Dumb money is a step-by-step, straightforward system that helps people to complete simple online tasks using a laptop or phone. It could help them earn an extra income.
Dumb Money has been designed with simplicity as its main goal.
Within, you will discover how to quickly get started with bite-sized task that can be completed within 30 seconds.
No complex setup. No marketing jargon. You don’t need to learn any complicated tools.
You should trust your gut instinct if you think something is too good to be real. The system that is being advertised is not a real miracle, but an old scam template, a marketing scheme built on false urgency and hype. We will expose the Dumb Money scam, explain why it is dangerous and tell you what to do if your account has already been compromised.
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Scam Overview
Dumb Money System, a system that promises easy cash flow through a “30 second phone ritual”, is promoted through advertisements featuring emotionally charged stories, dramatic testimonies, and manipulational sales tactics. Under the shiny exterior is a classic online scam.
1. Exaggerated Claims Without Proof
Dumb money makes big promises. For example, you can earn $10,000/month with little experience, without selling anything, without inventory and even if you don’t have any tech skills. These numbers are intended to get your attention and lower defenses. The truth? It’s impossible to verify that anyone has made such a lot of money using the system. The “proofs” that are provided on the site and in the advertisements consist of staged screenshots or vague testimonials. These are often anonymous and without names.
2. Emotionally manipulative Marketing
The sales funnel starts with an emotional video. An elderly person, a mother in financial difficulty, or a worker laid off is shown to receive a mysterious telephone notification. Then, a stranger appears to tell them about Dumb Money. This storyline appears in several variations of the ads. The goal is to create trust and urgency by making the ad relatable.
3. Fake scarcity, fake urgency
Scammers also use the classic countdown: “Watch this video before it disappears!” The video and site are hosted permanently and are only available as long people click through to buy.
4. You can find generic content for free
After purchasing, the user is usually granted access to a badly designed members’ area, which contains outdated and basic guides about affiliate marketing or social media sharing. These are not proprietary software systems. You can find them on YouTube, Reddit and blogs.
5. Anonymous Creator: “Matt Scott”
Matt Scott is supposed to be the creator of this system. However, Matt Scott does not exist outside Dumb Money. There are no LinkedIn profile, interviews, social footprints, etc. The lack of transparency in this case is a big red flag. Most legitimate entrepreneurs in the space have a verifiable online presence.
6. No Refund or Support
Despite vague references to a 60-day policy for refunds, many users reported that they were not able to get their refund requests answered. Contact information is often false or leads to dead email addresses.
7. Recycled Scam Template
This scam has a striking similarity to past online scams including WiFi Profits Cash App System and 1K a Day Fast Track. They all use the same marketing strategy: emotional manipulation through storytelling, exaggerated claims of earnings and vague statements about “AI-powered” tools and “secret systems.”
Scams and how they Work
The Dumb money scam is based on a psychological formula that’s followed from the initial contact through to the final purchase. The process is as follows:
Step 1: Targeted Clickbait Ads
First, you encounter the scam via an ad in social media — TikTok. Facebook. Instagram. YouTube. These ads show a cracked smartphone screen with fake notifications of payment or a senior person observing the “ritual.”
The captions are full of bait
Earn $500 by doing this 30 seconds per day.
You’ll be amazed at what this senior found out.
The news was broadcast, but nobody is talking about it.
Step 2: Landing Pages with Fake Verification
The ad will take you to getdumbmoney.com. Before you can access the content, a fake “CAPTCHA” — a “Verify that you’re not robot” screen — is displayed. This does nothing more than create a false security.
Step 3: Long, Empty Video
Then, you are forced to watch an annoying 25-30 minute video. This video includes:
Repetitive emotional stories
Secret loopholes in Income Taxes
Name-dropping ChatGPT or other buzzwords
No experience needed to make thousands
It is important to note that the video never describes what the actual system is. You are left waiting for information that will never come.
Step 4: The Hard Sell & Fake Scarcity
Then, you are shown a button that allows you to “Access Dumb Money Now.” This offer is limited and may disappear very soon. The narrator encourages you act quickly before the “big corporations” shut down this offer. Once again, this is a fabricated urgency intended to drive emotional purchases.
Step 5: Digistore24 Checkout
By clicking the button, you will be taken to Digistore24’s checkout page. The price? It is priced at $67 and is described as a once-off investment. Digistore24 manages the transaction, but is not liable for the legitimacy. They are just the payment processor.
Step 6: Access to Useless content
This area is accessible to Dumb Money Members after you purchase. This area typically contains:
Generic PDF guides
Outdated video tutorials
Affiliate marketing basics explained
Google can provide you with 10 tips in 10 seconds.
No proprietary system or app can earn you passive income. And no AI assistant will either. The “ritual”, as it is called, is merely a marketing hook.
Common Questions
What is Dumb Money System?
The Dumb Money system is a misleading, online course marketed under the name “30-second telephone ritual”, which generates passive revenue. The Dumb Money System is a repackaged fraud that offers outdated affiliate marketing strategies under the disguise of a revolutionary method.
Is Dumb Money’s “30-second telephone ritual” real or a hoax?
It isn’t. No, there is no “ritual”, which earns you money by using only your smartphone. The term is used as a marketing trick to create buzz around a product of low-quality and attract clicks.
How does Dumb Money work?
This begins with emotional ads that claim anyone can make $10,000/month, even without skills. The users are directed to a Digistore24 $67 course after a fake screen of verification and a vague, long sales video. The course does not contain any real system, but only generic advice which is available online for free.
Matt Scott is the Dumb Money actor.
Matt Scott is a fictional character that appears to have been used to narrate this sales video. He has no verified information online. Scam operations are characterized by a lack of transparency.
Is Dumb money affiliated with ChatGPT?
No. The claims made in the ads are false. OpenAI or ChatGPT (or any AI software) have no relation to Dumb Money System.
Can I return my Dumb Money purchase?
Possibly. If you purchased the product via Digistore24 you can ask for a refund by contacting their customer support. The results are not guaranteed as many users have had problems receiving a response from Digistore24 or getting their refund.
What will you get when you pay for Dumb Money
Buyers claim to have received access a members area that contains basic PDFs, low-quality video clips, and generic information such as referral apps, affiliate links and social sharing. The promised unique strategy and automation tool does not exist.
How do I report a Dumb Money scam to the authorities?
You can also report it by:
Your local consumer protection agency
You can warn others by using Trustpilot or forums that report scams.
Can you make money online legally?
Yes. Online income can be generated by freelance work, affiliate marketing, (done ethically), remote jobs, e-commerce, and content creation. They all require learning and time. Do not trust any system that promises easy, quick money with no effort.
The Bottom Line
Dumb Money’s “30-second ritual on the phone” isn’t a shortcut to financial independence. It’s an old scam, wrapped in a shiny box, designed to manipulate you, drain your bank account, and waste your precious time.
If someone had a foolproof method to make thousands per month by using a cell phone, they would not sell it for $67. If it was really foolproof, people would use it instead of advertising it.
Before investing in an opportunity that seems too good to true, do your research and be skeptical. True success requires effort and not shortcuts.
Keep in mind: If the offer sounds too good, it’s probably not true.
