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Personal finances

Background

The stock market WILL crash. Will some of the nominal decline be nominally offset optically by the same exponentially increasing money printing that was a key cause? Somewhat. But the crash will just be the start. As global markets stutter, Banks will fail and likely Bail-in, jobs will be cut creating a housing crisis, and savings will be wiped out. Historically pandemics historically have followed depressions. The overall pattern will be weaken the consumer, who currently in the western world has too much power, make consumers reliant on government support and normalize it through the AI narrative, then once reliant the support continues as long as your digital ID shows you have done all the things they require and not too much of anything.

The stock market WILL crash.  Will some of the nominal decline be nominally offset optically by the same exponentially increasing money printing that was a key cause? Somewhat.  But the crash will just be the start.  As global markets stutter, Banks will fail and likely Bail-in, jobs will be cut creating a housing crisis, and savings will be wiped out.  Historically pandemics historically have followed depressions.  The overall pattern will be weaken the consumer, who currently in the western world has too much power, make consumers reliant on government support and normalize it through the AI narrative, then once reliant the support continues as long as your digital ID shows you have done all the things they require and not too much of anything. 


** If you have a job, keep it **.  No matter how much you hate it and dream of being independent, keep that as a future dream for now, unless it is impossible to keep while you move your family to safety.  An income source in these times can be one of the most valuable assets.

Case Study

The Problem

  • Gold and silver are good as a portion of your portfolio max 25%

  • Cash and crypto also.  But to keep up with the moneyprinting you will need to do some shuffling back and forth to balance things.

  • Tradable goods that are also useful to you.

  • Question any luxury items, including dwellings.  Will you be sorry you didnt sell if they decline in value 50%?

  • Stocks - sure have 10-20%, but in sensible places - strong companies likely to continue being around.  Use the WEF membership list as a starting point.  Defense stocks, JPM, Commodity driven, you know the story.

  • Moonshots - sure I like this idea - but no more than 5%.  If you bet on a couple and one hits, a 1000% return will help your portfoilio.

  • Cheap condo in another country.  Gets assets out of the US and gives you an immediate plan B easy to maintain.

  • Farmland with water, not just a good investment in these times, but something you may need to use.

  • If you have land investing in agricultural assets may make sense if you think you can secure them.

  • Emerging markets sure.  A 5% slice on top of moonshots.  Pick a good one. Look forward not back.

  • Legal structures like trusts, corporations and foundations?  Sure these have a place - not more than 30% in 2 separate vehicles, to anchor assest in what you think may be a safe jurisdiction. Can be used to secure additional residencies also.

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