The Era of Cheap Money Is Over: Prepare for 25 Years of Higher Rates

Near-Zero Rates Were Never Normal—They Were a Lie The media keeps feeding us the delusion that near-zero interest rates are natural—some sort of economic law of the modern world. They're not. In fact, they're the distortion. A freak occurrence. An anomaly birthed by desperation and deception. From 2011 to 2022, central banks, drunk on the illusion of control, engineered a fantasy world of "free money" that encouraged reckless speculation, mass borrowing, and systemic fragility. And now the pendulum swings back—hard. A Return to Historical Reality Let’s be clear: real interest rates are returning to historical norms. Not because the Federal Reserve wants it that way—but because the system they corrupted demands it. From 1960 to 2007—before the final stages of…