In this monologue, the speaker argues that the United Kingdom’s looming fiscal crisis is driven primarily by two intertwined demographic forces rather than conventional financial mismanagement. First, he claims net migration is a hidden drain: a steady influx of immigrants who, together with their non‑working families, consume public resources while many high‑earning residents (millionaires and billionaires) are emigrating, reducing the tax base. Second, he points to an aging population coupled with historically low birth rates, which creates a pension shortfall as fewer children are available to support a growing cohort of retirees. He frames the situation as a Ponzi‑like scheme where current taxpayers fund an ever‑expanding elderly population without sufficient younger contributors. To counter this, he outlines three personal‑action pathways: (1) emigrate to a country with a healthier demographic balance, (2) stay but accept rising taxes and debt, or (3) take personal financial control by building private pensions, investing, and becoming an entrepreneur. The speaker promotes his own financial‑education platform, Money School, as the means to acquire the knowledge needed for wealth creation, tax optimisation, and multiple income streams, arguing that wealth equates to well‑being and is essential for personal and familial security. He concludes with a call to action to join Money School, emphasizing that decisive personal responsibility is the only viable response to the UK’s structural economic challenges.
Chapters
The real reason the UK is going broke. Most people don't understand what I'm about to tell you. I think there's kind of two main reasons why the UK really is going broke. I mean, it, it says it's £2.7 trillion in debt. I imagine it's more. Virtually a trillion of that, I think, was added since lockdown 2020. So of course there are financial reasons why the UK is going broke, which I'll talk about second. But the first reason the UK is going broke that no one really talks about, I think holistically, is net migration. So we have these major problems in the UK. By the way, I'm going to give you solutions. I do want to do a positive video one day, so if you've got any ideas, please let me know in the comments. What can I talk about that's positive that people care about? But in the UK, we obviously have this migration, immigration problem where we've got a lot more people coming into the country. But that's only part of it. And of course, what that usually brings now is a lot of people who are a consumer of society. You know, yes, an honest working person will come in, but they'll bring in their family who aren't working. And of course, that's a huge financial drain on the economy, let alone you know, how it dilutes the culture, but that's another story. So we've got this net migration issue where we've got more people coming in than leaving, but all the people that are coming in generally aren't producing for the economy. But then a lot of the people who are leaving are the millionaires and the billionaires who are the major producers for the economy. So this is half of two of the main issues why I believe the UK really is going broke. Okay, but the other half is the aging population. So we have all the baby boomers, all kind of born after the war when we were making loads of babies. And what we have now is this vast aging population which the country can't afford to pay for. There isn't enough money in the pension pots to pay for these people who are living longer But the key thing is they're having less children. So we used to— do you remember the saying 2.4 children? I think there was even a TV show called 2.4 Children. We're now having 1.4 children in the UK. Now in the UK, the average parent will have, I think, 55— sorry, the average 100 parents will have 55 grandchildren. In Korea, it's 200. And we're really low down in terms of how many children or grandchildren we're having. And we've got this vast aging population. And because these baby boomers or these aging people aren't having as many children as they used to, they don't have their children to look after them. Therefore, the state has to look after them. And because we've got so many more people that need looking after and the state, not the children, are looking after them, You're paying for it. The country is paying for it. And we're £2.7 trillion in debt and we're printing more and more money. And there is nowhere near enough money in the pension pots to pay for them all. And that is a broke nation. Now, why were we not told to have more children 20, 30 years ago? We need to have more kids. And it's this weird paradox because we need to have more kids. But who wants to have kids and raise them in this country? So for this, this is the sort of hidden behind-the-scenes reason that some smart people talk about, but a lot of people don't. And of course, that's all linked to the finances. So the financial problem is that they need more and more and more taxes to charge you to pay for more and more older people. And that's basically a Ponzi scheme if you think about it. The UK is a Ponzi scheme. We're bringing in all these immigrants who aren't as much producing for society. And we're having to take money off of all of us to pay for the aging population, but we're not topping up the young population. So the UK is a Ponzi scheme. And these are the problems. And they're serious. So there's one solution. There really is. Well, actually, there's 3 solutions. Option number 1 is you leave and you go somewhere that's having 200-odd grandchildren per 100 parents. Or you go somewhere where, you know, there is a thriving, growing economy. I don't know, maybe like Dubai, etc. That's option 1. Option 2 is you stay but do nothing. If you stay but do nothing, all that's going to happen is the taxes are going to go up and the borrowing from other nations is going to go up and the debt is going to go up and the expenses are going to go up, and in the end you'll have nothing left. Option 3 is you sort your personal finances out. So, you know, for example, I decided that the state wasn't going to be my pension 19 years ago because I didn't think it was equipped to look after me. I took personal responsibility and now I have my own private pension of 345+ property units and I'm buying more and more and more. So I decided that. I decided that the public sector wasn't going to sort my finances out, so I decided not to work in the public sector. I decided to be an entrepreneur and work in the private sector and make my own money and do my own investments and take control of my own finances and learn myself about money and teach and educate myself rather than going to college and university. And thankfully I made these decisions 19, 20 years ago. If I was having to deal with them now as a 46-year-old man, it would be a lot harder. So I recommend to you, you do the same. You do what I did 20 years ago. And you decide to be responsible for your own pension, your own retirement, your own income, your own earnings. And the way that you do that is simply get better with money. You get better with your personal finances, you focus on your economy even when the economy is messed up, which it is. Not everyone's going to lose in the UK. Observe the masses, do the opposite. There's going to be some big winners in the UK because there is always winners. When there are losers. And that's what you can do. And this is why I have Money School. Money School is my global financial education platform to help as many people on this planet get better financial knowledge. And instead of paying 15 grand a year and getting in debt to the tune of tens of thousands for a university or college, which will teach— you know, you can learn puppeteering. There's a degree on puppeteering at university. But in Money School, there's hundreds of hours of courses, resources, and masterclasses to make, manage, and multiply money. So you choose what's best for you and your finances. So if you want to join Money School completely risk-free, because you can cancel any time, there's no ongoing contract, it costs what, less than 50p a day to join, the link is simply money.school. There you go, I've just shared the link in the comments. Money.school. And there, with instant access right now, you'll find hundreds of hours of courses, resources, and masterclasses to make, manage, and multiply money, to get your tax bill down, to manage your personal expenses, to get your expenses down, to earn more, to keep more. There's masterclasses on how to invest and different levels of investment based on how much money you have. There's, um, what asset classes to invest in— gold, silver, property, etc. There's all masterclasses all inside money.school, and, um, it's 99.9% less than a college degree where you can learn puppeteering. That's an actual degree. So there's a lot of bad things going on in the UK. It's not all bad, but there's a lot of bad things, and the main issue is the aging population who haven't got the children to look after them. Therefore, the state has to look after them. There's more of the aging population than there are children that we're having, because it's the younger people that pay for the older people. And that's why the UK has become a Ponzi, because there's too many old people and not enough young people, and we're not having enough children. And that's a major problem, and that, that's what's costing everything. And then of course you have all the immigration of all the people coming in who aren't contributing to society that we're having to pay for. And then you've got the other way, all the millionaires and billionaires leaving, and the mass exodus. I mean, this is a royal fuckery on multiple levels. But the only thing you can do is make so much money that even with all the taxes, you've still got a lot or enough left. Or make so much money that you can hire good tax advisors to get your tax bill down. Or make so much money that you can leave when you want to leave. Or make so much money that you can have, um, global or multiple streams of income. This is the only solution now to, to you, me, the normal person. And it is possible to learn how to do this. It's just you're not taught it in school because it doesn't benefit the state. The state needs people to pull puppet strings and work for the public sector. And so it's never going to teach at the grassroots entrepreneurship. But that's what we need is entrepreneurs who build. Who create, who mobilise. And we need much more innovation and entrepreneurship in the UK. I mean, there used to be a lot of that. You know, we used to be so great at fintech. Do you know the UK are filing less patents than virtually any other country in the world? Places like China are filing 100 times more patents than us, which means we're not innovating. You know, we're not building anything. We're not doing anything. So this is the problem of the state of the UK and the state that it's in. But the only thing you can do is buck the trend. And to do that, you have to take personal responsibility. So what business are you going to launch? How do you start and scale a business? That's taught inside money.school. How are you going to innovate and disrupt? That's taught inside money.school. How are you going to get better managing of your money and better with your personal finances? That's not taught in normal school, but it's taught inside money.school. Less than 50p a day, you can cancel any time, no ongoing contract, no risk, no debt, no indoctrination other than positive ways to make money. And then of course, look, if you want to pay fair taxes, then you can pay fair taxes because you're earning really good money. If you want to help a lot of people in the country or you want to stay and fight or you want to support your parents, you know, when your parents age, the best way to support them is to be wealthy. You know the word wealth derives from the Latin weal. Weal means well-being, so wealth is literally well-being. Wealth is not just money, it's well-being. Can you know if a loved one gets diagnosed with cancer, can you afford to help them? This is why becoming wealthy is vital, and that's why I have money.school. And we're fast approaching 13,000 lifetime members inside money.school, so you're in the right place with the right people. Doesn't matter if you're broke, doesn't matter where you're from, doesn't matter how bad it is. It just matters that you join. It just matters that you decide, because the power of a decision— you decide and the world changes for you. So I appreciate you all. Thanks for following me. Thanks for tuning in. Hope you find all my content useful. If you agree with some of this or you think people should know about it, please do share it. Um, because look, I think a lot of us know that the UK is in debt. A lot of us know that the taxes are high and ridiculous. A lot of us know that there's no economic growth. But this major Ponzi around net migration and the baby boomers and not having enough children, people really don't understand that. Thanks for tuning in, and remember, if you don't risk anything, you risk everything. See you inside money.school. You just type in money.school. No risk because you can cancel anytime. You can literally now consume dozens or hundreds of hours of masterclass courses on making, managing, multiplying, maintaining more money, multiple streams of income. See you soon. Um, Gosha said, my business is taking off brilliantly now because of the knowledge on your money.school. Really appreciate you, Gosha. If you want the same results, I'll see you there.
