The monetary system is headed for a dramatic reset due to inflation, debt, and central bank failure, potentially forcing a new financial order within the next 5-10 years.
We are currently in the “Fourth Turning” crisis phase, which began in 2008 with the global financial crisis, characterized by institutional breakdown and societal fracturing.
The US dollar’s status as global reserve currency will likely be dethroned in 5-10 years due to irresponsible spending policies, though it may remain a payment mechanism for 10-15 years.
The US government may be laying the foundation for a gold-backed adjustment to the monetary system, as countries like China, Russia, India, and Saudi Arabia accumulate gold and launch gold-linked trade settlement mechanisms.
The US has imported over 800 metric tons of gold in 2025, becoming a net importer, potentially using it to backstop collapsing demand for treasuries.
₿ Bitcoin is considered superior to gold in quality, storage, movement, verification, and supply, making it a more attractive alternative for sound money.
Lawrence Lepard forecasts gold reaching $4,000-$5,000 by year-end and $7,000-$10,000 within 2 years, while silver could hit $100+ in the same timeframe.
Having zero Bitcoin is considered risky due to its substantial optionality and asymmetry, with even a 1% allocation potentially becoming 10% in 5 years and 100% in 10 years.
Bitcoin’s network effect and adoption are crucial to its value, as the consensus of the largest group believing it’s money gives it value.
The US government has the power to change the gold price with a “stroke of a pen” through the Gold Reserve Act, an option being explored to strengthen America’s financial position.
The US has established a strategic Bitcoin reserve under President Trump’s executive order, using forfeited Bitcoin as the foundation.
Bitcoin’s volatility is seen as a weakness but typical of new sound money in the adoption process, likened to putting the “ocean” into a “swimming pool”.
Quantum computing poses a potential existential threat to Bitcoin by potentially breaking encryption, but experts believe it’s not a threat for decades.
The inflation crisis is expected to worsen in the next 3-5 years, causing a massive shift into gold, silver, and Bitcoin as good investments.
The exact amount of the US gold reserve at Fort Knox is unknown, with speculation that it may be lower than claimed due to potential rehypothecation and lack of audit.
The US is transitioning from complacency to active flight from cash, driven by sanctions policy, BRICS efforts to bypass SWIFT with gold-based systems, and foreign central banks rotating from Treasuries to gold.
America is on the “on-ramp to hyperinflation” due to central banks reducing US dollar holdings, arbitrary tariffs, and increased US borrowing, resulting in skyrocketing interest on debt and unbalanced budgets.
Americans are overinvested in real estate as a hedge against inflation, while older savers turn to precious metals and younger investors to cryptocurrencies like Bitcoin to protect against a falling US dollar.
The gold-silver ratio has dropped significantly from 104 to 87, indicating a substantial increase in silver’s relative value and volatility.
The US is experiencing “stage two inflation” where people stop adding to cash balances and prices start rising, driven by continued government printing and inflation.
Mises’ three stages of inflation: 1) people absorb new money without diminishing demand, 2) prices rise and cash balance additions stop, 3) active decrease in money demand.
Cortisol is an energy-producing hormone, not a stress hormone, that deploys glucose into the bloodstream to deal with stressors and energy-demanding tasks.
Cortisol follows a 24-hour circadian rhythm crucial for health, with levels peaking in the morning and dropping in the evening.
Viewing bright light within the first hour of waking can amplify cortisol levels, triggering a negative feedback loop that causes cortisol to gradually decline throughout the day.
Hydrating with 16-32 ounces of water and electrolytes first thing in the morning can increase alertness by stimulating the adrenals to release epinephrine, adrenaline, and cortisol.
For habitual caffeine users, drinking coffee 30-90 minutes after waking can help flatten the cortisol downslope in the late morning and early afternoon.
Regular exercise provides a strong entrainment cue that reinforces cortisol release timing, leading to a Pavlovian response that increases energy and anticipatory cortisol.
In the evening, bright light from artificial sources can cause significant increases in cortisol, which is undesirable for sleep preparation.
Consuming starchy carbohydrates like rice, potatoes, or yams in the evening helps keep cortisol low by elevating blood glucose levels.
Practicing exhale-emphasized breathing or physiological sighs in the evening can quickly calm down and reduce stress, lowering cortisol levels.
Eating a grapefruit in the morning can increase cortisol by 25-50% by inhibiting the enzyme that breaks down cortisol.
Consuming black licorice can significantly boost cortisol levels by inhibiting the enzyme that converts cortisol to cortisone.
Low-carb diets can cause a significant increase in cortisol levels for the first 3 weeks, but this normalizes after that period.
Cortisol levels are supposed to start rising 2 hours before waking up, not abruptly from flat to vertical.
If waking up with high stress, using non-sleep deep rest (NSDR) or yoga nidra can help reduce cortisol levels by engaging the parasympathetic nervous system.
Mastering the cortisol rhythm pattern can improve overall well-being, energy, focus, sleep quality, and mood, and can even improve cognition and memory by reducing degeneration of cortisol receptors in the hippocampus.
Getting the cortisol rhythm right can be transformative for health and performance by increasing daytime energy, focus, mood, and stress resilience, while also improving sleep quality.
Implementing a 10-30 minute NSDR practice right after waking up can help adjust the slope of cortisol rise in the morning, reducing anxiety and burnout.
To control lighting in the evening and keep cortisol low, dim indoor lights as much as possible and use red light bulbs or restricted wavelength glasses.
Practicing physiological sighs for 5 minutes in the evening, involving double inhale and long exhale, can help calm the body and mind, reduce stress and anxiety, and improve sleep quality and mood.
The ideal exercise pattern for cortisol rhythm is early in the day after sunlight exposure, as late-day exercise can spike cortisol and disrupt sleep.
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