Natalie Pace

Think your fixed-rate mortgage keeps you completely safe? Think again.As banks lose money on mortgages locked in under 4 percent, they are digging into the fine print for loopholes and what they are finding could put your home at risk.

In my latest interview, financial investigator Kelly McGinnis shares some of the 2,500 shocking case studies she has uncovered, including:

The 10.25 percent Trap: One homeowner paid his 3.75 percent fixed-rate mortgage on time every single month. The bank found a loophole in the contract, broke the agreement, jacked his rate up to 10.25 percent, and foreclosed on his...

When Natalie Pace was in her 30s, she was a single mom, with a son in elementary school. Her income didn't cover the bills. Her credit card debt was high and the home that she got in the divorce was underwater, owing more on the mortgage than the condo was worth. It was a 2-bedroom, so renting out the 2nd bedroom wasn't an option.

So, how did she escape that dead-end and build an authentic life and career? More importantly, do you know someone in your family who is stuck in the gig economy, drowning...

The hidden vulnerabilities of fixed-income assets are being exposed. What many investors treat as a risk-free security blanket is actually carrying unprecedented levels of risk. If you don't know exactly what you own and why you own it, you could be exposed to quiet, compounding losses that threaten your long-term financial security. Conservative investors with little risk tolerance are in fact the most vulnerable.All this and more in today's free podcast and videoconference with Natalie Pace. Email info@nataliepace.com with any questions or comments. Email info@nataliepace.com with your money questions, opportunities and challenges. Wisdom and...

Who Wins the Trillion-Dollar Sky?The era of sitting in 90-minute bumper-to-bumper traffic is coming to an end. Electric air taxis (eVTOLs) are officially preparing for liftoff, actively replacing noisy, expensive helicopters with zero-emission flights that can turn an hour-long gridlock commute into a stress-free, 10-minute cruise. In our latest deep dive, we break down the two market giants leading this multi-billion-dollar race: Archer Aviation and Joby Aviation. From Archer’s massive $126M infrastructure land grab at Hawthorne Airport to Joby's FAA testing milestones and plans to launch in Dubai, we explore exactly how these corporate empires are carving up...

When you are driving a rideshare or working a corporate gig far outside your area of expertise and passion, life can feel bleak. The road ahead looks endless.

Like many of us, Natalie Pace's own journey started with jobs she didn't care for at all—including one that directly violated my moral code. But taking a leap of faith allowed her to step into a career that brings genuine joy. Life isn't perfect, but waking up on fire with purpose is a beautiful feeling. It brings a heart-centered smile that social media filters could never replicate.

...

Yesterday, the Treasury Department tried to calm interest rates by throwing money into the bond market. However, just one day later, investors of long-term Treasury bonds and notes ignored the bailout and continued to demand a higher return for their risk. Why? Investors worldwide want a real plan for lowering U.S. debt and deficits, rather than just a bailout Band-Aid.

U.S. public debt topped $40 trillion on August 18, 2026. The budget deficit is on track to be $2.1 trillion this fiscal year. The amount the U.S. must pay in interest will be $1 trillion. The current debt ceiling...

Designing High-Performance Wealth: The Power of Rigorous Analysis.

Copper prices are an all-time high. But an investment in Peru yield the superstar returns. 169.3% gains over the 3-year period versus 53.3%.

Everyone wants a little income these days. Which country offers lower risk and higher yield than the United States?

There’s one country in Europe that has 3rd highest GDP per capita in the world. It’s also been a great investment. Wonder which one it is?

There’s a liquidity concern in US treasury bonds. You can get the same yield (4%) with m...

Why are 6 out of 7 companies in the Magnificent 7 lagging the S&P500 so far in 2026? Tesla and Meta are down by a third. SpaceX, another AI superstar, is down by half from its high. If AI is driving GDP growth (and it is) then why is Wall Street hammering AI stocks?

All this and more in today's free podcast and videoconference with Natalie Pace. Email info@nataliepace.com with any questions or comments.

Links from Today:

https://www.finra.org/rules-guidance/key-topics/margin-accounts/margin-statistics

https://www.nataliepace.com/blog...

Nobel Prize Winning Physicist Steven Chu has addressed climate change and solutions as a scientist, physicist, professor and policymaker. In this candid interview with Earth Gratitude's co-creator and executive director Natalie Pace, Professor Chu focuses on the power of the individual -- how our choices, our voices and our money can support the clean solutions that available today or are being developed. Additional Resources and Links:https://physics.stanford.edu/people/steven-chuhttps://kikim.com/project/the-citizen-scientist/

https://www.stevechulab.com/

Learn more sustainability successes & solutions in the 21-Day #EarthGratitude Challenge (free) and our 5-part docuseries...

Natalie Pace discusses the following in her Wall Street on Fire: Mid-Year 2026 Review.

Will stocks keep hitting new highs?

How big of a problem is the gambling (margin trading)?

How Hot is The Magnificent 7?

Are Blue Chips a Great Way to Make Income? (Why are we using non-U.S. value replacement funds?)

Gold & Silver Forecasts

Crypto Winter: How Deep will the freeze get? When will it end? Copper Prices and Peru

AI: Exciting and Expensive

Air Taxis Take FlightAnd more.

Jay Samit is an international bestselling author, serial entrepreneur, and former Independent Vice Chairman of Deloitte Digital. He has pioneered breakthrough technologies used by billions of consumers and helped grow companies like LinkedIn, Sony, and Universal Studios. Now he harnesses his wisdom into his new book The Second Act Advantage, which comes with a free mobile app "Digital Jay" to help us all create our next and best chapter of life, while building an unforgettable legacy.

All this and more in today's free podcast and videoconference with Natalie Pace. Email info@nataliepace.com with any questions or...

Are you seeing videos of Warren Buffett offering investing tips? One of my coaching clients sent over a video and wanted to make sure that we were addressing all the areas that Buffett suggested in the video. However, did Warren Buffett ever say these things? Was she aware that the video was AI-generated?Below are the areas covered in this podcast/videocon. Inflation. Is it Here to Stay?Will Interest Rates Go Up or Down? What about an Inflation-Protected Investment (TIPS)?How to Know if the Warren Buffett Video You’re Watching is a DeepfakeEarning Income: Dividend-Paying StocksEarning Income: Bo...

Life can be frustrating and people can be rude. How do we create peace out of a challenging or aggressive moment? How do we nurture children to grow up to be empowered, empathetic and even-keeled adults?

These are just some of the topics that I discussed with Elizabeth Hamilton Guarino and Dr. Katie Eastman, the authors of the new bestseller The Peace Guidebook: How to Create Hope, Healing and Harmony for the Good of Humankind. Buy your book wherever books are sold.

Join the movement at https://www.PercolatePeace.com/. Share...

The SpaceX IPO Could Soar to $2 Trillion. Should You Book a Flight?SpaceX will become publicly traded on the NASDAQ Stock Exchange on or about June 12, 2026, with the ticker symbol SPCX.

You know you want to buy it. Should you jump in on June 12? Put SpaceX on a Stock Shopping List? Will it show up in one of the technology funds that you already own? Will the Wall Street insiders who have been investing in SpaceX for half a century! use the IPO to sell high and turn their paper profits into hard cash at retail investors...

The SpaceX IPO Could Soar to $2 Trillion. Should You Book a Flight?SpaceX will become publicly traded on the NASDAQ Stock Exchange on or about June 12, 2026, with the ticker symbol SPCX. It is likely that the world will see its 1st trillionaire crowned on the 1st day of trading (Elon Musk), if the IPO comes in at $1.6 trillion or higher, and stays there.

You know you want to buy it. Should you jump in on June 12? Put SpaceX on a Stock Shopping List? Will it show up in one of the technology funds that you...

Natalie Pace, the co-creator and executive director of the Earth Gratitude project, interviews Jasen Brown. Learn more about how engineering can optimize the sustainable goals of business. Jasen covers energy efficiency, eliminating plastic and single-use, composting, behavioral changes, solar and more.

Additional Resources and Links:https://www.instagram.com/ritzcarltonbachelorgulch/

Email NataliePace@EarthGratitude.org.

Photo: exterior of Ritz-Carlton, Vail, in winter.

Despite war, a pause on interest rate cuts and very high oil prices, Wall Street surged in April. Investors favored big tech, pushing the NASDAQ Composite Index up an impressive 13% (as of early morning trading). So, will everything keep going up, up, up or should you Sell in May and go away (a popular aphorism).

Register for our ONLINE Financial Freedom Retreat (June 5-7, 2026), our Preparing for Retirement with Your 1st Job Masterclass (June 13, 2026), or our next Restormel Royal Manor House Adventure (March 4-11, 2027) in England.

Email info@NataliePace.com or...

Are you living your soul's purpose? Do you wake up on fire with inspiration?

Rickie Byars is the embodiment of someone who is doing what she came here to do. She is the songwriter of so many of our beloved New Thought Ancient Wisdom songs. But how did she get from the segregated South to singing on stage with Will.I.Am and John Legend or being the music director and principal writer for the Agape International Choir? What challenges did she face? What obstacles did she overcome? When did she have to "Let go and let...

The S&P 500 hit a new high on April 15, 2026 on hopes the War in Iran will end soon. At the same time, many of the Magnificent 7 are still far off their all-time highs, including Tesla (-21.4%) and Microsoft (-26%).

Is this a buying opportunity, or are there risks on Wall Street that many of us are not properly prepared for? What about AI, quantum, crypto, gold and silver? Should we be leaping in, tiptoeing in or taking profits?

All this and more in today's free podcast and videoconference with Natalie Pace. Email info...

Over the past few years, we’ve been using the same four countries as our value replacements and for diversification. Some of the funds of these countries offer higher credit quality, lower debt and/or higher income than the United States. Peru was the superstar of 2025. The fund more than doubled.

The question is: which countries are the best choice for 2026 and beyond? Have they changed?

All this and more in today's free podcast with Natalie Pace. Email info@nataliepace.com with any questions or comments.

Our office has been receiving a lot of panicked emails of late. Stocks have dropped -7.5%. If your wealth is down that much, you're not properly protected.

So, what should you do to protect your wealth from the war in Iran and high oil prices? Even though stocks are down 7.5% from the high set on Jan. 28, 2026, they are still trading quite high. There is still time to protect your wealth. (Preparedness is always a better strategy than hope.)

All this and more in today's free podcast and videoconference with Natalie Pace.

You’ll fi...

On any given day, 65% of student residents at Stanford University bike on campus. This high rate of, along with a 22% overall bike commute rate for the broader campus community, has helped secure Stanford University a record fourth Platinum Bicycle Friendly University award.

How did the university reduce its drive-alone commute rate from 67% in 2003 to 38% in 2024? What steps can other universities and cities take to encourage bike commuters? Which 5 Es are essential to the success of the bike program at Stanford? What improvements will Stanford's Transportation team make in 2026?

All this and more in...

The war rages on. Oil prices soared as high as $119/barrel (WTI) in March 2026. How do you protect your wealth? Should you invest in oil and defense? What's safe in this world? All this and more in today's free podcast. Get links to the webpages mentioned at YouTube.com/NataliePace.

Email info@JoinNataliePace.com with VIDEOCON in the subject line if you'd like to join me live at my next conference.

Register for our ONLINE Spring Financial Freedom Retreat (April 24-26, 2026), our Stock Masterclass (May 2, 2026), or our next Restormel Royal Manor House Adventure (March 12-19, 2027...

Oil prices soar.

Stocks sink.

The war rages on.

How do you protect your wealth?

All this and more in today's free podcast.

Email info@JoinNataliePace.com with VIDEOCON in the subject line if you'd like to join me live at my next conference.

Register for our ONLINE Spring Financial Freedom Retreat (April 24-26, 2026), our Stock Masterclass (May 2, 2026), or our next Restormel Royal Manor House Adventure (March 12-19, 2027) in England. Email info@NataliePace.com or call 310-430-2397 to Learn more and register. Visit the...

What will be hot in 2026? We know the superstars of 2025, including silver, Peru, copper, clean energy and the Magnificent 7. However, in February, investors began selling technology and rotating into last-century companies.Will the trend continue?

Should you follow it? What should we know about midterm election year stock market trends?

All this and more in today's free videoconference. Email info@NataliePace.com or visit YouTube.com/NataliePace for links to the blogs mentioned in this podcast.

Free ebook Feb. 14-18, 2026. The ABCs of Money for College.

https://www.amazon.com/dp/B0GF4CWPPT

“There are many strategies in Natalie Pace’s book, The ABCs of Money for College, that prepare families – remember education is a family journey – to uplift and educate their children. Natalie also shares strategies for students who are not well-supported at home to create their own pathway to success. Given the central role that investments in the human capital of our children will play in the success of our children and our country, Natalie’s book could not be mor...

By now you've heard that AI, data centers, and the Magnificent 7 are responsible for Wall Street's spectacular gains over the past three years. You know that gold is on fire.

However, are you aware that silver was the superstar in 2025, having tripled in price, or that Peru and clean energy were some of the super performers? Our Peru ETF (EPU) doubled, while clean energy is up almost 60% YOY. This pretty much rounds-up the hot picks we selected for 2025. Will they continue to perform in 2026, or are there new areas to lean into?

What about bitcoin...

Watch Natalie Pace, the co-creator and executive director of the Earth Gratitude Project, interview Edd Moore, the author of 100 Eco Ideas for Primary School Teachers and an eco educator and consultant. Get more information and purchase the book at https://www.EcoEdd.com/.Links from Today:

https://www.ecoedd.com/

https://www.bloomsbury.com/uk/100-ideas-for-primary-teachers-greener-school-9781801997843/

https://www.theharmonyproject.org.uk/

https://rootsandshoots.org/

Listen to Natalie Pace, the co-creator and executive director of the Earth Gratitude Project, interview Edd Moore, the author of 100 Eco Ideas for Primary School Teachers and an eco educator and consultant. Get more information at https://www.EcoEdd.com/.Links from Today:

https://www.ecoedd.com/

https://www.bloomsbury.com/uk/100-ideas-for-primary-teachers-greener-school-9781801997843/https://youtu.be/V9qdxOKNf9w

We'll be hosting a 2026 Earth Gratitude Challenge. Are you wanting to get more green in 2026? These daily challenges will inspire, educate and activate all of us to live rich, green lives! Email NataliePace@EarthGratitude...

Health Insurance Life Hack. Are You Spending Thousands Every Year?Are you spending hundreds/month (thousands or tens of thousands each year) on health insurance? Did you know that there is a little-known life hack where you can have great insurance protection, save thousands (or more) each year, receive a tax deduction and start building up for the best long-term health care coverage? The sooner you start the wealthier you'll become, when you stop making the health insurance company rich and incorporate smart money strategies.https://www.irs.gov/publications/p969https://www.irs.gov/newsroom/treasury-irs-provide-guidance-on-new-tax-benefits-for-health-savings-account-participants-under-the-one-big-beautiful-bill

Where are stocks headed, up or down? Are we at risk for a Crypto Winter? Will the AI Bubble pop, dragging the economy down with it? What will be hot? Will be a problem? How can we best protect our wealth, while also leaning into performance? All this and more in my new 2026 Crystal Ball report.

Email info@JoinNataliePace.com with VIDEOCON in the subject line if you'd like to join me live at my next conference.

I include a lot of links to blogs, where you can learn more on each topic, in the...

Day 1: Overview of the program. Mantra: Love.Week One: A Cleansing Week. Getting Rid of the Old Crap. Learning the Spiritual Wisdom of the Masters. This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and mindset...

Day 2: Breathe.Week One: A Cleansing Week. Getting Rid of the Old Crap. Learning the Spiritual Wisdom of the Masters. This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and mindset, it is a good idea...

Day 3: Gratitude.Week One: A Cleansing Week. Getting Rid of the Old Crap. Learning the Spiritual Wisdom of the Masters. This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and mindset, it is a good idea...

Day 4: Forgiveness.Week One: A Cleansing Week. Getting Rid of the Old Crap. Learning the Spiritual Wisdom of the Masters. This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and mindset, it is a good idea...

Day 5: Wisdom. The Fire Ritual.Week One: A Cleansing Week. Getting Rid of the Old Crap. Learning the Spiritual Wisdom of the Masters. This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and mindset, it is...

Day 6: Practice. Exercise.Week One: A Cleansing Week. Getting Rid of the Old Crap. Learning the Spiritual Wisdom of the Masters. This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and mindset, it is a good...

Day 7: Abundance. Donate an hour of your time.Week One: A Cleansing Week. Getting Rid of the Old Crap. Learning the Spiritual Wisdom of the Masters. This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and...

This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and mindset, it is a good idea to follow-up with The Gratitude Game audiobook, which also includes daily actions to reinforce the mindset, while improving the skillset. <...

Day 9: Vision. Week Two: Exercising Good Fiscal, Physical, Mental and Emotional Habits.This is a free gift. Share freely with others!21 days to a healthier, wealthier, more beautiful you. It's a great way to start the year. This series works best when we listen/watch the videoconference 1st thing in the morning, and then keep the mantra and recommended actions top of mind all day long. It is designed to be done daily for 21 days in a row. After completing the 21 days of mantras and mindset, it is a good idea to follow-up with The Gratitude Game audiobook, which...