Orrin Woodward Leadership

Inc Magazine Top 20 Leader shares his financial & leadership secrets.

  • Orrin Woodward

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    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 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 Leadership. 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.

    This blog is an Alltop selection and ranked in HR's Top 100 Blogs for Management & Leadership.

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Financial bondage is a form of slavery.

Fractional Reserve Banking: Power, Profits, & Pain

Posted by Orrin Woodward on April 19, 2015

6a00e54eedbee1883401b7c77b0f32970b-320wiThe key to understanding the Financial Matrix is to recognize how the banking system uses the fractional reserve banking (FRB) process in partnership with the central bank to form a bank cartel insured by the national government. Without this trilateral partnership, the banking cartel, with the FRB systems inherent inconsistencies would cause the cartel to collapse under its own weight. Indeed, the whole point of my new book to be released by LIFE Leadership next week is to describe a plan out of the FRB fueled banking cartel to protect your family. Just how bad is the FRB system?

Imagine playing a game of musical chairs where the same chair is fraudulently issued to 10 different people without their knowledge. While the music is playing, during the “boom” phase, everyone is happy and the economy appears to be growing rapidly;  however, as debt increases, so too do the prices of everything caused by the predictable inflation. Eventually the prices of houses, cars, and other big ticket items outrun the ability of the consumers to service the debt and the music stops abruptly. The “boom” period has now transformed into the “bust” phase as the highly unstable and inflated money supply burst because the consumers cannot afford to pay the interest and principal payments on their bloated debt. 

Not surprisingly, when the music stops, the consumers discover they do not have actual chairs (real commodity money) to sit down in. Thus, the weakest financially crash to the ground first, but it doesn’t stop there. For the failure of the banks marginal loan qualifiers causes a cascading effect (I would say like a row of falling dominoes, but I don’t want to mix my metaphors :) ) until only the most conservative financially can survive at all during the bust.

For example, remember how the failures of the riskiest mortgages brought the failures of many others who thought they had solid mortgages? The domino effects of bad bad loan failures to “good” loan failures happened when the housing prices dropped 50% or more during the “bust”. Loans, in other words, that are good when house is worth $500,000 and a person owes $400,000, are defaulted upon when house falls in price to only $250,000 and the person still owes $400,000! The person has quickly realized he is missing his chair. 

Of course, the banks win during the “boom” with massive amounts of profit from interest payments and also win during the “bust” because they are insured from loss by government bailouts and the central bank money injections. The coup-de-grace is when they also foreclose on real properties for pennies on the dollar leaving the debtor bankrupted.  Absurdly, the system is set up for “heads” the bankers win and “tails” the borrowers lose. For the consumers are bankrupted by the counterfeit paper chairs and the banks are bolstered by bailouts and property surrendered by debtors as collateral. Sadly, it doesn’t even end there.  Because now the bank cartel can start the music all over again, offering incredible interest rates and no money down, to seduce new borrowers into the shearing room for the next game of musical chairs.  

The more I study the money system, the more amazed I am at the gullibility of the masses and governments to support a game that leads to their own demise. It’s seems like the modern world enjoys to punish itself for Big Banker profits. In reality, the Financial Matrix relies upon the unsuspecting people’s Financial Literacy ignorance. Indeed, few understand how money is created even though it is hidden from them. Rather, most people do not like to think upon issues that threaten them and choose the ostrich approach of working 8-10 hours per day for 40 plus years wondering why it seems they have to work harder every year for less gain.

Productivity increases around the world and yet the masses get broker and no one seems to know why. Then, paradoxically, we demand our government (BTW, this is beyond a party issue as Republicans and Democrats both love borrowing fiat money from the bank cartel) to help us even though they are the ones supporting the cartel in the first place. This would be like crying out for the bully’s right arm to defend us from his left arm currently pummeling us.

Do you really think that is going to work? To be sure, the national government will raise your taxes and launch numerous initiatives, but the money cartel isn’t afraid because no one gets elected without their approval (after all they can print money out of thin air, who is in a position to out fund them?) and financial support. Allowing bank cartel to print money out of thin air is nothing less than a total surrender of sovereignty and our nation has become a government of the banks, by the banks, and for the banks. 

There is one thing, however, that the people could do. And, if they did so, it could change everything. Not just for themselves but for our nation. Get out of DEBT and stay out of DEBT! When the masses awake and learn Financial Literacy, I can promise you the banker cartel will tremble in its fiat paper boots. For only then will the people stop enslaving themselves for things they do not truly need and the game of musical chair will end. Further, when the people set themselves free, then we are in the moral position necessary to demand the government set itself free from the Financial Matrix also. Isn’t it hypocritical, in other words, to demand our government to be debt free when we are not debt free ourselves? 

The great economist of the Austrian School, Murray Rothbard studied how the Banking Cartel creates money:

Here’s how the counterfeiting process works in today’s world. Let’s say that the Federal Reserve, as usual, decides that it wants to expand (i.e., inflate) the money supply. The Federal Reserve decides to go into the market (called the “open market”) and purchase an asset. It doesn’t really matter what asset it buys; the important point is that it writes out a check. The Fed could, if it wanted to, buy any asset it wished, including corporate stocks, buildings, or foreign currency. In practice, it almost always buys US government securities.

Let’s assume that the Fed buys $10,000,000 of US Treasury bills from some “approved” government bond dealer (a small group), say Shearson Lehman on Wall Street. The Fed writes out a check for $10,000,000, which it gives to Shearson Lehman in exchange for $10,000,000 in US securities. Where does the Fed get the $10,000,000 to pay Shearson Lehman? It creates the money out of thin air. Shearson Lehman can do only one thing with the check: deposit it in its checking account at a commercial bank, say Chase Manhattan. The “money supply” of the country has already increased by $10,000,000; no one else’s checking account has decreased at all. There has been a net increase of $10,000,000.

But this is only the beginning of the inflationary counterfeiting process. For Chase Manhattan is delighted to get a check on the Fed, and rushes down to deposit it in its own checking account at the Fed, which now increases by $10,000,000. But this checking account constitutes the “reserves” of the banks, which have now increased across the nation by $10,000,000. But this means that Chase Manhattan can create deposits based on these reserves, and that, as checks and reserves seep out to other banks (much as the Rothbard Bank deposits did), each one can add its inflationary mite, until the banking system as a whole has increased its demand deposits by $100,000,000, ten times the original purchase of assets by the Fed. The banking system is allowed to keep reserves amounting to 10 percent of its deposits, which means that the “money multiplier” — the amount of deposits the banks can expand on top of reserves — is 10. A purchase of assets of $10 million by the Fed has generated very quickly a tenfold ($100,000,000) increase in the money supply of the banking system as a whole.

Did you get that? The Federal Reserve (Central Bank) writes a check backed by no real bank assets (instead its merely a debt imposed upon American productivity without collateral)  to purchase Treasury Bills from one of the Big Banks. The Big Banks then start the music again and seduce the next round of musical chair victims (usually mortgage loans since approximately 70% of USA money supply is created from house mortgages). The banks make interest on money created out of thin air, the government funds it debts, and the consumer play another round of musical chairs as the prices of everything rise during the boom and fall during the predictable bust. The people are sheared yet again because they do not understand the Misean/Hayekian Austrian Business Cycle theory. 

Jorg Guido Hulsmann

Jorg Guido Hulsmann

Jörg Guido Hülsmann, in his fascinating treatise, The Ethics of Money Production, described the fiat money and fractional reserve banking cartel. He explained the whole system relies on legal privileges and special deals for the few against the many. Hülsmann has nailed the reason why the Financial Matrix is thriving and why each reader ought to protect his family by eliminating ALL DEBT through applying the principles taught in our #1 bestselling product the Financial Fitness Program:

There is no tenable economic, legal, moral, or spiritual rationale that could be adduced in justification of paper money and fractional-reserve banking. The prevailing ways of money production, relying as they do on a panoply of legal privileges, are alien elements in the capitalist [i.e., true free market] economy. They provide illicit incomes, encourage irresponsibility and dependence, stimulate the artificial centralization of political and economic decision-making, and constantly create fundamental disequilibria that threaten the life and welfare of millions of people. In short, paper money and fractional-reserve banking go a long way toward accounting for the excesses for which the capitalist economy is widely chided.

We have argued that these monetary institutions have not come into existence out of any economic necessity. They have been created because they allow an alliance of politicians and bankers to enrich themselves at the expense of all other strata of society. This alliance emerged rather spontaneously in the seventeenth century; it developed in multifarious ways up to the present day, and in the course of its development it created the current monetary institutions.

…The driving force that propelled the development of central banks and paper money was the reckless determination of governments, both aristocratic and democratic, to increase their revenue, if necessary in violation of good faith and of all established rules of commerce.

In sum, government power, banker profits and the people’s pain all increase while the people’s freedoms and pocketbook decrease. This is the “joy” of living in the Financial Matrix.

Sincerely,

Orrin Woodward

Posted in Finances, Freedom/Liberty, LIFE Leadership, Orrin Woodward | 58 Comments »

The Matrices of Control: Physical, Feudal, & Financial

Posted by Orrin Woodward on April 8, 2015

Over the years, with consistent study and reflection, I have discovered three matrices of control over people’s production – the physical, feudal, and financial matrices. The Physical Matrix, of course, was slavery and has been practiced since practically the origins of humanity. The feudal system was serfdom and was practiced for over 1,000 years during the middle-ages and beginning of the modern age.

Today’s system of control, however, is known as the Financial Matrix. This matrices utilizes the bank cartel to control the world’s money supply to benefit the elites at the masses expense. What makes this system so nefarious is that few even understand its existence let alone how it works. This short twenty minute video describes mankind’s historical challenge with the elites and the three matrices of control.

My new book The Financial Matrix will describe how to respond to this system by utilizing the Financial Fitness Program and the LIFE Leadership business to protect your family and friends.

Sincerely,

Orrin Woodward

Posted in Finances, Freedom/Liberty, LIFE Leadership, Orrin Woodward | 14 Comments »

Entrepreneurial Prime Movers: Part 3

Posted by Orrin Woodward on March 31, 2015

Great entrepreneurs create the future. They do so by sorting through the noise to see where the trends and technologies are taking the marketplace. LIFE Leadership has studied the trends and technologies and sees a tremendous opportunity in home-based businesses centered around internet efficiencies, improved distribution systems, and franchising principles.

For the fastest escape from the Financial Matrix is learning to play defense, offense, and understanding the playing field of finances. The Financial Fitness Program (FFP) is the only program that teaches all three and why it’s the best-selling product in LIFE. Have you protected your family from the Financial Matrix? If not, perhaps it’s time you joined the modern day underground railroad and plan your escape. :)

Sincerely,

Orrin Woodward

Posted in Finances | 5 Comments »

LIFE Leadership: What Do You Do?

Posted by Orrin Woodward on March 17, 2015

Many times, I get asked what I do and my answer has been honed down to a few simple statements. It’s amazing to me how many people recognize something is wrong financially in the world, but how few have a plan to fix their personal finances. Enter LIFE Leadership and the Financial Fitness Program (FFP). It’s a systematic plan to eliminate debt, start investing in themselves, and begin building a business asset (bridge building versus barge working) by teaching others how to escape the Financial Matrix.

Of course, not everyone is looking for answers, but I have never seen a time where more people are in tune with the challenges and seeking help. To me, I am not building a business on purpose anymore, but rather building my purpose on business. For I have always helped people financially as I realized the negative effects of debt stress early in life. Now, I get rewarded for doing what the Bible tells me to do anyway – “Love people as I love myself.” I don’t tolerate debt personally and if I love others I will help them not tolerate it in their life either.

The Bible states, “The borrower is a slave to the lender.” If one of your friends was in trouble, wouldn’t you want to help? Friends, in a  word, don’t let friends stay enslaved. Here is the gist of discussions I have been having with people since I discovered the Financial Matrix. Indeed, many people, who have known for years, are now wanting to get together and talk because the messaging is so clear, simple, and logical. What is your plan out of the Financial Matrix?

Question: What do you do?

I am a Director on the Underground Railroad, helping people escape the Financial Matrix.

Question: What’s the Financial Matrix?

It’s the aristocracy’s most effective system of control ever. It ensures debt and stress for the people and profit and control for them. The problem is the increased debt levels for people and governments are unsustainable. Have you noticed the rapid increase in debt levels around the world?

Yes or No or Maybe So

The good news is that there is a step-by-step plan out of the Financial Matrix. I cannot promise anything, but I think it’s worth grabbing a coffee and going over some of the details to ensure your family is protected. Which night works best for you Wed or Thursday?

Sincerely,

Orrin Woodward

Posted in Finances, Freedom/Liberty, LIFE Leadership | 39 Comments »

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.

Sincerely,

Orrin WoodwardLIFE Leadership

Posted in Finances, Freedom/Liberty | 28 Comments »

The Financial Matrix System

Posted by Orrin Woodward on February 4, 2015

My twenty years of research into the political, economic, and social histories of state and society have revealed some startling discoveries. In essence, the aristocratic elites of every generation have developed control matrices to exploit the productive capacity of the masses. Indeed, one of the first clues came from reading French political philosopher Bertrand De Jouvenel. In his book On Power, he wrote, “Whoever does not wish to render history incomprehensible by departmentalizing it – political, economic, social – would perhaps take the view that it is in essence a battle of dominant wills (elites), fighting in every way they can for the material which is common to everything they construct: the human labor force. (masses)” (parenthesis mine) In other words, the aristocratic elites (dominant wills) seek methods to control masses (human labor) production. labor.

With this perspective, I reviewed the economic field where I noted the classical economist were the first to identify the three factors of all production – labor, land, and capital. John Stuart Mill, for instance, wrote, “The Law of the Increase of Production Depends on those of Three Elements— LaborCapital, and Land.” When I combined these two concepts together, it became clear that in order for the elites to control the masses production, they must do so through controlling the three factors of production – labor, land, and capital. Invariably, this theory of control is confirmed by history.

The Financial Matrix, in other words, is not the first matrix of control. On the contrary it is the third one based upon the three factors of production. In reality, most of the readers (assuming you didn’t sleep through history class) already know about the other two matrices of control – the Physical Matrix (human slavery) and the Land Matrix (feudal serfdom). Paradoxically, although Western Civilization’s founders (the Greeks and Romans) wrote about liberty and justice extensively, they hypocritically exercised a Physical Matrix to enslave their defeated foes. The slaves were forced to do the manual work in society since the classical civilizations thought physical work only worthy of slaves. This allowed the ancients the leisure to speak, write, and lead while the slaved toiled away in the Physical Matrix. Indeed, the preferred method of control throughout the classical period was the Physical Matrix until Christianity permeated the Roman Empire.

Christianity changed the social norms of the late Roman society. Whereas slavery for conquered nations was acceptable previously, Christianity taught that all men were created equal before an almighty God and that fellow-believers were all brothers and sisters in Christ. Of course, enslaving one’s brother or sister became increasingly difficult to justify (unfortunately, the same cannot be said for infidels). Thus, the Physical Matrix collapsed under its own weight. Naturally, with the loss of the Physical Matrix, the aristocratic elites sought another control matrix to replace it. With labor no longer controllable, moving to the next factor of production (land) seemed like a reasonable course of action and the Land Matrix was born – feudal serfdom.

The elites simply moved the matrix of control from the Physical Matrix to the Land Matrix. Because they owned all the land, the aristocratic elites (princes, kings, and lords) forced the serfs to pay rent to the lord who owned the land. The serfs, not strong enough to resist the powerful lords and having no other options simply complied. By surrendering around half of their agricultural production plus agreeing to work the lord’s fields several days a week, the serfs were permitted to live on the lord’s land. Although, the people were no longer slaves, they were not much better off since they had no freedom of movement and were taxed over 50% of their productive capacity. Feudalism may have ended slavery (Physical Matrix) in most of Europe, but only to turn the people into serfs (Land Matrix).

During the late middle-ages, the reintroduction of gold and silver changed the economics of feudalism. The serfs no longer needed to live on the lord’s land in order to survive. Instead, serfs began moving to the growing cities where in the city air, the bakers, butchers, and candlestick makers could live free by selling their services for money. They, in turn, could then use their accumulated money to purchase other necessary items to survive. This development freed the serfs from the land and the subsequent economic losses caused the Land Matrix to collapse. Both the Physical and Land Matrix were now history, however, there was still one other factor of production left, namely, capital. Not surprisingly, for nearly four hundred years (from the early 1500’s through the early 1900’s) a battle raged between the elites and the masses to determine whether money would be set by the market (gold standard) or set by the controlling elites.

Sincerely,

Orrin WoodwardLIFE Leadership Chairman of the Board

Posted in Finances, Freedom/Liberty | 16 Comments »

The Financial Matrix and Personal Finances

Posted by Orrin Woodward on January 20, 2015

The Financial Matrix Debt System

High-paying longterm jobs are exiting North America at an alarming rate. Nonetheless, citizens of America and Canada seem unable (in some cases unwilling) to cut expenses. The latest numbers on American indebtedness (Canadian numbers are similarly dismal), both consumer debt and home mortgages, is staggering.

The latest GoBankingRates report found the average American is more than $225,000 in debt with little savings. The website identified (using the earnings, savings, and various loans) the “average American’s” (calling her ‘Mary Smith’) financial status.

GoBankingRates editor Jennifer Calonia stated that, “Mary is 37, the current median age of an American. She’s a non-Hispanic White, the largest demographic in the country, and she works in retail sales, the most common occupation in the United States”

Unfortunately, Mary’s pay and debt load is a train wreck in progress. Calonia noted, “Until we witness a much more dramatic return to permanent, long-term employment in the private sector, Mary Smith’s dire scenario, which leaves her drowning in debt and without adequate savings, will continue to play out, especially as more companies rely on temporary, low-wage work.”

According to the latest USA data, the real (inflation adjusted) median household income was $51,939 in 2013. However, one must remember that household income is the combined incomes from everyone working in the house. Basically, this means the average personal income is somewhere around $30k. Further, the total income has trended downward since 2007, falling 8% from the pre-recession peak of $56,436 and remains well below the 1999 record of $56,895.

In other words, household income, over the last 16 years, has actually gone down! Imagine working for 16 years straight only to receive less money than one did originally. To compound this pain, inflation has caused most other prices to skyrocket, leaving Americans bewildered and frustrated. This simply cannot continue indefinitely. Compare the average income of Americans with the average debt loads and a forthcoming financial disaster becomes apparent. 

Here is a summary of the average debt numbers.

  • Average credit card debt among indebted households: $15,263
  • Average credit card interest rate: 14.95% APR
  • Average mortgage debt: $147,591
  • Average outstanding student loan balance: $31,646
  • Average auto loan debt: $30,738
  • Only 59 percent of Americans have at least $500 in a savings account saved
Financial Fitness Pack

Financial Fitness Pack

LIFE Leadership has the Financial Fitness Program to help people across the world learn how to play defense and offense in order to break free from the increasingly oppressive  Financial Matrix. Few understand the difference between expenses and investments and, unfortunately, most people maximize expenses while minimizing investments. LIFE Leadership, in contrast, teaches how to build wealth for the longterm by slashing expenses and investing in your #1 asset – yourself. If you are looking for an escape path from the Financial Matrix, LIFE Leadership has is the fasttrack. I feel like Morpheus explaining to people trapped in the matrix the plan to set them free:

Morpheus: When the (Financial) Matrix was first built, there was a man born inside who (he purchased a Financial Fitness Pack :) ) had the ability to change whatever he wanted, to remake the (Financial) Matrix as he saw fit. It was he who freed the first of us, taught us the truth : ‘As long as the (Financial) Matrix exists, the human race will never be free.’ After he died, the Oracle prophesied his return, and that his coming would hail the destruction of the (Financial) Matrix, end the war, bring freedom to our people. That is why there are those of us who have spent our entire lives searching the (Financial) Matrix, looking for him. I did what I did because…I believe that search is over. – (LIFE Leadership is here.)

Isn’t it time you learned the Defense, Offense, and Playing Field of finances so you too can break free from the Financial Matrix?

Sincerely,

Orrin Woodward

Posted in Finances, LIFE Leadership | 20 Comments »

Life Leadership Reviews Financial Fitness Pack

Posted by Orrin Woodward on January 12, 2015

LIFE Leadership Reviews

The Financial Fitness Pack (FFP) is LIFE Leadership’s #1 selling product. There are several reasons for this.

First, it is a product that meets the citizens of the world where they are at. Financial debt is debilitating many people and without a plan to stop the bleeding, it will only get worse. In fact, the latest figures reveal that consumer debt (debt outside home mortgages) in America has reached the astounding figure of 3.2 trillion dollars according to Business Week. That’s $10,666 of debt for every man woman and child in the USA!

Second, people are waking up to the fact that the Financial Matrix is real. Debt is draining the productivity of all workers from ditch-diggers to doctors because modern society’s money supply is fueled by debt. Indeed, over 70% of the USA money supply is created by housing market mortgages. In other words, if every mortgage was paid off, 70% of the money supply would disappear, literally wiped out when house is owned outright. In the 1950’s the equity in houses in the USA was around 80%, now it’s less than 30%. This means that 50% of the value of all houses in the USA has been siphoned off in the last 60 years!

The Financial Matrix, in a word, is performing exactly as planned. The more people go into debt, the more money is created. Thus, the State and Big Bankers, using Keynesian logic, have wrongly concluded that debt is not only great for bank profits, but also the economy since it stimulates money production. Unfortunately, this economic canard (that more dollars leads to increased wealth) has a long life and only dies with society dies through the predictable boom/bust cycle. The State and Big Banks profit at society’s (the people’s) expense. 

Thankfully, however, reader is waking up to this reality. For just like Neo in the movie The Matrix, he is searching for the answers to why so many people are so far in debt:

Morpheus : I imagine that right now you’re feeling a bit like Alice… Tumbling down the rabbit hole? Hmm?

Neo : You….could say that.

Morpheus : I can see it in your eyes. You have the look of a man who accepts what he sees, because he is expecting to wake up. Ironically, this is not far from the truth…. Do you believe in fate, Neo?

Neo : No.

Morpheus : Why?

Neo : Because I don’t like the idea that I’m not in control of my own life.

Morpheus : I know… exactly what you mean. Let me tell you why you’re here. You’re here because you know something. What you know, you can’t explain. But you feel it. You’ve felt it your entire life. That there’s something wrong with the world. You don’t know what it is, but it’s there…like a splinter in you’re mind, driving you mad. It is this feeling that has brought you to me. Do you know what I’m talking about?

Neo : The Matrix?

Morpheus : Do you want to know…. what it is….? (Neo nods yes) The Matrix is everywhere. It’s all around us, even in this very room. You can see it when you look out your window or when you turn on your television. You can feel it when you go to work, when you go to work, when you pay your taxes. The Matrix is the world that has been pulled over your eyes, to blind you from the truth.

Neo : What truth?

Morpheus : 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 opens a container which holds two pills : a blue one, and a red one. He puts one in each hand, and holds them out to Neo.

Morpheus : This is your last chance. After this, there is no turning back…..You take the blue pill, the story ends. You wake up and believe…whatever you want to believe. You take the red pill…..you stay in wonderland…and I show you just how deep the rabbit hole goes.

Neo pauses for an instant, then reaches for the red pill. He swallows it down with a glass of water, and looks at Morpheus.

Morpheus : Remember…all I’m offering you is the truth : nothing more.

The Financial Fitness Pack

Life Leadership‘s Financial Fitness Pack (FFP) is the only product that covers the Defense, Offense, and Playing Field (explains the Financial Matrix) of finances. If the reader is sick and tired of throwing away thousands of dollars every month just to service existing debt, then perhaps its time to pick up the FFP and cut the ties of debt bondage. Laurie and I paid off our last mortgage payment in late 2003 and have lived free from the Financial Matrix (100% debt free) since that time.

What is the Financial Matrix?

I can answer no better than Morpheus answered (with just a few words added) it in the movie The Matrix:

The (Financial) Matrix is a system, Neo. That system is our enemy. But when you’re inside, you look around. What do you see? Business people, teachers, lawyers, carpenters. The very minds of the people we are trying to save. But until we do, these people are still a part of that system, and that makes them our enemy. You have to understand, most of these people are not ready to be unplugged. And many of them are so inert, so hopelessly dependent on the (debt) system, that they will fight to protect it.

Do not fight to protect the Financial Matrix, but rather fight to free yourself from it by learning the Defense, Offense, and Playing Field of financial management. What do you have to lose besides your debt? :)

Sincerely,

Orrin Woodward

Posted in Finances, Freedom/Liberty, LIFE Leadership | 38 Comments »

Warren Buffet: Advice to Students

Posted by Orrin Woodward on January 7, 2015

Warren Buffet

Warren Buffet

Warren Buffet is one of the wealthiest people in the world. He created his wealth through wise investment. Recently, I read an interview Warren Buffet did with CNBC. Not surprisingly, his advice is spot on for helping people get out of the Financial Matrix:

CNBC: “What is the one thing that young people should be doing about money?”
Buffett: “I tell them two things, generally. One is stay away from credit cards… The second thing I tell them is to invest in themselves.”

In a nutshell, his advice breaks out into two categories. 1) Live Debt-Free and 2) Invest in Yourself. This is exactly what LIFE Leadership teaches. First, learn the Defense of finances to get out of debt and then invest the savings to go on Offense in the number one asset you have, namely, yourself. YOU, in other words, are the greatest return on investment plan possible.

Unfortunately, although this is consistently followed by those who accumulate wealth and honors, most people do not follow Warren Buffet’s time-proven advice. This, in fact, is why the Founders of LIFE created the Financial Fitness Program – to help people hold themselves accountable to learn the defense, offense, and playing field (Financial Matrix) of finances. Indeed, associating with like-minded LIFE Leadership community members is vital to help a person wipe out debt (Defense) and use the increased cash flow to invest in further personal development (Offense). Great financial results, in sum, can only be accomplished by mastering both the Defense and Offense. 

In another interview, Business Insider asked Warren Buffet about the student loan bubble and he answered:

The best education you can get is investing in yourself. But this doesn’t always mean college or university. I have two degrees but I don’t have them on my wall, in fact I don’t even know where they are. I used to be afraid of public speaking, and I realized that I have to do that someday. I do have one diploma I display from Dale Carnegie’s Public Speaking Course and it only cost me $100.

Hmmm. It seems to me that Warren Buffet values a good return on investment and the two factors in the equation are the cost and quality of the education. In both categories, LIFE Leadership is at the front of the pack. High quality and low cost leads is what has made our Financial Fitness Program (under 100 dollars) the best selling product in our portfolio of leadership materials.

The Financial Matrix is real and a person can only set themselves free by learning the defense, offense, and playing field of finances.  Perhaps 2015 is the time to take Warren Buffet’s advice to set yourself free. :)

Sincerely,

Orrin Woodward

Posted in Finances, Freedom/Liberty, LIFE Leadership | 30 Comments »

Breaking Free of the Financial Matrix

Posted by Orrin Woodward on December 26, 2014

“Whoever does not wish to render history incomprehensible by departmentalizing it – political, economic, social – would perhaps take the view that it is in essence a battle of dominant wills, fighting in every way they can for the material which is common to everything they construct: the human labor force.” – Bertrand De Jouvenel

“In essence, land, labor, capital and entrepreneurship encompass all of the inputs needed to produce a good or service. Land represents all natural resources, such as timber and gold, used in the production of a good. Labor is all of the work that laborers and workers perform at all levels of an organization, except for the entrepreneur. The entrepreneur is the individual who takes an idea and attempts to make an economic profit from it by combining all other factors of production. The entrepreneur also takes on all of the risks and rewards of the business. The capital is all of the tools and machinery used to produce a good or service.” – Investopedia

And Justice For All

And Justice For All

These two quotes led to one of my biggest breakthroughs in understanding the current financial system. This led me to write in my Guinness World Record setting book And Justice For All (AJFA) on how the elites control the factors of production to control society’s wealth. Indeed, by reading the two quotes above and referring back to my chapter in AJFA on the factors of production and the Five Laws of Decline (FLD), one can clearly see how the elites have controlled the masses throughout history. Here is a segment I wrote on the factors of production in AJFA:

Although De Jouvenel didn’t use the terms FLD and SDS, but he certainly described the effects of both wonderfully. For if the FLD truly drives the elites to control the masses’ production, they must do so by exploiting the three inputs of all production (labor, land, and capital) as outlined by the “classical economists” like Smith, Ricardo, and Mill. One can confirm the validity of the FLD by realizing that the elites, in order to exploit the masses’ production, must exploit labor, land, or capital since these are the only three inputs for all production. As explained below, a person would be hard-pressed to find another example where theory matches reality any closer than the FLD theory matches the actions of the world’s exploiters.

The FLD exploitation by elites over the masses’ production originated with the elites controlling the masses’ labor (physical slavery) to control production. Indeed, for thousands of years, this was the preferred method of control. Over time, however, this method fell out of favor as Christianity permeated Roman society. As it became increasingly intolerable for Christians to enslave fellow Christians (regrettably, enslaving non-Christians was still tolerable), the exploiters switched to the second factor of production – land. Instead of physical slavery, the masses now endured land serfdom, as the elites owned and controlled the land. The elites’ direct ownership of the land gave them indirect ownership of the people. Fortunately for the people, however, as the free market system blossomed, they were no longer beholden to the land-owning aristocracy for survival, and were increasingly able to prosper through private enterprise and businesses of their own.

It is not hard to guess what the elites did next, given that there was only one input of production (capital) left to control. As predicted, when feudalism had run its course and private enterprise began to spread, the battle between State and society for the control of capital commenced. Although society at first successfully created a gold standard (which checked the State’s ability to control the monetary system), the elite statists eventually regained the upper hand. The State (always hungry for funds to increase its power) finally wrestled money away from the FLD-restraining gold standard and became capital’s sole creator, owner, and controller. They did this through the artifices of the central banking system’s centralized planning of the money supply. The elites, by directly controlling the monetary system, thereby indirectly control the masses’ production since nearly everyone uses capital (the third input of all production) in today’s money economies. The exploitation of capital by the elites confirms in practice what a study of the FLD and its interaction with the three factors of production predicted in theory.

The elites, throughout history have meddled with the factors of production to ensure control and plunder over the masses. In the modern world, slavery and serfdom are, for the most part, illegal; however, financial subjugation is alive and well. Today, the elites control the entrepreneur by controlling the capital he needs to perform his task. This, naturally, leads to indirect control of the masses who work for these “owned” entrepreneurs. More directly, however, today’s financial subjugation of the masses is accomplished by the elites enticing them into debt. Through offering them consumer goods on longterm credit plans, the masses sell themselves into bondage for the latest houses, cars, and technological gadgets.

In essence, a person is imprisoned within the Financial Matrix if, when he goes to bed at night, he wakes up the next morning owing more money than he did the night previous. Thankfully, it is possible to escape the Financial Matrix. In fact, one of my goals for 2015 is to improve LIFE Leadership‘s messaging on the Financial Fitness program to help people get free from the Financial Matrix enslaving them into the bondage of debt and stress.

I am not suggesting fighting the powers-that-be; instead, I am suggesting a grassroots movement of millions of people who take responsibility to clean up their own financial messes. Through this example of modeling and messaging, our politicians will learn the proper principles and we can create real change! Indeed, doesn’t it seem foolish to demand from our politicians behaviors we are unwilling to live in our own lives. This reminds me of a saying one of my early mentors told me, “Clean up your own bedroom before you attempt to clean up the world.”

Perhaps the best description of the modern monetary malady was written by financial reformer Michael Rowbotham in his impressive book The Grip of Death:

For example, every country in the world suffers from a massive and constantly increasing national debt. Britain has a national debt that is fast approaching £400 billion. Canada’s debt has reached $560 billion and Germany’s now exceeds 500 billion deutschmarks. So are these poor countries? No more so than Japan with a debt equivalent to two trillion dollars or America with a national debt now in excess of five trillion dollars. Since the poorer nations are crippled by their indebtedness to international lending institutions and foreign banks, the overall picture is of a world suffering acute and ever worsening insolvency.

But this is really quite illogical and absurd… The question almost asks itself. If all the nations of the world are in debt, who are they in debt to? Rationally, where there is a debtor, there should be someone else who is a creditor. If every nation is in debt, who, precisely, owes whom? In addition to the logical absurdity of all nations being simultaneously insolvent, such escalating national debts are a complete contradiction of the real and obvious wealth of these nations. This is underlined by the fact that the nations which run the largest national debts are those with the most advanced economies. What can we say to the developing nations struggling under the burden of their debt, nations who have copied our economic institutions and aspire to a life free from poverty? ‘Work hard, and one day your debt will be as small as America’s – a mere five trillion dollars!’

These are not the only contradictory financial statements to go virtually unchallenged by the majority of economists. In addition to mounting national debts, the level of private debt shouldered by people and businesses is also escalating. The total of loans, mortgages, overdrafts and credit card purchases is massive and in Britain stands at some £780 billion, £500 billion of which is borne by ordinary people. The Americans, supposedly the richest citizens ever to walk the face of the planet, are the most heavily indebted people of the world, carrying mortgage debts that currently total $4.2 trillion. They are said to go shopping with their credit cards bolstered. As with national debts, such escalating domestic debt is a complete contradiction of the wealth present in those nations.

2015 is the year to escape the Financial Matrix through learning the defense, offense, and playing field of finances. I plan on doing my part. Will you?

Sincerely,

Orrin Woodward

Posted in Finances | 21 Comments »