Name: How To Escape The Rat Race (The Money Game That School Never Taught You)
Uploaded: 2025-10-21T04:38:17.000Z
Duration: 10 min 32 s
Description: Thousands of YouTube videos with English-Chinese subtitles! Now you can learn to understand native speakers, expand your vocabulary, and improve your pronunciation...

This is how most people play the game of money.

Participle clauses

Sacrificing pawns, obsessing on the small moves, but real wealth.

It's about moving pieces that actually change the game.

Because while most people spend their lives reacting, the wealthy are playing to win.

And the worst part, Nobody ever taught you the real rules.

You'll stay in the job that you pick for the rest of your life.

We are one of the wealthiest nations in history, and yet, still seemingly, no one has any money.

In 2016, a lottery winner named David Lee Edwards, who walked away with $27 million in winnings, was found living in a storage unit, penniless, battling addiction.

He had gone from instant multi millionaire to broke in less than a decade.

Six figure earners are living paycheck to paycheck.

Celebrities file bankruptcy after careers worth hundreds of millions.

People are financing their doordash orders.

This is not just a story of bad luck or greed or poor judgment.

A game of money that has rules most people were never told.

Rules that quietly separate those who play to survive from those who play to win.

And unless you learn the rules, you'll spend the rest of your life running harder and harder in a race you are never designed to finish.

Schools, and the systems are basically prisons.

They keep kids locked up physically and mentally and prepare them for jobs that are basically prisons until they retire and go to a nursing home, their final prison.

So in this video, let's pull away the blindfold.

I'm definitely not in the rat race now, but I used to be.

I worked in corporate jobs in cubicles with padded walls at Goldman and State Street.

I had a job where I had to clock in and clock out every time I went to the bathroom at Vanguard.

But we're gonna expose why you were never taught the real game of money and how the system is structured and what you can do today to stop playing as a pawn on the board and start becoming the one making the rules.

The illusion of the rat race most people's financial lives look like.

Go to school, get a job, earn wages, spend them on expenses, repeat.

The cycle is so deeply ingrained that we don't even question it.

Every raise is matched by a new expense, every windfall canceled by a new debt.

The faster you run, the more exhausted you get, and you never actually move forward.

A survey found that 78% of American workers live paycheck to paycheck.

But what is even more shocking, even among people earning over $100,000 a year, one in 10 are still broke at the end of every month.

The answer lies in what I call the consumption trap.

This is what stops you from becoming rich.

You earn money, you start motoring, but every time you get it, you spend it.

So you're forever stuck in a cycle that never has an end.

you'll hear some version of It's a medium of exchange, but that's not very useful.

A better way to think of it is money is stored value.

You exchange money for something because you believe its value is equal to the dollars you gave up.

From an early age, we are conditioned to see money not as stored value, but

Good grades, good job, paycheck expenses.

Entire economies are built on this cycle.

Advertisers fuel it, Credit cards lubricate it, social media amplifies it.

And it creates a culture where our worth is measured by what we consume.

The car we drive, the shoes we wear, the vacations we post online.

Because if you didn't buy stuff, everyone would be out of a job and no one would have any money.

Wait, so I have to work for the rest of my life to pay for stuff that I don't want just so everyone else can suffer the same horrib?

At best, managing your consumption keeps you from falling apart.

At worst, it chains you to debt, anxiety, and financial fragility.

That's why high earners aren't even safe.

62% of people making over $300,000 a year still struggle with credit card debt.

And why millennials now fear debt more than death itself.

66% of us say we're more scared of running out of money than dying.

Because in the consumption trap, your entire financial life is defined by what goes out.

And unless you break out of that paradigm, you'll never have anything left over to build with.

Part 3 Defense wins games, but not championships Let me be clear.

But remember, the master was once a beginner too.

So you start Like a snowball down the hill.

Out of its total weekly income, Jack's family allows so much for food, household clothing.

Each part of their regular expenses is allowed for in the budget.

Three to six months of expenses, that's the minimum.

A proven savings framework for every paycheck.

The rule is you give 50% of take home pay to essentials only, things you need.

30% to discretionary spending once and 20% directly to savings.

So you're spending most of what you earn on your housing, food, utilities.

You're spending 30% on entertainment, dining out, hobbies.

Because what should really scare you, and

what scares me, is having to go work a normal job, a job I hate, where you take the subway every single day and a commute that feels like you're wasting time to a place where you like nobody that you work alongside doing things that don't stimulate you or inspire you.

Subtitles ListPlay Video

How To Escape The Rat Race (The Money Game That School Never Taught You)

stuff

mindset

average

consumption