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      These forces are what the conspirators use to take your money. Because the conspirators play by a different set of rules, they know how to use these forces to increase their riches—while the very same forces make others poor.

      If you want to financially change your life, you will need to change your financial rules. This can only be accomplished by increasing your financial IQ through financial education.

      Financial education is the unfair advantage of the rich. Having a rich dad who taught me about money and how it works gave me an unfair advantage. My rich dad taught me about taxes, debt, inflation, and retirement, and how to use them to my advantage. I learned at a young age how the rich played the game of money.

      By the end of this book you will know why today, when so many people are worried about their financial futures, the rich are getting richer. But more important, you will know what you can do to prepare and protect your financial future.

      By increasing your financial education and changing your rules of money, you can learn how to use and profit from the forces of taxes, debt, inflation, and retirement—not be a victim of them.

      Many people are waiting for the political and financial systems of the world to change. To me, that is a waste of time. In my opinion, it is easier to change myself rather than to wait for our leaders and systems to change.

      Is it time for you to take control of your money and your financial future? Is it time to find out what those who control the financial world don’t want you to know? Do you want complex and confusing financial concepts to be made simple? If you answered yes to these questions, then this book is for you.

      In 1971, after President Nixon took the U.S. dollar off the gold standard, the rules of money changed, and today, money is no longer money. That is why the first new rule of money is Money is knowledge.

      I wrote this book for those who want to increase their financial knowledge, because the time is now to take control of your money and your financial future.

       Part One

       THE CONSPIRACY

       The Root of All Evil

      Is the love of money the root of all evil? Or is the ignorance of money the root of all evil?

      What did you learn about money in school? Have you ever wondered why our school systems do not teach us much—if anything—about money? Is the lack of financial education in our schools simply an oversight by our educational leaders? Or is it part of a larger conspiracy?

      Regardless, whether we are rich or poor, educated or uneducated, child or adult, retired or working, we all use money. Like it or not, money has a tremendous impact on our lives in today’s world. To omit the subject of money from our educational system is cruel and unconscionable.

       Reader Comment

       If we don’t wake up as a country, and start taking responsibility for our own education in money matters, and teach that to our children, we are in for a train wreck of catastrophic portions.

      —Kathryn Morgan

       Reader Comment

       I went to high school and junior high school in Florida and Oklahoma. I received no financial education. I was however forced to take wood shop and metal shop.

      —Wayne Porter

       Changing the Rules of Money

      In 1971, President Richard Nixon changed the rules of money: Without the approval of Congress, he severed the U.S. dollar’s relationship with gold. He made this unilateral decision during a quietly held two-day meeting on Minot Island in Maine, without consulting his State Department or the international monetary system.

      President Nixon changed the rules because foreign countries being paid in U.S. dollars grew skeptical when the U.S. Treasury was printing more and more money to cover our debts, and they began exchanging their dollars directly for gold in earnest, depleting most of the U.S. gold reserves. The vault was being emptied because the government was importing more than it was exporting and because of the costly Vietnam War. As our economy grew, we were also importing more and more oil.

      In everyday terms, America was going bankrupt. We were spending more than we earned. The United States could not pay its bills—as long as our bills were to be paid in gold. By freeing the dollar from gold, and making it illegal to directly exchange dollars for gold, Nixon created a way for the United States to print its way out of debt.

      In 1971, the world’s rules of money were changed and the biggest economic boom in the history of the world began. The boom continued as long as the world accepted our funny money, money backed by nothing but a promise by U.S. taxpayers to pay the bills of the United States.

      Thanks to Nixon’s change in the rules of money, inflation took off. The party was on. As more and more money was printed each decade, the value of the dollar decreased and the prices of goods and assets went up. Even middle-class Americans became millionaires as home prices kept climbing. They received credit cards in the mail. Money was flowing freely. To pay off their credit cards, people used their homes as ATMs. After all, houses always went up in value, right?

      Blinded by greed and easy credit, however, many people either didn’t see or ignored the dire warning signs such a system created.

      In 2007, a new term crept into our vocabulary: subprime borrower—a person who borrowed money to buy a house he could not afford. At first, people thought the problem of subprime borrowers was limited to poor, financially foolish individuals who dreamed of owning their own home. Or they thought it was limited to speculators trying to make a quick buck—flippers. Even Republican presidential candidate John McCain did not take the crisis seriously in late 2008, trying to reassure everyone by saying, “The fundamentals of our economy are strong.”

      Around the same time, another word crept into our daily conversation: bailout—saving our biggest banks from the same problems that faced sub-prime borrowers: too much debt and not enough cash. As the financial crisis spread, millions of people lost their jobs, their homes, their savings, their college funds, and their retirement funds. Those who so far have not lost anything are afraid they might be next. Even states felt the pinch: California Governor Arnold Schwarzenegger began talking about issuing IOUs instead of paychecks for government lawmakers because California, one of the biggest economies in the world, was going broke.

      As 2009 began, the world looked to a newly elected president, Barack Obama, for salvation.

       A Cash Heist

      In 1983, I read a book by R. Buckminster Fuller entitled Grunch of Giants. The word grunch is an acronym standing for Gross Universe Cash Heist. It is a book about the super-rich and uber-powerful and how they have been stealing from and exploiting people for centuries. It is a book about a conspiracy of the rich.

      Grunch of Giants moves from kings and queens of thousands of years ago to modern times. It explains how the rich and powerful have always dominated the masses. It also explains that modern-day bank robbers do not wear masks. Rather, they wear suits and ties, sport college degrees, and rob banks from the inside, not the outside. After reading Grunch of Giants so many years ago, I could see our current financial crisis coming—I just did not know exactly when it would arrive. One reason why my investments and business ventures do well, in spite of this economic crisis, is because I read Grunch of Giants. The book gave me time to prepare for this crisis.

      Books about conspiracies are often written by someone on the ‘fringe.’ Dr. R. Buckminster Fuller, although ahead of his time in terms of his thinking, was hardly a fringe individual. He attended Harvard University, and although he didn’t graduate from there, he did quite well (like another famous Harvard dropout, Bill Gates). The American

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