Hi Reader,
👋 Welcome
Every week someone quietly admits:
“Yvonne… I don’t understand the economy — so I don’t understand crypto either.”
And honestly?
You’re not meant to.
No one teaches us this stuff.
“Macro-economics” sounds like something academics argue about in glass buildings.
But in real life?
Macro simply means:
“What’s happening out there that trickles down into your everyday decisions?”
- Interest rates.
- Inflation
- Money Creation
- Confidence
- Debt
- Savings
- Mortgages
- Prices in the shops
- Currencies
- Jobs
It sounds big and confusing at times… but it affects you in tiny, human ways:
- why your food shop costs more
- why savings feel weaker
- why everything feels “just a bit tighter”
- why markets behave strangely
- why headlines feel chaotic
- why pensions feel less reliable
- why money doesn’t stretch like it used to
You’re not confused — you’re underinformed.
And that’s not your fault.
So this week, think of this newsletter as Macro for Humans — a calm, plain-English explanation of the world behind your money.
Not everything.
Just some bits that matter.
🧠Market Clarity - What Macro REALLY means in plain English
Here’s my favourite definition:
Macro is simply the mood of the financial world.
When governments, markets, banks, businesses and people feel confident → money moves faster.
When they feel cautious → money slows, markets wobble, and everything feels heavier.
Let’s break down the pieces without jargon:
1️⃣ Money Creation (a.k.a. “money printing”)
Money isn’t printed — it’s created when banks lend and governments intervene.
When too much is created too fast → prices rise.
When money creation slows → people feel squeezed.
2️⃣ Inflation
Not “prices going up.”
Inflation is your money buying less.
A basket of groceries isn’t expensive — your money is weakened.
3️⃣ Velocity of Money
This is simply: How quickly money changes hands.
If people stop spending because things feel uncertain, velocity slows — and the whole economy feels stuck. Anyone noticed this recently???
4️⃣ Debt Cycles
Governments, businesses, households… everyone borrows.
When debts grow faster than productivity?
Something has to give.
5️⃣ Confidence
People think the economy runs on maths.
It actually runs on feelings.
Confidence is the real engine.
🪞 Macro lesson:
You don’t need to understand everything.
But seeing the big picture helps you understand why:
- markets rise when nothing “good” happened
- prices fall when nothing “bad” happened
- fear spreads fast
- and calm becomes a superpower
Macro isn’t scary once someone explains it gently.
💭Mindset Shift - Raoul Pal "Don't F*ck it Up"
One of the clearest macro thinkers alive, Raoul Pal, says something refreshingly simple:
“Your job is simple: don’t f*ck it up.”
He’s not being rude.
He’s being kind.
Because what he really means is:
- You don’t need to predict the future.
- You don’t need to understand every formula.
- You just need to avoid obvious danger.
- And stay in the game long enough to learn.
Macro gives you context, not certainty.
It helps you say:
- “Ah, that makes sense — I won’t panic.”
- “That headline isn’t a crisis — it’s a cycle.”
- “I understand the mood of the world — not just today’s noise.”
Macro sets the weather - Your decisions set your temperature.
🪞Mindset Lesson
You don’t need to be clever.
You just need to be calm and consistent.
🌱 Community Spotlight — Book Club, Academy & Workshops
🎓 Academy (Thursdays 7 pm)
This week:
A calm walkthrough of macro concepts for beginners — interest rates, inflation, money creation and why they matter.
No overwhelm.
Just clarity.
📚 Book Club (Thursdays 2 pm)
December’s Book Club book, The Great Taking, is the perfect follow-on from this newsletter.
Here’s why. It explains — in surprisingly simple terms — why the financial world feels the way it does:
- why your savings feel weaker
- why assets wobble
- why currencies feel unstable
- how ownership really works
- what “custody” means
- why financial power has consolidated
- and why ordinary people feel squeezed
It talks about:
- money creation
- velocity of money
- debt dynamics
- securities
- fungibility
- perpetual futures
- systemic fragility
…without expecting you to be an economist.
And the best part?
I’ll help you understand all of this in three gentle weeks, calmly and without jargon.
You can read the book for free here:
👉 https://thegreattaking.com/
You don’t need to join Book Club to benefit — but joining gives you replays, community, and space to ask every “silly” question. (They’re never silly.)
Join before 30 Nov (tomorrow if you're readining this when it is being sent) and get your first two months free.
👉 https://www.cryptogran.co.uk/book-club
🧩 In-Person Workshops — January 2026
Whilst we have a fully comprehensive overview of the best way to get into crypto, we had the feedback that some of you just want to be in a room and be able to walk through the set up of the systems that enable you to buy, store and sell crypto. We FULLY understand, which is why we have arranged 2 days in January for you to come along and get started...
📍 Underley — 9 January
📍 Kelsick Grammar — 20 January
Hot buffet lunch.
Calm learning.
A safe space to ask the questions you’ve never said aloud.
🎟️ Early Bird £147
👉 https://www.cryptogran.co.uk/getting-started-workshop
✨ Summary — Macro Shapes the World. You Shape Your Response.
Understanding the big picture isn’t about being clever — it’s about feeling calmer, clearer and more confident.
Learn safely.
Invest simply.
Grow steadily.
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Warmly,
Yvonne & The CryptoGran Team
https://cryptogran.co.uk
Helping you crack the code on crypto, one step at a time 💻🧩
Because time is precious, pensions are shrinking, and freedom belongs to all of us.
This course is for educational purposes only and does not constitute financial advice. Please always do your own research.
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