They're Dumping AI's Toxic Debt Into YOUR 401(k). Here's How

A trillion dollars. A trillion dollars. That's how much borrowed money is holding up the entire AI boom right now. And the same guys who spent three years promising that this technology would change everything just walked into DC and asked for permission to slow it down. But I don't think that they're afraid of the machine. I think they're afraid of footing the bill for the machine. And so while Washington is debating slowing AI down, Wall Street is pushing to put the same risky loans funding it into your 401k, which is happening right as social security is set to run out by 2032. So forget the killer robots for a minute here. The question that matters is who gets the upside and who gets stuck with the bill? Welcome to Man in America, a voice of reason in a world gone mad. I'm your host, Seth Holhouse. My guest today, Mark Wilburn, is the president and co-founder of Nios Capital Development Group. He's the author of a book called Understanding the Matthew Effect, which goes into why the rich keep getting richer and how everyday people can tap into those exact same strategy. Mark has trained thousands of people on how to properly trade the stock market, not gambling or guessing or following some talking head on CNBC, actually reading the charts and understanding what the big money is doing. So his strategy produced 141 trades last year with a 78% win rate, which means nearly eight out of every 10 trades were winners. And at one of his prior events, he shared two stock picks live with the audience, SMR, which is New Scale Power, and NNE, which is Nanonuclear Energy. And both those stocks went up over 200% after that event. So people who followed that doubled their money and then some. And so Mark is also, he's holding a free live training event in September this month on the 24th and the 26th. It's called the Freedom Trading Summit, where he's going to break down exactly what's happening in the markets right now, but also how you can position yourself on the right side of what's coming. He'll show you the truth about what's really happening in the markets. So you can sign up right now at mia-neos.com and register. Again, it's free. The link is in the description. And he's even giving away a free digital copy of his book just for showing up. So again, that's mia-neos.com and that link will be in the description. Let's go ahead and get into my conversation with Mark Wilburn. Mark, man, it's good to have you back on again. I really, really enjoy talking to you. And it's good timing to have this conversation because there's a handful of things I've been following that I really want to get your thoughts on. So thanks for giving us your time today. Of course, Seth. It's always awesome to be here with you and your community. You've got a great community here. And anything we can do to help bring understanding in this crazy time, we're more than happy to do. Thank you. Thank you. I appreciate that. It's also, what I like is that you look at the markets and you look at things not just from a traditional finance guy, but someone who understands the mark of the beast, the Federal Reserve and all these things. So it's a really important lens to look at this. And so anyway, there's kind of a little bit of a narrative that I've been piecing together and trying to understand how it all fits together. And so I want to get your feedback on this. Here's what I'm seeing though, is that on one side that we've got social security, right? Which a lot of people are either A, depending on social security for their entire retirement, or a lot of their wealth is tied up into it, right? And so the numbers have just gotten worse for social security. So the retirement trust, the fund that funds it, they're now projecting it's going to run out in late 2032, which is a few months earlier than they were saying it was going to run out last year. And if Congress isn't making changes at some point, that money's going to be coming in the system. It'll only be enough to cover about, I think, 78% of the actual retirement. So there's this 22% shortfall. And while 2032 sounds like it's distant future, it's only six years away. So it's actually quite close. But at the same time, as we've all seen, we have this enormous AI boom that's happening, right? Trillions of dollars being dumped into data centers, chips, power plants, infrastructure, obviously all the big tech stocks. But a lot is like, okay, where's that money coming from? And a lot of those trillions are coming from debt and the private credit. And so everyone's really worried about killer robots taking over, which I think is something we should be worried about. But I think there's also a much more immediate financial problem that's sitting under all this. What happens if all this money gets borrowed and spent building this huge infrastructure based upon these expectations of these massive AI profits? What happens if that doesn't materialize? Because right now we're seeing that some of the biggest people in the AI, CEOs, et cetera, they're now saying, hey, we should slow things down. They're pacing the frontier. We want safety standards, outside evaluators, maybe some more government regulation. And maybe they're actually terrified where things are going, but I don't think that's it. I think there's another side to this. Because if you slow down the AR arms race, you also slow down this insane cycle where these companies have to keep spending tens or hundreds of billions just to stay ahead of the other person. And then there's the even bigger question, which is if they slow down the AI, then eventually who's controlling who gets to build the AI? Is that part of it? Slow it down, have it more regulated? Because a lot of the biggest AI companies, they're sitting at the table that are helping establish these rules, the same safety standards, the evaluators, and they're maybe even getting an antitrust protection so they can coordinate with one another, which is really pointing out to more of a government-private-public-partnership-monopoly type thing emerging, which is frightening. But then the question I've seen throughout this whole thread is that at the exact same time the America's retirement backstop is getting weaker, there's this push to give average Americans this exposure to these private markets and private credit is becoming a really, really key part of financing this huge AI build out. And so you have these two kind of things moving towards collision, right? You have a social security system that's running out of its reserves and you have a retirement system becoming increasingly exposed to the private financial system that's funding the AI boom. And so if the AI boom doesn't materialize, it's not like, oh, Sam Altman's losing all his money. It's like, no. Pension accounts, retirement accounts, it's the average American people, they're the ones that are stuck footing the bill. And so am I looking at this correctly? I mean, the AI CEOs are saying they want to slow down, but you read charts for a living. And when you look at how this entire build out is financed, what is the real money saying about all this? Well, you covered a lot of things here and that's a great question that you asked, number one. But you're covering a lot of things here and you are putting together a lot of the missing pieces that most people aren't seeing, right? And so we've got this social security retirement that is ending, like it's going to end. And there's so many people that I know who are dependent upon it. And it doesn't matter how much you sound the alarm. If people don't want to hear it or they don't want to see it, they kind of, oh, you're a conspiracy theorist. This isn't really going to happen. No, these are government numbers. And so learning to take control of that for yourself is paramount, number one, especially if you're depending upon it. Then you bring in the side where the CEOs who it was essentially like, let's go as fast and as hard as we can for the last three years. And now it's like, no, let's stop. It's trying to stop a moving train on a track and it takes a mile for a train to stop, right? Like as soon as the conductor hits the break, it takes about a mile for that thing to stop. And this is going to take a while for it to stop. In fact, we actually saw Andrew Yang coming out yesterday, dropping news that when ChatGPT's bot had the hack, I think about a month and a half, two months ago, it actually replicated itself in the internet. There is code in the internet. He said, quote, the internet is corrupted with this code, the entire internet. If that's true, it's kind of too late already, if that's true, right? And so why are we seeing all of the fear-mongering? Why are we seeing everyone instantly say, let's stop? And like you mentioned, you don't have to look far. All you got to do is follow the money. And so what I've seen is money exiting the stocks instead of entering the stocks. And I think that's what is driving this. We've got stocks like SanDisk and EMU, they've seen 50% drops from their highs. And it's not just in those data centers, which you talked about, like, hey, let's expose people to it. Semiconductors, Broadcom, Lamb Research, they're down 30%. On one hand, this makes sense because they had huge rallies. I mean, you're up thousands of percentage points in EMU and SanDisk, but if Wall Street was still bullish, they wouldn't be booking profits. They're trying to push it high. And so the circular financing model that we talked about a couple months ago, when we start seeing that run out, that's what I think CEOs are actually recognizing. And that's why they're calling for a balance. So when you say they're booking profits, you're basically saying that, they're kind of saying, okay, it's gone up enough time to exit, right? Because if they thought that it was going to keep going up and up and up, it's kind of like, why would you get off the ship? If it's kind of rapidly going toward your destination, why'd you kind of get off halfway, right? Unless you think the ship is going to hit an iceberg or something. Exactly. And so when you have everyone bullish in a sector, the last people who really get on board is the overall general public. It's the guy who heard about his cousin's boyfriend's sister getting rich off MPU. And so now you got to do it. And FOMO catches people by surprise. And so what happens is institutions sell to those people, and they're like, hey, data centers is the way to go. And so you start trying to find data stocks, and they're already up 1,000%, 900%, 500%. So we're buying up here, and the people we're buying from, Seth, are the institutions. That's what we're talking about. I see. If that was the case, they'd try to keep pushing this thing higher. I see. And it also seems like, looking back at history, the history seems to have consistently taught us that whenever all the mainstream media outlets, the Jim Cramers, everyone, whenever they're echoing the same thing, then it's either the opposite is true, or they're trying to pull something over the public. It's safe and effective, safe and effective, safe and effective. No, it's not safe and effective. The more you say it, the less I believe you. The more you say, oh, the AI boom, the AI boom, everything, the more I see that, the more I'm like, there's something going on here. Especially, like you mentioned, if Wall Street is actually now exiting these positions at the same time the general public is like, hey, great, let's make some money off of these tech stocks, something's going on there. And we're seeing a lot of the politicians come out and do it too. So you've got big tech execs, like you're talking about the Sam Altons of the world, but then you have Bernie Sanders also coming out saying, hey, you should go to prison if you keep doing this. And we're hearing that same echo from mainstream media on the whistleblower who came out and was like, this unknown dude on X, all of a sudden, his posts blow up, he's getting interviews. 170 million views on Twitter, right? Yeah, it's crazy. And so Cathie Wood, I'll give her props, she killed it in 2020 and then her fun went down really bad. And she's really recovered from that, but the lady's wildly intelligent. And so she's the one, I saw a post from her and I don't have it pulled up, but I saw a post from her where she said, this is really shady. This unknown guy works at this AI company for five months, leaves and he's this huge whistleblower all of a sudden, that seems like a setup. And that's where your Elon Musk came in and was like, Cathie's right here. And so you kind of have these two teams, if you would. One saying, stop everything, that's the mainstream media. And then you have a couple other people who are like, this sounds familiar and shady from 2020. And that's kind of the camp I fall in. You're one of those tinfoil hat people, aren't you? Oh, I have a lot of those hats. Yes, sir. But I think it's interesting because we talked about history repeating and there's nothing new under the sun, right? I mean, the idea of the rich getting richer and the poor getting poorer, I mean, this goes back to our origin story, right? And you wrote a whole book on it, which is the Matthew effect, right? It's why the rich keep getting richer and the poor keep getting poorer. But so when you're looking at this bubble, this AI bubble, and also I think that when you've analyzed past bubbles, .com, housing, et cetera, when a bubble like that actually starts to unwind, who's actually getting richer and who's getting poorer? How does that work? And how does that fit into just the average American's bank accounts? For sure. So the concept of the rich getting richer is actually a spiritual biblical law. Jesus makes this statement five times in three gospels. And if you are a Christian, you have a Christian worldview and you believe Jesus is the son of God. If God is saying something, it is established as a law. And he said to him who has more will be given, the rich get richer. To him who doesn't have what he thinks he has will be taken away, the poor get poorer, right? So that's a spiritual law. And the book itself is just about how you as an average person can tap into that and become it. But your viewers know about supply and demand. I know you've taught them a ton of that, especially dealing with precious metals like silver, but that's how the stock market moves. And so a lot of times we think it moves on news and political events. It's actually supply and demand. So if demand's there, people are buying, stocks go higher. If there's no demand, people are selling, stocks go lower. All the valuation metrics, the PE ratios, the forecast, fundamental analysis, it doesn't mean anything when institutions sell. Overvalued stocks go up all the time and undervalued stocks still drop. The real winners in this scenario are your institutional investors. Those are people who are selling at these highs and that is a process called unwinding. They're getting rid of these positions like we just talked about. Subsequently, that's what is making them rich because they're selling for profits. Wall Street doesn't hold positions for a long time. Rarely do successful investors and traders hold positions forever unless they're really early, like Buffett and Coca-Cola, like you think about his dividend stocks on Coca-Cola. He's never going to sell that because his dividends pay so much. He was super early. But even if you look at like indices, Seth, the S&P 500, you look at them getting rid of Nike, Nike was it growing up. I mean, you had the Michael Jordans coming out, signing deals with them. Nike's, the company itself, is it going to go out of business? Most likely not, but they're out of the S&P now. They just got replaced with Bloom Energy. And so if indices and indexes are not holding companies forever, A, neither should you, but that's what we do in our 401ks, which is really interesting because that's how they're tapping into all this. Interesting. And I think you really, you only get these scenarios where they hold forever when you say that you were one of the original Apple investors, right? Or Buffett with Coca-Cola. It's like, okay, maybe in that case, yeah, you bought Coca-Cola at five bucks a share and it's split and everything so many times, maybe that makes sense. But the thing is, is that, again, it's kind of their whole structure is do as I say, not as I do, right? And it's like, okay, do as I say. Well, as we've talked about extensively, you go to your local TD advisor, your Vanguard IRA, the guy who's managing it, that's kind of the same thing as just going to your pharmaceutical doctor and saying, I feel sick. And he gives you a pill bottle, right? They're still part of the same system, which is meant to keep us down here and to keep them up there. But now they're coming after private credit, right? So this is what's kind of crazy with this is that as you're watching this AI bubble and this funding, obviously there's insane money printing, which I think is a big thing. It's kind of propping up the stock market and making everyone think, wow, the market's going crazy. Because they're printing a bunch of money that's going straight into that. But now a lot of these debts that are being used to fund this AI expansion in the data centers and all this, they're funding it with 401ks, social security reserves, which are rerunning on 2032. And so if someone says 55 has been told their whole life just to buy and hold, what are they exposed to in a market like this? No, great question, man. So again, this kind of leads to what we were saying. Six years is not far away. And so a few months ago, we actually saw where BlackRock CEO Larry Fink floated this idea on stage saying that data centers, AI, nuclear, all of that needs to be part of people's retirement invested growth strategy. And his pitch, if you would, pitch is used loosely here, is that there's potential for the upside that everyone needs access to. Data centers are coming, so you need to profit on it. And so BlackRock is kind of doing what they can to worm their way in, offload these funds into individual portfolios. And so the scary thing comes when the is ready to retire. If we have another like 07, 08 crash, the Nasdaq, Seth, dropped 80% from its house. That's the index. That's not like a random stock. The entire index dropped over 80% and it took 16 years to recover that. I always tell people one of the best ways to grow your wealth is to avoid those big drops. A 10% loss is way easier to recover than an 80% loss. And so if you have all of your stuff in big tech, Apple, Amazon, is Apple going anywhere? Probably not. It's probably not going to zero, but what if it does drop 50%? I don't want to lose that much of my money, right? So being mindful of that is key. I mean, growing up, I saw this, right? So my dad, you know, he followed the kind of mainstream advice to a T. He went and he got a degree. He got a great job. At first, he was with AT&T. AT&T, I think, then they acquired Lucent Technologies. I forget. So then he transferred over to Lucent Technologies and this is in the 90s. And his 401k, which again, this is like say in the late 90s, his 401k was right around $80,000 to $100,000 in a 401k, which, you know, that's, especially for, you know, say 1998, that's a really big Nasdaq that you've got, right? For him having three kids and everything. And so, but once the dot-com crash happened, I remember seeing my mom and him arguing all the time. And my mom was always saying, Ed, sell, just exit. And he's like, no, no, it's a good company and it's going to come back. And I think that his 401k drops from roughly $100,000 down to, I think, maybe $25,000 or $30,000. And Lucent ended up going to zero. You know, Lucent Technologies ended up just going completely defunct. So I saw what that was like to have their entire kind of savings just wiped out. And so, yeah, it's scary stuff. It's really scary because this is a lot of people's retirement. They're depending on this. And how do you recover from that, right? Not just the financial part, the mental toll of watching it drop and drop. And you're feeling helpless because when you call your financial advisor, they're like, oh, stocks do this all the time. Ride the wave. It's going to come back. And in the case of the Nasdaq, it took 16 years. But what if you don't have that time? Like, what if you need it next week to pay your bills? To me, that's terrifying. That's awful. And as a kid watching your dad, I mean, that's got to be, A, super painful for your parents, but also lets me know where your is on, hey, my retirement's not going to be in paper. It's in these chunks I can bury. That's it. So with all this and look what's happening in the market, I just want to be clear, you're not telling people just to go panic sell, right? No, gosh, no. No, no, no. Don't go panic sell. I don't want you to do that. What we do want you to do is be aware of what could be coming. And I know you do a great job explaining this, but just to kind of recap where we're at, record-high 10-year bonds. The real estate market's still inflated. We've got rates over 7%. Fed increased rates this last Wednesday. They said more rate hikes are coming. We've still got the out-of-control spending. Inflation's still staying high. That's why they're saying there's going to be another rate hike. You've got stock market near highs. The stock market's doing great. And I know if you're looking at your 401k, you're like, hey, it's pretty good right now. But it's struggling to keep going up. And so our goal is to encourage people to learn to read and understand the times, right? Like, Jesus even makes the comment, understand the times and seasons that you're in. Understand what is here, what's around the corner, and just prepare for that. Prepare for that. I mean, it's kind of the same thing looking at what's happening with diesel prices right now. Oh, that's scary, man. And, you know, I mean, I think it was maybe three or four months ago, I kind of saw some writing on the wall and things were already kind of going high. And so I went up and I filled up, I've got a tank, a 300-gallon tank that I used for my tractor. And so I bought 300 gallons of diesel. And at that point, I think it was, you know, a little over four bucks a gallon, which seemed like it was a little bit high, but now it's what, six, seven, eight bucks a gallon. And so again, it's reading, it's just paying attention. It's just paying attention. I mean, when you think about diesel and the ripple effect that's going to have, you're talking about increased food prices. You can't have transport going down the road anymore. Truckers, their price to actually move stuff has to go up, right? Like their bottom line has to go up. Companies aren't going to pay that. What they're going to do is they're going to pass that. Companies don't pay, they pass, right? They pass that cost onto us as consumers. And so everybody was scared. You know, eggs were 75 cents an egg, roughly. You could be seeing a dollar an egg. We could be seeing increases in milk prices. We could be seeing increases in any food, any commodity that has to be trucked as transport, which is still the largest and most effective way of transport. Now we may see trains come back a little bit, you know, maybe train moving stuff by train helps, but eventually trucking is still going to get hit. So the inflation there, Seth, is what, I mean, you're looking six months down the road, that inflation can be huge. Oh, I know. I mean, part of me thinks, is this part of some sort of plan to just replace trucking with robots, right? You know, we know that, you know, Elon's, you know, that he's building these self-driving semi trucks. You know, we were watching, it was interstellar, right? When you have all the, all the semi, all the trucks were just automated, which that's, you know, then it's like, okay, well, who controls where those trucks are going? What happens to all the small regional trucking companies, which that's a whole different rabbit hole. But, you know, kind of, so looking at just the stock market in general, obviously it's a, it's a crap show, right? I mean, and it really, it's like, it's like, it's like playing craps, right? You're just kind of throwing the dice. But it's not just completely ranks. I know that, you know, last year, you know, we talked quite a bit and you've got around 140 trades, but you had a 78% win rate with those trades. So it's not so random and such a gamble that you're just hoping that something's going to stick. So, you know, what's the average person, you know, what should they be doing differently, right? How do they learn to understand these mechanisms so that it's not fear the stock market and pull everything out and don't touch it, which is kind of my approach, you know, but you're, you're slowly changing my thinking on that. But what do people do to approach this differently, especially if they've got a lot of their money sitting in a 401k, which is someone else just saying, Hey, just buy and hold, buy and hold. This is one reason that we host these free webinars because the overwhelming feedback we get from them is how simple this really is to learn. I like to tell people trading and reading charts is a learnable skill, like using a hammer to drive a nail. Anyone can learn this if they want to. And so we do our best to simplify that and have it be fun and enjoyable. Now it's finance. And so finance can be boring, but I'm a goofball. We try to have fun and everything that we do. And obviously when people make money, that helps the process of fun. I've never met anybody that didn't like, you know, pushing some buttons and making some money. Like Christine, we had a student, um, came to one of these events, I think from you and she made $6,200 in a single month using what we're showing and teaching. I mean, that's real money. And so looking at that, as far as doing something different, your life changes with what you feed your mind. Education is huge. I'm constantly listening to audio books, educating myself just to be better, just to be better. This is why I read scripture. It challenges me to be better. And so if I want to become a different person, I've got to put something in to help me get that. That's what we want to do. That's true. And so I know, so I know that you do a lot of training, right? So actually you've, you've got an event coming up, which, which I touched on in the intro to the show, but you've got a, a treat and training summit coming up, uh, September 24 and 26, and these are free. And so then the links in the description to kind of reserve your seat for that, which I recommend people should. Um, but I've, I've, I've was on one a few months ago and I know so that it's not just like, okay, here's some tips and tricks, but you actually even call out and you'll say, Hey, here's some big trades. And so I know that there's two that you made two stocks. You called out that made 25 and 30% gains in a few weeks, right? Like what was it? Bloom energy and IBIT, right? Yep. So Bloom energy, uh, we actually, actually piggybacked that off Nancy. Cause we heard Nancy got into that. And so anytime I Nancy Pelosi, yeah, yeah, yeah. I'm sorry. Her husband got into it. Cause remember she doesn't do it. Oh yeah. Yeah. It's her husband that does it. And we, we saw that come out and anytime I see that I go look at the stock and be like, okay, is this in a goodbye point? Cause I don't just blindly follow insider trading. I like to look at it and put it with our system. And so we did that. We saw a really nice setup and that one actually popped, um, went up about 30% in six days. I mean, it just took off. Um, but it also was added to the S and P which gave it fuel, right? The second one, I bet that was a call that we put out because of Bitcoin. And so I bet IBIT actually is an ETF that follows Bitcoin. And so it, it follows percent for percent. So we gave those out and, um, you know, just coming to the summit, we try to do that when we see the opportunity, because, you know, you, I live in Florida, we go to the beach. There's times where you can actually surf the Gulf in Florida. It's rare, but when you see those things happen on a specific date, you got to take advantage of it. Right. And so we, we try to do that for people when they attend. And, you know, you mentioned it, we call it the freedom trading summit. And the main reason that we do that is because in John eight, Jesus makes a statement. He says, you'll know the truth and the truth will set you free. And so in the Matthew effect, I have this quote and I say, if it's the truth, you know, that sets you free, it's the lies you believe that keep you bound. And so many people have these false beliefs around the stock market. What we want to do is help break those beliefs, give you empowering beliefs so that you can begin to engage it. Then we show you our system, how you read stocks, understand charts, look at buying sell points, minimize your risk. And it all takes about two hours to go through all of it. Okay. And I can say I've been on there and you are, yeah, you are a goofball and I can, I can say it because I'm also a goofball. Like I've got a whole book of dad jokes and I'm always refreshing my thoughts on. So it's okay. So this summit is coming up. It's September 24 and 26. It's free. Right. And it's about two hours, whichever one. And am I correct that even, so the summit itself is a live one where people are asking questions, you're constantly engaging with them. But if someone say is working or traveling, if they can't attend, if they reserve their seat, do they still get access to it? Can they still go back and watch what you went over in that? Yeah. Great question. So it is live both days. So I'm there with you both days, me and my team. We answer your questions at the very end of the event. We'll answer everybody's questions. And if you miss it, or you have to bail out early, right? You're like, man, this is really intriguing. I want to do more, but mark two hours. I can only give you an hour. You can watch the replay at your convenience. And so we actually email the replay out. You get to watch it. It's up for a limited time. Um, and we have people set that go through the replay two or three times because we give so much meat and content on this thing. And I can, yeah, I've been there and I can say that that's true. And I was, I was learning things that now again, kind of disclaimer, I've basically ignored the stock market most of my adult life, probably because I saw what happened as a kid. And, um, but I feel like that what you do is you, you're, you're kind of stripping away. Um, you're stripping away the, a lot of the confusion, which I think is very intentional and really, you know, you're the truth will set you free. And that, that really is the sense I get with that. So, um, I encourage people, I highly encourage people. The link is in the description, reserve your seat. It's genuinely free. You'll, you'll come away with a lot of information. We'll come with some good stock picks. Uh, it's fun. So again, if you have the time and if you don't have the time, still sign up and reserve your seat ahead of time. So you can at least get access to that. Cause if you can find time to watch my boring podcast, you can find time to watch his boring stock presentation, which I actually is not boring. It's actually a lot of fun. Just like my podcast is fun. But anyway, highly, highly recommend it. The link is in the description. Make sure you go and sign up for that. So Mark, man, obviously it's great talking to you. I thank you for what you're doing. Um, I encourage people to check out your summit and again, yeah, thanks for your time. That has been always wonderful speaking with you. Of course, man, it's a pleasure to be on here with you. And I really enjoy, I honestly really enjoy our pre-chat and post chats more than the interview sometimes. Cause it lets me know what you're doing with everything that you guys are building, what you're creating. So thank you for having us. You're very, very welcome, man. Take care and God bless. You too. So I hope you enjoy that discussion. And here's my takeaway from this. Okay. We've got trillions of borrowed money data centers that are financed on private credit. And the same people who spent this years telling you that this technology is going to change everything are now going to DC and saying, Hey, please, please slow it down. I don't think they're afraid of the machine they're building. I think they're afraid of the cost of it and they're afraid of being forced to pay for that bill. And so while they're in those rooms, wall street is quietly working to put the private assets funding this AI boom into ordinary people's retirement accounts, right? Your 401k, your neighbor's 401k. But at the exact same time, the social security trust fund is, is projected to run dry by 2032. Right? So that's also not good. So you got to ask yourself, the only question that really matters here is who gets stuck with the upside of this and who gets stuck with the bill. You can't vote this away. Nobody's going to put the private credit market on a ballot, right? What you can do is just stop being a passenger with your own money. So Mark is running his free training on September 24 and 26. Now in this training, you can learn how to take back control of your financial future. So click the link in the description. There's also a QR code we'll throw up on screen. And again, it costs you nothing. You get completely free knowledge. And he's also giving away a free digital copy of his book just for showing up. So I think that you should do it. So if you do one thing after watching this video, just do that one, go on there, join, sign up the link for the link. It's free. If you miss it, you'll get a free, you can watch a replay of it for free because the people that are building this thing are counting on you doing nothing at all. Watch what they're doing and not what they're saying.