Negative interest rates can be bad for you. It means you have to pay to store your money. It also means the bank may face severe financial trouble that leads them to go out of business.

The banks have insurance to deal with such an event, but the deposit insurance will be useless if the problem is too big. Unfortunately, many people fail to understand this and assume they will be saved without any negative consequences. However, we're in unexplored territory and don't know how it will affect us.

Many retail investors are buying stocks using Apps like Robinhood. While billionaires like Warren exit stocks, normal people believe they are smarter than the pros or trading bots. 

Investment firms use high-frequency trading to beat the average investor. Then the same firms are front-running retail Robinhood investors. In simple terms, it means their data tells them what retail investors are doing so they can take advantage of them.

Despite the world we live in of record unemployment, health crisis, and protests, stock markets are beating record highs. It could be a disaster waiting to happen.

Another Iconic billionaire investor, George Soros, called the stock market a bubble. "investors are in a bubble fueled by Fed liquidity," he says. Either businesses haven't been affected by the health crisis, or we are seeing a bubble that's about to pop.

Free money is given away through economic stimulus, but the large amounts of money printed mean the velocity of money are down (how many times one dollar passes through many people's hands.) When large amounts of money are created but not spent, when that money eventually is spent, it can lead to large amounts of inflation that devalue the money you've worked for. 

What you can do about the change in how money now functions is to be cautious in the short term with your money and investing in assets.

Warren Buffet is considered the most successful investor in history, making it worth listening to him.

Buffet said these two lines:

“The [US] debt isn’t going to be repaid; it’s going to be refunded.”

“You better own something other than debt.”

He explained that the government keeps on printing money to pay their own debt. However, we need to understand what it means for our investments, assets and savings.