Money Doesn't Make You Rich & Why The Money System is Rigged
21 Nov 2025 · 15 min
Rob Moore and Nigel Farage discuss why banks push cashless systems and how to build real wealth. Moore outlines a 10-step framework for converting cash into income-producing assets. Farage argues gold and silver are essential protection, noting gold rose roughly 700% over 20 years.
Questions this episode answers
January 9, 2025
6.6 years
2,409 transactions
700%
Millionaire at age 31; DECA millionaire at age 35
Chapters
Why the banks want a cashless society and why you must resist. A cashless society will be daylight robbery, a silent killer of your money. A great modern scam of the banks is that they want to create a cashless society. Now they'll tell you that digital transactions are faster, more convenient and a lower risk. But. But this is a smokescreen. There's one huge reason why the banks want a cashless society. And I used to think it was because of tracking and tracing and surveilling your every move. I used to think it was for control and automatic fining source and to stop you leaving the house or the country if they wanted to. And whilst I think those things might be true, the big reason is because they cannot earn on every single cash transaction. The banks earn on wire fees, currency exchange fees, credit cards, credit card transactions, but not on cash exchange. The average $1 bill lasts 6.6 years. At one transaction a day, it's way more. But at one a day, that's 2,409 transactions. And do you know how many of those 2,409 transactions that the banks can earn on? Zero. Whereas when the banks remove cash and every transaction is digital, they can earn one and a half, 3% or more on every single one of those 2,409 transactions. To the banks, cash is a liability, it goes down in value. But the banks can get infinitely rich on every single digital transaction. Refuse. Resist. There are four shocking things that the bank do with your money. Now. I became a millionaire age 31 and a DECA millionaire age 35. And that was a long time ago. I'm also author of some of the most successful business and money books in the world. So I know this to be true. They do not save it for you, they do not store and hold it for you, and they do not insure it for you. Warning those insurance policies that the banks say they give about your money, do not trust them. So, one, they invest your money, but not for you to earn. For them to earn. Your money becomes a government asset that they profit on and you take all the risk, they get all the reward, you lose money to inflation and they make money on your money. Two, they lend it to businesses and back to people like you and earn interest on you lending your money to you. Number three, they earn on every single transaction, every wire transaction, every currency exchange, every credit card transaction, they earn on your transactions. And this is why, number four, they want a cashless society. Do you know that the average $1 bill lasts 6.6 years in circulation assuming just one exchange a day, that's 2004409 exchanges. And do you know how much the banks earn on those 2,409 exchanges? Zero. But you now know that the banks earn on every single digital transaction. So they get rid of a cash cashless society digital transactions. And on those 2,409 exchanges where they would have earned nothing, they'll earn 1.523% on every single transaction. No wonder they want a cashless society. And that's what the banks really do with your money. Here are 10 ways to rig the broken money system in your favor. Number seven is the one that everyone gets wrong and billionaires don't want you to know. But it's the secret to getting rich. Number one, do not start with a product. Start with a problem. Solve a problem. Build a product.
This recent budget should warn you that your pension is not safe and secure and they're coming for your inheritance. Do you even know how much is in your pension or where your pension is invested? Add to this the recent inheritance tax grab on your pensions and the risk of a market crash. You probably didn't know this and I didn't until recently, but physical gold can be added to your pension pot. Gold is inheritance tax free and has grown 700% in the last 20 years. You probably know from my content I'm investing heavily in silver and gold and that's why I've partnered with direct bullion. Myself and Nigel Farage are brand ambassadors and direct bullion can help you with with gold to protect and grow your pension. I buy my gold and silver from direct bullion and I don't earn any money on any purchases of gold or silver if you buy direct from direct bullion. So if you go to robmore.directbullion.com you can get a great price on your silver and gold and you can get the Pension Gold Investing guide completely for free. As you know, I don't do many strategic partnerships and when I do, I do them with people who are credible, who've been doing it a long time and who invested things that I invest into. And gold and silver's going wild. I'm investing heavily in gold and silver and I recommend you check out robmore.directbullion.com.
Around it make profit. Number two, start a company because it's the only way that you can pay yourself first and pay tax later. Number three, people do not buy what you want to sell. They buy what they value. Be more valuable. Number four, learn to get great at S and M sales and marketing because everything else is procrastination. Number 5 Scale up sales while controlling cost to the point where tax becomes your greatest expense. And number six get good accountants and tax advisors and work your tax bill down. Number seven don't draw all your profits, reinvest at least a third back into growing the business and the income streams. Number eight as well as building your income, build your network, build a mastermind and build your influence. Number nine create multiple streams of recurring residual income. And number ten remain agile so you can adapt and evolve to disruptive changing markets, trends and government interventions.
Lockdowns I'm very excited to announce a special long term partnership with Direct Bullying. People must ask me hundreds if not thousands of times where I buy my gold and silver and how to buy gold and silver. Can you buy gold and silver in your pension? Many people know from my content. I'm a huge fan of real money. They call gold God's money. So if you'd like information on investing in gold and silver, knowing where to invest, how to invest and how to invest gold and silver into your pension, which is huge, go to robmore.directbullion.com I get my gold at under spot price. This is not an affiliate deal. I won't earn anything on any of the gold or silver you purchase. I've got a special deal where I get a good price on my gold and silver and I've also got a very special deal for you, my loyal listeners and subscribers. Spot price or better@robmore.directbullion.com if you'd like.
To make, manage and multiply more money.
And build multiple streams of recurring income and you'd like to meet one billionaire.
And and at least seven millionaires face.
To face, I recommend you join us at an upcoming Money Maker summit. The link is robmore Live Money. Now you need to be quick because we don't run many money maker summits throughout the year and we Keep relatively small numbers 150 people, sometimes 200, sometimes less.
You'll learn the strategies and tactics to get your tax bill down, your income.
Streams up, start and scale your business.
Make, manage and multiply money.
And if you upgrade to the VIP tickets, you'll be able to have dinner with multi millionaires, you'll be able to get champagne reception Q and A sessions with multimillionaires. And whilst I do occasionally offer some subsidized tickets, there's just small upgrades for.
These special VIP tickets.
So go now at robmore Live Money.
Five things to Avoid with your family members like the plague at all costs. Do not break these rules unless you hate your family, and especially when it comes to money. Number one, Going into business with your family. Do not go into business with your family. For every Andrew Tate and Tristan Tate success story, there are thousands of failures. And it doesn't just break the business, it breaks the entire family unit. 2. Lending money to family. They will take it for granted. The they will mess you about. Only lend them money actually if it's a gift and you don't expect it back. 3. Taking sides. Be the diplomat. Stay neutral. Sit on the fence when it comes to family relationships. Number four, Sharing your income, your earnings, your finances. Because when you're doing well, they'll either hate you and be jealous of you or they'll want money from you. And when you're doing badly, they'll use it against you. And number five, and this is the most human one, never share secrets that your family have shared with you. Be the person that dies with secrets and people will always trust you.
This recent budget should warn you that your pension is not safe and secure and they're coming for your inheritance. Do you even know how much is in your pension or where your pension is invested? Add to this the recent inheritance tax grab on your pensions and the risk of a market crash. You probably didn't know this and I didn't until until recently, but physical gold can be added to your pension pot. Gold is inheritance tax free and has grown 700% in the last 20 years. You probably know from my content I'm investing heavily in silver and gold and that's why I've partnered with Direct Bullion. Myself and Nigel Farage are brand ambassadors and direct bullion can help you with gold to protect and grow your pension. I buy my gold and silver from direct bullion and I don't earn any money on any purchases of gold or silver if you buy direct from direct Bullion. So if you go to robmore.directbullion.com you can get a great price on your silver and gold and you can get the Pension Gold Investing Guide completely for free. As you know, I don't do many strategic partnerships and when I do, I do them with people who are credible, who've been doing it a long time, who invest in things that I invest into and gold and silver's going wild. I'm investing heavily in gold and silver. I and I recommend you check out.
Robmore.Directbullion.Com 10 Things to Remember if you suddenly become rich or come into money. Warning number seven is the mistake that most people make and it ruins people's lives. Now I know this because before age 31, I became a millionaire. At age 35, I became a deca millionaire and people around me changed. 1. Do not tell anyone, especially your friends and family. 2. Pay off all your debts immediately, especially and including your friends and family. 3. Hold onto the money for as long as can. 3 months, 6 months. Don't do anything with it. Don't spend it, don't waste it. Just hold it. 4. Don't buy a house or rent in a really expensive area. 5. Don't rush to quit your job immediately. 6. Don't buy cars, luxury goods or go on loads of holidays yet. 7. Brutal truth. Do not give or lend your money to friends and family. 8. If you have children, this might sound harsh. Do not give them the money. It will ruin them. First, teach them how to handle and manage money. 9. You need to take some time to learn who you need to become to manage this money. Otherwise it will be your greatest curse. And 10. Instead of spending the money, you need to learn to invest the money and live off the income from the money, not the money itself. Four things I'd do if I lost it all. Number one is I would dust myself off and I would start again immediately. I wouldn't make excuses. I'd get straight back on the horse. Now this might surprise you, but the average millionaire has gone broke 3.4% five times. It's a rite of passage that millionaires go broke. The second thing I'd do if I lost it all is go and find an entrepreneur or a millionaire who's further ahead than me. And I'd go and be their protege. I'd go and be an apprentice for them once a week. I'd work for free to learn because the more you learn, the more you earn and your network is your net worth. The third thing I'd do is I'd leverage products on the Internet. They are high speed, low friction, high margin, low overhead, E commerce, information, social media. The fourth thing is I'd build a personal brand. Because no matter what happens to you, you can take your personal brand with you. You can turn content into cash flow, information into income. You can turn your passion into your profession, content into cash flow, and information into income. You see, you can take away all my money, but you cannot take away what I learned from making the money. Oh, and the two things that most people fail at that all millionaires get good at is sales and marketing. Anything other than Sales and marketing is procrastination. Stop saying I can't afford it. I can't afford it is a lie. You are lying to yourself. If you want to get out of debt and make money, start saying this instead. But two quick things. I became A millionaire, age 31. A deca millionaire, age 35. This was a long time ago. Now I've done a quarter of a billion in sales. But I used to be broke, and I was 50 grand in debt. And I used to say, I can't afford it. And when you say, I can't afford it, you are right. Whether you think you can or you think you can't, you are right. Now, all of us spend money on what is most important to us. And people who are broke still spend money on cosmetics and holidays and fancy organic foods even though they can't afford it. So it's a lie to say I can't afford it. The truth to say is, it's not important enough to me. So if you improve your priorities and the things that are most important to you are assets, not liabilities, then you will increase your bank balance. Because if it's important enough, you will find a way. If not, you will find an excuse. They say that rich people are obsessed about money. Maybe, maybe not. But do you know who's more obsessed about money that no one talks about? I'll tell you. But the reason I'm qualified to tell you is because I've been broke and I've been rich. I became a millionaire age 31, a DECA millionaire, age 35. And that was a long time ago. But I was 50 grand in debt. And then 17 years later, I'd done a quarter of a billion in sales. So I've been broke and I am rich. And therefore I've done the experiment. And I can tell you this. You obsess way more about money than when you are broke. You obsess way more about money when.
You don't have any.
Because you've always got to think, how can I afford the next meal, the next ticket, the next bill? Because the way obsession works is you obsess over what you do not have, what you cannot do, where you cannot go, what you cannot afford. So the only way to not obsess about money is to make a load of money. They say that money is the root of all evil. They are wrong. In fact, the Bible says that the love of money is the root of all kinds of evil. Often misquoted, but still wrong. How can loving something be evil? Because love is the Opposite of evil. How can money be evil? Because money is a tool. A tool can't be evil. A hammer isn't evil. How can money be evil? A crowbar isn't evil. They're tools. How can money be evil? People use tools. Therefore people are evil because people do evil. Evil with tools. Just like people do evil with money. But if people are the root of all evil and money is the tool for evil, people are also the root of all good. So money is also the tool and root of all good. Money does not make you rich. This is a myth. This is a lie.
Now I know this because I became.
A millionaire age 31, a DECA millionaire, age 35. I pulled myself out of 50 grands worth of debt and I've done a quarter of a billion in sales in the last 17 years. Money didn't make me rich. Money didn't make all the millionaires and billionaires I know rich. And the reason is money depreciates. Money goes down in value. Inflation, taxation, quantitative easing, insurance and theft. Money depreciates. Money is actually a liability. The banks know this because as soon as they get your money, they lend and invest it out. So if it's not money that makes you rich, what makes you rich? Income makes you rich. Cash flow makes you rich. And there's only one thing that provides income and cash flow and that is assets. So yes, make money. But as quickly as you can, convert money and cash into assets that produce income. And instead of living off the money that goes down, live off the income that goes up. Once money is gone, it's gone. But with assets, the income and the cash flow keeps going and going, going and growing. Most people do not know the difference between money and income, between cash and cash flow. And now you do. Loving money is not about money. It's about this. And it's the hardest thing for so many people to do. It was hard for me. Loving money is about loving yourself. Loving yourself enough to know that you deserve to be rich. That you deserve wealth just as much as anyone else. To pay yourself first and to pay yourself handsomely. You cannot become wealthy without valuing yourself first. People do not give money to that which they do not value. You will not accept money if you don't value yourself. You deserve to earn big. You deserve to increase your fees, you deserve the salary raise. But you will only receive it first when you believe it. They say that network equals net worth. But I say self worth equals net worth. They say cash is king. It is not. This is a myth or even a lie. Now I'm going to tell you what is king. Now I'm going to Now I'm going to tell you what is king if it isn't cash. Now, I know this because I became a millionaire age 31, a DECA millionaire, age 35. And this was a long time ago. And I've done a quarter of a billion in sales in the last 17 years. And cash is not king. And the reason is cash goes down in value with inflation. Cash is a depreciating liability. The banks lend it out. That proves this. And cash can be spent and wasted. If you leave cash long enough, it will go down hard. Once cash has gone, it has gone. But the real king is cash flow. Cash flow is king because you convert cash into cash flow or cash into assets. The assets produce income or or cash flow. And no matter how much you spend, the cash flow, it keeps coming and keeps going and keeps growing. So by all means, make cash, but as quickly as you can, convert it into assets that produce cash flow.
This episode was brought to you by Disruptive Media, helping bold entrepreneurs sell stand out through podcasting, video and social content. Visit disruptivemedia.co.uk to learn more. This episode was brought to you by Disruptive Media, helping bold entrepreneurs stand out through podcasting, video and social content. Visit disruptivemedia.co uk to learn more.
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