The End of Cheap Money – 5 Rules To Thrive In The Next Decade – David’s Monopodcast: Ep #560

The era of cheap money is over. For more than 40 years, artificially low interest rates and easy credit fueled asset bubbles and investor complacency. Now, as inflation persists and markets destabilize, the old “buy and hold” mindset is crumbling. In this special solo episode, Dr. David Phelps outlines five non-negotiable rules for thriving in the next decade—principles rooted in cashflow, collateral, liquidity, diversification, and hard-asset ownership.

David warns that the next generation of wealth builders can’t rely on speculation, paper appreciation, or passive abdication to Wall Street. Whether you’re mid-career or nearing transition, this episode will help you reframe how you invest, protect your capital, and build durable freedom in an age of volatility.

Minute Markers:

00:00 – Intro
01:27 – The end of the cheap money era
03:08 – The illusion of “normal” markets and asset bubbles
05:36 – When inflation breaks retirement math
06:25 – Lessons from 2000, 2008, and today’s fragile economy
07:09 – Rule 1: Invest first in yourself and your skillsets
07:46 – Rule 2: Invest in your business before everything else
08:20 – Rule 3: Prioritize cashflow over appreciation
09:00 – Rule 4: Build collateral and hedge with tangible assets
09:35 – Rule 5: Diversify by risk, not by label
10:16 – Liquidity by design—preserving flexibility in uncertain times
10:59 – Own what the Fed can’t print: real assets and relationships
11:52 – Final takeaway: Be your own financial advocate

If you like this episode, here are more episodes we think you’ll enjoy:

Ep #559 – The True Endgame: Legacy, Leadership & Freedom – Bruce Baird
Ep #533 – What They’re Not Telling You About the Economy: The K Shaped Collapse – Dr. David Phelps, Jeremy Knauff

Links Featured on the Show:

#davidphelps #cashflowinvesting #financialfreedom #hardassets #economicshift

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