➡ Carlos Cortez, in his last episode of Scriptures and Wall Street for 2024, discusses the financial market’s performance, including the rise in markets and the lowering of interest rates by the Fed. However, he highlights the struggles families face due to inflation outpacing wage growth and the high cost of living in places like Florida. He expresses hope for economic improvement with the new administration and the need for measures like tariffs on China and job creation. Carlos also shares his personal reflections on faith, the importance of love and kindness, and his hopes for a better 2025.
➡ The speaker encourages listeners to align with advisors who share their beliefs, particularly regarding vaccination and investment choices. They discuss the fluctuating value of gold and the dollar, emphasizing their belief in the strength of the American dollar and its symbolic representation of American values. They also mention the potential of artificial intelligence in the market and the importance of monitoring the volatility index. Lastly, they predict a continued rise in the NASDAQ going into 2025.
➡ The speaker is offering a safe money account that tracks the NASDAQ index, providing potential high returns with no fees. This account, backed by insurance carriers, protects your principal regardless of stock market fluctuations. The speaker encourages listeners to review their accounts and reposition their assets for future success. The speaker also shares personal reflections on faith, the importance of not being too busy for God, and gratitude for family and health.

SA Foreign. Hey guys, Carlos Cortez here with another episode of Scriptures and Wall Street. This is going to be the last episode for 2024. Wrapping it up. We’ve had a great year. We’ve had markets gone up substantially. Volatility index has been low. Obviously some manipulations, some changes in, in the financial markets as we see with the inverted yield curve still trying to uninvert going back to, in January, really, we knew that this was an election year, that it’ll be violent going into 2025. But more importantly, the Fed said they were going to lower interest rates, which they actually did.

But what’s pretty much wild is that when they lower interest rates, we still have problems at the pump, we still have problems at the grocery stores. Families are extremely, extremely drying out of their savings accounts. They’re in a pinch because the wages aren’t climbing as fast as inflation. So people on Social Security, although they’re getting roughly about a, I think it was a 4 1/2% cola adjustment for next year, it’s not going to be enough. It’s not going to be enough. So hopefully with this new administration that we’re having, we can create some more jobs, we can create some economic spark, economic boom.

When we slam the tariffs on China, when we start drilling, when we can get our logistics back to what they need to be. When we can slam down the bricks, Tom, when we can increase the dollar, these are the major things that we need to see in order for our economy to really, really start packing back up. When it comes to, when it comes to the houses here in Florida, we are going through a meltdown right now. The inventory is up over 85% in certain areas. Even in Tampa it’s up 50%. We have a lot of homes for sale as retirees or they’re just getting tired of the inflation.

It’s literally, literally very expensive to live down here in Florida. I’m in Tampa, so it’s, it’s not expensive as Miami, but it’s, it’s getting there. It’s, it’s pretty. I mean, a million dollars to buy a home is like a normal home. That’s wild to me. If you’re out in, out west or small town and you say a million dollars, a million dollars, you’re buying a ranch somewhere, you’re buying land. Not over here in Tampa, you’re buying maybe if you’re lucky, a, a 3,000 square foot home. It is, it’s wild, man. So inflation has gone through the roof.

We really, really need to get a crack on that. But, hey, I’m excited. I hope you guys enjoyed Christmas. Even though we don’t know Jesus’s actual birthday, it’s good to celebrate Christmas with the kids and the family. I hope that you had a great Christmas. I hope that. That it was an exciting one. Knowing that we’re going into 20, 25 a day, different landscape. A different landscape. That it will be more positive, right? That we can finally start that business. We can finally lose that weight. We can finally get our family to church. We can finally do all these things.

And it’s not because it’s Donald Trump’s coming in the office. It’s a good time to reflect. Like, how can I be a better person in 2025? What does that mean to me? Do I help out my neighbor? Do I really try to love my neighbor like I love myself? That’s one of the hardest scriptures in the Bible. And when I get to heaven, I’m gonna be like, God, why’d you. Why’d you write it like that? What if your neighbor is. What if your neighbor is some gay. Gay guy that. That hates Jesus? I mean, you’re supposed to love him, right? So doesn’t mean you have to associate with him.

Doesn’t mean you have to be the best friends with him. You just got to show love to him. It’s one of the hardest scriptures, one of ones that I struggle with almost every day. So. But, yeah, God just. God just works in me, you know, to correct me and when I’m in wrong. And it’s. It’s amazing that he still chooses us, even in our sin. It’s amazing that he still chooses all of us in our sin. When it comes to basic, the markets, guys, I usually take time off. I’m sorry I missed this week’s show, but I wanted to do one this weekend.

I didn’t feel like working. I just wanted to hang out with the kids and just reflect and just be present. I think I sat on the couch all week. I didn’t even play hockey this week. And I lost weight because I walked. But I’ve been getting, like, these nose outbreaks from allergies. So feel free to laugh at me if you see, like, a red dot on my nose. The allergies in Florida is terrible for me. At least with the. With the weather changing, it gets hot. It’s cold. I mean, it legit was like 38 degrees one night, and then the following day, it was over 90 degrees.

Like, this is. This is just nuts. Like, I bought firewood to throw in the fire. And I don’t even need it because it’s 90 degrees outside. Oh, man. Gotta love Florida. All right, I’m rambling here. Let me get to the important stuff, the charts. This is why you guys listen, because you want to update on how markets are doing. Oh, by the way, before I show you the charts, that’s what I wanted to talk about. I didn’t have notes today. I’m just freestyling today. So I’m on X, right? And I see Bill Gates is going to Mar a Lago.

All of a sudden, Bill Gates is going to Mar a Lago. Emergency, Emergency. And, and then I think Breitbart was posting about that Donald Trump is going to release the Epstein list as soon as he gets in. And all of a sudden this guy, the killer of all humanity, Bill Gates goes, goes postal and wants to meet with Donald Trump. Maybe it’s the big tech issues, right? Yeah, Right. So we’ll see a lot of weird things like with emergency White House meetings that Kamala cancels her trip and Biden, Biden rushed over to the White House. Now Bill Gates is rushing over Mar A Lago.

These people are shaking, man. These people are shaken. They’re afraid. I mean, the Epstein’s list, the P. Diddy list, it’s all going to come out. It’s all going to come out. So you can run. You can run, but you can’t hide. And look, it’s, it’s part of the sacrifice that they signed up when they sold their souls to the devil. That’s what they do, right? All right, so Share screen. So those of you that like Donald Trump stock djt, I mean, this thing is looking really healthy right now. Maybe a good time, maybe a good time to get in.

Let me, let me go to another chart, actually. That’s the QQQs. We’ll look at that in a minute, too. This is Donald Trump stock djt. We got a golden cross here. So we got a lot of momentum bumping up on this bullish power. So this is going to go up. For those of you that have Donald Trump now, we lost a lot, obviously, back in January of this year. It just plummeted, right, from 44 all the way dag on to 15. And that’s coming back. But this is, this is, this is looking really, really healthy. A lot of momentum.

A golden cross just formed on December 23rd. So whenever we get this golden cross, 95% of time, it just, boom, it takes off. It’s bullish. Everything looks good. Great buy of Course, this is not recommendation. Let me see my disclosure. For those of you that are listening to this, please keep this information on this podcast as information education purposes only. I am a licensed financial advisor. However, I’m not giving financial advice on this podcast or any of my podcasts. If you would like financial advice, give us a call. 813-448-3446 or you can visit us at Cortez wm.com you can also download a free guide at americafirstretirementplan.com I wrote a book about this stuff.

You can download a guide, learn the colors of money, get your financial life in order where you don’t have to worry about this nonsense. We can literally protect your principal, grow it with the index, have the ability to have a retirement so that you could live off of. You know how many calls I get and how many reviews I do of clients like, wow, I just made $34,000 this year. Carlos and I took out 27,000. This is great. I actually made money and, and pulled income out. Yes, yes, that’s what we do. Like, that’s very powerful.

And when you have these tools and when you have the landscape, when you have the architecture, you’re able to give what you want to the client. To the client. You, benefits where you don’t have to go to Raymond James, you don’t have to go to ubs, you don’t have to go to Edward Jones and all these, these corny, like disgusting, more or less heartless places that they just care about shareholders and not you. So if that’s you, if you want to actually give us a crack or, or give us a go, we’d love to have you.

We only work with God fearing patriots. If you’re listening to this, and you probably are, I can’t imagine a liberal taking five minutes of what I’m saying. But yeah, just give us a call. 813-448-3446. And we really, really want to help you out. Actually, we’ll help anybody out. We just, we prefer to do business with what guy fearing patriots because we’re a good fit. At the end of the day, you want to be on the same alignment as your advisor. You want to have your advisor believe in what you believe in. Are you vaccinated? Is your advisor vaccinated? Well, if he or she is vaccinated and you’re not, that’s not a good fit.

There’s obviously a huge, huge, huge opinion differences there. He’s going to, or she’s going to invest In Pfizer, invest in things that you are really adamant about. And that’s what we’re not going to do. It’s that simple. We do not want to subscribe to the red money system, the evil money. So, Donald Trump, stock looking good right now. Let’s go to the other one, fellas. All right, Donald Trump, let’s go. For those of you that are listening to the gold rush here, let’s take an update on gold real quick. So for those of you that are actually thinking about purchasing gold or maybe you’re looking at gold.

Gold, as I said many times, is a commodity. It is not insurance on your money. It’s not a safety net. It can be used as a safety net, but if we’re using gold as currency, guys, we got bigger problems than precious metals. However, I do subscribe to gold. I do like gold. I also, I also have, I’ve told clients plenty of times to buy gold. But what we need to understand is that gold is still manipulated. It’s traded by the big banks that you’re trying to avoid. And here we go. Like, we had a buy Signal back in December 9, it went up a little bit, just a hair, and now it’s coming back down.

So that, as you can see, the short term, we have midterm, long term, our traffic lights here that basically cover the momentum and predict where this is going to go. Of course, this is information purposes only, so we should see a turning. This was all green. This was all green. I’m very curious to see if this short term turns green over the next few weeks. Because what’s interesting about the gold, even though, even though it did hit, you know, 25, it. It tickered with 20, 26, 22, it’s still got a lot of momentum, but it’s starting to get mixed.

Starting to get mixed. And so what’s correlated with gold is, as you know, is the dollar. So as we see the dollar rise, your gold is going to go down. And we got a golden cross on a dollar right after the election, November 29th. This, this dollar is skyrocketing, man. We’re at 107 right now. This thing is smoking. Looks like Tesla. I’m telling you, man, this is why I said that Donald Trump is going to slap around the bricks. And they are crapping bricks right now. They are literally crapping bricks. The Brazil, Russia, India, China, South America, because he’s just going to impose the hell out of them with tariffs.

He’s going to smack them around. You know, they complain that we’ve been bullying them. So what? We’re freaking Americans. That’s what we’ve been doing. We have big guns. You don’t mess with us. We have big dollars. You don’t mess with us. Like, that is America. This is why we have the biggest, baddest country in the world. There’s no other America. There’s no Plan B. And the dollar is such a huge symbolical representation of who we are as, as conniving, entrepreneur, brave people that we are conniving in a good way. Spirit of enterprise, the spirit of America.

The dollar will reign. And anyone that has turned their back and said, oh, the dollar is crashing, blah, blah, blah, go buy gold. You’re not an American. Our troops. Our troops. My father, your veteran family have fought because they believed in America. They believed in your business. They believed in our system. Now, we’re flawed. Half of us are vaccinated now, but at the end of the day, we’re still Americans. And we have to understand that is the spirit of capitalism that will bring us out of any stupid recession, depression. It is our American spirit that the whole world doesn’t know how to accept us.

They don’t know. They don’t understand our logic, and that’s what makes us Americans. When you doubt the US Dollar, you are basically crapping on every soldier that died for our country, because the dollar is the number one representation of what America is. And for those of you that don’t believe me or want to talk crap about it, that’s okay. I grew up in the military. My father fought in Desert Storm. Like, this is what. This is what I grew up in. And there is no plan B, guys. There’s people in Mexico that fled when, when Joe Biden took office that want to come back.

You know, you know how, like, these Democrats, oh, I’m leaving the country. Trump gets in. Well, there was a bunch of conservatives that left when Biden got in, and now they’re coming back, but they don’t want to come back because it’s too expensive. Oh, man. I have a few clients that live in Mexico and. And they want to come back, but they don’t want to come back. So, anyways, the dollar’s doing well, y’all. Dolla dollar bill, y’all. All right, so let’s go to the QQQs again. The QQQs are amazing. This is going to be your NASDAQ up.

That’s the tqq, qqq. Huge momentum. Like, it’s all green for months now. For months. There is nothing Wrong with this nasdaq. This NASDAQ is smoking. We have Tesla in this, we have Magnificent seven thriving. We also there, there is a lot of correlation with Bitcoin, with tech and vice versa. But yes, artificial intelligence is going to be huge. Nvidia it’s just pushing the market so I don’t see it going down. There probably will be a pullback at some point but the volatility index is creeping up from 14 to close to 16 now. So you want to keep an eye on that vix.

As you guys know the VIX is pretty, pretty much determining where we are headed and so I got a buy signal on a Vix 16. Wow. So yeah, I mean we’re, we’re, we are going to see some volatility coming in and as the market goes up this will go down and continue to go down. As markets go down this will go up. So we always want to keep an eye on the volatility index. This is VIXI for those of you that want to buy the volatility index. This is a huge ETF right now it’s saying that it’s going to go down but there is a converting of green here.

So I’m going to be looking into this after the new year. This is just kind of closing out the year but yeah, it’s been in this channel for so long but this ETF could literally go into thousands guys. I mean this ETF is insane. Is that 400 back in 2022 so you could literally buy the ETF and just hang on to this and when crap hits the fan this is where this thing does very well. You see I would rather you buy something like this than gold. If you’re really feeling like the economy is going to crash then why not buy an instrument that actually does well when the market goes down youn know, you’ve heard the movie Big Short where these banks made these.

Michael Bloom made a ton of money when they shorted the market and so this is kind of like of that, of that mindset where it’s contrarian basically market goes down, VIXI is going to pop really bad. I mean it’s going to pop to the moon. The I mean this thing has been in the thousands before. Yeah, I mean look at the number on the right, Small number on the right. I mean this thing has been insane. So back in 2015 it was over 40,000. Just wild, absolutely wild. Okay, S&P 500 so those of you that are just in S and P it’s doing well.

We got nothing but Green lights. Everything is smooth. Look looking good. Smooth sailing going into 2025. There’s nothing going on right now. S P is looking good. Let’s look at Russell 2000. So we starting to see a little bit of pullback on the Russell 2000. Nothing, nothing too major. But we’ll start to see, we’ll start to see some, some crazy reactions as a NASDAQ pulls us up. Because the Nasdaq has a lot of technology. I’m sorry, the Rust 2000 has a lot of technology in the space. What is pretty amazing I wanted to show you guys is we got a new product that’s out and chances are it’s in your state.

So what I actually want to just really reiterate going into 2025 is the NASDAQ should continue to rise going into 2025. What if I told you that you could make 120% of these returns in a safe money account? So in 2024 already the NASDAQ has done 33%. Last year was 43%. The year before that, in 2022 it went down 33. So you made a zero. The year before that in 21 we made 21.39. And during COVID 43, 2019, 35, the year of the tariffs, 3.8 negative, you made a 0. 28, 2.47 and a half in 2015.

I mean, guys, these returns, look at these returns. When are you getting these returns? More importantly, if you’re not getting the returns, give us a call. 813-448-3446. We now have a safe money account that literally tracks the same index and you get a hundred percent of it with no fees. Yes, it’s in your state. I don’t do business in New York. I don’t do business in Hawaii because there’s no way I can wake up that early. The time difference in Alaska. However, we want to help you out. We want to help you out and there are some, there are some great tools going into 2025 that you really should have an account that could build wealth, lock it in, protect it from the cbdc.

Lock it in from the. The evil Luciferian markets, in the failures of the banks. We have the ability to protect your principle regardless of what the stock market does. And these are actual real returns, not some income rider, not some, some guaranteed lifetime income scheme. This is actual real returns. Past performance is not indicative of future results. And we do want to make sure that all this is backed up by the strength of the insurance carrier that are Issuing the guarantees because these are insurance based products that allow you to gain wealth in these accounts. And so the big banks, they don’t want you to have this stuff.

They don’t want you to have it. They water it down. They tell financial advisors like myself when I was on Wall street that we wouldn’t be able to have anything like this because we don’t make money off of them. This is what the bank used to tell us. And so this is what, this is what a lot of all my clients do is they, they carve out green money so they have the ability to take more risk or they just simply just take that money and deploy it in another model. And we do yellow money as well, we do brokerage accounts as well on our advisory, on our advisory side.

But this is for, this is for the safe money side, this is for the insurance based side. And we want to make sure that you have the ability to protect your principal going into 2025. Because just because Trump is in does not mean they won’t try to crash the banks. They try to kill this man, they literally try to take his resorts away, they try to put him in jail, they, they’ve done all these things to him, literally try to kill him again. Don’t think they’re not going to make it hell on Wall street and the economy.

Don’t think for a second they’re not going to do that. So especially with him threatening about the Epsons list, you guys know how that story rolls. But yeah, if you want to make some returns and have principal protection and have the ability to follow one of these indices that are pretty much have a huge, huge proven track history even up to current times. We could make a hundred plus percent of this index with no fees. Obviously past performance is not indicative of future results, but it does help looking at what you can expect versus what you’re currently at.

And so if you want to have a review of your account, give us a call. We want to help you. 813-448-3446. More importantly, you want to reposition your assets so that they are Trump friendly. And when you do that now you’re setting yourself up for success instead of, instead of having the same roller coaster ride that you’re probably going into instead of having the same fees. Right. Because a lot of people don’t even understand the fees that are coming out of their account. So my scripture today is the clean slate scripture. I like this. As we wrap up this year, maybe some bad things happen to you, maybe some good things Happen to you, but at any cost.

We all love a clean slate. We all love the January 1st new year because it’s time to reflect, time to have a new clean slate of things. And my, my scripture right now is, goes back to Hebrews 10:22. Let us draw near with a true heart and full assurance of faith, with our hearts sprinkled clean from an evil conscience and our bodies washed in pure water. So maybe you need to rededicate your heart to the cross. Maybe you need to rededicate your, your responsibilities to your family. I don’t know what that is for me. I constantly have to reframe, constantly have to check in on my heart, check in where I’m at.

And this scripture is beautiful. Hebrews 10:22. Let us draw near with the true heart in full assurance of faith, with our heart sprinkled clean from an evil conscience in our bodies, washed in pure water. So we naturally, we naturally have an evil conscience. It’s basically normal. And it’s really the blood of Jesus that purifies our mindset, that purifies us. And he says that our bodies are washed in pure water. And so when we have this proclamation that God can enter into not just our heart, but change our mindset. Renewing of the mind. Romans 12:12. We want to embrace that, especially going into 2025.

So it’s my prayer that you guys have a renewing of the mind, whatever that means for you. Maybe it’s, it’s waking up and instead of checking your phone, you read some scriptures. Maybe it’s going out for a 15 minute walk by yourself or maybe your kids or your wife. Maybe it’s just doing nothing and being in peace and quiet for meditation, just praying, sitting, sitting in silence with God. Maybe it’s just journaling out in the woods and just asking God, why am I here? What do you need for me to know? I mean, those two questions, I guarantee if you go out in the woods and you ask God, why am I here? What do you need from.

For me? What do you need for me to know? And what are your plans that you have for me? Just ask him. It’s really that simple. But we don’t, don’t make time. You know, my pastor said it for Christmas service. He said, if Satan can’t make you bad, he’ll make you busy. If Satan can’t make you bad, he’ll make you busy. And I’m ultra guilty of that. I am the busiest person you can find. And I made it again about myself. I made it again about the calendar link. The calendar invites the zoom meetings, the podcasts.

Leaving my wife and kids behind. I made it where I have to do this. I have to do this. I have to do this. I have to do this. And I’m going to make some changes in my life because we can’t be too busy for God. We cannot, no matter what that looks like because all this is going to. All is going to fade away. Anyway. Anyways, guys, I. I’m sorry. I just wanted to ramble and talk and talk about the charts. Nothing really big other than Bill Gates squirming. I’m just really excited. But hey, I’m.

I’m more thrilled about January 2025. It’s been a long eight years. I got some extra gray hairs, as you guys know, but I wanted to share some pictures of my kids and their Christmas. And I’m just ultra grateful that I have a family. I’m ultra grateful that I have a home, a career job, that I have my health. I’m ultra grateful that God continues to love us no matter what and is a beautiful, it’s beautiful thing. So I hope you enjoyed your Christmas. God bless you. I’m out of here. That.
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