The extractive wealth model is often masked in the clothes of the New Economy. The wolves in sheep’s-clothing range from network marketing companies that claim to help you become an entrepreneur to "manifesting abundance" with the Women's Gifting Circles. The presentation will feature illustrative diagrams that explain the difference between regenerative economics and extractive/exploitative economics (even ones that dominate our society). At the end of the slide deck you will be able to easily and quickly identify the toxic mimics and help your community avoid them.
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Toxic mimics in the new economy
1. Toxic Mimics in
The New Economy
Integrity Problems in the New
Economy Movement
2. Who am I and Why Am I here?
$millions are taken
from hands of low-
income families
I’m passionate
about ethical
finance
I’ve been involved
in sustainable
economics for
nearly two
decades
3. What is a toxic mimic?
When this
Is masked as this
5. Two Types of Integrity Issues
Structural
Personal
6. I was invited to a “Gifting Circle” called
“Women Empowering Women”
A close group of women
creating abundance together
Money
Sisterhood
Trusted Friend
7. How the Gifting Circles Started
Dessert
The circle I was invited to used a “dinner party” theme to differentiate the levels
9. And with weekly “abundance calls” they
found four “Salads” who also gave $5,000
Dessert
Tally = $30,000
Entrée
Salad Salad
Entrée
Salad Salad
Tally
7 women
$30,000
10. And with all the good vibes they found
eight “Appetizers,” each gave $5,000
Dessert
Tally = $70,000
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Round 1
15 women
$70,000
12. DessertDessert
Receive $40,000
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Dessert
Receive $40,000
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
They split into two groups
Round 2
2 circles
30 women
$80,000
Tally in Round 2
31 women now involved
$150,000 “gifted” or invested
3 women have profited
NOTE: Appetizers pay $5,000
directly to Dessert. When
Dessert receives $40,000 she
steps off the “circle.”
13. Round 3
4 circles
60 women
$160,000
Tally – Round 3: 63 women now involved, $310,000 “gifted” or invested,
7 women have profited
Dessert
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Dessert
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Entrée
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Appetizer Appetizer
Salad
Appetizer Appetizer
Dessert
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Entrée
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Appetizer Appetizer
Salad
Appetizer Appetizer
Dessert
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Entrée
Salad
Appetizer Appetizer
Salad
Appetizer Appetizer
Then
Four
Groups
14. Round 4
120 women
$320,000
Tally– Round 4 - 127 women now
involved, $630,000 “gifted” or invested,
15 women have profited
Dessert
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Eight
Groups
Growth is Exponential
15. Round 5
240 women
$640,000
Tally– Round 5 - 255 women now involved,
$1,270,000 “gifted” or invested,
31 women have profited
Dessert
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16 groups
16. It eventually the demand for new
women exceeds human population
Round
Number
of Circles
Women
Involved
Cumulative
Dollars
Invested
# of women
who have
profited
# of
women
who have
lost money
% of women
who lose their
money
1 1 15 $70,000 1 14 93%
2 2 31 $150,000 3 28 90%
3 4 63 $310,000 7 56 88%
4 8 127 $630,000 15 112 88%
5 16 255 $1,270,000 31 224 88%
6 32 511 $2,550,000 63 448 88%
7 64 1,023 $5,110,000 127 896 88%
8 128 2,047 $10,230,000 255 1,792 88%
9 256 4,095 $20,470,000 511 3,584 88%
10 . . . 512 8,191 $40,950,000 1,023 7,168 88%
31 1 billion 17 billion $86 trillion 2 billion 15 billion 88%
17. Inevitably all exponential growth
curves go up and down
-
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1 3 5 7 9 11 13 15 17 19 21 23 25 27
Number of Circles
Number of Circles
18. Can’t it just grow forever?
Growth That Exceeds Resource Capacity Always Leads to Collapse!
Population
doubling time for
the Gifting Circle is
6 months.
Global population
doubling time is
approximately
25 years.
Not enough women
exist to meet demand
for new participants
19. But isn’t abundance infinite?
In the non-physical
realm, abundance
is infinite, for
example:
Love = infinite
Joy = infinite
The physical world
is finite: We are
limited by
population,
economy, etc.
It’s exciting to live in a finite world. It causes us to be more creative!
20. Pyramids Increase the Divide Between
Haves and Have-nots!
12%
88%
Gifting Circle Profit Distribution
Women who profit
Women who lose their money
At some point, the circle must collapse, leaving 88%
without ever receiving a gift. Not exactly equitable.
21. But isn’t this better than the 1% taking
all the wealth in the US economy?
The US
economy
Gifting Circle
System
No! The
Gifting Circle
is Worse!
23. The Product Argument: Price Markup Issue
Young Living: 5 ml
sandalwood =
$94.75 retail
($18.95/ml)
DoTerra: 5 ml
sandalwood =
$82.33 retail
($16.47/ml)
Mountain Rose:
7.4 ml sandalwood
= $48.75 retail
($6.60/ml)
Manufacturer charges = $3,600 per liter ($3.60/ml)
526%
markup
458%
markup
183%
markup
MLM
products
24. Scam or Not a Scam?
Coaching Industry
Spiritual Gurus
Transformational
Workshops
It depends on
personal integrity . . .
25. How to know when personal integrity
is in-tact?
Can the participant actually afford to pay for the coaching, workshop, or
seminar? Is it going to cause burdensome debt?
Is the leader/coach/teacher qualified (what degrees or training do they
have)?
Is it priced appropriately?
How are results measured? What are the metrics?
Was there a “hard sell”?
After the emotional hype has waned, does it feel like a scam?
26. Many women can’t afford to lose!
I heard about a
woman who
used her student
loans to join a
pyramid
One woman
cashed out her
small retirement
account to
participate
I know at least
three women
who have
borrowed money
to participate
Desperate
situations . . .
Make easy
targets
27. Why are low-income women targets?
Over 24 million
women live
below the
poverty line in
the US
25% of women
with infants live
in poverty
Only 6% of
mothers in
poverty receive
public
assistance
Women are desperate
for new economic
opportunities
That enable
them to
provide for
their families
Women need truly
sustainable economic
opportunities
Natural targets for scams
28. How to identify a toxic mimic:
Lack of
integrity
Personal:
Deception is
present
Structural:
Exponential
growth is at
the core
29. Money and Banking: The biggest
pyramid scheme
Debt-based currency with interest
rate assumes infinite exponential
growth!
31. The Biggest Deception
The
Federal
Reserve
Bank
It isn’t “federal”
– it isn’t part of
the government.
It’s a privately
held company.
It doesn’t have
reserves . . . It
creates money
out of thin air.
Just like the “Gifting
Circle” isn’t a GIFT or a
CIRCLE!
34. Economic opportunities for women are
growing
44% of coops are still in
business after 10 years, vs
19% survival rate for non-
coop businesses
Cooperative
Businesses
Social
Enterprise
Women’s
Entrepreneurship
Women will create
over half of the 9.72
million new small business
jobs expected to be
created by 2018
Women are
leading the way in
social enterprise and
outperforming
standard businesses
35. Lending
Circles
• (Savings
Clubs)
Sisterhood
Circles
• (Women’s
Groups)
Investment
Circles
• (Group
Investments)
Giving
Circles
• (Charity
Groups)
Women pool
their money and
make small-med
investments in
women-run
businesses.
Philanthropic
women’s groups
that pool their
money and give it to
a particular charity
or cause with a
501c3 tax status.
No financial
commitment,
but emotional
and spiritual
investment and
support.
10 people put in
$100/month and
at different points
of the year, each
person gets back
exactly what they
put in: $1,200.
And yes, there are sustainable Women’s Circles that
do economically empower women!
This is VERY different from the pyramid “Gifting Circle!”
36. There are lots of other ways to give, invest and
receive money that empowers women
Micro-
lending
• Kiva, Prosper,
Accion,
TrickleUp, etc.
Social Impact
Investments
• Investors Circle,
RSF Social
Finance, etc.
Crowd
Sourcing
• Kickstarter,
Indiegogo, etc.
Low interest
loans
• Small Business
Administration
• Rural
Development
This is a way
to legally
fund your
friend’s
project or
business with
a gift!
Women-run
businesses
qualify for
specific low-
interest loans
If you have
the money to
invest, Social
Impact Funds
vet new
ventures
If you have a
small project,
you can apply
for micro-
credit
37. How do we scale these solutions and
create plenty for all?
Maybe a new currency (metabolic
currency)?
Currency that matches the natural
rate of energy input on the planet?
How do we source it?
Based on an informed guess, hundreds of millions of dollars have been pulled from the hands from economically disadvantaged through toxic mimics
I have an MBA, Sustainable Management from Presidio Graduate School, plus I’ve been suckered and learned
I am passionate about radically re-envisioning our economy
“Each woman gives a gift of $5,000 to another woman to support her in financial empowerment and manifesting her dreams.” “Each woman moves through the circle, arriving at the Dessert position, where you receive eight gifts of $5,000, totaling $40,000.” I could turn $5,000 into $40,000 in just a couple of months – this could pay back my student loans or help with a house downpayment
I could have an amazing support group of other spiritual women – something that I have been missing in my life. “The Circle is a way to achieve personal growth, remove blocks to manifesting, and participate in a path to personal empowerment that teaches us to support each other on many levels.”
Most importantly, A close trusted friend invited me – she and I share a lot of the same values and perspectives on the world.
The first woman didn’t make any investment, but suggested that the women who followed her could earn 8x on their “gift.”
She asked them to “trust their intuition and disregard the negativity bias perpetuated by patriarchal nay-sayers.”
Each gave her $5,000, she promised that together they could bring more women into the group to give gifts and that they too could get $40,000.
Human Population = Probably Not Sustainable: Growth at our current rate of consumption of the Earth’s ecosystem resources will probably lead to ecosystem collapse.
Gifting Circle = Not Sustainable: The growth quickly exceeds economic resource capacity (ability to bring in new women at $5,000), inevitably leading to collapse.
Economic Limit: The total human population on Earth is 7 billion people and the value of the global economy is $69 trillion. It is estimated that the Earth can only support about 12 billion people and the ideal global population is under 1 billion. If everyone in the world lived like even the most economically disadvantaged in the US, we would need 3x the resources.
Gifting Circle Limit: At round 31 in the gifting circle, the number of participants required is 17 billion women, investing $85 trillion, exceeding our economic and human capacity.
Not being happy = looking for something more meaningful and purposeful – making dreams come true. Ought – too many shoulds . . .