The Iced Coffee Hour - Confronting Nate O’Brien | Revealing The BEST Side Hustles For Passive Income

Episode Date: November 7, 2020

Today we're talking with Nate O'Brien who reveals his best side hustles, how he invests his money, how he makes passive income, and how he makes his income - Enjoy! Add me on Instagram: GPStephan Nate’s Socials YouTube: https://www.youtube.com/c/NateOBrien Instagram: https://Instagram.com/Nateobrienn Add us on Instagram:  https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Send any voice submissions to [e-mail]  (10-15 seconds max) can be about anything- and we will respond in the next podcast! LIMITED TIME: Get 3 Free Stocks on Webull when you deposit $100: https://tinyurl.com/yd9slfax Join the 2x weekly mentorship group: https://tinyurl.com/yaexko4o The Equipment used: https://tinyurl.com/y78py5g2 The YouTube Creator Academy:   Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF  For Podcast Inquiries, please contact [e-mail] *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Amazon presents Laura versus Fruit Flies. Swarming your fruit and terrorizing your kitchen, these little freaks multiply at a rate that would make a rabbit say, yo. Chill. But Laura shopped on Amazon and saved on cleaning spray, countertop wipes, and fly traps. Hey, fruit flies, your baby boom ends here. Save the Everyday with Amazon. Welcome to the 23rd ever podcast episode of the Ice Coffee Hour with Jack and Graham and me, Nate O'Brien.

So far, how much has the podcast made us? It looks like it's been about $10,300. Wow. Which is crazy. Yeah, we got to give a shout out, by the way, to that guy in the comments. Every single episode, he's in the comment section. You calculate how much this podcast makes per hour. Yeah.

It's been incredible. We just recently passed minimum wage. And I kid you not. Federal. Yeah, federal minimum wage in America. We're going to get you more specific. And yeah, I look forward to your comments every single time. So that's the first thing I do.

I go down in the comments section. I know he's calculated. Mateo Hall, I think his name is. All right. Thank you. Thank you, Matteo. And thank you for coming on this episode. This is very exciting for us.

A fellow member of the finance community, Nate O'Brien. Yeah, thanks for having me, guys. It's funny how this kind of just worked out. It happened to be in L.A. And it was like, oh, well, let's just make it happen. And, yeah, I think this is going to be fun. This is perfect. So for those that don't know you, you make personal finance content on YouTube.

You teach people how to make money. Actually, you teach people also how to save money recently. It seems like a big pivot. Yeah, I would kind of view me as like the great value version of Graham, kind of, like the kind of just like the knockoff Graham a little bit. The taller Graham. I think we make, I think we make pretty. similar content, although I think maybe in the past year or so it's shifted a little bit.

Like we've gone a little bit separate ways. I feel like I've gone a little bit more into like some lifestyle stuff, talking about like minimalism and everything. And you've gone a little bit more maybe like towards current events and you've got the podcast now. You've got the Graham Steffen show. So yeah. But yeah, saving money.

You used to talk about making money until I got like really like a scammy niche. So I don't really talk about that anymore. I remember that your biggest videos were how to make passive income. Yeah. What was that one? There's one video of yours that has like three and a half million views. It was passive income, how I make $70,200 a month. And that was, well, so I made it because, like, my channel was really down.

I was like, my real time is like 10,000 views. And I had, like, 50,000 subscribers. And I was like, all right, I got to just make the video. I know it looks a little, like, click baby, but I got to make the video. I pumped it out. And I just, I went from 50,000 subscribers to, like, 150,000 in, like, two months. That's crazy. Because when you were at 50,000, that was.

was probably about the first time I saw a video of yours. Really? So I think I saw a video of yours before I started. Maybe it was right during the beginning when we started working together. And yeah, I'd watched a few of your videos. I think a few, did you do, you did side hustles, right? I did. I used to be a side hustle guy.

And I also wanted to get out of that because I just think it's so like, like, I don't sell anything. So I don't have like courses and stuff from like side hustles, buy my course and then like, you know, I'll get you into like some type of like scheme or something. But yeah, I was a side hustle guy for a little bit too. Those are good videos. The best side hustle is to sell people a side hustle. Yeah, yeah, yeah.

So what made you want to do those videos? Were you in college? Yeah. Why on YouTube? I was at Penn State. It was freshman year of college, and I was just trying to make some extra money, you know? Because before that I was doing like manual labor gigs, mowing lawns, like just selling firewood.

Side hustles. Yeah. Like real side hustles. Yeah, yeah. Yeah, that was a whole big thing I had going with my brother. brother, but I realized like freshman year of college that it was so labor intensive and I ended up messing up my back because I'm like kind of tall and lanky. So messed up my back and I was like, I need to figure out how to make money without using my body or like relying on my body.

And then YouTube, it just kind of like when people talk about success, I think about, you know, what like what it takes and stuff. And I honestly think a lot of it's luck. So like I kind of just was in the right place at the right time with finance YouTube. It didn't really exist. Right. Like remember it was like because you, you were there. the beginning too where it's like you go on to youtube and you type in anything about finance and there's no finance it was jeremy yeah jack chapel uh i i didn't watch jack i watched beat the bush uh-huh yeah and uh Alex becker yeah but before that it was really then ty lopez kind of paved the way and then grant cardone was there Dave ramsie was there a little bit uh Patrick bet david

uh those guys yeah were really early on too Gary v a little bit he mostly did the the work like the hustle content not so much finance Yeah, and I think we were kind of lucky that we sort of, I don't know if you could say stumbled into it, but like we probably both was it like very early 2017. Yeah. Both saw like, okay, there's a obvious a lot of demand for like the finance content. There's not that many people making the content. So that's why I started.

It was like a big gap in the market. Is that kind of why you started? I just wanted to talk about it. Okay. That's it. I was just so like I didn't have friends in person that I could really be like, yo, guys, you see new credit card? So I was on Reddit, like Reddit slash churning.

Just talking to everybody about credit cards. I'm like, this needs to be a video. Like, I want to talk about this and teach other people how to do this. So it just came from me wanting to talk about it so much and didn't have anybody in person. But why did you want to make you do? Were you interested in personal finance before this? Oh, yeah. You know, everybody kind of has a different thing that they just love.

And I think we're probably the same in that aspect too. It's like money has always been something that's easy to talk about, like finance, because it's numbers and I love numbers. and that's probably why I kind of got into finance really early, like a pretty young age. I'm not a trust fund baby, so, you know, it's not like my parents sent me out with the nice fund. It was just, numbers were so fun, and I love counting, and money just happened to be like, I would love to be an accountant, you know. It doesn't have to be my money. I just love crunching numbers, and it's not like high level, you know, like quantum physics or something. How did you learn about personal finance? Like what in your life was an event that led to you?

being fascinated. I think there was, when I was in sixth grade, or maybe it was fifth grade, I don't, we did do like this project about the stock market, which in hindsight was great because- I had to do one of those too. Oh, you did? Yeah. I feel like a lot of schools didn't do that, but we had to do a project about the stock market. And I remember kind of just like seeing it and being like, this is really, it's just

intriguing. I was kind of a weird kid, so like I didn't have a ton of friends. I was just being like a bookworm, read tons of books. And so then eventually I was just like, you know what, this is interesting. I went home to my parents. I was like, hey, what's the stock market? And they didn't, no offense, mom, she's probably watching this. But they didn't really, you know, they're like, I think you could like buy and sell stuff,

like kind of, you know, like they have like a 401k or something, but it's kind of like, they don't really, you know, it's like, whatever. And so they try to explain to me, but luckily, it's like the age of the internet. So this was like literally sixth grade, I don't know, it was like 2000, late 2009. And so then I just Google it, like, what is the stock? Like, how do you invest? And then that's how I started with that. So, like really small. $50.

one share of Cedarfare stock I bought for $12 a share, and it was like a $10 transaction fee on e-trade. So I literally paid like 100% free from one share, but it was like it was so cool. And then like for the next like five years, I probably just dabbled and just like here and there by like $50 worth of something where I like save up some like birthday money or something.

And so you made videos on side hustles with your side hustle being YouTube? Yeah. Yeah. And there weren't really any side hustle videos out. Yeah. So I made a couple of those. They were never like my, like, it was always like, oh, my channel is slowing down.

I need to make a video. Top 10 side hustle. Yeah, yeah. It's true. It's like two million views. So I had to pump those out sometimes. But I think I'm pretty much away from the side hustle stuff now. Yeah.

Just because I don't like, I don't like, it's fine talking about it. But I would rather talk about things that I just care about more. Yeah. It was the same way for me. I knew those passive income. How much I make every single month. Oh, they made so much funny. So well.

But I just, it's hard to bring me now to do those videos. I'll do them every now and then because people really like them. They do like them a lot. They love them. But it's hard because it's like you're remaking the same video with now just updated numbers, which is interesting. Like I would watch other people's videos on that. I don't care if it's the same.

I just want to see the new numbers. But for me to like create a video, same thing. I know, I know too. The five best side hustles, Jack has been telling me to make this video forever. And I can't bring myself to do it. Come on, you know it's going to do well, though. I know. It's going to do well.

I know. Because there hasn't been side hustle videos in a while and considering our current economy, like people are probably looking for side hustles. I know. I know. But the sidehous are the same. They can become a typist. That's what upsets me is that people think from like 2019 to 2020,

there's like some big shift in side hustles. Wait a minute. Hold on. No, actually, if you watch my side hustle videos and I'm not trying to pat myself on the back here, but people have said, I have some crazy ideas with my side hustles. One of them was like start like a Portabella mushroom farm. Like I had all kinds of ones because these are things that I used to do. Like you used to do meelworms.

Are you serious? You sold meal worms? Yeah, on eBay. Yeah. Thousands. I'd buy meal worms. Oh, maybe you bought some new worms. Maybe.

Wow. It's way like 2011, 2011, 2012. But like weird. So that's the only way that like if I do a side hustle video, which I don't do anymore. But if I was going to do another one, it would, I'll think about it for days, be like, what is the most obscure thing that you can do? How is that? For what? For comedic value?

No. Like, they're just like. How was that related? I'm thinking there's some inner city kid in New York and you're telling him to do a Portobello mushroom farm. It's a basement. Yes, you can do that. Yes, that's what you grow.

You can do it in the basement. Yeah, unless you're doing like Shataki mushrooms. You might do that outside with some logs or something. But yeah. Are you serious? Yeah, I was, but like most of the stuff I actually like did when I was younger. You practiced them. Wow.

Like when I was younger, I was doing like weird, just the craziest weird things you could think of to like make money. It's like. What's the weirdest? Yeah. What are the most viable? What are the weirdest? If it's appropriate for YouTube. Yeah, probably the mealworms were some of the weirdest.

I mean, I used to sell a lot of like foreign currency, like the Zimbabwe banknotes and stuff. Oh, yeah. I would buy like hundreds at a time and then just like basically buy wholesale, sell retail. That was my strategy for a lot of stuff. But the weirdest, yeah, probably the mealworms. I used to do a lot of auction flipping. Like I'd go to like a farm auction because, you know, everybody kind of like I was a little bit of like, I don't know if Hillbillies the right way. But like.

Where you from? like outside Philly. Okay. Yeah, pretty rural area. Um, yeah, I used to do a lot of auction flipping, so I go to farm auctions and like, buy like half a dozen like Scyth or something. I bought like, Sites. Yeah, about like 40 chicken feeders and I buy them in bulk and just load them up and then flip them on Craigslist, like usually like three extra money on it. And what's your average like income, like your hourly income from doing resell? Uh, the auction stuff was good. I mean, if it was like a Saturday, I'd go to a farm auction, it'd be like a massive estate. Um, and, you know I would probably spend on app you know I was like 14 15 my brother just got his driver's license so he'd drive with the truck um I'd probably spend like three or four hundred dollars which is like like literally I'd go all in and just like buy buy as much as I could um and then probably from that three or 400 it'd be probably sell total sell for like you know close to 1500 or so wow

that's a good gig oh yeah oh yeah but like you have to know what you're doing so like there were certain things that I would always buy like ladders people like if you go to an auction You're like, oh, it's a ladder, whatever. But ladders are worth a lot of money. Yeah. And so if you're at a farm auction and it's just like a bunch of farmers and people who are like, yeah, I don't really need a ladder. I already have one. So you bid on it, you can get it for like $10 and you can sell it for $200.

So like, and so that's what I would do. So there were specific things that I knew that you could flip and I can get really high return on investment. That's really, really neat. That's fascinating. Yeah. And that's pretty good. Flipping, like, getting $1,000 and one day is.

And it just like, it's not really, it doesn't have to be. rocket science. Like I'm all about like not reinventing the wheel. Like sometimes people think they need to make like a big startup and like go billion dollars or something. But some of the stuff's like basic like what I suggest, if people are trying to like make money or do like this little side hustle like auction thing, it just find something you really like you know a lot about it. And so for me when I was a teenager, it just happened to be like farm equipment, which is kind of weird. But so like I knew the value of everything at the auction. So if you can go to like a Pokemon like auction or something, you know like what the value is, right? I don't. So I would

never go to that auction because I don't know what I'm doing. So that's what I would suggest. Go to something you really know the prices of all of them. Let's go back to the portobello mushrooms. How do you do that? I didn't, I mean, I wasn't, so I ventured into it. I probably sunk like 40 bucks into it and I didn't go all the way in. I just didn't think it would be worth it.

But if you're growing portabella's, I think you'd want to get like, you get stuff like a trash bag with like straw or hay, right? And then you would like put the like spores inside and then they grow. But you can grow them in like your basement and stuff. I think. Who's browsing Craigslist? Are you like portobello mushrooms? Like restaurants and stuff.

How do they trust you? Well, I don't know. That's probably why I didn't get that far. You said the trash bag of mushrooms. It's like, hey, what is all these? Pennsylvania is actually the mushroom capital of the world. I kid you not. And we pride ourselves in that.

And most people don't know it. But it's the mushroom capital of the world. I used to go to the farm show out in Harrisburg. And there was always just mushroom people everywhere. They're like, Start a mushroom farm. Yeah, so I just, I got, I was really, I was this close to start in the mushroom farm full scale, but. It just didn't go through.

There were other opportunities, yeah. How much do they make? The mushroom farmers? I mean, you should bring on the next, next episode for the 28th episode. You should bring on a mushroom farmer. Gosh. Yeah. And what about the mealworms really quickly?

Because I had mealworm, I still do, but I tried breeding mealworms because I'm an efficient guy, you know, I'm an economics guy, right? So I have a bearded dragon. Her name's Nora. And I was trying to breed mealworms so I could lower my costs. But it never worked. It didn't work. I tried really hard.

What were you feeding them? He turned them off. That's why they saw his face. They're like, nope. They're like, I'd die and not reproduce. We cannot reproduce in this environment. Last episode was so positive and happy. I'm kidding.

I'm kidding. But yeah, dude, it didn't work. They didn't breed. I got the Beatles. They pupate. They turn in little cupas. And you separate them as like. Oh,

I separated them. Yeah. And they just didn't do anything. They just took up space under my bed. How long did you? Smelt weird. How long did you have them before you gave up hope? Because they take a while.

It was a few months. Oh, yeah. I've never had problems. It's been the easiest thing ever. You just, I mean, this was like 10 year old me, but doing this. But like, yeah, it was really easy.

You just separate them. You put the beetles separate. And then eventually, like, you just put them like oats. Yeah. Eventually I moved the chicken feed. It was more effective. Like water crystals and stuff like that. Yeah.

hydrate them. I really don't know. I'm sorry that it didn't work out for you. That's okay. You know what? Maybe in another life. Yeah, try it again.

Maybe I'll send you some mealworms. I got plenty. Okay. Thank you though. Yeah. You ever need any? Let me know. Gosh.

That's fascinating. Those side hustle videos were great. Same as yours. I always love them. The one thing that always really captivated me was becoming a typist and typing up stuff. I thought that was so funny. It doesn't work. I never said that though.

It wasn't you? It wasn't you? No. I don't. I never said a typist. I swear, I was watching, maybe I was down the rabbit hole of like those kinds of videos, but people were always saying become a typist for like people. Yeah, like online surveys.

Yeah. It's a shame how downhill a lot of those videos went. And that was my biggest hesitation making any passive income video or side hustle video anymore. There's such a saturation out of side hustles that like you get paid $20 a minute to watch videos online. It's like how to it's so. They make $800 an hour by just clicking buttons. Yeah, yeah, by pressing buttons. Yeah.

It's terrible. But then you get mixed in with that crowd inadvertently because you're making similar. I don't know. Not so much anymore, like, because I don't make those videos anymore because it turns scammy. So I hope I don't get mixed in with it too much. But also, I think if people watch my videos, they'll be like, all right, this guy's not selling me anything. Like he's not like, hopefully that's kind of how I view it. They're like, oh, okay, he seems like kind of, you know, like a decent person, I hope.

Is your only source of income YouTube ad revenue? No, I do sponsors, affiliates, like Robin Hoods, kind of my primary affiliate. But it's all purely based off of YouTube? For the most part, yeah. Now, I mean, yeah, for the most part. Jack and I were having a bet earlier. You feel comfortable telling us how much you're making? I say a number, and then Jack has a number.

We'll tell you afterwards. If you want to, we can bleep it out. Okay, yeah. We can, I don't really mind off. Yeah, yeah, you made videos on passive and. in the past. But the last time I made it, it was January or February of this year, and I said, this is the last time I'm disclosing my income.

Because I think sometimes, like, at first, it's cool. It's like, oh, he's making seven grand a month. It's like that good for him. And then, like, once it starts getting into, like, the higher ranges, it's like, I feel like the sentiment changes a little bit, right? I guess higher than Graham. Yeah. But, yeah.

Way me really under us. I didn't. I feel like I watched that video, but I probably just forgot. January is a long time ago now. I think I've seen that video. Yeah. I've been, so that video was 42,000 a month, although that was

including like some stocks that I sold. Okay. What about just your current income? No stocks, no, just, just current income. I was including stocks in my estate. No investments. So yeah, so not including investments

because I don't, you know, obviously that fluctuates a lot. And I don't sell usually. But for my personal brand, wait, do you guys want to guess? Or should I just say? I mean, I'll tell you. Listen, I'm wrong anyway.

Do you want to say it? I'll say my guess. I'm an idiot of myself now. I'll be an idiot. I guess 25 grand a month is what I guessed. Okay. I guess I didn't exactly remember the number you said in the video. Sorry, man.

I said 20 because I hadn't seen you post in a while. No, no, no, no. Once a month now. So I'm like, it's just residual 20. I can pull my ad revenue for you. It's, um, so I'll just tell you guys, it's like 50, a little over 50,000 a month. From ad revenue? Oh, no, oh, jump everything.

Yeah, let me check. I honestly don't even check. I honestly don't even check. That's incredible. My YouTube studio very often. I feel like you just have a really laid back lifestyle, though. 37,700. Let me see this.

Yeah, I literally don't check this app for like a week in a time sometimes. It's very, so my strategy is always like. What happened that day, man? That was Brand Connect with YouTube. Don't say that. But yeah, that was because like if you work through Brand Connect, like, it's a sponsorship through directly through YouTube. So there's no like brand manager.

So like I did a deal. with the company and like they directly deposit it like into my YouTube account as a sponsored video take a cut no no cut no cut on my end they probably take a cut somewhere in there but not on my end that kind of really skews the uh i know it messes up the yeah right here we go yeah my strategy is always like i haven't posted in three weeks maybe yeah i don't even know um that's i got to say i am really impressed because not only that but you've been gaining subscribers a consistent amount of subscribers by not posting. Yeah.

You gain every day. What is this? Almost about a thousand subscribers a day from not posting. Yeah. And that's just because of the content that I make is I really try to make it to be evergreen long-term content that I know I can rank for. But also, I really do think that, like, I got grandfathered into this a little bit with the finance stuff.

Like, if you go on YouTube and you type in how to save money or, like, how to invest, like, I'll show up first or second. And it's just because, like, YouTube just... They really like you. Either they like me or I just got grandfathered in somehow. They're just like, yeah, let's just keep keeping him at the top. Wow. I'm envious of...

This is, like, doing better than the second channel. Yeah, so here we go. I post three times a week on that. That's true. Hey, wait. I post some times. Not three times a week, man. Dude, the second channel, how many subscribers do you have on this?

On mine? Yeah. Like almost 800,000. 700 something. I don't know. So we got, we got 500 and something on the second channel.

You're growing faster. You're growing faster. Yeah, but look at the income. Look at the income. You're making, so you're posting, what is it, one tenth the time,

what we post. You've gained, what, the same amount of subscribers. Okay. You've made more, well, you made less money,

obviously the one, the sponsorship. Yeah, yeah. Yeah, throws it all. You got half the views by post. posting one-tenth of the time.

It's just, you've ranked so well. And your top videos here, stock market for beginners. Yeah, that is one of my top ones. You beat Jeremy. Oh, yeah? Yeah. Financial education. Oh, yeah.

Yeah. But I think the algorithm gave you the number one spot in stock market for beginners 2020, how to invest step by step. Yeah, that's my little secret. That's your moneymaker. You beat Jeremy. I beat Jeremy to that video. Jeremy had his like a wild video on that.

He does it every year. You beat him to it. Sorry, Jeremy. My minimalist apartment. That's an evergreen video. Yeah, it's 6,000 views a day, every single day. So my channel's always been weird for literally three years. My growth has been so, like here, let's look at my subscriber growth over lifetime.

It has been so steady. Like I've never, there's never been a 60 day period where I made less money than a previous 60 day period ever. What? Wow. Seriously. So it's weird. Like, it just grows. But the problem is anytime I start seeing a lot of growth, I just get even more lazy.

And I just will like stop posting until like you know, so like my subscriber growth has always just been nice and well, it doesn't look that steady. Is there any chance you could screenshot that? Yeah, sure. So I can throw it up in the video. Yeah, sure. But like subscriber growth has been pretty steady. Like in the past 365 days. Like it's just been nice and steady.

Wow. I don't know. I think it's partial luck. It's just kind of, but also like when I, I don't know, when I need to start. when I see things starting to slip like if my real time's go below $100,000 I'll be like all right I gotta get to work

I gotta do something so I'll make a video How do you get so passive about that Because for me I'm like A shark when it comes to this And if the views dip down If a video doesn't perform well Like

First of all it ruins my day And I'm like okay What am I gonna do the next Like I gotta change it I'm working like 12 hours A day almost How do you not see that Is like this golden opportunity

that you got right now and you're like okay i got to double down i got to take things right how old are you right i'm 22 feeling a little old my bones are right too yeah i thought you're like 25 for instance i said i thought you're 22 people think i'm 25 i don't know why but you're 22 see this is like you got this golden opportunity golden you don't know how long it's got i but but you have this on a silver platter youtube is like here you go just you're a safe content creator who's not selling anything It's a good image who's given good, like, valuable content. Why wouldn't you just double down? I feel like there's so many opportunities in so many places that, you know,

I'm working on a couple things behind the scenes, but I don't really, you know, talk about that too much. But, you know, I feel like I just like living life, doing things. I think I agree with that. That's what I'm saying, dude. This whole summer, I was in Colorado, just up in the high rockies, like just living on government land just in a tent. Like, that's why I didn't post most of the summer.

that's what I'm saying I told Graham there's always opportunities that you just like to enjoy because things are sitting pretty for you right now and you're just soaking it all up but which is totally fine yeah I think you and I are fairly similar right like I I think at least this is how I am right now like if I had a certain threshold anything above that is not it's not going to drastically increase my quality of life yeah right once you're well into the six figure range it's like you can kind of I don't know it doesn't I'm not shooting for like billions, I don't think, maybe.

So it's kind of a life's life. But since you've hit that, then all of the sudden, like, do you lose motivation? Because you're... Yes. And that's bad. You know, like, when you get to like a certain, like, say you're doing $100,000 a month and then you're just like, you definitely get comfortable. So, like, I don't know how that doesn't happen to you.

I'd never got, no. What was the income that made you comfortable? Oh, it's like, it happens on every level. Like, when I was junior year of college, just making like four grand. a month on YouTube and I was like I felt like I was bawling out because like a college student I was at Penn State. So I was like buying pizzas like yeah like falling out right. So I got kind of comfortable then.

And then again when I like pretty much every time I have a big growth spurt, I get comfortable. And now it's just getting really, really comfortable. It's not good. Now you're lounging and tired. And just like, well, that's kind of been my plan since I was like really young is I was like, I'm just going to make a ton of money for a couple years and then just cruise. like for the rest of my life. I don't need that much money.

I can just live off the land. That's right. Yeah. And like that's my, because like you can get into like the purpose of life and everything. Probably don't want to go down that rabbit hole. But like overall one of my things is like just enjoy it. And like my favorite thing to do is just sit on top of a mountain and just sit there.

Is that weird? I don't know. Just look over everything that you could have if you want. But you could watch videos like that on YouTube. No. You could just watch a video sitting over a mountain. No. And like, well, as long as you're like,

really happy with what you're doing like obviously you're enjoying all this stuff but sometimes you see people who are like really not really not enjoying it but they're just like pushing through and they're miserable and like maybe they're making 20 million a year but they're miserable I would rather make you know 100 grand a year yeah be really happy so how much of that are you saving I I try to find expenses but I don't I don't this sounds I sound like a asshole I'm sorry it's pretty much all of it Like I don't I have a travel fund That I usually save a couple percent of my income So I use that for like travel and trips and stuff

I try to spend on trips I save pretty much all of it What do you do? What's your investment portfolio look like? Really quick before you answer that this is a good point where we could turn it off and on really quick check Thanks so what's your investment portfolio look like? I actually did make a video about this one of the ones I made The only one I made in the past month, yeah was it was uh so the breakdown was like it's like 30 it's like 34 35 percent cash that's my

biggest problem is like well so i know andre was just on yeah jick was on he was talking about like how much cash he has on hand and that's kind of a problem too is like geez this sounds so bad but like finding places to put your cash like because i don't and the thing i don't want to do is just like dump it all into the market um but i do have i think it's like 30 percent in individual stocks so like snap was like one of my largest positions are you And today, I was like, yes. How much did you have in Snapchat? It's, it's not a lot, but it's, it's in, it's in the five figure range.

I have like 10 grand. Yeah. So it would be like 10 grand. It could be 10 grand or 50 grand. Can you share how much you, uh, it's, it's like, I don't know. No, I'm like, I don't talk about my, I don't talk about my, um, I don't, I never talk about how much money I have an individual stocks like individually. So when I broke it down, I did it in percentages.

Um, I, I just don't want people knowing that. Like, like, like, My income even is kind of weird to talk about, but like my investment portfolio, I just like to keep that. Okay. A little, but yeah, it was one of my larger positions, like Facebook as well, PayPal, Penn National Gaming went from like, I was, so it's like, they bought Barstool sports. Yeah. So I bought their stock right after they bought Barstool, just because I, you know, I thought there's a lot of value in it, just based off like the velocity of their brand. And I bought average buying was like maybe upper 20s and then coronavirus hit.

and it went down to $4 a share. And I was like, well, I literally lost all my money. Like, $28 to, or 20-some to $4. And now it's up like almost 70 a share. Wow. And Spotify, too. So, yeah, individual stocks may go close to 30% or so, give or take of my portfolio. And then I have another like 25% in just like S&P, like Voo, right?

Okay, cool. And then on top of that, uh, we got that Yada, Yada investment there. Cool. You can use coupon code, Nate. Grimm. Bleep that out. Jack, Grime.

Leap that out. And then, what else to have? Just a little bit of crypto. I don't really, I don't do a lot with crypto, you know, for some obvious reasons.

It's just, there's so much, they're speculating, and then there's investing. It's like, I'm not bashing on crypto investors, but I just don't know enough about it to, like, go all in on crypto currency.

But you're still doing, going pretty heavily into individual stocks. Yeah, and I try to tone that down. 30% is just, It's not crazy, though. Well, it's split up between, like, you know, like two dozen different companies or more than that by now. So, like, you know, it's not, it's not crazy. And I try to tone that down because you have to be a little bit active about it, which I don't like being active about my investments.

Like the index fund thing is really nice and just kind of set and forget. And then what else? Just some gold. I shouldn't tell them where I have it. Let's just say having a gold fund or something. Wait, what do you mean where you have it? It's on his wrist. Yeah, no, it's not.

And what else? I feel like I'm missing something. Something really small. Bonds are like 3% or something, but nothing. So it's got to be what, at this point, like one and a half million? No, I don't know much. I'm not a, I mean. No, Graham.

It's clearly, you're forgetting about taxes. It's around 950,000. Wait, are we including taxes? No, just your investment portfolio. It's got to, it's got to be. Why? What you want to spot here? So we talk about it.

People love coming on our podcast. They love it. I'm a peach. I'm not sure if I'm going to give you a figure range. I can blear it out if you want. Let's just say that Uncle Sam takes his cut from all my income. And I've only been doing this for like... Do you have an escrow?

A couple years. Oh yeah. Okay. But like I've only been doing this for a couple years and like, you know, last year I made like $200 some thousand. It wasn't like crazy. And then this year... Yeah, it was like, it scaled up, you know, like, and before this, like, I was in college.

So I'm 22. So like, I literally had $0. I'm thinking like, yeah. I'm thinking, because I remember watching your videos 2017, so I'm just assuming like just four years of these crazy. So I forget, yeah, the last two years your channel is really just exploded and you've had all the success. Last year at this time, so right now it's at $780,000 maybe.

And last year at this time it was like $300,000. Yeah, wow. And then last year before that it was at like $40,000. Yeah. You know, so and then just like 10 Xs every year, except this year might be slowing down a little bit right now. Because you're not posting enough. Yeah, that'll do it.

I got to get you to post. What would motivate you? What would motivate you? to post. I mean, my, my biggest, would you ever look back at this? You're 20. I mean, you got your entire life ahead of you. If you just stayed consistent and posted twice a week for two years, you could set yourself up in two years for the rest of your life. And you'll never have to worry about it.

Because now you run the risk. I'm not running a risk. I'm not worried about it. He's still making, I mean, it's analytics shows. But I'm saying there is a chance. If something happens to YouTube, something happens. Or you want to start a family one day. You want to have the freedom to be like, you know what? I want to live in New York City.

I want to live in San Francisco. And now I got wife and kids. It costs money. And you could fund all of that in two years. And it just gives you options. I know what you're saying. But I'm not too worried about it. Like I think there's as long as you're able to innovate and change.

And like that's why I think the reason why my growth is still going is because like, I'll take a step back and be like, all right, I need to change something up. Because the worst is like when you see a YouTuber who's been doing something for 10 years and they're making the same videos for 10 years straight and they're like getting 2,000 views per video. So I always like when I start to see the graph just start to slide a little bit and I'm feeling a little bit motivated. I will go in and I'll be like, all right, I need to change something up. And then so like that's when I hired my videographer for like a little bit more cinematic videos. This one did like the minimalist apartment thing. Like when like so like I'd say every 12 months I look at it and say I got to change something up. And so I'll probably do that, you know, later this year.

I'll be like, I got to change something. What are you changing too? I'm going more towards, I'm actually kind of getting out of finance a little bit. I've noticed you've taken the Matt Deavella approach a little bit. I just, I like it. I feel like I've already hashed out a lot of the finance stuff. And I kind of not that I'm tired about talking about it because I love making videos. Yeah.

But I don't like to repeat myself on YouTube ever. because I just feel like I'm not providing as much value as I could be. And so the lifestyle stuff is a lot more fulfilling. You make a lot less money on it because the ad rates are just way lower. But I don't really mind. Like I'll willingly make less money. And that's why like you guys probably notice too. Like I don't sell courses just because I don't really need to make that much money.

Maybe that's, I know that doesn't resonate with some people. But like I just don't really. It's for fun. Yeah. I do all this fun. And like all like money is a buy products of whatever I do. that's just how I work. Yeah.

Well, you've taken an interesting approach with YouTube that makes me rethink some things. It seems like almost all of your videos are meant to be Evergreen. Not all of them, but like a large percentage of them. And all you need to do is rank 20 videos on Evergreen topics. And as long as each one of your videos every month is just can get views for two years, that'll really solidify you as long as the algorithm places your videos towards the top. Yeah. And like I have videos from 2018, so it's like two and a half years ago.

And they've been getting 5,000 views a day every day for two and a half years, like consistently, just flatline. Yeah, I mean, that's just what I do. And I like it. Give views. That's what I do. I get 5,000 views a day every single day. Slow and steady. Nothing crazy, but it works.

That's cool. Yeah. Props. Let's talk about financial minimalism. Yeah. So explain what financial minimalism is or just minimalism. First of all, I think, I feel like you coined financial minimalism. I knew it. Okay.

I did. Yeah. Because so sometimes like in the finance community or just on YouTube in general, I feel like somebody has a video that pops off and then everybody kind of like like, so like you've had a bunch of those where you make something. Yeah. And then everybody's like, oh, I'm going to make a $72 a day. Or $72 a month, Tesla video too.

I think the only one that I had that a lot of people saw and were like, oh, I got to kind of ride that a little bit, which is how YouTube works. You know, like everybody knows that. So like I made the minimalist video, right? The minimalist apartment. Yeah. It blew up and then like... I did my minimalist house tour, yeah, yeah.

Yeah. So then you coined financial minimalism, I think. Yeah, oh yeah, that was it. Yeah. So you made my minimalist house tour and I wanted, I didn't want to say minimalist. I didn't want to just say that because then I would be copying you. So I was like, what can I say that's finance related? I'm like, financial minimalist.

That's going to be in a dictionary one time. CPM's a dictionary one day and it's going to be Graham Steffen as the founder of financial minimalism. I'm happy to take credit for that. But I want people to know, like, I had no like, there's no real like it doesn't mean anything i just like financial i took two words you just took two words that sounded good no real meaning behind it but it works oh it works you're a financial minimalist i mean it sounds legit it sounds like it should be a word it wasn't i'm not frugal i'm financially minimal minimalist it's crazy but that yeah that was uh that was my financial

minimalist home tour and then after that i had a few other videos how to be a financial minimalist those did those did decently well but yeah yeah um so i i i i i am actually a minimalist. Like sometimes people are like, oh, this guy just stuffs all this crap in its closet or something. I just filmed my new apartment tour, my minimalist apartment tour, and I like open up the closets. I'm like, guys, I literally have nothing in here. Like, I just don't have a lot of stuff. So what does that mean? You have a house. It's just like, and no furniture? No, like, I have a couch. I don't have a kitchen table. I, I should get one of them. It's mostly because, I mean, there's a lot of reasons for it.

For not having any kitchen. It's because you don't care. Just like me. I just don't care. It's because we're 22. We're young men. We don't need decorations. We don't need tables.

I hate decorations. Me too. Anything that doesn't serve a purpose. Like, like, no offense. But this little thing here. It's all aesthetic. There's no utility.

Here's the thing. I was the same way. When I think about 25 for me is when I started appreciating the little decorations and the aesthetics. Maybe. Like you don't need this little, but it looks really good. Or this little red rooster. thing there. The little trinkets and stuff, I love trinkets. It does look nice, but I don't think or I would ever go out of our way to do Ross. Everything has, for me, it has to have a purpose.

So, and there's two, it could, it's usually one of two things. It either is really practical and useful. So like a blender, right, or like an instant pot, like things that I really use a lot, or it has to just really bring me a lot of value or like joy, right? So like I have a boosted board because it's fun. Like just rip around, filly with it and it's fun. But if it's like a trinket, just like a pot like pot sitting on a shelf over there like no i will throw it out i agree with you 100% i think we see it very evenly yeah there's just no purpose for it no i don't need artwork or anything i don't know i agree with you that's funny yeah because you get it for free i can i give jacked me like these paintings but i haven't put them up yet they're just on clothes too i can jac

everything that i have not used in like two three years i'm like jack you want because i won't throw it away i feel so bad about throwing anything useful away so jack takes it it. Shoes. It's a good deal. Shirts. Hats. A lot of stuff. Jack just, it just gist. Just nab two watches. Oh, yeah. Well, so, so with minimalism, it actually, it, there's so many actual great benefits to it. Like, it saves a lot of money because you don't, unless you're frugal, when you're going to, like, Goodwill and you're buying, like, trinkets there. But, like, for the most part, it saves you a lot of money. So it goes, it's really, it fits with my channel ball, too. And, like, my message. It's like, hey, you want to save money, just be a minimalist.

Like, you're going to save a lot of money because you're not going to be tempted to buy random little things. But also with minimalism, it's like, you don't, so the thing that I notice is like, certain things, like say you buy something, it might make you happy for a little bit, but I don't think it provides you long-term satisfaction. Like, say I go on buy a Lamborghini tomorrow. Like, it's cool. I'll love it for like a month, two months.

And I feel like it starts to wear off after a while. And it doesn't, it's not really providing like that cool factor, like really fun anymore. It's just like your car, you know? So that's another thing that, like, a lot of things I say, All right, this might make me happy for a little bit, but it's not going to be long-term. I'm not going to care about it. Need a vehicle that isn't afraid to make a splash?

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I agree with you. 100%. It doesn't make sense to have a lot of stuff. And I think I saw this in a YouTube video or something. This could have been you, but maybe it wasn't. Someone said in regards to minimalism,

one really good benefit of it is just the fact that you don't have to make so many decisions. Yeah. Was that you? I have said that. But I'm sure other people have said it as well. Probably Matt DeVille. I think he did that in his T-C-

shirt video. Why? Yeah, exactly. Every day. It's just like making more decisions every single day. It just causes just like anxiety or it can just like stress you out because it's another thing that you have to decide between it. It's just like another battle in your head. Decisions and then like losing

stuff, I lose stuff all the time. My keys, like when I go back to my parents' house, sorry again mom. But like I'll put my keys down somewhere or my wallet and it'll be gone for like hours. I'll be searching through all the couches and like trying to find it. If I set my keys down in my apartment, it's like, it's one Yeah, it's like, oh, it's either on the counter or it's on the floor and that's it.

Like, there's nowhere else it could be. So I find, like, I don't lose stuff. And it saves time. And I don't have to clean. There you. It rarely have to clean stuff because there's not that much stuff to clean. Where do you spend your money? Are you wasteful on anything?

Am I wasteful on anything? Or like some splurge. You're like, listen, it's got to be food. Not so much. I mean, I don't spend a ton on food. It's probably traveling, probably traveling because sometimes it'll be like a weird, like, like in March I was over in Europe and I had to come back to America. So I dropped a lot of money on that ticket because it was like mid-March and it's like

you need to get back to America by midnight like because the whole thing going on. So traveling definitely, you know, like and that's why I love spending money. Like I used to spend it in, I used to go to hostels and just live in hostels like that because that's fun. But now I might be kind of moving into like the hotel, you know, splurging a little bit. Lifestyle inflation. It is. Lifestyle inflation happens sometimes.

But, no. but I have a travel fund. Like, it's like a separate thing that like I have a travel fund. They're like a couple percent and I just, you know, so like that's my travel thing. But if you, you say you have a travel fund, but what if you don't spend that couple of percent? Do you feel compelled to spend up to it? No, because it'll just save it up for a bigger trip. Well, if you really wanted to go, though, would you really adhere to your budget?

Because you're, like, I know. That's what I thought. But I never reach it. I never reach it because like, now it's like, I don't know, the budget's like, it's like 11,000 or 12,000. And it's like, and like, I try to drain it on trips, but like it doesn't really. Try to, but you just can't. I sound like that's so terrible. No, I love it.

No, it's, it's, I get it. I understand. Yeah, but I don't. Do you travel alone? I love traveling alone. Really? Yeah. So I travel with friends sometimes, but it's hard to find people to travel with because like, it's usually

very spontaneous. Like literally I'm like the day before. I'm just like, yeah, I'm going somewhere. And I go on Google flights and just see what's available and stuff. But I love traveling alone because it forces you to meet people. And I think that's fun. Like when you go to a hostel and you're over and like, say you go to like, I don't know, just say you're like Berlin or something, right? Or like Vienna, Austria.

And you're in a hostel and you just like meet people. And it's just like social environment. Next thing you know, you're like the Dead Sea in Israel or something. Just hanging out like a bunch of random people you met like a week prior. And it's just like I'd have too much anxiety to do that. I couldn't do that. Yeah. So when I actually got here, I got here on Monday, I did not like I literally got off the plane.

I was like, oh, dang. I don't know where I'm staying tonight. Like I need to find a, like I had to book the hotel when I got off the plane. I was like, all right. What are you here for? I was meeting with a couple people, but I'm making like a really cool video in Yosemite in like a couple weeks. I'm not going to stay that long, but we're like planning it out this week and everything. So yeah, but I also I also just book flights to L.A. probably every six months just because there's always stuff to do here.

And there's always like people to meet up with and stuff. But I actually didn't even know I had this flight because back in March when like, you know, the world. burning to the ground. I went and I bought a bunch of tickets and I forgot about this too, but I bought a bunch of tickets for like later in the year because I was like, oh, everything's going to be fine. And also that's when the airlines said like, oh, you can just get full refund on your flights. And the flight places were like $20. Like you could get flights all of the country for so cheap. So it's like a little insurance policy. That's crazy. Yeah. So where else are you going? I'm not really going anywhere else probably right now. I'll probably just go back to Philly.

But this summer I was in Colorado You know can't really do a lot of traveling now But so it's mostly like kind of off the grid Type of like you know Just like somewhere in the wilderness somewhere That's kind of had to shift the travel style Because before it was like oh I'm going to foreign country Like go to the cities and just like you know have some fun

But now it's totally shifted to like Okay now what can we do That's like you know just off like With my car just like off somewhere by myself Just avoiding like mountain lines and stuff Hey, you guys are welcome to join in my next trip. Yeah, dude, that's so awesome. Let's talk about clothing.

Okay, okay. So go over your outfit and how much each article costs. All right. So I'm really changing up today because I usually just wear like black shirts. This was like $19 or $20 at Old Navy maybe. This reminds me of this hype beast videos. Oh, yeah. So what you got?

What you got? You're like, oh, yeah, this Gucci. So then I got the Gucci share. $600. This is one of those like value packs of like just like 10 black shirts at like Walmart or something. So I don't know. This shirt was probably a dollar, two dollars. My pants were I bought these at Paxon two years ago for like I don't know, $40, $50.

I don't remember. But I've worn them so much. They're like, you see a, oh, yeah. These massive holes. There's a big hole in the. These holes were not here. Like there were no holes in these jeans like two years ago. I've just won them so many times.

But I'm not, I'm not cheap. It's just like, I don't care to get around. Financial minimal. It's not cheap. And also I hate shopping. I, like, it's the worst thing to go to the store and be like, I got to find something to buy and I need this. And I hate it.

Like, going in and buying clothes is just like, it's not the money. I don't care about that. It's a chore. And it's like, oh, now I got to see if this medium fits or if I should get the large. And it's like, you know, and then my shoes, I just have white shoes, like $20 a pair 30 dollars a pair and I go through a pair like every four or five months just because they get beat up a lot yeah you need ride-offs man that's what you need you need some good ride-offs i know i do lambo time yeah the hurricane i don't like flashy stuff um you know just get a black lambo then sometimes

well if i do get a car it's gonna be black but um no i i don't like flashy stuff at all so like i try to keep things as discreet as possible just because i feel like i kind of got past that like you know When I was like 17, it was like, oh, cool sports car. And then I kind of just, I don't know, I feel like I don't want to draw attention to myself. What about your watch and your bracelet? This was really cheap. This was like $20, $30. Looks expensive.

It does, right? It was on Amazon. Really cheap. I was expecting to say like a lot. Yeah, affiliate link in the description. We'll find that. No, yeah, I should say selling these. But then the watch was a couple dollars more

What do you mean a couple dollars more? What was it? Oh wait, what is it? It's not crazy but it's Grand Seco? That's, I'm gonna guess what, 800 bucks for that watch? Yeah. Grand Seco?

How much of Grand Seca is? It was a little more, but yeah, they're not. A little, a little more. Yeah, a little more. But it wasn't like, you know, I figured it'd be nice to get a nice watch but nothing. Then I'll just look.

I'll look. But it's nothing flashy. Like, you know. Graham, you got to have your turn too. I had a time. I had a time X was like $30. And then just one day I was like, I was like, all right, I got to spend some money somewhere. Like, because, you know.

Does that bring you a lot of pleasure? Oh, wow. There we go. Not bad. Grand Seco is it the elegance? That looks like the elegance, right? Yeah. I found it.

It's $9,000. No, it's 35. 36, 3655. Yeah. So nothing. Nothing. crazy. If you see me on the street, don't, don't mug me. It's a replica. Nice. Oh, wait. No, I got the wrong one. 25 grand. No, no. No, yeah. I'm kidding. I'm kidding. I'm kidding. I wouldn't. I

appreciate it. I think there's a certain, well, that's the thing about watches. I'm going to start getting into watches because I think a lot of them do kind of hold the value. And so like, if I'm going to buy, if I'm going to spend money on something, I always try to make it and this is just, I don't know, my brain that does this, but like, I always try to make it like something that kind of retains its value. And I tell my followers this too. It's like, all right, if you, because sometimes you just have the urge and you're like, all right, I kind of, I've been saving a lot of money. I've been doing really well. I want to treat myself a little bit. And then I find a way to like buy something that also doesn't just devalue like crazy. You got to get yourself a ring, dude. You got to get yourself

a ring. I don't know. Speaking of rings, are you, are you dating? Are you dating? I got to bring a Tinder date. Yeah, man, are you on Tinder? I'm not on Tinder. Bumble. Oh, dude. No, you got to explore. Jack will give you so much advice. Are you got advice for this? What? For Tinder? Yeah.

For Bumble for dating? I'm the master. I feel like it just takes time. Like I don't. So like I did use them before and it was just like I just wouldn't respond to people. Yeah. Because I just, I was like I could respond to this or I could go do something else.

And I just never got around to responding. So I agree. It is much more fun swiping than it is to like holding a conversation. You get your little dopamine hit and you're like, that's exactly it. But no, I like meeting people in person or just like through friends and stuff. That's kind of like. But we can't really right now. Yeah, I know.

I know. But there's also people slide in the DMs, but you got to watch it. I don't really. I don't respond. Okay. You don't respond to this. Okay. I don't respond.

All right. Yeah. Graham, what about you, man? What's the, you got a girl? No, I'm kidding. What's your outfit looking like? Oh, yeah. Okay.

So, uh, we got to do it. We got to do it in the cool style. I'll put on a cool music. Yeah, like the cool beats in the background. We got to like zoom in and out as we're doing this. So yes, we got the H&M, T-shirt, cotton, $6. Okay, okay, okay. Swim trunks, Amazon, seriously, swim trucks.

They are, yeah. Swim trucks, Amazon, 10 bucks. Okay. Socks, those are free. Got those, Brad Oppenheim. Thank you for the socks. And, you stole them? You got.

He just brings clothes. He just brings in. Is that hard for people? Secondhand socks? Yeah, they are. You wear secondhand socks? You have a problem with secondhand? Yeah, these are Loulemon socks.

Oh, okay. I kid you not. Lus lemon socks. No, no, no. So, Brett Oppenheim sometimes will buy, like. It's a secondhand underwear? Yeah, like, how would you, no. Wait, wait, wait, wait.

They are second hands, wait, wait, wait. They are second hand, but they're not worn, yes. So, how does that work? So Brett Oppenheim, Brett Oppenheim. You're wearing shop. underwear? Yeah, so he shops a lot. Let me explain.

Okay, all right, we'll hear you out. Brett Oppenheim shops a lot. So what will happen is sometimes he'll order to stuff online. He'll order like nine packs of socks, like Lulu Lemon socks. But he buys the wrong size. So instead of going and returning them, he just leaves them unopened on my desk. He did this with socks, underwear, pants, shirts, jackets. Like, honestly, about 80% of my wardrobe is from Brett Oppenheim.

I think we found our title. for the episode right there. Graham wears secondhand. They're not used. It's not like he's going to wear in them. It's not, yeah, yeah. But seriously, so that's where, when I have that Prada shirt that Polo, that's Brett. I have Prada jeans that I wear.

That's Brett. I have a fairerese. I got to befriend people that buy those kinds of. Seriously. Even that white, that nice white shirt I wear is a tailored shirt. That was Jason Oppenheim's, but that was a tailor's shirt. But he just, it got tailored a little bit too small for him, but it fit me, perfectly. So like I get, I'm the recipient and I wear it all the time. So that's, that's awesome.

That's really cool. Yeah, I haven't, I haven't really bought anything in like two years. Yeah. Exactly. And then you have a watch to the watch. So approximately 20 grand. So you're at total outside value is $20,000. 20,000. 20,000, probably. And then you, you've got like, not much not much for me this shirt was a gift it was a birthday present these shorts

I have no idea where I got them from to be completely honest free that's all I have that's all I'm wearing so zero dollar man right yeah so what else can be what else can be chat about what else do you enjoy an occasional chat about options trading

I don't do a lot of options it's more so like I have a Robin Hood account and I'll just mess around like it's very like basically all the free referrals and stuff I got from Robin Hood. And I'll just use that to just like, you know, buy some puts and calls and stuff. But I'm not deep into that. Are you guys?

Jack is. I'm so not. I'm dangerous. Every episode Jack tries to convince everyone to get into options training. You got to, man. Jack the other night, he's like, go ahead. If you did options, what is it? Selling puts?

Was it? Selling covered calls. Selling cover calls on Tesla, you would have made X amount this week. So we had Kevin on. You know Kevin, right? Me Kevin, that guy. Yeah, yeah. Of course. We had Kevin on and I told him to sell covered calls on Tesla. Okay. And you did? No, he didn't. Okay. And that was about a month ago. And I did the math. I think it was yesterday. And he would have made if he did that about $170,000 in one month, a month if he listened to me. But what if he, but what if it didn't? Yeah, exactly. That's like Tesla just inflows. Then it would have been good for him on the side of the call selling the call. But if it, obviously, if it skyrocketed it would have sucked. He would have had to pay tax. He would have to pay tax.

on the gains and also yeah selling yeah you would have to yeah I mean it all it keeps working until it doesn't that's that's what I'm just saying is a hundred and seventy thousand dollars in income is pretty incredible because it worked but if it didn't work you wouldn't have brought that up I've I've seen people lose millions with options and probably buying though there was probably buying or selling naked yeah yeah yeah but it's still like I just don't like that oh you know what um click off because I think we're I got to throw on another battery Oh, we never publicly announced this. What?

So when I first started getting into options trading, I told Graham that I was very confident in my strategy. And Graham said he would only something like along the lines of being impressed if I went 20 for 20. So out of the, out of my first 20 contracts, I profited on every single one of them. And I did. He made a total return of 3%. No, I made a total return of it was okay, so it was between two brokerages on Robin

I probably made like, I don't know, like 10, 12, 13% in a couple months. And then on TastyWorks, it was probably like 5%, 6%. So you made like 1% on each one of these or? Um, no. I mean, like as low as about 1% as high, I bought a put, which obviously is very risky and I made like 40% on that. Nice. But yeah, I've clocked in like about $1,400 profit now. Wow. But also if I'm including appreciation of stock, I've probably made around $2,000. Congratulations. You do 20 for 20. Yeah.

I'm impressed. Thank you. Yeah. So I got a course coming out next week, guys. Make sure you sign up. He's going to teach everyone how to do that. Yeah. For X trading.

But so there you guys go. Include your WhatsApp. Yeah. WhatsApp. What's app. Yeah. What's app. Yeah.

How about those comment chains? Oh, it's so bad. Dude, you get it. Comments on YouTube and comments on Instagram are ruined. And those, the YouTube and Instagram have to do something about it because it's so, And it's getting way out of control. Like if you go into the comment section on my videos, it's like, I can't delete them fast enough. No, I know.

I know. I've spent, yeah. Mr. Henderson something. Yeah, yeah. Yeah. I'm like, I don't, but people must actually think it's real. It must be working, yeah. It works.

They've made so many fake accounts on me. Oh, yeah. Like spelling my name, E.N with the same profile picture, everything. And they're going back at it. Literally, this guy is responding on people's comments and be like, hey, send me a message and watch it. I will help you invest with crypto. And it's like, like, like, ah, these poor people.

And I get emails. Be like, hey, dude, like, you scammed me. I'm like, that wasn't me. That was like Graham Steph in. Ian. They're like, oh, yeah, it was. But, like, I can't. It's insane.

It bothers me a lot. And I think I had, like, at least a dozen fake Instagram accounts, like, impersonate me and then just, like, message all of my followers. And people think it's real. Some people. I mean, most people can probably see through it because be like, oh, this guy's five followers and, like, two likes on a photo or something. But yeah, you know, hopefully they can get that under control.

That's not the reason why I'm getting a little bit out of finance. Like, I hate dealing with that stuff. And it's so like the lifestyle stuff is just like relaxed. Nobody's going to scam and that. Yeah, I felt so bad for one. Someone wrote a, I think there's a website called like Scam Artist Alert or something like Scam Alert. I forget. They wrote an article on me.

Same. Yeah. Because they thought I was running out. Yeah. I felt so bad. This guy, and I was reading this not knowing that like they were scammed. I thought this was someone just like trying to get me. Yeah.

And they're like, I paid Graham $1,000 for training for my son to be a real estate agent. And he never got back to us. And I was like, wait a second. He made this up because I don't do that. And then I realized like, wait a second, it's that E.N. Someone's spelled my name E.N. And I felt terrible. Yeah.

They're still doing it. And I think I just saw in your story today as somebody who's running ads with your face on it. Yeah. Somebody did that last. month, it was Andre Jick's face and it was my name running ads. I was like, what the hell? Oh, I sent it to Andre. We could see if someone uploaded that video.

Oh yeah. Yeah, yeah. Post on Instagram. Let's see if anyone did it. No. Yeah, that's, it's so weird. And that happened to like Mr. Beast. Like it's happening.

Like YouTube really needs to get a hold on this. Yeah. Maybe they're just lazy about it or like, but like they don't have any checks to see who's running ads. Like I see like crypto, like really like crypto scams sometimes running. ads before videos. It's like how is this getting through YouTube's like system? Like how are they letting them run this ad where it's like you send me one Bitcoin we send two back like um and I see it on my homepage on YouTube. It's like Elon Musk feeling generous today giving back Bitcoin

to everybody, send him Bitcoin to this address and it's like has like 70,000 live views on it and they're all like fake but it shows up on my home screen. Look at this. This is all a week ago. I delete them all and they just pop up a thousand likes. Yeah. This one like just all of these. Thought of my house resorts to sleeping in the car. Jack Gray and his team. It's like, oh my God. What they do is they write a comment and they say, wow, I didn't know investing could be so lucrative or something like that.

You can tell by the first sentence. They get, exactly. Then they get someone, another account to reply and say, oh, of course, investing can be really good. I've had great experiences. And the other person's like, oh, what are these experiences? They're like, I've been talking to Mr. Gray and Mr. Gray has gotten me like $7,000. It's always Mr. something.

Exactly. And then they're like, oh, wow, may I be able to contact Mr. Gray? I thought about reaching out. That could be a good video. But my fear, yeah, yeah, make a whole video on it, like exposing them. But my fear is that you do that and you upset them. I wouldn't mind. And they're like, you know what?

Yeah, I know, exactly. And they're like, you know what? Now we're going to double down. So I prefer just like, let's quietly delete the comments. They're going to post it back. But at least we slow them down a little bit. And guys, and if you ever see those comments, I don't know if they report them. Just dislike them.

Just dislike them. Or just call. Actually, comment and say scam. Yeah, comment on that. and just say scam. I think that's important. I know where the light is flickered. You got to pay the electricity bill.

I know. I forgot to pay the water bill. I'm being dead serious. Yeah. Credit score. No, it's not a credit score thing. It's just I pay a late fee. Oh, man.

Oh, well. Make sure you guys like the video and check out the ads. Yeah, you've got to pay for this electricity and water. Gosh, yeah. But no, the comment section is getting, it's really bad. and what I don't like the like bots of botting the likes to the top

and YouTube has to figure it a way where if a comic gets liked a certain amount of times and like I don't know it's got to go it should go under review so it doesn't get deleted it's just under review

if a certain comic gets liked so many times or if they sense that like a back and forth I don't know because they keep changing on keywords yeah but there's so many like YouTube just

I don't think they really care about it a lot right now and hopefully it comes to their attention a little bit more. Because you know why it's just isolated to finance content? If you go to anyone else's channels, it's rare. Yeah. And that's just because the niece has blown up so much in the past couple years. Like it did not exist a few years ago. Yeah.

So that's a shame. What do you do in your spare time? How much spare time do you have? A lot. I do have a bit of spare time. So I do like to be really productive when I want to be productive. So when I'm working, I turn off my phone, I get rid of distractions, and like, I'll crank workout. In my free time, though, I go on long walks.

Like, I'm kind of like the forest gump of walking. Like, I just walk. Like, I'll walk for like, maybe there's just something wrong with me. I don't know. But like I'll just- I'll just-lame. I walk. Yeah.

Like, it'll be like, I'll eat dinner or something. It'll be like six o'clock. I'm like, I feel like just going for a walk. And next time, you know, it's like, you know, it's like 1 a.m. I'm still walking. I'm like, I should probably go back. That's a lot. That's a lot. Just hanging out, just walking, like, you're just enjoying life. It's, I guess that's weird, but like, I just enjoy it.

I understand it. And then thinking and just like, you know. I fully understand it. Box are nice. At night, I go for a lot of night walks. And I'll just go out. And I'll be out for a solid, like, 90 minutes, maybe two hours just by myself walking. It's weird. Jack comes back with a whole bunch of cash on them.

Yeah, a bunch of cash scratches all over my body. Got a ski mask. Yeah. No, I agree with you. I think walks are really nice. And maybe this is another Matt DeVille thing, but someone said if you go for walks, then the forward movement when you're walking actually spurs like better brain thought or something like that.

Like your brain is able to work better when you're when you have forward movement or something like that. When I do a lot of thinking, I have to be moving. Yeah. So like I'm people actually probably think I'm like a lunatic because like I'm walking through Philly and I'm like talking to myself like I'm like yes, this is it like. If I look so bad. When I'm thinking about this, but like that's just what I do.

Like if I have, or like sometimes when you're just like doing something, you just have like an epiphany and you just like you're out in public and you're like, yes, this is it right? Like you just, it all comes together. You like this is the next big video idea or something. Like you just like internalize all that or you're like out there like high five and people are like let's go. I internalize it. Oh, okay. Yeah. I kind of don't internalize that.

You high five strangers. I've done it before when you get really excited about something. Yeah. What excited you that much? I don't even remember. is just like little things like well I shouldn't say little things but just like a big like epiphany where you're just like this is going to work so well um like video ideas um I don't know just Snapchat going up 33% yeah like that kind of stuff where it's like something really big happens

and you're just like dang I need to just like yeah celebrate a little bit that's cool that's cool I guess that's weird no I respect that I'm awesome I like interacting with strangers like um I'm I'm an introvert, but like, it's still, I'm definitely an introvert, but it's still kind of fun just like meeting people. Not that I just like walk up to random people and like, like, high five of them. Well, okay, I do it. I do sometimes, but like, I don't just like walk up to random people and start like creeping them out and talking to them. Like, it's more so just like a. I think you understand like, you know, social.

I hope so. Yeah. How do you make friends with them? What do you do? With strangers? Do you tell them what you do? No, no. I never tell people what I do.

Do you want to role play? Oh my. Yeah. Graham wants to role play with you. Okay, so. If I'm a total stranger, we're at a coffee shop or something. We're sitting at the table. I mean, so it depends.

Like, did I just hear some really good news? You heard some really bad news. Oh, bad news. No, I'm not going to. Actually, yeah, but you'd have to bleep all this out. So I couldn't. All right. You heard some great, fantastic.

Yeah, if I heard great news, like, I probably wouldn't, you wouldn't really understand the context of you more. So I'll just be like, yeah, let's go. And then it'd be like, let's go. and then just like high five and then I'd like leave with my coffee or something. But you're not making friends with them. No, no, not all of them. Yeah. Most of them not. Actually, people might think.

I would have been confused. That's cool. You're spreading positivity. Right? Because there's no way. But they don't know what's going on. Yeah. Like when somebody's, okay, you can't do any of this anymore because like, but like when

somebody's running by or if you're running, if you're both going on runs and you're running past, you're like give my high five. Like let's go. You know, kind of like, uh. It's friendly. I've never given people high fives when I run, but there's definitely like a running etiquette where if you see someone else that's running, you give them a nod. Yeah.

You acknowledge that they're out and they're running too and you're like, nice job. Yeah, exactly. Yeah. Like, I'm not going to high-five everybody, but like it's a rare occurrence. Your hand is just always. It's a rare occurrence. It's a rare occurrence. It's like the number one super spreader thing to do in 2020.

So I don't do that. But in 2020, but so that's a pastime of mine. Huh. Nice. That's pretty awesome. You're spreading positivity. I think that there is a very, very, very slim, if any chance that you doing that to someone random in public will actually negatively impact their day.

Like there's no, they're probably going to be like, oh, yeah, like, trying to reciprocate your optimism. It's not like I'm saying something like, I don't even like compliment people because even that could be taken like in the wrong context. Like it's not like a, you know what I mean? Like I'm like calculating people on the street. Are you being sarcastic to me? No, no.

You said I had a nice smile. You're making fun in me? Well, no, because like people don't know. People don't like, I, like, I don't think people. Yeah. Okay. Imagine going up to somebody. I don't say stuff to people.

I really like your hairstyle. They're like, what did you just say to me? Oh, no. No, but some people, yeah, but some people happens a lot and it does get like, I know people who are like, if you're like, if you compliment people, I don't know. I don't know where I'm going with this. No, that makes sense. Right? Like, like, if you're walking on the street and like, so you're like really attractive and walking on the street like everybody just like, hey, you look great today.

Like eventually it gets kind of, I don't know. Complements are weird. Like, yeah. I personally, I'm not, I do not really like being complimented. I think it feels weird. It really feels weird. How do you respond to it too? Exactly.

It's like if I say thank you, that means I kind of like acknowledge it and maybe it will come off as like I'm in agreement with it. Oh, you're overthinking it. No, I know what you're saying. Yeah, it's weird. Yeah. No, to say, oh wow, thanks.

Really appreciate it. That's something like that. Easy. Yeah, like if you're walking like on the street or something, you see someone's got like these really cool like overalls or something like, without like stopping them and trying to talk to me like, yo, sick overalls and then just like keep walk. Like you don't even stop.

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No, but like, like, I always get caught up in this game. If someone compliments me, I feel like I have to compliment them back. You got to think fast, too. Exactly. Like, never, never worse out. No, but that's what happens every time. Yeah, but like, that's why, like, if it's like, no, I really don't, I don't catcall people. It's not like I'm just like out there.

It's like, you're the guy. You're the guy. I'm not the guy. I mean, like, this is, this is all. very rare occurrence. I don't even know how we ended up in this rabbit hole of like, I think we're talking about

going on walks or something. What you do in your free time? Yeah, I'm like digging myself into a hole like sounding lunatic out on the streets just like. High fiving people complimenting. Oh my God. Yeah.

So anyway, what do you do in your spare time besides? That, I mean, so let's see, what did I do today? I woke up, wake up pretty early, you know. I mean, out here too, like 530 um that's pretty early well you so this summer's waiting up at like 6 30 or 7 um now it's because i'm i'm i'm came from philly so i'm waking up you know i just naturally waking up earlier

um and then yeah i just i went for a long walk in the how long yeah in the i don't know like um i didn't track it but maybe like an hour like um just just on the beach okay and then um I sat on the beach for a couple hours, just thinking. Most of my day consists of thinking. And what do you think about? Just the next moves, enjoying life. I'm a simple person, really. I think that's the way to put it.

But just like the next move to make. Sometimes I think I overthink. Like I think too much. And it actually could be a problem. That's one of the reasons why I don't get out there many videos. Like it might sound like I'm kind of just lazy, but it's also because I theorize too much. And like I kind of was like,

all right, well, I could make this video, and I'll think for a week about it. Like, what video should I make next? And I'll think for weeks. You've got to do some time cost analysis. I know. As long as you've been thinking about that, you could have done that video and moved on to something else. Maybe that's why you're a minimalist because you think so much. And if you had all these decisions and all these things cluttered around, it could clutter your brain as well.

It is true. Yeah. Yeah, that is true. But what do I do my free time? That is a really good question. I spent a lot of time with family. friends you know can't do that a lot this year anyway but um a lot of time with family you know so like i'm in philly so my family's like an hour outside philly so i can just go hang out with them all

time um you know grandparents just yeah in philly you live alone like yeah yeah yeah and do you have friends yeah yeah yeah yeah yeah i have friends what is your family what is you what do you say what do you like in the area yeah yeah yeah because so um i i i mean i born raised in pennsylvania so I have my hometown friends. I have a lot of friends out at Penn State because I went there for like two and a half years. So there's still, a lot of them are still there. And then I have a lot of friends in Pittsburgh because they all, all the Pittsburgh people went to Penn State. So like, yeah, all over Pennsylvania.

But I love being in Philly because it's good location. Like New York's an hour away by train. I can get the D.C. in two hours. Like it's just perfect location. I can be at the beach, Jersey Shore, an hour. So a lot of people around, yeah. What do your parents think of all this? Your YouTube success.

At first they were concerned. because actually I didn't tell anybody about my YouTube channel until they found it. I think I had like 10,000 subscribers. I did not tell my friends. I didn't tell my family. Right? Because it was like I didn't want people know. Even now.

I still don't even like there's a lot of people who don't know about the channel. But so my parents were like I was always threatening to drop out of college. It's not like they really had skin in the game because I was like paying for myself and stuff. So I didn't really like I didn't really worry about that. But they were concerned when I'd be like, I think I'm going to drop out of college next month. And they were like, no, please don't. Like, because every parent wants, like, security for their child, right? Like, they want their child to, like, take the nice, comfortable route that, like, is the most likely to succeed, right?

So they're concerned about it. And then I think eventually they just kind of started seeing the paychecks rolling in, although I never showed them, but they just kind of assumed, I guess, or my siblings told them or something. And then, so, yeah, they're supportive of it now. What were you studying in college? Marketing, yeah. So that was not to say that I'm against the school system. because I do think college is worth it. Like when you run the numbers,

it is still worth it to go to college. Even if you're dropping 100 grand on it, as long as you're going for like the right degree and stuff. Yeah, I went from marketing and it just kind of got to the point where it's like, I was making like 15 grand a month in the spring of 2019. And I was like,

I had like all these marketing classes and it was just, it just didn't. I was looking at it's like, this is not, like I'm not learning anything. It's I'm not, you know, so we're going to drop out. Yeah.

What are they teaching you? marketing. Just, you know, like managing marketing and then like, like, well, to be honest, I didn't pay a lot of attention. But like I, like a, I think I probably took, because the first year was all gen ed's. Second year, it's like a couple marketing classes here and there. I did the bare minimum. So, you know, I took like a handful of like 400 level marketing classes.

I don't even know. It's like market research, I think, was one of them. I genuinely just don't even remember because I did. didn't pay attention at all, but they weren't. It was like it was good stuff to theorize about, but it wasn't like I was, I looked at I said I might as well to spend more effort on something that I could make money off of. And also I feel like we've learned so much about marketing with YouTube, like with organic growth.

That I think that's valuable in itself. Yeah. You could like you could probably charge, you know, thousands and thousands of dollars for like a quick YouTube consulting call. Yeah. Right. And so I think we kind of learned marketing. our own way.

And what about, you said that you don't tell people that you're a YouTuber. So what do you do? Like, what do you, what do you, what do you, what do you, what do you tell them that you do? Whatever I'm feeling like at the moment. Architect, real estate. I think I got this from Tim Ferriss, maybe. If you read the four-hour work week, I think he said that. Like, if I'm in an Uber.

Is that it? Yeah, or like drug dealer or something. Yeah, yeah, yeah. Like, if I'm in like an Uber, I'm going back to my place, I don't, I don't like telling, like, Uber drivers, like what I'm, you know, it's like, oh, what do you do? I'm like, oh, I'm a YouTuber. and then they go on and see make like 50 grand a month or something and then they drop me off in my house like I don't want that kind of I made that I made that mistake oh yeah telling a

never driver uh we got so sketched out um we were we stayed in a really bad part of town when it was me and Kevin we were traveling really and I books like the cheapest Airbnb just not thinking I was just like this wasn't like Detroit where was this oh in Detroit yeah I didn't realize the neighborhoods and I just picked an Airbnb that uh that was like the cheapest one. Oh, just thinking, and, oh, even the, oh, so we had one Uber driver. Yeah, this was it. So we had one Uber driver take us to our Airbnb.

And this guy was so cool. And he was like, are you sure you going to the right location? I'm like, yeah, this is it. He's like, you know where you're going. And he's like, do you know people there? Like, it's an Airbnb. Because, oh, I was kind of surprised because usually, like, people don't stay in that area. Oh, no.

That's the worst thing to hear when you're getting dropped off. But he was warning us. Yeah. And we're like, is it safe? He's like, listen, as, as long as you stay in. you'll be fine, but don't go like walking around. And we're like, how bad could it be? So we show up at this place.

It's at night. So anyway, we're hungry, so we get another Uber to take us to a place to eat. It's down the street and we're going to come right back. So anyway, the guys seem really nice in the car. So I'm chatting away telling him like what we do. And I'm like, we're here to look at real estate. He's like, oh, yeah, what price range? I'm like, I'm just talking away, telling him every.

He's like, oh, you make YouTube videos. Like, yeah, we're here to make videos. And he was really, he seemed nice. He was really interesting. Yeah. But it's just, he started asking some questions that, then Kevin raised the concern that, like, listen, he now knows where we stay, how many people there are in the place when we're not

going to be there. Like, he could, he could find us online, see exactly, like what, and then what ended up having was like an hour and a half later as we got back. There was a car that just parked out front of the place. just waiting. Oh. And there was someone in the car, like two o'clock in the morning with his lights off, with the car was running.

Oh, no. And Kevin was just sitting there in the window just looking at this car. He'd be like, dude, we got to go. We got to go. I'm like, it's not that bad. I can picture Kevin doing this. And then the car drives off and then comes back again in the same location. And so we're like, maybe he's trying to like, scope it out.

So anyway, I ended up posting on Instagram and being like, hey, if anyone's in the area. Can you come pick us up? And we booked a hotel. But yeah, we got a subscriber to actually come and pick us up. And we actually became friends after that. He toured us around the whole area the next day. That's nice. Really, really, really, really cool. But, yeah. So. Yeah. You can rely on subscribers for things. Sometimes I, like, I mean, it's great. Like, whenever I travel somewhere, I'll, you know, if I just, like, post a story, I'm somewhere, like, I'll get tips from people that are like, yeah, avoid this spot, go to this spot, like, go to this restaurant. And it's great. Like, I feel like most subscribers are genuine.

like, you know, just want to help you out. I had so much fun. I went to Canada for a real estate conference, and I had a flight that went to Toronto, but there was no flight later to go to London, Ontario. And that's about a two-hour drive. Yeah. So I posted on Instagram, and I said,

hey, if anyone's willing to pick me up in Toronto and drive me to London, Ontario, we could just hang out. Yeah. And within 15 minutes, I had someone say, no problem, see you at the airport. Wow. He picked me up at the airport at like 6 o'clock of the morning,

drove me two hours to Launa Ontario. We hung out. I got him the VIP tickets to the real estate conference. He was there. You know how some people will just be like, oh, I'll be there. And then you ever show up. He was there the entire thing.

I got him into all like the events. We hung out. We became friends. Really cool. And that's just from posting on Instagram. Yeah. Yeah. You don't have to be careful.

Like you can have to vet them like, all right. Like is this person crazy? You could tell. You can tell really quickly. Yeah. But yeah, you meet some cool people for sure. Yeah.

Even just the other day, we had a subscriber come pick up my couch. Oh, yeah. I was upset about that. I'm still upset about that. He got a good deal on that couch. It's online right now for $3,100. He paid under $2,000 for it. So he got a door or what was it?

Yeah, it was one and a half inches too big. And they could not maneuver it around in such a way to get it through the door. I was so upset because it was six months wait for that couch. Yeah. It was so nice. And it's, I'm not supposed to. surprised that it was a six month wait because when I had to furnish my place, I realized that I think like IKEA and all these couch are like these furniture companies just assumed that like

whoever's in charge of their supply chain back in March or it's like yeah, half our customer base is going to die off and nobody's going to move and construction's going to stop for a year or something. So they just cut all production or something. And there's like a lumber shortage. There's like there's so many like being a supply chain person this year must be a total mess. Oh yeah. But I bought a lot of stuff too around March, April because every place went on sale. This is the very beginning of everything and I'm like,

and that's when I locked in that couch. Wow. It took six months. It took six months. And then it's just like, oh well, I'm still sad about that couch. It was nice,

Jack, wasn't it? It was a nice. It was a couch. And now I was going to go in the Vegas place? No, Macy's got a room for filming and stuff like that.

So I wanted to put it in that room and then it's nice. Sounds like you really, really distraught. Graham's really really like that. the couch. Yeah, you're really talking about it. Because that's, because that is honestly one of the best bedrooms.

Because I got my room for filming. We got the master bedroom. And then we got this bonus room here. And that gets the best light throughout the entire day. So it's like that couch should be so perfect in there. And we're going to put plants around it and make it look out nice. So I was looking forward to that. Oh, well.

What kind of goals do you have for the future? What do you look forward to? Um, so my goals are, you know, uh, I think every phase of life is, I kind of, I can't plan out my life, but for the next couple years, I just want to get to a couple more million dollars, eventually. I'm not like racing to it, but like I'll get to it.

And then from there, I'm just going to buy a huge piece of property and live off the land. What's my life? What's the goal? How many millions? I mean, I don't have a set goal right now. I used to have set goals for like income.

I didn't set one for 2020. And maybe that's why I haven't posted as much. because the money I just don't feel like matters that much, really as much. But like I'm going to get to it. Like probably $5 million or so. I'm going to look up this goal. I have not looked at this, by the way. So I made, I think I made this on New Year's Day.

Age chart? What? Age. No, no, no, no, no. I made on New Year's day every single year I make my goals, like resolutions that I want to hit. I don't look at it for the rest of the year. I just, I look at it one day. Wow.

I'm tempted to look at it right now. Do it. Live on the podcast. Let me see. Okay. I'm not going to show you all of them. But, you'll show most. I, maybe I didn't do one this year.

I always do one. Hold on. Sorry. Yeah, you got to set them before New Year's. I usually set mine like December 1st, so I have some time to like get a head start. Yeah, because if you set on January 1st, then you're behind. And this is a reach for me, by the way. So when I write this out, I'm like, this is a reach.

Yeah, you got a reach. One of my goals is make $3 million. In one year? In one year. You definitely did that. I didn't get that. Buy another rental property. Didn't really, I didn't do that.

I put 3 million subscribers by December 31st. I'm not going to get that. But these are like reaches. Like this is something I shoot for the stars. Like I don't think I'm going to hit this. 500,000 followers on Instagram. My big one was set up a reef tank. I have not done that yet.

But the drum set was in this. Start playing the drums again. I did that. What else was there? I don't want to go around them. I did a net worth goals probably in like February maybe January and I did not expect to be dropping out of college to be working full time. Oh, you dropped out. Yeah, yeah.

Oh, wow. I must have missed that. Was that like a episode? Okay. Because I knew you were in college, right? Yeah, yeah. Yeah. It was probably the right move.

Like, I think it's only good to drop out if you have something that's like going for you. Like when you can cost like, exactly. Yeah. Exactly. Yeah. And people act like it's the end of the world. If you drop out, it's like you're done. But you just go back if you had to, but you're not going to have to.

No. No, we got to keep this going, man. Yeah, you got to squeeze out. Every year's going to be better. Every year's going to be better than the last year. It will, though. It will. It will continue expanding, right?

Because I think it's just this evolution that where you start off, we're going to continue expanding. It's going to be like the Dr. Phil show at some point. So seriously, seriously, I have a little, I just have an idea in my head of what I want. Yeah. I mean, you could totally do it. because I think you are kind of the face of the finance, like, community right now. And people don't realize this, but, like, Dave Ramsey, he's, like, his company is making

hundreds of millions of dollars in revenue per year. People don't realize that. Like, they think he's just, like, this old guy, like, with a microphone just, like, in his basement or something with, like, an assistant. Like, he has a massive office building. He's got hundreds of people. Hundreds of employees. Yeah.

And honestly, like, I don't want to bash on Dave here and create some controversy. but like, you know, like, there's a lot, there's a lot more people who I think resonate with you. Like millennials, for example, can resonate with you sometimes. Yeah. A little bit more than Dave, just like based off like age and like, you know, Dave goes for a different demographic, though. Yeah, that is true. So he's cornered his market better than anyone else. And he makes, he's basically a matchmaker.

So he's got these affiliate networks where if you want a plumber, you want a contractor, you go through his pre-approved list and he gets a kickback from that. You want a real estate agent. He's got his pre-approved, vetted list. Do you want a financial advisor? And then you pay to become one of those people, right? You pay to become one of the people. I don't know the exact requirements. Yeah, with the exact requirements.

Yes. I don't know the exact requirements. We're just theorizing. Theorizing allegedly. Yes, theorizing allegedly. That I believe, my understanding, I could be wrong, is his biggest source of revenue. It is. Which is very smart.

You're going to get a rental property? I do have to get into real estate soon. I don't have any properties. Partially because, and I think Andre also kind of had this problem with like the income, you know, when you're buying a property, they want to see multiple years of income if you're self-employed. Yeah. So I'm waiting.

I'm going to file 20, 20 taxes and then buy property next year. It's kind of my plan. For yourself or is a rental? If I can find like a duplex, it'd be nice. I feel like house hacking is kind of the way. Like I know you've done that. Ryan Skrippner did that. I almost feel like for you, I wouldn't advise you to do real estate.

I think you're such a free spirit minimalist who enjoys traveling and not having a a lot of responsibility and overhead. I don't think you need a rental property, man. I'll be completely honest with you. I appreciate that. I think it's going to probably tie you down more than you would like. And I don't want to be tied down. No.

That is true. And that's probably another reason why I'm like taking my time with it. So maybe I just won't do real estate at all. I think for you, the less interaction you have and just the more freedom you get, it's going to be better for you. I think for people who really want to like build their wealth, put in the work and get the maximum return as spot, then I'd recommend it. If you were just like, I want to just do everything I can now for five years and then try to retire.

But if you're traveling all the time and you just like turning your phone off for hours on end and just sit at the beach and relax, the last thing you need is a property manager saying, hey, so your foundation has a crack, we need to repair it. Are you going to be okay with this thing? All right, now it's empty for a little bit. What do you want to do? Can you, it's another thing to worry about. I think Ryan Scribner was talking to me about that with his properties. He said, like, he's glad that he bought it, but, and I don't want to put words in his mouth, but like, with the time that, like, he, like, you know, just the little things and, like,

what he's billable at for his rate is, like, it's not really worth it. Like, when he, even if he has to spend 30 hours a year thinking about the property, and if, you know, say you make $5,000 on a property or something over the span of a year, but you spend 30 hours on it, like the hourly rates is not worth the time. Right. So you kind of have to go big or something. Yeah. For me, I loved it.

because I had, while working as a real estate agent, I had like just free time throughout the day. So for me, it was like, it made sense. I'm going to spend a lot of time doing this and I enjoyed it. But then as your time becomes more valuable, I don't want to deal with it as much anymore. Just because it's just not worth it. And I sometimes think, we've got to call Samsung tomorrow.

Sorry, I was supposed to text you early about this. This is how stupid it is, okay? I bought a brand new dishwasher for the rental property, and it was like $500. box and the front seal of the dishwasher is peeling back. Yeah, and it's brand new. Yeah, exactly. So Jack was on the phone.

How long were you on hold with him? Oh, that's such a pain. Like, probably like an hour. So an hour and a half. So an hour and a half for this peeling thing in the front. The technician goes out and says it's not covered under warranty because it's not, it's not damaging the actual, like it's just, it's just a, what do you call it? Like surface level.

It's just, um, it's just, it's just, it's just, it's not covered under warranty. just cosmetic. It's not covered under warranty. I swear. And it's brand new. The whole thing is peeling in the front. Oh, and also because it's not throwing an error code, there's nothing you could do about it. So we got to call Samsung again. And I'm thinking like

one hour of like my time for a consulting call would pay for that three times over. So why am I like dealing with the Samsung repair? I mean I shouldn't be dealing with it. Why should just get a property manager? Because it's like this comes up every now, like rarely. And I look at the cause of a property manager. When it does, I don't know.

I know, but like I've done it. It's just like everything runs so automatic, but then there's these little things that come up like that. It's just like it's one thing I have to deal with. Yeah, I hear you on that for sure. So probably. Yeah, I mean, is there anything that you wanted to ask or talk about?

I don't think so. What's on your mind? What's on my mind? Not much, I know. Just enjoying the podcast here. Any questions for me that I can answer? Yeah, I could do for you. Yeah, I mean, so you kind of already said kind of what's next.

for you. What could you do for me? Yeah, what can I do for you? I don't know. I'm not good of thinking on the spot like this. I'm sure I could sit and go for another walk and come back to my use. Take a few hours. You could only shoot me a tent, like anything you need, obviously.

But yeah. I don't like to bother you because I know that like, no, like you probably know what I'm saying. It's like you get, you probably get a lot of messages now. And it's hard to keep up. Isn't it hard to keep up? It is. Yeah. And so like if I have a thought, I'm like, oh, I should ask Graham this. I don't because I know how busy you are.

Just ask me because I know. You know what I mean? Because, like... No. No, I get what you're saying, but the thing is with me, if you shoot me a text with an idea, sometimes it gets me thinking, like, we have group texts for going over titles and thumbnails. And so I love doing that. Like, I always open titles and thumbnails because I like to go back and forth and helps me out too.

And, like, we all benefit from it. And I do the same thing. I shoot out titles and thumbs. Which one do you like? So anything you need. Okay, cool. Yeah. Because it gets all of us thinking.

We could all... Because I'm sure there's going to be points where all ask you a question. be like, hey, man, I don't know what to do on this. Yeah, and it's good to be in all, like, these YouTuber groups. Like, I'm in a bunch of these where it's like a bunch of, you know, YouTubers with like a million subscribers each and like somehow I got put into them. And you, yeah, you throw in your thumbnail. You throw in your title and you're like, hey, is this good?

What do you think I should do? And you get some really good insight from that. Yeah. So, and there's some people, too, that really know titles and thumbnails and others I just know not to ask. Because it's just, it's bad. Yeah. But I guess that's why you don't ask me.

Yeah, you really got to know people who know the finance niche too. because I've asked titles and thumbnail questions to people who don't know the finance niche, but they're really good at other niches. And it's like that would not work for me at all. So like finance has its own little section that works for finance, other content for other content. So yeah. Can't think of anything. It's okay.

I can't really think of it. If you come back in. You have your life all figured out, man. I kind of like the things that I do. But hey, this is how it's going now. And, you know, maybe next year it won't be figured out. but we'll have you back on in a year I think that would be fun

yeah let's do it one year later make some predictions yeah put it out put it out in the universe year later I think I might start growing out the beard we're coming up on November I hate having to shave every day

it's like terrible yeah I'll grow out the beard grow out the hair how long like this guy I just won't get hair cut until next year

is time are you serious why not yeah what is that into the into the wilderness into the wild into the wild yeah do that do that do that

I think I'm just going to go off the grid. Like just because, like, I'm going to go, like, I'm going to disappear. I'm going to stop uploading videos. I think I'll hit a million subscribers. Yeah. And then just go, like, completely ghost, like, for years, like a decade. Oh my. What?

Yeah. And then just, like, make a comeback one day. That's, okay. Well, that's, that's probably what's going to happen. I'm just predicting it's like, yeah. But I want to hit a million. I also don't really want to, I don't want to be like a big brand. Because it gets weird.

Like, even now. I get stopped on the street sometimes. And that probably happens to you all the time. But for me, it's usually like maybe once a day or once every a couple of days. But sometimes it's weird. Like I'm walking on the street and like someone's yelling at me. And I'm like, what's going on here? And they're like, I love your stuff.

I think it's so nice, man. Yeah, but it's creepy. People really appreciate it. No. Last week I was sitting next to a guy on a train. And I get a message. Like, I had this weird feeling. It's like, I should check my Instagram message request because I had some free time.

So I look at it. And like the message I was like, hey, are you on the septa train right now? And I'm reading the message. I respond like, yeah, are you? And I, like, the guy next to me gets a notification, pulls out his phone. It's me messaging it. And we both look at each other. And we're just like, and then we started talking.

But like, it's just creepy. Like, I don't want to be, I could not imagine what it's like to be like, say, like Leonardo DiCaprio or something where you can't even walk down to, you know, Del Taco and get some food. Like, you can't. I don't know. Everyone that comes up to me is like really into personal finance. They're into real estate.

We have the same interests. I, like, I don't mind it at all. because if anything, it's like you get to see the real world impact that you have on people and the result of just like everything you put out there, you could see how helpful it could be. So that's what I like, because you don't see that all the time. And you see the views and likes and comments,

but to see a person be like, dude, my credit score is like 800 now. I'm saving like 25% of my income. I just bought a dupe. Like I went to Bank of America to deposit, no, to grab some cash. And the teller was like, dude, I bought a duplex. Oh my God. In Riverside. Yeah, in Riverside because of your house hacking video and I'm houseacking it.

And so to see that like, wow, you could actually make an impact on like people's lives. Like this is real stuff. It's incredible. Like you don't get that unless you meet people. I agree with that. I would rather not be the face of it and still be able to do that with a brand or something. You know, like just if you own like the Barstool Sports model and you like own a lot of podcasts and stuff. So like you're behind it.

Like for example, if not that I would ever run for politics. like in politics, but I would much rather be the campaign manager than the actual candidate. And I didn't realize that until I started growing, not my brand. Fair enough. That camera,

it's probably a cue that we got to wrap up. Yeah. Well, that's fascinating. Thank you so very much for coming on. Yeah, thank you. Thanks for having me.

This was fun. Do you have a fun? I hope you had a good time. Oh, yeah, of course. Okay. I'm sorry I didn't drink your coffee.

Oh, that's fine. Anytime past noon, I can't drink caffeine. I gave you coffee the last time that we did a collab together. I think you did. Yeah.

Yeah. So what did you think? Tell the viewers, what do you think of my coffee? It's good. I think you should start a coffee brand. Maybe in the works. If you guys hit the like button, comment down below and say,

Graham, start a coffee brand. If we get three people saying, I should start a coffee brand, I'll start a coffee brand. Three, just takes three people. And then just every podcast here is just, you're just pushing your coffee. I'll start it.

I think you should start a coffee brand. Yeah. Okay. So that's one. So if you get two more people. I think you should start a coffee brand. All right. So one more person has to.

But can you say that as well? I need to start a coffee brand. There you go. We're starting a coffee brand. All right. It's in the works. I think that's the next step. I would like to do that.

Let's do it. Thank you so much for coming on. It was amazing meeting you because I have seen plenty of your videos before. So it's really nice to meet you in person. And thanks again for coming on. Thank everyone here for watching to the end. Yeah. And, yeah.

So with the first. that said you guys thank you so much for watching i really appreciate it as always we'll link our instagrams down below in the description uh get your now three free stocks oh my god they just keep adding yeah but they did and they didn't so the two free stocks was they were worth at minimum eight dollars now they're giving three free stocks with no real minimum what but uh so you be anything so that's the thing it's like it it's a worse offer but it sounds better it sounds way better yeah because getting two free stocks worth at minimum eight dollars at 16 bucks, but they could give you three stocks worth $3 each or 12.

But you get three of them. They up to the ante. It is. I think psychologically people would rather get three free of something than two that are guaranteed to be worth a little bit more. Because there's more chance that one of them is going to be potentially a big one. Yeah, exactly. And I had someone actually reach out.

They got like an $800 stock. I forget what it was on Weebel. No, no, it was a Google. They got a Google stock. Wow. Yeah. That's crazy. Someone got a Google stock.

The biggest stock I've got so far was Alibaba. And that was like $2,000,000 of the dollars. Wow. So anyway, if you want the free stocks down below in the description, we got the mentorship group down there too. We meet twice a week every Sunday and every Thursday. If you guys want to talk. And Tuesday.

And Jack this Tuesday. If you want to talk, hang out with us. Yeah, the link to that is down below the description too. Thank you so much for watching. Thank you so much for coming on. And until next time. Until next time. Cool.

And then for thumbnail, I'm just going to pull a picture. No, we can't talk. We can't just turn off and on. Save. We got to save it for the... There we go. Thank you. I hit the nail in the head.

Yeah, you did. I was right. We had to talk earlier today about why you don't post much. And I was like, oh, you just are enjoying life. Yeah. That's so cool, dude. I'm so envious. We got to talk about your free time.

Oh, yeah. That's what we got to talk about this. All right. Cool. All right. It's weird angle right here because it's like... The table, yeah. Alright.

All right. All right, I'll just do that. We're good? Yeah. Go.