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Gold, Silver, or CBDC? What the Future Holds for the U.S. Dollar

With all the uncertainty in today’s economy, one of the most common questions I hear is: Should we be running toward gold? Silver? Or something completely different? And perhaps even bigger: Is the U.S. dollar in real trouble?

That’s why I invited David Morgan, publisher of The Morgan Report and one of the foremost experts on money, metals, and currency systems, to join me on the show. David has over 40 years of experience tracking currencies, commodities, and monetary history, and his insights are not only sobering but practical.

From Silver Coins to Global Currency Warnings

David’s story begins back in the 1960s, when U.S. coins quietly shifted from 90% silver to clad “Johnson Slugs.” That moment combined with his engineer’s mind for details sparked a lifetime obsession with money and how it really works. Later, while working in the aircraft industry as a B-1 bomber crew member, he discovered contrarian financial newsletters that confirmed what he already suspected: the system isn’t as solid as most people are led to believe.

That conviction shaped his career. Today, David is widely recognized for teaching people how to survive and thrive through currency crises.

All Fiat Fails: What That Really Means

One of David’s core principles is simple: all fiat currency fails. Not sometimes. Always.

Now, failure doesn’t mean the world comes to a screeching halt. Real wealth land, agriculture, oil fields, infrastructure doesn’t vanish. What changes is ownership. When currencies collapse or reset, over-leveraged borrowers lose assets and cash-heavy buyers scoop them up at fire-sale prices.

According to David, the dollar won’t likely hyperinflate into nothingness like Zimbabwe. Instead, we’re more likely to see a repricing event: leveraged assets such as overbought stocks or real estate drop, while essentials like food and energy could surge. In other words, it won’t feel like one big crash it’ll feel like a massive reshuffling of value.

The Coming Shift: Tokenization and CBDCs

David also warns that the dollar’s “next act” may not be paper at all. Central Bank Digital Currencies (CBDCs) and tokenized money are already on the roadmap. In fact, projects involving iris scans and digital IDs are already rolling out quietly.

His take? Expect a crisis likely a cyberattack or system “glitch” to accelerate adoption. The pitch will be simple: “This is safer, more secure, and you’ll get a bonus if you sign up fast.” It sounds like science fiction, but it’s unfolding right now through the Bank for International Settlements and other global financial architects.

Positioning for Resilience

So, how do we prepare? David outlined a few practical steps:

• Hard Assets First. Paid-off real estate, commodities, and tangible businesses (like plumbing or HVAC companies) will hold value when paper doesn’t.

• Precious Metals Matter. Gold and silver aren’t “dead assets.” By investing in royalty/streaming companies and select miners, you can generate cash flow through dividends and even add yield with covered call strategies.

• Selective Crypto. Some digital assets will likely survive and thrive—but they should be satellite holdings, not your foundation.

• Self-Sufficiency. Skills matter. Knowing how to fix, build, and maintain things creates value no currency collapse can erase.

David Morgan’s Ripple Effect

When I asked David what ripple effect he wants to leave behind, he summed it up in one word: freedom. To him, honest money equals personal freedom. Without control over your money, you don’t have control over your life. And he’s right.

You can learn more about David’s work and grab free resources at themorganreport.com/money, including a complimentary consultation.

My Takeaway

Here’s the truth: The system is shifting, whether we like it or not. The Fed can’t print us into prosperity, and the next monetary framework will look different than the last. But if we focus on real assets, cash flow, and freedom-first strategies, we can not only protect ourselves but thrive in the years ahead.

The question isn’t whether gold, silver, or CBDCs will “win.” The real question is: How will you position yourself so you’re not at the mercy of forces outside your control?