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Speaker 1: We hear about inequality and wealth concentration quite a bit,

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Speaker 1: but one thing that rarely happens is looking at the

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Speaker 1: actual numbers. How is this wealth held, Why is the

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Speaker 1: inequality there in the first place, and most importantly, can

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Speaker 1: anything be done about it? By looking at this chart

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Speaker 1: from the Federal Reserve, we can see the difference in

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Speaker 1: the wealth held by the bottom half of Americans versus

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Speaker 1: the top point one percent. A blue line at the

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Speaker 1: bottom represents the bottom fifty percent, so collectively hold just

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Speaker 1: under four trillion dollars of wealth versus just the top

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Speaker 1: point one percent of wealthholders collectively own about twenty trillion

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Speaker 1: dollars worth of wealth. Now, obviously this is a massive difference,

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Speaker 1: but we have to dig a little bit deeper than

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Speaker 1: just seeing inequality here to see what is actually going on.

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Speaker 1: Drilling down a little bit deeper, we can see the

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Speaker 1: stock market plays a huge role in this. There's this

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Speaker 1: idea out there that the stock market is simply a

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Speaker 1: wealth transfer mechanism. It's there only to transfer wealth from

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Speaker 1: the working class to the top one or the top

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Speaker 1: ten percent. And at first glance, when we take a

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Speaker 1: look at this chart, which shows who actually owns all

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Speaker 1: of the stocks. We see that the top ten percent

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Speaker 1: hold about ninety two percent of corporate equities and mutual

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Speaker 1: fund shares. So at first glance that assessment would seem true.

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Speaker 1: But when you pull back the layers a little bit,

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Speaker 1: you have to ask yourself a question, Well, why do

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Speaker 1: the top one percent and the top ten percent have

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Speaker 1: so much ownership in the stock market. Maybe it's not

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Speaker 1: stocks themselves that are a bad investment and just there

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Speaker 1: to transfer wealth. Maybe there's something else going on behind

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Speaker 1: the scenes. And there are actually two other things going

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Speaker 1: on behind the scenes here that make the stock market

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Speaker 1: a wealth transfer mechanism from the poor in the middle

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Speaker 1: class to the rich, and that is number one suckers

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Speaker 1: and number two central bankers. Looking at this chart, I

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Speaker 1: want you to notice this dip down in concentration of

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Speaker 1: ownership of the stock market that happened during the Great

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Speaker 1: Financial Crisis, and then the rebound that happened afterwards. You'll

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Speaker 1: notice that it peaked out in two thousand and seven,

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Speaker 1: where the top ten percent owned about eighty five percent

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Speaker 1: of the entire stock market. That time period was somewhere

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Speaker 1: around right here on the S and P. Five hundred.

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Speaker 1: You'll notice there was some volatility after that, but the

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Speaker 1: stock market actually peaked a little bit higher a little

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Speaker 1: bit later. But by Q three and Q four of

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Speaker 1: two thousand and seven, the ownership concentration in the stock

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Speaker 1: market among the top ten percent had already started to dip.

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Speaker 1: So while this sell off and rebound and making new

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Speaker 1: highs was happening, the top ten percent were actually selling.

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Speaker 1: You're going to start to see here what I mean

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Speaker 1: by suckers. During this time period, the wealthiest had already

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Speaker 1: started to get out of stocks. You can see up

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Speaker 1: until quarter one of two thousand and nine, the constant

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Speaker 1: among the top most wealthy continued to decline and then

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Speaker 1: bottomed out in quarter one of two thousand and nine.

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Speaker 1: This right here was quarter one of two thousand and nine,

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Speaker 1: So by the bottom of the stock market, the wealthiest

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Speaker 1: had already gotten out. So during this entire time, the

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Speaker 1: wealthiest were getting out again. Because the chart that we're

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Speaker 1: looking at is of the top ten percent, what is

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Speaker 1: their total percentage ownership of all of the stocks. And

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Speaker 1: while the stock market was crashing, that concentration was declining,

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Speaker 1: meaning that overall, on a net basis, the rich were

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Speaker 1: getting out and the small investors were getting in. Yeah,

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Speaker 1: it did not take very long at all for that

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Speaker 1: trend to completely reverse, because by quarter three of twenty ten,

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Speaker 1: the top ten percent had already accumulated back up to

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Speaker 1: the same eighty five percent ownership of the entire stock

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Speaker 1: market that they had before, and then even at a

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Speaker 1: short term peak by one year later in quarter one

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Speaker 1: of twenty eleven at eighty six percent. You can see

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Speaker 1: quarter one of twenty eleven was right around here where

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Speaker 1: the stock market had not yet come up to its

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Speaker 1: old all time highs, and quarter three of twenty ten,

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Speaker 1: when the rich got back up to eighty five percent

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Speaker 1: of the entire stock market, was right around here again

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Speaker 1: much lower, much much lower than the old all time highs.

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Speaker 1: This means that big money the richest were selling when

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Speaker 1: the poorest were buying while the stock market crashed, and

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Speaker 1: once the crash was about done, the rich started buying

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Speaker 1: again right as the poor were selling. This left the

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Speaker 1: top ten percent back in ownership of the exact same

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Speaker 1: amount of the stock market that they owned before, yet

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Speaker 1: it was at much lower prices than what they owned

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Speaker 1: it at before. This is the wealth transfer mechanism at work.

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Speaker 1: Small money retail investors buying at the top and then

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Speaker 1: getting flushed out at the bottom. For every buyer, there's

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Speaker 1: a seller, and for every seller, there's a buyer. In general,

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Speaker 1: small investors retail investors tend to buy at the tops

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Speaker 1: when the big money is selling, and they tend to

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Speaker 1: sell at the bottoms when the big money is buying.

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Speaker 1: This is how big money got back up to its

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Speaker 1: eighty five percent ownership of the entire stock market by

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Speaker 1: this time, when the stock market was much lower price

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Speaker 1: than it was before. Around here, and obviously after that,

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Speaker 1: their total stake in the entire stock market continued to

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Speaker 1: grow and grow and then skyrocketed after the money printing started,

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Speaker 1: and is now sitting at a record ninety two percent.

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Speaker 1: So what you'll notice is the exact same thing is

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Speaker 1: beginning to happen right now that happened during the Great

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Speaker 1: Financial Crisis. Big money, the richest, the top one to

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Speaker 1: ten percent, is starting to get out of the stock

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Speaker 1: market right as retail is starting to get in. First,

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Speaker 1: take a look at insiders selling their shares. When this

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Speaker 1: chart has a reading of under twelve to one, it

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Speaker 1: is bullish. Under twelve to one means insiders are generally

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Speaker 1: buying they're not generally selling. That is bullish for the

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Speaker 1: stock market. The people who know the absolute most about

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Speaker 1: their companies and are the richest are not net sellers.

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Speaker 1: A ratio of over twenty to one is bearish, meaning

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Speaker 1: insiders are selling. The people who have the most money,

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Speaker 1: who have the most connections, and who know the most

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Speaker 1: about their companies are selling. Well, if twenty to one

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Speaker 1: is bearish, what do you think the current level of

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Speaker 1: one forty five to one is? Is very difficult to

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Speaker 1: overstate the bearish sentiment that people should be feeling right now,

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Speaker 1: understanding how significantly insiders are selling again, the top one

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Speaker 1: to ten percent, the richest, the people who know the

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Speaker 1: most about their companies are selling at crazy rates. For

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Speaker 1: every seller, there's a buyer. And who is the sucker?

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Speaker 1: I mean the buyer this time? Well, as we can see,

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Speaker 1: Bank of America recently just did a poll and show

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Speaker 1: that US optimism about the stock market is at its

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Speaker 1: highest level since twenty twenty one, and that investors are

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Speaker 1: most overweight in US stocks since December of twenty twenty one.

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Speaker 1: Did Americans just suddenly forget what happened in December of

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Speaker 1: twenty twenty one? December of twenty twenty one was literally

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Speaker 1: the top of the market before it entered a year

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Speaker 1: long bear market. Big money has spent the last couple

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Speaker 1: of months shooting stocks up higher. It has led to

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Speaker 1: fear of missing out, and retail and small investors are

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Speaker 1: piling in at a record pace. They're the ones that

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Speaker 1: are gonna be holding the bag when this thing starts

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Speaker 1: to fall. Now, if you know anything about traditional investing advice,

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Speaker 1: you're probably sitting there screaming, Well, this is why people

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Speaker 1: say to never sell. This is the common sense investing.

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Speaker 1: Because if all you do is buy dollar cost average

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Speaker 1: and hold forever, then you're not gonna be the one

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Speaker 1: buying at the tops and selling at the bottoms. You're

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Speaker 1: gonna be able to participate along with the rich and

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Speaker 1: just ride that thing up higher. And there is certainly

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Speaker 1: some wisdom in that, but that strategy is incomplete. Number one,

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Speaker 1: because the times when the stock market falls the most

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Speaker 1: are likely the times when you'll need the money the most.

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Speaker 1: You may not have a choice. People don't sell when

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Speaker 1: and what they want to. They sell when and what

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Speaker 1: they can, and many times. The reasons why the stock

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Speaker 1: market crashes so severely is because people are forced to sell.

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Speaker 1: They have to. Number two, you can't actually buy and

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Speaker 1: hold forever because at some point you're actually going to

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Speaker 1: need to use the money. That's the whole point of

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Speaker 1: investing in the first place, is to maximize your wealth

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Speaker 1: over the long term so that you can use it.

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Speaker 1: Otherwise it's a worthless number on a piece of paper,

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Speaker 1: and if it crashes and you don't have a way

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Speaker 1: to protect yourself when it crashes, you're out of luck,

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Speaker 1: just like everybody else who sold to the top one percent. Now,

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Speaker 1: in case you're sitting there crying about corporate greed and

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Speaker 1: the elites and thinking we need somebody to come in

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Speaker 1: and strike down the top and increase socialism and increase

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Speaker 1: equality and tax the rich, understand that the problem runs

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Speaker 1: much deeper than that. What I've just shown you with

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Speaker 1: the stock market and wealth concentration is a symptom, not

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Speaker 1: a problem. And it all started back in nineteen seventy

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Speaker 1: one when the United States left the gold standard and

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Speaker 1: the US government was free to print as much money

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Speaker 1: as they desire. Prior to nineteen seventy one, both compensation

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Speaker 1: on average and productivity grew the same pace. So once

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Speaker 1: the money printer was unleashed, productivity continued to climb while

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Speaker 1: compensation for the average worker flatlined. Similarly, we can see

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Speaker 1: that real GDP per capita per person threw at the

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Speaker 1: same rate as the real median weekly earnings of full

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Speaker 1: time earners up until again nineteen seventy, when they detached

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Speaker 1: and the real median weekly earnings of full time workers

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Speaker 1: flat lined while the real GDP per capita continued to

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Speaker 1: climb at the same pace. Similarly, we can see that

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Speaker 1: real family income grew at the same pace for different

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Speaker 1: wealth core tiles until again nineteen seventy, when the top

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Speaker 1: percentage of wealthholders continued to increase their wealth and the

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Speaker 1: bottom percentages of wealthholders flatlined. This is shown even more

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Speaker 1: clearly by looking at the top one percent of income

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Speaker 1: earners versus the bottom ninety percent of income earners. In

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Speaker 1: nineteen seventy, the income of the bottom ninety percent of

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Speaker 1: earners flat lined, and shortly after the income of the

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Speaker 1: top one percent of earners started to skyrocket. These are

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Speaker 1: trends that were not in place until the money printer

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Speaker 1: was unleashed. And the money printer becomes unleashed, US government

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Speaker 1: or any government in general, is allowed to spend as

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Speaker 1: much money as they want by financing their debt with

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Speaker 1: newly printed money. This increases the money supply. It causes

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Speaker 1: prices to go up, which makes debt easier to repay,

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Speaker 1: which makes the biggest debt holders the biggest beneficiaries of

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Speaker 1: all the newly printed money. And the biggest debt holders

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Speaker 1: are always going to be the government, government contractors, and

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Speaker 1: large corporations, which means that central banks, central planners, and

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Speaker 1: the money printer are the direct cause of wealth inequality.

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Speaker 1: They are not the ones fighting it. But there is

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Speaker 1: some good news. Number One, you have the choice to

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Speaker 1: not be a sucker. Don't fomo in at the top

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Speaker 1: when everybody is buying, and don't panic sell at the

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Speaker 1: bottom when everybody else is panic selling. When everybody else

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Speaker 1: is jumping in for fear of missing out or thinking

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Speaker 1: they're going to get rich, there's euphoria. That's when you hedge.

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Speaker 1: I don't sell because you don't know the timing. Just

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Speaker 1: hedge just in case when everybody is panic selling and

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Speaker 1: getting out because they think it's the end of the world. Bye. Now.

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Speaker 1: I make these videos here on YouTube because I truly

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Speaker 1: believe that the world will be a much better place

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Speaker 1: if as many of you as possible are as rich

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Speaker 1: as possible. Money can't solve every problem, but it can

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Speaker 1: solve every money problem, and most problems are money problems

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Speaker 1: just in disguise. So I make these videos to teach

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Speaker 1: you how money works so that you can make more,

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Speaker 1: and keep more and give more. But some things can't

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Speaker 1: be learned in a twelve minute YouTube video, and that's

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Speaker 1: why I created Heresy Financial University so that those of

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Speaker 1: you who are ready to make the investment can learn

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Speaker 1: the strategies and the tactics that the professionals use to

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