The INSS Pyramid Scheme Exposed
59sThe shocking claim that retirement contributions are a pyramid scheme triggers strong emotional reactions and debate.
▶ Play Clip"The title promises a way out of CLT, but the video is mostly motivational fluff and a sales pitch for an AI tool, with only a brief explanation of affiliate marketing."
The video argues that Brazil's CLT labor system and INSS social security are an unsustainable pyramid scheme, urging viewers to seek financial independence through online affiliate marketing, particularly via TikTok Shop. The creator shares his personal journey and promotes a specific AI tool subscription as a means to achieve this.
The INSS (Brazilian Social Security) is not a personal savings account; contributions from current workers pay current retirees. The system is a distribution system, a pyramid, where the base (workers) supports the top (retirees).
In 1980, there were 13 workers per retiree; now there are fewer than 3. This makes the system unsustainable, and the government will likely make retirement harder (e.g., increasing age requirements).
The creator claims that being a CLT employee is like being a slave, programmed to be a good employee, and that the system is designed to control people.
In 2025, the pension deficit was R$1 billion, and annual social security spending exceeded R$1 trillion for the first time. Official projections say the deficit will quadruple in coming decades.
Elderly people currently make up 14% of Brazil's population, projected to rise to 30%, increasing the burden on the social security system.
Workers sell 9-15 hours of their day for a small salary, and the creator urges them to reclaim at least one hour a day for themselves to study and build their own business.
The creator says the biggest obstacle is the cell phone, as people waste time on apps instead of using that time to learn and grow.
The creator states that those who are good at making excuses are not good at anything else, and that excuses are what keep people from progressing.
The creator shares his journey since 2013 (age 9), distancing himself from friends who smoked, drank, and dated, to focus on building his online business, which he claims led to his current success (house, car, father).
The creator emphasizes starting with what you have, showing his humble beginnings (pasta and rice) and that he started with minimal resources.
Online business (affiliate marketing) avoids costs of physical stores (rent, inventory, returns) and allows you to work from home.
Affiliate marketing is earning a commission for bringing customers to a product via a link. Example: promoting a cap and earning a commission when someone buys through your link.
The creator shows a dashboard with R$9,400 in earnings over the last 7 days from TikTok Shop affiliate marketing, with automatic withdrawal.
TikTok Shop pays better than Shopee, Mercado Libre, and Magalu affiliate programs, and you don't need to share links—just post videos.
The creator recommends a subscription service that provides access to multiple AI tools (Google Veo, Gemini, Grok, CapCut, Caloda) for a low price, which he says would cost R$7,000+ if bought separately.
By signing up for the tool through his link, viewers receive his complete training course for free as a bonus.
AI can create videos, write covers, and work 24/7 without getting tired, and many people make money with 100% AI-generated content without showing their faces.
The creator advises that CLT should be a temporary transition while building an online business, not a permanent residence.
Working from home allows more time with family (father and son), which the creator values highly.
The creator urges viewers to start dedicating at least an hour a day to building their online business, and asks if they will start changing their life or go back to scrolling social media.
The video concludes that the CLT/INSS system is unsustainable and that viewers should take control of their financial future by building an online business, specifically through TikTok Shop affiliate marketing, using AI tools to scale their efforts.
What is the INSS?
The Brazilian Social Security Institute, a distribution system where current workers pay current retirees.
00:02
What was the worker-to-retiree ratio in 1980?
13 workers per retiree.
01:40
What is the current worker-to-retiree ratio?
Fewer than 3 workers per retiree.
01:40
What is the projected pension deficit growth?
The deficit will quadruple in the coming decades.
05:36
What percentage of Brazil's population is elderly today?
14%.
05:51
What is affiliate marketing?
Earning a commission for bringing customers to a product via a link.
15:30
How much did the creator earn in 7 days on TikTok Shop?
R$9,400.
16:12
What is the creator's recommended AI tool?
A subscription service providing access to Google Veo, Gemini, Grok, CapCut, and Caloda.
17:37
What is the creator's advice for starting an online business?
Dedicate at least an hour a day to learning and building, even while working a CLT job.
21:18
INSS is a pyramid scheme
The core argument that social security is unsustainable and not a personal savings account.
00:02Declining worker-to-retiree ratio
Provides concrete data showing the system's unsustainability.
01:40Pension deficit and projections
Highlights the financial crisis in social security with specific numbers.
05:11Affiliate marketing explained
Clear, simple explanation of how affiliate marketing works.
15:30TikTok Shop earnings proof
Provides evidence of potential earnings, making the pitch more credible.
16:12[00:02] retire, and your son's chance of retiring through the INSS (Brazilian Social Security Institute) is zero. I'm not government A or government B. And I'm also not saying this based on my own opinion. That's a fact. I'm going to introduce them all to you in this video. Today, basically,
[00:16] you receive a salary and you think that a portion of that deduction, which is the INSS (Brazilian Social Security), is you; you think it goes into a safe and stays there for you so that in a certain number of years you can go there and retrieve all the money you
[00:30] put in. But unfortunately, that 's not the case. That safe doesn't even exist. To give you an idea, if you work under the CLT (Brazilian labor law) today, what is deducted from your salary is called social security, also known as INSS, retirement, etc. There are
[00:42] several names for the same thing, but it's for your retirement, right? This money is used solely and exclusively to pay those who are already retired today. retire, who's going to pay me? Where's my money? People who are
[00:57] retire will basically continue contributing to the INSS (Brazilian Social Security Institute), and that's how you'll receive your retirement benefits. But that's the biggest mistake of this giant pyramid scheme. The person who will be paying your retirement in 30 or 40 years hasn't even
[01:12] been born yet. This formally has a name: the distribution system. 's basically a large pyramid, with many people contributing to something at the base and a few retired people at the top. But
[01:27] neither the many people at the bottom nor the few at the top receive a large sum of money, because the real money goes to the government. To give you an idea, in 1980, basically almost 50
[01:40] years ago, you had 13 workers contributing to the INSS (Brazilian Social Security Institute) for every retiree. The system was actually good for them. But nowadays, in 2030, 2040, man, there are fewer than three taxpayers for every person. Jonatas,
[01:55] but that's still enough, right? Yes, but look at this, people are contributing less and less. So it's very likely that when your time comes to retire, you will no longer have any INSS (Brazilian Social Security Institute) contributions. So, basically,
[02:08] they're going to do everything they can to reduce these expenses and increase, let's say, the harder for you to retire. So, in the past you could retire much earlier, but nowadays it's much later, and
[02:21] you have to meet several requirements. Why is that? It's because the government is a little evil, no, because otherwise this pyramid would collapse. So, to keep narrowing things down control over the taxpayers there, he narrows down the top, so that there are fewer and
[02:35] draw it for you here, okay? The entire pyramid only functions as long as it has a base, that's all. But when that base collapses, the rest of the pyramid falls on top of whoever arrived last. In this case, it's you or your child. Unlike my previous job (
[02:51] CLT), today I'm 23 years old, I have my own car, I've already achieved a lot , and I continue to help thousands of people here on the internet. I haven't lived, yet, and I'm practically retired already. If I want to stop
[03:04] show you that you can indeed do it online. A life—I'm not going to say a good life, people immediately think: "No, it's a life without working, no, brother, it's a peaceful life." My sole purpose with this channel is to
[03:19] help you for free, to share knowledge that maybe your parents didn't tell you, your friends will never tell you, and your boss doesn't want you to watch prosper and quit your current job. This video isn't a lesson, it's
[03:32] a serious conversation about the CLT (Brazilian labor law), about what's happening in the world today, regardless of government A or B. I 'm not citing anything here, I'm talking about the system, and it's a system that isn't sustainable today because there are fewer
[03:45] people working under the CLT and more people retiring. And in 10 or 15 years, man, the system is going to break down, this pyramid scheme is going to collapse. And I'm sure of it . Write down what I'm saying. By 2030, 2040, man,
[04:00] forget about retirement, it's going to become practically impossible, because I'm sure age, they're going to put in some bizarre thing for you to comply with, increase the Ah, Jonathan, but don't worry, the government will take care of it; it will make sure
[04:14] government will find a way that benefits them. It's like changing the rules of a game while the match is already in progress. So, if you're close to retirement, if you have one year left until retirement, think, "Wow, next year I'm going to retire." But then
[04:28] the government comes along and says, "No, now it's not at 70 years old, it's 75." In other words, you have a few more years until retirement. This is not guesswork. This has happened before and it could happen again. And I want you to understand this so you understand that
[04:42] a CLT employee is basically a slave, okay? You are taught, you are programmed to be a good employee. Once you understand this, you can, wow, see the same thing, but from a different angle, and perhaps get out of this situation as quickly as
[04:57] possible. And these rules are basically the government itself admitting that this system isn't going to hold up for much longer; it already isn't. Are you seriously going to hand over 40, maybe 50 years of your life to an
[05:11] institute, an organization that has already admitted that the system it preaches isn't things was the pension deficit in 2025. Man, a deficit of R$1 billion.
[05:23] There are reports showing that annual spending on social security has exceeded expectations for the first time. 1 trillion reais in just one year. And there's an official projection from the government itself, okay? Which basically tells us to our faces that this deficit, or
[05:36] rather, this small error, will quadruple in the coming decades, in the coming years. As people get older, this system also increases deficits. Just so you understand where we stand, the elderly, those
[05:51] who retire, today make up around 14% of the population in Brazil. In the coming decades, this percentage will increase to 30%, meaning many more people will depend on social security benefits and retirement pensions. And that's just
[06:06] bizarre. These elderly people, who don't have good health, have to use their salary—or rather, their pension—to buy medicine, and sometimes it's not enough, and they still have to have money for food, to support themselves,
[06:18] to live, to survive. Basically , the more elderly people we have, contributing to this system. So, why am I telling you this? Because, basically, today you own nothing, not even your time. You
[06:32] sell your time for peanuts, for a pittance, to your boss, to the government. And luck will decide for you what you will achieve, where you will be in life. So, this whole "CLT" thing, man, it's not job security. Ah, I'm going to
[06:45] I'll receive. Yes, whether we like it or not, in a way, yes. And that's why many people agree, so to speak, even knowing that it's unfair. Once you receive that pittance there, I'll call it personal pittance with all due respect.
[06:58] brilliant minds, who want to prosper, but are stuck in that situation. And that's of video here. If you clicked on this video, I'm sure it won't be better than the channel's average; it might even flop. But I want to
[07:12] reach you, people like you, who are salaried employees and want to prosper in life, who want to succeed. So I understand you, they sold you the CLT (Brazilian labor law contract) as if it were security, but in reality it's a prison. And I'm not telling
[07:25] example. You could, but the choice is yours. What I want to show you is that you can indeed have your own business, your own structure, and your own income without depending on a boss or anything like that. Basically, today you are 100% dependent
[07:40] on your boss or the government itself. What do you sell? 9, 10, 12, 15 hours of just take an hour? Yes, that's all I'm going to ask of you. And it's not for me, for you, or because of you. Wake up an hour earlier, or half an hour earlier if you can't.
[07:55] Go to bed a little later, half an hour later, but you need that time for yourself. Those who are CLT employees (employed under the CLT labor law) don't have time to prosper, they don't have time to study. And that's why schools promote being a good
[08:07] employee so much. Just give them bread and circuses, and it becomes easier to control people. Just limit them and it becomes easier to control them. So you have this time here work a lot. I know, brother. I didn't want you to work this hard,
[08:20] but at this hour, let's go. If you add up the time you spend on your cell phone, the time you might spend idly thinking about things that won't give you any return, thinking nonsense, or even the time you
[08:32] you might not even want to do. If you put all of that together in your day, you have the time. The time has come for your day. And the biggest villain in all of this is this right here, a cell phone. If you look at how much
[08:44] app, you'll be surprised, you'll be shocked, because , you grab your phone. On the bus, you can use your cell phone. Even at So, you have the time. If you respond to that
[08:59] with another phrase. Those who are good at making excuses are not good at anything else. So if you're making excuses to say you don't have the time, I'm sorry, but you're very good at making excuses. And that's what's keeping you from getting anywhere
[09:12] today. So, just so you know, there are people the same age as you building solid things, building their own things and example, made a very good trade; I mean, it was worth it. During my
[09:25] social life to learn the hard way, to learn how to make my life work. I've been on the internet for a long time, almost a decade. And I grabbed a story here just to show you something. Look at this. This is
[09:39] a room I designed in 2020. I think you can see it there. In 2020 I created this room for myself to work in, because I didn't have any other space to work. little bit of my story. This was in 2021. Basically, I've been sharing my
[09:51] story here since 2013. I was 9 years old and I was already exploring the internet. So, , it's a highlight on my here. If you want to see it, just go to @jonatilva. So, basically what I'm
[10:04] showing you is that, while many people my age were smoking, drinking, looking for casual relationships, paying for relationships, doing drugs, selling themselves , I distanced myself from those people and
[10:17] focused on myself. I knew that dating is good. I knew that smoking is very good for those who already smoke. But I had a different perspective on it. I decided not to date during that time. I decided not to smoke, not to drink, not to hang out with those people, because
[10:29] that's the worst mistake, hanging out with people who are a version, a type of you hanging out with them? Get out of here, get out of there . So I stopped dealing with those people and today I'm here, 23 years later, with my own house and car. Man, I'm proud to
[10:42] say that. I got my father out of renting, while those same people who were smoking, dating, distracting themselves, harming themselves mentally and physically, are now in therapeutic communities. So maybe today your mistake
[10:55] isn't because you don't have time, it's because it 's not your priority. You've gotten used programmed for it, and you're just repeating the same mistake. So if you keep going like this, man, in 20 years you'll be in the same situation. So I really
[11:07] wanted your life to turn upside down , but in a positive way, obviously. Today, at 23 years old, I am proud to say that I am a father. And that's something really cool that really moves me. If I hadn't made that
[11:20] exchange, that is, if I had done drugs, smoked, dated just mindset I have today. And most likely my son would have had resources, because perhaps I didn't have as strong a financial situation as I do
[11:33] today. So, man, all I'm saying is: "Don't wait until you're ready." Ah, have equipment, I don't have, man, the knowledge that you have, man, I did . This was my setup and this was my lunch.
[11:48] Pasta, rice. I think there were beans in that pot. I think you all know here. Look how much oil is in this. This was my life, brother. I knew I started with this, with what I had, with the bare minimum I had. It's about me
[12:01] doing the best I can with what I have today, so I can improve and do here, you have an internet connection. Some people don't have internet access, while others take their cell phones and go somewhere on the street to
[12:14] a course. And I didn't do any of this through training or knowledge. I didn't have a father figure or a mentor, as many people call them, for my work. I had to this is me in 2013. Look at this . I was 9 years old and I had already
[12:29] YouTube channel. I knew this would work out , it was just a matter of time. I was focused. It's so much so that today many people say: "Oh, you have a gift?" No, brother, . I've been studying, applying, learning, and
[12:42] getting to know things for over a decade. Man, even today I'm very good at what I do, but I recognize that I'm not the best, I'm the only one. So, when people say, "Wow, study?" You have to study. When I say " studying," I'm not talking about school, okay
[12:55] ? Primarily in the public sector, but rather in pursuing something and being good at what you want to be. So, some people want to be doctors, and you can't blame them. It's a very good profession that pays well, it's very difficult, it's very expensive, let's say
[13:08] learn, but it's a profession that's very worthwhile for those who want it. If you don't want to be a doctor and only want to be one for the money, don't do it. Don't study medicine. If I'm helping you see this situation from a
[13:21] different perspective, I kindly ask you to subscribe to this channel. Click the subscribe button here to see more videos like this one. Is it going because I know that on the other side
[13:33] people who will understand what I'm saying and will change their lives. I'm not telling brother. Don't misunderstand this, but in order for you to in parallel while you're still on a CLT (formal employment contract) and try to pursue both paths. I
[13:47] know it's difficult, I know it's not easy, but you have to get out of this get started online, but what's the best way to do it? How do I do it? I want to do what you do. Is it possible, man? Yes, nowadays there are many
[14:00] ways to make money on the internet. I highly recommend you do something online, because what does anyone who earns even a little bit of money do? Thinking about opening a store, thinking about building rental properties. But,
[14:12] dude, come on. In a store, you have local costs, meaning you have to build, buy, or rent a physical space, correct? You have to have merchandise, you have to handle refunds, you have to handle chargebacks. Man, all of that
[14:24] is a really annoying situation. You also have to deal with returns, you have to deal with customers right there in front of you every day. It's a profession. But on the internet, compared to this market, you don't have to
[14:36] worry about returns or refunds, because Lot already takes care of that when you start as an affiliate, which is what I'm going to explain to you you don't need to rent a space, you don't
[14:49] example, let's say I have this cap here. This is a really nice cap, and Instagram now. Let's say this cap here costs, for example, 20. And my friend who sells them, his name is Ricardo. Ricardo owns a hat shop, but I
[15:03] know Felipe. Felipe wants to buy Ricardo's hat. I say, "Hey a link for you. You can buy it through this link and the cap will arrive at your house ." Felipe goes there and buys it. But since I sent my
[15:16] affiliate link, Ricardo will know that the purchase happened through my link, meaning I brought Felipe to Ricardo's store and Ricardo gives me a me, Felipe wouldn't have bought it. So basically, affiliate commission is
[15:30] basically that. You earn a commission for bringing a customer to within TikTok Shop, which is a market that moves millions and even billions in various countries around the world, it's a very simple market because you don't need to grab the
[15:45] link and start promoting it; you'll create your video right there within TikTok itself. And everyone has TikTok, everyone uses it, everyone's addicted. So, the more commissions you earn within TikTok Shop, the more those commissions
[15:57] accumulate and you can withdraw them, OK? So, I'm going to go inside my Look at this. This is my balance. In truth no. This is a dashboard that shows that in the last 7 days, look , I made 9,400.
[16:12] 9,400 for automatic withdrawal. Today is Wednesday and TikTok is going to send me this automatic withdrawal. Affiliate marketing is the simplest and fastest way for you to make money online because
[16:25] need to create anything, and you don't need to own a product. All you need to do is create a video of the product, like I did here, I showed you the cap, right? I hat for anyone who liked it. So I can either pick up a cap, the product, order or
[16:40] record it, or I can use artificial intelligence models to sell for people are selling their time, I'm here in my house, in my room, in my office, making money from it, without even showing up on
[16:54] multiple TikTok profiles. And I'm only on TikTok because TikTok is a social network, it's an app that's already one of the top growing apps here in Brazil. Shopee has an
[17:07] affiliate program, Mercado Libre has an affiliate program, man. Magalu also has an affiliate program, but TikTok Shop pays better, and within TikTok Shop you don't need to share links for people
[17:22] to buy, you just post the video. all, I don't appear in them. And I want to recommend a really good tool to you, which has several artificial intelligence features for a
[17:37] single price. So it's a subscription service that I pay for every month, and I have unlimited access to various artificial intelligence tools, like Google VO3, Gemini, Grock, Cap Cut (which is also very good), and Caloda, which is a
[17:50] system that lets me see which products are selling best on TikTok Shop at any given moment. So that's basically all I need, and it's totally worth it because I test it, I use it, and if I were to pay for each of these artificial intelligences
[18:02] separately, man, I did the math, it would cost at least R$7,000, R$ 1,000 at the very least. But within this tool, man, I pay very little. TikTok Shop, you've seen that it's really possible to make a living from it. I make a living from it today.
[18:16] first link in the description to learn more about the tool. I'm not asking you to buy anything, just click and check it out. If it makes sense to you, you can sign up and you a course as a bonus. It's a really good tool, I talked to
[18:31] the guys and I managed to get my training included as a bonus. So, if you sign up for this tool through my link, you'll receive my course, my complete training, totally free, as a bonus. So, if you have any
[18:43] have a little problem during the purchase, if you have any doubts, man, call support on WhatsApp, call support because the guys are very good, they have humanized support and it's one-on-one, it 's not in a group, it's not a robot, it
[18:55] 's one-on-one. Today, man, with artificial intelligence you can do everything. You write video covers, you make videos, you create very good because it doesn't get tired, it doesn't get discouraged, it doesn't ask for a
[19:08] raise, for example; it produces while you sleep. This is news, okay? posting videos that are 100% AI-powered, and they don't even show their faces, yet they still manage to make money from there , because all they have to do is recommend
[19:22] products, bro. It's such a simple thing, you see? But since it's something new, try going. No, that doesn't exist. You're at home and you're going to earn more money than a doctor, than a judge. No, that doesn't exist. It exists. But because it's something
[19:35] new, you don't believe it. You think it's difficult. But putting it negatively, that's why you believe in the CLT (Brazilian labor law), that's why you believe in the INSS (Brazilian social security system), because it 's your grandparents, it's your parents putting it in your mind, in your
[19:48] ear, that you have to do this because otherwise you're a bum. So, just so you understand, okay? The CLT (Brazilian labor law) is not meant to be your home, it's not meant to be your permanent residence, it's meant to be a temporary situation. So, of course we have to eat, and
[20:00] sometimes on your digital journey you might not see results in the first month. It's unlikely, but it's possible that in your first month you won't see any the problem. You need to eat, you have bills to pay. So, the CLT (Brazilian labor law)
[20:15] is indeed meant to be a temporary transition, OK? If you 're not sure about starting in the digital world, and you just want to test it out, that's okay, bro. All good. Even so, if you think the INSS (Brazilian Social Security Institute) is worth it and all, I have a question for you. Wow, there's one thing that's
[20:27] working from home, I spend more time with my father and more time with my son. And if I lived like a CLT (Brazilian labor law employee), man, no, I don't even know what my life would be like without seeing my son all
[20:40] day, without being able to talk to my father all day. I honestly don't know. So, if that 9-year-old boy from a humble family, who had nothing going for him but the will to succeed, did he succeed? Wow, man, and you have
[20:52] internet access, you have, maybe you have a lot of things that many people crave, you have them, you already have them, but you want to value something you don't have more than what you already have. Dude, appreciate your cell phone, appreciate your internet, and
[21:04] above all, appreciate your father and mother, appreciate your life. You're alive. I know conversation, I needed to tell you this because I've seen that many people are tired of the traditional CLT (Brazilian labor law). I see, even in my own social circle, that there are indeed people who are
[21:18] tired, but they do nothing to change. So, dude, just take some time for you should quit your regular job and spend two months without working. But even if 's say an hour a day, man, an hour is ideal, okay? If you can't, half an hour is fine, is that
[21:31] okay? Like I told you before, if you don't have much time now, do the so you can do even better in the future. One final question: will you start as soon as possible? Are you going to start changing your life, or are you going to go back
[21:45] to your feed, your real money, your TikTok, and pretend you didn't hear and pretend TikTok, and pretend you didn't hear and pretend nothing is happening?
⚡ Saved you 0h 21m reading this? Transcribe any YouTube video for free — no signup needed.