Ronnie Vincenty is A former US MARINE vet 8yrs, He is a Senior Network Engineer with Citrix, Cisco, Microsoft certified, running I.T. Infrastructure for 80 million $ healthcare company for last 10 yrs,
After many years of struggling through understanding money and how it works. Learning took him many years and this sent him on a journey to BEST understand how money actually works. He now teaches people how to have a healthy relationship with money, respect it, and manipulate it to work for you. A Money Strategist…
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Hello and welcome to the Dr. Nilda Business Foresight Show. We are back again with another awesome guest. I’m excited about the person that we have today because today we’re going to be talking about money. This is a subject that’s very important to everyone whether you have your own business or your working a job. You really want to know how to use money. So, I’m here with my co-host Rachel Calderon. Say hello Rachel.
Hello! How are you?
So, let me tell you about my guest. My guest today is Ronnie Vincenty. He’s a former US Marine and a Vet for eight years. He is a Senior Network Engineer with Citrix, Cisco, Microsoft Certified. He runs IT infrastructures for 80 Million $ healthcare company for the last 10 years. After many years of struggling with understanding money and how it worked for him and making a lot of mistakes with his own money he took to this journey. This journey was how can he best learn money how it works, how it operates, and how to actually keep it. This journey brought him to this actualization that you can actually manipulate money. You have to respect it but you also have to manipulate it to work for you. Now he teaches how to have a healthy relationship with money, how to respect it, how to manipulate it, and how to have it work for you making him a money strategist. Ronnie is also married for 27 years to his childhood sweetheart. They’ve been friends for 34 years and he is also a marriage coach. Actually he and his wife are marriage coaches. He is an approved foster parent. You wonder what does he do with his free time or does he have any? So, welcome Ronnie. How are you?
I’m doing great. Thank you very much.
I am really excited to have you here. I have to tell you the way that we met was through your mom bragging and bragging about how awesome her son is and all the things that you know. And how brilliant you are. I was like okay I have to meet this guy and that was very interesting. Your trajectory the direction that you’ve gone what you’ve done with your life has been very interesting. I thought you know what this is noteworthy we need to interview him. Tell me about your initial journey with money and what actually took you on this journey.
Okay. My initial journey with money is that like most people I was losing it. Was realizing that my parents and their parents before them and like most of society we’re not taught what money is or how to handle money. Obviously, you make a lot of mistakes. Forty-six years old now I mean I made a lot of mistakes when I was twenty, twenty-two, twenty-five, thirty. Those mistakes that people make with money don’t necessarily need to happen. We got to go through knowledge. We’re not taught how to manipulate money or manage money. We told us as children or even as adults how to properly manage your money. We don’t understand what money is. We don’t know where it comes from, how its created, how does it flow, and where does it go. We don’t understand these things. So, of course, if you don’t understand something and you’re dealing with it you’re going to make a lot of mistakes. I learned those mistakes by getting scrapes and cuts and bruises and bumps in the form of senior accountable up and down and left. Not truly understanding why it what doing it. It also goes into understanding how the banking system works the regulations and the things that exist in our society that dictate how money works and who controls it. Historically money is supposed to be a medium exchange. If I got something that you want you have something that I want and I want to get those things. I sell carrots you sell tacos we need to transact in something that is approved by both parties and understand what that is. So, here comes money. We have money now in society and we purchase, we buy, we loan, and we lend. But, if you don’t know what to do with that money trust me it’ll disappear or burn. I got a daughter. I love my daughter but she can’t hold money. It’s like magic it disappears. But, you have to understand what money is and how it works to be able to direct it for you to benefit, to grow your portfolio, to grow your retirement, and to be a successful individual. Whether it’s business or personal money’s money. The same way you handle money in your home is the same way you handle money in business. The same mistakes will have the same effects. The same lack of knowledge will yield the same results good or bad.
Let me ask you this then, what is money?
Money actually is a medium of exchange. Money has been things over time. It’s been seashells, it’s been rocks, it’s been tulips. Today we allow the Federal Reserve to call money a Federal Reserve note which we call a dollar bill. This Federal Reserve note which they classify as money is not really money because money has specific qualities and properties that a US dollar even though it tries to emulate what we as society in this state call money is not. Yes, money can be exchanged. Yes, our money is recognizable. Yes, our money is increments it can be traded but the properties and qualities of money there’s two things that are lacking according to the Constitution according to what things are. The money is not an indestructible. It’s not very durable as paper. Paper dissolves so lacking that quality alone makes it fall out of the category of actually being money. We use a currency we don’t use money. Gold and silver is money but our society our government removed gold and silver from the monetary system in 1970. So, we don’t deal with real money anymore. We deal with a currency called money and that itself causes a lot of problems. Allowing an entity to call something, it is called fiat currency, we deal with a fiat currency. We are a fiat currency. All money is fiat currency because currency is dictated by an entity which is the government to say this has a value. This is the value of x and this is the value Y. This country has it that country has it and we do commerce together using this fiat currency as we know as money.
What is the best way to actually use money? First of all, you’re saying we should become knowledgeable about what it actually is and what we’re actually doing in our transaction with money?
Okay and then with that said where do we go from there? Now we begin to understand money. We have an idea of what it is and what that exchange means. How do we use it? What is the best way to use it?
The best way I would say to go into money is you’ll hear people say things like you got to be in the market, you got to do this, or you got to do that. It’s not about timing the market. It’s not about catching the right wave because you can never do this. I don’t care how good you are. I watch pros all day and they miss just as much as they don’t miss. I can miss to and I’m not a professional so, it’s not about timing money or timing events. It’s about being in a system over time using compounding interests which is the age one of the world. Compounding interest is a glorious thing. Over time being in the market through those ups and through those downs which we all don’t like. But, the time you leave yourself in the market you do better than coming out of the market. So, like when you had a 2001, a 2005, a 2018 crash in the market and the stock market fell in your values your account fell it was painful. But if you pull money out of the market like I did I made those same mistakes you come up worse. Even though the money failed, your valued account falls the quantity of what you have does not. I love dividend paying stocks or ETFs or anything that gives me money to hold it helps. That’s part of the compounding interest because yeah you can be in the market and you can gain or you can lose but, if you have a dividend paying something whatever that loss is or gain is that dividend will supplement. So, if you take a slight loss but the company pays your dividend sometimes it zeros out. Not understanding this early on I made those mistakes of trying to get in on the waves and I kept getting hit on the beach. I kept missing the wave. I’ve listened to many people that are out there, professionals, they’ll come to the same consensus you have to be in the market. It kind of stinks when you see your value decrease that pit in your stomach. It’s different from when you’re 20 to when you’re 60. If you’re 20-years-old you can take a hit and it’s like oh well you know I’m down half you have 50 years. But, if your 67-years-old those hits they hurt more because you don’t have a time to recover. Even though being in assets or equities or bonds that over time will yield more because you have to be there it is painful to watch. It takes the discipline to say you know what I lost a quarter of my value oh look things are on sale. That’s the mindset I did not have is that we all do this. Inherently when you see something that’s negative or increasing you run from it and in the market, you’re not supposed to run from it. You’re supposed to gravitate towards it. If you see like an Apple or IBM that takes a hit you lose half your value Apple isn’t going anywhere IBM isn’t going anywhere. That’s the time when you’re actually, with what they called it they coined the phrase, backing the truck up. We want to buy more of those things. They call it dollar cost averaging down or dollar cost averaging up. If you buy something at X dollars and it loses half its value and you buy more now at that half value when it returns back to where you lost that money from you’re exponentially increasing the game because you’re getting the money back that you lost. And you’re getting the factor that you bought something at a discounted price. So, when it comes back to when you lost money you compound up. That’s the thing a lot of people just don’t get and it takes time, discipline, and poker face understanding.
I have a question because this is something that comes up a lot. People say you know what I’m 45, I’m 50, I’m 60 I guess it’s too late. I can’t do this now. I guess I missed that prime opportunity. Would you agree with that?
Absolutely not. Absolutely not. It’s never too late because again if you look through our historical time period when the market returns. Look at the gains and the losses yeah there’s some years that have done excellent fifty percent return like 20 I believe 11 and 12 were great years. Right after the stock market crash in 09 when everything bottomed out. Those were the best times to get things so even if you’re 67 years old you’re going to have ups and downs in the market. Even in a down market you can make money. Especially up market it’s easy you throw your money at a wall and it sticks. A down market it’s different because everything is depreciating so you don’t know where to go. But, that’s when you fall back on a company that you know isn’t going anywhere. Apple isn’t going anywhere. Microsoft isn’t going anywhere. This is how you make money. Even though if you’re 67 years old it does get harder because the world economy and the things that are going on politically, economically might not fall into line with your timing price. Because if you want to retire in five years and we’re at war it might not be the best timing for you. It’s unfortunate but if you stay in it and you buy those assets when they’re down when they do recover you’re exponentially increasing what you’re going to have on the other side of that. So, you have to be in it regardless of what goes on you have to be in it.
Ronnie, I know that often times they have said that we do not own our own money that’s in the bank. I know that for me if I had to take out some money from my savings for whatever reason they have actually sent out letters like you cannot continue to do that. Not that I do it often but it’s like I get like this warning. What is that about because I could kind of see that it’s like my money that I put in the bank but however you’re telling me how I cannot take money that belongs to me out?
Yes, because most of money I would probably say in the realm of 90% of money does not exist in physical form it’s digital. When you put your money into the bank or this fiat currency or these dollar bills all these things that we consider money and you put them back into the entity that created them because all money is created by the flick of a pen. Money isn’t really the way it was back then. We don’t go out and find gold and put in the bank and say this dollar represents that gold coin or that silver coin. It’s a computer it spits it out we sell a bond the bond is then sold at auction and money is created. So, when you go to the bank if you want to pull out something physical they have a heart attack because they don’t have enough of the physical. It doesn’t exist. When you put your money in the bank you become a tech sharey party you become an unsecured creditor is what they’re calling it because you don’t own that money. Once you turn that physically back into the entity it’s theirs. If the bank went belly-up you would be third or fourth sitting line to get your money back because you don’t own that money. We use fractional reserve banking which says the bank is allowed, imagine if you do this you go to jail, the bank is allowed to do fractional reserve banking which means they only have to have a certain money on hand physically in the bank on deposit. So, you deposited a million dollars in the bank that same bank can now produce a million dollars in loans but the money you put in if you try to get that million dollars back. I had a problem building a home trying to pull out 35 thousand to pay my contractor. I almost went to jail because I wanted my thirty-five thousand dollars and I wasn’t leaving until I got it to pay this man. I didn’t understand money at that point. Why are you telling me I can’t get my money? You had no problem accepting I when it was deposited, via a check, but you have a huge problem giving it back to me in physical form because the bank didn’t have it. I didn’t understand that back then. There’s no money in banks there’s very little money in physical form in banks versus what’s in the money supply. There are billions and trillions in the money supply they don’t sit in physical forms they sit in digital forms. Again, when you take this physical asset or this tangible paper we call money you put it back into the hands of the people that created it you no longer own that. If you don’t hold it you don’t own it. You might have heard that phrase throughout life for different things because it’s relating between something that’s physically in your possession intangible versus something that is digital and created in this digital world we live in. So, yes you do not own money when you put it back into the bank. Anyone out there that hears this, I had a problem trying to relay that sentiment to many people. Google it, prove it, check me please check my information you don’t own that money I promise you. When you go into the bank and you ask for that they fill out what they call a suspicious activity report a SAR report. Anything that makes them think why would this person want to take out cash why can’t you just pay digitally? Everyone’s a terrorist today so when you want that money they assume that you want that money for nefarious reasons. That you are not a good steward of your own money. Why would you need this physical money? Why can’t you just use a check or use a card? They don’t understand that and the problem is that we as a generation don’t understand it either so this is big wealth knowledge. It’s the gap of knowledge that people don’t get and the biggest eye-opening thing for me was what do you mean I don’t own what I just gave you? It’s a shock to a lot of people but it’s a factual piece of information.
So, how do you get around something like that then? I mean because I’m curious. Like right now my son he’s saving money. How do you get around that so that he can at a later date can withdraw from the money that he actually worked hard for to put away?
It’s a sad thing because if you look throughout history how America’s created how the Constitution said money was money we used to wave big piles of gold with big scales and say this bank had X dollars because the bank had something physical. We don’t have that these days. Everything is digital. Even if you were to hoard a pile of cash in your house something physical paper, even if you never used the bank and you never use digital and you just took all your stuff and do like grandma did and put it under your mattress at any point in time, this has happened throughout history, they can null and void that piece of paper that you think is money. So, it’s very difficult these days to say what do you do for next decade two decades three decades we’re heading into a system into a world where paper and physical will no longer exist. It’s just a fact of nature. There are things you can do to kind of mitigate those risks. Personally, I tell people, and I do it myself, you have to have something that’s physically recognizable and will never ever lose value and is known throughout the world that will still represent you saving your hard-earned money. What money really is it’s our labor which is translated into this thing we call money. How do you preserve that wealth that you created? Your paycheck. Your investment. How do you preserve against an economic disaster, a bank failing, a fire? It has to be physical. I love gold and silver. The markets talk about gold and silver like it’s the Antichrist because it is the Antichrist. Gold and silver destroys markets that are manipulated by bankers. This is why they went away from gold and silver. I love gold and silver. The Bible loves it throughout history and time everyone in this planet has loved gold and silver because it is real. You can take gold into the mountains of Argentina or to the valleys of any other country and you pull that little shiny piece of chunk out and they’ll know exactly what it is and they’ll be willing to transact with you. In this world, we don’t do that because everything is digital now. Banks hate gold and silver because it destroys this digital realm they created. When we left the gold and silver being tied to our American currency American dollar it opened up this big problem we have now. Which is the whole world and the markets they’re all upside down. You hear about it on the news all the time that banks are printing money. What do you mean printing money? What does that mean? It used to be something physical yes, we did physically print money. We still physically print these dollars now but again most money is digitally created. So, when you remove the binding of that gold which was tied to a specific amount of money or a dollar, they used to call them silver notes and gold notes, when you remove that relationship it allows the banking system to do whatever they want with money. There’s no rules anymore. There’s no check and balance. In gold and silver being tied to the monetary system before 1971 was a check and a balance. You couldn’t explode the debt you couldn’t spend money because you didn’t have to go to support we don’t have it anymore. But I tell you what gold and silver no matter where you go in this country in this planet will be accepted and somebody will transact with you.
I know that you teach this. Are there tools or are there sites where do people go to get this information? Other than to you because clearly you have a lot of knowledge when it comes to this. I have to tell you I think if people would just learn about money like how it works, what it brings to the table, what it doesn’t that in and of itself that one thing to me is priceless. How can we get to that? How can people start learning about that?
The great thing about now and this world that we live in is everything is instantaneous and at your fingertips. I didn’t have Google when I was 19. When I was in the Marine Corps there was no Wikipedia. There weren’t any digital investing platforms. You had like Charles Schwab there was nothing other than those things. That knowledge was secret it was hidden it wasn’t disseminated. There was no way to get them out there was no YouTube back then. Today it’s the exact opposite. There are dozens of sites. I pay for research for a couple of sites and these guys are market experts they’ve been doing this for decades. They’ve left the banking system. They start their own companies they advise and they hold millions and billions of dollars in assets. They managed money for the some of the wealthiest people in the country and these guys started their own companies. Their own research firms and I subscribe to a lot of research firms. I wanted information from everywhere I wanted to know from left to right up and down so I can decide for myself what’s real what’s right and learn about everything fast forward. Two of the best sites that I currently use now is Motley Fool and another one is Contrarian Outlook; Seeking Alphas is one. They put all this knowledge together and they do these articles and invite professionals to do opinions or analysis I suck this up. As well as anybody else a lot of it can be overwhelming in the beginning if you don’t understand the terms.
That was going to be my point because you’ve been studying money for quite some time now but for a novice to get this kind of information is just as well that they not have it because it’s so overwhelming. So, getting on these sites is not necessarily the best idea because oftentimes at the end they end up more confused than not. Would you agree Rachel?
Absolutely. I think that they should because at least they can begin to learn the terminology but they will be very confused at first.
There’s a lot of channels that I follow on YouTube. People that I listen to like Dr. Paul Craig Roberts used to be the treasurer secretary for Rake. He does tons of interviews. Now a lot of the stuff talks about monetary policy and banking again you can start small and just listen to these guys. I promise you it’ll sink in eventually. When you hear a phrase or term two times and you hear the context in which it’s being discussed you will go that’s what he means. Then there is this thing called Google and you can Google any word you don’t get to understand the direction of a conversation. There is a channel called SGT Report; excellent channel. He interviews everybody so you get different points of view from low level to high level information, more technical language to very basic language. But you have to immerse yourself in these things to start understanding the verbiage and the terms of the context. Once you understand that it makes perfect sense to you. At that point, you can direct how you use your money or your investments based on what you hear. People get these news feeds from the media you can watch CNBC all day if you don’t understand what they’re talking about you can’t take advantage of situations. We have situations every single day. There’s a situation and an opportunity. If you don’t understand the words or the terminology or what’s going on you’re like a deer in headlights.
There is also that thing called Google, which we all have access to now, that you can take advantage of. Back in the day, we didn’t have that but now there’s no reason why we should not be researching these things.
There is no excuse I tell people all the time if you can tell me the weight of Jay Z’s baby or the last outfit they bought but, you can’t tell me the interest rates you’re earning on an investment, you have a problem. Because Jay-z’s baby is going to be okay you might not be. Jay-z is making money he was a thug but, he did his thing and he had people manage his money for him. Now he’s a billionaire. I am worried about me not all these superfluous stupid little things going on that the media uses to distract our attention. I got bed 3 or 4 o clock in the morning every night because my brain doesn’t turn off because I’m reading, watching, listening, learning, planning, and projecting. It’s what I do. It drives my wife crazy. I don’t sleep. If I have a question in my mind about something I can’t go to bed.
I get that. I am an innovator and what I do is foresight and I’m always looking for future projections or whatever. I want to ask you a question it’s probably a little bizarre but, I think you would understand it. The question is where do you see this economy going given that they want to make it a one world economy?
This is a part of me that you don’t know. I am a big conspiracy theorist. I love a good conspiracy. This is biblical. You talk about this one world new world economy people think that this literal translation of having a chip in your hand that’s what’s going to come I don’t have to worry because that is not here yet. Wrong folks because if you have one of these in your hand [cellphone] you already have a chip in your hand. It’s with you every day. I do everything on this device everything. The sad about it is people don’t realize we are here. That digital era where you can’t buy or process it’s already here. The sad thing about it is yes it was in the Bible a long time ago and people refer to it like it’s not actually happening but, in these last two decades to see where we were to where we are right now absolutely. If you don’t see that what was in that book is actually manifested I don’t know what to tell you because it’s literal. It’s here. In a decade, I don’t see much of anything physical and it scares me. It scares me that’s why I come to my gold and silver because I don’t care what happens I still have my gold and silver. But, this digital one world order if you look what goes on in the world every single day. We all have Federal Reserve banks in every country. That wasn’t an accident that was a plan they did 300 years ago. Read about Mr. Rothschild and how he taught his children how to share and lend money to corporations. That’s where we are today. That seed grew and this is where we are right now. Having as much knowledge as you can about is the best thing you can do right now; understanding what you’re looking at.
And understanding money in terms of biblical principles also because at the core that’s what it is. I mean if God is always talking about money from Genesis to Revelation it’s always been a topic because it is how the world runs. So, no matter what money looks like it is how the world runs. I love your answer. I thought I’d throw you off there but that was good you were on point. What services should we be using? What brokers verses self-driven? What you would be using?
I like using everything that comes out to get my own personal point of view on how things work. The best things that I’ve used for myself and for my family, I’ve tried them I like them they work well, I’ve used all the brokers. From Fidelity, Schwab, Cap One I’ve used them all; Ameritrade. I have a mix. Again, I do computers my job is to provide fault tolerance to maintain something to stay up 24/7 that’s my job. Disaster recovery is part of my job. It’s the same thing with finances you don’t put all your eggs in one basket you spread them across multiple providers and multiple types of companies. I use Schwab for 1/3 of my portfolio. I like Schwab because it has the cheapest training that you’re going to get; five bucks. I love the tools they give you. They’re free tools and you look like almost a market pro; free. I love the information. I love the guidance. I love the reports and it’s very easy to understand. For my retirement, I personally use Betterment it is a Robo advisor. I like it cause it‘s very simple. They used what most these Robo guys use is called Modern Portfolio Theory MPT. It’s an algorithm that was designed to say what to do with money when this happens here. It does it on the fly. I put money in I sent my allocation my risk factor and they break up my money based on my risk factor and I don’t worry about no more. I love Roth IRAs I do not like 401ks or mutual funds. If you got a mutual fund that’s great. I don’t like the fees. Mutual funds are too expensive. There is a caveat if your company matches dollar for dollar use whatever that is. I don’t care if it’s a mutual fund. If someone’s giving you free money take it. I also use a Robo adviser called Wealth Front. These are two very inexpensive very cheap Robo advisors. They have two different algorithms which is why I use two because again I like divide and conquer. So, I like the algorithm that they use for one and I like the algorithm but Wealth Front because it is kind of different. The allocations are a little different. So, I’m kind of doing some little fault-tolerant manipulation there. I’ve tried some new products some very phone based kind of utilities. There’s a product called Robin Hood if you want to buy stocks and you want to learn and you want free. I love free but I also do like results. Robin Hood is a beautiful app it doesn’t cost a dime. You can buy and sell it doesn’t cost you a penny. That is great for anyone learning because there’s no point in paying a Schwab or Fidelity seven bucks eight bucks for a trade and you don’t understand things. Learn with a free application. Robin Hood is free. It’s great I’m doing beautifully with my Robin Hood app. I understand things and it allows me to act like a trader. I can buy and sell back and forth all day acting like a trader. So, I can take advantage of things. There’s two more utilities that I just started using and I’m about to do a little piece on both these little applets. It’s called Stash Invest and M1 Finance. These are both apps that are on your Android platform or your Apple platform. Stash Invest is for the person who doesn’t know a lot, knows they need to do something, doesn’t want to pay a lot, and you can put in five bucks a shot it’s beautiful. The investments that they have are very straightforward and very simple. You kind of pick through you can read a little about them and if you choose to use that particular they use ETFS they give ETFS pretty names. So, people can kind of understand what they are but ETFS all have ticker symbols; 4 letters or 5 letters. People don’t get that. If I told you go buy SCH dealer what’s that? If I told you to go by dividend buddies oh I can find dividend buddies. It costs a dollar a month. After an initial three months but a dollar a month to buy and sell as much as you want is nothing. The last tool is M1 Finance. I like them because what they do is they simulate ETFS without the cost of an ETF. When you but an ETF inside of your 401k or your mutual fund you have to pay the fee to hold that ETF. It’s called an expense ratio. M1 Finance allows you to build your own ETF and not pay an expense ratio. So, again these are two tools. I’ve been testing them recently and they’ve been doing very well. But, again, I like diversifying. I like splitting things up. I like my money to arrive in different avenues and come together or down together. I don’t like putting all my eggs in one basket so.
I want to thank you and I look forward to having you back. I mean in this conversation with you the more I talk to you I realize it would be great for us to probably do some kind of webinar with this information. So, let’s talk about that and what that would look like but we’ll do that privately. I want to thank you for being here. I want to thank you for sharing your wealth of information. I feel a little overwhelmed because you understand this so well. I’m sort of a novice in this area. I just started out not very long ago and again, it takes a lot of studying and I study so many things and I think this has been in the back burner. Again, I want to thank you so much for your wealth of information and I would like to invite you back. I would like to have you back soon and see where we can go from there and what else we can have. This information is excellent. I want to let everyone know that next week we will have another guest we look forward to another fabulous guest. I am just really blessed to have known and continue to learn from different people and bringing all of these awesome guests to you. I’ll see you again next week bye guys.
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