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Why My Assistant Left

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In this episode of *The Iced Coffee Hour*, Savannah Smiles and Graham Stephan discuss a significant life change: Jack Selby is moving out to purchase his own home, marking an "empty nesting" phase for the household. The conversation reveals that Jack has been pre-qualified for several months and made numerous offers in a competitive market described as resembling warfare. He details specific novice mistakes he encountered, such as calling sellers directly after initial rejections or failing to recognize when a counter-offer was part of a "best and final" round involving multiple buyers, which ultimately caused him to lose properties despite accepting the offer. Additionally, Jack recounts an embarrassing incident where his misunderstanding about representing himself led a listing agent to believe he was breaking into the home by repeatedly beeping at the lock box; this confusion escalated until sellers requested police involvement due to security cameras monitoring their property. Despite these hurdles, Jack secured a new conventional loan with a rate around 2.875% and plans to rent out three rooms in his new house while keeping one for himself. He aims to provide amenities like paper towels and pool access to create a hotel-like experience for roommates, projecting a cash flow of approximately $700 per month or a 16% annual return including principal paydown. The group also touches on Jack's desire to launch his own YouTube channel focused on lifestyle content with a finance emphasis, as well as Graham's potential entry into OnlyFans. While Savannah expresses initial hesitation regarding explicit adult content that might not be Instagram-friendly, she ultimately supports their entrepreneurial freedom provided it does not negatively impact the quality of *The Iced Coffee Hour* or the main family channel. A major segment of the podcast involves Jack reading a series of emails he sent to Graham between February and May 2019 when he was first seeking employment as an assistant real estate agent. These messages reveal his desperation, offering free lunch in Ventura while living there for five hours away from Los Angeles, boasting about his academic plans at UCSB, and claiming to have the charm of a top-tier salesperson. Graham notes that they receive dozens of similar emails weekly but rarely respond due to volume, highlighting how Jack's persistence and perfect timing—specifically sending an email when Graham was actively looking for help with random tasks—led to him getting hired just before he secured his first sponsorship on TikTok. The discussion concludes with a "hot seat" segment where the hosts critique each other’s habits and financial decisions. Savannah identifies Graham's frugality as her least favorite trait, noting that it sometimes hinders business growth by delaying necessary upgrades like better lighting for video production or faster routers to prevent Wi-Fi dropouts during calls; she argues that investing in equipment like a Sony A7S3 camera would improve rendering speeds and overall content quality. Conversely, Graham praises Jack's proactiveness but notes his tendency to hesitate on time-sensitive trends unless pushed immediately. Finally, Savannah admits her least favorite thing about the household is finding clothes left drying for days because she assumes they are forgotten laundry rather than intentionally stored items, while affirming that taking breaks reinvigorates their work ethic and passion for content creation.
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hi guys welcome back to the 70th ever episode of the iced coffee hour my name is savannah smiles and so far the podcast is made you did not give me that information i don't know what you were expecting me to do yeah i'm assuming it's probably made around 105 000 so thank you guys for tuning in and thank you for appearing on the podcast macy yeah of course what else am i going to do work well i think jack has uh something to tell you and that's we wanted to film it you guys are pregnant how did you know no i'm not we're not pregnant uh yeah jack is pregnant yeah no uh i own a house now congratulations thank you thank you thank you so i uh will officially be moving out of this residence uh as soon as possible congratulations do you have a move-out date in mind uh well ideally it would have been tuesday uh but we're pushing it back a little bit due to some uh technical difficulties and uh hopefully maybe monday or something so you're not going to be around for the holidays i thought we were going to have a big old family holiday but we're going to be empty nesting this christmas i'm sad i don't i don't want you to leave yeah i know you were trying to convince me yeah to back out of the deal like two days before closing i told jack that he doesn't need his deposit it's only three percent he doesn't have to close it's sad i was telling even me no i i do feel sad about that it's just like you're like a staple part of the household you like are weird i don't want to say weird but you know that like awkward teenage son that just stays in his room what's the difference i'm sorry okay so let's let's set this straight what's the difference between awkward teenage son and weird well weird i just think awkward is a little different because like you i mean i hear the dating escapades or some of it that i just think oh we're starting this off a little aggressive now aren't we no but just like you're like our our awkward teenage son that lives in there like you come out of your room you got your headphones on your hood up and you're like just like yeah that's true i never thought about that you are a bit like that just you close your room and you're just we haven't seen you you come out just to eat in the kitchen and then you go right back into the room all right all right i'll take that as an endearing thing great thank you guys thank you very much anyways i'm moving out i'm excited to have my own place uh although i am so excited i am honestly i'm a little upset that i'm leaving you guys uh this has been a great time living with you guys for such a long time you don't you don't have to leave though that's the thing rent yeah why don't you rent out every room except for one but just stay here and then if you need one room there just go there i'm sorry guys but i think it's time the uh you guys are empty nesters right isn't that isn't that a saying yeah empty nesters i just at least i guess you're preparing graham and i for this probably about 25 years before he'd actually become empty nesters maybe alex moves in maybe just get alex i'm sorry alex is already renting a room guys that is totally off limits uh yes how about this why don't you show us the house tell us how many offers you've made so far leading up until this point okay so uh i've been pre-qualified for probably four or five months and i've probably made uh seven seven offers six or probably five to eight offers so quite a few offers uh i've learned a lot thank you graeme you've helped me out a lot through this process and uh it's crazy out there it is like uh it's like warfare honestly in the in the housing market or buyer and why didn't the other offers get accepted uh well i made a few mistakes a few novice mistakes in the beginning uh that's one reason why they didn't get accepted explain these novice mistakes for people that don't know i i feel bad because i feel like you're roasting jack a little bit right now because i could see with i've heard about a lot of these mistakes i would have probably made them too jack to be fair like some of these things i listen to i'm like no that wasn't smart but i probably would have accidentally done the same thing too well of course you would have i think anyone would have if they didn't know what they were doing so so jack calls the seller the seller directly he wants to offer 560 for the property and in the span of a minute jack goes up from 560 to like 5.95 and the seller doesn't even take the offer he then shops it around and then gets back to jack saying would you go even higher and start something yeah i'll go higher chops that around i'm telling y'all so basically the seller had no intention of closing for a week out into the future and i got the highest offer on the house with still a week left to for the seller to make their decision and they basically just went around to other people i entrusted the seller big mistake uh and basically they just went to the people saying hey this guy offered this much can you beat that uh yeah yeah no i could i would have probably done the same thing on the first one but i don't think the second time they would have called i would have offered anything higher but i can see definitely on that first one i think it's understandable especially when you're like really excited about getting a place and stuff not all of us worked in real estate graham oh okay yeah you're you're a guru you're really not good but a real estate genius okay not all of us are thanks anyways another house i lost out on uh it was initially listed at like 460 460 i think and it's funny because four or five months ago when i first started looking i was looking in that price range like 460 450. um and graham said i should try to go under 400. unfortunately well i don't know if this is unfortunately but the house i i bought was listed at 600 000. so i mean obviously it is a little bit of a nicer house but not 140 dollars nicer than the initial house 460 that i put an offer on uh it just goes to show the how uh insane the market you wrote it off for 460 but that didn't get accepted so what's the fourth season well actually i'm sorry it was itself it was listed at 440. it's sold at 465. okay and here's another issue that i ran into if you guys are trying to buy a home um i offered so actually the property was listed at noon i saw it at one and i submitted an offer uh i think at asking uh at 5 00 p.m and that night they got i want to say 10 offers uh it was between like 8 and 12 offers uh all over asking so i was pretty much screwed fortunately uh i came back with extremely aggressive offer and then they counter offered uh to like a few people that were still in the running and uh counter correct what multiple counter offers are they multiple yeah yeah yeah exactly so and and i accepted their counteroffer thinking okay i'm gonna get the i'm gonna get the property uh oddly enough their counteroffer was something called the best and final which i was not aware of and it wasn't really disclosed to me by by my agent unfortunately and i lost out on the property because all i did was accept their counteroffer this is the one that i reamed on jack after this one uh not this is half your fault half the other one uh you know what it's 80 20. it's it's 80 their fault but yeah a best and final you never accept because everyone pays more than that right right the only reason why i would know not to do that is because when you were getting the la place you were trying to avoid that and you explained how the whole multiple counter offer thing in the best of first you're like i'm trying to write this now if it was just a normal counter offer and i would have accepted it we could have been a contract right but this was like to multiple different people and i just accepted their offer which was probably i i think i offered 460 and then their counter was 462 and i was like okay 462 sure i'll do it and then it sold at 465 because someone offered that so i it was just three thousand dollars and now that house is probably worth five hundred and ten five hundred and twenty 000 honestly right well let me ask you this question do you like your current place more than that place yeah i like i like it more but i do think this house would have been a great investment and for me right now i'm 22. i don't think it really matters for me to have a place like i really love the point jack oh my gosh yeah i am 23. sorry my birthday was like three days two days ago so i'm just i guess i'm not used to saying that but yeah but i mean you're going to want to find a place so you're going to like for the next probably three plus years i would imagine i wouldn't think it's gonna be a place that you're gonna be in for like ten or more but you're gonna wanna find a place i don't see you getting a place and then wanting to move like six months a year later right i don't like it enough to stay there for a few years right well we'll get on to that in a little bit but the the lesson to learn here is if it's a multiple counter offer that means you have to go above the counter offer if you really want the deal at least in this market and if it's just a counter offer then you can accept and you can be in contract but that should all be disclosed to you by your agent yeah so if i were your agent i would tell you never pay ask price always low ball the property and that way you don't have to leave see that's hey that's genius for that so never have to move out so anyways uh that was those were a couple bad experiences another one was i got i got the cops called on me uh that was a that was an issue and very very very embarrassing tell the story wait is that the is that going to be the title of this podcast cops called yeah that would be funny that would be funny so so graham gave me the genius idea of reaching out to the listing agent and asking if they would also represent you as your buyer's agent right and then split the buyer side commission so i can basically let's say it's a 600 000 house i get a 6 000 credit in closing costs or something else um so i decided to reach out to the listing agent on a property i really liked and i said hey i was wondering i'm a prospective buyer like would you be willing to show me the property or something like that maybe my wording was a little off but i did not specifically say can you represent me as the buyer's agent i've always done that but exactly so that was that was i mean that was my fault and then he said sure it should be open between now and like and he gave me a range of time where the house would be open for it and i figured maybe they're doing like an open house you know maybe i just show up meet the guy and he'd show me the property wrong that's not what happened i showed up to the place what day of the week was this because this was like two three months ago it was not a sunday night okay yeah but it's not a saturday or sunday would have been thinking that we're still in this market yeah in this market usually they'll have windows of showings that they'll be like i'm there 12 to three to show up during that time it's pretty so i figured i'd be safe just showing up he thought i was actually the listing agent so he left the the lock box thing on the door he thought i was the buyer's agent yes representing my client right so he left the lock box on the door and there was a like four numbers on the top of the lock box and i was like oh these are just the four numbers you hit to open up the lock box get the key open up the house so i kept on trying over and over don't know what those four numbers were think they were completely arbitrary uh for some usually wouldn't he tell you what those numbers are ahead of time no because it's on the mls that's how you know that oh you would have okay so he didn't tell me what the numbers are i just kept beeping my way i was like why isn't this working why is this where i was showing up i was like maybe he's inside yeah first we want to thank attitude for sponsoring this episode of the iced coffee hour podcast i absolutely love having a great night of sleep and there's something about it that just helps me wake up refreshed and productive and that is exactly why i think that bedding can be just like an investment you get a good pair of sheets and you get a great night of sleep it's as simple as that unlike cotton that consumes a ton of water ettitude sheets are actually made out of 100 bamboo and they are so soft that some people even call it vegan silk did you know it's like vegan silk alex well now you do seriously guys because of attitude i think i have gotten some of the best sleep in my life and that has led to me being way more productive and efficient during my work day same goes with me jack i actually sleep a little bit hot at night so because of how breathable they are i've gotten some of the best sleep and there's no reason not to try them you got 30 nights and if you weren't completely satisfied you can return them for a full refund but trust me you will love them and right now you can actually get 20 off your order plus free shipping when you visit attitude.com iced coffee and that's your promo code iced coffee at checkout remember that's attitude as an ego attitude again that's edited.com iced coffee promo code iced coffee for 20 off and free shipping thank you so much attitude for sponsoring this episode and back to the podcast don't know what i was on that day but he definitely wasn't inside dogs started barking kept trying and then i got a call from the listing agent uh and he basically said what are you doing you're scaring the sellers because they have like a camera and they were monitoring me uh and he said you're really freaking out the sellers and then we had like five minutes i won't exaggerate it was probably two minutes we were going back and forth trying to understand and i wanted like i didn't understand that he didn't know that i was you know a buyer not a buyer's agent and basically we just went back and forth a lot of confusion that he said hey you're going to have to leave the property um the sellers or the sellers are requesting you you leave and i was like and i was like really embarrassed a little frustrated because i drove all the way out there and i thought i made it clear enough but apparently i didn't and i drove home and then he called me when i got home and he said yeah they were they were calling the cops on you basically because they thought it was a break-in because they dealt with something like wearing i mean i would just my normal clothes i wouldn't say it was anything fancy but i mean i maybe a hat and like i had a beard growing out at the time oh maybe it's the hat yeah maybe the hat daylight haven't shaved in a few days showing up too far just frantic just beeping away at the threat i don't think it matters who it is if i saw somebody outside of her house beeping like that and they were getting multiple failed attempts and i wasn't expecting anyone to be coming in at that time i would probably call the cops no matter what they look like right so anyways that happened i was really embarrassed a little frustrated and i was standing in here he was on the phone with me saying that they were going to call the cops on me and uh then i told him i was like will you still represent me as the buyer side agent and we can split the commission and this is what he said oh no we don't do that here uh i don't split my commission at all and then i was like uh why and then and then and then he said that's like you going to the mechanic and saying i picked you as this as the mechanic i want to operate on my vehicle so you give me a discount and i was like no that's like going to the mechanic telling them the issue with your car and and already knowing what it is and then asking for i don't know well i feel like that's going to the mechanic you already have the part and you're just like i just need you to do the work for me exactly or just saying there's a place doing it cheaper down the street would you match their price it was basically we both had poor analogies yes and then he he basically just well no he didn't basically say what he did say was uh all right well you have good luck with that and then he hung up you should call him right now tell me you just got a place hey man i just got a place way better than that place no i i don't wanna start any argument okay because i also don't even know what the eight i don't remember okay it was like three months ago okay all right well random random realtor out there jack is beefin i'm beefin what are the finances like what sort of loan did you get sure so i got a conventional loan 30 years uh 2.6 2.874 was my rate which is pretty incredible you had to do that because i got 2.875 right i had to beat him so uh yeah that was that was pretty exciting for me because that's basically like free money and uh also what else is yeah it's free real estate it is free real estate and what's your payment every month it's gonna cost me about three thousand dollars a month to keep this house up and running with all the rooms rented out because i'll also have several roommates so and i should be able to rent out the rooms for a pretty good price how much are you going to rent each room for um it's going to be 8.75 and i'm also going to tack on a maid fee uh whatever it is divided by however many that's fair yeah roommates just because and they'll also clean their room and everything so i figure that's that's good and it's also in a great location uh i'm gonna be pretty kind with with amenities and stuff like that i'm going to maybe provide paper towels toilet paper stuff like that try to give a hotel experience so that's nice you learn from the best jack that means jack's room is worth like probably 1200 a month for the location oh yeah no i wouldn't yeah because it also has its own bathroom yeah maybe some more so who are we moving in oh we got to find somebody for 1200 a month no you wouldn't do that 1200. no god no you stay in the room we have another angry teenager we're just like just we never see him know them no one actually my sister oh you said well it's 1300 a month let's see that i just had the 1300 what did i say twelve hundred and then well the main fee the money and stuff like that the poor i know how much it costs here yeah but i know but the cleaner fee plus the pool plus we wouldn't charge anything extra for utilities oh okay with utilities that makes sense with utilities to finish it off the numbers on the house uh if i were to rent out two rooms at 875 a piece alex's room let's just say 10.75 or something like that uh another person moving oh also i'm gonna furnish i think two of the rooms and charge sixty dollars per month or so to furnish the rooms uh and then also another room i'm also gonna rent out so there's four rooms i could potentially rent out the numbers on the house so i think it adds up to where i'd be cash flowing about 700 a month ish and uh i think that would be about a seven percent cash on cash return and if you include the principal pay down the piti the p-i-t-i uh that means i'd be getting uh i think about a 15 or 16 return annually which is crazy because honestly in this market it seems like doing something like that would would be so difficult right and that's not even accounting for potential appreciation which obviously one should never count on but yeah i didn't think it was possible but now i'm doing the numbers and i was like dang maybe i did get a decent deal on this house so that feels really good that's good we gotta congratulations yeah okay sure so all i'm just gonna show a couple photos i don't want to drag the the whole house thing on for too long um but here let me let me pull it up so i'm just gonna show i'm just gonna show like three photos of the house but this is the front yard can you can you just explain what you're seeing right now uh so i am seeing a brown house with a two-car garage out front a large window above a double door entry graham what's your opinion on the facade i like the palm trees uh not a huge fan of the color nice landscape though overall i would say i just don't like the brown fair enough yeah i i agree with you it is next okay then we got the pool uh picture two yeah i like picture two nice pool looks very blue yeah doesn't look like there's any plaster issues that there's a couple plaster issues but it's mostly cosmetic all right i like it yeah i like it too and then picture through it it's also the pool got a hot tub inside i like that kitchen it's going to be really great for entertaining cats are going to love this you're going to be up there on the counter all day uh great refrigerator now you did negotiate to buy uh jeremy's refrigerator yeah don't measure that yet so you bought a refrigerator not having measured the size you know it is what it is man okay it is what it is so anyways the point of this whole house conversation guys is that if you don't think you can find the deal in this market you can okay you just gotta look for it for about four or five months if you rent out all of the bedrooms you too could have a good deal if you rent out all the veggies and the garage yes storage no i'm not renting out the garage but i would and you could and you could airbnb via pool have you seen that you can't airbnb oh yes yeah there's now an app where you can rent out people's pools by the hour yep did you believe it we should try that for the sta family and see how much money like we can make i'd be curiou i'd be curious about that i just want such a high price but uh the point is content graham it's not about making between twenty and eighty dollars the point is content twenty eight dollars twenty dollars an hour and eight dollars oh gosh no no no i i think realistically you charge like 150 an hour okay so 50 hours an hour sure might do that okay the next thing uh this is a conversation that's going to be very exciting i was planning on just doing this not on camera but since we are doing it you know a podcast right now i figured it's a good time graham i'm thinking about making a video my own video what sort of video something about the house okay i think it'd be really fun and i like the whole idea of starting up something not that i'm starting up anything but having 100 creative freedom over something i can make and i think that like that is extremely appealing to me and i just wanted to know your opinion on that you think so yeah and and what are you what are your feelings towards that um i think as long as it doesn't impact the second channel or the podcast that's it i frickin told you what oh you didn't tell me oh he told you about that yeah you told me about this a while back he's like how do you think we even feel i'm like i think he's gonna be fine as long as it doesn't affect any of the channels yeah so but how long have you felt this way because a while ago we did have a conversation where you said jack if you were to ever have your own channel like like you definitely you clearly were against that idea that was a time where i was a lot more busy yeah a lot like back before alex and living in santa monica yeah i don't know i think at that time you were you were probably putting in like eight to ten hour days six days a week eight to ten hour days six days a week bro santa monica less than that more oh my gosh santa monica i all i did was work and go surfing like once every two weeks maybe it was that we were doing a lot back then but i think if you had brought it up back then i'm like where are you gonna find this because some something else has to fall back yeah no i agree with you that time if i if i did do my own thing it definitely would cut into my work so that's one of the reasons why i held off but now it's like i'm realizing like i definitely think i'm making enough money doing what i'm doing right here and now i'd like to to spend a little bit of my free time doing something maybe as more of a hobby something i'm more passionate on so i'm pretty excited about that and maybe i don't even like it because i've realized i love like creating content for other people that's so fun for me but if i were to start my own channel maybe i would love it maybe i wouldn't like it and if i didn't like it i wouldn't continue doing it so all right jack and to be fair sorry there's a low battery thing here guys but to be fair graham said the same thing to me because i had a channel before this it wasn't very active but he said i mean as long as it doesn't cut into your work and we all work a lot here so but he said uh you know go for it so yeah no i'd be fine with it just if i see anything fall back the quality of either the podcast or the second channel fall then that would be worth having a discussion about but as long as the quality is the same and if anything i think if you enjoy yourself somewhere else it's going to reflect everywhere so i agree and i think also it's like i mean but for anybody i think that the job usually comes before the hobby so yeah but uh i know you've wanted to expand on the podcast more yeah so i would expect that like that sort of growth this would be something that you would do after everything else is said and done oh yeah yeah of course i'm for it it was nervous i was really nervous to bring that up to you to be honest with the channel yeah i was really afraid of us uh i don't know because i feel like it's been like a like a weight over over my my shoulders or whatever for a long time now i just feel like i have the biggest i told you so because you brought that up too yeah you're like how would graham feel i'm like i'm gonna say yes it doesn't affect anything i don't know i'm afraid of like what what was the worst case that i was gonna say i was gonna say no or i'd be like well then i want 50 no no no i don't think you would want anything i just think like you would have felt like a little uh disapproving of it and also why yeah because you you would think inevitably somehow it would cut into my work okay so and also it's like i mean this job everything i do with you guys it's one of the most important things to me in my entire life and i wouldn't want to do anything and you guys have seen what i've done like i wouldn't want to do anything to get in the way of this so honestly do it do it have fun with it i think that a house tour is like the the the best content that you could do especially is the first video i know exactly and i it wouldn't even really be a house tour because i would love to do that on this defense get someone to live in the house uh for free but have them just do some vlog like one vlog uh no i would i wanted i would want it to be a little more hands-on and i wouldn't want it to be a vlog every time like i would try out the cooking thing and then i would try out staying in the cheapest airbnb i've been seeing that trend that looks really fun you're going to be doing what i'm doing with lifestyle content but with a finance emphasis where i don't think i would have necessarily financed emphasis i would just do whatever i wanted to i'd post a short i just have fun with it to be honest that's it you'll make one video you're gonna make the house tour video it's gonna do really really really well and it's gonna give you a bit of a false start that's right i agree i think on a new channel house tour you're picking like the two best topics right there the past two things about a channel um i'd i've well as we've seen with us to family 10 uploads 10 uploads that's where you get the sense of like what's going on so we'll see no that's fair yeah don't touch him don't acknowledge him he's going to wait right there here's who's my handsome kitty he's a handsome kitty that's all he likes you just call him handsome and he likes that ramsey such a pity such a handsome boy all right what else do we have ramsay's going to join us so macy i want to know your opinion on this what do you think of graham's starting and only fans uh like what type of only fans because i know only fans has this rep for having a very adult provocative what they do provocative uh content but there are other people on only fans like colin sameer right and they give bts content and i think if it was something a little bit more like the colin sameer i think 100 right away i'd be like yeah i don't even doesn't even bother me any like explicit adult content i mean it's it's your body into your choice on those things but i you know i i might be a little uncomfortable at first but i'll support you no matter what you want to do how far could i go on that before it you would feel uncomfortable okay well first of all i'm laughing i'm just like i'm how do you know at what point does it start like making you uncomfortable okay one thousand percent if you did adult content and then try to get me on in on it i would be a thousand percent like that's fair about solo stuff um i mean it's just like if it was anything where he was you know sexualizing himself i might feel a little uncomfortable but i'd support you i mean we're we're partners so what we do but where is the line drawn like is it let's say i'm like at the gym i got my shirt off i got like you know two weights i'm looking good uh i think where i would start to get uncomfortable but again i would support you would be anything that wouldn't be allowed on instagram like anything that instagram would see and take down i think i would start to be a little instagram would take it down that's pretty easy yeah you have to do a lot to get it taken down not really well i guess i know where the line is for girls on that uh which it would be like really anything beyond a bikini or anything topless for girls you're just like you're out just like double check you got to keep them there he's the star of the show now um yeah but i think that's where my mind would start to become a little uncomfortable but again i said i support you and what you know i support you that's what we do yeah i would feel the same way if you started and only fans if if if you wouldn't want your parents to see it then i would be i mean i'll just be against it that's the way i that's the way i see it i feel like i feel super uncomfortable half the time posting anything on instagram in general but um also like even just being in shorts i feel like half the time i'm like oh gosh i feel so weird posting in shorts or like i don't even think on my public account i have a single picture of me even like at a beach in a bikini where you can tell i'm in a bikini yeah just cause i i feel uncomfortable with that yeah so i don't know for myself i've uh i tried to get my identity verified didn't work because they don't have my id on me now but i want to i don't know obviously i'm not going to post like even even shirtless i'm not going to do that but uh or maybe if you subscribe whenever i don't know but uh i don't know i want to do it i want to see how much money i'd make in a week but i don't know what i would post you can make a video on it maybe we'll see but it's not going to be like i don't want to take my shirt off or anything but i but i could don't say that dude don't worry maybe maybe i do maybe you have to maybe i don't it's off the record if you want to get something that's really attractive of you without it being revealing all you need to do is take pictures of your arms and your whole only fantasies your arms because just do that like holding a coffee or like something like that i'll just do that and do bicep curls like cough oh with bankroll just holding bankroll coffee yes all right we'll see i i'm i'm like 99 i'm gonna start one uh because why not but i don't know what i'm gonna post you're gonna have to subscribe what you follow subscribe or what do you think uh i've heard through the grapevine subscribers i think it's subscribed that's what i was thinking too because i think it was the same as twitch yeah because why not if colin and samir are doing it i'm gonna do it too that's fair yeah all right guys so graham just pulled up the initial emails that i sent a couple years back when i wanted to work for him he had no idea who i was i was a total fan at the time extremely embarrassing i've been not looking forward to this moment for a while now but i think graham is going to read them part of me wants to do this on the second channel because it's really good but we're going to do it on the podcast because we can clip this part out and all i'm asking guys because we're not putting in on the second channel just subscribe if we're if you're at this point jack did not want to do this video for a long time two years yeah he said no to this video macy's not heard these emails uh alex has not heard these emails and uh jack did not want this getting out extremely embarrassing i was like desperate i like how you came up with the topics for this video and you bring up the emails well no i've been telling you impressions lately especially that's me the first email you sent me february 2nd 2019 the title is just lunch okay nice hey graham my name is jack selby and i'm a subscriber to your youtube channel you are truly inspire you are a truly inspiring person and a true role model for me i love your videos and make sure to like them when i watch that's good i'm 20 years old and like you when you were younger i'm not i'm not entirely sure what i want to do in life i have huge dreams and aspirations but i let stuff get in the way i recently decided to get into the real estate business because of you however i'm not sure how well it will go over i know you are in la i live in a neighboring city ventura i was wondering if you i was wondering if i could drive out to la and buy you lunch so we could talk it would mean so much to me if i could just get some advice from you or we could just talk i am by no means looking for a job or money from you i just want to talk my cell is blank or you can reach me by email please get back to me thank you so much okay so first email is great it's just lunch so a few things one it was probably way too long two you didn't offer him free food i said i would buy you lunch didn't i did you take you to lunch i think it was implied that i would be yeah yeah yeah yeah buy you lunch so we could talk yeah so i figured that you know looking back i'm like okay that's not very embarrassing although i definitely could have done a better job it's like you don't just subject something you know you know what's interesting was your dad a little bit offended or is he gonna be offended that graham's the reason why you got into real estate when he is an appraiser uh no i mean the reason why i'm so interested in personal finance investing is because you know my dad would tell me about it growing up but now i'm curious right how many emails do you see like this a day now well now i mean i don't check the email anymore but but alex would have a better idea how many emails do we get a day all the time i mean we get so many and you know if we took up everybody's lunch offer um i mean it'd be impossible actually i got uh a dm on instagram of somebody who said they love this to family they're gonna be here this saturday and they wanted to take me to super sushi wow i don't get that many and i was like wow you might be able to take it yeah listen you might you just do it yeah you're lucky it's somebody who wants to like actually go out to lunch with you usually it's people are like i can't get a hold of graham i want to take him to lunch i'm like i don't even get to you're expecting me to pass this along to graham and i'm not even getting free food out of this i'm not invited to this lunch what the heck guys yeah i get those i get this too but um to answer your question graham we get probably about probably at least 40 a week people who want to take you out to lunch and that's probably on a slow week yeah yeah wow all right so then you sent another email two days later great follow-up there okay thanks uh same email thread hey graeme i sent you a message two days ago in one of your videos you said that a very important thing to do when picking careers is pick one with the opportunity to grow you also went on to say how important becoming an assistant real estate agent is after watching over 25 of your videos i've decided to become a real estate agent i look up to you and i wish uh and i wish that i had realized sorry i should it's just it's it's weird i haven't i haven't i haven't uh looked through these emails since i first like i don't i honestly i don't think i've ever read these emails to be honest with you i picked the last one in the first one so everything in between i haven't seen it okay it's it's it's just weird seeing this back then that's all it's knowing you now okay it's derek what is it man read it man read it jack no i can't read it it's either me or jack has to read it from his mouth i'm not gonna say any of this from my mouth it's so embarrassing to come off different okay here it's not from your mouth it's from your fingers yes okay uh that sounded inappropriate yeah okay because i i want this because i don't want this to come off the wrong way okay you want me to read it yes i do frick all right all right um uh you went you also went on to say how important becoming an assistant real estate agent is after watching over 25 of your videos i have decided to become a real estate agent funny uh to be just like you see you're laughing too come on jack i look up to you so much and i wish that i had the talent that you have please graham i would love to be your assistant in real estate that is so desperate please graham i would love to be your assistant real estate uh i believe that i would make an amazing real estate agent i have a personality that has always gravitated people towards me i believe that i have the charm oh my god did you read that oh my god this is uh i believe that i have the charm and persuasive ability to become one of the best real estate agent yeah real estate agents out there that's funny i would give you 50 commission easily maybe even 75 percent that's silly negotiations i know that's literally just saying i'll give you 75 percent 550 but maybe i would pay no it's like okay yeah you'd give 75 uh i will have a horrible standard of living currently if that means paving the way paving the way to future success i will have a horrible standard of living that's that's desperate again uh please consider this graham it would truly change my life hyphen jack lloyd selby trying to be very fast wow my hands are like clammy every single time you text me because graham mentioned these emails when you when you first start dating now it says jack lloyd selby wow all right but uh okay so jack this is like because i kind of have my lifestyle channel and then i talk about relationship a lot stuff a lot this is like you went on a first date like you're going on a coffee date and then afterwards you're just like i want to marry you and i want to be the father of your children yeah yeah that's literally how it was hey grant okay this is also may 15th so this is about three three months yeah i just i just kept sitting on it man yes i was still hoping you'd reply to me for some reason yeah after a few months all right and then may 15th so he had just started working with you march may so this is three months i waited wow so he we literally both came into your life from the same place knowing each other i thought he was working for you for like two or three months before we started i had something i know i had been working because i think it was right around here yeah it was may i mean i'm not gonna get into it yet but you'll see um okay so hey graham i just wanted to say that i have so much respect for you i've been following you for a few months now and i've recommended you to all of my friends very true i've recommended him i even watched his channel with my dad yeah because one of one of my best friends was in your your friend group and uh she's once i started dating graham yeah and then i found out you were working with him yeah then she was like he literally has told all of us to watch graham yeah that's cool oh i was i was obsessed uh badly not that bad uh i got a chase freedom card because of you i got a roth ira because of you i've made a few hundred bucks i've also been constantly exploring possible real estate investments it only took i mean three years now luckily i have a good credit because i listened to you you have made me you have made a massive impact on me please respond like i said i have please respond uh i have tried contacting you before i would love to buy you dinner or something or something wherever you want to go i will drive to la i live in ventura 50 minute drive i want to assist you in any way i can because of the way you have helped me if you want you can make a video talking about how your youtube videos have affected people to increase your validity and have me on there although it's not publicity i'm seeking i just want to meet you i idolize you i also find you better than all the other youtube creators in the financial area take that kevin here is some background on me i am 20. my dad is a real estate appraiser and my mom is a kindergarten teacher i'm going to go to ucsb to study economics possibly go to law school afterwards i wanted to become a real estate agent but my dad doesn't support it [Laughter] why doesn't he support it uh he well he was a real estate appraiser yeah and i mean they i'm sure that there's kind of a a unique relationship between appraisers and yes so i think he just doesn't like he didn't want me to go into anything with sales okay i think was his idea um okay i love investing here are some things i do i have a cit savings builder account 2.45 interest rate bragging i invest in several different etfs i have some mutual funds through vanguard i have a roth ira and i have the and i have the credit card previously mentioned my financial situation is actually very good for my age so i'm not looking for handouts period please just a chat or something let me buy you dinner you can contact me email or cell phone please this would truly mean the world to me and then so uh the next one is basically me referencing a jubilee video that graham appeared on which was millionaires versus minimum wage worker right and this is the most i think just about the most desperate i got uh i i also followed up later that day also the same day also this is so bad what breaks my heart is that i was also going to sign up for that jubilee video as a minimum wage worker so i would have met you then that would have been incredible had you been on that video with me yeah that would have been insane that would be really cool at the time i was working a minimum wage job and i was so close to signing up for that video i think i'd felt no i don't know if i'd filled out the form that they sent via email but i was going i was going to sign up for it uh so yeah i said that broke my heart uh and then i said on may 19th four days later hey graham you didn't respond to my emails maybe you just didn't see them i could just be an intern for you and just do whatever you want i would work for free i i just want to talk to you i've been following you on youtube forever i look up to you please consider that do you need someone to run errands for you to sift through comments or emails to research things for you i'm an econ major at ucsb i have four months of summer right now that i can dedicate to you please man i can even edit your youtube videos i know that that's a pain for you i will edit videos for free your time is worth much more than editing youtube videos three years ago i said that i know and it is it's worth more and then and then i responded graham said hey jack sorry i didn't see the last emails i get so many what's the best number to reach you i could use some help with some random things if you want to give it a shot i remember uh seeing that email i like of just thinking about it all day and i said and i also dm'd him on instagram a couple of times we don't need to read those um and then i said hey of course my personnel sell or hey of course exclamation point my personal cell is cell thank you so much graham exclamation point exclamation point exclamation point my heart skipped a beat when you emailed me feel free to call or text me anytime but it worked and how fast did you respond back you want to know what worked though can't see yeah jack you want to know what works for me whoa whoa whoa here's what's crazy i sent jack this email at 2 35 p.m he had a full response back to me at 237 he wrote all of that and responded to me in two minutes well it's clear i didn't think about it too much because i put my heart skipped a beat and you're not i'm not trying to make you my girlfriend man i mean i probably would have at that time so some people don't know this i originally saw graham in a jubilee video that same one that you referenced and i thought he was cute and then he mentioned something that aligned with one of my uh my best friend and i had this theory called the happy hour sushi theory and it was that if somebody understood the value of going early to happy hour sushi they understood the value of money because they understood like where to save and whatever it was this whole thing and graham specifically referenced that so i thought he was cute and i followed him on instagram and then i reached out to him via just responding to one of his stories with like a joke because i figured he wasn't going to respond you want to know our first interactions it was a giant pool it was a story of a giant pool and with the temperatures like this is you know it's 110. and i wrote that's not a pool that's a giant jacuzzi and then he wrote back ha ha fax that was the that was our initial conversation i think it was romantic it was yeah i forget when i was way more into it than i was and i'm his girlfriend yeah i was yeah i remember sorting through and just like that was a funny comment and ah it's funny that was it yeah yeah yeah yeah we just started talking about pools and jacuzzis and la houses from there it's interesting how people change over time you know jack i was kind of with you too i mean uh when i put my video up i think jack was the first one to comment on there but graham didn't comment and he commented on other people's video and i was like oh that's because we called you first you're the only one in the beginning that we called oh you want to know how did you bother commenting alex you want to know how that conversation went yes i was i was in um i think i was wrapping up out of a meeting and graham runs into the bedroom and i'm sitting there and i'm like you know i'm in a meeting it wraps up and he's like holding his phone watching his videos like i think we found it and it was like we found it and then he did exist oh sorry he was holding the phone towards him he said i think we found it i'm like what because i couldn't see what was on his phone and he turned around and then i was like oh oh somebody filled the assistant position he's like yeah and then just walks out of the room i was like okay all righty then but you know what's crazy is how many emails we get jack that were that are just like yours that you sent that uh we just don't see because we get so many of them yeah how many other jacks are out there i don't know i've tried to hire a few people to do some random things uh here and there uh but unfortunately it's never worked out to my but what about one like that what about one of those emails because we get a lot of those emails yeah we almost never uh get back to them because there's so many right i think i think a lot of people in that position that are that desperate would would do something of their own a lot of people would just start up their own you know channel and start taking action like that i think so you did you think so no i know i didn't but well that's because i also had no idea how like i consumed so much youtube but i didn't even know where to start on that and i knew for a fact like i could provide value to you in any way possible i knew i and and i would do it for nothing you know so right before you guys hired me um i was going in full time on content creation and i had just gotten my first sponsorship and on tick-tock and um i passed on it after i got hired but so i i kind of get what you mean grab yeah anyways i'm sure that there are people out there that would be willing to do the kind of stuff that that i did and i'm sure graham would have done in the same position but they're it's a little tough to come by at least in my experience it's timing i think it's all on timing like i've gotten a lot of even for myself for my channel where i've had people offer to edit but editing a is one of the my favorite parts of making content i love getting in there and doing like goofy little things zoom in like you could give i could we all all four of us in this room could have the same exact footage and we'll come up with completely different videos and that's what i love about editing but i'm not at a point where i need an editor so a lot of them do move into a folder and kind of out of sight out of mind for me to go back to later yeah but i think that you just hit it on the right timing yeah no i think i i got really lucky definitely with timing as well yeah i'm gonna i'm now this is my podcast i have staged a coup and it is mine so jack now you have to name your favorite and least favorite thing about graham because i've turned this into a hot seat episode sure okay so my favorite thing about graham i know for a fact that uh i can count on him and by counting on him i know that a compass encompasses like a lot of things so like i can account um i can count on him for like a great opinion on something if he says he's gonna do something i can count on him that he'll do it you know i can count on him like i he's a great person to rely on because he he uh he always holds through so that's i think that's probably the least favorite the least favorite thing i have about graham uh probably i mean i gotta say it's probably your frugality honestly i don't think i i don't i mean i'm not your girlfriend so i don't think it's charming you know but i definitely think like it's holding you back so much what would you do what would you spend money on the person who got a new macbook computer yeah and it was a great investment a really really great investment it speeds up my editing like tenfold and also uh i think i edit way better on it because i use final cut now and i could barely render final cut i had to use imovie on my mac so what else so what do you want what do you want me to spend money on uh i think you have to forget about these little like five dollar charges even up to a thousand dollar charges man i just like because you're spending okay but you're spending your mental capacity deliberating in your head over whether or not you should pay for something for example when you're negotiating with with jeremy about buying his old tesla you're spending so much time for like pennies to you i mean you're you're trying no he wants 45 i was like 40. at 40 it makes sense no he's willing to do 44 i thought no 43 well i don't want to say i think with graham because i was worried initially we first started dating when he talked about bringing on one full-time assistant and he wanted driver and different stuff i was worried that the more he'd make the more he would change but i feel like graham's the same because of the things like this he's always kind of kept his touch because he knows what it some of those frugality things are him just he's still in touch with what it means to make every single dollar i think that those weird frugality things that maybe just for us and what we see is like it's five dollars just get over it for him it's kept graham graham and that's why still now i mean obviously there's ways that both of us have matured and grown as people over our relationship but i think it's one thing that's kept you you mm-hmm and has kept you so in touch well i was speaking more so from a business perspective i wasn't really talking about like from a personal level because i do think from a personal level it keeps you grounded having the amount of money that you have not willing to spend the extra dollar for i don't know an extra side or something like that i think it keeps you grounded in like like the normal people out here normally but but like from a business perspective because you know we do a lot of business together uh i do think it could help you uh a lot if you just what upgraded but tell me what has been money you have not told me something that i haven't done i'll say 10 things if you want me to say 10 years okay okay so one of the things you want to say something oh no i just was going to keep count for you oh sure okay so one of the first things is um uh the a7s3 camera okay that's on alex he agreed to it i said yes so get rid of that's on the way yeah well no i'm just saying that took two months two months of convincing fine it's been fine until then though no i'm just saying if you would upgrade it a while i mean do you not want me to go into that one since it's since it's salty because yeah that was an issue for i mean for the current camera's fine i've never had an issue with the camera this is this is an upgrade for the towels and your lights you gotta get it doesn't make any difference yes it does yeah any different quality yes for the viewers i think that look for a lot of them maybe it won't matter but i do think if you're going to grow you need to start investing back into your channel a little bit man it works i don't know i like the towels but okay what's the next one uh what's up oh just account oh got it okay sorry the volvo uh i think spending a thousand dollars on the volvo was just i thought that was the best financial choice i've done that was one of the best buys this year okay i disagree with that first of all because look it's funny for branding you can negotiate i use that car you rarely use that car rarely ever do you use that car you've probably used it once in the first four months that we own the car i've used it he does use it more than the tesla i will say but i just don't understand it's like you have a tesla and you also have a volvo yeah because you never know when we need an extra car it's a thousand dollars sure it's worth five four or five like it's it's i would be stupid not to buy that car that car would make me more money than buying jeremy's tesla sure okay look okay let me also i'll just say a few more things as far as the set for the iced coffee yes uh i remember i had to call you and double check and and convince you for a long time about upgrading some of the things and and buying some of the things for the set and that was that was like you it took a little bit of convincing i think it was the camera because i said we had two cannons i think what i think like what it all comes down to is i think that you should maybe instill a little bit more trust in alex and i to make some of the the more you know the one thousand to five thousand dollar decisions because i also i don't even think it's worth your time to to think about uh these little these little inconveniences for you that could really improve the business i think it's not worth your time if we say graham you need to buy this to make the business better what do you need right now well we still don't have an a7s three for the main channel you're also outstanding i'm working on getting that i still think you should have done the canon i i think canon has a better color profile yeah i think they can they tell me that so they hooked it up i don't know sony's on here you guys can make the decision for yourself we're rocking sony's uh and then uh canon is hers give me something to buy what is it something to buy yeah we did have to nag you about the wi-fi the wi-fi yeah yeah that one sucks because i would be in the bedroom and then you'd be uploading something but i would be on a call with somebody like on a zoom call and then i would just lose connection out of a meeting oh because we didn't get service in the bedroom it was i didn't get service in my mind like when somebody was uploading then i would lose service so when somebody was using a lot of the bandwidth i would just all right and that was for a solid like i want to say the first month that we had moved in that was bad it was just like a total issue you couldn't even use the wi-fi in my room all right so that was an issue uh and i had to call you to convince to upgrade the the router uh another thing was the imax i remember it had been a long time even though we're splitting the cost of those examples what what can i buy now what do we need now what do you think alex because i know you probably also have an opinion on this well the first thing that should be taken care of is those lights man you you shouldn't be having towels on your lights at this level and it does make a difference i'm telling you like look at how quality the the lighting is in here it's it's amazing we look like graham's main channel like he's totally overexposed i want to say half the person half the time okay that's graham that's graham that's his brand it's funny because oh cause we went to that youtube review of your channel like maybe get a hair light but just keep everything the same yeah even mr beast like you wouldn't change it but when you what stupid city wouldn't change anything the only thing mr b said was i think was an editor i agree with that i think you should hire out an editor i do just want to say though it's like when you when you side by side someone like ali abdull and graham and you're just like wow the production and ali abdullah it's like who's getting more views who's getting more views you but you also have more subscribers and you've been getting more views for a long amount of time but i'm just i'm just saying ali has always said better okay who's getting more subscribers you are mr beast and who has higher production quality yeah that's with totally different channels you can't compare mr beast with finance content finance is too niche yes is so general you can't you can't do that um okay graham yeah favorite and least favorite thing about jack yeah but we're running out of time so i know that's why i'm trying to let this go uh how about how about we just do the uh the favorite thing on jack and then we'll leave no no i want to know but we're running no come on i told you my least favorite thing is just make it quick we're running out of time the more we're talking about this uh the best thing about jack i like your ideas and i think you're very proactive with uh with everything that you do and uh you're always thinking about the next thing and how to make something better so i like i like that you constantly improve um the least i don't know if there's a oh yeah you have something i don't know if i have a least uh he's moving out yeah you're moving out i don't like that uh at least least least least i know what your least favorite what is it you've uh you you i mean it's it's because you guys are different but uh he prefers to take some time off as to where you would prefer to work um no it's not i wouldn't say that's a that's a least i mean i'm sure you don't like that but i do like i i would like to say i do come back swinging you do like once i once i take a break it reinvigorates my uh passion i think the only time that was bad was when you were also still in college that was tough but um now it's like you you take off like two days but you already are oh you know what half ahead yeah the only things i could think of is that there there were a few times where i was pushing to get something done like really really really fast and it's worked out in our favor and i could tell uh like for example uh on the second channel there have been a few videos there we were like i i give you the footage at like 6 p.m and it sucks but i'm like we have to get it out the next day and you're like i could tell but you but you did it and it turned out like really well we've had some of those really good videos where they've just we had to time it same with the podcast the uh uh dogecoin guy uh dogepro and uh you were just about to leave to go and visit your family i was like no jack we gotta do it you're like no we already have another episode lined up for here i was like jack we got to do it we got to do it no it's just to leave right now i'm like you got it and that was like one of the most viewed episodes that we had yeah uh in the first like two weeks yeah so stuff like that we did it we did it but i think there's that element of that you have to do things immediately and if you don't strike within that like this within 24 hours you lose the opportunity i think those are the opportunities that get the best i think sometimes you don't have like a perfect which granted you do so many other things as well so don't take this as insulting because there's probably plenty of these things exactly like what i'm about to say that i could be better at i think sometimes you have a hard time seeing trends trends trends that are going on like things or time sensitive trends i think you know what i think jack sees the trends but sometimes it's like it's it's the pain of having to drop your schedule or change his schedule last minute to accommodate that that's what i think it's understandable i know i know that a lot of times the only tough thing is usually like like if it's late and i'm like already like okay i'm done like i worked or whatever or if i'm going to visit my family and i'm already like if i tell myself i'm leaving at this time you do i want to leave exactly at that time so all right macy you want to hear my my favorite and least favorite thing about you all right let's do it okay yeah no i'm gonna oh shoot i'll make it i'll make it quick all right ready yep my least favorite thing about you the dishwasher or the dishwasher the washer the clothes washer and the dryer are always occupied yeah it can sometimes be better remember to there are clothes in the dryer right now sorry oh always it's like i always i walk in with my like my thing i'm like i'm gonna clean my underwear and then i open up the thing i'm like okay and then i walk back in my room and i come back the next day and it's the same thing and i'm like okay and then i walk back and forth it's like you just text macy yeah well i did try texting you one time and then and then you responded exactly like kind of how i thought you were gonna smile i was like okay i'm not even gonna bother we weren't home and i had certain items in that dryer that i could see it was a comforter it was comfy oh i didn't check the dryer i just checked the washer yeah in the dryer that i didn't want you pulling out because i felt very uncomfortable with you finding those items in there okay all right well that's my least favorite thing my favorite thing is uh you take really good care of me oh thanks great all right and that's it guys all right cool with that said thank you so much for watching we gotta go until next time thanks so much subscribe subscribe uh hit the like button hit the notification bell get a free stock down below in the description hungrybox oh hungryball bankroll coffee bankroll coffee you can do all of that down below in the description savannah smiles everybody thank you so much for watching smash like button until next time everyone don't forget to end the video in the middle of ascent