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Would your savings survive a weaker dollar? Six questions.
Nobody buys an umbrella because they are certain it will rain, and nobody buys insurance because they expect a fire. They do it because the cost of being wrong is asymmetric. These are the six questions we ask on a first call — answer them honestly and you will see your own gaps before you speak to anyone.
This is not a quiz about how clever you are. It is a coverage review. An insurance broker does not ask whether you expect to crash your car; they ask what happens if you do. The same discipline applied to savings produces uncomfortable answers for most households — not because a collapse is coming, but because almost everything most people own is exposed to the same single risk at the same time.
Question 1 of 6
If the dollar bought noticeably less in five years, what in your savings would be unaffected by that?
This is the insurance question, asked plainly. Not what you own — what is not exposed to the same single risk.
Question 2 of 6
How much of your retirement money sits in one market, in one account, chosen by someone else's default menu?
Most employer plans offer a fixed fund menu. People often describe themselves as diversified when they hold ten funds that fall together.
Question 3 of 6
Is any single bank holding more of your cash than the insured limit?
FACT: standard FDIC deposit insurance is $250,000 per depositor, per insured bank, per ownership category. Above that, a depositor is an unsecured creditor.
Question 4 of 6
Could you explain, to your own children, what makes a dollar worth something?
Not a trick question. It is the one most people find they cannot answer, and everything else follows from it.
Question 5 of 6
If you already own gold or silver — do you know your form, purity, custody and what you paid over spot?
Most people who have bought were sold something. Whether it fits the purpose is a separate question from whether it was a fair purchase.
Question 6 of 6
If you died this year, could the person who inherits find and claim everything without you?
Stewardship is not only accumulation. A well-built estate that nobody can locate is a loss that was entirely avoidable.
Answer all 6 questions and your reading appears here. You have answered 0. Nothing is stored and nothing is sent unless you ask us to call.
The questions people actually ask at eleven at night
Each answer below is labelled. FACT means it is a matter of public record you can open yourself. INFERENCE means it is our reading. UNKNOWN means nobody knows and we will not pretend otherwise — including about prices, crashes and dates.
Has any fiat currency ever lasted forever?
FACTno currency in recorded history has kept its purchasing power indefinitely, and the historical record contains many currencies that lost most or all of theirs — the Roman denarius by debasement, the French assignat, the Weimar mark, the Zimbabwe dollar.
INFERENCEthat history is a reason to hold something outside a single unit of account. It is not evidence that the dollar is about to fail, and anyone who tells you the timing is guessing.
UNKNOWNwhen, how fast, or whether the dollar's decline is gradual and boring rather than sudden. Nobody knows this. Plan for a range, not a date.
See the dated record, document by documentWhy is Warren Buffett sitting on so much cash?
FACTBerkshire Hathaway's own quarterly filings show cash and short-term Treasury bills at the highest levels in the company's history, alongside net selling of equities.
INFERENCEthe most defensible reading is valuation discipline — he has said for decades that he buys when price is well below value and waits when it is not. Read as 'he is prepared', not 'he knows the date'.
UNKNOWNhis reasoning beyond what he has written. Anyone claiming he is positioned for a specific event is inventing it.
Our claims register: what is true, contested, or simply falseDo foreign governments own most of America's debt?
FACTno. Treasury's own Major Foreign Holders data puts foreign holdings at roughly a quarter of the total federal debt. Japan is the largest foreign holder; China is among the largest but has trended down for years.
FACTtotal federal debt is above $40 trillion, and interest cost is now one of the largest single lines in the federal budget.
INFERENCEthe real pressure is the interest bill and the volume of new issuance, not foreign ownership. We correct the 70% version of this claim wherever we see it, because arguments built on a wrong number collapse when someone checks.
The debt, the yields and what they actually doWhat is the 2030 agenda, and should I be worried about it?
FACTAgenda 2030 is a non-binding UN General Assembly resolution of 17 sustainable-development goals. It is not a treaty, it creates no domestic law, and it is a separate document from the World Economic Forum's 'Great Reset'.
FACTbinding change comes through specific instruments — national legislation, central-bank payment systems, tax and reporting rules — and those are worth reading individually.
INFERENCEthe honest concern is not a secret plan but ordinary policy drift: more reporting, more intermediation, less privacy in payments. Preparedness for that looks the same as preparedness for anything else — own something outside the system you are worried about, and know where it is.
What the documents say, line by lineEveryone says the market is going to crash. Are they right?
UNKNOWNnobody can tell you whether, when, or how far. Anybody who states it as certainty is selling something — including anyone selling metal.
FACTvaluation measures are historically high and concentration in a handful of large companies is at record levels, which is a matter of index data rather than opinion.
INFERENCEhigh valuation plus high concentration means a fall would be less cushioned than in a broader market. The response to that is coverage sized in advance, not a prediction.
Five real situations, worked through with the numbersTalk your answers through
Leave a name and a number and a licensed specialist will call during business hours to go through what you answered. No pricing pressure, no obligation, and we will tell you when the honest answer is that you already have what you need. Or call (800) 200-9553 now.
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Leave your name and number. A Capstone specialist will answer your questions during business hours.
Most gold and silver firms can only talk to you about gold and silver. We have licensed advisors on staff, so the same conversation can cover your retirement accounts, your market holdings, insurance and estate structure alongside a completely private metals purchase — one fiduciary review of everything you own, not a sales call about one product.
Read further, at your own pace
- Dollar devaluation, debt and interest costs
What $40 trillion in federal debt and higher long-term yields actually do.
- BRICS vs G7: the economic data
Nominal GDP, PPP, trade, energy and gold — measured, not asserted.
- Agenda 2030, read line by line
What the resolution says, what is binding, and what is invented.
- Capstone Academy — 100 free lessons
How money works, from the beginning, with the documents attached.
- Five worked scenarios
A 401(k) rollover, $400,000 in one bank, an inherited coin box.
- Claims register
Eight repeated claims, checked one by one. Two are false.
Educational content only. Capstone Metals does not provide tax or legal advice, and no asset — gold, silver, stocks or cash — is guaranteed to rise or to hold its value. Figures cited are from Treasury, FDIC, IRS and Federal Reserve publications as of the date shown on the linked page.
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A specialist will go through your answers with you and say plainly where the gap is — including when the answer is that you do not need us. Monday – Friday, 7am – 4pm Pacific.