Research Report

The 2026 Financial Autopsy

What Americans crave but can't have — and the multi-billion dollar opportunity behind the gap.

$49
One-time purchase · Instant PDF download · 16 pages

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30-day money-back guarantee. If the report doesn't meet your expectations, email research@berubecapital.com — full refund, no questions asked.

What's Inside

🏠 Housing Gap

Why 86% say homeownership is harder — and who's still buying.

🏥 Healthcare

49% can't afford care. What that means for pharma & insurance.

🔔 Subscription Purge

63% killed a subscription — the control economy.

📉 Retirement

43% of Gen X say it's impossible. The data behind the gap.

👶 Family

3/4 postponed life goals — cost barrier analysis.

💰 Revenue Opportunity

Product matrix for Berube Capital — what to build next.

Payout Infrastructure — How You Get Paid

Wise Business (Recommended)

~1–1.5% total

US bank details → Gumroad pays USD → Wise converts USD → KES → withdraw to Nairobi bank. No LLC needed. M-Pesa withdrawal available.

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PayPal Business

~3–5% + FX

Gumroad → PayPal → Nairobi bank. Works globally, no LLC needed. Higher fees but instant setup if you already have PayPal.

Revenue Projection

StreamPriceMo SalesMo GrossMo Net
Single report$4935$1,715$1,610
Newsletter$29/mo80$2,320$2,080
Audit Toolkit$4925$1,225$1,150
Full Kit$1498$1,192$1,115
Annual sub$249/yr25$6,225$5,725
Total$12,677$11,680

Conservative estimates. No paid ads. Organic traffic from Berube site + LinkedIn.

KRA Compliance

Kenya Digital Services Tax (DST): 3% on gross digital revenue. Register on iTax.kra.go.ke if annual digital revenue exceeds KSh 1M. Wise and Payoneer handle KRA reporting automatically for international payments. Keep records: date, amount, buyer location, product delivered. Budget ~KSh 30K/yr for accountant filing.
Disclaimer. Research report for informational purposes only. Not investment advice. Commodity trading carries substantial risk. Past trends ≠ future results. Revenue projections are estimates, not guarantees. BERUBE CAPITAL LLC is a research firm, not a registered investment advisor.