The good news is the IRS is reporting about a 10% rise in average income tax refunds. However, the initial data is showing most Americans are just not spending the windfall. Understandably, they’re either saving the money or more often paying down debt. Those are certainly positive in their own way, helping struggling taxpayers repair their own fiscal balance sheets after years of limited income growth and jobs, but from the broader economic perspective it’s not what was hoped.

Eurodollar University’s Money & Macro Analysis

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Visit https://eurodollaruniversity.substack.com
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Did the 2008 Tax Rebates Stimulate Spending?
https://pmc.ncbi.nlm.nih.gov/articles/PMC3522430/

Tax Refund Splurge for Many Americans Is Paying Down Debt
https://www.bloomberg.com/news/articles/2026-04-16/higher-2026-tax-refunds-help-us-households-pay-down-credit-card-student-debt

https://www.eurodollar.university
Twitter: https://twitter.com/JeffSnider_EDU

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XRP & SOLANA = MORE XRP UTILITY – $100 BILLION IN VOLUME = $300+ XRP – WLFI SCAM DEEPENS! – XRP NEWS

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Hey, I am Rich from Common Sense Crypto, bring you crypto news & information regarding the cryptocurrency market. The content on my channel will focus on news, common sense, insights and overall guides regarding XRP, Bitcoin, Ethereum, HBAR, & various altcoins.

DISCLAIMER: I am not a financial adviser, & all information given in my videos or on my social media platforms is for entertainment purposes only and is not financial advice.

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0:00 Intro
0:35 Market Overview
1:30 Trump On War
3:25 Powell
4:20 Clarity Act
8:20 Goldman Sachs
8:40 XCE
9:35 Elon Musk
11:05 Saturn
12:15 Wholecoiner Flow
13:15 Funding Rate
13:55 Ethereum
14:45 Chainlink
15:05 Ripple
15:40 Prediction Markets
16:30 Charts
18:35 Q&A

🔴Full Disclaimer: This video and its contents are for informational purposes only and do not constitute an offer to sell or trade, a solicitation to buy, or recommendation for any security, cryptocurrency, or related product, nor does it constitute an offer to provide investment advice or other related services by CryptosRUs. CryptosRus may have a financial investment with the cryptocurrencies discussed in this video. In preparing this video, no individual financial or investment needs of the viewer have been taken into account nor is any financial or investment advice being offered. Any views expressed in this video were prepared based upon the information available at the time such views were written. Changed or additional information could cause such views to change.

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Welcome Back To The Channel!

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#crypto #cryptotrading #cryptocurrency

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Video Link – https://youtu.be/OCGuCQ9kzRQ?si=nsrrgl1W3RDaWuuD

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RUANG PODCAST by :
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https://www.pelatihanmerdeka.com/workshop/daily-earning-machine
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SYARAT MENGIKUTI ACARA: (WAJIB)
1. Berusia diatas 17 Tahun (Memiliki KTP)
2. Memiliki Aset Dingin UANG TUNAI (CASH) minimal setara US$6000 (Minimal 100 Juta Rupiah) yang akan Dikelola di Dompet (COLD WALLET) Pribadi Masing-Masing Peserta
3. Membawa / Beli COLD WALLET (di lokasi acara) sebagai Self Custody (Penyimpanan Aset Mandiri)

[00:00] Masa Depan Keuangan: Mengapa Saham & Deposito Saja Tidak Cukup di Era AI?

[00:48] Welcome Back Pak Aldi: Belajar dari Pakar Keuangan Masa Depan

[01:00] Dilema Orang Tua: Mengapa Masih Bergantung pada Pihak Ketiga dengan Fee Tinggi?

[01:39] Apa itu DeFi? Mengenal Sistem Keuangan Tanpa Perantara (Decentralized Finance)

[02:23] DeFi vs Deposito: Membongkar Rahasia Fractional Reserve & Biaya Tetap Perbankan

[03:41] Mengapa Bunga Pinjaman Bank Mahal? Perbandingan Gap Bunga 2% vs 12%

[04:49] Efisiensi Blockchain: Hilangnya Fixed Cost (Gedung & Karyawan) dalam Sistem DeFi

[05:27] Pinjam Uang Tanpa Ditagih Debt Collector: Keajaiban Smart Contract & Algoritma

[06:05] Emas Digital vs Emas Tradisional: Keunggulan Aset On-chain yang Bisa Dibawa Mendunia

[07:59] Simulasi Landing & Borrowing: Cara Mendapatkan Yield 4% dari Dolar Digital

[09:11] Apa itu Liquidity Pool? Strategi Menjadi “Money Changer” Digital untuk Passive Income

[10:18] On-chain Gold: Solusi bagi Investor Konservatif yang Takut Volatilitas Kripto

[11:27] Real Digital vs E-Money: Mengapa Saldo Dompet Digital Anda Bukan Digital yang Sebenarnya?

[12:43] Strategi Multi-Aset: Cara Menjaminkan Bitcoin untuk Beli Emas & Reksa Dana Secara Bersamaan

[14:38] Memutar Cash Flow: Menggunakan Yield dari Liquidity Pool untuk Mencicil Hutang Aset

[16:11] Mengapa Dunia Menuju DeFi? Dampak Kebijakan Donald Trump (Bitcoin Act & Genius Act)

[17:27] Rahasia Dibalik Dolar Digital: Hubungan Stablecoin dengan US Treasury Bonds

[18:18] Geopolitik & DeFi: Mengapa Negara yang Terkena Sanksi Beralih ke Transaksi On-chain?

[19:36] Project Garuda BI: Mengenal CBDC (Central Bank Digital Currency) Rupiah Digital 2026

[21:17] Closing: Undangan Pelatihan Merdeka 9-10 Mei & Persiapan Menjadi Orang Terdepan di Era Baru
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