The Once-In-A-Lifetime Crash No One’s Ready For (Worse Than 2008?)

Tom Bilyeu's Impact Theory

Impact Theory

Education, News, News Commentary, Philosophy, Technology, Society & Culture, Business, Self-improvement

4.7 • 5.1K Ratings

🗓️ 10 November 2025

⏱️ 41 minutes

🔗️ Recording | iTunes | RSS

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Summary

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 In today's episode, Tom Bilyeu takes us on a gripping journey through the current state of the global economy, sounding the alarm on what he calls the "everything bubble." He draws parallels between the 2008 housing crisis and our present moment, but warns that this time, it's not just housing—it's stocks, real estate, crypto, commodities, and even collectibles, all propped up by years of cheap, printed money. With bold insights and clear data, Tom Bilyeu unpacks why the relentless expansion of debt and money supply has pushed our financial system to the edge, and how compounding interest is the “final boss” no one sees coming. You'll hear why traditional solutions like money printing and taxation may not be enough, and what history tells us about societies with runaway debt. Plus, he lays out practical strategies for adapting and thriving—no matter what the future holds. This episode is a must-listen for anyone who wants to understand the complex forces at play behind the headlines and protect themselves in uncertain times. So, settle in and get ready for a direct, no-fluff breakdown of where we're headed—and what you can do to be prepared. 00:00 Intro 02:36 Part 1: Things Look Great, But We’re Totally Screwed 06:56 Part 2: The Physics of Money 18:32 Part 3: Timing is Everything 30:22 Part 4: Surviving the Flood - Where We Go From Here Linkedin: Post your job free at https://linkedin.com/impacttheory HomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.com Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT ButcherBox: Your choice of holiday protein — ham or turkey in your first box, or ground beef for life — plus $20 off at https://butcherbox.com/impact Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact BlandAI: Call it for free today: https://bland.ai Or for enterprises, you can book a demo directly: https://bland.ai/enterprise Connectteam: 14 day free trial at https://connecteam.cc/46GxoTFd Raycon: Go to https://buyraycon.com/impact to get up to 30% off sitewide. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	2008, the housing market is euphoric. Everyone believes it is going to go up forever.
0:07.0	Everyone that is, except the quants who see the truth in the numbers. They know what the rest of us are going to find out very shortly.
0:16.0	The housing market is a giant bubble and it's about to burst. The numbers just don't add up. The subprime mortgages
0:23.6	are a ticking time bomb. Given the default rates, collapse isn't just possible. It is mathematically
0:31.2	certain, and then it happens. Bearstone vanishes in a week. Lehman Brothers collapses under hundreds of billions of toxic assets.
0:40.3	Within days, the global credit freezes and entire industries flatline.
0:46.3	It was the first time most people learned the words, too big to fail,
0:50.3	and the first time they watched the government print trillions to stabilize the market, but it worked.
0:57.0	Well, it worked like drinking to cure a hangover works.
1:01.0	We printed money and pushed the inevitable pain into the future.
1:05.0	We layered on more debt, lowered rates to zero to keep the economy moving, and we somehow convinced ourselves
1:13.9	that money really could be free.
1:16.7	Tragically, as we're learning right now, it really can't.
1:20.3	The illusion of free money has now metastasized into something far more dangerous than
1:25.6	2008.
1:27.1	This is no longer just a housing bubble.
1:29.3	It's an everything bubble.
1:31.3	Stocks, real estate, crypto, gold, AI investments,
1:36.3	all of it pumped to record highs on a decade and a half of cheap money.
1:41.3	The quants see it all again.
1:43.3	Debt is compounding faster than income,
1:46.8	interest costs are outpacing growth, liquidity is pouring into every crevice of the market,
	...

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