Money touches every part of our lives, but what if the very system behind it is designed for control, not freedom? In this episode, Richard Canfield and Jayson Lowe sit down with David Morgan, known as the Silver Guru, to expose the storm building beneath our financial system. From the rise of central bank digital currencies (CBDCs) to the role of silver and Infinite Banking in protecting families, this conversation reveals practical steps to reclaim control before the next shock hits.
Who is David Morgan?
David is widely known as the “Silver Guru.” He’s the author of The Silver Manifesto, the voice behind The Morgan Report, and the creator of the upcoming documentary ‘Breaking Free from the Stress, Fear, and Control of Money” by Silver Sunrise, which explores how centralized money erodes liberty. Because he’s spent decades analyzing monetary policy and precious metals, his perspective is both historical and refreshingly practical.
- Read: The Silver Manifesto
- The Morgan Report
The Core Problem: Money, Power, and Control
For many people, “money” is whatever appears in their bank account. However, currency isn’t always a form of money. Real money stores value over time. Fiat currencies, such as USD, CAD, and EUR, do not. Therefore, the more we rely on debased currency, the more control we hand to the issuers.
CBDCs (central bank digital currencies) are often pitched as ‘innovation.’ However, in reality, they enable programmable restrictions. As a result, your ability to buy, travel, save, or donate could be throttled by policy or algorithm or both.
Bottom line: Programmable money = programmable behavior.
Why Silver and Sound Money Matter
Silver is tangible, divisible, and historically reliable as a store of value. Additionally, it serves as a monetary ‘vote’ outside the fractional reserve system. Furthermore, in local markets and real communities, trust in tangible value often outweighs reliance on digital apps.
But don’t view silver as a magic bullet. Instead, treat it as a pillar in a broader plan that includes cash flow, financing discipline, and education.
Infinite Banking + Sound Money: A Practical Pair
If you practice Infinite Banking (IBC), you already know that the aim is to control the banking function in your life. In other words, you finance life from your own system rather than someone else’s.
- Start with a properly designed dividend-paying whole life policy.
- Build liquidity and borrow against cash values to capitalize on opportunities.
- Then, when appropriate, you can acquire sound money or other productive assets without draining your capital base.
Want the family-level view? See how our Family Banking System® keeps more financial energy cycling inside the household, not leaking out to third parties. And if you’re new to the concept, start with “Becoming Your Own Banker“ to grasp the process, not just the product.
Related reading on our site: 290: Infinite Banking Risks—What They Are & How to Avoid
CBDCs: The Trojan Horse (Explained)
- Narrative: faster, cheaper, modern payments.
- Reality: programmable rules around where, when, and how you can spend.
- Result: your money becomes a policy lever, not a personal choice.
The solution is independence on many levels: emergency cash, tangible assets, decentralized value, and a financing system you control..
What To Do Next (Step-By-Step)
- Gain clarity by reading “Becoming Your Own Banker” and reviewing our Family Banking System overview.
- Secure liquidity – Establish (or expand) your IBC policy for stable, contractually growing cash values. After that, acquire sound money. Add silver in sensible denominations (e.g., 1 oz coins). Ultimately, prioritize utility over hype, rather than chasing trends.
- Acquire sound money– Add silver in sensible denominations (e.g., 1 oz coins); consider utility over hype.
- Use disciplined financing – When you borrow against your policy, repay it, and whenever possible, repay with extra funds to expand your system.
- Vote with your dollars – Support local enterprise. Keep more capital cycling inside your family and community.
Key Quotes & Ideas from David Morgan
- “Freedom means freedom to choose.”
- “CBDCs enable programmable money and therefore programmable behaviour.”
- “In practice, energy and labour underpin prosperity; money should reflect real value.”
- “Quality over quantity in spending and in saving creates resilience.”
FAQs
Isn’t silver too volatile?
Yes, silver can move fast. However, its long-term role is a store of value outside the fiat system. Manage position size, and think in years, not weeks.
How does IBC help here?
IBC centralizes your financing inside a mutual structure you co-own. Consequently, you gain liquidity, flexibility, and control while keeping capital compounding.
Should I sell silver to raise cash?
Not necessarily. Depending on your overall plan, borrowing against existing assets (policy values or metals through approved lenders) can preserve ownership while meeting cash needs. Continually assess interest costs, collateral risks, and buffers.
Will CBDCs replace cash immediately?
Unlikely. They’ll coexist first; then, gradually, cash access shrinks. That’s why building parallel resilience now is so essential.
Ready to Build Real Financial Control?
Book a no-pressure call with our team. We’ll map out how Infinite Banking + sound money can fit your situation step by step. Schedule a Clarity Call
Or start learning within our client education ecosystem: quarterly coaching, one-on-one guidance, and a library of practical tools to help you implement with confidence.