2025 has just begun, and the scent of great changes is already felt.
Not a correction. Not turbulence. Something is breaking in the very structure of the old economy.
And if it seems that 'there is still time' — it’s a deception.
1. The old world is ending in silence
Banks are functioning. Deposits are accruing. The currency is 'stable'.
But this is false calm. The system is buying time — until everything floods at once.
Behind the scenes:
The USA is again scaring with tariffs and currency measures;
Yuan, rubles, dirhams — are ceasing to be interchangeable;
Money does not leave banks; it gets stuck in them.
2. An invisible devaluation is approaching
The ruble maintains its exchange rate but loses purchasing power.
Interest rates on deposits do not cover the rise in prices even in government data.
Real devaluation occurs quietly — in the silent rise of prices for simple things.
3. Mortgage has become a trap, not an opportunity
Did you buy an apartment 'as an investment'? Or did you just want housing?
Now you have to pay for air. Rates are rising, apartments are getting cheaper, rent does not cover payments.
Everything bought on credit has become a burden.
4. Artificial intelligence has already started the 'cleaning'
AI removes not only routine tasks but also 'status professions'.
Marketers, copywriters, consultants, analysts — are being replaced by neural networks.
You are now competing not with a person but with an algorithm.
And this is just the beginning.
5. Crypto is no longer just an investment
While some are waiting for a new 'bull cycle', smart players are shifting part of their liquidity to instruments that operate without banks and intermediaries.
Among them are assets that are not just traded but are inside functioning settlement systems. For example:
#TCPct — used as 'fuel' for transferring and converting assets;
#TCPcr — internal credit secured by reciprocal demand.
They do not just lie in the wallet. They work while others 'hold and believe'.
6. What to do?
Moving away from dependence.
Moving away from the illusion of stability.
Shifting part of the activity to places where there is no third party — neither a bank, nor the state, nor a broker.
A system where you manage assets yourself — is not a trend. It is protection.
P.S.
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