| | | | Dear Reader, | One of the most painful money surprises in America isn't a market drop—it's the week after a death, when the bills still run but the money doesn't move. Banks and brokerages often shift into "documentation first" mode, and families can find themselves locked out of routine cash flow. | That risk matters even more when borrowing costs remain meaningful. The Federal Reserve kept its policy rate steady in its January 28, 2026 decision, and the 10-year Treasury yield has been sitting in the mid-4% range in recent days—making short-term financial strain harder to "paper over" with cheap credit. |
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| | | | | | The Lithium Boom | | Did you know it takes 10,000 iPhone batteries worth of lithium to make one EV battery pack? With 350M+ EVs projected to be sold globally by 2030, lithium demand is looking steep. | Current recovery methods involve waiting for liquids to evaporate in ponds the size of 100 football fields. This inefficiency can't keep up with forecasted demand. But EnergyX's technology can recover up to 3X more lithium than traditional methods. | Investors are taking note. EnergyX has $130M+ of investments from General Motors and others. They even earned a $5M DOE grant. | Now, they're scaling their 100,000-acre Chilean project, which has a potential target annual revenue of $1.1B. | Perfect timing. You can still join 40,000+ people as an early-stage investor today. | *Disclaimer: This is a paid advertisement for EnergyX's Regulation A+ Offering. Please read the offering circular at invest.energyx.com. Under Regulation A+, a company has the ability to change its share price by up to 20%, without requalifying the offering with the SEC. | |
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| | | | | Why This Matters | Probate is the legal process for settling an estate. In plain terms, it can create a "liquidity gap": money exists, but access is delayed while institutions and courts catch up. | Here's what that looks like in practice: | Funeral and travel costs hit immediately Mortgage, property tax, and insurance premiums don't pause Automatic payments keep drafting—until an account is flagged, and then everything may stop at once Family members may assume they can "just pay the bills," only to learn they don't have the legal authority
| The danger isn't just inconvenience. It's late fees, lapsed coverage, and rushed decisions made under stress. |
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| | | | | Where Things Stand | Whether assets get "stuck" often comes down to two basics: how accounts are titled and who's named as beneficiary. | Joint accounts: A surviving joint owner may keep access, but it depends on the account structure—something the CFPB highlights in its guidance on what happens to a joint bank account after a death POD/TOD designations: Many bank and brokerage accounts can pass directly to a named beneficiary, avoiding probate for that asset. PNC's explainer on how bank accounts transfer at death shows how a death certificate and proper paperwork can make the difference between "weeks" and "months." Retirement accounts: These are typically beneficiary-driven, but the rules have deadlines. The IRS outlines the 10-year distribution rule for many inherited IRAs, which is manageable—but only if beneficiaries are clearly named and paperwork is in order
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| | | | | The Patriot Perspective | Families don't need complicated legal structures to reduce this risk. They need liquidity and clarity. | A simple "first 60 days" plan: | Keep a dedicated household cash reserve (even one month helps) Ensure at least one bill-paying account is accessible (properly titled, where appropriate) Confirm beneficiaries on retirement accounts, life insurance, and key bank/brokerage accounts Maintain a one-page list: institutions, account numbers, and where documents are stored Keep a conservative backup (an unused credit line) for the bridge—then pay it off once transfers settle
| Preparedness beats prediction—especially when life moves faster than paperwork. | Stay steady, The Patriot Investor |
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