You Weren't Crazy 17 Years Ago. You Were Early.

The fixes are no secret. The trustees themselves lay out the options, from higher payroll taxes to benefit cuts.

They have ignored it for so long that simply hearing a few members of Congress acknowledge the scale of the problem now feels like progress. Acknowledging it is a long way from fixing it.

We were early. The reckoning we kept warning about has taken longer to arrive than we thought.

Early isn’t wrong. Everything that first letter described is more true today than it was in 2009. Washington could still choose to fix it, exactly as it could have back then. It simply has to want to. Seventeen years of evidence says it does not.

Your Plan B, fortunately, does not require Congress to find its courage.

That was the entire reason this company was founded.

That was the promise at the end of that first letter: while the country may be on a slide, clear thinking could still save you, "and that's where we come in."

Sovereign Man grew into Schiff Sovereign. One daily letter became a full body of research.

Every month, our co-founder James Hickman gives his in-depth view of the world in the Macro Brief, mapping where the debt, the dollar, and global events are heading. He points to specific real assets that can protect your savings – the gold, energy, and resource businesses that hold their value as the dollar slips.

It's available to members of Premium for just $9 per month.

Members of our flagship membership, Plan B Confidential, get even more.

This is the original idea the first letter was built on: do not put all your eggs in one basket. Do not hand one government the keys to your entire life. Plan B Confidential is the playbook for second citizenship so you always have another way out, foreign residency so you always have another place to live, offshore banking so your savings are not trapped in one banking system, and the legal tax strategy that lets you keep as much of your money as possible.

It is built on boots-on-the-ground research across more than 120 countries.

Because so much of the threat from a bankrupt government printing money and draining the value of your savings is financial, we have zeroed in on real assets through our investment research newsletter, Strategic Assets.

A real asset is something with worth of its own, the kind of thing people need no matter what the dollar is doing: gold as a store of value, energy, the metals that build everything. A government can print money by the trillion. It cannot print an ounce of gold or a barrel of oil. Real assets tend to hold their value, and often climb, exactly when paper money is falling apart.

For readers who want it all, we offer Total Access.

Members get everything we publish: the macro analysis, the investment research, and all the international strategies in between.

Total Access members also get the community. Other members they meet at in-person events, conferences, dinners, and most recently, small group boots-on-the-ground trips around the world.

From a superyacht along the Croatian coast to a trek through the Patagonian Andes, members explore the world together. They finally find their tribe in each other.

That is the part we could never have planned 17 years ago.

Back then, we wrote to a handful of people willing to question what everyone else accepted as obvious. You were one of them. Or you found your way here since, because you see the world through that same lens.