The Education Conspiracy
By Brian Clark
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The Education Conspiracy
“ It is not money that is evil, it is the lack of education about money that is evil ” -Brian Clark
Table Of Contents: Chapter 1: Introduction Chapter 2: Elementary School Chapter 3: Junior High School Chapter 4: High School Chapter 5: College Chapter 6: The Answer Is Financial Education Chapter 7: Conclusion
Chapter 1: Introduction
It is my growing concern that we are entering a time of great uncertainty and upheaval. At the time of writing this, there are uprisings happening in Egypt. The United States national debt stands at over 15 trillion dollars and growing. And a small package of peanut brittle at my local store is over $6.00! The purpose of this book is to reveal the conspiracy behind our education system, system, and show how it influences our youth's education, and how to beat the system. I'm a big advocate for financial education because it can change the world. To me, it is just as important in life as math, science, reading, writing, and history. history. I grew up in a city filled with all types of opportunities as well as influences. Some influences are negative and some or positive. I never had the opportunity to know someone who understands how the system works, how to avoid bad debt and come out on top of a system that keeps the general population in bad debt. You are told at a young age to get a job and work hard to make money, but you are not taught how to make money work for you or how to manage money. You are taught to save money in a bank, when your money is now a currency that has lost 95% of it's purchasing power since the 1970's. To put this in perspective, in 1935 A Silver peace dollar was worth wort h 1 U.S dollar, now it is worth $35 or more. You are taught to work hard and get a “good job” when companies are moving jobs overseas and unemployment is skyrocketing. The following is my story living through the education system, and what opportunities exist for those who know how to beat the system at it's own game. Over the pass 2 and half years I have studied the education conspiracy and if you take the information I share and take action you can get the advantage of the conspiracy. Let's begin!
Chapter 2: Elementary School Elementary school brought different different challenges as well as fun times. I remember walking to school some mornings and my mother dropping me off at school some mornings. The most vivid memories I have of elementary school are holiday's, lunch, and P.E. Many of these daily and yearly activities were all active, and because of this interaction I was able to remember the holiday events at school like cinco de mayo, P.E, and what was served at lunch. For P.E I remember playing on the handball courts, anxious to get out there and have fun playing a popular and competitive game at the school. The school was one of the largest elementary schools in the city, and because of this it was difficult to get the one on one attention from teachers. Many times we read different books, practiced basic math, and writing skills, which are essential in the world we live in today. I would be lying if I said that children don't need basic math, reading, writing, and English. This is one part of the education system that should remain the same for the most part. Although It would be good to teach students about the difference between money and fiat currency starting in elementary school. Money is gold and silver and fiat currency only has value if a government says that it has value. Apart of the history lesson should not just be Christopher Columbus, there should be a history of lesson on money and how it evolved from a barter system to what we have today. Elementary schools can teach students how trading chickens for milk became difficult, and to make the system of money exchange easier a currency based system came about. The process went from bartering → Gold and silver as money → and then paper currency which was a receipt for the gold and silver stored in bank reserves. By using a fun game of fake gold and silver coins and fake currency, currency, our students can understand the difference. difference.
Beating the system in elementary school means financial education for youth. By teaching our kids by creating a fun game about money, money, debt, credit, and history of money, money, your child will have a distinct advantage over some adults who don't even care about the subject until it is too late. For example: Lets say you make a game called good debt vs bad debt. And And in this game the child will have to figure out which card will equal good debt and which card will equal bad debt. If the child picks the right cards and wins the game, you award them with $0.25. Once they understand that bad debt takes money out of their pocket and good debt put's money into their pocket you can move on to the next subject matter. What Is Good debt?
Good debt can be a business or real estate that you take a loan out for, and puts income into your pocket after your loan payment. What Is Bad Debt?
Bad debt can be credit cards, loans, car notes, and other items that take money out of your pocket. By keeping things fun and simulating the experience for them they will have a new appreciation for finance. Our brains absorb much more information when we are younger and it is easier to teach kids a new subject when they aren't too old. This is why I recommend this, and I recommend keeping it fun and rewarding so your child does not become bored over time. I learned nothing about money in elementary school, the most interesting subject for me was P.E ( Physical exercise). When a student would do well in class we would receive cheese crackers for rewards, this is why I recommend some type of reward when you teach kids about about the subject of money and finance.
In the early years in elementary school you learn about the value of having good grades as you go through the school system. There is a level of pressure that takes place if you don't don't get good grades. You could get pressure from your teacher, other students comparing themselves to you because you made mistakes, and your own parents beating you for getting bad grades. This doesn't happen in in all cases and in all homes, homes, but it does happen to most young kids, when in the real world we learn by making mistakes. Think about a child that begins walking for the first time, that child had to fall hundreds of times before they began learning how to walk properly. I believe it is wrong to do this to our children when in the real world, experience matters much more then good grades. Don't me wrong, if a college student is learning how to become an auto-mechanic, it is important that they receive a passing grade. However instead of punishing and even considering some students to be “special” if they make a mistake, mistake, we should simply simply make sure that a failing failing student can be evaluated and given extra time time to learn, instead of creating this fear environment, environment, that can't be healthy. Some schools do provide extra help after school which is good, although I would like to see more interactive and simulation type teaching to students in general. When you look at the amount of youth dropping out of school in the USA, it has to be something wrong with the system itself and not just the student. A grading grading system that allows you to make mistakes and then corrects your mistakes may be the difference that the education system needs. If you want to learn more about the corruption in the education system, I highly recommend that you take a look at the video below:
The Cone Of learning
Humans keep more information in their mind when they do the actual thing that they learn, and when the experience is simulated. This is why I recommend fun games when teaching kids, especially in elementary school, junior high, high school, and college. When you look at the education system, students learn from teachers through lecture and reading, which is good, but not a good way to hold information. Do you remember all of the last 10 emails you read? Probably not.
Chapter 3: Junior High
Junior high was an interesting interesting time for me, I started taking a new class in science, which was a fun subject because we dissected little pigs in class. This was interesting and even a little weird, but we all had fun learning about how to dissect pigs. I remember when I almost did not graduate because of my grades. I had to get at least a D grade to be able to pass the 8th grade which was a lot of pressure. I worked hard and was able to pass but inside I always felt as if something was missing. And I can say without a doubt it is financial education that was missing. Why do I keep mentioning financial education? And the lack of having financial education in school? I believe that we owe it to the generation coming up to teach
them about the real world they are about to enter into. If you don't understand the basics of money you will have a hard time with money as an adult. In the real world you can loose your job without doing anything wrong, you can make a mistake as an employee that can be the end of your job, your company that you work for could be bought out, or declare bankruptcy and you could loose your job. Your job can also be downsized, outsourced, and even be taken by technology. By keeping kids aware of these different scenarios we can raise more responsible adults that understand credit cards, how to save money, money, debt, and how to avoid the pitfalls before they start out in life. Heaven forbid that you are in debt, and you loose your job. This is a terrible thing to go through and can lead to anger, a loss of income, and arguments about money. It is wrong to put fear in young adults and tell them they need to get good grades and get a job working for something they have no clue about (Money). To beat the system in junior high, a young adult can be taught the difference between an asset and a liability. You can teach your young adult that an asset puts money into your pocket and a liability takes money out of your pocket. I recommend a fun game that mixes up assets vs liabilities & then makes the student guess which card is an a n asset and which card c ard is a liability. liability. On the back of the card you can show them why this card is a liability or asset and then reward them in a fun unique way. After the game is over make sure the young adult knows that an asset puts money into your pocket and a liability takes money out of their pocket.
Chapter 4: High School
High school is a very important piece to the education system. Growing up in high school was more of the same from my view. More English, Math, Science, and
pressure to do very well, or else. I had trouble in high school and my mom decided to home school me, which made sense because I was able to work at my own pace and still earn my high school diploma. It took me time to pass through the education system, but in 2005 I finally did. Honestly, the only thing that interested me in high school was P.E , lunch, art class, and girls. Notice how interactive each of these activities are. It is important to keep a high school kid engaged in the learning experience, otherwise you will continue to see high drop out rates across the United States & other countries who adopt the Prussian system of teaching. Taking A Stand
The reason why I wanted to write a book about the education system is because I believe that there has to be a change in the way students are taught. In high school there should definitely be some type of financial education that goes deeper than just : Save money in a bank, invest in mutual funds, buy Cd's, and diversify your portfolio. All of these things help the banks, the rich, and the companies of the world, and they receive the least amount of risk and more control over your money. Most students leave high school and don't even know what a financial statement is, and how to budget. Creating a financial statement, and teaching kids the history of money would be a good start as a student moves into college. Teaching Trades Early
It is no secret that the world economy is not in good shape at all, with another depression well under way. We also know that unemployment is much higher then what the official numbers show.
If the education system tells kids that they need good grades to get a good job, then we should be preparing our young adults on the job, and in the classroom starting in high school. This allows the student to get experience in a dog eat dog job market, and this allows students to make extra income without a job. Let's say that a student likes to paint and repair homes, by teaching the student how to do this in high school and gain experience experience on a job, we give them a head start. Another example would be a student who is interested in running a small business. Schools could teach students the basics of running a business, and then have them start lemonade stands around their neighborhoods. I believe that this idea alone can completely change the education system for the better. better. Instead of trying to give a one size fits all education system, schools should sit down with the student and then ask the student what they want to learn. What is their favorite subject? What are their hobbies? And And etc.. This thought of customized education also gives the student the ability to work for a their local neighbor who needs help with a painting job. This leaves a student less worried about loosing a job from a giant corporation, at least the young person can find a way to make it by. To come out on top in High school we have to begin the process of teaching our students how the world of money truly works. Most likely students will not be taught any of the things that I have mentioned so far. So if there is no change in the system, take the time to sit down with your child and teach them about the following subjects, but first learn about them yourself before you do so. 1. Hist Histor ory y Of Mone Money y - There are many great books that talk about the history
of money. Go to Amazon.com and type in “the history of money” and you will find several books that reveal a lot about our monetary system. I personally recommend reading Mike Maloney's Guide to gold and silver, this will give a snapshot of the future, by looking into the past. 2. Create Create A Financial Financial Statem Statement ent – Start searching for financial statements online by doing a Google search or by going over to richdad.com, and type
in the search bar “financial statement” I use their financial statement and it
has helped me create picture of my financial situation. 3. Read Rich Rich Dad Dad Poor Poor Dad – Reading this book changed my life for the
better, and gave me a different view of the world of money. Read this book with your young adult, so they can leave high school with other options then just working hard for money. 4. Asset Asset Vs Liabil Liabiliti ities es – This subject is one of the most important, and as long
as the young adult understands the difference between assets vs liabilities, they stand a chance to make it in the real world. Make sure they understand that an asset puts money into your pocket, and a liability takes money out of your pocket, and play games to keep things interesting and fun. Robert Kiyosaki
I can say with 100% confidence that having a good education on the world of money Is an on going process. And in high school, I wish my parents sat down with me and read some of Robert Kiyosaki's books. In most cases you will not be able to work forever, and this gives a student a different perspective perspective of how to make money work hard for them, and working for money. The story of Rich Dad poor dad appeals to adults and youth, and can be a stepping stone that can help you to understand the basics that might lead to creating a strong foundation of wealth for your young adult and family. Chapter 5 College
After high school I got a job working for a small retail store in the state of Mississippi in 2005. Mississippi is known for it's low wages and overall low income residents. My starting hourly pay was about $5.25 which was low even in 2005.
It was not long before I wanted a change, and according to the general population and the education system, I thought it was time to further my education by going to college and getting a good job. I moved to a new state, and I eventually got a job at a large warehouse for a large shipping company. My starting hourly rate was $10.88 per hour, which was a step up, but I did have to drive a bit further to get to work, so everything balanced out. I began to receive credit cards in the mail once I opened up a banking account at one of the largest banking institutions in the world. I was warned to not open but one credit card account and not to max the credit card out. I found out from a family member, that building my credit early could help me later on in life so I decided to buy a computer with my new credit card. When I opened up my checking account and credit card account, I remember getting my first overdraft fees in the mail stating that I was going to be charged $35 for going $1.00 over what was in my checking account. I was angry as more of these fees came, which led me to using cash c ash only. only. Eventually I signed up for more credit cards being young and naive, which most young adults are.
Although one of my credit cards were opened because my car was broken into, and I did not want to drive around with a broken window. While in school and working at the warehouse I started to accumulate credit card debt & student loan debt to go to school. I was told in school that if I had a piece of paper I would make $30,000+ per year with my career diploma. Unfortunately Unfortunately I graduated school making $9.00 an hour which was a let down, but I did receive more hours at work, this was far from $30,000 a year and I felt like something was missing after all of the work I put into my college education. e ducation. While in medical school I learned the basics of medical terms, and some teachers were quite boring. There were some teachers that were helpful, but some subjects
just did not fit the core subject. There was a point in class in which we played a game called medical term survivor that I remember clearly. It was based on the TV show survivor, students had to match the right medical term with labels on a plastic paper skeleton that we created. What is interesting about this activity is that I remember it because we learned using illustrations illustrations and simulating an experience. experience. Which Which is the way I believe all schools should teach students, but don't for most subjects. Your Fired!
While working at my new job after college I was fired out of the blue, because a doctor was leaving, and the need for some employees was not needed. It is not fun being fired because of a change taking place in the company that I was working for, for, but it is apart of the employee lifestyle. I still had bills to pay but at least I could receive unemployment benefits until I could rebound. One month later I got my job back, but because of a bad living situation I had to leave. After going through all of this job limbo, I felt like I had no control over my money. After moving back with my parents I knew that there had to be a change in my financial situation. After hearing about the book Rich dad poor dad I began my journey into the world of business, sales, and money management. I'm still learning, and today, I can say that I feel more control over my financial situation now, more than ever. Colleges should start students with a financial education course that covers credit c redit card management, a review of a students financial statement before predatory credit card companies can promote credit cards to students, should be mandatory. mandatory. Don't get me wrong, English, math, writing, and speaking is very important, but financial education should be right there with those core curriculum’ c urriculum’s. s. Just because a student has a high paying job, and can make a lot of money doesn't
mean they know how to spend, save, and understand money. money. Three Types Of Education
There are 3 types of education that everyone should have the chance to learn in school, and they are: Academic Education: The ability to read, write, and do math. Professional Education: learning to work for money. Financial Education: Learning how to make money work for you.
By mainly preparing students with academic education, and professional education, we do help students. But if we want to change the world, and create adults that look to make the lives of others easier and create value in in the world, we create less people who want hand outs. Simply put, we can teach people how to fish instead of giving them fish. Overpriced And Under Paid
Since 1975 the U.S worker has produced more, but wages have gone down & corporate profits are up dramatically. On top of this, tuition and fees are going up for many college students. What shocks me is the cost for books, that are outdated once a student graduates yet they can cost over $1,000 per year. I wonder why schools cannot use digital ebooks to produce information faster and be able to edit and revise a book if there is a major change. Schools Schools could also charge much less for books than what is charged. Times Times are changing very fast, and if our education system is still in the stone age, our students will suffer as tuition hikes & fees will continue when they do not have to.
Chapter 6 The Answer Is Financial Education
In late 2011, there are occupy movements taking place all across the United States. Uprisings are also taking place across the middle east and Arab nations. Crude oil prices are hovering around $100 a barrel, and the cost of living is going to go up. The question is what are you going to do about it? Yes, protesting and boycotts can make a difference, but ultimately it is you, that can make the changes c hanges necessary to educate yourself financially and grow richer, by helping your children and yourself through financial education. Many of the problems that are taking place today are the result of a system that has been setup by dead people. So it is foolish to argue with dead people, that are long gone. Some people will recognize the rise of the internet & becoming wealthy through information. It is not gold, real estate, or money that makes you rich, it is what you know about these asset classes that makes you rich. In 2011 It has never been easier for a business to conduct more business with fewer employees, and cheaper labor. labor. Mobile phones make it easier to connect with people globally and hold meetings anywhere in the world. The rise of mobile applications are taking off, and you will hear more about apps as time goes on. There are app developers who are becoming millionaire’s millionaire’s by creating valuable functions on mobile devices that make life easier for people. Give More To Receive More
If you want to make more money, pay little to no taxes, while making money in your sleep, you have to give more to receive more. Many people want to receive more and then give. They want to know what benefits they will receive when they get a new job, they want to know how much money they will receive. And if there is any pension they receive. Instead of asking what Is the companies mission, or thinking about ways that they
can improve a business, most want to receive. Real life examples of givers would be the creators of the Magic Jack, George Foreman Grill, Fast food restaurants, and other businesses that make life easier and more convenient. The Greedy Rich
Many believe that the rich are greedy, and there are greedy rich and poor people. In most cases the rich are providing something that solves a problem or makes a persons life a little bit better. This is why I mention that you have to give to receive. Drill For Gold
A short drill that anyone can do is to write down 3-5 things that you know about. Go to Google and begin searching for problems that many people are having. This simple exercise can give you an idea of what people need help with. Once you have a good idea of different problems in the market that you pick, write a book about how to solve some of the problems you have found. The good news is that there are millions of problems in the world today. I'm writing this book using openoffice.org openoffice.org writer, writer, which allows me to easily convert this writing document to pdf format, which makes it easier for my books to spread digitally.
Try to begin this simple exercise and research how to write a good book and take your time. The Conspiracy Against Your Education
I do believe there is a conspiracy against our education, and it all started with the
creation of the general education board. The following following is a quote quote from the the book: The creature from Jekyll Island by G Edward Griffin
“The purpose of the foundation [The General Education Board] was to use the power of money, not to raise the level of education in America, as was widely believed at the time, but to influence the direction of that education... The object was to use the classroom to teach attitudes that encourage people to be passive and submissive to their rulers. The goal was-and is-to create citizens who were educated enough for productive work under supervision but not enough to question authority or seek to rise above their class. True education was to be restricted to the sons and daughters of the elite. For the rest, it would be better to produce skilled workers with no particular aspirations other than to enjoy life.”
I believe this is why there is nothing taught about money in our schools. The ultra rich do not want you in on their game. Conclusion
If you want to build long term sustainable wealth, focus on building & acquiring assets that appreciate in value, or produce income whether you work or not. Educate yourself about the 4 different asset classes, which include: Real estate, Business, Stocks, and Commodities, but focus on 1 at a time. If you want to accelerate your financial education I recommend getting a coach that is successful in the asset class that interests you the most. Because times are changing so fast, your education about the world of money could make the difference between suffering financially and coming out ahead of the economic crisis. I suffered as a young adult and as an adult, and with the information I have shared I hope you can take the information and use it to make sound financial decisions. There are trillions of dollars dollars that most people do not not know how to access or can't access because of bad debt or personal credit. But that doesn't mean it is too late or you can't improve your personal financial situation.
Just remember to acquire assets before you buy a liability. liability. For example if I want to buy a new outfit, I wont charge the new clothes on a credit card, I'll create a new website that produces income that allows me to pay for my new clothes first. This is critical for avoiding consumer consumer debt, without going over your personal budget. I hope the information shared in this guide will help you and your family. Feel free to check out my two web blogs blogs which cover other investment investment ideas and internet internet marketing at: www.BrianClarkMethod.com www.GoodInvestmentsForYoungPeople.com
