Not hilarious

Debt when people die, credit wonderings, and the Never-ending Cycle.

Santa Catarina Coast, Brazil.

Oh, the good life, full of fun seems to be the ideal – Tony Bennett.

What happens when people buy stuff they don’t need and die?

They leave bills to those in their lineage.

Is this a blessing or a curse? We don’t know, but we will help you figure it out.

In today’s world, we have a world record of new constructions, cars, iPhones, and even shoes… various models, colors, sizes, and shapes.

All this can be bought for a fraction of your money, meaning you don’t need all cash to buy a Mercedes. You just need the credit to buy it; the rest is the rest.

Sounds good, right?

The same works in the housing market. Few people can buy a new property, all cash; otherwise, why need so many banks?

It’s interesting to see that while we have a world record for new stuff to buy (or finance)… we are also close to a world record for banks in operation in the US.

Is there a correlation?

Stay with us…

Although people buy more stuff, some stocks, like NVIDIA, are also at record prices.

Now money is never-ending. You buy, you invest, and all go up! New world!

Does it make sense?

It makes this author here think…

Are we in another credit bubble?

Where does this NO-SO-REAL money come from if we spend, invest, and have more inflation (meaning less real money in the pocket)?


Some people die poor. We think all people die poor, materially saying. We die as we are born but without health. – It’s possible to die healthy? wait…

But poorer are those that leave the debt to their young souls, sons, daughters, and the following people that may not be here now.

It’s an intelligent act for the bankers and the court and law, but do we need to be so in debt with mortgages and credit cards?

Most heirs need money. They must pay after-death taxes and rituals and split the cash being held. So fixed assets don’t really let you rest in peace forever.


Consumption is a never-ending cycle. It comes, and it goes.

But one thing is different.

Consciousness, you can’t come and go.

If you are, your actions will speak for you; no need to say sorry or pray. You do so by living a good life for yourself and your family, not doing what your neighbors do.

“So please be honest with yourself, don’t try to fake…”

More to come.

Think wisely, and act right.



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About the author: Marcelo Marini Studant PRO

Marcelo Marini is a businessman, financier, and author. He writes the Independent Thinking Newsletter to more than 20,000 readers in 15 countries.

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