Schedule Appointment »
317-912-1000
317-912-1000
In the aftermath of 9/11, a shift occurred in American society. While the terrorist attacks themselves were undoubtedly tragic, what followed—a sweeping expansion of government control under the guise of security—has had equally devastating consequences. Today, we witness the far-reaching impact of collectivist ideologies across every aspect of American life, from our families to our finances.
Collectivism thrives in environments of chaos and division. Its proponents—those seeking control over others’ lives, liberty, and pursuit of happiness—have spent decades strategically embedding their ideology throughout our institutions: educational systems, media, entertainment, religious organizations, arts, business, and government.
The most disturbing aspect of collectivist movements is their indifference to human suffering. They readily accept chaos, poverty, and even loss of life as acceptable costs in their pursuit of power and control. Despite their current prominence, the final chapter in this ideological battle has yet to be written.
Literary visionaries foresaw this struggle decades ago. In 1945, C.S. Lewis published “That Hideous Strength,” featuring the National Institute of Co-Ordinated Experiments (NICE), an organization seeking total control over every aspect of human life. Lewis, writing from a Christian perspective, preceded George Orwell’s dystopian novels “1984” and “Animal Farm,” which similarly depicted collectivism’s destructive potential. Interestingly, Lewis’s story ends with the defeat of collectivist forces, while Orwell’s narratives show them triumphant.
What makes collectivism dangerous is its seductive rhetoric of unity, fairness, and equity. Behind these noble-sounding principles lies a strategy of exploiting societal divisions and amplifying extreme viewpoints. Collectivists opportunistically align themselves with any faction or deviation from traditional norms, legitimizing these positions under the banner of equity. This manufactured disorder creates the perfect environment for them to seize control over our economy, cultural institutions, and government.
We’ve witnessed this process unfold in our generation:
In the financial realm, collectivists constantly foment class resentment between the wealthy and less fortunate. They religiously adhere to Marx’s principle: “From each according to his abilities, to each according to his needs.” Every collectivist economic initiative supposedly aimed at helping working and lower-income classes operates on the premise that collectivist authorities know best who deserves wealth—the creators or the claimants. This approach should never be confused with genuine charity, as it invariably widens rather than narrows economic disparities.
Our most influential institutions—schools, media outlets, religious organizations, government agencies, entertainment companies, corporations, and banking systems—have collectively undermined the values that once made America exceptional. In today’s environment, collectivists celebrate gender confusion, condone irreversible medical interventions on children, normalize deviant behaviors, and condemn traditional values as intolerant.
The American dream itself has been corrupted. Whereas immigrants once came to America seeking opportunity through hard work and self-determination, many now arrive primarily for entitlements provided by tax-exempt non-profits and government welfare programs, rather than to build sustainable futures for themselves and their descendants.
Combating collectivism requires individual effort from those who reject its premises. We must recommit to:
Lewis understood what was necessary to overcome collectivism, allowing him to write an optimistic conclusion to his story. Orwell lacked this insight, leaving us with bleak predictions. The choice between these outcomes remains ours.
The virtues that enabled America to become history’s most prosperous society face unprecedented challenges. Yet these same virtues can still empower individuals to build financial stability for themselves and future generations, regardless of race, ethnicity, or social background.
This brings us to a point about financial independence. When individuals gain control over their economic lives, they weaken collectivist influence. Learning to manage money effectively undermines the power collectivists seek to wield, allowing people to exercise greater autonomy rather than depending on collectivist systems for “equity.” This financial self-determination fosters genuine social cohesion, making it harder for collectivists to exploit divisions.
Whole life insurance represents a powerful tool in this financial independence toolkit. Unlike many financial vehicles that expose individuals to market volatility, whole life insurance creates generational wealth without assuming risks that most people simply can’t afford—particularly the risk of outliving one’s savings. Without these guaranteed resources, more people would become dependent on collectivist systems.
The features that make whole life insurance particularly valuable include:
Building financial resilience begins with practical steps anyone can take:
When more individuals achieve financial independence, the entire social fabric benefits. Strong families with secure finances become less susceptible to governmental overreach. Communities with economically stable households experience lower crime rates, better educational outcomes, and reduced dependence on social services.
Financially independent citizens become more engaged in civic affairs, providing important oversight of government activities. They tend to support local businesses, contribute to charitable organizations, and invest in community development—all activities that strengthen civil society as a counter to collectivist expansion.
Perhaps the most insidious aspect of collectivist influence is the psychological dependency it fosters. Many Americans have internalized limiting beliefs about wealth and personal agency, accepting narratives that:
Rejecting these disempowering narratives represents the first step toward financial independence. Substituting them with empowering perspectives—recognizing one’s capacity to create value, solve problems, and build wealth through service to others—lays the psychological foundation for economic self-determination.
Economic education plays a vital role in countering collectivist influence. Understanding basic principles of wealth creation, compound interest, monetary policy, and taxation empowers individuals to navigate financial challenges and opportunities. This knowledge has historically been minimized in public education, creating a knowledge gap that leaves many vulnerable to financial manipulation.
By pursuing financial literacy and sharing this knowledge within families and communities, Americans can rebuild the intellectual foundation that supports prosperity and independence. Teaching children how money works, the value of delayed gratification, and the principles of entrepreneurship prepares the next generation to resist collectivist appeals.
Ultimately, the most effective resistance to collectivism occurs at the family and community level. Strong families provide emotional security, cultural transmission, and economic cooperation that government programs can’t replicate. Vibrant communities offer mutual support, shared resources, and social capital that make external assistance less necessary.
By focusing on strengthening these social units, we lay the groundwork for a society that naturally resists collectivist encroachment. This approach doesn’t require political revolution or confrontational tactics—simply the quiet, persistent building of resilient family and community structures that meet human needs more effectively than collectivist alternatives.
America stands at a crossroads. The collectivist vision offers security through dependence, equality through constraint, and community through conformity. The alternative vision—aligned with America’s founding principles—offers security through self-reliance, equality of opportunity, and community through voluntary association.
Each individual faces this choice in countless daily decisions: whether to save or consume, whether to build skills or seek entitlements, whether to take responsibility or assign blame. The cumulative effect of these choices will determine whether collectivism continues its advance or recedes in favor of a renewed commitment to individual liberty and responsibility.
The instruments of financial independence—including properly structured whole life insurance—provide practical tools for those choosing the path of self-determination. By building financial resilience, Americans can reduce their vulnerability to collectivist appeals and strengthen their capacity for independent action.
The battle against collectivism isn’t primarily fought in legislative chambers or courtrooms, but in the everyday financial decisions of millions of Americans. Each dollar saved rather than spent, invested rather than consumed, gives individuals greater control over their futures and reduces their dependency on collectivist systems.
While the current trajectory may seem to favor collectivist expansion, history reminds us that seemingly inevitable ideological tides can reverse with remarkable speed when individuals reclaim their agency. By rebuilding the cultural and financial foundations of independence, Americans can write a conclusion to our current chapter that resembles Lewis’s hopeful resolution rather than Orwell’s grim forecast.
The choice remains ours, reinforced through every financial decision we make. Through prudent management of resources, strategic use of financial tools like whole life insurance, and commitment to time-tested virtues, Americans can secure not only their own prosperity but also preserve liberty for future generations. This shows not merely financial wisdom but an act of principled resistance to collectivism’s advancing influence.
Tomas P. McFie DC PhD
Tom McFie is the founder of McFie Insurance and co-host of the WealthTalks podcast which helps people keep more of the money they make, so they can have financial peace of mind. He has reviewed 1000s of whole life insurance policies and has practiced the Infinite Banking Concept for nearly 20 years, making him one of the foremost experts on achieving financial peace of mind. His latest book, A Biblical Guide to Personal Finance, can be purchased here.
This free binder has the information to build your own Infinite Banking system.
