future of money and finance part 6 crypto tokenization no cbdc presented by

In a recent episode, the discussion centers around the evolving landscape of currency, particularly focusing on cryptocurrency, tokenization, stablecoins, and central bank digital currencies (CBDCs). Rob Cunningham highlights that cryptocurrency is fundamentally rooted in mathematics, aiming to create a reliable accounting system that prevents economic manipulation and ensures fair trade. Jim Pugh adds that cryptocurrencies serve as transactional vehicles similar to fiat currencies, capable of facilitating various exchanges, including land transfers. This conversation also touches on biblical perspectives regarding currency, emphasizing the distinction between fiat money, which derives its value from government decree, and gold and silver, which are viewed as more intrinsic forms of currency.

The episode delves into the historical evolution of currency and technology, drawing parallels between past advancements and the current shift towards digital currencies. The speakers argue that technology is a manifestation of human creativity, and the intentions behind its use are paramount. They express a belief that a new currency system, potentially controlled by benevolent forces rather than traditional central bankers, could emerge. The discussion also introduces stablecoins, which are proposed as a future currency form that is fully backed by tangible assets, thus preventing inflation and ensuring stability in value. The Genius Act is mentioned, which mandates that stablecoins must have a one-to-one backing with sound assets before issuance, aiming to create a standardized currency system that could eliminate manipulation and foster fair exchange.

The conversation further explores the implications of inflation, attributing it to excessive money printing and manipulation by central banks. The speakers argue for a transition to a sound money system that prioritizes asset-backed currencies, which could mitigate inflation and restore trust in financial systems. They emphasize the need for transparency and accountability in financial transactions, advocating for a shift from centralized control to a decentralized approach that empowers individuals to manage their assets. This transition is seen as essential for fostering economic health and ensuring that financial strategies are accessible to all, not just the wealthy.

As the discussion progresses, the speakers acknowledge the speculative nature of cryptocurrencies, likening them to a casino, while also recognizing their potential as tools for investment and wealth protection. They highlight XRP as a significant cryptocurrency due to its unique collateralization with assets like gold and treasury bonds, setting it apart from more volatile digital currencies. The episode concludes with a reflection on the broader implications of these financial innovations, including the need for individuals to educate themselves about their financial sovereignty and the importance of responsible financial habits. Despite the challenges and skepticism surrounding the transition to digital currencies, there is an underlying optimism about the potential for a more accountable and transparent financial system in the future.

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Let’s go, go, go, go, go. Broadcast loud for the world to know. Here we go. Much welcome back everybody, to the future of money and finance. We are in episode six. Today we’ll talk about cryptocurrency, tokenization, the ecosystem of stablecoins, and we’ll answer the question, will there be a central bank digital currency? With me today, the guys that make this possible, our techno cool cat, Mr. Rob Cunningham. Rob talks and speaks to everything about tech, the financial future, technologies, tools and concepts. And we have Jim Pugh. Jim is at the epicenter of international finance for many years and the absolute authority of all I know on all things spiritual about money and finance from a biblical perspective.

Well, guys, I continue to say I’m blessed to know you and be able to work with you on this series. Thanks for being here today. In our episode today, we will continue to receive blessings as we are now joined by our friends at Ironhawk Financial. And we will feature financial insights from Joe Lombardi. And Joe is waiting in the wings today and he’ll join us later. So, gentlemen, let’s get into this right away. I’m going to start with you, Rob. Tell us generally this term cryptocurrency. Everybody’s heard about Bitcoin. I think most people follow. The three of us have heard about things like XRP and Ripple.

They’ve heard the term stablecoins. They’ve heard all these terms. But can you tell us what cryptocurrency is? The fundamentals of cryptocurrency? Sure. Maybe the best way to approach this is just understand that there’s a. Mathematics is a perfect design. It’s a perfect science. We didn’t create mathematics. It was. It’s something that we. That’s built into the DNA and the architecture of humanity, civilization as a universe. It’s a. It’s a universal principle. That’s true. Okay. Cryptocurrency is nearly software. It’s, it’s. It’s an attempt to use mathematics to validate assets, accounts, identities, value, abundance, resources, money, currencies, gold, commodities, you name it.

Okay. And so cryptocurrency is a method where there’s an effort to get to absolute truth. My value, your value, my worth, your worth, my market, your market, our country, your country, our resources, your resources. And through what Scripture says is a delight to the Lord is honest weights and measures. Dishonest weights and measures is an abomination. So how do we keep score honestly around the world when we trade between people, nations, corporations, NGOs? Who is the ultimate referee of truth, veracity, ownership, title, value, settlement, record keeping? How do you we in 2026 keep an honest record so that we don’t have a constant state of war, we’re not turned into debt slaves, we don’t owe the City of London $40 trillion and we don’t play around with Monopoly money that’s just printed out of thin air.

The, the purpose of cryptography is just one piece of this puzzle where the forces that be are trying to create an honest accounting system that’s respectful to all parties and most importantly, respectful to the protocol of honest weights and measures. Though that’s in a nutshell, crypto is a critical component to trying to put together this system that money changers that go back thousands of years have put together. And they sure do not have our best interest at heart. Indeed. Thanks. And bringing cryptocurrency into the equation is one of many pieces, as you said, Rob, which is why we’re doing this 10 part series, because there’s so much involved.

Jim, I want to have you add to the cryptocurrency and bring in if there is a biblical perspective in particular. What, what did the Bible say about technology and things like cryptocurrency? Was there any clues left for us in the Bible? Oh, sure. But I would like to add something to what Rod said and he’s, I think he’s directing people to understand the baseline of the system. But in looking at, looking at this from a, from a different perspective, you might say that cryptocurrency is no different than any other currency out there. It could be fiat currency, it could be whatever.

You can just tie it to the same thing. It’s just, it’s a vehicle to, to transact whatever. It could be a transfer of land, it could be transfer of a sell of a home, it could be trans money. But cryptocurrency as it is just a definition of cryptocurrency, without looking at the system behind it, is just a currency Whether or not it’s. Whether or not it’s controlled by the government or whether or not it’s controlled by an individual, it’s just a currency. The process behind it, as Rob eloquently talked about, is what makes it work. But it’s in an.

In and of itself. It’s. It’s just no different than a. Than a penny in actuality. That’s a great explanation. It’s. It’s good to note, for people who are all new to this, that cryptocurrency is just another form of currency, and it will bring us into a digital world. And in that respect, it can do all the things Rob talked about in terms of honest weights and measures. Sure. Back to you. Okay. And so, in looking at this from a biblical perspective, I would take you back to Jesus is talking to his disciples in Jewish people, and he made a specific reference in Scripture that says, give Caesar Caesar’s and give God what’s God’s.

Okay. And what he was talking about was the difference between two currencies, one currency being the king’s currency, that was based upon a value set of whatever they assigned to it, fiat currency. And the other is the asset value of God’s assets that we have talked about eloquently over. Over a period of. Shows that is identified in Hosea that gold and silver are God’s currencies. And then he went to the river and. And a fish came up and he pulled a gold coin out of the mouth. Okay. To show that there is a difference in this now, in looking at the technology.

Technology was there. It was identified in Scripture as well, but it wasn’t quite in the banking system yet. It was more in tune with getting the world set up for. For what was to come. I just watched this briefly. I just watched a series on the House of David when swords shifted from brass to iron. And so that was a technology shift because they found out that the charcoal that you would use in barbecuing could actually harden steel to the point that. That it wouldn’t be broken. And that was interesting to me because that shows that the technology that we had, we just assume today, had to go through the process of implementation.

And it began way back when. So technologies in the Bible, not cryptocurrency, basically, but two currencies are in the Bible, and one is controlled by the government, and the other one is controlled by God. In looking at what we have today, we have the same process going on, is we’re moving from the government’s controlled currency back to God’s currency, which is what he gave mankind to operate under in the, in the ancient times. And Jim, Scotty, can I add to that real quick? Of course. A couple of side notes to Jim’s beautiful point here. Let’s go back even further than the steel.

Oh yeah, the wheel was technology. What did we do before there was a wheel? How did we carry everything? We didn’t have wagons. So the point I’m trying to make in the gym is made so brilliantly is technology is just another name for creativity. It’s innovation, it’s evolving, it’s understanding, it’s learning, it’s growing. We went from copper to steel. We went from carrying things in our back to carrying things in a cart with wheels on them. We went from the horse and buggy to the car. So technology in and of itself. Think of it this way.

I love to say this saying that the Creator created creative co creators us to create. If the Creator is omnipotent and omniscient and omnipresent and we are of the essence of that omnipotence, then we should create continuously. Technology is just creation. It’s nothing to be afraid of. It’s the hand on the gun that you should worry about. It’s the heart of the man who has the hand on the gun, not the gun itself. It’s the heart of the people driving the technology, not technology in and of itself. Heart of the man will be an important point when we come back to talking about the heart of the central bankers versus the heart of God.

We’ll, we’ll call them white hats that we believe will control the new system. Jim, did you want to add. Yeah, I just wanted to say, you know, going back, there’s, there’s two scriptures that come to mind as Rob was talking about. One is, is, is scripture in Ecclesiastes that says there’s nothing new underneath the sun. Which means that everything that we have created existed before we created it. So what is, what is true creation? What is true? It’s basically a revelation of the truth from scripture. Going back to Rob’s point about truth and weighted and measures.

Everything ties together so in a night ball so that people need to understand it all goes back to the source. So we, we create by God’s revelation to us on what to create. All right, because it was already created in the heavens before the foundation of the world. And we just are implementing that which at the right time, God says it’s now time to bring it out. I guess it was inevitable given technology AI and where we’re headed, that currency would become a digital form of payment. And being able to take care of our lives from a mobile phone with digital currency seems to be the future.

Let’s get into tokens, also known as stablecoins. Hopefully tokens will be stable coins and backed by hard assets. Rob, tee up, tee up the idea of tokens. Sure. If everyone could paint this mental picture in their head, just assume that there’s. Let’s just use 207 as the number of nations in the world, okay? And let’s assume theoretically the nation’s leaders agreed to adopt stablecoins. Okay? The definition of the stable coin is defined in the Genius act that was passed in early 2025 is there has to be a one to one relationship, a correlation between sound assets one to one or less.

There has to be backing. In America, a Stablecoin requires a one to one custody account of US treasuries that are 93 days or less. It could be gold to be, silver to be whatever people agree upon. But for right now, a stable coin in America has to have a hundred percent backing before a single stable coin can be issued. Well, that does two things. It makes money sound. It can’t just be printed out of thin air, and it eliminates fractional reserve lending. You can’t just put some money in the bank and all of a sudden loan out 10 times or 20 times or 100 times what you have in the bank.

So now if every nation has a stable coin that adheres to that same definition of sound Money, well then a 20 equals 20 equals 20 equals 20 and you get rid of this perversion of currency exchanges and interest rate manipulations and geopolitical engineering and changing the currency valuations in China so we can lose all of our manufacturing in America and ship it overseas. If everyone is using the same mathematical protocol and the same standards of collateral backing every dollar issued by that government, we have a level playing field. So in essence, tokenization allows us to even tokenize the amount of currency in circulation.

If America’s got trillions in circulation, we better have trillions of dollars in debt collateralizing that circulation. And that is technologically verifiable. We will be able with the technology that we have today, to determine what the ratio is between every country’s currency in circulation and the actual assets they have in custody that back those currencies. So we can’t just. We don’t have to deal with counterfeit money printing anymore. The stable coin is stable and valid or it’s not Period. Jim, with the current system we have printing of money out of thin air. We have rehypothecation of money the same dollars lent a thousand times over.

So this is this idea of stablecoins and tokens kick inflation in the butt with. Does that really give us a handle on controlling inflation? Is there some correlation there? Well, yeah, you have to define what is inflation. And basically it is a, it’s a value set that is arbitrarily placed upon the value of whatever currency you’re using, predicated on the fact that it’s not asset backed. Okay. You’re able to manipulate it. If you look at the world’s economy, everything is inflated and it’s price set. The central bank sets all the prices for every goods and commodities that exist as a base and then they manipulate it as they go forth.

But inflation can exist if you have a set value for your currency. It doesn’t exist. Now that doesn’t, that doesn’t mean that your price of your products, goods and services are going to increase because of somebody’s manipulating. What it’s going to do is going to take everything back to what we should have learned in, in our education process of this concept of supply demand. If you have more demand for your product and you have less supply, then people are going to be wanting to pay more because they want your product. That is the baseline of capitalization in what should have been the world system.

So we’re gonna, we’re gonna, we’re not gonna see inflation, but you are gonna see prices go up. You’re going to have a market based price about what somebody wants to pay. That’s, that goes back to ancient times in the Bible too. I mean they, they mainly use the barter system. So if somebody had a, had a cow that was producing milk and the other person didn’t have that cow to produce milk, what would they give to get that cow? That’s supply and demand. And that is, that is how this system is being set up so that an individual can determine what is their price point, that they’re willing to pay for whatever they’re seeking to acquire.

And that’s where it’s going to go. So yeah, there’s a, there’s a correlation here of stable verifiable asset value of currency. And when you have that, you have no inflation. Why? Because everything’s valued, Everything’s valued at that price. You can’t manipulate that price. You can’t be fictitiously determined. And Scotty, to Jim’s point, I want to drive this. We Have a brand new Fed chairman who’s backed very much by Treasury Secretary Scott Bessette and Dr. Judy Shelton’s belief that the definition of a Glacian is too much currency chasing too few goods. It’s an artificial inflation of the supply of currency detached from actual value.

Okay, if you can’t have this ridiculous, you can’t hit a keyboard and add $4 trillion into the system, you’re not going to have artificial inflation created by money changers or bankers. So the point being is growth doesn’t cause inflation. Flying airplanes doesn’t cause inflation. Innovation like the iPhone doesn’t cause inflation. People getting more jobs being created doesn’t cause inflation. It might cause the value of something to go up because people want more iPhones. But that’s not inflation, that’s demand. Demand does not create inflation. So all of this happy talk we hear on Wall Street Journal and CNBC and Fox Business about what’s the Fed going to do? Oh my gosh, so and so’s really cooking over there.

Their GDP is growing. We’re going to have to slow that down by raising interest. No, that is all man made kabuki nonsense. Growth and prosperity and abundance does not create inflation. Money printing creates inflation. Think about this, Scotty. Let’s just put it into. I like to listen to Rob because he puts it all down and then I think about it and say, how would I as an average citizen look at this. Let’s just take a scenario when, when all of these governmental programs that they’ve got set up, all of the welfare programs, all of the gnos, all of this stuff that they have set up in order to launder money, when they want to increase their pocketbooks, they print money and they take it through this organization.

Every time they print money, inflation goes up. So what we as citizens have allowed to happen is we don’t understand the system that they have put in place in order to line their pockets. And in doing so, what we’ve allowed is inflation’s a tax. And so what we’ve allowed is them to tax us by increasing the value of goods and services based upon this system of interest rates and, and supply of money and so forth, we’ve allowed that to happen. So what? Why, why is the government in the past watch disclosing this, these issues on fraud, waste and abuse.

Why? Because though that is their line of money laundering and they got to get that out of the system in order to prevent those types of things to take place in the future. Because we’re going to a sound Money system. And in doing so, you can’t have that activity going up. Before we talk about the idea of a central bank, digital currency, and the central bankers who have controlled the fiat money system for our entire life, I want to get into the idea of token ecosystem. Explain this whole ecosystem around Ripple, which is essentially a company that is in the token business, correct? Yes.

In essence, if you want to look at the DNA of the fabric of tokenizing real world assets and real world assets is broadly defined as. Think as Jim had said earlier, it can be a car, title can be a house, it can be land, it can be a cow, it can be silver, it can be an annuity, rights to a record you produced, it’s an asset. Certain assets that are issued by nations that are supposedly good stewards of government, nations that are responsible for administering the money system within each country so that people can do commerce together, investments can be made, manufacturing can happen, employment, prosperity, all of those things, all of that needs to happen with a proper accounting system that’s based on honesty.

So if you can tokenize things that are critical to the health of an economy and then operate it mathematically, just think of, there’s. Just think of the world having one big quickbook system, okay? Not a hundred systems. You can the standards for a ledgering IOU or you owe me, I own this or you own this. Those very fundamental principles have to be unambiguous, they have to be precise, they have to be lawfully recognized. And there has to be a sense of fiduciary responsibility to make certain that the liquidity system within a nation or between nations is one that facilitates trust, verifiable trust that can be inspectable instead of institutional narratives.

We’re told to just accept what this flywheel does and this ecosystem does is allow everyone to live in truth. Think of truth as a system. Where does money come from? Who originates it? What makes it sound? Where’s the how is it traded? How does mutual consent between two parties play into? Is it stolen? Is it extracted? Is it diluted? Is it debased? Is our value destroyed by inflation, by taxation, by usurpation? Or is it open and honest and verifiable, with accountability built into the system at every step of the way? Can we all nations, leaders, countries, companies, institutions, agree on certain immutable principles that are steeped in truth? Or are we just going to let everybody wing it and everybody tell us their version of truth and everybody run different agendas? And that leads us right back to the system of money changers that Jesus flipped over in the temple.

You either have to be able. This goes back to honest weights and measures, which are a delight. Everybody can see it, inspect it, we can look at it. We don’t have to place our trust in an institution, a central banker or government. Or we can go to a system that is a delight in the Lord’s eyes, of honest weights and measures. And measure everything. How? Through the science, the revealed science of math, algorithms, real world assets. This, this ripple flywheel, if you will. It starts with liquidity. Think of liquidity. What’s the number one most abundant asset in the world? Water.

What are our bodies made out of? 80, 85? Water. What’s important? With probably the single most important ingredient in financial health, there’s liquidity. Markets have to have liquidity. So they’re gonna bid and ask. There’s a buy and a cell, there’s willing buyers and willing sellers. Or else you can’t sell your house, you can’t sell your car, you can’t, nobody can get credit. There’s no liquidity in the housing market. The housing market dies. There’s no liquidity in our body. We die. There’s no liquidity in the financial markets. The financial markets lock up. But the point here is we need to have pure water, not poisoned water, real water that’s healthy in the system instead of stuff they call water created by the Rothschilds and manufactured only in the City of London.

That’s the difference. And so this flywheel is an effort at wrestling control back into the open with full transparency and accountability at every step of the way where everyone is held accountable through inspectable books and records and transactions instead of us having to, in the Rothschild we trust. It’s a reversal. If this is a modern day technological flipping over of the money changer tables to a more honest system. Excellent explanation, Rob. You know, it’s a whole new world and I think, myself included, there’s a lot to learn. And Rob, you’re creating a lot of good information.

We’ll get to where people can follow you in a minute. Jim. Before we bring in Joe Lombardi, America’s financial quarterback, I want to ask you the question that comes up the most in my conversations with people. All right, so what we’re going to digital currency, we’re going to be stable coins, all this good talk, but it’s going to be a central bank, digital currency, because they’re not giving up control of the system. So whether we have cash or digital stable coins, all this talk does not alleviate the concern of a central bank. So I want you to jump in.

I know you have a real good handle on this. You’ve been following this for many years. What say you about a central bank digital currency coming into play? Well, the concept of the central bank digital currency is one of central bank control. And what they have, what they have done to offset that is to move the control over your assets to you. And in doing so, you’ve taken then the middleman, the processing of control out of the system. So what, you know, tokenization is nothing more than just another to go back to the crypto. It’s just another form of currency.

It is the ability to use something digitally to move a transaction in seconds versus having control in days. So the movement in the direction from a central banking system to a sovereign banking system means that basically there is no individual or entity in between you and that which you want to use your assets for. There’s no control point. You control it. That is the, that’s the basis of the reason why there is not going to be a central banking currency put in place because they want you to control your assets, not somebody else. That is a, that’s not only a, a change.

It is basically a right to have, under the Bill of Rights, control over your assets for your own freedom. They can’t utilize them for their benefit. It’s, it’s yours. And in looking at that, the individual is going to have a problem with all of this because number one, their system of their agenda, that’s two things. They have an agenda and they got a system to meet that agenda. The system of their agenda programmed us early on in our education system of one way of life. And we have the whole purpose of reason why I wanted to join the series, you guys, is the education of the people to understand that they have got to educate themselves on the fact that they’re now in control.

Nobody else is going to tell you what to do. Nobody else is going to manage your assets. You have to do it. That is what sovereignty is all about. And that’s going to hit a lot of people square in the face. And so when we look at the central banking process, we need to also understand that there is going to be a type of bank that’s tied to the government in order to, to centrally control payments in trade. All right, now whether you call that a central bank or whether you call that a Treasury bank, or whether you call it whatever name you want to call it, the process of governmental trade, one country to the other, has got to go through a system just like a system that I would transact with either you or Rob.

Okay. So there they have a layered system that is going to come out for a government payment system. However you want to turn this, a government payment system between countries because they’ve got to balance this. And, and we’re not going to balance our part of the system being what we would term is a retail banking component. Our part of the system doesn’t balance that. Okay. They have to have a balancing system between countries to ensure that this fairness, this, this truth is, Rob, put it the truth in weights and measures always is in balance. So we’re never going to get away from what we might think of as a central bank, but we’re getting away from a central banking system in order to provide us, the people, our sovereignty.

Sounds to me like we’re moving from a very centralized money system to a much sounder money system that is decentralized. And that’s exciting to me. Rob, I know you’ve got to get going, so we’re going to cut you loose. Rob, tell us where our listeners can find you, please. Sure. Right on the screen. You can see there my website is Cool show and on X, where I spend a lot of time and pretty much post all of my content there for free is at cool show. No.in the call sign Scotty. Thank you for having me on.

It’s been a, it’s been a great episode today. It’s great to have you, Rob. And of course, we’ll see you next week on the future of money and finance. Thank you, brother. See you later. All right, ladies and gentlemen, we’re coming up to a break and on the other side of the break we have our good friend Joe Lombardi. He’s here to talk about the financial strategies of the super elite. How they protect and grow their wealth exponentially. So stick around for our segment featuring financial insights from Joe Lombardi as the future of money and finance rolls on.

We’ll see in a minute. This is Scotty Sachs here. If you’re watching the video series the Future of Money and Finance, sponsored by our good friends at Ironhawk Financial, you’re probably well schooled in the money system that we’ve been living in for decades. So let me ask you a question. Why should the wealthy and elite bankers have all the best financial strategies? Why is it reserved for them? Well, Joe Lombardi, America’s financial qb. Joe knows he’s made it his business to learn these strategies. Joe studied these strategies used by the ultra wealthy and elite financial institutions, including how sophisticated investors use the Tax code strategically to protect and build wealth.

Here’s another question. Did you know the IRS tax code contains financial advantages that the ultra wealthy have been using for years? They’re not tax secret loopholes. They’re built into the tax code. The problem most average investors and even many financial advisors aren’t looking for them. Joel Lombardi is as America’s financial qb, he knows the playbook. And now those strategies can be part of your financial playbook. Jonah’s sister Marianne run a Patriot family owned business where you get personal one on one attention. You’re not a number on a spreadsheet or at some big financial firm and you don’t have to be a millionaire to get started because Ironhawk works with investors at virtually every level.

Whether you’re building wealth, protecting what you’ve earned or or planning for the future, you need financial strategies that keep you winning. So are you ready to see what this could look like for you? We’ve got a solution for you today right here. We want you to go to gowith hawk.com answer a few quick questions and an Ironhawk financial specialist will reach out to you within 24 hours to help you explore your options. Go to GoWithHawk.com and learn more. That’s GoWithHawk.com GoWithHawk.com Tell them Sovereign Radio, Scotty Sachs and Jim Pugh sent you. Thank you very much for listening.

Welcome back to the future of money and finance. This is our segment Financial Insights with Joe Lombardi. Joe’s going to bring us up to speed on how he as a wealth manager will deal with cryptocurrency and the tokenomics of the new world. But I want to first tell you this man, Joe Lombardi is not your typical financial advisor. Financial advisor. This is a guy that’s helping 4,000 clients and you to be your own bank. Providing insights into using financial tools that only the financial elite. Joe’s got the game down. He learned how to play the game.

The tax advantages, they’re not loopholes, they’re written into the tax codes. And Joe knows how to deploy these things to gain greater control over your money and build wealth on your terms, just like the central bankers do. So Joe, it’s great to have you back. Welcome. Thanks for having me back, Scotty. So Joe, you’re been in the financial wealth management business a long time. This idea of cryptocurrency and tokenization and stable coins, what does that mean to you as a wealth manager? I mean as a, as a human? It, you know, it allows me to see Transparency, which is something we’ve been begging for as Americans.

You know, there’s been a lot of deaths like 9, 11, and different things like that, where there was $4 trillion mission missing out of the military budget, and all of a sudden the missile hits Pentagon, where they were looking at, where all the forensic accountants were looking at is $4 trillion, and they all died, and they claimed it was a plane. So there’s. There’s been a lot of horrible things that came with money from the Federal Reserve, you know, the Olympic, which wasn’t the Titanic that they, you know, sunk on purpose, killed those innocent people to get all the Federal Federal Reserve people that were, you know, opposing it.

So this. This goes back hundreds of years. So it’s. It’s. It’s exciting. I believe that, you know, are they going to have back doors in the system, of course, or they wouldn’t allow it to come out. Let’s be real here. But is it a more balanced and transparent system than let’s just print money and put it on a plane and drop $4 billion off in Iraq or, you know, Iran, like Obama did? So when you. When you look at it, it’s exciting as an American that we have a system that has more accountability, more transparency. In regards to how it affects my everyday life, because I’ve been doing this now for 24 years, I don’t think it’s gonna do much.

I think. I think people are making a lot to do with nothing. Right? We were on a gold standard, and then we were on a gold standard. What happened? Nothing. So now we’re on a fake fiat currency, and now we’re going to a fake fiat digital currency. Okay. We already are living in a digital currency. I’m on my phone if I want to buy something on, you know, the ad on anything, Amazon, ebay, I want to buy a Chinese food, I just hit buttons, you know, and then boom, you know, my money goes from me to them.

So it’s sort of. We have a system like this already. I believe the credit card companies and the debit card companies are the ones that created this system. The banks have been left far, far, far behind. I mean, if. If I were to wire you, money could take two days. You know, if I were to send you an XRP payment, it would take two seconds. So, you know, the. We have to understand that, you know, society as a whole, I believe, is a lot farther along than the banks and the government. I mean, just. Just in my town, and I live in a very wealthy town in Connecticut, they Don’t have any computers.

So, like, when you have to pay town hall, you have to go there with a check and they gotta put it in like, like it’s 1970. They gotta go in there, put the check in. So there’s, there’s a level of technology that on the state and government levels just isn’t getting done. And, and people are stuck in their ways and, you know, but in regards to how it affects me and my clients, I mean, we have, we have crypto annuities, you know, like, if you want to be in the crypto space and not lose a penny, there’s definitely strategies out there, you know, that these investment insurance companies are creating to give exposure to like the gold and silver market or the crypto market.

But you can’t lose, you know, if, if there’s, if there’s a down. So the, in regards to crypto, I, I invest in it. I’m getting my butt kicked. I’m down hundreds of thousands of dollars in the crypto market in the last year. But, you know, diamond hands and hold. Right, Scotty? Right. So, Joe, you recently brought on, I think on staff, a crypto guy who knows the crypto markets. Now, will you be involved when you tie cryptos to annuity? Will you be involved in recommending specific cryptos to your customers? Is that why you brought on a crypto guy? So he can say, hey, these are the three or four cryptos I want to tie your annuity to? Is that the idea here? Well, I’ve been getting that question recently, I’d say over the last 36 months.

And I don’t claim to be a crypto expert. I’m a financial planner. I know enough about crypto to get me in trouble and apparently lose money in my Robinhood account. But when it, when you understand like how important it is, how it could be added to portfolios, how you can, you know, what percentage do I put in? You know, do I just own Bitcoin? What, you know, why not Ethereum, Why not Ripple or xrp? So these are the questions I’ve been getting, you know, and then of course, you just say diversified, diversified, diversify. But if there is a coin, because, I mean, if you diversified the dot com stocks, right, 99 of them were worthless.

But if you invested in Target.com Walmart.com, you know, you made a boatload of money. So is there going to be some token coins that, you know, go to the moon as they have their own language, these, these, these young crypto investors. Hilarious. But, you know, is There going to be winners and losers. There isn’t everything do I do I want to try and, and, you know, be on the winning side, not only for my clients, but for myself? Absolutely. So is there, is there, you know, merit to bringing in somebody who’s a specialist in crypto? Absolutely.

And I have him meet with clients that have questions that are above my pay grade because at the end of the day, I don’t really care that much in regards to how money’s transacted as long as I have it. And, and I could pay my bills and protect my family and put a roof over my head and food on the table. But at the end of the day, it’s very fascinating and it’s fun to try to figure out what’s going to happen. How is the Fed gonna hold it like they do everything else, Control it like they do everything else, Manipulate it like they do everything else? How are they going to do that when, you know, we have these blockchains that are transparent? Are they going to be putting black lines on those old CIA documents on the blockchain? So, I don’t know.

I mean, it’s, it’s, it’s fun and exciting to learn about. Ideally, it’s great to make money with, but it’s, it’s, it’s insanely volatile. I mean, you know where it stands now, XRP is down 75 in the last seven months. That’s, that’s a lot of wealth that is no longer there. You’re talking trillions, you know, hundreds of billions, excuse me, of dollars that are no longer there. So it’s fun, but to me, it’s insanely speculative. And I look at crypto as the casino, like the most aggressive casino. And some people win, some people lose. Right, as that song goes.

So you’re very pragmatic about the whole crypto space. To you, it’s another investment vehicle, it’s another tool. And you’ll fit it into your clients portfolios where it makes sense. You have a crypto expert on to recommend which cryptos might be appropriate for given their investment objectives. But you’re just going to use crypto to further advance, protecting and growing people’s wealth. Jim, I want to ask you real quick. The one crypto that comes up in conversation more than any is xrp. Why is XRP such an important crypto in the scheme of the tokenomics? Well, because it’s the stablecoin that is the main transaction processor within the new system coming up mainly in the United States.

So it’s, it’s value set is a little bit more than, than what the typical cryptocurrency that we understand in the marketplace today because it has to have asset value behind it. They have to be, they have to be collateralized with gold in treasury bonds and so forth. So it’s, it’s a little different than just the typical cryptocurrency, but it’s going to be the main transaction backbone of the, of the new system. So it’s more the cryptocurrency. It’s a actual utility then. Yes, got it. So, Joe, you are interesting in that you don’t require clients to come to you as millionaires.

That’s not a prerequisite to work with Ironhawk Financial. So somebody who wants to jump into crypto and protect their wealth that they’ve worked hard for and find strategies to grow it. Tell us how Ironhawk works with your clients to, to bring in new customers. And again, you’re deploying the tools of the uber wealthy and the financial elite. But you don’t have to be uber wealthy to work with Joe Lombardi. Tell us how that works. Yeah, it’s, it’s, you know, we, we have a process set up where clients can come in. You know, we don’t cherry pick.

We’re not one of those, we only work with people with $20 million. You know, I came from the gutter, I came from the ghetto. I grew up in an attic with no running water. You know, I used a bucket as a bathroom. So I know who I am, I know who I was. And just because I have a bunch of zeros and I bank account doesn’t make me better than anybody else. When we’re all equal under God and we’re all God’s children. So at the end of the day, I just try and bring value, help people that want the help, that are seeking help.

You know, treat thy fellow American as thy neighbor. Number one principle in the Bible. So I don’t turn people away. You know, can I do a lot more with people that have a lot more resources? Absolutely. Can I really help people that are 20 totally in debt? No. I mean, if I’m just going to tell you to pay off your debt because I can’t get to 29.99% you’re paying a Max or Visa or MasterCard. So you know, when you, when you look at it, everybody needs what Iron Hawk offers in regards to financial planning, tax diversification, legacy planning, long term care planning.

But at the end of the day, you know, a lot of people don’t have the means. And a lot of that, believe it or not, is based on bad habits. As, as Americans, we’re not really the best when it comes to financial, mental, emotional, physical, or spite. A spiritual health. As Americans, that’s all done by design. I believe we’re the most demonic country on Earth. We have a statue of, you know, Lucifer right outside New York City that they call the Statue of Liberty, and they call it the Big Apple, you know, and then Trump’s making the ball room right in between Virginia and Maryland, right in between Virgin Mary.

There’s a lot of symbolism, there’s a lot of different things going on on our planet that is very demonic. So when it comes to money, you know, it’s. To me, it’s. It’s a gift from God. I didn’t have a lot growing up at all. So I enjoy it, I save it, I spoil my family with it, and I utilize it when I. What I believe is property properly, which I believe the average, average American usually, you know, doesn’t, you know, I only spend what I have. I don’t go into debt, I don’t borrow. You know, that’s usury, you know, and then the Bible states that that is not a good thing, and there’s a reason why Israel didn’t have a country for, you know, 2,000 years.

So when, when you look at it, it’s, it’s everything. When you look at everything from a whole and you look at money, you look at crypto, you look at everything that’s going on, the tokenization, the decentralization, the fact that money’s worthless and it’s only worth something because you think it is, there’s a lot of programming. And when you can deprogram yourself and really look at things from, from a critical standpoint, you can see that, you know, crypto is better than a fiat currency. You can see that, you know, there’s going to be ways that you can leverage and lean crypto to enrich yourself and your family.

But you also have to know that it’s very speculative and it’s very volatile, and it’s not for conservative or even moderate investors. Very interesting, Jim. I’m going to give you the last word, but before I do, I got to ask you, Joe brought up the ballroom that Trump’s building. Do you suspect there’s more to the ballroom than just the ballroom? Jim? Yeah, and not. We could have a whole program just on the ballroom. But in essence, what he did was he took out a demonic controlled system that was in the ground where the ballroom is being built.

And he replaced it with a military, three story military operation underneath the ground with a ballroom sitting on top and a helipad basically for drones on the roof in order to, for additional protection for Washington D.C. and the White House. This is a, a significant event that he’s doing because people don’t understand that they were sending signals out via the, you know, various monuments in Washington D.C. controlled by a controlling device underneath the, where the ballroom is actually set. You know, we’ve had this idea and this fits into this topic very well because we’ve had this idea of dark money money coming into the system from drug trafficking, from human trafficking.

And a lot of what Trump has done with the military, working with militaries around the world is destroy that infrastructure, particularly the underground tunnels that allow them to traffic children and traffic drugs and create all this dark money. And it’s going to be a lot harder to bring it into the system. Jim, any final word? No. I know Joe’s got a hard stop. So my only thing is thank you, Joe for being part of this and working with us. I’m educating a lot of folks about what you do and so look forward to making this more of a success, not only for your company, but for those that follow me.

So, Scotty, you can get, get my stuff at God is Government and anywhere you get podcasts. I’m out on over 26 podcast channels right now. So thanks for having me doing a good job with your podcast. Thanks, Jim. And we’ll see you next week. Sure thing. Joe, I know you have have a hard stop and you got to go, but I’m going to, as always, give you the last word. By the way, ladies and gentlemen, go with hawk.com Gowith hawk.com is how you can reach out to Joan, his sister Marianne. This is not a pressure sales organization.

These are people who really care. As Joe has said, he, he comes from nothing and he’s not here to hard sell. Put a close on you. So gowith hawk.com and reach out to Joan, Marianne, Joe. So the future of money and finance with, with cryptos and tokens, it really is. You’re being very pragmatic about it. Really doesn’t mean a lot to how you do your business. Business. I don’t think it will for a lot of people. I, I think, I think people are nervous about change as they should be. It’s scary, but I don’t think going from a fake voodoo currency that is worth nothing, that’s backed by nothing, going to a digital one that, that they’re claiming is going to be backed by something, but I highly doubt it that, you know, it’s going to make a big change in anyone’s life.

We’re basically using crypto now, the credit card companies to transact transactions within seconds. Go with hawk.com. that’s gowithhawk.com. reach out to Joe and Marianne. Joe, we appreciate you an awful lot. I didn’t mean to dump you there. We appreciate you an awful lot and we’ll see you next week. Sounds good, brother. Have a great week, my friend. You too. Thank you. Well, ladies and gentlemen, pardon my fingers doing the walking on my keyboard. I often hit the wrong keys. It goes with the territory, I suppose, of my age. And in any event, we hope you’re enjoying the Future of Money and Finance presented by Ironhawk Financial and featuring financial insights from Joe Lombardi.

On behalf of the Jim Pugh and Rob Cunningham, this concludes part six, the future of Money and Finance cryptocurrency Tokens. And as Mr. Pugh said, no central bank digital currency. For now there will not be CBDCs. And that’s a great note to finish on, Scotty Sachs for the future of money and finance. Over and out. On behalf of Jim Pugh and Rob Cunningham, this concludes part six, the future of Money in finance cryptocurrency Tokens. And as Mr. Pugh said, no central bank digital currency. For now there will not be CBDCs. And that’s a great note to finish on.

Scotty Sachs for the future of money and finance. Over and out.
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