Elon Musk Thinks Your Money Might Be Pointless
Not Poor. Not Broke. Just… Irrelevant.
Elon Musk recently reacted to the idea of creating $1,000 investment accounts for newborns.
His response wasn’t about returns, interest rates, or inflation.
It was darker.
And weirder.
His take:
By the time those kids grow up, money might not matter at all.
Not because of bad investing.
Not because of economic mismanagement.
But because the rules themselves could change — fast.
According to Musk, there are really only two futures.
No slow middle.
No “business as usual.”
No gentle glide path.
That’s the unsettling part.
Future #1: Collapse
This isn’t a stock market crash.
It’s the “your money exists but doesn’t help” scenario.
What collapse actually looks like
Supply chains fail
Institutions stop working reliably
Systems become unpredictable
You can pay — but still not get what you need
Money doesn’t disappear.
It just stops solving problems.
Real-world examples
You have money for medication, but it’s backordered indefinitely
A school has budget approved, but hardware lead times are 18 months
A business can pay vendors, but vendors can’t deliver
In this world, wealth shifts from money to resilience:
Cash becomes a receipt, not a guarantee.
Future #2: Extreme AI Abundance
This is the opposite direction — and just as disruptive.
Here, AI and machines do most of the work.
Production scales insanely fast.
Costs collapse.
Scarcity economics starts breaking.
What “money matters less” looks like here
Many goods and services become absurdly cheap
Labor stops being the main bottleneck
Work becomes optional for large parts of society
The limiting factors become compute, energy, and control, not cash
You don’t “get rich.”
You get access.
Examples you’re already seeing
Software and content costs trending toward zero
Design, coding, and research becoming commoditized
Services being partially automated
In this future, money still exists — but it’s no longer the star of the show.
The Real Question in Both Futures
Collapse and abundance look opposite.
But they share one uncomfortable truth:
Money is not the power.
Control is.
In collapse, control means continuity.
In abundance, control means distribution.
Either way, wealth stops being “how much you have”
and becomes “what systems you can touch.”
Why Elon Says There’s No Middle Path
This isn’t about doom.
It’s about speed.
Institutions move slowly.
Technology doesn’t.
That gap is where things snap.
Will there be a messy middle? Probably.
Will money vanish overnight? No.
But its importance may shrink faster than people expect.
The Takeaway (Without the Sci-Fi Soundtrack)
Money probably isn’t disappearing anytime soon.
But it may matter less than:
Access
Compute
Energy
Control over systems
Which means the real preparation isn’t hoarding cash —
it’s reducing dependency, increasing optionality, and understanding who actually runs the machines.
Final Thought
If money stops being the answer, the question changes.
And the question becomes:
Who decides who gets access when machines create everything?
That’s the future Elon is really pointing at.
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