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On May 15th, the United States got a new leader at the Federal Reserve Bank as we're facing a $39 trillion debt crisis. And now the question every investor wants to know is, will the new Fed listen to Trump and cut interest rates or are they going to keep interest rates high? But instead of trying to guess what's going to come next, I want to take a look at history because we've seen similar patterns play out in history before. And while history doesn't exactly repeat itself, it does ride. And the last time we saw the Fed face a debt problem like this before, we saw certain assets go up by more than 1,600%. And the question is, is that going to happen again? And that's why in this video, I want to show you what the
Federal Reserve Bank has done in the past when they faced debt problems and which assets won as a result. That way, you can be better positioned to win in the future. Not just to protect your money, but to find investment opportunities that can grow your wealth even faster. So, make sure you stick with me until the end. And because of all the changes happening in the economy right now, I'm hosting a live free and virtual investor workshop on June 16th at 12:00 PM Eastern time noon where I'm going to be going over number one, how the economy is changing, and number two, how you can build wealth through these changes in the economy. That way, you can build wealth outside of just your
401k, outside of just your house. Because when you have all these changes happening with money, all these changes happening in our government, all these changes happening with AI and technologies, all of these create panic, but they also create opportunities. And some people are going to become incredibly wealthy because of them. And on June 16th, I'm going to be showing you my firm's research as to where money is moving and how it can create better investment opportunities for you. It's a free workshop and it's live, but you do have to register to reserve your spot because our software has a limited number of people that can actually join us live. And in the past, when I've done
these live workshops, we've hit capacity every single time. And as an added bonus, when you sign up for the investor workshop, you're also going to get market briefs, which is my newsletter for investors completely free. It's read by hundreds of thousands of investors every morning. And when you show up live on my investor workshop on June 16th at 12:00 p.m. Eastern time, noon, you're also going to get a free digital copy of my company's new book, How Money Changed Forever. But to actually get a digital copy of this book, you have to actually show up live on June 16th at 12:00 p.m. Eastern time, noon. So, if you're an investor, I invite you to join me for a live investor workshop on June 16th. If
you have not registered yet, again, I have that link for you down in the description below. We have seen three major Federal Reserve bank cycles in the last 50 years. We saw it happen in the late 1970s after the stagflation crisis. We saw it happen in the 2008 great financial crisis when the housing market collapsed. Then we saw it happen again in 2020 when the pandemic hit. And now the question is, will we see it happen again in 2026 because of the debt crisis that we're facing today? Because we have over $39 trillion worth of national debt. The reason why this matters is because in each one of these three Federal Reserve Bank cycles, some people became incredibly rich because of what
the Federal Reserve Bank did. I'll show you. In the late 1970s, in response to the stagflation and inflation crisis, the Federal Reserve Bank raised interest rates. They hiked interest rates aggressively all the way up to around 20% because inflation was a big problem. As a result, over the next 5 years, the cumulative inflation was around 52% because remember, we were facing an inflation crisis, while wages over those same five years grew by around 36%. Which means the average person who was working a job became poorer because your salary bought you less stuff. Well, this is where things really start to get interesting when you take a look at asset prices over those same 5 years.
Because what we saw is that the stock market grew by around 54%. Which means yes, it beat inflation, although not by that much. Real estate prices did not keep up with inflation. Gold prices actually stayed flat. These 5 years were some of the most volatile prices for gold in the history of time because first gold prices skyrocketed because of concerns about inflation and then gold prices came back down to where they were before. So it was a very volatile time for gold. Well, Bitcoin did not exist during this Federal Reserve Bank cycle of raising interest rates. The people that became wealthier were actually the people that were holding on to cash and the ones that were holding on to bonds.
These were people that were earning 15% a year in interest on their money. And you were able to beat inflation by holding on to these long-term bonds because interest rates kept going up. And those were the people that became wealthier. But now take a look at what happened as we got into 2008. The housing market was collapsing, the economy was falling, and the Federal Reserve Bank then started to cut interest rates and print money to stimulate the economy. As a result, then what we saw over the next 5 years was that inflation came in at a cumulative approximately 11% according to the government numbers. Now, you have to take a look at wage growth relative to inflation to see what does that price
growth actually mean. And the medium income in America grew by a little bit under 7%. Which means again the average person who is relying on a salary became poorer because their wages did not keep up with the price growth of things. But now we have to compare this inflation relative to the prices of different assets. Over those same 5 years we saw the stock market, specifically the S&P 500 grow by around 200%. We saw real estate prices grow by around 50%. gold prices grew by around 70% and Bitcoin did not exist yet. Which means now the person that became wealthier was not the person holding on to cash. It was not the person holding on to bonds or lending money to the United States
government. It was the asset owners. People that own stocks became incredibly wealthy. Real estate investors became wealthier. Gold owners became wealthier while the person that was just working for their paycheck became slowly poorer. But this is where things really start to get interesting. When we take a look at what the Federal Reserve Bank did in 2020 and we can compare all this data now to what might be coming in 2026 because we have a new chairman who is leading the Federal Reserve Bank. Now in 2020 the pandemic hit the economy shut down and now the Federal Reserve Bank cut interest rates to the lowest levels that we have seen in modern history and they started printing money as a way to
start stimulating the economy again. We all remember what happened in 2020, right? Well, as a result, we saw inflation shoot up again. Cumulative inflation was right around 25% between the years 2020 to 2025, according to the government numbers. I keep saying according to the government numbers because many times people felt a real inflation rate higher than what the government reported, but I'm going to stick with the government numbers here. While at the same time, the median income in America also rose, but only by around 20%. So you can start to see a pattern here that whether the Federal Reserve Bank hikes interest rates or cut interest rates, we have seen that incomes, median incomes have not kept up
with the price growth of things. Which means again the average person relying on a salary has become poorer. Why? Because your salary buys you less stuff. And this is according to the government inflation numbers. The real inflation numbers are often times a whole lot higher. But to really compare apples to apples, we have to take a look at what happened to asset prices. Because now in the 5 years following the pandemic and this Federal Reserve Bank cutting cycle, what we saw is that the stock market, specifically the S&P 500, boomed by around 160%. While at the same time, real estate prices boomed by around 45%. While at the same time, gold prices boomed by around 125%. While at the same time,
Bitcoin prices shot up by 1,600%. Now, I want to talk about Bitcoin specifically just for a second because what happens when you start to see interest rates come down and more money get printed by the Federal Reserve Bank is when there's more money out there, people can make more speculative investments. Why? Because when interest rates are lower, every investor, an investment institution, an investing bank in the world says, "Oh, I can borrow money for 1 2 3 or 4%." That means I only need to get a 5, 6, 7, or 8% return on my money for it to be a justified investment. And so now all of a sudden, everybody on Wall Street has these huge piles of cash because the government is just giving away money and interest rates are the lowest rates
ever. And all these institutions say, "We need a place to invest this money because we want to take on as much debt as possible because it's essentially free money." And so now you start to see the rise of speculative investing. We saw venture capital firms make so much money because they were just pumping money into speculative assets. Valuations started to skyrocket because now so much money is going in and this is one of the things that helped fueled the rise of Bitcoin. Not to mention the Trump administration also came in and talked a lot about how they wanted to improve Bitcoin and make Bitcoin better. But what we saw happen was all this new money came in and people wanted a place
to put it and Bitcoin seemed like an excellent source because number one it had that speculative nature a lot of upside potential. Not to mention it gave people this protection against this hyperinflation and the value of the dollar crashing. And so Bitcoin then saw new record highs. They went from around $7,000 a coin back in the early part of 2020 up to its peak of well over $100,000 a coin as all this money was being created and people wanted a place to store it. So what we saw happen here was again the Federal Reserve Bank cut interest rates and we saw the asset owners really get a windfall here because not only did stocks, real estate and gold rise, but we saw speculative
assets, not just Bitcoin, but you can start to take a look at other speculative assets across markets. They boomed because as interest rates went down, valuations and speculative investments went up. And now the question that everybody's wondering is what's going to come next because as of May 15th, 2026, we have a new leader at the Federal Reserve Bank, Kevin Worsh, and he is appointed by President Trump. President Trump says that he wants lower interest rates. President Trump said that he's not going to appoint anybody who does not want lower interest rates. So on one hand, President Trump and a lot of the media says we're going to see
lower interest rates because Trump wants lower interest rates. But then Kevin Worsh, the new chairman says, "I don't know if we're going to give lower interest rates because inflation is a problem." Why does that matter? Because generally you lower interest rates when inflation is not a problem. Lower interest rates make inflation worse. That's why in the late 1970s when we were facing the inflation crisis, the Federal Reserve Bank had to raise interest rates to try to bring inflation lower. So you lower interest rates to boost the economy, which makes inflation worse. And you raise interest rates to fight inflation, but that makes the economy worse. And now today in 2026, we're facing both problems. We have
economic problems. We're seeing the economy slow down. We're seeing our national debt problem. And we also have an inflation problem. Inflation is going up because of higher oil prices, because of the conflict in the Middle East, and because of all the government spending that we're doing. So, let me diagram the problem that we're seeing in our economy today, which we haven't really seen in about a hundred years. Right now, our national debt is about $39 trillion. This means the government has spent $39 trillion that we don't have. Well, at the same time, in the beginning of 2026, our economy was $31.9 trillion large, which means our economy is about $32 trillion large, which means
now we have a debt to GDP ratio of about $122%. Why does that matter? Well, think of it this way. When you go to get a loan to buy a house, most banks are going to ask you to put down a down payment of what? 5%, 10%, 20%. The reason why is the bank doesn't want to give you a 100% loan. That's why the bank wants you to put down 20%. That way, the bank can finance the other 80%. That is a 80% loantoval mortgage. Right now, we have a 122% debt to GDP, which means the United States government is underwater on our debt. And to put this in perspective, the last time we saw our debt to GDP numbers anywhere near this high was after World War II around the mid1 1940s. And the
reason why we're facing it today is the aftermath of the pandemic. And now the question is what is the Federal Reserve Bank going to do? Because this decision by the Federal Reserve Bank to help solve this problem is going to make some people incredibly wealthy. And the question we don't know is what is the Federal Reserve Bank going to do? What we know is that certain decisions are going to make certain people wealthy. When the Federal Reserve Bank raises interest rates, that is good for people that are holding on to cash because when the Federal Reserve Bank is raising interest rates, well, now your high savings accounts pay higher interest rates. Now those bonds by the government
are paying higher interest rates. When the Federal Reserve Bank lowers interest rates, then we generally see speculative assets go up as well. Now this does not mean that these traditional assets the stock market real estate specifically these two don't benefit when interest rates go up. What we have seen is that generally whether interest rates are going up or down stocks and real estate do well for the long run period. But then when you enter periods of the Federal Reserve Bank raising interest rates, people generally want safer investments because when the Federal Reserve Bank is raising interest rates, those speculative investments start to struggle because you can't go out and
raise as much money. When the Federal Reserve Bank is cutting interest rates, now there's more money floating around out there. There's more investments being made and that's when speculative investments have the ability to boom even more. And this is where everybody has an opinion on what's going to come next. But we're not going to know until June 16th and June 17th because that's when the Federal Reserve Bank is going to host their next meeting and that's when Kevin Wars is going to give his first actual statement as a chairman as the Federal Reserve Bank as to what he wants to do next. Which is one of the reasons why on June 16th I'm hosting my live investor workshop. Which is why
again if you haven't registered for it yet, I invite you to register. I have that link for you down in the description. But again, this is where everybody has an opinion because on one hand, people are saying that President Trump has got his pick and he's got the guy that is going to want to lower interest rates while Kevin Worsh is now saying, "I'm not going to be a sock puppet for President Trump. I'm going to do what I think is right." Now, before I go over specific investment ideas, I want to remind you that when it comes to actually making decisions as to what the Federal Reserve Bank is going to do, whether it's cutting interest rates or hiking interest rates, the Federal
Reserve Bank cannot just make a one-person vote. It has to be a majority vote and there are 12 voting members inside of the Federal Reserve Bank. So Kevin Walsh is now one of those voting members and in order for him to actually make a decision to cut interest rates or hike interest rates, he must have at least seven votes total. The reason why that matters today is because we also have the most divisive Federal Reserve Bank that we have seen in modern history where we're seeing more and more people in the Federal Reserve Bank giving dissenting opinions. Meaning some people are saying hey we want to keep interest rates the same and others are saying no we should cut interest rates. Others are
saying no we need to raise interest rates. We don't normally see that happen at the Federal Reserve Bank, but it's happening more and more now, which is why this new chairman at the Federal Reserve Bank is so important because he might be able to sway the Federal Reserve Bank one way or the other. And we don't know which way it's going to go, but we know that depending on which way the Federal Reserve Bank goes, it's going to make certain people wealthier. And that's what you want to understand. So, now that you understand this, let me go over specific investment ideas. That way you can understand different ways that you can play what the Federal Reserve Bank might do. Now, I can't tell
you what to invest in because I'm not a financial adviser. I'm just a random guy on YouTube. Investing has risks. You were never guaranteed to make money when you invest. In fact, you will lose money at some point. So, make sure you always your own due diligence and never blindly trust a random guy on YouTube. Example number one is investing your money into the broad economy. Again, what we've seen is that generally investing your money into the stock market for the long term, especially if it's a broad index, has been proven to win whether we are hiking rates or cutting rates. Now, there's a few different ways that you can go about investing in the broad market. One is investing in the S&P 500.
That's a group of the 500 largest companies in the stock market. That's what I was talking about here. Now, there are funds that will give you exposure to the S&P 500. One of them is VO. As a disclosure, I am personally invested in V. That's just one example of a fund that's going to give you exposure to the 500 largest companies in the stock market. Another example is investing your money into VTI. This is an ETF. Again, a fund that's going to give you exposure to the total United States stock market. This is the 2000 some companies in the stock market. So now, if the stock market is going up, well, you're going to see your fund go up. If the stock market is going down, well then the fund would go down. Or if
you want to get slightly more niche but still broad, then you can invest in something like the NASDAQ 100. This is a group of the 100 largest companies in the stock market that are not financial. So today that's primarily tech companies, a lot of these AI companies. Now, the thing you want to understand about this is when you get more to the tech side, there's a lot more speculative nature in the NASDAQ 100, which means when markets are going up, this fund is generally going up even higher. When markets are going down, this falls even harder. So over the last number of decades, we've seen the NASDAQ 100 actually beat the S&P 500. But when market crashes happened like we saw happen in 2020, like we saw happen in
2008, this NASDAQ 100 gets hit even harder. So you have to understand that with the NASDAQ 100, it comes with more volatility. Then example number two for asset classes that generally does well regardless of what the Federal Reserve Bank is doing assuming you're holding on to it for the long term is real estate. Now when I talk about real estate generally I like talking about buying the physical real estate. This is rental properties whether it is a residential building whether it's a commercial building that you're buying to rent out to other people. But I get it. Buying real estate is expensive. It's timeconuming. It's hard. It's not for everybody. The alternative if you don't
want to buy the physical property would be to go out and invest in real estate into the stock market. And there are funds called REITs, real estate investment trust, REITs, that will give you exposure to these types of rental properties. Now, the advantage with REITs is that they have to follow something called the 90% rule, which essentially means that these real estate companies have to take 90% of their profits, their taxable income, and then they have to give it to you in the form of a dividend. So these REITs generally pay out stronger dividends because they're required to pay out a lot of their income in the form of dividends. So if you wanted to get exposure to
these REITs in a very broad sense, one fund, an ETF that will give you exposure to these types of REITs is VNQ. This is created by Vanguard that's going to give you broad exposure to the real estate market in the United States. Now just understand there are many different types of REITs out there. You can invest in REITs that are going to give you exposure to single family houses. You can invest in REITs that will give you exposure to multif family or just residential housing in general. You can invest in REITs for office buildings. You can invest in REITs for other commercial buildings. There are many different types of REITs. This is just a broad real estate REIT as an example.
Then we have category number three, more of the speculative investments. These are the types of investments that generally will do even better when interest rates get cut. Why? Because again, when interest rates go down, you tend to have more money floating around out there. institutions will go out and borrow more money and put more money into these speculative investments which allow for more growth in these speculative investments. There's a number of different ways to play this. We talked about Bitcoin today. Again, I'm not going to go into whether Bitcoin is a good or bad investment in this video, but you can go and buy the actual Bitcoin. If you don't like the idea of
buying the actual Bitcoin, then you can buy exposure to Bitcoin on the stock market, kind of like how you can buy exposure to real estate in the stock market. Personally, I like buying the actual asset. That's the actual real estate or the actual Bitcoin. But if you wanted exposure to Bitcoin through the stock market, there are funds like IBIT that can give you exposure to that Bitcoin. You can invest in other growth types of funds. One example of a growth fund ETF on the stock market would be something like VUG, giving you more exposure to the growth types of companies. These are the smaller companies on the stock market that are trying to see more growth. Or another example of more of a speculated type of
fund would be something like ARC K. ARK. This is headed by Kathy Wood. Again, this fund did extremely well when interest rates were cut. Then, as interest rates started to go up, this fund got hammered. Why? Because these types of speculative investments do better when interest rates are going down. And they don't do as good because valuations get hurt as interest rates go up. Or maybe you say, Jos, I think inflation is going to be a much bigger problem. I think we're just getting started with inflation because of oil prices and this and that. Well, there are funds that can give you exposure to TIPS, Treasury inflation protected securities. What that means is you're making a loan essentially to the United
States government, but now the interest rate that you're going to get paid is going to change based off of where inflation is. So, if inflation is going up, the interest that you get goes higher. If inflation rates go down, well, then the amount of money you're going to make goes down as well. Now, again, you can buy these tips directly from the government. A TIP again is a Treasury inflation protected security. You can buy these straight from the government or if you want to do it through the stock market, there are funds out there like SCHP which will give you exposure to these types of inflation protected income investments. And going handinhand with
that would be something like gold. Now gold is an interesting investment. I don't like to think of it like an investment. I like to think of it as an alternative way of saving hard money because when you buy gold, it doesn't actually do anything. It just sits there and looks back at you. It's not working to produce value. If you invest in the Amazon stock, well, the Amazon company is working to produce a product. It's working to produce profits. If you invest in a rental property, it's working to produce value. The gold is just sitting there and it's looking back at you. It's not doing anything. When people buy gold, they buy it as a hedge against inflation because they're
worried about the dollar. Now, the thing that I want you to understand about gold is you can take a look at this chart of gold prices right here. And what you'll see is that when people are concerned about inflation, like when the 2008 crash happened, money printing was happening, interest rates were cut and people were worried about inflation and gold prices skyrocketed between 2008 all the way up to 2012. In 2012, it became clear that hyperinflation was not happening and then gold prices crashed and they stayed low all the way until 2020. And then in 2020 when the money printer was turned back on with the pandemic and interest rates are cut, gold prices skyrocketed and they've been
going up since then because the money printer hasn't stopped because concerns about inflation haven't stopped. And so the thing you want to understand about gold is traditionally it's a hedge against inflation. It's a hedge against something bad. And when people are not worried about bad things happening, gold prices generally don't go up that much. It's not normal to see gold prices outpace the stock market. So if you want to invest in gold again there's a couple ways to do that. You can go out and buy the physical gold itself which is buying the actual asset or again you can go and get exposure to gold to the stock market through a fund something like GLD. So what we talked about in this video is
that we have a new chairman at the Federal Reserve Bank a new head at the Federal Reserve Bank a guy by the name of Kevin Worsh who started on May 15th. Now the reason why this matters is because over the last 50 years we have seen three very special Federal Reserve Bank cycles which made some people incredibly wealthy while most others just watched it happen. We saw it happen in the late 1970s after the stagflation crisis when the Federal Reserve Bank hiked interest rates aggressively. The reason why they did that was to bring inflation down. And what we saw was that over the next 5 years cumulative
inflation was at 52%. It would have been even higher if the Federal Reserve Bank did not hike interest rates. At the same time, we saw wages grow by only around 36% while the S&P 500 grew by 54%, real estate 36%, gold stayed flat, Bitcoin did not exist. So, what we saw as a common theme was that incomes did not keep up with inflation. The average person became poorer while certain asset owners became wealthier. And in this instance, it was specifically the people that were lending money to the government, buying the bonds, the cash holders because interest rates went up so much. Then if we take a look at the 2008 crash when the housing market collapsed and the whole banking sector was on the verge of crumbling, the
Federal Reserve Bank cut interest rates and print a lot of money. And what we saw was that cumulative inflation was around 11% while wages only grew by 7%. Again, the average person became poor, but the stock market boomed, real estate boomed, gold prices boomed, Bitcoin did not exist. Fast forward to the pandemic, 2020. We saw again interest rates get cut. We saw again money printing happen. But now we saw inflation start to become a much bigger problem while again wages did not keep up. The average person became poorer again while the stock market boomed, real estate prices boomed, gold prices boomed, and Bitcoin
prices exploded. Why? Because what we saw is that generally when interest rates go down, speculative investments start to really explode because as there's more money out there, investors and institutions need a place to put it and they start to make more speculative investments. Now the question is what's going to be coming in 2026 as we're facing a new crisis. The new crisis in 2026 is the debt crisis. We have about 122% debt to GDP ratio. This is the highest debt to GDP that we've seen in about a 100 years since World War II. And now, as we start to figure out what the Fed is going to do in the next cycle, we have to understand how this can create investment opportunities
regardless of what the Federal Reserve Bank does because we don't know what they're going to do yet. The next meeting is June 16th and June 17th. Again, June 16th is the date of my next workshop. If you haven't registered, I have that link for you down in the description where we talked about different types of ways that you can invest your money. In general, stocks and real estate, especially broad stocks and real estate, have done well regardless of what the Federal Reserve Bank does for the long run. So, we talked about investing your money into the broad stock market, something like
the S&P 500, the total stock market, or the NASDAQ 100. Then, we talked about investing your money in real estate. You can buy physical real estate or invest in a fund that's giving you exposure to real estate. Then we talked about if the Federal Reserve Bank cuts interest rates, which is what President Trump wants, that generally is good for more speculative investments. So we talked about things like Bitcoin and different ways you can invest in Bitcoin. We talked about growth funds. We talked about more speculative type of funds. Then we talked more inflation hedge type of investments. If you're worried about inflation going up even higher, how you can get exposure to TIPS, Treasury inflation protected securities through
the stock markets, something like SCHP. Then we also talked about gold because what we've seen happen is that people will often turn to gold when they're worried about inflation. So in this instance, the bond holders became wealthier. In these instances, the asset owners became incredibly wealthy. We don't know what's coming next, but well, history doesn't exactly repeat itself. It does rhyme. And you can use this knowledge to hopefully make smarter investment decisions. If you got value out of this video, the best thank you was a referral. So, if you could please share this video with a friend, family
member, colleague, or fellow investor. That way, we can continue to spread this type of financial education. Thank you. President Trump just launched his new plan to save the United States dollar from the $39 trillion debt crisis. No, it's not by having the dollar backed by gold. And no, it's not by having the dollar backed by oil either. It's by having the United States dollar backed by crypto. Let me explain. The value of a money depends on if people believe that it has value. If I'm walking
