In this YouTube monologue Rob Moore explains how, contrary to the common view that inflation is purely harmful, high inflation combined with quantitative easing (QE) can effectively reduce the real value of "good debt"—mortgages on income‑producing property. Moore claims that his portfolio of over £50 million in property, backed by tens of millions of pounds in mortgages and 1,550 tenants, has seen the equivalent of £3.3 million wiped off his debt in the past year because inflation (around 10 %) de‑valued both his cash and his loan balances. He argues that holding relatively low cash and higher amounts of leveraged, income‑generating assets lets individuals benefit from the same mechanism the government uses to manage its own debt. Moore contrasts "good debt" (borrowed against appreciating, cash‑flowing assets) with "bad debt" (borrowed against depreciating liabilities) and dismisses blanket anti‑debt advice. He warns that if interest rates rise sharply the calculus could reverse, but notes current rates remain low. The video concludes with a promotional pitch for his paid community, Rob.team, offering financial education, mentorship, and access to his network of millionaire mentors, positioned as a low‑cost alternative to coffee or Netflix subscriptions.
Chapters
How the government paid me £3.3 million this year. Hands up, I've been moaning about the government a bit. I think definitely lockdown 2.0 and the soft third lockdown were too much. I think that taxes are far too high and there's not enough support for small business and entrepreneurs. These are things I feel strongly about. In fact, I was discussing these with Matt Hancock just yesterday, who used to be the small business minister for the UK. So I have been vocal about what I think the government have done wrong, but I'm going to tell you how the government paid me £3.3 million this year and how essentially you can copy what I do so that they do the same for you. And, um, most people talk about inflation being very bad. Inflation is bad because it erodes your cash, it increases prices, and therefore the cost of living is harder for you. You have less spending power. Your spending power is the lowest it's been since the Second World War. Inflation, all bad news, all bad news. No, not all bad news, and here's why. Because if you have assets with good debt, inflation, relatively speaking, pays your debt down. So how the government paid me £3.3 million in a year, they didn't write me a check. Actually, that wouldn't be that useful to you. What would be useful to you is tell me how it me to tell you how it worked, which is what I'm doing now. They didn't write me a cheque for £3.3 million, but they might as well have done. Because I, when you work out the inflation percentage currently, that as a percentage of my good debt is £3.3 million. So I currently have more than $50 million worth of property. I have 1,550 tenants. And I have tens of millions of pounds worth of mortgages. And you can probably reverse work this out. I'm always told by my business partner, my accountant, and my wife, don't give specific values, don't tell everyone your net worth, you know, there's no upside in it, you don't have to show off. They're always telling me this stuff. But anyway, um, the amount of good debt I have on my properties amounts to the current inflation rate paid £3.3 million down in relative spending terms. So my point here is, if you have good debt, i.e., mortgages and good leverage on assets, when inflation is high, inflation also pays your debt down as well as devaluing your money. It devalues your debt as well as devaluing your money. Now, this is what the government do. So if the government, um, are in a lot of debt, a quick, cheeky, and easy way for them to reduce their debt down in the back door is by printing more money, reducing the relative value of the existing currency. It's called quantitative easing, and essentially pay their debt down through the back door. But when they pay their debt down through the back door, they pay your debt down through the back door. So if you have more good debt value than actual cash, you will make money in high inflation. And no one really tells you that, but you know, I did tell you in a live video a few weeks ago that I had a few million in the bank. And so when you work out the inflation on a few million, let's say 3 million— I don't know exactly what it was, it was 3, 5 million, something like that. So you've got 3 million in the bank, inflation is 10%, you're losing 300 grand a year. But my good debt and my asset value is tens of times more than that. So when inflation is 10%, let's say it is— I think it's more, but let's say it's 10%, I've gone on the low side— it's paying millions of pounds off my my mortgages. So what's the moral of this story? The moral of this story is when inflation is high, you want to hold relatively low amounts of cash and you want relatively high amounts of good debt, not too highly leveraged. Always do your own research, but you, you know, having a good amount of good debt is not such a bad thing. Now of course, if interest rates were really high and inflation was really low, it would work in reverse when it might be worth having some cash. But interest rates aren't high, they haven't been high for more than 10 years, and they're probably not going to go up as much as they should. Should. So let me know what you think about that. The, um, government paid me more than £3.3 million off in the last year because their high inflation paid down the good debt loans I have on my property portfolio. And you can do the same thing. And here's what you do. You know, a lot of people out there, like say for example Dave Ramsey, all that is bad and debt is dumb. No, that's a dumb statement. All debt is not bad. Bad debt is bad. A debt on a depreciating liability is bad. Debt on an appreciating asset that pays income is good. Like, whoever owns that probably didn't pay for it cash. It's a lot of freaking money, so they probably got a mortgage on it, a commercial loan on it, and they're probably getting income from the tenants and renting out all the rooms. So you leverage, not too highly, good debt to buy property and other assets that produce income, and then inflation and quantitative easing pays off that mortgage and that debt over time. I can't see how this quantitative easing is going to stop because the governments are getting more and more into debt. They don't know how to pay it back. How are they going to pay it back? From us. Our taxes are already high. I don't think they can put them much, much higher. Otherwise everyone will just freaking leave. So they're in a quandary. So how are they going to get rid of their debt? High inflation, high quantitative easing, yada yada. So that's how it works. So are you buying real estate? Are you getting good debt to get cash flowing assets? Because if you are, then inflation is your friend, my friend. And I just wanted to tell you that. I was thinking about doing this video for a little while because I have been moaning about the government and inflation and how they're managing monetary policy, etc. But you know, there's something good. So yeah, that is the exact amount in the last about 12 months that the government have wiped off my relative value of my good debt on my property. So let me know what you think in the comments. Now, if you'd like more information like this, you know, if you'd like to observe the masses and do the opposite, learn how to invest, learn how to build assets, learn how to, you know, have good debt so that you can get your equity up, your income up, and get the debt paid down by the government, go and join Rob.team. Now, Rob.team, it will cost you, I think, well, definitely less than a large Costa Coffee, one-third of the subscription for Netflix. That's what it will cost. That's it. It's an online portal, instantly downloadable, hundreds of hours of startup and scale-up information to get better financial education and knowledge from me and my millionaire mentor friends. To create multiple streams of recurring income, build assets, and create better leverage and better understanding of money like I just showed you there. So if you open a new page on the internet and type in rob.team, let me say that one more time. Open up a new page on the internet, type in rob.team, go join rob.team right now. And I'm giving you content weekly on better financial education and knowledge, on making money, on saving money, on building assets, on creating recurring income streams, passive income streams, digital assets, how to start making money in sales and marketing, how to get that part-time side hustle if you just want to do it part-time, or how to be an entrepreneur or even build an empire if you want to go big. Exactly. Trista said it's just the cost of a coffee. That's it. So open up a new page on the internet, do it now. Type in rob.team, rob.team, and learn to earn. Learn, earn, invest, and get access digitally to online courses, masterminds, mentoring, ask me anything lives, all from me and my multi-millionaire friends and, um, you know, connections. And an amazing community as well. I talked about the 4 life currencies yesterday. Did you watch my live video there where we talked about cash being a life currency? You learn a lot about making cash in Rob.team. We talked about knowledge being a life currency. You'll learn a lot of knowledge in Rob.team. We talked about time being a life currency. You'll be able to leverage your time in Rob.team. And we also talked about love as the 4th life currency. Look, you You're not going to buy love in Rob.team, but you're going to get love from the community of about 5,000. I think it's 5,200 members-ish we have now and growing every day. I've got dozens of people joining every day. So go and join right now. And if you've watched a lot of my free stuff, honestly, the paid stuff is 10 times better, 10 times more. More community, more access, more ask me anything lives and Q&A sessions. And like I said, this— well, I didn't say this, but I'll say it now. There's no risk because there's no contract. You can cancel any time. But you can get better financial education and knowledge. You'll probably make 50 grand a year getting in debt at school or university, especially in college, from people who are broke. You know, the people who teach economics and finance and business, they're broke. Don't make any sense. But I've made hundreds of millions, said with humility, because, you know, I'm a student as well as a teacher. And I'm doing entrepreneurship real, live, every day. In fact, I'm filming a TV show right now and I am the expert on this TV show which is like a cross between The Apprentice and Property Ladder. So watch out if it gets aired. It's quite a cool concept. But I'm essentially the property development business entrepreneurial expert on the show. I'm presenting the show. I'm the guy that they have to impress and try and sell. Actually, I can't tell you what it is. I'll get told off. But I think you'll like it. So, you know, I'm walking the walk. I've written 18 business and property-related books. Not saying any of this to brag because I'm only 43. There's so much more I want to do with my life. But you can get a lot of this off me for just the cost of a large coffee. Cancel anytime. But essentially, if you want to learn how to be an entrepreneur, you want to start a business or scale a business, get better financial education and knowledge, create multiple streams of income, build digital assets, learn, earn, invest, monetise social media, turn your passion into your profession, all this kind of stuff, build a personal brand, then go and join Rob.team. So open up a new page right now on the internet. I'm sorry if it's a bit windy. And type in Rob.team. Go join right now. No risk. If you don't risk anything, you risk everything. And here's how the government paid me £3.3 million in a year because inflation at its current rate wiped off £3.3 million worth of good debt on properties that I own. So while inflation is bad for savings and prices and spending, it's very good if you own good debt. Very, very good. So there's always a lesson. Every upside has a downside, and every stressing, there's a blessing. Thanks for tuning in. Hit the share button. I'll see you in Rob.team. And remember, if you don't risk anything,
