Tom Karadza
@tomkaradza
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#Bitcoin Co-Host Your Life! Your Terms! Podcast, Co-Founder Rock Star Real Estate, Keen Interest in Monetary System, Espresso & the Adriatic Sea
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Joined September 2008
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🚨 UPDATE: Canada's M2 just hit yet another new all-time high. Debasement party continues.
So much for higher rates slowing this down. Forever higher dollar prices of everything are mandatory?!
#Bitcoin
is the way ... it cannot be debased on you. Thx. /2
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Just for fun...pulled up Canada's M2 growth from the year I was born & compared it to US M2 growth.
Canada seems quite good at currency debasement. I wonder why housing, rent & food is so expensive here? I can't seem to put my finger on it. 😬
#Bitcoin
cannot be debased. Thx.
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Canada's M2 just hit a new all time high? I thought July may be a fluke but now August data is up even more.
Weren't high rates supposed to calm this?
/2
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We tax your income. We tax your spending.
When you spend your after-tax dollars ... we tax the business that receives them.
If you manage to save anything at all we'll tax any increase you earn.
We'll decrease the value of your after tax dollars by printing more and more…
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The passion for
#Bitcoin
is sometimes misunderstood because it's viewed as some strange new asset. To me it represents the opportunity of my lifetime, to fix what is broken.
@saifedean
summarizes it beautifully in this passage of The Bitcoin Standard 📖:
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UPDATE: Canada's M2 is up yet again. LOL!!
Maybe grab some
#Bitcoin
just in case this trend continues (next post has historical context).
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All of Canada 🇨🇦 should be paying close attention to
@FossGregfoss
right now. As he would say...for the kids!! It's time for each of us to study up on
#Bitcoin
Canada total debt / GDP = 3.71x. The debt spiral requires accelerating printing of the “loonie” and related debasement. Our credit is already a single-A risk in the eyes of the CDS market…
#btc
is insurance on head in sand finance.
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Canada is having lots of fun with money printing.
Trend from 2000 - 2020 was 6.89% compound annual growth rate (CAGR).
Trend from 2000 - 2024 is 8.18% CAGR. Your dollars are losing purchasing power faster lately.
#Bitcoin
Your Canadian dollars are now losing purchasing…
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Canada created another $2.241 Billion dollars out of thin air in just 30 days! Impressive.
M2 Money Supply in Canada just hit another all-time high coming in at $2.493 Trillion dollars in December.
The debasement train rolls on...destroying the populations purchasing power…
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You never know where the
#Bitcoin
rabbit hole will take you!! Now my son and I are going to
@TheRealTahinis
to satisfy our Shawarma cravings when we're in London, Ontario b/c of
#Bitcoin
, it was great!
@NickKaradza
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Canada's money supply (M2) has grown 33% in less than 48 months.
Currency debasement in action ... the silent thief.
Grocery prices up, rents up, lack of new housing and no talk of debasement by policy makers. The problem hiding in plain sight.
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Bit of a ramble, bit of a rant ... I was messing around with midjourney and made this image and somehow all of this then came to mind for me (LOL!):
My parents came to Canada as young adults. One on a plane, one on a boat.
They met here and had two kids, myself and…
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Wow. Less regulation and more housing? No way.
I wonder if Canada could learn anything from watching this unfold? 🤔
🇦🇷 ARGENTINA:
With Milei’s decree deregulating the housing market, the supply of rental units in Buenos Aires has doubled - with prices falling by 20%.
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Money illusions are fun!! Check this out...
Are property prices going up in the Toronto area? They sure feel like they are.
Or is the mighty Canadian dollar losing value??
We asked ChatGPT to calculate the compound annual growth rate of Toronto area (TRREB) real estate…
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Latest graduating class of
@TheRealTahinis
shawarma class!! Big shout out to
@FossGregfoss
and Ali for stopping by for a podcast today!! 🔥🔥🔥
@NickKaradza
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@SamirKayande
Samir as a fellow Canadian this type of comment shows you have not studied well.
Keep learning. Do better. Fiat is the magic bean. Learn why. Ask more questions.
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Another new All Time High for M2 Money Supply in Canada. Sept 2023 sets a new record.
"High rates" are really slowing the money printing. 😎
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So staring at this chart makes me think the U.S. in entering its debt spiral phase.
We're really going to keep rates "higher for longer" without expecting some financial fireworks somewhere? Come on.
The math just gets hard here. As global math mentor
@FossGregfoss
says…
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Canada had 955,000 new arrivals ✈️ via permanent and non-permanent residents in 2022. And 2023 may reach 1 million.
Maybe one day we can come up with a plan for housing 🏡, health care 🏥 and transportation 🚃 to accommodate this. One can hope right?!
@NickKaradza
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Every since
@FossGregfoss
explained that Global Debt to GDP is approx. 4:1 my mind has been blown.
It's the easiest way to understand that there MUST be more inflation ahead.
There can be pauses, but by pure
#math
there must be more. Much much more.
#Bitcoin
much?
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Are real estate prices going higher or lower in the Greater Toronto Area?
Here’s what most people do not understand.
Incomes and real estate are in the process of diverging further.
Unfortunate but true. And there is hope.
Here’s why ... 🧵
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@SteveSaretsky
The lack of coordination between Federal immigration targets, Provincial and Municipal planning and builder incentives is absolutely astonishing. Unbelievable really.
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Jeff is a hero. If you are trying to make sense of what is going on in our economy and beyond check out his book: The Price of Tomorrow
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@JohnReedStark
Been there John. Map out the characteristics of what you think makes a good money and then map those to Bitcoin. It may be a useful exercise if done with an open mind.
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In Canada your entire financial future revolves around trying to outpace M2 growth.
If you're income/wealth doesn't grow faster than the line on that chart you're purchasing power is going down ... you're falling behind financially. Crappy.
Wish they taught me that in school.
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Hey
@jack
let's get
@DylanLeClair_
the "tips" option on Twitter happening. He's 20 years old, educating all of us and all around good guy. The future is bright!!
#Bitcoin
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@LynAldenContact
always shares such incredible insights and on this episode of the YLYT Show she does it again! We chat deficits, comparing the 1940s to today, real estate and of course
#Bitcoin
. The links are all shared below... 👇
Lyn Alden - Our Economic Future, Central Bank Digital Currencies, Deficits, Real Estate & Bitcoin
Learn more about Lyn at
Full podcast episode here 🎧
Full YouTube video here 📺
#podcast
#investing
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@BenRabidoux
There is a name for this type of economist system. It’s escaping me but I know there is name for it. 😎
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Oh yeah! The
@JeffBooth
episode is live over here: . Really enjoyed the chat. After reading The Bitcoin Standard (
@saifedean
) and now this my world view has changed forever!
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Just recorded a podcast with
@francispouliot_
... he is pure signal 🔥🔥🔥. Excited to share, will go out shortly.
Big thanks to the
@BullBitcoin_
team for setting it up. 🙏
#Bitcoin
is the lifeboat in a stormy sea of fiat M2.
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Here's the big picture ... the debasement continues.
How fast does that line go up when the next unexpected crisis hits?
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@liberal_party
Actually, I think this is hurting Canadians...
Canada's money supply (M2) has grown 33% in less than 48 months.
Currency debasement in action ... the silent thief.
Grocery prices up, rents up, lack of new housing and no talk of debasement by policy makers. The problem hiding in plain sight.
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@coryklippsten
It's freaking great that you're out there explaining this. Used to work at Oracle for years ... blockchain is a slow database.
To add, ETH/Web 3.0 is client/server to BTC's web architecture.
Web/Cloud crushed client/server. BTC will crush the others.
#Bitcoin
for the win.
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@DylanLeClair_
@paraga
The value you bring transcends a blue badge. Thank you for what you do and keep going!!
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This is absolutely wild to watch unfold. 10% of all revenues to just service debt. Wow.
5-year bond yield just hit 4.5%😱
Highest since early 2007!
What does this mean for our taxes?📊
Last 4 months (April-July 2023):
Gov. revenue: $146B
Interest Payment: $14.5B
∼10% debt-service-ratio
Soon, over 11% of our taxes will be used for Gov. debt interest!
#cndpoli
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OK just listened to the intro with
@FossGregfoss
explaining his trading floor humour. Hilarious.
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@PrestonPysh
@saylor
As an old gold guy … I agree 100%. Loved what gold once stood for …
… but today
#Bitcoin
is the way. An advancement in the technology that is money.
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Here's the big picture...if you're not growing your income by 6.94% per year (compounded) you're falling behind financially.
So if your investments are earning you 7% per year you're barely keeping pace with the debasement of your currency.
Thx for playing.
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Just for fun we pulled some M2 Money Supply (aka, debasement) data for Canada.
Compared it to the 2% CPI target for my own personal amusement ... good times in Canada eh?! (and yes, I know M2 growth is not what CPI is measuring but let me have some fun, thanks)
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@bankofcanada
Quick question. Does your financing of gov spending have anything to do with inflation? Thanks.
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Yes GTA property prices are going up b/c of lack of supply, increased demand (pop. growth) and cheap money (low rates). But mostly b/c M2 is exploding🤯. The value of our dollars is getting devalued. If we want to fix property prices we need to fix our money. Hello
#Bitcoin
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At last week's YLYT Event
@JeffBooth
gave a great talk: Navigating Humanity's Greatest Paradigm Shift
Here's the recording followed by a short Q&A session...
#Bitcoin
@NickKaradza
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So few understand this...
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@RyanSAdams
Crypto doesn't do anything that a distributed database with a few admins doesn't already do better.
It's not solving anything and it's centralized but sold as distributed.
#Bitcoin
is very different.
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Hey
@RaoulGMI
... curious, how to you think about the network growth of
#LightningNetwork
when it comes to
#Bitcoin
and Metcalfe's Law? Seems like it's quietly growing quickly and may be hidden in plain sight somewhat. Any relevance to your analysis?
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@JeffBooth
Jeff to have you speak to this group of people that we care so much about was extremely fulfilling for me personally. Thank you.
You didn't have to travel across the country for it but you did.
You created many new Bitcoiners from that chat.
#Bitcoin
for the win. 🙏🔥💯
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@Penlane1984
Absolute madness to watch a great middle class country break in real time. People have been fooled to into thinking an income will pay for life in Canada. It's sad.
We seem to be entering a modern feudal era.
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@SteveSaretsky
I wonder if any of these people clapping in that video know what "rapid debasement" means?
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Pssst ....
"You pay high taxes only to uphold the illusion that you are funding the government ... the government is funded with money printing. Paper backed with paper ... a bubble that will inevitably burst."
... spread the word.
Check out
#Bitcoin
in case it catches on.
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Check out what happens when you map Toronto area (TRREB) avg. real estate prices against Canada's M1 & M2 money supply.
@LynAldenContact
@RaoulGMI
@JeffBooth
1/3
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@FossGregfoss
@DavidFBailey
@BitcoinMagazine
Your impact is great. Your heart is pure. Much love ❤️ 🙏
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This is completely wild ... wow! 😬
"Canada's GDP per capita has grown 4% in a decade, whereas the USA has grown 47%."
Source
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@bankofcanada
Imagine an architect always changing how long a metre is. You couldn’t build a house.
The BoC constantly changes the value of a dollar and expects to build a robust economy.
Math is important. They didn’t get the memo. We all pay the price.
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We now have
@TheRealTahinis
in Oakville!! So pumped you are here! Best part is I think I'm sure I heard
@CanadianBTCPod
playing in the background with a bit of
@FossGregfoss
on repeat saying what sounded like "it's just Grade 11 math". Congrats and the food was amazing! 🔥🚀💯
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Compound annual growth rate (CAGR) of Canada's M2 Money Supply from 2000-present is...
...drum roll please....
It's a wonderful 6.94%.
So are prices going up or is it just our dollar losing value?
And for fun...guess what the CAGR for
#Bitcoin
is over the last 4 years? /3
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Was just playing around with the Bank of Canada's "inflation calculator".
Noticed this text (circled in red) on it. LOL!!!
Why not just say "here's how much we steal from you annually and compounded but please don't notice"
Holy crap, enough.
#Bitcoin
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Check out
@JeffBooth
message here. He is all signal. Amazing stuff 🎯
Really excited to be launching with
@PrestonPysh
@LynAldenContact
,
@nico_lechuga
, and
@1andipitt
A
#Bitcoin
only ecosystem fund to support the growing ecosystem and entrepreneurs.
My reasons:
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The compound annual growth rate of
#Bitcoin
from January 2020 to January 2024 is...
...hold, hold, HODL!! It's 46%
Do with this information what you will. 😬
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Chatting with
@FossGregfoss
always gets us fired up!! 🔥 🔥 🔥 On this episode we cover a lot of the latest
#Bitcoin
FUD. You can find the paper we reference where breaks out his detailed analysis here:
Greg Foss - Evolution of Finance, Energy Trends, Bitcoin & The Fixed Income Market
Catch the new Your Life! Your Terms! episode here! 🎧🔥
#Bitcoin
#Investing
#yourlifeyourterms
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Here's the last few months.
Even with higher rates Canada is just creating lots of new dollars.
We have a structural housing problem ... however, prices of housing and rent and even groceries are largely a second order effect of a system that always needs more dollars and more…
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@Breedlove22
brings the 🔥 🔥 as usual!! He shares his thoughts on The Sovereign Individual, the future of government, the power of open systems and of course
#Bitcoin
! He forces us to think outside the box, love it.
@NickKaradza
Robert Breedlove - The Sovereign Individual, Bitcoin, Freedom Maximalist & Fiat is Falsehood
Listen to the full podcast here!🎧🎙️
Watch the episode on YouTube here!📺🔥
#Bitcoin
#investing
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Calling every single Canadian!! If you care about your financial future figure out a way to listen to
@RaoulGMI
interview
@michael_saylor
on
@RealVision
.
Truly epic conversation. 10 out of 10. Wow. Thank you
@RaoulGMI
. Fiats are melting
@FossGregfoss
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Good to see that Canada is focused on getting it's debt under control. 😎
"Deficits don't matter. Grocery prices, rents and housing costs will come down because blah blah blah blah."
#Bitcoin
cannot be debased. Too few are prepared.
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When we look back on this era, perhaps
#Bitcoin
will be humanity's inflection point.
It has the potential to rewrite and rewire everything. That's something to get excited for in 2024.
Maybe I'm in idealist, a dreamer ... fine with me.
A new measuring stick for a new world.…
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We had a chance to chat with
@SteveSaretsky
to get to know him better and get his thoughts on the latest real estate action in Canada, interest rates, the economy and the rules he lives by.
Great guy, really enjoyed this!! 🔥🔥🔥
@NickKaradza
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Canada right now:
"Inflation is not good, groceries are so expensive. OK, let's create another $20 billion out of thin air."
Canada is trying to solve 2nd order housing problems by making the base layer problem (bad money) worse.
😬
Chrystia Freeland announced Tuesday that Ottawa will raise the annual cap on the Canada Mortgage Bond program from $40 billion to $60 billion, making an additional $20 billion in financing available for developers looking to build rental units.
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@ronmortgageguy
Unfortunately entrepreneurs would not be able to build a house if you constantly changed the length of a metre.
So they cannot … and will not … when the BoC constantly changes the price of a dollar.
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Just recorded a podcast with
@daniel_foch
... this guy is the real deal when it comes to economics, real estate, trend watching.
Such a great perspective on business and and life. Excited to share it!! 🔥💯👍
@NickKaradza
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@PrestonPysh
@aisaacsmitchell
Your podcasts are always A+ Preston, but the last few in particular have been amazing, thank you for them. This one, Booth etc. I never listen to podcasts twice but had to with the Jason Lowery one, so good ... it's a mind bender, amazing.
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This conversation was amazing!! 🔥🔥🔥 Absolutely banger episode. Thx everyone for it!!! 🙏💯👊
Felt like a good time to get the band back together for another sesh.
Always fun.
@JeffBooth
@PrestonPysh
@FossGregfoss
w/
@LukeGromen
jumping in for the first time. 🙏🍻
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The “hurdle rate” of life is getting ridiculously high.
#Bitcoin
The "Hurdle Rate" To Live Life on Your Terms is Shockingly High.
Since the year 2000, the M2 Money Supply in Canada has grown at a rate of approx. 7% compounded annually.
That's insane.
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@steve_hanke
@nayibbukele
@WorldBank
Fascinating to see the establishment this worried about
#Bitcoin
already.
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Can you imagine if our government came out and said, "Wait a second, after some thought 🧠 we've realized something strange ... it's not that Canadian real estate is going up ... it's the value of our dollars 💸 that are going down!!" 🤯 It's time to separate money from state.
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Always a good time when
@FossGregfoss
shows up to record! Will be live Monday … rates, bonds, equites, Yen, Fed moves and more! I failed math in front of him on this episode!
#grade11
#math
#summerschool
@NickKaradza
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OK so
@FossGregfoss
sang on this episode, yeah that's right, he sang! As usual he brought the 🔥🔥🔥 and we are forever grateful to have crossed paths with this legend!
Bonds, equities, pensions, the Fed, Yen ... we covered it all!
#Bitcoin
@NickKaradza
sang too I think 🤣
Greg Foss was in the house and we covered a lot. With everything going on in the markets right now you definitely don't want to miss this relevant convo 🔥
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@PeterMcCormack
Also spent my own money to come from Toronto to attend the Real Bedford match.
Comments like this make me Real Bedford 4 Life. 👊🔥💯
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@RobinBrooksIIF
Someone is worried about
#Bitcoin
How such a relatively small asset has Robin this obsessed is very telling.
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Hope more young adults understand what they’re up against…quick debasement clip 👇
Why it's difficult for young Canadians to get ahead. 🇨🇦
You MUST achieve this hurdle rate to protect your purchasing power.
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@BTCsessions
Totally. And said differently,
"We prefer to steal from you a little bit at a time so that you don't really notice. When our theft gets into the 8%/year range then we find you complain so we have to slow down our outright stealing by punishing you with higher rates."
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Canada is very good at creating new dollars and debasing the purchasing power of existing ones.
The compounding of this trend is getting a tad intense...
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Here's M2 on a longer timeframe...
Tough to get lower prices of groceries, rent and real estate when the dollar is devalued like this.
If your income or net worth doesn't increase faster than that line your purchasing power falls behind.
And each decade the rate of…
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The second half of this clip is pure spitting 🔥🔥🔥 ... absolutely 🤯 stuff 👇
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@HODL15Capital
@DavidPBitcoin
Hate to see but sometimes when you need cash you sell your good (and most liquid) assets. Could be a sign of the times for some unfortunately.
#HODL
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Awesome!! Just found one of my favourite
@bpnutrition
products
@WholeFoods
in Oakville! Keep it coming Dave
@bulletproofexec
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@HydraBadger
@MolderMark
I think that's what freaked me out a little as well ... it was after listening to the WBD podcast last week with
@PrestonPysh
and
@nico_lechuga
. Somehow I had not considered the CAGR over 4 year time horizons and it somehow shifted my thinking A LOT.
And I agree with you…
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🔥🔥🔥
#Bitcoin
upgrades humanity...
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@TheRealTahinis
Congrats on everything guys. The conviction has been impressive and your growth is inspirational. Keep freaking going. 🙏💯👊🔥🚀
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@SteveSaretsky
LOL, awesome clip. Honest question ... does the federal gov't organize any type of meetings b/w themselves, the provinces and municipalities on housing when they increase immigration targets?
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This episode really brought home the point that
@JeffBooth
shares about another monetary system being built out in front of our eyes.
Amazing stuff
@PrestonPysh
and
@Jestopher_BTC
thanks so much for sharing and doing what you do.
#Bitcoin
Today,
@PrestonPysh
has a conversation w/
#Bitcoin
Lightning Network expert, Jesse Shrader
@Jestopher_BTC
. They talk about Amboss, the legacy financial system & Lightning, & more.
Watch:
Listen:
Transcript:
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