Heresy Financial

This is What it Looks Like Right Before a Crash

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TIMECODES
00:00 Four Things That Happen Before Every Crash
00:51 Sign #1: Euphoria and FOMO
01:37 Every Bubble Looked Like Easy Money
02:25 The Fear ...Greed Index Just Hit 17
04:27 Sign #2: Insane Valuations
05:32 The "Safe" Sector Everyone Is Wrong About
07:01 Sign #3: Monetary Policy Flip
08:34 Money Supply Has No Signs of Slowing
09:00 Sign #4: The Uber Driver Test
10:23 The Verdict on All Four Signals
10:48 Why Losses Destroy You Faster Than Gains Build You

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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More

This is What it Looks Like Right Before a Crash

The New Bank Deregulation Plan Has Been Unveiled

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TIMECODES
0:00 The Fed Just Unveiled Part One of Bank Deregulation
0:47 This Is a Proposal Not Immediate Action
1:22 Proposal 1: Simplified Capital ...Requirements for the Biggest Banks
3:16 No More Window Dressing at End of Quarter
3:57 Proposal 2: Easier Mortgage Lending for All Other Banks
4:46 Proposal 3: Looser Requirements for Regional and Community Banks
5:12 This Is Separate From the Supplementary Leverage Ratio
6:18 Why This Alone Won't Move the Needle
7:04 What This Means for Interest Rates and Mortgages
8:39 The Real Boom Only Happens if SLR Gets Removed Too
9:24 Banks Might Just Do Buybacks and Dividends Instead
10:26 How to Trade Bank Deregulation With ETFs
11:44 The Long Term Outlook for GDP Lending and Asset Prices

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Monetary Metals (earn yield on gold) https://monetary-metals.com/heresy-financial/
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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More

Is Private Credit About to Collapse the Economy?

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TIMECODES
0:00 Private Credit Headlines Are Blowing Up
0:53 How Banks Got Regulated Out of Lending After 2008
2:32 The Shadow Banking System Explained
3:53 ...Why Both Investors and Borrowers Loved Private Credit
5:22 2020 Flooded Private Credit With Too Much Money
6:32 Rising Interest Rates Broke the Math for Everyone
8:56 Why Blackrock Blocked Withdrawals
9:53 Pension Funds Are Holding the Bag
11:49 How Much Risk Does This Pose to the Broader Economy
13:44 What Could Tip This Into a Full Crisis
14:42 Why Bank Deregulation Is the Most Likely Solution
17:46 What This Means for KKR Blue Owl and Your Portfolio

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Monetary Metals (earn yield on gold) https://monetary-metals.com/heresy-financial/
Miles Franklin (buy gold, best price) https://milesfranklin.com/heresy-financial/
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M1 Finance (invest in stocks) https://m1.finance/MNoCZwlvGStC

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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More

LIVE: Fed Leaves Rates Unchanged, due to “Middle East Uncertainty”

The Iran War has the Fed Trapped

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TIMECODES
0:00 Rate Cuts Might Be Off the Table
0:10 The Iran War Has the Bond Market Falling Apart
0:42 The Market Is Selling ...Off Bonds Despite Record Treasury Buybacks
1:28 Bond Funds Are Dropping Fast
1:40 The Fed Watch Tool Says 99% Chance of No Cut
2:47 Employment Is Falling Apart
3:19 Liberation Day Changed the Trend
3:33 The Fed's Triple Mandate Most People Don't Know About
3:49 CPI Has Been Moving Sideways for a Year and a Half
4:38 Oil Spiked to $115 and Inflation Fears Exploded
5:07 Oil Prices Influence Everything You Touch
5:34 Why Traders Think Rate Cuts Are Dead
5:53 Why the Market Is Probably Wrong About the Rest of 2026
6:03 An Oil Shock Alone Cannot Cause Sustained Inflation
6:51 If One Thing Gets Expensive Something Else Gets Spent Less
7:15 The Money Supply Is the Only Thing That Drives Real Inflation
8:40 Trump Calls for Immediate Rate Cuts on Truth Social
9:13 Why Rate Cuts Are Still Coming This Year
9:32 New Fed Chair Kevin Warsh Will Change Everything
9:58 Bank Deregulation Will Explode Private Lending
10:34 The Market Is Mispricing What Happens Next
10:51 This Still Looks Like a Buy the Dip Opportunity

My Important Links:
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Monetary Metals (earn yield on gold) https://monetary-metals.com/heresy-financial/
Miles Franklin (buy gold, best price) https://milesfranklin.com/heresy-financial/
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M1 Finance (invest in stocks) https://m1.finance/MNoCZwlvGStC

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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More

Why the Government MUST Lower Rates (Even If It Causes Inflation)

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TIMECODES
0:00 The Government Says Inflation Is Coming Down
0:22 What the CPI Is Actually Reporting Right Now
1:16 A Third Party Source Says ...Inflation Is Even Lower
1:56 But Your Grocery Bill Says Otherwise
2:04 Used Car Prices Are Climbing Again
2:29 The Difference Between Prices and Inflation
3:08 Egg Prices Have Actually Gotten Cheaper
3:37 Median Home Sale Prices Are Down 9% From the Peak
5:05 Rent Prices Are Still Going Up
5:56 Health Insurance Premiums Jumped 21% in One Year
7:13 Beef Prices Just Hit All Time Highs Again
7:51 Why Inflation Is Mathematically Impossible to Measure
8:44 Why the Government Needs Inflation to Continue
9:17 Dollars Are Loaned Into Existence Not Printed
10:05 Why They Will Never Allow Deflation
10:20 The National Debt Trap Explained
11:22 What the Government Really Needs Is Hidden Inflation
11:41 Could Lower Interest Rates Actually Cause Deflation
12:54 Corporate Debt Is at All Time Highs
13:54 Why This Is Bullish for Asset Prices Either Way
14:42 Bank Deregulation Could Change Everything

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Monetary Metals (earn yield on gold) https://monetary-metals.com/heresy-financial/
Miles Franklin (buy gold, best price) https://milesfranklin.com/heresy-financial/
Swan Bitcoin (stack bitcoin) http://bit.ly/swnhrsy
M1 Finance (invest in stocks) https://m1.finance/MNoCZwlvGStC

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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More

Investing During Wars - Cash Out or Buy the Dip?

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TIMECODES
0:00 The Questions Nobody Wants to Ask During a War
1:05 How Markets Responded to Russia-Ukraine and Israel-Palestine
2:28 80 Years of Stock ...Market Data After Major Wars
4:08 No War Happens in Isolation
5:32 Average S&P 500 Returns After Geopolitical Events
7:22 The Recession Variable Changes Everything
8:19 Worst Case Drawdowns vs What We Already Survived
9:25 Stock Market Performance During Major Wars
10:25 When You Zoom Out None of It Mattered
11:41 What This Means for Your Portfolio Right Now
12:55 Short Term Traders vs Long Term Investors

My Important Links:
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Monetary Metals (earn yield on gold) https://monetary-metals.com/heresy-financial/
Miles Franklin (buy gold, best price) https://milesfranklin.com/heresy-financial/
Swan Bitcoin (stack bitcoin) http://bit.ly/swnhrsy
M1 Finance (invest in stocks) https://m1.finance/MNoCZwlvGStC

Socials @HeresyFinancial
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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More

LIVE: Economic Survey Pushes Stocks Higher Despite War

A Declaration of Independence

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TIMECODES
0:00 Sometimes It Becomes Necessary to End Political Ties
0:38 The Self Evident Truths Life Liberty and Pursuit
1:08 Governments Are Established to ...Protect These Rights
1:25 When Government Violates Rights the People Can Abolish It
2:06 People Are More Likely to Endure Suffering Than Overthrow
2:36 It Is the People's Duty to Overthrow Tyranny
3:05 A List of Government Violations
4:18 Laws So Vast Every Citizen Is Now a Criminal
5:04 Weaponized Agencies Lobbyists and Endless Foreign Wars
5:48 Attempts at Reform Have Been Met With Apathy
6:50 We the People Declare These States Free and Independent
7:43 A Modern Reinterpretation of Jefferson's Declaration

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Monetary Metals (earn yield on gold) https://monetary-metals.com/heresy-financial/
Miles Franklin (buy gold, best price) https://milesfranklin.com/heresy-financial/
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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More

LIVE: Market Shrugs Off War

The Real Reason Medicine Is Unaffordable in America

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TIMECODES
0:00 Insulin Costs $3 to Make But Sells for $300
1:16 Three Companies Control 99% of the Insulin Market
1:47 Ozempic Costs $936 ...in the US Under $100 in Europe
3:33 The Three Pillars Keeping This System in Place
3:49 Pillar 1 The FDA Blocks Competition
6:02 Pillar 2 Intellectual Property Laws Create Monopolies
8:52 Pillar 3 Big Pharma Lobbying Outspends Everyone
10:33 The Cycle That Keeps Americans Sick and Poor
12:45 The Middlemen PBMs Skim $41 of Every $100
14:09 Advil Shows What Free Market Drugs Look Like
15:17 Alternatives Exit the System Entirely
17:00 Stop Waiting for the System to Change

My Important Links:
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Monetary Metals (earn yield on gold) https://monetary-metals.com/heresy-financial/
Miles Franklin (buy gold, best price) https://milesfranklin.com/heresy-financial/
Swan Bitcoin (stack bitcoin) http://bit.ly/swnhrsy
M1 Finance (invest in stocks) https://m1.finance/MNoCZwlvGStC

Socials @HeresyFinancial
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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More

LIVE: Government Dumps Anthropic for Refusing to Surveil and Kill

The Markets will Never Be the Same - AI Takeover

Get my free newsletter Letters From a Heretic: https://go.heresy.financial/letters-from-a-heretic

TIMECODES
0:00 AI Is Disrupting Every Industry Including Investing
0:14 IBM Stock Fell 12% in One Day Because of AI
0:36 Positions in Your ...Portfolio Are Struggling
1:02 Jamie Dimon Says AI Is Reshaping Chase's Workforce
1:17 AI Can Predict 71% of Actively Managed Trades
1:43 Will AI Bots Absorb All the Profit Opportunities
2:06 Don't Worry It's Not Actually Possible
2:33 The First IPO Was Only 400 Years Ago in 1602
3:22 Only 62% of Americans Own Any Stocks at All
4:08 Most Countries Have Under 15% Participation
4:29 Why the US Has Higher Participation Technology
5:10 AI Will Give More People Access to Investing
6:00 50 Years Ago It Was Very Difficult to Invest
7:15 AI Will Democratize Access to Financial Advice
9:18 It Will Be Easier Than Ever to Achieve Market Returns
10:35 AI Will Create More Volatility Not Less
12:35 Flash Crashes Will Become More Common
14:14 The 2010 Flash Crash Erased $1 Trillion in Minutes
15:38 Markets Cannot Achieve Perfect Efficiency
17:08 The Grossman Stiglitz Paradox Explained
18:28 Fewer People Will Beat the Market But Returns Will Be Extreme
19:05 Big Money Moves Markets Literally
19:50 Warren Buffett Has $344 Billion in Cash
20:42 Successful Investors Price Themselves Out of Small Opportunities
21:17 Summary More Access More Volatility More Difficulty

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Monetary Metals (earn yield on gold) https://monetary-metals.com/heresy-financial/
Miles Franklin (buy gold, best price) https://milesfranklin.com/heresy-financial/
Swan Bitcoin (stack bitcoin) http://bit.ly/swnhrsy
M1 Finance (invest in stocks) https://m1.finance/MNoCZwlvGStC

Socials @HeresyFinancial
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My name is Joe Brown, and I'm a former stock broker who spent years advising the top 1% on how to manage their wealth. After making enough money to leave the corporate world behind, I turned my attention to teaching regular people financial strategies that exist outside the mainstream - things you'll never hear from your traditional fiancial advisor.

I am not a CPA, attorney, or licensed financial advisor and the information in these videos shall not be construed as tax, legal, or financial advice. Information shared here is for educational purposes only. It is not financial advice or a recommendation to buy or sell any security. Investors are responsible for evaluating their own financial objectives and identifying potential risks before making any investment decisions. Your results are not guaranteed, and all investing involves substantial risk of loss. Your results may vary. Linked items may create a financial benefit for Heresy Financial. Copyright Heresy Financial 2025.[+] Show More