Wall Street Veteran Predicts the Worst Economic Depression in 3 to 5 Years!

In today’s unpredictable economic environment, many of us are asking: What’s next for America? To explore this, we had the privilege of speaking with Peter Grandich, a Wall Street veteran best known for predicting the historic 1987 Black Monday crash. Peter is more than just a market expert—he’s someone who blends years of financial experience with a perspective rooted in faith and resilience. 

Peter shares his eye-opening forecast about America’s future and breaks down the five big challenges he believes could lead to the worst economic period in U.S. history.

We’ll talk about exploding debt, the future of gold, whether BRICS is serious or not, and how to protect your finances during these uncertain times. Peter also opens up about faith, building wealth with purpose, and the advice he’d give his younger self.

If you’re worried about where the economy is heading or just looking for smart investment tips, this Blog Post is a must-read. Alternatively, if you prefer watching, feel free to check out my YouTube video. 

Anyways, here’s what we learned from our conversation.

Economic Forecast 2024: Peter Grandich's Perspective

Earlier this year, Peter Grandich made a startling statement:

“Within 3 to 5 years at the most, I predict America will be struggling through its worst-ever economic, social, and political era. It’ll make the Great Depression look like a walk in the park.”

Question 1: So, with everything happening now, does Peter Still Stand by His Bold Prediction?

Peter' Perspective:
“Yeah,” Peter affirmed. “The way I described it coming into our election was with Harris, we would get there that much faster. With Trump's victory, we would get a slower approach to it, but still the inevitable is to come.”

Peter acknowledged that while some seasonal and political factors could create a temporary reprieve, they wouldn’t change the broader trajectory. He elaborated:

“There’s always a honeymoon period, particularly between Thanksgiving and New Year. No one wants to hear bad news during that time. Then, post-election, there’s usually a grace period extending to the inauguration. Trump is being treated by some on Wall Street as the second coming, and that may delay things by weeks or months, but nothing has fundamentally changed for the long term.”

Key Takeaway:
While temporary optimism may give markets and sentiment a short-term boost, Peter Grandich sees the larger challenges as inevitable. For him, the economic, social, and political struggles on the horizon remain a question of when, not if.

Economic Challenges Ahead: Insights from Peter Grandich

In a previous interview, Peter Grandich highlighted five critical issues he believes will lead America into its next great depression:

1. U.S. Government Debt Levels Are Not Sustainable
2. An Increasing Retirement and Aging Crisis
3. A Full-Blown Immigration Invasion
4. Challenges from BRICS Nations
5. Ineffective Government Leadership

Question 2: How Does a Trump Presidency Impact America’s Economic Outlook? Does a Trump presidency change his perspective on these pressing concerns?

Peter’s Perspective:
Peter sees only one area of potential improvement—immigration. He believes Trump’s policies could shift the federal government’s approach, helping alleviate some of the social and economic strain caused by unchecked immigration. However, the financial burden already incurred at state and local levels remains significant and won’t easily dissipate.

On the other hand, other issues, like the unsustainable national debt, the aging crisis, and ineffective leadership, are likely to worsen. Peter points to the growing national debt, which has now exceeded $36 trillion, and he doesn’t expect Trump’s fiscal policies to curb it. During his previous term, Trump’s tax cuts added trillions to the debt, with the assumption that higher growth would offset these costs—a strategy Peter doubts will succeed.

The retirement and aging crisis also shows no signs of abating. With two-thirds of Americans living paycheck to paycheck and nearing retirement age, the lifestyle advertised in financial commercials is unattainable for many.

Meanwhile, Peter remains deeply concerned about the BRICS nations. He views their growing influence as a major economic challenge that Wall Street continues to underestimate.

Finally, Peter underscores the deep political polarization in the U.S., suggesting it could further erode government effectiveness. Even with a new term, Trump is unlikely to bridge the divide.

Key Takeaway:
While immigration policies may see some improvement under Trump, the broader economic and social challenges remain daunting. Peter predicts we’re in the "eye of the storm"—a temporary reprieve before the second wave of turbulence arrives. For him, the long-term outlook remains unchanged: America faces significant economic and social hurdles in the years ahead.

BRICS and Its Growing Influence: Peter Grandich’s Insights

Over the weekend, someone dismissed BRICS, pointing out internal tensions, the lack of formal agreements, and the irony of members using U.S. dollars during their meeting in Kazan, Russia. 

Question 3: Is this skepticism justified? Is BRICS Just a Joke?

Peter’s Perspective:
Peter believes underestimating BRICS is a mistake, emphasizing its growing significance on the global stage. He points to recent actions by the U.S., such as asset seizures and monetary policies, which he sees as inadvertently fueling the alliance's momentum. These actions, Peter says, have served as a “marketing piece” for BRICS, uniting countries around a shared goal of reducing dependence on the U.S. monetary system.

He highlights that BRICS members are actively engaging in trade outside the U.S.-led systems like SWIFT, with more countries aligning themselves with the bloc. In Peter’s view, this movement is only beginning, and the number of participating nations could surpass 100 in the future.

Peter also draws attention to the significant gold purchases by central banks and the repatriation of gold reserves from the U.S. and the U.K., which he interprets as preparation for a major shift in the global economic order.

While BRICS may currently lack cohesion, Peter sees their collective agenda gaining traction over time, with upcoming meetings likely to push forward new strategies. Dismissing BRICS as a “joke,” he warns, could lead to regret as the bloc continues to grow and challenge existing global systems.

Key Takeaway:
Peter sees BRICS as a serious and evolving force in the global economy. While challenges exist, its members are making strategic moves to reduce reliance on U.S.-led systems, signaling a significant shift in international trade and monetary policies. Underestimating its potential, he suggests, would be unwise.

Predicting Market Crashes – Peter's 1987 Call and Current Concerns

In 1987, Peter Grandich famously predicted the “Black Monday” stock market crash, the largest single-day percentage drop in stock market history at the time. 

Question 4: How Did Peter Predict the 1987 Stock Market Crash and What Concerns Him Now?

Peter’s Perspective: Peter credits his foresight to divine guidance, acknowledging that at the time, he was a young 28-year-old with limited experience. Despite this, he had an instinct for recognizing underlying risks, and his warning proved to be right.

When comparing the current situation to past market crashes like 1987, Peter emphasizes one key difference: the alarming level of complacency among investors and financial advisors today. In the 1980s, the economy was in much better shape, with lower debt levels, stronger global influence, and a more robust military. Fast forward to today, and Peter sees a different story—higher debt, reliance on credit cards for daily needs, and a market inflated by a prolonged period of optimism.

Peter's biggest concern is that the professional advisory community, along with average investors, have become too comfortable with the idea that the Federal Reserve will always step in to save the day. He warns that this mindset, combined with rising debt and the over-reliance on stock market performance, could lead to severe consequences when the next major financial crisis hits.

Key Takeaway: Peter Grandich sees the current complacency and economic vulnerabilities as major red flags. While markets may continue to climb in the short term, the underlying problems are far more serious than many realize, and the next crisis may be much closer than people think.

2024 Economic Outlook: Peter Grandich Investment Strategies

In a recent video, Peter Grandich recommended index annuities as a smart investment choice. 

Question 5: What Makes Index Annuities a Compelling Investment Right Now?

Peter’s Perspective: Peter explains that when index annuities first came out 20 years ago, they were a poor investment option due to high costs and a lack of flexibility. However, these products have since been refined, making them much more attractive now. As someone who's 68 years old, Peter emphasizes the need for caution when investing, particularly as returns in the stock market are expected to be more challenging in the future.

For those with more to lose, like retirees, index annuities offer a way to participate in market gains while limiting potential losses, sometimes even protecting the principal from loss. These features make them especially appealing to individuals with more conservative investment goals. Moreover, many modern index annuities provide the flexibility to shift investments into different markets, such as gold, offering additional diversification options.

Peter’s broader investment strategy also suggests looking beyond the U.S. stock market, which is currently highly priced, and considering markets abroad that may offer better value. While he doesn’t have specific recommendations, he believes index annuities and foreign markets are strong considerations for long-term investors.

Key Takeaway: Index annuities have evolved into a compelling option for conservative investors looking to share in market gains while protecting against losses. Peter Grandich sees them as an excellent choice, especially for those nearing or in retirement, who need to balance growth with risk management. Additionally, diversifying into international markets could present further opportunities.

Peter Grandich on Building Your Financial 'Ark': Key Assets and Strategies for Protection

You’ve previously said:
“In these uncertain economic times, one would be wise to put together a financial Noah’s ‘ark,’ to protect yourself in these uncertain economic times.”

Question 6: What key assets or strategies would you include in this ‘financial ark’ right now?

Peter’s Perspective:
Peter emphasized the importance of focusing on safer, more conservative options in the current economic climate:

1. Index Annuities:

   • Peter highlighted index annuities as a cornerstone of his financial ark.
   • While they may cap gains (e.g., at 7-10%), the security of limiting or avoiding losses is invaluable, especially for older individuals with less time to recover from market downturns.

2. Fixed Income Investments:

   • He remains cautious about fixed income, given the looming credit crisis and rising deficits.
   • Currently, Peter favors short-term investments like one-year CDs or Treasury Bills offering 4-5% returns to ride through uncertainty.

3. Precious Metals:

   • Peter sees gold as a crucial asset, likening it to insurance:
     “No one wants their house to burn down, but if it does, you want to offset the loss.”
   • He advises holding bullion as a hedge against financial instability.

4. Spending Discipline:

   • Spending less than you make remains a fundamental strategy.
   • He critiques the modern obsession with “stuff,” noting that previous generations lived with fewer possessions yet were often more content.

Peter’s Motto:
“Less is more.”
He encourages individuals to simplify their lives, avoid unnecessary expenditures, and prioritize financial sustainability over material excess.

Key Takeaway:
Building a financial ark in these times means prioritizing security, embracing simplicity, and preparing for long-term challenges with conservative, diversified strategies.

Gold's Future: Why Peter Grandich Believes $3,000 is Within Reach

With gold’s recent pullback, you’ve set a target price for gold at over $3,000.

Question 7: What do you see gold doing in 2025, and would a Trump presidency impact its trajectory?

Peter’s Perspective:
Peter Grandich remains optimistic about gold's long-term potential despite recent price corrections:

1. Gold's Performance So Far:

   • Peter became a firm believer in gold when it was under $1,300 and shifted to using physical gold as a capital appreciation asset in 2021.
   • After a significant rally, reaching nearly $2,800 earlier this year, he exited his positions to lock in gains, viewing the current pullback as a healthy consolidation.

2. Current Price Outlook:

   • Gold’s downside risk is limited, with a potential low of $2,500 or, at most, $2,300.
   • Peter maintains his prediction that gold will exceed $3,000 before falling below $2,000 again.

3. Key Drivers for Gold in 2025:

   • Central Bank Buying: Central banks are continuing to diversify into gold, albeit at a slower pace.
   • BRICS Initiatives: The BRICS nations are expected to unveil more details about their gold-related trade systems by next fall, which could be a game-changer.
   • Economic Uncertainty: Ongoing global challenges will keep gold attractive as a hedge.

4. Impact of a Trump Presidency:

   • Trump’s win has temporarily calmed fears, leading to a slowdown in gold demand. However, Peter emphasizes that the underlying drivers for gold's value remain intact.

What to Expect in 2025:
While there’s no immediate catalyst to push gold much higher in the short term, Peter predicts gold will surpass its previous highs in 2025, moving towards the $3,000 mark.

Peter’s Philosophy:
“Let’s get to $3,000 first, and then we’ll take a look at what comes next.”

Key Takeaway:
Gold remains a strong long-term asset in Peter’s view, driven by global economic dynamics and central bank demand. Despite temporary pullbacks, he sees the precious metal climbing to $3,000 and beyond in the years ahead.

Is There Hope for the Mining Sector? Peter Grandich Weighs In

I’ve followed the metals and mining sector for a long time and have lost significant money in mining stocks.

Question 8: Is there any hope for this sector?

Peter’s Perspective:

The Current State of the Sector:

• The last few years have been challenging for junior mining stocks. However, Peter sees 2025 as the turning point:
  • The underlying metals have seen massive price increases.
  • Mining companies producing and selling metals are now generating substantial free cash flow.
  • These companies face a critical challenge: they must replenish the 1 to 5 million ounces of gold they produce annually or risk running out of resources in the next 10–15 years.

Opportunities Ahead:

• To address the resource shortfall, mining companies have two options:
  1. Exploration: Start looking for resources themselves, which can cost $100–$200 per ounce.
  2. Acquisitions: Purchase companies or projects with advanced-stage assets at much lower costs, ranging from $5–$40 per ounce.
• As a result, Peter predicts a surge in mergers and acquisitions (M&A) in the metals and mining sector in 2025.

Broader Market Forces:

• The demand for metals, driven by electrification, AI, and other emerging technologies, remains high. Yet, there’s no ample supply of these critical metals.
• This makes junior mining stocks one of the most undervalued sectors today, according to Peter.

The Risks of Speculation:

• Peter emphasizes that investing in junior mining stocks is akin to gambling.
  • Wall Street often uses the term "speculating," but it’s essentially the same as gambling.
  • Investors need to be both financially and mentally prepared to lose part or all of their capital.

Peter’s Advice:

• Treat these investments like casino gambling: only invest what you can afford to lose.
• If losing your investment wouldn’t affect your daily life or relationships, then the current market presents a promising speculative opportunity.

Key Takeaway:
While the mining sector has been tough, Peter Grandich believes 2025 could be the year it rebounds, driven by a combination of necessity and undervaluation. However, he cautions investors to approach this sector with a gambling mindset—only risk what you can afford to lose.

Concerns Over U.S. Debt Levels: A Developing Credit Crisis

With U.S. national debt exceeding $36 trillion and growing rapidly, some argue the government can keep printing money.

Question 9: What concerns arise from these high debt levels?

Peter’s Perspective:

The Risks of High Debt Levels:

• Peter warns that continuing to print more money could turn the U.S. into a "banana republic," a term used to describe countries that have experienced extreme economic instability due to poor financial management. He points to South American nations in the 70s as examples of this happening.
• The growing national debt is concerning, especially as countries like Russia and China, once significant buyers of U.S. debt, have become aggressive net sellers. Today, Americans are the primary buyers of new U.S. debt.

Concerns About Debt Servicing:

• The main concern is that the U.S. may soon struggle to service its growing debt. When this happens, the U.S. could face a crisis similar to a situation where banks refuse to lend to an over-leveraged borrower, as happened with Donald Trump in his earlier years.
• An early warning sign of this potential crisis would be when interest rates are cut, but long-term interest rates continue to rise, signaling concern about debt sustainability. If rates keep rising and cuts are made, this could trigger a credit crisis.

The Importance of the Bond Market:

• Peter believes that the bond market is a key indicator to watch, as it reflects what investors think about the future. Long-term interest rates (in contrast to short-term rates controlled by the Fed) signal the market's concerns about debt levels.
• Currently, the bond market’s concerns are growing, as the yield curve has become more inverted. For the first time in 22 years, bonds are becoming more attractive than equities. This could lead to a shift in asset allocation, causing a potential downturn in the stock market.

The “Great Melt-Up” Theory and Economic Challenges:

• While Peter acknowledges that Trump's presidency could have been better for the economy than the alternative, he is cautious about the over-optimistic expectations that have emerged since his election. He believes that Trump’s historical relationship with debt—both personally and professionally—could be problematic in dealing with the nation’s debt crisis.
• Peter also underscores that debt is a major issue, one that may become more urgent in the next year or two as the debt continues to grow.

The Role of Debt in Financial Philosophy:

• Peter reflects on his Catholic Christian faith and its teachings, which emphasize that debt is problematic and should be avoided. He views debt as the "worst four-letter word" in finance, far worse than curse words, and believes that the U.S.'s growing debt poses a significant risk to the nation’s financial future.

Inflationary Concerns and the Global Decline of the Dollar:

• The U.S. dollar is currently strong because of rising interest rates, but the dollar’s global use has declined from over 80% to just 58%, with the BRICS nations pushing forward with alternatives. In a few years, the dollar’s global share could drop below 50%.
• While some countries may stop using U.S. dollars, the dollars still remain in circulation, which could lead to inflation as too many dollars chase too few goods.

Looking Ahead:

• Peter predicts that the U.S. may face a credit crisis within three to five years if the current debt trends continue. A crisis could lead to a situation where inflation is chosen over deflation, resulting in the monetization of debt. The long-term consequences could be severe, with global inflation and potential instability in the financial system.

Key Takeaway:
Peter’s concern is that the U.S. is heading down a dangerous path with its growing debt. While a credit crisis may not happen immediately, the risk is rising. The bond market is signaling increasing concerns, and if the U.S. cannot manage its debt, we could see inflationary pressures that harm the global economy. Investors should watch the bond market closely and prepare for potential turbulence in the coming years.

Bitcoin: A Speculative Bubble, or the Next Big Thing?

You’ve called Bitcoin the biggest Ponzi scheme ever, claiming it has no intrinsic value and limited usefulness.

Question 10: Do you think it's just another financial mania, like those described in Charles Mackay's Extraordinary Delusions and the Madness of Crowds?

Peter’s Perspective:

Bitcoin: The Greatest Hype in History

• Peter compares Bitcoin to some of the most infamous financial bubbles in history, such as the Tulip Mania and Bernie Madoff's Ponzi scheme, claiming that Bitcoin's hype is the most significant financial phenomenon ever. He suggests that the Bitcoin craze has been fueled by a series of ever-changing narratives, with proponents continuously inventing new reasons to invest.
• Initially, Bitcoin started as a promising technology with high potential, but over time, it has been marketed with multiple justifications, each shifting as the previous one loses credibility. A few years ago, Bitcoin was pitched as an alternative to gold, and more recently, as a solution to global financial woes.

The Role of Promoters and Wall Street Involvement

• Bitcoin became mainstream in the past few years, largely due to aggressive promotion by figures like Michael Saylor, who advocated for going all-in on Bitcoin, even advising people to sell their homes and borrow money to invest. Peter views this as a red flag, reminiscent of dangerous advice given during the penny stock craze.
• As Wall Street began promoting Bitcoin, even some high-profile financial figures started pushing wildly optimistic price predictions, with some speculating that Bitcoin could reach as much as $3 million or $13 million per coin. Peter likens this to previous speculative bubbles that ultimately left the public holding the bag when the prices crashed.

The Ponzi Scheme Model

• Peter points out that some Bitcoin-related companies have used borrowed money to buy Bitcoin, further inflating its price. This creates a self-fulfilling cycle, where rising prices attract more buyers, which in turn pushes the price up even further. Peter likens this to a Ponzi scheme where those who bought early make money, but the overall value is driven by constant promotion rather than actual utility.

Bitcoin’s Future: A Technological Innovation, but Not a Safe Investment

• While Peter acknowledges that blockchain technology and Bitcoin may survive for several years, he believes that Bitcoin itself is a speculative investment, not a stable asset. He warns that the cult-like following behind Bitcoin, where its proponents refuse to entertain counterarguments, is a dangerous sign. He sees Bitcoin's community as closed-minded, much like past speculative groups around gold or other high-risk investments.
• Peter also criticizes the idea that Bitcoin could serve as a "reserve currency" or be used to pay off national debt. The inherent volatility of Bitcoin makes this an impractical solution, and its value could fluctuate so wildly that using it to settle debts could be counterproductive.

Key Takeaway:
Peter believes that Bitcoin is currently a high-risk, speculative investment rather than a sound financial asset. While it may continue to attract attention in the short term, he compares it to past bubbles that eventually collapse. He cautions that those treating Bitcoin as more than a speculation are engaging in dangerous thinking and should be aware of the risks involved.

Building Wealth While Staying True to One's Faith: A Reflection

In one of your recent blog posts, you quoted the Bible verse, “What does it profit a man to gain the whole world and lose his own soul?”

Question 11: How do you think this applies to building wealth today while staying true to one’s faith?

Peter' Perspective:

The Danger of Prioritizing Money Over Principles
Peter starts by reflecting on his own journey, admitting that he once believed money could solve every problem, and he found himself at the center of his own ambitions. Over time, he learned that when money becomes the main focus, it can lead to losing sight of important principles, especially for those who follow the Christian faith.

He clarifies a common misconception: the Bible does not say money is the root of all evil, but rather, “the love of money is the root of all evil.” God does not have an issue with money itself, as it is a necessary part of life, even in the context of Jesus’s ministry, where money was needed for various purposes. The real challenge is the temptation that comes with accumulating wealth and the responsibility it brings.

Wealth Doesn’t Guarantee Happiness or Fulfillment
Peter points out that many wealthy individuals, such as celebrities, often struggle with issues like addiction, depression, or worse, leading to tragic outcomes. This highlights that money alone does not bring fulfillment or solve life’s deeper issues.

True Value Lies in Relationships, Not Material Possessions
He shares a profound lesson learned from a pastor who works with people nearing death: when faced with the end of life, no one asks to see their trophies, certificates, or possessions. Instead, people long to be with their loved ones and the people they cared about. This resonates with the scripture, which asks, “What good is it if you gain the world but lose your soul?”

For those who believe in eternal life, Peter emphasizes that wealth should not be the ultimate pursuit. Instead, one should consider the long-term spiritual implications of their actions. If wealth is accumulated at the cost of one's soul, then it has no lasting value.

A Life-Changing Video
Peter recommends a video called "The Rope" by Pastor Chan, which had a significant impact on his perspective. It’s only about four and a half minutes long, but it profoundly addresses the question of how to live a life that prioritizes faith over worldly success. Peter believes it offers a valuable lesson and encourages others to watch it.

Key Takeaway:
Peter’s perspective emphasizes that while wealth is not inherently evil, it becomes problematic when it replaces faith and core principles. Building wealth is not wrong, but it must be done with a heart aligned with values that go beyond material success. Relationships, faith, and a focus on the eternal are what truly matter in life, as illustrated by the Bible verse he referenced.

The Power of Forgiveness: A Life-Changing Lesson

Question:
Peter, if you could go back in time and give your younger self one piece of advice about anything, including faith and finances, what might that be?

Peter' Perspective:

The Importance of Forgiveness
Peter’s answer is rooted in one key lesson: forgiveness. He admits that, in his earlier years, he held onto bitterness, even going as far as not speaking to his sister for several years. This anger weighed on him, affecting his mental health and his relationships. It wasn’t until he went through a severe medical challenge and faced depression that he realized how destructive holding grudges can be.

He explains that the happiest period of his life began after he reconciled with his sister, and this peace came from letting go of anger. He emphasizes that forgiveness is not just for the person you forgive, but it is essential for your own emotional well-being.

Peter acknowledges that nearly everyone, at some point, carries anger or resentment toward someone—often family members—and many people live in family rifts. He advises that forgiveness is a powerful tool for freeing oneself from negativity and living a healthier, more peaceful life.

How Forgiveness Transformed His Life
Peter reflects on how hitting rock bottom—both personally and medically—opened his eyes to the importance of forgiveness. He observes that people often make life-changing decisions only when they are at their lowest point, which forces them to confront their problems and open their hearts to change. He connects this idea to biblical stories, noting that many great figures in scripture, like Moses, David, and even Peter, went through great struggles, made mistakes, and needed forgiveness before they could move forward.

He acknowledges that we all fall short and encourages people not to dwell on past mistakes or harbor anger toward those who may have wronged them. Instead, he encourages focusing on what is good, and what we are grateful for, like the simple beauty of nature or the grace of another day.

Focus on the Positive and Let Go of the Negative
Peter stresses that it’s vital to focus on the good things in life and avoid getting caught up in negativity. He acknowledges that it’s easy to be dragged down by people who have a negative outlook or by the things we read or watch that bring us down. Instead, he advocates for separating yourself from sources of negativity and cultivating an attitude of gratitude for the good things in life, even the small ones.

For Peter, letting go of grudges, practicing forgiveness, and shifting focus to the positive aspects of life were transformative actions that brought peace and happiness. His advice to his younger self—and to others—would be to stop holding onto bitterness and to prioritize forgiveness, because that’s what truly sets us free.

Key Takeaway:
Peter’s life-changing advice is simple but profound: forgive, focus on the positive, and move forward. Forgiveness is the key to emotional freedom, and it brings peace, not only with others but also with oneself. The real wealth in life comes from inner peace and the ability to appreciate the good around us.

Final Thoughts

Peter's insights offer a wake-up call about the challenges we may face in the next great depression. His blend of financial acumen and ethical perspective offers not just warnings but actionable advice for navigating these challenging times. He emphasized the importance of preparing now—taking control of your finances, staying cautious with risky investments, and building a foundation of savings and resources to weather tough times.

While economic downturns are daunting, Peter also highlighted the value of perspective. Wealth isn’t just about money; it’s about living with purpose, staying true to your faith, and focusing on what really matters.

Forgiveness, gratitude, and maintaining strong relationships are key to finding peace even in uncertain times. As we prepare for potential economic challenges, let’s also remember to invest in what truly enriches our lives: the people we love, our faith, and the strength to adapt and grow.

Whether it’s through diversifying investments, considering gold, or taking a deeper look at our priorities, there’s no doubt that preparation is key.

Are you ready to build your financial ark? Let us know your thoughts in the YouTube Comment Section!