What Happens To Your Debt When The Dollar Collapses
Summary
TLDRIn this video, Nolan Maias discusses the potential consequences of a currency collapse, particularly on debt. He explains that while hyperinflation might seem to ease debt repayment, it often leads to economic instability and job scarcity. Maias advises viewers on financial strategies to mitigate risk, such as maintaining low expenses, setting debt ceilings, and investing in tangible assets like real estate. He also suggests diversifying assets geographically to hedge against currency devaluation.
Takeaways
- 💵 **Currency Collapse Basics**: Currency collapse often happens with fixed exchange rates when investors lose confidence in a government's ability to maintain the currency's value.
- 🌐 **Global Impact**: While the US dollar is less likely to collapse due to mechanisms in place, other countries with fixed exchange rates are more susceptible.
- 📉 **Symptoms of Collapse**: Hyperinflation is a symptom of economic conditions, not the cause. The underlying issue is usually the country's inability to support its currency's fixed value or service its debt.
- 🏦 **Banks and Debt**: During a currency crisis, banks may call in short-term loans, making it difficult for borrowers to repay, highlighting the importance of having low debt and a stable income.
- 🏠 **Property as Stability**: Property tends to retain value better than other assets during a currency crisis, making it a relatively safe investment.
- 💳 **Credit Cards Risk**: High-interest credit card debt is risky and can become unmanageable during a currency collapse, emphasizing the need to avoid or pay off such debt.
- 📈 **Economic Growth**: A growing economy can service its debt, unlike one in crisis, which may lead to currency devaluation.
- 🌟 **Debt Repricing**: In a currency crisis, debt is often repriced to match the new economic reality, so it doesn't simply disappear with currency devaluation.
- 🔒 **Credit Reporting**: Modern credit reporting makes it difficult to escape debt obligations, even in a currency collapse, affecting one's ability to borrow in the future.
- 🌳 **Preparation Strategies**: Keeping a low baseline of expenses, setting a debt ceiling, and investing in assets that retain value are strategies to prepare for a potential currency collapse.
Q & A
What is a currency collapse?
-A currency collapse is a situation where the value of a country's currency falls dramatically, often due to hyperinflation or a loss of confidence in the currency's stability.
Why is the US less likely to experience a currency collapse compared to other countries?
-The US dollar is a floating currency, which means its value is determined by supply and demand. This allows it to fluctuate in response to economic conditions, reducing the risk of a fixed value becoming unsustainable.
What is the role of fixed currency exchange rates in currency collapses?
-Fixed currency exchange rates can lead to currency collapses when a country's government pegs its currency to another currency or commodity at a certain value, and market sentiment shifts, causing investors to sell off the currency.
How does hyperinflation affect debt repayment?
-Hyperinflation can make debt easier to repay in nominal terms because the currency's value decreases. However, it also leads to economic instability, making it harder to earn and keep money to repay debts.
Why might a mortgage be a safer form of debt during a currency collapse?
-Mortgages are typically secured by real estate, which tends to retain value relative to other assets during economic crises. Additionally, the need for housing remains constant, supporting property values.
What is the impact of credit reporting on debt during a currency crisis?
-Credit reporting can make it more difficult to obtain new loans if you default on debt during a currency crisis. This is because defaults are recorded and can affect your credit score for up to seven years.
How can setting a personal debt ceiling help in preparing for a currency collapse?
-Setting a personal debt ceiling ensures that a fixed percentage of your income goes towards loan repayments, which can help minimize debt over time and reduce financial risk.
Why is it important to keep a low baseline of monthly expenses when preparing for economic instability?
-Keeping a low baseline of monthly expenses ensures that you can maintain your lifestyle without increasing debt, providing financial stability and the ability to pay off debts faster.
What are some tangible assets that can help protect against currency fluctuations?
-Tangible assets like real estate, cars (if debt-free), land, and gold can help protect against currency fluctuations because their value is less affected by changes in the currency's value.
How can diversifying assets geographically help protect against a currency collapse?
-Diversifying assets geographically by owning assets in different countries can hedge against a currency collapse in your home country, as foreign assets may not be as affected by the same economic issues.
Why is it suggested not to put all money into gold as a protection against currency collapse?
-While gold is often seen as a safe haven, it may not be the best investment if the currency does not collapse. Diversification is key, and relying solely on gold could limit potential gains in a stable economy.
Outlines
💵 Currency Collapse and Its Impact on Debt
The script discusses the hypothetical scenario of the US dollar collapsing and the effects it would have on debt. It explains that contrary to popular belief, a currency collapse does not necessarily wipe out debt. The video aims to educate viewers on how currency collapse occurs and the mechanisms that come into play. It also addresses the common misconception that hyperinflation would make paying off debt easier. The speaker, Nolan Maias, encourages viewers to like and subscribe for more financial insights.
📉 Causes of Currency Collapse and Debt Repercussions
This paragraph delves into the reasons behind currency collapses, such as an economy's inability to service its debt due to low growth and excessive spending. It contrasts fixed currency exchange rates, which are more prone to collapse, with floating currencies that adjust based on supply and demand. The paragraph also touches on how economic conditions, rather than just money printing, lead to currency devaluation. It discusses different types of debt and their vulnerabilities during a collapse, emphasizing the importance of understanding these dynamics to protect one's financial assets.
🏠 Preparing for a Currency Crisis with Property Ownership
The speaker suggests that owning property debt-free could be beneficial during a currency crisis. While hyperinflation might make debts easier to pay off due to an increased money supply, it also leads to economic instability, potentially making it harder to secure a job or maintain assets. The paragraph explains that debts do not simply disappear post-collapse; they are repriced according to new economic conditions. It also highlights the modern credit reporting system, which makes it difficult to escape debt obligations, unlike in the past.
💼 Strategies for Financial Protection During a Currency Crisis
Nolan Maias advises viewers on how to prepare for a potential currency crisis. He suggests keeping a low baseline by not increasing monthly expenses in line with income and setting a personal debt ceiling. He also recommends consistently reducing debt and investing in assets that retain value, such as real estate, which tends to fare better than other assets during economic crises. Diversifying assets geographically is also proposed as a strategy to hedge against currency collapse.
🌐 Global Implications of a US Currency Collapse
In the final paragraph, the script addresses the global impact of a US currency collapse, noting that while the debt figures are concerning, the US economy remains robust and growing. It points out that other countries have a vested interest in the US economy's stability due to trade relationships and holdings of US dollars in their foreign exchange reserves. The paragraph concludes by emphasizing that a currency collapse is unlikely for the US, and viewers are directed to another video for a deeper understanding of US debt and its service costs.
Mindmap
Keywords
💡Currency Collapse
💡Hyperinflation
💡Debt
💡Fixed Exchange Rate
💡Floating Currency
💡Interest Rates
💡Debt Repricing
💡Credit Bureaus
💡Tangible Assets
💡Diversification
Highlights
Currency collapse can make paying off debt easier due to hyperinflation, but it doesn't necessarily wipe out debt.
Fixed currency exchange or peg to another currency is a common cause of currency collapse.
Floating currencies are less likely to collapse because they fluctuate with supply and demand.
Investor sentiment plays a crucial role in currency value, and a shift can lead to a collapse.
Economic conditions, not just money printing, often lead to currency devaluation.
The US dollar is less likely to collapse due to economic mechanisms in place.
Different types of debt react differently to a currency collapse.
Credit cards are high-risk debt and problematic during a currency collapse.
Short-term notes and lines of credit are likely to be called by banks during a crisis.
Mortgages are relatively stable assets during a currency crisis.
Hyperinflation can make debts easier to pay but also increases the cost of living.
Debt does not disappear in a currency crisis; it gets repriced or replaced.
Governments protect creditors, so debt is unlikely to be forgiven in a collapse.
Modern credit reporting makes it harder to escape debt after a collapse.
To prepare for a currency crisis, keep your baseline expenses low and debt ceiling manageable.
Owning tangible assets without debt can protect you from currency fluctuations.
Diversifying assets geographically can hedge against currency collapse.
The US dollar is unlikely to collapse due to the size and growth of the US economy.
Transcripts
what would happen to your debt if the
dollar collapsed I mean if the currency
that you borrowed a bunch of money in
was no longer worth what it once was and
there was an abundance of it available
thanks to hyperinflation wouldn't that
make paying off your debt substantially
easier and if the currency got replaced
completely wouldn't that wipe out your
debt well not exactly and in this video
I'm going to discuss currency collapse
what you need to understand about how it
happens and the mechanisms in place then
I'm going to discuss what would happen
to your debt if the US dollar did in
fact collapse and then I'm going to talk
about how to prepare yourself and
protect your money so that in the event
that the inevitable or maybe the not so
inevitable actually happened you would
be prepared and not find yourself in
financial R but before I get into all
the details my name is Nolan maias and
if you want to thrive financially this
is the place for you so do me a favor if
at the end of this video you found it
interesting or you found it informative
hit the like And subscribe button so
more people like you can see this video
as well if really helps for the YouTube
algorithm okay so let's get into it
let's discuss currency collapse and how
it would affect you and specifically I'm
going to talk about your debt your
assets and how to protect yourself in
case this crazy scenario that is
seemingly more talked about and more
popular to talk about than ever actually
occurred in order to understand what
would happen to your debt and the value
of your assets first we need to start by
understanding currency collapse and the
basics of why this happens now as much
as many people would like to have you
believe that the US is at serious risk
of a currency collapse because of all
the money Printing and all the other
stuff that by the way happened in pretty
much every other country around the
world and in pretty much relative terms
to the US the reality is is that there's
some mechanisms involved with currency
collaps that make it a little less
likely for the US to find themselves in
a similar situation but also make it
highly likely that there are going to be
other countries that do find themselves
with a currency that is devaluing at a
very sign ific Pace a lot of the
currency collapse that's happened over
the last century is largely due to
something called fixed currency exchange
or Peg dollars in fact pretty much every
country over the last 100 years going
back to Germany in 1920 whatever it was
well pretty much all of them had a
pegged or fixed currency either a
currency that was pegged to another
currency or was pegged to something like
gold or silver or petroleum for example
and floating currencies rarely
experience the same sort of issues the
reason for this is because a currency
like the Canadian dollar or the US
dollar or the British pound or the
Japanese Yen I think it's called I
always get the Yen and the WAN confused
the one by the way is very much a fixed
currency although it is revalued on a
daily basis but pretty much any floating
currencies have one thing in common and
that is that the values of those
currencies fluctuate with supply and
demand so if there's something happening
in a country that makes investors scared
to be there well the market prices in
those potential issues and that's why
you see different different currencies
fluctuate relative to other currencies
on pretty much a minute-to-minute basis
it is because the real-time issues that
are happening in those countries are
being priced into the values of the
currency that's also why you see that
when a country increases interest rates
typically the value of their currency
goes up because it becomes a place where
people want to invest their money in
exchange for higher return and in the
same way if you see interest rates going
down relative to other countries like
what could happen in Canada in the next
little while well then the currencies
come down in value and that is because
there are less investors that want to
invest in a place where they can get
lower returns it's really a simple
mechanism that controls the values of
those currencies but the problem becomes
when a government or a central bank pegs
their currency or fixes it and says it
is worth this much until we tell you it
is worth something different and the
problems happen in countries that have
fixed exchange rates when the sentiment
in that market shifts so in other words
when investors no longer believe that
the value of the currency is what the
government is telling everybody that it
should be and this is very much what
happened in Germany Venezuela Brazil
Mexico and pretty much every major
currency devaluation in the last 100
years essentially the government had a
currency that they said was worth X and
investors said it seems like it's worth
significantly less than that so we are
going to get the heck out of Dodge sell
all of this currency and that is when
major problems start to happen and not
only that in the same vein citizens of
the very country that the currency is in
also start to sell goods and try to
exchange their currency in the country
that they live in which they start to
believe is not worth anything in
exchange for foreign currencies in order
to protect themselves in fact if you
look at Venezuela almost half of all
trade in Venezuela is now done in US
dollars as much as Venezuela absolutely
hates the fact that the US even exists
at least of course from an economic
standpoint now there's a bunch of things
that can lead up to these massive
devaluations the first is when it
becomes clear that an economy is not
going to be able to pay its debt this
often comes when there is low growth
lots of spending and a tax base that
just cannot afford to be able to pay the
debt that they owe to other countries
now of course there's always lots of
talk about the US debt and how it's so
high and the debt GDP ratio is high but
the reality is is the cost of servicing
that debt is still very much in line
with what the US can afford based
primarily on GDP and the amount of money
that the economy is essentially creating
so if the economy is growing and it's
growing at a rate that is faster than
the cost of servicing the debt well
everything is pretty much fine and by
the way at the end of this video I'll
link to another video that explains the
difference between the debt to GDP ratio
which is the alarming number that you
see in the news every single day and the
actual cost of service of the debt which
historically is actually not as high as
one might think it is and this is
largely due to lower interest rates now
when it comes to these currency
collapses the actual printing of money
and the excess amount of money that is
being pumped into the system is usually
not the actual disease the disease is
very much the economic conditions that
the country is facing so the
hyperinflation or the devaluation of the
currency is the symptom but there's
usually something else going on in the
country that no longer allows them to be
able to a support the fixed value of
their currency and B actually be able to
earn enough income in order to be able
to support the debts now of course the
devaluation of the currency can be
offset by increasing interest rates the
problem with that though is when you
already have an economic catastrophe
that is leading to hyperinflation and
having to print money if you start to
increase interest rates without solving
the original problem first well that
makes pretty much everything less
affordable while at the same time you
have the inflation and still have all
the underlying problems which basically
leads to more hyperinflation because
eventually you have to either print more
money or you have to lower interest
rates both of which are of course
inflationary so it becomes this endless
loop that is caused by the economic
conditions that have led to it and when
you see investors and citizens basically
flocking away from the currency of a
country it is most often very directly a
government related issue it is a lack of
confidence in the current Administration
to be able to provide the Necessities
which is for the most part economic
growth grow that is required to support
the currency and to support the citizens
so pretty much everyone gets out of
Dodge and all of a sudden you have a
currency that's collapsing so then the
question becomes what happens to debt
well first we need to understand the
different types of debt of course there
is the basics there is the credit cards
there is the short-term notes which is
things like lines of credit and other
short-term notes that are expected to be
paid back pretty much when they are
called by the bank then there are the
car loans and the mortgages now
obviously credit cards are problematic
because of they're extremely High
interest rate and these are just things
that nobody should have at any given
time and somebody who has them even
during a currency collapse is very much
leaving themselves exposed to a
situation where they will not be able to
pay their bills and when hyperinflation
happens or the value of the dollar goes
down or whatever currency it is well
that leads to not having enough money to
a be able to pay the credit cards but
also the credit cards are typically a
symptom of overc consumption and if
you're overc consuming and the value of
the dollar goes down well that leads to
just more overc consumption and it's
just very much a signal of bad habits
that are not going to get any better
when hyperinflation rolls around then
there's short-term notes and these are
the types of credit facilities the types
of loans that are probably going to be
called first by the Banks anybody who
has borrowed off a line of credit or is
any sort of borrowing that's been done
on a short term is probably going to be
asked to give the money back because the
expectation is that if they bored it on
a short-term basis that they're probably
going to have the money available to pay
back those loans quite quickly so those
become the low hanging fruit of course
in a hyperinflation scenario if you've
got debt that's called and you can't
find the money in order to pay back that
debt well that becomes problematic and
of course you've got car loans which
it's my belief are the number one wealth
killer in the world and these are the
types of loans that are still secured
against something but that doesn't
necessarily mean that they are the best
type of loan to have either now the last
one which is mortgages this is the type
of loan that you have in order to
obviously own a home and this is the one
asset that pretty much regardless of
what's happening with the currency is
probably going to remain relatively
stable relative to all of the other
assets now of course when you have a
currency crisis you're going to see a
certain amount of people trying to leave
the country but for the most part a
large majority will stay in the country
which means they all need a place to
live which means that property relative
to most other assets is probably going
to do very well now that doesn't mean it
won't go down of value it'll just do
well relative to everything else so if
you can own property or own multiple
property and own it debt-free well
you're going to be the type of person
who has the least pain when there is a
currency crisis now one might believe
that during a currency crisis when
there's hyperinflation there's going to
be so many more dollars available
relative to the amount that are
outstanding on your loans and that this
should make it pretty easy to wipe out
any debt that you have and this is
partially true yes hyperinflation can
make your debts easier to pay if you can
in fact get enough currency to pay off
those debts while also trying to pay for
all the other necessities that are going
up significantly in value as you were
trying to buy them and that
hyperinflation is very much an indicator
that there is a significant amount of
economic instability which means it
could be harder to get a job it could be
harder to keep a job and it could be
harder to actually maintain assets that
are going to grow in value with the
amount of debt that you have or I guess
not really with the amount of debt that
you have but with the amount that prices
are going up because when things are
getting more and more expensive on a
day-to-day basis and the amount of
dollars available aren't keeping up to
that well that makes it very hard to
find the funds to be able to pay for the
Necessities let alone pay for all the
debt obligations that you have and I
cannot emphasize enough that one of the
biggest problems in a currency crisis is
that there aren't enough jobs to allow
people to make the money that they need
in order to have the Necessities LED
alone pay the debt but that doesn't
necessarily mean that you're going to
get off got free just because the value
of the debt is going down and because
you don't have a job to pay for it
because in the past you may have been
able to default on loan and only the
bank that lent it to you would know but
in the modern era of credit bureaus that
isn't the case and I'll get to that in a
second so what inevitably happens in a
currency crisis is that eventually the
debt either gets completely repriced or
it gets replaced and what happens with
debt is that inevitably that debt get
gets repriced as well either in whatever
currency replaces the original one or
whatever ratio that is deemed to be the
correct ratio when there's a revaluation
that takes place so what that means is
that just because you have a debt that
is so much smaller in valuation relative
to where the value of the currency went
when the debt actually gets repriced
you're pretty much going to have your
debt completely repriced in line with
that so that your obligation to the bank
is essentially going to be the equiv of
what it was before and even though your
contract for your debt would have been
in one currency at one valuation the
types of revaluation that happens has
nothing to do with your contract with
the bank it has everything to do with
the government and when the government
mandates that there's an adjustment in
the currency that applies to everything
including your debt regardless of what
the contract stated so if your contract
is in US dollars but the US dollar is
replaced by something completely
different well you're pretty much
screwed because your debt is going to be
repriced into whatever the new currency
is anyways so your debt doesn't
disappear and in fact because of how
much harder it is to make money and keep
money during an economic crisis well
your debt could actually be more
burdensome than it was before because
governments always protect creditors
they have to if they don't they lose the
very mechanism that allows the money
supply to actually work and actually be
traded so when it comes to debt there's
very rarely a debt Jubilee once you have
the debt expect that you're going to
have to pay it off regardless of if the
currency that you borrowed it in is
different than the one that exists when
the currency collapses but that's not
even the bigger problem because that's a
problem for the economy as a whole but
as an individual there's one thing in
the modern economy that we haven't had
in the past when there's been currency
collapses and that is modern-day credit
reporting which keeps track of who pays
their bills and who doesn't pay their
bills like I said before it used to be
that if you borrowed from a bank and you
didn't pay them back you could go and
build a relationship with another bank
and then you could get loans again but
now in the modern day if you default on
a loan that's going to be reported on
your credit bureau which means not only
is it going to be really tough right now
but for the next 7 years at minimum you
aren't going to be able to borrow any
money if ever at all so in the past
where a currency crisis would mean
defaults on debt and then you wouldn't
have any issues because eventually when
things were covered you could go and buy
new money to buy another home or
whatever in the modern world the people
who pay their bills will be the people
who can borrow money and the people who
don't pay their bills will be pretty
much out of luck even though there was
an economic circumstance that warranted
the not paying of the bills the fact
that you had taken on too much debt
obligation where others had been able to
pay makes you less worthy of being able
to get a loan which makes life a lot
more difficult so the question is how do
you prepare well the preparation for a
currency crisis is the exact same
preparation that well you should pretty
much be doing regardless and the first
thing is to keep your Baseline low and
what I mean by that is most people as
their incomes go up and as their
Investments increase in value they start
to increase their run rate so they start
to spend more money in line with the new
money that they have but the trick to
being financially free is to keep your
Baseline low so in other words your
monthly expenses on any given month
shouldn't be increasing regardless of if
you have more money in your Investments
or making more money if you can find a
living situation that is perfect for you
doesn't have to be extravagant but
doesn't make it so that you aren't
laying out more and more money as you
earn more and more money well that will
give you the freedom and the tools that
you need in order to be financially
independent and most importantly that
will also allow you to pay down your
debt faster because buying one home and
paying it off as your income increases
is a significantly better path to wealth
than buying one home and then when your
income increases buying a nicer home
that you probably don't really need and
is just bigger and harder to clean now
in addition to keeping your Baseline low
it also makes a ton of sense to set a
personal debt ceiling so for me I like
to keep this at no more than 25% of my
income going towards any sort of loan
obligations whatsoever I know that if it
never increases past 25% I'm pretty much
good and I set this debt ceiling based
on my income at the time I set it it's a
debt ceiling for a reason you don't
increase the debt ceiling as you make
more income you leave it constant over
time and then if you make enough money
to have a couple extra 100 Grand that
you can buy a new property with while
maintaining no greater amount of debt
awesome but you want to do everything
that you can to over time make sure your
debt is minimized and if you just keep
your debt cealing at the level that it's
at today in 20 years if you have no more
additional debt well your debt relative
to what it was 20 years ago is actually
going to be significantly less and is
significantly more manageable which if
the currency ever actually collapses
means that you're in a position to
actually be able to pay it off and get
rid of it should the writing on the wall
suggests that you need to take
protective action then in addition to
that if I don't need to keep the debt at
that debt ceiling I want to consistently
try to reduce that debt over time and
get it to zero as fast as I possibly can
because here's the thing that people
don't understand about debt is debt
equals risk having debt allows people
companies governments to come and take
your stuff when you don't repay loans
and if you don't have a loan well it
makes it pretty hard for them to be able
to take your things so getting rid of
debt reduces your risk to zero and zero
risk means that no matter what happens
in the economy you are protected then in
addition to that you want to be buying
assets that retain value relative to
other things when there is an economic
crisis so even though the values of real
real estate went down for example in
2008 relative to pretty much everything
else they actually maintain their value
pretty well especially when you look at
the values of stocks so if you buy
assets that relative to everything else
are going to maintain value so these are
hard tangible goods that nobody can take
away from you well that protects you
from currency fluctuations because even
if the currency fluctuates up down all
around it doesn't matter because a house
is still valued at the value of a house
relative to everything else like a car
and so on and so forth so even if the
currency fluctuates owning things that
are going to maintain their value
relative to foreign currencies is a
really good idea and then last but not
least if you are really concerned about
a currency
devaluation one of the best things you
can do is diversify your assets
geographically so in other words buy
assets from other nations so the reality
is in a currency crisis it's not about
whether or not your debt is going to get
canceled because it's not it's all about
what what you own and how much you owe
and the less you owe the less risk that
you have so owning things like real
estate cars that don't have debt land
and gold although don't put all of your
money in Gold because if the currency
doesn't collapse that might not be the
best investment there's other videos on
this channel about that but having those
tangible assets that you don't owe any
money on that nobody can take from you
are what helps people in an economic
crisis survive it's all about owning
tangible assets not having any debt yet
and then on top of that if you are
genuinely worried about the dollar
collapsing well then it makes sense to
start buying at least some foreign
assets not all foreign assets I'm
talking about 10 15 20% of your
portfolio being in foreign assets that
are denominated in foreign currency this
might mean buying stocks on foreign
exchanges it might mean buying Bonds on
foreign exchanges and it might mean
owning land in foreign countries as well
because if you own assets that are
outside of your current currency that is
a way to hedge yourself against your
currency actually collapsing but at the
end of the day here the reality is is
that the US still has one of the biggest
economies and even though those debt
numbers are scary and the debt to GDP
numbers are scary the US economy is
still the biggest economy in the world
and it is still an economy that is
growing and the growth supports the debt
which means that the fear of a currency
collapse although not impossible is
still unlikely and keep in mind as well
well that all the other countries
including the brics Nations have vested
interest in seeing the number one
trading partner in the world for pretty
much all of those countries not have
their currency collapse because they do
carry a significant amount of US dollars
in their foreign exchange reserves which
means if the US economy collapsed and
the US dollar collapsed well they're in
just as much trouble as the US itself oh
and if you want to see more on the US
debt and the US debt ceiling and why the
actual cost to service the debt aren't
as scary as you might think make sure
you check out this video right here
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