In this monologue, Rob Moore warns viewers that three major institutions – the government, banks, and state pensions – are unsafe places to entrust money. He argues that premium bonds and other government‑backed products deliver returns below inflation, while the UK government carries £3.1 trillion of debt and primarily uses tax revenue to service interest, making it effectively insolvent. He advises keeping only a minimal cash buffer in banks for day‑to‑day expenses, noting that banks hold only about 10 % of deposits and invest the rest, exposing savers to runs and low real returns. State pensions are described as under‑funded, likened to a Ponzi scheme, and therefore a poor investment. Moore then outlines alternative wealth‑preservation strategies: decentralized assets such as Bitcoin, physical stores of value like gold, and tangible assets you can control (real estate, classic cars, watches, art). He promotes his membership platform, Rob.team, which offers courses, masterclasses, and a community aimed at helping members make, manage, and multiply money, reduce taxes, and build recurring income streams. The video concludes with a call to action to join the platform and a reminder that avoiding institutional exposure is essential to protect wealth.
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Warning: never give your money to these 3 institutions. Number 1, the government. You're lured in with premium bonds, win prizes, but the return on premium bonds is way lower than inflation, even when inflation is low. The return on premium bonds is virtually nothing, and I don't believe the government is a safe place to put your money. They are insolvent. They are in £3.1 trillion of debt. They cannot pay off their debt. They are not paying off their debt. They are taking tens, maybe even hundreds of billions of our tax-paid money and only paying the interest off on their debt. So do not put any of your money anywhere near the government. And ideally, you get your tax bill down as well, um, because I think that— well, do you know what? Get this. Do you know the top 3, um, areas that your tax money goes to? Have a, have a guess in the comments, or hit me up in the comments. Do you know the top 3 sources of your tax revenue? One is other, i.e., they're not telling you. Maybe it's politicians' wages. Two is NHS, which is broken. It's sad how broken the NHS is. And then three is repaying interest on national debt. Not getting the debt down, but just the interest on the debt. And so let's say that's 10% or more of your tax revenue. That is just going on interest. It's just dead money. So never give your money to the government ever, and do your best to get your tax bill down. Now, if taxes were fair, I wouldn't be saying get your tax bill down, but they are not fair. Number 2: never give your money to banks. Now look, you need your expenses in the bank, I get that. You want 1 or 2 months' worth of your subsistence and living expenses. Of course, you, you know, it's convenient to pay by card and tap on the the Apple phone, and many places you can't pay cash anymore. Haha, cash! Hold on to your cash. But any over and above money, savings, investments, don't give it to the banks. The banks are also trading insolvently and illegally. They have got maximum 10% of your money in the bank, and they've loaned and invested the rest of it out. So now look, someone has said, what about ISAs? I don't put my ISAs in cash, I put my ISAs in the stock market. And I actually think S&P 500, FTSE 100, that is way safer and way more diversified than one bank. Don't— do not give your money to one bank. Do you remember 2008 and Northern Rock? There was a run on that bank. There's been run on the banks in Lebanon, run on the banks in China and Japan. The banks have shut down and not given you your money back. And do you know, when the banks have your money, you don't own that any— that money anymore. So expenses only, and everything else should be invested, should be put into assets that you, you control, should be put into decentralized assets, physical assets. I'll come to those in a moment. So minimum money in the bank. Obviously the inflation is really high and the interests are really low anyway, so even if the banks actually do keep your money and don't lose your money or go bust on your— where's the light? Let's get the light back on. You're still getting a low to no return, aren't you, even if the money is safe? Okay, and then final place that you should never give your money institutionally is pensions. So state pensions are insolvent. It has been known that institutions have dipped into state pensions. So don't give your money to any state pension. You're going to get a much lower return. They can't afford the baby boomers and how long everyone is living and the growing population. So essentially, it's basically a Ponzi. So summary: do not give your money to these 3 institutions unless you want to risk losing it and getting a negative return. Number 1, pensions, especially state pensions. Number 2, banks. And number 3, anything to do with the government. Um, let me know in the comments if you think there are other institutions that people put their money that you should avoid. I actually think your money diversified into big companies like the, um, S&P 500 or the FTSE 100, I actually think that's pretty safe. I think it's much better than a bank. It's unlikely that the biggest 100 or biggest 500 companies are going to go bust. So you're probably going to be safe. Now then, that probably begs the question, where should you put your money and what should you do with your money? So I recommend, um, decentralized assets, maybe a bit in Bitcoin, certainly gold. Um, cash— problem with cash is inflation plus your own ease of spending. But, um, watches can be good if you're into art. That could be, as long as you know watches and art. I invest in some art. Watches is big for me. Gold is good. Um, classic cars I do. And things I own, uh, I'm now putting more money into Bitcoin. That's not advice, but I'm saying that I am, not just because, you know, it's relatively low compared to peak, but also because it's fully decentralized and the government can't get their hands on it. So decentralized assets, physical assets, assets you own, and investments— real estate. Real estate certainly better than the you know, the mainstream banks. And okay, you could say, well, you don't fully own your own property, and you know, the, the governments and the central banks can, um, take your property and your loans away from you. But I think that they're safer than the institutions that I just mentioned. Now, if you'd like to learn how to invest well and to get your money out of the system and to be decentralized and have control of your own money and make sure that you make, manage, and multiply your own money and you beat inflation and you get recurring income and you get your taxes down and you get your income up, I invite you to join Rob.team. I've got nearly 10,000 movers, shakers, and changemaker members just like you in Rob.team, and there are hundreds of hours of courses, resources, and masterclasses to help you make, manage, and multiply your money, build multiple streams of recurring income, get your tax bill down and your income up, protect yourself from the system. Even better news is it's less than 20 pence a day, you can cancel anytime, and there's no ongoing contract. Uh, there's an amazing community, and to join it's actually really easy. This is what you need to do, and do it now. Just open up a new web page, do it now, and type in rob.team. Rob.team. Open a new web page, just type that in. Don't even need www. Just rob.team. Go join now. Less than 20 pence a day. You pay monthly and it's less than a large coffee. You can cancel anytime. You could go in a month or two, consume all the content, and cancel if it's not right for you, and basically get hundreds of hours of courses Resources and masterclasses for £12. There's the, um, multiple streams of recurring income masterclass. There's the fastest ways to £10K a month masterclass. There's the fastest ways to £100 grand a year clear masterclass. There's the make, manage, and multiply money masterclass. There's ask me anything live, the only place that you can get that. Um, the list of content goes on, but look, I don't want to labor the point. Just open a new web page type in rob.team. There is virtually no risk. You can cancel anytime. It's easy to join, it's easy to cancel. You just type in rob.team in any new web page. So, quick summary, and I'd love your thoughts. Um, the 3 main institutions I think that your money is not as safe as you're told, it's a really low return, um, and they're essentially legalised insolvent monopolies And that would be anything backed by the government or to do with the government, like premium bonds, anything to do with the central banks, like the banks, and then pensions, because I think that there's not enough money in the system to pay all the pensions out, so your money is essentially going in to pay someone else's pension. And you can create your own pension from real estate, and you can have your own assets, decentralized, Bitcoin, your own membership site. I've got the Membership Site Mastery Masterclass in Rob.team. If you join now, you can jump on a live 3-hour Membership Site Mastery Masterclass to help you turn your content into cash flow and your information into income. So I'll see you in Rob.team, and let me know what you think about these institutions in the comments. The governments, the central banks, the state of the pensions, the state of the NHS, the state of the country. Let me know what you think in the comments, and please share this because you're not taught in school about how to make, manage, and multiply money. You're not taught how to invest. You're not taught how to have decentralised assets, and assets that you control, because the system doesn't want you to know that. The system needs you paying into pensions, paying into loans, giving money to banks. It needs you to do that because that's how it survives. So it actually doesn't benefit it for you to be decentralised, but it benefits you to be decentralised. Because you can beat inflation, you can de-risk losing the money, you can get a better return, you can create recurring income, you can get your tax bill down and your income streams up. And that's exactly what Rob.team is built and designed, um, to do. And there are hundreds of hours of courses, resources, masterclasses, Zooms, live events, ask me anythings, all on the subject of making, managing, and multiplying money and creating multiple streams of decentralized recurring income and money that you control. So I'll see you in Rob.team. Just type Rob.team into any new web page and let me know what you think in the comments. Thanks for tuning in. Protect your money at all costs. Do not give it to institutions where possible. And remember this: if you don't risk anything, you risk everything.
