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Jan. 13, 2024 - Blood Money
56:24
The Financial Advisor For Patriots with Joseph Lombardi
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Outro All right, welcome to the latest episode of blood money Today we have a very special guest, Joseph Lombardi.
How you doing, sir? Good, how you doing, buddy?
Great to have you on the show. I just found out you're related to Vince Lombardi, which is like the coolest thing I've ever heard.
Pretty close relation too, right?
Yeah, my grandfather's brother was his brother.
Awesome, awesome. So for the viewers out there, what Joseph does is he actually teaches people how to...
You know, essentially protect our money from the government, the different ways of doing so.
So, you know, Joseph, why don't you tell us a little bit about, you know, some of your credentials, highlights, you know, you've been named, you know, quite a few things.
I mean, tell us, you know, tell us about what's been going on in terms of your accolades.
Yeah, so I've been in business for 20 years.
I have 1,600 clients.
On two of my strategies, I've done about $950 million in.
I have books written on Amazon, one being Being Your Own Bank.
My second book coming out is There's a Better Way than a 401k.
It should be out in a couple weeks.
I was featured in International Business Times.
I was featured in Business Insider.
I was on the cover of the top 40 advisors in the country under 40 years old.
Five star rated on Google.
A plus rating on the Better Business Bureau.
My goal is just to help my clients save as much money in taxes.
In retirement, and I can say that I've never charged a client a dollar in 20 years and I've never lost a client a dollar in 20 years.
So I take the best strategies of insurance, the best strategies of investments, and I put them together so that my clients are safe, protected, and have a financial foundation.
That is awesome. That is awesome.
Let's talk a little bit about protecting your money from the government.
You actually had a great quote.
I'm trying to recall what you said in terms of what's the best way to describe your specialty.
It basically just comes down to keeping more of the money in your pocket and out of the government's pocket because people think that IRAs, 401Ks, SEPs, Simples, Pension, Deferred Comp, 403Bs are a good strategy.
But long term, if taxes don't go up, knowing we owe $33.1 trillion, another $250 trillion in Social Security, Medicare, and unfunded liabilities like the military, tax are going to go through the roof.
So, if taxes don't go up, every dollar you write off is going to cost you $8 to $10 in 20 or 30 years just with inflation.
Then you might increase taxation.
It's going to cost you $20 to $30 for every dollar you write off today.
So, there are strategies called Rich Person's Roth.
A lot of Forbes articles on that.
Infinite Banking, Be Your Own Bank, strategy I've been doing for 20 years, which has now become popular.
But it's really being your own bank, which is the first book I've written, was having the ability to have access to your retirement money and not handcuffing it for 20, 30, 40 years like most Americans do.
Because what most of my clients do is they leverage it.
They leverage it to buy real estate, they leverage it to Buy assets when the market is down 20, 30, 40, 50% and everybody else's money is tied up.
I mean, I had a client in 2009.
He bought Harley at $12 and sold it at $140.
He turned $200,000 into $2.4 million within 15 months because he had access to the account we set up for him.
So it's diversifying your liquidity, diversifying your market exposure, and diversifying your taxation, which most Americans don't do.
And then when there's an emergency or an opportunity, they just get hammered with market loss, 10% penalty, federal tax, state tax.
They literally get a less than a third of their money if they need it pre-retirement.
And with my strategy, they have access to all their cash.
Oh wow, so tell me about like what does that entail being your own bank?
So it entails utilizing different IRS codes, one being section 7702, which again you can google, which is building a legitimate non-MAC overfunded life insurance policy.
Because what is a 401k?
It's just a wrapper with rules.
What is life insurance using it as an asset?
It's a wrapper with rules.
So if you take a look at a 401k, what is its rules?
Well, 12B1 fee, Class A share fund fee, money management fee, annual account fee, 59 and a half year rule, 10% penalty, fully tied to the market, could get sued, could get taken in divorce, right?
Disclosable on the FAFSA form.
And then you take a look at my strategy, right?
The overfunded life insurance strategy is Sue proof in some states, divorce proof in some states, liquid, non-market correlated, guaranteed growth.
The only fees you have is your long-term care, life, disability, chronic illness, terminal illness, which you should have anyway if you have a family or a business.
So you're actually getting something for your fees instead of paying all these fees to the Wall Street and paying somebody's Lamborghini.
So I tell my clients, do you want your fees to go to pay for Lamborghini or do you want your fees to actually protect your family and build a financial foundation for your business or yourself?
Well, I mean, is this the sort of thing that you learn by going to school?
I mean, how did you get on this track?
No. Kind of secret.
Okay, so before we start, I remember mentioning, oh, is this trust?
Because that's one of the things I've heard about and learned about by watching countless videos where you build, you know, these trusts that are in the private, like it's like completely private, removed from any, you know, potential lawsuits.
Nobody, and it's very hard to break the shield between a person and trust and you become the benefactor of So I had heard about that sort of thing, and that always felt like secret knowledge to me.
And what you're telling me right now also falls into that category of something that you probably have to figure out yourself.
Well, there's something in life insurance called HIPAA, right?
We learned about that in COVID, right?
HIPAA is a law that prevents anybody, whether it's a creditor, whether it's somebody who wants to see you, from finding out what you have in that account.
So do you think that wealthy people have all their money open to the public or that wealthy people hide?
Their money. Do you think wealthy people have taxable assets where the government's going to take half?
Or what did you hear about even somebody like Donald Trump?
He brags about paying no taxes.
He uses these strategies.
So it's a strategy that is legal.
It's a loophole. And like even, you know, Trump said, hey, Hillary, if you want to have this loophole closed, close it.
But what did he say? All our rich friends use it.
So, you know, I work with a lot of wealthy people, and I'll tell you right now, they don't own 401ks, IRAs, subscriptions, or pensions.
So it's a really high-end strategy that I bring to the blue-collar market.
Wow, that's awesome. So you said blue collar market, which is interesting there.
So you're saying that one of your agendas is you do this for the regular Joes as opposed to the elite, more or less?
Yeah, I mean, common sense would say work with the richest people because we make percentages.
So if you bring in a million dollars versus bringing in $10,000, you're doing the same work, so get the million.
But I'm very blessed in my career, being a top producer, having so much, you know, clients and different residuals coming in that I'm now really trying to educate and motivate, you know, the normal market.
I mean, my father owned J.B. Lombardi Builders.
He was a contractor and he fell three stories off a ladder, lost a $25 million construction company.
And he had no disability.
And then shortly after that, my mom, she died of strokes to liver from alcoholism at 52 years old.
She died a month before my first child was born.
Then my grandmother had a stroke, led to dementia, and she lost $3.8 million to a nursing home in Fairfield, Connecticut.
She had no long-term care.
So people go through all these emotional, you know, atrocities or traumas.
And then on top of it, you take away all their money.
You know, if you fail to plan, your plan is to fail.
So having that foundation is vital to having protection, having security, having safety.
And most people just put all their money in risk, whether it's at the casino, right?
They're popping a ball over the place, whether it's at DraftKings, which, you know, I work with them and I'm on all the commercials nationwide for that company.
But, you know, people just usually...
Put it in risk and hope it goes well.
And when it doesn't, you know, they're broke.
And most of my wealthy clients play the long game.
They don't play the short game because who wins the race from elementary school, the turtle or the hare, right?
Mm-hmm. The Torres wins the race.
Yep, yep. So let me ask you, like in terms of, you know, like a regular person that's making like 32 grand a year, do these options exist for them?
It's really tough.
You know, unfortunately, something along the lines of 52% of Americans can't even afford a new set of tires, a $500 bill tomorrow.
So the question is, why doesn't everybody do it?
Well, the answer to it is very simply that not everybody can afford To put money away in retirement.
I mean, I have clients who make $400,000 a year and they have no retirement.
So it's something that is, we're taught instant gratification, right?
If you want a car, what do you do?
You get a car note. You want a house, get a mortgage.
You want college, get student loans.
You're broke and you want a TV, you get a Best Buy credit card, right?
We're trained on instant gratification because what is debt?
Debt is a tool to enslave us, right?
It's why they call it the master card.
It owns us. And you end up borrowing a dollar and paying back five dollars with interest.
And, you know, that's robbery and stealing.
Can the average person do this?
No. I mean, they have $30,000 in credit cards at $29.99.
I've turned away 20-30% of people who want to do this because it makes no sense if you're high in debt paying 30% interest.
I can't make you 30% on your money.
Yeah. Finance 101 is what?
Buy low, sell high.
And finance 102 is what?
Make more money on the money that you lend or invest in the money that you borrow or loan.
And I can't get my clients 29.99.
I mean, I have a strategy to get my clients over 14% over the last 10 years where I roll over people's 401ks or IRAs into.
I mean, that's very popular and you can't lose using calls put stops and warrants and contracts.
But in regards to the average Joe, it's very difficult for them to invest money, let alone keep up with inflation.
I mean, inflation was up 3.6% in August.
It's going insane.
There was so much money printed in COVID. And what did the market do in the last five days?
It's down 5%.
Why? Why is the market down?
Well, all this money is drying up.
All this free money that baby daddy Biden gave us, it's all drying up.
And then what are people doing?
Well, gas is up, food is up, cost of living is up, rent is up month after month after month after month for what?
Three years in a row, which is history.
Gas is up after the summer for the first time in history, right?
So we're going into two issues.
We're going into inflation and we're going into increased taxation.
And if you don't have a plan to combat that, You're going to get smoked.
If all you have is your house and a 401k, both of those are taxable.
Both of those are illiquid, right?
So you're going to be paying crazy fees, crazy taxes.
If you don't have the ability to be your own bank, if there's an opportunity or an emergency, you're going to be left behind while the wealthy keep getting wealthier and the poor keep getting poorer.
So you need to build some strategy and have a plan.
What did one of the most popular presidents say?
If you fail to plan, you're plans to fail.
And so many Americans fail to plan.
Yeah, yeah. Now, let me ask you on that level.
We've had quite a few individuals interviewed on this show that think that you said you're going to get smoked if you don't plan, right?
A lot of people think our economy is going to get smoked.
Period. Because like you said, we're $33 trillion in debt.
Inflation is through the roof.
And I don't think there's ever been a precedent for a country this much in debt as we are now.
When you look at other similarities, you're looking at Germany in the early 1920s where they're Deutschmark became worth nothing, literally rolling around with a barrel full of them that you can't even get a loaf of bread for.
Some people think it's going in that direction.
I'm just wondering. You're a bright mind.
You figured out things that a lot of people don't know.
What do you think this is all going?
What does the financial future hold in the next few years?
Well, I mean, I'm doing millions and millions and millions of dollars of my clients' money rollover weekly into that strategy where you can't lose.
You know, I look at the car market, for example, right?
That's usually the head of the snake, right?
We had COVID. We had a supply and demand that was inverted, meaning there was so much supply, so many dollars chasing too few goods, right?
Supply was low, demand was high.
So that bursted the car market.
Cars were selling $10,000, $20,000 over sticker.
G-Wagons were selling $50,000 over sticker, right?
So what happened in the last few years is as that money dried up and as the plants reopened, more product of Hondas and Civics and Toyotas and Chevys were produced.
And now we have an inverted to what was 2020.
We have way more.
Go to your local car dealership.
A year ago, it was bare.
Now it's full. So what's going to happen is we've already seen repos go up 1600%, meaning people that had all that money bought all these toys.
They can't afford these toys.
They all got stolen or repoed back.
We're going to start to see car market drop.
And if you look historically, whenever there's a down market, right?
2020, 2008, 2001, it goes on.
Every decade had at least one or two down.
For every five years, we're supposed to have one.
And we've been very blessed because the government just prints money to infinity when there's something wrong, but they can't do that forever.
So, as the car market starts to go down, next to follow is the housing market.
I mean, look at houses, right? Six months from now, you'll be like, oh, I knew the housing market was going to go down.
Well, did you? I mean, people are still buying houses, a hundred, two hundred grand over value.
They're paying seven, eight percent, which people don't understand the difference of three percent or eight percent.
Like a half a million dollar, 30 year loan, it's like doubles your payment for the same amount of house.
So the housing market is going to be next.
After the housing market comes the stock market, and then after the stock market comes the housing market again, right?
So every indicator is saying that the market is going to have a recession.
Every indicator is saying there's nothing positive in the American economy that can change what Is happening right now, which is, you know, not great.
As I said before, in the last five days, the market's down 5%.
It's not good.
So people are looking for alternatives.
They're saying, listen, I need to make money.
I need to cover all this high inflation, but I can't take a 40% loss and a 7% compounding inflation annually, which is more than that in the last 12 months.
So what do I do?
So what you do is you build a hybrid of an insurance product and an investment product.
You get a fixed, indexed, deferred, single premium annuity, and you have the fixed, which guarantees you not to lose.
And then you have the index, which puts you in a company like U.S. Fundamentals, Global Alliance, S&P 500, and they give you a multiplier of whatever the fund does on a point-to-point system.
I mean, the worst 10-year history in this is 14%.
So it's a very safe way for wealthy people to invest their money long term, you know, six, ten years.
But I mean, the last two years, it's averaged 55%.
Last two years.
Yes, I can prove it to you if you want.
So it's a super safe strategy because what they're doing is they're buying contracts.
They're buying calls, puts, stops, warrants on your index funds.
And they're finding low volatility index funds where it's very cheap.
To buy a contract, right?
It's very expensive to buy a contract in the S&P 500 because it goes up and down like crazy.
So they find safer assets that move, you know, they've been averaging 5%, 8%, but you're getting a 3.5 multiplier of that.
Now that changes that to 15% to 20%, 25%.
Because what you're doing with your money, instead of giving all your fees, again, inside of your 401k IRA, simple pension, instead of paying all those fees to Wall Street, what you're doing is you're paying a 1% fee to an insurance company to buy you more contracts on your investment.
This strategy has been around 20 years, but it hasn't hit mainstream because all the super wealthy people we're using it.
So why are we going to tell the peasants?
Have them keep funding 401ks, which is how we make our cost down.
Because every time somebody makes a 401k, government makes money.
So it's a huge part of our GDP is the 401k system.
So they're not trying to advertise that.
So now you have to try and find, well, have you ever seen a commercial on TV that advertises a product?
I haven't.
What do they do? They sponsor, right?
What does MetLife sponsor? Oh, the Giants and the Jet, MetLife Stadium.
What does Northwestern Mutual sponsor?
Oh, the NCAA tournament.
Right? So, insurance and investment companies aren't allowed to show you a product on TV, even though they can sell you poison on TV. You know, a GMO, fed food, and they can have, you know, you have a headache?
Oh, well, buy this medication.
It's going to cause death and, you know, paraplegic.
They can sell you that all day long on TV, but they're not allowed to sell you financial instruments.
I wonder why that is.
Number one is they don't want you investing in financial instruments because they don't want you financially free.
They want you to be a slave.
Number two is they make a lot of money selling those government-sponsored funds.
How much competition is there in a 401k?
Do you have the country of China or Australia or Canada saying invest in our 401k?
No. It's one company, the United States of America, by the way, is a company if you research it, selling you one product with no competition.
That's called a monopoly.
And do monopolies do the best thing for their clients?
No, they don't have to. They have no competition.
So they're going to have fees, 10% penalties, fully illiquid.
They're going to tell you when you can touch your money.
They're going to slap your hand like a child if you need access to your own money.
What do you need? Do you need to be dead?
Do you need to be disabled?
Do you need a foreclosure letter to access the money I put in the account?
Yeah, let me sign up for that.
And Americans just blindly sign up for it.
And nobody really retires from 401ks if you take a look at it.
So if you understand how the game is run, and I've been working in Manhattan, I've talked to millionaires, I have clients who are millionaires, I have companies I work with that are billion dollar companies.
I understand what the game is because I've been living it for two decades.
So what I try and do is bring that knowledge to my clients and say, don't do qualified, do non-qualified.
Okay, well, what's non-qualified?
That's non-tax. How many options are there?
There's only three. There's only three ways legally that you could put a dollar in, have it grow tax-free, and have it come out to you tax-free.
One is a Roth IRA. But most of my clients make over $175,000 a year, and you can only max that $7,500 a year.
And plus it's a liquid year, 59 and a half.
And do you know if you take a distribution out of a Roth IRA, you have to pay federal tax, state tax, and the 10% penalty on a tax-free retirement account.
How did that work out, right?
So then you have municipal bonds.
Bonds and interest rates are inverse.
So as interest rates go up, bonds go down.
Why hasn't anybody owned bonds really in the last six to seven years?
Well, interest rates were zero and then now they're spiking up.
So bonds isn't a good place to put your money.
That only leaves cash value life insurance as your only legal way to do a rich person's Roth.
And you don't have to be rich to do this.
But it's called, again, you can look this up on Forbes.
There's tons of articles on it.
I've written a book on it. Rich person's Roth, or RPR, is the strategy that very wealthy, successful people utilize because it gives you all the things that every other asset doesn't.
Liquidity, low cost if you're insurable, non-market correlated, can't lose when the market crashes.
I mean, think about this.
When the market corrects, drops 20, 30, 40, 50, 60 points.
Do you want to be sitting there with a bunch of cash and buy whatever you want at discount, whether it's real estate, whether it's a vehicle, whether it's a competing company, that now you could buy them out because they're going bankrupt.
You could buy all their guys, buy all their tools for what?
Pennies on the dollar? Well, can you do that with an IRA, a SEP, a 401k, a traditional profit sharing?
You can't. So this is what the millionaires and billionaires use.
And God forbid you die.
Now you're leaving a legacy to your family.
God forbid you get disabled. It's fully funded.
God forbid you need long-term care.
You have access to hundreds of thousands of dollars annually tax-free, so you're not liquidating hard assets, which costs you double the cost if you need long-term care when you're older.
So these are all the conversations nobody's having because it's too morbid for the American people.
We can't even talk about politics without somebody going nuts.
We can't talk about gender without somebody going nuts.
So how are we going to talk about money?
How are we going to talk about death?
How are we going to talk about needing care?
How are we going to talk about getting disabled?
Right? That's the whole point.
If we get rid of freedom of speech, you do what the government says.
Be your good little peasant.
So you have to find, it doesn't have to be me, you have to find somebody who actually knows the code, IRS rules, strategies, options, and you want to be with a broker.
You don't want to be with somebody who works at a company, because they can only sell you that one company product.
When I worked at MetLife, Guardian, MassMutual, and Northwestern Mutual, I was brainwashed that they're the best company.
And do you think my sales manager is going to want me to sell cheap, commissionable products?
Or is he going to train me to sell the highest commissionable product that may or may not be the best strategy for the client?
You got to understand psychology.
You have to understand how it operates, how it works.
I own my own business.
I'm what you call a master broker.
I have access to hundreds of carriers.
That allows me to do the right thing for my client, not the right thing for the company that owns me.
So it's a total paradigm shift when you take a look at what to do, why to do it, how to do it, how to build it, what company.
It's not as cut and dry that, oh, I'm just going to buy this one product and they're all the same because I guarantee you they are not the same.
Yeah. Wow.
Wow. Man, this is amazing information.
Let me ask you. Is it a matter of just hiring somebody like you to essentially be the financial advisor?
Is there books that people should read to be able to understand these worlds a little bit better?
Why do you advise people that are just getting into these concepts?
I advise people to have open minds, right?
If you go online and you type in, I don't know, pick a singer, Carrie Underwood, and you type in Carrie Underwood scam, there's going to be tons of information on why Carrie Underwood is not a real person or a lizard person or a scam.
If you type in Carrie Underwood...
Great! There's going to be tons of articles that she's great.
So the problem is there's too much information and there's too much conflicting information.
So what they try and do is hit you with paralysis.
If you type in any of my strategies in the word scam, there's tons of information on it.
If you type in 401k and scam, there's tons of information on it.
There's too much information.
So what you have to do is find somebody you trust.
Somebody that has a good track record.
Somebody that doesn't have complaints.
Somebody that's been doing it for a long time, successfully doing it for a long time.
And find somebody, and again, it doesn't have to be me.
My goal is just to get this word out so that you can definitely try and find a way to stop doing what the masses are doing, because if you do what all the sheep do...
You're not going to succeed.
You got to find what the lions are doing.
You got to find what the winners are doing, right?
So it's where do you find this information?
Unfortunately, there's very few avenues to find it.
That's why I'm writing a lot of books.
I'm trying to get five books out by the end of this year.
One on long-term care, 401ks, infinite banking, be your own bank, you know, taxes, budgeting, because there's a lot of misinformation out there.
And it's difficult to know what's true and not.
So it comes down to the trust factor.
You know, you like trust and respect your advisor.
Do you think they're doing the right thing for you?
Or do you think they're doing the right thing for them?
And unfortunately, just like a used car salesman, financial advisors are looked in a bad light because we do know more than the average customer.
We could take advantage of their ignorance and money.
And some people do.
But what my strategy does is I actually reduce my fees by 50 to 70% because I don't just sell 6 or 10 a year.
I sell 6 or 10 a week.
So it's a different paradigm shift when you're working with a top guy who wants to do the right thing for you.
It's not about money, which I know sounds cliche, but my residuals pay my lifestyle.
I have 1,600 clients. I don't have to work.
I'm just trying to get the information out there to say, listen, There's the right way and the wrong way.
You're doing the right thing, meaning saving for retirement, having some life insurance, having some disability, some long-term care.
You're doing the right thing.
You're just doing it the wrong way.
Yeah. Awesome, brother.
Awesome. Is there anything...
Well, actually, I'm curious.
Are you concerned?
I was about to say, is there anything you didn't mention that you'd like to mention in closing?
But I do have one more question.
Are you concerned about which direction this country is heading in?
Because it seems as though, I guess, capitalism, the concepts that we're talking about, there seems to be kind of a push towards...
A more socialistic mindset?
Is that something that concerns you at all?
Of course it concerns me.
My freedom is everything. Freedom for my children, you know, is very, very, very important to me.
You know, being conservative, you need something to conserve, right?
So you have all these people that have nothing, that want free stuff because they have nothing to conserve.
And they'll follow whatever master tells them they can have free stuff because they're lazy.
They don't want to work. So I'm very concerned with the war that's going to come up because we have BRICS, right?
That's just added two more countries.
It was, I forgot the other one, but it was with Egypt.
They just were added, I believe it was today or yesterday.
So they're growing. That's 40% of the world's GDP is now joining BRICS. And they're going to back their money by gold, something that we should have never gone off of the gold standard.
But, you know, greedy people do horrible things.
So we are going to have a fight on our hands, whether the fight is we take it sitting down, which we're Americans.
You know, I don't see us bowing to the BRICS nation and say, we want to join, you know.
I look at it where our monetary system is protected by military, and we have the strongest military in the world.
No matter what you say. Oh, it's China, it's this, that.
Do your research, right?
So, I do believe a war is coming, and that is not good for my children, right?
I don't want a draft. However, you have to fight for what you believe in, and at least if there was a war, we're not doing it to kill children overseas for oil.
You know, we'd be fighting for our independence again, and it would be nice to have something to bring us together because the powers that be divide us in every way possible.
Race, gender, sports football team, religion, class.
So, you know, I believe there will be a war, and especially if the Democrats Yeah.
Yeah. See, he's dropping bomb on children, taking over different regimes.
If you really look at it, we're brainwashed, we're Americans, and we do no wrong, but we've done a lot of heinous things.
When I say we, I mean our government.
We didn't do anything, but we're looked at as Bad, bad country.
And we've seen a lot here.
And we've done a lot of atrocities throughout the world.
So I'm pro-America all the way, but you've got to understand how other countries see us.
And that's very hard for people to do, is take a step back and see the perspective of the other person.
That's why politics were shooting people.
Because I'm red, I'm blue, poof, you have to die.
Instead of actually having conversations.
So it's...
It's really sad where we're going.
We have that big risk to worry about.
We have this debt risk to worry about.
You know, we have the education system that's failed us for decades.
They don't even teach kids how to balance a checkbook.
They give kids half a million dollar loans at 18 years old when their college is 250, which is hyperinflated.
Now you have a 19-year-old or an 18-year-old with 100k in cash.
That's not going to end well.
That's why Bitcoin went so high because all these college kids were like, oh, let's just dump all our money in Bitcoin, double it so we get more beer.
Our whole system is wrong.
We're on a debt-based system.
We're on a welfare system.
We're on reward bad behavior system.
And we need to get back to working hard and coming together.
And I don't want to sit here as a hippie and sing kumbaya, but there's a lot of things that we need to do that we're not doing.
And we're pointing fingers.
We're blaming the other side. It's Republicans' fault.
It's Democrats' fault. It's the rich people's fault.
It's the poor people's fault. Instead of sitting there and trying to come up with solutions, we are trained to be victims.
And if we're victims, we're never going to be held accountable for our actions.
We're never going to be held accountable for what we do.
And it's very important that you have the ability to come together and fight a common enemy than it is to create enemies within people that don't agree with you.
Yeah. Let me ask you about them.
So, you know, in terms of the war, right, it sounded like you were talking about potentially two different wars.
There are one potential civil war if the, you know, 24 turns out to be another Democrat president and the potential war with BRICS nations.
I mean, could you clarify what you meant by wars?
Yeah, I mean, I see both of those as risks.
I mean, if the truth comes out, That they rigged the elections, which if they'd done it in other countries, which they told us, yeah, we overthrew this country, we illegally put in this dictator.
If you look at different documents, it's out there if you look for it.
Why wouldn't they do that here?
Right? Yeah. And every president besides Trump has a bloodline to the, was it the King of England?
I mean, I mess all this stuff up.
But there's some sort of bloodline where every single president but Trump had.
How come we have a president right now who can't speak a coherent sentence and nobody's talking bad about him on the internet?
There's not NBC, CSM, CNN saying he's a horrible president.
We need somebody who can actually speak English.
We need somebody who can actually understand.
They're not saying anything. Trump was a horrible person, even though he won the NCAA award for the least racist person on the planet.
And then two years later, he's the most racist person in the world, says media.
It's sad. So yes, there's two fronts.
There's the division, which is getting worse and worse, and it's going to be worse around politic time against election time.
It's going to get real bad, and maybe that's the time they strike us.
I mean, if I was the enemy, I'm going to do it the time where my enemy is so disorganized and so...
Incoherated and angry with something else to attack.
I mean, you got to really take a look at that.
So it could be simultaneously.
Again, I'm a crystal ball.
Who am I? I'm just some financial guy.
But I look at trends. I look at trends in the market.
I look at trends in the economy. I take a look at what's going on and I say, okay, well, what is a most common outcome?
Well, if it's found out that there are legitimately ringing elections, which you can argue they have, and Americans realize our vote does not count.
It does not matter. Then we live in a world, or at least a country, where we have no voice, right?
Because they're trying to silence us.
They're shutting down all opposition to the vaccine, to COVID. If you have an opinion that's not mainstream, you're demonetized, you're shut down.
So what is the most likely outcome if and when we find out our elections are rigged and our vote doesn't matter?
I mean, what else is there besides civil war?
We're trying to fight whoever is, you know, pulling the strings, whether it's the seven richest families who own the Federal Reserve, because people don't even understand that we don't even own our own money system.
The Federal Reserve, the seven richest families own us, and people don't understand that the United States owns us.
When we're born, our Social Security number is, we are a piece of property to our country.
That's why they can stick vaccines in us and shut us down and keep us quiet.
And nobody owns land.
Nobody owns cars. I have to pay property tax on a house that I paid off.
So I still got to pay $15,000 a year on a house that I own.
Because you can own the house and own the land.
I can own the car, but I still got to pay $1,500 a year, $2,000 a year on car tax to park my own car in my driveway.
It's paid off though. So what people don't understand, once that veil is lifted, From what's really going on in my world, whether you call it a matrix, whether you call it a simulation, whatever the heck you call it.
When you lift that and you understand that we are cattle and we need to be working together.
We need to be coming together.
We need to be finding ways by laws to make our world better.
What they do is they pin us against each other.
Look at this hand, look at this hand, and then this hand is hurting you and you have no idea what's going on and where it's coming from.
It's not just the economy and finance and how do I make the most money.
It's deeper than that.
To me, that's important because I work hard for my money.
I have children. I want to make sure they have the opportunities I never had.
I grew up very poor. That was my passion, to protect people and provide a good quality of life for my family.
But what good is it if we go to civil war?
What good is it if another country tries to invade us?
So we need peace.
We need to stop putting our nose in other countries' business.
And we need to solve the problems we have here.
Yeah. We're sending billions and billions and tens of billions and hundreds of billions over to a country.
And what is the result of that?
Do you know how many people are dead?
Do you know how many hundreds of thousands of people are dead on both sides?
Yeah, yeah. For what?
For what? Yeah.
So that they can sell their bullets, their guns, their bulletproof vests, their goggles, their equipment, their missiles, and they can make money on both sides?
Mm-hmm. And we just, what, sit there, and when it gets retaliated to us, and our community's on fire, and our children are dying with nothing to do with it, it's really sad.
Not one person can change the world, but it's really important that we at least talk openly.
This isn't a video we can have on YouTube, right?
So we have to be able to speak openly to what's going on.
And I love these alternative platforms.
And by the way, it just became the video we can't have on YouTube about 10 minutes ago, but it's all good.
You can cut it. You can cut it, right?
I know, man. Let's not put it on YouTube, you know?
It's funny because a lot of things you mentioned are things we talked about a lot and I think you were insinuating this that you know for the viewers you know it's very important the viewers understand some of the concepts that we're talking about right when we say that you know uh people citizens are chattel right and by the way tell me if you agree or disagree with this stuff uh joseph after i say because i'm not trying to speak for you but i think this is the stuff you're talking about Where, you know, our birth certificate is essentially a contract with the government.
Our citizenship is a contract with the government.
Our citizenship basically means that we're citizen minimus, which is the lowest level of citizen, which is basically chattel, which is basically a slave level of what is called citizenship.
Citizen actually means slave, according to some of these episodes that we've done.
I'm just recounting some of the facts we've heard on or some of the...
Statements we've heard on other episodes.
And so, you know, then that's tied into your social security number.
And essentially, that's what you are.
You're basically owned by the state, more or less.
Now, Joseph, tell me, is that generally what you're talking about earlier?
I mean, the United States is a corporation.
When the Fed Reserve came in, I believe it was 1917 to 1927.
I'm really bad with numbers, but somewhere in that 1913, I think.
Thank you.
You know, when the United States Corporation was sold, it was bought by the Rothschilds, JPMorgan Chase, Oppenheimer.
It was bought, you know, and again, it's probably being sold to BlackRock right now because BlackRock's net worth is more than the entire GDP of the country, meaning all the money they steal from us, or I mean taxes we pay.
Doesn't even add up to the net worth of BlackRock in one year.
So, I mean, it's getting to the point where the kings and the oligarchies and then the peasants.
I mean, you've seen those YouTube videos or those TikTok videos that say, you know, we make less money now than we did during the Great Depression.
If you account for inflation.
So it's, what are we doing?
We're so disorganized.
We're so not together.
We fight over everything.
I mean, I was at the Dolphins Pats game Monday night, 50 yard line first row, brought my kid, he's a Dolphins fan, and my wife and my other children.
And the guy got killed.
He got punched in the face and died over a football game.
I don't know if you heard about that. Are you serious?
Somebody in the audience? Yeah, in the upper deck.
I didn't hold it for 25 years, and he's dead.
Because he got punched in the face at a football game.
They want us angry.
They want us riled. They want us mentally unstable.
They want us to shoot up schools.
That's more fear. They want us to be in a part where we just live in fear.
Because the more you live in fear, the more you're easily controllable.
Take this medication. Take this psychotic medication.
Take this anxiety medicine.
Take this depression medicine.
And it'll make you to the point where you are a zombie.
Can zombies fight back?
I've watched The Walking Dead.
Those are easy targets, aren't they?
When you take a look at it, when I say they, everyone's like, who's they?
Who's they? Who's they? It's just the people at the top, right?
The people at the top. We'll never know the richest people's names, right?
We think you know the richest person.
He ain't the richest person. You think they're going to voluntarily let you know they're worth a hundred trillion dollars?
Why would they do that?
So that you're a target, right?
They have more money.
There's single human beings.
On this planet that can solve 90% of all of our problems.
And it's not through taxing us through global warming.
I promise you, that's not the way.
And they decide that we need depopulization.
There's too many people. I can't get to my resort.
I can't go to Costa Rica where there's too many people.
We need to kill these people. We need to feed them poison.
We need to uneducate them.
We need to give them cigarettes, give them alcohol, make weed legal.
We need to do all the things.
That we can.
Why do we have open borders in Mexico?
To get the drugs in, silly.
I mean, the CIA has told us for decades that they had projects where they bought pounds, tons of cocaine, and then threw it in.
What was the name of that movie that just came?
So they're literally telling us Yeah, yeah.
It's funny, our first, we do a documentary series called the America Happens documentary series.
And our first episode, which we shot in 2007, was something called the Cocaine and Gun Trains, which was in the 1980s.
A lot of people that live in Watts and Compton, as we learned, because we went to Watts and Compton, we tracked down old timers specifically that were living in those times.
And they said that in 1982, 83, 81, around that time, There'd be these trains that would come through Watts, and essentially Watts is split by train tracks, and they would basically leave the cart, take the rest of the carts away, and leave one cart there, and that cart would be filled with all kinds of drugs, especially crack cocaine.
It's sad.
You know, there is hope, though.
I mean, there's not much you can do besides what I do is pray.
You know, I believe I have a higher spirit.
I believe I've been blessed.
I believe, you know, my family's healthy and happy and I'm trying to do the right thing on a daily basis because I believe we live in a karmatic Energetic vibration world.
I mean, we're made of water.
I've seen those videos where they change the frequency and the water's dancing.
I think that has a lot to do with our moods.
And I believe they can control that because they manipulate the weather.
Which, by the way, we did an episode that's coming out, probably will come out right before this, about how sound and frequencies have a huge effect on our body to the point where you could literally cure cancers and all kinds of deadly diseases.
Obviously been kept away from us, but there's a guy that we interviewed, Dr.
Steven Schwartz, also Dr.
Vibe. The reason he calls himself Dr.
Vibe is because through this sort of science, they could create little vials of different vibes that literally attack the issue that you're having through sounds, frequencies, other forms of, you know, conveying energy to the body.
Yeah, we have hundreds of points all over our whole body.
And they have machines that tell you what frequency to have and where to put it.
And it cures the neuropath lanes.
I watch a lot of videos.
I read a lot of books.
I'm very interested in facts.
I am a fact guy.
I'm not a big feelings guy.
My wife doesn't really like that about me.
But I'm a real facts guy.
I like to figure out loopholes.
I like to figure out...
I'm the gray area guy.
There's white, where you get screwed.
And then there's black, where you go to jail, because you're committing an actual crime.
And then there's gray, where you save a couple bucks, or you learn something cool, or you get a little loophole.
So that's where I try to find different avenues.
I've been doing it my whole life.
It's a passion of mine to see, what can I do?
Where I'm not going to cause myself to lose my license or get in trouble, but I can push it a little bit.
Yeah, totally.
Brother, is there anything we didn't talk about in this episode that's worth mentioning in closing?
It's just, you know, I know we went on a lot of tangents, which I enjoy this stuff.
I love this stuff. It really just comes down to, you know, building a financial foundation, you know, for your family and protecting the ones you love.
Because if you won't protect them, nobody else will.
And it's caring for yourself.
And it's finding your purpose while you're here.
It's investing in yourself before investing with somebody like me or your financial guy.
It's investing in yourself. I mean, the best rate of return you're going to have is to eat better, work out, lose weight, learn what you need to learn, whatever career path you're trying to achieve.
You know, what I do is important.
Yes, I protect families. I've delivered 20 death claims, millions, you know, to people's families because a loved one was lost.
I have 30 people out on disability that are now receiving a paycheck because of meeting with me and they no longer would work.
They would have had to sell their house, go live in the hood or the ghetto, and they're able to keep their children in the same school system.
Yeah. You know, I've got about 30 people out on long-term care need me and they're receiving money.
So I know I'm doing my small part.
You know, at least I feel like I am.
I feel like I'm helping families.
I'm helping my community.
You know, I sponsor a bunch of, you know, sports teams.
I love sports, hence my last name's Lombardi.
So, you know, my daughter is a gymnastics girl, not even a sports girl.
I sponsor a ton of girls.
It's just finding what your passion is and go all in.
If you're not going to do it, nobody else will.
You're going to sit there and spend all your time complaining about the problem instead of spending the time on the problem.
Then what are you doing here?
What are you doing?
You're literally taking all your energy and you're convincing your subconscious mind, which is very powerful, by the way, that you're not worth it.
You're a loser. I do this all the time.
You self-talk yourself down to being nothing.
I always self-talk myself.
I'm the best. There's no one better.
I'm gonna help people. God loves me.
And you self-talk that, and guess what happens?
You speak it into existence because we are energy.
I'll leave it at this.
You remember that video where they talk to two plants?
Yeah. And the one plant, they're like, you're a beautiful plant.
We love you. You're gorgeous.
The other plant, they're like, you suck.
We hate you. We hope you die.
And literally, the plant that they spoke positive vibes to grew beautifully.
And the plant that they were saying nasty, horrible things to, it died.
And they were feeding it the same.
They were watering it the same. It was in the same sunlight.
So if facts don't dictate your reality and feelings do, You're not, you know, again, that's just my opinion.
You're not a real good quality of reality.
Maybe in your fake mind, you'll be a movie star, but in reality, you'll be a loser.
You have to factually figure out what you want, make a plan and bust your butt to get what you have because I work 78 hours a week and I love it.
I love it. I can't get enough.
I wish I could work 100, but I coach and I want to sit down like this.
I love what I do.
It is the best thing in the world to provide for your family, have your children look up to you, have your children see all the awards and accolades you won, taking them to front row games, suites, vacation.
It is heaven to show you without them being spoiled.
I will not allow my kids to be spoiled.
There's a fine line between teaching them what hard work does and just giving them everything.
Exactly. So it's, you know, but yeah, that's what I believe is just stay positive.
Think nice about yourself, whether you believe it or not.
And if you tell yourself something long enough, like the COVID vaccine cures COVID. If you tell yourself long enough, you might believe it.
Yeah, exactly, exactly.
Joseph, this has been awesome, man.
And thank you for, you know, one of the reasons I asked you about the questions about what you think about the financial system and what you said is like the, you know, the bitter truth.
I mean, Automatically shows me that you're a cut of a different clock than what we're used to hearing from financial advisors and people from that world.
You're blatantly honest, and I really appreciate that.
I appreciate your honesty. I appreciate you being so forthcoming.
It gets me in trouble with my wife all the time, but there's only one way to live, and that's to me.
It's just be completely honest and speak your mind the way that you would if it was talking to your best friend.
Exactly. Exactly. Joseph, thank you so much for showing up to this Blood Money episode.
And to the viewers out there, thank you so much for showing up.
Please make sure you check out AmericaHappens.com for all of our shows, including Gloves Off with Joey Gilbert, Blood Money with yours truly, Conspiracy Truths with Mindy Robinson, the State National University with Gianna Michele, Also, AHN News with Corinne Clifford, every Tuesdays and Thursdays at 2pm Pacific, 5pm Eastern. I will see you on the next episode of Blood Money.
Thank you so much. Truth in Media is not free.
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