The Iced Coffee Hour - Confronting A Tinder Date | How Much Money She Makes

Episode Date: November 30, 2020

Today we're surprising Jack with a blind date and interviewing her about her personal finances and how she invests her money - Enjoy!  Taylor's Socials: Youtube: https://www.youtube.com/channel/UCP0f... Instagram: https://www.instagram.com/taykbell/ Add us on Instagram:  https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Taylor Bell YouTube: https://www.youtube.com/channel/UCP0f... Send any voice submissions to [e-mail]  (10-15 seconds max) can be about anything- and we will respond in the next podcast! Get 2 Free Stocks on Webull when you deposit $100: https://tinyurl.com/yd9slfax Join the 2x weekly mentorship group: https://tinyurl.com/yaexko4o The Equipment used: https://tinyurl.com/y78py5g2 The YouTube Creator Academy:   Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF  For Podcast Inquiries, please contact [e-mail] *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

What's up guys? Welcome to the 27th ever episode of the Ice Coffee Hour. My name's Taylor. So far, the podcast has made $16,087. That's really good. That was the best. I'm always, yeah. That was the best we've heard so far. I'm not going to lie. I practiced it in the car on the way. Did you really? Yeah, I practiced it. Because you guys always have your guests to it. Wow. People are catching on to that. We got to throw you a curve ball now and just like have you say something totally unrelated. This is going well. So anyway, I feel like I have to do a bit of an introduction here. This is a really exciting episode. So, Jack and I have always been joking since pretty much the beginning of the podcast to bring on a Tinder date. And so, yeah, pretty much. No, not quite. But Jack could not get a Tinder day.

I think it's really intimidating to go on Tinder. I couldn't, no. And then invite someone over to someone's house, never having met you before, and then record it all. I think that's too big of a pill to swallow. So instead, we got a subscriber. Yes. Taylor. Found me on YouTube.

Yes. I smashed the like button. There we go. Thank you so much for doing that. and you agree to come on the podcast and be Jack's replacement Tinder date. Yes, happy to be here. So what ends up being perfect for this

is that you have a YouTube channel, you're into personal finance, and you flip things. So explain who you are, your channel, what you do for all the subscribers. Sounds good, yeah, so my name's Taylor Bell. Thank you guys again for having me. Very excited to be here.

Yeah, so I flipped things. I mean, basically, just to give a little rundown, I graduated from college in May, end of May. So then I got home and I was unpacking my suit, I had like four full suitcases of clothes. And I'm not a materialistic person. Most of that stuff came from Goodwill. I've always thrifted my clothes.

And my mom's like, yeah, I'm just at my parents' house right now because my full-time job starts in April 2021. So, yeah, I'm unpacking my clothes. My mom's like, Taylor, you've got to clean your room. And then I start putting a couple shirts away and I'm, I hate it. You know, I don't feel like doing it. And I realize, I could probably sell some of this stuff because I'm never going to wear a lot of it again.

I hadn't even worn it for a few years. It was like Brandy Melville tank tops. You know what I mean? Maybe you don't. I don't know. I don't know. I'm just agreeing. I'm like, yeah, yeah.

Okay. I'm pretty of a little thing tops. But then I literally just to procrastinate, sat on my bed and downloaded the Poshmark app, which I kind of knew more or less was a place where you can buy and sell use clothes. So listed like 10 things that I knew I wasn't going to wear again. Next morning woke up to a full price sale. Someone just like bought one of my things outright. And ever since then I've been hooked.

Like I'm just doing it as a side hustle right now until I start my full time work in New York. But having fun doing it. That's cool. So how much are you making now from doing that? So every month so far, I'm at about $2,200 in sales a month. So, I mean, it's not like a full-time gig by any means, but just has a little hobby where I can actually make some money and have a lot of fun doing it. It's not bad.

How are you acquiring your clothing? Through Goodwill. So at first I started, which sounds, I'll explain. So first, the first month and a half, I sold exclusively things out of my own personal closet, things I knew I wasn't going to wear again. And then I started, you know, I realized I could probably source some stuff at Goodwill. As long as it's not low enough, like, cost a good sold, I could probably make enough where, like, get, you know, some profit on it.

So, went to Goodwill and was careful and checked comps, like, you know, on my phone to see what those items sell for and started sourcing outside of my own closet. And now I flip clothes from, like, buy-sell trade stores, Goodwill, Salvation Army, stuff like that. How do you know what it's going to sell for? I feel like I'd pick something and then just put it up on eBay. Nobody wants it. Something that looks cool, right? Something you think would be cool, but you never know.

Yeah, it comes from, I mean, just experience. I've only, you know, been in it since June. So people who have done this for years have so much experience. But I just kind of realized from selling my own things that, you know, certain brands that sell and then checking comps, like looking through Poshmark, seeing items that have already sold, seeing what they go for. I do that in the store, which is kind of weird, but it is what it is. To see if it's like worth, you know, paying $4 for it or $3 at the thrift store. So it's a lot of trial and error. I'm not saying I know for sure if anything's going to sell, but it's a lot of trial and error. Yeah.

Have you bought things and then just not sold them? Yeah, yeah. So I've taken into account in my model, like my sell-through rate. So I usually sell about 50% of the things that I list within one month. And then within two months, it's about like 75, 80%. So it takes me about 10 minutes to list an item. Like the whole entire, I also model my clothes because I modeled in high school. So that was actually like a easy way to kind of transition and like carry over that creativity aspect, I guess.

And you also, I don't want to like pat myself on the back. But my items do sell for more just because I model them. Like people can get an idea of what it looks like on them, at least from what I can tell in the comps when I look through Poshmark. What was a question again? I forgot. How do you know what's a question? Jack's not paying attention. How do you know what it's going to sell for?

Like if you've ever had something that just doesn't sell? Yeah, mainly checking. Like, comments on Poshmark and just through experience. I get an idea of what we'll sell. So I don't know if you guys find this interesting, but it just comes of a time. We want to know the backstory because then you're going to be going off to what, New York. You have a job lined up. I do.

So what's the job? The job is management consulting. Okay. Yeah. So we'll see. But I'm having a lot of fun with it. And honestly, YouTube. I mean, I like YouTube more than reselling.

That would be. So why do management consulting? Why not just pursue YouTube flipping items? Then you create a course on how to flip items. You'll make millions of dollars doing that. That's what I want to do. I mean, maybe I shouldn't say this on camera. But yeah, I mean, that's what I wanted to ask you is like, I don't know,

because I mean, I'm not 400 subscribers, you know? So it's like I'd have to hit some serious growth in the next five months before, like, feeling comfortable quickly my job. Let's see how many subscribers this would get you. Because I got Jack to drop out of college to do this full time. So if I could then get you to quit your job and do YouTube full-time, like, I'm just going to be destroying careers left and right. Or helping them. I mean, are you happy with your decision?

Yes. Yes, I am. I am. Watching them very closely at his answer here. Yeah. Yeah. Everyone goes subscribe to her YouTube channel. Thank you.

Yeah, of course. And so your plan is to go to New York and to work this job. And ideally, you want the YouTube channel to take off. And to be doing the YouTube channel or do you want to be doing the YouTube channel or do you want to be doing the, the close reselling. I mean, right now, and this is actually, I don't know if you want me to talk about on camera, but like right now I'm very niche within reselling, but I know reselling's not like going to be my career. It's something I enjoy doing, but it's not like, I'm not going to make a full time living off. I mean, maybe I could in theory, but looking at the numbers, but it's

not, I'd rather have like something else to talk about like personal finance and even like lifestyle and vlog and stuff like that. That would be really cool to have a YouTube channel on, but yeah. Okay. The question that Jack and I want to know, how many credit cards do you have, What's your credit score? You'd be a real, I can show you right now. My credit score is good. It's almost 800. I got one at 16.

Wow. That's better than my credit score. What's yours? 700, maybe, maybe less. No, it's higher than 700. 500's good. No, I think it's like less than 700. Why?

Because you made me get the back-to-back credit cards. Oh, I did. He made me get two credit cards in a row. He loves the credit card. Yeah, and it made my score go down like one point. I was like, oh, okay, that's not bad. Two weeks later, and beliterated. Yeah, there's a lot of factors, though.

It's weird. Sometimes mine will drop like, what, 10, 15 points and then go right back up the next month. I don't, I didn't do anything within that time, except, you know, the usual. So I don't know. You know better than I do. Well, Jack is doing the churning. Well, a little bit. Which cards do you get?

I just got the city double cash. Okay, that's a $200 bonus. That's another $200 bonus. You get $400, basically, for free. No, the double cash isn't a... Oh, sorry. No, yeah, yeah, yeah, Chase Freedom Flex, right. But the thing is, my credit score wasn't going anywhere anyways.

So, like, it had kind of fluctuated between $7.20 and, like, 730 or probably, or probably six months. I don't know why. Don't get there. What's yours? Yeah. 765 I think was the last one. You know the highest credit score. You do. Yeah, well, mine's down there. Almost eight. It's yeah, the highest I saw was like 880, 780s, something like that. Yeah, the highest I got mine was 8.01. I was super happy about that. And then I made a video immediately afterwards. Like how to get an 800 credit score for $0.00. And then it went down. It went down. But it was 801 for like three days,

four days long enough for me to get a video out and get a screenshot of it for that video. But yeah. You also have to try the 20 cent iced coffee. This is your real reaction here. By the way, it might be a little strong and running low on coffee creamers, so I had to spare it. It's good. It is strong. Really?

You like your coffee strong. Right. I like my kind of weak. Okay. I'm not proud to say. I like it though. Okay. Good.

That was the right answer. Yeah. Yeah. What is it? Terrible. It's awful. It's awful. I hate it.

No, I do like it. And it's smooth because I can appreciate it. I appreciate strong coffee as long as it's smooth. Is this your coffee brand coffee or is this? No. So I, fun fact of the day, I think I mentioned this briefly in the other one, but I'm going to be starting up a coffee company.

I can't mention the name. I can't mention too much about it. Expect that probably by the end of December, I think that's when we're trying to launch it. I'll make a whole video about it. I started a coffee company something crazy. But eventually I'll get a video out on that. We'll see how it does. It's just, just for fun. We'll see I'm not making any money on this in the

very beginning. We're just going to see how it goes. Very on brand for you. Yeah. So I figured to give it a shot. Should we take the test? Oh, yeah. So I got this test. So we're going to be putting you through the ringer here.

Okay. So we got this test and we'll just put this up. Hold on I want to make sure. Yeah, yeah. I want to make sure that everything's recorded. And then Jack, you'll just throw this up on the screen. Oh, yeah. Okay.

So yeah, so less than 3% of Americans can pass the six question money quits. So I want to make sure that whoever we have on the podcast can pass this quiz. Okay. So we've got the first one. So the first question is, what are the three major credit bureaus? Capital One, Bank of America and J.P. Morgan. Deloite, KPMG, and Ernst & Young.

Bannie Mae, Freddie Mac and Sally Mae. Fico, Moody's and Fitch, TransUnion, Equifax, and Experience, or Visa, MasterCard and American Express. You both should know this. I will actually be disappointed if you don't get this one right. Wait, wait, don't say anything. Taylor, you're first. Okay, credit bureaus.

giving the credit, not the credit score, but the score, the A plus or whatever, right? I can't say anything. So that's, I know Moody's. D. Can I give my answer? Unless I'm thinking of something different, like credit bureau. Can I just, you just got to say final answer. You can't say C or D.

It's which one. You got to pick one and then say final answer. All right. D, final answer. Okay, I was going to say E. Oh. But then Graham said you got to pick C or D. No, I don't.

I said. I said, you have to pick Cud. Yeah, I know. So that made me think like, I mean, there would be no point in her in telling her that if they're both wrong. What do you mean? There would be no point in telling her she has to pick one of two wrong. So I'm thinking maybe one of those has to be right.

Why? She said it could be C or D. That logic makes sense, doesn't it? No, because I said it's either C or D. And Graham's like, you have to pick one C or D. Okay, it's E. Final answer. Yes.

We should put the cool music in the background. Is it E? The millionaire music who wants to be a millionaire? I'm like 90% sure it's E. And I'm starting to sweat. You got to lock it in. Yeah, lock it. It's E, isn't it?

It's E. Okay, cool. Nice job. All right, so can we define credit bureau? I don't know the specifics here. Yeah, so that's the credit bureau. Like when you run your credit, you have an experience score, a trans union score, or an Equifax score.

So that is what this is referring to, is the major credit bureaus. Got it. I thought it was giving a rating. You know what I mean? Yeah, yeah, for like the bonds or whatever. Yeah, totally off topic. So there we go. Okay, so Jack, you're up one.

All right, there we go. It's not looking so good. No. Okay, so the next one. Next one is true or false a 401k refers to a tax credit for retirement. I'm going to wait till Jackie. Oh, no. Do you have any idea?

No, I don't know like the specifics, you know. My money is just like an index fund. I don't know. Okay. Are you familiar with what a 401k is? Yeah. Okay. So,

more or less. So think of what it is and what it does and then work backwards. Is it a tax credit? Is it a tax credit like a deduction? That's what is it. True or false? A 401K refers to a tax credit. refers to a tax credit for retirement.

Yes. Final answer. True. That means deduction, right? No, tax credit. Is it a tax credit? True or false? Yes.

Final answer, yes. I'm going to say false just to be different. I don't know. But you don't know. No, no. You got a 50-50 chance. You're just saying like, I don't know what it is,

but I'm just going to go off. What is it? False. False, final answer. True. No. No. It's false.

You said, we're cutting that out. We're cutting that out. I should not be. You know what? The crazy thing is when I was first doing this, I made a whole video, believe it or not, on this whole thing. And I took the test myself. This was very confusing the way it's worded because you think a 401K, you get a tax right off. So you think, oh, I'm getting a credit.

But no, 51% of people answer this correctly. Isn't the tax credit different than a deduction, though? Correct. So a credit would just be like actual money to your account, but a deduction lowers your income? Correct. That's exactly what? I knew that. But you said true.

I knew that. But you say a 401k refers to a tax credit for retirement, which is, false. It's not a tax credit. You're able to take a deduction. Right now we're tied. Technically. Technically, we're tied. Realistically, you got lucky on that one, but at least you're upfront about that. So that's false. I knew that. I knew that. And guys, play along in the comment section. Like, do this too, and you could post your answers. Interesting stuff. Okay. Next. Of the following, what best describes what APY is? Adjusted prices for inflation. Annual rate

charged for borrowing or earned by an investment, annual rate of return accounting for compounding interest, annualized principal payment amounts, annuity payout per year, automated payment. What's APY? Geez, I don't know. Is it annuity payout per year? It matches the acronym. You just got to say final answer. Final answer E.

Okay. Now, let me say what my thought process is on this. It is not adjusted prices for inflation. It could be B because it's both being like borrowed and earned. Like in credit cards you use like APY but also in like banks for your interest rate. You could use APY. But APY is also including like the compounding interest. So it makes me think of C.

I'm going to say it's between B and C. C final answer. Nice. Okay, cool. Okay. Nice. Why is it not B? So APR is what you pay when you borrow money.

Like you see, like you could borrow money at 5% APR. Savings accounts pay APY. Right. Like imagine APY. So that's compounding interest. I thought APY was also using credit cards. Isn't that AP? I think it's APR.

Oh, is it? Yeah. Right? That's what I'm saying. I'm used to hear. Not that I know, wait, wait, wait, wait. APR is what you always hear. Credit card.

Let's, let's, I think. I think it's, I'll pick this one. This is the most educational podcast that we've had so far. Yeah. I'm not gonna, you, everyone's gonna think I'm down now. I just have, I can say where my money, what my money's in. I don't have. These are very difficult questions.

You think? I don't know, you've got them right. Yeah. Oh, it's APR. See? Yeah. Okay, there we go. See, I've got it wrong.

Okay. So what, so what's the, so you got two. Two to one. All right, okay. True or false. Income does not impact your credit score. Do I say it first or does she? I mean, I would say true as long as you're paying off your bills on time and things like that.

I wouldn't imagine your income to affect it. I mean, you can have a bigger line of credit and things, but does that affect your credit score? I don't think so, as long as you're being responsible. Having more credit will affect your income because it will lower utilization. But at the same time, like directly, income does not affect your credit score. However, having more income can give you means to borrow in different ways, like a car loan or like a home loan. I'm going to say true. It does not affect your credit score.

Yeah, yeah. And you say true. Yeah, true. Okay. Fine answer? True. The crazy thing is that only 40% of respondents actually answered that correctly. 40%?

Only 40. That means 60% of people got this. They don't watch my videos, which is the crazy thing. So 60% of people got this wrong. Now, in my video, I was talking about the same thing as you. The more income you make, the higher lines of credit you could get, which lowers your utilization. Like in a way it kind of does, but there you go. So what's the, what's the score now?

Three to two. Three to one. No, you got, no, sorry. Three to two. I'm giving myself too much credit. All right. Well, yeah. Okay.

So now this is your chance. Okay. What does a CD offered by a bank stand for? You should know this one. Capital deferment, certificate of deposit, collateral default, collateralized discounts, commodity dividend, credit dividend. Okay. Take your time.

Accuracy is important. I, yeah, yeah, I know. Sorry to put you on the spot like this. Take as much time as you need. I mean, is it a certificate of deposit? Correct. I mean, that's what I'm going to say, yeah. You don't give it away.

Well, she was going to say it. No, she wasn't. You were asking. You were not going to go back on that. She's like, yeah, totally. I understand. Yeah, yeah. All right.

There we go. So obviously it's B. Okay. And then let's see. I'm so sure of that. Okay. So now we're four to three. Okay. Okay. What's the difference between a savings account and a checking account? Select all that apply.

I hated this question. Just so you know, so if you both get this one wrong. I can already tell I'm going to hate this question. Yeah, it's going to be like A and B and B and B and B. It's going to be very vague things. I hated this one. Just so you know, it's hard to get right. So I won't put it past you if you guys both get this wrong. So we got A, only savings accounts earn interest. A savings account can't be used for automatic bill pay. Only checking accounts have overdraft fees. You could only transfer money from checking accounts to savings. Checking accounts are designed for regular use. Savings accounts are designed for investing long term. Yeah, I already hate this question.

So you have to pick any that apply. You guys can work on this one together. How is that? Because I hated this question. You guys work it out amongst yourselves and then you come up with a joint answer. Okay, A is false. Okay, yeah. Yeah, that makes, yeah.

Okay, so we're going false with A. Okay. For B, a savings account cannot be used for automatic bill pay. I'm going to say false. I would say false too. It can be used for automatic bill pay. Only checking accounts have overdraft fees. I'm going to say false as well because that just doesn't make sense.

Doesn't sound right. And you can only transfer money from checking accounts to savings. Clearly that's false. That's the one I knew right off the bat. Right. Well, how could you spend money if you could only have it sitting in your savings? Checking accounts are designed for regular use. What would you say on this one?

I mean, I don't know. It depends like what regular use is. I'm going to say true. I'm going to say true. Okay. Because why would, if I say, if I say, switch up the question and I say checking accounts are not designed for regular use, that doesn't make sense. Yeah. Right? So I'm going to say true on that one. And then saving accounts are

designed for investing long term. False. Yeah. So I guess easy only one that makes sense. Do you guys agree? You agree to. Yeah, that I do. When Jack was, you know, when you were going through it, it made a lot of sense. Okay. All right. Let's do agree. Fine answer. Yes, Graham. Final answer. Locking We just Philbin right now. Okay. Let's see. Let's see how we did. All right. I think we got 100%. E and F. What? This is where I got it wrong.

Now remember, I said E. And then they say are designed for investing a long term. That's the biggest BS I've ever seen. Their version of investing is like you're putting money away. It's supposed to be a savings. It's not investing. Saving is different from investing clearly. So I'll give you both that one.

So five to four. Cool. Okay. Five to four. Congratulations. You did well. You eloquently went through that. Thank you for the help.

Yeah, of course. Of course. Anytime. Oh, that was it? Yeah, there's another one, but we'll wait. Okay. Well, wait. I think we want to know a little bit more about your own personal finances.

We're going to do a little millennial money here. You don't have to get it. No, I'd actually, after that, because they're going to think I don't know what I'm talking. Which, in a lot of cases, I don't. I wish I had a more, like, nuanced view with finance and personal investing in things. I've just had, I got my first credit card at 16 because I made money in high school. From there, had, like, very little, very low expenses. Like, nothing came my parents, you know, helped me out.

So where would you say you waste money? I don't yet. My expenses right now are just. like rock bottom because I'm with my parents right now yeah yeah um yeah I don't I don't waste I mean Starbucks every now and then yeah like for the pumpkin stuff what about you jack where do I waste money where you waste money okay I'm not gonna lie I waste money on food that's where I waste my money 100% yeah I go out I treat myself if I have a hard week you know or if I have a hard day during the week I usually treat myself to some fast food it's pretty bad fast food's hardly

wastey money though I don't know I mean compared to cooking I have like like mook bongs by myself in my room that's like no that's like when you go out and just like get a ton of food

oh I thought it was yeah I always thought it was muckbang I thought it was muckbang too yeah I thought muckbang was just when you eat in front of a camera oh I thought it was called it pronounced mookbong I don't know

but I also thought it was muck bang I thought it was muck bang I thought it was muck bang what an ugly word by the way I know I thought it was just when you eat a whole bunch of of food in front of a camera. That's what I thought it was, but I could be totally... I don't do it in front of a camera. I just do it by myself. You can argue which one is worse.

But I eat a bunch of food by myself and I do that once a week about. Okay. Yeah, I'm trying to stop. What are your thoughts on that? Do you think that's like wasting money, like going to fast food once a week? I used to do that. That used to be my reward. After like a long day of work, it was going and getting two double cheeseburgers from McDonald's. Okay. And that it is. You got four? And a large fry. Nice. Jack introduced me to what's called the McDonough. I kid you not, it's when you take the chicken sandwich. You explain it. Is it actually called that?

Yes. You look it up online and I kid you not on Google. You type that in and that's what comes up. So I eat two of these and a large fry usually once a week. I haven't done it this week and I don't intend on doing it this week. And what you do is you get a chicken sandwich, a McChicken, and you get a McDouble and you pull apart the McDouble at the meat and you put the entire McChicken inside of the McDouble and then you just close it.

And then that's that. And you eat it. It's called a McGillard. Yeah. I tried it. I didn't like the texture of the chicken with the beef. Yeah. Aside from wasting money on food, I don't think I'm wasting money on anything.

And you don't waste money at all? Well, no. I mean, Chick-fil-A, I get a lot of Chick-fil-A. But I love it. So I really don't, I don't know. It's expensive for like fast food. It's definitely on the price of your side. And maybe when I'm like out on my own, I'll be wasting money on something.

I mean, you know, with friends and at school and stuff, I'd go out and, you know, you get a drink and stuff like that. And that does cost money. So I guess that's wasting, but I'm not going to bring a little, like, flask in my purse. I used to, I used to do that. Graham loves. I did it, water bottle. He loves.

I seriously used to bring in. Yeah, I refused to spend any money on drinks. I would say from 21 to maybe 24. Yeah. Never going to buy a drink, ever. Yeah. I mean, I do bring it when I can, but I mean, I don't know. My purse is little.

I don't like fit. I don't know. Maybe I should try that. I'm not going to lie. Like, I don't think I'm incredibly frugal. And I'm sorry if this disappoints you, Graham. I really don't think I am. And I'm not going to act like I'm very frugal.

I think that what it is is I just don't have very many opportunities to spend money. Yeah. And I think that I don't care about a lot of things to actually go and spend money. It's not that like I'm scared of spending money or it makes me uncomfortable. But I just like, I don't want a lot of stuff. There isn't much that I want. Therefore, I don't really go out of my way to like spend money on it because that takes time. You know what Jack really wants a Tesla?

That's what he keeps talking about. Okay. Oh. For $78 a month. You wanted money. You wanted money. And you told me you were going to tell me later. Is that a bad, bad time?

No, it's okay. It's bad time for you on the spot. I texted grammar lately. I'll show the messages up here. I need a forward payment of $6,000. Jack wants $6,000. Off my next check. He wants an advance.

I'm like, what for? What do you need? Off my next check. Because I just paid him. You pay him well. So, yeah. So where do the money go? Because he doesn't spend money.

He doesn't pay me incredibly. You don't get anyone here thinking I can pay it super well, okay. You, I'm just saying. I'm just saying, man. It's a decent. Talk to a lot of people, man. It's a decent amount. Yeah, so I needed a forward payment or an advanced payment of $6,000.

It sounds sketchy. It sounds really sketchy, and Graham just texted me back. He's like, oh, my God, what do you need that for? What do you need $6,000 for? And it's because I was trading some options this morning. You lost money. Hold on. Let me get some water before I experienced.

Are you not eight for eight anymore? Are you like? Oh, no. 20 for 20. You're at 20. Oh, the last video I watched is at 8 for 8. Which video is at? That was the Shelby Church.

Oh, wait. That was a while ago. Do you watch all of them consecutively or are you like trying to pick up from? I've watched most of them. Really? Yeah. Wow. Preparing for this.

Okay. And also, I mean, I'd seen a couple. But then when you ask me on, I'm like, okay, I have to just like see how much they're going to like grill me on finance stuff. Well, Shelby, we grilled a little bit more because like I've known Shelby beforehand. So it's a little bit easier with someone you kind of know. Yeah. And you could like hit them a little harder.

with a straight. Sometimes you don't know exactly how far to push with this stranger and how much I could grill without being weird or rude. No. I mean, people know what to expect when you come on. Well, right. I don't know. So let's see if we know what to expect with this. I think there's no way Jack lost money.

I don't think Jack lost money. I think there's an investment that he wants to put extra money and that's what I think, I think there's some investment opportunity. Okay, let's stop there for a second. Why do you think there's no way? Yeah, what do you think it is? Do you have any idea? Well, you said he wanted a Tesla. I don't think it's for a Tesla. No, it's not for a Tesla. I thought for a moment, it was, I thought honestly for a moment it was a Tesla because we're getting towards the end of the year.

And I thought maybe the accountant really wants Jack to get a tax right off. So I don't think it's that. That's next year. Are you looking into real estate, like down payment? I wish I could use $6,000 for a down payment on a house. No, it's not for that. God, I don't know. It has to do with options trading.

Oh. What did you, wait, wait, wait, hold on. Patagonia? How do you go any of clothes? $6,000. I mean, it gave you like five things. No, absolutely. I love that.

I'm wearing Patagonia tonight too. That's true. It's good stuff. It is good stuff. What was your... Pokemon cards. I thought maybe you found a good... $6,000, Graham?

There was an... I don't want to say what it is. Just because I don't want people to buy... Well, if I don't buy it by now, there's an uncut sheet of Pokemon cards that I was like, you're kidding. Yeah. Graham... It was that price.

I don't understand you sometimes, man. You want me to spend my money on novelty items. He wants me to buy a Rolex. Okay. Well, they appreciate it. They do. Okay. I said a Rolex Submariner.

No. Doing well this year. Whoa. This is new, isn't it? No, this is the only one. That's his original. You did get a new one. Someone saw in the comments.

Anyway, go ahead. Sorry. But Graham wants me to buy some things that are novelties. I want a Tesla. I don't think that's a novelty. I think that has utility. I think it's exactly. Obviously, one could argue a watch does, but not for the value of the watch.

Perhaps not. Exactly. So it is not Pokemon cards. It is not a Tesla. It's not real estate. It has to do with options trading. Okay. Okay.

And basically what happened was recently. Recently, I've been buying Tesla calls. Okay. And you know in options trading, selling calls is like the safe thing, right? It's where, obviously, if it's covered, if it's a covered call, it's going to be very safe. But I've been buying calls, which is the inverse, where you're risking a lot of money. And I started doing that with Tesla a while ago. And I know what you guys are thinking, that trade options.

You guys are thinking that I went off my rocker. Okay. Well, I did it. And in one day, I made like $480 off of $2,000. on Tesla. So I turned a pretty healthy profit right there. And then on top of that, I decided to continue doing that. And I've been trading Tesla call options. I've been buying them and trading the volatility on them. It's like all day trades. So in the morning, I'll buy a Tesla call. I'll wait for it to go up a little bit and then I'll sell it. And then it'll go back down and I'll wait and

I'll buy it. And then it'll go back up and I'll sell it again. And I've been doing it. Your taxes are going to be crazy when it comes to. You're going to have to do some insane calculations on that. Robin Hood's just going to send me a thing. Send you a thing. Yeah, they just send me a thing. They're like, this is how much money you made. It's going to end in like seven zeros.

All right. But basically what happened was I was doing that and I maxed out my trade limit on Robin Hood. Gotcha. So now I'm a pattern day trader on Robin Hood. Yeah. Trading short-term Tesla call options, just the volatility. A horrible idea for anyone, right? Like a terrible idea.

But I'm now a pattern day trader and I need $25,000 in my Robin Hood account to be able to continue doing that. So now I'm addicted. I just need a little bit more money, man. I just need a little bit more to fight my... I'm nervous about this. I need some money, man. Get me back on my feet. I'm nervous about this because sure you're making money now,

but Tesla has been going up over the last week. It's okay. It's okay, man. What if it goes down? That could just as easily, just Tesla especially, just down 8% in a day. You're right. And you're out.

Thousands of dollars if that happens. You're very, very right. Are you familiar with options trading? I mean, I've heard Jack talk about it. Okay. Yeah, otherwise. You've heard me give my horrible explanation on that podcast. Did you see the video of Jack teaching Macy how to

trade options? You didn't watch that video. Okay. Which one? That was a podcast. That was a podcast episode. Which one was that? Six, seven? No, that was way after that. That was like 14th. Okay. Oh, I remember the thumbnail. I know what you're talking Oh, yeah, yeah, yeah. Options expert teaches by options. I mean, you've done like five options.

Dude, I've done so many. I've done like 40 now. I've done so many now. Yeah, I did like seven Gondrax today with Tesla. Oh, man. But it was bad, dude. I'll give you the money. It was... Oh, really? Nice. He used to feel my addiction.

Yeah, because we have our payments structured. We're basically at the end of the month. I wait until I get paid. When I get paid, I pay track. So the money's already there. It's just I have not gotten paid yet. So I'll advance that to you. You'll get it.

So you're not a pattern day trader. Thank you. Well, technically, I think I still am, but I'm just allowed to do it now. Right. Okay. But it was very risky. Like, this morning, I got... It is crazy, the rush that you feel.

Yeah. Okay. I can imagine. When you're turning a quick profit like that, I'm sure that you feel the same. I do. I do. Like, an item in Goodwill that you're very excited about.

And you're like, oh my gosh. Like I could sell this for way more. Yeah. Or making the sale actually is where I get the dopamine rush. Yeah. Exactly. Same thing. Yeah.

Do you do on Shopify? No. Poshmark McCarrey, eBay, trade Z. Yeah. But you definitely get like a rush of adrenaline when you have the options open. Obviously, a lot of regret, a lot of the time. And that's basically it. As soon as it goes in the green, you're like, I'm good.

And you feel uplifted. And it's an emotional roller coaster. And I need that kind of like stimulation. It's kind of like gambling, though. It is the exact same as gambling. What options do you buy? What expiry, like a week from now? I was doing November 27th.

So that is a couple weeks. A couple weeks. Yeah. And I was doing $412.50 on Tesla. And I was just familiarizing myself with the action of like the stock and how it was kind of fluctuating between two values. And I would just buy the call at the bottom. Obviously, I'm very highly leveraged.

So like if it goes up like 30 cents, I'm making like $50. And then I would just buy at the bottom. and I'd sell at the top. And there were a couple times. I'm not going to lie. Can't possibly go wrong. I'm not going to lie. So after I initially sold my first contract this morning at 6.30 in the morning,

I, like, the stock went down and then it kind of started going up. And I was like, okay, maybe I could buy on its upswing. So I bought immediately it plummeted. And I was like, yikes. Like, I'm going to get obliterated. And I'm going to lose. And it was down like $200. And I was like, well, there goes all my profits from this morning.

And then it started going down even more. I was like, okay, I'm done with options trading. No more high volatility, like Tesla short-term call options, and it started going up again. And I was like, oh my gosh, what's happening? And it went in the green, and I sold it and I made like a $10 profit. $10 profit. Accounting for the $200 loss. No, no, no, no, because I never locked that in.

It just kind of started going back out. It's only a loss if you sell it. Exactly. You didn't lose money until you sell it. Well, I got so much of a rush from making that $10 profit that I was like, I'm going to do it again. So it started going to go. going down and I was like okay I'm gonna do it again. And then I bought it again and it started plummeting again.

And I was down like $150 again. I'm like what am I doing? I'm just shooting myself on the foot. And then it started going up again. And it started going back up and I was like okay. And then I sold $10 profit. Nice, another $10 profit. Oh sorry, it should be working.

You should be getting videos editing and getting ahead in the channel. Okay, this is 630 to 7. You make it sound like it was an all day thing. Yeah, it sounds like an all day thing. It's exhausting. Your motion. Yeah, it's exhausting.

roller coaster. But I made a, it was a, I'm sorry, it was the first one was a $10. The second one was a $5. Because at that point I was like, I can't exit in the red, but this thing's going down, it's going south. So I'm just going to try to turn as little of a profit as I can, at least making a profit. And I made $5. And then I put my phone away. And I was like, I'm done. Okay, I'm done. Two hours later, I'm editing. Okay. And I start seeing my hand kind of like with a mind of its own reaching for my phone. I'm like, oh, what is what is going on over here? Grab my phone, open it up oh look there's robin hood tesla call options and uh i bought another call option and i immediately sold for like 45 dollars profit and then i was like this is awesome and then i did it again

and i immediately sold for like 45 dollars profit nice what do you think of this i mean that took me for a ride just now i have to say it's like 300 no it's like 200 and some dollars today sounds like gambling yeah a gambler would say the same thing yeah is this something you would ever do it no would you ever be You wouldn't be interested in learning how to do this. I mean, I listen to Jack, talk about, I mean, yeah, I just have my money in an index fund. That's pretty much investment wise. And, you know, I'm not a trader. I just think it's risky.

Yeah. That's all. And I just want everyone that's listening to know, if you've made it this far, don't do what I'm doing. 100% do not do what I'm doing. This is money. I am totally okay with, like, losing. And I'm not going to lose all $25,000. It's in my Robin Hood account.

No way. I'm just going to be trading one contract. As soon as one goes south, obviously I'm, I'm, probably. So what's the most you could lose? One contract. So a contract would just be worthless. And the contracts I'm trading are between like $1,800 and $2,000. So worst case, you lose like $2,000.

Yeah. Worst case. But on Tesla call options, I've already made like $650. So you'd only be down $1,400 if you lost it off. Yeah, but it's like, it's unlikely I'll lose it all. If anything, I'll probably lose like $700. All right. Taylor, what other questions do you have for Jack? What do you want to know about Jack? What do I want to know about Jack?

Yeah. Where are you from? Ventura. Okay. That explains the Patagon. This is not Patagonia. That is. Oh. I know. I keep looking at God.

That makes, okay, yeah, Ventura. I like Ventura. I used to go to Rencon Beach a lot. You know the one? The rocks. Oh, never mind then. Oh, Ringcon. Oh, Ringcon.

Oh, Ringcon. Yeah, of course. Ringcon. Amazing, world-renowned surf. Really? Cool. What about Patagonia and Ventura? It's the headquarters in Ventura.

Oh, really? Oh, really? Yeah. I did not. Yeah. It's been one of the big employers in Ventura. It's pretty crazy. And also, if you're in Ventura,

it's like very, very normal. to be wearing Patagonia clothing. It's where he started, Yvanchunar, the founder, like, started making, like, in his garage the, the climbing gear by hand. Huh.

And then, yeah, and then he founded Black Diamond to help finance Patagonia. Why didn't you get into fashion? I am not a fashionable person. I don't, like, I personally don't love fashion. But you sell clothes.

I do. Yeah. And you know a lot about fashion. Yeah, I guess I do. I don't know. It's not a passion of mine. I just understand it, I guess. Yeah.

No, it's a fair question. I ask myself the same thing. But, yeah. What else do we have to discuss? Jack, you got to ask some questions here. Ask Taylor some questions. Yeah, I can talk about fun stuff. Traveling.

You like traveling? Yes. I've had free travel since I was born, so I've taken advantage of it. And what has been the best and the worst place you've been to? Love that question. Best, I mean, well, I will say this. Even though I've had free travel, my parents wanted me to see, like, the U.S. first before doing international travel when I was a little bit older, like when I could actually appreciate it.

So we went in an RV like ever since I was in first grade and every single summer for three months until I was older and had like, you know, responsibilities and stuff. We would drive across the country. So I'd been to all 50 states by the time I was 17. That's something I've always wanted to do. You should. One day, I want to do van life. You should. Macy and I could just go in a van from state to state to say at some point.

We always like like an old couple in their 60s like the guy is an RV just driving it around. It really is. I want to do that one day. But you should. I mean, yeah. The U.S. is underrated. I mean, my favorite state and besides California has everything, but like the Utah National Parks are like, you know, Bryce Canyon, Zion, all that.

Zion's crazy. Zion's beautiful. You've been? I've never been. It's awesome. But yeah, U.S. travel. So I did all 50 states. And then favorite, but you said best and worse.

So best outside the U.S. is probably, I don't know, Germany, Austria, like the countryside. I absolutely love. I took a trip to like the Alps in Austria and a place called Pielstein. Peelstein. I don't know how to pronounce it in German, but beautiful, like beautiful. Did some climbing there. And then worst, because I fly stamp. So I get free flights, but that means I fly standby. So I get bumped from flights a lot, like a lot. So I got stuck in El Salvador for three days, which was not the best experience. Pretty sketchy. Why? Because like we were trying to go to Peru to go to Machu Picchu, do all that. But just the flights were full. Like paying customers get priority

override over me. But is the worst? Well, we couldn't get spru We came right back to L.A. So yeah, I mean, it was We were in the airport Like, that's where we slept But we figured we'd get a hotel Like the best hotel we could find nearby

So we drove out like 20 minutes from the airport Like it was my first like third world country experience So it was fine But I mean like dead dogs in the road And then we got to this is all true by the way And it got to the hotel And the doormand literally had a rifle like slung Slinged on his shoulder

It was just in a pretty yeah It was a weird experience And so then we just went back to the airport and slept there. So, yeah, just being stuck there in the airport in El Salvador for a couple days. Jesus, yeah. Yeah. That sounds like. It's a story.

Graham's Detroit story. Did you have? Oh, wow. Yeah, but I told it. I've told it before. I don't know if people want me to tell it again. I basically, how much time do they have recorded? Oh, could you turn these off and on really quick?

Yeah. Before I tell my Detroit story, it'll be, I'll make it quick. Graham loves Detroit. Yeah, so Detroit, we were going there. What was it? What did I go for? Matt, the Canadian real estate guy. No, I don't think it was.

That was, wasn't it? My memory has been getting so bad. Yeah, I was with Kevin. I don't remember. Matt McKeever. It was like on your way to Canada or something. No. My memory has gotten so bad.

I've been honestly forgetting a lot of stuff lately. I don't know what I, like, last week. I don't know the last month. Like, nothing anymore. I don't remember why I went to Detroit. Went to Detroit with me, Kevin. Weekend vacation. That's where you go.

Yeah, I forget what it was. Look at real estate or something. Yeah. But, oh, now I remember. It was to confront the guy from millennial money. What? It was that? Yes.

That was why I went to Detroit. Oh. Yeah. That was why. Alex Pardot. Alex Pardot. So I made a video on Alex Pardot, and then he got back to me. And it was the first ever millennial money episode.

That one just blew up. And I was like, wow, I'm going to go and, like, meet him now and confront him in person. So Kevin and I flew to Detroit together. and I just picked the cheapest place to stay because I wanted to save money and look at an Airbnb. I'm like, wow, all these places are like $3,400 a night,

but this one is like $70 tonight so I'm going to stay in that one. It looked good. I don't know the area or anything like that, so I book it. And then as we get in the taxi, he's like, what's the address? And we give him the address.

He's like, you're staying there? And I said, yeah, yeah. Oh, do you know anybody there? And I'm like, no, it's an Airbnb. It's like, oh, we typically don't, people don't stay in that area. I'm like, is it bad? He's like, well, what did you say?

Well, Detroit's, it's Detroit. What is it like, Detroit's Detroit? The taxi driver's service. Yeah, and I'm like, what do you mean? Detroit's Detroit. Is it bad? He's like, well, it's Detroit. And I was like, what does that mean?

So anyway, we get to this place. And yeah, it's like, he's like, you don't want to be walking around at night. The food is over here, but you don't want to go there. So just to stay in here and during the daylight, it's fine. So anyway, we're getting hungry at like 11 p.m. Or it's like midnight. We're hungry. We want to just go down the street.

to McDonald's. So we figured we'd just get an Uber there. Go to McDonald's. Uber guy shows up. And I'm just like chatting away. He's asking like, so what are you doing here? I'm like, oh, we're here to look at real estate. And we make YouTube videos. And he started asking all these like personal questions about like, oh, what time are you going to be going there? Oh, well, if you need me to drive you around, let me know. Like, I'll just drive you. I want to learn about this stuff. So I'm just taking him for his word that this is a guy who's just like curious in a real estate telling him all about the YouTube channels and like how we might go and like invest in estate over there. How many people are there when we're going to be gone, when we're going to be

back? And Kevin, I guess the entire time was like, Graham, don't tell him, but I was friendly. I just trusted the guy. So then Kevin got me all sketched out. As we got back, he's like, dude, this Uber driver knows when we're going to be gone. He knows how many people are here. He knows everything about us. He knows our camera equipment, like everything. He could easily pick us up and then tell one of his buddies like, hey, they're gone. Go steal their stuff. Or they could just show up and just like, take our stuff. I didn't think so. But then We got back. It was like 1.30 in the morning, 2 o'clock in the morning. We're about to go to bed.

And this car just pulls up right in front of the place that lights turned off. And Kevin is like, this car just pulled up. The people in the car right now. And you just see the cigarette light up too. Like that little like orange thing. And we're all looking through the thing, just peering out all scared. And Kevin's got me in my head now. Like, wait a second.

Maybe something's about to go down. Then the car just leaves. But it comes back like five minutes later. Still with the lights turned off. So they're like, why did this car leave? why did it park in the same spot right out front at 2 o'clock in the morning. So I go on Instagram, I'm like, hey, can anybody like pick us up?

Within minutes, we get somebody to come and pick us up from the place. We leave go stay at a hotel. I think it would have been harmless, but they got me in my head. Detroit's Detroit. Detroit. That was like, I've never heard that before. I'm like... Who says that? Taxi driver. Taxi driver. But I didn't know.

I didn't know. But going through Detroit, definitely. Like, some of these areas are just... I've never been exposed to that sort of It's just environment before. Not like that. Like you're driving down some of these fields. And the guy who was giving us a tour, this was a subscriber.

And he was saying, yeah, no, they find bodies in here. Like every week, you'll, like, these people mow,

oh, the reason they keep the grass short is because they will hide bodies in there. And when the grass gets too tall, it becomes very easy to get somebody in there and just, they'll go weeks. I had no idea to trace that.

Yeah. Oh, yeah. And even the real estate agent, we're saying that like someone recently, passed away because they were trying to evict somebody from a property and they were shot. And just point blank, they didn't want to leave. It was like a trespasser. So, yeah, I'd never been exposed to that before. Did you invest? No. No. No. No. Uh-uh. Interesting. Interesting real estate there.

Some of the areas were really nice. Some of the other areas were just these mansions. Like, honestly, they're mansions that you couldn't even give away at this price. Like $15,000 for like a 4,000 square foot mansion. that was just in disrepair. Like all the copper plumbing was stolen from the property. The whole thing was boarded up. I mean, it was not fit for habitation at all.

Oh, and then as we were there, and you could pull up footage from this from Kevin's video, I'm sure he was fine with it. Someone was going house to house, just burning them. And so we just happened randomly to be driving by, yes. Watch Kevin's video on this

and put up the B-roll on this. We were driving by, one of these neighborhoods, and then we just look over it, and there's a house just engulfed in flames. and so we pull over just wanting to see this thing and as this home is burning down the home like I don't know 100 feet away starts going up in flames too

now these are empty homes so these are not homes that people were living in was he like an arsonist potentially so we think it may have been like an investor somebody's own these properties just going in and like burning them down for tax money but then as Kevin is talking with the locals they say oh yeah this is common people are bored

people are bored and so what they do is they light these fires in these houses, they just watch them burn. And as the fire trucks come and put them out, this guy was saying, who lives in the area, was like, this happens all the time. And usually whoever does this, this goes and watches. Like the light these homes and fire. And he lit three homes on fire, three of them within a little radius.

And then allegedly, this person is one of the people in the crowd just watching. That's like, that's their entertainment. That's Detroit. Yeah. Sounds like eight mile. Yeah. Have you seen eight mile? A long time ago, I remember.

But yeah, apparently that's what they would do. And these are boarded up homes, so no one's living in them. These homes are probably homes that would have been torn down anyway. But they just light them up. Oh, yeah, no, no, they would have been torn down. Yeah. I mean, you see some of these that are half collapsed. I mean, there's no way that you're rebuilding this house.

That's like actually crazy, though. Yeah, that is. That doesn't sound real. It doesn't sound like it's America. Yeah. Yeah, it's just different. And then, oh, what was the other one? We were told a story about someone parked a car in front.

of like just in front of the house on the street like a public street parked the car in front of someone's house and when they came back the guy was demanding like 50 bucks for parking in front of the house otherwise like he was going to public street yeah a public street yeah seriously and you just parked in front of the house and the guy wanted money for that and he was saying well if you don't pay me then you get the neighbors in on it and then all of a sudden people start coming out of their house like why are you paying the guy so like that's a common thing and you pay them because otherwise like you don't want them to mess with your car do something or retaliate.

So this guy was giving us war and he's like you don't want to park in front of certain people's houses either. And like certain blocks, you park away. You park not in front of somebody's house. It's just a different, different environment. Never, never seen that before. Yeah. Interesting.

Kind of scary. Yeah. Yeah. But it was an experience. It was an experience. Yeah. I don't know. I got a story for the podcast.

So, yeah. Have you had any like these? No. Yeah. No. I honestly have not traveled very much at all in my life. any of the traveling that I did do was when I was like really young.

So it was interesting that you said that like your parents didn't want you to travel out of the country when you were younger so you could like appreciate it. Yeah. Yeah. That's exactly like me. Like I did a lot of my traveling. Well, all the traveling that I did was like when I was younger.

Gotcha. In the US like throughout. Nice. How many subscribers did you? I bet we could get you to 5,000 subscribers. Oh my God. Yeah. Because if everyone is wanting,

we're going to get more people watching to this point. So if someone has made it to this point in the video, they're going to subscribe. I hope so. They're going to. They have to. I'm just so niche right now. We need a really good thumbnail. We'll figure out thumbnail later.

Yeah. I guess that's something I want to ask you guys. It's like, I don't know if you want to do this on camera. Yeah. But I mean, right now I'm just so niche with end reselling. I figured that's the best. I've always read that's the best way to start is like being niche. But then ideally I would like to expand.

You have to expand because what you're selling right now is just like female. Right. And in that niche, I would say it's probably like 80% male. I think my audience is like, it's got to be like 85% male. So you're appealing to 15% of an already small audience. So you have to go at some point and expand it to just flipping something else. Not necessarily like clothing. What can a guy flip?

Like what can someone who's like 18 to 25 years old, the free time? What can they sell? Yeah. And then market to that. Right. At what point, though, would you say just like with my small, because I remember at one point you said once you have 100,000 you can make videos on whatever you want. But like at what point do you think it's it's the right time to like expand to a wider?

5,000 subscribers. That would be awesome. I would make some more personal videos just about your experiences traveling. I would just broaden it a little bit. I think the flipping thing is really good, but it's too small of an audience. So if you just expand it a little bit, I think that would be good. Jack, what do you think? I honestly

I did not do any research whatsoever for this box Oh yeah no I kept Jack Like as in the dark as I could So I haven't seen anything So I wouldn't like about just being niche on YouTube Yeah I think that it's important to be niche on YouTube Yeah at least in a growing channel

It's very important Because that's at least how you're gonna get like recurring viewers Right And then honestly just be as entertaining as you can I try to be There you go There you go And that's the most important

Jack will subscribe I will subscribe Thank you I get a lot of nice comments and the growth has been pretty good. I mean, to your standards. When did you start? In August, late August, so two months ago. August, two months ago, and you have, how many subscribers? Four hundred and two. That's pretty, that's, I think I had about that when I started. I can't remember, yeah. Because people, like, start vlogging right off

the way, like, unless they have an amazing personality, no one cares, right? You know what? You should look up Shelby Church. You watch Shelby Church? A little bit, yeah. Okay. Look at her videos. They're really interesting. They're really well done. Yes. You could probably do a little bit, crazier editing. I do. Have you seen, did you watch one of my videos before this? Yes. Yeah, I do a lot of, I do some crazy edits. Maybe I missed it. I don't know. I'm looking at Shelby Church with like really incredible B-roll and stuff. Like start doing that. Okay, she's got incredible yeah. Yes. Like, oh yeah. Right. Like when I'm when I say crazy edits, I just made I do a lot of jump cuts and like make, like make, imagine if you did the, the, the, the, the Bia heza videos. Look at his channel.

I will. If you did those types of videos, that would be so viral. Yeah. That would easily 50, thousand views a video if you just watch his channel and then give your own take on that just do the exact you could literally copy his videos but do it in your style in your way yeah i will i'll look into that yeah yeah that would you so well because all those those lifestyle videos and the vlogs and that just it looks so fun i love making videos it's like that's it's a passion of mine even at such a small you know stage yeah and just keep it consistent what's your schedule for posting i just do two a week good i try to do tuesday and then friday cool yeah try tuesday thursday Friday. Fridays generally are slow days.

Try to get everyone not to post on Fridays. Fridays are slow days for some reason because people are getting off of work, they have things to do. They're not sitting there watching YouTube videos. Thursdays, on the other hand, people get home. They're like, oh, it's almost Friday. What's on YouTube? Let me watch this video. So they're more likely to click on a Thursday than a Friday.

Good to know. I will do that. I just look at my audience and the analytics and see where it's like the most purple and go based off that. Okay. Yeah. No, Tuesday and Thursday sounds good. No. Yeah. Anyway, sorry.

I don't want this. You're good. No, absolutely. but um that it's something i'm passionate about for sure how many hours of watch time be at 550 something like that okay so you need 4,000 hours okay but i've heard that once like it it kind of grows yes but yeah once you get like what 700 subscribers and you naturally get what you yet what you should do is post a longer video on Thursday Friday then when this posts on Sunday a lot of those people are going to watch your latest video yeah what do you think my latest video should be options challenge

like oh no because i want to have a good one up have have one addressing jack and i can i do that yes i want to yeah take a selfie do something yeah do something like that just my response to confronting jack and grammar something like that um and then just give your own take your your own perspective on tonight did it go how you expected uh what it was like were we nice yes were we meaning yeah it was more chill i was so so nervous Really? Yeah. Oh, okay.

I mean, I've been watching you for years, not to be weird. Really? Yeah. Years? Yeah, on and off. Okay. I haven't seen every single video, but since my sophomore year in college, I've been watching because I wanted to go into real estate.

Right. It was always a pat-I mean, I still want to invest in real estate. I just didn't like my, like, I was in their debt group, so I didn't like my day at my internship. But yeah, real estate's always been passionate interest of mine. So yeah, I've been watching you for a long time. Yeah. That's why I was nervous.

I don't know. It takes a lot of courage to come and show up at, but, like, I don't want to say stranger's house, but show up at a stranger's house and get on camera for the first time. The Graham Stephan? Yeah. It's pretty cool. Right. No, that does take a lot of courage.

So I commend you for that. No one else. I was just saying like no one else wanted to do it. All the other girls that you did. Everyone else said no. Something was was off tonight and you came, you show, you actually showed up. You guys would stand me up. I'm kidding.

I'm kidding. I'm kidding. I'm kidding. Yeah. Well, why did you ask? I mean, you saw my comment. and then what transpired. Yeah, so, well, it was initially supposed to be a Tinder date

because we wanted to use that in the title, like bringing on a Tinder, because we've seen some of those challenges, like teaching a Tinder date this or doing Tinder date. It's just, I think Tinder, it's just, it sounds sketchy. Yeah. Hey, show up, here's such a, like, no one wants to do that. No.

Have you tried? Have you reached out to girls on Tinder? Yeah. And they were like, no. They're just like, no, I'd rather, like, actually go on a date. You know what I mean? Oh, it makes sense. Yeah, there's one that seemed really prominent.

And then what happened? As soon as you brought it up, it was just like a... Yeah, there was one that we were going to do it. And then she just bailed on me because she was like, actually, I'm not too sure that I want to go on like a... It makes sense. It makes sense. A subscriber, a subscriber, yeah. Of course I'd come on. It would be awesome. It made sense. So thank you so much. And it just so happened you're local too. So it's just like the stars aligned on this one. So thank you so much for doing it. Thank you for having me. Yeah. Any other questions? What else could be? I don't know me. You're putting me on the spot. I know I'm putting it on the spot. Taylor, same applies to you. If you have any questions for Jack. Yeah.

I mean, I have unlimited questions. I mean, I could pick your guys' brains all night. I don't know how much you want me to do that, though. What do you want to talk about? Do you want to talk about business? Do you want to talk about finance? Do you want to talk about personal stuff? What do you want to talk about?

Personal stuff is most fun to watch, right? That's what I feel like all the comments on these videos. Like that Andre one, I mean, I loved watching the whole thing, but I noticed like all the comments were about when you guys were talking about your insecurity. Do you want to share your biggest insecurity? That would be a big one. Yeah. That's an intense one.

I'm yeah I I don't have hmm how do I say this I mean this is what we should have asked in the very beginning reveals biggest um I don't know I'm actually I don't know I'm pretty confident myself there's got a cop out there's got it you have to have some 100% of something I don't know I mean yeah I suffer from no every now and then I'll get like social anxiety where like, you know, mainly at school and stuff, if I was at a place with a friend and, and, you know, a frat or whatever where I didn't know everybody, then my friend went missing or something, then I would get like nervous.

But that's anybody. That's everybody. It's everybody. Everybody feels that way. Do you guys want to, want to recap on what yours were? Yeah, I'll go first. What was mine? Mine was height.

And then not being able to grow a beard. Oh, yeah. Yeah. Whatever. Jack's always yours. Yeah, mine was a. How do you say this? It's because it doesn't make any sense at all.

Yes, it makes sense, man. Mine was asymmetrical face and body hair. I remember you saying that. And then Ryan said you have a very symmetrical face. I think you have a symmetrical face. I think you have a symmetrical face. It doesn't help. It doesn't help when you get like positively affirmed on something.

You know, it's nicer. Honestly, it would be nicer to it. Just like, acknowledge and be like, you know what, Jack? You do have an asymmetrical face, but it looks nice, man. I feel like you just made that up just to come up with something. No, dude. No. Because the thing is, it's like, although...

What do you think is asymmetrical? Okay, I'll tell you right now. So when I say asymmetrical face, that's just shorthand of saying one eyebrows higher than the other. Nose is crooked. Okay, you don't... I have to see now. My rights on my face is incredibly skinny, and the left side of my face is pudgy. Pudgy?

You guys are so ridiculous. Can I see? Can I see? I don't see it. I don't see either. I can feel it. Like it's that Do you have a pudginess difference? I don't think so.

Slightly asymmetrical face. Really? Is my asymmetrical? Tell me the truth. Actually, it looks fairly asymmetrical. Thanks. Yeah. All right.

So, Taylor, what's the biggest insecurity besides social anxiety? I feel like we all get social anxiety. I feel like that's 99% of people. You have to be weird not to get social anxiety. Yeah, that's fair. It's like, honestly, it's got to be what's the first thing that comes to mind. The social thing.

Really? Yeah. That's your biggest insecurity? I guess. I mean, I'm pretty, I'm a social person. I just, I don't know, social anxiety, I guess. That makes sense. I never judge a man or woman by their insecurity.

Yeah, of course not. No, I mean, nobody does. Yeah, nobody does. No, it is. That would be. It's fine. Yeah. The social anxiety thing is real.

I had it bad. I would get terrified. Like, I wouldn't show up to any place unless it was going with someone I knew. The most stressful thing is, showing up to a place. You know, when someone invites you that you just barely know, and they invite you somewhere and you're like, okay, I'm going to go and do it. And you don't know anyone else there and you just show up. And that person's busy talking to somebody else. If you're just kind of like there and then you realize like, I'm alone here. There's no

to talk to. Everyone knows each other. That's scary. That's what I'm talking. Terrifying stuff. Yeah. Yeah, you explained it better than I did. Right. I mean, I'm like chatty, but that is, yeah, I feel the insecurity there for sure. Yeah. I don't experience that. That's good. That's interesting. Psychopath. Definitely. Certified. Yeah.

So you would just, in that case, you would just go to like any random person and chat them up. No, I would be okay being alone. Oh, you mean you just, you just don't feel it. You would just sit in the corner. Would you go on your phone? No. I mean, I don't have to be. It's like, it's a matter.

Like, I will, you know, I can start to feel it. Yeah. But it's honestly for me, it's just kind of like a light switch. Yeah. Like, I can just tell myself, like, I don't care about something. And if I don't care about something, I'm not, I'm not like, vulnerable anymore. So I just turn it off like a light switch and then. I just don't care

Look at me Big guy No that's just Yeah Because most people just go on their phone Which I would It's like a social pacifier I mean I probably would if I was bored

Yeah Yeah But I wouldn't use it as like a pacifier That's a lot of people would I would think You know in that case I don't know Nothing wrong with that

Yeah I have to check the algorithm That's a good excuse Someone comes up to you like what are you doing your phone I'm checking the algorithm Oh what's that You want to see it? You have a YouTube channel What's a channel?

channel call? What sort of videos do you make? Yeah. Interesting. That's the advantage on YouTube, though. I have to say is that there's no more, like, just going into places and just having nothing to talk about. As soon as you mentioned the YouTube channel, they'll keep talking. It's become very easy after that because they want to know about it. Do people ever discredit without knowing your following? Do they discredit the fact that you're a huge?

I mean, you're also a real estate. If they're under the age of 30, no. Under 30, it's like instant like, oh, what's the channel? Yeah. Over 30. They just, they don't get it. Maybe 35.

Yeah. I had somebody I told like someone, an old real estate buddy. He's like, oh, how's real estate going? I'm like, oh, I'm making YouTube videos now.

Oh, all right. You make money with that? I'm like, yeah, yeah, I do. But I'm not going to say anything more than that. Oh,

okay. All right, cool. And like, that's it. Yeah. That's it. Right.

Yeah. I was wondering if run into that or not. Even like straight, even people your age, like, who understand YouTube, do they ever discredit you unless they know how many.

No, I don't meet that many people who aren't from the YouTube bubble. Everyone I meet now, all, like, friends and acquaintances are all from YouTube at this point. So it's like, it's organically just like they already get the channel. We already, like, are on the same wavelength for things.

So it's a lot easier because of that. Makes sense. How often do you get recognized? Almost every time now. I'd say pretty much every time I've gone out. Just about. Do you like that? Or is it?

Yeah, because you get to see. see like the person behind the number on the screen. You'll see like all these views, but then to actually meet someone behind is like there's a real person. Yeah. And then just hearing stories about like, oh, I got into it. Like some people are like, I dropped out of college and got into real estate. I'm like, oh no, what did you do?

Like now it's on me. Like if things go wrong. But overall it's really good. Like the other day ran into this guy in Venice who gave me a free, free sweater. And then I think Macy's going to be doing some modeling for this company that it's just randomly from walking on the street. Yeah. Clothing company.

So I got a free, free sweater. Cool. Yeah. What are your friends? No, I'm asking the question. Sorry. Good.

Take over. Take over. Well, no. I'm just like, what are your, I don't, you can cut this out if it's too personal, but what did your parents think about dropping out and pursuing your dreams? So they were really,

really apprehensive at first, and it was really weird bringing it up to them. And my dad listens to all these. I'm totally okay bringing this up, though. It was really, really weird having that conversation. And it was hard to bring it up. up because I consistently told them, you know, throughout all my work with Graham that I'm going to, Graham is listening so intently right now, that I'm going to continue and finish college and everything.

But then finally, it's like, I mean, work just got to be like so big for me. And school was like so small. And I just kind of, I came to terms with myself that I would like have to choose between the two. So I picked on the side of like dropping out and talking to my dad about it. It was super difficult bringing it up. I told him I was considering it, even though I'm not going to like, I kind of had my mind made up. Right. You know what I mean? And that was basically it's like he was like every single time I would be like yeah But this is a good reason why he'd be like no but then there's also this and he'd bring up the bad reason Although he would say like you know I support you in any endeavor you make jack and I was like well obviously

There's some apprehension to this and and then we gave it a week and then we had another phone call and I think he just needed to sleep on it Right and then he was very supportive from then on and then what about your friends at UCSV? Do you like still see them or Honestly I haven't told that many people like a really close friend of mine texted me yesterday. He's like yo can I get your UCSia? You see you? USB code because I need a discount for something. Yeah. And I was like, I was like, oh dude, I dropped out. And he was like, what? Did you fully drop out where you can't reenroll?

No, I can reenroll. You can. Yeah, but I can reenroll indefinitely. Okay, gotcha. Oh, indefinitely. Yeah. Oh, and definitely. Yeah.

Oh, I don't know. They surprised me with that. But they were all really surprised. I didn't tell very many people. I told maybe five people. When did you officially drop out? I dropped out this fall quarter. Oh, so it's recent.

Mm-hmm. Okay. I didn't realize it was that recent. That's probably why. Yeah, I was going to do summer classes, but I ended up not doing summer classes. Gotcha. Yeah. But that was basically it was a...

Have you had this conversation before about what your parents thought? We didn't talk... Not really. I was nervous. I really didn't want Jack to go to college. Yeah. Because I couldn't... I got so accustomed to having Jack to all the editing on the second channel that I knew

I could not keep up that same level of momentum like I once had. I got used to doing it all myself. And then when Jack took over, I just got busier in other areas and I couldn't do both. So it had to happen. Right. It had to happen. Well, I knew it was going to, I knew it was going to happen. I kind of knew it was going to happen too.

It was just a matter of agreeing on a couple of numbers. Right. That was basically. Is that it? You negotiate it? Yeah, we did. We went back and forth and I never gave Jack an answer at the same time. I always said I need 24 hours to think about it.

Yeah. Because I never wanted to make a decision just like spur of the moment. Because sometimes you sleep on something and then you feel differently in the morning. For sure. Always. So, yeah. Slept on everything. And then Jack would do the same.

It really bothered me. I'd give Jack an answer. He was like, all right, I'll sleep on it. And Graham, like, no, I need the answer now. I need the answer now. Went back and forth for six months just so I come to an hour. It was a while. It was like a week and a half that we went back and forth and stuff.

But thankfully, it all worked out. Yes. You guys consider each other like your best friends. You guys. I would definitely. I would definitely. Graham and I, we don't talk about this. I would consider Graham a really good friend of mine.

Yeah. Yeah. Yeah. I would say Jack, Jack is real. I wouldn't say best because I've had friends since I was like, whoa. I've had friends since I was like eight or nine years old. Out of all. Like, I would consider honestly.

Top five. Top five. Sure, I'll take it. I'd say you're the same. Top like 10, maybe, top six. So it's not just like an employment thing. It's, you're actually friends. No, yeah, we're actually friends.

That's good. It makes it difficult because I do think it's, I don't want to say like friendship first. But it does feel a little bit like that. It does. I'll hold back a little bit on his punches if I do poorly. Sometimes it is. I think of the friendship first. Not all the time, but sometimes.

So it does, there's a line now that's blurred that you can't go back after that. So it does make it harder for some. but I think the positives outweigh any sort of just awkwardness about like Jeff we got it we got to get this done if we aren't friends right so yeah right yeah interesting like uploading the podcast 24 hours before dude I've been doing it way before now I'm doing it days before like scheduling it yeah wow good for you Jack sometimes would have these podcasts uploaded like the night before two o'clock in the

morning when it's posting it nine and it was just like I liked it to be done 24 hours ahead of time so I could go to sleep that night and be done yeah All right. I mean, is there anything else? I think we're good. I think we're good. I'm good. Are you good?

Yeah, I'm good. Cool. Okay. You want me to do the outro? Yes, sir. All right. So, Taylor, thank you so much for coming on the iced coffee hour. Jack, thank you so much for being here.

And thank you guys so much for watching. I really appreciate it. As always, make sure to destroy the subscribe button. Oh, you have to say, make sure to destroy the subscribe button for the YouTube algorithm. Make sure to destroy the subscribe button for the YouTube algorithm. Perfect. And yeah, also feel free to add us on Instagram. I post there pretty much daily.

Yeah, if you want to be there, feel free to add us there. Oh, and then also you could get three free stocks by using the Weebel link down below in the description because two of the stocks are worth at minimum $8 and all the way up to $1,600. As on Taylor's channel, she posts there every Tuesday and every Friday. Yep. Or Thursday? Every Tuesday and every Thursday now. So feel free to add her there.

Cool. Yeah. Thank you guys so much for watching. And until next time. I love when people try to like read your lips when you bleep something out. Yeah. What did you say? Can you tell me what you said?

Here's a thing. So this is a reference to the Andrejik podcast. That's what I'm talking about too. Exactly. So I said something during the Andrejik podcast. And honestly, guys, it still is sometimes uncomfortable for me to be on camera. So sometimes. I would say it and then just.

Yeah. No, I'm not going to say. Okay. So whatever you think of me, like right now, half that. And then half it one more time. No way. And then that is the person. be capable to say what I said in that podcast episode with Andre Jay.

I think, did someone get it right in the comments? Someone wrote no, no, no. It is so out of this world. To sum it up, right, Andre went on like this monologue talking about like how he grew up and like, I don't know, he like came over here from Russia and like has all this like background and magic. Yes. And then there was a pause.

Yes. And then Graham looked at me and Andre looked at me and I was like, I should say something. So I said something. And it was so stupid. It was not mean. It was not like. Was it inappropriate?

Sad? No, not at all. It was just like, why did you ask? Such a stupid question. Like, I still, I can't believe I said that. Did you just ask if the, like, magic helps him get girls or something? No. It was like, no, like, that at least is like kind of comedic, right?

No, this is just plain old stupid. Like you, yeah. And it wasn't inappropriate. What could it have been? No, it was just stupid. It was a stupid. No. Are you going to include this?

No. He's going to bleep a lot of it out. Yeah. So now in the comments, people are going to, but what did you say? What did you say? And I just want to say, I am so sorry. everyone because there have been so many comments saying they don't want us to bleep stuff out Let me know if you'd rather me just cut out parts where we bleep stuff out entirely

Yeah, because during this be a heza podcast posting on Sunday as well We have a lot of bleeping out we need a new So it's the 27th so you're going to do the intro Okay 27th right 27th ever episode so you say it's a 27th ever episode of the ice coffee hour So my name is Taylor and so far the podcast is made. How much is it made? 1687.

$16,000. $16,087. $1687. Could you, do you got that? Yeah, I got that. Okay, go. Sorry, 27th episode. 27th episode.

27th ever episode of the ice coffee hour. Okay. My name is Taylor, and so far the podcast has made $16,000. $87. Okay, cool. Can do that. No pressure. All right.

All right. Oh, and then look into. Yeah, which one? The middle one. Also, if you mess up, it's no big deal. You could just re-say whatever you want to say and I'll fix it. Yeah. Except you guys usually leave it in as someone mess

That's on Jack That's if Jack wants to be nice right No I think you got it Okay cool