There is a world of difference between the “fractional reserve system” (FRS) and the “central banking system” (CBS). FRS merely spreads out the money deposits in the form of loans, and the total sum of deposits plus debt never changes.
I just released my latest wealth creation information product. It is called (drum roll, please): “How to Pyramid Your Equity to Create Wealth and Financial Freedom” It’s a thick, jam-packed (over 100 pages) special report PDF with forms and spreadsheets. It
I just posted an article “Decreasing Spending versus Increasing Income“, which talks about why increasing your passive income is better than decreasing your spending. Many so-called “personal finance experts” are too focused on decreasing expenses. In general, decreasing “bad spending”