(0:00 - 1:08) The signs have been there for years now, for anyone with a knowledge of economics to read. We are headed toward a global financial collapse in which fiat currencies will become worthless. This has happened throughout history. Fiat currencies, that is, government-issued currencies that have no intrinsic value, always fail in time. When the American dollar was first issued in 1862, it was worth one dollar. Today it's worth three cents. The Canadian dollar is no better. The economy of the German Weimar Republic collapsed in the 1920s due to excessive borrowing and money printing that led, by 1923, to a loaf of bread costing 200 billion marks. And the entire world, including Canada, is on the same path today. Government debts are now well beyond the ability of any government to pay. The globalist cabal wants to usher in central bank digital currencies and digital IDs to replace our current failing fiat systems. We all know where that will lead. (1:09 - 2:11) But whether they succeed or not, the fact remains that the current system will collapse. So whether you are a high-net-worth individual with substantial funds to invest or someone barely getting by, there are steps you can take to protect yourself, your family, and your future when the inevitable collapse comes. Gentlemen, welcome back for part three of this series on preparing for what is undoubtedly going to be a massive economic collapse. All the signs are there. We've covered that in the last two sections of where we got, how we got to where we are now, where we are now. And one of the things I've learned as a journalist is that while people do want to know what is happening, what they want most of all is to know what is going to happen. And that's what we're going to talk about in this part three, what's coming and how we prepare for it. Adrian, we're going to have you start. You've given us two great presentations already. (2:11 - 2:16) Please give us the last one. Okay. I'm going to share my screen here. (2:16 - 2:31) Can you see it? Yeah, go for it. All right. In this final part of a three-part series that I had written three articles on, I'm talking about the financial firewall, how to survive the financial reset. (2:33 - 3:28) As we approach a full-scale financial reset, many are still clinging to the illusion that their registered accounts, mutual funds, and bank savings are safe. They're not. And it starts with gold. Peter J. Merrick and my co-author and I expose the escalating threat to our wealth and offer a practical asset-by-asset survival plan. The final installment of the three-part series outlines a proven hierarchy of ownership from physical gold and farmland to private insurance, jurisdictional diversification, and to help us protect what we have built before it's too late. If you do not act early, you risk being reclassified from owner to user. You must shift from thinking about returns to thinking about control. What you cannot touch, cannot hold, and cannot use without permission is no longer yours. This is your roadmap to survival. (3:30 - 3:44) Now, I'm just going to go over some of the previous slides that we've had and previous shows that we've done. I'm just going to update this particular chart. It reveals the fragile illusion supporting the U.S. banking sector. (3:44 - 8:46) While if you notice the total unrealized losses on health and maturity and available for sale securities has temporarily shrank to $413 billion, a $67.5 billion dip driven by falling long-term interest rates in Q1, the reprieve is already vanishing. The drop in the 10-year treasures and 30-year mortgage rates gave banks a brief cosmetic improvement on their balance sheets, but this is temporary. This is not a recovery. It is a statistical sedation. The rates have crept higher again since last quarter. These paper losses will be ballooning once more very soon. The numbers may look better on paper, but beneath the surface, the financial foundation remains cracked and vulnerable, waiting for the next rate shock to finish the job. Canada's charter banks have quietly funneled an unprecedented tidal wave of debt into the hands of builders and developers, pushing total lending from under $10 billion in mid-1990s to over $80 billion in 2025. This parabolic rise since 2020 revealed not a thriving economy but a system addicted to debt-fueled speculation. Policymakers promised affordable housing, but what emerged instead is a debt-driven building frenzy detached from fundamentals. As demand falters as it is already happening, or rates spike, this tower of developer credit could collapse into a cascade of defaults, dragging banks, pensions, and taxpayers down with it. The warning signs are not hidden. They are screaming upward on every chart, yet the system keeps pumping, praying that the music does not stop. I think Toronto had the most cranes of any city on a per capita basis building high-rises, apartments, and a lot of those were pre-sale condominiums being sold. Right now, people are walking in those condos, the sales are collapsing, people aren't completing on those sales. Those developers are sitting on buildings that they can't find buyers for. That's part of the reason why the Toronto market is down so much, especially in the condo market. A sudden storm is brewing in Canada's mortgage market. This chart reveals that over one-third of all mortgages at major Canadian banks will renew in 2026 and 2027 at rates likely far higher than when they were originally signed. As interest rate payments surge, thousands of homeowners will be thrust into financial distress, facing monthly bills they can no longer afford. What was once manageable debt becomes a trap, locking families into negative cash flow, rising defaults, and forced sales. Behind every percentage point is a household on the brink. This is not just a renewable cycle, it is a countdown to widespread insolvency disguised as a banking statistic. You will own nothing and will be happy because you can't afford to own what you own. Since the crazy peak in February of 2022, prices in Canada have plunged about 18% Canada-wide. Individual markets like Toronto, for example, have fared much worse. From peak in February 2022, the Toronto market is already down 21.18%. In Vancouver, the market from peak in March is down 3.8%. Vancouver has been a little bit more stable, but the writing's on the wall. Some of the big-name pundits in the real estate space are saying that the market is actually frozen right now, that nothing is selling. I think we're going to start seeing the same kind of downward price pressure in Vancouver as we saw in Toronto, the two most overvalued markets in Canada. This chart does not show financial strength. It is a warning. A handful of tech giants now dominate global markets. The rest have become irrelevant. This concentration is fragility. One shock can trigger a global collapse. Every pension, ETF, and retirement fund is exposed. Diversification is gone. Growth is fading, and confidence is cracking. That is why you must de-risk your wealth now. Shift away from over-concentration. Protect what you cannot afford to lose. This is not prosperity. It is a single point of failure. Most bank-managed neutral funds are closet indexers. They're going to mirror the index. They have market risk. They're not managing their portfolios to de-risk you away from the market risk. They are the market. (8:46 - 10:07) Your mutual funds, especially if you own mutual funds from a bank, are high risk regardless. This chart confirms the same risk shown in the previous one. A handful of tech giants now dominate the market returns. The rest of the economy is being left behind. This is not diversification. It is dependence. As in 1929, an extreme concentration is masking a fragile system. Back then, names like RCA and U.S. Steel led the rally while the broader economy weakened. They had the same situation in 1929. It was an over-concentration of a few very big over-valued stocks. But when those stocks collapsed, it took the market down with it. When the crash hit, the fallout was universal because everyone was exposed to the same few names. Today is no different. One shock could trigger a global collapse. That is why you need a strategy to de-risk your wealth before the system breaks. It starts with gold. It outlines how to move away from over-concentration, protecting purchasing power, and preserving financial freedom. The warning signs are clear. Now is the time to act. The risk pyramid from concentration to control. How do you protect yourself from an coming global financial reset? It starts with understanding how risk is stacked. (10:08 - 10:31) At the top are assets under your direct control, physical gold, silver stored in non-bank vaults, farmland with clear title, and private rental property. At the bottom are assets linked to government systems, pensions, tokens, tokenized property, and sexually managed investments. The further you are from real tangible ownership, the greater your exposure to loss. (10:32 - 11:30) What can Canadians do now? Move away from passive investing and paper assets. Secure real assets, vault precious metals, privately held holds, farmland, and cash-flowing real estate. Use whole life insurance to protect wealth transfer. Do not fall for the bait of tokenized convenience. When trust disappears, what matters is what you can hold, trade, and pass down. Gold, land, business, local trust networks. These are all your firewalls when systems freeze. They are not just investments. They are your lifelines. (11:32 - 13:44) The window is still open. The tools still exist. You can reposition your assets before they are locked, seized, or redefined. A solution is outlined and it starts with gold. The book is not about gold. It is about why you need to own it. Again, co-authored by Peter J. Merrick and It Starts With Gold. It draws on over 70 years of our combined experience helping Canadians protect what matters most. Grounded in legal, economic, and historical facts, it gives you a clear roadmap to safeguard your wealth before control slips away. Get it, read it, share it. The time to prepare is now. It starts with gold. Equips you to act, not react. Take back control. Again, we are offering a complimentary PDF download of the book. Just scan the QR code to get your copy instantly. If you prefer to listen, use the Speechify app to turn it into an audiobook right on your phone. We are giving away this book because the message is urgent and needs to be shared. Most who read the free version end up buying the book anyway and then passing it on. Protect what you still control. Read it. It Starts With Gold. If you want to apply the de-risking strategies outlined in It Starts With Gold, just book a private consultation to see if your portfolio is truly fortified against what's coming. I offer a comprehensive review and a second opinion to help you protect what you still have control over. Contact details will be in the description. I believe you had some comments you wanted to make on that before we move on to Warren. Yeah. There's a couple of big things. We're talking about the future. A big thing for a lot of people is retirement. The question that I'll pose to everybody is if you don't trust the banks, if you don't trust the government, why would you want your money sitting in their control, which is effectively what registered accounts are? I've had a lot of clients in the last six months or so really shine a light on something for me. My mom is an accountant, very disconnected from all the stuff that I talk about. We fight about this all the time. (13:45 - 20:28) Bless her heart, love her to death, but we very much disagree on what's happening in the future. She has pounded into my head, as the TV and everybody else in my lifetime has pounded into my head, get your money into RRSPs. Get your RRSP, get it in before the date, blah, blah, blah, blah, right? Well, why were they saying that? What is the purpose of that, right? Publicly and what the government has told us is we'll give you less taxes now if you pay your taxes later, right? Because the whole purpose of a RRSP is a tax deferred vehicle, right? I put money in there now, it's safe so I don't pay taxes on that. It reduces my taxable income. And when I retire, I have that money. I'm going to take that money out when I'm making less money so I get taxed on it less, right? That's what they told us. But what does this actually look like in practice, right? And I didn't really understand this or the value of it until I started talking to clients that were actually going through this, right? So I've had clients that have said, basically, I've got $200,000 sitting here. This is I have my house and my retirement savings plan and my RRSP, and that's all my retirement money, all of it, right? I can't access this $200,000 because if I do, and these are people that are retired, it affects my tensions, right? And this is the big thing that I didn't realize is that if you pull out more money than they allow you to, it affects how much money you get from your pensions and old age security, all those sort of stuff, because you're taking in income. So in my mind, effectively, effectively, what this this structure, if you will, has created is they're holding over you a maximum amount of standard of living, you can only take out this much money, you've got this much money, so it'll last you x amount of years. And we control it. And we basically have this valve that we can determine how much money comes out of it, and how much money you have access to based on what we're saying, because if you take out too much, we're going to reduce the amount of money that we the government give you, right? And so the reason that I'm bringing this up is that you, the individual that is thinking about retirement is, is my money going to be there when I need it? And am I going to have access to it? And is it going to be worth something? Are my investments going to give me value? Right? So those are the three big things, right? So when I tell people, if you have a financial advisor, go to them and ask, Hey, I'm concerned about the economy and where it's going. I'm concerned about government regulation, how are you financial advisor going to protect my money? And if what happens in 2007 2008, which is a big recession, the the stock market crashes, how is my money protected, especially if you're in mutual funds, because that's basically all in the stock market, right? And so if you ask those questions of yourself and your financial advisor, if you don't like the the answers that you're getting, well, this is the time to take action, right? And so when when I tell people this, and I try to explain this in this way, for this reason, is that if you want the money that you've saved over your lifetime, you have an option, you can either say, especially with us, you can say, Hey, I don't trust any of these idiots, I'm just going to put this inside of like the money that's in my retirement, my retirement funds, I'm going to back some of that up with red with precious metals, I'm going to talk to Adrian, I have alternative investments that are hard assets that are not exposed to the stock market, or you can pull that money out of there, right? Those are the two options, basically, if you care more about protecting what you have, rather than significantly increasing or getting a yield on what you have. And if you're kind of at this point right now, like all of the stuff that we've talked about is all really bad news, right? So a piece of good news that I can give you is that you have the option right now to take action and position yourself so that this isn't going to wipe you out. So when I talk about that 10 to 20%, right, of your net wealth into precious metals, that's one of the options that you have to say, at least I won't be wiped out, right? A big thing that a lot of people have is I have my house as my asset, well, how much money is actually on or debt is on that asset. If you have gold and silver that you'll do a 5x or 10x, would that pay off your debt? Would that still give you enough money to get rid of all of your debt, right? Because a lot of people ask us about how do I get rid of my debt? Well, this is one of the potential ways that you can use precious metals to accomplish this goal. And so I just wanted to briefly overview what I'm seeing as a broker and Warren's seeing this a lot as well, and he'll explain it from his perspective. But I'm seeing a lot of people that are worried about their retirement, worried about their future, and they can't access the money that they've set aside and saved for their retirement. So I think it's really important for everybody to consider and look at what is your portfolio look like and what are you trying to accomplish long-term. And if you don't think that the registered account structure is going to be there for you, or you're going to be able to access that in the future because of what I'm just saying, well, now's the time to take action. So I'll leave it there. And I'm going to add my own account, my own comments to what you've just said, Bryce. There's that old joke that's told about the two guys are out hiking and a bear is coming down the path towards them. And one guy turns around and starts running away down the path. And the other guy says, what are you doing? You can't outrun a bear. And he turns around and he says, I don't have to outrun the bear. I just have to outrun you. And let's put some things together here. I know that's kind of a funny way of introducing this, but it's a very important concept for people to understand. Because a lot of you who are watching this are people like myself. My wife and I, we're not wealthy people at all. You don't have half a million dollars, a million dollars to put into precious metals. But hang on a second. When the whole system collapses and there are limited resources, food, whatever, to go around, the people who will survive that, will weather it, are the ones who have physical assets, something that actually has real value. And if you're part of that 1%, you just outran 99% of people. So keep that in mind. Warren? We did an analysis and it starts with gold. Back in the Weimar Republic, if you had a house and that's all you had, and you sold that house prior to the hyperinflation, if you truly believe that we're heading into a hyperinflation environment, if you took that house at the beginning of hyperinflation and bought an equivalent amount of gold, at the end of that phase of hyperinflation, you could take that same amount of gold and buy 20 houses. Yeah. I heard about the stories in the Weimar Republic where there was owners of these big buildings that could no longer pay the staff, keep the buildings running. (20:28 - 20:52) And so people that had gold that didn't have, previously weren't wealthy, they bought the buildings for gold and they bought these big buildings outright. And yeah, that's related. If you believe we're heading for a similar scenario. (20:54 - 21:12) That's one of your options, exactly. Yeah. Okay. So should I go on to, I'll talk about now what we offer and what options we have for precious metals. Okay. And a little bit about who we are, not too much. (21:13 - 22:22) So we are gold and silver brokers. We're based in Calgary. We have customers in every province of Canada and also international because we have an international wholesale bullion account that in these times we think it's really the best overall value, but we offer other things too, which is delivery at home. And like Bryce was talking about, way to hold physical precious metals in a registered account, a Canadian registered account such as an RSP, TFSA, RIF, all of them essentially. We only deal with physical gold and silver. We call it, it's LBMA approved, which means London Bullion Market Association approved. All the gold and silver is 99.9% pure or higher. And the LBMA standard is about 59 minutes in refineries. So basically you want to own gold that is recognized around the world. (22:23 - 22:56) We're not dealing with collectibles or unrefined gold, for example. So yeah, we're a team of precious metals brokers, clients in every province. Like you're saying, we have clients with large net worth. We have a corporate account where businesses can invest in precious metals. We have one of the biggest companies in Alberta invested with us, but we also will help the regular average day person. We have a $5,000 minimum. (22:57 - 23:12) So that's what I like too. We have the ability to help wealthy individuals, our companies, but also just average person trying to protect their wealth. So we talk about compliance there. (23:13 - 24:45) I think I'll go to another screen, but basically we have to follow anti-money laundering and anti-terrorist financing. So we have a compliance team. And quite frankly, that's what you want to do. You want to work with companies that have this background. Everything's above board. We're also pretty fast. We're quite nimble. Well, there's about 15 of us. We count everybody in the back office and everything, but we're a small company and pride ourselves on customer service. Okay. So we're brokers and we broker for two large entities. One is Precious Metals International. We call them PMI and they are the provider of the international wholesale bullion account, which lets you hold physical bullion in a Cayman Islands jurisdiction. And that's the one based on what's happening today to have some wealth outside where we live in a different jurisdiction is a positive thing. Yeah. We're fast growing. We're also partner with Questrade. Questrade is the only financial institution in Canada that lets us hold physical precious metals in those registered accounts, the RSP, the TFSA. And we have been with them for seven years. I think we're not the only ones. I always tell people that we're not the only ones that can broker precious metals with Questrade, but we know the program very well. (24:45 - 26:16) I think we're their second broker. Now they have five or six, but with both PMI and Questrade, we have a long established history with them. There's the anti-money laundering and terrorist financing act that we follow. That's in the FinTrack laws of Canada. We have a better business bureau accreditation. And one thing is almost as important as to say we are not financial advisors. For example, I cannot do what Adrian does, which is advise you on all kinds of different investment options, but we know physical precious metals very well. We have a newsletter actually that comes out every month that's all about precious metals. And our founder, Greg Mather of New World Precious Metals, he's been in precious metals about 30 years. He always writes commentary in the newsletter, so it gives us a lot of depth. In fact, Greg, in Canada, his family owned a coin exchange in Medicine Hat, and he developed a love for especially silver that he's stayed with him all his life. But yeah, great analyst. I follow a lot of people myself, and I can tell you Greg is really good. But yeah, we focus on precious metals, not the other things. There's our partners again, Precious Metals International, the provider of the international account, and then Questrade for those registered accounts. (26:17 - 26:59) So here's our options that we have to invest in precious metals. One is that international account. I like it for a lot of reasons. Not only is it outside, you can access it outside of the country if need be, but they have things like a pre-approved line of credit. You can borrow against your gold and silver holdings. It's like a collateralized loan because they have your physical metal as collateral. They'll do that. You can also get the metal delivered to you, so you can have your gold and silver shipped to you. This is a vaulted solution, but you can convert it, have it shipped back to you, and you can have it shipped to you outside the country. (26:59 - 28:02) They have vaults around the world. They have vaults in Canada, the U.S., the Caribbean, Switzerland, Singapore, Australia, and Hong Kong. So they're well distributed strategically around the world to serve all continents. The other thing we do, which I briefly talked about, is those registered accounts. So this is holding physical gold and silver and the Canadian registered accounts, the RRSP, the TFSA, the Lira. We can also help our American cousins in their 401 and IRAs. They have a little bit of a different rule set for that, but essentially it's the same. In this scenario, all the rules of these accounts are all the same, except instead of holding, say, for example, a mutual fund or a stock, GIC, or what have you, those instruments, bonds, you're holding physical metal. It is stored for you in Canada. (28:04 - 28:15) It's usually Brinks. There's one in Ontario. There's one in Alberta. Stored for you. What I like about that, Brinks is a 100-year-old company. They're not owned by the government. (28:15 - 30:42) They're almost in every major country around the world. So they're a 100-year-old company with a great track record. Both these vaults are really high security vaults, but I'll talk about that in a minute. The other thing we do now is we can deliver precious metals to your home. Why would you work with us on that? Well, first of all, we can usually get the price a little bit better than the public can get. The good thing, however, in Canada right now is that wherever you buy precious metals for home delivery, to hold yourself, the prices are very close. They're very similar. Wherever you go online, you can buy precious metals online now. You won't see a big difference. That's good for the consumer because there's quite a lot of competition. You might want to work with us because we work with North America's largest suppliers. So we always get things that are in stock now. None of this backordering. It's fully insured to your doorstep. It's discreetly packaged. We don't require all your identification to get that metal to you. We just require a shipping address. But you do have to pay us before we ship it. So we do that. But I guess what I'd like to emphasize there is we're not unique in number three, home delivery. You can get home delivery precious metals still pretty easily. But as we go up backwards, registered accounts, there's five or six of us in Canada that do this. The international account, there's about four or five of us in all of North America that can deliver the whole aspect of that program. We're lucky enough to be one of them here in Canada. And we have a 20-year track record, thanks to the founder Greg Mather, who did work with that program before he opened New World Precious Metals in 2016. Okay. So now this is a slide I put together just as you guys were talking earlier. Bryce asked me to do this. And so I'm going to give you a little bit of background on my own journey with a registered account. So I had an RSP. And for me, the pandemic, I self-employed. The pandemic, I actually owned a fitness studio. I had two of them with my daughter. (30:43 - 33:51) The pandemic was really tough on a fitness business in general. We lost about 60% of the industry during that time. Anyway, I got into a bind with cash, a real serious financial problem I've never experienced in my life. And so no cashflow. But I did have that RSP that I contributed to for about 20 years. My background is software engineer, and I was able to make a decent living. And I contributed to an RSP, like many of us do in Canada, for the tax sheltering that it gave me to go tax-free. I redeemed it in 2021. And I paid that 30% tax. So I basically took the whole thing out. And we're bringing this up because this comes up a lot with clients, because many Canadians have invested in those registered accounts. And we're not tax advisors either. When you take out a registered account, when you redeem it, there's tax implications, except the TFSA, which is truly tax-free savings. And so that's what I did. But I also want to tell you how I rationalized it, what my thought process was at the time. Well, I mean, the first one is I needed the cash. I'll admit that. But also that my expression myself is, the government will get their pound of flesh eventually. Like Bryce alluded to, they will get their tax. So I thought, let's get it over with. Let's pay them some of that tax. But I needed some of the cash. I propped up my fitness studio. But then I also invested the majority of it in our international wholesale account, which is outside the government, outside banks. And it has a borrowing facility. You could borrow against it if you need to. Because it's a wholesale bullion account, I also rationalized it by I saved pretty well 10% at the time. See, in precious metals, there's what's known as the spot price, which is the whole world looks at. That makes it very liquid, because the world looks at those spot prices that come out of London every day. And silver, to a lesser degree, the New York Exchange. And we all use that same price. But we can't buy physical precious metals at the spot price. There's always a premium. Right now, the premiums in Canada are quite reasonable. They're quite low. We've seen a lot higher premiums. They're some of the lowest in the last 15 years. In fact, in Canada, the retail market has not woken up yet. But this is when you should buy precious metals, right? Not when it's gone through the roof, when the prices are still low. (33:52 - 37:04) In the pandemic, to give you an example of premiums, right now silver is approximately, I'd say 10% to 15% above the spot price. That's a premium to buy coins and bars to hold those. In the pandemic, for a couple of weeks, about six weeks, we saw premiums of 40% on silver, because they're worried about the supply chains. Do you remember when vehicles were expensive like that and so on? Anyway, now this is the harder one to quantify, which is what about government overreach of changing the rules, maybe reducing some of the tax sheltering that we get, perhaps changing the ages. Right now, if you have an RRSP, the law in Canada states that when we're 71, we have to convert it to what's called a RRIF, a registered retirement income fund, and then do mandatory withdrawals. Maybe they change that, because we have to realize that the government is in trouble. They don't have enough funds. They're still in a deficit. Who holds the most wealth now is the baby boomers. I envision the government having a dashboard of all these registered accounts. They can see everything, and they say, look, if we eliminate some of the tax sheltering of this account, this is how much revenue or incoming funds to the government coffers it will result in. It's harder to quantify will this happen, but again, I always go back to the government's shown their true colors by shutting down our bank accounts, and they keep implementing bills that are restricting us and making it easier for them to take away our wealth, such as what is the one recently was the tax on your primary residence, maybe making that taxable on your equity, something you've maybe worked for all your life. Anyway, so why Bryce asked me to do this is that we know many people, many of our clients have these registered accounts, and again, we're not tax advisors to tell you to take it out. You have to be aware of the tax implications, but there's benefits of doing so, and this was my own rationalization, so hopefully that was of some use. Well, now this is the last slide I have. I'm going to summarize the international wholesale program, the benefits of it, because like I said, I think it's the best overall option for most of our clients. Okay, why do we like it? It's very liquid, meaning you can buy and sell quickly. Precious metals are denominated in U.S. dollars. They're like a lot of other commodities, such as oil. It's the pricing on the world market, so we buy and sell in the world market, so it's very quick to do so. It's very liquid. (37:06 - 39:39) You can have the bullion delivered to you. Maybe you are invested in this program. It's done very well. You're looking at it online, and you say, listen, I want it in my hand. I want some, and maybe you're outside the country. You can get it delivered outside the country, so we like that option. There's the vaults. I think I mentioned that earlier. They're distributed around the globe. You can see your account online all the time. The vaults, whether it's Brinks or IDS is another company that's used. IDS is one of the most modern. It is the most modern precious metals vault in North America, but what you want to do, whether you work with us or someone else, if someone's vaulting your metals, make sure that it's UL Class 3. It's a high security, so you have seismic detection. You have armed guards. You should have offline security as well, and that's what you get with this program. There's the financing. They will lend you up to 80% of your market value of your physical precious metals. I don't recommend my clients borrow that much. Myself, I'd be more conservative, but it's there, and you could think of it as an instant line of credit if you ever needed it. There's the prices. I like it. That's very transparent. We can see right here it's 5% to 7% above the spot price, and the selling is 3% to 5% above the spot price. If you go to most any exchange in Canada to buy silver, for example, like I said, you pay usually 10% to 15%. It's not just that. It's that the fact that this doesn't change in this is premiums. The spot price also doesn't change. It is 1.4% per year. There is no other, with the storage, I want to emphasize there's no other ongoing fee. There's no management fee. I look at that 1.4%, which it costs something to have armed guards and seismic detection, of course, and it's fully insured, but I look at it, I compare it to say someone managing your money. If you have a mutual fund, there's always a money manager that gets paid to manage the money, and I look at that 1.4% as that. There is no other ongoing fee. (39:41 - 47:34) PMI, the provider of this program, Precious Metals International, they've been in Canada for 23 years. It's not a new thing. I like that. They have a long track record. They're a Cayman Islands registered company. It's also the banking system, like we said. You do get this newsletter with us no matter whatever option of Precious Metals you might purchase from us, but we have that newsletter. Overall, I just think this has audited the Precious Metals. They're fully allocated. You have your account with the PMI. I believe it's overall a really safe, secure investment. I'm an investor myself since 2021. Basically, that's it. That is the wrap-up of what we have and what we offer. We really encourage you to talk to us. I think you leave something, don't you, Will, for people to connect? Yes. They'll find the links beneath this interview on the Iron Wire and on most of our social media posts as well. Yeah. Okay. Thank you very much once again for the opportunity to come out here and share this information. I just want to reiterate, we have these great solutions, but maybe your audience is watching. I have a lot of people that come to me and they say, well, I've not done this before. I don't know anything about gold or silver. Be reassured that we take our time. I sometimes have calls. I've known around the company for doing this for two hours. I believe that the more Precious Metals are capped from us in the financial world, they don't want us to own them necessarily. Education is a part of it. We do also monthly Eventbrite webinars. I'm open for public speaking, so is Bryce. This is our business, of course it is, but we also want to stress the educational part of this. We want to get the word out to people. I don't want to be the only person that holds Precious Metals because that's not good. We want our communities to have them so all the boats float up together. I call this financial sovereignty. I think that's what this is. It's a way for you to have control of your finance that's outside of this system that's crumbling before our very eyes. I think I'll stop there. I know, Adrian, you've got a question. Just kudos for Warren. The clients that I work with in conjunction with Warren, they all praise Warren for taking the time to explain the options that he cares deeply for the clients. I just get nothing but raves about Warren. Thank you, Adrian. Warren's a great guy. A lot of elderly people are going to get hurt here. They got the money and these pensions. I invested in the stock market, like you were saying, Bryce, mutual funds, the stock market, and we haven't seen a crash that's coming, whatever we call it, crash, reset. We haven't seen this, and I think a lot of older people, especially older people, are going to get hurt. There is some compassion here, but I'm also very happy that we offer different things. It's physical. It's very honest and transparent. I'm grateful for the opportunity to do this, too. Of course I am. I make a living myself. Thank you, Warren, Adrian, Bryce, I believe you have a presentation for us that's going to wrap all of this up. Yeah. As I mentioned at the outset, when we started in the first section there, I mentioned that there was somebody that got me to come out and do a presentation to their community. If anybody wants me to come do this, I'm happy to do this. I didn't charge anything from it. Just let me sell a bit of gold and silver to your community, and that's good enough for me. I really enjoyed doing this because I really want to stress the immediacy of all the things that we're talking about. You've done a fantastic job educating people, doing these great interviews with all different areas of the economy and society as well. I think it's really important to understand how important this battle is. This battle is against all of us. All of our families, all of the things that we care about, all of the assets that we have, they're all on the chopping block because a group of people basically decided at some point, screw everybody else, I'm going to take what I want. They want to take everything that we have. In my mind, screw them, and we have to fight back. This short presentation is a piece of what I put together, and I just want to summarize all of these ideas into something that's actionable. I'm going to share my screen here. This is what I call this. You've probably noticed by now as long as you have that I'm a very blunt person. I try to get down to the actuality and the core of whatever I'm talking about to make sure that it is clear, concise, and relevant to the thing that we're talking about at hand. The only thing necessary for the triumph of evil is for good men to do nothing. Classic quote. I really like that one. I've showed this a number of times before, and this is basically what we're looking at from an economic point of view. This is on the left. This is what happened in 1929 all the way down to the crash. Adrian showed a little bit of this. This is an 80%, almost 90% decline in the stock market, and it took 20 years to get back to this level. If you had bought into the stock market at this time, it took 20 years to either you lost and you sold at some point to get something back, or it took 20 years, basically two generations almost, to get back to where it was. This is where we're at now. We're in historic, unprecedented times. I usually don't like using that word, but it's the perfect word for what we're in. We're in uncharted territory in the financial history of our society and certainly for the US dollar. The ultimate four horsemen that we face here are war, debt, communism, and corruption. I'm not going to go into deep detail about all of these, but this is the general thing that we're facing. Communism specifically. I despise communism. The people that believe this stuff are just ridiculous. They don't know what they're talking about. What we've seen over history is that the people and the communists that care more about the state or the community rather than individual rights of the family are always willing to sacrifice others for their ideals. I'm a very big believer in freedoms, western values, freedom of speech, freedom of transaction, freedom to assemble. All of these things that we say we believe in, we're losing right now. These examples here are what some of these have happened. This one didn't, thank God, but they're going to come back eventually. Carny has been installed to push the end game of where these things go. C-21, the disarmament of Canadians, only tyrants do that. Criminals and tyrants are the only people that want you defenseless. I don't want you to be defenseless, both in a social and economic standpoint. To be able to defend yourself, you have to have resources, skills, and assets, which I'll get to in a sec. The government is supposed to do these five things. (47:34 - 48:49) Protect the people, manage our money, protect the country, build and maintain infrastructure, and write and enforce laws. That's generally what a government is supposed to do. Why are they not doing that? Well, corruption, incompetence, ideology, hidden agendas, and this is the big one, is that we have really no ability to push back on somebody that is not doing what they're supposed to do. How do I guarantee the accountability of a leader if they're not doing what they're supposed to be doing, or if they're corrupt, or useless, or whatever? Our democratic system has really failed us in this aspect, is that we don't have a mechanism to remove people when they screw around and do something bad to us, or the country, or both. And there's people out there that have told us, I'm going to do evil to you. What we generally consider evil is murder, theft, corruption, stealing, all of this sort of stuff. And these people have basically said, we're going to eliminate you, because we say so. Because that's what we think is good for the planet, and our little group of cool kids group. And this is a declaration of war. A war means I'm going to take everything that you have that benefits me. And if you try to stop me, I'm going to use force to do so. That's what a declaration of war is, and that's what they're effectively doing to us. (48:49 - 58:49) So if you don't want to be around that, if you don't want to live under this, and you don't want to live in this system, which is digital IDs, central bank digital currencies, microchips, or control, this is the bio-digital convergence. There's a couple names for this. I just use microchips as a placeholder for the connection of digital IDs, central bank digital currencies, to your physical body. That's what that means. And then if you're placed in 15-minute cities, this is the enslavement of the species, of our civilization. I think it's important to mention at this point, is if we lose this battle, this battle is lost forever. Because in all other times in history, there has been a physical necessity of people to do work. A civilization is its people, the ideas that it holds, and the actions that it takes, and the way that it lives. But if you control all of people from birth, and control what they learn, what they think, how they think, and whether or not they stay in that society, because you can push a button and remove them from it, this is the most diabolical tyranny that has ever been conceived in all of human history, right? And this is the trajectory of where we are going, and to avoid this, there is actions that are going to be required to prevent it. And the reason that I say that these five things are one of the important things to consider, is this is throughout history what has always defended communities, which is skills, assets, resources, community protection, is that you have to consider wherever you physically happen to be in the country, or even outside the country, if you're watching outside of Canada, it doesn't really matter, because you are in a physical community somewhere, and everything that we've been talking about is a group of people that exists completely outside of your community, that are trying to control you and everybody in your community. So the only way to defend against that is for you in your community to work together. That is the core of what I try to tell people, is collaboration means survival. You cannot fight this alone, you will not fight this alone, you have to do it with other people. There's no other way to win this war. And this is why I talk about this in this way, is that the responsibility is on all of us, right? A lot of people say it's somebody else's fault. No, the reason that we're in this situation now today is because we failed to stand up for our civil liberties, our responsibilities, our duties as citizens, and because of that, our government has now become a joke, in more ways than one. And what this basically comes down to, is that if you believe that this is a problem, and you don't want your kids or your family living under this insanity, you have to do something about it. We all do. And this is why I say this in this way, I want to do something about this. I'm speaking here today, because I made a decision many years ago, that I've had enough. That this is far too much, it's gone way too far, I need to do something about it. And now I do everything that I can to help other people do exactly that. Do whatever you can, take whatever actions you feel are necessary to protect yourself and your family, because nobody else will. The people that are supposed to do this are not working for our benefit, so that means that you and I and we have to do that as a community. And the reason that I talk about food, because there's always people that are like, I don't have the money for gold and silver, I get it. Go and buy the actual assets that keep you and your community safe. Food, water, materials, production, skills, you can always get more skills. Skills is one of the biggest and most important things, and the maintaining of technology, right? So learn how to fix a car, learn how to produce something, learn how to do electricity, learn how to do plumbing, learn how to do something that is valuable to your community, and you're guaranteed, not maybe guaranteed is the wrong word, but you have a much higher probability, pardon me, of survival than if you don't have those skills. And the survival of your community, more importantly, right? And just to make this food thing really important, because I've got about, you know, probably two years worth of food myself now, and I'm still buying more, because if I don't have enough for myself, that's one thing, but if I don't have enough for my community, and my community doesn't have enough, well then there's problems with that too. So always get more than you think you're going to need, because you will eventually need more than you actually, than you will think you actually need. And so the purpose of this is to very clearly, with a number, make people understand that every single person requires two to four thousand calories a day. If you live in a city, you are net negative calories. Everybody in the city is net negative calories. All of those calories have to be imported to the city. If those trucks stop running, if those trucks stop coming, the city dies, because it only has what it has, and it doesn't have that much. There's only a couple days worth of food at normal production levels for a superstore, as an example, and so if you don't have reserves beyond what you'd get from the store, well you're at the mercy of everybody around you, and you don't want to be in that situation. And so the way that you do this, the way that you try to determine and figure out what has to happen in your communities, you pick a goal, and I'll talk about the hand of change in a second, but the the most important thing here is that you and your group have challenges, right? You have to define what those challenges are as a group, and then work together to solve whatever those problems are. This last part here is I've never give up and never surrender. I think this is one of the most important things that I tell people, is regardless of how bad you think things are, and believe me, I think they're much worse than you do, as you've probably seen by now, but I will still never give up and never surrender. I'm never going to give up or surrender what I think is right for the people that say they're going to take stuff from me. Ain't happening, bro. And this is really the choice that we have. It is either we accept the slavery that went for us, or we work together and choose something better. What does that look like? How do we achieve that, right? And that's why I go back to this, the hand of change, okay? These five things, which is questions, answers, actions, results, and ultimately the choices that we make. You have to figure out a result that you want, that you don't have, or a result that you have and don't want, and work backwards. What actions are required to achieve whatever that goal is? I have to ask questions to determine and give me the answers to the questions that are going to inform me of the actions that I need to take. And ultimately, all of this comes down to a choice. I made a choice that I wasn't going to accept this anymore. Warren made a choice that he was going to move into Precious Metals. Adrian made a choice that he's now going to push Precious Metals and try to protect some of his clients' assets. All of the things that we do in life come down to a choice, whether in the past that brought us here, or a choice today that brings us to a place in the future. All choices are made in the present. You could only make a choice today. So the choices that you make today are going to put you on a path to either something better or something worse. And one of the reasons I talk about it in this way is I want everybody to have the ability to make better choices and put you and your family on a path to something that's better than we have now. That was the agreement that we made with our children throughout history, is I'm going to try and make the world a better place for my children. And a lot of the things that are happening in our society today are in violation of that idea. And that's what I wanted to get back to, is that we have to improve the world around us, and we have to do that as a community. And this is why the two things that are really important here is, I call it organization and mobilization, but ultimately it's collaboration within your community, whatever that is. If you don't like your community, or your community isn't that good, find one and move. This is one of the options that you have. If you are in a community that you're stuck in, well do the best that you can with whoever's there, because ultimately you're all going to have to rely on each other when things go sideways. And the ultimate point that I want to get across to everybody today is this. This is not something that you can escape from. This is not something that you can hide from, and it's not something that you can run from. This is going to affect everybody because of drones. Drones and AI are a game changer that nobody in human history has ever had to deal with. And what that means is that if I can set up a factory and just produce these small drones that explode, eventually I don't need soldiers to control you, right? And the big thing that you have to realize is, if you don't have a community and a way to protect yourself, you are at the mercy of lunatics and psychopaths. That is not a position that I want to be in, and it's not a position that you want to be in. And so if you get nothing else from the conversation that we've had today, this should be a takeaway, is that the choices that you make today and in the next couple years are going to determine whether or not your family and your community survive. They have told us 2030 is the time that they think that, hey, that's when their game plan comes to fruition or whatever that they've been working on for however long they've been working on it. If we want something different, we have to work and take action to make sure that they don't win. And ultimately, our community dictates our reality, our choices dictate our path, our path dictates our destination, our systems dictate whether or not we get there. Only together can we ensure our destiny is chosen by us. And so I'll end with that. And I do a regular podcast with Wayne Peters, so you can reach out to me anyway here, and there'll be show notes. If you want to talk to us about precious metals, you want to reach out to Adrian, head to his website. But Will, I really want to appreciate you for all the good work that you do. Couldn't do this without you, man. And thank you so much for allowing us to be on here again today. Thank you, Bryce. And thank you for giving me my usual intro into talking briefly about Freedom Comms. For those of you looking for a freedom community in your area, that's one of our initiatives here at The Iron Wire. Last year, we launched freedomcomms.org, the freedom communities network, where we are building in-person freedom communities across Canada while protecting the identity of our members. You can sign up free. It only takes a minute to do so, and you can be connecting with other people in your area. And we've built this in such a way that even if the government hacked it, they still wouldn't be able to tell who you are. freedomcomms.org, you'll find a link on the same post as this interview. Gentlemen, thank you again for your time and your expertise in this second quarter update. Thank you, Will. Thank you, Will. Thank you very much, Will. It was awesome.