UPDATE April 25, 2023 – Ed Dowd Says “WAR IS COMING”, RFK Jr. Says the US is a “Kleptocracy”, Financial Collapse and the Secrets of Money

“Banking is necessary. Banks are not.” — Bill Gates

Update April 26, 2026

Ed Dowd says “War is coming”. Wall street analyst Ed Dowd is interviewed by Steve Bannon, telling us the recession will be coming, a “hard landing” in the 3rd to 4th Quarter. That “giant liquidity sucking sound” is the Fed, which is now the Money Market in the form of reverse repo’s: M2 YoY Growth Goes Negative For Only Fifth Time Since 1868, @EdwardDowd Explains

Update April 24, 2023

Tucker Carlson OUT at Fox, RFK Jr. “Kleptocracy Interview” Reveals Too Much TRUTH! See 4/22/2023 Update Below for Tucker’s last big interview with RFK Jr. while at Fox.

Update April 22, 2023

“RFK Jr. On Tucker Carlson – “US a Corporate-State Kleptocracy”

Update April 8, 2023:

How The Banks Work And Why They Are Collapsing. The sordid history of the criminal banking cartel, by Greg Reese via Banned.video (6:24 minutes)


  • What is Usury? What is an excessive rate of interest?
  • Fiat money, printing money out of thin air
  • Fractional Reserve Banking a ponzi scheme
  • New money is created out of thin air when someone borrows money from the bank.
  • Federal Reserve Act of 1913. Inflate until implosion.
  • Banking Act of 1933, removed the gold standard
  • Bretton Woods, US Dollar became the reserve currency
  • Gold window closed. US Military: Guns for hire. Petrodollar
  • Reset. How? Banking cartel will try to convert everyone to a Central Bank Digital Currency. (CBDC)
  • “Let the big banks die, and create a banking system that serves the people” – Greg Reese

April 5, 2023 (Originally Published)

This post will inform you, a typical working class man or woman, on everything you need to know about “Banking and Money” and why our financial system and the U.S. Dollar appear to be collapsing. As you read it, remember that everything is a rich man’s trick.

In our debt-based monetary system all Dollars are borrowed into existence from the commercial Federal Reserve banking system and all of it bears interest.

Credit (and conversely debt) needs constant flow. For the first time since the 1930’s, M2 money supply has contracted:

M2 consists of M1 plus (1) small-denomination time deposits (time deposits in amounts of less than $100,000) less IRA and Keogh balances at depository institutions; and (2) balances in retail MMFs less IRA and Keogh balances at MMFs. (Federal Reserve)

Money as we know it today is created out of thin air at the press of a keystroke on a computer somewhere. Some of it is printed so you can see it’s real, but it isn’t really “money”. The money in your checking account was previously borrowed by someone else. That person probably bought a car or a house, and the money was borrowed into existence.

All money was and is someone else’s debt. Anyone that’s been cursed with a degree in finance knows this, and this is where financial “magic” comes in to play. It will all make your head spin.

Gold and Silver used to be “money” and millenials will soon realize that back in the good old days, freedom meant being able to work on the family farm or start a small business. Money was very simple.

Are we really a nation based on freedom and a Bill of Rights?

To see how far we’ve distorted the definition of “money” consider the fact that only the boomers will remember the clanging silver dollars and ringing bells when slot machines hit the jackpot, and only the really old boomers will remember what it meant to be free, or so they thought.

Have we ever been really free or is everyone confined to perpetual corporate slavehood and a war economy? Prior to 1913, the United States used gold and silver for money. We should say the United States was allowed to use gold and silver as money for as long as the country could finance its growth, which was limited by the scarcity of “money” and the speed at which it could be mined. The same rule applied to oil. Today real economic growth is an illusion in the form of magic tricks known as securitization and derivatives along with the rocket-fuel called leverage.

All Money Coagulates at the “Top”. The big get bigger and ultimately, they own everything. The richest 42 people in the world hold more wealth than the bottom 50% or nearly 4 billion people. The stock market goes up and it goes down. It doesn’t matter because heads or tails they win. It’s all part of the game in the big casino.

If this money thing is all just a game, the guy with the biggest pile of chips at the end of the game is the winner. If he also controls the energy, water and food the other 8 billion people in the world need to consume, it’s game over.

Are banks necessary?

Before we answer that question, let’s first understand what we use banks for in the first place. We borrow money from them. That’s it in a nutshell. Sure, we use them to make deposits into checking or savings accounts, but that’s not what banks must do in a debt-based monetary system, and that the fact is they must be able to lend you the money that you deposited with them in the first place. Think about that for a minute.

Silicon Valley Bank was declared insolvent and had over $190 billion in uninsured deposits that were made whole by a bailout funded by the very same banking system that’s insolvent. Nearly 200 banks have been shown to be in the same condition according to a study published after SVB failed:

There are 186 banks across the country that could fail if half of their depositors quickly withdraw their funds, a new study published on the Social Science Research Network found. Even insured depositors — those with $250,000 or less in the bank — could have problems getting their cash if these institutions face the sort of run that SVB saw a week ago.

New York Post

What if the guy with the chips and control of everything you need to exist decides he doesn’t want to sustain your need to borrow money any longer? What if you are non-essential in the New World Order?

Who owns the debt of the United States government? Do we need a banking system that owns us? NO.

Do we need banks that finance the development of small businesses and private lending at a local level? Absolutely!

Who owns the debt of the U.S. Government?


The debts racked up by Congress over the last 40 years will never be repaid, only refinanced. The U.S. national debt is nearly $32 trillion dollars. After over 40 years of declining interest rates since the last inflationary boom of the 1970’s, rates are “normalizing”.

Perhaps the best analogy of the current predicament the Fed finds itself in would be that of the Credit Card offers you get in the mail. The issuer of the card entices you with an introductory rate of zero percent for the first six months, and if you take the offer you max-out the card by racking up thousands of dollars buying shit you don’t need only to have the interest rate “normalize” to 29% six months later. Not only couldn’t you afford to borrow and repay the loan in the first place, you lose your job, the house, the cars and find yourself living in a van down by the river. It’s not your fault.

Another example would be using a special introductory rate of 0% finance our endless wars. The National Defense Authorization Act of 2017 requires the Secretary of Defense to post the costs to each United States taxpayer of each of the wars in Afghanistan, Iraq and Syria.

As you can see below, you the taxpayer borrowed $7,623 to fund these wars. What’s worse, you’ll be paying interest on this loan forever, it will never be “repaid”. At 10% you’ll pay $762 per year in interest and you’ll pay interest at whatever rate the Fed says it needs to be to keep inflation at 2%. They are giving it to you right up the caboose right here, right now.

Below is the 10 Year Treasury Rate – 54 Year Historical Chart. The break of the 40 year red trendline shown below illustrates how rates began to “normalize”, just as the Covid-19 virus escaped from the lab

None of this makes any sense unless you remember that it’s all about the war on oil and energy and the New World Order’s Agenda 2030 scheme. The “climate-change” war is entirely about controlling energy, food and water. “They” call it “sustainability” and we call it tyranny.

Currently, after 40 years of declining interest rates and a national debt that’s grown from $1 trillion in 1982 to $32 trillion today, the Federal Reserve has reached terminal velocity by printing to keep up with Congress’s largesse. The Fed now has $9 trillion on its balance sheet, and most of it was added after the 2008 financial crisis.

Interest on the national debt continues to increase as public debt increases. The interest is addressed with a percentage of the federal budget. The rising interest on national debt has an impact on U.S. citizens because it takes away from other programs and threatens Social Security program funding. What’s not talked about, at least not yet, is the impact this will have on all sorts of retirement accounts, including public employee pensions such as Calpers.

Charts 1 and 2 plot the par and market values of U.S. government debt and U.S. government debt as a percent of GDP. This should be of great concern to pension fund managers and insurance companies, and it is. We shall see how far “market value” can fall before the house of cards falls, but it’s coming.

Even worse, All money is debt with interest. It was all borrowed into existence from the private Federal Reserve central banking system. What isn’t normal is the debt that’s been racked up over the last 22 years since the 9/11 terrorist attacks and subsequent wars in Iraq, Afghanistan and Syria. The “War on Terror” has cost each taxpayer $7,621 while the national debt has gone from approximately $5 trillion in 2001 to $32 trillion today.

Collapse is a planned process not an event and the dominoes are beginning to fall on the U.S. Dollar, but the Dollar will survive, and it may ultimately become stronger than ever before when compared to other currencies such as the Yuan.

What is money? It’s all digital and it can go poof at any time. If it did, would the physical world around you change? No, money and debt are all figments of your imagination. When “physical cash” goes away, you’ll realize it’s only 1’s and 0’s on a cloud server. Then ask yourself, who says you can or can’t have some? It’s easy to program how much you’ll get in a world of “Central Bank Digital Currencies” and “The Great Reset”. Just remember, you didn’t vote for any of this.

What Is a Triple Top?

According to Investopedia, the triple top is a type of chart pattern used in technical analysis to predict the reversal in the movement of an asset’s price. Consisting of three peaks, a triple top signals that the asset may no longer be rallying, and that lower prices may be on the way.

Special Considerations for a Triple Top

As with double tops and bottoms, the risk/reward ratio is a drawback of these triple patterns. Since both the stop loss and target are based on the height of the pattern, they are roughly equal. Patterns in which the potential profit is greater than the risk are preferred by most professional traders.

When gold hits the $2,050 range, as it’s doing right now, will it collapse or will the next stop be $2,500 per ounce?

We’ll see in the next few weeks, but until then, please listen to the following video and don’t worry. Debt is just a figment of your imagination and over 100 years of financial magic. Stay tuned.

April 5th City Council Meeting Video begins at 31:06

Mayor Bruen responds to my comments and for my response to the Mayor’s comments skip forward to 1:17:00.

References and Notes:

ESG (Environmental, Social, Governance):


Medical ID:


Tracking (PlacerAI?)


Big Banks – Withdrawals


Victor Davis Hanson: Our French Revolution


Tucker Carlson sounds alarm over de-dollarization, April 5, 2023



  1. We are at war, who is our enemy?
  2. The dollar is being abandoned globally.
  3. We are on the verge of global deflationary depression.
  4. Many banks are technically insolvent, 186 according to one study.
  5. Medical Industrial Complex is still promoting the deadly and injurious mRNA jab. ~300,000 Americans dead.
  6. Food Processing facilities – explosions and fires number over 100 thus far.
  7. Other industrial sabotage – Mexican oil refineries, toxic trainwrecks, the Greatest Environmental Disaster OAT.
  8. Strategic Oil reserves depleted, some or most sold to China. Seriously?
  9. Weapons stocks depleted – $180 Billion to Ukraine, $85 Billion equipment left in Afghanistan
  10. Satanism, Trangenderism, Violence, Mass Formation psychosis. See Maturango Mystic Exhibit for example.
  11. World Economic Forum, The Great Reset, CBDC. The end of the Dollar as the world’s reserve currency.
  12. The person pictured above is Klaus Schwab. He wants to destroy humanity.


Glenn Beck Issues A Grave Warning

Glenn Beck is correct, the financial collapse is just beginning. I’ve been warning about this “collapse” since Nixon closed the gold window. Anyone that knows me will tell you this. Physical gold and silver is good money. Debt backed monetary systems are a whole ‘nuther thing, especially when “they” go to a Central Banking Digital Currency, and you will not be free no matter how much “money” you have.

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