November 11, 2025 • 58 mins
Fear is loud when money feels uncertain, but clarity is louder when you understand how the system actually works.
I sat down with financial coach and intuitive, Nicole Cesa of SheInvestor, to map the journey from barter to gold, from paper claims to fiat, and now to Bitcoin, Ethereum, and the broader world of decentralized finance.
Together we unpack what these technologies do in plain English, why stablecoins exist, and how tokenized gold and silver can offer old-world stability with new-world flexibility.
We get tactical about safety: the difference between leaving funds on an exchange and holding your private keys, what cold wallets like Ledger and Trezor protect you from, and the simple steps that make crypto custody feel routine.
Nicole explains Ethereum’s programmable layer, tokenization, and how decentralized lending and trading compare to today’s banking rails. We also zoom out to the macro forces: record debt, inflation pressures, shifting foreign reserves into gold, and why policymakers are eyeing CBDCs for faster global payments—alongside the real privacy risks of tying money to digital IDs.
Rather than spiraling into worst-case thinking, we focus on resilience. That means thoughtful diversification across cash for offline needs, physical or vaulted metals for value stability, Bitcoin for censorship resistance, Ethereum for the DeFi ecosystem, and select stablecoins to stay nimble.
If you’re exploring infrastructure plays, Nicole flags XRP’s potential role in replacing legacy cross-border networks. You’ll leave with practical tools, trusted resources, and a grounded mindset that blends research with intuition—so you can act from confidence, not fear.
If this conversation helps you breathe easier and plan smarter, follow the show, share it with a friend who needs it, and leave a quick review. Your support helps more people find the knowledge to protect and grow their wealth—what’s the one step you’ll take today?
Follow Nicole on IG here.
For all resources Nicole mentioned, see below:
https://calendly.com/nicolecesa/clarity-call
https://www.sheinvestor.com/investing-mastery
https://www.sheinvestor.com/private-sessions
https://calendly.com/nicolecesa/financial-strategy-session
Join Unveiled - The Membership here.
Book a 40 min read with me here.
Subscribe to The Sunday Source here (a free channeling).
Follow me on Instagram here: Angela Marie Christian
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
SPEAKER_00 (00:04):
Welcome to Unveiled, the podcast.
I'm your host, Angela Christian,and I help you with unveiling
your true self by peeling awaythe layers that society placed
on you.
I do this with a combination ofneuroscience, energetics, and
ancient spiritual wisdom.
I went from underpaid andoverworked in corporate America
to launching a six-figurecompany that continues to grow.
(00:27):
I went from toxic relationshipsto being happy and single for
over a year as I worked andcontinue to work on becoming the
best version of myself and somuch more.
My greatest passion is to helpwomen and mothers heal,
transform, and become thehighest versions of themselves.
As I continue to grow and expandmy intuitive knowledge and
unique wisdom, I'll be includingyou on my journey to millions.
(00:50):
So let's get into it.
Today I have an exciting guestcoming on, Nicole Chesa.
Nicole and I met at Guided LightHealing, which, as most of you
know, that is where I've beenstudying for over a year and a
(01:14):
half at this point.
Nicole and I met in my veryfirst class there, and it was
her first class as well.
As some of you know, if you'vebeen listening to the podcast,
I've been experiencingreflections around this whole
concern with digital ID, what todo with our money, all of that.
And part of how I always addressfear is realizing that there's
(01:37):
just missing pieces ofinformation that I kind of need
to fill in, and that will helpneutralize it.
So I asked Nicole to come on andkind of address all of this, and
it really put my mind at ease.
I actually left the conversationfeeling excited to go check out
these alternative opportunitiesthat some I didn't even know
(01:59):
about.
I hope you'll enjoy ourconversation as much as I did
and definitely share it withanyone who could benefit.
So let's dive in.
All right.
Well, thank you so much, Nicole,for being here.
I'm really excited to dive intoall of these topics.
Thank you, Angela.
I am so excited as well.
Yeah.
So if you could just share a bitabout your background, both
(02:23):
finance, intuitive, how you cameto be in both worlds.
I would love to hear that.
SPEAKER_01 (02:29):
Yes.
And I think this definitelydeserves a story because it is
two different things that seemvery separate.
So hi everyone.
Like Angela said, my name'sNicole.
I run a brand called SheInvestor and I'm a financial
coach, educator, and then alsotrained in intuition as well.
My big thing is really to helpwomen build confidence with
(02:51):
money, uh, invest and justcreate financial freedom both
from the inside and out.
So my background grew up on theEast Coast, small town
Pennsylvania, very normal EastCoast life where you're kind of
put in this trajectory of gottago to school, you got to work
hard, and it's gonna be hard.
And then eventually you're gonnakind of have like money, retire,
(03:13):
that whole thing.
And it was interesting becausefrom an early stage, I just felt
like life was meant to be moreexpansive than that.
And I didn't want to, I guess,work a job that I felt like I
should be working just for thesake of making money.
And so I did that though.
(03:34):
I started out in sales.
And as soon as I started thatcareer and was making some
money, I started heavilyresearching like what it how can
I make other sources of income?
What is it that wealthy peopledo?
Why are they wealthy and all ofthat?
And that's where I foundinvesting and specifically
through the stock market anddifferent financial assets like
(03:56):
that is one of the mostefficient ways to build wealth
long term.
And so what I did, I took thatinformation and I built my own
investment portfolio that's setup to take care of me long term.
And then I just became obsessedwith it.
I went back to school, I got mymaster's in finance, and then I
worked as an analyst in investorrelations for a bit.
(04:18):
And so, through thatprofessional experience, I then
learned that there was a big gapwith women and money and decided
that I'd actually like to helpwomen have the same advantages
that those that work on WallStreet do.
So I left corporate, started mybusiness, and then ran into
challenges starting my ownbusiness because I realized like
(04:39):
finance is not just or successand wealth isn't just numbers.
It's very much tied to emotionsand your energy.
Angela, you know all about this,obviously.
And then that's where you and Imet.
So I came across Al in theguided light healing community
and started working with him andthrough some of his programs and
(05:00):
realized that yes, like money isso much more than just numbers.
It's your emotions, it's yourbeliefs, it's how you think and
feel about yourself.
And the other thing was thatthrough my experience with
investing, I had started tradingas well.
So trading stocks, tradingoptions, which is a little bit
more of like a risky investingstrategy per se.
(05:21):
And what I did was I kept atrading journal.
And I noticed that anytime therewas a trade, I would, you know,
look at all the differentfactors.
And then before I would placethe trade, I would tune inward
and be like, does this feel likethis is gonna go well?
And every time that I was notemotional, there was like this
(05:42):
inner knowing that like this wasjust gonna work out.
And so, like nine times out of10, it would be a profitable
trade.
And then as soon as I'd have allthese like profitable trades,
I'd be like, okay, like I knowthis next trade is gonna go
well.
I would get emotional, I wouldbet bigger, and then it would
just kind of come back to squareone.
But what I learned through thatwas like tuning inward and
(06:03):
trusting my intuition thathelped me make better decisions
with my money.
And so now I'm playing aroundwith like actually using my
intuition to more strategicallysee how different investments
are gonna play out.
And it's been, it's been reallyfascinating how it works.
But uh, long story short, now Ireally combine financial
(06:26):
strategy with money energeticsand intuitive guidance to give
my clients the the bestadvantages with their money.
So that is my story in anutshell.
SPEAKER_00 (06:36):
Yeah, I love that so much.
And I know I think the firstclass we were in was financial
mastery.
I think we were in thattogether.
SPEAKER_01 (06:44):
Yes, it was.
I remember you in there becauseyou used to be a CFO, right?
SPEAKER_00 (06:48):
Yeah, so I still have a few CFO clients.
So I'm still kind of in bothworlds as well.
So yeah, it is interestingbecause it's like I kind of like
having the very logical side oflike accounting and finance, and
then the very like energeticside as well.
I feel like it's a good balance.
So it is, and the law balance,right?
SPEAKER_01 (07:08):
And we live in a three-day world, so we do need
it.
SPEAKER_00 (07:11):
Yeah, exactly.
Yeah, and so I know we have sometopics we're going to touch on
today, and I would love for youto just start with like the
history of money.
Yes.
SPEAKER_01 (07:23):
I do want to share like a quick financial
disclaimer since we are talkingabout investments.
I have to throw this out there.
So everything we're talkingabout is for informational and
educational purposes.
It's uh should not be construedas financial advice.
Okay, perfect.
Now, all right.
So, yeah, so we're talking aboutalternative assets,
(07:44):
cryptocurrencies, what'shappening in the economy.
And I remember whenever I firstlearned about Bitcoin and
cryptocurrencies, it was justlike really hard for my brain to
wrap itself around, like, okay,well, we have cash, and then now
all of a sudden there's justlike this made-up money on the
internet.
It's just like I don'tunderstand it, it doesn't make
(08:05):
sense.
I think a lot of people feelthis way.
And then when I startedresearching the history of
money, it actually does makesense, at least to me, and seems
like there's a real uh use casefor it.
So the first part of money waskind of like built on this thing
of mutual trust and bartering.
So there were communities, andall communities help each other
(08:28):
out.
So you did something for me, Ido something for you.
And if there wasn't somethingthat could be done in exchange,
it was looked at as an IOU orkind of like a debt.
Okay.
And then bartering was more sowhen there was someone you
didn't know passing through oranother community, or you
weren't sure if they were goingto be able to fulfill that
(08:51):
exchange, then you would forsomething to exchange at that
time versus like an IOU or adebt.
Now, obviously, there's aproblem if there can't be an
exchange, right?
And so the solution to that wasan intermediary asset, which is
money.
And that's where commodity cameinto the picture.
(09:13):
So a physical means of moneythat is like a temporary
placeholder of value.
So most commonly, that'sphysical money like gold and
silver.
And these have been used forthousands of years as actual
money, but have also maintainedtheir value.
So, still to this day, peoplehold gold, hold silver, and can
(09:36):
use it as money in differentsituations.
And the nice thing about this isthat there's no third party.
So you and I can exchange gold,silver, whatever it is.
This is like an example of truesovereignty with your money.
And that's one of the reasons Ilove physical gold and silver.
More on that to come.
(09:57):
And so then there becamerepresentative money, okay?
And that is a claim on anunderlying thing.
So think about like a paper notethat you could then go and
exchange for something like goldand silver.
So it's a right to claim anunderlying asset, but you don't
(10:18):
have to actually go and exchangeit right away.
You could also like sell it tosomeone else, and vice versa.
And what that did was providemore convenience instead of
carrying around like heavy coinsall the time.
So that was kind of like thenext step up.
And then we moved into this eraof fiat currency, which is what
(10:39):
we have today.
So the dollars, and they arecompletely delinked from
anything valuable.
So there's technically no valuein and of itself, and it's not
backed by anything except thefact that it's declared by law
as legal tender.
So it has to be accepted or itcan be accepted for things like
(11:02):
debt when you're buyingsomething, but more importantly,
for tax payment.
So if the government is like,this is the form of money that
we accept tax payments through,and everybody has to pay taxes,
then everybody is going to adoptthat currency because they're
gonna need some of that to paytaxes.
So that is where currency camein.
(11:26):
And it's yeah, it's kind of likefunny because if you think about
it, it's just, you know, it'sit's paper, they print it all
the time.
Like it's just, but it hasvalue.
So, so that is fiat currency.
Now, the benefit of this, right,is that we can pay people
directly.
The deal is done, it'speer-to-peer with cash.
(11:47):
There doesn't have to be like abank involved, right?
Especially if you're in person,you know, I can just pay you for
a service or vice versa.
And then we would individuallykeep record of that.
So if I go to the grocery store,pay cash, I get a receipt that I
paid.
And then they keep record ofthat on their system and
internal database.
So that is, you know, how cashworks.
(12:10):
And then we can go and put thatin the bank, which is like the
digital form of cash.
And then if we do that, and ifwe transfer money through our
bank or pay something using ourcredit card, debit card, then
that transaction is recordedthrough the bank or through that
service provider, like PayPal,through your credit card
(12:30):
company, whatever it is.
Okay.
And so now that third, there's athird party involved handling
that transaction, which isobviously helpful because if
somebody is across the countryon the other side of the world
or only works online, you can't,you're not just gonna like go
there and give them cash, right?
The bank is a great way to makepayments, right?
(12:53):
So that is the let's just saythe banking system in a
nutshell.
And every bank has its ownprivate ledger of recording.
So if you think about like allthese banks spread out,
everything is individual andseparate.
There's no like insight to allof it as a whole.
And so that brings me toBitcoin.
(13:14):
And so Bitcoin, it's the world'sfirst cryptocurrency.
So think of like the digitalcoins that were developed
through technology.
And I just I have to like, Ijust want to laugh whenever I'm
talking about this becausesometimes it just sounds so
crazy.
But but it is really cool.
Okay, so its whole purpose is tolet you send and receive money
(13:38):
to and from anyone, regardlesswhere they are in the world,
with just a computer, aninternet connection, and does
not need uh the involvement of athird party to facilitate that
transaction.
So it's built on this reallycool technology that is designed
(14:00):
to record ownership andtransactions in and of itself,
provide security, and thenprocess like payments all on its
own.
So it's like this public thingwhere all of these transactions
are listed, a public recordkeeping system is really what it
(14:21):
is.
And then you can send paymentsuser-to-user, which is more can
be more efficient if you'resending money to someone across
the country and just kind ofgives you more sovereignty as
well with your money.
So it's really cool in the waythat that works.
SPEAKER_00 (14:37):
Yeah, it's funny because a few years ago I was
buying something online and youwould get a discount if you used
Bitcoin.
And so I purchased Bitcoin.
I had to like Google how to doit, and then I ended up
purchasing too much, so I justhad like$50 in my Bitcoin and I
couldn't figure out how to cashit out.
(14:58):
Now it's worth worth like$300,and I didn't even add anything
to it.
I'm like, gosh, if I had justlike invested a little bit more,
you know, it was like it was anaccidental investment, but like
I'm just letting it stay there.
So yeah, let it stay therelonger.
SPEAKER_01 (15:15):
Yeah, too.
Yeah, it it that's funny too.
I remember when I was incollege, actually in my
undergrad, because I I wasstudying, it was called
Management Information Systems.
So it was kind of a pretty techfocused business degree, but
there was a bunch of kids in mymajor who were buying Bitcoin at
the time.
I was like, I really want to buysome too.
And it seems so complicated atthat time how to do it.
(15:37):
And I do remember buying some acouple years after that, but
then I had sold it because Ijust didn't know what it was
going to do today.
But we always wish that, youknow, we did things years ago,
but that's the way that is,right?
Yeah, so that's Bitcoin and acouple other like points here
that are really cool is like itanybody can buy it, and like
(16:00):
regardless of your credit score,status, whatever, it's just
really like a public accessibleform of money for anyone, which
is pretty cool.
And then let's see here now.
Through okay, so through thetechnology that it was built on
blockchain, there can be other,so other cryptocurrencies can be
(16:26):
built on that too.
So you've probably seen if youfollow this at all, like there
seems like there's likethousands of other digital
coins, and they are, and it'scool, but it's also it can be,
you need to have a little bit ofdiscernment with what you decide
to buy too, because this iswhere you'll see all these like
pump and dump scams or memecoins.
(16:46):
And there, there's just a lot ofhonestly, like scams out there
with cryptocurrency.
But one of the so the nextbiggest one, the next biggest
one is called Ether or Ethereum.
And so I want to talk about thisone too, because this will help
under like explain how thistechnology can, it's like money,
(17:08):
but you can also do things withit.
And it's really like redefiningthe way that we work with money.
So it's really redefining thewhole financial system.
So with Ethereum, like ifBitcoin is a flip phone, its
whole purpose is literally justto send and receive money, like
send and receive text messages.
Ethereum is like a smartphone,so it's not just money, but it
(17:32):
allows you to have apps on it.
So it's programmable.
Yeah.
Wow, I didn't know that.
Yes.
So it's a programmableblockchain that essentially like
one of the main things it doesis it allows for this
decentralized finance.
And what that means is like, solike Bitcoin is the digital way
(17:58):
of cash, sending cash to people,whereas decentralized finance is
like digitizing your investmentsor lending or borrowing or
trading.
So it's almost like imagine thatI have a stock and now it's a
digital form, which is called atoken.
And then you and I could liketrade stocks back and forth
(18:18):
directly versus going throughlike the moneymaker who handles
all of that.
So that is essentially how thatworks.
And another kind of way to lookat this is if you needed to get
like a if you wanted to take outlike a home equity line of
credit on your home, but youwere in a credit situation where
(18:41):
you couldn't do that, you couldtokenize your home and allow
people to take ownership,partial ownership of your home.
You could then use that moneyfor what you need.
And then as the home goes up invalue, and if you sold the home,
right, the the people owning thetokens would, you know, profit
(19:02):
off of that, or they could sellit to other people, or you could
buy it back.
So that's basically what theEthereum technology then allows
you to do, which is really,really cool.
So you can like tokenize prettymuch anything, it sounds like
with this technology.
SPEAKER_00 (19:17):
Wow, I had no idea.
That is wild.
Yeah.
And so if somebody's new tothis, I I heard someone say this
the other day.
Is how risky is it like thatsomeone could, like a hacker,
could like hack thisinformation?
I've heard it's pretty safe, butI would love to hear your take.
SPEAKER_01 (19:37):
Yeah, the blockchain itself.
So the research that I've done,I want to say it's it's
definitely no more riskier thanthe current banking system and
internet is.
Because all of that is alsobuilt on software and
technology.
And how bit the blockchain isbuilt underneath is like there's
(20:00):
it's almost like there, there'sall these different computers
that are so spread out that goesthrough all these different
checkpoints.
And there's so many that it'sbasically impossible to hack the
actual technology because of howit was designed.
But what is risky is thepotential to lose your Bitcoin
(20:23):
if it's stored on like anexchange or something like that.
So that is definitely, yeah.
So there's a couple ways to uhpurchase cryptocurrency.
And one of the most common waysis through it's called a
centralized exchange.
So it's like it's basically likean online broker for crypto.
(20:48):
So where Fidelity is an onlinebroker for stocks and bonds and
other financial securities,crypto exchanges are that for
crypto.
So Coinbase is a big one,crypto.com, Kraken, Binance,
there's a bunch.
And with this, it's really easyto buy it.
It's it's legitimate, it's alegitimate way to buy
(21:09):
cryptocurrency.
The the problem or the thechallenge there is that for you
to really truly own yourcryptocurrency, there is a
private key associated with it.
And the exchanges hold yourprivate keys whenever you buy.
(21:31):
And so if that exchange getshacked, then technically they
could steal the hackers, couldsteal your crypto.
And I've seen this happen topeople.
The other thing that hadactually happened to me was I
bought crypto through anexchange like this, and I just
(21:55):
kept it on the platform.
And then that company had lentout some of the money to another
company that then defaulted onthat loan.
At the same time, crypto wasgoing down, so everyone was
trying to withdraw their moneyand they froze everything, so
nobody could get their money andthey went bankrupt.
(22:17):
So that was a whole thing.
Fortunately, though, there wasanother company that then came
in, and so they've paid out themajority of it, but it still was
like a very frustrating thingbecause that's a very real
scenario that could happen.
SPEAKER_00 (22:31):
Yeah.
Okay, so I didn't know that.
So it would this be like what Altalks about with like Ledger.
Is that what it's called?
SPEAKER_01 (22:39):
Like the little so yeah, so that's different.
So okay, yeah.
So Ledger, and then there'sanother one that's really good,
uh, Trezor, the T-R-E-Z-O-R.
Those are what are called coldhard wallets and they're stored
completely offline.
Okay.
So your crypto, when you buy thecrypto, it's on the blockchain.
(23:02):
And then the wallet, the coldwallet, it's a physical device.
The physical device is whatstores the private key.
Okay.
And so that's the safest option.
And then what's great too islike if you use lose a device,
there is a passphrase where youcan get a new device, put that
in and get it back.
So it's kind of like a nicesafety mechanism.
(23:25):
Yeah.
But if you lose that passphaseand you lose a device, then
there that's going to be aproblem.
So you want to make sure thatyou have that written somewhere,
saved somewhere, saved inmultiple places, broken up in
multiple places.
Yeah.
Especially if you are, if it'sgrowing, if you have a lot of
(23:45):
money in there, you definitelydon't want to skip out on taking
the extra steps to make surethat it is indeed secure.
SPEAKER_00 (23:54):
Yeah.
Okay.
And so if you have money onlike, so I think mine's just on
like the Bitcoin app.
Okay.
So can you, if someone has it onlike the Bitcoin app, can you
transfer it to like a ledger orthe other one that you had
mentioned?
Yes.
SPEAKER_01 (24:10):
Yeah.
So you would essentially you'dhave a wallet through the the
the wallet, and you would justsend it to that Bitcoin wallet
through that device.
So you can just directlytransfer it, which would be
easy.
And then the other thing you cando too, at least with Ledger, I
know, is you can actually buycrypto directly through your
(24:33):
bank account to the ledgerdevice.
So it comes with like a an appthat facilitates that
transaction.
So while that app is connectedto the internet, your device
still needs to approve anytransactions.
And so it keeps everything safethat way.
So that's the other way that youcould buy it as well directly to
(24:55):
the cold wallet.
SPEAKER_00 (24:56):
Oh, okay.
SPEAKER_01 (24:57):
And so you said that's like the safest way or
yeah, that that's the safe, thesafest way to store it would be
in the cold wallet.
Um, it seems like to me, it'sit's fine either way.
If you're gonna buy it throughuh one of the exchanges like
Coinbase, it's prettystraightforward to buy it and
(25:19):
then transfer, but also throughthe actual device too in the
interface, you just connect yourbank account basically and then
transfer it and and pay.
There's there is like a apayment service provider that
basically like the only way Ican describe it is converts the
dollars into digital currency.
(25:41):
So there kind of is like itseems like a couple of steps
with that buying process, butthat yeah, you can you can
purchase it either way.
Okay.
SPEAKER_00 (25:50):
And so Bitcoin and Ethereum, are those like the two
top ones, would you say?
SPEAKER_01 (25:57):
Or yeah, they're the two top ones.
They are the most popular ones,they're the ones that have the
most money in them as well.
The other thing that's reallyinteresting to note is that the
US government is the secondlargest holder of Bitcoin now as
well.
Wow.
So if they're involved insomething, yeah, like okay, they
(26:18):
want it to go well, but it'salso scary because you they have
a lot of power over the price,too.
SPEAKER_00 (26:24):
Oh, I see.
Yeah, because I think when Ipurchased, I don't think that
was the case.
SPEAKER_01 (26:29):
Was is that something new that they they've
been buying more and more?
And because the problem isbecause it's not regulated, it's
not, and because it's not backedby something either.
So, like stocks are backed bycompanies, your mortgage is
backed by your house.
I mean, the dollar though reallyisn't backed by anything.
(26:50):
So there's that.
But because it's not backed bysomething physical in the
finance world, it's notconsidered an actual investment
or asset.
And yeah, so so that's kind ofthe big debate.
But now it seems like there'smore understanding around it.
They're working on a way tocreate a regulated form of it,
(27:13):
their own, and you know, allthose things.
So the more people that get onboard with it, utilize it,
accept it, the the more theprice will drive up with this
stuff.
So okay.
SPEAKER_00 (27:28):
Yeah, okay.
So from here, you can tell mewhere you want to go, but
something that has been just onmy mind a lot, and I know of a
lot of people's mind is thiswhole digital, uh, digital ID,
digital currency, the CBD, C D BDs, and like how we can protect
ourselves and like safeinvestments.
(27:50):
And I know you can't give like,you know, financial advice, but
just like generally speaking,like I've been trying to invest
in actual gold and silverrecently.
I know there's uh also you hadshared with me privately that
there's is it called it's like acoin backed by gold.
Like wherever you want to takethis, I would love to just touch
on those things.
Like I didn't even know therewas a coin, like a digital coin
(28:12):
you could purchase backed bygold.
So like, yeah, I'm sure I'm notthe only one that didn't know
that.
SPEAKER_01 (28:17):
So yeah, I mean, that's something really cool.
Yeah, we can touch on thatfirst, and then we could take a
step back and just I would loveto address the debt situation
because that really honestlyties into this whole CBDC and
digital ID situation.
And it it it honestly makessense.
So yeah, the stable coins, allstable coins are for anyone who
(28:39):
hasn't heard of this termbefore, it's also a
cryptocurrency, but it'sdesigned to maintain a stable
value.
And the way that happens isbeing pegged to something
physical outside of theblockchain one-to-one.
So there is a US dollar stablecoin.
And so for every uh stable coinyou own, there is a uh one
(29:04):
dollar in reserve physically.
So that's how that works.
And then other countries do thistoo.
So there are stable coins forthe euro, the British pound,
Australian dollar, and others aswell.
But the whole thing is that it'syou know one-to-one.
So think of it as if you buy auh USD stable coin, then it's
(29:25):
kind of like the same thing asjust putting money in a savings
account.
It's not gonna change in value.
Okay.
That makes sense.
So that's how that works.
And then there are stable coinspegged to both gold and silver.
And I recently researched thesemore, and I kind of like this
(29:45):
throughout more than thephysical storage of gold and
silver.
So there's two companies.
So there is a gold one calledPaxos P A X G is the, I guess,
cryptocurrency.
Ticker, let's call it.
And so this one it's pegged togold.
And when you buy it, you alsoown a physical ounce of gold
(30:10):
that's stored in a vault thatyou could actually redeem it for
if you want.
But you also don't have to paystorage fees because how the
blockchain is designed, thosecosts are kind of taken care of
collectively through any uh liketransaction fees of buying and
selling.
So, like I could, you could, ifyou buy Paxos, I could buy it
(30:32):
from you, you could sell it fromme, you know, vice versa.
So it's kind of a nice way toget in and out of something
versus like having it physicallyshipped to your house or
physically shipping it back orpaying storage fees as well and
premiums on the price.
So the the stable coin situationfor this helps offset those
(30:56):
costs, which is cool.
And then the same thing withthis silver one.
So it's K-A-G, it's a companycalled Kinesis Money and same
situation.
So it's stored in a vault.
You can get it physical if youwant, but you can also just hold
the coin and buy and sell it ifyou want.
So it's it's it's really I thinkit's really unique.
I really like both of them.
SPEAKER_00 (31:16):
Yeah.
No, I love that.
And do those, do they have anykind of like, you know, our
money is supposed to be FDIC?
Is there any kind of assurance?
Like, what if someone broke inthere and stole all the gold or
silver or something?
SPEAKER_01 (31:30):
Like, do you know if there's I'm pretty sure the gold
one is whenever I looked.
I know there was something whereit was insured.
And then for the silver, I wantto say yes because I I know when
I was looking at these, I'm veryparticular at what I'm willing
to put my money in.
And I was considering putting mymoney in this kinesis one.
(31:56):
But I want to say yes.
I would just say look at thewebsite, do some research first,
just to double verify that.
But I do know because I was alsolooking at this, like if their
company essentially went downbecause these coins are still on
the blockchain, you would stillown it.
SPEAKER_00 (32:16):
Oh, okay.
So you still own the physicalgold or silver.
SPEAKER_01 (32:20):
Yeah.
Yeah.
You'd still like own like thetokened tokenized version of it
that you can redeem forphysical.
And then you would just need tofind like a new interface to
access it through, essentiallyif the their site or company
went down, essentially.
Okay.
Yeah, I like that.
That's very cool.
(32:41):
Yeah, it's it's reallyinteresting.
It's, I mean, it's still kind ofconfusing, right?
But yeah.
If you think about this in termsof physically owning it, you can
see how there is a little bitmore convenience.
And the alternative would be Imean, this is similar to a way
if you bought an ETF thattracked so like a stock fund
(33:06):
that tracked the price of goldand silver, you're capitalizing
on the price change, but you'renot actually owning the
underlying physical gold in thatsense.
So this is kind of like youcould think of it as an ETF for
gold and silver, but youactually own it physically as
well.
Yeah.
No, I love that.
(33:27):
Yeah.
Yeah, I do too.
I think I think that that partof this whole cryptocurrency
thing is really cool.
SPEAKER_00 (33:34):
Yeah.
I know because the thing withlike the like having the gold
and silver at home and just liketrying to track it, like track
the value, like when youpurchased it versus now.
It's I'm sure it's probablyeasier to do that on those sites
where it's like, yeah.
SPEAKER_01 (33:52):
Yeah, because you have that interface and it just
shows you what the current priceis and all of that.
And then yeah, it's easy tomake, you know, an exchange if
you if you need to.
SPEAKER_00 (34:03):
Yeah.
SPEAKER_01 (34:04):
Okay, very cool.
Yeah.
So that is stable coins, and wecan kind of go into the debt
crisis now.
Yeah.
All right.
So the big, big, big issue,especially in the US, which does
affect other countries, whichwe're seeing, is that we have a
huge debt problem.
(34:25):
So there's over$37 trillion indebt, which is about$1 trillion
in interest per month right now.
So basically a lot.
And debt isn't something new.
So in the past, you know, we'vehad debt.
We've had debt obviously for avery long time.
The federal government wouldjust raise the ceiling, meaning
it's okay that we have more.
(34:46):
They could raise taxes, theywould print money, or just issue
more debt and then use that topay down old debt.
But we've basically got to thisplace where we are spending, so
it's$2 trillion more than we'rebringing in.
And then now the government'sprinting money like crazy.
And that's also drivinginflation.
(35:08):
So if you think about this interms of a business, an
established business, this is ifthere was an established
business who was spending waymore than it was making, and all
of its expenses it was puttingon credit cards, maxing the
credit cards out.
And then when those are maxedout, it would get new credit
cards to use to pay off theinterest of the old credit
(35:29):
cards.
So it's just kind of like thisunsustainable cycle.
And that is how the governmentis running its business,
basically.
So yeah.
Yeah.
And now it's a problem becausewe need buy, so we need buyers
to help maintain the debt andpay it down.
(35:50):
A lot of this comes from othercountries.
A lot of countries will holdtheir reserves with the US in
debt because they get paidinterest, and we use the the US
as the reserve currency forinternational trade and whatnot.
And now there's two mainreasons.
So other countries are nowseeing how much we are printing
(36:11):
money.
And when you print money, thatcauses devaluation of the dollar
or inflation.
And so these countries are like,well, our money is getting
devalued here.
So we don't really know if thisis the best place to hold it.
There's been a ton of countriesbuying gold now for this reason,
also why gold has beenskyrocketing.
(36:31):
And then another thing thathappened was in 2022, uh, the US
froze Russian central bankassets of over 300 billion.
And this terrified other nationsbecause it was kind of like,
well, our money is safe in theUS, but it's only contingent
upon if we do what you want usto do.
So that also has been driving alot of countries to pull their
(36:55):
money out of the US and put inother places like gold.
And all this is uh pointing tois that the US dollar is just
losing faith in its ability tobe this stable currency.
And then the other thing is thatwe uh facilitate uh
(37:17):
international trade through a USsystem called SWIFT.
And these countries, so okay, sobecause of that, so because of
that, they're like, well, weneed a new system for
international trade, and thatcan be done through stable
coins, so it can be done throughdigital currency, but they want
(37:38):
these things to be stable so itdoesn't fluctuate like crazy
like Bitcoin does.
And that is really what is uhalluding to this whole C B D C
uh situation because so uh C B DC stands for central bank
digital currency, right?
(37:59):
And it's just like the digitalversion of the country's
currency.
So it's the stable coin, it's aregulated uh stable coin by the
issuing companies or sorry,issuing country.
And the benefits of that, like Imentioned, is they wouldn't need
to go through the Swift systemanymore.
They could go country tocountry, and then it's just also
(38:20):
a faster and cheaper way to makepayments.
So it does actually make sensein general as a new way to do
money.
But to have that and to have itregulated, there needs to be
some way to regulate that.
And what they are introducing isessentially a monitoring system,
(38:41):
the digital IDs where they youridentity and your biometric
system is a link to your money.
And this isn't anything like newper se, right?
Like there are different formsof this, like we use our face to
open our iPhone or at theairport.
Like there are different formsof this, but it can be a little
(39:01):
bit concerning when it's tied tomoney specifically.
SPEAKER_02 (39:05):
Right.
SPEAKER_01 (39:06):
And so the digital ID, it's just basically the
digital version of your physicalID.
So you can verify yourselfonline versus going in person
somewhere.
Best example of this is no moreDMV, which I think everybody can
agree, like that would be agreat benefit, right?
Like not having to go to theDMV.
But like there's huge, hugeconcerns for privacy and
(39:29):
surveillance because likeunderneath that is a system that
contains your biometricinformation and what is that
going to be used for?
And then as much as you'd liketo hope that the people in
charge of the financial systemsand central banks all have good
intent in mind, it's just notthe case.
(39:51):
Like that's just not how itworks.
And so if the wrong people gettheir hands on this stuff, that
could really cause somepotential issues of like
restriction or controlling offinancial assets, right?
Like if you don't comply withsomething or some law or
whatever we're putting out, thenwe're gonna freeze your funds.
(40:13):
It was kind of like the COVIDsituation.
If you don't get the COVID shot,then you can no longer keep your
job, which is absolutelyridiculous because it wasn't
mandatory.
And we live in a free country,and this is kind of like a
similar potential situation thatcould happen through this.
And that that's really the fear.
And then one last point here onthis is actually recently in
(40:35):
Vietnam, over 86 million bankaccounts were frozen overnight
due to a mandatory biometricverification, and half the
country didn't do it and lostaccess to their funds because
they didn't want to comply withthis new system.
So it's it's it, there areconcerns.
There are very legitimateconcerns.
SPEAKER_00 (40:56):
Yeah.
And I remember during 2020, Ithink is when I first learned
about, I think it was China, whothey were talking about doing
this like social credit score.
And they it was kind of similarwhere and they might have even
rolled it out, but where if youdon't comply with certain
things, like you have some kindof credit score and they can
(41:18):
freeze you out of your fundstoo.
And like back then everyone'slike, oh, that's conspiracy
theory.
And like now we're seeing itall, you know, come to light.
SPEAKER_01 (41:28):
Oh, yeah.
I I saw that that is alreadybeing, yeah, that either what
you're talking about or someform of that is being
implemented in China.
I believe same in India as well.
So it's just, yeah, it'sunfortunate.
unknown (41:42):
Yeah.
SPEAKER_00 (41:43):
Yeah.
And then I saw something theother day.
It was like over the last threemonths, so many countries all of
a sudden are rolling out thedigital ID.
It's like it's all happening.
And it's like, I don't thinkthat's a coincidence, just from
my perspective.
And like everybody just decidesto roll it out at the same time.
(42:04):
A little suspicious.
Very suspicious.
SPEAKER_01 (42:07):
Yeah.
I even saw some stuff about ithere in California, and it's
always positioned as it's thisoptional thing that is going to
be more convenient and all ofthat.
But there's always anotheragenda.
So you want to make sure youknow what the other agendas are.
SPEAKER_00 (42:22):
Yeah.
And to that point, it has beengetting kind of presented like,
let's first roll it out as a wayto protect kids.
Let's roll out this digital IDto protect kids.
Who wouldn't want to protectkids?
Well, if you can get everybodyto agree, yeah, let's do that,
then it's just a matter of timebefore they roll it out to
everybody else.
That's kind of how they geteverybody on the same page.
(42:46):
And it's pretty terrifyingbecause they present it as
something that you would think anormal person would think, like,
yeah, that is beneficial toprotect my child, but they don't
know like their actual long-termagenda.
SPEAKER_01 (42:59):
Yeah.
You know, what also comes tomind when you say that is just
we live in a place ofconvenience and we just
naturally I think people aregood people.
And so you think that everythingis for the good and there's the
benefits, but we've stoppedasking questions.
We've stopped doing research,we've stopped asking questions,
we've stopped wondering, do Iactually have a choice in this
(43:22):
versus just growing up and doingwhat everybody else around us is
doing.
And of course, like anybodywants to be a good mom and
protect their kid or protect thehealth of others, right?
But you gotta, you gotta uh takea couple more steps to really
look in, uh, I think personally.
SPEAKER_00 (43:40):
Well, yeah, and like I have children and I can
monitor what they're doingonline.
I don't need them to havedigital IDs, and so it's like it
is just about convenience.
It's like, oh, well, let's justsign up for this and then we
don't have to worry aboutmonitoring our kids.
And it's like, I would rather bethe one monitoring my child over
the government or somebody else,you know?
SPEAKER_01 (44:02):
Yeah, yeah, absolutely, absolutely.
You know what's best for yourkid.
Yeah.
Yeah.
And then in the US specifically,there was the Genius Act.
So that would be something foreveryone to go look up.
But that was signed into law inJuly.
And so it's not something thathas been positioned as a
(44:23):
mandatory thing yet.
But the the way the US ispositioning it is America's
gonna become the crypto capitalof the world, but it's really
the first US regulated systemfor stablecoins.
So basically, like the samething as the CBDC situation.
The reason it's so genius isthat instead of just being
backed by dollars, it's alsogonna be backed by debt.
(44:46):
So it's going to be forcingeveryone is actually buying
debt, which is going to solvethe debt situation.
Uh, so it's just like it'sreally interesting.
And I don't know how I reallydon't know how this is going to
play out because I think they'realso intentionally devaluing the
dollar.
And like there's a lot ofdifferent, so bigger banks will
(45:08):
have a lot of cash and money inthe banks, and they're depending
on like the what what the Fedwants to do with the money
supply, they it's determined ifthey can put that money out into
society or not.
So there's a lot of moneysitting on the sidelines, and it
sounds like what they're gonnado is they're gonna allow that
(45:28):
money to go into the stablecoins, which then is just going
to devalue the dollar and whichwill also devalue the debt.
And so in my mind, this is alsojust a reason for people to
invest in hard assets, numberone, like gold and silver,
(45:50):
because the purpose of that isfor value stability and a hedge
against inflation.
So if there's a lot more moneyand it's being devalued, that's
basically the opposite ofinflation.
And then, you know, having thatautonomy over your money, having
some digital currencies orwhatever be that way too, where
you also, again, you're separatefrom the, you know, a
(46:14):
controlling organization, Ithink is also really important.
SPEAKER_00 (46:19):
Yeah.
Wow, I hadn't heard that yet.
Yeah.
So that's where we can just likestart taking ways to have like
sovereignty over our own money.
SPEAKER_01 (46:32):
Yeah, absolutely.
Absolutely.
I think that like in so ininvesting, you've probably heard
the term diversification.
So you want to create adiversified portfolio.
You want to make sure that youknow your portfolio is set up in
a way where you are managingrisk, but also getting returns
that can satisfy your long-termneeds.
(46:55):
I like to think aboutdiversification in like my money
situation in general.
And so if we just think aboutthese potential, you know, this
potential digital ID stable coinsituation and also potential of
the devaluation of the dollar,it's kind of like having some
money in all these separateareas.
(47:17):
Um, because like number one,cash makes sense.
Because if uh like, for example,if the internet goes down or
your credit card is expired,right?
And you need to pay someone,cash is great for that.
If there, if it becomes asituation where people are like
(47:37):
forced to go to the system,there's gonna be people that who
don't want to do that andthey're gonna be using cash.
So that's something to consider.
And then like gold and silverphysically is great because
that's separate, that's truesovereignty.
Um, and also if I don't know ifthere's an internet connection
issue to having some physicaland then also having some crypto
(48:01):
on the blockchain is great too,because that's separate.
I think kind of likediversifying that way and
thinking about it in a way ofhow can I prepare myself for
these different situations towhere I know that I'm gonna be
okay and not let this wholesituation drive you into fear
(48:23):
because I mean, history hasshown that we've gone through a
lot.
There's been a lot of differentfinancial changes, things like
this.
So the world's not gonna endbecause of this.
We got to just keep moving.
And then, you know, I thinkstill obviously keeping some
money in the system makes sensetoo, right?
Because that's how we operateday to day, and we don't know
how this all is going to playout either.
SPEAKER_00 (48:45):
Right.
And that's why I was so excitedto have you on, because I felt
myself going into a little bitof fear and just not
understanding how it all works.
So, like I love how you broke itall out and even just sharing
with the history of money how itevolved, like crypto isn't that
(49:07):
much different than you know,than how it started.
So I think that's just soimportant is to educate
ourselves and not let fear andyou know, worry about what could
happen is just like the morethat we can educate ourselves,
the more we'll be able to besovereign, basically.
Yeah, absolutely.
SPEAKER_01 (49:27):
And I think the problem with the fear too, and
thinking and really thinkingsomething's going to play out,
is you could also miss out onopportunities for growth.
So, one example, when I startedhearing about this stuff, I got
in fear.
There was a point where I sold alarge portion of my investments,
(49:48):
and then I got the hit to maybekeep some money in my
investments because I don'tactually know how this is gonna
play out.
And I did, and they've grownquite significantly since.
And it's it's just kind of likethis thing where if you plan
like Murphy's Law, right?
You plan for something, and thenhow's it going?
The worst case scenario justhappens, basically.
(50:09):
And so I was thinking, well, ifI move some money to to like
silver and gold, if I have somein crypto and then I have some
in stocks, that to me feelsreally good.
I feel like I'm set up for thebest case in all the worst case,
basically, without having toknow the future.
SPEAKER_00 (50:28):
Yeah, no, I yeah, I agree.
And so that would be like a goodtakeaway for people is to do
some research, but then alsodiversify between those
different types that you spokeabout today.
SPEAKER_01 (50:43):
Yeah, consider diversifying.
And also, I would say reallytune inward too with this
because you can listen.
There are so many people online.
This is one of my pet peevesabout the financial space.
There's somebody online talkingabout something, and then
there's equal amount of peopletalking about the opposite.
(51:05):
There are people talking aboutthere's this huge market crash,
like in stocks coming.
There's other people that arelike, that's not actually how
this reset's gonna happen.
It's actually where stocks aregoing to explode because of this
and because of the devaluation.
So it's it's like there are somany experts talking about
conflicting things.
(51:25):
And even though someone is areally great expert, they will
admit, if they're a good one,that they've been wrong before
and vice versa.
So I think regardless, you haveto tune in and figure out what
feels best for you and why youare making the financial moves
that you're making.
And you want to do it from aplace of empowerment, not a
(51:45):
place of I need to do this toprotect my money because
otherwise I'm just gonna loseeverything and my life's gonna
be over.
It's no, you're gonna be fine,you're a resourceful human
being.
And what can you do just to adda little bit of a layer of
protection or even get aheadtoo?
Because the other thing is ifthere is a crash, an actual
(52:08):
crash, that is one of the besttimes to invest and to make
money long term.
So there's a lot of differentways that you can play this,
really.
SPEAKER_00 (52:17):
Yeah.
And I think, well, for those ofyou who listen, you'll know what
reflections are.
But I noticed I was kind ofletting this get to me because I
started having a lot ofreflections around blind being
blindsided.
And I realized, oh, I'm feelinglike I'm gonna be blindsided.
And that's when I startedthinking, okay, I just need to
(52:38):
understand.
I need to have someone likeNicole come on and just break it
down and share the information,right?
And so there are so many, somany things that you can do
right now to just like prepare,just like you're saying.
And I think one thing I didn'tquite understand is even, and
you know, this is a totallydifferent topic, but I didn't
(52:58):
even understand how the FederalReserve was created.
Like I didn't really startresearching that and
understanding that untilrecently, you know, and it's
like there's so much there thatI guarantee most people don't
also know the history of likethe Federal Reserve, how it was
all started, all of that.
SPEAKER_01 (53:15):
Yeah.
Yeah.
There's a really good book thatit's one of the only books that
I read start to finish, but it'son Bitcoin and blockchain, and
then it also talks about thehistory of money.
So it's called The Basics ofBitcoins and Blockchains.
Oh, okay.
It's a great book.
It is, there's definitely a lotof technical parts to it, but it
(53:35):
can help just understand thathistory in more depth and also
understand blockchain andcryptocurrency in more depth
too.
So if you guys want to go deeperwith that, I would definitely
suggest that book.
I would suggest doing someresearch on the Genius Act,
digital IDs, just kind of inkeeping up to date with what is
(53:58):
going on with where you livespecifically too.
Because especially in the US,sounds like all of this is being
rolled out on a state-to-statebasis.
I do not see every single statehere doing this, but I there are
states that are definitely doingthis.
So it's just being in the knowand and keep and staying
informed.
Yeah, exactly.
SPEAKER_00 (54:19):
And if somebody wants to learn more from you,
where can they find you?
And like what do you have?
I know you have master classes,all of that.
So if you could share that aswell.
SPEAKER_01 (54:30):
Yes, thank you.
I'd love to.
Okay.
So what I have going on rightnow, I have an investing mastery
program that I will be kickingoff again in February.
So it's a step-by-step programwhere I take women through a
process to confidently startinvesting across stocks and
other alternative assets like wetalked about today, so that you
(54:53):
feel good about setting yourselfup financially long term.
So that is kind of the mainthing I have going on.
And then I also offer privatesessions, both on the financial
strategy side as well asintuitively tapping in your
energy, identifying the blocksin the way of creating and
building wealth.
And then uh something I alsooffer is free calls with me.
(55:14):
So if you're new to my communityand are just not quite sure what
you need, where to go, that is ano pressure call to really just
dive in and figure out what thebest next step is for you.
So that is what I suggest.
I'm also on Instagram atSheinvestor, and then I have a
personal account as well at theNicole Chesa.
Instagram has been a thing.
(55:36):
I just how do I position myself?
What are we what are we focusingon here?
But two places you can connectwith me.
So that is that is that.
SPEAKER_00 (55:46):
Okay, perfect.
Is there anything else that wedidn't cover that we had talked
about covering before?
SPEAKER_01 (55:52):
I think that's everything.
Yeah, we talked aboutalternative assets, the world
stuff, how to purchase, purchasecryptocurrency.
Okay, I will share one otherthing that I think could be a
really good investment, and thatis XRP.
And just in a nutshell, XRP isanother top cryptocurrency, so a
(56:15):
lot of people holding money init.
And that is essentially thetechnology that looks like it's
replacing the Swift network.
So that could be a reallygame-changing thing right there,
too.
So if you are looking intoinvesting in cryptocurrency,
that could be something as wellto look into in addition to
(56:35):
Bitcoin and Ethereum.
SPEAKER_00 (56:37):
Okay, awesome.
And yeah, I feel like I have alot to go research as well.
SPEAKER_01 (56:45):
So much.
One thing at a time, though.
One thing at a time.
There's always an opportunity.
So nobody's behind, nobody needsto freak out.
Everything is going to be okay.
SPEAKER_00 (56:57):
Yeah.
Oh, well, thank you so much forcoming on and just explaining
this.
It's so, and I love how neutraland just very knowledgeable you
are because that is going to bethe leaders now going forward,
or like I can just see peoplewho are just neutral and are
just sharing information, youknow, not trying to convince
(57:19):
people of one thing or theother.
It's just like this is theinformation and like using your
intuition to, you know, usediscernment.
SPEAKER_01 (57:27):
So absolutely.
Well, I appreciate you having meand allowing me to share this
knowledge with your audience.
Love your energy, love whatyou're doing, and this has been
really amazing.
SPEAKER_00 (57:39):
Yeah, thank you.
Thank you for listening toUnveiled.
I always love hearing yourtakeaways.
So please connect with me onInstagram at Angela Murray
Christian and feel free to tagme when you share it with your
friends.
Every single review matters, andit helps me reach more people
(58:00):
who want to improve this world.
If you leave a review, let meknow and I'll send you a little
thank you gift.
Any resources mentioned in theshow will be linked in the show
notes, sending you all love.
Welcome to Unveiled, the podcast.
I'm your host, Angela Christian,and I help you with unveiling
your true self by peeling awaythe layers that society placed
on you.
I do this with a combination ofneuroscience, energetics, and
ancient spiritual wisdom.
I went from underpaid andoverworked in corporate America
to launching a six-figurecompany that continues to grow.
(00:27):
I went from toxic relationshipsto being happy and single for
over a year as I worked andcontinue to work on becoming the
best version of myself and somuch more.
My greatest passion is to helpwomen and mothers heal,
transform, and become thehighest versions of themselves.
As I continue to grow and expandmy intuitive knowledge and
unique wisdom, I'll be includingyou on my journey to millions.
(00:50):
So let's get into it.
Today I have an exciting guestcoming on, Nicole Chesa.
Nicole and I met at Guided LightHealing, which, as most of you
know, that is where I've beenstudying for over a year and a
(01:14):
half at this point.
Nicole and I met in my veryfirst class there, and it was
her first class as well.
As some of you know, if you'vebeen listening to the podcast,
I've been experiencingreflections around this whole
concern with digital ID, what todo with our money, all of that.
And part of how I always addressfear is realizing that there's
(01:37):
just missing pieces ofinformation that I kind of need
to fill in, and that will helpneutralize it.
So I asked Nicole to come on andkind of address all of this, and
it really put my mind at ease.
I actually left the conversationfeeling excited to go check out
these alternative opportunitiesthat some I didn't even know
(01:59):
about.
I hope you'll enjoy ourconversation as much as I did
and definitely share it withanyone who could benefit.
So let's dive in.
All right.
Well, thank you so much, Nicole,for being here.
I'm really excited to dive intoall of these topics.
Thank you, Angela.
I am so excited as well.
Yeah.
So if you could just share a bitabout your background, both
(02:23):
finance, intuitive, how you cameto be in both worlds.
I would love to hear that.
SPEAKER_01 (02:29):
Yes.
And I think this definitelydeserves a story because it is
two different things that seemvery separate.
So hi everyone.
Like Angela said, my name'sNicole.
I run a brand called SheInvestor and I'm a financial
coach, educator, and then alsotrained in intuition as well.
My big thing is really to helpwomen build confidence with
(02:51):
money, uh, invest and justcreate financial freedom both
from the inside and out.
So my background grew up on theEast Coast, small town
Pennsylvania, very normal EastCoast life where you're kind of
put in this trajectory of gottago to school, you got to work
hard, and it's gonna be hard.
And then eventually you're gonnakind of have like money, retire,
(03:13):
that whole thing.
And it was interesting becausefrom an early stage, I just felt
like life was meant to be moreexpansive than that.
And I didn't want to, I guess,work a job that I felt like I
should be working just for thesake of making money.
And so I did that though.
(03:34):
I started out in sales.
And as soon as I started thatcareer and was making some
money, I started heavilyresearching like what it how can
I make other sources of income?
What is it that wealthy peopledo?
Why are they wealthy and all ofthat?
And that's where I foundinvesting and specifically
through the stock market anddifferent financial assets like
(03:56):
that is one of the mostefficient ways to build wealth
long term.
And so what I did, I took thatinformation and I built my own
investment portfolio that's setup to take care of me long term.
And then I just became obsessedwith it.
I went back to school, I got mymaster's in finance, and then I
worked as an analyst in investorrelations for a bit.
(04:18):
And so, through thatprofessional experience, I then
learned that there was a big gapwith women and money and decided
that I'd actually like to helpwomen have the same advantages
that those that work on WallStreet do.
So I left corporate, started mybusiness, and then ran into
challenges starting my ownbusiness because I realized like
(04:39):
finance is not just or successand wealth isn't just numbers.
It's very much tied to emotionsand your energy.
Angela, you know all about this,obviously.
And then that's where you and Imet.
So I came across Al in theguided light healing community
and started working with him andthrough some of his programs and
(05:00):
realized that yes, like money isso much more than just numbers.
It's your emotions, it's yourbeliefs, it's how you think and
feel about yourself.
And the other thing was thatthrough my experience with
investing, I had started tradingas well.
So trading stocks, tradingoptions, which is a little bit
more of like a risky investingstrategy per se.
(05:21):
And what I did was I kept atrading journal.
And I noticed that anytime therewas a trade, I would, you know,
look at all the differentfactors.
And then before I would placethe trade, I would tune inward
and be like, does this feel likethis is gonna go well?
And every time that I was notemotional, there was like this
(05:42):
inner knowing that like this wasjust gonna work out.
And so, like nine times out of10, it would be a profitable
trade.
And then as soon as I'd have allthese like profitable trades,
I'd be like, okay, like I knowthis next trade is gonna go
well.
I would get emotional, I wouldbet bigger, and then it would
just kind of come back to squareone.
But what I learned through thatwas like tuning inward and
(06:03):
trusting my intuition thathelped me make better decisions
with my money.
And so now I'm playing aroundwith like actually using my
intuition to more strategicallysee how different investments
are gonna play out.
And it's been, it's been reallyfascinating how it works.
But uh, long story short, now Ireally combine financial
(06:26):
strategy with money energeticsand intuitive guidance to give
my clients the the bestadvantages with their money.
So that is my story in anutshell.
SPEAKER_00 (06:36):
Yeah, I love that so much.
And I know I think the firstclass we were in was financial
mastery.
I think we were in thattogether.
SPEAKER_01 (06:44):
Yes, it was.
I remember you in there becauseyou used to be a CFO, right?
SPEAKER_00 (06:48):
Yeah, so I still have a few CFO clients.
So I'm still kind of in bothworlds as well.
So yeah, it is interestingbecause it's like I kind of like
having the very logical side oflike accounting and finance, and
then the very like energeticside as well.
I feel like it's a good balance.
So it is, and the law balance,right?
SPEAKER_01 (07:08):
And we live in a three-day world, so we do need
it.
SPEAKER_00 (07:11):
Yeah, exactly.
Yeah, and so I know we have sometopics we're going to touch on
today, and I would love for youto just start with like the
history of money.
Yes.
SPEAKER_01 (07:23):
I do want to share like a quick financial
disclaimer since we are talkingabout investments.
I have to throw this out there.
So everything we're talkingabout is for informational and
educational purposes.
It's uh should not be construedas financial advice.
Okay, perfect.
Now, all right.
So, yeah, so we're talking aboutalternative assets,
(07:44):
cryptocurrencies, what'shappening in the economy.
And I remember whenever I firstlearned about Bitcoin and
cryptocurrencies, it was justlike really hard for my brain to
wrap itself around, like, okay,well, we have cash, and then now
all of a sudden there's justlike this made-up money on the
internet.
It's just like I don'tunderstand it, it doesn't make
(08:05):
sense.
I think a lot of people feelthis way.
And then when I startedresearching the history of
money, it actually does makesense, at least to me, and seems
like there's a real uh use casefor it.
So the first part of money waskind of like built on this thing
of mutual trust and bartering.
So there were communities, andall communities help each other
(08:28):
out.
So you did something for me, Ido something for you.
And if there wasn't somethingthat could be done in exchange,
it was looked at as an IOU orkind of like a debt.
Okay.
And then bartering was more sowhen there was someone you
didn't know passing through oranother community, or you
weren't sure if they were goingto be able to fulfill that
(08:51):
exchange, then you would forsomething to exchange at that
time versus like an IOU or adebt.
Now, obviously, there's aproblem if there can't be an
exchange, right?
And so the solution to that wasan intermediary asset, which is
money.
And that's where commodity cameinto the picture.
(09:13):
So a physical means of moneythat is like a temporary
placeholder of value.
So most commonly, that'sphysical money like gold and
silver.
And these have been used forthousands of years as actual
money, but have also maintainedtheir value.
So, still to this day, peoplehold gold, hold silver, and can
(09:36):
use it as money in differentsituations.
And the nice thing about this isthat there's no third party.
So you and I can exchange gold,silver, whatever it is.
This is like an example of truesovereignty with your money.
And that's one of the reasons Ilove physical gold and silver.
More on that to come.
(09:57):
And so then there becamerepresentative money, okay?
And that is a claim on anunderlying thing.
So think about like a paper notethat you could then go and
exchange for something like goldand silver.
So it's a right to claim anunderlying asset, but you don't
(10:18):
have to actually go and exchangeit right away.
You could also like sell it tosomeone else, and vice versa.
And what that did was providemore convenience instead of
carrying around like heavy coinsall the time.
So that was kind of like thenext step up.
And then we moved into this eraof fiat currency, which is what
(10:39):
we have today.
So the dollars, and they arecompletely delinked from
anything valuable.
So there's technically no valuein and of itself, and it's not
backed by anything except thefact that it's declared by law
as legal tender.
So it has to be accepted or itcan be accepted for things like
(11:02):
debt when you're buyingsomething, but more importantly,
for tax payment.
So if the government is like,this is the form of money that
we accept tax payments through,and everybody has to pay taxes,
then everybody is going to adoptthat currency because they're
gonna need some of that to paytaxes.
So that is where currency camein.
(11:26):
And it's yeah, it's kind of likefunny because if you think about
it, it's just, you know, it'sit's paper, they print it all
the time.
Like it's just, but it hasvalue.
So, so that is fiat currency.
Now, the benefit of this, right,is that we can pay people
directly.
The deal is done, it'speer-to-peer with cash.
(11:47):
There doesn't have to be like abank involved, right?
Especially if you're in person,you know, I can just pay you for
a service or vice versa.
And then we would individuallykeep record of that.
So if I go to the grocery store,pay cash, I get a receipt that I
paid.
And then they keep record ofthat on their system and
internal database.
So that is, you know, how cashworks.
(12:10):
And then we can go and put thatin the bank, which is like the
digital form of cash.
And then if we do that, and ifwe transfer money through our
bank or pay something using ourcredit card, debit card, then
that transaction is recordedthrough the bank or through that
service provider, like PayPal,through your credit card
(12:30):
company, whatever it is.
Okay.
And so now that third, there's athird party involved handling
that transaction, which isobviously helpful because if
somebody is across the countryon the other side of the world
or only works online, you can't,you're not just gonna like go
there and give them cash, right?
The bank is a great way to makepayments, right?
(12:53):
So that is the let's just saythe banking system in a
nutshell.
And every bank has its ownprivate ledger of recording.
So if you think about like allthese banks spread out,
everything is individual andseparate.
There's no like insight to allof it as a whole.
And so that brings me toBitcoin.
(13:14):
And so Bitcoin, it's the world'sfirst cryptocurrency.
So think of like the digitalcoins that were developed
through technology.
And I just I have to like, Ijust want to laugh whenever I'm
talking about this becausesometimes it just sounds so
crazy.
But but it is really cool.
Okay, so its whole purpose is tolet you send and receive money
(13:38):
to and from anyone, regardlesswhere they are in the world,
with just a computer, aninternet connection, and does
not need uh the involvement of athird party to facilitate that
transaction.
So it's built on this reallycool technology that is designed
(14:00):
to record ownership andtransactions in and of itself,
provide security, and thenprocess like payments all on its
own.
So it's like this public thingwhere all of these transactions
are listed, a public recordkeeping system is really what it
(14:21):
is.
And then you can send paymentsuser-to-user, which is more can
be more efficient if you'resending money to someone across
the country and just kind ofgives you more sovereignty as
well with your money.
So it's really cool in the waythat that works.
SPEAKER_00 (14:37):
Yeah, it's funny because a few years ago I was
buying something online and youwould get a discount if you used
Bitcoin.
And so I purchased Bitcoin.
I had to like Google how to doit, and then I ended up
purchasing too much, so I justhad like$50 in my Bitcoin and I
couldn't figure out how to cashit out.
(14:58):
Now it's worth worth like$300,and I didn't even add anything
to it.
I'm like, gosh, if I had justlike invested a little bit more,
you know, it was like it was anaccidental investment, but like
I'm just letting it stay there.
So yeah, let it stay therelonger.
SPEAKER_01 (15:15):
Yeah, too.
Yeah, it it that's funny too.
I remember when I was incollege, actually in my
undergrad, because I I wasstudying, it was called
Management Information Systems.
So it was kind of a pretty techfocused business degree, but
there was a bunch of kids in mymajor who were buying Bitcoin at
the time.
I was like, I really want to buysome too.
And it seems so complicated atthat time how to do it.
(15:37):
And I do remember buying some acouple years after that, but
then I had sold it because Ijust didn't know what it was
going to do today.
But we always wish that, youknow, we did things years ago,
but that's the way that is,right?
Yeah, so that's Bitcoin and acouple other like points here
that are really cool is like itanybody can buy it, and like
(16:00):
regardless of your credit score,status, whatever, it's just
really like a public accessibleform of money for anyone, which
is pretty cool.
And then let's see here now.
Through okay, so through thetechnology that it was built on
blockchain, there can be other,so other cryptocurrencies can be
(16:26):
built on that too.
So you've probably seen if youfollow this at all, like there
seems like there's likethousands of other digital
coins, and they are, and it'scool, but it's also it can be,
you need to have a little bit ofdiscernment with what you decide
to buy too, because this iswhere you'll see all these like
pump and dump scams or memecoins.
(16:46):
And there, there's just a lot ofhonestly, like scams out there
with cryptocurrency.
But one of the so the nextbiggest one, the next biggest
one is called Ether or Ethereum.
And so I want to talk about thisone too, because this will help
under like explain how thistechnology can, it's like money,
(17:08):
but you can also do things withit.
And it's really like redefiningthe way that we work with money.
So it's really redefining thewhole financial system.
So with Ethereum, like ifBitcoin is a flip phone, its
whole purpose is literally justto send and receive money, like
send and receive text messages.
Ethereum is like a smartphone,so it's not just money, but it
(17:32):
allows you to have apps on it.
So it's programmable.
Yeah.
Wow, I didn't know that.
Yes.
So it's a programmableblockchain that essentially like
one of the main things it doesis it allows for this
decentralized finance.
And what that means is like, solike Bitcoin is the digital way
(17:58):
of cash, sending cash to people,whereas decentralized finance is
like digitizing your investmentsor lending or borrowing or
trading.
So it's almost like imagine thatI have a stock and now it's a
digital form, which is called atoken.
And then you and I could liketrade stocks back and forth
(18:18):
directly versus going throughlike the moneymaker who handles
all of that.
So that is essentially how thatworks.
And another kind of way to lookat this is if you needed to get
like a if you wanted to take outlike a home equity line of
credit on your home, but youwere in a credit situation where
(18:41):
you couldn't do that, you couldtokenize your home and allow
people to take ownership,partial ownership of your home.
You could then use that moneyfor what you need.
And then as the home goes up invalue, and if you sold the home,
right, the the people owning thetokens would, you know, profit
(19:02):
off of that, or they could sellit to other people, or you could
buy it back.
So that's basically what theEthereum technology then allows
you to do, which is really,really cool.
So you can like tokenize prettymuch anything, it sounds like
with this technology.
SPEAKER_00 (19:17):
Wow, I had no idea.
That is wild.
Yeah.
And so if somebody's new tothis, I I heard someone say this
the other day.
Is how risky is it like thatsomeone could, like a hacker,
could like hack thisinformation?
I've heard it's pretty safe, butI would love to hear your take.
SPEAKER_01 (19:37):
Yeah, the blockchain itself.
So the research that I've done,I want to say it's it's
definitely no more riskier thanthe current banking system and
internet is.
Because all of that is alsobuilt on software and
technology.
And how bit the blockchain isbuilt underneath is like there's
(20:00):
it's almost like there, there'sall these different computers
that are so spread out that goesthrough all these different
checkpoints.
And there's so many that it'sbasically impossible to hack the
actual technology because of howit was designed.
But what is risky is thepotential to lose your Bitcoin
(20:23):
if it's stored on like anexchange or something like that.
So that is definitely, yeah.
So there's a couple ways to uhpurchase cryptocurrency.
And one of the most common waysis through it's called a
centralized exchange.
So it's like it's basically likean online broker for crypto.
(20:48):
So where Fidelity is an onlinebroker for stocks and bonds and
other financial securities,crypto exchanges are that for
crypto.
So Coinbase is a big one,crypto.com, Kraken, Binance,
there's a bunch.
And with this, it's really easyto buy it.
It's it's legitimate, it's alegitimate way to buy
(21:09):
cryptocurrency.
The the problem or the thechallenge there is that for you
to really truly own yourcryptocurrency, there is a
private key associated with it.
And the exchanges hold yourprivate keys whenever you buy.
(21:31):
And so if that exchange getshacked, then technically they
could steal the hackers, couldsteal your crypto.
And I've seen this happen topeople.
The other thing that hadactually happened to me was I
bought crypto through anexchange like this, and I just
(21:55):
kept it on the platform.
And then that company had lentout some of the money to another
company that then defaulted onthat loan.
At the same time, crypto wasgoing down, so everyone was
trying to withdraw their moneyand they froze everything, so
nobody could get their money andthey went bankrupt.
(22:17):
So that was a whole thing.
Fortunately, though, there wasanother company that then came
in, and so they've paid out themajority of it, but it still was
like a very frustrating thingbecause that's a very real
scenario that could happen.
SPEAKER_00 (22:31):
Yeah.
Okay, so I didn't know that.
So it would this be like what Altalks about with like Ledger.
Is that what it's called?
SPEAKER_01 (22:39):
Like the little so yeah, so that's different.
So okay, yeah.
So Ledger, and then there'sanother one that's really good,
uh, Trezor, the T-R-E-Z-O-R.
Those are what are called coldhard wallets and they're stored
completely offline.
Okay.
So your crypto, when you buy thecrypto, it's on the blockchain.
(23:02):
And then the wallet, the coldwallet, it's a physical device.
The physical device is whatstores the private key.
Okay.
And so that's the safest option.
And then what's great too islike if you use lose a device,
there is a passphrase where youcan get a new device, put that
in and get it back.
So it's kind of like a nicesafety mechanism.
(23:25):
Yeah.
But if you lose that passphaseand you lose a device, then
there that's going to be aproblem.
So you want to make sure thatyou have that written somewhere,
saved somewhere, saved inmultiple places, broken up in
multiple places.
Yeah.
Especially if you are, if it'sgrowing, if you have a lot of
(23:45):
money in there, you definitelydon't want to skip out on taking
the extra steps to make surethat it is indeed secure.
SPEAKER_00 (23:54):
Yeah.
Okay.
And so if you have money onlike, so I think mine's just on
like the Bitcoin app.
Okay.
So can you, if someone has it onlike the Bitcoin app, can you
transfer it to like a ledger orthe other one that you had
mentioned?
Yes.
SPEAKER_01 (24:10):
Yeah.
So you would essentially you'dhave a wallet through the the
the wallet, and you would justsend it to that Bitcoin wallet
through that device.
So you can just directlytransfer it, which would be
easy.
And then the other thing you cando too, at least with Ledger, I
know, is you can actually buycrypto directly through your
(24:33):
bank account to the ledgerdevice.
So it comes with like a an appthat facilitates that
transaction.
So while that app is connectedto the internet, your device
still needs to approve anytransactions.
And so it keeps everything safethat way.
So that's the other way that youcould buy it as well directly to
(24:55):
the cold wallet.
SPEAKER_00 (24:56):
Oh, okay.
SPEAKER_01 (24:57):
And so you said that's like the safest way or
yeah, that that's the safe, thesafest way to store it would be
in the cold wallet.
Um, it seems like to me, it'sit's fine either way.
If you're gonna buy it throughuh one of the exchanges like
Coinbase, it's prettystraightforward to buy it and
(25:19):
then transfer, but also throughthe actual device too in the
interface, you just connect yourbank account basically and then
transfer it and and pay.
There's there is like a apayment service provider that
basically like the only way Ican describe it is converts the
dollars into digital currency.
(25:41):
So there kind of is like itseems like a couple of steps
with that buying process, butthat yeah, you can you can
purchase it either way.
Okay.
SPEAKER_00 (25:50):
And so Bitcoin and Ethereum, are those like the two
top ones, would you say?
SPEAKER_01 (25:57):
Or yeah, they're the two top ones.
They are the most popular ones,they're the ones that have the
most money in them as well.
The other thing that's reallyinteresting to note is that the
US government is the secondlargest holder of Bitcoin now as
well.
Wow.
So if they're involved insomething, yeah, like okay, they
(26:18):
want it to go well, but it'salso scary because you they have
a lot of power over the price,too.
SPEAKER_00 (26:24):
Oh, I see.
Yeah, because I think when Ipurchased, I don't think that
was the case.
SPEAKER_01 (26:29):
Was is that something new that they they've
been buying more and more?
And because the problem isbecause it's not regulated, it's
not, and because it's not backedby something either.
So, like stocks are backed bycompanies, your mortgage is
backed by your house.
I mean, the dollar though reallyisn't backed by anything.
(26:50):
So there's that.
But because it's not backed bysomething physical in the
finance world, it's notconsidered an actual investment
or asset.
And yeah, so so that's kind ofthe big debate.
But now it seems like there'smore understanding around it.
They're working on a way tocreate a regulated form of it,
(27:13):
their own, and you know, allthose things.
So the more people that get onboard with it, utilize it,
accept it, the the more theprice will drive up with this
stuff.
So okay.
SPEAKER_00 (27:28):
Yeah, okay.
So from here, you can tell mewhere you want to go, but
something that has been just onmy mind a lot, and I know of a
lot of people's mind is thiswhole digital, uh, digital ID,
digital currency, the CBD, C D BDs, and like how we can protect
ourselves and like safeinvestments.
(27:50):
And I know you can't give like,you know, financial advice, but
just like generally speaking,like I've been trying to invest
in actual gold and silverrecently.
I know there's uh also you hadshared with me privately that
there's is it called it's like acoin backed by gold.
Like wherever you want to takethis, I would love to just touch
on those things.
Like I didn't even know therewas a coin, like a digital coin
(28:12):
you could purchase backed bygold.
So like, yeah, I'm sure I'm notthe only one that didn't know
that.
SPEAKER_01 (28:17):
So yeah, I mean, that's something really cool.
Yeah, we can touch on thatfirst, and then we could take a
step back and just I would loveto address the debt situation
because that really honestlyties into this whole CBDC and
digital ID situation.
And it it it honestly makessense.
So yeah, the stable coins, allstable coins are for anyone who
(28:39):
hasn't heard of this termbefore, it's also a
cryptocurrency, but it'sdesigned to maintain a stable
value.
And the way that happens isbeing pegged to something
physical outside of theblockchain one-to-one.
So there is a US dollar stablecoin.
And so for every uh stable coinyou own, there is a uh one
(29:04):
dollar in reserve physically.
So that's how that works.
And then other countries do thistoo.
So there are stable coins forthe euro, the British pound,
Australian dollar, and others aswell.
But the whole thing is that it'syou know one-to-one.
So think of it as if you buy auh USD stable coin, then it's
(29:25):
kind of like the same thing asjust putting money in a savings
account.
It's not gonna change in value.
Okay.
That makes sense.
So that's how that works.
And then there are stable coinspegged to both gold and silver.
And I recently researched thesemore, and I kind of like this
(29:45):
throughout more than thephysical storage of gold and
silver.
So there's two companies.
So there is a gold one calledPaxos P A X G is the, I guess,
cryptocurrency.
Ticker, let's call it.
And so this one it's pegged togold.
And when you buy it, you alsoown a physical ounce of gold
(30:10):
that's stored in a vault thatyou could actually redeem it for
if you want.
But you also don't have to paystorage fees because how the
blockchain is designed, thosecosts are kind of taken care of
collectively through any uh liketransaction fees of buying and
selling.
So, like I could, you could, ifyou buy Paxos, I could buy it
(30:32):
from you, you could sell it fromme, you know, vice versa.
So it's kind of a nice way toget in and out of something
versus like having it physicallyshipped to your house or
physically shipping it back orpaying storage fees as well and
premiums on the price.
So the the stable coin situationfor this helps offset those
(30:56):
costs, which is cool.
And then the same thing withthis silver one.
So it's K-A-G, it's a companycalled Kinesis Money and same
situation.
So it's stored in a vault.
You can get it physical if youwant, but you can also just hold
the coin and buy and sell it ifyou want.
So it's it's it's really I thinkit's really unique.
I really like both of them.
SPEAKER_00 (31:16):
Yeah.
No, I love that.
And do those, do they have anykind of like, you know, our
money is supposed to be FDIC?
Is there any kind of assurance?
Like, what if someone broke inthere and stole all the gold or
silver or something?
SPEAKER_01 (31:30):
Like, do you know if there's I'm pretty sure the gold
one is whenever I looked.
I know there was something whereit was insured.
And then for the silver, I wantto say yes because I I know when
I was looking at these, I'm veryparticular at what I'm willing
to put my money in.
And I was considering putting mymoney in this kinesis one.
(31:56):
But I want to say yes.
I would just say look at thewebsite, do some research first,
just to double verify that.
But I do know because I was alsolooking at this, like if their
company essentially went downbecause these coins are still on
the blockchain, you would stillown it.
SPEAKER_00 (32:16):
Oh, okay.
So you still own the physicalgold or silver.
SPEAKER_01 (32:20):
Yeah.
Yeah.
You'd still like own like thetokened tokenized version of it
that you can redeem forphysical.
And then you would just need tofind like a new interface to
access it through, essentiallyif the their site or company
went down, essentially.
Okay.
Yeah, I like that.
That's very cool.
(32:41):
Yeah, it's it's reallyinteresting.
It's, I mean, it's still kind ofconfusing, right?
But yeah.
If you think about this in termsof physically owning it, you can
see how there is a little bitmore convenience.
And the alternative would be Imean, this is similar to a way
if you bought an ETF thattracked so like a stock fund
(33:06):
that tracked the price of goldand silver, you're capitalizing
on the price change, but you'renot actually owning the
underlying physical gold in thatsense.
So this is kind of like youcould think of it as an ETF for
gold and silver, but youactually own it physically as
well.
Yeah.
No, I love that.
(33:27):
Yeah.
Yeah, I do too.
I think I think that that partof this whole cryptocurrency
thing is really cool.
SPEAKER_00 (33:34):
Yeah.
I know because the thing withlike the like having the gold
and silver at home and just liketrying to track it, like track
the value, like when youpurchased it versus now.
It's I'm sure it's probablyeasier to do that on those sites
where it's like, yeah.
SPEAKER_01 (33:52):
Yeah, because you have that interface and it just
shows you what the current priceis and all of that.
And then yeah, it's easy tomake, you know, an exchange if
you if you need to.
SPEAKER_00 (34:03):
Yeah.
SPEAKER_01 (34:04):
Okay, very cool.
Yeah.
So that is stable coins, and wecan kind of go into the debt
crisis now.
Yeah.
All right.
So the big, big, big issue,especially in the US, which does
affect other countries, whichwe're seeing, is that we have a
huge debt problem.
(34:25):
So there's over$37 trillion indebt, which is about$1 trillion
in interest per month right now.
So basically a lot.
And debt isn't something new.
So in the past, you know, we'vehad debt.
We've had debt obviously for avery long time.
The federal government wouldjust raise the ceiling, meaning
it's okay that we have more.
(34:46):
They could raise taxes, theywould print money, or just issue
more debt and then use that topay down old debt.
But we've basically got to thisplace where we are spending, so
it's$2 trillion more than we'rebringing in.
And then now the government'sprinting money like crazy.
And that's also drivinginflation.
(35:08):
So if you think about this interms of a business, an
established business, this is ifthere was an established
business who was spending waymore than it was making, and all
of its expenses it was puttingon credit cards, maxing the
credit cards out.
And then when those are maxedout, it would get new credit
cards to use to pay off theinterest of the old credit
(35:29):
cards.
So it's just kind of like thisunsustainable cycle.
And that is how the governmentis running its business,
basically.
So yeah.
Yeah.
And now it's a problem becausewe need buy, so we need buyers
to help maintain the debt andpay it down.
(35:50):
A lot of this comes from othercountries.
A lot of countries will holdtheir reserves with the US in
debt because they get paidinterest, and we use the the US
as the reserve currency forinternational trade and whatnot.
And now there's two mainreasons.
So other countries are nowseeing how much we are printing
(36:11):
money.
And when you print money, thatcauses devaluation of the dollar
or inflation.
And so these countries are like,well, our money is getting
devalued here.
So we don't really know if thisis the best place to hold it.
There's been a ton of countriesbuying gold now for this reason,
also why gold has beenskyrocketing.
(36:31):
And then another thing thathappened was in 2022, uh, the US
froze Russian central bankassets of over 300 billion.
And this terrified other nationsbecause it was kind of like,
well, our money is safe in theUS, but it's only contingent
upon if we do what you want usto do.
So that also has been driving alot of countries to pull their
(36:55):
money out of the US and put inother places like gold.
And all this is uh pointing tois that the US dollar is just
losing faith in its ability tobe this stable currency.
And then the other thing is thatwe uh facilitate uh
(37:17):
international trade through a USsystem called SWIFT.
And these countries, so okay, sobecause of that, so because of
that, they're like, well, weneed a new system for
international trade, and thatcan be done through stable
coins, so it can be done throughdigital currency, but they want
(37:38):
these things to be stable so itdoesn't fluctuate like crazy
like Bitcoin does.
And that is really what is uhalluding to this whole C B D C
uh situation because so uh C B DC stands for central bank
digital currency, right?
(37:59):
And it's just like the digitalversion of the country's
currency.
So it's the stable coin, it's aregulated uh stable coin by the
issuing companies or sorry,issuing country.
And the benefits of that, like Imentioned, is they wouldn't need
to go through the Swift systemanymore.
They could go country tocountry, and then it's just also
(38:20):
a faster and cheaper way to makepayments.
So it does actually make sensein general as a new way to do
money.
But to have that and to have itregulated, there needs to be
some way to regulate that.
And what they are introducing isessentially a monitoring system,
(38:41):
the digital IDs where they youridentity and your biometric
system is a link to your money.
And this isn't anything like newper se, right?
Like there are different formsof this, like we use our face to
open our iPhone or at theairport.
Like there are different formsof this, but it can be a little
(39:01):
bit concerning when it's tied tomoney specifically.
SPEAKER_02 (39:05):
Right.
SPEAKER_01 (39:06):
And so the digital ID, it's just basically the
digital version of your physicalID.
So you can verify yourselfonline versus going in person
somewhere.
Best example of this is no moreDMV, which I think everybody can
agree, like that would be agreat benefit, right?
Like not having to go to theDMV.
But like there's huge, hugeconcerns for privacy and
(39:29):
surveillance because likeunderneath that is a system that
contains your biometricinformation and what is that
going to be used for?
And then as much as you'd liketo hope that the people in
charge of the financial systemsand central banks all have good
intent in mind, it's just notthe case.
(39:51):
Like that's just not how itworks.
And so if the wrong people gettheir hands on this stuff, that
could really cause somepotential issues of like
restriction or controlling offinancial assets, right?
Like if you don't comply withsomething or some law or
whatever we're putting out, thenwe're gonna freeze your funds.
(40:13):
It was kind of like the COVIDsituation.
If you don't get the COVID shot,then you can no longer keep your
job, which is absolutelyridiculous because it wasn't
mandatory.
And we live in a free country,and this is kind of like a
similar potential situation thatcould happen through this.
And that that's really the fear.
And then one last point here onthis is actually recently in
(40:35):
Vietnam, over 86 million bankaccounts were frozen overnight
due to a mandatory biometricverification, and half the
country didn't do it and lostaccess to their funds because
they didn't want to comply withthis new system.
So it's it's it, there areconcerns.
There are very legitimateconcerns.
SPEAKER_00 (40:56):
Yeah.
And I remember during 2020, Ithink is when I first learned
about, I think it was China, whothey were talking about doing
this like social credit score.
And they it was kind of similarwhere and they might have even
rolled it out, but where if youdon't comply with certain
things, like you have some kindof credit score and they can
(41:18):
freeze you out of your fundstoo.
And like back then everyone'slike, oh, that's conspiracy
theory.
And like now we're seeing itall, you know, come to light.
SPEAKER_01 (41:28):
Oh, yeah.
I I saw that that is alreadybeing, yeah, that either what
you're talking about or someform of that is being
implemented in China.
I believe same in India as well.
So it's just, yeah, it'sunfortunate.
unknown (41:42):
Yeah.
SPEAKER_00 (41:43):
Yeah.
And then I saw something theother day.
It was like over the last threemonths, so many countries all of
a sudden are rolling out thedigital ID.
It's like it's all happening.
And it's like, I don't thinkthat's a coincidence, just from
my perspective.
And like everybody just decidesto roll it out at the same time.
(42:04):
A little suspicious.
Very suspicious.
SPEAKER_01 (42:07):
Yeah.
I even saw some stuff about ithere in California, and it's
always positioned as it's thisoptional thing that is going to
be more convenient and all ofthat.
But there's always anotheragenda.
So you want to make sure youknow what the other agendas are.
SPEAKER_00 (42:22):
Yeah.
And to that point, it has beengetting kind of presented like,
let's first roll it out as a wayto protect kids.
Let's roll out this digital IDto protect kids.
Who wouldn't want to protectkids?
Well, if you can get everybodyto agree, yeah, let's do that,
then it's just a matter of timebefore they roll it out to
everybody else.
That's kind of how they geteverybody on the same page.
(42:46):
And it's pretty terrifyingbecause they present it as
something that you would think anormal person would think, like,
yeah, that is beneficial toprotect my child, but they don't
know like their actual long-termagenda.
SPEAKER_01 (42:59):
Yeah.
You know, what also comes tomind when you say that is just
we live in a place ofconvenience and we just
naturally I think people aregood people.
And so you think that everythingis for the good and there's the
benefits, but we've stoppedasking questions.
We've stopped doing research,we've stopped asking questions,
we've stopped wondering, do Iactually have a choice in this
(43:22):
versus just growing up and doingwhat everybody else around us is
doing.
And of course, like anybodywants to be a good mom and
protect their kid or protect thehealth of others, right?
But you gotta, you gotta uh takea couple more steps to really
look in, uh, I think personally.
SPEAKER_00 (43:40):
Well, yeah, and like I have children and I can
monitor what they're doingonline.
I don't need them to havedigital IDs, and so it's like it
is just about convenience.
It's like, oh, well, let's justsign up for this and then we
don't have to worry aboutmonitoring our kids.
And it's like, I would rather bethe one monitoring my child over
the government or somebody else,you know?
SPEAKER_01 (44:02):
Yeah, yeah, absolutely, absolutely.
You know what's best for yourkid.
Yeah.
Yeah.
And then in the US specifically,there was the Genius Act.
So that would be something foreveryone to go look up.
But that was signed into law inJuly.
And so it's not something thathas been positioned as a
(44:23):
mandatory thing yet.
But the the way the US ispositioning it is America's
gonna become the crypto capitalof the world, but it's really
the first US regulated systemfor stablecoins.
So basically, like the samething as the CBDC situation.
The reason it's so genius isthat instead of just being
backed by dollars, it's alsogonna be backed by debt.
(44:46):
So it's going to be forcingeveryone is actually buying
debt, which is going to solvethe debt situation.
Uh, so it's just like it'sreally interesting.
And I don't know how I reallydon't know how this is going to
play out because I think they'realso intentionally devaluing the
dollar.
And like there's a lot ofdifferent, so bigger banks will
(45:08):
have a lot of cash and money inthe banks, and they're depending
on like the what what the Fedwants to do with the money
supply, they it's determined ifthey can put that money out into
society or not.
So there's a lot of moneysitting on the sidelines, and it
sounds like what they're gonnado is they're gonna allow that
(45:28):
money to go into the stablecoins, which then is just going
to devalue the dollar and whichwill also devalue the debt.
And so in my mind, this is alsojust a reason for people to
invest in hard assets, numberone, like gold and silver,
(45:50):
because the purpose of that isfor value stability and a hedge
against inflation.
So if there's a lot more moneyand it's being devalued, that's
basically the opposite ofinflation.
And then, you know, having thatautonomy over your money, having
some digital currencies orwhatever be that way too, where
you also, again, you're separatefrom the, you know, a
(46:14):
controlling organization, Ithink is also really important.
SPEAKER_00 (46:19):
Yeah.
Wow, I hadn't heard that yet.
Yeah.
So that's where we can just likestart taking ways to have like
sovereignty over our own money.
SPEAKER_01 (46:32):
Yeah, absolutely.
Absolutely.
I think that like in so ininvesting, you've probably heard
the term diversification.
So you want to create adiversified portfolio.
You want to make sure that youknow your portfolio is set up in
a way where you are managingrisk, but also getting returns
that can satisfy your long-termneeds.
(46:55):
I like to think aboutdiversification in like my money
situation in general.
And so if we just think aboutthese potential, you know, this
potential digital ID stable coinsituation and also potential of
the devaluation of the dollar,it's kind of like having some
money in all these separateareas.
(47:17):
Um, because like number one,cash makes sense.
Because if uh like, for example,if the internet goes down or
your credit card is expired,right?
And you need to pay someone,cash is great for that.
If there, if it becomes asituation where people are like
(47:37):
forced to go to the system,there's gonna be people that who
don't want to do that andthey're gonna be using cash.
So that's something to consider.
And then like gold and silverphysically is great because
that's separate, that's truesovereignty.
Um, and also if I don't know ifthere's an internet connection
issue to having some physicaland then also having some crypto
(48:01):
on the blockchain is great too,because that's separate.
I think kind of likediversifying that way and
thinking about it in a way ofhow can I prepare myself for
these different situations towhere I know that I'm gonna be
okay and not let this wholesituation drive you into fear
(48:23):
because I mean, history hasshown that we've gone through a
lot.
There's been a lot of differentfinancial changes, things like
this.
So the world's not gonna endbecause of this.
We got to just keep moving.
And then, you know, I thinkstill obviously keeping some
money in the system makes sensetoo, right?
Because that's how we operateday to day, and we don't know
how this all is going to playout either.
SPEAKER_00 (48:45):
Right.
And that's why I was so excitedto have you on, because I felt
myself going into a little bitof fear and just not
understanding how it all works.
So, like I love how you broke itall out and even just sharing
with the history of money how itevolved, like crypto isn't that
(49:07):
much different than you know,than how it started.
So I think that's just soimportant is to educate
ourselves and not let fear andyou know, worry about what could
happen is just like the morethat we can educate ourselves,
the more we'll be able to besovereign, basically.
Yeah, absolutely.
SPEAKER_01 (49:27):
And I think the problem with the fear too, and
thinking and really thinkingsomething's going to play out,
is you could also miss out onopportunities for growth.
So, one example, when I startedhearing about this stuff, I got
in fear.
There was a point where I sold alarge portion of my investments,
(49:48):
and then I got the hit to maybekeep some money in my
investments because I don'tactually know how this is gonna
play out.
And I did, and they've grownquite significantly since.
And it's it's just kind of likethis thing where if you plan
like Murphy's Law, right?
You plan for something, and thenhow's it going?
The worst case scenario justhappens, basically.
(50:09):
And so I was thinking, well, ifI move some money to to like
silver and gold, if I have somein crypto and then I have some
in stocks, that to me feelsreally good.
I feel like I'm set up for thebest case in all the worst case,
basically, without having toknow the future.
SPEAKER_00 (50:28):
Yeah, no, I yeah, I agree.
And so that would be like a goodtakeaway for people is to do
some research, but then alsodiversify between those
different types that you spokeabout today.
SPEAKER_01 (50:43):
Yeah, consider diversifying.
And also, I would say reallytune inward too with this
because you can listen.
There are so many people online.
This is one of my pet peevesabout the financial space.
There's somebody online talkingabout something, and then
there's equal amount of peopletalking about the opposite.
(51:05):
There are people talking aboutthere's this huge market crash,
like in stocks coming.
There's other people that arelike, that's not actually how
this reset's gonna happen.
It's actually where stocks aregoing to explode because of this
and because of the devaluation.
So it's it's like there are somany experts talking about
conflicting things.
(51:25):
And even though someone is areally great expert, they will
admit, if they're a good one,that they've been wrong before
and vice versa.
So I think regardless, you haveto tune in and figure out what
feels best for you and why youare making the financial moves
that you're making.
And you want to do it from aplace of empowerment, not a
(51:45):
place of I need to do this toprotect my money because
otherwise I'm just gonna loseeverything and my life's gonna
be over.
It's no, you're gonna be fine,you're a resourceful human
being.
And what can you do just to adda little bit of a layer of
protection or even get aheadtoo?
Because the other thing is ifthere is a crash, an actual
(52:08):
crash, that is one of the besttimes to invest and to make
money long term.
So there's a lot of differentways that you can play this,
really.
SPEAKER_00 (52:17):
Yeah.
And I think, well, for those ofyou who listen, you'll know what
reflections are.
But I noticed I was kind ofletting this get to me because I
started having a lot ofreflections around blind being
blindsided.
And I realized, oh, I'm feelinglike I'm gonna be blindsided.
And that's when I startedthinking, okay, I just need to
(52:38):
understand.
I need to have someone likeNicole come on and just break it
down and share the information,right?
And so there are so many, somany things that you can do
right now to just like prepare,just like you're saying.
And I think one thing I didn'tquite understand is even, and
you know, this is a totallydifferent topic, but I didn't
(52:58):
even understand how the FederalReserve was created.
Like I didn't really startresearching that and
understanding that untilrecently, you know, and it's
like there's so much there thatI guarantee most people don't
also know the history of likethe Federal Reserve, how it was
all started, all of that.
SPEAKER_01 (53:15):
Yeah.
Yeah.
There's a really good book thatit's one of the only books that
I read start to finish, but it'son Bitcoin and blockchain, and
then it also talks about thehistory of money.
So it's called The Basics ofBitcoins and Blockchains.
Oh, okay.
It's a great book.
It is, there's definitely a lotof technical parts to it, but it
(53:35):
can help just understand thathistory in more depth and also
understand blockchain andcryptocurrency in more depth
too.
So if you guys want to go deeperwith that, I would definitely
suggest that book.
I would suggest doing someresearch on the Genius Act,
digital IDs, just kind of inkeeping up to date with what is
(53:58):
going on with where you livespecifically too.
Because especially in the US,sounds like all of this is being
rolled out on a state-to-statebasis.
I do not see every single statehere doing this, but I there are
states that are definitely doingthis.
So it's just being in the knowand and keep and staying
informed.
Yeah, exactly.
SPEAKER_00 (54:19):
And if somebody wants to learn more from you,
where can they find you?
And like what do you have?
I know you have master classes,all of that.
So if you could share that aswell.
SPEAKER_01 (54:30):
Yes, thank you.
I'd love to.
Okay.
So what I have going on rightnow, I have an investing mastery
program that I will be kickingoff again in February.
So it's a step-by-step programwhere I take women through a
process to confidently startinvesting across stocks and
other alternative assets like wetalked about today, so that you
(54:53):
feel good about setting yourselfup financially long term.
So that is kind of the mainthing I have going on.
And then I also offer privatesessions, both on the financial
strategy side as well asintuitively tapping in your
energy, identifying the blocksin the way of creating and
building wealth.
And then uh something I alsooffer is free calls with me.
(55:14):
So if you're new to my communityand are just not quite sure what
you need, where to go, that is ano pressure call to really just
dive in and figure out what thebest next step is for you.
So that is what I suggest.
I'm also on Instagram atSheinvestor, and then I have a
personal account as well at theNicole Chesa.
Instagram has been a thing.
(55:36):
I just how do I position myself?
What are we what are we focusingon here?
But two places you can connectwith me.
So that is that is that.
SPEAKER_00 (55:46):
Okay, perfect.
Is there anything else that wedidn't cover that we had talked
about covering before?
SPEAKER_01 (55:52):
I think that's everything.
Yeah, we talked aboutalternative assets, the world
stuff, how to purchase, purchasecryptocurrency.
Okay, I will share one otherthing that I think could be a
really good investment, and thatis XRP.
And just in a nutshell, XRP isanother top cryptocurrency, so a
(56:15):
lot of people holding money init.
And that is essentially thetechnology that looks like it's
replacing the Swift network.
So that could be a reallygame-changing thing right there,
too.
So if you are looking intoinvesting in cryptocurrency,
that could be something as wellto look into in addition to
(56:35):
Bitcoin and Ethereum.
SPEAKER_00 (56:37):
Okay, awesome.
And yeah, I feel like I have alot to go research as well.
SPEAKER_01 (56:45):
So much.
One thing at a time, though.
One thing at a time.
There's always an opportunity.
So nobody's behind, nobody needsto freak out.
Everything is going to be okay.
SPEAKER_00 (56:57):
Yeah.
Oh, well, thank you so much forcoming on and just explaining
this.
It's so, and I love how neutraland just very knowledgeable you
are because that is going to bethe leaders now going forward,
or like I can just see peoplewho are just neutral and are
just sharing information, youknow, not trying to convince
(57:19):
people of one thing or theother.
It's just like this is theinformation and like using your
intuition to, you know, usediscernment.
SPEAKER_01 (57:27):
So absolutely.
Well, I appreciate you having meand allowing me to share this
knowledge with your audience.
Love your energy, love whatyou're doing, and this has been
really amazing.
SPEAKER_00 (57:39):
Yeah, thank you.
Thank you for listening toUnveiled.
I always love hearing yourtakeaways.
So please connect with me onInstagram at Angela Murray
Christian and feel free to tagme when you share it with your
friends.
Every single review matters, andit helps me reach more people
(58:00):
who want to improve this world.
If you leave a review, let meknow and I'll send you a little
thank you gift.
Any resources mentioned in theshow will be linked in the show
notes, sending you all love.
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