Stay Free
Good Morning my Girl,
I had some time before my first appointment today, so I wanted to write you something that I really wish my parents had taught me when I was just starting out on my own. It wasn’t their fault, it’s just that they never received a financial education themselves or faced enough economic pain to force them to seek out the information for themselves. I have.
Times were different when my parents were your age. A family could thrive on a father’s single income, and he didn’t even need to have a professional, high paying job. This lesson is about personal finances and your only shot at true freedom in this life. I hope you take it seriously.
This material is intentionally not taught in public schools. Here’s the thing: The government, corporations, and the banks that together control how much of your stored work energy (money) you get to keep each payday, do not want free-thinking and educated people. They want obedient workers
that show up when the bell rings, stay at their desks, pay their taxes, and get into housing, student loan and consumer (credit card) debt, so they are forced to stay on the treadmill and feed the financial elite. The problem is that by the time most people feel enough economic pain, take the time to do the research, and realize that they are essentially slaves, it is too late to do anything about it. My hope in writing this is that you will know that there is a way to avoid this slavery. Or at least spend as little of your adult life in it as possible. Everybody has to work, but there is a way to make sure that you are constantly moving away from the slave system and keeping your
options open to spend your days doing what you WANT to do, not just what you MUST do. With
the government continuing to tighten the noose and about to introduce programmable money that they can turn on and off if they don’t like the way you are living, it is going to be extremely
important for people your age to build an escape route.
All the introductory information above is meant to give you some background for what is really a single thing that I want you to know:
The only way to achieve freedom from theft and slavery in this life is not by working in a job and saving in dollars, but to acquire things that grow in value over time, and hold them till the time is right to spend or sell.
The way the system is currently set up for people that have jobs, is for their food, shelter, taxes,
inflation and debt payments (credit cards/loans/car payments) to use up all of their paycheque every two weeks so that they are trapped in their work. Add to these things the responsibility of supporting a family, and you quickly find yourself with no choice but to stay in the same place; working hard but not actually moving toward freedom.
The first step in avoiding this trap is to avoid as many of these things as possible, so that you end up with a little money left over to acquire assets that grow in value while you sleep, so that your wealth grows even when you are not clocked in at your job.
Here is, item by item, how to avoid the things above that can trap you:
Employment
Obviously a job is necessary if you don’t have the money or an idea that allows you to start your own business. If you do have an idea for a business or a side hustle, then go for it. Especially
when you are young. The best starter ways to “be your own boss” is to provide services for
people that don’t require you to buy a lot of expensive things to start, or things that get you into
debt in order to start. They can be really simple things, like odd jobs, yard care, cutting hair, caring for animals, personal fitness training, etc.
Taxes
Provide services to others that allow you to get paid in a way that you do not have to tell the government about. (Cash, Bitcoin, or tradeable items that you need to live). Educate yourself on ways to do this, but to still "look good on paper” at tax time each year, so you don’t attract the attention of the tax man and get locked up. Don’t accept cheques or direct deposits to your bank ie things
that leave a record, for any money that you want to hide.
Inflation
Most people think that inflation is the natural increase in the price of things over time. It is not
natural. It is theft by a hidden tax that you did not agree to. The reason that things are getting more expensive every year is NOT that companies are being greedy and charging more to make more profit. It is because the government is continually increasing the money supply (printing
dollars) and watering down what the remaining dollars in circulation are worth. Including the
ones under your mattress or in a safe. The way to avoid this trap is to get paid in and save in
money that can’t be printed. Things like gold, silver, and Bitcoin. Here is an example of how
sneaky theft by inflation is: If, when I was born, someone gave my parents $1000 cash as a gift
for when I was older, that same $1000 would only buy what $100 would buy today. Back then, $1000 would buy enough groceries to feed a large family for 3 months. Now, it would buy a single bag of groceries or a dinner out. It’s crazy! Money supply inflation is JUST complicated enough and JUST gradual enough that people don’t notice it.
Debt
One of the biggest traps to avoid that will stand in the way of having enough left over each month to acquire appreciating assets (things that rise in value), is debt. Examples are student loans, car loans, credit cards, personal loans, and buying things that have monthly payments. As much as possible, try to avoid credit cards or taking out loans to buy things that you can do without. One of the best things that I have seen you do (and one of many that has made me so proud) was seeing you work so hard to buy your first car and NOT go into debt to do it. That was very smart. When you take out a loan to buy something, the company or the bank that gives you the money expect you to pay back the amount that you borrowed, PLUS extra money called interest. So the thing you are buying ends up costing you double what the original price tag was, depending on the interest % and the length of the loan. Take our hot tub for example. That hot tub cost $13,500. We took a loan to get it. With interest, by the time it was paid off, that same hot tub cost us nearly $20,000! The same thing goes for furniture, electronics, toys, quads, sleds, etc. If you can’t afford something, save up for it. Don’t take out a loan for it.
Appreciating Assets
(Things to put your savings in, that grow in value over time and give you a place to store your
hard work energy in a way that cannot be stolen):
Gold
Physical gold that you have in your hand has continually risen in value for over 3000 years. The
only downside is that a single one ounce gold coin is now worth over $5500. It takes a while to save up that much to buy one. Then you have to keep it safe from theft or loss. If you put it in a safe deposit box at the bank and the bank has problems, you may lose access to it.
Silver
Silver is much the same as gold in terms of its money properties, but is way more affordable. It has
tripled in value since 2010. Silver 1oz coins can be acquired pretty easily at a dealer, but you still have to keep them safe and lug them around without them being lost or stolen.
Bitcoin
The great thing about Bitcoin is that you can acquire it in really small pieces. Even if you only
have $20 left over on payday, you can buy some Sats (small parts of a Bitcoin) and squirrel them
away, protected by a hardware wallet. They are weightless, can be sent across the world or accessed anywhere in
seconds, and as long as you protect your 12 or 24 word seed phrase, they can never be stolen.
It is worth learning how to buy and self custody Bitcoin. You can learn how to use a service like Bitcoin Well or Bull Bitcoin
(places to buy Bitcoin) easily on their websites. You can also learn how to buy privately from other Bitcoiners using various services. You can learn how to use a Cold Card and metal plates to protect your seed words from videos on BTC Sessions’ Youtube channel. I can teach you
everything you need to get started.
Land (and no, not houses that fall apart)
If you make enough money from the assets above, you can eventually get some land. Land, even though you never truly own it in Canada because of annual property taxes, gives you a place to go if the whole world goes sideways. Or if the government really gets even more out of hand than it already is. If it is good land, it will rise in value and you can sell it off as a whole or in pieces if you need to. It is worth doing some research on how to pick a piece of land that has everything you need on it to survive. Water, good soil, animal pasture, harvestable trees, etc. It is also worth doing some research on what kinds of land and locations are most likely to rise in value.
These are about the best things available now that have proven to be appreciating assets.
A Note on Cash
Even though the value of cash decreases about 12% each year, it is still worth having a couple
thousand dollars always available in small bills so you can still buy things if the banks get closed
like they did after WW1, or if there is temporary social unrest.
A Note on Where You Choose to Live
In the 54 years that I have been alive, the Canadian government has taken away many of our rights and erased the average family’s chance to achieve financial freedom. And it is only getting worse. Taxes and prices continue to rise. The money printer is on overdrive. Young people no longer have a chance to buy a house or start a family, and with the digital ID and digital dollar that they are planning to launch soon, the control will be complete. Once cash money goes away and a digital programmable money is introduced, the government will have 100% visibility and control over every purchase you make. They will be able to turn your money on and off with the flick of a switch. They will be able to set limits on how much of certain items you purchase each month. If you complain on social media about them, they will be able to turn off your wallet and your ability to buy food and fuel. Many
Canadians that have wealth are getting passports and citizenship in countries like that are not farming their people like cattle. Taxes are low. There are fewer rules. The people are happy and friendly. With the direction that Canada is heading, I would highly recommend that you start researching places to go where you will not be trapped and have
your dreams stolen. I would personally leave Canada right now if I hadn’t learned so much of what I have written here too late.
Anyway, I hope you get something out of this writing. I would feel guilty, knowing what I know now, if I didn’t share with you some secrets to being free and not living your life as a tax slave. Number one, have faith that God will lead you in the right direction. I love you.