➡ The Stew Peters Network text discusses various topics including financial bills aimed at changing the financial landscape, the importance of protecting personal finances, the speaker’s experience as a financial advisor, the influence of the Trump administration on tariffs and immigration, and the importance of making wise financial decisions, particularly regarding 401k plans. The speaker emphasizes the need for careful planning and decision-making to ensure financial security and stability
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➡ The text discusses the complexities of 401k retirement plans. It highlights that while many people invest in these plans, they often don’t fully understand the terms and conditions. The author emphasizes that 401k plans are government contracts and that the money invested becomes ordinary income when withdrawn. The author also warns that this can impact Social Security benefits and advises seeking advice from a financial advisor to better understand these issues.

➡ The text discusses the misconceptions about Social Security running out and the implications of taking it early. It highlights that the government counts 401k as ordinary income and penalizes those who take Social Security early. The text also emphasizes the importance of understanding your full retirement age and the limitations on earnings while on Social Security. Lastly, it suggests converting 401k funds into a tax-free bucket to avoid penalties and gain financial freedom.

➡ When a spouse dies, the remaining spouse and children may face significant tax burdens if the inheritance includes qualified IRAs. This can push them into a higher tax bracket, potentially losing up to 40% of the inheritance. However, there are solutions, such as investing smaller amounts now for a larger return in the future. It’s important to seek advice from a knowledgeable advisor to avoid these financial pitfalls and ensure a secure future.

➡ The speaker emphasizes the importance of seeking validation from Jesus Christ, not from others or material possessions. He encourages listeners to take responsibility for their own lives, including their financial situations, and to align themselves with Christ for blessings. He also advises listeners to be diligent, avoid blaming others, and to seek wisdom and understanding. Lastly, he promotes a product that supposedly cleanses the blood of toxins.

➡ The speaker is promoting a product from fixthebloodusa.com, which costs $88 per month, and encourages booking an appointment with their Florida-based service, available across many states. They also discuss the importance of protecting your finances and retirement from potential threats posed by new financial systems and AI, offering their 20 years of experience as a financial advisor to help secure your retirement.

You have the Clarity bill, you have the genius bill, you have the stablecoin bill. All these bills are there to change the financial landscape of what is about to come. What are you doing right now to protect your money, your retirement from all these CBDC like systems that is already track, tracing and controlling you even more so with the AI revolution that we’re in right now. We’ve been talking about this for so long now and we are effectively helping clients protect, protect their money, secure their retirement, get out of red money, support your values, support America and not this PBDC system they mastered as esg, they mastered as dei, they mastered as all these things but at the end of the day it’s all about tractoration control.

Been a financial advisor for 20 years now. We know what we’re doing and we want to help God fearing patriots secure their retirement. God bless. Click the link below if you would like to have a conversation. Mike Johnson, the 56th speaker of the House of Representatives in America. We’re here with a delegation of members of the House. We’re so grateful to be in Israel, particularly on this day, recognizing the destruction of the two temples and two types of history. But it is such a moving time for us to be here, to be here at the Wailing Wall.

We’ve offered our prayers, we put our notes into the wall as just traditional and we’re so moved by the hospitality of the people and the great love of Israel. Our prayer is that America will always stand with Israel and that we will. We pray for the preservation and the peace of Jerusalem. That’s what scripture tells us to do. It’s a matter of faith for us and a commitment that we have. God bless. You ask me to do it. Sean Diddy Combs, right. Would you consider pardoning him? Well, he was essentially, I guess, sort of half innocent.

Yes. I don’t know what, they’re still in jail or something, but he was celebrating a victory. But he seems, I guess it wasn’t as good as a victory probably. You know, I was very friendly with him. I got along with him great and seemed like a nice guy. I didn’t know him well. The Donald Trump administration is arguably the most influential this century and probably as well dating back a good portion of the last century as well. Love it, like it, lump it. Trump is remaking in the United States of America. Let’s talk about tariffs first.

Right? There’s all this talk that Donald Trump always chickens out when it comes to tariffs. No tacos for Trump. The effective tariff rate. Get this, it’s 18%, the highest, the highest since the FDR administration in the 1930s, up from, get this, just 2% last year. From just 2% last year. We’re talking about a level, an effective tariff rate level, get this, nine times as high this year than last year. But is not just on tariffs, which of course, Donald Trump ran on, in which you’re seeing a tremendously influential presidency. What about immigration? Of course, Trump ran and has always run on a very hawkish immigration platform.

Get this, 2025, net migration in the United States, down at least 60% from last year. In fact, we may be heading for the first time and at least 50 years in which we have net negative, net negative migration into the United States. And last year, of course, in 2024, the net migration, the US was 2.8 million. This year, we might be talking about negative net migration. My goodness gracious. Now, of course, this is part of the larger story as I was mentioning. We’re talking about immigration, net migration, we’re talking about the effective tariff rate. But get this, how is Donald Trump doing it while he is signing a ton of executive orders.

Get this. 180, the most in a year since Franklin Delano Roosevelt. Oh, my goodness, you have to go back to the first half of the 20th century, the last century. And to make a comparison, Joe Biden signed, get this, just 77 during his entire first year. And we’re only a little bit in August so far. And Donald Trump making history with 180. 180 executive orders signed so far this year. So that’s why I said that in my mind, Donald Trump is the most influential president of this century and probably dating back a good portion of the last century.

That is because he is remaking the country in terms of tariffs, he is remaking the country in terms of net migration, and he is remaking the country in terms of how much policy changes he’s putting through in executive orders. As I said, it truly is history. Making Love it like it or London Foreign. Hey, guys, Carlos Cortez here with another episode of Scriptures in Wall Street. Today is going to be a little bit different. I wanted to hit you up with a, an angle about some recent conversations I’ve had with many of you folks. Many of you folks are just starting out, and that’s okay.

Many of you folks have been working hard and you have a little bit of fear, uncertainty and doubt, fear that you don’t know what to do in this crazy economy that we’re in. We don’t really trust the main system. And we’re uncertain because there’s no one that we can trust because everybody that we talk to is associated to a big bank, a bank that we don’t even trust. A bank that has all of these brands and all of this loyalty to everything that goes against your values. And you’re doubtful because you have nobody to trust. You have no plan.

And so I wanted to kind of talk about that today. Like what do we do as conservative, God fearing patriots? What do we do? What is the best option out there? I’ve talked to hundreds of financial advisors, Carlos, and why should I give you a call? Well, today is not going to be a sales pitch. It is going to be a solution that I would use if I was starting out from scratch and building wealth. So I want to Talk about your 401k. Why you don’t really own it. And a lot of people just go blindly into a 401k because your HR department has said little Sally and HR said, you know, you should buy into the company match.

And although generally that sounds like a great idea, but what you effectively done has created a massive tax bomb. And the reason why I say you don’t own your 401k is because there’s so much rules that it’s ad nauseam, all the rules and they change. I can’t even keep up with them. And I’ve been doing this for 20 years, man. Like I get tired of reading all this stuff. So one thing I do want to really stress is that where you save has a huge impact 20, 30 years from now. You know, I actually place kicked in arena football.

I was a kicker. After I graduated playing soccer, I was a place kicker and long story short, how I got into it, but I actually played for a few years place kicking and I just love kicking field goals. And there was this one, this one thing that really, really struck to me as a financial advisor. When you’re doing your three steps back and you’re counting to line up a field goal, one little wrong lean. I’m not even talking an inch of a step. I’m talking about a lean. The way you hold your body when you approach and the way you take that first step if you don’t, if you don’t have your core set or you’re lean or we call it a drop off.

That drop off step is that first step. It has to be so perfect that when you actually go kick that ball, you got that lift, that beautiful NFL like lift that every football coach wants to see. It is just like a Rocket just comes off the ground. And the only way you get that is if you almost act like you’re falling before you kick the football. So it’s a. A very unique approach that a soccer player. It would take them. They will learn it instantly, but it would take probably. It took me two and a half years to deprogram yourself, because you’re not kicking a soccer ball, you’re kicking a football.

And it’s a totally different approach. It’s like a golf swing. Yeah, most hockey players are great at golf, but there’s a lot of bad habits that we pick up playing hockey compared to golf. And so it’s the same thing with retirement. One little inch, whether that’s saving another 1% a month, whether it’s utilizing a different parking spot, it makes a huge difference, guys, in the long run. And I. I didn’t want to have a very, very long podcast, but what I’m going to do, probably the next podcast, I’m going to bust out all the charts and tax calculators.

And I really don’t want to bore you to death, but I want to show you how powerful, how powerful it is to save in a 401k. And maybe, maybe you make a hundred grand a year and you save 5%. And so you save your 5%, or the company matches 5% and you’re saving up to 5%, because I only would recommend saving up to the company match, and that would be like $5,000. So $10,000 total goes in. And then you get compounding right with the stock market. It’s red money, it’s 401k money, and you’re excited because the market’s up 10%.

And then you’re like, well, Carlos, my 401k does very well. I don’t need a financial advisor. Okay, all right. Tell me how that treats you when you retire and the market’s going down. You know, many of you don’t even have a financial advisor. Maybe you’re afraid to even talk to one. Maybe you feel like you’re not good enough or you don’t have enough or it’s not even worthwhile. I want to get that out of your mindset. That is true for many financial advisors. But chances are you probably have a tax accountant or someone doing your books.

Maybe you’re a business owner just starting out. That’s when you need a financial advisor the most. And so one of the things that makes me different, again, I don’t want to be a sales rep. I don’t want to, like, Try to persuade you why you need to call me, because that’s not my aim here. My aim is to actually give you content and to show you that there’s a huge problem with the 401ks and where you save. And no one talks about this because it’s a huge thing. And then we can actually dial back to why it’s the way it is.

And why do I say you don’t own your 401k? A because you don’t. You legally do not own your 401k. Straight up, you don’t. And I’m gonna prove it to you. And I know that’s shocking for many and it’s shocking that when you go and put your money in the bank, you don’t even own that bank account. You have the rights to pull money out. And that’s why you are participants and not an account owner. And so if you have an FDIC, I don’t care if it’s Old Glory bank, your FDIC, you’ve been FDIC’d. You took the financial vaccine.

You don’t control the assets. The bank has the right to your money. They loan it out, they make their 7, 8%. It doesn’t matter if they cater to your political beliefs, it’s still a bank with FDIC lingos. So I, I want you guys to understand how deep this is, man. Like for real, your 401k IRAs are a little better, but it’s still the same deal. Same deal. 401ks are even worse because when you put your money into 401k, you’re not an account owner. You are considered a participant. What does a participant mean? You are participating in a government written contract.

Now you know I like contracts when it comes to your money, just not the governmental ones. But when you have a 401k, you put money into it. So they keep changing the rules. In the 401k, you can add up. If you’re younger than obviously 50 years old, you can contribute 23,500 in 2025. If you’re 50 to 59 years old, you can contribute 7, 500 bucks more to $31,000. So $31,000 is the most you can do. If you’re 50 years old, the government says we can allow you to catch up, so to speak. And if you’re 60 to 63, you’re looking at a catch up provision of $11,250 more, which is allows you to go to $34,750.

So they keep changing the rules I can’t even keep up with it. But you can look up max contribution. Now that sounds fine and dandy. Oh man, we can save up and then we’re going to get our company match up to 5% of our salary. Let me tell you essentially what you’ve done. So imagine you and I went to, I don’t know, a car dealer. Maybe you like, maybe you wanted a, a Chevy Silverado Limited. Or maybe you’re like me, you like the GMCs and you want a Denali. You want an AT4 already lifted, got a 2 or 3 inch lift on it, bigger wheels, awesome looking interior, and you just wanted to buy it.

And so you and I go shopping, we go to the GMC dealer and you like, man, I like this pearl white one with, with the gray leather. I like that one. I want to take that one home. The car salesman says, you know what, you can have it, here’s the keys. Just take it and you drive off. Or you can sit down and talk about it and negotiate and find out what the terms are. When you Invest in a 401k, guys, what you essentially done is you grab those keys and you drove off the parking lot with no terms.

Who would take that deal? Raise your hand. If you take that deal, just drive off said, all right, that’s essentially what you’ve done with your 401k. You bought into it, you saved into it, you got a company match. You don’t even know the rules. Typically, you know that, hey, if I make a hundred thousand dollars a year and I have a 5% match, I get free $5,000. Of course I’m gonna put $5,000 in. And you do that for 10, 15 plus years and now you got a million bucks in your 401k and you’re like, wow, I could retire.

I’m rich now. Are you? You don’t even know the terms. You drove off the lot with no terms, not knowing the terms. There are terms, you just don’t know what they are. So effectively what you’ve done, guys, is you said to the government, when your 401k, I got all this money in here and it’s called the defined contribution plan. And we’re going to break that down a little bit here and I’m going to show you the white paper on the erisa, which is owned by the government. And we’re going to talk about this because you guys need to know, you guys need to know what the dealio is.

So when you have the 401k, you are participating In a government written contract. When you pull that money out when you retire, if you get fired or after 59 and a half, simply put, all that money becomes ordinary income. Now that doesn’t mean anything to you right now. But when you take Social Security, guys, it is considered a welfare program. And we all know, we all know the taxation crap going on with Social Security. Social Security is going to be around for a long time. Why am I so confident? Because the people that are paying into it are the ones that are retired right now and they can’t figure it out.

They wonder why their taxes are going up. And the Bible says my people suffer from a lack of knowledge. So what happens is guys, is when you take Social Security they actually put, don’t even take my words for it. Let’s, let’s just pull it up right now when you take your 401k. Now keep this in mind. I know I’m on SSA.gov but I have a point. I want you to understand here. The reason why I brought this up is because this is how powerful this is. What I’m about to tell you is going to rock your view on everything retirement related.

It may even change certain views about your party. Maybe you’re a Democrat. Listen to this. I don’t know, maybe, maybe you have never been red pilled. I don’t know. Regardless, I’m just here to speak the truth. And this is facts. This is not hype, this is not hate. I’m not over here saying screw these people, death to everybody. No, that’s not me guys. I’m just here to show you facts. You can formulate your own opinion. You can read your own scriptures. You can be more Christlike. You can understand the battle is not financial, is not physical.

The battle is spiritual. And you can formulate your own opinion on how this works. However, I’m just here to tell you the facts. So the reason why I brought up you don’t own your 401k is because all of America invest their money in 401k. Pretty much that is the dream. The dream is to get a good paying job, go to school, get a good paying job. It used to be $40,000 a year is what the average makes. I don’t know what it is now. 45, 50,000. I don’t even know. I don’t even know. I could look it up but I would lose my chart here and I don’t want to do that because I lose my train of thought and I’ll go to another tangent.

So I know my weaknesses. So my point is, is that I’m on SSA gov for a reason. Now the reason is, is that when you invest in your 401k, you get your match, you build this wealth in it. You took the keys from the dealer. You don’t know the terms. And these are the terms, my friend, is that the government knows by the time you’re 62 years old, you’re going to want to start participating in another welfare program called Social Security. And some of you say, you know what, I want to take that money early because I don’t know if I’m gonna live long and Social Security is going to run out.

So I’m taking it right now. They are hoping that Social Security runs out. They are hoping that you believe that so that you take it early. And we’re going to talk about this. Furthermore, we got 33 trillion daggone freaking dollars in participant funds, 401k funds, y’. All. And they’re sending messages that by 2030, 2030, Social Security is going to run out. It’s not going to run out because people do not know this stuff. And it’s a freaking lie. It is a lie. Because what they want you to believe, Project Paperclip style, is that what the media says is happening, the media says 2030 is going to run out.

So let’s take it early. So, all right, we took it early at 62 and maybe you are 40, 50 years old, you’re not even worried about Social Security. But pay up, listen up, because you’re going to, you’re fixing to pay up if you don’t. And this is, this is some serious ish right here, man. Like when you have a 401k, the government actually counts as, as ordinary income. As if you are working a job. J O B. There’s no difference from pulling out your 401k and actually being half retired or semi retired and getting a job at Home Depot and you collect beer money every month or whatever, whatever small paycheck, you want to have fun or whatever it is because you’re retired.

Now, the government counts your 401k as ordinary income. Keep that in mind, come Social Security, you’re 62. You, you want to take it early because Social Security is running out of money. They con you to believe that. Now here’s the kicker. If that’s you, if that’s you, you want to take Social Security early, you are fixing to pay for it, baby doll. You are going to pay for it. Now we are on SSA.gov, how does the earnings test work, Carlos? Well, the retire let’s go to the ssd.gov and see what they say. The retirement earnings test applies only to people with normal retirement age.

NRA Social Security withholds benefits if your earnings exceed a certain level called a retirement earnings test exempt amount. And if you’re under NRA full retirement age. One of the two examples apply a lower amount in years before per NRA and higher amount the exempt was increased annually with increases with over national wage index. That’s a whole nother subject, guys. So what I’m going to say without losing you in real talk, if you are 62 to 66, for many of you, maybe 67, the government determines when you can retire. If you have a 401k or an IRA, this is why I say you don’t own it.

They actually want to dictate when you should retire. Says who? Says the government. This is a system that you bought into. You went to the GMC dealer, you got your Denali truck. You didn’t ask questions. You just assumed that they’re giving you a truck. Well, let’s talk about those details. So exam the exempts amount. So if you are under full retirement age for many of you it’s going to be under 67 any birthday after 1948. So all you got to do is you can basically do an Internet search of when is my FRA dates. Also a very easy way is you can look at your Social Security statement and it’ll tell you you have your FRA.

Your full retirement age is at 66 and like five months or six months or 67. Those are that’s the fastest way to find out your full retirement age. That’s if they have your right birthday. By the way, I know some people that the Social Security administration has a wrong birthday. It’s pretty hilarious. So what you got to understand and please, please share this, save this, screenshot it, whatever you want. In 2025, you can’t make over 23,400 while taking Social Security. So you want to take it early. Cool. But just know that amount over 23 400. Remember you’re signing up for welfare program.

You can’t make over 23, 400 or for every dollar, every dollar, I’m sorry, every $2 you make, they withhold $1 in benefits. Now if you’re over your full retirement age, you now get an increase of $62,160 and they withhold a $1 for every $3 in earnings. And here are all here all the earnings test, the historical since 2000 and look how it increases. Barely. You mean to tell me in 2005 the earnings test was 12,000 compared to 2025 is 23, 400. Guys, this is what we’re dealing with here. Oh, and by the way, the reason why I emphasize you don’t own your 401k is because the money that you pull from your 401k in your IRAs, except for a Roth 401k, a Roth IRA, all that money while you’re on Social Security.

And if you take it early because you feel that Social Security is running out, you’re going to be penalized 50%. I mean this is not hype, this is reality. So you tell me, do you really think Social Security is going to run out when they got $33 trillion in American hard working citizens money in account that they could tax 50%. This is how they paid for Covid bills. This is how they gave money out to Israel and Ukraine. This is how they gave billions. Because people don’t know this stuff. We got $33 trillion in retirement funds that you don’t own.

The government dictates because they know, they know you’re going to get financially gas chambered. The financial holocaust. That’s real. By the time you’re 60 plus years old, you’re going to want to take Social Security and definitely by age 70. So what I recommend is that you wait to your full retirement age so that you have a higher exempt amount if you have a 401k IRA. And I’m going to talk about like next week I’ll talk about how to, how to fix this. Like if you got a lot of money in 401ks, we can do a conversion to a tax free bucket utilizing section 7702.

Yes. It’s an insurance contract that bypasses probate that the government doesn’t have access to. And, and we can use a death benefit to actually help you convert your money over into you actually owning it. And you don’t even have to worry about fra. You don’t even have to worry about the rules. You don’t have the government telling you when you can retire, you can retire young, you can retire 55, you can retire whenever you want. And the money that you make is all tax free. Screw them man. And you take Social Security whenever you want. The, the pro.

The end result is amazing. It’s freedom. But I have to talk about this because this is pissing me off. Like this really ticks me off that all you Guys spend your whole lives working, working, working, working, and you’re saving in the wrong parking spot. And remember I said, just like in the football, kicking a field goal, if you lean a certain way, it’s going, it’s going to throw everything off. You’ll miss the field goal, you’ll miss the point of target if you don’t save into a right bucket, please. If you’re 40, 50 years old, you have plenty of time to fix this, to build wealth in a safe bucket that the government cannot touch.

And Even if you’re 50, 60 years old, there’s plenty of time to help you convert it. I have so many solutions, you just got to give us a call. But the fact of the matter is, is that you probably didn’t know that your 401k now counts towards the Social Security, which is booby trapped. So when you take Social Security, they put a limit on how much you can earn. And that earnings test is huge. It’s actually happening. It’s factual. These are all, these are all the stinking rates that they’ve, that they put a cap on you, the welfare rates.

You can’t make over this amount or you’ll be penalized 50 on the left column or you be penalized 33 on the right column. This is no joke, man. And my heart breaks because a lot of, a lot of Americans have blindly, blindly invested into the better good of their retirement and it’s false security. You went to the dealership and you grabbed keys. You didn’t even ask questions. Now the mafia owns you. It’s my job to shed light into this and to fix this problematic crisis that we have. And all you got to do is just give us a call.

813-448-3446. We want to make sure that when you retire, your funds are there and that when you take Social Security, you’re not losing all your money, your hard earned money to taxation. There’s also another trap, and it’s the death trap. When you die, they get all the money anyway. If you don’t make changes now, and I know and, and what that looks like is a secure act. The secure act has changed a few times. And now it used to be when you pass away and you have an Iraq, you can give it to your spouse. Cool.

Spouse gets it tax free and commingle it with, with the spouse’s ira, no problem. All good. However, what happens is, is that when the spouse dies, the second spouse, and you give it to your kids, they have to take all that money that you invested that you have, and now they have to spread it out over five or 10 years. And if you had a million dollars and you gotta take a hundred grand out for the next 10 years as if you’re alive, you just screwed up their whole tax setup. And they have, they have W2, their W2s, whatever.

They’re in a whole nother bracket. So you basically lost all your money to a 40% tax bracket. There’s no step up in basis on that. Qualified IRA funds, real estate, yes, but not with qualified IRAs. So they’re going to get it if you don’t take care of your conversion anyway. And many of you don’t want to be a burden to your kids, and I totally get that many of you want to set up your kids for success. There’s so many solutions that we have. Like you could put $20,000 away today, $25,000 away, and they could have literally two and a half million dollars by the time they’re 65 years old.

They don’t even have to worry about this garbage. They don’t have to worry about Social Security. They can take it at 70 and say, screw the IRS. Screw them. I don’t need your, your welfare program. That’s my goal. If you’re in your 40s, if you call me now, we’re going to put you on a plan where you don’t even have to worry about Social Security. That’s how confident I am about building wealth long term. All you gotta do is give us call 813-448-3446 or visit us@cortezwm.com you need to avoid this crazy trap that’s out right now.

Many of you are receiving inheritance from God knows where, parents, grandparents. Like the millennial market is going to be the wealthiest generation in the world. You guys are getting literally trillions of dollars. And you need to not have your dad’s cookie cutter advisor. You need to have an advisor that thinks like you do, that understands everything like you do, and that believes with you spiritually, politically, academically, and now medically. And that’s, that’s why I built this platform for so long, is because I’m true to my word and I want to just basically speak the facts. The facts of the matter is, is that you’re going to be taxed like crazy in the 401ks and the IRAs.

Now, I have many clients with IRAs. And the cool part about what we do is that we can guarantee those IRAs, because if you lose money in an IRA, you can never write it off. So the best thing for you is to protect your IRA. And that looks different for someone that’s, you know, 50, 60 years old, that really needs the money so they can pull it out and have an income. But for if you’re younger and you got 20 plus years and to build wealth, yeah, you need to find the right parking spot. And so that, that basically is the whole, the whole aim about this podcast is that the government has all these booby traps that we.

No one even talks about. We talk about the P. Diddy list, the Epstein list, these wars, the Jews, blah, blah, blah. Meanwhile, they’re making laws on how to take your money. They’re making laws on acts, the genius act, the Clarity act, the Digital Asset Act. I mean, there’s so many like acts that you don’t even know what’s going on. They’re setting the re infrastructure of the track tracer control agenda. It doesn’t matter who’s in office. Everybody, everybody has an aim. We all respond to one God because at the end of the day, we understand as followers of Christ that every knee will bow and every tongue shall confess that Jesus Christ is Lord.

And the Word says that we suffer not from flesh and blood, but are rulers of darkness, just like priests in high wicked places. And you can see that here, like, how evil is this? How evil is it that you thought by saving in a 401k was going to build your retirement? It’s disgusting, man. Like, what evil sack of crap would set this up? That’s for you to decide. I am not here to promote hate. I am not here to promote hate. That is not me. I know what networks I’m on, but I’m a different person. Guys, this is my channel.

We speak truth and there’s hope. There’s hope, there’s solutions. And Jesus, when he died on Calvary, when he died on Calvary, those people murdered him. He was a perfect man fighting for imperfect world. And they killed a perfect man because they didn’t believe in him. They didn’t know John 3:16, but they ripped his skin off his back. They whipped him. They put the crown of thorns, sun dried wooden grapevine thorns on his head, penetrate his skull. You literally had to walk over him to deny him through his puddle of blood. That any man would have died carrying that cross after being whipped to death, had the nine inch nails driven into his wrist and his feet dying on the cross.

He said, forgive them, Father, for they know not what they do. And we’re supposed to Be Christ. Like, there is no hate in that. That’s one of the hardest things for me, is to love your neighbor. It’s one of the hardest scriptures. And to love your wife like Christ loved the church. Those are two. Two hardest things. But God also says that he who finds a wife finds a good thing. Because you know why? You constantly have to work on yourself. You constantly have to work on yourself. And God knew that. God knew that was a battle.

So I’m constantly working on myself, constantly asking my wife for feedback. I’m constantly asking my kids for feedback. I’m constantly asking God to show me my weaknesses and my blind spots. I’m constantly seeking his face, even though I am a sinner, even though I’m not perfect. And what it does, it actually makes you a better person, like an actual legit human being. And so that’s my aim for you, is we may not have all the finances figured out, and that’s okay. But if our heart is right, Matthew 6:21 says, for where your treasure is, there your heart will be also.

So if your treasure is seeking God’s face, your heart will be there. If your treasure is helping people and being an impact to influence them, to show them that you are significant, your treasure will be there as well. You will get that significance back. And I truly believe that if you have hate in your heart, you will not inherit the kingdom of God. And it’s a hard pill to swallow because it’s easy. It’s easy to hate. It’s easy to be angry. It’s easy to rage, for me, at least. But our example is not the podcasters. It’s not what anyone says.

Our examples is Christ himself and what he do on that cross. Did he drop death bombs at them? Did he curse at them? No, he didn’t. He said, forgive them, Father, for they not know what they do. And that is the strength and the grace that I worship. That is the heart that I worship. And it’s tough because Christ says we’re supposed to love our wives. As Christ loved the church. I almost want to say, no freaking way I can do that. But he has commanded us. He knows we can’t do that. But he also says that we can do all things.

He also gives us a roadmap. And this is why he says, he who finds a wife finds a good thing. It’s so deep, man. Like, this stuff is so deep, and I love it. But I encourage you folks to get in line with yourself, not just financially, but this is why I say money is spiritual. There’s a spiritual element to your money, that you are responsible for your own happiness. You are responsible for everything in your life. Yeah, you may have not gotten a perfect credit score when you’re born, or maybe you didn’t have a trust fund, or maybe your parents were split up.

Maybe you’re black or Hispanic or minority and you didn’t grow up in a white neighborhood that had better chances to get into school. Maybe your skin color is off. Maybe you’re like me. You’re Latino. On Wall street, that said, hey, I. You know, you’re a freaking spic. You’re not going to be able to manage people’s money. Like, that’s what I’ve been told. Maybe you’re like me. Maybe you’re. You grew up poor, but you are responsible for your own happiness. And at 42 years old, my whole 30s, I don’t remember one time I was happy other than marrying my wife the first day and having my firstborn.

Like, if I’m being real, I was scared shitless about being a dad because I was too immature. I wasn’t financially ready. I still had all these issues. Come to find out, it was just validation. I lied and said it was lust. I lied, said it was gambling. I lied and said it was drinking. I lied and said it was, you know, coveting. And what it really was is I wanted to be validated. I dug deep into my heart. The only one that can validate me is not my wife. It’s not my best friend. It’s not women.

It’s not beautiful women, it’s not Instagram models, it’s not people in a church. It’s not your pastor, it’s not your teammates, it’s not your former high school mates, it’s not your neighbors. It’s not your followers on Facebook or Rumble. The only one that can validate you is the one that made you in his image, and that is Jesus Christ, the Lord, Elohim, the Messiah, Yahweh. And if we don’t get our validation from the cross, you’ll never, ever, ever be validated. And you’ll continue to fall in these traps that the stupid enemy puts in your way. And one of those traps he knows he can get you is financial in retirement.

And I’m just here fighting, getting threats, saying I’m a scam artist. This guy’s an idiot. He’s a spic Jew. I mean, it’s all over the Internet. Like, people call me all these crazy things, accuse me of whatever, and they don’t even know me personally, they pull up past stuff that has nothing to do with current stuff. I I can’t make this stuff up man. I really can’t. You have the clarity bill, you have the genius bill, you have the stable coin bill. All these bills are there to change the financial landscape of what is about to come.

What are you doing right now to protect your money, your retirement from all these CBDC like systems that is already track, tracing and controlling you even more so with the AI revolution that we’re in right now. We’ve been talking about this for so long now and we are effectively helping clients protect their money, secure their retirement, get out of red money, support your values, support America and not this PBDC system they master that ESG they mastered as dei, they mastered as all these things but at the end of the day it’s all about tractor control. Been a financial advisor for 20 years now we know what we’re doing and we want to help God fear and provide patriots secure their retirement.

God Bless. Click the link below if you would like to have a conversation. The one I want to get to is 1st John 3:15 everyone who hates his brother is a murderer. And you know that no murderer has eternal life abiding in him. Proverbs 10:12 Hatred stirs up strife, but loves covers all offenses. The fear of the Lord is to hate evil. Pride and arrogance and the evil way and the perverted mouth I hate is what God says. Proverbs 8:13 he basically says, the perverted mouth I hate. Like God says, I hate the perverted mouth. Oh, you who love the Lord, hate evil.

He preserves the lives of the saints, he delivers them from the hand of the wicked. Romans 12:9 Let love be genuine. Abhor what is evil, hold fast to what is good. And the verse, that’s very tough for me, Matthew 5:44 but I I say to you, love your enemies and pray for those who persecute you. But I say to you, who here love your enemies, do good to those who hate you. Bless those who curse you, pray for those who abuse you. Romans 12:17 instruct believers not to repay evil for evil, but to overcome evil with good.

Where are we doing all of this? How are we supposed to have hate in our hearts and ask God to bless our retirement, to bless our finances, to bless our home, to do God’s work when we can’t even follow freaking scriptures like don’t be that idiot, we need to come back to Jesus. We need to have repentance on our knees. We need to understand that Jesus died by the Jews and the Romans and he still freaking loved them. It’s that simple. It’s not popular. I get it. I get it. It’s always easy to point the finger like a weak man and a weak woman.

It’s always easy to do that. But you are responsible for your own happiness. You are responsible for your own situation. You don’t have money in the bank. You don’t have your wife. You don’t have your kids. You don’t have a home. You’re responsible for it. Like, there’s a lot of stuff that life throws at you. And I know you probably listen to the podcast about your 401k, but it’s deeper than that. Is deeper. It is because you need an alignment with Christ, because God himself says that I will take care of you. If you’re not taking care of your relationship with him, he’s not going to bless you.

I’m tired of this cookie cutter, passive Joel Osteen, gummy bear message. Oh, God loves you. God wants the best for you. God does this. He just wants you to smile, hug everyone, and everything’s gonna be okay. Send me a hundred thousand dollars and don’t worry, I’ll kick you out in the next harp flood in my church. That’s not it, man. He still wants us to work diligently. He says he will bless our hands, the worker. Like, we need to reap what we sow. We need to keep on sowing. And if we sow by pointing the finger and placing the blame on someone else or a certain ethnicity, it’s not Christlike, man.

You’ll never inherit anything. We have to set our position, our circumstances, and know that the only way out of our circumstances is Christ the Lord himself, and working on ourselves and doing things diligently and taking responsibility. I know I’m a financial advisor and this is more life coaching, but it all goes hand in hand. It all goes hand in hand. You will have a blessed retirement. If you seek God’s face, you will have a healthy body. If you seek God’s face, you will have a healthy marriage. If you seek God’s face, you will become wealthy. If you seek God’s face, you will be light and salt.

You will be prosperous because you are the son of a God that has infinite resources. But all we have to do, guys, is seek our face. Get smarter. Get off the couch. Don’t assume. Don’t assume. Don’t take. Don’t take the truck from the GMC and not ask questions. Be smart, guys. So next Podcast. I want to really just talk about an aim, about having the math behind all this. I’m going to show you some tools on how to get out of these crazy IRAs and 401ks that you got smuckered into. I’ll write that down so I won’t forget.

I’m working on some calculators so you can actually go in and actually see how much you owe in taxes on your 401k on your Iraq so that you’re not blind going into retirement. If you’re 40, 50 or even 60 years old, I don’t want you getting smacked in the face. And for those of you that are trying to do the whole walk away from taxation deal, I get it, you don’t want to pay taxes and it is 100% legal. But do know, do know that when you walk away from the taxes legally, you can never use a bank, you can never get a loan to buy mortgage for your kids.

You can never literally buy a car. You better have millions of dollars where you don’t need your own financing. I hope to get there one day, don’t get me wrong. But you better know what you’re doing and you better know for me personally, I think it’s smarter to hire a cpa, get me at a very low tax bracket, utilize all the tax code and be on a good boy list and pay a little bit of taxes. I’m okay with that. And have access to debt, have access to loans and things I can use to grow money than to not have anything on paper and use my own money.

I like using other people’s money to buy real estate or to buy other businesses, whatever it is. So food for thought. Anyways, I hope this was motivation for you. I hope this was inspiring or red pill, whatever you want to call it. I hope that it landed with you as it did for me. It’s Sunday and I get it. But we need to make changes guys, in our hearts. It starts with our hearts. Then we can work on our retirement and we can work on other pillars in our lives, our faith, our family, our fitness and our finance.

Speaking of fitness, I don’t know if you guys done this yet, but these things are pretty cool. They’re like blood cleans and it’s a spray. You go under your tongue four times, three times a day and what it basically does, it cleans out all the pesticides in your blood. I’m hearing reports that people are walking away from diabetes, skin, skin diseases that never knew existed. The blood panels, triglycerides, are coming down. It’s just cleaning out your blood from all the microplastics that we’ve endured through the underwear that we wear, the things that we eat, the coffee cups that we drink, the nasty detergents that we put on our clothes from the air that we breathe from the chemtrails.

I mean so much junk gets into your bloodstream, it’s disgusting. Well, having the ability to, to clean it is huge. So go to fixthebloodusa.com get you a small bottle. They’re like 88 bucks a month. You can cancel anytime subscription or you can do what I did was I ordered I believe four of them, four months worth and I think it’s like $688. Honestly, I do it because I care about you and I believe in this product. I know that it’s helping a lot of people. So just get you some, it’s worth it. And also don’t forget to book your appointment with us.

You can go to Cortez wm.com you can call us directly. 813-448-3446. We’re located in Florida and we service pretty much all the states. So yeah, give us a call during business hours, market hours, and we’ll help you. God bless guys. I’m out of here and we’ll talk soon. Bye bye. You have the clarity bill, you have the genius bill, you have the stable coin bill. All these bills are there to change the financial landscape of what is about to come. What are you doing right now to protect your money, your retirement from all these CBDC like systems that is already track tracing and controlling you even more so with the AI revolution that we’re in right now.

We’ve been talking about this for so long, for so long now. And we are effectively helping clients protect their money, secure their retirement. Get out of red money, support your values, support America. And not this PBDC system they master, that ESG they mastered as dei, they mastered as all these things but at the end of day it’s all about tractation control. Been a financial advisor for 20 years now. We know what we’re doing and we want to help God fearing patriots secure their retirement. God bless. Click the link below if you would like to have a conversation.
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