Sleeping with Cash
Andrew Forsythe May 6, 2021
HERE AT HUMBLEDOLLAR and in many other places, this point has been made: The best investment portfolio isn’t the one that’s theoretically or empirically superior. Rather, it’s the one that lets you sleep at night. What I’ve found, as far as my portfolio goes, is that the necessary prerequisite for a good night’s sleep is one thing above all else: an oversized cash reserve. By that, I mean a cash hoard that can handle not only the most likely contingencies, but also unexpected ones—and then some.
I typically keep enough cash to finance our normal expenditures for at least six years. In fact, with the current bubbly stock market, I’m above that level. To back that up, I also have a decent allocation to bond funds, consisting mostly of an intermediate-term municipal fund in a taxable account and total bond market index funds in retirement accounts.
Back in 2017, author William Bernstein was quoted in HumbleDollar saying, “When you’ve won the game, stop playing with money you really need.” That insight struck a chord with me, and it’s one of the reasons I’ve come to value cash.
I’m less interested in getting richer and more interested in guaranteeing that the modest lifestyle that has served my wife and me so well can be maintained for as long as we remain on this planet, regardless of any curveballs thrown our way.
The importance of a good-sized cash reserve was brought home to me over my many years as a criminal defense lawyer. While my early days often involved more dramatic and serious cases, later on my bread-and-butter business was representing basically good, decent people who (or whose kids) made a mistake or two: driving while intoxicated, drug possession and various other weaknesses of the “there but for the grace of God go I” type.
What constantly amazed me was how many of these seemingly middle-class folks, at a time of real urgency, struggled to come up with even a modest down payment for my services. For most garden variety misdemeanors, I had long believed it was reasonable to ask for a $1,000 retainer, with a payment plan for any remaining balance that stretched over several months.
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Why Governments Are Preparing For Crisis | Dr. Mark Thornton
Liberty and Finance: 18-2026
Governments are suddenly urging citizens to stockpile food, water, and emergency supplies, but what are they preparing for?
Dr. Mark Thornton of the Mises Institute warns that growing economic instability, energy shortages, and political unrest could create a dangerous global situation.
He argues that governments may use the threat of war to consolidate power while advancing greater control over money and financial privacy. He also warns that bank deposits may not be as secure as people assume, while central bank digital currencies and cashless systems threaten economic freedom.
TNT:
Tishwash: Foreign Minister: Washington has officially asked Iraq to close all border crossings with Iran.
Foreign Minister Fuad Hussein revealed on Saturday (November 7, 2026) that Baghdad had received an official request from the United States to close all border crossings with Iran except for two, coinciding with his announcement of the resumption of Iraqi oil exports through the Strait of Hormuz after reaching common understandings with Washington and Tehran, in a move to compensate for huge financial losses amounting to about $60 billion that the country incurred as a result of the halt in exports amid increasing indications of the possibility of renewed war in the region.
Dollar Falls In Baghdad, Erbil
2026-11-08 09:09 Shafaq News- Baghdad/ Erbil The US dollar closed Sunday’s trading lower in Baghdad and Erbil, hovering around 168,500 dinars per 100 dollars.
According to a Shafaq News market survey, the dollar traded in Baghdad’s Al-Kifah and Al-Harithiya exchanges at 168,400 dinars per 100 dollars, down from the morning session’s 168,600 dinars.
Good Morning Dinar Recaps,
GLOBAL DIGITAL FINANCIAL RESET WATCH: BIS ADVANCES TOKENIZED FINANCE AS CENTRAL BANKS PREPARE THE NEXT MONETARY INFRASTRUCTURE
Central banks are moving beyond digital currency experiments and putting new financial infrastructure into operation, creating a foundation for tokenized assets, wholesale payments, and a more interconnected global financial system.
Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.
(RUMOR) TIER 4B – ISO 20022: The SWIFT System Officially Shutdown
THE SWIFT SYSTEM IS OFFICIALLY SHUT DOWN. THE LAST CROSS-BORDER WIRE IS DEAD.
November 9, 2026 (allegedly) marks the end of global financial policing. Legacy networks frame this dark period as a routine “messaging upgrade” or “scheduled decommission.”
Reset Intelligence: Why Is Trump So Calm About the Vote?
By Reset Intelligence | @EXIT_FIAT
On election night Trump was talking about massive fraud. On Sunday, in a long television interview, he did not mention it once.
2 days earlier he made Stephen Miller, his loudest voice on ballot fraud, his chief of staff.
MilitiaMan & Crew: The Truth They Don't Want You To Know | Exclusive News
11-8-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
No drama. No intrigue. No songs and dances. Just straight, factual news that I read and interpret to the best of my ability after being an avid Dinar investor and insanely obsessed Dinarian for over 15 years.
Follow MM on X == https://x.com/Slashn
A Financial Crisis Looms In Iraq... The Deficit Exceeds 36 Trillion Dinars
November 9, 2026 Last updated: November 9, 2026
The Independent/- Data on the implementation of the Iraqi federal budget until the end of September 2026 revealed increasing financial pressures facing the Iraqi economy, after public revenues declined by more than 42% compared to the same period last year, coinciding with the continued rise in government obligations, especially employee salaries and social welfare expenditures, in an indicator that highlights the fragility of public finances in the face of fluctuations in oil revenues.
Good Morning Dinar Recaps,
GLOBAL DEBT RESET WATCH: BANKS GROW CAUTIOUS AS AI BOOM RUNS INTO A WALL OF DEBT
The enormous borrowing behind artificial intelligence is beginning to concern banks and investors, raising new questions about debt exposure, financial stability, and the sustainability of the next generation of global technology infrastructure.
Good Afternoon Dinar Recaps,
GLOBAL ASSET RESET WATCH: GULF STOCK MARKETS FALL AS INVESTORS BRACE FOR FURTHER U.S.-IRAN ESCALATION
Regional investors are responding to rising military and shipping risks, showing how geopolitical uncertainty can quickly affect financial markets and confidence across the Gulf.
KTFA
Sunday Night Video
FRANK26,,,11-8-26….AKI CALLED
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 will Lame Duck Session mean for the World’s Economy
And We Know: 11-8-2026
The global financial landscape is experiencing a period of profound transformation and heightened uncertainty. As economic policies evolve and technological reliance deepens, investors and everyday citizens alike are paying closer attention to the underlying stability of modern banking structures.
In a detailed discussion featured on the And We Know Official platform, financial expert Dr. Kirk Elliott shared crucial insights regarding the growing vulnerabilities within the global monetary system.
Stern Drew: Another Bretton Woods is Coming in the Next 4 Years
11-6-2026
Scott Bessent Confirmed It: Another Bretton Woods Is Coming In The Next 4 years
Treasury Secretary Scott Bessent says “over the next four years we will have to have another Bretton Woods moment to make the banking system efficient.” That’s the reset window.
They’re literally engineering a financial crisis all over again while Scott calling it a “grand economic reordering.”
Why Gold And Silver Prices Surged Up To 6% In Just Two Sessions And What Lies Ahead
By Rohan Takalkar Market News SUMMARY
Gold prices bounced back from one-year lows this week. Spot gold prices surged over 5% in just two trading sessions around the US mid-term elections. The spot prices made a low of $3,874 per ounce this week and bounced back to an intra-week high of $4,146 per ounce on Thursday.
Gold prices have traded 4% lower in 2026 on a YTD basis and the silver prices plunged 27% YTD.
There’s a Different Way
Notes From the Field By James Hickman (Simon Black / Sovereign Man) November 6, 2026
A friend of mine got legal residency in New Zealand a couple of years ago as global tensions rose around wars in Ukraine and the Middle East. He was only half joking about why. His reasoning is that if WW3 breaks out and the nukes start flying, he would want to be in New Zealand.
But he’s not picking up his life, abandoning all caution, and permanently moving to a new country. He just has a plan, and the basics in place.
Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.
Restored Republic via a GCR Update as of Sun. 8 Nov. 2026
Compiled Sun. 8 Nov. 2026 12:01 am EST by Judy Byington
THE MIDNIGHT SYSTEMIC SEIZURE. AND THE LATIN AMERICAN DOMINO SHIELD JUST HIT ABSOLUTE ZERO. …Mr. Pool Final Chapter on Telegram Sat. 7 Nov. 2026
Mark the date. Circle it in deep red. The countdown clock (allegedly) hit zero Sat. 7 Nov. 2026 at exactly 03:00 am EST.
Trump’s Major Iraq Call, EO 13848, and Iraqi Uprising Next?
Jon Dowling and Chris Real World: 11-6-2026
As nations grapple with systemic changes, understanding these diverse elements offers valuable perspective on where our global economy and society are heading.
At the forefront of these international developments is Iraq’s ongoing political and economic journey.
Recent diplomatic engagements and administrative efforts are heavily focused on establishing long-term stability and strengthening national sovereignty. By working closely with international partners, including the U.S. administration, the region aims to foster a secure environment for growth and reform.
KTFA
Saturday Night Video
FRANK26….11-7-26…BUDGET HAS NOTHING TO DO WITH EXCHANGE RATE
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#
Dollar Ticks Up In Baghdad, Erbil
2026-11-08 02:45 Shafaq News- Baghdad/ Erbil The US dollar opened Sunday’s trading higher in Baghdad and Erbil, hovering around 169,000 dinars per 100 dollars.
According to a Shafaq News market survey, the dollar traded in Baghdad’s Al-Kifah and Al-Harithiya exchanges at 168,600 dinars per 100 dollars, up from the previous session’s 168,300 dinars.
The Iraqi Currency Market Is On Tenterhooks... And The Dollar Remains Stable At High Levels.
Last updated: November 9, 2026 The Independent - The exchange rate of the US dollar against the Iraqi dinar remained stable on Monday in the markets of the capital, Baghdad, at high levels compared to the official rate, amid the continued challenges facing the exchange market and the commercial sector, and traders' anticipation of any new measures from the Central Bank of Iraq that may affect the movement of foreign currencies during the coming period.