10 Steps to EXPLODE your Wealth during the Trump CRASH.

hi I'm me Kevin in this video we're

going to talk about 10 things to protect

your money whether or not we're going

into an economic downturn let's get

started the very first thing that you

need to do is think about accessing

Capital while it's still possible to do

this this obviously won't apply to

everyone but about 2third of you are

homeowners now is an interesting time

even when rates are high in the near

term to potentially look into a

refinance but I want you to do something

special I want you to take negative

points now this video isn't going to be

about the real estate market but let's

give you a quick synopsis in certain

overbuilt markets especially after the

co boom we're likely going to continue

to see prices decline in some markets

for example if you look at Austin Texas

last three years year-over-year I've had

negative prices year after year that's

because we had a CO bubble overb build

over Supply all of a sudden the rush of

people moving there slowed because

others weren't squeezed out of areas

like California under you know the

extremeness of some of the lockdowns

California faced this isn't designed to

be political either it's just simply to

say the fact the Austin real estate

market has been down year-over-year for

the last three years in a row what you

want to do as even if rates are high is

consider refinancing to tap some of the

equity if you have equity in your home

so for example if your home value is

ballooned up even if you have a lower

interest rate locked in let's say if you

have a $200,000 loan locked in over here

uh and now your home is let's say Worth

or let's say it was worth $800,000 you

know whenever you got your loan it was

worth less uh and now it's come down a

little bit let's say now it's worth

$700,000 or whatever it is 620

whatever it could make sense to

refinance even though you're losing that

lower rate you could potentially access

more Capital this is going to become

very important for when we get into the

buy the dip phase because let's say you

have now $400,000 of equity that you

could access you pay off your old loan

you obviously have to make sure you can

afford the 30-year mortgage payment that

you're doing on this uh but what you've

done is you've freed up the difference

you now have access to $200,000 and more

Capital that's really important that you

don't go below that money on like an RV

or something crazy instead be ready be

prepared uh to buy the dip because

that's what we're going to talk about in

the moment as well and those could be

business opportunities they could be

stocks they could be real estate

wherever stress shows itself and as

Buffett always says wherever blood ends

up on the streets that's the time to get

greedy right but you need access to

Capital to actually do anything so what

I like to say is consider using that

piggy bank of of your home or of your

rental real estate or whatever just to

have access to Capital now again don't

blow that money that's it's very car

very dangerous to utilize your real

estate Equity because often often times

what people do is they'll pay off credit

card debt and they'll get right back

into credit card debt that's a big

mistake so you want to be careful with

what you do with this this needs to be

strategic but this video is is for

adults so what's also important is that

you take those negative points in my

opinion this is not personalized

Financial advice for you this is Broad

advice for you to consider when you talk

to your mortgage loan originator your

lender okay in English your lender when

you talk to them I want them to give you

Nega ative points as an option for you

to consider I would like negative points

and ask for menu so ask for a menu that

gives you

.5

-115 -2 uh and then dog3 okay so give

you a

menu all right why would you do negative

points first and what does this even

mean if the economy enters a downturn we

would anticipate that overtime interest

rates are going to

plummet we can't guarantee this but if

there's a downturn and you want to use

that potential capital on an opportunity

interest rates are likely to plummet

when interest rates plummet the goal

would be to refinance this debt that you

took on that $400,000 lower no

guarantees obviously if the property

values go down that could be a risk so

you want to be comfortable paying that

payment what negative points allow you

to do

is lower your closing costs now so let's

say you have closing costs of your

refinance to get that $400,000 of $8,000

now what some people will do is they'll

do what's called a rate buy down and

they're like look it's going to cost me

$88,000 to refinance uh and I'm going to

get a rate of let's say

65% so some people are like oh that's so

high so they'll actually choose to pay

$122,000 and they'll take an interest

rate of let's say

5.9% so now they feel like they got a

better deal but they spent an extra

$4,000 okay the break even on that at

minimum is going to be about 7 and 1

half years realistically the break even

on this difference over here it's

probably going to be closer to 10 to 12

years so that extra investment you're

making for the savings and the monthly

payment it's going to take quite a while

to break even not always you can do the

math yourself that's why I say get a

menu and do the math based on what you

get but here's what I like to do I

actually like to get negative points so

what I say is I don't want to pay

$88,000 I actually want you to give me

$88,000 and cover those closing costs

give me a higher interest rate so I

might go in and say give me a

74 and I want my closing cost to be zero

in other words they gave me -2 points to

cover my closing costs right that might

be the -2 option over here now all of a

sudden I have more access to Capital yes

I have a shorter term higher rate but if

the economy does end up falling which is

when I would use and deploy that Capital

anyway I should be able to refinance

again predicated on home values and you

having a job to do that so as with any

strategy there is risk and you have to

go in knowing this now another strategy

that people like to take advantage of uh

in these these environments and again

they're upsides and downsides with

everything but I like home equity lines

of credit so let's say you're in this

situation where you own a home and you

have uh a 2.9% interest rate on your

$200,000 loan and you're like Kevin I

don't want to get rid of that loan I

don't want to refinance that at higher

well okay that's smart that's logical so

what you do is let's say you have a

$200,000 loan and let's say the property

uh is worth

$800,000 uh in value so you have all

this untapped Equity right here so what

you want to do you want to hop in with a

home equity line of credit uh for let's

say you know up to 620 that'd be 80%

maybe you could get up to 90% go to a

local credit union for these by the way

usually the bigger Banks like the big

four Chase Bank of America they're not

going to have good options for this go

to the local credit unions so whatever

County you're in that County Credit

Union type that into Google you'll get

plenty of options ask them what their

HELOC programs are they'll often even

wave your first year like application

fee sometimes even they'll wave your

appraisal fee okay so you have the

difference of 80% of that so let's say

620 you have the difference of this and

this available you could get a what is

that uh

$420,000 oh that's perfect

$420,000 uh potential line of credit on

this property uh now you might be saying

yourself but Kevin interest rates on

this line of credit that's insane you

know I'm going to pay uh 10% in an

interest on this credit line that's

insane no you're not not going to use it

so take the equity line of credit

establish the

credit so money tool number two is

establish the line of credit okay number

one was negative points and and

establishing credit that way number two

is get a

helck a home equity line of credit

charges you no interest until you

actually write the check and use it

imagine that a HELOC is just like

opening or applying for a credit card it

doesn't mean you're paying 10% on the

$420,000 or 22% of your credit card just

because you opened the credit card you

haven't spent anything yet okay well

when are you going to spend something

you to spend what it makes sense to

spend you know and there's a a great

foreclosure that you know you can get a

great deal de on and and acquire or buy

a great opportunity and in business to

expand or whatever you want to home

equity line of credit to give you access

to Capital when you need it the most now

there are risks with this obviously the

rates are higher again the economy goes

into a down term these are variable so

you see what the terms of these are uh

they're usually a 10-year term uh and

then they go into a 20-year fix

thereafter so they're variable for 10

years you could draw on it you could pay

it down draw on it pay it down down it's

like a credit card after 10 years that

goes away it locks and you repay it back

over 20 years fixed fully amortized at

that

point if you don't know what some of

these things

mean sorry the video might just be that

next level at the moment but we got to

talk about next level

Finance ask GPT about the little in

between things

so the helocs give you a tool but there

are risks associated with them mostly

that in 2008 credit lines were starting

to get Frozen they would issue credit uh

line freezes and that's because the

banks would go risk off this is another

reason why you want to start considering

establishing Credit Now establishing

loans now because credit is still

available right now sometimes in a

recession credit becomes unavailable

banks are unwilling to lend and so they

freeze lines so once you start hearing

rumors about this happening or you start

seeing some banks do it usually what

people do is they'll take that 420 or

whatever their available credit is

they'll move it into a savings account

they'll pay the bite the bullet a little

bit on the interest but they'll realize

I now have access to that Capital should

I need it as a rainy day fund basically

okay good so that's number

two now number

three is also a double-edged sword you

have to be careful about this one in

terms of how you do it um well as for

when it comes to business but that's

okay so we'll separate these you know

what we'll do number three personal and

then we'll do number four business

that's how we'll do it so the personal

one is a lot easier and this one we're

not going to spend a lot of time on

because it should be very basic okay so

delay number three is just delay do you

really need a bathroom remodel right now

do you really need a new roof right now

can you patch the roof do you really

need a new car right now can you make

yours work for a little while longer do

you really need a new washing machine

right now can you fix it I've personally

dismantled washing machines and dryers

and multiple times with a $25 part fixed

my ,000 washing machine and prevented

having to buy a new one they take time

but they're kind of like weekend warrior

projects anyway I find them kind of fun

so I'm a big fan of delaying Capital

expenditures for as long as you can in

more uncertain times so that way you can

build up cash reserves that's very

important so big fan of this all right

that was more obvious the uh number four

version is the business version of this

now this is more

challenging because uh the easy the

easiest way to explain this one is uh

through an anal or a little story uh I

don't know if it's true or not but it's

just a it's it's very functional it'll

really explain this one

well uh college educated son goes to his

father and says father father we're

going into a recession and the father

owns a um uh a you know knick-knack

store on let's say you know Route 66 or

whatever and uh they have a sign a giant

billboard on the side of the highway so

you know here's the highway and uh

they've got a giant billboard over here

and we'll call it uh some store we'll

call it Nicks uh knicknacks okay cool

and uh it's that way you know two miles

is what the sign says there fig your

sign all right cool so College Educators

father father we're going into a

recession you know we we need to be

careful like we should we should you cut

spending at the business business is

over here this is where Nick sells his

um you know

knickknacks father says oh my gosh son

like all these reports this you're right

like we we should cut our spending my

goodness you know you know what cost us

a lot of money every month that damn

billboard let's uh let's cut the expense

on this this and uh let's let's you know

get ready for for a potential recession

uh and uh all of a

sudden people don't know about Nick

knicknacks anymore and oh my gosh my

sales are plummeting what is going on

says Nick Nick is very

sad my goodness son you were right A

recession is

coming meanwhile the Billboard's empty

nobody knows about a store right so on

the business side there's a complexity

when it comes to cutting of cutting like

you know cutting off the hand that feeds

you so to speak so you have to be very

careful there's a lot of nuance that

goes into the business side but uh there

are often things that you know on a

macro basis could be considered for

delay or Cuts usually what businesses do

uh is they will delay risky Capital

expenditures right so let's take my real

estate company for a moment uh house

hack it's real a company if you're an

accredited investor you can invest in it

this isn't a solicitation for it and if

you're not accredited we have a a non-

accredited round coming soon we're

advertising bonds at 5% and they convert

into stock if the value of the company

goes up blah blah blah more details on

that different video different topic

this isn't place for it but what we've

done is you know we've realized we have

many options to rapidly uh expand the

business in uh in potentially slightly

more risk on moves uh and for us like

for example certain types of lending uh

real estate related or you know ftech

style lending in places where it doesn't

exist in the real estate market based on

equity and homes Beyond what's available

with traditional

lenders going into a recession uh that

last portion of equity is the most

uncertain in a property and that is the

greatest risk so it might make more

sense to delay uh risky allocations of

capital like that in addition businesses

usually will cut extraneous staff again

you don't want to cut the hand that

feeds you but extraneous staff where

where projects can be handled inside

that are great enough to handle uh the

progression of the business but

extraneous staff for potentially those

expansionary projects or hey you might

be useful one day those are the first

sets of staff to unfortunately get laid

off the earlier businesses do this the

more Capital those businesses preserve

the more insulated they are going into a

potential uh risk on environment and the

more at a more opportune time they are

able to deploy into that risky uh you

know riskier move which could be a big

growth move for the company like oh

maybe maybe Nick snck Knack is like you

know what we're going to invest into

making this an electronic billboard

right so let's say it was a regular text

textual sort of paper cardboard

billboard if you will a painted

billboard

whatever uh maybe they want to invest

into an electronic one well this is the

paper one is probably good enough right

now because the electronic one comes

with risk you know you might convert 100

cars on the metal one how many cars are

you going to convert on the electric one

well we don't know that's a question

mark you could convert 200 cars but you

could also convert 50 cars so there is

risk in in something that seems like it

would be a Strategic investment

but usually companies during uncertain

Economic Times say let's not explore

what that question mark is because we

have less capability in a recessionary

time to handle the potential negative

externalities of a of the downside risks

of this that we're unaware of you know

hindsight is 2020 but when you're making

decisions for the future it's very

difficult to say oh yeah with certainty

X will happen nobody knows with

certainty what is going to happen so

delaying risk staff layoffs extremely uh

so uh the we talked about the ad risk

okay good so that's that's enough on Biz

let's now talk about a number five okay

so number five has to do with your

personal Credit Now personal credit is

very interesting I recommend if you

don't already have this you know you

should know what your credit is download

an app like credit card it's is not

sponsored uh or or whatever you know

there are plenty of apps that like let

you check your credit and uh go in the

App Store uh download some form of app

uh and figure out what your credit is

and then what I want you to do is I want

you maybe after you establish your

credit but I'd rather you do it now

because you could always unfreeze what I

want you to do is I want you to freeze

your credit the worst thing that could

happen to you is there's a downturn in

the economy and then all of a sudden you

lose your job you're trying to get a new

job and they run your credit for your

job and your credit score is 400 because

somebody stole your identity and oopsy

dupsies now you don't get the job or you

can't get the loan or you can't start

your business at the most opportunity

time to do it because you know somebody

hacked your identity everybody has your

social security number and date of birth

already they're on the black market

they're available you're just waiting

for that scumbag to go into Macy's open

a credit card using a fake driver's

license with their picture on it and

your name and date of birth on it and

then they type in your social number

into the little pin pad and boom they

steal your credit racking up thousands

of dollars of expenses at you know Mac's

or wherever and you don't even know

about it it's how easy it is to seal

your

credit I want you to know that this is

free okay you do not need to I mean you

can uh but there are plenty of companies

that offer these credit lock features

and you have to be careful there's a lot

of branding around this they try to sell

you $30 monitoring Services a lot of

these monitoring services are really

just insurance and they say if your

credit gets ruined will help you pay out

some money to you and try to get back on

your feet good luck it takes forever to

get the claims done and all this it's

better when that scumbag goes into

Macy's and steals her credit I don't

really want to deal with monitoring

where somebody's going your credit was

just stolen thanks bro and I don't

really want to deal with an insurance

company going hey I got robbed here

insurance will you pay out on this well

you know on Section 72 of our terms and

conditions and and I just don't want to

deal with that headache I I'd rather

some scumbag go into

Macy's and they try to put my credit uh

number in and my name or their name my

date of birth or whatever and social

number and Macy's runs my credit and it

comes back

0000 okay my credit comes back 0000

they're not going to issue me credit at

Macy's and that's exactly what a credit

freeze

does now these are now uh by law

mandated to be free uh so they are free

credit freezes uh I'll just use these as

bullet points now uh what you're going

to Google is you're going to Google

Experian credit freeze uh eifax credit

free and

Transunion credit frees they're free you

should do it now because otherwise

you'll never do it if you're anything

like me you'll never do it unless you do

it right now Google these Google credit

free and then here's what you really got

to

know you can unlock it at any time it is

a little bit of a pain in the butt

because you got to get log in you got to

save your two Factor your username

password obviously save that all in a

safe place uh and to unlock it you have

to log in and press unlock and usually

what I do is a temporary unlock so it

automatically refreezes in the future so

just consider

that all right next this one's um a

little more basic but I I don't think

people really understand the risk

sometimes that they're exposed to in

jubilant markets everything goes up meme

coin

unprofitable companies profitable

companies Great companies bad companies

and everything in between everything

goes

up problem is

what what happens when it comes down and

so you really want to

drisk something to remember is

cryptocurrencies for example and this

isn't a bash on cryptocurrencies it's

just a fact have not been through what I

would consider a real recession you know

in 2020 we had a lot of pain but we got

bailed out we had a 30-day basically

recession and it was basically v-shaped

recovery right this is the most money

printing we've ever seen in the history

of money printing it was ridiculous

there'll be a lot of hesitance to this

today which actually could potentially

draw out a recession

but cryptocurrencies haven't been around

they were born out of the 2008 financial

crisis they haven't been around long

enough to prove that they could stay and

survive through a

recession uh there's a lot of risk here

mostly because money Ates it's not like

when the price of Bitcoin goes from

$100,000 to $80,000 somebody made that

$20,000 literally just evaporated Into

Thin Air just like it was created out of

thin air it disappears in thin air and

that creates um a lot of risk for you

depending on how much of your portfolio

is exposed to assets that just haven't

been tested during a recession so uh you

know this this is not anti- blockchain

you know I'm a big fan of blockchain and

and uh you know the the goal of a

decentralized common International Curr

currency but it comes with severe risk

so as uh as bluntly as we could put it

in a non-financial advice way uh

drisking is going to include uh crypto

small

caps uh you know honestly even large uh

large caps and and even uh to a lesser

extent right so I'll just put lesser

because really everything as people flow

money out of the indices large caps get

affected heavily uh but even recession

you know recession beneficiaries but

this is where there are opportunities so

an example of a recession you know

beneficiary uh in my opinion would be

something like a rocket mortgage

brilliant move to acquire uh red fin by

the way different topic or topic for a

different video but a recession

beneficiary is some a company that that

might actually do very well as a result

of of a recession uh I personally think

you know my version of this is is my own

company house Haack uh because we're you

know without any Bank debt we're primed

to take advantage of low interest rates

and really good deals in real estate but

uh a company like rocket mortgage with a

lot of high interest rate mortgages on

their books on their balance sheet I

think or even other mortgage companies I

don't it doesn't matter to me it could

be any company uh these companies will

benefit from rates coming down from ass

surgeon refinancing in my opinion yes

there will be job loss but even if we go

to 20% unemployment that's 30 million

people unemployed 30 million minus you

know about 160 Workforce you have 130

million people employed usually the

argument people make against mortgage

companies is oh but but if

unemployment's High who's going to be

able to refinance okay well if

unemployment's High you know the other

80% of people who are still employed can

refinance so so yes uh when rates come

down mortgage beneficiaries are you know

mortgage companies are beneficiaries the

downside is you could still go down in

value before you get to the market

realizing that and you get that upshot

like I kind of think about it like all

right quick

analogy when you let's say

you're sorry I'm a pilot so the jet

references and plane references if

you're you're coming into land on a

plane like a propeller plane like a

Cirrus or whatever and you you're like

crap I got to go around I have an

unstable approach and you want to go

around you hit the gas and this thing

just lifts uh and then you go you know

stay below your critical angle of attack

and get out of there all right bulk

Landing you go

around you have this instant power to

that that's not how recession

beneficiary stocks will work in my

opinion those stocks will actually move

more like a jet when it goes around so

now this is interesting and you might

not think this is how it works but it is

it's incredible with a jet if you decide

to go bulked at the same point and and

you're going to go bulked landing you

might you know try to pull up that nose

but the actual trajectory of that

plane's still going to sink probably for

another 4 seconds or so uh and then all

of a sudden you'll be able to rocket

ship

out the reason for that is there's a

massive delay in in in jet engines uh so

if you're an idle throttle and you go in

you you could literally sit there and

count to four like one two

three it's

crazy that analogy is I think useful for

this because I think that's what could

happen with a rocket mortgage where it's

like oh all stocks suck all stock sucks

all stock oh wow that company's really

benefiting and it there's like this

delay to when people realize it all

right then um as with this there's

something that I um wholeheartedly

believe in uh it is a form of drisking

but tip number this sounds basic but

people listen to this and and then they

don't listen to it because they think

it's their money they think like their

portfolio is now worth less it's not

your

money please please please please please

please please get out of

margin very dangerous realize that in

real estate home equity line a credit a

30-year fixed rate mortgage or whatever

you don't have the risk of a margin call

whereas with uh more volatile um markets

and and margin debt you have the

absolute risk of having your portfolio

liquidated at the worst possible time so

margin debt is very very very very bad

for the consumer uh in a in a rough

economy that's pretty obvious but people

still don't do it so hopefully this is

your reminder

to do it a little bit at a time you know

maybe take a little bit of money off the

table every every single day just slowly

get out of the margin H all right now uh

number eight you need to be

resistant to AI so how do you become air

resistant we have to figure out how you

can provide more value to the economy

whether that's you becoming a mortgage

lender because you know you want to be

part of that rocket ship uh it's

becoming a real estate agent an

architect an engineer a licensed

contractor uh maybe you're working at

you

know whatever I I'll use this analogy

you know and I feel very bad for people

in this situation let's say you're the

manager of a Target

and you're a mom who's 38 years old uh

single and you have two

children it's very difficult in this

situation to get ahead because you might

be paycheck to paycheck in the situation

with people helping take care of your

children while you're at work and then

you're stressed and exhausted after that

this is a very difficult situation to

get out of and it generally comes with

having to figure out how can I provide

more value to society is it going to be

you know taking my managerial

experiences and and this is a hard one

it's tough to apply for jobs in this

environment and so then you look and go

okay well if you become a real estate

agent now you literally spend no time

with your kids because now you're trying

to work nights and weekends you become a

lender same thing but you could work

from home uh you you know uh really the

best thing you could try to do is try to

look at what with your corporate

experience what are other companies

looking for is that learning sequel is

it learning some form of you know coding

management is it uh becoming a you know

chartered financial analyst I I don't

know whatever it is there's something

you can study to help you get up the

corporate ladder so you have to Leverage

The Experience you

have and take that brutal that hard time

out of your day that extra cup of coffee

uh and and really try to grind towards

how can I go from being the store

manager to a district manager to the

next it is extremely difficult to do but

you need to figure out somebody else has

that job there are requirements for that

job position figure out what those

requirements are and go get it uh but

this is true for everybody because you

have to become AI resilient you have to

figure out how can you get up the ladder

to increase the income so increasing

your resilience here is all just a

euphemism basically for you need income

up okay how do you get income up in a

recessionary time it's hard have to

figure out how to trip triple down on

the value you provide you have to figure

out how to uh increase the the uh

qualifications that you have and you're

just going to have to work more it sucks

but is the most critical time to work

harder and never give up do not give up

good uh next time we have no idea how

long this is going to take uh if there

is an economic downturn you

know may Trump could issue stimulus

checks tomorrow and cancel all tariffs

and and the market could go straight up

we have no idea what's going to happen

in the

future but if we are going to go into a

downturn it's worth noting that we have

not had uh a very long downturn um well

an extended downturn in 2008 2008

downturn was maybe 15

months uh in total uh depending on on

where you measure it from some people

like to measure it uh from January of

2008 uh to um uh March

of' 09 is how some people measure it

some people say that the true pain was

actually only August to March which if

you look at that you know this was

actually a relatively short financial

crisis uh that's what is that 4 months

plus three that's about a 7-month

financial crisis uh there an Extended

draw down like something you've had

coming out of the Great Depression you

know where where you have lost 15 years

of time or potentially more recent the

2001.com.ve

during some of these Peak levels you

didn't actually see a return of your

money not on your money of your money

for about 15 years so that's a very long

time it's a Lost Generation really if

you think about it and so I want you to

think of your staying power are in the

face of time constraints time time time

I don't think we're going to see a 2020

whenever that next time hits 2020 kind

of sort of recovery so uh recognize time

is uh is a big requirement

here uh which is challenging because we

generally expect things to happen much

more quickly and I'm a victim of that

myself uh okay so now when is the time

to actually buy the dip well the

technical bottoms uh in recessions

generally occur about 3 to 6 months

before the end of the recession all

right

so how do we understand that well the

end of

recession uh is usually let's let's say

it's here okay this is uh the actual end

I'll just label this okay end of

recession you know that's when it's

actually over typically the stock market

hits its lowest

point uh and starts recovering sort of a

v-shaped recovery if we will and usually

they go higher uh after the recessions

right so let's assume we came from

there so there you go

okay if the end of recession marker is

here the stock it's very difficult to

time but the bottom of the Market is

usually here uh and the lag between this

point and this point is generally about

3 to 6 months that's because the lowest

point in the stock market is usually

going to be at the time of most fear and

panic it's generally not when the

recession's over because the recession's

over when you're already in

recovery you when you're coming out of

that turn right uh so the bottom will

come before and one way that I think you

can measure this the bottom uh is you

could use this ticker this is no

guarantee right but use this ticker

TLT uh it is a bond ETF and uh the

maturity of these is about 25 years us

treasuries none of that matters uh like

true recession fear pricing I'm going to

give you a schedule no guarantees of

this but I would say that $100 on TLT

it's like 90 now is uh recession

fear uh

in okay recession fear priced in okay

then I would argue that uh 120 is

probably recession

pricing uh so TLT goes up when when the

economy is more poopy right Bond values

are going up as yields are coming down I

would argue that something in the range

of 140 to 160 probably aligns with the

bottom because that would be

historically this is where TLT has

peaked out uh and it is usually the sign

of complete capitulation in markets so

uh at this point at this indicator point

it may make logical sense to just buy

the dip on everything in the stock

market uh obviously no guarantees but

that would be a metric that I would look

at so there you have it uh 10 ways to

protect your wealth during the next

downturn thanks for watching