Is This A Golden Age of Fraud?

[@PBoyle]

Check out OpenFit using my link → shokz.co/PatrickBoyle. Shokz provides a 2-year warranty and a 45-day risk-free exchange & return policy.

[@jeffmunkynutz1568]

Great vid man. Really disected the mechanations of what i call economic auto immunity, where fraud is the only combative action taken to address fraud, in essence, retraction, it is however one cog in a redundant cycle, no literature on that, maybe have a dig there, avoid going down the confused rabbit hole of philosophy as it offers nothing but glorified poetry without the requisit rhyme. Thing about the cutting edge is not the blade, its the cuts 😂

[@hypothalapotamus5293]

Is the match ponzi scheme the origin of term matchstick men?

[@kungfujoe2136]

as the gab between rich and poor grows bigger and the social contract is broken the social cost of being counter societal is even becomming sexy big signe of the society in decline (crash)

[@xiaoka]

I’ve used shockz openfit for many years. I can wear them when walking (and even biking).

[@SilverShrimpTX]

not shocked at all by this, what do you expect when the federal min wage is $7.25 a hour

[@spiritualanarchist8162]

I work with people who have unsolvable debts in the Netherlands . More and more young people end up having huge debts before they reach 30, because they trusted scammers. People often forget the 'most start up businesses fail 'part . Because most people who failed obviously don't feel like sharing out of fear being called a 'loser' , all attention goes to those who succeeded. This creates a false narrative. A lot of young people that are successful often have rich parents (or other financial backup) to try and fail a few times before succeeding . There's this social media induced illusion that everyone and their mother can start a business and become financially independent without too much problems.. This is when the scammers come in with sweet promises and no guarantees .

[@luciaconn6788]

college loans

[@spiritualanarchist8162]

@@luciaconn6788 Not very high in the Netherlands fortunately

[@craigmcpherson1455]

The words you're looking for is "survivorship bias".

[@spiritualanarchist8162]

@@craigmcpherson1455 I should look into it more,.but it certainly does seem to have similarities . . I noticed how many young people are hyped up by social media to look at themselves as potential winners ( while completely ignoring the obvious fact that for every winner there need to be set losers.) And as every business is a gamble,the risk of losing is a potential outcome that's being disregarded .

[@emiliog.4432]

One scam that has been around for decades is car accident insurance and fraudulent theft claims when people burn their own cars. We all end up paying for fraud. During Covid, PPP loans and unemployment insurance benefits were scammed in the billions of dollars. So called honest people with a lot of money were committing fraud.

[@ladyeowyn42]

I work in retail fraud prevention. 2022 and 2023 have been off the charts across the industry.

[@chrisl4999]

Makes sense. Its harder to pay for things so people are getting desperate. Meanwhile fraud is often low effort, high gain, and minimal consequences.

[@garrettsaunders8654]

What are some of the interesting kinds of fraud that you come across in your job?

[@PointsofData]

​@chrisl4999 It's not just essentials my dude. The Bath and Bodyworks (skincare/beauty place) subreddit had a thread earlier this year complaining about how many shoplifters there are and how bold they've gotten since corporate won't allow the employees to do anything to stop them and the store won't call the police until they meet a certain threshold of merchandise stolen to make it "worth it" to prosecute them. Literally had teen girls filling up bags of products and just walking out the door while commenting how easy it is. It wasn't recently but I also stumbled across a subreddit years ago about theft and a thread discussing how to get security tags off of stolen merchandise...the person was someone younger who had stolen from _Hot Topic_ using the excuse of the clothing being a necessity and something something capitalism is evil. A lot of smaller stores (and even chains) are also closing down because of theft making it unprofitable to be in that location, leaving gaps in lower income areas. Walgreens is a particularly good example of this since they're sometimes the only pharmacy nearby for people with no car. So no it doesn't really "make sense" since people aren't stealing bread and milk, and even if they are they aren't doing it once and are causing some businesses to lose so much that they can't operate.

[@Ln-cq8zu]

In the meantime corporations are completely innocent! 😮

[@Bobbbybags]

I appreciate you putting Grant Cardone as the thumbnail. Too many people worship this clown and have no idea what a shady grifter he is. Blows my mind.

[@user-oj4iz9gb9m]

😂 THANKS to retards, worshippers - #scammers rise in pile of #shit 💩 #andrewwithtits #betaboys #soyaboys #plant #front persons are scammers while their controllers enjoy majority of #money #bloodmoney #theranos #enron #berniemadoff (Madoff had keywords MAD + Offspring).

[@bluedragontoybash2463]

his ebook sounds good. Fortunately my pirated version only cover the first 3 chapter Thank you for the information

[@GamingAndGuitar03]

For real your not lying I got on a call with his "sales" team and they are so predatory they will ask you to get money from family and friends even if you tell them you don't want to they don't like no for an answer

[@infini.tesimo]

@@GamingAndGuitar03 they will "ask" you? Not tell you as in demanding money? As in trying to see if there's a way to get the deal done since you went to them vs the other way around? Wow that's crazy.

[@GroundbreakGames]

I've thought the exact same thing for a while now. The guy has a total creep vibe like he's 2 hours sober after two weeks of doing blow on Epstein Island.

[@incremental_failure]

Being raised honest is a major problem nowadays. Scammers are making fortunes and there's so many that they drive up prices for everyone. This is how economic systems fail. When people eventually don't believe in the system any longer, it falls apart fast.

[@savagebeastking8703]

The key is to not pay attention to what others are doing and make your own life plan

[@Frommerman]

The real damning piece of it is...why should we believe in the system in the first place? It's been progressively extracting more and more wealth from the youngest and most vulnerable, burning the literal future through climate change, lying about its capacity to solve global human suffering, and enriching only the most venal and vile things pretending at humanity for our entire lives. What is there to have faith in?

[@incremental_failure]

@@savagebeastking8703 I'm trying to lose my morals but it's not easy. Should look at other people as targets, nothing else.

[@Mayhzon]

​​@@savagebeastking8703 That's not how the world works. If you're a fish in a fishtank and the fishtank gets stale, you're going to get it. One way or another.

[@sonice9020]

Yes bro inflation is caused by the scammers

[@01ai01]

Fraud is definitely one of the top growth sectors, currently. I think it's due to the ease of executing scams with all the communications technology we now have, combined with laws that have not evolved to keep up. And, at least in the US, the "getting all the money you can" is deeply embedded into the culture. So much that I think most scammers genuinely think they aren't doing anything wrong.

[@orbitprodutions]

When you don’t punish offenders. It’s technically legal. Laws are only as good as your ability to uphold them. And no court really cares

[@Praisethesunson]

A new sucker logs online for the first time every second.

[@washingtonrl]

Christopher Columbus discovered the Americas. Fraud has had golden ages as long as human have been alive. WE JUST PICK AND CHOSE who to be seen as a villain/guilty and who gets a pass.

[@MugenTJ]

Golden age of corruption.

[@Deloowix]

Saying fraud is a sector is like saying money is a sector- fraud is and will always be in every industry

[@Noone-l6g]

Fun fact, if the govt or law enforcement doesn’t care that you were scammed, just turn them in for tax evasion instead of the original crime, and watch them suddenly give a crap

[@andrewthomas695]

Or stop voting for shitty politicians who tell us things we should know are fanciful. Then you might just find life isn't so bad (e.g. Finland)

[@richardlyman2961]

I pay my taxes 👁️ over 100k in 2023

[@erikal9594]

@@andrewthomas695congrats we don’t live in Finland we live in America. We have a 2 party system with a legislative system that holds the power in the votes. When we vote for a politician the house of representatives calls us dumb and chooses who they want. Stop blaming ur neighbors when we are all in the same boat.

[@KaiserAfini]

The main issue about passive income is that, by definition, you are not doing anything. Which means that you are burdening society by taking resources without adding value (economic, social, artistic, scientific, etc). So any of the loopholes that enable it would be promptly banned by the law, because the increase of its adherents would be actively damaging to a nation.

[@Chris-oz9qx]

The business I run in Thailand gets at least 8 phishing emails and 2 scam calls every week. The only way fraud and scams will stop is by giving massive prison sentences. They'll never stop when the rewards way out balance the risks

[@Frommerman]

A change in culture where fraudsters genuinely fear for their lives should investors find out would also help, but unfortunately that's mutually exclusive with massive prison sentences.

[@hehmda]

Yea this way of thinking surly works with drugs lmao.

[@likemysnopp]

because so much of the scam is done by people now days right... not just a automated robot that sends messages and then even answer themself with other accounts and make it all sounds so real etc. But maybe you think its 8 phishing emails that are sent by individual people every day lol

[@jezmillz]

Research has shown that increased prison sentences don't translate to reduced crime rates.

[@afterhourscinema782]

It's amazing just how many billions of dollars we would save the public if we BANNED MLMs

[@Bapate-rh9be]

Write a law that bans MLMs and I will create an MLM that bypasses this law. In the meantime, small businesses are suffering from the additional administrative burden to prove they are not an MLM (because Lawmakers are paid by NOT small businesses). Meanwhile any good MLM can postpone any lawsuit long enough to get away with it even if it is discovered at all, all whilst keeping their members in the scheme by telling them about unjust persecution. You can ban driving to fast because it is obvious when so does, you cannot ban MLM because MLM are not obvious. Truly only teaching people about the basic economic principle, that: "the sucker is you and if you partake in a scam as anything but the og scammer the scammed is you" is the only way out of this.

[@fsmoura]

Utter BS. Recursive recruiting (uplines/downlines) + upfront purchases for "sellers" = MLM. Make a law based on that and all those pyramid schemes go down. MLM companies are thriving because MLMs are not illegal. Once people learn about it, everyone always knows 100% what companies are MLMs and which aren't, there is no ambiguity. There's no small companies struggling to prove they're not MLMs because: 1) MLMs are not illegal; and 2) No one thinks that Joe Blo's at the corner selling burgers is an MLM.

[@howardroark3736]

Banning things is usually more economically costly than just letting them happen. The existing securities regulations have been studied and shown to have cost the economy trillions of dollars in economic growth over the last century. This would just pile on top of that.

[@Exterminator19861]

its imposible cause US goverment would shut down emidietly .How much is national dept ? Those money are real i promise :D

[@stevens9625]

@@howardroark3736 Ah, the 'ol we need more guns to solve gun violence school of thought. As if FTX and its ilk are not neo billboards for strict regulations. Your libertarian approach to life only works if you are the only one taking the shortcut buddy.

[@nanucit]

My only complain with this video is Patrick didn't explain the correlation between passive investment and KZbin thumbnails of grifters with open mouths 😮

[@theamazingcowlet]

Damn it i know want him to explain this so baaaad!

[@nlabanok]

Is it ironic that the algorithm pushed a passive income scheme ad at me in the middle of this video? Anyway, if it appears to be too easy or too good to be true, it probably is. Good video, appropriate for the times.

[@msmacmac1000]

I’d say corruption is higher than plain old fraud.

[@hospitable_ghost]

As it has been and always will be, but that doesn't negate a 30% increase in fraud losses in a single year.

[@Frommerman]

It's both higher and more visible, which encourages the same from the general public. If so many public officials are openly running a grift offering lies of a batter future for everyone while raking it in on the side, why shouldn't everyone else be trying the same? The underlying lies of the system are on full display. Fraudsters are just playing into them.

[@jingbot1071]

@@hospitable_ghost I wouldn't say "always has been". In fact, historically speaking, the heights of fraud are usually superceded by brief periods of far less fraud... and indescribable horrors towards those proliferating the fraud.

[@mikemurphy5898]

"Economies grow faster and life is more pleasant the more people can trust each other." Wow. I don't say "wow" very often but that is an insightful statement. Dare I say, "powerful."

[@paraboo8994]

Oh, the amount of students have told me about some sort of scammy scheme when I asked them what kind of career they want to pursue after school...

[@danieldalton]

Suits are looking wicked these days my guy xx. Love you.

[@mxvega1097]

Griftopia... One of the most egregious changes in enforcement action in 2009-12 compared with S&L or the Dotcom fallout was that the DoJ was so gravely concerned about the sentiment effects of going after more banking and FIRE actors that they held back on prosecutions. So the bezzle was allowed to deflate - had there been 3000 bank examiners like Bill Black roaming the countryside it would have crashed confidence that the problem was "contained". Thus further ire and mistrust, because everyone with half a brain could see the absence of bankers doing perp-walks and knew that a loss transfer onto taxpayers and other borrowers still in the market was under way. The net lesson seemed to be that impunity was possible, especially if you're big.

[@raymondcaylor6292]

Hold that thought Patrick. I just got an email that a charge I didn't make on Amazon had processed. Luckily Amazon caught it and I need to call them and get my refund.

[@BobfromSydney]

The concept of the "bezzle" makes a lot of intuitive sense. The decades of easy money have over-inflated the asset economy and with interest rates up we are seeing prices coming back down to reflect their real EV.

[@Kevin_Street]

The Bezzle does make sense, since it gives a name to something we don't usually think of in definite, quantifiable terms. We know that money is lost in a con, but calling it the bezzle gives us a way of saying that this amount is transferred from the victims (and anyone else bailing them out) to the con artist, along with all the extra spending the victims made when they thought they were richer.

[@Kevin_Street]

Thanks for another very educational video! This one is a bit sobering, since you're looking at fraud as more of a systemic problem rather than just laughing at it. The part that really jumps out at me starts at 18:40, when you talk about how the "bezel" can be slowly eliminated by forcing other people (who often had no participation in the fraud) to pay for it. The example of the Chinese regulators is particularly disturbing. When they forced ordinary bank depositors to pay for the fraud incurred by the banks by setting deposit rates extremely low for a decade, they forced millions of people to pay for the mistakes made by a few, since the low rates meant their savings were being eroded by inflation. The people with the smallest savings effectively paid the highest price. Someone always pays when the scam is exposed and the bezel disappears. But in a just world the cost should be paid by the scammer. In a somewhat less just world the damage should be at least limited to the victims. In the least just world we all end up paying for other people's fraud.

[@benjaminmatheny6683]

And they are doing it again with the housing crisis. There is no personal Bankruptcy in China. Their housing system uses a "pay to build" system, where the individual pays a large lump sum to secure a loan from a bank, that the builder than draws from to build the home. However, the Banks have not been doing their due diligence, releasing the funds from the loan without any of the work being done on the home. The construction firms have been operating like ponzi schemes, using new buyers to build homes for old customers after having lost the money from the old customers in land speculation. Many buyers are finding themselves with massive loans, and no house. The Banks (and by extension the Government, as the banks are state run) are going to force the individuals to pay back the loans anyway. Making the most recent customers responsible for absorbing the Bezzle.

[@leoleo6692]

Reminds me of socialising costs, privatising profits etc. I knew all this was happening in the west, haven’t finished vid yet.

[@randomchannel-px6ho]

Ahem... Emergency Stabilization Act of 2008... *cough*

[@lathachandradeep4506]

That's India at the moment. The present government is a fraudster's delight. With 140 crore or 1.4 billion people, it's a dream come true for fraudsters preying on the ordinary, small saving junta.

[@forstuffjust7735]

Sadly these are many times still the best solutions, even if they are morally not sound. "Too big to let it fail" is real

[@friskjidjidoglu7415]

Could you explain why executives at firms get to have huge departure packages when a company is going under? One would think that the company would have to (or at least should be forced to by the government) to deny or void these contracts to fulfill existential obligations. What are the legal gaps or facilitations of this?

[@vereenigdeoostindischecomp9932]

Probably because of some backroom plays. They knew the company was going under and set money aside for his pension. Fucking everyone under him over. Definitely feels like it. And imo ot should really be illegal or regulated. As we all know a market with no regulations is a market like crypto. A lawless Wasteland of scams amd frauds.

[@platinumsun4632]

When I read 4 Hour work week I got the complete other impression. It seemed to me a biography that hyped him up, and also made it seem like you had to put a great amount of work into getting a “4 hour work week”. Like it was essentially just early retirement for people who were lucky enough to get certain opportunities in life, like becoming a businessman. And required serious commitment and non-pickiness. And alot of personal austerity and living in cheap countries.

[@platinumsun4632]

Though I think only read the first half of the book. It also had an asshole ethos. Don’t go out of your way to help coworkers, that sort of shit. Though it also had some good advice, your boss is not your friend, try and find some extra ways to make some mullah.

[@Praisethesunson]

​@@platinumsun4632These grifters never suggest unionizing your workplace so you can make more money where you already are. Which sucks cause that actually works.

[@kowalityjesus]

This is one of the finest KZbin channels I've ever come across, and we're taking 10s of thousands of channels. Bravo to you and your team Patrick!

[@HamsterQueen9]

There are huge anti-scammer campaigns in my country led by banks and police. Every week there is multiple (mostly) older people who are getting scammed through bitcoinmat where they “invest”, fraudulant calls from bankers or card fraud when they want to sell something online. 😢

[@yukithesnowman314]

Is it bad when I saw Grant Cardone as the thumbnail I was like "Oh shit, what he did THIS time?"

[@babaganouche9605]

I have had a lot of distrust in economic and financial institutions/ideas for a long time. This channel is the only one I know so far that informs me without an agenda. Also you are hilarious, thank you Patrick.

[@Kj16V]

Literally every ad break during this video was a passive income scam ad 😂😂😂

[@tariqabughofa9730]

there was a scammy investment ad on this video!

[@roger_melly5025]

The heart of the human condition is greed. People want the high life but are unwilling to work for it. The gullible are easily taken in because they too are greedy. If it looks to good to be true? It is too good to be true! Wise up people!

[@MelissaBerry-q1p]

I hope this era in finance & the economy goes down in history as “the Great Accountability”

[@TheObsidianLogic]

This is the golden age of Greed and East Money, which makes fraud and scamming so easy.

[@CommanderWar64]

I GOT A CRYPTO AD AS THE MIDROLL AD “money makes the world go round, crypto makes the world go forward” LOL

[@agabrielhegartygaby9203]

These days someone does something sleazy/abusive and it's made public and careers end. Apparently cancel culture does nothing when scammers are exposed. That is so puzzling. The public and scammers seem to share an amoral attitude when it comes to fraud.

[@adachannmentalhealthcrisis]

Nothing happens to KZbinrs, for instance Tech Lead. KZbin keeps promoting them and not Coffeezila

[@peterbradshaw8018]

Finally someone giving Ivar Krueger the recognition he so richly deserves as a megafraudster. Read over five books on him written in the 30ties and 40ies or there about.

[@catsupchutney]

I think of these scams as being exemplified by a collector of autographed baseballs. Once they are determined to be fraudulent, one then understands that their perceived value never existed.

[@msmacmac1000]

Thank you, Patrick. Your coverage is excellent. I love your humor, too. 🙏🏼

[@CONSCIOUSMINDED]

Pixel phones can weed out the scam callers. It uses the assistant to screen calls, I thankfully don't get many now ..

[@GeorgeGeorgecp]

Great content and presentation sir Patrick Boyle

[@Alex-pr6zv]

What a great piece. It's evident that KZbinrs offering time-limited discounts on courses in areas like probability-based investing using chart patterns might not be successful investors themselves. Claiming to have made perfect entries and exits on stocks, particularly after the fact, is common, but many people still seem to fall for the patter.

[@Tie509]

I don't know how anyone falls for that junk. It's obvious that anyone with a magic formula to make profitable trades nearly all the time would make more money trading than selling stupid courses.

[@kchuk1965]

@@Tie509exactly

[@zuglymonster]

Why do all of them have be have all their pictures with cigars?

[@CristinaVillegas-lo7jk]

They like to suck

[@Ammon6]

Your knowledge is amazing.

[@lawrencium_Lr103]

The most undervalued commodity - trust

[@nicholasn.2883]

So easy to scam the launder the money through something legit. Sell a bs course then suddenly they’re an expert real estate investor

[@stuartmorley6894]

I hate the idea of a side hussle. It's just a way of making it seem ok to earn so little in your main job that you have to monetize your hobbies. If your hobbies can't make money then they aren't worthwhile. The only people allowed to enjoy free time are those who already have resources. A cover for younger (and not so young) being disenfranchised from any idea of security.

[@nickborn2369]

great video. half way through the ad that interrupts you mid sentence is pitching a master class in how to play poker lol.

[@ChadDidNothingWrong]

0:50 Wow the mainstream arrogance towards finance innovations is jaw dropping

[@yalfalasi]

The title photo you have used is hilarious 😂 Grant Get Rich Cardone 😂

[@robertbennett1287]

Excellent analysis. 👏

[@TheGallantDrake]

When we value money above all, this is one result.

[@anon-soso-anon]

Shokz is a surprising sponsor. I'm actually using them right now. They are great for many reasons but I don't think they can be your only headphones. They don't play bass very well. It's not terrible but a small number of songs make them distort and vibrate like crazy. I also don't like them in the gym or outside because outside noise overwhelms what I'm listening to when wearing the headphones. I feel like those are the negatives but overall I'm so happy I have these headphones. They do charge extremely fast. The battery life is long. I can use them at home and in the office. I would also recommend the mini version. I think you need a huge head to need the regular size.

[@pinsfast4165]

A breath of fresh air. Thanks for being real

[@statictech7]

Sheep always get slaughtered. Everyone needs to be accountable to what they spend money on. Its greed and laziness that get people in trouble.

[@georgesontag2192]

I married a girl once back in 1981. It was just fine for about 4 years. She filed for divorce and got the house, land, alimony, savings and child support. It was a very good scam that I fell for.

[@mattanderson6672]

Thank you Patrick, brilliant as always!

[@carlinsylvester3723]

"The best way to earn a living through passive income if you're young is to choose your parents wisely." This guy cracks me up 🤣🤣🤣

[@sakurira]

This was a really good video. For the first time, I understood the potential indirect/direct cost of large-scale fraud especially when govt intervention/policy is involved.Thank you 🙏🏾

[@F_C...]

Man youve really been hitting home runs lately. I subbed to you and Joe blogs around the same time, and initially I got you two mixed up because you're both British macro guys with similar formats. That said your content has been top tier lately while his has stagnated and relied on clickbait "xyz has collapsed" every video. Keep doing what you're doing, you will go far.

[@byDsign]

I thought Joe Blogs was Aussie... 🤔

[@bchan6539]

this is so insightful

[@antyrrama]

Yeah. My work is really good, easy, money and little effort. That truth, if you see it from outside, right now. But if you knew big picture, you wouldnt see it that way. Hundreds and hundreds of hours invested into learning, hundreds and hundreds of hours gaining experience, nothing easy about that. Theres no good place that you can get to by quick and easy means. Now i have sizeable part of income that i can invest, and here i am, listening to mr. Boyle lectures, buying books that are listed in universities courses on finance, because i know there are hundreds of hours of learning ahead, if i want to become smart investor. Low effort= low outcome, theres no way around that.

[@phizzhead53]

My college crush became a crypto scammer😢😢😢

[@Tobacc0]

Scamath was the poster child for ripping off retail with his SPAC's

[@thechuckpeter]

It's a golden age of mediocrity. And I aim to cash in.

[@MrDrunkNFunky]

I love the Weekend at Bernie's pic 😂

[@milkismurder]

Best video I’ve seen in a while. Love the ‘hindsight is 20/20’ sentiment applied to the 80/20 rule

[@meehanasap]

I love the line, "he must have gotten tired of the passive income..."

[@marcusantoniusAfterDark]

Yes that was great 😂

[@collie8]

only British humor 😂

[@nothanks9503]

You can’t apply to a job without exposing yourself to scammers now

[@teeterthepop]

Wym by that?

[@nothanks9503]

@@teeterthepop Every job is online application only now, so either the application website or sites like Indeed will give out your email. They also somehow get all the emails on any device your email is and give that out to spammer and scammers. The best part is that the application websites never even work so you don’t even get the application in 299 out of 300 times.

[@TickTokc]

@teeterthepop there’s a lot of fake job postings on employment websites now. Even fake recruiters

[@joeltucci1916]

@@teeterthepop popular job sites are filled with scammers pushing fraudulent “pay upfront” scams, or sometimes even worse getting people to act as unwitting drug mules or using them to launder stolen merchandise etc.

[@randomtinypotatocried]

@@teeterthepopI get so many scam emails now from looking for a job. So many job sites either sell your data or if you have your resume on the site, scammers can get your info from that

[@RyonBeachner]

Man this video was refreshing. To hear someone reputable actually lay out the reality of how much money is needed to make real ‘full time’ income from investing, as well as recognizing how hard small business actually is. I have a small business, and have worked ungodly hours, while being constantly gaslit by social media and self titled “entrepreneurs” to think that maybe I’m the moron because it’s not been easy, but as time has gone on, I’ve found these types to be frauds and grifters that blow away in a few years.

[@moalboris239]

Yeah but to be fair a small business even if the hours are bad is one of the few ways to really hit above your education and social circle levels. I know guys that work sixteen hours a day but at the end those guys will retire with millions in the bank from their hardwork and will have hard assets they can rely on. While the joe average worker would have to work three times as many years to get half as far as they did.

[@kapoioBCS]

@@moalboris239that is not even true

[@RyonBeachner]

@@moalboris239 Well, using the numbers in your comment, if they’re working twice as many hours at the same theoretical level of productivity, they should be twice as far along in the same time period. Also, the amount of risk they are taking on, vs the risk of being an employee, merits greater reward. So… 3x the earnings for carrying substantial risk and working twice the hours doesn’t seem at all unreasonable…

[@screamskilos3951]

What kind of small business are you running? I want to start my own business and was wondering about your experience, if you dont mind ofc.

[@RyonBeachner]

@@screamskilos3951 I’ve been involved in two. First in motorsports, now in manufacturing. Happy to answer any questions you may have via DM.

[@EnriquePerezBarahona]

My aunt was an MLM queen and then a cryptocurrency seller. And there came a point where I absolutely believe she got swept away in the easy money, which she cleaned using real estate that she then rented. She made good money, but the trail of destruction she left with people who bought into her pitch was sad. One guy, an elderly Latino man who couldn’t even speak English, invested $64,000 with her, his life savings, and was totally wiped out. He died, and my aunt just walked away while the guy’s daughter struggled to raise funds for his funeral. So sad.

[@annjuurinen6553]

So very sad. Never put all your eggs in one basket. Greed kills. Your aunt is still alive and eventually you will see justice will send her to jail. Money can act like a python, squeezing the life and soul out of an individual.

[@MelGibsonFan]

Are you going to do something about her?

[@smjaiteh]

I’m guessing she’s not invited to Thanksgiving anymore.

[@Shay416]

That’s gut wrenching

[@puesbien]

@@MelGibsonFanno

[@badluck5647]

I had three spam calls from India before this video even finished.

[@tomcrozier9548]

4 total today and it only 6:45 pdt.

[@MatrixCoder01]

Scam capital of the world

[@tezeswargupta7060]

Yeah I was the one who called😂😂

[@choopa1670]

I keep getting scam messages to click a link. Fkin hate scammers. Scum they are

[@Whyoakdbi]

Do you by any chance live in the UK? The Indian scammers are relentless there.

[@mbg9650]

Please do a vid about "choosing our parents wisely", I need to improve my life choices.

[@buildmotosykletist1987]

My parents left me the ability to work hard. It's payed off.

[@liam3284]

"you have to sometimes do the stuff that doesn't work in order to find out what does". Worked many years in R&D, absolutely back this.

[@ribbonsofnight]

I don't know why we would think anything else when we've seen it over and over again in our own lives.

[@Shay416]

This is literally the definition of innovation. The one thing the US use to pride itself on.

[@glensmith491]

As a software developer, I have been involved with products I thought were great that went on to die. I've been involved in development of products that sucked that went on to be big winners in the market.

[@AvoidTheCadaver]

Having been in R&D I can definitely relate.

[@sabus1265]

I couldve told you this in 5th grade. Absolute no brainer statement

[@FirstLast-cg2nk]

Ea Nasir, a Mesopotamian merchant, is famed for having the first written customer complaints against him, with stone tablets proclaiming that he sold bad copper nearly 4000 years ago. As shown by 16:40 he is clearly still with us, having committed fraud against death itself to remain among the living.

[@dhayes907]

I read this in Patrick's voice

[@liam3284]

probably paid the ferryman with counterfeit currency 😂

[@blakksheep736]

If the Mexican model of the afterlife was true, he would be VERY confused right now. Cast off into the land of the forgotten for like 3800 years only to be brought back by Tumblr, of all things.

[@BethzeidaJohnson]

I thought he was running a doggy take away in Bletchley@@blakksheep736

[@ShinoSarna]

Patrick did make that exact joke in standalone video he did on this case so I guess great minds think alike.

[@awijntje14]

Best advice ever "if your young choose your parents wisely".....😂

[@TheSimArchitect]

Choosing your parents wisely is a very good advice.

[@rykehuss3435]

Harry and William did a great job

[@Ace1000ks19751982]

Running a small business is not easy, I took over my father's business in 2001, and I ran it for about 11 years. Running a small business requires a lot of time, at times you will be working 7 days a week 12 hours/day. You have to deal with all kinds of problems, like shoplifting, getting bad checks, taking losses for items that don't move, dealing with a economic downturn, paying fees to the city/state/federal government, etc.

[@Shay416]

Exactly, a 9-5 end’s usually when you leave the building. Owning a business is 24/7

[@Mr_Banker222]

So why own a business? Exactly when it works it’s $$ no matter how hard it is.

[@LeakyWaders]

I sold mine when someone offered money lol fuck running a business in this scam country

[@Ace1000ks19751982]

@@Shay416 It is 24/7. If you get a call from the alarm company, you have to go back to the business in the middle of the night.

[@Ace1000ks19751982]

@@Mr_Banker222 It isn't worth it these days. There is too much crime now. I plan to move to China and do business there in the near future.

[@ashishpatel350]

Meetkevin is the Walmart version of grant cardone

[@tonycrabtree3416]

Great Value Grant Cardone….lmfao!

[@jeanpaulgrech6540]

​@@HelloHello33333 17:16 does not scream slimy con artist. Not at all.

[@jeanpaulgrech6540]

​@@HelloHello33333​Fair enough, burning bank notes does not make someone a scammer. But flashing wealth to build an image of a successful entrepreneur is a cheap marketing gimmick. Especially if he pitches implausible grand dreams and charges thousands for a seminar. Edit: my initial reply was dismissive and arrogant, sorry about that. My point is that someone following the guru template of large promises isn't trustworthy. Let's consider this in terms of numbers.. if we google gc, the top result is related to his brand, which is 10x. It even markets 10x'ing your income. If we take a 10% compounding annualized growth rate (very good in my opinion), it would take 24-25 years to 10x an amount. You can check this by taking 1.1 and multiplying it by itself for 24 or run 1.1^24, it gives a number around 10. So what he's pitching is just unrealistic, my 2c.

[@TalkingMoneyWithNozi]

​@@HelloHello33333anyone with half a brain can tell that Cardone is a snakeoil salesman. He doesn't even speak coherently and seems to be a recovering dr*g addict

[@ollicron7397]

I love that your talk with coffee pulled me out of my feeling of dread. Because I was seeing people around my age of the later 20s and thinking about what it was that I was doing wrong. And it turns out that a lot of them are sociopathic fraudsters and not only that they flaunt wealth they dont actually have, or engage in illegal activities. Also most of those people who are making much cash are just skilless influencers whose job is just to edit videos and profit from attention/lying to people. Not that it's bad to make millions from KZbin, but ideally most of us don't want fame.

[@AusValue]

So many of them are pathetic and laughable. They go on a private jet a couple times and rent an expensive car. Those things are tax deductibles for their scam business anyway They also pay websites to post their net worth as some inflated bs number so that’s what comes up when people google their name

[@skipmcgrath]

what has always amazed me is how people who have good judgement on day to day things like comparative shopping for groceries, will have a complete lack of critical thinking when it comes to big financial decisions. It is like their critical brain shuts down when something is too good to be true.

[@uptown710]

Oddly enough, your example is exactly why people get caught up in these things. As consumers we _love_ to get a deal. There’s something in us that gives us a dopamine hit from paying less than what we’re supposed to. Exploiting that loophole. How many of us wishes we could tell a story like “yea, I bought into Bitcoin when it was fractions of a cent”. Problem is, too many people don’t realize that those situations are the exception and not the rule.

[@chimagamer4157]

I doubt there was much to begin with, if you are actually critical, because you think, reality would just feel like a never ending scam. But what always helps is to ask, how does this benefit me, or how will they make money, and questions going deeper into that. This line of thinking quickly unveils any shady shit going on, you will miss the boom, but you can't lose either.

[@crushycrawfishy1765]

It's because critical thinking skills aren't as helpful as you think. Humans are emotional first and logical second, you and me included. Scams work because they target people emotionally. It's how you get people with PH.Ds and multiple degrees sending thousands to some check scam. Or how you get people who scoff and laugh at those in MLMs throwing all of their money into game stop stocks and NFTs. They target the emotionally desperate. If you think it can't happen to you, it can. I almost got scammed when I was flat broke and jobless and two weeks away from being out on the street.

[@klevish3874]

Greed. A dreaming man will deceive even himself if the expected result is quick and easy wealth.

[@ErnaSolbergXXX]

They don't. They are just puppet trained this way to belive that's the way to make money.

[@benbregman7010]

“when the shoe shine boy give you a stock tip it is time to get out of the market “

[@PhilUKNet]

On the other hand, a tip from Nancy Pelosi is probably worth following up.

[@ShaneMclane-PrivateEye]

Or just tell the shoe shine boy to stfu and keep shining.

[@CristinaVillegas-lo7jk]

Self employment and franchises is like buying a job

[@liam3284]

I wonder about that, I have heard of someone falling into a financial trap owning a franchise in a successful sportswear company. I suspect the parent company sets the level of profit such that some do well and others go bust

[@ribbonsofnight]

@@WaryOfExtremesOriginal There's a lot of wage theft by people who went into buying the franchise with an adequate work ethic and morals and then the desperation to somehow make a profit just drives them to it. Some franchise owners are like slaves because they have bought a job no better than their employees have.

[@jonathanandrew2909]

@@ribbonsofnightyeah, they need to own 3-4 franchises before making good money.

[@tomlxyz]

​@@WaryOfExtremesOriginalSubway is pretty bad for franchisers. McDonald's is expensive to get into, if you already have access to that much money you can put it into whatever to make money

[@LordMogatron]

I finally read "The 4-Hour Workweek," and it opened my eyes to how many 'hustle, rise-and-grind, multiple streams of income' people I've worked with who had committed that book to memory.

[@beerkegaard]

Funny thing is Tim Ferris works way more than 4 hrs. The whole promise is bullshit

[@Asiaguydude]

Just another GET RICH QUICK scheme. This cheaters “philosophy” is as old as money itself. There is no free lunch.

[@RaderizDorret]

One of my personal favorite "passive income" schemes is doing Drop Shipping. When I looked into it, the first words out of my mouth were "this is just being a Digital Avon rep!"

[@sd-ch2cq]

Now that everyone has gotten wise to dropshipping the fraudsters are selling courses on dropshipping (and pretending that their dropshipping method will still work)

[@RenegadeContext]

It always amazes me that the people who sell this "anyone can be rich if they wamt to" lie are always people who either have wealthy parents and the financial help of those parents or they got really lucky in one way or another usually the former

[@eusebio_9]

It's not a lie. Just not the full truth. Most rich people do illegal and immoral stuff to get their money. Also, a majority don't really care about being rich, as long as they can afford the basic stuff they need without having to borrow or other stuff etc

[@joeltucci1916]

I think it’s important to also note the advances in toolsets that scammers now have at their disposal. The proliferation of internet technology around the globe, the ease of capital, not just cash and crypto but even gift cards, crossing borders and now chatbots that can customize scripts and mimic voices give scammers a much wider reach.

[@merchz2]

Just wait until they incorporate AI with voicing and all that. Will probably happen soon. That is when I think internet in its current form will die due to all the spam/scam

[@tconnolly1tc]

Even Meet Kevin was advising people to get pandemic relief money in a way that I felt at the time was dishonest. I'm glad I didn't take his advice.

[@Shay416]

Yeah he started in one direction and slowly started going the other way…

[@AusValue]

Meet Kevin has nowhere near as much money as he claims. If you saw his stock picks in 2020/2021 he would be broke by now, but no somehow he’s still rich and made a killing from these stocks, he’s not transparent at all

[@likemysnopp]

dude.. have u seen his courses prices? And the amount he made from youtube ads during the peak of financial youtube payouts..? it is very obvious to me that he made his money from that and maybe tesla and some other stocks but the stuff he spewed on his livestreams were just stupid@@AusValue

[@loki4687]

I recall reading Tim Ferriss's Four Hour Workweek and I recalled he claimed some tricks such as picking a catchy title, buying copies of your own book to become a bestseller, becoming an expert through a paid magazine article and selling supplements. The guy wrote about shortcuts on gaming our current system. Shame on us for falling for it. After I read that book, I didn't have much respect for Tim anymore.

[@brandonburns5365]

Don't blame the messenger. I'm sure there are people you currently respect that used these sleazy tactics to get where there at today.

[@a1r592]

I can highly recommend the 'If books Could Kill' podcast episode about his book.

[@timothyharshaw2347]

The advice isn't technically wrong nor fraudulent though.

[@KevinJDildonik]

Spoilers: Know how your favorite influencer is hocking a drink, supplement, makeup, etc? Arnold Schwarzenegger got his start selling vitamins. Know how your favorite celebrity has a book, and a Masterclass course, and...? You're trying to cry foul about something you buy constantly.

[@vicdansanch]

​@@timothyharshaw2347its morally wrong , claiming to be an expert but literally just scamming everyone

[@sunalwaysshinesonTVs]

Patrick's the bees-knees at explaining the economy and its related social trends.

[@Jinb-ut7bx]

I agree he is streets ahead!

[@kirkgoshert7876]

he is also a top-shelf tranquilizer

[@Bghjssjald233]

Do bees have knees? I've never seen a crouching bee

[@dragonseatcheese8727]

@@Bghjssjald233 Are you certain? How closely were you looking?

[@michaelchildish]

I'm total noob at economics but he's one of my favourites, along with How Money Works and Money & Macro. Also The Plain Bagel is great for learning basics

[@thanosprime6603]

It would be a great start if KZbin stopped letting them advertise so much

[@doresearchstopwhining]

Clawing back money from the PPP must be the highest ROI effort the US could ever pursue so of course they'll botch that.

[@en0n126]

Bills regularly show up to defund the IRS and SEC.

[@absolutelynonameslef]

They'll take it back from legitimate recipients and let the biggest offenders keep the money.

[@dtemp132]

The Republican House won't approve money to go after this.

[@doresearchstopwhining]

@@dtemp132 I don't have much faith in them doing anything but make up scandals and fight culture wars but I surely hope their economic responsibility instincts might kick in. Enough money in the IRS now, why not this?

[@nickhancock589]

One of the most common things to hear someone say when purchasing a scratch-off lottery ticket is: "Give me a winner!" I look at them and ask, "Why would I knowingly give you a winning ticket rather than keep it for myself?" They then ignore me and start a cycle of buying a ticket, scratching the ticket, buying another ticket, scratching the ticket, etc. This goes on, winning and losing until they have dipped into their funds long enough for them to realize how close they are to having to skip meals or walk to work. I once told a woman, who was handing me a solid inch-thick stack of scan sheets, that if she quit playing the lottery, she could probably retire from her job. Lottery (and scammers) is a tax not on the poor, but on the credulous.

[@LP-kn3yu]

Or really, the lottery is a tax on people who are hoping for a quick massive change to their financial circumstances. People need money now, not when their 65.

[@jakeforrest]

Lottery is an extra tax for people poor at math

[@nickhancock589]

I know someone who had a successful career in finance appraising real estate investments and advising large corporations on how to wisely invest hundreds of millions of dollars for a good return. This same person is constantly on the verge of financial collapse because they can't manage their own money worth a damn, and never saw a get-rich-quick scam they could pass up. To paraphrase a professor of mine, Being good at math and being wise enough to apply it to your life choices are two different things.

[@Makalon102]

Because you don't know it's a winning ticket?

[@billlhooo6485]

"Choose your parent wisely" lol. I wish I was born into a billionaire family.

[@jdmather5755]

I wish I had taken this financial advice.

[@Mr_Banker222]

I wish I never say those words and work hard enough to leave my kids something

[@indian9632]

Think once how billionaire's kids turned out to be. You never learn the value of money if it comes easy

[@saralotti7174]

@@indian9632you can’t learn to value something you don’t have.

[@pricklycats]

No you don't. There's no purpose to those people's lives

[@erinfournumbers]

Ah, so that stupid 4 Hour Workweek book is why employers don't trust that employees are actually working from home.

[@friskjidjidoglu7415]

The part of the sponsorship where you talk about connecting them to you car is dangerous. It’s highly dangerous to wear headphone or earbuds at all when driving. And it should be avoided point-blank to prevent people from thinking “well maybe….” And causing a wreck from their arrogance

[@chris7263]

I feel like in my adult life (graduated in 2008) it’s felt like work is almost a scam, like all the things you’re “supposed” to do to have stability and prosperity were just a bill of goods, and I always kind of half assumed that people savvier than me were up to some hustle that was over my head. I never personally fell for any of these investment or passive income scams because I assumed that they required the sort of extroverted, go-getter, hustler personality that you also need for normal sales jobs and I just didn’t have. It’s only in the last few years that I’ve realized how much of that stuff was scams, and how much I was falling for it in an emotional way even if I never lost any money in it. But as the non-scam opportunities for success wither, I suppose this is what you get.

[@velocirapture89]

You can succeed with an introverted personality, but it does take a little more effort. Some of these types of people have been fraudsters as well -- just look at Sam Bankman-Fried.

[@LPMutagen]

Once again introversion turns out to be a feature rather than a bug.

[@MichaelWerneburg]

I'm 52 and think that your time frame is about right. I think we're still living in the crisis, and that shouldn't really surprise us.

[@robertkeaney9905]

I don't know about short term success. But if you want long term financial security, then you can get some through the use of US government bonds. They're rock solid. Though the pay out isn't great. An 1,000 dollar 20 year treasury bond isn't a bad investment at all. Though those kinds of bonds are usually bought by parents for their kids. Typically in the form of 6,000 dollars worth of treasury bonds bought after the child is born. To act as the kids "college savings". Unfortunately, a 5% interest rate hasn't historically kept up with the rapid inflation in the cost of higher inflation. But the 5% does protect your money against normal inflation. So Bonds are still a good way to preserve the value of your money.

[@AnotherCyborgApe]

One big difference that comes to mind between your generation and mine is the costs of higher education. Whereas my generation was mostly able to access college and post-grad degrees regardless of income (modulo some systemic discrimination), yours is widely expected to get in debt for large amounts of money before they can even get one of those precious degrees. Some would be tempted to describe once prestigious educational institutions as vulgar profiteers, if not scammers, that couldn't resist the temptation to skim off of top of the future earnings of their students, and in so doing have compromised their past ideals of equal access to education. It's obnoxious, because it remains true that a better degree correlates strongly with a better career and income, and I have to wonder how many of the folks unable to afford a degree they once would have been able to to earn through their studies may in turn fall into the scamming ecosystem.

[@MoneyGist]

The fact that I've seen multiple KZbin ads about AI investing before getting halfway through the video tells you everything you need to know.

[@lilhaxxor]

Thank you for this fantastic report. Several of my own friends are people that I had to cut off because they now think scamming people is an acceptable business model. I tried to be kind and help them at my own expense, and paid the price (got dragged into crypto, lent some money, etc.). It's sad that society turned out this way, where destroying people you know is perceived as the best way to get ahead. 😢

[@manflynil9751]

It's amazing how many people flagrantly disregard right from wrong these days. We live in the age of greed as my mum once said.

[@merchz2]

I wonder if perhaps it has always been like this. I have memories from the 90s and it was very similar. Just using different mediums

[@S9uareHead]

@@merchz2 I think it's cyclical. During or right after an economic crash being openly greedy is frowned upon, but during prolonged bull markets it slowly becomes more and more acceptable until the next crash resets the situation.

[@meehanasap]

So appreciate this video. The Meet Kevin types in this cycle are a perfect example, expert in stock market, realestate, global politics, etc. Literally names his courses "Hustler" University etc.

[@PBoyle]

Thanks to our growing list of Patreon Sponsors and Channel Members for supporting the channel. www.patreon.com/PatrickBoyleOnFinance : Paul Rohrbaugh, Douglas Caldwell, Jacob Snedaker, Greg Blake, Michal Lacko, Dougald Middleton, David O'Connor, Douglas Caldwell, Carsten Baukrowitz, hyunjung Kim, Robert Wave, Jason Young, Ness Jung, Ben Brown, yourcheapdate, Dorothy Watson, Michael A Mayo, Chris Deister, Fredrick Saupe, Louis Julien, Winston Wolfe, Adrian, Aaron Rose, Greg Thatcher, Chris Nicholls, Stephen, Joshua Rosenthal, Corgi, Adi, Alex C, maRiano polidoRi, Joe Del Vicario, Marcio Andreazzi, Stefan Alexander, Stefan Penner, Scott Guthery, Peter Bočan, Luis Carmona, Keith Elkin, Claire Walsh, Marek Novák, Richard Stagg, Adi Blue, Gabor, Stephen Mortimer, Heinrich, Edgar De Sola, Sprite_tm, Wade Hobbs, Julie, Gregory Mahoney, Tom, Andre Michel, MrLuigi1138, sugarfrosted, Justin Sublette, Stephen Walker, Daniel Soderberg, John Tran, Noel Kurth, Alex Do, Simon Crosby, Gary Yrag, Mattia Midali, Dominique Buri, Sebastian, Charles, C.J. Christie, Daniel, David Schirrmacher, Ultramagic, Tim Jamison, Deborah R. Moore, Sam Freed,Mike Farmwald, DaFlesh, Michael Wilson, Peter Weiden, Adam Stickney, Chris Peterson, Agatha DeStories, Suzy Maclay, scott johnson, Brian K Lee, Manuel Barkhau, Jonathan Metter, freebird, Alexander E F, Forrest Mobley, Matthew Colter, lee beville, Fernanda Alario, William j Murphy, Atanas Atanasov, Maximiliano Rios, WhiskeyTuesday, Callum McLean, Christopher Lesner, Ivo Stoicov, William Ching, Georgios Kontogiannis, Arvid, Dru Hill, Todd Gross, D F CICU, michael briggs, JAG, Pjotr Bekkering, James Halliday, Jason Harner, Nesh Hassan, Brainless, Ziad Azam, Ed, Artiom Casapu, DebsMO, Eric Holloman, ML, RVM, Meee, Carlos Arellano, Paul McCourt, Simon Bone, Richard Hagen, joel köykkä, Alan Medina, Chris Rock, Vik, Dakota Jones, Fly Girl, james brummel, Michael Green, Jessie Chiu, M G, Olivier Goemans, Martin Dráb, Boris Badinoff, John Way, eliott, Bill Walsh, David Nguyen, Stephen Fotos, Brian McCullough, Sarah, Jonathan Horn, steel, Izidor Vetrih, Brian W Bush, James Hoctor, Eduardo, Jay T, Jan Lukas Kiermeyer, Claude Chevroulet, Davíð Örn Jóhannesson, storm, Janusz Wieczorek, D Vidot, Christopher Boersma, Stephan Prinz, Norman A. Letterman, Goran Milivojevic, georgejr, Q, Keanu Thierolf, Jeffrey, Matthew Berry, pawel irisik, Daniel Ralea, Chris Davey, Michael Jones, Alfred, Ekaterina Lukyanets, Scott Gardner, Viktor Nilsson, Martin Esser, Harun Akyürek, Paul Hilscher, Eric, Larry, Nam Nguyen, Lukas Braszus, hyeora,Swain Gant,Tinni, Kirk Naylor-Vane, Earnest Williams, Subliminal Transformation, Kurt Mueller, Max Maciel, KoolJBlack, MrDietsam, Saaientist, Shaun Alexander, Angelo Rauseo, Bo Grünberger, Henk S, Okke, Michael Chow, TheGabornator,,Andrew Backer, Olivia Ney, Zachary Tu, Andrew Price, Alexandre Mah, Jean-Philippe Lemoussu, Gautham Chandra, Heather Meeker, John Martin, Daniel Taylor, Reginald Gilbert, Nishil, Nigel Knight, gavin, Arjun K.S, Louis Görtz, Jordan Millar, Molly Carr,Joshua, Shaun Deanesh, Eric Bowden, Felix Goroncy, helter_seltzer, Zhngy, Ivan Katanić, lazypikachu23, Compuart, Tom Eccles, AT, Adgn, STEPHEN INGRAM, Jeremy King, Clement Schoepfer, M, A M, Benjamin, waziam, Deb-Deb, Dave Jones, Mike Pearce, Julien Leveille, Piotr Kłos, Chan Mun Kay, Kirandeep Kaur, Reagan Glazier, Jacob Warbrick, David Kavanagh, Kalimero, Omer Secer, Yura Vladimirovich, Alexander List, korede oguntuga, Thomas Foster, Zoe Nolan, Mihai, Bolutife Ogunsuyi, Hong Phuc Luong, Old Ulysses, Kerry McClain Paye Mann, Rolf-Are Åbotsvik, Erik Johansson, Nay Lin Tun, Genji, Tom Sinnott, Sean Wheeler, Tom, yuiop qwerty, Артем Мельников, Matthew Loos, Jaroslav Tupý, The Collier Report, Sola F, Rick Thor, Denis R, jugakalpa das, vicco55, vasan krish, DataLog, Johanes Sugiharto, Mark Pascarella, Gregory Gleason, Browning Mank, lulu minator, Mario Stemmann, Christopher Leigh, Michael Bascom, heathen99, Taivo Hiielaid, TheLunarBear, Scott Guthery, Irmantas Joksas, Leopoldo Silva, Henri Morse, Tiger, Angie at Work, francois meunier, Greg Thatcher, justine waje, Chris Deister, Peng Kuan Soh, Justin Subtle, John Spenceley, Gary Manotoc, Mauricio Villalobos B, Max Kaye, Serene Cynic, Yan Babitski, faraz arabi, Marcos Cuellar, Jay Hart, Petteri Korhonen, Safira Wibawa, Matthew Twomey, Adi Shafir, Dablo Escobud, Vivian Pang, Ian Sinclair, doug ritchie, Rod Whelan, Bob Wang, George O, Zephyral, Stefano Angioletti, Sam Searle, Travis Glanzer, Hazman Elias, Alex Sss, saylesma, Jennifer Settle, Anh Minh, Dan Sellers, David H Heinrich, Chris Chia, David Hay, Sandro, Leona, Yan Dubin, and Yoshinao Kumaga

[@primary4075]

no, it's not a golden age of fraud. But, it does become easier because of the digitalization.

[@mfblosangeles]

It is not a mystery as to why you are so well respected and your channel will soon hit a million subscribers. Your ability to articulate complex topics with such clarity and doing so while not leaving out an abundance of supporting material and high level third party analysis is so impressive. This is not Finance for Dummies. This effective communication personified. Whenever I finish one of your videos I am always reminded of the editors credo, "...if I would have had longer, it would have been shorter..." Your videos have zero fat. I think the best complement I can deliver is that, after your tutorials, I am able to convey to others a concise overview of your topics where as the recipient feels that they too understand the topic and they have zero doubt as to the credibility of what I conveyed. ADDITIONALLY, I am big of Michael Pettis references as he is operating at seriously elevated levels. And finally, you are surely one of Ireland's most polished gems. Thanks mate. And good on ya.. ☘️🏁