The Shadow Banking Collapse of 1772 (And The $2.6 Trillion Bubble Hiding Today)

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December 27, 1772. One of Europe's most respected banks locks its doors. Within two weeks, 20 banks collapse across three countries. Merchants are cutting their throats in the streets. The world's first global financial system implodes under mortgage-backed securities on Caribbean plantations.
Sound familiar?

In 2025, BlackRock, Apollo, State Street, and KKR are launching products to funnel Main Street investors into private credit—using the EXACT same structure, promises, and marketing language as 1772. They're calling it "democratization." I'm calling it what it is: the same playbook wrapped in modern financial engineering.

What You'll Learn:

How Amsterdam's shadow banks created the first mortgage-backed securities crisis
Why Clifford & Co.'s $900M collapse (in today's money) triggered global contagion
The 6 structural flaws that destroyed 1772—and exist in 2025 private credit
What Moody's and credit agencies are warning about RIGHT NOW
The exact questions to ask before investing in private credit funds

Critical Timeline:

May 2025: SEC loosens retail private market restrictions
Feb 2025: First private credit ETF launches for retail investors
2023: Multiple funds suspend redemptions (warning sign ignored)
Projection: $2.6 trillion by 2029

The Parallels Are Chilling:
1772: Generic bond names (L.a. A, B, C) → 2025: Limited portfolio disclosure
1772: Trust Clifford & Co.'s reputation → 2025: Trust BlackRock's brand
1772: Quarterly liquidity on illiquid assets → 2025: Redemption promises on 3-5 year loans
1772: No transparency into plantations → 2025: No transparency into borrowers
1772: 22% of Holland's GDP → 2025: Explosive growth targeting retirement accounts
Questions to Ask Your Advisor:

What are the actual underlying companies? (Not asset class—companies)
How leveraged are the borrowers? (Debt-to-EBITDA ratios)
What happens if too many investors redeem at once?
How are assets valued? Who decides? Any independent verification?
Is the fund itself leveraged?

If you can't get clear answers—that's your red flag.
Why This Matters Now:
Private credit has exploded from $1T (2020) to $1.5T (2024). Wall Street needs retail money because institutional fundraising now takes 23 months—a record. They're coming for your 401(k), your IRA, your retirement savings.
The investors who survived 1772 weren't the ones chasing the highest yields. They were the ones who understood that boring beats exciting, transparency beats reputation, and liquidity has value even when you don't need it.
History doesn't repeat, but it rhymes.
Chapters:

0:00 - The December 1772 Collapse
2:00 - Amsterdam's Shadow Banking Boom
8:00 - The Cracks Appear
13:00 - The Catastrophic Collapse
19:00 - The Modern Parallel: 2025 Private Credit
26:00 - Timeless Lessons for Investors
32:00 - Final Warning

📚 Resources:

The Timeless Investor Newsletter: [link]
Previous Episode: Overend, Gurney & The First Bank Run
Read: "Direct Lending Returns" (Financial Analysts Journal, 2023)
Read: Moody's Private Credit Warning (June 2025)

⚠️ This is not financial advice. This is financial history repeating itself. Be educated. Ask questions. Protect yourself.
#PrivateCredit #FinancialHistory #InvestingStrategy #RetirementPlanning #ShadowBanking #FinancialCrisis #WealthBuilding #TimelessInvestor