This is Dr. Dre, one of the greatest rappers that ever lived:
He put what I am going to say into three simple words:
Be independent, nigga
Lyrics from the song “Bitch Niggaz”
A few weeks back I wrote about a spiritual path to escaping totalitarian powers:
This is not for everyone, sadly.
This article, however, is about simple, practical grassroots ways to topple the feudalistic century-old system of control and exploitation, so masterfully executed by a handful of mostly Jewish banker families, led by the Rothschild dynasty.
Over the past few hundred years, they have built a system that is now secretly exploiting almost 99% of humanity. If you don’t know what I am talking about, it is time to make yourself familiar with the amazing work of
. Below is his latest article about revealing the greatest and most sophisticated exploitations ever deployed on humankind.As he said in the article, you have to put your big boy and big girl thinking cap on to read his stuff. It takes days to get through all his incredible writings…..just follow the footnotes.
Anyway, it is debt and interest that enslaves us all on a personal, national and global scale.
A few examples.
Recently there was a Substack regarding how the Australian Westpac Bank and Commonwealth Bank mandated over 76.000 employees to take the vaccine. The article described the terrible dilemma many families faced: No jab, no job. No job, no mortgage payments and food and so on.
My family had the same situation. My wife, the main bread earner, was also mandated and took two jabs. She grudedly complied. The main reason was our mortgage payments.
My proposal is straightforward: If we all stop borrowing money, the bankers go bankrupt. Instead, we save first and then buy. And we demand the same from our governments. Of course, this is not a new concept, although it might be a strange thought for most people under forty.
But that’s how I was brought up. My father always said: Don’t borrow money, don’t lend money. And especially not to friends. It will ruin your friendship.
Save first, then buy and you stay free. Borrow and you become a slave.
The only exception he made was borrowing money to build a house. That was after saving for 20 years towards it. But it still wasn’t enough. He wanted a nicer and flasher house than he could afford. So he borrowed too.
To keep paying the mortgage he continued in a well-paying but stressful job - even after he should have slowed down for health reasons. A weakness turned into a problem. The problem turned into incurable cancer. The End.
Of course, it is pure speculation. May he have lived longer without the stress of financial obligations and personal ambitions of success and wealth? May he have lived a more spiritual and heartfelt life without it? I don’t know, but I believe so.
I followed his example of not borrowing money to the point. I never borrowed any money, except for a house. I cut up all credit cards many years ago too.
At one stage, we sold that house and moved to Australia. There we bought another house. We had about $420.000 cash and could have purchased a modest house and lived mortgage-free, but we bought one for $616.000 near the beach and ended up with a $200.000 mortgage.
This is relatively small by Australian standards. At the time, the interest rates were under 2% and we could easily afford that mortgage. Now it is 6%. Three times as much.
We know several couples in their early thirties that have $800.000 mortgages. When they built their 1 Million house they had no children and the interest rate was 2%. Now they have a child and the interest rate is 6%. Their stress level is going through the roof. They live and work like slaves.
We have friends who own a house. When their mortgage was about 40% of their house’s value, they bought a rental property as an investment. A few years later, they used their superannuation money as a down payment for a second rental property. That’s how you create wealth in Australia. Many people do it like that.
Both have well-paying jobs but also have almost 1 Million worth of mortgages.
Then the interest rates tripled. Suddenly, an extra $40.000 per year was needed to pay for it. They had to earn around $60.000 to $70.000 to pay that. Together they earn probably around $170.000 before tax, an eyewatering income for most people. But they have to work like slaves and take every jab mandated. They can not afford to lose a job.
Another young single man in his thirties I know, went through a difficult relationship break-up and possibly over-compensated with buying a $80.000 car, borrowing $60.000 on a ridiculously high interest rate and having no option to pay it back in a lump sum.
He sentenced himself to four years of slavery, having to pay $400 weekly for that car. Previously he was a free man. He had no dependents, worked a casual job, enjoyed many outdoor hobbies and stood up against his boss whenever a stupid demand was put on him. He also successfully pushed through several pay rises with the threat of leaving.
Now, instead of surfing or snowboarding, he has to do weekend shifts and kowtow to his boss. The thrill of the new car faded off within a few months. We do create our own misery, no doubt. And it is often related to unchecked desires and greed.
I am sure, all these stories sound very familiar to most of you.
There is talk that this is a deliberate scheme by the bankers at the top of the slave pyramid to drive the house prices into the ground, inflation to the max and then buy up all these private properties for peanuts and rent them back to us.
By 2030, you will own nothing and be happy.
Klaus Schwab, WEF
I believe the first part.
I could direct my anger and disgust against these hidden greedy monsters. But that doesn’t get me anywhere. I can’t directly beat or escape them. And no magic hero will appear either. No Jesus and no Robert Kennedy and no Robert Malone will be able to save us from them.
Emancipate yourself from mental slavery, only ourselves can free our minds.
Bob Marley
I think we all need to have a hard look in the mirror. It was our own greed and desire that sold us into this debt slavery in the first place. And it all starts with a mental slavery before it becomes a physical slavery.
The mental slavery is the indoctrination from day one and the resulting core belief that we need to have a lot of things to make us happy in life. Not only to have them but to have them now.
When “to have” becomes more important than “to be”, we are in trouble.
I worry tremendously about owning money to a soulless heartless bank, only interested in their profits, that owns the title of our house. I am worried about less and less oversight of these banks and increasing government corruption that is supposed to keep us safe from their abuse of power.
I worry about our jobs now, needed to keep our house. Our jobs depend on a big government organisation and a multi-national company.
My job also depends on free-floating available money in the population because it is not an essential service I provide. A recession or a gradual further cost of living increase could wipe out the demand for my job. Government cuts could wipe out my wife’s job.
I love our house. It is nothing grand or flashy, almost 50 years old, but homely and in a lovely location bordering native bush and only a five-minute stroll from a stunning beach in a small village. It is also a fantastic investment if things proceed normally.
But there is a new normal looming worldwide that doesn’t have the well-being and prosperity of the broad population in mind. My wife thinks I am too paranoid. She doesn’t read what I read. She must sense something though, because she wants to get rid of the mortgage quickly. So we pay an extra $300 per week.
But even at that rate, it will take at least seven more years to be mortgage-free. That brings us to 2031. This is one year past the 2030 deadline of the Great Reset.
So what can be done?
I am considering selling while we still come out with a profit and downgrade. I am considering buying an acre or two of land and rebuilding simple and off the grid with the ability to be self-sufficient if needed. I think survival.
I think of having savings - but not in the bank. I think of investing the savings into something solid that helps survival. We can’t eat money.
In the 1920ties, the German currency was practically wiped out within a year and almost all Germans lost all their life savings. If it can happen once, it can happen again.
According to some sources and historical researchers, this wasn’t a coincidence. It was manufactured by who? You guessed it. The big puppet masters in the background, of course. See the below article for more on this topic:
I am thinking all this but I am not ready to act. And my wife is even less ready. We might regret our hesitation one day. There is always the hope - against all hope - that things normalize again. There is hope that the relentless squeeze of the past years will ease off again for a while.
These are difficult decisions and I retreat to my spiritual practices and a calm mind to do this properly. Critical thinking has to go in line with universal trust. The mind alone can’t solve these problems.
Many people think they can’t become more self-sufficient because they can’t buy a piece of land somewhere. However, there are many forms of self-sufficiency. Self-sufficiency is the same as independence. We will never be entirely independent, of course. We depend on nature and other people around us.
To reduce the extreme debt enslavement of billions of people must be the first step to more freedom and independence. Therefore, self-sufficiency and the inner peace that comes with it can be achieved with a wide range of actions:
Have a hard look at our desires and greed. What do we really need and what is materialistic over-compensation for a straved emotional and spiritual life or a soulless unfulfilling job?
Do we need all the clutter we accumulated over a lifetime? Isn’t this a good time to sell it as long we still find buyers?
Could we pay off debts faster than we do?
Are we considering jobs that might pay less but are safer, less enslaving and more fulfilling?
Are we considering jobs that cover essential needs and are always required, rather than fancy jobs in big bubble trendy industries? I am talking about producing real goods and essential services.
Are we doing enough to nourish and rebuild essential mutually supportive relationships and communities that can be relied on during an emergency?
Are we learning new survival skills, like growing food, and making basic food like bread, butter etc? We don’t need to live on a farm to be more self-sufficient. Permaculture has great books on urban gardens, vertical gardens, balcony gardens etc. Shouldn’t we establish these gardens before we need them?
Shouldn’t we become less dependent on transport, because energy and fuel will get very expensive in a crisis? Shouldn’t we invest in wooden stoves for heating and cooking now, while we have the funds? And buy a chainsaw and learn how to make firewood? Plant fast-growing firewood trees if we have some space. Consider a maybe lesser-paid, essential job in our neighbourhood that doesn’t require a car.
There is much more. Purchase survival self-help books for more ideas.
The beauty of all this is that all these measures lead us to a richer, more creative, more diverse and more interesting life that is more fulfilling and step-by-step decreases dependency. If many people do their little parts and network they create a safety net independent from corrupt state agencies and greedy banks. That’s what we did for thousands of years before we got seduced and pushed into debt dependency and consumerism.
So if all this doomsday talk is just this, doomsday talk, none of the measures above will be a waste at all. Crises or no crises - following the path to more independence and personal agency will better our lives. Less debt and clutter will better our lives. More meaningful relationships we can rely on will better our lives. More humility will better our lives.
Be independent, nigga.
I have had several mortgages over the years - I was never comfortable owing that much money so each time sold the house & paid out the debt. Have settled for a small dwelling in a small town for which we were able to pay cash. The relief of not owing a mortgage, or paying rent, is about as close to freedom as I think I will achieve.
Thanks for the kind words, Ma Mu. I very much agree with your advice to live beneath one's means and try to become more self-sufficient in whatever way one can.
My only substantive comment is about the distortion effect that lending/expansion of credit has on markets; in other words, the introduction of lending into a sector results in rapid price appreciation which can quite quickly price out people from that sector who do not accept the burden of debt. We have seen this certainly in the housing market; even if one saves a lot of money it becomes close to impossible to actually buy a home without taking out large mortgage, then one becomes "house poor" and lives to service the debt with all the stress that involves...this is ultimately because of the free flow of credit into the housing sector, but not many people understand this... I am sorry to hear about your father and the stress that caused him....
This same principle is true of higher education and other goods and services as discussed in this great post in the context of government involvement in general: https://www.aei.org/carpe-diem/chart-of-the-day-or-century/ (housing costs don't look terrible in the post but have risen enormously since it was written in 2018). This is the pernicious influence of credit based economies...