---
title: 'Financial Advisors React to the Wildest Money-Making Schemes'
source: 'https://youtube.com/watch?v=3bwGBdZaVfU'
video_id: '3bwGBdZaVfU'
date: 2026-08-04
duration_sec: 794
---

# Financial Advisors React to the Wildest Money-Making Schemes

> Source: [Financial Advisors React to the Wildest Money-Making Schemes](https://youtube.com/watch?v=3bwGBdZaVfU)

## Summary

In this video, financial advisors Brian and Bo react to a series of outlandish money-making schemes, from collecting discarded water bottles at cycling tracks to building DIY hot tubs and exploiting credit card offers. They debunk each scheme with practical financial wisdom, emphasizing that true wealth building is simple but not easy, and warning against get-rich-quick traps.

### Key Points

- **Investing Cheat Code** [01:14] — Instead of trying to beat the market, be the market. Buy index funds. This is the simplest and most effective investment strategy.
- **Bottle Collecting Scheme** [01:40] — A man set up a cardboard sign near a cycling track that said 'bottles,' collecting dropped water bottles from cyclists. He made a little money, reduced litter, and helped cyclists improve their ride. The advisors think this is a legitimate, low-impact side hustle.
- **Marathon Clothing Pickup Business** [02:19] — During marathons, runners often discard clothing when they get hot. The advisors suggest a business picking up and reselling these clothes (e.g., Lululemon). They note it's a viable idea but not a huge money-maker.
- **Infinite Banking** [03:13] — The wealthy use life insurance policies as assets, borrowing against the cash value tax-free. However, the advisors warn that this requires a large initial sum (e.g., $5 million) and has pitfalls like policy lapse and taxable events. It's not a practical strategy for most people.
- **DIY Hot Tub Business** [05:45] — A scheme involves building a hot tub from a $400 stock tank and a $200 jet kit, then selling it for $5,000. The advisors are skeptical, noting the lack of a heating element, limited market, and potential for high costs and low sales.
- **Mr. Beast Dollar Scheme** [07:22] — A TikTok-style scheme where you ask strangers for $1, implying they'll get $10,000 in return, pretending to be Mr. Beast. The advisors dismiss this as unethical and likely to get you beaten up.
- **Credit Card Limit Combining Hack** [08:21] — A hack to combine credit limits from multiple Chase travel cards into one Chase Freedom card, creating a large 0% APR balance. The advisors point out that it's not free money; you still have to pay it back, and it's not a path to wealth.
- **Simplest Path to Making Money** [09:51] — The five-step process: 1) Find a service people already buy, 2) Do it in half the time, make it twice as easy, or remove all the risk, 3) Ask everyone you know if they know anybody who wants it, 4) Charge more than everyone else, 5) Don't stop. The advisors note it's easier said than done.
- **Storage Unit Flipping** [10:46] — A YouTuber bought a storage unit for $900 and found items worth about $1,800, but it took a full day. The advisors caution that it's not easily replicable and may not be a reliable income source.
- **Sell Your Own Junk** [12:16] — Instead of buying storage units, clean out your own garage or attic and sell your own items. This is a more practical way to make money.
- **Building Wealth is Simple but Not Easy** [12:32] — Wealth building is a slow process. You don't need to outsmart the market or invent something new. Use tried-and-true strategies like the financial order of operations and wealth multipliers.

### Conclusion

The video concludes that most viral money-making schemes are either unethical, impractical, or not worth the effort. True wealth building is simple but requires discipline and time, not shortcuts.

## Transcript

>> Unethical ways to make money, part 12. >> So, why not react to the wildest money. >> Everyone, I am so excited about this cuz when I hear scheme, I know that the internet is about to deliver. Let's dive
>> stuff is, schemes. Welcome to my realistic day in the life as an Every day usually wake up around 2:00 a.m. Today I decided to sleep in a little. First thing I do after waking up is make some coffee and I go for a run.
did a light jog and then we're headed straight to the gym. Gary V motivational speech on a quick back workout, some deadlifts, hoop sesh, shower, and we're it's 6:00 a.m. Pacific time. The market opens in 30 minutes, so I began by
checking up on my clan and collecting some golds and elixir. 6:30 a.m. I see a big dipper formation on the AMD stock, so I go and buy some options and wait for that position to hit my take profit. I go ahead and cook up some breakfast in
the kitchen, come back to a $4,000 loss on that AMD position. I then quickly go that money back, but we hit another $7,000 loss on Neo stock. So, a total say that's a little better than usual for me.
young people, that there is a one only right way to be productive and efficient that that's true. That's not been my experience. >> Let me go ahead and cut through all the noise and give you the investing cheat
code. That's right, here it is. Lean in. Come on in. Instead of trying to beat the market, be the market. Buy those index funds. There you go. I just summarized it, made it easy. That's
guy found a genius way to make money. He set up a cardboard sign near a cycling track that just said bottles. Pro cyclists often drop their water bottles faster. And sure enough, some riders
where his sign was. In the end, he collected a bunch of bottles, made about the same time. >> Here's the thing. This was good for everybody. It cut down on litter. It was a way for the cyclist to improve their
ride, and he made a little bit of money on it. Look, there wasn't a huge impact to this. I don't say this is a scheme. I I think this works. I think this was >> So, look, I'm out of the game on this stuff, but for there was a season where
marathons. >> Mhm. And I did find it amazing that a lot of people just like disrobe while they're in the middle of running or to those races. and they get hot, and then they're ticked off that they've
only run 3 mi when they got 10 more to go. So, I think there's probably a whole business out there where people like pick up Lululemon or all the other fancy half marathons or marathon runs. So, you saw this clip, and you're like, "You
going to say >> to help him. I'm trying to help him cut clothes on it. That's not the way you make the money. This was This is I'm telling you there's a better way to do
money. Come run the money guy marathon. Clothes optional. Right? That's what I'm >> they don't get naked. But they they they get hot. But they they they get hot. Most people look at insurance as death
benefits, and they get money I got to be able to pass away. The wealthy look at insurance policies as something that grows in assets. >> They don't use the bank. They become their own bank.
insurance. >> policy on their self, which grows in interest that they can ball from. If I have $500,000 inside that insurance policy, I can ball from it tax-free. So, whatever I spend, it's
tax-free. So, whatever I spend, it's completely tax-free. inside of an insurance policy Step one, get $5 million. It's at 10% interest
because it spits out every single year. This person is going out there and giving that money to the dealership, paying them off every single what, and going to pay their giving that money to the banks by paying their mortgage, the
wealthy borrow that money from their insurance policy and purchase the house. And they pay theirself back off with it. They go to the dealership, they purchase with the insurance policy tax free. You know what's not cost free? Expensive
>> That's right. That's exactly that. There are glimmers of truth in what he build up cash value inside a life insurance policy, you can borrow against that cash value. It's a tax free event so long as the policy does not go into
lapse. The problem is is if you want to spend money, you want to use your resources, why on earth should you have to borrow it from yourself? Because now got to make sure the policy stays in force and one of two things happens.
Either you have to pay back that money at some point or it becomes this giant taxable event or you got to die. You know, this infinite banking thing that that that that you see the reason you see so much coverage on it is cuz
selling life insurance is extremely profitable. Yes, it's true that the uber wealthy do use life insurance for some arbitrage opportunities that they but that's that's the wealthy. They also fly in private jets. I don't see you trading
your Southwest tickets to go buy an airplane. First step, step one, go buy a jet. You know, that's what that's essentially what these guys do when they say, "Hey, all you have to do is build up $5 million." Nobody's giving you the
things. You still have to pay all the cost of insurance. That's That's why it it's fitting quite is genius and behind every genius product idea is a genius business idea.
pool to make a million-dollar business and how you can do it, too. I would go to Tractor Supply and buy a $400 stock tank like this one. Then I would go to Amazon and buy a $200 above-ground pool jet and nozzle kit. I would get them to
my house. I would build this using YouTube and ChatGPT. I would take pictures and videos of it in all of the mom Facebook groups and on Facebook Marketplace. I guarantee you you can build these for under 4 hours and $1,000
in materials and sell them for $5,000. >> So, it's hot tubs. He's building hot >> Well, I don't think there's a heating element. There's only a filter element. >> just a miniature above-ground pool basically in uh This is going to have a
designated market, by the way. I I don't I don't I don't see Maybe here in Nashville it'll do well, but I just don't see this. I don't see you going to Manhattan and going to the Tractor Supply store and setting this setting up
this um scheme. You're going to end up spending 8,000 No, mark that. $12,000 worth of supplies, so you might sell two. And one of those is going to be your mama or your grandmama buying your above-ground $1,000 um nobody wanted
getting in that pool. I don't think that's a grandma-safe pool. And by the way, here's the business is you you sell it to them for a thousand and then you say, "Hey, in 4 months when this thing's a cesspool and
covered up with all kind of grime and dirt and everything else, I'll haul it Look at that. He's get Beginning of both ends. >> Get them both ways. Unethical ways to make money, part 12.
going to have your friend follow you recording on his iPhone. Then you're going to say, "Do you know who Mr. Beast is?" Then you're going to ask for $1 to going to think they're in a Mr. Beast TikTok video. They're going to give you
$1 and expect for you to give them $10,000 in return. But you're going to walk out of the store. Repeat that 20 times at the Walmart and that's 20 bucks >> Yeah, and then you get beat down in the parking lot.
>> By the way, you have to have this guy's hair. with with this this tank top. >> top. if they don't give you the dollar, they would get beat down.
>> What about the people who are like, "Do you know Mr. Beast?" Yes, I do. Can I can't. I don't think I would just randomly hand somebody a dollar. I don't this would work. >> So, there's a credit card hack where you
go to chase.com, you request travel cards. So, you get the Marriott, the Ritz-Carlton card from Chase, and then you get the United card. They're all Chase cards. And those give you a high limit. So, they'll give you like 20 25k
and they expect you to spend a lot of money. So, you'll get like 80k, 90k. And you tell them, "Hey, I want to combine these cards into one. I want to transfer the credit limits into one card." But, you apply for a Chase Freedom card.
of work. >> you move all your credit limits from the travel cards to your Chase Freedom card. Now, you have an 80 90,000 credit card >> 0% for 15 months. So, I did that for me, I did that for my wife Sue, and I did
that for my dad. And I created like $300,000 of credit limits 0%. So So, but but then what?
>> It's not free money. I mean, I guess they think 0%. of debt, you got to you got to pay it back. And I guess maybe he's thinking no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,
no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,
no, no, no, no, no, with millionaires all across the country, 49 states. >> I don't think any of them have come from playing this 0% interest rate Zero of to wealth. >> The simplest path to making money. One,
find a service people already buy. Two, do it in half the time, make it twice as easy, or remove all the risk. Three, ask everyone you know if they know anybody who wants it. Four, charge more than everyone else. And then five, don't stop
right? So I need to do it in half as much time or remove all the risk. I'm one else has figured out how to do it as efficiently as possible or remove all that no one else has had that no one else has figured out. That's a really,
really difficult thing to do. It sounds great on paper, but in practice, that might be hard. And then, once you do it, then you're going to come in and price be really, really good at sales cuz I can go buy X this thing for $10 and I'm
selling my thing for $20. Can this work? Absolutely. Is it as easy as just a little five-step process? If it was that easy, everybody would do it. I'm finally asking me to try, flipping a storage unit. I paid about $900 for this unit
see if we made any money. At first, I really wasn't finding much besides like locked metal box, which I brought home. More on that in a bit. There was an old raggedy Ann doll, a bunch of DVDs, a carpet steam cleaner. This silver tray
decent money. This old elephant phone was cool. Similar ones are selling for >> This is a fire receiver. Anyways, had to get this furniture out quick because I only had the U-Haul for 1 day. >> This gives me anxiety just watching
were a lot of broken electronics and some brown sugar. One of the big reasons a safe in the pictures. So I grabbed that. I actually found another one, too. here. And then I scored a Nintendo DS Lite with a bunch of games. There was a
car stereo, an RC car frame, and then way in the back was a brand new unopened 50-in TV. This was everything that to keep and sell. One of the locked cases poker chip set. The total value is around 1,800 bucks.
>> How much time did it take? He said it was a day, but I bet that this was like a full day, right? So, I'm thinking this is like an 8-10 hour day to go through replicable, you got to do it over and over and over again. Well, sometimes you
to profit 400. What about the ones where it doesn't have that stuff? What about the ones where you actually take a loss or just break even? If this is something have like a skill set for it, great, do it, but I don't know if this is a way
living. >> Well, you know, this really did create this work already at my house. I can go through and clean out my garage. I can go clean out my upstairs attic. You don't have to go buy somebody else's
that's actually going to make you some money. Sell your own junk. Building wealth is not necessarily easy. And a lot of these schemes want to make it It's not easy. It's a slow process, but it is simple. You don't have to outsmart
You don't have to come up with something new. There are tried and true strategies that you can employ that can really help you build wealth, not the things that we and you want to know how you really can build wealth, do this. Go to
moneyguy.com/resources. We literally give it away. We tell you wealth multipliers. We show you the financial order of operations. There is a better way to do money. Don't cut the corner off and squander your most
valuable resource. That's your time. I'm Brian. This is Bo. Money Guy team. Out.