Opening Note… (Sorry, this is a long one today!)

We’re just three months into the year, and the trend is that of uncertainty (& yet hope at the same time)...

Yet, we could argue that if there’s one theme that’s defined the first quarter of 2025, it’s money, or more accurately - DEBT.

In the U.S., new leadership is finally making aggressive moves toward a debt-free economy. But the road is long and the pushback fierce. While one side is focused on cutting trillions in waste and restoring fiscal sanity, the other clings to the past, emotionally laded - and directing this with vandalism and chaos towards Tesla...

In the UK, the pattern is even more prevalent. Debt is being used to justify expanding government power—pushing cultural censorship, endless foreign entanglements, and tighter control at home, all under the banner of “economic stability.”

I imagine that if I were appointed to cut waste in the UK Governmental system, I'd no doubt find exactly the same things as the DOGE team is finding in the US…

Debt has become the dividing line between collapse and opportunity. Some say we’re heading toward disaster, not just in the UK, but Europe wide - I’d tend to agree with these voices. But many also agree we’re standing on the precipice of a new golden age—one built on peace, through strength, and economic freedom. I’d also agree with these people too…

You see, in any period of turmoil: there's always an opportunity to protect yourself and your family - while others around you are, well… let’s be blunt - losing it. It’s all about emotional maturity combined with preparedness.

Unfortunately, in the society we live in today, most people are just not emotionally mature. They haven't done the inner work. Heck, they haven't even done the outer work.

Most people would prefer to watch some trashy reality show about the most distasteful things, than watch an educational video or read a newsletter like this. Why expand their minds? Why keep up to date on geopolitics, prepare or grow? It really is like the proverbial ostrich plus sand.

At the personal level also, most people are still caught in a system built on debt. The average American now carries over $21,000 in credit card debt alone—and that doesn’t include car loans, student debt, or mortgages. It’s everywhere. It’s prevalent.

In fact, U.S. credit card debt has hit an all-time high of $1.13 trillion, with the average interest rate soaring to 21.5%—the highest on record!

Yet debt can be a weapon—or a weight. Used well, it creates freedom. Used poorly, it destroys your freedom and creates a psychological form of slavery (trust me, I know! I had heavy debt for many years)

So I’ve experienced both sides of it—and it’s why I said last year that I was creating two new courses to destroy this cycle for my community. Any yet, people made all sorts of comments, here’s just a few:

“Why make these courses, you won’t make any money from them, people don’t want to deal with debt”
“Neil you’ll probably lose money, no one want’s to sort their life out, come on!”
And my favourite: “Just make another course on how to make more money please, I don’t want to sort out my debt and get a decent credit rating”

So despite the protests, I made the programs anyway…

And I’m glad I did, because this couldn’t have come at a better (or worse) time - (depending on how you look at what’s going on right now of course) - personal debt is at an all time high…

People are drowning in debt right now. And on the flip side, most people have no clue, absolutely no idea what their credit rating is or what even makes up a good credit rating…

The reason this is far from ideal, is because if you don't fix this stuff, you'll end up paying tens of thousands in extra interest payments throughout your life. For some people with mortgages it can be over $£€100,000 in extra interest payments!

Why not sort this out once and for all?

And I promised you I’d make these so low cost that anyone can afford these programs. I’ve consolidated the information into a workbook too this time and made the program nice and short and concise. So if you’re short on time, great! This will be perfect for you.

So here we go:

Debt Annihilation™
A fast-acting, deep-dive system to destroy all your debt—quickly and strategically. Learn More Here (Priced At $34)

Credit Hacks™
How To Build a Powerful Credit Score, Get the Lowest Interest Rates & Save Thousands Learn More Here (Priced at $57)

These two programs will change your life—and your family’s. If you’re carrying debt or don’t yet have an excellent credit rating, these aren’t just helpful… they’re essential.

And if you want an even better deal, here’s a super bundle price of just $87! (No this isn’t a typo!)

👉 [Click here to get both programs now for only $87]

Now, let’s break down the global stories that matter this week…

Table of Contents

• 1. Weekly Spotlight

• 2. Quick Takes

• 3. Important Video of The Week:

• 4. Chart of the Week

• 5. Faith & Success

• 6. Market Overview

• 7. Join the Conversation 💬

• 8. Limited-Time Presale – Debt Annihilation™ + Cre …

1. Weekly Spotlight

EU Urges Citizens to Stockpile for Emergencies

This week, the European Union quietly issued a warning that most major outlets didn’t cover: citizens should be prepared to survive for at least three days without external support—including access to power, water, or food.

The directive was framed as “good crisis planning,” but make no mistake—this is not normal. The EU doesn’t issue guidance like this unless internal assessments are flashing red. And it wasn’t local guidance either, this was an EU white emergency alert to over 450,000,000 people! Just think about that for a second… 

Officials cited growing concerns over energy disruption, cyberattacks, military escalation, and even “acts of sabotage” on critical infrastructure (Heathrow coincidence?) Some leaders in Germany and Scandinavia are pushing for even stricter civilian readiness policies behind closed doors…

And here's the key: no one is explaining WHY. What changed this month to make this warning necessary?

The truth is, this ties directly into everything I’ve been talking about:

• The rising fragility of NATO

• Shifting U.S. military commitments (away from Europe)

• Escalating cyber warfare across borders

• Abysmal energy security (Europe predominantly)

• Weak Western leaders, riddled with corruption & losing control

• Retribution from Russia, China, North Korea & Iran towards us…

The EU sees what's coming—they’re preparing for impact, even if the public isn’t being told the full story.

Bottom Line:
This is about more than prepping. This is about systemic fragility. Where institutions that once promised "stability at all costs" are now quietly telling people to fend for themselves… that should make everyone pause & reflect (please do).

2. Quick Takes

Here are the top stories shaping the week:

Signal Gate Fallout
National Security Advisor Mike Waltz accidentally added The Atlantic’s editor to a classified chat group with Trump’s inner circle—revealing sensitive military planning. Of course he downloaded and published absolutely every last message (wow).

Britain Helped US Top Guns in Airstrike on Houthi Terrorists
The United Kingdom and United States launched joint airstrikes on Houthi targets in Yemen. The UK provided refueling support during the mission.

Russia Ready to Work with Europe
Putin said Russia is open to working with Europe on the Ukrainian settlement but warned against making the mistake of trusting the West excessively.

North Korea Reveals AI-Enabled Combat Drones
North Korea unveiled large military drones equipped with artificial intelligence during a recent weapons presentation. They are doubling down on military capability at present due to expecting conflict in the near future with the West.

This is why I previously explained that if indeed North Korean troops were fighting alongside Russian troops, it would make sense, because they currently lack combat experience. One thing I learned very early on in military leadership, was that it doesn't matter how fit or strong you are, combat experience is what counts. ONE experienced soldier is worth TEN fresh recruits.

Control of the Arctic
NATO, Russia, the United States, and China are expanding activity in the Arctic as new pathways expose strategic shipping routes and mineral deposits.

Carney Says ‘Nothing Off the Table’ in Era of Tariff Retaliation
Canada is evaluating potential retaliatory tariffs after delays by the United States in resolving disputes over aluminum and automobile imports. The US has the upper hand over pretty much every other Country at this stage. Although there are rumours that Canada, the EU & others - have held ‘alliance’ meetings behind closed doors…

Small Businesses Are Stalling, New Report Shows. It Could Be a Warning for the Economy.
A U.S. Federal Reserve report shows declining revenues, increasing debt, and stagnant employment among small businesses. Employees & Entrepreneurs alike should pay attention to this.

3. Important Video of The Week:

History Is Repeating (Get Your House In Order NOW!)

🚨 Ready to Break Free from Debt and Build Elite Credit?
Get instant access to my two brand-new programs—Debt Annihilation™ and Credit Hacks™—for just $87. This early-access bundle is only available to newsletter readers and won’t be offered publicly at this price.

👉 [Click here] to grab both programs now before the window closes. Remember this is a pre-filming discount ONLY. I only have a few more videos left to make!

4. Chart of the Week

America’s $1 Trillion Credit Card Debt

U.S. credit card debt has hit an all-time high. Despite a strong job market, rising costs and inflation have pushed more households to rely on credit to stay afloat. This is well above the 2008 Great Recession numbers! - Watch out

Unfortunately, most people haven’t got an Excellent credit rating either so they are paying thousands more in interest payments than they should be…

• 51% of cardholders now carry balances monthly - OUCH!

• Gen Z has the fastest-growing credit card debt

• Delinquencies are rising, especially among subprime borrowers

This debt surge signals growing financial strain in lower and middle income households:

5. Faith & Success

The Discipline of Daily Faithfulness

“Whoever can be trusted with very little can also be trusted with much…”
– Luke 16:10

We often chase big breakthroughs—major wins, life-changing moments, overnight success. But this reminds us: greatness is built in the small, unseen actions we take daily.

Are you showing up when it’s hard? Honouring your word? Stewarding your time, money, and talents with integrity? These quiet disciplines create the foundation for larger opportunities. I know, I’m proof of it.

6. Market Overview

This week, the S&P 500 experienced significant fluctuations influenced by trade developments and economic data:​

• Monday (March 24): The S&P 500 rose, buoyed by investor optimism despite ongoing trade tensions.​

• Tuesday (March 25): The index continued its upward trend, marking its third consecutive day of gains. ​

• Wednesday (March 26): The S&P 500 broke above its 200-day moving average, giving investors hope for continued gains. However, this optimism was short-lived as the index fell back below the threshold by Wednesday, suggesting potential further weakness. ​

• Thursday (March 27): The S&P 500 declined by 0.3% to 5,693.31, as investors reacted to President Trump's announcement of 25% tariffs on imported cars, effective April 2nd. The Dow Jones Industrial Average dropped 0.4% to 42,299.70, and the Nasdaq composite fell by 0.5% to 17,804.03. ​

• I could write an entire essay on what's going on at the moment, but I don't want to make this email newsletter any longer than it already is! So because most of you are already in the Patreon anyway, I wrote a detailed post there on this topic. It explains what's going on with the stock market right now and what I see coming…

Cryptocurrency:

• Bitcoin (BTC): Currently trading at $85,278, reflecting a 2.4% decrease from the previous close. The week's intraday high reached $87,781, with a low of $85,278.​

• Ethereum (ETH): Trading at $1,909.10, down 5.9% from the previous close. The week's intraday high was $2,034.52, and the low was $1,908.29.​

• Solana (SOL): Currently at $132.80, experiencing a 4.5% decline from the previous close. The week's intraday high touched $139.82, with a low of $132.73.​

• Binance Coin (BNB): Trading at $628.22, showing a 1.0% decrease from the previous close. The week's intraday high was $641.68, and the low was $625.21.​

• XRP: Currently at $2.23, reflecting a 5.5% drop from the previous close. The week's intraday high reached $2.38, with a low of $2.23.​

Neil’s Summary: This is not a market moving on fundamentals—it’s moving on fear and headlines. Only play if you are following my lessons & principles from the stock market program

7. Join the Conversation 💬

What we’re building here doesn’t end when the video stops or the newsletter hits your inbox—that’s where it begins.

The real community strength is in the conversations that follow. Every comment you leave, every message you send, every insight you share on social media counts. It helps others to sharpen their ideas, uncover blind spots, and push the truth further into the spotlight.

Thank you once again for your continued support, thoughtful insights, and engagement. I look forward to connecting with you across platforms—YouTube, X, and beyond.

8. Limited-Time Presale – Debt Annihilation™ + Credit Hacks™ Bundle

As promised, I’ve just opened up two special programs

As a subscriber, you’re guaranteed a spot (enrolment is limited daily for social media) and you’re getting it for a lower price than social media too.

These two brand-new programs are:

Debt Annihilation: Break the Chains & Start Living!™
A fast-acting, deep-dive program designed to help you destroy ALL your debts in as fast a time as possible. (Modules 1–4 available now. Modules 5–9 release Friday, April 4th).

Credit Hacks: How To Build an EXCELLENT Credit Score, Get the Lowest Interest Rates Possible & Save Thousands
(Module 1 is available now. Modules 2–4 release April 4th. Modules 5–7 (+BONUS) release Friday, April 11th).

This is a heavily discounted pre-release offer, available for a short time only.
The objective is simple & concise:
✔️ Destroy your bad debt
✔️ Build an excellent credit rating
✔️ Once done, I will help you to protect and grow your finances for what’s coming this year

Don’t wait—this early-access pricing is only available for a limited time while final edits are completed.

Choose the right option for you below:

👉 A) Get both programs for just $87 – [LINK]
👉 B) Get Credit Hacks™ alone for just $57 – [LINK]
👉 C) Get Debt Annihilation™ alone for just $34 – [LINK]

Thank you again for your continued support. Join the thousands of students already transforming their finances - I look forward to serving you inside the course curriculum.

Stay Informed, Stay Empowered! Stay Blessed!

See you next time,

Your Friend,
Neil McCoy-Ward