Quick story:

Last year for a non collateral personal loan I could get $150K at 8.9%.

In March, I could get $120K at 12.9%.

Right now took a peek at I'm $100K at 14.9%.

By the end of the year, it should be maybe $70K at 21%+.

"So what Noodles???  Means jack shit!!!"-GW Bullies

No it means that banking industry is expecting a small collpase and is refusing to loan money out since it figures it'll get fucked.

My credit scores are all 800+ and soon I won't be able to borrow what I might need.

So about 2-3 weeks ago I took out the loan I won't need till August.

Basically to make sure I got a good rate before it shoots up.

So if you need a car, need a laptop, need a medical/vision or dental procedure GO GET THAT SHIT NOW!

Before the dam breaks:

The ride is only going to get rougher from this point on and waiting around to see which way the wind blows is stupid...Not kind of stupid...It is.

Otherwise you'll be mad like this later:

Even if you think you shouldn't...Trust me better now, than later when you really won't be able to afford it.

I do notice everyone subconsciously is spending less...Like even though they don't really talk beyond the usual:

"Have ya seen what gas prices are at Costco???"

Or

"A pound of lean ground beef cost me 2 handjobs or an Argentine Doozy!"

Shit is silently getting bad and people do know, but they don't notice, if that makes sense...They choose to ignore it.

People suddenly stopped buying useless crap...People who trade cars every 2 years are thinking of keeping their cars a bit longer...People who paid off their cars aren't looking to buy another.

Everyone is waiting to see which way the wind blows.

Don't get caught just waiting...Start making moves and prepping.