“Is Your Credit Card Debt Even Real? Tommy Kilpatrick Says ‘Prove It.’”

What if that mountain of credit card debt... isn't actually yours to repay? Tony hosts Tommy Kilpatrick, who challenges the legitimacy of bank-issued credit and why it might be more "alleged liability" than legal obligation. From contract law to consumer protection blind spots, this episode delivers eye-opening insight for anyone questioning the system.

Perfect for truth-seekers, legal skeptics, and debt-weary listeners ready to think twice.

Episode Transcript

Speaker 1 (00:00):
Our foundering fathers here in this country, brought about the
only true revolution that has ever taken place in man's history.
Evolve the idea that you and I have within ourselves,
the god given right and the ability to determine our
own destiny.

Speaker 2 (00:15):
The United States of America the greatest nation in history,
ordained by our founders to be guided by divine providence,
but today we are witnessing the orchestrated disintegration of America.
Take a few seconds and take a look around your town,
your state, look at your country and your world, and

(00:39):
boldly ask what in the hell is going on?

Speaker 1 (00:43):
Freedom is never more than one generation away from extinction.
We didn't pass it on to our children in the bloodstream.
The only way they can inherit the freedom we have
known is if we fight for it, protect it, defend it,
and then hand it to them with the well taught
lessons of how they in their lifetime. Let's do the same.

Speaker 2 (01:02):
Welcome to the podcast Project Third I opened, where we
dare to question with boldness the events that are unfolding
around us that others won't. At the end of the day,
it is we the people who will decide the destiny
of the Nation. Now introducing your host, Tony Elle.

Speaker 3 (01:32):
Teens, gree teens, griteens. Everyone.

Speaker 4 (01:36):
This is another special presentation of Project that I Open.
I am Tony L and I am I have a
guest today, a very interesting guest that I think.

Speaker 3 (01:47):
Y'all will really really enjoy.

Speaker 4 (01:50):
His name is Tommy, not Thomas, not tom Tommy Kirkpatrick,
and he don't if you're familiar with the term, is
that he has espetuated. I believe it's the official term
to Philippines, of all places. His background was his The

(02:12):
interesting story that caught my eye is that he went
to war against the banks.

Speaker 3 (02:19):
When to say he won, I want to say he lost.

Speaker 4 (02:23):
I think his story is very interesting because of what
he learned maybe and what he has tried to share
with as many people with ears to listen in eyes
to see. He he went against the banks. He claimed
that the banks were in violation of Federal bank rules

(02:48):
that failed to get a promisary note required before any
bank where issue loan. So apparently he got a loan
from the bank, and the bank, according to him, then
followed rules. He cited even Supreme Court cases, which is
pretty addressing.

Speaker 3 (03:06):
Again, he didn't win.

Speaker 4 (03:08):
He didn't lose, but he claims that the bank had
no contractual agreement with him. Tommy, tell the folks more
about you, and many interesting cases such as.

Speaker 5 (03:19):
That, Well, thank you very much, I Bouck. In two
thousand and four, I was given a infomercial contract because
I had written a book on health and healing. I
was test marketed on radio stations and it was going
to go for about six months. So I lived on
my credit cards for those six months, and I was

(03:41):
promised to make about one hundred thousand dollars a month,
and so things were going great with great response. And
then one of the other talents he got in trouble
with the FTC because he made claims of his weight
loss in his book, and so the FTC came down
hard on him, him and a company, and so the

(04:02):
company canceled all the new talent. So even though I
had a thirteen page contract that my attorney father in
law had developed and designed and everything was ironclad, you
can't you can't make them pay. So I ended up
with eighty five thousand dollars of credit card debt and

(04:23):
that kind of put me in a tailspin. So for
about a month I could even look at the sun.
In a sense. I was just so depressed. And then
it dawned on me because my dad was a CPA
and I was in school to be a CPA, that
it realized that the bank had never provided any goods
or services to me and didn't have an invoice. So

(04:46):
an invoice is what business used to change each other
that you owe them money, so they didn't have that.
Then I got to think, well, then they're going to
say they loaned me money. Okay, But I remember reading
and the the Modern Money Mechanics. It was one of
our books that we had to read in banking class
in accounting, and its stead right there on page six

(05:08):
and I'll send that to you as a show note clip.
So it says right there that the bank what they
do is they accept promisory notes, and what they basically
do is write numbers into your checking account. So that's
how they create loans, is that you signed a promisory
note first, then they write numbers in the bank. So

(05:29):
that's how the whole thing started. And I went to
federal court because I listened to some people on the
early YouTube and the guy was bragging about how easy
it was to go to federal court in Texas. So
I decided to fillow three federal lawsuits in Los Angeles
against the banks. In my complaint, I explained everything. I

(05:52):
laid it all out, so the bank knew. I knew
that they were pulling a scam, and we were getting
close to getting depositions because I was going after him
very hard about a date when I could depose one
of their employees who would say I actually owed money.
And then all of a sudden I was called into
court and a judge raked me over the coals. He

(06:13):
was not friendly at all. He said, do you have
a credit card? I said, well, well, no, it's a
gift card. He says, you know, tell me pull out
your mister Kilpatrick, you pull out your credit card right
now to your wallach, which I did. He says, read
right there on it, he says, credit card. So he
made me look like a fool. I said, well, well
let me let me start from the beginning. Oh we'll
get to that later. Now, did you use your card?

(06:35):
So he led me down the path and I looked
like an idiot, and he said case dismissed, and then
I walked out of the courtroom. I going, well, that was.
That wasn't very fun. But thirty days later I looked
at my credit port and all three of those accounts
are off my credit port. I never got a ten
ninety nine C. And that is when a bank loans

(06:57):
you money and you don't pay them back, they then
notify the I R S that you have again you
have gotten money that you didn't actually earn, but you've
got like a wage, so you now owe taxes on it.
The bank is to do a tax deduction, so it's
very important for them to issue these ten ninety ninety
c especially on this bank issued alleged credit card debt,

(07:20):
so they can get their money so they can pay
less taxes, so they make a big bonus on this.
So I never got a ten ninety ninety C and
it was off my credit cord. So yeah, I lost
in court, but I won in essence. So that's what
got started. So you don't need to believe me. I'm
a doubting Thomas, and I sent you. I'll send you
some links so that your audience can look it up themselves,

(07:43):
and I encourage you to send your audience to send
this to their CPA desert of my public accountant and
have them look at this podcast and what I'm saying,
and they'll have you. They'll have their own CPA tell
you that I'm spot on. I'm exactly right. One, the
bank never has an invoice, so they can't ask you

(08:05):
for any charges. Two, they never made a loan because
they never had you signed a promise right note. And
three when you use the card, you agree to their
terms and conditions. And that's where the Supreme Court has
ruled over and over again that fraud undoes all contracts.
So you can have an attorney write a letter saying

(08:26):
there was never any contractual agreement with you in the bank.
So those are my base of my arguments there. And
I'm saying you can nuke your credit card debt.

Speaker 4 (08:40):
But people are not getting going to go through what
you went through. One ding thing at the money, two
thing at the stones for it, and three thing at
a time, and maybe before they don't have to believe.
I think you can start from the beginning, we start
at the end. You had the belief that this is

(09:01):
even possible, I sided against flush your curiosity.

Speaker 5 (09:09):
Uh.

Speaker 4 (09:09):
Secondly, you've been a CPA, but I've heard stories of CPA.
So even people who have to work for the irs
trying to say that you don't have to file taxes
and they get slammed. But in many cases it's not

(09:34):
necessary what the court says, but what the court does.
Like in your instance, they said get out of here.
But what they did they watched the state clean. So
the average individual look hear in your case you said, one,
I ain't got the stones to do this. Two what's

(09:55):
the likelihood of again they reaching the same conclusion or
outcome if they try to shout to the system and
can they afford.

Speaker 3 (10:16):
You there? Do you lose you?

Speaker 5 (10:21):
Well, the tye spot is that language is law and
law is language. So if you say you have a debt,
you've got a debt and you can't get out of it,
you're going to the court or you're approaching the bank
saying I have a debt, you certainly do and you
can't get out of it. But there's an important difference between. Well,

(10:41):
what you want to do is start off by asking
about the alleged. So that's what I'm saying is that
when you watch the TV and there's a bank robber,
the news always says it's an alleged bank robber. So
all you do is start saying this is an alleged debt,
and that starts it on the other side. Now the
bank has to proved that they have an invoice or

(11:03):
a copy of the promise ory note. So that's how
do you can tell the difference between the legitimate credit
card and a false one is very simple. Let's say
you go to a tire store or any kind of
a business and you buy their product and you tell
them I don't have any money right now. They say, oh,

(11:24):
why don't you apply for an in store credit card,
and if you get approved, then great, And sure enough
you get approved. Well, great, you get the tires, and
so they're up and running. You're doing great. And they
have an invoice. They have the date they have the tires,
the size, the excise tax, the sales tax, the cost

(11:47):
it does to put it on the balancing. They have
all the charges clearly laid out on an invoice. And
you get a statement and they have an invoice, so
you have to pay that one. Now, all I do
is look on the back of your credit card. If
it says let's say a Walmart or Amazon or a

(12:09):
department store. If it says issued by Bank of America
City Bank, well as far ago. It could be Lloyd's
of London, it could be any kind of a bank,
Deutsche Bank, any bank around the world. If it's issued
by a bank, then that's a phony one. So that's
the easiest way to find out what card do you
have to pay and which ones you don't have to pay.

Speaker 6 (12:31):
So bank neverde business services.

Speaker 5 (12:38):
Well what happens is that a see the bank has
never produced good just never provides you goods of services.
So they did not sell you their tires, They did
not put tires on your car. So when you say
alleged and now we want to say bank issued alleged

(13:00):
credit card. See, that's very important thing. Now we're differentiating
credit cards from bank issued and the ones that are
real store. So if it's a store and they sow
they did maybe a service for you, then you owe
them the money. But if it's a bank, then that's
completely different. So that's where we can then say, well,

(13:21):
they loan you the money. Well, before we go with
that direction, we have to both agree right now that
if you ask the bank for an invoice, could they
provide you an invoice for any of the charges they're demanding. No,
they don't have it, and all the merchants have been paid.
So what banks are It's all about loans, okay. So

(13:45):
if you go into a bank with no money in
your pocket, you expect to come out with money. And
that's with a loan. Okay. So if you apply for
a bank loan and you're denied, do you still get
the loan? No, you don't the loan. You're denied. So
if you're approved for a loan, then what do you do.
You've got to fill out loan documents. You have to

(14:08):
provide proof that you can pay them back. You have
to have some kind of income from a paste up
or some annuity or your Social Security check or something
approves you have money coming in. You also have to
provide collateral. You're putting up the car, you're putting up
the house, or something. For a personal loan, you've got
to put something up that they can confiscate to get

(14:31):
back and motivates you to pay. The other thing they
need is a credit report to show your history, and
your credit score determines the interest rate. And the last
thing you have to do is sign a promisory note.
That's the most critical part and that's the only way
a bank can give you money to write a number

(14:53):
into your check and account is how they do that
is by having you first sign a promisory note, then
they write numbers into the account. So they do not
take a depositor's money. Because when you put money into
a bank, then you're making a deposit. You're opening a
checking account or a savings account that is actually alone.

(15:17):
You are loaning the bank money. The bank cannot take
that money and loan somebody else. So it's totally right
there in the in the modern mechanics and what I
send you, it says right there that they can't do that.

Speaker 4 (15:30):
So this way, if I I note this dude is
in the Philippines. That's why sometimes there's there's a delay.
Just lets you all know he's in the Philippines. Right
now he's talking to us in the Philippines. So you're saying,
when I put money in the bank, it's alone, I'm
loaning them money and my money. You know, where is

(15:53):
it written that I can see that what I'm putting
in the bank it's not my money is it's not
my money to stay there? So when I turn back
around and get it, where is it saying that it's
a loan.

Speaker 5 (16:06):
That'll be my first link I send to you. And
it's very simple. It's on a website, allegal website, a
legal illegal website that explains there that you do not
make a deposit, that these are loans to the bank,
and they do not loan out other people's money back
to you. So the only way they can do this

(16:27):
is for you to sign a promissory note first. Now
they know that you're gonna be paying them in the
Federal Reserve notes. And it's not some crazy wacko sovereignty
kind of bills of exchange and that kind of stuff.
This is just and this happens because I figured it
out from my accounting classes. You mentioned that I was

(16:49):
a CPA. I never went for the certificate, so but
I can do the work. But so so, what you
do is how you knew your bank issued alleged credit
card is to write a letter to the bank ask
him to close your free checking account.

Speaker 4 (17:12):
Your free checking account, right, so your advocating people to
not have chicking accounts.

Speaker 5 (17:22):
No, no, no. If you want to eliminate your bank
issued alleged credit card dead, all you had to do
is write a letter to the bank ask him to
close your free checking account that's associated with that card.

Speaker 7 (17:37):
Okay, okay, okay, now we wait, wait wait, wait, wait,
you gotta go.

Speaker 5 (17:42):
Wait as I can, time is out right. Explain it
to you. Let me explain it to you. Okay. So
the bank tries to get customers. It's always advertising trying
to get you as a customer. Now, in the olden days,
they would give you a toaster or a wall clock,
something maybe like that. So I actually saw an ad

(18:03):
in the paper many years ago that said, come to
our bank, deposit twenty five dollars and in ninety days
we'll match it. And so after ninety one days, I
went to the bank, took out fifty dollars and closed
the account. Now, let me ask you a question. Did
I rip off the bank? Did I steal from the bank?

Speaker 3 (18:27):
No, no, no, no no no.

Speaker 5 (18:29):
That was their deal. If you came in and deposit
twenty five they would match it. But she had to
hold up for ninety days. So ninety one days I
went and took the money out. I didn't want an account.
I just wanted the twenty five dollars for free. So
that is a guy, and that's my third link. I
will send to you. There's a guy on YouTube that
says I have made three hundred and sixty one dollars

(18:51):
for free. Folks. All you do is you find these
banks who say deposit money, we'll match it, and you
just wait it out and then close the account and
take the money. So he's promoting what happened to you you.
Let's say received a five hundred dollars credit card in
the mail. I would call it a gift card because

(19:13):
you applied for a card, they accepted you, and they
sent you. They gave you a card. When you give
a gift to somebody, that's called a gift card. So
my argument is that the bank sent you a gift
card to get you as a customer. So what did
you do with your five hundred dollars gift card? Well,

(19:35):
let's say you went to a home depot or a
type of a hardware store and bought a toilet, let's
say a five hundred dollar golden throne. So as you're
watching and you can show them your receipt. So am

(19:56):
I going to get a bill? Am I going to
get an invoice from that hardware store in thirty days?

Speaker 3 (20:02):
No?

Speaker 5 (20:03):
No, because they were paid that night or the day,
which is fine. So I have evidence and proof that
I paid for that toilet. That toilet's mine. Now, at
the end of the month, you get a statement and
they make it look like it's a bill. But let
me think I ask you a question. When you have
a normal checking account and you get your monthly statement,

(20:25):
is that a bill?

Speaker 3 (20:27):
No?

Speaker 5 (20:28):
No, it's not a bill. It shows you how much money.

Speaker 6 (20:31):
You Oh, oh, so that's not a bill at all.

Speaker 5 (21:00):
So this credit card is not a bill either.

Speaker 4 (21:03):
Could you back up because you left this four minutes,
so could you back up to where you talking about
the bill?

Speaker 5 (21:14):
Yes, So you receive an invoice, Uh, it's part of
it where it might so the the the hardware store
will not send you a bill because they were paid.
You get a statement at the end of the month,
and you think it's a bill. So when you get

(21:35):
a normal checking account and you get a statement at
the end of the month, is that a bill.

Speaker 3 (21:40):
No?

Speaker 5 (21:41):
No, It shows your beginning balance, your deposits, your transactions,
and shows your ending balance. The same thing is with
your credit card. You think it's a bill, but it's not.
So you, as a good person, were convinced fraudulently by
the bank that they gave you a loan. So you've

(22:04):
spent the five hundred dollars and you feel obliged to
pay them back, so you wrote a check out to
the bank for five hundred dollars. That was the first
time the bank ever got any money from you. Now,
remember when you give the bank money, that's a loan.
So you loaned the bank five hundred dollars. They put

(22:25):
that in the account associated with that gift card. So
the minute you put money into the bank, that gift
card turned into a debit card. Okay, so every purchase
since then has been with your own money. You keep
paying the bank at the end of the month, but

(22:46):
you're filling up your free checking account. So as you
keep filling it up, you keep using it. But if
you don't fill it up fast enough or high enough,
then they charge you interest, late fees, annual fees. All
this for a free checking account. So this argument is valid.

(23:07):
It's actually one percent accounting principles that no one has
thought of of because no one ever took them to
court and discovered it worked. So it does work.

Speaker 4 (23:17):
Well, I want to say nobody has thought of it,
but you keep emphasizing bank card. What about Amax? What
about UH American Express? Just this does does the same
rules apply?

Speaker 5 (23:34):
Yes, if you I'm actually asking to look at like
an Amazon card or a Walmart or department store, the
Amax and the City Bank and the UH Visa MasterCards
all those are the city once. So yeah, any of

(23:55):
those bank are going to be bank issued cards. So
if it's a department store, look on that back. And
if it says Bank of America, City Bank, Wells far Ago,
it's a phony one. That's someone you can UH ask
to close the check and account.

Speaker 3 (24:12):
So is a X Is that a phony card?

Speaker 5 (24:16):
Yes, because it's all it's all with fake housels. Uh,
they're not. They didn't. They didn't issue you a they
didn't provide the goods and services, and they're number was alone.
They don't have a promisory note. All you can do

(24:37):
is ask them for an invoice and a promisory note.
If they don't have those, then you don't have a death.

Speaker 4 (24:46):
An invoice and a promisary note. So what about people
who advertise them?

Speaker 3 (24:51):
Question?

Speaker 8 (24:51):
You've seen this title fifteen if familiar with that title fifteen,
right right?

Speaker 4 (25:06):
Banking the banking coach like they they failed out this
whole uh this document saying that.

Speaker 3 (25:15):
According to I think fair credit and.

Speaker 4 (25:18):
Lending that that they didn't follow they do this, do that, whatever,
or they can't prove that they got permission, just whatever.
I guess you're you're going to a totally different route
and seemed to be more successful though I've heard people
have had success challenging based on the fair debt and

(25:42):
lending that, but that.

Speaker 3 (25:44):
Aside doing.

Speaker 4 (25:49):
Tenney though un not c p A and you don't
play one, but you're very knowledgeable about what CPAs do.
How difficult is that a person, because you miss your
banks send in ten nine nine c's. How difficult is

(26:12):
it for individual to send in ten nine nine seeds
or ten nine nine a's of ten nine nine bs?

Speaker 3 (26:19):
Is it easy?

Speaker 5 (26:21):
Is it?

Speaker 4 (26:21):
Is it something that only a professional can do? Is
it only that institutions can do? Spend the whole issue
with people doing ten nine nines?

Speaker 5 (26:32):
Yeah, proposing is nothing like what you have said or
with the title fifteen or any other kind of let's
just call it a scheme to get out of your
debt mind, just very basic accounting principles. The ten ninety
nine is a notification to the IRS. So if you
hire somebody and you pay them more than six hundred dollars,

(26:54):
then it's advantageous to you to issue a ten ninety
nine A to them because you're going to be able
to deduct that after taxes. So if you do things
under the table, well then that's up to you. But
if you're above board and you're paying people more than
six hundred, it's better for you to fill out. So you,

(27:15):
as an employer, are going to fill that out and
send it to the IRS. The IRS matches that up
with that person who files their taxes, so that's what
they're always trying to do is match it up, so
it's not a person could issue a ten nine to
nine C. That's going to only be from a bank.
So the bank is telling the IRS, we loan this

(27:36):
person one hundred thousand dollars. They paid us nothing back,
so we want a deduction of one hundred thousand dollars
off our taxes. And that's the way the angle is.
So they tell the IRS that this person made one
hundred thousand dollars, go after them for the taxes, don't
come after us, and we get to deduct. So we
pay less taxes. So that's the reason for the ten
nine nine C from the bank's point of view.

Speaker 4 (27:58):
Okay, so it's individuals can can't do ten ninety nine
c's and maybe get some benefit for the money that's
that's that that they were loan, that they loaned to
the bank.

Speaker 5 (28:12):
Yeah no, yeah, that doesn't work that way. So it's
more like if you loan somebody money and they didn't
pay you back, then you could issue a ten nine
nine C. So it doesn't have to be just a bank.
It's just notifying the I R S that you loan
the money and they didn't pay you back, so they
got income, they got your money based.

Speaker 4 (28:33):
I guess I should start off for people may not
know what are we talking about? What is the ten
nine nine A, what is a ten nine ninety B,
and what is a ten nine ninety C.

Speaker 5 (28:45):
I'm not really off the top of my head able
to explain all those to you. So that's not my
early my my expertise.

Speaker 4 (28:52):
Okay, okay, I thought, so, so you just you just
go in look at the ten nine ninety c's.

Speaker 5 (28:59):
Well, it's it was in my federal lawsuit and I said,
if the bank issues a ten nine ene C. Then
I'm going to follow the form of thirty nine thirty
nine forty nine I think it is. And that's a
forum where you inform the IRS that there's some fraudulent
actions going on. So I told the bank, if they
issue me at ten nine nine C for this fraudulent loan,

(29:22):
that I'm going to notify the IRS. That's a fraudulent
ten and nine and C. And also I asked for
a person for an affidt of debt. I asked for
someone in the bank to swoar out that I actually
owed any money. And since the bank knew, and the
judge knew by reading my complaint, he knew that I knew.

(29:42):
So he had to end this lawsuit because he does
not want this to go forward because if it's in
the court records, then everybody could do it and then
it's become common knowledge. That's a big scam, a big ripoff,
because the banks on average make twenty three dollars and
four cents. I did a google without month ago. I said,
what's the average amount people pay to the bank, and

(30:05):
it's twenty three dollars and four cents. If a bank
has a million bank cards, they're making twenty three million
dollars a month, and I figured it out. They're making
about a fourth of their profit from charging people for
a free checking account. So they get you suckered in

(30:26):
through this gift card, they make you think you got credit,
they make you think you got a loan, and you
really didn't. And so what they did is they charged
you on average twenty three dollars and four cents for
a free checking account.

Speaker 3 (30:41):
Wow.

Speaker 4 (30:42):
Yeah, that's that's a pretty good racket. But based on
your experience, isn't the I mean, since you read model mechanics,
isn't the whole banking system a racket from from the
fit Reserve on Dow?

Speaker 5 (30:59):
Yes, it is. If you look into the history of
the Federal Reserve, we know that it was passed during
Christmas when the legislators really weren't there in Congress. They
were gone home, so it was passed behind the back.
We know about the jeckal Island and all that kind
of stuff. But in the beginning, the Federal Reserve did

(31:20):
not have control of the banks. Remember, they just got started.
So it took them until they had control of the
interest rate. When they jacked up the interest rate in
twenty nine and caused the depression and kept it going
by keeping the interest rates up. Their whole purpose was
to consolidate and control the banks, so in the beginning

(31:42):
they were just very marginal, but it took them many
years and then once in thirty three thirty four. If
you look at the history of our inflation rate, it
be flapped from the beginning of our country until nineteen
thirty three and went straight up. So it's the time
when they could not half see in the olden days,

(32:02):
they couldn't do this fractional banking system. So what they
do is they take your promissory note and they write
numbers into an account that is fiat money. That causes inflation.
When you have more dollars, then you have goods and
services than that raises the prices up. So that's what's
going on, and it's been going on ever since. So

(32:24):
it's from a federal reserve finally getting control of the
banks in thirty three that then they have the control
and of course the rothchilds own and run everything. So
why we go to war is because they're not part
of the central banking system. So Syria North Korea was
I ran before and then Iraq, so we go to

(32:45):
war to get them into the federal banking system worldwide.

Speaker 4 (32:51):
I want you to repeat for the folks in the
bleachers what causes inflation?

Speaker 5 (32:59):
Right? You have a scale, very simple scale, and so
if you have ten items and you have ten dollars,
then on average you have one dollar per item and
it's in balance. But all of a sudden, you have
someone that has ten dollars, then all of a sudd
there's twenty dollars, so all the prices have to double.

(33:21):
So that's the problem with a fractional banking system is
that you can create money out of thin air, and
you don't borrow it from someone else. You don't take
the money out of the economy and give it to
somebody else. It's not a shell game. This is creation.
So when you create more dollars than there are goods
and services than the prices rise. Back in the seventeen

(33:43):
hundreds in France, they asked Benjamin Franklin, why are you
so successful in your economy there of America? And he
explained that they had a script system. Then they would
what do you mean, Well, their money was not had
not no interest, so they had printed up very pretty paper.
People exchanged the paper because it was convenient. And when

(34:07):
let's say a tourist saw the dollar bill and said, oh,
that's very pretty. I like it like artwork. I'm gonna
take it home and put my scrapbook. That's fine. They're
buying script for a dollar and only koshia penny. It's
no big deal. So when the merchants didn't have enough script,
they took their dollars to city hall, let's say, and

(34:28):
exchange those dollars for script dollars. So the city hall
was just in exchange business. They weren't trying to make
any interest on it. If you look up the Federal
Reserve on we Wikipedia, which a lot of has a
lot of lives in there, but you've got to go
page or paid back back page six in there. If
I tells you that we pay six percent on every

(34:50):
single Feederal Reserve note, so Americans are always paying Even
if a billionaire lights of his cigar with one hundred
dollars bill, forever, we're gonna be paying six percent on
that bill that was burned. That's why the Federal Reserve
or the Treasury Department has this whole division of counting

(35:12):
of calculating how much burnt money can be exchanged. So
if you tear the bill in half, it's no problem
to get the full but if a quarter of it's
taken away, well then it's about three fourst returns. So
we're paying interest on whatever is not returned back to
the treasury to the Federal Reserve. So that's what we're
paying six percent on every single dollar basically every year.

Speaker 4 (35:37):
Well, the reason why I want you to repeat it
because I've always said that inflation is.

Speaker 3 (35:46):
More dollars chase and feel products.

Speaker 4 (35:51):
So when we go back and we look at quantum
tative easing, that was the flooding of our economy with
dollars created out of nothing.

Speaker 3 (36:02):
They're looking for a place to go.

Speaker 4 (36:05):
And what happened during COVID was the same thing both parties,
Trump and then buying this.

Speaker 3 (36:14):
This went cook with Coca pups.

Speaker 4 (36:17):
And then when you go back and look at Obama
and this isn't anything personal.

Speaker 3 (36:22):
It happened.

Speaker 4 (36:23):
The people did this thing, So I'm not I'm not
catching dispersions.

Speaker 3 (36:28):
They did this.

Speaker 4 (36:30):
And prices went through the roots, particularly with biting. And
I've always tried to tell people that with with inflation,
Inflation is not what people try to describe it as
you know, it just happens kind of thing. It's more
dollars being created out of nothing, chasing somebody to use them.

(36:56):
And man, people don't spend money, then that that's a problem,
or if they don't have anything to buy, which is
now because inflation is still high.

Speaker 3 (37:08):
It is lower now because the money has been spent.

Speaker 4 (37:13):
If it's the same money that came out doing Trump
first term and Biden.

Speaker 3 (37:19):
It's been used up. So infliction is gonna go down because.

Speaker 5 (37:24):
They got we got back to kind of an equilibrium.

Speaker 4 (37:27):
Right, exactly exactly, So people got to understand that inflation
is one. The value of the dollar is going down
because that they're more dollar in circulation, and dollar is
backed up by gold because it's not backed up by
anything else. So when you look at all those things,

(37:48):
when you flood the economy with more.

Speaker 3 (37:51):
Free your currencies that's not backed by anything, you're gonna
have a problem.

Speaker 5 (37:57):
Now back to your inflation, there is a an advantage.
You always ask the question kay bono, which is Latin
for who benefits? So think about this. When I was
married to a nurse, she had a student loan and
she had to pay one hundred dollars a month. She
was paid about fifteen dollars an hour when she got
out of nursing school, and so it took about seven

(38:20):
hours to make the money. So when she became a
much qualified nurse and ten years later, she was making
twenty dollars an hour, so it only took her five
hours to make the same payment. So it took her
less time because inflation gave her more wages. So that's

(38:41):
what you do when you know inflation is going to happen.
You borrow money now and then you invest it. You
make more money back, and so you're paying off your
loan with less effort. So there is a scam for
the wealthy and for people who went to know to
do something like that. So there isn't a teach to
keep the inflation going. Now, if you want to talk

(39:03):
about something.

Speaker 4 (39:03):
So is it too late for people to get in
because the place is so high?

Speaker 5 (39:09):
Uh, well, I'm just going to say there's the other
side of it, and that's called deflation. And it's only
happened about twice in this country. So it's not taught
in college. It's not taught. Most people have no idea
what deflation is like, but what's going on in China
right now is deflation And don't you get into a mindset. Well,

(39:30):
once you get into a mindset, yeah, what what they're there?
They did a bubble for their housing. All these people
invested all their money. Uh. With the Trump tariffs, it's
just shut down. They can't ship out anything. It's devastating
to that country. So they're gonna they're experiencing deflation. People

(39:50):
don't have the dollars and they they don't want to
buy anything. And they're noticing that now the stores there's
no buyers because they don't have any they don't want
to buy. It tends to get into a psychological thing.
So with deflation, you expect the price to continue to
go down. So why pay now, hold on to your

(40:11):
dollars as the price goes down, because you're gonna be
able to buy more next week. That's the opposite of inflation.
You want to get rid of your dollars now, make
more dollars later by having you know, strikes and asking
for more wages. Like I used to work at UPS
and we started about nine dollars on my left, like
about a year and a half later I was at thirteen,

(40:33):
we were getting cost of living in places all the
time because we couldn't keep up with inflation. So that
whole psychology gets into spend it now and get more
dollars later. With deflation, it's the opposite. You don't want
to spend hold your dollars because you're gonna become more
valuable over time. So we too are going to experience

(40:54):
that in the future. But you're looking at what's going
on right now with deflation'll be in China.

Speaker 3 (41:00):
How would you tell someone.

Speaker 4 (41:05):
Wanted to don't know anything about what we're talking about
how to learn about it? And if they kind of
know something about it, how can Because as I mentioned
many times in my presentation, a change is coming the
the the monetary system that we've been benefiting from due
to the event with the cause is given to come

(41:28):
to an end, a screeching in to a lot of
people who haven't been awake are paying attention, as you mentioned,
And what Trump, my humble opinion, is trying to do
is trying to get us in the position where the
brunt isn't so harsh as far as tell us, and

(41:48):
trying to get more things built here in the country
where there won't be that that that impact of products
coming into our country with inflation and the lower processing
power of the dollar. If you had the products are
we're made here, we ain't got worry about import tax

(42:09):
and all of that, or having to pay the difference
in the value of one currency compared to all the
psiated currency. But how would you tell educated person to
warn a person how they could put themselves in the
position where when it does come, they will be impacted
so negatively.

Speaker 5 (42:31):
That's a hard question because I have ever since I
grew up. I have the I R S as part
of my DNA because my dad's a CPA, So I've
always looked at everything through a tax point of view.
So I have studied things like limited partnerships and different

(42:51):
ways of sheltering income to avoid the taxes. But to
explain to someone who's like brand new, one thought of
me is Robert Prector, and he's the guy behind the
Elliott Wave theory, and he wrote a book called Sociognomics
that's sociology and economics. So his whole point, which I

(43:13):
agree with, is that people are moving emotionally, so the
FED does not set the interest rates they are always
trailing behind the market. The market is an emotional market.
It moves up and moves down. And it's not so
much that people are selling, it's just the buyers are
not there. So if buyers are there, the market goes up.

(43:35):
And that's kind of like a long term optimistic point
of view. But when it's short and it's sharp down,
that's the pessimism. And so if you go to the
website priced and that's past tense, priced in goold dot com.
You type up the Dow Jones and it will show

(43:57):
you the Dow Jones in gold, and it peaked in
two thousand, So the Dow is not up, it's not
forty thousand, it's way down and continuing to decline. I
look at copper, if you look at the spot price,
that's possible. What's that?

Speaker 3 (44:14):
What's that? What'side again?

Speaker 5 (44:17):
Price? And I'll send you a link. Priced is priced
as in past tense, priced in gold dot com and
it's got like about twenty or thirty different items, commodities
and things that you can click on. It will show
you the history of that price, but priced in gold.

(44:38):
So in the year two thousand, it's when we peaked
with the macharina. And I know it sounds silly, but
name me a song that was faster and more energetic
than a macharna and went around worldwide faster than the macharena.
And you stop and think nothing after that, and that

(45:00):
that's the peak. You had to have the entire world
on this bandwagon, on this roller coaster, going way up,
all excited, and now we're going down and people don't
see it because all they're looking at is the inflated dollars.
They're not looking at the dollars in gold. So when
you look at the Dow Jones, it's down and continuing

(45:20):
to go down. And I expected to finally bottom out
at about ninety eight, ninety six to ninety eight percent
of what the value is now that would be the bottom,
so about four hundred to six hundred. When you see
the Dow Jones that's down, then all the news is
going to tell you a depression's coming. No, the depression's over.

(45:41):
We've been in depression for twenty five years. And the
greatest bull market is always followed by the greatest bear market,
and we haven't seen nothing yet. Wait until the Dow
Jones goes down to six hundred or eight hundred, and
most of these companies are gone. That's when you want
to buy is when everyone's selling.

Speaker 3 (46:02):
So I guess your bullets on gold.

Speaker 5 (46:04):
Then gold is a good thing to have. It's hard
to travel with it. So but that's where I have
found an island. It's a beautiful, little tiny island. There's
no cities on it, and I with one client of mine,
I'll be able to buy the farm and be able

(46:27):
to I teach farmers how to build dome houses with bamboo.
I also teach them how to do vertical gardening. And
we are going to be opening up free medical clinics.
So that's where my book is and some clients that
I can get. Because my favorite best client to have
would be a company right now with five hundred thousand

(46:50):
dollars of alleged bank issued credit card debt and they
have a CFO as their CPA and their vice president
is an attorney. That be perfect because with their letters
and my court documents, they mail this to the bank
as if it was a filed lawsuit. You don't want

(47:10):
to do a federal court. You want to do it
in say court, so you file, you don't even file
it in a court. You just make it look appear
that it has been filed. You send that to the
registered agent and they will notify the attorney there's a lawsuit,
So you wouldn't get that attorney to contact your clients.
My client's attorney and they work a deal out. They
say there's no debt here. All we want is to

(47:32):
be limited off a credit report. Click click click, and
we'll go away. They'll probably have to sign a non
disclosure because the bank does not want this information to
get out. So with my complaint and the injunction, that's
the important thing I've got is once the bank sees
the injunction, you can't file it now. You got to
wait until they answer the complaint. Then you can file

(47:55):
the injunction. The injunction stops the whole process because you're
demanding the bank who says they owe money will then
provide one an invoice to a copy of the promisory
note certified copy, three a AFFI David up debt, and
four name me the person who's going to come into

(48:15):
court and say I owe money. Now, the bank is
going to have to have somebody commit perjury. Now, if
they do that, they're involved in perjury. So they have
only thirty days to answer this, and if they don't
provide those documents, then the judge will find them in
contempt of court and it all stops right there. So
once they see the discovery and ten days after they answer,

(48:39):
someone's going to be in a deposition. Someone in the
bank who has knowledge, who has the documents, They're going
to be in a deposition, and they definitely don't want
that to happen. So I've got the admissions, interrogatories, and
production of documents. It's all set with a letter from
the CPA and the mock letter from the attorney saying
there's no constructual agreement. All we want need to do

(49:00):
is close the free checking account and taking off her
care report, and all the bank has to do is
click and it's.

Speaker 3 (49:07):
Gone, okay, But I find the money.

Speaker 4 (49:11):
I don't want to be called the the the source
of people going out and jumping off their couches and
say I'm gonna do what he did because I want
to stop paying this this bill. It's not that easy.
I don't I don't believe man gain to me. It
is time consuming and it's not it's not cheap. What's
the downside. I mean because one again I don't think

(49:37):
any everybody could do this. And two, if everybody starts
challenging the credit card payments, anybody can have credit cards anymore.

Speaker 5 (49:51):
M very good thing. But what's what's the drawdown? So
the drawdown would be they would sue you? Okay, well
they didn't sue me. Why didn't they come after me?
If the judge threw it out? Why didn't they come
after me? Because they knew I knew. So if they
sue you, then you can do a countersuit back and

(50:13):
in that process you can do a request a notice
of deposition. So within ten days of them sending you
a lawsuit, you're actually deposing their bank person. And so
who's going to come forward to say you owe the money?
Where's the invoice? They don't have one. Where's the copy
of the promisory note? They don't have one, So where's

(50:34):
the contractual agreement? Fraud undoes that all. So it is
a very sound procedure. I used to have a charity
and we did over a thousand people, and for the
mostly the little mounts with the letter, it'd be helpful
if your friend or you knew somebody who was a
CPA would write a letter to the bank saying, we

(50:54):
know there's no invoice and you did not issue alone
because there is no promisory note. I know that from
accounting principles. And then if you get an attorney to
write a letter saying there is no contraction agreement, you've
got basically the argument that the bank knows you know,
and so it's just easier for them to click and
stop your credit port. And then you try to announce

(51:16):
this and there's no debt. So it's like me, I
had nothing to stand on. I couldn't take them to
court again because there was no debt. It was on
my credit port. It's gone.

Speaker 3 (51:25):
There's no argument.

Speaker 5 (51:27):
Yeah. In my book, I have a book and if
you contact me for a free consultation, I will give
you my sixty nine dollars book for free. It's called
Forgive and Forget How to Nuclear credit Card Debt. So
in there is a courtroom scene that I experienced myself
and with my expert CPA who was my expert witness,

(51:50):
we went through these arguments. So all you have to
do is have your CPA read that one chapter, Act one,
seeing one, and they will see themselves in that position
to be an expert witness, and they will tell you
I'm exactly spot on, So you don't need to believe me.
You don't need to take any risk. You go talk
to your CPA. Don't want to talk to an attorney first,

(52:13):
because they're gonna tell you it's blowny because they're not
an accountant. And so when I had my charity, some
people were sued that had ten to twenty thirty thousand
and one. I had about seven hundred and fifty thousand.
But when they were sued, I some of them would
represent themselves, but then others wanted an attorney, so I
would pay for that, and they would stab me in

(52:33):
the back. Those attorneys would tell me yeah yeah, yeah,
yeah yeah, just to get my retainer payment. And then
once we went to court, they go whoa, whoa, whoa.
I can't talk and say this in front of this judge.
I got other clients, and so that stabbed me in
the back. I don't care if you've got an expert witness,
it's not going to work. And he would pull out.
He got paid and screwed me over. So but in

(52:56):
the MIC scenario, by having a company with a half
a millillion dollars and their board members all maxed out
because they're trying to keep this company and float. In
forty five days, they can have us all gone. And
the advantages they have a have a CPA to be
the agreed upon expert witness if this goes to court,
and it won't. And the other one is they have

(53:16):
an attorney and that's who we want with the bank
attorney to talk to that attorney and they always cut deals.
So what's the deal? Click and remove them from the
credit port and we won't say anything, so they'll send
over an NDA. And that's the way. You don't hear
about that that once once.

Speaker 4 (53:31):
That I mean, if a person goes through the whole
process and they get their credit report clear.

Speaker 3 (53:38):
Can they get a credit card after that?

Speaker 5 (53:42):
Oh? Yeah, yeah, you might have to hear something funny.

Speaker 4 (53:47):
Once American spress one time? Why are they going to
give give you a car? Maybe for more money?

Speaker 2 (53:52):
Now?

Speaker 4 (53:52):
Because your quit is at seven hundred and eight hundred? Now,
why do go tell my and do it again for you?
You to stop them again? I mean, what's this does
that make? How does that work?

Speaker 5 (54:04):
Have I got a story for you? I had a
marriage of twenty eight years and about twelve years ago,
the wife said get out and take the dog with you,
and I became homeless, and I still technically am, but
that's my choice. So I've been chosen to be homeless.
I had a valve poverty, so I wanted to feel
like what it's like to be poor. I never experienced

(54:24):
it before, but I wanted to walk in sandals basically
like Jesus, and have a vali of poverty. And I
traveled that way for ten years and not anymore. But
so I applied for a credit card. Now I have
been off grid for ten years, I have no credit,
I have no credit score, and I contacted Capital One

(54:49):
and I said I'd like to get a five hundred
dollar credit card. And you know what they did. They've
sent me a five hundred dollars credit card, even though
I had no score, I had no report. But I
was a previous member, I was a previous account holder,
and that was one of the banks I sued. I
sued them for thirty five thousand and it got wiped

(55:11):
out my credit port. So one hand doesn't know what
the other hand's doing. But they issued me a five
hundred dollars credit card. So yes, I have a credit card.
I pay my sco is now seven oh three. It
was seven oh two, and I just got the score
like that from five hundred up in about six or
eight six months. I've been here in the Philippines for

(55:31):
about six months, so yeah, my score now is seven
oh two. I used the card to keep my score up,
So I know the scam. So but I'm going back
to your theory that if you just open up credit
cards and steal from them. That was my original ask.
He knew a question when the bank said, come in

(55:52):
and depot the twenty five dollars, hold it for ninety days,
and you have an extra twenty five dollars. So there's
a guy you that says he does this and he
makes money. So what's the difference. The bank is not
loan you any money, and they're trying to get you
as a customer. It's just an advertising. Now you might

(56:13):
think it's a moral will see how they got you
lied to and doctor and brainwashed into thinking that you
owe them money and this is just a scheme to
get him out of the money. That's not at all.
What I'm telling you is that if you owe a
merchant on a merchant credit card, you owe them the money.
That is one percent obligation. That's a moral and thing.

(56:35):
But when the bank induces you, tricks you, lies to you,
and tells you that they'll give you this credit even
though they're not, to get you to open up a
free checking account and then charge you twenty three dollars
and four cents A one fourth of their profit is
from the scheme they're pulling on people. So I'm advocating

(56:58):
that every single person with a car send this letter
in and overnight one point three trillion dollars of bank
issued alleged credit cards would be gone. Now is there
going to be credit cards? Of course, But you do
it the right way. You go to a merchant who's
got products, You promise to pay them back. They believe

(57:18):
that you're going to pay them back. That's called credit credit,
and issue a credit card if they want to. And
that's the way you can get goods and services. But
you have an invoice, you have to agree to pay
them back. On the other side, go get a loan,
but then put up some collateral and they'll write numbers
and do a free checking account and there you go.
So this does not work for an auto loan, It

(57:42):
doesn't work for a home blowan, it doesn't work for
a personal loan when you signed a promisory note, So
this is only accounting. It's very common knowledge that the
invoice is the payment of debt. So if they have
an invoice, pay it, you owe the money. If they
don't have an inn, there's no debt, well, if there's

(58:02):
a loan, well, then where's the promisory note. The only
way they could get you money is ready to sign
a promisory note. Fill out the loan documents, prove you
can pay it back, have some kind of collateral, have
a credit report, have your credit score to show the
interest rate that are going to charge you, and then
sign the promisory note. If you've done all that, you

(58:23):
owe the money. You can't get out of it unless
you're gonna do some weird wacky thing with Title fifteen
and other things. Idle care but that might work, may not.
But I know this works because I did it personally.
I've done it for over one thousand people, and there's
no drawdown because what are they gonna do? So you well,
you're ready for that. You already have all your documents.
They don't want to go into court and do this.
They want to beat up little people, is what they

(58:44):
tried to do.

Speaker 4 (58:45):
Well, already know that I'm getting a copy of the book,
already write that time.

Speaker 7 (58:51):
I sent you one. I just want to check it
now as you close. What's the cost of this? People
probably ask.

Speaker 5 (59:04):
That in the head. Sure, I would say there's no
cost because all you do is give me a call.
We'll chat for fifteen minutes. I'm not trying to sell
you anything. I can be advisor and something like that
if you want to pay me for that, but there's
no price for that, and there's no hard sell. I
don't ask you for even a credit card. So and
I'll send you my free book. Because I want you
to know this. I want you to talk to your CPA,

(59:25):
show them the book because he might have a client
that's got about five hundred thousand that might want to
work a deal with me because I can find them
maybe one hundred thousand dollars. So it usually works for
my clients is they get money and I get money
based on stuff they didn't even know was available to them.
So that's definitely free now if you think about it,

(59:45):
If you're smart enough, you can read my book and
figure it out. I basically told you what to do.
So if you're smart enough in law, which I've spent
a good twenty twenty five years in legal stuff, So
if you can just write the letter with the letter
from your CPA and your letter from your attorney, and

(01:00:06):
then have all the court documents and show them how
much work it's going to be, because once they see
it's going to cost them twenty thirty forty dollars in
legal fees, where are they going to do? Click, it's
off your credit cork goodbye. So now that's what It
wouldn't cost you anything because you don't even need a file.
You don't even need to file it with the court.
So it actually could be free. Just maybe it's the
postage I've sent us to the registired agent of the bank.

Speaker 4 (01:00:29):
What's the relevance of having a CPA and having having
an attorney?

Speaker 3 (01:00:35):
You're saying that pussy can just do it on their own,
do you hear me? You there?

Speaker 5 (01:00:52):
You that Tom, Yes, they can do it on their own. Uh.
The weakest thing would be to send a letter asking
them to close your checking account, your free checking account
and that would be the weakest position to be in
the strongest would be to what I like to do
is use a bazooka to kill a nat. So I

(01:01:14):
got a mosquito out there, I'm going to use a
big boulder to a mosquito. And the best way is
because you have your CPA is going to be your
expert witness. And with their letter saying there is there
is no invoice, they know there's no invoice and there

(01:01:36):
is no promisory note. So according to the federal guidelines
and the modern money mechanics quote right here, what banks do.
There is no loan, there is no invoice, so you
have no debt, so you're you don't win bank. And
then your attorney says, oh, by the way, this Supreme Court, this,
this case law here, this case law here, all says

(01:01:58):
that if you commit fraud that undoes any contract. So
in my opinion, my client does not have a contract
with you bank. What they have is what I'm told
by the CPA is a free checking account. So I
want you bank to close that free checking account. Do
not issue a ten ninety nine see because I will

(01:02:19):
notify the irs with this form and you can have
the form already filled out, and that just shows that
you're on top of it. You're showing the bank. You know,
the gig is up, and all I want you to
do is click and it's off their credit port. That's
all you want them to do, and the bank can
do that very simple.

Speaker 4 (01:02:36):
Now you keep emphasizing the gain I wanting to click
to my listeners. It's the same with the American Spress
as it is with Bank of America.

Speaker 3 (01:02:46):
Is that correct?

Speaker 5 (01:02:48):
I could only hear it was about Bank of America.
The first Paraday catch.

Speaker 4 (01:02:53):
Is the same as American Express as it is for
Bank of America. Because you keep emphasize the banks on one,
I want to be clear that people could use this
against American Express or City Bank or not not not
necessarid Citty Bank, but American Express directly as well.

Speaker 5 (01:03:14):
I would just say, look on the back of American
Express if it says issued by a bank, and it's
a bank, but American Express never loans you any money.
There was never a loone.

Speaker 4 (01:03:27):
Oh, so basically Americans Press is the front.

Speaker 5 (01:03:35):
I would believe.

Speaker 3 (01:03:36):
So okay, okay, okay.

Speaker 4 (01:03:39):
Cause I'm I'm just thinking that make Express and MasterCards visas.

Speaker 3 (01:03:46):
That's where we're getting the money from. But maybe not.

Speaker 4 (01:03:50):
If you look on back at Visa Americans Press or
master Card, you'll probably see City Bank or another bank
there who's actually giving you the money.

Speaker 3 (01:04:02):
That's basically what you're saying.

Speaker 5 (01:04:04):
They're saying there's one point three trillion dollars of credit
card debt. No, there's not. There's people's deposits. Their own
money has been used for their purchases. So America Express
is going to give you a gift card to get
you a customer because they make money off of you.
And so that's what it is. When you made a
payment to Americans, that's when they used your money for

(01:04:29):
all the subsequent purchases after that.

Speaker 3 (01:04:32):
Okay, But the Making Express is not the one who's
giving me the money.

Speaker 4 (01:04:34):
The bank behind the Making Expresses give me the money.

Speaker 3 (01:04:41):
Is that correct? Okay? Great?

Speaker 5 (01:04:42):
Great? And in my book I go into a little
more detail. In my book, I've got a little more
detailed about the asset backed security and it's not really
part of our little simple discussion here. But there's a
way that the banks borrow money from retirement funds and

(01:05:03):
promise them four point nine percent interest rate, so they
get an interest rate, and then what they do is
they take that money. Half of it goes into their profit.
So they borrow money from USA one hundred million from
a retirement fund and so they take fifty million and
give it to their shareholders. They take the other fifty
million and turn that into the credit card deposits. So

(01:05:25):
once they got the people to send them money to them,
that's when the whole scam starts with a free checking account.
So there's several different ways of how the banks fund this,
but it's basically their advertising budget to get you as
a customer.

Speaker 3 (01:05:40):
Wow.

Speaker 4 (01:05:41):
Well, tom I definitely think that we will be doing
a part two with this this, this, this sort and
they information for myself as quite sure for my audience
as well, give people how they reach out to you, follow.

Speaker 3 (01:05:59):
You and maybe learn how to do for the conforming mm.

Speaker 5 (01:06:04):
Hm oh yeah, Tommy A Kirkpatrick on Facebook is the
easiest way to get a hold of me, and in
the show notes, I'll have my email there so you
can email me. Don't have to work at the time zone.
And uh, let's see what else. Yeah, there's a link
to a book that I can send it to you too,
so but yeah, just contact me, let's have a conversation

(01:06:26):
and see how I can help you and give you
the free book.

Speaker 4 (01:06:29):
So time, I appreciate your time very much, and I
definitely do appreciate you hanging in trying to get all
the technical.

Speaker 3 (01:06:40):
Inconveniences. Uh so we made it.

Speaker 4 (01:06:43):
We're here and I'm definitely glad that that that we
had this conversation.

Speaker 3 (01:06:48):
Again, thank you, and I'll look forward and talk to
you in the future.

Speaker 5 (01:06:52):
Okay, thank you very much, by h.

Speaker 2 (01:07:17):
Thanks for listening to today's show, and don't forget to
like and subscribe to this podcast and look for Project
Thirdeye Open on your favorite social media platforms. Check out
our web page at Projectthirdiopen dot com and that's third
I with the letter I Projectthirdiopen dot com. Drop us

(01:07:37):
a note at tonyel at Projectthirdiopen dot com. That's tonyel
at Projectthirdiyopen dot com. As you wait for our next
podcast to drop, don't take anything we've satisfact. Instead, do
your own homework, make up your own mind, then take
action until next time. B B last, Be good and

(01:08:02):
be free

Speaker 5 (01:08:08):
MHM.