Solari Report

Turtling for Cash

With Susan Luschas

“Cash is king.”

~ Colloquial phrase
Turtling for Cash with Susan Luschas
play-rounded-fill

Turtling for Cash with Susan Luschas

 
LanguageEnglish
Ladies and gentlemen, welcome to the Solari Report. I am thrilled today to have a conversation with one of my favorite people in the Solari Network. Let me introduce you. Susan Luschas from South Dakota, who is Susan. You are a force of nature. I first learned about you because you started posting on Solari is a subscriber. And you described your work in the health area, which and helping as a mom, helping your family be healthy and what you’ve done in that area is very impressive. I discovered I was not surprised to learn that you had three degrees from MIT and electrical engineering. Quite an impressive career before you decided to take time off to make sure your family was healthy. And then in the pandemic you decided in a very amazing move to literally grab your kids, leave Silicon Valley and move to the school district in the country that had the least pandemic restrictions and very impressive. And so then I got a chance to get to know you. I came up to South Dakota and we also have other mutual contacts in common. And and you started to go to work on cash and we now have a whole section at the financial Transaction freedom website called Turtling for Cash. That is really embodies all of your work. I think what you’ve accomplished to date is amazing. And so we’re here to talk about turling for cash and I have asked you to help us go through in detail. Your journey and what you’ve accomplished legislatively and in your community with cash in South Dakota. And to go through it carefully so that other people can, one, be inspired, but get a lot of ideas and materials to help them do the same. And of course, I’m very interested in this because the last thing I wanna do is wake up and find myself controlled by the financial system and have my life and how I live mandated by controls in the financial system. So you are doing amazing things for freedom. I’m unbelievably grateful to you. I’m thrilled to have the chance to go through this story with you because I’ve been there for many steps and each one is amazing. So I know you hate compliments, so I’ll stop there. Anyway, Susan, welcome to this leader report. Thank you for. Joining us to, to give us a, an education about how you’ve been turling for cash. Thanks, Catherine, and thanks for having me. I was actually inspired to work on Cash, by Financial Rebellion by you and Polly Tommy, when Polly and her wonderful accent said, cash every day. Cash every day. And so my husband and I and our family Turtled and said, okay, we’re gonna reduce our credit card usage. We’re gonna pay with cash. This is important. And there was actually a website and I can’t find it anymore. It’s down now that I think Polly Tommy had recommended where they had these little pieces of paper, why pay with cash? And so you could hand them out to people. So I threw some of those in my wallet and as I was paying with cash all around town people would get in a conversation or comment that I was using cash, and they got in a conversation, I would hand ’em this piece of paper and PE why pay with cash? And it had all these reasons. And slowly over time, I just realized. I’m setting an example for people by paying with cash and by talking to people. And this is important. And if we all pay with cash every day, we’re free. Our freedom. We have freedom. We don’t have to worry about CBDC, we don’t have to worry about transactional gold getting us, we don’t have to worry about our bank accounts being frozen, being de banked, none of that. We all pay with cash every day and refuse to comply or refuse to shop at businesses that don’t take cash. We’re free. And if I can get South Dakota to do that we only have about a million people in the state. So even if I get
10,000 or so people to do this, I mean that, that’s quite a
bit for the size of our state. They can’t do a digital control system until they get an all digital monetary system. And so they need to stop cash adaption. And if cash adaption grows, it makes it impossible to go do an all digital system. Exactly. So that’s what I’ve been doing over the last several years since you and Polly basically came up with the idea. And it’s just evolved and I’ve just literally, we’ve had some miracles and some divine with us somehow, and we just have to go with that and follow that and have faith that whatever we do is gonna, somehow in hindsight we’re gonna look back and say, we’re glad we did that. And we made a little bit of a difference. So I started planting seeds back in 2023 with Halloween these little pieces of paper that I was carrying in my wallet when I was paying with cash, I realized, wait a minute, I can tape those to the back of a dollar bill and give them out at Halloween. We have weather here in South Dakota, so depending on the weather, I have between 102 hundred kids that come to my house every year knocking on my door on Halloween. And so I thought I’ll just back roll tape these stickers to the back of these dollar bills. I’ll hand ’em out at Halloween. So can I just interrupt for a second? This means you don’t give kids sugar. Exactly. Which is also very good. Yeah, exactly. So I then I realized, I need a costume and a theme. The cash is the theme ’cause I’m gonna hand out these dollar bills. So I made a cash costume out of an old Amazon box and some dollars and $5 and $10 bills that I just printed off the internet on my printer and glued onto this cardboard box and wore with straps around my shoulders. So it became my cash costume. And then I ordered a king hat and that cost me like five bucks. So I made this really cheap cash is king costume and then I took my kayak. ’cause we live really close to the big Sioux River here in South Dakota. So I took my kayak and I flipped it over, which gave me a big white surface to write on. And I wrote Cashs King, and then I put my kayak in front of my house with a spotlight. So when people would come up for Halloween, they’d see cash is king on, written on the big, on the bottom of my kayak. And then they come, they were confused by that the first year. Now they know we’re the cash house. So now everybody knows and they line up and stuff like that. But they were confused by that. Then I open the door with my cash is king costume, and then I give ’em a dollar bill with a sticker, or now it’s a sticker. It used to be a Backroll tape, piece of paper dollar bill. And I’d say to them, pay with cash, not credit. And these little five-year-olds would go back to their moms and say, mommy, pay with cash, not credit. Look. And they got a dollar bill. And they were so excited. And it, it was interesting in that first year I got a random message from a random parent that I don’t know saying, thank you so much for doing this. This was great. And it was just one person that sent me that email and I thought, okay, we’re gonna keep doing this. It’s making a difference. And the kids like the cash, they like getting cash. It’s something different. And overall, I think they liked it. And then the other thing I did is if they were older, say fifth grade or over, I gave them an extra dollar bill if they could name for me, the presidents that were on various bills. Wow. So if they could tell me who was on the dollar bill or the $5 bill or the $10 bill, they would get an extra dollar. And a lot of times those teenagers would come in groups of three or four. So I’d ask one of them $5, one of them, the $10, one of them $20, and then they get $2 instead of $1. So that was pretty popular as well. And then the first year I think I ended up running out a dollars, ’cause the word got around. So the line in my driveway got really long and I started giving out quarters. Because that was what I had and any change I had in my wallet. So now I get a whole stack of dollar bills from the bank and now I do that. So that was the first year of cash dollar bills at Halloween. And then this Halloween I added to that constitution. So if the child was fi fifth grade or over, they also got a constitution with their dollar bill. And then the other thing I did is I started doing the same thing at Easter. So I would take the Easter eggs and put in a dollar bill or a quarter whatever, and put that little piece of paper in there. Why pay with cash? And I always host, we always host the neighborhood Easter egg hunt. And done that for over a decade. And so we just started stuffing our Easter eggs with the little cash pieces of paper and a dollar bill or a quarter. This worked out really great because we’ve always had the problem of the older kids steal all the easy eggs from the younger kids. The ones that are just lying in the front lawn. They won’t search necessarily for the harder eggs that are up in a tree or in a bush. So I told the older kids there is a magic egg with a $5 bill in it. And so you guys better leave those easy eggs and search for the hard eggs because that’s where the $5 bill is and you can’t believe how well that works actually when you’re hosting a neighborhood. Group of 10 to 20 kids, it actually works really well ’cause they’re all looking for that $5 bill. Anyway, so I do it twice a year, Halloween and Easter. With the kids, it’s incredibly effective ’cause they go back and tell their parents and it just affects the whole family. So I’ve found that’s pretty effective then. So I’ve been doing that for a couple years and then August 20, 24 hit and our school district announced this cashless ticketing system. So you had to pay with a smartphone, QR code or a credit. Later they added a credit card. Because of our pushback, they added a credit card to get into any school event. So football, any sporting event, volleyball, band, concerts, theater shows, any school event you had, you couldn’t pay with cash. And I can tell you I did not want to deal with this issue. I had a lot of things at work. I had a lot of things at home. I did not wanna deal with this issue, but cash is my issue and I have to put my money where my mouth is. And so I said, okay, it’s time to stand up for this. We can’t just not say anything and we’re not gonna comply, which means we’re not gonna go to any of our kids’ volleyball games, band events, et cetera. And here in South Dakota, all the parents go to all the things. So I said, okay, it’s time to stand up. I prayed about it, I said, I do not wanna do this right now. And it was just basically came down to me that I gotta stand up. Okay. We’re here today from Let the UK Live. Let London Live, and a whole lot of other groups in Aldi shop and go Greenage. Are insisting on nobody. Nobody can buy anything here unless they’ve got download an app and join a digital currency regime. I’ve attempted to buy some res and they will not accept cash. These places must be closed down because if we don’t close them down, they’ll come all over England and UK and the world and then we will not be able to have our freedom with cash. So get in touch. Keep cash. Keep cash keep cash and resist. Define, do not comply. So we stood up. And my goal with standing up, I wanna talk a little bit about my mindset because my mindset with standing up was, I’m gonna stand up, I’m gonna take the punches, and I’m. My goal is to get the word cash out there. So every time I get a school administrator, an athletic director, a parent, a grandparent, talking about the cashless ticketing system, talking about cash, saying the word cash, I won. Every time I get a newspaper article, a post, and anything about cash, I’ve won, whether it’s positive or negative, that was my mindset. I’m trying to raise awareness about cash, get people talking about cash, and I’m gonna just keep trying to do that. So those were my goals. So the first thing we did is I organized some people. We went to two school board meetings, the Sioux Falls School Board, which is the largest school district in the state. That’s where my kids attend school. We were allowed three speakers. We showed up with three speakers. We gave handouts with statistics. We used our full time. I had another solari subscriber show up with me to that school board meeting. And we, the school board ignored us, but the good thing about it was we got two mainstream newspaper articles about that, talking about cash. Perfect. So they were against us, but we got cash in the newspaper and two na mainstream newspapers. Then we went to my local town school board meeting and I had showed up with someone else with me and the school board said they agree with us. The student superintendent agreed with us and said, as long as cash is legal tender, they will continue to accept it in that school district. So they were totally with us. It’s a smaller town outside of Sioux Falls and the
the thing was though, that even people from that town that have to
play it in away, game away volleyball game, for example, they still are subject to the cashless ticketing policy in that other school district.
Even though that town for home games takes cash for away games, those school
districts may or may not take cash. So what, and also I should mention what happened was Sioux Falls is the largest district in the state. They decided this and they basically bullied the surrounding towns to do the same thing. And they said, if you don’t do it too, you won’t be compliant with us. And people would get confused about how, where, and to get their tickets and people won’t show up with cash. And so they basically bullied surrounding towns. So it was just, I guess three or four school districts that went cashless. But the problem is all the schools across the state that travel here to play, they’re subject to that policy. So in a way, this was good advertising for us because people coming from five hours away were subject to this policy and could feel it even if it wasn’t implemented in their hometown. So that was actually really good publicity for cash. Could you calculate how much. Because sports has been the real place where they’re really trying to force out cash. So whether it’s high school sports, college sports, or professional sports, that’s a very important vector to go to an all digital system. But what it means is there’s a lot more expenses. So you’ve got the provi, the electronic or FinTech providers, and then you’ve got the credit cards. Were you able to calculate how much it was costing the school districts to implement these kinds of complex systems? Yeah, we were, they wouldn’t tell us, the school district wouldn’t tell us what the contract was. But we were able to back calculate it from some numbers that they let slip out for various events where they made. So they, what they did is they didn’t tell you make you pay the fee. They just ate the fee. The school district ate the fee, so you couldn’t see what it was. And they wouldn’t tell us what it was, but we were, they let some fees slip out on accident and we were able to back calculate from that. So some of the fees were about 7% and some were 22%. I would say that. Whoa. The average. Whoa. Yeah, the average was about 15, 16% of our ticket sale. Of the $6, for example, to go to a volleyball game. On average about 15 to 16% of that was going back to that digital provider, which includes the credit card fee and the whatever, all the fees. And when I talked to someone at a private school district who also went cashless, one of these private schools, they said it was between 15 and 20% at their private school. So that’s pretty cons. Pretty consistent with my back calculations, I would say. So the fees are incredibly high, but they’re, the school district is hiding them. From the parents, basically. And why would they be willing to sacrifice that much money to go all digital?
You want the official reasons or you want the real reasons?
Both. I want both. Okay. So I think the official reasons that they say it’s more convenient. They say that you get in faster to your football game. Personally, I don’t think that’s true because a lot of times the QR code doesn’t scan or the, it’s technology problems. Someone’s having trouble with their phone, someone’s having trouble with the scanner. So that hasn’t been the case. There. Say it’s reduced staff, so you need fewer staff there to handle cash. I haven’t seen that either. We have the exact same number of people taking tickets here at football and volleyball games. So I haven’t seen that actually be implemented. And I see. So I don’t see any of those reasons being valid, but those are the main reasons that they officially say. I think on the unofficial side, there are two reasons. One reason is I have some evidence that the private company that’s based outta state, that does our ticketing system here had a whole webpage devoted to South Dakota Athletic Director of the Year, which by the way, was the Sioux Falls guy who made this decision. So that guy in Sioux Falls that made that, so if you think about it from the private company standpoint, all you gotta do is buy the guy at the largest school district in the state. And then what they did is they made it, they were stupid enough to make a webpage and promote this guy. So who do you think got the kickback? Probably that guy. And it makes sense. If you wanna buy the whole state, you buy the largest school district in the state, then everybody that comes to play at that school district has to use your app. And then they think it’s convenient or they get bullied into it too, or bribed. And so then they do it in their school district. So I think they bought that guy. That’s my conjecture. I have minimal proof. The only proof I have is I can show you the website, which they’ve now deleted since I’ve gone public about it. They’ve now deleted it showing highlighting that guy from Sioux Falls. The second reason I think they do it is for discipline. And there was a newspaper article out of Wisconsin, the school district in w Wisconsin that did this, and they admitted it that they were doing it for discipline. So there are two discipline things. If you can keep, who are you keeping out by not accepting cash, you’re mostly keeping out the low income kids and the minorities. The statistics show us that we can talk about that in a minute. So if you keep out those low income kids and minority kids, you are less likely to have discipline problems and fights at your football game. And they’ve admitted that in Wisconsin. If you look at the privacy policy of the company that we have doing our cashless ticketing, it says in there that they can automatically report attendance of who’s at that football game to police all school officials, all parents in involved in the booster club, et cetera, without permission, without getting your permission. So first you keep those kids out, and second of all, if those kids do show up, you know that the police knows that and they can send extra police to police those kids. So I think it’s partially also a discipline problem that they’re trying to solve with this. But also that data’s very valuable if you have data from many games all across the state as to who’s showing up and who’s interested in sports. That data is worth a lot of money to different companies that are marketing sports or products through sports. Are they free to sell that data? What can they do with that data?
I didn’t see, I read the whole privacy policy.
I didn’t see anything about them selling the data. What I did see was it’s automatically basically reported to police, all school administrators and all parent booster club members. Now, if you consider my school and the parent booster club has about, gosh, we must have 500 parents in the booster club. So at that point, it’s pretty much public information. Who’s at the game if those parents are even getting the information or if they request the information? If you have a parent that wants to request the information and sell it. I think that’s probably valid right now, whether anybody’s doing that or not, I don’t know.
Wow.
Okay. So I wanna go back quick to the school board meeting in my local town. So one interesting outcome we had of that was unexpected was that a reporter talked to me afterwards and one of my talking points for accepting cash at school events is that now you’re requiring kids to show up to a football game with their smartphone, with their QR code on it, or they have to show up with their parents’ credit card and who knows what they’re gonna buy at the concession stand and the gas station along the way. Okay, so you have, so now you’re requiring kids to basically show up with their smartphones, with their QR codes because the parents don’t wanna give them a credit card. So why are we encouraging kids to be on their smartphones? Why are we encouraging kids to have smartphones? The guy, the reporter looked at me and he could not, so he called me after, or he talked to me after the meeting. He could not understand why this was a problem giving your kids a smartphone. So I told him, look, I built this technology in Silicon Valley back in 2003 to 2005. I built some of the first wifi Bluetooth and cell phone chips. I said, this, your cell phone is mind controlling your kids and spying on them and addicting them and making them unhealthy and all these things. So he just, he couldn’t even speak back to me. He was in such shock about this. I need to just interrupt for a second. I just saw a presentation yesterday by someone who has a very successful podcast with Scott Galloway and. He’s 26 years old and he says, so he considers himself Gen Z, and he said, on average Gen Z send spends the equivalent of approximately a hundred days a year sleeping and approximately 109 days a year on their phone. And that means they have 40% less time than my generation had for life. In other words, if you look at how much time they have after they spend 109 days on the phone they don’t have time as much time to run around in the woods or do things with friends. It’s astonishing. So it’s the greatest argument I ever heard for why you don’t want your kids to have smartphones. And he says the push to get them out of schools is accelerating across the country. Yeah. Yep. So this reporter. Couldn’t believe that I was against smartphones and that I didn’t give my kids smartphones. My kids have phones, but they don’t have any apps and all they can do is call and text. And he was in sh such shock that someone would do this, that he went off on his own and wrote a whole newspaper article about researching banning schools in banning phones in schools, which our school district locally does not have a ban on phones in schools. So he wrote a whole article about that, which prompted me and my husband to write a letter to the editor back to him in the paper, in the local paper. So us going to talk about cash at the school board ended up in this whole local paper discussion about phones in schools, which was a great discussion to have. And then another random parent reached out and sent me a random email parent I’d never met before. Now I’ve met him, he’s great, but I had never met him. And he said, thank you so much for writing that letter to the editor. I’m with you. It’s an uphill battle. Let’s keep working on it. And I was just like, okay, I guess we’re doing the right thing still. We’re sticking our necks out and it’s not comfortable to stick your neck out in a small town. But that one email just made me think, okay we’re on the right track. We’re doing the right thing. So that was an unexpected outcome of that school board meeting. So after all the school board meetings, the next step was we handed out dollar bills outside of football games. And let me tell you, it was terrible for me. I hated that. I hate standing there on the side of the road and I was even handing out cash. It’s better than protesting something without handing out cash. But in South Dakota it’s hard because people just live in little house on the prairie world and they don’t think anything’s wrong. And a lot of them don’t understand what the problem is with cashless society. And let me tell you, it was hard. But it was such a blessing. I’m so glad we did it in hindsight because we found our people, we had people to help us.
We we just found our people.
And let me talk a little bit about how we found our people. So before we went to the football games, I made a flyer. It was called Refuse to Comply. I actually had someone I knew from the Solari Network do the graphic editing on it because I’m terrible at that. They did a fantastic job on that Refuse to Comply flyer. And I posted that on social media, on Facebook. Everything here is on Facebook. I hate it, but that’s how South Dakota operates. So I posted it on Facebook. They refused to comply and I cannot tell you in my local town, I got tons of support. People were totally with me. They said, we’re always gonna pay cash at games. We’re all with you. We’re gonna pay cash. But in, in the school district where my kids attend in Sioux Falls, in the biggest district in the state, all I got was hate. It was terrible. People attacked me, attacked my kids, attacked our character, our ethics, and I just said, okay, I’m gonna respond very professionally, very nicely, very kindly. Invite these people over for dinner. That’s just how I went with it. The nicer I was, the meaner they got and it just, that post on Facebook just went viral because of all the comments. And most of them were hate. It was almost all hate. In fact, it was by the end, and they just kept on with me and my kids and everything. It was so terrible and I couldn’t keep up with it. I finally just stopped responding. I’m like, I, this is too much. I can’t respond to all this. And I don’t know what else to say. And they don’t wanna, if they wanna comply, let them comply. I’ve said what I’m gonna do, and I stuck my neck out. It turns out that hate was one of the best things that could have happened to me because the hate. The hate got me a speaking engagement at a local group and I said, sure, you want, you wanna hear about this? And I thought, okay, they can throw tomatoes, whatever. I don’t know this group very well, but I’ll go speech speak. I thought they were on my side, but I wasn’t a hundred percent sure. I just said, I’ll talk to anybody about cash that wants to talk to me. So I showed up at this group to talk because of all this hate on Facebook. And I brought handouts, I brought the flyer, I brought all the things, I brought dollar bills, I gave everybody cash. And there they just loved it. They were on my side. They got it. They understood it. I don’t know. Somehow I was gifted the words to say that these people would understand it. And there was a cowboy pastor there. I didn’t even know we had a cowboy pastor. Of course we do in South Dakota, but I didn’t know at the time. And the cowboy pastor said, oh my gosh, you need to come talk to these other groups. So he introduced me and got me connections at other groups. And from there I talked to other groups and it just went on. And before you know it, I was on a cash speaking tour because of this hate I got on Facebook, so it was amazing. I talked to Republicans, I talked to Democrats, I talked to moms groups. I talked to anybody that would talk to me about cash. I went and spoke and I took dollar bills and I took flyers and I answered questions. And I, sometimes I had videos or made little presentation or whatever. I just did every invitation that I got. And the other thing that hate on Facebook got me is it got me the news crew at my house the next day, and they showed up with a video camera and I did an hour interview. We ended up being the head story on the nightly news, and the school district refused to respond. Of course, ’cause they, so they just gave some quotes from the school district. So almost the whole video was just a video of me talking about cash on the nightly news. Top story, your first alert station. Good evening. I’m Andrea Anderson. At the end of July, the Sioux Falls school district announced it would be moving to cashless entry for all sporting and fine arts events within the district. This policy is now seeing backlash from some concerned parents. Hannah Ewell is telling us why in tonight’s top story. Andrea, since the announcement of cashless events, other schools have followed suit such as T Harrisburg, O Gorman, and Brandon Valley. One of those speaking out is Susan Lu Shaws. She’s the parent of a senior and freshman at Lincoln High School. Neither of her children having a smartphone or credit card. Susan says the new policy singles her family out. The Sioux Falls School District said in a statement, we understand that not everyone may have access to digital devices or credit cards, and we are committed to ensuring equal access for all event goers, but for concerned parents. Susan, this isn’t the case, that this policy just discriminates against low income people, against elderly people. I grew up low income. I understand it. Sometimes a low income family doesn’t know until Friday afternoon if they have enough. Money left from their paycheck to send their kid to the football game that night. Susan says she plans to stand outside and give attendance the cash she said she would’ve used to pay for the event. All of it will be free with a message attached. Why pay with cash at events? Number one, to give your school more money with no transaction fees. Number two, to support low income, elderly and students making a healthy choice not to have credit cards and smartphones. Number three, so your location isn’t tracked via QR code. And number four, cash is legal, tender and ensures our financial freedom. So at that point I really stuck my neck out. My kids had their neck stuck out and things just went on from there.
The, so then we gave out.
So from all these speaking engagements, I ended up with a group of people that would help me at football games. And my goal was. I realized how much hate there was. So I tried to keep the bullseye on me and my family because we already stuck our necks out. So every time there was something to do, give out dollar bills at football games or come testify to school board or come testify at the legislature, I always tried to take different people with me. I always tried to keep the bullseye on myself. And so at football games, we had a couple solari subscribers who came out and helped. We, I had a bunch of people from those speaking engagements from various groups that came out and helped. I had different people at every game. We gave out the dollar bills on the street. We raised some awareness. There was a lot of people that just in South Dakota did not know what to do with a protestor did not even take the cash. And then there were other people that took the cash and they’re like, we’re with you, but we don’t wanna miss Johnny’s football game. So what do we do? So I just have to interrupt and say, when I started talking to people about cash, the first, they would go, it’s not convenient or you know what, but they and they would start to think about it, and then it would, it could take as much as a year or two, but they would really turn around because they started to realize, oh, I don’t wanna be controlled and if I keep cash alive, it’s gonna be harder to control me. And suddenly, so you had to plant these seeds, but it would they could really mature in time. Were you seeing that? Yes, I was plant, I felt like I was planting a lot of those initial seeds, and talking about the digital control grid. And because I’m from Silicon Valley, because I’ve built a lot of this technology and I really understand it, people tend to take me a little more seriously about the control grid part of it. But I still feel like I’m planting a seed. They need to hear it over and over, which was why my goal for on this from the beginning was to get people talking about cash. Cash in the newspaper, cash on the nightly news. The more they hear the word cash. The more it sinks into their brains and they think about it. I think the control grid element it takes a few seeds and waterings of those seeds to get people to understand that. And I’m not a hundred percent sure in South Dakota that could take a while to, to get those to grow. Like you said, years. I started by the end I had the same issue where people would say it’s so inconvenient, it’s more convenient to just use my credit card and I get miles or I get cash back on my credit card. And I finally just started being a real jerk about that. And I just said, you know what if I can just talk about some of the statistics quick I’ll explain what I tell them. So I looked at some statistics from the Federal Reserve and it showed us that in 2022, about 18% of all payments are made with cash. 18% of all payments are cash payments in 2022. And then on the Federal Reserve Web website as well in 2023, if you look at the credit card, they have a table about who has a credit card and who doesn’t. And you’ll find that low income families with less than $25,000 a year in income, 54% of them don’t have a credit card. Okay? So a lot of low income families don’t have a credit card, which kind of makes sense. And the overall per a lot of people by the if you look at the same table, a lot of young people don’t have a credit card, which makes sense. And many of the people without a credit card, 30% of blacks don’t have a credit card. 26% of Hispanics don’t have a credit card, and 31% of people with a disability don’t have a credit card. So the overall percentage of people without a credit card are 18%. So let’s think about this. 18% of all payments are made with cash and 18% of people don’t have a credit card. So the people that are using credit cash are the ones without a credit card. Now, who are the people without a credit card? I just said they’re low income people, young people, black and Hispanic people, and people with a disability so that the low income minorities with disabilities are keeping our freedom alive. Not us. Not us, but the people that are low income with disabilities and are minorities, they’re keeping our freedom alive. ’cause they’re the 18% of people without a credit card who are using cash. So those of us with the, let me finish. So those of us with a credit card are using our credit cards. So every time you use your credit card and you’re getting your miles and you’re getting your cash back, who’s paying for that? The low income minorities with a disability. So you’re using your credit card so you can get your miles and your cash back. Meanwhile, you donate to a charity for low income people. Why don’t y’all just use cash? Great. And that’s your charity for low income people because they’re the ones who are paying for your mi your miles and your cash back. So let’s stop praying off of low income people. And I know I’m a jerk when I say that, but sometimes when I say that, they start to think, oh yeah, my, my vacation miles are being paid by low income minorities. So I live in a community with, so I, it’s a very low if you look at our per capita income we’re relatively low. And I’ve been for years, lining up at the post office to get money orders with a lot of my fellow my neighbors who fit the profiles you’re describing. And what’s interesting is many of them don’t have a bank account. They’ll stop off at the utility to pay with cash, or they’ll use money orders if they put it in the mail. If they don’t want a bank account and they don’t want to use checks or a credit card because they want privacy and they’re not, they could get a bank account if they wanted. They could pay with a check or they could pay with a credit card. They want privacy and they know the power of that kind of privacy. And and some of them are doing it because they’re smart and they are, they’re protecting our freedom and it’s time we join them. Exactly. They know. Exactly. And I feel like my time is better spent paying with cash and inspiring others to pay with cash all the time than it is to even run for the state legislature. If we all pay with cash all the time, we’re free and the legislature can be bought out and the feds can be bought out and everyone can be bought out. As long as we refuse to comply and pay with cash we’re free.
And that.
So I think that’s where my time is best spent.
I’m with you.
Keep going. Okay. So we did the football games handing out the dollar bill that also allowed us to assess the market. So basically in hindsight, we really assessed the market that in Sioux Falls, there are a lot of people with us, but they don’t wanna speak out. They don’t like protestors, they don’t, they like everyone to comply in Sioux Falls. But in our local town, our smaller town we had 90% support there. So that helped us later when we were trying to find a spons, when I was thinking about a sponsor for cash bills for legislation, that helped us figure out, okay, who do we want to sponsor it? Who’s not gonna have a pushback at the next election? Right? Which is why, part of the reason I chose my local legislator here in the smaller town cause he’s not, he’s got huge support here for it. So the football games, handing out $800 in football outside of football games was painful at the time, but in hindsight, I’m glad we did it. The other thing I did is I handed out flyers and dollar bills outside of a school band event at my school. So a couple hundred kids in the band, and I started handing it out. This was initially when it first got announced, like literally a week within a week of when it got announced, I was on it, just said, okay, it’s, I gotta drop everything. I gotta do this now. Now is the time, because once everybody complies and gets used to it, it’s gonna be really hard. So I was at the band event, it was terrible. I hated it. I was in my cash costume. I was giving out dollar bills to all these kids that are my friends of my kid they all know my kid’s a freshman trying to fit in the band. It was really terrible. But luckily the administration didn’t know what to do with me. They never had a protestor let alone one handing out dollar bills. So they had to make some phone calls. So that gave me time to give out flyers and dollar bills. And I got quite a few given out before they moved me to the street. So it was terrible, but I did it. And I raised some initial awareness with that. So some of the things I did weren’t wildly successful, but and painful for me at least for my personality.
So some, there were very few families that did not comply.
There was my family, there was one other very strong family that stood with us and almost everybody else complied. Even some of the people that were at some of those groups I talked to or led some of the groups I talked to, they just said I can’t miss Johnny’s football game or sally’s volleyball game. And again, I started being a jerk about that and telling groups missing one football game is like poking you in the arm. Now I tell you, if you don’t, transgender Johnny into Jane or I’ll freeze your bank account, that’s all digital and all your credit cards and everything else. Now what are you gonna do? Exactly. That’s cutting off your head. You not attending one of Johnny’s football games is like a poke in the arm. But when now I tell you to transgender your kids or I freeze all your digital accounts, what are you gonna do? And the transgender issue works very well in South Dakota. So that was a good example. I lucked out with that one. So here’s the thing, it’s hard for people to imagine that could happen, but I absolutely believe it will happen if they get financial transaction control.
Can they fathom that?
I not really, because we live in Little House on the Prairie here, literally, which is great. Life is good. We don’t have many low income people in this state. Everybody’s, we have a very solid middle class in this state. Right now it’s very hard to get people to understand because they hardly know anybody that’s been Deb banked or that’s had those kind, right? So I’ve told people that I have been de banked and I’m from Silicon Valley, so I’m a little bit of a different story and people have, I don’t like to talk about it. But people have pressured me into telling that story. And when I tell the story, people tend to get it. So I use the Canadian truckers, and you’re not that far from Canada.
Do they realize what happened to the Canadian truckers
and it could happen to them. Trudeau in Canada, they’re having some problems with protestors these days. There is a covid protest going on in Ottawa going on in Canada. What caught my attention is not necessarily that protest, but on the back of this, there is now a mandate from Trudeau and those in power in Canada to freeze protestors. Bank accounts absolutely ridiculous. This is que, this is qual freedom of speech. They are freezing bank accounts to people that are expressing speech banks will be able to freeze personal accounts of anyone linked with the protest. Anyone linked with the protest freeze your personal bank account. Okay? And the take is this time, it’s their protest. Maybe you’re not protesting, maybe you don’t care about this. Next time it’s yours. What if next time it’s about like runaway inflation. Government shouldn’t be able to freeze people’s bank accounts without a court order, without due process. The government is using the banking system to silence political dissent that should not be happening ever. Some a small set of them do. So I went to the Canadian truckers came through Sioux Falls. I went and supported them and I gave them cash because I didn’t want my bank account frozen again.
But if I look at who was there supporting them, it was a very small group of
people, and I think a lot of the other people weren’t aware of it and didn’t even know they came through Sioux Falls. I don’t think word got out as much as it probably should have here, right? But so that story does work with some people here, but not. Not everybody.
We did have, as I said, people don’t like to protest here.
So we did have a lot of people just secretly coming up to us and telling us telling us that they supported us. And there was a lot of secret here’s 20 bucks behind the scenes, but don’t tell anybody that I’m helping you. So we had a lot of that going on along the way. So the next step was we still didn’t have, we still had cashless ticketing at the largest school district in the state. We had my family and some others, and some low income people. The few that we have sitting outside or being denied entry into games and events. But still not a majority of people that weren’t complying. The majority of people were still complying and there were still very few of us not complying. So at that point, I wrote two bills for the legislature. I realized after you were here and we met with legislators that a lot of lobbyists write their bills for them. They don’t have time. They have full-time jobs. They don’t have time to draft their own bills. So I just said, okay, I’m gonna draft these bills and then I’ll find a sponsor. And so I drafted, I actually only drafted one bill. I drafted one bill for school events, so requiring schools to take cash for school events. The way I did it is I looked online, I saw Ohio had something, and North Carolina had something. I basically copied off them. Ohio made a mistake. They did not include the playoff season the way they wrote their bill. So I made sure our bill was written to include the playoff season. Playoff games have to take cash as well as regular season games. So I wrote the bill and then I decided that I should go for a sponsor in my district because we have huge support for it here, and we are affected by it because we do play a lot of games in Sioux Falls. So my local representative. Supported it and sponsored it. He’s great. But from the beginning, I never expected that bill to pass. I said, there’s no way we’re gonna get this to pass, because I just looked at all the hate I got on Facebook. The, I’m fighting against the largest school district in the state, which is the district my kids attend. I just had, I had no hope for the legislation to be passed, but I said, you know what? Every time if we go to the state legislature with this bill, they have to consider it. And that means legislators from all over the state are gonna talk about cash, and they’re gonna hear about cash. And they may not have this policy in their district, but it gets them thinking about it. It gets them aware of it. And we’re planting seeds all over the state just by taking a bill to the legislature. And maybe if we’re lucky, we’ll get another newspaper article. That was my goal. That was my mindset. So every time they say the word cash in the legislature, I tally that as a win. Every time there’s a newspaper article, even if it’s against us and it says cash in the title, I tally that as a win. So that was my goal going in. I never thought we would get the bill passed. So my local legislator said he wanted an additional bill. He wanted our bill, he wanted a couple things. He wanted this bill to include Board of Regents, which is the colleges, and he wanted it to include concessions. So I said, all right, if that’s what you want, I’m here to support you. That’s what we’re gonna do. So we, I added those to my bill and then he wanted a separate bill for retail. And I said, okay, if you wanted, if you think you can do that, let’s do it. So I wrote that bill too. Based on other states that have passed cash at retail bills that sort of evolved over time. So after I wrote the bill, then they go to LRC, which is Legislative Research Council in South Dakota, and they are basically the research analysts, the legislative analysts and lawyers. Look over the bill and make sure it’s okay. Usually they draft the bill for the legislator and then it goes back and forth and the legislator has to sit in their office and spend lots of time like, no, that’s not what I wanted. That’s not what I meant. In our case, we had them drafted, so all they had to do was edit. And that’s basically what they did. They edited. So then we, I said to my local legislator, I said, okay, you’re gonna sponsor these. You’re gonna stick your neck out. What can we do to support you? What do you want? And he said, I want you to give me five testifiers. I want you to do five minutes each, and I want you to show up in person. And this is during a workday. I said, all right, we’re gonna somehow get that done. So luckily from the speaking engagements, the solari, we had a Solari subscriber come, we were able to put together five testifiers from different districts across the state. To come in person, take a day off work and testify. We did raise some research. We had some handouts with some statistics and we had talking points divided. We were organized and we went and testified for both bills. Luckily we got both bills on the same day. We got the retail bill and the school events. Bill testified on the same day, and I can tell you I definitely made some mistakes there. I should have listened to how other bills go in the legislature. I should have listened to paid, I should have gone up there in advance and seen how this whole thing works. ’cause we just walked in blind. We were all new. We had never, none of us that showed up. We were all new faces. We had never been to the legislature before, which I thought would work in our favor because we’re literally average citizens. We’re not lobbyists, we’re not people that are up there all the time. We’re not people they’ve seen before. But in hindsight, I probably should have gone up before and seen how these things work and how the talking points go. Because I thought we had great talking points, but I wasn’t prepared for the lobbyists who just made up lives. I had no idea that was coming. I I just had no idea. So one good example of that was the lobbyist who said, we never even told the school board about it. They had no idea. Meanwhile, I had a front page newspaper headline from back a few months ago when we went to the school board meeting. So I had proof of that, but I didn’t bring the proof because I didn’t think they would lie about that. So there were just all kinds of lobbyist lies and things. So in hindsight, I definitely would’ve listened to the lobbyist how they approach things and how they lie and brought more proof with me in hindsight. But, so to summarize how the bills went. We squeaked by on the cash at school events. We got that through committee. I think the vote was eight to seven and the cash at retail failed spectacularly. And that bill should have passed committee. We had a friendly committee. We had a lot of friends on that committee and we just were not well prepared with our arguments. I think South Dakota does not like to regulate businesses, right? And they did not see a reason. What they wanted to hear was, Johnny can’t buy groceries because he doesn’t have a credit card, but we’re not at the point yet with cashless grocery stores. They really wanna see a need for it. They wanna see that. And we don’t have any low income people in South Dakota and we don’t have any grocery stores that aren’t taking cash right now. So the, they wanted to know who’s not taking cash in South Dakota. And so what I could say is certain event venues, concessions school football games and school events, and a car wash and a couple of restaurants, that’s it. So their answer was don’t shop at those places. And it’s I don’t, but this is coming and we’re getting more and more. And so our friends on the committee for a commerce committee where a retail build failed, they all said they, or a bunch of them said they wanted to see it brought back. They liked the topic, they wanted to see it brought back. So I’m not sure if we’re gonna bring it back or in what format we’re gonna bring it back. I don’t think the no sales tax on cash purchases under a hundred. We loaded that too. I, the fiscal note on that is just gonna be tough to get right. So I have some other ideas. We’ll talk about those at the end. But anyway, so I’m gonna go back to the school events bill. We got it through the committee, barely. Then we went to the house floor on the school events bill. And we won 34 to 32, but you need 36 to pass. So we didn’t pass, but we won the vote. So then that was a Friday. So then over the weekend we heard that at least one vote wanted to flip. And so we decided to reconsider on Monday. So there were all these flurry of newspaper articles because it was a close vote. All these newspaper articles over the weekend, cash. And they’re gonna reconsider all this drama. I can’t even read the newspaper articles because they’re mostly against us, but hey, we’re getting the word cash in the newspaper that got drawn out over the whole weekend. They reconsidered Monday. We got 35 to 33, I think we flipped three votes and they flipped three votes. Plus we, I don’t know, they flipped four, we flipped three plus we got one. I don’t know. So a bunch of them flipped, but they flipped some. So we got, we won 35 to 33, but you need 36 to pass. So again, we lost and at that point we were dead with this cash at school events bill. So I notice that the other thing to note is that we have 70 people in the house, so it should have been 70 votes, but a few of them were missing because of various things. ’cause no one went to the federal government and so forth. So there were two seats missing anyway. Okay. So at that point we were dead and I just told our representative, we still had time to reintroduce the bill if we want. He wanted to. And I just left it to him and prayed about it. I just said, you know what? We’ve gotten a lot of newspaper articles. We’ve gotten a lot of talk about cash because the committee testimony, then it went through the house. Then we had the whole weekend and people were talking about it and then a re-vote on Monday. We got a lot of press on cash, so we won. Okay. We won in my mind and I told them, if you wanna reintroduce the bill, we’ll support you. We’ll show up with new people to testify. We’ll try again. If you don’t think it should go we can do it next year or just drop it or whatever you wanna do. By the way, I forgot to mention that to the final vote, we had to drop concessions. We dropped concessions and we dropped colleges. So we were just down to high school, public schools, regular season and playoffs. We dropped the concessions ’cause some people said they would vote for us if we did. Some people said that they would vote for us if we drop the colleges. I don’t think either of those drops actually got us votes, but I don’t know. I don’t know. Because people say if you drop this, we’ll vote for you, and then they don’t. So I’m not sure that we should have done that, but that’s what we did. So I left it to my representative and I just said, we’ll support you. Whatever you decide, you have to figure it out with your friends, what you think is right. So I heard nothing and I just thought, okay, that’s fine. And then literally an hour before the drop deadline, he got, they got someone in the Senate Senator Greg Blanc, he’s a freshman, to reintroduce it and basically make it start over as a Senate bill. They thought that if it went through the Senate first instead of the house, we would have a better chance coming back to the house. So I said, all right, we’ll support Senator in the Senate now. I asked my representative, John Sharda how do I reach out to Greg? What does he want? And John says, I’ve never met the man. I have no idea. Our friends lined him up and an hour before the deadline he agreed to drop it. And so I’m gonna meet him too. And I have no idea. So I just texted him, I said, we’re team cash. We’re 38 people at this point. We are. We’ll do whatever you want to support you. What do you want? What can we do? And he basically, so anyway, it turns out Greg Blanc is a wonderful minister in South Dakota on the other side of the state, five hours away from us. He ministers when he is not in the legislature. So he is in the legislature four days a week, and then he works at his church for the rest of the time. And he’s just amazing. Freshman legislator, he knew nothing about cash, didn’t know us, didn’t know if we would show up to testify just didn’t know John Sard at either. But he just went on faith and. We showed up, we testified for him. He told us what he wanted. We tried to get that for him. And we had, again, some solar new ary subscribers that came, that testified with us new faces. And we got through the Senate committee. I forget what our vote was, maybe four to four to three.
So we got through Senate committee and then, oh, the one thing about Senator
Blanc was he wanted to be right with God. He was a, he’s a minister and he wanted more than anything to be right with God. And I said, okay how can we be right with God? And he said, I want us to have proof for everything we say. And I said, oh, that’s good. I’m good at proof. I, when we went into House committee, we had stapled five and seven page handouts for the committee members with statistics and articles, and I. Things like that. I said, oh, don’t worry, we’ll prove everything. So we proved, we went to the school board meeting, we proved everything. And I sent him emails with all the handouts and documents and what else do you want? He said, okay, bring paper copies. We’ll hand them out. So we did we were right with God at the end of the day, and that’s what he really wanted. And then when it went to the Senate floor, we’re not allowed to testify on the floor. He wanted again, to be right with God. So he took our handout. If they sign the handout, if the senators sign the handout, they can put it on every single desk of every single senator on the floor right before the vote. They have the pages, do that. So he signed every single page of our handout, had the pages, made copy copies, and had the pages put it on every single desk of every single senator. So while they were discussing the bill, he could refer to the handout, refer to the proof. And he got it. He got it through the Senate, him and friends got it through the, then we came back to the house. So meanwhile, while all this is going on, you can imagine the newspaper articles. Okay. It was just constant. Ash comes back in the Senate, new sponsor, new bill number. It just, the cash publicity just kept going. This was actually the ideal situation. Failing being reconsidered, failing, and now coming back in the Senate. This was ideal. Let me just jump in and ask a question. So all of your handouts and the testimony, the materials we have up on the Turling for Cash section of Financial Transaction Freedom, and you did an amazing job, but I would think, did any of the reporters writing these articles read and digest the materials that you produced and did it change minds because it’s really, I. The case for cash is extraordinary. And the materials you produced were quite effective, I thought.
I have to say no.
I think every single reporter that reported on us was against us. Wow. And yeah, there, yeah. The one that was maybe for us or neutral was Our Town Paper, or Our Town has 12,000 people that paper. Those people I think are with us. But all the other mainstream articles I saw were against us. I actually had to stop reading them because I was losing my state of amusement. And so I just stopped reading them and I said, it has cash in the headline. It’s talking about cash we won. And the thing to realize is a lot of people these days do not have the attention span to read a newspaper article. So a lot of people do not read the article. They just see cash or they just, some of them see my name. I have people at hockey, people at church come up to me, oh, I saw cash was in the paper. Good for you. I was like, did you read the article? It’s against us. It says Lies about my family. And they said, no, but cash is in the newspaper, so you did good. And I’m like, yeah, I did. I did. I think this was a brilliant strategy. I never thought of it, but you’re, I think you’re dead on, right? You wanna get the conversation going. It was fabulous. And keep going. Exactly. Yeah. So we got through the Senate and then we went back to the hou. We had to go back to the same house committee. So back with John Sharda back to the same house committee where we passed eight to seven last time. So I asked John, what do you want? Do you want new people? What do you want us to talk about? And he said, you know what?
One legislature later in the, I think in that committee had said.
We’ve spent a lot of time this session talking about cash. It seems like all we do is talk about cash. I’m like, yes, on and so John said they’re all sick of talking about cash. They’re tired of us. And he said, I just wanna make a few points that the lobbyists had lied about so that they know that the lobbyist lied. So that’s when we came back with a photocopy of the headline from the newspaper saying we were at the school board meeting back in September. Some of the lobbyists lies. We debunked all those. ’cause we knew what they were at that point. And he said, I just want one quick in person. I don’t wanna spend their time. It’s just gonna annoy them. They’re sick of talking about cash. So I said, all and what was interesting is my 18-year-old daughter went to testify with us in the house and the Senate committee. She did great. I was so proud of her for standing up. She did fantastic. And when we walked outta that first house committee, she walked outside the room and she said, mom, we made a mistake. We need a man. And I said, okay. My 18-year-old is very intuitive. And if she says something like that, she’s usually right. It usually comes from God because sometimes she comes up with stuff I don’t know where, and she’s usually right. So when we went back to House committee, I just remembered what she said and she said, we needed a man. And I said, all right, I’m just sending my husband. My husband does not wanna do that. Let me tell you he does not wanna do that. And I said, okay, honey, it’s your, it’s it’s you or Uncle Steve and Uncle Steve doesn’t wanna do it, so it’s you. And so he got on his big boy pants and he. He studied and read up and he did it. And I was so proud of him. Let, and let’s point out, your husband is very smart and very cogen. If he wants to make a good presentation, he can make an impressive presentation. Correct. Except, yeah, English is not his first language. And last time I sent him to court for me, ’cause we had a court, something in court in California, he almost got put in jail. So he was very suspicious of going to the legislature for me, but, or for us. But he knew it was for us. And I told him John showed him around the legislature. He had a great day. He ended up staying for the afternoon and getting a whole feel for it. So it’s a real education for the kids if you bring your kids to testify. My kids did not wanna go just like my husband. They did not wanna go. Mom, are you making us do, this is ridiculous. We already get backlash at school. Then they went and they testified and they saw the lobbyists, they saw the legislators, and they had a blast. They loved it. I don’t wanna say they loved it, but they learned so much. They were totally into it. They were the point. They wanted to be called out school when the final floor vote was done was on. Live. They wanted to listen to it live. It’s like a soap opera they said this is better than reality tv. They really got into it and it was so good for them at the end, but it was so painful. And the same for my husband. It was so good for him, but it was so painful to get him there. So he went and testified in that house committee and at that point, the last time we were in the house, the vote was 35 to 33 and we needed 36 to pass. So we only needed to flip one vote. So in that house committee, there’s this older representative from I. From a different part of the state. And my husband just said, you could see the man’s smoke and his wheels turning in his head. And my husband said he, he was watching this guy and he could see it, that the guy was finally understood. And I think he mentioned when he talked about his vote that if he didn’t vote for cash now he may never have another chance to do it. And he flipped his vote. He flipped his vote in committee, and then he flipped his vote. He was the flip vote on the floor that we later won with that guy in that committee. And my husband said it just took him the turtle. Because we turtled, because this was, he voted in committee, he voted twice on the floor. And then this was back to voting and committee. This was the fourth time he voted on cash. So we just turtled that vote out of him, right? He had already voted no on cash three times. And the fourth time he finally realized, if I don’t vote for cash now, I may lose it forever. I may never be able to vote for it again. This is my fourth vote. And then his fifth vote, he voted for us. So we were able to flip that last vote in that committee just by divine intervention, I don’t know. So I learned from Frank nicely ’cause he, he was the original it took him seven years to get his bill that stripped sales tax off of precious metals. But he would do that, he would spend year after year and he would just keep turling and educating and turling and educating. And that’s how you get there because it’s a learning process. Both you’re learning what you know, what the issues are that you don’t necessarily see when you start. You’re also educating people like that legislator who gave you your 36th vote. And that’s how you do it. It’s really it’s great about your kids ’cause they’re in the sausage factory and they realize okay, we, we have the power to make law. We can do this. It’s amazing. Anyway, keep going. Yeah. So at this point, to recap, I think we had 15, 20 newspaper articles in this area alone. I didn’t track the newspaper articles on the other side of the state or in the middle of the state. But anyway, around here I saw at least 15 or 20 just from all the cash drama that we had. So that was great. Our team cash was 38 people at this point. Most of those 38 people I did not know, they were not friends before cash. So we just had this team of people that just showed up and I. We found somehow, I wanna talk a little bit more about the kids and the back backlash against the kids. Because a lot of people don’t wanna speak up because of the backlash of their kids in school. I was literally testifying against lobbyists from the school district that my kids attend, and those lobbyists were saying lies about me and my family. That’s not pleasant. And your kid, you have to send your kid to school the next day. So the first thing that happened with the backlash of my kids in school was that a teacher who has a PhD told her, spoke up in her class against our family. Wow. And this teacher teaches to be fair, she teaches journalism and speech and debate and the school magazine, she advises the school magazine. She has a PhD. So she spoke up against her, against our family in her classes. And how ridiculous is it? And why can’t we just get a QR code and all the things. There were a couple good friends of my kids in the class, so of course they run to my kids and tell my kids about it. And one of the kids that was in the class told my daughter, you know what? I didn’t even think about this issue. None of us cared about it. But now that she mentioned it in class, your mom is right. It was like, okay, we got hate in class, which raised awareness about cash and now these kids are thinking about it, care about it, and think that we’re right. So that kid actually said when it came later, so then the next thing that happened was that kid said, I’m gonna write an article for the magazine. Wow. And she knew she couldn’t write an article for us because the teacher was strongly against us. So she had to think about how to write her article. So she wrote an article about screen time and apps and cell phone addiction, which the teacher let through and was published in the magazine. So one of the, again, one of the talking points was, why are you forcing kids to bring their smartphones to school events? So she took the cell phone screen time issue and wrote about that for the magazine and got it published. And then that same per student wanted to actually come to the capitol with us to testify too, which was pretty interesting. So this teacher speaking out against us publicly ended up getting us more supporters from the student body and then also her speaking up. I ended up getting many teachers to approach my kids and say, we’re with you. Keep going, but don’t tell anybody because we were fighting our own school district and our own athletic director, so you can’t believe the number of staff that was with us, but didn’t want it said publicly. So sometimes hate can backfire into love somehow. So then the other thing my kids had was. We had a period where they said, okay, you can bring cash into the office and we’ll print you an anonymous QR code, which I don’t believe it was anonymous at all, but at least we could pay with cash and get into certain events. So we did that for a few events. I don’t know if that’s complying or not. We still paid with cash even though we got a pay and we still got a paper to get in. I don’t know. I was on the border of that. But we had some events that we really didn’t wanna miss, so we did that. Most events, we just showed up with our cash and just either sat outside or they let us in for free, or sometimes they took our cash and stuffed it in their pockets or whatever. We had various experiences. But one event, one thing my kids had was the staff would actually roll their eyes and sigh at my kids when my kids came in to give the cash to get the paper ticket. So that was just annoying. And but my kids were like whatever, they’re acting like babies. So the girls actually got it at the end. The other thing that happened is one of my daughters wrote a college scholarship essay about this, about the prompt was how would you change the world or change make an improvement in the world or something. She wrote about the cash legislation. So a scholarship essay came out of it. And then my, one of my daughters got in a little fight in the locker room with one, one girl whose father is a legislator who not only voted against us, but spoke out against us and told some lies. So she almost got in a brawl with that girl in the locker room. But then my daughter, actually, I was proud of her. She turned away and walked away, and I said, okay, good. I’m glad you did that. And then my daughter said, you know what? I feel bad for that girl and I feel bad that’s her father and he’s acting that way, and I’m gonna pray for her. So I thought, wow, that was actually really, that’s good. Really cool that my daughter did that. And in hindsight I can say the kids, it has been such a blessing for the kids. I thought it was gonna be absolutely terrible. I thought I was gonna have to pull ’em outta school district. In the beginning I just thought, oh, this is gonna be difficult. But in hindsight, now I can say a lot of the hate turned into love. And a lot of the there were so many life lessons learned by the kids and we studied in home, we homeschool as well as public school. So we studied the South Dakota State legislature before we went to testify. So my kids knew how many legislators are there and how do we get a bill through, and how did, how does the whole process work? So we were somewhat prepared in that way and they learned a lot about the legislature and then they got to actually see it and actually testify. And that’s way better than being a page when you’re actually involved. Invested. It’s way better. They learned so much. And in hindsight, it was great for them, but it was not always easy along the way.
So now I think that’s pretty much everything that’s happened on the
turtle so far in the last couple years. Wait you gotta mention the fact that the bill got passed and then signed. Oh, correct. Yes. The bill. Yeah, the bill got signed by the governor. It did. And then your legislator, we made him here of the week. So you can see the, I think the picture is the picture of the bill signing, right? Yes, correct. Yeah. So he he did a great thing and he has a lot to be proud of. So this is, for someone like him, this is an important accomplishment and that’s a great thing. Yeah. Correct. Yeah. Our John Sharda our prime sponsor, he was amazing. He was just a turtle. He, and no matter what hate he got and comments and he just kept smiling and laughing and he was such the spirit. I was not super hopeful that we would get anything passed and he just was super positive and hopeful and just kept hurtling. He did not give up. He did not lose his cool. And he was very to the point and didn’t waste people. He was just so high integrity throughout the whole process. He was just a joy to work with. Absolutely fan. And that’s why I believe in America, if you look at all the time that people spend watching sort of politics or being involved in ways that don’t support people like him if you look at the great legislators that we have both somebody like Massey in Congress who just got the worst build stopped or John or Frank nicely in Tennessee. If you look at these people and how much they get accomplished, look at what your support has achieved working with them. And I just wanna say, I think. In terms of our time, they’re one of the best investments in the country. They can do amazing things if we will support them. And as you said, they can’t they can’t stand up against bad things if they don’t have that support. But if they have that support, they can get amazing things done.
I love your different stories because you demonstrate that again and again.
Yeah I just, I asked him, what do you want? I’m here to support you. What do you want? And then he told me what he wanted and I did what he said as best I could. Because that’s what I need to do. He’s spending the time to go do that. In South Dakota, in my opinion, it’s basically a volunteer job, essentially. They have no staff. They hardly get any money for the time that they spend up there. Some days are long and some of the people and lobbyists you have to deal with are icky, right? Let me say icky. We have some fantastic legislators, but we also have some icky lobbyists and we have some icky legislators too. So I’m just so grateful that he sits up there and does that. It’s hard work. Yeah. And anything I can do to support him, and that’s what I tell him. Anything I can do to support you, you tell me what you need and I’m gonna try and do it for you. So that’s just my attitude about it.
So one of the things we are trying to do, or he wants us, or we’re trying to
help him with, is clean up our district. So we have two legislators in our district, another representative and a senator that are voting against us all the time. So all he does is John Sharda does, is go up there to peer to the capitol and vote and cancel out the other representative from our district. Basically, that’s what happens on every single vote. Every vote. So one of the things we’re working on right now is trying to identify people to run against those two, the senator and the other representative. So we already have someone who just filed last week to run in the Senate. So that’s awesome. He’s gonna be great. I think he’s got an excellent chance. It’s gonna be great. We just need one for the house. And so we have two possibilities right now for the house, and if neither of those work out, then my husband’s gonna do it, which will be really, yeah. Oh my God. And in fact because of the cash bill, we have another actually Solaris subscriber who came and testified with us, who is doing the exact same thing. She’s cleaning up her district and if she can’t find people to run against the people that need to be out, she’s gonna do it. So she’s doing That’s wonderful. The same thing we are, my husband does not wanna be in the legislature. I don’t want him up there. It’s just ’cause I, that means I’m gonna have to probably be up there sometimes. We have work, we have a kid at home still. We have farm life, we have other things. But if push comes to shove and we can’t find one, we can’t get one of those other PE two people to do it, then my husband’s gonna have to do it. And I think because he wouldn’t have never ever considered it, but because I made him testify in the cash bill and he saw it and he saw that John Arda is up there by himself from our district and that he saw the other representative and talk to them at lunch and everything. He’s these guys have to go. And I’m like, yes, exactly. So if we can’t get these other two people to go, you have to go. He said
so he’s going, that means he’s going.
But hopefully hopefully the one of these other two people will work out. But literally because of the cash bill, now my husband’s at least open to going to running. How long is this session in South Dakota? Is it four months? It’s four days a week for 10 weeks. Okay. That’s it. But those four days a week could be 8:00 AM till 6:00 PM Sometimes they’re long days. They’re long. Very immersive days. It can be. Yeah. So it’s only four days a week for 10 weeks. But it’s intense. And it’s in p and that’s Pier is, I mean it’s a three, three from us. It’s a three, three and a half hour drive. It’s a drive and it’s a rural place, so a lot of the legislators have to drive to three, three and a half hours to get there. Yeah, so that was one sort of side outcome from the cash bill. But I wanna talk a little bit about future turtle moves. So what’s the turtle gonna do next? So one thing we are doing is we are promoting businesses that offer a cash discount. So if there’s a business that either charges more for credit card purchase or offers a straight up cash discount, we put them on a flyer and we now have a website called SD for South Dakota cash discount.com, where we list all those businesses with links to their business. And they’re organized by location in South Dakota, so by the city that they’re in. We want to add more businesses to the list. We haven’t started promoting it yet. This is literally a list I put together just from team Cash and friends and family. I haven’t started promoting it at all yet. I’m just trying to get more businesses on the list and trying to get the website. A little more solid. And so in the fall, probably late summer to fall is my plan to start promoting that, and I’m going to use that. So this came out of our cash at Retail Fail. So instead of maybe going for the legislation, we’re gonna promote businesses that offer a cash discount and potentially use that. Promotion for me to go back on the speaking tour and talk about cash again, because now I have a new flyer, I have a new handout, and I have a new topic. Cash businesses, let’s all shop and eat at these businesses and let’s not shop and eat at these other businesses that don’t take cash. Is the kind of corollary to that. The other thing we can do with this is we could go for a joint resolution in the legislature, so we could bring this as a joint resolution to promote the use of cash businesses, and then we can refer to the flyer in the website. So that’s another way to bring cash, the word cash back to the legislature. Next session is to go for a joint resolution. So that’s one idea we might do that. So I have to tell you, I think this is brilliant because the people who are afraid to who say we’re with you, but don’t mention my name or they love to be for something. So if you give them something to be for, we’re for these businesses doing this and we support this business, they will be much more willing to come off the outside of to come off the bench and really support you openly. And that’s so that gets them in and that’s great. Exactly. Exactly. The other things we might do in the future, John Charter’s talking, we’re talking about what we wanna do for cash next session. We might go after the Board of Regents. The colleges unfortunately they, they’ve been cashless for a long time, so that’s harder I think than we pr We targeted the public schools, which had just started the new system. The Board of Regents has been cashless in their ticketing for a long time, so I’m not sure we might go for that. We might go for concessions. Must accept cash. Although we don’t have a concession problem in the public schools because most of the concessions are run by the booster club who don’t wanna give away 15 to 16%, 15 to 20% of their revenue. So most of the concessions are cash. Ironically, by the way, in the Sioux Falls school district, it’s cashless to get in and the concessions only take cash because they’re run by the parents. So that was another pretty interesting thing. Oh, I should mention also, one thing I did not mention that helped us is that the cashless ticketing, they marketed for us. So we had a senator and a representative turned away from a school event in Sioux Falls from their, and they aren’t even from Sioux Falls. They were from, they were going to an away game for one of their kids or grandkids, and they were turned away because they wanted to pay with cash or only had cash. One of them I think ended up getting someone else to pay for them, and then the other one had to go back to their car, find a credit card, and then come back. So that helped us, the fact that the, like the cashless system, they actually helped us by educating the senator and representative who might not have voted for us otherwise. So we got lucky on some of this cash at government. We might go after cash at government. So the, so in other words, things like the DMV must accept cash, things like the public water utility must accept cash. That’s, it’s a little different than going after cash at retail. I think the legislature would probably go for that. The problem is we don’t have a problem with it. So it’s not like the DMV went cashless. If the DMV went cashless in South Dakota, WI think I’m confident we could get that passed. But given that there is no problem, like why pass a bill to solve a problem that doesn’t exist? That’s the thinking of a lot of the legislature. So I’m not sure if we’re gonna go for that. We might go full on and just go for cash at retail again. Just be better prepared. We could try again and with just, we would definitely have better statistics, better pay, better handouts, better lists of businesses. We’d have all kinds of things. If we went back with that, we might try that. We might try the joint resolution promoting the cash businesses. I’m pretty sure we’ll come back with some kind of cash legislation. At least I’m gonna push for it just to get the word cash mentioned in the legislature again. And we’re just gonna keep turling and keep talking about cash as much as possible because if we all pay with cash in South Dakota, we’re gonna keep our freedom. So one of the things I used to, or I always do, is I picked out three one minute videos showing the plans to do complete digital control of financial transactions. So there were three one minute videos that the first three videos in our financial transaction shorty video list. And I would sit down, this was always on the finance committees, and I would show them these three one minute videos and their mouth would just be on the floor and they would say, I have, I had no idea that this was in the works. They just had. Did you ever do anything like that to show them the danger down the road? I did in one of my speaking events at the groups, my speak, I call it my speaking tour. I did do that in one of them and it was pretty effective. And if I go back, I’ll probably go back on the speaking tour in the fall for this cash business event that flyer and I will probably bring those videos with me and see if. See if I can’t get some people to look at some of them. We know in the past, when it comes to cash Central bankers,
we’re very much in control with all aspects of cash.
And now we’re comfortable to the point where the private sector plays a big role in the printing of the cash and distribution of the cash. And with the private sector, we use interest rates to manage the supply of cash. The same thing is likely to happen with CBDC. Yes, the Central bank will have a role, but at some point in time, the same way we don’t call it Central Bank Cash, we’re probably gonna stop calling it Central Bank Digital currency. It’s going to be a digital form of the cash. And at some point in time, hopefully we’ll be able to be a hundred percent digital. I said that we’re in a hybrid model, there’s less and less use of cash. And I think the tra from.
Predominantly digital with a little physical.
I think the transition to fully digital is not going to be a stretch. People are used to it, people have engaged in it, and circumstances did help. Is adoption rates increased because of Covid? Yeah. This is where contactless started to became something of a necessity, something of convenient safety, something of a requirement. And because of that, there is very little resistance. Trust is already there. We just need to build it. The second thing that’s happened is the disasters that have been going on. So in the hurricane and the weather in eastern Tennessee and western North Carolina you heard constant refrain. Thank God we had cash. I wish I’d had cash. Thank God we had cash. We’re gonna look at the New Zealand the governor of the New Zealand Central Bank and New Zealand has just had a cyclone and they’ve been through it. The after effects of the cyclone were very devastating, and now he’s talking about real risks. So let’s just hit it.
Our biggest activity at the bank here with regard to climate change is our
financial stability work around making sure that the financial systems are both prepared and resilient, but also doing their part in pricing and identifying risks and working with their communities. The way through that is real. That’s live. And and this is real example and other angle which I will state. So it’s well noted as resilience in our banking system. Our drive to cashless society shows how vulnerable we are. This is why we have been doing the work on cash and cash distribution throughout the economy. De-risking, de branching pricing cash management out of use increases risk, reduces resilience. Yeah, no cash. You think that’s a good idea. It increases risk and it reduces resilience. Get it through your head. And after that one, and now two of the Scandinavian central banks have said, given what’s going on with disasters around the world, we made a mistake to try and go all digital. We’re gonna roll it back and encourage cash, which is for Scandinavia to do that. That’s a major turn. So something is also happening with disasters. Has that issue come up in South Dakota? We’ve had some legislators talk about that. That was one of our talking points in testimony. And we’ve had some legislators testifying or testifying with us for us on the floor, who’ve mentioned that. That talking point here doesn’t seem to have a lot of resonance, unfortunately. I hate to say we need a disaster in South Dakota but maybe we do. I don’t, I, it just doesn’t really resonate with people for some reason. But we have made the point. I think the other thing to note in South Dakota, not to brag, is we have amazing utilities. Unbelievable and unbelievably run. I can’t believe how well our electric company runs and how well it’s managed. It’s unbelievable. It’s better than anything I’ve ever seen. So we tend not to have outages, or issues with that kind of stuff. So I don’t know. I think sometimes you need it to happen to get it to really resonate with people.
Okay.
Susan, any more you wanna cover today? I think we’ve covered most of the turling and I’m just gonna keep turling on this and see where it takes me and my family. And there was a big debate at C about the six pillars of building wealth. The sixth is turtle. Turtle fourth. And there was a, that one of my partners thought we should subsume that in one of the other pillars. And I said, no, that’s the most important pillar. If you keep turling you’ll figure out the other five. And so the trick to all of this is you’ve got a turtle. So you’ve picked up on the turtle the importance of turling. So just say a little bit about
what it means to turtle.
It just means you don’t stop and you just keep going and you have faith that the next step will come to you eventually. And Turling doesn’t mean I work on this full time. I don’t. But when there’s a step to take or a cashless system that all of a sudden gets introduced, it’s time for the turtle to pop its legs and arms out of its shell and take a few more steps, right? And I just have faith that it’s not always easy, but I have faith that for some reason this is all gonna work out and it’s all gonna be great. And if we can get everyone in South Dakota paying with cash all the time, a lot of these other control issues just go away and we’re gonna keep our freedom. And we don’t have to, it doesn’t matter if a billionaire comes in and buys our governor or buys our state legislator leaders or buys our city council in our local town, if we’re all paying with cash, we’re still gonna have some level of freedom at the end of the day. If we refuse to comply with doing anything else and refuse to shop at businesses that don’t take cash and always pay in cash, we’re always gonna have our freedom. What’s incredible is because you just started and kept going. So in a period where so much is uncertain and so much is unknown turling, you just make it up as you go. And if you look at what you’ve accomplished, it’s remarkable, but you just never quit and you just kept making it up. Or people would show up with ideas and things would happen. So anyway, I think it’s a great demonstration of what can happen if you just keep tarling Anyway, so I can’t thank you enough, Susan. It’s been very inspiring to watch what you’re doing and if people wanna support you or if people wanna reach out to get help with what they’re trying to do in their state. How did they find the materials? How did they find you? How did they connect? Your team did a wonderful website on financial transaction freedom, right? And that has all my documents, all my flyers, all my pictures of my kayak and my truck. Oh, we did a cash, we painted, put some paint on our truck too, and drove that around. It has all our talking points for testimony, copies of our bills, statistics, everything. Please use it. Please take it. Please plagiarize it, take it, make it better.
I would’ve loved to have had this as a starting point when I started, so please
use it for Halloween, Easter, everything if it can help you, please use it. Please take it. You can message me, you can find me on Connect or on solarity to, if you wanna message me and ask more questions or get more details. But I think all the documents are there and I hope other people can use them, and I hope they’re useful. So if I’m a Solari subscriber in South Dakota, I can find you through C Connect and if I wanna support you on Team Cash, can I do it through Connect? I’m not really taking any donations or anything. I’m not looking for money. People have offered me money and I don’t really take it. I’m I’m not talking about money but I’m assuming if you, on your next step with legislation, the more people you have on Team Cash who can go out and push their South Dakota legislators, that would be helpful. Yeah, for sure. Yeah, they can finance on Ary Connect or you can put you can put my email, I don’t know if my email’s on anything, but you can put that, or you can contact, put in a Ask Catherine or something and you can send up my email or whatever. They can find me, they can pull my name and probably find my phone number, honestly. So I think in we did a pushback on your Halloween package. And I think you provided an email in there as well, so Exactly. I have no problem with that. You can put my email in the notes if people wanna reach out to me. We do try to have meetups in South Dakota. I’ve been working a lot on cash, so we haven’t had one recently, but we will have another one eventually and hopefully get more people together. But the Solari Network has been amazing help in South Dakota. We’ve all, because of the meetups and people I’ve met, seven of the 38 members of Team Cash are from Solari, which is amazing. ’cause South Dakota’s not a big state, if you’re in South Dakota, you definitely wanna pile in. That’s what I think. Anyway, so you want to, you wanna be turling for cash with Susan. Anyway, Susan, thank you so much. Thank your kids, thank your husband. Thank the whole family for everything you’re doing to protect our financial freedom. It’s deeply appreciative and I’m just so grateful that you joined us on the SLE report. This has been amazing. I’m sure it’s gonna inspire actions all over the place and it just goes to show you one person can do tremendous things. It’s amazing, but they can, and now your kids know it, so they’re gonna be frightening.
Exactly.
Anyway have a great day, Susan. And ladies and gentlemen, thank you for joining us on the Solar Report. Some good news out of Bat Ship, bonkers Britain, although I’m on the Isle of Man right now, which does not belong to Britain. But anyway, cash. So cash for the first time in a decade. Cash use has gone up and it hasn’t just gone up by a little bit. It’s gone up by 7%, which is actually massive and hugely bucks the trend. And it’s the trend of this thing that really matters. So for the longest time, over a decade, cash has been on a massive downward trajectory. And you will know that the plan is to get rid of cash to digitalize everything. And in fact, a bank called, I think Macquarie in Australia has just come out and said by November, 2024, no more cash, no paying in, no checks, no nothing, all digital. But because of glorious people in the uk, and I would like to say a huge well done to anybody involved in campaigns to keep our cash or keep our cash campaign, whatever you are being glorious. So a 7% uptick, if you look at the graph, it’s sizable, it’s substantial. Mainstream media are trying to explain this away. They are saying it’s due to the cost of living crisis. And people find it easier to budget if they have cash, which begs the question why are you getting rid of it? Then if it helps people budget, but they do not want to acknowledge that. Actually, one of the reasons I believe that there is a shift and a dramatic shift in the trend is because of people like you, good people who are determined to use cash more to stand up for cash so that it does help our elderly. So it gives people a reason to have conversations so that people have a form of currency they can use, where you can’t also be tracked where someone one day can’t just turn it off or take it away from you or control you by the use of your digital currency. So I choose to believe that this massive 7% uptake in the use of cash is down to you, is down to the massive. Silent majority that want to keep cash and are beginning the fight back. And the one thing I say to everyone when they ask me What can we do more of what pisses people off, the people that are trying to control us, the way we fight back is we do more of it. You, they piss you off by trying to make you a bloody locus sucking person, eat more damn meat. They want you to travel less, fly more, and they want to take away your cash today if you can. Try and do one transaction that you would’ve done by card. Try and do it with cash. We need to keep cash alive. It’s a great conversation point for our elderly. It’s a brilliant way of being able to live our lives outside of the control of the tyrannical state. And I want you to look at that graph and the uptick and know that you guys are fighting back, and that graph shows you that we are starting to win.

Audio

AUDIO TRACK

Turtling for Cash with Susan Luschas

 
LanguageEnglish
Ladies and gentlemen, welcome to the Solari Report. I am thrilled today to have a conversation with one of my favorite people in the Solari Network. Let me introduce you. Susan Luschas from South Dakota, who is Susan. You are a force of nature. I first learned about you because you started posting on Solari is a subscriber. And you described your work in the health area, which and helping as a mom, helping your family be healthy and what you’ve done in that area is very impressive. I discovered I was not surprised to learn that you had three degrees from MIT and electrical engineering. Quite an impressive career before you decided to take time off to make sure your family was healthy. And then in the pandemic you decided in a very amazing move to literally grab your kids, leave Silicon Valley and move to the school district in the country that had the least pandemic restrictions and very impressive. And so then I got a chance to get to know you. I came up to South Dakota and we also have other mutual contacts in common. And and you started to go to work on cash and we now have a whole section at the financial Transaction freedom website called Turtling for Cash. That is really embodies all of your work. I think what you’ve accomplished to date is amazing. And so we’re here to talk about turling for cash and I have asked you to help us go through in detail. Your journey and what you’ve accomplished legislatively and in your community with cash in South Dakota. And to go through it carefully so that other people can, one, be inspired, but get a lot of ideas and materials to help them do the same. And of course, I’m very interested in this because the last thing I wanna do is wake up and find myself controlled by the financial system and have my life and how I live mandated by controls in the financial system. So you are doing amazing things for freedom. I’m unbelievably grateful to you. I’m thrilled to have the chance to go through this story with you because I’ve been there for many steps and each one is amazing. So I know you hate compliments, so I’ll stop there. Anyway, Susan, welcome to this leader report. Thank you for. Joining us to, to give us a, an education about how you’ve been turling for cash. Thanks, Catherine, and thanks for having me. I was actually inspired to work on Cash, by Financial Rebellion by you and Polly Tommy, when Polly and her wonderful accent said, cash every day. Cash every day. And so my husband and I and our family Turtled and said, okay, we’re gonna reduce our credit card usage. We’re gonna pay with cash. This is important. And there was actually a website and I can’t find it anymore. It’s down now that I think Polly Tommy had recommended where they had these little pieces of paper, why pay with cash? And so you could hand them out to people. So I threw some of those in my wallet and as I was paying with cash all around town people would get in a conversation or comment that I was using cash, and they got in a conversation, I would hand ’em this piece of paper and PE why pay with cash? And it had all these reasons. And slowly over time, I just realized. I’m setting an example for people by paying with cash and by talking to people. And this is important. And if we all pay with cash every day, we’re free. Our freedom. We have freedom. We don’t have to worry about CBDC, we don’t have to worry about transactional gold getting us, we don’t have to worry about our bank accounts being frozen, being de banked, none of that. We all pay with cash every day and refuse to comply or refuse to shop at businesses that don’t take cash. We’re free. And if I can get South Dakota to do that we only have about a million people in the state. So even if I get
10,000 or so people to do this, I mean that, that’s quite a
bit for the size of our state. They can’t do a digital control system until they get an all digital monetary system. And so they need to stop cash adaption. And if cash adaption grows, it makes it impossible to go do an all digital system. Exactly. So that’s what I’ve been doing over the last several years since you and Polly basically came up with the idea. And it’s just evolved and I’ve just literally, we’ve had some miracles and some divine with us somehow, and we just have to go with that and follow that and have faith that whatever we do is gonna, somehow in hindsight we’re gonna look back and say, we’re glad we did that. And we made a little bit of a difference. So I started planting seeds back in 2023 with Halloween these little pieces of paper that I was carrying in my wallet when I was paying with cash, I realized, wait a minute, I can tape those to the back of a dollar bill and give them out at Halloween. We have weather here in South Dakota, so depending on the weather, I have between 102 hundred kids that come to my house every year knocking on my door on Halloween. And so I thought I’ll just back roll tape these stickers to the back of these dollar bills. I’ll hand ’em out at Halloween. So can I just interrupt for a second? This means you don’t give kids sugar. Exactly. Which is also very good. Yeah, exactly. So I then I realized, I need a costume and a theme. The cash is the theme ’cause I’m gonna hand out these dollar bills. So I made a cash costume out of an old Amazon box and some dollars and $5 and $10 bills that I just printed off the internet on my printer and glued onto this cardboard box and wore with straps around my shoulders. So it became my cash costume. And then I ordered a king hat and that cost me like five bucks. So I made this really cheap cash is king costume and then I took my kayak. ’cause we live really close to the big Sioux River here in South Dakota. So I took my kayak and I flipped it over, which gave me a big white surface to write on. And I wrote Cashs King, and then I put my kayak in front of my house with a spotlight. So when people would come up for Halloween, they’d see cash is king on, written on the big, on the bottom of my kayak. And then they come, they were confused by that the first year. Now they know we’re the cash house. So now everybody knows and they line up and stuff like that. But they were confused by that. Then I open the door with my cash is king costume, and then I give ’em a dollar bill with a sticker, or now it’s a sticker. It used to be a Backroll tape, piece of paper dollar bill. And I’d say to them, pay with cash, not credit. And these little five-year-olds would go back to their moms and say, mommy, pay with cash, not credit. Look. And they got a dollar bill. And they were so excited. And it, it was interesting in that first year I got a random message from a random parent that I don’t know saying, thank you so much for doing this. This was great. And it was just one person that sent me that email and I thought, okay, we’re gonna keep doing this. It’s making a difference. And the kids like the cash, they like getting cash. It’s something different. And overall, I think they liked it. And then the other thing I did is if they were older, say fifth grade or over, I gave them an extra dollar bill if they could name for me, the presidents that were on various bills. Wow. So if they could tell me who was on the dollar bill or the $5 bill or the $10 bill, they would get an extra dollar. And a lot of times those teenagers would come in groups of three or four. So I’d ask one of them $5, one of them, the $10, one of them $20, and then they get $2 instead of $1. So that was pretty popular as well. And then the first year I think I ended up running out a dollars, ’cause the word got around. So the line in my driveway got really long and I started giving out quarters. Because that was what I had and any change I had in my wallet. So now I get a whole stack of dollar bills from the bank and now I do that. So that was the first year of cash dollar bills at Halloween. And then this Halloween I added to that constitution. So if the child was fi fifth grade or over, they also got a constitution with their dollar bill. And then the other thing I did is I started doing the same thing at Easter. So I would take the Easter eggs and put in a dollar bill or a quarter whatever, and put that little piece of paper in there. Why pay with cash? And I always host, we always host the neighborhood Easter egg hunt. And done that for over a decade. And so we just started stuffing our Easter eggs with the little cash pieces of paper and a dollar bill or a quarter. This worked out really great because we’ve always had the problem of the older kids steal all the easy eggs from the younger kids. The ones that are just lying in the front lawn. They won’t search necessarily for the harder eggs that are up in a tree or in a bush. So I told the older kids there is a magic egg with a $5 bill in it. And so you guys better leave those easy eggs and search for the hard eggs because that’s where the $5 bill is and you can’t believe how well that works actually when you’re hosting a neighborhood. Group of 10 to 20 kids, it actually works really well ’cause they’re all looking for that $5 bill. Anyway, so I do it twice a year, Halloween and Easter. With the kids, it’s incredibly effective ’cause they go back and tell their parents and it just affects the whole family. So I’ve found that’s pretty effective then. So I’ve been doing that for a couple years and then August 20, 24 hit and our school district announced this cashless ticketing system. So you had to pay with a smartphone, QR code or a credit. Later they added a credit card. Because of our pushback, they added a credit card to get into any school event. So football, any sporting event, volleyball, band, concerts, theater shows, any school event you had, you couldn’t pay with cash. And I can tell you I did not want to deal with this issue. I had a lot of things at work. I had a lot of things at home. I did not wanna deal with this issue, but cash is my issue and I have to put my money where my mouth is. And so I said, okay, it’s time to stand up for this. We can’t just not say anything and we’re not gonna comply, which means we’re not gonna go to any of our kids’ volleyball games, band events, et cetera. And here in South Dakota, all the parents go to all the things. So I said, okay, it’s time to stand up. I prayed about it, I said, I do not wanna do this right now. And it was just basically came down to me that I gotta stand up. Okay. We’re here today from Let the UK Live. Let London Live, and a whole lot of other groups in Aldi shop and go Greenage. Are insisting on nobody. Nobody can buy anything here unless they’ve got download an app and join a digital currency regime. I’ve attempted to buy some res and they will not accept cash. These places must be closed down because if we don’t close them down, they’ll come all over England and UK and the world and then we will not be able to have our freedom with cash. So get in touch. Keep cash. Keep cash keep cash and resist. Define, do not comply. So we stood up. And my goal with standing up, I wanna talk a little bit about my mindset because my mindset with standing up was, I’m gonna stand up, I’m gonna take the punches, and I’m. My goal is to get the word cash out there. So every time I get a school administrator, an athletic director, a parent, a grandparent, talking about the cashless ticketing system, talking about cash, saying the word cash, I won. Every time I get a newspaper article, a post, and anything about cash, I’ve won, whether it’s positive or negative, that was my mindset. I’m trying to raise awareness about cash, get people talking about cash, and I’m gonna just keep trying to do that. So those were my goals. So the first thing we did is I organized some people. We went to two school board meetings, the Sioux Falls School Board, which is the largest school district in the state. That’s where my kids attend school. We were allowed three speakers. We showed up with three speakers. We gave handouts with statistics. We used our full time. I had another solari subscriber show up with me to that school board meeting. And we, the school board ignored us, but the good thing about it was we got two mainstream newspaper articles about that, talking about cash. Perfect. So they were against us, but we got cash in the newspaper and two na mainstream newspapers. Then we went to my local town school board meeting and I had showed up with someone else with me and the school board said they agree with us. The student superintendent agreed with us and said, as long as cash is legal tender, they will continue to accept it in that school district. So they were totally with us. It’s a smaller town outside of Sioux Falls and the
the thing was though, that even people from that town that have to
play it in away, game away volleyball game, for example, they still are subject to the cashless ticketing policy in that other school district.
Even though that town for home games takes cash for away games, those school
districts may or may not take cash. So what, and also I should mention what happened was Sioux Falls is the largest district in the state. They decided this and they basically bullied the surrounding towns to do the same thing. And they said, if you don’t do it too, you won’t be compliant with us. And people would get confused about how, where, and to get their tickets and people won’t show up with cash. And so they basically bullied surrounding towns. So it was just, I guess three or four school districts that went cashless. But the problem is all the schools across the state that travel here to play, they’re subject to that policy. So in a way, this was good advertising for us because people coming from five hours away were subject to this policy and could feel it even if it wasn’t implemented in their hometown. So that was actually really good publicity for cash. Could you calculate how much. Because sports has been the real place where they’re really trying to force out cash. So whether it’s high school sports, college sports, or professional sports, that’s a very important vector to go to an all digital system. But what it means is there’s a lot more expenses. So you’ve got the provi, the electronic or FinTech providers, and then you’ve got the credit cards. Were you able to calculate how much it was costing the school districts to implement these kinds of complex systems? Yeah, we were, they wouldn’t tell us, the school district wouldn’t tell us what the contract was. But we were able to back calculate it from some numbers that they let slip out for various events where they made. So they, what they did is they didn’t tell you make you pay the fee. They just ate the fee. The school district ate the fee, so you couldn’t see what it was. And they wouldn’t tell us what it was, but we were, they let some fees slip out on accident and we were able to back calculate from that. So some of the fees were about 7% and some were 22%. I would say that. Whoa. The average. Whoa. Yeah, the average was about 15, 16% of our ticket sale. Of the $6, for example, to go to a volleyball game. On average about 15 to 16% of that was going back to that digital provider, which includes the credit card fee and the whatever, all the fees. And when I talked to someone at a private school district who also went cashless, one of these private schools, they said it was between 15 and 20% at their private school. So that’s pretty cons. Pretty consistent with my back calculations, I would say. So the fees are incredibly high, but they’re, the school district is hiding them. From the parents, basically. And why would they be willing to sacrifice that much money to go all digital?
You want the official reasons or you want the real reasons?
Both. I want both. Okay. So I think the official reasons that they say it’s more convenient. They say that you get in faster to your football game. Personally, I don’t think that’s true because a lot of times the QR code doesn’t scan or the, it’s technology problems. Someone’s having trouble with their phone, someone’s having trouble with the scanner. So that hasn’t been the case. There. Say it’s reduced staff, so you need fewer staff there to handle cash. I haven’t seen that either. We have the exact same number of people taking tickets here at football and volleyball games. So I haven’t seen that actually be implemented. And I see. So I don’t see any of those reasons being valid, but those are the main reasons that they officially say. I think on the unofficial side, there are two reasons. One reason is I have some evidence that the private company that’s based outta state, that does our ticketing system here had a whole webpage devoted to South Dakota Athletic Director of the Year, which by the way, was the Sioux Falls guy who made this decision. So that guy in Sioux Falls that made that, so if you think about it from the private company standpoint, all you gotta do is buy the guy at the largest school district in the state. And then what they did is they made it, they were stupid enough to make a webpage and promote this guy. So who do you think got the kickback? Probably that guy. And it makes sense. If you wanna buy the whole state, you buy the largest school district in the state, then everybody that comes to play at that school district has to use your app. And then they think it’s convenient or they get bullied into it too, or bribed. And so then they do it in their school district. So I think they bought that guy. That’s my conjecture. I have minimal proof. The only proof I have is I can show you the website, which they’ve now deleted since I’ve gone public about it. They’ve now deleted it showing highlighting that guy from Sioux Falls. The second reason I think they do it is for discipline. And there was a newspaper article out of Wisconsin, the school district in w Wisconsin that did this, and they admitted it that they were doing it for discipline. So there are two discipline things. If you can keep, who are you keeping out by not accepting cash, you’re mostly keeping out the low income kids and the minorities. The statistics show us that we can talk about that in a minute. So if you keep out those low income kids and minority kids, you are less likely to have discipline problems and fights at your football game. And they’ve admitted that in Wisconsin. If you look at the privacy policy of the company that we have doing our cashless ticketing, it says in there that they can automatically report attendance of who’s at that football game to police all school officials, all parents in involved in the booster club, et cetera, without permission, without getting your permission. So first you keep those kids out, and second of all, if those kids do show up, you know that the police knows that and they can send extra police to police those kids. So I think it’s partially also a discipline problem that they’re trying to solve with this. But also that data’s very valuable if you have data from many games all across the state as to who’s showing up and who’s interested in sports. That data is worth a lot of money to different companies that are marketing sports or products through sports. Are they free to sell that data? What can they do with that data?
I didn’t see, I read the whole privacy policy.
I didn’t see anything about them selling the data. What I did see was it’s automatically basically reported to police, all school administrators and all parent booster club members. Now, if you consider my school and the parent booster club has about, gosh, we must have 500 parents in the booster club. So at that point, it’s pretty much public information. Who’s at the game if those parents are even getting the information or if they request the information? If you have a parent that wants to request the information and sell it. I think that’s probably valid right now, whether anybody’s doing that or not, I don’t know.
Wow.
Okay. So I wanna go back quick to the school board meeting in my local town. So one interesting outcome we had of that was unexpected was that a reporter talked to me afterwards and one of my talking points for accepting cash at school events is that now you’re requiring kids to show up to a football game with their smartphone, with their QR code on it, or they have to show up with their parents’ credit card and who knows what they’re gonna buy at the concession stand and the gas station along the way. Okay, so you have, so now you’re requiring kids to basically show up with their smartphones, with their QR codes because the parents don’t wanna give them a credit card. So why are we encouraging kids to be on their smartphones? Why are we encouraging kids to have smartphones? The guy, the reporter looked at me and he could not, so he called me after, or he talked to me after the meeting. He could not understand why this was a problem giving your kids a smartphone. So I told him, look, I built this technology in Silicon Valley back in 2003 to 2005. I built some of the first wifi Bluetooth and cell phone chips. I said, this, your cell phone is mind controlling your kids and spying on them and addicting them and making them unhealthy and all these things. So he just, he couldn’t even speak back to me. He was in such shock about this. I need to just interrupt for a second. I just saw a presentation yesterday by someone who has a very successful podcast with Scott Galloway and. He’s 26 years old and he says, so he considers himself Gen Z, and he said, on average Gen Z send spends the equivalent of approximately a hundred days a year sleeping and approximately 109 days a year on their phone. And that means they have 40% less time than my generation had for life. In other words, if you look at how much time they have after they spend 109 days on the phone they don’t have time as much time to run around in the woods or do things with friends. It’s astonishing. So it’s the greatest argument I ever heard for why you don’t want your kids to have smartphones. And he says the push to get them out of schools is accelerating across the country. Yeah. Yep. So this reporter. Couldn’t believe that I was against smartphones and that I didn’t give my kids smartphones. My kids have phones, but they don’t have any apps and all they can do is call and text. And he was in sh such shock that someone would do this, that he went off on his own and wrote a whole newspaper article about researching banning schools in banning phones in schools, which our school district locally does not have a ban on phones in schools. So he wrote a whole article about that, which prompted me and my husband to write a letter to the editor back to him in the paper, in the local paper. So us going to talk about cash at the school board ended up in this whole local paper discussion about phones in schools, which was a great discussion to have. And then another random parent reached out and sent me a random email parent I’d never met before. Now I’ve met him, he’s great, but I had never met him. And he said, thank you so much for writing that letter to the editor. I’m with you. It’s an uphill battle. Let’s keep working on it. And I was just like, okay, I guess we’re doing the right thing still. We’re sticking our necks out and it’s not comfortable to stick your neck out in a small town. But that one email just made me think, okay we’re on the right track. We’re doing the right thing. So that was an unexpected outcome of that school board meeting. So after all the school board meetings, the next step was we handed out dollar bills outside of football games. And let me tell you, it was terrible for me. I hated that. I hate standing there on the side of the road and I was even handing out cash. It’s better than protesting something without handing out cash. But in South Dakota it’s hard because people just live in little house on the prairie world and they don’t think anything’s wrong. And a lot of them don’t understand what the problem is with cashless society. And let me tell you, it was hard. But it was such a blessing. I’m so glad we did it in hindsight because we found our people, we had people to help us.
We we just found our people.
And let me talk a little bit about how we found our people. So before we went to the football games, I made a flyer. It was called Refuse to Comply. I actually had someone I knew from the Solari Network do the graphic editing on it because I’m terrible at that. They did a fantastic job on that Refuse to Comply flyer. And I posted that on social media, on Facebook. Everything here is on Facebook. I hate it, but that’s how South Dakota operates. So I posted it on Facebook. They refused to comply and I cannot tell you in my local town, I got tons of support. People were totally with me. They said, we’re always gonna pay cash at games. We’re all with you. We’re gonna pay cash. But in, in the school district where my kids attend in Sioux Falls, in the biggest district in the state, all I got was hate. It was terrible. People attacked me, attacked my kids, attacked our character, our ethics, and I just said, okay, I’m gonna respond very professionally, very nicely, very kindly. Invite these people over for dinner. That’s just how I went with it. The nicer I was, the meaner they got and it just, that post on Facebook just went viral because of all the comments. And most of them were hate. It was almost all hate. In fact, it was by the end, and they just kept on with me and my kids and everything. It was so terrible and I couldn’t keep up with it. I finally just stopped responding. I’m like, I, this is too much. I can’t respond to all this. And I don’t know what else to say. And they don’t wanna, if they wanna comply, let them comply. I’ve said what I’m gonna do, and I stuck my neck out. It turns out that hate was one of the best things that could have happened to me because the hate. The hate got me a speaking engagement at a local group and I said, sure, you want, you wanna hear about this? And I thought, okay, they can throw tomatoes, whatever. I don’t know this group very well, but I’ll go speech speak. I thought they were on my side, but I wasn’t a hundred percent sure. I just said, I’ll talk to anybody about cash that wants to talk to me. So I showed up at this group to talk because of all this hate on Facebook. And I brought handouts, I brought the flyer, I brought all the things, I brought dollar bills, I gave everybody cash. And there they just loved it. They were on my side. They got it. They understood it. I don’t know. Somehow I was gifted the words to say that these people would understand it. And there was a cowboy pastor there. I didn’t even know we had a cowboy pastor. Of course we do in South Dakota, but I didn’t know at the time. And the cowboy pastor said, oh my gosh, you need to come talk to these other groups. So he introduced me and got me connections at other groups. And from there I talked to other groups and it just went on. And before you know it, I was on a cash speaking tour because of this hate I got on Facebook, so it was amazing. I talked to Republicans, I talked to Democrats, I talked to moms groups. I talked to anybody that would talk to me about cash. I went and spoke and I took dollar bills and I took flyers and I answered questions. And I, sometimes I had videos or made little presentation or whatever. I just did every invitation that I got. And the other thing that hate on Facebook got me is it got me the news crew at my house the next day, and they showed up with a video camera and I did an hour interview. We ended up being the head story on the nightly news, and the school district refused to respond. Of course, ’cause they, so they just gave some quotes from the school district. So almost the whole video was just a video of me talking about cash on the nightly news. Top story, your first alert station. Good evening. I’m Andrea Anderson. At the end of July, the Sioux Falls school district announced it would be moving to cashless entry for all sporting and fine arts events within the district. This policy is now seeing backlash from some concerned parents. Hannah Ewell is telling us why in tonight’s top story. Andrea, since the announcement of cashless events, other schools have followed suit such as T Harrisburg, O Gorman, and Brandon Valley. One of those speaking out is Susan Lu Shaws. She’s the parent of a senior and freshman at Lincoln High School. Neither of her children having a smartphone or credit card. Susan says the new policy singles her family out. The Sioux Falls School District said in a statement, we understand that not everyone may have access to digital devices or credit cards, and we are committed to ensuring equal access for all event goers, but for concerned parents. Susan, this isn’t the case, that this policy just discriminates against low income people, against elderly people. I grew up low income. I understand it. Sometimes a low income family doesn’t know until Friday afternoon if they have enough. Money left from their paycheck to send their kid to the football game that night. Susan says she plans to stand outside and give attendance the cash she said she would’ve used to pay for the event. All of it will be free with a message attached. Why pay with cash at events? Number one, to give your school more money with no transaction fees. Number two, to support low income, elderly and students making a healthy choice not to have credit cards and smartphones. Number three, so your location isn’t tracked via QR code. And number four, cash is legal, tender and ensures our financial freedom. So at that point I really stuck my neck out. My kids had their neck stuck out and things just went on from there.
The, so then we gave out.
So from all these speaking engagements, I ended up with a group of people that would help me at football games. And my goal was. I realized how much hate there was. So I tried to keep the bullseye on me and my family because we already stuck our necks out. So every time there was something to do, give out dollar bills at football games or come testify to school board or come testify at the legislature, I always tried to take different people with me. I always tried to keep the bullseye on myself. And so at football games, we had a couple solari subscribers who came out and helped. We, I had a bunch of people from those speaking engagements from various groups that came out and helped. I had different people at every game. We gave out the dollar bills on the street. We raised some awareness. There was a lot of people that just in South Dakota did not know what to do with a protestor did not even take the cash. And then there were other people that took the cash and they’re like, we’re with you, but we don’t wanna miss Johnny’s football game. So what do we do? So I just have to interrupt and say, when I started talking to people about cash, the first, they would go, it’s not convenient or you know what, but they and they would start to think about it, and then it would, it could take as much as a year or two, but they would really turn around because they started to realize, oh, I don’t wanna be controlled and if I keep cash alive, it’s gonna be harder to control me. And suddenly, so you had to plant these seeds, but it would they could really mature in time. Were you seeing that? Yes, I was plant, I felt like I was planting a lot of those initial seeds, and talking about the digital control grid. And because I’m from Silicon Valley, because I’ve built a lot of this technology and I really understand it, people tend to take me a little more seriously about the control grid part of it. But I still feel like I’m planting a seed. They need to hear it over and over, which was why my goal for on this from the beginning was to get people talking about cash. Cash in the newspaper, cash on the nightly news. The more they hear the word cash. The more it sinks into their brains and they think about it. I think the control grid element it takes a few seeds and waterings of those seeds to get people to understand that. And I’m not a hundred percent sure in South Dakota that could take a while to, to get those to grow. Like you said, years. I started by the end I had the same issue where people would say it’s so inconvenient, it’s more convenient to just use my credit card and I get miles or I get cash back on my credit card. And I finally just started being a real jerk about that. And I just said, you know what if I can just talk about some of the statistics quick I’ll explain what I tell them. So I looked at some statistics from the Federal Reserve and it showed us that in 2022, about 18% of all payments are made with cash. 18% of all payments are cash payments in 2022. And then on the Federal Reserve Web website as well in 2023, if you look at the credit card, they have a table about who has a credit card and who doesn’t. And you’ll find that low income families with less than $25,000 a year in income, 54% of them don’t have a credit card. Okay? So a lot of low income families don’t have a credit card, which kind of makes sense. And the overall per a lot of people by the if you look at the same table, a lot of young people don’t have a credit card, which makes sense. And many of the people without a credit card, 30% of blacks don’t have a credit card. 26% of Hispanics don’t have a credit card, and 31% of people with a disability don’t have a credit card. So the overall percentage of people without a credit card are 18%. So let’s think about this. 18% of all payments are made with cash and 18% of people don’t have a credit card. So the people that are using credit cash are the ones without a credit card. Now, who are the people without a credit card? I just said they’re low income people, young people, black and Hispanic people, and people with a disability so that the low income minorities with disabilities are keeping our freedom alive. Not us. Not us, but the people that are low income with disabilities and are minorities, they’re keeping our freedom alive. ’cause they’re the 18% of people without a credit card who are using cash. So those of us with the, let me finish. So those of us with a credit card are using our credit cards. So every time you use your credit card and you’re getting your miles and you’re getting your cash back, who’s paying for that? The low income minorities with a disability. So you’re using your credit card so you can get your miles and your cash back. Meanwhile, you donate to a charity for low income people. Why don’t y’all just use cash? Great. And that’s your charity for low income people because they’re the ones who are paying for your mi your miles and your cash back. So let’s stop praying off of low income people. And I know I’m a jerk when I say that, but sometimes when I say that, they start to think, oh yeah, my, my vacation miles are being paid by low income minorities. So I live in a community with, so I, it’s a very low if you look at our per capita income we’re relatively low. And I’ve been for years, lining up at the post office to get money orders with a lot of my fellow my neighbors who fit the profiles you’re describing. And what’s interesting is many of them don’t have a bank account. They’ll stop off at the utility to pay with cash, or they’ll use money orders if they put it in the mail. If they don’t want a bank account and they don’t want to use checks or a credit card because they want privacy and they’re not, they could get a bank account if they wanted. They could pay with a check or they could pay with a credit card. They want privacy and they know the power of that kind of privacy. And and some of them are doing it because they’re smart and they are, they’re protecting our freedom and it’s time we join them. Exactly. They know. Exactly. And I feel like my time is better spent paying with cash and inspiring others to pay with cash all the time than it is to even run for the state legislature. If we all pay with cash all the time, we’re free and the legislature can be bought out and the feds can be bought out and everyone can be bought out. As long as we refuse to comply and pay with cash we’re free.
And that.
So I think that’s where my time is best spent.
I’m with you.
Keep going. Okay. So we did the football games handing out the dollar bill that also allowed us to assess the market. So basically in hindsight, we really assessed the market that in Sioux Falls, there are a lot of people with us, but they don’t wanna speak out. They don’t like protestors, they don’t, they like everyone to comply in Sioux Falls. But in our local town, our smaller town we had 90% support there. So that helped us later when we were trying to find a spons, when I was thinking about a sponsor for cash bills for legislation, that helped us figure out, okay, who do we want to sponsor it? Who’s not gonna have a pushback at the next election? Right? Which is why, part of the reason I chose my local legislator here in the smaller town cause he’s not, he’s got huge support here for it. So the football games, handing out $800 in football outside of football games was painful at the time, but in hindsight, I’m glad we did it. The other thing I did is I handed out flyers and dollar bills outside of a school band event at my school. So a couple hundred kids in the band, and I started handing it out. This was initially when it first got announced, like literally a week within a week of when it got announced, I was on it, just said, okay, it’s, I gotta drop everything. I gotta do this now. Now is the time, because once everybody complies and gets used to it, it’s gonna be really hard. So I was at the band event, it was terrible. I hated it. I was in my cash costume. I was giving out dollar bills to all these kids that are my friends of my kid they all know my kid’s a freshman trying to fit in the band. It was really terrible. But luckily the administration didn’t know what to do with me. They never had a protestor let alone one handing out dollar bills. So they had to make some phone calls. So that gave me time to give out flyers and dollar bills. And I got quite a few given out before they moved me to the street. So it was terrible, but I did it. And I raised some initial awareness with that. So some of the things I did weren’t wildly successful, but and painful for me at least for my personality.
So some, there were very few families that did not comply.
There was my family, there was one other very strong family that stood with us and almost everybody else complied. Even some of the people that were at some of those groups I talked to or led some of the groups I talked to, they just said I can’t miss Johnny’s football game or sally’s volleyball game. And again, I started being a jerk about that and telling groups missing one football game is like poking you in the arm. Now I tell you, if you don’t, transgender Johnny into Jane or I’ll freeze your bank account, that’s all digital and all your credit cards and everything else. Now what are you gonna do? Exactly. That’s cutting off your head. You not attending one of Johnny’s football games is like a poke in the arm. But when now I tell you to transgender your kids or I freeze all your digital accounts, what are you gonna do? And the transgender issue works very well in South Dakota. So that was a good example. I lucked out with that one. So here’s the thing, it’s hard for people to imagine that could happen, but I absolutely believe it will happen if they get financial transaction control.
Can they fathom that?
I not really, because we live in Little House on the Prairie here, literally, which is great. Life is good. We don’t have many low income people in this state. Everybody’s, we have a very solid middle class in this state. Right now it’s very hard to get people to understand because they hardly know anybody that’s been Deb banked or that’s had those kind, right? So I’ve told people that I have been de banked and I’m from Silicon Valley, so I’m a little bit of a different story and people have, I don’t like to talk about it. But people have pressured me into telling that story. And when I tell the story, people tend to get it. So I use the Canadian truckers, and you’re not that far from Canada.
Do they realize what happened to the Canadian truckers
and it could happen to them. Trudeau in Canada, they’re having some problems with protestors these days. There is a covid protest going on in Ottawa going on in Canada. What caught my attention is not necessarily that protest, but on the back of this, there is now a mandate from Trudeau and those in power in Canada to freeze protestors. Bank accounts absolutely ridiculous. This is que, this is qual freedom of speech. They are freezing bank accounts to people that are expressing speech banks will be able to freeze personal accounts of anyone linked with the protest. Anyone linked with the protest freeze your personal bank account. Okay? And the take is this time, it’s their protest. Maybe you’re not protesting, maybe you don’t care about this. Next time it’s yours. What if next time it’s about like runaway inflation. Government shouldn’t be able to freeze people’s bank accounts without a court order, without due process. The government is using the banking system to silence political dissent that should not be happening ever. Some a small set of them do. So I went to the Canadian truckers came through Sioux Falls. I went and supported them and I gave them cash because I didn’t want my bank account frozen again.
But if I look at who was there supporting them, it was a very small group of
people, and I think a lot of the other people weren’t aware of it and didn’t even know they came through Sioux Falls. I don’t think word got out as much as it probably should have here, right? But so that story does work with some people here, but not. Not everybody.
We did have, as I said, people don’t like to protest here.
So we did have a lot of people just secretly coming up to us and telling us telling us that they supported us. And there was a lot of secret here’s 20 bucks behind the scenes, but don’t tell anybody that I’m helping you. So we had a lot of that going on along the way. So the next step was we still didn’t have, we still had cashless ticketing at the largest school district in the state. We had my family and some others, and some low income people. The few that we have sitting outside or being denied entry into games and events. But still not a majority of people that weren’t complying. The majority of people were still complying and there were still very few of us not complying. So at that point, I wrote two bills for the legislature. I realized after you were here and we met with legislators that a lot of lobbyists write their bills for them. They don’t have time. They have full-time jobs. They don’t have time to draft their own bills. So I just said, okay, I’m gonna draft these bills and then I’ll find a sponsor. And so I drafted, I actually only drafted one bill. I drafted one bill for school events, so requiring schools to take cash for school events. The way I did it is I looked online, I saw Ohio had something, and North Carolina had something. I basically copied off them. Ohio made a mistake. They did not include the playoff season the way they wrote their bill. So I made sure our bill was written to include the playoff season. Playoff games have to take cash as well as regular season games. So I wrote the bill and then I decided that I should go for a sponsor in my district because we have huge support for it here, and we are affected by it because we do play a lot of games in Sioux Falls. So my local representative. Supported it and sponsored it. He’s great. But from the beginning, I never expected that bill to pass. I said, there’s no way we’re gonna get this to pass, because I just looked at all the hate I got on Facebook. The, I’m fighting against the largest school district in the state, which is the district my kids attend. I just had, I had no hope for the legislation to be passed, but I said, you know what? Every time if we go to the state legislature with this bill, they have to consider it. And that means legislators from all over the state are gonna talk about cash, and they’re gonna hear about cash. And they may not have this policy in their district, but it gets them thinking about it. It gets them aware of it. And we’re planting seeds all over the state just by taking a bill to the legislature. And maybe if we’re lucky, we’ll get another newspaper article. That was my goal. That was my mindset. So every time they say the word cash in the legislature, I tally that as a win. Every time there’s a newspaper article, even if it’s against us and it says cash in the title, I tally that as a win. So that was my goal going in. I never thought we would get the bill passed. So my local legislator said he wanted an additional bill. He wanted our bill, he wanted a couple things. He wanted this bill to include Board of Regents, which is the colleges, and he wanted it to include concessions. So I said, all right, if that’s what you want, I’m here to support you. That’s what we’re gonna do. So we, I added those to my bill and then he wanted a separate bill for retail. And I said, okay, if you wanted, if you think you can do that, let’s do it. So I wrote that bill too. Based on other states that have passed cash at retail bills that sort of evolved over time. So after I wrote the bill, then they go to LRC, which is Legislative Research Council in South Dakota, and they are basically the research analysts, the legislative analysts and lawyers. Look over the bill and make sure it’s okay. Usually they draft the bill for the legislator and then it goes back and forth and the legislator has to sit in their office and spend lots of time like, no, that’s not what I wanted. That’s not what I meant. In our case, we had them drafted, so all they had to do was edit. And that’s basically what they did. They edited. So then we, I said to my local legislator, I said, okay, you’re gonna sponsor these. You’re gonna stick your neck out. What can we do to support you? What do you want? And he said, I want you to give me five testifiers. I want you to do five minutes each, and I want you to show up in person. And this is during a workday. I said, all right, we’re gonna somehow get that done. So luckily from the speaking engagements, the solari, we had a Solari subscriber come, we were able to put together five testifiers from different districts across the state. To come in person, take a day off work and testify. We did raise some research. We had some handouts with some statistics and we had talking points divided. We were organized and we went and testified for both bills. Luckily we got both bills on the same day. We got the retail bill and the school events. Bill testified on the same day, and I can tell you I definitely made some mistakes there. I should have listened to how other bills go in the legislature. I should have listened to paid, I should have gone up there in advance and seen how this whole thing works. ’cause we just walked in blind. We were all new. We had never, none of us that showed up. We were all new faces. We had never been to the legislature before, which I thought would work in our favor because we’re literally average citizens. We’re not lobbyists, we’re not people that are up there all the time. We’re not people they’ve seen before. But in hindsight, I probably should have gone up before and seen how these things work and how the talking points go. Because I thought we had great talking points, but I wasn’t prepared for the lobbyists who just made up lives. I had no idea that was coming. I I just had no idea. So one good example of that was the lobbyist who said, we never even told the school board about it. They had no idea. Meanwhile, I had a front page newspaper headline from back a few months ago when we went to the school board meeting. So I had proof of that, but I didn’t bring the proof because I didn’t think they would lie about that. So there were just all kinds of lobbyist lies and things. So in hindsight, I definitely would’ve listened to the lobbyist how they approach things and how they lie and brought more proof with me in hindsight. But, so to summarize how the bills went. We squeaked by on the cash at school events. We got that through committee. I think the vote was eight to seven and the cash at retail failed spectacularly. And that bill should have passed committee. We had a friendly committee. We had a lot of friends on that committee and we just were not well prepared with our arguments. I think South Dakota does not like to regulate businesses, right? And they did not see a reason. What they wanted to hear was, Johnny can’t buy groceries because he doesn’t have a credit card, but we’re not at the point yet with cashless grocery stores. They really wanna see a need for it. They wanna see that. And we don’t have any low income people in South Dakota and we don’t have any grocery stores that aren’t taking cash right now. So the, they wanted to know who’s not taking cash in South Dakota. And so what I could say is certain event venues, concessions school football games and school events, and a car wash and a couple of restaurants, that’s it. So their answer was don’t shop at those places. And it’s I don’t, but this is coming and we’re getting more and more. And so our friends on the committee for a commerce committee where a retail build failed, they all said they, or a bunch of them said they wanted to see it brought back. They liked the topic, they wanted to see it brought back. So I’m not sure if we’re gonna bring it back or in what format we’re gonna bring it back. I don’t think the no sales tax on cash purchases under a hundred. We loaded that too. I, the fiscal note on that is just gonna be tough to get right. So I have some other ideas. We’ll talk about those at the end. But anyway, so I’m gonna go back to the school events bill. We got it through the committee, barely. Then we went to the house floor on the school events bill. And we won 34 to 32, but you need 36 to pass. So we didn’t pass, but we won the vote. So then that was a Friday. So then over the weekend we heard that at least one vote wanted to flip. And so we decided to reconsider on Monday. So there were all these flurry of newspaper articles because it was a close vote. All these newspaper articles over the weekend, cash. And they’re gonna reconsider all this drama. I can’t even read the newspaper articles because they’re mostly against us, but hey, we’re getting the word cash in the newspaper that got drawn out over the whole weekend. They reconsidered Monday. We got 35 to 33, I think we flipped three votes and they flipped three votes. Plus we, I don’t know, they flipped four, we flipped three plus we got one. I don’t know. So a bunch of them flipped, but they flipped some. So we got, we won 35 to 33, but you need 36 to pass. So again, we lost and at that point we were dead with this cash at school events bill. So I notice that the other thing to note is that we have 70 people in the house, so it should have been 70 votes, but a few of them were missing because of various things. ’cause no one went to the federal government and so forth. So there were two seats missing anyway. Okay. So at that point we were dead and I just told our representative, we still had time to reintroduce the bill if we want. He wanted to. And I just left it to him and prayed about it. I just said, you know what? We’ve gotten a lot of newspaper articles. We’ve gotten a lot of talk about cash because the committee testimony, then it went through the house. Then we had the whole weekend and people were talking about it and then a re-vote on Monday. We got a lot of press on cash, so we won. Okay. We won in my mind and I told them, if you wanna reintroduce the bill, we’ll support you. We’ll show up with new people to testify. We’ll try again. If you don’t think it should go we can do it next year or just drop it or whatever you wanna do. By the way, I forgot to mention that to the final vote, we had to drop concessions. We dropped concessions and we dropped colleges. So we were just down to high school, public schools, regular season and playoffs. We dropped the concessions ’cause some people said they would vote for us if we did. Some people said that they would vote for us if we drop the colleges. I don’t think either of those drops actually got us votes, but I don’t know. I don’t know. Because people say if you drop this, we’ll vote for you, and then they don’t. So I’m not sure that we should have done that, but that’s what we did. So I left it to my representative and I just said, we’ll support you. Whatever you decide, you have to figure it out with your friends, what you think is right. So I heard nothing and I just thought, okay, that’s fine. And then literally an hour before the drop deadline, he got, they got someone in the Senate Senator Greg Blanc, he’s a freshman, to reintroduce it and basically make it start over as a Senate bill. They thought that if it went through the Senate first instead of the house, we would have a better chance coming back to the house. So I said, all right, we’ll support Senator in the Senate now. I asked my representative, John Sharda how do I reach out to Greg? What does he want? And John says, I’ve never met the man. I have no idea. Our friends lined him up and an hour before the deadline he agreed to drop it. And so I’m gonna meet him too. And I have no idea. So I just texted him, I said, we’re team cash. We’re 38 people at this point. We are. We’ll do whatever you want to support you. What do you want? What can we do? And he basically, so anyway, it turns out Greg Blanc is a wonderful minister in South Dakota on the other side of the state, five hours away from us. He ministers when he is not in the legislature. So he is in the legislature four days a week, and then he works at his church for the rest of the time. And he’s just amazing. Freshman legislator, he knew nothing about cash, didn’t know us, didn’t know if we would show up to testify just didn’t know John Sard at either. But he just went on faith and. We showed up, we testified for him. He told us what he wanted. We tried to get that for him. And we had, again, some solar new ary subscribers that came, that testified with us new faces. And we got through the Senate committee. I forget what our vote was, maybe four to four to three.
So we got through Senate committee and then, oh, the one thing about Senator
Blanc was he wanted to be right with God. He was a, he’s a minister and he wanted more than anything to be right with God. And I said, okay how can we be right with God? And he said, I want us to have proof for everything we say. And I said, oh, that’s good. I’m good at proof. I, when we went into House committee, we had stapled five and seven page handouts for the committee members with statistics and articles, and I. Things like that. I said, oh, don’t worry, we’ll prove everything. So we proved, we went to the school board meeting, we proved everything. And I sent him emails with all the handouts and documents and what else do you want? He said, okay, bring paper copies. We’ll hand them out. So we did we were right with God at the end of the day, and that’s what he really wanted. And then when it went to the Senate floor, we’re not allowed to testify on the floor. He wanted again, to be right with God. So he took our handout. If they sign the handout, if the senators sign the handout, they can put it on every single desk of every single senator on the floor right before the vote. They have the pages, do that. So he signed every single page of our handout, had the pages, made copy copies, and had the pages put it on every single desk of every single senator. So while they were discussing the bill, he could refer to the handout, refer to the proof. And he got it. He got it through the Senate, him and friends got it through the, then we came back to the house. So meanwhile, while all this is going on, you can imagine the newspaper articles. Okay. It was just constant. Ash comes back in the Senate, new sponsor, new bill number. It just, the cash publicity just kept going. This was actually the ideal situation. Failing being reconsidered, failing, and now coming back in the Senate. This was ideal. Let me just jump in and ask a question. So all of your handouts and the testimony, the materials we have up on the Turling for Cash section of Financial Transaction Freedom, and you did an amazing job, but I would think, did any of the reporters writing these articles read and digest the materials that you produced and did it change minds because it’s really, I. The case for cash is extraordinary. And the materials you produced were quite effective, I thought.
I have to say no.
I think every single reporter that reported on us was against us. Wow. And yeah, there, yeah. The one that was maybe for us or neutral was Our Town Paper, or Our Town has 12,000 people that paper. Those people I think are with us. But all the other mainstream articles I saw were against us. I actually had to stop reading them because I was losing my state of amusement. And so I just stopped reading them and I said, it has cash in the headline. It’s talking about cash we won. And the thing to realize is a lot of people these days do not have the attention span to read a newspaper article. So a lot of people do not read the article. They just see cash or they just, some of them see my name. I have people at hockey, people at church come up to me, oh, I saw cash was in the paper. Good for you. I was like, did you read the article? It’s against us. It says Lies about my family. And they said, no, but cash is in the newspaper, so you did good. And I’m like, yeah, I did. I did. I think this was a brilliant strategy. I never thought of it, but you’re, I think you’re dead on, right? You wanna get the conversation going. It was fabulous. And keep going. Exactly. Yeah. So we got through the Senate and then we went back to the hou. We had to go back to the same house committee. So back with John Sharda back to the same house committee where we passed eight to seven last time. So I asked John, what do you want? Do you want new people? What do you want us to talk about? And he said, you know what?
One legislature later in the, I think in that committee had said.
We’ve spent a lot of time this session talking about cash. It seems like all we do is talk about cash. I’m like, yes, on and so John said they’re all sick of talking about cash. They’re tired of us. And he said, I just wanna make a few points that the lobbyists had lied about so that they know that the lobbyist lied. So that’s when we came back with a photocopy of the headline from the newspaper saying we were at the school board meeting back in September. Some of the lobbyists lies. We debunked all those. ’cause we knew what they were at that point. And he said, I just want one quick in person. I don’t wanna spend their time. It’s just gonna annoy them. They’re sick of talking about cash. So I said, all and what was interesting is my 18-year-old daughter went to testify with us in the house and the Senate committee. She did great. I was so proud of her for standing up. She did fantastic. And when we walked outta that first house committee, she walked outside the room and she said, mom, we made a mistake. We need a man. And I said, okay. My 18-year-old is very intuitive. And if she says something like that, she’s usually right. It usually comes from God because sometimes she comes up with stuff I don’t know where, and she’s usually right. So when we went back to House committee, I just remembered what she said and she said, we needed a man. And I said, all right, I’m just sending my husband. My husband does not wanna do that. Let me tell you he does not wanna do that. And I said, okay, honey, it’s your, it’s it’s you or Uncle Steve and Uncle Steve doesn’t wanna do it, so it’s you. And so he got on his big boy pants and he. He studied and read up and he did it. And I was so proud of him. Let, and let’s point out, your husband is very smart and very cogen. If he wants to make a good presentation, he can make an impressive presentation. Correct. Except, yeah, English is not his first language. And last time I sent him to court for me, ’cause we had a court, something in court in California, he almost got put in jail. So he was very suspicious of going to the legislature for me, but, or for us. But he knew it was for us. And I told him John showed him around the legislature. He had a great day. He ended up staying for the afternoon and getting a whole feel for it. So it’s a real education for the kids if you bring your kids to testify. My kids did not wanna go just like my husband. They did not wanna go. Mom, are you making us do, this is ridiculous. We already get backlash at school. Then they went and they testified and they saw the lobbyists, they saw the legislators, and they had a blast. They loved it. I don’t wanna say they loved it, but they learned so much. They were totally into it. They were the point. They wanted to be called out school when the final floor vote was done was on. Live. They wanted to listen to it live. It’s like a soap opera they said this is better than reality tv. They really got into it and it was so good for them at the end, but it was so painful. And the same for my husband. It was so good for him, but it was so painful to get him there. So he went and testified in that house committee and at that point, the last time we were in the house, the vote was 35 to 33 and we needed 36 to pass. So we only needed to flip one vote. So in that house committee, there’s this older representative from I. From a different part of the state. And my husband just said, you could see the man’s smoke and his wheels turning in his head. And my husband said he, he was watching this guy and he could see it, that the guy was finally understood. And I think he mentioned when he talked about his vote that if he didn’t vote for cash now he may never have another chance to do it. And he flipped his vote. He flipped his vote in committee, and then he flipped his vote. He was the flip vote on the floor that we later won with that guy in that committee. And my husband said it just took him the turtle. Because we turtled, because this was, he voted in committee, he voted twice on the floor. And then this was back to voting and committee. This was the fourth time he voted on cash. So we just turtled that vote out of him, right? He had already voted no on cash three times. And the fourth time he finally realized, if I don’t vote for cash now, I may lose it forever. I may never be able to vote for it again. This is my fourth vote. And then his fifth vote, he voted for us. So we were able to flip that last vote in that committee just by divine intervention, I don’t know. So I learned from Frank nicely ’cause he, he was the original it took him seven years to get his bill that stripped sales tax off of precious metals. But he would do that, he would spend year after year and he would just keep turling and educating and turling and educating. And that’s how you get there because it’s a learning process. Both you’re learning what you know, what the issues are that you don’t necessarily see when you start. You’re also educating people like that legislator who gave you your 36th vote. And that’s how you do it. It’s really it’s great about your kids ’cause they’re in the sausage factory and they realize okay, we, we have the power to make law. We can do this. It’s amazing. Anyway, keep going. Yeah. So at this point, to recap, I think we had 15, 20 newspaper articles in this area alone. I didn’t track the newspaper articles on the other side of the state or in the middle of the state. But anyway, around here I saw at least 15 or 20 just from all the cash drama that we had. So that was great. Our team cash was 38 people at this point. Most of those 38 people I did not know, they were not friends before cash. So we just had this team of people that just showed up and I. We found somehow, I wanna talk a little bit more about the kids and the back backlash against the kids. Because a lot of people don’t wanna speak up because of the backlash of their kids in school. I was literally testifying against lobbyists from the school district that my kids attend, and those lobbyists were saying lies about me and my family. That’s not pleasant. And your kid, you have to send your kid to school the next day. So the first thing that happened with the backlash of my kids in school was that a teacher who has a PhD told her, spoke up in her class against our family. Wow. And this teacher teaches to be fair, she teaches journalism and speech and debate and the school magazine, she advises the school magazine. She has a PhD. So she spoke up against her, against our family in her classes. And how ridiculous is it? And why can’t we just get a QR code and all the things. There were a couple good friends of my kids in the class, so of course they run to my kids and tell my kids about it. And one of the kids that was in the class told my daughter, you know what? I didn’t even think about this issue. None of us cared about it. But now that she mentioned it in class, your mom is right. It was like, okay, we got hate in class, which raised awareness about cash and now these kids are thinking about it, care about it, and think that we’re right. So that kid actually said when it came later, so then the next thing that happened was that kid said, I’m gonna write an article for the magazine. Wow. And she knew she couldn’t write an article for us because the teacher was strongly against us. So she had to think about how to write her article. So she wrote an article about screen time and apps and cell phone addiction, which the teacher let through and was published in the magazine. So one of the, again, one of the talking points was, why are you forcing kids to bring their smartphones to school events? So she took the cell phone screen time issue and wrote about that for the magazine and got it published. And then that same per student wanted to actually come to the capitol with us to testify too, which was pretty interesting. So this teacher speaking out against us publicly ended up getting us more supporters from the student body and then also her speaking up. I ended up getting many teachers to approach my kids and say, we’re with you. Keep going, but don’t tell anybody because we were fighting our own school district and our own athletic director, so you can’t believe the number of staff that was with us, but didn’t want it said publicly. So sometimes hate can backfire into love somehow. So then the other thing my kids had was. We had a period where they said, okay, you can bring cash into the office and we’ll print you an anonymous QR code, which I don’t believe it was anonymous at all, but at least we could pay with cash and get into certain events. So we did that for a few events. I don’t know if that’s complying or not. We still paid with cash even though we got a pay and we still got a paper to get in. I don’t know. I was on the border of that. But we had some events that we really didn’t wanna miss, so we did that. Most events, we just showed up with our cash and just either sat outside or they let us in for free, or sometimes they took our cash and stuffed it in their pockets or whatever. We had various experiences. But one event, one thing my kids had was the staff would actually roll their eyes and sigh at my kids when my kids came in to give the cash to get the paper ticket. So that was just annoying. And but my kids were like whatever, they’re acting like babies. So the girls actually got it at the end. The other thing that happened is one of my daughters wrote a college scholarship essay about this, about the prompt was how would you change the world or change make an improvement in the world or something. She wrote about the cash legislation. So a scholarship essay came out of it. And then my, one of my daughters got in a little fight in the locker room with one, one girl whose father is a legislator who not only voted against us, but spoke out against us and told some lies. So she almost got in a brawl with that girl in the locker room. But then my daughter, actually, I was proud of her. She turned away and walked away, and I said, okay, good. I’m glad you did that. And then my daughter said, you know what? I feel bad for that girl and I feel bad that’s her father and he’s acting that way, and I’m gonna pray for her. So I thought, wow, that was actually really, that’s good. Really cool that my daughter did that. And in hindsight I can say the kids, it has been such a blessing for the kids. I thought it was gonna be absolutely terrible. I thought I was gonna have to pull ’em outta school district. In the beginning I just thought, oh, this is gonna be difficult. But in hindsight, now I can say a lot of the hate turned into love. And a lot of the there were so many life lessons learned by the kids and we studied in home, we homeschool as well as public school. So we studied the South Dakota State legislature before we went to testify. So my kids knew how many legislators are there and how do we get a bill through, and how did, how does the whole process work? So we were somewhat prepared in that way and they learned a lot about the legislature and then they got to actually see it and actually testify. And that’s way better than being a page when you’re actually involved. Invested. It’s way better. They learned so much. And in hindsight, it was great for them, but it was not always easy along the way.
So now I think that’s pretty much everything that’s happened on the
turtle so far in the last couple years. Wait you gotta mention the fact that the bill got passed and then signed. Oh, correct. Yes. The bill. Yeah, the bill got signed by the governor. It did. And then your legislator, we made him here of the week. So you can see the, I think the picture is the picture of the bill signing, right? Yes, correct. Yeah. So he he did a great thing and he has a lot to be proud of. So this is, for someone like him, this is an important accomplishment and that’s a great thing. Yeah. Correct. Yeah. Our John Sharda our prime sponsor, he was amazing. He was just a turtle. He, and no matter what hate he got and comments and he just kept smiling and laughing and he was such the spirit. I was not super hopeful that we would get anything passed and he just was super positive and hopeful and just kept hurtling. He did not give up. He did not lose his cool. And he was very to the point and didn’t waste people. He was just so high integrity throughout the whole process. He was just a joy to work with. Absolutely fan. And that’s why I believe in America, if you look at all the time that people spend watching sort of politics or being involved in ways that don’t support people like him if you look at the great legislators that we have both somebody like Massey in Congress who just got the worst build stopped or John or Frank nicely in Tennessee. If you look at these people and how much they get accomplished, look at what your support has achieved working with them. And I just wanna say, I think. In terms of our time, they’re one of the best investments in the country. They can do amazing things if we will support them. And as you said, they can’t they can’t stand up against bad things if they don’t have that support. But if they have that support, they can get amazing things done.
I love your different stories because you demonstrate that again and again.
Yeah I just, I asked him, what do you want? I’m here to support you. What do you want? And then he told me what he wanted and I did what he said as best I could. Because that’s what I need to do. He’s spending the time to go do that. In South Dakota, in my opinion, it’s basically a volunteer job, essentially. They have no staff. They hardly get any money for the time that they spend up there. Some days are long and some of the people and lobbyists you have to deal with are icky, right? Let me say icky. We have some fantastic legislators, but we also have some icky lobbyists and we have some icky legislators too. So I’m just so grateful that he sits up there and does that. It’s hard work. Yeah. And anything I can do to support him, and that’s what I tell him. Anything I can do to support you, you tell me what you need and I’m gonna try and do it for you. So that’s just my attitude about it.
So one of the things we are trying to do, or he wants us, or we’re trying to
help him with, is clean up our district. So we have two legislators in our district, another representative and a senator that are voting against us all the time. So all he does is John Sharda does, is go up there to peer to the capitol and vote and cancel out the other representative from our district. Basically, that’s what happens on every single vote. Every vote. So one of the things we’re working on right now is trying to identify people to run against those two, the senator and the other representative. So we already have someone who just filed last week to run in the Senate. So that’s awesome. He’s gonna be great. I think he’s got an excellent chance. It’s gonna be great. We just need one for the house. And so we have two possibilities right now for the house, and if neither of those work out, then my husband’s gonna do it, which will be really, yeah. Oh my God. And in fact because of the cash bill, we have another actually Solaris subscriber who came and testified with us, who is doing the exact same thing. She’s cleaning up her district and if she can’t find people to run against the people that need to be out, she’s gonna do it. So she’s doing That’s wonderful. The same thing we are, my husband does not wanna be in the legislature. I don’t want him up there. It’s just ’cause I, that means I’m gonna have to probably be up there sometimes. We have work, we have a kid at home still. We have farm life, we have other things. But if push comes to shove and we can’t find one, we can’t get one of those other PE two people to do it, then my husband’s gonna have to do it. And I think because he wouldn’t have never ever considered it, but because I made him testify in the cash bill and he saw it and he saw that John Arda is up there by himself from our district and that he saw the other representative and talk to them at lunch and everything. He’s these guys have to go. And I’m like, yes, exactly. So if we can’t get these other two people to go, you have to go. He said
so he’s going, that means he’s going.
But hopefully hopefully the one of these other two people will work out. But literally because of the cash bill, now my husband’s at least open to going to running. How long is this session in South Dakota? Is it four months? It’s four days a week for 10 weeks. Okay. That’s it. But those four days a week could be 8:00 AM till 6:00 PM Sometimes they’re long days. They’re long. Very immersive days. It can be. Yeah. So it’s only four days a week for 10 weeks. But it’s intense. And it’s in p and that’s Pier is, I mean it’s a three, three from us. It’s a three, three and a half hour drive. It’s a drive and it’s a rural place, so a lot of the legislators have to drive to three, three and a half hours to get there. Yeah, so that was one sort of side outcome from the cash bill. But I wanna talk a little bit about future turtle moves. So what’s the turtle gonna do next? So one thing we are doing is we are promoting businesses that offer a cash discount. So if there’s a business that either charges more for credit card purchase or offers a straight up cash discount, we put them on a flyer and we now have a website called SD for South Dakota cash discount.com, where we list all those businesses with links to their business. And they’re organized by location in South Dakota, so by the city that they’re in. We want to add more businesses to the list. We haven’t started promoting it yet. This is literally a list I put together just from team Cash and friends and family. I haven’t started promoting it at all yet. I’m just trying to get more businesses on the list and trying to get the website. A little more solid. And so in the fall, probably late summer to fall is my plan to start promoting that, and I’m going to use that. So this came out of our cash at Retail Fail. So instead of maybe going for the legislation, we’re gonna promote businesses that offer a cash discount and potentially use that. Promotion for me to go back on the speaking tour and talk about cash again, because now I have a new flyer, I have a new handout, and I have a new topic. Cash businesses, let’s all shop and eat at these businesses and let’s not shop and eat at these other businesses that don’t take cash. Is the kind of corollary to that. The other thing we can do with this is we could go for a joint resolution in the legislature, so we could bring this as a joint resolution to promote the use of cash businesses, and then we can refer to the flyer in the website. So that’s another way to bring cash, the word cash back to the legislature. Next session is to go for a joint resolution. So that’s one idea we might do that. So I have to tell you, I think this is brilliant because the people who are afraid to who say we’re with you, but don’t mention my name or they love to be for something. So if you give them something to be for, we’re for these businesses doing this and we support this business, they will be much more willing to come off the outside of to come off the bench and really support you openly. And that’s so that gets them in and that’s great. Exactly. Exactly. The other things we might do in the future, John Charter’s talking, we’re talking about what we wanna do for cash next session. We might go after the Board of Regents. The colleges unfortunately they, they’ve been cashless for a long time, so that’s harder I think than we pr We targeted the public schools, which had just started the new system. The Board of Regents has been cashless in their ticketing for a long time, so I’m not sure we might go for that. We might go for concessions. Must accept cash. Although we don’t have a concession problem in the public schools because most of the concessions are run by the booster club who don’t wanna give away 15 to 16%, 15 to 20% of their revenue. So most of the concessions are cash. Ironically, by the way, in the Sioux Falls school district, it’s cashless to get in and the concessions only take cash because they’re run by the parents. So that was another pretty interesting thing. Oh, I should mention also, one thing I did not mention that helped us is that the cashless ticketing, they marketed for us. So we had a senator and a representative turned away from a school event in Sioux Falls from their, and they aren’t even from Sioux Falls. They were from, they were going to an away game for one of their kids or grandkids, and they were turned away because they wanted to pay with cash or only had cash. One of them I think ended up getting someone else to pay for them, and then the other one had to go back to their car, find a credit card, and then come back. So that helped us, the fact that the, like the cashless system, they actually helped us by educating the senator and representative who might not have voted for us otherwise. So we got lucky on some of this cash at government. We might go after cash at government. So the, so in other words, things like the DMV must accept cash, things like the public water utility must accept cash. That’s, it’s a little different than going after cash at retail. I think the legislature would probably go for that. The problem is we don’t have a problem with it. So it’s not like the DMV went cashless. If the DMV went cashless in South Dakota, WI think I’m confident we could get that passed. But given that there is no problem, like why pass a bill to solve a problem that doesn’t exist? That’s the thinking of a lot of the legislature. So I’m not sure if we’re gonna go for that. We might go full on and just go for cash at retail again. Just be better prepared. We could try again and with just, we would definitely have better statistics, better pay, better handouts, better lists of businesses. We’d have all kinds of things. If we went back with that, we might try that. We might try the joint resolution promoting the cash businesses. I’m pretty sure we’ll come back with some kind of cash legislation. At least I’m gonna push for it just to get the word cash mentioned in the legislature again. And we’re just gonna keep turling and keep talking about cash as much as possible because if we all pay with cash in South Dakota, we’re gonna keep our freedom. So one of the things I used to, or I always do, is I picked out three one minute videos showing the plans to do complete digital control of financial transactions. So there were three one minute videos that the first three videos in our financial transaction shorty video list. And I would sit down, this was always on the finance committees, and I would show them these three one minute videos and their mouth would just be on the floor and they would say, I have, I had no idea that this was in the works. They just had. Did you ever do anything like that to show them the danger down the road? I did in one of my speaking events at the groups, my speak, I call it my speaking tour. I did do that in one of them and it was pretty effective. And if I go back, I’ll probably go back on the speaking tour in the fall for this cash business event that flyer and I will probably bring those videos with me and see if. See if I can’t get some people to look at some of them. We know in the past, when it comes to cash Central bankers,
we’re very much in control with all aspects of cash.
And now we’re comfortable to the point where the private sector plays a big role in the printing of the cash and distribution of the cash. And with the private sector, we use interest rates to manage the supply of cash. The same thing is likely to happen with CBDC. Yes, the Central bank will have a role, but at some point in time, the same way we don’t call it Central Bank Cash, we’re probably gonna stop calling it Central Bank Digital currency. It’s going to be a digital form of the cash. And at some point in time, hopefully we’ll be able to be a hundred percent digital. I said that we’re in a hybrid model, there’s less and less use of cash. And I think the tra from.
Predominantly digital with a little physical.
I think the transition to fully digital is not going to be a stretch. People are used to it, people have engaged in it, and circumstances did help. Is adoption rates increased because of Covid? Yeah. This is where contactless started to became something of a necessity, something of convenient safety, something of a requirement. And because of that, there is very little resistance. Trust is already there. We just need to build it. The second thing that’s happened is the disasters that have been going on. So in the hurricane and the weather in eastern Tennessee and western North Carolina you heard constant refrain. Thank God we had cash. I wish I’d had cash. Thank God we had cash. We’re gonna look at the New Zealand the governor of the New Zealand Central Bank and New Zealand has just had a cyclone and they’ve been through it. The after effects of the cyclone were very devastating, and now he’s talking about real risks. So let’s just hit it.
Our biggest activity at the bank here with regard to climate change is our
financial stability work around making sure that the financial systems are both prepared and resilient, but also doing their part in pricing and identifying risks and working with their communities. The way through that is real. That’s live. And and this is real example and other angle which I will state. So it’s well noted as resilience in our banking system. Our drive to cashless society shows how vulnerable we are. This is why we have been doing the work on cash and cash distribution throughout the economy. De-risking, de branching pricing cash management out of use increases risk, reduces resilience. Yeah, no cash. You think that’s a good idea. It increases risk and it reduces resilience. Get it through your head. And after that one, and now two of the Scandinavian central banks have said, given what’s going on with disasters around the world, we made a mistake to try and go all digital. We’re gonna roll it back and encourage cash, which is for Scandinavia to do that. That’s a major turn. So something is also happening with disasters. Has that issue come up in South Dakota? We’ve had some legislators talk about that. That was one of our talking points in testimony. And we’ve had some legislators testifying or testifying with us for us on the floor, who’ve mentioned that. That talking point here doesn’t seem to have a lot of resonance, unfortunately. I hate to say we need a disaster in South Dakota but maybe we do. I don’t, I, it just doesn’t really resonate with people for some reason. But we have made the point. I think the other thing to note in South Dakota, not to brag, is we have amazing utilities. Unbelievable and unbelievably run. I can’t believe how well our electric company runs and how well it’s managed. It’s unbelievable. It’s better than anything I’ve ever seen. So we tend not to have outages, or issues with that kind of stuff. So I don’t know. I think sometimes you need it to happen to get it to really resonate with people.
Okay.
Susan, any more you wanna cover today? I think we’ve covered most of the turling and I’m just gonna keep turling on this and see where it takes me and my family. And there was a big debate at C about the six pillars of building wealth. The sixth is turtle. Turtle fourth. And there was a, that one of my partners thought we should subsume that in one of the other pillars. And I said, no, that’s the most important pillar. If you keep turling you’ll figure out the other five. And so the trick to all of this is you’ve got a turtle. So you’ve picked up on the turtle the importance of turling. So just say a little bit about
what it means to turtle.
It just means you don’t stop and you just keep going and you have faith that the next step will come to you eventually. And Turling doesn’t mean I work on this full time. I don’t. But when there’s a step to take or a cashless system that all of a sudden gets introduced, it’s time for the turtle to pop its legs and arms out of its shell and take a few more steps, right? And I just have faith that it’s not always easy, but I have faith that for some reason this is all gonna work out and it’s all gonna be great. And if we can get everyone in South Dakota paying with cash all the time, a lot of these other control issues just go away and we’re gonna keep our freedom. And we don’t have to, it doesn’t matter if a billionaire comes in and buys our governor or buys our state legislator leaders or buys our city council in our local town, if we’re all paying with cash, we’re still gonna have some level of freedom at the end of the day. If we refuse to comply with doing anything else and refuse to shop at businesses that don’t take cash and always pay in cash, we’re always gonna have our freedom. What’s incredible is because you just started and kept going. So in a period where so much is uncertain and so much is unknown turling, you just make it up as you go. And if you look at what you’ve accomplished, it’s remarkable, but you just never quit and you just kept making it up. Or people would show up with ideas and things would happen. So anyway, I think it’s a great demonstration of what can happen if you just keep tarling Anyway, so I can’t thank you enough, Susan. It’s been very inspiring to watch what you’re doing and if people wanna support you or if people wanna reach out to get help with what they’re trying to do in their state. How did they find the materials? How did they find you? How did they connect? Your team did a wonderful website on financial transaction freedom, right? And that has all my documents, all my flyers, all my pictures of my kayak and my truck. Oh, we did a cash, we painted, put some paint on our truck too, and drove that around. It has all our talking points for testimony, copies of our bills, statistics, everything. Please use it. Please take it. Please plagiarize it, take it, make it better.
I would’ve loved to have had this as a starting point when I started, so please
use it for Halloween, Easter, everything if it can help you, please use it. Please take it. You can message me, you can find me on Connect or on solarity to, if you wanna message me and ask more questions or get more details. But I think all the documents are there and I hope other people can use them, and I hope they’re useful. So if I’m a Solari subscriber in South Dakota, I can find you through C Connect and if I wanna support you on Team Cash, can I do it through Connect? I’m not really taking any donations or anything. I’m not looking for money. People have offered me money and I don’t really take it. I’m I’m not talking about money but I’m assuming if you, on your next step with legislation, the more people you have on Team Cash who can go out and push their South Dakota legislators, that would be helpful. Yeah, for sure. Yeah, they can finance on Ary Connect or you can put you can put my email, I don’t know if my email’s on anything, but you can put that, or you can contact, put in a Ask Catherine or something and you can send up my email or whatever. They can find me, they can pull my name and probably find my phone number, honestly. So I think in we did a pushback on your Halloween package. And I think you provided an email in there as well, so Exactly. I have no problem with that. You can put my email in the notes if people wanna reach out to me. We do try to have meetups in South Dakota. I’ve been working a lot on cash, so we haven’t had one recently, but we will have another one eventually and hopefully get more people together. But the Solari Network has been amazing help in South Dakota. We’ve all, because of the meetups and people I’ve met, seven of the 38 members of Team Cash are from Solari, which is amazing. ’cause South Dakota’s not a big state, if you’re in South Dakota, you definitely wanna pile in. That’s what I think. Anyway, so you want to, you wanna be turling for cash with Susan. Anyway, Susan, thank you so much. Thank your kids, thank your husband. Thank the whole family for everything you’re doing to protect our financial freedom. It’s deeply appreciative and I’m just so grateful that you joined us on the SLE report. This has been amazing. I’m sure it’s gonna inspire actions all over the place and it just goes to show you one person can do tremendous things. It’s amazing, but they can, and now your kids know it, so they’re gonna be frightening.
Exactly.
Anyway have a great day, Susan. And ladies and gentlemen, thank you for joining us on the Solar Report. Some good news out of Bat Ship, bonkers Britain, although I’m on the Isle of Man right now, which does not belong to Britain. But anyway, cash. So cash for the first time in a decade. Cash use has gone up and it hasn’t just gone up by a little bit. It’s gone up by 7%, which is actually massive and hugely bucks the trend. And it’s the trend of this thing that really matters. So for the longest time, over a decade, cash has been on a massive downward trajectory. And you will know that the plan is to get rid of cash to digitalize everything. And in fact, a bank called, I think Macquarie in Australia has just come out and said by November, 2024, no more cash, no paying in, no checks, no nothing, all digital. But because of glorious people in the uk, and I would like to say a huge well done to anybody involved in campaigns to keep our cash or keep our cash campaign, whatever you are being glorious. So a 7% uptick, if you look at the graph, it’s sizable, it’s substantial. Mainstream media are trying to explain this away. They are saying it’s due to the cost of living crisis. And people find it easier to budget if they have cash, which begs the question why are you getting rid of it? Then if it helps people budget, but they do not want to acknowledge that. Actually, one of the reasons I believe that there is a shift and a dramatic shift in the trend is because of people like you, good people who are determined to use cash more to stand up for cash so that it does help our elderly. So it gives people a reason to have conversations so that people have a form of currency they can use, where you can’t also be tracked where someone one day can’t just turn it off or take it away from you or control you by the use of your digital currency. So I choose to believe that this massive 7% uptake in the use of cash is down to you, is down to the massive. Silent majority that want to keep cash and are beginning the fight back. And the one thing I say to everyone when they ask me What can we do more of what pisses people off, the people that are trying to control us, the way we fight back is we do more of it. You, they piss you off by trying to make you a bloody locus sucking person, eat more damn meat. They want you to travel less, fly more, and they want to take away your cash today if you can. Try and do one transaction that you would’ve done by card. Try and do it with cash. We need to keep cash alive. It’s a great conversation point for our elderly. It’s a brilliant way of being able to live our lives outside of the control of the tyrannical state. And I want you to look at that graph and the uptick and know that you guys are fighting back, and that graph shows you that we are starting to win.

Downloads

Turtling for Cash

May 20, 2025

By Catherine Austin Fitts

When the Solari Report launched #CashFriday in 2021 (inspired by a suggestion from Mary Holland of Children’s Health Defense) and later broadened it to #CashEveryDay, many of our subscribers took our admonitions about the importance of cash to heart.

One of those was Susan Luschas, PhD, a South Dakota subscriber whose willingness to steadily “turtle for cash”—through actions and pushback at the neighborhood, community, and state levels—has made a huge difference in her state. Susan joins me this week to share the story of how she became a warrior for cash, to describe her state’s impressive legislative victory, and also to reflect on lessons learned along the way.

When the Sioux Falls School District eliminated the cash payment option for school events, Dakota News Now asked Susan why protecting the freedom to pay in cash was important. She effortlessly enumerated four key talking points:

Why pay with cash at events? Number one is to give your school more money with no transaction fees. Number two, to support low-income, elderly, and students making a healthy choice not to have credit cards and smartphones. Number three so your location isn’t tracked via QR code. Number four, cash is legal tender and ensures our financial freedom.”

One of Susan’s interesting observations is that South Dakota legislators are loathe to regulate business in any way, which meant that lobbying them to require businesses to accept cash was an issue unlikely to gain traction. On the other hand, she found that if state leaders could be shown that the school district’s cashless policy was indeed discriminatory, they were amenable to intervening with legislation. This insight into state government culture was part of what helped Rep. John Sjaarda, Susan, and her “Team Cash” allies get a landmark bill passed earlier this year that requires the state’s schools to accept cash at school-affiliated events.

The grassroots powerhouse that Susan refers to as “Team Cash” has grown steadily and currently includes over three dozen cash enthusiasts (Solari subscribers as well as other South Dakotans). Two individuals who testified before the legislature are considering running for office. Turtling for cash has also provided Susan’s high-school-age daughters with a revealing civics lesson, particularly as they encountered both backlash and secret allies in their school.

Subscribers who want to “turtle for cash” or take other local or state actions to protect financial transaction freedom will enjoy hearing about the lessons, setbacks, recrafting of strategies, and achievements that Susan describes so charmingly in this interview. Be sure to check out the wealth of materials posted at the Turtling for Cash with Susan Luschas website (a component of Solari’s Financial Transaction Freedom website).

Susan can be contacted at sdacy@alum.mit.edu

Money & Markets:

In Money & Markets this week, John Titus and I will cover the latest events and discuss the financial and geopolitical trends Solari is tracking in 2025—and the pushback rocking and rolling us around the globe. Post questions at the Money & Markets commentary here.

You can also post at Subscriber Input or Ask Catherine & the Solari Team.

Related at Solari

Turtling for Cash with Susan Luschas (website)

Financial Transaction Freedom (website)

Hero of the Week: March 17, 2025: South Dakota Representative John Sjaarda

Action of the Week: October 28, 2024: Cash Is King

Using Cash

#CashEveryDay

Monthly Briefings for State Leaders: Model Gold Legislation with Tim Caban and Susan Luschas – Video Presentation Now Available (search for Susan’s remarks in transcript)

Using the U.S. States’ Constitutional Powers to Preserve Sovereignty and Financial Freedom: How We Can Stop the Coup (PDF)

 

 

 


Latest solari reports



Latest Money & Markets and Ask Catherine



LATEST SOLARI culture


MOVIE

BOOK REVIEW

MUSIC

HERO

ACTION


Log in or subscribe to the Solari Report to enjoy full access to exclusive articles and features.

Already a subscriber?

  • The popular and informative Money & Markets show co-hosted by Catherine Austin Fitts and John Titus
  • Weekly interviews with top guests, and quarterly deep dives into major trends affecting you day-to-day
  • Aggregation of the most relevant news stories
  • Subscriber-only events and a digital platform to connect with other subscribers
Learn More

© 2025 The Solari Report