Exposing the World's Youngest Billionaire
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- Опубликовано: 3 янв 2023
- After coming across an article claiming to have found the world's first 20 year old billionaire, I began doing some research.
INSTGRAM
/ spencercornelia1
EMAIL
spencer0cornelia@gmail.com
A billionaire arguing with you over texts is hilarious. Sounds like a valuable use of his time
Have you seen Elon and Trump? Lol
@@GamerGuy51The difference is, those two’s comments are public so they can state their point for everyone to see and judge.
This pseudo billionaire kid is arguing in private with someone he doesn’t even know. No legit billionaire does that.
He’s the youngest billionaire ever. Cut bruh some slack 😂
@@GamerGuy51 good point lol
@@kovy689 is there a rule book that says if you do that, you're not a billionaire?
"he made $123 million"
damn he wasn't even creative to come up with a better number than those first 3
This kids mind still has 123 nursery rhymes in playing in his head. What a dumbass😆.
He actually made $123,456,789 lol
I got 1 2 3 Ms in my bank account
$123 million on his way to $456 million 😎😂
No billionaire DMs on Instagram or keeps that liquidity in a bank 😂 (Source: interactions with multiple billionaires in multiple decades)
a rare low-key OG in the comments 💯💯👋🏿
its so funny hes trying to flaunt that becuause 99% of the 40bil is not FDIC insured
@@pacepicante6952 you joker😂😂😂
Facts. Also, ive seen theres a certain threshold if you have x amount in your bank, where youre sent a 2 or 3 step process where face ID just cant just automatically log you into those apps.
Another source is just common sense.
That security guard with the airsoft gun is killing me 🤣🤣🤣🤣🤣
How brazen do you have to be to pretend to be a BILLIONAIRE?! 😂
He has balls, I'll give him that.
the insanity that's what. like medically insane and need to be in a mental facility.
I know right😂. He couldn't start with being a fake millionaire, dude went straight to the billionaires club. Kids these days, too impatient🤕.
*Speedrunning life any%*
Full on Cognitive Dissonance
Seriously, he could just say millionaire or just making a few hundred thousands. Love that you poke holes through everything
Bro. Anyone with an hour and access to the internet could have poked them holes lol
IKR! We've seen countless random people become millionaires through chance encounters (like people who started selling just the right item during lockdown), so it's not beyond the realm of possibility if someone comes out claiming it. Billionaire is just laughable though.
When your heroes are Grant Cardone and Gary Vee, you're already screwed.
whats bad about garyvee? its legit, good advices, awesome marketeer
@@simaopacheco4529 he sold alcohol...not teddy bears.
@@simaopacheco4529 just a hustler fraud like the others
@@TheCastedone 🤣🤣
He said “bro that looks like me” and Siri didn’t even pull up a pic 🤣
As a Realtor, seeing the amount of work folks who make $100k-$200k have to go through is insane. Can’t imagine the vast pile of paperwork while making $100M 🤣
With that money, you can easily hire people to do it for you.
It’s competitive market when there too many Agents around I highly doubt many people even make 80k or 90%
Spencer going back to what really blew up his channel, I'm here for this lol
Can't wait to see him take down his new fake Guru friends
@IronKore I really like Spencer but sometimes he let's some really shady people have a platform and some what legitimize themselves
@@IronKore for what reason?
How can anyone believe a young kid living in America just pops out of nowhere as a billionaire is beyond me…way to many red flags holy hell
That's exactly it. People both young and old will actually believe this kid. Not enough people with an IQ high enough to see through these internet facades.
"More red flags than a Chinese New Year parade." CGA
Nobody ever believed this kid. What are you talking about
@@allegorx58 😂You have too much faith in humanity.
Right. Lol no way anyone believed this.
Idk why but the way the security guard is holding the gun is so funny
The gun looks fake AF!
Cause he's a billy badass who got his training from Modern Warfare military academy and bought a 600 dollar palmetto AR with a knockoff eotech.
@@SpeedyDePalma you're a low IQ individual hating on a random security guard paid to stand there while making a bunch of assumptions about the rifle
he is listening very carefully to the interview
@@SpeedyDePalma palmettos work
A “discount onlyfans girl” 😂
Pretty sure you can hire a freelancer to create a functional app mockup (working UI but no neal functionality) of the banking app. Also curiously, there already IS a "mobile banking simulator" by bank of america. So maybe they swiped the code for a mockup from there. There are a few other ways as well like: Rebuilding the Bank of America UI as a hosted website, then saving the website as an app (app = link to website in this instance) on your homescreen.
This is exactly what he did
He can just build 1-3 pages in his app since that’s all he showed and make a dev app loaded with either testflight or expo with react native
are you saying mikki is a fraud?
Yeah, this is pretty much what that anti scam call channel does. It's maybe three days worth of work at best.
This.
Keep digging, Spencer. Your hard work does add value to the viewers.
Didn't do it for that tree sponsorship
He is a fake anymore coffeezilla and that other guy can't remember his name are the last real ones. Spencer use to be real now he is a snake.
@@Locoking420What happened to him?
@@Locoking420 why u care so much lol ? Stephen refunded the money to those who used his referral code
@@bryanobeso3521 well I care because this is literally been his whole Mo was to stop scammers and then for him to turn around and start defending them is a bit humorous. Coffee Zilla is one of the last real ones
It could be that he built a fake banking app but instead of having it connected to a real banking server the app is just static and he enters whatever value he wants to and that will show up whenever he opens the app.
yes, there Is a app for this.
And cash app doesn't even let you send $100,000 at at one time. I want to say there's a limit for the full month of like 15 or 17 thousand or something like that oh, so you would have to send different payment of like 2,500 out of time until you hit the maximum allowed amount which is like 17,000 on cash app
@@jamesbroomfield7799yes it does. You just have to keep sending x amount. They’ll always up your limits
to spencer:
you can easily fake it with simple scripts, you can use Tempermonkey extension to automate things/hold your scripts and execute them,
so when he visits that page/domain, he can easily target html elements and change them however he wants, everything the javascript programming language allows you to do on a page
which in this case would only require changing a few numbers
never trust anyone refreshing their browser, it means literally nothing if they have scripts running in the back
edit: someone said it's an app on his phone, then this above doesn't count at all, but, he pressed an icon with bank of america image, doesn't mean that's the real app he opened, could've been a fake shallow copy
Hadn't thought about just editing the page but makes since.
it was an App on his iPhone though
@@AnesuC for all we know he pressed an icon of bank of america that opened something that could've been a shallow copy fake app
isnt this what the indian telemarketing scam centers do as well?
@@AnesuC or just something side loaded. Building a visual clone wouldn't be that hard.
He's using cloned apps. They're not the official app but they look identical. That's how you can show fake account balances.
Yup, then In the screenshots he inspect Element and put it on mobile mode then send the screenshots
Faking the accounts was easy, I think. He showed himself pretending to log in and turned the phone away to "protect his password." Meanwhile, I'm sure he pulled up a fake document he had created (that part is easy) and scrolled through it when he turned the phone back to the camera.
@@ianstallings Yeah! I think a youtube made a short on how he got money off scammers and he was using a "fake cashapp" I'm guessing he put together himself.
@@wadecapitalmgmt1169 On an iPhone? No.
You could just spend a night and code a fake app from scratch
@@berkeliumk I don't know anything about coding, but I know I could photoshop something similar to what he showed in a couple of hours, or pay someone $50 to do it for me.
@@wadecapitalmgmt1169 didnt say he was a real billionaire, i just said what you suggested was dumb and wrong.
I know he is an adult so he needs to take responsibility for his actions and bear the consequences himself. However, I couldn’t help but to feel sorry for him. He is making such bad decisions at such a young age that are going to stick with him. This kid’s values and priorities are all out of whack. He thinks that money will make him happy, even if he sacrifices his integrity. He hasn’t yet learnt that *how* you make your money is just as - if not more - important than *how much* money you make. Anyways, good work, Spencer 😊
It is unfortunate because all of these kids are learning from people like Logan paul, thinking you can get rich off of doing nothing. Which you can, but people won't like you much
No father figure.
gen z is by far the most fd up generation to exist
@@SandorSopteireally? Y'all see anything and blabbering genz this genz that. Previous generation did way hideous things.
Yessir Spencer’s content even more sophisticated than it has been 🥂 🥂 lovin the new thumbnail and set
He's apparently already deleted all of his social media accounts 😂
Oh damn lol.
He played gta 5 and did the billionaire money glitch, and thought, " What If I do this irl"?😂
Thanks for sharing this!
The video quality and editing here was really solid!
If "fake it til you make it" was a person!!
Connor you missed the funniest part!!! His chase account was overdrawn -$145 but yet had 900 million in another acct? Also his credit card balance is low af for a billionaire!
Connor😂
Bro ur just seeing it wrong
@@jonathanginofilippi what am I seeing wrong?
Whats crazy is these days I am sure there has been more than a few personas that have found success using this "fake til you make it" technique. Sometimes I wonder how many celebrities are sociopaths that were a few missteps from screaming at you in a Target.
Always great content
9:46 How does he have so much money in his Chase bank account, but let his shit go into overdraft $145.56?
I don't know one banking app that doesn't require a PIN or verification of some sort before it pulls up your account. And I know for a FACT BOA doesn't allow this.
@9:45 Claims to be billionaire still overdrafts with -145.56 checking account balance 😂😂
His accountant had the day off that day, and mistakes were made.
That “social media portrays a false image line” at 10:20 was too perfect 😂😂
Login to bank, find amount in source code, change source code. Congratulations you’re a billionaire
Could be a fake BOA app, pay someone to build an app that basically looks like BOA and just loads that page with those fake balances.
Fake screenshots.
Plus Deep Faked videos. Nowadays it’s easier to “photoshop” videos. Seen many times on these Terrible YT ads. You can see the finger movement doesn’t sync with the phone they’re (video) scrolling with
@ Nick tank it’s just a fake app it’s what scammers are doing now days with cash apps . Very easy to make anon functional app
Can easily edit HTML for fake screenshots
Amazing reporting once again Spencer, this is why I follow this channel
Any reasonable person with that type of money would be a quiet as possible. Not trying to flaunt anything
At 9:46 when he’s showing the BoFA account, the very top says that this month his account had a net inflow of $3,100 and one of his checking accounts is overdrafted by $145.
If this is the secret to wealth, then I have some spending to so
Edit: 10:28 shows another screenshot from a week prior of the overdrafted account having $40 Billion in it…
$40B 🤣🤣
@@MaxxSend We just aren’t grinding hard enough, on the upside AND the downside 😔
Love these type of videos
So... His BOA app showed 2 accounts. One was a checking account overdrawn by $145.00, and a Credit Card with a balance of $4500. The other account with the high balance appears to be a "CPC" Checking Account. That might be a Chase Private Client account, which would be odd considering he was looking at BOA accounts. Strange.
He was showing his BOA and Chase accounts, but the clip was split up by Spencer. Still super suss with a negative account likely causing a fee and negatively impacting his overall standing with the bank 🤣I wonder how he faked it!
I feel like that’s a money 101 thing. Never put all ur money in one account if ur a millionaire/billionaire * I always liked money since I was 8 & wanted to invest. Still haven’t at 23 but knowing never to put all ur worth into one or two accounts was the first thing that made sense as a kid.
Too funny man 🤣🤣🤣
It’s like when kids lie to older ppl, no one else believes it bc it’s so obvious but to the kid & similar thinking ppl it’s 100% true 😂
The kid got on a social media podcast bc unlike real shows, they don’t do research
great story:)...lol...keep going Spencer! long time fan:)
Keep up the good work 🙌
That paid actor in the Halloween SWAT costume was constantly looking at his "boss". I'd wager that if that was a real bodyguard, private security guy with training, would scan the room, like a professional, observing everybody, not just that 20 years old Illionaire. (not a typo!)
Yes.. Also you wouldn't stand there in a corner being blocked by a chair, having your view of the are restricted and holding a rifle like you got a mental illness. You would want to place yourself so that you have a clear sight of your entry way and your asset. And for close quarters like this you would be better off with a handgun because it would be way easier to maneuver.
@@wingedhussar5528 Funny additional observations! 😁👍🏻
So much fakery...
don't forget to call out your friends too, Spence
Almost 500k keep it up man! You will grow exponentially with your content and delivery. Never a dull second You are the REAL DEAL✌🏻
Spencer straight clowned him even in the IG messages too. No chill 🧊
Another certified disjointed classic
At 19, I definitely wasn't this desperate.
Spencer, do you think you can do an exposé on Ben Chen? (The guy who went on a rampage in a Gemballa Mirage GT in NYC, only to get the charges mysteriously dropped.) The rumor is, his parents own Nike factories in Dongguan (Guangdong Province, China).
CCP bs, whats new
It’s president probably BS
There's a billion ways you can fake those accounts (pun intended). Some that come to mind are simply making a clone app with fake numbers or something like spoofing the services with a local proxy and return whatever you want it to display on the apps. Kinda like how those people that mess with scammers have fake bank accounts with fake money. It's probably justa clone app though.
You can make your accounts look like they have as much money as you want by manipulating the HTML script on webpages and take a screenshot. Phone scammers do this kind of thing all the time.
Love every video
You can go into the URL of the banking page and edit the amount to anything you want. That’s one way but I know you can do it a ton of different ways.
1 billion over 2 bank accounts? Doesn't the banks have an insurance thing that only 250k is insured if something happens lol
On my iPhone 14 pro and I think most the face recognition turns GREEN when confirming NOT BLUE. I’m pretty sure it was the same on my 11 and SE as well as 5S. As I recall, Bank of America is also Red when you login but maybe that could be changed, but the Face ID is definitely green and his turned blue. So I’d imagine it would be as easy as being a programmer or using something like Django where the code is auto generated and you fill in the blanks. You can easily make a functional program or app you could test on your iPhone.
Liked the video. One question, who cuts your hair Spencer ?
Spencer's face as an emoji he's got such a happy face all the time and for us that watches videos we know that he only is happy and smiling when he is just done something horrible to somebody even if that person deserved it
Maybe not an NDA exactly but I've done confidentiality agreements. They are to protect the realtor who brought the investor the deal, usually on off-market properties. You can't discuss the transaction with anyone outside the deal.
Same here. I've done deals with some actors and athletes on deals and basically it is just to keep it on the DL for privacy. When it is public record, then anyone can get it, but not many are scrolling county records.
@@GT-mn3bx Yea its actually very common on commercial properties. That is not to say Gavin isn't extremely suspect. He is. Just wanted to clarify that to Spence
I'll be honest, Forbes doesn't have all the billionaires on their lists, I know this for a fact & not everyone submits information or has public holdings that Forbes can get hold of to estimate their net worth, however, this is hella disrespectful lol Like why not go for millionaire-status first, why disrespect our intelligence with billionaire status😂
Two reporters who specialize in the Uber rich say that there are at least 50% more billionaires than magazines report.
@@geetee2694 Right, I know this because there are a lot of Nigerian billionaires that aren't on the list and prefer not to be on the list for obvious reasons. I'm sure there are more Russian Billionaires, Chinese billionaires, Middle Eastern too and even more in less developed countries. I know of one personally that I've met when I was younger and at least a handful that are well known in Nigeria but I haven't met & I'm just one guy so I can't imagine how many others are out there.
Their source of wealth btw were government contracts, oil, stealing government funds, corruption, agriculture etc... basically a mixture of all.
9:47 Him: "I have $932 Million in the bank"
Car behind him: "Dude, I'm not even with a 100 thousand. Why are my doors open?"
Apartment behind: "I"m not part of this, I'm just a random ugly building minding my own business."
Also T: Hey man, give me back my $200 or I'll chase you down the road shooting with my gang gang...
That's some good crack and speed these guys are ingesting^^
When it comes to the cash app transactions, there’s a way scammers send cash apps with airplane mode to show it’s sent but it never does and get victims to “return” the money which in reality they’re just sending their money to the scammer
I believe his cash app with a fake app that mimic the real cash app because I'm pretty sure you can't send 100K in one installment on cash app
I don't think you can even send 100k at once on cash app. There's definitely a limit. There's probably an app available to fake transactions.
the way buddy’s holding that gun he won’t be able to protect shit 🤣
One possible way (but more technical) would be his iPhone is jail broken and has something similar to fiddler installed allowing him to intercept his own traffic and send any number he wants to the app instead of the real number. Though, I’m sure if you have even a few million in your bank account your bank would be calling you lol
Several ways you can fake it
1. Make an app that looks like it using unity or other software (easier than you think)
2. Change the HTML on the web browser using inspect
3. Photoshop
4. Adobe After Effects
"How much money do you make?"
*thinking* "uhhhh 1,2,3?.... 123 MILLION!!"
And here you are. Making videos on him. Exactly what he’s aiming for. He got you and your almost half a mill subscribers.
These kids probably just moving weed lol
The Bank Of America app opens to the logo even if you do not have a connection. Notice how he did not tap any of the buttons in the app page.
I love the way Spencer says guru
It’s possible he could be using an Apple Developer account to sideload modified or fake apps to his phone that look legit. He could save the banking app from his phone to his computer, then replace the region of the app that pulls account data with an image that shows whatever account balance he wants.
Maybe it's different in the US... but where i'm from, in my bank's mobile app, you need to verify (log-in) each time you open the app, either with password, one-time generated pin, fingerprint, retina scan, or face scan.
He didn't use a damn thing to log-in.
There is a chance that he may have a dummy app, made to look like the original.
I have in my bank accounts a lot less (slash 4 zeroes) and i have a private banker (person of contact at the bank) and they call me regularly to invest/move my money around. Also, they are distributed between multiple accounts (local currency, EURO, multiple deposit accounts, investment portfolio).
With the amount this rug-rat is claiming he has in a SINGLE account the CEO of Bank of America would personally come to him to present investment options.
Its the same, bank apps will ask for login info or biometrics when you open them
Hell, I know people with like 10k in savings that are more diversified than this so called billionaire haha
Bare glimrende, Spencer, tommelen opp og fortsett det gode arbeidet.
Lol at 9:45 his checking account shows $932 Million but there is a checking balance of -$145.56. Lol I guess he had to take out enough to buy everyone in the US dinner? Lol
Great story keep up the content.
I Love this channel 😂
The fake bank account and fake cashapp can be done via coding fairly easily
The cash app thing, I'm pretty sure it's his own accounts but he called them different names. There are cons out there I learned about where a con man would pretend to send them interest payments through an organization, but it was just a name on a checking account. There is nothing stopping you from naming your checking account or business account however you wish and I'm sure for cash app you could make a bunch of accounts that all route to you. Lots of apps let you have multiple aliases as an option.
This kid looks like he hustles vape carts 😂😂
Hey Spencer. For the bank accounts you go in and right-click. Hit inspect and you can edit the numbers to show whatever amount you like.
That's on PC. He probably got someone to make a custom app for him. It's not hard to rip the UI from the original code.
Even easier to expose they are BS in real world transactions.
bro barely even thought it through to have a solid story when someone asked how he made his money😂
Actually if you sell real estate most brokerages will charge 3% on both sides. Not to mention most real estate agents aren't rich. They live by commissions, they are mostly broke until they own a brokerage and hit a good grind
This can be faked in an app using a man in the middle on the network. For example, you could connect to your wifi network and intercept the traffic matching the url/endpoint which retrieves that data from Bank of America and then you can replace the values with whatever you want. It's not as simple as using a script to change elements on the page as I have seen others suggest, but intercepting requests like this and faking their responses is one potential way of accomplishing this and the same method could be used for the fake cash app money sending. Admittedly it requires a fair bit of technical skill and a number of apps like this may have SSL certificate pinning to protect against these attacks from attackers (aka not when you're intercepting your own traffic) but I'm pretty confident it was something along these lines.
Spencer showing how using one's brain and experience can cut through junk in any area.
I know a trader in south africa that logs into his bank that shows 90 million but can't show slips for purchases. the thing is that he's been doing that for years.
Dude tried the ol "she goes to a different high school" meme but forgot that that con went the way of the 8-track like 20 years ago because of a little investigation tool called the internet.
High net worth individuals usually will have a private banker one example would be Chase private banking. Which allows greater access to higher lines of credit and or loans.
White Boy Spencer Happy New Year 👍🏽
The phone he showed in videos is an iPhone XR. Those can be jailbroken (on older iOS versions) and you can modify files on your phone to say whatever.
LMAO the bank account screenshots kill me, banks only insure up to 100k no idiot will have all of that money in one spot 🤣🤣🤣🤣
That fake chase app balance made me spit the water I was drinking 😭🤣🤣🤣🤣
Kids will always expose themselves the bank account stunt is clearly sumn a kid would do 🤣🤣…most kids do the dumbest shit thinkn they can fool adults but they only make it worse
He hired someone to build a fake banking app that mimics the real one.
As a software engineer it would take about 4 - 8 weeks depending on how many features you need to replicate to make it look legit.
This is the same philosophy used by fishing scammers that spoof websites.
4-8 weeks? I could crank out that simple fake BoA app in SwiftUI and get it live on my device with TestFlight in 4-8 hours 😅
For webpages you can just edit the html in your browser to fake the screenshots. There's an analogous setup for mobile apps that's a bit more involved but you can make the visual scaffold of an app relatively easily (Face ID integration etc. are probably in widely available libraries) you just wouldn't have a real banking app. Perfect for screenshots. There's a guy who did something like this to scam scammers. He'd show them a screenshot of a cashapp transaction to get them to send him some money. It was actually just a cahsapp UI clone.
"look at all the money I got bro" *shows phone with a bank account but doesn't show the actual transactions*.
That “podcast” was ridiculous 😂😂
This guy legally changed his name to "First Twenty Years Old Billionaire" for that Siri search 😂😂😂
"bro that looks like me" 🤣🤣🤣🤣
Spencer, it's just pixels on a screen.
You can make the phone display anything.
Look for a tool called Frida for Android.