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Jake Claver, QFOP

@beyond_broke • 124,242 subscribers

Chairman @DAGFamilyOffice | Building wealth beyond limits | Sharing insights on finance, legacy & breaking the broke mindset

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The CPI is the CP-lie. They stopped measuring inflation the 1970s way decades ago, pulling items from the basket over the years to keep the number politically palatable. Real inflation runs well north of the headline, and your grocery bill already told you.

The CPI is the CP-lie. They stopped measuring inflation the 1970s way decades ago, pulling items from the basket over the years to keep the number politically palatable. Real inflation runs well north of the headline, and your grocery bill already told you.

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Great start to the Swellabration here in NY

Great start to the Swellabration here in NY

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I asked Ripple to custody our clients' XRP. Their answer: 'We hold 4.8 billion XRP. Why would we need yours?' That one line tells you their whole strategy. They're infrastructure, not a retail bank. Stop waiting for them to be your custodian.
0:48
beyond_broke's profile picture

I asked Ripple to custody our clients' XRP. Their answer: 'We hold 4.8 billion XRP. Why would we need yours?' That one line tells you their whole strategy. They're infrastructure, not a retail bank. Stop waiting for them to be your custodian.

Jake Claver, QFOP

100,898 views • 1 month ago

You should only have to get rich once So, my buddy's cousin drives Uber in Orlando. Picks up this family from Disney World You can tell immediately they have money. The clothes. The way they carry themselves. He's driving them back to their hotel and he starts catching pieces of their conversation in the backseat Now I probably shouldn't even say the family name. But you've eaten their food. Household brand There are 8 billion people on this planet. You know how many XRP wallets exist? 8 million. That's it. Half of those dont hold much XRP at all If you're holding right now, you're more rare than you realize Most wealthy families won't even look at crypto. Except the ones who actually built their fortunes from nothing The rich aren't buying crypto to get richer. They've already made their money. They don't need to They're buying it as insurance. A hedge. They see the global financial system unwinding. The carry trade reversing. And they want something uncorrelated sitting in their portfolio when everything else gets hit Think of wealth like a tree. Right now you're planting seeds. Watering them. That's all you do for years. The trunk grows. That's your core investment Then it bears fruit. Branches spread. That's your diversification. If lightning hits one side, the tree still lives The wealthy already know this. They're not rolling everything on one bet Like I said...You should only have to get rich once.
4:05
beyond_broke's profile picture

You should only have to get rich once So, my buddy's cousin drives Uber in Orlando. Picks up this family from Disney World You can tell immediately they have money. The clothes. The way they carry themselves. He's driving them back to their hotel and he starts catching pieces of their conversation in the backseat Now I probably shouldn't even say the family name. But you've eaten their food. Household brand There are 8 billion people on this planet. You know how many XRP wallets exist? 8 million. That's it. Half of those dont hold much XRP at all If you're holding right now, you're more rare than you realize Most wealthy families won't even look at crypto. Except the ones who actually built their fortunes from nothing The rich aren't buying crypto to get richer. They've already made their money. They don't need to They're buying it as insurance. A hedge. They see the global financial system unwinding. The carry trade reversing. And they want something uncorrelated sitting in their portfolio when everything else gets hit Think of wealth like a tree. Right now you're planting seeds. Watering them. That's all you do for years. The trunk grows. That's your core investment Then it bears fruit. Branches spread. That's your diversification. If lightning hits one side, the tree still lives The wealthy already know this. They're not rolling everything on one bet Like I said...You should only have to get rich once.

Jake Claver, QFOP

431,459 views • 9 months ago

'Will Ripple just burn the escrow?' They can't. Ripple runs 3 of 35 trusted validators, and any change needs ~80% consensus. They can lock XRP in escrow, but torching supply takes 28 other independent validators voting yes. Decentralization, in practice.
0:52
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'Will Ripple just burn the escrow?' They can't. Ripple runs 3 of 35 trusted validators, and any change needs ~80% consensus. They can lock XRP in escrow, but torching supply takes 28 other independent validators voting yes. Decentralization, in practice.

Jake Claver, QFOP

68,524 views • 1 month ago

Your seed phrase is not your key. People think the 12-24 words ARE their crypto, they're not. The phrase regenerates the wallet; the actual keys get exposed every time you transact. Understand what you're protecting before you protect it wrong.
0:46
beyond_broke's profile picture

Your seed phrase is not your key. People think the 12-24 words ARE their crypto, they're not. The phrase regenerates the wallet; the actual keys get exposed every time you transact. Understand what you're protecting before you protect it wrong.

Jake Claver, QFOP

69,957 views • 1 month ago

This guy did everything right, never phished, never shared his keys. Two years later his crypto was just gone. His one mistake: he bought the hardware wallet off Amazon. Tampered devices ship with pre-generated seeds. Buy direct from the manufacturer. Only.
0:46
beyond_broke's profile picture

This guy did everything right, never phished, never shared his keys. Two years later his crypto was just gone. His one mistake: he bought the hardware wallet off Amazon. Tampered devices ship with pre-generated seeds. Buy direct from the manufacturer. Only.

Jake Claver, QFOP

68,720 views • 1 month ago

XRP's issuing account was blackholed, nobody, not even Ripple, can mint more. Every transaction burns a sliver, so supply shrinks daily. The only other things that behave this way are decaying elements like uranium. Most assets inflate. A few don't.
0:58
beyond_broke's profile picture

XRP's issuing account was blackholed, nobody, not even Ripple, can mint more. Every transaction burns a sliver, so supply shrinks daily. The only other things that behave this way are decaying elements like uranium. Most assets inflate. A few don't.

Jake Claver, QFOP

47,233 views • 1 month ago

I was sure the big banks would build crypto yield products. I sat across from Fidelity, Goldman, JPM, BofA, they don't have the infrastructure or the people who understand it. The gap between 'institutions are coming' and 'institutions are ready' is years wide.
1:03
beyond_broke's profile picture

I was sure the big banks would build crypto yield products. I sat across from Fidelity, Goldman, JPM, BofA, they don't have the infrastructure or the people who understand it. The gap between 'institutions are coming' and 'institutions are ready' is years wide.

Jake Claver, QFOP

40,931 views • 1 month ago

That free USB charger at the airport can steal your phone. Swap the plug for a device that pulls data instead of power and plugging in hands over everything, including wallet access. Carry your own charger and a data blocker. 'Juice jacking' is real.
0:39
beyond_broke's profile picture

That free USB charger at the airport can steal your phone. Swap the plug for a device that pulls data instead of power and plugging in hands over everything, including wallet access. Carry your own charger and a data blocker. 'Juice jacking' is real.

Jake Claver, QFOP

54,396 views • 1 month ago

Holding $50M on a Ledger? That's cowboy stuff. 'Not your keys, not your crypto' is fine until generational wealth sits on a USB stick your spouse can't recover if you're gone. Above eight figures, insured segregated custody stops being optional.
3:09
beyond_broke's profile picture

Holding $50M on a Ledger? That's cowboy stuff. 'Not your keys, not your crypto' is fine until generational wealth sits on a USB stick your spouse can't recover if you're gone. Above eight figures, insured segregated custody stops being optional.

Jake Claver, QFOP

52,095 views • 1 month ago

XRP already ran a supply shock once. Ripple locked half the supply in escrow and it set off the move to $3.84 in 2017, a level still untouched. Demand building plus a tight float is the same setup again. Does it revisit the high this cycle?
0:27
beyond_broke's profile picture

XRP already ran a supply shock once. Ripple locked half the supply in escrow and it set off the move to $3.84 in 2017, a level still untouched. Demand building plus a tight float is the same setup again. Does it revisit the high this cycle?

Jake Claver, QFOP

71,651 views • 2 months ago

Pa Rum Pum Pum Pum
0:32
beyond_broke's profile picture

Pa Rum Pum Pum Pum

Jake Claver, QFOP

185,885 views • 8 months ago

'It's only 22 cents, that's a bargain' costs people thousands. Unit price is meaningless. A $100 stock that 10x's makes you 10x. A $2 coin that doubles makes you 2x, no matter how many units you hold. Price low isn't the goal. Priced wrong is.
1:01
beyond_broke's profile picture

'It's only 22 cents, that's a bargain' costs people thousands. Unit price is meaningless. A $100 stock that 10x's makes you 10x. A $2 coin that doubles makes you 2x, no matter how many units you hold. Price low isn't the goal. Priced wrong is.

Jake Claver, QFOP

42,795 views • 1 month ago

Ever wonder why #XRP price feels stuck even with all the big news and adoption stories flying around? Dark pools are an invisible force playing a role behind it, holding prices stable, but one catalyst could trigger one of the biggest moves ever. 1/23🧵
3:47
beyond_broke's profile picture

Ever wonder why #XRP price feels stuck even with all the big news and adoption stories flying around? Dark pools are an invisible force playing a role behind it, holding prices stable, but one catalyst could trigger one of the biggest moves ever. 1/23🧵

Jake Claver, QFOP

309,821 views • 1 year ago

Blockbuster passed on buying Netflix for $50M, added candy to the checkout lane instead. Last store closed in 2025. The AI agent economy is doing this to entire industries right now. 'We're fine' is what every incumbent says right before it isn't.
1:19
beyond_broke's profile picture

Blockbuster passed on buying Netflix for $50M, added candy to the checkout lane instead. Last store closed in 2025. The AI agent economy is doing this to entire industries right now. 'We're fine' is what every incumbent says right before it isn't.

Jake Claver, QFOP

30,409 views • 1 month ago

Nobody actually knows how big the derivatives market is, estimates run from $400 trillion to $4 quadrillion. That 10x gap exists because notional value is unknowable today. Tokenize it and the collateral becomes auditable in real time for the first time.
0:56
beyond_broke's profile picture

Nobody actually knows how big the derivatives market is, estimates run from $400 trillion to $4 quadrillion. That 10x gap exists because notional value is unknowable today. Tokenize it and the collateral becomes auditable in real time for the first time.

Jake Claver, QFOP

36,935 views • 1 month ago

Venmo is AOL in 1995. You can't pay a Cash App user from PayPal, can't Zelle a Venmo account. We pay 'instant transfer' fees to dodge delays that only exist because the rails don't talk to each other. Money is waiting for its interoperability moment.
2:29
beyond_broke's profile picture

Venmo is AOL in 1995. You can't pay a Cash App user from PayPal, can't Zelle a Venmo account. We pay 'instant transfer' fees to dodge delays that only exist because the rails don't talk to each other. Money is waiting for its interoperability moment.

Jake Claver, QFOP

33,790 views • 1 month ago

I sat down for an interview with nancy beaton US President of Uphold and she drops some serious alpha In this interview, Nancy walks through some products that are actually solving real problems for crypto holders and shared the news that Uphold is launching a DeFi lending pool with Exactly Protocol in Q4. But that's just one piece, as you may have heard, they're also rolling out: ▣ A debit card with up to 6% cashback (10% if you do direct deposit) - all paid in XRP ▣ 4% interest on USD deposits with $2.5M FDIC insurance ▣ Tokenized deposits coming in 2025 - real dollars on blockchain with full banking protections and 24/7 access Nancy also talks more about why Uphold never delisted XRP during the SEC lawsuit and how they work directly with the community to build what people actually want.
16:44
beyond_broke's profile picture

I sat down for an interview with nancy beaton US President of Uphold and she drops some serious alpha In this interview, Nancy walks through some products that are actually solving real problems for crypto holders and shared the news that Uphold is launching a DeFi lending pool with Exactly Protocol in Q4. But that's just one piece, as you may have heard, they're also rolling out: ▣ A debit card with up to 6% cashback (10% if you do direct deposit) - all paid in XRP ▣ 4% interest on USD deposits with $2.5M FDIC insurance ▣ Tokenized deposits coming in 2025 - real dollars on blockchain with full banking protections and 24/7 access Nancy also talks more about why Uphold never delisted XRP during the SEC lawsuit and how they work directly with the community to build what people actually want.

Jake Claver, QFOP

167,323 views • 9 months ago

Want a truly anonymous payment? Cash or gold. That's the list. Every major 'privacy coin' has a backdoor, Monero would likely fold to a federal subpoena. Anonymous payments on a public, permanent ledger is a contradiction. The data sits there forever.
0:46
beyond_broke's profile picture

Want a truly anonymous payment? Cash or gold. That's the list. Every major 'privacy coin' has a backdoor, Monero would likely fold to a federal subpoena. Anonymous payments on a public, permanent ledger is a contradiction. The data sits there forever.

Jake Claver, QFOP

25,314 views • 1 month ago

So you've got XRP sitting on your cold wallet, you want to protect it, you set up an LLC...makes sense. And now everyone's telling you to buy another wallet, send it off the exchange, do all this complicated stuff.. Here's what to actually do. Leave it exactly where it is. Use the crypto as your initial capital contribution to the business. You list it on the capital contributions page of your operating agreement. Wallet address. Which asset. How many tokens. The dollar amount on the day you transfer ownership. Get that notarized. That's your timestamp. That's your proof. Every single LLC can hold crypto this way. Except... if you're using one that already exists. Say you've already got an LLC in Wyoming, but that LLC is also managing your rental property. Now there's liability attached to it. Someone slips on the stairs. They sue. And in a state like Florida with weak creditor protection, they can come for your crypto too & the thing that was supposed to protect your assets just exposed them Your crypto goes in its own LLC. Your real estate in another with the profits rolling up to a management company With Wyoming LLCs, you've got anonymity and creditor protection built in. If you're adding crypto to an existing LLC, you need new provisions in your operating agreement for digital assets It sounds like a lot. But once it's set up? You don't touch it. You don't move it. Your cold wallet stays exactly where it is
2:36
beyond_broke's profile picture

So you've got XRP sitting on your cold wallet, you want to protect it, you set up an LLC...makes sense. And now everyone's telling you to buy another wallet, send it off the exchange, do all this complicated stuff.. Here's what to actually do. Leave it exactly where it is. Use the crypto as your initial capital contribution to the business. You list it on the capital contributions page of your operating agreement. Wallet address. Which asset. How many tokens. The dollar amount on the day you transfer ownership. Get that notarized. That's your timestamp. That's your proof. Every single LLC can hold crypto this way. Except... if you're using one that already exists. Say you've already got an LLC in Wyoming, but that LLC is also managing your rental property. Now there's liability attached to it. Someone slips on the stairs. They sue. And in a state like Florida with weak creditor protection, they can come for your crypto too & the thing that was supposed to protect your assets just exposed them Your crypto goes in its own LLC. Your real estate in another with the profits rolling up to a management company With Wyoming LLCs, you've got anonymity and creditor protection built in. If you're adding crypto to an existing LLC, you need new provisions in your operating agreement for digital assets It sounds like a lot. But once it's set up? You don't touch it. You don't move it. Your cold wallet stays exactly where it is

Jake Claver, QFOP

132,732 views • 7 months ago

Everyone dollar-cost-averages IN. Almost nobody DCAs OUT. They hold for one more percent, then five, then watch it round-trip and swear they'll catch the next top. Every time I've gotten greedy it bit me. Have an exit plan before you need one.
1:51
beyond_broke's profile picture

Everyone dollar-cost-averages IN. Almost nobody DCAs OUT. They hold for one more percent, then five, then watch it round-trip and swear they'll catch the next top. Every time I've gotten greedy it bit me. Have an exit plan before you need one.

Jake Claver, QFOP

42,884 views • 2 months ago