What Should We Do With Our Money?

Gold, Crypto, Banks, Stocks, Forex? Where Should We Focus Our Money?

Times are getting rough. Inflation is eating up our wealth, world war is staring down the world, and the USD is about to face a challenger with the upcoming BRICS currency. Given all of this, it is easy to wonder: “What should we be doing with our money to prepare?”

Long-term readers here will already know that I favor real, tangible investments over other financial vehicles.

I have had this mindset for the past few years. Not necessarily because it is wise financial advice, but because of my outlook on the world.

I think, in general, things are going to get pretty rough within the next four years. For this reason, I am not in the business of making money. Because I believe that money will be largely useless.

Instead, I am of the wealth preservation and wealth preparation mindset. Where “wealth” does not always equal money.

What we do with our money shows our root beliefs in the stability of our current financial system. If you believe things are going to get bad, you probably should follow my approach. If you don’t think things will get all that bad, then by all means, invest in stocks, crypto, and other intangible investment vehicles. This doesn’t apply to you.

Your works should follow your faith, is all I am saying.

One thing that I hate is when I hear people talking about believing in the decline of our financial system/empire, but then the same people try to sell me their preferred stocks, gold bars, training courses, or crypto investments.

You all know who I’m talking about. “The world is ending, but buy my book” guys. They are hypocrites. If they truly believed money is going to be useless, they wouldn’t be trying to con you out of all of yours.

Even if you don’t take my advice here, at least avoid that group.

Dually, if you are concerned with the current financial system outlook and actually want to know what to do about it, then read on.

What I have been doing with my money is simple: I am moving things into tangible consumption assets slowly over time. These are not necessarily investments for wealth, but they are stores of wealth.

Think things like ammo, food, water. The essentials and the luxuries of life. Things that would be worth a lot of money if you suddenly did not have massive logistic networks bringing in every-day supply chain shipments into your town.

These goods would be worth far more than any crypto, precious metal, or anything else the usual snake oil salesman will try to sell you if things get bad.

We know this from historical examples. Look up the Yugoslavia wars or many Middle Eastern conflict zones. Significant amounts of gold could barely buy you a can of food in that time, because no one needs a rock when you’re starving to death. There was no electricity, so no use of online imaginary bank money or modern crypto. Even fiat had no value except to start a fire. I know this situation seems far-fetched, but millions have lived through it even in our own lifetimes. It could happen to you.

Sadly, my kind of wealth preservation items are not worth advertising or selling off to an audience. Which is why you won’t hear about them often. But it is also for that reason that I think you should earnestly consider them.

I have written about them previously. Instead of repeating, I will just share the important part from that article once more:

Global Supply Chain Collapse: The Solution (Tangible Consumption Assets)
[…]
The solution is simple: Tangible Consumption Assets (TCAs).
With the following definitions:
An asset is a resource with economic value that an individual, corporation or country owns or controls with the expectation that it will provide future benefit.
A tangible asset is an asset that has a finite monetary value and usually a physical form. Tangible assets can typically always be transacted for some monetary value though the liquidity of different markets will vary. Tangible assets are the opposite of intangible assets which have a theorized value rather than a transactional exchange value.
A consumption asset is an asset that is held primarily for consumption and not usually for investment or resale. Examples include different types of commodities such as oil, cotton, coffee, meat, etc. A consumption asset provides value through its use, immediate or in the future depending on its ability to be stored. Demand is mainly driven by consumption need.
Combine them and you get TCAs. Think of them like this:
Vice TCAs like cigarettes, cigars, liquor, wine, etc.
Food TCAs like food storage, plant seeds, plants, green houses, gardens, etc.
Sustainable food TCAs like cows, pigs, chickens, etc.
Drink TCAs like water, fun pop/soda drinks, water purification tools, etc.
Energy TCAs like batteries, generators, tools to fix generators, etc.
Contrast these with something like media. Media can be “consumed” but it is not tangible (no physical form), so it does not fit the definition of a TCA.
Anything that can be directly consumed or is necessary to aid in consumption or in acquiring consumption could be a TCA.
[…]
Maybe we have a PM [precious metals like gold/silver] > Crypto > Dirt > Fiat type of equation. But none of them are great.
So, what do we do when none of the options are really “great”?
Sure, different people will try to sell you on crypto vs bonds vs stocks vs gold vs silver and the like, but that’s usually because they have a vested stake in one of them. I don’t have any stake, so I don’t really care what you do with your money.
But I don’t see any of them as ideal. So my recommendation is something resourceful.
Instead, I recommend you put the money into something that will hold its value, is tangible, and will be worthwhile in any scenario.
These include the following:
– Water – Water filtration, water storage, and water stockpiles
– Food – Food preservation, food storage, and food stockpiles
– Alcohol – Tons and tons of alcohol
– Medicine – Shelf stable, long-term expiration medicine of all kinds (especially antibiotics and NSAIDs)
– Ammo – Massive amounts of ammo. In any potential situation (war, economic downturn, Biden-ban) the price of ammo and desire for it will skyrocket
– Self Defense Tools – Guns, pepper spray, knives, armor, faraday gear, etc
– House w/ Land – Including all necessary requirements to make that land self-sufficient / sustainable
– Books – Especially ones that are likely to be banned
– Skills – Invest in anything that would make you more sustainable with regard to problematic events (Invest in a survivalist course, or an DIYer course, or a medical course, or a farmer course, etc)
And similar items.
As always, this isn’t investment advice. I don’t do investments. I don’t care about them in my personal life nor are they a focus on this website. This is practical advice that comes from historical examples instead of guesswork/theories. Crypto could work out. Or it might not. Precious metals could work out. Or they might not. Food? Food will never not workout. Medicine and water? Those will never be a net loss. If you are hedging your bets, one makes more sense than the other. If you are diversifying, try multiple approaches if you have the resources to do so.
People will always need to consume. During hard times, they want to consume even more […]

It is my belief that it is a wise choice to switch from the mindset of generating fleeting wealth with a failing USD currency and move more into the mindset of preserving wealth outside of fiat for whatever is to come.

I even gave similar advice to the young in this article: Strategies For The Younger Dissident.

Because let’s face it, with the decline of the empire, practically no one has positive expectations for the next couple of decades. Very few people do; not even most leftists share optimism. Even normies at this point are uncertain. That should alarm you.

Dissidents generally think even worse things are coming than the average person. How much more than should we be preparing and acting differently?

The harsh reality that no one selling you stuff online will admit is this: If we are right and World War happens, your stocks are going to suck. If the government centralizes currency, your crypto is gonna be worthless. Even if BRICS becomes a thing, currency fluctuations would be impossible to predict, making your forex or foreign currency holdings even more of a gamble. In the event that food becomes scarce, no one is going to care about your rocks (gold, silver, etc. that only hold value under stable societies).

Going even further, keeping your money in the banks or even in physical form is also no guarantee. The physical IOU dollar could become worthless if the elites do enforce a switch to a digital currency. The banks could collapse or inflation could eat up your stored wealth in an institution.

All of these traditional approaches to stores of wealth are designed to give you a false sense of security. But if anything truly cataclysmic happens—That is all they are: A false sense of security. They won’t actually be worth anything.

There is no safe option without the ability to predict the future.

The point I am trying to get at in this article is that if you seek safety through money, hoarding, or prepping, you won’t find it. Safety is an illusion. If things crash, they crash unpredictably.

The only things anyone knows for sure will be worth something are TCAs, because they are what everyone needs and uses every day. Everything else is a gamble, simple as that.

Cataclysm X could be anything, but the one thing it won’t be is something that is easy to hedge financially.

All of these other methods should be thought of as wealth generating. That is not a knock against the concept: A percentage of your money certainly should go to wealth generation because we do not know when Cataclysm X will happen. But depending on how risk-averse you are and your time horizon for when you personally believe the decline is going to happen, you should adjust your percent in wealth preservation accordingly. A 50-50 split would be a good start. If you think we’ll run out of time sooner, up your percentages to 70/30 preserve/generate. Start brainstorming yourself from there.

That is what I am doing. Don’t take it as financial advice. But also know I have nothing to sell you, so I have nothing to gain no matter what you do.

I hope this is at least giving you some things to think about. Because this is an important question. One that could make all the difference when that time comes.

One day, you will reap whatever you have sowed. Plant accordingly.

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