How Millionaires Are Managing Their Own Money and Beating Wall Street with Tan Gera

0:01John Lee Dumas:Boom! Shake the room, Fire Nation. JLD here and welcome to Entrepreneurs on Fire, brought to you by High Level, the all-in-one sales and marketing platform. Today we'll be breaking down how millionaires are managing their own money and beating Wall Street. To drop these value bombs, I have brought Tan Gera into EO Fire Studios. Tan is an ex-Wall Street banker turned crypto educator. And today we'll be talking about managing your own capital, risk versus reward, predictable income, confidence in your moves, and opportunities in 2026, and oh, so much more. And a big thank you for sponsoring today's episode goes to Tan and our sponsors.

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1:21John Lee Dumas:Tan, say what's up to Fire Nation and share something that you believe about becoming successful that most people disagree with.

1:30Tan Gera:I would say you have to be willing to be wrong for an extended period of time before you're proven right. That is if you want to be highly successful.

1:41John Lee Dumas:Fire Nation, first they ignore you, then they laugh at you, then they fight you, and then you win. So let's talk about managing your own capital here in 2026, because we want to really be focusing how millionaires right now are managing their own money and beating Wall Street. So in 2026, Dan, how realistic is it really for somebody to take full control? I mean, we're talking 100 % management of their own capital without relying on advisors or institutions. All right.

2:12Tan Gera:So it's good to be part of communities of people doing it and getting educated about it because financial education is very poor. You know, they don't teach you that at school, even though I think they should. So that's important. But going through the traditional route of being with financial advisors that take a cut on whatever money you hand them and actually are incentivized by vendors to pull your capital into their products, even though that is a big no-no. So there is a way to manage 100 % of your own capital in 2026. And that is what we call becoming your own bank. How do you do that? Well, in today's world, digital assets are actually far more than what people think.

3:03Tan Gera:And you will never hear me say the word crypto, because crypto has a negative connotation. Whenever you think crypto, you think get rich quick. You think meme coins. You think even scams or rug pulls. But that's what they want you to think, okay? Larry Fink, the CEO of BlackRock, that manages over$10 trillion. They're going all in on what we call tokenized assets. So digital assets are far more than just crypto. That was just the first use case in 2017. Since then, the space has grown tremendously and is expected to grow 33x from here. All financial assets will be tokenized. Even the SEC chair said that, okay, three days ago.

3:48Tan Gera:And what that means is that in one single digital wallet, people will hold their stocks, their bonds, their crypto, their real estate, all in the tokenized format. Now, you have to prepare for that. And that's why I said you can manage it. You can manage 100 % of your own capital from your own digital wallet starting today, but you would have to get educated on it, on how to do it safely and what investment strategies you would use. That's what I would say.

4:19John Lee Dumas:So, Tan, let's talk about risk versus reward because we always have to be weighing those things because a lot of people are worrying that managing everything themselves is dangerous, whether rightfully or wrongfully. That's what they're worried about. So is the risk really as big as it seems or is something else going on?

4:37Tan Gera:I mean, think about everyone's incentive, right? The whole financial system is currently built where the middlemen always extract all the value. The banks, the payment processors, etc. They just take a small cut of everything you do and that shrinks your potential. With the new financial system where we're going, right, you get to eliminate the middleman thanks to the blockchain technology. Everything's going on chain. And so the risk in managing everything now becomes in, do you trust yourself? At the end of the day, it's just a matter of skill, okay, to not make mistakes. So how do you do that?

5:17Tan Gera:You get educated.

5:18John Lee Dumas:Fire Nation, education will set you free. It has always been true. And now we have access to this at levels we never have in our entire lives, which kind of moves me on to the next point that I want to talk about, Tam, which is predictable income. Because listen, there's a certain segment of the population that wants a certain percentage of their portfolio to derive and to produce predictable income. So when someone wants that, they want safe, steady, predictable income, what would you say are the smartest options they can be considering today?

5:50Tan Gera:So I'll mention two. One is stablecoin liquidity pools. Stablecoins are pegged one-to-one to the US dollar. They're just in the digital format living on the blockchain. Well, the banks today in your savings account are giving you 1-2%. They're keeping all the rest. They're lending your money for 10-15 % or more interest on credit card loans and multiple times over. So you get nothing. All right, let's discard that. Treasury bonds, you get 4 % or 5%. That doesn't even outpace inflation, the real inflation, not the inflation they tell you. And that definitely doesn't outpace the dollar devaluation as well because of all the money printing.

6:39So what you can do is provide liquidity in what we call stablecoin liquidity pools.

6:46Tan Gera:And there, we're seeing multiple hundreds, thousands of investors we work with generate 15 % on their stablecoins. Again, pegged one to one to the dollar. Much better, right? And it's completely liquid, accessible 24-7. So all in all, it's just a no-brainer. The second one I would talk about is tokenized gold. On one hand, you have gold. It's a great store of value, right? Everyone wants gold. Everyone loves gold. And I get it. The issue is physical gold. I mean, you're paying sometimes 5 % premiums over spot price, the market rate. It's not easy. I mean, you have insurance costs. It's not easy to store.

7:38Tan Gera:It's heavy, right? And if you want to pass it on to, I don't know, your kids, I mean, how do you even do that? If they don't live in the same state or country as you. Very difficult. On the opposite side, you have tokenized gold. Not only is it one-on-one backed by physical gold stored in Swiss vaults, which is probably safer than under your mattress. It's completely liquid. 24-7 accessible. redeemable versus real gold but also and that's the key you can get a yield on your tokenized gold by using the same mechanism of liquidity pools so not only are you safe because you're investing in gold but thanks to its tokenized format by utilizing what we call liquidity pools you can get an additional five percent yield that is very safe and predictable in my books

8:36John Lee Dumas:I mean, Fire Nation, I love the options that Tan is breaking down for us today because, man, if you know that you need X number of dollars every month just to survive, and you can lock that in in a safe and predictable way, you can maybe get a little more risky, go a little bit more on that risk curve with your other investments if you know you've got the basics covered. So we have a lot more to talk about. Confidence in your moves, opportunity in 2026, legacy versus security, and so much more when we get back from thanking our sponsors. Fire Nation, how many different systems does your business rely on just to operate day-to-day?

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12:35John Lee Dumas:High level, join the revolution. Tan, we're back and I want to talk about confidence in your moves. So there's so much noise out there in the financial world. I mean, everybody's squawking about something. So how can someone actually know they're making the right decisions with their money?

12:53Tan Gera:Well, I like to just follow what I call smart money. As you may know, I'm an ex-Wall Street investment banker and also a CFH auto holder. So I've seen how institutions operate from the inside. And so one of the big boys that I like to watch is BlackRock. They literally run the world at this stage. They have a share of everything. Okay? $10 trillion. That's what they manage. And what we try to replicate inside our community is literally reverse engineering BlackRock's investment system. And we call it the ABN system in our books. Phase A is all-weather portfolio. That's what we build. That's what they do as well.

13:43Tan Gera:Phase B is become your own bank, what I described with the liquidity pools. Did you know that BlackRock generates$20 billion in revenue a year? $16 billion, so 80 % of that revenue, is actually coming from management fee, meaning they take a cut of all the money they manage. It's not thanks to their investment performance. So taking a cut, right, that's exactly what you do with liquidity pools, is you take a cut on every trade that is happening thanks to your liquidity. you're able to replicate that in the digital asset world. So we take phase A, phase B of BlackRock's system, and the final phase, what BlackRock does really well, it doesn't invest like dumb money or retail money, meaning at high prices.

14:28Tan Gera:What BlackRock likes to do is invest early. For example, in a company called Stripe, you've probably heard of Stripe. The issue is Stripe is a private company worth billions and billions, maybe even hundreds of billions, but you were never invited to the table. And that's the issue. Retail investors are always locked out of these kind of investments, the best investments. So BlackRock, what it does is it invests in the pre-IPO phase, okay? You have to be an accredited investor. You have to be invited to the deal. Obviously, you're not. Well, that is completely flipped. In the digital asset world, you are able to invest alongside these institutions and the venture capital funds in what we call the native markets or the decentralized exchanges, that's where tokens launch way before they ever get listed on Coinbase, Binance, or Kraken, the mainstream exchanges.

15:22Tan Gera:That's where the dumb money buys. So we replicate that, and that is the last phase of our system, buying early for cheap prices. Once you do the ABN system, which follows the BlackRock system, you follow the smart money, you become your own financial institution, and that is, for me, the best way to do it. in 2026.

15:41John Lee Dumas:Well, speaking of 2026, I want to talk about some other opportunities that you're specifically fired up about. I mean, what are you seeing as the most compelling and keyword here, accessible investment opportunities emerging this year? Because as you mentioned, not every investment is accessible to the retail market. So with that being said, what are you fired up about?

16:03Tan Gera:I mean, no one is going to be surprised if I say AI, right but here's how i look at ai investment there are four type of ai investments in my book there are the ai public equities that you can invest in but um most likely you missed the trade if you missed it there are the beta plays right um the infrastructure plays the data centers etc So again, if they're publicly traded, maybe you're on time, but they're usually highly valued already. Then you have the AI private companies, OpenAI, Anthropic, that is the company that does Claude. Well, the issue is, just like I said a second ago, you're not invited to the table.

16:48Tan Gera:You cannot touch these companies. We will never be able to invest in those. And then you have the fourth option that very few people know about. It's called decentralized AI. Decentralized AI is basically the unicorns of tomorrow in AI that will compete directly with OpenAI, with Entropic, that are actually being built on the decentralized rails. meaning top founders from Stanford, from Cornell, from all the Ivy Leagues, are building an AI startup, but they're raising capital directly in the native markets that I just mentioned, okay, on the decentralized system. Why? Because they can raise not only from one big VC that is going to have predatory terms, okay, on the company as an investor, but rather from the open public.

17:39Tan Gera:and the native markets is the new open venture capital market of the world. And this is where you can access decentralized AI, which is very exciting to me. If some of you are well versed into this topic, well, you should go and take a look at BitTensor, Tau, and its subnets. This is where you'll find some massive gold. I'm talking about potential 100x opportunities that you can access right now.

18:09John Lee Dumas:So let's talk about legacy and security, Tan, because if something unexpected happens, how can somebody ensure that their assets are moving cleanly and directly to their beneficiaries? I mean, that's always on someone's mind. You know, we live in a dangerous world. What would you say about that?

18:24Tan Gera:You have the old way, the notaries, you know, having a will and all these things, but it requires massive legal fees. It's a massive headache once you set it up, because once you're gone, your family members necessarily don't want to be involved with this kind of things. Right. It gets very complicated. So a better way with digital assets and blockchain technology, again, is that you can have built-in beneficiary features where from your digital wallet, if something happens to you, there is a mechanism called proof of death. And once these papers are submitted via a smart contract that analyzes that this is correct, then your assets can go straight to your beneficiaries in the percentages that you preset.

19:20Tan Gera:For example, if you want your sister, your mom, your daughter, and your dog to have 25 % each, you can do that. All right. And so this is exactly what we've been building. Thanks to the request of our members. They told us, hey, you've educated us to make a lot of money in the decentralized world with digital assets. What if something happens to me? And to be honest, I'm young. I never thought about that. And so we took a year or so hired the best engineers to build that. And it's life. It's possible. It's called legacy app. And it's your digital wallet that will basically have all your financial assets, all your investment, the one-stop shop, plus you have your insurance.

20:06Tan Gera:It goes straight to your beneficiaries if something happens to you.

20:09John Lee Dumas:So on that note, Tam, let's close with a bang because the Fire Nation is listening and they're ready to take control of their money. They're ready to build financial security on their terms and they want to learn more from you. They want to connect with you and what you've created and built. What is your call to action for our listeners today?

20:27Tan Gera:Well, I highly recommend you type decentralized masters on your Google search bar. And then you have the opportunity to go on YouTube and watch not only our presentations, but our hundreds of case studies of investors, businessmen, nurses, doctors. We have literally everything, all ages, all races, all genders, everything. We have helped become their own bank, take control in 2026. And they will also be able to read all the trust pilot reviews, all the articles that have been published. And finally, apply. Apply to be part of our community, which is the number one digital asset education company and research company in the world by size, by revenue, by everything.

21:16Tan Gera:We have 130 plus people full-time working in our company, helping 4 ,000 investors across the world. And that's what we specialize in. Once you will get acquainted with everything that we do, you can apply to work with us. We're very selective and we filter the people based on how we believe we can help them, really help them. And for that, you would have to have a conversation with my team. But that's what I would recommend.

21:45John Lee Dumas:Fire Nation, you're the average of the five people you spend the most time with. And you've been hanging out with TG and JLD today. So keep up that heat. And for links to everything that we talked about, visit eofire.com. Just type Tan, T-A-N, in that search bar, and the show notes page will pop right up. Tan, thank you for sharing your truth, your knowledge, your value with Fire Nation today. For that, we salute you, and we'll catch you on the flip side.