Middle Class Is the New Poor, The Game the Rich Play Instead

Published Apr 26, 2025, 9:29 PM

Middle class is the new poor. Yeah, I said it. Today, it’s not just minimum wage workers struggling to get by. Even Americans making over $200K are living paycheck to paycheck. No time. No freedom. No wealth. Why? Because they’re playing the wrong game. In this video, I’m going to show you how the rich play a completely different game— One that builds real wealth, buys back their time, and creates freedom while the rest of the world grinds harder and gets nowhere. And here’s the kicker—this isn’t about how much you make. It’s about the game you play, no matter your income. Real quick—I’m Mark Moss. I’ve built and sold multiple tech companies, invested through multiple boom and bust cycles, And today I’m a partner at a top Bitcoin Venture Fund and an advisor to public tech companies. I also publish the Quantum Wave Investment Report to help investors stay ahead of the biggest shifts in tech and money. So let’s break down the game the wealthy are actually playing. Why the middle class is quietly being crushed. And how to switch sides—before it’s too late. Let’s go.

Middle class is the new poor. Yeah I said that. Now today it's not just minimum wage workers that are struggling to get by, even Americans making over two hundred thousand dollars a year or living paycheck to paycheck, no time, no freedom, no wealth. But why because they're playing the wrong game. So in this video, I'm going to show you how the rich play a completely different game, one that builds real wealth, buys back your time, and creates freedom while the rest of the world grinds harder and gets nowhere. And here's the kicker. This isn't about how much you make, It's about the game that you play, no matter what your income is. Now real quick on Mark Moss. I've built and sold multiple tech companies, invested through multiple boom bus cycles, and today I'm a partner at a top bitcoin venture capital fund. I'm an advisor to public tech companies. I publish the Quantum Wave Investment Report to help investors stay ahead of the biggest shifts of tech and money. So let's break down the game the wealthy are actually playing while the middle class is a is quietly being crushed, and how to switch sides before it's too eight. So let's go, all right, so let's fix this big problem. But let's understand what it is first. Now, first of all, lots of people making a lot of money are still living like they're broke. They're rich, but broke. There's a difference between rich and wealthy. Now. It started from this tweet that I put up the other day and it was just like this off the cuff tweet where I said, you don't get rich from revenue, and I posted a news article that I had just seen. It got like over one hundred and twenty six thousand views. So I thought, let me explain and unpack what this is, but more importantly, how we can fix this, like right now, like why are we dealing with this? Okay, So you don't get rich from revenue, That's what I said. So it doesn't matter if you make fifty grand a year or one hundred grand a year or even two hundred grand year or whatever. You can be rich as in, make a lot of money and you can still be broke. High income is not enough. That's why we can see sixty percent in America, sixty percent, more than half of people that make more than six figures are living paid check to paycheck they're broke. And the reason why isn't because how much money they make twenty grand, fifty grande hundred grand, two hundred grand. It's because everyone is playing the wrong game. Everyone's thinking about how much income I can make, learn new skills, get a new job, make more money. But they're playing the wrong game. You don't get rich from revenue. What you get rich from. What you get wealthy from is playing the right game, regardless of the amount of income that you make. So how do we do that, Well, let's start by talking about three money mindsets. All Right, You're going to find yourself in one of these and you'll quickly figure out what you need to do to move. So the difference of the money mindsets is how they play the game. We're all playing a game. Now. If I came over to your house with like a bunch of board games. Let's say I brought a board game over to your house and you've never played this game, You've never heard of it, never seen it. You'd you'd say, I'd say, hey, let's let's play this game, and you'd be like, well, what's the game, what's the objective of the game, what are the rules of the game. What's the mechanics of the game, what type of strategies? How do you win? All these things you'd want to know about the game. Now, if I've been playing the game for a long time and you've never played it, you would think that I would have some tips and tricktions for strategies, some hacks, some cheat codes that you wouldn't know about, right, And that's how life is. Life is a game. What is the objective? What are the rules? What are the mechanics of the game. Who are the players? And are people that are ahead of me? Do they have tips and tricks and cheat codes and hacks that I don't know? And we can identify this by how we play the game, specifically around income, the revenue assets, and how we use credit. Those three things are really big pieces of how we play the game. Now, there's more to it, but these three things are going to break it down for you. Number one, the first level is a poor mindset. Now I say mindset doesn't matter if you're making five dollars an hour, ten dollars an hour, or ten thousand an hour. It's a poor mindset of poor mentality. The poor they work to pay their bills, they work to live. I am working really hard, working over time whatever to get enough money to pay for the rent and my medical bills and my student loans and all those things I have to pay just to live. But the problem is even that isn't enough to live. So then not only is my work my income my revenue going to live on top of that, because it's not enough, I have to use credit in order to afford more things. I can't afford. My income, even if I work overtime and I take tips or whatever, it's not enough to live. So now I'm augmenting my income with credit, using credit to afford what they can't afford. Another problem with this, of course, is that you're just digging yourself deeper in a hole. As that credit grows, more of your income is going to pay the credit. And so that's the big problem. Now in this you're in this scarcity loop because you're not making enough, your credit's are going up. Your more and more is going to pay off the debt. And unfortunately, for people in this mindset, money equal stress. You think about stress that way, or you think about money that way, you get stressed out. Just think about it. You don't want to look at it. Maybe you don't wan look at your statements, you don't have conversations with your spouse or whatever about that, and really it's all just about survival here. Okay, Now this is a mindset. It's not about how much money you make. Sixty percent of people making over six figures are living this way. Okay. Now on top of that, we have the middle class mindset. This is number two. Now, the middle class mindset are the people making over six figures but still living paycheck to paycheck. They also are in sort of the same loop. It's a little bit different. Number one. They make decent income, so now they're making more than six figures, often six figures, but they're also still working to pay their bills. They're working. The money they're earning is going to pay for their lifestyle. It's a little bit different now because they make enough to pay for their lifestyle. So instead of using credit to pay for their lifestyle that they can afford, they're using credit to improve to upgrade their lifestyle. So to buying the bigger house, they're buying the bigger the car. They're sending their kids to private school, and so now they're using credit to upod that life. The problem is for these people in this middle class lifestyle, the sixty percent making more than six figures, they're still trapped in this system. They're still living paycheck to paycheck. If you're living paycheck to paycheck, you're a slave. What does that mean, Well, a slave can't quit their job. A slave has to work, right, And so if I don't have money saved up, if I'm living paycheck to paycheck, what if my bosses really mean to me? What if I'm doing something I hate? I can't afford to quit. I can't go live for a few months until I get another job and get back up to speed. So I'm stuck. I'm a slave. So middle class mindset is still in the same loop, and they use credit in the wrong way. A little bit different, but basically the same way. They think they're winning though, you see, because they think they're gonna get rich from revenue. I make one hundred grand, I make two hundred grand. I'm winning, but I'm still living paycheck to paycheck. They're playing the game wrong. That's the whole point. It's about the game. Have you ever played the game Monopoly? You know that there's prime real estate that you should buy it costs a lot of money, and there's cheap real estate that you can buy with a little bit of money, and you know you could still win with a little bit of money. As a matter of fact, one of my favorite games is to play I shouldn't say it's my favorite game, not the most fun game in the world, but I've played it a lot with my kids. Is the game cash Flow from Robert Kiyosaki. If you play that game once a month, it will change your life. Now what I would do with my kids is I'll say I will take the lowest paying job, you take the highest pain job, and I can still beat them every time. Because it's not about the revenue. It's how you play the game. If you want to learn it, go play that game. Actually, I'll put a link to it in the show notes down below. Shout out to Robert Kiyosaki, one of my good friends. Okay. The third type of mentality is the wealthy mindset. This is where we want to be. Whether you make ten dollars an hour or ten thousand an hour, it's the mindset of how I approach the game. So in this case, you're working not to pay for your life. You're working to buy assets, you don't buy a liability assets and then what you do is you use the assets to pay for your lifestyle. Hey, small business owner, are you buried in all types of work keeping you from the real thing that makes you money? Well that's where just Works comes in. They're the all in one platform that supports small business growth. You can get all their tools that help with benefits like payroll and HR and compliance with transparent pricing. Now they help you hire top talent internationally, internew markets, quickly scale international operations without the workload and forevery how do I do it? Question? You can reach out to their expert staff from sole proprietor or a team of twenty. Just Works empowers all kinds of small businesses with real human support. So visit justworks dot com, slash podcast to join the thousands of small businesses that trust just Works to take care of payroll, benefits, compliance and more. Again, that's Justworks dot com, slash podcasts. So that's how that's the reason that we work. That's how we think about the income that we make. But then how we use credit is also different. So we use credit strategically to get leverage and more specifically you ever seen somebody like really rich and then you go, why are they using credit? Don't they have the money for that? I thought they are wealthy. The reason why the wealthy use credit is not because they don't have the money. They use credit because it's cheaper to use someone else's than it is their own. Now, a lot of people when I talk about, oh, well, let's let's borrow against our bitcoin and then we'll use that bitcoin to get tax efficiency, and people say, isn't that risky? What if I can't afford the payments? And that's because they have a poor mentality. You see in a wealthy mentality, you're not borrowing because you want to buy things you can't afford. I have the money, I just use it because it's cheaper. My money is making ten percent, fifteen percent, thirty percent, so I'll borrow at five it's cheaper. So we use it differently, we use it strategically, and we have sin systems that produce wealth. Now, some of you are like, yeah, that's really cool, Mark, but I make ten bucks an hour, twenty bucks an hour, I can't afford to do this. You can start. It's not about I need to be at the end result today. Could I get there over one year, five years, or ten years. It's the mentality. It's how you think about the game. It's not about how quickly you complete the game. Does that makes sense? Back to the game cash flow. I could take the lowest pain job that's available and I'll still beat my kids with the highest pain job because of how I approach the game. So we really want to learn how the wealthy play the game now real quick. I want to let you know next week I'm going to do this live presentation probably like an hour where I'm going to go super deep and to show you the exact game they play. I'm going to give you a three part framework that you can put into your life right away. I'll give you the details, a couple of tools that I've made, and then we'll stick around. We'll do live q and A so I can show you exactly how to apply it to your own life and your own investments really quick. So if you want, there's a link down below, or put a QR code on the screen and it's completely free. Come hang out, get the tools, ask the questions, and let's learn how to play this wealthy game. But let's keep going. So the wealthy play the game different. First thing we have to understand is not a money problem. It's a velocity game. It's not a money problem. It's a velocity game. It's a speed game. So what do I mean by that. Let's say that you make over the next twenty years you can make a million bucks. A million dollars divided by twenty years isn't that much money. But what if you can make a million dollars in five years, Well, it's not not bad on a grand a year. What if you can make a million dollars in twelve months. What if you can make a million dollars in one month. What if you can make a million dollars in one week? You see, So it's not the amount of money, it's the speed in what you make it. It's the velocity. So in the game, in the game of building wealth, we want to get the money moving faster. So obviously, yes, make more money, but then how do we take that money and move it along faster? And the wealth they get it going fast, and they do it in layers. So building wealth is a game of how fast you can make dollars move through the right system. So, for example, Dave Ramsey says, save safe Safe, don't use credit. Save safe save, put your money into like a mutual fund. Now, your mutual fund's going to pay six or eight percent. So I make one dollar, I put that into a mutual fund making six to eight percent one dollar doing one job. Okay. What the wealthy might do is they'll take one dollar, they'll put it into like a high cash value life insurance plan and make five percent, which is less. But then they can take that dollar out and put it into a piece of real estate that may only also get six to eight percent return, but I might also get tax write offs, and I might get leverage from my loan, and I might get appreciation all those things, and then I can take the money out of that, and then I can put it into bitcoin. And so I can get one dollar doing one job, two jobs, three jobs, one dollar doing four jobs, velocity doing it through layers. That's how it works. Okay, So I should just say real quickly, part of playing the game is understanding the mechanics of the game. And some of those mechanics of the game are the penalties that we have in the game. So, for example, in this game of building wealth, two things in the game steal our wealth. Number one, taxes, so we have to learn how to work around that. I showed you when I build wealth and layers, I get around the tax pub The second piece of the game that steals our wealth is inflation. As they continue to print more money, it continues to erode our purchase in power. That's why the game is rigged against you. It shouldn't be this way, but it is. So you can worry and you can cry, and you can feel like a victim because the game is rigged against you, or you just learn how to play the game and use it to your advantage. So it shouldn't be this way, but it is. Your money buys you less and less and less goods and services in the future, which is why we have to do something about that. Working harder doesn't keep up. So when you think about the revenue side, I need to learn new skills, are gonna get a new job. I gotta work overtime. I gotta make more money. But that's not going to get you there. The fail is that if we just diversify and we just save, we can get there. Not in this rig game. It won't your parents' generation, your grandparents' generation at worked, but people are still believing that same thing without realizing that the game is changed and the game is rigged against you. Okay, so we want to play the game that the wealthy play, no matter how much money we're making. Back to the game cash flow, I mean choosing the lowest paying job. It's how we play the game. How do we do that? Number One, we stop chasing income. Of course, try to get your income up, don't misunderstand that. But we want to start buying assets. Now buy a dollar worth of bitcoin, by fifty dollars worth of equities, like start small. Just start buying assets, because you have to start playing the game. You can't win a game you don't play. Number two, you have to shift your thinking. Go from an employee mindset to an investor mindset. Instead of thinking and using words like spending time, I spend time doing this, think about investing. I invest my money because I expect to get more of it back. I invest my time because I expect to get more of it back in the future. We should also be using tools wealth tools, tools like leverage, learn how to use debt learning, how to use tax optimization, so we keep more of what we earn, how to get the velocity, how to use our money, how to get our money moving faster, and like I said, ultimately we want to start with what you have now. Wealth isn't about working harder, It's about playing the game properly. Now, if you'd like to see me break this entire thing down into a three part framework that I have, I'm gonna do about maybe i'll do a full presentation on it next week. I'm gonna put a link down below. It's going to be free. I'll go super in depth on how to use this three part framework in order to play this game in the fastest amount of time. Is completely free. Let me show it to you, let me give you the tools that you can do this, and then we'll do some live Q and A. You can ask me any questions so we can make sure it can fit your specific examples and specificity. Okay, there's a link down below. It's totally free. Come sign up, I'll see you there. Otherwise, you might be interested in watching this video right here on layering your wealth, and that's what I got right to your success. I'm out

The Mark Moss Show

Welcome to The Mark Moss Show—where we break down the old-money system and equip you with the new mo 
Social links
Follow podcast
Recent clips
Browse 617 clip(s)