Personal Finance Education

Governments dirty little secret revealed. And it's not complicated. How to break habitual reliance on government. Copyright 2021, As The Money Flows, All Rights Reserved

America's welfare problem solved in less than 5 minutes.  It has nothing to do with government.

The Wolf is Wall Street. Finally, this criminal enterprise is being exposed for what it truly is: a casino. And the house never loses, until now. When you learn how much money has been stolen from Americans, it will piss you off in a way you can't begin to imagine.

How to unplug from the dangerous and ridiculous crap happening in US Politics. Stop the mind programming. Also offering a little encouragement to either start or keep thinking for yourself. Recommended resources: Robert David Steele, Catherine Austin Fitt Copyright 2020, Debt Shepherd, All Rights Reserved

Covid is part of an attempted takedown of America. Click below for the video/audio version of this interview. Catherine Austin Fitts Interview James Henry has given permission to copy and repost so long as the interview is not monetized. You can support his work at the Go Fund Me account for the full documentary Planet Lockdown here. With your support, James is hoping to have the full documentary out with the next month. You can find many more great interviews by James for the documentary at his Planet Lockdown and Truth Matters channels at Youtube.

Will you ever make enough money? Do you know who much it really costs each month to live? Why is it taboo to ask someone how much money they make? - Why not knowing the answers to these questions can lead to money misery.

Why do you never seem to get ahead? Whose fault is it? How to change course.

Part 1 of a documentary due to release the summer of 2020. Covid is about big, big money and population control. This is the audio of a video that is free to download and share across all media platforms, per the producer. Click the link below to see the movie, if it's not currently taken down by ScrewYouTube. Plandemic Movie

Walmart is treating people like cattle. Are you a cow?

Will you be able to rebuild the world once it's destroyed?

After the virus you'll be faced with a world you've never seen before. Inspired by Robert Wayne Leath. Why worry about banking in a time like this? When it's burned to the ground and you're standing in the ashes, will you know how and why it happened?  If not, it will repeat itself. What is and what will be.  Bitcoin may rise to prominence.  Get familiar with it now.  Andreas Antonopoulos - aantonop   Resources: Hidden Secrets of Money - Mike Maloney The Creature from Jekyll Island - G. Edward Griffin ITM Trading - Lynette Zang SGT Report  X22 Report Aantonop - YouTube

What is money? It's not what you think.

The mark of the beast explained. Shout out to Rachel and Richard in CA Chinese Social Credit Score aka Chinese Social Credit System The Mark of The Beast The Federal Reserve Bank: 1913 - 105 yrs of slavery FDR, Woodrow Wilson Internet as a weapon   Resources: www.classiccapital.com - Wayne Jett www.debtshepherd.com www.infowars.com   Get Your Mind Straight. Get Your Money Straight. Copyright 2018, Debt Shepherd, All Rights Reserved

Why the gov't can't operate without borrowing money.

What do the 4th of July and getting out of debt have in common?

What do people in power consistently use to keep us divided against each other and why?

Understanding simple math is the key to getting out of debt.   Get Your Mind Straight.  Get Your Money Straight. Copyright 2018, Debt Shepherd, All Rights Reserved

Government employees don't work for you. Just because you pay taxes to the government doesn't mean it's employees "work" for you. Local Gov't - police officers.  Do they work for you?  Try telling them what to do, when to do it, and how to do it.  That's what they tell you. Your taxes pay their salaries, yes.  And you don't pay taxes voluntarily.  You pay them by force of law.  Punishment up to and including incarceration.  That's taxation by force.  They'll take your home and anything else they can legally seize (cash, cars, RV's, etc).   Get Your Mind Straight.  Get Your Money Straight. Copyright 2018, Debt Shepherd, All Rights Reserved

"The less money you have, the more wisely you need to manage it because you don't have as much room for error." - Dave Ramsey

401k contributions.  It's never too late to start.

The story of a single mom coming into her own and fighting for financial independence.

How to increase your financial privacy.

What Would your Grandparents Do, financially speaking?  Were you around them enough, growing up, to remember how they handled their money?

Do your kids have a say in your financial decisions?   Get Your Mind Straight.  Get Your Money Straight. Copyright 2018, Debt Shepherd, All Rights Reserved

Has anything changed in your economy since the election?   Topics: Credit Cards, Student Loans, Consciously raising kids who understand money   Questions: Are we really in a recovery?  If Congress borrowed more money this year than last, and tax revenue is down how are we in a recovery? Get Your Mind Straight.  Get Your Money Straight Copyright 2018 Debt Shepherd, All Rights Reserved

The story of a real estate transaction fiasco and how you can avoid it.

The US government allows HSBC to launder drug money. Here's why.....

Do you take your debts with you when you die?

What are you standing so close to that you no longer see?

Are you pretending to be happy at work and in life?

Who is responsible for your current financial situation?

"Fighting poverty is big business. But who profits most?"   from PovertyInc.org

Let's talk about digital currency and the privacy it gives you, not to mention saving on transaction fees.

Why do we work 8 hrs a day?

Imagine trying to withdraw money from the bank and they don't have it.

Without you the bank wouldn't be in business.

How collections affect your credit scores.

You can't borrower your way out of debt.  There's only one way to get rid of it.  Pay it off. 1) What where do I start? Stop borrowing money.  Send your Visa & Master Card divorce papers. 2) Which debt should I pay off first? Smallest balance first, regardless of interest rate.  Pre-paying neutralizes compounding interest on revolving debts. Take min mo pmt, add 10% of your net pay.  Divide that number into the balance of the debt.  Divide that by 12.  That's how many months until you pay the debt off. Example: $1,000 balance.  $20 min pmt = 50 mo or 4 yrs to payoff.  That doesn't account for revolving interest, which takes longer. $20 min mo pmt plus $60 extra.  $1,000 balance divided by $80 = 12.5 mos to payoff or 1.5 yrs. 3) What about interest rates? They're nothing but rent payments.  Interest paid is rent for the use of someone else's money.  They borrower it at, say .50% and they're lending it to you at 4.5% for house, up to 29% on credit cards.  Who's getting the best deal in that equation?   Closing: Borrowing money is fast and convenient.  Ask why are you doing it your entire life?  When does it stop?   Resource: Piece of paper, something to write with, and calculator. Get in touch.  Podcast page.  email or voicemail button.  Coaching is available. I'm Greg Whitaker reminding you: Get Your Mind Straight.  Get Your Money Straight   Debt Shepherd 2017, All Rights Reserved

What do you spend most of your time thinking about? In this discussion I'll venture to say you spend most of your time thinking about Sex (early age) and then Money (as you mature) and then both. 1) What is sex?  Six = Earthly matters.  666 The number of the beast.  Animal, of the earth.  Division.  A seed fertilizes an egg.  That one cell divides into two, etc.  Two become one then one becomes two.  Look at the number 6.  Freudian representation of male genitalia.  A lower case letter A is the same.  Just a 6 turned to the left.  It's about how much can I get or how much can I give.  Sound like money? 2) What is Money?  The exchange of human energy.  Pieces of paper or numbers in a computer that represent your physical/mental work.  You exchange the paper/numbers in a computer for food, clothing, shelter, etc.  It's all about how much can I get or how much can I give.  Sound like sex? 3) Sex and Money one in the same?  Physical sex is exchange of energy.  Money is exchange of energy. Closing:  Both Sex and Money are of the earth.  Physical.  3D. The point is, slow down.  Take time to reflect on what you reflect on most often.  Awareness is key.  Be the observer as if you're observing yourself having the thoughts.  Practicing this pulls you, temporarily, out of being trapped in your body and worldly thoughts. Resource: You.  Practice meditation.  Simple, quiet time with no distractions.  Teaching the mind to be still. Get in touch.  Podcast page.  email or voicemail button. I'm Greg Whitaker reminding you: Get Your Mind Straight.  Get Your Money Straight Debt Shepherd 2017, All Rights Reserved

The creation, sale, and distribution of human energy. Monopoly - created by law and is enforced by law. For purposes of this discussion, the words money and human energy are one in the same. 1) The Creation of Human Energy - Congress borrowers money from The Federal Reserve.  They make principle/interest payments.  The paper money you hold is the IOU or Congress' promise to The Fed to pay back the debt.  How does The Fed 'make" the money?  An entry into a computer. 2) The Sale of Human Energy - The Federal Reserve decides the price (or interest rate) of money.  They lend it to banks at an interest rate.  The bank lends it to you at a higher rate and makes profit.  Why don't you have access to money closer to the point of creation and therefore a cheaper rate of interest?  Because of the law. 3) The Distribution of Human Energy - The Fed makes it, the bank borrowers it.  The bank lends it to you after they decide if you're worthy of being lent to.  Loan application, SSN, credit scores, collateral, assets, etc.  They either say yes or no. Look at back of your Closing Disclosure.  $100k loan, total paid over life of loan if min pmts made.  Expressed as a dollar amount and percentage.  This is only in the last 12 months.  The old TIL only showed the total dollar amount.   Closing:  If you're the only one who creates, sells, and distributes human energy is it possible you'd develop a God complex somewhere along the way? Why?  You control the population.  This control is global. Resource: debtshepherd.com/078 - Why It's Called a Bank The Creature From Jekyll Island - book   Get in touch.  Podcast page.  email or voicemail button. I'm Greg Whitaker reminding you: Get Your Mind Straight.  Get Your Money Straight Debt Shepherd 2017, All Rights Reserved

How can you know good paycheck if you've never known bad paycheck? As the late Jim Rohn once said, "How can you know good paycheck if you've never known bad paycheck?" 1) Take a trip to the poor side of town. Jim John gave the advice of taking your kids to the poor side of town.  Show them how people who've made different financial decisions live.  Trash in the street, cars up on blocks, yards uncut, houses in disrepair. 2) Why can't you afford it?  Where does the money go?  It goes one dollar at a time on beer, cigarettes, entertainment, fast food, etc. The cost of our habits add up slowly over time.  Financially and physically. 3) Contrast can motivate us to move up, move out or move on. Nothing wrong with your first teenage years job being fast food, for example.  Low pay, hard work.  Teaches you responsibility, promptness, team work, dealing with customers (good/bad), etc. And hopefully motivates you to want to get out of there after a short season.  There's the contrast. By the time you start your first part time job, you should have most of these skills/experiences already instilled in you by your parents. If they did a good job of providing you with contrast, and not protecting you from the world, your first part time job should be a much better experience. Contrast.  If everyone was the same, life would be boring.  But only if we've first experienced everyone being different in the first place. Resource: Jim Rohn Debt Shepherd 2017, All Rights Reserved Get Your Mind Straight.  Get Your Money Straight

The more complicated you make your finances, the more the tyranny of their complexity can rule your life. 1) What you see vs what you think. If it's a mess on the outside, it's a mess on the inside.  House, car, clothes, garage, body, finances.  No different. 2) The un-manifest and the manifest. What hasn't shown up vs what has shown up vs what you think and do they match?  If not, this can cause anxiety. 3) Write down your income vs your expenses. POP your finances.  Put it on paper.  Take what you've been thinking about and force yourself to see it in writing.  Feedback from students on this one. Less bills to pay.  Less moving parts.  Less to worry/think about.  Fewer checks to write.  More money in the bank? Resource: Charles Hugh Smith Get Your Mind Straight.  Get Your Money Straight. Debt Shepherd 2017, All Rights Reserved  

Taking a look at our pay stub and seeing just how much Uncle Sam steals.

We owe this topic idea to Jonar Nader's book: "How to Lose Friends and Infuriate People"   1) What would your workplace be like if you knew everyone's rate of pay? From your co-workers salary to your boss.  To the owner's annual profit.  To bonus' of everyone including upper management.   2) What if you didn't get paid unless the company made a profit each month? Would your attendance improve? Would you be less apt to take a sick day, even though you weren't sick? 3) What if before you got hired, your would be co-workers got to help decide on your hire, rate of pay, and saw your credit scores? Why would these ideas scare you? Why is our income taboo in America? Knowing someone's income seems like seeing them naked for the first time.  Why? Income is social status, zip code, education. It's a measuring device we use to make decisions about people. Resources: bookfinder.com Debt Shepherd 2017, All Rights Reserved

We discuss what are you not willing to give up to change your current financial situation. Debt Shepherd 2017, All Rights Reserved

I talk to the host of Gnosis Cardia on blogtalkradio and we discuss the insidious money cartel known as The Federal Reserve Bank.

We talk about two listener emails and discuss the coaching process.

Change is constant.  Here's three tips to keep you moving your finances in a positive direction.

Your role in changing the cost of health care if you're not happy with what you're paying. http://www.debtshepherd.com

Why a 401k might not be the great investment you've been told.