Richard M. Kiernicki is a disruptor, speaker, mentor, author of quadruple-award winning book, “The Capitalist’s Worst Nightmare Come True: The Crucifixion of Capital,” and creator of TIME-EQUITY.  Blessed with an intuition to question everything, after 40 years in the financial industry, mentored by/partnered with a billionaire, uncovering its secrets and lies, Richard introduces "TIME-EQUITY" in his book as a realistic replacement for capitalism.  This represents his truth as he states there is nothing more valuable than your TIME.  Why a TIME-based system?  TIME can’t be bastardized by human hands; it is fully transparent (unlike “monetary” systems), which rebuilds trust and equality, leading to a better version of democracy.  We know change is inevitable; let’s work... Read More »