글로벌 금융 위기: 중앙은행 디지털 통화와 수익률 곡선 신호

### 조지 가몬: 임박한 금융 쓰나미 탐색하기
* 🌊 역전된 수익률 곡선은 **2년 만기 국채 수익률이 10년 만기 수익률보다 높아** 곧 심각한 경기 침체 또는 불황이 닥칠 수 있음을 경고합니다.
* 💸 "이건 큰 난장판입니다. 마치 큰 카드의 집 같죠. **곧 무너질 겁니다. 지금 바로 시작해야 합니다.**"
* 🏦 대부분의 달러는 **은행의 대출을 통해 생성**되므로 실제 현금 자산이 아닌 은행 부채가 됩니다.
* 중앙은행 디지털 화폐(CBDC)는 개인이 은행 계좌의 부채를 **연방준비은행으로 이전하는 것**을 의미하며, 개인정보 보호와 오웰식 감시에 대한 우려를 불러일으킵니다.
* 📉 연준이 금리를 인하하여 방향을 전환하면 사람들은 이를 긍정적인 신호로 인식하고 **위험 자산에 다시 투자**하여 자신도 모르게 금융 재앙에 대비하는 경우가 많습니다.
* 🏝 쓰나미가 닥치기 전에 언덕으로 향하는 동물들처럼, 고가의 자산이라는 **'공짜 물고기'를 쫓지 말고 대비하는 것**이 중요합니다.
* 💰 조지 가몬의 개인 포트폴리오 전략은 **10%의 실물 금과 단기 국채**와 함께 **역대 최대 규모의 현금 포지션**을 보유하는 것입니다.
* 🚨 "위기가 클수록 기회도 커집니다." 위기가 가져올 기회를 활용하려면 **관심 목록을 준비**해 두는 것이 중요합니다.

핵심 주제는 현재의 금융 위기와 사람들이 현금, 금, 단기 국채를 보유하여 임박한 경제 쓰나미에 대비해야 할 필요성입니다.

[Music] This thing's a big mess. It's like the big house of cars. It's set to come down. We're into it right now. It's not tomorrow. It's not maybe. It's right now. This is a global crash. The American Empire is going down. We don't know what it is anymore. Whatever is money today. But there's a lot of rumor about the fedcoin and CBDC Central Bank digital currency. There's also Bitcoin and now fed. The question is what is money and what does it mean. And anytime there's a big change there always the rumor goes up and speculation and panic and all this and for good reason throughout history who controls the money controls the world and since 1944 America's controlled the money with the US dollar being the reserved currency of the world which caused America to Boom but it also caused many problems and when we lose our Reserve currency status which started in 1944 people were just blown away with the inversion of yield curves because yield curves like reading the

tees you know you can tell what's coming next. So, our guest today is George Gamon. What does it mean to the average mom and pop up there? What's going to happen? Well, I think the first thing people need to realize, just going back to what you're saying about Bretton Woods, the United States was then in control of the money to a certain degree. That's true. But now, I would argue it's more so the banks. The banks control the money, and more specifically the banks outside of the United States. That's Jeff Snider. It's called a euro dollar and the Euro Yen and the Euro peso and the sh banking system. You call them some banksters. Yeah, that's a good term. But the reason I start with that is so people realize that 95% of the dollars in the world were created by lending them into existence. So, most people have this idea that dollars are just kind of a green piece of paper, and you take your green pieces of paper that you digitally get with your paycheck and deposit it at the bank.

and then the bank kind of puts that in a vault and stores it for you until you need it. But what they need to understand is 95% of those dollars were not green pieces of paper. They were lent into existence by a bank extending credit, and therefore those dollars are a liability of a bank. If your listeners have an account with Wells Fargo or Chase, BFA, something like that, and what the depositors found out very quickly with Silicon Valley Bank is that those dollars, which they considered assets - you got $100,000 in your account, that's your asset - but that was a liability of a bank. They weren't putting it in a vault, they were actually taking your money and they were lending it out, and you just had to trust that that bank was going to pay you back. The thing people should really be worried about as far as a central bank digital currency isn't necessarily a competing currency to the dollar. It's not necessarily a Fedcoin or, you know, Janet Yellen coming out and saying, Okay, now we're going to start.

using this cbdc so whether you guys like it or not, we're just going to force you guys to use this and ban cash. What a cbdc really is when you look at the mechanics and the financial Plumbing it's just the individual taking their account that they now have with Wells Fargo that's a liability of Wells Fargo and simply moving it to the Federal Reserve. This is what we really need to push back against assuming that you value Freedom Liberty free market capitalism and especially your privacy because all those Orwellian things that we have heard of that we don't want to come to fruition those cannot happen unless your dollars are on Fed's balance sheet that your bank goes from being Wells Fargo to drone pow and the fomc. And fortunately the good news is that is currently illegal or an individual in the real economy so you have a million dollar or 100,000 that's your asset but the moment you put it in the bank it becomes the bank's liability.

banksters have to then take your money, and they have to buy another type of asset to make sure they can pay you the interest on your savings. Here what they put the money into is all these debts and all these things. The bank's assets went bad, and that's when the runs of the banks start. People want their savings back, and that's what we're in serious, serious trouble right now. And then when you talk about Orwellian, George Orwell wrote 1984, and what 1984 is, big brother is watching. And the big concern with Fed now or Fedcoin, you know, Central Bank digital currency CBDC, is that we lose our privacy. That they'll track US, they'll track every move because they'll know everything we're spending money on, what we spend it on, who we give it to, and all this. So it becomes George Orwell's 1984, big brother will watch you via our money. That's one of the many problems right. Robert people like me panic. I said, oh my God, they're going to

track me. I don't want them to know what I'm spending my money. It's none of their business. But now with blockchain and all this, they can track anything they want. So, our privacy goes. And that's why when George gin says Orwellian, he's talking about 1984. Big Brother's going to watch you. People often in a crisis situation are willing to sacrifice their freedom for the perception of safety and security, a perception of freedom and security. That's a very important word. People are finally waking up with the banksters. What bank is safe right now? And you have things like the FDIC, Federal Deposit Insurance Corporation, that's supposed to protect you up to $250,000. So, if you have $250,000 of your savings, supposedly the FDIC will protect you. But what happened was it was in the billions over here. And that's when Jon Powell, the Fed, and the FDIC got together and said we have to bail these guys out. And that's called the moral hazard. The moral hazard is that's the end of capitalism, you know.

how do you bail out the rich, but this whole thing is the scientific term. It's One Big Mess. Trust has gone out, but that's the opportunity for the central planners and the authoritarians. Robert, you have this banking crisis when George Central planners. He's talking about Marxism. MH Central Bank, and that's what you know are founding fathers. I was Thomas Jefferson. He says we got to stay away from that one because if we go to a central bank, he said our children will wake up homeless, and look at homelessness today is going through the roof. This stuff has been going on to the 1700s, and it's what Georgia is talking about is now happening now, and everybody can sort of see it, and that's why the FDIC are panicking because if you have like $250,000, let's say you have a million dollars. Does that mean you only get $250,000 back if you lose everything, or is the FDIC, the Federal Deposit Insurance Corporation, going to bail out your million dollars too, and that's the

uncertainty because money is confidence, and our confidence is gone today. Yeah, very well said, and I'd like to point out that the FDIC, they don't have that much. At the most, 200 billion, probably a lot less now. But let's keep in mind that there's roughly $188 trillion in deposits in the United States. That math doesn't work when FDIC only has 200 billion. The Euro dollars means European dollar. It's dollars outside of America, which are then creating more money outside of America. There's trillions of Euro dollars as well as US Dollars. This thing's a big mess. It's like the big house of cards that's set to come down. And that's my concern, that the central planners, the Marxists, are going to leverage that crisis situation. You know, their motto is you never let a good crisis go to waste corre. If we continue to see problems in the banking system that exceed the FDIC's ability to patch up the holes, then of course they come in on their white horse saying, well, we've

got the solution all you have to do is take your dollars from these unsafe commercial banks and just move them to the safest bank in the world, which is the Federal Reserve, which is the central bank. And people see that as oh, that little bit of perceived security and safety. They give up their freedom, but what they don't realize is they're doing a deal with the devil. I went to military school. We don't say it so politely. He says it's to bend over and pick up the soap. You don't know where it's going to come from anymore, right? Because the cash is trash right now, you know. And Rich Dad P said savers are losers. The rich don't work for money and all these things. And we had this big three-day here in Scottsdale and we're talking about how the entrepreneurs like me. I stay out of paper, anything that's printed. Took a company public. I own the paper. The IPO produces the shares, but I own the shares. I don't want to buy somebody else's shares with somebody else's company.

because that's what another term is called counterparty risk. It's in control of somebody else, not me. It kind of bugs me. We're heading into it right now. It's not tomorrow. It's not maybe. It's right now. I used the example of a tsunami. Yeah, I think that paints a perfect mental picture for people because we know that a tsunami when it's way out at sea, although you have this powerful force that's coming at land at 100-200 mph, you can't see it. They could go right under a boat, and they wouldn't even know. But what happens are there are these detection buoys that advanced countries have. They're 100 miles out off of shore, let's just say, and that detection buoy can feel it, can sense that force coming toward the shore. And so then it sends a signal up to a satellite, and that satellite signals the scientists that are on the shore to go ahead and warn the general public. They don't know exactly when it's going to hit, they

don't know where it's going to hit or how it's going to play out, but they just know this thing is headed at you at 100 mph. That is basically what the Yi curve does for us. Okay, so what we're saying, ladies and gentlemen, it's here. The crack in the foundation is now showing. Crack is shown in how fake this whole system is, this whole monetary system that just creates money out of nothing. And when America started paying its bills just by creating money out of nothing, it's going to come back. And right now, the BRICS Nations (Brazil, Russia, India, China, South Africa), Saudi Arabia, Mexico, Japan possibly, and New Zealand and Australia, the American Empire is going down. And that means the dollar is possibly going down. We're here right now. You know, all these Real Estate Investment Trust, it's just foolish to me. I won't touch that stuff 'cause it's all fake. So you save money and you put it in the bank, your money is your asset, but it becomes a bank's liability. And what happened was when the banks have to buy something, the

banksters. They have to buy something to cover the interest they're paying you here. And so, they bought all these T-bills and this and that and all the crap. And then, all of a sudden, people realized the bank couldn't cover it all. And that's when the Savers start running back to the bank, Give my savings back. And that was what the FDIC, Federal Deposit Insurance Corporation, was for: to make sure that they would give you money back. But these Banks had created so many fake assets out here, they couldn't cover it. And so, that's when Janet Yellen, who's head of the treasury, also she to be head of the fed. And the FED says, We'll guarantee all these loans. In other words, the Federal Reserve Bank, which is not really a bank, and the US Treasury says, We'll back up anybody right now. The crack in the foundation has been seeing, and they're trying to fill that crack up. That's a really frightening time. But the average person is completely clueless 'cause they can't see this. What we can see.

is the 2-year Treasury yield higher than the 10-year so just right off the bat if I ask you you know Robert if you're going to lend someone money for 30 years are you going to charge them a higher or lower interest rate than if you lend them money for 3 weeks well the answer is going to be a lot higher interest rate because there's a lot more risk for the longer term that's right so when we see the short-term interest rates higher than the long-term interest rates that's the economic tsunami warning signal saying hey something is really really wrong and most likely we're going to have a significant recession or depression in the near future now what does that mean you know how do you time this well what we've seen going all the way back to 1950 it's already hit that was a Silicon Valley Bank and Deutsche Bank and credit s it's already hit yeah this is just the first cracks that you see in the system but the dam hasn't yet broken correct and so that's what the

yield curve is telling us. So when the Dam breaks, you know, how do we time that? How do we know when that's going to happen? Assuming that Silicon Valley Bank is just the first crack, was Went Downer bank, and the bank of Japan's next. This is a global crash. Yeah, you don't know which bank is next, but the whole global economy is very vulnerable, and this is what that yield curve is telling us. So what people really need to be cognizant of is when the 2-year yield goes back down below the 10-year because when the yield curve is no longer inverted, that's when we usually get the recession or economic depression. So right now, what the smart money is telling us through that curve is that we're most likely going to have that after the summer or going into the fall. Yeah, this is historically people oh good, the 2-year went down below the 10 year, and everybody thinks that's good news, but that's the reinversion and all this stuff, but it's not good news for the.

average person, that means that the tsunami is not 100 miles away. That means that the tsunami is 100 feet away. You went to school to be a merchant seaman as I travel the oceans, and these swells don't bother the ship. You, I went through several tsunamis and all this stuff at sea over the years. I was out there. It didn't bother the ship, but when it hit land. So now, as prudent investors or just the average Joe and Jane trying to protect your financial security, you need to ask yourself, okay, what is the financial tsunami warning system telling me, or what other signals or warning red flags can I extract from it? Well, the next thing that you need to look for is the curve no longer being inverted, which would mean the 2-year treasury yield going back down below the 10-year. Because if you go back to 1950, you see that nine times out of 10, that tsunami, that financial economic tsunami hits the shore after the curve is no longer inverted. That's what people really need.

to focus on now. So let me ask this question: when somebody says the FED pivots, is that having to do with the inversions and all this other stuff? Absolutely it does. Right now, the FED is in a tightening cycle. They're raising interest rates. The FED pivot refers to when the FED starts actually lowering rates. And so, usually when you see the curve, we'll call it uninverted, actually dropping rates and dropping rates very, very quickly, people will celebrate, Oh, the inflation's over, everything's Happy Days Are Here Again. Is that what you're... you nailed it. And then the fed's going to drop rates, and they're going to say to themselves, Oh, this is fantastic. The FED came in, they saved the day, they're dropping rates back down to zero, we've got nothing to worry about. Out if we were going to have a recession, now we're not. And then that's when that wave is going to impact the shore. And for those people who aren't prepared, you know, that's when they're going to get financially

destroyed just wipes them out and at Sea. It doesn't bother you. It's just this big swell. But when it hits the shore, it just destroys it. It's hitting us now, and there's just so many incredible parallels. How many people in the mainstream media are saying, Oh, don't even worry about it. Don't focus on it. The unemployment rate is low. The economy is on fire. Everything's fine. And it's just like those people that are in Hilo that aren't paying attention to the warning system, saying, Oh, Robert, you know, you're just fear-mongering. You're sitting there talking about a tsunami that's never going to hit. We're protected here. Until the thing actually hits and they get wiped out. Yeah, can I tell you something even more silly about that? Before the wave hits Hilo, it has to suck all the water out of the bay. Yeah, right. And what happens then is all these fish are jumping around out on the because all the water's gone and all the yo-yos go

running out to catch the fish, and then the wave hits them, tears everything thing apart, people die. Why would somebody go there? Can go to the store and buy some fish, but just free fish, and that's what George was saying when the FED pivots, everybody can to say, Oh, happy days are here again, and they're going to jump into the thing. It reminds me of the quote, you say, When the tide goes out, you can see who's a swimming naked, exactly. Don't go chasing the free fish. Robert hit the nail on the head. That's another great, great, uh, analogy and parallel when you're talking about that water going out, and the people think that's free fish, that's the FED dropping rates, because when the FED drops rates, most likely people are going to be, Oh, great, that's free fish. I'm going to go buy stocks, I'm going to buy all these risk assets and get rich, they going to buy more real estate 'cause the interest rates are down, exactly, and they're going to rush back in, and the free fish is going

to kill them. So George, how would somebody prepare for all this right now? I mean, what advice would you have for people right now? How do you prepare for this giant tsunami? I think it's the biggest in the world because it's Global. Doesn't get much bigger than that. And China's having trouble too. I think we've only hit the tip of the iceberg. And the reason I'm saying we've only hit the tip of the ice B because after all these entities were bailed out, the yield curve is still sending us the exact same message, saying, Hey, you know, you guys think the FED solved the problem, but they didn't even understand the problem. So, getting back to your original question though, I can just tell people what I'm doing with my personal portfolio. And I'm not all in cash, but I have the biggest cash position that I've ever had. And I make sure that I've got, you know, 10% gold, physical gold, with the cash position. I'm currently in short-term. It's very, very key short-term treasuries.

just one month. You know, 3-month very short-term treasuries because those are a liability of the government. They're not a liability of a bank. And if you're worried about the banking system, you know, that's that counterparty risk that I'm trying to avoid. It's like if you have a brother-in-law that's a flake and he's always broke, wants to borrow $100,000, and you lend $100,000, the counterpart of your risk is your brother-in-law who's a fake. That's the whole system is built upon. You don't know who's real, who's fake out there, who's strong. I'd rather just hold in my own hot little hands than let it out right now. Yeah, that's a great point. And the key here for people to understand, and the good news is that for those who are paying attention, we have this warning system. And so they can just go ahead and take the advice. They can head for the hills. And then, you know, after it.

hits, they can be in a good position to go back to the town and buy a lot of that oceanfront property that real estate at a very, very low price. Don't chase the fish, just don't chase the fish. Make sure you're up in the hills, that's right. So that's what I'm doing in my portfolio. It's not all in cash, but I have the largest cash position in T-bills and gold, and I'm just waiting for the FED to start dropping rates. Not so I can buy, I know that that's really when I need to get ready with my watch list, because I'm going to try to do my best to take advantage of the opportunity that this crisis will present. And the good news is that the larger the crisis, the larger the opportunity. There's one more thing I want to say that was the Bachi in Indonesia that biggest tsunami hit out there. The thing that was funny was that the humans running out to catch the fish and the animals in town were heading for the Hills, yeah. I thought I study all this stuff.

shouldn't laugh, but it's a human comedy, and the reason I say that is what people do in the investment world. They wait for something to be expensive. Oh, the price of gold is going up. Always wait a little bit, goes up and up and up. Well, price of real estate is going up, but they wait until the price is high, and then they jump in. I hear, should I jump in now? I said, No, you should have been jumped in a long time ago. Yeah, they usually wait till the exact wrong time, at the worst time to buy. Yeah, surfing all the time, they wait until the wave is breaking, then they take off and they get crushed. It happens all the time. So, I own Bitcoin, but I waited for it to get to 20,000 and went down to 1,000, 3,000. I watched it, watched it, want to make sure it's going to hang around. So, I picked up 60 Bitcoin at 6,000. And you know, but I wanted to be low and the average person.

weights till it's high. That's the difference. That's why I talk about the metaphor of the humans running down to the water to catch the free fish. Meanwhile, the animals were hitting for the hills. Yeah, so right now, I'd be heading for the hills. I wouldn't be hitting for the free fish exactly. And that's what the bond market is telling you to do.

"USA Collapse Is Far WORSE Than You Think..." — Robert Kiyosaki's Last WARNING

An inspiring channel for those who are seeking growth.


FREENVESTING

현재 글로벌 금융 시스템은 전통적인 화폐, 비트코인, 중앙은행 디지털 화폐의 역할에 대한 논의와 함께 큰 변화를 경험하고 있습니다.

전 세계 화폐의 대부분은 실물 현금이 아닌 은행 대출을 통해 생성되며, 이는 화폐를 통제하는 주체의 변화로 이어지고 있습니다.

특히 기존 은행 시스템과 관련하여 중앙은행 디지털 통화의 특성과 기존 금융 프레임워크에 미칠 잠재적 영향에 대한 우려가 커지고 있습니다.

CBDC를 둘러싼 우려와 잠재적 영향력

CBDC는 개인 계좌를 상업 은행에서 연방준비은행으로 이전하는 것이므로 개인정보 보호와 정부 감시에 대한 우려가 제기되고 있습니다.

CBDC가 도입되면 조지 오웰의 소설 "1984"를 연상시키는 모든 거래가 추적되기 때문에 금융 프라이버시가 상실될 수 있습니다.

또한 CBDC 도입으로 정부의 권한이 과도하게 확대되고 개인의 자유와 보안이 약화될 수 있다는 우려도 있습니다.

중앙 기획자가 은행 위기에 미친 영향

FDIC는 미국의 막대한 예금을 감당할 수 있는 능력이 제한되어 신뢰의 위기에 직면해 있습니다.

유로 달러의 증가는 상황을 더욱 복잡하게 만들고 있습니다.

중앙 계획가들이 위기를 기회로 삼아 중앙은행을 홍보함으로써 잠재적으로 사람들의 자유를 침해할 수 있다는 우려가 있습니다.

임박한 경제 위기와 이 곡선의 역할

이 곡선은 쓰나미 경보 시스템에 비유되어 경제 위기가 임박했음을 알립니다.

화자는 통화 시스템에 대한 믿음이 부족함을 표현하고 미국 제국의 잠재적 몰락을 경고합니다.

은행의 역할과 경제 기반에 균열을 메우기 위한 연방준비제도의 노력이 강조되어 금융 혼란이 임박했다는 느낌을 줍니다.

경기 침체 예측에서 수익률 곡선의 중요성

단기 금리가 장기 금리보다 높으면 가까운 장래에 심각한 경기 침체나 불황이 발생할 가능성이 있다는 신호입니다.

2년물 수익률이 10년물 아래로 떨어지는 수익률 곡선의 역전은 역사적으로 경기 쓰나미에 앞서 나타나는 현상으로, 여름 이후 또는 가을에 경기 침체 또는 불황이 올 가능성이 높다는 것을 의미합니다.

수익률 곡선이 더 이상 역전되지 않고 2년물 국채 수익률이 10년물 아래로 내려가면 경제 쓰나미의 영향이 나타나기 전에 투자자와 일반 대중에게 중요한 경고가 되는 경우가 많습니다.

미연준의 피벗은 금리 인상에서 금리 인하로의 전환을 의미하며, 이는 종종 금융 걱정을 끝낸 것으로 축하받기도 합니다.

그러나 이러한 변화는 해안을 덮치는 쓰나미와 같이 파괴적인 영향을 미칠 수 있습니다.

'공짜 물고기를 쫓는 것'이라는 비유는 연준이 금리를 내릴 때 서둘러 투자에 나설 경우의 위험을 강조합니다.

한 금융 전문가는 다가오는 위기에 대비하기 위해 금과 단기 국채와 함께 상당한 양의 현금을 보유할 것을 권장합니다.

그는 사람들에게 경고 신호에 주의를 기울이고 위기가 가져올 투자 기회를 활용할 준비를 하라고 조언합니다.

또한 위기의 부정적인 영향을 피하기 위해 비유적으로 "언덕으로 향하는" 안전한 곳으로 향할 것을 제안합니다.

투자 기회를 기다리는 것의 함정

많은 사람들이 자산이 비싸질 때까지 기다렸다가 최악의 시점에 투자하는 경우가 많습니다.

발표자는 낮은 시점에 비트코인 투자에 성공했던 자신의 사례를 들며 조기에 행동하는 것이 중요하다고 강조합니다.

공짜 물고기를 기다리는 동안 언덕으로 향하는 현명한 움직임이라는 은유는 투자 타이밍에 대한 잘못된 접근 방식을 보여줍니다.