I'm a Gen Xer, sandwiched nicely between the Baby Boomers and the Millennials.  We're the under-rated generation, born between the mid-1960s and the early 1980s.  A lot of us got our work ethic from our Baby Boomer parents while being able to easily adapt to the introduction and constant tweaking of technology.  We're also able to adapt to the swift changes in the economy, implementing "old school" and "new school" together to make something "awesome-school."  (I know, that's pretty lame sounding.)

So, what's the point of all this?

Many Baby Boomers are retiring or already retired.  They hold the vast majority of the wealth in this country and have the most disposable income.

But soon they'll be dying off.  In fact, the older portion of this generation already are.  It will be within the next decade or two before the vast majority are gone from this earth.

Then we have Generation X which is my generation.  There aren't nearly as many of us as there are the Baby Boomer generation.  Yes, we will inherit a lot of the Baby Boomer's wealth as they pass away and we generate our own impressive incomes in many cases.  So, we'll be replacing the Baby Boomers BUT NOT IN SUCH LARGE NUMBERS.  Imagine cutting the Baby Boomer population down to 25% (or less) and that's what you have with the amount of populous falling in the Generation X generation.

Not an impressive number AT ALL.

So, yes, per person the spending power will still be there just like with the Baby Boomers except that there aren't nearly as many of us to sell stuff to.

Then...

Drop down to the "lost in space" Millennial generation who have eyeballs glued to their iPhones and iPads all day, making actually "working" in any job environment a full blown joke, demanding things like "Peace Pods" so that they can zip themselves away from their work space to take frequent breaks from the "stresses" of answering the telephone and emails (even if they need a break every 20 minutes), and requiring "specialty" workforce "trainers" to help the normal folk (like us) figure out how the hell to deal with these people (the Millennials) INCLUDING having to hire "pep" consultants to keep these little shits motivated and happy all day.

I'll tell you how things are going to play out because it's already leaning HEAVILY in this direction:

1)  Any company that manufactures ANYTHING will end up going overseas because (a) they won't have a large enough work force who actually wants to work or produce, (b) it's just TOO EXPENSIVE to make anything in the USA with increased wages, insurance requirements, regulations, etc., and (c) it's much cheaper and business-friendly in many countries outside of the USA.

2)  Once the Baby Boomers all retire, our competent workforce will diminish down to us Gen Xers which, as I just explained, do NOT have the population size to replace that of the Baby Boomer generation, slicing the competent workforce down to about 25% or less.  Yes, yes...I KNOW.  Almost everyone knows that "one guy" or that "one chick" who is a Millennial who is a hard worker.  So what?  ONE or TWO isn't going to account for the necessity of needing MILLIONS of these people to get off their lazy asses and get things done without Peace Pods, pep talks by a "motivator" daily at their desks, or having to [GASP] stop looking at their iPhones for more than 10 minutes while trying to -- I don't know -- get some work done, perhaps?  And you'd be hard pressed to name 5 Millennials off the top of your head that ARE hard-workers.  (Even five aren't enough to make the world go around.)

3)  Millennials aren't going to be able to qualify for the types of incomes needed to live in areas like Los Angeles, New York, or other high-priced areas.  Many will move to smaller towns in places like Northern California, Oregon, etc.  OR...they'll be living with their enabling Gen Xer parents forever because living out on their own will simply not be affordable anytime in their near future.

Tech jobs will always need Millennials.  Yes.  Millennials find these types of jobs easy, which is good.  BUT...not all jobs are as easy as lounging around in a Peace Pod between making a few clicks of the computer mouse all day.

There STILL is a requirement for LABOR jobs, SALES jobs, and SERVICE jobs...many of which are completely UNDESIRABLE to the Millennials.

I remember reading an article about a company called Caterpillar based in Illinois who manufacturers construction machinery.  Their biggest problem?  Getting new sales reps.  They stated that the average sales rep does somewhere in the low six-figures each year but they CANNOT get the Millennials to take these jobs.

Same problem with skilled workers like many of the construction trades.  Can't get Millennials to want to pick up a hammer or turn a bolt.

Same problem with the car repair industry.

And on and on and on we go with this.

Those Millennials who ARE skilled in labor trades will make A LOT of money, especially those who have skills in both a labor trade AND technology (especially software).  After all, somebody is going to have to service all of those robots flipping burgers at all the fast food chains when all the fast food owners decide that they're not paying people $15 an hour plus insurance plus sick days plus this and that for FLIPPING BURGERS. 

So, if you DO have a Millennial in your midst, have him or her TAKE ON A SKILLED TRADE, ideally with knowledge of BOTH skilled labor and technology combined.  Because, if you think about it, we'll always need people to build houses, fix airplanes, maintain computers, build and service windmills and other green power and, of course, treat people in the area of medicine (nurses, doctors, pharmacy techs, etc.).  A skilled trade -- ideally with technology or software knowledge -- OR a career in medicine somewhere is the FUTURE for Millennials who want to get paid BIG BUCKS in a career.  So the Millennial generation is all about LABOR and TECHNOLOGY.

If your Millennial isn't doing any of the above, just expect to support him or her to live in your basement sponging money off of you until you are given the gift of an escape (death) because that's just the way it'll be (if it's not that way for you already).

Then there's Generation Z (those born 2005 and after).  This is my daughter's generation.  I'm REALLY hoping that these kids pull it together because the Millennials are so freaking lost that it isn't funny.  With my daughter, she already wants to be a teacher.  Even though it doesn't pay a lot, I'm pretty confident that teachers will still be around in the next several decades.  I do tell her to tell her friends to get involved in medicine and science, mainly to help us save our planet.  Because curing cancer (and other diseases), bio technology (yes, blending BIOLOGY with TECHNOLOGY) and saving the planet is where the money will be in HER generation.  So her generation will be about SCIENCE as well as LABOR (of course...when is it not about labor?)

If you're concerned about yourself and how you'll survive our upcoming recession (hitting most areas of the country in 2021) AND trying to get your Millennial on track with a much more solid future that CAN give him/her/them a cash flow for decades to come WITHOUT having to worry about a job, technology...or even being lazy:  CLICK HERE!  I have a solution for you, your kids and your grandkids to get you the income you want without having to figure anything else out.

CLICK HERE for a powerful video!

See you at the top!

Your mentor,

Monica Main

You can probably tell by the picture that I don't have high hopes for this year's economic forecast.

I think I mentioned it before but I predict that 2021 will be the year of the bankruptcy.  Not only have a ton of CEOs from various well-known Fortune 500 companies have resigned from their positions but most are posting staggering losses due to being closed or partially closed during 2020.

Recently I took my daughter to the mall and noticed that quite a few stores closed down.  The Gap and Banana Republic were emptying their stores out as we walked through.  It was kind of depressing seeing so many empty stores and I couldn't help but to think about what was happening throughout the U.S.

This is just the tip of the iceberg on what we have to expect as the year rolls on.

First of all, for those of you who don't have a clue as to how real estate works, let me give you a crash course on what happens when you cannot pay your rent or mortgage (due to an economic crunch like what we're experiencing now).

If you're at the bottom -- paying rent to a landlord -- and you're suddenly not paying rent, the landlord may or may not be able to maintain their mortgage payments depending on how many of their other tenants are (or aren't) paying.

Not all landlords are fat cat multi-billionaires; most are just mom-and-pop landlords who don't have the financial stability to make up for lost rent payments by continuing to pay a mortgage with no money in the bank.  And, unfortunately, some of these property owners paid top dollar at market peaks, putting them squarely underwater on their properties.

While there is still an eviction and foreclosure moratorium in place, how long do you think that's going to last?  Forever?  If that's what you're thinking, think again.  That's just not how the real world works.

Some people actually think a mortgage works like a car payment where, if you miss a few payments, the lender can simply throw those payments onto the back of the loan.  I laugh when I hear that because that is not how mortgages work.  Missing payments cannot simply be thrown onto the back of a loan.

So...once the foreclosure/eviction moratorium ends, this is what will happen:

1)  All property owners will have no choice but to quickly evict all dead-beat tenants as soon as humanly possible in a grand last-ditch effort to save their properties.

2)  These property owners who are behind on mortgage payments will either have to (a) refinance to get a new loan for their property (probably at a higher interest rate), or (b) the bank will foreclose.

What does this mean in the scheme of things?

It means that we're in for a replay of 2008.  Remember 2008?  If not, look it up.  It wasn't pretty.

The good news is that if you have cash for foreclosure deals, you'll be able to pick up smaller investment properties (the ones the multi-millionaires and billionaires don't want) for pennies on the dollar.

The bad news is that you'll need cash to pull this off.  You won't be able to get instant funding to pull off these property purchases.

And I have a way for you get make that cash.

CLICK HERE to watch a short 5-minute video on how you can gain massive financial traction by raising money with a simple easy-to-do home-based business that can get you all the cash you want so...

...when that foreclosure windfall hits, you'll be able to pull out that wad of cash from your pocket and buy any of these income properties for a song because you'll have the money to do it while everybody else is dead broke.

CLICK HERE to find out my incredible plan for helping you become financially independent during this hardcore economic depression coming up.

See you at the top!

Your mentor,

Monica Main

Not a good week so far!  Ugh!!

On Monday my daughter was feeling sick.  I called her school (yes, my daughter is in school) and asked the nurse if there was anything going around the school except Covid-19.  She said a few students thought they had strep throat but they all tested negative.  Otherwise...just seasonal allergies.

Great.  That was NO HELP at all.

I described the symptoms my daughter had which were stuffy nose, feeling of a "knot" being in her throat, lethargic, headache, stomach ache...but no fever.

"Oh well, it's probably strep throat so...until you can get a negative test showing she doesn't have strep throat, you can't let her come back to school."

Huh? 

Lady, you just said NOBODY had strep throat at your school and your school is the only place she goes other than being at home!

So, I called my daughter's doctor's office.  After waiting on hold for almost an hour, they finally told me that they won't see her.  I'm not sure why I'm paying $800/month for medical insurance if you can't ever get a doctor's appointment anywhere.  Meanwhile they suggested I take her to Urgent Care where everybody I know got Covid-19...while sitting in a damned doctor's office.  So, nope.  I won't be doing that anytime soon!

I'm trying to figure out how to get this school nurse her negative strep throat test from my daughter's doctor without subjecting my daughter to Covid-19 while wasting away for hours at an Urgent Care...for no reason except to prove to a school nurse something I already know: she doesn't have and NEVER had strep throat.

Do you ever have weeks where you feel that the entire world is stacked against you??  Like it's a conspiracy to make sure you don't accomplish anything or get anywhere??

This is definitely ONE of those weeks for me.

Of course, Mercury is Retrograde so many that explains a lot!

But, as for GOOD NEWS...

A lot of you have been asking about Bev and her recovery.  For those of you who don't know, she was on death's door after she was put into hospice care a few months back.  A student of mine (I don't recall who) send me some tips on how Bev could see a fast recovery.  I didn't believe him but forwarded the email to Bev's grandson Rigby.  (Yes, Rigby is his real name.)  He took the email to heart, did everything the email suggested, and within mere days Bev bounced back from death's door to having more energy and vigor than she did 20 years ago!

What was the health regimen?

1)  Get off all medications ASAP.
2)  Stop consuming ALL sugar...especially the fake "diet" kind.
3)  Stop consuming ALL refined complex carbs (like white bread, pasta, rice, etc.)
4)  Drink fresh organic green juices TWICE daily (8 ounces each serving)
5)  Eat a diet of raw vegetables, organic poultry and fish ONLY.
6)  Try to get some blood flow going with gentle yoga and Pilates movements when possible.
7)  Do deep breathing for at least 10 minutes each day.

And that was it.

She did everything on the list and within only 10 days she was bouncing around with energy that she hasn't had in decades.  Pretty amazing, don't you think?

Of course, NONE of what I mentioned above (1) came from me and (2) should NOT be misconstrued as medical advice because it's not.  But, a lot of you wanted to know how Bev -- my STAR Money Funnel student (who is over 70 years old making $85,000 per month in NET PROFITS with her Money Funnel Business) is doing and now she feels FANTASTIC!

I'm trying to get her to come to my upcoming retreat next month in Key West but her doctors are advising against it because of Covid-19 (obviously) but I MAY be able to get her to come out to another workshop I'll be doing later this year.  (More on that to come.)

I did get her to agree to helping me do something spectacular for you.  I have something pretty amazing coming up on March 25th and 26th.  It's the last two (2) days of my retreat in Key West where I'll be doing a powerful Money Funnel Business Workshop.  And if you can't come in person, no worries.  These final days will be LIVE STREAMED so you can join us from where you are!

CLICK HERE to check it out now!  I did a short video by my pool to talk a little bit about what these two (2) power-packed days can do for you and the special duo-webinar series I have planned BEFORE the event in Key West.

CLICK HERE NOW to find out all about it!

See you at the top!

Your mentor,

Monica Main