➡ The text criticizes common financial advice like avoiding debt and saving for retirement, arguing it keeps people poor. Instead, it suggests the wealthy use a different strategy, called the ‘velocity of money’, where each dollar is made to do multiple ‘jobs’ or investments. This strategy, used by the government to stimulate the economy, can be applied to personal wealth to increase net worth without adding more money. The text encourages people to understand this game and use it to build wealth faster.
➡ The article explains three financial concepts: leverage, arbitrage, and cash flow. Leverage is using a small amount of money to control a large asset, like buying a million-dollar property with only a hundred thousand dollars. Arbitrage is buying something cheap and selling it for more, like buying a product in China for $10 and selling it on Amazon for $100. Cash flow is the money coming in. The author also shares a case study where he bought a car using a loan, while investing his own money in a high-yield account and Bitcoin, which resulted in a net gain of $527,000.
➡ This text explains how to use high cash value life insurance to grow money tax-free and borrow against it. It emphasizes that while this strategy involves risk, all life choices do, and it’s important to learn how to manage and mitigate these risks. The author uses the analogy of surfing dangerous waves, where surfers use tools and plans to lessen the danger. The text also warns against the risk of inaction, showing that traditional investment methods like mutual funds may not increase purchasing power due to inflation.
➡ The speaker is offering a live three-day workshop with tools and expert advice to help you build wealth and manage risk. This is aimed at helping you finish the year strong and start the next one powerfully. There’s a link to join, but even if you don’t, the speaker encourages learning to manage risk in your financial journey.

What if the financial advice you trust is actually a trap? A lie sold by people like Dave Ramsey designed to keep you working for decades. Because while they tell you to fear debt, the rich have mastered a hidden wealth engine that turns every one of your dollars into five, maybe even 10. I’ve built and exited companies through three market cycles. I’m a partner at a leading venture fund. Today I’m giving you their exact system. So stick around until the end and I’ll not only give you the blueprint their rich use to build wealth exponentially, but I’ll reveal the one simple calculation that proves why their advice is mathematically guaranteed to keep you poor.

So let’s go. All right, we’re going to jump right into it and we are going to talk about a rig game, but I’m going to give you the new game to play. Now, if you’ve watched some videos where I’ve talked about the game of wealth, the game of money, you might have seen some of these principles before because they’re a few key principles. I talk about them all the time, but I have a few new twists for you in this video, including I’ve taken feedback and I’ve got your number one objections to this, your number one fears, and I’m going to address all that, but let’s first talk about the rig game that most people are playing.

And it’s rigged because most people don’t even realize they’re playing a game. Most people go through life in this pre-programmed track. We were told when we were kids that we’re supposed to choose something that we want to be when we grow up. That’s like our job. That’s like who we are. And then we go down this, this mantra of get a good grades, get good job, save for retirement. And there’s this pre-programmed track that we go down. We don’t stop and think about the game that we’re playing. And then we have gurus like Dave Ramsey and that’s not to single him out, but lots of gurus like Dave Ramsey that give us advice to play that game, the pre-programmed game.

All right. Now let’s just hear from Dave Ramsey real quick. So you can hear kind of what I’m talking about in some of this advice. Let’s go ahead and play this clip of Dave right now. The best thing I can do is get you to save money. If I can get you to do your Roth IRAs, get you to do your 401ks, get you out of debt so that you can do that. Get your emergency fund in place so you don’t go and cash the stupid thing out. Once it’s going, keep you investing and investing and investing and investing and investing and investing and investing and investing and investing and investing.

If I can do that for you as your teacher. All right. So what he’s saying is not bad advice. As a matter of fact, it’s good advice. You should be taking some of what you earn and you should be saving it. You should do that and you should put it into some sort of investment so it grows faster. Now I don’t agree with the 401k or the mutual funds or whatever. We’re going to get more into that, but it’s not bad advice. The problem is that it’s advice for the pre-programmed game. It’s advice for people who are on the mantra of go to school, get good grades, work for 40 years, save for retirement.

Hopefully one day I’ll have a little bit of money left. It’s that advice, but you see, it doesn’t work. That’s why people are so frustrated. It’s why frustration is all time high. And as a matter of fact, more families making over 150,000, more than six figures, 150,000 a year are living paycheck to paycheck. They’re not getting wealthy. They’re not getting rich. They’re not taking big vacations. They’re not putting money away for their kids. They’re living paycheck to paycheck because they’re living this game, this rig game of this pre-programmed check. But there is a completely different game.

The wealthy play by a completely different set of rules. Let me give an example. In the book, The 4-Hour Workweek, Tim Ferriss talks about how he won a world championship, I believe, in judo. And what he did was by playing the game, the same game, but with a different set of rules. Let me explain what this is. So in judo, the objective is to get the other guy out of the ring. That’s one way you can win out of the circle. Now, they do it by weight class, as they should. You can’t have a big heavy guy against a small little guy because they could push them out of the ring.

But that’s exactly the rule that Tim exploited. So what he did is he realized it’s done by weight class. Now, he was the art of body manipulation, and he learned that he could cut down, he could reduce his weight way lower to qualify for a lower weight class, and then he could just get back to his normal weight. When he showed up for the competition, he weighed way more than the competitors, and he was able to get them out of the ring. Now, he exploited a little rule, but he played the game, and he won the game.

And the question that he posed in the book is, are you playing the game to win, or are you just playing the game? You see, the wealthy play the game is the same game as you, but by a different set of rules. And don’t worry, once you learn what the rules are, you can play them too. Now, the first thing you have to understand is something called the velocity of money. Now, the velocity of money is very important if you want to play by this new set of rules. Now, the government also plays by this rules.

You’ve probably heard of this term before, because it is a government, it’s an economics term. And it basically measures how fast money moves to the economy. All right, so if I spend a dollar at the store, the store gives their supplier a dollar, the supplier gives the gas station a dollar, the gas station guy gives so and so a dollar, that $1 moved to the economy five times. So there’s $5 of economic activity, but only $1. You see, so that’s what the velocity of money is. It’s how fast money moves through the market, but it’s the actual amount of money in the system.

So the PQ divided by GDP. So the reason why the government wants this to happen is because they need the money moving very quickly. If you remember back in COVID, back in 2020, when the entire world got shut down, locked down, the velocity of money ground to a halt. Nobody could go anywhere. They couldn’t spend anything. Everybody was afraid or be saved. They hunkered down. The government needed to get the velocity up. So what did they do? Well, they introduced trillions of dollars of STEMI stimulus to stimulate the economy. If they figured if I give you a bunch of money, you’ll go spend it.

They can jumpstart this velocity of money. Now, what I want to do is take this concept, velocity of money. The government uses it to increase the GDP without adding more money. We want to use this to increase our net worth without adding any money. How do we do that? Well, we go, how fast money moves through my assets? How fast does it move through the assets? And it’s the total amount of money invested into my assets. So it’s the total valuation of my assets divided by the amount of money I put in.

You see, per Dave Ramsey, and the gurus that try to teach you how to play the game on the pre-programmed track is make a dollar, put a dollar into a mutual fund and never do anything else. One dollar doing one job per the way the government builds the GDP. And the way I want to build my wealth is I want to get one dollar doing three jobs, five jobs, 10 jobs. All right. That’s how the government does it. That’s how we do it. That’s how the wealthy do it. Okay. How does that work? Well, we want to build an operating system for our wealth.

An operating system is a pre-programmed track, but at a different set of rules. And it’s the difference that the wealthy do. So they build these different engines that can multiply their wealth much faster. They use this velocity of wealth principle. So they get one dollar to do three, five, 10 jobs. I often like to say that the reason why you have to work so hard is because your money doesn’t. Now we can fix that. We want to take the velocity of wealth and we want to apply it to our own personal wealth.

I’m going to show you how to do this right now. But in order to understand this game and this entire strategy, you have to understand three different things. There’s three levers that we can pull to make this work and to speed it up faster and faster and faster. Number one, we have to understand leverage. All right. So leverage is basically thinking like debt. I can leverage the full value of an asset for a fraction of the asset. I can buy a million dollar property for a hundred thousand dollars. I could buy a million dollar business for two hundred thousand dollars.

That’s leverage. Okay. Now, arbitrage. Arbitrage is buying something for cheaper and selling it for more expensive. It’s arbitrage in the difference. It’s buying something in China for $10, selling it on Amazon for a hundred dollars. I’ve leveraged two different markets. I borrowed money at 5% and I made 15%. I’m arbitrage in the difference. And then we want to understand cash flow. So there’s cash flow coming in. Now cash flow is not just what you think it is. We’ll expand on that. Now I have a $700,000 case study I want to show you real quickly so you can understand it before we dive in too deep.

Now I do want to also just warn you real quick. This does go pretty deep. And as a matter of fact, if you want to get really deep and figure out how to apply this in your own life, I’m going to have a three-day workshop where I’m going to go live right here from this stage for three days to teach you everything you need and give you all the tools that you need to apply this into your own life. There’s a link down in the description down below if you want to check it out.

Okay, but let’s jump to the $700,000 case study. All right, so let me give you an example of how we do this car. Now again, per Dave Ramsey, he says that we should never use debt. He teaches something called a snowball where you line out all the debt that you have and you rank it by the rate that you pay and the payments and then you systematically start trying to pay off the debt as quickly as possible, pay off your home, pay off your cars, all those things. So per Dave Ramsey, we never use debt.

We should pay cash for the car. Okay, that’s the pre-programmed track. Debt is bad. Let’s pay it down. All right, now the next option is, of course, we just don’t buy it. We don’t have a car. We suffer. We grind it out. We live a miserable life. That’s an option. The third option, the one I like is we build a wealth engine. We find a way to get our money to multiply to go faster and faster and faster without us having to crank the wheel and work faster and faster and faster. It’s the difference of playing the old game versus the new game.

Let me give you an example. You might have seen this. I’ve used this example before. Here’s my beautiful daughter. She’s 16 years old and I went and I bought her a new car. This is a picture of her with her keys and her car. And I use this post as an example because I could have done what Dave Ramsey told me to do with the car. I could have paid cash for the car. I have the $50,000. I could have paid cash for the car. That’s option number one. I could have not bought it.

Of course, my daughter wouldn’t have been too happy about it. But I wanted to do this through a wealth engine. So I went to the dealer and I could have paid cash for the car. But of course, why would I want to pay cash for the car? What I wanted to do was instead is I wanted to perform my own speculative attack against the US dollar using a wealth engine. So what I did is instead of paying cash for the car, I put the $50,000 into a high yield cash insurance account.

All right. Now that high yield cash insurance account is paying me 5% compounded annual growth rate on the money that’s in there. Then what I did is instead is I had the Ford dealership give me a loan for the $50,000 at a low rate of about 2.9% interest. So my money, 50,000 is now making 5% compounding. And I’ve now borrowed the money from them at 2.9% on it’s dwindling. All right. That’s step number one. Let me give an example of how this works. Now for easy numbers and a little bit more apples to apples comparison, let’s just say that I’m doing the same thing.

But now let’s say that I’m earning 5% compounding on my 50,000. And I’m also borrowing money from Ford at 5%. Now at first, you might go, well, isn’t that a wash? Couldn’t you have just put the 50,000 down and not paid the 5%? No, because one is compounding interest, meaning it’s growing on top of each other. While the other one is paying down the interest. Let me show you an example. So we start with $50,000 and we have a six year term right here. So the $50,000 in the account compounding at 5% a year over the term of this car ends up being worth $67,000 at the end.

Now at the same time, I’ve borrowed $50,000 and I’m paying 5% interest for that. Now we can see that that principle is going down over time. The difference of the loan ends up being $9,000 and 27 cents. So I’ve paid back 57,000, but I’ve earned 67,000. So there’s a difference of $9,000 of difference. So just by instead of paying cash for the car, instead, I put the money into a high cash value life insurance, earning 5%. And then I borrowed it back out to buy the car. Okay, that’s option one. Now option two is I could use Ford’s money, which is what I did.

So instead of borrowing the money back against my own money and buying the car, I used Ford’s and instead I could buy Bitcoin with that. So now instead of paying cash for the car, having $1 do one job. Now I’ve put the money into a high cash value insurance, earning 5%. Then I have borrowed money to replace that 50,000 from Ford. And then I took my money, borrowed against it and put it into Bitcoin. Let me show you how that works out over time. So now we’ve got $1 doing three jobs.

So here’s what this looks like. We start with about $50,000 here. The green line right here is it compounding at 5% Kegar compounded annual growth rate over six years, grows to approximately $67,000. This blue line here though, is the Bitcoin that I bought. Now Bitcoin has been going up by about 50% a year. So it’s compounding at 50% Kegar and it grows to approximately $759,000. All right, this orange dashed line down here is the loan repayments of $50,000 at 5% interest over time. And the red dashed line down here is the loan repayments of the other loan.

All right, so we’ve got a couple of loans going on here. I know this is confusing. I’m going to total this up and I’m going to draw it out for you. Okay, but just bear with me here for a second. So here’s the financial outcomes. The future value of the account, I put the 50,000 in, it’s compounding at 5% a year, it’s worth $67,000. Then I borrowed that 50,000 back at 5% and I bought Bitcoin with it. That Bitcoin going up at 50% a year is now worth 569,000. I have to repay the loan, the 50,000 at 5% interest, which is 57,000 I have to give back.

That’s loan number one. Then loan number two for the car I have to pay back, which is $50,000, which means my net gain, the total gained on the 5% compounding and the Bitcoin, minus the two loans that I took is a net gain of $527,000, $527,000 and I didn’t make any more money. I didn’t make any more money. All I did was change the way I make my payments. Let me draw it out for you so it’s a little bit more clear. So option one, I can buy a car for $50,000. I can put the money in, I can drive the car in five years, it’s worth 10 or 15,000.

I lost $40,000 for whatever. Option two, I can put the 50,000 into a high yield life insurance policy, earning 5% compounded. Then I can borrow it back out and I can buy Bitcoin with it. But what about the car? Well, instead of using my money here, I can use Ford’s money and I can buy the car here at 5%. So here’s the car I’ll put Ford. So now I have a loan I’m paying here. I have a loan I pay in here, but I have an asset here and I have an asset here.

That makes sense. I know it’s a little bit complex. Hopefully you’re following me. Leave me some comments down below if you want me to expand on this. But just this one trick alone without making any more money makes me over $500,000. Okay. Now, like I said, I’ve taught these types of things before on different videos. And so I went through all the comments and I got some common objections. So let’s deal with this. First of all, what kind of account are you even talking about? How do you put 50,000 in that earns 55% compounding, and then you can borrow back against it? Well, I use a high cash value life insurance, or you might’ve heard of a whole life insurance.

You might’ve heard of something called infinite banking, be your own bank. That’s what I’m talking about. All right. It allows me to put money in tax deferred. It allows it to grow there, um, protected and it compounds at say 5% rates may vary. And then I can borrow against the cash value of that whenever I want. Okay. How is this tax free? Well, it’s tax free because when I borrow against an asset, that’s debt. Debt isn’t taxed. Income is taxed. Capital gains are taxed. If I buy something low, sell it high, I’m taxed on the difference.

But when I borrow against an asset, that’s debt. It’s not taxed. Now, some people say, is this only for the rich? Well, certainly you have to have a little bit of money to make some money. You know, if you don’t have anything, it’s really hard to do any strategies. However, we’re talking about $50,000. You could do this with $20,000. You could do this with $10,000. This is a principle, but it’s going to take some money to do this. You’re going to need to make some money. Now, what about the risk? This sounds really risky because now you got all this debt.

You have all this payments. You have all this leverage. What do we do about that? And that’s the point that I want to hit on right now. Okay. Let’s talk about the risk for a second. Now, first of all, everything in life has risk. Every single option that you choose is risky. For example, I should probably go to the gym. Well, I do go to the gym, but think about yourself. I should probably go to the gym, but if I go to the gym, it’s risky. I can get in a car accident on the way there.

I could throw my back out on the machine. I could fall off. A weight could fall on my toe. Any number of things could happen. That’s risky. So what if I just stay home and sit on the couch? Well, now I’m risking, I don’t know, heart disease, depression, right? Everything has risk. You have to understand this. So what we want to do is we want to learn how to tame the risk. We want to learn how to mitigate the risk. We want to learn how to identify it and then we mitigate it.

Okay. So we have to acknowledge the fear. What is the potential fear in this? Well, what happens if, uh, you know, the asset drops and I can’t make the payment. Okay. So what happens if I can’t make the payment? Now we can learn to mitigate against that. For example, let me show you an example. Now, just recently, you probably know I’m a surfer. Uh, we just had a surf contest over in Tahiti at a wave called Chops or Tiapu, Chopu. It’s one of the biggest, most scary waves in the world. I’m a surfer and I think this is the scariest wave in the world.

As a matter of fact, what I want to do is I want to show you a couple of waves on this video and you’ll see some different ways people have addressed this fear. So let’s go ahead and pull this up. I mean, just look at the amazing beauty of this wave. Let’s play this video clip real quick. Okay. So what did you see? You saw a surfer try to paddle in and didn’t go very well. And he got smashed by the wave. I don’t know how he didn’t die. All right. Then what you saw is people trying to mitigate for that risk.

So you saw somebody else using a jet ski and a jet ski towed them into the wave and jet ski gets them out of the wave. As a matter of fact, both of those people that you saw in the video from my hometown here in Southern California, congrats out to both of them, but they used things, they use tools, they made plans to mitigate the danger. They got assistance from jet skis. You saw they were wearing life jackets, they were wearing helmets. And so they recognize the risk. I could hit the reef.

I could bang my head. I can get knocked out. Cool. I’ll put a helmet on. I can get held down. I may be able to get back to the surface. Cool. I’ll put a life jacket on. I may not be able to paddle in. Do you see what happened to that one guy? Cool. I’ll get a jet ski to tow me in. You see, there’s always ways to mitigate the risk. Now you might also go, it’s just too risky wise. I say the risk is in the investor, not the investment. Here’s a picture of the lineup.

Look at all these people in the water. All of these people have figured out a way to go out where these waves are and not die. So it’s certainly easy to go, Mark. I would never surf because I’m afraid of the water. I can’t swim. What about the waves? They sound dangerous. I’m afraid of sharks. And we can sit there and we can have that. And if that’s you right now, no worries. Just go listen to Dave Ramsey. It’s perfect. Work for 40 years, take $1, put in your mutual funds, make 4%.

And maybe things work out okay. Don’t go to the gym. You could drop a weight on your toe. However, some of us understand that there is more risk in not doing something. And so rather than never go in the ocean because I don’t know how to swim, we could just learn how to swim. Instead of never going to waves because they’re dangerous, we could just put on a flotation device. Okay. So that’s exactly what we want to do. We want to understand risk is in the investor, not the investment. We don’t eliminate the risk because there’s risk and everything.

We learn how to manage the risk. Risk isn’t the barrier. It’s just one variable that we have to manage around. So how do we do that? Again, let’s say that I’m afraid that I can’t make the payment. Well, what I could do is I could borrow a little bit extra and I could hold that money on the side as an emergency fund to make the payment for me. In the example I gave, I borrowed the money for the car instead of using my own money. But did you hear the key word? I had my own money.

So then you might ask, well, why did you borrow the money if you had the money? Because I wanted to make $500,000 extra. So what’s the risk? Well, the risk is the Bitcoin dropped in value. Well, I have the money to make the payment. So there’s always ways to mitigate this. You have to understand what they are. So we have a choice. The choice is we can go through life on the pre-program track that we’re on and take the risk of inaction, or we can understand there is other risks with taking action and we can learn to mitigate those.

But let me just show you the risk of inaction, for example. Now, if you follow the Dave Ramsey pre-program track, you’re earning $1 and you’re putting it into a mutual fund, the 401k or your S&P 500. The problem is, is that the money supply is expanding at such a rapid rate, the S&P 500 is really just a perfect proxy for inflation. So even though on paper it looks like you’re making more money, your purchasing power is not going up. Here’s a chart that shows since the year 2000, when we adjust the S&P 500 for the increase in the money supply, we can see that the S&P 500 is down 22%.

Meaning during this time, yes, the S&P 500 has made new all-time highs in dollars, but in purchasing power of more goods and services, you buy 20% less goods and services today than you did decades ago. That’s the risk of not doing this. Let’s look at another chart. Here’s the S&P 500. So you can see it in a different way with a chart of the global money supply, the global liquidity. And what you can see, the orange line is the global liquidity, the black line is S&P 500. And what you can see is they move up almost exactly in sync.

So again, while you think you’re getting rich following Dave Ramsey, earning a dollar, putting in a mutual fund, a 401k and S&P 500, it looks like you’re doing the safe thing, not taking additional risk. The problem is, is it’s risk and you just don’t see it. So you do have a choice. You can put a life jacket on, you can get someone to drive a jet ski and you can put a helmet on and you can learn how to manage these things like velocity of money and leverage and arbitrage. Or you can not and you can play the odds and you can roll the dice and you can see what happens.

Now, if you’d like to learn the blueprint for building your own wealth engine, if you want to learn how to apply this to your own specific investments, I’m going to go live. I’m going to go live for three days. I have like 15 different tools I’m going to give them to you. All the presentations, I’m going to bring in some of the top speakers. We’re going to workshop this so you can leave with a plan to finish this year strong, to crush the rest of this year and hit next year really, really hard.

There’s a link down below. If you want to come check it out, we’ll put it on the QR code right here. But either way, whether you come join me or you know, figure this out on your own, make sure you learn to manage the risk because either way you’re taking it and if you continue life down the pre-programmed track, well, you already know where you’ll end up. All right. Now, if you want to know more about these wealth building strategies, you might want to watch this video right here and I hope to see you over there.

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See more of Mark Moss on their Public Channel and the MPN Mark Moss channel.