Hodgetwins Podcast - Money Making Mastermind! | Twins Pod - Episode 25 - Derek Moneyberg

Episode Date: August 9, 2024

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Yeah, welcome to episode 25. We have Derek Moneyberg here. Hey, thank you so much. Thank you. I've been watching you guys for at least 10 years when, you know, back to the, you know, games. Yeah, yeah. I didn't get back to that. We're going to bring it back, man. I made tens of millions of dollars in entrepreneurship. I made tens of millions of dollars in the stock market.

I made over $10 million in real estate and profits. There's some people out there that don't mind being important. They don't mind doing that much. And I don't think they like it, but they don't hurt their feelings too much. Right. If you're okay, like, you know, having a used car and a used wife or something like that. That's all right, man. Yeah.

Success enough for everybody. Not everybody's supposed to be a winner. Wealth doesn't come from the outside. It comes from within. Like you can give a bunch of poor people, means the dollars. They'll be poor in like two to three months, two to three years. But that rich person, you would be able to accrue all that wealth back in a short amount of time because it comes from within. Yeah.

I learned that from the rappers back in the 90s. Yeah. The pimping is in you and not on you. Yeah. Right. Nobody's coming to say. you. You've got to go do some shit for yourself. Right. If you want to do well in life, if you want to have

better circumstances, you have to go earn that. You have to think of like, what are the areas that I could take initiative to make things a little bit better? You know, this past 110 years, the dollars lost like 98% of its value. Yeah. To be what a millionaire, a one million in the past. You have to have 50 million today to have that same, right.

Real freedom or purchase. See, that's why I'm a millionaire. The dollar lost. If they keep their shit up, you might all be true. It could be a trillionaire. A burger might cost $2 billion, but it might be a trillionaire. Yeah, welcome to episode 25. We have Derek Moneyberg here. How are you doing, sir?

Doing great. Thanks for inviting me on. Thank you for coming. Yeah, yeah, yeah. All right, so we're going to give you the floor. Tell us about who you are and what you do, what you provide. I grew up poor and decided there was a better way in life. I didn't really care to stay that way.

How poor were you? I was talking about this with a friend earlier, like different times. Some people, you know, if you grew up with money, then you just kind of take that for granted. Oh, yes. Yeah. Everything is good. Like, oh, why do you care about money? Why do you care about?

Yeah. Right. That's true. Why are you so intense? Why can't you just relax? And, you know, so it's not a third world. I've been to 60, 65, 66 countries. And it's not like Nigeria poor.

But like, oh, shit. 65 countries? In America, like, you know, I remember being a kid. Sometimes we didn't have food or sometimes the, sometimes the, you know, You know, my parents couldn't pay the power bill or the phone bill. I remember those days as well. When you're making friends in school and it's, oh, I'll call you after school. I'll be like, oh, yeah.

Yeah. I don't have a phone. My mom can't pay the phone bill. You know, it's funny you should say that. I was embarrassed when my friends came to my house. I was as well. Yeah. Because we had this house on this hill.

Yeah. And it's right when that movie, Amityerville came out. Remember that horror movie? our house is like on the hill surrounded by these trees and it was a shithole house and it had these big trees and it was just up on the hill and the house was green so it just looked haunted

and then when I found out I had friends come up it was like oh my god y'all live here I remember this white kid one of my wife's came over he came in and the first words out of his mom said oh my god you niggas is crazy

as hell it's hot as hell in this house I didn't know what air condition was yeah yeah I thought art condition was for schools in like commercial buildings. I didn't actually think people had air conditioning in the house. It was so hot in the house. And I went to this house. It was like a refrigerator.

I was like cold and shit. Oh, my God. Yeah. Yeah. So what do you do? So I'll cut you on. No, man. I grew up like that.

And I had kind of a non-traditional life. My father was in prison. My mother was not the best mother. So I mean, everybody's got there. People got said her stories than I do. But yeah, I just thought like, it's okay. If you don't have resources for a period of time, if you're a child and you don't have resources,

like, all right, you're a fucking child. Like, okay. But like, you know, that was very frustrating to me. And I thought, like, an adult man, you should have whatever the hell you want. You should be able to make whatever the hell you want. So I don't tell other people how to live their life. But, like, you know, people come to me for help that they tend to be doing well already.

They tend to already be doing well above average. But they know they're not living up to the real potential. They know they could do better. So, you know, unlike a lot of people on the Internet that talk about money or financial things, I actually did those things. I made tens of millions of dollars in entrepreneurship. I made tens of millions of dollars in stock market. I made over $10 million in real estate and profits.

So, you know, I spent, I want to do whatever the hell was necessary to go get some money. So I was seven, I started making some entrepreneurial money doing kid shit, you know, walking dogs and shoveling snow and cutting grass and things like that back in Illinois. And then, yeah, over time, I just thought, I had my first paper route when I was 10. I had four paper routes by the time I was 11. That was my first managerial gig where I learned to outsource things and keep a percentage. Oh, okay, yeah, yeah. And so, yeah, I spent my life that way.

And later I went to college. I was a high school dropout. We were around a bunch of misfit kids. Oh, wow, really? I was in jail when I was supposed to be in high school for aggravated assault and reckless discharge. You like that guy beat the hell out of somebody. I'm going for my kind heart. Right.

No, I was fighting. You get into fights when you're young in high school age. But I'm not trying to fight with nobody. I don't want to. I don't want to fight with nobody if I don't have to. Did you have a mentor growing up? You know, that was a problem.

It's a great question. I had a lot of negative mentors. There's a lot of people around that you'd be like, you see people doing some crazy shit that clearly wasn't going to be good for their future. Right. You're like, oh, that heroin, that don't seem like a good thing for my future. I'm not going to do that shit, you know?

Right. So I had some negative mentors like that. Yeah. I really didn't have a good positive mentor. Yeah, that was very frustrating. Yeah, you know what? Today, man, like, you know, there was no internet, no anything. And if people want to, back in those days, you had to actually have somebody in person

be a mentor. Nowadays, man, I got the internet. I got like hundreds of mentors. Were you able to go online and just learn from people? Yeah, you know. We didn't have that growing up. Yeah, none of us did. I think we're about the same age.

We're about to be 50. Oh, you're not really? Yeah, I'm going to be 50 in September. 45, I thought you're my age. You're a little younger. Now, we're some old black men. Things change when you got a mentor. And, you know, I get these DMs.

I'm sure you have your version of it where people write you, you know, some similar thing where, like, you know, give me a job or do this or do that. Like, be qualified for the damn thing. Or, like, show up and do your part, you know. They earned that spot. And I was always like, I didn't give a shit about being popular. Like with normal people. I didn't care what normal people think,

but I wanted to like earn a good place in the world that you'd be like well respected by other respected people or other people that you respect, you know? Right. So that was kind of my internal thought. Like I got to do whatever's necessary to gather the right intellectual resources, social resources.

If you had those two things, you'd end up with some financial resources. and you can live your life how you want to. There's some people out there that don't mind being poor. They don't mind doing not much. And I don't think they like it, but they don't hurt their feelings too much. If you're okay, like, you know, having a tiny house and a huge wife and maybe a used car and a used wife or something like that. That's all right, man.

Success is not for everybody. Not everybody's supposed to be a winner. Right. But I think it's a lifestyle choice. That's with this little logo of this, like, choose to conquer. Like you could choose to overcome your current circumstances and earn some better circumstances if you were so inclined. Yeah, I saw this. I'm not sure with the guy's name, but he was talking about wealth.

And he says wealth doesn't come from the outside, comes from within. Like you can give a bunch of poor people millions of dollars. They'll be poor in like two to three months, two to three years. But that rich person, you would be able to accrue all that wealth back in a short amount of time because it comes from within. Yeah. I learned that from the rappers back in the 90s. Yeah. The pimping is in you and not on you.

Yeah. That's another way saying. Yeah. Yeah. Hey, um, did you, like, I think, um, we didn't have a mentor growing up. We grew up poor, but my dad had two jobs. We have a strong masculine influence on us to go out and get what we want out of life. Did you have a masculine influence for you?

You know, my father was the largest cocaine trafficker in my county's history. Self-employed. Yeah, so he was entrepreneur. He was an entrepreneur. He saw it. He saw a need. He went to fulfill it. That's true.

That's true. Really? That also led to me coming to Vegas as a child that he had some business with people here. But yeah, you know, he was gone. I had one uncle. He was also, they went to prison together. So, yeah, I was like with my mom and my grandparents. And my mom was a crazy bitch. Yeah, how so? How long we got? This is not interesting. I want to hear it.

You don't got a time frame. Yeah. Yeah, man, it's just, you know, look, she wasn't drunk, she wasn't high, she wasn't out sleeping around, but she wasn't the best mother, you know? Right, right. So, yeah, I was sufficiently frustrated with that. You know, about age 10, I had kind of a click in my head, like, and I don't say this in like in a negative or dramatic way, but just like a realization. And like, like, nobody's coming to save you. You've got to go do some shit for yourself.

Right. If you want to do well in life, if you want to have better circumstances, you have to go earn that. You have to think of like, what are the areas of. that I could take initiative to make things a little bit better. Right. And what else and what else? Yeah, like a lot of people like, when in a tough situation, they like to victimize himself, right? But you found you, you didn't, you rose above that.

What do you think, like people like you, people like us, how are we able to do that and not victimize ourselves? I think it's weird, right? Because just people see the world differently. People, like, especially when it comes to politics, people actually think politicians going to save them. Nobody's going to save you. Trump can't save you.

Biden can't save you. The only person can save you is yourself. A lot of people don't get it. Yeah, you figure that out. Why do you think some people can't figure that out? Maybe they're dumb. I don't know. It's a capacity issue.

50% of people are below average by definition. 50% of people are below averages. Maybe those people aren't made for thinking much. But, you know, and there is a narrative, you know, in mainstream media that, you know, if you buy this product is going to save you or you vote for this politician is going to save you. Right, right. If you're waiting for the government to improve your circumstances, you're in trouble. Yeah, most people are...

It's going to be bad. I never really understood this until this last four or five years, but most people are sheep. Yeah. They don't want to be a lion. They don't want to be a tiger. They'd rather just follow the status quo. The pandemic showed everybody where everybody's true likenesses is. Everybody is cowed and sheep and followers.

It is damn near everybody. It was shocking to me. The percentage of people that will just blindly follow orders. Yeah. And another guest that you had on is a friend of mine who spent a lot of time together, Jake Shields, the N.A guy. And, you know, Jake and I go wherever, and I'm not wearing some damn clown mask on my face or a fucking diaper on my face. I can't breathe through that shit. And he's that way, too.

Right. We have all sorts of... It doesn't make no damn... Yeah, it just doesn't make no damn sense. They actually think that's going to keep them from getting sick. Yeah, think about you wearing that mask. It's catching the virus. You walk home and take the shit off.

He'd take it home to your whole family. Stale mask with the virus on it If he does what he does. Now you'd have all kinds of little confrontations that, like, you know, people think, you know, you're going to kill it. I was walking in Central Park in New York and somebody approached me and said,

you're not wearing a mask. Like hysterical. Outside, right? Outside in the fucking park. Like 3 p.m. 3.30 p.m. daytime in the park. Damn sun out.

Yeah. And this person was hysterical. And I said, get the fuck out here for a cough on your bitch ass. Get the fuck out of. It's wrong with you. Yeah. Why are you wearing a fucking mask?

What's wrong with you? You know what's crazy, man? I support the men in blue, but they was out there pushing the mandates and pushing arresting people. Yeah, New York. And I support the men in blue, but don't forget who they really represent. They don't represent the citizenry. They represent the police department, the government.

They didn't enforce their rules, not to protect our rights. They put a lot of law enforcement people and military people in a bind to there, too, that, you know, if you don't want to take your injection and your, you're eighth injection and your 12th injection and wear your fucking diaper on your face, then a lot of the best people acquit those jobs or refuse to comply with them. Yeah, now you've got the sheetboard running on. And I think that's very intentional. I think it's very intentional that, you know, politicians don't want people that are, you know,

thinking independently and have some sense of honor or masculinity. They don't want those people in positions of power. Right. So you made your money in the stock market real estate and now you're helping other people. What I do ain't for everybody. I'm not here to like push a program or something. I teach three courses. I teach a 12-week mentoring course about entrepreneurship.

I teach another 10-week course about stock market, 10 more weeks about real estate. I need that one on stock market. You know what? My portfolio, I've been a lot of crypto. I got whole precious metals and I own stock. About, I say, three months ago, my portfolio was up. A little over 120%.

No, it's more like 200%. Yeah, yeah, I think it was around. Yeah, it's more like 200%. Some of my things I was up 20, 6,000% in. Crypto is very volatile. Since everything's starting to pull back. Yesterday. Like the last four weeks, really started dumping.

My portfolio is down 40%. Yeah, that was a lot of money. I woke up down over a million dollars today. Yeah. I could show you a screenshot off camera. Right. Yeah, I was down over a million dollars when I woke up And when the market closed, it went a little bit my way.

So now I'm only down $600,000. I'm still in a good mood about it. It's okay. I mean, how do you stay positive? Because I was going to just bash my head in the wall when I woke up. Well, a lot of people, it's a buying opportunity, Keith. I said, keep, come on, to buy more. I don't get upset when I'm up $2 million, $3 million.

If you're up $2.5 million a day or I had a good week a while back, I was up $4 million and change. And, you know, I'm not exuberable. brunt or, you know, too goddamn excited during that time. Yeah, you keep an even-keeping. Because you know where that money's going in the future. Just don't set it sound. Yeah, ideally, I don't even want to spend the money in my lifetime.

I'm saying, having a conversation about that with friends. They're like, well, you know, what's the end game or what's the point of, when do you stop investing? I'm like, well, Warren Buffett's 93. Right. And, you know, he's got $135 billion. Right. And he still wakes up thinking about his investments. Right. Right.

Is he going to spend that money on something? What the hell is he going to buy? Right. to buy. He's just trying to buy stocks. So if you really did a good job, if you really did a good job with your portfolio, you'd never spend that money. It's just there and it gives you some peace and security through your lifetime.

That's good outlook on it. Yeah. Yeah, yeah. So, I mean, I have a preference. I've tried both when you're up a lot of money in a day or down a lot of money. I do have a preference, but I don't get, I don't get very excited when I'm up and it doesn't hurt my feelings when I'm down. It's like, am I engaging in the right behaviors that would lead to good outcomes in the long term?

Right, exactly. I think that's how you have to think about it. So what were your programs again? Moneyberg mentoring is about entrepreneurship. We have one called Markets Mastery about stock markets, global markets in general, but primarily stock market. And the third one is about real estate. And real estate investing in how to build construction elements

and how to build portfolios of real estate and whatnot. We just gave away the cheap Rubicon, the good old ip. Good dude. You're making families great again. Yeah, hey. But I want to show y'all the new giveaway. Oh, man. We're really going to be your two favorite black guys.

See this? He won't too slow. Shut up. Dixieland, with our giveaway, giving away. A little. Southern Pride. He gave away a general league. 1969.

Dogs Charger, 426 Hemey. It's a lot of hemmy. Come with $10,000 in cash. I gotta ask you, who's your favorite two black guys? Go to Fincherhardtweens.com. Anything you buy on the site, get you automatically. It'll win. Yeah.

No purchase. necessary. Boardware prohibited C of this rules for detail. Yeah. Have you heard about the new laws they're passing here in Nevada about our real estate? I think it's across the United States. The Airbnb or something else?

Not the Airbnb. They change how the commissions are paid. Who's going to who's going to pay for the commissions? How do you think that's going to affect the real estate market? I mean, I don't think it's a great thing. That, you know, especially in Las Vegas, there's, you know, everybody, they come to Vegas and, you know, they're like a manager at a nightclub

or like a host at a nightclub. And then when that person gets frustrated in that industry, then they're like, I'm going to be a realtor. Well, that lasts, you know, two months. Right, right. But you're creating a circumstance where people that have been well compensated and actual professionals

are not really incentivized to want to play along with those new guidelines. Right. There's a friction point there. What's the new guidelines? A lot of realtors is telling me that it benefits, like the black rocks of the world, big corporations who's buying homes.

It hurts the American people. Yeah, what are the new guidelines here? Tell me if I'm wrong, but like when you buy a house now, like if I go buy a home, the seller pays the commission of the realtor, right? Just as a brief example, if you bought a property for a million dollars, then in most environments it's going to be about a 6% commission.

Right. And that 6% commission will get split, you know, tends to be four ways. So the seller pays the commission. So if they sold the home for a million dollars, it would be about $60,000 in commissions. Half of that is going to go to their realtors brokerage firm. Half is going to go to the other realtors brokerage firm. And then they'll split it there where the realtor themselves ended up with one and a half percent. The broker got one and a half percent.

The other realtor got one and a half percent. The other broker got one and a half percent. So they're making $15,000. You know, your realtor can make $15,000 of that $60,000. But they also have marketing expenses and overhead to go advertise your home and whatnot. So, you know, I mean, you don't think the old system was bad. I talked about the realtor. I just made a, today I got to sign a contract back for a piece of real estate and purchasing for low seven figures.

And I don't mind the old system. It works that you could have a competent person on the other side to do a lot of legwork and do things for it. So now the new system is the buyer, he has to pay those commissions, right? I don't know every detail of it. I don't want to say it. My understanding is, you know, similar to like the British system, but, It's like that the buyer has to sign off and agree, you know, are they going to pay a commission? Imagine you want to, the buyer is let, you know, no, I don't want to pay a commission.

Nobody's going to show you houses maybe, you know? Right. I don't know. I think the old system's been working just fine for all of our lifetime and longer, and I don't understand the desire to change that. Yeah, I think it's, I generally think they want to make it harder for Americans to buy houses and make it easier. I mean, corporate buyers, like BlackRock, they got the money and the $40,000. to buy all these homes and pay the commissions. An average American doesn't.

It's going to make it harder for them to buy home. Well, that goes in with this, you know, you own nothing and be happy comment from World Economic Forum. And I think any of that is very dangerous. If a person's not alarmed by that, then they're really not paying attention. And they don't understand the consequences longer term of not paying attention now. You know what's so striking about that? You don't hear anybody talking about it.

No Republicans, no Democrats. But it's a Democrat bill, right? Yeah. Yeah. Left-leaning bill. But Republicans are not saying anything. I think it paid by the same corporations in the same foreign countries. They do.

I don't think there's a dramatic difference. I've never thought of myself as Democrat or Republican for most of my life. I loosely thought of myself as a libertarian. But they're crazy as hell too. And when you get into little niche pockets of that. Yeah. Well, you think which side is more crazy? you. If you had to pick

who's the crisis? Is it Democrats or Republicans? I call them Democrat. With a P. Democrat. Yeah. No, that's become the Communist Party. You shouldn't think about it as a Democrat

in a traditional way. Yeah. You know, somebody... They're not liberal anymore. Somebody like JFK from a few decades ago would be, you know, an extremist. Everybody's an extremist today if you had normal thoughts from a couple decades ago.

Right, right. Definitely. Even in their own party, it's shifted so much that it's just, they're more communist than the communist sometimes. Yeah. No, some of the policies are more asinine and bad for the people. What they do in China and Russia and other places that are openly communist, they at least care about the country in some way in the long term.

They don't give a shit about the current citizens, perhaps. But they do care that the country exists in a thousand years. And over here, they don't care about that at all. Yeah, they're just worried about power and keeping it. The Democrats? I didn't understand that until, you know, 2020, when I thought to myself, you know, all the political rhetoric we'd hear over our lifetime, I think to myself, you know what?

Like, the United States is like 4.6% of the world's population, like 26, 27% to the global economy. Like, whatever politician, they'll say whatever to get elected. Right. But I never thought they would really fuck things up afterwards. And then I realized later, I'm like, oh, like, they don't, they don't care if their favorite restaurants go out of business. They don't care if their favorite retailers go out of business.

They don't care if 95% of the economy is destroyed as long as they control that last 5%. They're more concerned of that power mechanism than any other damn thing in their life. I think that's why a lot of people resonate with the things that Donald Trump say. It comes off genuine. Most people wouldn't say some of the things he says out loud. Like on the left, everything is just a lie. They're like camillians. They just, they address whoever they're speaking to.

They put on that face. They put up that facade. just like the whole Kamala Harris thing. When she's around black people, she wants to consider her as being black. So she talks black or she talks about black topics. Yeah. And then if someone calls her out for it because they're being so disingenuous on the left, he said nobody really cares about what a race is.

But we care because a lot of black people is going to vote for her, simply because you say you're black. That's the only reason why we're talking about. If black people wouldn't so easily tricked or dup, we wouldn't care about it. But that's very important to most, I would say, black feet. Not as much so much for a black male, but a black female, their identity, the blackness, it's the whole identity. And they're so easily manipulated and tricked. I think the people that talk about this race thing so much, like the most racist people.

Like, I wouldn't give a shit. I'd do business with an alien. I'd do business with a sea creature. If you, if there was a, yeah, out here there's Lake Mead. But for other coastal people, maybe you live next to an ocean, a lake. If we could go to Lake Mead And somewhere down there There's a little volcanic vent

That spits up some toxic chemicals And it's too damn hot for us to go there But occasionally a few diamonds bubble up In the toxic muck If there was a little fish If there was a fish that could go over there And collect those diamonds in his mouth And meet you on the shore

Every Tuesday at 9 a.m. And he liked crackers. He loved saltine crackers. Would you ever be late with his fucking crackers? No, no. He'd bring you a mouthful of diamonds every Tuesday at 9. Are you going to be late with his crackers?

I got a box of salt things waiting for. Would you give a shit where color of the fish is? No. Would you care of head, jagged teeth? Yeah, that's not my argument. My argument is they being disingen to using it for political points. Like, Republicans, we don't care of this. She's black, white.

We don't care. It's just you got to understand from, you're like, from my culture, black people, we've always voted Democrat. So it is not important to you, but it's very important to black people. 95% of black people vote for Democrats. So when a person comes out who claims to be black, but her whole entire career, she says she's Indian. All of a sudden, she's black. That says something about how genuine a person is.

I don't care one way or another. I do business with anybody. I don't care if you're black, white, liberal, or anything. I'm just trying to explore it out. I'm just trying to explain that they are exploiting people that it's been exploited since the beginning of time. I understood your point. I don't disagree in any way. I just elaborating that they're incentivized to perpetuate this, you know, racism, racism, racist.

People that aren't racist aren't sitting around thinking about racism all day. They're just living their life and doing business and trying to be industrious and accomplish something. Right. They have for business, too. Playing a race card? Yeah, Democrats use it for power, though. Yeah. What's your first break in entrepreneurship?

How did you, like, become a millionaire? there? I did things with real estate, but you know, to do that, you know, significantly, I had to go to, I mean, it was only 15 years or something to go do something. I had a million dollars just after my 29th birthday, and that was mostly from real estate at the time. So I was managing rental properties when I was in college. I was a high school dropout, so I had to go to community college, and then I got some scholarship money to go to a decent, you know, private university. Later, I went to university, Chicago for graduate school, which was the number one-ranked business program in our country. MBA? Yeah.

Oh, okay. So you were able to earn most of your wealth through real estate? Yeah, the first parts of that were real estate related. And then even in, you know, 08, 2009 recession, I was buying a lot of casino stocks. I knew Las Vegas. I grew up out here, you know, back and forth here, and I spent a lot of time in Las Vegas over my lifetime. And I've seen Las Vegas Sands, which at that time owned Venetian Palazzo, if they'd restructured some things there. But LVS at that time was like Venetian Palazzo, and then they owned, you know, B, you know,

big properties in Macau. Macau was near Hong Kong for people that don't know. But nobody knew what the hell Macau was at that time. When I first went to Macau in 2009, this is the gabbling epicenter of the world, not Las Vegas, Macau. And the stock, Las Vegasans went from $155 to like, I start buying it with $6. And then it went down to four and I doubled that position. Then it went down to two and I doubled that position. So I went it for $3.50 on average.

You got balls of steel. It went down to $1.38. You don't feel too smart then. There might have been balls, but you didn't feel too brilliant. Right, right. You paid $3.50 and it's $1.38. And you don't feel great at that time. So later, I sold it for $42, 44, 46.

It went to $89. So I could have held onto it and done better. But, you know, that was a first. You know, I made, you know, a million dollars and changed from real estate. But that's when I could really start multiplying some money. They went from like $4 million, from like $1 million to $4 million. And then at the last recession, that's why I went back to grad school. I didn't want a job.

I have had a job since I was 19. But I went back to grad school, so I wanted to know every little nerdy math thing that, like, what are those Indian kids, Kamala's family, the ones with the nerdy boys with the thick glasses from Kerales family. What do they know about finance that I don't? What do they know about math? They're all mathematicians. They're all mathematicians. You have to understand the math.

You have to understand human psychology as well. How are those crazy humans likely to behave in various circumstances? So those two things help you an awful lot. Yeah, I had to go get mentors for that. You asked the mentor question earlier. I had to go find mentors to help me, you know, through college and with business. And, you know, you try to figure things out by yourself. You can be dead before you learn the things you need to learn to do something substantial.

How do you feel like a majority of my net worth is not in a bank account? The majority of my net worth is in real estate, stocks, cripple. crypto precious metals. I would say over 90% of my network is in assets. I don't keep none of my money in the bank. I don't want cash. Yeah, because it's the slow. A lot of people don't understand. Like, I have to tell my wife there, she keeps putting money in a savings account. I say you're losing money every day and you don't see it. It's true. Inflation is a tax on people that don't understand math. Right. Inflation is just another tax. My wife, dumb it math. If you, she must be good at some other things. Oh yeah. She's good in some things. But making money, taking money and turning into money, she's bad at. I say that with respect. Yeah, yeah, yeah. Yeah, I mean, if you looked at the history of the

dollar since the Federal Reserve Bank, that's, what, 1913 or so. And, you know, this past 110 years, the dollars lost, like, 98% of its value. Yeah. So if you think of what a millionaire was, you know, 100 years ago versus today, to have the purchasing power that a million, you know, a millionaire, People say that word like it means something. You know, you buy a million dollars. You could buy a really nice parking spot in Hong Kong. Right. I'm buying a parking garage right now for about a million dollars.

You know, you can't buy a nice house in like, you know, in a big city. But a million dollars 100 years ago, if the dollar lost 98% of its purchasing power, which is true, you have to have 50 million today to be what a millionaire, a one million in the past. You have to have 50 million today to have that same, you know, real freedom or purchasing. See, that's why I'm a millionaire. The dollar lost. If they keep their shit up, you might all be a trillion. It could be a trillionaire.

A burger might cost $2 billion, but it might be a trillionaire. Hey, Derek, what do you feel about 401K plans? I don't think about it at all. This is very, you know, peasant thinking, like middle class. that, um, yeah, I don't have a form.

It just, if, if that's what you're thinking about, if that's what a person's thinking about is, you know, oh, my IRA, I can contribute $6,500 a year to my IRA and, you know,

over, over 40 years, I could have a few hundred thousand dollars plus some gains in there. Like, right. What are you going to buy with it? You're going to buy two cheeseburgers in the future.

Yeah. So, you know, I get it. Like, but these are like political schemes that, in my opinion, are just a distraction for middle class people. Yep.

I think it's like one of the worst, worst investments, because if you try to take that money out, they're going to penalize because you're hurting their investment, the government. Because really, I see an IRS, I mean a 401K plan is a retirement plan for the government because when you go to access these funds, you're in a high tax bracket. If you go before and take that money out before you retire,

they're going to penalize it because you're hurting the government's retirement plan. I think they're a horrible investment. A guy told me that's not a real investment or a retirement plan for anybody. that's a citizen of the country. It says it's more a retirement thing for the IRS for our government. They have more money. I totally agree. It's just a distraction for people that aren't smart enough to understand that it gives them

a false comfort of like, oh, I've got a retirement plan. If that's your plan, there's no plan, man. Right. And to your point from a moment ago, like, you have to own real assets. You have to own things that are inflation neutral or assets that benefit from inflation. Right. And that goes back to real estate as a primary, in my opinion, or, you know, infrastructure. In 2020, I was buying a lot of natural gas pipelines, oil and gas infrastructure,

and it was so cheap at the time. Right. You could buy, I mean, there's a company called Energy Transfer. I wouldn't buy it right now. I was paying $4 for it. It went down to $3.75. I was buying it for $4 or $5. Now it's $15, $16.

They pay a great dividend, but I wouldn't buy it right now. I'm not endorsing that stock, just to be even an example, is that, you know, if they own $170,000. thousand miles of natural gas pipelines, oil and gas pipelines. If that company doesn't exist, if that infrastructure doesn't exist, people die. So, like, for them to make money, all you have to believe is, like, will it remain popular to heat your home in the winter? Would it remain popular to heat your home?

Probably, yeah. Yeah, yeah, yeah. Well, like, electricity remain popular? Because you've got to burn their natural gas to create electricity in certain regions of the country. If you don't burn their gas that goes through their pipeline, there's no electricity. Right. So whatever their political affiliation, like, you think people would like to have electricity? Of course.

I suspect so. Yeah. So, you know, if they want to have electricity, then I get paid. Yeah. If they want to have heat in the winter, I get paid. If you want to cook food, gas or electric for your family, I get paid. Yeah. So I like to buy very simple, boring things that are out of favor.

And I like things like that, real estate, infrastructure, like. Something with utility. What if the power bill costs three times as much? You guys are going to be, like, in the dark with your family? Like, you're going to forget about your air condition? You got to pay it. Yeah, you're going to figure out where we're going to get that money. Yeah.

So I think I like to buy things like that. Some people love, you know, natural metals, you know, silver or I like some gold jewelry, but, you know, the thing about gold, in my opinion, or so I do like it in a doomsday type scenario or in a very bad scenario. It's nice to be able to, like, you know, hand your gold AP to a border agent and go somewhere where your family's not going to be executed on the other side, you know? Right. So I think gold is nice for barter or trade in extreme situations.

Yeah. That makes a lot of sense to me. But, you know, gold as an investment is like a, you know, like a large store of wealth except for having the thought of like, oh, in an emergency, this is going to be the natural currency that we can use for trade and get things done. Right. But like if you're paying for gold versus, you know, real estate or infrastructure, is like, Well, you know, the last hundred years, gold basically did what, it just follows inflation, more or less.

Right. It just follows the devaluation of the currency more than anything else. And if the gold price goes up high enough, guess what? The gold miners go dig out more gold out of the ground. Right. And, you know, if you owned real estate, if you owned like farmland, you know, whatever, any good quality real estate, like, it's hard to produce new farmland. Right. It's a lot easier to dig some more gold out of the ground.

It becomes very viable. Yeah. value of silver, gold has been steadily rising while the value of the American dollar has been falling. Purplebar.com is changing the game, making it easy for all of us protect our financial futures. The balls are perforated so they can easily break apart and can be conveniently exchanged. Go to purplebar.com and use promo code hogs twins and you get 5% off gold bars. And you get 10% off silver bars.

Yeah. Yeah, like when I first moved out to California when I was in military back in 94, man, I was stating in MCS, testing, California. And when I got out there, I remember I was looking at the homes. I was like, oh, my God, these homes are $250,000. Orange County is crazy. All those homes are millions of dollars. Yeah, millions of dollars.

It's because inflation. So let me ask you, what do you think, do you, let's say Trump gets back in office. Can he do anything about inflation? Whoever is going to be in office is going to be more inflation. But they're just going to be less of it than, And, you know, if you have inflation because the government's spending money on infrastructure, you know, military spending, or half of the military spending is good. Half of it's, you don't know where it goes.

There's got trillions of dollars missing from the Pentagon. Imagine that you're like, I don't know where those two trillion dollars left. Right. But there's no consequences. No consequence. I don't know. Right. Imagine doing that with your personal finance.

Oh, yeah. But in any case, look, I miss Donald Trump every day. But I know, I hope he gets elected. Right. But I know when he, you know, I hope he gets elected. If he gets elected, he's still going to do something crazy that pisses me off. Right. Right.

But, you know, I do think he sincerely cares about the country. Yes, he does. I think he's good for the long-term future of our country. Right. And I think, you know, whatever little annoyance that might come up that we might have a different thought about something or, you know, I might like some specific policy, you know, if the other people get elected, like much higher probability, I die in a concentration camp or something.

Right. Much cruelly, though. Yeah, literally. Right. So, you know, whatever, I'm willing to tolerate whatever little inconvenience or annoyance might come up. And, you know, I've met the man a couple times. I think he's a great man overall. I think he cares about the country.

And I don't know who would be better for the country than him. I think he's the best leader that we could have right now. Yeah. So I support him. Because of the stock market's crushing, everything's crashing, like worldwide's crashing, right? they said we're going into a recession and that they're going to cut interest rates by about 50 basis points, I think you're saying? Half a percent.

Half a percent. Personally, what do you think, from your perspective, what the economy's going to look like six months a year from now as they start to drop interest rates? Well, when you lower the interest rates, you have more inflation. But that lags, that's a lagging indicator. Nine months later, you'll start seeing that come up. And really, they should have done that, you know?

If they would have done that in May. It's too long, right? In my opinion, yeah. If you had done that in May, June, then we wouldn't have the current circumstance where the, you know, the Niki, the Tokyo Stock Exchange was down 13% yesterday. Right. That's nuts. The volatility index, this might be a little too nerdy, but like the volatility index was up 180%. Their volatility rate was like triple overnight in the NICA.

And when I looked at stock futures this morning, the U.S. volatility index, the VIX was up 60%. And then through the day, it was floating around 40%. So, yeah, we have a lot of volatility now. We're going to have more. Whoever gets elected, there's going to be more inflation. And it goes back to, like, if you don't own assets, if you have a savings account instead of, you know, infrastructure, assets, real estate, at least some, you know, silver or gold,

something that's going to be at least a natural hedge for inflation, you're in trouble. You're losing money. I think you're 100% right about that. Yeah, that's the biggest thing. Every American needs to do regardless of your political, affiliations, if you don't have assets, stocks, gold, real estate, cryptocurrency, Bitcoin, you're going to get poor by the day.

Yeah, that's a fact. Yeah, regarding inflation and whatnot, politicians have to do that. That's the state of things now. They're not going to go back to like a gold standard currency. We're not going to go back to something like that. So they've been playing this shell game forever. But yeah, you know, half a year or later, inflation's not a bad thing for me. Inflation's not a bad thing.

Because we hold assets. Yeah, I don't mind it all. Like I sincerely don't mind at all because I'm just like, all right, regardless of the price of natural gas, it's going to remain popular. Regardless of the price of electricity, it's going to remain popular. People are going to prefer to, like, live in houses instead of, you know, on the street somewhere. So I'm going to be good. you know, people that don't own assets, they're not going to be good.

And, you know, what you said about stocks, too, if you have stocks that are, you know, income producing, if the stocks are businesses that are, you know, they control income producing assets, you're going to make money. Because I'm going to be a beneficiary. When they, all this crazy inflation had, when they did all the $7 trillion, right. A normal person don't know how many zeros is in a trillion. So it's 12 zeros.

Seven with 12 zeros. They printed in, you know, 2020, 2020. I made $42 million in less than two years. I added an additional, you know, after taxes, after, I added an additional $42 million to my net worth at that time. And I don't, it doesn't matter to me. I'm going to be a beneficiary of that. But I think a normal person, that's the dangerous part,

they don't understand that if you don't have good assets, if you think like, oh, I need to sell stuff and have more cash, I need more liquidity right now. Like, no, you're going the wrong way, man. I stay away from cash. I don't want cash, man. Yeah. I don't want cash.

I'll keep a couple hundred thousand dollars around and, you know, like just, you know, for my business, just spending, you know, like to pay the bills and, like, pay expenses for business and everything else goes back into the stock market, stock market for real estate. I want to ask you this question. Black people want reparations for, you know, what happened to our ancestors and things like that. They don't really understand the detriment that could have an economy. You think inflation is a problem now? Yeah. How many black people are in our ancestors? in America. This is around 40 million, I think.

40 million, and I think they're up and down with the number. I've seen some guys see 1 million, 2 million. I was like, come on. That's how much they want? Yeah. Do the math on that. I think that's in the quadrillions. I mean, if the government ever paid out reparations,

that dollar's worth nothing. No, I think it's 120 million of black Americans. Can you look there out real quick? I think it's 100. I forget. I forget how many million people in U.S. Oh, yeah, watch this. I'm going to bring...

340 million. 340 million people. Okay. In America altogether. I think... I believe about 13% or have African heritage. Exactly.

Something like 40-ish million. So I'm going to take 13 million. If you're the president of the United States and you want to stop hearing these black people cry, how much would you give them in reparations? I'd give them zero. I mean, but if you... It's more than 13 million...

13 million blacks. 13% times 340 million. gets you back to that 40 something million, I think. Times 13%. Okay. Okay, it's 44 million. It's like 42 million. That was in 2022.

Okay. So we got about- It's probably less than because they kill all their kids' babies and abortion. That's a fucked up joke, but whatever. So you got 44 million people. Let's just say you're going to pay them 50,000. Just 50,000 reparations. Right?

50,000? They ain't going to take no 50,000. No, I'm going to be cheap. I'm going to give them 50,000. So they'll shut up. Right. Times 50,000. Yeah, you got to turn the phone sideways.

I was waiting for that part. What is that? How much is that? Let me see. One, tens, thousands, ten thousands, hundred thousand. That's only $2.2.3. And that's just $50,000. They want $20 to 40 times that amount is the number you're saying.

So you're going to add $40 trillion, $80 trillion. What's the deficit right now? $34, $35,000? Yeah, so you're going to double the deficit is already crazy, right? You're going to double that? Yeah. But see, Democrats are so disingenuous, they bring this conversation about. blacks and that's why they keep voting. They don't realize

that this country's actually broke. Yeah. It's worse than broke. Yeah. We're negative. Yeah. They don't know that. They don't know they've been used. Slavery happened forever, man. Slavery happened. Happened to everybody. All the written history.

In Europe, there's, you know, there's half a dozen countries of, you know, Bosnia, uh, Herzegovina, Croatia, that whole part of the country, uh,

continent over there. It's called the Slavic region. That's where slaves came from for 1,500 years through all the Roman and Greek times. It's called the Slavic region because that's where slaves come from. And those are white people. Yeah, right, right, right. And then furthermore, you know, I'm not a historian of slavery, okay? Right.

But my understanding, in the United States, a lot of people that were historically slaves here came from central Africa. So do you think that Caucasian people were pulling up on the coast of air? Africa. I've been to Africa. I spend about five weeks there. Do you think Caucasian people were showing up on the coast at the port? And then they trekked inside, you know, 800 miles, a thousand miles to go to, Congo or... They don't realize that. Yeah. So where, how did those people get to the coast? Oh, the coastal Africans, brought the central Africans to the coast and sold them. Yeah, yeah. And that's, life and that's history. And that's history. And that's history. It happened in the Middle East. This is more than, you know, five thousand years. All the written history that's been happening.

before then. Yeah, a lot of people don't know that. My ancestors were, you know, I'm 25% Native American. My mother was half. Yeah, what's your background, ethnicity-wise? Half a Jew, and I'm not religious at all, but I'm half a Jew and 25% Native American and 25% some other European stuff. Yeah, your ancestors, man, they've seen a lot.

Where's my Jew reparations? Where's my Native American? Where's my Native American reparations? I don't want them because what you're saying is right. It's like you're just banked up to the country and the money is not worth anything. And I don't think you deserve it too. That's the most important thing. I don't think anybody does.

shitty things happened to everybody's ancestors. Be fucking grateful. Think of it. Be grateful you live here. Everyone. Everyone had ancestors that, you know, it was the normal course of human history that all of us had ancestors that struggled much more than we did. Oh, yeah.

It'd be a dream for our ancestors to have the current opportunities and circumstances. we have. And how disrespectful to be a fucking whiny bitch and complain and complain about not just the slavery type of the multitude of things that people crybaby about today. They called me the wrong pronoun or some shit.

Shut the fuck up. Some people just like the like you said, these are just weak people. It's like hitting the lottery being born in this country but they sit here and victimize themselves. The people that complain like that should immediately be

like their passport should be revoked. They should be sent to one of these other shitholes that they think is better. They should be sent there with no opportunity to come back no matter what. You know what I find is so disgraceful. You've got so many people here don't have allegiance to our country, but they

have an allegiance to another country. I was like, why are you even here? If you've really felt that way, go live there. Yeah. I agree. Yeah, it's like talking to a brick wall. There's all this you know,

Palestine, Israel, Palestine, and there's assholes in Israel and there's assholes in Palestine. Yeah, right, yeah, right. And their ancestors were assholes and their ancestors before them and the ancestors before them.

And, like, that don't mean all of them, but there's, there's plenty of assholes to represent those two subgroups and every other group in the country, in the world, rather. So, I don't know, you know, people, people get sucked into the media cycle of,

you know, whatever, like, we support this or, or that. And like, it's as stupid as those damn masks. You've got to be able to think a little bit. If you can't think for yourself, how are you going to have good outcomes in life? Right. If you, if you stand, you know, Denzel Washington had this great quote. I don't know if his original quote, but he said about the media that he said, if you don't watch the news, you're uninformed.

Right. And if you do watch the news, you're misinformed. Right. Right. Yeah. That's a beautiful quote. Yeah. I think so.

Like journalism today, it's like people don't realize that the journalists are so-called journalists. are not there to feed you information. They're here to push your narrative. A lot of people don't realize that. I did an interview a couple years ago. I remember first, ABC or NBC, it was one of the big networks. And it's like one of those pre-recorded,

like eight-minute pre-recorded things are going to put on a show, you know, two days later or whatever. And so we knocked out a little interview. The woman asked me about the topic of political correctness came up. And I said, well, you know, anybody that values the political correctness,

over factual correctness, which simply means reality, like the world as it is, just reality. Anybody that thinks that political correctness is a superior model, like you deserve the terrible outcomes you're about to experience in life. Yeah. So we finished that little excerpt, and she's like, you know, do you want to be shoot that? I literally didn't know why. I was like, right?

And I'm like, you know, I thought it went pretty well. Is there something? And she's like, you know, well, you know, that thing. And I say, hey, this is why nobody gives a shit about your news stations anymore. Yeah. I don't give a fuck. I add more credibility to your fucking network than your network does to me. People that know me and know I'm not full of shit.

People that know you. So if you don't want to air it, that's cool. I don't care. But I'm not going to reshoot it. I don't care if you're air it or not. But I'm not going to reshoot it. So they put it on the air. Step two.

My team does exactly what they should do. They find that most old biting clip and they go put it on Instagram. Right. Instagram takes it down. is there's no profanity. There's nothing. It's just that, you know, if you're not allowed to talk about reality over these crazy political correct models.

Right. That's scary. It violates the, you know, community standards or some shit. Yeah. That's the only way we can fight back is through freedom of speech. And it's scary when he's censor us. I think so. I think it's a lot more, you know, damaging to the future

than people seem to understand. Yeah. So those same people that, you know, maybe they're like, you know, oh, who cares about money, money, money. money is your freedom. If you don't have freedom of speech, if you don't have freedom to control, if you don't have property rights, like, you ain't going to have any freedom. You ain't even going to be in the tiny house with a big wife. You ain't even going to have that. They just going to have the big wife. Yeah, you're going to be living outside on a big wife. The big bitch going to be

starboard. You're going to have to use her for a pillow. I like how you say bitch. It's unique when you say bitch. Bitch? Yeah. I like it. Something have a good... Don't be a bitch. Protect your freedom of speech. Yeah. And get some money. Yeah. Protect your property rights.

You're trying to take all these things. Yeah, money is the key to freedom. I hear people say shit like, you know, there's more to life than money. There's more to like... Oh, that's a poor asshole saying that. You know, there's more to life than water, too. Yeah. And water isn't everything.

Yeah. Oxygen. It's not everything. How fucking long you want to live without oxygen or water? Yeah, they're talking extremes and absolutes. It's just... What a dumb-ass thought to have? There's more to life. Yeah, money is just the thing that's going to like help your family, like eat.

Yeah. Help your, you know. Be comfortable. Yeah. Yeah. Yeah. Be safe. One million dollar net worth.

There's a study about this a decade ago. It adds 11 years to your life expectancy. 11 years. Just one million dollars. Just one million dollars. Because you're living in a safer place. You have more safety, more security, better access to food, health care. Stress.

Yeah. Yeah. I remember when I was broke, man. I remember going in between my couches. looking for a loose change just to be able to get to work. I remember when it's kids, our first house, we didn't have a bathroom in it. It's just when you pour like that to that extent, it's just so much more stress. You weren't about simple, little, minute, trivial things, and it wears on you over time.

Makes you smoke more. It makes you drink more. My ancestors, as I mentioned, were Jewish. So when I, still today, when I go to the airport, I go through airport security. And, like, you know, if I find a nickel or a dime, I get so excited. I'm still picking up, changer. Right. Looking for those little opportunities. Right.

Or, you know, a refill in a water bottle. I'll bring a couple empty water bottles with me and go fill them up in the airport lounge. They want $6 for a bottle of water on the other side. I know. That's not good use of your assets. So you steal tight with your money. You still try to stay.

I love to spend money. No. But on the right things, right? I buy some stupid shit, too. Yeah. I spent $800,000 on a Rolls-Royce. Yeah, I saw that. That's a nice car.

The purple one, right? Yeah. Yeah. But a purple phantom, the extended one, with a bunch of custom shit. But you're not wasting your money on stupid trivial things. I'm not going to spend $6 on water. Yeah, yeah, yeah.

I can spend $800,000 on the car because I didn't spend $6 on water. Kind of true, though. Right, right. It's a series of decisions made like that. Yeah, yeah. People think shit's accidental. Like, you know, you hear the same type of nonsense. Oh, it must be great to be lucky like you guys.

I don't know, man, I got a lot luckier. I got a lot luckier going with my muscles when I went to the gym and lifted the damn weights. It's not even about luck. I got a lot luckier with MMA training when I had like the best coaches in the world that a bunch of Hall of Fame UFC guys to help me with that. Yeah, there's a bunch of decisions leading up to that. They don't see that. I got a lot luckier in my finances when I went to the best schools and went and, you know,

I didn't have mentors and teachers and coaches, so I went and got them for everything I wanted to be good at. Right. And, you know, I got really good at a few things. Yeah, there's some, people shouldn't, I mean, today, with all the advances in technology, you shouldn't have no excuses while you're not successful. Everything is at your fingertips. I have, like if I want to look for a mentor in a particular field or expertise, I can go on YouTube and find it.

Yeah. It's right there. Poverty is a lifestyle choice in a first world country. Yeah. In a first world country, poverty is a lifestyle choice today. Right. Yeah. You could choose to do better.

You could choose to have at least a million dollars net worth. A normal person, a 50th percentile intelligence person, you could choose to have a million dollar net worth. Right. It's not fucking mystical or magical. You could go do that shit and earn that. Right. Yeah. Right.

but not if you're a lazy bitch. It's absolutely true. A lot of people aren't the money, but they don't want to put it in the work. It's like when you get to that first minute, it's like an uphill battle, but once you get that first million, that second, third, fourth million,

it comes a lot easier. Yeah, it comes a lot easier. Well, then all your bills are paid, and, you know, you can have the capital to invest, and this was called capitalisms. Like, your money's making your money. This is the goal that's like, you know, first money I made in entrepreneurship,

and then, you know, now my investments make me money. I don't buy expensive silly shit. My investments buy me expensive silly shit. Right, right, right. I'm not working for the Rolls-Royce. I did the work in the past. Now I have a Maybach. Now I have a Rolls-Royce.

A humorous joke that's come up recently is the people say, like, you know, oh, do you get rid of the Maybach? You traded it? No, no, I got both. Only poor people got to trade in their Maybock when they're funded by the phantom. Yeah, just simple decision in stock market, like Verizon and so many of the stocks,

they slowly appreciate it every year. right? It's on a steady up into the right and on top of that they pay dividends 6% a year. People don't understand how you can take your money out of the bank account, put it in and stock a safe, respectable stock, and you

could be safe and steal to accrue money and make money and you're just sitting on your ass. Like they're going to drop these interest rates, I'm pretty sure. This real estate is going to, they think it's expensive now. This real estate's going to get crazy. Yeah. That's true. The real estate doesn't become more valuable.

the dollar becomes less valuable and I 100% agree with what you're saying. The price of everything's going to go up. If you don't own income producing assets, if you don't own things that are at least inflation neutral, you know, or assets like he's describing that you maybe are the underlying asset is inflation neutral and it pays you a dividend over time, you're going to be in trouble. There's nothing else to say about it. There's not like some magical, you know, oh, I'll just do this instead. It's like, no, you won't.

No, you can't. And what do you think is going to happen, then add the AI stuff on top of that. It's like, people are going to have a harder and harder time having a job. Yeah. There's a lot of people now that have college degrees. And college degree doesn't mean what it used to. You don't actually learn useful things the way that you used to. Right.

Is it worth going to college now? Man, you know what? And five years ago or more, I'd be like, you know, of course. Like, you have to. And now it's become so crazed, you know. I used to donate. I was the biggest donor to my grandkids. graduate school from my class.

There's people that are older than me that donated 300 million, things like that. But, you know, of the people that I went to get to school with there, I was always donating money to the school. And I was proud to be at that school. It was the number one business school in our country, University, Chicago's School of Business. And man, you know, they started these, I stopped the donations when I seen pronouns on the name plaques. What? They used to just say your name. It'd be like your name.

And then, like, University of Chicago, Booth School of Business. Right. And I was like, you know, he, her, him, she, it. On the diploma? You know what? There was no problem. There was no confusion. There was no confusion with anybody there. But when I seen that shit, I was just like, what the fuck is? I called them and talked to them and talked to them. Yeah, they can't, yeah, they can't say anything. It's a humorous conversation because they really can't have a sincere conversation with you. Right. I'm like, look, I know you can't say much. Yeah.

I know that you can't risk that this is a recorded phone call. I get that. I get that, but you know this is some bullshit. They'll be like, you know, well, sir, that you're not the first person who's, you know, expressed these sentiments, blah, blah, blah. And like, this is how the whole school is going to be. Like, I went there to learn, like, finance and economics. Yeah. Like, what the fuck is, what is this shit? I hopefully, man, it's just a fad, man.

A fad? We can't continue to go this route. A fad, yeah. Yeah. I don't think so, Kevin. I think shit's here to stay. No, these people are fucking nuts. They like it.

They like the craziness, you know. I don't give me shit. Man, I don't care what people do. But, like, I'm not going to pretend like a man as a woman or a cat as a dog. Yeah. Hey, y'all, three red flags that show you might have poop stuck in your coat. Random stomach pains and abdominal cramps like you're on your period or something. Oh, man.

Think of my period. Uncontrollable leakage and episodes of diarrhea. Oh, man, that's horrible. You got that mud butt. Oh, God. You strain and struggling and pushing when you're on the toilet, you're going to get hemorrhoids like that. Trust me, I know. If you're going through any of this, we got the solution for you.

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For free. You just got to pay for shipping. Yeah. Try optimal human for free today. Yeah. Imagine working at a corporate job today. You know, there's plenty of people in your audience that are smart people. They went to college.

Some of them went to grad school. They worked hard. They did all the things that people our age were taught to do. You go work hard. go through the process of university, go work hard in a company, work your way up. And you did that.

And I'll imagine you've been working at a place that, you know, maybe you got a nice title, maybe make a couple few hundred thousand a year. That's great. But at any moment, you could get fired for any reason or no reason at all. Maybe your co-worker, you know, fucking Stephen.

So your co-worker, Stephen, you guys worked together 14 years, you know? One day, Stephen slips in the shower and bumps his fucking head. Stephen got a big beard, got big juicy beard, like you guys. Stephen shows up to work with a wig and a dress.

Still got the beard. Yeah. And a wig and a dress. And now it wants to be referred to as Susan. And if you don't fucking call Stephen Susan, the HR department's going to kick your ass out. Right, right. Like you did something crazy.

Like, no, fucking Stephen bumped his head. Stephen bumped his fucking head. Right. Right. So if he wants to call himself Susan, like, all right. But I'm not going to talk to Susan. I'm not going to hang out with Susan. I'm not going to pretend Susan's a woman.

Hey, hey, you, come here. Susan's wife's Yeah Hey The whole diploma thing With the pronouns I bet you I didn't even think about this

till you brought it up I bet you people At work on the business email The company email I bet you they got the pronouns in there Yeah I bet some people are doing that now I would just suppose

I'm crazy Like Yeah It'd be like you know King Lord majesty Or just something Irrigant Oh ain't you

To the office I was thinking I was still in school If I was still in school Yeah It doesn't even fit in my head that I'd have a job. But if I was still in school and they did some shit like that, I'd be like, all right, like his royal majesty.

That's my pronoun. Yeah. Royal majesty. Just anything I could think of that was over the top and see. The whole thing is silly, man. Yeah, it is. What problem is that solving? It's creating problems.

It's just another one of these distractions. It's just distracting from the things that, like inflation. It's what's important to everybody. Yeah. You see the Olympics, these biological males, fighting these women in boxing. I don't like it. Yeah, yeah.

I don't say it in other sports. It's just boxing. Well, you could actually hurt the woman. You never see a female who... Who wants to be a guy? Who wants to be a guy is fighting another guy. You'll never see that, but you'll always see a man fighting a woman. Yeah.

What kind of person is that? What kind of... Narcissistic, weak, evil, corrupt, coward. No integrity. Garbage person. Yeah. I think it's really wrong. And, you know, the committees that allow that to happen, like, what the fuck are you thinking?

Why? They said it's all about inclusion in equity. Beating up women, men, beating up women. Equity is not a good thing. Yeah. You know, they really perverted that word. They used to call it equality. And then they played a little semantics game where they used the word equality for a lot of

our lives that if you did an equal amount of work, you would have a similar equal outcome, something like an equal outcome. Now they changed that word from equality to equity. Equity means everybody's equal, period. Right. Who the hell would work hard? Why would anybody work hard and have the same outcome as someone who does nothing? Yeah.

And this is truly the root of Marxism or communism. You know, Marxists say, like, from each of those according to his ability to each of those according to their need. Right. So meaning that if you made $2 and some dumb shit over here, you know, did nothing, you were. worked really hard to make a couple dollars. This person did nothing. He's supposed to have half of whatever you have. Right.

Because he did nothing. Why is anybody going to go to work or do anything productive in the circumstance? Imagine if that came to fruition in the NBA, like LeBron James. Imagine if he made the same money as everybody else. He gives him no incentive to work hard. I don't think you'd like that. No. Oh, he would definitely push back.

Then he'll be a Republican. Does he say anything smart? I never heard him say anything until he did. He used to say something really good. I was the biggest LeBron James fan. I remember he had an interview, and they said, what do you think about Black Lives, right? Black Lives Matter.

Yeah, what do you think about Black Lives Matter? And he said, I think, all lives matter. He actually said that. Yeah. But it was way before all the woke stuff hit mainstream. He said that now he's done in the butt face. I think all these rich people, like, especially entertainment, NBA, sports,

they're just puppets of the... Yeah, of these corporations. I wonder about that over time. Like, you know, I used to watch Michael Jordan when I was a kid. I was growing up in Illinois for a lot of my life. And, you know, Michael Jordan was the biggest star imaginable, you know? Right, right. Or, you know, Colby Bryant.

Like, these are guys that had, like, an extreme work ethic, extreme focus. Very, very respectable and admirable people, in my opinion. Yeah, then, you know, I watched the current generation of that where they're the kneeling for the flag, and I think it's very disrespectful to the country and disrespectful for the people that came before them that, you know, put them in the spot that you could be a billionaire at the Bronze Age. Yeah, he's a billionaire, yeah. Yeah, and good for him for making the money, but that's what you're going to do with the platform or just push this nonsense.

You could free so many people if you're just coming from an objective standpoint, but you just want to be woke-like. Yeah, he puts it in the work ethic. He works hard, but then he talks. It's like, no way you believe that. Because if you believe that, you would not probably still be in the NBA, you would probably be a bum already. You're probably, you want to be the man you are. In the state and shape, you would have put in the work the standard league at 40. Yeah. But then I hear you talk and you do a 180. It's like it doesn't make any sense.

I feel disingenuous like he's been fed to say these things. Yeah. Yeah. He can't believe that stuff. What are your thoughts about the mechanisms behind the scenes that gets those people to do that? Mm-hmm. I mean, so some of it is just simple as like, you know, if you don't agree with the, you know, whatever the trendy shit is in that, you know, Hollywood or publicity scene, then, you know, some people are just kind of blackballed or band or you're not going to have work.

in the future. So I think some of it's just as simple as that. But then you look at things like, I don't know, I've never been into this, all this conspiracy, jibber, jibber talk, but like, I mean, why is the Epstein list never released? Right. And, you know, I've heard a theory on that. Made a lot of sense to me. I haven't heard a better theory. I don't know if it's true. But I think to myself is like, the CIA and then other government agencies have been doing nasty shit in creating blackmail operations for, you know, Harry Truman created the CIA in 1947. And within a decade, he was already regretting what he did. Right. And it's only got worse since then. And I'm not saying it's that specific organization, but, you know, them or other government

organizations like, do they create these blackmail operations? Do they create, do they help nurture an Epstein type situation so they can blackmail, you know, high level politicians or high level public figures? I don't know, but I've heard that, you know, posited that that might be the case. And I never heard a better reason to be like, why, how is it so hard to release those names? Right, right. You know, I got a friend who works in the CIA building. Not CIA, he's a janitor, right? What?

He cleans the bathrooms, right? He said, those people are the most disgusting, vile, and disrespect for human beings you have a man. He said, man, there's feces all over the place. There's piss all over the floor. They don't flush the toilet. He said, you look inside the door, there's feces. All these are many people.

And then when you walk by them, they said they treat you like you a slave, like you're less than. like you're beneath them. The shit down the door? He said it's everywhere. This is the CIA. FBI supposed to be the most intelligent, bright people we have. And they can't even use the bathroom correctly.

Well, it's probably a power thing. What are the Johnny going to say? He got to clean it up. That's probably why he told you that he said, these people are just dirty people. Yeah. It's probably like a power thing for them. What a bizarre way to live.

Yeah. Well, it's just part-time. He's got a great job. I'm not making fun. I'm trying to hear him. I say the mentality of a person who can't take care of their business in the toilet. This is the FBI and CIA.

I'll be embarrassed when I left the toilet. Wouldn't you? Yeah. If I dropped one drop of piss on the toilet. Nope, I'm not going to leave that. They're going to say I'm a piece of shit, you know? But he said it's everywhere. He said they're so disgusted. He said, I could not believe how disgusting these people

on it. I was upset. I had an event here for Fourth of July weekend in town and had, I don't know, 30-something clients, is high-ticket, small group. And I went to the bathroom, and everybody's using the same bathroom in this conference space. And I think somebody, like, threw a tissue at the garbage can, and it's, like, next to the garbage can on the floor.

In a different one, somebody blew their nose and set it on the fucking toilet, you know, the back of the toilet tank. And I walked out of there, and I talked to the people. I said, what the fuck is wrong with you? That, like, there's only 30 of us, you know? Yeah. With my team and everybody, maybe there's 40 people there. And like, so you're, you're disrespect in me,

but you're disrespect in everybody else here. It's like a small group of people that you went through a lot of trouble to be invited to be in that room, you know? You spend a lot of time working. You spend a lot of money to be there. And you're going to fucking throw shit on the floor. And like, that's the brand reputation that we're going to have. That's the reputation we're going to have with each other.

But that's the way that you're going to represent my brand is put the fucking tissue on the floor. Like, pick that shit up. Pick that fucking tissue up. put it in the garbage. Yeah. I didn't like that. I don't like the little thing. If I do something like that,

I picked it up, you know? Right, right. Like your janitor friend, so. He said, thankfully they didn't shit on the door. He said, man, he said, it is crazy. Hey, what's the shittiest job you ever had? You know, I did.

A janitor? Hey, you know, when you're an entrepreneur, and you guys live this year, so when you're an entrepreneur, you're in charge of everything. I'm in charge of picking up that fucking tissue off the floor that some fucking nasty bastard blew his nose and threw it over there. I'm in charge of that. I'm in charge of whatever thing, whatever has to be done.

I think the essence of your question, yeah, earlier in life, I worked at Delmani for a little bit. I was like cleaning machines as a teenager. I was like, you're like a harness and they put you inside like a big stainless steel tub. And you're like spraying acid that's going to fuck you up if it gets on you, you know? So you're covered in like a half. desert suit and like spraying in acid on the walls of the steel of the steel of Durham. I thought, man, this sucks.

And it's hot in there and you're sweaty. So that wasn't too much fun. Dangerous too. I had a job at Walmart when, that was my last job. I was at Walmart. I was fresh out of jail. I got a high school dropout. You want to know how much you can change your life in a period of time?

I was 18 years old, fresh out of jail, high school dropout, and I'm not happy to say this part. not happy to say this part, but I lied on my Walmart application. I lied to get a job at Walmart, which I don't like to say that I lied about anything because I don't want to live my life that way. But at that time, that's what I did, you know? I couldn't even get a job at Walmart. Right. You know? And yeah, it was like unloading trucks and stocking shelves at like a third shift. And they hired me for seasonal help. There's like, you know, for like November, December. And if you did a great job, they might keep you on later. Right, right, right. If you did a great job.

And I remember being on that loading dock and there's like, you know, like ice and snow blowing in, you know, in early December. And I looked around and like, I was 18, but there's a lot of people there that were in their 40s and 50s. And I thought, everybody here is a fuck up. It's like, nobody's here because they wanted to be here. Right. Nobody's here because this is their dream. Right. Everybody here is a fuck up, including me.

Right, right, right. And I thought if I can't outperform these other fuck ups, like, this is where you deserve to be. Right. And not to be too disrespectful to those people that that's not my intention. of saying it, but like, they're there for a reason, you know? Right. And at that time, I was there for a reason, too. I didn't make good choices before then, so here I am.

And I thought, like, I got to outwork everybody here and be the best goddamn, you know, Walmart, shelf stocker. If I can't do that, why am I qualified for more? Right. And I really kept that thought still today. I still think that way. Like, if you can't overcome your current problems, like, why would you be qualified for higher quality problems?

Right. Why would you be qualified for a better situation in life? So I still have that sort of work ethic. But by the way, after four months, they gave me a promotion, so they hired me full-time. They put me in charge of two departments. Later, they made me a support manager, so I was like 19 and had, like, you know, keys to the store and could order whatever and things like that. And they promoted me. They gave me merit raises.

They promoted me quicker than they're allowed to, you know, by like corporate policy. So the store manager was good to me. The district manager was good to me. And then that got capped out where they're like, well, you know, we can't, you need to hire up in corporate office to sign off in any other promotion. and it's going to be at least three years. And I didn't like that. I was like, you know, you got to judge me from, you know, my capacity to get things done,

not for an amount of time I've been there, you know? Right, right. And so then I went to college full time and start building my own things independently. But people talk bad about Walmart, but even there, wherever you're at, if you can't outperform the people there, why are you qualified to have more?

Why are you qualified to do better? If you can't do that, then that's where you're going to stay, man. That's where you're going to be. I mean, my first job out of Marine Corps when the security guard work. These people, everybody working in a security guard car. I'm not going to see everybody.

Everybody was pretty much a wannabe cop, and they were not good enough to be a cop. So at this job, everybody thought there were cops. Total dicks and assholes, wherever you went. I was like, these people are scroops. Losers. Yeah. But I was dead with them because I didn't make good choices with my life.

And what I didn't have any goals. I didn't have any ambition. So it makes you wake up. Like it makes you wake up. Walmart and did that job make me wake up. I said, I could do a lot better than this. So, yeah, that's a great story. You got out of prison or jail.

Jail. Jail. You didn't not prison, jail. You got to your job at Walmart. You're surrounded by fuck-ups. And the light went off your head and said, I can do way better than what I'm doing now. And a lot of people do not make that realization. They don't recognize it.

They don't recognize it. It's always somebody else's fault. Yeah. I was always willing to work hard, but I really didn't, and I don't mean to tell like a sad story. I was just like a teenage kid or in. I didn't have somebody to point me in the right direction. So as an adult, I really made that decision. Like, you need to have good coaches, mentors.

You need somebody who accomplish the things that you want to accomplish, and they can make it way easier if you do that. Right. If you're humble enough to, you know, work hard and follow instructions. Yeah. You know, your life could be a whole lot better, a lot quicker than it was for that. Right. A mentor is everything.

You could expedite. You could either do it on your own learning through trial and error. You can cut through all that bull just by hiring a mentor. Even on MMA training, which is a hobby to me, you know, I'm not trying to, I'm 45, I'm not trying to be a pro fighter. Right. But, you know, I think nobody in the world trained more than I did the last three years. That sounds halfway ridiculous, but no one has a better coaching team than I do. If you look at my Instagram, the people that I'm working out with regularly, I'm training in MMA like 19 days a month with a bunch of the, you know, the best, best, best people in the world.

you know that that wasn't accidental like I had to go earn I had to go create those relationships and invest in those people and help them solve problems and pay them well once in a while some dumb ass would be like Derek you're paying your coaches no shit no shit no shit so the the fucking you know hall of fame the best hall of fame world champion motherfuckers from UFC didn't didn't send they didn't buy their own plane ticket to come fly to me to work for free for four days at a time Right. And then come back a couple months later and a couple months later. Yeah, no shit, I paid my fucking coaches.

You know what else I did when I went to school? I paid tuition. I paid my teachers too. I paid my teachers too, you know? Right. So I think they was like, well, if you cared about people, you would help them for free. No. No one.

That's not helping people. If you don't care about invested in your future, then I believe your future is probably not worth investing in. Exactly. I was always willing to do my part. But I knew that frustration from all the guess in check being a dumb ass kid and not having good teachers, coaches, mentors, you know, versus when I, when I started seeing, you know, people would be like, oh, just try this or try that. And then you go do the thing, you come back to them and they teach you the next thing. And, you know, if you don't do

shit, then, of course, those people aren't going to spend any damn time with you because they shouldn't. But if you're willing to do your part and you have a great coach, a great mentor, it changed your life, man, change your life a lot. Yeah. What did it feel like, because you went, came from nothing, start at the bottom, now you're here, like Drake Now, what do you feel like when you bought the Rose Royce? You know what? One of my friends, she was a three-time world champion in Jiu-Soo, and she didn't win the title, but fought for the title at UFC.

And she asked me, you know, but I said, oh, are you excited about the Rolls Rice? I said, yeah, I'm excited. And she, you don't seem to, so I said, I've been thinking about that car for 30 years. Yeah. I've been working my ass off for 30 years. You know, if I did the right things over that time, like, I should be able to buy whatever damn car I want to. So, you know, on one hand, I feel good about that.

I feel like a contentment or like, oh, that's cool. Like, it's a fucking car, man. Yeah. It's a fucking car. Yeah. I hate to break it to somebody who's, you know, like, if they had this or that car, their life would be perfect. Right.

It's a fucking car. It's nice. It's very comfortable. Yeah, you're not trying to be like one buff of like billions of dollars. I'm going to spend some of this money. Yeah. I did well enough. I can buy a nice car if I want to, you know.

Yeah. But I don't tell anybody else how to live their life, man. But I do think this. I wanted that car. I remember being like 13 or so. And there was a couple kids that I grew up with. And I remember vaguely having the conversation of like, you know, if you could have any kind of vehicle when we're adults, like, what would you like to have?

And the one kid, I remember he wanted Ford Bronco, back when Ford Broncos were still kind of cool before they made these little, you know, feminized ones. You're right. I know, right? Yeah. Yeah. But, and then I remember what the other guy I said, and I said, you know, I'd like to have Rolls Royce. I think I watched like Beverly Hills Cop or something, you know, at that time and I had that anchor in my head from, it was looking fun to, you know, Eddie Murphy running around Beverly Hills having fun and shit and funny show. So I think I had like an anchor in my head like that. There's like scenes at the Playboy Mansion and that type of shit.

But years later, I was at the Playboy Mansion a dozen times. And, you know, the things that you seen earlier, they laughed at me at the time. I said, I'd like to have Rolls Roy. And they laughed and say, how would any of us ever blah, blah, blah. And I'm like, yeah, but I think I can. Right. You know, and just those little thoughts in your head. Like, don't be discouraged by some of those childhood thoughts or by somebody told you you can't have something or you can't do something.

Like, if you believe that, then you can't. Right. I'm not like a big, like, positive thinking guy. I'm like, go get the fucking work done. I'm going to go get the fucking work done guy. And then you can have whatever you want, you know? Right. But yeah, it's a, it felt good.

But it was, it's not like some euphoric feeling. And it feels like how you feel when you get the shit that you earned. Like you did the work, you earned the thing. Of course you're supposed to have the thing. It almost feel like you've been there before. When you buy something that you always dreamed about and then when you get it, you're not overreacting. I deserve that.

You know, and it's just like another purchase. When I brought my two homes, it's like, you know, some people, you know how you see the person on TV. They won a sweepstakes or a lot. They're like, oh, God, I can't believe it. You know, because they won something. They didn't have to earn it. you and me and my brother and people I work well when you buy these things, it's like I deserve

nothing's changed about you. You always knew you was going to get that. You just had to put it in the work for it. I had this, you know who Chuck Liddell is? Yeah. So Chuck was staying with me a couple weeks ago. He was my coach for that week. And we were on like a mentoring call that I do with my clients.

I asked my coaches to come on for an hour and just have a little chit chat with my clients in Q&A. And, you know, Chuck made a comment about, you know, when he won the belt, blah, blah, blah. I said, you didn't win the belt. You earned the belt. You never won, you didn't win a championship like a fucking lotto game or a bingo or some shit.

Right. Like you worked your ass off for a dozen years before then. You earned the belt. You didn't win the belt. Right, right. And, you know, the brother's like, yeah, that's right. Yeah. Yeah.

Look at just a little twist of how you see things that could change your life. Have a different perspective. Another thing in that vein that I hear people say frequently is like, you know, oh, you know, you got to make sacrifices to get what you want. No, you've got to make investments. Are you making a sacrifice to not be like drunk and high on the weekend? Or you're just making a choice that you're going to have a better future that I'm going to choose to do something industrious and productive.

Right. Instead of something this, you know, retarded and destructive. Yeah. You know, that's a shame they don't use the word retarded anymore. It precisely describes the phenomenon it purports to describe. Yeah, right. But I digress. it's a choice to have what you want

it's a choice to put in that extra work and have the thing so don't think about it's not a sacrifice it's an investment it's an investment you're not sacrificing time with your children if you're building a better life for your children you're not sacrificing anything if you're making your life better and you'll be well rewarded in the future for your current efforts right I think successful people have that mindset that you get shared

and people are not successful they decide to like victimize themselves and said, no, I can't ever get that because I'm black or because I'm Jewish or I'm that. Native American. And they just find a way to tuck themselves out of it. Why do you think some people decide to stay poor and dumb? They just have that thought loop like you're saying? Because a lot of it's taught. Yeah, I think the reason why they decide to live that way, because if they flip how they see things, they're telling themselves that I was actually wrong. Some people don't want to admit that they're wrong. So they rather drive. that car until those damn wheels fall off

and they drive off a fucking cliff. They don't want to ever admit that they're wrong. Successful people like you, they admit when they're wrong and when they need to fix things. People that's poor, they find excuses to stay poor. They don't want to recognize, acknowledge that they suck. That's the biggest professional attribute anybody could

ask. Yeah. Yeah. I took that long look at that, Merrill. I looked at me as, I said, you are sorry-ass niggum. You're sorry, you're sorry niggins. And then I started, I it because I was brought up as a Democrat. My mama said, oh, white people,

Republicans, they're for racist. Democrats are for black people. Mama, they know what the hell she was talking about, you know? So I was born into it, and I was born into poor, but it doesn't decide my fate. It doesn't decide how successful I'm going to be. I just had to take an issue, you know, correct my wrongs, and just continue to just work and work and outwork the next person.

Yeah. Touching on both of those. I was like, I was not allowed. Yourself. I should say that. But I did. I looked at him, I'll say, you sour ass nigger. And I did that. I stopped making excuses. And my life changed over the next three years.

My life changed drastically. Having that internal focus and the point that you jointly made there in your self-reflection in your previous time is like, man, like, I think people that are successful, like you're looking for feedback. I spend a lot of time and money looking for somebody who's smart to tell me where I'm dumb so I can be less dumb. It don't hurt my feelings for somebody to help me banish some of my ignorance and do a bit better. I love that. I like to be around other people that are doing better than me in some areas and can point me in the right direction. So don't be stuck on feeling like you. Yeah.

I mean, you got to be honest about, I mean, step number one is that be honest about where you're at right now in life. If you want to do better, stop lying about, you know, oh, I'm doing good. So, no, you're probably doing shit. If you're even contemplating that, you're not doing as good as you should be. You're not doing as good as you could be. You already know that. If you've been having that contemplation. Yeah, you've got to be brutally honest, what you said.

I think just taking like a very objective inventory of like kind of the balance sheet of your life. What's the current circle? What are the assets and liabilities that you have in your life right now? And start building those assets a little bit more and offloading those liabilities and, you know, in a bit of self-reflection. And, you know, pretty soon your circumstances. I did a lot of self-reflection. I might have done a little myself.

I probably did two butts. But yeah. Yeah. I would like you to tell people about where they can find you and your courses that you provide to help people. You probably look at Instagram or YouTube. Derek Moneyberg, D-E-R-E-K, Moneyberg, D-E-R-G, not B-U-R-G. I imagine your editors put that on the screen. Right, yeah, yeah, yeah.

Yeah, look, I help people. It's not for everybody. If you're lazy, I can't help you. If you don't believe in your future, you don't want to invest in it, I trust your judgment. Your future is probably not worth investing in. You could be poor and dumb by yourself. You don't need my help with that. But if you're doing well already, and you know you should be doing even better, and you want help with your finances,

you want to understand how does a small business function, how do we build a small business, how do you use entrepreneurship to advance your current career, how do you learn things that help you with your financial investments, whether that be in real estate or the stock market or other assets, I can help you with that, and I'm happy to. But you know, you're going to work. If you take any of my courses, you're going to spend 20, 25 hours a week working. And if you don't want to do that work, we just throw people out of the course. We don't do lazy shit. So it's not for normal people.

It's for people that are probably already doing quite well at something, but you know you could do even better. And you want to be around a group of other successful people, current and future millionaires, people that are dedicated to doing well for themselves. So happy to help you, if you're happy to help yourself. And I look forward to helping anybody here that, you know, It's a path to brighter ways and better days. You have a website?

The shit don't happen accidentally. You go to Moneyberg.com. Most things that you'd want, you check out the Instagram. And if you send me a DM, you'll be put into an elaborate funnel. We'll DM you for the rest of your life to get your in or out. You have to opt in or out. It's not for me. I'm okay with a tiny house and a huge woman.

Success is not for me, dear. I understand. But excessive is for you and maybe a big woman. Yeah, you mentioned something. It's all about your circle of people you're around. Yeah. Like, it was this one guy he said something. Show me your five friends.

I'll show you your future. Right. Right? You got five friends who are just complained, victimizing. Yeah. You'll be broke just like them. You got to surround yourself with other people. Yeah.

That's successful. You need a team around you. Kevin Harton, he's not doing all this stuff by himself. He's got a team around him. Yeah. You want to be better, you need a team around. You know, that that thought goes back at least 2,000 years that the guy in Epictetus talks about what you're just.

I said, Jim Rohn popularized this in the 70s. Like you'll be like the five people you spend the most time with. But that's a 2,000-year-old thought, at least, where he said, you know, you have to choose to earn your spot amongst higher quality people or be designed to stay down there with the people that you're with, you know, at the cost of the success or goodness in life you could have had. They say you can't do it halfway or you'll never fit into either group. You won't be accepted by the better group and you'll also be kicked out of the peasant group. that you got to make a full commitment to... Yeah. Depesigua, man, you think you better enough.

They kick you out, yeah. Hey, it was a question. Thank you so much. Thank you. You know, I've been watching you guys for at least 10 years when, you know, back to the games. Yeah, yeah, I didn't get back to that. We're going to bring it back, man. Thank you so much for having me on.

And really a pleasure to get to meet both you and know you a little bit. Oh, same here. Thank you.