Zeus Projects

Money is a technology of change and transport. It allows the holder to transport energy through time and space.In other words you normally work for money and use it to purchase someones work at a different point in time. Therefore money, as every technology and industrial revolutionary age will suffer multiple iterations and improvements. The current version of money that we know is nearing its end and death cycle. This has happened in history and its either you win or lose. Change is inevitable. In 1989, Judge magazine published a theory on the dangers of electricity and described it as being a monster that would destroy everything, steal your children and kill your horses. Of course, today we are way past that. Today, electricity powers everything including cars. Even horses were believed to be permanent land transport vehicles until steam boilers powered by gas engines and later modern cars began to be manufactured.

Historically, anyone who leverages new technology comes out ahead. Think: Gunpowder vs bows and arrows. Using animals for agriculture vs using machine tractors. Handcrafting items vs factories that can mass produce. Searching for info on a library vs Google-ing. If youre playing the game of scale, those who technologize first are the winners. People doubted the internet and personal computers (PCs). The current money that we have is an outdated tech where the government prints pictures on pieces of paper, cotton, stone or plastic and convinces society to pretend that kind of money has value because the government says so as they control the printing press causing a dramatic increase in the money supply. The more liquidity there is in the market, the less value each dollar holds. The excess of cash causes inflation of prices, expenses, stocks, consumer goods and even lifestyle costs.

Since 2021, the cost of consumer goods went up by 5.4%. Savings started to disappear, the unemployed took the worst hit and an economic bubble was created, making things unstable. Whatever percentage of interest you get in your savings account, it is not enough to cover inflation and although the government promises to fall back on prices this year starting March, the truth is your money loses value while sitting in your bank account or in your bag buried in a backyard with each passing day. Historically, currencies have their own expiration date due to changes in diplomatic arrangements or technological developments. We went from selling seashells on the sea shore to pieces of leather, to marbles, to gold, to coins, to paper, to digital. We're already witnessing the transition to a cashless society and there is no stopping that fact unfortunately. What the bible predicted must come to pass. Since 1971, money has been off the gold standard.

Ever since, the US has used its military might to enforce itself as the reserve currency of the world, all major commodities such as oil or raw materials are traded in US dollars. However the US dollar was banned from being converted directly into gold during the 1970s. America crushed Iraq because Saddam Huseein wanted to sell oil in Euros instead of US dollars for “stability” purposes. Everytime you create more of something, the price for each individual drops if the demand stays the same, due to dilution of the offer. In money terms, this is called inflation. But the US was sneaky because over 65% of all the US dollars in circulation are actually outside US jurisdictions. Everytime the US prints more money, they are exploiting the inlation as well, thus robbing its citizens and other countries of their wealth.

The commonwealth games resume. If the start ofthe year 2000, most countries had roughly 80% of their reserves in US dollars, now that number is getting closer to 50%. Of course, other countries have smarted up and no longer wish to have their economies pegged to a continuously diluted dollar, which since the removal of the gold standard has lost over 90% of its purchasing power. Money depreciates at a fast rate thanyou can comprehend. Yet since 2020, the world`s top 10 richest people managed to double their fortune meanwhile the poor get poorer. In 1970, American banks gained an interest rate from 7 to 11 percent. Today banks provide no more than 0.06%. Meanwhile the cost of living has skyrocketed and fewer families receive a decent middle class-income.

That's unfair right? I mean, why would you go to work if they are diluting your pay? Why bother working for an employer when the government can simply just print money out of thin air and gave everyone money for free? Most millennials born today are pretty much destined for a life of consumerism and debt. Teenagers today are unlikely to afford a home throughout their entire life. Picture yourself being 21 with 100 000 dollars in worth of debt that you will have to repay. You didn‘t even start your life yet and you're already in the negatives. The entire modern economy is based on consumption and the iterative need for rapid innovation. In order to keep this diabolical charade alive, you need to spend more money than you did last year or everything will collapse! So every country in the world is in debt and people are unhappy of being robbed of their wealth.

The saddest part is that while a 3% yield was good enough to allow you to retire, now even 6% wont cut it. The S&P 500 is a stock market index that tracks the stocks of 500 of Americas biggest companies. The average lon-term return of the S&P 500 or 1040 is somewhere around 7 to 8 percent annually which is also barely above the inflation rate. Now, it has had higher returns in the last 10 years but the downside is the valuation of is that its not easy getting in. So how can this financial problem be solved? Lets re-use the title of this blog again. R.I.P Money 3.0. Its time to say goodbye to old analog tech and say hello to new digital tech.

Enter Money 4.0

The digital version of anything has an exponentially bigger impact than the analog version ever had. Albert Einstein said: “Compound interest is the 8th wonder of the world, those who understand compound interest will earn it, but those who do not. pay.” Approximately 81.5 billion dollars of Warren Buffets 116 billion came to him after his 65th birthday. Yes he makes good choices with his investment but his secret is TIME. To work better as an investor you must increase your time horizon meaning sticking with an asset long term for good returns in the future. It's less about high returns and more about earning good returns over the longest period of time. This is where compounding comes in. Compounding means “interest earned on interest” or in more detail it means you get interest on your initial deposit and the interest that keeps getting added to it. So it`s all about taking your earnings and re-investing them back into the asset. to generate higher returns.

If for example, you workat Amazon and earn $2 per hour, you would reinvest that $2 to get $4 and you would re-invest the $4 again to make $8 etc. Instead of spending your income you reinvest them back to make more money. Warren Buffett started investing at the age of 11, since then he has had an average annual return of 22% which is twice the average stock market return. However, 22% is nothing compared to a 66% annual return that Jim Simons makes. Jim is a mathematician who runs renaissance technologies. However, despite higher returns Jim only a quarter of Buffetts wealth. Why? Because Jim hasnt consistently compounded his wealth for as long as Buffett has. Buffett has more money than any investor in the world because he has spent more time in the market than anybody else. There is an advantage to getting in early and sticking around for a long time. If you are thinking of investing and planting those seeds, you should start NOW!!! Invest your money and plant those seeds, stay invested by watering your seeds and give them enough time to grow into flowers, fruits and trees. Doing that is a good way of taking advantage of compound interest.

This new door to instant access to compound interest instead of simple interest was opened up by blockchains and the mass adoption of smartphones. Consider this: “What if there arose a new digitally native type of money where the supply and flow wasnt controlled by the government?" This is the same contrarian idea that many people disbelieved the same way they had disbelief about cars, computers, the internet and electricity. But why is it really necessary to kill old analog money 3.0 and upgrade to new digital money 4.0? Imagine if humanity does become a multi-planetary species and we establish a sustainable colony on Mars. What happens then?

Will humanity take the gold bars and the stacks of cash, throw them on a rocket and fly to Mars? Will we borrow the failing inflationary currencies of earth or will we use a digitally native currency thats unmessable -with? It’s a fact. "Cash is trash."- Ray Dalio (Davos 2020). Every sinlge year, the paycheck you earn as income decreases in value until it eventually becomes worthlessly useless and uselessly worthless. Nobody wants to hold onto a melting ice-cube thats melting in a hot room because the government is controlling the thermostat. So what store of value and financial haven will you use to protect yourself?

What`s Next?

Humanity is being prepared for a digitally first economy that scales up to multi-planetary. Even if it ends up Bitcoin is not the store value of choice, the door to this technology has already been opened. Blockchain based crypto currencies are here to stay. And as we explained in our previous money blogs, the Metaverse and NFTs will actually give people an opportunity to own something that other people can`t mess with. So we strongly encourage everyone to move from a spectator position to that of a participant. If however, bitcoin happens to be the preferred store of value then ethereum will be the gas that fuels this new digitally first economy. Bitcoin is a better inflation hedge because of its limited supply.

There will be no more than 21 million coins and over 19 million have aready been mined. A fixed supply, means no new coins can ever enter circulation meaning there can never be inflation. Justlike gold Bitcoin is interchangeable and secure but unlike gold Bitcoin is also portable, transferable and arguably more decentralized because even gold supply is controlled by sovereign nations such as China and the US but theoretically speaking, anyone with Bitcoin can store it and protect it easier than they can with gold.

You might not know how this crypto-digiverse really works yet many people dont even understand how exactly electricity works but reap its benefits. Many countries will be left behind because they simply just dont get it. North Korea is such an example. Think about wealth, what wealthy legacy you want to leave for your kids and what it truly means to own something. So instead of keeping your money in the bank and letting it lose value everyday, invest it in land, cash-flowing businesses, real-estate, precious metals (gold and silver) to hedge against inflation, car rental purposes and continue tracking your budget and diversify your investment portfolio by investing at least $100 as soon as you can into bitcoin, ethereum and other cryptos as an assymetrical risk. Let this new international inflation-resistant asset appreciate with compound interest for you because compound interest is the 8th wonder of the world. “Make money work for you. Don`t work for money.”- Robert Kiyosaki.

For example. let’s say you have your eyes on a brand new Tesla performance model which retails at $62 190. And let's say you have the money to buy it cash at full price right now. You might just go ahead and order the car for yourself without a second thought. I mean why not? You have a dream and the money to fulfill the dream. But a person with an investment mindset would think differently. If they have $62 190, they will buy an asset for that price that will appreciate in value overtime. According to Robert Kiyosaki, financial intelligence is the ability to control cash-flow. So cash-flow is the difference between an asset and a liability. Where does the money flow? If what you buy gives you money every month (short-term) or in the long term then it is an asset but if the item that you buy makes you spend even more money every month without bringing in profit then it is a liability. So is a car an asset? No!

It is a liability but banks define it as a depreciating asset because of the car insurance, gas upkeep and maintenance and the potential to generate income although depreciative in value as ages pass etc. Either way a person with an investment mindset would rather buy a taxi car or a rental property and use the accumulated income generated overtime from that asset i.e. ‘taxi car’ or ‘rental property’ to buy the Tesla EV performance model.
You should also create a financial safety net by saving a percentage of your salary on a fixed-single deposit as an emergency saving or a saving for retirement.

These are keys to building real wealth that can last for decades and even longer. Start as soon as you can and as early as possible with immediate effect and urgency. Best of luck with your financial endeavors. See ya on other side😉.