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Tomorrow’s Election Changes Nothing About The National Debt

Tomorrow’s Election Changes Nothing About The National Debt

Notes From the Field By james Hickman (Simon Black/Sovereign Man)  November 2, 2026

Johnny Moon was homeless and unemployed in the early 2000s. A high school dropout with a bad drug habit, Moon was hardly someone that banks would consider creditworthy.

And yet, over the course of a single year, he was able to borrow more than $600,000 to buy five different investment properties.

This wasn’t some heartwarming “only in America” story of bankers helping a homeless guy turn his life around. This was just sloppy, risky lending. And Moon was not an isolated case.

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Economics, Personal Finance, sovereign man, News DINARRECAPS8 Economics, Personal Finance, sovereign man, News DINARRECAPS8

It’s Hard To Reform A Country That No Longer Shares Values

It’s Hard To Reform A Country That No Longer Shares Values

Notes From the Field By James Hickman (Simon Black / Sovereign Man) October 30, 2026

On September 17, 1787, 81 year old Benjamin Franklin sat in a room in Philadelphia with a speech in his hand that he was too weak to deliver. 

A fellow delegate read it to the Constitutional Convention for him.

Franklin had reservations about the draft Constitution. His speech admitted there were “several parts of this constitution which I do not at present approve.”

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Economics, Personal Finance, sovereign man, News DINARRECAPS8 Economics, Personal Finance, sovereign man, News DINARRECAPS8

Brazil’s Massive Crash Is A Sign Of Things To Come In The West

Brazil’s Massive Crash Is A Sign Of Things To Come In The West

Notes From the Field By James Hickman (Simon Black / Sovereign Man) October 29, 2026

 On Sunday night, Brazil re-elected its left-wing president, Lula da Silva. On Monday morning the São Paulo stock market fell so hard at the open that the exchange halted trading for the first time since the pandemic.  When trading resumed, Brazil’s stock market kept falling.

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Economics, Advice, Personal Finance DINARRECAPS8 Economics, Advice, Personal Finance DINARRECAPS8

6 Attitudes That Breed Financial Failure

6 Attitudes That Breed Financial Failure

By Kentin Waits  WiseBread

Financial success or failure is often the result of attitudes — both conscious and unconscious — that affect our behavior. No amount of budgeting and self-control can help us when we’re up against ingrained ideas about money management, spending, and debt. If you’re having a tough time shifting your financial behavior, maybe it’s time to change your mind about money. Here are six common attitudes that work against us financially.

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Economics, Personal Finance, sovereign man DINARRECAPS8 Economics, Personal Finance, sovereign man DINARRECAPS8

Plan B Options for folks on Social Security

Plan B Options for folks on Social Security

Notes From the Field By James Hickman (Simon Black / Sovereign Man) October 27, 2026

 In the early morning hours of February 7, 1937, a young American named Stirling Dickinson got off a train in central Mexico and rode into San Miguel de Allende on a mule-drawn cart.

He and a Princeton classmate were months into a trip around Mexico looking for a quiet place to write, and a Mexican opera singer had told them to try San Miguel.

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Advice, Economics, Personal Finance, sovereign man DINARRECAPS8 Advice, Economics, Personal Finance, sovereign man DINARRECAPS8

A Condo in this Ghost City Gets You Ten Years Residency

A Condo in this Ghost City Gets You Ten Years Residency

Notes From the Field By James Hickman (Simon Black / Sovereign Man) October 22, 2026

On March 6, 2016, Malaysia’s prime minister, Najib Razak, turned up for the grand opening of a city that did not exist yet, two kilometers off the coast from Singapore.

It was called Forest City, and the plan was enormous. One of the largest property developers in the world came in to build four artificial islands in the strait and put a “smart, green” city of 700,000 people on them, at a cost of roughly $100 billion.

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Advice, Personal Finance DINARRECAPS8 Advice, Personal Finance DINARRECAPS8

Avoid These 4 Common Mistakes When You Get Rich Overnight

Avoid These 4 Common Mistakes When You Get Rich Overnight

September 4, 2025   by  Laura Bogart  GoBankingRates

You’re about to score a financial touchdown. Maybe you’ve crushed it at work and landed a sweet promotion. Perhaps you’ve won a lottery or stumbled into a side hustle that suddenly pays off. As you near the end zone, heart pounding, head full of dreams, you can’t afford (literally) to fumble. Whether you’re blindsided by unexpected taxes or tripped up by bad financial advice, you have a lot to lose if you drop the ball.  

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Economics, News, sovereign man, Personal Finance DINARRECAPS8 Economics, News, sovereign man, Personal Finance DINARRECAPS8

You Could Earn 6% On Your ‘Plan B’ Home Abroad

You Could Earn 6% On Your ‘Plan B’ Home Abroad

Note From the Field By James Hickman (Simon Black / Sovereign Man)  October 15, 2026 

For a lot of Americans, the beachfront condo has become unattainable.  In Naples, Florida, the median beachfront condo on the market is listed at about $2 million. And that’s before factoring in condo fees and skyrocketing insurance costs. 

Now compare that to an apartment we found during research for members of our flagship service, Plan B Confidential, in João Pessoa, a midsize beach city on Brazil's northeast coast. 

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Economics, Personal Finance, News DINARRECAPS8 Economics, Personal Finance, News DINARRECAPS8

16 Retirement Mistakes You Will Regret Forever

16 Retirement Mistakes You Will Regret Forever

From saving too little to taking withdrawals from your retirement account too early, there are plenty of ways that current and future retirees can sabotage their golden years.

By Bob Niedt Contributions by Kathryn Pomroy, Alexandra Twin Last updated October 7, 2026 In Features

As more and more baby boomers and Gen Xers anticipate a happy retirement, thoughts turn from worry over the workday slog to concerns about how to bankroll their golden years. How prepared are you? How much money do you need to retire? The 2026 Planning & Progress Study by Northwestern Mutual says that number is $1.46 million.

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Economics, News, Personal Finance DINARRECAPS8 Economics, News, Personal Finance DINARRECAPS8

Should Paper Checks Be Abolished Like The Penny?

Should Paper Checks Be Abolished Like The Penny?

Good Partner  Tue, September 8, 2026 Jay L. Zagorsky

While Americans are writing fewer checks, they haven't abandoned this means of payment.

Germany is getting rid of paper checks at the end of 2027. Australia is bidding them farewell by 2030. U.S. President Donald Trump followed up his order killing off the penny with an executive order stopping check writing by the federal government.

Should the U.S. follow these other countries and broadly eliminate the ability to write checks?

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Economics, News, Personal Finance DINARRECAPS8 Economics, News, Personal Finance DINARRECAPS8

The Surprising Risk Of Having Too Much Cash

The Surprising Risk Of Having Too Much Cash

September 17, 2026  Fidelity

Investing in stocks and bonds may reduce some types of risk and enhance return potential.

There are many wonderful attributes of cash and short-term investments. Money held in a bank account or in a short-term investment like a money market fund is generally easy to access. The risk of volatility or loss is extremely low—or even nonexistent. Many short-term options, like money-market funds or short-term CDs or Treasurys, even pay interest.

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Advice, Personal Finance DINARRECAPS8 Advice, Personal Finance DINARRECAPS8

6 Common Excuses for Not Saving Money 

6 Common Excuses for Not Saving Money   By Tara Struyk

Have you ever settled on a new exercise program, only to get a bad cold a few days in and happily throw yourself on the couch, relieved to have a handy excuse? Excuses must be human nature; I know I usually make them when I'm facing something that’s new, that's hard, or that I just don’t enjoy. And I’ve certainly made excuses when it comes to money.

In the years that I’ve been writing about personal finance and investing, I’ve also heard my fair share of excuses, mostly from readers who don’t agree with my advice. The problem is, unlike good financial habits, excuses are easy to come by, even though most of them just don’t stand up to reason. Check out some of the ones I’ve heard most frequently so far.

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Economics, Personal Finance, News DINARRECAPS8 Economics, Personal Finance, News DINARRECAPS8

What Should I Do With Cash Sitting In My Bank Account?

What Should I Do With Cash Sitting In My Bank Account?

Published Sep 23, 2026   Sergei Klebnikov

Idle cash refers to money that is not invested, not needed for daily expenses and not reserved for future purchases. When cash sits uninvested and earns little yield, it loses purchasing power over time, especially during periods of inflation and rising costs.  But putting idle cash to work doesn’t necessarily mean seeking the highest available yield.

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