Your grocery bill has jumped 40% in the last decade. Your paycheck buys less every month. You work harder, earn more, and still seem to fall further behind. You've probably wondered — is this just the way things are? Is anyone actually in charge of this? And if so, why isn't anyone fixing it?

The answers are hiding in plain sight, inside the banking system most of us were never taught to understand. Standard Banking cuts through the deliberate complexity to show you exactly how money is created, who benefits, and why the dollar has lost 97% of its purchasing power since 1913 — not by accident, but as the predictable result of a system operating precisely as designed. A pound of coffee that cost fifteen cents in 1913 costs fourteen dollars today. The Federal Reserve, the institution created specifically to prevent this, has presided over every crash, every crisis, and every boom-bust cycle in between.

But this book isn't about doom — it's about solutions. Author David R. Young lays out what sound banking actually looks like, what principles were abandoned and when, and what a concrete path back to monetary stability requires. More importantly, he shows what you, your state, and your community can do right now. Because understanding the problem is the first step to having the power to fix it — and time is running short.