The Charlie Kirk Show - March 17, 2023


Noble Gold and Ignoble Banks with Collin Plume


Episode Stats

Length

35 minutes

Words per Minute

202.2666

Word Count

7,258

Sentence Count

609


Summary

Summaries generated with gmurro/bart-large-finetuned-filtered-spotify-podcast-summ .

Transcript

Transcripts from "The Charlie Kirk Show" are sourced from the Knowledge Fight Interactive Search Tool. Explore them interactively here.
00:00:00.000 Hey, everybody, an amazing hour.
00:00:01.000 We talk about inflation.
00:00:02.000 We talk about gold.
00:00:03.000 We talk about the fiat system.
00:00:06.000 Colin Plume from the wonderful company Noble Gold.
00:00:09.000 That is noblegoldinvestments.com.
00:00:11.000 You guys should check it out.
00:00:12.000 They treat you the right way.
00:00:13.000 They're ethical.
00:00:14.000 They have integrity.
00:00:15.000 They have honesty.
00:00:17.000 It's noblegoldinvestments.com.
00:00:17.000 They're terrific.
00:00:19.000 Noblegoldinvestments.com.
00:00:21.000 Check them out.
00:00:22.000 Full hour with Colin Plume.
00:00:24.000 You're going to learn a lot about economics, finance, what's happening in the country.
00:00:27.000 I think you're going to enjoy it.
00:00:28.000 Get involved with Turning Point USA and buckle up, everybody.
00:00:31.000 Here, we go.
00:00:32.000 Charlie, what you've done is incredible here.
00:00:34.000 Maybe Charlie Kirk is on the college campus.
00:00:36.000 I want you to know we are lucky to have Charlie Kirk.
00:00:39.000 Charlie Kirk's running the White House, folks.
00:00:43.000 I want to thank Charlie.
00:00:44.000 He's an incredible guy.
00:00:45.000 His spirit, his love of this country.
00:00:47.000 He's done an amazing job building one of the most powerful youth organizations ever created.
00:00:52.000 Turning point USA.
00:00:53.000 We will not embrace the ideas that have destroyed countries, destroyed lives, and we are going to fight for freedom on campuses across the country.
00:01:02.000 That's why we are here.
00:01:05.000 Brought to you by the Loan Experts I Trust, Andrew and Todd at Sierra Pacific Mortgage at andrewandTodd.com.
00:01:14.000 This is a perfectly timed hour.
00:01:16.000 I was joking around that we had this planned ahead of time.
00:01:20.000 Yeah, we did.
00:01:21.000 And but we did not have the bank collapse planned that we did not know about.
00:01:25.000 And we have an amazing partner from Noble Gold.
00:01:28.000 And I just can't say enough good stuff about them.
00:01:30.000 And we got some free products here.
00:01:32.000 Yeah, which is great.
00:01:33.000 Remind me of the website, noblegoldinvestments.com.
00:01:36.000 And yeah, gold and silver.
00:01:38.000 Obviously, this week it's been a fantastic week to talk about it.
00:01:42.000 Even the mainstream news is talking about how people are just fleeing the banks.
00:01:46.000 To actually be able to hold your money.
00:01:47.000 So Colin Plume from Noble Gold, just tell us about your company, what you're doing.
00:01:52.000 And I just want to encourage our audience, like I never tell you what to do with your money, but I can tell you what I'm doing with mine.
00:01:57.000 I'm buying stuff I can touch.
00:01:58.000 Yeah, well, and especially this week, I think that we've seen, you know, over the years when people would wire us money out of a bank, sometimes the banks would try to discourage them.
00:02:08.000 They would tell the client as they walked in, they would tell, you know, are you sure?
00:02:13.000 Yeah.
00:02:14.000 Do you really want to do this?
00:02:16.000 But I've had a lot of funny calls from clients where they said this is the first week that they bought gold from us that even the bank that they went to didn't discourage them to sending us money.
00:02:26.000 And they know who we are.
00:02:27.000 The banks obviously know who we are.
00:02:28.000 Of course.
00:02:29.000 So it's been, we've had a massive influx of people that just want to get out of the banks.
00:02:35.000 Even people that aren't with, you know, SVB or Stupid Valley Bank or whatever you want to call it, even people that aren't with that bank.
00:02:42.000 Or Credit Suisse, man.
00:02:43.000 I'll cover it with Credit Suisse, obviously.
00:02:45.000 Yeah, that's, I mean, Credit Suisse is, you know, almost two times the size of, or two and a half size the size of Silicon Valley Bank.
00:02:56.000 Yeah, it's 1.5 trillion in assets.
00:02:58.000 Yeah.
00:02:58.000 So that would be a massive collapse.
00:03:01.000 I mean, that would change things pretty dramatically in the system.
00:03:04.000 But overall, the banking crisis has been something that I've talked about for a long time.
00:03:09.000 And, you know, it comes down to banks today.
00:03:09.000 Yeah, you have.
00:03:12.000 They obviously need to make a return.
00:03:15.000 And a lot of the banks today are struggling to find a decent return, especially ones that bought treasuries a year ago.
00:03:21.000 But this collapse, I think, made no sense in that when they bought those treasuries a year ago, it didn't make any sense that they didn't take the lick back last year, sell some of it.
00:03:31.000 Why would they sell 60% of what they had today?
00:03:34.000 It really, it was the perfect storm for that bank.
00:03:36.000 And there's six or seven other banks that are in a similar position.
00:03:41.000 And we'll see what happens over the next few weeks.
00:03:43.000 Yeah.
00:03:43.000 And this all kind of comes down to some really basic questions that we don't talk enough about, which is what is money?
00:03:49.000 What does it represent?
00:03:51.000 And what system do you have to create money?
00:03:55.000 And is your money actually tied to value?
00:03:58.000 Right.
00:03:58.000 And so money going back thousands of years ago was a creation because the barter system really doesn't work very well.
00:04:04.000 Right.
00:04:05.000 Because if you have chickens and you want to have eggs, well, they could perish and they could spoil.
00:04:05.000 Right.
00:04:08.000 But if I don't want chickens and you don't want eggs, so you need money, right?
00:04:10.000 Money is important.
00:04:10.000 Yeah.
00:04:11.000 Yeah.
00:04:12.000 But history shows us something almost mystical about gold, almost.
00:04:18.000 And I'm not just saying this, where it has been an agreed upon holder of value in every civilization, every type of country.
00:04:28.000 Why is that?
00:04:29.000 Why is that gold has had this stability regardless of different currency systems?
00:04:34.000 Well, to go over your first analogy is when you're trading and barter, you want an item that during the transaction is going to hold its value over that transaction.
00:04:42.000 So gold is the perfect item to hold its value over their transaction because as you can see over there, it's not going anywhere.
00:04:51.000 It's not perishable.
00:04:52.000 It's fungible.
00:04:53.000 And also you can hold a tremendous amount of value in a small.
00:04:58.000 Yeah.
00:04:59.000 So that's what would this be right now?
00:05:00.000 That's like 10 grand in gold right there.
00:05:02.000 There you go.
00:05:03.000 So, I mean, so you can hold a lot of it in a small way.
00:05:06.000 It's liquid.
00:05:07.000 And so people all over the world have, as you mentioned, been fascinated with gold.
00:05:12.000 India, I mean, there's all these countries.
00:05:14.000 The Mesopotamian River civilizations, the Egyptians.
00:05:17.000 They've all had it and they've all used it.
00:05:19.000 They independently found gold as a way to store value.
00:05:22.000 Correct.
00:05:22.000 Yeah.
00:05:23.000 And it's a great bartering instrument.
00:05:24.000 And also, you know, when you look at our fiat system, the way it's set up is it's just, we're always playing a guessing game of when is a bank going to fail?
00:05:34.000 When is our dollar going to continue?
00:05:35.000 And, you know, inflation's been 8%, 10%, I've been saying for many years.
00:05:40.000 Now it's reported at 7% to 9%.
00:05:42.000 So it's way higher than that.
00:05:44.000 Absolutely much higher than that.
00:05:45.000 So I think now people are saying like, I got to have some gold.
00:05:49.000 I got to have some silver as just a hedge and be diversified because so many people, I mean, we saw these people over 250,000 running to the banks afraid and they just didn't feel comfortable.
00:06:01.000 And listen, Biden said he, you know, there's nothing to worry about, but, you know, this is one big bank.
00:06:07.000 If two or three other banks of this size or close to this size go under, do we have enough to cover?
00:06:15.000 I mean, no.
00:06:16.000 And I want to focus on the fiat part.
00:06:19.000 But first, I want to do this throughout the hour.
00:06:21.000 Website, talk about the company.
00:06:23.000 Noble Gold Investments.
00:06:24.000 Yeah.
00:06:25.000 Noble Gold Investments, we've been in business only for seven years, but I've been in the space for almost 14 years selling precious metals.
00:06:32.000 And because of partners like you and other partners we've had, we've actually, in the last three years, become the number one gold IRA company in the country.
00:06:39.000 It's amazing.
00:06:40.000 And we've sold over $1.3 billion in gold and silver in just the last three years.
00:06:45.000 Praise God.
00:06:46.000 Well, I got to tell you, Colin, and the reputation of people in the gold business is bad.
00:06:51.000 You know that.
00:06:52.000 You guys are great.
00:06:53.000 Ethical, honest, thank you.
00:06:55.000 Transparent.
00:06:55.000 So I could say that because we've sent a lot of people your way and it's an overwhelming report because a lot of people say, oh, come on, gold guys.
00:07:02.000 And that is kind of the reputation, right?
00:07:04.000 There's a lot of shenanigans.
00:07:05.000 That's not this.
00:07:06.000 Noblegoldinvestments.com.
00:07:07.000 And look, I say this, again, I'm not a financial wizard.
00:07:11.000 The people that are financial wizards are actually idiots like Jim Kramer.
00:07:14.000 But isn't it rational that when you have more dollar bills than you know what to do with, you kind of go back to the roots of value, which is gold.
00:07:21.000 You could touch it.
00:07:22.000 You could store it, transport it.
00:07:24.000 It's a reasonable hedge.
00:07:25.000 Yeah.
00:07:25.000 And we were talking about, you know, you want to buy things that have a limited supply and gold, the amount of gold that's mined, you know, 1%, a little less, a little more.
00:07:35.000 But that's pretty much it per year.
00:07:36.000 So it can't expand as much as money and it can't expand as much as other items.
00:07:42.000 And it's, you know, a metal that everybody wants.
00:07:45.000 And last year, you talked about this a lot.
00:07:48.000 Last year was the biggest central bank buying of gold than we've seen in almost 20 years.
00:07:52.000 They even know that.
00:07:53.000 They even know to get their money out of the banks.
00:07:57.000 So I want to explore this idea of the fiat currency system.
00:08:00.000 And again, if anyone wants to read, there's a fascinating book called The Creature from Jekyll Island, if you really want to get into kind of the, I don't want to say a conspiracy, none dare call it a conspiracy, but it's well written about meetings that happened right near Sea Island, Georgia in a place called Jekyll Island, where basically the Federal Reserve System, as we know it, was created.
00:08:17.000 It was launched.
00:08:19.000 And so, but when America was founded, we were on a metallic-based system.
00:08:24.000 Correct.
00:08:25.000 And in the 1700s, 1800s, and then something changed.
00:08:29.000 Yeah.
00:08:29.000 Right.
00:08:30.000 Industrial Revolution.
00:08:32.000 Why did we decide to go away from basing our currency on gold?
00:08:36.000 We wanted to spend more than we had in reserves.
00:08:38.000 I mean, it's really just a fundamental it.
00:08:40.000 And, you know, during the Great Depression, we wanted to expand the money supply.
00:08:44.000 And so they recalled the gold standard.
00:08:47.000 And we've been on a runway of hyperinflation ever since.
00:08:51.000 Yeah, let's talk about that.
00:08:52.000 FDR confiscated gold to be able to expand M1 at the time.
00:08:57.000 Yeah.
00:08:57.000 And it was a bad deal for anybody that turned in their gold because basically he said we're confiscating the gold.
00:09:03.000 The gold price was in the low 20s.
00:09:05.000 And then as soon as it was completed, you know, within a year or two after that, the price jumped.
00:09:09.000 They set the price in the 30s.
00:09:11.000 So everybody that sold, they sold it early, got like a 30 or 40% clip on what eventually they set the price of gold being, which was in the low 30s and in the early 1930s.
00:09:22.000 Crooks.
00:09:22.000 I mean, and a lot of people took a haircut in that way.
00:09:26.000 And I'll add to that, the kind of regime that we live under, which is living above our means, very generous social welfare programs.
00:09:35.000 I think reckless foreign wars.
00:09:37.000 You can't do that if you have a monetary system rooted in reality.
00:09:42.000 So you have to have a monetary system rooted in fiction.
00:09:44.000 Correct.
00:09:45.000 And a fiction can work if everybody believes it.
00:09:48.000 The problem is what happens when 250,000 people say, I want my money back.
00:09:52.000 And they're like, well, the money's not there.
00:09:54.000 And it's an imagination.
00:09:56.000 Yeah.
00:09:56.000 And the joke, the joke is, is like, when you talk to people, is they're telling people not to go to the bank.
00:10:03.000 Well, who wouldn't want to go to the bank if they know that their deposits potentially are in trouble?
00:10:08.000 I mean, they were lining up when I saw them in front of SVB.
00:10:11.000 I mean, there was people they said from Australia.
00:10:13.000 I mean, people were getting on planes to know that they're, to make sure that their money was secure.
00:10:18.000 And, you know, that also goes to the fact that this $250,000 limit, this FDIC insured limit, it's too small, right?
00:10:26.000 It's not enough.
00:10:27.000 I mean, if they really want to protect people's money, it should be much higher than $10 or $15 million or whatever.
00:10:31.000 It should be a much higher amount than where it is.
00:10:34.000 Because when you look at these banks, I mean, for them to stay in business, they have to get out there and make a return.
00:10:40.000 Yes.
00:10:40.000 They have to.
00:10:42.000 They don't charge anything on the money.
00:10:43.000 They don't charge most fees anymore.
00:10:45.000 So how do they make a return?
00:10:47.000 They launch it out.
00:10:47.000 They loan it out.
00:10:48.000 Exactly.
00:10:49.000 They loan it out or they put it in the markets.
00:10:50.000 And obviously.
00:10:51.000 Well, there's a lot of issues.
00:10:53.000 You're right.
00:10:54.000 And when you have more dollar bills than you have good ideas, then you get malinvestment.
00:10:58.000 And so these banks are like, well, we have, so then they buy treasury bills.
00:11:01.000 Right.
00:11:01.000 And that doesn't always end well, especially when rates go upside down.
00:11:05.000 Yeah.
00:11:05.000 Noblegoldinvestments.com.
00:11:07.000 There's a lot of weirdos in the gold business.
00:11:09.000 I know that.
00:11:10.000 I get your emails about it.
00:11:11.000 These are the good guys.
00:11:12.000 They're ethical.
00:11:12.000 They're full of integrity.
00:11:13.000 Call them up.
00:11:14.000 Tell them Charlie sent you.
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00:11:55.000 Colin, there's several topics here, but I do want to talk about the Silicon Valley Bank thing because I think it is an example of some of the deeper economic fissures that we're going to experience, living above the means.
00:12:07.000 But the federal government comes in and they insure deposits up to any amount, basically eradicating the FDIC minimum.
00:12:13.000 That sets a precedent where basically, again, I'm somewhat conflicted because they almost had to do that.
00:12:19.000 I'm not to preserve the fractional banking reserve system.
00:12:23.000 But if there's not going to be a cost for bad decisions or they're not going to follow the $250,000 guideline, then there is no limit.
00:12:31.000 How much more can we take of the federal government just coming in and pumping in artificial money into the economy?
00:12:37.000 We're on really fragile footing.
00:12:38.000 Yeah, yeah.
00:12:39.000 And they only, before they went and did this, which was unprecedented, there's only $120 or $130 billion set aside for this kind of bailout.
00:12:48.000 So anything like Credit Suisse or any of these other banks going would well exceed that number.
00:12:54.000 So I think they did something that's unprecedented.
00:12:57.000 And then if other banks, even smaller banks go out of business, are they obligated to come in and protect?
00:13:03.000 That's the question I don't really understand and how they could do this.
00:13:08.000 And the thing is, yes, I guess you could say they had to do it.
00:13:11.000 But my argument would be that if this bank was really strong, like everybody said, it was actually a very strong bank.
00:13:18.000 They just had a few errors.
00:13:19.000 It should have been cleared up within the next few days.
00:13:23.000 I think they just basically sent a message.
00:13:25.000 They didn't want banks all across the country to have these bank runs.
00:13:29.000 So I guess as an administration, you decide to do that.
00:13:32.000 But to say that there's no cost is misleading because basically we're using money that we could put into somewhere else to bail out an asset or a bank that is not doing well.
00:13:44.000 So we're buying assets that are depreciating.
00:13:47.000 So there is always a cost when you do any of these bailouts.
00:13:50.000 Any of the bailouts, they always have a cost.
00:13:53.000 And I think we all pay for it as taxpayers.
00:13:56.000 Carl Icon, one of the richest men alive, has some pretty sharp words about our economic health, and it's not good.
00:14:03.000 He's giving a pretty negative prognosis.
00:14:07.000 Let's play Cut 66, please.
00:14:09.000 That system is breaking down.
00:14:11.000 And that we absolutely have a major problem in our economy today.
00:14:17.000 And I'm not going to bind on whether or not you bail out a bank or something like that.
00:14:23.000 I do say he's right in the sense that our economy is breaking down.
00:14:29.000 Colin, we're seeing so many of the things you've been warning about for years, right?
00:14:34.000 I mean, three years ago was the beginning of the virus and the lockdowns, then creating $6 trillion of additional money.
00:14:40.000 And you at Noble Gold were like, hey, guys, this is not going to end well.
00:14:43.000 Inflation and all that.
00:14:44.000 People were rolling their eyes.
00:14:45.000 But now we are seeing the legitimate collapse of the entire economic order.
00:14:49.000 Right.
00:14:50.000 Yeah.
00:14:51.000 And we have, you know, you have the Inflation Reduction Act, which did nothing to reduce inflation.
00:14:55.000 I mean, that's the idea.
00:14:57.000 It's a spending bill.
00:14:58.000 It increases tax.
00:14:59.000 I mean, the main things that it does is it increases taxes.
00:15:03.000 It spends money on green energy.
00:15:06.000 It's basically a big loan for green energy.
00:15:09.000 And then it reports that it's going to bring down the cost of medical in some way, which anyone that owns a business knows that that hasn't happened.
00:15:18.000 I mean, from the big healthcare bill all the way to today, I can tell you as a business owner, our health insurance has gone up anywhere from 10 to 20% every year as a company.
00:15:28.000 It's never gone down.
00:15:29.000 It's never even been single digits.
00:15:32.000 So you're adding more money into the economy by spending more with this Inflation Reduction Act.
00:15:38.000 You're trying to thwart inflation.
00:15:41.000 But the way that you're going to thwart inflation is to enable business owners.
00:15:45.000 That's how you're able to do it.
00:15:46.000 That's right.
00:15:46.000 Business owners, they want to find solutions.
00:15:49.000 So by pumping money with this Inflation Reduction Act into green energy, like Obama did this too, he did it when he was in office too, by pumping this money into the economy and giving free loans to all these corporations with really no repercussions, it does set a bad precedent.
00:16:06.000 And it's not a good time, as you mentioned, with war and everything that's going on, it's not a good time to be pumping more money.
00:16:13.000 And, you know, and the interesting thing of all this is that gold has been relatively stagnant until the last probably 60 days.
00:16:20.000 It's really started to move up.
00:16:22.000 And obviously, when you see people, you know, running the banks like this, they're thinking to themselves, where am I going to move this money?
00:16:29.000 Do I want to move it to another bank?
00:16:31.000 A lot of the people move money into mutual fund accounts.
00:16:35.000 A lot of people move money to a bigger bank like Bank of America.
00:16:37.000 I think they said Bank of America had like $15 billion in deposits.
00:16:41.000 But a lot of people said, I don't even want to go to another bank.
00:16:44.000 So what are my options?
00:16:45.000 So now people are really searching at different options and being diversified.
00:16:50.000 And I've said for a long time, nobody should have more than $250,000 in any bank because of exactly the situation.
00:16:57.000 That's right.
00:16:58.000 If six months ago, if somebody would have went to Noble Gold Investments and put money there, they would have made at least 14 to 15% of their money.
00:17:05.000 The price of gold is up 14% in six months.
00:17:08.000 You can't say that about most stocks right now.
00:17:10.000 Yeah.
00:17:11.000 And so this is, again, the laws of economics don't go away just because you wish them to go away.
00:17:16.000 Yeah.
00:17:16.000 And you begin to pump all this money into the economy, you get real bad stuff.
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00:18:24.000 A lot of economic insecurity here.
00:18:26.000 Silicon Valley Bank collapsing.
00:18:29.000 I'm sure.
00:18:29.000 So just walk us through what's your last week and a half been.
00:18:32.000 It's been a very busy week.
00:18:36.000 We basically went to a seven-day work week at Noble Gold.
00:18:39.000 We were always on a six-day, but we usually work a half day on Saturday.
00:18:44.000 But we've been going through seven days a week.
00:18:46.000 And just because people have been running the banks to send us wires and we just wanted to give them comfort kind of every week that we're around.
00:18:53.000 We don't want them to think we're running the same thing that's going on at the bank.
00:18:57.000 So we've been quite busy and the market's seen obviously a pretty big uptick.
00:19:03.000 And before that, even 30 days before, we were seeing a huge push into platinum.
00:19:07.000 A lot of people were buying platinum from us because platinum is pretty undervalued.
00:19:11.000 I know we don't have that much time to get into it, but platinum is a metal that a lot of people have been talking about.
00:19:16.000 So we've seen this platinum push and then obviously gold and silver over the weekend and this week has just been, there's been a flurry.
00:19:24.000 In both silver and gold, have you seen it?
00:19:26.000 Both silver and gold has been, yeah, we've seen a pretty dramatic price has obviously shot up.
00:19:32.000 But, you know, we've, we're prepared for this in terms of stockpiling.
00:19:37.000 Even during COVID, we never ran out of silver like many of the other dealers are out there because we went ahead and I actually bought basically every thousand-ounce silver bar in the whole market and uh sort of mortgaged my house.
00:19:50.000 And then you didn't the hunt thing where you bought every I literally bought every thousand ounce bar that I could get my hands on uh in like two days, like right before the shutdown.
00:19:58.000 I mean, that must have been millions and millions of dollars.
00:20:00.000 It was a tremendous, I even had to borrow for some friends because I was so ahead of it.
00:20:05.000 Um, so we never stopped incredible, Jeremy.
00:20:07.000 That takes hutzbook.
00:20:09.000 It was, it was, it was a little scary, actually.
00:20:12.000 So, so you saw you predicted a silver surge.
00:20:16.000 You just you saw the silver mines closing.
00:20:18.000 Um, wow.
00:20:19.000 And and and then what happened, and I remember when it happened in 2008, when the last uh crisis happened, and and it was sort of happening with COVID, was that that the dollar temporarily got strong.
00:20:29.000 So, actually, gold and silver prices actually dropped.
00:20:31.000 So, silver dropped all the way down to about $13.80.
00:20:34.000 This is an 08, you know, 708.
00:20:36.000 No, no, this happened in 2020.
00:20:38.000 Got it.
00:20:39.000 In 2008, a similar thing happened.
00:20:41.000 Uh, gold and silver both pulled back for about a month and a half, and then we saw them uh uh go ahead with quantitative easing phase one in 2009, then it inverts and then it inverts.
00:20:51.000 Um, which I think a lot of people believe this new way that I was going to say, this new way that they've been able to fund the banks is sort of maybe a way that they're doing some new quantitative easing.
00:21:00.000 I know there's some talk about this creates some liquidity in the markets.
00:21:04.000 Um, and so, anyway, so then in 2020, I bought all the silver bars that I could, literally anything I'd get my hands on.
00:21:11.000 And then silver went from $13.90 all the way up to $29 in nine months.
00:21:16.000 And pretty much, I would say 70% of the people that bought at the beginning sold and made a fortune.
00:21:23.000 Wow.
00:21:23.000 And good for them.
00:21:25.000 And then some people kind of held on and or maybe sold a little bit, but it was a massive run.
00:21:30.000 So I, you know, I don't think we're seeing that yet in the markets.
00:21:33.000 If we see one more big bank go down, though, gold and silver will be very difficult to get, I predict.
00:21:39.000 Yeah.
00:21:39.000 So, I mean, that's a good reason to go get it.
00:21:40.000 But it's just you as a business owner that, you know, to go all in and yeah, yeah.
00:21:45.000 I just, I just saw that because once most of the silver in this country that we use that creates bars and coins, most of it comes out of Mexico.
00:21:53.000 And they, for almost nine months, they had a very difficult time.
00:21:56.000 Because of COVID, because of COVID.
00:21:57.000 Labor and all sorts of things couldn't get people.
00:21:59.000 Yeah.
00:21:59.000 So I just knew that everyone was going to have a shortage.
00:22:02.000 And then obviously, like, people were fearful of what's going on in the economy and sort of things.
00:22:06.000 But then you were able to tell your customers, like, hey, your clients, you know, we have what you need.
00:22:11.000 We were able to lock in pricing.
00:22:13.000 We were the only dealer, one of the only dealers in the country that were able to lock in pricing for the whole time.
00:22:17.000 We never stopped.
00:22:18.000 So people were able to buy it early and really capitalize.
00:22:21.000 And so we'll see what happens now with what's happening.
00:22:24.000 Yeah, it's interesting.
00:22:24.000 I remember a good friend of mine telling me decades ago, they said, the gold people will always end up being right.
00:22:30.000 And I said, what do you mean by that?
00:22:30.000 They said, it's, you know, look, there's volatility in the market, things go up and speculative.
00:22:35.000 He said, but if you have something that is useful and limited, it will end up getting more and more valuable.
00:22:42.000 Yeah.
00:22:42.000 Right.
00:22:42.000 Yeah.
00:22:43.000 Like real estate.
00:22:44.000 Exactly.
00:22:44.000 Valuable real estate.
00:22:45.000 There's only so much of it.
00:22:47.000 Yes.
00:22:47.000 And yes, you're going to have fluctuations.
00:22:50.000 And obviously, we've seen like with states like California that you can create taxes that make it onerous and people will move, even though it's very desirable real estate, right?
00:23:00.000 But in the long run, if you're in a state that makes sense and there's real estate that people want, it's the same dynamic.
00:23:07.000 People are going to eventually, it'll eventually go up in value.
00:23:11.000 So I want to talk about just the general economy.
00:23:13.000 And we're seeing here, JP Morgan, Jamie Dimon, says the Green Transition Inflation Reduction Act have actually increased inflation.
00:23:20.000 And the bigger trends are inflationary as the money supply continues to increase.
00:23:26.000 Our leaders, not to be look, I don't want to be too dystopian or doom and gloom, but our leaders really have only a couple options at their disposal right now, which is you could take the cough syrup and you're going to hate the way it tastes, but you actually might be able to save the American economy, raise rates and cut spending and go through a little tough patch.
00:23:45.000 They seem totally uninterested in that and said they are only going to continue to try to inflate their way out of an inflation problem.
00:23:52.000 That's a really bad idea.
00:23:54.000 Yeah.
00:23:54.000 And next week will be, I think, the most interesting Fed meeting that we've had.
00:23:59.000 It's going to be like people are going to have Fed watching parties.
00:24:01.000 No, I think, I mean, since a year ago, when they decided to really raise rates and they've sort of been consistent, but now I think they know that if they go too aggressive next week, it could spur more banks going out of business.
00:24:14.000 You mean rates too high?
00:24:16.000 Too high.
00:24:16.000 Yeah.
00:24:16.000 So you think rates might go down next week?
00:24:18.000 Well, I heard this from other people.
00:24:20.000 I don't know if they go down, but I don't know if they're going to increase them.
00:24:23.000 And even if they don't increase, I think it would show some positivity to the market.
00:24:29.000 Yeah, but it's all, it's bad positive.
00:24:31.000 It's not good positivity.
00:24:33.000 I'm a guy that actually wants to see bad ideas be held accountable.
00:24:39.000 And I actually think a recession is not good for people.
00:24:44.000 But if you overextend yourself, there's a cost to everything.
00:24:47.000 Yeah.
00:24:47.000 Right.
00:24:48.000 And inflation is high.
00:24:49.000 And so if they, listen, if they stay to their mandate, they should probably increase rates because inflation is still high, right?
00:24:54.000 That's what they're supposed to do.
00:24:56.000 But the question will be, do they, are they having meetings right now?
00:25:00.000 And are they deciding that if we don't raise rates, if we pivot or if we do something else, will that help keep some of these banks alive?
00:25:08.000 Because you got to think that SVB is not the only bank that has a lot of these treasuries from last year.
00:25:13.000 If they keep going higher and you can buy bonds on the market for 5% or 6% or 7%, everyone that bottom at 1% is in trouble.
00:25:22.000 So that's going to be the question of what's going to happen next week.
00:25:25.000 So I don't know.
00:25:26.000 I'm just speculating that maybe they don't increase.
00:25:29.000 That's what the banks probably, I remember a guy that owns a bank in Texas who I really respect and been a supporter of ours for years.
00:25:37.000 I asked him, I said, what are you doing with your money?
00:25:40.000 What are you investing?
00:25:41.000 He said, I'm sitting on cash and buying gold because gold is going to go up.
00:25:46.000 And he said, cash, I'm going to lose some of my value.
00:25:48.000 He said, at least it's liquid.
00:25:49.000 And it's just not tied up.
00:25:50.000 And I thought that was such a weird thing for him to say.
00:25:52.000 It ends up kind of being a little bit clairvoyant.
00:25:54.000 Yeah.
00:25:55.000 Well, it's like he's, he's waiting.
00:25:56.000 Well, he's sitting on a lot of cash because he's waiting for opportunities, right?
00:25:59.000 I mean, that's, he wants to be able to jump into the market.
00:26:01.000 And there's a lot of people out there that are so happy with some of these bond rates.
00:26:05.000 You know, people that now, in a high, you know, if you look at inflation, let's say it's 10% and they're giving you a bond at 5%, it's still not great, right?
00:26:12.000 It's sort of the same thing because they said inflation was 2% or 3%.
00:26:16.000 It's a lie.
00:26:17.000 It's been a lie for a long time.
00:26:19.000 Yeah, it's the same thing.
00:26:20.000 But to have liquidity available to take opportunities is, I think that's the thing that people are really looking at.
00:26:27.000 And, you know, there's different opportunity.
00:26:29.000 And I talk about this a lot.
00:26:30.000 I think the gig economy and like what's happening with millennials, you know, everything's gone up.
00:26:36.000 Delinquencies have gone up.
00:26:37.000 Auto home loans delinquencies have gone up.
00:26:40.000 Mortgage delinquency has gone up.
00:26:42.000 Not a lot, not like 2008, but it's starting to creep up.
00:26:45.000 So how do people fill this gap to keep them solvent, to cover the increase in everything?
00:26:51.000 That's a big question.
00:26:53.000 And it's interesting.
00:26:53.000 Real estate prices are going down, but it's interesting.
00:26:56.000 People are going to hold on to that 3% interest rate if they can.
00:27:00.000 I mean, they're not going to be quick to sell their home, right?
00:27:03.000 Even though they're overextended.
00:27:05.000 Sure.
00:27:05.000 There's a lot of people that say, I'm never going to get, I'm not going to get a rate like that right now.
00:27:09.000 And so I knew we were in trouble about 18 months ago where I had some of our donors come to me and they said, do you know any ideas of places I can invest things in?
00:27:22.000 I said, what do you mean?
00:27:23.000 They said, there's just, I don't know where the value is.
00:27:25.000 And when you have dollar bills trying to find value, bad things start to happen.
00:27:29.000 And it turns out that if you actually go to the cornerstone, which is a metallic-based something that could be used, talk about how gold is used in our, I think this is interesting.
00:27:39.000 Gold is not just a nice shiny thing that you wear as jewelry.
00:27:42.000 It actually has a utility to it.
00:27:45.000 Yeah.
00:27:45.000 So, yeah, for 20 years before, mostly gold was sitting in mostly central banks.
00:27:51.000 Investors were buying it.
00:27:54.000 Jewelry obviously has been a big use.
00:27:56.000 And, you know, India has always been a, has a fascination.
00:27:59.000 And they have their wedding season coming up in a few months.
00:28:01.000 So you can.
00:28:02.000 Does that go up?
00:28:02.000 Does that increase?
00:28:03.000 Yeah.
00:28:03.000 Oh, really?
00:28:04.000 Because the tremendous amount that they would give as gifts.
00:28:06.000 I mean, it's part of the industry.
00:28:08.000 But even on a interesting thing is India, even on a smaller level for families that are poor, they'll pull money together to buy one gram of gold in India, which is basically the size of your fingernail because they revere it so much.
00:28:23.000 And they know, you know, India has obviously gone through pretty heavy inflation.
00:28:27.000 They know that gold will be a store of value for them.
00:28:30.000 And that's really the reason of it.
00:28:32.000 But today, you know, you have gold and heart monitors.
00:28:35.000 You have everything going into space.
00:28:37.000 They're using gold, cell phones, a lot of tech that we're dealing with day to day.
00:28:43.000 There's all these studies about how much gold is in these iPhones and they're extracting it out.
00:28:48.000 So yeah, there's a lot of industrial uses.
00:28:50.000 So that's what makes it so unique is that you have central banks last year buying the most gold that they've ever bought in 20 years.
00:28:56.000 Then you have this just investment use of retail investors buying it, jewelry, and then you also have this investment use.
00:29:04.000 So it's quite unique in that way that it has all of these different applications day to day.
00:29:10.000 Yeah.
00:29:10.000 And I mean, I don't know too much about the mechanics of the Fed.
00:29:13.000 They just make, I mean, Jerome Powell just meets with his pals and makes a decision.
00:29:17.000 I mean, is that really what it kind of comes down to?
00:29:20.000 The process is so, you know, you know, not clear.
00:29:24.000 It's unclear.
00:29:24.000 It's going to be a little bit more.
00:29:25.000 Yeah, well, their 2% mandate, the 2% inflation mandate.
00:29:30.000 Mandate from who?
00:29:31.000 That's what's been created.
00:29:32.000 They said they have to get their inflation down to 2%.
00:29:34.000 That's sort of their mandate.
00:29:36.000 Can we ever, in my opinion, we're never getting back to 2% unless they basically strip CPI down and just put a lot of favorable attributes in there.
00:29:47.000 So I think what's going to have to happen, and I think it will happen, I think they're going to increase their mandate to probably 4%.
00:29:52.000 Yeah, and we're going to have to live with 4% to 5%.
00:29:55.000 But it's really 10% inflation.
00:29:56.000 Correct.
00:29:57.000 So the new normal is going to be, guys, sorry, asset prices are going to go up 10% a year for eggs, and you're going to have to get used to it.
00:30:05.000 Yeah, exactly.
00:30:06.000 That's what's going to happen.
00:30:06.000 And then that would be the only thing.
00:30:08.000 Until the next war happens, then it will be 15% or 20%.
00:30:11.000 And you're going to get, oh my goodness, the malinvestment you get in that way.
00:30:17.000 I want to play another piece of tape here about the economy.
00:30:20.000 Cut 67.
00:30:21.000 Inflation is the worst thing that can happen to an economy.
00:30:25.000 Play Cut 67.
00:30:26.000 We have some major problems in our economy.
00:30:30.000 Inflation is the worst thing an economy can have.
00:30:32.000 And I think people underrate that.
00:30:35.000 If you look in history, every hegemony has been destroyed by inflation or almost everyone.
00:30:42.000 I was sitting at a lunch in Palm Beach two years ago, and I was with a bunch of Wall Street guys, very smart people, went to good schools.
00:30:50.000 And this was, let me think about this.
00:30:52.000 Yeah, it was January of 2021.
00:30:55.000 And I made a remark.
00:30:57.000 I remember I took the day off radio.
00:30:58.000 I said, you know, we're going to experience some hyperinflation.
00:31:02.000 And they were not just, they thought, they said, we're never going to have inflation in this country.
00:31:06.000 I look at all the metrics and all that.
00:31:07.000 How do the smart people get this so wrong?
00:31:09.000 Well, I think you get used to the norm.
00:31:12.000 You get used to that, seeing that 2% number.
00:31:15.000 And I do think the only reason that we were forced to show these higher numbers of inflation is because it was so rampant for everybody.
00:31:23.000 I mean, every item that people were buying was going up such a dramatic amount.
00:31:28.000 Obviously, gasoline was a component of that.
00:31:31.000 You had those prices.
00:31:31.000 But then you saw silly things like use cars go up, you know, 70%.
00:31:36.000 And they're telling you you have to pay $40,000 over sticker price to buy a high-end day car or whatever.
00:31:42.000 So I think it just, it really got put into people's faces in a very quick way.
00:31:47.000 And so I think it's, you're right.
00:31:50.000 Everybody's missed the boat on this really common thing.
00:31:54.000 And, you know, that's what they say about inflation.
00:31:56.000 It's like it sneaks up on you.
00:31:58.000 You just sort of forget about it.
00:32:00.000 And, you know, for so many people that just have a standard retirement or they're just, they have Social Security and they think all their metrics are off.
00:32:09.000 You know, that 3% rule, that 3% pullout rule in retirement, those numbers are going to have to be recalculated based on readjusted.
00:32:18.000 And so the closer you are to retirement, that's when you really have to be careful.
00:32:22.000 And I think people got really used to just keeping money in the markets and just thinking it was going to, it would ride itself out over years.
00:32:30.000 But it looks like this pullback in the stock market could be longer than some of the other ones that we've seen in the past.
00:32:37.000 Yeah, and they're only prolonging the inevitable, which is that some of these companies have unsustainable business models that are propped up by cheap money.
00:32:45.000 And you can only pump so much cheap money into the system before you get massive negative ramifications.
00:32:51.000 And then people start putting money and all sorts of goofy stuff.
00:32:53.000 I do like the idea of blockchain and cryptocurrency, but the amount of the inflationary bubble of crypto, I mean, now this is one of the more tragic stories.
00:33:01.000 It's down 90% basically across the board.
00:33:03.000 And you're probably looking around being like, well, you should have just bought the thing you could touch.
00:33:08.000 Well, yeah, because everybody's always, they always say Bitcoin and gold are kind of similar.
00:33:12.000 And because Bitcoin has a limited supply, they sort of attach those two things together.
00:33:17.000 But fundamentally, Bitcoin still has a problem.
00:33:20.000 Not that I don't own Bitcoin, and I do.
00:33:23.000 I still think it has the fundamental issue of proving that it has utility.
00:33:27.000 And that's the biggest issue with most of these.
00:33:29.000 Whereas gold has proven that it has utility.
00:33:32.000 And even silver, we didn't get to talk about this too much, but it's a beautiful silver coin here.
00:33:37.000 Yeah, Five Ounce America, the beautiful coin, which is one of our most popular coins.
00:33:41.000 But last year was the first year that the Indian market was actually able to buy silver and mass.
00:33:46.000 And so I do think you have the Indian market, which has been infatuated with gold.
00:33:50.000 Now they have a bunch of ETFs in India that they didn't have access to because your regular investor, they're not going to store silver there.
00:33:58.000 It's just too big, too bulky.
00:33:59.000 So now they have an ETF market in India that was never there before.
00:34:03.000 So that's growing the demand.
00:34:05.000 And then if you talk to miners about silver, where it's priced today in the, you know, in the low 20s, they talk about all the industrial uses and how hard it is to mine.
00:34:13.000 The price is just, we're still dealing with a lot of pushback from the markets.
00:34:18.000 And we still haven't seen a lot of, we haven't seen it really start to take off.
00:34:22.000 I mean, silver was at $50 an ounce in 2011.
00:34:25.000 It was at $50 an ounce in 1983.
00:34:28.000 And we're well below that price.
00:34:30.000 It's extraordinary.
00:34:31.000 Yeah, it is.
00:34:31.000 It really is.
00:34:32.000 Yeah, at some point, the dollar bills are going to come home to the place of actual value.
00:34:36.000 Noblegoldinvestments.com.
00:34:38.000 They can go and they can call, right?
00:34:40.000 Absolutely.
00:34:40.000 We're an accountant.
00:34:41.000 We're a U.S. base.
00:34:42.000 So the thing that has, I think, separated us and propelled us to a lot of this growth was that we're one of the few companies that you can actually call and talk to a live person.
00:34:50.000 And everyone there has been associated.
00:34:53.000 I've either trained or been around.
00:34:55.000 And we have a Florida, you mentioned it.
00:34:57.000 We have a group that loves gold and silver.
00:35:00.000 But even some people say like they have to almost push the sale on a salesperson because we want people to feel comfortable about the purchase.
00:35:09.000 We want them to know this is a long-term thing.
00:35:11.000 They're going to be, if they do a gold IRA, the gold in there could be for 10 or 15 or 20 years.
00:35:17.000 So we want them to feel as though they made the decision.
00:35:20.000 And so we really take our time with that.
00:35:22.000 And they treat people really well.
00:35:23.000 It's noblegoldinvestments.com.
00:35:26.000 I'm sure many of you guys have investments in different places, but own something you can touch.
00:35:30.000 I tell you guys that when we talk about Noble Gold, they do a great job.
00:35:33.000 Colin, thank you so much.
00:35:34.000 It was a great hour.
00:35:35.000 Thanks, Charlie.
00:35:35.000 Appreciate it.
00:35:36.000 NobleGoldInvestments.com.
00:35:40.000 Thanks so much for listening, everybody.
00:35:41.000 Email us your thoughts as always: freedom at charliekirk.com.
00:35:44.000 Thanks so much for listening, and God bless.
00:35:49.000 For more on many of these stories and news you can trust, go to CharlieKirk.com.