Podcast Summary: The Money Mondays – “Crypto to a Million & AI to Infinity with Matt Morgan”

Host: Dan Fleyshman
Guest: Matt Morgan
Episode: 149 (Nov 25, 2025)

Episode Overview

In this high-energy episode, Dan Fleyshman welcomes entrepreneur and investor Matt Morgan back to The Money Mondays. The conversation explores three core pillars: making money, investing money, and giving money to charity—with timely deep dives into the explosive growth of crypto, the future-shaping force of AI, personal finance habits, and even biohacking and longevity. The hosts draw from personal experiences and give actionable advice for building wealth and freedom in a rapidly evolving economic landscape.

Key Discussion Points & Insights

1. Matt Morgan’s Journey to Success

• Background: Grew up on a Montana farm, moved through several major US cities, and made his mark in the cannabis sector, building and exiting companies worth over $1 billion by 2020.
• Current Role: Passive investor and advisor, focused on tech, crypto, and select cash-flowing businesses.

2. Why People Get Stuck Financially

• Main Barrier: Fear.
  • Matt Morgan (03:01):

    “If you interviewed everyone on their deathbed, they would tell you their biggest regret is not taking more chances in life.”

• Psychology of Complacency: The lure of a steady paycheck and security keeps people from chasing bigger opportunities.

3. Lifestyle Inflation & Overhead

• Ego & Social Pressure: As income grows, so do expectations to acquire more; luxury goods often used to "stroke your ego."
  • Dan (04:22):

    “You will not care emotionally about your third watch...your fourth car… you will never even visit your fifth bedroom.”

• Cautionary Advice: Enjoy your first big indulgence, but recognize material things rapidly lose significance.

4. Crypto as the Future of Wealth

• Why Bitcoin?
  • Hedge against fiat currency inflation.
  • Programmable scarcity (21M max supply).
  • Matt (07:55):

    “It’s the first time technology has ever allowed us to have a fair monetary system.”

• Asset Allocation: Morgan’s focus is almost exclusively on top cryptos and tech stocks, expecting exponential growth (potential for Bitcoin to $250k–$500k in 2026).
  • Matt (10:05):

    “Crypto is the fastest appreciating asset in human history. As liquidity shifts, crypto is the prime beneficiary.”

5. The Rise of AI & Its Integration with Blockchain

• AI’s Coming Wave:
  • Disruption of traditional jobs (“AI is going to come for your job, and your job, and your job…” — Matt, 11:39)
  • Creation of autonomous AI agents, which will transact and operate natively on blockchain rails.
• Why Crypto & AI Are Interconnected:
  • AI values logic; only finite, programmatic currencies (i.e., crypto) make sense for it.
  • Blockchain as infrastructure for transactions, identity, asset ownership.
  • Matt (13:25):

    “There’s no version of AI ever accepting USD… only payment form it’s going to accept is cryptocurrency.”

Notable Demo: Callie, the AI Agent (14:12–17:05)

• Dan demonstrates ACTI and its AI “Callie,” which answers questions about Matt’s business, investing advice, and even handles personal matters with surprising empathy.
• Both hosts marvel at the emotional intelligence and breadth of knowledge, reflecting on how AI is rapidly surpassing human intelligence.

6. Navigating Investment Choices

• Risk Tolerance:
  • Know yourself before investing—high returns come with volatility.
  • Matt (21:06):

    “When I invested in something I knew nothing about, I would almost always lose my money. As a subject matter expert, my odds went up exponentially.”

• The Volatility Paradox:
  • Volatility in assets like Bitcoin deters institutions and hands opportunity to retail investors.
  • Matt quoting Michael Saylor (23:17):

    “Volatility was a gift…if Bitcoin appreciated 2% every year, Warren Buffett would own it all.”

• Diversification:
  • As crypto matures, Morgan plans to reallocate into stable, cash-flowing real estate.

Actionable Advice

• Study obsessively—free tools (YouTube, ChatGPT, Google) can accelerate expertise.
• Asset allocation must align with personal comfort and temperament.

7. The Role of Charity in Business

• Corporate Responsibility:
  • Companies, especially the “magnificent seven” big techs, have a moral obligation to redistribute wealth.
• Why It Matters:
  • Government alone can’t solve inequality—corporate philanthropy helps balance the scales.
  • Matt (26:39):

    “The only way to round out a capitalistic environment is to have these massive, powerful corporations funnel the money back down.”

8. Biohacking and Health: The True Wealth

• Personal Transformation:
  • Burnout drove Matt to explore longevity; now integrates cutting-edge biohacking (NAD+, stem cells, gene therapy).
  • Quote (29:38):

    “Healthy man has a thousand wishes and a sick man has one.”

• Why It Matters for Wealth:
  • The average lifespan is rising—young people today may live to 100+ and must plan financial security for a multi-decade retirement.

9. The Ultimate Goal: Freedom

• Parting Wisdom:
  • Chase freedom, not things.
  • Matt (33:56):

    “Freedom is the ultimate luxury. Not the cars, not the houses, not the PJs, the watches, that stuff.”

Notable Quotes & Memorable Moments

• On Fear and Regret

  • Matt (03:01): “Fear is by far the biggest driver why people don’t ever get to the next level.”

• On Lifestyle Inflation

  • Dan (04:22): “Go get the watch, go get the car. But please, please, please, take the money that you were gonna buy the third car with and put it back into your company or buy some Bitcoin.”

• On Chasing Highs with Material Goods

  • Matt (05:50): “You’re always chasing that same high and it never comes again. It’s like a drug.”

• On Bitcoin’s Unique Value

  • Matt (07:55): “This is literally the first time in history where there’s a monetary system where you know exactly how many there will ever be for the next million years.”

• On AI, Blockchain & Wealth Transfer

  • Matt (13:25): “As AI takes over 90% of the job force… [and]only accept crypto… it’ll be the largest transfer of wealth in human history.”

• On Learning & Investing

  • Matt (21:06): “The more information you have to assimilate, the better chance you have of being successful.”

• On Freedom

  • Matt (33:56): “Freedom is the ultimate luxury.”

Timestamps for Key Segments

• [00:51] – Matt Morgan’s 2-minute bio & background
• [03:01] – Main reason people get stuck financially: fear & comfort
• [04:22] – Host’s personal reflections on materialism and lifestyle inflation
• [07:55] – Matt’s case for bitcoin as a superior store of value
• [09:37] – Asset allocation: Bitcoin vs businesses, real estate, stocks
• [11:39] – Impact of AI on the workforce & interconnectedness with crypto/blockchain
• [14:12–17:05] – ACTI AI agent “Callie” demo
• [21:06] – The importance of expertise in investing; matching investments to personality
• [26:39] – The necessity of charity and corporate giving
• [29:38] – Matt describes his health and longevity transformation
• [33:56] – Final wisdom: freedom over material goods

Where to Find Matt Morgan

• X (Twitter): @MatthewMorgan23
• Instagram: @heMatthewMorgan

TL;DR TAKEAWAYS

• Take risks, but do so intelligently—wealth favors the bold but educated.
• Material goods provide fleeting satisfaction; invest for freedom and fulfillment.
• AI and crypto will reshape the world—prepare by learning obsessively and staying agile.
• Take care of your health; the wealth you accumulate needs a long, vital life to enjoy.
• True wealth is freedom—the time and ability to do what you want, when you want.

For more real, actionable discussions about wealth, investing, and life, catch “The Money Mondays” every week.