I listened to the 4 part series and read the book. Everyone needs to do the same.

My family has decided to not play the interest rate game and pay off our mortgage. Being in a position where our securities are taken and being left with our debt is a risk not worth taking.

Since reading the book, my eyes are opening. How can my broker offer zero fee trading? Why don’t I have stock certificates? How can fractional shares be offered? Why do I have to fill out a financial questionnaire yearly?

They are holding your securities in pooled form, trading derivatives with your securities as collateral and will do anything to get more of your money. They’ll go further and further on the risk curve until something breaks then us security holders will be impacted.

There is no guarantee that this will happen. However, we should all have a plan in case it does.