In this short yet powerful episode, I present a clear and complete explanation of the Excellent Monetary System (EMS): an additional monetary system designed to enable real, debt-free money creation in service of the public interest.

I walk you through its step-by-step implementation, the role of the central bank, and how public spending can be financed without taxes or borrowing—while maintaining transparency, legal control, and democratic oversight.

The EMS structurally complements and transforms the existing monetary order, offering governments a way to meet social needs and invest in the future without creating inflation or financial dependency.

Discover how the EMS proposes a revolutionary but complementary solution: truly additional, debt-free money creation. This episode explains how EMS offers structural relief, economic resilience, and the potential to break the cycle of scarcity, taxation pressure, and debt. It challenges conventional thinking about inflation, explains how governments and citizens could thrive without additional tax burdens, and invites you to imagine a healthier, more balanced financial system.

🔗 For more in-depth insights, articles, and my book in 17 languages, visit: linktr.ee/wtmberendsen

🎯 Topics covered:

monetary reform, The Excellent Monetary System,  EMS solution, debt-free money, systemic inequality, inflation myth, economic sustainability, root cause of economic problems, complementary monetary system, next global monetary system, monetary reform.

We unpack the systemic causes behind this, including why the money supply can never cover total debt obligations due to interest, and how Keynesian economics often worsens the problem instead of solving it. The illusion of prosperity built on debt is unsustainable — and dangerously misleading.

Finally, we introduce the Excellent Monetary System (EMS), a radically different approach that enables real additional money creation without debt. If we are to break free from the debt trap, we must rethink our monetary foundations. Tune in to understand the trap — and begin exploring the path out.

From inflation to cost pricing, from government policy to income inequality—everything has a monetary dimension that's often ignored. I show why this broader interpretation is essential for real systemic change, and how the Excellent Monetary System provides a structural solution.

In the coming episodes, I’ll also explore various reform ideas like full reserve banking, universal basic income, Modern Monetary Theory (MMT), SUMSY, and of course, a deeper dive into my own proposal: the Excellent Monetary System (EMS).

We reveal how commercial banks create money through debt — not through real value — and explain why this system never produces real, additional money. Instead, it guarantees a vicious cycle of borrowing, repayment, and rising inequality. As long as this model remains, economic collapse is not a risk — it is inevitable.

This episode exposes how debt-based money creation leads to widespread financial strain, growing societal inequality, and structural injustices like the housing crisis. And more importantly, it presents the solution: the Excellent Monetary System — a life-centered, healing-based monetary model that breaks with debt-dependency and accounting logic.

🔹 Key insights from this episode:

Commercial banks create money solely through debt.

No real, net-positive money creation exists in the current system.

Debt-based money creation leads to infinite financial pressure and collapse.

Inequality and social exclusion are structurally built into this model.

The only real solution is a new system: the Excellent Monetary System.

Listen in to understand how this debt-based model affects your life, your income, and your future — and why now is the time to demand a system that serves people, not balances.

This episode of the podcast however, of course, by far not fully covers what EMS entails. For getting the bigger picture, to get to understand the relations enough, the former episode about inflation but also quite some parts of the episodes that follow after this one have to be listened to and get to be understood.

The Excellent Monetary System (EMS) is not just an option for improving the current monetary system, but the EMS is the only possible and highly needed replacement for the current worldwide monetary system. If the current monetary system is not replaced in time, this will lead to ever growing economic and financial problems in worldwide societies. Till the moment that the whole worldwide economy can not function anymore with the current monetary system. Then, the current monetary system HAS to be replaced by my Excellent Monetary System and the specific economic systems belonging to it. There is no other solution.