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1. Why did you write this book?


In late 2004, I came across a new book written by William Bonner and Addison Wiggin entitled Financial Reckoning Day. Described as a book on “literary economics,” the authors make a general comparison to Japan’s deflationary cycle from 1990 to 2004 and predict a similar contraction in the US In a later chapter, the authors conclude that the demographics and unfunded liabilities of the baby-boom generation will have a devastating effect on America’s economy. At this same time, I also read The Coming Generational Storm by economist Laurence J. Kotlikoff, which outlines our coming fiscal bankruptcy in chilling detail.


These books, in addition to several others with a similar theme, were enough to convince me that I needed to warn friends, family, and my fellow Americans to prepare for the worst. More importantly, our financial problems must be understood in light of the origin of coin and currency and the role of central banking in America. Equally important, the destiny of America also needs to be understood from a Biblical perspective, which I have indicated in my book Introduction. The sheer frustration of trying to communicate these complex monetary issues, historical facts, and prophetic themes finally compelled me to launch my second book project.  I have felt very much like the Prophet Jeremiah who said that his message was like “a burning fire” shut up in his bones and that he could not “endure” to hold it in any longer (Jer. 20:9).


In 2005, I started my research, book orders, and general outline of the book, which I determined had to be written from a Judeo-Christian worldview in order to provide an eternal perspective and hope for readers. As important as books written by economist, financial analysts, and monetary authorities are, they simply don’t go far enough to understand the critical times in which we are living.  I am not aware of a single book in the CBA market that uniquely presents the material in my book, which is a combination of monetary and moral issues that are threatening our very existence as a nation. The theme of my book could be summed up best by the Apostle Paul, “The love of money is the root of all sorts of evil” (1 Tim. 6:10). Additionally, I have entitled my book America’s Financial Reckoning Day since I wanted to deal specifically with our own nation’s background, domestic issues and our future role among the nations.  My book has minor revisions and we are still on the unsustainable path of fiscal and moral bankruptcy as a nation and this warning is more urgent than ever.


2. How do you organize and write your books?


I can imagine that anyone who witnesses the way I organize, research, and write would be slightly overwhelmed with my method. Unlike a novelist or a person writing their biography at their keyboard, I like to support all of my writings with extensive research, footnotes and facts. I first start out with a complete book outline on several sheets. As I do general research from various sources, I make tiny references in my outline. When I have completed this task (usually six months or more), I am ready for the hard part. From my well-worn outline, I drag over my references for each chapter to another sheet. From this sheet I further organize my references into a general outline. From this sheet I make yet a third sheet with a specific outline and then proceed to write. My best time for concentration and writing is usually from 6PM to 3AM. Needless to say, I have had many late nights with this ambitious project!


3. What is your favorite and worst part about writing?


An old preacher once said that sermons were like having babies – easy to conceive, but hard to deliver. It is the same way with writing a book. My favorite part about writing is dreaming up the project and then seeing the final result. And like any creative exercise, there are plenty of twists and unexpected turns along the way. For example, my original outline consisted of almost twelve chapters, but they had to be consolidated into eight after I had finished Chapter One. This is why my first chapter is only seventeen pages long. The worst part about writing? It is undoubtedly suffering from “writer’s block,” which professional writers' coach Jerry Mundis describes as inability to focus, paralysis, and avoidance behavior (www.unblock.org). This can lead to even later nights and plenty of frustration! Some time ago, William Buckley was (foolishly) asked which he liked better – reading or writing. Without hesitation he said that reading is far easier than writing. Writing is hard work and requires self-discipline.


4. Who have been your favorite authors and influences?


I suppose I would have to refer to the following two categories. In the economic and political sphere I have been influenced by Adam Smith, Frederic Bastiat, Milton Freidman, Ludwig von Mises, F. A. Hayek, Murray N. Rothbard, Hans Sennholz, Henry Hazlitt, Leonard E. Read, Llewellyn H. Rockwell, Jr., Thomas Sowell, Walter Williams, James Puplava, Clarence B. Carson, Ron Paul, Dinesh D’Souza, Anthony Sutton, Gary Allen, John F. McManus, Robert Welch, G. Edward Griffin, Cleon Skousen, Don McAlvany, Lloyd Billingsly, Harold Lindsell, Patrick J. Buchanan, David Horowitz, Alan Keyes, Arnaud de Borchgrave, Steven Yates, Bill Gertz, Geoff Metcalf, David Stockman, James Rickards, F. William Engdahl, Devvy Kidd, Paul Craig Roberts and a host of others.


In the CBA/Christian market my favorite authors are Dr. John F. MacArthur, Dr. Francis A. Schaeffer, Dr. Henry C. Thiessen, Dr. Charles C. Ryrie, Dr. John F. Walvoord, Dr. J. Dwight Pentecost, Dr. Charles Lee Feinberg, Dr. Norm Geisler, Dr. John Warwick Montgomery, Dr. John Ankerberg, Dr. Henry Morris, Dr. Erwin W. Lutzer, Dr. D. James Kennedy, Dr. David Jeremiah, Dr. David Hocking, Dr. R. C. Sproul, Dr. Ed Young, Dr. Randall Price, Dr. David Noebel, Dr. Thomas S. McCall, Dr. Tim LaHaye, Hal Lindsey, Zola Levitt, Thomas Ice, H. Wayne House, Dave Hunt, Josh McDowell, Chuck Colson, Cal Thomas, Howard Hendricks, Ken Ham, Ravi Zacharias, Chuck Missler, Tal Brooke, Richard J. Neuhaus, J. I. Packer, A. W. Tozer, C. S. Lewis, J. R. R. Tolkien, Clarence Larkin, John Calvin and Charles Haddon Spurgeon.


5. How is your book similar to the popular Left Behind series by Dr. Tim LaHaye and Jerry Jenkins?


As Dr. LaHaye and Jerry Jenkins have done in their successful series, I have written my book from a distinctly dispensational point of view which carefully distinguishes the difference between the Church and the nation of Israel (www.pre-trib.org ). In other words, prior to the final years of tribulation on earth, all born-again Christians are taken up, and millions will be “left behind” to face God’s judgment upon the earth as events unfold in the Middle East (www.timlahaye.com). It is generally understood among prophecy experts that America is not featured as a world power in the last days, and I develop this prophetic and controversial scenario in Chapter Six of my book for consideration.


6. In your book you suggest a global realignment of world power. What is your biggest concern for the future of the United States?


Since the Bretton Woods Agreement in 1944, the US dollar has been established as the world’s reserve (settlement) currency.  This was further enhanced in 1974 when all crude oil contracts were priced in dollars, thus creating a petrodollar that could be recycled into our bond market to support massive debts and deficit spending.  The French called this an “exorbitant privilege” and we have abused this favored status for too long and now the world is moving away from the dollar and facing a monetary reset.  China and Russia are creating trade alliances to diminish the role of the dollar, and this is particularly true with crude oil as other nations are trading outside the dollar.  These trends will challenge US dollar imperialism, and I also see the ascendancy of Europe as the Eurozone creates a new fiscal union and manages their internal affairs better than the US.  When the US debt pyramid implodes, and the bond market goes no bid, we will see America reduced to Third World status with an impoverished citizenry.


In this scenario our biggest concern should be the degradation of our civil liberties and the rule of law as the Deep Surveillance State is empowered and a new form of fascism emerges in our nation.  Who can doubt this trajectory as we witness the militarization of law enforcement and police thuggery?  I cover this theme in my book, and this should be a deep concern for all of us as we drift towards a financial reckoning day.  Dr. Ron Paul has warned about this repeatedly throughout his political career, and it was Ronald Reagan who warned as government increases, liberty decreases.  We are heading down a bad road.


7. How can we best survive America’s monetary and political decline in the 21st Century?


In my final chapters, I offer the reader some personal and financial considerations.  Financially, I recommend a core position in precious metals, and my firm can assist people with diversification in physical metals, depository accounts and Precious Metals IRA accounts.  I also discuss cash and savings strategies, and to better assist clients with growth and income we have a strategic alliance with a private investment firm to manage portfolios for capital preservation and hedging risk. Spiritually, the best advice I can give people is to place their faith and trust in the Lord. Jesus said, “For God so loved the world, that He gave His only begotten Son, that whoever believes in Him should not perish, but have eternal life. For God did not send the Son into the world to judge the world, but that the world should be saved through Him” (Jn. 3:16-17). In the Old Testament we read, “God is our refuge and strength, a very present help in trouble. Therefore, we will not fear, though the earth change, and though the mountains slip into the heart of the sea” (Ps. 46:1-2). We can be assured that “in the last days difficult times will come” (2 Tim. 3:1), but the Lord is our refuge, strength, and salvation.


8. How did you become a Christian?


I was raised in a liberal Presbyterian denomination as a youth and never attended church as an adult. In the summer of 1979, I encountered some rather persistent Christians who challenged my secular humanist-evolutionary worldview. Within a period of six weeks I agreed to read Hal Lindsey’s best-selling book The Late Great Planet Earth along with other books including Mere Christianity by C S Lewis. Unable to deny the simplicity of the gospel, I recognized that I was a sinner and I needed a Savior. Simple as that. On August 1, 1979, I called upon the Lord and was born-again by His Spirit just like it says in the Bible. “For whoever will call upon the name of the Lord will be saved” (Rom. 10:13).


Since that time I have sat under the ministry of Dr. John F. MacArthur and later attended Bible College in Phoenix, Arizona. For almost forty years I have had a great burden to share Christ with others. “But as for me, the nearness of God is my good; I have made the Lord God my refuge, that I may tell of all Thy works” (Ps. 73:28). I have dedicated this latest book to the Lord God and pray that He will use it to reach the lost in addition to my family and loved ones. If anyone is not sure that they are saved, or think that they have to be “good enough” to go to heaven, I strongly recommend that they check out THIS LINK for some good news and how they can also know that they have eternal life.


9. Apart from radio interviews do you conduct public seminars and lectures?


Yes, but I do these very infrequently and only by invitation by conservative groups, churches and trade organizations.  I would say only one or two per year and these include a one-hour PowerPoint presentation with a general Question & Answer session for attendees.  If you, or someone you know, would like to discuss booking me as a guest speaker please go to my Media Kit Page on this website and we will get back with you promptly.


10. Finally, do you have any plans to write another book?


Probably not anytime soon.  Research and writing takes a lot of effort and the times are urgent. I don’t think that there is a lot of time left for ambitious writing projects (as indicated in our national debt clock to the left).  Rather it is time to be getting prepared for a worst case scenario.  It seems that I am always researching and writing and I intend to use my time writing my free monthly newsletter for my growing mailing list, researching my weekly podcast and doing radio interviews.  This book project is my last and final effort to communicate some very serious issues with anyone who will take the time to read my book.  To be ignorant on these issues is to be in peril, and I trust that readers will want to share this with their friends and loved ones.  My very best to all.

Interview with Author



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