How To Stop Cash Turning into Trash
In this video Rob Moore argues that cash is rapidly losing value and is effectively "trash". He attributes the devaluation to several interrelated forces: massive government money printing (quantitative easing) that debases the currency, the lack of any gold or tangible backing for fiat money, double‑digit inflation and a cost‑of‑living crisis, ever‑rising taxes to fund wars and public debt, and the fact that banks do not guarantee deposits and offer near‑zero interest. He notes that these dynamics make cash a poor store of wealth and that saving cash can no longer build wealth. Moore suggests that the solution is to move cash out of bank accounts and into income‑producing assets (gold, silver, watches, property, digital assets, recurring‑income businesses). He briefly mentions Bitcoin as a finite‑supply alternative but cautions against relying solely on crypto for everyday purchases. The core message is that "income is king" and that individuals must create multiple streams of passive or residual income. Throughout the video Moore promotes his paid membership platform (rob.team), offering a free "toolkit" of resources, a multi‑module "How to Invest" series, a social‑media monetisation masterclass, and other courses aimed at helping viewers protect their money, invest, and generate recurring income. He repeatedly calls viewers to comment, share, and join his community, positioning his content as essential financial education during the current economic crisis.
Chapters
Why cash is now trash. I remember hearing Ray Dalio and Grant Cardone announce that cash is trash, and honestly, I thought it was a little bit American and a little bit hypey. But right now, I believe their predictions are becoming more and more true. Cash is becoming trash. So I'm going to tell you what's happening to cash I would also love your thoughts on what you think the future of cash is. Please do engage in the comments. And then I'm going to give you some solutions to cash becoming trash. So the reason that cash is becoming trash is number 1, the government are printing so much of it through quantitative easing that they are devaluing it. I'd even go as far as to say they are debasing it, you know, a bit like when precious metals were debased with lead. The government are wiping off their own debt by reducing the value of money and the spending power of money by ever-increasing printing of it, an increasing supply, removing the buying power and the value. Now, John Brown has said gold and silver. I'm going to talk about gold and silver and watches and other things in a moment. Now, you have no control over how much the government pump out new currency. Now, the second reason, linked to the first reason that cash is trash, is that this new money that they print is worthless in the sense that it's backed by nothing. There is no gold standard. There is nothing that backs the— there is only trust that we believe in the story of money. And when we don't trust governments anymore, we won't believe in the story of money. If we don't trust governments, we won't trust money. And cash won't just be going down at 10 or 20% a year, it could go down a huge amount in a short period of time. Now, the more the government get into debt, the more they're likely to print more money to essentially erode their debt, reduce the value of their debt. So do you think the government's going to get out of debt and balance their books Or do you think with COVID and Brexit and lockdowns and wars, do you think the government are going to get into more debt? Let me know in the comments. Less debt or more debt? Because if you think the government are getting to— going to get into more debt, then they will more print money, and therefore your money will be worth less money. This is why a lot of people believe in Bitcoin. You cannot produce any more Bitcoin. There is a finite, limited supply, and therefore you can't devalue it or debase it. Hmm. So cash is trash because the government are printing loads of it. Cash is trash because the government can print even more of it. Cash is trash because it's not backed by anything. Cash is also trash because inflation is really high and your spending power is really low, and there is a cost of living crisis. So right now there's a massive food shortage, energy shortage, there is a supply chain shortage, a raw materials shortage. Do you know that your spending power is as low as it was in the Second World War? After the finance of war. The next reason why cash is trash is because government are increasing taxes over and over and over. Now, um, generally taxes are increased to fund wars. That's why your spending power was so low after the Second World War, because there would have been billions to finance the war. Well, if we enter into World War III, which let's be honest I can't say it's going to happen, but it seems pretty freaking scary. Then of course that's going to need financing, and that's— we're going to pay. It's funny, you know, people say government pay for wars. No, we pay for wars because they take the money off of us. So let me know what your thoughts are in the comments. If you agree and/or you think this information needs to get out to more people, please hit the share button. I'm on a mission to help as many people get better financial education and knowledge. I'm on a mission to help people not just survive but thrive through this cost of living crisis, this soaring inflation, soaring cost of energy, fuel, etc. So if you'd like my help, just write toolkit in the comments because I'm giving away about 7 free resources to help as many people on this planet as possible when it comes to managing money in this cost of living crisis. I will give you 30 to 35 ways to reduce up to half your salary in costs or spending. I will also give you ways to start a business, scale a business, create recurring income streams. And also I have 2 keynote speeches which are about 90 minutes long each on setting up digital assets and creating recurring income. So just write toolkit— tool, T-O-O-L-K-I-T— write toolkit in the comments. I'll give you completely free access to that. And like I said, I'm here to help as many people as possible get better financial education and knowledge. Now, um, Sean Paul Gilbert here has said about printing, printing money. He thinks that, um, you know, we're in a debt crisis. He thinks that, um, interest rates are going to go up. Of course interest rates are going to go up. They've been, what, 5 to 6% lower than the general long-term average for, for what, 13 years, something like that? Now There are always upsides to these downsides, so I'll tell you about some upsides in a moment. But just write toolkit in the comments, I'll give you these free resources. Okay, so currently cash is devaluing hard and fast. Inflation is now double digits. That means if you have 100 grand and you keep it in the bank for a year, that is 90 grand maximum in a year. That's an expensive place to leave it. So cash is not king anymore. Cash used to be king. Do you know what is now king? Let me know if you know in the comments. It used to be cash. People used to say cash is king, save your way to wealth, you know, hold cash. When there's a recession, the person with the most cash wins. In marketing, they say the person who can spend the most on the lead or the ad wins. But actually, cash is no longer king. Income is king. Income. So, and some people say, yeah, but income is cash. No, it's not. Income is not cash. Cash is not money. Money is not cash. Cash is a form of money. Money is more than cash. So what you need to do to stop your cash turning into trash is you need to get it out of the bank and into an asset. Now, many of you here are talking about the banking system and the economy and digital currencies and all of that. So I'm going to talk about assets into income in a moment, but there's other reasons why cash is trash. Number 1, if you give it to the bank, they don't guarantee it. You could get, um, scammed or hacked, and the bank may not back it up. Um, and the banks are going to lend it out 10 times, but they're going to give you no interest. And you can't get any interest on your cash because interest rates are so low. So I've probably listed now 7 reasons why cash is trash. Now some people are a little bit more extreme in this and they say, yeah, just buy everything in Bitcoin, you know, don't hold any cash, you've just got to have crypto. That's a bit extreme because you actually can't buy much with Bitcoin. I know that the proper crypto hackers say you can. Oh yeah, you can buy coffee with your Bitcoin, but most people don't take Bitcoin to buy a coffee. And as of now, it's not commonly used, um, Bitcoin and cryptos, as a monetary system. So you still need cash, but what you need to do is have minimal cash. Just have cash that helps you with your subsistence and your living expenses, and everything else that you have needs to be out of cash. This is important. So what you need to do, um, if cash is not king and income is king, you need to take your cash and— well, look, saving cash is a good start. They used to say you can save your way to wealth with the law of compounding. You can't anymore. Massive warning: you cannot save your way to wealth because inflation is so much higher than interest rates that saving cash means your money goes down in value. So the only way you can gain wealth is to earn and invest. You cannot save your way to wealth. You can earn your way to wealth and invest your way to wealth, but saving is good to bridge, to have enough money to invest. And then this is— look, by the way, this is not financial advice. This is me sharing with you what I do, um, and you know what I think works to protect your cash. Always do your own research. But as soon as you have any investable amount in cash, take it out of the bank and put it into an asset. And then that asset produces income, and you turn cash into income. Cash is not income. Because it's just a lump that sits there going down in value, whereas income is inflows, inflows, inflows. Now ideally you want recurring income, passive income, digital income, residual income. Cash is a one-off event, whereas income is an ongoing residual recurring event. And you need to turn your one-off event of cash into your multiple income event of recurring and passive income. Now, on that note, Stephen has asked which assets are good to invest in today. So if you would like recurring income, passive income, multiple events of influx of cash, then I recommend that you join Rob.team. So in Rob.team, which is my private members area, for just the cost of a large cup of coffee per month, and you can cancel any time, I am about to, um, publish for you an exclusive how to invest series. So I have got 7 or 8 modules, a good 45 minutes to an hour each, on how to invest. And then with different amounts of cash, what the best use of that money is, starting from $100 or pounds, by the way, all the way up to a million. $100, $1,000, $5,000, $10,000, all the way up. And some investing rules. Now this is an exclusive course. I charge about $500 to $1,000 for a course like this. It's actually not for sale, but if you go right now and open a browser and type in rob.team— Rob Moore— rob.team, do it now because I have to go in a minute. But if you do it right now, you can get that exclusive money-can't-buy How to Invest 7-module series, completely free as a Rob.team member. And to sign up to Rob.team, it's just the cost of a large coffee, and you can cancel anytime. You could go in, consume all the content, and then cancel. Here's the thing though, it'll take you a long time to consume all the content because there's loads of content. So open a browser and type in Rob.team. Great to see friends old and new. On the live. Big shout out to Catherine, who's a super successful community member. Okay, now here's what else you get joining rob.team. You can't click the link yet, you need to open a new browser right now and just type it in, r-o-b.t-e-a-m. I'm getting hundreds of new members weekly now because of this cost of living crisis. People want to learn how to invest, they want to learn how to protect their cash, they want to learn how to create extra income streams. So if you want to create multiple streams of recurring income, digital assets, better financial education and knowledge, if you want to learn how to invest, if you want to monetize social brand, social media, personal brand, etc., and combat this cost of living crisis, not just survive it but thrive in it, go and join right now at rob.team. Just open a new browser, I open an internet and type in rob.team. Go and do that right now. I've also got coming up a 1-day social media monetization masterclass. You probably don't know this, but I make 6 figures a month in recurring income on social media, on platforms like Facebook, with no ad spend, by the way. And by the way, you don't need a big following to do this either, because, um, virality isn't really linked to your following anymore. So if you'd like to learn the 21 ways to monetize social media, how you can too, to just turn your content into cash flow, information into income, go and join right now at rob.team. R-O-B dot T-E-A-M in a new window. Um, and that'll be a $500 course that I'll be selling in the future, and you can get it live with me completely for free. But you need to be on rob.team. So I'm going to give you a few new rules of money. I'm actually, um, decided to write a new book called The Revolution of Money. Um, because I think there's a big money revolution happening right now and coming in the future. Let me know if you think there's a revolution of money in the comments. Let me know if you think that, that we are in, in the death of cash in the comments. So the new rules of money are: cash is trash. You've got to get rid of cash. You've got to put cash into assets, and those assets produce income. Cash is no longer king. Income is king. Number 2: you can't save your way out of a cost of living crisis. You can only invest or earn your way out of a cost of living crisis. Cash is no longer king, income is. Money is moving in different places now. So people think, oh, you know, there's a recession, recession, correction, recession, depression. Correction, small. Recession, mid. Depression, large. I don't know which one you think is happening, but money is— yes, the economy is growing slower, but actually money is just moving into different places. So if you can find those different places that money is moving, you're going to make some more of that for yourself. Money is evolving faster than ever now because of, you know, the speed of, um, the internet, the speed of light information exchange, and, um, Moore's Law, um, of ever-increasing speed of technology. So cryptos, NFTs, the lack of trust of fiat currency, these— the death of cash. Um, sorry, I said here, why are you saying that cash is trash? One, inflation is double digits. Two, the government are printing so much money that they're debasing your cash. Three, the banks don't guarantee it. Four, cryptos are starting to disrupt it. Five, taxes are higher than ever. There's 5 reasons. Those 5 things just since lockdown have probably debased your spending power by 30%. Corp tax is going up from 19% to 25%, and, um, National Insurance went up. The government spent— wasted billions. They spent £500 billion and wasted tens of billions on the lockdown write-offs. You're gonna have to pay for that. So those 5 things I've just mentioned probably means a 30% debasement of your cash. Probably. Do your own research. But, you know, I have worked all this in. A lot of people miss a lot of stuff, like in the inflation data, they don't put it in everything. They often don't put in asset prices or food prices or things like that. So you can't trust the CPI and the RPI. You have to do your own research. So there's 5 massive reasons why cash is trash. Now, I'm not saying never use cash because you have to buy your you know, living subsistence with cash. But you brought— you just want a minimum amount of that and a maximum amount of money into assets. So, you know, I'm fortunate enough I've got a decent amount of cash accrued from the first 3 months of the year, and I'm investing in watches and property and digital assets and building my brand and generating leads. And I want minimum cash, minimum, probably 3 months living. That's it. So you must have multiple streams of income. You must make money while you sleep. You must have digital assets. You must leverage social media, personal brand, and information into income. And if you'd like to be able to do all that and learn how to do that from practical and tactical videos from me every single week, and articles and courses and masterclasses and Zooms, go and join right now on rob.team. Rob.team in a new window. Just go open the new window browser right now, type in rob, Rob Moore, team as in football team, rob.team, and you can join for just a fiver a month and you can cancel anytime. And that's the cost of a large coffee. You can go and consume all the content and then cancel. I know that you'll be in for a while because it'll take you a long time. I've got the Social Media One Day Monetization Masterclass coming out. I make 6 figures a month on social media. I'm looking to make 7 figures a month on social media. I got paid $135,000 upfront from one sponsor, and I'm going to teach you how to do all of this from a standing start with no ad spend and no following on the Social Media Monetization Masterclass. The only way you can access this $500 course is by signing up right now to rob.team. R-O-B dot T-E-A-M. Also, I'm launching next week the 7-part, probably 8 or 9 hour, How to Invest series. So many of you ask me, how do you invest, Rob? Where do you start? What do you invest in? How do you buy gold? How do you buy silver? You know, how do you know what to invest in? What if you don't have much money to invest? What do you invest in with a low budget? What do you invest in with a high budget? Well, these are all going to be shared this coming week in the rob.com TEAM platform. Just open a new browser window right now and join at rob.team. Ricky has said, is Rob.team different to Facebook supporters? If you subscribe to me on Facebook, it's the same, it's just on Facebook. So if you subscribe to me on Facebook, you're in. Mark has just signed up. Welcome, Mark. Let me know in the comments if you've signed up. I'll give you a shout out. Shout out there to Mark Alton. Thanks for following me, my friend. Quick summary, and please hit the share button. We need to help as many people as possible because This cost of living crisis, which in reality is 20% more than probably the start of the lockdown— like before the lockdown, you know, and in the last 2 years, I reckon 20-25% in reality is a more expensive cost of living with taxes, inflation, and soaring cost of food and energy and, you know, raw materials, etc. Tony Ross is in. Welcome Tony Ross to Rob Moore, uh, rob.team. R-O-B dot T-E-A-M. I'll see you all there. So quick summary: cash is now trash. It is devaluing more and more and more. The government are printing too much of it and debasing it. The inflation is double digits. So, um, yeah, you know what? Robert Sidwell has just joined rob.team. Welcome Robert Sidwell, another Rob in the house. I'm going to keep doing video content on, um, the new rules of money, the big money revolution, the death of cash, um, the new, uh, how to not just survive but thrive in this cost of living crisis. So thanks for tuning in, I really appreciate you. Hit the share button. By the way, just because cash is evolving out and it's worth less now, That doesn't mean end of the world, doesn't mean you're gonna make less. If you evolve quicker than cash, then you'll be good. And the best way, I believe, to evolve quicker than cash is turn cash into assets and make assets produce income, because income is king rather than cash. So go and join now at rob.team, R-O-B dot T-E-A-M. Open a new window and type it in. You can get, what, 10, 12 pieces of premium content from me a month. How to start a business, how to scale a business, um, how to create multiple streams of recurring income, how to build digital assets, um, how to invest, uh, how to monetize social media and the internet. You and I said, I got £20 in my pocket, what should I do with it? Join rob.team for a fiver. That's 4 months, consume all the content and learn how to invest and start a business. And make money with no setup costs. Many businesses I'm teaching people to set up now, they have virtually low to no setup costs. Your own membership site, for example, or, you know, building a brand on social media, or delivering online courses. Those 3 business models can generate you cash in a matter of days and cost virtually nothing to set up. So if you'd like to learn how to do that in more detail, go and join right now. Open a new window and type in rob.team. I'll see you in the members area. You get access to me in a WhatsApp group, by the way. I've been messaging my new members this morning. I've got hundreds of new people signing up in the last few days. It's a great community. And remember this: if you don't risk anything, you risk everything.
