All Episodes
Previous Next
Feb. 4, 2023 - Stew Peters Show
47:10
Scriptures And Wallstreet- Fed Rate Hikes And The Covenant
| Copy link to current segment

Time Text
Thank you.
Thank you.
Hey guys, Carlos Cortez here with another episode of Scriptures on Wall Street.
I'm really excited to get this podcast out today because we've received a ton of calls this week.
We've had great conversations with people all over the country.
We've had an amazing, amazing response from our last episode.
And we want to continue the message.
The message is the covenant.
What is the covenant?
And we're gonna talk about that after I explain what the Fed has done recently.
As you know, on Tuesday, the Fed just went ahead and raised the interest rates another quarter of basis points or 0.25.
What does that mean to you specifically?
What does that mean to our money?
Well, I will tell you this.
It's a bad thing when it comes to credit cards and our budgets because many Americans are struggling right now.
Just the cost of eggs are skyrocketing.
During COVID, it was toilet paper and hand soap.
Remember that?
But inflation has literally just blown up the average budget for an American household thanks to you-know-who, right?
Biden inflation is what we like to call it.
So if you're a Democrat and you're listening to this podcast, go ahead and click on another podcast because you're not going to like what I'm going to have to say.
Also, to all the viewers out there, I only do business with God-fearing patriots, so if that's not you, feel free to leave too.
If you want to troll, go ahead and troll somewhere else.
We will not be a good fit.
But this podcast is...
It is for educational purposes.
I am securities financial advisor.
I'm licensed in many ways.
So this is not investment advice.
If you want investment advice, please seek a licensed professional, not some crazy podcaster that is not licensed or doesn't have a financial background.
With that being said, let's go ahead and get started.
So the Fed just came out with 0.25 interest rates.
People are struggling right now financially when it comes to this recession, high inflation, bond markets going crazy.
We got bank issues.
So if you haven't seen my episode or show on bank bail-ins from last time, I believe it was last week, tune into that.
All you got to do is look up sneaky tricks with your checking account.
I actually exposed some of the contracts that you need in order to sign In order to open up a checking account.
So the actual banks can literally just take your money legally.
And if they don't have your money, guess who's going to pay to get it?
You are.
It's all in the contract.
I've been going through several banks and it was an incidental finding, but the Dodd-Frank Act, like I said a podcast ago, They have the ability to commission bail-ins.
There's no longer bail-outs.
So if we have a financial crisis in the next five, six years, call it...
Some people feel like it's going to be sooner.
Get ready because your bank account will be given to the bank.
When you deposit your money into the bank, you are actually buying shares.
You're allowing them to say, hey, we're insolvent now.
We need help.
We can't go to the government because the government signed off that we can literally just go in your bank account.
If we're FDIC membered, we can go into your bank account, bail us in with your own money, and they get to pay you back.
True statement, guys.
And this is what this whole hysteria and this panic is about is because a lot of you have massive, massive amounts of net worth in actual checking and savings and money markets and CDs and FDIC. So be very careful, guys.
Be very careful.
I have a covenant process that's going to protect you.
I don't live in fear, and I don't think we need to fear.
Like I said, my favorite verse, 2 Timothy 1, 7, where God has not given you the spirit of fear, but of love, power, and sound mind.
And so do you have love, power, and sound mind when you deposit a million dollars in the bank?
You do not.
You are waking up, freaking out, because you see seven figures in the bank or six figures in the bank, and maybe it's less than that.
Maybe it's your life savings.
But you need to listen up.
You need to get educated.
You need to be proactive, guys.
Pro-active.
So, that's what this podcast is about.
It's about scriptures and Wall Street.
It's about retirement and your money.
It's about telling the truth.
I have no sponsors here.
The only sponsors I will bring on are my own companies because I don't want to hit an agenda.
These Luciferian banks want to pay me millions of dollars to go play in their box.
I will not do it.
I will not sell out.
My integrity is not for sale.
I could care less if I hurt your feelings.
I'm not here to protect your feelings.
I'm here to give you advice on what to do with your money.
Educational advice, right?
So, we have a covenant approach.
But, you know, the Fed and the 0.25, the bond market went hysteria last year.
We lost about 25% in the bond market.
So, a lot of our money managers that are out there, when they flight the flight to safety, well, the flight to safety, actually, you lost.
And even some of our money managers lost money.
They're down too because when you go to a long-term bond market or any short-term market, you're going to see prices go down when interest rates rise up.
Well, we've been in a rising interest rate environment.
The past 18 to 24 months and will continue to be in a rising interest rate environment.
The Fed is playing, you know, seesaw.
They're trying to cool off inflation.
They're trying to control.
They don't care if we're in a recession.
They really don't.
They don't care if they jack up the interest rates.
They don't know Joe the Plumber and Carlos the Advisor or...
Sean, the painter, they do not care.
It's like they are a legal branch of the government.
They're not even a branch of the government, the Fed.
They're like an illegal establishment, in my opinion.
So, credit cards are going to go up, guys.
People are using credit cards more than ever.
Right now, it's estimated about $1.6 billion in 2023 will be charged just in interest alone.
So the average interest rate on credit cards, because people are using credit cards right now, Two, to cover that bridge because inflation is ridiculous.
And we all know that when Americans start using credit cards, they're taking on more debt that unfortunately they won't be able to pay back.
And now they're going to get hammered.
Predatorial rates.
16.3 was the average credit card rate.
Now it's going to be close to 20%.
Pretty scary stuff.
30-year fixed mortgage.
Used to be 3.5% a year ago.
Now it's skyrocketed at 6.4%.
That's if that's your primary.
If you're like me and have several million dollars in real estate, guess what?
You're paying upwards of 7% for investment properties.
Ask me.
I'm closing on a property next Friday and it's disgusting.
But I'm here in Florida and I like real estate.
Also, auto loans for you car guys.
I'm one of them.
Auto loans, 6.8 average, even with a high credit score.
Yeah, it's bad.
Student loans, if you're crazy enough to go to college and take on a massive debt just so you can get a job for 40 years and make 35, 40 grand and hopefully you can save up for a 401k that you don't even own, the government does, only to be miserable for 30, 40 years.
The American dream, and buy a house and get married with a white picket fence.
And next thing you know, you are in the trap, the Social Security trap.
I'm going to talk about that very, very soon.
I'm digging up some crazy information on Social Security, what you need to know about it, the laws, the rules, the regulations.
I've taught Social Security in community colleges for close to seven, eight years.
So I'm going to bring that content to you guys as well.
So you got student loans coming up at 5%.
From 3.5, you have CD rates.
The good news is, you know, you can get a certificate of disappointment or certificate of depreciation for 4.75 right now.
Interest rates are rising.
But I don't trust the banks.
I don't stinking trust them, man.
Like, they are, they're so conniving.
Please, please, please, for the love of God, call your bank and ask for the privacy notice or service agreement that you sign to open up that checking account.
You are not going to like those words when it comes to large cash withdrawals, when it comes to illegal activity that can deem if you are doing illegal activity.
I mean, I'm a Spanish kid.
They can just say, oh, this guy has several hundred thousand dollars in the bank.
He looks like a drug lord because he was wearing a gold chain.
And a Spanish kid shouldn't have that much money in the bank.
What is going on?
He's a drug dealer.
Let's go ahead and lock him up.
Boom.
Like a switch, you have to pay your own attorney at your expense to get your own money out.
Because, A, they're rationally profiled.
What if you're just hanging out on January 6th?
Because you lived there or you just wanted to support the president and you were peacefully protesting.
I have plenty of friends that were up there and although they're not J6 prisoners, they were J6 financial prisoners because their banks got shut down.
Guys, this is crazy stuff.
They're making it legal to profile you.
They're making it legal to just take your money.
And it's in the privacy agreement.
I said it last episode.
Sneaky tricks with your checking account.
This is why there's a bunch of hysteria in the banks.
So, here's the other part.
If we have a financial collapse, maybe you don't think we will.
But what if we do?
Is your money safer in the bank or is it safer in the stock market?
Ponder on that one.
Is it safer in the bank or is it safer in the stock market?
Well, let me tell you this.
The money in the market, according to your brokerage, according to the SIPC and all the other intricacies when it comes to investments, They are not bank depository laws or different laws.
There's no bail-ins on your investments.
There's no bail-ins in the stock market.
There's bail-ins in depository banks.
Your money is actually safer in the stock market than it is in the bank.
How freaking crazy is that?
That is like mind-blogging to me.
So, yes, you could invest in the market.
And you can liquidate and wire it back, cash it out, have your money in your bank, what have you.
But if you leave your money like a sitting duck in the bank, you are complete at risk for a bank bail-in.
Should there be a financial crisis?
Should your bank go through a financial liquidity event or insolvency event or FDIC claim?
And if you don't think that will ever happen, fine.
Just leave your money there.
Leave your money there.
But if you truly, truly, truly believe that there might be another collapse, you need to get the H-E-L-L hockey sticks out of that bank and purchase some precious metals.
I have this only episode.
I bought my personal stash here.
And if you want to know who I get it from, these things are amazing.
They actually have Bible scriptures on them.
I don't know if you can see that.
The lights are so bright.
But yeah, they have actual Bible scriptures on them.
Religiously exempt.
I like silver bars.
I like a little bit of gold coins.
These things are so stinking expensive.
I think this is like $10,000 worth of Gold dimes.
They're like dime-shaped.
And they're just gold coins.
So, I put my money where my mouth is, guys.
I have insurance contracts.
I practice the covenant.
I just don't preach it.
I actually practice it.
My family practices it.
We believe that a part of your liquidity needs to be in precious metals.
Should the tinfoil hats and then Sarah Jocera or whatever psyop you want to believe, what if they're right?
What if they're right?
We have liquidity here in our home.
Tangible assets.
Tangible assets.
I can't predict what's going to happen in the future, guys.
I can't predict it.
I can only prepare.
I can only prepare for the what-if scenarios.
And so you got to have a different mindset now.
You got to be smarter.
Most of you and most of everyone, they want to look at performance.
Oh, well, I made 15% on my Tesla stock this quarter.
Good, good week.
Or, you know, I bought a CD and I got 4.25% this year.
Okay, so you had a flight to safety and you act like you won, but you literally, literally just gave the bank your money.
So when the bank falls apart, you think they care about your 4.25?
They already lent your money out 20 daggone times to Joe the plumber.
And they gave you 4.25, which is peanuts, and they made 12% on a small business loan, lending it out.
And maybe that loan is toxic, and maybe you are going to a bank bail-in.
Look, I'm not here to fearmonger.
I'm here to show you that there's so much risk out there, not just with stock market risk.
There's political risk.
There's media risk.
Now there's social media risk.
There is currency risk.
There is financial default risk.
Guys, there's interest rate risk.
I mean, I can go on and on and on.
So me, as a licensed financial advisor, I have to come up with a tailored plan, ask questions, and find different asset classes that bet suit you.
So I want to really focus on the covenant.
The covenant is a process that I founded.
And it's going to be different from everyone, but just simply put, you're 50, 60 years old, a third into these precious babies right here.
I like silver better than gold.
I prefer that you guys give us a call.
Email us at info at CortezWM.com.
I have a strategic partner that is a Christian-based precious metals dealer.
And he will beat pretty much anyone out there.
So give us a call or email us.
I'm not here to advertise.
But I do want to stress...
That you need to be doing business with God-fearing patriots that are not here to make a commission or screw you over over the spot price.
We're here because we all have an agreement with the Great Commission.
You need to do business with God-fearing patriots.
Period.
You want to support each other.
We want to support each other.
We don't want to support any ones that go against or fake themselves into believing that they're true God-fearing patriots and they're not.
So give us a call.
We have a great strategic partner that is a fiduciary when it comes to precious metals.
I personally get my personal stash from them and they're great.
So the covenant.
I want to talk about the covenant.
A third, if you're 50, 60 years old, maybe got a few hundred grand.
Let's put a third into precious metals.
Tangible assets.
Because what if the bank falls out?
What if the money is bailed in?
What if you can't have access to it?
You got these puppies here.
Also, you don't have to buy these silver terry ounce coins, because these are one ounce each, and it's very, very difficult to have a nest egg in...
And coins, even though I have clients that buy four or five hundred thousand dollars worth of terry ounce coins.
No joke.
And they get literally like a Costco fork, like a Costco pallet in their front door.
It's wild.
But hey, if that's you, more power to you.
I just don't know where you're going to store it.
But it's a lot of it.
I like these silver bars.
These silver bars are really, really cool.
They come certified.
Each and every one has a certificate in the back of it.
And silver, to me, is an attractive asset right now.
Not because it's tangible, but right now it's gone.
The past six months is up 6%, but it took a hit last year.
And it's taken a hit this month.
We're at this pivotal point.
Let me pull up my chart real quick so I can read it.
We're at a pivotal point right now where silver can have the ability to really retrace back.
And we're at this 22 spot 340.
If we can go down, pass, if it, you know, it's at this, the support level.
So if this 20, 22.34 announced, if it breaks that 22.34 this week, it could go down even more as the dollar skyrockets and inflation cools off.
So that's why silver has been a bad, um, has taken a little hit this week is because the, the fed rate and the interest rates, um, Yeah, so people are getting back into the market and silver and gold will be going down.
Great time to be buying these assets.
Because you guys know, as soon as stuff hits the fan, these guys do well.
They're a great offsetter of an equity portfolio.
So what is our covenant?
Our covenant is a third in precious metals, a third into an insurance contract.
I'll explain that in a minute.
And a third into tactical management.
Tactical management.
What does that mean?
Well, that means for us, it's going to be a brokerage account that has money managers trading ETFs, index funds that literally can get in and out of the market instantly, week by week.
There's money to be made in the market, the bond market, the treasury market.
You need somebody trading those 24-7 for you on autopilot, and that's what we have access to.
It's not perfect.
And there is limited risk.
More importantly, like if the market crashes 30%, we're out at negative 7, negative 10, negative 13.
Whatever portfolio you choose and whatever drawdown protection you choose, theoretically, hypothetically, we're going to be out.
And it's 100% liquid.
So having that ability, just simply put, if you're 50, 60 years old, you're afraid of the stock market, you're afraid of the bank, this is common.
Let's get some precious metals.
Let's get some insurance contract that has a guaranteed protection on your money.
That's not in a bank.
That's actually instituted by a life insurance company.
It's not life insurance.
It is a savings account insurance contract that's backed by the strength of insurance company.
And it will index just like any other money manager.
But more importantly, it has cash reserves.
That's what you want, guys.
Cash reserves.
The ability to put the risk on an insurance company is so huge.
Now you're backed by contract law.
You're backed with precious metals if the dollar resets or if we go into a digital currency.
And we have insurance on our money.
We have insurance on our cell phones.
We have insurance on our house.
JLo has insurance on her butt.
Dolly Parton has insurance on her boobs.
We have insurance on our dogs.
We have insurance on our lives.
We have insurance on our cars.
But where is your insurance on your money?
And don't say it's the FDIC, please.
I will cringe.
So you need insurance on your money.
You also have the ability, we can generate 5-12%.
What does that look like?
Well, me and my wife are putting $100,000 and never going to see it.
We're never going to touch it.
We're going to put $100,000 into one of these insurance contracts in 20 years.
It would be worth estimated $4.2 million.
You could take that $4.2 million, take 5% out for the rest of your life.
You basically taking quarter million dollars out for the rest of your life, for the next 30, 60 years, for however long you live.
So you grow to 4.2 million and you take out 5%, 225, 250,000 times another 20 years.
The average retirement is 20 years.
You're looking at another $2.4 million you pulled out in interest and you still have the original $4.2 million in the bank.
All guaranteed protection.
There's no guaranteed on growth, but what we're doing is we're protecting your retirement with a third of your assets into an insurance contract and we're putting the risk On an insurance company, these insurance companies have contracts that will help you build and accumulate wealth with no losses in the market because you get annual statements.
More importantly, you are in the covenant.
You've protected yourself from cyber attacks.
You protected yourself from a crashing dollar.
You protected yourself if Nisera or Jisera is a real deal because an insurance company, now you have the ability to sue somebody.
Now you have a whole team of attorneys protecting you because they never protected your money.
And so when you get sued, it is always, it settles in the circulation of that court system.
So if we are in the American court system and we're not using the U.S. dollar, we're using Bitcoin or silver or gold, I don't know what it is.
It doesn't even matter because we have insurance on that too.
And the reason why I know, the reason why I'm so confident is, guess who's the biggest buyer of insurance contracts?
Do I have your attention?
Guess who is the biggest buyer of these insurance contracts?
You guessed it.
The banks are.
And we're talking about all the popular ones.
Yes.
I'm talking billions and billions of dollars.
You see, smart money, they have insurance on their portfolios.
They have insurance on their executives.
They have their insurance on their leads.
And the big banks are doing it.
That's why I know the insurance contracts are solid.
They're solid because that is where the big money is at.
I now, because of the status of my tenure and the connections I have, I have access to those same contracts to give to my God-fearing patriots.
And there are companies that honor God, that honor our country, that honor family to the core of them.
There are companies with billions of dollars That will bring on God-fearing patriots.
And they will not judge you because you like Trump or you are conservative or you fear God or your faith is in the cross.
They will not cut you off like these stupid banks like PayPal and Bank of America and TD Bank.
They're cutting people off because of their religious and conservative values.
That's what's going on, guys.
Everything wants to be traced.
I get upset.
I get upset.
I really do.
I just can't stand it.
And so...
All right.
I'm looking at my time here.
I got a new studio and I don't know where my clocks are at.
My new studio is at my home, so I'm pretty excited.
I get to do podcasts whenever I want.
The whole thing was I can be relaxed and...
I really enjoy this.
I really do.
But more importantly, I enjoy the phone calls that I have with all you guys.
We've had a massive amount of calls this week, and a lot of them were just about, hey, I got a million bucks in the bank.
What do I need to do?
I got two million dollars in the bank, a million dollars in this.
What do I need to do?
And I love those calls.
Thank you for allowing me to pour into you.
I truly pray.
I say, God, Use this podcast.
Use my message to touch somebody so they can call so I can be a vessel for you, Lord, and I can help them.
Because the whole problem is you're in red money, and red money is unlimited losses and unlimited gains.
You have no idea what to do.
The market's going down.
Even precious metals is considered red money.
It goes up and down.
Anything that goes up and down And you're getting close to retirement, you're going to have fear, you're going to have uncertainty, and you're going to have doubt.
You're going to FUD. And when you're FUDing, that's when you make the mistakes.
And if you go around asking your local advisors, if you go around asking all these advisors, there's a problem here.
The first problem is they're not spiritually yoked with you.
They don't believe what you believe.
Number two, they can't even have a thought process because the bank that they're working with doesn't allow them to talk about God, country, and family, or even guns.
That's Wall Street.
They're so woke, they have to abide by their agenda.
So this is where little Carlito, me, myself, I got sick and tired of it, being told what to do.
And I saw these luciferian ways.
I saw the inoculation happening where I could only, only do red money.
And one day I lost a client to safe money investments.
And long story short, I got real curious.
I was really, really hurt.
I was only 25, 26 years old at the time.
And I lost his client when I was a stockbroker.
And he said, Carlos, you're just my stockbroker guy.
You're not my financial advisor.
And I'm going to leave because I need wealth preservation.
So that really broke my heart, but it made me curious.
It made me curious, and that was the best thing that could ever happen for me.
So I actually walked away from Wall Street, and I focused on Comprehensive financial wealth management with the emphasis in risk management.
So retirement is not about making money.
Retirement is protecting what you have, preserving what you have, keeping what you have, and not just from market losses.
I'm talking about taxations.
I haven't even told you about what Social Security is doing and the financial inoculation there with the The earnings test and why they keep on printing so much money and why they're confident they can keep on printing money forever.
Because everybody has IRAs and they know that one day they can take those over because you are a participant, not an account owner.
So don't get me started with that, guys.
But I wanted just to really have this podcast about the covenant.
If you follow the covenant, you won't get hurt.
In my opinion, my humble opinion.
A third into precious metals, a third into an insurance contract, not just any insurance contract, but a good one that can grow 5-10% on average, and you still have access to your money, but you're getting more guarantees than you can possibly imagine, not just from guarantees from the stock market, creditor guarantees.
Principal protection guarantees.
Guarantees on rates.
Guarantees on financial takeovers or financial resets.
I don't know what's going to happen, guys.
But I do know that we have a covenant process that's going to get you the ability to navigate whatever's going on.
A third and two traditional tactical management where it's liquid.
You will make money in the stock market.
Just not this year.
Just not last year.
But you need a money manager that is ready to play ball when the market starts to come up.
So this week the market is actually getting some legs.
So there is some momentum going on in the market right now.
Don't be fooled, guys.
It is a bear market, but we will have some bullish rallies intra-year.
And we're going through a little rally in the market right now.
The Fed is saying that we're going to have lower inflation than last year.
So, of course, silver and gold is going to go down.
The market will continue to rise.
The prices go up.
The rates go down.
It's a seesaw effect forever, and they have a huge correlation.
So what are you doing to prepare for this mini rally?
If you're in bonds, you've lost money.
Interest rates went up.
If you're in equities, you've made some of your old money back, but you're still down.
If you're in precious metals, all precious metals.
There's some guys out there that are saying, hey, put 100% of your IRA in precious metals.
How idiotic is that?
Why would you go from red money to red money?
Why would you go to a bucket of money that is volatile, that is traded by the Chicago Board of Exchange?
Don't do that.
And then it's in the IRA, which is even worse.
You don't even own the IRAs.
The government does.
Tell me how much taxes you're going to pay when you pull it out.
I'll sit here and wait.
Be very, very careful.
Do not listen to these stupid marketers.
That are not fiduciaries.
They have no financial background.
They don't have a dog in a race for your success.
They don't get paid on your success.
They just get paid on a transaction.
Don't fall sucker to it.
Follow the covenant.
Follow the covenant.
Guys, I've been doing this for close to 20 years.
And...
The covenant is different for everybody, but it's the same concept.
True diversification, not diversification in red money, diversification, tangible assets, insurance contracts, and regular traditional investments with a tactical management overlay so that you can get out.
The school bus driver is driving down a cliff And they say, hey, we're going down a cliff.
Should we pull over and try another road?
Or should we put on our seatbelts and go down a cliff?
That's what your old school advisor is going to do.
And it's called buy and hold.
Buy and hold is dead, my man.
Buy and hold sucks.
You will lose your butt, man.
For real, don't do it.
Robots and artificial intelligence are manipulating the market like crazy.
They love buy and hold retail investors.
Got to get with the times, bro.
Got to get with the times.
A third into precious metals.
Follow the covenant.
A third into precious metals.
A third into a safe money bucket.
Well, you'll never lose anything.
You can only, only grow.
Typically, you can double your money in five to seven years.
Possibly even triple.
The worst case scenario, you lose nothing.
Period.
You have insurance in this bucket.
It makes complete sense.
A third into an investments.
Tactically managed.
We do all three of them, guys.
We refer our strategic partner for our precious metals.
We offer insurance contracts.
Some of the best in the industry.
I personally own.
My parents personally own.
And 500 clients own.
Just last year.
Been amazing.
No one's lost money in our insurance contracts.
And guess what?
If we lose money in tactical management...
We don't lose money in our safe money bucket and our precious metals offset both of them.
So it's like we almost never even lose money because we have these different buckets for different reasons.
And if you are a credit investor, if you have millions or over a million dollars or if you make $300,000 as a married joint couple or $200,000 if you're single, Either or those three.
So you can have over a million dollars liquid, you make over $200,000 in income, or if you're married, you make over $300,000.
One or the other, or even all of them, you're a credit investor, so The covenant is simple too.
25, 25, 25, 25.
25% precious metals.
25% in a cash value insurance contract.
25% in tactical management, like I just explained.
And 25% in commercial real estate.
I like strategic storage units.
I like farmland.
I like chicken farmland specifically.
I like chicken feed farmlands.
I like lettuce farmland.
I love lumber.
There's a lot of tangible commercial real estates, needs-based grocery stores.
Down here in Florida, we have Publix.
Imagine if you owned this land.
So, think about this.
Look how cool this is.
Market goes down.
COVID hits.
Kamala Ho is a new president.
Right?
Market goes down.
We have...
Whatever her name is.
Kamala is the new president because they Baker Act Joe Biden.
All hell breaks loose.
We've got money protected in our insurance account.
Who knows what happens to precious metals?
It's there for a reason.
We have real estate that we still make money off of regardless of the stock market or bond market goes up and down.
Because of the commercial real estate, people still need to eat their eggs, still people need their bread, they need to go grocery shopping.
Not only do they go grocery shopping at Publix or grocery stores, they're also getting what?
They're getting their cigarettes, they're getting their beer, they're also getting their medication.
So, grocers are a huge, huge defensive growth play in any economy.
A recession, A depression, a financial situation, a hurricane situation, or even explosive growth.
People tend to spend more on groceries when you've heard the saying, we eat good, and they literally shop more.
So a grocer is a non-cyclical defensive growth asset class, and we have access to it.
If you're a credit investor, Give us a call.
We'll explain what these rates are.
Typically, they're anywhere from 7% to 10%.
You got to be able to be okay with holding for three to five years.
They're not liquid investments and they're only for credit investors.
But that's part of the covenant.
We have precious metals.
We have commercial real estate.
We have cash insurance on our cash.
And we have traditional tactical management that is liquid in the market, should I add.
I didn't say anything about FDIC. Garbage banks.
So if you're a millionaire, four different buckets.
If you're just an average person like myself, just three.
Get you some precious metals.
This stuff is awesome.
It really feels good just to look at it.
But...
But yeah, I really like our source.
This is the covenant.
So when you call my office, all you got to do is say, hey, I want to speak to Carlos about this covenant thing, or I want the covenant.
How can I do it?
Give us a call, 813-448-3446.
I want to protect your retirement, man.
I know what I'm doing here, and it's fun.
It's starting to get fun.
We're beating these idiots on Wall Street.
We're helping a God-fearing patriots.
We're doing God's work, I feel.
Okay, so real serious note here.
I had a client that passed away yesterday.
You know who you are, I can't say.
Her daughter called me.
I said a prayer for her.
And she rededicated her life to Christ.
And that's all her mom wanted.
Was to make sure that her relationship and her salvation with Jesus was intact before mom took her last breath.
So the daughter called me and I didn't know if I had tears of joy or just tears of sadness.
Maybe it was always a roller coaster, but it was a very precious moment.
And I wanted to share the story because that's what all of this is about.
It's not about making money, guys.
You can't leave with this stuff.
It's fun to manage, but you can't leave with this stuff.
Even myself.
We will all die.
Money is very...
I study money.
I get fired up with things, but in reality, I'm just a teddy bear.
So if we're worrying about money, if we're worrying anything at all, sit back.
Relax.
Pick up your Bible, guys.
When you're scared, confused, concerned, or angry, don't lean to this.
Don't focus on this.
Focus on your heart, your aim.
What is your aim in everything that you're doing?
My aim for this podcast It's truly to deliver you from financial anxiety, to speak life into you, to speak scriptures in you and talk about evil things like money.
But money could be used for good.
I just want to show you where all the financial serpents are at.
That is my aim for this podcast.
I pay a lot of money for my own podcast.
This is not cheap.
And you guys support me by calling us and supporting a God-fearing patriot.
I will continue to do this for as long as I can and speak the truth.
Recently, I had somebody that wanted to buy me out for several million dollars.
My book, my show, everything.
Just everything.
My cell phone number.
And I told him no.
I told him no.
My integrity is not for sale.
I will always, always do what is right in the right of the Holy Spirit, right in the eyes of God, in the eyes of the client, the eyes of my wife, my kids.
I'm not perfect.
I make mistakes and I'm a sinner.
But I need that daily cross.
I need that daily bread every single day because I am a sinner.
And I wanted to just talk about Mark 8, 36.
For what shall I proffer a man if he shall gain the whole world and lose his own soul?
I think Marilyn Monroe said it the best.
Hollywood would give you 50 cents for your soul, but $50,000 for a kiss.
And if Marilyn Monroe was here, and Lord knows where she's at, but I think she would really resonate with this Bible verse, Matthew 8, 36.
What good is all this money?
If we can't even trust God, what good is all this covenant that I'm preaching and I'm showing and I'm working hard to get these insurance contracts to you?
What good is all this if you guys are worried about, well, what if they cancel the contracts?
What if they reset this?
Guys, then we have bigger problems than money.
This gold stuff, this silver stuff is not going to be your answer.
Survival skills will.
Learning how to make fire with a bow in the woods.
I mean, we will be literally like worse than Venezuela, right?
So don't get caught up in returns.
Don't get caught up in how much money you have or how much money you're making.
Focus on this, guys.
Focus.
And if you're like me, a slow reader, and you've got to have a commentary Bible, I highly recommend it.
This is just the New Testament.
And I got convicted because this is John Corson's Bible.
I love it.
I got convicted because his commentary is more than the actual...
Verses in the Bible itself, but then I'm like, well, I'm spending time with God.
I'm spending time with God, and I'm reading God's Word every single morning.
I spend five, ten minutes.
My first breaths go to Him.
And if not, then I spend more intimate time when I get the time in the morning.
But I want to encourage you guys, don't focus on this.
Focus on this.
In the Word.
Spend time with God.
If you're worrying about money, then your heart is not in the right place.
You're practicing atheism.
Satan wants you to bud.
Satan wants you to have that fear, uncertainty, and doubt.
Because he wants to control your mind.
He's in it for the slow and long game.
Satan is not in it for the quickie.
He can plant a seed in your head right now and 30 years from now you'll wake up and believe it and now the next thing you know you're a full-blown atheist.
As half of my friends I grew up in church, they all have them left and they don't even know where they're at in their lives.
So, I pray that this message, this podcast inspires you.
I pray that you get touched.
I pray that you allow me to help you give you godly, biblical advice when it comes to your retirement.
My integrity is not for sale.
I'm not a fit for everybody.
I am not a fit for everybody, nor can I work with everybody.
But you can call our office.
You can call our office, 813-448-3446.
Let's just have a conversation.
Whether it's me or my advisor, Dustin, I have to have multiple people help us out because I literally don't have time to speak to everybody.
We get calls like crazy, guys.
Literally, I think last month we had 400 calls.
So this month is probably another $900 to $800.
And I only want to talk to serious people.
If you're interested just in insurance contracts, give us a call.
If you're interested in just commercial real estate or precious metals or one of the buckets in our covenant, Give us a call.
Maybe you're interested in just one, and that's fine.
We don't have to do a whole financial plan.
If you like your current situation, and you just want to carve out a portion to us, we can cater that too.
But we just want to inspire you.
I'm called.
We are all called in the Great Commission to be salt in life and love one another and not cause division.
And like I said in my last podcast, one of the hardest ones was Matthew 5.
Matthew 5, 4, 4.
Not my favorite scripture in the Bible.
It says, pray for your enemies.
Pray for your enemies, those who persecute you.
That's a hard one for me because I dealt with anger for so long and rage.
But I just want to be authentic with you guys and keep this show authentic.
And anyways, I'm rambling now.
We are very, very long.
But God bless you.
I'm out of here.
It's late.
And we are talking soon, guys.
▲
Export Selection