The REAL Reason You Can’t Afford Your Own Home
In this YouTube monologue, Rob Moore argues that the primary reason many people cannot afford a home is not macro‑economic forces but their own personal spending habits and lack of financial literacy. He quantifies how everyday discretionary expenses—such as daily coffees, lunches, scratch‑cards, alcohol, take‑aways, streaming services and gym memberships—accumulate to roughly £75,975 over five years, money that could instead be invested in property. Moore explains how inflation erodes cash and benefits asset owners, describing how debt works in a high‑inflation environment to effectively reduce mortgage balances while property values rise. He illustrates the wealth transfer from the “broke” (who hold cash and liabilities) to the “rich” (who own assets and brands), using examples like luxury brand ownership versus consumer purchases. Drawing on his own experience of owning 345 mortgaged properties, he claims he has leveraged “good debt” to build wealth. The video culminates in a promotional pitch for the MoneyMaker Summit Live (Oct 4‑6), offering a subsidised ticket to the first 20 respondents and outlining the summit’s curriculum on building recurring income, tax reduction, and property investment strategies. Throughout, Moore mixes criticism of governments and central banks with a call for personal responsibility and actionable steps toward financial freedom.
Chapters
The real reason you can't afford your own home. The real reason most people are priced out of the housing market. Now, I'm not going to apologize for this, but what I am going to say right now, most people are not going to like, because I think people love blaming the government and the banks for soaring house prices. And wages not keeping up with the affordability of homes. Do you remember back in the day, probably only 2 or 3 decades ago, where you only needed one income and a man could maybe just have a simple job, you know, a butcher, a baker, a candlestick maker, and he could afford to keep his whole family in a nice house? And now you need 2 mortgages and 2 jobs, and most people can't afford to get onto the housing ladder until probably in their 30s or even in their 40s. And these are economic factors which push up house prices and why wages don't keep up with house prices, but no one's taking responsibility for their own money management. And I want to point some things out to you. So you feel like house prices are high, yet if you buy 2 Starbucks a day, that is £12,775 that you've spent in 5 years. People want to blame external factors for soaring cost of living. Yet they're spending £12 a day out on lunches. Over 5 years, that's £21,900. Because you cannot change house prices, but you can change where you spend or invest your money. Do you know just £20 a week on scratchcards is £5,200 in 5 years? Do you know £35 a week on alcohol which isn't a lot of drink, by the way, is £9,100 in 5 years. Do you know that 2 takeaways, Netflix, and gym is £100 a week, £430 a month? That's over £26,000 in 5 years. So, you know I love to rant about the system. You know I don't think that the central banks and the governments— I don't think they have humanity's best interests at heart. I think they're a profit-making corporation focused on maximizing shareholder value. I believe that the governments and central banks work together in cohorts when they're supposed to be independent, and their goal is maximum shareholder value and maximum profit for whoever owns these corporations and whoever runs the government. And that isn't best for society and humanity, and I believe that to be true. However, house prices will be what house prices will be, and you can't control them. All you want to do is own them. Because let's put the shoe on the other foot. If you owned a load of houses, would you be really happy that house prices are really high? Of course you would. If you owned a load of houses with some good debt, would you be happy that inflation is high? Well, if you understand how debt works, you would be happy because inflation wipes down debt as well as pushes asset prices up. So really, you have to take responsibility to manage your own finances to make housing, whether it's investment or your own home, affordable to yourself. Now let me total all this up because it's quite shocking. Just 2 Starbucks a day is £12,775 in 5 years. Just 1 lunch a day is £21,900 in 5 years. Just £20 a week on scratchcards is £5,200 in 5 years. £35 a week on alcohol, nearly £10 grand in 5 years. Take away Netflix and gym, £26,000 in 5 years. That's £75,975 in 5 years on things you don't have to spend money on if you don't own a home. And instead of moaning about the systems and governments, I moan about it, but I do something about it, and I hope you do something about it. Start looking at how you can control your basic expenses, and then you'll be able to afford a house or multiple houses by owning houses as an investment, and then when they go up, you'll benefit instead of it hurting you. Because, you know, when house prices go up, the rich get richer. Why do the rich get richer? One simple word: assets. Assets go up when inflation goes up. The rich own assets, so when inflation goes up and assets go up, The rich get richer. The broke own liabilities, and liabilities go down in value. The broke have cash or savings, not much but some, and that goes down in value with inflation. So when you have high inflation like we've had since the lockdown, you have cash asset and liabilities go down a lot. That's why the poor get poorer. You have assets go up a lot. That's why the rich get richer. And then Money moves from those who value it least, which is the broke, otherwise they'd be rich, to those who value it the most, which is the rich. So you always have a flow of money from broke people to rich people. I'll give you an example of this. Do you know who Louis Vuitton Moët Hennessy are? LVMH. Do you know who owns LVMH? Bernard Arnault. He's the third richest man in the world. He's worth over $200 billion. Now, broke people buy brands. Rich people own brands. So people go broke buying brands trying to impress people they don't even know or like, and the owner of the brands get rich. And you know, in this recession and lockdown, or at least, you know, these high inflation and post-lockdown, these designer brands went up in value. And all that happened is broke people who can't afford to buy handbags make rich people even more rich buying their brands. It's funny, there was this meme going around, um, this, this massive outrage because a Dior handbag was $57 to make and was sold for $3,000. And everyone's like, that's a scam. No, that's smart business. And it's the dumb fuckers buying the bag for 3 grand that can't even afford it, moaning about house prices. So you could save £75,000 in 5 years, or £15,000 a year, by just not spending wasteful money. And then with $15,000 a year, you could buy one house a year. You could have 5 houses in 5 years, and in 10 or 15 years, that could be enough to retire on. So don't expect to make more money until you learn to manage what you've already got. And so the real reason affordability is low for people is because they don't know how to manage their own money, and they don't make money important enough to them, and they don't want to admit it. And this is why I've just launched the brand new Moneymaker Summit. So the Moneymaker Summit coming up 4th to 6th of October, so very soon, be quick if it's for you, is to teach you how to build recurring income, passive income, and multiple streams of income to get your tax bill down, your income and your income streams up, to start your side hustle or multiple income streams, to make, manage, and multiply more money. So give me a yes in the comments if you'd like to make more money. Give me a yes in the comments if you'd like to meet me and my millionaire mentors, friends, and partners— there's 6 of them— over not 1 but 3 days, learning the strategies and tactics, the tips and tricks of not just becoming a millionaire, not just becoming wealthy, and not just starting a business, but doing it in difficult times. Observing the masses and doing the opposite. Being greedy when others are fearful and fearful when others are greedy. When inflation is high, the rich get richer. When inflation is high, the broke get more broke. So if you're struggling financially, maybe it's because you don't know how to make, manage, and multiply money. So if you type yes in the comments, um, I'll tell you what I'll do. Um, and, and I've already offered this today, so, um, you're going to need to be quick, and maybe there's not all the places left, but I'm actually going to subsidize 20 of you, and I'm going to pay for your ticket for the Money Maker Summit Live. Susan says she's already booked on. I look forward to seeing you there, Susan. So if you type yes in the comments, if you'd like to, um, speak to one of my team, find out what's on the agenda, who's speaking, what the strategies are that we teach— Marcus just typed yes— um, and if you'd like to claim a subsidized ticket for me, I'm subsidizing 20 people. Um, by the way, um, you could upgrade and get a millionaire dinner with me and my 6 other multi-millionaire mentors and friends. Q&A champagne reception sessions, bonus money mindset sessions in addition to the 3-day special event, the 6 money-making strategies and tactics. So you could upgrade and pay a small upgrade fee, literally under £100, well under £100, or you can claim one of the free tickets. Just type yes in the comments, and if you're in the first 20— but remember, I already offered this this morning, so you need to be quick— then I can book you on. In fact, I'll tell you what I'll do. I'll give you a QJump link, um, so you can just go there straight away yourself. So the link is tiny.cc/mmslive. Tiny.cc/mmslive. Life. I'll be teaching you how to build recurring income from membership sites. One of my millionaire mentor partners will be teaching you how to turn content into cash flow. One of my multimillionaire friends will be teaching you how to replace your salary with social media. One of my multimillionaire friends will teach you how to turn your speech into 10 grand an hour, or the most I've been paid an hour is £32,000. So that's a strategy that we can teach you, how to make, manage, and multiply money. I'm doing 5 keynote speeches including the 8 steps and stages of becoming a millionaire, because I was £50 grand in debt aged 27 and I became a millionaire aged 31. I'm going to teach you the 8 stages, practical tips on how to become a millionaire from someone who's actually done it. I'm also going to teach you in another speech how to go from zero to six figures, my five-step framework. And then another speech, how to go from six to seven figures, my five-step framework. I'm also going to do a whole talk on getting your tax bill down, the physical tactical things I do to save millions in tax. So this is all at the Moneymaker Summit Live. All you have to do is go to tiny.cc/moneymakersummitlive. M-s-l-i-v-e, tiny.cc/mmslive. I'm subsidizing the first 20 of you, but you have to be committed. You can't just take a free ticket and not turn up. You've got to be committed. And you can speak to one of my team if you want more— one of my team— if you want details, agenda, logistics, location, dates, timings, or if you want a bit more about what you're going to learn. And you can pay a small upgrade fee and get dinner with my multimillionaire mentors, a champagne reception Q&A session with just the upgraded ticket holders, a bonus money mindset session in one of the mornings with just the upgraded ticket holders. So there's loads there. I've also got a billionaire speaking at one of the dates, and probably the most famous person in the country, well, one of at the moment, who's also a multimillionaire. Um, got paid £1.5 million to do one famous TV show, so maybe you can guess who that is. Um, so we've got some special guests as well. So all you have to do is go to tiny.cc/mmslive. I actually think that house prices going up and up and up, um, isn't such a bad thing, certainly if you're, um, an investor or you own assets. And if there wasn't a market to sustain high prices, there wouldn't be one. Just like the Oasis dynamic ticketing. In some ways I think it's kind of not fair, you know, the working-class person should be able to go, but that's how it works. Supply and demand. And there is an undersupply of houses, an oversupply of people. So you really got to blame the government for not building enough houses. Um, but the banks are behind the scenes pulling the strings, making sure that there isn't too much supply going into the market so the value of their loans doesn't go down. So in a way, the system's kind of— I wouldn't say corrupt, but the system kind of benefits itself. Um, but you can't change the system, but you can game the system and beat the system at its own game. So I have 345 properties, most of those are mortgaged, and so when inflation was over 10% a year The— essentially my mortgages were getting paid down 10% a year. So I was saving millions off the value of my mortgages every year just having good debt mortgages. And I learned this 18 years ago, and I can teach you all this kind of stuff at the Moneymaker Summit live. But if you're wasting £12,775 over 5 years on coffees, £21,900 every 5 years on lunches, £5,200 every 5 years on scratchcards, £9,100 every 5 years on alcohol, £26,000 every 5 years on takeaways, Netflix, TV, and gym, then that's £75,975 in 5 years that you could be investing in owning assets. You could buy one property a year with that and have 5 properties in 5 years, and within 10 or 15 years be very close to being completely financially free and living off the passive income and the capital growth. So you can take personal responsibility yourself, even if the governments and central banks aren't doing what's best for humanity. So hopefully you understand that what I said at the start, when I said maybe it's your fault you can't get on the housing ladder, hopefully you understand I come from a place that I care, that I want to help you succeed. And you will not make more money until you learn to manage better what you've already got. And also remember this: if you don't risk anything, you risk everything. So I'll see you at Moneymaker Summit Live. Just go to tiny.cc/mmslive. There you can check out the speeches, the speakers, the subjects. It's 3 days where I believe you'll get a transformative experience, better than any college degree, on how to make, manage, and multiply money and build multiple streams of recurring income. If you're not completely happy with the event, I'm happy to refund if you pay your upgraded ticket. If you're really not happy, I'll even cover your accommodation and travel. I'm that confident that you're going to love it. You'll meet me personally. You can get your book of— you know, if you've got one of my books, you can get it signed by me. And if you pay a small upgrade, you're going to meet at least 6 multi-millionaire mentors. Where else can you do that for, I don't know, less than £100, or even for free if you're in one of the first 20? Where I'm subsidizing 20 of you. So I think I've done my best for you. Now you just have to take action and go to tiny.cc/mmslive. See you on the other side when we're all millionaires.
