This is not a trick question.  It is a sanity check for those who are engaged in the battle to end the Federal Reserve System and the fiat money Ponzi scheme that goes with it.

The question is simple, if you believe that the FED is public enemy #1, a den of vipers, history's greatest crime syndicate and all the other evil appellations we can think of, why are you still trading with it?  Are you being forced to?  Always?

If you need employment to survive and your employer only offers direct deposit of your paycheck into a Federal Reserve System bank, there is not much you can do about that outside of finding another job.  What about after your money is in the bank though? 

It's likely you are dealing with a local branch of one of the FED controlled, partially nationalized banks.  Is anyone forcing you do do business with this bank?  Can you not, at least still for a little while longer, take your money out and do what you please with it? Why then do you choose to keep your wealth in the hands of an agent whose ultimate master is working directly against your best interests? 

Perhaps you have found one of the few banks that are not part of the conspiracy against your financial well being.  If not, you can be certain that your fractional reserve bank is stealing from every dollar you have on deposit in the FED's crooked system.  Your own money is being used against you (debased) every time it is loaned out to the next customer coming in the door of the bank.

Well, at least your bank makes things convenient for you.  Maybe their theft is worth the service charge to you? However, have you ever taken the time to consider your options?

Let's look at several potential ways you can cut the bankster middle men out of your daily economic activity in your local community — ways that reduce the funds you are voluntarily turning over to empower the banking crime bosses.

#1 Stop saving for retirement in government regulated 401Ks and IRAs while forcing your children to "be independent" and get their own college loans to pay for college. 

The banks and federal government, or do we repeat ourselves, have made this an alluring choice by offering tax incentives and subsidized interest rates.  That is, they encourage you to keep your money in retirement accounts they ultimately control, while underwriting interest rate subsidies for your kids with your own tax dollars — either directly or through inflation. 

Maybe someday in the future you will be able to take this retirement money out at a lower tax rate than you are paying today.  You are certain, of course that the largest debtor in the history of mankind is not going to have to raise the tax on your retirement money, and that dollars in your account today, will still buy something of value in the next 10 to 20 years.  And, of course, you are betting that the next market downturn won't result in the federal government rescuing your retirement funds by swapping them into something rock solid like U.S. Treasury bonds.

In the meantime, while you are stocking up on that retirement nest egg, you children are racking up $10,000 to $20,000 or more of debt each year to get through college.  The banking cartel is picking up easy money on both ends of this deal.  What you have decided is this:  The banking crime syndicate is a better, safer, more convenient, more conventional investment than your own children.  Who helped you reach this conclusion?  Maybe you should reconsider your decision, in spite of what others paid to keep you in the game may say.

#2 Forget that tax deduction for your mortgage interest pay down that debt with money you have in CD's and bonds. 

Yes, you may want to keep some readily (sic?) available money in the bank for a rainy day, but why have investments that might have a 6% return on average versus a mortgage than is definitely costing you 4% even after your tax deduction?  Forget all that blather about beating the market and over the long term.  The market is rigged and the long term only works if you hit the magic sweet spot between major crashes of the market.  And, don't forget to take out the capital gains and account management fees you have to pay.  When it is all said and done, how sure are you that you can beat the interest rate you are locked into on your mortgage?

Alternative option: Perhaps you either don't have a mortgage or you want to simply get yourself into a better return.  Do you have a close friend or relative that you trust more than our banking system?  Why not cut the bankster middleman out and payoff all or part of that trusted person's mortgage and start pocketing the interest payments yourself?  This is a lead in to item #3...

#3 Take that cash you have had sitting in a low interest savings account or CD and invest it in a friend or family member who's car loan you can buy out.

Car loans are usually shorter term and for smaller amount that many people within a family or group of close friends can work with.  Why sit on a 1 to 2 year $10,000 CD paying 1.5% interest when you know a good hard working, reliable person who is paying 7% on a used car loan.

#4 Pay off a family member's or trusted friend's credit card balance being socked with a 20% interest rate or more.  Charge up to an interest rate at or near the current real inflation rate of 10%. 

Win-win for you and your friend.  Loose for the bank who issued the credit card — that's a good thing.

This is an easy one if the credit card balance is within a range that you might be keeping in a little used savings or checking account that is pulling in an interest way below the actual rate your money is being debased by the banking system through inflation.  Can't find a friend or family member you trust for being on the hook to you for their outstanding credit card balance?  How about setting a system up through your place of worship as an outreach effort to the less fortunate in the congregation or community? 

#5 Pay in cash when dealing with local merchants.

The banking cartel has spent billions of their ill gotten gains convincing people of the convenience of a cashless society.  Of course they have.  Banks get a cut of the Human Action (usually from 1% to 3%) every time a financial transaction is made with a credit card.  The added bonus is that their government division gets improved financial transaction traceability. 

A credit card is fine to use when shopping with your nationalized airline or government subsidized big box retailer.  Does it make sense though to cut the banking syndicate in on your trades with your local independent pizza shop or car repair garage?  Using cash (or even a check) keeps more wealth in your local community.  Using a credit card puts more money into the hands of some central authority. 

Note: The effort to convince merchants to trade in real money like silver is noble, but consider how much easier it is to put a dent in the FED's rigged system by simply dealing in cash.  Yes, that $20 note in your wallet is still worthless fiat, but, for the moment, 999 out of 1000 merchants are going to take that in trade no questions asked and your enemy the bank does not get a 1% to 3% cut on your trade to use against you.

There are things we can all do besides just complaining about the Federal Reserve and the bankers behind it.  Give it some thought.  Think twice next time before you rollover that CD or pull out your credit card.

Recognize you have a choice.  Look for ways to stop trading with the enemy.

Disclaimer: This article is for general financial commentary only.  It is not intended as specific financial advice. You should talk to your own trusted investment professionals for specific advice.  We do recommend however that you use financial professionals who understand the true nature of our Federal Reserve System.  If they do not have this understanding, consider who should be making sure they acquire it.  Here are a few educational tools to help you and them get going:  Creature From Jekyll Island, Dollars and Sense, Monetary Mayhem.