“A good man leaves an inheritance to his children’s children.” — Proverbs 13:22
You work hard. You save faithfully. And quietly, year after year, inflation, fees, and a broken monetary system are draining the real value of what you’ve built. There is a better way. And it was built for families like yours.
“The working American deserves better than trading irreplaceable time for a currency designed to lose value. We partner with families who are ready to stop watching their savings quietly erode — and start building a heritage that outlasts them.”
Coinstead Financial Services — Rawlins, Wyoming
Every month in The Rooted Roundup, we open with the same three questions. Most Americans have never been asked them. Fewer still can answer them honestly.
Not what the headlines say. What is it doing to the real purchasing power of the money sitting in your savings account, your money market, your 401k — today? Do you know the actual number?
Not just their stated fee. What has that 1% AUM cost you in real dollars over the last five years, compounded against your own portfolio growth? Most people have never seen that math done honestly.
Not a will. Not a savings account with a beneficiary listed. A real, durable plan for passing wealth that holds its value to your children’s children — without probate, without inflation eating it alive.
We’ve spent years building answers to these three questions — and a system that puts them to work for everyday families.
Let’s Talk →We are not for everyone. We’re for the working families, the ranchers, the tradespeople, the parents — who sense that something is wrong with the system but haven’t been given a real alternative. If any of these land, we should talk.
Your savings account says one number. Your purchasing power is another. You know inflation is real, but no one has ever shown you what to actually do about it.
The AUM fee sounds small. But compounded over decades, it quietly transfers a significant portion of your retirement to someone whose interest may not align with yours.
You don’t want to speculate. You don’t want to gamble with your family’s future. You want to understand it before you touch it — and you want someone who’s already done the work.
Not just a dollar balance. A store of value that actually holds across generations. A plan that accounts for the real enemies of inheritance: inflation, taxes, probate, and time.
These aren’t fringe concerns. They are the structural realities that the traditional financial system has no real answer for — and that most advisors will not raise with you unprompted.
The Federal Reserve’s stated target is 2% annual inflation — meaning your savings account is designed to quietly shrink in purchasing power every single year. Your account balance may go up. Your real wealth may not.
The purchasing power of $1 in 1971 is now roughly $0.06.A 1% annual fee sounds harmless. But on a $250,000 portfolio growing at 7% annually, you’ll hand over more than $150,000 in fees over 20 years — dollars that could have compounded for your family instead.
Most clients have never seen this math done honestly in front of them.Probate costs. Estate taxes. Inflation eroding dollar-denominated assets. No coordination between savings, insurance, and inheritance. The wealth stops — or shrinks dramatically — at the first handoff.
Proverbs 13:22 isn’t a suggestion. It’s a standard. We build toward it.Every one of these decisions was made in Washington D.C. None were put to a public vote. And every single one transferred real purchasing power away from working Americans — toward the institutions that control the money supply. Your savings account is still paying the price.
Congress passed the Federal Reserve Act, creating a central bank not elected by the people and not fully accountable to them. For the first time, a semi-private institution — not the constitutional gold-and-silver standard — controlled how much money existed and what it was worth.
What it costs you today: Since 1913, the U.S. dollar has lost approximately 97% of its purchasing power. The dime your great-grandfather earned in 1913 held more real value than a dollar does today.
President Roosevelt ordered Americans to surrender their gold coins and bullion to the Federal Reserve at $20.67 per ounce — under penalty of $10,000 in fines and up to ten years in prison. Once collected, the government immediately revalued gold to $35 per ounce. Citizens had been paid in devalued dollars. The government kept the difference. Private gold ownership remained illegal for over 40 years.
What it means for you: What is legal today can be made illegal tomorrow. What you are required to surrender can be revalued in someone else’s favor. Self-custody and ownership structure are not technicalities — they are the difference.
After World War II, 44 nations agreed that global currencies would be backed by the U.S. dollar, and the dollar would be backed by gold at $35/oz. America became the world’s reserve currency issuer — with the privilege and temptation to print more dollars than gold could back. It was a promise built to break.
The setup for 1971: The temptation to spend without restraint was built into the system from day one. Foreign governments began redeeming their dollars for gold. The promise had a shelf life.
On a Sunday night broadcast, President Nixon announced the U.S. would no longer honor its promise to convert dollars to gold. Rather than restrain spending, the administration simply ended the promise. The dollar became a pure fiat currency — backed by nothing tangible. Just institutional trust in a government that had just broken its word.
What followed: Since 1971, the dollar has lost over 85% of its purchasing power. The cost of housing, healthcare, and raising a family have outpaced wages for working Americans every decade since. This is not a coincidence.
In response to 2020 economic shutdowns, the U.S. government and Federal Reserve expanded the M2 money supply by over 40% in roughly two years. Trillions of new dollars were created. The supply of goods and services did not increase by 40%. More dollars chasing the same amount of goods meant every dollar you already held bought less.
You felt it at the grocery store, the gas pump, the hardware store: That wasn’t random “inflation.” That was a policy decision — and working Americans paid for it through the hidden tax of a debased currency.
The U.S. has run a federal deficit every single year since 2001. The national debt now exceeds $39 trillion — more than the entire annual economic output of the United States. The interest alone to service that debt has crossed $1 trillion a year — more than every dollar spent on the U.S. military. Washington is on pace to add another $2 trillion to that tab before this fiscal year is over. The only tool available to keep this machine running without cutting spending is to keep printing money — and every dollar they print makes yours worth a little less.
Your savings account isn't keeping you safe. It's losing ground every single day against a system that was never designed with your family in mind. We built Coinstead to give everyday working families a real answer to that problem. Not a complaint. A system.
Let’s Talk About Your Family’s Plan →We’ve built a layered system that addresses each of these problems directly — not with Wall Street products and hidden fees, but with disciplined stewardship tools that put you in control. Here’s the foundation of what we build together.
High-yield income instruments that generate consistent distributions — redirected automatically into a growing position in real, fixed-supply money. You don’t risk your savings. You redirect the yield.
Real ownership means no bank, no advisor, and no institution stands between you and your wealth. We walk you through true self-custody step by step — so your assets belong to you and your heirs, not a platform.
Working alongside Gannett Trust, Wyoming’s first Bitcoin-native trust company, we help you build an inheritance framework that survives inflation, probate, and time itself.
The details of how this system works are not something we put on a website.
They’re something we walk through together — because you deserve a real conversation, not a sales funnel.
Coinstead charges a single flat rate for a complete sovereignty coaching engagement — not a percentage of assets, not a monthly retainer that grows as your wealth grows. We earn once. Then we root for your success for the rest of your life.
This program did not come from a marketing strategy. It came from a conviction that faithful stewardship, biblical principles, and honest monetary thinking point in the same direction.
You trade hours of your life for dollars. When inflation quietly erodes those dollars, it is not just an economic inconvenience — it is a theft of the real value of your labor. We take that seriously.
“A false balance is an abomination to the Lord.” The fiat monetary system uses unjust weights. We align our families with a monetary system built on fixed, verifiable, honest supply — because integrity in money is a biblical principle, not a financial opinion.
We do not chase gains or recommend gambling with your family’s future. We build quiet, automated systems that compound faithfully over decades — consistent with the parable of the talents and the wisdom of Proverbs.
Every decision we make together is made with the third generation in mind. The goal is not comfort in retirement — it is a multi-generational covenant of faithful provision. A good man leaves an inheritance to his children’s children.
“A good man leaves an inheritance to his children’s children, but the sinner’s wealth is laid up for the righteous.”
Proverbs 13:22 — The Foundation of Everything We BuildNo pressure. No jargon. Just an honest thirty-minute conversation about where you are, what you’ve built, and what’s possible for your family’s future.
I partner with working families who are ready to stop trading their most valuable asset — time — for a currency designed to lose value. If you believe your labor deserves to be stored in something honest, let’s talk.
Discovery calls are free and run about 30 minutes. No obligation. If there’s a fit, we talk next steps. If not, you leave with a clearer picture of your strategy — and that’s worth something too.
Monthly plain-language insight on inflation, purchasing power, what honest money actually looks like, and what it means for your family’s long-term strategy — written for ranchers and tradespeople, not Wall Street analysts.
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