🌊 THE WEALTH WAVE — “STAY GROUNDED WHILE THE WORLD SHIFTS”

🌊 THE WEALTH WAVE — “STAY GROUNDED WHILE THE WORLD SHIFTS”
By McIntyre Economic Advisors
📅 November 2025 Edition

Hello y’all — welcome back to The Wealth Wave, your straight-talk source for financial insight, smart money moves, and the global trends shaking up the economy. Let’s get into it — no sugar-coating, just clarity.

🌍 The Global Pulse: Cracks Beneath the Surface

The IMF dropped a heavy warning this month — the global financial system’s stability is starting to wobble.
Between rising trade tensions, sky-high corporate debt, and sketchy non-bank lending, the world’s money network is showing stress fractures.

The Bank of England even went so far as to call out what they see as an “AI bubble” — tech valuations are climbing like it’s 1999 again. If history’s any guide, bubbles don’t pop quietly.

What this means for you:

• Don’t chase hype. Whether it’s AI stocks or new financial fads, stick with what’s proven.

• Leverage is lethal when the market flips. Avoid unnecessary debt, and stay liquid.

• Remember: every financial crisis starts when people forget the basics.

⚠️ The Silent Threat: Non-Bank Risk

Here’s something the average investor isn’t talking about: traditional banks are sitting on $4.5 trillion in exposure to hedge funds, private lenders, and other “non-bank” financial players.

If one of these firms collapses — it’s not just their problem. The ripple hits everyone.

Translation: the financial system might look stable, but it’s more connected (and fragile) than ever.

🧠 Pro Tip from McIntyre Economic Advisors:

• Keep an eye on where your money flows through — not just what account it’s in.

• Always have a liquid backup. If banks freeze credit or systems slow down, cash is power.

• Risk isn’t just in markets — it’s hiding in the balance sheets of institutions we don’t see.

💼 For Clients & Business Owners: Play It Smart

This season, focus on sustainability over speed.
Growth that lasts is better than growth that looks flashy on paper.

✅ Check your financial health:

• Audit your debt.

• Diversify your client base and income streams.

• Review your exposure to risky partners or vendors.

If you’re building wealth or running a business, positioning beats prediction.
Stay flexible. Keep reserves ready. And when opportunity hits, you’ll be ready to move while everyone else panics.

🔮 Looking Ahead: The 2026 Setup

Expect 2026 to be a year of correction and clarity. The money that chases hype will fizzle. The businesses and households that stayed disciplined will rise.

We’ll keep tracking:

• 🏦 New regulations on non-bank lenders

• 💻 The real value of AI once the bubble cools

• 📉 Interest rate shifts and their effect on savings returns

⚡ Bottom Line

The future belongs to the ones who respect the fundamentals — not the flash.
At McIntyre Economic Advisors, we don’t chase trends. We guide, we protect, and we position clients to win long-term.

Ride the wave wisely.
Stay smart. Stay steady.
🌊 This is The Wealth Wave — powered by McIntyre Economic Advisors.

📍 Visit us at www.mcintyrefinancialllc.com
📞 Call or text 570-500-5495 for virtual consultations, mobile services, or to join our VR office experience.