The "Big, Beautiful Bill": How To Protect Yourself From Massive Government Spending (and debt)

David LeBlanc
12 hours ago
4 min read

Hi there real money tribe,

This past week, the U.S. government passed what’s being called Trump’s “Big, Beautiful Bill” — a massive new stimulus package promising major infrastructure upgrades, expanded manufacturing, and government programs designed to boost the economy and create jobs for Americans.

Here are just a few of the big-ticket items:

✅ Hundreds of billions for highways, bridges, and rail — aimed at modernizing America’s aging transportation network.

✅ Billions to bring back domestic manufacturing — with big subsidies for key industries like semiconductors and automobile production.

✅ New funding for job training and community development — pitched to lift up struggling regions and help more Americans find work in these new sectors.

Sounds good on the surface, right? But here’s the catch: all of this adds hundreds of billions more to America’s national debt, which already stands at a record-shattering $35 trillion USD — and growing by the second. While these policies may end up growing the economy in the long-term which would help bring in more revenues and soften the spending blow, in the meantime the money printing will likely cause more inflation.

Meanwhile, here in Canada, our federal government just announced its own jaw-dropping spending plan: over half a trillion dollars — more than $500 billion CAD — over the next few years. That covers areas such as housing to energy transition projects, expanded social programs, and a big boost in defence spending so we can finally hit NATO’s 2% of GDP target. Sadly, with no budget yet these are just announcements without any plans or transparency about how and what our tax dollars will be used. Plus, all of this means even more borrowing and money printing stacked on top of an already massive national debt.

💸 More Debt + More Printing = Less Value for Your Dollars

When governments spend far more than they collect, they have two main options:

1️⃣ Borrow more, piling on even more debt.

2️⃣ Print more money to cover the difference.

And guess what? Both options quietly hit your wallet. More borrowing means bigger debt payments — and in the U.S., the interest on national debt has now become the biggest single government expense, even beating out defence spending.

Here in Canada, many people don’t realize that taxes are now the largest expense for the average family — bigger than their mortgage or rent. Back in the early 2000s, the average family paid about 25–30% of their income in taxes. Now, it’s closer to 35% or more, depending on where you live.

Meanwhile, wages haven’t really kept up. Housing costs have doubled, tripled — even quadrupled — in many parts of Canada since the early 2000s. Groceries, transportation, energy… it all just keeps climbing. And so many families feel like they’re falling behind, no matter how hard they work.

In the U.S., nearly 40% of families don’t even have $1,000 in savings to cover an unexpected expense — which means millions are just one surprise bill away from real hardship.

The Boiling Pot Nobody Notices

All these rising costs and the quiet loss of your dollar’s buying power due to inflation (a hidden tax) are like the frog in the pot of boiling water — the heat sneaks up slowly, it doesn't really feel it at first… until suddenly, it's cooked. Do you feel it? Maybe your grocery bill keeps creeping up, or that new pair of shoes for your kids costs way more than you remember, or maybe this summer's road trip may the last for awhile.

It’s not your imagination — it’s the real-life result of decades of overspending, endless borrowing, and more money printing. And some people wonder if all this reckless debt is even intentional — to weaken our dollar and eventually roll out Central Bank Digital Currencies (CBDCs) that give governments even more control.

Whatever the reason, this cycle doesn’t seem to be going away any time soon. There doesn't seem to be any political will to curb spending and return to the days of a balanced budget which, in Canada, we had only about 10 years ago during the Harper Conservatives.

How Gold & Silver Have Really Performed

So, what can you do?

You don’t have to just watch your savings lose buying power. One of the simplest ways to protect yourself is to own something real — like physical gold and silver. Unlike paper money, gold and silver can’t be created with a keystroke. They’re real, tangible stores of value that have protected people for centuries through debt crises, runaway inflation, and currency collapses.

And just look at what they’ve done in recent years:

Back in 2022, gold averaged around $2,344 CAD per ounce, dipping as low as $2,186 CAD and peaking near $2,635 CAD. Fast forward to today, and gold is sitting at over $4,600 CAD per ounce — nearly double in just three years. That’s about an 80% increase.

Silver’s up too — by roughly 50% in the same period — now sitting around $50 CAD per ounce.

Compare that with the stock markets:

The S&P 500 has returned about 25% (including dividends).
Canada’s TSX Composite Index has seen only around 12%.

When you look at the numbers side by side, it’s clear: gold and silver haven’t just held their value — they’ve outperformed many traditional investments during a time of high inflation and uncertainty.

✅ My Takeaway

This isn’t about get-rich-quick hype. It’s about protection. Many people aim to hold 5%–15% of their net worth in physical metals, adding ounces bit by bit over time.

What matters is having a real Precious Metals Plan that fits your life — not guesswork, not panic buying.

Now, this is not financial advice — just my insights, research, and experience. Everyone’s situation is different, so please do your own homework and talk to someone you trust if you need help.

That’s exactly why I offer my coaching — to help you build a plan you can actually stick to, so you can protect your savings, keep your privacy, and sleep better at night knowing you hold something real.