Matthew Cox | Inside True Crime Podcast
Bank Robber Blueprint | How Anyone Can Rob A Bank & Make Millions...
31 Oct 2025
Chapter 1: Why did Luke have a fascination with robbing banks?
Dude, for some reason, I always had a fascination with robbing a bank. I just always thought to myself, it would be so easy to rob a bank. The moment I entered the facility and the door clicked behind me, like it was showtime. I kind of scanned the room and I said, well, I think it's pretty obvious what this is based on my attire. I would like you to take the money and put it out on the counter.
And they all kind of looked at me and I went, move. And then they started doing their thing. This was kind of the turning point of my life where I started to actually have a moral compass and I started to actually care about people. I was born in central New York, very small town called Cato. There was like 82 kids in my graduating class and I was about a
Seven out of ten football players, so that made me kind of a small god in that township and captain of the football team and quarterback and just a very big case of big frog, small pond. What did your parents do for a living? Were they in? Car salesmen. Car salesmen? Where does the criminal come from? That's right. That's right.
I watched the thing where you talked about how you have a long lineage of car salesmen. Yeah, dude.
That was table talk at the kitchen table. The local vendors and the local bankers and everybody, that was like, these were the people that were the heroes of my life and the car dealers.
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Chapter 2: What events led Luke to develop a moral compass?
And when you go to the roots of my criminal story, my addiction, because that's the root of my criminal story is the addiction. It comes from a young man who just intrinsically burned. I had a desire to do something great and be something huge. I wanted to be a president or an astronaut or a freaking action hero law enforcement guy. I just wanted to do something great.
I wanted to make a lot of noise and change the world. And I was constantly being told, you know, douse the fire, calm down, you know, know your role, so on and so forth. And I think that's what caused me to look for some sort of release or some sort of comfort or nurture that got my mind off of those things. And I found that eventually. Right.
I was going to say, when does that take place or start? Like, is this in high school? Like, how are you introduced to even doing it?
bro like i would we would go to places and unless we were cracking a beer and and hiding it from the cops while we were driving it wasn't a sunday afternoon man i started drinking at like 11 or 12 at some point you realize it's not okay but as far as society and their view on it you know i just was just good at hiding it man i mean it was it was in in hindsight you know i say this to you and you think upon it and we iterate upon it and in hindsight it was like oh my god how did that ever happen
You know, at the time, I was a 12-year-old kid drinking with my old man on a Sunday afternoon. It just was what it was. Went over to my buddy's house. His old man was cracking a beer for him, and we were playing football in the backyard.
Went over to our other buddy's house, got on the snowmobiles, rode and met our dads at the watering hole and played the little shuffleboard pucks and drank booze. And the bartender, you know, make sure you boys get home safe. Turn your hand warmers on. You know, you get drunk and forget. You'll go home with cold hands. It was just the culture of the town I grew up in, man. 00,00,00 Jesus.
So, I mean, did you have any brothers and sisters? 00,00,00 One sister. It was kind of the same thing. She didn't, I don't want to say have it as bad as I did. Maybe she had it not as good as I did. Who knows? Maybe she wanted to get drunk at 12 and didn't get a chance to. I don't know. Um, she, she left, I was, we were three years separated.
So she left, went off to college and now I was 15 at this time. It didn't have my big sister and now I'm home and you know, mom and dad are splitting up at this point and things are really getting kind of shaky. And then I started that. That's really, you know, I, I look back on it and the more times I tell the story, the more things become clear, especially when you're sober and lucid.
And I realized that in my mid-teens, I suffered a couple injuries playing football and went to the doctor's office locally and started getting prescribed hydrocodone and Percocet at like 15, 16 years old. And I remember, you know, my mom would call the doctor, oh, Luke sprained his ankle again. Luke tore his shoulder again. Okay, I'll call something in for the pain.
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Chapter 3: How did Luke justify robbing a bank?
Like in federal prison, that would not happen. They don't give a shit. What time frame were you in federal prison?
From 2006... Basically, 2007 until 2019. Okay. So, yeah. Man, that's a long time, bro. Yeah. I was arrested in 2006, but federal prison, it takes a year to get there. You know, you've got to go to U.S. Marshals. They keep you in the holdover while you're going through the whole court process.
Don't they have like a 95% conviction rate or something like that?
They have 97.8%.
yeah yeah yeah well i mean and and that's you know but i'm guilty like that it affects me right like you're it's a hundred percent if you're guilty if you're innocent it's still 50 you know so that's crazy yeah so like i'm not going to trial i'm just you know begging for you know plea deal yeah please help you know something where i can get out at some point were you relieved at all when you found out that what was the actual sentence 26 months right four months 316 months
When you see that on the piece of paper that you have to sign and you see 316 months, what does that do to you?
First of all, I never really believed I was going to get that much because my lawyer the whole time was saying, look, we're going to argue this enhancement, this enhancement, this enhancement. And then she, of course, showed me. What's an enhancement? Well, let's say your base level of just your charge. So just your charge might be, I don't know, let's say 12. You're like 12 points. Okay.
So at 12 points plus your criminal history level, I'm going to get – you're looking at – Six years.
Okay.
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Chapter 4: What unexpected challenges did Luke face during the bank robbery?
Obviously, I hadn't thought this very well through. But the funny part was I was executing it perfectly. They were doing exactly what I asked them to do. The money was going in the bag. I went to the second teller. I said, very good. Those ones too, because there was a little bit of extra ones and tens in there. And I remember the thought of, this is a lot of money.
Once I kind of approached the bank and got to the counter, I'm like, these people probably have like a couple hundred bucks and some change in here. Like, was this really, what am I thinking?
I think the average bank robbery is 3,500 bucks.
Is it really? On average. Well, I got just under 10 grand.
Chapter 5: How did Luke feel after successfully robbing the bank?
Yeah. So I did pretty well. Yes, you did pretty well. And I remember I later found out that there was just a couple of decent sized deposits just before I went in. Like, I literally got lucky. So I stuff everything in a bag. I close it up, and I look up. I said, thank you. And I turn. I walk away.
And it would have literally been perfect, except some asshole put a velvet rope right behind the third teller in front of the door. So I turn around. I go to walk out. And right at my knee level is this little velvet rope. So it literally looked like something out of a movie until I turned. I walked. And then I tripped and fell over that. I didn't fall down. I kind of stumbled.
And I remember saying, who put that there?
Chapter 6: What were the consequences of Luke's actions after the robbery?
Yeah. Like why it occurred to me to say that. I don't know. Like I was trying to be funny. I think it was just inside of me. I felt so guilty and I felt so bad. Like I felt like a badass. Don't get me wrong. Like I'm robbing a bank. I took your money. I just got your shit. Like I'm a bank robber, bro. But I also remember like these poor scared old ladies, you know what I mean?
So I said that and then I go out the back door and I had it wadded up and it was in my hoodie. And then I'm like,
holy shit i did it and i kind of looked around for a minute and it was like and then like that music run you know that soundtrack that you always hear in those moments so i just raced out the back and into the woods and i remember like i'm looking and i don't hear any sirens and i'm waiting to hear somebody say stop you thief you know yeah nothing's birds chirping and the little stream going through and i'm like holy shit so i'm like i'm moving and then i go to get out of the woods and i'm like whoa
I can't come out like that. Okay. So I take the hoodie off and then I go to get the sweatpants off and I can't get it over my boots. So I'm like, what the, what the, I grab it and I ripped it and I finally got the sweatpants off. So now I'm in like wrinkly dress clothes, sweaty with boots on, but I'm like, this ain't what I walked in the bank with. So at least I'm doing a little bit better.
So I cross over. There's like a little bit of a rock pile. I go up the hill. And I went up to the car, and I'm like, I realized that I didn't have the keys to the car. And I'm like, oh, shit. I'd left them in the ignition. I was so freaked out by the process. I thought you were going to say they're still in the bank. No. I got to go back. I left my keys. No, I'd left them in the ignition.
I left the door unlocked. So I remember I opened the door, popped the trunk. I put the clothes and everything, and I wadded up the money and stuffed it all in there, kind of tucked it under like where the spare tire is, clothes that got in the car, pulled out. And I didn't like speed away. I did nothing. I just put on the blinker.
Pulled gently out onto the street and started driving in a southbound direction towards Syracuse. You could hear a mouse peeing on a cotton ball, man. There wasn't a siren. There wasn't a screeching tire. Nothing. And I'm like, holy shit. Rear views, nothing. I'm like, I've got to wait with it. So I start pulling down the hill and up towards the Maddydale area of central New York.
And then all of a sudden...
state trooper goes by lights like just Mach 7 down the road and I'm like I look in the rearview mirror and I'm waiting because I had been in many police chases between drunk driving and motorcycle chases and you know I was in a nonsense period for quite a while so I know what it looks like when a cop goes by and then the brake lights come on and they tip up because the car's diving because he's climbing on the brakes and then you see it spin and you're like oh shit and
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Chapter 7: What emotional strategies does Luke discuss for overcoming adversity?
And, like, he kept doing it over and over again.
And he kept doing this.
He looked over at the camera and made sure he was making eye contact with the audience.
He was great. He was over and over. And Pierce was desperately trying to make, and then listen, now Pierce is like on his side. Like you won him over.
A hundred percent. You know why? Because, and this is something that I say not to plug paid to persuade, but something that I say in the paid to persuade sales training and business discipline. Emotion loses every day, okay? When Andrew Tate engaged in that discourse with Piers Morgan, Piers Morgan was going, yeah, but Andrew, poke, poke, poke. Oh, and you dirty bastard, poke, poke, poke.
And you're really a scumbag, poke, poke, poke. And Andrew was like,
right peers I see what you're doing but I didn't say that what I said was we should treat women that you know but you say you don't respect women and women should have no say in the matter I said no I said if I protect a woman I provide her shelter and security then she should be kind enough to make me breakfast in the morning is what I said and what I said was if she wants to get up and go to work I will provide her the opportunity to do that but I wouldn't agree with it but she's still too free to do what she wants to do and he's like yeah but I don't think that's what you said run the tape back peers it's exactly what I said and then he like you can see him
That is what he said. Shit. And then it's on to the next one. Let's go on to something else.
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Chapter 8: How does Luke explain the importance of authenticity in sales?
And the ability, like, bro, that's just superhuman ability, okay? Like, if you were to sit here and try to, like, if I were some sort of sinister character and you were to try to break me down in an interview, if the viewers are watching and they see me get emotional and I begin to respond, it shows weakness of character.
it shows that i can be infiltrated very easily and it shows that my pedestal or my foundation by which i stand may not be as true and solid as i claim it to be because i've allowed myself to get emotional because here's what happens when people here's why people get emotional people get emotional when you start to poke holes in their story yeah when you start to expose them for what they are we just talked about this with a recent individual who's on stage right and when he started to get called out and
There were holes that were beginning to be poked in his thing. He just got mad. He wanted to fight. I'll just dip. And it's like, no, no, no, my friend. If you can't articulate your argument, then you don't have an argument. You don't have one, bro. You can go to a child. And if the child didn't take the cookie, you can say, you took the cookie. Nuh-uh.
Well, I see there's a handprint on the cookie jar. There's a handprint on the counter. And there's footsteps back to your room. Maybe it was my sister. I don't think it was. I think it was you. It wasn't freaking me. Well, maybe you went and got it and went back to your room and maybe you hid it somewhere in your room. Go check my room, mom. It ain't in there.
It's very hard to poke holes in the story of somebody who's telling the truth. So the reason that Andrew wasn't able to be systematically disassembled by peers in the media or anybody. Did you see the interview with Vice?
yes everybody's tried to take him down but he's too poised and that's why he wins the day and quite frankly that's why he continues to become under attack is because they're just they're just doing whatever they can to try to discredit him and it's the traditional playbook you know sex crimes you know uh demasculinize him vilify him make him a woman hater the next thing will probably be racism
They'll try to throw the racism card at him.
But the bottom line is... That'll be tough because he's half black.
Yeah. Then we'll try. Yeah, his dad was... Black, yeah. So you can't... And he was a chess master.
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