Confronting Tiffany Ma | How She Spends $60K Per Month

Welcome back to the 55th ever episode of the Ice Coffee Hour. My name is Tiffany Ma, and so far we've made it $67,800 on this episode. On this podcast. Oh, wow. She put a spin on it. I hope it happens one day. That would be amazing if you could make $67,000 for an episode. That was so much pressure. I'm not going to lie. Really? Yes. You did great. That was I will say that's probably the best one we've had so far. Don't don't hype me up like that. No, I'm serious. It was great. No. Jack rarely says that, by the way. Yeah. Oh, thank you. Thank job. Well, thank you so much for coming on the podcast, coming all the way from Los Angeles. Yes, it was a 5-hour drive. Really? Wow. Did you Did you do that this morning? I did do it this morning. Oh, we did that, too. That Yeah. Actually, wait a second. No, yeah, we were an hour ahead of you. So, we went to Los Angeles briefly yesterday, just to support Meet Kevin. He's running for governor of California. You got to vote for Meet Kevin. Vote for Meet Kevin. But, he was holding a rally in Venice Beach, and last minute we decided it would be a really good idea to go down and surprise him. That's That's good friends right there. I also can't believe he's running for governor. Yeah. And he's serious about it, too. People were were actually messaging me on Instagram and saying, "I didn't know he's serious. I thought it was like a publicity thing. I thought he was doing it for clicks." Like, no, he's he's actually serious. He's really doing it. He's running. Do you know who the other candidates are other than Caitlyn Jenner? Uh Gavin Newsom. Oh, that makes a lot of sense. Do we say his name here? Do we say his name? think he says his name. Okay. Yeah. We can bleep out the name, as well. Yeah. Kevin calls him Gruesome Newsom. Why is that? He's not a He's not a Oh, he's not a fan. It makes sense. He's his opponent. That makes a lot of sense. So, we should probably give you a little bit of an introduction before we proceed. Graham, you like saying the story. Yes. Okay. So, Tiffany Ma, you are Yeah. So, you are a YouTube influencer. Yes. YouTubers. And uh you posted a video a long time ago. Maybe like What was it? 2 years ago? Probably. How you bought a $1.3 million house at 25 years old. Yes. And in that video I reacted to it. Mhm. And I forget at the very end I I said you clickbaited us because you never told us the details of like how expensive the house was. Yes. So you gave basically your entire story of how you got started, how you made money from YouTube, you saved it up, you bought this house in Los Angeles. And it looked like a really nice house, by the Thank you. So I reacted to it and I'm like, "You didn't give us all the details." Then you made a video of What was it? How you spend Was it how you spend your money? Um it's how much I spend in a week, I believe. Yes. How much you spend in a week. I reacted to that because in that video you went down your houses your house expenses. Mhm. And both of those videos, by the way, did extremely well on our channel. Yeah. They really did. all one. mine. I was like, "Graham is making more money off of me than I am." Which is so embarrassing embarrassing for me. It's not It's really good for you guys. So this this also happened with I felt so bad for Shelby Church. She would put like days of work into these videos that I would just knock out in like 30 minutes. And the video that I would react to in 30 minutes would like triple the views of of Shelby's original video and make like double the amount. Don't hate the player, hate the game. Yeah. I mean, mad respect for you for figuring out that reaction videos do so well. So So we realized like, "Wait a second. We're on to something" cuz two videos in a row from your channel did really well. So we're like, "How else could we extract value from this channel?" And we What did we do? You What was the next one? You posted another video. It was how much I spend in a month. As a homeowner. Yes. Right? Yes. Yeah. So then a third one. Yes. So yeah, we're not going to stop at two. No. Going to go three for three. How much I spend in a month. And that video exceeded our expectations very well. well. And then you realize this, you're like, you know what? I'm going to make a response video to Graham. Mhm. So then you respond to me, and then I'm like, now it's started. Because now that you responded to me, I got to respond back to you. I was jealous you're making so much money off me that I was like, I need to make money off of Graham somehow. Smart. It's smart. And by the way, all of these conversations were happening through YouTube. We had reached out like briefly maybe a year ago saying like, oh, you know, we should all just grab dinner at some point. Uh but everything else be beyond that was like through YouTube. So I would hear your response, record myself responding to you, post it on YouTube, then you would respond back. Yes. We did this like five times, and it was very successful for our channel. So now, this is the first time we've met in person. That's amazing. So hi. Hey. So thank you so much. So yes, the story doesn't end there. Oh, let's continue the You forced You didn't force me. You You really tried to get me to make a video that I was really uncomfortable making. Wow. But I did it cuz you said that I should do it, and I said if I got 5,000 likes, I would make it, which was But first, I want to thank this video's sponsor, Morning Brew. Before I discovered Morning Brew, my morning routine consisted of me endlessly scrolling through social media or staring at Elon Musk's Twitter page to see what crypto he decided to plummet that morning. But now, I'm subscribed to Morning Brew. Morning who? Come on, Graham. I said Morning Brew. Oh, duh. Morning Brew. Oops, I am so dumb. Wait a second. Jack, did you write this script? Morning Brew is a free daily newsletter that's delivered all week. It catches me up on business, finance, and tech news in just 5 minutes. Traditional news is so boring, and with my tight work schedule, I need something that is easily digestible and won't take me all morning to read. That's why Morning Brew is relative and informative while keeping it concise and to the point, which I absolutely love. Something really helpful I've learned on Morning Brew is that lenders have been calling employers to confirm you're working from home, which is super helpful because I'm actually looking to buy my first house and I really hope they don't call Graham. They better not because I won't pick up. Right. Anyways, there is no reason not to subscribe to Morning Brew if you're interested in business, finance, or tech. Plus, it's completely free and it takes you less than 15 seconds to subscribe. Seriously, guys, I've been using Morning Brew for well over a year and I absolutely love them. I read pretty much every single newsletter every single morning and I really want them to be able to sponsor us again. So, go and click that link in the description. Go and subscribe. You're not going to regret it and enjoy. how much money I'm making a month. Yeah, that's right. $40,000 a month. I feel like that's on the low end. 60. Oh, it was 60? I thought it was 40. No, that was Kelly Stamps. Kelly was 40. Gosh, I'm confusing everybody. $60,000 a month. But I feel like that would be on the low end. Um It It's got to be. Some You know what it is? It's my sponsorships really fluctuate, which is the number one thing I hate about what I do, which is why I would love if the majority of my income actually came from AdSense because it's very, very steady. No, my uh some days I have really, really good months. Some days I don't get paid for 4 months later. So, um Is it the same for you because I know you do sponsorships as well, but do you get paid 3 months later? Yeah. Yeah. Yeah, so there there was one that I'm never going to work with again. We'll bleep it out, Alex. to now. Yeah. It has been terrible. I will never do them again. They're a fantastic product, but just bleep out They're a fantastic product. I actually really like them, but as far as having them as a sponsor, we'll never do it again. How long do they take? Uh like 4 or 5 months. It was terrible. It was terrible. Wait, that's bad for you guys? That's bad. That That was bad. five months? Yeah. Who's your agent? Who's your agent? Um so I was with WME, but I'm no longer with them and I just have a manager now. You should I feel like it's not the brand's fault. It's the It's the agent's fault if it's taking forever. Um so the story I'm going to say is actually before I had an agent or a manager and I used to have a fake manager. I would send an I was smart but dumb in some some ways. I would pretend I would have a manager so that I could actually ask for more money. So my girl's name was Lisa Bates. Um I'd be like I'd get the incoming email and I'd be like, "Yeah, let me send it to my manager." My manager's name was Lisa Bates. I'm not going to lie, trying to make her sound as Caucasian as possible. Um and she would be the one dealing my deals. But Wait, so you were catfishing? So you're pretending to be the manager? with massive brands catfishing. Like I'm talking about 200 500 companies catfishing them and then I finally got a manager. But done Lisa Gates or like Lisa Bezos. Schwartz or something like that, you know. I mean I I honestly I look back Goldstein, Lisa Musk. Lisa I think you can't mess with Lisa Musk. What was that movie with Christian Bale where his last name was Bates? American Psycho. There you go. I think I just watched it and I was like, "Lisa Bates is in it in it." Um but we'll bleep this out. Um you know, Yeah. didn't pay me for a year and a half and then they paid me It was a $10,000 brand deal. This was before I had a manager. So 10,000 to me was so much. Um they only ended up paying me seven. Why? and a half later. Why? I don't know. I even emailed them being, "This is $3,000 short." They never responded. Wow. How do you land those like mainstream media like brand deals? Um you know what it is? I think it's because we're different types of influencers. I definitely am more of a lifestyle influencer, so I work with 17 magazine, Vogue, um Target, these massive actual five Fortune 500 companies. Um and I think it's just the type of content that I produce. So, if you see my Instagram, I I think my photos are cute and good. And I'm also very relatable because at the time I was in college and um I don't know, that's a really good question. I think I think of that I think of that every single day. I'm I can't believe Target wants to work with me, especially since I cuss now. Mhm. I find it very surprising. Let's let's go all the way back. How did you get started doing all of this? Uh it's It's a crazy story. So, I was 16 when I started. Um I watched a lot of makeup videos on YouTube and I was like, I think I can do makeup as well. I could not. Terrible makeup artist. I'm not even a makeup artist. Terrible makeup applier in general. Um and then I graduated high school, went to UCLA. I was consistently making videos maybe once every other month. Um my senior year of high school college, sorry. I got a full-time offer for $60,000 doing I was business economics. I'm so sorry, I'm all over the place right now. There's so much to this story. Um so, my junior year between senior year, I had a summer internship for one of a pretty big um accounting firm. Um they gave me a full-time offer with $60,000. Um and then that February, right before I was graduating, uh both my grandparents passed away. And I had a midlife crisis. So, uh I remember crying. I actually called Tammy, who's sitting over there. I was like, "Tammy, I don't want to do this job. I think I want to make YouTube videos full-time." But, the problem is I I made $11,000 or 13,000 dollars the year before. That's not bad. Like that's pretty good. That's true, but going from 60,000 dollars in a cushy career-driven job where there's a corporate ladder that I can climb versus 11,000 dollars. I was like Yeah. I don't know if I'm throwing away a career just for YouTube. But 85% pay cut. Oh, that's Yeah, that's good math. Imagine that check. 85% less. Hmm. You wouldn't be able to eat all the fast food he's eating, right? That's That's a reference. Don't even Well, thank God that uh a year later I was making six figures. So it ended up being pretty good. you went from 11,000 to 100,000 dollars in 1 year on YouTube? How? Um I grew so fast. I think I graduated with maybe 100,000 subscribers and then it grew to about six to 700 So how much were you making with 100,000? 11,000 dollars. Wow. Wait, so so when you quit your job, what was that like by the way, quitting? Um I emailed the guy and I was like, is there any way I can defer my offer cuz I actually technically didn't start till October of 2015 after I graduated. So we were able to defer it to October 2016 cuz they absolutely loved me. I'm a biggest kiss-ass. I I love talking to older people. I'm just I genuinely just like love to get to know people. So like all the partners loved me and they were okay with me deferring. And you just decided I'm going to dive headfirst into YouTube. Yes. So you never rejected the offer though. You just deferred it. I just No, I I accepted, which is the biggest no-no you can do at UCLA. They tell you all the time that if you ever get a job offer, never accept it unless you Mhm. Like don't accept it. Yeah. Um because it takes the job away from someone else. Right. So definitely a mark on my transcript there. But um I uh they actually emailed me in July 2016 asking if I was coming back and I said no. Wow. Yeah. So, they're probably very unhappy with me. How often were you posting? Like what was your What was your financial situation like at that time? Like how were you able to support yourself and save and make YouTube videos? Like what was your financial situation like at that time? Like how were you able to support yourself and save and make YouTube college, um so actually I convinced Tammy to move into with me in a loft in downtown LA in Skid Row right behind Cecil Hotel. Wow. Yeah. That by the way, I think I watched What was that? It was on Netflix about the Cecil. Yes. It was a I highly recommend anyone that wants to watch this thing. It's a nail-biter. And I lived right there. Wow. Yeah, that was my view was the Cecil Hotel. For those that don't know, the Cecil Hotel is located in this area of a lot of like transient sort of people who come in and out a lot and there are a lot of people who go missing from this hotel just because of the area it's located in and the whole story was about was about a tourist who stayed at the hotel and then you see this footage of her kind of going kind of nuts. Oh, is that the one of her like in the elevator? and out of the elevator. No, it was the water tank. Where is she? Yeah, she was in the water tank. They find her in the water tank and they try to discover what happened to her and they try to trace back like where did things go wrong. Really, I don't want to give it away crazy. but watch it. There's a Netflix documentary on it? Is there a solution or do they just leave it at like it as a ambiguous ending? I It's like a 99% confirmed solution but like there's maybe that 1% chance where like that's not what happened. Yeah, I've seen like top 10 scariest real life horror stories like YouTube videos on videos on YouTube and then that's always like It was freaky like watching her in and out of the thing. Yeah, freaky. She was like looking out of the elevator, too. Trying to hide from someone. And then they they found like some like foot. So there there may have been like someone else there. It's watch it. It's a good It's definitely a good series. Have you been to the Cecil Hotel? Um I have not, but I walked by it all the time since I lived right there. But that's not even the scariest place I've ever lived at, surprisingly. I actually um I've actually never told anyone this, and I don't know why I'm telling you. I'm getting vulnerable. We're getting very We're getting deep. We're getting to know each other. Shout out to the Clips channel. So you know what, Tiffany? We actually just made a Clips channel for this podcast. Nice. Wow, that's amazing. Isn't that awesome? That's perfect. Yeah. It's linked down below. Welcome back from the sponsor. Uh welcome back from the sponsor. That's right. Um so the scariest place I've actually lived at is when I grew up. Um I grew up in the ghetto. So I I I think a lot of my fans or followers think I've had a cushy life. I didn't. Um I grew up behind a trailer park growing up until I was about 8 years old. was this? Um so this is Sacramento, um and it's in a neighborhood called Broderick, which is actually one of the worst um neighborhoods in Sacramento. So yeah, so I've I've seen some things growing up as a kid. What made that part so dangerous? Or scary. There's gangs in that area for sure. Yeah, and then there were deaths and drugs in the trailer park right behind us. So I mean I grew up in Section 8 housing. So I don't know if you're familiar. Yeah, so um I mean my family was on food stamps. Uh I was living with my grandma with my sisters at the time. So I didn't even live with my parents, which is very very common if you're Asian. Like in the Asian culture, a lot of your grandparents will raise their kids or your grandparent will raise you. Why is that? Because I've seen from from my Asian friends is they're all in one household. So it's like a multi-generational household where like the grandparents will live with the parents who live with the kids. But is it Why Why do the the grandparents raise the children? Um well, my mom was an entrepreneur My entire family is are pretty much entrepreneurs and thank god that my uh my parents and my family got us out of that situation. But um they actually moved to New York. They only took me weirdly. Um and my all two other sisters were still in Sacramento and they went to school out there. Um and then my parents got divorced when I was four or five. And then I uh got sent back to Sacramento to live with my sisters. Um and I think it's a I don't know why. I think it's very odd. I would I could never give up my kid and make my mom watch them. But you know, I think it's a different culture thing and it's a Sure. Um yeah, I I I can't explain why. Okay. Yeah. How do you think that that childhood experience has affected you today? Um Any thoughts on maybe like money or relationships or something like that? You You know what? I see I think I'm good with my money until Graham Stephan makes videos about me and I'm like You are good with your money. You You're good with your money but I make everybody look bad with their money though. Yes, you make me look so bad. You could be like a financial minimalist and I'd be like wait a second, you spent 15 cents more than you needed to. Yeah. See I Yeah, I definitely think I'm pretty good with my money. Um I made a pact with myself when I was in fourth grade to never ask my parents for money ever again. So I have not asked my parents, my grandparents, anyone for money since I was eight. in fourth grade though? Um you know what it is? I hate to call out my other sister. My other sister I hope you're not watching this, Tree. Um so my other sister is a She would always ask my parents for things and she knew that we didn't grow up with a lot of money. So I could just see the stress on my mom's face and I'm definitely very empathetic and I definitely grew up a lot as a kid. I think I grew up really fast as a child in the situation that we were in. Um, there's a lot more trauma with that as well, but I just saw how much my parents struggled that I didn't want to be a burden on them. So, not to say that they never gave me money. If they gave me money, I would never deny it. It was just that I would never ask for more on top of it. So, like if I wanted to go to on a field trip that was $25, I made sure that was my own $25 that they had given me prior. It wasn't like, "I need $25 for a field trip." It was like Oh, like thank you for and budget and Yeah. Yeah. Um, so I've kind of been like that my entire life. Hm. But you make me look terrible. Oh, jeez. All right. you out, Graham. I don't feel like Graham's just addressing the holy making all these videos getting more views and just like relentlessly It's amazing. Don't feel bad. I'm not trying to make you feel bad. I'm so sorry. That's not my So, so Skid Row. So, let's get back to Skid So, you're living you're living uh around Skid Row. Uh, at what point do you do you leave that area? Move somewhere else? Uh, my only lived there for a year because I was making six figures and I was like, "I can't live in Skid Row." Although, I will say I was never scared to live there. Like, to be quite honest, I never locked my doors. Like, we had it unlocked all the time. Um but my sister moved out. She moved back to Sacramento, and I moved to South Park, which is kind of a more bougier area of downtown LA, and I had a really nice um one-bedroom apartment for about I think it was about 2,000 sq ft for I think it was 3,400. That was definitely a splurge for me at the time. Um, I lived in Lemoore Park for about a year after that, and then I moved to my spot now. Do you know where my spot is? Yeah, it looked like uh West Adams or something, Yes. Like around that cuz I used to be Yeah, so I lived uh in West Adams. So well? And I've seen all of the houses around the area. Oh. But I But I looked around all of those areas. I've seen everything cuz I was obsessed with just trying to find good deals in that location. And I was actually I was in escrow briefly. And I listed the house for like 1.5. And I got an escrow 1.550. And it just had so many issues. And the seller was like giving me shady information. Like stuff that that if you were a seller, you would have known about these things. But But like I I can't say that the seller was like lying about it. But you should know if the house is on a septic tank or not, right? Mhm. It's on a septic tank? Yes. So So there was a guest house that was built on the property that the seller said it connects to the sewer line. So I said, "Okay, Pearl, I'm going to get my inspection done." Turned out there was no sewer line to the guest house. The guest house was on a septic tank. But that whole area wouldn't permit for a septic tank. So the septic tank was put there illegally. The guest house they had no record of any permits ever being pulled for the entire guest house. And they quoted the square footage that included the garage. I'm like, "We don't include garage in the square footage. A lot of the house is not on public record. They had no They had no record of of this stuff." A lot of the renovations were done without permits. And it was like so much like so much of this like just wrong with this property. I asked for a huge repair like a hundred thousand dollars uh basically a credit back for all of these issues. And they told me no. So I backed out. Now the final joke was on them because they ended up They Then Then the illness hit. Yeah. They took the house off the market. I was like, "Huh, look at that." Took it off the market. Well, guess what? They put it back on the market and they sold it for like 1.8. during during the illness. got it for 1.8. Yeah, I wouldn't I would not have paid that. It was Listen, it was a gorgeous house. Like visually, when you walked in, to me it was a 10 out of 10. Graham is trying to find the photos of this old house. I um was going to actually buy a house with my ex-boyfriend. Didn't work out. Um Why would you buy a house with a with a boyfriend? Um you know what? It was just like the next step. It was like Wouldn't the next step be getting married? You would think so in my head, but in my head I I really wanted a house. I really wanted a house. I was at the point where I was sitting on too much money and it made me really uncomfortable and I was like, I need to put this money somewhere. And I didn't know how to have that conversation with my boyfriend where I wanted it by myself. So it wasn't forced, but it was like I'm trying to be nice and pretend that this is going to work out forever type situation. But he's amazing. I wish him nothing but the best, but um we were in El Cerrito, we found a beautiful house. And we put an offer. We were in We were in We were in escrow for about almost 2 months because they could not get it I forgot what the license is called. An occupancy license? Occupancy permit? Oh, yeah. Occupancy Certificate of occupancy. You can call it, yeah. They couldn't get that. And I remember um so while we were signing escrow, I saw this guy's name who was the seller, and I look up I looked up his name, and he used to work for the LA City Council. I don't even know if I should be saying this story. And I found I find out there's a lawsuit against him because he tried to He was he partook in illegal activities while he was sitting on the council. So either way, um it turns out that once we were going to get the house, the neighbor was planning on su us suing us for a land easement because the walls our walls were on their land. Um so they told us this 2 days before we were closing on the house. Like 2 days before we were putting money in the house. My ex-boyfriend and I were literally sitting at Wells Fargo. The line was taking so long that we were like, "Okay, we're just going to actually send over our payment tomorrow." It wasn't our It was like the rest of our down payment, like the other 17% of it. Um and literally we uh the next morning we finally out we find out that the neighbors were going to sue us once we got the house. in disguise. Yes. And then we broke up a month later. So it was just like Why'd you guys What what happened? What was Now now I'm I'm just curious what caused the breakup. bad happened. It was um the breaking escrow I don't know if that's the right term. Yeah. Made me real It was a wake-up call for me that, you know, like things weren't weren't happening the way I wanted them to and I was just kind of going with the flow when I shouldn't have been. Yeah. That's a blessing in disguise. 100%. But yeah, I'm I'm with Dave Ramsey in this. You never buy a property unless you're married with with somebody else. I would never do that with like a like a girlfriend. by yourself, I'm guessing. Okay. Yeah. Amazing. Yeah. Until you're married, you don't you don't buy a property with somebody else. Well, in Colorado you I don't know if you saw that I was in Colorado in February for a whole month. Uh When we were doing the back and forth, I was in Colorado. We were out there to find a house with my boyfriend. Boyfriend? Another a different boyfriend. You're trying to find a house with a boyfriend again? I've never I mean, hm yeah. Would you I I say I'd say he's the one for me. Like He's the one. feelings I have towards How long you guys been dating? We've been dating for 3 years now. Yeah. And then would you want to get married or is that something it's it's more of just like a like a partnership? Um would we want to get married? I guess, yeah. Yeah, I mean we've talked about getting married for sure. Um but for like next steps, we both wanted to have a house in Colorado for our future kids. So, I thought it was just good timing, but it turned out it was terrible timing. The market in Denver, Colorado is so hot. Right. Right. I don't know. I'm I'm maybe old school. I think maybe marriage and then and then you buy a house together. So, what about kids? Like you'd want to have like I'd want to get married first before having kids. Do you guys live together? Yeah, you do. live together, yeah. But I was to say like if I was to get have a kid right now, I wouldn't think anything of it. Yeah. Yeah. I'd be like, okay, like our plans are changing a little bit, but that's fine with me. I love the idea of getting married, but I don't need a ring on my finger at the same time. Although, Matthew, if you're watching this, I'd still love a ring. I don't know which camera to look at. I'm looking at all of them. That one That one's on you. You got to propose, man. Yeah. Yeah, if you do it, make sure to do it on the Stest Family vlog. Yeah, so we can monetize it. Yeah, on the Stest Family Instagram. Yes, yes, please. So, here you are today, $60,000 a month. Where are you investing it right now? Where is it going? Oh, man. Um I'm not going to lie, I'm sitting on a majority of it in cash and just losing money on it. What? I don't know what to do with my money. I That's why I wanted to buy a a second home in Colorado. Well, tech stocks uh just dipped and so did cryptocurrency. Yes. You can buy Dogecoin at like under 30 right now. Yeah, I think it's like 27. Yeah. Yeah. So, why why do you want to buy the property in Colorado? What would that do for your money? Would you rent it out? um so, I want I mean, you've lived in LA. All the uh schools in LA suck unless you live in Culver City or any of the other areas that are really hard to purchase in. So, I want kids in the future, not anytime soon. And I just wanted a good school system, which is in Denver, Colorado. My boyfriend right now used to live in Colorado, so he absolutely loves it, and I've fallen in love with it because it's definitely a very outdoorsy space. We can go snowboarding. I snowboard. So, I mean, I just was like, if I have you know, half in the bank right now, um I should put it somewhere that will make me more money. So, we're hoping to actually purchase a vacation rental. So, it'll be like an Airbnb, but also our second home at the same like a vacation spot for us. Got it. I would diversify because you have your house in Los Angeles. Yes. I think putting more money in real estate in in another location would be a little bit too concentrated on real estate. Really? Yeah, I'd do more stocks. Yeah. How much money do you have invested in stocks right now? Um I think about 180. 1 Yeah. Yeah, I would get that up. Yeah. Especially let's say if you have 500,000 in Well, luckily we're doing a video where you get to spend $10,000 of mine. Mhm. Wait, what? it. Explain this to Wait, that's the video concept? Yeah. Wait, just spend it or invest it? Spend it. Spend it on myself. You're kidding. Yeah, no, you're I'm giving him $10,000. on myself. You're kidding. 100%. Are you serious? She's giving you 10 grand? a follower. because she's cuz she said like I never spend money on myself, so I have one day to spend $10,000 on myself. Are you kidding me? No. No. It's a video idea. Oh my gosh. I feel terrible. Why? Because we're we made all of those videos like my beef with Tiffany, and then she comes here, and she brings toys for your pets, and she's giving you $10,000 and appearing on a pod- podcast? Geez. Oh my gosh. You're too You're too kind to me. monetization loop. Oh my god. That will be on my channel. Make sure to watch it. Yeah, go to Tiffany's channel. It's linked down below and you can see that video of Graham spending money. I'm really excited for this. Me, too. Are you guys going to get in the car and go shopping and stuff? Yeah, we're going to go to Gucci. Yes. You're kidding. Uh Hermes, Louis Vuitton. You're joking. I don't think we can afford anything at Hermes but they're like 10,000. Is that expensive? Hermes? Yeah. Yeah. We got to deck you out with like an Hermes belt or something. Yeah. No. Absolutely not. H right there. Yeah. Hermes is one of these spots where everything just 10x the price of everything. I thought Louis Vuitton was the most expensive. No, no, no. Hermes is one of these things where where you have you have clothing from Hermes that you know is from them because it's so like out there and vibrant, but they also have stuff that you would have no idea like that shirt could be like Hermes. You'd have no idea, but it would be like $900. But you would have no idea cuz there's no logo, there's no nothing on it. Do you know what a Birkin bag is? Uh that I don't know what it is, but I remember that one guy Alex. Alex Pardo. Yeah, he like buys them, but I don't know what they look like or what the logo is or Oh, it's just like it's a bag that's actually an asset cuz it just appreciates in value over time. It's like a purse. Yes. Yeah, yeah, yeah. Okay. Yeah, yeah. That's They're made by Hermes, yeah. Oh, it's Oh, I didn't know that. Jeez. Yeah. They're nuts. If you want to spend $25,000 on a bag that Oh, by the way, I've heard stories that you can't even go in. They're like They're like the high-end Rolexes. You can't go in and be like, "I want a Rolex Daytona." They'll laugh at you. They'll laugh. You can't go in and be like, "I want to buy a Birkin bag." Unless you're like a really good customer of theirs and they're reserved. do they say at the door? You like try to walk in and they say have any available. You have to start by buying their scarves. They don't even let you buy their normal bags cuz they have more than just Birkin bags, but you slowly have to just build What do you have? Do you have any From Hermes, I See, I'm so good with my money. I don't have anything. How much does your outfit cost? Oh man, vintage $20. Um If we're not counting my rings, like $50, $60. That's pretty good. What about the rings? Cuz I see one Cartier, I think it looks like and one Tiffany's and um And how much I'm not going to lie. How much are the nails? I did my nails myself. I'm actually really good at my nails. I'm really good at my nails. I'm really love that. Yeah, yeah, Macy would go nuts over this. I thought that was like $100. Yeah, that looks incredible, actually. Fun fact, I used to want to be a hand model when I was a kid cuz Yes, but no, my nails are done at myself. No one's interested, but I'm showing Jackie and her mom my nails. Is that Are those nails real? Yeah, 100% my nails. No. Yeah. Oh, no, they're not. They're not. So, those So, they're they're not like extensions? No, there's no way those are Those are not your actual nails. I'll bet you $100. Those are your actual nails. show you a um a video of my nails before. That's healthy. Wait, so you don't have any sort of like extension on that? No. I have very healthy nails. Yes, my nails Hold on. Is it You can see underneath. What? Oh my god, it is. Wait, there's nothing. There's nothing cuz you could see the like see the growth. I actually only started coming to terms with the fact that I used to be really poor maybe 8 months ago. Like when I went to UCLA all of my friends parent I was the only person I knew that didn't have divorced parents. Hm. Or That did have That did have divorced parents, you're right. Um and Not to call out my little. I have a little I don't know if you're familiar with like sorority life or fraternity life. Kind of. I hear like a bro and a big sister and a big bro and a That's the person like the year above or below you. Yeah, they're kind of your mentor or your best friend depending on your relationship. So, mine is definitely I'm more of her mentor, but her her dad's very very successful. Um like COO of like a Fortune 500 company successful. And she would tell me her monthly allowance and I'd be like How much was it? I don't know if I should say. we we No one's going to know who this is. I'm just afraid if she watches it. But you but but you never said her name. That's that's very true. Yeah. I mean, she's in my videos. They'll probably know. But she gets Let's Let's say it's like in the thousands. What but thousands could be like there's a difference between 2,000 and 6,000. Um I would say like like low thousands. Like a couple thousand 3,000. That's still So, 100 bucks a day. Crazy. That's $1,000 a month I'm in a sorority. Yeah. So, I'm in a sorority where everyone's You're still in a sorority? Well, I'm an alumni now. Oh. So, I guess you never leave a sorority. Yeah. Although, I wanted to leave my senior year because I just thought it was stupid. Uh fun fact, um I was treasurer of my sorority and we had monthly dues and I wouldn't make myself pay. You wouldn't make yourself pay? They know cuz no one would know. Um so, there's there's fees. So, it was $145 a month to be in my sorority and there's like a little fees like a late fee if you didn't show up to a meeting on time. There's Have you ever talked to someone that was in a sorority? Mhm. There's really stupid fees. Um if you missed dinner they would charge you $15 for What about the leader of the sorority? The president? Yeah, what if She would still have to pay if she didn't I mean, she'd always be at the meeting cuz she's the president. I was VP of finance. So, um I was in charge of I I put girls through collection. I would Like a like actual collection? for sorority. That wouldn't show up on a credit report, would it? Oh, it did. You're kidding me. If they didn't pay their dues. I'm not going Alex is laughing over there. Alex is cracking up. How do you file that with all with all three credit bureaus? So, they got um they got three notices and I I had to file it. And it wasn't So, you'd lower the girls credit but there's no way because let's say you get a parking ticket. That doesn't show up on a collections. If you just never pay it, it grows to some exorbitant amount. That wouldn't show up on a collection. It's just you wouldn't be able to register your vehicle after a year. There's no way it would show that would show up on a credit report cuz otherwise what would happen is like if I want to screw you, Jack, I'd go and file with the collection agencies, get that on the report, you would dispute it, I'd be like, "Oh, I don't have it." and then it gets removed, but that puts you through a whole bunch of stuff. Otherwise, everybody would just be like, "You know what? I'm going to screw you, Jack." think you understand that sororities are companies. We have like 50,000 members. We have a headquarters. I mean, we were our income in my sorority was probably three to four hundred thousand dollars just for my house. Who collects? Where's Let's say there's a profit. Who gets the profit? Well, it's a non-profit. Yeah, but but okay, if there's money left paid out to the to the presidents and CEOs CEOs. If there's money left over, money left over, we actually had quite a bit of A lot of the sororities and fraternities were broke on uh UCLA's campus. We actually had money and we wouldn't spend our money and it would make me really upset because I'm like, "I'm putting in these dues, but I'm not getting the reward." So, we would spend this money on not parties, but like get-togethers. Kickbacks? Like Adrian? No. Um we would renovate the house. Uh we had a beautiful home in Holmby Park in Holmby Hills in UCLA. So, beautiful home. But, no, I would legitimately send these girls to collections. Um and I would send their paperwork, their social security, everything to the headquarters of Kappa Delta, which was the company or sorority I was in, and then they would do that. But, I would give them a 3-months notice. So, 1 month, 60 days, 90 days. And I hate I absolutely hated it to the point where I would literally be like, "I just need you guys to have a meeting with me so we can talk it out." And I will literally take everything out. But, they would refuse to have meetings with me. It just seems like you're getting like indentured servitude, and then like you're also paying into it, and then it I don't know. But, at the same time they agreed to like when you sign up for a sorority, you're given the fees and everything. You're paying them, and you're working for them. Oh, me as a VP of finance? Yes, I guess. Was I getting paid anything? No, which was why I wouldn't make myself pay for stupid fees like missing a party. Mhm. Or um I'd pay the monthly dues. It was more like the minor fees. that were like $15. I would I wouldn't even tell my friends that I wouldn't charge them for it. Like, I just wouldn't charge people for it sometimes. I'm going to get in so much trouble, but it's great. This is 7 years ago, it's fine. Mhm. But, going back to it, yeah, so a lot of my sorority friends were very well off, and I was so embarrassed that I would never tell them that I I didn't have money. I mean, I was always good with my money, so I always had money in a sense, but I didn't have their type of money. Mhm. Now, it's weird. Now, I feel like it's almost a badge of honor not to come from money. I agree. Now, it's like, "Oh, yeah, no, start started from the bottom, now we're here." True. You know? I think it's Drake that made us feel this way. Yeah. Mhm. I think so. But, I don't childhood like? Um it it definitely wasn't I mean, it wasn't like the The up in a trailer park or anything but yeah. Oh, yeah, my childhood bad was worse than that. But, it does seem like sometimes there is that like, "Oh, well, I had it worse." Yeah. But, uh no, I I It wasn't It wasn't like It wasn't terrible. Uh it's just both my parents were paycheck to paycheck. So, it was just uh There there There were few months where things were like just like really tight or I remember like my my mom would not have money for the rent some months and would have to like, you know, pay over time, just stuff like that. But, uh really supportive parents. That's amazing. Yeah. Is that what made you who you are today because they were living paycheck to paycheck? know. That was That was certainly some of it, but I don't know. I've always just been fascinated by money for some reason. Cuz I remember even as a kid when like before I understood the concepts of like uh like not having enough, um I was just I would like collect coins and stuff like that. Like I found that really interesting. It was my grandpa who told me like there was this 1909-S VDB penny that was worth like $2,000. Geez. And when I was a kid, I'd look at all the pennies to see if like I could find the 1909-S VDB penny. I've never found one. Like you It's rare to find It's almost impossible to find one in circulation, but I was still I I enjoyed that. Um and just like collecting things. Um I collected Tamagotchis. Do you remember those things? Those things are awesome. would always die. And uh and when I was This would This would have been like first grade, I think. So, this is like 1996. So, yeah, I would have been like 6 years old. I loved Tamagotchis and I I I'd collect them. And like for birthdays or Christmases or like I would go see my grandparents, we'd go to Toys "R" Us, I'd buy a Tamagotchi, and I'd just collect them. So, I I I had a fascination always for like money and collecting things. What was the weirdest thing you collected? Um I guess ever- everyone collected Pokémon cards, so that's like that's not weird. Tamagotchis are probably like the weirdest thing. Uh Oh, for a while I collected fossils. I was obsessed as a kid with fossils. That's cool. Yeah. I don't have any of them anymore, but like like the stuff where like you get like a little circle with like a leaf print in it and like that was old. I still love those things. Um collected fish and coral. That's not like that weird. I mean you're still collecting fish and coral. Right, for the aquarium. Nothing weird. Oh, uh I collected toenails. I'm kidding. I'm kidding. I'm kidding. Look at my face right now. I was like I don't know if I can do it. I actually thought you were dead serious because when we were clearing out your place Yeah. over on West Adams Yeah. My dad was sweeping the ground so we could sweep up all the trash and there was a collection of I want to say about 200 toenails. No. I swear. mine. That would have been the tenant's. Alex, look at Alex. He saw it. I can't see Alex. were so many toenails on the There were so many. Like and and they were like or just underneath the cups and stuff like on the ground so I was wondering if you had a cup like on the not on the chimney but like right on that fireplace that got knocked over and spilled all your collection of toenails. I swear and we filmed it too. But it was too gross to put in the vlog. It was too gross. know if you're joking or not so you you have to like you have to swear on both of your parents that you're telling the truth. I swear on both my parents I'm telling the truth. I swear on both my parents I am telling the truth. Put Put Put your hand to your heart and swear on both your parents. on both my parents that I am telling the truth. Alex saw it. There was literally a collection of like it was like a bundle of toenails. Okay, now I'm going to swear. It's not mine. That must have been the tenants. What do your parents think of all your success and your grand and what what What did your grandparents think of the whole YouTube journey and Um my I feel like both my parents and my grandparents didn't find out about my YouTube journey until I was pretty successful. So then they were just very proud of me. But I will say I had a typical upbringing where um my family wanted me to be a doctor or a lawyer. So I actually went that route. UCLA I was pre-med and then realized I hated all my science classes. So then I went business economics instead. But um yeah, I came home from school like doing extra homework on top of my homework growing up. Like think of tiger mom. But Tiger mom? know what tiger Oh, you've never heard of the term tiger mom? No. Imagine helicopter mom. Oh, yeah, sure. For Asians. And instead of being super controlling it's controlling about your school work and your grades. Mhm. Um like I got in trouble if I got a B. Type parents. Wow. I got praised if I got a C. Are you serious? If I got a C, my grades were so bad that if I didn't fail it was a good thing. Are you kidding Yeah. There were it was throughout middle school I I almost failed so many classes. They were like cuz we get the report cards it was usually like F F D F F. How could you do that? got A's in music and English. That's amazing. And then everything else was like D's and F's. And so I would get it to the bare minimum by the end of the year. And of like a D or like a C minus at the end of the year. And your parents wouldn't care would they care? Uh they would care but were never like you're grounded. Or any I've never gotten grounded. I got in big trouble if I got bad grades. Big trouble. So I had to get good grades. Yeah. You know, I just was so checked out. I hated it. I couldn't stand understand how you could make that decision though being 13 years old or whatever. the point. Didn't did not get the point. But I feel like you don't need to get the point at 12 or 13. Like you kind of just go with the flow. That's just a normal 13-year-old mentality. didn't like it. 12, 13. So, yeah, so 12. Sixth grade. Sixth grade. Sixth grade was 12. Yeah, so I would have just gotten into the whole like aquarium thing and I was spending all my time online. And I just thought like that's I think back then briefly I wanted to be a marine biologist. I was like I don't need any of this. My sister wanted to be a marine biologist. Yeah. So, I wanted to do that. But yeah, I was just getting into the whole like reef aquarium thing and I'd spend all my time online. I'd I'd finish school, go online on reefcentral.com just chatting with people about aquariums. So, you weren't bad at school, you just didn't care enough. Hated it. Yeah. I just I hated homework. Didn't see the point. But I went to a really weird elementary school. It was called SMASH in Santa Monica and it was this it was stand for Santa Monica Alternative Schoolhouse. Oh. And we didn't have grades for it and I went there until fifth grade. We had no grades and we had really no like formal education. Our classes were straight up like let's sit in a circle and talk about how we feel today. And just like let's talk about like, you know, That sounds like the anti-gram. What? To sit in a circle and talk about how you feel. You got all that out as a kid. Yeah, but you know what? But we didn't we didn't have homework. We didn't have grades. And I don't know what we learned. We we it was more of like a social school where they just talked about like what what are you interested in? Oh, we could talk about that in the circle. We'd have the talking stick. We sit in a circle like you know, we'd have a talking stick and like now you share something about yourself and then the kid next to you goes and I prefer that. So, to go from that to a place where it's like crap, we have like an assignment. I have to sit at a desk. Oh, that was the other thing. At at SMASH, we never had desks. It was a big table and you could sit wherever you wanted. I liked that. So, was that transition from SMASH to normal schooling? Is that why you did so terrible? It probably. I just hated it. But I liked Smash. I liked the aspect of just They're not going to get You turn in a work and as long as you like applied yourself, you're fine. Do you know how the kids that went to Smash turned out relative to those Almost everyone turned out not not successful, but everyone is doing some really unique stuff. Yeah. Um I would say I'd say most of them turned out really well. And did they struggle once they assimilated with normal school as well? Uh Some of them really transitioned well and some of them didn't. Mhm. Um but yeah, no, we knew some really smart kids um from Smash and I'm going to like Harvard and Yale and like Ivy League schools and other people just pursued their own thing. Wow. But yeah, I I attribute that to um kind of just thinking outside the box. So that's what I like. I don't know if this is a rumor, but did you once say you dropped out of high school and then finish your GED or am I imagining this? Uh technically I guess it doesn't matter now. Technically, I never graduated from high school. So I never did a GED. Oh, wow. But technically, I failed I think it was I failed a It was a Spanish class. And in order to get in order to get my diploma, I needed to have finished that class and I was like one credit short. And I just didn't see the point of taking that class over over summer. So when we did the graduation, they handed me a blank piece of paper. But they still let you walk? Yeah. Let me walk, but they did not give me a diploma. So I get technically I don't have a high school diploma. Technically, but like I I I did everything. It just minus the one Spanish class that I just was like I didn't want to take it. Wait, when you walked physically on the through your graduation, they didn't hand you anything? No, they handed me a piece of paper. Like everyone got a diploma, but mine was not a diploma. It was a piece of paper. Dude, I I didn't get a diploma either. I got a piece of paper as well. a piece of paper as well. I didn't get an actual diploma. piece of paper? I mean, I got my diploma like afterwards, but it on the actual stage it wasn't a real diploma. It was just a piece of paper. Oh, as far as I'm aware, everyone got a diploma. Everyone did. I was late on fees. I had to So, I had like after they did all that, I was like in my cap and gown, I had to walk down to the bookstore and pay fees. And then they're like, "Okay, here's your diploma." You know what? Not everyone needs school. I I graduated 6 years ago. I still don't have my UCLA diploma. It's a $40,000 piece of paper that I What am I going to do with it? It'd be cool to put up on the wall. No. Like That's an expensive piece of paper. That's true. Yeah. I'd rather have $40,000 on the wall. Mhm. Yeah. Imagine, right? Like a little montage or mirage. Exactly. Yeah. Where do you see your career going? Do you see yourself making YouTube videos forever? Uh I don't know. I I I'm not sure. Part of me feels like I mean, at least for the next few years, yes. But I like I admire the career of like Dave Ramsey. Look up to him a lot. Um Judge Judy. Love Judge Judy. Dr. Phil. Joe Rogan. I I love them. And so, like if if I were to have the perfect career, it would be like Judge Judy. I think just having like a 30-year-long, 40-year-long career, highly respected, no controversies. Everyone loves Judge Judy. I I want to be like her. You know that show's fake, right? What? Judge Judy? Yeah. No, it's not. What what's fake about it? Those are actors. No. Yes. No way. No. There's no way. I don't want to burst your bubble. There's no way this is fake. It's fake. No, it's not. I don't believe it. I don't believe it's fake. You're telling me like Santa Claus isn't real? I don't believe I don't I really I don't believe it. I'm going to look I don't think so. My understanding with Judge Judy is that the settlements um they're real cases, the settlements are paid for. So, like when somebody owes like $1,300 because they appeared. Because they appeared, those those things are paid. I would believe that she's a real judge. Yeah, she's definitely a real judge. that uh the situations were real. I would think that for a like a courtroom setting, you can't do that and for like a TV series. And so, it's like these aren't maybe real legal cases, but they're real situations that Judge Judy is is doing. Like mediation or something? Right. She could technically be like a mediator. It's arbitrator, I think. Yeah, here we go to the next level. So, this Morris Law Center says, "The cases shown are real cases with participants being persuaded to give up their lawsuit in a real in a real court of law. The courtroom audience members, however, are reported to be all paid actors." Judge Judy was once a real judge, but now is arbitrator, a very high-paid arbitrator. Okay. So, it's basically arbitration. Um and the courtroom audience members are actors, but the situations are real and the cases uh are not legal lawsuits, but they are That's interesting. real situations. So, I'm glad I didn't burst your bubble. So, it's still how you think of it. Yes, correct. Okay, cool. Uh just like by the way, Jerry Springer, apparently uh there are reported cases of people pretending on Jerry Springer. Right, but apparently, my understanding is they do their due diligence and they get real people on, but they pay all of their expenses. So, people are are like incentivized to go on there and play it up for the camera, but they are real people. Do you plan on making YouTube videos forever? Um It's a good question. Um I'd love to, but not just for the money. How do I explain this? I would love to keep making videos for the memories more like when I have like my kid or I'm getting married just so that I can look back on these videos in the future. I definitely want to do more vlog type style videos than anything else. But my real main goal in life is to actually start my own business and to become an angel investor. And I just don't know how to break into becoming an investor in other companies just yet. Oh gosh, it's a it's a crap show. Cuz you're in you're in a couple of correct? Are you allowed to say which ones? of them, five of them. Um Yotta Bank was the first one. Mhm. Um I like to say a few of them. Oxygen Bank was another one. Uh Juice was another one that was with Mr. Beast's company. Okay. Oh gosh, there's there's two other ones. Um anyway. Uh there's there's two other ones. At first I was like, "Wow, this is so cool. You could go and it'd be an angel investor." And then you begin to realize that there's so many of them out there and they'll pitch you every day. Like once you invest in one of them they're like, "Ah it's like it's like a shark smelling blood." Mhm. And now it's like every day, "Hey, we got this company. We got this company. We got this thing. We got this thing." And it's And And the more I'm realizing like it's a lot of out there. And everyone wants you to invest because then they could say "Graham Stephan invested in this." And this is a big wake-up call because I I invested in one and immediately after investing in this one, they used my name as like, "Oh, Graham Stephan is an investor in this." Uh And so And so now I'm like now I'm like really careful knowing that if I invest in something, they're going to use my name to get more investment just because I I put some money in it. So, I don't know. I I think if you really like the company, sure, but they just they just want your money at this point and the valuations sometimes make no sense. There was There was one It was like a stock thing and they wanted like a hundred I think it was like a hundred million dollar valuation for something that was I think they had like a few a few a few 30 40 50,000 members on it, but like they weren't but they wanted a hundred million dollars for it and people were buying it up. So, is it something that you think would be lucrative for you? Carrot. That was one of the company the Carrot credit card. That was one of them. That Yeah. That's working out for you or not working out? No, no, that was just a one one of the other companies that I invested in. Yeah. Yeah. Carrot is one of these things where I like I'm skeptical on their ability to make money long-term, but to provide value. But they're providing so much value and I like Eric. Eric is the creator and I'm like I'm investing in Eric cuz I really believe in him, but I just think for for Eric is giving too much value. So, that's that's my only thing is that Carrot is is giving so much to the creators who get the credit card. If you want the credit card, I'll give I could get you the credit card. I'm not going to lie, I don't know what Carrot is. You don't have your wallet on you, right? No, it's just right up there. I can grab it. Alex, do you have your credit card with you? Oh, and you can personalize it? Yes, you could personalize it and I don't know if I I can't promise this is going to happen, but Eric so far has like personally delivered these credit cards. Like he shows up and like here's the credit card. I'm like, Eric, you didn't have to do this because he just likes meeting everybody. So, That's beautiful. So, yeah, so I will if you want that credit card, I would get you the credit card. It's worth it. Okay. Okay, so anyways, that that's the company that I have benefits of Carrot? Let's Yeah, so they three percent on three categories that you pick. And I got five percent. I've only received three. Okay, well, I don't know. But yeah, it is it is advertised to to pick the categories. Yeah, so I picked camera equipment, electronics, and auto, which would be gas, oil change, Yeah. I think mine is like five percent cash back. I think mine's five percent cash back dining, four percent cash back electronics, three percent cash back. I forget what I picked up. So, I will definitely be getting Carrot. Yeah. Yeah, it's very good. That is crazy. Yeah. And then they had special cuz here's the thing, right? I took advantage of this. They had these deals where it's like one day only five percent off everything. And they told me this like 48 hours in advance at the end of the year. Mhm. So, I maxed out the card. There was like I think they I I think they gave me a $75,000 limit. I spent $75,000 in one day to get the five percent back. You know you can just put more money into your card. What do you mean? Like So, I only have one credit card. I needed to get another one. But my limit is $12,000. And if I know I'm going to spend more than that, I'll just prepay. So, that it's like negative 3,000. this this is different. This you link to your bank account and every single like on a set day, it'll pull the money automatically from your account. So, you can't just choose to pay early? No. And and plus that wouldn't that wouldn't uh the post on the same day. So, even even if I were to max it out 75K and then pay it off 75K and then max it out again, I don't think all of that would happen in the same day. But I prepaid like property taxes on there. I bought the refrigerator that day. I bought the piano that day. Everything that I was planning to buy, I purchased that day. I expect once I get the Carrot, you need to tell me 48 hours in advance when it's five percent off. you know. They'll send you a didn't just tell you, they told everyone. Yeah. 40 hours in advance. Yeah. Yeah, it was like a Black Friday deal. It was like, "Hey, for this Black Friday everything you purchase is going to be 5% off." So, I was like, "All right, you sure? All right, well I mean, because like paying for your property taxes is a 3% charge for credit cards. No, it's uh it was like 1% something. Then, oh my god. It Yeah, it it would it made sense for me to charge on the card to make money back. That's what I said. And I'm like, but you know what? Maybe it's only temporary. Maybe they're not going to do it anymore. Well, after seeing what you did, they're probably not doing it anymore. beta tester. I need to talk to you about all of my finance questions, I feel like. Ask. Yeah. Yeah. Well, um next question, I guess, would be uh how much more money should I put in the stocks? Cuz right now it's scary. I know what I'm You know what it is? I have diamond hands, but too well, I don't know how to sell stocks. Do you need to sell them? need to sell ever. But didn't you just sell Doge? We don't talk about that. It was it was too great of an opportunity. It would have got cut in half. I've been telling Jack to put it in. It would have got cut in half if I didn't sell. I mean, I have Doge and I was looking at it when it was at 70 cents and I was like, "It's not going to go to a dollar, but I don't know how to sell it right now." You don't know how to sell? It's the same thing as buy. Just like the other crypto. I said. I have diamond hands, but with bad companies. I'll stick with bad companies because I'm at that point I'm like, "Well, I just don't want to So, where are you invested now at your 180? Do you want to know? Yeah, I do. Let me see. Is it all in Robinhood? It is uh it is all in Robinhood. Can you screen record? I can't screen record. Oh my god, I cannot believe I'm showing you guys this. I have a new phone. So, step one, get it off Robinhood. Uh I disagree. You use Robinhood. I like it. I like Robinhood. I downloaded Public and Webull both because of you. You're not even on Webull anymore. Yeah, I am. But you just don't talk about it anymore. Public I I may have invested in Public. Uh Yeah. Another one. Okay, that makes sense. Um I like Public. Uh Public has the advantage of not routing your order flow. So, with which Robinhood does. So, when the whole fallout happened with with GameStop, Public was very vocal that they don't do that. They don't route your order flow. They don't sell your data to hedge funds and let's check this out. I like I like WeBull though. WeBull, in my opinion, has one of the best, most sophisticated interfaces out there for for serious traders. Public is better, in my opinion, for a long-term investment that you're going to Buy once and hold for a long time. I'm going to make Let's see. a really bad, um, like connection. I would say Robinhood is like Apple, where the interface is so simple. Mhm. WeBull's is so difficult to learn. Yeah, WeBull you have to you have to learn how to do that. Yeah. All right, so Tesla. Let's see. So, you bought average cost Wow, congratulations. Average cost of Tesla, $195. Yes, I bought it Okay. Don't sell that. Is there any reason why you have like the little icon next to the stock as the price of the share rather than total return? I just like knowing what the price is. Mhm. Um Shopify, great buy Shopify. Great buy. Great buy at Apple. Fiverr, let's see what you bought Fiverr at. Fantastic. Uh, Beyond, this is the only one I think Beyond, I'm Yeah, okay. So, so you're Beyond Meat is the only one where I would be I mean If you sold it, I wouldn't be upset over that cuz it's just I felt it was a little hypie. Uh, Ulta Beauty, never heard of this. Ulta? Um, one of the biggest like makeup department stores. Okay. Overstock. Great. You did well. Zoom, let's see what what did you buy Zoom at? 306. All right, well, I I keep Zoom. Spotify. 207. Disney, fantastic. I don't even need to need to look at that. Wow, you bought Virgin. $20. Okay, Virgin is like eh. Where are you getting all of your stock advice from? Um nowhere. You're just doing this on your own? Yeah, see I just look into companies that I would naturally use myself, so then I purchase their stocks. You did well. There's nothing in here that's Oh, scroll down. Just scroll. It's Some of them are pretty bad. Delta. Um Aurora Cannabis. So bad. Lemonade. You bought Lemonade. Yeah, that's a hypey one. Lemonade, I think would recover. have Lemonade insurance, so that's why I bought it. Snap has done really well. Average cost is 23. Um PayPal. I like it so far. Ooh, McDonald's. A lot of these are the free stocks that I got, so if you see like a bunch of random stocks at the very end, it's just I don't see anything in here. Gap. I don't see anything in here that's like, "Oh, wow, I can't believe you have that." Yeah, I don't see anything in here that's bad. I like it, actually. I would I would say you did really well on this. My only advice would be to just start buying index funds. look like real quick? my crypto? Yeah. Oh, wow, you have a lot. I You know what? I bought every single one that was available on Robinhood because I was like, "Mhm, might as well." Just might as well. Nice. 6 cent average cost on Dogecoin. Wow. And you had How much Dogecoin do you have? 20 30,000. Ethereum. So, should I sell my Doge? At this point, I would At this point, I would just hold it. Just hold it? Yeah. How much are you spending or saving every year on your taxes by living here? Probably 4 to 500,000 dollars. Just to live here. See, that that's why like everything here is, in my opinion, free. Even the car. That would have been 30 something thousand dollars of sales tax to pay for the car That's a small Tesla. Nothing. No sales tax here. There's no sales tax here? used private car a party car purchases, no sales tax. What? got to be private party and used. If you buy this from a dealership, they're going to they're going to charge you like seven something percent. Private party, nothing. Hmm, that's interesting. That's crazy. Yeah. Do you have a really good accountant? Uh she's good, but I think my taxes now have gotten to a point where this year I'm probably going to need like a like a A team. know. A team, probably. Yeah, it's just now things are getting so nuanced that um she's been really good up until this point where I feel like Did she up? No, it's just I I think I need of money you could be leaving on the table Yeah, I think I need something a little bit more sophisticated at this point. Okay. It's just everything is so nuanced that that even for me, I'm trying to research stuff like this that I have no idea what I'm doing now. Now it's now it's it's in a league that I'm just I don't know how to navigate it. I can't believe you're saving or saving five hundred thousand dollars. Right, that's what I'm saying, but for you, too, you would be saving uh 60? Probably, yeah. 60 thousand dollars. Maybe even we'll call it 50. We'll call it 50. 50 thousand dollars that you could save. And real estate is half the price, twice the size, everything. this house cost yet? Yes. Uh one I paid 1440. What? Yeah, and then I put a hundred and fifteen thousand in the backyard with the pool. So I'm in at 1560. 1 Uh and it's worth right now about 1750. That's crazy. That's impressive. Right, but this in Los Angeles would be like three. Mhm. Yeah. And it's in a gated community, which is nuts. It was a really nice gate. Yeah. Yeah. I wasn't expecting that. No, and what's crazy, too, is that it's it We're in an HOA, obviously, Mhm. but we're in an HOA within another HOA. So So, this area is an HOA like in itself. And then this community is another HOA. How much is your HOA a month? Uh this one is 220, the other one is 110, I think. So, I think the total is like 330 a month. Wow. Yeah. So, with that said, you guys, thank you so much for watching. I really appreciate it. Thank you so much for coming on. Uh we'll link to all of our information down below in the description, including your channel. Thank you. Make sure, by the way, to get your free stock worth all the way up to $50 on Public because it's pretty much like free money. And even better, guess what? When you deposit $100 on the platform, three people are going to get a chance to win a completely free stock of Tesla. Three people. How many people? Three. Three times the number as before. And surprise I mean, I can't give out exactly how many people took uh took me up on the last offer. You had a pretty good shot at getting a free stock of Tesla. I think people are under the assumption that you know, everyone's going to be doing it. Uh I was shocked. I was shocked at the true number of people who did this. So, based on the last one, it was it was better odds than I would expect. That's all I could say. So, and now three people are getting it. So, deposit $100 on Public, enjoy, get your free stock. Thank you so much for watching, and until next time. Welcome back to this 55th We're going to have to do this again.