The short answer is to buy commodities. Imagine that you lived on a farm and you had on site everything you needed to subsist; meat, wool, wood, water, fruits, and vegetables. Then you do not need money, and you’re fully independent. The first $100 that was printed was to get someone “in debt” by this amount so that person would buy a commodity (gas, flour, etc) The amount is paid against labor performed, labor is the worker’s capital, his/her input. Commodities are traded in USD. Today, if we all drove solar-powered cars, then we could afford to work a few hours less per week (cost of gasoline saved). You could enjoy life better with your family. But banks and the commodity oligarchs are not interested in such efficient systems. They want you to get more in debt, promoting more commodity derivatives that you may not even need. Before you purchase anything, ask yourself if you need it, and find ways to be self-sufficient (your small farm/garden, bicycle riding when possible, etc) in attempt to emancipate yourself from commodity slavery. If you inspect a $1.00 bill, it reads an instrument of “debt”, not an instrument of credit. In theory, you need less money, not more, to be free.