Questa crisi nascosta potrebbe spazzare via i tuoi risparmi pensionistici

Questa crisi nascosta potrebbe spazzare via i tuoi risparmi pensionistici

What if I told you that humanity’s greatest 
threat isn’t climate change, nuclear war, or even runaway AI, but instead something more 
stealthy? What did you say? Around the globe, populations are quietly shrinking, setting the 
stage for an economic shock wave unlike anything we’ve ever seen. So today, we’re breaking down 
exactly why demographic decline matters, what’s causing it, how it’s beginning to reshape the 
financial system, and what all of this means for your future. My name is Guy, and believe me, this 
is a video you simply cannot afford to miss. Now, first things first, you need to know that nothing 
in this video is financial or investment advice. It’s educational content intended to inform you 
about demographics and the effects they could have on the economy and the markets. And if this is 
the kind of content you want to get more of, then comes to human history, the idea of endless 
growth feels almost ingrained in us. After all, it wasn’t long ago we were hearing stories of an 
impending population bomb. Fears that the planet would soon become overcrowded and its resources 
stretched to breaking point. Well, as it turns out, those fears missed something critical. The 
real crisis facing humanity isn’t endless growth. It’s the exact opposite. Populations around the 
globe are shrinking faster than most of us realize and the data paints a startling picture. According 
to projections from institutions like the European Commission and renowned medical journals like 
the Lancet, the global population is set to peak sooner and lower than previously thought. 
Forget reaching 12 billion people by 2100. New estimates suggest will peak at around 9.7 billion 
by the60s and start declining sharply from there. And that might sound surprising until you consider 
what’s already happening on the ground. Japan has been the proverbial canary in the coal mine, 
experiencing a decline in population for decades. Birth rates in places like South Korea are also 
shockingly low, currently standing at around 0.72 births per woman. Italy, Spain, and other European 
countries aren’t far behind with fertility rates consistently below 1.4. Even China, which until 
recently was the world’s most populous country, is now shrinking. Now, for context, the birth 
rate required to keep a population growing is approximately 2.1 children per woman, the 
so-called replacement rate. And while populations are still increasing in certain regions like 
subsaharan Africa and parts of South Asia, in the grand scheme of things, it isn’t long until 
they too begin to experience demographic declines. What’s clear right now though is that the West in 
particular is in big trouble. But what’s causing this unprecedented collapse in population growth? 
Well, first there’s economics. Simply put, having children has become prohibitively expensive. 
Housing, child care, education, and health care costs have soared beyond the reach of average 
families. The United States recently reported the average cost of raising a child to adulthood 
as exceeding $310,000. Meanwhile, real wages have barely moved for decades, even as living costs 
have been surging yearoveryear. It’s little wonder fewer people feel financially secure enough to 
raise families. And speaking of modern lifestyles, another reason behind falling populations is 
social isolation. People simply aren’t forming relationships and families like they used to. 
Surveys revealed that around half of Americans report having fewer than three close friends 
and more than 10% have no close friends at all. Community bonds once central to relationships and 
family formation have largely dissolved, replaced instead by digital connections that leave many 
feeling disconnected and lonely. Social media’s impact on relationships can’t be overstated. 
While it seemingly expands our social circles, the reality is that it’s made relationship 
building harder, not easier. Today, you’re not just competing with the people in your local area. 
You’re competing with everyone on the planet. This unprecedented competition pressures individuals 
to constantly seek something or someone better, further eroding long-term relationships. Shifts in 
gender roles and increased workforce participation have also reshaped family dynamics. While these 
changes have brought long overdue social progress, they’ve also had unintended economic consequences. 
Two incomes became necessary where previously one was sufficient, placing immense financial and 
emotional strain on working parents. And finally, uncertainty about the future is deterring more 
and more people from starting families. Concerns about the environment, economic instability, and 
societal pessimism, often amplified by social media and sensationalist mainstream media, have 
created widespread anxiety about the viability of raising children in today’s world. But what does 
this demographic decline mean for your financial future? Well, the uncomfortable truth is that our 
entire financial system fundamentally depends on continuous population growth, especially things 
like pensions. Think about it. Pensions rely on younger workers paying into the system today to 
fund retirement benefits for older generations. Now, this arrangement works fine as long as 
there’s a steady influx of younger workers. But what happens when this younger population 
starts shrinking substantially? If you’ve watched our video on pensions, you’ll already know that 
pension schemes worldwide, from Europe and the US to Japan, essentially operate like giant 
Ponzi schemes. Governments have already spent most of the pension contributions that today’s 
retirees paid in decades ago. These pension systems depend entirely on new generations of 
workers contributing each year in order to sustain payouts. But here’s the problem. With declining 
populations and fewer new workers entering the workforce, governments face a difficult 
choice. They could drastically raise taxes on the shrinking workforce, risking severe economic 
backlash. Or they could drastically cut pensions for retirees, potentially triggering enormous 
social unrest. So instead, many governments quietly turn to stealth tactics such as financial 
repression and mass immigration. Now, financial repression essentially involves holding interest 
rates artificially below inflation levels, eroding your savings purchasing power over time. 
An invisible tax that enables governments to take on more debt to manage these ballooning 
pension liabilities without openly defaulting. And this isn’t some distant possibility. It’s 
already happening. Take Japan for instance. Japan currently has the world’s oldest population 
with more retirees than active workers. Pension obligations are soaring and public debt 
has reached well over 250% of GDP. Unable to significantly raise taxes or slash pensions 
without risking social turmoil, the Japanese government is increasingly resorting to financial 
repression. quietly transferring wealth from savers to the government by rapidly inflating away 
the currency and the value of social obligations like pensions. But if you think Japan is unique, 
think again. Europe and North America are on remarkably similar trajectories, merely delayed 
by a few years. Meanwhile, another strategy increasingly used by Western governments has 
been to rely on immigration as a temporary fix, bringing in younger workers from abroad to help 
sustain the pension Ponzi scheme for just a little longer. However, immigration as a strategy to 
manage demographic decline isn’t straightforward. An increasing reliance on immigration to sustain 
pension systems has begun to trigger significant political backlash. Public resentment towards 
immigration policies has surged across countries worldwide, fueling political polarization 
and the growth of nationalist movements. Many European governments are now struggling to balance 
economic necessity with social stability as voters increasingly resist immigrationdriven policies. 
So then how else can governments maintain pension payouts? Well, unfortunately the answer is simply 
more debt. Governments issue bonds to fund pension liabilities, continually kicking the problem down 
the road. But issuing bonds means governments need buyers for those bonds. Without enough willing 
buyers, governments are forced to pressure banks, pension funds, and insurance companies into buying 
these bonds, often at yields lower than inflation. Yet another form of financial repression. But 
perhaps even more concerning is the potential impact on asset prices and particularly in the 
stock market. Today’s pension funds are heavily invested in stocks, often passively through 
automated index funds, which buy regardless of price. Now, this price insensitive behavior has 
earned them the nickname large mindless robots. And with a shrinking pool of young workers, 
pension funds experience reduced inflows, eventually slowing or even reversing the 
massive streams of money historically flowing into large stock indexes. Over time, major stock 
markets heavily dependent on continuous growth, consumer spending, and these inflows could face 
severe downward pressure. And falling asset prices mean shrinking pension payouts, potentially 
triggering economic pain for the millions of retirees who depend on these investments. But 
while this scenario might sound grim, it’s also quietly setting the stage for a remarkable shift. 
The rotation of economic power from capital back to labor. But first, some context. For decades, 
the global economy has been firmly in the hands of capital. that is big investors, major corporations 
and the ultra wealthy. Their dominance came from an abundant labor supply, globalized markets, and 
the ability to outsource work to wherever it was cheapest. But what happens when the endless supply 
of cheap labor suddenly starts to disappear? Well, to understand this, let’s quickly recap how 
we got here. For the last several decades, corporations have leveraged globalization to 
keep wages suppressed. Factories moved abroad, labor markets became global, and corporations 
extracted huge profits by paying the lowest possible wages. Workers had little bargaining 
power, and wages barely budged in real terms, even as productivity soared and corporate profits 
reached unprecedented highs. But now demographic collapse is fundamentally changing this dynamic. 
Fewer births mean fewer young workers entering the workforce. At the same time, baby boomers, 
once the core of the labor market, are retiring in record numbers. Suddenly, corporations find 
themselves competing fiercely for fewer available workers. And this phenomenon isn’t theoretical 
either. It’s already unfolding in real time. Take Japan again for instance. Due to severe labor 
shortages driven by its aging population, wages there have surged dramatically. Recently, some 
Japanese companies increased salaries by nearly 10% in a single year. Employees who switched jobs 
gained raises averaging over 40%. And companies aren’t doing this out of generosity. They’re 
doing it to survive. They have no choice but to pay up or risk losing their workforce. But Japan 
is just the beginning. Similar trends are quietly emerging across developed nations in Europe and 
North America. After decades of wage stagnation, employees in many Western countries now have 
increasing leverage in the job market. This leverage is also why many Western nations have 
recently accelerated immigration policies, hoping to mitigate labor shortages. Yet, immigration 
is no longer the easy solution it once was. Major outsourcing hubs China and India are 
now facing their own demographic challenges, further shrinking the global labor pool. Companies 
can no longer simply move production overseas or bring in cheap labor from abroad without running 
into demographic walls elsewhere. So what about automation and AI, the so-called silver bullets 
corporations are desperately counting on? Well, while artificial intelligence and robotics may 
eventually reduce the need for human labor, current technologies are nowhere near advanced 
enough to meaningfully replace the complex roles many workers fill. This is why corporations 
now face a difficult choice. Adapt to higher wages or face shrinking operations and declining 
profits. Decades of capital dominance conditioned them to prioritize profits above all else. 
But now sustaining profits requires investing heavily in their workforces and providing better 
wages conditions and benefits. And once labor scarcity becomes the norm, the old playbook of 
suppressing wages no longer works. Higher wages become entrenched, shifting power firmly back to 
workers for an extended period. In other words, demographic collapse is inadvertently leveling 
the economic playing field for labor in ways we haven’t seen in generations. But this shift 
doesn’t last forever. As wages rise, family formation becomes financially viable again. Higher 
salaries mean more families can afford children, potentially reversing some demographic decline. At 
the same time though, increased family formation temporarily tightens labor markets further. As 
parents, especially women, exit the workforce to raise families. This creates a feedback loop. 
Rising wages encourage family formation. Further labor shortages drive wages even higher until 
eventually labor markets rebalance and stabilize. At that point, economic power may slowly rotate 
back to capital, completing the cycle. However, while the economic pendulum is now clearly 
swinging back towards labor, these major shifts unfold gradually, taking decades to fully 
materialize. We’re still only in the early stages of this transition, meaning it may be many years 
before we truly emerge from this demographic crisis and achieve a stable new equilibrium. 
Which brings us to the allimportant question. Can the current financial system adapt 
to this profound demographic shift? Well, to answer this, we need to take a closer look at 
what the current financial system is based on. Capitalism. Throughout its history, capitalism has 
proven remarkably resilient, consistently adapting to disruption, reinventing itself in the face of 
every new crisis, and emerging stronger each time. But the demographic storm we’re entering today is 
unlike any challenge capitalism has faced before. As you might know, capitalism fundamentally 
thrives on growth. Continuous expansion requires more workers, more consumers, and an ever 
growing market. With global populations shrinking, we’re losing this crucial engine of economic 
prosperity. Unlike past economic downturns such as financial crisis, inflationary episodes or 
recessions, this demographic shift is structural, long-term, and profoundly different. Additionally, 
many modern corporations, especially large tech giants, have gradually moved away from genuine 
innovation towards a rent extraction model known as technofudalism. Companies like Apple, Google, 
and Amazon increasingly generate profits not from groundbreaking innovations, but from dominating 
markets and extracting rents due to their sheer scale. Now, this approach worked effectively when 
populations and markets were expanding steadily, hiding fundamental stagnation behind impressive 
short-term profits. But without demographic growth, these companies face a stark new reality. 
They must innovate meaningfully or risk prolonged stagnation. And beyond corporate dynamics, the 
demographic shift profoundly reshapes consumer behavior. Aging populations don’t just spend less 
overall, they spend differently. Older consumers typically reduce discretionary spending, shifting 
their expenditures towards essentials such as healthare, pharmaceuticals, and retirement 
related services. This structural shift in consumer demand directly challenges businesses 
built around traditional consumption growth models. Then there’s the issue of productivity. 
Historically, rising productivity has offset declining population growth, enabling continued 
prosperity despite demographic headwinds. Yet today, productivity growth in many developed 
nations has stalled significantly. Ironically, the slowdown in productivity growth coincides 
precisely with a period when transformative innovations are needed the most. Moreover, the 
demographic shift exacerbates another structural economic vulnerability, consumer debt. As 
real wages stagnate and living costs sore, households increasingly rely on credit. Total 
consumer debt has already reached record highs, exceeding $18 trillion in the United States alone, 
with credit card debt surpassing $1 trillion. Many families now depend on debt simply to cover 
daily expenses from groceries to housing. And a shrinking consumer base and declining workforce 
make this debt increasingly unsustainable, further threatening economic stability. In fact, 
we actually have an entire video on consumer debt which you can find right over here. But again, 
capitalism has proven adaptive in the past. So to survive this unprecedented demographic storm, 
capitalism must once more fundamentally reinvent itself. Governments may need to rethink their 
policies, shifting towards initiatives explicitly designed to support families and stabilize 
demographics such as affordable housing, better child care, healthcare reform, and 
parental leave. Regulators, meanwhile, might aggressively tackle monopolistic market 
structures and rentseeking practices, redirecting corporate incentives towards genuine innovation 
rather than mere extraction. And this all puts capitalism itself at a historic crossroads. If 
it successfully adapts again, the system could emerge stronger, fairer, and more sustainable. But 
if not, we may face prolonged economic stagnation, instability, and even deeper social and 
political challenges, reshaping societies, economies, and lives worldwide. And rather than 
passively waiting to see how things unfold, it’s essential that you proactively prepare for 
the new demographic and economic reality. But what does this shift actually mean for you personally? 
And how should you position yourself? Well, first and foremost, it demands a shift in your 
mindset. The next decades will look fundamentally different from what we’ve known before. The 
conditions that previously allowed a select few to thrive are rapidly changing. We’re now 
entering an era shaped by labor shortages, rising wages, and a profound shift in economic 
power dynamics. As we discussed earlier, this shifting balance between capital and labor 
directly impacts your leverage as a worker. With fewer workers entering the workforce, companies 
must increasingly compete to attract and retain skilled talent. This gives you significantly 
greater bargaining power than you’ve likely had before. Understanding your increased value 
and positioning yourself accordingly is crucial to thriving in this new reality. This means 
your career strategy may need an upgrade. Actively invest in yourself through continuous 
education, training, and skill development, particularly within industries projected 
to face significant labor shortages. But successfully navigating this demographic shift 
isn’t only about individual careers. It also creates opportunities for strategic investments. 
When workers gain more economic power, certain sectors naturally outperform others. Companies 
that attract talent by offering competitive wages, supportive family policies, and flexible 
working conditions will likely become stronger, benefiting from higher productivity, lower worker 
turnover, and sustained success. Additionally, governments worldwide increasingly recognize 
that supporting family formation is essential to economic stability as they respond with targeted 
policy measures such as affordable housing, improved education, health care services, and 
elder care. Sectors aligned with these policies could see substantial investment and growth. 
Beyond investing in specific sectors, geographical diversification also becomes crucial in this new 
demographic landscape. Population decline isn’t uniform worldwide. Some countries and regions will 
navigate this transition far more successfully than others. Nations proactively supporting family 
formation, strategically managing immigration, and maintaining balanced demographics are likely 
to outperform those facing severe demographic challenges. So, diversifying your investments 
across multiple regions helps mitigate risks concentrated in any single economy, protecting 
your long-term financial stability. Additionally, embracing active portfolio management 
becomes essential. As we’ve discussed, many pension systems today are heavily invested 
in stock markets, often passively through index funds. As more people retire and fewer new 
workers contribute, inflows into major stock indexes will inevitably slow, creating potential 
downward pressure on large cap indexes. Now, this doesn’t mean you should immediately sell your 
tech stocks or drastically reposition your entire portfolio. Remember, demographic shifts unfold 
over many years, and any major market repricing isn’t likely to happen overnight. So instead, 
carefully evaluate sectors clearly positioned to benefit from this long-term demographic shift. 
And finally, strategic financial planning is critical. Clearly understand your own long-term 
financial needs, especially in terms of pensions, retirement, and wealth preservation. With 
traditional pension systems under enormous stress, it’s prudent to clearly plan for multiple 
financial scenarios, including ones where government provided pensions fall short. So, 
diversifying your investments and saving strategy, considering alternative retirement solutions, and 
ensuring flexibility in your financial plans will greatly enhance your long-term security. While 
the economic landscape we’re entering may be unfamiliar, by positioning yourself strategically, 
staying adaptable and remaining informed, you can clearly transform uncertainty into opportunity. 
Because even in times of great change, knowledge truly is power. And if you’re curious about how 
governments might handle their looming pension crisis and what it means for your financial 
future, we have a video covering exactly that right over here. And if you haven’t subscribed 
to the channel already, you can do so right over here. Okay, thanks so much for watching and 
I’ll see you again very soon. This is Guy signing

What if I told you that humanity’s greatest threat isn’t climate change, nuclear war, or even runaway AI—but something quieter, yet potentially more devastating? Around the globe, populations are quietly shrinking, setting the stage for an economic shockwave unlike anything we’ve ever seen.

Today, we’re breaking down exactly why demographic decline matters, what’s causing it, how it’s quietly reshaping capitalism itself and what all this means for your financial future. This is a video you can’t afford to miss.

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📺Essential Videos📺

The Biggest PONZI In The World 👉 https://www.youtube.com/watch?v=Hk-aakT17_A
Consumer Debt Bubble 👉 https://www.youtube.com/watch?v=bZTnKASAHXc
Financial Repression 👉 https://www.youtube.com/watch?v=ccTinj2DVvg&t=18s

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⛓️ 🔗 Useful Links 🔗 ⛓️

► The Population Bomb: https://retroreport.org/video/population-bomb-the-overpopulation-theory-that-fell-flat/
► Child Raising Costs: https://www.cbsnews.com/news/raising-a-child-costs-310000/
► Japan Debt: https://eastasiaforum.org/2025/07/07/japan-needs-to-get-serious-about-tax-reform/#:~:text=In%20Brief,absence%20of%20a%20fiscal%20crisis.
► US Consumer Debt:
https://www.scrippsnews.com/life/money/u-s-household-debt-reaches-18-2-trillion-in-first-quarter-of-2025

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– TIMESTAMPS –

00:00 Intro
00:39 Why Are Populations Shrinking?
05:34 Pensions
10:24 Capital vs Labor
15:26 Capitalism
19:54 How to Prepare?

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📜 Disclaimer 📜

The information contained herein is for informational purposes only. Nothing herein shall be construed to be financial, legal or tax advice. The content of this video is solely the opinions of the speaker who is not a licensed financial advisor or registered investment advisor. Trading cryptocurrencies poses considerable risk of loss. The speaker does not guarantee any particular outcome.

#globalpopulation #crypto #birthrate