Скачать или смотреть Car Payments, Credit Cards, and the Illusion of Progress.

Most people don’t feel broke.
They feel busy.

Busy paying the car.
Busy managing credit cards.
Busy keeping up with a lifestyle that looks stable — but never seems to move forward.

In this video, we break down how car payments, credit cards, and monthly EMIs create the illusion of financial progress, especially for middle-class earners in the U.S. and Europe.

This isn’t about bad decisions or lack of discipline.
It’s about how modern money systems are designed — and how psychology quietly works against us.

We’ll walk through a realistic income scenario, use simple math, and explain why earning more often doesn’t lead to more freedom — unless you understand what’s really happening.

No hype.
No guilt.
Just clarity.

If you want to think more calmly and rationally about money, you’re in the right place.

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