silver certificate dollar

For most of Americans, even though we are by far the richest and most powerful country ever in history, the vast majority of us do not live that way day-to-day according to American standards. In fact, 81% of Americans are in debt and have less than $20 in their pocket right now (cash). It is clear that this is a result of lower incomes and poor financial management.

I believe that if you don’t have cash or hard assets like property, gold, silver, etc, you don’t really have anything. Credit is not an asset and your bank is only safe if you can take money out of it. Banks are government backed for now up to $250,000 but one sign of the pen can change that and then you’ll remember banks are just a business. They don’t keep your money safe, they invest it. In fact, every time you put $1 in your account, the bank loans that same dollar out 9 more times – to 9 different people. So it is clear that we can’t depend on banks to teach us how to be responsible with money.

In the next sections we’ll go over how we can make regular changes that will guarantee you to be rich within 20 years or less, without putting in that much effort.

I think a lot of information about this topic is rather boring on the internet. They all say the same thing – save more money, make more money, whatever. We all already “know” this but something keeps us from doing it. It’s a matter of impatience and our inability to preoccupy ourselves constructively while saving towards a goal. The rules are changing. Money isn’t the same as it used to be and neither is banking. Never save to save! Why? Your parents said that during a time when the American banking system paid a decent interest rate and you could actually make a profit by keeping your money in the bank. Also, saving money only has one purpose – so we (or someone else) can spend it later. This means the rules of savings you’ve probably heard from your parents (you know, build up your nest egg) isn’t going to work anymore.

Debt vs Assets of Average American

The Lifecycle of Money

Make It
Save It
Invest it

It’s time to change your mind about money. In the days of Noah, people didn’t really need money. In fact, if you didn’t have money in the Great Depression, you didn’t need it as much then either. Why? Because people in America were much more self-sufficient back then. They had a strong family unit, a stronger Christian foundation, and more robust when it came down to business.

So when 1 in 4 people didn’t have a job it was still something people could weather through. This is also in part because people still grew their own food, hunted, and even built their own houses. So if you didn’t have money, that didn’t necessarily mean you didn’t eat.

Today that’s not the same case. If you want to eat, it is much more likely that you will be getting your meals from the grocery store than from deer in a forest. Today it is expected that you have electricity and gas-powered climate control during Winter seasons. It is customary to have your own car. You will find it difficult to travel anywhere by horse regularly.

This is because the banksters and big corporations have made you dependent on convenience. Therefore, money has become an integral part of life. Without it you don’t eat. When the Bible said “a man who does not work does not eat,” today that literally means get a job. Back then it meant plow your literal field.

The goal in this life now is to figure out how to make more money faster, and then invest it in ways that make it work for you. This also means getting out of your comfort zone a little and always be working towards a business of some sort.

On top of the fact that money runs the world today, it also inflates. In fact, 96% of the dollar’s purchasing power is gone. It’s still a strong currency too! What does this say about the rest of the world who uses fiat money? It says that America is the best of the worst.

My point is that since paper money loses value so rapidly, your new job with this understanding is to determine how to make it faster than it inflates. There are 3 steps, no more, no less:

  1. Make it.
  2. Save it.
  3. Invest it.

When I was 14 years old I had a strong desire to be wealthy. I didn’t know how or when it would happen but the desire was so strong that I just knew it would somehow. I was fortunate enough to have a lot of family in business. My step-mother and father both run their own businesses and, let’s just say, they have a very nice house and drive very nice cars. They can basically do whatever they want.

My grandfather, however, was the most influential business mentor in my life. He always gave it to me straight. He owns a burglar alarm system company in New York, and he taught me the most valuable lesson about business – salesmanship.

My grandfather is the king of sales in my life. He once even told me that he can sell to anybody he meets and my grandfather is not one to lie. When he says something will happen it will happen. If you met him he would remind you (at least in appearance) of an old Italian mobster in a Godfather movie – you know, the one who says something and then it happens every time?

I spent many Summers working for him and his company. Sometimes I would do general labor for a few dollars an hour or I would install alarms. He did not pay me very well in those jobs. And one day I asked him about that. Then he hit me with it – “you can make as much money if you want.” How? I wondered. And that’s when he gave me a big box full of papers. They were old customers of another alarm company that went out of business. They were what we call in the industry “qualified leads.” And there were thousands of them. My commission was $100 per acquired customer.

So I began to try my hand at sales. Not with the box, but with something else. He also had vending machines. And he told me one time to go out and place the machines. This would require me to go out and sell businesses on the idea that they should have my vending machine in their store. So I went out and got to work. I chose this route because I knew the machines would pay me residual income rather than one-time income. I could have negotiated the same deal with the alarm sales but I was 15 and not that bright I suppose.

So I went out the next week. I talked to 3 businesses in my community and 2 of them “bought.” That’s a 67% close ratio! I closed them on average of 2 visits each, one to tell them what I was doing and another to put the machine in it. I was 15 or 16. And one week those machines made more than my Summer job!

So take it from me – sales isn’t really that hard. Most people just get too caught up in the idea that sales is hard and then never try. But I had faith. Not in myself, but in my grandfather’s instruction. He told me to go out and sell and I didn’t “think” about it, I just did it. I had no fear – there was no time for fear. My only regret was getting lazy after successfully doing it and not going out even more. That’s kind of the curse most Americans face now though, isn’t it? We get to a certain “class” (you know, the middle one) and just settle down. That is wrong. God created us in His image and it’s our job to represent Him as such.

So let’s move on to the next tab, “salesmanship: the numbers.” And we’ll look at just how easy it actually is to make money in America.

US GDP By State

Right now, in the US economy, there are a little more than $10 Trillion in circulation. The US GDP (total output of goods and services) is just under $17 Trillion. If you take a look at the map, 47 out of all 50 states produce much, much more than $50 Billion each. So if you make $35,000 a year (the average US salary), this should bother you, because there is enough GDP to pay every American citizen $57,000 per year.

This should tell you two things. For one, this means that most of America is not living up to the standard of life they can actually have here. Second, this is largely due to their (and your) own inaction if you don’t make at least $57,000 / year. I’m not degrading you if you’re not there yet. This part of the site is all about showing you how to think so you can get there. And since not every American visits this website, and further, not every American desires to be wealthy, (and also to compensate for margin of error in the numbers or fluctuation of money supply or GDP during deflationary cycles), we can safely assume that less than half of America has a serious desire to become wealthy or at least independent.

Let’s assume this desire only sits in half of Americans. And let’s assume that over the next 10 years only 10% of those people visit this site regularly. That would amount to roughly 15 million Americans.

There is enough money and GDP for 15 million Americans to be millionaires and billionaires. The money is out there, you’re just not going out and getting it. In fact, there are likely so many millions of dollars just in your own community that it would actually be easy for you to acquire wealth even in the economic conditions we live in now. It’s actually safer to pursue your own business goals than it is to look for a job. Jobs aren’t secure. Even if things are going well at the place you work or want to work at, that doesn’t save you from office politics or changes in management.

What will save you is your ability to go out and make sales. And so far I’ve learned that simply working up the courage to make phone calls and visit businesses is just the amount of effort you need to start making an independent living for yourself and your family if you have one. It’s easy in America. It has always been easy. Culture has changed and told us the the way to riches is to get a good college degree, then a “safe, secure job” and save 10% of your income while budgeting the rest properly for 50 years.

And I’m here to tell you that that doesn’t work anymore. There is no promise that America will stay great in the future. Even if it does, we are still entering a different era, and people are eventually going to be boiled down to two types: business owners and non-business owners. Translation: independent and dependent. This is really about your liberty and your freedom – they both cost money now.