Disruption is everywhere. Businesses and sectors are being disrupted like never before. Technology, disintermediation, deadly viruses and the climate are making previously dominant companies vulnerable, while startup companies run by millennials in hoodies are becoming increasingly dominant. While all this is happening on a micro level, on a macro level we are also seeing a shift in global power from the west to the east. Failure to identify, understand and exploit these changes will be fatal for any entrepreneur. Businesses fail principally due to their inability to anticipate changes. Charles Darwin said that it was not the strongest of the species that survives, nor the most intelligent. It is the species most adaptable to change. The twenty-first century has been fascinating from an investment and capital market perspective. We have witnessed two mega stock market crashes. The dot.com bubble burst in 2000 and the subprime mortgage crisis in 2007/2008 brought capitalism to the brink of collapse. Simultaneously, the meteoric rise of China has set up a battle for world domination. Major corporations and countries have gone bankrupt. Companies that did not exist twenty-five years ago are worth hundreds of billions of dollars. Facebook, founded in 2004, is worth half a trillion dollars, Alibaba in 1999 worth 450 billion, Tencent in 1998 worth 400 billion, Netflix and Paypal in 1998 worth over 100 billion dollars. Tesla which was founded in 2003 is now bigger than four automakers which have collectively been around for 400 years - Audi, Nissan, Ford, and Ferrari.The future is uncertain. We do not know what is going to happen in five or ten years. This book is not intended to predict the future. This book identifies twelve existing trends that are underway and will continue to gain momentum. They are transforming the world in which we live and their impact will become stronger over time. From an investment perspective, understanding these trends will help you position your businesses and investment portfolios to ensure longevity and profitability.Rebel Finance is a series of books designed to get you financially literate and then coach you on how to use this literacy (these skills) to obtain financial freedom. The financial services industry has been screwing you blind for decades. It conspires with the beast and you need to free yourself from it. I worked in the belly of this industry for most of my adult life. I have taken advantage of clients, exploited their ignorance, and profited from their vulnerability. Now I want to share with you how you can turn the tables and, with their tools, become independent of their unwieldy yoke. The financial industry does not want you to be free. Just like the medical establishment wants to keep you ill and coming back for treatment, the financial system wants you to consume like an imbecile. Through marketing and advertising, they sell you an almost unattainable lifestyle that if you reach, you simply become another one of greed`s whore. It is never enough. Banks want to keep you ignorant and coming back to buy their products. They say they want to educate you but nothing could be further from the truth. They want to sell you their rancid products with a new shiny wrap. They want to screw you again and again, and you get to smile while they`re doing it.