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The Smart Money Is Already Moving
Silver's spiking, credit markets are cracking, and BlackRock just told Davos the old financial system won't survive. Here's how to lock in gains before the next shoe drops.
Economic Ninja
January 26, 2026
Ninja News 1/26/26
January 25, 2026
💀 Mortgage derives from French "death pledge" because the obligation ends only when fulfilled or the property is foreclosed, with interest payments representing money permanently lost to the bank that enables purchasing multiple properties.
📊 Amortization schedules reveal that early loan payments allocate a higher percentage toward interest rather than principal, frontloading the bank's profit while most borrowers never review this breakdown provided at signing.
🔄 Refinancing resets the amortization schedule, forcing borrowers back to paying predominantly interest instead of principal, and most people fail to apply their payment savings toward principal reduction, resulting in higher total costs.
💰 Using amortization calculators to model applying windfalls like inheritance or yearly bonuses directly to principal demonstrates significant reductions in loan maturity dates and total interest costs.
🏠 The optimal wealth-building sequence prioritizes paying off personal home mortgages first for financial security, then investing in rental properties where the strategy shifts to maximizing cash flow rather than mortgage elimination.
January 25, 2026
🏦 Germany holds world's second largest gold reserves at 1,236 tons worth $122B and is considering repatriating gold from New York for strategic independence as stated by Bundesbank
🔍 Germany's 2014-2015 delegation to verify US gold holdings resulted in an angry report claiming the US no longer possessed Germany's gold, despite minimal media coverage
🇨🇳 China promotes gold ownership through government billboards encouraging citizens to buy while simultaneously restricting gold and silver exports as part of national precious metal accumulation strategy
💰 US strategic base expansion in Venezuela, Greenland, and Colombia will increase GDP through money printing, creating disconnect between reported GDP and actual economic reality faced by Americans
=🪙 Owning physical gold represents a moral stance against central banks as real money, with government debt levels and policies designed to keep citizens in financial bondage through debt control mechanisms
January 24, 2026
🎯 Ninja recommends taking profits during silver price spikes to pay off debt permanently, creating a positive psychological association with silver as a wealth-building tool rather than holding indefinitely.
💰 Strategy involves pulling out initial capital from profitable positions to reinvest elsewhere, allowing remaining position to grow as pure profit while diversifying across multiple assets.
⚠️ Coin shops and dealers may refuse to buy silver during price spike volatility, leaving investors unable to liquidate positions when needed, plus significant tax implications require proper planning.
📈 Silver projected to reach parity with gold as long-term investment, but Ninja warns against expecting this overnight and cautions about panic buying mania during current spike.
🔮 Ninja believes XRP could eventually reach $10,000 each, demonstrating extreme long-term price targets for alternative assets beyond precious metals.
😔 Ninja became jaded after helping people invest in crypto only to watch market crash, now prioritizes educating investors on market cycles and exit strategies to prevent similar disappointment.
January 23, 2026
📰 By the time private credit meltdown news reaches mainstream media, it's too late to act as informed investors have already exited their positions, leaving retail investors exposed to losses.
📊 Volume, not price alone, determines asset value across stocks, crypto, and bonds—when buyers disappear, sellers overwhelm the market causing rapid price collapse regardless of fundamental value.
💰 Private credit market exploded from $3.4T in 2025 to projected $4.9T by 2029, with auto industry bankruptcies triggering Wall Street warnings about this increasingly risky asset class.
🏦 JP Morgan revealed Q4 lending exposure to non-bank financial firms, connecting the largest US bank directly to risky private credit lenders and their volatile portfolios.
💵 Credit meltdowns trigger stock sell-offs and depress gold, silver, and Bitcoin prices through forced deleveraging, making cash the dominant asset during market crashes despite precious metals advocates' resistance.
January 11, 2026
🏆 Gold-to-real-estate arbitrage during 2008-2012 crisis: buying at $700/oz, selling at $1,900/oz peak when real estate bottomed, then deploying proceeds into depreciated properties with leverage created exponential wealth multiplication.
💰 Silver-to-real-estate conversion strategy turned $50,000 in silver into $1 million by using precious metal gains as down payments on cash-flowing properties and leveraging bank loans during the last recession.
📊 Taking small wins by selling portions of doubled or tripled investments in silver or crypto, specifically pulling back initial investment to secure profits, proves more prudent than holding everything through potential crashes.
🎯 Tax liens deliver 8-36% annual returns with state-guaranteed payouts within specified periods, focusing on interest collection from property owners paying back taxes rather than property acquisition.
⚡ Tax deed purchases can nullify existing mortgages through stealth foreclosure waves increasing due to COVID-related payment reprieves, creating opportunities when counties auction properties after extended non-payment periods.
🚀 Tax lien students achieved payoffs ranging from weeks to months, demonstrating underrated real estate investment potential that few investors understand or pursue despite significant money available in this niche.
🏠 Hyperinflation in housing prices could occur if government introduces 40-50 year mortgages with low rates for good credit borrowers, similar to FDR's historical mortgage term changes, potentially creating permanent high home prices.
🎓 Winner's mindset develops through consistent financial victories, enabling investors to recognize genuine opportunities during historic economic changes when having a game plan and integrity becomes critical for adaptation.
January 22, 2026
🏦 BlackRock CEO Larry Fink declared tokenization of real-world assets necessary at Davos, citing lower fees, fractional ownership, and instant transfers as critical advantages over the current slow, expensive, and outdated financial system that won't survive the next decade.
🤝 Fink's alignment with Citadel CEO Ken Griffin at Davos represents planning, not speculation, by the world's largest asset manager and largest hedge fund manager, signaling institutional commitment to tokenization infrastructure.
📊 BlackRock's 2026 outlook explicitly positions tokenization alongside AI and digital assets as key structural shifts, with their spot Bitcoin ETF reaching $70B AUM as one of the fastest-growing ETFs in history, proving digital rails absorb institutional capital faster than legacy systems.
🌍 Fink cited Brazil's Pix and India's UPI as operational proof that hundreds of millions can transition to real-time digital finance at scale, demonstrating an operational shift beyond theoretical frameworks.
⚖️ Fink's admission of a crisis of confidence in institutions positions tokenization as a trust-rebuilding mechanism through transparency, automation, and access, while simultaneously raising concerns about potential centralized control and financial surveillance at scale.
January 10, 2026
🏦 Equity stripping works by encumbering property with debt to create liens that make the asset unattractive to creditors while the owner retains cash flow control, effectively reducing the probability of creditor attachment to the property.
💰 Even an unfunded HELOC (Home Equity Line of Credit) displays a higher loan balance on public records, making it difficult and costly for creditors to pursue equity recovery without requiring actual monthly payments or debt service.
⚖️ Friendly loans from personal connections are frequently dismissed as fraudulent by courts due to lack of due diligence, proper documentation, and payment history, requiring a complete paper trail of timely payments to withstand legal scrutiny.
🚫 Implementing equity stripping during active legal proceedings is considered improper by courts and classified as fraudulent transfers intended to hide assets, requiring these strategies be executed well in advance of when protection is needed.
🏠 Homestead exemptions protect only a fraction of home equity, making funded loans like HELOCs or second mortgages necessary to limit exposure to legal claims, though these require monthly payments and carry higher risk.
🔧 The strategy applies to both personal homes and investment properties, but requires attorney consultation since trusts may not fully protect assets from legal judgments in all circumstances.
January 20, 2025
💰 When silver doubles or triples from your entry price, pull out your initial investment and take profit while leaving remaining position to capture potential upside—this protects against total loss if prices crash while maintaining exposure to further gains.
⚠️ The "silver lottery phase" triggered at $31/oz (up from $11-22/oz range) is creating dangerous mania behavior where investors take loans to buy silver expecting immediate dollar collapse, mirroring the 1981-1982 silver surge that ended in violent price reversals.
🤖 Many social media comments promoting "hold forever" strategies are fake or AI-generated, pushing a lottery ticket mentality that prevents realistic profit-taking and leaves inexperienced investors vulnerable to losses.
📊 Expected 2026 volatility will create both opportunities and casualties—investors who don't adapt profit-taking strategies to changing economic cycles will "learn the hard way" through substantial losses.
🔥 Ninja funded silver purchases through 13 years of side business income while working as full-time firefighter, emphasizing the importance of using side hustle money rather than borrowed funds for speculative investments.
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