Many believe that the Federal Reserve is some government entity that is created in the United States in order to hold some large amount of gold or money to pay for the United States debt. In contrast, the Federal Reserve is not federal, and there are no reserves in it. In contrast, it is something that is a collection of big banks, a cartel, that is meant to increase the interests of its shareholders, such as the big banks and their affiliates. The rest of the world is going to have no money to retire on while the biggest of banks are reaping many dollars from the American public. It is quite a sad though; however, it is the truth. One thing that does need to be talked about is the wealthy who are making so much of the money. We are not saying they are evil; we are just saying is "how do you join the ranks?"