➡ The article discusses how elite banks and neoconservatives profit from wars at the expense of ordinary Americans. It explains how these groups push for wars, fund them through loans and bonds, and then profit from the resulting economic activity. The article also highlights how these same institutions exploit Americans through predatory loans and high interest rates. Finally, it suggests that Americans are becoming more aware of these manipulations and are seeking ways to achieve financial freedom.
➡ The text discusses the issues with the current banking system, including predatory lending and the negative impact of certain regulations. It suggests that consumers also share some responsibility for their financial situations. The text then proposes an alternative strategy to traditional banking: using simple interest lines of credit instead of mortgages. This method allows consumers to reduce their principal faster, thus saving on interest and potentially paying off their homes in a shorter time frame.
➡ The strategy discussed helps people manage their finances better by using lines of credit from banks and credit unions to pay off mortgages and generate passive income. This method also allows people to fund whole life insurance policies, which can serve as a personal bank. The strategy encourages investing in oneself, such as starting a business, for a high return rate. It also highlights the importance of understanding and leveraging tax codes to minimize overtaxation.

Finish the job. Do what you have to do to bring about the regime change that will allow your children to sleep through the night to the American people. Wake up! Understand what we’re fighting. The Ayatollah’s not normal. These are not normal people. Stand with Israel. Standing with Israel, you’re standing by your, you’re helping your own self. You’re helping your own families. I’ll make a prediction. Israel’s gonna win and this regime’s gonna fall. This regime’s gonna fall of its own weight. Neocons and their elite banking buddies are pushing for endless wars while profiting off of the misery of hard-working Americans.

This isn’t about geopolitics for them. It’s about a rigged system that’s bleeding our country dry. These Washington insiders have never met a war they didn’t like. These are the folks who’ve been beating the drums from military interventions. Well, let’s see, Iraq, Afghanistan, Syria, and now they’re eyeing places like Iran and China. Now they’ll tell you it’s all about spreading democracy or national security. But for many of these people, this is just a hustle that keeps the war machine humming and their bank accounts growing. When a neocon politician or think tank pundit pushes for another war, they’re looking for a paycheck.

Board seats, consulting gigs, stock options for the rewards for keeping the world on fire. But it’s not just the defense contractors cashing in. The real puppet masters are the elite banking establishments. These are the Wall Street titans, the global financial institutions that fund the wars and then profit from the chaos. When the U.S. drops billions in a new military campaign, that money often comes from debts. So our government borrows from these banks and they rake in interest payments while we, the taxpayers, foot the bill. Trillions of dollars in debt from decades of war. And who’s getting rich? Not you, not me.

It’s the bankers. And here’s where it gets even uglier. These same banks that profit from war are also screwing over everyday Americans with predatory loans. Now, think about it. The same elite institutions that finance wars are the ones locking Americans into financial slavery. So they’re playing both sides, funding the bombs abroad and skyrocketing interest rates and loans at home. So your tax dollars pay for their wars and your mortgage payments line their pockets. It’s a very definition of a rigged game. And the neocons and the bankers are the house. They always win. Let’s talk about how this works.

When the government ramps up for war, it needs cash and it needs it fast. So it issues treasury bonds, which are then snapped up by big banks and foreign investors. These banks lend the money to the government at a profit. And we’re stuck paying the interest through our taxes. Meanwhile, defense stocks soar. And the neocons with their hands in those companies, they make a killing. It’s a perfect scam. Start a war, borrow the money, build the weapons, and then cash the checks. But the damage doesn’t stop there. Wars destabilize economies, not just in far off countries, but right here at home.

Inflation spikes, gas prices soar, and the cost of living crushes the middle class. Think of the 2008 financial crisis. The banks bundled up toxic mortgages, sold them as quote investments, and then crashed the economy. And who paid the price? Who paid it? Main Street, right? Who got bailed out? Wall Street. And who was cheering for more wars while all this was happening? The neocons. Because war distracts you from the fact that your life savings just basically vanished. So why did they get away with it? Well, largely because they control the narrative. The legacy media owned by the same corporate elites parrots the neocon line about fighting for freedom while ignoring the financial carnage here at home.

Obviously, they’re not going to be talking about the billions of profits they make or the families losing their homes due to bad fiscal policy. And if you dare question it, Well, then they’ll just call you a unpatriotic conspiracy theorist or nutcase. But here’s the good news. We’re waking up. Americans are fed up with endless wars and Wall Street’s games. We’re starting to see the connections and how the same elites who push for war are the ones keeping us in debt. So what can we do? What proactive measures can we take here? Well, joining us today is author and founder of Replace Your Mortgage, Michael Lush.

Michael’s a good friend of this channel. He spent decades learning the best way to create your own parallel economy. And he’s here to give us his insights and share how we can have true financial freedom. Click on the link in the description below to get started on that journey to paying off your mortgage. That’s Michael’s expertise. And that way you can create real passive income and set yourself free from these exploitive banks. Michael, welcome. Always great to see you again. It’s been too long. Yeah, it has been. I appreciate it, Steve. Oh, it’s great seeing you, man.

So I mean, you’ve been working with folks to break free from the financial trap set by these elite banks for years now. You’re amazing. Can you walk us through what’s really happening with this sort of rig system? I want you to say sort of totally rigged system time war profits to predatory loans. Yeah, I mean, as you said, as you perfectly laid out, you know, I always thought of you as just an intellect when it came to politics and geography and history. But you know, your thing about the banking industry and you hit the nail on the head, not to beat a dead horse, but, you know, when it comes to war profits in banking, it’s intertwined.

And there’s several mechanisms, primarily driven by the financial sector, as you’ve laid out in its role in funding wars, managing war related debt and profiting from economic activity surrounding the conflict after the war. You know, so there are several factors when it comes to war financing and loans. You got governments that borrow heavily to fund the wars. Who are they borrowing from? Well, obviously, they issue bonds, but they’re also taking loans from banks. You know, give you an example during, yeah, it was World War One and two, actually, banks, banks like JP Morgan and company underwrote government debt so they would earn interest and fees off of that.

And they would also fund our allies, especially in World War One. So they would come from those loan arrangements and bond sales. You know, one thing that you didn’t mention is the military industrial complex. You know, banks invest in those. So they’ll take the profits from these loans and invest in other loans to the defense contractors like Lockheed Martin, Boeing, Raytheon, et cetera. And so they see massive profits during these wars. And these firms rely on bank credit for the production. And then, as you mentioned, banks earn interest while holding the stock of these companies, benefiting the price and shares of the price of the stock during these conflicts.

So it is a never ending cycle between banks, military industrial complex. And then, quite frankly, you know, you got your lobbyists and your politicians that are tied into that. You didn’t mention, you know, people like Dick Cheney and Hal Burton. Yeah, these policies are driven to hopefully escalate wars because they get rich from wars. Wars are profitable for a lot of things. Right. But at our expense, that’s the sad thing in every way imaginable, even lives, which is so horrific. I was going to ask you if you could develop a little bit of that, of how neocon insiders you mentioned like Dick Cheney or Bill Crystal and the like, or Lindsey Graham.

How those neocon insiders and Wall Street titans tend to collaborate to keep this war and debt machine running at the expense of everyday Americans. Yeah, they want to perpetuate a war and debt cycle. And again, as you said, at the expense of everyday Americans who are really funding this with our tax dollars. So as I mentioned before, it operates through a mix of policy influence, financial mechanisms and systemic self-interest, drawing on, you know, the context of war profits and banking exploitation that you’ve raised, you know, kind of give you an idea. It’s embedded in think tanks, you know, projects like New American Century or AEI, you know, government roles.

They push for aggressive foreign policies that justify perpetual wars. You mentioned Paul and you didn’t mention John Bolton. He’s another one. Shaped your inventions in Iraq, Afghanistan and around the world. So these insiders frequently move between government defense contractors and Wall Street. So example, Goldman Sachs executives like Robert Rubin and Treasury Secretary under Clinton, Stephen Friedman, who was a Bush advisor. They influence fiscal policies that favor banks while aligning with neocon agendas. So this revolving door ensures that policies prioritize corporate and military interests over public welfare. Yes. Yeah. And there’s no oversight. That’s what drives me crazy with it.

Nobody in the media challenges them on. I see Bolton all the time on CNN and MSNBC, you know, just just spewing all of his propaganda, just trying to get us in the next war. I mean, what are some what are the the I mean, I guess I’m asking, how did we get here? It may be built into the whole, you know, sort of Bretton Woods system or even or even just the post fed system back going all the way back to 1913. But what failures in oversight or or policy just have allowed banks and neocons to come together and exploit taxpayers and homeowners unchecked for so long.

Yeah, I’ll provide a little bit of pushback when it comes to just banks and the lenders being predatory. And I won’t say pushback. Maybe it’s more of a bolt on. And it’s not just the lenders and the banks being predatory with these loans. You know, and I’m a big fan of deregulation. Right. But, you know, you know, you’ll have bills like the Dodd-Frank bill. It was designed to heavily regulate the lending and banking industry. And in doing so, they’re hopeless to reduce the cost to the average American. However, now that we’re almost two decades out, we now know what the result of that is.

It actually increased the cost to the average American consumer. Now, having said that, I do think consumers need to weigh or have a way in this accountability as well. Just thanks for offering the loans that you qualify for because it didn’t take anything other than to fog up a mirror to qualify for. I mean, you had to take it. Right. Granted. Yeah. We’ve seen some of the movies that illustrate this perfectly. Dancers getting three, four homes. Right. Right. Well, just because you can qualify doesn’t mean that you can actually afford those three and four homes. So I think we as American consumers also need to participate in that accountability, too, not just banks and lenders.

But there is a way we don’t have to participate in that. And I think that’s kind of what you’re getting to. Right. Right. Yeah, that’s it. And thank you for saying that. That’s the hardest thing to look in the mirror and say, how have I contributed to this? And we have. Well, there’s no question. We we thought we could benefit off of this this cheap cash that they were throwing at us. And we helped contribute to the 2008 GFC. No question about it. So that’s a perfect pivot. So how do we get out of that? OK, we’re all right.

We contributed to that. We see it. Yep. So what what can we do as patriots to sort of build our own financial independence, protect our families so that we just don’t get involved in this corrupt system anymore? Yeah. And before I answer it, I want to kind of give a little bit more enlightenment of another layer deep. We talk about banks and lenders. But in my opinion, it goes further back than that, which would be the central banks, the Federal Reserve. 1913 or your favorite year. Absolutely. Well, also just the central bank, but also taxation, too.

Right. Yes. Yeah. They had to pass a new constitutional amendment. Exactly. Yeah. So what the Federal Reserve is is a backstop to banks that allows banks to execute what’s called fractional reserve lending. So instead of them having for every dollar they had in deposit, they could lend out a dollar in loans. Now they can lend out 10, sometimes 15 times what they have in deposits. Right. So I think I think this problem stems back to the central bank as well. But to answer your question directly is we don’t have to participate in it. There is an alternative strategy.

There is alternative products that you can bypass the bank altogether to a certain degree. And let me explain what that means. You know, for most Americans, they have a mortgage. And you know, if they’ve got a mortgage back in the Covid era, they probably still owe roughly the same amount as they did back in 2020 and 2021 because mortgages are front loaded with interest. The first five years, predominantly interest only payments. And most Americans were teased by that low rate, the Fed reducing the interest rates that they refinanced. Now, some of these Americans could have been 5, 10, 15, 20 years into their mortgage where they’re actually starting to get traction to paying this thing off.

And then they were teased by these low rates, starting the clock all over again. And now they’re essentially in the interest only portion. I wouldn’t want to say interest only, predominantly interest portion of this amortized debt. So there is an alternative tool. One that we like specifically is simple interest lines of credit. And people never think about that because we’re told by some other financial entertainers that lines of credit are bad, right? You think of a credit card when you think of simple interest lines of credit. But in the banking standpoint, there’s home equity lines of credit.

There’s personal lines of credit. There’s business lines of credit. So when you have a simple interest line of credit, when you put money in, money goes to principal first, then interest is calculated. On mortgage debt, when you put money in, it goes to interest first, then your principal is calculated. So how do we bypass the banking system? So instead of donating our dollars in the form of checking, savings accounts, CD, money markets, where the banks are not giving us a rate of return, it keeps up with the cost of inflation. So what does that mean? You know, if you’re right now, according to go banking rate data, the average checking and savings account pays 0.17%, okay? Not 1.7% or not 11.7%, 0.17%.

You’re losing money, right? The inflation is eating your money away. Yes, yes. And, you know, again, we had the Biden era of historical inflation, but let’s also talk about, you know, 100 years worth of inflation, the average inflation rate is 3.3%. So we think of, okay, I’m getting 0.17%, but the cost of goods and services are ever increasing at roughly 3.3%. That’s not a big deal because we only look at the margin, but we don’t think of it as we should like bankers. Instead of thinking like consumers, we need to think how bankers think because bankers make a lot of money, right? So what do we want to do? We want to make a lot of money, we want to have independence, we want to secure our family.

So what that translates to in terms of an internal investment rate of return is negative 1,841%. So every time you deposit money into checking and savings account, you’re getting a negative 1,841% return on your money. Again, highlighting negative, you know, you go to a financial planner, any investment device, or they’re going to tell you to sign up for a guaranteed 1,841% negative rate of return? No, but we do it in droves. So how do you bypass that? Well, with a simple interest line of credit, it works just like a bank account. So instead of putting your money in a checking and savings account where it does nothing for you, you can put it in a line of credit that you own your home.

So your mortgage, replace that with a line of credit. Now, use that line of credit as your operating account. It is your checking and savings account. So all of your cash flows going towards it, it suppresses the principle. When you suppress the principle, you reduce time and you reduce the amount of interest that you pay substantially. Our clients, going from a mortgage, let’s say 25, 27 years left on their mortgage, our average client is paying their home off in five to seven years without changing anything about their existing budget. All we’re doing is redirecting the cash flow instead of using the bank’s checking and savings accounts, which is designed to separate us from our cash.

That’s why the modern day mortgage, which was created in the 30s, it was designed to separate us from our cash so that we had no other choice but to put money in a form of checking and savings account where they implode our national deficit, live in 15 times more money than they actually have on hand. So you can bypass that altogether, build your equity, but also maintain liquidity and operate inside of it just like a checking and savings account. Right, because it moves in both directions. It’s liquid. You can draw from it, unlike a mortgage. Exactly.

You could build equity in your home, but when it comes to a mortgage, it’s a closed-in product. That’s why we call it the modern day mortgage. It wasn’t always that way. Prior to 1913, the mortgage looked just like a home equity line of credit. I was going to say, because what you’re doing, what you’re actually talking about is sort of a retraditionalization. You’re bringing back the way we used to pay for homes and so forth before the mortgage, right? Yes, exactly. It became a closed-in mortgage, so you can pay it down, but you don’t have liquid access to your equity.

Inside of a line of credit, you do have access to it, so you can pay your everyday bills and expenses out of that line of credit while your cash surplus is sitting in there suppressing the balance, reducing the interest, therefore speeding up the time. Michael, can you tell us about you? You have a very unique approach to creating a parallel economy, and I’m just curious if you could kind of spell out for us just a little bit broad brush how your strategy helps people. I think you’re talking about it. Pay off their mortgages, generate passive income, and just basically escape the grip of these predatory financial institutions.

Yeah, and again, it’s bypassing the banks altogether, so one, we operate inside of a line of credit. Not 100% bypassing the banks, because who are you getting these lines of credit from? Banks and credit unions, right? But they don’t want to tell you about that part, do they? No, because it’s less profitable for them. Where do profits come from? Profits come from consumers overspending, right? And that’s also where commissions come from. When you look in the banking and lending world, mortgages have high commissions. When it comes to lines of credit, there are little to no commissions.

Why? Because there’s no profits, and again, profits come from consumers overspending. So number one, we’re going to divert our cash flow into the line of credit. And now it’s opened up liquidity, and with that liquidity, we can then fund other products, like for instance, I’m a big fan of whole life insurance. You can fund whole life insurance policies that you otherwise may not have been able to afford beforehand, but now you got your hands on tens of thousands, if not hundreds of thousands of dollars that you can fund these policies. And with these policies, you can operate in that no different than you could have checked in the same account as well.

So essentially, you now become slowly, you know, to replace your mortgage strategy, you get results 30, 60, 90 days, you’re seeing significant impacts of the balance that you owe on your home. And yes, it would be nice to be debt free, but then we redirect that liquidity over into these insurance policies, essentially becoming our own family bank. Yeah, because they work both ways as well. Their whole life insurance is liquid, yeah. Exactly. So it’s building cash flow, you get guaranteed growth on it. You also have a death benefit, so you’re protecting the legacy of your family.

When you need to borrow, guess who dictates whether or not you’re approved? You. You are the bank, you’re the bank owner, you’re the banker, you’re the depositor, and you’re the borrower. You are all four parties of that transaction. So essentially, we’re showing people how to escape the banking matrix altogether. And then with their newfound capital, maybe you invest in real estate for a passive cash flow. Maybe you invest in other products, maybe you invest in yourself, maybe you invest in your own businesses. Because I know, you know, people ask me the question all the time, what are you investing? I invest in my business.

I get a great rate of return when I invest in myself. Maybe you should start investing in yourself and building your own economy, your own companies, your own businesses as well. Yeah, I came across a study years and years ago on, you know, it was the question, what is the best investment, best investment you can do? And the conclusion was, create your own business. That’s going to be your highest rate of return. No other investment even comes close. And then once you start getting that cash flow, then you can have all these other investments that you do as well.

And then you have your assets and all this passive income. I just love, I love the way, is it called infinity banking or infinite banking? Is that the basic structure? Yeah, infinite banking concepts. There’s infinite ways to leverage this, you know, especially when you’re talking about insurance. There are four current tax codes that eliminate insurance from taxation. You know, every time you do your taxes, especially if you’re an entrepreneur like myself, you’re like, man, I’m overpaying my fair share of taxes all the time. So there are ways to work with inside of the IRS tax code to also simplify your tax taxation or overtaxation and start operating inside of these insurance products.

And again, it’s not tied to the market. So when you have Biden era years in 2022 and 2023, Fidelity was the largest national holder of 401ks, people holding 401ks, those are tax deferred programs. They’re not tax free programs. But what happened? You had a 22% dip, which means you got to have the following year just to get back to square one greater than 35% return, which doesn’t happen. So I would rather be in something that can never be taxed again. But to answer your question, it’s called infinite because there’s so many it’s all based on your creativity of how you use it.

You can use it to fund businesses. You can use it to acquire businesses. You could use it to invest in gold or crypto or whatever you want. Yeah, it’s all saying there is that sovereignty there. You’re outside of this rigged system that’s always trying to keep you basically in debt when all is said and done. So I love it, Michael. I mean, I’ve always loved your work. It’s incredible. And gang, if you don’t know, just click on the link below and you’ll discover it for yourself. I mean, Michael is offering the ultimate solution to surviving and absolutely crushing it in today’s economy by paying off your mortgage in like five to seven years.

It’s amazing stuff. Let Michael Lusch of Replace Your Mortgage and his team help you get started on securing your financial future. So you have time to spend doing what you love with the ones you love. It really just does come down to learning these things and then thinking better so you can live better. So click below to get in touch with Michael and his team and get the ball rolling. You are not going to regret it. Michael’s the best. And you are the best, Michael. You gave me a nice compliment about my knowledge of finances, because I learned it from you, dude.

Thank you. You’re a good student, though. Thanks, Michael. Come on in. Don’t be such a stranger. Don’t be so arrogant. Come back on the channel any time. Absolutely. I appreciate it, Steve. Thank you, Michael. Thank you, Steve. [tr:trw].

See more of Dr. Steve Turley on their Public Channel and the MPN Dr. Steve Turley channel.