Good morning.
People oftentimes ask me how I got into crypto or why my political views can seem unconventional or irreverent.
It’s kind of funny how the state of the world in the year 2025 blends all aspects of life together with similar themes — markets, finances, society, politics, etc.
The short answer is I have simply been looking and paying attention to the environment around me all these years, realizing:
a.) I was largely sold a lie growing up or was at least misled despite good intentions
b.) the situation we find ourselves in NOW requires us to quickly adapt in order to excel and win
That means questioning the normie narratives, understanding the games being played, and positioning yourself outside the blast radius when legacy systems finally buckle or choke. It means building leverage through knowledge, assets, and skill—not feel good titles or email job tenure.
It means trading comfort for clarity, and short-term security for long-term sovereignty.
It’s about recognizing the shift, staying ahead of it, and turning the chaos into fuel. That's what Arb Letter exists to do: help you see through the fog, map the terrain, and act accordingly.
Let’s take stock of the present.
On the job market front?
Job seekers in today’s market are facing a brutal slog—the median time to land an offer is now over two months, with many searches stretching 5 to 6 months or longer, especially in tech and white-collar roles. Over a third of applicants report job hunts lasting half a year or more, underscoring just how broken the 9–5 safety net really is.
In a revealing trend that underscores just how fragile institutional loyalty and corporate overreach has become, several major banks are now actively testing and tracking employees for signs of disloyalty.
Goldman Sachs has introduced quarterly “loyalty oaths” requiring junior analysts to confirm they haven’t accepted roles elsewhere, especially in private equity. JPMorgan Chase reportedly warns new hires that accepting an outside offer within the first 18 months could result in termination.
Citi recently rolled out an attestation form asking employees to disclose any pending job offers. Morgan Stanley has adopted similar pledge systems, with failure to comply risking dismissal. These measures mark a shift from mutual trust to coercive oversight— full corporate loyalty is no longer optional, it’s demanded.
Additionally — layoffs continue to pepper the news each and every day, reflecting some odd disconnect between “official” jobs numbers.
For anyone serious about building sovereignty and escaping the 9–5 leash, this is your signal: own your time, diversify your income, and build leverage that can’t be revoked by HR.
On the asset & markets front?
I like to play this game mentally these days.
Let’s say I got $1,000,000 cash tomorrow.
In decades past you’d be set.
Today?
It might get me a starter home cash. And then what lol? Does it set you free?
No. Not unless you’re living off grid or on a beach in Belize.
Let’s back up — someone gives you $50,000 cash.
What’s that get you? 1 year of college tuition? A wedding payment? A new car?
Fiat and the dollar have been completely bastardized and there’s no end to the circus.
Even for higher earners, buying a home today feels like running uphill with a boulder. Six-figure incomes barely move the needle when median home prices sit near $440K and monthly mortgage payments top $2,500—with 7% rates locking in decades of interest that keep you poor.
God forbid you buy and lose your job. You’re fucking hosed.
Inventory is tight, quality listings are snapped up in days, and bidding wars still erupt in desirable areas with multiple bidders offering cash left and right. Households making $150K+ are stretching to afford average homes, often dipping into savings, selling stocks or crypto, or leaning on family just to compete. Homeownership used to be a milestone, but now it's a leverage game that punishes anyone without assets, timing, or connections.
Young people are noticing the lack of upward mobility these days and the MASSIVE increase in PEOPLE and COMPETITION (very key factors we will discuss at a later date).
They can feel it and see this everywhere. I do every day.
Still while the housing market or 401K investing won’t free us like it did the boomers — there are some encouraging new pockets of opportunity that can likely “set you free”.
Things are continuing to get utterly absurd in crypto land — and for equities as well, as assets continue to put in all time highs defying all logic and pragmatic macro expectation.
There’s always going to be insane equity plays like NVDA 0.00%↑ MSFT 0.00%↑ AAPL 0.00%↑ AMZN 0.00%↑ COIN 0.00%↑ and others — but in the coming years the question is, will their gains compare to the new ecosystems and markets being developed in the crypto, defi, AI, and lending sectors. These are the next industries of the future.
Will 401K investing and dividend stocks be able to keep you afloat in the years to come? Will social security and retirement be an option for people?
My bet would be absolutely no.
Don’t get me wrong it’s worth keeping your beach-head in equity land, it ensures diversification and a good hedge should risk off assets take a big hit due to some macro black swan.
But catching the next revolutionary wave of technology and financial markets hyper growth to make sure you and your lineage come out on top?
In my humble opinion that’s going to be crypto and all adjacent markets and technology (AI, Blockchain, Automation, Smart Contracts, Tokenization).
It’s the logical next step, and we don’t have to just assume that.
It’s already happening. Everything is going digital.
Today’s post is an urgent reminder that moving forward, it’s not enough to simply be average.
You are living through a massive social and economic paradigm shift that’s moving too quickly for most to keep up with or wrap their heads around. It is not going to stop for anyone. The wealth gap will get bigger. Things will continue to get more expensive. The dollar won’t go as far. Assets will keep pumping. Things will just get more and more unbelievable.
Let’s talk about where things are heading and what you need to do to counter it.
“True wealth is not found in preserving the past, but in positioning for what must inevitably come.”
Financial Markets, Crypto, Future Wealth
So what are the actual difference makers in this new modern world on the financial front? What has the ability to prevent you and your grandchildren from eating nature valley cricket bars in a crime ridden favela in 2045?