Tom Bilyeu's Impact Theory

The Same System That Crashed the Economy in 2008 Is Running Again — And It's Already Inside Your Retirement Account | Tom Bilyeu Deepdive

On this episode of Impact Theory with Tom Bilyeu, we dive deep into the alarming parallels between the 2008 financial crisis and potential dangers lurking within today’s financial system. Tom Bilyeu takes us on a revealing journey behind the scenes of Wall Street’s $2 trillion “shadow banking” industry—private credit—unpacking how its rapid, unchecked growth could put your retirement and the broader economy at serious risk. Drawing connections between the past and the present, Tom exposes how risk is stealthily moved through the financial system, ultimately landing on the people least equipped to handle it: everyday investors. From the collapse of mortgage-backed securities in 2008 to today’s opaque world of private credit, this episode breaks down how sophisticated financial products are being packaged, sold, and distributed—often without true oversight or public understanding. Tom reveals why recent shocks in private credit funds should serve as a wake-up call, and provides listeners with a practical framework to identify, trace, and potentially sidestep the “risk waterfall” cascading through our economy. Whether you’re a seasoned investor or just looking to protect your savings, this episode is an urgent and eye-opening guide to navigating a financial system that seems intent on shifting risk away from the powerful and onto the rest of us. Buckle up as Tom pulls back the curtain on how wealth flows, who wins, who loses, and—most importantly—how you can take back control. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu’s Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactSumm: code TOMVIP20 for 20% off your first year at https://summ.com?via=tombilyeu&coupon=TOMVIP20Blocktrust IRA: get up to $2,500 funding bonus to kickstart your account at https://tomcryptoira.comQuo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactQuince: Free shipping and 365-day returns at https://quince.com/impactpod Duck.Ai: Protect your privacy at https://duck.ai/impact Monetary Metals: Future-proof your wealth at https://monetarymetals.com/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom private credit, shadow banking system, financial crisis, pension funds, retirement accounts, 401(k), payment in kind, risk waterfall, money printing, inflation, systemic risk, bank runs, Basel III, structured finance, subprime mortgages, Blue Owl Capital, BlackRock, distressed assets, illiquid investments, capital calls, default rates, AI disruption, debt restructuring, wealth transfer, executive order, public markets, sovereign wealth funds, credit default, asset bubbles, modern monetary theory Learn more about your ad choices. Visit megaphone.fm/adchoices

"Trump Bombing Iran Just Increased Nuclear War Threat" The Terrifying Reality Andrew Bustamante Pt 2 | Impact Theory W Tom Bilyeu

Welcome back to Impact Theory with Tom Bilyeu. In this riveting part two episode, Tom sits down with former CIA agent Andrew Bustamante for an unfiltered, real-time analysis of today’s shifting geopolitical landscape. Together, they pull back the curtain on the fog of war, diving into recent events in Iran and the Middle East, the secrets of intelligence agencies, and the powerful interplay between economics and foreign policy. From dissecting propaganda and disinformation to exploring how institutional trust has eroded in the digital age, Tom Bilyeu and Andrew Bustamante don’t shy away from tackling the tough questions. You’ll hear their candid takes on the true motives behind global actions, the limits of what outsiders can really know about other cultures, and why economic interests underpin so much of international strategy. Whether they’re talking about the intricacies of espionage or the economic forces fueling world powers, this conversation is equal parts insightful and provocative. Get ready for a deep dive that will challenge your perspectives on leadership, legacy, and the future of global stability. If you’re ready to see beyond headlines and surface narratives, this episode will leave you thinking long after it ends. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu’s Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactSumm: code TOMVIP20 for 20% off your first year at https://summ.com?via=tombilyeu&coupon=TOMVIP20Blocktrust IRA: get up to $2,500 funding bonus to kickstart your account at https://tomcryptoira.comQuo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactQuince: Free shipping and 365-day returns at https://quince.com/impactpod Duck.Ai: Protect your privacy at https://duck.ai/impact Monetary Metals: Future-proof your wealth at https://monetarymetals.com/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom Impact Theory:Want to learn more from Andy?Find your Spy Superpower: https://yt.everydayspy.com/4asJ7ZhRead Andy’s CIA book ‘Shadow Cell’: https://geni.us/ShadowCellBook Follow Andy on YouTube: https://youtube.com/@Andrew-BustamanteExplore Spy School: https://everydayspy.com/ Support Andy's sponsor Axolt Brain: https://axoltbrain.com/andyListen to the podcast: https://youtube.com/@EverydaySpyPodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

EMERGENCY PODCAST: Ex-CIA Spy Andrew Bustamante Breaks Down The Iran War | Impact Theory W Tom Bilyeu

Welcome back to Impact Theory with Tom Bilyeu. In this powerful episode, Tom sits down with former CIA covert operative Andrew Bustamante to pull back the curtain on the turbulent state of global affairs. With the Iranian war in full swing and military strategies playing out in real time, Andrew gives listeners an insider’s perspective on what’s really happening behind government narratives, intelligence reports, and international influence campaigns. Together, Tom Bilyeu and Andrew Bustamante dissect the headlines—from conflicting stories about Iran’s nuclear ambitions to the real motivations behind recent US military actions in Iran and Venezuela. Andrew explains how threat assessments are compiled within intelligence agencies, reveals why classified and public narratives often diverge, and offers a candid take on the legacy politics at play in the current administration. But the conversation doesn’t stop at geopolitics. The two dive into the evolving role of artificial intelligence in modern warfare and intelligence gathering, discuss the ethical and strategic dilemmas posed by autonomous weapons, and examine the shifting alliances that could define the future balance of power between the US, China, Russia, and the rest of the world. If you’re looking to understand the forces shaping global conflict today—and what might be coming next—you won’t want to miss this episode. Stay tuned as Tom and Andrew bring clarity to chaos and lay out the possible paths forward in this era of uncertainty. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactSumm: code TOMVIP20 for 20% off your first year at https://summ.com?via=tombilyeu&coupon=TOMVIP20Blocktrust IRA: get up to $2,500 funding bonus to kickstart your account at https://tomcryptoira.comQuo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactQuince: Free shipping and 365-day returns at https://quince.com/impactpod Duck.Ai: Protect your privacy at https://duck.ai/impact Monetary Metals: Future-proof your wealth at https://monetarymetals.com/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom Everyday Spy, ex CIA spy, CIA insider, ODNI threat assessment Iran, Iran nuclear threat truth, influence literacy CIA, US Iran war 2026, Operation Midnight Hammer, Khamenei assassination, Title 10 Title 50, CIA covert action, Netanyahu influence, CIA under Trump, CIA under Biden, Palantir CIA, AI warfare CIA, Anthropic Pentagon, OpenAI Pentagon deal, AGI risk, World War 3 already started, Iran war analysis, burden sharing doctrine, peace through strength, China Taiwan 2027, KMT Taiwan parliament, China vs America, CIA intelligence Iran Israel, Iran nightmare scenario, dirty bomb threat, Russia Iran proxy war, CIA declining power America, Learn more about your ad choices. Visit megaphone.fm/adchoices

Jack Dorsey Fires Half His Company for AI—And Why You’re Next + World on Edge, Iran, Israel & More | Tom Bilyeu Show Live

Welcome to Impact Theory with Tom Bilyeu! In this high-energy episode, Tom Bilyeu and co-host Drew dive headfirst into the seismic shifts happening across tech, business, politics, and culture. Kicking things off with a breakdown of Jack Dorsey’s dramatic AI-driven layoffs—where half of Block’s staff was cut because AI simply became too powerful—Tom Bilyeu lays out why this is a shot heard around the world. Expect a rapid-fire update on groundbreaking headlines: from AI hacking governments and overhauling finance, to AI-written sermons landing priests in hot water with the Pope. But it’s not all tech talk. The conversation expands to explore how AI advances are fundamentally reshaping the job market, with real ramifications for unemployment, entrepreneurship, and even the future of society. Tom Bilyeu and Drew debate whether we’re headed toward a new wave of prosperity or staring down socioeconomic upheaval. Politics are front and center too, including analysis of bold diplomacy moves, the housing crisis, and a no-holds-barred criticism of performative government antics like congressional dog shows. Plus, the hosts tackle pressing global issues such as growing Middle East tensions, media consolidation, censorship, and fresh developments in the Epstein scandal. Always candid, sometimes provocative, Tom Bilyeu brings sharp insights into the exponential speed of change and what it means for all of us. Strap in for actionable takeaways, unfiltered opinions, and a preview of the complex future we’re all rushing toward—whether we’re ready or not. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu’s Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactSumm: code TOMVIP20 for 20% off your first year at https://summ.com?via=tombilyeu&coupon=TOMVIP20Blocktrust IRA: get up to $2,500 funding bonus to kickstart your account at https://tomcryptoira.comQuo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactQuince: Free shipping and 365-day returns at https://quince.com/impactpod Duck.Ai: Protect your privacy at https://duck.ai/impact Monetary Metals: Future-proof your wealth at https://monetarymetals.com/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom AI layoffs, Jack Dorsey, Block layoffs, AI impact on jobs, Anthropic, Claude, US-China relations, Israel-Iran conflict, layoffs and the stock market, programmer job growth, automation, universal healthcare, affordable housing, Mamdani and Trump meeting, SAVE Act, congressional dog show, US economic outlook, K-shaped economy, job market disruption, deregulation, rent control, Epic Games, creative AI tools, entertainment industry consolidation, Warner Brothers acquisition, Paramount, Thomas Massey, Epstein scandal, South Park censorship, World Economic Forum resignation, AI surveillance Learn more about your ad choices. Visit megaphone.fm/adchoices

America’s Housing Crisis: Why You Can’t Afford a Home, Supreme Court Blocks Trump Tariffs, Democrats Hand Trump a Midterms Ad | Weekly Recap

What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu’s Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactSumm: code TOMVIP20 for 20% off your first year at https://summ.com?via=tombilyeu&coupon=TOMVIP20Blocktrust IRA: get up to $2,500 funding bonus to kickstart your account at https://tomcryptoira.comQuo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactQuince: Free shipping and 365-day returns at https://quince.com/impactpod Duck.Ai: Protect your privacy at https://duck.ai/impact Monetary Metals: Future-proof your wealth at https://monetarymetals.com/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom Link To The Live: https://youtube.com/live/3Fag1CUUiWk?feature=share Drew sets the stage by highlighting why young people are swinging toward socialism, pointing to skyrocketing home prices and tax policies that feel disconnected from their lives. Tom Bilyeu dives deep, explaining how economic dynamics shape innovation and wealth—drawing lessons from China's history and why incentivizing the brightest minds matters for the middle class. The discussion turns to alarming statistics: home prices have soared beyond affordability, locking average Americans out of the market, with the median home costing far more than most families earn. Link to Live: https://youtube.com/live/lxFoKXKR-xk The Supreme Court shut down Trump! Tom Bilyeu and Drew unpack the 6-3 decision that struck down President Trump’s authority to unilaterally impose broad tariffs under the International Emergency Economic Powers Act—a move that has massive implications for international trade, the balance of power between the executive branch and Congress, and the potential for a new wave of lawsuits from companies impacted by these tariffs. Link to Live: https://youtube.com/live/pSp9yK_5gkA?feature=share Tom Bilyeu and Drew dive into the aftermath of the most recent State of the Union address—a night described as more divisive than inspiring. Together, they dissect key moments from the event, exploring why political discourse has lost its motivational spark and become a battleground of partisan theatrics. Whether you’re frustrated by today’s political climate or searching for insight on how our leaders shape national identity, this episode unpacks the spectacle, the substance, and what’s truly at stake for the average person. Stick around as Tom Bilyeu and DREW challenge the narrative, push for clarity, and remind us why inspiring leadership—and honest conversation—still matter now more than ever. Learn more about your ad choices. Visit megaphone.fm/adchoices