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If you talk to young Americans today, you hear a common refrain: “The American Dream feels out of reach.” Housing is unaffordable, debt is crushing, and many wonder if hard work will ever truly pay off. On Pirate Money Radio, we’ve been unpacking why that feeling exists—and more importantly, what can be done about it through biblical tithing, Christian budgeting, and principled Christian financial planning.

In a recent conversation, I was joined by my friend and colleague Mike Carter to connect the dots between real money, economic justice, faith, and the future of our nation. What we discussed isn’t theoretical. It’s already shaping elections, families, and the direction America will take in the coming decades.

The Growing Cry for Economic Justice and Christian Financial Planning

Economic justice is not a slogan invented by politicians—it’s a biblical principle rooted in Scripture, stewardship, biblical tithing, and sound Christian financial planning. Scripture speaks clearly about fair weights and measures, and history proves what happens when societies abandon them.

Today, many Americans—especially Gen Z—feel locked out:

  • Student debt delays adulthood
  • Housing prices push first-time buyers toward age 40
  • Inflation erodes savings faster than people can earn

As Mike Carter put it, young people are working harder than ever, yet feel like they’re running on a treadmill that never moves forward. That frustration explains why socialist ideas suddenly sound appealing to voters who see no upward mobility.

The Turning Point: Leaving Sound Money Behind

One of the most important turning points in modern American history happened quietly in 1971, when the United States abandoned the gold standard. From that moment on, money became disconnected from anything tangible.

The results have been devastating:

  • Exploding national debt
  • Persistent inflation
  • A widening wealth gap

When Congress can spend without restraint and the Federal Reserve can print at will, the system rewards those closest to the money spigot while punishing average families. This is known as the Cantillon Effect, and it explains why asset holders thrive while wages lag behind.

Mike emphasized that this isn’t just an economic issue—it’s a moral one. Unjust money produces unjust outcomes.

Gen Z, Socialism, and the Search for Hope

We’re seeing something unprecedented: young voters turning out in massive numbers for socialist candidates. Not because socialism works—but because they’re desperate for answers.

Mike and I discussed how policies like rent control and collectivism promise short-term relief but deliver long-term devastation. History—from Venezuela to North Korea—confirms this truth.

When people lose hope in building a future for themselves, they begin voting for government dependency instead of freedom. That’s not compassion—it’s a recipe for bondage.

Family, Faith, and Demographic Destiny

One of the most sobering consequences of economic injustice is its impact on family formation.

  • Average age of first marriage is now nearing 30
  • First-time homebuyers average around age 40
  • Birth rates have fallen below replacement levels

Mike Carter brought a powerful perspective from his years in housing: when people can’t afford homes, they delay marriage. When marriage is delayed, children are delayed—or never born at all.

This isn’t just about economics. It’s about the survival of a culture.

As the late Charlie Kirk so boldly said: “People should get married young and have more kids than they can afford.” That statement cuts against conventional financial wisdom—but it reflects a deeper truth. Families are built on faith, not spreadsheets.

ARC: A Biblical Vision for Economic Justice

Out of these conversations emerged a practical framework we call ARC:

Affordability

Sound money and fair systems make life affordable again—housing, food, and family.

Reward

Free markets reward hard work, innovation, and responsibility—unlike socialism, which punishes effort.

Kindness

The church—not the government—was designed to lift people up through generosity, mentorship, and community.

Mike emphasized that ARC isn’t just a philosophy. It’s a call to action—especially for believers who want to help the next generation thrive.

Why Real Money Still Matters for Christian Budgeting

At Pirate Money Radio, we talk often about gold and silver as real money. Not as speculation—but as honest measures of value.

For families trying to practice Christian budgeting and long-term stewardship, money that holds its value is essential:

  • Savings are protected
  • Long-term planning becomes possible
  • Families regain confidence in the future

Mike shared how more listeners are taking their first steps into gold and silver—not out of fear, but out of prudence.

Choosing Liberty Over Collectivism

History gives us a clear choice:

  • Rugged individualism under God, which built America
  • Or the false warmth of collectivism, which has failed everywhere it’s been tried

True economic justice doesn’t come from government control. It comes from faith, family, freedom, and honest money.

America still has time to choose wisely—but the window is closing.

Watch Pirate Money Radio and stay grounded in truth by streaming on Real Life Network.