There has always been a very wide gap in how younger and older Americans handle their money. It isn’t just in day-to-day expenditures. Retirement accounts such as 401K are sometimes an afterthought for those who have been in the workforce for two decades or less while it’s at top of mind for those who are getting closer to retirement age. As a result, younger workers often keep their portfolios in markets that can offer greater returns at greater risks while older workers or those who have retired often accept lower returns at minimized risks.
Today, it seems like more and more younger Americans are abandoning risky markets and moving their retirement accounts and portfolios to safer harbors. This is good for the individual but can be bad for the overall economy as money that has always helped drive the stock market and other investment types is being pushed to investments like physical precious metals. One Wall Street analyst who declined to be identified told me she’s never seen so much “new money” leaving the markets in her four decades in the industry.
The precious metals market has always been considered ideal for older Americans with their investments and retirement. The returns are steady and the risks are generally considered to be lower than having money tied up in the markets. It behooves those who want to protect what they’ve accumulated to move some or all of their investments into gold and silver, but over the past few months we’ve seen the ranks of younger Americans joining their older fellow citizens in jumping to precious metals.
Jonathan Rose from Genesis Gold, a Christian precious metals company, joined me again today to discuss this phenomenon. Is it just that the Biden-Harris economy is so bad, fewer people are wanting to stay in riskier markets? There’s actually more to it than that. I asked Mr. Rose about inflation, how interest rates are affecting Americans’ wealth and retirement, and what we can expect in the months and years to come.
The red wave that should be coming on Election Day will almost certainly have limited effect on the economy itself. Republican majorities will be able to slow the bleeding, but unless they can miraculously win super-majorities in both chambers that would allow them to overturn presidential vetoes, they will not be able to pass significant economic bills that become low. This is just another reason precious metals are becoming more popular to those who want to ride out the storm.
Mr. Rose explained that one of the most popular moves he’s seen lately is for those who have 401K accounts from previous employers to roll over those accounts into a Self-Directed IRA. This works at any age; sometimes even those who are in their 30s or 40s had accumulated substantial 401K accounts from past jobs and they’re ready to move that money to protect it from the Biden-Harris regime’s fiscal carnage.
For people under the age of 55, which has traditionally been a turning point for portfolio investment changes, to be moving money now does not bode well for the stock market or correlated investments. Wall Street needs “new money” flowing in for the system to operate well during a robust economy. During a down economy with high inflation and risks of recession, this phenomenon could be a death knell. Add to that the food shortages and energy crises that appear to be on the horizon and it’s abundantly clear why even those who have their whole professional lives ahead of them are “taking a break” by moving their money into precious metals.
As I often mention on my shows, I’m not fatalistic about the economy. I’ve been keeping my finger on the pulse of what the powers-that-be in the globalist elite cabal have been planning for us financially, and while things may seem very dire today, I’m also seeing indications that their machinations are falling short. Americans are tightening up their budgets appropriately, and while personal debt is at an all-time high it seems that general frugality is on the rise as well. I may be wrong but I believe the economic turmoil the cabal planned and initiated has not yielded the degree of collapse that they’d hoped to see. Perhaps I’m just being optimistic, but I do not see a full-blown economic collapse as likely in the next two years. We will have hardships, which is why precious metals make so much sense, but that doesn’t mean everyone’s buying bunkers in Montana and filling them with food, ammunition, and as many silver coins as they can purchase.
In other words, we’re not freaking out yet as a nation and that’s a good thing. Unlike ringing the alarm bells about such problems as the border invasion, Chinese takeover of American lands, Pandemic Panic Theater, or LGBTQIA+ supremacy, our economic woes do not require constant badgering about how bad things can get. We have to fight the various plans of the cabal head-on, but the economy is a different beast. Sentiment drives reality with the economy, so fearmongering can often turn into a self-fulfilling prophecy.
Be cautious. Be smart. But don’t panic. That’s the beauty of precious metals. If an economic collapse is avoided, gold and silver are still smart money. If an economic collapse comes, gold and silver are the smartest money.
Contact Jonathan over at Genesis Gold today if you’d like to move your wealth or retirement to precious metals. It’s the only Christian-operated America-First precious metals company we’ve found.
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Two Storms, One Harvest
Every food crisis in living memory has been a one-shock event. The 2008 price spike was a commodity bubble. The 2020 shortages were a logistics failure. The 2022 grain scare was a war on one exporter’s ports. Each time, the system bent, adjusted, and recovered, and each time the experts assured us afterward that global markets are simply too big and too diversified to fail.
What nobody in Washington seems eager to discuss is that 2026 is shaping up to be something the modern food system has never actually faced. Two independent shocks, one climatic and one geopolitical, are converging on the same harvest cycle at the same time. Not sequentially. Simultaneously.
Start with the weather. The Pacific Ocean is currently building toward what forecasters now openly call a record event. NOAA’s Climate Prediction Center puts the odds of at least a strong El Niño near 88 percent, with roughly two in three odds it reaches “very strong” status, the tier reserved for perhaps three or four events in the entire satellite era. Every major global model now projects a median peak in Super El Niño territory, and most of them project it exceeding the 2015-16 event, which until now held the modern record. Sea surface anomalies were already brushing the super threshold in mid-July, months before these events normally peak. The atmosphere has already shifted into El Niño mode, and the event is forecast to crest in late fall and early winter.
This is not about “climate change.” It’s about the standard cycles of weather, and the cycle we’re currently in is one that has likely devastated societies in the past. We’re better prepared as a society today, but not all Americans are equally prepared.
Serious households have started doing the quiet math on their own. Grocery bills tell part of the story, and the forecast maps tell the rest, which is why long-term food storage has moved from fringe hobby to mainstream line item in the family budget, with established suppliers like Heaven’s Harvest seeing demand from people who five years ago would have rolled their eyes at the idea. That instinct is not paranoia. It is pattern recognition, and the pattern is worth walking through carefully.
Editor’s Note: Heaven’s Harvest IS a sponsor, but the warnings of this article are real and would be written even if we didn’t have a survival food sponsor. With that said, those who take advantage of what they offer can use promo code “Patriot” for 15% off.
The Fertilizer Clock Is Already Running
While the Pacific warms, the second shock has been unfolding in the Strait of Hormuz. The conflict with Iran turned the world’s most important energy chokepoint into a contested waterway, and the consequences reach far beyond the gas pump. Roughly a third of global fertilizer trade moves through Hormuz, and the disruption sent urea prices up 86 percent year over year by March, with a 53 percent jump in a single month.
The World Bank projects energy prices rising about 24 percent in 2026 and fertilizer about 31 percent. By its own accounting, fertilizer prices ran 35 percent higher in the first five months of this year than the same period last year.
Here is the mechanism the nightly news will not explain. Fertilizer is not a grocery item. It is a time-delayed input. The nitrogen a farmer in Iowa or Punjab could not afford to apply this spring does not show up as a problem this spring. It shows up as a thinner harvest six to twelve months later.
The World Bank’s own food security brief concedes that the effects of reduced applications earlier this season “are likely to become visible only later in harvest outcomes.” Translate that from institutional language into plain English and it means this. The damage is already done, it is already in the ground, and we are simply waiting for it to arrive on the shelf.
Now check the calendar. Six to twelve months from the spring planting season lands us squarely in late 2026 and early 2027. Which is precisely when the strongest El Niño in the instrumental record is forecast to peak, bringing its signature droughts to Southeast Asia, Australia, southern Africa, northern Brazil, and South Asia, the very regions that grow the world’s rice, sugar, and oilseeds.
The World Bank warns openly that a strong El Niño “could disrupt multiple crop belts simultaneously” on top of the conflict-driven input costs. Their baseline projection assumes the Middle East disruptions ease by autumn. What in the last two years of Middle East history suggests that assumption is safe?
The System Has No Slack Left
The comfortable answer is that global markets always adjust. But adjustment requires slack, and the slack is gone. Global cereal production is expected to decline from last year’s records even before El Niño does its work. The UN World Food Programme, hardly a den of right-wing preppers, is calling this the most significant disruption to its supply chains since Covid and the invasion of Ukraine, and its supply chain director put the stakes bluntly.
Today’s supply chain challenges are tomorrow’s hunger crisis.
There is also a political dimension that markets cannot price. When food gets scarce, governments do not behave like economists. They behave like politicians. Export bans, hoarding mandates, and panic buying at the national level turned the modest rice shortfall of 2008 into a global crisis, and analysts are already warning that import-dependent nations are the first dominoes.
The 2015-16 Super El Niño, a far weaker event than what is now forecast, threw tens of millions into food stress across Africa and Asia. This one is projected to be stronger, and it arrives with fertilizer already rationed by price and shipping lanes already contested by missiles.
What Joseph Knew
Scripture does not treat preparation for lean years as faithlessness. It treats it as wisdom delivered in advance to those willing to act on it.
Behold, there come seven years of great plenty throughout all the land of Egypt: And there shall arise after them seven years of famine; and all the plenty shall be forgotten in the land of Egypt.
Joseph did not respond to that warning with a hashtag or a committee. He stored grain during the years of abundance, and when the famine came, Egypt stood while its neighbors begged. The lesson is not that famine is certain. It is that the time to prepare is precisely when preparation still looks optional.
Nobody who filled a pantry in a year of plenty has ever regretted it, and nobody standing in an empty aisle has ever been glad he waited for certainty.
None of this calls for panic, and panic is the enemy of sound judgment anyway. It calls for the same unglamorous prudence our grandparents considered ordinary. Keep some cash margin, know your local growers, and put real food in deep storage while it is cheap and available, because the entire arc of this story is that cheap and available is a closing window.
Families looking for a straightforward place to start can visit Heaven’s Harvest and use promo code Patriot for 15 percent off long-term storable food. The forecasts may yet soften, the strait may yet reopen, and we should pray they do. But hope is a fine thing to hold and a foolish thing to eat.
