Podcasts about bankers

In this episode of Banker with a Beer, Jerry talks with Dr. Tim Nelson of CEO of Heartworks and Dr. Michael Carney, Interim Chancellor of UW Eau Claire about their Heartworks collaboration.   Topics discussed include: What does it mean to 'Build Hearts'? Why Heartworks is based in Eau Claire How Heartworks and UWEC are collaborating What does this collaboration mean to the university and community   Lighting Round Beverage Enjoyed: Liquid Death, lime flavored sparkling water     Thank you for listening to this episode! Help support the show by leaving Banker with a Beer a 5-star rating or review on Apple or Spotify.  Banker with a Beer is brought to you by Northwestern Bank. A community bank headquartered in Chippewa Falls, Wisconsin. Follow us on Facebook or learn more on our website northwesternbank.com. We're a community bank with all the services of a big bank in a personalized friendly size. Member FDIC.

Book a call: https://remnantfinance.com/calendar ! Out Print the Fed with 1% per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEIn this episode, Joe Withrow sits down with Brian and Hans from Remnant Finance for a live strategy session breaking down the Infinite Banking Concept from the ground up. We get into what a whole life insurance policy actually is (and isn't), why the bank has been profiting off your savings your entire life, how to borrow money against an asset without actually reducing it. If you've been curious about IBC but never had it broken down in plain language, this is the episode to start with.Chapters:00:00 – Opening segment03:30 – What is IBC? The protect, save, grow framework07:35 – Taking over the banking function: why the bank always wins11:15 – Human life value: your most valuable asset isn't on your balance sheet17:00 – Generational policies and setting up kids22:30 – Policy loans explained: borrowing against vs. borrowing from30:00 – Live illustration: how Hans funded a real estate syndicate41:00 – The car purchase breakdown: policy loan vs. dealer financing vs. cash46:00 – Does this work if you don't have dependents?53:00 – Brian's land story: how access to capital beat four competing offers1:03:00 – Policy illustrations walkthrough: the cash drag period and when it flips1:14:00 – Mutual companies, dividends, and why the math actually works1:24:00 – Why Dave Ramsey's advice has an expiration date1:33:00 – Who this is and isn't for1:37:00 – Closing segment / how to book with Remnant FinanceKey Takeaways:The bank is always profiting — the only question is whether you are. When you save at 3% and borrow at 6%, the bank isn't making a 3% spread. They're making a 100% return on every dollar they hold for you. IBC is about recapturing that function for yourself.You're not borrowing from your policy — you're borrowing against it. The insurance company loans you their money, collateralized by your cash value. Your policy keeps compounding as if you never touched it. That's what makes it possible to use the same dollar more than once.Cash attracts opportunities you can't plan for. Brian outbid developers on land behind his house — paying $80,000 less than the highest offer — because he could close in a week with no contingencies. That's not an investment strategy. That's just what access to capital makes possible.The guaranteed growth is the point. This isn't an investment — it's a warehouse. The value is in having a pool of capital that grows uninterrupted, tax-free, by contract, regardless of what the market does or what loans you have outstanding.IBC isn't for everyone right now — and that's okay. If you don't have consistent positive cash flow, forcing a premium payment will feel like a burden instead of a blessing. Brian and Hans will tell you that directly. Get the foundation right first.If you've heard of Infinite Banking, you've probably also heard someone tell you it's a scam — or that you should just max your 401k and call it a day. Most people dismissing it have never actually had it explained properly.

As National Vice President of Marketing at Coldwell Banker Realty, Lindsay leads one of the largest marketing organizations in residential real estate. She essentially was born into the business, as she grew up with both of her parents in real estate! Now with 14+ years in the business she helps promote the brand and it's agents to grow their business.   Lindsay's passion for inclusive growth is reflected in her leadership of Coldwell Banker's Inclusive Ownership Program and  her role as Executive Chair of What Moves Her, helping women in the real estate industry develop their leadership skills and realize their professional development goals A proud mom of three boys Lindsay is also obsessed with AI! She uses it in both her personal and professional life daily. During our conversation she shares her current go-to apps that can be used by anyone in business to help things run smoother and to be more organized.  What Moves Her

JPMorgan Chase is in talks to provide banking services to US President Donald Trump's Board of Peace, and investors have warned that loosening the UK's borrowing limits to fund more spending on defence would risk a bond market backlash and a self-defeating rise in borrowing costs. Plus, the White House says the New York Fed should be disciplined for a recent report, and a former investment banker is suing over her right to get eight hours of sleep per night. Mentioned in this podcast:JPMorgan in talks to bank for Trump's Board of PeaceGilt investors warn about ‘ruse' to fund higher UK defence spendingTrump adviser says New York Fed economists should be ‘disciplined' for publishing study on tariffsCan bankers be fired for demanding sleep? A US court will decideFT News Briefing subscription saleNote: The FT does not use generative AI to voice its podcasts Today's FT News Briefing was hosted and edited by Marc Filippino, and produced by Fiona Symon and Victoria Craig. Our show was mixed by Sam Giovinco. Additional help from Michael Lello. Our executive producer is Topher Forhecz. Cheryl Brumley is the FT's Global Head of Audio. The show's theme music is by Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Today we sit down with Ballard Cassady, CEO of the Kentucky Bankers Association. Ballard shares the unique perspective a banking association must keep while navigating the evolving banking landscape. He tells us about his lobbying efforts, his thoughts on AI, how stablecoin will impact the industry, and what community banks do best.   Learn more about The ARC Program here!   The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

In diesem Gespräch treffe ich einen der spannendsten Unternehmer im deutschsprachigen Raum Garry Krugljakow: einen ehemaligen Asset-Manager, der hunderte Milliarden verwaltet hat – und heute mit seiner Firma einen radikalen Schritt geht: Bitcoin als strategische Treasury-Reserve.Warum hält ein Unternehmen plötzlich BTC statt Cash?Was wissen Profis über unser Geldsystem, was der Öffentlichkeit kaum jemand sagt?Und weshalb vergleichen Garry Krugljakow viele bereits mit „dem deutschen Michael Saylor“?✗ Jetzt zum exklusiven Webinar am 26.02.2026 (18:30 Uhr) anmelden: https://friedrich.report/webinar/Zur Videofassung:https://youtu.be/aCh-zxmEuXQ

In this episode of Banker with a Beer, Jerry talks with Kenzi Havlicek, Director of Visit Eau Claire  Topics discussed include: Kenzi's Story What Visit Eau Claire Does 2026 Events in the Chippewa Valley Lighting Round Beverage Enjoyed: Chimay 175 Blond Ale, Belgium    Thank you for listening to this episode! Help support the show by leaving Banker with a Beer a 5-star rating or review on Apple or Spotify.  Banker with a Beer is brought to you by Northwestern Bank. A community bank headquartered in Chippewa Falls, Wisconsin. Follow us on Facebook or learn more on our website northwesternbank.com. We're a community bank with all the services of a big bank in a personalized friendly size. Member FDIC.

Jeffrey Epstein, a financier and convicted sex offender, was known to have engaged in illicit activities, including the operation of a vast sex-trafficking network involving underage girls. However, specific details on how he may have navigated or circumvented Title 31 of the U.S. Code, which pertains to money and finance regulations, are not readily available in the provided sources. Title 31 encompasses laws related to financial recordkeeping and reporting, including anti-money laundering (AML) and countering the financing of terrorism (CFT) measures. While Epstein's financial dealings have been scrutinized, particularly concerning his relationships with major financial institutions, the exact mechanisms he employed to potentially bypass Title 31 regulations remain unclear based on current public information.Jeffrey Epstein established several offshore entities to manage his wealth and assets, notably founding the Financial Trust Company in 1996, which he based in the U.S. Virgin Islands to capitalize on favorable tax benefits, reportedly reducing his federal income taxes by up to 90%.  n 2013, he obtained a banking license for Southern Country International, a specialized bank in the U.S. Virgin Islands designed to serve offshore clients. Despite holding this license until 2019, the bank conducted minimal, if any, business operations.   Epstein also utilized a network of shell companies, such as Plan D LLC, Maple Inc., and Great St. Jim LLC, to hold various assets, including his private jet and real estate properties.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Jennifer Riria grew up in a rural village in Kenya, juggled motherhood and university studies in her late teens, and ended up running one of the biggest microfinance institutions for women in Africa, which allows women to access loans for their businesses. The entrepreneur pioneered giving small loans to women at a time when they were not allowed to get finance. We hear about her story in life and in business. If you'd like to get in touch with the team, our email address is businessdaily@bbc.co.ukPresenter: Leanna Byrne Producers: Ahmed Adan and Amber MehmoodBusiness Daily is the home of in-depth audio journalism devoted to the world of money and work. From small startup stories to big corporate takeovers, global economic shifts to trends in technology, we look at the key figures, ideas and events shaping business.Each episode is a 17-minute deep dive into a single topic, featuring expert analysis and the people at the heart of the story.Recent episodes explore the weight-loss drug revolution, the growth in AI, the cost of living, why bond markets are so powerful, China's property bubble, and Gen Z's experience of the current job market.We also feature in-depth interviews with company founders - like Jennifer Riria - and some of the world's most prominent CEOs. These include Google's Sundar Pichai, Wikipedia founder Jimmy Wales, and the CEO of Starbucks, Brian Niccol.(Picture: Jennifer Riria.)

With most of the key trials now in the rear-view mirror, attention fully turns to Cheltenham as the clock keeps ticking down. Week six of #NotLongNow is all about separating the so-called certs from the potential meltdowns. It is Bankers or Blowouts week! Rory Jiwani is joined by Ed Quigley, Gary Connolly and bet365's Pat Cooney to cut through the noise around the hype horses, take on the market leaders and hunt out a bit of real value. There are strong takes flying already — Gary Connolly is adamant Old Park Star won't land the Supreme Novices' Hurdle, while Ed Quigley is baffled by Final Demand sitting top of the Brown Advisory market. Straight talking, sharp debate and a few tasty prices along the way, brought to you in association with bet365. Visit our sponsors bet365 for all your weekend horse racing needs and more: https://bit.ly/racehour365

Coldwell Banker Commercial's Dan Spiegel shares leadership lessons, franchise network strategy, tech adoption tips, and his 2026 CRE outlook.The Crexi Podcast connects commercial real estate (CRE) professionals with industry insights built for smart decision-making. In each episode, we explore the latest trends, innovations and opportunities shaping commercial real estate, because we believe knowledge should move at the speed of ambition and every conversation should empower professionals to act with greater clarity and confidence.  In this episode, host Shanti Ryle sits down with Dan Spiegel, Senior Vice President and Managing Director of Coldwell Banker Commercial, to discuss the latest trends, insights, and strategies in the commercial real estate industry. They explore Dan's journey into the industry, his perspectives on leadership and mentorship, and the unique dynamics of secondary and tertiary markets. They also delve into the importance of building connections within a decentralized franchise model, the adoption of new technologies like AI, and expectations for various asset classes in the coming year. Dan highlights the significance of maintaining respectful and positive relationships as a guiding principle in both business and life.Introduction to The Crexi PodcastGuest Introduction: Dan SpiegelDan Spiegel's Background and Career JourneyThe Appeal of City LifeEarly Challenges in Commercial Real EstateBalancing Art and Science in Real EstateMentorship and Leadership InsightsColdwell Banker Commercial's Unique ApproachFostering Connections and CommunicationEmbracing Technology and AI in Real EstateEvaluating New TechnologiesAdoption Challenges in Real EstateBalancing Innovation and TraditionAdvice for Brokers on Adopting ToolsStrategic Time ManagementMarket Trends in Secondary and Tertiary MarketsInvestment Insights and TrendsLooking Ahead to 2026Final Thoughts and AdviceConclusion and Contact Information For show notes, past guests, and more CRE content, please check out Crexi's blog.Looking to stay ahead in commercial real estate? Visit Crexi to explore properties, analyze markets, and connect with opportunities nationwide. Follow Crexi:https://www.crexi.com/​ https://www.crexi.com/instagram​ https://www.crexi.com/facebook​ https://www.crexi.com/twitter​ https://www.crexi.com/linkedin​ https://www.youtube.com/crexi

A famous quip illustrates an important point: Small debts burden the borrower; big debts burden the lender. Resources & links related to this episode: Get in touch: podcast@gretchenrubin.com Visit Gretchen's website to learn more about Gretchen's best-selling books, products from The Happiness Project Collection, and the Happier app. Find the transcript for this episode on the episode details page in the Apple Podcasts app. See omnystudio.com/listener for privacy information.

Today we sit down with Dan Odom, President and CEO of Western Bank out in Lubbock, Texas. He discusses the history of his family-owned community bank and how he has developed it over the last decade. He tells us about his community profile, his thoughts on talent development, and the challenges and opportunities he faces in west Texas. Learn more about The ARC Program here!   The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

What if charitable giving opens you up to a new world of purpose and meaning you didn't know you had access to? In this episode, John Bromley shares how he helps donors navigate and participate comfortably in the giving world as a "charity banker." John is the founder and CEO of Charitable Impact, Canada's first fully online donor-advised fund, which has facilitated over $1.5 billion in charitable donations since its inception in 2011. Growing up in a family deeply engaged in philanthropy, John was inspired by his father, renowned charity lawyer Blake Bromley, to pursue a career in creating impact. He began in corporate finance with PwC and RBC Capital Markets before transitioning to the charitable sector in his mid-to-late twenties, where he recognized the need for a simpler, more effective giving platform. John's innovative approach has earned him recognition as a TEDx speaker, a "Forty Under 40" honoree, and recipient of the CEO Community Leadership Award. Committed to cultivating generosity, John continues to empower individuals and organizations to make meaningful change through philanthropy. Beyond his professional achievements, he is a dedicated community leader, soccer coach, and proud father of two. John reveals the relationship that transformed him: his father Blake Bromley, one of the global pioneers of charity law and finance in Canada, who taught John everything he needed to know to become a charity banker not through formal education but through osmosis during car rides to sports games every weekend, where John thought he was tuning out boring workplace talk but was actually absorbing years of expertise that no textbook could teach, leading to John's realization in his late twenties that his dad possessed unique knowledge that became the foundation for Charitable Impact and John's ability to help donors go from thinking about $200,000 gifts to creating private foundations with $15 million.   [00:05:00] I'm a Charity Banker Acts like private banker to donors (individuals or organizations) Gives access to knowledge about how to go about giving Brings tools and team members to help Founder and CEO of Charitable Impact (donor-advised fund) [00:05:40] How a Charity Bank Works People give money in, get tax receipt right away Can determine how to use those charity dollars to create impact they want Role is entrepreneur who founded it, gives vision and mission There because people with great hearts, minds, deep wallets never had anywhere to go for neutral advice [00:06:40] Inspired by Seeing Others Become Inspired Charitable giving opens people to new world of purpose and meaning About investing time, talent, and money into things you care most about Having impact with your time, talent, and money Coached soccer for years, grateful for opportunity to do it [00:07:40] Getting More Out Than You Put In Really good donors get more out of it than they think they put in First time doing anything, you're not gonna be whiz kid Takes time and focus People who learn to have joy and gratitude become best donors [00:10:40] Making Intentional Giving Part of Everyday Life Vision at Charitable Impact: make intentional giving part of everyday life Quantum of money isn't as important Type of cause they choose isn't important to him Like banker shouldn't care what specific stocks someone chooses [00:11:40] From Sporadic to Intentional Giver Inspired when someone goes from not being giver to proactive giver From only reacting to being asked for money to building giving into their life Whether using time, talents, and/or money Like fitness banker trying to get people off couch [00:14:00] Be Open to Help Blessed to have had many encounters with people who had material impact If talking to younger self: you've gotta be open to help and feedback Don't have to accept it all, but have to listen to it One person stands out head and shoulders above everyone else [00:14:40] Didn't Recognize Until Almost 30 Key mentor in his life was his father Didn't recognize dad played that role until almost 30 Not just because dad was good dad who loved and nurtured him Where do you learn what you need to know to become a charity banker? [00:15:20] One of Two Serious Pioneers Father was one of arguably two serious pioneers of charity law and finance in Canada In charity nerd community (very small), dad is known globally He's one of global experts in the space Here he is, just my dad [00:16:00] The Career Change Conversation Graduated university, started in corporate finance and investment banking Left after several years, not being culture fit Started interacting with dad about changing career mid-to-late twenties Accidental pathway led to realizing dad knows stuff you can't read online [00:17:20] Learning from Osmosis Played ton of sports growing up, every weekend dad took him to games Dad yapping about charity stuff going on in his workplace John thinking: in one ear out the next, boring Now realise: how much did I learn from osmosis? [00:19:20] The $15 Million Superpower Dad's superpower: donor comes in thinking $50-100K, maybe $200K Two months later, leaving with private foundation with $15 million in it Rooted in relationship development and expertise John has had few scenarios where this happened [00:20:20] Seeing Beyond the Barriers People come in wanting to make giving part of how family does things Starting with what sounds like relatively low money Shifting how they think about it, making large structured contributions Growth mindset in philanthropic advisory space [00:22:40] Increasing Access to Participation Mission: increase access to participation in and benefit people feel from giving Not about going from 200K to 15 million About going from never giving to starting to give $100 a month It's the action to participate and start that matters [00:24:00] Like Building a Bank Banks might make more money off high net worth clients But banks don't exist without tens of thousands of small depositors Real interest is helping people get in and stay in game Regardless of money or causes they want to create impact for [00:26:00] The Workshop That Changed Everything Kevin started family foundation in 2008 to avoid big tax bill Friend Jeff Ziegler told him to start foundation and get 501(c)(3) status Went to workshop in 2009, heard foundation owners talking about what they're doing Wanted to start experiencing that [00:26:40] Jamaica Orphanage and Family Sponsorship Kevin's foundation supports Jamaica orphanage, visits every year Gives each of four older kids access to foundation debit card They choose family through food bank or church to sponsor Buy what kids want and need, groceries [00:27:20] I Wish This Was My Job Oldest daughter after first year: "I wish this was my job all the time" So incredibly rewarding for them Take kids to Jamaica orphanage, they experience what those kids are like On bus ride back, kids saying "we got it really good, Dad" [00:28:20] Three Beliefs at Charitable Impact Everyone has something in world they want to create change for Everyone has something to give toward creating that change (time, talent, treasure) When you give, you get something in return This third belief is under-focused on [00:29:40] Selfish Reasons to Give How do you learn you have it well if not exposed to these things? Creates opportunity, learning, meaning, and purpose in your own life It's not just about benefiting community No one focuses on this, but they should [00:30:00] You Don't Stay in Jobs You Don't Like Do you live in a house you hate? Probably not Eat foods you hate? Play sports you don't like? Of course not - you do things you enjoy Important to see philanthropy that way [00:32:40] Intention vs. Action Intention is critically important, big fan of intention But it's action, doing stuff in real world that creates change Can't just think about it Philanthropy is like exercise or eating well - you have to actually do it [00:33:20] You Don't Have to Be Perfect Don't have to work out hours every day Can be incremental, small part of who you are But you actually have to do something When you do, you get something in return [00:33:40] The One Thing They Don't Regret Seasoned philanthropists, particularly as they get older Never heard anyone regret spending time, talent, money on things they care about Partly because of how much they get out of it By so doing [00:34:20] Being in Control of Where Money Goes Can choose instead of paying it all in taxes Give to organization or something you believe in and want to support Take proactive step and give it there instead We can totally choose that [00:36:00] Dad, Thank You and I Love You John gives shout out to his father Thanks him for everything Says "I love you" Beautiful moment honoring his dad   KEY QUOTES "Charitable giving opens them up to this new world of purpose and meaning. It's really about investing your time and talent and money into the things that you care most about, that you love." - John Bromley "Really good donors get more out of it than they think they put in. The people who learn to have joy and gratitude from giving become the best donors." - John Bromley "When you give, you get something in return. It's about creating opportunity and learning and meaning and purpose in your own life." - John Bromley CONNECT WITH JOHN BROMLEY 

This week we bring you the conclusion of our revisit to Michele Sindona. Find out how the ruins of bodies, and families were left behind as Michele's banking empire fell across multiple countries, and the lengths he would go to to try and avoid facing his just punishment.

Geoffrey Dohrmann, chairman and CEO at Institutional Real Estate, Inc., sits down with Tony Avila, founder and CEO at Avila Real Estate Capital, to discuss the size of the single-family housing market today and the demographics for homeownership, the home building sector, the difference between land-heavy and land-light, the left tail risk in investing in land development and if that risk can be mitigated, and more. (02/2026)

Crime on a Thursday First,  a look at this day in History.Then, Boston Blackie starring Dick Kollmar,  originally broadcast February 5, 1946, 79 years ago, The Brandon Jewel Robbery.  Blackie is framed for the Brandon jewelry store robbery and murder.Followed by Calling All Cars, originally broadcast February 5, 1935, 91 years ago, Banker In The Well.  Gordon Sawyer, vice president of a Tucson bank, has been kidnapped from his home.Then, The Man Called X starring Herbert Marshall, originally broadcast February 5, 1952, 74 years ago, The Clicking Buddah.   A body has been found in a Tokyo park. It's the body of Ken Thurston, The Man Called X! Followed by Inner Sanctum Mysteries, originally broadcast February 5, 1946, 80 years ago, Skeleton Bay.  A mystery writer witnesses a murder. The killer sees the witness, who surprisingly offers to help the killer dispose of the body! Finally,  Claudia, originally broadcast February 5, 1948, 78 years ago, Goodbye at the Airport. A long goodbye at the airport.  Kathryn Bard and Paul Crabtree star.  Thanks to Richard G for supporting our podcast by using the Buy Me a Coffee function at http://classicradio.streamCheck out Professor Bees Digestive Aid at profbees.com and use my promo code WYATT to save 10% when you order! 

January 15, 2022 - This episode features Caroline Shenaz Hossein. Dr. Hossein is a leading global scholar on solidarity economies, cooperative finance, and the economic contributions of racialized communities. She and Vernon will discuss her new book, The Banker Ladies, along with the benefits—and obstacles—of being at the forefront of building and sustaining solidarity economies. Caroline Shenaz Hossein is a Canada Research Chair Tier 2 in Africana Development & Feminist Political Economy and Associate Professor of Global Development Studies. She is the founding member of the international Diverse Solidarity Economies Collective (DISE), highlighting the need to amplify culturally diverse community economies to counter the systemic economic exclusion of marginalized populations. Dr. Hosein is a member of the new college at the Royal Society of Canada and holds an Ontario Early Researcher Award. Author of the award-winning Politicized Microfinance: Money, Power and Violence in the Black Americas and The Banker Ladies and editor of Community Economies in the Global South, of The Black Social Economy, Community Economies in the Global South and Beyond Racial Capitalism and has written more than 50+ articles and book chapters on financialization, development and feminist economics.

Mr. Beast Biography Flash a weekly Biography.Hey beasts and beastettes, its your girl Roxie Rush here, your AI-powered gossip whirlwind, and thank goodness Im AI because I never sleep, scouring the net 24-7 to drop these scorching scoops first thing hot off the press. Jimmy Donaldson, aka MrBeast, is on fire this week, darling, positioning his five-billion-dollar Beast Industries empire for what insiders are calling the unofficial IPO roadshow kickoff. According to Jim Louderbacks newsletter, Jimmy and CEO Jeffrey Housenbold spilled tea with Andrew Ross Sorkin at the DealBook Summit, dishing on their content engine, upcoming MVNO phone service, financial arms, and a slick new clipping division for brands ha, remember Louderbacks September shade on that Beast phone. Bankers swarmed like bees after, and get this Jimmy vowed to drop the greatest content of his life in 2026 to fuel it all, though a cheeky eyewitness spotted him fidgeting to steal the spotlight back from his CEO pure founder energy.Offline hes betting big too Dallas Innovates reports his Beast Games Season 2 fortune cookie promo is live in DFW restaurants, slipping show teasers into millions of meals tied to that five-million-dollar Prime showdown, with rare ones penned by Jimmy himself. Starbucks is pouring Cannon Ball Drinks for it, and hes co-writing a thriller with James Patterson for a 2026 global drop in 15 languages whew.In biotech glam, GreenQueen says Jimmy hit Upside Foods EPIC facility in Cali Sunday, tasting cultivated chicken on camera with the crew a potential MrBeast moment normalizing cell-grown meat for his 460 million Gen Z obsessives, after teasing burgers back in 2022. Cash-wise, Fortune spilled he claims hes broke as us borrowing from mom for his wedding despite that 2.6 billion net worth all reinvested, laser-focused on blowing up the biz. No fresh 24-hour bombshells, but this IPO buzz and alt-protein play scream long-term legend status.Whew, Roxie out gotta chase the next scoop. Thanks for tuning in, listener love hit subscribe to never miss a MrBeast update, and search Biography Flash for more killer bios. Muah.And that is it for today. Make sure you hit the subscribe button and never miss an update on Mr. Beast. Thanks for listening. This has been a Quiet Please production."Get the best deals https://amzn.to/4mMClBvThis content was created in partnership and with the help of Artificial Intelligence AI

In this episode of Banker with a Beer, Jerry talks with Amanda Schemenauer of Nordson EDI and Katie Rurup of Cadrex about the upcoming Chippewa Falls Manufacturing Showcase Topics discussed include: What is the Chippewa Falls Manufacturing Showcase? Career Paths and Opportunities Modern Manufacturing and Technology Company Culture   Lighting Round Beverage Enjoyed: Paulaner Salvator Double Bock    Thank you for listening to this episode! Help support the show by leaving Banker with a Beer a 5-star rating or review on Apple or Spotify.  Banker with a Beer is brought to you by Northwestern Bank. A community bank headquartered in Chippewa Falls, Wisconsin. Follow us on Facebook or learn more on our website northwesternbank.com. We're a community bank with all the services of a big bank in a personalized friendly size. Member FDIC.

Mario Innecco believes the recent dramatic crash in the silver price was largely driven by market manipulation orchestrated by bullion banks short the metal, as the COMEX circuit breakers mysteriously failed to activate while prices plunged. Mario thinks that ultimately, reality will prevail over desperate bankers and when reckoning arrives, silver will soar past triple digits and fiat currency will hyperinflate into oblivion.Get Your 'Stack Silver Not Fiat' Shirt: https://commodity-culture-shop.fourthwall.com/products/stack-silver-not-fiat-t-shirtManeco64 on Youtube: https://www.youtube.com/@maneco64Follow Mario on X: https://x.com/maneco1964Follow Jesse Day on X: https://x.com/jessebdayCommodity Culture on Youtube: https://youtube.com/c/CommodityCulture

In January, President Trump urged Congress to cap credit card interest rates at 10% and said Americans are being “ripped off” by credit card companies. Bankers quickly opposed the idea, with some calling it an economic disaster. There is also debate over capping credit card late fees. We look at the pros and cons of these proposals and whether any of them would lead to more affordability.

Protect Your Retirement with a PHYSICAL Gold and/or Silver IRA https://www.sgtreportgold.com/ CALL( 877) 646-5347 - You Can Trust Noble Gold The criminal bankers slammed the price fo silver down from $121 to $106, and Gold by $500 intraday, but their paper games no longer work. An hour ago Silver was back at $118 but as I write this Silver is trading at $109 - the Bankers are DESPERATE. In the emergency update with Chris Marcus from Arcadia Economics, we discuss the very latest as we sound the alarm: Protect yourself from the death of fiat currency while you still can.   Discover Why A Rapidly Growing Number Of Doctors Are Now Recommending The X39 Patch To Their Patients! https://info.ilovefeelingbetter.com/powerofthepatch-page-1783-1279   Chris Marcus' website: https://arcadiaeconomics.com/ https://www.bitchute.com/video/kHDvVtatFTip/

There are more billionaires than ever. Rockstars. Oil tycoons. Internet entrepreneurs. And all of them - all of them - employ private staff. The age of Jeeves and Wooster may be over, but the demand for a dependable butler remains. Lawrence McKenna has been serving the super-rich for three decades, including stints in private suites in London's poshest hotels and the Royal Enclosure at Ascot. In this interview with Olly, he reveals how to remain invisible yet available; poised to deliver whatever a ‘principal' desires, from obscure coffee beans to a mid-coital cuppa. He explains how to carry a plate, when to say ‘yes' and when to simply say ‘it can be done', and how to prepare *just chilled* mineral water to the taste of a Saudi trillionaire... This episode first aired in 2017 - we're playing it again to compliament Alok Sama's interview this month: The Banker, The Billionaire, and the Big Lie. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many claim the Rothschilds are at the top of the banking cabal for control over the central banks. Others deny the Rothschilds have such control. But certainly their hand is in the pot for influence. We break down the central banks and try to guess what countries are involved. The wealthy elite bankers are up to something.

In this episode of the Be Wealthy Podcast, host Brett Tanner sits down with financial educator and infinite banking expert Kyle Fuller to unpack how wealthy individuals think differently about money, liquidity, and control.Kyle shares his personal journey growing up in a large family, witnessing financial hardship during the 2008 crisis, and how those experiences shaped his philosophy around cash flow, reserves, and long-term wealth planning. Together, Brett and Kyle break down why education must come before investing, how poor liquidity destroys otherwise good strategies, and why following the crowd is one of the fastest ways to lose money.This conversation dives deep into infinite banking, wealth foundations, cash flow over net worth, and how to build a financial system that creates freedom — not stress.

Throughout history diplomats have played keys roles in settling disputes among nations by winning alliances, splintering enemy coalitions, and making peace with their bitterest foes.  And, yet, in the post- Cold War period America has relied more upon the strength of its military, international covenants and economic muscle, as the world’s reserve currency, to impose its vast might on allies and adversaries alike.  Our guest, A. Wess Mitchell, a Principal and Co-Founder of the Marathon Initiative and the author of the new book, “Great Power Diplomacy: The Skill of Statecraft from Attila the Hun to Kissinger,” thinks this approach will not work going forward because America does not have the capacity to vanquish all the threats on the battlefield, particularly with the fragility of our own domestic politics and heavy debt load.  He makes a compelling argument as we circle the globe with him looking at America’s position in the world today.

Frankfurt, 1519. Seven prince-electors perform a holy ritual—Latin prayers, incense, sacred oaths.But behind the ceremony is the real mechanism: an auction financed by debt.In this episode of Hidden Forces in History, we trace how Jakob Fugger and his banking network helped decide who would wear the imperial crown—by underwriting bribes, guaranteeing pensions, and turning future imperial revenue into collateral.History books say Charles V was chosen by God. The ledgers say he was installed by the bank. This wasn't an election; it was a liquidation sale of the Holy Roman Empire.What this episode exposes:• How the Fugger network turned loans into political leverage• Why Charles V's victory depended on credibility, not just bloodline• How indulgence money and church finance became a revenue pipeline• What happens when an emperor governs under structural dependence• Why legitimacy had to be purchased after power was boughtIf a throne can be bought, who really rules—the man with the crown, or the man who holds the note?

In this episode of Banker with a Beer, Jerry talks with Kate Lyons, Marketing and Events Lead for Scheels in Eau Claire Topics discussed include: History of Scheels What makes Scheels Different Creating Strong Customer Loyalty Upper Midwest Roots & Local Understanding Lighting Round Beverage Enjoyed: Boulevard Brewing, Tank 6 Belgium Quad    Thank you for listening to this episode! Help support the show by leaving Banker with a Beer a 5-star rating or review on Apple or Spotify.  Banker with a Beer is brought to you by Northwestern Bank. A community bank headquartered in Chippewa Falls, Wisconsin. Follow us on Facebook or learn more on our website northwesternbank.com. We're a community bank with all the services of a big bank in a personalized friendly size. Member FDIC.

Brian Armstrong debates with Bank of France governor at Davos. Coinbase CEO Brian Armstrong sparred with the Bank of France Governor at Davos, correcting him on Bitcoin's independence and pushing for a "Bitcoin Standard." Meanwhile, the U.S. Senate has indefinitely postponed the Clarity Act markup after Coinbase withdrew its support. CoinDesk's Jennifer Sanasie hosts "CoinDesk Daily." - This episode was hosted by Jennifer Sanasie. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Victor Chen.

Bankers, Realtors, the Land itself, and Personal Finances. All Key aspects to consider and shop around when buying land in today's Wisconsin or Upper Midwest market.

One of the most obnoxious sounds in nature is the whine of a Wall Street banker. It's a cross between the tantrum of a peevish brat and the blathering of a sputtering old plutocrat.Consider the long, piteous whimper of Jamie Dimon, potentate of the powerful JPMorgan Chase banking empire. He constantly whines about laws to restrict banker greed, even toting around a Rube Goldberg-style cartoon depicting a tangle of rules that, he squeals, is choking poor Wall Streeters like him.Before you break into tears about Jamie's plight, though, notice that he and his bank are not choking on rules, but gorging on riches. Dimon himself pocketed – get this -- $770 million in personal pay last year.Golly, we should all suffer like poor Jamie!And he's hardly alone in singing the “Talking Banker Blues,” for that elite clique has long pouted that they're paupers compared to the billionaires of high tech. So, mounting an odd boardroom “labor action,” bankers have been getting drastic payhikes. The CEO of Citigroup, for example, recently set a new bottom line expectation for top-floor bankers: A 2025 paycheck of more than $100 million!How can a business lavish such a windfall on one guy? Easy. The CEO slashed tens of thousands of bank employees from Citi's payroll last year, so he got their pay.Woody Guthrie once wrote a parody of such predatory behavior, singing “I am a jolly banker, A jolly banker am I.” Today's Wall Street aristocrats are jolly, too, bloating their extravagant wealth by taking wages and livelihoods from thousands of their own employees. As Woody might sing, that's how inequality “happens.”Do something!Wanna fight the bankers and their rigged systems? Americans for Financial Reform thinks that “the financial system should serve an economy where everyone can thrive, not just enrich a powerful few.” Sounds great to us! Check them out at ourfinancialsecurity.org.Jim Hightower's Lowdown is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit jimhightower.substack.com/subscribe

In this episode of Banker with a Beer, Jerry talks with John Jacobson, Director of Public Affairs with Rider Ware Law Topics discussed include: What is a Lobbyist? How Influence Actually Happens Lobbyist vs Citizen Influence Policy Area with Real World Impact Lighting Round Beverage(s) Enjoyed: The Athletic Wit's Peak & Saranac Adirondack Lager    Thank you for listening to this episode! Help support the show by leaving Banker with a Beer a 5-star rating or review on Apple or Spotify.  Banker with a Beer is brought to you by Northwestern Bank. A community bank headquartered in Chippewa Falls, Wisconsin. Follow us on Facebook or learn more on our website northwesternbank.com. We're a community bank with all the services of a big bank in a personalized friendly size. Member FDIC.

To find out more about Pauline, please visit her website Your host Bradley Chermside, is author of international bestselling Camino de Santiago memoir, ⁠⁠⁠The Only Way Is West⁠⁠⁠.Bradley has walked the Camino Frances, the Camino Portuguese the Camino Inglés and the way to Finisterre.Bradley's Camino de Santiago book, ⁠⁠⁠The Only Way Is West⁠⁠⁠, is a three time international bestseller in Humorous Essays, Action and Adventure Biographies and Travel Writing in the UK, Canada and Australia. To get your eyes on an ebook, your hands on a paperback, or, your ears around the audiobook version, ⁠⁠⁠click here :)⁠⁠⁠ You can also buy Brad a coffee at the link below - he LOVES coffee! :) ⁠⁠⁠https://www.buymeacoffee.com/pilgrimspodcast⁠Links/info to topics discussed in the conversation with Pauline:Favourite Albergue in France : La petite lumière, Moissac Favourite albergue in Spain : Albergue Verde, Hospital de Orbigo : https://albergueverde.org/Favourite bar : La Casa de Los Dioses, near Astorga YouTube account I recommend : Sylvie, Radiocamino https://www.youtube.com/@RadioCamino

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Jackson Hataway, Missouri Bankers Association President on Trump's Credit Card Proposal | 1-12-26See omnystudio.com/listener for privacy information.

Monday January 12, 2026 Sanctioning Negligent Bankers

In this episode of Banker with a Beer, Jerry talks with Scott Zielski, President and CEO of Aaniie, Inc. Topics discussed include:  •    An overview of Aaniie •    Growing a Business in Eau Claire  •    The Aaniie platform •    Best Strategies for Caregiver Retention  •    Lighting Round Beverage Enjoyed: Point Root Beer    Thank you for listening to this episode! Help support the show by leaving Banker with a Beer a 5-star rating or review on Apple or Spotify.  Banker with a Beer is brought to you by Northwestern Bank. A community bank headquartered in Chippewa Falls, Wisconsin. Follow us on Facebook or learn more on our website northwesternbank.com. We're a community bank with all the services of a big bank in a personalized friendly size. Member FDIC.

US Federal Reserve chair Jerome Powell is under criminal investigation by the Justice Department, a probe he calls a "pretext" amid a pressure campaign by President Donald Trump to cut interest rates. Also in this edition: Germany's chancellor travels to India to boost trade ties as exports to China slump.

Alok Sama was a high-flying CFO who fraternized with the world's richest men.  But he wasn't immune from intimidation. Anonymous letters sent to his boss, Softbank's Masayoshi Son, accused him of corruption. Suddenly, shadowy “shareholders” emerged from nowhere, and a whisper campaign quietly derailed his career. Then - as he recounts to Olly in this compelling conversation - Alok discovered his family was under surveillance. Desperate, he met men claiming ties to Mossad. And ultimately walked away, with first-hand experience of the corporate espionage that lurks in the shadows of Britain's biggest companies. Alok's book, The Money Trap, is out now. _____________ Meanwhile, in the Zeitgeist, Ollie Peart - fresh from veritably leaping into his forties - tests out the viral wellness trend for ‘sleepmaxxing'.  Can grounding sheets, a bone-conducting pillow-speaker, or light therapy help him get his forty winks? With the aid of the National Sleep Helpline, he delivers hacks and tips for anyone looking to improve their sleep in 2026. … Got a trend you'd like to challenge Ollie to test out on a future edition of the show? Fill out the Feedback form on our website, or join our Discord.    _____________ Elsewhere, down the Foxhole, Alix Fox is contemplating the surprising side-effects of ketamine, and discovering the demand for ‘creature cock' sex toys such as Lovehoney's ‘Swamp Monster'.  How did this kink for fantasy dildos - kickstarted by niche brands like Bad Dragon and Gang Bankster - evolve into a mainstream, sold-out product category?  Is it linked to zoophilia, ‘romatasy' books on TikTok, liberation from masturbatory stigma… or all of the above? As always, Alix has some (eye-opening) answers... _____________ Finally, in music corner, our Record of the Month brings a welcome return to the show for Cavetown, whose new single, "Sailboat (feat. chloe moriondo)", is out now. _____________ We'll be back with our Playback edition on 30th Jan, and something new on 10th February.  In the meantime, thanks for your help supporting the show into 2026 with your beer money and/or reviews. Mwah! Presenter: Olly Mann. Contributors: Alok Sama, Alix Fox, Ollie Peart, Cavetown. Producer: Matt Hill. Theme Music: ‘Skies Over Cairo' by Django Django. Artwork: Podcast Discovery. Copyright: Olly Mann / Rethink Audio 2026. Learn more about your ad choices. Visit megaphone.fm/adchoices

In This Episode This week on Breaking Banks, we spotlight our sister podcast, The Bankers' Bookshelf, hosted by Paolo Sironi. In this episode, Paolo sits down with frequent Breaking Banks guest Leda Glyptis to discuss her book, “Beyond Resilience: Patterns of Success in Fintech and Digital Transformation”. Drawing from candid interviews with leading entrepreneurs, Leda moves past the typical success stories to uncover the raw realities of building groundbreaking ventures. She offers an honest exploration of digital transformation, including the lessons learned, inevitable mistakes, course-corrections, and the personal and professional growth required to lead through the messiness of digital change. Leading fintech transformation demands more than sheer resilience: it's about wielding control amid chaos, maintaining consistency and integrity, and standing firm, whether solo or with a team. This conversation is essential for anyone navigating the complexities of fintech transformation. Listen now!

- JPMogran Chase to Replace Goldman Sachs Backing Apple Card - ChatGPT Health Can Integrate Apple Health Info - AppleInsider Issues Word of Caution Around Apple Health + ChatGPT - Expired Security Certificate Borks Logitech Peripheral Customizations - Apple Regent Street Closing for "Refurbishment" - Apple Research App Gets Liquid Glass Update - Four New Titles Hit Apple Arcade Today - Apple TV Snags Several SAG-AFTRA Award Noms - Sponsored by Copilot Money: Get a two months free trial with Offer Code MACOSKEN at try.copilot.money/macosken - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

Join my online school for eBay sellers here. Get my BOLO books (eBook format) hereGet my BOLO books (printed format) hereContact me for a store review Suzanne@SuzanneAWells.com Follow me on FacebookJoin my private Facebook group here.Find me on YouTube here.Visit my website here.Email your comments, feedback, and constructive criticism to me at Suzanne@SuzanneAWells.com

Alex Murdaugh didn't commit his crimes alone — and today, one of his most essential enablers is finally facing real consequences. In this explosive Hidden Killers breakdown, Tony Brueski unpacks the downfall of Russell Laffitte, the former CEO of Palmetto State Bank and heir to a century-old Lowcountry dynasty, who has now been sentenced in both state and federal court for bank fraud, wire fraud, and conspiracy. For years, Laffitte wasn't just a banker — he was the engine behind Murdaugh's schemes. This episode goes inside the financial machinery of the Murdaugh empire. Laffitte approved illegal loans, drained conservatorship accounts, and siphoned money from some of the most vulnerable victims imaginable: grieving families, injured clients, and people who trusted the justice system. He didn't pull a trigger at Moselle — but he kept the money flowing long enough for Murdaugh to destroy countless lives. We examine how the fraud worked, why it continued for so long, and how small-town privilege and legacy allowed Laffitte to operate unchecked. Was he manipulated by Murdaugh's charm and pressure, or was he a fully willing architect of the deceit? His courtroom shift from defiant innocence to sudden guilty plea raises its own questions — and reveals how quickly loyalty evaporates when prison becomes real. Tony breaks down the biggest victims in the financial web, including the stolen settlements of Hakeem Pinckney, the Badger family, and others whose tragedies were exploited for profit. And we explore what Laffitte's sentencing means for the broader Murdaugh universe: Who else knew? Who else helped? And who might be next? If you thought the Murdaugh case was just about murder, this episode exposes the darker truth — that behind every monster is the person who keeps the machine running. #Murdaugh #RussellLaffitte #MurdaughMurders #TrueCrimePodcast #FinancialCrime #BankFraud #HiddenKillers #SouthCarolinaCrime #WhiteCollarCrime #PalmettoStateBank Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Alex Murdaugh didn't commit his crimes alone — and today, one of his most essential enablers is finally facing real consequences. In this explosive Hidden Killers breakdown, Tony Brueski unpacks the downfall of Russell Laffitte, the former CEO of Palmetto State Bank and heir to a century-old Lowcountry dynasty, who has now been sentenced in both state and federal court for bank fraud, wire fraud, and conspiracy. For years, Laffitte wasn't just a banker — he was the engine behind Murdaugh's schemes. This episode goes inside the financial machinery of the Murdaugh empire. Laffitte approved illegal loans, drained conservatorship accounts, and siphoned money from some of the most vulnerable victims imaginable: grieving families, injured clients, and people who trusted the justice system. He didn't pull a trigger at Moselle — but he kept the money flowing long enough for Murdaugh to destroy countless lives. We examine how the fraud worked, why it continued for so long, and how small-town privilege and legacy allowed Laffitte to operate unchecked. Was he manipulated by Murdaugh's charm and pressure, or was he a fully willing architect of the deceit? His courtroom shift from defiant innocence to sudden guilty plea raises its own questions — and reveals how quickly loyalty evaporates when prison becomes real. Tony breaks down the biggest victims in the financial web, including the stolen settlements of Hakeem Pinckney, the Badger family, and others whose tragedies were exploited for profit. And we explore what Laffitte's sentencing means for the broader Murdaugh universe: Who else knew? Who else helped? And who might be next? If you thought the Murdaugh case was just about murder, this episode exposes the darker truth — that behind every monster is the person who keeps the machine running. #Murdaugh #RussellLaffitte #MurdaughMurders #TrueCrimePodcast #FinancialCrime #BankFraud #HiddenKillers #SouthCarolinaCrime #WhiteCollarCrime #PalmettoStateBank Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Alex Murdaugh didn't commit his crimes alone — and today, one of his most essential enablers is finally facing real consequences. In this explosive Hidden Killers breakdown, Tony Brueski unpacks the downfall of Russell Laffitte, the former CEO of Palmetto State Bank and heir to a century-old Lowcountry dynasty, who has now been sentenced in both state and federal court for bank fraud, wire fraud, and conspiracy. For years, Laffitte wasn't just a banker — he was the engine behind Murdaugh's schemes. This episode goes inside the financial machinery of the Murdaugh empire. Laffitte approved illegal loans, drained conservatorship accounts, and siphoned money from some of the most vulnerable victims imaginable: grieving families, injured clients, and people who trusted the justice system. He didn't pull a trigger at Moselle — but he kept the money flowing long enough for Murdaugh to destroy countless lives. We examine how the fraud worked, why it continued for so long, and how small-town privilege and legacy allowed Laffitte to operate unchecked. Was he manipulated by Murdaugh's charm and pressure, or was he a fully willing architect of the deceit? His courtroom shift from defiant innocence to sudden guilty plea raises its own questions — and reveals how quickly loyalty evaporates when prison becomes real. Tony breaks down the biggest victims in the financial web, including the stolen settlements of Hakeem Pinckney, the Badger family, and others whose tragedies were exploited for profit. And we explore what Laffitte's sentencing means for the broader Murdaugh universe: Who else knew? Who else helped? And who might be next? If you thought the Murdaugh case was just about murder, this episode exposes the darker truth — that behind every monster is the person who keeps the machine running. #Murdaugh #RussellLaffitte #MurdaughMurders #TrueCrimePodcast #FinancialCrime #BankFraud #HiddenKillers #SouthCarolinaCrime #WhiteCollarCrime #PalmettoStateBank Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Episode 1867 - brought to you by our incredible sponsors: BUBS Naturals - For a limited time only, get 20% OFF at ⁠BUBSNaturals.com⁠ Collagen Peptides by using code HARDFACTOR at checkout RIDGE - Take advantage of Ridge's Biggest Sale of the Year and GET UP TO 47% Off by going to ⁠https://www.Ridge.com/HARDFACTOR⁠ #Ridgepod DaftKings - Download the DraftKings Casino app, sign up with code HARDFACTOR, and spin your favorite slots! The Crown is Yours - Gambling problem? Call one eight hundred GAMBLER Lucy - Level up your nicotine routine with Lucy. Go to Lucy.co/HARDFACTOR and use promo code (HARDFACTOR) to get 20% off your first order. Lucy has a 30-day refund policy if you change your mind This episode is a sampling of Florida Man Friday, available weekly at our Patreon. Patreon.com/hardfactor 00:00:00 Timestamps 00:01:00 Mark & Will New Year Resolutions 00:06:32 The worst husband and father of all time 00:18:50 Banker steals 500k from elderly disabled client 00:28:45 Insane nude meat market heist 00:35:39 Man shatters toilet at Outback Steakhouse Thank you for listening and supporting the pod! go to patreon.com/HardFactor to join our community, get access to discord chat, bonus pods, and much more - but Most importantly: HAGFD!! Learn more about your ad choices. Visit megaphone.fm/adchoices

THE AMATEUR SPIES AND THE 1934 DINNER Colleague Charles Spicer. In December 1934, Ernest Tennant, a British banker deeply scarred by the loss of friends and family in the First World War, attended a pivotal dinner in Berlin with Adolf Hitler and Joachim von Ribbentrop. Tennant, along with fellow protagonist Philip Conwell-Evans, sought to prevent another continental war by fostering closer ties between British and German society through organizations like the Anglo-German Fellowship. Ribbentrop, an Anglophile who had lived in London, used these social connections to move decision-makers closer to the Nazi leadership, exploiting the fact that the British government initially viewed Hitler with disdain and had not engaged him diplomatically. The narrative introduces the Travelers Clubin London as a hub for these internationalists and intelligence figures, setting the stage for a story of amateur espionage aimed at civilizing a regime that would eventually launch a predatory war. NUMBER 1 1945 NUREMBERG PROSECUTION

For years, gold was the asset nobody wanted to talk about. It sat there quietly while stocks and real estate continued to rip. Gold was for pessimists. For doomsayers and perma-bears.And then suddenly… gold didn't just wake up. It launched. As of mid-December 2025, spot gold is trading around $4,300–$4,400 an ounce, depending on the market, marking a gain of roughly 60% over the past year and pushing decisively into record territory. The obvious question is: why now? The short answer is that gold isn't reacting to one thing. It's responding to a stacking of pressures that have been quietly building for years and are now impossible to ignore.Start with central banks. For the better part of the last decade, central banks were net sellers or indifferent holders of gold. That changed dramatically after 2022. According to the World Gold Council, central banks have been buying gold at more than double the pace of the pre-COVID years, and 2025 continues that trend, with hundreds of tonnes added to reserves year-to-date. These aren't hedge funds chasing momentum. These are monetary authorities making deliberate, strategic decisions about what they trust to hold value. Why would central banks suddenly want more gold? Because geopolitics has re-entered the chat. We now live in a world where reserves can be frozen, payment systems can be weaponized, and “risk-free” assets depend heavily on political alignment. The World Bank has been explicit that rising geopolitical tensions and global uncertainty are key drivers of gold's surge this year. When trust in the global order erodes, gold benefits. At the same time, the U.S. dollar devaluation thesis is no longer fringe thinking. It is reality.Gold is priced in dollars, and when real yields fall and the dollar weakens, gold historically performs well. That dynamic is playing out again. Reuters has repeatedly pointed to a softer dollar and declining Treasury yields as near-term tailwinds for gold's rally . Bank of America's research echoes this relationship, emphasizing gold's inverse correlation to the dollar and the growing desire among nations to diversify away from dollar-centric reserves . In other words, gold isn't just going up because people are scared. It's going up because confidence in fiat discipline is eroding, slowly but persistently. So…Is gold still a buy or did we miss it? The truth is, both answers can be correct. Yes, gold is expensive relative to where it was a year ago. You don't go up 60% without pulling future returns forward. But what makes this cycle different is that many of the buyers driving demand are price-insensitive. Central banks don't care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. That's why major institutions aren't dismissing the move as a blow-off. Goldman Sachs has cited sustained central-bank demand and the potential for further ETF inflows as supportive of higher prices. J.P. Morgan continues to frame gold as a beneficiary of geopolitical instability and monetary uncertainty, and Bank of America is projecting prices as high as $5,000 an ounce into 2026. Of course, nothing goes up in a straight line. A shift toward tighter monetary policy or a sudden easing of global tensions could cool enthusiasm. Understand though, that gold's breakout isn't just about gold. There is a larger message that should be taken away from all of this. Hard money has come back into favor. Gold is the original hard asset. It's scarce, politically neutral, and has thousands of years of monetary credibility. But it's also heavy, difficult to move, and awkward in a digital world. Bitcoin exists on the same philosophical axis. Both gold and Bitcoin are reactions to the same problem: expanding debt, monetary dilution, and declining confidence in centralized control. Gold is the conservative expression of that view. Bitcoin is the aggressive one. Today, Bitcoin trades around $86,000, still volatile, still controversial, still misunderstood. But if gold's surge is signaling a regime shift toward hard assets, then Bitcoin may simply be earlier in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, when institutions start moving into the oldest form of sound money, they eventually begin exploring the newest. That's the signal worth paying attention to. So this week, I interview Dana Samuelson, an old friend of the show and an expert in everything gold and hard money. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Gold isn’t reacting to one thing, it’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. Welcome, everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you. From Montecito, California and today. Uh, before we begin, just a quick reminder. Uh, there is a, uh, website associated with this podcast called wealth formula.com. And, uh, that’s where you go to get deeply more deeply integrated into this community, including our accredited investor club, AKA investor club for you to join. And, uh, once you get onboarded, all you do is you, you have an opportunity to see private deal flow, uh, that, uh, is not available to the general public. If you are an accredited investor, meaning that you have, uh, make $200,000 per year or $300,000 per year, uh, for the last two years with the reasonable expectation of continuing to do so, or you have a million dollars outside of your personal residence, a net worth, then you are an accredited investor and. All you need to do is sign up and join the club. Just go to wealth formula.com and sign up and get onboarded. Now, let’s talk a little bit about something that has been extraordinary this year. It’s gold. You know, for years, gold was the asset that nobody wanted to talk about. I mean, it sat there quietly. Well, stocks and real estate continue to rip. Um. Gold really is really, you know, was for the pessimists. For the doomsayers and the perma bears. I mean, I, I gotta tell you, I kind of am was one of those people, right? And then suddenly gold didn’t just wake up. It, it totally launched, exploded in his mid-December 2025. Spot Gold is trading around, I know, 4300, 4400 an ounce, depending on the market, gaining roughly 60% over the past year. Pushing decisively into record territory. Now the obvious question is why now? Well, the short answer is that gold isn’t reacting to one thing. It’s actually responding to a stacking, uh, pressures, uh, that have been quietly building for years and, and really right now are impossible to ignore. And this is an interesting shift because. The thing is that in the old days, and I’m even talking about 15, 20 years ago, uh, you would look at gold as something that didn’t really go up when the stock market was doing well, right? It was kind of a reaction. It was a fear-based thing. It still is sort of a fear-based thing, but now it’s not just fear of, you know, whether the stock market’s gonna crash. It’s fear of geopolitical concerns. That’s where the central banks come in, right? So for the better part of the last decade, central banks were net sellers. Or really indifferent of holders of, of gold, and that changed dramatically after 2022. So according to World Gold Council, central banks have been buying gold at more than double the pace of the pre COVID years. And 2025 continued that trend with hundreds of tons, uh, added to reserves year to date Now. These are central banks. They’re not hedge funds chasing momentum, right? They’re monetary authorities and they’re making deliberate strategic decisions about what they trust to hold value. And why would central banks suddenly want more gold? Well, because again, geopolitics has reentered that chat. We live in a world now where reserves can be frozen, right? Payment systems can be weaponized. Risk-free assets depend heavily on political alignment. Now of course, I’m talking about the United States when I’m mentioning all those things, right? Uh, how we can kind of just freeze assets of Russia and that kind of thing. I’m not, uh, pro-Russia, I’m just pointing out the fact that. Countries don’t like it when you freeze their assets. Right? The World Bank, uh, has been explicit that rising geopolitical tensions and global uncertainty are the key drivers of gold surges this year. And when trust in the global Ory roads, of course that is now when gold benefits and at the same time, the US dollar devaluation thesis is no longer just kind of fringe thinking. It’s reality. No one, no one even bothers to pretend that that’s not happening. So gold is, uh, of course, priced in dollars and when real yields fall, uh, and the dollar weakens gold historically performs well so that that dynamic is playing out again as well. In fact, Reuters has repeatedly pointed to a softer dollar and declining treasury yields as near term tailwinds for Gold’s Rally Bank of America. Uh, their research shows, uh, this relationship emphasizing gold’s inverse correlation to the dollar and the growing desire among nations to diversify away from the dollar centric reserves. In other words, gold isn’t just going up because people are scared. It’s going up because confidence in the fiat discipline is eroding altogether slowly. Persistently. So the question is, is gold still a buyer? Did we miss it? I mean, I just mentioned that it just went up by like 60%, right? So that’s a tricky question. It really is. I could certainly see some volatility there. But here’s the thing. I mentioned that central banks were big buyer, right? Central banks don’t care if gold is up 20% or down 10% in a quarter. They care about long-term reserve integrity. So they’re a price insensitive buyer. Um, and that’s why major, major institutions aren’t dismissing the move, as you know, just a big blow off. Uh, Goldman Sachs cited sustain central bank demand, and the potential for further ETF inflows is supportive of higher prices. Banks, uh, like JP Morgan and um, and, and Bank of America. I mean, they’re continuously talking about how gold is a beneficiary of this geopolitical instability. Bank of America is projecting prices high as $5,000 a ounce in 2026. So that’s still a big move, right? Of course, nothing goes up in a straight line. So shift toward tighter monetary policy or sudden easing of global tensions. Well, I, I could, they could cool enthusiasm, right? The less fear in the world. Well, that isn’t. That’s not good for gold. I understand though that gold’s breakout isn’t just about gold. There’s a larger message that should be taken away from all of this, and that is that hard money, real assets have come back into favoring, and gold is the original hard asset. It’s scarce, it’s politically neutral, tens of thousands of years of monetary credibility, but it’s also heavy, difficult to move and awkward in a digital world. Now, of course you know where I’m going with that. I don’t wanna make every gold conversation conversation about Bitcoin, but just as a reminder, Bitcoin exists on that same philosophical access, right? Both gold and Bitcoin are reactions to the same problem. Expanding debt, monetary dilution, declining confidence and centralized control. Gold is the conservative, you know, version of that, the expression of that Bitcoin is the crazy youngster, the aggressive one. They’re, they’re following the same rails. And today Bitcoin trades around $86,000. It’s still volatile, still controversial, still misunderstood, and really, listen, the market cap is 2 trillion bucks. Um, you know, no asset that has ever reached $2 trillion. Market cap has ever gotten to zero. But on the other hand, there’s it, it’s pretty small, and you could still move those markets really quickly, and that’s why you’ve got volatility. But if gold surge is signaling a, a, a shift towards hard assets, it’s really hard to not see that. Uh, Bitcoin may simply be, uh, you know, early in that adoption curve. In other words, gold may be leading the parade. And if history is any guide, uh, when institutions start moving into that, you know, oldest form of sound money, they eventually begin exploring the newest. And that’s, that’s a signal. Worth paying attention to. Anyway, this week what we’re gonna really focus on though is gold and hard money. We’ll talk a little bit about Bitcoin as well. My guest is Dana Samuelson, who is. An old friend of the show, and we will have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbo charge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast ad Samuelson. He is been on the show before. He’s friend of the show. He is a professional. How do we see this numismatist since, uh, 1980. Working with some of the most influential, precious metals trading companies in the country. Before founding his own American Gold Exchange Incorporated in 1998. Uh, for nearly a decade, he was a personal protege of James U. Blanchard ii, one of the true giants of the industry, and the individual most responsible for re legalizing the private ownership of gold in the us. American Gold Exchange Inc. Is a national mail order, precious metals and rare coin dealership that makes competitive buy and sell markets in mainstream, modern, gold, silver, platinum, palladium, bullion coins and bars and classic pre 1933 US Gold and silver coins and World War ii European Gold coins. I don’t know if I left anything out, but welcome Dana. How are you doing? I’m doing great, buck. Thanks for having me back. I really appreciate it. Well, it was funny, we had a little conversation, uh, just before we started and I said, well, gosh, you know, uh, we’ve had you on the show before, maybe once, maybe twice. And, you know, and, and you, um, I think Apley described the gold market as watching paint dry. And I, I think that’s, I think that’s pretty adequate. Um, I mean, for, I mean, the last decade or so before this all happened. So, so let’s start talking about it. So, gold gold’s moved into price territory that, you know, very few people would’ve predicted even a couple years ago. So what, from your perspective, having lived lived through multiple gold cycles, what feels fundamentally different about this move? Uh, this market is a globally driven market and it’s focused on physical. There’s been a move into gold this year, and silver now platinum two. To a degree palladium, uh, in a physical level that we haven’t seen since the late seventies when we had the last really, you know, red hot market driven by fears over debt inflation. Geopolitics. Uh, you’ve got the bricks, nations that are trying to divorce themselves of the dollar, but they really can’t do it easily because there’s not a good viable alternative except for gold. And that’s been one of the leading drivers of this gold price surge that has really, you know, almost doubled in price since, uh, two years ago. A lot of it is, you know, underpinned by Central Bank Gold buying, you know, between 1950 and 2010, after the dollar became the world’s reserve currency backed by gold. And even after we un pegged the dollar to gold in the 1970s, 1971, central bankers had had gold on their, physically in their vaults from pre-World War ii when gold was money, uh, they shed that. From the 1950 all the way to 2010, they became net buyers after the great financial crisis due to the global debt explosion and primarily quantitative easing printing money outta thin air. But they were buy, they were modest buyers, you know, 500 tons a year until Russia invaded the Ukraine in 2022. And we sanctioned Russia and weaponized the dollar. The last four years, they bought, you know, almost a thousand tons of gold year or double. That really became material last year in price as the cumulative effects of their continually buying about a fifth of what the mines make every year started to really impact supplies and price movement. And now we’ve got President Trump this year, you know, throwing a monkey wrench into the World Trade order with his tariffs. And I think that that’s created a lot of uncertainty, some fear. And of course the debt just continues to go higher and higher. And now interest payments on our debt are over a trillion dollars for the first time ever. So debt servicing is starting to become problematic. The cumulative effects of all this have caused the, the people around the world, including central governments to buy gold at record rates. Um, but it’s not the phenomenon that’s happening in the United States. ’cause we don’t have a gold culture in our country, like almost every other country does. It’s interesting. Um, so what, you know, you’ve been talking about really is central banks around the world have it really been accumulating gold at levels we haven’t really seen in modern times. Right. And, and, uh, why do you think the US Central Bank. It doesn’t do the same because is it an admission of the debasement of the dollar? Because really the gold, gold is the anti dollar. I’ve always viewed it as the anti dollar maybe. Maybe that’s not the, you know, you may not agree with that a hundred percent, but I’ve always viewed it that way, and so why wouldn’t the US hedge and accumulate more? Well, we’re the world’s reserve currency. That Right. That’s, that’s created a paper culture in our, in our world. It’s now three generations old, right? Since 1945, when the dollar became the world’s reserve currency and we, the world went to a paper money standard instead of a gold money standard, which was the world’s standard from ancient times all the way till the 1930s. You know, the, our monetary system when the country was founded in 1793 was based on gold and silver coins. A copper penny was the size of a half dollar because that’s what one penny’s worth of copper was worth in 1793. Right. Um, you know, after World War ii, we had a couple things that the rest of the world didn’t have. We had a manufacturing, uh, industries that were, uh, unaffected by the, physically by the war. And we had, you know, the ability for markets to work properly, which should allow the dollar to become the world’s reserve currency. Backed by, you know, 8,200 some odd tons of gold, the biggest pile of gold that any country had. Actually, at that time it was more like 20,000 tons of gold. Uh, but by the time we got to the seventies and we un pegged from gold, we were down to about 8,000 tons. That’s still more than anybody else is supposed to have. I do think China could have more gold than that. Now they’re just not telling us they do. You know, officially they’ve got about 2,400 tons of gold, uh, and the second and third are, you know, 3000 tons of gold. So we, we still have a lot of gold. And there’s talk about auditing Fort Knox and monetizing it, but it only gets us about a trillion dollars. It’s not enough to really, you affect the 38 trillion, maybe pay the debt off for a year, or, you know, for six months. Six months, yeah. Something like that. Our, our debt is starting to matter too. You know, it’s doubled twice in the last 20 years. It gonna double again in the next 10 to 70 trillion, 78 trillion. People hear about the, the whole, uh, the bricks phenomena, right? And part of, part of what you were just discussing in the, uh, accumulation of gold. Explain that, explain what’s going on over there for people who aren’t paying attention, and you know how that is, how that is playing into all of this. Well, when we sanctioned Russia after they invaded the Ukraine. And seized their assets and threw them off of the Swift International Bank Transfer Payment System. We forced countries that were concerned that if they ran politically afoul of us, we could do the same to them. They forced them into thinking, oh, how do we get some independence from that vulnerability? Potential vulnerability? It’s not easy to replace the dollar. What they’ve, what they’ve been doing is replacing the Swift Bank transfer payment system with a payment transfer system of their own right so they can move money amongst themselves outside of the SWIFT system, number one. And since there isn’t a good viable alternative to the dollar, really the only other asset that makes sense is gold. Gold is a neutral asset. It’s not like you need it for oil or grain or steel. Nobody really needs gold, right? But it’s universally trusted. It’s immediately liquid, and it’s got a couple other things going for it that are unique. Number one, it has no counterparty risk. It’s one of the only assets. It isn’t simultaneously someone else’s liability. And number two, uh, gold in a vault can’t be seized or sanctioned. Right, so they’ve been going to gold, like they’ve been going to gold for, for centuries. It’s just, it hasn’t been that way since after World War ii. It’s a, it’s kinda like a back to the past kind of a situation. It’s sort of back to the future. It’s back to the past. That’s the allure for gold and the reason why they’re accumulating. In fact, they just launched their own currency unit called the unit. 40% backed by gold. The bricks nations have now it’s in its infancy and it’ll take a while for it to really, you know, work. But they’ve been building the components and the infrastructure to get to this point, creating the transfer of payment systems and all the components to go along with that so that they could announce something that they could use as a, as a settlement vehicle for trade, which is really what this is all about. And they’re backing at 40% by gold. Which is material and it’ll become bigger as time passes. Let’s, let’s try talk a little bit about that price movement. Huge. Um, is 60% in the last couple years, is that about right? This year alone, gold’s up 67% on a 12 month rolling basis, 67%. I mean, those are like bitcoin num, you know, type movements in the past. Right. They’re kind of crazy. So a lot of people are looking at those prices today and they’re thinking, well, I’m late to the party. Uh, are they late to the party? How do you, uh, what, what do you think’s going on there? I think the party’s about halfway through. We haven’t got to the late innings yet. I, I really do think this, and this is why this is the fourth major bull run in gold we’ve seen since we went off the gold standard in 1971. We had a a 20 to one run for gold in the seventies that was built on two oil shocks. 18% inflation and a crisis of confidence in the US then for the next 30 years. You know, 25 years a good part of my career. You know, watching gold was like watching paint dry. It traded routinely between three and $500 an ounce until we got into war, uh, following the nine 11 attacks, Iraq and I, Afghanistan, and we went into deficit spending. Then we had a second financial crisis when the great financial crisis hit another bull bull market in gold. Then we had COVID economic closures, another bull market in gold. Now we’ve got a fourth, but it’s lacking what the first three had, which was fear in the US over either economics or geopolitical events. So this gold price has essentially doubled since March or April of 2024. With no fear and a lot of complacency in the US markets. So my, my thinking is what happens if the economy slows down and, you know, the Fed’s gonna lower rates anyway. We know that’s coming with a new Fed chairman in the next five months, six months, number one, that’s good for gold. What happens if we go into a real economic slowdown and the Fed really has to drop rates, or God forbid, go to QE again, right? Or inflation rears its ugly head because the fed’s too accommodative in it. Situation where, you know, supplies are kind of tight still because of the monkey wrench, president Trump has thrown into the World Trade Order. You know, if we get fear in the US that’s when gold could go from 4,000 to, you know, 8,000. And I’m not saying that’s gonna happen, but I do think the trends have driven gold higher are not gonna change anytime soon. One of the things that you’re mentioning is those trends and like even. You know, in the last 15 years ago when I’ve been sort of involved in the investor world, the, the things that we talk about with trends with with gold have changed. I mean, usually you don’t see AI stocks going up with gold, right? Like, I mean, not that AI was around, but the point is tech stocks, that kind of thing. How is that thesis fundamentally changed? Um, I’m not quite sure I understand your question. Well, what I mean is like if gold was, gold used to be, I think it’s, you know, something again that people would buy when they were afraid of, of what’s going on in the equity markets. Right. Uh, that’s clearly not the case now. No, no, not at all. Right. Talk about that change. When did that change happen? How did it happen? This is a globally driven market. It’s not a US-centric market. This is fear around the world. You know, central banks started to underpin this market in 2022 when they stepped up their buying and doubled it. But this year, because of the uncertainty, uh, and some of the fear that President Trump’s tariffs and the way they’ve been deployed, kind of knee jerky, um, and inconsistently. Certainly not diplomatically, right? You know, it’s caused a lot of concern around the world. And for example, in April when President Trump announced the reciprocal tariffs on April 2nd, what happened? The bond market went into the complete dislocation, yields spiked from 4% to 4.5% in a week. The bond values tumble because investors started pulling money out of the, and taking it back home. Money that’d come in from Europe and Asia started to go back. So what did President Trump do? He pulled back the reciprocal tariffs on every country, but China and China said, well, we’re not gonna drop tariffs on you. And he said, well, we’ll ramp ’em up on you. So we went toe to toe with him. Until a week later, we were at 145% tariffs on China, and they were 125% on us. Well, if you’re a Chinese investor and you have real estate or stocks to invest in, and both of which have done badly since COVID or gold, what are you gonna do when your best customer suddenly says, Hey, we really don’t want your products, because that’s what 145% tariffs say to the Chinese. We don’t want your products. You can’t sell ’em here. You gotta go sell ’em somewhere else, but we’re their best customer. So they bought gold. They bought gold handover fist, and they drove the gold price up $500 by themselves during that month. That’s what I mean by fear outside of the us. Yeah. We don’t get it inside. Well, and and that’s fear outside of the markets too, right? I think that’s, that’s the fundamental shift I was trying to get at is true. It used to be that gold was, uh, gold would react on fear of the markets, but now there’s another level of fear, which is geopolitical. And it doesn’t seem like there’s any time soon that that’s gonna end. No, no. I, I, I’ve called it like a run on the bank only. It’s not a run on the bank of like George Bailey’s run on the bank and it’s a wonderful life. This is a run on the gold market, the physical gold and silver and platinum markets. That’s really what this is, and it’s a global rush to buy. And it’s not just central banks, it’s the public as well. Due to uncertainty, part of it’s fear of missing out now that we’ve had a big run in prices too. That’s FOMO in there too. That’s what I’m trying to, that’s part of what I was wondering too though, is like, you know, again, there’s people out there now who, um, are, are looking at this and they might even be listening to us going, gosh, yeah, it really makes sense and I happen to have no gold. What do I do? You know, what do I do now? Do I buy now? And, and I’ll, you know, and, and the next thing you know. I find out this was a frothy market and, and I’m down 20% for the next three years. I mean, that kind of thing. So I, I think it’s a, it is a tricky time, but, so that sort of, I guess, brings up when you think of gold, um, in a portfolio. I mean, you say, you’ve said in the past, it’s not about getting rich. Well, some people really did get rich this time. Uh, you said it’s about preserving wealth, right? So how should investors think about Gold’s role alongside stocks, real estate, and other assets right now? Well, even I think JP Morgan Chase has said this year, you know, instead of a 60 40 portfolio, you should have a 60 20 20 portfolio with 20% bonds and 20% precious metals. Gold in particular, because of what’s been happening. And now we don’t have a gold culture in our country, like most every other country does. So most Americans don’t get it. And that’s part of. We’ve ingrained because the dollar is the world’s reserve currency and it insulates us from currency shocks in commodity pricing primarily. Uh, without that insulation, you know, they might think things a little bit differently, but you know, any good financial planner will say you should have a little bit of precious metals as part of your portfolio, uh, as a hedge against financial uncertainty. And it certainly worked perfectly well during the great financial crisis. And when COVID hit because. Gold tends to counter cyclically, perform in price against stocks and bonds, and it’s always liquid. Now, you’re a real estate investor, you understand real estate. What couldn’t you get in 2009 alone? Right? Bankers wouldn’t give anybody money, right? But if you had gold, you could get liquidity, right? And gold, you know, almost doubled between 2008 and 2011 at the same time when most assets were dropping 50%. That’s an insurance policy for the rest of your money. That’s why I said, look, it’s a way to preserve wealth and have a hedge against financial uncertainty. But in the market that we’re in now, you know, having more than just the, the minimum, which is five to 10% of assets as a, you know, potentially an investment instead of just an insurance policy. That makes sense. But you’re right, you could buy and you could, you know, tie up money that won’t produce anything for a couple years, maybe longer. You also have an insurance policy in case the wheels do come off like they did during the great financial crisis or during COVID. Yeah. Yeah. I was listening to, uh, another podcast. I listened to the, these, uh, guys, the All In podcast, and, uh, Tucker Carlson was on there, and apparently he’s a, you know, huge, uh, physical gold guy. And, and he said, and I, I think he was serious. He said he buries it in his backyard and then he spreads a bunch of, um. Uh, a bunch of, you know, silver beads, uh, out there too, like, just in case no one can like, use a medical metal detector and find it is gold. Uh, let’s talk about that nuance of, of physical gold versus, you know, buying ETFs and all that stuff. What’s your take? I mean, what, what do you tell people when they say, well, gosh, you know, uh, it might be hard for me to store that gold and, and why shouldn’t I just get an ETF and, and talk a little bit about that? Well, I trade ETFs in my IRA account. When I think the, when I think I can harness price movement, that’s what I use ETFs for. You know, they’re a paper representation of gold, uh, that you can trade at the click of a button, physical gold. Is valuable. It’s, you have to find a place to store it. It’s pretty inert, so you can, you can bury it in your backyard, keep the elements out of it, but then there’s some risk there because it could be found, it could be stolen, so you do have to store it somewhere. You can put it in a bank safe deposit box, but I don’t really recommend that because what happens if there’s a banking holiday and you can’t get to it? So having a home safe or maybe, you know, maybe bearing it in the backyard. Is an option if that’s what you wanna do. Or there are independent professionally run storage facilities. There’s a few of ’em around the country that are run by precious metals dealers that are, you know, big entities. Uh uh. So I think they’re trustworthy and they certainly have the ability to service and aren’t properly insured. So that if something happens, you know your value is protected. And that’s primarily what you pay for as a storage fee is a percentage of value. Not so much number ounces that you have there, but the value percentage, because it is an insurance, uh, related value, right? The value goes up, they’ve gotta get more insurance so they get a higher storage fee for that same amount of metal if the value increases, which is unlike other assets. So I do have a couple of those I recommend that are run by professional. Companies that have been in business for years that we know would trust and have performed perfectly. If you wanna store, um, physical metal now gold is compact. You know, a hundred ounces is smaller than a paperback novel and it’s $450,000 worth of value today. You could, I could literally have one bar in each one of my coat pockets and be walking around with almost a million bucks in my pockets, and no one would know. Silver. You know, silver creates a bigger problem because it takes 70 ounces of silver to equal an ounce of gold. So there’s a lot more volume involved and a lot more weight, which is why sometimes these facilities make more sense if you wanna store something that’s more bulky like silver. But if you’re gonna store gold somewhere, that’s not easy to find. You wanna make sure somebody you trust behind you knows where it’s just in case something happens to you. Right? Yeah. Um. What, um, how difficult is it, uh, Dana, for someone to, I guess, say they wanna sell, say maybe they need to sell one of those bricks in your pocket there? Uh, and, and, um, is that a, um, a process that, I mean, it’s, you know, it’s not as easy as clicking a button at that point, right? But to make sure that you get the best possible price for your gold and all that, I mean, you’re not gonna go to a pawn shop and. Oh, that, so like, I, I’m just curious on the mechanics of that. ’cause I’ve, you know, I’ve, I’ve never sold, you know, physical gold for anything. So, so our, our company’s a physical dealer. We’re a hybrid between Amazon and a financial institution. And that, uh, we sell something online or over the telephone. The price is always changing on a minute by minute basis, but it’s like you’re buying shoes. It’s just, you know, you don’t quite know what the price is gonna be. So we physically, you know, figure out which product you should purchase, what’s best for you, and then we ship it to you if you want to sell it, it’s just the reverse of the transaction. You have to present it for delivery, which means you have to ship it back to, uh, your dealer, or, you know, physically deliver to them, and you get paid immediately upon delivery. So, um, you know, we, we do business like a financial institution. You can call us up, place a transaction over the phone. Uh, if it’s a smaller transaction, we’ll do that without deposit funds. If it’s a bigger transaction, we don’t know, you will want funds first, but once we lock in, that’s the price. Just like when you buy stock and then you pay the balance or, or we ship you the merchandise, whichever comes first. Um. You get it, inspect it, make sure you, you got what you’re supposed to get. In fact, it, you know, in the last two years with this gold price just climbing higher and higher, we’ve got a lot of clients that are complacent. They like the stock market that’s been hitting record highs, uh, and they’ve been shedding gold. We’ve actually bought more gold as an industry, not just our company, but as an industry in the last year than we’ve bought in a single year in 20 years. So it’s very easy to reverse the transaction. But what I would tell you. For your listeners is, and this is important, you should buy sovereign minted products, gold ounces, silver ounces, one ounce gold coins. They’re really just round bars made by the US Mint, the Royal Canadian Mint, the British Royal Mint. The Austrian Mint instead of refinery made. One ounce bars or 10 ounce bars or kilo bars of gold because we have a modest but growing problem with Chinese counterfeits. The Chinese can take tungsten and plate it with gold and pass it off as reel, and they can do that much better with refinery made bars that have plain design pictures stamped onto them. They can replicate those very well, but they cannot replicate the intricate pictures. The US Mint or the Canadian Mint, or the Austrian mint, British royal mint stamp onto that one ounce gold coin. We call it a coin. It’s just a round bar made by a mint that struck with dyes like a coin. And all of the mints around the world have introduced minute anti-counterfeiting design elements into the picture that they stamp on their coins to deter Chinese counterfeits. And it’s working. So the most important thing is, you know, do business with a reputable dealer that’s been around a long time, that has a good reputation, not a, not some new entity, right? You wanna find a, a trusted member of the community and develop a relationship that makes buying again or selling very easy. Once you have a relationship with a dealer, and we know the product you’ve purchased, we’ll take it back very easily. Uh, silver is, you know, people talk a lot about it in the context of, you know, the lump it with gold but has very different characteristics. Um, how do you think about silver today? I love silver today. Uh, it’s, it’s a metal at times as hard to love because every time it makes a big gain, it can give it up pretty easily. It’s more volatile than gold, but gold’s about 90% monetary metal in 10%. Commodity metal silver’s about 50 50, but what silver has going for it is, uh, a couple of unique characteristics that virtually no other metal comes, uh, as close to, which is conductivity of heat and electricity. Silver is amazing in that it’s the best at conducting both heat and electricity. I’ve got a one ounce silver coin on my desk here, and if you take this coin and hold it between your fingers and take an ice cube. You can literally cut that ice cube in half in about 6, 7, 8 seconds with a pure silver coin because the heat from your fingers gets transmitted to the coin and goes right through the ice cube. That’s just a simple example of how conductive silver is for temperature, and we have a structural supply deficit in the silver market that we’ve had for about five years now, where the industry. Is consuming more silver than comes out of the ground on an annual basis. So we’re eating into the above ground supply. Uh, so fundamentally that’s the supply and demand equation favor silver. Uh, plus because gold is moved up so much in price, silver is getting a rotation into it because it’s underperformed relative to gold until just recently where it’s played catch pretty sharply in just the last three or four months. If you measure. How many ounces of gold, uh, how many ounces of silver it takes to equal an ounce of gold, the gold to silver ratio back in April. That was a hundred to one, you know, which was an extreme. Today that ratio is a, is a little under 70 to one. It’s 67, 68 to one. So silver has played up in ketchup in price. Where is that historically? Uh, well. Normally it’s between about 40 to one and 80 to one with about 60 to one as the, as the pivot point where it’s in, they’re in equilibrium. But in the last four or five years with gold leading and silver lagging, we’ve routinely been in the 85 to 90 to one range. Uh, and we actually hit a hundred to one in April of this year, uh, which was the highest it’s been, um, except for when we had a kind of a knee jerk in the medals during COVID, which was an anomaly. Uh, didn’t last. So, but anyway. Silver is playing ketchup because it’s been undervalued relative to gold. Um, and we’ve seen, you know, people that wanna be in the metals, but think gold’s a little expensive. They’ve rotated out of gold, and we’ve seen some of that money move into silver and also into platinum. Now, platinum was under a thousand dollars this time of year ago, and it’s almost $1,900 announced today. So it’s almost platinum’s up, uh, almost a hundred percent now. This year where silver’s up 120% this year and a lot of this demand is driven globally. We’ve seen huge demand in silver in India this year because gold is so, has become so expensive, and that’s what I mean by a global run on the, on the bank. It’s not just China, Japan, it’s India too, and Europe as well. Physical buying and et f buying ETFs are available around the world in precious metals now that really haven’t been very impactful until this year. Um, but that’s what the world’s doing, you know? No discussion these days on gold is complete without at least mentioning Bitcoin. Uh, you know, and, and it’s, it’s interesting because, um, you know, even within the, uh, uh, gold world, I mean, there’s, there’s some prominent people who are really bought in to Bitcoin. Like I, Lawrence Lepert has been on the show multiple times now, and Larry’s all in. Um, just curious as a, you know, as a gold person, what do you see where, what do you see the role or do you not believe in this thing? Do you believe it is a, a parallel? Um, I, there’s so many things that you say about gold. That I’m like, yeah, you can say that about Bitcoin too and carry, you know, millions of dollars in your pocket. You can, you know, it’s, uh, there’s a very little amount of it. Um, obviously it’s new, right? Gold has been around for, since the beginning of time and, and now we’ve got 2009 for Bitcoin. What is your view? How are you seeing it? May, how are your colleagues seeing it in the gold space? Well, a couple different points to make here. Um, you know, when, when Bitcoin came out in 20 10, 20 11, you know, one of my friends in the, in the precious metals business told me I should buy it when it was 20 bucks and I didn’t get it. So I didn’t do it, and that was a big mistake on my part. But Bitcoin has one advantage that no other currency or gold has, which you can move serious money over borders easily. You’re right, you can carry it around in your pocket, in your wallet and, um, you know, you carry a lot of value around and transfer it at the, you know, click of a button. And no co counterparty risk, just like you said with gold, right? Yeah. Well, there’s some modest counterparty risk with, with bitcoin that you, you have counterparty risk with gold and theft as well. Um. Bitcoin is volatile. It’s, you know, it’s, it’s very volatile. It’s still the speculative investment. I mean, it was 124,000, you know, four months ago, and now it’s about 85,000, 90,000. So there’s volatility there that gold doesn’t have. But more importantly, what I’ve seen in my career is a generational divide. The older, older people, you know, 45 and older, like gold and silver. Younger people that grew up with phones in their hands like Bitcoin. The volatility in Bitcoin that we’ve seen in these two big selloff cycles in Bitcoin have not the first one, but the second one have helped to bring some of those younger people into the stability of gold, especially in the year when gold is doing pretty well. ’cause it then it kind of has a little bit of that Bitcoin allure, which is, you know, get rich quick. But, um. Bitcoin’s volatile, but it’s here to stay and it is now the most respected cryptocurrency. Like I almost bought Ethereum, you know, 10 years ago when one of my friends was explaining both to me and said that Ethereum basically had better fundamentals. But you know, it’s kind of inventing, it’s kinda like investing in a. What, uh, beta, beta max instead of VHS back in the day. Some of the older people remember that. You bet on the wrong horse, you know? Yeah, exactly. Well, you’ve, uh, you know, you built this, uh, firm on transparency, integrity, uh, in an industry that doesn’t always have the best reputation. Right? So for investors who decide that precious metals belong in their portfolio. Uh, how can they get a hold of you? Well, our website is, uh, A-M-E-R-G-O-L d.com. Uh, we don’t have, you know, 10,000 items on our website. We have a, we have a small listing of what available products are because we stick with mainstream items, products that are primarily easy to sell, uh, competitively priced, widely traded, and easily understood. Um, uh. Uh, email address is info I nfo@amggold.com. Uh, we have a toll, toll free number 806 1 3 9 3 2 3. Uh, we’re consultative in nature. We’ll, we’ll answer any questions. Happily, gladly, uh, no transactions too small or too large. What we really wanna do, uh, is help people because if we do that, we help ourselves. And when you treat people right, it, it comes back. And our industry does have a chair of bad actors. And, um, you, you wanna make sure that you do business with someone reputable that’s been in the industry a long time. And I understand some people may wanna do this locally where they can actually walk into a place of business. Do this instead of over the phone. So look for dealers that have, you know, longstanding, uh, businesses and good reputations. If you see a reputation that, uh, has some complaints, you know, there are other choices for you. But, um, we just try and help people buck. That’s really what we try and do. We certainly have the reputation for it. Dana. So thank you so much for being on Wellfor podcast. Well, thanks for having me. It’s great to see you again, and I wish you a great success in 2026 and a happy holiday season. You too. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to Show England. Hope you enjoyed it and, uh, I will. Uh, I should admit though, that if you go back and you listen on my, uh, past shows, this is one that I was wrong on. I, I’ve never been a gold bug. My biggest issue with gold. Um, has always been, you know, from an investment thesis that it doesn’t really do anything, doesn’t yield anything, and what’s the point of owning it rather than owning, uh, real estate. And actually, if you just look at what I said, it’s, it’s still, it’s still, it’s still kind of true, right? I mean, you can argue, well, yeah, the real estate markets really did, uh, did struggle over the last couple years. But listen, at the end of the day. The real estate market struggled because of leverage, right? Gold. There’s no leverage, no one’s borrowing, buying gold on leverage, and so it can go up and down and it doesn’t really hurt anybody. If you take the last couple decades and you know how much people made from, uh, real estate versus Bitcoin, even though there’s this huge, uh, huge uptick in Bitcoin now it’s, it’s probably the case that they come out pretty close. If not, uh, you know, real estate still being the winner. But anyway, uh, I do want to say and admit that I was wrong. That, uh, that the gold wasn’t really worth, uh, owning. I think, uh, you know, I wish I had owned some, just like a lot of people wish they’d own Bitcoin at $6,000, right? Um, in fact, I will say that one of the things in hindsight that I think of is gold in many ways for the last several years was on sale. And I haven’t really been talking about this as much, but I’ve been reflecting on this a great deal about making sure that as an investor you wake yourself up once in a while and ask, okay, well, what’s on sale? Well, gold was on sale for a while. Silver was definitely on sale. Right? Um, doesn’t mean you have to go in, have, you know, 50% of your portfolio in something like that, but when something’s on sale, it’s not a bad idea to look around. And maybe get, you know, get a little bit of exposure. I do think that real estate is there right now. I think real estate, you know, if you’re in the credit investor group, you’re seeing on a routine basis 30%, uh, discounted offerings from just a couple years ago. And I do think that’s on sale right now. But there are other things as well, arguably. I mean, I, I actually think that Bitcoin is, uh, uh, sort of on sale right now. I mean, sitting at 86,000, anybody who thinks it’s not gonna go to a hundred thousand at some point in the next, you know, 12 months is, I mean, I think it’s highly unlikely that it doesn’t go to a hundred thousand, right? So think about that right now. That’s like a 14% gain right then and there. Anyway, sometimes it’s good to just look around and see what’s on sale. Uh, that’s my message for this week. Uh, this is Buck Joffrey with Wealth Formula Podcast signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

In this Short Suck, we dive into the almost-forgotten story of The Business Plot - when a group of powerful bankers and corporate bigwigs allegedly tried to recruit one of America's most decorated Marines, Smedley Butler, to lead a fascist coup against President Franklin D. Roosevelt. We'll sift through testimony, shady alliances, and a very convenient death to ask: how close did the U.S. actually come to going full fascist in the 1930s?For Merch and everything else Bad Magic related, head to: https://www.badmagicproductions.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.