Why Most Investors Fail (And How to Fix It) | Q&A

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**Michael Zuber** (0:30)
All righty, folks, I love this segment each week. It's where Mark, the financial firefighter, goes through the comment section, and he takes out the spicy, the ones that maybe need to go a little bit deeper. And yes, it's fair. He likes to piss me off on occasion.
So we'll see how he does this week. Let us know in the comments below. Feel free to ask questions. It's always fun to see where he takes us on this path, this journey.

**Mark** (0:54)
Yeah, it's a little bit more different. You're doing something different also on your channel too, right? After your lives, you're throwing it right on the video side. So it's a little bit different finding the comments. But this one I found in your video with Casey, Brick by Brick, The Truth About 8% Mortgage Rates.
This individual comment you gave Adam, Adam Taggart, crap for having so many doom and gloom thumbnails and doomsday guests. You are starting to do the same thing with your titles.

**Michael Zuber** (1:24)
That is completely incorrect. If you've bothered to click on the video, we just answered what would happen if we went to 8% mortgages.
To say that I'm doing what Adam Taggart does is insulting both to him and I, right? We are not the same. We are absolutely not the same. And he's very good at what he does. I think he got over a million views the last month or two. So whatever Adam's doing is working.
I choose not to follow that strategy. I'm not someone that wants to lean into the wrapper of doom. And if you zoom out, yes, I may have a negative headline every now and again, but if you zoom out and look at our last 90 videos, to call me a doomer like Adam is insulting to me. So I'm not taking that at all.

**Mark** (2:13)
And one of his regular guests, Melody Wrong or Melody Right, she is definitely a doomer. But you did a recent video with Jason Hartman talking about the deep dive into mortgage fraud.
But this individual says, invite her on for a debate. Telling someone is wrong without them there to defend themselves is just not credible.

**Michael Zuber** (2:38)
So again, I have had Melody on. Again, I don't mind having alternative voices on the channel. In fact, I've invited them. Melody's been on my channel twice. She will never be on the channel again.
And again, the reason Melody is on so many channels, folks, is she is a money maker for the creator. I've done 18,000 videos. My top one and two videos on the channel, Earnings, are Melody Wright, and it's not even close. First place, 1,200, second place, 1,100, third place, 400 She's a money maker. That's why Adam and all these other channels bring her back, because she prints money. But that's not what I'm here for. I don't need the $1,000.
I don't need the $2,000.
I want to have a debate with somebody that's willing to admit when they're wrong. And that's why she's not coming back. She just leans into the next stupid statement, now talking about mortgage fraud and Monday laundering and all these other crazy PTSD things. I'm just not having it. If she's not willing to admit that she was wrong about 2024 collapsing 5%, the fact that she didn't admit she was wrong about 2025 collapsing 9%, the fact that she's now saying that it's not 50%, it's 38% and wrong again. If she's not willing to have that conversation about, okay, I honestly missed it. The reason I've been wrong for three years in a row is X, Y, and Z. Why the hell do you listen to her? Well, you listen to her because she gives you permission to do nothing. She gives you permission by feeding you chocolate chip cookies full of poison, and you all are eating it up and drinking a glass of milk. I'm not here for that. I don't need the money.
Adam can keep the money. Adam can go buy his million-dollar Toll Brothers house in Reno if he wants on Doom. I'm not doing it. I will never have her back. I asked her privately about basically trying to cover why she's been so wrong, and she became a raving bitch. So no, I am not having her back on the channel. Not happening.