How To Build Your Credit Score ASAP And Travel For Free | The Credit Shifu

hey credit warriors welcome back to the 67th ever episode of the iced coffee hour i'm the credit shifu aka ben and so far this podcast has made 80 179 wow that was the best one yet i i don't know man it wasn't that good are you serious yeah i'm gonna be and now i'm gonna be completely honest jack wouldn't say that wait a second so we have to address the elephants in the room here what happened to jack what did you just call me [Laughter] wow [Laughter] [Music] well then okay jack unfortunately is not feeling well he wasn't able to make it but temporarily alex is going to be filling in for this episode jack is going to be back for all the remaining episodes but we figured today we're going to have alex on because it's a bonus episode yeah this is a bonus exactly we got a bonus episode out today and this is really exciting because you don't know alex is a huge fan of you no really whoa whoa whoa i wouldn't say huge moderate astronomical i do i do i do enjoy your videos yes and this is a this is actually a really special episode for me too because you're the first person that we've had on that's into the whole credit card game into credit card churning getting free stuff free rewards just basically getting everything at no cost at the expense of the credit cards and your channel i've been watching for probably three years i remember because a long time ago there was this bonus on the ink preferred yeah and i did a video about it and you got it yes because and you made a comment that you got it and i was pleased cause like you were the only person i'd heard of who'd got it because you had to have like a relationship manager or something and uh so yeah that was really cool yes that that's right so the story behind that was uh i watch your videos almost all of them and back then you had posted this promotion i think it was a hundred thousand points for the chase inc and you had to go in person to the chase bank and there was one like 50 feet away from my office so i saw your video immediately went down got the offer and that was equivalent well at the minimum that's worth like a thousand dollars basically right yeah or a thousand two hundred and fifty if we're deemed for travel three travel portal exactly exactly so for me i made twelve hundred and fifty dollars just from an eight minute video that you happen to put out that i happen to watch take advantage of so welcome to the iced coffee hour this is really cool to have you here and i want to know how did you get in the whole credit card game of being able to make money from credit card companies well i guess the the first time i ever did something like this when i lived in the uk right as a student and at that time you there was a student bank account where they would give you an interest-free overdraft of up to like a thousand five hundred british pounds right and that was 2007. and so savings accounts were still paying like six percent so what i did was i overdrew the student account and i put all the bank's money in the saving account and i made six percent off it for like a year right and so i was paying zero interest on the overdraft and getting six bills so that was my first little getting my feet wet into the whole what is possible with uh you know running rings around the banks and playing them at their own game kind of thing uh but then it was after i moved to the us i discovered that uh if you don't have a credit score uh life is pretty hard if you try to rent an apartment or get a cell phone plan or anything like that so i started reading the points guy that was kind of my first intro to it and then i was like you know developing my credit score and i was like whoa we can earn points with this and like fly business class and stuff like that i've always wanted to do that so then i started getting into that aspect of it and then no one was really doing it on youtube so i was just like you know what i could i could do this on youtube so i did and that's basically how it all started yeah that's so where did you start what was the first credit card that you got that you started getting into churning for me i think it was the it was the american express gold card for me and i think at the time did you get a new one the rose gold like the metal one this was back in 2000 uh 11 or 12. yeah okay uh yeah 2012 uh is when i got my first amex card and i think back then it wasn't the 50 000 points i think it was 35 000 points that i got from amex that was the amex gold after that i got the chase sapphire preferred and reserved at the same time got both of those in the days you could have two when they first came out that was the easiest money ever and i think i used those points a buddy of mine got married in hawaii and i used those points to book a plane ticket in hawaii that's cool yeah so my my first card was the chase freedom but it it only came with a little bonus like a hundred and fifty dollars uh then i had my second card like the capital one platinum there's no bonus on it i just got it because they were sending me junk mail for it and i was like i can build my credit score with this so i got it but then i got the chase sapphire reserve with the hundred thousand bonus in 2016 when it just came out and um yeah i think i used that for like the w hotel in taiwan and uh uh yeah a load of other awesome stuff like yeah so that was my first huge bonus tell us about the craziest stuff that you've done with it crazy stuff give them give them give everybody a sense of just like how nuts you could go with this because i think we're underselling just how amazing this whole concept is okay and believe it or not i think that's a great idea because a lot of people even in the finance community don't take advantage of credit cards we hung out with jeremy last night uh financial education jeremy huge into stock investing he told me only has two credit cards oh really yeah so i think i think it's definitely good you know to get people a perspective of what crazy stuff you're doing the issue though with jeremy jeremy makes so much money if he blinks he's losing money when you consider how valuable his time is worth so i gotta say there is a sense of diminishing returns that if you're making millions of dollars a year i think it's a middle class game going yeah going out of your way for an extra you know a few hundred dollars yeah you know it starts you start questioning whether or not it's worth it but i would say anyone making under maybe three four hundred thousand dollars a year this is one of the easiest side hustles to make at least a few hundred extra dollars a month at least at most you'll probably make an extra what thousand two thousand a month like depending on how you redeem these points yeah i mean i don't i don't go as crazy as some people with it and also i always travel with my family which makes it a bit harder to do the sort of really high class redemptions like first class um cathay pacific or something like that yeah emirates but um i worked out just on the sort of major trips that i've done over the last few years it's 23 000 worth of free travel just over the one just on the ones that i can remember and there have been numerous other like weekend trips that i didn't count but uh yeah 23 000 in the last like two years or so yeah wow so what would you recommend for people watching we'll get right into the the how to tutorials on this where to start um so well you got to start by building your credit score because without a credit score you're just not going to be approved for any credit card so normally i say get a starter card like the discover it card is a great one to start with i love that one yeah yeah it's funny really quick side tangent here every time i meet somebody they come up to me like grab guess what guess what and they everyone whips out their wallet they pull out the discovery this is my first credit card my first credit look at look what i got i'm so proud of them i'm like oh that's awesome to discover it not one person has had a single complaint with them yeah because it's great you can get approved with it with basically you know what they call a thin file like you know not um you know you can have some of the bad credit score that they've damaged their credit score through missed payments but someone who just has no credit score because they don't have any information normally they approve you easy for the discover um it and it's a great opportunity to have your first credit card that actually earns rewards and they do first-year cashback match so you earn double cashback in the first year so uh yeah it's an awesome card definitely recommend it and then get another card like don't stop at that you want to get like maybe three four cards in your first six months because the more on-time payments reported each month the faster your credit score will grow and you can literally be at 700 within like uh three to six months if you do it right yep um but then at the start your first five you want to make sure some of those are chase cards because of the old 524 rule which uh i'm sure you know about it but like if you uh have opened more than five credit cards in the last 24 months you can't open any chase cards chase won't approve you for a card so at least maybe one or two of your first five should be chase cards if you're starting now you could get the sapphire preferred which has a hundred thousand point bonus you might as well it's free money right yep um you might wanna get that for maybe your third card because you wanna build your credit score a little bit first uh another good tip is when your credit score is approaching around 700 uh amex cards actually give quite high limits yeah that's something i always recommend because if you can get a card i remember i had cards with like two thousand dollar limit that kind of thing chase freedom and then i was approaching 700 and i applied for a hilton card from amex and it was like boom ten thousand dollar limit i was like whoa this is this is cool and then after that happened i was never denied another card after that so yeah it's pretty cool basically you know they see that you've got other credit cards that are ten thousand dollars normally they'll easily approve you for whatever you apply for got it what about for the people that say that they don't spend four thousand dollars in three months so they're afraid that they're not gonna be able to meet the minimum spend because that's the one caveat to some of these cards is they say in order to be eligible for the hundred thousand points you have to spend three four or five thousand dollars in the first three months otherwise you don't get it what i would say is well one way of doing it is that you could go for slightly lower tier cards that you know maybe the bonus isn't as much but you only have to spend say 500 or a thousand like particularly people who are like students or you know who don't really have a full-time job would struggle but you can also look for other ways of paying um certain charges with the card that you wouldn't normally you know like for example you might be able to pay your student um tuition with a credit card normally they'll charge a fee so only pay just the amount that is needed to get over the bonus because you don't want that fee to be too too much but if you say have to pay a three hundred dollar fee but you're getting a hundred thousand points which is worth one thousand two hundred fifty dollars through the chase travel portal uh you minus three hundred you're still nine hundred and fifty dollars in profit so paying things like that um or you could get a credit card just before you're about to book a big vacation that's gonna you know cost you a few thousand uh you can kind of think of it like that yeah that's what i used to do is uh when i was renovating properties i'd purposely delay uh getting a credit card until i knew i had to make all these big payments and usually what i'd i do because i would pay a contractor uh i would just tell them go and use my credit card when you're going and paying for materials that's it and and i would tell them just go and charge the four thousand dollars on this anything else you know i'll just i'll pay you directly but uh just charge this and uh during one renovation this was 2016 when the chase sapphire reserve came out the chase sapphire preferred i think at the same time i got the amex platinum and all of those i was just like minimum spending today minimum spending day minimalism because i was gonna spend the money anyway so my thinking was i may as well just get all of these cards i didn't want it to go to waste and i think within those three cards i was able to get i think i got eighty thousand for the platinum eighty thousand points uh a hundred thousand for the chase sapphire uh reserve i don't remember what the preferred was it was either fifty thousand or seventy five thousand points back then and i just loaded up and that that to me i still still have this point i've not i i've become a point hoarder but first i want to thank our sponsor attitude the truth about the betting aisle at your local store is that most pillowcases duvets and sheets are actually made out of cotton and unfortunately cotton is actually one of the most damaging fabrics to our planet and i love trying to protect the planet anywhere i can i mean we have so many cool things to appreciate like legos cats camera equipment and good nights of sleep alex i think you're the only one that thinks those are cool except for the good night of sleep of course and that is exactly why i actually recently switched to edited sheets which are made from 100 organic bamboo that means they save 500 times more water than cotton and produce 52 percent less carbon emissions but seriously guys it's been a struggle of mine i usually sleep very hot but ever since i switched to my edited sheets they help regulate my temperature like no other sheet i've ever used and my nights of sleep have been so much better ever since i started using etitude so trust me guys you will absolutely love these sheets and have the best night of sleep in your life when you go to edittube.com iced coffee for 20 off your order and free shipping and don't forget to use promo code iced coffee at checkout remember guys that is attitude as an eco attitude and don't forget to use the promo code iced coffee at etitude.com iced coffee thank you so much attitude for sponsoring this episode and back to the podcast because it's like right now really where is there to travel yeah just starting right now yeah exactly so i think in the next year or so then i could start using these points yeah uh but i also want to get to a million points in my account so i could physically see one million points that's cool yeah yeah then i could spend it yeah i think right now total i'm at like eight hundred and fifty nine hundred thousand yeah that's cool so i just need another credit card on amex no no this is chase okay no i think actually if we combine them i'm over a million points okay because amex i think is like 500 000 points chase is eight nine hundred thousand yeah yeah so yeah nice man that's cool you gotta tell me where i could go with that oh what i could do with this there's loads of you know emirates first class maybe really wait with chase let me just think about it let's see which is let's say i have 800 000 points with chase oh you could do i mean you can go to europe uh business this is what i do normally i go to europe every christmas right i got a business class the new british airways club suite has a closing door and that's 50 000 points or at christmas maybe 60 000 points so you go to europe business class or first class probably like 80 000. no one way are you serious yeah yeah one way 80 000 points one way per person yeah but don't fly directly to the uk flight of light if you fly to spain the taxes and fees are way cheaper uk hits you with this crazy air text wait explain explain this i'm yeah this is great because there's a lot of little things like this in the credit card game that catch people out yeah um basically different countries have different like rules amount around like the taxes on the ticket and stuff so if i book a business class ticket to the uk which i often do because i just travel with my family it's most convenient so i actually absorb the extra cost but um you might pay 800 in fees so you're basically paying for an economy class ticket and then you're like upgrading with the points to get business class why is that do they do they tax you on the retail value of the ticket is that how it is it's yeah it's just the way i think they have higher taxes on fuel like fuel duty and it's just the way it's done i don't know it's it's a little bit of a mystery but but if you put the same ticket going to like portugal or spain something like that you will probably pay like 80 in fees and 50 000 points in business class wow and then when you're in let's let's say portugal then what do you did you book your ticket then yeah if you wanted to go to uk you would just have to transfer there and you would get higher taxes on that really short flight because it's only a short flight that taxes will be like 40 or something like that wow it's a little hack you know yeah sometimes you've got to really think out the box because the the airlines don't want you to redeem for maximum value they want lower value right so you've got to kind of play the game and that's really interesting i had no idea so you're saying 80 000 points business class what about like i was one way would be 50 to 60 thousand okay europe uh first class maybe he's talking like eighty to a hundred thousand depending on the airline one way to go to europe so yeah so for me and macy to go that would be four hundred thousand points yeah first class round trip for two people so you could do it wow yeah random question have you ever been to an airport lounge yes all the time i think i sent you a lounge yeah all the time no yeah all the time no because yeah like he told me he's never flown like business or anything never flown because you haven't flown businesses never business or first class but i i would go to um canada to see family okay and uh every time i go up there i would purposely go to the airport a little bit early so i could hang out in the lounge eat the food and even by the way if i'm in a rush i would go into the lounge get the food to go and then just eat it and that and that's my meal uh the one time we're all flying to utah to visit the strad man and we get to the lounge there and they're closed because of uh because of covid but they're basically just handing out meals okay so we go there and i just get enough for all of us it was it was really nice yeah yeah yeah but i've been to all the lounges centurion is amazing uh my favorite was i think it was dallas the centurion lounge in dallas if you you could book a massage there a free complimentary 15-minute massage with the credit card for free wow that's awesome you know i i had the opportunity to do that in the british airways lounge one time but my wife was very slow in packing the case and uh we ended up getting to the airport like just in time for the flight so we both missed the free massage okay yeah it was kind of annoying but um there are some really awesome lounges i think the best one i've been to is the club in taipei because i used to go to taiwan a lot and this was uh i i had the status with the airline not through credit cards just because i built i'd flown so many times that uh i'd built up like um star alliance silver and stuff like that and uh yeah you could go this lounge that was not in any priority pass or anything yeah and uh yeah it's a really classy lounge who goes to this line like do you ever walk and you're like oh my god that's rod stewart like crazy stuff like that i've never seen anyone famous actually really no other people have i've seen videos where like someone bumped into like wesley snipes or something oh my god like walking in be like tom hanks just chilling in the corner you know eating his meal yeah i know every time i walk in because because now the at least with priority pass it's everyone has it so priority pass is really crowded when i first started going it was 2016. it i felt like i was bawling like i would walk in there wasn't that many people i remember getting a snack for the first time ever being blown away but now you walk in there's a line to get in all the seats are taken the food is half eaten they've really done the bare minimum just to maintain priority pass and now what is it they started charging if you bring beyond like one guest yeah the sapphire reserve used to give you unlimited guests i took like six people in yeah yeah i worked out it would have cost like 250 bucks right but then they limited it to two yeah and i think the amex platinum is going to start charging for guests in centurion lounges starting next year or 2023 i can't remember i believe it they should allow you one guess though they should one guest for free i think that what they want you to do is get the authorized user card for your guests do you worry right now that credit cards are catching on to this because i feel like just with with the the explosion of popularity of personal finance the credit cards are knowing like hey too many people are taking advantage of us right now we got to downgrade these offers and make it more expensive no i think i mean it comes in cycles and actually some people who are in the industry have also mentioned this to me as well it's like it always there's always gonna be devaluations but then there's always gonna be new amazing offers coming out so like back in 2016 we saw the sapphire reserve hundred thousand yeah and then for a long time we didn't see any hundred thousand point offer from chase and then we had kovid where everything just shut down the credit cards were like not really wanting to apply you know to bring in new people even cutting limits and stuff and now we're kind of in a new golden age of huge sign up bonuses both amex and chase um yeah not city i don't know why city doesn't give any huge bonuses but um mx and chase are like you know they're even on their earnings call their amex talking about yeah we're really going hard on custom acquisition in 2021 so yeah why is that do you think it's because you're just they want to compete with chase and chase wants to be with amex i think yeah i think there's kind of a battle going on between amex and chase right now because they are the two biggest well actually no not the biggest i think city actually issues more cards but that's because they have like costco and american airlines and stuff but um yeah amex and chase are definitely battling you know for domination of of the whole space got it what do you think the best offers are right now best offers undoubtedly is going to be the 100 000 on the sapphire preferred my hack for that though is that if you want the sapphire reserve so you get the lounge axe and everything lounge access and everything you apply for the preferred first get the hundred thousand points and then after a year upgrade to the reserve um now when you upgrade are you still eligible for the sign up bonus on the reserve yeah so you can you can oh sorry no so what you can do you can get the bonus on the preferred so you have that hundred thousand in your account once you've upgraded to the reserve if you've kept those points for a whole year once you have the reserve the points are going to be worth more they're going to be worth 1.5 cents a point instead of uh 1.25 so you get a thousand five hundred dollars in value instead of one thousand two hundred fifty dollars in value but first i wanna thank our sponsor ladder really quick i wanna talk about the things that fundamentally change the 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protect you and your family choose the latter go to ladderlife.com iced coffee today to see if you are instantly approved that's ladderlife.com iced coffee you mean l-a-d-d-e-r-life.com iced coffee ladderlife.com iced coffee thank you so much ladder for sponsoring this episode and back to the podcast you'd have to keep them for a whole year but um yeah the real reason is so that like the reserve is just a better card right now the stuff i preferred it only gives you two points per dollar on travel and dining it's actually not even it's not that great to be honest but you wouldn't get the signup bonus on the reserve with an upgrade so you're missing out on the sign up bonus but the santa bonus on the reserve is only 60 000 and you're only allowed one sapphire at a time so you couldn't get the preferred first and then apply for the reserve you'd have to wait four years and close your preferred yeah because there's like a one sapphire rule and stuff so my kind of hack is if you want the reserve get the preferred first get the huge bonus they allow you to upgrade after one year and then you don't get a bonus when you upgrade but the points take on better value got it yeah see back when i was doing this it was just unlimited it's you you want the cards go and take the cards get the bonuses yeah yeah that was uh but you know each period has its own like hacks and and little things that yeah yeah it's amazing that you've that you've turned this into a business what were you doing before this so i i came to new york in 2011 and i was actually i was working at ntd tv which is uh at that time i don't know if shaw's is anymore but at that time it was a non-profit tv station specializing in broadcasting uncensored news to china this is gonna be a random story like so i was born in hong kong so and my major in college is chinese language so after i graduated i got this job um at this non-profit and yeah so that was why i came to new york and through that i became i have a show um la why can't jungkook is uh it's a chinese language show and it's a very pop it's got like 700 000 subscribers on youtube and uh in 2014 i think by search volume i was the number three internet celebrity in taiwan no way it's like super random right if you search my name ben hedges on youtube you can find the channel but yeah super random um but i was really there because i wanted to do something and i met my wife there she was working there so her family had been persecuted in china uh by the communist regime there her family you know her parents they practiced falun gong which is a buddhist meditation practice and they were actually put in forced labor camps in china for um for their belief you know and this practice it's like a peaceful practice like meditation like it shouldn't be persecuted in any normal country you know um but when she turned 18 and they had been released then but when she turned 18 they basically gave her all the evidence of what happened to them and sent her to the us and uh the u.s was like yeah sure you can stay you know they gave her asylum right and her family's all right they're relatively safe now like it's like not a super bad situation for them anymore but um yeah so i met my wife there and then i forgot the question what was the question how did you turn this into a business okay yeah yeah so we're getting to that so like yeah so after i had you know i'd worked at this nonprofit for uh like five years or so and you know i'd kind of done some good stuff but i hadn't really earned uh any money you know because well i was earning money but it's not like you know it's a non-profit so you can imagine it's not like a huge like six-figure job or anything like that so i was like okay what shall i do and this is when we're having our first baby so i was like what shall i do well why don't i try to do some youtube stuff because i'd already done one channel for them and got 700 000 subscribers so me and another guy we were like okay let's do it on our own and our first channel was uh generation tech which is now one of the biggest star wars channels on youtube it's got i think it's at 650 000 subs right now really so yeah and people sometimes comment they're like they'll find one of my star wars videos and they'll be like oh hey credit shifu is super random wow yeah yeah so if you want to i do star trek stuff as well i was a super like star trek nerd when i was in my early teens so i've kind of milked that knowledge uh so if you search like um enterprise uh uss enterprise uh you know 10 floors or uss enterprise 10 features like all those videos will come up so um yeah if you want to brush up wow no idea okay so yeah and then at the same time i started credit shifu and creditship was originally kind of the side channel because i was doing like star wars and star trek content full-time but i was a little bit tired of it so that was when i started concentrating more on credit shift we're to try and get it bigger and then we started working as a you know affiliate with um credit card companies to you know in addition to adsense we can now have um sign people up for credit cards and get commission and uh we can have weeble they can probably get two free stocks below with weibull right or public or public it's worth all the way [Music] and if you sign up using the code graham oh you know what that offer might expire because it expires july 12th you know what we want to try to keep it going uh if the offer is down below you have to do it before it expires the current offer expires july 12th so if this if you're watching this after then the offer is expired but there might be another one that the trick is you have to do it before the offer expires to see what people's numbers are are you able to share any numbers with us you know in regards to to the revenue that these channels we can yeah um my business partner he's a little bit more private than me he doesn't like going super in depth but uh what i can uh let me think about it so so we could do you know what how about this if you could show what you're making on the credit shifu channel that's not very much and then but but then we could i can tell you for some others of all the others so that way we don't exactly know what which channel is which what i can say is some of our channels make as much as the average household income of the us in one month annual yeah the average annual household income how how does how is that channel able to generate so much where does that come from that's just from youtube ads that's just from sheer volume yeah how many views does this channel get to be able to do that that's a lot i mean it's not yeah so it's not a it's my phone it's not a finance channel yeah so it has a lower cpm you know like we get 10 dollars i think i'm even up to like 13 now on my cpm but um this channel it's like can i can i see it yeah yeah yeah yeah let's look all right so real time was that great consist consistent and that's not even you know normally yeah at the end of the year december is the best month who and i can show you guys i mean i want to see the credit how much it earns okay so yeah this is the credit shift but we our views are way low but i'd say because you know it's so niche all right that's the last 28 days all right still i mean listen sixty one hundred dollars in 28 days it's not that good but still but a lot of the income comes from affiliates oh i see here 000 views 48 hours it's not much it's the views yeah the views are low but the scene you know what why is so niche what no no no my credit card videos pay the most of anything you know why because your videos are too short and you're not putting hold on let me let me look at this video here we'll analyze this and by the way we have a full-on youtube creator academy down below in the description that uh that i'll do 200 off wow 200 off that teaches you all of the ins and out but let's see if we can get your income up okay and this is all stuff we cover on the program too but so you got this video the city trifecta explained 2021 update okay fine uh we'll just look into this i'm gonna go to monetization where's monetization on is it eight minutes look at that this is why you're not making enough money no mid-rolls only two mid rolls on an 11 minute video you could do how many would you do yeah so uh basically i'll do three up to 10 to 11 minutes if it's over 13 minutes i will do a fourth if it's over 17 i'll do a fifth basically one every three minutes or so is about the sweet spot because uh you because sorry because the ads won't show for everybody so sometimes they err on the side of caution so you could put four ads in there but people might only see two that's true so the more ads you put the more you the more chances you have that the ad is going to display so that is one thing so if you put a third ad in every video over eight minutes long your income will increase about 15 to 20 percent okay overnight that's a good tip overnight so you're making an extra through the back catalog yes so what i would do is sort through the videos that are the most viewed every uh over 60 minutes 48 hours and just put ads in this i wouldn't bother with all the other ones but my big thing about this channel in particular because on our um what's it called on our other channels like our star wars channel we can bring in millions like we'll regularly be doing maybe 300 000 views over 48 hours or 500 000 years but this one is very low and i think it's because it's so niche so i've i've had a plan to kind of expand into more entertainment based finance content and i'm probably going to do it on a second channel what is your um suggestion or recommendation for that well first one like i said put mid rolls in these videos so you'll make an extra 20 the other thing before we go into that is that some of these videos are only five minutes long if you could find a way to stretch that to eight that way you'll get mid rolls in those videos so that would probably double or triple your income on those videos by taking it from five to eight minutes find a way just the last three minutes to give something else add on some extra content some bonus content uh some of these videos like three minutes don't bother but if it's five you can get it to eight if it's four probably just keep it four yeah so uh as far as starting at another channel if it's different enough sure but if you're going to be talking about credit cards personal finance you might be able to just do it on this channel probably stop recording problem the problem i've had with this channel is uh oh yeah stop recording i did this video a while back uh which metal credit cards are bulletproof right and i spent so much time like locating this private like 80 acres of land to go and shoot on and calling up friends who have different types of weapons you know to do it and it only got 10 000 views and my feeling is that it's because a lot of people they come to this channel for information rather than entertainment no i just think it was i just think a niche topic to begin with i think you could post that on on a huge channel and just people wouldn't they wouldn't watch it unless you're like a mr beast where it's like how many credit cards can you stack to stop a bullet yeah yeah then i would watch that uh i did a video on the main channel this is my video you did right yeah with the flamethrower yep did it get views nope worst performing video on my my channel in like years so as some context here i unboxed the jpmorgan reserve credit card and this was my most viewed video ever at the time on my channel by like tenfold and i figured okay just unbox this video they're gonna be retargeting the same audience what else could i do with the credit card well i could burn it with a flamethrower and so i wanted to test how easy can you destroy this credit card with like an axe with a flamethrower with all these other things i destroyed all my credit cards and at the end i even called the customer service lineups like hey my credit card is damaged i get a new one they sent me a new one but yeah the video bombed people hated the video they're like what is this i didn't subscribe to this this is stupid some people didn't get the joke uh some people were upset at me because they thought i was being serious when i'm talking about like i don't like debt we're gonna burn all my credit cards they're like graham i just got a credit card i just got one and now you're saying it's bad why would you do this why would you do this to me great it's like that's a joke but yeah i just don't think you have to go to such extremes yeah that if you're stacking 100 credit cards or stopping a bullet maybe that would have a chance or or the title i would say too like if i read a title and it says which credit card is bulletproof i don't really care but if you oppose it as this is the bulletproof credit card or this credit card is bulletproof i may be more likely to click yeah yeah but that's just me stopping you got to do stopping a bullet with credit there you go like yeah how many credit cards stop a bullet yeah how many credit cards to stop a bullet something like that and you just got to keep stacking credit cards with the slo-mo cam you know shooting and and i don't know like a thousand frames a second or something like that and you see the bullet just like ricocheting yeah you got to do something like that cool but yeah i don't think it was it it wasn't the channel so speaker tips of you want to pivot into finance you said or not pivot you want to add finance related content yeah yeah go ahead i'm assuming you don't really talk about this much on your channel but what do your investments look like um so right now uh yeah you'll be interested in this actually so right now basically i have used the stock market to get down payments for properties so first i bought my own house i grew my portfolio i took one in new york in new york state yeah upstate new york so i bought my own house and then i my stock market portfolio went down to like five grand right and then i invested a load of money during the pandemic like the march 23rd uh bottom right pretty much the two weeks either side of that i was just plowing thousands and thousands into the market and i made like a lot of money right so then i pulled out like i don't know like 35 or something and i went and bought this piece of land in upstate new york and i'm gonna do i'm currently working with a builder and we're gonna build a luxury airbnb cabin as an investment property for rich people from new york city to come and you know have a vacation in and so yeah that's and then i've still got a stock portfolio which is growing you know and that kind of thing so yeah but also the cabin it's going to be it's kind of a cool thing for youtube videos as well because you can do like you know you can do people love those videos so anything involving real estate it's buying the real estate renovating their real estate then doing a house tour yeah that that video did really well actually i did a land tour right wow how did that do and yeah i mean i put it on my second channel which only had like 10 000 subs and it got over 10 000 views wow uh which is you know it's a modest figure but for a channel that's small it's actually really good you know um but yeah and you can use tricks like putting you know the amount of money i put like 20 i just spent 28 000 on land it's not even that much but people just like seeing you know figure big figures like right stuff like that so yeah that was cool so we're like almost about to start building uh on that piece of land cool and it's gonna be luxury it's gonna have a hot tub it's gonna have a sauna it's gonna have um yeah all sorts of cool stuff yeah that's exciting yeah the threshold now unfortunately on youtube is so high so it used to be like you spent ten thousand dollars on a stock and you would blow it then it became a hundred thousand but now everybody investing a hundred thousand dollars in stock so now it's got to be 500 000 500 seriously jeremy's latest video was 500 000 in a single stock wow and that's that's now the new the new tier and pretty soon it's gonna be a million i did a hundred thousand dollars with a stock picking monkey no one cared oh so no one cared no one watched it how was that threshold it's up it's up the video was what's good no no no the video the video bombs uh because everyone's like 100k this is what it like on youtube you work really hard on something you think is going to be really good and it's totally bombs it's the same thing with real estate now too you have uh ns out there now 20 million dollar house tour you know so so you know great oh yeah now there's that house tour that producer michael did right you're competing with that it's like 500 yeah i know no a billion a 500 500 uh 500 million that was the listing price but yeah it's getting insane out there so yeah so i have my monkey portfolio pulled up here and i'm screen recording for you nice so so far the monkey portfolio has made 18.97 since i made that video that was back in december so i made almost 20 in six months the number one performing stock in this account was ford up almost 70 percent i bought ford when it was like seven dollars it's a new bronco yeah it's bringing fort up and uh and the electric mustang and the electric mustang yeah surprisingly i didn't i'm not a fan of the electric mustang but people are buying up the bronco on order yeah all right so anyway we got invitation homes up 35 percent together nice ihs market limited 30 percent blackrock this is a big one 20. six percent a line technology they do invisalign 16 republic services this is one i liked a lot republic services they take out our trash here they're a big they're waste management and i believe they also pay a dividend uh and you got to think trash collection's not going away that's a recession-proof business and you and you look at their chart i mean it's just consistently unfortunately we're throwing away more stuff so i think at some point there's got to be i think people are going to be more eco-friendly and conscious of stuff like that they're going to pivot and they'll pivot too but uh anyway uh cerner corporation up three percent the one i thought was gonna do the best this one led the way up until february was tesla now uh only up two percent and then the losers netflix is down and annelle americas which is uh uh energy i believe in south america okay that's down seven percent but overall i got a 20 return with a monkey you know i mean it really goes to show you right now i think uh so many people are in the stock market today and they think they are geniuses and we call them i mean i'm not gonna and they all started in march last year so two things um speaking of that we have the same people back uh uh from 2008 that have only been investing since like 2009 let's just say and people before covid were like oh you've only invested in 2009 about we've only just seen a bull market and then now we're seeing the same people you've only been investing since march so it's always that next thing but we call them i i'm not going to paint names i'm not going to mention any names here but we call them uh cheerleaders yeah because really there's there's zero due diligence there's zero analysis that's going on stock it's just guys we gotta stay strong we gotta keep buying and meanwhile it's like tanking tank guys we gotta buy more this is our chance we're gonna make a lot of money right it's not even just me it's it's everything and it's insane and it's just the lower the price goes the more hypey they get and there's again there's no analysis yeah nothing it's just it's gonna go to the moon we gotta keep buying it we gotta keep holding it they all have a name for like their followers and it's just we're gonna buy this stock we're gonna keep buying and we'll see what happens on that but it's it's a scary time where like that that's the new breed of investor and i'm sure warren buffett would say the same thing about like wall street bets like it's a scary time for this new investors investing on robin hood commission free trade so i you know maybe maybe you now we're the we're the old people yeah i think with wall street bets it's like it's cool to read it and i've invented i made a good money on amc you know i but i only do it with small amounts of them like i put in like a thousand back in january and i took out like three or four thousand paper hands you paper hands maybe you should cut that because everyone's gonna hate me but yeah i can't believe it yeah are you still holding no no i i don't own any amc but and that's the thing that is shocking to me that that especially when someone gets in and they get out with a profit and they've made a 500 a thousand percent return on your money you know it's a problem when people like you paper-handed yeah what's it's like shameful that you made a thousand percent return on your money like that's like you you did everyone dirty it's insane it's like the purpose of investing is to make money you should be commending these people who have sold some of these things and it's like no it's like it's backwards it doesn't make any sense to me so we'll see if this sticks around long term i don't think it will but yeah i don't think i can i think like gamestop was probably the sort of biggest example of it i suspect that could be the biggest example of it we're ever going to see because i don't think amc well i don't know it probably will now but i don't think it's going to go that much higher because i feel like the the wall street people are kind of doing some stuff behind the scenes i'm going to tell you i personally again we could look back at this and maybe i could be wrong i personally don't think it's going to go much above where it is maybe just by like 10 bucks or something like that i would be shocked to see it in a hundred and that's been the threshold my thinking is that uh and i think this is just human psychology uh people only have a certain amount of patience to hold this stock and i think if it's gonna hold out like this for much longer people are gonna say it's not doing anything let me go and move it into uh build a bear or like we know something else instead i'm in that too and it's uh just a little i think it's slowly gonna just let some of the air out of the uh balloon yeah that's what i think is gonna happen i think if in a perf in under perfect conditions maybe this thing but i just think there's not enough people out there going to buy it and hold it and and and now i bet there's going to be people oh graham's a shill it's a wall street shell because people call me a shell for talking about this stuff because i'm like being honest i i just i don't see it and i i know we make jokes about jack being paper-handed but he made 1300 or whatever jack turned a hundred dollars into 13 thousand dollars and he sold and it's dogecoin that's great i've been telling him to sell that that thing hit 30 cents as like sell sell sell 50 cents sell i've just been sell the whole the whole time and uh jack happened to sell at the perfect time right before snl oh before us right before snl i wish i could have sold like i i was holding it that day and i was like shall i sell before shall i sell after and i i knew it could go either way you know and then i was watching it and elon wasn't really doing anything you know and i was like all right i'll try and sell and then robin hood which i was holding i don't normally use robin hood but for dogecoin i was using it and it was like not allowing you to sell and i ended up selling at like 50. yeah so the problem with that um my theory with that is that right you know robin hood is really just it everything is really done within that platform so when they have so many sell orders coming in at the same time but they don't have enough the equivalent of buy orders they can't fill those orders so either what happens is that you have people who are like buyers let's say at 20 cents then you have all these orders filling in at 20 cents from people who are willing to sell at any price the buyers are willing to pay like 10 or 20 cents it would crash the price just on robinhood whereas meanwhile all the other platforms would be a neutral price so they had to maintain the price in line with everybody else but it's just a wild thing but yeah jack jack got in really well on that one and i i i'm proud of him for and i didn't think he was gonna do it because he was like i'm diamond hands and diamond hands but you know what i mean when there's 13 000 on the line all profit i think he made the smart move that's uh yeah that's similar to well nowhere near as good but my best result has been with was with tesla i got a thousand percent yeah return on that same yeah you did right yeah i think a lot of us did uh meet kevin i went to his seminar in new york two years ago and he was talking about buying it at like 180 yep pre-split price you know i think i bought it i i still have two shares of it because i just sold i sold most of it most of that was my 28 000 land purchase was from tesla but um yeah i've got like two shares now and my cost basis is forty dollars yeah and the stock price is six hundred dollars so yeah it's pretty cool that's about the same as me um bought tesla back when it was 240 250 free split um so would that be like 50 bucks around there around 50 unfortunately i sold half when it hit 900. and for a brief moment i was a genius because it hit 900 i sold and the next day it started dropping and it dropped all the way down to like 400. and i was like i made out like a bandit but then it kept going up and i just i i missed that opportunity to buy but i did i did put in a big chunk right before they announced the split oh and you made a nice little gain yeah and i still hold all of it so my my theory is now i'm not going to sell something unless i need the money because every time i've sold something when i didn't need the money because i think the price is going up you know too high even if it drops in the short term that the psychology the fact that i sold just makes me less likely to buy yeah um so i just hold it's the whole uh intelligent investor thing anyway isn't it goes back to all that it's like just buy and hold can sometimes be far better and also if you sell under a year of holding you have to pay higher taxes yeah you know what would be really fun to do right now you should review alex's wallet oh yeah and let us know what you think about it and you know what even more exciting we're gonna make this eclipse channel exclusive whoa yeah so we have a link to the clips channel down below in the description it's brand new go ahead and subscribe to that this is only going to be available on there so again it's in the description and uh let's get into it so i heard of a amex platinum hack i'm not sure if i heard this from you i don't think so i think it was another random channel that popped up so uh last year i think it was around like august september uh i realized with my mx platinum that like i am just not using it at all i don't use it to charge anything because the amex gold is better for points i'm not traveling there's no point in me spending 550 a year so this guy i saw i saw his video says you could get uh 50 000 points for free on the amex platinum just by saying you're gonna cancel the card so i went through his youtube video yeah i did so i went through his youtube video perfectly so what you have to do he wanted me to uh uh go to the go online and talk to one of their like the little chat people and i said hey i'd like to cancel the card they then respond back with but let me tell you all the amazing things about this card that maybe you didn't know about to make it worth it they run through all of that yeah i know i still want to cancel the card oh what about the all this other stuff no i still want to cancel the card oh so uh if i'm understanding you correctly you want to cancel the card i'm like yeah i'll cancel the card it's just not worth it to me and then you have to say is there anything that you could do to retain my business because i think if you just say like you just cancel they'll be all right i'll cancel but you have to say is there anything that you could do for me let me let me get back to you let me get and then they come back to you like five minutes later we're able to offer you at least it seems like this is the the go-to we're able to offer you 50 000 points if you don't cancel and just keep the card an extra year so i figured uh you know 50 000 points i could probably get that 700 you know 800 worth of value transferring it to an airline so i would pay 550 for eight hundred dollars fair so that's what i did i'm keeping the card yep and uh and uh i i'm probably just gonna cancel the card uh it's september yeah after yeah i think this year september it'll be a year retention offers are a great way but wait a minute how do you get into the centurion lounge i don't mean barely travel oh yeah yeah i barely travel i mean but yeah retention offers a great i did a retention offer on the old spg card which then turned into the marriott bon voyage yeah i got that card too you got the card too right and i got 25 no 30 000 points i forget where i used i think it was uh gosh i used it many years ago but yeah spg used to be like the best you know hotel system and it's a little bit devalued now it's part of marriott but yeah i got a retention offer for 7 000 spg points which is worth 21 000 marriott points yeah just by calling up and saying hey i'm thinking of cancelling and just directly saying are there any retention offers available because literally depending on how good a customer you are they will have certain set offers that they can offer you so they'll go off and do something on the computer and then come back so i don't know maybe if you let them do the whole spiel first it might do something i don't know i uh the way i've always done it is just phoning up i'm just very direct i say you know are there any retention offers you could offer me you know and that's it yeah yeah i know i i gave him the whole the whole run around on that that's cool but yeah so i might do that with my child schwab plant them because the uh the points are going to devalue wait a second that's what i should get the char platinum you could but the points are devaluing they're going down from 1.25 percent 1.25 cents per point to 1.1 99 certain it's happening september but isn't that still better than me paying 550 a year for the normal platinum yeah you could actually uh cancel your platinum and then apply for the charge to our planet because it's considered a separate product so you can still get the bonus and i could still go to the lounge and you could still go to the lounge now for the charles schwab platinum it's it's free right or what's what's the dollar amount that you have to if you have uh well the the fee is 550 yes but if you have over 250 000 with schwab yeah you get 100 off and if you have over 1 million with schwab you get 200 off is there anything above a million or is this 200 off um the the highest is 200 i thought it was free i thought it was like for every million you have with them it's like you know 100 off or something like that that would be great yeah you could be paying 350. do you know if there's a way that if you could call them and be like hey good customer swap can you just give me this card do you know if there's a win i don't think so yeah i don't think so dave hansen was asking about this too really yeah yeah gosh are there any do you know of any offers for like uh like like you know big big spenders big ballers out there who have like you know cash in the bank yeah like bram and jack yeah they spend so much money what can you know i can actually research this and come back to you a really good offer in the past used to be the alliant credit union uh card yeah my friend he got this and basically it gives unlimited 2.5 cashback on everything and then for the first year it was three percent and it was it was specifically for high spenders so a friend of mine he got it and he went and bought a red cinema camera that's like 50 grand or something and he got three percent cash back on it so but actually they've been or you can just use the credit card yeah if you've got the character credit card it's probably right it's pretty good for yeah um you should be getting the centurion soon right maybe getting an invite i wouldn't do it you wouldn't do it i wouldn't do it so it's a so for those that aren't aware yeah actually i i watched your video on this did you made a video on the yeah the new one what is it it's a 10 000 initiation right and then every year it was five grand a year after that so like up front you're spending fifteen thousand dollars up front to get the amex black card now i was thinking okay if it's five grand i can make a video on it and like worst case i'll make the money back it'll be break even for the first year i can't justify 50 like i know 15. best case scenario the video makes like seven grand best case and that's if the video gets like 500 000 views does well i'm not gonna spend seven thousand on a card that i'm not going to use that that isn't that good but it's not yeah it's i mean i don't know it's just not a good card uh the one thing that i was thinking uh they offer you a free equinox or what does it do 200 and something dollars off your equinox membership yeah it only adds up to like a thousand or two a year right it's like yeah it's like twenty four hundred dollars a year not worth it i don't go to equinox you get access to the private suite at lax you know about that oh yeah i do i i how often do i travel with lax yeah exactly yeah so it's really just something you pull out to be like i wasted a whole bunch of money on this card yeah it's really bad they may have a new one coming out we don't know but above platinum they should talk a bit yeah they should people think it's going to be called the optio card because that was the rank below centurion the roman army i really don't think it's going to be called that but uh that's what people are kind of calling and it would have a fee of a thousand five hundred in theory so if i if that comes out i'm gonna get it yeah you know what i think they should make more high-end credit cards because right now the chase sapphire and the amex platinum i think are pretty much like the same level they're basically equal but there's nothing else between that and like the jp morgan reserve or the amex intern this there's not it's it's either you have 20 million bucks or you spend 550 dollars i mean that that's it there's nothing i would like to see more luxury high tiered credit cards um yeah because yeah people who are earning maybe 50 grand a year could still have the platinum and get value out of it whereas the centurion you need to be earning like at least a few million really to get value and you need to have a lifestyle that's suited to it i know it's almost like the carrot card like i feel like i know it's geared towards influencers but i feel like the people who it really targets are who you're talking about yeah no i but care it's more like social media i'm talking about like people probably making 500 000 to 3 million a year okay who are probably like a little bit more on point with their money they're less about the flex but they still want you know something that stands out yeah from the crowd the annual fee that's about a thousand five hundred would make it prohibitively expensive for people who are like under 100 i think 2500 a year oh i think that that's the sweet spot if it was that i would question whether it would be worth it it would have to have for me yeah it would have to have really good benefits yeah because i have to get that back i bet they would be able to do it with like a 500 a year door dash credits a thousand dollar travel credit they would find ways yeah but yeah if they came out with credit card 2500 a year or less 1025 sweet spot i just make it nice you know yeah you got you gotta like you know what like making a silver credit card or like have it yeah have it made out of like a metal something like that yeah it's got to be something cool it's got to be effective and it's still got to be a flex it's got to be a flex yeah make it oh you know what how did it be a bottle opener self-defense yeah bulletproof yeah yeah i can show you what i've got in my wallet all right let's see what you got now yeah this is so this is my travel wallet um so there's a little bit alex that's the size you need this is the traveler wallet it's too bad you didn't pull out a ridge wallet this would be the perfect if we could do a rich sponsorship please man 28 credit shifter.com forward slash shop oh wow whatever all right i'll show you what i got so i got actually with me i've got the amex rose gold which kind of looks pink i see it yep and i've got the uh charles schwab mx platinum okay which that's just for getting into the centurion lounge which i uh i stopped at phoenix for like four hours so i spent three hours in the centurion lounge on the way uh i've got the chase sapphire reserve this is kind of like a workhorse car that i use for like a lot of stuff because i i don't know i just put stuff on this because i'm used to monitoring it and paying it off like it's in my chase actually right so it's like open up my chase it's right there um this is the chase freedom flex i've got this basically for gas because right now it's five percent on gas this quarter next quarter it changes but that's what i'm using uh i've got hilton um because we stayed in the oceana santa monica which is a hilton property so this was for all the meals and uh the ridiculously overpriced restaurant at that property you get extra like 12 points or something per dollar i don't know forget what it is uh we got the old ink good preferred cool uh i got 80 000 on this nice yeah it's kind of funny when i i got denied for this because i i typed in my own social security number wrong uh the first attempt oh wow okay they sorted it out for me and yeah but yeah that's just for business expenses but actually i haven't used it at all because yeah whatever and then we have a let me see where is it where i cut this fast forward or something there we go we have the uh charles schwab debit card which is really useful for uh waiving atm fees so if you go to like some sketchy ac atm that's like three dollar fee i think i went to um the one in the casino yesterday charged 9.99 wow wow i hope it weighs the fee it should waive anything so what's the what's the deal with that one i'm not familiar with that uh the money just comes out of your charles schwab either your child show up checking or your child schwab brokerage account so whenever i want cash recently i've just been uh spending my amc money um so i yeah i've just been using that to waive fees i mean i hardly ever use cash so i'll just take it out of my schwab and then maybe i'll transfer some more money over there if i want but yeah um it's really great to and it's kind of unlimited it's a benefit i don't know they might they might limit it in the future but right now it's like any atm fees they'll just refund so what if you set up your own atm company and charge like a 20 fee and then pull money out of your own atm and then i think there might be a team that looks for abuse like what if we set up yeah we could set up an atm we'll split the profit with you you just keep withdrawing 20 at a time with a 20 fee and just double our money yeah i don't know i i think it would be how long that could be maintained for rather than how much you could same the same way every day in withdrawal every 20 minutes yeah nothing suspicious about that yeah yeah so that's my yeah that's my travel wallet yes buddy speaking of the hilton card uh so this is what i wanted to tell you the uh the other day we went to resorts world las vegas and i'm i'm going up there and i wanted to deposit a hundred dollars on their app just for the vlog the purpose was uh we had a buddy who wanted to load his account with 10 grand virtually and they were charging him a 2.9 fee so it was 290 dollars as a fee just to load his account to be able to gamble so i said you know i'll do a hundred dollars and just just review it and then i'm talking to the guy and he's saying well if you deposit a hundred dollars there's a ten dollar bonus a free play that you could get and i said well is there something if i deposit more because yeah you could deposit a thousand dollars and we'll give you a hundred and fifty dollars and i'm looking at me like yeah i'm gonna do the thousand i had no intention of gambling more than like you know honestly 100 200 bucks max so i load a thousand dollars in the account and i said is there anything stopping me from just going and immediately cashing out after this he's like oh well i get i i guess not it's like like a short story in his face like what why would you do that uh but yeah so i deposited a thousand dollars in the app so you have to do this in person by the way you can't just make an account anywhere and like deposit money you have to do it in person because they verify your id it's a lengthy process you got to put in your like your driver's license there's someone there to verify it your social security number link your bank account with plaid like there's a big thing but i did all of that and sure enough within 15 minutes a hundred and fifty dollars shows up in my account they also on the first transaction they waived the 2.9 percent fee wow so he got a thousand dollars in there they waved to the fee and they gave me a hundred and fifty dollars uh that's just totally free that i could cash out of and then what if you want the thousand back so here's the thing okay so i'm getting yeah great question so what i did to start is i put all 150 on one hand to backroad because my thought was this is a free hand i'm either doubling it and walking away or i'm walking away even not losing any money put the 150 in bagra the whole experience by the way was super glitchy they were promoting themselves as this casino that's like cashless like you could just go up with your phone they do this half the half the stuff doesn't work it's straight up oh i i was trying to get it and they're like totally clueless on what to do they had no idea it's like they had never seen this thing before nobody's using it okay and it took like three or four minutes just to load my account and i tried multiple times like tried to scan it it's just terrible experience but anyway so we did we did put a hundred and fifty dollars on one handed back right but banker i won wow yeah yeah that's nice so got 300 bucks um and then i went to try to cash out now they said originally there was the option to take the money from your account and do an ach transfer back to your normal bank account they said it was going to take anywhere from three to seven days but they charged you a fee of two dollars to do it the problem is that there's no option on the app to withdraw your money there's no option they said there was an option to take your money out i did not find a single thing i even went up to the cashier at the register and i said how can i move my money from here back to my bank account so i don't walk out with like a thousand dollars in cash i don't know like that's my manager and then the manager no idea but you can still get cash yes so you have to tell them i want to cash out entirely from my from the app they go and they type in your information they go and give you cash but there is no way to cash out of this thing and i think they they imagine that people are going to load their account with the money and then be like well i have to either go back to cash out or now that i'm here i may as well just gamble it i think it's like the equivalent of gift cards so yeah you have to do this in person i have a feeling uh p so many people are going to start exploiting that they got they got to stop that soon or it might be like the carrot thing there's only one person like you now everyone else will do it believe it or not i so i posted this on instagram yesterday did some people do it we got stops like four times walking out of the casino yesterday uh one of those people said he saw my instagram story and was going to the casino to do that and he happened to run into me as i was walking out of the casino i saw it last night yeah and i was thinking shall i go over there and yeah you know what 150 bucks is not quite enough for me to be bothered to go you got to go to the casino once just to experience it yeah i honestly i'll be honest the casino was crazy it was bad uh i think i'm not a huge fan of big crowds and there's a lot of people there so that automatically that's not a fault of the casino though but but the actual experience of the casino i wasn't a fan the app was extremely glitchy i prefer the win if you're gonna go anywhere the win and encore just superb so i wouldn't go back it's it's you go there once you experience it you never go back again so that was my experience with that but okay a lot of people today are messaging me on instagram saying i did this wow and they're tagging me in it look at me graham i got they're showing me their account with the money in it so a lot of people are doing this maybe they won't let you back we got to think what would jack ask right now yeah so jack would ask you to review his tinder profile yeah are you good with the ladies well i'm married oh how long uh when did we get married 2014 i think how old are you i'm 35. yeah so imagine i'm a 22 year old good looking guy i see you you've been trying spike ball um you know what what's the best dating advice that you could give me hypothetically or what's what's the best pickup line yeah i you know personally i don't really do pick up lines because i like i think you just gotta you just gotta meet someone and strike up a rapport with them and then it becomes natural you know i like dan blizzarian's advice actually that he gave on london reel when he was interviewed by them he said you just got to have the confidence and go and talk to loads of ladies and just assume that you're going to get rejected it doesn't matter because it's a numbers game if you talk to enough of them uh eventually you know and and as you get good at it they're gonna feel this guy is so confident that he's really not um you know uh what's the word he's not intimidated and then they actually respect that you know they're like the women respect confidence and a guy who can just talk naturally yeah to someone there's no tricks you know what i mean it's not like darn yeah we want to trade the magic lines we wanna like all you got to do is say this hey yeah is heaven missing an angel because you know because she is saying that excuse me what is it did you are you hurt because you just fell from heaven [Music] you know what i would love to see jack do it and have it actually work i bet i bet if you don't if you actually go and do that i bet if you if you say it the right way it'll work i feel like you get slapped but no why would you get slapped that's a compliment i guess it depends on the situation it depends on could come across these pickup lines are kind of crazy yeah yeah yeah i think didn't you try to set him up on a blind date though yeah and didn't go too well or no no no i watched that i saw the video no uh abby was fantastic we really liked abby a lot but i think uh it just you know you never know yeah physically just never yeah logistically it wasn't there and uh you know just not yeah my experience like dating apps as well it's like yeah you might meet someone on there but i feel like you're more likely to meet someone in real life the old-fashioned way you know just like i believe in kind of destiny in a way as well just like you might be introduced through a mutual friend what's your take on dave ramsey oh dave i did a video recently about it yeah it's funny um you know i i think he's for a certain type of person i have some friends who really follow him and they're like oh yeah we don't want any credit cards we don't even really want a credit score i'm like well what about if you get a mortgage and we're like oh we'll have someone like yeah the manual underwrite that doesn't exist i mean i'm sure it does but gosh why if you have a choice between just getting a credit card or going through manual underwriting i mean oh geez my feeling is like i want to play the banks at their own game i don't want like some people if they follow dave ramsey they're like okay we'll just resist the banks all together my feeling is like yeah play their game but outplay them at their own game sure that's that's kind of my take on it yeah i agree with that i think i i think you guys would agree i mean i think the advice that he gives when you're first getting into personal finance especially if you have like a little bit of debt best advice he could give you yeah but there comes a time where you outgrow him and you know i think if you're paying yeah if you're paying off debt go to damn's dave ramsey but once you're done yeah i don't know i feel like dave dave is good for fifty percent of the population yes yeah i would say what we talk about is good for 10 to 20. and then there's that middle ground where they could probably they those the middle ground is probably a transition they start with dave they end somewhere else but yeah i would say dave on a broad scale probably best for the majority of people yeah yeah so ben thank you so much for coming all the way out here i really appreciate it it's awesome man thanks for having me and with that said you guys thank you so much for watching i really appreciate it we're going to link to everything you have down below in the description you have wallets for sale we do so you know what i'll link to that credit shifter wallets get em at creditshifter.com yeah and also down below in the description you can get your free stock worth all the way up to seventy dollars seventy dollars seventy dollars and they also don't route your order flow unlike other brokerages out there which is unfortunately the name huh we can't say who it is but they do it public does not and also i'm posting all of my own stock trades on there so if you want to see what i'm buying just follow me on public dot com slash gram use code gram get your free stock i'm going to immediately do that and get my free stock with 170 it's basically go to the casino getting your free 150 except you could do it right now for the comfort of your own home it's worth all the way up to 70 so thanks so much guys i really appreciate it and until next time