Tom Bilyeu's Impact Theory

Welcome to Impact Theory with Tom Bilyeu. In today’s episode, Tom sits down with Morgan Housel, bestselling author and expert on the psychology of money, for a candid and eye-opening discussion about the housing crisis and the far-reaching consequences it has on our society.

Together, they dig deep into how housing affordability is at the heart of issues like declining marriage rates, mental health struggles, fertility crises, and even substance abuse. You’ll hear Morgan lay out why buying a home is more than a financial milestone—it’s a fundamental step into adulthood, community, and stability.

Tom and Morgan also explore the cyclical nature of inequality throughout history, the role of inflation and debt in causing economic divides, and why current solutions to the housing shortage miss the mark. They challenge popular policies and talk about the real reasons why affordable homes are scarce—touching on everything from NIMBYism to regulatory capture—and what might need to change if we want to reverse trends that threaten generational prosperity.

Whether you’re worried about the future of the economy, curious about how political cycles influence policy, or just want practical advice for navigating today's financial uncertainty, this episode offers both sobering insights and a dose of hope. If you’re ready for a thorough, nuanced conversation that connects headlines to everyday life, keep listening—this one’s for you.

What's up, everybody? It's Tom Bilyeu here:

If you want my help...


STARTING a business: join me here at ZERO TO FOUNDER: 


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**********************************************************************

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

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Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription order

Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact

Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom

Pique: 20% off at https://piquelife.com/impact
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Welcome to Impact Theory with Tom Bilyeu. In today’s episode, Tom and co-host Drew dive headfirst into a rapidly shifting global landscape that feels like "everything, everywhere, all at once." Against a backdrop of escalating unrest in Minneapolis following the ICE shooting of Alex Pretti, Tom and Drew unpack the fragile state of world order—from National Guard deployments and violent protests in the U.S., to economic instability in Japan and rumors of a failed coup in China’s military.

You’ll hear sharp analysis on how intertwined global economics, politics, and social forces are driving chaos both at home and abroad. The discussion explores not only the tragic events in Minnesota, but also the deep-rooted ideological battles playing out across America, the shifting power dynamics in China, and the potential for dramatic military action in Iran. Tom and Drew break down complex issues like the ethics of resistance, the role of local government in federal conflicts, and the underlying economic moves shaping the future.

If you’re seeking clarity in tumultuous times and want to understand the mechanisms powering today’s most urgent news stories, this episode of Impact Theory is essential listening. Tune in for thoughtful conversation that encourages critical thinking, first principles analysis, and a focus on actionable solutions for navigating uncertainty.

Quince: Free shipping and 365-day returns at ⁠https://quince.com/impactpod⁠

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

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

Sintra AI: 72% off with code IMPACT at ⁠https://sintra.ai/impact⁠

Huel: High-Protein Starter Kit 20% off for new customers at ⁠https://huel.com/impact⁠ code impact

Bevel Health: Visit ⁠https://bevel.health/impact⁠ and use code IMPACT to get your first month free.

Ketone IQ: Visit ⁠https://ketone.com/IMPACT⁠ for 30% OFF your subscription order

Cape: 33% off your first 6 months with code IMPACT at ⁠https://cape.co/impact⁠

Plaud: Get 10% off with code TOM10 at ⁠https://plaud.ai/tom⁠

Pique: 20% off at ⁠https://piquelife.com/impact⁠

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

Minneapolis ICE shooting, Alex Pretti, National Guard deployment, violent mobs, global trade war, devaluing the dollar, Chinese military purge, Xi Jinping coup rumors, illegal immigrants, law and order, economic instability, Japanese yen, yen carry trade, US treasuries, Minnesota fraud, Somali community organization, voter registration fraud, coordinated resistance, NGOs tactics, Iran military strike group, protests in Iran, regime change, international oil supply
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Welcome back to Impact Theory with Tom Bilyeu. In today’s episode, we dive deep into the seismic shifts shaking the global financial system, with a sharp focus on the recent silver price explosion and what it reveals about our economic future. Tom Bilyeu unpacks how China’s grip on physical silver supply is upending decades of western investing habits — exposing the fragility of treating critical resources as mere digital assets on a screen. You’ll hear why the old stable world order is unwinding, the risks facing the US dollar, and how legendary investors like Ray Dalio and Warren Buffett are preparing for a landscape ruled by physical assets, not paper promises.

This episode isn’t just about silver; it’s about adapting your mindset and strategy to a new era where confidence in paper assets is fading, and owning what’s real is more important than ever. If you want practical actions and big-picture analysis on surviving disruptive change, you won’t want to miss what Tom Bilyeu shares today. Let’s get started.

Quince: Free shipping and 365-day returns at https://quince.com/impactpod

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

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

Sintra AI: 72% off with code IMPACT at https://sintra.ai/impact

Huel: High-Protein Starter Kit 20% off for new customers at https://huel.com/impact code impact

Bevel Health: Visit https://bevel.health/impact and use code IMPACT to get your first month free.

Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription order

Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact

Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom

Pique: 20% off at https://piquelife.com/impact

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
Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to another rousing edition of the Tom Bilyeu Show Live! In this episode, Tom Bilyeu and co-host Drew dive deep into the latest headlines shaking the world—from global politics and economics to heated debates around government spending, immigration policy, and the true cost of regulation. They start by unpacking a flurry of international headlines, including escalating tensions in the Middle East, Trump’s controversial “Peace Board” and the rumors swirling around America’s military strategy and alliances. The conversation quickly turns to domestic issues, as Tom Bilyeu and Drew candidly discuss California’s open approach to healthcare for undocumented immigrants, the fallout from Congress’s new budget, and the economic realities most Americans are facing.

Expect sharp analysis of everything from ICE’s media optics to the politics of meme culture at Davos, Elon Musk’s side-eye at Trump, and the age-old debate of how much regulation is too much. You’ll hear why overregulation could be strangling Europe’s entrepreneurial spirit, and get a no-holds-barred assessment of government intervention—from hotel junk fees to historic examples like the GI Bill and the perils of bureaucratic overreach.

If you’re looking for unfiltered, passionate, and insightful takes on the forces shaping our world—and a few laughs along the way—this episode promises to bring both the heat and the nuance you crave. Let’s dive in!

Quince: Free shipping and 365-day returns at https://quince.com/impactpod

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

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

Sintra AI: 72% off with code IMPACT at https://sintra.ai/impact

Huel: High-Protein Starter Kit 20% off for new customers at https://huel.com/impact code impact

Bevel Health: Visit https://bevel.health/impact and use code IMPACT to get your first month free.

Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription order

Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact

Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom

Pique: 20% off at https://piquelife.com/impact

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
Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Impact Theory with Tom Bilyeu! In this eye-opening episode, Tom Bilyeu and co-host Drew dive deep into one of the most dramatic shocks to the US stock market in recent history: how shifts in Japan’s bond market triggered a breathtaking $1.3 trillion loss in value, rippling across the globe.

They break down the complex world of Japanese debt, explain the notorious "yen carry trade," and explore why rising interest rates forced investors to panic sell, collapsing asset prices everywhere. Using relatable analogies—from pizza shop owners to kids borrowing money from mom and dad—Tom Bilyeu makes sense of why these macroeconomic tremors affect real people and their everyday finances.

Not only do the hosts tackle the domino effect in crypto markets and stocks like Nvidia, but they dig into psychological factors driving market panics, how margin trading can lead to instant losses, and why diversification is a smart strategy in uncertain times. Whether you’re navigating your first investment or wondering if you should stuff your cash under the mattress, this episode arms you with the mental frameworks and practical insights to protect your financial future in a world where monetary order feels increasingly fragile.

Tune in to get clear, actionable advice and a global perspective on what’s really happening—and what you can do next.

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
Learn more about your ad choices. Visit megaphone.fm/adchoices