Скачать или смотреть Why More Money Means More Risk/ The Two-Income Trap

This video discusses the challenges faced by many dual income families, often leading to financial stress despite higher earnings. We explore how even with two incomes, many households find themselves living paycheck to paycheck due to the cost of living crisis. Learning how to manage money and build an emergency fund is crucial for achieving financial security.

You and your partner both work full-time. Your combined income puts you in the top 25% of American households. On paper, you should be building wealth, feeling secure, and thriving financially. So why does it feel like you're barely keeping your head above water?
In this video, I break down one of the most overlooked financial phenomena of the modern era: the two-income trap. Based on research by Elizabeth Warren and decades of economic data, I explain why dual-income families today are actually more financially fragile than single-income families from 50 years ago—and why having both partners work hasn't made families richer. It's made them more vulnerable.

I'll walk you through the real math of what happens to that second income (spoiler: most of it disappears before it hits your savings account), why fixed costs like housing, childcare, and healthcare have exploded to consume both paychecks, and how families end up with zero financial margin despite earning six figures.

More importantly, I'll show you the "one-income foundation" strategy—a practical approach to structuring your finances so you're building wealth instead of just treading water, and so one unexpected event doesn't send your entire financial life into freefall.

If you've ever thought "we make too much money to feel this broke," this video will finally explain what's really going on.

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📚 Research & Data Mentioned:

Elizabeth Warren & Amelia Warren Tyagi – "The Two-Income Trap" (2003)
Bureau of Labor Statistics – Workforce Participation Data (1970-2023)
U.S. Census Bureau – Median Household Income Trends
Federal Reserve – Report on Economic Well-Being of U.S. Households (2019)
Bureau of Labor Statistics – Consumer Expenditure Surveys
National Association of Realtors – Historical Home Price Data
Care.com – Cost of Childcare in America Report (2023)
Historical Healthcare Spending Data – CMS.gov

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