The Basement Yard - #515 - We Became Finance Bros!

Episode Date: August 11, 2025

The national debt is high and we don't know why?! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to the basement. Welcome back to the basement yard. There he is. There you are. Here I am. Where'd you go? I don't know how to. What's that song?

Where's you go? I missed you so. Feels like it's been forever since you've been gone. Is that Fort Minor? You haven't heard that. Let me explain something. Fort minor. Every now and then a phrase or word or sentence comes along that you can, with confidence, say you haven't heard or said in a decade at least.

Fort Minor is that. Fort Minor. Which honestly, not a great band name, but it's a great name for like a house that has a bunch of pedophiles in it. I mean... even go from there. Isn't it? We're a minute in, and that's what you're starting with.

Welcome to Fort Minor. You know what I'm saying? Like, it's like, yeah, put them all in there. Put them in Fort Minor off the coast of somewhere. Well, like, Fort Minor is it a better name than Lincoln Park? Because that was the thing, right? It was like the lead singer of Lincoln Park left and made Fort Minor. Is it?

I believe that was the story. I believe he passed away. I like Lincoln Park. Oh, Chester Bennington? Yeah. I'm pretty sure that's who. I think Fort Miner, can you just cross-references for me? I think cross-mine...

What? Fort Miner was the lead singer, Lincoln Park, and he was just like, I'm going to do something else. And it's just the... It's Lincoln Park, but just a new name. Huh. Were there any, like, big Fort Miner songs? 10% look, 20% skill. 15% contraparated power of will. What is a concentrated power of will?

What is that? I think it's just like, it's so, it's like concentrated, like... Is that just like ambition? Like sour, well, no, because he says ambition. That's true. What is it? What is it again? 10% luck.

20% skill. 15% concentrated power goal. Which is like we were going by tens and now we're at 15. So 10, 20, 50. That's only 45%. Yeah. 10% 20% so what's the other 55%? 5% pleasure.

50% plain pain and another percent reason to remember your name? And 100% reason. And another percent. I can't talk today. And a one more percent reason to remember my name. Another little percent reason, remember my name. Yeah. I can't talk today.

So, all right, let's break this down. It's mostly pain that he's going through. It's only 5% pleasure. So you only get a little bit of pleasure. 50% pain. Yeah. That's, yeah, that's all. I mean, there's more, there's more ambition.

There's more ambition than pleasure. All right, so, so one more time. Right, there's only four things. I mean, I'm trying to remember. 10% luck. 20% skill. 20% skill. 15.

percent concentrated power will bro you know how intense because like it's like in a vile willpower is a very intense thing yeah concentrated that's like you have to dilute it with water in order to make this person like a livable functional human being

no concentrate is the opposite of that it's not diluted I'm saying but in order to make it so it's not dangerous you need to dilute it well that's why it's only 15 because like concentrate but well concentrated power of will that's like saying it's still power of will yeah but concentrated to a degree that it's only 15% of the concoction yeah you that's diluted maybe yeah so maybe maybe the remainder of the percentages will you know dilute it to a place of

making it safe listen 50% pain that feels like we're doing something wrong what is all right so 10% luck how 15% skill 20% skill 15% concentrated power of will 5% 5% pleasure 50% pain and 100% reason to remember the name. Correct. That's the full concoction that we're going on. Does that add up to 100? Yeah. Are we sure about that?

Yeah. You added it up, Ant? You have a pen out? Always ready. Okay. So you've added it up and it is 100. It's 100 exactly. Do we know anyone that fits that?

I mean, 50% pain. We hope that you seek the appropriate resources to feel better about that. Yeah, 50%. You? You think that's you? Sure. I'll take it. You're 50% pain, brother? You only pleasure of 5%. Oh, see, that's where it catches me.

And I don't even know if 15% concentrated power of will. What percentage do you think you're made up? Yeah. Of all of those things. What percent luck? Let's start with that. Luck? I would say less. I would say I'm 5% luck.

Okay. Got it. What percent skill? In terms of what? Just general life? Can't, we're just asking the question. You have to give a number. Uh, I would say 30% skill.

Okay. 15% concentrated power of will. So the same as, as Fort Miner. I would say I'm way more pleasure than pain, though. Okay. So if he says 5% pleasure, 50% pain, I'll flip that. But now we haven't added up. You don't have it added up.

All right. So where am I at so far? How about you just toss them out? We'll figure out what the... He said 5% luck. 30% skill, 15% concentrated power. So I've remained consistent with my power of will contribution. Right.

So now we're at pleasure. Just talk. He said, I think he said flip them. I think, 50% pleasure. I would say. And 5% pain. I would say, no, my back has been hurting really bad lately. So I think I'll go 40% pleasure, remainder percent pain.

Because it's all back pain, if I'm being honest. And how much of that to remember the name? I would say a good 80% of that to remember the name. Wow, okay. Because I don't want to be remembered for the name. the pain and can we get a tally on uh where he's out again he's he's cheating with the and the remainder right because like now he's making me fill in the gaps yeah yeah yeah yeah we're 5% luck 30% skill 15% concentrated power of power of will so that's 50 right there 40% pleasure

and 10% pain yes I think that's that's 100% that it's 100% yes that's 100% and it's an 80% reason to remember the name yeah because I would like the tall the 20th the internet like the you know the the basement yard is a show Yeah. I would think that who I am as an individual, though, that's more of a reason to remember the name than the basement yard. What about you? Okay. I knew that was coming. I would say, I would say 20% luck. What's the next one? Skill. Skill. Oh, yeah. Now you can't remember it and it's okay. I can't remember it. It's fucking big time, trouble time.

You act four times in a row. Like, hold on. Let's write it down. Okay, skill, I'll say 35. Okay. Power of will, I'll say You're pretty determined. 30% concentrated power of will.

That's a lot. That's a lot of power of will, dude. Is it too much? I would say. It depends what you do for the rest of the ones. Pleasure and pain is left. Yep. And I don't know how much I have left here, folks.

What do you say for the luck? 20. So you said 20, 30, and 35. We don't have anything left, folks. That's 85, 75. We're just going to split the last two, pleasure and pain. So 12.5% pleasure and pain? And 100% reason to remember than it.

So you're at 12. You have an equal amount of pleasure and pain in your life? I had to. For the sake of Fort Minor. Right, yeah. I mean, sure. I'm pretty sure that's 110% to remember the name. How are you doing?

I mean, I said we messed up the numbers, huh? Frankie's math was wrong, but I just let it rock. It's fine. Let it rock. Kevin Rudolph. We're back in those days. Yep, we are. Let it rock.

Let rock. Let rock. I hated the way that guy wore hats. I don't remember the way he wore hats. Oh, that was a big thing at the time. Didn't love it. Where it was like, there were baseball pitchers that did, too, and people were like, they're my favorite pitcher because of how they wear hats,

like Dantra Willis and Michael Paneda. What about C.C. Sabathia? C.C. Sabathia. Yeah. Hall of Famer. Oh, yeah. But, like, I remember when I, this is a true story. When I was first introduced to Fittis, which was seventh grade,

I was told to wear them in a specific way. And it was. By what entity? My sister. And she said, over one eye to the side, like Jay-Z. Yeah, I'm glad you grew out of that Because I know that you did used to wear your hats like that No, I really didn't wear him like this

I was most, no, no, no, I really did I wore him backwards a lot You know, I wore him backwards sometimes Sometimes I did, you know, just like resting on the head like that You know, but like Going out and being like What's good? What's up, mommy?

I didn't ever said that I know, I don't know why I did that now Yeah, you never think of the day What's up mommy? Yeah, I don't remember that happening at all But anyway, amazing. I'm glad we figured out what we are. Did we ever clarify if Chester Benningfield was the-Denningfield or Bennington? No, Natasha Beddingfield, I think, is what you're thinking of.

Great. Also a great singer. Was Chester, the lead singer of Fort Minor? That's what you asked? But yes. Whoever you said was yes. Mike Shonda? That's the actual, like, frontman for Lincoln Park, yeah.

Oh, okay. Chester Bennington, like, he was like, he was like the screamer guy. I know, I, I know. But he wasn't like the main guy, the main guy who like, you know, would, was like the face of Lincoln Park. Yes. They both kind of work. I'll be honest.

I couldn't even tell you what any of them looked like. I don't even know them to. That's not true. That's not true. I remember Chester because he was in a saw movie. Yes, they were. Wow. Chester was in a saw movie where, like, he was, like, stuck to a seat of a car and it, like,

ripped something out. His butt off? No, it, like, ripped his arms or his mouth off or something like that, his back. It like ripped him out of the car And his back was glued to the seat Dude I would do so bad in a torture chamber You just be like just let me go Or they actually I guess I would do good

Because I would scream a lot Which is what I assume they want Oh my God Yeah I mean this got dark very quick Well I'm just saying I well what they want is they You're either in a torture chamber For a couple of reasons

Sexual gratification or to get information from you Yeah they're getting the information from me Oh you're snitching immediately Like immediately it really would depend what it is like if it's like a government secret it's out don't tell me anything like literally

don't give me information about the country it will be gone if I'm tortured yeah I don't know what the only thing I'm willing to protect that would be willing to like torture me over family and very close

loved ones everyone else I'm out I'm out I'm getting out oh I was referencing in terms of like the country yeah like what are they get to ask me about the country that's like that's why i'm saying don't tell me anything to don't tell me where things are you think that the people are what the code is for fort knox you know what yeah hey just in case you were ever wondering government officials yeah don't tell joe the court the code for

fort knox i can't i can't talk today yeah i can't i just can't talk today it's okay um yeah i i don't think i'd do well in a torture situation would you like spit out i'm like fuck you i mean for certain things. Like I said, if it was about like family, then yeah. But like, if it was just like, tell us where you, you know, code to your safe, I'd be like, here. I'll tell you for, I'll start giving them pieces of information. Yeah. You know, that like, can I leave a tip? I'll just start like, maybe at that point, making up things that sound cool that I know that they can't cross-reference until they either kill me or let me go. You know, I'll just be like, by the way, I know Beyonce's address, you know, but it's in Iowa. So you're going to have to go there. Meantime,

Do you mind just let me go? This is quite the strategy. I mean, it might not work. I don't know how well that's going to work. I mean, you're in a life or death situation. You've got to kind of throw stuff against a waltzy but sticks. Yeah, I'm not really, I'm not good. I won't hold the secrets for the government.

Also, speaking of the government now, apparently you can, you can Venmo the government to help pay down the national debt. In what planet am I going to help you get out of debt? Trillions of dollars. You think I'm sending you even a buck. I mean, in theory, Joey, we are all. part we are part of the debt too so kind of it's it is kind of our debt you know I should debt more on top of my debt yeah now you need to pay your billions into the

national debt to just help out of here there is nothing there is no reality no no no reality one where we're getting out of national debt it's like in the trillions now it's it's like bad you ever see the counter and in uh uh oh is it what square is that in New York there's a national debt counter and it's just going up all the time You know what I'm talking about? I do. I don't know where it is.

Lincoln Square? I don't know. Is that a place? I don't know. Well, Lincoln Square. Nonetheless, there's nothing that you could do to get that to, like, even put a dent in that. It's not even put a dent.

Even Elon Musk, with his newly awarded reported net worth of $405 billion. He can't. I mean, he can make a dent, but he can make a dent, but not a sizable dent. No. If it's in the trillions, what's, the size of the national debt right now yeah let's look up the national debt and what do they think is going to happen yeah how much money you think i mean i'm sure there are people like let's help our country let's do the right thing good for them i think they should be dragged

by horse yeah okay or by drag queen rope yeah drag queens that should be that should be a new honestly that's a good punishment because the drag queens will fucking flame the shit they'll roast your ass we're in debt a measly 36.7 trillion dollars lower than i thought but a lot Lower than you thought, brother? I thought it was like $300 trillion. Not that that's like, I mean, that is what he said. Let's get, no, he said 36. Oh, I thought you said 3506.

Let's get this out of the way. Trillion is a fucking loony-tune number. It's a million billions, right? It's a looney-tune number, bro. It's a million billions. It's not possible. So think about this. Right now, Elon Musk has only $405 billion.

What are we doing? What are we doing, guys? And I'm going to Venmo the government. Is it a million billions or is it a billion billions? I don't know. I don't even know how numbers work. Wouldn't even matter, though. Doesn't even matter?

It's a joke. It could be 400 bucks. I'm still not sending it. Like, we could have a national debt of 400 bucks. Also, what happens when we're out of debt? I don't even know the answer to that. I don't even... We're just spending the money anyway.

It's always going up. What's the difference? I don't even think... Forget about spending. If we were to just stop spending today, whomever we are in debt to which is a great question also who are you in debt to? I think China's up

there I think people are in debt to China pretty sure but like whatever the interest rate is it's going up it's a joke even if we stop I can guarantee they're probably not even giving away money right now for national debt but it's just going up because of the

4% interest rate what's 4% of 35 trillion dollars fucking cares it doesn't matter it's made up bro think about this like national in this day and age, money isn't even real. Like, it's just numbers on a screen.

Well, I think money is pretty real. Oh, so can I have some? That's not what I mean. What I mean is like, how quick it got real there, right? Can I have some? What are you talking about? And your brain no house, fuck you. Like, but like, it's, it's like numbers on a screen where it's not like, here's coins or here's the gold, here's the whatever.

Like, it's just, and it's trillions of dollars we're in debt. Like it's made up numbers and now these people who are making the numbers of what money from us what to help with their made up numbers I do agree with what you're saying because I don't feel like I have earned money unless I have it in my hand Like unless I physical and like the same thing with like buying something like physical goods like clothing or anything that I buy Until it's in my hand as far as I'm concerned. It's not a real thing. So like these people that are just like they have a net worth of they have a They have $500 million in Bitcoin. They might have that, but they don't have it. You know what I'm saying?

Like, they don't physically have it. I mean, yeah, they don't even have it in that other sense. This is what happened as a result of savings accounts being completely devalued and money going completely into the stock market. Bro, there's all those money in the stock market. Is it even money, though? It's just people saying like it's... What's money in the bank?

Physical money in a bank. No, it is not. They don't have all that cash. Sometimes that's what it used to be. That's what I'm saying. When I was in your bank account right now, you can't go to the bank and get that in cash. It's not going to happen. They're not going to have enough.

Maybe not the, but I'm saying back in the day, that was possible. Maybe. I mean, because it was the 80s that people would show up smoking cigarettes. They'd be like, put this into my savings. And they would say, no problem. We are a small mom and pop bank. What is a big national bank? What is that?

Yeah. That's why it was possible. Now, it's just like, take. my money and put it into this cloud of money that you're choosing you want to do whatever the hell you want to do with. And then when I want it, you can maybe get it to me in a week. I mean, I disagree with your saying about the stock market. It's better to have it there than it is to have it in a bank. No, no, no. It's better to have it there. I'm not saying you're wrong. Yeah. But like, is there one place that's like, this is the stock market. We're holding

your money? No. Exactly. That's the point. Yeah, but that's the same. Bank too. I know. It's stupid, too. I know. Banks suck. This is what I'm saying. Stock market sucks. Fuck you all. How about that?

It's not a physical thing. It's just numbers on a screen. If you turn the screen off. I don't. You don't have it. You don't have it. Isn't that crazy to think about it? And if you don't have access to it, you don't have it either.

Yeah. So if I take Joey's credit cards right now and I use them for whatever the hell I want, it's my money then. Yeah. So can I have them? My credit card? All of them. No. All of them.

How many do you think you have? four I don't even know I don't have many I think I have like two I have three but I think I use two read the numbers out loud okay

show the show people yeah I do think that there are people that older generation that that feel this call of duty to like roll that war

help yeah right to like help their country so they think that the best way to do that is to Venmo also Venmo crazy which is such a stupid, like everything that everyone complains about with our current society, with millennials and shit, Venmo, delivering money to the national debt via Venmo is just

such an ironic way of doing it. What is the issue with Venmo? Well, like, everything that people complain about now is just like, oh, everything's online, like, oh, social media, like, go out and touch the grass, go out and did it, and Venmo is just sending a number to another person that and they get a number and it's not like a physical thing yes it's money i mean it that's that's what i'm this is such a funny conversation that i'm like stepping out of it for a second that's literally what we're talking about is like money used to be like here's physical things and it feels if it makes more sense to have physical items i feel like i'm trading this for that and these have a value and whatever but now it's like i'm sending you numbers

and you're giving me an item yeah or like sometimes i'm sending you numbers because you sent me a number earlier like it's just numbers i wonder if it's been like because i'm sure it's been discussed but like if there's been a term like a phrase coined for like the disconnect that people have between their money and paying for goods with a credit card because i'll tell you right now what do you mean like when i pay for something with cash it feels more like it carries more weight like it means something more because i i have the cash my hand. I'm counting the cash. I'm giving the cash. But when it's numbers on a screen or it's your bank account that you just see, you know, the money is there, when it's just like hit a piece

of plastic against a card reader and then you get your thing. Like there has to be something that has gone into that interaction that like has made a bit of a disconnect because I am way more inclined to just be like, card, card, card. But if I have to pay for something with cash, I'm a little more like this is what I have right now you know not even just limiting me to the cash in my hand but just like it feels more intense well I think it's just you don't have a lot of cash it's easier to just like if that transaction is easier yeah you're more inclined anything that is like more streamlined is like there's less to think about well I feel like if you just you don't see the immediate like deduction of those funds it is I mean most of the country wouldn't anyway I mean

It's credit card debt. I know, but that's what I'm saying. Like, I wonder if there's been a term coined for that. Like, that disconnect between people and their money when they're not physically paying for it with cash. Because it's real for me. Like, 100%. I'm having trouble following.

What is real for you? Like, I am way, it's way easier for me to pay for something with card than with cash. Oh, yeah, of course. I mean, that's everybody. But I'm saying, like, I wonder what that term is. is if there's been a term coined or something I don't think it's a term I think it's just like it's just easier because it's quicker

terms for everything baby but like what is the term gonna do for you I just wonder if it's been named if I could say I have a thing no but I think it's just it's like I don't like what Uber does like it makes it easier it's stream it's streamlining like getting a taxi you don't have to go outside and wait and like you know whatever you're more inclined to call to pay for an Uber like that like a taxi in that way because you could just do it from your phone and it shows right up to

where you are. So it's just streamlined. It makes it easier. You're more inclined to do something that feels easier, I guess. I wonder if people are more cautious to spend nowadays than they were previously in other generations. Are they more cautious to spend? Yeah. And I'm not even talking about like inflation. Things are more expensive now. Like if you adjust for inflation, like the human mentality that goes into buying goods now. I mean, I think that the answer would clearly be people are less, uh, frugal because of just the national credit card debt is astronomical. So you think they're more willing to spend now than they were? I don't know when the credit card was kind of introduced, but like, I think that like because of that, you can spend

money and then pay it off in small increments, but then you're paying interest and you'll never, like for a lot of the country, you're never going to be able to pay that back because you're busy paying interest. So like the national credit card debt, just keeps getting bigger and bigger because it's like I can I can afford this because I can pay for it right now and get the item and I'll pay for it later but there's no way there it's like very hard to pay back the thing. Yeah and even even when there's no interest I think that's what happened with that company Klarna remember Klarna or not member I think they're still around now but I think they recently like said like we're in trouble because people are just not paying back

you know how like when you go to checkout it could say like you could pay in lump sum yeah or you could pay four interest-free payments of 120 bucks through Klarna. Right. And apparently people with Klarna are just, like, not paying. Yeah. I mean, there actually is a term. It's called the pay, the pain of paying or the cashless effect is what they coined it as. The cashless effect.

That's all I wanted to know. I got the cashless effect. I think doing that is like, I think people would consider like Frankie Math or like Boy Math or something like that. What the hell was that first one? Wait, what do you mean? Frankie Math is legit math. It's like, it's like, oh, I didn't pay for this right now, so I didn't lose anything, math.

Like, that's Frankie math. It's like a... Why are we called this Frankie math? Because you were the one doing it. Because it's... Who says I'm doing it? You said you were doing it. You did say that.

When did I say that? You literally were like, what's the term? I want to know what I have. In terms of just the feeling of not, like, knowing the weight of your payments. You're talking about, like, I don't think I'm spending money if I'm just paying for it at a later date. I am spending the money. That's not Frankie math. Frankie's good at math.

Frankie did great math. it's just a thing the kids are saying these days sorry guys i've i know i know the term of girl math i've heard that term but he was frankie and not a girl so i just called it frankie right got it frankie's good at math i'm kidding yeah i got to calculus four bitch differential equations bitch but yeah i mean i'm not

be honest will you be like a petty bitch and like venmo the government like a penny why would I do that show them who's boss they're not going to see it yeah they will nope how many people you think have actually venmoed the government

I think probably a decent amount that think they're doing and like maybe some people have like a good interest in mind but like I'm not falling for this shit you're not getting me bro I don't know what number aunt could say if he's looking up how much they've paid that would even make me go like

wow good for them because even in the grand scheme of things even if it's A million, a hundred million dollars. It doesn't mean anything because of the national debt. No, and also, like, fuck off. Like, it's your debt. Why am I paying it? I mean, I'm sure in theory, they're going to defend it as being ours

because those decisions were made by the elected officials that we elected, and you elected with your vote and your contribution is the vote. Okay, but we didn't bankrupt the country. You did that. That's right. Like, fucking, how is that our fault? The numbers are a little tricky, but what I'm, getting is people have Venmoed 2.7 million in gifts to pay the debt.

Bananas, dude. I have an idea. That's also lower than I thought it would be. No, that's about where I thought it was, honestly. The Venmoing specifically, it hasn't been around that long. Yeah, it's been like a week. I'm just going to say this. I will get you a Venmo account that you can Venmo to get rid of some national debt.

If the profile picture just happens to look like me, whatever. But you can Venmo if we get to, I think they said, that account specifically said, if we get to a million dollars. Do not rob our viewers, you son of a bitch. I'm not robbing anyone. This is for the government, dude. You don't want to help the government. You're hoodwinking. You don't want to be a patriot.

A patriot. You don't want to, you know, this country has given you every single thing that you have. Everything that you have has come from, oh, see, this country. and the people that have made it up. Can you see? So you owe a huge debt by the dawn. Oh, you're doing background. To the people that have made up this country,

early line, and the people that are in their position of power. But so proudly we have held. So what I need you to do, Joey, is open up your checkbook. At the twilight last gleaming. Is that it? You need to stand proud, chest up, chin to the sky. Because the American people need your help And you could Venmo them at my Venmo

And I'll help them I really would like to know what happens When we pay off the debt Like what happens Do we have a big party? It's never going I'm letting you know it's never going to happen You telling me we spent $38 trillion

And like People can't afford to live So what if we pay off the $38 trillion We're trusting the same people To not put us back in the same Like what do we expect to happen I didn't think we were If I knew we were going to get this intensely political,

I would have brought some fucking haymakers. I just don't get it. I just don't get what happens. I mean, you spend $38 trillion. Well, this is not just like today they spent it. No,

I'm aware of that, but like you spent $38 trillion and then like what? Like I know a lot of it is military spending. And I mean, we spend like triple the amount of anyone else, like wherever it's in second place. I think China. But like,

I'd love to hear those phone calls where they're just like, Hey, China. 38 trillion is like I said, it's a fairy tale number. Like you're just spending shit. shit that is made up and will never get paid back like they know it too whatever people are doing to clara is what our government is doing to whoever else we owe no one's paying that and no one cares joey's spitting facts like i said if i knew we were getting this intensely political i would

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Now, Josh, what you do is I'm going to go like this. And when I do that, just cut to Joey. But put like a cool, like a graphic in between me, like doing that. So it looks like I threw the camera. You ready? All right. Back to the episode. Anyway.

You had something geared up ready to go before he started the ads. Do you remember what it was or is it gone? Oh, I was, I just refreshed my whole, like. It's gone. on the economy it just brought everything back so you were now you were a finance major right yeah so am am it never goes away dude yeah

it sticks with you it's knowledge you are a finance well like I'm not now still a like I'm not in school so I'm not still a criminal you have a degree though yeah but I like you were a finance major you got your degree in it semantics sure I get it okay what do you think about this do you think there's any reality that we ever get of this national debt. Well, the

debts attached to our treasury bonds, our treasury bonds, interest rates attached to the mortgage rate. If that goes away, I don't know, everything kind of collapses. So there's such thing as too little debt as well, technically.

Yeah, I mean, I also don't think, like, we're like, what? I didn't know that. I've never heard of that before in my entire life. I also don't think there's, like, an immediate reason to, like, pay off the debt.

I don't think that does anything. So wait, so if we get, completely out of our national debt. The country's financial system will basically collapse. We'll adjust, but yes, technically it would be a very scary time for a little bit. Well, why, though? See, that's what's fucking the cyclical nature of this bullshit. Now, I'm going to get political.

Okay. Is they want us to be afraid. That's it. That's all I got on. We're running on interest. That's crazy. That's how everyone makes money. I know.

It's still crazy. No, I know. I mean, it's a fucking, that's why I'm saying. the thing is such a joke and honestly a balzy move to be like oh you can Venmo to whatever it's like what are you asking like you're not even going to pay this back

clearly you guys have no interest in paying back the trillions of dollars which is again a fucking made up number now you're asking people in a country who don't have money to help pay off a number you have no interest in paying off what are we doing like that's literally just robbing the poor

yeah it's insane it's like tricking like a homeless person would be like, hey, give me 10 cents because of you know, whatever. What are you doing? Are there any other countries that have, I'm sure there are countries that have national debt.

Of course. As much as us. Are there any countries that are in the green where like they are just making, like they have made more money than they have owed? I honestly don't know the answer to that, but I feel like, I don't even know that it would be like beneficial for you

to like not be in some sort of debt. You have to be spending money and, like, upgrading your systems and infrastructure. Yeah, but, like, spend the money you have. That's what I'm confused about is, like, this is a level of, like, finance bro talk that is completely lost on me. Yeah. Where it's, like, I'm like, if you have the money, spend some of the money, have enough money

to have left over, not like, spend it all. Your money is, you have negative amount of funds and it's all doing something. And it's like, I, that, and I'm, I'm dead serious when I, I say this. That makes no sense to me. Maybe it's because I just don't have the knowledge of it at the moment. But like, I just, I don't understand that. Yeah. I mean, it's, it's confusing. But like, there's a lot of companies that just are not profitable. And that's, I guess, one of the reasons why I'm not a CEO of one of these major companies. Yeah. I mean, that's not the only reason. But, like, debt is good in certain instances.

There are people who, like, I've seen some guys online be, like, they don't believe in debt. They don't need those credit cards, which is like, all right. But, like, sort of a hot take place. I understand, like, real estate, okay? Because technically, you don't have the money. You don't, but, like, for instance, if I buy a house for $500,000 and I only put $250,000, in theory, I'm in debt for that $250. Yeah, that would be insane. I know. Yes, it would. I'm just using roundabout numbers to just help explain it a little bit better.

But like every, you're paying into yourself. You're not paying into getting the debt down. So like, what? You're not like you're putting my, you're basically putting money into a piggy bank. Okay. With that house. That's the only place I understand it. Where other people are just like, I have no money in my bank accounts, but I'm living lavishly. And it's like, so then how, like, you don't have the money. like that I don't understand like how are people

honestly if you have $50 million in Bitcoin you don't have it in your hands how are you rich because you have it in an asset I get that but you don't have it to use right now

so liquidity question yeah I think so I don't even know what I'm asking I mean if you only have assets like people aren't living off of that you need to have it in some way or you can go and get a loan for that and like take money out on your money

which is something that you can do but you would pay an interest on that as well you could put your assets up to collateral get a loan yeah so it's like I have an asset so you can go but then you're a double debt because if you now now you have a loan

but you're putting your assets up to get a loan so now you still don't have the money and now you have a loan so now it's double debt no double dude so that's how you're using it as money yeah still doesn't make sense to me

But, like, think about this, right? You guys, you're trying to explain this to me, and I don't have the capacity for it. Well, I'm just saying, like, if you have an asset, right, that's a million dollars, but you have no cash, you can go and be like, I have a million dollar asset that, so give me a million dollars cash. So they'll say, okay, because if you can't pay back that a million dollars by whatever, you know, terms, they'll just take your house as collateral because they'll get the million. But then you have nothing. Huh? But then you have nothing. Right.

I mean, you're banking on that not happening. Like, you can have the house and you can have the million dollars cash. This all seems pretty stupid. And I think, obviously, we can go back and we can blame Alexander Hamilton because he was the founder, basically, and, and constructor. Is that a word? Constructor? It is a word. Right?

Or what are you asking? He's the one that made the financial system, like our country's financial system. The creator? Yeah, that's it. He constructed it. He constructed our country's financial system. system. So like, I just, hey, Alexander Hamilton or any of your descendants that are listening. First of all, see the show. It's pretty good. So I've heard. I've never seen it. Like, in person.

I've watched it. Do you have any debt? No. I got the house. Oh, yeah. Yeah. Some cars. I got a, I mean, we have two cars. I know. I know. The way you said, I was like, we got six cars. Got six cars. But I stand by, like, I'm, I would be the type of person that'd be like, how much is this car? Here's the full amount. Now, I know it might be a stupid financial thing to do. Yeah. But it just feels like the smarter of the two options. Well, you also understand. So like with the stock market as well, if you take money and you, let's say your house, you're like, I'm just going to pay for this house in cash, right? And let's say the house is a million dollars. So you're like, I'm just going to pay a million dollars cash.

And you have like, I don't know, $1.5 million. Right? So you're like, I'm just going to pay for the house in cash. Now you have $500,000 in your bank account, and this house is completely paid off. You can get a mortgage, which isn't bad. It's debt, technically, but if you still have, like, a down payment on a million-dollar house is like $200 grand or $250,000, something like that, 20 or 25%. You can have, what did I say, $1.5? So you'd have $750,000, right? You could, instead of putting the house and having it paid off and only having $500, you can, put 700 into the market, which will make money,

they could technically pay for your house. I get that. I get that. But if I pay the million in my house right now, that's a million. It's paid. Right. If I wait, put money in the market, the interest that it accrues, I'm going to be paying more than a million dollars.

Right. So like, just pay the million now. But the idea is, let's make this an even, like, smaller number. So I don't fucking bash my head against the desk. $100. Yeah. Pay $100 now or pay $50 with a 5% interest rate and have to pay whatever the difference is at a later point, which will be more than the $100 would have been up front. The idea is that if you get a 30-year mortgage, which most people do, you will make more money if you have more cash in the market.

Historically, that is the case. Yes. Historically. Yeah. I think it's stupid, though. But you would have more money. How's that dumb? Because I'd rather pay the money right now if I have the ability to pay it. And then just whatever money I have left over, let that do. It's trick. Right. Instead of putting more into the market. Because then I have to pay for this thing over here. What's this thing? The house. Yeah. I don't like that. But you would, but, but you would have, you would have, you would have, you would have the million dollar house. Because let's say you put the million dollars down and it's like, that's a million dollars. Boom, you're done. Also, you know what grows significantly more than the stock market? Real estate market, baby.

I mean, that's not always true. I mean, over the last couple years, it has been. Yeah, but you could have both. I don't want to have my cake and eat it, too. I want to have a cake that I can look at and really appreciate. Okay, but this is what I'm saying. Like, if you put 250 into the house or the million, if you turn around in a year and sell it, you get the same amount. you get the same amount

no because the house will be more expensive in a year exactly but that would still be the end amount like the bank would just get more of the money but whatever you would make on it you would you would it would be the same I guess I operate in the mentality of like I have the money now pay for the thing now right and then whatever happens in the future like it's an added bonus

right it's just a it's a risk adverse mentality like it's fair I guess I don't like risk is. It's like not a risk, though. I mean, it's a very short-term risk. It's not a long-term risk. It is a risk by definition, but in execution, it has proved to not be a risk. Okay. But if it's never a risk in the long-term. But it is technically still a risk. Okay. That's why, like, a lot of billionaires, you're like, oh, you have a mortgage. Why don't you just buy the house? Because they just don't like their money tied up. They could put it elsewhere.

And it could make money instead of just being in the house. That makes sense when you're a billionaire. No, but I'm saying like, no, but anybody. On a smaller scale, it still makes sense. Listen,

I am fully acknowledging that, like, I know this stuff. We've talked about this extensively. Like, I just bought a house. Like, I get,

I get all this. Uh-huh. I just think it's stupid. I mean, I mean, I just think it, but you get free money for having money. I think it's stupid that I need to,

like, complicated to understand. And that is about so much of our country right now. Oh, say, there is so much. Can you see that the normal people in our country, hardworking men and women, by the time that need to put themselves, they can't just go about their lives and understand something. They need these advanced degrees and technicalities and blah, blah, blah, what's so proud. Why can't we just be a simple country that loves its people, Joey? because what you're but but I think that it's important to like say this because I do think that investing is an important thing for people to do and unfortunately if you I was lucky that I had a brother who was in finance and kind of explained these things to me and I got like you know I was able to learn like that but a lot of people go a lot of their life you know especially in this country not making enough to even be able to invest and that's like a luxury to be in a position to be able to do that but if you have the money and you can invest like it's an important thing because even if you use Most people don't have the amount of cash to make a down payment on a sizable house.

But if you're investing your money, like little by little over time, that is very helpful in the future. Instead of just tying up all your money into, like, one asset that could potentially, like, that to me sounds like a risk, if there is a crash or something. Sure. Sure. It's important to invest. Fully agree. Fully agree. You know I invest. Like, you know, like, I am on board with that.

and I fully, like, I hope that people, if they do get that luxury, do that. I, and I'm tying this back to what I said originally, it is kind of fucking evil that, like, the way it is designed now is like, no, don't put your money in a bank where it can gain interest because the bank does better and you do better. Put it in this thing, this cloud where we can play with it and we can have some of it and we'll give you some too if it does well. I mean, I don't think that's evil. I think it's evil to make people feel like, keep your money in the bank, because you don't make interest. But it used to be that way. That's what I'm saying. It used to interest rate, like interest bearing savings accounts back

in the day used to have like high yield interest rates. Yeah, I'm saying like, now they're not because, and there have been economists that have said it's been because of the growth, consistent and massive growth of the stock market, that people have, that banks in, you know, they have stopped giving high interest bearing savings accounts because they want you to put your money in this other thing. I think that's a little, in my opinion, a little predatory. Sure, they might make some money doing it, but I don't know. It feels like instead of having the money that you've earned

and like keep it in this thing where it's safe and it'll make money, go put it in a risky thing where it could make money, but also it could lose some money. I just, I don't, I don't, that to me is a little freaky. So you're positioning yourself by saying, like, don't invest. No, I'm saying, I think it's, I think that's the way it is. It's responsible now to invest. Like, that is a responsible financial decision that you should make if you get the opportunity to.

I just think that the idea of, like, saying we're not, like, basically devaluing interest-bearing savings accounts and overvaluing the risk. Because even though you say it's not a risk, it is still a risk, of putting your money in the market. I think that's a little in doing that you're also like adding an extra like unfair education barrier that someone has like nowhere to put their money instead of just and easy bang it again I get that yeah but like if you're like fortunate enough to know these things like yeah but guess what you need to be on top of working fucking super hard you know like let's look at like middle America like working class and on top of working hard to make the money then they need to educate themselves on this stuff then they need to

need to, or they pay for someone to do that for them. Yeah, you pay like a, like a, like a, like a brokerage. Yeah. Like that's, that's a lot, you know, and I, I, I think that. I mean, in the, in the, in the grant scheme of things, giving one percent to a financial advisor and potentially making six to 10 percent a year is worth it. It's more money than you would have had. I fully agree. I'm just saying that having got to that point from where it came from where people used to be able to take the money that they earned and let it make its own money by sitting in an interest bearing savings account. I just think like, I mean, there is, you can do bonds and they're like a guaranteed. 4% or some shit. Yeah, like CD accounts and stuff like that. Yeah, like, but there are ways that you can do that. And those are technically the market. And you know what those are tied to? The National Dope.

Oh, fuck it, bro. Can't get rid of it. They ain't going nowhere. And also, some people just trying to buy some Cheerios, you know? That's what I'm saying. Some people just trying to buy Cheerios. That's it. I get that cash on it.

Frosted Flakes. Hell yeah, Frosted Flakes. I had the saddest bowl of Frosted Flakes the other day. Sad? You were there. Oh, yeah. It was such a just a limp dick bowl of frosted flakes. Bro, this hotel had a bet.

They were like, oh, breakfast in the morning. We went downstairs. Frank was already there, and he looked miserable. He was the only one in the place. And then it was two pots of coffee. Then there was a carafe of hot water. A carafe of hot water and some tea. Then there was the hardest bagels I've ever seen in my entire life.

There was some cups of oatmeal. And then a small fridge that had frozen, like, Egg sandwiches. I was like, I'm not eating this. You're also bearing the lead here. There were three things of cereal dispensers. Oh, right. Which it was, I actually got to say the cereal choices weren't bad.

Frosted flakes, apple jacks, and a raisin brand crunch, which Greg put in a cup and ate dry, which... Crazy. And then a bowl of green apples, not red apples, and you would think the other fruit that they would have would be bananas, right? It was like green oranges. They were very unripe. Oh, I was like, what? But yeah, it was kind of fucked, but, you know, it is what it is. We have more sponsors for this episode here.

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I mean, we're the finance bros. That's what I think the title this episode needs to be, right? The finance bros. We're finance bros. We're finance bros. We're finance bros. And it's like you as Gordon Gecko, like smelling the money. I know that name, but I don't know how that is.

From the movie Wall Street, played by Michael Douglas. Oh. And then me as Jordan Belfort. Hmm. Could have picked anyone else. It's the only two finance bros I could think of. Who else is a finance bro? Am, apparently.

Damn. I know nothing. Did you ever have one of those shirts that it's like the collar is a different color than the rest of the shirt? You know what I'm talking about? Like those like button up shirts? No. It'll be like blue and white pinstripes and then the collar is just solid white. And they're just like, oh my God.

I've got to get back to the office. I got trade, trade today. Frankie, I'm here with you. Yeah. Have you ever, like, want to go and be, like, a Wall Street trader? I tried. Well, I went through the interview process, and I was like, oh, God. Is it like from what? You were trying to be a traitor? Well, I didn't like that, but, yeah, a traitor. You're trying to be a traitor, huh? No, I wasn't saying, like, treason. I was saying, like, well, yeah, essentially financial analyst. Got it. Oh, so you were trying to analyze the finances.

It's got to slip in there somewhere. Yeah, so it was right there. You know how it goes. So, like, did you know anyone? Do you know anyone that has done it? A couple of my friends, like, from there, but... I imagine it's like, oh, it's the 2020s now, so it's not as intense, but, like, in, like, the early 2000s, it was like, what was on, like, Wolf of Wall Street, where it was just, like, drugs and fucking steaks at noon and... Martini's. And then trade, trade, trade, trade. Escort, escort, escort. I imagine that's what it was like.

Yeah, I mean, I think that it's still some of those things, probably. Stakes and martini. in the middle of the day. You ever go to Capitol Grill at like 2 p.m.? Fucking filled with dudes with vests. I've never been a Capitol Grill. The Midtown uniform, as I've heard, it's been referred to as.

It's like the long sleeve shirt rolled up with the Patagonia vest. Yeah. You know? Yeah. Not for me. I did like getting dressed up, though, so. You liked getting dressed up for work?

Yeah. What job are you referring to? Any job I had. I liked, except for this one, I guess. I would. Target? it? I would wear a collared shirt. The red one. Yeah, red collared

shirt. You like a uniform. Oh, kind of. It honestly makes things a little bit easier. Like, I used to be one of those people who was just like, it's so restrictive. But like, if I worked somewhere and it was like, yo, you have to wear this every day, it would kind of be nice. So you would like enjoy like a Catholic high school? Maybe in my like older age, yeah. yeah like if I was like my current age in high school

that's a weird I mean like just like the idea of like you don't need to wake up and be like scramble for like figuring out what to wear not that I do that now but like I could see like people that wake up and they're like oh fuck I need to be in work today at 9 a.m and they're like what do I wear

honestly my high school it was a pretty good deal like it was a Catholic high school with a uniform but they gave you like a bunch of options and it was just a polo so like if I had to do a fucking tie every day my god it was a blue polo

it was blue it was black SFP red SFP which shirt did you always wear blue Navy there were white ones too right there was white I never wore white no one wore white oh shit okay

sorry guys his senior year he was allowed to wear hoodies and stuff yeah it got rid of that right away I think they ruined it Well, I remember, because I dated a girl that was in our grade at your school, and they took away girls' ability to wear skirts. Yeah, they got rid of skirts, because they said girls were, like, making them too short. So now the girls were in.

They were in khaki pants and slacks. Yeah, like, and the same things that we would wear. We had the same uniform. Yeah, yeah, that's right. I remember that. But you had options. So you had different color pants, different color shirts. Could you wear any shoes that you wanted or did it have to be, like, low first?

They had to be black. Oh, so, like, people could show up in, like, black Jordans or something? I don't, could they? As long as they were all black. Yeah, you can do an issue. No, no, like, red streak through it or something like that. I think if it was, like, slight, then maybe you'd get away with it, depending on what year you were. And then what happened?

Would you get detention? They would, um, what would they do? Written up? Yeah. You're warning detentions. It depends. It depends what mood they were in, honestly. Yeah.

Sometimes, did you guys have the dude who had the fucking radio? Yeah. Yeah, that guy. What the fuck was his name? Oh, I don't know. I didn't know any of their names. The only, like, thing I really remember was we weren't allowed to wear hats. in school.

Yeah, you can't work. Yeah, I mean, you can't. Can I ask you a serious question? No. Why? Would you wear a hat in a restaurant? Yeah. Like a nice restaurant, you'd wear a hat? A nice restaurant, no.

But it was a school. It was Bryant High School. Who the hell is attributing Bryant High School to a fucking three-star Michelin restaurant? But it's the same, that's the reason. Like, for whatever reason, people have decided like wearing hats in places. Dude, there were people fucking sucking each other

off in the stairwell. I can't wear a hat. I agree. Oh, no. I'm offending you by showing my, you know, affiliation with the New York Yankees fan base. But fucking, you know, Stephanie and Marcello are in the corner

and they're playing jerk off with each other. I'm the issue. Playing jerk off. Yeah, I think it's just like they're trying to keep it like, I don't know. Because all the, you know what it was. People have a generation too, like everywhere. They take their hat off.

Like when they walk into a place. I won't, like... Even if they're hopping into a coffee shop real quick, take the hat off. That's such a like... 1940s. Yeah, like, because they wore their rain hat and they'd be like...

Yeah. You know, and it's like, dude, just... It's okay. It's not offended by you wearing a hat here. It is a strange thing to have started. Some people like making rules just so people follow them. Yeah, that's exactly what it is.

Because there's no reason that a hat offends anybody. Unless the hat says like, suck me twice on a 14th Wednesday or something like what could that possibly mean I don't know but you know what I'm saying I think it was more it wasn't offensive it was more of like it's the gentlemanly thing to do yeah to remove your hat yeah I mean we're doing it like when you do the uh before sports games like you take your hat off yeah I don't I don't take it off every single time yeah I don't get it yeah it's just something we've kind of

Like, it's just a weird thing to say is, like, a sign of respect. Yeah. It's just a weird thing to be like... I mean, everything is kind of weird when you think about it. Like, shaking hands is a sign of respect. It's like, why did we pick that? It could have been anything else. I agree.

I mean, you know, the Japanese do the bow. The bow. I feel like it's way more respectful than a shaking a hand. I want to, like... I mean, am I allowed to bow? That's a great question. You probably have to bow when you're in your... If I were to be in that setting, I'm bowing.

You got to bow. I'm bowing because I'm not going to be the guy that does the dirty American handshake thing. Dirty American handshake. I think bowing, hopefully that makes its way. I get so amped when I see like two Japanese baseball players that like respect each other so much and they have like a bow off. They go back and forth. They're just like, oh my God. Like I'm so and I'm just, I like, I love seeing that resigned of respect from that.

That I like. Yeah. You know, I don't care about our signs of respect. How do you feel about handshakes? They're fine. Needless. Needless? Yeah. I think there should be some sort of touch.

Do you, like, when you feel a handshake, when a new person, like, damn, I messed that up? No, I've never messed up a handshake. I will say some dudes get a little crazy with the handshakes. When you're going to squeeze my hand as hard as you want because you think you're like, I'm so mad. Like, you're a loser. I'm sorry. That's not me. No, that's not me at all.

I am a very like no no no no that's not me I'm I'm all business with a handshake hey how you doing and that's it but like the people that do like the yeah like they roll like your like knuckles like that I'm not I mean that obviously is like those people should be shot but like is people like who just going it's like they're making it a point it's like oh real firm I also think that the dead hand is like ridiculous also but dead hand is this the worst one I've ever gotten is this I've had people do that where I go to shake their hand and then they go like that. And I like shake this.

Like, men or women? Men go. Yeah, I call them the squids. Squids? Yeah. I have a, I have a, I have a cute little slur for them. Yeah, right? I don't know that I would even shake that.

I'd be like, what are you doing? Am I supposed to kiss this thing? You know what? Next person, or if anyone ever does that, you do that. Kiss it. I'm good, I'm not kissing people's hands. I wouldn't even put my hands in my mouth. There was a time, like, a plumber came through the house and we shook hands and mine, like, he caught here and it was like this.

Oh, I went, we got to do it again. Oh, you said, yeah, yeah, yeah, you got to restart. Yeah, we got to do it again. Yeah. Dude, the worst is when you go in for like a handshake and they're going bump and then you guys switch at the same time. And I'm like, oh, my God. Yeah, it's uncomfortable. And also, like, if you see me approaching with one of these, like a side bump, don't go for a handshake.

That happened to me recently. I forgot where we were. I think it was at one of the shows. Like one of the backstage guys, I was just like, hey, nice to meet you. And he went for a handshake. And I was up here. Yeah. Like, you see him coming in for sidebump.

You got your shield up. I got my shield up for side bump. Yeah. You know, don't, don't like anticipate. Side bump's kind of crazy. It's not a baseball game. I side bump often. I mean, I go like this.

No, because that, that invites, because here, this is where you're going. They're thinking handshake or they're thinking, you can't mistake a side bump. I mean, it's all about this. If I'm far away up, I can get them like, yo, analyze my hand and realize what's about to happen right now. You know what I mean? I've definitely grabbed a fist before and shook that. Oh, I've shaken the fist. That's happened.

Yeah, yeah, yeah, 100%. Yeah, and I just like, at that point, you just got to own it. Like, I meant to do that. It's what it is. Sometimes you got, like, I think you need to make it as clear as possible. If you come up here for side bump, less room for confusion and ambiguity, everything is good. What's your favorite way to greet? Oh, new person?

Both Handshick new person I like the You like the dapp Love the dapp You're a good dapper How do you guys feel about the Italian double kiss Double kiss is crazy

I don't even know if I'm normal kissing people That are not my family I'm not really kissing people I'm literally putting my ear on their cheek And going out into the wind I'm not kissing you Yes I mean there have been times Where I will like full on kiss

Yeah but that's like for a very small percentage of people If it's anyone under, like, 50 currently, you're trying too hard. It's like, bro, we don't need a double kiss. Like, this is, this was gone a while ago. Yeah, double kiss is a, it's a relic of the past. I agree. Also, bro, if I walk into a group of my friends and there's like eight of them, I'm not dapping everybody up, bro.

I'm just saying hi. This is crazy. We've got to dab up eight people. I disagree. Everyone gets a little bit. Nah, that's why. Everyone gets, way too many people. But, like, each person is going to get a hundred, like,

I have 100% of DAP willing to give. if there's five people there, they're getting 20% of a gap each. Like, I'm not going full hundred. If it's one person, and I see you, you'll get 100% of the, hello. Hug, backslap, you know, whatever.

But if there's five people, they all get 20%. You have to limit. You have to limit the energy of your dapps. I'm four is where I draw the line. I'll dab up four people, five people. I'm just saying hi to the group. And I definitely don't want to say bye. That's insane. God forbid.

good what about you i think that's a fair take but yeah more than five like everybody yeah like oh what's up guys yeah oh party's here yeah i'll also like i'll do it if someone initiates like daps i'm like damn now i'm in the dap train but like i won't i won't initiate it because it's like yo there's a big group you're dapp up the whole place i'm gonna next time we're amongst a group of people like that i'm i will be the dap initiator if you walk in and you're gonna you're gonna be stuck dapping everyone up. Yeah, it's just like, it's completely necessary. I think it's the right thing to do. But again, it's only, why are you offended by that? Now we're talking about things where you're offended by you. The hat is where you draw the line. No, I'm not personally offended. I don't,

you don't want to, you don't want to, you don't want to dab me up. I'm fine with that. But I'm saying, I like to dab people up because I like to just say, hi. Like, that's just my way. You know, what's up, babe? Oh, how you? Oh. Oh. Like, if I'm at a place where there's multiple people, but they're not all standing next to each other, I'll Dap up everybody But I'm not If there's a group of five people That I walk up to

Chill I say I say hi and bye To every single one of them It's just a thing I do And I'm not saying That you're wrong For not doing it

But now that I know That you could be pressured into it I mean Do you give the same to everybody Do you do your what's up baby You do the same to everything Yeah what's up How you do

To everybody What's up Oh Yo Maybe we should adapt more of baseball Like But if I'm coming into the place Everyone put their hands up

and I'll walk in and go like this. You know what I mean? Let's get the shit over. Like you just hit a home run? Yeah, just like, bet, but, let's get the shit over with. I don't mind that.

I'm kind of on board with it. I'll be honest. I'm not participating in that. What? Now I got to participate in his entrance. If it's your birthday, sure. No, I'm saying, like, if as a society we decided to do that,

like, I think it would be easier. Let's getting in out of these fucking highs. Or. Sorry, I was yawning bedtime. Or walk in and just be pre-fab fist. You know, just like you prefab your fist you walk in

yope down the line you know fist all your friends just keep it up though keep it up and in view and make sure everyone sees that you're doing fist so everyone's ready for the fist yeah yeah Frankie loves the ghost weaners loves them what oh he's saying you're jerked out of ghosts

classy fucking be mature would you have you know what good lord written up detention now what all right did you have to like do your hair because you guys went to the same Catholic high school Did you have to, like, do it quaffed? No.

Some kid, his barber messed him up and give him a zero around the sides, and they said, you can't come in tomorrow. Like, it looks too ridiculous. What? Yeah. That's the easiest way to get out of school ever. Just give me a skin fade. Yeah, it's like, I guess, I don't know.

That was weird for everybody. We were like, yo, like, what are we doing? Yeah, I've never heard of that. They didn't believe them that it wasn't, like, he was messing around. Did you ever do detention at prep? No, I never got caught. I did. such a good boy i forgot why i did detention i don't know if it was oh i know why um but it was only

one time and it's like you literally just sit in a class what you what you're you just got a blue i had i had a teacher who that i had freshman year and he he didn't like me but yet i should have went to summer school but he passed me by like he like gave me the extra two points so i didn't because passing in that school was 75 and i had like a 73 it was like science but my next year my first day I walked into my class and it was him again and I was like oh god and he had the same reaction and there was a day where he like handed out worksheets and I was sitting down and I was feeling out the worksheet and he like started the lesson and then he like was asking a question and then purposely called on me because he sees me with my head down and I was like oh I'm sorry I don't know

the answer I was working on the worksheet and he was just like get out and I was like whoa what and he's like get out of my classroom and I'm like dude I was like I was doing the worksheet I'm sorry I wasn't listening because I'm doing like work. I'm not like on my phone or something. And he's like, get out. And I was like, all right. So I leave. And when I get to the hallway, he slams the door behind me like insanely hard.

Like slams it. And I opened the door and I was like, relax. And I showed it behind me. Oh, you knew what you were doing. I mean, I was like, I was like, chill the fuck out. You knew what you were doing with the relax. No, no, no. Yeah.

No. That I was just like, yo, chill. Like the fuck are you so mad. Open the door. Relax. Calm down. Chill out. Take it easy and shut the door.

I was just like, yeah, chill. I didn't say chill. I said, I said relax and I shut the door and he was very pissed, which I get that. I get why I was in detention, but like throwing me out. I was looking at the work sheet, for God's sakes. I was working. High school, man. We became boys, though.

When I, before I left my senior year, I had my yearbook and I walked into his classroom. You know what like seniors at the end? It's like, class is still going on for everyone else. They all one cares. Yeah. So I had my yearbook and I was like, yo, you got to sign this. And he's like, I'm in. the middle of the club. I also was like, yeah. I just put it on his desk. And he was cool.

And you guys kissed. Yeah, yeah, yeah. We kissed. And it was a fun time. But anyway, hope you guys learned a lot about finance this episode. Yeah, I guess. We're finance pros. That's the title. A little change of pace. Is nice every now and then. Every now and then you like a little bit of this, a little bit of that. Yeah. You know? It's a good octave that you're at now. I can't do it anymore Yeah, you ruined it It's all right I'm just going to be upset for the rest of the day now

Where can they find you, Frank? Well, there you have it, folks Thank you so much for watching Don't forget to hit the Patreon Patreon.com slash the Basemeyard Also, if you're coming to a live show Go to thebasemeyer.com slash submit Let us know which show you're coming to

and write in some stuff. This portion of the shows that we've had has been so awesome and fun interacting with everyone in the crowd has been really cool and this makes for some funny moments. So keep submitting. It helps for sure. And yeah, that is all. See you guys next time.