Food -> Water -> Energy -> Barterability -> Shelter -> Security -> Wealth -> Community

How Bank Lobbying Shapes Federal Regulations + Housing, Water & Energy Crisis


Learn how to prepare for an uncertain future with Lynette Zang, Chief Market Analyst at ITM Trading. Find out how to thrive in the face of broken supply chains and delve into the pressing issues of water, energy, wealth preservation + more!


0:00 Mantra Monday
0:51 Fragility of Drug Supply Chain
3:14 Ukraine Reactor
5:18 US Oil Caverns
6:49 “America’s Most Dangerous Law”
7:30 US Student-Loan Restart
9:19 Bank Lobbying Climbs
11:29 Middle Class Homebuyers
17:25 The Thrivers Community



If you think that the world is headed in a direction that makes you a bit concerned for the future and you’d like to be as self-sufficient and independent as possible, then you’ve come to the right place. My name is Lynette Zang. Now it’s time to go Beyond Gold and Silver.

I’m Lynette Zang, Chief Market Analyst at ITM Trading and a very grateful prepper. And you can see the bounty and the long food storage, which is really, really critical. And you also see these beautiful pea shoots, sprouting seeds, people. It’s easy. You can just get a whole bunch of ’em. You can throw ’em in your freezer, they’ll last forever. Broccoli. Broccoli sprouts are like the most nutritious. So there’s all different ways to save back food.

But what I really wanna talk today in this program, because I do put medicine in the same category as food, you can’t live without food and you can’t live without medicine. And what did we recently learn? But that the supply chain for food was really, really broken. And guess what we’re seeing the same thing with medicine as well. Now we’re gonna be putting in shortly, we’re gonna be putting in a fully medicinal garden. So stay tuned for that. We’re gonna show you what we’re buying and and what we’re doing with that. But if anybody has any chronic medical issues, it is absolutely critical that you make sure that you have what you need, put back and enough supplies put back in your refrigerator, in your freezer, in your closets, however you need to do it. But take this as a warning. My grandmother always used to say, always be thankful when something bad happens because it means that something worse was supposed to happen and that happened in its place. So if we take this and let me tell you that saved my butt as a kid, my children’s butt, and even my grandchildrens. So that works really well. But take this as an easy warning. Tornado at Pfizer plant exposes fragility of drug supply chain. So make sure you have a medicinal garden. Make sure you have any kind of drugs that you might need to deal with a chronic illness or even a short term illness. You know, up at the bug out location, we have like everything that we would need at this point. So we have antibiotics up there, we have painkillers up there, we have sutures, we have everything that we need. And you know, maybe we’ll do we’ll do a video on what we have up there for, because it’s not really easy. I mean, to get down off the mountain when you have a problem. So, or to get what you need when you have a problem. And you’re, you don’t have easy access. So we wanna make sure that you have everything you need for easy access no matter what that may might be.

Water. Russia is disregarding the IAEA advice to power down Ukraine reactor. Now what does that have to do with water? Well, they use water to keep these reactors calm. So if they can’t have access to water or there’s a problem or there’s a leak, I mean, think about this. This is nuclear reactors that are being bombarded that is not good. And it doesn’t stay in one location. It travels around the world on the wind. So it’s critical that we have access to water no matter where you are or what you are doing. The lack of access is really a problem. Grossi spoke in Japan after presenting Fukushima waste plan. I mean, even that issue that happened, it seems like so long ago, but it hasn’t really ended. And I have to look at a little bit more, but I, they may still have leakage. I don’t know, honestly I haven’t checked in a while. But Ukraine, nuclear safety officials have repeatedly called in recent days on operators at the Zaporizhzhia, I’m sorry if I butchered it, nuclear plant to stop producing heat and steam at the sole reactor that hasn’t entered a so-called cold shutdown. Water supplies needed for cooling have become increasingly tenuous following the June destruction of a hydropower dam that held water in a neighboring reservoir. So this is critically important because even though you think, well, that’s over there and we’re over here, but I have to be honest with you, this would impact everybody around the world. Whether you realize it or not, at different levels, our bodies are breathing the air that this stuff is floating around in. So it’s much better if this reactor does not go into meltdown, just saying.

Energy. I love this. Massive US oil caverns sit empty and will take years to refill the nation’s oil reserve is at a 40 year low after the historic drawdown to try and control the energy prices recently these reserve sites are supposed to hold enough backup to ensure the US never runs short of oil. Right now they’re sitting half empty. So that means that in this next crisis, if they don’t get these full, are we gonna have enough oil for this next oil crisis? Maybe not. It looks like it. So again, what are you doing to secure your energy? Experts say that a lack of funding and aging infrastructure will plague the process. And this isn’t just true in the oil fields, this is true in general. They always talk about the aging infrastructure and presumably they’re getting ready to do something about it now. But we’ll see. But that creates more expense, more problems, and potentially during the next crisis and even bigger problem with the supply chain ’cause we won’t have any backup. This is like your savings account that’s empty and then you run into an emergency and you have no backup emergency or savings. What are you gonna do? You’re gonna have a big problem.

Illinois Sheriff prepare for ‘America’s most dangerous law’ to come into effect. What is that? Under the new law, judges in the state will not require those charged with a crime to post bail in order to leave jail while they wait for their trial. But those considered to be a threat to the public or are likely to flee, will be required to stay in jail maybe. But we also know about the overcrowding. So, so bail might restrict some people from being on the streets. Our judicial system should do a lot more.

Barterability, which is your ability to trade things for food and other goods that you might need. These are incredible pickles, but payment shock looms for millions with US student loan restart. Millions of America face a hit of at least 500 a month to their household budgets from the restart of federal student loan payments. In September, the credit reporting agency examined the impact on some 27 million student debt holders who are due to start paying again in September after a pandemic freeze that lasted more than three years. Now what we know is that most people cannot come up with $400 in an emergency. So now their barterability, all of those people that had that three year hiatus and got used to not paying those student loans for three years now suddenly. And what happens when you do that right? Is you develop other habits, right? Spending habits because this was about stimulating the economy since we are a consumer-driven economy. But now these people that’ll suddenly have an extra $500 bill, probably were spending up to the max that they could anyway, this is going to curtail their ability to buy the stuff or barter as they had become used to over the last three years. We’ll see how this plays out. But I mean, what are you worried about? Janet Yellen said it’s not gonna be another financial crisis in her lifetime. Yeah, yeah. I would not wanna be Janet Yellen ’cause I plan on living another 31 some odd years. ’cause I think I’m gonna live to be a hundred.

Okay. Wealth preservation because everything is so hunky dory. But how did it get there? Well, bank lobbying climbs nearly 20% ahead of new fed capital rules. Oh my goodness. Do you think this spending could have any level of impact on those new rules that are coming into play? Hmm. No, probably not. Because certainly all of the lobbying done by all of these guys didn’t modify the rules in 2018, taking away a lot of the protections that were put in place by the Dodd-Frank. ’cause We don’t learn anything. I mean, after all, you remember when I wrote, when I did a piece on that and I said, what did they say? Well, look, we’ve been doing this for six years and everything is just hunky dory. We can eliminate a lot of these rules. And then we had March and we had that, which is not over yet. I don’t care how they make it look, just understand this is not over yet the issue in the banking system. But who spent the most on lobbying and that 20% increase? American Bankers Association, Independent Community Bankers Association. And then, you know, of course you got the usual Wells Fargo, Bank of America, JP Morgan, Ally Financial, Charles Schwab, and all the other guys. So they want the rules that benefit them because in this next banking, I mean, look who got bailed out in March. It was the, it was the Silicon Valley got bailed out. I’m not talking about the bank, I’m talking about the hedge funds got bailed out. So, you know, you wanna keep bailing ’em out and they wanna say, well this didn’t cause taxpayers anything. That’s garbage, that’s garbage. And taxpayers are on the hook for any of these mistakes that these banks make. ’cause It’s far more important that they make profits than that you are safe. So wealth preservation, not if you’re counting on the fiat system.

Community. And I thought this was kind of interesting how expats rate life in Mexico. So a lot of people or a number of people anyway, think that things are gonna be better someplace else. The reality is, is no matter where you are, you have to make a last stand. And that means that you have to be fully prepared with Food, Water, Energy, Security, Barterability, Wealth Preservation, Community and Shelter. Because it’s not just this one little thing. And oh, okay, if I move to Mexico, all my problems are solved. You know, as we’ve heard from some of the thrivers community members that have moved overseas, one in particular I’m thinking about moved to Panama, but he moved into a highrise and it’s kind of hard to grow a garden in a highrise. So you still, no matter what choices you’re making, how can you grow food in your highrise? I mean, there is hydroponics and aquaponics, there are ways to do it in small spaces. But no matter where you go or what you do, or even if you’re staying put, you need to make sure that you have all of your bases covered so that you can sustain your standard of living as much as possible and not be dependent upon the system. I don’t care where you are in the world.

Food, Water, Energy, Security, Barterability, Wealth Preservation, Community and Shelter. Get it done. And think about if you are thinking, I know a lot of people have talked to me about this. Well, I’m thinking about moving. Well, when are you gonna do it? I’ve been working on my urban farm since 2010 and thank goodness. And do I have it exactly the way I want it yet, even after all these years? No. But could I survive and have enough food to be able to share? Yes, especially thanks to Jayson who really, really knows about food storage and creating long-term food so that you don’t need the dried stuff that you’re creating your own. So just a thought. You wanna make sure that no matter where you’re living, everything, all of your bases are covered.

I love this. Loan officer. I’m seeing middle class home buyers and there’s not too many middle class left. They’ve done a great job of destroying that. Really, especially since 2000. I’m seeing middle class home buyers take on $7,000 mortgages thinking they can always refinance when rates come down in the future. Now this is the same kind of thing that they were saying in prior to 2008 with all those variable rate mortgages. Oh, don’t worry about it. Just get in. You can always refinance later. Well, you can as long as there’s an easy money policy in place, but we’re going in the opposite direction now, however, December, 2021. $700,000 which is a lot for middle class, I think it’s a lot for it’s a lot of money for a house anyway, but 30 year 3.1 mortgages were $2,989 by July 2023, that same mortgage was at 6.9% at $4,610, that is much higher. So when adding on insurance and taxes, that monthly payment could easily top $6,000 a month. That’s $72,000 a year. That is well more than the average income. So what you can’t put a hundred percent of your income, you still have to eat, you still have to put gas in your car, you still have to keep the lights on, etcetera, etcetera. This could become a huge problem. Not to mention that calculation doesn’t account for the fact that us home prices in June 2022, were 12% above December 2021 levels and 39% above June 2020 levels. So can you see the problem in the affordability of the shelter and why a lot of people that have those lower interest rate mortgages cannot turn around and sell them to buy something else? Now, look, years and years ago, it was not common for people to be changing homes every five years. You didn’t flip homes like that. You bought a house and that house was passed down. I mean, gosh, in the Victorian age, they left a hole in the newell of the banister that went upstairs and you had the finial on top that was removable. When you paid off that mortgage, you had a mortgage ending party and that mortgage was put inside the renewal and then the finial was put on top and glued on. And then that house was typically passed down through generations. So, you know, and, and that’s why some places can weather storms a little bit better. But when we’re looking at America and what we’ve been trained to do, we’ve been trained to think of our houses like piggy banks, just so you’re spending your equity and you don’t even realize it. We’ve been trained to move every, every few years. Maybe we need new training, maybe you’ll learn how to stay put. I’m staying put at the moment here in my urban farm. I mean, look at these gorgeous figs and these wonderful fresh bean sprouts.

Buy some. If you live in a high rise or you live in an apartment, one of the easiest ways to ensure that you have fresh food are sprouting seeds, sprouting seeds. So get ’em, put ’em back. You can see they don’t take up very much room. I don’t know how many times this bag has been used, but we get a lot out of it. It’s a good way to be able to ensure that you have good fresh food to eat along with your canned goods and your dry goods. And remember to definitely prepare yourself because it’s not all doom and gloom. And if you haven’t yet, start your gold and silver strategy. Start your overall strategy by clicking that Calendly link below, setting up a time to get that in place and subscribe to the Thrivers community where we’re all coming together to help each other. And by the way, you even get me live and unfiltered and in a zoom where we’re all having a conversation and helping each other. And you get that every week. So if you haven’t done it yet, make sure you subscribe is where you can sign up for that. Leave us a comment, give us a thumbs up and share, share, share ’cause we’re all in this together. And until next we meet, please be safe out there. Bye-Bye.


Tornado at North Carolina Pfizer Plant Exposes Fragility of Drug Supply Chain – Bloomberg

Russian Operator of Occupied Ukraine Reactor Disregards IAEA Advice to Shut Down – Bloomberg

Illinois sheriffs prepare for ‘America’s most dangerous law’ to come into effect (

Bank Lobbying Climbs Nearly 20% Ahead of New Fed Capital Rules – Bloomberg,at%20home%20there%20(2nd).

Loan officer: I’m seeing middle class homebuyers take on $7,000 mortgages thinking they can ‘always refinance when rates come down in the future’ (


  • Lynette’s mission is to translate financial noise into understandable language and enable educated, independent choices. All her work is fact and evidence based and she shares these tools openly. She believes strongly that we need to be as independent as possible and at the same time, we need to come together in community to survive and thrive through any financial crisis.

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