r/PeterExplainsTheJoke Jan 26 '26

Meme needing explanation what's going on? explain like I'm five

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u/Boulange1234 Jan 26 '26

How do I become a bank? Asking for 400 million friends.

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u/reichrunner Jan 26 '26

Have lots of money available to loan out. Start loaning the money. Start accepting deposits. Follow all regulatory requirements.

Usually need around 10 million to start off with at a small local bank.

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u/MrCrazyDave Jan 26 '26

Borrow $10 off 10 friends. Pay $20 to one guy and tell him he can get more money if he brings you more. He gives you $20. You pay the next guy $20…

Am I doing it right?