The product marketed at getdumbmoney.com claims to help people make money quickly and easily using a so-called “30-second phone ritual.” With TikTok ads fueling curiosity, many people are now searching online for terms like “Get Dumb Money reviews,” “Get Dumb Money scam or legit,” and “Get Dumb Money complaints.” The flashy pitch is hard to ignore — an AI-generated narrator promises cash notifications on your phone and financial freedom, all with just a few taps.
But what is Get Dumb Money really offering? Let’s take a closer look. First though, I created a fully-researched YouTube video about this subject, for those who would rather watch:
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How Get Dumb Money Is Advertised
The first thing you might see is a TikTok ad featuring someone casually mentioning their newfound success with Get Dumb Money. These ads lead directly to a website, getdumbmoney.com, where you’re presented with a video that’s labeled as “restricted.” You’re prompted to verify you’re a human — though the so-called CAPTCHA is simply a deceptive image. This alone raises concerns about how upfront the creators are being.
The video itself is long, despite claiming to reveal a secret within “the next 60 seconds.” It features an AI-generated voice and promises that you’ll learn about a “30-second phone ritual” that supposedly causes your phone to start generating real income via notifications like “Your phone just made you $27.06.”
It sounds too good to be true — and that’s where skepticism is warranted.
What You Actually Get for $67
Upon purchasing the Get Dumb Money system, you’re taken to a members-only area. The lessons include a series of videos hosted by someone named Matt Scott, who is presented as a tech insider. But instead of a revolutionary system or an app, the product provides a series of basic lessons linking to various websites where you might be able to make some money.
Here’s a sample of what’s included:
- Links to cashback sites like Rakuten.com and Ibotta.com
- Recommendations to use missingmoney.com to claim uncollected funds
- Survey websites like YouGov.com and Swagbucks.com
- Gig platforms like TaskRabbit and Amazon Mechanical Turk
- Tutorials on setting up an LLC or doing freelance work
While these platforms are legitimate ways to make money, they’re freely accessible without paying $67. There’s no “phone ritual,” app, or automation that generates passive income, despite what the marketing implies.
Red Flags in the Get Dumb Money Sales Pitch
There are several concerns worth highlighting:
- Deceptive CAPTCHA Image: The restricted video page mimics a security check, but it’s just an image.
- AI Narration and Script: The promotional video uses an AI voice, contributing to the feeling that this isn’t a personalized or credible pitch.
- Fake Testimonials? The comments shown below the videos feature AI-generated profile pictures and generic praise that lacks credibility.
- Contradictory Claims: The video says the method involves no crypto, but the members’ area later includes a lesson on free crypto opportunities.
- God and Emotional Language: Like many similar marketing pitches, the video references God and personal hardship — tactics designed to build trust and emotional engagement.
Does Get Dumb Money Deliver on Its Promise?
In short, Get Dumb Money does not provide a real “30-second phone ritual.” The phrase is used as a marketing hook. Instead, what you receive is a curated list of websites and general money-making advice that’s widely available online.
If you’re expecting an automated system that generates income on autopilot, you’ll be disappointed. There’s no app, no special code, and no insider technique beyond common websites and platforms that most people can find on their own.
How Get Dumb Money Compares to Similar Products
The $67 price tag is notable because other products that resemble Get Dumb Money in structure and presentation have charged the same amount. In some past cases, buyers have reported unexpected additional charges after the initial purchase. While there’s no definitive evidence that Get Dumb Money will follow that path, it’s a pattern seen in similar products.
If you’re considering making the purchase, be sure to monitor your payment method closely and read all fine print.
User Complaints and Online Searches
As people begin looking into this product, search terms like “Get Dumb Money reviews,” “Get Dumb Money complaints,” and “Get Dumb Money scam or legit” are becoming more common. This reflects growing skepticism about the legitimacy of its promises. To date, the core complaint is that what’s delivered doesn’t match what’s advertised.
No one is disputing that sites like Rakuten or Mechanical Turk can offer opportunities. The problem is that Get Dumb Money advertises an easy shortcut — one that it does not seem to provide.
Is Get Dumb Money a Scam or Legit?
The answer depends on your expectations, but I do not recommend purchasing the product, nor do I recommend any similar products. Such promises offered by similar money-making products resemble those too good to be true.
With Dumb Money, if you believe you’re purchasing access to a magical money-making system that works in 30 seconds, you’ll likely be disappointed. If you already know about sites like Ibotta, YouGov, or MissingMoney.com, there’s little new information to gain here.
Technically, Get Dumb Money does provide content. However, it resembles other products that promise the world and deliver something entirely different. The use of marketing language that exaggerates or distorts reality is what makes this product feel questionable.
Final Thoughts: Proceed With Caution
Get Dumb Money presents itself as a revolutionary way to earn cash quickly with minimal effort. But the reality is far less impressive. It’s essentially a paid list of websites that offer minor income opportunities — nothing more, nothing less.
If you’re someone who likes to explore money-making platforms and don’t mind spending $67 to have them consolidated in one place, this product might still hold some value for you. But for most consumers, especially those looking for real results, it’s better to do your own research on websites like the U.S. Better Business Bureau (BBB) and Trustpilot, and to avoid the hype.
Editor’s Note: I utilized ChatGPT to help write this article. However, ChatGPT used the transcript from a well-researched YouTube video I created about this subject, meaning hard work went into the creation of this scam-busting effort. Scammers use AI to scam people. It’s time we use AI to bust their scams.
It’s a scam.
The promotional video for this “Dumb Money” program mentions a “super simple 30 second process” for people to make money with nothing but a phone and a couple of taps. Yet nothing could be further from the truth. The courses for Dumb Money suggest:
a) Playing games. That is not a super simple 30-second task. Games require significant patience and skill.
b) Taking surveys. That is not a super simple 30-second task. Surveys barely pay more than $2 to $3 per hour.
The promotional video also says you don’t have to spend any money to make money. Nevertheless, the Dumb Money courses promote Rakuten, InboxDollars, SwagBucks cash-back offers all of which require spending money.
Then there’s the Dumb Money course about opening multiple bank accounts to claim sign-up bonuses. However, for that to work requires every new account have separate direct deposits of $500 or more from an employer or Social Security. Most people have one source of income.
There’s also the Dumb Money course about answering surveys on YouGov. However, testimonials on Reddit claim that earning money is painfully slow (averaging around $50 to $100 per year). Also the minimum payout threshold for YouGov is $20 which can take months to reach.
I also bought the Instant Dumb Money Instant Income Upgrade, yet there are so many bogus claims in those tutorials.
a) In Video #1 Matt Scott says that you can get $10, $20, or $30 for EVERY survey on InboxDollars. That’s not true. Most surveys only pay between 50 cents and $5. I’ve never seen $20 or $30 surveys on InboxDollars. So that is a lie.
b) In video #3 Matt Scott says he got a $15 free gift card from SwagBucks by simply tapping a button in his email. That’s not true. The email said he COULD get a $15 gift card after completing offers on SwagBucks. So that is a lie.
c) In video #1 Matt Scott says by using Magic Receipts he can buy Jimmy Deans sausages for less than $8. That’s not true. The cash-back offer was for buying TWO of the 8-count packages which cost over $16 each. So that is a lie.
The promotional video for Dumb Money Instant Income described it as a “powerful upgrade”, but what makes it so powerful? Rakuten was already covered in the basic Dumb Money training, so that doesn’t seem like a powerful upgrade. And SwagBucks was also covered in the basic Dumb Money training, so that doesn’t seem like a powerful ugrade either.
The promotional video for Dumb Money Instant Income also suggested that the 50 beta testers for this program were all seeing results 100x faster after joining:
* Jasmine Lee made $274 in the first 3 hours
* Marcus Reed made $412 in the first 1 hour
* Hannah Kim made $547 in the first 1 hour
It even mentioned a brand new account that generated $228 in the first 58 minutes. I don’t see how such numbers are possible from the information in the Instant Income tutorials, most of which were just rehashing the same information from the basic Dumb Money training.
For example, Rakuten provides cash-back deals for shopping at major retailers. That’s not going to generate $200+ in one hour. Cash-back deals entail spending more than you get back. Add to the fact, Rakuten doesn’t pay out immediately. Payments are only made 4 times per year.
And in the case of InboxDollars and SwagBucks, the only way to cash out earnings is through digital gift cards, which usually take at least 2-3 days to be processed.
The Instant Income Upgrade was supposed to “speed up the process dramatically”, so instead of waiting week to see results it would only take an hour. In truth, nothing about the Instant Income Upgrade is “instant” at all. It’s a scam.
I also bought the Dumb Money Done For You Setup which supposedly provided a bunch of exclusive benefits:
* Whitelisted & Pre-Approved – No waiting, no rejections—your account is fully active and ready to earn.
* Placed on Faster VIP Servers – Your sites are hosted on high-speed servers for better performance and faster load times.
* VIP Support Priority – As a VIP member, you get top-priority support for fast resolutions anytime you need help.
* Faster Payouts – Unlike standard users who have to wait, your earnings get processed faster, so you see money in your account sooner.
* Higher Earning Potential – Your setup includes exclusive high-converting offers and advanced optimizations that regular members don’t get.
However, the “members area” for my Done For You setup is nothing more than a list of GPT sites.
a) I don’t understand how my account is “pre-approved” or “whitelisted”. I have to manually register for each of the GPT sites. Some even have an identity verification process where I need to take a biometric face scan or upload a copy of my driver’s license.
b) I don’t see where I’m given access to the “fastest VIP servers”. When I click the links to join any of the GPT sites, I’m just taken to their main homepage. on the same public servers available to all website visitors. I’ve not been granted special VIP access.
c) I don’t understand how my account is plugged into exclusive, high-converting offers. Most of the GPT sites include surveys and games almost identical to those found on InboxDollars, SwagBucks, or FreeCash. The surveys barely pay more than $1 per hour.
d) I don’t see how my earnings are processed faster. I contacted one of the GPT sites to confirm that my payouts are expedited. Their support team responded: “Payouts for all users are typically processed in a standard time frame regardless of their status.”
The welcome email promised I would be getting “a hands-free income system that works for you.” Yet there is nothing “hands-free” about any of the GPT sites listed in the members area.
Then two days later, I was told “Our team is carefully configuring every piece of your setup to make sure it performs at the highest level. From optimization to backend prep, we’re handling all the heavy lifting so you don’t have to.”
Why would “backend prep” and “optimization” be required just to compile a list of links into a static webpage. And most importantly what about this setup has been “carefully configured” from the ground up? I could get the exact same information in the matter of seconds from ChatGPT.
So I emailed Dumb Money Support with a bulleted list of questions about the Done for You setup. All I got was a generic reply that instructed me to repurchase the Dumb Money System with an alternate email address to solve my login issues (even though I never said I had a problem logging in). That is the quality of “top-priority support” for being a “VIP Member” of Dumb Money.
Even more concerning is how the promotional video for the “Done For You” upgrade described it as a package valued at $5000. Yet all I got was a static webpage with 12 links to GPT sites alongside a bunch of fake promises for “faster payouts” and “vip servers”. It’s a scam.
this outline of dumb money that you have written is on point, i must say that i too am one of them running to get on board of that get your fast track get paid while you sleep. Well i no longer am a first class jump on board “cause theirs no such ride, its all a-mer -con get it American……. have a great day
Thank you for posting this. It was extremely helpful. As always, if it sounds too good to be true, it is!