Between the Lies Podcast

Providing Positivity & Balance For An Uncertain World

Housing Crisis Solution or Bait and Switch? Trump's Single-Family Ban | Between The Lies Podcast 021 01/19/2026

Housing Crisis Solution or Bait and Switch? Trump's Single-Family Ban | Between The Lies Podcast 021 Housing prices are too damn high. You can try Mamdani's approach, or you can try Trump's. Time will tell who's right. My guess is neither. Welcome to another episode where Rob Brayton from Perfect Spiral Capital and I try to figure out what unforeseen and cataclysmic effects might come from Trump's latest housing market intervention. This week's headline: banning institutional investors like BlackRock from buying single-family homes. Sounds great on the surface, right? Get the big bad corporations out of residential neighborhoods and maybe regular people can actually afford houses again. Except nothing is ever that simple when you're dealing with decades of monetary manipulation. What We Cover: Trump's proposal to ban institutional investors from single-family home purchases Why easy money and lower interest rates might make housing worse, not better How BlackRock props up home prices by always being willing to pay asking price The 15-minute city agenda and shifting investment from suburbs to urban multifamily dwellings Why homes became wealth storage vehicles instead of just places to live Japanese and South African housing models where homes depreciate like cars The $9.3 trillion increase in money supply since 2016 and what it means for housing How to position yourself to buy when others can't Key Insights: Rob breaks down the core contradiction in Trump's approach. If you ban institutional investors from buying homes while simultaneously pushing for lower interest rates, you might temporarily slow the market. But cheap money historically drives asset prices through the roof. So what happens when everyone suddenly has access to 3% mortgages again? The exact opposite of affordability. Here's something most people don't think about: homes require constant upkeep. They're naturally depreciating assets. The fact that we treat them as appreciating investments should be a massive red flag that money itself is the problem. In Japan, homes depreciate like cars because building is easy and cheap. In South Africa, same thing. They're roofs over your head, not generational wealth vehicles. The money supply expanded by $9.3 trillion since 2016. That's why everything costs so much. Every dollar from 2016 is now worth a fraction of what it was. Housing prices didn't really go up - your dollar just became worthless. The conversation gets interesting when we discuss what this means for investment capital. If BlackRock and other institutional investors can't buy single-family homes, where does that money go? Maybe into urban multifamily developments. Maybe into the 15-minute city build-out that's been planned for years. The Bigger Picture: Rob nailed it when he pointed out that homes were never intended to be stores of value. Strip out inflation and the actual increase in home value since 1912 was about 1%. It's the currency debasement that creates the illusion of appreciation. But here's the positive angle: if institutional investors actually do get shut out of residential markets, that creates opportunity for individuals and small landlords. The question is whether you're positioned to take advantage when prices correct. Ready to build capital that's available when opportunities appear? Visit for the free toolkit on controlling your financial future. Websites Referenced: /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/39778750

Infinite Banking in Practice: Perfect Spiral Capital's 2026 Policy Loan Plans | Between The Lies 020 01/09/2026

Infinite Banking in Practice: Perfect Spiral Capital's 2026 Policy Loan Plans | Between The Lies 020 We barely contained ourselves last episode talking policy loans, so naturally we're back at it this week. Welcome to another episode where Luke Tatum, Rob Brayton from Perfect Spiral Capital, and I dive into exactly how we're putting infinite banking to work in 2025. Not theory. Not sales pitches. Just real examples of what we're actually doing with our policies this year. What We Cover: Luke's plan: Managing uneven income taxes, floating business expansion costs, and financing his nephew's first car Rob's vision: Launching his own podcast, exploring passive income opportunities, and potentially replacing the family van Nicky P's reality: Pulling a policy loan for a car down payment instead of begging some bank for approval The three-generation wealth curse and why proper structure prevents it Seven-generation thinking versus the instant gratification mindset destroying families Estate planning nightmares and why most inheritance situations become multi-year legal battles How to make generational wealth transfer appealing instead of a burden Key Insights: Luke breaks down something most people miss about policy loans - knowing your cost of capital upfront changes everything about budgeting. When you finance a car through a dealership, they sell you on "make extra payments to reduce interest." With a policy loan, you proactively decide your payment schedule, and if an emergency hits, you can skip payments without consequences. Your policy, your rules. Rob shares the statistic that haunts every wealthy family: by the third generation, wealth is completely gone if you didn't structure it properly. That's what Nelson Nash's "think long range" rule is all about. Jack Spirko talks about seven generations out. That takes a completely different level of thinking. The conversation gets real when we talk about estate planning. Most people who've dealt with it know it's a nightmare - disputes between siblings, outdated trusts, homes that can't get divided, lawyers who screw up wills. One of my bandmates is still dealing with his mom's estate because the lawyer created problems that should've been easily handled. He'd rather wash his hands of the whole thing because it's such a pain. The Bigger Picture: We end up discussing wealth taxes and unrealized capital gains taxes. The people pushing these policies don't understand (or don't care) how intertwined everything is. You can't extract wealth from the system without collapsing the entire structure. Everyone's 401ks are invested in the same system. Here's the silver lining: We're not in those traditional systems. While politicians manipulate markets and buy votes with your own money, we're building sovereign wealth using 200-year-old financial instruments with contractual guarantees. Perfect Spiral Capital Insight: Whether you're starting with $50/month or managing multi-policy systems doing six-figure cashflow, infinite banking lets you finance your life without asking permission from institutions that charge you for the privilege of using your own money. Ready to understand how to actually use policy loans in your life? Visit for the free toolkit. Websites Referenced: /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/39669880

IBC Year-End Review: How Policy Loans Beat Bank Financing in 2025: Between The Lies 019 12/30/2025

IBC Year-End Review: How Policy Loans Beat Bank Financing in 2025: Between The Lies 019 As we close out 2025, Luke, Rob, and I wanted to do something different. Instead of talking theory, we're sharing exactly what we actually used our policy loans for this year. Welcome to the Christmas edition of Between The Lies, where we get real about infinite banking in practice. Not the sales pitch version - the actual day-to-day mechanics of how this works when you're running your life and business. I'll be honest - my policy is tiny. About $50 a month. That's it. But you know what? Once a year, without fail, my car needs something I don't have cash for. And every single time, instead of begging some bank for a personal loan at whatever ridiculous rate they'd charge, I just access my own money. No approval process. No questions asked. Just my capital, available when I need it. Luke's story is even better. He uses his policy primarily for income taxes - both federal and state. Think about that for a second. Instead of giving the IRS an interest-free loan through withholding all year, he keeps that money in his policy where it's earning dividends and growing cash value. Then when quarterly taxes are due, he takes a policy loan, pays the government, and spends the next three months repaying himself while his policy keeps growing. The government charges you interest if you underpay. But when they hold your money all year? Crickets. Rules for thee, but not for me. Rob gets into some advanced stuff - financing his family's annual beef purchase through his policy, taking loans for property taxes, even picking up Bitcoin when it dropped. Every time money flows out to pay for something, he's capturing that transaction within his own system instead of letting it vanish into someone else's pocket forever. Here's the mindset shift that changes everything: You are financing things whether you realize it or not. Every dollar you spend is a dollar that's not earning money for you somewhere else. That's an interest cost even if you're paying cash. Luke mentioned something during our morning meeting that perfectly captures how they train us to accept poverty: bank savings accounts pay 0.5% interest. You're trained to think keeping money is wasting it because it's "not earning anything." So you're incentivized to spend or invest in things you don't control. Meanwhile, properly structured whole life policies are growing every single day while also giving you access to that capital. The difference between regular people and wealthy people like Elon Musk isn't that rich people have more money sitting in bank accounts. It's that they have assets. Musk has billions in company equity. When he needs cash, he takes loans against those assets. Banks love it because they know he's good for it. You can do the same thing at your scale. Instead of the bank, it's the insurance company. Instead of stocks, it's cash value in a mutual whole life policy where you're actually a partial owner of the company paying you dividends. We're not talking about millions here. Rob mentioned clients saving $61,000 on vehicle financing alone. That's real money that could have gone to building generational wealth instead of bank profits. This isn't get-rich-quick. It's capture-what's-already-yours and make it work for you instead of someone else. Ready to understand how private banking actually works? Check out for the free toolkit. Websites Referenced: /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/39563025

One Big Beautiful Bill Act Exposed: Tax Cuts Without Spending Cuts = Theft: Between The Lies 018 12/22/2025

One Big Beautiful Bill Act Exposed: Tax Cuts Without Spending Cuts = Theft: Between The Lies 018 Here we go again. Big tax refunds are on the way, I'm told. Sounds like the money printer is revving up again. Welcome to another episode where Luke Tatum, Rob Brayton from Perfect Spiral Capital, and I try to make sense of political bribery disguised as tax policy. This week we're tackling Trump's "One Big Beautiful Bill Act" and why your bigger refund check is actually just theft with extra steps. The pitch sounds great on the surface: expanded standard deductions, no tax on tips or overtime, boosted child tax credits tied to inflation. Everyone gets more money back! Don't you feel great? Except we're adding hundreds of billions to the deficit every month while pretending this is sustainable economics. It's the political equivalent of maxing out your credit cards to celebrate getting a bonus at work. Luke breaks down something that clients at Perfect Spiral Capital hear regularly: why give the IRS an interest-free loan through withholding? If you don't pay exactly the right amount quarterly, they charge you interest. But when they hold your money all year? Crickets. Rules for thee, but not for me. The frustrating part is how blatant the manipulation has become. Politicians discovered they can promise anything they want and buy votes with our own money. We millennials are watching housing prices require literal fortunes because they've been printing money for decades. That's not market forces - that's monetary debasement wearing a "prosperity" mask. Rob nails it when he points out that anything "free" you're paying for - your dollar just buys less. You might not feel it today, but fast forward 20 years when everything costs double or triple what it does now. You paid for it. Through inflation. The bigger issue is cultural. We've lost seventh-generation thinking entirely. Most of what millennials deal with today is the product of boomers looking out for themselves. Housing as an investment vehicle? That should be a red flag that money is being looked at backwards. Your house deteriorates every year - why is it supposed to be worth more? Luke brings up a critical perspective shift from Austrian economics: talk about value in terms of real assets like gold or Bitcoin, not dollars. What's this worth in hours of your labor? How much of your life do you have to give up to maintain it? When someone steals your car, they're not just taking property - they're stealing years of your life you spent acquiring that vehicle. But people don't see it that way because the system trains them not to think about it. The broken window fallacy applies here too. Politicians justify destruction by claiming it stimulates the economy. Rebuild houses, buy new furniture - think of the jobs! But priceless memories, antiques, entire livelihoods are gone. War destroys things and humans. It is not good for the economy. So what do you do when politicians want to steal your money, change the rules, and buy your votes? You position your bigger refund check into some kind of long-term, sovereign, controlled-by-you asset. Because the government is not looking out for you. A system is what it does, not what it's supposed to do. If the point of our monetary system is to make money worth less, you need to build outside it entirely. Websites Referenced: /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/39491920

Are Life Insurance Companies Safe? Mutual vs Stock Companies & PE Firm Truth: Between The Lies Episode 017 12/16/2025

Are Life Insurance Companies Safe? Mutual vs Stock Companies & PE Firm Truth: Between The Lies Episode 017 We keep getting asked in the YouTube comments: How are you any type of alternative when life insurance companies still make money off investments? This week's Between The Lies tackles that question head-on with some uncomfortable truths Bloomberg doesn't want you to understand. Luke and Rob break down a recent Bloomberg article warning about private equity firms creating "credit hazards" in retirement funds. The article highlights companies like Apollo Group and Athene taking risky leveraged positions with your money. But here's what Bloomberg conveniently omits: They're talking about stock-owned insurance companies playing PE games, not the mutually-owned companies we actually work with. Rob explains the fundamental difference most people miss: Mutual life insurance companies are owned by policyholders, not stockholders chasing quarterly profits. These companies survived the Great Depression with only 5% failure rates while 16% of banks collapsed. During 2008's financial crisis, even AIG's life insurance subsidiaries required zero bailout money - completely solvent while their mortgage-backed securities division imploded. Luke tackles the private equity angle directly. Yes, PE firms use 80% leveraged deals to extract value and leave companies holding the debt. But that happens with stock companies optimized for shareholder returns, not mutually-owned insurers where policyholders vote on major decisions. There's a massive difference between Apollo Group manipulating Athene's portfolio and Northwestern Mutual's 130+ year track record of contractual profitability. The real story Bloomberg won't tell: Life insurance companies are the single largest store of genuine wealth in America. They're required by all 50 states to maintain massive reserves, undergo annual stress testing, and prove liquidity to pay claims. While 65-75% of their portfolios sit in investment-grade AAA corporate bonds, Bloomberg focuses on the 0.25% in higher-risk investments and screams about systemic failure. This is classic fear-mongering designed to keep you dependent on Wall Street's 401k casino while ignoring the only financial institution that's actually required to be solvent. When you control your own capital through properly structured mutual life insurance, you don't need to worry about whether private equity firms are playing games - because those aren't the companies you're working with. Rob's bottom line: When you're informed about how these companies are actually structured, you know what to do. Vet who you work with. Understand what products actually do. Build wealth through systems designed for long-term policy owner benefit, not quarterly shareholder profits. Websites Referenced: (Free Toolkit) /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/39421795

Markets Without Memory: Investing When Big Tech Has No Track Record | Between The Lies 016 11/22/2025

Markets Without Memory: Investing When Big Tech Has No Track Record | Between The Lies 016 Welcome back to Between The Lies, where we navigate economic uncertainty with Austrian economics and practical wealth strategies. I'm Nicky P, joined by Luke Tatum and Rob Brayton from Perfect Spiral Capital. This week we tackle something that should terrify every investor: what happens when the people you trust to predict market behavior can only shrug? Nvidia and Alphabet together make up 13% of the S&P 500. Bitcoin ranks third in global market cap. These aren't century-old companies with predictable patterns. We're literally older than significant portions of the market we're trying to analyze. What We Cover: Why 13% of the S&P 500 has zero meaningful track record How market sentiment drives valuations without underlying fundamentals Bitcoin's 15% correction and what institutional money movements reveal The shift from volatile tech assets to stable hard assets Why insurance companies have 200 years of data while tech has 20 Network access requirements for Bitcoin during grid-down scenarios How digital wealth compares to physical assets in crisis Key Takeaways: Rob explains why even smart money is struggling to predict outcomes when massive market segments have no historical precedent. Luke breaks down how emotion drives markets and why companies are essentially propping each other up with billion-dollar deals. We examine why the early 1900s market boom at least had tangible assets backing valuations, while today's tech sector operates on speculation and hype. The Bitcoin question becomes critical here. Yes, it functions as designed. Yes, the network could theoretically run on ham radios. But if we're in a situation requiring ham radio Bitcoin networks, we have way bigger problems than cryptocurrency. The same skepticism applies to any digital wealth when infrastructure fails. The Reality Check: When institutional money starts fleeing Bitcoin and volatile tech for stable assets and gold, that tells you something. Smart money sees something coming that retail investors don't. Gold maintains purchasing power across centuries. Insurance companies weathered 2008 while everyone else panicked. Bitcoin might be the future, but it needs dollars today. Perfect Spiral Capital Insight: Luke and Rob operate in 200-year-old financial instruments with contractual guarantees and full reserve requirements. No speculation. No hoping the next quarterly earnings beat estimates. Just mathematical certainty compounding automatically regardless of whether Nvidia tanks or Bitcoin crashes. When markets lack historical reference points, you need foundations that don't require crystal balls. Ready to build wealth that doesn't depend on predicting the unpredictable? Visit for the free toolkit. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/39132390

Trump's 50-Year vs FDR's 30-Year Mortgage: Why Bigger Isn't Better | Between The Lies 015 11/14/2025

Trump's 50-Year vs FDR's 30-Year Mortgage: Why Bigger Isn't Better | Between The Lies 015 Trump just announced 50-year mortgages to "fix" the housing crisis. His logic? If FDR's 30-year mortgages were good, then 50-year mortgages must be better. Bigger number equals better, right? Wrong. In this episode, Luke Tatum and Rob Brayton from Perfect Spiral Capital break down the mathematical reality behind Trump's latest intervention. The numbers are brutal: After 10 years of payments on a 50-year mortgage, 93% of your money goes to interest. You'd have just 7% equity in your home. You don't hit the 50/50 point—where your payment is equally split between principal and interest—until year 39. Most Americans move every 7-8 years. They'd build essentially zero equity. But the real issue isn't just the mortgage product itself. It's why we need it in the first place. Rob explains how decades of monetary policy, deficit spending, and inflation have driven asset prices through the roof. Houses aren't just expensive because of supply and demand—they're expensive because of deliberate government intervention at every level. From minimum square footage requirements that prevent affordable starter homes to BlackRock using cheap government money to buy up real estate while families get priced out, the system is rigged from multiple angles. This isn't capitalism—it's crony capitalism on steroids. Luke reminds us that when he was born, mortgage rates were 8.5% but people could afford houses. Today rates are lower, but homes are unaffordable. That tells you everything about who benefits from "easy money." As Rob points out, 50-year mortgages are just another intervention following previous interventions. When you prop up one part of the economy, it distorts economic signals and creates new problems. Then you need another intervention to fix those problems. It's economic flex tape slapped on a rotten subfloor. The comparison to 2008 is unavoidable. Fannie Mae just eliminated its 620 FICO score minimum to guarantee riskier mortgages. Combine that with 50-year terms and easier lending standards, and you've got all the ingredients for another housing bubble disaster. But here's the positive takeaway: Economic downturns create massive opportunities for people with capital ready to deploy. Luke shares how he and his wife made a pact after 2008 to never get caught flatfooted again. How many millionaires were made during the recovery? A whole hell of a lot—because they had liquidity when assets were on sale. That's what Perfect Spiral Capital does. They help individuals and business owners get properly capitalized so when opportunities appear, you can act on them. While others panic about government policy, you'll have dry powder ready to deploy. Capital attracts opportunities. The question is: Will you be ready when they arrive? Ready to make sure you're never caught flatfooted by economic chaos? Visit PerfectSpiralCapital.com/podcast for their free toolkit on building wealth that survives government incompetence. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/39032410

Washington's SNAP Shackles: When Foreign Aid Trumps Your Groceries | Between The Lies 014 11/07/2025

Washington's SNAP Shackles: When Foreign Aid Trumps Your Groceries | Between The Lies 014 Welcome to day 36 of the "apocalypse" - also known as the longest government shutdown in US history. Except nothing actually collapsed. Parks closed while we sent billions overseas. SNAP benefits are being held hostage while Congress gets paid. It's almost like they're using your groceries as a political weapon. Luke Tatum & Rob Brayton from Perfect Spiral Capital, and myself break down the strangest hostage crisis in American history - where 42 million people (34% of which are children) get caught in the crossfire between politicians arguing about which subsidies matter more. Healthcare subsidies versus food subsidies. Or more accurately the warfare state versus the domestic population? As if we couldn't just let people keep their own money in the first place.? The SNAP Reality Check: The average family receiving benefits receives $350/month. This makes up to 1.8% of total federal spending. We're running half a trillion dollar monthly deficits but somehow feeding people is what gets dropped? Rob points out the absurdity - we've got enough waste in the other $6+ trillion to cover this without blinking. The Real Problem: It's not about whether people should or shouldn't receive benefits. It's about sociopaths using food access as their political cudgel. That's terrorism by definition - leveraging human suffering for political means. Luke shares the deeper issue: the benefit cliff. Make any money, lose everything. It's not about helping people thrive - it's about control. When government controls whether you eat, they control what you do. The MMT Con: Modern Monetary Theory says you can print infinite money as long as you pay it back during good times. Except we never get to those "good times" where paying back happens. Just endless pulling on the credit card while pretending math doesn't exist. Austrian Reality: Rob and Luke bring the Austrian economics perspective - value needs to come from somewhere. You can't just print prosperity. But somehow during shutdowns, billions still flow overseas while Americans worry about groceries. The Positive Spin: Instead of depending on systems designed to keep you dependent, build your own foundation. Rob shares the mindset shift: take $100, turn it into $200 in 30 days. Buy a dresser, refinish it, sell it for profit. This abundance thinking beats trading time for money. Check out Perfect Spiral Capital's Eight Forms of Capital article to understand how to leverage different types of assets into actual wealth. When you control your own capital through properly structured systems, you don't need politicians deciding whether you eat. The government breaks your legs then hands you crutches. Maybe it's time to stop saying thanks. Ready to build wealth systems that don't require government permission? Visit for the free toolkit on taking control of your money. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38953240

Altman's Folly: Circular AI Financing Exposed: OpenAI Burns Billions While Fears Of A Bubble Grow | Between The Lies 013 10/31/2025

Altman's Folly: Circular AI Financing Exposed: OpenAI Burns Billions While Fears Of A Bubble Grow | Between The Lies 013 Everywhere you look today, AI is on everyone's tongue. Nowhere more than Wall Street. But is this the beginning of a new economy or just the next bubble ready to burst? Welcome to Between The Lies, where we cut through the hype to give you the real story on what's happening with your money. I'm Nicky P, joined by the money truth-tellers at Perfect Spiral Capital - Luke Tatum and Rob Brayton. This week we're tackling something inspired by Patrick Boyle's compelling analysis: AI's circular financing scheme that's inflating a bubble nobody wants to acknowledge. OpenAI alone has a $7.8 billion operating loss for the first half of 2025, yet we keep propping up valuations on "trust me bro" economics. What We Cover: OpenAI's staggering losses and why only 5% of ChatGPT users actually pay The circular financing loop between AI tech suppliers, infrastructure companies, and investors How 20-50% of the S&P 500 has meaningful exposure to potentially failing AI companies Why DeepSeek's cheaper alternative caused market panic The energy crisis: AI data centers burning through power faster than infrastructure can support Historical parallels to the dot-com bubble and government-subsidized railroad expansion Nuclear power as the only real solution (and why we're 5-7 years away minimum) Key Takeaways: Luke breaks down the "trust me bro" model where companies like OpenAI run $4 billion credit lines at 6% while burning GPUs that depreciate in five years. Rob explains why this feels exactly like the dot-com era - huge valuations, no revenue streams, everyone scrambling to not miss the party like they did with Bitcoin. I call out the mal-investment and government manipulation that's propping up companies that should have already folded. When the White House starts buying stakes in AI companies, you know this is at least partially artificial. The Reality Check: Before 1971's gold standard abandonment, we had zero government shutdowns. Coincidence? Rob draws parallels to how many car companies existed when automobiles first emerged versus how many survived. This shake-out is coming. The silver lining? If you understand fundamentals and avoid speculation, you won't get caught holding the bag. Focus on what you can control - your banking function, capital deployment, and assets that aren't exposed to circular AI financing schemes. Perfect Spiral Capital Insight: Luke and Rob emphasize investing only in what you know and understand. When everyone's blindly throwing money at AI hoping to catch the next wave, smart money focuses on fundamentals. Insurance companies don't buy AI speculation - they build wealth through proven systems. Ready to build wealth outside speculative bubbles? Visit for the free toolkit. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38857490

Non-Depository Financial Institutions Exposed: Are NDFIs the Next 2008 Crisis? | Between The Lies 012 10/27/2025

Non-Depository Financial Institutions Exposed: Are NDFIs the Next 2008 Crisis? | Between The Lies 012 Welcome back to Between The Lies, where we drag financial crises out of the shadows before they destroy your wealth. I'm Nicky P, and I'm joined by the money truth-tellers at Perfect Spiral Capital - Luke Tatum and Rob Brayton. This week we're getting way outside my depth, but what I keep hearing in all this noise is we are right at the precipice of another huge financial crisis. The question isn't if - it's when, and are you ready? What We Cover: What NDFIs actually are (and why they're not automatically evil) How Chase Bank just wrote off $150 billion in bad NDFI loans Why this feels like 2008's subprime crisis all over again The Dodd-Frank bail-in rules that let banks take YOUR deposits Why FDIC insurance won't save you this time How decades of low interest rates created this mess Key Takeaways: Rob breaks down non-depository financial institutions - companies like Visa and PayPal, but also the risky subset doing subprime mortgages and sketchy car loans. Luke exposes the bail-in reality: when the next crisis hits, banks won't use taxpayer money. They'll use YOUR deposits to recapitalize themselves. That's the actual law now. We also tackle the uncomfortable math: If Chase is writing off $150 billion, what's happening at smaller institutions? Where there's smoke, there's fire, and these odd ripples in the NDFI space should have everyone paying attention. The Reality Check: Corporate greed isn't the problem - it's a feature of the system. You have a legal obligation to maximize shareholder returns. Banks have to chase higher yields when rates are artificially low. And when it all comes crashing down? Government bails out Wall Street, not Main Street. We saw this movie in 2008. But here's the empowering part: You're the only person who's going to look out for you. The buck stops with you. Big daddy government isn't coming to save you - they're going to bail out their friends while you lose everything. Perfect Spiral Capital Insight: Rob emphasizes why he does what he does - to help people build insulation from these crises. Luke reveals the opportunity: a lot of millionaires were made in 2008 by people with dry powder ready to deploy. If you have capital in a safe place (and I'm not talking about a bank), you can capitalize on crisis while others panic. The silver lining? If you know this is coming, you can position yourself now. Get your money out of banks beyond what you need for daily operations. Build capital reserves in insurance companies that profited during 2008. Be ready to buy when others are selling. Ready to stop being a victim of the next financial crisis? Visit for their free toolkit on protecting and growing your wealth regardless of what Wall Street does. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38789030

A True History Of Washington's Stakes & Funding Your Pelosi Autopilot Account | Between The Lies 011 10/17/2025

A True History Of Washington's Stakes & Funding Your Pelosi Autopilot Account | Between The Lies 011 Is Government Ownership Really New or Just Business As Usual? This week on Between The Lies, we're diving into something that looks new but smells awfully familiar. Trump's administration just took stakes in a number of companies including, Intel , MP Materials, Lithium Americas, Trilogy Metals, and US Steel. The media's calling it unprecedented. We're calling it 2008 with better marketing. The TARP Playbook Returns Rob walks us through the 2008 bailouts when the government took massive ownership stakes in banks, auto companies, and AIG to "save Main Street by saving Wall Street." Spoiler alert: Wall Street got saved. Main Street got the bill. The Economic Stabilization Act threw $700 billion at companies that were failing because of their own decisions, purchased their stock with money created out of thin air, and pretended it was capitalism at its finest. But This Time It's Different (Maybe) What makes Trump's approach unique is he's calling it a "sovereign wealth fund" instead of a bailout. The government isn't rescuing these companies - it's buying in to profit from them long-term. Luke connects the dots between semiconductor manufacturing, rare earth minerals, and AI development. When you control the mining of materials, the production of chips, and have stakes in the companies building AI infrastructure, you're not just playing the game. You're rigging it. The Real Endgame: AI Governance Here's where it gets dystopian. AI requires massive computing power, which requires advanced semiconductors, which require rare earth minerals. Trump's administration is positioning itself to control that entire supply chain. Luke argues this isn't conspiracy theory - it's strategic positioning for AI governance, social credit systems, and unprecedented surveillance capability. Why This Matters to You Government choosing winners and losers through ownership stakes isn't new. What's new is the scale and the industry focus. When the government owns pieces of the companies developing AI while simultaneously relaxing AI governance rules, you're looking at a future where Big Brother has better tools than ever before. Rob reminds us that DARPA has been working on AI with companies like Google for years. This isn't the beginning - it's just coming out of the shadows. The question isn't whether this technology gets developed. It's who controls it when it does. The Positive Spin Nick refuses to let us wallow in doom. His takeaway? Nothing much changes. Governments keep making the same mistakes because they're incentivized to make them. But knowing they're going to make those mistakes gives you the roadmap to navigate around them. Learn from history, position yourself accordingly, and remember that the well-capitalized always profit - regardless of what nonsense DC is up to. Ready to understand how to position yourself for government incompetence? Visit for Luke and Rob's free toolkit on the future of your money. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38617495

Trump's Permanent Shutdown: Is Your Inner Ron Swanson Celebrating? | Between The Lies 010 10/10/2025

Trump's Permanent Shutdown: Is Your Inner Ron Swanson Celebrating? | Between The Lies 010 Welcome back to Between The Lies, where we celebrate the rare moments when government actually stops doing things to us. I'm Nicky P, and I'm joined by the truth-tellers at Perfect Spiral Capital - Luke Tatum and Rob Brayton. This week's headline confusion: Government shutdown is looming, and apparently Republicans and Democrats can't get their business together. But here's what nobody's asking - why is anyone upset when the government stops spending our money? What We Cover: • Why Luke literally bakes government shutdown cakes to celebrate • The shocking truth: government controls 23% of GDP but shutdowns only cost 0.4% • How the S&P 500 actually rises 4.4% on average during shutdowns • Why there were zero shutdowns before 1971 (hint: gold standard) • Trump's threat to make cuts permanent and why that terrifies the right people • The difference between "essential" and "non-essential" government workers • How 35 days of shutdown barely dented the economy Key Takeaways: Luke reveals his annual tradition of celebrating shutdowns while explaining why federal jobs come with known risks. Rob breaks down how shrinking government actually benefits everyone long-term, even if it doesn't feel like it immediately. And I expose the hypocrisy of politicians running victory laps on job numbers after forcing businesses closed. We also tackle the uncomfortable truth: The government employs 2-3% of Americans directly, but when you add contractors, that number explodes. Meanwhile, shutdowns historically show us how little we actually need them running. The Reality Check: Since 1977, we've had 20 funding deadline failures averaging 8 days each. Before 1977? Zero shutdowns. What changed? We abandoned sound money in 1971. See the connection? Perfect Spiral Capital Insight: Rob and Luke emphasize building financial systems that work whether government is open or closed. When you control your own capital through properly structured policies, DC dysfunction becomes irrelevant to your daily life. Ready to build wealth that doesn't depend on government competence? Visit for their free toolkit on the future of your money. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38546485

Americans Swimming in Debt: Why Americans Can't Stop Spending Despite Inflation | Between The Lies 009 10/03/2025

Americans Swimming in Debt: Why Americans Can't Stop Spending Despite Inflation | Between The Lies 009 Welcome back to Between The Lies, where we expose the financial reality hidden behind government statistics. I'm Nicky P, and I'm joined by the money truth-tellers at Perfect Spiral Capital - Luke Tatum and Rob Brayton. This week's headline is almost comical: According to the Fed, Americans are apparently on holiday out to the beach and just swimming in debt. $1.2 trillion in credit card debt. $439 billion added in just one quarter. For reference, that's half of what all credit card debt was in 2008 - and we all remember how that ended. What We Cover: How $439 billion in quarterly credit card increases compares to 2008 levels Why we haven't overcome Parkinson's Law (expenses rise to meet income) The housing cost squeeze that makes austerity nearly impossible How boomers are headed toward a cliff nobody wants to talk about Why the system is designed to keep the little guy losing Credit scores as bank profit indicators, not consumer health metrics The 1913 Jekyll Island meeting that changed everything Why even "cash flow" gurus still trap you in debt-based systems Key Takeaways: Rob breaks down how $439 billion in quarterly credit card debt is literally half of what existed during the entire 2008 crisis. Luke explains why people can't just "spend less" when housing costs eat a fortune and wages stay flat. And I bring up the expected boomer housing cliff - properties worth a fortune with no millennials able to buy them. We also tackle the uncomfortable truth: Your credit score isn't measuring your financial health. It's measuring how profitable you are to banks. Pay everything off? Your score drops because you're not making them money. The Reality Check: This is a game rigged against regular people. Banks won the battle for economic control in 1913, and we're living in that reality. But understanding the game means you can play by different rules. Perfect Spiral Capital Insight: Luke and Rob reveal why infinite banking exists - to let you play the same game the banks play, but for yourself. When others are drowning in credit card debt, their clients are accumulating capital that compounds automatically while remaining completely liquid for opportunities. Ready to stop playing by banking rules that keep you broke? Visit PerfectSpiralCapital.com/podcast for their free toolkit on building real wealth outside the debt trap. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38387745

Interest Rate Reality Check: The Hidden Agenda Behind Easy Money | Between The Lies 008 09/26/2025

Interest Rate Reality Check: The Hidden Agenda Behind Easy Money | Between The Lies 008 Welcome back to Between The Lies, where we cut through the political spin to give you the real story behind monetary manipulation. I'm Nicky P, and I'm joined by the money truth-tellers at Perfect Spiral Capital - Luke Tatum and Rob Brayton. This week's headline perfectly captures our clown world economics: Despite Trump urging us to "take advantage of unprecedented prosperity," Fed Chairman Jerome Powell announced a quarter-point rate cut. So which is it? Are we prosperous or do we need emergency stimulus? What We Cover: • What the federal funds rate actually means for your daily life • Why Trump wanted bigger cuts (spoiler: midterms and tariff cover-ups) • How decades of near-zero rates created artificial market distortions • Why higher rates would actually help average Americans long-term • The Cantillon effect: how politically connected insiders always win first • How BlackRock benefits from cheap money while you get priced out Key Takeaways: Rob breaks down how the federal funds rate works and why higher rates historically meant lower prices for consumers. Luke exposes the insider trading that's perfectly legal when the Fed does it - imagine if you made financial decisions based on information nobody else had. And I call out the malformation that decades of easy money have created in our economy. We also tackle the uncomfortable truth: When rates were 8.5% in the late 80s, people could actually afford houses. Now at 3.5%, everything costs more than ever. That's not coincidence - that's monetary manipulation creating the exact opposite of what they claim. The Reality Check: Rate cuts aren't stimulus for regular people - they're subsidies for the politically connected. While BlackRock gets cheap money to buy up real estate, you get higher prices and less purchasing power. But there's a better way. Perfect Spiral Capital Insight: Luke and Rob reveal why they actually wanted rates to stay higher. When you operate in the private banking space through properly structured life insurance, higher rates mean better returns and more stability. While others depend on government manipulation, they've built systems that benefit from sound money principles. Ready to stop being a victim of Fed policy and build wealth that works regardless of rate manipulation? Visit for their free toolkit on the future of your money. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38369125

Market Manipulation Exposed: Why Record Highs Don't Mean Economic Health | Between The Lies 007 09/19/2025

Market Manipulation Exposed: Why Record Highs Don't Mean Economic Health | Between The Lies 007 Welcome back to Between The Lies, where we expose the financial propaganda and give you the real story behind market manipulation. I'm Nicky P, and I'm joined by the money truth-teller at Perfect Spiral Capital - Rob Brayton. This week's headline contradiction: S&P 500 and Nasdaq hit all-time highs while every real economic indicator screams recession. Oracle surges, PPI inflation data fuels Fed rate cut hopes, and somehow we're supposed to celebrate that everything costs more than it's ever cost before. What We Cover: • Why stock market highs just mean everything is more expensive than ever • How government market manipulation creates fake prosperity signals • The pressure campaign from the executive office to force Fed rate cuts • Why gold's continued rise exposes dollar debasement in real time • How they force you into playing a rigged stock market game through 401ks • The difference between price going up and actual economic strength • Why easy money policies hurt regular people while enriching insiders Key Takeaways: Rob breaks down why "up" doesn't necessarily mean "good" when it comes to markets - higher prices just mean things cost more for regular people. He exposes how government intervention in private companies (like the Intel takeover we covered) creates artificial market distortions that benefit cronies while hurting the economy. We also tackle the uncomfortable truth: When you're forced to play in markets you don't understand, through 401ks and money managers, you're basically gambling with your future while people with inside information profit from your ignorance. The Reality Check: Record highs during a recession aren't prosperity - they're manipulation. When gold keeps rising alongside stocks, that's not diversification working, that's your currency dying in real time. But here's the thing - once you see the game, you can stop playing by their rules. Perfect Spiral Capital Insight: Rob emphasizes building foundations that aren't subject to market manipulation or government intervention. While others celebrate temporary gains in rigged markets, smart money builds wealth through systems that compound automatically without depending on Fed policy or earnings reports. Ready to build real wealth instead of gambling in manipulated markets? Visit for their free toolkit on taking control of your financial future. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38276345

Trump's Tariffs Ruled Illegal: The Truth About Who Really Pays in Trade Wars | Between The Lies 006 09/12/2025

Trump's Tariffs Ruled Illegal: The Truth About Who Really Pays in Trade Wars | Between The Lies 006 Welcome back to Between The Lies, where we cut through government propaganda to give you the real story on policies that affect your wallet. I'm Nicky P, and I'm joined by the money truth-tellers at Perfect Spiral Capital - Luke Tatum and Rob Brayton. This week's bombshell: A US court just ruled most of Trump's tariffs illegal. But here's what nobody's talking about - these "negotiation tools" have been nothing but hidden taxes on American consumers from day one. What We Cover: • How Trump's tariffs were set to affect 69% of US goods imports (now down to 16%) • The $8 trillion tariff revenue claim that defies basic math • Why tariffs are just another tax that consumers always end up paying • How the government's spending addiction makes tariff revenue meaningless • The real scope of federal deficit spending: $1 trillion in just two months • Why "negotiation strategy" rhetoric doesn't change who writes the check Key Takeaways: Luke breaks down how $33 billion in monthly tariff revenue sounds impressive until you realize the government burns through that in 2-3 days. Rob explains why we have a spending problem, not a revenue problem - cutting government by half would solve more than any tariff scheme. And I call out the hypocrisy of calling taxes "negotiation tools" when regular people are the ones paying the price. We also tackle the bigger picture: Trump claims tariffs will replace income taxes, but the math doesn't work. When you're running trillion-dollar deficits every few months, tariff revenue is a drop in an ocean of government waste. The Reality Check: Whether tariffs are legal or illegal, constitutional or unconstitutional, you're still paying them. The court ruling might provide temporary relief, but the underlying problem remains - a government addicted to spending your money in every way possible. Perfect Spiral Capital Insight: As always, Luke and Rob emphasize what you can actually control. You can't set tariff policy, but you can position yourself to benefit from policy chaos. Having liquid capital, real assets, and multiple income streams matters more than whatever Washington decides this week. Ready to build wealth that survives government incompetence? Visit for their free toolkit on taking control of your financial future. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38149365

Trump Takes 10% of Intel: When America Officially Crosses Into Fascism | Between The Lies 005 09/05/2025

Trump Takes 10% of Intel: When America Officially Crosses Into Fascism | Between The Lies 005 Welcome back to Between The Lies, where we call out the lies that both sides tell and give you the real story on America's slide into authoritarianism. I'm Nicky P, and I'm joined by the freedom-loving money brains at Perfect Spiral Capital - Luke Tatum and Corey Sinz. This week's bombshell: Trump just took a 10% stake in Intel on behalf of the United States government. And guess who's cheering from the sidelines? Bernie Sanders. When socialists and supposed capitalists agree on government ownership of private companies, you know we've officially crossed a line. What We Cover: • How Trump's Intel takeover checks every box for fascist government control • Why Bernie Sanders is celebrating state ownership of American business • The dangerous precedent this sets for Lockheed Martin, Raytheon, and other defense contractors • How government stock ownership creates permanent war incentives • Why this isn't actually new - just the latest evolution of picking winners and losers • How the "national security" excuse justifies any government overreach • The moral hazard of privatizing profits while socializing losses Key Takeaways: Luke breaks down how this follows the same pattern we've seen since 2008 - bail out companies, then buy ownership stakes to justify future interventions. Corey explains why Intel themselves said this is bad news, especially for their overseas revenue. And I call out the hypocrisy of claiming this protects taxpayers when we have zero say in how our stolen money gets invested. We also tackle the bigger picture: This isn't about improving American manufacturing or national security. It's about creating a permanent fusion of government and corporate power that would make Mussolini proud. When your government owns stock in weapons manufacturers, guess what happens to peace negotiations? The Reality Check: Other countries are getting rid of their sovereign wealth funds while we're just starting one. Welcome to the party 100 years late, America. But here's the thing - while politicians steal your money to play stock market, you can build real wealth through systems they can't touch. Perfect Spiral Capital Insight: As always, Luke and Corey emphasize the power of infinite banking to shield your wealth from government predation. When you control your own capital through properly structured policies, you don't need politicians managing your investments. You become your own sovereign wealth fund - without the theft. Ready to build real sovereignty that starts at home instead of trusting politicians with your financial future? Visit for their free toolkit on taking control of your money. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38099180

Jerome Powell's Embattled Legacy: Is the Fed's Dual Mandate Failing America | Between The Lies 004 08/29/2025

Jerome Powell's Embattled Legacy: Is the Fed's Dual Mandate Failing America | Between The Lies 004 Welcome back to Between The Lies, where we rip apart the financial fairy tales and give you the real story behind economic manipulation. I'm Nicky P, and I'm joined by the money truth-tellers at Perfect Spiral Capital - Luke Tatum and Rob Brayton. This week, we're diving deep into Jerome Powell's embattled legacy at the Federal Reserve. With Trump breathing down his neck and demanding different numbers, at least they're finally admitting the data means nothing. If you don't like the numbers you get, just find somebody who'll give you the ones you want. What We Cover: The Fed's impossible dual mandate: managing inflation AND unemployment Why 2% inflation is government-sanctioned wealth theft How Powell compares to Paul Volcker's 20% interest rates in the 1980s Trump's pressure campaign and the politics of economic data Why we've had artificially low rates since the 1990s (and what that really costs) The jobs numbers nobody talks about and what they actually mean How tariffs plus income tax creates the worst of both worlds Key Takeaways: Rob breaks down why the Fed's dual mandate is fundamentally flawed - you can't control inflation and unemployment simultaneously without creating perverse incentives. Luke exposes how we went from Volcker's 20% rates to basically free money under Bernanke and Yellen. And I call out the 2% inflation target for what it is: a plan to steal 2% of your wealth every single year. We also tackle the uncomfortable truth about our economy: it looks terrible until you compare it to every other country. We're the kid with a broken arm while everyone else has two broken legs. But that doesn't mean we should accept the jalopy when we know the economy could be a Ferrari. The Silver Lining: Economic downturns create opportunities for people with capital. While others panic about jobs numbers and inflation, smart money positions itself to buy assets on the cheap. The key is having your own "banking system" - capital that's always ready to deploy when opportunities appear. Perfect Spiral Capital Insight: Luke and Rob reveal why higher interest rates have actually been great for them. When you're not dependent on traditional financing, you play by different rules. Life insurance companies had their most profitable years during 2008 while everyone else was panicking. Ready to build your own economic foundation that thrives regardless of Fed policy? Visit for their free toolkit on the future of your money. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/38016100

Inflation Falls Everywhere But America: When Money Becomes Worthless: Between The Lies Podcast Episode 003 08/22/2025

Inflation Falls Everywhere But America: When Money Becomes Worthless: Between The Lies Podcast Episode 003 Welcome back to Between The Lies, where we strip away the financial BS and give you the tools to thrive in an uncertain world. I'm Nicky P, and I'm joined by the complete money brain trust at Perfect Spiral Capital - Luke Tatum, Rob Brayton, and Corey Sinz. This week's headline hit different: inflation is falling globally, but here in America? It just keeps climbing. So when exactly should I expect to hand over a truck full of singles for a roll of toilet paper? What We Cover: Why the IMF's inflation numbers are complete fiction (CPI vs. real inflation explained) How 110 ounces of gold bought the same house in 1913 and today Why China's gold hoarding strategy is beating our money printer approach Harvard's embarrassing Bitcoin flip-flop: from "$0 more likely than $100" to buying at $118k The real difference between saving and investing (spoiler: your 401k isn't investing) Why Bitcoin can't solve your daily spending needs (yet) How infinite banking creates real wealth in an inflating world Key Takeaways: Luke breaks down why inflation and rising prices aren't the same thing - one's about money supply, the other's about effects. Rob explains how the pre-1913 gold standard proves nothing's really changed except our money got worthless. Corey reveals why infinite banking isn't anti-crypto - it's your launching pad for everything else. We also tackle the elephant in the room: Sure, Bitcoin looks great on a chart, but can you pay your Arkansas grocery bill with it? When the real estate opportunity of a lifetime appears, are you calling your 401k company for weeks of paperwork, or writing a check tomorrow? The Reality Check: Other countries are beating inflation by backing their currencies with real assets. Meanwhile, we're printing dollars faster than a teenager with their first credit card. But here's the thing - if you understand how money really works, this creates opportunities. Perfect Spiral Capital Insight: The guys reveal their "dry powder" strategy - how to accumulate capital that's always available for the next big opportunity, whether that's real estate, Bitcoin, or your neighbor's house. It's not about being anti-crypto or anti-anything. It's about having a firm foundation that lets you move fast when others are stuck in bureaucracy. Ready to build real wealth while others argue about digital gold vs. real gold? Visit PerfectSpiralCapital.com/podcast for their free toolkit on the future of your money. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/37898660

Visa, MasterCard, and the Death of Financial Freedom: When Private Companies Decide Your Morality 08/14/2025

Visa, MasterCard, and the Death of Financial Freedom: When Private Companies Decide Your Morality Welcome back to Between The Lies, where we cut through the BS to give you the real story on what's happening in our increasingly controlled world. I'm Nicky P, and I'm joined once again by the money brains at Perfect Spiral Capital - Luke Tatum and Rob Brayton. This week, we're diving into something the mainstream media won't touch: Visa and MasterCard's coordinated attack on particular sects of the gaming industry. While YouTube is buzzing with outrage, traditional financial outlets are mysteriously silent about payment processors deciding what you're allowed to spend your money on. What We Cover: How Visa and MasterCard are forcing Steam and other platforms to remove games The Australian activist group behind the pressure campaign Why this isn't about protecting children - it's about control How the same tactics were used against firearms dealers and content creators The difference between free market choice and corporate censorship Why this proves we need alternatives to traditional banking How gamers are fighting back (and overwhelming customer service lines) Key Takeaways: Luke breaks down how this mirrors previous attacks on firearms commerce and Patreon creators. Rob explains why private morality enforcement through payment systems is fundamentally anti-free market. And I expose the hypocrisy of mainstream media's deafening silence on corporate censorship. We also tackle the bigger picture: Why do private entities have this much control over money in the first place? The answer lies in our broken SWIFT system and the debt-based currency that forced companies like Visa to step in as intermediaries. Now those intermediaries are acting like moral authorities. The Silver Lining: Gamers don't take this stuff lying down. Customer service departments are overwhelmed with complaints, awareness is spreading, and alternative payment methods are gaining traction. Plus, we still have cash, Bitcoin, and other ways to conduct commerce without corporate gatekeepers. Perfect Spiral Capital Insight: As always, Luke and Rob emphasize the importance of financial privacy and alternative systems. When payment processors can dictate morality, it's time to explore private banking solutions that keep transactions between consenting parties. Ready to learn how to protect your financial freedom? Visit PerfectSpiralCapital.com to discover strategies that work regardless of what payment processors decide. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/37840790

Trump's Crypto Regulation Bills: What They Mean for Your Financial Future | Between The Lies Podcast: Episode 001 08/08/2025

Trump's Crypto Regulation Bills: What They Mean for Your Financial Future | Between The Lies Podcast: Episode 001 Welcome to Between The Lies, where we cut through the noise to give you the real story on what's happening in our uncertain world. I'm Nicky P, and today I'm joined by the money brains at Perfect Spiral Capital - Luke Tatum and Rob Brayton. We're diving deep into Trump's latest crypto regulation announcement. According to CNBC, bills that couldn't get traction before suddenly have the votes to move forward. But what does this really mean for you? What We Cover: The three major pieces of crypto legislation moving through Congress Why the GENIUS Act isn't as genius as it sounds How the Clarity Act will impact your tax filings and business operations The anti-CBDC Surveillance State Act and why it matters Whether stable coins are the government's backdoor to prop up the failing dollar Real talk on how this affects your day-to-day life (spoiler: maybe not as much as you think) Key Takeaways: Rob breaks down why he's skeptical of more regulation, especially when the SEC and CFTC have a track record of protecting the very people causing problems. Luke explains how these laws might actually provide some clarity for business owners and taxpayers who've been operating in a gray area. And I share my theory that fines are just the government's way of setting the "cost of doing business" for nefarious activities. We also tackle the bigger picture: Is this really about protecting consumers, or is it the government's attempt to maintain control as the dollar struggles internationally? With housing prices as our inflation indicator and the BRICS nations potentially backing their currency with gold, we're asking the hard questions nobody else will. Perfect Spiral Capital Insight: As always, Luke and Rob bring their expertise in helping people navigate uncertain financial futures. While crypto regulation might make headlines, they remind us that the majority of their assets are in real estate and life insurance cash values - investments that go up every day regardless of what Congress decides. Don't miss this episode if you want to understand what's really happening behind the crypto regulation headlines and how to position yourself for whatever comes next. Ready to navigate your financial future with expert guidance? Visit PerfectSpiralCapital.com to book time with our team. /episode/index/show/818e9092-8b3a-44f1-be2a-98ebebbdb7a5/id/37698410

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