Yesterday the Fed hiked the interbank lending rate by 75 basis points (0.75%), which will lead to retail loan rates rising across the board. This is all part of the Fed’s attempt to reel in rising inflation, which the dishonest government claims is at around 9% but the rest of the world already understands to be closer to 20%.
Thus, raising interest rates by 0.75% isn’t going to halt inflation. Prices of food, fuel and consumer goods are going to continue to rise dramatically in the months ahead.
The rate raise, however, will cause sharp drops in the housing market, since housing is strongly dependent on mortgage loans which are highly sensitive to interest rates. Because home loans are often 30-year loans, even a small increase in loan rates can result in dramatic increases in monthly payments, pricing many people out of the homes they could afford just six months ago. The net effect will be falling home sales and decreasing values of real estate, combined with large increases in mortgage defaults.
Foreclosure starts are now up 440% year over year
According to DSnews.com’s reporting on the Black Knight Mortgage Monitor Report, us foreclosure “starts” (i.e. new foreclosures) have risen 440% from last year (June 2022 vs June 2021). July numbers aren’t yet reported, but it is near certain they will also show large increases in foreclosures.
Retail auto sales are down slightly, although much of that may be attributable to lack of supply rather than reduced demand. However, as interest rates rise, people are increasingly priced out of the automobiles they wish to purchase. As the UK Daily Mail reports, a shocking number of Americans are now paying $1,000 a month on a car loan payment:
- The percentage of people taking out new car loans and paying $1,000 in monthly payments has almost doubled from 7% to 12.7% over the last 12 months
- Average monthly payments on new car loans are at a record high of $686
- Used car market sees average monthly payments at $554, up 12% year-on-year
- Pandemic supply-chain problems are partly to blame with the shortage of new cars leading to price hikes on the forecourt
- Monthly interest payments also shot up after the Federal Reserve raised rates
Gold and silver will likely drop a bit more as people unload assets to meet margin calls in the stock market, but in the long run, precious metals look poised to skyrocket as the dollar’s real world value plunges and inflation spirals out of control.
The Fed will likely soon stop raising rates and will start lowering them, indicating a total surrender to inflation and the eventual collapse of the fiat currency
It seems likely that this will be the last rate raise of 2022, or potentially the second to last. The Fed is already indicating they plan to start lowering rates in 2023, and many financial analysts believe the Fed will almost certainly accelerate that action to late 2022 as the economic carnage in the real estate industry becomes too messy to ignore.
Ultimately, the Fed will capitulate and abandon any real goal of tackling inflation. They will keep printing money and lowering interest rates while inflation spirals out of control, leading to an end game scenario where food and fuel prices lead to nationwide riots while the dollar collapses in real world value.
On top of this, China, Russia, India and other BRICS nations are rolling out a new global reserve currency that will make the petro dollar obsolete, immediately making global dollar dominance a thing of the past. This will cause dollars to come flooding back to America as other nations dump the hyperinflated dollar and embrace the commodities-backed, gold-backed, energy-backed BRICS reserve currency. Before long, America will be a collapsed Third World nation with mass homelessness, starvation, destitution and lawlessness, with a collapsing fiat currency, a corrupt illegitimate government regime and a captured corporate media that now sees its only job as covering up the crimes of the regime in power… the same regime that holds political prisoners in jail without due process, runs depopulation vaccine propaganda campaigns and purges the military of Christians and patriots so they can unleash the military against We the People in a domestic genocidal war. (That’s what is coming if we don’t change course…)
This is when you will thank God for the preparedness activities that you pursued in advance.
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Two Storms, One Harvest
Every food crisis in living memory has been a one-shock event. The 2008 price spike was a commodity bubble. The 2020 shortages were a logistics failure. The 2022 grain scare was a war on one exporter’s ports. Each time, the system bent, adjusted, and recovered, and each time the experts assured us afterward that global markets are simply too big and too diversified to fail.
What nobody in Washington seems eager to discuss is that 2026 is shaping up to be something the modern food system has never actually faced. Two independent shocks, one climatic and one geopolitical, are converging on the same harvest cycle at the same time. Not sequentially. Simultaneously.
Start with the weather. The Pacific Ocean is currently building toward what forecasters now openly call a record event. NOAA’s Climate Prediction Center puts the odds of at least a strong El Niño near 88 percent, with roughly two in three odds it reaches “very strong” status, the tier reserved for perhaps three or four events in the entire satellite era. Every major global model now projects a median peak in Super El Niño territory, and most of them project it exceeding the 2015-16 event, which until now held the modern record. Sea surface anomalies were already brushing the super threshold in mid-July, months before these events normally peak. The atmosphere has already shifted into El Niño mode, and the event is forecast to crest in late fall and early winter.
This is not about “climate change.” It’s about the standard cycles of weather, and the cycle we’re currently in is one that has likely devastated societies in the past. We’re better prepared as a society today, but not all Americans are equally prepared.
Serious households have started doing the quiet math on their own. Grocery bills tell part of the story, and the forecast maps tell the rest, which is why long-term food storage has moved from fringe hobby to mainstream line item in the family budget, with established suppliers like Heaven’s Harvest seeing demand from people who five years ago would have rolled their eyes at the idea. That instinct is not paranoia. It is pattern recognition, and the pattern is worth walking through carefully.
Editor’s Note: Heaven’s Harvest IS a sponsor, but the warnings of this article are real and would be written even if we didn’t have a survival food sponsor. With that said, those who take advantage of what they offer can use promo code “Patriot” for 15% off.
The Fertilizer Clock Is Already Running
While the Pacific warms, the second shock has been unfolding in the Strait of Hormuz. The conflict with Iran turned the world’s most important energy chokepoint into a contested waterway, and the consequences reach far beyond the gas pump. Roughly a third of global fertilizer trade moves through Hormuz, and the disruption sent urea prices up 86 percent year over year by March, with a 53 percent jump in a single month.
The World Bank projects energy prices rising about 24 percent in 2026 and fertilizer about 31 percent. By its own accounting, fertilizer prices ran 35 percent higher in the first five months of this year than the same period last year.
Here is the mechanism the nightly news will not explain. Fertilizer is not a grocery item. It is a time-delayed input. The nitrogen a farmer in Iowa or Punjab could not afford to apply this spring does not show up as a problem this spring. It shows up as a thinner harvest six to twelve months later.
The World Bank’s own food security brief concedes that the effects of reduced applications earlier this season “are likely to become visible only later in harvest outcomes.” Translate that from institutional language into plain English and it means this. The damage is already done, it is already in the ground, and we are simply waiting for it to arrive on the shelf.
Now check the calendar. Six to twelve months from the spring planting season lands us squarely in late 2026 and early 2027. Which is precisely when the strongest El Niño in the instrumental record is forecast to peak, bringing its signature droughts to Southeast Asia, Australia, southern Africa, northern Brazil, and South Asia, the very regions that grow the world’s rice, sugar, and oilseeds.
The World Bank warns openly that a strong El Niño “could disrupt multiple crop belts simultaneously” on top of the conflict-driven input costs. Their baseline projection assumes the Middle East disruptions ease by autumn. What in the last two years of Middle East history suggests that assumption is safe?
The System Has No Slack Left
The comfortable answer is that global markets always adjust. But adjustment requires slack, and the slack is gone. Global cereal production is expected to decline from last year’s records even before El Niño does its work. The UN World Food Programme, hardly a den of right-wing preppers, is calling this the most significant disruption to its supply chains since Covid and the invasion of Ukraine, and its supply chain director put the stakes bluntly.
Today’s supply chain challenges are tomorrow’s hunger crisis.
There is also a political dimension that markets cannot price. When food gets scarce, governments do not behave like economists. They behave like politicians. Export bans, hoarding mandates, and panic buying at the national level turned the modest rice shortfall of 2008 into a global crisis, and analysts are already warning that import-dependent nations are the first dominoes.
The 2015-16 Super El Niño, a far weaker event than what is now forecast, threw tens of millions into food stress across Africa and Asia. This one is projected to be stronger, and it arrives with fertilizer already rationed by price and shipping lanes already contested by missiles.
What Joseph Knew
Scripture does not treat preparation for lean years as faithlessness. It treats it as wisdom delivered in advance to those willing to act on it.
Behold, there come seven years of great plenty throughout all the land of Egypt: And there shall arise after them seven years of famine; and all the plenty shall be forgotten in the land of Egypt.
Joseph did not respond to that warning with a hashtag or a committee. He stored grain during the years of abundance, and when the famine came, Egypt stood while its neighbors begged. The lesson is not that famine is certain. It is that the time to prepare is precisely when preparation still looks optional.
Nobody who filled a pantry in a year of plenty has ever regretted it, and nobody standing in an empty aisle has ever been glad he waited for certainty.
None of this calls for panic, and panic is the enemy of sound judgment anyway. It calls for the same unglamorous prudence our grandparents considered ordinary. Keep some cash margin, know your local growers, and put real food in deep storage while it is cheap and available, because the entire arc of this story is that cheap and available is a closing window.
Families looking for a straightforward place to start can visit Heaven’s Harvest and use promo code Patriot for 15 percent off long-term storable food. The forecasts may yet soften, the strait may yet reopen, and we should pray they do. But hope is a fine thing to hold and a foolish thing to eat.
