The Disgraceful Lack of Financial Education

Hey everyone, it's Jess and James here and welcome to the takeover. I have absolutely just taken over all of Rob's social media. You can't see it, but I have a gun under this desk right now holding him to ransom.

Oh, that's a gun, is it?

Hey, going straight in. I've taken over. There's a reason I've taken over. There's a very good reason I've taken over, because we're living in a world of collaboration, not competition, and this handsome chap over here that happens to just be a good friend, but a business partner of mine who's doing some incredible things right now. So I've decided to take over all of your social media channels as well as broadcast to mine and do something monumental. And that is launch the Mind Over Money podcast. I've been following Rob for many years now, watching him with his top podcast take over the world. And I'm feeling a little bit left out.

So about time, mate.

About bloody time. But thank you for the push. Thank you. Thank you.

And by the way, great concept. Mind Over Money.

Mind Over Money. Are you really? Well, look, look, just shameless plug. I'm working with Rob and his team. If you want to get your podcast sorted, speak to these guys. Look, I don't want to do it myself. These guys are taking care of everything and they helped me come up with this concept. So look, check in with Rob's team if you want to get your podcast sorted. So we're here. We're about to shoot an episode of the show. I'm very honored, actually, because we're here in this fancy studio doing it here. But I've also got you here, Rob. And for those of you who don't know Rob, obviously, I'm very sure your followers know who you are. But for people watching at home, who don't know who Rob is, welcome to this Mind Over Money podcast episode. I'm super excited about this podcast because there's someone here with me who I class as the thought leader when it comes to money, especially not just here in the UK, but globally. He's the author of the bestselling book Money Anyways. So if you haven't got it, go and get it right now. He is a Guinness World Record holder. He owns multiple businesses, specifically in property and training. He's trained tens of thousands, if not hundreds of thousands of people all across the world, owns well over 1,300 properties now. What is it?

We have 1,540 tenants.

1,540 tenants. So he's not just doing it, you know, he's teaching it and he's teaching it and he's doing it. He's doing all that great stuff. He's wrote 18 books, 18 freaking books. His podcast, The Disruptive Entrepreneur, which you should go and check out, by the way, is the best business podcast out there right now. So make sure you go and check it out. He's interviewed some incredible celebrities like Floyd Mayweather and all these kind of incredible souls. But he's here today and I feel very blessed because you're usually like, you're usually interviewing like big freaking famous people. And now I've got the chance to interview you and I feel incredibly privileged. So thank you so, so much. So welcome to the Mind Over Money podcast. Now, Rob, I'm just going to go straight into it because there are some people watching this and listening to this who might not really know who you are. I'm always wary when I ask this question, and especially when you ask it to me, because I can rattle on for 3 hours talking about who I am, but who are you in a nutshell for everyone there?

I am a previously practicing artist who was raised by a very hustly street fighter entrepreneur who ran pubs and bars and clubs. And, you know, I guess I got to observe the, the blood on the streets way to, to make a living. Yeah. Although I haven't headbutted anyone to do it, but my dad did that many times. And I guess now you could say I'm a creative entrepreneur in the sense that I have 1,540 tenants in my property investing companies. We have ownership management and lettings companies, and we just finished developing a 99-apartment, 159-tenant block, which—

Yeah, sure, it's incredible.

Yeah, it made 13.5 £477 million in November. Wow. But also, I like to help inspire as many people across the planet to start and scale their own business. So whether you call that a teacher, an educator, an inspirer, a ranter, a creator, somebody who likes to leverage social media, I don't like using the word influence. I'm not here to influence people. I'm here to inspire and educate and disrupt. People. I think business and entrepreneurship is one of the most creative endeavors. People often say, well, Rob, you used to be an artist. Don't you miss painting and drawing? But I get to be creative every day. We've been thinking about what are the titles for these lives to make them stand out. That's a creative endeavor. So I guess that's what I am. I'm an author as well, a public speaker, and also I'm a student. I'm a student of money and business and entrepreneurship because I think, um, there's always more to learn.

Yeah, absolutely. Love it. And look, we're going to go straight into it. The reason why I love this podcast, because it focuses around money. Now, I didn't grow up with much. I grew up in a very poor neighborhood, um, with wearing secondhand clothes, uh, watch my parents work really hard every single day only just to make ends meet. And I could have easily been influenced by my environment around their thoughts around money. And this is going to be quite disruptive what we talk about today, but I, I grew up in schools that educated us to just do okay, get jobs and be okay. Didn't teach us any financial education, um, taught us to play at a certain level. And something made me go against that, and it wasn't necessarily the strategy, it was my attitude that shifted towards money. So from an early age, I used to love spending money, I used to love doing it, but I was told it was a bad thing. I was told don't go into Don't do this. So my mind was like, hang on, how can something that brings me so much pleasure be bad? And so my thought process changed around it. I said, well, you know what, if spending money makes me happy, my solution, I suppose, for that is go and make more. But not everyone's wired that way. I do understand that. So let's be perfectly honest. You mentioned that you like to help other people go out there and make their own wealth and start their own businesses, scale their own businesses. But you and I both know the bloodline of any business is money. We need money to flow. So despite people learning stuff, getting onto courses, educating themselves, in your opinion, what really holds them back?

So there's a few things that hold people back when it comes to making money. The first is their upbringing. So if they were raised in first or third world or developed or developed developing world poverty, that's going to impact their relationship with money. And I'm not the guy that goes around disrespecting and talking down to the broke because Bill Gates said it's not your fault if you're born poor. It isn't. But he did say it is your fault if you die poor, which if you have access to libraries and the internet and podcasts and social media and books, then it is your fault. And so the main thing is people's environment and parenting, I would say, and then schooling. So if you think about it, what's going to impact us the most on our beliefs is, one, the environments that we're in, two, how much time we spend in those environments. So you could have the richest uncle in the world, but if you only spent 1 hour a year with them, that's not going to unwire all the poor programming of your environment, your country, your government, your education system, and your parents. So this is— I mean, occasionally I get ranty and occasionally I'll be a bit divisive, but I don't disrespect the poor or the broke or the skin. I just want to help them change. But the thing is, what holds them back the most is not really doing what it takes to change. So you can't help your parents, you know, when they say work really hard or save money or money doesn't grow on trees or yada yada, don't flaunt your wealth, all of these kind of things, which I know our parents have our best interests at heart. But what our parents are doing is protecting us from the things their parents did that they perceived didn't serve them and then trying to help us maybe carry down some things they thought their parents did do well, or passing our own belief system down. So if you were raised in Newcastle in the coal mining areas of the '60s and '70s and dark and, you know, very— not really an entrepreneurial age, that's going to impact you. Whereas if you were raised in Silicon Valley, you know, or Web3 or the metaverse, then you're going to have a different— so I'd say Probably number one is environment and parenting, depending on which one impacts you the most. Yeah. Um, your school. So what kind of school, um, you know, did you go to? Um, and most of them have got really poor financial education.

Yeah.

And the skeptics say that's because, you know, they want to bring them into the system and the New World Order. But I think there's, you know, we need doctors, dentists, nurses, lawyers, and, you know, and the school system produces those. Just doesn't produce entrepreneurs really. Entrepreneurs have to rebel against the school system. I remember hearing an entrepreneur say, I didn't fail at school, school failed me. And what he meant was school failed me at teaching me to be an entrepreneur. But school isn't designed to teach us to be entrepreneurs. We have to break the school system and the shackles of that if we want to be an entrepreneur. The media you put in your mind. This is why I love your title, Mind Over Money. It's got like a at least 2 or 3 meetings in, it's about money. So the podcast you listen to, the people you follow on social media, the influencers, the authors. Now, I broke away from that upbringing and parenting and environment and media and friendship circle. I broke away from that on December 15th, 2005.

Wow.

And that was the day I decided to make a change. And so this morning I went to get my medium skinny cappuccino at 5:30 and I'm listening to a podcast on the future of money. So, you know, I'm not listening to the radio. I'm listening to a podcast on the future of money, even though I am the author of Money, and even though I've got the podcast called Money. Yeah, I'm still educating myself on money. The people I speak to are a deck of millionaires, 100 millionaires, and billionaires. The people I follow on social media are that. The people I interview are that. So, you know, there was a really famous study done. I think Sigourney Weaver ended up doing a little film documentary I'm modeling it. But there was someone who lived with I think apes or monkeys in the forest for many, many, many years. And she ended up exhibiting the traits of these primates because you become your environment. So if you want to make a change, you have to look at your environment. Because Justin, I know you're into mindset and personal development and positivity. But it's really hard to do all that when everything around you, media, parenting, friends, family are all infiltrating you with all this negativity or socialist communist sort of conspiracy theories or attacking the billionaires or whatever else. Whereas that's a lot of energy to resist that, push that all away and protect yourself in your mind. The easier thing to do is to just change your environment. So anyway, I can't remember what the question was, but there's some thoughts. What's the biggest thing that holds people back? Their environment, their upbringing, their education, etc. And then the lack of responsibility to change.

See, that's why I love you, because you just say how it is and tell the truth. I'm going to add something to that because it's all, all of it, all of it is true. And I guarantee you, people listening, people watching at home right now, guarantee you they've also had other people around them tell them that as well. Change your environment, look at your upbringing, look at the patterns of behavior you're engaging in, look look at all of that stuff and they still don't move. And I'm going to go as far as saying is because when people say they can't, it means they really don't want to. So what they're really saying is, or sometimes means they don't know how yet.

Yeah.

Or there's a lack of education.

Yeah.

But what I, what I look at is we're living in a world of abundance of resources. Becoming a millionaire in the 1970s was way harder than it is to become one right now. Because there are so many more resources available. So when they're— when you're seeing people around you do this day in, day out, day in, day out, there is not one. And I refuse to believe that anyone can say that in this world of abundance that we live in, that you can be broke. Like you just said, it's a choice to a certain extent. My thing, though, is, is this: no matter how much they learn from you, from me, from anybody out there, there's something on a deeper level that's stopping them from moving forwards. And that, with all due respect, is comfort.

Comfort is the enemy of greatness. There we go.

They're comfortable. And I'm sure you've seen this as well, where people say, like, for example—

Oh, by the way, you can be comfortable and still be completely in the shit. Yeah. You know, it's not— this is the point— comfortable means quite a good life.

No, no.

Just scared of change.

Scared of change. You can literally have £0 in the bank, but you know, come what may, you've still got a roof over your head. You're going to eat something today. And you're going to be okay, whatever happens. And that's because people unfortunately don't move until it really, really, really goes bad. So it's not about resources, resources, about resourcefulness. So what needs to happen for someone to actually go, right, I need to be more resourceful now because enough's enough. Now, my take on it is you tolerate stuff and then you have standards. Tolerance gives you flexibility. Standards makes you go, right, I'm not doing that anymore. So what do people really need to do to actually tap into their standards and not tolerate stuff? Because a lot of people just tolerating it. They look at you all the time. Thanks for the content, Rob. Thanks for the content, Rob. Thanks for that. Oh, that's amazing. That's amazing. And you meet the same person next year and they haven't moved. So say it how it is. What do you want to say to those kind of people?

They probably need to get more uncomfortable if they're too comfortable to make a change, which is one of the theories you're putting across. And I agree with that. Then they need to get more uncomfortable. Now, you'll get uncomfortable two ways. Someone or something or an event will disrupt you into discomfort. Like on December 15th, 2005, when my hero, my dad, had a massive nervous breakdown in his pub, literally started convulsing and looking like he was having an exorcism and got beaten up by the police and arrested and sectioned and diagnosed with bipolar.

And that happened in front of you, right?

You were there. Me and my mum and my sister on the front row. Front lawn outside our pub, and there were at least 30 of the customers looking through the window watching it happen as well. And look, I was that person you're talking about. I was complacent, cocky, comfortable, uncoachable, flippant, arrogant, her, all these things. I wasn't a complete twat, but I wasn't far off. But it manifests in these defensive protection mechanisms. And I was that guy. So I know because I've been through the journey. I wasn't born into wealth and I started with nothing. I started with -£50,000. I was in debt. So, but what happened to me was I got so uncomfortable because of an external event. But you either wait for an external event like that, which one, you could be waiting a long time and two, if it happens, it could be disastrous. So you don't want to wait. You need to create that traction and that energy and that pain. So I remember Arnold Schwarzenegger. Everyone was telling him that his calves were too small to ever win Mr. Olympia. So he'd shame himself by always wearing shorts and everyone would be saying, you've got skinny calves. You know those weightlifters that everyone takes the piss out of that have got pigeon legs and a massive upper body? Yeah. Well, Arnold Schwarzenegger shamed himself by always wearing shorts so he could create pain in himself for change. So you'll either get disrupted by the world like COVID. COVID, you could look at it a lot of ways, but someone said to me, it was Carole Baskin of Tiger King. She said this to me because I interviewed her and she said it was basically in different words, but she basically said that the universe is humbling us and the universe has given us COVID to teach us a lesson. And I would definitely say in some respects I was comfortable or I'd stopped taking risks. I mean, I'm the guy that says thousands of times, if you don't risk anything, you risk everything. And we were doing well before COVID And if I look back, there was a few things I probably could have or should have done. So you're given these external events to shake you into discomfort because it's only discomfort that creates change and change creates growth and growth creates evolution. So you know all these people that say, oh, just want happiness. It was funny because I interviewed Nigel Farage. His episode goes live today for us. And he said, all these people, they just want to be happy. And he sort of took the mickey out of them. The universe doesn't want you to be happy. And there's no evolution in happiness. There's evolution in disruption and change and challenge. And diamonds aren't formed through happiness. Diamonds are formed through pressure. So you either wait for the world to give you disruptions and you do something about it or you don't. But if you wait long enough, those disruptions will get bigger for you because the universe needs you to grow or you'll create it in yourself. So I create quite a lot of my own pain. So I was the fattest kid in my school when I was younger. I've got a lot of pain and shame around that. So I've always got this void of wanting to prove myself. So there's inherent built-in pain. I've learned that's quite common among very wealthy or successful people. Is there something in their childhood which— Oprah Winfrey was abused.

I was bullied. I was bullied for secondhand clothes. I was bullied for wearing my hand-me-downs. I was laughed at.

And now you're just bullied for wearing expensive clothes. Exactly. I spend a lot of money to look this stupid. So I've got that inherently in. And a lot of immigrants like Arnold Schwarzenegger, Gary Vaynerchuk, you know, the immigrants. And there's a lot of pain and racism which you would have experienced. It's awful. But there's an upside to everything. So it's either inherently built within you like it is within me, or you go and seek it. And I seek it because I need to challenge myself and I need motivation to challenge myself. Naturally, I'll go and seek that. Like, I'll look at the podcast charts and I'm like, damn, I've gone down to number 6. I've got to get back up to number 1. Or, you know, you look at your net worth statement or you look at your competitors or you look at the market. So disrupt yourself, otherwise someone else will disrupt you.

I love that. I absolutely love that. And this is the whole point. Like, honestly, if you look, a lot of people say if nothing changes, nothing changes. And I think that's absolute crap. Absolute nonsense. If you do nothing, it's gonna get worse.

Well, the universe moves towards atrophy, which means things decay over time. If you leave anything long enough, even the sun, it will take a billion years, will turn into a black hole. So the universe moves towards atrophy, 100%. If you're green, you grow. You're ripe, you rot. Everything decays.

Absolutely.

So you're completely right. People think, um, you know, people think that nothing changes. No, no, you just— like, if you don't go to the gym for a month So you actually, you're gonna, you need to do a certain level of growth just to maintain. Absolutely. So you need to do double growth to grow. It's a good point.

Yeah, yeah. So this is, this is why if you're listening to this and you're watching this right now, I really hope you, you've just taken away what Rob just said because some of us are just way too comfortable. And like you said, sometimes you need to seek that pain because people, I've found, you know, after training, you know, thousands of people all across the world, being in psychiatry since I was 19 years old, I've found that people move because of pain, not really pleasure. Like People will run from a burning building before they run towards their dreams. It's just how we're wired. So can you attach some pain to your current situation? Can you make what you're currently earning insignificant? If you're in a job right now, I know you moan about it, but you still go there. Like, what can you make a non-negotiable right now that would make you want to change? And I think a lot of people are not tapping into those non-negotiables, especially around money.

And here's the thing right now. If you can't motivate yourself with all the shit that's going on in the world, then maybe Maybe you've got bigger problems because inflation is probably 15%. We're probably in hyperinflation. Interest rates are still really low. So inflation and interest rates are way out of kilter. The royal family in the UK is falling apart. I mean, if you're the Queen, her son's ruining her image, her grandson's ruining her image. So London Bridge is falling down. Inflation is super high. COVID lockdowns, quarantines, mandates, deportations. All of this shit is going on in the world. Many local and retail businesses so hurt. Not enough government subsidy and support. VAT still 20%. Income tax is like mine's 45%. Then you've got corp tax going up from 19% to 25%. Dividend tax going up. So the world is trying to tell you, look, there's all this shit. There's all this shit. Grow. There's all this discomfort.

Grow.

But here's the thing. Human beings' natural instinct is look for the easy way out. It's like a turtle. Oh, I'll just go back into my shell. But nothing changes, like you said.

And that's essentially because that's how we've been programmed. Like, your brain is designed to keep you safe. It's designed to take the easy way, not the hard way. So even though you get motivated and go, right, I've listened to Rob, I've listened to this podcast, I'm going to go and do it. Yes, I'm going to take over the world. What your brain does is it goes, right, hang on a second. That's not the easy— that's not the trodden path. The trodden path is actually go the easy way. So It's just the default programming we got to go and do, but make things easier. And it's interesting you spoke about atrophy and growing. I was interviewed yesterday and I was asked like, why is it some companies grew during— they asked me as an example, why did your companies grow during COVID and some people folded? And Mind Over Money podcast, I had a growth mindset, not a retraction mindset, whereas most people were getting rid of staff, saving on bills, cutting back literally on everything. I was hiring staff. I was investing more money into myself and assets, collaborations, growth, abundance mindset, which has literally made us good money but has helped us grow our companies. In fact, I launched 2 new companies during lockdown because of the growth, not the retraction. So I guess the message is right now is have a look at your situation. Are you actually cannibalizing your own future by listening to all this stuff that's going on around us and retracting even more by saving? I'll cut back on this. I'll stop going off and getting my— was it your skinny mocha frappé, whatever the hell it is? I'll stop doing that. I'll stop spending on this. I'll stop spending. I'll cut my gym membership.

And you got—

you're subconsciously going into this retraction mindset and you don't even know you're doing it. Yet you're listening to this podcast wanting to grow. So what shows up in intention doesn't always show up in behavior. I've always said that to people. So have a think about How are you behaving right now? Because you might have the best intentions. And this is why Rob and I do what we do. We want to be there. And as they say, when the student's ready, the teacher shall appear. Maybe this is the lesson you need to hear right now. Like, are you still sitting on the fence, being comfortable, all this kind of stuff? Because honestly, we're not here to be morbid and make things negative. But there are crises literally happening as we speak. And a lot of people, they're not preparing themselves for that. You see, at the end of the day, if you think about it, I'm very grateful. I'm sure you are. When we went through the pandemic, for example, it was, it was sad because a lot of people lost money, lost houses, lost jobs, lost lives, all kinds of stuff. And I'm a big believer in your state dictates your outcome. You and I fortunately took care of our finances prior to that happening, which basically meant whatever's going on, we're good because we created our own economy for ourselves. And not many people are fortunate to do that, which meant we were in a better state to to make better decisions, to take better actions, to get better results. Most people went into a state of panic during lockdown, which made, they had poor decisions, poor actions, terrible results. So that proves to you, your state dictates your outcome. So right now, what do you need to do to manage your state? Because I promise you, if you get knocked on the head again tomorrow, it could be the only knock you get to wipe you out completely. Most business owners are 3, just 3 months away from getting wiped out completely. Some of you are 1 month away. 'Cause most business owners don't even have enough funds in their bank account to keep their business rolling if they don't have any income. And what needs to happen? What really needs to happen? So prevention is better than cure. You've heard that before. So I'm guessing what you're saying, Rob, is you create, I don't know, your own pain, like you said, rather than wait for real pain to happen. You look at the podcast charts and go, 'Tony Robbins is ahead of me.

Bastard.

Let me get him,' right? You create your own pain. And I like the fact that you draw on your own past and you're quite open to admit where your insecurities are, that you use them to fuel you. And I'm a big believer in turn your faults into features, take what doesn't serve you and make it serve you. So what top tips can you give to someone who's really comfortable right now? Like literally, like right this very minute, what can they do right now? Not after watching this, right this very minute, what can they do? What would you tell them?

I think understand the universal law of polarity and balance. So I believe a universal law of polarity states that everything is neutral, balanced between a positive and a negative pole. If you look at a battery, has a positive and a negative pole. If you look at atoms, male and female, everything has a positive and negative pole that creates— if you look at a sun versus a black hole, something that sucks in energy, something that creates energy or creates that energy exchange. So If you look at a COVID pandemic lockdown, most of us would only see the negative pole. We wouldn't see the positive pole. Yeah. So if you're able to see the upside in the downside, I think that's the greatest gift you can give to yourself. So, um, love that. It's easier to do when you're in a balanced emotional state. So when you're elated or depressed— so elation is an extreme positive pole, Depression is an extreme negative pole, and both of those are out of balance. And the universe will continue to give you feedback to put you in balance because the universe or the globe or whatever powers require balance for evolution. You know, you take a particular animal out of the food chain, it completely disrupts the balance. If everyone was elated, it would disrupt the balance. If everyone was depressed, it would change the balance. So, um, what will happen is you'll naturally go out of balance because, um, that's what your emotions do to you. Emotions are simply feedback to the inner environment. So we're reacting to the environment with emotions so that we can understand how to move away from, um, danger and threats and move towards safety. So we get these emotions, which essentially is just feedback, and then this creates an out-of-balance pole, either elation or depression or variants of it. And then when we get either elated or depressed, we will get feedback from the universe to pull us back into balance. So I don't know if anyone has ever said, oh, I don't even say everything's going so well because every time I say that, something goes wrong. Yes, that's because the universe can't have you always doing well. Yeah, but it wants you there as a reward, but it can't have you always as an offset. And then I don't know if you've ever felt so shit that everything's going to shit and then something came along to help you, or you moved beyond a hard marriage, or move beyond going bankruptcy or whatever. So in the end, you always get through because you can't be down for all that time as well. So you'll always be pulled back down into balance and lifted back up into balance. Or you can learn to do that yourself. So if you learn to do that yourself, you're not out of balance for so long and you're not in this cycle of elation, depression, elation, depression, which becomes an addiction. So when the lockdown happened, I will admit it pulled my energy down. It didn't make me depressed. But it made me significantly challenged because I've never seen it before. And a lot of people around me were scared. In fact, a lot of people in the media were scared. In fact, the whole world was scared. So there was this global fear, this global negative pole. And then basically it was a question of, all right, so what opportunists and entrepreneurs are going to see the upside? You know, the 10 richest people doubled their wealth in the lockdown, in the pandemic. Bill Gates's wealth went up by 30%. Elon Musk's went up by 1,000% according to Oxfam. So, you know, they did all right. And I've been talking about running a global company for years. I've been talking about running online events globally for years. I've been talking about running certain events like my podcast course and my subscription membership site course online for years. So even though I'm pretty proactive, there's plenty of things that I wasn't doing that I was intending to do.

Likewise.

And the lockdown gave me the greatest gift, which was do it now. And so I think, I really do think that the Law of Polarity is a great guiding light for business and life because we all know that tomorrow we can wake up and get good news or bad news. We all know that we can have good days and bad days, and we all know that they're ahead of us. Whereas if you can see the upside in the downside, you have the ability to regulate your emotions. And when you are neutral in your emotions, you make better financial decisions, better business decisions, better relationship decision. Like in a relationship, what's elation? Elation is blindness to the downsides. People think elation is always the fantasy— oh I'm in love! Oh finally I found the person of my dreams. No no no because you end up marrying that person and then you end up divorcing that person but that's the same person. So elation is blindness to the upsides. Depression is blindness to the downsides. So if you can do this yourself rather than having to have the universe throw you people and events and feedback to put you into balance. And then the second and final thing I'll talk about what people can do. One, understand the universal law of polarity. And two, to fully understand that, you have to be grateful for all things and small things, not just the good things.

Yes.

So anyone can be grateful when they're skipping down, holding hands in the summer through the poppy fields. Oh, my life is great. It's fucking easy to be grateful then. But what about when your business is going to shit? What about when you're getting trolled like hell on social media? What about when you're going through a difficult divorce? What about when you're going through a lawsuit? Now, if you can learn to be grateful for that and see the upside in that and that regulates your emotions, you'll make better decisions.

That's probably one of the most spiritual answers I've ever heard you come up with. Have you been like getting one-to-one mentoring from the Dalai Lama or something?

Well, you know what?

That was deep.

You know the real summits that we both Yes, yes, yes. Well, 2, 2 of those events ago before me was Robin Sharma, right? After me was Deepak Chopra.

There you go.

So a spiritual sandwich.

You got a sandwich. And I love, you know what, I love that because that's, that's the, that's the core of everything. Like you just hit the nail on the head. Obviously, being an ex-psychiatric nurse, I have witnessed actual elation in bipolar patients. It's up and down. So I've seen people super duper up there, elated.

Dangerous, unaware, most dangerous, unaware of all the dangers around them.

I know, like walking into the middle of the street, like, yeah, there you go, right up there. And then I've seen people right down on the floor, unaware of all the bad things that are going on right now. Like, literally, there's no, there's no balance.

Yeah.

And I suppose, like, for me anyway, having seen that, and I could align with a lot of what you're just saying there, like, I was doing extremely well, and then my balance came in the form of a divorce. And I was like, suddenly I'm having to sell assets, sell property, sell businesses, go, what the hell? It's like having judges tell me what I can and can't do and where I can see my kids and how I can do this and how I can do that. And it felt like my whole world was crashing down around me, even down to afterwards when I fought the case and I got custody of my kids and I did all that kind of stuff. Like, it got to the point where, you know, I found my— I had some resentment around my, my ex-partner and stuff and things like that.

And so resentment is more focused on downside.

There you go. So then what you've just said about gratitude, I went, you know what, there's no point me being upset or angry with my ex-wife. There's no point me being, you know, bitter towards her or any of us or the situation, whatever it might be. And I had to sit down and literally list out what am I grateful for about her. And the biggest thing I was grateful for is that she blessed me with my two boys. And the minute, the minute I said that, Everything changed. Literally in that moment, all the, you know, anger towards how she was and all the money I had to give away and all this just disappeared. Like, like literally like that. And so I'm a big believer in gratitude has the power to take you from a place of darkness to a place of light in literally record time if you allow it for and allow it to do that. And with money, I was actually at a Facebook Live about it this morning. I did a money challenge to my followers this morning. And I was telling them, because you mentioned about gratitude, how can the universe possibly give you more of what you're already ungrateful for? Think about it. Most people have got like they're complaining, I don't have enough, I've got £5 in my pocket, I've only got a £10 in my bank account, I've only got this, I've only got that. So you're basically already ungrateful for what you've already got, but you want the universe to give you more of what you're already ungrateful for. So that doesn't work. So it starts with being grateful. Even if you've got £5 left, being grateful for the fact that you've got £5, that's £5 more than the person who's on the street right now who has absolutely nothing. Right, so rather than leave people hanging with, you know, we've had a good bash at the system, lack of education, people not knowing better, we've got you to question where you are right now, where you want to be. I'd like to ask you a question that's kind of round this all up, because people come to you a lot, and including myself, around income-generating ideas. So I'm going to say up to 3. I'm going to let you roll with it. If you feel like just fleshing out one, you can. What would you say your top 3 income generating strategies that people could do right now, even if they have access to limited resources? What could they do right now? Would you mind sharing that with us? Sure.

Well, I think I'm going to go 0, 1, 2, 3.

Cool.

So 0 is you have to have the fertile soil in which to plant these seeds of wealth. So the fertile soil is what we've been talking about, being grateful for what you have. You'll never make more money until you learn to manage better what you already have. It would be to respect money and don't disrespect it. It will be to love it and not to hate it. It would be to admire and learn from the wealthy rather than just shout out that they should all be taxed more, etc. So you have to have a belief that you can use money for good. That you are deserving of wealth and riches, that wellbeing is actually financial as well as spiritual and emotional. Do you know, everyone listening, the etymology, the history of the word wealth comes from, I believe it's Latin, weal, W-E-A-L, which means wellbeing. Right. So actually, when you go back through the ages, wealth meant wellbeing. And people say, well, money doesn't make you happy. And someone even said to me, in one of my Facebook Lives that, you know, money doesn't create good health. But I would challenge that. Yeah. One, because over time, wealth and well-being have merged into this definition, which means it must have come from well-being. And you, over time, money has enabled you to have better health, better healthcare. So let's say you got diagnosed with stage 3 or stage 4 cancer and you had to— you had to wait 6 months for your op, or you could pay private. Yeah, you could, you could, you know, pay to a school or donate to a foundation or build a hospital, or you could travel well, you could eat good food. You know, there's a lot of research out there which is now basically saying you can eat disease away by eating good food, eating good, healthy, balanced, whole food. That's more expensive than cheap processed food. Yeah. So do not make the mistake that health and wealth are a separate concept. They're not. They're interlinked. Health is wealth and wealth is health. And the richest people over time live the longest. Yeah, because they've got access to all the science and the research. You know, a lot of people we study, you know, they're all doing the cold therapy. Yeah, yeah, yeah, yeah.

They're incredible.

I've been doing that for ages. Cold showers every day.

Wow.

Yeah, they're epic. People that do this cryotherapy, they're doing all this longevity. You know, I know Naveen Jain has got Viome. So it's the rich people that are doing that, not the poor people. Yeah. So again, you just have to have a fertile soil of belief of money and good and wealth and health and balance and the spiritual and the material all linked. So that's step 0.

Yeah.

Step 1 is I would educate yourself on all things money. I would learn about finances, currency. I would learn about the history, the psychology, the story of money, which is why Mind Over Money podcast is great for you. I have a podcast called Money. I have a book called Money. So stage 0. Fertile soil. Stage 1 is learn about money, honour and respect money, and educate yourself well. Step 2, I would say, is digital assets. Yes, we're in a digital revolution. We're in a movement against globalisation into decentralisation. So I kind of feel a bit strange saying this because I have 1,540 tenants and hundreds of properties, and I've made tens of millions through property and real estate. But what I can tell you is this, this building which is worth maybe $25 million, maybe a bit more, we'll see, that we've just finished developing. It made $13.477 million in November 2021 on the profit and loss. But it took 4.5 years, massive planning issues, massive hike in material costs with, you know, what went on in the world. We lost one main contractor and then another one. We had to have two lawsuits. We had all these people working on site claiming they'd broken their foot or whatever, trying to game us. We had so much resistance from so many people. It consumed millions of pounds and now it's done and that's great and it was worth it. But starting a podcast, you don't have that pain. No tenants and boilers in a podcast. YouTube channel, podcast, social media. Livestreams, NFTs, cryptocurrencies, the metaverse, sponsorship, advertising, all of that I call the digital real estate or the digital revolution that we're in. And with, you know, the internet moving into social media, moving into Web 3.0 and this metaverse and all these NFTs and cryptocurrencies, like you said, the opportunity to become wealthy because there's so many more resources now and they're all online. They're all online.

100%.

So I would say step 2 is getting into the digital revolution and digital real estate, domain names, you know, having followers on social media, going live, creating audio and video and live content. And then the tip 3 is probably build a recurring income. So I have, some people have said that my Rob.team membership site is the Netflix for entrepreneurs. So, you know, you create your own membership site. You know, people are doing OnlyFans, they have a Kajabi platform, They have Patreons, they have a podcast and a YouTube channel that has ads and sponsorship. This is essentially recurring, not occurring income. When you have a job, you have occurring income. When you have assets, you have recurring income. And leverage these digital assets to create multiple streams of recurring income.

Bosh!

One minute, one minute before we're supposed to finish as well. What do you think about that?

I love that.

I love putting that in pipe and smoke it.

But the real question people want to know is, are you really on OnlyFans? That's what people want to know.

Well, if all goes to shit, who knows?

We'll have to start our own.

Yeah.

All right.

Love that, Rob.

Listen, it's been an absolute honor and pleasure. How can people get in touch with you? How can they follow you? How can they be around you more? Because I'm fully aware of what you said about changing your environment. Sometimes people can't physically move, but in this digital era, can they go online? I know when I was going through some of my darkest moments, I had a very intimate relationship with Tony Robbins on YouTube. Yeah. So how can they— how can— how— what's the best place for people to go to follow you, connect with you?

Okay, so I have the Disruptors podcast. We've actually just rebranded the name from Disruptive Entrepreneur to Disruptors. All right. And, um, we're getting some bigger, badder, and more controversial. So Disruptors podcast.

Yeah.

And then you could just find me, Rob Moore, on any social media. Google me, whatever social media channel you're on. Yeah, I'm also on my— Rob Moore. M-O-O-R-E. My rants are on— I do the rants on Facebook. We do, um—

you don't do rants, do you? Do you really?

Yeah, yeah, they— some of my rants go quite wild.

I bet they do.

And for anyone who might be on my channels, Mind Over Money, Jessen James, J-E-S-S-E-N James. Um, so yeah, you're all about mind, motivation, and money.

Absolutely, absolutely. Thank you, thank you, appreciate it. And look, um, if you are watching this right now and you got value from it, especially people watching live at home who are currently watching this, you can go and pre-subscribe for the Mind Over Money podcast right now. We go live, launch it officially on Thursday, and it's going to be weekly, weekly episodes, weekly guests, incredible content to serve you, to help you get out your own way and make incredible wealth. But if you're able to go and do that right now, Mind Over Money. And for those of you who are watching this or listening to this right now, make sure you go and subscribe, leave a review, leave a comment, leave something, and go and share it with someone who you really, really care about. So Rob, any last words for anyone here?

Yep, there is.

What's that?

If you don't risk anything, you risk everything.

Love it. Take care, everyone. Cheers. See you later.