Dr. David Eifrig is a financial advisor who has a “lockdown” on the stock market. He has a financial plan that is a “lockdown” on the market’s direction. He is a “lockdown” on the market’s performance. He has a “lockdown” on stocks.

Dr. David Eifrig, a financial planner with major Wall Street firms, released his book Tuesday, “Financial Lockdown: How to Protect Your Financial Future in the Wake of the 2008 Financial Crisis”. It’s a book that examines the events of 2008 through the lens of financial planning. It was written after the collapse of Lehman Brothers, the financial collapse of 2008, which prompted Dr. Eifrig to form an investment firm he named “Financial Lockdown.”

Dr. David Eifrig’s “financial lockdown” is about more than just keeping up with your bills. It’s about keeping your finances organized so that you can handle emergencies, take care of obligations, build wealth, and actually save money. It’s about making sure that you have enough of the right kind of money, so that you have the ability to get ahead of your problems. It’s about being your own boss, so that you can do the things you want to do, when you want to do them.. Read more about financial lockdown coming and let us know what you think.

I’ve been getting a lot of emails from Stansberry Research recently, and one of them directed me to a presentation by Dr. David Eifrig on a “financial lockdown.”

According to David Eifrig, he hopes that the presentation would serve as a “last wake-up call” to Americans about what he considers to be “one of the biggest inflationary eras” in American history. And to tell you about his “four-step strategy” for safeguarding and increasing your money.


Is this the genuine article?

Dr. David Eifrig makes some alarming comments regarding inflation and a failing currency throughout his presentation; the entire thing was very “gloomy.” However, he makes some valid arguments, and the program he’s advertising, Retirement Millionaire, is genuine in any case.

In this post, I’ll take you through Dr. Eifrig’s major argument and show you what’s involved with the “solution” he’s selling so you can decide if it’s worth it.

David Eifrig’s Prediction of “Financial Lockdown”

Dr. David Eifrig starts the “financial lockdown” lecture by telling a tale of a soldier called Rick Rescorla and his experience on September 11, 2001.

In a nutshell, he recounted how Rick Rescorla, Morgan Stanley’s director of security at the time, escorted hundreds of Morgan Stanley workers to safety.

Dr. Eifrig then discusses people’s “denial and procrastination” phases during times of crisis, claiming that one of the reasons Rick Rescorla was able to assist so many Morgan Stanley workers was by helping them “push through the denial phase fast and spring into action.”

He then compares 9/11 to what is now happening in America as a result of inflation and currency debasement, and says he wants to help people get out of denial and procrastination.

Today, in my own modest manner, I’d want to do for you what Rick Rescorla did for thousands of Morgan Stanley employees: I’d like to help you break free from the “denial and procrastination” phase.

I’d want to motivate you to take action.

Dr. David Eifrig is a neurologist who specializes in the treatment (source: stansberryresearch.com)

I’m not sure I agree with exploiting a tale of such courage as part of a marketing for an investing service during a time of catastrophe like 9/11. However, it is how Dr. Eifrig begins the lecture.

He next discusses inflation, which is one of the most frequently discussed issues for 2021, and how costs for almost everything are rising. From automobiles, houses, and food to energy, healthcare, and commodities, there is something for everyone. And how this is going to result in a “financial lockdown.”

One of the most significant eras of inflation in American history is about to begin.

And make no mistake: inflation will force millions of Americans out of the middle class, private retirement, and private health care. and out of a good existence based on autonomy and privacy… into a collective nightmare I’m calling:


The “financial lockout,” according to Dr. Eifrig, is “what occurs when people are imprisoned by their own failing currency and highly indebted government.”

While the presentation may be a little exaggerated, the reality remains that inflation is on the rise. Moreover, increasing inflation reduces the buying power of currencies such as the US dollar.

This is a complicated and intricate subject, but increasing inflation basically implies that your money’s buying value diminishes over time.

This has been going on for decades and isn’t new. It’s simply that inflation seems to be speeding up as a result of all the “money printing” and government expenditure.

Meanwhile, as Dr. Eifrig points out, many people believe they are becoming richer since the values of assets such as real estate and equities are rising in tandem with the cost of living.

As David explains, this is known as Money Illusion, which occurs when individuals evaluate their wealth in dollar terms rather than in “real” values that account for inflation. He claims that this causes a frenzy of gaming, stockpiling, and speculation, which he claims is now occurring.

The Money Illusion, you see, always causes a frenzy, promoting enormous gambling, hoarding, and speculating… while everyone tries to keep up with the latest “get rich fast” tales in the news

Dr. Eifrig mentions the growth of stock market speculation, the NFT craze, and the current “trophy tree” fad as instances of “gambling and speculation” in America.

Dr. Eifrig basically sums it up by stating that we are at the start of a “New Inflationary Era,” which may create a slew of issues, particularly for retirees.

I think we will face a major retirement problem… Money, assets, and programs that retirees rely on today (such as IRAs, 401(k)s, insurance policies, annuities, pension plans, and so on) all depreciate in real terms.

Despite the presentation’s “doom and gloom” tone, Dr. Eifrig is correct in his assessment of the effects of inflation and monetary debasement.

This is a topic I’ve spent a lot of time studying about over the last several years, and although I don’t agree with everything he says, I think he does a fantastic job of breaking it down.

He then presents the “solution” to all of this, a “four-step strategy” he developed to help you preserve and increase your money, after he’s through talking about the issue.

So let’s take a look at what’s going on here.

What is the “Four-Step Plan” of Dr. Eifrig?

Raising interest rates has been one of the ways the Federal Reserve has battled inflation over the years. And, as Dr. Eifrig notes, Paul Volcker did the same thing in 1981 when he increased the federal funds rate to 22.36 percent.

However, as Doc points out, interest rates are unlikely to rise this time due to the high level of debt in the United States, as well as the fact that most people are likely to prefer more stimulus and looser monetary policy to the short-term pain of raising interest rates, even if that is the solution.

The unfortunate reality is that Americans are no longer prepared to bear any economic hardship in the near term. As a result, there will be widespread demands for even more bailouts, debt, and stimulus, all of which would exacerbate the situation.

So, what is the answer, according to David Eifrig?

Dr. Eifrig provides a number of “steps” you may do that correspond to a special report he’s prepared, similar to what Andy Snyder does in his “Death of Cash Prosperity Kit” presentation. To have access to such reports, you must pay $49.00 to become a member of Retirement Millionaire.

There are four “steps” in total, each of which requires reading a report:

  • The New Era Playbook is the first step (report)
  • Step 2: The Inflation-Affected Portfolio (report)
  • Step 3: The Stock Boost of 100% (report)
  • Step 4: In a Time of Crisis, The Two Most Valuable Assets (report)

The first step is to study the “New Era Playbook,” a paper on navigating the “New Era of Inflation” that Dr. Eifrig mentioned earlier in the lecture.

The second step is to study Dr. Eifrig’s paper, “The Perfect Inflation-Era Portfolio,” which outlines how you should structure your portfolio for the next several years.

Third, Dr. Eifrig’s “proven method for increasing the profits on every investment you make” is revealed in The 100 percent Stock Boost report.

Finally, David Eifrig discusses two assets that he believes are the most valuable assets in a crisis in a study titled “The Two Most Valuable Assets In a Time of Crisis.” And it seems that at least one of these suggestions isn’t related to gold or bitcoin.

Overall, these four papers make up Dr. David Eifrig’s “four-step strategy” for protecting and growing your money during what he calls the impending “financial lockdown.”

To get access to these reports, you must first become a member of Retirement Millionaire. So, let’s have a look at what this service is about and how it works to see whether it’s worth your time.

What Does It Mean to Be a Retirement Millionaire?

Dr. David Eifrig’s Retirement Millionaire is a financial advice service produced by Stansberry Research that aims to assist customers have a more successful retirement.

For the entire narrative, read my review of Retirement Billionaire, but this advice is essentially about helping you “live a millionaire lifestyle” throughout retirement with less money.

And, to assist you in doing this, Dr. Eifrig demonstrates how to earn money and build wealth via the stock market, as well as how to conserve money.

For example, he suggests securities that he believes are valuable, tells you how to possibly increase your 401(k) or IRA, and provides you advice on how to stretch your money further.

As a result, it’s basically a tool for planning and managing your retirement. The goal is to learn from Dr. Eifrig and the Stansberry Research team via the monthly newsletters, reports, and other materials you get as a subscriber and then select which suggestions to implement.

Stansberry Research does not offer a complete history of how well this service has performed over time. Dr. Eifrig has, however, suggested several excellent equities as part of this service throughout the years, as I describe in my complete review (mentioned earlier).

What exactly do you receive when you join Retirement Millionaire?

The monthly newsletters, which are given out to members via email on the second Wednesday of each month, are the primary element of the Retirement Millionaire advice.

Dr. David Eifrig and the Stansberry Research team provide insights, market analysis, retirement advice, and specific recommendations in each issue.

If you join via the “financial lockdown” presentation, you’ll also receive access to the model portfolio, updates on the suggested holdings in the model portfolio, and some bonus reports.

You’ll get the four unique studies I mentioned earlier, as well as a complete “library” of additional Stansberry Research reports and a copy of Dr. Eifrig’s book, Retirement Secrets.

How much does it cost to become a member?

With Retirement Millionaire, you have two membership options:

  • Standard ($49): Includes the Retirement Millionaire newsletter, portfolio, and extra reports I mentioned before.
  • Premium ($79): This membership includes everything in the Standard membership plus four additional bonus reports and a 12-month subscription to Stansberry Innovations Report, a distinct advice service.

It’s worth mentioning that, regardless of whatever membership level you select, Retirement Millionaire automatically renews for $199 each year.

Is there any kind of assurance in place?

Following Dr. David Eifrig’s advice does not ensure that you will earn or save money. Even though Dr. David Eifrig is an expert in the field of investment, he cannot foresee the future, therefore anything may happen.

However, there is a 30-day money-back guarantee, so you can basically “test” the service for a month and then seek a full refund if you don’t like it.

Who is Dr. David Eifrig and what does he do?

Dr. David Eifrig, Jr. (often known as “Doc”) is a medical doctor and a former Goldman Sachs investment banker. He is also one of Stansberry Research’s most well-known analysts.

Doc spent almost a decade on Wall Street prior to joining Stansberry Research, and after realizing it wasn’t for him, he moved into medicine and established a biotech business.

He then went on to work at Stansberry Research, a well-known financial education firm, where he now leads three advisories: Retirement Millionaire, Retirement Trader, and Income Intelligence.

Retirement Millionaire is his most affordable service, while Retirement Trader is his most speculative, and Income Intelligence is all about making money from investments.

He also maintains the Health and Money Bulletin, a free site where he discusses his thoughts on health, wealth, and retirement.


Dr. Eifrig basically says that inflation is rising and that the repercussions may be catastrophic in his “Financial Lockdown” lecture.

These inflationary shifts and financial lockdown, in my opinion, are now irreversible… And it has the potential to destroy everything in our nation that is distinctively American.

Your dignity, as well as your freedom, liberty, and independence.

His message is frightening, yet he makes some valid points. What’s going on with quantitative easing (also known as money creation) and fiscal stimulus, for example, is unprecedented.

At the same time, it’s important to remember that the entire “financial lockdown” issue is really a marketing for Retirement Millionaire.

As a result, some of it may be best taken with a grain of salt.

Another point I’d want to make is that, although I agree with many of Dr. Eifrig’s arguments regarding inflation, there’s a compelling case to be made that technology will lead to deflation in the long run.

I originally heard about this phenomena through Jeff Booth’s book “The Price of Tomorrow,” and I thought his perspective to be quite insightful.

As Dr. Eifrig points out in the book, we have inflationary pressures from central bankers and the government on the one hand. On the other hand, we have massive deflationary pressures in the actual economy due to technological advancements.

Here’s a video that Jeff made that explains it better than I could:


Having said that, I found Dr. Eifrig’s presentation to be interesting, and I believe his Retirement Millionaire advice service is worth investigating if you want to understand more about his retirement suggestions.

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