Carol Roth, financial expert and author of the upcoming book "You Will Own Nothing," joins Glenn Beck to tell Americans what we need to know — and who we need to look out for.

"It's Russia. It's China. It's China courting Saudi Arabia," Roth explains, adding that we have some issues when it comes to the dollar.

"Not just with reserves," she continues.

"But really what puts us in the pole position as well is being a huge piece of the payments."

According to Roth, we still "dominate" the payment side.

Roth is talking about the global payment system called the Society for Worldwide Interbank Financial Telecommunications, otherwise known as SWIFT. The system powers most international money and security transfers and is used to quickly, accurately, and securely send and receive information.

$100 trillion per month goes through SWIFT, and China currently only accounts for just under 2.4% of that number.

"They are working to claw their way up, they are making — trying to make — deals. They're trying to convince the Saudis to let, you know, let everybody pay, including them, pay for oil in their currency," Roth explains.

The Bank of China is even opening its first branch in the capital of Saudi Arabia, Riyadh.

Roth says that the Saudis are "playing both sides of this."

While the Saudis don't want to give up their alliance with us, Roth believes "they see the weakness coming from our president" as well as the threat of "green nonsense" that would destroy their own economy.

"Of course they're going to hedge their bets. China is the largest net importer of oil and on a per capita basis they use a fraction of what we do here in the U.S. So, there's an opportunity for growth," she adds.