Archives For personal finance education

The best money related quote I’ve heard:  “Avoid fiscally irresponsible people. Never marry one or otherwise give him or her access to your money.”

JL Collins.  The Simple Path to Wealth: Your road map to financial independence and a rich, free life

Keep it simple when racking your brain trying to figure out why government takes so long to do anything halfway useful or productive.

Don’t assume they know what they’re doing and that’s why it’s taking so long.  After all, they’re experts right?  Who told you they’re experts?

The reason government takes sweet time providing anything at all is simple.  It doesn’t have to provide excellent customer service.  It doesn’t have to compete in the market place and provide anything at a competitive price.  Why not?  Because it lacks competition.  Government is in the business of eliminating competition, free thinking, and self reliance.  That’s is it’s job security.

The federal gov’t is a for profit corporation.  City, county, and state gov’t are all franchisees of federal gov’t and are all for profits as well.  City, County, and State gov’t all work for the federal gov’t. Not you.

Gov’t is in the business of screwing things up that could work well most of the time if left alone.  Why?  Because it has to struggle to remain relevant in changing times and remain relevant in your life.  Efficiency saves money.  Gov’t is not in the business of saving you money.  If it got efficient and enough folks caught wind of it, said folks would expect lower taxation.  When do you suppose your tax bill will go down?

Asking a gov’t hack to stop taxing you is asking that hack to eliminate his or her job.  Not gonna happen.  Baby needs a new pair of shoes, right?

If you catch on to how stupid, slow and inept gov’t is and how much putting up with it is REALLY costing.  Well, you just might get so pissed that you’d do something about it.  If you had a set of balls.

Gov’t doesn’t want you to know its terrible secret.  The secret is you don’t need it.  The secret is it lies, cheats, and steals as a business model.  Corruption is where big money is made.  There’s plenty of profit in playing fairly for most businesses.  But that’s not enough profit for greedy, illegitimately elected pencil pushers.

Never forget: lying, cheating and stealing is the gov’t business model.  Research your local elected gov’t hack.  Mayor, state representative or governor.  Dig for their profession before and after taking office.  Dig for their net worth before and after taking office.  Who did they marry?  Is politics their family business?  Don’t forget, politics IS a business.  A HUGE one indeed.

As for employees of these corrupt corporations, most are unaware of what’s really going on at the top.  At the top, the job has nothing to do with unselfishly serving people.

Gov’t is supposed to be serving you.  It’s been turned around.  Now you’re the one serving it via taxation.  By the way, the word service is derived from the Latin word servitium, which means servitude, bondage, or slavery.

In the end, we tolerate gov’t for one reason.  We’ve come to rely on it far too much.  We believe it’s not our job to fix things.  The modern welfare state has replaced fathers in homes.  Govt wants it to stay that way, like a big union protecting its workers.  

How do you help change it?  Self reliance.  Learn to be more self reliant in any way possible.  Pick one way for starters.  Do a little bit at a time.  Grow your own vegetables.  Harvest rain water for drinking.  Don’t send your kids to gov’t schools.  Stop taking vaccinations.  Turn off mainstream news.  Give up TV.  Read a book.  A real book with pages.

All things that grow start out as a tiny seed.  They require time, care, and attention.  Just like you do.  Be good to yourself.  Keep that moral compass with you at all times.  Beauty isn’t complicated and it’s not expensive.  Create and share something wonderful with the world.  Go ahead, you can do it.  The rest of us will be right here waiting for you.

Copyright 2021, Debt Shepherd, All Rights Reserved

Having kids should largely be a financial decision. How to solve the welfare problem in America.  (EXPLICIT LANGUAGE WARNING).

Fellas, this one’s for you.

Debts are like children.  You create em.  You have to feed em.  Their life can be a month or 30 yrs.

By creating em, you get something on the front end.  A house, car, clothes, whatever.  You get the thing instantly, no 9 mo. waiting period for it to be born.

With Amazon next day shipping and a credit card, you can create a whole lot of debt children fast.  How many of them you can have is determined by how big your paycheck is.  Paying the bills reminds you how many kids you’ve got.

Ever abandoned a debt child and left someone else with the responsibility?  You decided you didn’t want to honor your contract whatever?  Kinda like getting someone pregnant and walking away leaving others to raise your offspring.  Who picked up the tab for the consequences of your spilled seed?

Walking away from a debt, your price paid might be lower credit scores, collection letters, or foreclosure.

When walking away from a child, the emotional price paid will be realized over time by you, the mother, and the child.  The monetary price society pays is instant and enormous.

Say hello to a part of the modern welfare state. One reason a community may be in shambles?  Single mothers with no dad in the house.  A mother dependent on a welfare check.  A broken family, broken neighborhood, broken city.

The state has become the father of your child.  And you wonder why an abandoned kid becomes part of the system, turns to gangs and crime.  They turn to gangs for safety.  They turn to crime for survival.  Then they fill the prisons and feed the corporate incarceration machine.

That machine isn’t totally to blame.  Its owners are just picking up where you left off.  They’re feeding, clothing, and housing your offspring.  You drained your balls and felt like a man for a few minutes.  Society gets drained of time, effort, and resources for decades.  

Imagine you get a bill in the mail and walk to every house on the block expecting neighbors to pitch in and pay your debt.

They’d tell you to get lost, get a job, and get off their porch.  

If your baby’s mom applies for welfare, your neighbors don’t see it.  It’s quiet.  The taxes they pay are their cost of your irresponsibility.  You get to avoid the embarrassment of begging others to pay your bill.  No need to beg, Uncle Sam’s got your back.

When I was a young man, a box of good condoms was about $12 bucks.  If you’re gonna fuck and don’t want kids,  be a man and spend the $12.  Don’t be a shit head and say, “It’s her responsibility to use protection.”  Don’t assume she’s on the pill. 

My high school civics teacher gave a nice piece of advice to us parting seniors.  He said, “Sex is just an energy.  Channel that energy wisely.”  He was a mormon I think.

My favorite bumper sticker said, “Porn, it’s cheaper than dating.”  It was a cartoon pic of a man holding a box of Kleenex with a big smile on his face.  You’ve got choices.  Think about it.

I’m not here to insult you.  I’m here to speak a bit of truth and offer a little tough love and encouragement.  Every action has consequences.  Some call it karma.

We all have a biological father.  Not all of us have a Dad.  I was lucky enough to have both.  If you don’t raise your children, someone else will.  And if someone else does, you’re opinion of how that turns out doesn’t count.  Unless you’re contributing financially.

Having kids should largely be a financial decision.  If you don’t have the coin, don’t drain your loins.

Copyright 2021, As The Money Flows, All Rights Reserved

Inspired by Robert Wayne Leath.

Corona Virus – First One

Collapse of Banking System – Then Two

After the virus you’ll be faced with a world you’ve never seen before.

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? – 256 DSR

October 28, 2018

What is money? It’s probably not what you think.

Two questions:
What is money?
What is the Fiat money disease?

Quote by John Maynard Keynes, Father of Keynesian Economics

Homework. Look up:
Depository Trust Company
Cede & Company
Stock

Resource:
itmtrading.com

Close:
Check out the podcast page debtshepherd.com if you’re interested in a rapid debt elimination consultation. That’s what leads to coaching. Thanks for listening. I’ll see you in the next episode.

Get Your Mind Straight. Get Your Money Straight.
Copyright 2018, Debt Shepherd, All Rights Reserved

Why the gov’t can’t operate without continuing to borrower money.

Resources:
End The Fed – book
The Creature from Jekyll Island – book
Trump’s Tweets End the Myth of Fed Independence – article

Get Your Mind Straight. Get Your Money Straight.
Copyright 2018, Debt Shepherd, All Rights Reserved

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

4th of July –
America celebrating independence from a tyrannical king. Getting out from under outside control of another nation and person.

Declare Independence from Banks –
I thinks it’s safe to say The 4th of July is an analogy Debt Shepherd can use. Breaking away from the power, control, dependency we have on banks. Not paying rent for the use of someone else’s money (interest) all our lives.

Saving –
I recently heard a speaker say “You can’t save your way to wealth.” That’s true because of the hidden tax of inflation. As time goes by, your dollars have less purchasing power due to rising prices. Rising prices are due to increase in money supply.

Investing –
If saving can’t get you wealth, what can? Investing in something that is getting you a high enough rate of return that not only beats the rate of inflation but then some.

Resources:
Rich Dad Poor Dad (book)
The Creature from Jekyll Island (book)
The ABC’s of Real Estate Investing (book)

Get Your Mind Straight. Get Your Money Straight.
Copyright 2018, Debt Shepherd, All Rights Reserved

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

Disclaimer:
Topic I’ve never covered. You may be offended. Not my intention and this isn’t an apology. It’s a call to rational thinking and intellectual curiosity.

Understanding Division:
Not talking about math. Today it’s about your mindset. Thinking about things that are uncomfortable.

What do people in power consistently use to keep people divided against each other?
Skin color staple for decades in The US. The civil rights act of 1964.
Now it’s anything at all: sex, gender, tolerance: especially if you speak out against Radical Islam or Muslims. Guns. Abortion.

Dinesh D’Souza’s YouTube lecture: D’Souza exposes the secret history of LBJ.
Quite the eye opener.

Why do they want us divided against each other? Very easy. So we won’t see the real reason nothing ever really changes no matter who is in office.

Questions:
What if racism is a smokescreen?
What if the real division among us is financial?
What if the real division among us is class? Class warfare. The essence of class struggle.

They keep us divided against each other to stay in power.
Racism invokes emotion. They want you to vote emotionally, not logically. Emotion is reaction. Logic isn’t.

Resources:
Dinesh D’Souza
Jim Goad
Candace Owens
Michael Tsarion

Get Your Mind Straight. Get Your Money Straight.
Copyright 2018, Debt Shepherd, All Rights Reserved