Tan Gera, CFA: How Decentralized Finance Could Reshape Money by 2030

Watch Tan Gera’s free “Become Your Own Bank” training: https://incomeinsider.org/decen-masters-training

Episode Notes:

What if the financial system was built to benefit the people who built it, not the people relying on it?

In this episode of IncomeInsider TV, Sam Laliberte sits down with Tan Gera, CEO and co-founder of Decentralized Masters, to talk about his path from traditional finance and investment banking into the world of crypto and decentralized finance (DeFi). 

With a background as a CFA charterholder, Tan Gera explains why he began questioning the legacy system and why he believes DeFi offers a radically different model for how money can work.

This conversation goes beyond hype and headlines. Tan breaks down what people misunderstand about banks, why he says most people do not truly control their money, what it means to “become your own bank,” and how DeFi aims to remove the middleman from finance.

He also explains stablecoins, yield, beginner mistakes, scam red flags, and why he believes the financial system is moving toward tokenization over the next several years.

In this episode, we discuss:

• Tan Gera’s transition from Wall Street to DeFi* What traditional finance taught him about money, risk, and gatekeeping
• Why banks profit from your money in ways most people do not understand
• What “becoming your own bank” means in practical terms
• How stablecoins and DeFi platforms work
• The real problem DeFi is trying to solve
• Where beginners get stuck in crypto
• The biggest scam red flags to watch for
• How Decentralized Masters helps people navigate this space
• Why Tan believes 2030 could be a major inflection point for finance

If you’ve been curious about crypto and DeFi but want a more practical, risk-aware explanation, this episode is a strong place to start.

Access Tan Gera's free training: https://incomeinsider.org/decen-masters-training

Key takeaways from the interview: https://incomeinsider.org/tan-gera-defi/

Learn more about Decentralized Masters: https://incomeinsider.org/decentralized-masters-review/

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Disclosure: This content is for informational purposes only and should not be considered financial, tax, or investment advice.

Transcript

SPEAKER_00 0:05

Welcome to Income Insider TV, where we bring on experts, founders, and thought leaders to break down the trends that are shaping your money and your financial future. I'm your host, Sam La Liberty, and today's guest is Tan Guerra, who is the CEO and co-founder of Decentralized Masters. Now, before he moved into the DeFi education space, Tan spent years inside traditional finance as a CFA chart holder and investment banker. That background is actually a really big part of what makes his perspective worth paying attention to. He's not some crypto advocate who just stumbled in from tech. He really understands how the old system works, which is exactly why he started questioning it. So through Decentralized Masters, he's now helped more than 4,000 members worldwide navigate crypto and decentralized finance with more structure, more education, and a sharper understanding of risk. So now, quick disclaimer before we get started. As always, this is not financial tax or legal advice. Everyone's situation is different. If you are considering making changes with your savings, your investment portfolio, always talk to a qualified financial professional first. With that out of the way, Tan, welcome to the show.

SPEAKER_01 1:25

Thank you. Thank you very much. Glad to be here.

SPEAKER_00 1:28

Yeah, we are really looking forward to this one. We know you came out of traditional finance and traditional investment banking. So to kick things off, what did that world teach you about money risk and how the system that you still play in today really works?

SPEAKER_01 1:46

Well, plain and simple, uh, it taught me that the system is built for the people who built it. Right. So uh when you think traditional finance and investment banking, on the one side, I'm glad I did this because I understood the actual frameworks, the formulas, what is actually sound uh you know, money management and how do you actually um take care of your finances and actually grow them, right? I think, I mean, one thing that was clear to me is why are we not teaching this to everyone? Everyone should learn about money, uh, but at school they don't teach that to you. Uh I was attracted to it, right? So I did my master's in this and then I decided to pursue. Um so I did understand at first, oh, okay, this is how it works, but then I realized, oh, it's actually gatekeeped. Uh, they don't want other people to understand this because otherwise they would lose their edge. So I learned the good, I learned the bad, let's say.

SPEAKER_00 2:49

Mm-hmm. And some people might just hear that and think, okay, well, if that's how the system works, I'm gonna keep playing with those rules and keep winning. And I bet you were set up to do so. Why do you think you decided to actually start questioning things and do something different?

SPEAKER_01 3:07

Because I don't come from this world, right? I come from a let's say lower middle class family. My parents are immigrants, they came to Paris in France, and so that was my dream. It was very, very difficult to actually get accepted, like break the walls and get into the Ivy world and like this big dream that I had. Uh, I actually went to Wall Street. So coming from the the small suburbs of Paris where very few people actually end up, you know, even having a decent job, let's say. Uh it was great. It was my dream. But once I got there, I just didn't feel like I was home. I felt like they were gatekeeping people who actually are just like me. I'm closer to these people who are like left out than the ones who were welcomed in. Now they did welcome me in because for them I was an asset. They wanted to use my brain, my hands, my eyes so that I can work until 3 a.m. every night, like everyone else does. But at the end I was just a number. And I did realize that, right? I was working at a bank with over 10,000 employees. And I remember while commuting, which took me probably an hour every morning, every evening, uh, I had this conversation with one of my colleagues, and he was like, What do you think happens when you if you die? And I mean, for the bank, right? He was saying, like, in your team, like, what would happen? And I was like, I mean, I guess they're just gonna put up a job post, you know? And so once you realize that, you're like, okay, I might I might want to do something else with my life. I don't see myself commuting this way for another 50, 60 years, I was just starting my career. Um, I knew I was smart, I knew that there had to be another way. I just didn't know what.

SPEAKER_00 4:54

I love that you said that you found yourself more allied with the underdogs. And that if you had to decide between those two paths, these were more your people. So if these are your people, but you feel like you have this extra level of intel, what do you think the average underdog misunderstands about how this system works? That you know, we're all kind of relying on. We trust the banks, we trust them with our retirement accounts, our future. What do most people misunderstand about all this?

SPEAKER_01 5:24

Um, I think people really believe that they own their money, but they don't, right? Okay, that's the biggest misconception. If your money is sitting in a bank account, if you actually walked to the bank and said to the cashier, hey, um, so you see those hundred K, they're mine, and I want to withdraw all of it, I don't think they're gonna let you. But yet it's your money, right? They're not gonna let you. And the reason is that money is not there, it's just a number on the screen. But the moment you deposited it, you gave it to them so that they could do whatever they want with it against like um a yield. But that yield is ridiculous. On average, in the US, they're giving 0.4% on savings, right, annually. When actually they are making anywhere between 10 to 12% bare minimum on that money by relending it for credit card loans, car loans, whatever you want, small business loans, etc. And then there is the fractional reserve system that allows them to lend that money nine times out. So when they lend it once, then they take it again, they lend it again. So all of that to say you're getting uh, I mean, is it even pennies? It's not even that, right? So it's not really fair. Um, so people don't understand that they don't have to accept that necessarily. There are ways out there now to just say no and become your own bank, I would say.

SPEAKER_00 6:59

Well, let's talk a little bit about that alternative because what I'm hearing is that the system is it's just not set up fair in terms of the gains that could be yielded and realized on your money. The bank is taking too much and giving you too little for that. So let's say someone realizes that and they agree this isn't fair. I don't want to play with these rules. I want to become my own bank. With someone who's hearing that framing for the first time, like what does that actually mean in practical terms? What is the alternative?

SPEAKER_01 7:30

It's very, very simple. Okay. Uh you can take what, like, let's say you have, I'm gonna take practical examples for people to understand. But let's say you have a hundred sitting, you have a 100k sitting in a bank account doing nothing or earning less than inflation, et cetera, et cetera. Well, you could just take, let's even start with 10k. Okay, you tend you take 10k, you put it up on a centralized exchange like Coinbase or whatever. You convert that into stable coins. A stable coin is just uh a digital form of a dollar. It's backed one-to-one by real US dollars, but it's in the digital form, right? It's a token. Now you take that and you don't leave it on Coinbase, definitely not, because that's where people usually stop. You put it on what we call a DeFi exchange, a decentralized finance exchange. Coinbase is a centralized exchange. You also have decentralized exchanges. Now, these decentralized exchanges, they need people like you and me to put some capital in so that they can function because they need liquidity and they pay you back. All right. Now, there are platforms out there that are operating for over 10 years that are extremely safe and they have hundreds of billions of dollars on there. And you could earn anywhere between five, seven, eight, nine, even ten, twelve percent yield annual on what is literally a dollar. So people are accepting the 0.4% at their bank when if they just only knew how to do it, they could make 10 to 12% thanks to stablecoin yields. So here's what people get scared. Right now, they're being scammed by two things: one by news industry and two by the banking lobby. Because obviously the banking lobby doesn't want people to know this, which makes total sense, right? It's their business. The second thing is the news out there, um, they keep repeating crypto is a scam to defend these lobbyists that are probably paying them or something. But crypto was only the first use case of blockchain technology in 2017. Since then, uh, you have people like Larry Fink, you have people like Ray Dalio, you have people like, I mean, all the big guys who are running the biggest hedge funds in the world who are saying the entire financial industry, all financial assets will be tokenized. That is the real use of um the technology, right? And stable coins are not are not risky as long as they're backed, and you can you can see that uh they're just the evolution. So money is going digital, whether people like it or not. And either they're gonna be trapped by a digital form of money that is controlled by the government, or the decentralized form, which we like best because we like our freedom and we like, you know, taking back the yield that the bank has been stealing from us.

SPEAKER_00 10:31

I think you painted a really good picture, especially for someone who might be understanding these concepts for the first time, right? It's you have money, you need to put it somewhere if you don't need to spend it right now, and you want that money to earn something for you, right? And so the easiest option is a high interest savings account that your bank provides you, which when you look at the split, they're barely giving you anything, it sounds like, for what they're getting for your money. So the solution is a decentralized platform where you can put your money. So, in what are the rules in that system? So, is there one person who is getting more yield than the everyday person? Are we splitting it equally? Like, tell us the alternative and how that actually works in terms of the economics and really what problem then is genuinely trying to be solved with this alternative.

SPEAKER_01 11:23

Okay, I'll keep it simple.

SPEAKER_00 11:25

Please.

SPEAKER_01 11:26

What decentralized finance allows today is to remove the middleman.

SPEAKER_00 11:30

Okay.

SPEAKER_01 11:31

If you think about it, the entire financial financial industry has been taken over by the middleman because you have what you call the intermediary risk, right? That that middle person, that escrow or that exchange or PayPal, because people, there's a trust issue today. When someone is transacting with someone else uh and they don't know each other, they always have has to be a middleman uh to intermediate the transaction, right? The problem is in today's world, the middlemen are making more than anyone else involved in the transaction, which is not really fair. So decentralized finance removes that middleman, and now uh, you know, you don't have to trust that a middleman is acting in your interest because often they don't, right? They're acting in their own interest. DeFi, what it does is it removes the middleman and it replaces it with uh code that executes exactly as written, that is fully transparent, uh, that is on a public ledger that anyone can audit. Now, in terms of um mechanics or yield, I'll take another example that is very, very simple that everyone understands. Okay, it's as if you were renting um no, it's as if you own a digital, like okay, it's as if you own a beach rent property, all right, in Miami that you bought because you want to flip it in three years and you think it's a great investment, and you're gonna sell it. Okay. Now, with DeFi, what you can do, and with your money, what you can do is the same way as that a property owner would want to have tenants in the meanwhile, during those three years to juice up the yield, the returns, right? Well, you can do the same thing with money now. Instead of letting it sit there, you're gonna be able to provide liquidity and let tenants use it for transactions. Okay, so you get fees. So you're that's where the yield comes from. It's you're being paid fees because they are transacting using your liquidity. That is it. So a property owner is getting paid fees because Airbnb renters are you know using the property and they're paying the fees that they owe for that. It's the same thing.

SPEAKER_00 13:49

It's like a secondary market happening from your money. I also really appreciated your example with just removing the middleman. Like sometimes it actually can be that simple. And we've seen this in our lives happening specifically with retail. Like I remember when direct-to-consumer retail brands came out where they were no longer having that middleman in store and they were able to offer you better prices because they were bringing the product directly to you. So, you know, we've seen these concepts happen in other industries where we all benefit from removing that middleman. So I love that example. You see people enter the space all the time. Like, what does the learning curve look like? You make it sound so simple, but you talked about people maybe getting stuck at leaving at a Coinbase and they first just put their money there, but then you know, don't ever take it off of a centralized exchange. So talk to us where people kind of get stuck and what that learning curve typically looks like.

SPEAKER_01 14:46

Uh again, there is a trust recession out there, so they don't really know who to follow. There's not a single YouTube video they can watch or Twitter course, et cetera, that is going to give them the entire step-by-step. You know, that's the first step. This is the second step, and show me where to click and what to do. So that's where people are like, okay, there is a tech barrier here that is like, I'd rather just give up on this extra 10% yield because this is a headache. Now, the thing is, it's true, with any new tech, okay, initially it's gonna be a little bumpy. The the UX is not gonna be perfect, but this is where the opportunity resides. If it were that simple, everyone would be doing it, the yields would go down because there would be more market participants, and so the yield wouldn't be as juicy. So the thing is, there's that small barrier, you just have to jump past it, and it's all over. It's that simple. Now, how do you jump past it? Well, that's the opportunity we recognized, right, as uh a company. And we were the first in the market, and that's why we've been able to keep uh our head start. Uh, and we're the largest um educator in the space, in the digital asset space, uh, because so many people actually said, I just needed education. That's all I needed. I didn't need anyone to hype me up and and show me, you know, uh insane returns. I just know that just by stripping out the middlemen, it's pure logic. I am gonna make more, but I don't know how. Okay, so yes, the initial small tech hurdle is where typically people get stuck, and then the step-by-step to learn the small mechanics. So, how we tackle it is simply that we provide a mentor, someone who actually knows that, who's done that, and who's an educator at heart. And they help people like you, like me, like anyone else. I'm not good with tech either. Uh, they help people just do that, get over that tech barrier, that hurdle, so that they can start earning yields on the money they've worked hard for.

SPEAKER_00 16:48

So you said there hasn't historically been one place where you can go and you can learn how to actually do this and participate, and you're you're solving for that. So, would you say that decentralized masters is for someone who is a new investor who doesn't know how a lot of this works? Like who are you actually targeting and who aren't you targeting for something like this?

SPEAKER_01 17:10

Well, we started with the need in the market by identifying the need that there's a lot of beginners that need the help. But I obviously was way too advanced. So I had to hire the right people so they can help them. You know, at some point there was a disconnect.

SPEAKER_00 17:26

Yeah.

SPEAKER_01 17:27

My knowledge and what people actually needed to get started. But as we grew, obviously, you can imagine we attracted the entire spectrum, the whole array of knowledge, know-how, etc. I can tell you, there's some clients that come in today that are more uh DeFi savvy and experts than I am. So now what happens is you have the network effect where any single person coming at any, I mean, we're we're big enough at this point that we're able to identify immediately what is the level of knowledge that someone has, what is the level of access that they require instantly, based on that level of knowledge, and what is the level of help and hand holding that we'll need. There's some people that come in who are like top-level experts in the space and they say, Hey, I think you guys can teach me stuff because being part of a community of top-level investors in the space can help me see things that by myself I would never see. On the opposite side, you have some beginners who say, Hey, I just need someone who's very patient because I don't, I I literally don't know how to type my name on Zoom. Okay. All right, we have people for every level. We just need to make the right proper assessment uh initially because there is no one size fits all uh in investment and there is no one size fits all in teaching. That's what we believe.

SPEAKER_00 18:53

And it's a membership, right? So how does the business model work? Am I paying a monthly membership to have access to this community and this education? Am I sharing some of the yield with you as I have gains on the investments that you help me make?

SPEAKER_01 19:10

I wish that we could share. Legally, we can't do that. Okay. But I really wish. But the whole point is decentralization gives the power back in the hand of the people. So the people have anonymous wallets, they can have as many as they want. I literally cannot track uh their investments. I don't know, right? Uh, but we teach them what to do, how to do it, where to click, uh, we handhold them. We I literally share my entire portfolio and what I'm doing live with our members, literally, right? So it's uh usually people start with a six-month membership because that's the time we have identified that they need um to get started, get comfortable, and then become independent eventually by the end of it. Um, but there are different membership tiers and levels of access, as I said, because we don't want we don't want to price people out uh necessarily, but there's some features or some people. If you want to get access to them, their time is extremely precious. Like at this point, we have 160 people on staff, our team.

unknown 20:18

Wow.

SPEAKER_01 20:19

And uh our payroll, monthly payroll is well above a million dollars each month. So um, you know, we're running a business model where it's purely tuition on the front end. People have to trust that this is what they want to do and they want to learn. And um then we just try and pair them with the right membership tier for them and with the right mentor based on their level of knowledge.

SPEAKER_00 20:45

Okay. And I think what we hear from a lot of people is that yes, we're painting a picture of this amazing solution that seems so obvious. That sounds like you know, people who really value freedom and not being ripped off and taken advantage of like we've been for so long with traditional finance, have come together and provided the solution. And it all sounds amazing. But then when we look at headlines and follow crypto a little bit closer, you know, there's been a ton of scams. There's been a lot of bad actors in the space, which has caused people now to question can we even trust people like you, right? And the solution that you're providing. So, first question is why should we trust you? Right. And then the follow-up question is, what are the red flags that we should be looking out for as we start to empower ourselves and um not get caught up in the people who are now joining this space to take advantage of people?

SPEAKER_01 21:43

Um you might not expect what I'm gonna say, but I made all the mistakes myself. So in my first cycle in 2017, uh I made seven figures when I was maybe a 22 year old. Uh I really thought I was a genius, but I was not. So I gave back. my gains to the market and went back to um where i started literally so seven figures vanished i still remember those days right and the second thing is while i was building everything back up uh that was two years later i was trying to you know hey this time i will not let that happen i got scammed out of 200 000 so that was tough having made those mistakes but also having felt the shame um i didn't trust anyone right at that point so when we built the company uh we started in 2022 after i you know developed my own strategy and it worked well um we did it in a way where we grew out of referrals initially of people who really wanted to do this and you know you trust someone that trusts someone so you can trust that person as well and then eventually uh it got way bigger um just because there was such a big need in the market today I'm very proud of the reputation that we have online uh our members themselves just post about us uh you know our diehard fans just because we have the commitment towards them and so at some point it becomes so undeniable that even someone who's trying to stop you and say hey you're a scam there's like I mean there's just no way anymore right um we just hosted our first live event with our customers uh full packed room at the Fontainebleau Hotel in Miami it was uh 27th to 29th of March and there was around 230 people that came our members right the level of gratitude that they showed and demonstrated was I mean it just pushes you to we could break any wall there's no one that can stop us at this point uh we're gonna do everything possible to teach this to people even if the institutions don't want us to and so why should people trust us?

SPEAKER_00 23:59

I think uh going online and researching us and doing proper due diligence you will figure out right away um that you know at least we're trying our very best to help people that's that's all I can say you're rooted in honesty and you're genuinely trying to improve people's lives and share knowledge that you think is like a secret that you don't want to keep as a secret anymore. Okay well I imagine at the beginning though you didn't have this amazing community and all these reviews where people could go on and be like okay they're obviously legit so how did you earn people's trust in the beginning how did you get people to participate when you didn't have that network effect to be fair I think the CFA helped a great deal um being a CFA charter holder at such a young age when you're starting a venture in the finance space I mean there I don't know of any other um person who was teaching people crypto with a CFA.

SPEAKER_01 24:59

I've never seen this usually you see uh a CFA working at big investment funds or you know or running the fund or uh being the chief investment officer but no one saw that before so most people initially they were like oh you're a CFA can I check that can I verify? They went on the website they verified they're like oh yeah you're legit okay I'm in you know that's it because they know what it takes to get it so they're like yeah so that was it initially really this plus the referrals um and then eventually I mean it's way bigger than just me but initially that's how that's how it started today I can confidently say that the analysts the mentor that work in the team they're way better than me in certain aspects each one has their own specialty and in their specific specialty they're better than me and I'm glad that these amazing talented individuals are working for our common vision I'm I'm I'm glad would you say you're in the community and you're learning from people too and taking advice from your own members on crypto maybe not on investments maybe not I think we have um an insanely talented team all our members would tell you that as well um but in life I mean I I'm very close to my members especially the highest tier group with which I naturally interact more right myself uh we're present right we're not the kind of founders with Salim my co-founder we're not the kind of founders who are removed we're actually very inside uh twice a week we hold this huge market intelligence summit with all our members come in live um we like to do that we like to be present right so I would say that um I learned from them but on different aspects and you wouldn't believe me on what but like I asked them about marriage because I'm not married I asked them about uh travel I asked them about um spirituality there's so many discussions that we have that are that have nothing to do necessarily with investment when it's investment usually we're the one teaching because uh you know we're pretty good at it and for those who weren't joining us before this interview before we went live you actually said okay I gotta wrap this up on time because I have a webinar for my community right after this which I think just speaks to how committed you are to your members and to showing up for them and following through on those commitments.

SPEAKER_00 27:37

So everyone can go look into Decentralized Masters and see the different levels of membership and see if this might be the right fit for you. But to zoom out a little bit there's a lot of uncertainty in the future for people all over the world, right? We have a lot of scary things happening politically, environmentally, economically so do you feel like despite all this uncertainty you can confidently have a view on what the next five to 10 years are going to look like in terms of the financial system evolving? And if so what do you predict um and how will DeFi kind of fit into that picture then so it's funny you asked that because with our members we all have a common target which is 2030.

SPEAKER_01 28:28

Everyone that enters DM is not chasing um small gains over the next six months we're teaching them how to come on top in this four-year window which we believe is the inflection point that's how we call it interesting we've seen that there are multiple technologies that are all coming to maturity and being uh accelerated thanks to AI and these are patterns that we've seen in history that are playing out again but obviously people either are too zoomed in and typically expect this thing to happen immediately uh so they overestimate the impact of a technology on the short term but underestimate the impact of a technology on the long term or they're too zoomed out and they think that you know um nothing's gonna happen it's gonna take a lot of time this is not true we're seeing a big acceleration and no matter the geopolitics uh this doesn't really have that big of an impact okay uh Ray Dalio teaches that but if you look at the bigger debt cycles that last usually 100 years you had initially the the Dutch who mastered finance then they got taken over by the Brits uh who mastered the industrial revolution and then you had they they got taken over by the US okay the Americans the big question is who's going to be next because it's been around 120 years now and that pattern always plays out so we teach them exactly uh how we're approaching it how we're structuring our portfolio because we're seeing tokenization yes but AI energy bio uh and there's one that I'm missing obviously uh that are all coming together robotics right and they're all coming together and it's only going to accelerate from now the thing is tokenization and DeFi it encapsulates all of them let me explain why the entire financial system so all financial assets are going to be tokenized so your stock market your real estate market um your bond market every market is going to be tokenized and is going to be tradable so what happens is decentralized masters was built by knowing this would or at least making that bet okay taking the bet that everything money would go digital so we're not teaching people crypto not at all we're teaching people how to invest their money not only to protect themselves against this transition we're going from an old financial system to a new financial system but also to take advantage by being early and knowing what to do okay and you can invest in AI robotics bioenergy and tokenization directly through tokenized assets already now the last point I will say and I'm actually I'm gonna ask you a question.

SPEAKER_00 31:35

So do you believe that AI is gonna uh skyrocket and it's gonna change the world I feel like it already is great so you do believe that AI agents are gonna be everywhere and working right in the economy yes how do you think they're gonna transact on our behalf right but how on digital exchanges right because they cannot KYC in your bank and have an ID they cannot for a settlement uh you know for three days for wire transfer I mean this is the old legacy system the traditional banking system is dead already it just cannot keep up it's not built for it AI agents have to transact every single second millisecond and it needs to be extremely cheap extremely efficient extremely fast right yeah well tell me which technology can help do that that's what we've been learning about today okay I guess I would challenge that for one second because I'd be curious what you would say to this so you said it yourself the people who are in the traditional system are really smart really educated that's why you were able to have so much credibility when you entered this space of people saying okay this guy knows what he's talking about there's a lot of smart people who know this is coming that are in the traditional system couldn't they just start innovating the way that the old system has always been done to get ahead of this so that their business doesn't end couldn't they be thinking about how AI and agents can be working within their legacy systems?

SPEAKER_01 33:19

Their business is not going to end okay they will innovate they already are the thing is you're going to see more options and a wide area of possibilities where now software people education people like us etc are entering that financial realm that was completely gate capped it's just that it's gonna be redistributed amongst way more players and you're gonna have fintechs that you call they're gonna challenge the big banks etc so I think your old credit union and like uh those legacy you know uh um street banks they're they're gone they're dead that that's game over yeah okay the big ones like JP Morgan Chase and like all these guys of course they're gonna compete their business they're too big at this point to completely fail it's just they're gonna lose some market share here they're gonna have to make the right decisions uh hire new people bring new talent it's just a big beast that you have to handle differently but I don't think it's just it's gonna be a slow transition it's gonna operate in parallel until everything's gonna blend you're gonna have some winners you're gonna have some losers but that's it the opportunity now to jump in when there's still uh you know a lot of uh meat on the bone let's say for people or eventually you are gonna be using DeFi DeFi without even knowing it in an app that is very slick within two years from now. So you decide do you want to use it now and potentially make more money, right? Or use it in two years. That's it.

SPEAKER_00 34:58

And you still feel like it's early for somebody who is listening to this they're still curious they're still cautious it's not too late for them.

SPEAKER_01 35:08

If Bitcoin and Ethereum are your uh Google and Amazon okay of the internet era well Google and Amazon were in the in at the end of the 1990s right 1995 and 97 something like this well bitcoin ethereum were in the early 2010s let's say well I believe that you would consider Facebook and Airbnb and Uber being big winners of the dot-com era still right yep well they were born in 2004 2007 2010 so the biggest winners of this new era are either being built now or will be built in the next two years so do I believe that in the inflection at the inflection point there is more opportunity than ever? Yes.

SPEAKER_00 36:00

Okay well you heard it here thank you so much this has genuinely been such a valuable conversation and I think we've created enough intrigue that I hope everyone listening here at least goes to Decentralized Masters and learns a little bit more about this community and the education and how the membership works. Like you said you can go read the reviews yourself and actually hear what their members are saying because 10 doesn't believe it's too late, right? This inflection point is coming and maybe this these next four years is the time for you to be making a move. So thank you for breaking this down. If you are interested we'll include links at incomeinsider.org as well as the show notes. If you are new here we have more episodes in the pipeline so make sure you're subscribed so that you never miss one. And if you wanted to leave us a review and rating Tan said how important they are those are important for us too it genuinely helps more people find this show. So thank you so much for being here. We'll see you next time thank you.