# E81 - You Don’t Need Dave Ramsey, but Congress Sure Does!

Page: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e81-you-don-t-need-dave-ramsey-but-congress-sure-does
Text version: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e81-you-don-t-need-dave-ramsey-but-congress-sure-does.md
Podcast: [Remnant Finance - Infinite Banking (IBC) and Capital Control](https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217)
Published: 2026-01-09T15:09:03+00:00
Episode link: https://podcasters.spotify.com/pod/show/remnant-finance/episodes/E81---You-Dont-Need-Dave-Ramsey--but-Congress-Sure-Does-e3ddo74
Audio file: https://anchor.fm/s/f80e64e4/podcast/play/113745572/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-0-9%2Fac7e725f-de8d-1045-7e96-53479800dab7.mp3
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Duration seconds: 3687

## Resource

Book a call: https://remnantfinance.com/calendar ! Email us at info@remnantfinance.com ! Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance ) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 ) Twitter: @remnantfinance (https://x.com/remnantfinance ) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE This episode dives into the macroeconomic chaos of 2025. Hans breaks down the yen carry trade, quantitative easing, and why the 10-year Treasury isn't budging despite Fed rate cuts. Brian connects it back to what matters: how you position your family's finances when nobody knows what's coming next. The tension is real. On one hand, the debasement trade says go long equities—they're going to keep printing money and asset prices will rise. On the other hand, forward P/E ratios are at 23x, historically correlated with flat or negative real returns over the next decade. And then there's AI—a real time Black Swan breaking every economic model we thought we understood. Chapters: 00:00 – Opening segment 01:25 – 2025 macro overview: building resilience against all outcomes 05:05 – Fed rate divergence: Japan raising while the US cuts 06:55 – The yen carry trade explained 10:30 – Quantitative easing: how the Fed creates money through primary dealers 13:45 – The Cantillon effect and why Wall Street benefits first 15:15 – Congress is the root cause, not the Fed 17:05 – Why Austrian economists were partially wrong about 2008 QE 19:30 – Will this round of QE hit faster? 21:45 – The bond market is calling the Fed's bluff 25:45 – The case for growth assets in an inflationary environment 28:00 – Forward P/E at 23x: what the metric means 34:05 – How forward…

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