Faith, Finance, and Biblically Responsible Investing | Guest: Mark Minnella | Ep 100

Welcome to Pirate Money Radio. With your host, Kevin Freeman, helping you unpack the

economic headlines and providing real money solutions.

You know, for most of my life, I've been in the money business in one form or another.

My dad was a stock worker. He had me looking at investments in my teens. He even gave

our family our allowance in the form of shares of stock. I've been a financial advisor

in one form or another for 43 years and have worked with some great people like John Templeton.

And today we're going to talk about money from a Christian viewpoint and joining me in

the discussion is my favorite person on the planet, my wife of nearly three decades,

the fabulous Marney. Thank you. Thank you for having me back. I love doing

show with you. But hold on, before we get started, I want to congratulate you.

Okay. On the 100th episode? That's true. It's on Pirate Money Radio.

Pirate Money Radio. Congratulations. Thank you. Good job. Thank you. We're almost 400 on

economic war room, but our foray into radio were just at 100. So thank you. Yeah, you're welcome.

All right, Marney, I'm so glad you're here. How often do you think about money?

I actually think about it quite often because every it's always running through my head.

I need to do this. I need to pay for that. How can I earn some more here? What can I sell?

It's my mind is busy. The average American. And by the way, I can attest her mind is busy.

She's thinking all the time. Sometimes it's in the morning she's thinking.

You know, another thing I think of a lot is too. And that's correct. It doesn't slow down.

And I think that's for most women, but my mind is always going to where I can give.

Where can I give? You know, we learned that from friends, Charlie and friend Lewis.

How to have a giving plan. A lot of people have an income plan. A lot of people

have a savings plan or an investment plan, but as they said, it's important for Christians

have a giving plan. That's a great point. You know, there's a new study that came out from

empower that shows the average American spends four hours per day thinking about money.

That's a lot. Okay, I don't think four hours about it, but that's a lot of time.

I'm looking at investipedia.com. It says American spend an incredible amount of time

thinking about money every day. You won't believe the numbers. More than half of Americans

said they think about paying bills and rising prices every day making these the two most

consuming financial worries in people's minds. Americans think about finances for about four

hours every day. I mean, survey shows. When you're trying to make ends meet, absolutely yes.

Oh, and we live in, you know, the Chinese curse, may you live in interesting times.

Financially, we certainly live in interesting times, don't we? This is beyond interesting.

I mean, we're seeing yes. Yeah, so Jesus thought us to think about money. In many ways,

I believe he uses money as a test to see what we truly love. And the two key thoughts, one,

money is a useful tool. I can attest to that. Every one of you listening, you know, money is useful.

But number two, the love of money is a root of all sorts of evil. It doesn't say money is evil.

It says the love of just clarify. And it doesn't say it's the root of all evil,

all sorts of evil, all sorts of evil. That's right. So don't love it. John Wesley,

the great theologian gave a great sermon on money. Here's what he said. He said,

make all you can. That's good advice. Make all you can save all you can and give all you can.

That's right. That was your third point. Think about giving. Can it really be that simple?

You think it can make make all you can't say, well, you can't give all you can. I think it can be that simple.

That's the way you should think about it. So to better understand this, if people are thinking four

hours a day on money, they they're thinking about making all they can, saving all their can, giving

all they can. Actually, I think they're probably thinking about worries. How do I pay my bills? What,

you know, this thing is going to come up. That's right. All right. To dive deeper morning, let's invite

our friend, Mark Manella from Financial Sense. We saw him recently at NRB. He's from financial

issues. He's the host of financial issues, the lead analyst. He serves the host of financial issues

and stewardship ministries, financial issues, stewardship ministries, FISM as the primary

on air voice and a guiding hand behind the ministries investment strategy. Mark helps believers

navigate today's financial markets with clarity, discipline and biblical convention with more than

35 years of experience in investing in financial leadership. I've got a beat. Maybe this is no bio.

Mark is widely recognized as a pioneer and biblically responsible investing BRI. His work has

consistently focused on helping individuals align their financial decisions with their faith

without sacrificing prudence diligence or long-term perspective. Welcome, Mark, to Pirate Money Radio.

Honor to be here, Kevin. Thank you so much and good to meet you, Marty. Nice to meet you.

We saw you briefly at NRB, which was a fabulous time that we had in Nashville and you were there

both learning and sharing. I'm sure. Were you speaking at NRB this year?

No, I was not speaking. I had a bunch of interviews. People wouldn't interview me regarding

faith and finance regarding how to utilize money in a way that honors God and I was very blessed

by being able to do that as well as we financial issues. In general, we usually participate there,

but this year we didn't for some reason. I don't know why. Next year obviously we'll be

having our booth and maybe we'll be speaking next year. I think you should. We should pass that

along for our frontory, but do you think the average American thinks four hours a day about God?

Wow, that's an excellent question because when you talk about thinking about money for four hours,

you know, I don't know if the average American does. Let's narrow it up, feel down a little bit to

how about the average Christian? Do you even think the average Christian does? It would be the question.

We're supposed to pray without season, which means being conscious of aware, a way

that of God's presence in and of us all day long, but I wouldn't think the average

even Christian thinks about God four hours a day. Maybe that's why God spoke so much about money

in the Bible, you know, talking about money and possessions more than he talked about hell itself.

So maybe he knew that our obsessions, our fears, our greed, all that would be so embedded in us

that he needed to talk about that so we could refocus on the sources of everything good,

which of course is our father in heaven. You know, I think two things come from this morning.

One of them is you remember Phil Robertson's response when I went into visit? Yes, can I do it?

Yeah. Economics. Economics. No, nothing about economics. There was a man in Phil Robertson

who cared so much about God. He didn't want to talk about money when we walk in.

Economics is a study. The reason Christians have a problem with it. Economics is a study

of how to allocate scarce resources, but in a biblical sense, in the kingdom of God,

there's no scarcity of resources, ultimately, and it's a matter of, do you put your trust in God

or money? Right. But it's all opposite. God's kingdom is opposite in every direction,

in every system we've created. It's a flip. Yeah, it's just like a mirror, isn't it?

This side and that side, when you look in the mirror, that's the God's, and it's almost totally

reverse, you know, he tells us not to worry, not to be concerned. He tells us that he loves this

more than the birds of the field, and he feeds 50,000 birds every day. Don't you think he'll take

care of us, who he cares more about, even more? We're supposed to be focusing on God's stuff.

Now granted, he created everything, so even the physics of money are his. So he's

helping us with that, though, by speaking about it so much in the Bible, he helps us to realign

our thoughts. I love that versus, do not be conformed to this world, but be transformed by the

renewing of your mind. And in his word, he talks about finance so much, because he knows we need to

renew our mind to be focused on him, and not worry about it, not let the worries of the world come

in, not let the deceit and the greed and the fear, and all the things that are from the world,

come in. We need to focus on him and realize he has, he saved us under great works, which he laid

down before the foundations of the earth. And if we just walk in those great works, no matter where we're

at financially, whether it's in wealth or poverty, we're in the perfect place, because we're walking

hand in hand with our father, and he knows exactly where we need to be. You know, that is so true.

And we think America is probably too obsessed with money. That's the problem. But I was reading

in the book of James recently, where James is telling the wealthy people among the Christians in

the congregation, he says, you rich people, your riches should rot with you. Why? Because you

withheld the wages from those who have mowed your fields. Well, why would they withhold wages? Because

they had more trust and faith in the money, and they were worried that God couldn't provide for them.

And so they were withholding, and he says, you know, don't do that. And you go all the way back to

the Old Testament Moses was saying, hey, you pay your laborers overnight. God cares how we handle

our money. It's very important to him. Well, he created it. He created the money. That's right.

And what is the money money in the Bible? Gold and silver? Yeah, a little bit of copper.

That's right. Gold silver and copper. Just like the Olympic medals. We just had the Olympics.

Gold silver and copper. So, Mark, you work on something called biblically responsible investing.

I want to talk about that. But before the break, I want to talk about the three things you can do

with your money. You can give it, you can spend it, or you can invest it. And a pirate money radio,

we work to explain solutions that support all three areas in a way that promotes liberty,

security, and values. Patriot mobile. It's a mobile phone company. They support the pirate

money radio program. Patriot mobile uses US carriers, including AT&T, Verizon, and T-Mobile.

It operates on both Apple and Android phones. More information about the economic

or even Patriot mobile is available at PirateMoneyRadio.com-4-AFR. That's PirateMoneyRadio.com-4-AFR.

All right. We're going to have to take a break. But, Mark, when we come back, I want you to explain

what B-R-I means. What does God want us to be faithful with our unrighteous man like Luke 1611?

What does that mean? What does it mean with your investing? What does it mean with your spending?

Giving spending and investing the three things you can do with it. So, we will be right back with

Martin L. from Financial Sense talking about Biblically Responsible Investing. We'll be right back.

Every day across the globe, big business agendas go unseen by investors.

Things that go against your core values and beliefs. It's time to know your investments.

Abortion. Alternative lifestyles. Gender and identity confusion.

If you believe in protecting marriage in life, children, innocence, guarding masculinity,

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carefully consider the funds investment objectives, risks, charges, and expenses of the investment

company. This, another important information can be found in the funds' perspective.

To obtain a copy, visit TimothyPlan.com or call 800-846-7526.

Read each perspective carefully before investing. Investing involves risk, including the potential

laws of principles. Welcome back to Pirate Money Radio with your host, Kevin Breeman.

Joined by the lovely Marnie Freeman, you look fabulous today, you always do.

So glad to have you here. But Marnie, you know people come, they'll call at all hours,

it seems like, and they'll have money questions, and they'll be asking, because they know I've worked

in the financial field all the time. And we have, as our guest today, a true expert from Financial

Sense, Mark Manell, and he is sharing with us about BRI. Mark, what is BRI?

Well, it stands for biblical, responsible, investing, pretty clear and pretty to the point.

Originally, we used to call it values, investing, or moral investing. We had all sorts of names,

but there are a lot of questions came out of that. For example, whose morals, whose values,

and it's like, okay, yeah, we need to get this straightened out. So we adapted the term

biblically, responsible, investing, because the Bible has the answers to everything,

and it'll define what that means. And what it really means is we have this thing called stewardship.

It's how we live out the truth of our salvation. It's how we live out realizing that we are saved

by God, and we are now His, and everything is His. And what we do with ourselves and everything,

either glorifies or rebels against God. So that includes what we do with our money,

how we utilize it. And the froth of the money that God has entrusted to us is what we invest.

That's money we don't need for today. It's money we don't need for the immediacy. So that froth,

we take that and we invest. And as a believer, everything we do should be to utilize God's resources

for God's purposes to His glory. That means if we have money, how we spend it should glorify Him,

how we earn it should glorify Him. When it comes to money, the stewardship of money,

which is a big slice of the stewardship pie. And when it comes to investing, we should honor Him

as well. We should utilize it in a way that glorifies Him. Well, if we're invested in a company,

let's say this company is involved in the abortion industry, we are actually becoming a partner

in that company. Our ownership, when we buy into a stock, we become a partner. And as a partner,

we're not participating in that abortion company. And most believers, I know you not want to do that.

Well, it goes much deeper than that. We might be investing in a baby food company,

but that company may be given money to play in parenthood or backing sexual immorality somehow,

given money to LGBTQ or something that offends God or our aches is hard. So when we invest in those

things, we are compromising our relationship with God. With the fraud, the money we don't even need,

when we could be utilizing it to glorify Him by only investing in those things that don't

compromise God's tenets of love or at least are neutral on it, you know? Well, you know, investing

is a biblically sponsored idea. You go to the parable of the talent, they were literally investing

and God wants a return on His money. That's a part of stewardship. So if you have extra, God expects

you to get a good return, but we, Marty and I were just at Carous College in Woodland Park, Colorado,

and you know, throughout Colorado, they've legalized marijuana. They're talking about legalizing

prostitution, which is scary. But the notion is, is, you know, would you want to be partner in

either of those things? No. And I think a lot of times it's hidden too in within those companies

what they're investing in. So I think for Mark, he ferrets that out for his clients.

Yeah. You need advisors to help you understand that. That really is important. And, you know,

we have that mutual. I want to talk about art alley because you've got some art alley stories.

Marty, I want you to share and, and commiserate with, you know, on here because I think, Mark, you,

you, you and Marty both have had lots of experience with art alley. You were at his, at his big party

that he had there and at the Gailord, I think it was in Orlando. Were you there, Martin? Oh,

absolutely. This 25th celebrate year celebration. Yeah. I was on the original board of directors

of the Timothy Plan Mutual Fund. Aren't I go way back and, and pioneering the whole idea of

investing with biblical integrity? We're good friends. In fact, I was just down there with him

yesterday and the day before broadcasting from the Timothy Plan Studios. A good man, a good friend,

and I just, I just love his heart for the Lord in honoring him. Well, we're talking about the

money here, but we're going to make it fun in this next segment. We're, you know, 30 seconds away

from a break, but we're going to talk some art alley stories because that's the best part of his 25th

celebration. I'm Mike Carter, the other co-host of Pirate Money Radio, and I were there,

and everybody got to tell some art alley stories, and I got to be one of the keynote speakers of

that. It's just a phenomenal thing. All right, well, we're talking money, we're talking financial

sense, and we're talking the Bible at Pirate Money Radio. All right, we're going to cover this

and more when we come back right up to this break. Gold holds its value far better than the US dollar.

Let's see what happens when I go in this sweet shop and pay with gold. Can I, um,

can I pay with gold? I mean, I don't know how much it costs. Do you know what, yeah, I mean,

basically, do you know why I'm even using gold? I do not. It's, it holds its value over time,

but it's a bit difficult to spend, doesn't it? Um, can you take this? Yes. That's master card. Yeah,

this is, I'm actually going to pay with gold, believe it or not, using this, using this. That's my

master card and it's linked to my gold wallet. So let's just watch that authorizing.

Yeah, add a tip. Thank you. So, so this is your store? Yes, sir. And how much gold did I pay?

0.2243 grams. Yeah, success. But with gold, pay with blitz.

Pirate money radio, helping you, give, spend, and invested ways that align with liberty,

security, and values. Welcome back with your host, Kevin Freeman.

And you know what, I want to share, I went to work for John Templeton. He was a pioneer in

global investing and I worked 10 years in my career with John Templeton. He's a great man,

truly great man. And I've also had the opportunity to get to know and work with Art Alley of the

Timothy Plan. And he's a pioneer as well. Timothy Plan is like, um, Templeton was among the very

first global investment funds that exist in the world. And Timothy Plan is among the very first

biblically responsible investing funds. And on the board of Timothy Plan is our guest today,

Mark Manelli. He was on the early board and he works very closely with Art and helping pioneer

this whole BRI. And, Marty, I know you know Art Alley. Oh, yes. And you've known him for years.

Years. But he was generous and shared with you and our daughter needed some medical treatments

in Orlando. Tell your Art Alley store. Now, this is a great way of giving and Art has such a great

heart. So we we had to seek medical treatment for our daughter. And it was going to be two full

weeks eight hour days of treatment. And he opened up his home for us. In Orlando. In Orlando,

when we stayed with him, he got us a rental car. He did everything he could to help her succeed

in her medical treatments. And it was truly astonishing. Now, the other hand is he's such he is

hilarious. He picks on people and loves people. And he's a joker. And when when I stayed there,

I was going through his fridge trying to find something to eat. This is before he married Maryland.

So we won't blame her for this. No, absolutely not. She would have had none of this.

So I was going through his fridge. We're like, I just wanted something to drink or whatever. And

I'm finding stuff that's expired from like 2015. I am I am not kidding you 2015. So I went through

all of his cabin, all of his covers, all of his refrigerator and dumped trash full of food.

And to this day, he says, don't let me let your wife come near my stuff. She threw away all this good

food. I said, heart, it was expired 10 years. Yeah. Yeah. Oh my gosh. What he didn't tell you is

probably hiding his gold in those things. Okay. This is this is a good piece of information.

You would have noticed. Gold is heavy. You would have noticed.

Well, I appreciate him and Mark for what they're doing for a BRI because I mean, it's still fairly

somewhat new on really purposeing to invest for God's things for his glory. Like Mark said,

Mark, I like your mantra of defund darkness and fund light. It's awesome.

Yes. And fund the light. The whole idea is that at Stuart's a God, we can utilize the resources he

has entrusted to us. And we can utilize them in the way that affects our society in a positive

way, a godly way. We can use it. Whether we're conduits of that or even how we invest because a lot

of people don't know our society is directed by large corporations. There's the ones who decide

what movies get what made, what commercials get played, what what are they going to emphasize

in these TV shows. And so if you follow them under the top, our society has been destroyed by DEI

and all sorts of ugliness that has come in. And that's because these corporations are forcing that

to happen. Well, if you stop investing in those corporations and start investing in ones that

honor God and honor life and honor God people, honor people, then all of a sudden the corporations

will wake up as money is being removed from their coffers and from their influence and going into

godly things. And we'll start seeing our society change as well. We actually can impact society

by the way we invest. We can do so without compromising our values and or our returns.

You know, I want to echo what you just said because BlackRock and Larry Fink a few years ago,

Larry Fink. I didn't know you could use the kind of language on the radio. A few years ago,

Larry Fink shows up at one of the CEO summit type things. And it was on CNBC and he flat out said,

we're going to take the money people invested in the BlackRock funds and we're going to use it

to force DEI. And one of the applications was they actually had the NASDAQ telling corporations,

you have to have so many people from all different backgrounds. And the corporation said, well,

we want the most qualified person. We don't care if they're black, white, we don't care if male

female, we want the most qualified. Nope. We won't invest in you unless you conform to DEI and you

got NASDAQ to pass a rule that you had to have so many minorities and so forth. Now that's been

thrown out recently, but that's what we're talking about here. You either have to conform,

you have to be pro abortion, you have to be pro, you know, pro environment and so many different

things. It may not line up with your values. We're talking with Mark and I off financial sense,

when we come back, we're going to dive into how you align your money with your values when you're

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Welcome to Pirate Muddy Radio. With your host, Kevin Freeman, helping you unpack the

economic headlines and providing real money solutions. Yeah, and I'm here with Marnie. My best friend,

you lovely today, Ms. Marnie. All right, we're talking with Mark Monella and we're talking about

financial issues. Do you have any financial issues? You want to ask questions of him? I have lots of

financial issues to spend on the day of the week. Yeah, we've got daughters and they're talking

weddings. So that creates all sorts of financial issues. Okay, we might need help with that, Mark.

You know, they say they used to say that the house was the biggest investment you'd ever make

is in your home, but I only had one daughter, two boys, and I think the biggest investment I ever

had to make was in my daughter's wedding. We're just now getting closing out on college, right?

Just get off all of those student loans and just get finished with that and close that out and

bow, hey, dad. And then the young men have come to me and said, talk to me. And it's like, oh,

I just want to talk to you, Mr. Freeman, can we talk? You know, wow, I was on the other side of

that talking to your dad. I remember that well. It's a lot. It is. But this few will pass, embrace it,

enjoy it. In my daughter's wedding, one of the things she wanted to do is have a videographer and

do a pre-wedding video and during the wedding and post, you know, and put this all together into

this 15-minute video. And I mean, the pricing was silly. And I thought, you know, I'm not that kind

of guy. I said, you know, I love you, but you'll have to take care of this on your own. And then my

wife overrode me. The video got done. And my daughter gives me this really nice box. I open it up.

It's got the DVR in. I put it in my, you know, and watch it. And I sat there and wept all the way

through it. Good skimp on this. This moment is a huge moment is when I'm trying to. When you have

a TV show and a TV studio and you've got crew that does this, it's guaranteed. Mrs. Freeman has

already overridden any thought that I had. It's going to be filmed start to finish. It's going to be

a professional shoot, you know, multi-camera shoot with the best sound and the every, because that's

what comes with having the studio. And that will be a personal expense because my partners are

going to say, well, you know, you're going to, but nevertheless, I know it'll be done right.

Oh, yes. And so I need your help, Mark. Where do I invest so that I can pay for this?

Well, if you, if you had invested in gold, which I'm sure you have then,

based on your book, Pirate Money and your, and how, how much you're, you're doing to make

gold, a legal tender here in the United States. My guess is you have invested. You saw some

great returns in the last years. Yeah, I don't actually consider those investments.

But John Teppelden taught me this early on. Investments are things that are productive. You can

invest in land because it can produce food. You can, you can, you can buildings on it. You can

invest in stocks and bonds. I've always viewed gold and silver as money. And they've gone up a

lot recently, but in my mind over the last 100 years, what that really means is that the dollar

has gone down in purchasing power from inflation. And that's what people are worried about.

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money or available at glentpay.com, Fordslash Gold 247. Again, that's glentpay.com Fordslash

Gold 247 glent providing access to gold for modern, modern spending. Now, my hope is, as you point

out, my hope is that the price of gold is kept up with the cost of weddings and because those

have gone dramatically higher too. But let's talk about investing. Do people need financial advisors?

What do you think? You know, some might, but the majority don't. And I know Kevin that sounds

really weird. I own an investment advisory service for over 30 years. It was one of the first

registered investment advisories to invest only with biblical integrity, once in 2000, sold it

a couple of years ago so that I could do what I believe God called me to do, kind of like you're

doing now and be able to speak the truth about God and money. And what I really believe is most

people can manage their investments, can manage their financial planning themselves. There's

enough information out there. What we do at financial issues is we help them to do that.

We do the deep dive research. We do the analysis. We, for our partners, that, for our listeners,

we go through all this kind of thing. We show them how to, how to set up a portfolio,

how to do the asset allocation, how to redeem, win the redeem, how to look at different stocks.

We teach all that on our live broadcast Monday through Friday from 9 to 10 a.m. Eastern time

financial issues. And where do people find that? And number one and number two, the second question

I have is, okay, if I'm on my own, how do I find out if proctor and gamble is a good company

or a bad company? How do I understand if they're doing biblical, responsible things or if they're

doing, you know, things that are threats to my values? So first question, how do people follow you?

Where do they find it? And second question is, how do I do that without advice?

Well, like I said, Monday through Friday, five from 9 to 10 a.m. Eastern time, you could

log in to financialissues.org, watch us live, or you could pick us up on any of the 500 or

plus radio and television stations that are airing us. Any time of the day after that,

that show will be repeated. Of course, it's on all the social media as well, Facebook. You can go

out, you can watch us live from there, you can you can see it on anywhere social media.

What's the main website is financialissues.org, that's the best place to go to find it.

Absolutely, and on that site, you'll find resources, you'll find educational videos, you can

join in the live show actually in our chat room there and we're always keeping up with that.

So there's a lot, a lot you can do. Financialissues.org is the first place to go,

sign up for a few free newsletter, which comes out weekly. You also can become a partner there

if you want to, but we do the screening, but we use the evaluator services as our primary screening

service. The reason for that is I've been involved in this since the beginning and I've seen

screening services come and go and some of them are very shallow and some of them are very weak,

some of them only cover some of the issues. Evaluator services, what they do is they go deep

and they go white and they keep the facts and they don't just ding somebody because there's a rumor

that they did this or did that. They go and they find the facts otherwise, otherwise you'd be like

some of the other services that are just reading stuff on the internet and thinking they're ugly

when they really weren't with just somebody accusing them and things like that. So we do it for

you. Any of our recommendations on buys or holds on stocks or mutual funds, they're already cleared

for you through us. Along with we use a system I call FTB analysis. That's fundamentals, technical

and biblical. We do the fundamental analysis, we do the technical analysis and we do the biblical

responsible investing screening all for those who watch or participate in the show.

That's really helpful. I love just perusing your website. I love the topics you discuss,

which is all it's very broad but then you dive deep in each topic like politics, government,

tariffs, those type of things that can affect their investments. Yeah, no, I think those are

really important because people don't realize you know we have a bombing of Iran and then the

supreme leader of Iran gets killed. Does that impact your investments? Absolutely in the short

time. In the long run, does it? These are big questions. Is it changed? And if you're not prepared

to move, you could have a biblically responsible buggy whip company which would have been perfect

to invest in for biblically responsible but maybe not the best return for your investments. So

you need a combination of those things. It sounds like you do that. So what do you think? Do you think

people are better off with ATFs from mutual funds or picking individual stocks? What are your

thoughts on that? I think all the above are good choices depending on who you are and the size

of your portfolio and what you're trying to do. ETS obviously are exchange-traded funds which are

like mutual funds and there are basket of goods or companies like a mutual fund so they give you

good diversification. I like ETS a little bit more than mutual funds in the sense that you can buy

and sell them on the spot. They're traded like a stock where a mutual fund you have to wait to

the end of day before it actually execute. I do like individual stocks as well and bonds. So

I think a combination makes a lot of sense. On financial issues, we actually do two different

asset allocation models for different risk classes. One is we call our fund model which uses ETS

mutual funds primarily. The other is called an all-asset which uses everything including individual

stocks, bonds, reads, alternatives, things like precious metal, gold, silver. All right we're talking

financial issues with Mark Manella and we're talking about basically how do you invest? How do you

see that American dream? How are you being a good steward with God's money? What are you doing with it?

Mark when we come back I want to talk about economic justice about young people and a future that

they can have in the American dream. His capitalism and derby word we'll find out right after this

break we'll be right back. I'm outside Bades which I'm told is the quintessential chicken restaurant

here in Roanoke, Texas. Let's go and see if we can buy the food in here chicken with gold.

This is unbelievable. How am I going to fill this in? I seriously actually don't know

where to begin with this. This is so overwhelming. Do you think I can pay with gold?

I don't know, you may have to ask a cashier, I need you to handle it. Can I play with gold?

But actually I'm going to, you said I could pay with this? Okay, I'm going to pay with this

but I'm going to pay with gold. So look at the price of gold going up. That's pretty cool, yeah?

Right, this is Bades, yeah? How much gold did I pay? Gold, how many grams? 0.26,

0.26, quarter of a gram of gold. How about that? That's pretty cool. That's pretty cool, yeah.

Success, forward gold, paid with glints.

Welcome back to Pirate Muddy Radio with your host, Kevin Breeman.

Good morning and I are talking with Mark Manell from Financial Issues and we're talking about

a ripe over the break. I post some rapid fire questions. Let's talk economic justice. Is there

an on-ramp to the American Dream for young people? Why is capitalism a dirty word these days? Why are

they embracing socialism? It seems like America is the land of opportunity but a lot of young people,

especially in New York, voted for literally, I have to say it, I think he's communist. I think he's

a communist, he's islamist so he's not a biblical responsible guy and he's a globalist. He doesn't

believe in the nation state or individual liberty or the American dream or any of that. So what are

your thoughts when you see Zoran Memdani elected mayor of New York? It's saddens my heart,

especially for the younger people. They have been lied to, they've been manipulated. They've

seen all these radio and television programs, entertainment programs that lift up socialism,

lift up communism and you know that's just so sad because they don't tell the truth at all,

they don't show the poverty, they don't show the hopelessness that's in there. You know,

God created us to be productive. He created us to work. Before even sin entered the world,

we were tending to the garden. He gave us work. We feel God's peace and joy by our accomplishment and

our ability to the closer we get to our potential, the more we feel His joy. So I think that they've

been misled, they've been manipulated, but also I think it is just the general sin, the laziness

and the, you know, everybody thinks everything's owed to them these days because of the propaganda

and the brainwashing that's gone on in our colleges and through our media. So it's very, very sad.

The reality is you don't feel peace, you don't feel joy, you don't feel any of that when you don't

do anything. In fact, if you go to a socialist country, they have no hope. Even if they're being fed,

even if they have shelter, even if everything's there, they don't have the hope and the joy that

you have, what like you have under capitalism, under Christianity, under a godly capitalism. You

don't have that hope and joy in a society where you, you don't feel the productivity, you're

being paid not to be productive, you know, that makes you unproductive and makes you feel useless.

There's no hope there, but when you have the ability to actually create and grow and help others,

you start feeling the joy of what it means to be a steward and that's the key.

You know, and that is the key, but it's not just that you're, because you said we use the term

godless communist, but there were godly communists that tried this. Marnie, do you remember what

happened with the Plymouth colony and Governor Bradford? Bradford, yes. Exactly. I mean, it worked,

well, the theory of it works. Socialism, communism, all the theory of it works, but when only a few

worked and others got to partake of the labor, the fruit of the labor, they didn't work.

So people just started not working. Yep, the young people said why am I having to pay for this

other guy over here who's older than I am and not producing as much, but they shared everything

in common and they had a good intention. Ronald Reagan says that communism only works two places

in heaven where it's not needed in hell where it's absolutely the law of the land. That's what

creates hell. But the idea of the Plymouth colony was they thought we'll just share everything

in common and they were good godly people. It didn't work for them. How much worse is it going

to be with ungodly people? That's right. We have no hope whatsoever in eternal life or the power

of god in our life or his promises for them. So why should I work hard and all you do is fear

every day and it's like, well, that guy's not, it all comes down to least common denominator.

Everybody's going to do the absolute least they can do. And then when something goes wrong,

society, they starve to death is what happened. All right. So young people are on an on-ramp

death to not the American dream, but literally to a hellish system if they're pursuing communism.

But can you tell, can young people still succeed today? Because it's so unaffordable. And tell

me, if people start saving and investing at a young age, can they find success in America, Mark?

Absolutely. Absolutely. Anyone can find success in America. That's what's so great about our

country. Is this country was given to us by God? He decided there would be a United States of

America. Our constitution is what was written out of God. I mean, I really believe that this nation

offers the ability for everyone to succeed if they try, if they focus properly and they give

their best to what God had been able to do. All right. There's threats to America. They're

rising. We're going to be talking about the threats to America and how we overcome them with

biblical principles. And we're talking with Mark Manell. It will be right back after this break.

Washington said paper money opens the door to every species of fraud and injustice.

Jefferson said paper is poverty. Hamilton said to emit an unfunded paper as the

sign of value ought not to continue a formal part of the constitution. The founders hated paper

money. So they put a pirate money clause in the constitution for our state to use.

Learn more at transactionalgoal.com.

And I'm joined by Marney Freeman and Mark Manell. We were just talking before the break about

the biggest threats to America. I wonder if Art Allie views you as one of the biggest threats to

his future. I'm one of the biggest threats to his refrigerator and coverage for sure. But now,

since Mark said he might be holding gold in there, I might need to go re-clean out the refrigerator.

Are you sure that you didn't throw out in one of those trash bags? I mean, I look.

Maybe he's hidden inside one of those expired food things. People hold things like secret things

in cans of Campbell's soup. They're fake cans. Maybe he had something in that expired food.

Like you said, little things of Bitcoin. A flash or a flash. I don't see Art Allie from

Timothy Planned Bitcoin. I do not. All right, so we were talking about threats, Mark.

What do you see the biggest threats to the future of America?

Oh, absolutely. Without a doubt, it's our debt. The national debt and the deficit spending.

Those two things, I know people say, well, what about China? What about inflation? What about?

Well, inflation will be one of the characteristics that happened if we don't get our debt under control.

We are like 30 foot from the edge of the waterfall right now with our debt. At $38 trillion,

if we don't get this under control, it will get to the point to where we'll have to start

printing money left and right. That'll cause inflation. We'll lose our standing in the world as a

world currency. We'll lose our the respect of every country. People will start selling off

our bonds. We'll buy our bonds so we won't be able to finance like that. So we'll have inflation,

inflation, hyperinflation. We'll see our economy crash. We need to get our debt under control.

That is the number one risk. And granted, I really believe this administration is working towards

that. I've seen the deficit coming down actually. For people who are willing to look at the real

numbers, not just what you're told on on main media, our mainstream media, but look at the real

numbers. The deficit is coming down, but it needs to be do more than come down. It has to get down

to zero and we need to reduce the debt. I believe our president and his administration are working hard

to get that done. They had a year to get all the infrastructure in place and now they're going

forward making sure that they're able to do this step by step. All right. So I'm going to agree

with you that that is the number one, but but I'm going to share with you what I believe. I believe

that there are four horsemen of the American apocalypse. It's in my new book that will be out soon,

I hope. Communism, the red horse, Islam, the green horse, globalism, the blue horse,

and traders, cowards, and fools, the yellow horse. And it's interesting. I have six trials by

fire. Number one trial is our national debt, but I want to point out to you that all of those

four horsemen were unleashed when we left sound money when Nixon took us off the gold standard.

So now we have a $40 trillion debt that leads to a tax on our currency from the red, the green,

the blue, and the yellow, which is the second thing is a tax on our currency. Then people say,

well, our solution is central bank digital currency. That's the third trial by fire.

The fourth trial by fire is that is creating a wealth gap. So the rich get richer, the poor get

poor. It's harder for people to keep their head above water, which leads to the fifth trial by

fire, which is demographics. So young people say, well, you know what? I can't I can't get married

at age 20 after wait till age 30. A hundred years ago, young people got married at age 20.

Today they get married 29.6 is the average the average age of marriage for a woman and she'll

wait 3.3 years before she'll have a baby. The net result, you know, 126 years ago, she would

get married at age 20 and have a baby within a year and have six total kids. We've created a

demographic problem. We're not reproducing ourselves. 1.6 is the average birth rate, which leads to

the sixth trial by fire, which is mass immigration of people who don't share our values.

All of those come mark your exactly right. They come from the national debt. That's where it started

and all of that got unleashed when we left sound money. So we're going to have to wrap up. We've

got less than a minute. Tell us again how people can follow financial issues and where they can

learn ways that they can invest so that they can overcome the inflation problem and stay keep

their heads above water. Where do they find you, Mark? Join us every morning, every weekday morning

from 90 to name it Eastern time on financialissues.org. Financialissues.org or you can look it up,

see if we're in a local TV or radio. We're on over 500 different radio and television stations,

almost 600 now. So you can catch us there and there's repeats obviously throughout all social

media. You can watch, you can run, stream us and enjoy. All right. That wraps up pirate money

radio this week unless you're following us on AFR or one of our podcasts. In that case,

you need to stay tuned. We've got one more segment if you're on AFR with a great Mark Monello.

Here's a $10 bill. It's got the picture of Alexander Hamilton on the front of it.

You know, it's kind of sad. When I was 10 years old, everything that I could buy for a dollar now

costs about $10. That's the cost of inflation. It's just paper. It's not backed by anything.

You can't exchange it for gold and silver. You used to, but you can't do that anymore.

And that's unfortunate. Pirates wouldn't accept this. Pirates, they wanted gold and silver.

Patriots, the founders of this nation also wanted gold and silver coin. In fact,

they put a provision in the Constitution. 17 words that said states could only make gold and

silver coins tender within the states. That's why I wrote this new book pirate money discovering

the founders hidden plan for economic justice and defeating the great reset. It will explain

exactly the history of money and exactly why gold and silver coins can be made modern with new

technology and a useful monetary system, PirateMoneyBook.com.

Welcome back to PirateMoney Radio with your host, Kevin Freeman.

Yeah, I'm joined by Marty. We're talking about Mark Manella financial issues.

And you know, we're talking about, there's some big challenges. One of the challenges you've

mentioned right before the break was this huge national debt. And there were so many feet away

from going over the waterfall. And it's a little bit scary, but you don't seem to be a person without

hope. What gives you hope, Mark? Oh, no, I do have hope. First of all, my hope is in the Lord.

I know our God. Yes, I've read the book and I know it's going to get worse over and over,

but right now we have the hope in the Lord. And he does say he cares for us. He promises these

things. So we can hope in the Lord and we can go forward. But there are things like right now.

When I see what's going on with this administration, how they are actually lowering costs,

you mentioned affordability. You know, I did a quick real look here. Did you know that use cars

and trucks since the peak in the Biden years is are down 25%. Shipping freight is down to 85%.

Lumbars down 60 to 70%. Gas lanes down 35 to 45%. Heating oils down 30 to 40%.

Even apparel is down 5 to 10%. We're seeing all this stuff being pulled back to being affordable.

Now granted inflation, when the dollar drops in in its value, things are going to cost more.

Until the economy can pick up and get more products out there so that we don't have as many

dollars chasing it. You know, that's called the cancel on effect. I don't know if you studied

this, but Richard Cantalon, Irish French economist during the 18th century was writing about how

when you produce a lot of money, the people close to the king, they profit from it, but further

away they suffer from the inflation caused by it. And I think we Biden was acting like king or

as administration. I don't know if he was mentally all there, but he was acting like king.

And the net result is his buddy seemed to make out and the rest of Americans seem to suffer.

And what you're saying is you think that President Trump is making some wise decisions

with some of these financials. I hope Doge steps up and guts the bureaucracy because we're

spending way too much money and have so much waste for odd abuse.

You're doing a good job, man. Go ahead, Murray.

I'd say unleashed people to be creative, to be able to spend by cell, create, do the things

that they need to do that God has called them to do.

You know, that's what President Reagan, when I met President Reagan,

what he said, thank you for what you did for our economy. He said all I did was get government,

pardon me, audience, but he said get government the hell out of the way.

So you good people could build an economy.

Yeah. Wow. And that's perfect. That's exactly it.

And they're doing that too. We're seeing all the regulations being reviewed and many of them

just going by the wayside now, left and right, thousands upon thousands of regulations that have

kept people from being able to be productive, to be to be creative, to create new companies,

and to create new businesses. Okay, give us one scripture that to share with our audience

that we'll have to wrap up. Matthew, 10, 16.

Therefore, behold, I send you forth as sheep among wolves.

Therefore, be wise as a serpent, gentle as a dog.

Being wise as a serpent means having the knowledge of how the world works,

and gentle as a dog means applying that in a godly way that works as God and God be perfect.

All right. So pray for America.

Pray for the return to God's principles.

To listen wherever you get your podcasts, it's Kevin and Monty Freeman.

Join by Mark Manella for Pirate Money Radio.

Arggg!