Most people think banks make a simple interest rate spread—but that’s dead wrong. By leveraging Other People’s Money (OPM), banks turn a 3% loan into an 809% return. This isn’t a mistake—it’s how the entire financial system is designed to profit off you. In this video, I break down the real math behind banking, why financial institutions always win, and how you can use the same strategy to multiply your own wealth instead of funding theirs.