Your Money (METALS)... Your Future...
Neither a borrower, nor lender be
By Mitchell Vexler, January 26, 2026
Issue: Capital controls
Issue: Crises of confidence (See article, Crisis of Confidence.)
Issue: Volatility of metals – Up. 20 delta Calls are greater value than 20 delta puts meaning the expected move is to the upside. 1, 2, or even 3, STDEV (standard deviation) moves can be expected and are buying opportunities.
Resource: Quantifying means don’t consider rumors. Rumors exist to manipulate.
Factors to consider with silver, gold and platinum (and commodities):
- National security - Government
- Industrial demand
- Years of Price Suppression
- Price Discovery, what you haven’t heard about
- More paper derivatives than existing physical – Paper chasing paper. – Tens of Billions of dollars short of metal meaning the contracts can’t be covered. What banks are involved? Can they afford to take the hit? Will the FED be needed to bail them out? Have bailouts already occurred?
- Trading Technicals
- Geopolitical such as Greenland
- Currency revaluation using a basket of commodities – gold, silver, platinum and maybe oil, wheat and corn for combined stability. M1 + M2 at 40% being backed by metals puts gold at roughly $40K per ounce and silver at 15:1 being roughly $2,600 per ounce.
- No third-party counter risk
- The global monetary system may be about to collapse (The Great Reset, or Basel Endgame).
- The biggest credit bubble in history will soon pop being $300T not including derivatives.
- There is no way the US can refinance its $28T in maturing treasuries in the next 4 years without an obscene amount of printing which will cause hyper inflation as it is just money being printed with not asset to back it up.
- Trump tariffs are slowing the collapse. I said on video before President Trump was even elected for the second time that “he will be elected and he will be able to blunt the blow, but he won’t be able to stop it”. The reason I said this is because I understand the rule of 72, a reverse amortization schedule, bond fraud, accounting fraud, and socialist policies all of which end in equity stripping and the collapse of treasuries internationally because the median household income does not exist to pay off the debt.
- Gold, silver, platinum, real estate without debt, and business without debt, and keep excess cash out of the banks, are the only meaningful method to stay out of the banking system
- Physical possession placed somewhere undetectable outside the banking system is crucial.
- The whole world right now is a game of fraud by fraudsters / banksters. See We Live in the World of Fraud and Fraudsters - How to Protect Yourself. Roughly 600 banks out of the 4,700 remaining in the U.S. are weak and would not exist but for the support of the Fed.
- Crypto is nonsense until it is backed by physical commodities and even then, if the government has their hooks in it to be able to shut it off and take the assets from its owner, it must be considered the opposite of what it was designed to be with no central control. It is important to realize 1.) A federal court ruled that Prime Minister Justin Trudeau's government acted unreasonably by invoking the Emergencies Act to freeze bank accounts of individuals linked to the Freedom Convoy protests, finding it an unjustified infringement of individual rights. This decision has sparked significant debate about the government's use of such powers and its implications for civil liberties in Canada. 2.) President Trump has filed a $5 billion lawsuit against JPMorgan Chase, claiming the bank closed his accounts for political reasons following the January 6, 2021 Capitol riot. JPMorgan has denied these allegations, stating that account closures are based on legal and regulatory risks, not political motivations. 3.) The governments through socialist policies (see socialism is a Noun. A synonym for socialism is theft, Last Rat Standing.) blew the bubble to the point of incomprehensible debt which will destroy the system as we know it today. Now, recognizing the facts, as the government did this in today’s world, what is to stop them from doing it again under a new currency regime? 4.) See The Importance of the Vexler case to Texas proving Institutionalize Systemic Moral Hazard, which must be eliminated.
- Real estate with debt (bank risk along with 3rd party credit risk) and tenants that are highly susceptible to inflation, crypto, stocks and bonds will all lose significantly compared to precious metals.
- The banking system has been designed to seize your assets to buoy up a collapsing banking sector, this is what they Fed has done since its creation in 1913 when the U.S. Dollar value was 1017 and today it is 30. That is both inflation and the loss of purchasing power.
- A weakening currency will cause severe trouble.
- The fed is printing money, not backed by assets, strictly to cover fraud and the reality of the rule of 72. They are then printing more money to cover the additional carry cost of more fraudulent bond debt, thus creating compound cumulative fraud upon compound cumulative fraud.
- You have ZERO counter party risk with precious metals in your possession.
Ending the Federal Reserve, which has no accountability and no oversight, will end the fraud of money printing not backed by assets. It will end the support of roughly 600 of the remaining 4,700 banks. It will allow the interest rate to be set by the market and governmental interest rate to be set by the President. It will prohibit the Federal Reserve from printing money to cover the outstanding fraudulent roughly $5.1 Trillion in school district bond debt. It will expose the fraud for what it has become which is unsustainable meaning there will be pain but it falls under the definition of controlled demolition and many other countries need the same clearing of the fraud that we do, so there is an opportunity to clean the books with journal entries and wipe out the participants of the fraud.
Did you know that the cost to carry roughly $5.1 Trillion in school district bond fraud is $28 Billion per month across the U.S., not amortized, meaning no pay-down. $28,000,000,000 divided by the taxpaying population of roughly 144,000,000 people means the cost per taxpayer per month, to pay for bonds that are literally not worth toilet paper as the bonds have negative value to the taxpayers because the principle is increasing not decreasing which means the liability is increasing and the Median Household Income does not exist to pay off or out the bonds is costing you an extra $194.44 / month in perpetuity today not including more fraudulent bond raises in the future. What exactly did you get for all the money you spent on these school districts over the last 25 years?
Yes, many countries are experiencing a sell-off of government bonds, particularly U.S. Treasuries, due to concerns over deficits, debt, and geopolitical tensions, such as trade wars. This has led to rising yields and increased borrowing costs in various nations. Interest rates are established based on perceived risk, not the wishes of any socialist Central Bank or Federal Reserve that prints money at will to protect the banks, not the citizens.
Key Factors Influencing Bond Sales:
Geopolitical Tensions: Recent threats of tariffs from the U.S. government, particularly regarding European allies, have heightened fears of a trade war. This has led to increased volatility in bond markets.
Rising Yields: As investors sell off bonds, yields are rising sharply. For instance, U.S. Treasury yields have reached their highest levels in months, with the 30-year Treasury yield nearing 5%. Similarly, yields on Japanese and U.K. government bonds have also increased significantly.
Rule of 72 proves the flow of interest especially as a result of COVID. We would not be in an interest deficit today if the Government / Federal Reserve had froze the debt on the printing of the money to offset COVID. They could have and should have done zero rate bonds as if in a period of war. The Fed could have frozen all interest. They did not. Who got the money? You are paying for COVID for the next 30 years unless the government peels back the interest which they can and should do.
The question then becomes what are the ramifications of not freezing the interest during times of economic stress and printing money instead? Followed by who received benefit and who was hurt? Who took advantage of the crisis?
Given:
- T-Bonds are worth less than face – M2 (see graphic below)
- School District Bonds are worth less than toilet paper as the fraud is proven to be 85% of the 100% increase in property values in the last 5 years alone.
- Car loans are defaulting*
- ACA health insurance premiums cannot be paid given the recent rise costs on top of the fact that it was a con to begin with*
- *Median Household Income does not exist to pay the interest on the debt never mind paying off the debt.
- Bitcoin may be headed to $60K
- https://fred.stlouisfed.org/series/M2SL
- https://www.federalreserve.gov/releases/h6/Current/
- The true value of U.S. Treasuries is influenced by their market value, which reflects current interest rates and investor demand, rather than just their par value. They are generally considered safe investments backed by the U.S. government, but factors like inflation, interest rates, and fiscal policy can affect their perceived value and yields.
- https://fred.stlouisfed.org/series/FYGFDPUN Market value of Treasuries held by Private Investors is $30T
- When interest rates rise, the value of existing Treasuries typically falls because new bonds are issued at higher rates, making older bonds less attractive. The exact decrease in value depends on the duration of the Treasuries, with longer-duration bonds generally experiencing a more significant drop in price.
- https://fred.stlouisfed.org/series/CCLACBW027SBOG Consumer loans.
We then must ask…what happens when the Federal Reserve increases the Money Supply?
Since its establishment in 1913, the Federal Reserve has significantly increased the money supply, especially during crises like the 2008 financial crisis and the COVID-19 pandemic, when it printed over $3 trillion in 2020 alone. However, the exact total amount printed over its entire existence is too complex to determine due to various monetary policies and economic conditions and is estimated to be in excess of $28 Trillion. Since the 2008 crisis and through the pandemic, the total money supply has increased dramatically, with estimates suggesting that the Fed has created over $6 trillion in new money through various QE programs. Federal Reserve data show that in August 2019 there was $14.9 trillion total in circulation. By January 2022, there was $21.6 trillion. In other words, more than 30 percent of dollars in circulation in January 2022 had been created in the previous 30 months. Thus, the inflation we now all experience daily.
Inflation, grows over time and now I am going to show you why!
Estimating Treasury Value Changes:
To analyze the impact on Treasury values in an Excel spreadsheet, you can use the following approach:
- Calculate the Price Change: Use the bond pricing formula, which considers the coupon rate, time to maturity, and the new market interest rate.
- Spreadsheet Formula: You can set up a formula in Excel to calculate the new price of the Treasury bonds based on the new interest rate. The formula for bond price is:
Where:
- = Price of the bond
- = Annual coupon payment
- = New market interest rate (8% in this case)
- = Face value of the bond
- = Time period until payment
- = Total number of periods
Example Calculation:
Assuming a Treasury bond with a face value of $1,000, a coupon rate of 4.25%, and 15 years to maturity, I placed these values into Excel to see how the bond's price (face value of M2) changes with the new interest rate of 8% and then broke it down to every 1% increase in interest rates.
This analysis will help you understand the potential loss in value of your Treasuries due to the increase in interest rates.

The loss of the face value of M2 (money in supply) is another measure of inflation which is the reduction of your purchasing power because you will be paying for that 1% rise in interest rates (loss) as the Fed will print to offset that loss and you bear the price of the liability of that printing. The same valuation method is applicable to U.S. National Debt or bond debt at the school district level. It does not matter whether utilizing U.S. National Debt, School District Bond Debt, or M2, the reality is that printing money not backed by assets is fraud which liability is passed on to all citizens whether they realize it or not, and then the interest on that fraud is growing compound cumulative for which more money is printed to pay for the interest and that liability is also placed on the backs of all citizens, thus forcing those citizens into bankruptcy or losing the roof over their head and increasing the probability of civil war or secession or worse among nations. This single paragraph proves beyond any doubt that the Federal Reserve, just like the school district bonds, is a fraud and these frauds, if not dealt with quickly, will bring down the economic system, the U.S. dollar, and have a major impact globally because many other countries bought off the garbage the Federal Reserve was selling and created the same Institutionalized Systemic Moral Hazard as did our Federal and States governments. The interest on the loss of purchasing power is also what you are paying for because the debt is not being paid off but rolled out and interest thereon rolled up.
Who got the benefit of the printing of the money at the demand of the Federal Reserve?
Answer: The banks participating in the existence of the Federal Reserve!
The Rule of 72 proves the flow of interest especially as a result of COVID or any other contrived emergency which is used as the excuse to print money not backed by assets. We would not be in an interest deficit today if the Government froze the debt on the printing of the money to offset such alleged “economic” emergencies as COVID. They could have and should have done zero bonds or zero interest as if in a period of war, which would have prohibited the stacking of compound cumulative interest on top of compounded fraudulent principal. They did not. Who got the money? You are paying for COVID for the next 30 years unless the government peels back the interest which they can and must do or the system will implode because socialism self terminates when you run out of other people’s money to steal and we are not at the point of printing money to pay the interest on the interest of what the banks / Federal Reserve has stolen. At a minimum, this interest can and must be clawed back so that the system has a chance to pay down the principle based on the existing GDP. At a minimum the existence of the criminal conspiracy to defraud being both the Federal Reserve and the State’s school districts must be terminated and the school districts bonds filed into bankruptcy. Unfortunately, the bond holders lose because they chose to invest in fraud.
The four irrefutable tenets of finance that cannot be denied:
1.) No government on the planet is bigger than the Rule of 72.
2.) No government on the planet is bigger than reverse amortization (not paying off the bonds).
3.) Printing of money not backed by assets has never worked in the history of economics.
4.) socialism self-terminates when it runs out of other people’s money to steal.
City councils such as Conroe, Minneapolis, and hundreds of others across the U.S. are corrupt both morally and financially and this is due to socialist policies where the government picks winners and in almost every instance, the picking ends up in losers and thus the loss to the taxpayer being both real estate taxpayers and sales taxpayers not just on the original theft but on the interest upon that original principal theft/debt until such time as it is paid off, which both Federal and States governments have proven they are incapable of doing. There is a high probability that Conroe will be the first city in the history of Texas to file bankruptcy, and deservedly, as the fraud has been laid bare for all to see. If the State of Texas steps in to bail them out, it is not the States money, it is your money and it does not change the compound cumulative cost of carry interest which continues to grow. We documented what happened in Conroe from the cement contractor for the Hyatt being on Council, to the CBRE report not being credible, to massive fees being paid for a PPP, to raping reserve accounts with no authority to pay interest with no possible way to return the money. Bankruptcy of the City and bonds is the only solution just like the City of Detroit. Institutionalized Systemic Moral Hazard wherein the courts fail to enforce the law, will lead to economic ruin because the rule of 72 and compounding is a much greater force than any judge or government. No judge and no government can bend the laws of physics or finance. This is why I have been pounding the table through the Amicus Brief to the SCOTX and the lawsuit with crystal clear evidence that “Either the law exists or it doesn’t…choose wisely!”
It is the avoidance of enforcing the laws, whether intentional or not, or regardless of the understanding of economics, is the reason society is in this mess. Thomas Paine was clear of the concept 250 years ago. See Thomas Paine – Quotes on Taxes & The Necessity of Taxation.
In support of Milton Friedman’s very notable efforts, I add this one question of proof that he was 100% correct. If socialism is so good, can you please explain how the CCP became the world’s largest owner of hotel rooms?
I have studied thousands of business models in my career and to cut to the chase, socialism is a business model. It is a business model of fraud by fraudsters. The list Articles and Interviews provided below are among the most important Articles I have written because based on my experience and understanding of business models, I peeled this dirty onion deeper than what has been previously studied over the generations and the conclusion is irrefutable.
socialism (it does not deserve a capital) is self-terminating and socialism ends when it and the socialists run out of other people’s money. socialists under Article 1 of the U.S. Constitution have the right to flap their gums, however socialism is a con and a cancer upon society which allows for the unfettered theft of all taxpayers and the creation of the economic catastrophe all societies will face and as such must be codified into law as illegal so that it never happens again.
Is the Federal Reserve, just like the school districts, a socialist enterprise? First, what is socialism?
In short, socialism is an economic and political philosophy encompassing social ownership of the means of production, as opposed to private ownership. It is a means to transfer wealth from those who earn it to those who do not, quite often in tandem with emotional extortion of those who earn it. Those in government on both sides of the isle who allow socialism to occur are just as guilty because not only did they refuse to adhere to the black letter of the law but they took your tax dollars into their pockets in the process.
Consider “JEFFERSON’S OPINION ON THE CONSTITUTIONALITY OF THE BANK”, from February 15, 1791, copied from The Writings of Thomas Jefferson, ed. by H. E. Bergh, Vol. III, p. 145 ff.
“The bill for establishing a national bank, in 1791, undertakes, among other things,--
1. To form the subscribers into a corporation.
2. To enable them, in their corporate capacities, to receive grants of lands; and, so far, is against the laws of mortmain.
3. To make alien subscribers capable of holding lands; and so far is against the laws of alienage.
4. To transmit these lands, on the death of a proprietor, to a certain line of successors; and so far, changes the course of descents.
5. To put the lands out of the reach of forfeiture, or escheat; and so far, is against the laws of forfeiture and escheat.
6. To transmit personal chattels to successors, in a certain line; and so far, is against the laws of distribution.
7. To give them the sole and exclusive right of banking, under the national authority; and, so far, is against the laws of monopoly.
8. To communicate to them a power to make laws, paramount to the laws of the states; for so they must be construed, to protect the institution from the control of the state legislatures; and so probably they will be construed.
I consider the foundation of the Constitution as laid on this ground--that all powers not delegated to the United States, by the Constitution, nor prohibited by it to the states, are reserved to the states, or to the people (12th amend.). To take a single step beyond the boundaries thus specially drawn around the powers of Congress, is to take possession of a boundless field of power, no longer susceptible of any definition.
The incorporation of a bank, and the powers assumed by this bill, have not, in my opinion, been delegated to the United States by the Constitution.”
Society, including Judges and Congress, were warned by Thomas Jefferson, Thomas Paine, George Washington, Milton Friedman, and dozens of other critical thinkers and all were ignored to the point of where we now are as a society which is the self-termination of socialist policies of which the Federal Reserve and the school districts are proof that their actions have caused over 42,000,000 households to be in harms way of bankruptcy or losing the roof over their head. See the Amicus Brief to the SCOTX.
The inflation policy of the Federal Reserve is a lie. In The Case Against the Fed, Murray Rothbard argued in 1994 that, although a supposed core function of the Federal Reserve is to maintain a low level of inflation, its policies (like those of other central banks) have actually aggravated inflation. This occurs when the Fed creates too much fiat money backed by nothing. He called the Fed policy of money creation "legalized counterfeiting" and favored a return to the gold standard.
It is important to realize that attorneys, who are officers of the court and held in esteem, are often at the center of the fraud i.e. Jerome Powell. Their job requires them to A.) adhere to the law, B.) understand the history, and C.) be able to use simple math. They failed not just at the Fed but throughout government both at the State and Federal levels. Therefore, these attorneys are either complicit in aiding and abetting for the purpose of having a job to be held in esteem, or completely ignorant by intent. There is no rosy picture to be painted here because the evidence is irrefutable. This is exactly why the actions of legitimate Judges is so crucial and why I keep stating that either the black letter of the law exists or it doesn’t…choose wisely! If the black letter of the law does not exist, and or has no protections under law, then it is the judges themselves which have allowed the support of the creation of Institutionalized Systemic Moral Hazard and thus promoted the very existence of the fraud upon society being that of the Federal Reserve and the School Districts.
These are just a few of the headlines within the last 2 weeks of pure socialism and the theft of your tax dollars by fraud:
- New York Scammers – Adult Day Care.
- Minneapolis – Feed the Future – Day Care – Medicaid – Medicare – Violence in the streets.
- Baltimore admits tax dollars going to non-profits without vetting or review.
- Los Angeles now under investigation.
- Conroe Texas Hyatt Regency Convention Center. See article, Municipal Bankruptcy.
Overvaluation and over taxation of property taxes is fraud and the ramification of socialism and socialist policies.
Printing money to cover the interest on the fraudulent principal which equals fraud upon fraud causes inflation if not hyper-inflation.
Every instance mentioned above and thousands more across the U.S. and in your county, all create inflation and you are paying for it. All of society is paying for it.
In Venezuela, inflation hit 800 percent in 2016, 4,000 percent in 2017, and 130,000 to 2,000,000 percent in 2018.
In Iran 1 U.S. Dollar is the equivalent of 1.4 million Rial and inflation in December was over 42.2% and is now increasing at a clip of over 3% / month. This is why people are rioting in the streets.
UK, Germany, European Union, Minnesota, Seattle are all coming apart at the seams and this is due to inflation. The inflation was caused by socialism which is caused by socialists.
Revolutions are created by inflation and inflation is caused by socialism and socialism is created by socialists. socialism self-terminates when socialism runs out of other people’s money to steal and that self-termination often ends in civil war. Any society is just nine meals away from civil war. If you can’t afford food, or can’t find food, civil war is the result.
The value of your house has not gone up 100% in the last 5 years. This is an illusion. The taking of your real estate tax dollars went up 100% to help cover the fraud of socialism created by the socialists who transferred your money into the pockets of socialists.
Even the Federal Government is being ripped off as a large portion of the income tax dollars paid to the Federal Government is sent back to the States to pay for the fraud of socialism.
Treason is also a noun, meaning the betrayal of allegiance toward one's own country, especially by committing hostile acts against it or aiding its enemies in committing such acts. The betrayal of someone's trust or confidence. The offense of attempting to overthrow the government of the state to which the offender owes allegiance, or of betraying the state into the hands of a foreign power; disloyalty; treachery. Are the actions of the Federal Reserve treasonous? This is an interesting question to ponder. However, let me try and bridge the gap.
Overview of the Sackler Family's Actions
The Sackler family, owners of Purdue Pharma, has been heavily criticized for their role in the opioid crisis in the United States. Their actions have led to numerous lawsuits and widespread public condemnation.
The Key Issues:
Promotion of OxyContin
Purdue Pharma introduced OxyContin in 1996, marketing it as a safe and effective painkiller.
The Sackler family was aware of the drug's addictive potential but downplayed these risks to increase sales.
Financial Gains
From 2000 to 2015, the Sackler family reportedly made around $4 billion from OxyContin sales.
They prioritized profits over public health, continuing to promote the drug despite growing evidence of addiction and abuse.
Legal Accountability
Multiple lawsuits have been filed against the Sackler family, alleging they knowingly misled doctors and patients about the risks of OxyContin.
In 2018, several family members were named as defendants in lawsuits from various states, highlighting their direct involvement in Purdue's deceptive practices.
Response to the Crisis
The family has been accused of stigmatizing those affected by addiction, referring to them in derogatory terms.
Sought Profit from Crisis
They also sought to profit from the addiction crisis by developing treatments for opioid addiction, which critics argue is hypocritical.
Cultural Impact
The Sackler family has faced significant backlash, being labeled as one of the most reviled families in America. Their actions have sparked discussions about corporate responsibility and the ethics of pharmaceutical marketing.
Did the Federal Reserve since it’s creation in 1913 not follow the exact same blueprint as the Sackler family’s Purdue Pharma?
By 2021, facing more than 3,000 lawsuits from states, cities, and Native American tribes, Purdue filed for bankruptcy protection. Its first settlement proposal, valued at $6 billion, sought to shield the Sackler family from future civil lawsuits.
In August 2024, the U.S. Supreme Court rejected that plan, ruling that non-bankrupt individuals cannot receive immunity through a corporate bankruptcy case. The family then returned to the negotiating table, agreeing in January 2025 to the $7.4 billion settlement now awaiting court approval.
Under the deal, Purdue will be restructured into a public-benefit corporation, directing future profits to addiction recovery and education. But for many victims and legal experts, the settlement feels hollow. Financial accountability has come—but criminal accountability has not.
The Legal Question: Why No Criminal Charges?
The most enduring mystery of the opioid crisis is why, despite overwhelming evidence of harm, no Sackler has been criminally charged. The answer lies in the narrow way U.S. law defines corporate crime.
Under the Food, Drug, and Cosmetic Act (21 U.S.C. § 331) and the Controlled Substances Act (21 U.S.C. § 801 et seq.), prosecutors must prove that a specific individual knowingly and intentionally misled regulators or distributed a dangerous drug unlawfully. Proving that level of intent at the executive level is extraordinarily difficult.
Can the Federal Reserve be seen as the drug pusher of trillions of dollars of printed money also utilized by foreign countries, for which its existence is dependent upon? You may as well be the judge, because you and society are paying for it.
This Article follows a recent series of important Articles & Interviews that should be read by every citizen in the U.S. Canada and any country across the world that is suffers from the increased indignity of socialist activities.
Those Articles & Interviews include:
- socialism is a Noun. A synonym for socialism is theft, Last Rat Standing
- Chain the Doors of the Federal Reserve
- The Federal Reserve is a Failure - Thesis & Fact Part 2
- I Don’t Know What They Think They Know, What I Do Know is This…
- We Live in the World of Fraud and Fraudsters – How to Protect Yourself
- Daily Affordability is Unobtainable - What can you do about it
- How to Audit Your School District & Central Appraisal District
- https://www.zerohedge.com/political/socialism-noun-synonym-socialism-theft, article republished by zerohedge.com
- The Legacy of Governor Abbott: Governor Abbott’s Empowering Texas Taxpayers is the Embodiment of Institutionalized Systemic Moral Hazard
- $23 Trillion Property Scam That Will Bankrupt America, Daniela Cambone
- US Mint REPRICED Silver up 80% - BANKS BLOCK Metal Buyers, Real Estate Mindset
Just like judges can be impeached, so can City Council members be removed for cause. It takes an active local community to get the job done. It takes dozens of active local communities to get the job done on a national level. The corruption is irrefutable and traceable, and you are paying for it.
Please feel free to forward this article, the above articles and videos, as the more people (including government officials) that know, the better off we will all be. Your active participation in community is no longer an option. It is a civic duty and your civil right.
Repeal all property tax (including hotel taxes) in favor of the Uniform States Sales Tax.

















