Transcription
Will the EU break apart in the next 5 years? Yes. Will CBDCs, i.e., digital central bank money, be introduced in Europe in the coming years? Yes. Will CBDCs also serve to control EU citizens? We are currently living in pretty crazy times, and I often wonder, what will actually happen with Germany and also with the EU? I ask myself, is my money even really safe anymore? And above all, I ask myself, where can one really live safely and, above all, freely in the coming years. These topics concern me greatly, and I have wanted to make a video about them for a long time, but I also wanted to get an expert on board. Two weeks ago, I was at a mastermind in Germany and met Jürgen Wechsler. He is a former investment banker and international financial advisor. I had a long conversation with him over dinner, and I found that he had very well-founded answers, well-founded knowledge, free from fear-mongering and any conspiracy theories. That's why I interviewed him here on YouTube on exactly these topics. Watch the interview, because I think Jürgen gave incredibly good tips that will help you protect your money and simply live more freely and safely in the future. I definitely learned a lot. I hope you will too. Enjoy the interview, Jürgen. We met in person a few weeks ago at a mastermind and definitely had some things in common. And I asked you something over dinner that I think many people might be interested in. Namely, I asked you, tell me, what is actually going wrong in Germany? Because sometimes you almost get the feeling that the politicians are deliberately driving the country into a wall. How do you see that?
Yes, well, one has to look at where Germany is embedded nowadays. And Germany is now embedded more in the EU. So, you could say about 70% of the relevant laws come from the EU, which actually still needs to be implemented in Germany. This means that German politicians are mainly just willing accomplices in the end, and then one must also consider the, how should I put it, the interests of a politician. Many of them have no real training. This means they wouldn't really fit in anywhere and wouldn't earn good money. Yes, that's simply how you have to see it. So, now you get into the Bundestag, and also as a minister, you get good money, but the real money you get after your career. Whether you are involved for two years or four years doesn't really matter. If you implement everything that is supposed to be done well, then you get very good pay afterwards in some management positions, "breakfast director" positions, NGO positions. So, for a little bit of effort and simply doing what needs to be done, you get an easier life later on. So, from that perspective, we have an interest situation among politicians that simply encourages them to do certain things. Yes, because in the end, it's always about money. Yes, it's about money. It's about, for example, redistribution. So, redistribution is very important, because with redistribution, I can steer money, and also channel money into certain directions, and the state is also important for redistribution. For most people, if the state doesn't appear anywhere, it doesn't seem important. But this also means that we now have a share in these redistributions, in state consumption, of over 50%, if you will, of the actual economic output. And a former Chancellor once let it be known that if you have more than 50% state output of your own economic output, then it's actually socialism. That's exactly where we are heading. And socialism means redistribution, and socialism means heading towards poverty. This has simply happened everywhere in the world, one can say. And this is, of course, a topic, this interest situation in politics, and also that it is strongly ideologically driven and no longer based on logic, what would advance a state, and as I said, also the fact that it mainly has to be implemented from the EU. I'm curious to see how you see it. I haven't lived in Germany for many years. I live in Malta for various reasons, but whenever I visit Germany, I am shocked by the negative development. Especially since I'm usually only there once or twice a year, I really see the differences. And I think if you talk to many people, especially those who live in large German cities, I would say that most of them would say that Germany has not necessarily developed positively in the last 10 years. I believe that German cities have not become safer. Our education system has not improved. Infrastructure, healthcare system, and so on have also deteriorated rather than improved. Would you agree with that across the board, or would you also say that the mood you sense among, for example, your clients or your YouTube viewers, you have a very large YouTube channel, would you say that this is the general mood of many people in Germany?
Fundamentally, yes, but not of everyone, one must say. So, there is still hope among some that the politicians will fix it again. So, that is still there, but the basic mood, I agree with you, has become more negative because people feel it, they feel it in their own wallets, they feel it in their surroundings, how safe is it all actually? Yes, so if I, myself, I live on the outskirts of a big city here in Germany, and there's the thing, if you use the subway and similar things, you might look around twice now, which perhaps wasn't the case 10 years ago. At the same time, one also experiences that more and more people, or the middle class, the classic medium-sized companies, which have actually carried the German economy, are experiencing more and more bankruptcies. So, especially those with between 100 and 500 employees, they are really struggling at the moment, and have been for the last few years. And this is actually the basic structure that has carried everything. And so, from that perspective, I would say, yes, the mood is getting worse, but the overall environment has also gotten worse. Is there a comparatively simple explanation for what has gone wrong in recent years or why? Because you have to understand it this way, I look at it and think, how could it come to this? And at the moment, I don't see any signs that it will get better. And I would like to understand why this is so? What happened?
In principle, there is no longer much investment in Germany. Especially public funds are increasingly flowing abroad, mainly through the EU and similar issues. And at the same time, the USA, if you will, is very focused on exploiting Germany, because, frankly speaking, in the whole thing. That's why money is flowing elsewhere, and companies are also moving to the USA. This means that the economy as a whole is actually being shut down in Germany. To what extent? Well, nobody has a crystal ball, but what do you think will happen to Germany in the near future, in the next 3, 4, 5 years? In which direction do you think it will go?
Well, if you look at it at the moment, then one must expect that the state, how should I say, wants to have more access to the citizens. The state is also afraid because there are 80 million citizens, and the state is just a few less people. This means that they need more control instruments to contain everything early on. On the one hand, there is the EU ID, which means that every citizen in Germany will also receive their own new citizen ID. That's no secret. Yes, it was stated quite officially in the coalition agreement. Briefly, it's the digital ID that has already been introduced in the UK, in Great Britain. Exactly. Exactly. And there is an EU law that requires every EU citizen to be provided with something like this by the end of 2026, and this has been officially named as a citizen ID in the coalition agreement. And at the same time, a wallet will also be included, where everything will be put in, driver's license, ID card, etc. So, everything is supposed to be consolidated there. Of course, this also provides a form of control. And the second thing is that we see that money flows are to be very strictly controlled. So, quite a bit has been introduced there. A new authority, for example, AMLA, which is supposed to deal strongly with money laundering, but at the same time has extreme access rights to individual citizens. So, it's like a financial police, and if there's a suspicion, then it can also happen that your accounts are blocked. So, that you no longer have access to your bank account. If you only have one bank account, you have a problem there. It could also be a coincidence, a strange transfer from someone, where you never thought there would be a problem, somewhere you bought something. By the way, I also made a video about this on my YouTube channel. My channel is called "Geld wert" (Money is Worth It), and I also made a video there. It had over 100,000 views, where I illuminated exactly how quickly an account can be blocked, simply due to such suspicions, and at the same time, it can also lead to the confiscation of assets, solely based on suspicions. Well, and then you're left standing there, and until you prove the contrary, it can take months until you can access your money again. This means that overall, access to the citizen's assets and to, how should I say, freedom of decision, that is what the state wants to have access to in the coming years, and with that, it is heading towards financial socialism or financial communism.
I understand. But I also live in the EU, I live in Malta. I have bank accounts in different countries. I can also have accounts outside the EU. So, at least my money still feels relatively safe. So, what do you think will happen in the coming years, or what will Germany or the EU try to do to gain more control? Keyword CBDCs, i.e., digital central bank money. Is that already decided? Is it not decided? Will it come? Will it come to the point where we lose our cash, i.e., paper money, the euro, that we all only have one account at the ECB and are 100% dependent on it?
Yes, the digital central bank currency and digital currency will come, that has been decided for a long time. By the way, I also made the first video about this topic in 2020. So, very, very early, when the topic was still very unknown. And it was already clear that it would come because it is an optimal control instrument, the digital euro. The test phase is now complete. This means it is now entering the second implementation phase where practical use is being tested more. The official introduction is planned for 2029 or 202. However, one must say, it can also be introduced earlier. The whole thing is already in place. The entire infrastructure, the technical one, and with the EU ID Wallet that is now coming, the digital euro can also be booked in. The German Savings Banks Association, for example, has played a leading role in ensuring that your bank account can also be managed through this unified ID. That we will no longer have a bank account, but only a CBDC account. Fortunately, that doesn't work in the EU. It has the following background: the idea was also that there would only be one bank account, only one access point through the digital central bank account, but then they calculated the whole thing. What happens then if I have a central bank money account? That is the safest money of all, because the central bank can print money at any time. A normal commercial bank, however, must first obtain it from the central bank. It can only print normal giro money. So, now they have calculated what actually happens if the citizens start transferring money from their normal bank account to the digital central bank money account. And they found that if each citizen were to transfer an average of about €2,000 to a digital central bank money account, then 50% of the banks in Germany would go bankrupt. Just €2,000 that someone would withdraw from their local savings bank or wherever. Exactly, because then there simply isn't enough liquidity available, because the minimum reserve that banks have to hold as cash for deposits has been continuously reduced, and therefore we cannot do that. But there is already an alternative. The alternative is from the Bank for International Settlements. That is the central bank of central banks, located in Basel, Switzerland, and it has built a construct called Finternet. Most people don't know it. So, like the internet, but it's a financial internet that they want to build. Namely, that all things are booked into a unified database. This means that all CBDCs, all bank accounts that exist, all digital representations of assets, all of that is to be consolidated in a unified master account ledger, so that one can see exactly, Anschu has these and these assets with us in the EU. Whatever you have, whether it's a house, a car, a boat, whether your assets are in crypto somewhere, or whether they are in stocks. All of that is to be consolidated in a unified master account ledger, the so-called Finternet. That sounds a bit like the asset register, about which there were also some videos circulating last year, 2025, that it was somehow planned and controlled by the authority in Frankfurt. What's its name again? The AMLA. The AMLA, but then they realized it's technically not feasible, I think. Exactly. That was a different construct. So, this is what comes from the central bank side, how to bring money flows and asset flows into a unified register in the Western financial system. That's what's behind it. It's not a conspiracy thing, because anyone can read it at the Bank for International Settlements, go to the homepage and look at the entire study. The second thing is the asset register. That is actually already effectively in place. So, there is practically a bank register where everything is included, and then there are also registers where companies are included. And I only need to merge these two databases, and then I already have an asset register. That's why the EU can always say, we don't have a unified asset register yet, or Germany, we don't have a unified asset register yet. They simply store it in different databases, and therefore it's not a unified asset register. Yes, but the overview is already there. And the next thing is the control of these assets. This means that if I consolidate everything in a unified master account ledger, where all assets are registered with a central authority, then this central authority can first know what you have, where it is, and then it can be frozen very quickly with a click.
If I simplify what I'm hearing in my own words, not just from this interview with you, but also from other podcast interviews I've watched or articles I've read. The EU's plan is, on the one hand, to digitize everything as much as possible. This means, in the best case, I no longer have a physical passport, but everything is digital. I have a digital ID, a digital driver's license, perhaps even my vaccination records, if I have them or not. Everything in a digital wallet. Exactly. Then, ideally, there is no real cash anymore, but only the e-euro, digital euro, central bank money. This means that every European only has one account at the ECB. Everything is digital, and I become quite transparent, so to speak, and can be scrutinized from top to bottom. Of course, it's sold to me as being for my own protection and my own safety. Exactly. One can argue that. On the other hand, of course, as I said, I become transparent or controllable. Mm. This means, if I'm not mistaken, there are certain programs in China, for example, with a social score. If I run through a red light three times too often, or don't do this or that, I might not be able to take the subway anymore, for example. Is that really a complete utopia? A bit like in the novel 1984, or is all of this slowly becoming reality, or do we need to worry about our personal freedom?
Yes, the EU, Mrs. von der Leyen said years ago that they see China as a bit of a role model, specifically in controlling people, because the EU has many more people than perhaps a single EU country, and she openly mentioned that they want to align themselves more and also examine the instruments available there for their own use. So, this means we must also expect that in the EU, there might be more social scoring, although one must say that the social scoring system in China, in the form we currently hear about in the West, is no longer so active. Yes, it has mainly moved into the financial sector now. So, you can imagine it like SCHUFA, if you have a bad SCHUFA score, that is, your transgressions, so to speak, go into a bad SCHUFA score, and then you have certain financial access or not, or you can simply no longer do certain things in the financial sector. With that, you can already exclude many people from all these things. But it doesn't mean that you can't do other things, especially within the framework of the EU ID Wallet, that if I introduce social scoring, then I can naturally also directly input certain penalties into this ID Wallet, because I will probably have to show my ID Wallet everywhere later, and then the person with the scanner will know relatively quickly whether I am allowed to do something or not. Yes, so we definitely have to consider that. Very briefly, could you give me a clear example of what that could mean for my daily life?
Well, it could be, for example. We also talk about healthcare or similar topics, that you might not be allowed to buy certain things at the checkout. Yes, that one says, you were undergoing alcohol withdrawal or something else, then you are not allowed to buy alcohol anymore or similar things, or perhaps the topic of weight will come up at some point, that you are then not allowed to purchase certain goods. That could be something simple. But it could also be that you don't have certain access if you can't prove certain health precautions. Yes, that could also be the case again in the future. And the next thing is freedom from money. So, we also have to expect that we will no longer be allowed to transfer money freely, especially not abroad. So, capital controls, by the way, these also existed in Germany until the early 1970s. Most people have simply forgotten that. It was lost within a generation. Capital controls mean that if you want to transfer money abroad, you need permission from the central bank, otherwise your transfer won't go abroad. And this is usually only possible if you are making transfers for, let's say, essential goods from abroad, then you can usually make the payment. But pure capital transfer is often no longer allowed. That's why it's also important, as you yourself have already mentioned, not to have money in just one EU country, but also in other EU countries, or even better, to have bank accounts outside the EU.
I find all of this quite scary. I can't think of a better word than to say it in English. Especially because for me, freedom in general is one of the most important life values. The question for you, this is planned at the EU level, these are not figments of the imagination or conspiracy theories, all of this can be read. Are all EU countries involved? Are they all in favor? Are there countries that are perhaps a bit more conservative or where their politicians say, this is not really what we want for our population?
Yes, the whole thing is crumbling in the EU. So, one must also expect an adjustment in the EU in the coming years, that we will not have the same countries, but that countries will decide to leave the EU as well. Precisely for these reasons. We have, above all, the Eastern European countries, which always have different opinions than the EU in the center, because these countries have experienced what they have already experienced, and they simply don't want it anymore. So, they experienced the same thing with the USSR, so, directives came from the central side, but they were not valued in their own culture, but it was always good for the center, but not necessarily for the country on the ground. And the Eastern European countries are now experiencing the same thing again, for example, Slovakia or Hungary, one reads about it again and again, as well as Poland, who are involved and say, well, first of all, we will definitely not introduce the euro. Yes, Slovakia unfortunately already has it, but they have secured themselves, for example, by enshrining cash in the constitution, so precisely against the digital euro, they have intentionally published that it will come, and then enshrined cash in the constitution again. So, these countries, as I say, they want to move away slowly, because even if they criticize, they will no longer receive funds from the EU. And we must also be clear that even the EU is mainly a money game. Yes, it's about the money of individual politicians and it's about the money of individual countries. And there are simply many countries in the EU that are only there because they receive transfer payments from the EU. This means they pay less into the EU than they receive from the EU. However, since the net contributing countries like Germany and others are increasingly having difficulties themselves, less money will come from the EU pot for individual countries. So, more and more will consider, do I really need the EU in this form? That's the first point, and the second is precisely this centralism, where directives come that these countries cannot use at all, which does not advance their own country. And we simply have in Eastern Europe, where they say: "Hey, we've been through all this crap before, we don't want it again." It's going in the same direction again, and therefore we can expect that above all, the separations will first take place in Eastern Europe, and then, of course, further friends will be found. Italy was also discussed at one point, and the gateway to Eastern Europe, Austria, too. There is a paper from the USA, a strategic one, where they considered what the USA thought, what are actually the strategic countries in Europe, and then they came to these countries, not the ones where you say, hey, Germany or France. No, it was these countries where they say, we want to have individual contact with them, not with the EU, we want to speak with them individually. These are actually the right contact partners for us. Yes, so you can already see this separation that is slowly coming in the EU, and I estimate that this will accelerate in 2026, and in 2027 we will probably have to expect the first separations in the EU. So, one can't even imagine it today. Yes, yes, absolutely. Absolutely. Three questions about that. The first is very simple, because the comparison was made twice. Would you say that what is happening or planned in the EU is actually communist or heading in that direction? Yes, one can put it that way. Yes. Okay, question number 2 is, so you expect that in presumably 2027, next year already, the first current EU countries will leave? Yes, my question about that is, will the EU break apart, or will there just be isolated, I'll say, Brexits? And question number 3, the countries you mentioned that might leave, Slovakia, Hungary, Poland, perhaps even Austria or Italy. Would you say that these countries will fare better in the coming years, or will it be a bit like Brexit, where they leave because they believe they can do better on their own, and from what one hears, Great Britain is not doing too well either?
Yes, it will probably be a larger schism. It usually starts with small things and then gets bigger. This means that several states will then withdraw. There was already the Visegrad Group with these countries. This means that we will form a kind of customs union again. Not like Great Britain, which was practically isolated alone on the island, yes, but they are more integrated. And Great Britain has nothing much around it economically, except the EU. But Eastern Europe has a lot towards the East. Yes, we have rapprochement with Russia again, we have the whole thing towards Turkey, down towards the Asian states, there is growth, there is huge growth there. This means that these states can orient themselves in this direction accordingly. And that's why it's also very attractive. Poland is now the fastest-growing EU country, one must also see that. GDP, right? Fastest growing GDP. Yes, exactly. By the way, I have been to Poland relatively often and for longer periods in recent years because I had a Polish girlfriend until recently, and I can only say that, especially in the big cities, people live well there. People live well there. I sometimes had the feeling that it's a bit like Germany 20 years ago. Yes. Yes. So, some will say that's a step backward, absolutely, but others will say, no, I know what you mean, Anschu, I know what you're saying. And that's actually what we might wish for, and what unfortunately some people in the German-speaking world no longer dare to say, because you are immediately branded and labeled. Yes. Yes. Exactly. So, from that perspective, these countries will orient themselves elsewhere economically, and will also form their own customs unions. And what was the second part of your question? That was the first part of the question. Exactly. Sorry, it was a bit complex, a bit convoluted. The second question was, if these countries leave the EU, perhaps even next year, will the EU break apart, or will it just continue to exist, smaller and more compact?
Yes, it will certainly continue to exist as long as there are net contributors. That's simply the issue there. As long as there are net contributors, they will continue. Probably in a smaller core that will increasingly develop apart. Yes. The issue with the EU is that it is currently transforming itself from an economic community to a military community. Mrs. von der Leyen announced that two years ago, that this would happen. It was hardly noticed at the time, but now it is much more so. So, this means it is being rebuilt into a, how should I say, military economy overall. And the question is, do you always want to be part of all of that? But a few countries will maintain the union. Yes, and of course, also with the euro, the issue of whether it needs to be restructured during this time, if, how should I say, a war economy is being built accordingly. That would also be an interesting question, what happens to the euro? The countries that leave will of course return to their old currency, perhaps then as a CBDC or a part of it. Mm. Question. And the next question is, what happens to the euro? As long as the EU perhaps continues to exist, even if smaller, the euro will continue to be used. Exactly. So, the small states will return to their own currency. You also had a part of the question earlier, it just occurred to me, and what happens to these countries? And one must say that most countries that are not in the EU in Europe are richer. They are the rich countries. Norway, Switzerland. Exactly. Two examples, Liechtenstein. Exactly. So, the countries that have kept out, that have done their own thing, because they didn't join the EU, they have a significantly higher standard of living. So, the EU in its current construction ultimately lowers the standard of living. Yes, that's a fact, one can see that compared to the countries that have improved around it. So, this means that some will leave, create their own currency, others will remain, and then it would naturally be an option to say that a redesign of the currency is necessary. This can be sold well to the population, and a redesign for the population, including, of course, the involvement of people, can be, for example, saying, okay, from now on, the digital euro will also be available, but your existing balances will be exchanged. An old balance is 80 out of nine. We need solidarity in the EU. Yes, we must stick together. So, the typical thing. So, from that perspective, this can be combined with a small currency reform at that time, in order to...
to save the Euro a little bit further. If you also look at what the predecessor model actually was, many don't even know that there was a precursor model. Over 100 years ago, there was the Latin Monetary Union. That was already a European monetary union without Germany, however, but many of the other states that are now in the Euro were also involved. So, what were the problems? The problems were practically exactly the same as nowadays, that some countries lived beyond their means at the expense of others, incurred higher debt, and wanted to use the community's creditworthiness. Back then, it was still about gold coins for exchange, which then led to there not being enough gold in individual countries, etc. So, what was then needed? Something had to be done to be able to dissolve this monetary union, yes, so that it could somehow be done. Back then, the First World War was then used to dissolve this Latin Monetary Union. Exciting. What I also find interesting is that there have already been several uh monetary unions in human history where different countries have joined together and said, we are now using one currency. So far, I believe in in Latin America there was something like that, but you are definitely the expert on this, and the interesting thing is that it has never worked over a longer period, because the currency is simply too weak for certain countries and too strong for others. Therefore, the big question is, why should it work this time with the Euro? Apart from that, I think you have now given us, or especially me, a very good overview of the situation in Germany, and also the situation in the EU. Thank you very much for that. I am also personally interested in it. And now it would be nice if we could get to what I think is a really important part, and that is what each individual can do for themselves. So, you don't have a crystal ball either. You have just explained to us what you believe could happen in the next few years, or what is already happening in part. But if you now say, yes, I agree with Jürgen, or even or at least partially, I believe he could be right on certain points. What can each individual do in the next few years if they say, I want to live a secure life and above all, I want to live a free life? So, do you have to move in the next few years? If so, which countries would be suitable? How can I best protect my money? Mhm. And what can I perhaps also do in the next few years to increase my money in this, because we feel like we are living in very turbulent, crazy times right now, right? So the last thing is very important, namely, because where there are risks, where uh how should I say, fluctuations occur, there are always opportunities too. So I am fundamentally an opportunity-driven person. I always have to talk about many negative things, yes, but I am fundamentally an opportunity-driven person too, from the whole um from the security of the countries. Of course, there is also the, let's say, the individual, where do they feel truly comfortable? You have to put that first. You can say, okay, in that country it would also be interesting and this one, but then the culture doesn't fit, or the food isn't right, or the temperature isn't right. So from that perspective, it's always difficult to find such a country. Yes, so the topic is certainly for those who are in the EU or in Germany, the first thing to have a certain protection would be to be outside the EU. Um, also the topic of military service or similar, if applicable. Yes, you also have to reckon with that due to the war readiness that has been called for accordingly. Um, for many, Switzerland would naturally be close by, but they have also already said that they will stop accepting people at some point. Um, so probably at 10 million people, if they reach that, they don't want to accept any more. They are currently at almost 8 million, right? Yes, exactly. Exactly. Almost 8.5 million, roughly. So between 8.5. So then it would be game over with all of that. So you might have to leave the mainland somewhere and go somewhere else. It can be Asia, uh it can be Africa, it can be South America. So the question is, can a country that is significantly closer, a country like Hungary, Poland, Slovakia, perhaps even Austria, that speaks the same language, be an option if they leave the EU? Exactly. Then yes, then yes, then yes, exactly. That would then be the topic again that one could then accept, if if they leave, then one would find more security there accordingly. So that's why always outside the EU would be the next thing, because otherwise I am exactly in this sphere of influence. It's like in the past, if you had been in the USSR, then you would have had to be outside the USSR for more freedom back then. That's simply been the topic. Exactly. So that's the first thing, um, from from one's own personal security. The second is money security. So there, uh the thing is that I simply have to get foreign accounts, that I have more assets outside my own country of residence, that is already a thing that one should usually never have the highest assets where one lives and resides, because something can always happen, yes, to oneself personally, and then the state immediately has access, and if we as individuals are cut off from the money tap, then you are actually out of the system, yes? So then you no longer have access. That is very easy to arrange nowadays. And that is why it is important to also have assets outside, um, I should say, the EU or Germany, or accounts, above all, to have. There I can also put other assets in again. Likewise, of course, what happens there will affect the Euro. That means, if I have 100% of my assets in Euro-denominated assets, then I have a currency risk of 100%. If I look at the past, in Germany alone in the last 150 years, I have already experienced six currency reforms, then it means in principle, yes, then it can happen that my money is suddenly worthless, that my entire assets that I have built up, or that perhaps the family has built up over generations, are gone. That means, therefore, I would also have to place my funds outside the Eurozone, so also outside the Euro, exchange the Euro itself into another currency or into other assets that I might value in another currency. That means, in short, short version, um, contradict me if you like, or or supplement it if you like. So, best to have an account in Switzerland, in Liechtenstein, Norway, Singapore perhaps, or something like Hong Kong. Then, preferably different currencies, meaning a part in Euros, a part in US dollars, a part perhaps in Swiss francs, and then probably still, most classically, it's best to have gold, physical real gold, and perhaps not necessarily bury it in Grandma's garden or in a safe deposit box at the savings bank, but also outside the EU. Then perhaps a part in crypto, because in the best case it is decentralized. Mhm. Exactly. Right. Is that Is that all exaggeration? Is that all fear-mongering, or is that simply really um smart preparation and simply protection against what is likely to come soon? So, if I look at where the big money flows are going, not what's in the news, yes, because that's actually just, how should I say, steering the population, what's in the news, but what the big money flows are doing in the background, then it's going exactly in this direction, they are positioning themselves exactly in this area too, commodities. Commodities will be a very strategic area for the next 10 years. Yes, so it has actually been neglected in the last 15, 20 years. It was all about digital commodities. Now it's about physical commodities again. We are experiencing it now, if there is no oil, then the gas station is empty. So, it's no use. That means it will be much more strategic, even the oil that was actually condemned is coming back more, but also many other um topics. That means, therefore, commodities will be traded internationally again more than currencies, actually. Yes, that means, therefore, um in the commodity sector, one can also expect good investments for the next for the next decade in general. So this sector will simply benefit from the things that are happening here, because people need more physical background for it again, even if I have it stored digitally somewhere, but there must still be a physical background somewhere, um from which I can benefit. That means, therefore, everything that represents value somewhere, that will benefit greatly from it in the coming years. Important, of course, we are talking about over-indebtedness in the EU and in Germany. That means, therefore, German government bonds, you can already see, they are being sold off by big money. So, one assumes worse and worse that Germany can really maintain its creditworthiness in the next decade, which one sees. Only if you feel like it, do you want to do a brief summary of what you personally believe will happen in the next 2, 4, 5 years? Firstly, and secondly, how you are positioning yourself, preparing, or also protecting yourself. A kind of small roadmap. So overall, it will be a breakdown of the old constellations everywhere. Be it of the world monetary order. Likewise, but also of political orders. We are already experiencing it now, that the USA is separating itself a bit worldwide. Um, that coalitions are already breaking up, that these old coalitions between countries are no longer holding. Uh, that means, therefore, firstly, as we said, in the EU, we will get a restructuring of the EU here, which will no longer be as it was before. This will also have an impact on the Euro. That means, therefore, a Euro devaluation, a devaluation. Firstly, through inflation, and secondly, through its external value. How it can be exchanged for other currencies. Um, this will take place, and the world monetary order is changing. We have uh at two states or one or two financial systems that we have now. We have the Western financial system and the global South. The BRICS countries are also building their own financial system. That is a very important factor. So, is that is that gold-backed, or do I have something wrong in memory? So, it is currently planned with the working name unit that they want to create a gold-backed trading currency. no, it's not the Euro again, very important, yes, so not a joint um together, but it is a trading currency, um that is gold-backed with 40% and will build their entire payment system around it. So, that is happening, a division again, and then we will have the system again, um one financial system and an East and West system, if you will. Yes, now it is a North-South system, but the problem is, our financial system is currently developing like the Soviet financial system back then. So, that is why it is important that this breakthrough takes place. We are also experiencing it at the moment with the Iran conflict, with the weakening of the petrodollar. That means that oil is generally invoiced in um in dollars worldwide. This is already dissolving more, is already being invoiced more in Chinese Yuan, and thus the USA loses a very big leverage, which provides between 500 billion and a trillion dollars per year for refinancing and thus finances its military. So, that means, therefore, now for the positioning, firstly, I have much less money in the Euro at all, so really in the currency Euro. Uh, I have less, I have almost no money in Germany. and the EU. Um, next, of course, topics, I am going more into the upcoming growth segments, so we are talking about commodities etc., what one has, and I am shifting money, especially into the BRICS system, because it may happen that we can no longer simply make payments between these two systems, and then I will also have corresponding assets stored in the BRICS system. The whole thing, so that is what is happening, once on the political side, and then also on the financial side, that we are suddenly getting this split of a unified financial system again. Great, thank you very much. So, simply, I'll put it in one word, position yourself as diversified as possible and perhaps don't close your eyes to what could come and tell yourself, everything has worked wonderfully so far. Why should I change it, right? I think the biggest mistake is not being mentally flexible. Mhm. Exactly. And to say, just because it was like that for the last 20 years, it will continue to be like that for the next 20 years. And I think many people forget very quickly what has happened in the last 100 years and and what crazy things have happened, which people at the time thought could not actually happen, right? So, for example, I believe very few can imagine that the EU will really break up or the Euro will disappear. And yet these are things that have happened again and again in the last hundreds of years, right? Yes, it's not meant to scare anyone, but it's simply, we have to face reality and then say, okay, developments are coming here, and then everyone can prepare, and then the fear is also gone. Yes, Jürgen, I have learned a lot again in this conversation, even for myself. I hope the viewer has too. What we have just talked about is your daily bread and butter. You are the absolute expert on this. Where can one learn more from you? Where can one find more about you? Exactly. So, firstly, there is of course the YouTube channel, where I illuminate many of these topics in individual videos, also about many of the topics we have discussed today. There are individual videos on the Geldmehrwert channel. And secondly, of course, on our homepage geldmehrwert.de. There are corresponding offers on how you can benefit from my knowledge and how you can also position yourself more financially freely. I think freedom is one of the most important things in life. And even if none of us knows what will really happen in the next few years, in my opinion, there is one thing that is essential to be able to live freely. And that is that you earn your money independently, meaning online, because only then can you really decide in which country you want to live, when you want to work, and how you want to work. That is why I have made a video on exactly this topic. I compare the most common online business models for beginners and analyze which ones really work well and which ones don't. So, if you want to earn money online in the future, then definitely watch the video. And below that, you will find another video by Jürgen, which has now over 160,000 views, in which he explains how an AI controls your bank account and what impact that has on your money. Enjoy.