⤵️ The British Rollover

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Hey there 👋,

Britain isn’t just having a housing slowdown — it’s experiencing a nationwide rollover.

For more than a decade, wages have been stagnant in real terms. Living costs, meanwhile, have surged — many essentials now cost twice what they did ten years ago. Cheap credit papered over the gap for years, letting people borrow their way to the lifestyle they thought they were earning.

That era is over.

Mortgage rates have more than doubled from their pandemic lows, and every month another wave of homeowners rolls off cheap fixed deals and onto rates two or three times higher. The rollover isn’t a one-time crash — it’s a conveyor belt of pain running month after month, each cohort getting hit with payment shocks that siphon billions from the rest of the economy.

When housing payments double, everything else gets cut. Families stop spending. Shops and restaurants go quiet. Small businesses lose customers. And the data is flashing red — Google searches for “help with mortgage” are now at the same level they were during the 2008 crash. Tyler Durden put it bluntly this week: he’s “shaking in his boots,” and he should be.

This is what decline looks like — slow, relentless, mathematical. Britain’s favorite wealth machine is now draining its households. And there’s no quick fix. When homes cost ten times the average salary, the math only works if credit is cheap and confidence is strong. Both are gone. Politicians can offer first-time buyer schemes or tweak taxes, but they can’t reverse fifteen years of wage stagnation and cost inflation overnight. Some are calling this an economic meltdown.

I stopped playing that game years ago. I’ve been earning almost exclusively in USD for over a decade because selling to UK business owners was a nightmare — they didn’t care enough about growth, or they had impossible expectations. US founders valued ROI, paid for performance, and moved quickly, so that’s where I focused my efforts.

Now I’m helping others do the same. Through SellInUSD.com, I’m working with Central European agencies to break out of local pricing traps, package their services for the US market, and earn two to three times more for the same work.

This will be another spin-off company capped at €50K — just five customers a year — as I covered last week. And yes, I’ll be running it with Maciej from LetterOperators.com.

This one’s priced in euros, which I actually love. Between this, my USD-denominated newsletter business, and my GBP-denominated business targeting charities at WhyNot.bot, I now have income streams across three currencies.

That’s more than diversification — it’s true location independence, built-in currency arbitrage, and an antifragile portfolio of small, high-margin businesses, all leveraging AI to scale without adding overhead.

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That’s it for this week, until next time, buy my product and catch me in the community!

Cheers!

Richard (@richardpatey)

Disclaimer: This email is for informational and entertainment purposes only. It is not financial advice, and I am not a licensed investment adviser. I share what I’m doing personally in the digital asset space—always do your own research. Some links may be affiliate links, so assume I may earn a commission if you use them.