Macrodosing: Arian Foster and PFT Commenter - Credit

Episode Date: August 24, 2021

On today's episode of Macrodosing, PFT and Billy return from Grit Week to talk about the ins and outs of financial credit. From low scores to high scores you'll hear everyones credit score on the show and their thoughts on it. Does Billy have a credit score? Who's credit score was given up on? Also, voicemails are back and better than ever....Will Big T and Billy fight on the show? Sit back relax and enjoy.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/macrodosing

Hey, macro dosing listeners, you can find us every Tuesday and Thursday on Apple Podcasts, Spotify, or YouTube. Prime members can listen ad-free on Amazon Music. Welcome back to Macro Dosing. Whole squads back in the studio. This is the only podcast that you can find on the internet available in the audio formats. It's also on YouTube. The only podcast that's on YouTube as well. You can get it on YouTube.

I think at the end of the day on Tuesdays is usually when it goes up. So make sure to toss us a like, subscribe, leave some comments. comments, guest Big T's underwear in the comment section. 100K and Big T will do shrooms. 100K. No, he made a big announcement last episode. You missed it. I did miss.

So I was not able to listen to the show. Billy and I were out on the road on Grit Week traveling around this beautiful country of ours. We did not get a chance to listen. So can you guys, can you do like a 90-second recap of last week? Yeah, so you got to fight Donnie in a grudge match to see who keeps the glasses on. Fair. Uh, Big T is going to do, uh, shrooms, probably a micro dose when we hit 100K. Um, what am I missing?

Oh, Helen Keller is a hardcore blindo. Helen Keller is a blindo. What about, what about being deaf? She's also a deaf though, but yeah. Yeah. I think I already knew that though. Allegedly flew a plane. Yeah, we call cap. We call cap on that one. Yeah. Bullshit. Can you imagine a pilot being like, yeah, let's, hey, why don't, why don't, why don't you? you take the sticks of this bird for a second. I could see what, what's the story? Isn't it, isn't it, um, that first lady who's flying the plane? No, yeah.

Amelia Earhart. Oh, that's who it was? I thought he told him about Harrison Ford's wife. Yeah. No, no, no, but Helen Keller also. I could see her putting her on the lap, on her lap and like, no. Like, you know how you, like, she was like a co-pilot for like 20 minutes and, like, flew the plane. Like straight up.

Like, straight up. What do you put her on her lap? No, you know what I'm saying? Like, you know, when you're like, your parents let you drive the car and, you know, you just steer the wheel. No, dude. Like, full-blown flew the plane. I'm not, like, imagine being a passenger on that plane and they make the announcement

or they didn't tell you afterwards and figure out that 20 minutes your life was in grave danger. What type of plane are we talking about here? I don't know. It doesn't matter. Yeah, does it really, like a twin engine versus four? Wait, was this a prop or was this jet? If it were like the tailspin plane, like in land in water, maybe a little. safer but outside of that there's um there's this one russian pilot that let his daughter and his

son fly the plane on like a commercial airliner because he had the autopilot on and everything he was showing them how it works and his son got behind and accidentally disengaged the autopilot crashed the entire plane i think like 180 people died this was maybe 15 20 years ago all time fuck up that guy i i've heard stories about like people who go on hunting or fishing expeditions in alaska and the bush pilots are just like literal 11 year old boys who are just flying these like single engine planes because like up there there's just no rules further sinking into pessimism

yeah all right so it sounds like we missed a lot last week actually I will fight Donnie for sunglasses sure I'll do that and Big T will do microdose if we get to 100,000 I said we figure something out but yeah probably 100,000 100,000. You said it had something to do with watching Avatar, too. Yeah, that's part of my stipulations that everyone, everyone on the show has to be here in person and we have to watch Avatar with

Arian. We're going to take shrooms and watch Avatar. And we can't, we can't fuck with them. Yeah, that's the most important part. All right. Yeah. No, not going to fuck, but I think you're maybe, maybe you guys talked about this a little bit last week with the effects of mushrooms.

Mushroom, it's not like you're on acid. It doesn't, you're not going to, like, hallucinate the entire world. It's not going to creep you out. I think it's probably pretty tough to have a bad trip on mushrooms. Hand up, I had some mushrooms when I was at the beach a few weeks ago. Actually, I had several nights of mushrooms. I think three nights I took mushrooms. And it was, there was no, like, hallucinatory experience.

I don't know if that's a word, hallucinogenic experience. There was no, like, feeling detached from reality whatsoever. I just, I happened to notice that I had a smile on my face for about five hours nonstop. And I was just happy. I was just very happy the whole time. And I was falling asleep in bed. And as I, I'd been laying in bed for like 30 minutes and I opened my eyes and I just had this big ass grim on.

I was just really, really happy for an extended period of time. So if that's what all mushroom experiences are like, I'm a million percent on board because it was great. Did you get any like body high? A little bit. Yeah. Yeah, a little bit. It felt like nice and more.

It honestly felt like. great outstanding weed with zero paranoia with zero like fidgetiness and I was able to think more clearly than if I was high on marijuana. So it felt great. There's science behind that. There's actually science behind that.

That's kind of what we alluded to too. It's like when you take it, the connectivity of neurons and heightened. So like you have more connections in your brain when you take these. Yeah. And it's long-lasting. Yeah, I know.

I straight up, I preferred it to. to marijuana. I like it a lot more than marijuana. But I don't want to do it all the time. It was like a, let's do this for a special occasion type thing. But I will be back. I will be back mushrooms. I will be back mushrooms. Yeah. They're listening. How long is a trip on acid compared to a trip on mushrooms? Good question. I've never taken acid. I want to say like a couple on average. They say they say acid anywhere from like 10 to 12 hours, mushrooms like anywhere from 3 to 6. Yeah. So if you, I've never done any of this. So if you take.

acid, you're, like, in for a whole day. Oh, yeah. Yeah, you've got to clear your schedule. Sure. It also helps, I'm told, to make sure that you're in a great environment for it, where you're around people by your trust, kind of low-key, remove all of the variables, things that could make you anxious or nervous. And I don't know if that's the same for mushrooms, but I was in, like, the perfect environment

for mushrooms, which was just, like, at the beach house, hanging out. I think we put Ted Lassow on for a little bit. So that's a great thing to have on while you're, like, the most. positive television show of all time while I'm on mushrooms I was ready to just like give the world a big fat French kiss after that was over I was so happy but yeah so good I'm glad that you guys got a chance to talk about mushrooms I do regret not being there for that but it sounds like it went well got a lot of personal like good feedback on that episode to the point where it's like I think I think Donnie might have just Wally Pipped me and Billy Wally Pipp. Wally Pipp yeah um so

So before we get too far into this week's episode, which is going to be about credit. Oh, he said, Donnie said he did the glasses things first. I just want to hear from you. Okay. I don't know when Donnie started doing glasses. That's not a good start to this, but I'm listening. No, no. But I will tell you definitively when my glasses began their run.

And that is August of 2015. I was in Cleveland, Ohio. I was there for the RNC debates leading up to the presidential election. It was the first one that they had, and I walked behind the setup of the hardball on MSNBC. They had, like, Chris, what's the name, Chris Matthews and all those guys? They had, like, this thing set up out in Cleveland, and I walked behind and I held up that sign that said, is Joe Flacko, elite quarterback, and that got on television, and I was wearing sunglasses at the time. Nobody knew what I looked like, anything about me. They, like, they did not know, they probably could have guessed that I was a white guy because I was blogging about sports at the time.

But besides that, no one really knew anything about me or where I was from. And so I happened to have aviators on in that picture. And I was like, shit, I guess I have to always wear these glasses from now on if I want to keep like a little bit of that anonymity. So then I just kept wearing glasses after that. So it was August 2015. I don't know when Donnie started with his, but that's when I started with mine. Beautiful. Love the origin stories of a hero.

Yeah. I don't know. Did Diane tell you? He didn't tell us when, but he just said that he said, that y'all started it independent of each other. True. Didn't know. It's very, very possible.

True. So in this picture, PFT, which I remember, but I hadn't looked at it in a while, you also have a bandana on. How come that didn't make it long term? That's a whole thing, you know, like being a bandana guy. I think even I have a line of just how willing I am to, like, to base myself. And I don't need to be stepping out here looking like Brett and Michaels all the time. you do look like Brett Michaels yeah Brett Michaels Hulk Hogan that's kind of their thing I thought about becoming a bandana guy a couple

years ago and it's just that's a whole lifestyle once you put on a bandana yeah it's definitely a commitment it's a commitment for sure it's a big commitment so I think you know I'm staying away from that but yeah Donnie might have worn his glasses first I will fight him though I'll fight Donnie I think he probably I don't know depending on what the rules are I feel like Donnie's probably a pretty good boxer I might be able to beat him wrestling you guys should just sanction it for like this friday because the training's what sucks like three minutes of fighting is like fun just in rough and rowdy yeah it's just like locker boxing no training yeah no for real no training just set it up yeah i don't know

don't i die and i might like each other too much just like step in the ring and go all out fuck around so you so you so you can so you can so you can slap box that's what we used to do you say shoot me a 30 yeah slap box that's right 30 seconds i just slap box and you can you can get the glasses off like that, too. Yeah. Shoot me a 30. And then what happens at the end of the 30 when you guys are so pissed off at each other

from hitting each other too hard? Shake hands, shake hands. It's the rules of it. They can't take it personally. We got it out of the systems. That shoot me like, I'm going to need one. I'm a need 30. Get it out your system and then you go on

about your business being friends, man. I like that. I feel like the world could do with a lot more of this shoot me a 30 talk and a lot less of like, okay, I got a gun, you know? Yeah. Enemies for life. Yeah, man, shoot me 30.

Yo, okay, so this is my first time seeing this shit, bro. What the fuck was you doing there? It's so funny, though. I was there. Chris Matthews looks like a fucking pervert in that picture, too, wasn't he? Like, in retrospect, yeah, this guy was a dickhead. But I was up there to cover the Republican debate for president. So that was the first one when it was Trump's first appearance on a stage in a debate.

And he was just like roasting everybody. No one knew what to do with him. And he was, I think that's the one where he said that, like, he called Rosie with Donald fat during the debate, said that Megan Kelly was having a period, basically. He really went like full Trump in that first debate. Nobody had ever seen anything like it. It broke American politics. It became professional wrestling at that point.

And it was like him, Rand Paul, Huckabee, Jeb Bush. Jeb Bush, Walker. Who else was there? Talk us through the night, Big Tea. Who else was up there? I remember that debate. My friends and I all got together to watch it. Like that was right before we went to college.

That was my freshman year of college. And yeah, I remember that very, that was the first question, like they said to Trump. They're like, you've called women pigs, whatever, he goes, only Rosie O'Donnell. Yeah. What I was going to say to you, though, I found the blog you wrote after that. Is this actually you that says it's a reporter from the BBC? And it says, Wayne from Texas is a quote, big time supporter. of Trump says he represents a section

of society usually neglected and there's a picture. Is this actually you? That's me. Yeah. This shirt. And the shirt. We'll have to tweet it. It says internet commenters for Trump and there's an acronym down the back that spells Benghazi and it says better not ever trust dumbotards. No Obamacare. Great make America again. Hillary will kill us all. A hope and change question mark. Then there's nothing for Z. and it says, I don't think so. It was a pretty good shirt. That's awesome.

I sold a bunch of those, too, afterwards. But, yeah, Wayne is here. The BBC was interviewing me. That was a wild time. That's the first time I ever took PFT Comptor for a spin in public. And it was, uh, the internet was a big fan. Yeah, it was quite a scene. It was absolute scenes in it, as I would say over in Europe.

I remember that shirt. Yeah, on the front, I think where it says internet commenters for Trump, I'm trying to remember the different slogans that I put on there. I think one was like Arm elementary school teachers. Oh, this is you also. It says, I'm an internet commenter and I vote. Yeah. Wake up sheeple, arm elementary school teachers.

I have black friends. Your. Y-oh, you are a idiot. And who's the real racist? Yeah. Yeah. So, I mean, I think that delivered the message. And you have a 40 ounce of something.

Because I can't tell what it is. I was drinking mad dog. Yeah. Mad Dog liquor outside there. So yeah, that's that's the origin story of the glasses, I guess, in a really long way. Do you think that t-shirt, like plenty of other undecided internet commenters were like, you know what I am for Trump? Are you the cause of the last four years?

Yeah, no, it might be that might be that was in retrospect, the start of the movement, for sure. I was joking about it. But I think other people were, convenient to say in 2021. No, in retrospect, there's a lot of jokes that we all made probably in 2016 that did not age well at all. Yeah. But you know what? You live and you learn. And the Robelle tweet is the ultimate terrible take.

Like, I feel terrible for our country, but this is going to be tremendous content. Yeah. That wasn't that great. I'll be honest with you. Yeah. It really wasn't. People were saying when Trump got elected that, oh, this is going to start like a golden age of American. punk rock music and art and no it actually just gave birth to like a hundred former Obama

staffers on Twitter firing off like narrator tweets you know that's really the art that we got out of it kind of some bullshit but before we get too far into credit which we will talk about on today's show want to talk to you about three chi three chi is great they sent me an awesome shirt says I'm not a drug guy but I am a three chi guy because it's true I love three chi if you haven't tried 3C it is Delta 8 THC what does that mean PFT good question

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Macro at checkout, get 5% off your order. All right. We're back. credit we're going to talk about credit oh before we get into credit we need to figure out what else we can do to uh to ruin the milk crate challenge because the milk crate challenge got i think that we're all in agreement that the weightlifting guy absolutely ruined the challenge right talking about bradley martin is that bradley martin that's bradley martin when he was eating his like gains food yeah that's something billy would have done for sure like halfway through um how did

the milk crate challenge start because i saw it start to pop up up on my timeline on like Saturday. But has this been around for a while? When is everyone's first sighting? Someone said that MTV created it to sign five more years of ridiculousness. But I think it's hilarious. There's a YouTube video from 2011 where they have a guy walking on milk crates and falling. So that's the first recorded milk crate recording of someone falling.

It has then gotten out of control. Yeah, I just thought Saturday. That guy rolling the blunt on it. He should be an Olympic. Wait, Mike. Yeah. No, but did you see the other video of him flying too close to the sun? With the other guy up there?

Just going down? Yeah. He jumped on with another guy. I mean, well, listen, once you've already found and killed God, what else is there to do? He had already slayed the beast. So he was bored. I get it. Yeah.

But yeah, I mean, I'm sure. I've only seen like one serious injury. Everyone else is kind of just like popping up. A lot of people smoking cigarettes pop right up. So maybe we should look into that. Are those strengthening bones or those making us tougher? I've seen two. I've seen two really bad ones.

Yeah. Come on somebody going to die. I saw a broken leg and a broken arm. I can't even watch them. That shit hurts. I get like, how do you fall off that and not break your elbow? Something. Like people are landing like so far up on these plastic,

crates on the corners of them It's just like, I'm straight, I'm cool And like I'm concrete Yeah, so Do you see they're doing it in prison now? That's fine, I think There's one in prison And every prisoner has a phone out

Filming it in the middle of like the yard Minimus security Are you against prisoners having phones? I just, I thought it was not allowed Apparently they don't give us yet I think we should give all prisoners phone number Are you on prison TikTok? Yeah, prison TikTok

There's a prison TikTok. Oh, yeah. There's a side of TikTok where, like, people in prison have these, like, basically, like, phones from, like, 2006, and they somehow record and download TikTok, and they do dances and they'll, like, make skits up. It's so funny. I love that. Yeah. Everybody needs an artistic outlet or a creative outlet. I'm actually, I'm fine with that.

What if they were doing the Milk Cray Challenge out in the yard and they're like, no, let's do it right up next to the fence? like hey make it just a little bit taller no Warren don't worry it's a TikTok thing it's a meme

everybody's doing it on the outside yeah the milk crate challenge it's something I will never do I'm just telling you that right now

like why the fuck was you ever I think I'm gonna end up doing it yeah you're gonna have to do it yeah I've been nominated

basically to do it and represent the company so we'll see how it goes do it while drinking muscle milk and mix with creatine

or some stupid shit like that I don't know how it's gonna end up you should try to do it in the whitest way possible because people people are getting mad at the the bodybuilders

and they're like well you've gentrified the milk crate challenge you should like just go as hard as you can and to make like do it on a stack of weird owl records

like I don't know what else can you do like put some tofu in the milk crates you'll just listen at creed or walk you Yeah.

Can you get me higher? Do it in front of Trump Tower. That would be fucking fun. Oh, God. Jeez. I mean, I think that people would love it if there was a milk crate challenge set up in front Trump Tower, but everybody just, like, started breaking all their bones trying to do it. Yeah.

No doubt. No doubt. It suits Trump. Hey, Jared. Jared, give this a shot. It is kind of fucked up, though, how so many people are. kicking the milk crates over as people are on top of them.

Yeah, that's weird, oh shit, though. That's weird. There was one in Shreveport that went viral yesterday where someone got to the top and then a drive-by broke. Yeah. Which is, if you know you have enemies like that, you can't be just standing as high as possible

in the middle of the open, like with no way of getting down safely to escape. Like that was that person the target of the drive-by? I think so. I didn't see him complete it. I saw the person filming run away. It panned away. We don't know.

Did he stay on when the gunshots happened? I mean, it's like you try and jump. Those things aren't stable enough to jump off of. So you're just going straight. Like, it's not a great. And then you can't hide behind them. They're fucking milk crates. Like, it's not,

you need to have some awareness of your surroundings if you're going to be doing the milk crate challenge. Yeah. If you got enemies, you shouldn't be at any kind of high point. The thing is the people who succeed, seed they use one foot and put their foot in the middle of the crates going up nobody wants to hear how to do it but it takes away the fun of it bro but everyone does they go with two feet then they just

like slip out when they take the next step because their feet are too far apart you didn't broke down scientifically i actually did i like was standing up there with two feet very firm on that top one he wasn't worried about anything right they killed he killed the shit he killed the shit yeah yeah i did a film breakdown of how they do it of the successful ones. Yeah I looked at what made them successful. They're just a shitload of milk crates. That's what I've learned. They're all

they just like lie behind like stopping shops, Walmarts. Yeah. You never realize how many We used to have all kind of milk crates. That's how you make go carts. They're great for making go carts. I don't know about that. Go cards? I have a go cart with milk crates. What do you mean?

So you get you get the chassis which is probably like a pretty long piece of two by four then you put you use them for seats you just cut out one side okay and then how do you make the rest of the go cart i built a go cart you you do need to the hardest part is the um wheels motor no no this is just for going down a hill we're talking gravity here oh that's not a go cart that's soapbox yeah that's a roll cart that you're describing there's no there's no go to it it's a bobslet yeah it's a bobsled

exactly it sounds awesome though Billy what was your time in the soapbox um what do you mean like was it fast no we just wrote it down this one hill and didn't have breaks and it was it there was a lot of skinned knees and elbows

okay but it was a fun time yeah I got to see that I mean oh uh go ahead go ahead brother They're a great versatile object to build stuff out of milk boxes, milk crates. But I think we should have a soapbox derby here. It'd be pretty fun. There would be some really fucked up designs.

It's really bad. We have so many dumb people that work for it. And myself included, I would not be able to design a car. Fuck out of here. Who do you think can make the best car? Because I have a... Quigs. Yeah, Quigs.

I was just going to say Quigs. He's a rocket scientist. Yeah, Quigs and Derek Schumann were aerospace engineering majors. I bet they could design it but I don't think they could build it Oh, are you saying that if they lack Yo, where's that coming from my jeans? I don't know, I got super different.

Yeah. No, because it was very competitive. This is anti-intellectual. No, no, no, I don't know where that came from. No, I know where it came. No, because me and my buddies would get super competitive like about like building shit. Billy doesn't think that nerds are real men.

That's where that came from. That's exactly what they could. designed it but they couldn't build it he's a vegan you don't know how to build a car he took side quigs mad respect for the science

mad respect for the science you're just saying that in case you have to take a test at some point you need somebody to cheat off of no I actually prayed down science I'm feeling yeah oh my God put that shit on a shirt too I'm actually pretty down with science

I'm actually pretty down with science Yeah, let's sell that shirt A controversial take in today's climate sadly No question Let's sell that shirt, let's sell the internet commenters For Trump's shirt too I think that might That might even sell more now, yeah

Geez Well, you know, Trump's with the science nowadays too He is, big science He did Trump endorse the vaccine That's wild, bro Like to get to get booed by your own cult is crazy Dude, Trump is deep state. You can't trust that guy anymore.

Yeah. The whole time, he was an implant. He's not MAGA anymore. I'm actually guaranteeing this is going to be after that vaccine comedy, there's going to be clone theories that they killed them and cloned them in the middle of COVID. Of course. Yeah. That's the new one.

There's clone theories with every celebrity. I'm just predicting theories to come out in the future. So while we were on the road for grit week, Billy got into some of the theories that he had about the vaccine. This might get us like one of those labels. was on Instagram, so let's not make a clip out of this. But his theory actually made sense. And I'm going to give Billy credit where credits

do. It's one of his better theories. It's not like, it's not crazy, but it's, uh, you, I just double spin zone anti-vaxxers into being pro-vaxers. Basically, it's not, when you started off explaining like that, you make

me sound stupid. I know, by endorsing what you were about to say. But it's not that. You don't have, have to you just made me even more confused myself complete the catch before you start celebrating the touchdown just say what it is don't make it more than it has to be so if getting the vaccine isn't actually going to kill you it's those who don't get the vaccine are going to get killed by the virus that becomes stronger because of the vaccine correct and and what billy was saying more moreover was that like a lot of anti-vaxers are saying that this is the vaccine is being used for

population control so it's a way of of killing people that are taking to that vaccine billy's saying that yeah the vaccine is actually being used for population control but it's just because the people that aren't going to get it are going to get killed off at higher and higher rate it's like do they they don't want the compliant people to die the tinfoil conspiracy theorists saying i don't believe any of this but i like the they is trying to wipe out the yeah ignorance so And the thing is there is a little like because the vaccine doesn't necessarily kill the virus and still can spread that like that virus and get super like. It's going to keep mutating. Yeah.

And get super high kill rates. So in a way. Yeah. Their AD ratio is going to be. Yeah. So like that if you like explain that to like an anti-vaxxer, they probably like, oh my God, I got to get vaccinated. Yeah. People who love to listen, anti-vaxxers.

Yeah. And I'm saying, good luck getting them to listen to shit like that. I know, but you just spin zone, like, using that logic, you spin zone them into thinking that, like, oh, they don't get back to die. Using logic with anti-vexers is just not a good thing to do. I know what Billy's saying, though, because you could say to somebody, the elites out there are trying to kill you, trying to kill people that are less educated via this virus. And they're like, yeah, I know. And then you're like, here's why. It's because they know that you won't get the vaccine

and that you're all going to die off. And then the U.N., what is it, Proposition 2-3 or whatever. I need to review the documents more. But, yeah, then that's going to come to fruition because so many people will die. And then they're going to keep doing these boosters until it just like keeps going. Gets the virus stronger and stronger.

So there's only the elite left, the big brands. This was just like, this was very far out there. I don't actually believe any of those. but it's like a good thought process. It could work, man. Go do it, Billy. Like just made a corner holding a sign. I just made a pro vaccine conspiracy theory.

You did. You did. And what Billy won't tell you is that he got the vaccination just because, like, we pretty much forced him to. We're like, hey, if we're going to be going on the road and we're going to be going into training camps, you have two options. One is you get the vaccine. The second is that you don't come along because all these NFL teams and everywhere

that we're going to be going, they're trying not to miss any games this year. They're trying to make sure that the owners don't lose out on a full game of ticket sales. So they're being very strict when it comes to the vaccine stuff. So Billy, you did take the vaccine after a significant amount of bully. No, I

was dragging my feet, but, you know, I thought it would open up. And never mind. It doesn't matter. He did lose a lot of weight. He lost 25 pounds of muscle mass after taking the vaccine. Exactly. Yeah. Can you telepathic to talk to Bill Gates yet? No, not yet. But something keeps telling me to update Microsoft.

Yeah, mine kicked in. I got rid of my app where I'm now buying all Microsoft brothers. No. You got any metal sticking to you? I was like thinking about this. Like, you know, tranquilizer guns? Yeah. Like, you know how they just like shoot animals full of like tranks?

What, they did that with vaccines? Yeah, just run around. Yeah. Oh, yeah. Oh, yeah. Shoot people with vaccines. A distrusting public of their government. That'll go over well.

Yeah, just go by randomly. Drive-bond people with Trenflexicals. Great idea. I bet you Hunter Biden's considered that. Can you imagine him, like, just rolling up into town in the backseat of, like, a Chevy avalanche and he's got, he's like, he's got a rifle with a scope on it, just a safari jeep. Rolling through the heart of Trump country, and it's Hunter Biden actually with a gun shooting

with the vaccine. That scene in the beginning of Mighty Joe Young, like the new one, where then the Army Jeep trying to vaccinate, I mean, try to tranking mighty Joe. you know yeah no yeah hunter's just like smoking crack he's got the vaccination gun on a turret like the ones that you see in american gladiators and he's just roared through birmingham just like gatting people on the sidewalks blast unfortunate son i mean that would be a great movie i would watch it that's ridiculous so credit or the fda real quick the fda just uh approved the vaccine right Pfizer yeah so it's no longer

emergency youth authorization so they're going to have to come up with a whole new bag of bullshit yeah and don't get me wrong like i am like the least trusting person in the world of big pharma i'm like they've they've really fucked a lot of things up for us in this country i mean they're fucking this up but it's just yeah you have to get it you have to get it big t you haven't really said much recently what do you want me to say i've been fully vaccinated since may oh i wasn't implying otherwise yeah i was just i was just wondering if you I don't know. If you had anything to contribute to the vaccination discussion.

Been fully vaccinated since May. That's what I have to contribute. It's a personal question. Hippo. Did you can not answer? Did you feel at risk of COVID? That's why you got it? No.

Call him fat. No? Why would he be at risk, Billy? Wow. Well, he's not. Wow. No, I just. Big T looks like he wants to smack this shit out of it.

And I don't blame him. I'm just. did it was it was the saying on is this the same guy is this the same guy that you said didn't get the vaccine until you made him yeah and when was that that was like a month and a half ago

no it was a long time ago who's been calling me an anti-vaxxer on this show yeah no that is the definition of fake news we have that on tape brother oh whatever fucking idiot dude

every time time we come at somebody with receipts for something that they said i want to hear that's a goal two not two nil west hand by the way um every time we come at somebody with receipts about something i want to hear that sound clip of big tea going we got that on tape brother yeah what's what sucks is that we just been fucking around about vaccines the past 15 minutes and like someone's going to hear this and be like fuck like you guys think this like we'll probably get anger from like no i don't think so i i think people that like just yeah i don't know The people that refuse to get the vaccine because they think it's like a deep plot, it's actually like percentage wise, not as big as you might think.

It's just you see a lot of them on Twitter. You see a lot of like people amplifying that sort of talk. And overall, it's like it's a very insignificant amount of, that's why people that spend all their time like trying to dunk on the anti-vaxxers and like try to win them over, you kind of waste your time. At this point, either people are going to get it or they're not going to get it. The only way that they're going to be forced into getting it is if you make people get it in order to like attend school or like go shopping or things like that.

At this point, everyone's already made their decision about it. Yeah, I agree. And on the side note, Billy, I think Biggie T could beat your ass. Thanks, Aaron. I just do, man. You got the reach. I don't know, bro. I just don't see it.

I don't see how you can get him, Billy. I also think it was just Bush League what Billy just did to Big T. What? That's what I'm saying. That was bully shit. That was bully shit, dog. I want you to apologize.

It wasn't even that you asked. It was how you asked my G. You was like, it was like this little sinister little grin on your face. Like, did you feel? He thinks he's so funny. He's enabled, but it's the problem. It's not, it's not all of our faults. Wait, now are you saying it's my fault?

Yes, partly. Yeah. Well, hold on, hold on. Two things can be true. Billy got some funny moments. Sure. No, I'll apologize. I was being facetious.

That's what I'm talking. Billy's been very defensive. That's also not on an aerospace engineer earlier for no fucking phrase. Yeah, I don't know. Rolled up. Petty could design it can't build it though. Fucking bum. Billy, you said that you would apologize, but you didn't actually apologize.

I said, I'm sorry. I was being facetious. No, you said, I will apologize. I was being facetious. That was me apologizing. I'm sorry. But you're looking at Look at him

Yeah, look at Big T Wow, you got beautiful blue eyes Shut the fuck up Billy See this guy I don't want it, I don't want it I was just I don't want it I was just I don't want to have to forgive him

I was saying I'm sorry I was just He was complimenting him He's trying to be cute I was complimenting him Your voice changed octaves Like that's too late I was complimenting

I was trying to butter I was trying to get the apology Put Billy in the sin bin for two minutes Yeah I mean you you deserve it You just came a big for no real reason. So think about what you've done

and then get back to me. Last thing before credit, dog. You got to do this. So this episode's coming out tomorrow. Actually, so it comes out on my birthday. Shout out to my mom. Happy birthday. Happy birthday, Aaron.

Tomorrow's tomorrow's tomorrow. What year? 86. OG. But today is Kobe's birthday. So I just want to give a little homage to my guy, man. That was my guy.

So just give a little. Shout out Kobe. Yeah, that's Kobe. Legend. I haven't seen it. Bleacher reports probably tweeted like 800 times about that. Oh, yeah. It's been slow today since tomorrow's 824.

So that's like, he gets two days. Yeah, 824 Kobe Day. Yeah. Well, happy birthday, Aaron. Thank you, man. You do anything to celebrate? Probably just going to drink some wine, man. Oh, actually, cool story.

Somebody hit me in my damn. I don't know how real this is going to be, but he was like, hey, I heard you was in a red wine. Me and my brother got a winery. If you're interested in getting your own label and get your own taste of wine and stuff, like hit us up. And so I have a meeting set for tomorrow. Possibly the coolest meeting on Earth is getting my own one because all I drink is red wine.

So that's like, if I could drink my own red wine, like just take me then, take me out. I love it. Yeah. Keep us posted on that, please. Also, we haven't got a chance to talk at least on the air. I mentioned it a little bit before we started recording. When me and Billy were on Grit Week, the last day, we got to hang out with Benny the butcher and record a rap song with him.

Arian produced the beat, sent me all these beats. I put like some guitars and shit over top of it. So I guess it's like a macro dosing collaboration on the beat. And then it's a son of a boy dad, Roan and Lil Sass collaboration on the title. And it features Big Cat and me rapping as well as those guys. And it's going to be sick. It's coming out in like a week and a half. but Benny was very impressed

with the beat, Arian and he wanted me to tell you shout out Arian he was a big fan of yours when you were in the league so he was impressed with your musical ability Oh, you know

time to check out the latest project you know Bohemia I don't know all platforms you know what I'm saying a little self-flug gangay There you go Aaron One of our voicemails that we were listening

I was listening to today was no question no nothing It was literally just someone calling saying that your songs were their favorite song for all time. I appreciate it, man. Put a lot of work into it, man. It's good stuff.

I appreciate it every ear. Arian's music is legitimately good. Very, very good stuff. I think the first time we had you on part of my take, I listened to your album right after you put it out. I was like, holy shit, this is legit. So it's a Bohemia. That's one that people should check out right now?

Yeah, that's my latest one. It just came out probably like a month and a half ago. Something like that. Right around when Billy got a vex. There you go. That's forever. go. All right, Billy's back off time out. Billy, welcome back. Welcome back. Watch your little sass mouth. I don't know why I'm sassy today.

Didn't notice. Did you have a chance to work out this morning? Unfortunately not. Oh, okay. So I see what's happening here. Testosterone build up. You've been working out Ben Mintz too much and not able to get gains in of your own. I know. Uh, all right. Well, let's get into credit, guys. Let's talk about credit. credit is uh credit sucks credit some bullshit overall can we can we specify when we're talking about credit right I'm on the fence

are we talking about credit or like debt what do you mean well it's a byproduct right but it is a part of credit well not all the time but candy because I I may I may have done the wrong homework

Simon I researched debt Okay Well that's fine It's a it's a it's a it's a it's a it's a byproduct of credit Because like credit only came along in like the 50s And 50s you're on a 50s Yeah well so I did a little bit of research on credit

And maybe you guys saw some other information But this is what I found on it So you can trace people talking about credit All the way back to the Old Testament And the New Testament Any sort of money lending When it came to giving you could like lend somebody money that was fine but you couldn't charge them interest on top of that money

so in other words you couldn't make money off somebody having less money than you when they paid you back that was known as usury it was a sin it was against all the rules jesus flipped over the tables in the money lenders uh office i don't know i don't know what kind of operation they ran are you saying that credit is ungodly i'm saying according to the christian and uh jewish Bible, it is a sin. Yeah. It's illegal to loan people money for the purpose of getting repaid with the interest level included in that. So you can't make money off of it. Yeah. To this day, us in certain countries in the Middle East that follow strict Sharia law. Yeah. So there was, for a long time, you weren't allowed to lend people money and get paid back interest on top of it.

And then in, I think it was in the 1500s, there was in like the Victorian era of England, everybody was, your life, if you were living in that era must have sucked because you all talked about like the Roman Renaissance and all this shit. And you thought about the Roman Empire as being the greatest time in the history of the world. And here you were living hundreds of years after that, just waiting for the second coming of Jesus. and that's really all that you had to look forward to then because not a lot happened in those dark age. Not a lot happened in between the time of the Italian Renaissance and people were just kind of like keeping their head above water for a while. And they thought that the economy was zero sum,

meaning like it was all based on gold or land to a certain extent. And there's only so much gold that you can have or so much treasure that you can have. And so if you wanted to increase your wealth, that meant that somebody else was going to have to lose some of theirs. There was no notion of let's grow the economy. That was not really a thing at the time. But then some people started to think about it more and said, well, if you were able to grow the economy, then we can all, we can increase the size of the pie. And yeah, some people have bigger slices. Some people

have smaller's. But in order to do that, you had to figure out a way to lend people money. We are going to get back to macrodosing real quick, but before we do, we want to talk to you about our great friends over at BetterHelp. We love BetterHelp. BetterHelp is an online company that you can use if you have stress in your life, if you have anxiety. If you're looking to talk to somebody, and maybe you don't want to go ahead and make the commitment to go find a psychiatrist, go into their office. Maybe you're uncomfortable talking to people face-to-face. Better help can help you out a lot. And life is full of stressors.

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That's betterhelp.com slash dose. now more microdosing. Macrodosing. More macro dosing. So debt is kind of crazy in lending money and that whole idea. But the idea of debt like pre-dates money like, you know, exchange economy or even a bartering economy. The idea of debt dates back to prehistory. The idea that many communities and there's a great book called debt the first 5,000 years by David Graber, who sort of explained that debt happened amongst communities and some of the first forms of any sort of market or exchange were really just neighbors giving each other gifts when they could as sort of a form of informal debt. So, for example,

let's say I had a harvest. I, you know, had a certain amount of grain I had. I had excess. I would just give it to the rest of the group as without any sort of expectation of formal you owe me something but in the agreed idea that's one you had excess you would share with the rest of the group and that was sort of this idea of exchanging of goods whenever whenever was sort of this original idea of debt and then when bartering economies sort of formed with the exchange and some people like the idea of money as a whole of a unit of measurement to exchange, actually, you know, the sort of concept of it predates any sort of coinage or paper money. Like, for example, cattle in livestock were kind of considered money in the bartering system, whereas like you hear these ideas, like, and it still

today happens in some nomadic communities where they exchange. like five cows for you know a certain amount of goods and that's even though that was a part of this what else was part of this was marriage marriage is a part of this as well they used to like brought her off their daughters like you give me certain land or livestock and my offer my daughter to your oldest son or whatever case right and that's sort of where this idea of debt comes from because in the exchange of goods without the direct expectation of getting something return immediately is sort this idea of recorded debt. And a lot of this was on social interaction in sort of social standing, whereas if you didn't pay your debt, you were sort of letting down the rest of your community.

But this idea of debt getting recorded then extends once sort of the market economy occurs and like the ideas of harvests and the inability to repay different, you know, vendors because of a harvest and how it will turn out, sort of start to get these more rigid constructions of, you know, monetary systems and payment. Also, it would be such a flex to just, like, roll up to the market with your entire herd of cows, like the biggest herd of cattle in the entire, like, in the country. And be like, yeah, I keep, I keep a pretty fat stack on me all the time. Like, just letting everybody know how rich you were just by like, yeah, these are my

animals you would actually be fucking loaded billy if money was still based around how many animals you had living yeah i i think that way yeah uh peasants so there was also that remember that we talked about this with the crypto stuff back in the day where uh there was that island out in the south pacific i think and people would just there were these giant stones that people would keep in their yards that were like too busy or too big for one person to move and so that was just how they kept track of who had what money. It's like, oh, I've got six of these, you know, 20 foot stones. Yep. Stones? Yeah. Yeah. Exactly. So, um, so, so you can, you can trace the usury and, uh, like money being loaned out at interest rates back to about like the, uh, 1,100 to 1,200 to

at least when it comes to to Europe. So caveat on all this is all like very Eurocentric what I'm we're talking about because I frankly wasn't able to find anything out about what the practices were in China or in Africa or in India or in South America at the time. All I know is what happened in England. Maybe somebody else has been able to look into that. But that takes us like through at least a few hundred years. And then in the modern credit and debt era, we talk about like the three credit monitoring bureaus, Equifax, Experian, and TransUnion, right? I think those are the three. Do you guys know what your credit scores are? I don't have one. You don't have a credit score? I recently, yeah, I never opened up a credit card, so I had no credit

score. You should have a credit score. No, they looked it up. It can't be, it can't be zero, can it? Is that even fucking? I literally was trying to get an apartment and was like, do you don't have a credit score? I think you don't have credit. you don't have any credit built, but you probably still have a score. I think that's the case. Then it's probably a dog shit. It's low. It's probably low because like no credit.

They say bad credit is better than no credit. Or some stupid shit like that. Yeah, they do. It's really, it's a very dumb fucking system. Did you? When I came out of college, when I was first out of college, I didn't know shit about credit at all. I had dog shit credit, though. You probably didn't have to deal with this.

But my finance guy calls me, he's like, yo, you got a bill overdue. since you was eight years old. I was like, what? So my parents put my, the phone company, the phone bill of my name when I was eight. And that company wasn't even in service anymore. Fucking hilarious. But that's still on your credit report.

Like, they keep track. It was, yeah. I'm sure I still have my gas bill from when I was in college where they came by and they shut my heat down. Because I figured that if the mail was in my mailbox, I never checked it, then it didn't make a difference. Like, it wasn't real until I got the letter out. It turns out they'll just shut off your gas after a while.

So I'm sure that's still on my credit report even after all these years. But yeah, Billy, you need you start building credit. What's your credit score, Pete? I don't know what my credit score is. I know it's pretty good because when I bought a home when I was in Austin, I qualified for a decent loan. So I think at the time it was around like $7.90 or $800. Oh, that's big time.

I don't know what it's at now. But I haven't, like I haven't missed any payments on. any bills, but I don't have a mortgage up here. I just have rent. I don't own a car anymore, so I don't have a car payment. So I would assume it's still pretty good, though, if that's where it was. Yeah. No, I got to be.

What about you guys? I'm at like 840. Damn. Yeah. Is it possible to be rich and have shitty credit? Mm-hmm. I said, I said coming in here, I was going to be disappointed if you didn't have a good credit score.

Why is that big team? Because you're rich. It must be pretty tough. How you know I'm rich? I know I'm rich. Why are you in my pockets, duh? Well, I think you've said on this podcast before you're rich, but I mean, your career earnings are public record.

We got that on tape, brother. Yeah. I think that needs to be a T-shirt. We got that on tape, brother. I totally researched the wrong thing for this. Okay. It's cool, Billy. Don't beat yourself up over it.

Oh, shit. Look at it. You can see it melting. Look at the soul. The Sal is whittling away. What are you going to do now? I don't know. What are we talking about?

You're not the info guy now. Yeah. Oh, Billy doesn't have any facts today. No facts. Oh, shit. Big T. All more facts than Billy today. All my facts are about like money lending and like the Viking times to go like raid monasteries.

That's fine. Yeah, but Big T, you have any facts? Um, not in like that way, really about credit, I guess. What do you mean? I mean, it's, it's a bad week to ask. for that. Like, I don't have any fun facts about credit. Okay. Bad week. My fault. Should not have asked you. Well, anyway. Uh, so yeah, we need to get you some credit, Billy. Can you get me some credit too? Because I don't know how to do that. Yeah. So what you need to do is

take out, uh, go to a payday lender, take out a loan that's, uh, way more than you can afford. Right. And then you start paying that back until they come at you and they repossess your car. So I have a credit card that my, like my mom, like when I graduated college, a couple of once ago my mom made me get a credit card because she was like okay now you're an adult and you need a credit card um i didn't like when i got my apartment in the city i didn't need it or like i didn't need did you take a credit check on you because that's where i found that i had no credit okay so no because um i have my like my dad is my guarantor so it was like his credit like i pay rent but like because i had no credit or no and i'm an intern so i didn't have an income like that they

could be like okay this is like 40 times the rent um so they don't they don't need it but i don't like my mom just says like okay if you're buying like furniture or like something big put it on the credit card i don't know i don't know how this shit works can this be like a crash course how young adults why why would i need a credit card i like have a debit card i don't want to open a credit card because why would i want to spend money you don't have really really the only the only that's not what credit is for i i watched a video on it that show knowed why credit is a good thing and like why credit cards aren't the devil. But I am so nervous to fuck up my credit and then like I can never buy anything big.

So you know, you never, you never, this is an advice to you young folks. You never buy things with a credit card which you cannot pay back at the end of the month. What am I paying it back with though? My debit card? No, no, again, with your bank account. So why am I? So why am I. Here, here, here.

Okay, okay. Don't yell at me. No, I'm not, I'm not telling you. I'm not like you. It stresses me out. Yeah. So this is the basic, this is based how you should use it, right? Don't get a big credit card, get like a $500 limit, $1,000 limit, right?

And just start small by buying groceries. You buy your groceries with it and you pay that off at the end of the month. Three or $400, however much you use for groceries, right? Just do this, like a little gas money, stuff like that. And over that, that says to the credit company, it says, okay, this person is a responsible person, which is all that it is. Your credit score is basically a reflection for lenders to say how probable this person pay me back.

How probable this person will pay me back? That's all it is. And so if you're highly likely to pay a lender back, you get a lower interest rate when you have to buy, when you have like a big purchase, a home, a car, something like that. And that's what you want to base around. Don't base it on like, yo, I want to go ball out at the mall and I'll hustle and find it at the end of the month. No, that's the worst way to do it.

That's how you get in the forever-ending debt of American economy. So you just want to use it to pay off small stuff. So like, okay, so for people like Billy and I who like pretty much just started, like, quote-unquote, like, adult life. So if I, like, just started a credit card, like, what's, like, the base credit score? Like, what's my credit score if I, like, have nothing yet? I think that there's a lot that goes into that, that it's variable from person to person depending on, like, your background, how much money you have in the bank, all sorts of other stuff. But I think my best guess would be if you just started building credit, if you've made like

a couple payments, I don't know, probably like mid-500s, something like that. And what's the highest it can be? That's a good question. Was it 800 something? I thought it's 800. It's like super, yeah. It's 850. Yeah, okay.

So the idea of creditors, like, taking stock of individuals and how creditworthy they are is something that dates back to like biblical times like you'd have a set amount of people who would lend money in the in the back to you billy bring it back to you baby i got it i got i did find this one no that basically to determine if someone was had able to pay back loans and uh there was basically standing in the community and that's how lenders would figure it out it was between like at all types of institutions used to lend money back in the day like churches like in rome different churches of different gods would lend money and like also you know kings and queens would lend money for example christopher columbus actually died in prison because he couldn't pay back loans from uh queen

aragon of spain and the other guy from that financed his trips to the new world so okay this is going to be another dumb question do credit and taxes have to do anything each other at all? Are those two separate entities? No, you can fuck up your credit if you don't pay your taxes correctly and then you get a lien on your paycheck or something like that where you start

to owe money to the federal government then that can fuck with your credit and there's a lot of different things that can attack your credit like so like child support. So they can come up they can garnish your wages. Any kind of debt owed can eventually get

shown on your credit report. and fuck up your whole shit i can i feel like i could i feel like actually cole you go first well i was just going to say like i had given up on my credit probably i'm 31 now so like seven years ago when i was just like working security like i was not paying back student loans uh getting a lot of angry uh calls from people uh and yeah my credit score tanked and then when i got to new york it was just like all right everyone going to be living in apartments forever like i completely gave up on ever being able to buy a home shit like that and then when it came time last year to actually like oh i have a child now i

need a of a home uh didn't think it was going to be possible but like fixing your credit wasn't as hard as i thought it was going to be like mine was bad like not good um but like i only had to pay off like four things and it jumped like 150. It was very shocking to me how easy it was to bounce back. Also why? Okay. So, Coley, that makes me feel better about the fact that you're not screw for your whole life. Right. But also, um, the only like really credit score information I have is from like credit score like credit karma commercials. No free ads. Um, why does it hurt your credit score to look at what your credit score is. Is that a real thing? Or is that just no. So there's two different ways they look at it. There's like a soft pull and a hard

pull. A soft pull is and I still don't fully understand why it can negatively impact your score to like have someone look at it. But a soft pull is like you checking it yourself on one of those kind of apps. And you can do that whenever. It has zero bearing on your score at all. A hard poll is when you, like, apply for a loan or, like, try and buy a car, try and buy a house. That's what they consider, like, a hard pull, apply for a credit card, stuff like that. I don't have the answer as to why that would ever negatively impact you, but it's also, like, they kind of do it by priority. So, like, a hard poll can negatively impact it, but it's low impact, as opposed to not paying bills on time is what they consider high impact. So you want that above 90%.

Obviously, you want it 100%. That's not always feasible for everybody. But as long as you're above 90% paying your bills on time, you're good because that's high impact. Those hard polls that we're talking about for loans and stuff, that's low impact. But can still fuck up with your score a little bit. The way it was explained to me is that if you do a soft pull,

it means that you're considering getting a loan somewhere and you're shopping around because it makes a big difference to you to get like a slightly better interest rate at this one place versus another place and you probably don't have as much financial literacy to know where you're going to go to get the best credit score.

So it's basically saying like, oh, look at this broke boy applying for loans all over town and it's a way of like negatively impacting that a little bit. That's how it was explained to me when I was selling used cars back in the day. And it will like, because if you have to do a soft pull on your credit score in theory it's because you're not sure what you could qualify for does that make sense yes so i think i think like one of the big things that that people um uh need to understand

especially young young people um and like people my age too right um i'm gonna like i'm up the 1% so it's like i'm not discussing people like me but like it gets it's like a daunting task right it's Like, it's, people get afraid of checking into their finances, looking at their finances. Like, some people are afraid to look at their bank account sometimes because they're just, they're just unsure what's in there, right? Yeah, that's me. Yeah, it's, it's about being, it's about being honest about where you're at. Like, that, that's what it did.

And not being, like, feeling bad about where you're at, right? Like, we're all at where we're at. But in order to get any kind of progress where you want to have progress financially, you have to be honest about where you're at. You have to be honest about what you know. Don't beat your chest. Don't pretend. Like, I know, I know a little bit about this just from, because I hire financial planners, right?

So, like, we have conversations, but that's what they, I pay them to do that. I pay them to watch my finances, watch the stock market, you know, and I can explain what I can explain. But I think people, like, in the day-to-day, they don't have time, especially if they're grinding on the 95, they don't have time to learn the nuances of financial literacy. And so it's about seeking the information to being honest about where you're at. This is where I'm at. this is where I want to get to and just this is what I think we have in this country

there's like a stigma talking about finances talking about how much money we make because nobody wants to seem like they're poor nobody wants to seem like they don't have enough or they don't have but fuck that shit you're at where you're at and if you want to get to a certain goal you got to be honest about where you're at or else you're never you're going to be chasing your tail your entire life and the irony is if you if you try to pretend that you have a lot more money than you do that's actually the fastest way to becoming seriously poor is when you if you get yourself into trouble and like erin was saying earlier use a credit card to go out there and buy stuff that like big purchases that you don't necessarily need but you're like oh it's a credit card they'll let me spend this money and i can get you know this jacket or i can get whatever sort of material thing that you want that you might not be able to afford and then you can't pay it back on time and then that does impact your ability to buy a big ticket item that you will need down the road like a car or like a house if you want to get to that point so um i think i think i think one of the biggest things I learned, too, was, like, keeping up with the Joneses is, like

he said, it's like a one-way ticket to disaster financially. I got finding out that there were cats in the NFL that were living check to check was fucking crazy to me. Like, you can get $300,000 in one check, right? But that's how bad your spending habits are. That's how bad your expenses are is all that shit goes. And you literally living check to check with a massive amount of money coming. Like, and that shit was scary to me. And so I was always, like, scared to death of going broke because I see how fast it goes. Even, even at the level of getting that much money per check. And that sounds stupid. Like, how the fucking you blow $300,000 in a week or two? It's like, you'd be surprised. You got, you got bills. You got friends. You got family. You got all of this stuff. People surrounding you. You want to go out to the club. You go out to the club. You go out to the club. You're We used to go out to dinners. Every Thursday we go out to dinners. Like sometimes it was the linemen. Sometimes it was just the RBs.

And like the check would be like three, four thousand dollars for a fucking a meal. And we would all like, and like grant, that's not sustainable. I don't do that shit nowadays. But when you live in that kind of lifestyle, right? And I don't live that lifestyle anymore. When you're living that kind of lifestyle, that that shit goes. But it's just like, it's just like anything else. If I make 60 grand a year, 50 grand a year,

there's a certain lifestyle that you have to live in order to have a sustainable pathway financially. And so it's about being honest about where you at, though. That's the thing. People ain't honest about that shit. People would be surprised, though, I have one pair of jeans right now.

I have one pair of jeans. I have one pair of jeans. I just refuse to spend my money on frivolous shit. I'm not into that shit. I just can't, I can't rectify spending all that money on clothes. It's just dumb shit. So, like, I try not to blow my money on dumb shit. That's really smart.

Everybody out there rewind the last minute, minute and a half of this show and listen to where Arian just said again. That's probably the smartest thing that anybody's ever said on the show. It makes so much sense, too, because, like, depending on what station you're at in life, if you're around other really rich people, you might be inclined to do things like, you know, go out and spend a lot of money on a certain dinner from time to time. But you need to take, like, a bigger picture of things. And, like, that money is not going to be around for forever. So if you spend, if you kind of keep things medium with your spending, it's, that's going to be a much, much safer way to do it.

What's the, what's the biggest restaurant tab that you ever saw? We was, I think we was with the Oline. And with O'line, they're assholes, man. They used to like, so like, there's this, there's a shit called Louis to 13, right? And it's this. Yeah, so it's just liquor. I don't even know what I'm not into whiskey or scotch or whatever fucking is bourbon. It's one of them.

And so, but it's like $400, $500 a shot or some shit like that, something dumb. And so we would order bottles of the shit, which was like $1,300 a bottle or something like that. So that shit would get passed around, steaks, sides. There's 16 of us eating at one time or something like that. So, like, I seen, I seen tabs get up to the 15, 20 grand range. Damn. Which is just wild. This is wild.

There's no liquor in the world that's worth $400 a shot. at all at all I get a $25 about of Crown Royal good money unless it has mushrooms in it then I could maybe that's still a lot of money

but you just got and buy an A yeah the mushrooms themselves are much cheaper yeah that's what I'm saying PFT's been getting ripped off by his mushroom dealing mushroom guy's been absolutely

fucking yeah what what do you find yourself because we're talking about it like and the response responsibility aspect, of course. But, like, what do you find yourself splurging on? Like, what do you like to treat yourself with?

So, like, this, this setup I have in here, it was, it's probably like, it's probably good, like, six, seven grand. Yeah. It's little stuff like that. So I, so the, PFT mentioned that I made the beat for that Benny the butcher shit. I have a studio set up in my upstairs room, so I got, like, nice speakers. That was, that probably, that studio probably costs me 20, right? Yeah.

So, but it was. That was over the course of like a good six years of me getting something here, getting something here, I just didn't drop 20 on it. So, like, I don't really splurge like that. Everybody that knows me knows, the only thing I spend money on and people around me, like, taking care of this, taking care of that. And I don't mind doing that because, like, at the end of the day, like, I don't want to die being a millionaire, bro.

That shit would be dumb as hell. So, like, I want to, like, make sure my kids are set up. They all have 529 plans, which is a college plan. I think the crazy shit I'll travel like so experiences essentially yeah I'll go I'll go to travel like I'll go I'll go to New York and stay at a nice hotel and and just sitting that motherfucker I want to do that in the city I just sitting there I got I had a hotel in New York I think it's right across it was in Brooklyn the one hotel Brooklyn yeah I bitch had a I mean you had a hammock in it with the city view.

I was, that's why I was so lit on the oceans episode because I had a nice You're just been swaying in the breeze all day, drinking wine, yeah. That's smart, though. I'm kind of the same way where it's like material shit, don't really spend that much money. I don't really have time to enjoy any material stuff either, just because we work a lot. So I've got a decent television. I've got guitars is probably the one thing. Like, I'll buy a nice guitar every now and again.

I'm probably overdue to treat myself to something nice. Yeah, yeah, and I think that's big too. I'm not saying being Nazi about this shit. You don't have to be like, I'm not spinning. But you should enjoy your spoils. Absolutely. But like figure out what it is and figure out how to be cost effective and enjoy yourself. Yep.

And Billy, to get back to building your credit, you should have like a weekly thing that you purchase. So I don't know. How often do you buy frog food? like once a month on Amazon once a month on Amazon basically how much you spend on frog food it's literally like seven dollars oh that's it dude you gotta

what do frogs yeah you know his frogs are probably fucking miserable freeze dried meal Billy's buying it you're buying the worst food no no it's they love it it's not like a slave over Billy they love they eat take care of your well I take care of all I do not worry

I take care of your frogs bro I do take care of your frogs I do Get the high quality frogs. As a former frog owner myself, I always got fresh live crickets for my frog. What type of frogs did you have? A little guy. You never told me you had frogs. What type of frog?

We grew, like, we got the tadpoles in fourth grade, fifth grade. And we grew them from tadpole to frog. And I got to keep mine. His name was obviously Fred, Fred the frog. He was a great guy. Billy's like you've been holding out on your frog. I didn't know we had a thousand. fellow frog guy here and you ramler well where I live now like I live right on a brook and so I've got I saw a massive fucking guy on my front steps the other day I tried to take a picture of him but my dog scared the shit out of him so he jumped away no yeah I mean I have a very like I know I have a budget like an Excel spreadsheet that I budgeted out all my expenses I mean how much like protein powder is probably the most expensive thing you buy I don't actually take protein okay I can

tell because yeah no what do you what's your biggest line item in your budget um we're gonna get you a good credit score billy honestly it's probably

like weekends because that's the only time I eat out okay I mean rent though too rent of course yeah rent doesn't count on I don't have that many expenses I don't spend money okay so but do you have a recurring monthly

the grocery family food yeah food okay how about this every time what kind of protein do you like to eat the most well I buy chicken breast okay and then I keep it meal prep with it okay so every time you buy chicken breasts

put that shit on a credit card and then at the end of every single month pay off exactly how much you owe although I have heard from some people maybe someone here knows a little bit more about this than I do I've heard that you don't necessarily want to pay everything down to zero you want to have like a little bit riding on that account but i would i would say pay off what you owe every single month

and just keep that going go do that for like a year now this is my argument so i spend let's say spend twenty dollars on chicken and then at the end of the month i use my credit card but then doesn't it more expensive because of the interest on that twenty dollars now the interest typically, I'm sorry to cut you off, but the interest will typically only kick in if you don't pay it off. So as long as you keep paying it, it will stay. You won't, it won't cost more. From what I learned, yeah, like if you pay your credit card bills on time, that's the only form of lending. Please correct me if I'm wrong, but it's like the only form of lending that doesn't have interest because if you pay it on time, they don't. They don't like it when you pay it on time

because that's not how they make their money. But yeah, if you, If you pay it on time, then you won't start running into this whole interest that snowballs on you. Yeah. So just pay it off every month. And then that builds credit. And then people that look at your credit report in the future will be like, oh, this person pays his shit.

And then they'll be more inclined to loan you money. But it's really good to start now, right? Where you young, right? Low 20s. And you build that shit for 10 years. If you do that shit, if you buy a chicken on your credit card, you have a chicken credit card for 10 years, though, that shit will build your credit. And all of a sudden, you 35, you want to buy a house.

it's easier to get a loan for it. That's basically what I did. So I'm a year out of college. Last year I got a credit card. I just went on a website. I typed in all my information. It told me what credit cards would be best for me. Got a credit line.

And I just started paying it off. Like I'm just like half. Like I don't max it out because apparently if you max it out, I found out that it's actually worse. Like they want to see credit in your account. So I do about half. So I do half my credit line. And it works.

I build about like two, three points every two weeks when I pay it off. And it's going up. About like 720 now. It becomes negative the second you stay over 50%. So that doesn't mean like you max it and you pay it at the end of the month. That doesn't matter. But if like over a month to two months, you're still above that 50% line, that's when it can be negative on your score.

Yep. So, Billy, just try buying smaller things on it, paying it off every month. You'll be fine that way, but it's pretty important to, like, start getting credit going at this age. Yeah. The really dope shit is like, so American Express is like a really, it's like a, it's like a high end credit card company. But, but Amex has so many perks, right? They have like a concierge, right? I have a platinum.

I think you have to have like, I think you have to spend like, you. two million or something like that a year in order to have a black car or something like that. Yeah, I think that's right. I don't know. Yeah, something like that. But mine's also unlimited. But the dope shit is, and this is why I encourage people to have credit because it's like when you have good credit, people treat you better, like companies and stuff like that.

Like I hate to say it, but it is just fucking. It's classes. But like, so they have like they have a concierge concierge at Amex. So like if there's any like, if there's an event you want to go to, right? They're like, yo, can you can you give me tickets to an event? Like, they have strings that they pull in any, like, games, like, all that stuff. And it's all free, right? One of these times, one time, they called me and I was like,

yo, we have a fraud of a purchase of $1,800. We have an alert on. Was this you? And I was like, oh, hell, no, that wouldn't me. I didn't, I didn't do that. And so they wiped it from my credit score. Like, I mean, they wiped it from my account. Even though the purchase went through, going to find out, like, a month later,

whatever I ordered actually came out. Oh, shit, I did actually order that. But they just forgive shit like that because you're so diligent about paying it off. And you'll not find just your credit card companies do that. Everybody you deal with professionally, that's how they view you. And so it's like it's more of like, it's just like fiscal currency, man. That's all it is. Like people just treat you kinder.

And like I need all that I can get because I don't deal with people too well. It's like having a Yelp account for yourself. Right? It's like that episode of Black Mirror. episode of Black Mirror where I mean that was mostly based on people's like online media and social media profiles but this is about just their their financial situation and so it's a way for companies to keep score of you actually so it goes back I trace back the history of credit in the United States to the 1800s and 1898 there was a Tennessee grocery store and it was called

they set up a system called retail credit and it started this one grocery store I don't know whether it was in East Tennessee, Big T, or where Dollywood is, or if it was in central Tennessee, we'll look into it. But they started a credit system. And so they, the shopkeeper there would keep track of

which one of his shoppers was good about paying him back for things if they, you know, didn't go to the store with, you know, their mole skin filled with coins or whatever fuck they used for currency back then. And so the guy would like, you know, he'd write down how much you owe me in the ledger.

And then if somebody paid them back on time, they'd get a good mark for it. And so over the course of years, it started growing, grow and grow. And then this dude started to sell his list to other grocery stores and retailers in the area in Tennessee. Basically just like, here's a list of people that are good for it. You know, that is really a Yelp for humans is what he was selling back then. They used to do that. I'm sorry, go ahead. I was just going to say it kept growing, growing, growing until I think like the mid-1900s.

And then they just changed the name of it to Equifax. And that's where that bureau comes from. That's how it started. Wow. So a little bit of research I did. They also did this in New York, like in the 30s, 20s, 30s, where they would, same concept. They actually had cards, though, I think. And it was like a club card for like really nice restaurants in New York, like one or two restaurants in New York.

A guy would come in and just show you that you have a card. They put your bill on a tab, basically. At the end of the month, you come back and pay it. And if you couldn't pay it, like, you were never allowed to eat there again. Hmm. Feels fair. Yeah, that does. You would get a shitload of people just going there once to be like, yeah.

One time. I don't plan on coming back. I'm going to go for next to a steak from my ass night. Oh, no, I can't come back to the expensive restaurant I was never going to go to. Yeah. This might be a question that we don't have an answer to, but where do, like, bounce checks fall in all this? because that used to be like i know at least by me they used to like tape them to the register like if you were this person we're not accepting your shit anymore yeah i think that was

mostly just to embarrass the people as a no for sure it's like if you if you write me a bad check in this establishment uh your preacher your teacher your babysitters any girl that you might be thinking about asking out they're going to see your name be like oh shit that guy's broke Speaking of bounce checks, is everyone in this room seen Catch Me If You Can. I have. I just watched it the other day. Just watched it over the weekends. One of the best movies of all time.

So good. For fire. Great movie. I saw it once when I was really little and don't remember any of it. Billy, you would really like it. It's a good movie. Yeah. So that was kind of going back in time to how a grocery store contributed.

So there are three credit bureaus that contribute to your score. One is Equifax. That's the one from Tennessee. and then there's another one started in 1826 with a group of London merchants and then they would just like it started out like word of mouth and they'd be like hey this person doesn't pay oh yeah I heard this person doesn't pay stuff that you would normally talk about if you were a business owner meeting with other business owners back then but then it grew and grew and became a little bit more formal

and then there were two aerospace engineers that got they can't build it yeah they exactly these two guys let's just call them Q and what should we call the other guy Charlie you had Q and J

they got together and they thought they were actually kind of like how crypto evangelists are now they're like yo credit that is the currency of the future

we need to set up like a formal organization around credit and they started this company and they basically sold, they wanted to sell people their credit scores. So back then, you could, you could have a bad credit score not know. And so their idea was, okay, we have everybody's

credit score. What's a good way of making money off this? Not just so that we're selling it to retailers, but we can also deal with the general public. Oh, yeah, let's sell them their own credit score and make money that way off that end of it. And that became Experian in 1990. So that's where the second one came from. And now it's the law that you can access your credit report for free. You can look up your credit score if you want to. And then in 1969, a company acquired a debt collector, which I'm very woke on the fact that debt collection services are very much like in cahoots with credit companies. They're just like two sides of the same coin that feed off of each other.

but in 2002 they bought a debt monitoring service and they bought a debt collector and they became trans union and that's the third credit monitoring system and so that's how you get your FICO score and do you guys remember back in like the early 2000s there was like you couldn't you couldn't watch a television show without seeing a commercial for free credit report.com yeah you guys remember that tell your friends tell your dad tell your mom yeah so I was always very woke to that in that if you're looking up your credit score based on a commercial that you see on TV, it's probably because you have some shit that you think might still be on your credit score in the past. So if you've got a couple defaults or if you had a repossession

or if you had like a utility bill that you know that you still owe money on, that's the prime audience for somebody that would type in free credit report.com to look up their own credit score. And you have to give like a certain amount of information to access it. I think that all that info went to a debt collection. service. That would be like, okay, here the hot leads coming in. Oh, this person, they owe, you know, $400 based on an electricity bill from 10 years ago. They just gave me their phone number and their home address while they were trying to look up their credit score. Now I've got their information. I can contact them and try to collect on that. I don't think it was a consumer-friendly

product at all. I think it was like it was dressed up and marketed as being, hey, now we're making credit equitable to everybody you do you have a right to know your credit score but in reality it was just like some dude sitting in a call center that would get an email being like uh yeah billy just looked up his uh his uh master card bill and we know exactly where he lives right now and we've got a cell phone number huh that's what i think was going on with all that free credit report dot com well it felt like there was probably uh also some sort of handshake agreement from the 1 888 call collect people because once cell phones came they just had no had no space left on television they had to fill that air with something yeah yep uh 1 800 collect what else was

there what was the one that you just said cool it where you can get a long distance call for up to 99 cents yeah i think it was what was the one where he was like hey um balz mary had a baby It's a boy. Oh, yeah. Let's see, 1-8-7. No, that's cars for kids. What's the... 10-10-2-20.

10-10-2-20. You remember that? Nah. All that's running through my head is fucking J-G. Wentworth 877K. All that's going to. I think it was 10-10-2-20. That's how you get a long-distance call

for up to 90, for up to 20 minutes. for 99 cents Yeah, but That was fucking everywhere In the early 2000s Late 90s for sure And also Any place that's selling

Credit repair services Stay very woke on that Because those are just Debt collectors also And they're just there To take your money And they pray Predominantly on poor people

100% Yeah Are there still people doing that On college campuses Billy Maddo All you young folks Are they still doing that where like people will try to sell you credit cards everywhere you turn i actually uh this is you just

unlocked a memory for me in sixth or seventh grade maybe we had a teacher we were talking about this i don't it was in like a social studies class and he goes when y'all get to college they're going to be up and down like the main walkway trying to sell you credit cards and somebody like connor is going to be the first one to sign up for one because they're going to offer you two football tickets and he's going to sign up for a credit card and he's going to sign up for a credit card that's going to fuck up your credit. I never, I don't think I ever saw that at college.

There were people like trying to pawn shit off on you all the time, like businesses and stuff, but never a credit card, I don't think. There's a credit card commercial on right now on the TV. No, I remember that at my college campus. I was walking home from a home class one time, and my roommate was with me, and they had a master card thing set up there.

And he was like, oh, shit, I can, if you sign up for a credit card, they'll give you this Philly's Blunt, shirt. And so he signed up for a master card just to get a Philly's Blunt shirt. Now, I'm not, I'm not totally looking down my nose at him because I also signed up for like eight master cards at Washington Redskins or football team training camps that I used to go to. And they'd have those stands set up there. I was like 13 years old. And I would sign up at the drop of a hat for a master card if it meant that I got a Washington football team towel. And I probably had like six

or seven of those over the years. So yeah, they do try to prey on people in the moment making like impulsive decision to sign up for one. So my best advice would be like look and see get a points card. See what you can see what credit card you can get that either gives you like is connected to a frequent flyer account or can give you points or cash back. Just look it up. I'm sure that there's a lot of stuff online for people that don't have credit. Here's some good credit cards to sign up for and then you just put everything, not everything, but you put certain repetitive purchases on that card every month and you pay it off at the end of food. Chicken and frog food. yep that's what you should do bill yeah that's what you should do my dog oh also big reason

that credit caught on in america is because of cars without cars i don't think that that credit would be excuse me nearly as big of a deal because when henry came out with his model t ford not a lot of people could afford it yeah it was it was less expensive than some of the other stuff that was out there but still it was a big ticket item and you weren't going to sell it to most America at that price point. So what General Motors did, they created GMAC to the General Motors Acceptance Corporation, which essentially would loan money out to people in order to buy their own product that they were selling at a lower interest rate. And so then as cars caught on in America, they were probably the biggest ticket item besides a home that anybody would purchase. Credit

became more and more available to everybody. That actually gives me a great idea. We should just sell we should start saying that our t-shirts are like $10,000 or you could pay $5 a year for the next hundred years on this payment plans yeah like I actually think that there are some like companies out there would be smart to probably take the car like the pricing model for cars and just like give everybody Bobby Benia contracts to pay off in like much smaller denominations It's like, well, like, yeah, you can buy this sandwich for this $18 sandwich. I went to a deli the other day, got a sandwich was $18. It was worth it.

It was delicious. But if they had said, like, you can pay $0.49 a year for the next 50 years for the sandwich. I would think about it. For sure. You know, it's like really interesting about like the history of banking and why people want to lend money. Because, yeah. We could do, we could do a whole segment on baking. That's kind of what I see.

That shit. Yeah. Well, see, I don't know if you want to go into it. Real quick, I'm going to let you pivot, but I had to get this off. The Model T Ford, the first one, it was $825. Roughly $18,000 in today's money, but that's, well, there's my fact for the day. Go ahead, Bill there's actually a pretty fair price. Yeah, wage, wages haven't grown.

For the first car ever. Yeah. Prices have gone up, but wages haven't grown in the same way. money okay Bernie lived hard yeah no but dude I mean if you study it money money's like really like you know I did this a lot in school like money nowadays is not like it's a concept it's not a physical thing and like dating back like when they first started the market economy when they're using stuff like you know beads or shells as a method of like value um it was really you know it was originally supposed to be represented to be representative of like something of value so there should be as much money in the economy as there is assets of worth so called a called a fiat fiat currency yeah i mean if we want to get into the end of breton woods in 1971 when they took it off the gold standard like it's really crazy look at that stuff and you know i love this let's get let's get every finance bro that

listens to this podcast like super mad at what they're hearing right now like you guys are fucking this all up i know i almost was a finance bro you are a finance bro just without i was a finance bro my freshman year yeah yeah yeah i was i was a finance major going to school and then i switched to cycle at a barstool yeah no it's crazy like when people the reason banks lend money is that they actually lend more money than they actually have in the bank so that when people pay interest payments it grows that original money into more actual money and like there's this concept of when they write in uh it's called pen stroke money where basically they write the money into your account and that's how it appears that is how money is created or through yeah or through

qee quantitative easement you know anything about qe billy is that one is there it goes burr well yeah exactly print to go burr yeah printer go burr it's just it's essentially QE is is God telling all the all the banks like get your paper up here you go so like even though banking sounds like pretty nerdy like the history of banking and like you know how loaning money like cause progress and like you know create a lot of cool stuff like so for example Vikings used to lend like a very good example is like let's say you were the second son of like a Viking lord and you weren't going to inherit the castle and you wanted to make a name for yourself so you go to maybe your father or another yarl for a loan and you literally go up in front of this like big chieftain and be like i want to get a boat full of warriors like i need to buy swords and we're going to go raid monasteries and bring back like tons of coins and chain like in riches and plunder and then the dude just literally gives you a small chest of coins and says like go you know buy all that stuff and then bring me back a certain amount of what you get plus you got to repay me for

all this stuff and like that I found cool and that sort of like is also what funded a lot of the expeditions in the new world like the it's a plot of succession is is pretty much what you're getting yeah everybody being like yeah dad trust me just give me a little bit of money I'll make it worth your while yeah just uh also the roanoke colony was the exact same thing but it failed it's an example of like a failed investment where you know some i think it was like the east indian company like or the west indian company like got a loan from a british bank to like set up a english colony in the new world and like how banking sort of like fueled the progress of you know like exploration and innovation so do you think that building

billionaires back in that day, like we're building their own ships to go explore the new world on their own. Like Jeff Bezos is going into outer space. Elon Musk is like, hey, I want to go to Mars. I feel like that's a new thing. Back then, if you were rich, you were probably just comfortable with your brothel and your mead and your rich goose that would be roasted for you every day. You had a pretty good life back then. Didn't really go wanting for much. Yeah. I mean, and also the idea like for example Marco Polo like he went off to find a new

route in Asia and what he ended up actually bringing back that was a huge innovation was that in China in a certain kingdom that I don't remember the name of they would use paper money and they brought that back to Europe and Marco Polo was like why do you guys

use paper money and they're just like simply like you know metal is too heavy to carry around like you should just keep all your precious metals in one place and distribute paper money to represent it and that's like

how paper money got to Europe that's crazy yeah so the the danger of inflation though when you're injecting

more and more money into an economy is that at some point the value of the dollar gets lower to put it in the NFL terms it's like if Jerry Jones

is paying so much money for his players that the value value of the Cowboys decreases. So let's just say in the future, like, if there's no salary cap in the NFL, and Jerry is just spending a shitload of money, they are actually exactly what Dan Snyder was doing when he first got him. He's like, let's get Jeff George, let's get Bruce Smith, let's get all these old players

that I used to love watching, and you spend so much money on the team and you get negative results because you have so much more money going through it and the results aren't as good that the value actually decreases of what you're pumping all. this money into. But then there's, yeah. So, so I, none of us, and this is not a slight to end of y'all, this is just how complicated this is actually, none of us are actually qualified to talk about this with any kind of depth because it's a really deep topic, right?

And so, so I'm just going to mention what I've learned. And me researching this year a while back, actually really let me know. It's like, oh, I don't, I'm way out of my league here. But I was reading this book called The Deficit myth. It's by Stephanie Kelton. Stephanie Kelton was an economic advice. for Bernie Sanders and she's pro like so like when I think it was like $900 billion was given to the recession in 2008 when the housing market crashed it was like a $900, $900 billion

stimulus package she was like advocating like go into trillions like and and conservative economic economists conservative economists I think like Friedman is like one of the most, uh, uh, he's a McDonald's guy respect. Yeah, yeah. It's one of the most, uh, well, what do you know, is he McDonald's? He's the McDonald's theory guy that like, oh, yeah, okay. Yeah, super, super famous, super famous economists. So he's like more conservative, right? She has something called monetary money theory, which combats that and says, if you live in a fiat currency system, you'll never grow broke because we write our own money. And they say, well, that, what you said, they'll say, well, that'll cause inflation, right? And so I was just

reading this excerpt in her book. And there was actually argued on the congressional floor where one of the people at the Federal Reserve, I think, was brought to Congress, because the Federal Reserve sets the interest rates, right? That sets the interest rates for bank lending, right? And so when quick crash course, when the economy collapses and they're wearing what they call a recession, And the Federal Reserve drops the interest rates to like zero, right? So that banks can lend at zero interest rate that will encourage people to get loans from banks so that it'll stimulate the economy. It moves money around. So when it happened, I think, in 2008, they dropped it to zero.

And they didn't bring it back up, I think, until like 2012, right? and they were they were actually on the congressional floor and they were saying was there any evidence of any inflation during that year and they said no and so they basically just kind of teeter with it right they kind of just teeter with it based on it on the theory that they have but there was no evidence that that inflation actually grew in that in that amount of time so they actually it's like an ongoing debate with economists like does that inflation actually happen does it not um there's people would argue on both sides. I'm nowhere near versed enough on her. I just know I came across Stephanie Kelton. I read her book. I contacted her. We had some small talks about it. I recommend everybody reading the book because it does put it a little bit more in perspective from her. And she breaks it down brilliantly in her book. And I haven't read it for about six months. So I totally forgot all the nuances in it. But it's a really good book and talks exactly about this and the relationship between the Fed, the banks, and credit and all of that stuff. And she breaks it down to a really

very simplistic way to look at it. Well, basically when they stop the gold standard of the dollar so that the dollar was not actually, you know, pinned to a certain amount of gold, like how much is in the Federal Reserve, it gave them a lot more flexibility and where they were able to control the market more because it wasn't pinned to gold from what I understand so that they could fuck around with these rates a little more to get to control where it's going. but the thing is when they like the thing about inflation is it makes it easier pay off debt so for example if i owe pfd three dollars and it's three dollars can has a certain amount of purchase power like i can buy you know a coffee but then uh in a couple years because of uh financial policy that three dollars can only buy me half a coffee but i'm making more money because of inflation by I still only owe PFT $3, which is now worth less, assuming he doesn't charge too much interest.

Yeah. If you want to watch a good documentary, it's adjacent to what we're talking about. I recommend Panic, the untold story of the 2008 financial crisis. It's a Vice Special Report that was on HBO. Awesome movie. And it gets into some of this stuff in a way that makes it, you know, it's like the big short is pretty easy to digest.

jest. I'd say something similar about this. Obviously, this is a documentary, not like a narrative story like the big short was, but it's based around the same principle, same causes and how the government, like, tried to fix everything and how it's actually scary how close we came. And that's the entire story is about debt and credit. And it's crazy how close we came to like utter collapse of our financial system like very close maybe 24 hours 36 hours a weekend we were that close to banks not having cash to ATMs not having cash to people not being able to take out a loan or be able to get money um so it was almost like utter fucking chaos back in 2008 it's very hard to explain but part of that had to do with the average household and individual having more so much debt be it

credit card debt, uh, having a mortgage on multiple properties. But, you know, all this money stuff is so actually hype like, uh, abstract and out there because like you think that money is something like physical and solid and like the value of something is just a little more concrete when it really isn't at all. Which is like something that just blows your mind when you like really look into it. It's, it's extremely big. brittle like we're all like very secure in something that's extremely like brittle like we as soon as we all like this is what we were talking about when we had buddy on it was talking about cryptocurrency right which is like as soon as we all agree that the dollar is not worth what it is anymore we have to

move on to something else but like right now we just all agree on it and it's just like all of our collective agreeance that says yeah this is this is how we rock this is how we rock it which is fucking scary this is wild yeah it's and and credit is essentially just based around the idea that shit's going to be better tomorrow than it is today everybody that spends on credit that's kind of what they're doing it's like oh yeah i can i can use this because you know what i'll be good like give me a week once at what does kid cuddy say i'll be fine once i make it i'll be good when i get it uh i think it's the first time that i think i've ever recited a kid cuddy lyric in my life. It probably showed. But yeah, credit is just straight up about the idea, like optimism.

Like, no, you know what? I might not be able to afford this right now. But things will work out. I'm sure they will. Just give me, yeah, tell you what, give me that payday loan. And in two weeks, even though I still have the same job that I've had for the last two years, somehow I'll have enough money to pay all this shit off that I'm loaning from you guys right now. And don't give me start on payday lenders because I honestly think that they should be murdered. I think a The people that started the payday loan situation in America, like they have done more evil to some of the poorest people in America than almost anybody.

It's absolutely fucking criminal what they did to like small towns in America and just took advantage of people that didn't have money. It's disgusting. Yeah. Predatory loans are still thriving and it's disgusting. But I think this American economy in general, is predatory towards poor people as a whole. And I think that's why one of the most important things

for people in poor neighborhoods is to have financial literacy. Because once you understand the basis of it, you understand how predatory these people are and how much bullshit consumerism in general as a whole is. Like you don't, like, I mean, think about it. dog like for whatever stupid fucking reason like when you get married it's it's it's it's standard practice in our culture that you have to spend one third of your salary on a diamond ring like

love is is is is is equated with diamonds status is created with diamonds and gold all of this dumb ass shit and it's just consumerism and that's what and that's what is is is crippling poor people like poor people spend more money than rich people that's just wow a little life hack if you're thinking about getting married. Don't ask your fiance or ask your, your boyfriend or girlfriend. Actually, no, this is more advice to the fellas. If you're thinking about getting married,

just have a nice little romantic movie night with your girlfriend. Pop on Blood Diamond and then watch that. And then at the end be like, oh, that really gave us a lot to think about when it comes to like the whole materialistic nature of purchasing diamonds where they come from. And then she'll be like, you know what? I don't need a diamond. Like maybe my birth story.

or something like that. You're like, good idea. Good idea, honey. And then pop on about the middle, middle part of this, this episode of this podcast. And talk about how marriage originally was constructed so that the woman was viewed as property, right?

And in a barter with land and men. So it's really demeaning for women to get married if you really break it down. Really? And then if you try to break up, then you're going to have her dad coming to collect his share of the hotel that you helped to build. Sorry, I've just been watching.

But what happens? What happens? Modern marriage is like how, how players have taken control of the NBA. Like the teams used to be the dads exchanging chattel, but now the women are out here on their own negotiating for how big of a rock. That's exactly. Making super teams and shit.

What happens? They'll break up with you if the guy down the street moves in. He's got a nicer car. In my day, there was loyalty. What happened? happens after if you watch blood diamonds on you a little bit what happens if after you watch blood diamond

she just turns to you in a Rhodesian accent goes where is the diamond I need a new wife where is the diamond uh yeah all right so don't get married actually get married marriage is cool if you want to get married get married

it's just a it's just a contractual agreement that like so this is the one thing I agree with libertarians about right libertarians are anti like keep the state out of my out of my private life there is no reason that the state of new hampshire or wherever the fuck you live should be involved in your agreement

with the person that you love there are some tax benefits there are something but that is like I said it's all contractually agreed upon and you can start all that shit out with any NDA so it's like this I don't see the point unless the only I will concede if you're religious and you believe that Jesus is waiting on you in the afterlife, more power to you. There's nothing I can say to convince you that that's not a holy union

with the three of y'all, you, your spouse, and the Lord. So that, I can't, I can't box with God. So, like, if that's the reason why I're doing it, it makes sense to me. I mean, don't make sense, but it makes sense to me. If you tell God, hey, God, I need a quick 30. Shoot me a 30, my big gym. Yeah, no, I agree with you.

Like, if you're in love with somebody, you want to spend the rest of your life with them, are you going to be like, hey, all right, let me go check with the mayor real quick, see if he's cool with that. There's no, like, place for government in that, except, you know, if you want to, like, leave money to somebody or insurance benefits if you die and they get to collect that. I guess that has military benefits. You can write that all that up in your will. You can write all that up in your will.

Yeah. So, yeah, you can do that from a legal aspect. I agree. I don't think that the state really needs to be involved. I honestly think marriage is going to go away within the next, like, I don't say go away, but it's going to be like in the 10, 20 percent out, like in the next 50 years. Because like already, already like, like, what are I think? I'm a millennial.

So below me is what, Gen X? Gen Z. Gen Z. Gen Z. So, like, they're already like bucking monogamy, bucking marriage because they just don't see the point. Like it was just like tradition. Like my mother, for example, right?

She was born in 59, right? She was, she married, she divorced my father, but she married this other dude who's a PhD geneticist, super dope dude, put me in on a lot of science shit that I'm in love with. But he was like, for the same reasons, he's like, it's so illogical for me to get married. There's no point to me getting married. And I used to ask my mom, like, why do you want to get married? Like, what's the point? She was like, I just don't want to be a 50-year-old girlfriend. I'm like, but if y'all are still together, he's committed to you.

Like, what is the point? She's like, I want to be a wife. And I'm like, you know, that's residual, like, misogyny. And, like, it just, it's just roll over misogyny. You, there's no other, she couldn't give me a reason other than I want to be a wife. Did you? And like, did you mansplain misogyny to your mom? I did.

I definitely did. I absolutely did. But she agreed, though. She was like, you're not wrong because, like, it's just something that I have to feel. But it's like, that shit's going away with this younger generation and my generation as well, but the younger generation more so. It's like, they're like, fuck. For what?

Like, what's the point? There's no, there's no prestige. Like, when you walk in, like, saying this is my girl or saying this is my wife. It's pretty much the same nowadays. So it's like, there's one reason I'm kind of like down with holidays and like milestone events. It's just like you kind of do at some point like need a reason to celebrate. Yeah. I agree with that.

Yeah. Celebrating commitment to each other. Like looking forward to something. That's why as an atheist, I'm probably the biggest fucking Christmas celebrator there is, but I love it. I mean, I'm down with that. But, like, for example, like, Thanksgiving is, like, one of my favorite holidays. I bet it is, you racist, pricks. Oh, fuck.

I'm not just playing with my player. I just, I'm like, what I really like about it is I like, like, oh, it's like family cooking and everyone's just vibing around. Like, it's just a lot of good memories around Thanksgiving. But, yeah, but I also agree that, I mean, I also think that, like, it's, like, for a wedding. Like, we don't have to get married by the state of whatever. Right. We could just gather all of it like, yo, we're celebrating life together and this is our get together.

I will go to that shit way before I'll go to where. I started boycott and weddings with my boys. I just start a boy because I'm like, money, I'm not going to your wedding. I just don't want to be the nigger 30 years ago, but I told you, Finn. No, Arian. I hope it works out. I hope it works out. Don't get me wrong.

I don't want to sound like a bitter. I hope you guys stay in love with your ribs. Aryan hates dogs and love. You can put it on the board. I do think. No, sorry. Go ahead, Collie. Well, I was going to say, I do think us doing an episode on the De Beers and, like, diamonds in general and, like, how that all came about.

Probably, it might not be big enough for a full episode, but there's something there for sure. Mm-hmm. I was going to say, as the only woman in this room, I will say that, like, growing up, weddings are kind of, like, ingrained in how, like, you know, you're always, like, when you grow up, you're like, oh, like, thinking about your wedding day. I've never been like that. I want to get married, like, still, like, that. still ingrained in me, but I've never been the type where it's like, oh, I know, like, girls will literally be like, I have my whole entire wedding planned out already. And it's like, that is not. That's weird. Yeah. I don't, I don't get how people think like that. Like,

where they're like, but you've definitely thought about yourself in a wedding dress before. Yeah, but like there are girls, like some of my best friends know exactly what kind of wedding dress they want. They know where they want to get married. They know what age range they want to get married in. Like, see, that's, that's so weird about that to me, you know so weird about that to me is like so they're when they court right when they're courting yeah like that's their they're like is he protect can has can he stand at the altar with me like dudes don't really necessarily think like that for the most part i don't i've never once started dating women like can i stand at the altar oh it's like that's almost predatory it's almost predatory no now that i'm like out of

college people will do that like in college it was like kind of different but like i mean now people will be like oh like date date to marry it's like dude i'm 22 like yeah a lot of people date to have um there the the pinnacle of their life is like the party that they're going to have on the day where they get married like i think that that's a pretty unhealthy way to look at a long-term relationship because by definition you're saying it's going to be over right after it starts like it's all downhill from our peak which is our first day of getting married together yeah that's like a very cynical way of looking at it. It's just a fun day. There is the point

though with marriage, not the religious or state aspect that growing up in a household with two loving parents that demonstrate a healthy relationship is like very beneficial for kids growing up. I think we're all, we're on agreement

that love is good. But there's a spin zone if you guys are fighting all the time in front of your kids like it could also fuck them up. But you can be married and fight in front of your kids all the time and you can be not married and in just like a partnership and the most loving parents ever. I think my point is that you don't have to be married

to have a loving relationship. Right. Yeah. I mean, there's no, it's not contingent. I think the only reason. So I, like I said, I still want to be married and I still want to, like I also am a self-proclaimed narcissist and I want to have a whole day that, like, dedicated me. But like, I think now a day's you can live a full life with someone else and not be like government mandated married i think the only reason that you would have to have to be married nowadays is if you were well and now people i know

are getting married and that stresses me that are my age like imagine bill you're i being married right now like that's insane but yeah 20 like like like 50 years ago well 50 years ago if i was 22 and not married people would be like well you the thing is like you my grandma got married at 9 what you might be dead by 29 right exactly that's also the same like yeah like my grandparents got married when they were 20 i think that was a threat really what that sounded like a threat what you might be dead when you're 29 well that's why marriage was so early yeah it's because they were just sort of life like it was also like the only people you knew grew up in a mile radius from where you were born yeah right there weren't as many people to meet you kind of had a good idea of like who you wanted to

be with that's great yeah there's there's there's this thing i was i was reading where uh like like overseas like the way they even view monogamy is not how we view it like so they don't like relationship wise they don't even monogamy is not as big a thing uh as as we think it is and i actually i actually think monogamy is unnatural all right they say we're getting into this is powerful divorced energy coming from arian for the last like 20 minutes no no no i should have i should i should i should i should have preface to it i want a fully committed relationship i don't want to get married. But I just, I just think it's something you have to fight, right? So that's why I feel like it's an unnatural thing. It's like, you have to fight it. Like you have to,

you have to, you have to think about it. You have to fight it. And you have to work towards a healthy, loving relationship. And that takes work. It's, it sacrifices, discipline, right? But you're fighting your natural urge to want to procreate. Right. The good news is if you get married to somebody with a shitty credit score and you've got a good credit score, it doesn't affect your credit. As long as you don't, but then she's going to be like, hey, can he co-sign on this loan for me, and then it's going to be okay all right and then guess what now your credit's a little bit fucked up so yeah yeah the ultimate finesse I also think that the only reason that like and again if you're married and you're 22 and you're listening to this please DM us and tell me why but

I also think that a big reason that people my age get married big tea you can insert your opinion on this is because they're extremely religious and want to have sex and they have to wait to marriage That does happen occasionally I think it happens A lot So horny You're just like Fuck and let's get hitched

Yeah Like pretty much like They're like well Like Might as well get married That's like a chicken In the egg scenario Because it's like people who

The statistics is like People who wait for marriage To have sex End up having longer monogamous Relations Like longer marriages And like Like quote unquote

Happier marriages If that's true Is it chicken or the egg scenario but like there's a bunch of studies about like all that type of stuff but then i've also seen a lot where it's like we waited to have sex until marriage and i absolutely hate sex yeah i'm sure take that as an out of context drop to play again in the future ever i hate sex yeah that would be that would suck if you're like i can't wait to start like let's get to fucking and you're like wait the dick goes in here no thank you that's gross like i just i just

think about like my first experience right and i was like practice safe sex do what you got to do my first experience bro i was in and out of there in like seven to 10 seconds i had no idea and so like can you imagine like this build up for the woman like for her entire life and then like seven seconds later it's like damn that was it yeah spin zone How did you just learn this term? No. It's been like eight times on this. I know.

Birth control has become so effective and everyone is not getting married and not really participating in monogamous relationships. The only people who end up having children are people who still like marriage and marriage just keeps on going. And that's why it's been happening. Because they, people grow up in married households. Huh. I guess so.

I mean, maybe you learn everything from somebody. Yeah. Nature versus nurture. All right. Well, I feel like we've talked about credit. I feel like we've talked about a lot of other stuff. Do we have any, we have any voicemails? Yeah, we do this voice.

Oh, breaking, breaking news. Alex Jones is trending on Twitter right now. Yeah. Hell yeah. Because he's, because he's roasting former President Trump. He already for the vaccine stuff. So like we were originally reported on macrodosing. Donald Trump is now deep state and no longer MAGA.

Donald Trump is anti-Trump. Alex Jones went off on Trump when he bombed Syria. Yeah. That's when he was like, we thought you were different. Yeah. He said maybe Trump's actually a dumbass. That's what Alex Jones said. Hate it when mom and dad fight.

All right. Hey, him mom and dad. Yo, seriously, that would be a dope-ass shirt if, like, we all just had, like, a quotable that we picked from everybody and put it on a shirt. Everybody has like a dope quote. That would be fun. Are you want to do voicemails? Yeah, let's do it.

The listener of voicemails are brought to you by our great friends over at NHTSA, N-H-T-S-A, NHTSA. Guess what time of year it is? It's time to remind you guys that if you drive sober, you won't get pulled over. You have two options.

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there's no excuse to be driving drunk be safe drive sober or get pulled over for more information visit trafty safety marketing dot gov slash get materials check it out drive sober and get pulled over now listener voicemails all right here we go hey guys it's brant from uh texas i had a two-part question. So first off, I wanted to know if it could maybe get things set up with Billy and Big T to just absolutely fight it out on show. I'd love to see that unfold on YouTube. And the second question is, if the U.S. government

collapse, what country moved to and why? Thank you all so much. Love the show. Okay, two good questions. As for the first part of it, I think, like, get a slapbox off between Billy and Big T. I won't legitimize Billy by fighting him. Wow. That was fighting words off. I won't give him the satisfaction.

I was feeling bad for, I was feeling bad for making fun of Big T earlier. I'd like to actually apologize. I'm sorry. I, it was too late. It was too late. Now, Big T, I felt like that was a genuine apology from Billy. The first ones were bullshit. And I was just Billy trying to get out of trouble.

But see, now there's no way to tell. I know. I've been drinking green tea all day. I was a little amped. I went after Quigs. I actually would like to apologize to everyone. Yeah. Apologize to the listeners.

I like to apologize to you guys, the macrodosians. Okay. All right. Oh, wait. I think Big T just accepted on behalf of the macrodosians. Well, I appreciate that he would apologize to them. Okay. I'm apologizing to you.

I know. This works. I know. I accept your apology. All right. An apology is a form of debt. Building bridges. But in the future, yeah, we'll have to get them to slapbox.

I think that would be fine. At some point. At some point. Oh, you think? Yeah, I would 100% slap to shit out of you. Okay. It's a two-way street, brother. Yep.

That's the idea. No, I actually, like, I slapbox, like, a lot. Billy's a professional slapbox. No, like, seriously, like, football camps when you had your own, like, little dorm room, and everyone would just be like... Big T will beat the... dog shit out of you, Billy. Okay.

He's bigger than you, Billy. Billy only respects people that, like, there's nothing more that Billy respects than just mass in general. He thinks that if somebody's bigger, dude, honestly. Big T is taller than you. I will promise you more than you.

I will promise you this. Yep. I would. No, it would be the hardest I've ever slapped anything in my life. No, I'm seriously, like slap boxing,

like is something I've done. a lot. I have like videos on my phone of me like slapboxing like oh let's see it. You got videos on your phone. Okay, what we might have to do is you know that on my phone. You know the Russian sport where they just like stand across from each other and they just

take turns slapping each other? That's what we'll have to do. Unfortunately all my like locker room slap boxes like everyone had cell phones. So like there's plenty of slapboxing videos. I don't think there's one record I've lost. Okay. Well can I see it? I'm going to find Are you telling me you undefeated this

I am actually, I am undefeated in slapboxing. Mike taught us someone who claims they've never lost a fight. Well, no, I've lost fights. You were probably fighting like the kickers and the punters. No, I wasn't. No, he's saying he's Mayweather of the slapbox. I'm pretty good. Okay.

Like that is one of those things where it's like. I said we have a big fucking macrodosing pot, you know what I mean? And we just put it in. Whoever wins takes the pot, I'm putting my head in Big Tilly, a big, a big T's corner. T. Why, you're my guy. So, while Billy's

looking up the slap boxing footage. I don't know why. I like literally the other question have boxed. All right.

I don't know why. Billy, you're supposed to like, like, like, I don't like,

there you go. Anyway, keep searching. A beat Jose can saco. And I got a slapbox. So what, what country would you move to? I think I would go to Ecuador.

I'd go deeper in the country. Okay. So you'd become more American. Yeah. Okay. I, if, if,

yeah this land's prime for taking over he would make up a new country called like extra america yeah no just i mean literally america squared like i don't think this country could ever actually collapse oh boy that's that sounds stupid famous last word no but think about it like like literally no but seriously like this is what would happen it would be exactly like this country this country's young as hell i know but like what infrastructure it would be exactly like how afghanistan

they went all the cities would collapse into turmoil you have all these militia groups come from you know uh rural areas and confederate flag yeah i mean it would literally be like what exactly they'd come and secure the cities it would be terrible what would happen because it would get real bad like collapsed civilization stuff like like probably like stuff you saw in katrina so are you saying it would be like the interaction but just everywhere well it would be slow oh Roll, roll, roll, roll, roll. Stuff you saw in Katrina? Well, that was like the closest thing, like, like.

Are you talking about floods? No, no, I'm saying like breakdown of civil, like, breakdown of like society. When they, there's no like transportation, no electricity. Yeah, I mean, if that's what we're talking like, infrastructure breakdown. Yeah, yeah, that's what I'm saying. Okay, okay, I got it's like the, the United States were to collapse, right? Like, you'd have like, there would definitely be competing. There'd be no city buses running for sure.

Right. But like that's sort of like, you know, like no order, no law and order. That would be probably where this hypothetical, we got to talk about this hypothetical question. Like what exactly is going to be great to see CNN journalists like tweeting at the city being like the subway's not running. What's going on? And that's they like, well, I'm fresh out of ideas. Like I can solve this. Yeah.

I took it as like America became like you couldn't live here. at all, not that, like, my flag, and now this is McMahon land. Billy's like, well, actually, I reject the premise of your question. No, but if America were to collapse, there would be no America, new country.

So Billy, just answer the question, like outside of the United States, where would you roll? I can't get the idea of America collapse. Okay. Because that would mean that literally the whole world would collapse. Billy would start another America. What a fucking bro. What a bro. No, is that a I can't...

No, but if the U.S. like, we just talked about this, the U.S. dollars backed by the U.S. government and it's, like, only has value. Billy, the U.S. Man, it's a hypothetical. Okay, I'm sorry.

Fuck. The dude was to just know what Tropic Island would you sip on. That's all he's asking. You over here fucking... No, no, man. If you think about the flag waving and fire back,

I just can't... I can't even imagine, like, no bald eagles. I don't want to... I would kill myself because America's just... No, it's not bad. It's just like...

Going down, I'm the last guy on the Titanic. There probably wouldn't be anywhere else. He's playing the fucking fiddle on the Titanic. No, but it's like, if America goes down, the rest of the, like, there isn't another option. Anyway, bro, I'm going to bore a bore. I don't know if that's a...

Is that a country's? I have no clue, but that's in my mind, that's what I'm going to bore, bore. For me, the easiest to get to, like, if it was something like it, to be fast, I could get to Canada within like three hours, but that seems pretty boring. Yeah, I was going to say Canada, but that's boring. Canada might be a buy low situation, though, because with climate change, Toronto is going to be

like the next Miami, like Newfoundland is going to be a paradise. Buffalo, New York might be the, like, most, like beautiful climate in the world. San Diego. Yeah. So, yeah, I could see Canada. But I think probably not. Netherlands. I like it over there. I'd say Ireland, maybe. Yeah, Ireland's nice. Netherlands. Netherlands, okay. Netherlands is actually a lot of fun, but just too many bicycles everywhere.

It's dangerous, man. It's too many bicycles because there are no hills. It's all flat, which I very much appreciate. It's dangerous just trying to walk across the street. You don't know which direction you're looking. If I spent a week over in Netherlands, I'm sure I would get smoked by one bike, at least. Oh, yeah. Like, what country is the least, like, I wouldn't want to go to, like, Russia?

shell like i want to go to one of our enemies but like what country would be like the least reliable on american products so like would get least affected by the united states breaking down that's how i'm looking at it canada will get so many refugees well yeah that's what i'm saying it's like well like canada china china probably yeah yeah but i would also like i i hate to pull this card but i would also like to go to somewhere that speaks english yeah i mean that makes sense it but What about Italy? Italy speaks Italian. And I also feel like, oh, fuck.

Yeah. But I also feel like a lot of Italian speaking. I just thought that, like, in Italy, maybe they'd all just have the accent. You're like, hey, what the deal is your own? So it turns out the fuckers actually speaking in the line. America, they eat their pizza. I'm just a little pervert. No.

And your tweet about that shit had me, I literally laughed out loud. He was like, hey, what did you say? I'm groping over here. I'm groping over here. I'm groping here. Fucking Cuomo. God damn. That's all around late Cuomo.

Yeah. Northern Italy. It's real way. Real what? Yeah, I think China would probably be a good place to go. I want to set one thing straight about China. I have no quarrel with the Chinese people at all. When you hear me talking about like the president, President Xi, that's that's another thing entirely.

I'm actually, I love the Chinese people. I don't like their girl. I think that they deserve better than President Xi over there. I also think that Tibet should be free. And that's something that we took our eye off the ball with Tibet. We had concerts for him. Rage Against the Machine was talking about free Tibet. Brad Pitt was acting in Tibet movies, you know, all in like the late 90s.

And then people just stopped talking about Tibet. Can we get Tibet? Can we get Tibet to be free already? What the fuck? Free Brittany and Free Tibet. Yes. Tibet first. Tibet first didn't white woman

Tibet first Brittany's like kind of on her way To being free So she's like Hold on before before I joke it went down What is I don't have no idea What happened with British spirit They say free bro is she actually captive

Ariane She is in the short end of the fucking stick Right now She was in a conservatorship With her father You know what I was telling Donnie this over the weekend What is that?

Pup punk should do a song You know that song She by Green Day We should do a cover except it's all about President Xi from China and just like just gas them up it should be very pro-she song just that we can maybe get like some of that sweet propaganda money from the Chinese government get some of that LeBron James money flowing in everybody's happy at that point to file that one away yeah free Tibet oh that's not how you're going to get that money no yeah don't listen to this podcast Mr. Shee but yeah my

I took Ecuador just because I love the Galapagos Islands, and you also have the rainforest there. It's a very... Oh, we talked about you on the last episode. Because of we... For some reason, evolution came up. I don't know why, but that's where Darwin really had the epiphany, the aha moment of like, oh, shit, shit evolves.

Yeah. It's one of the coolest places on the planet, and the rainforest is cool. He's protected by mountains, too, so I feel like it's relatively secure. Were you talking to stone dap theory? yeah yeah we we mentioned that or well you'd kind of be fucked in the galapagos why because they literally import everything to isolated island they don't import everything though they've got

stuff on the island they can it's got some of the best fishing in the world it's got savich but you couldn't be self-sufficient why why can't i eat fish why can't i eat grouper all day long why can't i eat red fish with with with american society collapsed uh and imports shut down how are you going to going to be self-sufficient. Me? Well, if you go inland and work as the pioneers, what does that mean?

Are you going to like Kansas? He's just going to go deep. Billy's going to go bow hunting all day, I think. Kansas is like the center of America. Yeah, no, not Kansas. How are you going to be? Are you going to that place you went to? That was like the farthest from a McDonald's?

No, Billy's going to get smoked by a tornado. Do you have like a bunker somewhere you don't want to give away the location? Where would you go, bro? Hey, man. My bunker. is my bunker. Okay. You know what?

One of those tortoises, the giant tortoises that they have in the Galapagos, I just flip one of those on its back and guess what? That's meat for probably a year. Those things are heavy as shit. They're like 500 pounds. Well, that's what Captain Cook and Darwin did and almost ate them all to extinction. Yeah. Because they were probably tasty as fuck.

Or they just had nothing else to eat. All right. Next voicemail. so up everyone love the podcast this is alex from san diego and my question is if at the end of your life you got to see one life statistic like total distance walk beers drank wings eating anything what would each of yours be love the pot keep it up that's a great question that is a good got to be chick-fly sandwiches that would it's got to be i would want to see that for you I would be curious

Aryans would be the amount of sandwiches that big tea is eaten in his life I think mine would be alcohol consumed yeah I think mine would be mine would be people

that that have smiled to something that I've created you just got deep as mock right now it's a legit question that's so cute I've smiled by your creations i've smiled by your creations too arian i think that'd be cool like to see just

if you could try to quantify happiness spread during this during this brief fleeting moment that we have on earth i think you know what i'm taking my taking my back i'm still me yours okay yeah i love it's a good one it's a good one either that or the amount of blow jobs i've had so i don't know i was going to say amount of times i've used the toilet yeah love to see that's that like number one number two both combined stats yeah so i think it's like it's like we spend like seven years of our life on the average in in a bathroom somehow somewhere that's insane you think about that's not true there's no chance that's true look i'd look it up i could no i make seven years in a bathroom think about showers shits pee whatever else you do in a makeup all this thing but that would be like

so let's say you look 70 years that's 10% so that's two and a half hours a day yeah that's not right no no no but think about how long you are. Think about how long you're in a bathroom in a day. Okay, I'm thinking right now. I'll take one shit. 20 minutes. 20 minutes tops, usually.

Oh, I was saying 20 minutes total. Oh, no, like I've taken, because I'll, do you shower? Yeah, that's 15 of it. Showering, shitting, pissing. Wait, how much. Think about the quick pisses. How fast do you shit? I will say in, in relation to, like, when I'm on PlayStation with my friends and

like, I'm going to go shit. It takes so much longer than it takes me to shit. So I think I shit pretty quickly. Okay, give me an estimate. I'm three minutes. Three minutes in and out to shit? Yeah. You must not wipe very long.

No, I wipe exceptionally well. That's herbivore mentality. That's my shirt. That's shit before predators get you. That's our cap of the day right there from Aaron. I promise all time it next time. I agree. I don't think you're in and you're out in three minutes.

Yes. So are you like out of breath? Is this like a cardio exercise? I'll time it. Including the wipe and all that? The next shit I take from the moment I step in the bathroom, the moment I step out, I will time it. All right.

Maybe you're a very efficient shitter. I don't know. I mean, what are, like I'm not dicking around on my phone or anything. Why not? I am. What do you mean? Yeah. That's a lot of the peaceful parts of my day. I don't want to, yeah, I have no reason to be in there any longer than necessary.

So like, I'll tell you, that's, that's serial killer vibes to me right there, big tea. You just go. in the bathroom and just stare at the wall. Just straight ahead. Yeah. That's us. Big T. People have been like reading newspapers.

If I have my phone on me, I will maybe I'll look at it, but like I'm not spending any additional time in there otherwise. I think maybe you need to start. I think maybe it would relax you a little bit. It's so calming. Yeah. Yeah. It's a perfect time to meditate.

My, my legs are numb after 90% of it. of shits I take from how long I sat there. That's how you know it was a good good exercise. Speaking of which it's not a promo but I recommend for everybody Billy you'd like this but the squatty potty the squatty potty is amazing because we were not the way

toilets are designed we're not actually designed to shit like that the way our intestines and all that is set up we were actually made to like squat down on the ground and so the the toilets that we sit on it is actually restricting the Fecal matter for coming out, but the Squatty party lifts your knees up and puts you in that

position where it's more natural for your body to excrete feces. In a lot of countries, they don't actually have seats. They just have the bathrooms on the floor. Not only the Squatty potty. You got to have a bidet too. You got to have the one-two combo. I'm not on a board. How is that sucks?

Come on, man. I didn't say it was suss. No, no, Billy did. Oh, Billy said it was suss. You'll say it's suss until you try it. No, I'm joking. By the way, instead of saying suss, the new thing is you say pause instead. That's not new.

That's actually the old thing. I just learned from Benny the butcher in his. That doesn't surprise me. Pause. Pause was probably like 2000s. That was pre-sus? Maybe even before. Yeah, that was big.

That was big Cameron bringing that to the world. Literature. Linguistics. Damn. I like Cameron, too. I feel ashamed that I didn't know that. because Big Cat would be like he'd step up to the mic and he'd be like

it makes my dick hard as one of his lyrics and then everybody in the engineering room would be like pause pause all right just pretend like just pretend like it's brand new again all right just for me

yeah bring it back I'm bringing back pause honestly no we should anyone else have anything to add it's a little homophobic and also I've been around it never left by the way

okay never left and it's homophobic yeah like disavowed pause i i say like ironically because that's what people say to bidetes but like i mean no offense to anybody got you i don't i think that we're on the record as being a very inclusive podcast but we actually probably make fun of straight people more than yeah more than anything uh be fair they're way easier target yes oh yeah so is that a bidet joke no i feel like that's probably why i haven't used one. I feel like my aim would be terrible. Yep. Yeah, mine too. All right, so wait, do we have another one?

Was there, what was a question on that one? What you'd want to know? Yeah, Billy, did you have your stat? That I want to put up? How much? Slap fights won. How much, slap fights one? How much total weight have I lifted? No, I don't know. Something cool. You can get really specific.

You can be like, how many total points have I gained at David Busters. How much do my frogs love me back? How much like people like the impact they have on people's lives. Oh, fuck off Billy. He just said that. He's stealing mine.

No, like. But he didn't say it. You got to give them the credit if you're going to take it. He just said that. I think like the amount, what about the amount of force that you exerted on Jose Canseco's head? Yeah. So you can prove to people like, look, I landed a couple shots on them. I did. Yeah, you did. If that's why I'm saying

If you had that stat I don't know This is a weird stat Yeah The chillest ever The chillest ever The chill Like to be as chill as you can

Try to quantify chillness Yeah Like when is the chillest You ever were in your lifetime Yeah Are you talking about cumulative chillness Accumulist How chill was this bro

I don't know All right When I was young I thought I thought like when you die God would like review your life like game film like he set you down and be like okay well what was you thinking right here

that'd be cool yeah he's got like a laser pointer yeah on the film uh Avery and uh mad dog what do you guys say oh I said time spent on the toilet oh yeah that's a good one yep I mean kind of going off of yours I would like how many times I made people laugh I think oh or like if we're being like more quantifiable or whatever but um I would want to know how much time total I spent in the bathroom because I do this I did this thing in my childhood home where like this was when I was in like high school like this is really weird but I would come home from gymnastics practice and I would lay on my bathroom floor don't tell me how gross it is I know I would lay on my bathroom floor for like an hour and just stare at my

phone just contemplate things um like three times a week so I'd really want to know how much like overall time I spent compared to the average like how much compared to like speedy big tea over here that like I take my I take my sweet I if like if I'm in my apartment I'll just spend 10 minutes like peeing because I'll just be on my phone this answer right here is like the very definition of how old 22 yeah you're definitely 22 years old that like that's your life has basically been like college was sick and then when I was little I used to I used to to get really tired after a gymnastics practice. But it's my, like, it's my favorite thing is to just,

I can't do it in my apartment now because my bathroom's too small. But, like, I would even do it in my college apartment. Like, I would just lay on the bathroom floor. And my poor parents, my third water bill was probably really high because I would leave the water on too. You'll figure out, you'll figure out something that you're more interested in knowing as you get older. You just don't have a life experience. No, I don't.

Have you ever taken a long piss and you're like, man, like that could have been a record? I feel like I'd want to know. I'd want to know, like, my longest piss. Actually, I would want to know, I would want to piss the farthest. That was always fun. See how far your longest pee was? Yeah. Yeah, I'd probably shock you.

You probably had like a 10-foot piss. That is what I want to know. I swear to God, I've had a fart that lasted over a minute. Swear to God. Well, I think it was over a minute because I started counting after about 10 seconds. I was sitting down on the toilet. It was after an airplane ride. And so, you know, you get, like, bloated.

get the gas trapped. I started farting after 10 seconds. I was like, this is remarkable. And I feel like I'm not even close to being done. So then I started timing it with my phone. And I got up to 50 seconds on my phone before I was fully done letting the fart out. And I'm sure that there were 10 seconds leading up to it. Solid. No brakes. One clean fart. Say it, Aryan. Big cat. There we go. Dangus Khan has crazy stats. Individual. Yeah, he does. he was an accumulator though like in the modern era does that translate dude i think that was like 90s basketball yeah so back when was that that was like the average the average relation to 3% of the population in back then like that's when you didn't even know that many people

how many people do you think he actually killed versus his army actually let me let's get this right because the gangis kong stats are crazy That'd be a fun episode, too. Yeah. I mean, he got canceled last year. I don't know if people remember that. Oh. Why?

Posthumously canceled. Why? I blogged it because it was so preposterous. I can't remember what it was that. This is one of those times. But yeah. We can't judge historical figures by today's standards. Bullshit.

I'm joking, man. I don't need today's standard. Judge G. G.K. No, imagine someone being, like, like GK, we can't judge historical tyrants by today's stance. She just doesn't work.

Everybody was like the hand-checking error. We can apply that logic to today. All right. We got another voicemail? Yeah, let's do one more. Crank that. All right.

Hey, guys, it's Mitchell here from Florida. Just wanted to ask you a quick question. I think Billy might be the most suited to answer this one. But I want to know what you guys think would win in a one-on-one battle. A Nile crocodile weighing in at 1,000 pounds, 14 feet, or a great white shark at 900 pounds, 12 feet. Let me know what you guys think.

It's been a question. I've never been able to answer my life. I think you guys can provide some pretty good feedback. I actually have a lot to say about this. Okay. A Nile crocodile is not... There's actually examples in Australia where saltwater crocodiles, which are actually larger than Nile Crocodiles

actually do come into contact with Great White Sharks. So the thing is with this is it would probably be happening deep water because that would be the only place, you know, let's say a saltwater crock got swept out to sea or Nile Crock. I mean, I'm going to actually have to give this to the Great White Shark Because, even though it's smaller, because Great White sharks don't have many places where you can grab on and do a death roll, which is the Crocs, like, prime move. So, like, for example, like, it's a very missile-like shape of the shark. Yeah.

So where are you going to bite the shark to do some real damage? Whereas, you know, Great White takes a huge chunk out of the crocodile. even though the scales are pretty, you know, like durable, I think they'd be able to get a good chunk out of there. But I would think a saltwater crocodile would have a better shot. Nile crocodile definitely would not. Okay. So I actually agree with Billy 100%.

Although I don't think I can explain as eloquently as you did. But like crocodiles, for the most part, they either suffocate or they drown their prey, right? So you can't really drown a shark. You can't, like, drag a shark into water and be like, hey, stop breathing, bitch. Because the shark's like, okay, I was born in the water so I can do this. Yeah, so I'm going to go, I'm going to go great white as well, for sure. Although I did go down a deep, deep rabbit hole in Wikipedia. I suggest that you guys maybe we can do a future episode on man eaters and some of the all-time, like most deadly individual animals of all time.

And one of them is Gustav, the crocodile, I think, from Botswana. You know, Gustav? I think Gustav killed, what, 400 people in his life? There are some crazy animals out there with massive stats. Oh, I'm a huge Gustav, now a crocodile fan. I mean, not a fan of what he did, but just like, like, a mythical, like, gigantic crocodile in the middle, like just... He was real. Like, yeah, he was literally gigantic.

Just like one of those things that you're just Googling on YouTube as a small kid and just being like, what? They say that Gustav, there's a report that he died last year, but that's a lot. unconfirmed he's definitely died um they try to catch him once several times a super crock I'm gonna go with the shark

as well unless we're dealing with the super intelligent crocodile now because can't this could be a myth I don't know enough about sharks but don't they like go paralyzed if they let if they if they uh if they like on their

if they go belly up don't they get paralyzed for a little bit I think they do yeah Or you can put him in a trance-like state. Yeah. So if we have a crock that knows his prey, like you could just do a little deffro into him being belly up. And then it's curtains.

Yeah. But I'm still going with the shark because I don't think crotch would get. But the shark would get like a shark in shallow water would not do well because you'd probably get sort of beached. Yeah. Or, you know, dolphins fuck sharks up like that, don't they? Yeah. they can yeah in a group yeah all right what about you coli i don't know i think it's

uh an un like i don't know i i think i would have to know where the fight was happening in order to because i think that does play a big fact of this i'm long on the record of saying i personally would beat any shark in a fight on land that's just a fact yeah i agree with you brother totally like they get nothing before like they can keep hiding in the ocean as long as they want, thinking they're big tough guys up there. They got nothing for me on the terrain. My home field. Yeah, exactly.

Sharks are a big time home field advantage. They're like the 2002 Sacramento Kings. Like you can't beat them there, but they're very beatable still. So, yeah, I mean, I think if the crock can get the shark closer to land, then I'm going with the crocodile all day. All right. Are we good? Good on voicemails?

Arean, do you want to do Big T's underwear? Oh, yeah. Let me see the fit. I can't even. He's off camera. He'll see the fit first. Oh, he's rocking. He's rocking. I know you like to spruce it up, you know what I'm saying? And match the draws with the fit, man. Big T, you want to just that might mislead you today. Oh, we're dropping hints now.

Yeah, I don't like that. Careful of that microphone there, Big T. My guy, my guy, you walking around with a bat, though. Yeah. It looks like it's a picture day For a little league Definitely not a murder Was Hanning it

Okay I think I think it's black today Nope No We got Avery how did you know I asked them before

Is that the Tennessee Joe? Yeah they're orange Damn My dog My dog got the Tennessee Orange today Okay

You got some special A plan tonight No Anybody's seeing it No all right maybe one of your no one's coming to the bathroom during one of your three minute sprint shits not that I've heard no okay do you do need to time yourself though next time I will all right that does it for this week's macro dosing we'll be back we're going to get Donnie involved in the mix a little bit in the future because apparently he did really well and Donnie's just an interesting guy and fun guy to talk to so he'll be around thank you guys for listening I love you I love you guys very much and Make sure to check out the YouTube. Watch it on YouTube and go to the store, get a Macrodocin T-shirt.

Billy's rocking one from right now. Arian's rocking one right now. Is that the, yeah, those shirts are amazing. I fucking love those. I was going to say merch in October is going to be big. Yeah, sweatshirts and stuff. We're going to have Halloween merch. We're going to do it big.

Okay. I already got some big things in the works. I love it. All right, guys. We'll see you next week. Love you guys. Mm-hmm.