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Aaron Razon

Personal Finance Expert at Couponsnake
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As Couponsnake's personal finance expert, I create articles and guides that empower readers to save money and explore passive income opportunities. My work focuses on helping individuals stretch their budgets, discover deals, and build wealth through passive and semi-passive income streams. With a passion for financial literacy, I simplify complex financial topics to make them accessible and actionable. I help my readers discover the best savings hacks and formulate strategies for earning passive income. My goal is to empower my readers take control of their finances and achieve financial freedom.

  • Mortgage Rates Unlikely to Drop: Economic Factors at Play
    Aaron notes that "Moody’s downgrading, economic uncertainties, and inflation" keep mortgage rates volatile. The 10-year U.S. Treasury bond yields, tariffs, and inflation concerns further pressure rates upward. He advises potential homebuyers to prepare for sustained high rates and explore ways to manage borrowing costs.
  • Hypothetical 50% Stock Market Crash: Economic and Social Impacts
    Aaron warns that a 50% stock market crash would have far-reaching impacts, potentially leading to a depression. "The lower classes, though not directly invested, would suffer most due to job losses and reduced access to essential services," he explains, highlighting the exacerbation of poverty and inequality.
  • Moody’s Downgrade: Impact on Middle-Class Finances
    Aaron warns that Moody’s downgrade could lead to "higher borrowing costs," affecting mortgages and credit card rates. As government interest payments rise, federal programs may face budget cuts. Middle-class Americans should consider fixed-rate loans and monitor interest rate changes. Long-term, higher borrowing costs could impact financial stability and wealth accumulation.