Orrin Woodward Releases The Financial Matrix Book

20 04 2015

The truth can hurt, especially when it opens your eyes to what you always thought was the truth. That’s deep! When Orrin Woodward’s book gets released next week I hope you take it upon yourself to promote it to everyone you know. The correct knowledge applied is power and I challenge leaders to take it upon themselves to provide that knowledge to the world.

Enjoy this preview of the book that will make a huge impact on all of our futures.


Fractional Reserve Banking: Power, Profits, & Pain

6a00e54eedbee1883401b7c77b0f32970b-320wiThe key to understanding the Financial Matrix is to recognize how the banking system uses the fractional reserve banking (FRB) process in partnership with the central bank to form a bank cartel insured by the national government. Without this trilateral partnership, the banking cartel, with the FRB systems inherent inconsistencies would cause the cartel to collapse under its own weight. Indeed, the whole point of my new book to be released by LIFE Leadership next week is to describe a plan out of the FRB fueled banking cartel to protect your family. Just how bad is the FRB system?

Imagine playing a game of musical chairs where the same chair is fraudulently issued to 10 different people without their knowledge. While the music is playing “boom” phase, everyone is happy and the economy appears to be growing rapidly;  however, as debt increases, so too do the prices of everything from the predictable inflation. Eventually the prices of houses, cars, and other big ticket items outrun the ability of the consumers to service the debt and the music stops abruptly. The “boom” period has now transformed into the “bust” phase as the highly unstable and inflated money supply burst because the consumers cannot afford tocontinue paying the interest and principal payments.

Not surprisingly, when the music stops, the consumers discover they do not have actual chairs (real commodity money) to sit down in. Thus, the weakest financially fall down to the ground first, but it doesn’t stop there. For the failure of the banks marginal loan qualifiers causes a cascading effect (I would say like a row of falling dominoes, but I don’t want to mix my metaphors :)) until only the most conservative financially can survive at all during the bust.

For example, remember how the failures of the riskiest mortgages brought the failures of many others who thought they had solid mortgages? The domino effects of bad bad loan failures to “good” loan failures happened when the housing prices dropped 50% or more during the “bust”. Loans, in other words, that are good when house is worth $500,000 and a person owes $400,000, are defaulted upon when house falls in price to only $250,000 and the person still owes $400,000! The person has quickly realized he is missing his chair.

Of course, the banks win during the “boom” with massive amounts of profit from interest payments and also win during the “bust” because they are insured from loss by government bailouts and the central bank money injections. The coup-de-grace is when they also foreclose on real properties for pennies on the dollar leaving the debtor bankrupted.  Absurdly, the system is set up for “heads” the bankers win and “tails” the borrowers lose. For the consumers are bankrupted by the counterfeit paper chairs and the banks are bolstered by bailouts and property surrendered by debtors as collateral. Sadly, it doesn’t even end there.  Because now the bank cartel can start the music all over again, offering incredible interest rates and no money down, to seduce new borrowers into the shearing room for the next game of musical chairs.

The more I study the money system, the more amazed I am at the gullibility of the masses and governments to support a game that leads to their own demise. It’s seems like the modern world enjoys to punish itself for Big Banker profits. In reality, the Financial Matrix relies upon the unsuspecting people’s Financial Literacy ignorance. Indeed, few understand how money is created even though it is hidden from them. Rather, most people do not like to think upon issues that threaten them and choose the ostrich approach of working 8-10 hours per day for 40 plus years wondering why it seems they have to work harder every year for less gain.

Productivity increases around the world and yet the masses get broker and no one seems to know why. Then, paradoxically, we demand our government (this is beyond a party issue as Republicans and Democrats both love borrowing easy money from bank cartel) to help us even though they are the ones supporting the cartel hurting us. This would be like demanding a bully’s right arm to defend us from the bully’s left arm currently pummeling us.

Do you really think that is going to work? To be sure, the national government will raise your taxes and launch numerous initiatives, but the money cartel isn’t afraid because no one gets elected without their approval (after all they can print money out of thin air, who is in a position to out fund them?) and financial support.Allowing bank cartel to print money out of thin air is nothing less than a total surrender of sovereignty and our nation has become a government of the banks, by the banks, and for the banks. 

There is one thing, however, that the people could do. And, if they did so, it could change everything. Not just for themselves but for our nation. Get out of DEBT and stay out of DEBT! When the masses awake and learn Financial Literacy, I can promise you the banker cartel will tremble in its fiat paper boots. For only then will the people stop enslaving themselves for things they do not truly need. And, when the people set themselves free, then we are in the moral position necessary to demand the government set itself free from the Financial Matrix also. Isn’t it hypocritical, in other words, to demand our government to be debt free when we are not debt free ourselves?

The great economist of the Austrian School, Murray Rothbard studied how the Banking Cartel creates money:

Here’s how the counterfeiting process works in today’s world. Let’s say that the Federal Reserve, as usual, decides that it wants to expand (i.e., inflate) the money supply. The Federal Reserve decides to go into the market (called the “open market”) and purchase an asset. It doesn’t really matter what asset it buys; the important point is that it writes out a check. The Fed could, if it wanted to, buy any asset it wished, including corporate stocks, buildings, or foreign currency. In practice, it almost always buys US government securities.

Let’s assume that the Fed buys $10,000,000 of US Treasury bills from some “approved” government bond dealer (a small group), say Shearson Lehman on Wall Street. The Fed writes out a check for $10,000,000, which it gives to Shearson Lehman in exchange for $10,000,000 in US securities. Where does the Fed get the $10,000,000 to pay Shearson Lehman? It creates the money out of thin air. Shearson Lehman can do only one thing with the check: deposit it in its checking account at a commercial bank, say Chase Manhattan. The “money supply” of the country has already increased by $10,000,000; no one else’s checking account has decreased at all. There has been a net increase of $10,000,000.

But this is only the beginning of the inflationary counterfeiting process. For Chase Manhattan is delighted to get a check on the Fed, and rushes down to deposit it in its own checking account at the Fed, which now increases by $10,000,000. But this checking account constitutes the “reserves” of the banks, which have now increased across the nation by $10,000,000. But this means that Chase Manhattan can create deposits based on these reserves, and that, as checks and reserves seep out to other banks (much as the Rothbard Bank deposits did), each one can add its inflationary mite, until the banking system as a whole has increased its demand deposits by $100,000,000, ten times the original purchase of assets by the Fed. The banking system is allowed to keep reserves amounting to 10 percent of its deposits, which means that the “money multiplier” — the amount of deposits the banks can expand on top of reserves — is 10. A purchase of assets of $10 million by the Fed has generated very quickly a tenfold ($100,000,000) increase in the money supply of the banking system as a whole.

Did you get that? The Federal Reserve (Central Bank) writes a check backed by no real bank assets (instead its merely a debt imposed upon American productivity without collateral)  to purchase Treasury Bills from one of the Big Banks. The Big Banks then start the music again and seduce the next round of musical chair victims (usually mortgage loans since approximately 70% of USA money supply is created from house mortgages). The banks make interest on money created out of thin air, the government funds it debts, and the consumer play another round of musical chairs as the prices of everything rise during the boom and fall during the predictable bust. The people are sheared yet again because they do not understand the Misean/Hayekian Austrian Business Cycle theory.

Jorg Guido Hulsmann

Jörg Guido Hülsmann, in his fascinating treatise, The Ethics of Money Production, described the fiat money and fractional reserve banking cartel. He explained the whole system relies on legal privileges and special deals for the few against the many. Hülsmann has nailed the reason why the Financial Matrix is thriving and why each reader ought to protect his family by eliminating ALL DEBT through applying the principles taught in our #1 bestselling product the Financial Fitness Program:

There is no tenable economic, legal, moral, or spiritual rationale that could be adduced in justification of paper money and fractional-reserve banking. The prevailing ways of money production, relying as they do on a panoply of legal privileges, are alien elements in the capitalist [i.e., true free market] economy. They provide illicit incomes, encourage irresponsibility and dependence, stimulate the artificial centralization of political and economic decision-making, and constantly create fundamental disequilibria that threaten the life and welfare of millions of people. In short, paper money and fractional-reserve banking go a long way toward accounting for the excesses for which the capitalist economy is widely chided.

We have argued that these monetary institutions have not come into existence out of any economic necessity. They have been created because they allow an alliance of politicians and bankers to enrich themselves at the expense of all other strata of society. This alliance emerged rather spontaneously in the seventeenth century; it developed in multifarious ways up to the present day, and in the course of its development it created the current monetary institutions.

…The driving force that propelled the development of central banks and paper money was the reckless determination of governments, both aristocratic and democratic, to increase their revenue, if necessary in violation of good faith and of all established rules of commerce.

In sum, government power, banker profits and the people’s pain all increase while the people freedoms and pocketbook decrease. This is the “joy” of living in the Financial Matrix.


Orrin Woodward

Life Making An Impact In School

15 04 2015

As I am about to post a blog for my readers on a book I just completed, I came across yet another eye opening post by Life Founder Orrin Woodward! I am going to repost it here for you to see what an Impact Life is making to the world. In a few days I will post my original work but in the meantime, enjoy another great story about the impact Life Leadership is making!

Steve Leurquin

RESOLVED to become a School Curriculum

ResolvedI am excited to announce that the 13 resolutions from my book RESOLVED: 13 Resolutions for LIFE is being developed into teaching curriculums for the different age K-12. Director and Principal of the American Leadership Academy, Rob Brown, proposed a partnership between LIFE Leadership and himself to develop the curriculums for both charter-schools and the home-schooling markets.

After studying through the proposal LIFE Leadership agreed to support the project and help make the dream of reaching the next generation a reality. The results of this partnership promise to make a huge impact in the educational community. Here is a portion of the letter I received from Principal Rob Brown:

 I read Resolved  over Christmas holiday and the vision began to form in my mind of a rich leadership program unlike anything offered in an elementary or secondary educational format (homeschool included). We could adapt all the curriculum we already have and apply the Mental Fitness Challenges to our high school aged students. We could build daily leadership lessons based on the 13 Resolutions and teach them to students from kindergarten through twelfth grade!

I asked myself some questions: Why don’t we teach this? What might happen if we did? What if I had learned these principles as a kid? What difference would it make if tens of thousands of K-12 students were taught about their Purpose, Character, Friendship, Finances, and Leadership on a daily basis for their entire growing-up years?

Our Nation is in crisis, and it is our responsibility to fundamentally re-establish America’s greatness. The most effective way for us to achieve greatness is through living these principles with fidelity and teaching them to the rising generation. As we teach these principles to our children they will grow up living these truths, and our homes, churches, businesses, and legislatures will be filled with those that have the right tools and the courage to do the right things in order to preserve freedom for us, our families, and our friends.

Education is like weddings and funerals. Everyone does it and the market is wide open. Covey has over two thousand Leader in Me  schools and little home school reach. Resolved  has provided a superior vehicle. I have a framework for a step by step guide to make ResolvedSchools  a reality and teach leadership to achieve greatness in our homes and country. I will be creating this for my schools regardless, however, I know that by partnering together we can create a real Win-Win that could affect countless lives.


Rob Brown

Director- American Leadership Academy Gilbert Campus

It has been a joy to work with Principal Brown. He lives the resolutions on a daily basis and with his help, he took the principles of RESOLVED and explained them in way that resonates with students. If you have children (or know someone with children) in charter schools or home-schooling, then this book is the first part of a full curriculum to follow. The goal is to inspire the children to become resolution-centered leaders that make an impact in the world. Here is the introduction I wrote for the RESOLVED: Student Edition to be released later this year:


In 2011, when I wrote RESOLVED: 13 Resolutions for LIFE, I did so to share the resolutions that had so radically changed my own life. The results of this labor of love have been nothing short of mind blowing. For within the first year, the book made the Top 100 All-Time Leadership book list and became the framework for the bestselling Mental Fitness Challenge Program.

Still, when Principal Rob Brown, of American Leadership Academy in Gilbert, Arizona, contacted me to discuss using the resolutions in RESOLVED to create an entire K-12 school curriculum, I was a little taken aback. Principal Brown had written to me:

I am the principal at American Leadership Academy in Gilbert, Arizona, a K-6 elementary charter school. As the name implies we are patriotic, leadership driven, and focused on academics. It’s the leadership part that drew me to this school. I love that we teach children the principles of leadership. When I was introduced to Resolved I was amazed at how simple and powerful each chapter was. I said, “What would happen if we taught this to kids!?!”

What would happen, in our opinion, is the students would accomplish private victories which would lead to public victories and then onward to leadership victories which, finally results in a legacy to pass on to the world. After Principal Brown, Chris Brady – CEO of LIFE Leadership, and I discussed the idea further, we realized that beyond just a school curriculum, RESOLVED – Student Edition is just the first, of many, books in a series that will eventually become The Children’s Leadership Library.

Rob Brown is not your average principal. The hunger to learn and the passion to teach is evident in everything he does. Indeed, the book you hold in your hands would not have been completed were it not for his drive to finish what he starts. Furthermore, I cannot think of a better person to partner with in spreading the power of resolutions to transform lives than a principal on the educational front lines. It has been a pleasure working with Principal Brown.

Finally, the principles taught in RESOLVED: Student’s Edition can help anyone at any age. Each section concludes with a workshop. That’s where the real power lies. Complete each workshop as you read. As you apply these principles you will gain confidence in making choices. You will really begin to understand the importance of the choices you make and how they will influence your life. I have taught for years that vision is tomorrow’s reality expressed as an idea today. It’s time to stop talking about education transformation and it’s time to start living it. This book has turned the dream into reality.


Orrin Woodward

Who Is Leading This Thing

14 08 2014

I recently read a blog post (with accompanied video) by Tim Marks with jaw dropping amazement and anger as to how much I am not Voyage of a Vikingaware of. I have watched this video 4 times now. I am reposting this blog for a simple reason, I hope it has the same affect on you! I hope you watch it, show someone else, and then show someone else.

Enjoy, Steve Leurquin



Over years of a self-directed education, having read many books on a variety of topics including history and politics, I always try to step back and look at the facts as they are and not as I want them to be.   With that in mind, I’d like to share a video from Edward Griffin, an excellent researcher and historian.  I don’t agree with him on everything, but he offers some thought-provoking insights on our political parties.
In this clip, Griffin shares a bone-chilling question that was asked by a university history professor who actually mentored William Clinton while he was a student (a question that is the opposite of what I personally stand for.)  The question asked was:
“How do you let people think they are directing their own political destiny, while at the same time we, the elite, are [actually] the ones  directing their political destiny, without them [the people] knowing it?”
The answer, once you hear it, will cast a light on the political charade we see in our government today.  Remember: we can’t make our world better until we understand it.
The video below casts light on things many of us have wondered or felt from time to time, and answers some questions about why we are stuck as a country and not following any one party’s “agenda” but really following an agenda we are not even aware of.  Thankfully, through LIFE Leadership, we have excellent books like Orrin Woodward’s And Justice For All that help us all continue a self-directed political education.  Enjoy the video!
God bless,

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Make Yourself Unforgettable

1 07 2014

In living out my purpose in life helping others, I meet hundreds if not thousands of people for the first time every month.  When I first Make yourself unforgettablebegan this journey I was so self conscious that I would try to impress them as fast as possible with the words that came out of my mouth. After reading many books and many hours of experience, without a doubt I know the best way to be unforgettable to someone is to become a great listener.

The Dale Carnegie Training book: Make Yourself Unforgettable, teaches how to make a lasting impression through class. In a world where everyone is talking but nobody is being heard, becoming unforgettable is as simple as becoming a good listener.

Some common mistakes when listening to others:

*Rehearsing – Thinking of what you will say and not hearing what they are saying.

*Evaluating or Prejudging.

*Story Topping.

*Truth Telling – You are fixer so you “tell them how it is” as they are telling you a stressor in their life.

*Fault Finding – Disagreeing with them for the fun of it.

*Placating – Not listing but saying things like “Really” to appear that you are listening.

*Derailing – Taking over the conversation.

Now, we are all guilty of doing each of these mistakes at some point in our lives. The idea is to not beat yourself up about it rather know what they are so we can identify them in the future. This would be the defense of good listening. The offense of good listening is taking a proactive approach and not focus just on what bad listening is, but also focus on what good listeners do.

What good listening is:

*Make listening a conscious choice – make a decision to become a good listener.

*Put your expectations aside – Hear what they are saying and not what you think they are saying through your filter.

*Ask Questions

*Maintain eye contact

*Pay attention – focus Danielson! Don’t check out!

It is funny that when my influence was smaller, I did most of the talking. Now I found that most places I go, I do most of the listening and yet now I lead much larger groups of people. I find that people are so hungry to be heard in a world that does not listen, you become a person of class when you will truly listen to them to inspire them to reach the the life they have always wanted to live.

Hope this helps! It has helped me immensely!

Steve Leurquin

Monumental 2014!

1 01 2014

Happy New Year Everyone! My family and I are excited for what we know is going to be a great year for so many people who believe in Freedom! A friend of mine recently gave me a documentary by Kirk Cameron titled Monumental. It was a powerful must see for every family to say the least! Jamie and I along with our three kids nestled down with some snacks as we watched in shock what we are not being taught regarding the truth of our country’s founding.

After the movie we all shared what we got most from it and I want to tell you, our kids (your kids too) get it! My wife and I have chose early on to educate our children because as you will see, that was the way it was meant to be and the people who we have given the power to do it are doing a terrible job (and I’m not blaming the teachers. As a teacher I was blinded too)!

I left the trailer for you to watch in hopes that you bring in this new year by watching eye opener with your family. Happy Freedom! Enjoy, Steve Leurquin

The Power of Media

25 11 2013

Founder of Life Orrin Woodward recently put out a leadership post on the power of media and how it influences our world. It was such a great read I reposted it for you to read and think on it for yourself. Very interesting and thought provoking! Enjoy, Steve Leurquin.


Media Monopoly and the Five Laws of Decline

Posted by Orrin Woodward on November 24, 2013

Happy Sunday to everyone! I woke up early and continued work on my new book project. Amazingly, the research and subsequent analysis of my finding is shocking even me! I have committed to follow truth wherever it leads me in life and I have researched the below topic extensively. Never underestimate man’s fallen nature and thus the avenues people will seek to exploit others. The Bible states, “Be harmless as doves and wise as serpents.” This means to me – do not practice exploitation, but be wise enough to discover it and stop it. This is what I intend to do with the help of other people who are harmless as doves, but wise as serpents.LIFE Leadership is on the move!


Orrin Woodward

In consequence, in any society where the FLD is progressing, one also discovers increasing control of the media by the exploiters. In essence, the media’s role is to deflect people’s attentions from the exploitations they are suffering and instead focus them on sports & entertainment, the stock market, and various political disputes that do not address the real injustices. In effect the people are lulled to sleep by the media who are funded by the FLD exploiters. For instance, Aberto Fujimori, the democratically elected leader of Peru, led a coup that  transformed the democracy into a dictatorship in 1992. He relied heavily on the support of his right-hand man Valdimiro Montesinos, who organized a mass system of bribery, payoffs, and hush money to ensure the support of influential members of Peruvian society for his dictatorship. Interestingly, however, after the fall of Fujimori’s government, the meticulously documented records of Montesinos misdeeds fell into the public’s hands. Acemoglu and Robinson wrote:

The amounts are revealing about the value of the media to a dictatorship. A Supreme Court judge was worth between $5,000 and $10,000 a month, and politicians in the same or different parties were paid similar amounts. But when it came to newspapers and TV stations, the sums were in the millions. They paid more than $1 million to a mainstream newspaper, and to other newspapers they paid any amount between $3,000 and $8,000 per headline. Fujimori and Montesinos thought that controlling the media was much more important than controlling politicians and judges. One of Montesinos’s henchmen, General Bello summed this up in one of the videos by stating, “If we do not control the television we do not do anything.”

Does anyone seriously doubt, considering human nature is common to us all, that similar activities do not occur in the Western World? True, the influence may be less direct and the bribes rationalized as perks of the job, but the result is the same. Needless to say, the exploiters use the media to redirect, entertain, and rationalize  the people into passivity. Interestingly, since all governments exist through the “consent of the governed”, the press, in a democracy, is responsible for the “manufacturing of consent” as Walter Lippmann stated nearly a century ago.

Noam Chomsky

Noam Chomsky

In any event, propaganda blossomed as a tool of social control during WWI when the British, realizing they were losing the “War to End All Wars” to the Germans. In consequence, they poured funds into their propaganda machine, called the Ministry of Information, to convince America to help defeat the barbaric “Huns”.  Noam Chomsky explained:

The British Ministry documents (a lot have been released) show their goal was, as they put it, to control the thought of the entire world . . . but mainly the US. . . In the US there was a counterpart. Woodrow Wilson was elected in 1916 on an anti-war platform. . . But he decided to go to war. So the question was how do you get a pacifist population to become raving anti-German lunatics so they want to go kill all the Germans? That requires propaganda. So they set up the first and really only major state propaganda agency in US history (Committee of Public Information or more commonly called the “Creel Commission” in honor of its founder George Creel). . . The task of this commission was to propagandize the population into jingoist hysteria. It worked incredibly well. Within a few months the US was able to go to war. . . the American business community was also very impressed with the propaganda effort. . . the huge public relations industry, which is a US invention and a monstrous industry came out of the first World War. . . Edward Bernays, comes right out of the Creel Commission. He has a book that came out a few years afterward called Propaganda . . . The propaganda system of the first World War and this commission that he was part of showed, he says, that it is possible to “regiment the public mind every bit as much as an army regiments their bodies.” These new techniques of regimentation of minds, he said, had to be used by “intelligent minorities” in order to make sure that the slobs stay the right course. We can do it now because we have these new techniques.

Presumably, if the few were benefitting from unjust FLD plunder over the many and knew the importance of the “consent of the governed” in a democratic republic, it would logically follow that they would seek “manufactured consent” to maintain societal  peace while they enjoyed the plunder. In fact, the big corporations (Big Banks/Big Business/Big Government), hired the members of the “Creel Commission” propaganda ministry to improve the messaging of their companies. Naturally, when the companies realized great success from these techniques, they sought to own the media outright to manage the message to the masses daily. Not coincidentally, this is exactly what they did. For instance, when the book The Media Monopoly first hit US shelves in 1983, author Ben Bagdikian stated that, “Fifty corporations dominated almost every mass medium.” Significantly, with every new release of the book, the number of corporations controlling the media dropped. From 29 firms in 1987, 23 in 1990, 14 in 1992, ten in 1997 and only six today! Six corporations, in other words, create, print, and deliver the news that the US public consumes. This consolidation of media ownership ought to be concerning to anyone who understand the FLD and the role of propaganda within society. For the “Freedom of the press,” as noted journalist A.J. Liebling once remarked, “is guaranteed to those who own one.” In reality, the six remaining media conglomerates are not truly independent since they are closely connected through their interlocking corporate boards. Media critic Mark Crispin Miller emphasized, “The implications of these mergers for journalism and the arts are enormous. It seems to me that this is, by definition, an undemocratic development. The media system in a democracy should not be inordinately dominated by a few very powerful interests” On the other hand, however, if the goal of the rulers was the “manufacturing of consent” to support its agenda over the many, then a media monopoly is exactly the intended result.

Walk A Mile In Someone Else’s Shoes

27 05 2013

One phase that I have tried to eliminate from my vocabulary is, “I know exactly how you feel.” We may have gone through simliar experiences but as we are all created uniquely thus, we all deal with lives events in our own way.

A quality of leadership is understanding people. One of the best ways I have discovered to understanding people is to be on a continuous course of self-improvement. We will never know exactly how how people feel, but striving to always better ourselves, especially in the area of relationships, we can understand with more empathy, the people in our lives.

For the past several years I have been on a self-directed leadership education with LIFE. The information has helped me be a better teacher, coach, and now a business owner. People can say what they want about leadership development but they can not argue with the results it has for people who have worked to implement the principles into their lives.

I always try to walk a mile in other people’s shoes before I make a judgement on anything. This help me understand before making any kind of decision in the several areas of leadership I am in. Well…..I always felt I wanted to know how my wife felt bringing our three great children into this world. After watching this video, I’m pretty sure I never want to find out.

Enjoy, Steve Leurquin


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