The pandemic and AI didn’t just disrupt the U.S. economy — they accelerated long-term forces that were already in motion. They’ve reshaped how work is done, who wins, and who falls behind.

Understanding these shifts is essential if you want to navigate what’s coming next.

You can watch the full conversation here: -uGWS1GH8?si=-MxpNAYZv4JWhkN0

Developing an AI version of myself wasn’t easy. I’m very lucky because I wrote down thousands of principles that outline my thinking and values, so there’s a lot of content to use for training.

But it’s also important to curate it well. I spend hours each day looking at the answers it’s giving and asking myself it that’s what I would say, in the way I would say it. Through that work, the technology gets better and better over time.

If you want to see what the technology looks like today, you can find it at the link here: https://bit.ly/4a54Si9

When it comes to understanding markets, you need to step back and see the bigger picture. That’s why it’s so important to have a #gameplan for investing and long-term financial investments.

#raydalio #principles #politics #economics

1,000 meters below sea level, there’s an entire world that’s never been explored.

There’s so much going on in our ocean’s — species we haven’t discovered, behavior we’ve never seen. That’s why I’m so passionate about ocean research, and why I decided to build @OceanX .

I’m so excited that our team at gets to play a part in bringing it to all of you. And I hope some of you find it as thrilling as I do. #oceanexploration #oceanx

I’ve been using AI to help my decision-making for over 30 years. It’s a big part of what made Bridgewater successful.

I found that if I wrote down my criteria for making decisions and put them into algorithms, the computer could process far more information far more quickly than I could on my own. Alongside my logic and inspiration, it was a great partnership.

I started doing this in my investment decision-making, but soon incorporated it into my broader decision-making, as well. (By the way, that investment decision-making is what made Bridgewater so successful.) LLMs have made this process even more seamless and useful.

If you’re interested in trying out my beta AI tool, you can find it at the link below.

When an empire runs out of its own money, it is able to increase the supply of money. However, printing more money causes borrowing to increase creating a financial bubble. I urge you to watch “The Changing World Order” on my YouTube channel to understand how, and what it means for all of us.

#principles #raydalio

I’m proud and pleased that Harvey Schwartz, the remarkably successful CEO of @OneCarlyle is talking openly about mental illness in his family because mental illness is pervasive (it’s estimated that 22% of the U.S. population experiences some form of it), is badly misunderstood, and should be addressed openly, like heart disease and cancer are. Here is a brief clip from Harvey’s recent interview with Wilfred Frost on the @TheMasterInvestorPodcast . Like Harvey, I had direct contact with mental illness in my family, which led my son Paul to create an award-winning movie, Touched with Fire, that is about creativity and bipolar disorder. It has had a great beneficial impact, so I’m proud of him, too. Sharing openly like this saves lives and creates progress in dealing with mental illness.

Easy money is a cure all, until it’s not. It’s hard to know when you have to put on the brakes and when things might pop.

Today, the stock market is at its peak, gold is through the roof, and the wealth gap continues to increase. And in terms of what comes next, it looks like we’re going to see a significant easing of monetary policy along with less regulation.

I recently sat down with CNBC’s Andrew Ross Sorkin to discuss all of this and more. You can find the full video at the link in the comments.

This year, I’d encourage you to consider a unique kind of holiday gift — a donation your friends and family can give to the charity of their choice. This kind of gift is far more meaningful, and it’s simple. Anyone can do it.

If you’re interested, check out organizations like TisBest and @donorschooseorg .

I think gifts like these are more in keeping with what the holiday season is really about, so I wanted to pass it along. #redefinegifting #givingtuesday

In 1979, I was so broke that I had to borrow $4,000 from my Dad to help take care of my family.

I had calculated that American banks had lent much more money to foreign countries than they would be able to pay back, and anticipated an imminent debt crisis.

But I couldn’t have been more wrong. I didn’t fully understand the impacts of quantitative easing, and so I lost money for myself and I lost money for my clients.

Looking back, it was the most painful experience I could imagine — but it was also the best thing that ever happened to me, because it taught me humility.

Trying to figure out your holiday gift giving this year? I have a great suggestion for you.

There are organizations like @TisBestCards and @donorschooseorg that will give a donation to your recipient’s favorite charity, on your behalf.

I think gifts like these are more in keeping with what the holiday season is really about, so I wanted to pass it along. #redefinegifting

The most important thing is that you have the life that you want to have. So, how you define success is important. There isn’t one path that’s right for everyone.

I was lucky in the sense that I fell in love with markets and playing the investment the game, which is what I’ve done for 50 years.

I recommend that people think about their own nature and what game they’d love to spend years playing. It’s okay to explore different paths—not everyone knows right away. Think of your journey as a process of discovery.

If you’re interested, you can find my full conversation with Bloomberg here. We discussed life, debt, global crisis, and the importance of investing in our oceans:

Economic bubbles throughout history tend to follow similar patterns, but they are never exactly the same.

In 1929 and 2008, there was a lot of debt — but most of it was owned by the private sector. Today, the government sector has a lot of the debt.

Still, one man’s debts are another man’s assets. And when the bill comes due and the debt assets aren’t as appealing as the alternatives, some sort of monetization is inevitable.

I recently sat down with CNBC’s Andrew Ross Sorkin to discuss this in the context of his latest book, 1929: Inside the Greatest Crash in Wall Street History — and How It Shattered a Nation. The parallels between that era and now are striking.

You can watch the full conversation here:

I’ve taken my best-selling book “Principles” and distilled it into a video mini-series that focuses on the life principles that have helped me the most. This will especially help those who are graduating this Spring and entering “the real world.”

This is Episode 1: The Call to Adventure, I hope you find these helpful.

If you want to be successful, you have to do 3 things:

1) Surround yourself with great people
2) Develop meaningful work and meaningful relationships
3) Use technology, like AI, to systemize your thinking

Do you agree with this list? What would you add? @TheProfGPod

One principle that I’ve really learned is “Pain + Reflect = Progress.”

One of my principles is that if you’re worried, you don’t need to worry — and if you’re not worried, you need to worry.

That’s because worrying about what can go wrong will protect you and not worrying about what can go wrong will leave you exposed.

I’ve found this to be true in business, and in life.

When I was a young clerk on the floor of the New York Stock Exchange in 1971, the US ran out of money and defaulted on its debts.

Now, they didn’t say it that way. But by moving away from the gold standard — the idea that people could exchange paper dollars for gold — money, as we understood it, ended.

I expected the stock market to plunge the next day, but when the opening bell rang the market was way up. And it went on to rise nearly 25%.

That surprised me, because I had never experienced a currency devaluation before. But when I looked into it, I discovered the exact same thing happened in 1933 and it had the exact same effect.

But in both cases, breaking the link to gold allowed the US to continue spending more than it earned, and so the value of each dollar fell.

Don’t just react to pain — reflect on it. To overcome any obstacle, you must think deeply about how reality works and develop principles to guide your actions. That’s the only way to learn from your mistakes so you don’t repeat them. The pain is the signal! @TheDiaryOfACEO

My perspective on how #expectations impact #happiness.

History shows us that having too much debt during an economic downturn leads to a classic, self-reinforcing cycle where:

1) The empire can no longer borrow the money to repay its debts
2) It prints a lot of new money, which devalues the currency and raises inflation
3) Living standards decline, leading to the rise of political extremism
4) Turbulent economic conditions undermine productivity and there is conflict about how to divide the shrinking resources
5) Populist leaders emerge pledging to take control and bring about order

As an investor, you don’t want to concentrate your bets — you want diversification, so you’re protected in different economic environments. That’s why alternative assets like gold are so valuable in balancing your portfolio. @TheProfGPod

My first real job was caddying, and it changed my life.

It was the 1960s, and the people I was caddying for were always talking about the stock market.

So, I took my caddying money and bought Northeast Airlines because it was the only company I had heard of that was selling for less than $5 a share.

Little did I know, but the stock was so cheap because they were about to go broke. But I got lucky and they got acquired, so I tripled my money.

And just like that, I was hooked.

This simple animated video series answers the question, "How does the #economy really work?" Based on my practical template for understanding the economy.

This series breaks down economic concepts like #credit, #deficits and #interest rates, allowing viewers to learn the basic driving forces behind the economy, how economic policies work and why economic cycles occur.

This is Part 5, I hope you find these helpful.

#Trust your gut. @FindingMastery

I sat down with CNBC’s Andrew Ross Sorkin to discuss his latest book, 1929: Inside the Greatest Crash in Wall Street History — and How It Shattered a Nation.

A lot of what Andrew learned researching this book is analogous to what happened during the 2008 financial crisis, and also to what is happening today. That’s because history moves in cycles — the same cause-effect relationships are at play, and there are important lessons to be learned.

While the details are different, the mechanics behind people’s behaviors and policy choices are largely the same.

Throughout history, people ignore these similarities because the mechanics are not well understood. My hope is that research and conversations like these can help us collectively make better choices in the future. Learn more about

The U.S.’s debts are on the edge of becoming unmanageable to the point where it could default if conditions are not changed.

But this problem isn’t a unique one. It has happened many times in history, which is why I believe studying the past is so important. The same cycles repeat over and over again, and there are important lessons we can learn from those experiences.

I recently met with Bloomberg @markets ahead of the UN Ocean Conference to discuss our debts, the possibility of global crisis, and the importance of investing in our oceans.

If you’re interested in learning more about our collective debt burden — and what steps we can take to solve these issues — I explain my thinking in my new book, How Countries Go Broke: The Big Cycle.

I hope you will read it and let me know your

This year, the US will spend 40% more than it’s taking in. This number is increasing each year — and our debt plays a major role.

This is a big problem, especially because cutting our spending is a difficult political issue. And as we continue to add to the debt, the supply-demand picture worsens.

I fear that we are approaching the point where we won’t be able to rectify it.
@TheProfGPod

The way I see it, any serious effort to solve the debt crisis will likely come too late.

It’s a timing issue. 2026 is a midterm election year — politicians won’t want to take the painful steps needed to improve our economic picture: cutting spending, raising taxes, and the like.

Any sort of bipartisan effort that comes after will both take time and be unlikely to be effective, because those commissions generally don’t work very well in practice.

That’s what it looks like to me. I’m curious to hear if you see things similarly.
@TheProfGPod

In the late 1970’s, I calculated that we were going to have a global debt default. I was so confident in what that meant for the markets that I went to Congress to share my perspective.

I couldn’t have been more wrong. While several countries defaulted on their debt, the impact on markets was the opposite of what I expected.

And I lost a lot of money — for me and for my clients. I had to let all of my employees go.

But it was the best experience that ever happened to me because it taught me that pain + reflection = progress.

And it taught me three lessons that became the foundation of Bridgewater’s success.

1) It gave me humility — the fear of being wrong was so strong that I had to always ask, “How do I know I’m right?”

2) It taught me the power of diversification — and how 15