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MarketRacoon

One money illusion, demolished, every week.

Animated explainers that take apart the money ideas almost everyone gets wrong. Two a week, no jargon, no hype, and an honest turn in both directions.

The deep dives

One money illusion per episode, taken apart properly. Why your bank does not have your money. Why a dividend makes you nothing. Why you pay for your house twice. Contrarian, sourced, and honest about what the evidence does not support.

Explained simply

Baby raccoon takes the ideas everything else is built on and explains them in plain English. Compound interest. Inflation. The stuff nobody sat you down and taught, without the condescension.

Latest episode

You Are the Biggest Risk to Your Own Money

Your risk tolerance is a guess about a stranger: a frightened future version of you that you have never met.

All episodes 9

You Are the Biggest Risk to Your Own Money
Deep dive

You Are the Biggest Risk to Your Own Money

Your risk tolerance is a guess about a stranger: a frightened future version of you that you have never met.

Aug 7, 2026
0% Interest Isn’t Free. Here’s Who Actually Pays.
Deep dive

0% Interest Isn’t Free. Here’s Who Actually Pays.

Nobody is charging you interest, so who is paying for it? Because somebody is.

Aug 4, 2026
Your $400,000 House Will Cost You $860,000
Deep dive

Your $400,000 House Will Cost You $860,000

You buy the house once, then you buy it again in interest. Month one, 83% of your payment never touches the house.

Jul 31, 2026
You Don't Misunderstand Bitcoin. You Misunderstand Money.
Deep dive

You Don't Misunderstand Bitcoin. You Misunderstand Money.

Everyone argues about the price. The price is the least interesting thing about it.

Jul 28, 2026
$700,000 in the Bank. $600,000 Owed?
Deep dive

$700,000 in the Bank. $600,000 Owed?

Your bank balance is not money. It is an IOU. And the bank does not have your money.

Jul 26, 2026
Why Your Generation Buys Toys Instead of Houses
Deep dive

Why Your Generation Buys Toys Instead of Houses

Wages up 7x. Assets up 25x. So you buy the rung you can actually reach.

Jul 22, 2026
Your $1,000 Dividend Made You $0 Richer
Deep dive

Your $1,000 Dividend Made You $0 Richer

$32 billion moved in one morning and nobody got richer. A dividend is not free money.

Jul 19, 2026
Nothing Is Going Up. Your Money Is Going Down.
Deep dive

Nothing Is Going Up. Your Money Is Going Down.

The S&P did x102. Groceries did x6. You are measuring the world with a ruler that is melting.

Jul 15, 2026
The Number That Makes Safe Investments Look Dangerous
Deep dive

The Number That Makes Safe Investments Look Dangerous

Your index fund is officially labelled risk 6 out of 7. Turbulence is not a crash.

Jul 12, 2026
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