Let me ask you a question.

How do you feel about America right now?

Well, if you’re like most people I speak with, the answer is probably: ‘Pretty damn lousy.’

Of course, I can’t blame you for feeling that way.

Fuel prices are elevated. Wars are raging. Political division continues to agitate.

If you look at the headlines, the mood is sour.

But here’s my contrarian thought: what if the pessimism has been oversold?

Certainly, our modern media is very good at promoting negative emotions. But what it doesn’t do is show us the other side of the story: positive progress.

 

Source: Ryan Detrick / X

 

Let me give you an example of what the media isn’t telling you. Take a look at this picture. This is the percentage of household debt relative to household assets. It’s surprisingly revealing:

  • Since the Global Financial Crisis, leverage has been falling steadily. You can see that it has effectively dropped by half since the GFC.
  • This is happening because economic growth has been strong, creating wealth much faster than anyone anticipated.
  • This means that household liabilities are actually at their lowest level since 1963. Back then, John F. Kennedy was in the White House, and the Beatles were conquering the music charts. Imagine that.

 

Source: Ryan Detrick / X

 

Now, here’s a snapshot of the overall financial health of American households. It’s quite remarkable:

  • As a percentage of disposable income, you can see that assets are expanding, while liabilities are being compressed. This trend is actually accelerating over time.
  • Between 2000 and 2025, the number of millionaires in the United States climbed by over 200%. This happened while the population rose by only around 20%.
  • In other words: the American dream is not dead. It’s alive and well, and it’s giving ambitious people a real shot at upward social mobility. As I write this, American households have built up nearly $200 trillion in net assets.

Indeed, the rising tide of prosperity is extraordinary. And for this reason, I’ve been watching a financial business that’s found a clever way to benefit from this trend:

  • It runs a powerful platform that allows American households to buy and hold global assets. This may very well be one of the purest ways to tap into the growth of self-directed wealth.
  • This business continues to go from strength to strength. Its stock price has soared by over 300% in the past five years. It seems to be well-placed to capitalise on America’s entrepreneurial spirit.
  • Could there be more upside to come?

 

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