The Infinite Banking Concept: Privatize Finance and Become the Bank

This 45 minute program details a powerful strategy to warehouse capital, take full control of your finances, and actually become the bank.

Why the Infinite Banking Concept?

How many people out there live month to month and use credit cards to fill in the gaps?

How many people have to sit across the desk from a lender who scrutinizes and passes judgment upon their financial position each time they want to buy a car?

How many young people are drenched in student loan debt because of skyrocketing tuitions and stagnant starting wages?

How many people struggle to save a little money for retirement, and depend entirely on the solvency of political pension programs?

How many people out there feel like they are never in control of their life because of their financial situation?

What if there were a way out?

What if there were a way to make money problems go away… forever?

What if there were a way to take full control of your family’s finances for yourself, and for generations to come?

What if there were a way to actually become the bank and privatize finance completely?

What if there were a strategy so powerful that the political insiders and financial elite covered it up with advertising restrictions and regulations to keep it from getting out?

Would you want to know about it?

If so, this course is for you. The Infinite Banking Concept is your strategy to privatize finance, warehouse capital, and create a family bank.

You can use this strategy for yourself to finance a business, investments, or real estate purchases.

You can use this strategy to finance your child’s college education.

You can use this strategy to finance travel or vacations.

You can use this strategy to create a million-dollar pension plan for yourself, your spouse, and your children.

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  • Privatize Finance
  • Warehouse Capital in a Tax-Advantaged Way
  • Create a Family Bank
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  • Understand the ins and outs of the Infinite Banking Concept

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The Family As a Sovereign Institution

submitted by estate

Journal of a Wayward Philosopher
The Family As a Sovereign Institution

November 4, 2015
Hot Springs, VA

The S&P closed out Tuesday at $2,103. Gold closed at $1,114 per ounce. Oil closed at $47.90 per barrel, and the 10-year Treasury rate closed at 2.19%. Bitcoin is trading around $480 per BTC today.

Take a look at the Bitcoin exchange rate – it’s up nearly $250 this month! It’s up $171 this week alone! We have seen this story before, but it is hard not to get excited about that kind of explosive gain in purchasing power. I can’t emphasize this enough: if you aren’t familiar with Bitcoin, look into it. It has the potential to revolutionize money, banking, finance, and accounting. Whether or not it will, who knows, but the potential is there. There will only ever be 21 million bitcoins in existence, and more than half of those have already been mined. That means the potential for continued purchasing power gains is huge if Bitcoin continues to gain acceptance. Why not have at least a little skin in the game?

Dear Journal,

Peak Foliage has come and gone, and only the most resilient leaves remain clinging to the trees here in the mountains of Virginia. The naked trees reveal a clear view of the bare cliffs that majestically overlook the southern side of our property. I look upon these cliffs with awe and respect as the morning fog slowly passes by their jagged ridgeline. These are the cliffs that looked down upon my daughter’s birth a little over one year ago. I hope these same cliffs will stand watch as a joyous, energetic little girl laughs, runs, and plays in the yard below. Maybe they chuckle as she stumbles chasing mini-lab Boomer who frolics with a tennis ball in his mouth. Maybe they nod in approval as she learns to kick a soccer ball into the net. Maybe they smile as she prunes apple trees in the orchard. This philosopher-dad can only speculate and wonder.

I can’t help but look inward as my mind’s gaze slowly recedes from Madison’s future and comes back into focus. My own path has been a strange one. After being 100% conventional, uncritical, and unquestioning for the better part of a quarter-century, a simple spark of curiosity led me down a road of intellectual growth and spiritual awakening from which I surely will never recover. From that spark the wayward philosopher was born. Continue reading “The Family As a Sovereign Institution”

Disintermediate the State

submitted by jwithrow.disintermediate the state

Journal of a Wayward Philosopher
Disintermediate the State

July 15, 2015
Hot Springs, VA

The S&P closed out Tuesday at $2,109. Gold closed at $1,155 per ounce. Oil checked out above $53 per barrel, and the 10-year Treasury rate closed at 2.399%. Bitcoin is trading around $293 per BTC.

Dear Journal,

The Greek banks are still closed as I write to you today. Let’s revisit the timeline real quick:

Saturday, June 27: The head of the government’s coalition ally in Greece advised “Citizens should not be scared, there is no blackmail. The banks won’t shut, the ATMs will (have cash). All this is exaggeration.”

Sunday, June 28: Prime Minister Alexis Tsipras announced that Greek banks would be closed until Monday, July 6. “The bank deposits of the Greek people are fully secure”, he added.

Sunday, July 5: The national referendum on the EU’s proposed bail-out is held. Greek citizens vote “no” emphatically.

Monday, July 15: Prime Minister Alexis Tsipras conceded to a bail-out agreement with the EU consisting of terms very similar to the bail-out Greek citizens voted against ten days prior.

Wednesday, July 15: Greek banks are still closed and there has been talk of a 30% haircut on all deposit accounts in excess of €8,000.

As we can clearly see, the Greek people have been mislead and lied to throughout this entire process. The Greek political class threw the people a bone with the referendum on July 5 to ease some of the discontent and then they proceeded to ignore the results of the referendum entirely. Those of us familiar with laissez-faire philosophy are not surprised by this in the least. Such is the nature of the relationship that exists between governments and citizens everywhere. Continue reading “Disintermediate the State”

It’s All About How You Think!

by R. Nelson Nash
Author of Becoming Your Own Banker
Article originally published in the April issue of BankNotesthink


Some years ago, the late Nobel prize-winning Dr. Albert Schweitzer was asked by a reporter, “Doctor, what’s wrong with men today? The great doctor was silent a moment, and then he said, “Men simply don’t think!”

Surely, by this time in your life, you have a deepseated feeling that there is something fundamentally wrong in the financial world today. There is debt of unbelievable proportions! There is confused thinking that results in irrational behavior as a matter of course. We are treated to a plethora of information daily to substantiate this truth.

As a result of all this, I see a lot of despair and anguish expressed by a large segment of our population. I really think that it is the feeling of most people. They are saying, “What a mess we are in! What are they going to do about it? We need to get the right folks in our government offices! Get out and vote! That is our only hope!”

Of course, there is another large faction that is totally consumed with apathy. They don’t have a clue as to what has happened – and what is currently happening. You see them – and you can identify them – so I don’t see a need to elaborate this point.

The fact that you are taking the time to read this article indicates that you are searching for an answer to financial matters in your life. We hope that the efforts of the Nelson Nash Institute will be of benefit to you. Thank you for your search. The solution to any money problem begins there.

What happened to cause this deplorable situation?

These things just don’t happen by chance. There is always an underlying cause.


How Did Governments Build A Trap To Enslave People Financially?

Here in the United States two significant events occurred just over one hundred years ago:

1. The Income Tax Law – October 3, 1913

2. Adoption of the Federal Reserve Act – December 23, 1913

But, something else occurred 100 years ago: World War I – a tragic event! One that should never have happened! It was the result of unsound thinking by government leaders.

Notice that the Income Tax Law was adopted one year before WWI, and the Federal Reserve preceded WWI by just eight months.

Why is this significant? Study history and you will find that during the War of 1812 an attempt to adopt an income tax failed. Citizens wanted no part of another tax to fund the war. Apparently we had a greater proportion of clear thinkers at that time than we have today.

So – what to do? Plan ahead – because the “powers that-be” knew full well that war was imminent. But, in order to gain public acceptance create the means of funding it before the war starts! But, use some other reason for doing so! This form of deflection is necessary in order to fulfill the hidden agenda.

Wars cost lots of money! Who benefits from all this? History is clear – International Bankers, that’s who! They not only create wars but also actually financeboth sides! If you haven’t figured this out, then you need to start studying history. As a starting place please study the lives of the preeminent Rothschild banking family. Take note that it was the patriarch Rothschild, Mayer Amschel Rothschild, who famously proclaimed, “Give me control of a nation’s money and I care not who makes the laws.”

On our website you will find a resource tab. Click it on and then click on the Recommended Reading List. There you will find a large selection of books on economics and history that will help you in your search for the truth about the financial world and the ways bankers carry out their goals. A good starting book to read would be The Law by Frederic Bastiat. Then read Economics in One Lesson by Henry Hazlitt.

A word of caution – this action can lead to a beneficial compulsion to continue reading all the books listed there!

For instance, are you aware of the characters at Jekyll Island, Georgia who designed our Federal Reserve System? It is well acknowledged that the chief driving force of this scheme was Paul Warburg, a Germanborn banker. The mismatch between the story the public receives, versus what really happened behind the scenes, has rarely been so large as it was with the founding of the Fed and the advent of World War I.

For example, are you aware of how this central bank idea was made into law by Congress in late December 1913, while most Americans were busy celebrating Christmas with their families? There is plenty of information available to teach you the real history of how all this came to be if you will simply search the right sources.

Let me issue a warning that some revisionist authors make unwarranted leaps and see sinister plots when there is really a much simpler explanation, but that doesn’t mean the entire genre is misguided. A careful student of history will see that the public has been systematically misled about the origin of our modern banking institutions; this was not all designed “forour benefit.” It is not the purpose of this article to show you all this information. My purpose here is to challenge you to read and think!


Removing The Blinders

“The ideas of economists and political philosophers, both when they are right and when they are wrong are more powerful than is commonly understood. Indeed, the world is ruled by little else. Practical men, who believe themselves to be quite exempt from any intellectual influences, are usually slaves of some defunct economist.”― John Maynard Keynes

Probably the greatest source of our disastrous financial situation can be laid at the feet of Lord Maynard Keynes with his book, The General Theory of Employment, Interest, and Money, published in 1936. Keynesian thinking has the entire world in a death grip. I well remember Richard Nixon, in a speech on TV saying, “We are all Keynesians now!” He absolutely did not speak for me, but that is the method that such leaders use to induce people to think the way they do.

Only the Austrian School of Economic thought is correct in explaining the business cycle – central bankers inflate the money supply dramatically and people behave as if the money is “real.” But, it is all an illusion – it is a lie! This inflation always results in booms and busts. What is called a “depression” is not really a “depression” – it is a return to reality! The Austrian economists point out that the real harm during the business cycle comes during the boom phase, not the depression, and that if you want to avoid the painful busts, then you must stop artificially inflating the economy. But the public has been convinced that the boom is a period of genuine prosperity. Those who benefit most from this chicanery are always the bankers.

Your local commercial bank is the primary indirect source of inflation by way of a warped law within their “fractional reserve lending system.” They are actually lending money that doesn’t exist! Note, however, that they cannot lend money unless theyhave customers. Therefore, if you have a loan at any such financial organization, then you are a part of the problem!

I got “hooked” on Austrian Economics 58 years ago and the study of the subject became a passion for me. It was this background, plus a 35-year career in life insurance sales, which led me to see there is a way to build a system for individuals to avoid the devastating effects of inflation in their lives – and to be free of the clutches of bankers. There really is a way out of the financial condition that has enslaved most people and the Nelson Nash Institute can help you discover it.

We have had a tragic change of behavior in our country during the last 100 years. Thought always precedes behavior. The easiest way to motivate people to a desired action is through producing fear in the minds of people! War is probably the ultimate method of doing so.

The State uses contingencies of crisis and misfortune to increase its power – which in turn develops the habit of acquiescence in the people.

In the words of Judge Andrew Napolitano, our country has become a nation of “sheeple.”

This is why I’m leading a movement to change the name of Washington, D.C. to “The Fear Factory.” Notice that every action that is proposed in Washington has fear as its reason for being. “The world is coming to an end if the Government doesn’t take immediate action on (blankety, blank, blank)______________.” You fill in the blank. I challenge you to examine every one of their proposals and determine the validity of my statement.

I had a personal experience with this phenomenon in 1961. I was educated as a forester at the University of Georgia, class of 1952. The Korean Conflict was two years old at that time. During my college years I was an Air Force ROTC student as part of the means of financing my way through school. As a result, all of my ROTC class had to go on active duty for two years to repay the government for the stipend they paid us while we were in college.

During the two years of active duty, I was an aerial photo interpreter with Strategic Air Command at March Air Force Base, California.

Upon completion of this obligation, I moved to Eastern North Carolina to begin my career as a private forester. I did not work for the government; Smokey Bear and I don’t agree on much of anything. It was here that I came face-to-face with the mental paralysis that Socialism causes among people. Up to that time I really never knew much about the idea itself. But, inherently I knew something was fundamentally wrong with it. It just didn’t “square” with my Christian upbringing which began when I was nine years old.

At that time the predominant agricultural product in Eastern North Carolina was tobacco. The entire production of tobacco was totally controlled by a government allotment program. Such programs dominated the thinking of the people who lived in that area of the state. I noted that this pattern of thinking spilled over into everyday life of people.

Upon witnessing all this over a significant period of time, I wondered, “Why do people think (and thus behave) this way?” This led me to become acquainted with the Austrian school of economic thought when I first read Henry Hazlitt’s book Economics in One Lesson. I became a voracious student of their teachings in 1957.

This brings us to 1960 when an article appeared in FOREST FARMER magazine about a proposed government program that would literally take over all the woodlands of private owners in the United States. Nikita Khrushchev, who was premier of the Soviet Union at that time, could not have pulled off such a program in that country! I could not sleep for several nights after reading the article. “How in the world could this be happening?” I thought.

In 1961, I was encouraged to write a memo on this proposed program and send it to a number of publishers and media outlets that would expose the absurdity of the idea. One of those places was NATION’S BUSINESS magazine produced by the U.S. Chamber of Commerce. My memo crossed their path at exactlythe right time! They knew the proposed program was “coming out of committee” soon and was to be voted on in Congress – and hopefully (for the bureaucrat proponents), to become law of the land. The editors at NATION’S BUSINESS were looking for a way to create a story for their magazine that would expose the nonsense of this Socialist proposal. And, so, they contacted me to help in developing it.

In June 1961 I became the subject of a feature article in NATION’S BUSINESS entitled, “Pattern for Federal Takeover of Your Business.” If you care to look it up, simply Google “NATION’S BUSINESS MAGAZINE JUNE 1961” and you will find it starting on page 34. You might find it interesting because the author, TaitTrussell, did a thorough job of isolating the methodology of every activity that exists in governments throughout the world.

The article was reproduced in large quantities by the Association of Consulting Foresters. Bottom line – we were able to defeat the program before it ever got out of committee and voted on by Congress. All this stuff is a lot of work for anyone that is involved so I won’t bore you with minute details.

However, I learned this about anything that goes on in Washington, DC. Bureaucrats take one segment of the economy, they accumulate bogus data, then they run this stuff through “their crystal ball” and conclude that we will all perish from the face of the earth unless the government takes over this particular economic activity.

During my experience with this event I became acquainted with many of the people advocating the idea. The architect of the proposed program to take over the timberland of private landowners was Undersecretary of Agriculture, Mr. Murphy. Upon defeat of the project, all Mr. Murphy could up offer up was, “I had heard that we were running out of timber and I just wanted to help.” Murphy knew absolutely nothing about timberlands or the forestry world.

None of the concerns expressed by the program were true, but that fact doesn’t matter to these folks. They just talk to themselves within the “D.C. Beltway” andbecome believers in their own nonsense. During all my work on this project I discovered that the Department of Agriculture was under some severe criticism at that time and this program was created to divert attention from their real problem.

This all reminds me of Argentina’s efforts to reclaim the Falkland Islands in 1982. The real reason for the action was because of the horrible economic conditions in Argentina at the time and they needed a smoke-screen to divert attention from their economic misery. If you have seen one government idea, you have seen them all!

Yes, we defeated the attempt of takeover the timberlands of private landowners in the U.S.– but another program of like kind appears again and again and again! When will people ever learn?


There Is A Way To Change Your Financial World

Let’s go back to the WWI – August 1914 began the bloodiest century of all time. I am soon to turn 84 years old as I write this, and thus, have witnessed most of this irrational behavior.

Yes, we do live in some interesting and deplorable situations in the financial world – but, it doesn’t have to be that way for any one individual person. However, this is going to require a significant change in the way that one thinks.

In the Sermon on the Mount, Jesus explains the human nature of people to His listeners.

Matthew 7:13-14 says, “Enter through the narrow gate for wide is the gate and broad is the road that leads to destruction, and many enter through it. But small is the gate and narrow the road that leads to life, and only a few find it.”

If Jesus were teaching us today, I think He would probably say, “Why do you folks want to follow those who are always wrong? – Is your mind really all that dull?”

While growing up in Athens, Georgia, I was amember of Prince Avenue Baptist Church. All churches encourage young folks to express their understandings of the vital things of life. I remember, at age 15, I was asked to make such a presentation at a Sunday evening service. I laid the foundation for my talk by pointing out that we know our world through our five senses that we all possess and that our brain determines our evaluation of what we experience. And that our attitude toward these things is all-important in determining outcomes in life. In other words, I could “change the world – my world – by changing my thinking.”

I continued, stating that, as you change your thinking, your attitude will change. As your attitude changes, your belief and actions will follow, and “a peace that transcends all understanding will guard your heart and mind in Christ Jesus.”

In Romans 12:2 St. Paul is teaching that we should not “conform to the pattern of this world, but be transformed by the renewing of your mind. Then you will be able to test and approve what God’s will is — his good, pleasing and perfect will.” I believe that Paul is teaching that we should secede from the way the world thinks. That you have to abandon the thoughts and behavior of the world in which you live. Here I am drawing on this ancient text to demonstrate to you that all of the relevant points of this article can be found there.

Furthermore, consider that the conscious mind can only entertain one thought at a time. Thinking is hard work and mankind is a lazy beast! The result of this idleness is rote behavior with most people. And so, we all have a paradigm by which we live our lives. This is the work of our sub-conscious mind.

When we ask, “Why is it that people behave the way they do?” The answer is quite obvious. It is all because of the way they think. That is the paradigm they have created for themselves sometime in their past. Most of our personal, everyday behavior, is determined by our untrained sub-conscious mind. It is as if we are on autopilot!

My personal observation reveals – that there is not all that much conscious mind thinking – going on in our world today.

However, we should take caution. There are certain caveats that appear in life. In other words, beware of an “open mind!” Without careful filtering you can get a lot of garbage thrown in there. We are totally surrounded by worthless noise! The financial world is a perfect example of this phenomenon. Develop the ability to recognize nonsense and don’t waste your valuable time on it!

On long airplane flights I use my “noise-cancelling headset” – a product manufactured by the Bose Company. Wouldn’t it be nice if we had such a device built into our minds to block the nonsense that dominates our every-day world? You can create one.

Consider what St. Paul counseled his followers to do a couple of thousand years ago in Philippians 4 verse 8. “Finally, brothers, whatever is true, whatever is noble, whatever is right, whatever is pure, whatever is lovely, whatever is admirable, if anything is excellent or praiseworthy — think about such things.”



Now, let’s turn our attention to the Internal Revenue Code.

According to the Commerce Clearing House Standard Federal Tax Reporter, as of 2013, it now takes 73,954 regular 8-1/2” x 11” sheets of paper to explain the complexity of the U.S. federal tax code. Additionally, the IRS continually makes changes in the Code. These constant changes are sometimes humorously referred to as “The Accountants and Lawyers Relief Act.”

Personally, I don’t know of anyone who has read the entire IRS code. I have read that the first nine pages contain the definition of income. The next 1,100 pages describe exceptions to the code.

Read just a few of the exceptions to the code and you can very easily understand what the entire IRS Code is really saying. Essentially, “We own everything and we are going to allow you to do these certain things.”

The object of the IRS code seems to be the outright control of your life and make you think that your blessings come from government instead of from God!

For example, tax-qualified retirement plans were all created under the guise of “giving you a taxbreak.” First, there were pension plans for corporate employees, then came HR-10 plans for partners and sole proprietors, and finally, IRAs for individuals, and, lastly 401(k)s.

Now, everyone has an exception to the IRS Code available to them. Think about it. If the government really wanted to give you a tax break all they had to do is cut out the taxes! Do you really think they want to do that?

And so, I ask, “When government creates a problem (onerous taxation) and then, turns around and grants you an exception to the problem they created (such as in any tax-qualified plan) — aren’t you just a little bit suspicious that you are being manipulated?” That leads to another question – “then, why are you participating in them?”

This entire confiscation scheme is similar to the modus operandi of the Mafia! They create a problem and then sell their victims protection services against the problem they created! For an in-depth explanation of what I am saying here I suggest that you read The Income Tax: Root of All Evil by Frank Chodorov. Just how blatant can an activity become before people take notice? It is the perfect example of the elephant in the room, but no one seems to recognize it!


Now, Let’s Talk About How You Think

I was introduced to The Foundation for Economic Education in 1957 through its monthly journal, THE FREEMAN.

I was particularly drawn to the writings of Leonard E. Read, the founder of the organization – along with cofounder, Henry Hazlitt, plus several additional greatthinkers. Over a period of time Leonard became my good friend and mentor. What a privilege it was to know, to talk with, and learn from such great minds as these two! Neither of these two had college degrees but they were voracious readers.

Among many other great writers, Leonard admired the works of Albert Jay Nock. I urge you to read Nock’s book, Our Enemy the State, published in 1935.

Another of my favorite authors is Mike Rozeff, a retired finance professor, who is a frequent columnist on On July 16, 2013 he wrote an article entitled, “Don’t Go Back to The Original Constitution.”

Mike observes that a great many Americans who are unhappy with various facets of America’s political system, laws, rights, and justice system think that the solution is to “go back to the original Constitution.”

They do not understand that the original Constitution is a major cause of our present woes and troubles. For further understanding of the validity of this observation, I suggest you read Tom DiLorenzo’s book, The Curse of Hamilton. DiLorenzo points out that upon separation from the mother country, England, in 1776, our Confederation of States became “Jeffersonian” – following the thoughts of the author of the Declaration of Independence, Thomas Jefferson. But, while Jefferson was away in France as ambassador, in 1789 we became “Hamiltonians” – right back into the mercantilism we escaped from while we were subjects of English rule!

Mike Rozeff continues to note, “One man who recognized and explained this – and related developments – many years ago is Albert Jay Nock in his 1935 book, Our Enemy the State.” In the following I will provide some quotations from Nock’s book, with my commentary in parentheses.

• “Every increase in State power necessarily accompanies a decrease in social power. Increases in State power – reduce the disposition among people to use social power – and it indoctrinates the idea that social power is no longer called for.”

• “Government conceptually is not the same as the State.” (This confusion of the two is so prevalent that I recently spent several hours trying to explain the difference to my wife.)

• “Government does not arise from conquest and confiscation. The State does.”

• “Moreover the sole invariable characteristic of the State is the economic exploitation of one class by another – every State known to history is a class-State.”

• “Statism is the concentration of economic controls and planning in the hands of a highly centralized government often extending to government ownership of industry.”

• “Whatever noble government protective of rights that the Declaration of Independence suggested the influential and leading colonists were after a State, that is, an instrument whereby one might help oneself and hurt others; that is to say, first and foremost they regarded it as the organization of the political means.”

• “The U.S. Constitution did not place the principles of Thomas Jefferson and Thomas Paine in the Declaration concerning government into practice. To the contrary it intentionally set up a State, and a State that could become more and more powerful over time.” (For proof of Nock’s assertion, simply observe what has happened in our country since 1789.)

• “The ‘government’ was set up under this Constitution to do the work of the State — that is, to bring into effect the political means and exercise political power, was not from its birth a government consistent with the Declaration of Independence.”

Government schools do not teach this fact to your children! If they did so, then the agenda of Hamiltonians would be exposed.


The World In The Grip Of An Idea

As I began reading THE FREEMAN, the publication of The Foundation for Economic Education, I was also drawn to the work of Dr. Clarence B. Carson. My wife and I worked on his Board of Directors for over 20 years. He was a dear friend of ours. Among many other books Clarence was the author of The World In The Grip of an Idea (1977). On page 454 of that book he, like Rozeff and DiLorenzo, echoes Nock’s assertions:

“There is a crucial distinction between the state and government. The worship of government is attended by the same difficulty as the worship of humanity. The difficulty is that actual governments have flaws, or rather those who run them do. The state is an abstraction; it is pure; it can even be an ideal.”

Carson continues:

“Power vested in the state cannot be misplaced, for it is the natural repository of all power over a given territory. Sovereignty, absolute sovereignty, is its prerogative, its reason for being.”
On page 245, he says:

“The thrust of the idea that has the world in its grip is to take away the independence of the individual… the aim is to concert all human efforts for the common good.”

My mentor, Leonard Read once wrote a piece entitled, “There Ought To Be A Law” — that was not the way Leonard thought, he was merely being ironic. Leonard was reflecting on the confidence that most Americans have in the idea of The State. “Whatever the ideal an individual might have in mind the State must compel everyone to comply. We must force people to see the wisdom that I possess.”

Along the lines of everything we have said thus far, another of my favorite authors is Butler Shaffer who teaches at the Southwestern University School of Law. He makes these invaluable points that seem tosummarize everything:

“Whether mankind is to survive, or bring about its own extinction, will depend largely on the premises that underlie our social organizations. Will they exist as voluntary, cooperative systems through which individuals can mutually achieve their respective interests; or will they continue to function as herdoriented collectives that allow the few to benefit at the expense of the many?

The answers to such questions are to be found only within our individual thinking. Secession does not begin at the ballot box, or in courtrooms, or in signing petitions, but in the same realm where you lost your independence: within your mind, and your willingness to identify with conflict-ridden abstractions.”

And so, how do you secede without seceding? You simply don’t play their game!

All the foregoing in this article is evidence of mankind’s worship of the State — a mind-set that is totally irrational! The idea of “the State” is nothing more than mankind trying to play the role of God (in the pagan sense of the word). The book of Exodus in the Bible plainly tells us that, “God is a jealous God.” Obviously He won’t put up with that nonsense! History demonstrates that fact conclusively. All of mankind’s efforts to displace Him are doomed to failure. The fact that this takes place over a long period of time completely eludes mankind.

Look at what this mind-set has done to our present financial world.

•Unbelievable debt throughout the world. Financial slavery everywhere.

• People who are totally dependent on a government program.

• People who put confidence in a tax-qualified financial plan, even though all government programs have a perfect record of failure when compared with their stated objective.

• Mind-numbed robots that cannot seem to think for themselves.


Reclaim The Power

We hold the key through social power – voluntary and private social relations, including associations and economic exchange. And so, I ask, “Do you have the courage to examine your own thought processes and determine if you are, indeed, a STATIST?”

Or, do you have the courage to secede from the thinking that predominates in our world?

If you do then join together with those who have found the financial freedom that can be obtained through theInfinite Banking Concept (IBC) as taught by the Nelson Nash Institute. Your world will never be the same again.

Our mission is to educate and inspire the public to take control of their financial lives.

Our vision is a free society characterized by creative financial solutions independent of government intervention.

Please see the April issue of BankNotes for the original article and others like it.

Employing the Infinite Banking Concept

submitted by jwithrow.infinite banking concept

Yesterday we examined the merits of the Infinite Banking Concept. Today let’s look at some IBC strategies to build capital and mitigate inflation.

If you combine the Infinite Banking Concept with a fundamental asset allocation model you have the makings of your own personal central bank. If one were so inclined, just like a central bank, one could establish tangible reserve requirements and use the policy’s ever-growing capital base to purchase tangible assets. Your job as Chairman would be to continuously acquire assets based on your allocation model as your central bank’s capital base grew in size to maintain your specified reserve ratios.

The possibilities with this strategy are endless!

The hardest part of employing the Infinite Banking Concept is being patient enough to capitalize your policy over the first several years until the policy becomes self-sustaining.

Imagine a world in which more people take control over their financial destiny by using the Infinite Banking Concept as an integral part of their financial plan. This strategy has the power to mitigate the boom-bust cycles created by the Federal Reserve and the fractional-reserve banks because people employing the IBC strategy would not have much need for traditional bank financing.

The power of the Infinite Banking Concept can truly be unlocked if families were to implement this strategy generationally. For example: what if parents were to set up IBC policies for their children as soon as they were born?

The IBC policy would have the opportunity to grow for twenty years or more, and the next generation would automatically have a large pool of capital available to them upon their maturation into adult-hood. This pool of capital could be used to finance specialized education or to start a business with no student or bank loan necessary.

The child would also receive a substantial death benefit payment down the road when the parents were to pass on from this world. That death benefit could then be used to set up larger IBC policies for future generations so the family’s pool of capital would continuously grow over subsequent generations. Every single one of your children and grandchildren would have access to a significant pool of capital to help them build self-sufficiency and resiliency.

Talk about an individual revolution!

A generational implementation of IBC in this way could gradually transfer the power of the purse away from governments, central banks, and Wall Street and back into the hands of individuals where it belongs. This would cause the financial sector to shrink tremendously, which would free up capital for more productive purposes across the board.

You see, the financial sector doesn’t really produce much of anything. It is more like the money changers of old in that the financial sector does little more than temporarily warehouse capital and then move it around, siphoning off small fees at every stop along the way. The financial sector certainly plays a very important role in a developed economy, but that role should be much smaller than what it is today.

So how do we know that the IBC strategy will survive the Great Reset? The answer is that we don’t know anything for sure.

But life insurance companies have a built-in inflation hedge as they can charge higher premiums to new customers on an ongoing basis as the currency loses value. Additionally, if the currency were to completely collapse, it is highly likely that life insurance companies would re-value their policies in terms of a new currency or maybe gold (we should be so lucky). Also, if you operate your personal central bank wisely and use your capital to purchase precious metals and other real assets, then you have a currency hedging strategy already in place.

Hopefully this chapter has done the Infinite Banking Concept justice, and you can see why we think it is a powerful tool for individuals disciplined enough to devote the time and resources necessary to capitalize a policy.

The Infinite Banking Concept

submitted by jwithrow.infinite banking concept

Before you can see why we believe so strongly in the Infinite Banking Concept (IBC) you must change the way you think about life insurance. The purpose of structuring an IBC participating whole life insurance policy actually has nothing to do with life insurance itself. Whole life insurance policies, when structured correctly according to the Infinite Banking Concept principles, are powerful vehicles for warehousing capital. This is what we are primarily interested in.

Typical IBC policies are structured such that 40% of the premium paid supports the base policy and 60% of the premium buys additional paid-up insurance. The large amount of premium going to purchase additional paid-up insurance serves to both grow your insurance policy (add to the death benefit) and it builds cash value much more quickly than standard whole life policies.

Your life insurance cash value is simply equity in the policy; it is not physical funds in an account. This gives life insurance cash value advantageous tax and legal treatment and it largely shields the cash value from creditors, plaintiffs, and corrupt government departments.

To illustrate this legal advantage think about what would happen if someone were to win a civil suit against you. The first thing that they would come for would be your bank accounts. The court could then force you to liquidate any investments in a standard brokerage account to pay the plaintiff’s claim and your capital base could be wiped out very quickly.

The court could not make you liquidate your life insurance cash value, however, because it is just equity in the policy. The primary way to access the cash value is to borrow against it and the court cannot force you to do this in the same way the court cannot force you to borrow against your home (domestic cases between spouses may be different as the court may determine one party to have an ownership claim already).

Now the court could enable the plaintiff to take an assignment of the life insurance in the amount necessary to satisfy the claim, but this would only pay out in the event of your death. Meanwhile, your cash value would continue to grow uninhibited and you would still have access to that capital at any time for any reason.

In addition to legal shelter, it would be much more difficult for the government to change the tax laws regarding life insurance cash value than for qualified retirement accounts. Qualified retirement plans (401k, IRA, etc.) are creatures of the tax code – these plans were specifically created within the IRS legal structure.

Life insurance, on the other hand, has been in existence for centuries in some capacity. The first American life insurance company was founded in 1787 and many life insurance companies that are prominent today were founded in the early-to-mid-1800’s. Contrast this with the IRS which was not unleashed on America until 1913.

While it is impossible to eliminate risk in this world, building capital in whole life insurance policies based on the Infinite Banking Concept is a way to mitigate legal risk and IRS risk, especially when compared to qualified retirement plans.

So now that we know our cash value is relatively safe from those who would steal it from us, let us examine the capital building merits of the IBC strategy.

Your cash value grows in two ways: when you pay the premium, and when the life insurance company pays a dividend. Paying premium into the policy guarantees that you will have a specific cash value at specific intervals in time.

Your life insurance agent can run illustrations for you depicting the cash value at the end of each year and this value is contractually guaranteed as long as premiums are paid. The guaranteed cash value illustration enables you to know, to the exact dollar amount, what your minimum cash value will be in a given year. This illustration depicts the cash value established by your premium payments (base+paid-up additions) and the figures assume that a dividend will never be paid.

Your agent can also run non-guaranteed cash value illustrations that estimate cash value based on the assumption that the company will continue to pay dividends at the current schedule. The non-guaranteed cash value illustration depicts the same contractual figures as the guaranteed illustration with the addition of annual dividends based on the current dividend rate. Dividends can add substantially to the cash value of the policy over time.

Whether or not dividends are actually paid out depends upon the company’s annual death benefit costs and investment performance. Mutual life insurance companies pay a dividend every single year unless they are in serious financial trouble and every single policy holder will receive a dividend if one is issued. Dividends are small in the policy’s early years, but can become quite substantial in the policy’s later years.

For example: we have an IBC policy illustration that estimates a dividend in the amount of $1,659 in year 5 of the policy and it estimates a dividend of $21,076 in year 25 of the policy. And just for fun: the dividend estimate is $69,951 in year 40 of the policy.

This same illustration depicts a guaranteed cash value of $17,288 and a non-guaranteed cash value on $17,667 after year one. After year five the guaranteed cash value is $95,936 and the estimated non-guaranteed cash value is $101,192. Year 25 depicts a guaranteed cash value of $804,112 and a non-guaranteed cash value of $1,048,247. And just for fun again: the guaranteed cash value after year 40 is $1,511,993 and the non-guaranteed cash value estimate is $2,662,316.

This illustration is based on an annual premium of $24,000 with 40% of that supporting the base policy and 60% buying additional paid-up insurance.

The point is you can generate an internal rate of return within the policy itself. This rate of return will be conservative and it will not wow you, but guess what? There is absolutely no risk to principal
whatsoever. This is huge!

This strategy allows you to know exactly how much capital you will have available to you at any particular point in the future so long as you keep making the premium payments. Once the policy is big enough you can also take policy loans to make the premium payments if need be. In fact, capitalizing a policy for as little as five or six years could be enough for policy loans to perpetually support the premium going forward.

The primary risk with this strategy is that the life insurance company could fail at some point in the future. This rarely happens, however, because mutual life insurance companies are very conservative organizations, unlike the Wall Street firms. The prominent mutual life insurance companies in operation today have survived the Great Depression as well as the crash of 2008. And they didn’t need any bail-outs or subsidies, either.

One reason for their strong financial history is that mutual whole life companies do not have shareholders. Accordingly, these companies do not need to resort to excessive risk taking to try to constantly pump up their stock price. Instead, the policy holders own the company and they are quite happy with a conservative risk appetite.

Additionally, the stronger life insurance companies in the industry have historically done a good job of taking over a failing company on the rare occasion when this has happened. In this scenario, the stronger life insurance company assumes all outstanding contracts of the failed company so as to maintain the conservative reputation of the industry.

Hopefully the power of the Infinite Banking Concept is starting to become apparent to you. Tomorrow we will look at some ideas on how to employ the IBC strategy as well as how you can mitigate the inflation risk inherent in standard life insurance products.

Shedding the Institutional Mindset

submitted by jwithrow.empowerment-e

Journal of a Wayward Philosopher
Shedding the Institutional Mindset

November 19, 2014
Hot Springs, VA

The S&P opened the day at $2,047. Gold is up to $1,197. Oil bounced back above $75. Bitcoin is still hanging around $379, and the 10-year Treasury rate is 2.36% today.

Yesterday we examined some of the prominent macroeconomic trends and we reasoned that, from the American perspective, the world will be a much different place eighteen years from now. We pondered: how can we help prepare a child growing up today for adulthood in a world that will not resemble the one that currently exists?

To answer this question we must first examine the script as it exists for the average American child coming up today. For this I will defer to one of my favorite analysts, Paul Rosenberg over at Casey Research, who summed it up rather succinctly:

Do well in school (an institution).

Rebel with music from the entertainment corps (institutions).

Wear the new shoes/jeans/etc. with the best corporate logos (institutions).

Get a university degree (from an institution).

Take student loans to do so (from an institution).

Take a job at a big firm with great benefits (interacting institutions).

Get a home loan (from an institution).

Build a 401(k) (more institutions).

Believe in democracy (a multilayered institution).

Be a good citizen and vote (same as above).

Send your children to daycare, then school (institutions).

Buy brand-named goods (from other mega-corp institutions).

Watch the best in entertainment (corporate institutions).

Conduct your relationships on Facebook (a vampire institution).

Trust in Social Security and Medicare (Ponzi institutions).

I read this list and have to nod my head in agreement – this is pretty much the script that has been sold to every individual in American society for quite some time now. The script has worked out fairly well for people over the past seventy years but I must ask the question: is it still viable? After all, past success is not indicative of future results.

I am skeptical. To be frank, I am not so sure this script will even work out well for the Baby Boomer generation (though it has up to this point). Time will tell.

So, getting back to the original question from yesterday, how best to prepare Madison for a changing world? Logically the first step would be to change the script. Maybe even set fire to it.

But to change the script first requires a change in mindset.

The current script represents the institutional model which operates under the assumption that individuals are inferior, weak, and ignorant; that they are objects to be molded and formed in the institutionalized image. The institutional model suggests that each individual should spend most of their time working as a “productive” member of the institution. While rarely stated explicitly, the institutional model implies that each individual is subordinate to the institution. Those who subscribe to the institutional model tend to develop the mindset that everyone must participate. Everyone must play.

To walk away from this institutional mindset requires courage but a beautiful thing happens when you do – the world opens up and becomes more free. Then you discover your boundless potential and begin to trust yourself implicitly. And then you can start to envision a better way to prepare little Maddie for adulthood.

Instead of treating birth as an emergency and rushing off to the hospital you can do a homebirth. Instead of rushing her off to school to have indoctrination forced on her by the collectivists and bureaucrats you can develop a comprehensive, practical, and liberating homeschool curriculum. Instead of exposing her to mindless entertainment you can find wholesome hobbies that the entire family can do together. Instead of pushing her to mindlessly rush off to college you can capitalize an IBC insurance policy for her and, when the time comes, tell her to follow her passion. Instead of telling her she must get a corporate job with good benefits to be successful you can help her devise a plan to build a career pursuing her own interests. Instead of telling her she must be a good citizen and vote within a corrupt system you can tell her to “be the change you would like to see”. Instead of ignoring financial education and hoping Social Security will be there for her in the year 2079 you can teach her the merits of asset allocation so she will be financially independent forever. Instead of instilling within her the institutional mindset you can help her remember that she is a sacred individual and nothing less than an eternal spirit of humanity.

The possibilities are endless!

Then it doesn’t matter what the world looks like in the future because she will be prepared to thrive physically, financially, emotionally, and spiritually no matter what.

More to come,






Joe Withrow
Wayward Philosopher

For more of Joe’s thoughts on the “Great Reset” and regaining individual sovereignty please read “The Individual is Rising” which is available at The book is also available on Amazon in both paperback and Kindle editions.

Asset Allocation

submitted by jwithrow.asset-allocation

Asset allocation is a necessary tool for saving money and building capital within a fiat monetary system. Within a fiat system, the purchasing power of your currency is gradually inflated away and the value of various asset classes can fluctuate rapidly based on central bank monetary policy. Thus, it is important to have a principled yet flexible asset allocation model in place.

The concept of asset allocation is to allot a percentage of your capital to various asset classes and to maintain each allocation ratio until you deem it necessary to adjust your model. For example, a basic asset allocation model could consist of 25% cash, 25% precious metals, 25% real estate, and 25% stocks. You would then allocate your income to each asset class accordingly.

The beauty of this strategy is that you cannot be wiped out by any wild swings in the market and you will always have cash on hand with which to purchase assets when they go on sale (when the market tanks). Of course you can always add additional asset classes into your model such as bonds or bitcoin or cattle depending upon your outlook and you may need to adjust your percentages based on new analysis from time to time as well.

The Infinite Banking insurance strategy that we talk so much about here at Zenconomics and in our book works perfectly to house much of your cash allocation. An IBC policy serves to compound returns on your cash while it sits idle waiting to be put to use without sacrificing any liquidity whatsoever.

As for your precious metals allocation, you can purchase gold and silver bullion from any local coin shop or from reputable dealers online or you can purchase through companies like Hard Assets Alliance which will facilitate fully allocated domestic or international storage for you.

Of course to follow an asset allocation model you will need to save a large percentage of your income. I think 50% is a good benchmark. 75% savings is preferred. Very few people have the discipline to pull this off but those who do never have to worry about financial problems again.

If maintaining such an asset allocation model for your household sounds extremely tedious and time-consuming that’s because it is. This is the price we must pay for living under a fiat monetary regime. In a sound monetary system we would be able to build capital simply by saving money in a bank account because our money would maintain its purchasing power over time. Instead, saving money in a bank account is a losing strategy so we are all forced to become financial analysts or have our wealth systematically transferred away from us.

IBC – What’s it all about?

by R. Nelson Nash
Author of Becoming Your Own Banker
Article originally published in the October issue of BankNotes

It should be evident to most people that the last 100 years have been very violent in the financial world. Why? What happened to cause all this turbulence?

During this period we have witnessed the bloodiest century of all time. Two World Wars. Endless smaller wars all over the earth. An influenza epidemic after WWI. Nations formed and then self-destructed. New diseases coming into existence. Endless turmoil in the Mid-East. Empires coming apart. Financial euphoria followed by inevitable busts. Unbelievably powerful weapons and weapon systems. Propaganda perpetrated on an unsuspecting public such as man-made global warming. The list could take several pages to itemize them.

So, what’s going on? All of these actions are preceded by thoughts of the people involved at any time and place. Or, maybe it could be best described as lack of thought! It appears to me that people have forgotten how to live. It could be that they never learned how to live in the first place. Maybe it could be because of the way people feel. We seem to have a generation of “touchy-feely” folks that are in places of leadership and they influence the actions of every-day people.

Wars make absolutely no sense, but it is evident that this behavior is a common denominator throughout this time frame. Nothing good came from them. Yet, wars are glorified in the minds of many people. Things like Tom Brokaw’s book, The Greatest Generation. In reality it was a disaster — because of what it did to the minds of the people. They heard lies and came to believe them. Our country had already adopted Socialist ideas a number of years earlier, but this head-long plunge gained tremendous momentum during this period. I was there to witness it as a teenager and have seen it unfold to become the monster that we have today.

The historian, Dr. Clarence B. Carson wrote a masterful book entitled, The World In The Grip Of An Idea back in the 1970’s. He did a great job of explaining how we got into this abominable situation. The book needs to be re-published and Dr. Paul Cleveland and Dr. L. Dwayne Barney are in the process of re-writing it at this time. The world needs this book very much and so I encourage you to get a copy when it becomes available.

From my own perspective, money is the real common denominator in human action. The great Austrian Economist, Ludwig von Mises points out that the business cycle is caused by central banks. They inflate the money supply dramatically and people can’t tell the difference between “real money” and the “counterfeit money” (fiat money has no real basis). They feel that it is real wealth and so they do things that are totally irrational. This creates booms in the economy. In due course of time, reality rears its ugly head, and the bust follows.

This pattern has a long history, but it seems that every generation during the boom years feels that “Yes, those things happened in the past – but, this time it’s different!” This is nothing but hubris in its purest form. It is the “Arrival Syndrome” that I describe in my book, BECOMING YOUR OWN BANKER. It is the worst thing that can happen to the human mind!

Government debt all over the world is huge. But, consumer debt in these nations is approximately equal in volume. Bankers have created a mind-set in people that “you don’t have to save money– just spend, spend, spend! We are going to take care of your financial needs.” A local Credit Union advertises “Get a Legacy Lifestyle Loan from us.” Translated: “If you don’t like your present lifestyle, then get a loan from us so you can live the way you want to today! Don’t worry about having to repay the loan.”
We are bombarded with such stuff every day. If you listen to financial advertising very long then it becomes “hourly!”

Your local, commercial banks are the primary source of inflation. They lend money that doesn’t exist. If anyone else did that they would be put in jail! But, this chicanery has been going on so long that most everyone considers it normal.

In the video, Banking With Life, Dr. Paul Cleveland points out that people confuse money with wealth. Wealth is your productivity, and things that you own. Money is just the medium of exchange that we use to acquire wealth. Creating a pool of money from which to buy wealth is a necessary function in an economy. This pool of money is known as banking! We could not live the way we do today without the concept of banking! It is sovereign! Some party in your life is going to be the banker whether you recognize it or not!

That party should be you! John Donne (1572-1631) gave us the thought, “No man is an island.” Therefore, this Infinite Banking Concept must involve other people in the form of a contractual relationship. The perfect financial instrument to accomplish this has been in existence for over 200 years. It is known as Dividend-paying Whole Life Insurance (Preferably with a Mutual Company – one that is owned by the policy owners). Your medium of exchange must be warehoused somewhere! There are no exceptions!

This is a place that cannot inflate the money supply. This Infinite Banking Concept has been taught through my book, Becoming Your Own Banker and the follow-up book, Building Your Warehouse of Wealth. Further explanation is provided by How Privatized Banking Really Works by Carlos Lara and Robert P. Murphy, PhD.

Through these books and seminars that are taught all over the USA and Canada, there are now thousands of people who will never have to make loans from an institution that inflates the money supply and creates “booms and busts.” You, too, can become your own banker!

Please see the October issue of BankNotes for the original article and others like it.

Maddie Coming Soon

submitted by jwithrow.Maddie

Journal of a Wayward Philosopher
Maddie Coming Soon

October 6, 2014
Hot Springs, VA

The S&P opened at $1,975, gold is down to $1,190, oil is hanging around $88, bitcoin back up slightly to $327, and the 10-year is checking in at 2.44%.  While this wouldn’t be a bad time to pick up an ounce or two of the yellow metal, the 10-year Treasury rate is what’s really worth keeping an eye on.  How long can the Fed keep rates suppressed?  Some say forever; some say until December.  I say “I don’t know”.  Assuming the folks who say forever are wrong, what then happens when rates go up? Some say the Fed can manage the increase in a gradual fashion; some say the poor 10-year Treasury has been cooped up for so long that it will blow through the roof once free of its chains.  I say “I don’t know” again but I tend to think the latter is probably more likely.  And then…

Shifting gears from economic future to family future, wife Rachel is 39.5 weeks pregnant as of today!  Coming soon: a little girl. How exciting!  We shall call her “Maddie”.  With Rachel busy working on her nesting list, I close my eyes and try to catch a glimpse of the future that awaits little Madison.

Look at all those traps.

Heavy metal toxins in infant vaccines? Round-up ready GMO fruits and vegetables?  Ouch.

Government-run public school system designed to feed the administrators and instill collectivist ideals in the children?  Probably best to steer clear.

Skyrocketing college tuition?  Will there even be jobs left in this economy in twenty-some years?

Opening my eyes, I am confident that we have a pretty good plan to help Maddie tackle the college problem: an infinite banking insurance policy paired with a “hands-off” approach.  We can fund a life insurance policy for Madison as soon as she turns two weeks old.  With an annual premium of $3,000 per year, the policy will have a cash value of at least $60,000 by the time Madison reaches adult-hood.  Then we sign the policy over to her and say follow your passion.  Want to travel the world?  Go for it.  Want to start a business?  Here’s your working capital.  Want to go to college?  No need for student loans.

Of course that $60,000 cash value figure is based on today’s purchasing power.  I am confident the insurance company will be able to keep up with inflation via long-term investments and sound actuarial pricing on new policies such that Madison’s policy dividends will keep up with inflation also.  Or maybe the dollar crashes and the insurance industry has to denominate their policies in gold in order to survive.  Wouldn’t that be something!  Then we wouldn’t need to worry about inflation because we would be using REAL money again!

Or maybe this strategy blows up in our face… who knows.  We examine the Infinite Banking Concept (IBC) in more detail in our book “The Individual is Rising” – you can get it here.

So what is college for anyway?  As best I can tell, people go to college to receive a degree that says they went to college.  Then they try to get a job where they can sit behind a desk all day.  That’s pretty much it.  I suspect there was a little more to it years ago (early-to-mid 20th century?) and of course there are some exceptions – especially in the specialized fields like engineering.

Think about it.  What is the first thing people say when they go to a job interview?  “I have a degree in such and such”.  This is supposed to be a strong selling point for the potential employee… but is it really?  What does having a degree actually tell you about someone?  You can probably safely assume that this person has spent a fair amount of time drinking cheap beer.  I don’t know that you can really deduce much else.  Doesn’t everybody have a degree these days?  Doesn’t the government finance ninety-some percent of those degrees?

Doesn’t sound like much of a selling point to me.

We live in a ‘have’ oriented society – we place a premium on ‘having’ things.  A degree, a nice car, a big house, a fancy wardrobe, you name it.  We tend to link our own self-worth to what we ‘have’.  We shouldn’t do that.  Much more important than ‘having’ is ‘doing’.  What are you doing to make your life better?  What are you doing to make your family’s life better?  But wait, there’s something even more important: ‘being’.  What is the nature of your character?  Are you a kind and strong-willed person?  Can others count on you to be honest?  Do you understand that your self-worth is derived from what’s within?  Do you recognize how powerful and wise you truly are?

Having is nice.  Doing is great.  Being is essential.  Focus on the being and everything else will fall into place.  This is the one lesson I hope my daughter learns from me; any other lessons imparted from me to her will be of lesser importance.  I also firmly believe it is a two-way street… I can’t wait to find out what she has to teach me also!

Back to the present: looks like I have some tasks assigned to me on wife’s nesting list.  It is best not to keep her waiting.

Until the morrow,







Joe Withrow
Wayward Philosopher


For more of Joe’s thoughts on the Great Reset and regaining individual sovereignty please read “The Individual is Rising” which is available at  The book is also available on Amazon in both paperback and Kindle editions.