before You Owe: Credit cards: - Consumer Financial Protection Bureau, What is a grace period for a credit card?: - Consumer Financial Protection Bureau, How do automatic payments from a bank account work?: - Consumer Financial Protection Bureau, A box on my credit card bill says that I will pay off the balance in three years: - Consumer Financial Protection Bureau, Can I withdraw money from my credit card at an ATM?: - Consumer Financial Protection Bureau, How does my credit card company calculate the amount of interest I owe?: - Consumer Financial Protection…https://www.youtube.com/embed/7C7mTMefEuo5692026-10-20 https://wealthfilings.pages.dev/you-learned-how-to-make-money-online-with-just-your-phone/2026-10-20https://i.ytimg.com/vi/3OHHWLFlXIA/hqdefault.jpgYou Learned How to Make Money Online — With Just Your PhoneEighty-two percent of people worldwide aged ten or older own a mobile phone, an international technology agency reports. In this story a young professional turns that phone into a second income, from a free lesson and a first client to a small shop, short videos and a class; the hero and Henry are fictional, the steps follow official help pages, and results vary. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 1:08 A second door 2:21 Henry and the first question 4:35 Trial one: the first client 6:50 Trial two: the first sale and the first review 9:14 Trial three: videos, a class and one short rule 11:47 The jar and the turn 13:45 The return 15:30 What you can take from this Sources - International Telecommunication Union (ITU), Facts and Figures 2025, Mobile phone ownership: - World Bank, Working Without Borders: The Promise and Peril of Online Gig Work (2023): - Securities and Exchange Commission (Investor.gov), What is compound interest?: - Securities and Exchange Commission (Investor.gov), Compound Interest Calculator: - Federal Trade Commission, How to spot and avoid task scams: - UNESCO, Global Skills Academy: - UNESCO, Global Skills Academy, free training partner page: - GOV.UK, Business records if you're self-employed: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/3OHHWLFlXIA10022026-10-20 https://wealthfilings.pages.dev/new-money-a-one-page-plan-to-keep-a-sudden-windfall/2026-10-20https://i.ytimg.com/vi/Pw3kKGfIUA4/hqdefault.jpgNew Money: A One-Page Plan to Keep a Sudden WindfallOvernight you are new money, with a 200,000-dollar bonus, and a securities regulator's windfall guide suggests holding off on big moves for the first six to twelve months. A one-page plan with four boxes then shows how to keep it, grow it and enjoy it; you and Henry are fictional, the story numbers are invented, and an example rate is never a promise of future returns. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 1:21 What you really want 2:42 Meet Henry 4:10 One page, four boxes 5:55 The quiet engine 8:16 Fun first, then an offer too perfect 9:57 Twenty years later: the turn 11:30 The return: a rich, joyful life 12:55 What you can take from this Sources - FINRA (securities industry regulator), Tips for Managing a Financial Windfall: - Investor.gov (U.S. Securities and Exchange Commission), Making the Most of Your Lump Sum Payment: - Federal Reserve Board, Economic Well-Being of U.S. Households in 2025 (press release, May 13, 2026): - Federal Reserve Board, Consumer Credit G.19, Terms of Credit (credit card interest rates): - U.S. Department of Labor, Employee Benefits Security Administration, A Look at 401(k) Plan Fees: - Investor.gov (U.S. Securities and Exchange Commission), What is compound interest? (Rule of 72): - Investor.gov (U.S. Securities and Exchange Commission), Asset Allocation and Diversification: - Investor.gov (U.S. Securities and Exchange Commission), Compound Interest Calculator: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/Pw3kKGfIUA48422026-10-20 https://wealthfilings.pages.dev/old-money-habits-for-preserving-wealth/2026-10-20https://i.ytimg.com/vi/BvNDpiz4w6w/hqdefault.jpgOld Money Habits for Preserving WealthA securities regulator's teaching page shows 100 dollars at five percent a year growing to more than 162 dollars after ten years, and that slow engine is one of five habits old-money families use to keep wealth for generations. A young professional learns them from Henry in this story; the hero and Henry are fictional, the story's totals come from an official compound interest calculator at a five percent example rate, and no return is promised. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:56 The question on the terrace 2:15 The garden and the family notebook 3:53 Trial one: pay the garden first 5:43 Trial two: the slow engine 7:40 Trial three: quiet quality 9:21 The day the garden pays 11:06 The quiet life 12:55 What you can take from this Sources - Investor.gov (U.S. Securities and Exchange Commission), What is compound interest? (Rule of 72 and the $100 at 5% example): - Investor.gov (U.S. Securities and Exchange Commission), Small Savings Add Up to Big Money (the 24-hour rule and the $365 example): - Investor.gov (U.S. Securities and Exchange Commission), Compound Interest Calculator: - Investor.gov (U.S. Securities and Exchange Commission), Figure Out Your Finances (net worth statement, paying yourself first): - Investor.gov (U.S. Securities and Exchange Commission), Build Wealth Over Time Through Saving and Investing: - Investor.gov (U.S. Securities and Exchange Commission), Parents (resources for teaching children about saving and investing): - OECD, OECD/INFE 2023 International Survey of Adult Financial Literacy (executive summary): Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/BvNDpiz4w6w8392026-10-20 https://wealthfilings.pages.dev/you-became-a-millionaire-in-5-steps-nobody-noticed/2026-10-20https://i.ytimg.com/vi/L-2GDuzNtB8/hqdefault.jpgYou Became a Millionaire in 5 Steps — Nobody NoticedWith a thousand dollars a month for thirty years at a seven percent example return, a securities regulator's calculator answers about 1.2 million dollars. In this story five quiet choices get an ordinary young professional there, from paying yourself first to learning a free skill online; it is an example, not a promise, and Henry and the hero are fictional. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 1:19 The Boat at the End of the Pier 2:29 Henry and the Five Seeds 3:48 Steps One and Two: Two Jars 5:56 Steps Three and Four: The Armchair and the Garden 8:35 Step Five: One Free Hour a Night 10:23 The Quiet Tuesday 12:01 The Beautiful Ordinary 13:03 Five Steps to Take With You Sources - U.S. Securities and Exchange Commission, Investor.gov, Compound Interest Calculator (monthly contribution 1,000, 30 years, 7% example rate, monthly compounding): - U.S. Department of Labor, Employee Benefits Security Administration, A Look at 401(k) Plan Fees (7 percent example return; 227,000 versus 163,000 dollars): - U.S. Securities and Exchange Commission, Investor.gov, Figure Out Your Finances (paying yourself first): - U.S. Securities and Exchange Commission, Investor.gov, Save for a Rainy Day (up to six months of income in savings): - World Bank, The Global Findex Database 2025, Executive Summary (savings are more reliable than family or friends for emergency money): - Board of Governors of the Federal Reserve System, Consumer Credit G.19, release of October 7, 2026 (card accounts assessed interest, 22.36 percent in August 2026, preliminary): - U.S. Securities and Exchange Commission, Investor.gov, Pay Off Credit Cards or Other High Interest Debt: - U.S. Securities and Exchange Commission, Investor.gov, Diversify Your Investments: - U.S. Securities and Exchange Commission, Investor.gov, Asset Allocation and Diversification: - World Bank, Education & Skills (9 percent increase in…https://www.youtube.com/embed/L-2GDuzNtB88482026-10-20 https://wealthfilings.pages.dev/how-to-make-money-with-ai-6-ways-for-beginners/2026-10-20https://i.ytimg.com/vi/rD6dgiySCbw/hqdefault.jpgHow to Make Money With AI: 6 Ways for BeginnersLooking for how to make money online with AI tools? Here are six ways, each with the platform's own published rules, so you know what is allowed before you start. Subscribe for more numbers straight from official sources: Every rule and number in this video comes from the platforms' own help pages and official sources, listed below. Six ways to make money with AI tools, with each platform's published rules for AI work: freelance services on Fiverr, AI projects on Upwork, AI-assisted content, seller-prompted creations on Etsy, books on Amazon KDP and channels on YouTube, plus what a government consumer agency says about deceptive AI claims. Ravi is a fictional example. Rules, fees and availability vary by country and can change, and no income is guaranteed. Facts, not financial advice. Previous in this series: How to Make Money Online: 5 Ways for Beginners. Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:32 The big picture 0:55 Before you start 1:20 Way 1: A freelance service with AI (Fiverr) 2:42 Way 2: AI projects for businesses (Upwork) 4:05 Way 3: Content made with AI 5:05 Way 4: AI creations on Etsy 6:20 Way 5: A book with AI's help (Amazon KDP) 7:20 Way 6: A YouTube channel with AI 8:45 Which way fits you 9:10 Step 7: Keep it honest 10:17 Recap Sources - International Labour Organization, Generative AI and Jobs: A Refined Global Index of Occupational Exposure (2025): - World Bank, Generative AI and Jobs in Latin America and the Caribbean: - Fiverr Help, Using AI on Fiverr: Guidelines for freelancers and clients: - Fiverr Help, AI services guidelines: - Fiverr Help, Creating and managing Gig packages: - Fiverr Help, Your earnings page: - Fiverr Help, How Fiverr works for freelancers: - Upwork, AI services category: - Upwork Help, Understanding and using Connects: - Upwork Help, Learn about the Freelancer Service Fee: - Upwork Help, How to sign up as a freelancer on Upwork: - Etsy, Creativity Standards: - Etsy, Fees &…https://www.youtube.com/embed/rD6dgiySCbw6562026-10-20 https://wealthfilings.pages.dev/how-to-make-money-online-5-ways-for-beginners/2026-10-19https://i.ytimg.com/vi/_dDO27GIgoI/hqdefault.jpgHow to Make Money Online: 5 Ways for BeginnersMaking money online starts with one choice, what you will offer: something you make, a skill, a lesson, a video or a book. Five ways to start, with the steps, fees and requirements each platform publishes, plus a six-word safety check at the end. Nina is a fictional example; fees, rules and availability vary by country and can change, and no income is guaranteed. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:31 Before you start 0:56 Way 1: Sell what you make (Etsy) 2:47 Way 2: Freelance a skill (Upwork, Fiverr) 4:47 Way 3: Teach online (Preply) 6:10 Way 4: Create videos (YouTube) 8:00 Way 5: Publish a book (Amazon KDP) 9:34 Which way fits you 9:52 Step 6: The safety check 10:36 Recap Sources - Etsy Help, How to Open an Etsy Shop: - Etsy, Fees & Payments Policy: - Etsy Help, Countries Eligible for Etsy Payments: - Upwork Help, How to sign up as a freelancer on Upwork: - Upwork Help, Learn about the Freelancer Service Fee: - World Bank, Working Without Borders: The Promise and Peril of Online Gig Work (2023): - Fiverr Help, How Fiverr works for freelancers: - Preply Help, Register to teach on Preply: - Preply Help, Preply commission model: - YouTube Help, YouTube Partner Program overview and eligibility: - YouTube Help, Ways to earn money on YouTube: - YouTube Help, Changes to the YouTube Partner Program (2027 thresholds): - Amazon KDP, Start publishing with KDP: - Amazon KDP, Digital Book Pricing Page: - Amazon KDP, Paperback Royalty: - Federal Trade Commission, Job and Money-Making Scams: - Federal Trade Commission, When a Business Offer or Coaching Program Is a Scam: - economie.gouv.fr (France), Offres d'emploi frauduleuses : comment les repérer: - Kemnaker (Indonesia), Kemnaker Imbau Masyarakat Waspada Penipuan Lowongan Pekerjaan: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not…https://www.youtube.com/embed/_dDO27GIgoI6772026-10-19 https://wealthfilings.pages.dev/how-money-really-works-part-1-what-money-really-is/2026-10-19https://i.ytimg.com/vi/fxMUnCZW1qE/hqdefault.jpgHow Money Really Works, Part 1: What Money Really IsMoney is not just paper, metal or numbers on a screen; it is a promise that lets strangers trade across time. Part 1 follows it from the barter problem through coins, paper claims and central banks to bank deposits you cannot touch, with the key facts from the IMF, central banks and a museum collection, all listed below. The baker, the traveler and the banker are illustrative characters. Subscribe for more numbers straight from official sources: Watch next: How Money Really Works, Part 2: How Money Is Created: Chapters 0:00 Intro 0:44 The Barter Problem 1:53 The Three Jobs of Money 2:37 Commodity Money and Gold 3:47 The First Coins 4:58 Goldsmith Receipts and Paper Money 6:16 Central Banks and the Gold Standard 8:03 Fiat Money and Trust 9:25 Bank Deposits as Promises 11:25 What Money Really Is Sources - International Monetary Fund, Money: At the Center of Transactions: - Bank of England, Quarterly Bulletin 2014 Q1, Money in the modern economy: an introduction: - British Museum, Large print guide — Room 68 Money: - Bank of England Museum, Bank of England Museum gallery guide: - Federal Reserve History, Creation of the Bretton Woods System: - Federal Reserve History, Nixon Ends Convertibility of U.S. Dollars to Gold: - Federal Reserve, Money and Payments: The U.S. Dollar in the Age of Digital Transformation: - Bank of England, Money creation in the modern economy: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/fxMUnCZW1qE7382026-10-19 https://wealthfilings.pages.dev/a-plan-to-pay-off-credit-card-debt-card-by-card/2026-10-19https://i.ytimg.com/vi/rlwyKwD88lA/hqdefault.jpgA Plan to Pay Off Credit Card Debt, Card by CardWith the same 2,000-dollar balance and 18 percent rate, paying 100 dollars more each month cuts the interest from 793 dollars to 231, in one government's official example. Seven steps to pay off card debt follow, from putting every card on one list to choosing help carefully, and each place has its own rules and services. Leo is a fictional example. Subscribe for more numbers straight from official sources: Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:27 Step 1: Put every card on one list 0:53 Step 2: Choose the order 1:25 Step 3: Find extra money in your budget 1:45 Step 4: Pay more than the minimum 2:29 Step 5: Compare balance transfers 2:58 Step 6: Talk to your card company early 3:36 Step 7: Choose help carefully 4:13 Recap Sources - Financial Consumer Agency of Canada, Paying off your credit card (cost and time example): - Financial Consumer Agency of Canada, Paying back your debt: - Federal Reserve, Economic Well-Being of U.S. Households in 2025, Credit: - Consumer Financial Protection Bureau, Consolidating credit card debt: - Consumer Financial Protection Bureau, The minimum payment box on your bill: - Consumer Financial Protection Bureau, What to do if you can't pay your credit card bills: - Federal Trade Commission, How To Get Out of Debt: - Financial Conduct Authority (U.K.), Financial impact of rising costs: - ASIC Moneysmart (Australia), Credit card balance transfers: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/rlwyKwD88lA2972026-10-19 https://wealthfilings.pages.dev/investing-with-little-money-from-first-goal-to-habit/2026-10-18https://i.ytimg.com/vi/EfwVse04jWk/hqdefault.jpgInvesting With Little Money, From First Goal to HabitAn official investor website says no investment strategy pays off as well as, or with less risk than, eliminating high-interest debt. Seven steps to start investing with little money build from there, and step six shows what 100 dollars a month can grow to over forty years, in our own math at a hypothetical 7% a year, not a forecast. Maya is a fictional example, and her numbers are hypothetical. Subscribe for more numbers straight from official sources: Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:26 Step 1: Pick the goal and the deadline 0:53 Step 2: Build the base first 1:34 Step 3: Understand risk 2:07 Step 4: Spread it out 2:53 Step 5: Check the fees 3:29 Step 6: Invest a little, regularly 4:03 Step 7: Check who you're dealing with 4:28 Recap Sources - SEC Investor.gov, Save and Invest roadmap: - SEC Investor.gov, Define Your Goals: - SEC Investor.gov, Save for a Rainy Day: - SEC Investor.gov, Pay Off Credit Cards or Other High Interest Debt: - SEC Investor.gov, What Is Risk?: - SEC Investor.gov, Asset Allocation and Diversification: - SEC Investor.gov, Introduction to Investing: - SEC Investor.gov, Mutual Fund and ETF Fees and Expenses (Investor Bulletin): - SEC Investor.gov, Compound Interest Calculator: - FINRA, Financial Tips for New Investors: - FINRA BrokerCheck: - FCA (U.K.), How to check a firm or individual is authorised: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/EfwVse04jWk3142026-10-18 https://wealthfilings.pages.dev/11-steps-to-save-money-faster-and-track-your-net-worth/2026-10-18https://i.ytimg.com/vi/6o8IfpzQchw/hqdefault.jpg11 Steps to Save Money Faster and Track Your Net WorthIn 2025, 55 percent of adults in one country said they had three months of expenses set aside for an emergency. Eleven steps follow to save money faster and see it show up in your net worth, with step three automating the saving even in a busy month. Maya is a fictional example, and her amounts are hypothetical. Subscribe for more numbers straight from official sources: Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:25 Step 1: See where the money goes 0:48 Step 2: Build a simple budget 1:20 Step 3: Save first, automatically 1:54 Step 4: Cut what you don't use 2:19 Step 5: Compare savings accounts 2:44 Step 6: Start an emergency fund 3:11 Step 7: Review your fixed bills 3:32 Net worth: List what you own 3:58 Net worth: List what you owe 4:20 Net worth: Do the math 5:09 Net worth: Review it regularly 5:26 Recap Sources - CFPB, Managing your spending to achieve your goals: - CFPB, Budgeting: how to create a budget and stick with it: - CFPB, An essential guide to building an emergency fund: - FDIC Money Smart, savings module: - FDIC Money Smart, banking checklist: - Federal Reserve, Economic Well-Being of U.S. Households in 2024, Savings and Investments: - MoneyHelper (U.K.), Don't forget to cancel subscriptions: - MoneyHelper (U.K.), How to save money on household bills: - Federal Reserve, Changes in U.S. Family Finances from 2019 to 2022 (Survey of Consumer Finances): - CFPB, Your Money, Your Goals toolkit (PDF): - CFPB, Your Money, Your Goals toolkit page: - SEC Investor.gov, Build Wealth Over Time Through Saving and Investing: - SEC Investor.gov, Pay Off Credit Cards or Other High Interest Debt: - Office for National Statistics (U.K.), Total wealth in Great Britain: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/6o8IfpzQchw3702026-10-18 https://wealthfilings.pages.dev/building-credit-with-a-card-check-pay-and-give-it-time/2026-10-18https://i.ytimg.com/vi/cunemZK1cJc/hqdefault.jpgBuilding Credit With a Card: Check, Pay and Give It TimePayment history is 35 percent of the calculation in the FICO framework. Seven steps for building credit with a card follow, from checking your reports to giving it time, with one country's rules and scoring models shown as examples; other places have their own credit agencies and rules. Maya is a fictional example. Subscribe for more numbers straight from official sources: Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:24 Step 1: Check your credit reports 1:14 Step 2: Start with a card you qualify for 2:03 Step 3: Pay on time, every time 2:42 Step 4: Keep your balance low 3:22 Step 5: Pay in full every month 3:59 Step 6: Space out new applications 4:23 Step 7: Give it time 4:44 Recap Sources - Federal Trade Commission, Free Credit Reports: - Consumer Financial Protection Bureau, How to rebuild your credit: - Federal Reserve Board, 5 Tips for Getting the Most from Your Credit Card: - Federal Reserve, Economic Well-Being of U.S. Households in 2025, Credit: - myFICO, What's in your credit score?: - MoneyHelper (U.K.), How to check your credit report for free: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/cunemZK1cJc3252026-10-18 https://wealthfilings.pages.dev/7-ways-people-make-extra-money-and-how-each-one-works/2026-10-18https://i.ytimg.com/vi/CuNVgdKDq5g/hqdefault.jpg7 Ways People Make Extra Money, and How Each One WorksSelling things you no longer use can be quick to start, because what you sell is already at home, and it opens this list of seven ways people make extra money, each with steps from the platform's own help page, checked on October 18, 2026. Availability and rules vary by country and platform, so check the platform's page and your local rules. The figures carry their own limits: online selling measures selling, not earnings; registered gig workers are not the same as active ones; one survey covers one country's adults in the previous month; one estimate is experimental; and the video count is the company's own disclosure. Subscribe for more numbers straight from official sources: Watch next: 7 More Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:13 Way 1: Sell things you no longer use 0:49 Way 2: Freelance a skill online 1:29 Way 3: Teach online 1:54 Way 4: Rent out a room or a place 2:21 Way 5: Make videos 2:57 Way 6: Deliveries and rides 3:27 Way 7: Sell what you make 3:52 Recap Sources - eBay Help, Creating and managing listings: - eBay Help, Setting shipping options: - Fiverr Help, Creating a Gig: - Fiverr Help, Managing your orders: - Preply Help, Register to teach on Preply: - Preply Help, How can students find me: - Airbnb, Host Terms (local rules): - Airbnb Resource Center, How to get started on Airbnb: - Airbnb Help, Identity verification for hosts: - YouTube Help, YouTube Partner Program overview and eligibility: - YouTube (August 10, 2026), YouTube Partner Program updates (company disclosure): - Uber, Driver requirements: - Etsy Help, How to Open an Etsy Shop: - Etsy Help, How to Create a Listing (digital files): - Eurostat (2025), Individuals - internet activities, isoc_ci_ac_i (I_IUSELL): - World Bank (2023), Working Without Borders: The Promise and Peril of Online Gig Work: - Federal Reserve Board (May 2025), Economic Well-Being of U.S. Households in 2024: - IBGE (2026), PNAD Contínua: Trabalho por meio de plataformas…https://www.youtube.com/embed/CuNVgdKDq5g2672026-10-18 https://wealthfilings.pages.dev/the-oecd-money-test-7-questions-2-that-most-adults-miss/2026-10-18https://i.ytimg.com/vi/1nnHu-pNTjQ/hqdefault.jpgThe OECD Money Test: 7 Questions, 2 That Most Adults MissOn average across 39 countries and economies, half of the adults got at least five of seven money questions right in the OECD's survey of 68,826 adults aged 18 to 79. This video gives you the same seven questions with the official answers, so you can keep score and see the one idea most people miss. The $110.41 five-year figure is our own math. Subscribe for more numbers straight from official sources: Take the seven financial knowledge questions of the OECD survey and keep score: time value of money, interest on a loan, simple interest, compound interest, risk and return, the definition of inflation and diversification. On average across the participating countries and economies, 50% of adults answered at least five of the seven correctly, the OECD's minimum target (58% across participating OECD countries). The two questions on interest on savings were the hardest: 49% for simple interest and 42% for compound interest. $100 at 2% a year becomes $110.41 after five years, by our math. Shares answering correctly are averages across countries and economies, as published by the OECD (Figure 2.4, Annex D Table 2.7). Facts, not financial advice. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:29 Waiting For $1,000 1:04 The $25 Loan 1:26 $100 At 2% 1:49 Five Years Later 2:37 High Return 2:52 What Inflation Means 3:03 Many Baskets 3:31 How Everyone Did Sources - OECD (2023), OECD/INFE 2023 International Survey of Adult Financial Literacy: - OECD/INFE 2023 survey, Annex D tables: - OECD (2022), OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion 2022: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/1nnHu-pNTjQ2732026-10-18 https://wealthfilings.pages.dev/4-ways-people-save-money-from-cash-to-phones-world-bank-data/2026-10-17https://i.ytimg.com/vi/M3WaHu3ddfk/hqdefault.jpg4 Ways People Save Money, From Cash to Phones (World Bank Data)Fifty-five percent of adults in low- and middle-income economies saved money in the past year, and 79 percent of adults worldwide now have an account, the highest since the World Bank's Global Findex survey began in 2011. The video covers the four ways people save and the most reliable source of emergency money; in most high-income economies the survey asked only about accounts, so the saving figures are for low- and middle-income economies, and adults means age 15 and up. Subscribe for more numbers straight from official sources: The four ways adults save, as the World Bank measures them: other methods such as cash at home, livestock, gold or jewelry, real estate or securities (8% of adults saved only this way); savings clubs or a person outside the family (17%); mobile money accounts (9%, up from 4% in 2021); and accounts at a bank or similar institution or a mobile money account (40% of adults, 73% of those who saved, up from 24% in 2021). Worldwide, 79% of adults had an account in 2024. Emergency money: 56% could come up with 5% of their country's gross national income per person within 30 days without much difficulty; family or friends were the most common source (31%), and savings were the most reliable. Facts, not financial advice. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:38 Cash And Valuables 0:57 Savings Clubs 1:17 Mobile Money 1:39 Accounts 2:11 Emergency Money Sources - Klapper, Singer, Starita and Norris (2025), The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy, World Bank: - World Bank, Global Findex Database 2025, data download: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/M3WaHu3ddfk2132026-10-17 https://wealthfilings.pages.dev/msft-stock-explained-what-microsoft-s-own-10-k-shows/2026-10-17https://i.ytimg.com/vi/vpJ3kQ0U4Vo/hqdefault.jpgMSFT Stock Explained: What Microsoft's Own 10-K ShowsIn one fiscal year Microsoft brought in more than 331 billion dollars of revenue, up 18 percent. Its own annual report shows where that money comes from, what it is building for AI and the three things it flags itself. Subscribe for more numbers straight from official sources: MSFT stock explained with the company's own numbers: revenue up 18% to $331,839 million; where the money comes from (Productivity and Business Processes, Intelligent Cloud and More Personal Computing); Microsoft Cloud revenue up 27% to $214.4 billion and Azure and other cloud services revenue up 41%; the $678 billion commercial remaining performance obligation; operating income, net income, the effect of OpenAI and adjusted (non-GAAP) net income; the OpenAI partnership and stake; additions to property and equipment, datacenter leases and cloud margins; dividends and buybacks; and three things Microsoft flags: the pace of AI spending, electrical power, and its IRS tax dispute. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:44 The Money 1:25 The Cloud 3:14 The Profit 4:21 Microsoft and OpenAI 5:05 Building for AI 6:25 For Shareholders 6:47 What It Flags 7:51 Three Things To Watch Sources - Microsoft Corporation, Form 10-K, fiscal year ended June 30, 2026: - SEC, Investor.gov, Form 10-K: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/vpJ3kQ0U4Vo5172026-10-17 https://wealthfilings.pages.dev/amzn-stock-explained-what-amazon-s-own-filings-show/2026-10-17https://i.ytimg.com/vi/wz6WCNvqWxg/hqdefault.jpgAMZN Stock Explained: What Amazon's Own Filings ShowIn three months Amazon sold more than 200 billion dollars of products and services, up 20 percent in a year, and by our math the part that grew fastest isn't the online store. Its own quarterly and annual filings show where the money comes from, what it is spending on and what it flags; where we do our own math, we say so. Subscribe for more numbers straight from official sources: AMZN stock explained with the company's own numbers: sales up 20% in the June 2026 quarter; where the money comes from (online stores, third-party seller services, AWS, advertising, subscriptions and physical stores); AWS up 37% and its share of operating income; the approximately $496 billion of contract commitments not yet recognized; why net income jumped (gains on Amazon's stake in Anthropic); capital spending for technology infrastructure and free cash flow; the investments in OpenAI and Anthropic; buybacks (none in the first six months of 2026); and three things Amazon flags: new bets including AI, chip suppliers, and the courts. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:46 The Money 1:43 The Cloud 2:32 The Profit 3:25 Building for AI 4:57 For Shareholders 5:09 What It Flags 5:57 Three Things To Watch Sources - Amazon.com, Inc., Form 10-Q, quarter ended June 30, 2026: - Amazon.com, Inc., Form 10-K, 2025: - SEC, Investor.gov, Form 10-K: - SEC, Investor.gov, Form 10-Q: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/wz6WCNvqWxg4042026-10-17 https://wealthfilings.pages.dev/meta-stock-explained-what-meta-s-own-filings-show/2026-10-17https://i.ytimg.com/vi/_pqy2eZSlh0/hqdefault.jpgMETA Stock Explained: What Meta's Own Filings ShowIn three months Meta, the company behind Facebook, Instagram and WhatsApp, had revenue of 60.8 billion dollars, up 28 percent in a year, and almost all of it came from ads. Its own quarterly and annual filings and its 2026 proxy statement show where the money comes from, what it is spending on and what it flags. Subscribe for more numbers straight from official sources: META stock explained with the company's own numbers: revenue of $60.80 billion in the June 2026 quarter, up 28%, driven by advertising; ad impressions and the average price per ad; 3.60 billion daily active people and $16.86 of revenue per person; revenue by region; why operating income fell 8% (higher costs, which Meta attributes primarily to increases in employee compensation, including severance, infrastructure, legal-related and third-party AI token costs); Reality Labs; capital spending for AI and the 2026 range of $130 billion to $145 billion; cash, dividends and buybacks; Mark Zuckerberg's voting control; and three things Meta flags: AI, Europe and the courts. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:48 The Money 1:26 The People 2:21 The Profit 3:31 Building for AI 4:50 For Shareholders 5:34 What It Flags 6:50 Three Things To Watch Sources - Meta Platforms, Inc., Form 10-Q, quarter ended June 30, 2026: - Meta Platforms, Inc., Form 10-Q, quarter ended March 31, 2026: - Meta Platforms, Inc., Form 10-K, 2025: - Meta Platforms, Inc., 2026 proxy statement (DEF 14A): - SEC, Investor.gov, Form 10-K: - SEC, Investor.gov, Form 10-Q: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice. Corrections and context • Caption correction: at 6:36 the on-screen caption shows "more than a $0 trillion"; the narration says "more than a trillion dollars".https://www.youtube.com/embed/_pqy2eZSlh04552026-10-17 https://wealthfilings.pages.dev/401-k-explained-the-2026-rules-straight-from-the-irs/2026-10-17https://i.ytimg.com/vi/XdBU0u8Y7AI/hqdefault.jpg401(k) Explained: The 2026 Rules, Straight From the IRSIn 2026 you can put up to 24,500 dollars of your own pay into a 401(k), up from 23,500, and an employer can add more on top. The video covers how much goes in, how the employer's money becomes yours and the fee detail an official labor guide says is worth checking. Subscribe for more numbers straight from official sources: The 401(k), explained with the official 2026 rules: the $24,500 employee limit, the $8,000 catch-up at 50 and older ($32,500 total), the $11,250 catch-up at 60 to 63, the $72,000 overall limit, how the employer match and vesting work, the Roth 401(k), automatic enrollment, the Labor Department's fee example, who has access to a plan, and the rules for taking money out. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:23 The Basics 0:44 How Much 1:49 The Match 2:30 Roth 401(k) 2:48 Automatic Enrollment 3:08 The Fees 3:37 Who Has One 3:57 Taking It Out 4:59 Your 401(K) In 3 Steps Sources - IRS, IR-2025-111 (Nov. 13, 2025): - IRS, 401(k) plans: - IRS, Retirement topics: 401(k) and profit-sharing plan contribution limits: - IRS, Retirement topics: Catch-up contributions: - IRS, Retirement topics: Vesting: - IRS, Roth comparison chart: - IRS, Retirement topics: Required minimum distributions: - IRS, Retirement topics: Automatic enrollment: - IRS, Retirement topics: Exceptions to tax on early distributions: - IRS, Retirement topics: Loans: - IRS, Retirement topics: Hardship distributions: - U.S. Department of Labor, EBSA, What You Should Know About Your Retirement Plan: - U.S. Department of Labor, EBSA, A Look at 401(k) Plan Fees: - Bureau of Labor Statistics, Employee Benefits in the United States, March 2026: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/XdBU0u8Y7AI3512026-10-17 https://wealthfilings.pages.dev/googl-stock-explained-what-alphabet-s-own-filings-show/2026-10-17https://i.ytimg.com/vi/cBUV5l8udTA/hqdefault.jpgGOOGL Stock Explained: What Alphabet's Own Filings ShowIn three months Alphabet had revenue of 119.8 billion dollars, up 24 percent in a year, and one part of it grew 82 percent. Its own quarterly and annual filings show where the money comes from, what it is building for AI and what it flags. Subscribe for more numbers straight from official sources: GOOGL stock explained with the company's own numbers: revenue of $119.8 billion in the June 2026 quarter, up 24%; where it came from (Search, YouTube ads, subscriptions, Google Network and Google Cloud, up 82%); the $519.5 billion revenue backlog; why net income jumped (unrealized gains from SpaceX and a private company); capital spending for AI; the $49.6 billion raised in June 2026; dividends and buybacks; and three things Alphabet flags: AI competition, power, water and land, and the court cases. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:45 The Money 1:32 The Cloud 2:37 The Profit 3:01 Building for AI 4:18 For Shareholders 4:53 What It Flags 6:06 Three Things To Watch Sources - Alphabet Inc., Form 10-Q, quarter ended June 30, 2026: - Alphabet Inc., Form 10-K, 2025: - SEC, Investor.gov, Form 10-K: - SEC, Investor.gov, Form 10-Q: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/cBUV5l8udTA4122026-10-17 https://wealthfilings.pages.dev/roth-ira-explained-the-2026-rules-straight-from-the-irs/2026-10-17https://i.ytimg.com/vi/7JQTVZ8D-HE/hqdefault.jpgRoth IRA Explained: The 2026 Rules, Straight From the IRSIn 2026 the Roth IRA limit is 7,500 dollars, up from 7,000, and if two rules are met, everything the account earns can come out tax-free later. The video covers who can open one, how much goes in, when withdrawals are tax-free and one benefit that sets the Roth apart. Subscribe for more numbers straight from official sources: The Roth IRA, explained with the official 2026 rules: the $7,500 contribution limit ($8,600 at 50 or older), the compensation cap, the spousal IRA, the 2026 income phase-out ranges, no age limit, the contribution deadline, the order money comes out, the 5-year rule and qualified distributions, the $10,000 first-home exception, no required withdrawals for the owner, Roth vs traditional in the IRS's own table, the Saver's Credit, 529-to-Roth rollovers, and who contributes. Facts, not financial advice. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:24 The Account 0:52 How Much 2:08 Who Can 2:58 When 3:18 Taking It Out 3:49 Tax-Free 4:57 No Deadline 5:20 Roth or Traditional 5:48 Extra Help 7:00 Who Saves 7:38 Your Roth Ira In 3 Steps Sources - IRS, IR-2025-111, 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 (Nov. 13, 2025): - IRS, Retirement topics: IRA contribution limits: - IRS, Roth IRAs: - IRS, Publication 590-A (2025): - IRS, Publication 590-B (2025): - IRS, Retirement Savings Contributions Credit (Saver's Credit): - IRS, Form 8880 (2025): - IRS, Statistics of Income, Table 6, tax year 2023: - Federal Reserve, Changes in U.S. Family Finances from 2022 to 2025: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/7JQTVZ8D-HE5162026-10-17 https://wealthfilings.pages.dev/how-to-read-a-10-k-and-a-10-q-using-apple-s-own-filings/2026-10-17https://i.ytimg.com/vi/0P4jBfi-zPE/hqdefault.jpgHow to Read a 10-K and a 10-Q, Using Apple's Own FilingsA 10-K follows a set order of topics, so learning the map once lets you read almost any public company's 10-K filed under those rules. The video uses Apple's real 58-page filing and its quarterly 10-Q to show where to look; every fact is from official sources, and the tips are ours, based on the regulator's investor guide. Subscribe for more numbers straight from official sources: How to read a 10-K annual report and a 10-Q quarterly report, step by step: where to find them on EDGAR, the filing deadlines, Item 1 (Business), Item 1A (Risk Factors), Item 7 (the MD&A), Item 8 (the income statement, balance sheet and cash flow statement), the notes, the auditor's report and the certifications, and what's different in a 10-Q. Education about public documents, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:40 Where to Find It 1:17 Item 1: Business 1:38 Item 1A: Risk Factors 2:00 Item 7: The MD&A 2:28 Item 8: The Numbers 3:15 The Checks 3:55 The 10-Q 4:27 How To Read A 10-K Sources - SEC, Investor.gov, Investor Bulletin: How to Read a 10-K/10-Q: - SEC, Form 10-K (general instructions): - SEC, Form 10-Q (general instructions): - Apple Inc., Form 10-K, fiscal 2025: - Apple Inc., Form 10-Q, quarter ended June 27, 2026: - SEC, Investor.gov, Form 10-K: - SEC, Investor.gov, Form 10-Q: Research and fact-checking: Wealth Filings. This video is education about public documents, not financial advice.https://www.youtube.com/embed/0P4jBfi-zPE3242026-10-17 https://wealthfilings.pages.dev/nvda-stock-explained-what-nvidia-s-own-filings-show/2026-10-17https://i.ytimg.com/vi/s7sdcCfIh8A/hqdefault.jpgNVDA Stock Explained: What Nvidia's Own Filings ShowIn the three months to July 2026, Nvidia's revenue was 96.2 billion dollars, up 106 percent from a year earlier in its own report. Its latest filings, number by number, end with the line about how much Nvidia has committed for what comes next; where we do our own math, we say so. Subscribe for more numbers straight from official sources: Nvidia's revenue was $96.2 billion in the three months to July 2026, up 106%. We go through its new reporting framework (Hyperscale, AI clouds, industrial and enterprise, and Edge Computing), Data Center's $89.0 billion, net income up 126% and a 75% gross margin, the full fiscal 2026 ($215.9 billion), who buys its chips, the dividend raised from 1 cent to 25 cents and $80 billion in new buybacks, its 42,000 employees, the $279 billion in supply and capacity commitments (with the caveats Nvidia attaches), and three things Nvidia flags in its own reports. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:42 The Latest Quarter 1:39 The Profit 2:31 The Customers 3:25 Back to Shareholders 3:56 People and Research 4:17 The Big Bet 5:07 What to Watch 5:53 Three Things To Watch Sources - SEC, Investor.gov, Form 10-K: - SEC, Investor.gov, Form 10-Q: - NVIDIA, Form 10-Q, quarter ended July 26, 2026: - NVIDIA, Form 10-Q, quarter ended April 26, 2026: - NVIDIA, Form 10-K, fiscal 2026: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice. Corrections and context • Caption correction: at 4:11 the on-screen caption shows "7 oh $5 billion"; the narration says "seven point oh five billion dollars" ($7.05 billion).https://www.youtube.com/embed/s7sdcCfIh8A3922026-10-17 https://wealthfilings.pages.dev/how-to-get-the-most-out-of-amex-platinum-and-sapphire-reserve/2026-10-17https://i.ytimg.com/vi/kWRuMP5Zmso/hqdefault.jpgHow to Get the Most Out of Amex Platinum and Sapphire ReserveAmerican Express spent about 1.95 billion dollars on card member benefits and services in the second quarter of 2026, up from about 1.3 billion a year earlier. The video shows how to get the most out of the Amex Platinum and the Chase Sapphire Reserve, straight from the banks' own filings and card pages; where we do our own math, we say so. Subscribe for more numbers straight from official sources: In the second quarter of 2026, Amex spent 50% more on card member benefits and services than a year earlier. Here's how to get the most of an Amex Platinum ($895) or a Chase Sapphire Reserve ($795): what the fee buys, why members keep signing up, how Amex's spending on rewards and benefits compares with its card fees, JPMorgan's "higher annual fees, predominantly offset by lower net interchange", when your points don't expire, who these cards are built for, what Chase's page says about the J.P. Morgan Reserve, how to use the Platinum's credits, and the line Amex wrote to its investors. Plus three ways to get more from a premium card. Facts, not financial advice. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:49 What You Pay 2:31 What You Get 3:45 The Bank's Side 4:40 Your Points 5:31 Who They're For 6:52 The Credits 7:30 The Line 8:26 Three Ways To Get More Sources - SEC, Investor.gov, Form 10-K: - SEC, Investor.gov, Form 10-Q: - American Express Company, Form 10-K for 2025: - American Express Company, Form 10-Q, Q2 2026: - JPMorgan Chase & Co., Form 10-K for 2025: - JPMorgan Chase & Co., Form 10-Q, Q2 2026: - CFPB, The Consumer Credit Card Market (Dec 2025): - CFPB, How to find the best credit card for you: - Chase, The Most Rewarding Cards Are Here (June 23, 2025): - Chase Sapphire Reserve page, June 13, 2025 (Internet Archive): - Chase Sapphire Reserve page and benefits: - American Express Platinum Card: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information…https://www.youtube.com/embed/kWRuMP5Zmso5582026-10-17 https://wealthfilings.pages.dev/aapl-stock-explained-what-apple-s-own-filings-show/2026-10-17https://i.ytimg.com/vi/0_ueQ_xsuZw/hqdefault.jpgAAPL Stock Explained: What Apple's Own Filings ShowSales in one of Apple's regional segments jumped 30 percent to 64.8 billion dollars in the first nine months of fiscal 2026, by our math more than that region bought in all of fiscal 2025. Its latest filings, number by number, end with three things Apple flags in its newest report; where we do our own math, we say so. Subscribe for more numbers straight from official sources: Apple's sales in Greater China jumped 30% in the first nine months of fiscal 2026, after falling in fiscal 2025. We go through the latest quarter (iPhone up 22%, total sales of $109.4 billion, up 16%), the China comeback, a 50.1% gross margin helped by product mix and tariff refunds, R&D up 33%, services growth from advertising and cloud, the new $100 billion buyback and the 27-cent dividend, the biggest shareholders, Apple by the numbers, and three things Apple flags in its latest 10-Q. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:45 The Latest Quarter 1:33 The China Comeback 2:17 The Margin 2:55 Research 3:28 Services 4:14 Back to Shareholders 5:11 By the Numbers 5:57 What to Watch 6:34 Three Things To Watch Sources - SEC, Investor.gov, Form 10-K: - SEC, Investor.gov, Form 10-Q: - Apple Inc., Form 10-Q, quarter ended June 27, 2026: - Apple Inc., Form 10-Q, quarter ended March 28, 2026: - Apple Inc., Form 10-Q, quarter ended December 27, 2025: - Apple Inc., Form 10-K, fiscal 2025: - Apple Inc., 2026 proxy statement: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice. Corrections and context • Caption correction: at 5:04 the on-screen caption shows "7.1 oh"; the narration says "seven point one oh" (7.10).https://www.youtube.com/embed/0_ueQ_xsuZw4332026-10-17 https://wealthfilings.pages.dev/how-to-get-your-first-credit-card-with-no-credit/2026-10-17https://i.ytimg.com/vi/P1iraeyW4sc/hqdefault.jpgHow to Get Your First Credit Card With No CreditEight major card issuers approved 41 percent of applications for general purpose credit cards in 2024, and 65 percent of adults aged 18 to 29 already have a card. This guide to a first card with no credit covers the odds, the rules, where to start, pre-approval and the notice a lender must give if it says no. Subscribe for more numbers straight from official sources: In 2024 eight major card issuers approved 41% of applications for general purpose credit cards, and approval ran from 84.1% for superprime applicants to 12.9% for subprime and deep subprime. We cover how many adults really have no credit record (the CFPB roughly halved its old 2010 estimate in June 2025; by December 2020 the share was 2.7%), the under-21 rule, secured cards and credit builder loans, what pre-approved really means, who has a card by age, what you're owed if you're denied, and the line in Regulation B about "your score wasn't high enough". Plus three steps from the documents. Facts, not financial advice. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:27 The Odds 1:19 No Credit, Really? 1:59 The Rules 2:37 Where to Start 3:14 Pre-Approved? 3:56 Who Has One 4:29 If You're Denied 5:00 The Line 5:35 Three Steps Sources - CFPB, The Consumer Credit Card Market (Dec 2025): - CFPB, Credit card market report figure data (2025): - CFPB, Technical correction and update to the credit invisibles estimate (June 2025): - Federal Reserve, Economic Well-Being of U.S. Households in 2025 (May 2026): - 12 CFR 1026.51, Ability to pay (2025 edition): - 12 CFR 1002.9, Notifications (2025 edition): - CFPB, What are some ways to start or rebuild a good credit history?: - CFPB, What is a prescreened credit card offer?: - CFPB, My credit application was denied because of my credit report: - CFPB, How do I get a free copy of my credit reports?: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not…https://www.youtube.com/embed/P1iraeyW4sc3872026-10-17 https://wealthfilings.pages.dev/buy-now-pay-later-explained/2026-10-17https://i.ytimg.com/vi/bCv2ykXUfBk/hqdefault.jpgBuy Now, Pay Later ExplainedAbout one in six adults used buy now, pay later last year, and slightly more than a quarter of them paid late at least once, in a central bank's household survey. The companies' own filings show how the button brings in billions, why most of it stays out of credit records, and three checks before you tap the button. Subscribe for more numbers straight from official sources: About one in six adults used buy now, pay later in the past year, and slightly more than a quarter of them paid late at least once. We follow the money: the merchant fee (about 2.3% of volume at Affirm), Klarna's take rate on all of its revenue (2.7%), Affirm's biggest revenue line (interest income, about $2.05 billion), Klarna's $261 million in reminder fees, who uses it and why, the debt that stays invisible to credit records, the CFPB rule that was withdrawn in 2025, and three checks from the documents. Facts, not financial advice. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:44 How It Works 1:41 Who Pays for Free 3:21 Who Uses It 4:49 The Invisible Debt 5:19 The Rule That Disappeared 5:42 Three Checks Sources - Federal Reserve, Economic Well-Being of U.S. Households in 2025 (May 2026): - CFPB, Consumer Use of Buy Now, Pay Later and Other Unsecured Debt (Jan 2025): - CFPB, The Buy Now, Pay Later Market, Data Spotlight (Dec 2025): - Affirm Holdings, Form 10-K, fiscal year ended June 30, 2026: - Klarna Group plc, Form 20-F for 2025: - Federal Register, 89 FR 47068 (May 31, 2024): - Federal Register, 90 FR 20084 (May 12, 2025): Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice. Corrections and context • Caption correction: at 2:11 the on-screen caption shows "2 oh $5 billion"; the narration says "two point oh five billion dollars" ($2.05 billion).https://www.youtube.com/embed/bCv2ykXUfBk4012026-10-17 https://wealthfilings.pages.dev/why-paying-the-minimum-keeps-you-stuck/2026-10-17https://i.ytimg.com/vi/rhZnuqe9ZMM/hqdefault.jpgWhy Paying the Minimum Keeps You StuckOwe 2,000 dollars on a credit card at 29 percent, pay only the minimum, and you pay over 3,000 dollars in interest over almost ten years, in a consumer regulator's own example. The video follows that example through the official card rules and one card issuer's annual report. Subscribe for more numbers straight from official sources: Owe $2,000 at 29%, pay only the minimum, and the CFPB's own example says you'd pay over $3,000 in interest over almost 10 years. We break your card's rate into the prime rate, which follows the Fed (it raised rates on September 16, 2026, the first increase since 2023), and the APR margin, which the CFPB calls a business decision by each lender and which hit a record 16.4% in 2024. Plus the $160 billion interest bill, why minimum payments take so long, who carries the balances, and three moves from the documents. Facts, not financial advice. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:39 How Your Rate Is Built 2:21 The $160 Billion Bill 3:13 The Minimum Payment Trap 4:41 Who Pays 5:15 Three Moves Sources - CFPB, The Consumer Credit Card Market, report to Congress (Dec 2025): - Federal Reserve, FOMC statement (Sep 16, 2026): - Federal Reserve, open market operations, rate history: - Federal Reserve, G.19 Consumer Credit (Oct 7, 2026): - Regulation Z, 12 CFR 1026.7 (periodic statement): - Jialan Wang, To Pay or Autopay? NBER Working Paper w32332 (2024), as cited by the CFPB: - Synchrony Financial, Form 10-K for 2025: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice. Corrections and context • Correction: the 93% share of balances revolving in 2024 (CFPB report, Figure 48) is the private label (store card) series. For general purpose cards it was 82%. About half of general purpose accounts carried a balance (49% in 2024, Figure 47). • Context: the $2,000 example uses a 29% APR, which the CFPB…https://www.youtube.com/embed/rhZnuqe9ZMM3732026-10-17 https://wealthfilings.pages.dev/the-economics-of-owning-a-gym/2026-10-17https://i.ytimg.com/vi/BO97Rlcw2zc/hqdefault.jpgThe Economics of Owning a GymPlanet Fitness charges new members 15 dollars a month, yet the clubs it owns that have been open more than a year bring in about 2 million dollars a year each on average, according to its own annual report. The video opens the books of three gym companies, from membership prices to who owns the clubs. Subscribe for more numbers straight from official sources: Planet Fitness charges new members $15 a month, yet its corporate-owned clubs open more than 12 months average about $2.0 million a year in sales, with a four-wall adjusted EBITDA margin of about 42.7% (35.3% after the current 7% royalty rate). We follow the money: 20.8 million members, 2,896 clubs, 2,604 of them franchised and run by 86 groups; royalties and required equipment that franchisees replace every five to nine years. Plus Life Time's 149 visits per membership, the click-to-cancel rule a court vacated, the boutique studio bet (Xponential: about $554,000 weighted average initial franchisee investment in 2025, licenses sold down from 593 to 67), and the industry in numbers. Facts, not financial advice. Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:35 The $15 Machine 1:42 One Club's Math 2:19 Who Really Gets Paid 3:45 The Members Who Don't Come 4:47 Click to Cancel 5:38 The Boutique Bet 6:28 The Whole Industry 7:13 Three Checks Sources - Planet Fitness 10-K 2025: - Life Time Group Holdings 10-K 2025: - Xponential Fitness 10-K 2025: - Eighth Circuit, Custom Communications v. FTC, No. 24-3137 (Jul 8, 2025): - FTC final rule, 91 FR 6507 (Feb 12, 2026): - FTC advance notice, 91 FR 12318 (Mar 13, 2026): - BLS QCEW 2025, NAICS 713940: - Census Bureau, 2022 Economic Census, sector 71: - SBA 7(a) FOIA data (as of Jun 30, 2026): Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.https://www.youtube.com/embed/BO97Rlcw2zc4912026-10-17 https://wealthfilings.pages.dev/how-private-equity-really-makes-money-sec-filings/2026-10-16https://i.ytimg.com/vi/5VFHXnfj6e4/hqdefault.jpgHow Private Equity Really Makes Money (SEC Filings)Private equity funds reported 8.5 trillion dollars in net assets to the market regulator at the end of 2025, across 27,682 funds, and part of that money belongs to ordinary workers through their pension funds. The video follows how the firms make money, using their own annual filings. Private equity funds reported $8.5 trillion in net assets to the SEC at the end of 2025, across 27,682 funds. We follow how the firms get paid, in their own words: management fees of generally 1% to 2% of committed capital (KKR), not subject to clawback (Blackstone), plus carried interest of up to 20% of profits. CalPERS paid $738.7 million in management fees before offsets and $506.2 million in profit sharing in fiscal 2025. The four giants manage about $3.4 trillion together. Plus the SEC rule a court vacated, the three-year rule for carried interest, and the 2025 order on private equity in 401(k)s. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:49 The Machine 1:45 The Fee 2:33 The Carry 3:55 The Giants 4:54 The Rules 6:08 Three Checks Sources - SEC, Private Funds Statistics Q4 2025: - Blackstone 10-K 2025: - KKR 10-K 2025: - Apollo Global Management 10-K 2025 (SEC EDGAR, CIK 1858681) - The Carlyle Group 10-K 2025 (SEC EDGAR, CIK 1527166) - CalPERS ACFR fiscal 2025: - SEC, Private Fund Advisers final rule (Sep 14, 2023): - Fifth Circuit, No. 23-60471 (Jun 5, 2024): - Treasury/IRS, section 1061 final regulations (Jan 19, 2021): - Executive Order 14330 (Aug 7, 2025): - Federal Reserve, Financial Stability Report (May 2026): - SEC, Investment Adviser Public Disclosure: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice. Corrections and context • Correction: "its reason was size" refers to the SEC's reason for writing the private fund adviser rules. The Fifth Circuit vacated them on June 5, 2024 because, in its words, "the…https://www.youtube.com/embed/5VFHXnfj6e44222026-10-16 https://wealthfilings.pages.dev/how-to-become-a-millionaire-federal-reserve-data/2026-10-16https://i.ytimg.com/vi/uXOvwUXK0vQ/hqdefault.jpgHow to Become a Millionaire (Federal Reserve Data)About one in five families in one country is now worth a million dollars or more, by our count on a central bank's newest survey of family finances. A simulation with one fictional 25-year-old and only official numbers shows what it takes to reach a million, how long it takes and what the families who got there own. Subscribe for more numbers straight from official sources: About 1 in 5 American families (21.5%, about 29 million) had a net worth of $1 million or more in 2025, by our count on the Fed's public survey data. The median family: $215,900; the top tenth starts at $2.54 million. We run a hypothetical simulation: a 25-year-old saving every month until 65 needs about $655 a month at 5% or $381 at 7% to reach $1 million, and starting ten years later more than doubles the monthly amount. Plus the 2026 IRS limits ($24,500 for a 401(k), $7,500 for an IRA), who actually joins a retirement plan, and what the families at the top own. Hypothetical returns, not a forecast. Facts, not financial advice. Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:30 The Finish Line 1:44 The Simulation 4:01 The Tools 5:04 The Reality Check 5:29 What They Own 6:47 Three Checks Sources - Fed, Changes in U.S. Family Finances from 2022 to 2025 (Oct 9, 2026): - Fed, 2025 SCF public data extract: - Fed, 2025 SCF historical tables (real dollars): - Fed, Distributional Financial Accounts: - Fed, Economic Well-Being of U.S. Households in 2025 (May 2026): - IRS, 2026 401(k) and IRA limits: - BLS, Employee Benefits in the United States, March 2026: - Investor.gov, What is compound interest?: - Investor.gov, compound interest calculator: Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice. Corrections and context • Correction: the homeowner versus renter gap is not the widest in the Fed's Table 2. The income split is wider: a median net worth of $3,669,900 for…https://www.youtube.com/embed/uXOvwUXK0vQ4632026-10-16 https://wealthfilings.pages.dev/how-to-protect-your-money-from-inflation-official-data/2026-10-16https://i.ytimg.com/vi/NCKjORQOTWU/hqdefault.jpgHow to Protect Your Money From Inflation (Official Data)Prices rose 3.7 percent over the last twelve months in one country's official index, with gasoline up 34.2 percent and groceries up just 1.8. Seven places to keep your money are ranked here by how well they hold up against inflation, from a regular savings account to the government bond set up to protect against it. Subscribe for more numbers straight from official sources: Prices rose 3.7% in the 12 months to September 2026, gasoline 34.2%, while the FDIC's national average savings rate is 0.37%. $10,000 at that rate lost about $321 of buying power in a year, by our math. We rank seven places for your money, from the one that follows inflation least to the one built to follow it most: savings account, 12-month CD, money market funds, Treasury bills (13-week investment rate of 4.185% at the October 13 auction), Treasury floating rate notes, I bonds (4.26% for bonds issued May to October 2026, up to $10,000 a year) and TIPS (principal adjusted with the CPI, never less than the original at maturity). Plus three dates to watch. Facts, not financial advice. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:53 Your Number 2:30 Savings Account 3:27 12-Month CD 3:52 Money Market Funds 4:44 Treasury Bills 5:50 Floating Rate Notes 6:32 I Bonds 7:41 TIPS 9:13 Three Dates Sources - BLS, Consumer Price Index, September 2026: - BLS, CPI-U series CUUR0000SA0: - BLS, Real Earnings, September 2026: - Federal Reserve, FOMC statement (Sep 16, 2026): - FDIC, National Rates and Rate Caps: - FINRA, Bonds: - SEC, Money Market Fund Statistics, August 2026: - SEC Investor.gov, money market funds: - TreasuryDirect, Floating Rate Notes: - U.S. Treasury, 2-year FRN auction results (Jul 29, 2026): - TreasuryDirect, Treasury Bills: - U.S. Treasury, 13-week bill auction results (Oct 13, 2026): - TreasuryDirect, Series I Savings Bonds: - TreasuryDirect, I bond rates: - TreasuryDirect, paper bonds with your tax refund: - TreasuryDirect, TIPS: - U.S. Treasury…https://www.youtube.com/embed/NCKjORQOTWU6072026-10-16 https://wealthfilings.pages.dev/how-the-stock-market-really-works-fed-data/2026-10-16https://i.ytimg.com/vi/gh6lEt3dskw/hqdefault.jpgHow the Stock Market Really Works (Fed Data)Every number in this video comes from official documents: the Federal Reserve, the SEC, SEC filings from Robinhood, Apple and NVIDIA, the IRS, and the U.S. Code. Sources below. This month the Fed published its newest survey: 56% of American families own stocks, 31% in the bottom half of earners and 97% in the top tenth. We follow one tap on a trading app: where the order goes (less than 60% of stock volume runs on exchanges, per SEC staff), who pays for it (55% of Robinhood's 2025 net revenue came from market makers and exchanges), how Apple spent $90.7 billion buying back its own stock in fiscal 2025, who owns the market (the top 1% hold about half of the stocks and mutual funds families own outside retirement plans), what happened in 1987, 2008, 2010 and 2020, and what fees and taxes take. Plus three checks from the SEC. Watch next: How to Become a Millionaire (Federal Reserve Data): Chapters 0:00 Intro 0:34 The Click 3:47 What You Own 4:52 The Cash Machine 6:35 Who Owns It 8:33 When It Breaks 10:49 The Slow Engine 11:48 The Quiet Cut 12:55 Three Checks Sources - Fed, Survey of Consumer Finances 2025 (Oct 2026): - Fed, Distributional Accounts (2026:Q2): - Fed, Z.1, Q2 2026: - Fed, Financial Stability Report (May 2026): - Fed, Monetary Policy Report (Jun 2020): - SEC staff report, early 2021 markets: - SEC order on Robinhood (Dec 2020): - Robinhood 10-K 2025: - Robinhood 10-Q Q2 2026: - Nasdaq 10-K 2025: - Apple 10-K FY2025: - Apple 10-Q (Jun 2026): - NVIDIA 10-K FY2026: - NVIDIA 10-Q (Jul 2026): - 26 U.S. Code § 4501: - Brady Report (Jan 1988): - FCIC report (2011): - CFTC-SEC, May 6, 2010 report: - SEC Release 34-90134 (circuit breakers): - SEC, How fees affect your portfolio: - Investor.gov, compound interest: - Investor.gov glossary: - Investor.gov, check a professional: - IRS Rev. Proc. 2025-32: - IRS SOI Table 1.4A, 2023: - IRS, 2026 401(k) limit: Research and fact-checking: Wealth Filings. For information only, not financial advice. Corrections and context…https://www.youtube.com/embed/gh6lEt3dskw8502026-10-16 https://wealthfilings.pages.dev/how-credit-card-companies-really-make-money-sec-filings/2026-10-16https://i.ytimg.com/vi/rsQUj0d6glQ/hqdefault.jpgHow Credit Card Companies Really Make Money (SEC Filings)In nine months American Express paid Delta 6.9 billion dollars for miles, up 14 percent from a year earlier, according to Delta's own quarterly report. The video follows that money to the banks and card networks to show who really pays for card rewards. In the first nine months of 2026, American Express paid Delta $6.9 billion, under a heading in Delta's filing called Sale of Miles. We follow one card swipe: where the fee goes, why rewards cards cost stores more (GAO), how much the bank hands back (JPMorgan Chase, about 82 cents of every dollar of interchange and processing income in 2025, by our math), where card profit really comes from (about 80% from credit, per the Fed), and what the Fed paper "Who Pays For Your Rewards?" found. Plus three checks from the CFPB and the FTC. Watch next: Chapters 0:00 Intro 1:04 The Swipe 3:11 What Comes Back 5:36 The Real Engine 7:57 The Miles Market 10:43 Who Pays 12:50 Three Checks Sources - Delta Air Lines, Form 10-Q, Q3 2026: - Delta Air Lines, Form 10-K 2025: - United Airlines Holdings, Form 10-K 2025: - American Airlines Group, Form 10-K 2025: - JPMorgan Chase, Form 10-K 2025: - JPMorgan Chase, Form 10-Q, Q2 2026: - American Express, Form 10-K 2025: - Capital One, Form 10-K 2025: - Visa, Form 10-K FY2025: - Mastercard, Form 10-K 2025: - GAO-25-107298, Payment Cards (Apr 2025): - Federal Reserve, FEDS Notes, Credit Card Profitability (Sep 9, 2022): - Federal Reserve, Report to the Congress on credit card profitability (Nov 2025): - CFPB, The Consumer Credit Card Market (Dec 2025): - Federal Reserve, G.19 Consumer Credit (Oct 7, 2026): - Fed, FEDS 2023-007, Who Pays For Your Rewards?: - Boston Fed, Working Paper 20-13 (Dec 2020): - Boston Fed, Discussion Paper 10-3 (2010): - CFPB, What is a grace period for a credit card?: - CFPB, How to find the best credit card for you: - FTC, scams to lower your card's interest rate: - CFPB, Credit card agreement database: - CFPB, Credit Card Penalty Fees (Regulation Z), Federal Register…https://www.youtube.com/embed/rsQUj0d6glQ8602026-10-16 https://wealthfilings.pages.dev/how-banks-create-money-from-nothing-official-documents/2026-10-15https://i.ytimg.com/vi/dK6Vn8R4Jp4/hqdefault.jpgHow Banks Create Money From Nothing (Official Documents)Every number in this video comes from official documents from the Federal Reserve, the FDIC, the CFPB and the Bank of England. Sources below. Subscribe for more numbers straight from official sources: When a bank makes a loan, it creates a brand-new deposit: the Bank of England says so, and so did the Chicago Fed's Modern Money Mechanics. Almost 90% of America's money isn't cash, the Fed's reserve requirement has been zero since March 2020, and the Fed now pays banks 3.90% on reserves while the average savings account pays 0.37%. Banks earned $90.1 billion in Q2 2026. Plus what SVB's collapse showed, and three numbers to check at your own bank. Facts, not financial advice. Watch next: Chapters 0:00 Intro 0:58 The Myth 2:52 The Printing Press 4:40 The Limit 6:12 The Spread 8:36 The Weak Spot 9:49 Three Numbers To Check Sources - Federal Reserve, H.6 Money Stock Measures (Sep 22, 2026): - Bank of England, Money creation in the modern economy, Quarterly Bulletin 2014 Q1: - Bank of England, How is money created?: - Federal Reserve Bank of Chicago, Modern Money Mechanics, revised June 1992 (FRASER): - Federal Reserve, 2026 currency print order: - Federal Reserve, Federal Reserve liabilities: - Federal Reserve, FAQ on accounts for individuals: - Federal Reserve, H.4.1 Factors Affecting Reserve Balances (Oct 8, 2026): - Federal Reserve, H.4.1 of Apr 14, 2022 (balance sheet peak): - Federal Reserve, Reserve Requirements: - Federal Reserve, implementation note of Sep 16, 2026: - FDIC, National Rates and Rate Caps, September 2026: - Freddie Mac, Primary Mortgage Market Survey (Oct 8, 2026): - Federal Reserve, G.19 Consumer Credit (Oct 7, 2026): - CFPB, The Consumer Credit Card Market (Dec 30, 2025): - CFPB, Overdraft/NSF revenue in 2023: - FDIC, Quarterly Banking Profile, Q2 2026: - FDIC, Quarterly Banking Profile, Q4 2025: - Federal Reserve, Large Commercial Banks (Jun 30, 2026): - FDIC, Community Banking Study (Dec 2012): - Federal Reserve, Review of the Supervision and…https://www.youtube.com/embed/dK6Vn8R4Jp46632026-10-15 https://wealthfilings.pages.dev/why-health-insurance-is-so-expensive-official-filings-explain-it/2026-10-15https://i.ytimg.com/vi/MlCr0yawFvo/hqdefault.jpgWhy Health Insurance Is So Expensive (Official Filings Explain It)Every number in this video comes from official filings and government reports. Sources below. Subscribe for more numbers straight from official sources: Insurers on the ACA marketplace proposed a median 15% increase for 2027, and a family plan at work already costs $26,993 a year. The 80/20 rule is supposed to stop insurers from keeping too much of it, but it caps a percentage, not dollars. Inside UnitedHealth Group's SEC filing: $168 billion that Optum booked from its own group. What regulators wrote about it, what it means for prices, and the one question to ask HR. Watch next: Chapters 0:00 Intro 0:58 The 80/20 Rule 1:34 The Catch 2:28 Paying Itself 4:36 Washington Noticed 5:26 The Pharmacy Counter 5:59 The Real Driver 7:03 What It Means For You Sources - KFF, 2025 Employer Health Benefits Survey (Oct 22, 2025): - HealthCare.gov, Rate Review & the 80/20 Rule: - KFF, Medical Loss Ratio Rebates (Jul 13, 2026): - UnitedHealth Group, Form 10-K for fiscal year 2025 (SEC): - UnitedHealth Group, third quarter 2026 results (SEC): - Federal Register, CMS Contract Year 2026 rule (Dec 10, 2024): - MedPAC, March 2026 Report to the Congress, Chapter 1: - FTC, interim staff report on PBMs (Jul 2024): - FTC, second interim staff report on PBMs (Jan 14, 2025): - RAND, hospital price transparency project (Round 5.1): - CMS, National Health Expenditure fact sheet: - OECD, Health at a Glance 2025: - CMS, Medicare Advantage and Part D 2027 (Sep 2026): - HealthCare.gov, dates and deadlines: - KFF, ACA marketplace premiums 2027 (Aug 3, 2026): Stock footage: Pixabay ( - TungArt7 on Pixabay: - Scrudgerello on Pixabay: - Tbabai on Pixabay: - Hassas_Arts on Pixabay: - Hassas_Arts on Pixabay: - MasterTux on Pixabay: - twawer2000 on Pixabay: - InOldNews on Pixabay: - 34168960 on Pixabay: - Dimitri_K on Pixabay: - Roque_dg on Pixabay: - Roque_dg on Pixabay: - InOldNews on Pixabay: - RoyBuri on Pixabay: Research and fact-checking: Cost Unboxed. This video is for information only, not…https://www.youtube.com/embed/MlCr0yawFvo5082026-10-15 https://wealthfilings.pages.dev/airlines-are-secretly-banks-the-sec-filings-prove-it/2026-10-15https://i.ytimg.com/vi/orSA16Kwvac/hqdefault.jpgAirlines Are Secretly Banks (The SEC Filings Prove It)In June 2020 an airline told investors its frequent flyer program was worth about 22 billion dollars, while the stock market valued the whole airline at around 11 billion. This video follows how miles became a business of their own, from a 1987 credit card deal to loans backed by loyalty programs. Every number comes from the official filings and company reports listed below. Subscribe for more numbers straight from official sources: In June 2020, United Airlines told investors its frequent flyer program was worth about $22 billion. That same day, the stock market valued the entire airline at around $11 billion. This is the story of how airline miles became one of the most valuable currencies in America, who really pays for them, and what it means for the miles in your account. Watch next: How to Protect Your Money From Inflation (Official Data): Chapters 0:00 Intro 0:52 A Price War 1:38 The Card 2:36 A Private Currency 3:33 The Pandemic Proof 4:40 The Real Customer 5:34 The Backlash 6:27 What It Means For You 7:01 Secretly Banks? Sources - United Airlines, MileagePlus investor presentation (Jun 15, 2020): - Skift, How Is United Airlines' Loyalty Program Worth $22 Billion? (Jun 15, 2020): - United market value on Jun 15, 2020: UAL close $39.00 x 290,983,657 shares outstanding (SEC Form 10-Q, Jul 2020) - United Airlines Form 8-K, $6.8B MileagePlus financing (Jul 2020): - Delta Air Lines, SkyMiles financing upsized to $9B (Sep 17, 2020): - American Airlines Form 8-K, AAdvantage appraisal and CARES Act loan (Jun 12, 2020): - American Airlines, $10B AAdvantage financing (Mar 10, 2021): - American Airlines, full-year 2024 results (Jan 23, 2025): - Delta Air Lines, full-year 2025 results (Jan 13, 2026): - CNBC, Delta CEO says carrier went 'too far' in SkyMiles changes (Sep 28, 2023): - Skift, DOT probes loyalty programs of the four largest US airlines (Sep 5, 2024): - PYMNTS, DOT launches inquiry into rewards programs of 4 airlines (Sep 5, 2024): Research and…https://www.youtube.com/embed/orSA16Kwvac4832026-10-15 https://wealthfilings.pages.dev/7-ways-people-earn-extra-money-on-weekends-and-how-each-one-works/2026-10-24https://i.ytimg.com/vi/mY7WnxeAiQ0/hqdefault.jpg7 Ways People Earn Extra Money on Weekends, and How Each One WorksSeven ways people earn extra money on weekends, from selling clothes on Vinted to hosting an Airbnb Experience where you live, and how each one works, step by step, with each platform's own setting for hours and breaks. Every step comes from each platform's own help page, checked on October 24, 2026; programs, fees and payouts depend on where you live and can change, so check the platform's page. The counts said as "by our count" are our own arithmetic on the platforms' numbers. This video is information only, not financial advice. Subscribe for more numbers straight from official sources: Chapters 0:00 Intro Sources - Vinted, How it works: - Vinted Help, Is selling on Vinted free?: - Vinted Help, Selling basics: - Vinted Help, Using vacation mode: - eBay Help, Time Away: - eBay Help, Time Away (another market's page, same rules): - Etsy Help, How to Manage Vacation Mode for Your Shop: - Etsy Help, How to Set Processing Times: - Etsy Help, What are the Fees and Taxes for Selling on Etsy?: - Upwork Help, Learn about the Freelancer Service Fee: - Upwork Help, How to display your available hours on Upwork: - Fiverr Help, Setting Availability for freelancers: - Fiverr Help, How Fiverr works for freelancers: - Fiverr Help, Creating a Gig: - Uber, Become a Delivery Driver Using Uber Eats: - Airbnb, Host an experience on Airbnb: Research and fact-checking: Wealth Filings. This video is for information only, not financial advice.https://www.youtube.com/embed/mY7WnxeAiQ06102026-10-24 https://wealthfilings.pages.dev/7-ways-people-earn-extra-money-from-home-and-how-each-one-works/2026-10-24https://i.ytimg.com/vi/y8Gi-1KHnTk/hqdefault.jpg7 Ways People Earn Extra Money From Home, and How Each One WorksSeven ways people earn extra money from home, from selling craft designs on Creative Fabrica to teaching a language on italki, and how each one works, step by step. Every step comes from each platform's own help page, checked on October 24, 2026; fees, rules and payouts depend on where you live and can change, so check the platform's page. The counts said as "by our count" are our own arithmetic on the platforms' numbers. This video is information only, not financial advice. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro Sources - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Research and fact-checking: Wealth Filings. This video is for information only, not financial advice.https://www.youtube.com/embed/y8Gi-1KHnTk6652026-10-24 https://wealthfilings.pages.dev/7-ways-people-earn-extra-money-with-just-a-phone-and-how-each-one-works/2026-10-24https://i.ytimg.com/vi/Obnu6aA8mNI/hqdefault.jpg7 Ways People Earn Extra Money With Just a Phone, and How Each One WorksSeven ways people earn extra money with just a phone, from short surveys to sharing product links, and how each one works, step by step. Every step comes from each platform's own page, checked on October 24, 2026; programs, payouts and requirements depend on where you live and can change, so check the platform's page. The counts said as "by our count" are our own arithmetic on the platforms' numbers. This video is information only, not financial advice. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro Sources - Google Opinion Rewards (Google Surveys app page): - clickworker, Become a Clickworker: - Snapchat Support, About Snapchat's Monetization Program: - Snapchat Support, What are Creator Rewards and how can I earn them?: - Spotify for Creators, Spotify Partner Program: - Twitch Help, Joining the Affiliate Program: - TikTok Support, Creator Rewards Program: - Amazon Associates Central: - Amazon Associates Central, Associates Program Standard Commission Income Statement: Research and fact-checking: Wealth Filings. This video is for information only, not financial advice.https://www.youtube.com/embed/Obnu6aA8mNI3312026-10-24 https://wealthfilings.pages.dev/6-apps-and-sites-that-pay-you-and-how-to-start-each-one/2026-10-24https://i.ytimg.com/vi/gjhRD5mf1A0/hqdefault.jpg6 Apps and Sites That Pay You, and How to Start Each OneSix apps and sites that pay you, counted down from delivering orders to selling the things you no longer use, with the first step for each one. The fees and rules come from each platform's own official pages, listed below, and they differ where you live. The mascot is a fictional character, and this video is information only, not financial advice. Subscribe for more numbers straight from official sources: Watch next: 7 Ways People Make Extra Money, and How Each One Works: Chapters 0:00 Intro 0:26 6. Uber: delivering orders 2:00 5. Gumroad: selling a digital product 4:00 4. Airbnb: hosting 6:00 3. YouTube: Shorts from your phone 7:47 2. Vinted: selling clothes you own 9:33 1. eBay: selling things you no longer use 11:09 Recap Sources - Uber, delivery page in one region (ways to deliver, earnings, tips and payouts): - Uber, delivery page in another region (your own schedule, earnings shown in the app): - Gumroad pricing and FAQ (10% + $0.50 direct, 30% via Discover, no monthly fee, merchant of record): - Airbnb Help Center, service fees (single fee, most hosts 15.5%): - Airbnb, how you'll get paid for hosting (released within 1 business day after check-in): - Airbnb Help Center, age requirement: - YouTube Help, YouTube Partner Program overview and eligibility: - YouTube Help, Shorts monetization policies (45% revenue share, rule from February 1, 2027): - YouTube Help, create YouTube Shorts: - Vinted Help Center, is selling on Vinted free (one region): - Vinted Help Center, is using Vinted free (another region): - Vinted Help Center, the Vinted fee: - Vinted Help Center, getting paid for a completed sale: - Vinted terms and conditions (age, payouts in local currency): - eBay Help, selling fees in one region (free listings each month): - eBay Help, fees for private sellers in another region (free listings, free selling): - eBay Help, create a listing: - eBay Help, getting paid for items sold: Research and fact-checking: Wealth Filings. This video is for information…https://www.youtube.com/embed/gjhRD5mf1A07282026-10-24