Seeds of Wisdom RV and Economics Updates Wednesday Afternoon 2-4-26

Good Afternoon Dinar Recaps,

Mortgage Rate Pressure Builds as Borrowing Costs Rise

Mortgage rates tick up again — implications for housing demand and consumer finance

Overview

Mortgage interest rates continued to tick higher in the past 24 hours, with the average 30-year fixed rate climbing further. These increases reflect broader tightening in credit markets and rising refinance costs, contributing to affordability pressures for homebuyers and signaling stress points in consumer credit that could ripple through the economy.

Key Developments

1. 30-Year Fixed Mortgage Rates Rise
The average 30-year fixed mortgage rate increased to over 6.23%, up from recent levels, making home financing more expensive for new buyers.

2. Shorter-Term Rates Also Increase
Rates on 15-year fixed mortgages and refinancing products also ticked upward, compounding the impact on borrowers looking to shorten terms or refinance.

3. Consumer Costs Creep Higher
Higher rates translate into larger monthly payments and greater overall interest costs over the life of a loan, tightening household financial flexibility.

4. Market Participants Monitor Lending Conditions
Borrowers and lenders alike are watching rate trends closely as central bank policy expectations and credit conditions evolve.

Why It Matters

Rising mortgage rates reduce housing affordability, temper demand for new homes, and increase long-term cost burdens for borrowers. This affects consumer spending, wealth effects from housing markets, and broader financial stability.

Why It Matters to Foreign Currency Holders

Higher borrowing costs in the U.S. can impact global financial flows, as rate spreads influence currency valuations, capital allocation decisions, and cross-border investment strategies.

Implications for the Global Reset

Pillar 1: Credit Cost Rebalancing
Higher mortgage rates signal tighter credit conditions, impacting consumption and investment dynamics.

Pillar 2: Monetary Policy & Confidence Signals
Mortgage costs provide a real-world reflection of monetary tightening pressures that influence confidence in economic growth and currency stability.

This isn’t just about homes — it’s about the broader cost of credit and confidence in economic resilience.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Forbes Advisor — “Mortgage Rates Today: February 4, 2026 – 30-Year Rate Hits One-Month High”

• Forbes Advisor — “Mortgage Refinance Rates Today: February 3, 2026 – Rates Increase”

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Trump Cheers Weak Dollar as BRICS Accelerates De-Dollarization

Currency policy shockwaves collide with global reserve realignment

Overview

President Donald Trump has openly welcomed a weaker U.S. dollar, marking a sharp break from decades of American currency doctrine just as BRICS nations intensify efforts to reduce reliance on the greenback. With the dollar sitting at a four-year low, the convergence of U.S. policy shifts and BRICS de-dollarization is raising fundamental questions about the future of global currency dominance.

Key Developments

1. Trump Embraces a Weaker Dollar
Trump stated that the weaker dollar is “great” for America, highlighting increased business activity and export competitiveness. The U.S. dollar has fallen nearly 10% in 2025 and an additional 2% in early 2026, marking its sharpest annual decline since 2017.

2. Break From Traditional Strong-Dollar Policy
Historically, Republican administrations favored a strong dollar as a symbol of economic stability and global leadership. Trump’s stance departs from this orthodoxy, signaling a willingness to tolerate — or even encourage — dollar weakness to support domestic industry.

3. BRICS Accelerates De-Dollarization
BRICS nations are rapidly implementing alternatives to dollar-based systems:

• Russia conducts ~90% of intra-BRICS trade in national currencies

• BRICS central banks bought over 1,100 tons of gold in 2025, the largest increase in 70 years

• BRICS Pay is expected to launch by late 2026, bypassing SWIFT

• BRICS dollar reserves have declined to 56.92% as of January 2026

4. Treasury Attempts Damage Control
Treasury Secretary Scott Bessent reaffirmed the U.S. “strong dollar policy,” reframing it as a function of economic fundamentals rather than exchange-rate levels. Markets viewed the remarks as an effort to calm investor concerns following Trump’s comments.

Why It Matters

Currency value reflects confidence, stability, and geopolitical power. A weakening dollar may boost exports and tourism in the short term, but prolonged declines risk undermining investor confidence and accelerating global efforts to move away from dollar-based trade and reserves.

Why It Matters to Foreign Currency Holders

As BRICS nations expand gold holdings, local-currency trade, and alternative payment systems, foreign currency holders are watching for confirmation that the dollar’s dominance is structurally weakening — not just cyclical. These developments directly affect reserve diversification strategies worldwide.

Implications for the Global Reset

Pillar 1: Monetary Realignment
The dollar’s decline — combined with BRICS gold accumulation and CBDC infrastructure — signals a shift toward a multipolar reserve system rather than outright dollar replacement.

Pillar 2: Trade & Settlement Fragmentation
With BRICS Pay, mBridge, and bilateral currency swaps expanding, global trade settlement is moving away from a single dominant rail toward regional and bloc-based systems.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher.Guru – Trump Says A Weaker Dollar Is Great For America As BRICS Gains Power

• Reuters – Dollar Slides as Policy Uncertainty and Global Currency Shifts Deepen

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Thank you Dinar Recaps

Bruce’s Big Call Dinar Intel Tuesday Night 2-3-26

Bruce’s Big Call Dinar Intel Tuesday Night 2-3-26 

Transcribed By WiserNow Emailed To Recaps   (INTEL ONLY)

Welcome everybody to the big call tonight. It is Tuesday, February 3, and you're listening. Thanks everybody for tuning in, out there, wherever you are in Zim Landia, or wherever people are in this world, around the globe. Thank you for listening. Thank you for being part of our call.

And now the all important Intel section of the call, I want to start by just saying there is. There have been some questions about, How do they know if I've been gifted Zim?

And some people have, and they estimate that maybe 20% of Zim holders have been gifted the Zim that they have. Some people have bought them since they were gifted. Some people didn't, but those that were gifted Zim - how are they? How are they going to know your email?

They won't. They don't have it.

And what is the purpose of the big call, putting out email to our listeners that requested it and putting the 800 number when we get it on the landing page of big call universe.com -- It's to take care of the people that somehow either change emails they don't have The email for you or your gifted zim, and you that you did not buy it. It was gifted to you. Okay, well, that's where the big call comes in, because we will send, if you registered on our website, with your email, assuming you have one, okay, we will send out an email with a number in it.

When we get it to you, it'll be like an email blast. It'll go out to however many people  -however many people have gone ahead and registered on our website, however many that is. And I'll contact Bob. Bob will contact Riley. We'll get it out. That's how it's going to work.

The other thing is, if you, let's say you had Zim, or your spouse had Zim, something happened, and the spouse is no longer with us, and you have the currency. Can you redeem the zim? Of course, you can. Yes, of course. Now they are not asking for receipts for what we have bought, for currency, and if you've been gifted, you have no receipt. You have the currency, you have the zim or the Dong or the dinar, whatever you were gifted. That;s cool -- They don't have time to monkey with that.

Point is, if you come in, you've got bonafide currency, and you can prove who you are with your know, your customer, your photo ID, you know your driver's license, maybe a passport, if you have that, it's and it's current, that's all good.

So they'll check you out. You put you give them a maybe one of the most recent utility bills could be a cell phone bill, could be a natural gas bill, could be electric bill, whatever that shows that you have an address that you live somewhere. And they go, Okay, I see that. Okay, good. So that's it's gonna go quickly.

They know your customer now they say, they say, they know who all the zim holders are. Okay, cool. If they do, great. That makes it that much easier, that much faster, okay? And so that'll be fine. That's good. But if you come in and been gifted zim, you can let them know, Hey, I was gifted this. There's no shame in that. No shame whatsoever. In fact, I think you're special if somebody gave you Zim, okay, or any other currency for that matter.

So not a big deal if it was in this was something that your spouse has passed away. Oh, you have to take over, take over and go into the redemption center, set your appointment, just like anybody would with the 800 number you'll call, set your appointment, and then you'll follow up and end up going to the redemption center no more than 10 minutes before appointment time.

Okay, so you don't clog up the parking lot trying to get there an hour early. Not happening. I'll send you the back of the line. You do that, just get there 10 minutes early and you'll be all set 10 minutes early, and if they give you in sooner.  If you have to wait a little while,  -- they are trying to run these things very quickly, and get our appointments done in 30 to 40 minutes total. That's a lot to do in 30 - 40 minutes, Delarue machines are gonna be going  great guns  - lights out on those – going to be quick  and then setting up a new account, giving credit debit card from Wells Fargo  - getting quantum account – getting biometric together  - five digit pin code – that’s still good and email  -- they said new email and password – Im not so sure they will  the new email we’ll see – be prepared for the possibility  of new email and password  - as opposed to the one you currently use

Now,   when is it going to go? When is it all going to happen?

Well, information today has been a little bit late. However we had this basically three or four days ago that we were looking at Tuesday, Wednesday was in play, Tuesday when it was in play --  prior to that we had from a number of sources that Wednesday / Thursday  which is tomorrow  and Thursday  - 4th and 5th

Well it came back in today, and we're looking to receive notifications, which Listen when we go to notifications with 800 numbers  that is 51% of the battle - . I dare say it's more than 51% - but  we definitely got it – we set our appointments – go  in and we do the exchanges and out the other side   enjoying the experience --

It’s like getting married, and all sudden, you're in this ceremony and where you are not really aware of what’s  going on. But you need, when you go in, to look around. Need to enjoy the atmosphere. You'll see like, see what's going on in the church, if you had a church wedding  and enjoy it and you know, even though ceremony might be 30 – 40 minutes long 25 to 30 minutes, it goes like, boom, like that. Same thing is going to be true the exchanges.

But this is not the time for you to tell you know, an hour and a half speech about your project. It's not, I think three five minutes more like what they want now, five to eight they want, like, three to five minutes on your projects. They just want to know, kind of, like, what you're planning do with the Zim money, you know? And I recommend anybody that has zim that you should have some project. You don't have to have tons of projects you can have one project and be fine with it.

So what are we hearing? Notifications tomorrow night or Thursday, and the latest or about this could be, well, with this,  supposed to have all the rates on the screen – tomorrow night which means show up on Thursday morning on banks and redemption centers so that, it's quite conceivable that we can get notified Wednesday night or Thursday morning

We could “quote un quote” wake up to it Thursday  - and if we did – we would call set appointments, and then, based on availability, we would start exchanges on Thursday

Now that's the latest that I've received. And you know how it is a Tuesday night and a Thursday night, it's very likely that I will get an update, after the call is over which is very frustrating to me. Many times I've had information after the call that I wish I had during the call that I could bring to you, not the case tonight, so we'll see what happens. Maybe tonight I'll have something else here on Thursday, or maybe, just maybe, if we get the numbers, as we wake up to Thursday, we'll have a celebration call a Thursday night.

That's if, if, if then the old if then statement, if we get numbers, then we will have a celebration call Thursday we have numbers either tomorrow night or Thursday morning.

Either way, we'll have a call Thursday night all right now, that's very limited information right now. And a lot of our leaders at redemption centers and other leaders that know, are very quiet, very quiet. I think that quiet as they've been, maybe so and so, you know, things are moving forward in the right direction for us. We don't know everything, obviously that's happening, but we're going to have to just pay attention.

And I want to encourage everybody to go one day at a time. You know, when the Israelites were being fed manna from heaven, God told them only what you could eat. For that one day he was trying to build faith so they would trust God to receive Manna the next day, because if they had more than they could eat it one day, it was spoiled.

They live one day at a time. They finally got it, and then they asked for for meat, and they got quail,  such a deal. And it was all, I think, to build trust in God and build a faith. We have to do the same thing. We trust in God, for this to come about  bring everything to fruition, to completion, and it builds our faith day by day, as we go about our plan A, yep, still on Plan A, but we're planning for Plan B,

All right, well, guys, there's not a whole lot else. I think I covered the question that was proposed to me earlier about the Zim holders, and I think, guys, I can't think of anything other than the fact that we're looking for these numbers. Because once that happens, it's game on. We're ready to go. We're ready to get started and go,

 But everything is a go, and we just need to see these numbers and make all this happen. And then remember, we're not going to rush, rush, rush, rush. Do, do do, as Sue always says, do, do, do in this. But we're going to go to the plan and go slowly at first, and then we'll take it and build a little momentum as we go.

 Well, thanks everybody. I appreciate you, and thanks for listening, and we'll talk to you Thursday, and if we get our numbers, we'll have a celebration call all right. God bless everybody.

Bruce’s Big Call Dinar Intel Tuesday Night 2-3-26 REPLAY LINK   Intel Begins   1:06:46

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOQ5E

Bruce’s Big Call Dinar Intel Thursday Night 1-27-26 REPLAY LINK   Intel Begins   1:26:36

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOQwH

Bruce’s Big Call Dinar Intel Tuesday Night 1-27-26 REPLAY LINK   Intel Begins   1:23:23

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOQPt

Bruce’s Big Call Dinar Intel Thursday Night 1-22-26 REPLAY LINK   Intel Begins   1:19:00

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOQQv

Bruce’s Big Call Dinar Intel Tuesday Night 1-20-26 REPLAY LINK   Intel Begins   1:07:15

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOzM7

Bruce’s Big Call Dinar Intel Thursday Night 1-15-26 REPLAY LINK   Intel Begins   1:05:30

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOzY7

Bruce’s Big Call Dinar Intel Tuesday Night 1-13-26 REPLAY LINK   Intel Begins   1:14:54

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOztp

Bruce’s Big Call Dinar Intel Thursday Night 1-8-26 REPLAY LINK   Intel Begins   1:22:42

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOzCO

Bruce’s Big Call Dinar Intel Tuesday Night 1-6-26 REPLAY LINK   Intel Begins   1:13:10

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOzIo

Bruce’s Big Call Dinar Intel Thursday Night 1-1-26 New Year’s Day   NO CALL  

Bruce’s Big Call Dinar Intel Tuesday Night 12-30-25 REPLAY LINK   Intel Begins   56:00

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOO1I

Bruce’s Big Call Dinar Intel Thursday Night 12-25-25 REPLAY LINK   Intel Begins   20:40

https://www.freeconferencecallhd.com/wall/recorded_audio?audioRecordingUrl=https%3A%2F%2Frs0002.freeconferencecall.com%2Fstorage%2FsgetHD%2FHsCgW%2FOOod

Financial System on Edge of Crisis

Financial System on Edge of Crisis

WTFinance:  2-4-2026

As we navigate the choppy waters of 2026, the global economy, financial markets, and geopolitics are facing unprecedented challenges.

In a recent episode of the What the Finance (WTFinance) podcast, host Anthony Fatseas sat down with returning guest Simon Hunt to dissect the complex and precarious state of the world.

 The conversation was a sobering reminder that beneath the optimistic headlines, significant weaknesses lurk, threatening to upend the financial system.

Despite appearances of strength, the U.S. economy is showing signs of strain. Declining trucking indices and consumer sentiment are just a few indicators that suggest a slowdown is on the horizon.

Simon predicts a major global equity market correction of 20-30% that could last through mid-2026 to early Q3. This correction is not just a minor dip; it’s a significant adjustment that will test the mettle of investors and the financial system.

Simon reveals a critical event where the “plunge protection team” intervened to suppress the prices of gold, silver, and other assets.

This move was aimed at protecting the financial system from the destabilizing effects of massive short positions held by banks.

While this intervention may have provided a temporary reprieve, it doesn’t address the underlying issues. Simon remains bullish on precious metals over the long term, advising investors to hold physical assets and prepare for volatility.

The conversation also highlighted the unprecedented $416 trillion global debt burden, which is over four times the size of global GDP. This debt mountain, particularly in the U.S., where debt per capita and per entity far exceed those in China, constitutes the Achilles heel of the financial system.

The implications are stark: tightening monetary policy and significant bond market risks could trigger a catastrophic economic downturn.

Geopolitical tensions are another major concern. The ongoing conflict between Russia and NATO in UKraie is a case in point. Simon emphasizes Russia’s strategic goal of securing long-term border security and territorial control, which will likely disappoint Western interests and lead to a realignment of reconstruction contracts toward BRICS countries.

The risk of U.S. military action against Iran is also highlighted, with Iran’s threats to retaliate by targeting U.S. military bases and shutting down the strategically vital Strait of Hormuz. Simon assesses the likelihood of an Iran strike as 50/50, with potential delays until 2027 or 2028.

The growing strategic rivalry between the U.S. and China is another significant development. China’s rapid advancements in robotic manufacturing (“dark factories”), military capabilities, and alternative financial systems, including the soon-to-be-launched BRICS-backed currency unit partially backed by gold, challenge U.S. economic and geopolitical dominance.

China’s massive gold reserves and efforts to build gold vaults across BRICS nations will facilitate trade in local currencies and decrease reliance on the U.S. dollar.

Finally, Simon stresses the precarious future of the U.S. dollar and bond markets. While Treasury yields may temporarily fall mid-year due to government interventions, they are expected to surge dramatically by 2027-2028, exacerbating debt servicing costs and triggering economic turmoil.

The overarching message is clear: in a volatile, debt-laden, and geopolitically fraught environment, individuals must take steps to protect themselves.

Securing physical assets such as precious metals, land, and food is a prudent strategy. As Simon’s insights make clear, the perfect storm is brewing, and it’s essential to be prepared.

For further insights and information, watch the full video from WTFinance. The conversation with Simon Hunt is a wake-up call for investors, policymakers, and anyone concerned about the future of the global economy and geopolitics.

https://youtu.be/RgluM3dnQ3s

FIRST BANK FAILURE OF 2026: This Is How It Starts

FIRST BANK FAILURE OF 2026: This Is How It Starts

Taylor Kenny:  2-4-2026

The first bank failure of 2026 is here and it could be just the beginning.

 Chicago's Metropolitan Capital Bank & Trust was shuttered by regulators this past weekend. The reason? "Unsafe and unsound conditions" and an "impaired capital position."

Translation: they were broke.

If you think this is an isolated incident, think again. The failure of Metropolitan Capital Bank isn't just a blip — it's a red flag waving from the crumbling foundations of our financial system. And it has direct implications for your deposits, retirement, and financial future.

CHAPTERS:

0:00 First Bank Failure of 2026

0:53 Many More Banks at Risk

2:04 Commercial Real Estate Time Bomb

3:39 The Extend and Pretend Game

4:18 Private Equity

5:40 Why This Failure Affects You

7:00 Bailout vs. Bail-In

7:36 Bail-Ins Legal in U.S.

 9:13 Why Gold & Silver Matter Now

https://www.youtube.com/watch?v=tarJIiNQkZM

News, Rumors and Opinions Wednesday 2-4-2026

Gold Telegraph: The Monetary System is Breaking Down

2-4-2026

Gold Telegraph   @GoldTelegraph

Not much is being said about this: Illinois regulators shut down Metropolitan Capital Bank and Trust on Friday. A small bank, but with roughly $261 million in assets. The first U.S. bank failure of 2026. Watch the unrealized losses closely…

Ray Dalio: “The monetary system as we know it is breaking down.”

I have been documenting this shift for nearly a decade. What’s interesting isn’t the quote… (obvious) It’s how many explosive stories are surfacing as the fabric finally gives way.

Watch on X: https://twitter.com/i/status/2017749495027761570

BREAKING NEWS: XI JINPING CALLS FOR CHINA’S RENMINBI TO ATTAIN GLOBAL RESERVE CURRENCY STATUS

“Latest commentary details ambitions for powerful currency to play a greater role in trade and forex…”

Source: https://www.ft.com/content/c948b978-c22b-44b7-ba3d-4798e641e673

This is going to get very interesting… Gold.

The United States will stockpile $12 billion in critical minerals. The trend only continues to accelerate.

The U.S. government just told the market today that metals are no longer just commodities… they are strategic tools $12 billion stockpile From rare earths to tungsten, the United States is stepping directly into the supply chain. Buyer, financier, and backstop Here we go…

Robert Friedland:  Thank you, @realDonaldTrump , for the invitation to the Oval Office today… Mining is a critical industry vital to the re-industrialization of the United States' economy. Today mining as a sector only represents 1% of the S&P500... However, with your leadership and the Project Vault initiative, I am super excited for the future of this incredible industry in America and its future impact for the American economy.

Watch Video Here:  https://x.com/i/status/2018474859567706155

Well said, Robert. No mining. No minerals. No technology. No infrastructure. No modern life. The world is waking up to the importance of mining and why it powers our world forward. @robert_ivanhoe

The free cash flow being generated by the majors has turned mining companies into modern-day printing presses. But the real leverage sits upstream, in select junior miners holding the raw substrate of the future. No code. No narratives. Just atoms, energy, and scale… what actually powers the next generation of digital innovation, wealth preservation, and electrification. @robert_ivanhoe

BREAKING NEWS: A US GOVERNMENT-BACKED MINING INVESTMENT FUND HAS AGREED TO BUY A 40 PER CENT STAKE IN GLENCORE’S COPPER AND COBALT PROJECTS

The trend is real.

Source: https://www.ft.com/content/24c089a8-28db-44ea-882d-c8e28ef57d03

It is raining now.

Foreign investors own almost $70 trillion worth of U.S. assets. Not saying this is going to be unwound dramatically overnight, that would be crazy. But the important thing to note: Questions are being asked out loud now, and world leaders are looking to diversify.

BREAKING NEWS: CHINA MAY LOOK TO STOCKPILE MORE COPPER AS PART OF ITS STRATEGIC MINERALS INVENTORY

“The China Nonferrous Metals Industry Association said the Chinese government should expand its strategic reserves of copper…”

Source: https://www.mining.com/chinas-metals-association-calls-for-expanded-copper-stockpile/

Copper… the glue.

On gold, from this past weekend: “We saw it in moments like 1944 and 1971, inflection points I have spent years highlighting… when the rules quietly changed and the consequences unfolded over decades, not days…”

Source(s):  https://x.com/GoldTelegraph_/status/2017729590383333521

https://dinarchronicles.com/2026/02/04/gold-telegraph-the-monetary-system-is-breaking-down/

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Courtesy of Dinar Guru:  https://www.dinarguru.com/

Walkingstick  This media blitz is what Aki has been preparing us for.  It's going to come in three stages.  The first stage is going to explain the monetary reform to the citizens.  The second stage will explain the new rate.  The Third stage will explain the lower notes.  It's actually perfect timing with what's going on in the Middle East...

Jeff   Question: "Do we know when Iraq joins the WTO?"  No...it's never been announced.  We know it's soon. There's still remaining pending items for Iraq to join the WTO...laws, taxes, tariffs.   There's a few small things waiting for the rate to change before Iraq can join the WTO...Iraq has remained an observing member all the way back since 2004 because they've been waiting for the rate to change so they can complete the steps we've talked about - reforms, tariffs, taxes and certain laws.

Militia Man  Reserves are strong and inflation is anchored.  The market perception is the key battleground with gatekeepers and CBI knowing perception drives behaviors.  Markets are emotional...Negative noise keeps traders cautious, reduces hoarding, speculation.  The positive quiet results builds organic confidence.  Non-oil revenue is up, digital payments surging, reserves are growing, gold - 171 tons, reserves at over $115 billion.  Inflation is low...What is the end result?  Markets move in favor of the reforms when the time comes, demand for the dinar rises.  Real fundamentals are not rumors.

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The Budget Deficit - Still Headed Towards Disaster

Heresy Financial:  2-4-2026

TIMECODES

0:00 One Year After Promises to Reduce Taxes and Balance Budget

0:27 Fiscal Year 2021 Ended With $2.7 Trillion Deficit

1:03 Deficit Means Spending After Taking Your Taxes

1:40 Fiscal Year 2022 Deficit Was $1.37 Trillion

2:21 US Has Run a Deficit Every Year Since the 70s

2:48 2022 Deficit Was Same as 2009 Financial Crisis

3:06 Fiscal Year 2023 Deficit Was $1.69 Trillion

 3:22 Fiscal Year 2025 Stayed Above Trend All Year

 4:03 Fiscal Year 2025 Ended at $1.775 Trillion Deficit

4:33 Why the Deficit Sometimes Goes Down Certain Months

4:52 Fiscal Year 2026 Started in Line With Prior Years

5:33 The Deficit Gets Slightly Better Then Much Worse

6:02 Total Government Spending Topped $7 Trillion Last Year

6:33 This Is Not a Taxation Problem It's a Spending Problem

7:10 Government Could Cut to 2019 Budget and Run a Surplus

7:47 Even 2022 Spending Levels Would Give $800 Billion Deficit

8:20 All US Billionaire Wealth Would Fund One Year of Budget

 9:09 Every Dollar Government Spends Comes From Your Pocket

 9:44 It's Your Responsibility to Protect Yourself From This

10:09 No Tariffs or Efficiency Programs Will Save You

https://www.youtube.com/watch?v=pMdk2PVhJ1k

Seeds of Wisdom RV and Economics Updates Wednesday Morning 2-4-26

Good Morning Dinar Recaps,

AI Shock Scatters Global Markets as Investors Reprice Risk

Tech volatility, commodity strength, and capital rotation signal deeper structural shifts

Overview

Global markets rattled over the past 24 hours as rapid developments in artificial intelligence triggered sharp volatility across major tech stocks, forcing investors to reassess valuations, risk exposure, and long-term economic structure. The turbulence coincided with rising commodity prices and mixed economic data, reinforcing signs of broader financial realignment with implications for global capital flows and confidence in dominant asset classes.

Key Developments

1. AI Drives Sudden Tech Market Volatility
Major technology and software stocks experienced sharp sell-offs after rapid AI advancements and new product developments stoked investor fears that valuations may be overstretched.

2. Capital Rotates Into Commodities and Defensive Assets
Gold, oil, and other commodity prices strengthened as investors sought alternatives amid equity weakness, underlining renewed interest in real assets.

3. Mixed Global Economic Signals Emerge
Asian markets posted resilient data while European equities showed uneven performance, highlighting growing regional divergence in growth momentum.

4. Digital Assets Struggle for Direction
Cryptocurrencies like Bitcoin did not attract substantial safe-haven flows, raising questions about their evolving role during market stress.

Why It Matters

AI is no longer just a growth narrative — it’s provoking structural market repricing, challenging long-standing assumptions about risk assets and fueling capital rotation. This is significant in the context of global financial transitions and investment strategies.

Why It Matters to Foreign Currency Holders

Shifts toward commodities and real assets reflect emerging preferences that may outpace confidence in traditional fiat and growth-dependent instruments. For foreign currency holders, this reinforces the importance of diversification as confidence in existing financial hierarchies becomes more tenuous.

Implications for the Global Reset

Pillar 1: Capital Reallocation
AI-linked volatility accelerates movement from financialized equities to tangible stores of value, underscoring evolving definitions of wealth protection.

Pillar 2: Fragmenting Market Leadership
Tech leadership faltering with commodity strength reinforces a multipolar risk framework where no single asset class dominates stability narratives.

This is not just a tech correction — it’s a warning flare for systemic realignment.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters — “Morning Bid: AI scatters the tech herd”

• Reuters — “Global software stocks hit by Anthropic wake-up call on AI disruption”

• Reuters — “Nvidia’s Huang dismisses fears AI will replace software tools as stock selloff deepens”

~~~~~~~~~~

Gold & Silver Market Whipsawed: Historic Volatility Roils Metals

Precious metals rebound after record highs and sharp corrections

Overview

Gold and silver prices experienced dramatic swings over the past 24 hours after historic highs and abrupt sell-offs earlier in the week. Metals initially plunged from record levels but have since staged notable recoveries amid heightened investor interest and bargain-hunting flows. The sharp moves reflect broader risk repricing, currency volatility, and shifting investor sentiment about safe-haven demand.

Key Developments

1. Record Sell-Off Followed by Strong Rebound
Gold and silver both plunged sharply from recent peaks — with silver dropping more than 30% from highs above $120/oz — only to rebound strongly as dips were bought and volatility eased.

2. Precious Metals Still Attractive as Safe Havens
Analysts caution that the plunge likely represents a technical correction amid extreme prior gains, not a sustained long-term trend reversal.

3. Volatility Reflects Macro and Currency Dynamics
Moves in gold and silver prices have been tied to swings in the U.S. dollar, interest-rate expectations, and risk appetite.

4. Market Participants Re-Engaging After Sharp Losses
Investors re-entered the market as prices corrected, signaling confidence that recent volatility may be pausing before the next directional move.

Why It Matters

Gold and silver are foundational hedges against currency debasement and financial instability. Large swings in their valuations reveal deepening uncertainty in global asset markets and the fragile confidence in fiat currency regimes that are central to global financial order.

Why It Matters to Foreign Currency Holders

Foreign currency holders watching precious metals see extreme volatility as a barometer of confidence in global monetary frameworks. Metals behavior can influence reserve allocation decisions and perceptions of long-term currency stability.

Implications for the Global Reset

Pillar 1: Hedge Asset Reassessment
Whipsawed price action underscores re-evaluation of traditional safe havens in a highly uncertain macro environment.

Pillar 2: Currency Confidence Signals
Extreme metals volatility signals shifting confidence in fiat money and central bank policy, feeding narratives of global monetary transition.

This isn’t just a price correction — it’s a reflection of deep systemic volatility.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Forbes — “Metals Rally Again: Silver Up 15% — Gold Posts Biggest Gain In Years”

• Investing.com — “Gold surges about 6%, silver soars as precious metals regain their shine”

• The Economic Times — “Why silver is surging again today: Silver price surges more than 12% as futures reclaim $86 per ounce”

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Trump Signs Funding Bill Ending Partial Government Shutdown

Government reopens after short funding lapse — focus shifts to next fight over DHS funding

Overview

President Donald Trump signed a roughly $1.2 trillion government funding bill into law on February 3, 2026, officially ending a partial federal government shutdown that began late last week. The legislation restores funding to most federal agencies and sets the stage for renewed negotiations over funding for the Department of Homeland Security (DHS) and immigration policy.

Key Developments

1. Shutdown Ends After Four Days
The partial government shutdown — triggered by a funding stalemate in Congress — lasted about four days before Trump signed the bipartisan spending package. The bill funds key departments including defense, healthcare, labor, and education.

2. House Passes Bill by Narrow Margin
The House of Representatives approved the legislation by a 217–214 vote, sending it to the White House where President Trump quickly signed it into law.

3. Funding Through Fiscal Year, Short DHS Extension
The bill funds most of the federal government through September 30, 2026, but only extends DHS funding for two weeks (through Feb. 13), leaving a follow-on fight ahead.

4. Back to Negotiations on Immigration and DHS
Lawmakers are gearing up for another round of negotiations over long-term DHS funding and immigration enforcement reforms, particularly after recent high-profile incidents involving federal agents.

Why It Matters

Government shutdowns disrupt services, furlough federal workers, and shake public confidence. Ending this shutdown restores normal operations, federal employee pay, and budget certainty — albeit temporarily — while exposing ongoing partisan tensions over policy priorities, especially around immigration and border security.

Why It Matters to Federal Employees

Federal workers briefly furloughed or working without pay will now receive back pay and see normal operations resume at key agencies. However, continued uncertainty about DHS funding means disruptions could return if lawmakers don’t reach an agreement.

Implications for Broader Political Dynamics

Pillar 1: Partisan Budget Battles
The narrow vote and contentious debate underscore deep Republican–Democrat divides on federal spending priorities and immigration policy.

Pillar 2: Future Shutdown Risks
With DHS funded only short-term, lawmakers face a deadline of mid-February to prevent another shutdown, increasing the likelihood of renewed conflict.

This is not just politics — it’s the legislative gridlock shaping federal operations and economic stability.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters — “Trump-backed deal ends partial U.S. government shutdown after tight House vote”

• CBS News — “Trump signs funding package ending partial government shutdown”

• Fox News — “Government shutdown ends after Trump signs funding bill; DHS deadline looms”

~~~~~~~~~~

🌱 A Message to Our Currency Holders🌱

If you’ve been holding foreign currency for many years, you were not foolish.
You were not wrong to believe the global financial system would change.

What failed was not your patience — it was the information you were given.

For years, dates, rumors, and personalities replaced facts, structure, and proof. “This week” predictions created cycles of hope and disappointment that were never based on how currencies actually change.

That is not your failure.

Our mission here is different:   • No dates • No rates • No hype • No gurus

Instead, we focus on:
• Verifiable developments • Institutional evidence
• Global financial structure • Where countries actually sit in the process

Currency value changes only come after sovereignty, trade, banking, settlement systems, and fiscal coordination are in place. History and institutions confirm this sequence.

You will see silence. You will see denials. That is not delay — that is discipline.

Protect your identity. Organize your documents.       Verify everything.
Never hand your discernment to anyone who cannot show proof.

You deserve truth — not timelines.

Seeds of Wisdom Team
Newshounds News

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

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Follow Fast Facts

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Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Wednesday Morning 2-4-26

IMN Head: Iraqis Enjoy Democracy And A Competent Judiciary

The head of the Iraq Media Network (IMN), Karim Hammadi, said on Wednesday that Iraqis are living under an active democratic environment and benefit from a competent judiciary, highlighting the country’s political progress since the fall of dictatorship.

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Speaking at the Saudi Media Forum, Hammadi noted that Iraqi news channels remain active and influential, playing a central role in shaping public discourse. He emphasized that, unlike the pre-2003 era when state television broadcast long presidential speeches with no public critique, today’s media landscape allows viewers to access multiple channels and social media platforms, fostering greater transparency and competition.

Hammadi pointed out that semi-official Iraqi television faces competition from private broadcasters and social media, while remaining bound by legal, social, and cultural guidelines. “Competition is intense, but we strive to engage audiences through technical, cultural, and sports programming, including exclusive coverage of local festivals and the Iraqi football league,” he said.

He also highlighted the strong public interest in political news, noting that channels such as Iraqiya News, Al Jazeera, and Al Arabiya maintain high viewership due to their rapid coverage and interactive discussions. “News channels in Iraq remain effective and will not be supplanted by social media, which lacks the capacity to deploy fully equipped teams to cover events on the ground,” Hammadi added.

He cited a recent incident in which a social media post accused a military officer of misconduct using AI-manipulated images. A television channel amplified the story before investigations debunked the claims. Hammadi said the network’s verification restored public trust, though the reputational damage to the officer and his family was difficult to reverse.

Hammadi also praised the rapid development in Riyadh, and said Iraqis feel pride in their political system. “After decades of dictatorship, we now have an environment of active democracy, with regular elections every four years to select the president, prime minister, and parliamentary speaker—a remarkable achievement in our region,” he said.

https://ina.iq/en/45253-imn-head-iraqis-enjoy-democracy-and-a-competent-judiciary.html

Interior Ministry: Government Fully Ready To Secure Borders

The Ministry of Interior affirmed on Wednesday that border security constitutes half of Iraq's overall security.

Colonel Miqdad Miri, Director of Media and Public Relations at the Ministry of Interior, told the Iraqi News Agency (INA): "Border security is half of Iraq's security, and government support is open and direct, the government is working continuously to secure the borders, and we have not ceased providing support, “He added, "Today, we are at our best in terms of support and readiness to perform our duties."

He added that "the entire Iraqi people support the border forces, the Ministry of Interior and the Iraqi army," noting that "the Popular Mobilization Forces constitute a major support in protecting Iraq."

https://ina.iq/en/45252-interior-ministry-government-fully-ready-to-secure-borders.html

CBI Governor Says Talks With U.S. Officials Were Purely Technical

Baghdad-INA  The governor of the Central Bank of Iraq-CBI Ali al-Allaq said on Wednesday that recent talks with U.S. officials focused solely on technical issues.

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In a message response to Bloomberg, followed by the Iraqi News Agency (INA), Al-Allaq said the discussions held with the U.S side in Turkey were “purely technical in nature.”  He added that the talks did not address any matters of a political or other non-technical dimension.

https://ina.iq/en/45247-cbi-governor-says-talks-with-us-officials-were-purely-technical.html

Dollar Cllimbs In Baghdad And Erbil Markets

2026-02-04 Shafaq News- Baghdad/ Erbil   The US dollar opened Wednesday’s trading higher in Iraq, crossing the 150,000-dinar mark per 100 dollars.

A Shafaq News market survey showed the dollar trading in Baghdad's Al-Kifah and Al-Harithiya exchanges at 150,100 dinars per 100 dollars, up from yesterday’s close of 149,000 dinars.

In Baghdad, exchange shops sold the dollar at 150,500 dinars and bought it at 149,500 dinars, while in Erbil, selling prices reached 150,150 dinars and buying prices stood at 150,000 dinars

https://www.shafaq.com/en/Economy/Dollar-cllimbs-in-Baghdad-and-Erbil-markets

Gold Prices Increase In Baghdad And Erbil Markets

2026-02-04 Shafaq News- Baghdad/ Erbil   On Wednesday, gold prices increased reaching 1.06 million IQD per mithqal in Baghdad and Erbil markets, continuing their upward trend, according to a survey by Shafaq News Agency.

Gold prices on Baghdad's Al-Nahr Street recorded a selling price of 1,073,000 IQD per mithqal (equivalent to five grams) for 21-carat gold, including Gulf, Turkish, and European varieties, with a buying price of 1,069,000 IQD. The same gold had sold for 1,035,000 IQD on Tuesday.

The selling price for 21-carat Iraqi gold stood at 1,043,000 IQD, with a buying price of 1,039,000 IQD.

In jewelry stores, the selling price per mithqal of 21-carat Gulf gold ranged between 1,075,000 and 1,085,000 IQD, while Iraqi gold sold for between 1,045,000 and 1,055,000 IQD.

In Erbil, 22-carat gold was sold at 1,163,000 IQD per mithqal, 21-carat gold at 1,110,000 IQD, and 18-carat gold at 952,000 IQD.   https://www.shafaq.com/en/Economy/Gold-prices-increase-in-Baghdad-and-Erbil-markets-6

Basrah Crudes Rise With A Global Surge

2026-02-04 Shafaq News– Basrah   Basrah crude prices recorded gains of around 0.5% on Wednesday, moving along the broader trend in global oil markets.

Basrah Heavy crude rose by 29 cents, or 0.48%, to $60.78 per barrel, while Basra Medium crude increased by 29 cents, or 0.46%, to settle at $63.23 per barrel.

In international markets, Brent crude futures rose 56 cents, or 0.8%, to $67.89 a barrel. US West Texas Intermediate crude (WTI) climbed 63 cents, or 1.0%, to $63.84 a barrel.

https://www.shafaq.com/en/Economy/Basrah-crudes-rise-with-a-global-surge-7

“Tidbits From TNT” Wednesday Morning 2-4-2026

TNT:

Tishwash:  Arab and international companies express their desire to enter the Iraqi market.

The third day of the Baghdad International Fair witnessed the organization of numerous economic events and international forums, which saw broad participation from experts in the economic, industrial, and agricultural sectors.

The day's activities focused on the importance of resource management, building effective partnerships, and exchanging expertise to support development and improve the business environment.

 Yesterday, a seminar on water conservation was held with the participation of representatives from the Ministries of Water Resources, Trade, and Agriculture. The seminar focused on the current state of water resources in Iraq and the challenges they face, as well as discussing mechanisms for rationalizing consumption and increasing efficiency in water use across the agricultural, industrial, and commercial sectors. 

The participants emphasized the importance of raising community awareness and adopting modern technologies that contribute to preserving water and ensuring its sustainability for future generations.

International conferences 

With the aim of strengthening international economic cooperation, yesterday’s events included the organization of the Iraqi-French Business Forum, which focused on exploring partnership opportunities in multiple fields, particularly the productive and investment sectors, and exchanging experiences between the two sides in a way that contributes to supporting economic development. 

The exhibition also witnessed yesterday the convening of the Iraqi-Swedish Business Forum with the participation of company representatives and businessmen, where they discussed joint cooperation, the transfer of expertise and successful experiences, and opening new channels of communication that contribute to developing the business environment, supporting the national economy, and meeting the requirements for attracting investments. Global markets into the Iraqi market.

Saudi wing 

For his part, Nizar Al-Suhaibani, representative of the Saudi Arabian pavilion at the Baghdad International Fair, confirmed that Saudi participation in the 49th edition of the fair was distinguished and extensive, with the presence of 32 companies specializing in various fields including industries, modern technological services, and the sector. 

Food industries.

Al-Suhaibani explained that this diversity of companies reflects the scale of development the Kingdom is witnessing in its productive and service sectors. It also reflects the keenness of Saudi companies to establish a presence in the Iraqi market and build long-term economic and commercial partnerships. He pointed out that the Baghdad International Fair is an important platform for direct communication with Iraqi businesspeople and investors and for showcasing Saudi products. And Saudi services.

Technology fields

The spokesperson explained that the participating companies are seeking to create opportunities for cooperation and joint investment, and to exchange expertise, particularly in the fields of technology and modern industries, which are experiencing increasing demand in the Iraqi market. He also noted that the food industry sector receives special attention due to its importance in meeting consumer needs and enhancing food security.

Strengthening cooperation

Al-Suhaibani added that the Saudi participation confirms the strength of the economic relations between the two countries and reflects the common desire to enhance trade cooperation in a way that serves the interests of both sides, expecting that this participation will result in new partnerships and job opportunities during the next stage.

Banking sector 

The banking sector was present at the exhibition, as the Executive Director of the Association of Iraqi Banks, Ali Tariq, confirmed that the participation of the financial sector in the 49th session of the Baghdad International Fair was active and extensive, and reflects the banking system’s keenness to be directly present with the public and to highlight its role in supporting the economic and developmental movement in the country.

segments of society

Tariq noted that the participating banks' booths witnessed a significant turnout of visitors, particularly due to the diverse range of banking services offered, designed to serve various segments of society, from individuals and owners of small and medium-sized enterprises to corporations and merchants. He added that the exhibition represents an important opportunity to strengthen trust between citizens and banking institutions through direct communication and explanations of modern banking mechanisms.

Free accounts

Tariq pointed out that the participating banks focused on introducing the basic services that contribute to facilitating daily financial transactions, most notably opening free bank accounts, and explaining the advantages of financial inclusion and its importance in regulating monetary movement and supporting the national economy, and that this step aims to encourage citizens to engage in the formal banking system and benefit from services that keep pace with financial and technological developments.

Financial systems 

Tariq explained that the financial sector's participation in the Baghdad International Fair aligns with the directives of the Iraqi government and the Central Bank of Iraq aimed at developing the banking sector, promoting a culture of banking transactions, and supporting the transition to modern financial systems. He noted that continued participation in such events contributes to raising banking awareness and opens new avenues for cooperation between banks and various economic sectors. He added that the Baghdad International Fair serves as an important platform for showcasing capabilities and opportunities, and reflects a positive image of the financial sector's development and its ability to meet evolving needs. 

The next stage.

Jordanian wing 

For his part, the official in charge of the Jordanian pavilion at the Baghdad International Fair confirmed 

International expert Khaled Al-Saoub stated that Jordan's participation in the 49th edition of the exhibition came through 30 companies specializing in industrial products, in a step that reflects the Jordanian companies' keenness to strengthen their presence in the Iraqi market and expand areas of cooperation. Trade between the two countries.

Diverse industrial sectors

Al-Saoub pointed out that the participating companies represent diverse industrial sectors and are seeking to showcase their products and manufacturing capabilities, as well as explore partnership opportunities with both the public and private sectors in Iraq. He explained that the Baghdad International Fair provides a suitable environment for direct communication with businesspeople and investors, and contributes to opening new channels of cooperation that serve the interests of both parties.

economic integration

He added that the Jordanian pavilion witnessed remarkable interest from visitors, especially those specializing in industrial affairs, stressing that this participation comes within the framework of strengthening economic and industrial relations between Jordan and Iraq, in order to achieve economic integration and support trade exchange during the next stage.

Egyptian participation

For his part, the representative of the Arab Republic of Egypt's pavilion at the Baghdad International Fair stated that Egypt's participation in the 49th session of the fair included more than 60 exhibits, occupying a large area of ​​the exhibition space, in a clear indication of the extent of Egyptian interest in being present at this economic event. the important.

Opportunities for collaboration 

He explained that the participating Egyptian companies represent multiple sectors, including various industries, building materials, engineering products and other service and commercial fields, reflecting the diversity of the Egyptian production base and its ability to meet the needs of regional markets. He noted that the turnout at the Egyptian pavilion was remarkable from visitors and businessmen, who showed interest in learning about the products and available cooperation opportunities.

New Horizons

He added that this participation reflects the depth of economic relations between Iraq and Egypt, and contributes to opening new horizons for trade and investment cooperation, stressing that the Baghdad International Fair constitutes an important platform for strengthening partnerships and building sustainable economic relations during the next stage.  link

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Tishwash: The Minister of Finance affirms Iraq's commitment to strengthening cooperation with regional and international financial institutions.

Finance Minister Taif Sami affirmed on Monday Iraq's commitment to strengthening cooperation with regional and international financial institutions.

A statement from the Ministry of Finance, received by the Iraqi News Agency (INA), indicated that "Finance Minister Taif Sami participated in the 10th Arab Public Finance Forum, which commenced today in Jumeirah, Dubai.

The forum was jointly organized by the UAE Ministry of Finance and the Arab and International Monetary Funds, as part of the preparatory day for the World Government Summit 2026."

The statement added that "Iraq's participation was marked by active engagement in the discussion sessions, which included Arab finance ministers and a select group of international economic experts.

These sessions addressed prospects for economic growth in the Arab region and ways to enhance financial sustainability in light of current global challenges."

He added that "the session's agenda focused on discussing the Arab world's economic and financial priorities for the coming years, in addition to reviewing the key issues and contributions made by the Arab Financial Forum during the decade spanning from 2015 to 2025. The forum also provided a vital opportunity for participants to consider how to develop the forum's tools to best serve their goals, visions, and future needs."

According to the statement, Minister Taif Sami emphasized "Iraq's commitment to strengthening cooperation with regional and international financial institutions in a way that serves the government's vision of achieving financial stability and developing public resource management."

She noted that "this forum represents an opportunity to discuss policies that support sustainable development, while emphasizing Iraq's continued efforts to modernize its financial and tax systems in line with international standards."

The statement concluded that "the forum discussed the most prominent challenges related to the digital transformation of public finances and the role of technology and artificial intelligence in enhancing governance efficiency and improving public spending management.

It also explored ways to strengthen the resilience of public finances in the face of global economic shocks and enhance the ability to adapt to financial fluctuations, thus ensuring the stability of sustainable economic paths." link

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Mot: Always Can Count of ole""Earl"" we Can!!!

FRANK26….2-3-26…….THREE INITIALS

KTFA

Tuesday Night Video

FRANK26….2-3-26…….THREE INITIALS

This video is in Frank’s and his team’s opinion only

Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests

Playback Number: 605-313-5163   PIN: 156996#

What Frank’s suit color’s mean…. FRANKS SUIT COLORS FOR CC'S..... WHITE = NEW INFO…. SILVER = INTEL FROZEN…. RED= HIGH ALERT… PURPLE=GUEST WITH US…. BLUE = AIR FORCE…. BLACK = GROUND/FF’S…. GREEN= MR OR FAB 4 ... GOLD = CHANGE… ORANGE=IMPLEMENTATION

https://www.youtube.com/watch?v=ZHRk9uZebq0

Wealthiest Clients Retired Early After Doing These 3 Things

I’m a Financial Advisor: My Wealthiest Clients Retired Early After Doing These 3 Things

Cindy Lamothe   GOBankingRates   Tue, February 3, 2026

Ever wonder how some people manage to walk away from work years before everyone else?

On average, Americans surveyed said 58 is the ideal age for retirement, according to a recent Empower report that polled 1,001 adults. That’s significantly younger than the age at which most people actually retire.

GOBankingRates spoke with Anna Baluch, finance expert at BestMoney, who works with ultra-wealthy clients, and said it’s not luck — and it’s definitely not just a massive paycheck.

Again and again, the clients who retired early shared a handful of smart, intentional habits that quietly did the heavy lifting.

Here are the key things they did differently.

They Set a Clear Retirement Target — Not Just a Savings Habit

Many people save consistently but never define a specific retirement goal, Baluch explained.

“Without a concrete target, it’s easy to assume you’re ‘doing fine’ while missing opportunities to accelerate progress,” she said.

That clarity changes everything. When people know the age they want to retire and the number they need to reach, saving becomes strategic instead of passive. Contributions increase, investments are chosen more intentionally, and lifestyle adjustments happen earlier — not in a panic years later.

A defined target turns retirement from a vague idea into a plan you can actually execute.

They Knew Their Number — and Let It Guide Daily Choices

“Early retirees almost always had a clear target, whether it was a specific age, portfolio size, or annual spending number,” said Baluch. That clarity shaped daily decisions, such as choosing lower-cost housing or prioritizing investments over discretionary purchases.

Instead of relying on vague milestones, they treated their target like a filter for everyday spending. Big decisions — and plenty of small ones — were weighed against whether they moved them closer to early retirement or quietly pushed it further away.

Over time, those choices compounded. Living slightly below their means, investing the difference, and staying aligned with a clear goal helped them build momentum years before most people even start thinking seriously about retirement.

They Worked Backward From the Life They Wanted

TO READ MORE: https://www.yahoo.com/finance/news/m-financial-advisor-wealthiest-clients-120505299.html

3 Brutal Money Lessons That No One Ever Told You About

3 Brutal Money Lessons That No One Ever Told You About

Heather Altamirano   GOBankingRates

Everyone has to manage bills, household expenses, taxes, and money, yet personal finance isn’t something most people are taught. Financial intelligence learned early can help avoid costly mistakes down the road, but according to Ramsey Solutions, only 26 states require high schoolers to take a course on personal finance to graduate.

Unless there’s someone giving guidance along the way, hard money lessons usually come from trial and error and are often learned too late.

Here are three brutal money lessons that are not talked about enough and how to avoid them.

Spiraling Debt

Americans are racking up more debt than ever. According to the Federal Reserve Bank of New York, consumers collectively owe $1.17 trillion in credit card debt, up 8.1% from last year. Spending can get out of control quickly, and too much debt prevents a comfortable retirement and a strong financial future.

“When you have more debt than you can handle, you often have to tap into your home equity or retirement IRAs to pay off the debt,” said Shelby Rothman, a financial advisor and founder of EnJoy Financial. “Some people are forced to lose their homes or go into bankruptcy, which can cause their credit scores to drop significantly.

 “I’ve seen many people with comfortable wages accrue debt larger than they can handle from buying expensive homes, luxury cars or motor homes. In addition to the debt these items create, they include extra expenses outside of the loan that the budget isn’t prepared for.”

To help avoid this pitfall, live within your means and create a realistic budget that isn’t credit card dependent.

“Understanding the full cost of ownership is the biggest way to prevent debt from mounting. Taking a loan out on an expensive motor home that comes with insurance, maintenance fees, and repairs can cripple your finances,” said Rothman. In addition, she believes it’s vital to plan for unexpected costs and mishaps by at least $1,000.

Ignoring Retirement Savings

A lot of people in their 20s and 30s don’t think about setting aside money for retirement. It feels like it’s so far away, but missing out on compound interest that could help secure finances in later years is a big missed opportunity.

TO READ MORE:  https://www.yahoo.com/finance/news/3-brutal-money-lessons-no-170017457.html

‘Something Fishy’ At Fort Knox: Giustra on The US Audit & Hidden Gold Flows

‘Something Fishy’ At Fort Knox: Giustra on The US Audit & Hidden Gold Flows

Kitco News: 2-3-2026

Is the paper gold market finally breaking?

 Frank Giustra, CEO of the Fiore Group, joins Anchor Jeremy Szafron to break down the recent market volatility, calling the flash crash a calculated "take down" and a "liquidity event."

Giustra argues that after 50 years of dominance, the paper market is "losing its efficacy" as pricing power shifts to physical delivery in Asia.

 In this deep dive, Giustra warns that the US is living on "borrowed time" as the national debt spirals, predicting that the "end of the time of fiat" is inevitable.

He analyzes the White House's new "Project Vault," declares that "globalization is as dead as the dodo bird," and questions the "mystery" of Fort Knox—asking why the US refuses to audit its reserves while China covertly accumulates bullion.

Plus, Giustra issues a stark warning on Bitcoin, stating it is "running out of buyers" and facing a "great unraveling." Recorded on February 3, 2026

Timestamps:

 00:00 Introduction and Market Overview

01:23 Flash Crash Analysis: Was it a "Take Down"?

03:57 Paper Gold vs. Physical Gold: The Shift in Power

07:03 Government Initiatives: Project Vault & Global Competition

12:15 US Debt: Living on "Borrowed Time"

18:02 Global Gold Accumulation: Who is Buying?

20:54 China's Gold Strategy: A "Sanctions-Free" Trade Channel

23:39 The Future of Digital Currencies & CBDCs

25:33 Synthetic Foreign Demand for US Debt

25:53 The Growing US Deficit and Interest Rates

27:31 Stablecoins and Dollar Dominance

28:04 Concerns Over State Surveillance

29:20 The Mystery of Fort Knox: "Something Fishy"

33:15 The Volatile Mining Market: "Early Days"

37:15 The Risks of Bitcoin: "Running Out of Buyers"

42:13 The Future of Gold and Copper

47:07 Conclusion and Final Thoughts

https://www.youtube.com/watch?v=h8VfuKlED6o

IQD Value Drops Second Straight Day, Iraq on the Edge

IQD Value Drops Second Straight Day, Iraq on the Edge

Edu Matrix:  2-2-2026

The political landscape in Iraq is once again at a critical juncture, with the country teetering on the edge of a significant power shift.

At the heart of the turmoil is the election of a new president and prime minister, a process mired in controversy and stalled by boycotts and political maneuvering.

 A recent video sheds light on the complexities of the situation, revealing a tangled web of internal divisions and external influences that threaten to undermine Iraq’s sovereignty.

One of the most contentious issues is the potential return of former Prime Minister Nouri al-Maliki to power. Maliki’s past leadership has been marked by sectarian policies that many believe contributed to the rise of extremist groups in the region.

The prospect of his resurgence has sparked fierce opposition, with some factions determined to prevent him from regaining control. A significant factor in this opposition is the substantial sum of $100 billion held in the Federal Reserve, which some parties are keen to keep out of Maliki’s hands.

The video asserts that certain political factions are deliberately boycotting parliamentary sessions, effectively blocking the election of a president, a necessary step towards selecting a prime minister.

This stalemate has resulted in repeated delays, with the political process grinding to a halt. The situation is further complicated by Iraq’s deeply entrenched sectarian divisions and historical power balances, which continue to shape the country’s politics.

Despite claims in the media that Iraq is asserting its independence from external influence, the video argues that this narrative is misleading. Foreign interests, particularly those aligned with former U.S. policies, remain heavily involved in Iraq’s political affairs.

The speaker suggests that these external actors are playing a significant role in shaping the country’s political trajectory, often to the detriment of Iraq’s true sovereignty.

The stakes are high in this complex political standoff, with both internal Iraqi factions and international actors vying for control. The outcome will not only determine the country’s leadership but also its future trajectory.

 Will Iraq be able to break free from the shackles of external influence and forge a path that is truly its own, or will the forces of sectarianism and foreign interference continue to dominate its politics?

For those seeking a deeper understanding of the intricacies at play, the full video from Edu Matrix offers valuable insights into the ongoing turmoil in Iraq. As the situation continues to unfold, one thing is clear: the fate of Iraq hangs in the balance, and the world is watching with bated breath.

https://youtu.be/gip42Ry0oz8