SCRIPTURES AND WALL STREET – 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.