The Iced Coffee Hour - Confronting Elena Taber From CNBC Millennial Money

Episode Date: January 20, 2021

This week we are confronting Elena Taber on her spending. We talk YouTube income, crazy New York rents, and re-visit our biggest insecurities. Enjoy! Add us on Instagram:  https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan SUBSCRIBE TO ELENA ON YOUTUBE: https://www.youtube.com/channel/UCDBr... Send any voice submissions to [e-mail]  (10-15 seconds max) can be about anything- and we will respond in the next podcast! Get 4 Free Stocks on Webull when you deposit $100 (WORTH UP TO $1600): 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

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Hello and welcome to the 33rd ever episode of the Ice Coffee Hour. I'm Elena and as of today the podcast has made $30,000 and $30,000, $86. Great. We're going to keep it. All right. This is great job. Thank you. Thank you.

All the way from New York. This is true. Just for this. Just for this. We feel honored. Thank you. Thank you so much. Yeah.

Especially after my video on you. I know. You are nice and unexpected. Really? Yes. I went in and I was a little nervous. Now, to bring everyone up to speed on what's happened here, some background, you were on a CNBC video called, what was it? Unlocked. Unlocked. And this is one of the first unlocks that they have done.

Right. Was it the first? Yeah, it was the first. The start of a great tune. Yeah. So you were on an episode by CNBC, which of course, I watched them all. And then, of course, I react to them. And you were one of the episodes I reacted to. Correct. And people were giving you a really tough time in the comments about where you live and how much you spend and rent. And funny thing, I've actually seen your channel before. I don't know how. I see basically every YouTube channel out there.

I kind of feel like the point you get to know everybody. Yeah. So I saw your channel before, recognized you from that, watched your episode, had some critiques, overall, some good things to say. But let's go back before we do the confronting series. Tell us a little bit about yourself. You do YouTube. I do.

Yes. I'm a YouTuber as well, content creator. I would say I primarily create content on lifestyle. So it was primarily travel for a while. And obviously, you know, things have changed. And that was kind of like the trajectory I was supposed to go on into 2019. And so, yeah, kind of had to reevaluate. So this past year I've been making a lot of content specifically on New York City,

a lot of apartment content, been delving into the world of finance as well, which has been fun. And then just other like fashion, sustainable fashion beauty. a little bit of everything, yeah. And how long have you been making videos on YouTube? It's been a minute. So I technically started my channel in 20, what is it now? I guess 2015.

But I would say it was like 2017 was when I really like committed to it and started making a lot more. Did you go to college or when you did? Yeah, yeah. I went to school in San Diego and yeah, graduated in 2018 and then I moved to New York and and straight. And why YouTube? Oh, yeah, good question.

I guess for me, my story would be that I, I watched YouTube. a lot. I loved YouTube in high school, like that, like, 2013, 2014 YouTube personality. I was always a fan. And growing up, as like a teenager, preteen, I love making videos. So I was already editing a lot. I was already used to like, you know, holding the camera, editing the whole process. And then eventually I just kind of decided to stick to it as like a creative outlet. And yeah, kept it up. And how long do you think that you were on YouTube until you considered it to be like self-sustaining and sufficient? A while. Yeah. I'd never had a viral video. never, just like never just fully picked up.

I remember when my channel was smaller, at about like 50,000, I had a YouTuber friend who was further long. And she told me that when you hit 100K is when you can like pretty much go full time. And so it was like the day after I graduated college, I hit 100,000 subscribers. Wow. I was like, all right, got to go for it. And so, yeah, I'd say her own then. Was the YouTuber friend Shelby?

Can we say? No, do we tell you? Yeah, it's a Allegra shot, which I don't know if you know that is. Yeah, it was like a glossier event. I dabble in that beauty world of YouTube as well. So it's good advice. What's Glossier? It is basically like a beauty skincare brand.

Yeah. Cool. Yeah. All right. And how much money were you making back then in $100,000? Like $50,000, $100,000. Are you okay disclosing numbers? I'll disclose some numbers.

I never have. Good. Okay. It'll be a little juicy. Okay. Here's the way. We have the T as they say. So I would say that first.

Okay. I would say like in 2018. So my first year full time. So I graduated May 2018. I spent the summer traveling and then I moved to New York in September. And so by the end of 2018, I think I made $50,000. So I wasn't making big bucks. 50K.

And that was it 100,000 subscribers? And my channel did grow quite a bit that year. So I probably, I graduated in May with probably 100,000. And then I would say I hit like 250,000 by the end of the year. So there was a big growth spurt. That was the one time I had like a big growth spurt, I'd say. No, the 50,000. Is that mostly AdSense or is it sponsorships or what was it?

Mostly sponsorships. I've never made a lot of AdSense money. Really? Is your CPM just lower? It's so low. It's so low. It's insane in comparison to, like four or five dollars. Wow.

CPM or RPM? RPM. RPM. I can show you guys. Rpum's your revenue. I can pull up numbers. I'm not going to the top of my head, but. Do you want to pull it up?

Let's see. Let's see. We're finance channel. We're going to dive into this. All right. Let's do it. Cool. Also, this is obligatory, but are you comfortable screenshoting?

So I can have visual. I can screenshot. Okay. All right, let's pull the video as an example. See, look. $5. Can you screenshot that? No way.

Okay, so it's, what is this? College room tour, how to style a small room in the last, well, okay, 1100 views, $5.21 cents. But that's also the amount of money you've made in the last 28 days. Yeah. Let's see if I go all time. Yeah. $2,000.

And how many views it again? 800,000. Yeah, so we would be 800,000. What is that? Like 11, 12, 13,000 dollars. Yeah. That's got to be tough.

I think, I think you're underpaid. I mean, you got to think. Sponsorships do well. That's the thing is like, I have to do a lot more sponsorships than some YouTubers. And sometimes people are wondering. They're like, why are you doing so many sponsorships in comparison to other YouTubers?

But like this year on AdSense, I made like $34,000. for the year. And I had like 12 million views or something like that. So if you're in the lifestyles here, there's not a lot of money in AdSense. It's not really livable. But you also can market, you would market your Instagram account. I've noticed that. I market that for sure. Yes. Why? Is business going down on Instagram? No, but I think there's a lot more Instagram deals in the beauty fashion. I see. So there's definitely sponsorship money there, but there's not AdSense. Okay. Let me ask you this. Are you putting mid-roll ads in your videos? I usually do. If it's a 12 minute video, I'll usually do like the, click the before and after.

Okay. And I'll usually do two. So I'll do one at like the three minute mark when like the nine minute mark. Okay. Yeah. All right. Well, that's good. That's fair.

Okay. Wow. Okay. I expected much more. Especially walking with the new iPhone living in New York. Yeah. No kidding. Right.

It takes way more ad revenue than that. Not quite. But the sponsorships do do help. So yeah. Got it. Okay. So you living in New York now. Yes.

That was what the episode is about. You had two roommates. So the total rent was 5,400 a month. Correct. Split that between three people total. So your portion is not that bad. You lived in a nice place. Yeah, not bad at all.

Good decorating. How did CNBC reach out to you from that? You know, yeah, they reached out to me, and I think they found me through YouTube. Because I've done quite a few apartment tour decor videos, and so I think they just found me through that. Okay. What was it like reading some of those comments on that video saying that New York is so expensive that you were wasting money living there?

They were telling you, they were telling you, they make it a big mistake. I know. Well, I was expecting it because I watch, so Refinery 29 has a similar series. It's like apartment tour. And if you look at the comments, it's exactly the same. So I knew I was getting myself into. Like, I knew people would not be kind or even understanding. But like I'm obsessed with Street Easy, which for those who are unfamiliar, it's like

the New York apartment hunting app, essentially. I'm obsessed. It's literally part of my morning routine. I check it every day for months. So I'm very aware of what's a good deal or not, I'd say, like, for specifically what I'm looking for in my budget, amount of rooms. So I feel like what I've got was a good deal. But people are always going to be like, why are you spending that much? You could be living in Pennsylvania and like get, you know, so much more bank of your buck or like even living in different parts of the city.

Because I was living in a pretty like prime neighborhood, you could say. So, yeah. I do remember you saying that it's wise for you to live in New York and especially in that area because there's so many content opportunities. Totally. And that does make sense when you put it like that Because then it's just like a business expense How you're living there Exactly. Yeah, that was my

I came to the defense Of you and I said it makes sense For what you're spending It's not that bad No, yeah exactly I figured you'd understand But I did tell you that you shouldn't be living there full time And that ideally you gotta be traveling more

I think if you did van life I think that was my recommendation I think I'd say that to everybody Like if they just did band life, they would do so well. I know. That's what's crazy. Are you thinking about doing it?

I did do it actually. You did. I know. So you kind of hit it on the nose. Wow. I missed these, I missed. I missed it.

I usually researched this, but okay. I dabbled in a van for a bit and I loved it. How was that? I'd love to do it again. Oh my gosh. It was great. Was that by yourself or did you do that way?

Me and my boyfriend. We went on a long trip. Yeah, rented a van and it was great. Wow. And normally it would be traveling to as well. That was my kind of focus on my channel, but. Where did you go?

I went up the coast. So up through, so I'm, yeah, again, originally from Orange County. So I was staying with my parents at the time. And went up through O.C., L.A., up through Big Sur, San Francisco, Mendocino, and then all the way to the lost coast of California. How long did you go for? Probably like a week and a half. So it was a dabble.

It wasn't like, I would never claim to be a van life for. That's not quite. I know. You got to do it for like a year. Yeah. I've done that drive before up to San Francisco. and it's a nice drive. You could do that in a day.

Well, that's the easy part. Yeah. The northern part of California is a lot larger than I expected. I guess, you know, on the hours in the van. It keeps going. And there's lots of little nooks and crannies to explore. But no, I would by no means call myself a... What you need to do is do it from L.A. to New York.

I thought about that. Instead of taking a flight back, get a van. I'm into it. Four or five grand, deck it out, do something crazy in it, and then travel and then do podcasts on the way up there. That's what I would do. Honestly, I thought about that.

Yeah. Great travel content too. I would do that. That's smart. A podcast would be cool and you just talk about the different places you know. That's what I've thought. I've been telling Jack, I mean,

I think at some point I really want to do the whole van landing. What are you doing? You want to recruit me to like sleep in the back while you travel with Macy. And I'm just like, you're like a tired of like attached to that. I'm literally 100% just 24-7 at third meal. So I thought. this. I thought we could get like a giant

RV. You got to do a RV. Not quite a van, but like an RV with a trailer in the back. And Jack would be in the trailer. Just attached on the back. I love it. Oh my gosh. So that way Jack had had his own spot. But what we would do is just go from like every state, like all 50 states,

visit them maybe to do like a bit of a travel, not a vlog, but like a little travel segment or something. And then do podcasts like every state, every location. That way Jack did it's what space. Film it all. I think it would be such a cool opportunity. I think it would be great.

RVs are the way to go. That's what I figured out. Vans are nice, especially if they're decked out. But an RV, you could go months and not miss anything. That's what I'm thinking. I think at some point I'd like to do that. Jack thinks he's going to be third wheeling. We're not that bad.

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Saving those children is how we all go home. From Binge All episodes exclusively on Paramount Plus. It'll be nice. Bring the puppet. Yeah, we'll just bring Bailey. Yeah. So anyway, I think that was my only complaint to you, was it? What was it like watching my reaction to you?

It was pretty funny. I'm sure everyone always says this, but I had, of course, seen all your videos. I loved your millennial money reaction. So I was used to reacting to those and kind of knowing that, you know, you don't play it too careful. And so I was like, oh gosh, what am I getting myself into? But I was pleasantly surprised that you got fully come for me.

And I was glad that you understood, obviously, unsurprisingly, the New York City real estate market, which I knew commenters would not. Right. I was like, few. Did you know he was going to react to you? No. I actually didn't cross my mind. I think because it was a new.

series? You think I would skip a new series? I know. Honestly, yeah. No, I look back. I don't know why I would have expected that. But no, it wasn't. Oh, it's a new real estate series. You wouldn't expect you. Graham is going to skip that. Actually, for some reason, I really wasn't. Like, when you DM'd me, I like yelled to my boyfriend. I was like, oh my gosh, like I wasn't expecting this. Wow. Were there any comments talking about Graham react to me? Oh, yeah. And then once I started, yeah, then I was like, oh, yeah, this is probably going to come. Yeah. Yeah. Did, did any of my army come to your channel? Did this happen? I think it must have. A bit. There was a little crossover. Because then I, I, I,

I reacted. Yeah, I saw that. You know, we're just creating a YouTube loop here. Right. You know, at some of money. And then,

and then the next one that people have been doing, what it was like to go on the guys to go off the hour. Chandler just did that. Chandler did that. Taylor did that. Yeah. You could do that. Yeah.

What it was really like. And you get, that's just like the nicest stuff ever. But maybe you could click bait in the beginning. There we go. I love it. I know, so I feel like we're in semi,

we're in pretty different spheres in YouTube. Yeah, totally. Oh, you know what? That battery died. That battery died. Give me a sec. I got that one. Yeah, no, I'm always paranoid that something is not going to record.

I've had it happen three times, I think, where I panicked. One, when I flew to Florida and filmed with Ben Mala, the entire trip was just like one day with Ben Mala for like seven hours. That was it. His audio, or no, it was my audio in the interview did not record anything at all. And I figured it out when I left. It was done. We missed the perfect moment.

So if you see that video, the sit-down portion of him talking is only him talking. And basically my portions just don't exist because there's no audio to that. The other one, when I flew to Detroit to meet with Alex Pardot, Millennial Money, the entire first segment of our audio did not get recorded. I think something was turned off or something happened, but I flew to Detroit to meet with this guy. Nothing recorded. Figured it out at like 7 p.m. that night we were supposed to fly out the next day

and I called them up and I was so embarrassing like hey man nothing recorded can we do it again and he went back to his shop opened up we filmed the whole thing again and then there was another time I was just thinking about that just nothing recorded Oh yeah One of the angles was blurry the entire time

and then the other one got deleted We deleted footage I've done that I've been there You know what I've noticed it's always on the trips where we travel Yeah, it's the most important one Yeah, the most important clip. The highest risk ones. Yeah, on the biggest videos, when we travel,

is usually when it doesn't record. But this time I think we should be okay. Yeah, it should be okay. Yeah. Perfect. But you also, yes, please try it. Let us know what you think. Okay, so this is my 20-cent iced coffee.

I think I made yours a little bit stronger than normal. No, I like it. Do you actually? I can make it sweeter. This is great. I like it. So you kick. Are you just saying that?

No, I'd tell you. Really? Okay, you're not lying. I don't lie. You're lying here. All right. All right. the only reason I say that is because I made yours stronger than usually I put more cream in it

I feel like it's safer to go stronger than too sweet if you're offering somebody coffee right usually people like the really sweet one usually I make it where it's like but it's also kind of weird when you hand someone a coffee that's just like drownish it's like all white I hate it I hate that it's a worse look yeah no this is great yeah we're more just like a like a liquidy cream with like a little bit of coffee yeah yeah no this is all right so yeah uh yeah uh yeah you also just drop you also just drop a bomb on us before this and you said that you're moving yes oh wow no so you're moving out of the apartment which your rent was like 1800 a month right yes are you upgrading or downgrading i am upgrading

i am upgrading a little bit because so i'm staying in new york so not too much drama there not going too far um but yeah i mean the deal is the real estate market right now especially in new Obviously, so many people have left are pretty good. So I figured get a little more bang for my buck. And since I have done better this year and I'm obviously saving money on travel and I used to pay for co-gring space and all this other stuff, like I'd rather invest if you're not invest. But, you know, I know. You've got to use that word carefully.

Lifestyle inflation. You know, that's the comments are going to attack you. Yeah. I'll be my value of life a bit more if I'm going to be inside way more than a years past. So, yeah, new apartment. Why not just move somewhere else? Why not do the whole van life thing? Why not do that again?

Because that would reinvigor. I mean, that would really just cause everything. The algorithm loves that. You know, I am considering it for the summer. The hard part is my leases up in February where it's like, what do you do in February? So, stay tuned for the summer content. Did you, the whole van life break? Did you already sign something?

Not yet. It's not too late. I know. I know. If I were you. Not yet. If I were you, ditch the lease in New York. Come back here.

I know. It's tempting. It's tempting. It's tempting. This is true. Live with your. parents. Live with your parents.

I already did that. Just for a few years. Just for a few years. Invest everything. No, I'm kidding. It's perfect. Get an RV. Park it in their driveway.

Live in there. Take an extension cord from inside. Plug it in. In all seriousness, in all seriousness, my unsolicited advice. I'll take it. Okay. Ditch the lease. Then get the van.

Start in. California and just travel for like three to four or five months, see how your channel is doing, and then reevaluate after about six months. I know it would be so good for the channel. Would you get inspired though? Because I also think that's pretty important. Would you be as inspired in a van traveling across the United States as you do in New York in the nice place?

Oh yeah, yeah. No, a lot of like the travel content I do would be more, not like riffing it, but it's never like, I was not luxury travel. I was like hostile travel. So I'm all for backpacking it and figuring it out. So I feel like the band life would be the equivalent. I would do that because I think for 10 grand you get a nice enough van. You can finance it right off the interest and then travel to all of these places that are just not crowded right now.

I agree. I'm into it. There's not a lot of people travel. I think you would be safe doing that, going to a lot of remote areas. It's probably safer for you to do that in a van on your own than in New York City. You could try new spots. You could try like the worst rated restaurants in certain areas of the best restaurants of whatever. Shopping.

These are great ideas. You could do shopping there, lifestyle content, travel, just your experiences. Would you, I think all of that would do really well. I think you could double your income this year if you just did that. Would you do it? I think I'm sold. Really? Would you actually do it?

Honestly, stay tuned. This summer, I've been in the, like, works. Not the summer now. It's cold. It's not cold. It's not that cold. First of all, the West Coast is not that bad. No, it's totally fine here.

So you could, by the time you get to the, you did. I just slowly make my way back to the East Coast. Right. Well, that's what I'm thinking. You go up and down like this, you know, throughout the entire country. And I think you would do really well. All right. Sold.

Do it. I just got to get a car. I'll tell my boyfriend, I'll be like, see you four months. Would you travel alone or would you travel with him? I would you travel with a friend. I've done quite a bit of soul of travel, so I'm all for that as well. He has a more strict a job, so I don't know what the flexibility is there for him. What does he do?

He's such a cartographer. So he works in like data mapping sales. I thought you said car photographer. No, I know. I was like, wow. Cartographers would do that. He's a big map nerd. I'm just wondering, what do we have left to map?

Because I feel like we've been around for so long. You're not wrong in that regards. We're really like, I don't know, pulling strings here. It's more about pulling in, like, the information of like where different businesses are in developing countries. So if you go to Mexico, you can't necessarily always pull up your phone and be like, give me the nearest 7-Eleven. Some of that information doesn't exist yet. And people are currently making out. So that makes sense.

Yeah. I also want to know, like, we always give unsolicited advice to our guests. Yes. Can we get some unsolicited, or actually solicited now, advice from you? And just on anything. On anything. Or are we messing up? Take your time as well.

I can cut out any dead silence. Take your time. Think it through. Ramsey does that when he wants the door opened. Yeah. He doesn't go outside. He just wants it open. He looks outside.

And I remember, someone told me or I read somewhere that like cats looking at a windows the equivalent to a human watching TV. And it makes sense. You said that so many times to me now. Really? It's profound. I've never heard that. It's profound.

It changed my life that much because now it's like when he stares at there for hours at nothing, I'm like, it's like me watching Dr. Phil or something. I love it. All right. My advice, I'm just going to go with what comes first. I would say dive more into the lifestyle category. I feel like you've got finance covered. You've got, you know, real estate, all of that covered.

Maybe try a little lifestyle. Do you think that we have an angle on that, though? You never know. I think especially when people, when you have an audience that gets to a lot, you know, a point where they really will watch pretty much anything that you put out or they really like you as a personality. They enjoy lifestyle content. Have you done any vlogs?

Have I missed it? Yeah. The vlogs do the worst on my channel. Like everything I've ever done, I've done like two or three vlogs ever. And they all do like 10 out of 10. And then I'm like, now I'm not going to do that. And vlogs take me a long time to film because it's an entire day. It's not like I could just plan something out five hours, film it, edit it, whole day of

just filming. then I got to make it exciting. And my day's not exciting. I really have to really have to go out of my way to do something that's like noteworthy. The finance community is like they're fanatical about finance. They're like don't stray? Pretty much. Yeah.

Yeah. Well, people criticize the way I used to eat like a lot of frozen foods because it was cheap. So like the healthy choice $2.79. They said that was bad for me. So maybe they're a little too, a little too. Grimm got bullied out of the lifestyle food. Fair. I have noticed, though, just as a thought that it took me, there was almost like a learning curve is the closest equivalent I can think of, but like a learning curve, almost a watch curve essentially that the beginning I'd put out a lot of vlogs, travel videos, and for a while they didn't perform well, but I just stuck to it.

And at a point, they became my most watch videos because I think people just had to kind of get used to seeing that on my channel. Okay. Just put that out there. So what else besides that? So do lifestyle stuff, frugal living. Okay. I've got to think on this. What do you think about this to family?

Is that your audience? Yes. No. We've joked about that becoming like the next vlog, this is to family. Yeah. It's like me, Bailey, Ramsey, uh, Macy, Jack. You know, those family blogs do well. They do well. We're not really like, no, no children, but we, you know, the two animals and Jack. And Jack. Basically, like, work 24-7. Yeah. That's it. Yeah. I know. Vlogs this year are really hard to make interesting. People are like, we want vlogs inside. I'm like, do you really know? There's not a lot happening. Like, it's one thing when you're running around New York or traveling. Yeah.

So Bailey's done with her bone. I don't know if you want to just hold. I don't know if you want to hold her. You just got to be careful for the wire. But if she might calm down. Okay. She might just calm down. Oh, man.

It's a problem with having animals. You know what? I realize fish don't do this. This is why I love fish. Because they don't, they don't do any of this stuff. Bailey, please stop. Stop, step. Okay.

So what other unsolicited advice? All right. Can you give us? I just want to show, we have Bailey right there and Ramsey clawing at the window. True, true farm. Bailey? It's like a zoo. She's got to learn too not to jump on the table.

She sees Ramsey doing it and she's like, hey, if the cat could do it, so could I. Damn, I don't know. I feel like you got your corner figured out on the internet. So everything else is perfect. Yeah, you're flawless. Human beings. I know, oh no. Okay.

I feel like I'm bringing a little lifestyle to your lifestyle YouTube category to your channel. Well, let's talk more about your own personal finances. Can we, can we talk about that? Let's do it. Okay. Your outfit looks expensive. It's not.

Is it not? It doesn't look expensive, Graham. I don't, I don't know. I'm so bad with this sort of stuff because sometimes you could get stuff at like, I'm not saying you got it at goodwill. But sometimes you could say like outfits like that, you can get a good. No, that's fair. And no, I'm not offended because of the, I didn't need that to be rude. If you go back on my channel, a lot of my first videos were thrifting videos.

So you were perfectly won. There we go. There we go. Okay. Okay. How much was it? How much was it? So I thrifted the pants for about $15. See?

Not wrong. Yeah, there we go. It's probably like 120, but it was gifted. So that's the perk of working as a fashion content creators. You get some free wardrobe items. How much free stuff do you usually get? If I'm being honest. That's the reason why Graham would go to the next style.

So, did you bring me some products? Did you? I would have. I have extra. What? Like hats? No. That's a very fair question. See, it's interesting how different our YouTube spheres are.

Yeah, we were gifted hats and hoodies by Chandler. So like that's our level of like free stuff. I should load you up on skin care, beauty products, some clothing. Got you covered. But yeah, I'd say the beauty fashion world, there is a bit probably like a little too much gifting. It's not quite, it's not very sustainable. But my friends love me because when they come over, it's like a free story.

store of products to choose from. Okay. And how has your business been this last year? Yeah, definitely. It's been interesting. It's taken a lot of re-evaluating because like I mentioned multiple times. Like I was ready to travel this whole year, kind of go that travel focused route. And so have clearly had to pivot a bunch. So I've been focusing a bit more on like New York City contents. I've been milking that a lot. So overall, I did end up making more than I did the year before. And I think because people were obviously a bit bored, they were, uh, A little bit more engaged with social media.

So I, yeah, I really benefit off that of it. That was one of the things that was huge for me. I remember back in March, everything dropped by like 50% overnight. I actually got kind of worried because I'm like, I can't talk about the stock. Like, how to invest your money? Because if the market's going down 10%, it's like I make a video, the market goes down 10%. I look like stupid in the short term. Right.

And I was really, I was really worried because everything dropped. 50%. Yeah. I think there was like a sponsor or two that were like, we can't, we don't want to commit to, of course, we don't want to commit to anything now. But then almost as quickly as things went down, they just doubled. I mean, everything just went nuts. And thankfully, the channel ended up doing really well last year.

Same for you? But yeah. Like numbers wise too, it just took off. Yeah. I mean, I've seen it grow obviously. I would say ad rates overall have stayed the same. Okay. views went up.

Yes. I think more people paid attention to personal finance during a time like everyone was watching the market. So like

address down views went up and that balanced you down. Yeah, it could pump up more content, definitely. So how many income streams would you say you have right now?

I would say, okay, let's see. So if I counted them separately, you could say Instagram, sponsorships, YouTube sponsorships, YouTube AdSense. I sell photo presets,

which isn't a lot. It's a little extra. So it is essentially like a lot, you know, so I guess for someone who doesn't know, it's like a photo filter that I've created essentially. And then you can go into Lightroom and you can use it. It's a popular thing amongst like photo, like. Is that what Bryant does?

Yes, exactly. So it's people who are like, yeah, are more into the photography realm or even like the artistic side of video. So like a lot is what you'll use. You'll kind of like smack it on a video and it'll make it look pretty essentially. So photo presets,

affiliate links. So like epidemic sound, reward style is a big fashion one. Amazon, things in that category. And then I'm finally working on merchandise. I'm a little late to the ballgame on that. But that hasn't come out yet. I'm surprised. If you're in fashion, you haven't done a merch line or something like that yet.

I've been very picky about it. I wanted to wait until it felt just right. Okay. Or makeup. Makeup. There's a lot of money. There's so much money. Have you thought about that?

Well, I don't really do a lot of makeup. Makeup is like its own kind of scary sphere. It's very intense in the beauty world, but there is definitely a lot of money. I feel like people would rather make up from a small creator with no drama. Agreed. Nothing to it.

Just good makeup at a good price. I'll have to pitch this to my manager. I'll be like, all right. Oh, you have a manager? How does that work? Why do you have a manager? Do you don't have a manager? No.

Okay. I guess that makes sense. Well, I also when I started, I was like, when I started making money off of it, I was like 19, And I was in school and it kind of just helped me be able to negotiate contracts. So I'm technically, I'm signed to digital brand architects, which is like a digital talent agency. And technically I have a manager who manages probably similar contracts, helps negotiate brand deals.

Will connect me with a lot of like on the ground brands within New York City. I'll create merch line and stuff like that. Are you comfortable sharing how much you've made last year? You don't have to say. You don't have to say. I could tell you my average rates. Your average rates for like integrations? Yeah.

Are you able to say that? I don't. It's funny enough. Like if all the things I... That's the one thing that we don't say that. That's the one thing I do because then it gives away the competitive advantage because one sponsor might be like, ooh, they're paying way less. I could get away with paying less.

So that's the one thing. I grouped them all together. I'm like last year I made X amount from sponsorships, but I never say how much individually because when you try to negotiate them, they'll use that again. against you. It's a bargaining tool. It is. Oh, no.

So of all the things, we just saved you on that. Don't do it. Don't do it. Pre-tax or post-text? I would say pre-tax. Pre-tax, yeah. Do you know what to say? I don't know.

I'm like debating in my head right now. You can ballpark it. You can't. It doesn't need to be exact. If you want, if you want to. I'll make a large ballpark. I'll say it's between like, it's probably less than you'd expect because of ad rates because I have like half a million subscribers.

So I'll say it was in between. 130,000 to 200,000. Okay. That's exactly about where I thought it would be. Yeah. Okay. Yeah. Yeah.

No, I was going to say 200. $250,000 is where I would say. Okay. But I also didn't realize the ad rates were way lower than I would have expected. Yes. Exactly. It's like I'll pump out a ton of content and I'm not making any ad money. Yeah.

$1.800 makes sense if you're making that much. Totally. That's not bad at all. No. Honestly, what you're spending is not bad. Okay. But what about what you're investing? Are you investing to know?

I am. Yeah. So I always max out my Roth IRA. I have since I've been like 18. Cool. I have a 401k as well, even though I'm the employer. It's kind of just like, I have an accountant and they're like, just put your money in there for tax purposes, some money in there. Every accountant says to do this.

I disagree with all the accounts for the 401k. Just pull it on out. Why? Usually the employer sponsored 401K plans, you have to do with ADP, or it's like one of those, like one of those places. They charge such a high fee. I just, I look. I didn't like any of their funds. And then I'm thinking, well, I think tax rates are going to go up.

And I think I'm already in the highest tax bracket. Taxes are only going up. Whatever I save now, I'm probably going to pay more in tax when I'm older and making more money anyway. No? I disagree. I think because your tax savings that you have, like, investing the money will compound. And I think that those savings will like sum to more than however much you pay in tax.

No, but you pay, but you pay the tax later anyway. way and the whole amount. And you don't get long-term capital gains in a 401K. It's all taxed as income. Think about that for us. That's a big one. They don't tell you. Long-term capital gains, you could pull out right now between zero and 20%. And then, of course, you have like the millionaire surtax and a three-something percent. So let's say 23 percent. But ordinary income could very well be at that time 45 percent. Maybe it's 50 percent. That's what I think. I could argue with the accounts. I don't know. You're giving me an odd look, Jack. I'm kind of assuming to that I'm going to be in a lower tax.

bracket when I retire. Really? I feel like I'm going to peak while I'm... Okay. I don't know. I feel like YouTube and this whole bubble isn't going to last forever. Really? Ride it out while I can.

But at least you're aptly preparing. True. Because I'm 24 now. I don't see myself doing what I'm doing when I'm like 40. What do you see yourself doing? To be continued. No, I'd love to go to more like documentary journalism realm. Like I love video as a medium and I want to explore that further.

Okay. But for now I'm loving YouTube. Okay. Yeah. Cool. See, I don't know. I always feel like I'm going to make more money in the future. So I want to, I just want to minimize.

Yeah. That's, I should probably keep that mindset. But I would say, yeah, but I would say for you, if you know for a fact you're going to be in a lower tax bracket, then it starts making sense. But you might be surprised that this could very well just be the very beginning. I think the whole, like Jack is telling you could go on this, that the influencer sponsor space is still really, really small. and it's only going to get bigger.

Really? Because think about it. You made $2,000 for $800,000 views. Like, 800,000 people have seen this. You got to think what people are paying for, like, a Super Bowl ad, and then dividing that by the number of people you were able to reach in that one video. And those aren't even endorsed by the creator of the video who holds the credibility. Right.

Yeah. I think sponsor rates for influencers is so cheap right now. You mean like brand deals or you mean like AdSense? Both. Okay. They both continue. to go up year on year. They both continue to go up though ever since the beginning.

Yeah. And I feel like they're going to continue. Brands are going to continue realizing how much value influence is happening. And then it's just going to keep going up. As they spend more money, it's going to be like a positive cycle. Yeah. I think a lot of companies are sleeping on YouTube. They just don't know.

To make a YouTube video to reach people, watch like YouTube video, they don't get it. And so right now, like the highest ad rates are from, those who usually like advertise e-commerce stuff or social media marketing and they're paying like 80 to a hundred dollar CPMs on some of this thing it's crazy uh but they're they're doing that because they realize like how valuable that audience is and how easily you could tap into somebody even facebook rates are slowly starting to go up as people get in on that i think it's just the beginning um same with sponsorships i think it's people are overlooking it or just how powerful uh just someone's word is like

NELC, I talk about NELC all the time, but they could say anything. And their audience, they'd get a million people just going on whatever website they say. They'll never do a sponsor. Maybe they get endorsed by some gambling websites now. But beyond that,

you've never seen them really endorse anything other than something they're involved in. And they get millions of people that go to whatever they want to. So I think it's still cheap. So I think you could make more money. I think, yeah, I think as content creators,

if you're constantly evolving, yeah, you can be in the game. a while. Yeah. There's always a thought. I'm like, you know, YouTube could just

disappear in a few years. I mean, in reality, no, but I feel like having something that's a little bit more, uh, yeah. I've been worried about that every single year,

but oddly enough, the longer I've gone on YouTube, and you've gone on YouTube longer than I have, I feel like the more confident I am that it's not going anywhere. That's so true. Yeah. Yeah.

It just gets stronger and larger. Right. Yeah. So, like, in the first three years, I'm like, last year. This is the last year. But now like fourth year, it's like maybe it's not the last year. Maybe we got to, I think the biggest thing is just creator burnout. I would say that that's more likely to happen than anything happened to YouTube and that's on you. That's a really good point.

Do you feel burnt out ever? Yes, definitely. Definitely. I think because I do a little bit more like personal, not necessarily personal content, but a lot of it is like vlogs or things about my life and who I am, which is a very strange thing to share with like hundreds of thousands of people. So I think once I pull back and I'm just talking about subjects that I'm excited about and less about like my life, I get less burnt out. So I think constantly changing ideas, finding ways to get reinspired and like keeping content fresh. It helps avoid creator burnout. But yeah, no, definitely I'll go through seasons where the burnout is real. What is something that you are passionate about outside of YouTube and vlogging and stuff like that? Oh, good question. This is a boring answer, but I've like fallen back and

live with reading this year. So I'm trying to read like a book a week in 2020. So that's a big big one where I feel like book a week. Book a week. In 2020 or 2020? Oh my God, 2021. What year are we? Time is a concept. I read a yeah. So I'd say reading's a big one. I enjoy like the like a whole different side of the world of video kind of like I mentioned earlier. So like documentaries and things like that. So I'd love to work on kind of building skills to get to a point where that's, something that it can be due or at least be a part of projects alongside that. Because I enjoy kind of that like exploring. Like for example, there's a series I have on my channel.

It's called Explore New York City. And it's highlighting a kind of under the radar neighborhood that you're not going to find in your tourist book. So for example, there's this area called Jackson Heights and Queens. It is the most diverse neighborhood in the world. It's home to over like 80 languages. So I love going to a place like that, finding a local tour guide through subscribers, learning about the culture, the history of the cuisine.

Kind of like traveling without actually being able to travel. So things like that I love learning about and kind of diving into my answer is your question. That is interesting. I want to know a little bit more about the books. Yeah. All right. Should we go back? How long does that take?

And we're also, what, almost halfway into like the first week? Yes. So have you made progress on your first book? So you're ahead of schedule? How do you finish a book that fast? Unless it's like goosebumps. You can, that would be fun. Read every goosebumps book.

Yes. That's a one for a challenge. attempting. Kindles? I sound so cliche, but Kindles and e-readers are game changer. Because previously I'd wait to go to a bookstore, buy a book, buy one online once someone maybe recommends it.

But I have a Goodreads account, so I'll create like a backlog, essentially a books I'm really excited about reading. And then I can connect Libby, which is a library digital rental app, essentially to my Kindle, and read books for free immediately. So as soon as I finish a book and I'm excited about a new one, I can rent it for free or for just a few bucks off Amazon. immediately. Whereas before I'd kind of like wait to get a book and then with the Kindle I can bring it

everywhere. Like I have it in my purse right now. I read it when I had a little time to kill. What book did you read? I just finish Trick Mirror, which is a book. It's a collection of essays. It's like cultural, she's like a cultural critic. So like feminism and stuff like that she kind of touches on. And then I read a fictional just for fun book that was called the seven or seven husbands of Evelyn Hugo. So those are the two I've read in 2021. How do you continue to find interesting books? books like every week because even in picking movies like I can't do it like I genuinely I don't even watch movies I can't it's like 30 minutes just to find one thing and it doesn't turn it on it sucks and you have to find another one I just I can't even deal with the stress so I just turn it off and I don't

end up watching like anything because it's so difficult to continue to find that's because you should be working I know yeah and then I go back to work yeah you know honestly subscribers come in clutch I a lot of times will ask in a post me like what was the best book you read this year what's like a book that was really impactful or you just enjoyed and got lost in and they come through. Do you do audiobooks as well? I haven't really gotten big into them. I love podcasts. But listening to like a seven-hour book, I'm like, I'd rather just read it.

What's your favorite podcast? This one, obviously. Yay. It was your second favorite podcast then. Okay. If you don't know it, it makes me sound a little crazy, but my favorite murder is my favorite. I love true crime. Should we be worried?

Yeah, exactly. Watch out. I know. Everyone's like, what's wrong with you? It is like top 10 podcasts. It's on Spotify or Apple Podcast or whatever it's I've never gotten into that. Any crime shows like that?

I can't watch them. It scares me. My grandma used to watch a whole bunch of things. When I was like five or six years old, like those, I don't know if it was true crime, but like where people were like, just the horrible stories.

And I'd listen to those and think like that's going to happen to me. Or this is like a break in. So at five or six years old, I would have this thing where I'd have to go around the house. I think it was, what do you call it? When people have compulsions? I want to go.

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German engineered for all Obsessive compulsive Yeah OCD And I think it was like a low variance of that Because I would have to go and check every door twice Before I went to bed Because I was afraid if I didn't lock the door Someone was going to come in

And like what I watched on TV was going to happen to me And that lasted years Until I finally broke that But I would have to go and lock every door twice Grandma scarred you Oh no Huh? Grandma scarred you

Yeah Or grandma shows it. But even now, I get freaked out because I don't like hearing about it. It just freaks me. It's like, it's real. Like, it's different than watching like a zombie movie. But like, I can't do that. Okay.

So now that I've gotten my creepy one out of the way, another podcast I've been liking at the moment is called She's on the Money by Victoria Divine. And it started off as an Australian duo. And it's basically a millennial money expert who talks about just finances. But I feel like there's not a lot of like female. email focused material out there. And so that's what kind of do it to me originally.

I was like, okay, here's two women talking about money and applying it to women's lives because I feel like there's a bit of a, you know, the disproportion of the gender roles and finance. So really like that one just for kind of touching on. Why don't you make some personal finance content like that? Your CPMs. You could do really, you would make so much money. I have some more coming out.

I've started to, like, I'm all about talking about like the base level of financial education. So I mean, I've sprinkled in a few videos and they've done really well. and they've been, you know, gotten pretty good views for my channel, been received well. So there's more coming out. Notable higher CPMs as well. Definitely.

You should do, what you should do to break in that is do a video what I spend in a week. I've done one of those. You have to? Yeah, but it was like a year and a half ago. You got to go deep. I make a lot of videos.

Yeah, make another one. If you do it, we're going to definitely report. Yeah, yeah, yeah. Go find my last one. They're telling me what you think. Okay. And I'll do a quarantine version. They do it.

They do really really well. They do really well. What I do what I spend in a week? I did that and then I did a like mistakes to avoid in your 20s finance videos and those both did really well view eyes for my channel and I was like okay something's going on here and so I've since made a few videos on like saving budgeting, very base level. You don't what would do well. How to make $100 a day online in 2021. I was going to do so well. I actually was just brainstorming a video yesterday about how to invest $100 and just like basic tips.

But making money online can be really interesting. I like both of this. Do start off with how. to invest $100 in 2021. Yes. Wait a few weeks and then how to make $100 a day online or something. I'd be like, yeah.

I don't even know what I'd say. Grow our YouTube channel overnight. Just watch Graham's videos and make Ryan's videos. Something like that. I would start off, do that, yeah. I would start, I would do those. All right, stay tuned. They're coming out.

Yes, that's the plan. I have a list of finance videos that I'm excited to make. Cool. Speaking of finance, how many credit cards do you have? I have two. Which ones? Well, I had like, I got a, beginner discover card just to be able to get a credit card because I recommend that one

yeah no one would give me a credit card because I was young and then now I have the Chase Sapphire great cards I think you need the Amex gold okay that would be a good one for dining sell me on it decent for travel they give you I think it's like you could find it off for 50,000 points when you spend 5,000 or 3,000 or 5,000 in the first three months so you get enough points back good all-around card and I would say good for right now when you're not doing too much traveling but you're spending some money here. Exactly. That's a good card.

MX gold. MX gold. I'm going to look it up. Yeah, that's why I got the chase one obviously was for travel, but that's not really. Yeah. It's time for me to get another credit card. So get another credit. I think now is the time before you, are you looking to buy it like a house or anything

at some point? Not at the, I always like to look because it's, I don't know, I enjoy. I think it's fun. Not probably for another couple of years, at least a year or two, but, you know, it's in the marriage future. I think realistically probably Southern California. So my family is in Orange County, and I think there's a few areas. left in Orange County that could be interesting to buy into.

But I love living in New York. So I don't know if I live there. What about taxes? Yeah, that's a good question. The mass exodus. Yeah, I know. This is going to be one of the few podcasts that we're going to film in L.A. Because really, most of this after this is going to be in Las Vegas.

Yeah. Well, I guess for me, the day-to-day living is worth paying a bit more taxes to live near the ocean or live in a place like New York City. but I know that's not everyone's cup of D, obviously. But have you been to Vegas? I have. Exactly. It's nice.

Nice. You know, I'm not going. You know, it's each town. Why don't it one? I love spending time outside. I love, like, I either love the energy of the city and the hustle and, like, the constant opportunity of a place like New York City, or I love, like, the ocean of California. And I know, I know Vegas, you got, you got some outdoors.

I actually did a trip with the Vegas Tourism Board, so. Cool. I got a little lay of the land back in the day. But yeah, it's a really cool place. Where do you waste money? Yeah. What kind of stuff you spend on your money on? Okay.

Let's think about my money breakdown here. I say, so this past year, the one place I probably could cut back is eating out in New York. I ate out a lot because it was like the one social thing. I was like, I'm supporting small businesses, but I probably overdid it a smidge. I would say to give you guys numbers. I'm supporting a local bit. I'm like, I'm supporting.

It's not lifestyle. I'm supporting local business. And meanwhile, it's like master's. The cheesecake factory. You're like, what are you doing? Because I know you guys love numbers. I would say I spent probably around per month

around like 250 on groceries. And then for eating out probably like 500 to 600, which isn't, New York prices. In New York, you cannot find a meal, unless you go to Chinatown, which I love Chinatown.

You can't find any meal under like $15 and there's tax and tip. You have to do a millennial money. That would be fun. They would love to do that. I bet. It's scary. It's pretty bold for people to put it out there. But it is, I don't know.

Everyone's going to like it. They are so thorough there on their finances. I hated going through the process because it was worse than getting a mortgage. They don't trust your numbers. You tell them. And they actually caught a few little errors on my end. Like I thought my car payment was $10 less than it actually was. Oh my gosh, just $10.

Yeah, it was something like that. Like I sent them like $6.30, but it was actually like $6.40. Like some little stuff like that. But they corrected every little thing. I mean, it was. It was intimidating for me to have them look through everything. Even the apartment video, which obviously not nearly as much, but they're like, give us the actual statements to like clarify.

Like, this is the rent price. This is like gas electricity and all that. Which I'm like, you know, like, got to be thorough. When Glamour did their video, it was just how much you make. All right, that's good. Nothing whatsoever. But millennial money was like, they're on. I think they saw millennial money do it.

And they're just like, well, we'll trust them. They must be. They must be good. That's true. Okay. Other areas that I. Splurge. I splurge.

Okay, yeah, definitely. Food. Travel pre-March 2020. Maybe like health and wellness. I like, I have a, this is really expensive. But I do F-45 and for an unlimited pass. So it's a workout class essentially where it's like high, like hit high interval, high intensity interval training.

And it's like $300 a month, which I know gyms are, Way cheaper, but for me, I was like, that's going to be my splurge this year. Okay. Because, you know, mental health benefits, physical health benefits. Can't put a price on that stuff. But, yeah, even like Equinox is cheaper, so it's definitely there. But I think for myself, yeah, it's like things like health and wellness, I'll pretty much be down to splurge on if I'm like, this is going to make me feel better.

The perks of the industry I'm currently in is that I don't have to spend pretty much anything on fashion or beauty, which I think for most gals in my age range, that would be higher for them. I don't know. I'm trying to think of something juicy. I don't want to make. No, that's not bad. It's good that you aren't spending a ton of money. Yeah. I think this year, of course, there's a bit of that scarcity mindset. I'm like, let me reel this in. And I've never been a big spender. I wasn't raised. That wasn't, yeah. So I think I've always kind of had this mindset of like every dollar counts. Don't overdo it. Save for your future. What have you talked about your other podcast? Like, what realms do you guys touch on? We've talked about biggest

insecurities. That's always a fun one. If you want to talk about that. Okay. Just an NM general. In life. Yeah. Okay. Well, you guys want to go first? Let's hear so you're I've already done it. I've already done it so many times. We could go first. We could go first if that makes you feel better.

I think I can. I can definitely come up with a lot. All right. Go for it. Go for it. Well, I'm interested. You might not feel this way, but I definitely get insecure about telling people what my job is for sure. What? Oh yeah. That's the silliest thing I've ever heard. You should be proud of that.

And they're like, what are you? I'm like, I work in marketing. Don't ask. Why? You don't feel that way? No. I think I'm still around. Maybe it's the New York Hustle, as opposed to like somewhere like Los Angeles,

where people are very accustomed to like social media. And most people in New York, like they don't care. But there are, you know, in general, I think, yeah, being a YouTuber carries a certain connotation or people have a certain perception of it or they don't really understand what it actually entails. so I do get a bit insecure about being like I never would be proud of that YouTuber with like self-importance

honestly yeah I think so are they like like I'm like self-obsessed which I don't think the average person who doesn't watch a lot of YouTube doesn't understand like how multifacet is like you can have a finance channel you have a tech channel you have a travel channel like it's not just this like I post like selfies all the time I'm an influencer I think there's a lot more to it

and there's a lot of value that it can give etc but yeah that's what I'm trying to get over Really? I'm trying to be proud of being like, I'm a YouTuber. I think it's silly. I think that's totally silly. You should be proud of it. I never tell people YouTube, by the way. I always say real estate just because I don't want to explain it.

Well, I just don't want to explain it. I just don't want to explain it. And then too, if like a random person is asking me, I'm like, well, now I think you're probably going to go look up my life. Yeah, yeah, I don't like that. I'm like everything about me. And I'm like, of course I'm the one that put it out for it. But it's like this weird. You know what they do?

The first thing they do, if I feel like, I do YouTube. Oh, really? What's your channel? Graham Stephan Exactly pulled up Oh wow Two and a half million subscribers

Um Yo we should we should hang out sometime We should uh We'll grab some lunch Um Let me get your number real quick That's what they always do And I'm like I don't give up my number

But it's awkward Like can I get No No you could send an email Oh An email Oh what I know

Email I'm like I check my email Jack I check my email a lot Yeah I that's the part So I like saying I'm in real estate

But then you usually get that, oh, how's the market going on? I was like, it's good. Oh, yeah. Placed down my street that sold for this. Was that a good price? I'm like, I don't know. Maybe. So it's just the explanation.

And I think it's becoming more normalized. It is. So as it gets more normalized. Yeah. And as I make content that I really enjoy to make. All right. Well, I never would have guessed that. Yeah.

I don't know. Maybe that's, okay. I'm feeling more confident. Yeah. I'm getting over the insecurity right now. All right. All right. What else?

Let's work on this. What else? Okay, now you guys have to share one. Well, mine was my height. So that was my height. That was my too when I was younger. Really? Because I'm so tall.

How tall are you? I'm six feet with no shoes on. So I want any shoes on like six one. Wow. But you could reach like the top cabinets. That's something I could never do. I got to like stand on the countertops to reach the very top ones. I can always say that.

There's perks. Yeah. Frozen cons. Jack, you're next. It's the stupidest one you're going to. I don't like how pale I am. I'm really pale. because you're under my bags

I guess I guess it has to do with like my it's just under well it's been so overcast lately that's true I don't know I work inside like I can't go outside and I spend most of my day

working I can't like go outside you gotta ring the laptop outside that's what I did because like this past year I'd go I stayed in my parents for a bit when the pandemic was getting gnarly and yeah I'd work outside just take away

I love working outside yeah all right sorry we put Jack on the spot here here. Gonna have a whole bunch of comments. Jack's not pale. He's not pale. I know.

It's so weird because we did a podcast where we talked about our biggest insecurities. And then we opened up, you know, we talked about him. And then people are like, yeah. Well, like, Graham was okay disclosing his. You know, Andre, who was our guest, was okay disclosing his. I was a little bit like more if you know it, but I just did it. And then everyone in the comments like, oh, you don't have to worry about that. Jack, Jack's other one was he says he doesn't have a symmetrical face, which is like,

I thought he's like the most. it's stupid thing it's no look you can see I know but some more asymmetrical than I'm just do you think do you think Jack's face is symmetrical no I think it is okay if you say no because I know it's but it's weird because now people in the comments

I still get comments to this day that are like Jack you don't have to worry about that your face is so symmetrical and like that's kind of sweet I know it's really sweet and I really appreciate those comments like don't get me wrong I totally do but I just don't want that to be like a talking point you know exactly because I'm consistently attention to it. Yeah.

Because like I'm, some people commented on my Instagram. My mom follows me. And they're like talking like, you're like, oh, I see what you mean now with the asymmetrical this. And then someone,

someone responded to it. And they said, how could you say that? And there's like this fight going on in one of my pictures. I love this. Where two people are going back and forth about my asymmetrical or symmetrical things.

Yeah. That's the problem of sharing too much vulnerability. I know. People dig and deep. Yeah. Someone's going to come up to you in person eventually and say like,

well, Let me see your face. Wow. It's like really. Yeah. You have nothing to worry about, man. It's not like a lot less paled person. Yeah.

Yeah. It's not like huge deal. You know? I do get that like in public because I'll say in somebody's like, oh, I'm taller. They'll like see how I'm tall I am. But then in public people are like, oh my God, you're a giant just because I'm taller than most people expect. Yeah. Is your boyfriend taller than you?

Or are you taller than you? He's a bit. He's probably like an inch and a half taller. Okay. He would say he's taller than that. He's probably like six two. Okay. He's probably like six three.

Okay. Sorry, Fletcher. Well, can I use my height? I said that one early. You said that one. I've done two. You said, I don't really done one. Mine, I can't grow a beard.

Me neither. Oh, I hate that. I know. I don't like my body hair. Wait. Okay, I can think of a good one. I don't like my nose. Because when I smile, it goes down.

All of us do. Mine goes flat. Like, when I smile, it goes down and like turns in a little hook note. What? I've never noticed that. I hate it. See now people are going to notice it. Yeah.

Oh, I see what you mean. I'm like, damn. Why'd I draw attention to it? Yeah. Like, if I'm standing normal, but if I smile, it dips. But. Yeah, now. No, yours doesn't do that.

It's crazy. I one time I had this stranger because I, when I was, I traveled solo, I lived in France solo for a bit. And I just had one time I was like sitting in a life tower myself being all a melodramatic 19 year old. And this man came up to me. He's like, I love how expressive your nose is. Like, and I was like, what do you mean? And then after. that, I've now always noticed that my nose

moves when I talk. How expressive it is. Who sends that? That is a weird. Was he hitting on you? I think so. Because I was like, I want to sculpt you and I was like, this is getting weird. I need to go.

This is New York? This is Paris. I want to sculpt you. I feel like this is something that the locals say to like the tourists is like a way to like. I know. That's funny. I'm sorry. Yeah.

That's got to be a numbers game sort of pickup line. Yeah. Like he just goes in and says like, I love how expressive. And then insert. body part here. Let me sculpt you. You want to sculpt my nose. And then like out of a hundred times, it's got to work once. It's got to work enough for him to continue wanting to do this. I know. People are weird out there. That should be your go-to pickup line. What? I want to sculpt you. I want to sculpt you. Going back to my place right now. Just make a little like claymation.

Just imagine it's really bad. It's just horrible. Like you know in third grade how you have like the clay and it looks like a snowman a little bit. Yeah. I can see it now. It's a numbers game. You just, you say it enough. Eventually someone's going to be like, yeah. It's found to work. One of the times. I'm going to love that.

Have you guys ever lived outside of the States? Canada, right? Yeah, half my family is Canadian. So I would go and spend about two months a year there. Okay. We're in Canada? Which part? By Toronto.

London, Ontario. Okay. To be specific. But I would spend about two months a year up there in the summer up until maybe I was like 18 or 19. And then it went down to like a few weeks at a time. and now I have not been up there maybe two years. Gotcha.

And now, Las Vegas. Nice. There go. Basically another world away. Have you? Yeah, I was born in France. I lived there until I was four, but I'm not actually French. My parents were just working there.

They didn't teach me French, which I'm still bitter about. But I was 18. I started a university. I started Azusa Pacific, which is a university in East L.A. And didn't like it. And so after a year of it, I was like, screw it. And I went online with my classes and, like, dropped out. at school, went to a community college online for like a little over a semester and then moved to France

on my own. It was an au pair or a nanny out of. Wow. A nanny. Yeah, there's like a, you can be an an au pair essentially and like live with a family for free and then watch their kids part of the day and then just do your own thing. I didn't speak French. I don't know anybody. I just kind of like sent it, but that was when. Not really. Just don't poo. Just a little bit. I don't know that. And that's when the man said he wanted to skull my nose. So I've not been back since. Yeah. I'm like, oh, Gosh. Match if we asked, how was the sculpture?

Is it good? I know. I went the opposite direction. Not today, sir. It's funny because I've never told the story now, like hundreds of people are going to hear about this. I feel like you should make the story time, right? I would have some good study or abroad story times. Like what else?

Yeah, yeah, yeah. This one, let's see. Well, one time when I, so I, like, this one's not, it's not that this is, like, particularly funny. But when I, so I backpacked alone in Switzerland for a while. This is another one I've never told anybody because I didn't want to freak anybody out. But I was up and I was staying in this really small hostel. And I like got sick and I literally had a, I fainted and had a seizure or traveling solo. What?

And thankfully someone found me, but I never told anybody because I was like, oh no, because I was a little bit younger too. I was like my parents are going to like, I mean, I was paying my own way, of course. My parents would never let me go. I think I was like 19 or 20 at the time. Okay. I thought like you're like 14, 15. Oh, I thought like you're like 14, what? Okay.

Not that young on the road. All right. Okay. But traveling solo is always a fun time. How did that happen? Did they save you out of the seizure? Yes. There was like,

immediately a nurse checking in and was like at the same hostel and she's like, let me help you or she like saw me fall in then. Is that the first time you've had a seizure? Yeah, first and only time. Why? I think it was like high altitude

because I was in the Swiss Alps, blood pressure. That causes. How long were you seizing? Not for a long. It wasn't that bad. They took you out of the Caesar? I don't know.

The seizure. I think you just like wake up. I don't know. You're saying it like Caesar salad. The seizure? I don't know. I woke up, but I was like,

there's people standing over me. I was like, oh my. What did it feel like? It's like the, have you guys ever fainted? No. It's like black

like starts to like, it's kind of freaky. Yeah, it's like blackish purple dots start to close in and then it goes all black. I've never fainted. Have you? Don't do it.

Why? How? Dude, I got my wisdom teeth pulled out and I woke up really late at night. It was like 1 a.m. And I had to pee. So I went into the bathroom and I peed and then I was walking back to my room

and I looked at myself in the mirror in the bathroom. And I just felt like weightless. Oh my gosh. Uh-oh. Surprise. You're actually on like my show. I'm like, what is happening right?

I was out of it. I was in my mind. And I just like, I started falling and I grabbed onto the towel rack. And I just like pulled it down. It made like a huge ruck. Wow. Things started falling on the ground. It just collapsed on the ground.

And then I just heard like someone barreling down the hallway. And my dad opened up the bathroom. Oh no. What is going on right now? I was like 18. You know, like I should be falling down. And that was it. Never fainted.

Good. Was it ever scary? traveling alone. Amazon presents Jeff versus Taco Truck Salsa, whether it's Verde, Roja, or the orange one. For Jeff, trying any salsa is like playing Russian roulette with a flame thrower. Luckily, Jeff saved with Amazon

and stocked up on antacids, ginger tea, and milk. Habaniero? More like habanier, yes. Save the everyday with Amazon. Um, a bit. There was a few times where when I was in, because I was 18 when I was in Paris, so I was a bit naive. So there's a few times where I probably should have been safer than I was. I went to Berlin, Germany alone. And it wasn't scary, but I went to a few clubs alone or like met somebody there, like met a friend through a friend and like would go out to the clubs. And then being out really late alone is not always the best call. But overall, I think it's, uh, especially

I've only done it in European countries. I haven't done in other parts of the world. So in European countries, as long as you're pretty smart about it and you overall, are safe. I wouldn't recommend going out late alone and drinking or something along those lines. But if you're playing it safe, it's definitely doable. And I think it's, like, such a good experience for most people. I've heard it's more dangerous for some of the guys getting mugged or, like, lured away. Or, like, they put stuff in drinks and then you're out and they take your wallet and stuff.

No? I heard it's worse for guys. Intuitively, I feel like it would be more dangerous for the girls. I don't know. I would feel safer as a guy walking than I would as a girl. I just, I don't know. That's intuitively. I feel like they would go after a guy because, like, they'll have money or a wallet or something just.

But a woman would have a purse that would be, like, exposed and your wallet would be walking. I guess so. Just risky across sports. I guess so. What is your least favorite place you visited? Like, was any place just miserable? She'll say Las Vegas. Las Vegas.

Final answer. I feel like pretty much everywhere I've gone Wait, it's the worst Oh, you like everywhere you go Oh, okay I didn't love Vegas That was the one spot It didn't love Vegas

It's not bad You didn't see the nice parts You know when you start to summerland Yeah, when you see those areas It's nice I'm not a fan of the strip At all in Las Vegas I can't stand

And I know there's so much more to it And I'm just putting it in a small box I need to explore more I originally did not want to move to Vegas I thought like as cool as it could be I just don't like it until I saw Summerlin and Henderson, saw the communities, and instantly I was sold. See, I feel like that's like I try out.

Yeah. And what's your game plan? Like, what to you is bigger than making money at this moment or building like your YouTube career? Oh, so good questions. Well, I think when the world opens up again, I would love to travel full time for year. Maybe get a van. A van in Europe would be really cool. Okay.

But that would be neat. That's true. That's true. I love international travel. So I'd love to spend a year. If you guys know the channel, Kar and, Nate, check them out. They're really cool. Yeah, there's the whole travel sector of YouTube that I'm a big fan of. And they just went for a year and their channel blew up because they just

dedicated and they just for a full year. They're like, I'm going to travel and go for it. That's something I'd love to do. Maybe get a van in Europe. And then, yeah, keep trying YouTube out and then potentially kind of shift into other careers, taking the skill sets that I've taken here and moving on forward. Kind of like we talked about earlier, might be in a lower tax bracket. So hoping to save of a bunch now and then have that flexibility in years down. Is that preferable? to you to change out of the YouTube career and to go on somewhere else? Or is that like a game plan that is like secondary that would be like.

Yeah, it's hard to say. I think kind of like I said, yeah, I don't know, YouTube is so nuanced. And I think the category I'm in is interesting, this like lifestyle sphere. So I think if I could keep shifting and creating content that I'm really excited about. I could see myself doing this for a while. You could do a reaction channel. Those are my. I love that.

You should. Start reacting to stuff. What should I react to? What would you do what? Jubilee. Oh, yeah. Jubilee. The 30 versus one series would be amazing.

I love the dating stuff because I like to understand what's going on in people's heads. So like when they're talking about like what they find attractive or what they don't find attractive, all that stuff is so fascinating. Is there a female version of that? Like someone reacting to that from a woman's perspective? Because I feel like it's all guys. It's all guys. It's like I watched, I don't really watch PewDie Pye, but I watch this video because it was his reaction to like a 30V1 or something. Or where a guy picks out the most attractive moment.

Oh gosh. They're so cring. cheap but interesting. They are, they are interesting. And, you know, the women pick out who they think is most attractive one through five of themselves. Yeah, but it's based of, I think they based theirs on personality. Yeah, they, well, kind of, and they kind of had a skewed idea.

And I'm like wondering, like, I feel like it's kind of obvious who is more attractive and who isn't out of this group, right? And then PewDiePie went in and he was like, okay, clearly it's just this, this, this, this. And he labeled them one through five as most to least. And I'm like, that is exactly what I was thinking. I think guys are pretty much all in the same age. It's somewhat objective to some guys.

I'm not going to say there is like one objective, you know, idea of what beauty is, but like in some cases, you know. Do you think the women wanted to actively choose a diverse group of people to kind of be like, hey, we're not, you know, I think so. Potentially. Yeah. Sometimes when they were organizing it, I felt like are they trying to be polite?

That's what I thought. Are they trying to be like. Because some of those, some of those were like, I definitely don't deserve to be a number one. But they're so pretty. But you should be number two. No, no, I should be number three. It's because they already have the confidence.

They know they can take the hit, you know, so they can give someone else. That's true. Isn't as attractive. That's true. Or they don't want to appear on cameras. Like, guys, obviously I'm the number one. Come on. Also, to be like overconfident is unattractive.

Overconfident. Yes. So they would rather be called attractive than think that they're attractive themselves, I feel like. Also, that depends what sector they're in. Like, for example, my roommate's a model. And, like, you know, she'll be, because she's actively around the most beautiful people, like, as viewed societally in the world, like, I don't think she's as confident

as she deserves to me. Because I'm like, I see her, I'm like, you're absolutely beautiful. Like, you're literally a model in Vogue, like, working for Chanel, whatever. But because she's surrounded by these people, like, I think, you know, there's, like a song where it's, like, yeah, models essentially are like, it's a Billy Islandish song where it's, like, swimming pool. I don't know. It's like something to do with like models, because models are still in those.

If teardrops could be bottled, there be swimming pool. Yes, you know it. How do you know this? That's like the one billion. Same, right. I'm like, why did that discover that? Wait, so what is it, Jack? It's a profound lyric.

What is it? If tear drops could be bottled, there'd be swimming pools filled by models. Exactly. Yeah. So sometimes the most beautiful people are still the most insecure based off the environment they're in. So maybe they really do.

I don't know. I'll have to watch the video. Okay. Watch the video. React to it. I think that would be interesting to get your perspective. And you have to be completely objective because it would be not very, it would be kind of worthless to watch someone say like, oh, you know, and then they're obviously they're not

giving what they believe to be true. You got to be harsh. But I think there's different beauty ideals to different people. 100%. Yeah. But yeah. I don't want to go into like there is, you know what I mean? It just feels wrong.

That's like who creates the beauty ideals? Like it's just passed off for media and then who creates those. I don't know. It's like cyclical. Yeah. Exactly. Yeah. It would be interesting though to get your opinion on that.

I don't. I'd love to watch it. I would start doing that. That's another thing. You could do that from a van. Graham is not giving up on that. I'm not because I know. I know.

I know that you would be able to increase your income by like 30 to 50% if you did the van and posted twice a week from the van. Twice a week. Twice a week. How long did you do you guys to edit? We do seven videos a week. Jack does four videos. I do three videos.

The video I'm doing right now. I'm already five hours into it and I'm like less than halfway through. The article one's taking forever. It's going to be a good. It's going to be a good video. But how do you guys do that? I can barely pump out. Because you get used to it.

I know, but I'll work. Like, for me, I'll take like 15 to 20 hours that I'm video. And then I'm trying to do other things. Like, I'm doing Instagram campaigns and whatever that like, I feel like I work at full work. Maybe too much. B-roll. Maybe too much. Yeah.

Because, like, too much. Cinematic. I've noticed sometimes some of the vlogs, it's just like the quick cuts, no editing. Just, what you'll be a lot of it? You can tell grandparents, though. those are the videos that tend to do the best. Like, I am a true believer.

And Shelby Church is like this too. Her videos are so well crafted. They're so cinematic. It's like you're watching a movie. But sometimes it's just you want to click a video, zone out for 12 minutes, and just be done. And like, you don't appreciate all the B-roll, all the work that goes in versus like,

and then put the camera on. Flip it back, like, eat it. It's sometimes I feel like that's good enough. It's good enough. That's true. I think it really depends on the topic. Because yeah, if you're just like sitting down

and you're sharing information, I feel like you just chop it up real quick, edit it and put it out. But then sometimes you want it to be cinematic. Sometimes I'd probably go overboard. I feel like if you took your editing down, you cut it in half. Yeah.

But you posted twice the content, you would get 90% of the benefit for half the work. No? I disagree. I really appreciate the cinematic stuff. Like I genuinely do just as a viewer. I think it enhances it. experience a lot. And also, I think your time value as just like an influencer is so much more

worthwhile than like, you know, your time value as an editor. I encourage you to outsource your editing. Just this past year, I finally started. I put out like on my Instagram store. I was like, I need an editor. So I'm slowly starting to test it out. Starting to be a new area. Like one that you will be able to talk to. This is what. Get a jack. This is what worked with. So like I would edit the phone calls, which were super easy, just camera switching and stuff like that. But then I started editing all the other stuff on the second channel. Of course, I watch his video, so I'm familiar with it. That helps a lot.

And then I watched over his shoulder as he edited a video. Oh, that's smart. We did like two hours of that, maybe, and then he handed it over to me and I edited the second half of the video. I watched him at it and I critiqued behind the shoulder. And then for the next, the next probably two months, every single video that I did, Graham and I would rewatch it together and we would point out like a lot of the things that we did. So we'd be like, okay, what about this cut? What about this as B-roll?

Oh, what do you think about this? Those are the days. Those are fun. Those are the good. You miss that. And we would do that. He would come down and go through everything together. And it took a while, but I was able to understand his thought process as he's editing.

And then, of course, I can't mirror it exactly. I can come pretty close. But then I can also enhance it with my own kind of like idea and creativity and stuff like that. So I feel like it's a good blend when they're able to understand what, you know, I know what you want in a video. And then I can also add on what I think might be funny or creative. Yeah. Yeah.

Jack edits better than I do for the second show because you put some of the time and some of the jokes. What was it? You talked about Leonardo DiCaprio and you put like Adam Sandler. Oh, I don't know. There was something like that.

It was so funny. Yeah. I forget what it was. But it's just, it's better because Jack could put in the time that I could not put in. That's fair. Yeah,

I feel like a lot of what I put out so far, I do kind of rely on that cinematic value and that is an element that I've like consistently tried to include. But outsourcing, I think, is definitely going to be a major. And you can make so much more money. I know.

like filming and putting up more content. I know. And then just outsourcing this stuff because it's like the 80-20 rule. It's like you're spending so much time editing. Totally. When in reality like that is not worth a lot of money. Exactly.

Well then do you ever run out of video ideas? If you guys are putting out so much content. All the time. I don't have a video plan for Friday. So like that's my... You really just pull it out of thin air and just go for it. Well, no. I spend like hours every day reading the markets

and I'm hoping there's like some story that comes up that I can talk about. But if there's nothing, Jack and I will usually talk about like what good video can I make that's different enough that I could just, I need to plan something. Because if I don't do something in a day, I'm a day behind. Okay. So then the seven videos you're making a week.

You guys aren't putting out seven videos a week. We are you? We've been doing that for over a year. What? This is a Sunday. Okay, I think I need to follow your second channel better. Second channels three days a week. Oh, and then this podcast.

Sunday. Yeah, so we have Monday, Wednesday, Friday, main channel. Tuesday, Thursday, Saturday, second channel, Sunday this. And you guys plan on doing that forever? Or the next year too. we can. As long as we can. I mean, I think, like, really year by year,

because I can't think, like, 20 years out, like doing three videos, seven videos a week. But for the next, like, year, absolutely. And we'll just, we'll play it by ear and we'll adapt as needed. Yeah. Okay. So, I do want to say and emphasize this a lot, though.

I am not a huge fan of just, like, the lifestyle content in general. But I really would watch every single second if you went over a Jubilee video. Yeah. Every single second I would watch it. And I would be so content watching it. I would get a nice snack.

I would sit in front of my TV. Oh yeah. And make it like, you could make those like 20 minutes long and people would watch all 20 minutes. That's a kind of video like you'd see like pop up on your feed and you'd get like that little excitement. Oh yeah.

Let's like let me get ready for this video. And you get ready for it. And you get excited for it. I would love to watch that video. I feel like you got to like it's all about the slow integration to your audience. Because I think if I did like a full 180 they'd get like. I don't think so at all. I get like 20% of these.

I don't think. No. don't think so at all. I think if you just said like, hey guys, like, we just went out today and like for 20 seconds blah blah, blah, I know, okay. Hey guys, we just got back. Listen, and show it like a blog style.

Like, turn your computer around. That's true. Look at this. This video from Jubilee 30 versus 1. We got to watch this. This is crazy enough. So let's go in and you can make it cinematic. Like, you could show the camera like over your back as you're watching it. Have a camera in the front and just like talk. So it's 20 cent coffee.

So it's 20 cent ice coffee. Just critique the video. I think that would be really inside. It's incorporating it into that vlog style, so it's like a little mix of the two worlds. I have a feeling, and you could test this out next week, if you could,

that video would get more views than your other videos. Within, I would say within seven days, that video would get. Um, I feel like that's the real challenge. How does, um,

my, like, I don't know if you do my response. You just want to copy whatever PewDie's doing. Okay. That's literally. Just put your, put your face.

in the thumbnail over their thumb. Yeah, exactly. Maybe a little drop shadow or something like that. Oh my God. Or some sort of comment or remark that introduced. Or some sort of comment or remark that introduced. You want to use the title like the 30 versus one. Yeah, I don't know if my response to do glee.

Yeah. I don't know if my response to is going to be good to get like that. Or reacting. I don't know. You could be like vlog and reaction. No, I wouldn't do vlog. I would, reacting could be honestly good enough. Well, I'd do like some of the best of my channel. Really?

When I put vlog in there, yeah. Reacting too. Reacting too. And that wouldn't be a. terrible video to make. Like, you just kind of watch the video. Oh my God. Wow.

It's fun. It's new. Yeah. Right. Try it. But you have to be blatant with like what you say. Yeah. Yeah.

Like pause it right before and you order them around. You got to be like one, one, two, three, four, five. You could start with a guy. You could start with a guy. One. Because the guy one might be a little easier to do. I feel a little worse judging women than men. Women like, like, band together.

Like they're in a group. They're like, we got to stick in this ladies. I'm not going to like trash any of these. these people, like talk bad about them. I can talk about the men though. Yeah, talk about the men. I think that would be a great episode. I have a feeling.

I think 100K. It all depends on this. Just title and thumb out. That's all it is because the video I know you're going to do well. Title and thumbnail. I love this. Damn, I should just be my content, like strategy. It's so easy because you see it.

It's like already proven out. It's like empirical evidence because Jubilee puts a video and it gets 10 million views plus and you're like, okay. If there's interest of 10 million. people and people know me and I have an audience so they're willing to watch it as well. It's like it's proven. The proof is in the pudding. It is. You know what?

I'll take credit for this too. Shelby a while ago, I told her to get a Tesla Model 3 because of how much content she could make from that. She's been pumping out of those Tesla videos, I feel like. Some of those are her most popular videos because I was telling you, like you've got to get them all. The whole community is huge and if she made Tesla videos

would blah and she did. And I also told her make a video about how much money you've made on YouTube. guess which her video her video got more views than any other video that I've done on that and hers I think is one of the most viewed videos

if not the most viewed video on how much I got how much I make with like a million subscribers or something like that it's like 7 million 8 million views some crazy amount you could do that you could say I did consider that and just show your revenue and not sponsorships I know it's not for you to do that

everyone's doing that now at the end of the year you could do how much money Yeah. How much I made with 500,000 subscribers. Totally. Or how much I make with 500,000 subscribers, that's the title. Yes. And don't go into, maybe you could go into sponsorships and whatnot. Depends.

If you want to lump it, like lump it all together. By NDA, like I'm not able to disclose or whatever. And then just, yeah. I did actually watch just a bunch of, I just watched Shelby's. There's a YouTuber Ali Abdel. Yep. Oh, yes. Oh, my gosh.

Yeah. 50 minutes. I watched most of it. I usually what I'll do is I'll put a YouTube video on and then I'll work out and it motivates me to keep working out because I'm distracted from the pain. And I watched that one. I did skip through a little bit. Yeah.

Like a million pounds or something like one and a half million dollars. Yeah. So if you do this video and you make it cinematic in your style. Like you talk about how you got started. A bit of your story and then you show the beginning and the middle and the end and how much money you make and make it like a 15 minute video, I think easily a million of you video. I bet that would get really good RPM. Yeah.

So there we go. We already got a few topics for you to take away with and that and in the van. I really believe like if you just if you just follow this, it's it's a system. It's the system. This is what YouTube wants. The algorithm is speaking through me to you and telling you what it wants and what it wants. I just want to live vicariously through you. I know.

It's interesting because I feel like I could just come up with these great ideas for other people and then for myself like, out of ideas. Hey, maybe backup plan. You just become like a travel consultant. Or you would be like a strategy firm. I would love that. You know, like I would love that where you have like your income. We'll just call it 200. And I'll be like, we'll split or we'll like, I'll get 20% from everything you make above 250. So like the first 50k I help you make more. That's yours.

But everything over 250, I'll get 20% of that. It's like a few years. But you just got to listen. I feel like that would be it. What could we, I don't know. It's basically being a consultant, essentially, but being paid on income, like I want to be paid on income. Like,

income above a certain threshold if you just listen. That's a good plan. Yeah. If any creators are out there watching this, you know, let Graham know. Yeah.

I wouldn't be opposed. I think for the right opportunity that I would do it. Be smart. It's an investment as well. I feel like loosely, that's what Ali's YouTuber creator

Academy, I'm butchering the name. He created a, course, an expensive course. I think like not that exactly, but essentially having people buy in and he like tells them how he created his channel. I'm sure gives advice and the whole deal.

Yeah, but he's not taking a percentage. I'm talking like, you know, we're really going to get down and dirty and we're going to split. Yeah, really going to do one-on-one, but I get 20%. That'd be interesting. Yeah. I guess we're pretty much.

I think we're good. I do want one thing though. Yes. Because you are so, you are successful and you are young. Okay. I think it would help if you gave us some advice. And it doesn't even have to be about personal finance or about YouTube.

You're obviously doing well in life. What can you advise us on? Doing well in life. I think I'll go off one thing that I'm trying to work on is for one, I feel like I've been fortunate enough to kind of find this career that I'm actually pretty happy to get up in the morning and work on, which I can't say is the same for a lot of people in my age. So that has been a huge benefit.

And I feel like you guys have already kind of found that. But one thing I'm working on doing is taking myself a little less seriously and learning to chill more, which I feel like you guys could probably do as well. I think, you know. What do you mean? What do you mean by that? Yeah. Get out. Get out.

How dare you? Yeah. I feel like, insult me in my own house. I'm here. I certainly, and I feel like when you work for yourself, it's easy to just work 24-7. So I've been trying to be a little bit more active this year. at learning to actually, you know, if we've gone to a point we're able to, you know, we've made good money, we've found a level of success, take that time to enjoy it, which I am

not good at. I am like an achiever at heart where I'm like, I need to be productive 24-7 or I feel like I'm like messing up. So I am actively working on learning to, yeah, I guess just be more present and intentional and like be appreciative of the moment. And that is really cheesy, but that's what came to my first. So I found it helps when you when you talk about like, like not taking like like enjoying it a little bit. Sometimes it really hurts my work. And I was, I was,

I was, I've, that's the exact point of it, man. No, but here's the thing. Just, just hear me out, okay?

I've always had this issue where, like, if I take a few days off or I go and, like, do something, it's so difficult for me to get back in the focus of, of work,

and I find it like, oh, it's like a grind, and I just, I'm more likely to, like, slack off and not do things. And it was, it was Alex Becker that got me into the whole,

dopamine detox. And at first I thought it was like crazy. But his thing was that when you deprive yourself of like a fun and like just all this like stimulus out there like not the stimulus but but like you know movies and like all these things your brain kind of resets to find the more boring things fun so that like if you are not like you're still leaving your house you would find the most exciting thing to do is like let's work and like planet videos and like edit and like all that. and then it becomes so much fun.

But as soon as you experience all this other stuff that really gives you those big hits of dopamine, it becomes harder to get back into it because all of a sudden your brain is like needing more than sitting in front of a computer editing is able to offer you. So sometimes when I just find myself in front of the computer for like two weeks straight working, I get so in the zone and just produce such amazing results

because there's like no outside distractions at all. And like that's what my brain now finds exciting. It's like the hedonic treadmill, but like down. It's like you're sloping down on the head-out treadmill rather than up. Yeah, because you're depriving yourself of all these new things. So it lowers your standard of- No, not exactly not.

It's the hedonic treadmills that you return to your baseline. My baseline is now basically sitting in front of a computer. That's what it is. Yes. But I get the same level of enjoyment doing that over time. Yeah, it's the inverse of it. That's what I'm saying. It's like you're depriving.

yourself rather than introducing new things to remain at the same level of happiness, you're taking away things and you're staying with that just makes it more exciting now to do my work. One day, you're negotiating with suppliers. The next, you're installing a shelf in the back room. Running a business means moving in many directions all the time. Td's new small business banking accounts are built for how your business moves. It's how we're making banking more human. Sure, that's another way to look at it. Yeah, that is. Yeah. Yeah, so what's... That's very interesting. Okay.

Well, I guess I'm trying to learn to... What is it? Work to live versus live to work type of thing. Have you guys heard that? Yeah, I've never heard of that, but it's smart. Where it's like... Yeah. I mean, I feel like if you have a job that you love, there's a combination.

You know, there's a balance in there. Especially when you hit that flow and you're in the zone, it's like such a good feeling. But I think, yeah, learning to enjoy a little moment. Yeah, I don't know. I feel like it's not good to work to live. Because then you have to do something just to live. I like the It sounds bad

You want to build something that you're excited to do It's part of your life Because then you have so much fun doing whatever you do And like that becomes I don't know We're very lucky in that sense We hit a cool spot that we enjoy But how much do you usually work a day?

I usually try to stick to like a 10 to 7 schedule But it always bleeds over So like if I'm in New York I'll get up I go to my workout class I sit down on my desk I'm at my desk pretty much the whole day Unless I'm filming a video Or shooting with my assistant

etc. And I try really hard to cut off at the end of the day but I usually end up still responding to comments and stuff like that but I try to stick to that like Monday through Friday

mostly because like my boyfriend my close friends they're all kind of on that schedule and if I don't otherwise I'll just work every day it's kind of hard to turn off so that's a structure I try to stick to cool so well thank you so much

for coming on really appreciate it thank you for letting us confront you we're almost at two hours this is one of the longer podcast that we've done. So thank you so much. And make sure to get your four free stocks down below in the description and check out my Monkey Pie M1 Finance. Like if you want to follow that.

So with that said, you guys, thank you so much for watching. I really appreciate it. I'll link to all your information down below in the description. Make sure to subscribe. Pester her to respond to Jubilee and make some of that content. Get a van, travel. Yep. And that's it.

Happy Sunday. Well, no, I don't want to say happy Sunday because you could be watching this on another. day. Happy day of the week. Happy day of the week. Thank you so much for watching all of our information is down below in the description. And yeah, until next time. Until next time. Cool. How are you, what brokerage do you use or what are you going to be using? Well, right now I'm pretty much doing everything through Vanguard. Vanguard's great. I love Vanguard. It's easy to use. Everything's there and. Oh, no. What's wrong? Uh-oh. She need the Eindlich?

I think she was biting her finger and I think she got to it. Yeah, some dogs get so excited like biting fingers. She can't contain herself. It's like, oh, I'm like, no fingers. Sometimes it's bad because if you're like deep in focus or like in something and she does something. Yeah, you have like a great thought. Yeah, and she's not entirely potty trained either, so I took her out. Hopefully she peed.

The other thing is you could hold her, but I'm, she's, She'll just go crazy. All right. Let's just try. All right. It's like you spend her out there. All right. Remember, $30,086.

Okay, so 33 episode of the Oscar iced coffee hour. 33,000. Yeah. Okay, I might have to do two takes. I'm not a smooth YouTube, right? No, we all do that. We all do that. Okay.

Whatever? Whatever. Okay. Which, any specific camera? That one. Yeah. Okay. All right.

Hello. And welcome to the 30. episode of the iced coffee hour. Oh, sorry, you got to say ever. Yeah. Ever. 33rd ever episode of the ice coffee hour. My name is Elena.

So far the podcast has made $30,086. $36. That's it. All right. Perfect. Hello and welcome to the 33 episode ever of the ice coffee hour. I'm, so I messed up. No, it's good.

Third ever. Do it again. Do it again. 33rd ever. 33. Ever. Okay. Hi.

I won't. Okay. I'll throw these in at the end if you're cool. Perfect. Okay. Hi, and welcome to the 33, 33. Guys, oh no. You could do it. You can do it.

We believe in you. I'm getting a little puppy love. Okay. Hello and welcome to the 33 episode ever. I'm Elena and it is the ice. Ever. Wait, what did I say wrong? What do I do?

31. I got a, I got a good. Did I say episode? You say 33. 30th ever? Episode ever. Oh, yeah, she's on the cord. Don't bring it down.

Okay, wait. 33 ever. If you mess it out, it's okay. Okay, we'll just roll with it. Wait, say it once. Hello and welcome to the 33rd ever episode of the Ice Coffee Hour. My name is Jack. Okay. So far as of today, the podcast is made like, just you don't have to do it like verbatim.

The only thing is ever is important. Okay. Why is this is so hard. 33rd. Yeah, ever episode. Also 33, not 33. Yeah, why am I? It's okay.

If you say 33, that part is not crucial. All right. And then just introduce yourself and say how much the podcast is made. All right, guys. Yeah. Feeling confident. Hello and welcome to the 33rd ever episode of the Ice Coffee Hour. I'm Elena and today, or as of today, the episode.

The podcast. As of today, the podcast has made $33,000 and 80 or 3380. Good. 30,000. I promise. Should we just keep it? 33. 33rd ever episode.

Why is. 33rd ever. We make it hard. 30,000. We don't. 30,086. Yeah. Want to say it again?

Yes. Okay, go.