Welcome to 2025! A new year means new expectations, hopes, and dreams—but what does it mean for your money? What’s going to happen with the economy? Are there investments you should be cautious about? Are there opportunities that could be even better than before? That’s exactly what I want to dive into today.
First off, let’s be real—predicting the future is impossible. Anyone claiming to be a financial Nostradamus is bound to be wrong. But what I can do is share what I’m personally looking at, where I’m putting my money, and what I think could be worth watching in 2025.
The Market Hype vs. Reality
Right now, things seem pretty euphoric. With Trump stepping into office, many people are anticipating a big economic boom. And while that’s possible, I think it’s important to separate the hype from reality. Historically, things are never as good—or as bad—as people predict. Remember when everyone expected mass student loan forgiveness? The courts overturned most of it. The same thing happens with the economy. Hype gets built up, but the actual results tend to land somewhere in the middle.
Looking at the stock market, I’m personally staying out. The market has been on an incredible run for the past two years, up nearly 50%. That’s unsustainable. We’ve seen this before—in the late ‘90s, when the market had a similar hot streak, only to crash with the dot-com bubble and the early 2000s recession. Even major institutions are predicting lower stock market returns, estimating an average of 3-5% per year over the next decade. That’s not enough to justify the risk for me.
Where I’m Putting My Money
So, where am I putting my money instead? First, I’m holding more cash. Even Warren Buffett has been stockpiling cash, sitting on over $325 billion. My wife even mentioned that she doesn’t want to keep too much in the bank beyond FDIC limits because she doesn’t trust the system. That’s why I’m using my infinite banking policies to store cash instead—earning a stable 6% tax-free return, which is better than what the stock market is projected to do.
I’m also still investing in real estate, but I’m being more selective. I’m not jumping into rentals unless it’s a great deal, and I’m more focused on debt funds, industrial properties, and raw land investments. With interest rates still relatively high, debt-based investments are yielding solid returns. I’m also keeping an eye on multifamily real estate—there could be some good deals later this year.
What I’m Avoiding
The big no-go’s for me this year? Stocks and crypto. I’m not saying they won’t go up, but I’ve learned not to buy when something is hot. If we see a big market correction, then I might reconsider, but for now, I’m staying away from the hype. I don’t gamble with my money—I focus on stable, consistent returns.
Final Thoughts
Ultimately, 2025 will be what we make of it. The key is to be smart with your money—manage your cash flow wisely, be strategic with debt, and don’t fall for bad investment deals. If you need guidance on how to make your money work harder for you, reach out at MoneyRipples.com. Let’s make this