The Worst Moments Of The Podcast | Iced Coffee Hour Highlights | Ep. 1-10

What's up you guys? It's Graham here. So, welcome to my first ever podcast ever that that I've been I I don't want to say I'm hosting it. I mean, you're mostly hosting me, but Right, right, right. Co-hosting, co-host. There's no host. Okay, I don't like that intro. Should I redo it? It's a podcast. It's fine. Podcasts are raw. businesses when you were younger. When you were younger, there were any businesses that you started up or you you tried to start up now looking in, you know, hindsight they actually weren't I wanted to come up with a free cell phone plan where instead of you know, when you call a phone, it's like it rings like Yeah, yeah. Imagine if you get a free cell phone. So, you wouldn't have to pay any sort of like monthly data or like anything like that. So, you don't have to pay like 30, 40 bucks a month, but instead anytime you make an outgoing call, you'll hear an ad for like 10, 15 seconds and then the call goes through. Whoa, that's So, I figured, you know, like or or when people call you, let's just say. Instead of hearing the, you know, it's ringing or you know how people have a ring back tone where it plays some classical music or something. Imagine if a person calls you and they just hear an ad until you pick up the phone. It's just a free cell phone plan where you can make as many calls as you want within the United States, but it's just you listen to an ad before the call goes through. Not a bad idea. So, I yeah, I came up I know I got a business plan in there. But basically, I was one of those kids where it's like, "Okay, so there's 300 million people in the United States. If we can get 1% of those people and we make an average of, you know, 15 cents a day to know, you know, all of this and I'm like Yeah, yeah, yeah, yeah. based on that. And that was my that was my pitch was just was just that. Like if we get this amount of people, make this amount. Right, right. Uh I started looking into it and it was just it was I felt so over my head. I just like I had this idea. It's hard. But I was like, "Where do I start? How do I get advertisers?" I think I was like 18 years old. I was like, what do I do? Never pursued it. Have you ever heard of Brewster's Millions? So, it's about a guy who was like a failed minor league pitcher. So, nothing spectacular. And he just finds out like out of nowhere this uncle had like a ton of money, basically. And the thing was there was like it was like a game. He said, if you can spend $30 and have net assets zero by the end of it, then you get the rest like the other 300 million. So, this guy in this movie, he had a month to spend $30 and if he couldn't spend it, he didn't get the extra 300 million. What would you do? Would you How would you spend like that $30? Easy. I would say art, cars, watches, real estate. I mean But then you'd have assets. Oh, you have to spend Oh, and not have any assets. Yeah. You would be able to rent a really expensive house. There are plenty of houses that you could rent uh Hamptons uh Hamptons prime season, I think it's like 200,000 a month. Uh you could pay uh even more uh for like full staff and stuff like that. You could rent a whole bunch of houses like that. You're not owning any assets on that. You could rent some really expensive It's basically renting everything. You could almost buy like really expensive price priceless paintings and then damage them. You damage them and then they're worth so much less. Like imagine buying let's say like a Mona Lisa, let's just say. And you just you just you you drive light it on fire. You light it on fire. Something like that and then the ashes you sell the ashes back for let's say, you know, a million dollars or something like that. And then now you only have a million to spend in 30 days. You know, you could do that with with exotic cars, too. You just get like a vintage Ferrari, you know, $10 million. Just crash it. Crash it and then sell it a mill, right? It's got to be with something like that and then just you know, now you spent a million dollars or something just repeat that. It's a lot of work. I would probably I'd probably take the challenge, but I'd find a way to spend it. Speaking of rings, Let's see that one. Show that one. What is this? So, Oh, THIS IS OH, WOW. YOU GOT THIS BEEFED UP, didn't you, guys? did not get IT BEEFED UP. WOW. Show it show it to the camera. Don't tell Jack. Is it cool Jack holds it? Yes. Okay, wait, wait, wait. Let me let me feel it first. Let me look. Jack's going to break I just want I want to film Jack's reaction. Wait, wait, that's a I thought that was fake the whole time. Is that a diamond? So so Jack hold it. I thought it Okay, wait, wait, wait. We got to get your reaction on this, okay? Cuz I know Wait, guys. Oh, you know what? We might just have to get some beer out. Yeah, get some beer out so we can get crazy. Wait, wait, wait. Wait, there's a hair on it. I think you saw it when it was just the like diamond. Okay. Do you want to be in this as well? I I think I want I want both of your reactions cuz you you don't I don't I don't think you know either. You Know what? Just hold it. Guess how much you think that is. How much? But I I I know how much the engagement ring is. Oh, wait. Guess how much that would be. So the cufflinks that your husband wore during the wedding were like 50,000, right? 55. And they had diamonds on them, right? One and a half. You going to guess that one and a half million? Yep. It's like this or a Lamborghini, right? So like I would have I think this could be like 150, 175,000. Okay, you want to tell him? That's how much this ring was actually. But this ring is definitely over a million dollars. Look at his face. Look at his face. Look Look at this. Look at his face. I can't hold it. He's shaking. HE'S SHAKING. TAKE IT OUT OF MY HAND. HE'S SHAKING. BUT I THOUGHT I THOUGHT THAT WAS RIGHT. OH, MY GOD. WE WERE DEFINITELY RIGHT. But I don't I don't wear this everyday. The only reason I'm wearing this is because I have an interview after this. Okay, yeah, fair enough. But I I never wear this. This is like locked up in a safety deposit box. Yeah. I really don't wear I I know. Wow, look at I just wanted Jack's reaction to that. That's all. Your reactions are the best. Jack is THE BEST HERE. EVEN pulling up to THE HOUSE IS WHOA, WHERE ARE WE even at? I love that. We got monetized, too. That means that you guys can watch ads in this video. Exactly. How exciting is that? So, we should share how much we've made so far. Okay, so we've made $72. $72, wow. And that's a few days. Uh now $72, but but you have to consider how much work went into that. I would say from actually filming the episodes, I would say 20 minutes of prep work, an hour of filming. Uh Christine's one took That was an entire night from like 8:00 p.m. to midnight Yeah. of doing that, plus editing. Editing that one probably took me like 5 hours to edit. It's less than Yeah. We're probably making like $5 an hour for for doing this right now, realistically. So, that's that's why you got to get your two free stocks from WeBull. That's why you have to click on the ads, watch them all the way through. I we can't tell them to do that. But Why? You're not supposed to tell people to watch the ads and watch them all the way through. So, don't do that. No. Don't do that, guys. Is it too late to invest in Tesla? Oh, that's a tough one. You know, I got to say, if you're a long-term investor, I don't think it's too late. Cuz I, you know, I personally believe it's going to be a two, three thousand dollar stock in the future, if I, you know, over the next five years or so. But at the same time, if you're if you're trying to do a short-term move around it, I just don't think it's a great stock to do it around. Um it's too volatile. It's almost like it's one of those stocks that very few come along, kind of like an Amazon, an Apple, a Google, where you just buy it and you just hold it, man. You just throw it in the filing cabinet, you try not to look at the stock price. It's going to, you know, if it's at 500 a year from now or 2,000, you try not to make judgments off that. It's one of those you just buy and you forget about it, man. Don't you think a lot of people think the same thing that like Tesla's going to be the next, you know, Amazon or whatever, and they're all piling into it now with that expectation? And don't you think that's maybe influenced the price rate? Cuz part of me looks at the company and like this maybe like four or 500 bucks. Yeah. But but you but it might never get there because people just have so much faith in the company that it's never going to hit what it's I think kind of valued at. Well, You know, with with these special opportunities, they really just trade, you know, way ahead of themselves. Like years in advance. Amazon's done that since the beginning of time, you know, since when that went went public in the '90s. It's always traded way ahead of the market because a lot of investors just look at it and they're like, it's just the future. And obviously it's it's now as well when it comes to Amazon, and that's why that one's at a $1.3 trillion market cap right now, Amazon. Cuz if you're trying to base Amazon off of what they're doing today, there's no way a $1.3 trillion valuation makes sense for Amazon today. But when you base it off of what they're doing in 5 years, it might be a steal. So, and that and that goes for a lot of these great companies, you know, there was there's been a lot of times where Apple's been way overvalued. And there's been times where it's been undervalued. So, you know, sometimes these long-term investments you have to throw in the filing cabinet. So, I think I'm about $30,000 in credit card debt right now. No. Yeah. Uh wait a minute. No, you're kidding. Jeez, don't do that. That's funny. No, yeah, like I don't belong on this your channel. Wait, wait, are you serious? Your audience is going to I can't tell. crucify you. That's That's a joke. No, I'm being We got a prankster here. No, I'm No, I'm being serious. Yeah, I just spent a lot last year. Remember Remember where I used to live? Yeah. Yeah, so so I saw I saw Andrew's place. a month. $3,700 bucks a month. And I was like $3,700 for reference. I also went to Russia and Japan and Paris. Wow. Okay, I yeah, so I'm so I'm sorry about like laugh I thought you were kidding. No, no, it's not funny. I'm like oh yeah, I know it's like No, it's fine. Well, I've done this like a couple times in my life and I always get out of it. Where Where's the debt being held on? What interest rate are you paying on that debt? Oh, it's probably ridiculous. I've probably have paid three or four grand in interest alone this year. Your best bet honestly is you got to throw everything in the savings, everything. You mean take everything out of savings? Whatever you have in savings keep just barely enough cuz cuz cuz here's the thing, my thinking is that in an in an emergency you could always put more money back in the credit cards. Mhm. If you need to you can spend money on credit cards, get up the debt again, that's fine. did get unemployment and that's that that helped a lot. So I paid off a bunch with that and Do you feel like you can't trust yourself to use a credit card? Yeah, that's the thing. I don't know like my self-control and stuff, you know? Then don't get a card. Then then I agree with you on that. Yeah, pay it off, close out the cards. I would keep one card open. Yeah, right. a $300 or $500 limit or whatever, $1,000 limit on the card just so you have it. My dog just had surgery like 2 weeks ago and it was $700. Yeah. So many things happened, you know? Yeah, I made my first ever option trade. Gosh, I told you not to do it. So he told me not to do it in our private mentorship group, link down below. In the description. Um I was talking with the guys in the Zoom call and one of them was telling me about selling puts. So I decided to do it and I sold a put on NIO strike price $7. For those of you guys who know options, that's what I did and uh yeah, I made like $29 off a $700 investment. It was a small investment. Obviously I'm not going to do a bunch of money in the beginning when I'm, you know, doing options trading, but I made some money off of it. Congratulations. And I remember telling Graham and Graham was just like, "Oh my god." But I mean you would have made more money just buying two two shares of Tesla. You would have made way more money. that would have required like a $2,000 investment. And also $2,000. No, I invested $700. Well, well, you could buy fractional shares. You would have made more money buying a fractional share in Robinhood. Anyways, I made some money and Graham was just like, "Oh my god." And you know you know you win you win a couple of times a little bit and then one time you lose and that's it. I made like 3 4% in what? 5 days? want you to do it 20 times. And I want you to make money 15 out of those 20 times. Then I think that would be a good gauge of how well you're doing. All right. 75% of the time you make money. I'm going to continue trading options and gambling away all of the money I'm getting from the podcast. Do you want to say the thing that where you like put that money in that one stock and then made like $40 or $80 or so? say that. So, one of them that that like it's a silly example, but Wirecard. That bankrupt company. For fun, uh I put two grand in Wirecard cuz I noticed it was hovering just within, you know, a set range. And I think, "Well, you know, if if I could time it was it literally bouncing like you had these two levels. It would just bounce between them." So, I figured, "Well, I may as well just try to buy towards the low and then set, you know, a limit and so it automatically sells when it reaches a certain point." I made like 80 bucks on that. But, I had to invest 2,000. Like I was prepared to lose that. Made $80 off 2,000. I was prepared to lose it. And that was within a few hours. And the company was going bankrupt, right? The the next day it went down to like, you know, I think 2 days later it was like 90 something cents. And what did you buy it at? Uh I bought it at $9 and 60 something and I sold it at $9 and 90 something. I mean It was funny because you said like with taxes and everything considered it was like $40 that you made off of them. 40 bucks on that. $2,000 like investment. We went and got burritos. Yeah, paid for burritos. That's what was the goal. It was a fun little thing for me to do. For those of you who don't know me, I am formally known as Graham's girlfriend or Savannah Smiles, but my name is Macy and I am on this podcast. I live with Graham and I am his living actress. Roommates. Roommates. We're just roommates. We're keeping this PG. For parental guidance. So, welcome. So, you were into finance a lot even before you met Graham. Yeah. Yeah, that was something that we really clicked about. I remember one night that Graham and I first started talking, I think we were up till like 2:00 a.m. talking about credit card points and different credit cards. He's telling me about like these ones cuz my parents were always very against any with like the annual Annual fees. it. I almost said statements. I knew that was wrong. But, the annual fees. So, then when he started saying, "Hey, no, like this is how it pays for it back." I was like, "Wow." Like my mind was just blown. So, I can remember there was that. We were talking about credit He knew my credit score before we even went on our first date. That's what made him so interested in me. Did you ask that question right away? I think so. I don't know if you asked me. was like indirectly be like, you know, something about credit scores and then it just came up in conversation. I don't think I asked directly, "Like what's your credit score?" What's your credit score? I think I just brought it up. Like I just offered this information willingly. I'm like, "By the way, my credit score is over 750." And he's like, "What?" "You're that age and your credit score is that high?" I'm like, "Yeah." Yeah, it's not like the text like, "Guess what I'm wearing tonight." It's like, "Guess what my credit score is." "750." I'm like, "Oh, say no more." Graham is going to review my budget. So, I prepared my income and expenses and I can throw up a screenshot of the spreadsheet. Comes Okay. And Graham is going to look at all my stuff. All right, so here we go. So, we got video editing, $4,000. I want to read this in my own mind. $4,127.29. We got the mentorship group $1,106 a month, hourly, okay, $600, podcast $144.55. Okay, decent income. That's good. That's good. But, then we got your expenses, uh Basal on Mint with Matthew, what's that? Okay, so that was that the the pho that I got, the Vietnamese pho with my friend where you got the spring rolls. Uh what's Lucky? Groceries. Why is it Lucky? I don't know. That was what Mint classified it as. I just got all this from Mint. Lucky PayPal. Don't know what that was. $15. Okay, then we got Little Caesars, 539. Okay, that's right. Two Trees Cafe, $18 at a cafe, what was that? Uh I got this thing called a Monte Cristo. It was just a sandwich. Uh my friends wanted to go, I think. Sprouts. Okay, so Sprouts, $114, that was groceries for the month. Audible, $15 a month. Fees and charges, what's Why are you paying fees and charges? no idea what that was. Jack in the Box, 757. That's expensive for Jack in the Box. Yeah. Groceries, 26. Habit Thompson for Venmo, a dollar. Arco Gas, okay, groceries. So, you went to groceries twice. So, you're eating $220 a month in groceries. Yeah. Uh okay, that's fine. Vons, so gross, 597809. Total expenses, $419. That's a lot. Net income, 55. My expenses are a lot? Yeah, it's a lot of money. Uh get rid of those fees and charges, no Jack in the Box. You want to get that down to like 380 a month, and I'd be happy. I mean, it's it's good. I I I have on I mean, obviously, I have no complaints on this. I mean, overall, it's not terrible. Like, I don't have very expensive tastes. No. For the most part. It's good. This reminds me of my expenses back in the day, where I would have like really nothing. Yeah. But uh yeah, it's good. Yeah. I'm fortunate I don't have very expensive tastes. Yeah. You know, I just don't need very much to operate. How many streams of income do you have if you're willing to disclose this? Oh, sure. So, Language Hub number one, uh Google AdSense number two, paid partnerships, affiliate programs, um my YouTube course, investment income. Oh, investment income. Just added that. Oh, Instagram ads. When people buy ads for me on Instagram. ads for me? Wait, how does that work? Oh, like sponsored like sponsorships. Oh, I'm like, wait, Instagram has ads? What? Yeah, sponsorships. Oh, and I have my workbooks. This is an amazing income source cuz you produce It's like a book, like a PDF. I call them handbooks or workbooks. And they sell for like $7. And the one that I made was for English language learners. It has 180 pages. And in the first month we made $25,000 selling it. Um Wait, wait, what is it exactly? It's like, you know, it's a lot of things in one handbook. So, we have like a thousand words that every English language learner should know, TV shows that you should watch, like a lot of information about the English language. Yeah. So, you have like seven or so. Yeah. Quite a few. Yeah. Are you able to disclose percentages or numbers or Yeah, sure. I think Google AdSense this month is around 17,000. For which for all combined? Okay. Ugh. Yeah, I watched it yesterday's video. Shady. Oh, wait, which one? The the the net worth Oh, wow, yeah, yeah. Yeah. A lot of people watch that video. Um then so, workbooks around 10k every month. Uh paid partnerships uh 30k a month. Wow. Wait, what what kind of paid partnerships do you do? So, like companies that we work with like product placements in my videos. What companies? Audible, Skillshare, uh We got We got to talk about this afterwards because I'm not doing anywhere close to that. Wow. Maybe I'm getting Yeah. Yeah, so we got to do that. sponsorships Sponsorships. Um yes, some of them are on Instagram, but YouTube is a bigger chunk. Um workbooks. Um last month it was around 9K. What else? Well, language of salary. I don't want to disclose it. That's fair. Uh What else do we have? Oh, courses. Last month I made around 30K on courses. That's good. That's really good. I I was adding it up in my head. It's almost 100,000 a month. 80K was About. Yeah, about. Wow. So, that's it There's your title right there. Yeah, okay. So, how do you say hit the like button? Um, nazh mite ya. Nazh mite ya. Wait. Na? Nazh mite ya. Na like. Nazh mite ya. Na like. Nice.