Scriptures and Wallstreet Archives - Page 6 of 29

SCRIPTURES AND WALLSTREET – UBI, AI & THE RETIREMENT DECEPTION: WHY DEPENDENCY IS NOT FREEDOM

In today’s episode of Scriptures & Wall Street, Carlos Cortez Jr. tackles one of the most dangerous financial narratives gaining traction today: Universal Basic Income (UBI) and the idea that you may not need to save for retirement at all. With artificial intelligence replacing jobs, Elon Musk publicly suggesting work may become optional, and governments expanding social programs, the promise sounds comforting: “The system will take care of you.” But Carlos explains why this mindset creates dependency, not wealth — control, not freedom. Drawing parallels between UBI, Social Security earnings penalties, IRA taxation, and banking bail-in laws, this episode exposes how easily retirement income can be restricted, penalized, or inflated away. From the Social Security earnings test thresholds to the hidden reality of IRA taxation and Dodd-Frank banking provisions, Carlos makes one thing clear: If you do not own and control your income, you are not retired — you are managed. The conversation also dives into AI automation, CBDCs (Central Bank Digital Currencies), financial surveillance, and the long-term implications of tying your livelihood to centralized systems. The solution? Stewardship. Asset ownership. Contractual guarantees. And building green money strategies that create income outside of Wall Street volatility and government dependency. This episode is not about fear — it’s about preparation. In This Episode, You’ll Learn • What Universal Basic Income (UBI) really implies for retirement • Why Social Security’s earnings test penalizes early withdrawals • The 2025 Social Security income thresholds and penalties • How IRA withdrawals impact Social Security taxation • Why “tax-free” bond income can still affect your benefits • How UBI could increase financial dependency • The difference between ownership vs. permission-based income • How Dodd-Frank banking laws allow bail-ins • Why money in the bank is not technically owned by you • The difference between red money, green money, and yellow money • Why precious metals and market assets are considered red money • How fixed index annuities and insurance contracts create guarantees • Why retirement is about income freedom — not account balances • The biblical case for stewardship and preparing for abundance • Why Proverbs 13:22 and Proverbs 22:3 apply to modern finance • The dangers of relying solely on government programs FREE tax calculator http://corteztaxbill.com GALLUP -The CliftonStrengths® 34 Report https://www.gallup.com/cliftonstrengths/en/403127/cliftonstrengths-34-report.aspx The Color of Money https://rumble.com/v73vhby-scriptures-and-wallstreet-the-color-of-money-replay.html?e9s=src_v1_s%2Csrc_v1_s_o&sci=e9473b97-5241-472d-a848-0bf18daac052 ———————————————————————————————————— Schedule a consultation today! https://cortezwm.com Learn More About America First Retirement https://americafirstretirementplan.com/ Get your own private insurance account! https://privateinsuredaccount.com/ ———————————————————————————————————— Follow us on Rumble! https://rumble.com/c/c-5319252 Follow us on twitter! https://twitter.com/scrptrandwallst Like & Subscribe our Channels ———————————————————————————————————— Rumble https://rumble.com/user/ScripturesAndWallstreet Youtube https://www.youtube.com/@ScripturesAndWallstreet Spotify https://open.spotify.com/show/0d0qrDco0pTfSjeaLEa6Ux?si=2M13CUTkQBC6mWa7B0vWrA X https://x.com/scrptrandwallst ———————————————————————————————————— Support the show! SCRIPTURES AND WALL STREET - WALLSTREET DOESN’T CARE ABOUT YOUR YOUR HEALTH - WITH JAY CAMPBELL https://rumble.com/v71mjik-scriptures-and-wall-street-wallstreet-doesnt-care-about-your-your-health-wi.html http://biolongevitylabs.com PROMO CODE - CORTEZWM https://jaycampbell.com Lose weight and more with Plant Base Peptides http://getmeleanusa.com Silver and Gold https://cornerstoneassetmetals.com Fluoride Free Alkaline water : www.AmericaFirstWater.com The views and expressions used in Scriptures and Wallstreet are for educational & entertainment purposes only. All though Carlos Cortez Jr. is a registered financial adviser this is not financial advice. Any information taken from the scriptures and Wallstreet is strictly for educational and entertainment. If you would like to pursue a personalized financial plan please contact Cortez Wealth Management and schedule an appointment by going to cortezwm.com.

SCRIPTURES AND WALLSTREET – THE SILVER ILLUSION & THE 401(k) LIE- WHY RED MONEY ISN’T RETIREMENT

In today’s episode of Scriptures & Wall Street, Carlos Cortez Jr. tackles two of the most emotionally charged assets in America right now: silver and the 401(k). With volatility surging, the dollar fluctuating, and banks facing continued strain, many investors are asking the same question: Is my retirement actually safe? Carlos breaks down the dangerous myth that precious metals or a traditional 401(k) automatically equal security. While silver may rise long term, it remains a red money asset — volatile, manipulated, and heavily influenced by the same financial institutions investors claim they distrust. He explains how spoofing, naked shorts, dollar manipulation, and exchange control mechanisms create extreme volatility that retirees are not prepared to withstand. The episode goes deeper into the structural weaknesses of 401(k) plans — defined contribution structures, limited fund menus, hidden fees, and the illusion of ownership. Most participants don’t realize they are not owners — they are participants inside a Wall Street casino. Carlos introduces the critical difference between: • Red Money (risk, speculation, unlimited losses & gains) • Green Money (contract law, principal protection, income consistency) • And why retirement is not about chasing upside — it’s about locking in certainty. If you’re holding large bank balances, precious metals IRAs, or relying solely on your 401(k), this episode is a wake-up call to rethink where your money lives and how exposed it really is. This is not about fear — it’s about stewardship. In This Episode, You’ll Learn • Why silver and gold are still red money assets • How dollar manipulation directly impacts precious metals • The truth about spoofing and JPMorgan’s precious metals settlement • Why precious metals IRAs may expose you to unnecessary risk • How volatility can destroy retirement timing • The structural flaw inside most 401(k) plans • The difference between a defined benefit and defined contribution plan • Why you are a participant — not an owner — in your 401(k) • How hidden fees silently erode retirement accounts • Why unlimited gains also mean unlimited losses • What green money really is and how contract law protects principal • Why retirement must focus on income and consistency • How Roth conversions may fit into a precious metals exit strategy • Why emotional attachment sabotages financial decision-making • How stewardship and discipline apply to investing 📖 Scripture of the Day “For God has not given us a spirit of fear, but of power, love, and a sound mind.” — 2 Timothy 1:7 FREE tax calculator http://corteztaxbill.com GALLUP -The CliftonStrengths® 34 Report https://www.gallup.com/cliftonstrengths/en/403127/cliftonstrengths-34-report.aspx The Color of Money https://rumble.com/v73vhby-scriptures-and-wallstreet-the-color-of-money-replay.html?e9s=src_v1_s%2Csrc_v1_s_o&sci=e9473b97-5241-472d-a848-0bf18daac052 ———————————————————————————————————— Schedule a consultation today! https://cortezwm.com Learn More About America First Retirement https://americafirstretirementplan.com/ Get your own private insurance account! https://privateinsuredaccount.com/ ———————————————————————————————————— Follow us on Rumble! https://rumble.com/c/c-5319252 Follow us on twitter! https://twitter.com/scrptrandwallst Like & Subscribe our Channels ———————————————————————————————————— Rumble https://rumble.com/user/ScripturesAndWallstreet Youtube https://www.youtube.com/@ScripturesAndWallstreet Spotify https://open.spotify.com/show/0d0qrDco0pTfSjeaLEa6Ux?si=2M13CUTkQBC6mWa7B0vWrA X https://x.com/scrptrandwallst ———————————————————————————————————— Support the show! SCRIPTURES AND WALL STREET - WALLSTREET DOESN’T CARE ABOUT YOUR YOUR HEALTH - WITH JAY CAMPBELL https://rumble.com/v71mjik-scriptures-and-wall-street-wallstreet-doesnt-care-about-your-your-health-wi.html http://biolongevitylabs.com PROMO CODE - CORTEZWM https://jaycampbell.com Lose weight and more with Plant Base Peptides http://getmeleanusa.com Silver and Gold https://cornerstoneassetmetals.com Fluoride Free Alkaline water : www.AmericaFirstWater.com The views and expressions used in Scriptures and Wallstreet are for educational & entertainment purposes only. All though Carlos Cortez Jr. is a registered financial adviser this is not financial advice. Any information taken from the scriptures and Wallstreet is strictly for educational and entertainment. If you would like to pursue a personalized financial plan please contact Cortez Wealth Management and schedule an appointment by going to cortezwm.com.

SCRIPTURES AND WALLSTREET – WHAT TO DO WITH THE 401K TRAP

In today’s episode of Scriptures & Wall Street, Carlos Cortez Jr. addresses one of the most overlooked and dangerous retirement issues facing Americans today: the 401(k) trap. While headlines obsess over silver, Bitcoin, politics, and cultural distractions, millions of investors are unknowingly sitting in red-money retirement accounts with no guarantees, no control, and no real income plan. Carlos breaks down why most 401(k)s are structurally flawed for retirement, how hidden fees, market volatility, and emotional decision-making quietly erode wealth, and why “set it and forget it” has become a recipe for financial anxiety. He explains how banks and Wall Street benefit from keeping investors trapped in risk-only environments—and why most advisors never discuss principal-protected alternatives. This episode lays out a practical framework for transitioning from red money (unlimited risk, no protection) to green money strategies that focus on income, consistency, and stewardship. Carlos walks through rollover options, index-linked growth without downside risk, and how retirees and pre-retirees can protect principal while still participating in AI-driven market growth like the Nasdaq—without being exposed to crashes. At its core, this is a conversation about discipline, stewardship, and clarity—removing fear, uncertainty, and doubt from retirement planning and replacing it with structure, guarantees, and peace of mind. In This Episode, You’ll Learn • Why most 401(k)s are red money accounts with unlimited risk • How hidden fees and volatility quietly drain retirement balances • Why “set it and forget it” no longer works in today’s market • The difference between growth, income, and consistency in retirement • Why banks and brokerage firms don’t talk about principal protection • How green money strategies remove downside risk while allowing growth • What it means to protect retirement money outside banking and securities laws • How index-linked strategies can participate in Nasdaq growth safely • When and how 401(k) rollovers actually make sense • Why income—not account balance—is the foundation of retirement • How fear, uncertainty, and doubt sabotage financial decisions • Why stewardship matters more than speculation 📖 Scripture of the Day “For God has not given us a spirit of fear, but of power, love, and a sound mind.” — 2 Timothy 1:7 FREE tax calculator http://corteztaxbill.com GALLUP -The CliftonStrengths® 34 Report https://www.gallup.com/cliftonstrengths/en/403127/cliftonstrengths-34-report.aspx ———————————————————————————————————— Schedule a consultation today! https://cortezwm.com Learn More About America First Retirement https://americafirstretirementplan.com/ Get your own private insurance account! https://privateinsuredaccount.com/ ———————————————————————————————————— Follow us on Rumble! https://rumble.com/c/c-5319252 Follow us on twitter! https://twitter.com/scrptrandwallst Like & Subscribe our Channels ———————————————————————————————————— Rumble https://rumble.com/user/ScripturesAndWallstreet Youtube https://www.youtube.com/@ScripturesAndWallstreet Spotify https://open.spotify.com/show/0d0qrDco0pTfSjeaLEa6Ux?si=2M13CUTkQBC6mWa7B0vWrA X https://x.com/scrptrandwallst ———————————————————————————————————— Support the show! SCRIPTURES AND WALL STREET - WALLSTREET DOESN’T CARE ABOUT YOUR YOUR HEALTH - WITH JAY CAMPBELL https://rumble.com/v71mjik-scriptures-and-wall-street-wallstreet-doesnt-care-about-your-your-health-wi.html http://biolongevitylabs.com PROMO CODE - CORTEZWM https://jaycampbell.com Lose weight and more with Plant Base Peptides http://getmeleanusa.com Silver and Gold https://cornerstoneassetmetals.com Fluoride Free Alkaline water : www.AmericaFirstWater.com The views and expressions used in Scriptures and Wallstreet are for educational & entertainment purposes only. All though Carlos Cortez Jr. is a registered financial adviser this is not financial advice. Any information taken from the scriptures and Wallstreet is strictly for educational and entertainment. If you would like to pursue a personalized financial plan please contact Cortez Wealth Management and schedule an appointment by going to cortezwm.com. gold ira, silver manipulation, precious metals ira, silver price manipulation, retirement income planning, gold vs silver investing, safe retirement strategies, guaranteed retirement income, financial market manipulation, silver crash, gold ira risks, 401k rollover strategies, de-risking retirement portfolio, faith and finance, biblical wealth principles, income vs assets, retirement psychology, emotional investing, fixed index annuity, green money strategy, inflation hedge investing, financial freedom planning, wall street corruption, silver futures market, CME margin hike, banking system risk, AI and financial markets, scriptures and wall street, silver investing risks, gold ira rollover, retirement income strategies, market volatility, financial education podcast

SCRIPTURES AND WALLSTREET – TURNING YOUR GOLD IRA FEARS INTO INCOME

In this episode of Scriptures & Wall Street, Carlos Cortez delivers an unfiltered deep dive into the growing risks surrounding gold IRAs, silver price manipulation, and emotionally driven retirement decisions. After a volatile week in the precious metals market, Carlos breaks down why silver and gold—while valuable—are speculative, non-income-producing assets, and why relying on them exclusively for retirement can be dangerous. He explains how big banks, naked shorts, CME margin hikes, and dollar manipulation are impacting silver prices, often at the expense of everyday investors. You’ll learn: • Why precious metals IRAs are not guaranteed or protected • The difference between store of value vs. income-producing assets • How childhood trauma and emotional investing affect financial decisions • Why retirement planning is about income, consistency, and guarantees • How “green money” strategies can provide protected principal and lifetime income • What AI, automation, and market volatility mean for your long-term financial security Carlos also connects faith, discipline, psychology, and stewardship with modern financial planning, emphasizing the importance of de-risking portfolios as markets become more volatile and manipulated. If you currently hold gold, silver, a precious metals IRA, a 401(k), or cash sitting in the bank, this episode challenges conventional wisdom and offers a framework for turning fear-based assets into predictable retirement income. This podcast is for educational and informational purposes only and is not financial or investment advice. FREE tax calculator http://corteztaxbill.com GALLUP -The CliftonStrengths® 34 Report https://www.gallup.com/cliftonstrengths/en/403127/cliftonstrengths-34-report.aspx ———————————————————————————————————— Schedule a consultation today! https://cortezwm.com Learn More About America First Retirement https://americafirstretirementplan.com/ Get your own private insurance account! https://privateinsuredaccount.com/ ———————————————————————————————————— Follow us on Rumble! https://rumble.com/c/c-5319252 Follow us on twitter! https://twitter.com/scrptrandwallst Like & Subscribe our Channels ———————————————————————————————————— Rumble https://rumble.com/user/ScripturesAndWallstreet Youtube https://www.youtube.com/@ScripturesAndWallstreet Spotify https://open.spotify.com/show/0d0qrDco0pTfSjeaLEa6Ux?si=2M13CUTkQBC6mWa7B0vWrA X https://x.com/scrptrandwallst ———————————————————————————————————— Support the show! SCRIPTURES AND WALL STREET - WALLSTREET DOESN’T CARE ABOUT YOUR YOUR HEALTH - WITH JAY CAMPBELL https://rumble.com/v71mjik-scriptures-and-wall-street-wallstreet-doesnt-care-about-your-your-health-wi.html http://biolongevitylabs.com PROMO CODE - CORTEZWM https://jaycampbell.com Lose weight and more with Plant Base Peptides http://getmeleanusa.com Silver and Gold https://cornerstoneassetmetals.com Fluoride Free Alkaline water : www.AmericaFirstWater.com The views and expressions used in Scriptures and Wallstreet are for educational & entertainment purposes only. All though Carlos Cortez Jr. is a registered financial adviser this is not financial advice. Any information taken from the scriptures and Wallstreet is strictly for educational and entertainment. If you would like to pursue a personalized financial plan please contact Cortez Wealth Management and schedule an appointment by going to cortezwm.com.

SCRIPTURES AND WALLSTREET – TURNING YOUR PRECIOUS METALS INTO INCOME

In today’s episode of Scriptures & Wall Street, Carlos Cortez Jr. tackles a hard truth many precious-metal owners don’t want to hear: silver and gold are great stores of value — but terrible sources of retirement income. As silver whipsaws with volatility and paper markets manipulate pricing, Carlos explains why simply “stacking” metals without a plan can leave retirees exposed, stressed, and without cash flow when they need it most. Carlos walks through real chart examples, trading setups, and hedging strategies to show how professionals make money during both silver rallies and silver crashes — but makes it clear that this style of trading is not for retirees. The real message is stewardship: knowing when to take profits, how to convert a portion of metals into principal-protected green money contracts, and how to create guaranteed lifetime income outside banks and Wall Street. From IRA conversions and tax-free retirement buckets to banking risks and the illusion of safety, this episode is a blueprint for turning static metal holdings into active financial security. In This Episode, You’ll Learn • Why precious metals are red money (unlimited upside, unlimited downside) • Why silver and gold do not produce retirement income on their own • How traders hedge silver using leveraged ETFs and options • The difference between stacking metals and stewarding wealth • Why precious-metals IRAs can trap retirees in volatility • How to convert a portion of metals into guaranteed income • What a green-money insurance contract actually does • How to protect principal outside banking and securities laws • Why banks legally own the money you deposit • How IRA conversion strategies can create tax-free retirement income • The difference between infinite banking and proper cash-value design • Why discipline, faith, and stewardship apply to finances • How to think about metals as insurance, not a retirement plan 📖 Scripture of the Day “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” — Proverbs 21:5 FREE tax calculator http://corteztaxbill.com GALLUP -The CliftonStrengths® 34 Report https://www.gallup.com/cliftonstrengths/en/403127/cliftonstrengths-34-report.aspx ———————————————————————————————————— Schedule a consultation today! https://cortezwm.com Learn More About America First Retirement https://americafirstretirementplan.com/ Get your own private insurance account! https://privateinsuredaccount.com/ ———————————————————————————————————— Follow us on Rumble! https://rumble.com/c/c-5319252 Follow us on twitter! https://twitter.com/scrptrandwallst Like & Subscribe our Channels ———————————————————————————————————— Rumble https://rumble.com/user/ScripturesAndWallstreet Youtube https://www.youtube.com/@ScripturesAndWallstreet Spotify https://open.spotify.com/show/0d0qrDco0pTfSjeaLEa6Ux?si=2M13CUTkQBC6mWa7B0vWrA X https://x.com/scrptrandwallst ———————————————————————————————————— Support the show! SCRIPTURES AND WALL STREET - WALLSTREET DOESN’T CARE ABOUT YOUR YOUR HEALTH - WITH JAY CAMPBELL https://rumble.com/v71mjik-scriptures-and-wall-street-wallstreet-doesnt-care-about-your-your-health-wi.html http://biolongevitylabs.com PROMO CODE - CORTEZWM https://jaycampbell.com Lose weight and more with Plant Base Peptides http://getmeleanusa.com Silver and Gold https://cornerstoneassetmetals.com Fluoride Free Alkaline water : www.AmericaFirstWater.com The views and expressions used in Scriptures and Wallstreet are for educational & entertainment purposes only. All though Carlos Cortez Jr. is a registered financial adviser this is not financial advice. Any information taken from the scriptures and Wallstreet is strictly for educational and entertainment. If you would like to pursue a personalized financial plan please contact Cortez Wealth Management and schedule an appointment by going to cortezwm.com.

SCRIPTURES AND WALLSTREET – PRO SILVER, BUT SELLING SILVER: DISCIPLINE,, THE NEW FED CHAIR

In today’s episode of Scriptures & Wall Street, Carlos Cortez Jr. delivers a powerful mix of market reality, personal vulnerability, and biblical stewardship. While many voices online scream “buy more silver,” Carlos does the opposite — explaining why being pro-silver long term does not mean refusing to take profits when emotion turns into greed. As silver experiences a violent reversal, Carlos walks through real-time charts, volatility signals, and leveraged inverse ETFs that prove why discipline matters more than hype. But this episode goes deeper than markets. Carlos opens his heart about fatherhood, ego, spiritual growth, and preparing to step into a men’s faith retreat to become a better husband, father, and leader. He connects this personal journey to a biblical lesson from Acts 5 about greed, deception, and stewardship — showing how the same spiritual principles apply directly to money, investing, and retirement decisions. Carlos also explains how the new Fed Chair, a rising dollar, and market manipulation are directly impacting silver prices, banks, and volatility. He reminds listeners that they do not need to live inside this chaos — because principal-protected green money strategies exist outside of banking and Wall Street risk. This episode is about truth: truth in markets, truth in faith, truth in self-reflection, and truth in stewardship. In This Episode, You’ll Learn • Why being pro-silver does not mean refusing to sell at extreme highs • How silver’s “death cross” signaled a violent pullback in real time • What CSL (the inverse silver ETF) revealed about market manipulation • Why the U.S. dollar pumping causes silver to drop • How banks and futures markets control commodity liquidity • Why emotional attachment to metals can erase gains • The impact of the new Fed Chair on markets and liquidity • Why volatility (VIX) is rising and what that means for stocks and metals • The biblical lesson from Acts 5 about greed and stewardship • How ego, discipline, and self-reflection mirror financial decisions • Why retirement money should not live in red-money speculation • How green-money contracts protect principal outside banking laws • The dangers of holding precious metals inside IRAs • Why preparation is wisdom, not fear 📖 Scripture of the Day “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” — Proverbs 13:11 FREE tax calculator http://corteztaxbill.com GALLUP -The CliftonStrengths® 34 Report https://www.gallup.com/cliftonstrengths/en/403127/cliftonstrengths-34-report.aspx ———————————————————————————————————— Schedule a consultation today! https://cortezwm.com Learn More About America First Retirement https://americafirstretirementplan.com/ Get your own private insurance account! https://privateinsuredaccount.com/ ———————————————————————————————————— Follow us on Rumble! https://rumble.com/c/c-5319252 Follow us on twitter! https://twitter.com/scrptrandwallst Like & Subscribe our Channels ———————————————————————————————————— Rumble https://rumble.com/user/ScripturesAndWallstreet Youtube https://www.youtube.com/@ScripturesAndWallstreet Spotify https://open.spotify.com/show/0d0qrDco0pTfSjeaLEa6Ux?si=2M13CUTkQBC6mWa7B0vWrA X https://x.com/scrptrandwallst ———————————————————————————————————— Support the show! SCRIPTURES AND WALL STREET - WALLSTREET DOESN’T CARE ABOUT YOUR YOUR HEALTH - WITH JAY CAMPBELL https://rumble.com/v71mjik-scriptures-and-wall-street-wallstreet-doesnt-care-about-your-your-health-wi.html http://biolongevitylabs.com PROMO CODE - CORTEZWM https://jaycampbell.com Lose weight and more with Plant Base Peptides http://getmeleanusa.com Silver and Gold https://cornerstoneassetmetals.com Fluoride Free Alkaline water : www.AmericaFirstWater.com The views and expressions used in Scriptures and Wallstreet are for educational & entertainment purposes only. All though Carlos Cortez Jr. is a registered financial adviser this is not financial advice. Any information taken from the scriptures and Wallstreet is strictly for educational and entertainment. If you would like to pursue a personalized financial plan please contact Cortez Wealth Management and schedule an appointment by going to cortezwm.com.