 | The Road to Rediscovering America’s Identity ~ XXXVII
BORN RIGHT© - Dec 12, 2025
with Josh Allen Flowers : josh@portervillepost.com
The Great Revaluation
Last month we reclaimed the truth that value originates in God, not governments.This month we confront the battlefield where that truth will be tested: The American Home. The mortgage. The very ground under our feet.
Because if November was remembrance, and December is action, then the battlefield of December is ownership. And right now, ownership in America is an illusion for most.
A family “buys” a home, but the bank holds the title.
The bank sells the mortgage, but Wall Street slices and packages it into securities.
The securities become collateral for derivatives.
The derivatives become leverage for international monetary games.
So the house you think you own becomes just one more sacrament on the altar of Babylon’s economy.
We Don’t Own Our Land
We Rent it From The Empire
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And the empire charges interest.
This is not how America was meant to work.
Before 1913, before the Fed, before debt became the foundation of currency, mortgages were
small, local, relational, personal — a handshake economy built on honor and community.
We didn’t live in a debt economy.
We lived in a credit economy.
Credit meaning trust, credo: “I believe.”
Our homes were tied to faith, family, labor, stewardship, locality — not hedge funds and foreign
capital.
Then came the gold seizure of 1933.
Then came the 30-year mortgage.
Then came the great replacement of value with debt.
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Now ~ Something Is Shifting Again.
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Trump stands on a stage and invokes FDR — but not to repeat him.
To reverse him.
And suddenly, the 50-year mortgage appears.
People panic.
● “Longer mortgages = more debt!”
● “People will be paying forever!”
● “This is just more slavery!”
These are valid concerns — if the system stays the same.
But what if the system is changing?
What if we are witnessing the early phase of a transition away from a debt-backed system and
into a credit-backed, asset-pegged, ledger-based economy?
Not revolution — revaluation.
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To Understand The 50-year Mortgage
We Must Understand What is Being Replaced
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FDR gave the world the 30-year mortgage after confiscating gold.
He took the people’s store of value.
Then sold it back to them in the form of lifelong debt.
It was brilliant.
And it was evil.
Now Trump introduces the 50-year mortgage — and to the untrained eye, it looks like the same
trick in a new suit.
But the pattern is inverted.
● FDR dissolved real value → replaced it with debt.
● Trump appears to be dissolving debt → preparing to restore real value.
This time, the proposed foundation is not Federal Reserve debt notes...but tokenized real assets:
● Gold
● Silver
● Energy reserves
● Real property
● Commodity output
● Strategic minerals
● Even future labor value (birthright credit)
In other words—
The collateral moves from government debt → to the assets of the nation itself.
This is not inflationary.
This is re-pegging.
This is the Great Revaluation.
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And Here's Where Blockchain Enters the Story
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Tokenization is not hype.
It is digitized title law.
The restoration of provable ownership.
The mortgage, the deed, the title, the lien — those are ledgers.
Right now those ledgers are centralized, corruptible, manipulable, and reversible by the very
institutions that profit from distortion.
But place those ledgers on a blockchain — an immutable, transparent, witness-based record —
and the rules change:
● Ownership becomes demonstrable.
● Equity becomes portable.
● Collateral becomes digital.
● Value becomes liquid.
● Credit becomes real again.
This is where the Kingdom Ledger meets real-world assets.
This is where Ripple, XRP, and XRPL stop being “crypto” and become infrastructure.
Ripple provides the rails (order and interbank bridge).
XRP provides the just weight (unit of settlement).
XRPL provides the immutable book (title, proof, accountability).
Housing — the largest asset class in America — is the key that unlocks the ledger economy.
Once homes are tokenized, something extraordinary happens:
● Credit is no longer created from debt.
● Credit is created from value.
● This is the inverse of 1913.
● This is the undoing of the Moneychanger Empire.
● This is the table being overturned — again.
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So What Does the 50-yr Mortgage
Accomplish in This Framework ???
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It is a bridge instrument — not a final form.
In the old system, a longer mortgage is simply more interest paid to the bank.
In the emerging system, a longer mortgage:
● Expands cashflow
● Reduces monthly burden
● Increases household liquidity
● And enables equity to be tokenized and deployed
Not debt → slavery.
But credit → stewardship.
This is why the panicked critiques miss the point:
Credit is not debt if the asset is increasing in value and you control the equity.
If your home is tokenized, and the token is liquid, your equity is no longer trapped in the walls of
your house.
It becomes living capital.
Deployable. Transferable. Reinvestable.
● This is how a nation rebuilds the middle class.
● This is how families regain sovereignty.
● This is how we break the dependency cycle.
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The Great Reset
... ~ becomes ~ ...
The Great Revaluation
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Not a collapse — a transition.
Not a seizure — a restoration.
Not a revolution — a return.
We are witnessing:
● The end of fiat.
● The end of debt-based value.
● The end of invisible inflation theft.
And the beginning of:
● Real-world asset collateralization
● Tokenized ownership
● Ledger-based transparency
● Sovereign credit markets
● Households as value-creators again
This is not utopian.
This is pre-1913 economics with 21st-century technology.
This is The Kingdom Ledger.
No system saves a people.
Only a people aligned with truth can steward a righteous system.
If Americans do not reclaim virtue, sovereignty, and responsibility —
then any new system will simply become Babylon with better servers.
The moral law must lead the financial law.
If we restore honest money without restoring honest man —
we restore nothing.
So December calls us not only to economic action —
but to moral action.
We must:
● Teach our children value, labor, and stewardship.
● Rebuild local trust economies.
● Support families who build, not empires that extract.
● Stop worshiping convenience and rediscover discipline.
● Become the kind of people who can be trusted with ownership again.
Because the ledger of truth is rising —
And it is not simply accounting the movement of wealth.
It is accounting the movement of hearts.
We stand in the doorway.
The old house is burning.
The foundations are cracking.
The scaffolds of deceit are collapsing under their own weight.
But on the horizon, a new architecture gleams:
A nation of sovereign households.
A people who own what they build.
A currency rooted in value, not manipulation.
An economy of covenant, not coercion.
The question is not whether this change is coming.
The question is whether we will be ready.
December is the month we prepare.
For the transfer of value.
For the restoration of ownership.
For the rebuilding of America on truth.
The Kingdom Ledger is rising.
And this time—
The temple tables are not just being overturned.
They are being replaced.
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What you are not changing, you are choosing.
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BORN RIGHT© ... With Josh Allen Flowers
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