It has never been harder to make ends meet.
Inflation sits at 2.9% as of August 2025, persistently eroding purchasing power and wages struggle to keep pace. AI is disrupting the job market at an accelerating pace — 77,999 tech jobs were lost directly to AI in just the first six months of 2025, and 41% of employers worldwide plan to reduce their workforce because of AI within the next five years. The U.S. dollar has weakened significantly, declining 11% in the first half of 2025 alone — its biggest loss since 1973 — making everything from imported goods to international travel more expensive.
Everyday people are worried about their futures, and younger generations feel hopeless.
But the traders on Wall Street have never been happier. The stock market reached record highs in October 2025, with the S&P 500 closing at unprecedented levels 33 times this year alone.
Think about this: the wealthiest 10% control 93% of all U.S. stocks, while the bottom 50% of American households own less than 1%.
Global net worth has nearly quadrupled to $600 trillion since 2000, yet wealth concentration remains troubling — a mere 1% of the population owns a fifth of it.
It doesn’t have to be this way. The information I’m sharing through this newsletter and through my new website (SergioAvedian.com) has typically been gatekept to the wealthiest people in the world, but now everyday folks can have access to this information and start building real wealth.
My Mission: Democratizing Financial Knowledge
As many of you know, I’ve spent the past several years as a Senior Contributor and drivers’ advocate at The Rideshare Guy, covering the intersection of labor, technology, and personal finance.
Over time, through my work with gig workers and independent contractors, I’ve realized that one common thread runs through every conversation I’ve had: a lack of financial education and preparedness, even among hardworking, capable people.
That realization inspired me to create my YouTube channel, and now this newsletter and website, all three dedicated to helping people take control of their financial futures through honest, accessible education.
My mission is simple but urgent: to pay it forward by sharing what I’ve learned over decades in markets, trading, and real-world investing, because I truly believe financial literacy is the foundation of personal freedom — and it’s something our education system has consistently failed to provide.
The Education Gap That’s Costing Everyday People
From elementary school through college, financial education is largely absent. Most people graduate without understanding how credit works, how to invest, or even how to interpret the news that moves markets.
Think about how many people held off on buying a home when mortgage rates dropped to historic lows of 3-4% during the pandemic, not fully understanding that locking in those rates would mean decades of affordable housing payments.
Today, with mortgage rates hovering around 7-8%, those who missed that window are now facing monthly payments that are $1200-1500 higher for the same home, a difference that compounds to hundreds of thousands of dollars over the life of a loan. That’s the real cost of financial illiteracy: missing generational wealth-building opportunities because no one taught you to recognize them.
As a result, many are left navigating life’s most important financial decisions through trial and error — and in today’s economy, that lack of knowledge can be devastating.
The median retirement savings for the bottom 50% of American families is literally zero, while families in the top 10% have a median of $610,000 saved. Half of U.S. workers don’t even have access to employer-sponsored retirement plans.
This isn’t just a wealth gap—it’s a knowledge gap, and closing it is what my mission is all about.
What You’ll Learn From This Platform
I want to change that trajectory for you and your family.
Drawing on over 25 years on Wall Street as an equities and derivatives trader at a prime broker, I’ll focus on educating and empowering everyday people to think critically about money — from budgeting and debt management to investing, retirement planning, and understanding broader economic trends.
I’ll be breaking down complex financial concepts, analyzing current market events, and sharing lessons learned from my own 35-year journey in finance and trading—always with transparency, humility, and a “no-hype” approach.
Through countless conversations, interviews, and real-world experiences with drivers and workers across the country, I’ve come to realize that one of the biggest ongoing challenges isn’t just about pay or platform policies — it’s about financial literacy and long-term financial empowerment.
Why This Matters Now More Than Ever
We live in an age where information is everywhere, but true understanding is rare. The website and YouTube channel will feature practical, straightforward content on financial education, long-term planning, and economic awareness—explained in plain language, through the lens of someone who understands both markets and the realities of the economy.
I’m building a resource where everyday people — rideshare drivers, retail workers, teachers, gig workers, or simply individuals who want to build a better financial future—can learn to make their money work for them, not just the other way around. However, experienced traders would also benefit from the knowledge shared on the new SergioAvedian.com, newsletter and YouTube channel.
This is not about selling products or chasing clicks. It’s about contributing something meaningful, passing on my decades of experience, and creating a trustworthy space where people can learn, grow, and become more confident about their financial decisions. I firmly believe that when everyday working people are more financially literate, everyone benefits —workers become more stable and informed, creating a stronger foundation for families and the broader economy.
Join Me on This Journey
The path to financial freedom begins with education, and that education starts now. Whether you’re driving for Uber, teaching in a classroom, or juggling multiple gigs to make ends meet, you deserve access to the same financial strategies and knowledge that have been reserved for the wealthy elite.
In upcoming newsletters, I’ll be sharing actionable strategies, breaking down market movements, explaining investment principles, and giving you the tools to navigate an increasingly complex financial landscape. My goal is to bridge the knowledge gap — to make finance approachable, actionable, and relevant for people from all walks of life.
Let’s build wealth together. Let’s break down the barriers. Let’s democratize financial freedom.
