☕ DrinkCoffeeAndProfit
Smart money moves before breakfast
PARTNER MESSAGE

Something strange is happening to your money.

It wasn't voted on. It wasn't debated in the Senate. And most Americans have no idea it's even taking place but…

President Trump is replacing the U.S. dollar.

Not with crypto. Not with a digital currency. Something far bigger than that – and it's already been signed and sealed in the back rooms of D.C., ready to be issued by the U.S. Treasury.

Bypassing every legal and political channel under the guise of "national security," Trump has enacted this total money reset using a landmark executive order (1421).

Whether you’re a Democrat or Republican, whether you support this new money or not, it doesn't matter.

Soon, every U.S. citizen will be forced to use Trump's New Dollar to fill their gas tank, buy groceries, and pay medical bills.

Which is why I've produced a critical new documentary laying out exactly what Trump's New Dollar means for your savings, your investments, and your family's financial future.

Detailing three important steps you can take today to prepare – including the name of a core band of assets connected to Trump’s initiative that could surge as a result.

As you’ll see in my briefing, the last time America reset its money like this – under Richard Nixon’s presidency in the 1970s – it created one of the greatest wealth divides in the history of our nation.

On one side, it minted an average of 1,300 new millionaires a day for over half a century. And on the other… the folks left behind, drowning in debt, with no idea how to use America’s new money to create wealth.

As Trump rolls out his new dollar, the question is:

Which side will you be on?

Good investing,
Porter Stansberry

PS. If you’re wondering what Trump’s new money will look like, when it will be issued, what it means for your investments – all of those questions are answered in my briefing.
Inspiration Quote for the Day
“The question isn’t at what age I want to retire. It’s at what income.”
— George Foreman
The Morning Ritual
Your Health Insurance Just Doubled and Nobody Voted on It
My neighbor is a self-employed bookkeeper. Makes about `$55,000` a year. Last year she paid around `$112` a month for a Silver plan through the ACA marketplace. That is the federal health insurance exchange where individuals buy coverage. She opened her renewal letter in December. The new number was over `$600`. Same plan. Same doctor. Same deductible.
She is not alone. On January 1, millions of Americans woke up to the same math.
In One Sip
► S&P 500 closed Monday at `7,405.73`, up `0.30%`. The 10-year Treasury yield eased to around `4.55%`. The VIX dropped to `18.92`, down `12%` from Friday’s spike.
► Enhanced ACA premium subsidies expired on December 31, 2025. About `22` million Americans had received those subsidies. KFF projected that keeping the same plan would cost `114%` more in 2026. In practice, average premium payments rose `58%` because many people switched to cheaper plans.
► ACA marketplace enrollment is projected to fall roughly `21%` to about `17.5` million people in 2026, down from `22.3` million in 2025, according to KFF analysis of Wakely Consulting Group estimates.
► Average deductibles rose `37%` to `$3,786` in 2026, up from `$2,759` in 2025. KFF called it the steepest increase in ACA marketplace history. The jump happened because millions of people switched to bare-bones bronze plans to keep premiums down.
► Here is the buried story: people just above the subsidy cliff made up only `3%` of 2025 enrollment but accounted for `27%` of the total decline in sign-ups, according to KFF. They lost all financial help overnight. Many simply walked away from coverage.
Why It Matters for Your Money
Here is the dollar math. A subsidized ACA enrollee paid an average of `$74` a month in 2025, according to KFF. The average benchmark Silver plan actually costs `$625` a month before subsidies. The subsidy covered the gap. When it shrank, the bill landed on your kitchen table.
For someone earning `$55,000`, that could mean going from a `$112` monthly premium to over `$500`. That is roughly `$5,000` a year in new costs. No raise covers that. No budget absorbs it painlessly.
Now think about who this hits. About `5` million small business owners and self-employed workers were enrolled in the ACA marketplace in 2025, according to the Center on Budget and Policy Priorities. Freelancers. Contractors. Real estate agents. Consultants. People without an employer picking up the tab.
Here is what nobody explained clearly enough. The subsidies were not a bonus. They were the only reason coverage was affordable for most enrollees. When they expired, the sticker price did not change. The discount did. And for households earning between `$50,000` and `$62,600`, the math broke instantly. Too much income for bigger subsidies. Not enough to absorb a `$500`-plus monthly premium. Right in the gap, with nowhere to go.
The Wealth Angle
I think this is the biggest hidden cost increase of 2026. Bigger than gas. Bigger than groceries. And almost nobody is treating it that way.
Inflation makes the news every month. CPI numbers get dissected on cable television. But a `58%` average premium increase hitting millions of people? That barely held the front page past the first week of January. Congress went on recess. The story moved to the back of the newspaper.
Think about that for a second. If grocery prices jumped `58%` in one month, there would be protests. Health insurance did exactly that and most people shrugged because the number only hit a specific slice of the population. But that slice includes your neighbor who freelances. Your sister who retired early at `58`. Your kid who started a small business.
The subsidy cliff is back. If you earn more than `$62,600` as a single person, you get zero help. One dollar over the line and the full unsubsidized premium lands on you. The average Silver plan for a 40-year-old costs `$625` a month before subsidies, according to KFF. For a couple in their late fifties, that number climbs fast.
Sound familiar? This is the same cliff that existed before 2021. Congress patched it for four years with enhanced tax credits. Then it let the patch expire. And the people in the gap are making real decisions right now. Some are dropping coverage. Some are downgrading to bronze plans with `$7,476` average deductibles. Some are gambling that they stay healthy.
☕ Key Insight:
Average ACA premiums rose `58%` on January 1. Average deductibles jumped `37%`. That is not inflation. That is a subsidy cliff. And the people standing on the edge are the self-employed, the early retirees, and the small business owners who built this economy.
Coffee Break Move
If you buy your own insurance: Log into healthcare.gov this week. Check whether your income qualifies you for any remaining standard subsidies. If you are near the `$62,600` cliff, look at whether a traditional IRA contribution or an HSA deposit could lower your modified adjusted gross income enough to stay under the line. That is not a loophole. That is tax planning.
If you have employer coverage: Do not assume you are safe forever. Ask your HR department what happens to your coverage if you leave, get laid off, or retire before `65`. Know the COBRA number. Know the marketplace number. The gap between employer-covered and self-funded insurance has never been wider. Only `27%` of large firms still offer retiree health coverage to pre-Medicare workers, according to KFF.
I talked to my neighbor again last week. She kept her coverage. She cut her vacation budget to zero and picked up two new clients. She told me she did not plan to work harder at `54` just to afford the same doctor. That sentence stayed with me. It should stay with you too.

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