If You Don’t Understand Bonds, You Don’t Understand Money

The bond market sets your mortgage rate, prices your cash, and quietly cost “safe” retirement portfolios 16% in 2022 — yet most Americans have never looked at it once.
In this video, we break down how the bond market actually works: what a bond is, why the 10-year Treasury yield decides your 30-year fixed mortgage rate, how rising interest rates turned bonds — the supposed seat belt of a 60/40 portfolio — into the thing causing the crash, and what every rate move costs you in dollars across your mortgage, your bond fund, and your cash.
You’ll also learn what duration is (the one bond number nobody knows their fund’s), why the yield curve has preceded all 10 US recessions since 1955, how the equity risk premium connects stocks and bonds, and why high-yield savings and 3-month T-bills can earn nearly 10× more than the average savings account — same safety, dramatically different yield.
By the end you’ll read the bond market the way most finance professionals don’t.

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Disclaimer: This content is for entertainment and educational/informational purposes only and is not financial, medical, or psychological advice.

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