Dropping Out Of College | Ep. 12

welcome to the 12th ever episode of the iced coffee hour hope you're having a good sunday how you doing doing great hold on let's do this uh asmr style ready even is wait hold on you want to go first we'll go at the same time ready one two wow ah you spilt right there oops there we go i was told that i needed to hydrate more so i have some extra drinks just in case oh good i'm glad my first time trying this this watermelon lacroix what do you think about it because every single time the podcast starts i offer you a look right you always say no what is it like coffee but this one we're filming late it's like 8 30 p.m i'm not gonna have coffee this late uh because then i'm gonna be up all night i don't want to be up all night what do you think about it it's good i actually prefer i don't really but what oh come on i'm sorry okay okay okay you know what happened we picked up audio here okay we'll just cut back in yeah give him a heads up we'll put this in the beginning audio cuts out for like 30 seconds and then it'll come back and it's funny though anyway welcome 12th ever episode you like the lacroix it's good okay yeah cool we're professionals we have made how much graham how much have we made on the planet i'm gonna guess like 17.50 now over two thousand dollars no was it really over here two grand wow two thousand and eighteen dollars and fifty cents on the podcast that's good that means the last few days has been like 30 bucks yeah our average is going up i'll throw up a screenshot of our analytics our average is going up for yeah i wonder what it would be after like the hundredth episode so we would be two years into uh podcasting i don't know if it goes up like incrementally like like it's it's ten times more when we have a hundred videos versus 10 maybe maybe i feel like podcasts are great because a lot of people would go back in time and re-list or listen for the first time to the really old episodes at least that's what i do with the podcast i like like with with different kind of content i don't really go back because it's kind of outdated but podcasts as long as they're not like i don't know as long as i'm not talking about news like i like to go back and listen to i guess yeah i guess so you know what we can we can almost see on our analytics and just check if how much views so i bet it's mostly the recent video that's getting uh the dax flame video let's see what's that the dax plan is it's not that high no it's not oh no no yeah it was a seven it's not good no that's not good that's you know what it is let's see right now it's the uh graham makes the riskiest investment live on the podcast and uh how to make 80 000 a month those are the ones that are doing well we have two episodes over 50 000 views that's awesome look at that the average every time goes up a little bit so thank you guys thanks guys sitting through the ads thanks for hitting the like button we got a good episode for you planned today also starting this coming week every wednesday guess what graham highlights oh yeah no way you're gonna do highlights wow so highlights are gonna be posted on this channel how you how do you do that do you like do you just take the best parts of every episode and you just are you gonna do like five to ten minute clips or how's it gonna work just ten minutes okay yeah okay what are you gonna title that just i guess the topic of whatever you're saying uh highlights for this week and then maybe like a line and then the what maybe the most exciting thing of the episode was pick the most exciting thing in the episode just title it that how's that yeah no cool so that's something to look out for maybe not for you guys if you're already watching but i don't know maybe we tap into a new audience that's what i'm hoping yeah that's what i'm hoping the impatient people something that's been unfolding between graham and i and you know i'm sure you guys are all well aware as a viewer is my whole thing with college you've gotten into it yeah we've gotten into it and believe it or not we have made the decision wait wait you should here's the thing i've made the decision yeah you would have to return to school and then this podcast would really be no more i'm doing it for you guys yeah so you better hit the like button you want to you want to tell them what you did yeah i i dropped out of college dropped out we got him join join us so this was very very well thought out it was not obviously something that a decision that i made just like this i i thought it through i talked to everybody i needed to talk to i got every opinion i could get and i honestly never never would have thought that it was good never ever like literally even like a month and a half ago yeah no way i agree i can confirm that because i've been trying to be like you take a year off and i would just laugh graham would bring it up to me and i'd be like oh yeah yeah i would just blow it off sure man but it's all very calculated and i just want to say for those of you who are in college or plan to go to college i still completely stand with what i would what i would previously say and what i you know obviously i still say this now i think college is a really good idea i graham and i are different here okay i think it's a really really good idea for a decent amount of people for some people it just doesn't make sense for example i did the costs the cost of me going to college and then possibly losing ties or all the momentum i've been building with graham and i did the cost of staying with graham and losing that safety net of having a college degree i did all of the costs i i analyzed it i talked to my parents i talked to everybody i could and it really makes the most sense to work with graham money talks it was expensive it was not it was not cheap to get it was a hefty negotiation because it goes both ways like yeah this was this was a price that i it took me like i talked to so many people there were like six people that i talked to i went back and and i really tried my best not to make impulsive decisions either so what i would do is i'd be like okay i need like a few days to think this through i'm gonna come back to you with the number i came back to you with a number you had a few days you got back to me and then i think we went back once more like the whole process took like a week and a half we shot offers back and forth a lot of times and just the negotiation part that took probably a week maybe longer than a week i knew we were gonna get to terms on something like i knew already we were going to figure something out i just didn't know what it was and yeah i know i did a lot of a lot of uh cost and now cost analysis on this and uh i think it makes sense yeah so you're gonna get high quality content yeah midweek highlights overall we're going to work really hard as hard as we can to give you guys the best stuff we can give yeah do you uh yeah and uh i'm i'm excited i'm excited i'm super excited too i i think good stuff is in our future it's going to be good yeah and this is uh i want to say the first to me now we're going to get into the next next year you're going to be like well now i want to go back to college that's going to be your negotiation tactic every year we'll look back at this every year you'll dangle that little thing college college by like the tenth year i'll be like it's not working this year yeah but i i still be retired after the tenth year like i never would have thought that i i'm still baffled that i i made that decision so too late now yeah it is i i withdrew from classes i cancelled my quarter and fortunately obviously oh now i can renegotiate we haven't been we haven't signed into a contract yeah but but yeah i know yeah really like what i can do i'm i will always be a student at ucsb i talked to the people at the registrar yeah uh the admissions and stuff and they said i could come back whenever i would like so i didn't lose admission to the college i'd like to go to and what's that can you come back like five years from now or winston yeah really yeah are they making exceptions now because of what's going on i think so but i i really think that you can leave and come back as long as you weren't dismissed for like academic reasons you know why why they want your money that's probably why yeah it's not even about having good students like you were good enough once you're probably good enough like seven years later yeah if you paid the first time you're gonna pay again and what they know is that the prices are gonna go up yeah so if you take two years off they know that third year they're charging 15 more so they make they make money they do yeah it's just it's crazy guys don't drop out don't follow in my footsteps i i had a very very rare opportunity and i decided to to take full advantage of it we're excited leave me as much hate as you'd like in the comments no one's gonna leave you hate everyone's gonna be excited you're gonna make make money making money this year yeah that's the plan and next year so let's hear it next year that's the news everybody that's the t that's our clickbait right there that's that's the title of the video today but we got some other exciting stuff planned the algorithms they're back in our favor on this channel it's funny the algorithms are never good on both channels at the same time on oh wait not on this channel the second channel second channel we had well we had a one we had a two that turned into a three yeah we've had like you know the grant video was like a two or a three we've just had banger after banger yeah it's been amazing that's that's what it gets you used to that certain tier of views and then you do some growth and then after a month it slows down and you're so sad it slows down you wonder what is going wrong and uh so right now it's in our favor the main channel it's slowed down a little bit so we gotta we gotta boost up that main channel now it's crazy how it just go it's just yeah like that yeah can we say that we had a record month with the revenue of the second channel yeah go for it we had a record month yeah with the revenue so previously our record was what like it was 30. um like 33 something like that i think it was so we had the record april and no no may june and july were all just crazy yeah previously the record was like what 20 28 27 grand 27 28 and then we had like 30 then like a 34 and then 38 yeah was last month yeah which is just insane we had good views last month oh yeah um yeah a lot of that was just a few videos that just did way better than normal the pokeman video the pokemon i mean that one did like seven yeah that was a that was a crazy that one i didn't expect i honestly i didn't uh i i didn't i held off from reacting to that video for a very long time because i'll get around to it i didn't expect that at all but i mean i don't even think we've discussed this on the podcast but because of that video we met up with her i'm sure you guys have all seen but we met up with her and did a video for the main channel yeah confronting pokemon yeah yeah that was great that was a spin-off of the uh anytime i would react to a millennial money i would try to have them on the channel and then confront them and it would be like confronting so and so for millennial money so now we confronted pokeman yeah really smart really smart person yeah but that was a really actually one thing i realized is that's a fun kind of episode to film it's different and i know it's difficult for you because you edited yeah so much yeah that was a nightmare to do i mean just the amount of stress going into it just i didn't want to mess it up the editing was intense that was my monday so like no that was my wednesday video right that was wednesday a wednesday video it was a wednesday video so they had to meet up with the amount of planning beforehand was intense we thought through everything did that day on that sunday i edited all day on monday to have that video ready and posted by wednesday probably over 20 hours of grams so easy went into that easily and guess what what happened to the video when we posted the number one which means no no no no oh four oh wow so get this so so i spent like 20 hours maybe no a little bit less than that editing the video a whole day basically filming the video for the most part and we probably spent i don't know six seven hours between both of us planning out the video it was a night it was a nine hour day yeah at filming at pokemon yeah so ramsay stop it okay so anyway we post the video and it's all good to go and within like i don't know 15 minutes the video gets demonetized it was horrible absolutely horrible and the reason it gets demonetized is not because like we violated it there was a little like four second clip a sound clip about 18 minutes into the video that i used from pokemane's video so this was not audio i put in i was referencing her video in the background had a little audio clip in it that got flagged and i remember you felt physically sick oh yeah i wanted this physically sick he was sitting here just looking at his computer and he looked so upset and i felt really really bad because i know you spent so much time working on that video yeah it was terrible and and here's the thing when videos like that get demonetized what ends up happening is that you see your views their views went okay but then all of a sudden starts going down like dying out a lot youtube's not gonna push your video if they can't make money on it and if there's no if it's technically the way it works is that ads can be shown but the other person gets the ad revenue but i don't know exactly how that works because that other person might not have the same ad rates as me so i don't know anyway usually when that happens my experience has been just the video dies down and here i am like 30 something hours into a video that i put so much time into and it just the views are terrible and and i yeah i i didn't know what to do so took deleted the video which i never delete videos but i had to delete the video take out that little audio clip re-upload it and you can't just re-upload the same video by the way because no one clicks on it because they're like oh i already watched this video the same thing so you have to re-title it and re-thumbnail it so here we are we spent so long in this title and a thumbnail that we have to redo from scratch last minute and people are expecting this video to come up thankfully we nailed it yeah thankfully that worked out in our favor and that couldn't have gone better yeah so there you guys go aspiring youtubers it's not easy even for the man yeah even the stress now thinking about like it really left me just like yeah and that day you like after that you run you weren't cloud nine after after we got it uploaded and it was like out of two or whatever you were on you were so oh yeah because she tweeted it out afterwards and did like an it did she do an instagram something yeah i think she did an instagram swipe up or whatever yeah so both of those like it was at a two and then she did that like you sort it to a one youtube push the video a little bit didn't have a lot of longevity unfortunately i'll check that but either way i'm really happy with with how that turned out that was stressful 5100 views last 48 hours as long as it maybe just gets 2500 views a day i'd be happy with that yep good times oh follow our instagrams follow follow my instagram follow you guys are already all probably following graham follow her instagrams sh we should have a joint instagram gram and jack jack jack and graham i haven't handled iced coffee you know what i always like my name in front like gram and jack this one sounds better jack and cram i don't know why yeah you think so or not i thought graeme and jackson and jack let us know down below in the comments jack and graham graham and jack let us know down below in the comments and we're gonna date it from our first ever time going out and getting these burgers yeah we just post every time we're together we'll just we'll just post stuff oh ramsay ramsay's doing the thing if you guys were wondering if we had to guess this podcast we do there we go we got ramsay ramsay the kitty hey there he is he's always gonna make a guest appearance here there he is also you guys are real investigators you you have found my jubilee video they did they they found it wow they did they found it okay how do you know because people were commenting oh wow yeah so people found it and then i went to the jubilee video and i saw comments that were like this jack from the ice con yeah wow you have all found it and i would just ramsey ramsey she's trying to get out of that ramsay stop it wow that i can't believe people have uh found how there's so many jubilee videos how would they like find that video no idea wow but for those of you who who are curious uh i i think my my stances have changed a little bit i wouldn't say that they flip-flop but i think that i've grown and like are you proud of the things that you said in your in your videos your jubilee videos or would you retract any statements that you've made no you wouldn't retract any see i'm not the same way yeah which is difficult for me because they obviously i would never ask them to change it because as a you know a partial creator like i understand the feeling of when someone would ask to like you know remove content or change content but it's it's odd because there is some like not really regrettable but stuff that i maybe was like ill-informed or something that i said i mean i prefer not to bring it up because it's like you know what i mean yeah so if you guys find it enjoy yeah and if not then hit the like button the twitter hacker that we were also talking about a while ago we brought that up a few podcasts ago they found him 17. 17 years old yeah genius kid crazy yeah and he only got 121 000 in bitcoin i feel like what i would have done if i was 17 is i would have had some sort of message because i would want a job just like i would say something like this account was hacked reach out to me for a job like i want a job something like that because i think there's no harm there he's not stealing anything technically it's illegal but yeah they gotta hire this guy like anybody to hire this this kid after that yeah i mean it was incredible what he did unless he had an in with someone at twitter which was the guest and they were providing him account info and then like really what he did was illegal if he went in and like had someone in there no i think he was a part of a hacker group wow yeah and he was 17 which is just unbelievable why would he did he he must have expected it to be up longer than it actually was yeah maybe yeah he didn't only take bitcoin from people that sent him bitcoin background just really quickly there was a guy that hacked twitter and then sent he made famous people send a message that said like send me this amount of money i'll send you twice that amount of money back in bitcoin or whatever and he got 121 thousand dollars and he made like steve jobs do elon musk a bunch of famous people um but yeah i mean just it seems like a waste a real waste of talent oh i agree i was i was hearing jokes that like the federal government would want to hire this guy on to like be like a internal hacker or whatever yeah it's like the the movie catch me if you can where he he forges checks and then they catch him he goes to jail but then he then works for the fbi later for like you know fraudulent checks and uh it seems like something like that would happen but yeah no i just it seems like a lot too much work to go through to save up or to make 120 grand that this does he get to keep he couldn't keep the money bail was set i think around 121 grand and i'm sure he does not get to keep the money but he also he also stole some handles so what he did was he took like a handle like vampire just like random handles that are probably worth some amount of money right that would probably be a better crime to take some handles that nobody uses really and just get it like you have to handle peter yeah john like some of these things find somebody who hasn't posted in years right instagram has that uh they have it where allegedly uh if someone has not used an account for like many years and you want to take their domain name there's ways that you could do that you got to pay some money to do that but it's possible yeah so i don't know why why you wouldn't just do that because he could probably make 200 300 grand like no one would know yeah and and people would think like oh maybe i just forgot my password to at john you know i don't know maybe yeah that's what i that's what i would have done so graham options trading okay i know this is not one of your favorite topics sure i'm six for six what's your total return now over four and a half percent you made four and a half percent on six trades yeah that doesn't seem like a lot here's the thing it's because when you view options trading you see it as a super risky investment right those are the people that are getting like 30 40 percent for over four and a half percent in about a month is pretty good yeah but that's what the s p 500 has done this last month they've gone up about maybe more than that is it yeah so let's say if you just invest in the s p 500 we go back one month it was 31.45 a month ago and now it's 33.50 31.45 oh yeah all right yeah you would be up about six and a half percent had you just invested once in the s p and left it regardless six out of six is not bad okay and i think i can continue on this road i've made like 140 profit so far locked in i went from three thousand to three thousand one hundred forty i lost thirty five dollars in dogecoin but i am i'm i'm in the green and i'm going to continue in the green until i'm 20 for 20. good and then we'll have a different talk okay deal okay 20 for 20. what what did i say again i forgot you didn't say anything you just said you'll finally be impressed yeah i'm not in print i'm not you have a 20 for 20 you'll be like how much profit you make seven percent i'm an inexperienced trader yeah like i'm i'm new to this right so being inexperienced six for six i think is pretty impressive not to toot my own horn yeah but like all right let's see 20 for 20. all right keep doing it uh on on a new subject graham you're now a tick talker yeah i am and a successful one at that i don't know successful you have over 20 000 followers 20 i'm 24 right now it's been growing by like a few thousand a day graham is going to be the next big tick tocker watch out hype house graham's moving in one thing that really surprised me in the news is jobless claims for this past month were the lowest that they've been since the beginning of like the whole like unemployment people are getting back to work like early april yeah or whatever yeah early april the lowest they've ever been so 1.2 million claims about a little under they've leveled off it's it's always been above a million yeah it's it's leveling off but still it's at the lowest it's ever been they were expecting 1.4 and i'm just wondering if this is actually gonna like how much you know the damage that we've done to the market is going to affect the future market it seems like we're still doing fine right and i i i can imagine that we continue going in this direction but i'm just wondering because intuitively it just seems like we're gonna there's no way we're not headed towards a crash or something a million people is still a lot it's a lot of people that still continue to be claiming unemployment um who knows who knows i have a feeling they're going to continue the unemployment benefit a little bit longer they might already come out by now by the time this video comes out but i have a feeling they'll continue that to some degree probably it'll be four or 450 a month that'll hold us over to the end of the year it's really it's just this waiting game right now for a vaccine or something that might be moderately effective that's really all this is at this point because even if they come out with something that's 50 effective essentially half of the population could get back to work and not have to worry about it and for hospitals too i mean that would allow the people who do get it to uh get the care they need i'm just scared for the future at some point you tell me that i should have more invested than i currently do but i just i'm just so scared because i am i just can't ah you're young it doesn't matter like when you're 60 you're not going to be the oh i should have invested a 25 instead you would no no one's going to fake that i'll do it yeah i'll do it all right just do it as soon as you invest let me know so i could sell because the market is going to tank yeah i don't okay yeah and you'll be like i should have done options trading instead yeah i probably should have one thing that i found really interesting that you and i were talking about earlier today on our run which we've been doing later yeah it's good being nice and healthy yeah you were talking about your first ever rental property that you got and you got that at 21 years old right yep which i mean it's like i'm 21 right now i can't picture myself buying a rental property you probably were in a better financial position than i was but but still i mean how how much was the house that you bought 59 59 500 i think a public record it shows 60 500 and i was able to get i feel bad now but i was able to get a credit back outside of escrow for a thousand dollars and did you get a better deal because you were an agent probably within the no i actually had an agent that was representing me who quit because it was a difficult client wow dead yeah absolutely dead serious on that um yeah so she represented me i was writing all these offers and i figured it was better to do it through her because i didn't really care about the commission anyway and i wanted someone to help me like get to know the area i should reach out to her actually she'd find her and give her money what ended up happening was that she just was not on top of it like i was used to this level of customer service where like i wanted to write offers on properties and she would be okay you know i'm gonna be out tonight and i'll get back late and then i'll do it tomorrow and i'm thinking like no no the place just came on the mark like we gotta get the offer now like today uh oh no i'll do it and then and then apparently me pushing like why can't you just do it when you get home tonight like i'll be up send it to me at 10 11 o'clock and uh that stressed her out she was an older agent and i don't think she was used to that like like beverly hills is one of those industries where everyone is on it like you call the agent and like if they're in the middle of dinner they'll set up a showing for like that that's what i was used to i was hard on her and there were just just so many things with with writing offers with negotiating deals that she just didn't want to do and even when it came to um asking for for certain credits during inspection her telling me no i'm like why don't we just write it up and ask no please do it and then we would do it and i'd end up getting something but um i forget what happened exactly but i just she quit she quit on me and she said that she couldn't represent me anymore and she just let me represent myself and i think at the time i mean i i had no money i mean no money when i bought these properties like i was out of cash so like every little scent mattered to me but uh i was aggravated with her because i felt like i could have gotten deals quicker or i could have negotiated a little bit harder if it wasn't for her so she quit i represented myself should find her but it was it was a sixty thousand dollar property yeah and so you only needed how much down what price i bought it cash oh wow so you paid sixty thousand dollars that's really good and and you were immediately it was immediately a good investment yeah oh yeah i rented it out right afterwards well not right like a month afterwards i think i got it was either 1150 1200 or 12.50 i don't know this was back in this would have been like early 2012. early to like january february 2012. somewhere around there so you bought it a good time yes it was immediately a good investment you bought it under market value right you fixed it up a little bit yeah i spent 12 000 fixing it up got it under contract in like 2011. so this was like took a while for this deal to go through and what gave you the idea of investing in real estate uh clients were doing it that that area of san bernardino i had a wealthy dude in beverly hills who was buying up everything left and right just didn't care sight on scene wouldn't even go out there to see it just had a team of people and all he would do is just just write off or write off right off right off or just anything that comes up write an offer and so after a while and seeing like wow he's making some good money from this i had all this money saved up and i wasn't sure where to invest it and i figured this is a good option for me so i started going out there and i would go spend every weekend with uh with a buddy june what's up i don't know if june's watching this but uh june's watching this so we used to go out him and i and go like look at places every single uh weekend we drive up spend like a day there see like 15 14 places come back get to know the market and uh it just determined it was a really good investment out there did june buy property he did yeah he bought a problem yeah and um and then the other guy who i was working with the time his name was uh vigili bought a property up there too yeah so yeah and then energy is good yeah and you immediately i mean you were stoked with your investment yeah and then how long did it take for you to get your next rental so i got three up there around the same time so i used all the cash i had i sold the lotus elise that i had at the time because i needed cash and uh got three up there and then it wasn't then i had to save another few years to get the next one the next one was like 2 000 gosh 15 i think so this is 2012 13. so three it took me three years then after that to go and save up for another property and what do you think has been the average roi on your real estate i don't even know i don't know um good like what 15. wait including appreciation uh oh god i i don't know like like the first few places have gone and have like 5xed in value yeah okay so those have all gone up the next place i'm i was in it eight twenty to eight i don't know i don't know these numbers i was i i was in the the fourth place sorry there's so many of them i was in the fourth place like 8 20. now it's worth about one three the next spot i bought for 585 fixed it up i don't know maybe i'm in it now like a hundred so i'm in it like 6.85 no more than that maybe i'm in at 7 20 and uh it's worth about a million next spot i bought for 8.15 it's probably also worth about a million and uh is there anything else in this place then this place which it's probably worth about my guess about five percent more than what i what i'm in it about five percent but i closed on this place earlier this year so really a lot of that is just the hype right now around right everything going on i just want to get invested in real estate so badly i'm an eager young teen 21 yeah and i want to get in real estate but i can't so expensive here you you would need to save up have like 150 grand yeah saved up if you want to buy real estate around here you could do that two years two years of saving after taxes would do that to you really two years of saving after tax that's my plan i want to buy my first rental 23 or younger that's that's my goal you could do it i mean right not right now i mean you could buy a rental you could go to like you know some of these states where you could buy rentals for like 80 grand yeah it depends where you want to buy while perusing the internet i i once again found something powerful money questions i i heard that people liked that segment from from a few episodes ago so i've came up with a few more money questions to ask we can answer so is my money being spent on the things that truly matter to me that's for you yes such as this this table it's a table no this is a bad decision um honestly this money's just really mattered to me yeah i mean i don't spend money though like we you and i got chipotle the other day macy and i got cheesecake factory what else do i need i don't i don't think that you're really satisfied by material things being bagged the aquarium i'm still putting that off because i don't i don't know maybe maybe at some point if if i uh if i end up moving out of state at some point i don't want this crazy aquarium here that i can't take care of every few days what is your plan with your children and your money how many kids are you planning on on having one to two one to two and what's your plan with him with money i mean ideally i'd wanna give them most of it but i i think i would also donate a portion to charity it depends how much i have like if it's like a billion dollars obviously i wouldn't leave anyone a billion dollars if it's like 20 million i think that would be more manageable uh you set it up in a trust and you just you let them spend whatever the interest is but ideally like in a dream growing up kids what kids growing up oh i'd want them to work i really want them to put them to work and teach them the value of money that's what i think i mean i have no idea i'll probably wing it but i would want them to get jobs and uh you know chores probably just do stuff i kind of always i i like the idea of telling my kid to get a job because hopefully if i'm if i'm wealthy enough you know like my kids they see like i think it puts you a little bit at a disadvantage if if you grow up in a household that you can tell is it's a nice house you know like maybe you have like a four-room house like three bathrooms it's like a bigger house you can tell from your friends that you're a little bit wealthier i think that that probably makes you think less of the dollar yeah having like having more to choose from and stuff just just naturally you have a higher standard yes of living oh yeah i think something that could that could help out with that what i would do is is i would tell my kid to get a job say the job is paying ten dollars an hour i would give them five extra dollars per per ten dollars they made off that job okay so they would get a little bit more you know that's in the in the event that i do have enough money to do something like that i would give them a little bit more reason you know what i mean yeah and then what's gonna happen when they're out of college like but dad i got five hundred thousand dollars out of school with your friends you need to match it no you're right yeah dad yeah i don't know i i think just get a job work i think that teaches them the value of money very quickly yeah it's something i think about a lot i don't think there's one set solution no but definitely a complicated situation we're moving on to a new segment are you excited yes i am it's called what's in your wallet i don't have my wallet on my oh it's right there i just thought of this like a couple minutes ago do you want to do it sure oh okay so i got uh three credit cards right there i got the jp morgan reserve i got the amex platinum and i got the amex gold business got my driver's license i got the chase sapphire reserve here and then behind it i have my priority pass card for the no traveling i'm doing right now behind my driver's license i have my aaa card this might actually have expired geez i can't i can't even pull it out do you want some help with that no no it's just the leather sticks to it yeah it expired a year ago look at that i'm gonna keep it in there just in case the number's still good though just in case and then what do i have on the inside actually a lot of stuff on the inside okay so i have that's where it went i was looking for this this is uh free parking anywhere in vegas at those hotels it's the m life platinum wow yeah oh wow i was looking everywhere for this and i couldn't find it it doesn't have your name on it no it doesn't it's it's it's a friends who gambles a lot and he was he gave me this card so i just get free oh free valet too and uh wow uh certain vegas casinos so there we go uh i got a habit burger gift card uh picture of me and macy here tesla card hsbc uh debit card oh wait make sure that people i got an hsbc debit card here this is a free debit card withdrawals so what they do is that for what is this the hsbc premiere they reimburse you for any debit card fees or like uh sorry uh what do you call it cash withdrawals atm oh sorry uh so i use this card for atm withdrawals if i need to because they reimburse you for the hsbc premiere for like anything so even if it's like eight bucks it doesn't matter you take out the money it's fine citibank city gold city gold debit card when's the last time you use that i never use it they they give it to you when you when you have an account uh oh and then i that's too bad i have those the beers free chick-fil-a meals and then a dollar and that's uh that's my wallet right there you have one dollar in it yeah i have one dollar when's the last time you paid in cash uh casinos so like that's the only thing i'll put like a dollar in the uh so let's put a dollar in the uh like the slot machine or whatever huh it's so interesting to look at money now because it just like you don't this this is going to be a thing in the past at some point yeah people are going to look at this be like wow dogecoin it's interesting because really you don't really have money like this anymore not really save your money people yeah someday it'll be worth something one day all right what's in my wallet first off i have my chase debit card my expired chase debit card venmo venmo card nice pretty exciting they send you a like a free card and you can get like a cool color that's the reason why i have it that's literally it um auto insurance chiropractic appointment reminder nice a loyalty stamp card for bootables okay [Music] um dude i got a lot of stuff in here license and life there we go i got an m life dude i had another one of those chick-fil-a oh you did i thought i used them all oh this is a good one too because this one will give you a sandwich fries and a drink try using it again no i've tried really yeah i have expired ones still that aren't the good ones like the breakfast sandwich and stuff like that and they turn them down whoa i didn't even know i had a chipotle card in there wow that's pretty exciting guess how much money i have graham probably 20 bucks 20 40 45 50. 54 i remember when i used to keep cash like that in a in a wallet and 54 bucks is a lot of money i remember thinking like wow like i got like 320s in there that's that's i don't know why i have 54. oh yeah here's a fun story graham and i were cleaning out his old duplex and remember there was there was a woman that like sent money to you on accident oh yeah so there was a woman and she sent money to graham when she actually meant to send it to like a family member it came to my address and it came to his and she because she wrote down the wrong address and graham was like oh i'm going to send it back to her so he left it in the envelope and he forgot about it yeah and then like three years later when we're cleaning out his duplex i find it deep way back in the the end of a drawing like graham what is this it was like it was like three hundred dollars it was a lot of money that she was being sent from like a family member for graduation or something like that yeah and and i i found i was like what is this doing here you're just like oh wow like i forgot about that you know i accidentally received this money so i made it a mission to find this girl and i did facebook i did instagram i looked everywhere and i found her that's true i found her and i then mowed her 300 and i kept the cash that's why i have all the cash and then i i just pay my gas okay cash and i'm you know it's dwindling down wow i forgot about that yeah you're right yeah you found her yeah she's got to be so appreciative of that she was weirded out because i i mean first off i had to verify that i had the right person i was like who was it sent by and she was like my uncle was like the first letter is r what is the full name and she likes i mean like we had to go through the process i want to send the wrong person but yeah she was she was weirded out she was stoked yeah cool you just van motor like 300 bucks wow payday what if it was the wrong person they just got lucky well you know it happens cool chase freedom unlimited oh rip dude all right ow rest in peace nice my ucsb card call and that's about it cool exciting stuff that is good stuff what's in my wallet we'll do this every week i'm watching my wallet this is going to change very much it's the same thing that's what's in my wallet cool is there i mean is there anything else that you wanted i think that's i think that's it i gotta edit now yeah i'm gonna edit my tomorrow video yeah all right cool so with that said you guys thank you so much for watching i really appreciate it make sure to subscribe like add us on instagram hit the notification bell get your two free stocks down below in the description with weeble what else do we need to tell them subscribe to the second channel subscribe to grandma graham's main channel the mentorship group is down below in the description join the mentorship group and you can talk to us one on one well in a group one kind of kind of one-on-one yeah cool guys thanks guys for watching and until till next time