In this motivational‑financial talk, Coach Raphael Djine argues that the prevailing advice to "save money" is a narrative engineered by banks that fund financial education in schools. He claims that banks promote savings accounts not to help individuals but to acquire cheap capital that they can invest for massive returns, while depositors receive negligible interest that is eroded by taxes. Djine illustrates the disparity with simple calculations: a $100,000 deposit at a 3% interest rate yields only $3,000 a year for the saver, yet the bank can leverage that same capital to generate $300,000 in profit. He labels saving as effectively "burning money" and suggests that the majority of Americans are broke because they follow this misguided advice. Instead, Djine advocates for a shift toward active wealth‑building tactics—investing, participating in mastermind groups, and employing strategies that can multiply a modest sum (e.g., turning $100 into $300 annually). He promotes his own coaching program that teaches these alternative methods, positioning money as a tool that should work for the individual rather than for the bank.
Chapters
Why people are broke? Number one, number one, when they get the education about money from who educate us about money? Most education will come from the bank that is funding the school program. And the school, I educate the student, right? So what is your first rule about money? What do you hear from your mom or from your dad? Saving. Now, what do you hear from your mom and your dad? Money. Saving, right? Coach Jean-Claude, what do you hear about saving? Grow up. Any smart person that is educated about money, do what with your money? Save it, right? Yes. Save money, save money, save money, save money. Now, who educate everybody to save money? Catch this, this guy. The banks. Who's asked you to save money? The banker. Where? To the bank. So saving is actually a system, promotional system, a system that the bank developed to grow the bank. It's not for you. It's not for me. The saving, the The system of saving is actually, you know, and this is what my dad was using. And this is what most broke people— people are broke because they have been saving money. You probably say, Coach Raf, come on, come on. I've been hearing this all my life and that's all work. Why 80% of America are broke? 80%. I'm not talking about people from other countries. Because they are doing exactly what the bank asks them to do. And why the bank is asking you to save? The bank is not asking anybody to save money home. Take to the bank. Saving to the bank. That's why they have a product called saving account at the bank. Now let me just break this down before I go further. If the bank asks us to save, how the bank keep their own money? Have you ever thought about that? How the bank keep their own money? The bank don't have any big savings to shuffle the money inside and lock. The bank invests the money. So the bank promotes savings. savings account, but the bank don't carry a savings account. Nope. The bank invests the money. When you put the money in a savings account, it gives you nothing, but it benefits the bank. So, in other words, if you have $100, and I'll show you the little— instead of saving your money, what you should be doing with your money. So you can get out, you can make a room for some of the people to be broke also. You can be part of the 20% of the people that are actually doing well because they changed their mind. They stopped listening to the wrong guy. As a matter of fact, that's why I have this group of mastermind that I'm working with them and we are doing deal. Every day we look, we look at how to position our money, how to make the money go to work for us and not give it to the bank so the money can go to work for the bank. Money is a tool. Money is a vehicle. Money creates a machine. Money is supposed to Take care of you. Money supposed to fuel your dream. Every time you put the money in the bank, you actually like that guy that the Lord Jesus said throw him in the fire. Matter of fact, the Lord Jesus called him a wicked man, and he even say I should have even put that into the bank. Bad area. Even the Lord Jesus said, you are a wicked man. I could have taken my money and put it in the wicked area, which is the bank, and at least have 1%, because the bank will know what to do with your money. So I'll show you, you know, if you join this class, you will know exactly how to take $100, $100, instead of putting it in your savings account, and multiply by 3, and get $300 every year out of $100. And that's exactly what the bank is doing. Take $100 and get 3 times out of that. I'll show you how to do it. So you have been coached by the bank that when you have money, save it. Saving money is equal to burning money. Matter of fact, let me show you something. Hear me here. If you have— let's say you have $100,000 you put in a bank. They probably— if they give you 1%, let's say 3% yearly, right? 3%. What's $100,000 yearly at 3%? $3,000. How much is that yearly? 3%. 3%. Less than— let's say after they do, you know, you pay your taxes and all that, you have less than $3,000. When you have $100,000, you give to the bank, the bank may give you less than $3,000 because you need to factor the tax in it, right? And then The bank take this and multiply by 3. It produce them $300,000. $300,000 yearly. And then they give you $3,000. You pay Uncle Sam out of that, and you have less than that. And what I'll do, I will show you how to take $300,000, Since you're not an expert, you're not smart like the bank, you don't have all that avenue, all that opening, at least you can make $150K out of your $100,000 and keep the $100,000. That's what banks are doing all the time. So maybe you are broke because you save money and you think it's a safe way. Thank you.
