In this YouTube monologue, Rob Moore warns viewers that major UK high‑street banks have experienced payment‑system failures on consecutive paydays, preventing people from receiving salaries or paying taxes. He argues these outages are symptomatic of deeper structural problems: banks operate on extremely low fractional‑reserve ratios (as low as 4‑7%), making them effectively insolvent and vulnerable to runs. Moore urges listeners to protect their wealth by preserving cash, resisting a fully cashless society, spreading funds across multiple institutions, and holding liquid, non‑bank assets. He introduces his "Store, Invest, Multiply" (S‑I‑M) framework, promising to teach how to generate an extra £5,000 a month in five hours of work and simultaneously save £5,000 in expenses. The video culminates with a free, limited‑attendance Zoom workshop (robmoore.live/sunday) where he will detail these strategies, emphasizing the importance of both making and retaining money to safeguard against future banking crises.
Chapters
Major banks crash on payday. I'm going to have to say this quietly, I'm in a public place. However, twice in the last 2 months on payday and on a day where it's been very important that you need to pay money, i.e. the tax return day, the banks have crashed. Now I don't mean the banks have gone bust, the banks are already bust. What I mean is the banks' payment systems and your ability to receive money, they have crashed. So payday this month. If you think about the software, the systems, the banks, why is it? Is it the moon? Is it the tides that's created the banks to crash? By the way, nearly all the high street mainstream banks They crashed. People were not getting paid. You were not receiving your money on payday. And then you couldn't pay your money to pay your taxes, which could land in fines for you. Um, last month at the end of the month, so twice in a row at the end of the month when you're supposed to be receiving and paying money that's really important for you and your financial affairs, um, the systems, the software, the banks have crashed. Now, it could be the moon and the tides, or could be something more calculated and controlling at play. Now, if this is not the warning to you, I don't know what is. The, the only other thing left really to, to make you change your behavior around money in the banks is when they go bust and you lose all your money. Um, and that happened in 2008, and yeah, there were some bailouts But banks are bust, they are insolvent. So I have been fighting for a cashless society. I've been warning you to preserve cash. I've been warning you to decentralise your money. I've been warning you to not have all your money in one bank. Warning, warning, warning, warning. And some people are like, oh, Rob, you're so grumpy, you're so negative. No, this is your fucking money. So I'm going to give you another few warnings again. I'm going to give you a couple of solutions for sure. But I learned something new about the banks, and I thought I knew a fair bit about how they work. So I don't know if you know what the fractional reserve system is. If the banks— if you give the banks £100, then they can lend or invest out £90 and only keep £10, so 10% of your money in the banks for liquidity. Now, I learned that actually many banks it's only 4%, some banks it's 7%. That makes them insolvent. Imagine you giving them £100 and they only keep £4 or £7 in the bank. You put it in the bank, you didn't put it to where they want to invest. They did that, they chose that. You want it in the bank. So that means it only needs 4 or 7% of us to want to take our money out for there to be a an insolvency event. I mean, banks are insolvent, but an insolvency event is if 4 or 7% of us— and I used to think it was 10, and I have a good source that it's less. So this is a big warning. And there were runs on the bank in 2008. Look, we don't really trust governments and banks and media like maybe we used to. They've kind of been exposed. So if the software and systems and payments are all crashing on payday this month, and Payday and Pay Your Tax Day last month. If that's not a warning to you, I don't know what is. So you have been warned. So here are a few actions. Number 1: fight for a cashless society. You know, make sure that where you can use cash, you do, and you resist a cashless society as much as you can. Because when there's a cashless society, banks could turn off your money whenever they want. They could whack up inflation whenever they want. They can reverse your money, debank you, freeze you, control you whenever they want. The two main ways you're controlled is media and money. And if you have no money, you have no freedom. But you know, money is much more linked to freedom than people give credit for. No money, no freedom. You can't do anything, you can't go anywhere. So make sure you keep minimum amounts of money in the bank. You preserve cash, you fight for cash, you spread your money around different banks if you have to use them. I'm not saying banks aren't useful. They are useful, they're practical. Tap and pay, you know, really good online sort of visuals of your budgeting. You know, you're able to do standing order, direct debit, convenience. I'm not a bank hater, I just want you to know the full truth. So if you, one, minimize your use of the banks, two, maximize your money in other liquid assets, um, three, decentralize it away from the system of control, um, you know, you don't want one bank having all your money. For, you know, which assets to invest in that are growing value, because savings don't, but also are liquid. So it's like a glorified savings account, but it's not a savings account. And these are some of the things that you can do to preserve your wealth and protect yourself from other banking crashes and crises. And, you know, when the moon and the tides are all out and all the banks, you can't pay or receive money. So I'm actually running a Zoom soon in the next 48 hours where I'm gonna talk about how to make more money and save more money. And when I say save, I mean store to invest. You know, you're taught that saving money is giving it to the bank. No, no, no. They want you to believe that that's what saving is. That's not saving, that's giving the money to the bank and it going down in value. So I don't save money, I store it. So I'm gonna teach you to store, invest, M, multiply. S-I-M, store, invest, multiply. And you do that on the way up, i.e., making more money, and on the way down, i.e., saving money, paying less in tax, paying less in expense, and knowing how to manage your own affairs. So there's kind of like a double win I'm going to give you on this Zoom. So the link for this Zoom, I won't charge you anything for this Zoom. It's one of the things I do to give back. And I already made all my money. The link is robmoore.live/sunday. robmoore.live/sunday. So you can see the agenda, the date, the time on the Zoom. I'm gonna talk to you about making £5,000 a month on 5 hours a week so you can have some good buffer of money to give you some comfort and freedom. And then how to save £5,000 a month or more in expenses so you've got the double effect. 'Cause if you make a load of money but give 80% of it away in taxes and expenses, well, actually you're only making 20p in the pound. But imagine making an extra £5,000 on 5 hours a week, but then also saving £5,000 a month. So you retain a lot more of it. You making it is one thing, keeping it is another. I remember a very famous celebrity on my podcast. I asked him what's his most brutal life lesson, and he said, Rob, a million isn't a million because by the time you paid your agent and your staff and taxes, A million could be 300 grand. So making it is one way, retaining it, saving it, getting your tax bill down, getting your expenses down is another way. I'm kind of, for the first time ever, I'm going to cover both angles on this Zoom. I'm also celebrating my business partner's 48th birthday. I've got some special things I'm going to offer because of that, which I think you're going to love. It's going to be right up your street, I think, if you want to make more money, save more money, and protect yourself from all these banking crashes and, um, no one getting paid on payday. I mean, if that's not a warning, I don't know what is. So the link is robmoore.life/sunday. The date you'll see, the agenda you'll see, the time you'll see. No recordings or replays, not even for Rob.team members on this one, 'cause I'm covering some secretive stuff that my business partner's a hacker on, that quite frankly I don't want in the public domain. So one-off opportunity. So go to robmoore.life/sunday, and let this be the final warning if you've been watching my content. Maybe the banks won't crash. Maybe it was just a tidal pull of the moon that meant that last month on payday and this month on payday, a load of the banks weren't paying you and there was a systems error. Maybe. Maybe it's just, you know, maybe. But maybe it's the warning that you needed. And learning how to decentralise, protect your money, store rather than save, not have so much reliance on the banks, make more, retain more. These are all the things I'm going to teach you at my events and on this Zoom. Which is where it all starts. RobMoore.live/Sunday. And if you don't risk anything, you risk everything.
