Confronting A Tinder Date | How Much Money She Makes

What's up, guys? Welcome to the 27th ever episode of the Ice Coffee Hour. My name's Taylor. So far, the podcast has made $16,087. That's really good. That was the best. I'm always Yeah, that was the best we've heard so far. I'm not going to lie, I practiced it in the car on the way over. I practiced it cuz you guys always have your guest. Wow. People are catching on to that. We got to throw you a curveball now and just like have you say something totally unrelated. This is going well. So, anyway, I feel like I have to do a bit of an introduction here. This is a really exciting episode. So Jack and I have always been joking since pretty much the beginning of the podcast to bring on a Tinder date. And uh so yeah, pretty much. No, not quite. But uh Jack could not get a Tinder date. I think it's really intimidating to go on Tinder. I couldn't. No. And I think like invite someone over to someone's house, never having met you before, and then record it all. I think that's too too big of a pill to swallow. So instead, we got a subscriber. Yes, Taylor. You found me on YouTube. Yes, I smashed the like button. There we go. Thank you so much for doing that and you agreed to come on the podcast and be Jack's uh replacement Tinder date. Yes. Happy to be here. So, what ends up being perfect for this is that you have a YouTube channel. You're into personal finance. Uh and you flip things. I do. So, explain explain who you are, your channel, what you do for all the subscribers. Sounds good. Yeah. So, my name's Taylor Bell. Thank you guys again for having me. Very excited to be here. Um yeah, so I flip things. I mean, basically, just to give a little rundown, I graduated from college in May, end of May. So then I got home and I was unpacking my suitcases. Had like four full suitcases of clothes and I'm not a materialistic person. Most of that stuff came from Goodwill. I've always thrifted my clothes. Um and my mom's like, "Yeah, I'm just at my parents house right now cuz my full-time job starts in April 2021." So um yeah, I'm unpacking my clothes. My mom's like, "Taylor, you got to clean your room." And then I start putting a couple shirts away and I'm I hate it, you know? I don't feel like doing it. And I realized I could probably sell some of this stuff cuz I'm never going to wear a lot of it again. I hadn't even worn it for a few years. It was like Brandy Melville tank tops. You know what I mean? Or maybe you don't. I don't know. I I don't know. I'm just agreeing. I'm like, "Yeah, yeah, of tank tops." Um, but then I literally just to procrastinate, sat on my bed and downloaded the Poshmark app, which I kind of knew more or less was a place where you can buy and sell used clothes. So, listed like 10 things that I knew I wasn't going to wear again. Next morning, woke up to a full price sale. Someone just like bought one of my things outright. And ever since then, I've been hooked. Like, I'm just doing it as a side hustle right now until I start my full-time work in New York. But having fun doing it. That's cool. Cool. So, how much are you making now from doing that? So, every month so far, I'm at about $2,200 in sales a month. So, I mean, it's not like a full-time gig by any means, just as a little hobby where I can actually make some money and have a lot of fun doing it. It's not bad. How are you acquiring your clothing through Goodwill? So, at first I started, which sounds I'll explain. So, first the first month and a half, I sold exclusively things out of my own personal closet, things I knew I wasn't going to wear again. And then I started, you know, I realized I could probably source some stuff at Goodwill. as long as it's not a low enough like cost of goods sold, I could probably make enough spread, like get, you know, some profit on it. So went to Goodwill and was careful and checked comps like, you know, on my phone to see what those items sell for and started sourcing outside of my own closet and now I flip clothes from like buy trade stores, Goodwill, Salvation Army, stuff like that. How do you know what it's going to sell for? I feel like I'd pick something and then just put it up on eBay. Nobody wants something that looks cool, right? Something you think would be cool, but you never know. Yeah, it comes from I mean just experience. I've only, you know, been in it since June. So, people who have done this for years have so much experience. But I just kind of realized from selling the own like my own things that, you know, certain brands that sell and then checking comps, like looking through Poshmark, seeing items that have already sold, seeing what they go for. I do that in the store, which is kind of weird, but it is what it is. Um, to see if it's like worth, you know, paying $4 for it or $3 at the thrift store. Um, so it's it's a lot of trial and error. I'm not saying I know for sure if anything's going to sell, but it's a lot of trial and error. And yeah. Have you bought things and then just not sold them? Yeah. Yeah. So, I take into account in my model like my sell-through rate. So, I usually sell about 50% of the things that I list within one month and then within two months it's about like 75 80%. So, it takes me about 10 minutes to list an item like the whole entire I also model my clothes cuz I modeled in high school. So, that was actually like a easy way to kind of transition and like carry over that creativity aspect I guess. And you also I I don't want to like pat myself on the back, but my items do sell for more just because I model them. Like people can get an idea of what it looks like on them. At least from what I can tell in the comps when I look through Poshmark. Um what was the question again? I forgot. How do you know how do you Jack's not paying attention? How do you know what it's going to sell for? Like if you've ever had something that just doesn't sell. Yeah. Um mainly checking like comments on Poshmark and just through experience I get an idea of what will sell. So I don't know if you guys find this interesting but time. We want to know the backtory because then you're going to be going off to what? New York. You have a job lined up. I do. So, what's the job? The job is management consulting. Okay. Yeah. So, we'll see. But I'm having a lot of fun with it. And honestly, YouTube. I mean, I like YouTube more than reselling. That would be So, why do why do management consulting? Why not just pursue YouTube flipping items, then you create a course on how to flip items, you'll make millions of dollars doing that. That's what I want to do. I mean, maybe I shouldn't say this on camera, but yeah. I mean, that's what I wanted to ask you is like, I don't know because I mean, I'm at 400 subscribers, you know, so it's like I'd have to hit some serious growth in the next 5 months before like feeling comfortable quitting my job. Let's see how many subscribers this would get you cuz I got Jack to drop out of college to do this full-time. So, if I could then get you to quit your job and do YouTube full-time, like, I'm just going to be destroying careers left and right or helping them. I mean, are you happy with your decision? Yes. Yes, I am. I I'm surely watching him very closely at his answer here. Yeah. Yeah. Everyone go subscribe to her YouTube channel. Thank you. Yeah, of course. And uh so your plan is to go to New York and to work this job and ideally you want the YouTube channel to take off and to be doing the YouTube channel or do you want to be doing the the clothes reselling? I mean, right now, and this is actually I don't know if you want me to talk about it on camera, but like right now I'm very niche within reselling, but I know reselling is not my going to be my career. or it's something I enjoy doing, but it's not like I'm not going to make a full-time living off. I mean, maybe I could in theory, but looking at the numbers, but it's not I'd rather have like something else to talk about like personal finance and even like lifestyle and vlogging and stuff like that. That would be really cool to have a YouTube channel on, but yeah. Okay. Uh the question that that Jack and I want to know, how many credit cards do you have? What's your credit score? You'd be really I can show you right now. My credit score is good. It's almost 800. I got one at 16. That's better than my credit score. What's yours? 700. Maybe maybe less. No, it's higher than 700. 700's good. No, I think it's like less than 700. Cuz you you made me get the backtoback credit cards. He made me get two credit cards in a row. He loves a credit card. Yeah. And it made my score go down like one point. I was like, "Okay, that's not bad." Two weeks later, it obliterated. It's Yeah, there's a lot of factors though. It's weird. Sometimes mine will drop like what 10 15 points and then go right back up the next month. I don't I didn't do anything within that time except, you know, the usual. So, I don't know. Well, Jack is doing the uh the churning well a little bit. What which cards do you get? I just got the the city double cash. Okay, that's a $200 bonus. That's another $200 bonus. You get $400 basically for free. No, the the double cash isn't a Oh, sorry. No, yeah, yeah. Chase, right? But the thing is my credit score wasn't going anywhere anyways. So, I like it kind of fluctuated between 720 and like 730 for probably 6 months. I don't know why. That's good. What's yours? Yeah. Uh 765 I think was the last one. Credit score. Yeah. Well, mine's right around there. Almost. It's Yeah. The highest I saw was like 88 or 880 780 something like that. Yeah. The highest I got mine was 801. I was super happy about that. And then I made a video immediately afterwards like how to get an 800 credit score for $0 immediately and it went down. It went down. But it was 801 for like like 3 days, 4 days. Long enough for me to get a video out and get a screenshot of it for that video. But uh but yeah, you have to also have to try V20 ice coffee. This is your real reaction here. It by the way, it might be a little strong. I'm running low on coffee creamer, so I had to spare it. Okay. It's good. It is strong. You like your coffee strong. I like mine kind of weak, which I'm not proud to say. I like it though. It tastes good. Good. Good. That was the right answer. Yeah. What am I saying? It's terrible. No, it's awful. It's awful. I hate it. No, I do like it. I need to and it's smooth cuz I can I can appreciate strong coffee as long as it's smooth, you know. Is this your coffee brand coffee or is this No. Um, so I fun fact of the day. I think I mentioned this briefly in the other one, but going to be starting up a coffee company. Can't mention the name. I can't mention too much about it. Expect that probably by the end of December. I think that's when we're trying to launch it. I'll make a whole video about it. Like I started a coffee company, something crazy. But uh eventually I'll get a video out on that and we'll see how it does. It's just just for fun. We'll see. I'm not making any money on this in the very beginning. We're just going to see how it goes. Very on brand for you. Yeah. Yeah. So, I figured give it a shot. Yeah. Should we take the test? Oh, yeah. So, I got this test. So, we're going to we're going to be putting you Okay. through the ringer here. Okay. So, we got this test and we'll just put this uh Hold on. I want to make sure. Yeah. Yeah. Uh I want to make sure that everything's recorded and then Jack, you'll just throw this up on the screen. Uh yeah. Yeah. Okay. So, yeah. So less than 3% of Americans can pass the six question money quiz. So I want to make sure that uh whoever we have on the podcast can can pass this quiz. Okay. So we got the first one. So the first question is what are the three major credit bureaus? Capital 1, Bank of America, JP Morgan, Deote, KPMG and Ernstston Young, Fanny May, Freddy Mack and Sally May, FICO, Moody's and Fitch, TransUnion, Equifax and Experience or Visa, Mastercard and American Express. You both should know this. I will actually be disappointed if you don't get I think I know it. Yeah. Wait, wait. Don't say anything. Taylor, you're first. Okay. Credit bureaus. That's like giving the the credit, not the credit score, but the the score, the A+. I'm not saying anything. I'm can't say anything. So, that's I know. Moody's um D. D. Unless I'm thinking of something different like credit bureau. You just you just got to say final answer. You can't say C or D. It's Which one? You got to pick one and then say final answer. All right. D. Final answer. Okay. Okay. I was going to say E. Oh, but then Graham said you got to pick C or D. No, I don't. That's what I said. I said you have to pick C. Yeah. No. So, that made me think like I mean there would be no point in her in telling her that if they're both wrong. What do you mean? There would be no point in telling her she has to pick one of two wrong. So, I'm thinking maybe one of those has to be right. Why? She said it could be C or D. That logic makes sense, doesn't it? No, cuz I said it's either C or D. And Graham's like, you have to pick one. C or D. Okay, it's E. Final answer. Yes, it is. It's E, isn't it? We should put the cool music in the background. Is it E? I think the the the millionaire music. Who wants to be a millionaire? I'm like 90% sure it's E. Starting to sweat. You got to lock it in. Yeah. Lock in. It's E, isn't it? It's E. Okay, cool. Nice job. All right. So, can we define credit bureau? I don't know the specifics here. Yeah. So, that's the credit bureau. Like when you run your credit, uh, you have an experience score, a TransUnion score, or an Equifax score. So, that is what this is referring to is the major credit bureaus. Got it. I thought it was giving a like a rating. You know what I mean? Yeah. Yeah. for like the bonds or whatever. Yeah, totally off topic. So, there we go. Okay, so Jack, you're up one. It's not looking so good. No. Okay, so the next one next one is true or false. A 401k refers to a tax credit for retirement. I'm going to wait till Jack answers. Oh, no. Do you have any idea? No. I don't know like the specifics. You know, my money is just in like an I know what a 401k is. Okay. Are you familiar with what a 401k is? Yeah. Okay. So, more or less. So, think of what it is and what it does and then work backwards. Is it a tax credit? Is it a tax credit? Like a deduction? That's what it's true or false. A 401k refers to a tax credit for retirement. Yes. Final answer. True. Um, that means deduction, right? No. Tax credit is a Is it a tax credit? True or false? Yes. Final answer. Yes. I'm going to say false just to be different. I don't know. But you don't know. You're just You got a 50-50 chance. You're just saying like I don't know what it is, but I'm just going to go off. What is it? What is it? False. Final answer. Final answer. True. No answer. It's false. You said you said true first. We're cutting that out. I should not be. You know what the crazy thing is? When I was first doing this, I made a whole video, believe it or not, on this whole thing. And I took the test myself. This was very confusing the way it's worded because you think a 401k you get a tax write off. So, you think, "Oh, I'm getting a credit." Uh, but no. 51% of people answer. Is credit different than a deduction though? Correct. So, a credit would just be like actual money to your account, but a deduction lowers your income. Correct. That's exactly what I knew. True. I knew that. But you say a 401k refers to a tax credit for retirement, which is false. It's not a tax credit. You're able to take a deduction. Right now, we're tied. Technically, technically. Technically, we're tied. Yeah. Realistically, you got lucky on that one, but at least you're upfront about that. So, that's false. I knew that. I knew that. And guys, play along in the comment section like like do this too and you can post your answers. Interesting stuff. Okay, next. Of the following, what best describes what APY is? Adjusted prices for inflation. Annual rate charged for borrowing or earned by an investment. Annual rate of return accounting for compounding interest. Annualized principal payment amounts. Annuity payout per year. Automated payment. What's APY? Jeez, I don't know. Is it annuity payout per year? It matches the acronym. You just you just you just got to say final answer. Final answer. E. Okay. Now, let me say what my thought process is on this. It is not adjusted prices for inflation. Uh it could be B because it's both being like borrowed uh and earned like in credit cards you use like APY but also in like banks for your interest rate. You could use APY, but APY is also including like the compounding interest. So, it makes me think of uh C. I'm going to say it's between B and C. C. Final answer. [Music] Nice. Okay. Cool. Okay. Cool. Nice. Why is it not B? So, APR is what you pay when you borrow money. Like you see like you could borrow money at 5% APR. Savings accounts um pay APY, right? Like imagine APY. So that's compounding interest. I thought APY was also used in credit cards. Isn't that AP? I think it's APR. Oh, is it? Yeah. Right. That's what I'm saying. I'm used to hear that I like APR is what you always hear. Credit card. Let's Let's I think it's I think it's uh I'll pick this one. This is the most educational podcast that we've had so far. Yeah. I'm not going to Everyone's going to think I'm dumb now. I just have I can say where my money what my money's in. I don't have These are very difficult questions. You think? I don't know. You've got them right. Yeah. Zero. Oh, it's APR. APR. Yeah. Okay. There we go. See, I've got it wrong then. Right. Okay. So, what? So, what's the So, you got two to two to one. All right. Okay. Okay. True or false? Income does not impact your credit score. Do I say it first or does she? Uh, no. I mean, I would say true as long as you're, you know, paying off your your bills on time and things like that. I wouldn't imagine your income to affect it. I mean, you can have a bigger line of credit and things, but does that affect your credit score? I don't think so. As long as you're being responsible and having more credit will affect your income because it will lower utilization, but at the same time, it like directly income does not affect your credit score. However, having more income can give you means to borrow in different ways like a car loan or like a home loan. Uh, I'm going to say true. It does not affect your credit score. Yeah. Yeah. And you say true. Yeah. True. It doesn't. Final answer. Mhm. Mhm. True. True. The crazy thing is that only 40% of respondents actually answered that correctly. 40% only 40. That means 60% of people got to more watch my videos which is the crazy thing. No. So 60% of people got this wrong. Now I in my video I was talking about the same thing as you that the more income you make the higher lines of credit you could get which lowers your utilization. So like in a way it kind of does but there you go. So what's what's the score now? Three to two. Three to one. No, you got no sorry I'm giving myself too much credit. Well, yeah. Okay, so now this is your chance. What does a CD offered by a bank stand for? You should know this one. Capital deferment, certificate of deposit, collateral default, collateralized discount, commodity dividend, credit dividend. Okay, take your time. Uh, accuracy is important. Uh, I I Yeah. Yeah, I know. Sorry to put you on the spot like this. Take as much time as you need. I mean, is it a certificate of deposit? Correct. I mean, that's what I'm gonna say. Yeah. You don't give it away. Well, she was going to say No, she wasn't. She was She was She was going to say, Right. You were You were not going to go back. She's like, "Yeah, totally." I I understand her. Yeah. Yeah. Yeah. I mean, okay. There we go. So, obviously, it's B. And then, let's see. Okay. So, now we're four to three. Okay. What's the difference between a savings account and a checking account? Select all that apply. I hated this question, just so you know. So, if you both get I can already tell I'm going to hate this question. Yeah, it's going to be like A and B, B and C. It's going to be very vague things. I hated this one. Just so you know, it's hard to get right, so I won't put it past you if you guys both get this wrong. So, we got A. Only savings accounts earn interest. A savings account can't be used for automatic bill pay. Only checking accounts have overdraft fees. You could only transfer money from checking accounts to savings. Checking accounts are designed for regular use. Savings accounts are designed for investing long-term. Yeah, I already I already hate this question. So, you have to pick any that apply. You you guys you guys can work on this one together. How's that? I'm just kidding. I hated this question. You You guys work it out amongst yourselves and then you come up with a joint answer. Okay. A is false. Okay. Yeah, that makes Yeah. Okay. So, we're going false with A. For B, a savings account cannot be used for automatic bill pay. I'm going say false. I would say false, too. automatic. Okay. Only checking accounts have overdraft fees. I'm going to say false as well, cuz that just doesn't make sense. Doesn't sound right. And you can only transfer money from checking accounts to savings. Clearly, that's false. That's the one I knew right off the bat, right? Well, how could you spend money if you could only have it sitting in your savings? Checking accounts are designed for regular use. What would you say on this one? I mean, I don't know. It depends like what regular use is. I use mine for regular use, but I'm going to say true. Because why would if I switch up the question and I say checking accounts are not designed for regular use. That doesn't make sense. Yeah. Right. So, I'm going to say true on that one. And then saving accounts are designed for investing long-term. False. False. Yeah. So, I guess E is the only one that makes sense. Do you guys agree? You agree together? I thought I when Jack was, you know, when you were going through it, it made a lot a lot of sense. And I actually do agree. Final answer. Yes. Instagram. Final answer. Locking in just Phil Bin right now. Okay, let's see. Let's see how we did. All right, I think we got 100%. E and F and F. What? This is where I got it wrong. Now, remember I said E. And then they say are designed for investing longterm. That that's the biggest BS I've ever seen. Their version of investing is like you're putting money away. It's like supposed to be a saving. It's not investing. Saving is different from investing clearly. So, I'll give you both that one. So, five to four. Cool. Okay. Five to four. Good. Congratulations. You did well. You eloquently went through that. Thank you for the help. Yeah, of course. Of course. Anytime. Oh, that was it. Yeah, there's another one, but we'll wait. Okay, we'll wait. Uh I think we want to know a little bit more about your own personal finances. We're going to do a little millennial money. You don't have to get No, I'd actually after that because they're going to think I don't know what I'm talking, which in a lot of cases I don't. I I wish I had a more like nuance view with finance and personal investing and things. I've just had I got my first credit card at 16 because I made money in high school. From there had like very little very low expenses, like nothing. my parents, you know, helped me out. So, where would you say you waste money? I I don't yet. My expenses right now are just like rock bottom cuz I'm with my parents right now. Yeah. Um Yeah. I don't I don't waste I mean star in Starbucks every now and then. Yeah. Like for the pumpkin stuff. What about you, Jack? Where do I waste money? Okay, I'm not going to lie. I waste money on food. That's where I waste my money 100%. Yeah, I go out. I treat myself if I have a hard week, you know, or if I have a hard day during the week, I usually treat myself to some fast food. It's pretty bad. Fast food is hardly wasting money, though. I don't know. I mean, compared to I have like like mukbangs by myself in my room. Is that the Korean thing? That's like No, that's like when you go out and just like get a ton of food. Oh, I thought it was. Is that what it is? I always thought Is it mukbang? I thought it was mukbang. Mukbang, too. Yeah. I thought mukbang was just when you eat in front of a camera. Oh, I thought it was called pronounced mukbang. I don't know. But I I also thought it was mukbang. I thought it was mukbang. What an ugly word, by the way. Mukbang. I thought it was just when you eat a whole bunch of food in front of a camera. That's what I thought it was. But I could be totally I don't do it in front of a camera. I just do it by myself. You know, you could argue which one is worse. But I I eat a bunch of food by myself and I do that once a week about Okay. Yeah. I'm trying to stop. What are your thoughts on that? Do you think that's like wasting money? Like going to fast food once a week? I used to do that. That used to be my reward after like a long day of work. It was going and getting two double cheeseburgers from McDonald's. Okay. I got four. You got four and a large fry. Nice. Jack introduced me to what's called the Mc That's I kid you not. It's when you take the chicken sandwich. You explain it. Explain it. So, is it actually called that? Yes. Yeah. You look it up online and I kid you not on Google. You type that in and that's what comes up. So, I eat two of these and a large fry usually once a week. I haven't done it this week and I don't intend on doing it this week. Um, and what you do is you get a chicken sandwich, a Mc Chicken, and you get a McDouble and you pull apart the McDouble at the meat and you put the entire McChick inside of the McDouble and then you just close it and then that's that and you eat it. It's called a Mc Joy. Yeah, I tried it. I didn't like the texture of the chicken with the beef. Yeah. Aside from wasting money on uh on food, I don't think I'm going to waste money on anything. And And you don't waste money at all? Well, no. I mean Chick-fil-A, I get a lot of Chick-fil-A. Um, but I love it. So, I really don't I don't know. It's expensive for like fast food. It's definitely on the pricier side. Maybe when I'm like out on my own, I'll be wasting money on something. I I mean, you know, with friends and at school and stuff, I'd go out and, you know, get a drink and stuff like that. And that does cost money. So, I guess that's wasting, but I'm not going to bring a little like flask in my purse cuz you I used to I used to do that. Grab a water bottle. He loves I seriously used to bring in Yeah. I refuse to spend any money on drinks. I would say from 21 to maybe 24. Yeah. Never go and buy a drink ever. Yeah. I mean I I I do bring it when I can, but I mean I don't know. My purse is little. I don't like fit. I don't know. Maybe I should try that. I'm not going to lie. Like I don't think I'm incredibly frugal. And I'm sorry if this disappoints you, Graham. I really don't think I am. And I'm not going to act like I'm very frugal. I I think that what it is is I just don't have very many opportunities to spend money. Yeah. And I think that I don't care about a lot of things to actually go and spend money. It's not that like I'm scared of spending money or it makes me like uncomfortable, but I just like I don't want a lot of stuff. There isn't much that I want. Therefore, I don't really go out of my way to like spend money on it because that takes time. You know what Jack really wants? A Tesla. That's what he keeps talking about. Oh, for $7 a month. You wanted money. You wanted money and you told me you were going to tell me later. Is that a bad bad time? No, it's okay. It's bad time. Put you on the spot. I texted Graham earlier. I'll I'll I'll show the messages up here. I need a forward payment of $6,000. Jack wants $6,000 on my next check. He wants an advance. I'm like, what for? What What do you need? Cuz I just I just paid him. You pay him well. So, yeah. So, where did the money go? Cuz he doesn't spend money. He doesn't pay me incredibly. We don't need anyone here thinking I get paid super well. Okay. It's you. I'm just saying. I'm just saying, man. Talk to a lot of talk to a lot of people, man. You are It's a decent amount. Yeah. So, I needed a forward payment or an advanced H payment of $6,000. And sounds sketchy. It sounds really sketchy. And Graham just texted me back. He's like, "Oh my god, what do you need that for? What do you need $6,000 for?" And um it's because uh I was trading some options this morning. You lost money. Hold on. Let me get some water before I expire. Are you not eight for eight anymore? Are you like Oh, no. Jack hit 20 for 20. You're at 20. Oh, the last video I watched was at 8 for eight. Which which video is that? Shelby Church. Oh, wait. That was a while ago. Do you watch all of them consecutively or are you like trying to pick up from I've watched most most of them really? Yeah. Wow. Preparing for this. Okay. And also I mean I'd seen a couple but then when you asked me on I'm like okay I have to like see how much they're going to like grow me on finance stuff and Yeah. Well Shelby we grilled a little bit more because like I I'd known Shelby beforehand. So, it's a little bit easier with someone you kind of know and you could like hit them a little harder with a str. Sometimes you don't know exactly how far to push with this stranger and how much I I could grill without being weird or rude. No, I mean people know what to expect when they come on, right? I don't know. So, let's see if we know what to expect with this. I I think there's no way Jack lost money. I don't think Jack lost money. I think there's an investment that he wants to put extra money in. That's what I think. I think there's a some investment opportunity. Okay, let's let's stop there for a second. Why do you think there's no way? Yeah. What do you think it is? Do you have any idea? Well, you said he wanted a Tesla. I don't think it's for a Tesla. No, it's not for a Tesla. I thought for a moment it was a I thought honestly for a moment it was a Tesla because we're getting towards the end of the year and I thought maybe the accountant really wants Jack to get a tax write off. So, I don't think it's that. That's next year. Are you looking into real estate like down payment? I wish I could use $6,000 for a down payment on a house. True. Uh, no. It's not for that. Um, God, I don't know. It has to do with options trading. It's not Patagonia. What did you Wait, hold on. Patagonia. Patagonia clothes. $6,000. I mean, I gave you like five. No, I love that. I'm wearing Patagonia tonight, too. That's true. It's good stuff. It is good stuff. What What was your Pokémon cards? I thought maybe you found a good $6,000. Graham, there was an I don't want to say what it is just because I don't want people to buy Well, if I don't buy it by now, there's an uncut sheet of Pokémon cards that I was looking at getting. Yeah, Graham, there was that price. I don't understand you sometimes, man. You want me to spend my money on novelty items? He wants me to buy a Rolex. Okay. Well, they appreciate. They do. Okay. I said a Rolex Submariner. Doing well this year. This is new, isn't it? Uh, no. This old one. That's his original. He did get a new one. Someone saw in the comments. Anyway, go ahead. Sorry. But Graham wants me to buy some things that are novelties. I want a Tesla. I don't think that's a novelty. I think that has utility. I think Exactly. Obviously, one could argue a watch does, but not for the value of the watch. Um, perhaps not. Exactly. So, it is not Pokemon cards, okay? It is not a Tesla. It's not real estate. It has to do with options trading. Okay. Okay. And basically what happened was recently I've been buying Tesla calls. Okay. And you know in options trading selling calls is like the safe thing, right? It's where obviously if it's covered if it's if it's a covered call, it's going to be very safe. But I've been buying calls which is the inverse where you're risking a lot of money. And um I started doing that with Tesla a while ago. And I know what you guys are thinking that trade options. You guys are thinking that I went off my rocker. Okay. Well, I did it and in one day I made like $480 off of $2,000 on Tesla. So, I turned a pretty healthy profit right there. And then on top of that, um, I decided to continue doing that and I've been trading Tesla call options. I've been buying them and trading the volatility on them. It's like all day trades. So, in the morning, I'll buy a Tesla call. I'll wait for it to go up a little bit and then I'll sell it and then it'll go back down and I'll wait and I'll buy it and then it'll go back up and I'll sell it again. And I've been doing your taxes are going to be crazy when it comes to that. You're gonna have to do some insane calculations on that. No, Robin Hood's just going to send me a thing. Yeah, just they just sent me a thing. They're like, "This is how much money you made and it's going to end in like seven zeros." All right. But but basically what happened was I was doing that and I maxed out my trade limit on Robin Hood. Gotcha. So now I'm a pattern day trader on Robin Hood. Yeah. trading the short-term test, the call options, just the volatility. Horrible idea for anyone, right? Like a terrible idea. But I'm now a pattern day trader and I need $25,000 in my Robin Hood account to be able to continue doing that. So now I'm addicted. I just need a little bit more money, man. I just need a little bit more to fight my nervous, man. Get me back on my I'm nervous about this because sure, you're making money now, but Tesla has been going up over the last week. It's okay. It's okay, man. What if it goes down? that could just as easily just Tesla especially just down 8% in in a day. You're right. And you're out thousands of dollars if that happens. You're very very right. Are you familiar with options trading? I mean, I've heard Jack talk about it, but yeah. Otherwise, you've heard on that podcast. Did you see the video of Jack teaching Macy how to trade options? No. You didn't watch that video. Okay. Which one? Or that was a podcast. It was a podcast episode. Which one was that? Six, seven. No, that was way after that. That was like probably like 14th. Okay. Oh, I remember the thumbnail. I know what you're talking about. Options expert teaches how to invest. By options expert, I mean you've done like five options trades, dude. I've done so many. I've done like 40 now. I've done so many now. Oh, yeah. I did like seven contracts today with Tesla. Oh, man. But it was bad, dude. I'll give you the money. It was Oh, really? Nice. He needs to fuel my addiction. Yeah, because because we we have our payments structured. We're basically at the end of the month, I wait until I get paid. When I get paid, I pay Jack. So, the money's already there. It's just I have not gotten paid yet. So, I'll advance that to you. You'll get it. So, you're not a pattern day trader. Thank you. Well, technically I think I still am, but I'm just allowed to do it now, right? Okay. But it was very risky. Like I this morning I got It is crazy the rush that you feel. Yeah. Okay. I can imagine when you're turning a quick profit like that. I'm sure that you feel the same when you like see like an item in Goodwill that you're very excited about and you're like, "Oh my gosh, like I could sell this for way more." Yeah. Or making the sale actually is where I get the dopamine rush. Yeah. Exactly. Same thing. Do you do on Shopify? No. Uh Poshmark, Merkari, eBay, Tradzy. Yeah. But you definitely get like a rush of adrenaline when you have the options open. Obviously, a lot of regret a lot of the time and uh that's basically it. As soon as it goes in the green, you're like, I'm good. And you you feel uplifted and it's emotional roller coaster and I need that kind of like stimulation, right? It's kind of like gambling though. It is the exact same as gambling. What options do you buy? Like what what expiry like a week from now? I I was doing November 27th. So that is uh two weeks a couple weeks. Yeah. And I was doing $412.50 on Tesla. Okay. And I was just familiarizing myself with the the action of like the stock and how it was kind of fluctuating between two values. And I would just buy the call at the bottom. Obviously, I'm very highly leveraged. So like if it goes up like 30 cents, I'm making like $50. And then I would just buy at the bottom and I'd sell at the top. And there were a couple times, I'm not going to lie, can't possibly go wrong. I'm not going to lie, like there. So, after I initially sold my first contract this morning at 6:30 in the morning, I um like the the stock went down and then it kind of started going up and I was like, "Okay, maybe I could buy on its upswing." So, I bought immediately it plummeted and I was like, "Yes, like I'm going to get obliterated. I'm going to lose like and it was down like $200 and I was like, "Well, there goes all my profits from this morning." And um then it started going down even more and I was like, "Okay, I'm done with options trading. no more high volatility like Tesla short-term call options and it started going up again and I was like, "Oh my gosh, what's happening?" And it went in the green and I sold and I made like a $10 profit. $10 $10 profit accounting for the $200 loss. No, no, no, no. Because I never locked that in. It just kind of started going back up. It's only a loss if you sell it. Exactly. You didn't lose money until you sell it. Well, I got so much of a rush from making that $10 profit that I was like, I'm going to do it again. This is horrible. So, it started going down and I was like, "Okay, I'm going to do it again." And then I bought it again and it started plummeting again and I was down like $150 again. I'm like, "What am I doing? I'm just shooting myself in the foot." And then it started going up again and it started going back up and I was like, "Okay." And then I sold $10 profit. Nice. Another $10 profit. You should be working. You should be working. You should be getting videos edited and getting ahead in the channel. Okay. This is 6:30 to 7. You make it sound like it was an all day. Sounds like an all day. in my motions. It was an all day. Yeah, it was exhausting roller coaster. But I made a It was a I'm sorry. It was The first one was a $10. The second one was a $5 because at that point I was like, I can't exit in the red, but this thing is going down. It's going south. So, I'm just going to try to turn as little of a profit as I can at least making a profit and I made $5. And then I put my phone away and I was like, I'm done. Okay, I'm done. Two hours later, I'm editing. Okay. And I start seeing my hand kind of like with a mind of its own reaching for my phone. And I'm like, "Oh, what is what is going on over here?" I grab my phone, open it up. Oh, look, there's a Robin Hood Tesla call options. And uh I bought another call option. And I immediately sold for like $45 profit. And then I was like, "This is awesome." And then I did it again and I immediately sold for like $45 profit. Nice. What do you think of this? What do you think of this whole thing? Yeah. I mean, that you took me for a ride just now. I have to say it's like 300. No, it was like 200 something dollars today. Sounds like gambling. Sounds like gambling. Yeah. A gambler would say the same thing. Yeah. Is this something you would ever do? No. Would you ever be You wouldn't be interested in learning how to do this. I mean, I listen to Jack talk about I mean, yeah, I just have my money in an index fund. That's pretty much it investment wise and you know, I'm not I just think it's risky. Yeah, that's all. And I just want everyone that's listening to know if you've made it this far. Um, don't do what I'm doing. 100% do not do what I'm doing. Uh, I this is money I am totally okay with like losing and I'm not going to lose all $25,000 into my Robin Hood account. No way. I'm just gonna be trading one contract. As soon as one goes south, obviously I'm probably So, what's the most you could lose? Uh, one contract. So, a contract would just be worthless. And the contracts I'm trading are between like $1,800 and $2,000. So, worst case, you lose like two grand. Yeah. Worst case. But on Tesla call options, I've already made like $650. So, you'd only be down $1,400 if you lost it all. Yeah. But it's like it's unlikely I'll lose it all. If anything, I'll probably lose like 700. All right. Taylor, what other questions do you have for Jack? What do you want to know about Jack? What do I want to know about Jack? Yeah. Where are you from? Ventura. Okay, that explains the Patagonia. This is not Patagonia. That is Oh, yes it is. I know. I keep looking at um that makes Okay. Yeah, Ventura. I like Ventura. I used to go to Rencon Beach a lot. You know the one the rocks. Oh, never mind then. Oh, Ringcon. Ringcon. Oh, Ringcon. Yeah, of course. Ron. Amazing. Worldrenowned surf. Great spot. Cool. Go to Rencon Beach. But what about Patagonia and Ventura? Is that just headquarters in Ventura? Yeah, I did not. Yeah, it's been one of the big employers in Ventura. It's pretty crazy. And if also if you're in Ventura, it's like very very normal to be wearing Patagonian clothing. Yeah. It's where he started. Ivon Trinard, the founder, like started making like in his garage the uh the climbing gear by hand. And then Yeah. And then he founded Black Diamond to help finance Patagonia. Why didn't you get into fashion? I am not a fashionable person. I don't like I I personally don't love fashion. But you sell clothes like you clothes and you know a lot about fashion. So yeah, I guess I do. I don't know. It's not a passion of mine. I just understand it, I guess. Yeah. No, it's a good qu. It's a fair question. I ask myself the same thing. But, um, yeah. What else do we have to to discuss? Dra, you got to ask some questions here. Ask Taylor some questions. Yeah, I can talk about fun stuff. Okay. Traveling. You like traveling? Yes. I've had free travel since I was born, so I've taken advantage of it. Yeah. And what has been the best and the worst place you've been to? Love that question. Best? I mean, well, I will say this. even though I've had free travel. My parents wanted me to see like the US first before doing international travel when I was a little bit older, like when I could actually appreciate it. Um, so we went in an RV like ever since I was in first grade and every single summer for 3 months until I was older and had like, you know, responsibilities and stuff. We would drive across the country. So I'd been to all 50 states by the time I was 17. That's something I've always wanted to do. You should. One day I want to do van life. You should. Macy and I could just go in a van from state to state to at some point. You always see retirees do that. It's always like like an old couple in their 60s like the guy has an RV just driving it around. It really is. Do that one day. But but you should I mean that the US is underrated. I mean my favorite state and besides California has everything but like the Utah national parks are like you know Bryce Canyon, Zion, all that. Love it. Zion's crazy. Zion's beautiful. You've been? Mhm. I've never been. It's awesome. But yeah, US travel. So I did all 50 states. Um and then favorite but you said worst best and worst. So, best outside the US is probably I don't know, Germany, Austria, like the countryside I absolutely love. Um, I took a trip to like the Alps in Austria in a place called Peelestein. Peelestein, I don't know how to pronounce it in German, but um, beautiful, like beautiful. Did some climbing there. And then worst, um, because I fly stamp, so I get free flights, but that means I fly standby. So, I get bumped from flights a lot, like a lot. Uh, so I got stuck in El Salvador for three days, which was not the best experience. Um, pretty sketchy. Why? Because like we were trying to go to Peru to go to Machu Picchu, do all that. Um, but just the flights were full. Like paying customers get priority override over me. So, but it was the worst. Well, we couldn't get to Peru. We like came right back to LA. So, yeah. I mean, it was we were in the airport. Like, that's where we slept, but we figured we'd get a hotel, like the best hotel we could find nearby. So, we drove out like 20 minutes from the airport. Like, it it was my first like third world country experience. Um, so it was fine, but I mean like dead dogs in the road. And then we got this is all true by the way. And I got to the hotel and the door man literally had a rifle like slung like slinged on his shoulder. It was just in pretty Yeah, it was a weird experience. So then we just went back to the airport and slept there. Um so yeah, just being stuck there in the airport in El Salvador for a couple days was probably Yeah, that sounds like an experience. It's a story. Did you have Oh wow. Yeah. Well, I've told it I've told it before. I don't know if people want me to tell it again. I basically How much time do we have record? Oh, could you turn these off and on really quick? Yeah. Before I tell my Detroit story. I It'll be I'll I'll make it quick. Graham loves Detroit. Yeah. So, Detroit uh we were going there. What was it? What did I go for? Um the the Canadian real estate guy. No, I don't think it was. That was Wasn't it? My memory has been getting so bad. Yeah, it was with Kevin. I don't remember. Matt McKver. It was like on your way to Canada or something. No. Gosh, my memory has gotten so bad. I I've been honestly forgetting a lot of stuff lately. I don't know what I like last week. I don't know. Last month, like nothing anymore. I don't remember why I went to Detroit. Went to Detroit with me, Kevin. Weekend vacation. That's where you go. Yeah. I forget what it was. Look at real estate or something. But uh Oh, now I remember. It was to confront the guy from Millennial Money. What? Who was that? Yes. That was why I went to Detroit. Oh, yeah. That was why Alex Bardau. Alex Partardeau. So, I made a video on Alex Bardeau and then he got back to me and it was the first ever Millennial Money episode. That one just blew up and I was like, "Wow, I'm going to go and like meet him now and confront him in person." So, Kevin and I flew to Detroit together and I just picked the cheapest place to stay cuz I wanted to save money. I'm looking at an Airbnb. I'm like, "Wow, all these places are like $3 $400 a night, but this one is like $70 a night, so I'm going to stay in that one." Looked good. I don't know the area or anything like that. So, I book it and then as we get in the taxi, he's like, "What's the address?" And we give him the address. He's like, "You're staying there?" And I said, "Yeah, yeah." He's, "Oh, wait. Do you know anybody there?" And I'm like, "No, it's an Airbnb." It's like, "Oh, we typically don't. People don't stay in that area." I'm like, "Is it bad?" He's like, "Well, what what do you say?" "Well, Detroit's it's Detroit." Or, "What is it? Like, Detroit's Detroit. The taxi driver." Yeah. And I'm like, "What do you mean Detroit? It's Detroit. Is it bad?" He's like, "Well, it's Detroit." And I was like, "What does that mean?" So anyway, we get to this place and yeah, it's like he's like, "You don't want to be walking around at night. The food is over here, but you don't want to go there. Uh, so just just stay in here and during the daylight it's fine." So anyway, we're getting hungry at like 11:00 p.m. or it's like midnight. We're hungry. We want to just go down the street to McDonald's. So we figured we just get an Uber there. Go to McDonald's. Uber guy shows up and I'm just like chatting away. He's asking like, "So what are you doing here?" I'm like, "Oh, we're here to look at real estate and uh we make YouTube videos." And like, and he started asking all these like personal questions about like, "Oh, what time are you going to be going there?" "Oh, well, if you need me to drive you around, let me know. Like, I'll just drive you. I want to learn about this stuff." So, I'm just taking him for his word that this is a guy who's just like curious into real estate, telling him all about the YouTube channels and like how we might go and like invest in real estate over there. How many people are are there, when we're going to be gone, when we're going to be back. And Kevin, I guess the entire time was like, "Graham, don't don't tell him." But I was friendly. I just trusted the guy. Yeah. So then Kevin got me all sketched out. As we got back, he's like, "Dude, this Uber driver now knows when we're going to be gone. He knows how many people are here. He knows everything about us. He knows our camera equipment, like everything." He could easily pick us up and then tell one of his buddies like, "Hey, they're gone. Go steal their stuff." Or they could just show up and just like just take our stuff. I didn't think so. But then we got back. It was like 1:30 in the morning, 2:00 in the morning. We're about to go to bed and this car just pulls up right in front of the place with its lights turned off and Kevin is like this car just pulled up there the people in the car right now and you just see the cigarette light up too like that little orange thing and uh and we're all like looking through the thing just peering out all scared and Kevin's got me in my head now like wait a second then may maybe something's about to go down. Um then the car just leaves but it comes back like 5 minutes later still with the lights turned off. So like why did this car leave? Why did it park in the same spot right out front at 2:00 in the morning? So, I go on Instagram. I'm like, "Hey, can anybody like pick us up?" Within minutes, we get somebody to come and pick us up from the place. We leave, go stay at a hotel. I think it would have been harmless, but they got me in my head. Detroit's Detroit. Detroit's Detroit. That was a weird like I've never heard that before. I'm like, who says that? A taxi driver. Taxi driver. But I didn't know. Yeah, I didn't know. But going through Detroit definitely like some of these areas are just I I've never been exposed to that sort of just environment before. Not like that like like you're driving down some of these fields and the guy who was giving us a tour what this was a subscriber and he was saying yeah no they find bodies in here like every week you'll like these people mow oh the reason they keep the grass short is because they will hide bodies in there and when the grass gets too tall it becomes very easy to to to get somebody in there and just they'll go weeks. I have no idea that and Yeah. Oh, yeah. And uh even the real estate agent was saying that like someone recently uh passed away because they were trying to evict somebody from a property and they were shot and just point blank they didn't want to leave. It was like a trespasser. So, yeah, I've never been exposed to that before. Did you invest? No. No. No. Uh-uh. Interesting. Interesting real estate there. Some of the areas were really nice. Um but some of the other areas were just these mansions. Like honestly, there mansions that you couldn't even give away at this price. Like $15,000 for like a 4,000t mansion that was just in disrepair. No, like all the copper plumbing was was stolen from the property. Uh the whole thing was boarded up. I mean, it was not fit for habitation at all. Um Oh, and then as we were there, and you could pull up footage from this from Kevin's video. I'm sure he's fine with it. Um someone was going house to house just burning them. And so we just happened randomly to be driving by the house, watch Kevin's video on this and put up the B-roll on this. Um, we were driving by one of these neighborhoods and then we just look over and there's a house just engulfed in flames. And so we pull over just wanting to see this thing. And as this home is burning down, the home like I don't know 100 ft away starts going up in flames too. Now these are empty homes. So these are not homes that people were living in. Was he like an arsonist potentially? So, we think it may have been like an investor, someone who's owned these properties just going in and like burning them down for for tax money. But then, as Kevin is talking with the locals, they say, "Oh, yeah, this is common. People are bored. People are bored." And so, what they do is they light these fires in these houses, they just watch them burn. And as the fire trucks come and put them out, this guy was saying who lives in the area was like, "This happens all the time." And usually whoever does this, this goes and watches like they'll light these homes on fire. And he lit three homes on fire. three of them within a little radius and then allegedly this person is one of the people in the crowd just watching. That's like that's their entertainment. Yeah. Sounds like 8 Mile. Yeah. Have you seen 8 Mile? I a long time ago I remember. But yeah, apparently that's what they would do. And these are boarded up homes and no one's living in them. These homes are probably homes that would have been torn down anyway, but they just probably light them up. Oh, yeah. No, no, they would have been torn down. Yeah. I I mean you see some of these that are half collapsed. I mean there's there's no way that you're that you're rebuilding this house. It's like actually crazy though. Yeah, that is that doesn't sound real. Doesn't sound like it's America. Yeah. Yeah. It's just different. And then Oh, what was the other one that we were we were told the story about someone parked a car in front of like just in front of the house on the street like a public street. Parked the car in front of someone's house and when they came back the guy was demanding like 50 bucks for parking in front of the house. Otherwise like he was going public street. Yeah. A public street. Yeah. Seriously. and you just parked in front of the house and the guy wanted money for that and he was saying, "Well, if you don't pay me then you get the neighbors in on it and then all of a sudden people start coming out of their house like why aren't you paying the guy?" So like that's a common thing and you pay them cuz otherwise like you don't want them to mess with your car, do something or retaliate. So this guy was giving us warnings like you don't want to park in front of certain people's houses either like certain blocks you park away. You park not in front of somebody's it's it's just a different uh different environment. Never never seen that before. Huh. Yeah. Interesting. It's kind of scary. I mean, yeah, but it was an experience. It was an experience. Uh yeah. Now I got a story for the podcast. So yeah. Have you had any like these? No. Yeah. No. I I honestly have not traveled very much at all in my life. Uh any of the traveling that I did do was when I was like really young. So it was interesting that you said that like your parents didn't want you to travel out of the country when you were younger so you could like appreciate it. Yeah. Yeah, that that's exactly like me. Like I did a lot of my traveling. Well, the all the traveling that I did was like when I was younger. Gotcha. In the in the US, like throughout. Nice. How many subscribers do do you I bet we could get you to 5,000 subscribers. God. Yeah. Because if everyone is w We're going to get more people watching to this point. So, if someone has made it to this point in the video, they're going to subscribe. I hope so. They're going to They have to. I'm just so niche right now. We need a really good uh thumb. We'll figure out thumbnail later, but um yeah, I guess that's something I wanted to ask you guys is like I don't know if you want to do this on camera, but um I mean right now I'm just so niche within reselling. I figured that's the best I've always read that's the best way to start is like be niche, but then ideally I would like to expand to you have to expand because what you're selling right now is just like female, right? And in that niche, I would say is probably like 80% male. I think my audience is like it's got to be like 85% male. So you're appealing to 15% of an already small audience. So you have to go at some point and expand it to just flipping something else, not necessarily like clothing. What can a guy flip? Like what can someone who's like 18 to 25 years old free time? What can they sell? Yeah. And then market to that, right? At what point though would you say um just like with my small because I remember at one point you said once you have 100 thousand you can make videos on whatever you want but like at what point do you think it's it's the right time to like expand to a wider 5,000 subscribers. That would be awesome. I would make I would make some uh some more personal videos just about your experiences traveling. Um I would just broaden it a little bit. I think the flipping thing is really good but it's too small of an audience. Yeah, if you just expand it a little bit, I think that would be good. Jack, what do you think? I honestly I I did not do any research whatsoever for this. Oh, yeah. No, I kept Jack like as in the dark as I could, so I I haven't seen anything, so I wouldn't like about just being niche on YouTube. Yeah, I think that it's important to be niche on YouTube, like especially in a growing Yeah. In a growing channel, it's very important cuz that's at least how you're going to get like recurring viewers, right? And then honestly, just be as entertaining as you can. you watch my YouTube videos. There you go. And that's the most Jack will subscribe. I will. I will subscribe. Thank you. I get a lot of nice comments. Um and the growth has been pretty good. I mean to your standards. This is like all you know. When did you start? In August. Late August. So two months ago. August. Two months ago. And you have how many subscribers? 402. 402. That's pretty That's I think I had about that when I started. I can't remember value cuz people start vlogging right off the like unless they have an amazing personality. No one cares, right? You know what? You should look up Shelby Church. Do you watch Shelby Church? A little bit. Yeah. Okay. Look at her videos. They're really interesting. They're really well done. You could probably do a little bit crazier editing. I feel like Have you seen Did you watch one of my videos before this? Uh, yes. Yeah, I do a lot of I do some crazy edits. Maybe I missed it. I'm looking at Shelby Church with like really incredible B-roll and stuff. Like, start doing that. She's got incredible like Oh, yeah. Right. Right. I when I'm when I say crazy edits, I just mean I do a lot of jump cuts and like make make Imagine if you did the the the be aiza videos. Look at his channel. If you did those types of videos, that would be so viral. That would easily 50 100,000 views a video if you just watch his channel and then give your own take on that. Just do the exact You could literally copy his videos, but do it in your style, in your way. Yeah, I will. I'll look into that. Yeah. Yeah, that would do so well cuz all those those lifestyle videos and the vlogs and that just it looks so fun. I love making videos. It's like that's it's a passion of mine even at such a small, you know, stage I'm at. And just keep it consistent. What's your schedule for posting? I just do two a week. I try to do Tuesday and then Friday. Cool. Yeah. Try Tuesday, Thursday. Fridays generally are slow days. I try to get everyone not to post on Fridays. Fridays are slow days for some reason because people are getting off of work. They have things to do. They're not sitting there watching YouTube videos. Thursdays, on the other hand, people get home, they're like, "Oh, it's almost Friday. What's on YouTube?" Yeah. Oh, let me watch this video. So, they're more likely to click on a Thursday than a Friday. Good to know. We'll do that. I just look at my like audience and the analytics and see where it's like the most purple and go based off that. But, yeah. No, Tuesday and Thursday sounds good. No. Yeah. Anyway, sorry. I don't want this. Absolutely. But, um, but it's something I'm passionate about for sure. How many hours of watch time do you have? 550. Something like that. Okay. So, you need 4,000 hours. Okay. But I've heard that once like it it kind of grows exponent. But yeah, once you get like what 700 subscribers, then you naturally get more. What you should do is post a longer video on Thursday, Friday. Mhm. Uh then when this posts on Sunday, a lot of those people are going to watch your latest video. Yeah. What do you think my latest video should be? Options challenge like that. Oh, no. Cuz I want to have a good one up. Have one addressing Jack and I. I can I do that? I want to take a selfie. Do something. Yeah, do something like that. just my response to confronting Jack and Graham or some something like that. Okay. Um and then just give your own take your your own perspective on tonight. Did it go how you expected? Uh what it was like. Were we nice or were we than what you thought? It was it was more chill. I was so so nervous. Really? Yeah. Oh, okay. I mean, I've been watching you for years. Not to be weird, but years. Yeah. On and off. I haven't seen every single video, but since my sophomore year in college, I've been watching you cuz I wanted to get into real estate. Um, it was always a I mean, I still want to invest in real estate. I just didn't like my like I was in their their debt group, so it just I didn't like my day at my internship. Um, but yeah, no, real estate's always been a passion interest of mine. So, yeah, I've been watching you for a long time. That's why I was nervous. I don't know. It takes a lot of courage. Yeah. To come and show up at like I don't want to say stranger's house, but show up at a stranger's house and get on camera for the first time. Graham Stefen is pretty cool, right? No, that does take a lot of courage. So, I commend you for that. No one else I was going to say like no one else wanted to do it, but all the other girls that you Everyone else said no. Something was was off tonight and you came. You show you actually showed up. I showed up. You guys didn't stand me up. I'm kidding. I'm kidding. That's funny. I'm kidding. Yeah. Um Well, why did you ask? I mean, you saw my comment and then what transpired? Um Yeah. So, well, it was initially supposed to be a a Tinder date cuz we wanted to use that in the title, like bringing on a Tinder because we've seen some of those challenges like teaching a Tinder date this or doing Tinder. It's just I think Tinder it's just it's it sounds sketchy. Yeah. Hey, show up. Here's like no one wants to. No. Nobody. Have you tried Have you reached out to girls on Tinder about it? And they were like, no. They're just like, no, I'd rather like actually go on a date. You know what I mean? Oh, yeah. It makes sense. Yeah. There's one that seemed really promising and then what what happened as soon as you brought it up it was just like a Yeah, there was one that we were going to do it and then she just bailed on me cuz she was like actually I'm not too sure that I want to go on like a platform. It makes sense. A subscriber makes a subscriber. Yeah, of course I'd come on. It' be awesome. It made sense. So thank you so much and it just so happened you were local too. So just like the stars aligned on this one. So thank you so much for doing it. Thank you for having me. Yeah. Any other questions? What else could be I don't know. You're putting me on the spot. I'm putting you on the spot. Taylor, same applies to you. If you have any questions for Jack. Yeah. I mean, I have unlimited questions. I mean, I could pick your guys' brains all night. I don't know how much you want me to do that, though. What do you want to talk about? Do you want to talk about business? Do you want to talk about finance? Do you want to talk about personal stuff? What do you want to talk about? Personal stuff is the most fun to watch, right? That's what I feel like all the comments on these videos, like that Andre one. I I mean, I loved watching the whole thing, but I noticed like all the comments were about when you guys were talking about your insecurities. Do you want to share your biggest insecurity? That would be a big one. Yeah. Um. Hm. That's a that's an intense one. I'm Yeah, I I don't have How do I say this? I mean, this is what we should have asked in the bur reveal's biggest. Um, I don't know. I'm actually I don't know. I'm pretty confident in myself. There's got to be a cop. There's got to be You have to have something%. I don't I mean, yeah, I I suffer from No, every now and then I'll get like social anxiety where like, you know, mainly at school and stuff. If if I was some at a place with a friend and and and you know, a frat or whatever where I didn't know everybody then and my friend went missing or something, then I would get like nervous. But that's anybody. I don't know. It's everybody. It's everybody. Everybody feels that way. Do you guys want to want to recap on what yours were? Yeah, I'll go first. What was mine? Mine was height. Um, and then not being a So, not being able to grow a beard. Oh, yeah. Saying that. Yeah. Whatever. Jazz yours. Yeah, mine was uh How do you say this? It's It's silly. It's because it's doesn't make any sense. Yes, it makes sense, Graham. Mine was a asymmetrical face and body hair. I remember you saying that and then Ryan said you have a very symmetrical face. I think you have a symmetrical face. You have a symmetrical face. It doesn't help. It doesn't help when you get like positively affirmed on something. You know, it's nicer. Honestly, it would be nicer to just like acknowledge and be like, "You know what, Jack? You have an asymmetrical face." But it looks nice, man. I feel like you just made that up just to come up with something, dude. No, cuz the thing is it's like although what do you think is asymmetrical? Okay, I'll tell you right now. So, when I say asymmetrical face, that's just shorthand of saying one eyebrow is higher than the other. Um, nose is crooked. Okay, you don't. This is the um my right side of my face is incredibly skinny and the left side of my face is pudgy. So, you guys are so ridiculous. Can I see? Can I see? I don't see it. I don't see it either. I can feel it. Like, it's that. Do you have a pudgginess difference? I don't think so. Slightly asymmetrical face. Really? Yeah. It's mine asymmetrical. Tell me the truth. Um, actually looks fairly symmetrical. Thanks. Yeah. All right. So, Taylor, real what what's uh what's biggest insecurity besides social I feel like we all get social anxiety. I feel like that's 99% of people. You have to be weird not to get social anxiety. Yeah, that's fair. It's like what's it's honestly it's got to be what's the first thing that comes to mind? The social thing. Really? Yeah. That's your biggest insecurity, I guess. I mean, I'm pretty I'm a social person. I just uh I don't know. Social anxiety. I guess that makes sense. I never judge I never judge a man or woman by their insecurity. Yeah, of course not. No, I mean nobody does. Yeah, nobody does. But that would be fine. Um Yeah, the social anxiety thing is real. I had it bad. I would would get terrified. Like I wouldn't show up to to any place unless I was going with someone I knew. The the most stressful thing is showing up to a place, you know, when someone invites you that you just barely know and they invite you somewhere and you're like, "Okay, I'm going to go and do it." And you don't know anyone else there and you just show up and that person's busy talking to somebody else. If you're just kind of like there and and then you realize like I'm alone here. There's no one to talk to. Everyone knows each other. That's scary. That's what I'm talking about. Terrifying stuff. Yeah. Yeah. You explained it better than I did. I mean, I'm like chatty, but that is Yeah, I feel the insecurity there for sure. Yeah. I don't experience that. That's good. That's interesting. Psychopath. Definitely certified. Yeah. So, you would just in that case, you would just go to like any random person and chat them up? No, I would be okay being alone. Oh, you mean you don't feel it? You would just sit in the corner. Would you go on your phone? No, I mean I don't have to be. It's like it's a matter like I I will, you know, I can start to feel it, but it's honestly for me it's just kind of like a light switch. Like I can just tell myself like I don't care about something and if I don't care about something, I'm not I'm not like vulnerable anymore. So I just turn it off like a light switch and then I just don't care. Mhm. Look at me. Big guy doesn't care. No, that's just Yeah, because most people just go on their phone, which I would. It's like a social I probably would if I was bored. Yeah. Yeah, but I wouldn't use it as like a pacifier. That's a lot of people would. I I would think, you know, in that case, I don't know. Mhm. Nothing wrong with that. Yeah. I I have to check the algorithm. That's That's a That's a good excuse. Someone comes up to you like, "What are you doing on your phone?" I'm checking the algorithm. I got you. You have a YouTube channel? What's the channel called? What sort of videos do you make? Yeah. Interesting. Yeah. That's the advantage on YouTube though I have to say is that there's no more like just going into new places and just having nothing to talk about. As soon as you mentioned the YouTube channel they they'll they'll keep talking becomes very easy after that because they want to know about it. Do people ever discredit without knowing you're a following? Do they discredit the fact that you're a huge I mean you're also real estate investor. If they're if they're under the age of 30 no under 30 it's like instant like oh it's a channel. Over 30 they just they don't get it. Maybe 35. Um, I had somebody I told like someone an old real estate buddy. Uh, he's like, "Oh, how's real estate going?" I'm like, "Oh, I'm making YouTube videos now." Oh, all right. You make money with that? I'm like, "Yeah, yeah, I do." But I'm not not going to say anything more than that. Oh, okay. All right. Cool. And then like that's it. Yeah. That's it, right? Yeah. I was wondering if you run into that or not. Even like str even people your age like who understand YouTube, do they ever discredit you unless they know how many No, I don't meet that many people who who aren't from the YouTube bubble. Every wavelength for things it's it's it's a lot easier because of that. Mhm. Makes sense. How often do you get recognized? Almost every time now. I'd say pretty much every time I've gone out. Just about. Do you like that or is it Yeah, because it because you get to see like the person behind the number on the screen. all these views, but then to actually meet someone like there's a real person. I got into like some people are like, I dropped out of college and got into real estate. I'm like, oh no, what did you do? Like now it's on me. Like if things go wrong. Uh but overall it's really good. Like the other day ran into this guy in Venice who gave me a free uh free sweater. And then I think Macy's is going to be doing some some modeling for this company that it's just randomly from walking down the street clothing company. So, I got a free free sweater. Cool. Yeah. What do your friends No, I'm asking the question. Sorry. Whatever. Take over. Um Well, no. I'm just like, what do your I don't you can cut this out if you if it's too personal, but what did your parents think about dropping out and pursuing your dreams? So, they were really really apprehensive at first, and it was really weird bringing it up to them. And my dad listens to all these I'm I'm totally okay bringing this up, though. Um it was really really weird having that conversation. And um it was hard to bring it up because I'd consistently told them, you know, throughout all my work with Graham that I'm going to like Graham is listening so intently right now that um I'm going to continue and finish college and everything. But then finally it's like I mean work just got to be like so big for me and school was like so small and uh I just kind of I came to terms with myself that I would like have to choose between the two. So I picked on the side of like dropping out and talking to my dad about it was it was super difficult bringing it up. I told him I was considering it even though I'm not gonna lie, I kind of had my mind made up, right? You know what I mean? And uh and that was basically it. It's like he was like every single time I would be like, "Yeah, but this is a good reason why." He would be like, "No, but then there's also this." And he'd bring up the bad reason. Although he would say like, "You know, I support you in any endeavor you make, Jack." And I was like, "Well, obviously there's some apprehension to this." And um and then we gave it a week and then we had another phone call and I think he just needed to sleep on it and then he was very supportive from then on. Yes. And then what about your friends at UCSB? Do you like still see them or honestly I don't haven't told that many people. Like a really close friend of mine text me yesterday. He's like, "Yo, can I get your UCSB code cuz I need a discount for something." And I was like I was like, "Oh, dude, I dropped out." And he was like, "What? You dropped out? You fully drop out where you can't reenroll?" Not I can reenroll. You can. Yeah. But I'm I can reenroll indefinitely. Okay. Gotcha. Oh, indefinitely. Interesting. Most schools or Yeah. I don't know. They surprised me with that, but they were all really surprised. I didn't tell very many people. I told maybe five people. When did you officially drop out? Um, I dropped out this fall quarter. Oh, so it's recent. Mhm. Okay. I didn't realize it was that recent. That's probably why. Yeah. I was going to do summer classes, but I ended up not doing summer classes. Gotcha. Yeah. But that was basically it. It was a Have you had this conversation before about what your parents thought? We didn't talk about it. I was nervous. I really didn't want Jack to uh to go to college. Yeah. because I couldn't I I got so accustomed to having Jack do all the editing on the second channel that I knew I could not keep up that same level of momentum like I once had. I got used to doing it all myself and then when Jack took over, I just got busier in other areas and I couldn't I couldn't do both. So, it had to happen, right? It had to happen. It had to happen. Well, I knew it was going to I knew it was going to happen. I kind of knew it was going to happen, too. It was just a matter of agreeing on a couple of numbers. That was basically it. Is that it? You negotiate it. We did. We went back and forth and I never gave Jack an answer the same time. I I always said I need 24 hours to think about it cuz I never wanted to make a decision just like spur of the moment. I just cuz sometimes you sleep on something and then you feel differently in the morning for sure. Always. So yeah, slept on everything and then Jack would do the same. It really bothered me. I'd give Jack an answer. He's like, "All right, I'll sleep on it." And like, "No, I need an answer now." Went back and forth for six months just to come to an end. It was a while. It was like a week and a half that we went back and forth and stuff. But thankfully it all worked out. Yes. Do you guys consider each other like your best friends? You guys I would definitely I would Graham and I really I would consider Graham a really good friend of mine. Yeah. I would say Jack Jack is really I wouldn't say best cuz cuz I' I've had friends since I was like I've had friends since I was like eight or nine years old out of like I would consider honestly top five. Top five. Top five. I'll take it. I'd say the same. Top like 10 maybe. Top six. So it's not just like an employment thing. It's you're actually friends. No. Yeah. We're actually friends. That's good. It makes it difficult because I do think it it's I don't want to say like friendship first, but it does feel a little bit like that. It does hold back a little bit on his punches if I if I do poor. Sometimes it is. It's I think of the friendship first. Not all the time, but sometimes. So, it's it does there's a line now that's blurred that you can't go back after that. Yeah. So, it does make it harder for So, but I I think the positives outweigh any sort of just awkwardness like Jeff, we got it. We got friends and if we aren't friends, right? Yeah. So, Yeah. Right. Yeah. Interesting. Like uploading the podcast 24 hours before. Dude, I've been doing it way before now. I've been doing it days before, like uh scheduling it. Yeah. Wow. Good for you. Jack sometimes would have these podcasts uploaded like the night before 2:00 in the morning when it's posting at 9. And it was just like I liked it to be done 24 hours ahead of time so I could go to sleep that night and be done. Yeah. All right. I mean, is there anything else cover? I think we're good. I'm good. Are you good? Yeah, I'm good. Cool. Okay. Should you want me to do the outro? Yes. All right. So, Taylor, thank you so much for coming on the iced coffee hour. Jack, thank you so much for being here. And thank you guys so much for watching. I really appreciate it. As always, make sure to destroy the subscribe button. Oh, you have to say make sure to destroy the subscribe button for the YouTube algorithm. Make sure to destroy the subscribe button for the YouTube algorithm. Perfect. And uh yeah, also feel free to add us on Instagram. Uh I post there pretty much daily. Yeah, if you want there, feel free to add us there. Oh, and then also you could get three free stocks by using the Weeble link down below in the description because two of those stocks are worth at minimum $8 and all the way up to $1,600 as on Taylor's channel. She posts there every Tuesday and every Friday or Thursday. Every Tuesday and every Thursday now. So feel free to add her there. Cool. Yeah. Thank you guys so much for watching and until next time. I love when people try to like read your lips when you bleep something out. Yeah. What did you say? Can you tell me what you said? I cannot tell you. Here's the thing. So, this is during this is a reference to the Andre J podcast. That's what I'm talking about, too. What did you say? So, I said something during the Andre J podcast. And honestly, guys, it still is sometimes uncomfortable for me to be on camera. So sometimes could say it and then just no I'm not going to say it. Okay. So whatever you think of me like right now half that and then half it one more time and then that is the person that would be capable to say what I said in that podcast episode with Andre J. I think did someone get it right in the comments? Someone wrote no is so out of this world. Uh to sum it up, right, Andre went on like this monologue talking about like how he grew up and like I don't know, he like came over here from Russia and like has all this like background in magic and then there was a pause and then Graham looked at me and Andre looked at me and I was like uh I should say something. So I said something and it was so stupid. It was not mean. It was not like sad. No, not at all. Just like why did you such a stupid stupid like I still I can't believe I said that. Did you just ask if the like magic helps him get girls or something like that? No, it was like No, like that that at least is like kind of comedic, right? No, this is just plain old stupid. Like you Yeah. And it wasn't inappropriate. What could it be? No, it was just stupid. It was stupid. No, I'm not just keep Are you going to include this? No. No, he's going to bleep a lot of it out. So now in the comments, people, what did you say? What did he say? And I just want to say I am so sorry everyone because there have been so many comments saying they don't want us to bleep stuff out. Um, let me know if you'd rather me just cut out parts where we bleep stuff out entirely. Um, yeah, because during this Be a Hesa podcast posting on Sunday as well, we have a lot of bleeping out we need to do. Very. Uh, so it's the 27th. So, you're going to do the intro. Okay. 27th, right? 27th ever. So, you say it's the 27th ever episode of the Ice Coffee Hour. Um, say my name is Taylor and so far the podcast has made How much is it? 1687 Wait 166,000,87 1687. Could you You got that? Yeah, I got that. Okay, go. What? Sorry. 27th episode. 27th ever episode of the Ice Coffee Hour. Okay. My name is Taylor and so far the podcast has made $16,000. $87. $87. Cool. You can do that. No pressure. All right. All right. Oh, and then look into Yeah. Which one? The middle one. The middle one. Also, if you mess up, it's no big deal. You could just resay whatever you want to say and I'll fix it. Yeah. Cool. Except for you guys usually leave it in if someone messes That's on Jack. That's That's Jack. Let me know. No, I think I got it. Okay.