Everything You’ve Been Taught About Money Is WRONG! | Caleb Hammer

I can declare bankruptcy if I need to I'm $1,000 away doesn't even matter we're already there a lot of YouTubers they get their $10 million house they'll get their Ferraris and fancy clothes and all this stuff and then at the end of the day they end up with not that much and that's happened to a lot of YouTubers they're so close to just falling off the deep end they're just like I don't even care anymore but I try to let them know just how truly bad it is what would you say is the number one thing that's keeping people poor what the is this why is this here Caleb thank you so much for having us in your new studio this place is amazing thank youp first we have to get to the drama okay we're racing you to a million subscribers and this has been the most tumultuous race of our entire lives doesn't even know he's racing no we've been up by tens of thousands you've been up by tens of thousands and now we're behind by a thousand subscribers only a, 1,00 to be precise you are 1,200 subscribers ahead of us I've been checking every single day your stats against ours and I've calculated when our break even is is going to be at our current trajectory in a few days but our algorithm is slowed down so I think you might have a bit of a lead here so you guys watching racing Caleb we need to beat Caleb so if you want to subscribe here make sure to subscri also it's uh it's my birthday next month my birthday next month my birthday was a couple months ago tell them to subscribe that's my birthday is coming up soon too subscribe for my birthday I'm a Valentine's baby okay that's special now after you guys subscribe there's one other thing I have to bring up okay Graham is unreal what happened today it was unbelievable I was everyone's getting all hyped because I'm going to I'm going to Spill the tea spill the drama we get off this plane we woke up at like 5: a.m. very tired I got a bum leg okay I had an incident on a basketball court you guys can see the image right here I'm hobbling I'm barely walking Graham calls an Uber sends us to a parking lot miles away he missed I was so confused first Jack I asked Jack to get the Uber he always gets the Uber and I was like ja just get the Uber he's like no it's your turn to get the Uber so I did yeah sent us to a parking lot miles away so weird yes it was weird I saw the address I'm like there's no way your office is here it was like off of a freeway it like an overpass he was like all right you're here and we get there and I'm like looking there's no way this is it so I check your text and I see that we're five miles away we're stranded in this parking lot in the middle of nowhere Graham calls us Uber okay we finally get into the next Uber my leg is starting to go really bother me but that's okay um I Soldier it through we get into the car drive to another parking lot miles away he mixed up the numbers again it's the the right Str and he mixed the second time I thought it was the Uber and like made a mistake like the dude must have gotten this wrong but I looked at your address and then I typed it in but I went back and forth between them and somehow in my mind I read the addresses as the same even though they were not you know we could have been filming under a freeway though maybe I'm doing this on the cheap yeah saving the money I think it's honestly I was on like 4 hours of sleep last night and for whatever reason that kind of screwed with my mind so now I'm like double fisting two coffees here this is the consequence of Me no longer filming in my house it's having to find an office space but we've also had like six guests come here now and only one has never been able to find it and it's you guys you guys getting dropped off here we got dropped off on the wrong side and we had to walk around to get here it's very confusing this guy anyways Caleb thanks so much for coming back on the show the first episode everybody loved it and they all wanted another one and we have some tea and some drama that we got to bring up at some point during this episode I don't even know what it is the first big piece is you interviewed boie and that was something completely unexpected the interview came out for those unaware Boogie is one of like the OG YouTubers he's been doing this for like 15 years has millions of subscribers and he's broke and so when this documentary came out on his life style people were very much criticizing his lifestyle and they said he he had narcissism and personality disorders but you went at it from the perspective of his personal finances what was what was it like meeting him he's interesting behind the scenes well wasn't even expected to talk about him like do I want to just like out his entire existence no probably not but I mean okay A little why I heard he was talking trash after the episode he was talking trash after the episode but the dude is just so nice and gentle impr person and you can tell unlike you guys who you're the same as you are off camera I think I'm the same off camera as I am on camera he's not he like he kind of puts on a show which I think is why a lot of people find him to be a little more fake which isn't surprising why an audience would fall off like that if like the person you're not watching is genuine on YouTube YouTube is supposed to be the place where you're literally just seeing the person you know so he was very nice very happy but then you know after after we recorded the episode and everything he went he trash talked on his own podcast it's so funny cuz I did this Caleb Hammer episode but number one that guy was such a dumb he thought that I actually bought a Tesla anybody with a brain knows they didn't buy a Tesla he's like trying to find something to nail me on he's like going through my bank account and the only thing he can find in nail me on is like eating out look at me do I look like somebody who's saving money on food he trash talk on Twitter and then a couple times on Twitter he was like oh this is for the drama and this is for that it was very confusing to follow and like me and my team we were just like sitting back watching him just do his own thing and just confused as to why so what did he say about you I think he said I was a dick which fair enough it's fair I can be a little bit of a dick true yeah Fair though I was actually pretty gentle to him because one thing he's really good at yeah he's very good at the manipul uh manipulation around therapy talk what is therapy talk therapy talk in terms of just bouncing around subjects and making everyone feel very sympathetic for your situation and just making it seemed like everything's excusable in a way he was very good around just dancing around things and was and also I mean he lied a lot as well did he I mean so I didn't catch anything that Chick-fil-A thing I don't know if you guys watched the full episode but he was talking about going to Chick-fil-A and he spent like $20 he was like I got to feed two people you or I got to feed four people or whatever and that's why I spent $20 there there's no shame fat shaming anything like that but you do not stay at his weight if you're only consuming for a meal one Chick-fil-A Sandwich you know if you're splitting that between four people you don't it's impossible it's like calorically mathematically impossible so he was certainly lying a lot about his uh overall spending and just making excuses for things and it's hard cuz a lot of people that come on the show we see their statements they'll admit to things where he we see the statements where like why'd you spend money on this he's like oh I'm buying it for other people not consuming it for myself I'm like okay so what predictions do you have for Boogie he might be forced to sell his house which really sucks but forced to sell his house just to have enough money to survive he talked about moving into like a rural environment after selling his house but then his health his Healthcare needs require being close to like good medical facilities and people and he wouldn't have that in the place he talked about moving so I mean the sad likelihood is I mean the dude's probably not going to be here in 10 years that's the hard part financially speaking I mean he's not going to be able to make it much longer with the bills he's obligated to pay just just his mon L health insurance cost just as monthly health insurance cost a lot of money how much it's ridiculous I don't remember it500 a month yeah it was something like out of pocket it was immediately like half or 60% of his like $50 $50 a day just in health insurance and the dude runs on bumps too he runs on bumps in like his little YouTube algorithm so he goes out and chases something and he probably used my show for that as well just like the podcast he chased that he got he gets a little bump in his YouTube absolutely but I mean the revenue wasn't that much more impactful he he was celebrating bringing in like a few thousand which I mean that's exciting to bring in a few thousands but from where he was and what he needs to survive it wasn't that much I feel bad cuz I'm not actually like I don't like to trash talk people but uh since we're here but yeah the dude is not gonna make it my takea away from your episode when you really did the budget and you broke it down how much he was spending how much he needs to spend he was really only $1,500 a month off at the end of it Assuming he's going to like cut back where he needs to everything yeah only $1,500 I mean there's no reason why he couldn't find a way on YouTube especially to make an extra $1,500 a month and he has a lowow podcast as well that I think is starting to do okay with keemstar and some other person that's kind of fallen off the YouTube world so I mean there's definitely ways he puts low effort into things like his patreon and other things that he tries to sell his audience he does doesn't put any value into them so he doesn't really receive any rewards from them his patreon that came in what was it it was like 40 bucks or something his twitch was like 150 he doesn't put effort into things and actually provide value that people want to consume as a viewer or pay for could be though he's not giving that value because he's not receiving anything first so if it's hard to put value into something it's like I'm making $40 a month why would I spend time on this yeah with $40 a month versus I could make more YouTube videos so I'll keep this going and I'll do this but which is what I recommended all in on YouTube but I think you said in your reaction to the video uh he's kind of stuck on YouTube 10 years ago yeah he hasn't really evolved with the platform you got to constantly evolve but with all this being said very pleasant person in person it's interesting that there's a character on screen off screen because I'm not used to that most people we've met they're the same people all throughout most people I've met at least um so that was a little weird and then the trash talking afterwards that was very weird because like I I don't think I'm that that intimidating I'm just I'm just over here just kind of you know chy little boy if you want want to tell me to off tell me to off you know I'm good with that just tell me in person yeah although you know what before we go into that we're here in Austin Texas we've been traveling a lot lately for the podcast we have some really cool guest lined up and we're also doing our best in addition to that to eat a lot healthier for New Year's I've been on a new diet lately and I'm trying to build a little bit more muscle lose a little bit more fat and a staple of this new diet on is our sponsor hero it's actually it's funny you mention that but every single morning now I have herob bread with peanut butter and it tastes so unbelievably good it's better than the bread that I would buy at the grocery store and it's a lot healthier like just take a look at the nutrition facts so the hero sliced white bread has Zer grams of net carbs Z grams of sugar 45 calories 5 gram of protein and 11 G of fiber not to mention my personal favorite which is the hero tortilla that has Z gr of net carbs 0 g of sugar 80 calories 7 g of protein and 15 G of fiber they also just came out with this brand new recipe using antioxidant-rich olive oil which is shown to reduce cholesterol and reduce the risk of heart disease so join us in our 2024 Mission by clicking the link Down Below in the description which is herob breed and you're able to get 10% off of your first order when you use the code IC all you have to do is go to hero. coist with the code iced and you get 10% off again the link is down below in the description to try it out thank you so much and now let's get back to the episode what is your advice for him at this point did you respond to him have you talked to him since then well I mean I don't respond to drama I did I did one little fiery tweet but was like this is too mean this is too mean I don't did you delete it I deleted it cuz it was just too mean like why be mean you know online like I don't really get the point uh but you I was just kind of playing into it and I was having a little fun but what I recommended to him was really doubling down on YouTube and figuring out where to provide value there in terms of what his viewers want to do he falls into a cycle though where he just he starts getting into something like begging for money or pulling for sympathy and he was like guys I'm done I'm done done playing a character I'm going to be myself very authentic and then one month later he falls into something like he just kind of is on this endless cycle of just falling into his own traps for some reason have you talked to him at all since then or no yeah we've texted a few times again he's a very pleasant person like like like I would be happy to meet with him I don't play Magic the Gathering but if he wants to teach me I'll learn like he's a pleasant dude to be around yeah so given everyone you've had on your channel do you believe that Anyone Could Make It in America okay I think anyone definitely has a shot but certainly some people are going to come from harder situations I think a lot of that comes from uh family situations if you're raised in a single family household and a place that there's like you in a middle of a food desert or there's just Lots lack of jobs lack of Education it's certainly going to be harder but anyone can if they some people are just going to have to put in extra effort for you know where they're born where they come from um whatever their situation anyone can but it's gonna be harder for some people and it might take longer as well might take longer you take every single person that's ever been on your show there is still plenty of opportunity for them to be able to make it every single person that's come on my show I see a path for them to do it sometimes it requires I mean it always requires a slightly different sacrifice whether it's cutting down or needing to go make money more money changing Behavior getting mental health help you know it's always something different but anyone that's ever been on my show can certainly get out of it we see a path how often do you see a correlation between mental health and financial insecurity oh it's certainly a lot we it's interesting because some people have complained that it's become more of a mental health show uh and of course we allow the guests to bring up what they want to bring up um what I don't like are people using it as an excuse when it comes to finances which I'm starting to see sympathy play in some of the guests trying to do that so what I try to do as not a mental health expert I'm not I try to steer them towards okay this is a financial conversation sir we can have sympathy and understand the basis of where things are coming from if there is trauma in the past but you need to talk to a mental health expert who can actually help you on this and let's talk about finances so I try to rope people back into the main line of the conversation that we're trying to be on but certainly it's a big play it would be fantastic if you could have a licensed therapist as well on the show yeah get Dr K to call in that would be amazing incredible one thing we actually want to do this is just more of a service behind the scenes because our show is nothing without our guests um I would love to at some point if we can afford it have a therapist that I can have the guests see if they want to see with no fee and also a financial adviser that a guest could see with no fee for like you know a year or something like that that would be that's something I really want to do I want to invest more in the guest post show uh so yes I mean there could be more content having someone on send them to the ranch like the doctor bille yeah uh but yeah a lot of them do a lot of them this is things stem from trauma I think you navigate that conversation very well though it's like it's like your expertise is in finance and also we had horos on the podcast and he say a lot of people they come up with excuses for why they can't do a certain thing but the only appropriate response to that is like okay and it's like okay you have this you suffer from this and maybe it does infect this but like what are you going to do yeah it becomes a really hard part of the conversation it's an immediate barrier that some people have been throwing up more than normal like I'll lay out what the issues are I'll lay out what you can do and they're like yeah but trauma and I'm like horos respon do about that horos response is always all right then you can't do it silence and they're like well but I could I could do that and then they start to backpedal when when they're confronted and they say I can't do this because you know when I was five my dog died and that traumatized me and I can't do it okay fine you can't do it yeah yeah all right too bad all right see you you're screwed that would be an interesting maybe it's not appropriate but it would be an interesting you know to see if it yielded any good results I'll test it on a couple people we'll see where it goes I tend to agree with them because if if they go in with the mindset I can't do it the dog died traumatized fine but it's and that's going to be self-fulfilling well that's where I wonder why they come on the show anyway can't help someone that doesn't want to be helped in why I wonder why they're here like you know yeah we want people to come on the show who want help right so they'll we do we have an extensive screen process half of our team are producers Mak sure we get the right people on the show but there's always PE you can never Force everything out of people they can fully frame themselves to something completely different through multiple video calls and po calls then they can come sit here and they can trauma dump and it's just like dude I've never went to school for mental health why are we talking about this right now this is not me what sort of traumas are you seeing is it what what trauma really impacts someone's like financial literacy is it divor fincial they up about that it's no it's not even that man it's uh the cope the cope is spending more the cope is they don't care about going into debt the the cope is the actions around it and it can stem stem from any trauma that people do whether it's something sexual in the past whether it's you know a family situation the past a death whatever it is and then the cope around that is spending and the cope just feels better to them than actually disciplining and knowing they can't spend so they don't spend you probably attract that type who cope with finances because they watch your channel it makes sense yeah this might seem insensitive but I feel like it's like the question a lot of people are wondering it's like how many of them do you think are just using that as kind of an excuse and allowing that to like consume them rather than it genuinely being like a pushing hand on their back like no you got to go towards these coping mechanisms dude it's so hard because I just don't want to assume right I don't want to assume I feel like it's just it would be so rude for someone in my position to just assume they're trying to make excuses I don't want to I don't want to invalidate them Solutions yes right it's like you got to attack the problem head on it is that's why I try to Veer them back on that conversation I allowed people to go on trauma Dums for a long time for a while and were really trying to get them back on the conversations now you know pull them back in but I don't want to invalidate their own life experience like they could be lying but if I call one person out for being a liar and they're not then it's just like oh K the Bigg think lying or do you think that're maybe they're taking their experiences and maybe exaggerating maybe but statistically we've had so many people talk about I wouldn't be surprised if at least one person was lying just using it as an excuse to not look bad on camera like they thought they were going to come here and look good the whole way and then I'm calling out their and it's worse than they thought it was like oh yeah but something bad happened in the so how do you ensure that people don't lie on your show uh well we have the hard numbers now again they can lie up front and say this is every single dock I sent you every single dock I've sent you every single dock then I uh get them to pull up Credit Karma and then there's something else that's not there I'm like what the is this why is this here you didn't send us that that happened in the episode that you guys walked in on yeah uh dude didn't send her one of the checking accounts and it's just and one of the debts there was uh $50,000 to student loans mysteriously out there know yeah forgot about that one what can I yeah so we bet we vet we vet and those people are working their ass off back there and what it's impossible to know 100% people can always lie but before we go into that as you're about to see running a business could be pretty tough and keeping everything organized throughout a whole bunch of accounts and software is could often be a huge waste of time and energy but thankfully with today's sponsor net site all you you have to do is remember three numbers 37,000 25 and 1 37,000 because that's how many companies have switched to netw suite and stopped doing things like typing in data by hand and searching through scattered information 25 because netw has spent 25 years helping businesses drive down their costs and one because netsuite is an all-in-one solution that allows you to manage all of your kpis or key performance indicators with one efficient system netw week can help reduce mistakes for manual data entry and trust me there are always going to be mistakes and also prevent the busy work from scaling with your 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improve overall experiences for people coming on the show we don't have statistics around this but we do have a private Discord of all guests posting their wins and fails we get a lot of wins which is really good now we've been doing this for a year and a half and a lot of the solutions to get out of it even when restricting themselves down to zero is like three years so we're seeing a lot of progress uh seeing a lot of completions won't really take place until the channel is like twice as old as it is so uh but we are in the guest updates Channel and uh in a newsletter not not to plug it but in the newsletter uh we send out like bi-weekly updates from guest and those have been more successful updates it's an investment to get people here we give them money but sometimes they spend money as well you know it's it's an investment to get people here people that are starting to get on the right train it's often times not worth a all right come down from Alaska or whatever like just give us a written update let's send it out let's keep people informed of what's going on from your situation usually like the the the the sitting here is a all right time to get your together you know fire up the butt then just get going from there and then when they come back is when they're like completed unless they need another slap in the face do you notice any commonalities between the guests that are very successful and the guests that just don't follow what you tell them uh the guests that are very successful seem to be a bit more quiet after the show they really kind of put their heads down and they really just start grinding things out the GU that tend to be less successful we hear from a little more like they want to be involved in the conversations a little more which I'm I'm down to definitely help them be a part of it but Joseph who's been on the show four times uh who I still absolutely love as a person you know I hear from him all the time and I know he wants to continue to be on the show we're probably not going to do that again for a while because he's been on more than anyone and he hasn't made much progress uh a ton of progress that he should have but um usually those people tend to make less progress why is Joseph not making progress behavior and excuses man he has not changed his overall Behavior he'll do Behavior will change for two weeks then he just falls back into old habits and then excuses we told him to pay off a credit card and then we'd pay off some other debt uh me and the money guy um by a certain date he started to pay off the credit card and then he opened up another credit card and got these different insurances and maxed out the cards so what was his reasoning for that had reason I need insurance so I put the annual I paid for it annually and opened a new card to pay for it so sorry guys I kind of made it but I didn't really did he need the insurance from your perspective yes cuz I believe it was car insurance that he didn't have I'm blinking on it right now A little but it it was something necessary okay and what do you think is holding most people back uh the it's kind of like me with the diet which is totally fair me with the gym it's I think just jumping in jumping into the deep end you know uh it's intimidating at first changing a lot of things changing your entire life lifestyle if you're going out to eat three times a day which a lot of people on the show are just completely changing that so sometimes you know it takes slower steps to get there uh which is fine as long as they actually change in the end but it's a big hurdle that I see a lot of people that get fired up after leaving the show but then actually changing things around their life that is their actions they actually have to take on their own without someone holding their hands and it's very scary to make a big change when you've been doing something for half a decade or a decade yeah do you think you overwhelm them when they come on the show and you're giving giving them this whole financial breakdown that says if you follow this for 3 years so disciplined you'll be debt free and you can start saving like you said it's a big lifestyle change but for you it might be with your diet once a week I'm going to have a personal trainer come here once a week for one hour that's it and for maybe some of these people who need to improve their finances it could be like Dave Ramsey would say save $1,000 yeah and come back maybe you're giving them too much too soon they're not ready to handle it their mind can't uh comprehend all of these changes so they don't stick with it versus here's a little simple step just do this and then report back I would say yes if it was just the conversation the conversation's a big picture item but then from there you know we put them through our educational program we put them through budgeting reviews we put them through the Discord we connect them with resources and answer questions all along the way so if it was the big picture conversation and then go off here on your own I would be more inclined to say yes it for for some people it might be too much but we do a lot of pre-show work and a ton of postow work so just helping them along the journey uh I think helps combat that yeah you Grant Cardone we had him on the podcast a few weeks ago he said that for people who want to make a lot of money they should not be liquid they should have very little money in their bank account because that means they're all in they're all invested they have to make it work then everyone on my show is Rich because they have zero dollars in their bank account so you disagree with it well I don't know I don't know I don't know where you're going withad I want to get your I want to get your thought on that because I from Grant's perspective there's an element of Truth when you have nothing left to fall back on you have to make something work you're all in you're all invested Dave Ramsey ,000 burning yeah burning the ships it's like I got to make this thing work and because of that I'm going to be so much more driven because I have no money in the account and I'm putting everything I have in what I'm doing I'm down with that philosophy but nothing nothing ever in this entire world is one siiz foot all nothing ever especially psychology is not going to be one siiz fits all um so for some people yeah that might work for some people seeing that they're just so close to falling off this we've had them on the show they're so close to just falling off the deep end they're just like I don't even care anymore I don't even care it's just happening uh I can declare bankruptcy if I need to I'm a ,000 dollars away doesn't even matter we're already there so for some people it's just it's going to be different for everyone Jack what did you say about cuz we had a conversation on the uh the walk from the airport about exactly that like do people feel bad about their situ do they realize so what I notic when I was watching a lot of your episodes is like people are in horrible Financial situations like hundred hundreds of thousands of dollars in highin debt just objectively not doing okay yet it seems like they're just completely apathetic to it it just doesn't matter to them and I don't understand how granted I've never been in a situation like that but like I still sweat when you know certain big expenses come come up and stuff like that but how do these people they they just seemingly don't care whatsoever I was in that situation I was I was in that situation you know a decade 11 years ago I didn't care because of there was a lack a lack of Education there was needing to jump in the deep end it would be such a change that I just wasn't willing to take and I didn't see the benefits of it when the benefits really going to outweigh it I didn't really see it and I didn't really realize just how dire it is so that's where I really try to get across and sometimes it comes across a little squeaky but I try to let them know just how truly bad it is I kind of talk about it in a way where it's like this is the part of Kitchen Nightmares where Gordon Ramsay's going through all the stinky food and he's vomiting he's like showing you how up this is and you probably didn't realize it until right now and then we try to get down to the core issues and what it can take to change things so like why do you think people are just so apathetic towards it like you're literally telling them oh you have over $100,000 in high interest debt and they're like yeah see I said that people are just used to it at that point Point like 100 Grand to them is normal it it doesn't seem unreasonable CU they've already experienced it so they're experiencing that's normal and then to them what's an extra ,000 on top of that it's like 1% of what I owe it's not that big of a deal we have people in their mid-30s you know they've been in bad de since they're 18 it's just it's just their life yeah it's it's their dayto day we had one dude and uh we filmed a couple days ago and he can't sleep at night because of his that like he literally cannot sleep like half the nights because he's just stressing about the debt so he's finally starting to wake up to how bad it is but until he was educated and realized how bad that debt was it was just every day for him just building up more debt doesn't matter that's what I did the day before it's just normal it's a part of American culture so my parents told me I could do what's crazy is that I read something about the honic treadmill that said you adjust whatever situation you're in within about six months so lottery winners will feel about normal again 6 months from the time they win same thing like people who uh you know are maybe in a a car accident they become disabled six months later they feel about the same as they did before becoming disabled so for people in a lot of debt you know maybe they sign that that paper and for six months they feel oh that's a lot of money how am I going to dig myself out but after six months you're about normal and then all of a sudden that to you is your Baseline it's interesting because last time we talked about uh it wasn't a full six months ago well we talked about me not liking like Internet Hate and stuff like that no I don't give a like adjusted to I don't know it's just every single day it's just every single day that's like the you were so worried I remember we were hanging out with you before and after the shoe and you were just refreshing your phone looking at comments looking at videos and this and that and we're like like I remember I was feeling the same way and gram probably used to feel the same as well you get used to it you get used to it yeah and I just realize people don't just really know what's actually happening here right here well that's why it's so hard for people to blow up online like I would say for your channel you went from let's say Z to 500,000 subscribers really quickly most people would have to grind through that for years so they'll get some comments it'll grow over time as they get used to it so by the time they get all these hate comments it's like oh I've just been dealing with that the entire time but for you it's like going from everyone loves me to all of a sudden out of 500,000 people we have a hundred who hate you who can't stand you and they want to make that very well known yeah so it's a lot to adjust to T is very evil yeah no I'm used to it now it's show so I get that no it makes sense most people that are going through their debt situation every single day it just feels normal actually you know what I was kind of thinking about this AI could quite possibly be the most important computer technology out there it's storming through almost every industry and billions of dollars are being invested so buckle up the problem is that AI needs a bunch of speed and processing power so how can you get access to it without cost spiraling out of control well actually if you're asking yourself that question it's time to upgrade to the next generation of the cloud Oracle Cloud infrastructure or oci oci is a single platform for your infrastructure database application development and and AI needs oci has four to eight times the bandwidth of other clouds offers one consistent price instead of variable Regional pricing and of course nobody does data better than Oracle so now you can train your AI models at twice the speed and at less than half the cost of other clouds so if you want to do more and spend less like uber 8 by8 and data bricks Mosaic take a free test drive of oci at oracle.com again that's oracle.com oracle.com the link is down below in the descript description enjoy and now let's get back to the episode what would you say is the number one thing that's keeping people poor Behavior you'd say it's just Behavior well number one man I don't know how much of that is student loans car payments people oh yeah what's keeping people for for people on our show the guest would probably say my mental health that's probably what they would say the people that's on my show from sitting across from Behavior the change actually jumping in and starting to take control and becoming an a financial adult for the first time in their life you know a lot of behavior based things in terms of the number one debt man we've had people it's been it's been a recent thing where people consolidate their debt then they just build up right back on credit cards so just trying to finesse the system has been a big thing that has gotten a lot of people in trouble you know what's crazy is I used to be and still am uh very Pro debt consolidation I think the services from a mathematical standpoint make a lot of if you have 30 grand debt and you're paying 30% in interest consolidate it uh you know combine all those credit cards get one company now that you're paying 15% still high but now you've consolid you're saving 15% Dave Ramsey is very against that and I've always looked that advice and that's stupid mathematically you're saving 15% why wouldn't you do that but he says for the exact reason that you said because people end up debt consolidate uh debt consolidating feeling like I've accomplished something I've already got it taken care of but now I could open up another credit card since I'm technically saving money it's free so I'm going to get that credit card but he's wrong and you're wrong it's not one size fits-all yeah for the vast majority of people mostly on the show yeah it's stupid don't do it you're going to build it up back up but if you can do it if you're disciplined if you've proven to yourself that you will be able to manage it absolutely save that money I I don't really get the being pro or anti like you need to be one or the other like I don't really get why but how do people know if they're disciplined enough to do that Pro a track record proven it if you're if you're showing that on a credit card you're only putting gas on it and you're paying it off every single month if you're able to prove to yourself that you've become more financially disciplined you're budgeting you're sitting down once a month seeing where things are going and actually assigning every single scent of your money to specific task and you're not spending money you don't know you're proving to yourself if over a course of maybe a quarter let's just say then I think you're ready to take the next step into something do you think credit cards are a net positive or net negative on people well probably a net negative when it comes to society but like I don't know we all finesse it and I would love everyone to be able to finesse it there's a lot of things that you can take advantage of that are great if you do it right but can be shitty if you don't so for the vast majority of people I mean yeah it's them so do you think I've been having this like internal debate because I know Graham and I like generally speaking we advocate for people to get credit cards if they're responsible about it but do you think that it's an irresponsible thing if you're ad for the usage of credit cards if overall you see it as a negative no because in the way that like Grandma's taught it on the main Channel you teach it with all the extra steps of being responsible you you haven't gone on there and just said go get a credit card said go get a credit card and here's how to be responsible with it so it would be irresponsible if you're like just walking down the street you're like hey you yeah you go get a credit card or just you're a booth at the college you're like sign up for your first credit card go spend all the money pimping out your dorm that's irresponsible responsible but I I don't think the way that like we've discussed it is responsible it's not quite like a casino where you go in and you're going to lose like the house is always going to win I think credit cards on average prey on people who are probably going to spend more money than they should but it's not like a they're always going to win that's the way I see it pretty much with every type of Leverage I mean people can get by it if they do it wrong and that's just one of the worst ones you can get because the rates are just ridiculous and anyone can sign up for it it's much harder to get than a mortgage but you can do a more morage wrong as well yeah let's talk about Leverage What kind of debt do you have right now uh mortgage primary residence uh two of my rental properties have leveraged the rest of them do not they're in cash because that's how to get good deals now Ashley should is paid off by now talked about that last time fiture did you pay it off uh it it ended at six months thing so yeah okay so you just got rid of it off furniture yeah uh I think I I 0% finan the NZ we invested in here I don't know if I'm saying that right it's a Nas uh it's just a thing between my two editors so they can work off the same system without having to Cloud transfer or wire things so I'm Zer per in that which is going to be chill just like the Ashley it'll be done in six months like I no reason not to five six five 6,000 five 6,000 6,000 dude I wouldn't finesse 0% over five or 6,000 I was like why not like I mean I have I I had it is that even worth 10 seconds of your time is just too long to explain to be worth it I'm just I'm silly about it I'm silly about it but it's we're gonna waste more time talking about this than you just paying this thing well we've already wasted more time talking about it than it took for me to do it so it's already set up and ready to go it was like a click like I already knew what I wanted I just used my uh like it's it's already ready like my so I have PayPal credit ready you can zero% Finance something for six months it's just ready to go so pay anything yeah pretty much that's really good those who just accept it I didn't even know that was an option yeah that's amazing actually we are not advocating for this neither would I now I'm running through my mind like what can I spend the money on and keep the money in the account and then get paid back yeah it could be worth it for like legitimate business well if we were to buy a bunch of cameras and stuff like that which is what I essentially did business so we should buy cameras we don't need yeah just for the 0% interest George cell makes the argument I think it's backed by data that people are more comfortable spending more money on credit cards than they are on debit cards that's another reason why he advocates for debit cards which is fine but that's again another one siiz fits-all which doesn't make sense I love George dm with George all the time it's great love to hang out with you George someday but one size fits all it just doesn't work dude I don't spend more money because it's on a credit card I spend the exact same probably same with you but you're right the vast majority they would here's the thing we don't ban everything for everyone because of I like to think I'm spending the same amount on a credit card but I don't know if I would spend less on a debit card because I've not used a debit card for like well do plus years do an exercise budget yourself but he's going to lose out on 2% for a month spending no no the issue with that is I would consciously know I'm paying with a debit card and so for me to overcome like I'm testing myself I'm on the debit card do I spend less because I know I'm spending on a debit card and I'm testing myself well here I'll talk about my psychology and I think this might be more applicable to jenzy and young Millennials as well me swiping me spending cash it's like it's money that doesn't even exist it's money that doesn't even exist what exists is what's a number on a screen that's what I think exactly and if I see a dollar go up on a credit card balance that traumatically impacts me where if I go spend a dollar bill it's just it just flew into The Ether that's what I think it's not accounted for yeah like anytime that I find 20 bucks of cash sitting in like a pant pocket or a jacket pocket I'm think H free 20 bucks yes exactly spend it on something it doesn't exist because I've never accounted for it before yeah so that's where again I think for the majority yes AB absolutely they probably spend more money on a credit card it prevents me from spending money cuz I see I open the app and I see a125 spent getting a taquito or something I'm freaking out I'm freaking out why did I just spend that do you pay off your credit cards throughout the month like if you see a balance on there you just automatically go hand I do the same thing I mean I just find myself opening them like every other day or every three days something like that I was going through it it's it's terrible for my taxes so I'm going through my accounts to kind of line up where I'm drawing from which and some of these and paying off like seven times a month and it makes it a a nightmare to go through and and just say I I took these expenses on the credit card for business but I've pulled it from the account in multiple instances to make sure I'm not like double counting anything or missing something it's it's pretty bad but I like seeing the number uh on mint show credit cards zero and anytime it ticks up I for much longer immediately ripped mint yeah I know uh they're moving to what credit C man right I haven't I haven't done that yet everyone online says to wait and there's a small chance everyone's revolting because they've kept pushing back the migration and so everyone on the Reddit subad is like I'm not doing it until the very last minute and hopefully they're just going to keep it going no I don't think so but I'm gonna hold out until the very last minute into it right into it into it yeah yeah I mean I don't know they're pretty smart they've been successful I'm sure they'll just do whatever the they want yeah if you were to create your own 10-step program let's say like I don't like that stuff the Caleb baby steps I don't like it I hate one size fits all everything is a different person you think everything is super Nuance but like not super Nuance but everything's going to why can't you just do something to the broad demographic out of 10 million people this is going to work for more than half I just think for the viewers watching like generally speaking if they want some actionable structure that they can follow all right let's think okay one month emergency fund one month emergency fun let's start there cover yourself for a month if anything goes wrong for your needs or needs plus wants no no W you kidding me no we're cutting all the way down we cutting down one month emergency fund absolute needs absolute needs no unless the only time I've ever given a little bit of wants is if they have a big gap between their minimum needs and their uh bringing income but usually most people it's just like that Gap is not large enough to justify wants okay start there uh one month emergency fund then this is where again it's not it's it's going to be based on discipline but either either Avalanche all your debts that are not in collection are owed to a person or debt snowball your debt so do smallest to largest if you need to see the little successes along the way to keep you more motivated but if you can be motivated all throughout save the extra money in the end by doing the Avalanche method method then negotiate collections negotiate collections from there um which is going to be a Relentless annoying disgusting process but to overly simplify let to say you did that cool and then if you had the conversation with the people appropriately at the time then pay your personal debts back like if you owe your mom some money now if in the debt process your mom's like no I don't feel comfortable with waiting that long then include them in the snowball or Avalanche process but I would hold that towards the end if it doesn't strain the relationship and if they give their consent on that from there I go six-month emergency fund or 12- month if you're uh you're you're your own business you know if you're your own business you may as well I I think it's more comfortable to do a 12-month emergency fund closer to what I have where the average person 6 months I wouldn't do 3 months cuz now we live in a world where a pandemic can exist randomly M so okay 6 months from there I usually do the 50 30 20 50% on needs 30% on wants 20% on savings uh it's going to be different where you live New York California your needs are going to be a little higher because your housing is going to be a little higher but I would be trying to hit minimum 20% on a monthly basis towards investing goals or saving for a home wherever that is obviously this is where it becomes again applicable to a different person if you're 55 you have no retirement a larger chunk is going to have to go to starting to save for retirement versus if you're 25 and you just got a de out of debt fully funded emergency fund and you need to start investing so uh from there it's kind of just 50 30 20 until you're retired when you're just living dream it's fantastic I love that yeah it's pretty concise yeah this just gonna you know it depends on your age depends on where you live depends on how disciplined you are through your debt pain Journey so there's there's nuances here and there So speaking of debt when do you think college is worth it and when do you think it's worth it to go into debt to go to college what do they say if you if you're starting salaries going to be double what you borrowed for school I think that's the general rule that people have kind of agreed upon in the financial community that it's worth it so if you know you're going to make $660,000 and you can borrow $30,000 to go to school I think college is college debt or College college debt okay yeah I mean you definitely justify with the degree if we can mathematically say that you're going to have a good return on your investment I'd say I mean let's just break it down simple simple math if it's going to whatever amount that you're borrowing for college if with that degree you're going to make at least twice the interest on the debt then sure you can probably justify right I feel I figure that's a relatively basic way to go about it yeah what's crazy is that they did a study recently zip recruiter they found that only 14% of jobs posted on there actually required a degree that's it and now overall not including just all jobs only 45% require a degree as you know I've recently hired people I never once asked for the degree or education or even previous work I gave them exercises to complete the best who complet push-ups or video editing exercises and graphic creation and you know conversational skills and just uh overall interviews be funny if you do physical exercises yeah I think we'd all lose oh no one would do well uh but uh no I just hired the best people for the job I didn't give a single about where they as long as they're nice you know they'd get along they'd fit in the overall culture that we're trying to build and they get their job done I'm want the best of the best now Whoever has the best degree from the I I'd almost prefer someone without a degree I mean a degree wouldn't like turn me off entirely but someone without a degree I feel like might be a little better for the job because it shows that they've taken alternative path that they're thinking outside the box they're not just going with what everyone else is doing that they're pursuing something on their own I think that's inval yeah it's interesting yeah pretty cool I would never knock but it's fun yeah what do you say to the critiques what do you say to the critiques that you are too harsh on Guess did the camera see that you did a double take because you messed up the first time I did a double yeah you got to keep that in Jack I screw up so often on the podcast and you're like keep I usually cut those out I usually really that time all right say what do you think about it uh that I'm too harsh on the guess yeah um um I don't know I have the conversation in the way that I wish someone had with me a decade ago like the exact same way everyone gets help in different ways if you don't think you would get help from being on the show if that's going to be something that's too much for youat congratulations don't come on the show we have a broad catalog for you to investigate before and 99% of the people who are on the show are fans of the show so they know exactly what they're getting into they think it's a process that's going to help them so they sign up for it if some people feel insulted watching it you're not the ones who signed up for the show have you ever had someone freak out on you because you're being quote unquote harsh or mean to them no there was that one dude who stood up and started to walk out uh he just he's emotionally imbalanced in general and we did not know that going into it so when I was pushing him too hard he started to emotionally not react well and he started to walk away and I was able to Loop him back in I didn't know I was good at this but people have commented that I'm good at this I'm I know apparently I know when to let off MH so as people are kind of pushed to that point where they're realizing how bad their situation actually is good at looping them back in turning it into a more hopeful message so I didn't know I was good at that people have told me I'm good at that so I guess I'll just trust them I don't think I'm too harsh I mean people know what they're signing up for and they know what helps them if it doesn't help you don't come on the show and they don't yeah some of your titles though are a little fun like uh this one dumb blonde can't get her life together click on that video read the pin comment into the mic please before people get angry about the title she walked in the room and told us she wanted dumb blonde can't get her life together to be the title I love you yeah we don't just do it on our own we work with our guest and kind of it's kind of a meme at this point where we just we try to have outrageous and funky weird titles and thumbnails but what are the chances that she said I want dumb blonde and this one says dumb stripper blows my mind did she walk in and say I want you to she didn't walk in and say it but we talked about thumbnail and title ideas afterwards with them so we get everyone's permission not only do we have a conversation with them they also read through paperwork and agree to it there's a whole extensive process to make sure everyone feels comfortable and agrees now when you record six episodes a week statistically there's going to be a couple people that might end up end up you know being more upset than you would like them to be I wish everyone would have a great experience but the vast vast vast vast vast majority have had a great experence how do you ensure that they don't feel pressured to say yes to it because they feel like it's Caleb Hammer he knows what's best because I don't have the conversation with them my producers do before they come on the show and my producers do uh before they come even to the set and then all communication with them after the fact who the producers because I know there's a power dynamic between me and other people now at this point so I try to make it have with an unintimidating person someone that they can just relate to that they've never heard of before and someone who really has their um uh Comfort uh at heart I'm not going to mention her by name because she does not like being like in the public eye but my gunness the amount of just nagging I get in my ear from the desk behind me in our new office of ideas to just make it better for the guest every single second of every day she's actively obsessed with it which is what I need and what we all need it's we put so much attention and Detail in making sure they have the best experience have you had any moments on the podcast that you thought were genuinely heartbreaking or like you felt a lot of internal sadness yes I'm I don't know anyone's name I know their face because I'm just bad with names barely even know your guys' names not true but there was this girl who was taking care of her siblings like there were her own kids and I remember that episode right yeah they grew up in a situation where they didn't get anything so she wanted to provide a lot but she couldn't afford it in order to get out of her debt situation so that absolutely destroyed me and I'm that's I I help I paid for her Christmas so that they could have an actual Christmas something like that is brutal when it involves kids even though they're stinky and sticky I still feel sad when you know the relationship with their sister or parental figure is impacted by the overall situation that breaks me every time that kills me that uh well they had a good Christmas and I'm being told that we're going to have a positive update with her within a couple months on the show which I'm very excited about what was the situation for those who haven't seen the the episode uh the overall situation in terms of her and her relationship with their uh family just uh a really bad house household from her parents so she adopted uh whether legally or just you know just uh bringing them on her brothers and treated them like her kids but just like everyone else on the show she was in debt she could barely afford to exist but she wanted to give them the lives that they deserve and I'm like we got to cut back so that they can eventually have the lives that they need to have uh in terms of not growing up with their parental figure always being stressed about money not being able to pay bills having to move a lot because you can't afford to stay in the place you're living in we have to cut back and sacrifice now which might mean they don't get the nicest clothes means they might not get a trip to great with flage was a big thing they like doing um they might not get to go out to eat all the time which was like their escape away cutting back for the better future that they'll remember more later in life because they're younger they're forming less core memories yeah um but that was really hard CU they grew up in a really rough home and she wanted to give them amazing life and they deserve to have that amazing life just they got to work for it and so that's why I wanted to help her out for Christmas and I'm excited to see her positive update if it's positive like I've been informed how would you say your mindset has changed from scarcity to abundance as you've acquired more wealth I've become more scared of retirement for some reason more scared of being able to attain retirement I don't know how I've made more money than I've ever have in my life but I'm I feel like retirement is less likely somehow I for some reason I don't know if because my retirement goals have gotten bigger which they have gotten a little bit bigger uh but I always felt like working the N9 to5 felt more secure and that I would eventually be able to retire you know 59 and a half something like that if I invest correctly put enough aside on a monthly basis but now that I'm like running a team I have an office all this stuff is just like oh my gosh everything could collapse at any moment I got to make sure I'm prepared and I can take care of people and so there a lot more anxiety surrounding that and how has your relationship with money in and of itself changed as you've like quotequote got rich it hasn't really change that much I'm investing as much as I can which is what I did before um my fun and crazy spending you know on hasn't really increased I'll go to a nicer restaurant every once in a while and bring the friends along with me if one of them can't afford to pay for it I will cover it because I want to experience that as a friend group you know uh but I in my money skills and my overall Behavior has not changed random off topic question but we took you to Sushi yeah last time it was like your first time having sushi right very scary and you kind of enjoyed it loved it I've been back so many times you've been back have you gone to another sushi restaurant yes and what what's your over that makes me so happy to hear oh was so good love it uh overall experience in sushi man dude it's is so good yeah you were nervous I remember as some background we went to this place and it was like the nicest sushi place place I believe in Austin Uchi yeah Uchi and I went there and just honestly it was one of the best sushi places that I've been to in terms of quality the type of fish that they had the menu and you were there and you're like I don't eat sushi I don't eat anything raw nothing and I'm like just try it I don't want the just just try it and you know what you did it you tried it yeah you tried it and and and what happened I liked it you liked it I was nervous all night when I was in bed I was like is this something bad going to happen makes so happened so I've I've been back there one more time and then I've been to a couple other sushi restaurants as well took my team out after we finished the budgeting program that we worked so many hours on we had a celebration dinner at their sister restaurant it was really good it's just fun to explore the different tastes that are on the menu that day you know whatever fish they have whatever the chef wants to prepare so I I wasn't a fancy restaurant person before that so those have been my fancier restaurants where I've spent more money than I would like to spend has been sushi do you feel more financially secure today or did you in the in the beginning a little more in the beginning because I had a job I don't know man even though you make more money now I make more money now but every time I add an employee for a task because we're trying to launch other channels a new channel maybe by the time this comes out we'll have launched our new channel every time I add something like the lease for this office buying the new cameras dude it's a gut in my like this is taken away from me retiring if for some reason the cameras are holding you back from retirement I don't know man if for some reason just like people are like oh Financial audit I don't like that show anymore am not g to watch it I'm like oh okay what do I do now I have employees I probably pull for my own money to be able to make sure they exist first that's yeah there's extra stress on top of it but I love it I absolutely love it so how much has it grown in the last 5 months since we had you on podcast because you have a completely different operation than what I've seen five months ago it it you've expanded from what I see to be like 10 times yeah I mean this has become a well oiled machine Financial audit you know people are taking care of that and we're able to expand into more areas focusing on different passion prodct I want to do our second channel is purely educational based then we're going to do a third channel on many documentaries on things that I'm interested in we're going to launch a second podcast in that corner with just us hanging out and talking me and the team that we're going to upload on Saturdays so I'm able to focus on more of the passion things so that's really fun do you worry that's going to split attention though that maybe you're diverting your attention away from what's working refuse I refuse to start anything new until something is well oiled and just being able to run so Jack and I were talking about this earlier and Jack was really trying to reel me in I told Jack Hey listen sometimes we film these podcasts where we know it doesn't quite fit with the current style of our episodes but the really good episodes I'm like what if we just posted them on the clips Channel or we had another podcast Channel where we have a like we have a backlog of probably 10 episodes that are already filmed some of them we try to fit in and slot in but they're really good episodes it just might fit with the style I'm like let's post that on that channel and then guess what we could do Jack is just have fun episodes just have people on where we know it's not going to fit with our main Channel but we just throw them on we just do a podcast Jack said nope we got to do one thing really really really well and we want people to look forward to that one episode every single week and know we're going to knock it out of the park and I'm like but we could do both and Jack is really me and you know what I I see Jack's point of view and I would tend to agree with Jack slightly more than I think posting I think that realistically we will make more money if we do what Graham says but I still think that it kind of dilutes the brand a little bit and I think there's a component of overexposure if people are seeing you like a few times a week rather than just like one time every single Sunday and on yeah I think that people can get tired of you to be honest and also like I think it's weird like posting certain ones on the clips channel it's like everyone knows okay this isn't as good as of of an episode as something on the main Channel and I just want people to know every single Sunday you can get a banger on the iced coffee hour 9:00 a.m. Pacific time yeah the big eye opening thing for me is posting Less on the main Channel going from three a week to one a week and that one a week gets more views than posting three a week unless it's following someone around we don't need to start that right now that's oh gosh man bud you took a wound and yeah that was just poured so you know what is so bad is I've not looked at the analytics on the main channel in 24 hours purposely because it put me in such a mood every time I open it it it ruin my nightless Macy came in and she's like what's wrong it's nothing but deep down I knew it was nothing it's nothing choking back tears literally it's nothing cuz no one watched the damn thing oh no it's hard that's why I like second channels though if that's if that's a passion that you want to do that it fits better on another Channel where they don't have expectations I'm hoping it's going to lock down it could it's so bad man so bad for those who are not aware I've been on this tear on the main Channel every video has been like 3 to 600,000 views and I had this one I had been sitting on since October October three months I had been like casually working on this video it's following around a solar salesperson who's making $1,000 a day and I spent two full days with this guy going door to door for two full days going door to door with this guy in Las Vegas and I pieced together this video and I was pretty happy with it overall I knew it was not going to be a hit but my gosh it bombed worse than I expected like my Baseline my my like Baseline was bad I set the expectation so low and it underperformed that by like 50% we didn't even talk about it before this but this is did you watch the video I didn't watch it why why didn't you watch it be honest tell me why you didn't watch it because you're probably indicative of most of the audience okay well this is H this isn't fair I don't I don't watch your main channel so don't you made it worse how' you just said I wasn't interest watch the ice coffee hour I watched the ice coffee hour they very funny conversations I never watched the main Channel I watched the Graham Stefan show you watch that that's what I watched back in the day God that's what you watch God yeah that's what I watched back that those videos that's I never watched that's the lowest effort content I I put out I used the the the millennial monies you know back in the OG Millennial money days that's what I watched and then I transitioned to ice coffee hour and never watched the main Channel but I am subscribed to the main Channel and I opened up YouTube after a long day yesterday and I got in bed opened up YouTube and I saw like uploaded eight hours ago and it was at 20,000 views and I was like yeah I know I know my boy's not happy over there in Vegas sorry sorry the change your topic I'm sorry it's I've not been looking at it that's good I no I think that's help I think it's more healthy I could look at it accept it and move on yes course of course that's more healthy but at the same point it's like you're not feeling the negative emotions that's still a that's a step in the right direction the emotions are there I'm purposely just like suppressing them down dude you would not this guy we were on the plane coming over here and I see Graham he's like got his phone like right at his hip and he's doing some calculations on his phone and I'm like I'm like I literally asked I was like I was like so uh What uh money calculations are you doing right now knows it's a money every time just like randomly dividing multiplying like all these things doing percentages and he's like just like seeing how much money I would have made if I bought Bitcoin a while ago I'm like dude I'm like cuz you know what Bitcoin hit 49k and I remember when it was at 20 I thought I remembered it trading at 20 and I thought hm 100 Grand could buy five Bitcoins even should I do that buy five of them I was like nah and then I did the math how much that would be worth today 250 Grand is it because of ETF launch is that why it's spiking I spiked up and it spiked up and then went back down but it's been it's been consistently 42 to 46 consistently lately so and then I'm thinking I missed out on 150,000 worth of profit and then I was doing the after tax calculation to be like 15,000 assuming I sold what would that be after tax and then Jack looked over me like but it got me upset because I did this imaginary calculation on something that I didn't a therapist there needs to be a therapist here because that that's like so not right I feel like to be doing I feel like everyone does that do you not go back and like okay I bought Bitcoin I do that I I did that when I bought my first rental property I'm like how I just took the cash bought Bitcoin instead I be like to million dollars and I'm like all right there we go yeah there we go my day is ruined like I think I asked Graham like afterwards I was like I was like how are you feeling now and he jokingly said like my day is ruined like but that's the thing it's like I can you go and you set yourself up for these certain things that you know you're just like well let's see how much money I like actually didn't hypthetically lost by like how are you well I'm pretty upset I don't know man like I feel like I did that a long time ago like back when I like made my money in Dogecoin I was thinking like well what if I sold off earlier what if I sold off now like buying a house just bu that was the last time I did it and I'm like well this isn't really serving me but I know it's fun it's fun just playing around with the absolutely one thing that I do constantly um is I'll I'll pick like the if I if a video absolutely bombs like bomb bomb bombs I like take that calculation as like that's going to be the peak I ever get like what does annual look yeah yeah I do the same thing yeah mostly because now I take care of people and I like payroll it's expensive so but you also said I think we had to talk about this October November where I was like dude maybe you want to go down to like once or twice a week yeah and you said well you know January are you doing that or do you think you're going to keep your three a week man it's hard we have discussions about it in the team we have so many people that want to come on that we can just indefinitely record forever um it's interesting because I think we can put out different episodes a lot of people I I got on Reddit today for the first time in like two months or something like I I don't get on Reddit anymore I look at your subreddit believe it or not I check it out I I followed the subreddit and I read like uh overall positive I would say the biggest critique seem to come from from the guest choices yes or from the guest themselves from the guest themselves yeah they don't like the guest like certain guests say oh this person did this this person did it's not like Caleb did this Caleb it's usually guest selection or the guest themselves yeah uh it's has spend bad for my mental health on there so I just don't go on there anymore but actually before I go into the story I was going to say on the Reddit and it was like it was when I started to check out of the subreddit we had this dude that came on and he had the weirdest voice I've ever heard in my life it was like it sounded like he was using a voice changer and that's what it sounded like in real life a deep voice huh yeah I texted you about that you did cuz you thought it was fake too I thought it was fake and everyone thought it was fake and I was like guys this isn't fake what episode is this yeah I can show you I can find the video who's that one YouTuber with a really deep voice you played or Among Us yeah he has the same thing as that guy yes he has the same thing as Corpse husband apparently I learned after the fact see I think it's such a unique voice I think it's like it sounds you pay a lot of money for a voice like that I would I would like voice little deeper a little deeper a little deeper you were living the dream every child wants to absolutely live absolutely I was living the dream and I really really abused that fact I was like oh I have extra money I can spend it I I do not have extra money to spend at all the top comment is Batman getting his audit done so we had what did he say about his is he uh like is he he tell me about he was he was responding to YouTube comments about his disorder it's very you suffer a lot apparently with that disorder it's like not a comfortable thing I think you have damage in your your vocal cords and your but the weirdest thing was on that subreddit people were not only just commenting people were posting their own threads like Caleb you don't have to lie to us we know what's going on you use the voice changer you don't have to lie to us your audience and I'm like terrible for what is happening like I don't know everything will just turn into a conspiracy somehow I don't know if it's a parasocial relationship in terms of just thinking they know what it's like behind the scenes but it's so interesting but your original question um there a few things we threw out there going down a fewer couple episodes yeah so one reason why I like uploading three it's because we can have a diversity guests we had someone something posted on uh Reddit today and it was like the first thing I responded to in a long time it was like can we have more normal episodes please can we have episodes of people that want to sit down and just get out of debt then I went through the last 11 episodes and I posted eight of them and I was like oh here's uh eight out of the last 11 episodes they were just normal people who came on to get out of debt thumbnails and titles were ridiculous it's kind of a meme at this point sure but they they sat down we got a budget and they went on their way and there's a little bit of squeakiness uh but they they rang from like a hammer Financial score one to four but then I also told them you probably didn't see this episode because it has a lower amount of views because less people clicked on it less people watched for longer and it got less views which means it was not recommend recommended to you the videos that were more wild that you watched and thought the whole channel is like the last three out of 11 you probably think that's the entire Channel because people watched it for longer they voted with their eyeballs they enjoyed the content and it was recommended to you and you probably clicked on it and you thought that's what the channel was but eight out of the last 11 were exactly what that person was asking for on the subreddit post and I'm like you just didn't see it that's the thing people don't know what they want I've learned that so quickly on YouTube people say oh make a video about this every was like yeah a great idea I do no one watches it but you make the video you think people want to watch more clickbait videos or the more negative videos are the more Extreme videos everyone watches them well that's why I like having three videos a week is because I can have someone on who is just chill and we can have that video and if it doesn't perform as well that's okay people are still getting help from it who are watching it and the person who came on is still getting help and then I can have a wild episode that performs the downside is that because your episodes are so long people have to pick and choose what they want to watch not going to watch every single episode they're probably going to watch one a week and so now they have three episodes and like which one am I going to pick to watch if it's just one a week everyone is going to say all right I'm watching that episode sure so you could I've noticed My Views double going from three to one I just feel like we're going to have less diverse episodes because I want to upload the episodes with the least crazy people you do that for a week and then it just sits there for a week twice a week okay every I think every Monday and Thursday that's what what we were thinking about was Monday and Thurday thday we're considering it we're considering it so we have a piece of criticism for you and we want to know what you okay do you think that you listen to your own advice you say you're not a car person but you consistently want to like buy a Tesla I mean you've reached out to gram and I several times about like I think I want to buy a Tesla but every single time we visit you you're like this car is perfectly fine was it a Jeep or something yeah Jeep Cherokee perfectly fine Jeep Cherokee love the car never want to upgrade I'm not a car person and then over and over and over you're like yeah but that Tesla's pretty awesome you bought a house yeah impulsively right not impulsively but it was an emotional spend kind of I was looking for about three to four months but once I found the place I went and visited about six times and I pulled the trigger so I think we framed it a little rough last time but at the time of purchase did you really think that that was the smartest financial decision for yourself smart TST or a smart I don't think it was bad but it wasn't like the smartest thing the smartest thing would always be throwing money in the market it wasn't bad only because of how well you do it wasn't bad in proportion to that I think you would have gotten a a cheaper home had you waited and I think you would have been able to rent a better house for Less I don't think it was bad I mean it's like you know because you're doing so well in proportion it absorbs a lot of the mistakes like you make a lot of fuckups and it doesn't matter sure so well in terms of following my own advice no I don't because I advise 50 3020 but I invest instead of 50 about 80% Dave Ramsey said something where those percentages become skewed after a certain amount and he no longer recommends that because someone making let's say a million dollars a year and they're spending 30% on wants I mean $300,000 a year on wants yeah which I would never skews Beyond like 400k a year which I would never do so technically I don't follow my advice I would invest 30% I would go spend 30% which I wouldn't even know what to do with so technically no I'm investing the vast vast vast majority but if I went and bought a Tesla it would be such a small fraction of My overall spending because I don't go spend money on fun really like ever I'm working we'll go out to eat or see a movie with the friends like once or twice a week it wouldn't be the end of the world how do you think you can improve your finances okay so let me ask you what does improve look like CU technically I could have half the employees just do this show and invest invest more money sure let's just say your overall relationship with money probably the um oh I'm going to sound like a guest on my show get ready the mental health aspect to thinking that I'm just going to die in poverty at all times I think I'm just I think I'm just gonna retire with nothing you still feel that way yeah yeah and every time I expand the business slightly I'm like oh this is preventing me from retiring I wonder if there's always going to be something because I feel the same way and there's always been something that is prevented me from feeling secure it's because we know the statistics that YouTubers on average three years like you said five years you said is good not everyone gets to be like the YouTubers who have retired recently 10 years yeah so good for them by the way yeah Graham do you think I'm going to die in poverty no but you have a significant amount more money than I have right and probably access better access to higher paying jobs than I have yeah and for some reason you think I'm not going to die in poverty no and you think you will yeah can you explain that not on camera but you probably know oh well now I want to hear can can you explain it kale do you think I'm gonna die in poverty oh I don't think you're gonna die in poverty right but you have more money than I have by significant do yeah probably yeah and then also you have you don't more money than this guy well you've just been doing it for so long you have access to to higher paying jobs probably why do YouTube channel end though do they end in like a stupid Scandal that are just with that I wonder if if it's easier for that person to then go make money you I don't think I hate this this is going to sound so Cy you are not known enough where it would impact your job career out that's what I that's what I told Jack earlier today we literally had this exact cuz it sounds bad to say I wanted to no no no it I wanted to extrapolate on that even further yeah but it's sounds bad to say you sound I Fair let's cut to the the Chas right here I I think that's a fair point but at the same time like I don't think that your level of like being famous is is working against you in that case no but when YouTube channels end like let just I make one stupid tweet let's say I get I I don't drink but let's just say I get randomly drunk you guys COA me into getting just wild tonight on Sixth Street and I make the dumbest tweet that's ever existed in the world just for some reason and it's just like oh Scandal planet YouTube drama W drama alert Philip the Franco show let's go uh you know YouTube career ends and it's just like they search for me and it's just like oh Caleb made this terrible tweet we can't hire him rip me but you still don't think that the skills that you've acquired along the way you can still work behind the scenes No probably could could do like an agency yeah here's the thing you could always work you could always work MH but I think that future income is never guaranteed but you always have what it takes to be able to work as long as you're physically able to yeah I suppose what gives me a lot of confidence is like sure I don't have anywhere near enough money right now to retire but I do know if everything were to crash and burn right now that I do have marketable skills that I'd be able to bring into any other position and be able to provide value and make money yeah I just think you could get hired easier because I just think when YouTube channels end either they're Peter off for a decade or they just get YouTube drama cancelled because everyone's looking for drama I don't think that all of your influence evaporates that I don't think that you get like you know let's just say 85 90% of your audience turns on you you still have 10% of 900 90,000 but then you see people like Boogie I hate to use him as an example but like he's someone who had millions of subscribers now he is might be an extreme but you know he can turn it around there are certain things that are he can't get back to where he was I mean that but there are certain things that he is suffering from that are preventing him from getting where he needs to be that you weren't necessarily and those I feel like are the really only things that you can bar from this that's a good point that's fair maybe it's kind of when you look in the mirror and you think you look uglier than you actually do like I can see you being successful but I have a hard time seeing me be successful after you do like I don't know maybe this is some projection of some kind what's been the thing for me that I've noticed like when I went from the duplex and I bought the first like real house in La I remember thinking I'm locked into working just as hard if not harder on YouTube for another year to be able to make enough to be able to sustain these payments if everything were to go to zero so my motivation for that year was here's my payment this is all new earn enough and then you know do backwards math and be like okay now I'm I'm financially secure with this then I ended up moving to Vegas and then I thought okay now I need to work another let's say eight months to make sure that this is sustainable and then after that it could be another thing and then you know usually there there are incremental life changes that happen and then I'm thinking also like okay now if I'm okay here I'm okay on the current lifestyle but what happens in the event of uh you know you need medical assistance yeah okay let's put a padding on that what if uh kids let's put a padding on that what if a a kid for whatever reason God forbid has a has a you know a disability and that's expensive and you need to plan for that okay well pad that it's always like a little more just to like pad it for these things so that from my perspective it's always like okay let's work a little more just to make sure that situation is Tak care of that's what this last year was for me before expanding the business into more Ventures that I wanted to do is I have now built my rental portfolio to after uh Property Management fees after property taxes after insurance after any mortgage on the couple that I have and after 3% for future vacancies and 3% for future repairs generates $111,000 a month in cash flow so that was my big goal for the end of the year and I ended up hitting that so I mean that more that more than covers my mortgage and you know I don't really have many expenses left on top of that but obviously you wouldn't want your mortgage to be 50% or more of your income but either way that was my Big Goal because if for some reason things dry up I could live a good upper middle class middle class upper middle class life for that indefinitely that's really fascinating the way that you guys are explaining it because it's like a completely different ballpark than the ball park ad in obviously if we're just considering finances involved but like I oddly enough I feel feel rich even though I am still very far from like I feel very comfortable growing up I definitely like I would skimp out I wouldn't get the avocado on Chipotle in fact I wouldn't even like go out to eat ever I would be like uh I'd play what we call the waiting game you'd go you'd show up everyone else would order food and if they didn't finish it you just eat their food and we call it the waiting game that's what I did the other night when we were all out at tacos I was telling you about this place that we went to and I checked the table to see who's not finished with the food and I'm never gonna say are you done with that because then people feel guilty it's like they look at the food and like all right I'll just give it to you I like it when they're about to take it away and say oh do wait can I have it and then they give it to me because then I know 100% they're going to be done is when they're taking it you know then I know they're going to be done with it because I don't want the guilt food I don't want them to guilt give me food maybe I have no shame but I always ask if they're done with that no so so I saw a buddy uh Daniel he's Vegas Low Roller on YouTube and he had one Lobster enchilada and some street corn that was just sitting there uneaten and he had he was the only one with food on the entire table I didn't want to ask if he's done with the food and waited 10 minutes they took the food and then to the server I'm like wait a second could you put that right here and I'll finish it and I did it was delicious absolutely delicious like that makes sense right you're being financially somewhat responsible also you don't want to be wasteful of course no I think and that's something I really respect about very resourceful I don't want to be wasteful that's a smart thing to do Jack but the thing I don't understand okay is like the only real thing that I need to survive is my mortgage payment which is like 22 $2,300 and I have all of my rooms rented out and I'm basically cash flow flat like not positive not negative on my living expenses and I know for a fact I can just get a job if I really needed to as a buser at a Starbucks something like that and I could still work 20 30 hours a week and pay for health insurance my cars paid off etc etc and that right there is like I'm conf right it would be hard to ra to raise a family for sure but I still think that like that's like worst case scenario and like that in and of itself like knowing that that is the Baseline gives me so much confidence and like I feel like I feel very secure and also just like the small little practices of getting avocado which sounds so simple like giving AOC getting avocado on like a sandwich or whatever or not caring when you're going out to like eat even if it's like a $10 burrito whatever and just happily paying for it like that like those little practices make me feel like I'm totally fine and well off I still can't quite understand the the difference but I know it's a very common thing well I mean I can't fully answer the why that's why I said at the beginning it's probably a mental health thing like there's probably some underlying anxiety surrounding it but I can't pinpoint a why why do I think it's G to crash and burn why do I think I'm GNA die on the Walmart floor I don't know I don't have an answer do you have an answer why you think you're GNA no not necessarily my biggest fear is doing something that I never want to do like I had that one experience doing data entry for like six weeks and it sounds so stupid but I was so depressed it was the only time in my life where I actually like would go home and just feel just miserable I didn't want to wake up I didn't want to do anything I was terrible and I never want to return to that fair enough but it was waking up every day knowing I got to put in this 9 to5 I like is this life and I just saw that for like 60 years doing that I hated it so badly that I never want to be forced to do something like that so the idea of of going into a job that I hate doing to me is like I'll do anything to avoid that even if that means thinking I'm constantly broke and I just gota like do enough to be you know to be a bit scarcity but uh that's where Boogie is right now like refuses even if YouTube doesn't make money I think we all think he can make a little more money on there but he refuses to get any job any job if it fully stops he's a YouTuber he has three million subscribers or whatever so he thinks I don't know yeah it's I think it's a humility thing the embarrassment as well of being Boogie and you you go into Chipotle for instance and be like hey are are you Boogie and servant Chipotle is like oh can I get a selfie with you and it might be just but seriously imagine that any frontf facing job like that anyone is G they're going to recognize let's take selfies yeah um I remember we had Devon work Heiser on the podcast from Ned's Declassified and like for any kid would instantly recognize yo that's Ned and he was working at equinox and didn't care because he like that was what it took to support his acting career at the time it made good money but like he was this really famous child actor working at equinox that's what you have to do and he didn't have an ego it was just like yeah I'm doing this it pays really well and I'm doing my acting on the side and this is just is what it is yeah so I think I think that's a big hurdle for a lot of people to overcome bet a lot of people wouldn't be able to do that just they would have a pride thing like no I'm Ned like I'm not going to do that yeah I probably work at the fish shop the fish shop I like to go to I love that everyone there seems to be having a good time decent manual labor they're always lifting heavy buckets of water yeah but that might be good and yeah it looks fun they're all happy you know what I thought like if everything were to go to zero let's just say I start over with zero today like and I had to go and get a job uh it would probably be like a marine aquarium wholesaler I just go back I would probably just go back to doing that top shelf Aquatics would probably be or worldwide corals one of those two places you'd help me build my first reef tank yeah yeah I would or I just do uh I set up reef tanks for people I think that would be fun yeah I do that so I I thought of all of those things I thought of every scenario if I were just like all right starting over from scratch what would I do if it's not YouTube yeah that's is why I'm investing everything a lot of people that get into the YouTube I think we're fortunate enough to be in the finance space where we at least are educated on personal finances enough to know okay at some point this income might not exist I should invest a lot of YouTubers they get their YouTuber they get their um I got a house for $900,000 but a lot of people they'll get their $10 million house they'll get their Ferrari they'll get their you know lavish parties and fancy clothes and all this stuff and then at the end of the day it's you know this is kind of they end up with not that much and that's happened to a lot of YouTubers what is it sunny V2 Sunny V3 yeah he follows a lot of those stories great Channel Lov Sunny V3 that's the next stage is there a sunny V1 does it just gets worse it's like Sunny B5 at that point yeah so do you feel like you're conquering your anxieties or do you feel like they're still somewhat controlling which direction you're taking life I'm sure it's controlling the financial aspect that we talk about me I haven't been I haven't visited you guys have been here three times come to Vegas I want you to go to Vegas and I want you to see Dave Ramsey I want to meet the dog I want to meet Bailey Bailey Ramsey would I feel like Ramsey would like you oh I'll meet Ramsey too but I really you see the aquarium yes yes I would love to go I think in terms of anxieties holding me back that's my big one for some reason I'm just not getting on a well not for some reason I my Panic is sort of whatever says I think that's the one thing I'm not doing yes which probably good what if it's on a plane with us listen I'm open to it are you really I'm open to it hyp hypthetically if we flew from New York here back to Vegas would you do that in the next like few days well no we got a schedule excuses this needs to be a limiting Bel we have a schedule to meet if we plan it if we plan it within like a month that we can schedule our no no no like within a specific month that we can take like a week off you don't need a just two and a half hours it's a two and a half hour flight you we we were talking Jack and I saying how easy the flight was and we could go here and back in the same day I did a full video edit on the plane so I wasted no time the only time I Wast is just the time it takes to get to the airport and wait to Bo the plane yeah the day of Ramsey Show uh or sorry the Ramsey show come on uh they've stopped inviting me are you serious well I mean you just invite sobody so many times right yeah it's not like it's not like they're saying I can't come on but they're just like there was like a different producer every other week that was like hey we really want you on hey we really want you on please come and I'm like all right so I think feel like that but that's huge I mean just I I think that con connection you'd build what you would learn from him and his team and just walking in and seeing his operation I'll challenge his 8% withdraw on the air good call them out on it D sequence of return risk but you got to go there you got to get on the airplane or road trip zoom zoom I I think this is less about you physically being there and more about conquering it is it is that's my one thing the only probable benefit is I like being new places I just don't like getting there so because I don't fly at least I'm not spending money on going on vacations no you're not going to go on vacations but I'm going to tell you I think it's I think it's going to be like the sushi thing I think you're going to go in very skeptical so much easier and just you say that but you're sitting you don't have to consume anything Co I like being on a roller coaster but standing in line for two hours I just feel like I'm like dying like my body feels like it's dying going through all the checks driving to the airport getting the parking going through the lines getting the check all that leadup there was no leadup to Sushi you need to do is a first class ticket you buy a first that much better domestically yeah okay oh yeah and you're going to spend under $ thousand on a first class ticket almost anywhere in the United States and then to and from the airport you're going to hire the best driver you can get a nice SUV and Escalade that's going to pick you up take you right there you could even pay someone to go with you buy an extra $1 thousand ticket and what they're going to do is just you follow one person you're also going to get TSA pre-check ahead of time so that way you skip the line and you go right in you could make this so seamless that you have someone with you at all times sitting right next to you who leads the way maybe they could even drive you there you got to do nothing you could zone out the entire time and they will be the one that coordinate everything for two grand total and it's a tax write off because you're going to see Ramsey there was an awkward game of telephone the last time you guys came down we didn't film anything but you guys came down to film with uh Mr Ballin and um like the I was filming with the money guy like right before that and they were like oh you know hey George we're friends with George just DM George see if uh they will fly down a plane and pick you up just kind of as a joke so I jokingly text George I was like oh it would be funny we' get this and then you guys hung out with George the next day and George must have told you like Caleb wants a private jet to get here and then Graham came down he's like I can't believe you told Dave you need a private jet to get here that's like just not even how it happened I mean this just yeah private jet though that would be nice does meet Kevin still have a private jet yeah yeah hey meet Kevin come meet me and fly me somewhere I guess I don't know you could ask him you never know but I I think the big thing is getting over your fear yeah two grand get over your fear that's a lot of money though Gram I'm afraid of flying too which was never been the case I think I mentioned this the last time but I started getting these Tik toks of uh planes crashing and I watched one of them and I started getting all the other ones recommended because I watched one and it scared me I'd never been afraid of flying ever but now I I because I've seen that it's burned into my mind like plane's crashing I had to explain it before and it's hard for other people to understand I'm not afraid of flying it's the panic disorder of being stuck in a situation that I can't control and then all of a sudden I'm far away from my place my place of comfort and that's what's kind of hard it's an episode we probably won't release cuz it was really short and it just wasn't the it was okay but we had a dude that was literally afraid to leave his house like a much more extreme version of what I had and I felt so bad for him and the dude took all his effort to come down from Dallas and I was so proud of him for doing that and filming the episode but it's kind of like that it's if you if you You' ever heard of those people's experiences look like that but at a much looser gentle level so okay you I know it's something that just needs to be done it's that overwhelming fear of just actually going and taking the steps to do it yeah if we could help in any way let us know you'll do it eventually yeah cuz I we I would even go on a plane with you if we like open up like buying a ticket for me on the phone you know Google tickets right now I'll get an anxiety poop in five minutes like it'll happen like this is I just get so nervous about it I'd go with you if you want to go to Ramsey Solutions I would 100% go with you I would fly here just to be able to go with you to Nashville I love it there it's interesting being live being live that's nervous easy Dave gives you a little script beforehand kind of going over like here's the bullet points of what we're going to be talking about it's so easy it's 10 minutes it flies by it felt like three and they're not out there like grilling you they're not going to ask you hard-hitting questions I mean these are very like novice level beginner questions that are going to appeal to a mass audience I'm an aggressive word fumbler though that's fine that's that's fine they also have a I believe it's like a 30- second delay so just in case like a naughty word comes out they have a 30C delay where they can I can't say on National radio we're going to keep that in well I say it on the show all the time this is bleeped I mean I think all swear we F uh yeah I know I do want to get there I do want to get there you'll get there eventually but before we go on to anything else we have to talk about the favorite conversational topic that we had last episode getting back on script which was dating oh yeah yeah and uh we I didn't tell Jack any no we hear that you you have a special someone now yeah she I think she's going to stop by at some point um working right now how did you meet that special someone fish shop fish shop yeah she was shopping for some shrimp I was there looking for some puffer fish uh she was there with her sister she was in her scrubs just got off of work thought she was very attractive cuz she is very attractive and I went up to her I was like I like your classes can I have your number did you act what did you say it was something along that line no it was something you went straight for the number I was like hey you're really attractive I was wondering if I can get your number I like your glasses something like that it was something involving glasses it was weird it was weird cuz I just I I shut down I was just so nervous like I was confident I was going up there and then the closer I got I was oh no then the words started coming out of my mouth and I was like what am I doing uh and it worked then we went on a few dates and it's just been good it's actually been really nice cuz some of the hinge dates I've been on like we would have just normal conversations then we'd meet up in person then tell me they're like a fan of the show and I'm like all right so you know like 10 times more about me than I know about you and why didn't you tell me this before that sucks this person had no idea that I was a YouTuber and so still didn't within like a couple dates I think um so what say you did when she would ask media that's usually what I tell people work in video or media yeah but it was it was cool what was her response when you asked for her number she's like oh yeah sure she did it was a little awkward but she gave me her number then I think I typed it down wrong and then confirmed it back to her and had to change a number had to change one of the numbers that was fun like I I went back to her like I started going away and I went wait was it this and it was really awkward and then yeah just texted later that night what was your first text uh can I have my phone wait is she like your girlfriend girlfriend or is she just like you know day girlfriend in non-name like we're definitely girl girlfriend girlfriend boyfriend but uh she wants like a special date for it to be official girlfriend boyfriend type thing I don't know I thought a cute date would be uh 2424 which is's going to be gone so we can't become official on that day so I don't know but yes we are let's find the first how long ago is this that you hit on her for lack of for lack of better uh a week before Thanksgiving really yeah good for you dude yeah and I I really respect the uh the confidence of that she's also made me want to get a Tesla more cuz she has a Tesla Model 3 then I experienced the self-driving which is much better than you said it was last time we talked it's very good all right listen they they've upgraded the firmware a little nicer a little less jerky they trust it a little bit more yeah have you talked much about her no she doesn't uh want to be like name and face and stuff she doesn't really want that I think you should do a financial audit imagine we've made jokes my girlfriend hey I am from the fish shop my name is Caleb thank you for giving me your number I just thought you were incredibly beautiful so I had to ask smiley face what's your name hi I'm blank sorry I was a bit awkward I was focused on the shrimp Emoji Emoji exclamation point emoji 100 emoji wait she sent how many emojis emojis obsessed no she was very flirty I don't get I don't get emojis anymore sent anymore you I think Jack a while ago like the more emojis that are sent the more into you they are if it's lot of emojis yeah and that's why Jack was sending so many emojis and I was like Dude tell him back no Emojis like one every now and then five put one got to note that one of her co-workers and Friends uh disapproves disapproved when going on a few dates there she like showed him a uh showed her a picture of me she was like what are you doing you can do so much better but I think it's gone okay since then but now she found out you have a YouTube channel and she's like oh my God she scored so why was she immediately interested in you I don't know if she was um I don't know if she was she gave you a number I mean you don't do that unless never had my number asked but what would I do in that situation would I panic and just give the number because like oh what do I do generous as well yeah yeah but you know s a few days later maybe just I don't know a physical attraction I don't know maybe just interested in learning about someone who asked your number it's hard to say I haven't asked that question maybe I should ask that question I'm going to ask that question um but then we just got along just really similar interest just we like a lot of the same things uh we have great conversations nothing's ever dull or dry which is really nice um and yeah no it's just it's a great time anytime I here it's a great time that's incredible so do you still have hinge or you're off very deleted I got in trouble for that one what do you mean you got in trouble not in trouble we were in a movie once and uh like I we weren't official we weren't exclusive uh we we didn't have the conversation of exclusivity or anything yet and a hinge notification popped up on my uh watch in the movie saying your most something is updated or something like that like your most likely attraction is updated and went from immediate hand holding to hand went the other way in the middle of a movie and I was like I'm in trouble but we didn't have the conversation did she tell you anything afterwards or did you just delete it and uh I learned like the next day or something that just it just didn't feel good so then we started having the conversation of exclusivity just like you know haven't talked about it didn't really know have you guys had any serious arguments not to You Know Drama bait no no wow no couple discussions discussions but never an argument discussion of just like you know I haven't been in like a long-term relationship and I a very long while so it's was just me readjusting to it making sure prioritizing some things just things that she likes in terms of just like door openings and stuff like that just feeling appreciated just some of those more sit down like hey you know I I would really appreciate this and stuff like that AR door for her that's just one thing that she enjoys it's just one of the Love Languages where she feels really appreciated service access service exactly that's a big one uh so just you know making it known that and that I was less in the giving access service because that's not one of the ways I naturally show I'm more of a wordss of information person in terms of what I give and probably quality time no gift giving I like that as well um you like to receive gifts or you like to give give the gifts but in terms of access service this has been less to something just naturally that I've provided so I was like hey I really appreciate this and this kind of stuff and makes me feel better and more appreciated got it and your favorite things about her her butt we just get along so freaking well I feel like that's kind of hard I've been on so many dates and things click or they don't click but man getting along with someone just so just like that that fit it just feels so nice and it's just so cool and it's just it just makes every timer together every time you're not like oh I got to think of something to say when we go to dinner that's not something I have to think about it's say we just flow so well and that has to easily does she watch your videos now no she refuses to why she says she prefers the gram Stefan main Channel instead yeah she prefers the iced coffee hour uh no she does know who you are okay uh Graham stay fan I believe great it's a tough one very difficult all right I think yeah she watched a couple your videos when she was back in college but no she refuses to she's like she doesn't want to it's still weird for her when I get recognized she's like oh I kind of forget you're like this there's like this other part of just your life cuz it's just you know me and her and like me her my friends and stuff like that it's like that's our life and there's like this whole other part that she's just she doesn't want to be out there she's she's not she doesn't watch YouTube she doesn't watch YouTube That's not how her entertainment so I guess that's one of our differences she's movies shows that kind of stuff she does not open up YouTube you said she was a nurse not nurse she wants she's going back to school to be a physical assistant not not a physical assistant uh physicians assistant Physicians physicians assistant uh so she's doing that she's applying in programs now and she's a some medical assistant right now could she check out my foot yeah that's a weird thing to ask I don't know I feel like you I've been having probably extremely unqualified to look at your look at my foot foot it's just it's very bruised it's you know it's just it's not I'll be honest we're not trying to turn this into like a threepers situation but she can look at your foot that would be that would be I just don't know if I need physical therapy or not that's the main thing Caleb would you want to watch she looks at okay all right we're getting off topic I'm curious uh for you in relationships do you think that couples should share finances or do you think it's better to have separate bank accounts uh marriage wise I think when we're are someone who's never been married I'm very qualified to talk about this now what is your because it's just an opinion at this point no just statistically we know that uh finances are the leading cause of divorce so if we can figure out what our goals are um whatever best works for that relationship whether it's we're we're combined we know where all money is going we're sitting down we're talking about it we see every transaction if that's what works best for that couple then that's what works best as long as it doesn't provide that money issue that is the leading cause of divorce in the uh in the country if what's best for them is being separate but coming back at the end of the month and just discussing where our finances are and what we should tweak then okay if that's what works best for them cool just avoiding that overall financial disaster that leads to divorce but I think think we have seen as far as I understand that combining finances typically leads to a better form of success in terms of meeting overall goals that we're trying to hit financially as a couple have you guys already had that discussion yet the financial discussion nah but we're pretty uh I know she's pretty good at personal finances but too early for that do you think she cares either way if you said you want separate finances that she' disagree with that or do you think she's just easy going whatever is fine no she doesn't know how much I make she's never asked and I've never told her she doesn't know what I'm worth so I don't think she really she doesn't really seem to care about that tell her right now tell her to the camera tell her to the camera how much I make yeah it was a joke it was a joke is it well it varies on a month-to Monon basis she doesn't watch the channel so yeah it was a stupid joke what are your thoughts on universal basic income Not educated enough on the subject to have an informed opinion and it would be irresponsible to give an opinion on something I'm not informed enough about what do you think about giving everyone $1,000 a month as long as it's not my $1,000 go for it what if a small portion of your taxes funded that but you also received $1,000 a month well if it statistically in the end proves to be a better economic system I will go with whatever the better economic system is but I would need to see the results what if you pay in more than you receive again if it shows better economic results for the country and everyone then it works okay if it's proven to do so yeah do it if it's proven that our current system is better than that uh no that's what I would do TR to think weel every way around getting you to answer well I don't know I'm not informed enough about it I don't I I tend to be in favor of it believe it or not okay I I tend to think that Universal basic income would as long as that could eliminate a lot of the other wasteful programs out there I think it's a better idea because from what I've seen it has to go through so many people like there's too many cooks in the kitchen for the government to operate efficiently so it seems like we have so much waste so if we could cut out all the you know a lot of the things that are just wasting money but give every everyone, 1500 a month you know that's what you get 1,500 a month it's up to you to you could budget however you want to but everyone gets it whether you make a billion dollars or nothing Once you turn 17 years old you get 1,500 bucks a month okay I think it be quite interesting to see what happens on that cool I could be wrong I could be terribly wrong maybe gr should run for President we want Andrew Yang on the podcast this is you haven't had Andrew no we we have asked we have been asking for like a year year and a half he's not doing anything Andrew Yang Andrew please I have a feeling we're reaching out to people we're not getting to Andrew Yang we're getting somewhere up the chain Andrew's up here and we're getting halfway through and they're say no and so we're getting cut off before they even know we're interested like the principal that would be Andre Andrew before the podcast Graham told me he'd give you $1,000 a month for the rest of your life if you came on the podcast may not that much maybe not that much but Andrew we could work out a deal to get you on the podcast and Bernie Sanders and AOC these are three huge guests we love to have a discussion with what AOC want to do it I feel like no no she wouldn't want to do 100% would she would have nothing to gain too much to lose for whatever her she wants to do I think Andrew Yang we just talk about Universal basic income Bernie Sanders would be incredible yeah he's basically done with life may as well do it well that's not how we're gonna get him on yeah now our chances went down now yeah all right Caleb is there anything else we should talk about while we have you here as always you guys should have hired me dicks um and and out a piece of um let's see Graham what what do I have a gper about should the minimum wage be increased oh that's interesting um it's interesting I mean in Texas the minimum wage is the federal minimum wage but no one makes the minimum wage and at least in the larger cities unfortunately I I know everyone's going to hate this answer truly it's not a topic I've cared enough about to become informed enough to have a good answer I don't know cuz I have not cared enough this is not one of my interest points that I'm like oh let me study up the cause and effects of minimum wage I've heard some arguments for I've heard some arguments against where do the facts lie I don't know and I want to be where the facts lie but I don't know the facts hey but that's a good answer though no one should have an opinion no one should force themselves to have an opinion based on their ideology what that's why I refuse to subscribe to an ideology because then anytime someone asks for your opinion on something it has to stem from your ideology has to stem to the politician you worshiped that you voted for has to stem for the political party that you subscribed to I hate that wherever reality is and reality changes all the time you're not wrong if you flip-flop because you know new information has come out just be where facts are at the time and if it changes it's okay to change your mind it's okay to change your mind I don't like coming from an ideological place just wherever the facts are and I might not be informed like on that one if there are facts that suggest the minimum wage should be a certain dollar amount I will go for that if it suggests that minimum wage should not exist I will go for that I don't know what it is here's a followup to that what do you think happens when you die I was raised Christian I've become more spiritual in general I TR I TR try to have faith I struggle with it and I feel like when I die I rot in the ground but I want to believe there's something more I want to believe there's something more but I struggle with why do why is it you want to believe something but you don't wouldn't that be if you want to believe something you have the power to to believe it yeah probably but like just I went through like in high school like a very rebellious atheist stage like oh my goodness you know I was raised in the church how dare I need I need to go the complete opposite direction now so um but I mean it's just I don't know I I was raised that way when you're raised away from birth you know you probably just kind of want to believe it instinctively you know they start pushing that on to you when you're like zero this is what I believe forever you know I was there every Sunday and but then like all understanding of just the universe that we have doesn't suggest anything exist so it's just like my logic versus what I want to believe it's it's a big cognitive dissonance so real answer is uh it's I don't know I don't know what happens afterwards but I'm vibing like let's just have a quick death would you say you're happier now than you were in other stages in your life this is say happier I'm happy wish I could fly but I'm happy what are like the main things that are making you happy is the Financial Security a part of that uh I mean no no because I feel less secure now than I ever have but I love running a team every day I love coming here Monday through Friday and I love building something it's so much fun whether than rather than being another Cog in the machine it's so much fun and knowing that it is one of the most rewarding things on a daily monthly annual basis getting the emails and tweets and all whatever of just people who have changed their lives my goodness whether it's coming from a selfish point or selfless point I don't know but getting knowing that you're actually helping people and people have literally changed their lives because of something you're making is like the most rewarding thing ever I mean you've probably felt it it's incredible and it just it brings so so much joy to my life so I think I'm happier now than I ever have been probably when I was an ignorant little toddler running around and making things sticky and stinky I was probably actually H happier but I don't remember that time so in adulthood I'm the happiest I've ever been I think awesome kale thank you so much as a reminder make sure to subscribe to the iced coffee hour we're closing in on a million subscribers my birthday next month Please Subscribe trying to beat them thank you until next time cool I loved it thank you awesome