Orrin Woodward on LIFE & Leadership

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    Former Guinness World Record Holder for largest book signing ever, Orrin Woodward is a NY Times bestselling author of And Justice For All along with RESOLVED & coauthor of LeaderShift and Launching a Leadership Revolution. His books have sold over one million copies in the financial, leadership and liberty fields. RESOLVED: 13 Resolutions For LIFE made the Top 100 All-Time Best Leadership Books and the 13 Resolutions are the framework for the top selling Mental Fitness Challenge personal development program.

    Orrin made the Top 20 Inc. Magazine Leadership list & has co-founded two multi-million dollar leadership companies. Currently, he serves as the Chairman of the Board of the LIFE. He has a B.S. degree from GMI-EMI (now Kettering University) in manufacturing systems engineering. He holds four U.S. patents, and won an exclusive National Technical Benchmarking Award.

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Financial Matrix Debt Money

Posted by Orrin Woodward on February 5, 2015

It’s important to remember that money was not created by the state. Rather, as Mises points out, entrepreneurs created money by trial and error through realizing that gold and silver could be exchanged for current production at any time. Money simply was a measurement of exchange value ratios. Indeed, the rediscovery of gold and silver money led to an explosion of middle-class wealth as people were rewarded for producing more. The gold standard ensured justice for the masses against elites attempts to manipulate the exchange values of monetary system. Because gold is a fixed-quantity and difficult to mine, inflation was low and predictable, whereas the increased division-of-labor caused by the capitalistic system to create more wealth for more people than at any time in recorded history. The gold standard, in short, ensured justice for all by checking the elites desire to create a Financial Matrix by controlling capital.

Unfortunately, however, the elites will not rest until they build a matrix to control the masses wealth. Hence, at the turn of the 20th century, the state and its elite cronies, broke through the gold-standard barrier and created the Financial Matrix. Through using fiat money (money not backed by gold or silver), the elites flooded the marketplace with bogus exchange values causing rapid inflation and rampant injustice. The Financial Matrix was birthed through a web of fractional-reserve banking (FRB), increasing national debts, and increasing taxes. One can recognize the extent of the monetary injustice caused by the Financial Matrix when studying what inflation has done to the value of the US dollar. For instance, the value of one dollar in 1913 is now worth less than four cents today. Or, said differently, one needs 25 dollars today to buy what one dollar purchased in 1913.

Inflation, however, is just one of the many injustices associated with the Financial Matrix. When inflation is combined with the increased personal and national debts (which result in an increase in taxation), one can see why the masses across the civilized world struggle to make ends meet. Indeed, the government-sponsored fractional reserve banking (FRB) system allows banks to partner with the central bank to create the majority of society’s money out of thin air. That’s correct, the FRB system permits banks to loan money into existence while the borrower must pay this fiat loan back with money he must earn through production.

In essence, artificial dollars are created without any real production and then loaned to people who must pay back the loan with interest from real production. Absurdly, the FRB system allows banks to create fake units of exchange that must be paid back by the borrower with real units of exchange plus interest. This is why the FRB system is the root of the new matrix of control and why the Financial Matrix is the most effective form of elites control ever developed. Moreover, the crony-capitalistic FRB system sets the low-interest rates which create the boom/bust cycle plaguing modern society. And, to add insult to injury, once the FRB system fosters the predictable boom/bust cycle, the boom is credited to the ingenious money controllers while the bust is blamed on the free markets. Apparently, its a loaded game of heads and tails where heads means the elites win and tails means the masses lose!

Although economists the caliber of Ricardo, Mises, and Von Hayek have insisted the FRB system is fraudulent and unstable, it survives through the masses ignorance and the elites support. Perhaps British Monetary Reformer, Michael Rowbotham, described the fraudulent nature of the FRB system the best when he wrote:

The creation and supply of money is now left almost entirely to banks and other lending institutions. Most people imagine that if they borrow from a bank, they are borrowing other people’s money. In fact, when banks and building societies make any loan, they create new money. Money loaned by a bank is not a loan of pre-existent money; money loaned by a bank is additional money created. The stream of money generated by people, businesses and governments constantly borrowing from banks and other lending institutions is relied upon to supply the economy as a whole. Thus the supply of money depends upon people going into debt, and the level of debt within an economy is no more than a measure of the amount of money that has been created…

In effect, today’s Financial Matrix relies upon millions of people voluntarily selling themselves into financial slavery. For when one combines artificially-low centrally-controlled interest rates to the FRB system, one has an irresistible combination that leads consumers and entrepreneurs to borrow money into existence. This money-creation, however, leads to the inflation. The inflation causes the boom/bust cycle when prices skyrocket. At this point, the consumers and entrepreneurs default on the loans they can no longer service and the bust wipes out the inflated values created during the boom. Not surprisingly, the boom/bust cycle occurred twice during the Greenspan-controlled central banking era. In both cases, the artificially-controlled low interest rates fueled the consumer’s appetite for speculation and “easy” profits. The internet bubble increased the Nasdaq nearly by a factor of five during the boom between 19995 and 2000, but it then preceded to collapse by over 60% between 2000-2001.

Regrettably, controllers seem to be perpetual optimist go from failure to failure without learning anything. As a result, when the twin-towers came crashing down, Greenspan repeated the same policy which caused the previous boom/bust cycle. This time, however, money poured into the housing markets and prices shot upwards of 50% in just a few short years. Not shockingly, the mortgage companies sought to maximize profits by helping everyone qualify for a home mortgage, even those who didn’t have steady jobs. The increase in mortgages exploded the money supply which further fueled higher priced houses and mortgages. The housing bubble was blowing up. Predictably, however, when the non-qualified borrowers could not make their mortgage payments, the housing bubble collapsed, the money supply collapsed, and the financial house of cards nearly followed them, but for government bail outs.

Above all, however, is the loss of house equities that have occurred since 1950. Disgracefully, the Financial Matrix has gutted the home-equity percentages (amount of value owned after subtracting all mortgages), decreasing home-equity percentages (percentage of ownership free from house loans) from over 80% to just over 30% today. This indicates that the Financial Matrix has gutted nearly 50% of the USA’s $25 trillion housing market in the last 60 years! That’s correct, nearly $12.5 trillion dollars (almost as much as the total USA national debt) lost by US citizens without so much as a whimper.

Americans sense something isn’t right, but few have a clue what it is, let alone how to fix it. Indeed, both the Occupy Wall Street and Tea Party movements formed as protests against injustice and exploitation. Protests without plans, however, usually leads to rebellion and peasant rebellions have a poor historical track records in generating positive change. Instead, the masses must learn to exit the Financial Matrix through a disciplined plan of financial defense and offense. This is why we formed LIFE Leadership and why we created the Financial Fitness Program – to teach people how to exit the Financial Matrix without violence. Remember, one is not coerced into the Financial Matrix, but rather enticed.

To me, the Financial Matrix is eerily similar to Neo’s discovery of the matrix in the movie called The Matrix. In several scenes, Morpheus reveals to Neo that the world is not as it seems. That a matrix controls the masses whether they are working, playing, or sleeping. The matrix is, “the world that has been pulled over your eyes, to blind you from the truth.” Neo, needless to say, asked what truth Morpheus was referring to and learns, “That you are a slave, Neo. Like everyone else, you were born into bondage, born into a prison that you cannot smell or taste or touch. A prison…for your mind….Unfortunately, no one can be… told what the Matrix is… you have to see it for yourself.” Morpheus places two pills before Neo and explains that if Neo takes the blue pill he will live an illusion and never escape the matrix, but if he takes the red pill, he will learn the truth about the matrix and learn how to set himself free.

If you, like Neo, have been searching for answers, the good news is: the search is over. The blue and red pills have been placed before you. Do you take the red pill, read the rest of the book, and learn how deep the rabbit hole goes or do you take the blue pill, set down the book, and believe the illusion of whatever you want to believe. Your destiny hangs in the balance. Choose wisely.


Orrin WoodwardLIFE Leadership

29 Responses to “Financial Matrix Debt Money”

  1. Elaine Mallios said

    Let’s get more Financial Fitness Packs out there. I sold seven on our free trip to Jamaica! Most people are clueless. Indeed, I was too. Give me the red pill! I wonder if the bankers have any idea what a loan actually means. In real estate, we deal with banks a lot and I don’t think they do.

    • Orrin Woodward said

      Elaine, Most bank personnel are just employees and have no idea what fractional reserve banking is, just like I didn’t when I obtained my first mortgage. thanks, Orrin

  2. Jim Wilson said

    Or him. Thank you again for another firm blog. In looking at the low interest rates created by Greenspan, if you factor in the inflation caused by the increase my supply and call that an interest-rate the interest-rate is not so low. Jim Wilson

    • Orrin Woodward said

      Jim, the inflations rises all the prices for entrepreneurs and what they borrowed the money for is no longer profitable at the higher prices; therefore, bankruptcies flood the market and banks buy back capital goods for pennies on the dollar while the entrepreneur is still on the line for the rest of the loan or declares personal and business bankruptcy. thanks, Orrin

  3. Jim Wilson said

    Orrin. Please forgive this misspelling of your name. Siri does not understand Texan very well and I did not proofread well. Jim Wilson

  4. Tennyson Heen said

    Love the information that you and the policy council keep putting out for the public to access, since in general they don’t access this necessary information to help make the proper choices.
    LIFE Leadership can’t grow fast enough.
    The lack of financial literacy is staggering and it is great the way you, Chris Brady and the the rest of the Policy Council work at breaking it down. This really needs to get into all school systems. K-12 and the college and university systems. Starts in our homes.

  5. It’s amazing to me how you can understand a point like this, and truth is confirmed but yet it’s so difficult to describe and make the point in return to someone else, yourself. I’m amazed Orrin at how you can drive the point home and help people understand the message you’re trying to communicate. Thank you so much for your leadership!

    This truth is scary, but oh so real!

  6. steve sager said

    What’s really crazy is I’m curious as to what percentage of high school and college students actually know what FRB is?

    I sure didn’t until LIFELeadership gave me the red pill in my 30’s… and I wish I had it back in my “schooling days” in my late teens and early 20s….

    Thanks Orrin for your hard work, research and duty/honor in providing such valuable information.

    Steve Sager
    Stealth UF

    • Jim Wilson said

      I wasn’t taught it in high school in the 50″s. Although, somewhere along the line, I did discover banks were loaning out more than were taking in but I didn’t know what it was called and correlate increasing the money supply until this discussion. It’s vitally that we get this information out.
      Jim Wilson

  7. April Sellen said

    Hi Orrin,
    What happens when these very people get themselves out of the financial matrix? Does the entire economy collapse?

    • Orrin Woodward said

      April, good question. I believe that well before that, society will have enough fiscal responsibility to return to a gold/silver standard and track real units of value rather than allow the aristocracy to create fiat values. Societal responsibility is always a good thing. 🙂 thanks, Orrin

  8. Rob Crichlow said

    Thanks Orrin for this very thorough examination of our money system and how it effects us without us knowing about it. We need to help spread the truth and get people out of their unknown financial bondage. Lead on!

  9. Stephanie Burkhardt said

    My Grandfather used to tell us as kids how the dollar used to be backed by gold. This was in the late 80s. I was 9 or 10 yrs old at the time. But I never forgot that bit of information. Even at that young of an age I was able to understand some about the difference between gold and paper money because of how it was explained to me.

    Thanks for painting a clear picture of the elitists movements of control Orrin.
    Your voice is much appreciated!

    • casey jones said

      In the light of your grandfathers teaching were you able to stay debt free?

      • Stephanie Burkhardt said

        Yes I’m 34 with a zero credit score 🙂

      • Stephanie Burkhardt said

        My father was a huge influence. Watching him climb out of a mountain of debt and paying it off. He was a great example to me, and always was against any kind of credit cards 🙂

  10. Becca said

    While I believe the intent of this Life Leadership program has provided some very useful information – such as breaking down the financial matrix as Mr. Hatch has so clearly, succinctly and easily broken down even for those with no financial background – I find it interesting and a dichotomy that to gain access to this requires a not insubstantial fee. And, while I have not looked further into the program, is additional expenditure necessary to “progress” through and gain information to overcome this dependence and gain further instruction on how to do this? Most respectfully asked/posited, but it seems, as noted previously, that a purchase price (one that’s not insubstantial) further drawing people into the matrix? Spending $$ for information which “may” [again, as I have not looked into the program further once the $90 or $99 purchase price was presented] further maintain this financial matrix debt money? I imagine a credit card is required: again, doesn’t that fly in the face of what this insightful and well written piece is indicating should be eradicated since it’s not “real” money backed by gold. Instead, it’s propagating use of this “phantomly” supported supply. Either the purchase price should be eliminated in full to allow *everyone* the opportunity to learn and change, or a *much* reduced price. An interesting dichotomy of the entire LIFE program. Get more by buying more and bringing more people aboard, those who also have to pay more and more for information, further contributing to the FBR system. Thoughts??

    • Orrin Woodward said

      Becca, until a person separates the difference between and investment (something that produces a return) and an expense (something that does not produce a return), he will either live like a pauper (minimize both investments and expenses) or live like people in the Financial Matrix (maximize expenses and minimize investments). What LIFE Leadership teaches is to minimize expense and maximize investments. A person may start with small investments and then build up after he has wiped out some of the debt which is where the real money is wasted. Inch by inch success is achievable and we have many who did just that. The FRB system is only funded by debt so as people wipe out debt they are unplugging from debt system. 🙂 Pick up the Financial Fitness Pack and apply the defensive strategies, save thousands of dollars per month, then go on offense with some of the money saved. thanks, Orrin

      • Stephanie Burkhardt said

        Learning to cut back on cable and other draining excessive entertainment costs, and turning that money into an investment is key to moving forward in the Life business. The cost of the books and cds are really affordable and life changing.

  11. Rick Tillmann said

    A quarter of a million dollars invested into my education. No one, in any institution of “higher learning” ever taught me this. Thanks for the red pill, Orrin

  12. John Skogstoe said

    Thanks Orrin! That is the clearest explanation yet of the Financial Matrix mess we are in.

  13. Kirk Birtles said

    Orrin, I absolutely love the focus of LIFE Leadership to help people unplug from the financial matrix and get financially fit & free! Just like anything in life, it takes logging 10,000 hours to master any subject, finances are no different! Unfortunately, most people log very few financial fitness hours before they listen to the world and make massive financial mistakes that take 20+ years to recover from! Thanks to you and LIFE Leadership for making it so simple to start logging hours into our financial fitness! kb

  14. Thanks for this article Orrin, very insightful. I also enjoyed the talk you gave in Molina on this subject.
    As I have thought about the Financial Matrix, I wonder if there is still another level of the matrix that has us all hood-winked. As I have studied the life of Christ, money is rarely mentioned. He seemed to have what he needed when he needed it, and it doesn’t appear that he had a job. He was able to manifest bread, fish, and anything that was needed at the moment he needed it. He invites us to follow him, and to do the works that he has done. We should be able to do what he did (except for suffering for the sins of the world)
    “He that believeth on me, the works that I do shall he do also, and greater works than these shall he do…” John 14:12
    He invites to live as he lived, to do the things he did. He taught that we should take “no thought” for our needs (Matthew 6:25-34, Luke 12:22-33), but to seek first to build his kingdom and all that we need will be added to us. I know you are familiar with these scriptures. I just can’t help but feel there is an even deeper layer to this financial matrix, and Christ showed us that a man can live his purpose without being shackled to a financial system, even when everyone around you is. It doesn’t appear that Christ was limited by money, he was free to live his purpose regardless of money. I am free because Christ has made me free, not because of money.
    Just food for thought… I’m still trying to put the puzzle pieces together on how to do things the way Jesus Christ did them.
    Thanks for all the good you do!

    • Orrin Woodward said

      Arden, Great thoughts! The ultimate matrix is, of course, good vs evil or more particularly, God vs. Satan over man. That said, when man is obeying God, he has leadership responsibilities in the world, “be fruitful, multiply, and replenish the earth. Further, in Micah 6:8, God commanded, “The Lord God has told us what is right and what he demands: “See that justice is done, let mercy be your first concern, and humbly obey your God.” Therefore, I am going to love the Lord by following his commandments and love others by seeking justice for all. thanks, Orrin

  15. John Mossner said

    I believe I read somewhere, and it begs to reason, that if you think about the fact that the Federal Reserve can print any amount of money now, then why are taxes even needed? The only reason is that the charade would be discovered. If no one had to paid taxes, but the government/military/etc. kept running, people would then know something is not right. Made me think when I read it. Made me mad too. Thanks for opening so many people’s eyes with this information. So glad we have something to do to help fix the issue in our lives, in other’s lives and the ultimately fix this country.

  16. Greg said


    It amazes me the lengths to which the elite will go to control the masses, and deception and manipulation of the media seem to be key components in the implementation. It is stunning to see how many have fallen for the tactics to financially be enslaved and not even realize it.

    The information you are providing in a simple straight forward style will have a profound impact when that message gets conveyed to a greater number. Keep providing your nuggets of wisdom that you uncover. It will be a blessing to mankind.

  17. It sounds like you signed up for a 5 year balloon mortgage which means you need to refinance or come up with 400K to payoff the loan. I have never seen anyone use anything other than a 1003 for a mortgage application. If the loan documents that were signed at closing by your father were different from what you agreed to you may have a grievance to file with your local state attorney generals office. Just because you were not there to sign does not excuse the broker from pulling a switch on loan programs.. To learn more on loan tips, you can visit :- http://loanemu.com/how-to-compare-and-choose-the-best-loan-plan.html

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