Greenback Talk

Exposing Economic MisconceptionsDuring my recent journey to the Gulf of America, I discovered a stark contrast between what is being discussed on social media and the reality on the ground. There is a narrative—often promoted by Democrats and vocal personalities on platforms like LinkedIn—that paints a picture of economic doom and gloom. However, when you ask these individuals whether they possess firsthand knowledge about the variety of economies within the United States, you quickly realize they do not. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Building a Net Worth: Economic Insights from Across AmericaAre You Ready to Buy?In this informative newsletter, I highlight the spending habits of our dedicated blue-collar workers. By observing firsthand how these hardworking Americans manage their finances, I aim to provide a realistic perspective on the current economic landscape.Exposing Economic MisconceptionsDuring my recent journey to the Gulf of America, I discovered a stark contrast between what is being discussed on social media and the reality on the ground. There is a narrative—often promoted by Democrats and vocal personalities on platforms like LinkedIn—that paints a picture of economic doom and gloom. However, when you ask these individuals whether they possess firsthand knowledge about the variety of economies within the United States, you quickly realize they do not.First-Hand Economic ObservationsMy travels across different regions of the country continue to expand, providing me with genuine insights into local economies. Contrary to the negative outlooks being spread, I am witnessing significant consumer spending. This is a sign that the economy is more robust than many critics would have you believe. Democrats should take note—people are actively spending money.Stay InformedTo receive ongoing insights and updates from my economic travels, be sure to subscribe and follow. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

The Tax Cuts and Job Act and Like-Kind ExchangesUnder section 1031 of the Internal Revenue Code, the owner of real property can sell that property and then reinvest the proceeds in a “like-kind” property and defer paying any capital gains taxes. To qualify as “like-kind,” the exchange must be done according to the rules in the tax code; it doesn’t mean the investor has to replace an apartment building with an apartment building, etc.Investors can reap significant tax benefits by taking advantage of the 1031 exchange, and in some areas, it’s considered one of the best-kept secrets in the Internal Revenue Code. A properly structured exchange can provide investors with the opportunity to defer all of their capital gains taxes. This results in an essentially interest-free, no-term loan from the government. Instead of paying the taxes now, the investor can put those dollars to work on other investment properties. This type of investment is most similar to rolling over funds from one IRA into another.The Tax Cuts and Jobs Act retained the ability for investors to perform like-kind exchanges (1031 tax-deferred exchanges) and defer paying capital gains taxes on sale proceeds. Lost, however, was the ability to exchange any type of personal property, such as farm equipment.Transfer of Tax Exemption for VeteransThe 2020 Florida legislative session saw two important updates to property tax laws, specifically geared toward military members and their families. The first law, House Bill 1249, effective July 1, 2020, applies to:* Totally and permanently disabled veterans* The surviving spouses of totally and permanently disabled veteransThe law allows qualifying veterans and their surviving spouses to receive a refund of certain property taxes paid on a new homestead property that they acquire between January 1 and November 1 of a given tax year. To qualify, they must have received a similar homestead tax exemption on another property in the same tax year.Property Tax Credit for Military SpousesAlong the same vein, House Joint Resolution 877, effective January 1, 2020, allows a homestead property tax discount for a disabled veteran to be transferred to the veteran’s surviving spouse upon the veteran’s death, provided that the veteran had received the discount. In other words, a surviving spouse can’t apply for the discount after the veteran’s death, but if the veteran had already been receiving it, it can be transferred to the surviving spouse.Qualifying veterans must be 65 years of age or older and have a partial or total combat-related disability. Surviving spouses who remarry are ineligible for the homestead exemption transfer.Changes for Homeowner AssociationsFor properties in homeowner associations, the new law:* Permits associations to adopt rules to allow for posting meeting notices and agendas on a website and emailing members meeting notices and agendas* Requires sign-in sheets, voting proxies, ballots, and all other papers related to association voting to be maintained as official records* Makes any information an association obtains in connection to guests visiting homeowners in a gated community confidential* Provides that an amendment to the governing documents that restricts the right to rent a parcel may only be applied prospectively and provides that a change of ownership does not occur for purposes of applying an amendment restricting rental rights when a parcel owner conveys the parcel to an affiliated entity, when beneficial ownership of the parcel does not change, or when an heir becomes a parcel ownerThis means that:* An association may not retroactively restrict the right of an owner to rent out a parcel.* An association may not use the transfer of a parcel from one owner to another to apply a rental prohibition if the owner conveys the parcel to an affiliated entity or an heirClarifies that payment of a fine is due five days after notice of the fine is provided This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

The Fastest Compilation of News and Information Anywhere! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Greenback Talk discusses strategies for retirement to avoid the 401K money trap. Ditch the 401K and learn how to invest properly. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Geopolitical Shifts and Economic ImpactHow Trump is Leading and Winning! Financial Challenges Facing ChinaChina is experiencing significant financial difficulties, largely due to the inability to sell arms and munitions to Iran. This restriction has weakened China’s economic position. Additionally, the loss of access to oil shipments through the Strait of Hormuz has left China vulnerable, as more than 20% of its oil supply comes from this region. With Iran no longer serving as a reliable partner, China finds itself in the most precarious state it has been in decades. The United States has assumed a new role as the gatekeeper of the region, further limiting China’s options.Political and Economic Neutralization of IranIran has been neutralized both politically and financially following the removal of top leadership and the disruption of oil shipments that previously funded terror activities. The recent changes have left Iran isolated and unable to exert its former influence.Venezuela’s Transformation and U.S. InfluenceVenezuela has also been neutralized, primarily due to U.S. control over its oil resources. The recent takeover has severely weakened Venezuela’s monetary influence. With new leadership supervised by the United States, Venezuela is expected to conform to Western monetary policies, further aligning its economy with U.S. and international interests.Cuba’s Dependency and MarginalizationCuba, which receives the majority of its oil from Venezuela, now finds itself at the mercy of the United States. The loss of its connection with Venezuela, and increased dependence on other communist countries, has marginalized Cuba. As a result, Cuba is demanding independence but remains constrained by its economic ties.Global Impact and U.S. LeadershipThe leadership changes in Iran, Cuba, and Venezuela are anticipated to benefit the United States and help protect the world from blackmail and terror attacks. The U.S. has managed to cripple the influence of these four countries—China, Iran, Venezuela, and Cuba—through a doctrine of peace through strength.Reduction in Drug TraffickingDrug trafficking has seen a dramatic decrease, reportedly down by 96%, as a consequence of these geopolitical shifts.Isolation of Major AdversariesRussia, China, Venezuela, and Iran are now isolated and under the control of U.S. leadership, particularly President Trump. This scenario represents a significant change, as these nations had never anticipated such a shift in global power dynamics.Cuba’s Path to IndependenceCuba is expected to become an independent nation in the coming months or years, marking a new chapter in its history.Warning! A Financial Crisis is Lurking This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Standing in the shower, water running down my back, I knew something was wrong. I'm in trouble! With the advancement of artificial intelligence and layoffs upon us, basic income is going to be assessed as an unemployment aide, debt modifier, and globalist weapon to be used against the paycheck worker. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

My Flashback Before Writing This Newsletter.I remember crawling on the carpet, blind from hypotension. Paramedics were panicking about my blood pressure. The story of Greenback Talk. The 401K Money Trap: Important Factors to ConsiderGreenback Talk Podcast “401K Money Trap” explores the various elements that individuals should evaluate when deciding how much to contribute to their 401K retirement accounts. This discussion provides insight into the potential pitfalls and advantages associated with 401K contributions, helping listeners make informed decisions about their retirement savings strategy.Greenback Talk WebsiteConnect on LinkedInConsiderations for Young InvestorsIf you earn $60,000 consistently per year for 20 years, you could accumulate $100,000 in a 401K. That number is dependent upon the investment market returning 8% annually for 15 years, ($107,000). With a 5% return, it would take 20 years to reach $100,000. During that time, inflation, COLA, geopolitics, and other variables must be factored in.For young people just starting to manage their finances ($45,000 annual salary), it would require consistent 3% or $1,350 per year of contributions for 25 years. This is a numbers and years game. Incomes, life occurrences, rate changes, and market fluctuations must be taken into consideration. $45,000 - $48,575 standard taxes = $30,000 net minus $1,350 = $28,650 net.Your net income is $28,650 / 52 weeks = $550.97Next Tiered SalaryIf and when your salary reaches a higher tax status ($85,000 and higher), contributing to a 401K may prove beneficial. This also depends on positive positioning and market moves for the next 20 - 25 years. The additional $112.50 per week may be needed today, not in a 401K. it’s important to weigh the reasons why investing in a 401(k) at an early age might not always be the best decision. One significant deterrent is that putting money into a 401(k) can reduce your immediate spending power and limit your access to cash. Maintaining liquidity is crucial, as having readily available cash can provide flexibility for opportunities or emergencies.Alternative Approaches to Building WealthYou can benefit yourself by exploring other investment options and focusing on building assets and increasing your net worth. Developing a strategy for investing and asset accumulation early can lay a strong foundation for future financial security.Resources and RecommendationsFor more information, consider listening to the “Greenback Talk” podcast. Additionally, check out the Twitch channel for engaging and informative content on financial topics.Managing Income and SpendingWhen you start earning money, it’s easy to fall into the habit of spending freely. However, it’s important to manage your cash wisely rather than treating it as something to be spent without thought. By planning carefully, you can begin investing in accessible options like mutual funds. Building up a cash reserve first is essential before committing to longer-term investments.The Importance of Time ManagementUltimately, effective financial planning also involves managing your time wisely, ensuring you’re prepared to make strategic investment decisions as opportunities arise.Greenback Talk WebsiteConnect on LinkedIn This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

White House economic advisor Kevin Hassett said Wednesday that the authors of a New York Fed paper that found U.S. companies and consumers are shouldering most of the tariff burden should be “disciplined.” The paper in question concluded that 90% of the tariff burden is being shouldered domestically. “Prices have gone down. Inflation is down over time. Import prices dropped a lot in the first half of the year, that leveled off, and real wages were up $1,400 on average last year, which means that consumers were made better off by the tariffs,” he said.Gold Standard and SpendingSince the United States abandoned the gold standard in 1971, the value of the dollar has not been tied to gold. Despite this, the dollar has continued to serve as the cornerstone of the international monetary system. The absence of a gold-backed currency has shaped global financial dynamics and reinforced the dollar’s dominance.Understanding the Reserve CurrencyThe reserve currency plays a pivotal role in international trade and financial stability. Today, the world relies heavily on the U.S. dollar—often referred to as “Greenbacks”—as the primary reserve currency. This reliance means that the majority of global transactions and reserves are denominated in U.S. dollars, linking the financial health of many nations to the stability and strength of the dollar.With most of the wealth secured in stocks, real estate, and options, the interconnected must develop a new method of financial control, without leveraging their stock options, real estate portfolios, and capital gains tax status.Has a woman ever been pictured on U.S. currency? Martha Washington is the only woman whose portrait has appeared on a U.S. currency note. It appeared on the face of the $1 Silver Certificate of 1886 and 1891, and the back of the $1 Silver Certificate of 1896.What is “Checkbook” currency?At one time, private bindery companies would bind genuine currency notes in a “checkbook” fashion to be torn out as needed. However, BEP does not offer currency as a bound product. To acquire such an item, it is suggested that you acquire new currency notes from a bank and locate a bindery company capable of providing such a service. Such companies can be located on the internet or in your local telephone directory under the headings for “printers” and “bookbinders.”1876Congress passes an appropriation bill that directs the Internal Revenue Service to procure stamps engraved and printed at the Bureau of Engraving and Printing – provided costs do not exceed that of private firms. As a result, BEP begins producing almost all revenue stamps in fiscal year 1878. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

The rocket is on the pad, the engines are firing, and the tower gives the signal that all systems are a go for liftoff! A Fed Governor shared his thoughts on interest rates as he broke away from Fed Chair, Jerome Powell, showing his support for an interest cut. If interest rates were to be adjusted to 1% would you be ready to buy a home? This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Greenback Talk is a dynamic financial news and coaching platform designed to support individuals seeking greater financial stability. This comprehensive platform provides finance coaching, expert real estate advice, engaging newsletters, and insightful podcasts, all tailored for people living paycheck to paycheck.Greenback Talk aims to equip users with the knowledge and strategies needed to achieve a healthier lifestyle, along with a sense of freedom and security. Through its website, newsletters, and podcasts, Greenback Talk covers a wide range of essential topics for workers striving to break free from the cycle of paycheck poverty.Starting Over: Navigating Career Change After AI DisplacementThe Impact of Artificial Intelligence on EmploymentArtificial intelligence has replaced your job. Faced with this reality, you’re forced to consider your next steps. Should you reach out to a life insurance company and embark on a new career path?A Glimpse Into the Life of an Insurance SalespersonTo explore this option, you peek into the daily life of an insurance salesperson. The experience begins with a Zoom call, where the presenter positions themselves as a successful entrepreneur. However, upon closer inspection, the details reveal something more troubling. This deceptive setup is not one that many people can easily adapt to when their AI stole their job.During the call, you learn you must buy your own leads at a cost ranging from $500 to $2,000 per month. Your new boss will also deduct 20% from your commissions as a referral payment until a certain cap is reached.If AI stole your job, would you go door-to-door to sell life insurance? This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

The Shift from Paycheck Workers to Wealthy InvestorsWall Street has shifted its focus away from supporting paycheck-workers, prioritizing the interests of wealthy investors instead. This transition has left average workers, who rely on their regular income, facing persistent financial challenges. Living paycheck to paycheck, many struggle to cover basic expenses and pay their bills.Meanwhile, corporations, affluent families, and politicians have increasingly turned to stock market investments as a means to expand their wealth. Their ability to invest and generate substantial returns stands in stark contrast to the financial difficulties experienced by the average worker, highlighting a growing disparity in economic opportunity and prosperity.Our MissionWe aim to help our audience build a net worth living paycheck to paycheck and achieve greater financial stability through accessible and practical means.How We Reach YouTo ensure our resources are easily available and engaging, Greenback Talk connects with its community through a variety of platforms:* Newsletter: Regular updates delivered directly to your inbox, featuring tips and strategies for financial growth.* Podcast: From Poverty to Investor. Conversations and expert insights designed to educate and inspire listeners.* Substack: In-depth articles and commentary on personal finance topics.* eBook: Comprehensive guides for those seeking to deepen their understanding of building wealth and ending paycheck poverty. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Middle East Market Summary for 1-16-26 Serbia looks to sell sanctioned Russian-owned company NIS.  Belgrade protects energy security that belongs to Russia state owned company with the help of the UAE and Serbian people.The Middle Corridor – Connecting Europe and Asia through energy. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

This is a free preview of a paid episode. To hear more, visit richdelivers.substack.com

The Top 10 cities for real estate in 2026. Why you might have to move to build a net worth. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Is College a Ponzi scheme?High tuition costs, dormitory, irrelevant subjects, food and unemployment equal a waste of time for majority of college students. Most companies don’t require a college degree; they want applicable skills to do the job. Foreign students have skills and work for lower wages driving down salaries. The colleges know this and are profiting hand over fist knowing the subject matter is worthless, driving fear of capitalism and declaring socialism and immigration is the answer.New York City Wants Ivy LeaguersIf Halin wants affordable housing and Socialism, he and other college graduates should move to New York City after January 1, 2026, and apply for Mayor Mamdani’s socialist policies. Blame vs Reality…Blame it All on TrumpHalin Haley brags about going to an elite school but graduated without any skills to purchase a home. He says most college graduates from Ivy League Schools can’t afford life in America. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Remember, you’re living paycheck to paycheck. Your goal is to one day use The Wealthy Person’s Method. Once you have saved a few greenbacks you’re ready to take the first step to rebirth your financial life. To build a net worth living paycheck to paycheck requires strong discipline. Every penny, whoops, they don’t make pennies anymore. Every nickel counts. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

The origin of money takes you on a historical journey. From the early days to present-day America. The Origin of Money will help you learn about the greatest currency ever created, the Greenback, our reserve currency that controls global trade.Inside each edition is information about currencies, trade, historical values, governments, statutes and laws, certificates, notes, stamps, monetary systems, and much more in each edition of the Origin of Money. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

Greenback Talk - The Origin of Money. Why the color green? How much does a dollar weigh? What is the BEP? What is the Mint? How strong is the paper? What's the largest denomination used? Know the basics about the greenback, the world's reserve currency. We'll dive into historical data and begin the series to help you understand the value and importance of the almighty greenback. Greenback Talk - Build a net worth living paycheck to paycheck. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

This is a free preview of a paid episode. To hear more, visit richdelivers.substack.comBuild a net worth living paycheck to paycheck. How the Democrat government shutdown committee finds a way to blame Trump, soybean and beef news, Democrats state millions of kids don't have access to healthcare, HUD and real estate, George Santos and Todd Chrisley perspectives, and my take on politics.

Rebirth your financial freedom by building a net worth, living paycheck to paycheck. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe

BRICS is Advancing a New Payment SystemTo build a new reserve currency and convince cross-border countries to dump the dollar, a new banking system must be developed, and a collateral currency protection mode must be in place. BRICS and other nations are buying large quantities of gold to secure their new payment systems and put pressure on Greenbacks.An International ConstitutionBRICS, OPEC+, the United Nations, and rogue countries are inviting uncivilized countries to join their membership to expand their footprint on global markets. An international Constitution is in the works to protect BRICS, OPEC+, the United Nations, and rogue third-world countries from U.S. retaliation. Members wanting to break free of the Greenback will adopt the Constitution.Some members of BRICS cannot trade in dollars. Their need for cross-border trade is at an all-time high. They want to use individual currencies and eliminate the dollar for all purchases, especially oil. For this to happen, a new banking system must be constructed outside of SWIFT. Collateralized monetary denominations, backed by gold, must be in place. Written agreements that do not use or support the Greenback could be drafted in an international Constitution.SWIFT vs SPSFThe world trades in petrol dollars. What if the SWIFT banking system gets an override from SPSF, CIPS, Pix, or UPI? The BRICS payment systems are led by Putin, and they’re gearing up for an assault on the Greenback. BRICS, OPEC+, the United Nations, and rogue countries want an end to monetary sanctions the United States controls thanks to our reserve currency status.BRICSChina is developing a navy and threatening Taiwan, Russia is taking control of Ukraine, India is partnering with Russia and China out of fear of retaliation and geopolitical location, Brazil is buying energy from BRICS, and asking Trump to minimize the tariffs, and preparing for the climate change hoax summit.CryptocurrenciesBitcoin is forecast to reach one million dollars in the coming years. When this happens, it will be cryptocurrency reigning supreme or a devalued dollar that will be worth very little. This is when regulations and taxes on cryptocurrencies marched to the front and center in D.C.Cryptocurrency could skyrocket. Cryptocurrency doesn’t have wire deadlines. The downside, the type of crypto in your wallet could be worth the same as your paper dollar; worthless. What a fun game of espionage BRICS and D.C. have played with our tax dollars.DebtThe United States recently crossed the $37,000,000,000,000 (37 trillion) dollar threshold. There are not many voices in Washington concerned that the debt has surpassed our defense and entitlement spending.Inflation Has Cooled vs the Staggering DebtInflation has cooled, the tariffs are funding the WIC program, but the Democrat led shutdown is showcasing why a new reserve currency may be wanted or desired by many countries. Non-capitalistic nations want consolidated power more than California Democrats proposing gerrymandering on the north-eastern boundaries of the state. BRICS, OPEC+, and rogue nations do not hold our beliefs, Constitutional rights, freedoms, and faith. This is the danger zone for Americans.BitcoinBitcoin and other cryptocurrencies are making a huge impact on the markets and how goods are bought and sold. Decentralized currencies hold tremendous value. If you can afford to buy cryptocurrencies and/or choose the right crypto to own, you can avoid a catastrophic financial event.Build a Net Worth Living Paycheck to PaycheckWhen the dollar collapses and an international incident breaks out, you must have liquid collateral or bartering collateral to stay afloat. This could alter the strength the dollar has on trading markets and could open the door for BRICS to advance its currency technology.California Gubernatorial (Governor) RaceThe candidates for California Governor have similar answers and perspectives. I’m anti-Trump, Trump is a fascist, gerrymandering is ok, blame Texas, and our taxpayer dollars are being stolen by Trump. California Democrats want to consolidate power and leave any Republican living in the state without representation in D.C.Subscribe. Share. Follow. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit richdelivers.substack.com/subscribe