Here's a secret that your banker doesn't want you to know. The stupider that you are with your money, the richer that your banker gets. If you have a $100 in your bank account and you want to buy this $1,000 Gucci scarf, your bank would love to lend you the $900 at 25% APR because when you make the minimum monthly payments, your banker gets richer. But that's just the beginning. When it's time for you to buy a house, who do you ask, "How big of a house should I buy?" Many times it's your banker, and they're not your financial adviser. The bigger the mortgage you get, the bigger their commission check is. And I'm just getting started. When you take your extra $100 and you deposit it into your bank savings account, you

get a receipt saying that you have $100 in your account. But that's not exactly how it works. Your bank is going to immediately take the $100 that you deposited and they're going to give it away as fast as possible because they want to earn interest on your money. And the only way they can do that is because they're hoping that you and the other customers and clients don't go to the bank and pull your money out at the same time. More on that in just a minute. That's why today I'm making a video that your banker does not want you to watch because I want you to start making smarter decisions with your money. And there are five things that your banker does not want you to know about money.

And let's start with the most obvious. Number one, spending money stupidly is good for the bank, not good for you. Let me show you the simple math to get so rich that you, your kids, your grandkids will never have to worry about money ever again. Let's assume that you invest $6,000 today and you never invest another penny again. You take the $6,000 and you put it into an investment that's generating you 25% a year in interest and you let your money sit there for 45 years. Now, when it comes time for you to retire, you will have over $130 million, which will take care of you, your kids, your grandkids, and probably even beyond that. At this point, you might say, "Well, Dustprey, where in the

world am I going to get a 25% return on my money?" Well, Amx is doing it, Visa is doing it, Discover is doing it, Mastercard is doing it. This is the math that your banker and your credit card company has already done, which is why they love it when you spend money you don't have. Because the average American householder credit card debt has more than $6,000 in credit card debt right now. You're paying around 25% in APR. And when you do this for long enough, you were going to make your banker and your credit card company so rich that they're going to be able to fly around in private jets and have these big huge buildings. And that's exactly what's happening. This is why it's so important

for you to understand this so you can get your spending under control so you can stop making them rich and use your money to make yourself rich first. The second thing your banker doesn't want you to know is how the banking system actually works because it follows a system called fractional reserve lending. Let me show you what that means. You have an extra $100 and now you take this money and you deposit into your bank's checkins account or your savings account. I drew you right here. From my male followers, I drew a mustache which in my native language Punjabi we call it much. From my female followers, I drew a braid. In my native language Punjabi, we call it a gut. Now, you think that your money is sitting

there in a vault, but that's not exactly what happens because your bank doesn't want to keep this money on their books as a liability because they owe you this money. Instead, they want to take the money that you deposited and give it to somebody else through a loan. That way, your bank can start earning interest on your money. So, here's what happens. Your bank is going to take $90 out of the $100 you deposited, and they're going to lend it out to this guy right here. Now, this person has to pay the bank back with interest. But as soon as they get paid this $90, they're going to go and spend this money somewhere. If it's on a credit card, they might go spend it at Gucci. If it's on a car

loan, they might spend it at BMW. You get the idea. They're going to borrow this $90. And then this money is going to get spent and deposited into bank number two. Now, bank number two is going to get this deposit, this purchase of $90 because when that money gets spent, it goes into a bank account somewhere. And bank account number two doesn't want to sit on the $90 either because they want to start generating interest on this money. Now, remember this $90 started with the $100 you deposited in bank number one. And now, bank number two is going to do the exact same thing. They're going to find this person right here, this female. I'm just going to draw here as a female because this person was a male. And then they're

going to lend out 90% of this. They're going to go and lend out, let's call it, $81 to this person right here who now gets very happy. Now, bank number two gives this person $81 who's going to deposit it into a different bank. And now you can start to see all the things that happen. This is called fractional reserve lending. And it happens on the premise that everybody is not going to go to the bank to withdraw their money. Because if everybody were to go to the bank and withdraw their money, now you'd have a problem because bank number one is not sitting on all $100. They're sitting on a fraction of each person's deposits. And they're only able to do this because they hope and pray that

everybody's not going to go and withdraw their money at one time because if they did, it would cause this entire system to come crumbling down. This is why FDIC insurance had to be created because when you would have those types of bank runs, the entire banking system would be on the verge of collapse and everybody's money could disappear. And so now FDIC insurance is there to protect your deposits up to today $250,000. But that's why if you stick with me, I'm going to show you how you can actually win through this system as well. The third thing your banker doesn't want you to know is that they are not your financial adviser. When people go to make a big purchase like a house or a car, who do they go to for advice?

Generally, it's their banker. And your banker is not there as your fiduciary, meaning their interest is not to protect your money. Their interest is to make the biggest commission for the bank. and your banker is on commission. Meaning the bigger the loan they sell you on your car or your house, the bigger the check that they get. There's a saying in the business world which goes never ask your insurance salesperson how much insurance you should get because the answer will always be more. Well, that also applies in the game of banking. Because if you ask your banker, how big of a loan should I get? Their answer is always going to be more. Now, I'm not saying all bankers are bad. Some bankers

are very good in the sense that they will care about your finances. But you got to understand the game. They're in the business of selling you money. They're in the business of lending you money. And the more money that they can lend you, well, the more money that they're ultimately going to make. And the banker can generally have some very lax rules to give you more money for your house and your car because once you sign the paperwork, it's your problem. It's no longer their problem. So, they don't really care if you struggle to save your money or invest your money after you buy that Escalade, after you

buy the BMW, after you buy the really nice house. All they care is that you sign the paperwork because now your banker got paid and then they're generally going to take that loan and sell it off to somebody else. That way, that loan becomes somebody else's problem. The fourth thing that your banker doesn't want you to know is that the bank doesn't always follow their own advice. The financial advice that many banks tell people is to save your money in the bank because your savings are a great way to build wealth. Well, if your banks followed their own advice, they would be bankrupt. Let me show you what I mean. Let's go back to the $100 example. Let's assume that you have an extra $100. And let's assume that the

year is 2020. Let's go back in time a few years and you deposited this $100 in the bank. Well, the average interest rate on a savings account in America today at the time of recording this video is 0.41%. Now, I'm going to round it up just to be generous. Let's assume that you can get a 1% return on your money, a 1% interest on your savings account in America, which is more than what the average savings account is paying. It's more than twice what the average savings account is paying. Which means over the last five years, you would have grew your $100 to $1005 plus 10. So $10510 is what your $100 would have grown to over the last 5 years by saving your

money in a traditional savings account. While the prices of things have grown a whole lot faster than that, the reported inflation rate in America was around 23% over the last 5 years. Which means if groceries cost you $100 5 years ago, today the same basket of groceries as expected according to the numbers to cost you $123 today. Now, I get it. Many people feel that it's a lot higher than that, but I'm just going to stick with the reported numbers, which means if you just kept your money in savings, you've effectively become poorer. Yes, you have more dollars, but relative to the cost of living, relative to the prices of things, you are effectively poorer just because you saved your money because you

cannot outsave inflation. You have to invest your money, which for many people means taking your savings out of your bank account and putting it into an investment account. I'm not saying you shouldn't have any savings. You need to save your money strategically. You want to save your money for an emergency. Save your money to buy a big purchase. Save your money to buy an investment. But your extra money needs to be invested. That way, you can actually build wealth in the system and not see your money lose value to inflation. Now, this brings me to number five, which is probably the most important part of this video. But I also want to remind you that for those of you that want to

become investors or that are investors, my team at Briefs Finance publishes a free daily newsletter called Market Briefs, where we break down what's happening in things like the economy, the housing market, the stock market, the crypto market, and the global economy into a fun and witty and easy to read newsletter. We have hundreds of thousands of investors that read Market Briefs every single morning. Plus, when you join Market Briefs, you'll also get our investing master class to watch as a free bonus. You'll get it when you sign up for Market Briefs. So, if you want to get Market Briefs for free and watch our investing master class as a bonus, I have that link for you down in the description below. And number five is

you can own the bank. The average savings account in America at the time of recording this video is paying a little bit over 0.4%, but I'm going to round it up this time to 0.5% just to be generous. But here's the interesting thing. If you take your extra money that you can go out and invest, you can invest in the bank and be an owner in that same bank. Now, as the owner, you are entitled to your share of profits. And some of these banks are making huge profits, which we all know. And when you become one of the owners of the banks, you are entitled to your share of profits. Now, how do you get that profit? One way that you can get the profit is through a dividend, which is literally a cash payment that

the bank will give you for doing nothing except owning that bank. The other is through potential appreciation. This is through seeing the stock price rise. So, if your bank makes more profit in the future, they could see the value of their stock go up. Now, I got to give you the disclaimer. Investing has risks. You are never guaranteed to make money when you invest. In fact, you will lose money at some point. So, make sure you always do your own due diligence and never blindly trust a random guy on YouTube. I'm not telling you what to invest in. I'm just giving you examples to help you start thinking like an investor. When you save your money, you know your money is not really going to

grow. And you know the inflation is probably going to outpace your savings. Now, yes, you can move some of this money to a high yield savings account, but still the principle, the balance of the money that you invest is not changing. You're just generating some interest on top of that. But here's how things can change. If you start thinking like an investor and you start thinking like an owner, if you were to go out and invest in the bank itself, for example, JP Morgan Chase Bank, at the time of me recording this video, JP Morgan Chase Bank is paying out a dividend of around 2.4%.

Bank of America at the time of recording this video is paying out a dividend of around 2.8% 8% and TD Bank is paying out around 4.9% a year in dividends. What is a dividend? Again, a dividend is extra cash that this bank is giving to you. It's paid out quarterly, meaning every 3 months for doing nothing except owning the bank. So, when you deposit your money in the bank, your bank is giving you half a percent of interest, actually less than that the average bank account is. But when you work to own the bank, you become an investor. you become an owner.

Well, now JP Morgan Chase Bank is paying you more. Bank of America is paying you more. TD is paying you more because now you're working for the profit, not the interest. Now, yes, this comes with more risk. There's a chance that JP Morgan could go bankrupt. There's a chance that Bank of America could go bankrupt. There's a chance that TD could go bankrupt and the value of investment goes down. But you see what I'm saying here is now you started to think like an investor where now you're looking for the upside because if the flip side happens where JP Morgan Chase Bank makes more money in the future, Bank of America makes more money in the future, TD works to make more money in the

future, but now the flip happens. Now instead of losing all their money in a bankruptcy, not only do you see the value of your investment go up, but you also start to receive bigger dividends because if they're making bigger profits, they can pay out more dividends as well. This is why it's so important for you to understand this. It's not to hate banks and to say banks are evil, which is what some people do. I want you to understand the system because the system is designed to keep a lot of people stupid. And the system is also there to profit off of people making stupid decisions. I want you to understand the game. I want you to understand this economic system. That way, you can use it to your advantage.

And that starts with you number one, not spending all of your money. Number two, stop relying on the bank to finance all of your stupid purchases. Now, once you start doing that, you have some extra money. Now, you start saving some money because you have some extra money. It's better to save than to spend all that money or to go finance things that you can't afford. Now that you start saving, you are now at the next level. That's when now you want to start being even smarter with your money because your savings are not going to outpace inflation. Yes, you can get a better return if you put your money into a high yield savings account, but still a high yield savings account might pay you 3,

four, 4 1/2%, but you're not seeing any growth in the principal value of your investment. This is where now once you build your savings cushion, you can also start looking at investing. It's not bad to save your money, but I want you to understand the alternative, which is investing your money. Because investing is how wealthy people become rich. Wealthy people don't become rich by saving all their money. They become rich by owning assets. What are these assets? Companies, stocks, real estate. When you invest in a stock, when you invest in a company, you become one of the owners. And now you're working for profit.

You're working to see the value of the stock go up. Is it guaranteed to make you money? No. Absolutely not. But this is how wealthy people have become wealthy. And this is how they build wealth. Now you can start flipping the script. Maybe instead of paying the credit card company interest, you can start generating money through your credit card points. Take the money and buy the credit card stock. Again, I can't tell you what to invest in, but I want you to start thinking like an investor instead of a consumer because that credit card debt is making the credit card company rich. When you own the credit card company, you get rich when the credit card company makes money. And this is where I want you to

understand how this economic system works because our economic system is designed to benefit investors. Period. We're not taught how to do this. School doesn't teach you to become an investor. We're taught to get a good job and then work and then hopefully be able to retire one day. But how do you actually do that? How do you actually build that wealth? The way you build wealth is by becoming an owner of becoming an investor. And that requires you to number one not spend all your money and then take some of your extra money and use this money to invest. Again, I'm not telling you to invest in banks. There are ETFs to give you exposure to banks.

There are a lot of ways to do it. But you don't have to invest in this particular company, this particular fund. You got to understand that investing is how you build wealth and then find the right investment for you. The banking system is not designed to teach you how to be better with money. Because if your banker was teaching you how to be better with money, their commissions would also be going down. They wouldn't be selling as big of mortgages, as many car loans, and as big of car loans or as much credit card debt. Because now you would be smarter and not financing those things and not going into that deep of debt to buy the

things that are not putting money in your pocket. So, it's not in their best interest to teach you. It's in your best interest to learn the game, build your financial education, and become an investor. That way, you can use the economic system to your advantage. Again, if you want some more resources, you can check out Market Briefs, which is our free financial newsletter, which will break down what's happening in the financial markets. Plus, you'll also get our investing master class free as a bonus. That link is for you down in the description. Our economy is going through some of the biggest changes we have seen in our lifetime all in 2026.

This economic craziness has caused the stock market to go wild in 2026 and it's made people scared to invest their money. But do you want to know something else? This economic craziness actually creates some of the best investment opportunities.