The Iced Coffee Hour - Confronting Tiffany Ma | How She Spends $60K Per Month

Episode Date: May 31, 2021

Sign up to Morning Brew for free today https://bit.ly/3hVhf53 On this weeks episode we are joined by Tiffany Ma, after going back and forth with Graham on the second channel we are finally able to confront her face to face. Subscribe to Tiffany Ma: https://youtube.com/c/MissTiffanyMA Add us on Instagram:  https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Official Clips Channel: https://www.youtube.com/channel/UCeBQ... GET YOUR FREE STOCK WORTH UP TO $50 ON PUBLIC & SEE MY STOCK TRADES: http://www.public.com/graham  Join the 2x weekly mentorship group: https://tinyurl.com/yaexko4o The Equipment used: https://tinyurl.com/y78py5g2 Audio Equipment Used In Podcast: Rode NT1, Rodecaster Pro The YouTube Creator Academy:   Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF  For Podcast Inquiries, please contact [e-mail] *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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My name is Tiffany Ma. And so far, we've made $67,800 on this episode. On this podcast. Oh, wow. She put a spin on it. I hope it happens one day. That would be amazing. If we could make $67,000 for an episode.

That was so much pressure. I'm not going to lie. Really? Yes. You did great. I will say that's probably the best one we've had so far. Don't. Don't hype me up like that.

No, I'm serious. It was great. Jack rarely says that, by the way. Oh, thank you. Yeah. Thank you. Well, thank you so much for coming on the podcast, coming all the way from Los Angeles. Yes, it was a five-hour drive.

Really? Wow. Did you do that this morning? I did do it this morning. Oh, we did that too. Yeah. Actually, wait a second. No, yeah, we were an hour ahead of you.

So we went to Los Angeles briefly yesterday just to support meet Kevin. He's running for Governor of California. You got to vote for me, Kevin. Vote for me, Kevin. But he was holding a rally in Venice Beach. And last minute, we decided it would be a really good idea to go down and surprise him. That's good friends right there. I also can't believe he's running for governor.

Yeah. He's serious about it too. People were actually messaging me on Instagram and saying, I didn't know he's serious. I thought it was like a publicity thing. I thought he was doing it for clicks. Like, no, he's actually serious. He's really doing it. He's running.

Do you know who the other candidates are other than Caitlin Jenner? Gavin Newsom? Oh, that makes a lot of sense. Do we say his name here? Do we say his name? I don't think it's his name. Okay. Yeah.

We can bleep out the name as well. Yeah. Kevin calls him gruesome newsome. Why is that? He's not a fan. Oh, he's not a fan. It makes a sense. It's his opponent.

That makes a lot of sense. So we should probably give you a little bit of an introduction before we proceed. Graham, you like saying the story. Yes. Okay. So Tiffany Maugh. You are, yeah. So you are a YouTube influencer.

Yes. You did this. And you posted a video a long time ago. Maybe like, what was it two years ago? Probably. How you bought a $1.3 million house at 25 years old. Yes. And in that video, I reacted to it.

And I forget at the very end, I said you clickbaited us because you never told us the details of like how expensive the house was. Yes. So you gave basically your entire story of how you got started, how you made money from YouTube, You saved it up. You bought this house in Los Angeles. And it looked like a really nice house. Thank you.

So I reacted to it. And I'm like, you didn't give us all the details. Then you made a video of, what was it? How you spend your money? It's how much I spend in a week, I believe. Yes.

How much you spend in a week? I reacted to that. Because in that video, you went down your house expenses. And both of those videos, by the way, did extremely well on our channel. Yeah. They really did.

They were all once. Better than mine. I was like, Graham is making more money off of me than I am. Which is so embarrassing. It's embarrassing for me. It's really good for you guys. So this also happened with, I felt so bad for Shelby Church.

She would put like days of working to these videos that I would just knock out like 30 minutes. And the video that I would react to in 30 minutes would like triple the views of Shelby's original video and make like double the amount. Don't hate the play. I mean, mad respect for you for figuring out that reaction videos do so well. So we realized like way to Sigmarond is something because two videos in a row from your channel did really well. So like how else could we extract value from this channel? And we.

You guys did. What was the next one? You posted another video. It was how much I spent in a month. As a homeowner. Yes. Right? Yeah.

Yes. Yeah. So then we did a third one. Yes. So yeah. We're not going to stop it too. No. Go three for three.

Oh, man. How much I spent it a month. And that video exceeded our expectations. Did very well. Really well. And then you realize this. You're like, you know what? I'm going to make a response video to Graham.

So then you respond to me. And then I'm like, now it started. Because now that you responded to me, I got to respond back to you. You know what? I was jealous. You were making so much money off me that I was like, I need to make money off of Graham somehow. Smart. It's smart.

And by the way, all of these conversations. conversations were happening through YouTube. We had reached out like briefly, maybe a year ago saying like, oh, you know, we should all just grab dinner at some point. But everything else beyond that was like through YouTube. So I would hear your response. Record myself responding to you. Post it on YouTube. Then you would respond back.

We did this like five times. And it was very successful for our channel. So now, this is the first time we've met in person. That's amazing. So hi. Hey. So thank you so much. The story doesn't end.

there. Oh, let's continue. You forced, you didn't force me. You, uh, you really tried to get me to make a video that I was really uncomfortable making. Wow. But I did it because you said that I should do it. And I said if I got 5,000 likes, I would make it, which was, but first, I want to thank this video sponsor Morning Brew. Before I discovered Morning Brew, my morning routine consisted of me endlessly scrolling through social media or staring at Elon Musk's Twitter page to see what crypto he decided to plummet that morning. But now I'm subscribed to Morning Brew. Morning who? Come on, Graham. I said morning brew. Oh, duh. Morning brew. Oops, I am so dumb. Wait a second. Jack, did you write this script?

Morning brew is a free daily newsletter that's delivered all week. It catches me up on business, finance, and tech news in just five minutes. Traditional news is so boring and with my tight work schedule, I need something that is easily digestible and won't take me all morning to read. That's why morning brew is relative and informative while keeping it concise and to the point, which I absolutely love. Something really helpful I've learned on Morning Brew is that lenders have been calling employers to confirm your working from home, which is super helpful because I'm actually looking to buy my first house. And I really hope they don't call Graham. They better not because I won't pick up. Right. Anyways, there is no reason not to subscribe to Morning Brew if you're interested in business, finance, or tech.

Plus, it's completely free and it takes you less than 15 seconds to subscribe. Seriously, guys, I've been using Morning Brew for well over a year, and I absolutely love them. I read pretty much every single newsletter, every single morning. And I really want them to be able to sponsor us again. So go and click that link in the description. Go and subscribe. You're not going to regret it and enjoy. How much money I make in a month?

That's right. $40,000 a month. I feel like that's on the low end. Was it 60? It was 60. I thought it was 40. No, that was Kelly Stamps. Kelly was 40.

Gosh, I'm confusing everybody. $60,000 a month. But I feel like that would be on the low end. It's got to. be. You know what it is? It's my sponsorships really fluctuate, which is the number one thing I hate about what I do, which is why I would love if the majority of my income actually came from AdSense because it's very, very steady. No, some days I have really, really good months. Some days I don't get paid for four months later. So is it the same for you? Because I know you do sponsorships

as well, but do you get paid three months later? Yeah. So there was one that I'm never going to work with again. We'll bleep it out, Alex. To know. Yeah. It has been terrible. I will never do them again. They're a fantastic product, but just bleep out. They're a fantastic product. I actually really like them. But as far as having them as a sponsor, we'll never do it again. How long do they take? Like four or five months. That's a long time. It was terrible. Wait, that's bad for you guys. That's bad. Four or five months? Yeah. Who's your agent? Who's your agent? So I was with WME, but I'm no longer with them and I just have a manager now.

You should, I feel like it's not the brand's fault. It's the, it's the agent's fault if it's taking forever. So the story I'm going to say is actually before I had an agent or a manager and I used to have a fake manager. I was smart but dumb in some ways. I would pretend I would have a manager so that I could actually ask for more money. So my girl's name was Lisa Bates. I'd be like, I'd get the incoming email and I'd be like, yeah, let me send it to my

manager. My manager's name was Lisa Bates. I'm not going to lie, trying to make her sound as Caucasian as possible. And she would be the one dealing my deals. But... Wait, so you were catfishing? So you're pretending to be the manager catfish. And I worked with massive brands catfishing.

Like, I'm talking about Fortune 500 companies, catfishing them. And then I finally got a manager. But... You should have done Lisa Gates. Or like Lisa Bezos. Schwartz or something like that, you know? I mean, I honestly, I look back... Lisa Musk.

Lisa Musk. I think what was... What was that movie with Christian Bale where his last name was Bates? American Psycho. There you go. I think I just watched it. I was like Lisa Bates is in it.

There you go. But we'll bleep this out. You know, didn't pay me for a year and a half. And then they paid me... Wow. It was a $10,000 brand deal. This was before I had a manager.

So the $10,000 to me was so much. Right. They only ended up paying me seven. Why? A year and a half later. Why? I don't know. I even emailed them.

This is $3,000 short. They never responded. Wow. How do you land those like mainstream media like brand deals? You know what it is? I think it's because we're different types of influencers. I definitely am more of a lifestyle influencer. So I work with 17 magazine Vogue, Target, these massive actual Fortune 500 companies.

And I think it's just the type of content that. I produce. So if you see my Instagram, I think my photos are cute and good. And I'm also very relatable because at the time I was in college. And I don't know. That's a really good question. I think that I think of that every single day. I can't believe Target wants to work with me, especially since I cuss now. I find it very surprising. Let's go all the way back. How did you get started doing all of this? It's a crazy story. So I was 16 when I started. I watched a lot of makeup videos on YouTube and I was like, I think I can do makeup as well.

I could not. Terrible makeup artist. I'm not even a makeup artist, terrible makeup. A plier in general. And then I graduated high school, went to UCLA. I was consistently making videos maybe once every other month. My senior year of high college, sorry, I got a full-time offer for $60,000 doing,

I was business economics. I'm so sorry. I'm all over the place right now. There's so much to this story. So my junior year between senior year, I had a summer internship for one of a pretty big accounting firm. They gave me a full-time offer. It was $60,000.

And then that February, right before I was graduating, both my grandparents passed away. And I had a midlife crisis. So I remember crying. I actually called Tammy, who's sitting over there. I was like, Tammy, I don't want to do this job. I think I want to make YouTube videos full time. But the problem is, I only made $11,000 or $13,000 the year before.

That's not bad. Like, that's pretty good. That's true. But going from $60,000 in a cushy career-driven job where there's a corporate ladder that I can climb versus $11,000. I was like, I don't know. if I'm throwing away a career just for YouTube. That's an 85% pay cut. Oh, that's, yeah, that's good math.

Yeah, that's what it is. Yeah. Imagine that, Jack. 85% less. You wouldn't be able to eat all the fast foodies eating. That's a reference. Don't even. Well, thank God that a year later I was making six figures.

So it ended up being perfect. Wait, so you went from $11,000 to $100,000 in one year on YouTube. How? I grew so fast. I think I graduated with maybe 100,000 subscribers and then it grew to about 6 to 700. So how much were you making with 100,000? $11,000. So when you quit your job, what was that like, by the way, quitting? I emailed the guy and I was like, is there any way I can defer my offer? Because I actually technically didn't start until October of 2015 after I graduated. So we were able to defer it to October 2016 because of the last.

they absolutely loved me. I'm the biggest kiss. I love talking to older people. I'm just, I genuinely just, like, love to get to know people. So, like, all the partners loved me and they were okay with me deferring. And you just decided I'm going to dive head first into YouTube. Yes. So you never rejected the offer, though. You just deferred it. I just, no, I accept it, which is the biggest no-no you can do at UCLA. They tell you all the time that if you ever get a job offer, never accept it unless you, like, don't accept it. Yeah. Because it takes the job away from someone else. Right. So definitely a mark on my transcript there. But I, they actually emailed me in July 2016 asking if I was coming back and I said no. Yeah. So they're probably very unhappy with me. How often were you

posting? Like what was your once a week? Once a week. What was the financial situation like at that time? Like, how were you able to support yourself and save and make YouTube videos? Um, but the year after I graduated college. So actually I convinced Tammy to move into with me in a loft in downtown LA in Skid Row right behind Cecil Hotel. Wow. Yeah. That by the way, I think I watched what was that? It was on Netflix about the Cecil. Yes. It was a I highly recommend anyone that wants to watch this thing. It's a nail biter. And I lived right there. Wow. Yeah. That was my view was a Cecil Hotel. For those that don't know, the Cecil Hotel is located in this area of a lot of, like, transient sort of people who come in and out a lot. And there are a lot of people who go missing from this hotel just because of the area it's located in.

And the whole story was about a tourist who stayed at the hotel. And then you see this footage of her kind of going kind of nuts. Oh, is that the one of her, like, in the elevator? Getting in and out of the elevator. No way. And she. She disappears. They find her in the water tank and they try to discover what happened to her.

And they try to trace back like where did things go wrong? Really, I don't want to give it away. That's crazy. Watch it. There's a Netflix documentary on that. Is there a solution or do they just leave it like as an ambiguous thing? It's like a 99% confirmed solution. But like there's maybe that one percent chance for like that's not what happens.

Yeah. I've seen like top 10 scariest real life horror stories like YouTube videos on, you know, videos on YouTube. Yeah. That's always like it was freaky. Like watching her in and out of the thing. Freaky. She was like looking out of the elevator too.

Trying to hide from someone. And then they found like some like foot. So there may have been like someone else there. It's watch it. It's a good. It's definitely a good series. Have you been to the Cecil Hotel? I have not.

But I watched by it all the time since I live right there. But that's not even the scariest place I've ever lived at. Okay. Surprisingly. I actually, I've actually never told anyone this. And I don't know. I'm telling you.

We're getting vulnerable. We're getting very, we're getting deep. We're getting to know each other. Maybe we'll add right here. Shout out to the Clips channel. So you know what, Tiffany? We actually just made a Clips channel for this podcast. Nice. Wow. That's amazing. Isn't that awesome? That's perfect. Yeah. It's linked down below. Welcome back from the sponsor. That's right. Welcome back from the sponsor. That's right. So the scariest place I've actually lived at is when I grew up, I grew up in the ghetto. So I think a lot of my fans are following. I think I've had a cushy life. I didn't. I grew up behind a trailer park growing up until I was about eight years old.

What location was this? So this is Sacramento. And it's in a neighborhood called Broderick, which is actually one of the worst neighborhoods in Sacramento. So, yeah, so I've seen some things growing up as a kid. What made that part so dangerous? It's scary. So there's gangs in that area for sure.

And then there were deaths and drugs in the trailer park right behind us. So, I mean, I grew up in Section 8 housing. So I don't know if you're familiar. Very. Yeah. So, I mean, my family was on food stamps. I was living with my grandma with my sisters at the time. So I didn't even live with my parents, which is very, very common if you're Asian,

like in the Asian culture, a lot of your grandparents will raise their kids or your grandparent will raise you. Why is that? Because I've seen from my Asian. friends, they're all in one household. So it's like a multi-generational household. The grandparents will live with the parents, who live with the kids.

But is it, why do the grandparents raise the children? Well, my mom was an entrepreneur. My entire family is so pretty much entrepreneurs. And thank God that my parents and my family got us out of that situation. But they actually moved to New York. They only took me weirdly. And my two older sisters were still in Sacramento.

and they went to school out there. And then my parents got divorced when I was four or five. And then I got sent back to Sacramento to live with my sisters. And I think it's a, I don't know why. I think it's very odd. I could never give up my kid and make my mom watch them. But, you know, I think it's a different culture thing. And it's a, yeah, I can't explain why.

Okay. Yeah. How do you think that that childhood experience has affected you today. And your thoughts on maybe like money or relationships or something like that. You know what? I see, I think I'm good with my money until Graham Stephan makes videos about me. And I'm like,

you are good with your money. You're good with your money. But I make everybody look bad with their money. Yes, you make me look so bad. You could be like a financial minimalist. And I'd be like, wait a second. He spent 15 cents more than you needed to. Yeah.

See, I, yeah, I definitely think I'm pretty good with my money. I made a pack with myself. when I was in fourth grade to never ask my parents for money ever again. So I have not asked my parents, my grandparents, anyone for money since I was eight. How does it happen at fourth grade though? You know what it is? I hate to call out my other sister. My other sister, I hope you're not watching this tree.

So my other sister is, she would always ask my parents for things. And she knew that we didn't grow up with a lot of money. So I could just see the stress on my mom's face. And I'm definitely very empathetic. and I definitely grew up a lot as a kid. I think I grew up really fast as a child in the situation that we were in. There's a lot more trauma with that as well.

But I just saw how much my parents struggled that I didn't want to be a burden on them. So not to say that they never gave me money. If they gave me money, I would never deny it. It was just that I would never ask for more on top of it. So like if I wanted to go on a field trip that was $25, I made sure that was my own $25 that they had given me prior. It wasn't like, I need $25 for a field trip.

It was like, oh, like, thanks to the- Save and budget. Yeah, yeah. So I've kind of been like that my entire life. But you make me look terrible. Jeez. All right. I'm calling you out, Graham.

Graham's just a bully making all these videos, getting more views. No, it's like relentlessly pushing. Don't feel, I'm not trying to make you feel bad. I'm so sorry. That's not my. So Skid Row. So you're living around Skid Row. at what point do you do you leave that area move somewhere else?

I only lived there for a year because I was making six figures and I was like I can't live in Skid Row. Although I will say I was never scared to live there. Like to be quite honest, I never locked my doors. Like we had it unlocked all the time. But my sister moved out. She moved back to Sacramento and I moved to South Park, which was kind of a more boogeier area of downtown L.A. and I had a really nice one-bedroom apartment for about, I think it was about 2,000 square feet for,

I think it was 3,400. That was definitely a splurge for me at the time. I lived in Lamar Park for about a year after that, and then I moved to my spot now. Do you know where my spot is? Yeah, it looked like West Adams or something, right? Yes. Like around that, because I used to be, yeah, so I lived,

in West Adams. And I've seen all of the houses around the area. Oh. But I looked around all of those areas. I've seen everything. Because I was obsessed with just trying to find good deals in that location. And I was actually, I was in escrow briefly. I listed the house for like 1.5.

And I got an escrow, 1,5.50. And it just had so many issues. And the seller was like giving me shady information. Like stuff that if you were a seller, you would have known about these things, but I can't say that the seller was like lying about it, but you should know if the house is on a septic tank or not, right? It's on a septic tank?

Yes. So there was a guest house that was built on the property that the seller said it connects to the sewer line. So I said, okay, I'm going to get my inspection done. Turned out there was no sewer line to the guest house. The guest house was on a septic tank. but that whole area wouldn't permit for a septic tank

so the septic tank was put there illegally the guest house they had no record of any permits ever being pulled for the entire guest house and they quoted this square footage that included the garage I'm like we don't include garage in this square footage a lot of the house is not on

public record they had no record of this stuff and a lot of the renovations were done without permits and it was like so much like so much this is like just wrong with this property. I asked for a huge repair, like $100,000, basically a credit back for all of these issues.

And they told me no. So I backed out. Now, the final joke was on them because they ended up, they, then didn't the illness hit. Yeah. They took the house off the market. I was like, hey, look at debt. Took it off the market.

Well, guess what? They put it back on the market and they sold it for like 1-8 during the illness. A sucker got it for 1-8. Yeah, I would not have paid that. Listen, it was a gorgeous house. Like visually, when you walked in, to me, it was a 10 out of 10. Graham was trying to find the photos of this old house. I was going to actually buy a house with my ex-boyfriend.

Didn't it work out? Why would you buy a house with a boyfriend? You know what? It was just like the next step. It was like... Wouldn't the next step be getting married? You would think so in my head, but in my head, I really wanted a house. I really wanted a house.

at the point where I was sitting on too much money and it made me really uncomfortable and I was like, I need to put this money somewhere. And I didn't know how to have that conversation with my boyfriend where I wanted it by myself. So it wasn't forced, but it was like, I'm trying to be nice and pretend that this is going to work out forever type situation. But he's amazing. I wish him nothing but the best. But we were in El Serena. We found a beautiful house and we put an offer. we were in escrow for about almost two months because they could not get it. I forgot what the license is called. An occupancy license.

Occupancy permit. Oh yeah. Certificate of occupancy. There you go. Yeah. They couldn't get that. And I remember, so while we were signing escrow, I saw this guy's name who was the seller. And I looked up, I looked up his name and he used to work for the LA City Council.

I don't even know if I should be saying the story. And I find I find out there's a lawsuit against him because he tried to, he was, he partook in illegal activities while he was sitting on the council. So either way, it turns out that once we were going to get the house, the neighbor was planning on suing us for a land easement because the walls, our walls were on their land. So they told us this two days before we were closing on the house, like two days before we were putting money in the house.

My ex-boyfriend and I were literally sitting at Wells Fargo. The line was taking so long that we were like, okay, we're just going to actually send over our payment tomorrow. It was like the rest of our down payment, like the other 17% of it. And literally, we, uh, literally, we, uh, the next morning we found out, we find out that the neighbors were going to sue us once we got the house. That's a blessing in disguise.

Yes. And then we broke up a month later. So it was just like. Why do you guys? What happened? No, now I'm just curious what caused the breakup. Nothing bad happened.

It was the breaking escrow. I don't know if that's the right term. Made me real. It was a wake up call for me that, you know, like things weren't happening the way I wanted them to. and I was just kind of going with the flow when I shouldn't have been. Yeah.

That's a blessing in disguise. A hundred percent. But yeah, I'm with Dave Ramsey in this. You never buy a property unless you're married with somebody else. I would never do that with like a girlfriend.

So you bought this by yourself, I'm guessing? Okay. Yeah. Amazing. Until you're married, you don't buy a property with somebody else. Well, in Colorado.

I don't know if you saw that I was in Colorado in February for a whole month. When we were doing the back and forth, I was in Colorado. we were out there to find a house with my boyfriend. Boyfriend. A different boyfriend. You're trying to find a house with a boyfriend again.

I don't. I've never, I mean, yeah. Would you? I'd say he's the one for me. He's the one. The feelings I have towards. We've been dating for three years now. Yeah.

Would you want to get married or is that something it's more of just like a like a partnership? Would we want to get married? Amazon presents Jeff versus Todd. truck salsa, whether it's Verde, Roja, or the orange one. For Jeff, trying any salsa is like playing Russian roulette with a flamethrower. Luckily, Jeff saved with Amazon and stocked up on antacids, ginger tea, and milk. Haboniero? More like habanier, yes. Save the everyday with Amazon. I guess, yeah. Yeah, I mean, we've talked about getting married.

for sure. But for like next steps, we both wanted to have a house in Colorado for our future kids. So I thought it was just good timing, but it turned out it was terrible timing. The market in Denver, Colorado was so hot. Right. Right. I don't know. I'm, I'm maybe old school. I think maybe marriage. Yeah. And then, and then you buy a house together. So what about kids? Like you'd want to have like, I'd want to get married first before having kids. Do you guys live together? Yeah, you do. Yeah. Yeah. But I was to say like if I was to get, have a kid right now, I'd, I wouldn't think anything of it. Yeah.

Yeah. I'd be like, okay, like, our plans are changing a little bit, but that's fine with me. I love the idea of getting married, but I don't need a ring on my finger at the same time. Although, Matthew, if you're watching this, I'd still love a ring. I don't know which camera to look at. I'm looking at all of them. That one's on you. You got to propose, man.

Matthew. Yeah. If you do it, make sure to do it on the Stafamily vlog. Yeah. Perfect. So we can monetize it. I'll send the letters to Graham. Yes, yes, please.

So here you. are today, $60,000 a month, where are you investing it right now? Where's it going? Oh, man. I'm not going to lie. I'm sitting on a majority of it and cash and just losing money. I don't know what to do with my money. That's why I wanted to buy a second home in Colorado. Well, tech stocks just dipped and so did cryptocurrency. You buy do crypto. You buy Dogecoin at like under 30 right now. Yeah. I think it's like 27. Yeah. Yeah. So why do you want to buy the property? in Colorado, what would that do for your money? Would you write it out?

So I want, I mean, you've lived in L.A. All the schools in L.A. suck unless you live in Culver City or any of the other areas that are really hard to purchase in. So I want kids in the future, not anytime soon. And I just wanted a good school system, which is in Denver, Colorado. My boyfriend right now used to live in Colorado. He absolutely loves it and I've fallen in love with it because it's definitely a very outdoorsy space. We can go snowboarding.

I snowboard. So I mean, I just was like if I have, you know, half a million in the bank right now, I should put it somewhere that will make me more money. So we're hoping to actually purchase a vacation rental. So it would be like an Airbnb but also our second home at the same like a vacation spot for us. Got it. I would diversify because you have your house in Los Angeles. Yes. I think putting more money in real estate in another location would be a little bit too concentrated on real estate.

Really? I do more stocks. Yeah. How much money do you have invested in stocks right now? I think about 180. One, yeah. Yeah. I would get that up.

Yeah. Especially, let's say if you have 500,000. Well, luckily we're doing a video when you get to spend $10,000 of mine. Wait, what? Explain this to... That's the video content? Yeah. Wait, just spend it or invest it?

Spend it. Spend it. On myself. You're kidding. Yeah. I'm giving him $10,000. You're kidding. 100%.

Are you serious? She's giving you 10,000. I'm buying followers. Because she said, like, I never spend money on myself. So I have one day to spend $10,000 on myself. Are you kidding me? No. No.

It's a video. Oh my gosh. I feel terrible. Why? Because we made all of those videos like my beef with Tiffany. And then she comes here and she brings toys for your pets. And she's giving you $10,000 and appearing on a podcast. Jeez.

Oh, my gosh. You were too kind to me. Infinite monetization loop. Oh, my God. That will be on my channel. Make sure to watch it. Yeah. Go to Tiffany's channel.

It's linked down below and you can see that video of Graham spending money. Do you have any idea? I'm very excited for this. Me too. Are you guys going to get in the car and go shopping and stuff? Yeah, we're going to go shopping and stuff. to Gucci? Yes.

You're kidding. Louvitan. You're joking. I don't think we can afford anything at Hermes for like 10,000. Is that expensive? Armez? Yeah. Yeah.

We got to deck you out with like an Aramez belt. Absolutely not. No. Absolutely not. The big age right there. Yeah. Aramez is one of these spots where everything just 10x the price of everything. I thought Louis Vuitton was the most expensive.

No, no, no. Armez is one of these things where you have, you have clothing from Armez that you know is from them because it's so like out there and vibrant. But they only. also have stuff that you would have no it like that shirt could be like airmenz you'd have no idea but it would be like nine hundred dollars but you would have no idea because there's no logo there nothing on it do you know what a burkin bag is uh that i don't know what it is but i remember uh that one guy Alex. Alex Pardow yeah he like buys them but i don't know what they look like or what the logo is

or oh it's just like um it's a bag that's actually an asset because it's just apprais it's in value oh yeah it's like a purse yes yeah yeah yeah yeah Yeah, yeah. They're made by Aramaz, yeah. Oh, I don't know. I didn't know that. Jeez. Yeah.

They're nuts. If you want to spend $25,000 in a bag. Yeah. By the way, I've heard stories that you can't even go in. They're like the high-end Rolexes. You can't go in and be like, I want a Rolex Daytona. They'll laugh at you. They'll laugh.

You can't go in and be like, I want to buy a burkin bag unless you're like a really good customer of theirs. And they're reserved. So what do they say at the door? You like try to walk in there. We don't have any of them. available. You have to start by buying their scarves. They don't even let you buy their normal bags because they have more than just Birken bags, but you slowly have to just build. What do you have? Do you have any? See, I'm so good with my money. I don't have anything. How much does your outfit cost?

Oh man, vintage, $20. If we're not counting my rings, like $50, $60. That's pretty good. What about the rings? Because I see one cardi A, I think. Two cardiades. and one Tiffany's and, um, I'm not going to lie. How much are the nails? I did my nails myself. You did? That's really good. Macy would love that.

Yeah, yeah, yeah. Macy would go nuts over this. I thought that was like $100. Yeah, that looks incredible, actually. Fun fact, I used to want to be a hand model when I was a kid because, really? Yes, but no, my nails I've done it myself. No one's interested, but I'm showing Jack and Graham my nails.

That's incredible. Is that, are those nails real? Yeah, 100% my nails. No. Yeah. No, they're not. They're not. So they're not like, extensions?

No, there's no way. Those are not your actual nails. I'll bet you $100. Those are your actual nails. Yeah, I'll show you a video of my nails before. That's how. Wait, so you don't have any sort of like extension on that. No.

No. I have very healthy nails. Yes. My nails. Hold on. Is it? You can see underneath. What?

Oh my God, it is. Wait, there's nothing. Let me see. There's nothing, because you could see the, you know what I can see the growth.

I actually only started coming to terms with the fact that I used to be really poor, maybe eight months ago. Like, when I went to UCLA, all of my friends parents, I was the only person I knew that didn't have divorced parents. Hmm. Or that did have.

That did have divorced parents. You're right. And I were not to call out my little. I have a little. And if you're familiar with like sorority life or fraternity life, you have like a little bro and a big sister and a big bro and a. That's the person like the year above or below you. Yeah, they're kind of your mentor or your best friend depending on your relationship. So mine is definitely, I'm more of her mentor, but her dad's very, very successful.

Like COO of like a Fortune 500 company successful. And she would tell me her monthly allowance. And I'd be like, how much was it? I don't know if I should say. No one has any idea. No one's going to know who this is. I'm just afraid if she watches it. But you never said her name.

That's very true. Yeah. I mean, she's in my videos. They'll probably know. But she gets, let's say it's like in the thousands. But thousands could be like, there's a difference between 2,000 and 9,000.

I would say like low thousands. Like a couple thousand. Three thousand. That's still, it's a hundred bucks a day. Crazy. That's all $1 a month. So I'm in a message.

Yeah. Yeah. So I'm in a sorority where everyone's... You're still in a sorority? Well, I'm an alumni now. Oh. So I guess you never leave the sorority. Yeah. Although I wanted to leave my senior year because I just thought it was stupid.

Fun fact. I was treasure my sorority and we had monthly dues and I wouldn't make myself pay. You wouldn't make yourself pay. Do you know about this? Because no one would know. So there's fees. So it was $145 a month to be in my sorority. And there's like little fees, like a late fee if you didn't show up to a

on time. There's, have you ever talked to someone that was in a sorority? There's really stupid fees. If you missed dinner, they would charge you $15 for. What about the leader of the sorority?

The president? Yeah. She would still have the pay. She didn't, I mean, she would always be at the media because she's the president. I was VP of finance.

So, um, I was in charge of, I, I put girls through collection. I would, what does that mean? Like,

like actual collection? Actual collection for sorority. That wouldn't show up on a credit report, wouldn't? Oh, it did. You're kidding me. If they didn't pay their dues. I'm not. Alex is laughing over there.

Alex is cracking up. How do you file that with all three credit bureaus? So they got three notices and I had to file it. So you'd lower the girls. No, no, no. But there's no way. Because let's say you get a parking ticket. That doesn't show up on a collections.

If you just never pay it, it grows to some exorbitant amount. That wouldn't show up. up on a collection. It's just you wouldn't be able to register your vehicle after a year. There's no way that would show up on a credit. Because otherwise, what would happen is like, if I want to screw you, Jack, I'd go and file with the collection agencies, get that on the report. You would dispute it.

I'd be like, oh, I don't have it. And then it gets removed. But that puts you through a whole bunch of stuff. Otherwise, everybody would just be like, you know what? I'm going to screw your credit scores. I don't think you understand that sororities are companies. We have like 50,000 members. We have at headquarters.

I mean, we were, our income in my sorority was probably three to $400,000 just for my house. Who collects, where, let's say there's a profit. Who gets the profit? Well, it's a non-profit. But, but, okay, so it just gets paid out to the, to the presidents and COs. If there's money left over, where's you go? We actually had quite a bit of, a lot of sororities and fraternities were broke on, at UCLA's campus. We actually had money and we wouldn't spend our money.

and it would make me really upset because I'm like, I'm putting in these dues, but I'm not getting the reward. So we would spend this money on not parties, but like get-togethers. Kickbacks. Like Adri. No.

We would renovate the house. We had a beautiful home in Homeby Park and Homeby Hills in UCLA. So beautiful home. But no, I would legitimately send these girls to collections. And I would send their paperwork, their Social Security, everything to the headquarters of Kappa Delta, which was the company or sorority I was in.

And then they would do that. But I would give them a three months notice. So one month, 60 days, 90 days. And I absolutely hated it to the point where I would literally be like, I just need you guys to have a meeting with me so we can talk it out and I will literally take everything out. But they would refuse to have meetings with me. It just seems like you're getting like indentured servitude and then like you're also paying into it and then I don't know.

But at the same time, they agree to, like, when you sign up for a sorority, you're given the fees and everything. You're paying them and you're working for them. Oh, me as a VP of finance? Yes, I guess. Was I getting paid anything? No. Which was why I wouldn't make myself pay for stupid fees like missing a party. Or, um, I'd pay the monthly dues.

It was more like the t-shirts that were like $15. I wouldn't even tell my friends that I wouldn't charge them for it. Like I just wouldn't charge people for it sometimes. I'm going to get in so much trouble. But it's great. This is seven years ago. It's fine. But going back to it, yeah.

So a lot of my sorority friends were very well off. And I was so embarrassed that I would never tell them that I didn't have money. I mean, I was always good with my money. So I always had money in a sense, but I didn't have their type of money. Now it's weird. Now I feel like it's almost a badge of honor. to come from money. I agree.

Now it's like, oh yeah, now started from the bottom. Now we're here. True. You know? I think it's Drake that made us feel this way. Yeah. I think so. What was your childhood like?

It definitely, it wasn't, I mean, it wasn't like growing up in the trailer park. I mean, we're not competing in any way. Oh, yeah. My child was worse than that. But it does seem like sometimes there is that like, oh, well, I had it worse. Yeah. But, no, it wasn't. it wasn't terrible.

It's just both my parents were paid to paycheck. So it was just there were a few months where things were just like really tight or I remember like my mom would not have money for the rent some months and would have to like pay over time

just stuff like that. But really supportive parents. That's amazing. Is that what made you who you are today because they were living paycheck to paycheck? I don't know. That was certainly some of it. But I don't know.

I've always just been fascinated by money for some reason because I remember even as a kid when like before I understood the concepts of like not having enough um I was just I would like collect coins and stuff like I found that really interesting it was my grandpa who told me like there's this 1909 S VDB penny that was worth like $2,000. Jeez. When I was a kid I'd look at all the pennies to see if like I could find the 1909 Svdb penny. I've never found it. Like, it's rare. It's almost impossible to find one in circulation. But I was, I enjoyed

that. And just like collecting things. I collected tomagachis. Remember those things? Those things are awesome. Mine would always die. Yeah. And when I was, this would have been like first grade, I think. So this was like 1996. So yeah,

I would have been like six years old. I loved tomogachis. And I'd collect them. And like for birthday, or Christmases or like I would go see my grandparents We go to toys or us I buy Tomogachi And I just collect them So I had a fascination always

For like money and collecting things What was the weirdest thing you collected? Um I guess everyone collected Pokemon cards So that's like that's not weird Tomogachis is probably like the weirdest thing Oh for a while I collected

Bossils I was obsessed as a kid with fossils That's cool I don't have any of them anymore, but like, like, the stuff where, like, you get like a little circle with, like, a leaf print in it. And, like, that was old. I still love those things. Collected fish and coral. That's not, like, that weird.

I mean, you're still collecting fish and coral. Right. For the aquarium. Nothing weird. Oh, uh, I collected toenails. I'm kidding. I'm kidding. I'm kidding.

I'm kidding. I'm kidding. I was like, I don't know if I can believe you. I actually thought you were dead. Because when we were clearing out your place over on West Adams, my dad was sweeping the ground so we could sweep up all the trash. And there was a collection of, I want to say, about 200 toenails. No. I swear.

That wasn't mine. That would have been the talics. Alex, look at Alex. He saw it. I can't see Alex. There were so many toenails. There were so many. Like, and there were like, in a plastic bag or just underneath the ground.

There were cups and stuff like on the ground. So I was wondering if you had a cup like on the chin. not on the chimney, but right on that fireplace, that got knocked over and spilled all your collection of toned else. I swear, and we filmed it too, too gross, but it was too gross, but it was too gross. I don't know if you're joking or not, so you have to, like, you have to swear on both of your parents

that you're telling the truth. I swear on both my parents, I'm telling you. Put your hand to your heart and swear on both of your parents. I swear on both my parents that I am telling the truth. Alex saw it. There was literally a collection of, like, it was like a bundle of toenails. Okay, now, I swear. I'm going to swear. It's not mine.

That must have been the tenants. What do your parents think of all your success? And what did your grandparents think of the whole YouTube journey? My, I feel like both my parents and my grandparents didn't find out about my YouTube journey until I was pretty successful. So then they were just very proud of me. But I will say I had a typical upbringing where my family wanted me to be a doctor or a lawyer. So I actually went that route at UCLA. I was pre-med and then realized I hated all my science classes.

So then I went business economics instead. But yeah, I came home from school, like doing extra homework on top of my homework growing up. Like, think of Tiger Mom, but. Tiger Mom. Oh, no, Tiger Mom. Oh, you've never heard of the term Tiger Mom? No. Imagine helicopter mom.

Oh, yeah, sure. For Asians, and instead of being super controlling, it's controlling about your schoolwork. and your grades. Like I got in trouble if I got a B type parents. Wow. I got praised. If I got a C. Are you serious?

If I got a C, my grades were so bad that if I didn't fail, it was a good thing. Are you kidding me? Yeah. It was throughout middle school, I almost failed so many classes. There were like,

because we get the report cards, it was usually like F, F, D, F. How could you do that? I got A's in music and the English. That's amazing. And then everything else

was like D's and Fs. And so I would get it to the bare minimum by the end of the year and of like a D or like a C minus at the end of the year. And your parents wouldn't care

would they care? They would care but were never like you're grounded or any, I've never gotten grounded. I got in big trouble if I got bad grades. Big trouble.

So I had to get good grades. Yeah. I just was so checked out. I hated it. I couldn't. I don't understand how you could make that decision, though, being 13 years old or whatever. Didn't get the point. Didn't, did not get the point. But I feel like you don't need to get the point at 12 or 13. Like, you kind of just go with the flow. That's just a normal 13 year old mentality. Just didn't like it. Just didn't like it. 12. So yeah, so 12. Sixth grade. Sixth grade. It was 12. Yeah. So I would have just gotten into the whole like aquarium thing. And I was spending all my time online. And I just thought like that's, oh, I think back then. brief. I wanted to be a marine biologist. I was like, I don't need any of this. My sister wanted to be a marine biologist. Yeah. So I wanted to do that. But yeah, I was just getting into the whole like reef aquarium thing. And I'd spend all my time online. I'd finish school. Go online. On Reefcentral.com. Just chatting with people about aquariums. So you weren't bad at school. You just didn't

care enough. Hated it. Yeah. I just hated homework. Didn't see the point. But I went to a really weird elementary school. It was called Smash and Santa Monica. And it was this, it was stand for it. Santa Monica alternative schoolhouse. Oh. And we didn't have grades. And I went there until fifth grade. We had no grades. We had really no like formal education.

Our classes were straight up like, let's sit in a circle and talk about how we feel today. And just like let's talk about like, you know, who's their favorite. That sounds like the anti-gram. What? To sit in a circle and talk about how you feel. You got all that out as a kid. Yeah. But you know what?

But we didn't, we didn't have homework. We didn't have grade. And I don't know what we learned. We, we, we, it was more like a social school where they just talked about like, what, what are you interested in? Oh, we could talk about that in the circle. We'd have the talking stick. And we'd have a talking stick.

And like, now you share something about yourself. And then the kid next to you goes. And I preferred that. So to go from that to a place where it's like, oh, crap, we have like an assignment. I have to sit at a desk. Oh, that was the other thing. At, uh, at smash. We never had desks.

it was a big table and you could sit wherever you want it. I liked that. So was that transition from Smash to normal schooling? Is that why you did so terrible? Probably. I just hated it. But I liked Smash. I liked the aspect of this.

You turn into work and as long as you like applied yourself, you're fine. Do you know how the kids that went to Smash turned out relative to those? Almost everyone turned out. Not successful, but everyone is doing some unique stuff. Yeah. I would say I'd say most of them turned out really well And did they struggle once they assimilated with normal school as well?

Some of them really transitioned well And some of them didn't But yeah, no, we knew some really smart kids From Smash End up going to like Harvard and Yale And like Ivy League schools And other people just pursued their own thing But yeah, I attribute that to

Kind of just thinking outside the box So that's what I like. I don't know if this is a rumor, but did you once say you dropped out of high school and then finish your GED or am I imagining this? Technically, I guess it doesn't matter now. Technically, I never graduated from high school. So I never did a GED. Oh, wow.

But technically, I failed. I think it was, I failed to, it was a Spanish class. And in order to get my diploma, I needed to have finished that class. And I was like one credit short. And I just didn't see the point of taking that class over summer. So when we did the graduation, they handed me a blank piece of paper. But they still let you walk? Yeah.

Let me walk, but they did not give me a diploma. So I guess technically I don't have a high school diploma. Technically. But like I did everything. It's just minus the one Spanish class that I just was like, I didn't want to take it. Wait, when you walked physically on the, through your graduation, they didn't hand you. you anything? No, they handed me a piece of paper. Like, everyone got a diploma. Wow. But mine was not a diploma. It was a piece of paper. I didn't get a diploma either. I got a piece of paper as well. I didn't

get a piece of paper. I mean, I got my diploma like afterwards, but on the actual stage, it wasn't a real diploma. It was just a piece of paper. Oh, as far as I'm aware, everyone got a diploma. Everyone did. I was laid on fees. So I like, after they did all that, I was like in my cap and gown. I had to walk down to the bookstore and pay fees. And they're like, okay. Okay, here's your diploma. You know, not everyone needs school. I graduated six years ago. I still don't have my UCLA diploma.

It's a $40,000 piece of paper that I, what am I going to do with it? It'd be cool to put up on the wall. No. That's the expensive piece of paper. That's true. Yeah. I'd rather have $40,000 on the wall. Yeah.

Imagine, right? That would be so much better. Yeah. Where do you see your career going? Do you see yourself making YouTube videos forever? I don't know. I'm not sure. Part of me feels like, I mean, at least for the next few years, yes.

But I, like, I admire the career of, like, Dave Ramsey. Look up to him a lot. Judge Judy. Love Judge Judy. Dr. Phil. Joe Rogan. I love them. And so, like, if I were to have the perfect career, it would be like Judge Judy.

I think just having, like, a 30-year-long, 40-year-long career, highly respected, no controversies. Everyone loves Judge Judy. I want to be like her. You know that show's fake, right? What, Judge Judy? Yeah. No, it's not. What's fake about it? Those are actors? No. Yes. No, there's no way. I don't want to verse your bubble. There's no way. You didn't just

tell him that. There's no way that's fake. It's fake. No, it's not. I don't believe it. You're telling me like Santa Claus isn't real. I don't believe it. I don't believe. I don't, I really, I don't believe it. I'm going to look this up. I don't think so. My understanding with Judge Judy is that the settlements, they're real cases, the settlements are paid for.

So, like, when somebody owes, like, $1,300. Because they appeared. Because they appeared. Those things are paid. I would believe that she's a real judge. Yeah, she's definitely a real judge.

And I would believe that, uh, the situations were real. I would think that for a, like, a courtroom setting, you can't do that for like a TV series. And so it's like,

these aren't maybe real legal cases, but the real situations that Judge Judy is doing. Like mediation or something? Right. She could technically be like a mediator. It's arbitrator, I think? Yeah, here we go.

That's the next level. So this Morris Law Center says, the case is shown are real cases with participants being persuaded to give up their lawsuit in a real court of law. The courtroom audience members, however, are reported to be all paid actors.

Judge Judy was once a real judge, but now as arbitrator, a very high-paid arbitrator. Okay, so it's basically arbitration. And the courtroom audience members are actors. But the situations are real. And the cases are not legal lawsuits, but they are. That's interesting.

Real situations. So I'm glad I didn't burst your bubble. So it's still how you think of it. Yes, correct. Okay, cool. Just like, by the way, Jerry Springer, apparently there are reported cases of people pretending on Jerry Springer. Just to get on?

Right. But apparently my understanding is they do their due diligence and they get real people on, but they pay all of their expenses. So people are like incentivized to go on there and play it up for the camera. But they are real people. Do you plan on making YouTube videos forever? It's a good question. I'd love to, but not just for the money. How do I explain this?

I would love to keep making videos for the memories more like when I have like my kid or I'm getting married just so that I can look back on these videos in the future. I definitely want to do more vlog type style videos than anything else. But my real main goal in life is to actually start my own business and to become an angel investor. And I just don't know how to break into becoming an investor in other companies just yet. Oh gosh. It's a it's a crap show. Because you're in a couple of. correct? Are you allowed to say which ones?

Four of them, five of them. Yada Bank was the first one. I could say a few of them. Oxygen Bank was another one. Juice was another one that was with Mr. Beast's Company. Okay. Gosh, there's two other ones. Anyway, there's two other ones.

At first, I was like, wow, this is so cool you could go and be an angel investor and then you begin to realize that there's so many of them out there and they'll pitch you every day like once you invest in one of them they're like ah it's like it's like a shark smelling blood and now it's like every day hey we got this company we got this company we got this thing we got this thing and it's and the more I'm realizing like it's a lot of about there and everyone wants you to invest because then they could say ram Stefan invested in this And this is a big wake-up call because I invested in one.

And immediately after investing in this one, they used my name as like, oh, Graham Stephan is an investor in this. And so now I'm like, now I'm like really careful knowing that if I invest in something, they're going to use my name to get more investment just because I put some money in it. So I don't know. I think if you really like the company, sure, but they just, They just want your money at this point. And the valuations sometimes make no sense.

There was one. It was like a stock thing. And they wanted like a hundred, I think it was like a hundred million dollar valuation for something that was, I think they had like 30, 40, 50,000 members on it. But like they weren't making money, but they wanted a hundred million dollars. And people were buying it up.

So is it something that you think would be lucrative for you? Oh, that was one of the company, the carrot credit card. That was one of that, yeah. That's working out for you or not working out? No, no, that was just one of the other companies that I invested. Oh, okay.

Yeah. Carrot is one of these things where, like, I'm skeptical on their ability to make money long term, but their ability to provide value. But they're providing so much value, and I like Eric. Eric is the creator. And I'm like, I'm investing in Eric, because I really believe in him. but I just think for Eric is given too much value.

So that's my only thing is through. Carrot is giving so much to the creators who get the credit card. Oh, if you want the credit card, I'll give, I could get you the credit card. I'm not going to lie. I don't know what Carrot is. You don't have your wallet on you, right? No, it's just right up there. I can grab it.

Alex, do you have your credit card with you? Oh, and you can personalize it? Yes. You could personalize it. And I don't know if I can't promise this is going to happen. But Eric so far has like personally delivered these credit cards. Like, he shows up. And, like, here's the credit card.

I'm like, Eric, you didn't have to do this because he just likes meeting everybody. So, Eric is up. So, yeah. So I will, if you want that credit card, I would get you the credit card. It's worth. Yeah. Okay. Okay.

So anyway, that's a company. What are the benefits of carrot? Let's. Yeah. So they 3% on three categories that you pick. Three or five percent. I've only received three. Okay.

Well, I don't know. But yeah, it is, it is advertised. You get to pick the categories. Yeah. So I picked camera equipment, electronics, and auto, which would be gas. Yeah. I think mine is like 5% cash back. I think mine's 5% cash back dining, 4% cash back electronics, 3% cash back. So I will definitely be getting carrot.

Yeah. Yeah, it's very good. That is crazy. Yeah. And then they had special, because here's the thing, like, I took advantage of this. They had these deals where it's like one day only 5% off every single. everything. And they told me this like 48 hours in advance at the end of the year. So I maxed out the card. There was like, I think they, I think they gave me a $75,000 limit. I spent $75,000 in one day to get

the 5% back. You know, you can just put more money into your card. What do you mean? Like, so I only have one credit card. I need to get another one. But my limit is $12,000. And if I know I'm going to spend more than that, I'll just prepay so that it's like negative of 3,000. So this is different. This you link to your bank account. And every single, like on a set day, it'll pull the money automatically from your account.

So you can't just choose to pay early? No. And plus that wouldn't post on the same day. So even if I were to max it at 75K and then pay it off 75K and then max it out again, I don't think all of that would happen in the same day. I prepaid like property taxes on there. I bought the refrigerator that day. I bought the piano that day.

Everything that I was planning to buy, I purchased that day. I expect once I get a carrot, you need to tell me 48 hours in advance when it's 5% off. They let you know. They'll send you... Oh, they didn't just tell you. They told everyone 40 hours in advance.

Yeah, it was like a Black Friday deal. It was like, hey, for this Black Friday, everything you purchase is going to be 5% off. So it was like, all right, you sure? All right, well... I mean, because like... You're going crazy. Paying for your property taxes is a 3% charge for

credit cards. No, it's, it was like 1% something. Then, oh my gosh. One or two percent. Yeah, it made sense for me to charge on the car to make money back. That's what I said. And I'm like, but you know what? Maybe it's only temporary. Maybe they're not going to do it anymore. Well, after seeing what you did, they're probably not doing it anymore. I'm a good beta tester. I need to talk to you about all of my finance questions. I feel like. Ask. Yeah. Yeah. Well, next question, I guess, would be how much more money should I put in the stocks? Because right now it's scary. I know what I'm, you know what it is? I have diamond hands, but too well, I don't know how to sell stocks. That's good. You don't need to sell. You don't need to sell ever. But didn't you just sell Dosh? We don't talk about that. It was too great of an opportunity. It would have cut in half. I've been telling you to sell. All the money I put in, it would have cut in half if I didn't sell. I mean, I have Dose. I was looking at it when I was at 70 cents. And I was like 70 cents. And I was like it's not going to go to a dollar, but I don't know how to sell it. It's the same thing as buy, but just like the other. That's what I said. I have diamond hands, but with bad companies. I'll, I'll, I'll, stick with bad companies because at that point I'm like well I just don't want to sell it.

So where are you invested now? Do you want to know? Yeah, I do. Is it all in Robin Hood? It is all in Robin Hood? Can you screen record? I can screen record. Oh my God.

I cannot believe I'm showing you guys this. So step one, get it off Robin Hood. I disagree. Why? I like Robin Hood. I download public and Weebel both because of you. You're not even on Weebel. anymore.

Yeah, I am. But you just don't talk about it anymore. Public, I may have invested in public. Another one. Okay, that makes sense. I like public. Public has the advantage of not routing your order flow. So, which Robin Hood does.

So when the whole fallout happened with GameStop, public was very vocal that they don't do that. They don't route your order flow. They don't sell your data to hedge funds. All right, let's check this out. I like, I like, we, though. Weble, in my opinion, has one of the best, most sophisticated interfaces out there for serious traders. Public is better, in my opinion, for a long-term investment that you're going

to buy once and hold for a long time. I'm going to make a really bad, like, connection. I would say Robin Hood is like Apple where the interface is so simple. Weebles is so difficult to learn. You have to learn how to do that. Yeah. All right, so Tesla. Let's see. So you bought average cost. Wow. Congratulations. Average cost of Tesla $195. Yes.

You're going to keep that. Okay. Don't sell that. Is there any reason why you have like the little icon next to the stock as the price of the share rather than total return? I just like knowing what the price is. Shopify. Shopify. Great buy at Shopify.

Fiber. Let's see what you bought Fiverr at. Fantastic. Uh, beyond. This is the only one I think. Beyond, I'm... Yeah, okay. So, Beyond Meat is the only one where I would be...

I mean, if you sold it, I wouldn't be upset over that. Because it just, I felt it was a little hypey. Ultra Beauty. Never heard of this. Also? Um, one of the biggest, like, makeup department stores. Okay. Overstock.

Great. You did well. Zoom. Let's see. What did you buy Zoom at? 306. All right. Well, I keep Zoom.

Spotify. 207. Disney, fantastic. I didn't even need to look at that. Wow. You bought Virgin. $20. Okay, Virgin is like, eh.

Where are you getting all of your stock advice from? Nowhere. You're just doing this on your own? Yeah. See, I just look into companies that I would naturally use myself. So then I purchased their stocks. You did well. There's nothing in here that...

Oh, scroll down. Just scrolled. Some of them are pretty bad. I see Delta. Aurora cannabis. So bad. Lemonade. You bought lemonade?

Yeah, that's a hypey one. Lemonade, I think. I personally have lemonade insurance. That's why I bought it. Snap has done really well. Average trust 23. PayPal. I like it so far.

A lot of these are the free stocks that I got. So if you see a bunch of random stocks at the very end, it's just. I don't see anything in here. Gap. I don't see anything in here that's like, oh, wow, I can't believe you have that.

Yeah, I don't see anything in here that's bad. I like it, actually. I would say you did really well on this. My only advice would be to just start buying you next funds now. Oh, do you want to see my crypto? Yeah. Oh, wow. You have a lot.

I, you know, I bought every single one that was available in Robin Hood because I was like, might as well. Just might as well. six cent average cost on doge coin. Wow. And you had, how much do you have? 20, 30,000.

Ethereum. So should I sell my doge? At this point, at this point, just hold it. Just hold it? Yeah. How much are you spending,

or saving every year on your taxes by living here? Probably $4,500,000. Just to live here. So that's why like everything here is, in my opinion, free. even the car. That would have been

$30,000 of sales tax to pay for the car. That's a small Tesla. Nothing. No sales tax here. There's no sales tax here? Used private car

a party car purchases, no sales tax. What? So it's got to be private party and used. If you buy this from a dealership, they're going to charge you like seven something percent.

Private party, nothing. That's crazy. Yeah. Do you have a really good account? Uh, she's good, but I think my taxes now have gotten to a point where this year I'm probably going to need like a, like a team, probably. Yeah, it's just now things are getting so nuanced that, um, she's been really good up until this point where I feel like, does she up? No, it's just, I, I think I need.

You're not of money. You could be leaving on the table. Yeah. I think I need something a little bit more sophisticated at this point. Okay. It's just everything is so nuanced That even for me I'm trying to research stuff like this

That I have no idea what I'm doing now Now it's now it's in a league that I'm just I don't know how to navigate it I can't believe you're saving or saving $500,000 Right that's what I'm saying But for you too You would be saving

Uh 60 Probably yeah $60,000 maybe even we'll call it 50 $50,000 dollars you can save and real estate is half the price twice the size have you said how much this house cost yet yes uh one i paid one four 40 what yeah and then i put a hundred and fifteen thousand in the backyard with the pool so i'm in at one five 60 one uh and it's worth right now about one seven 50 that's crazy that's impressive right but this in los angeles would be like three

yeah and it's in a gated community which is Nuts. It was a really nice gate. Yeah. Yeah. I wasn't expecting that. No, what's crazy, too, is that it's, it, we're in an HOA, obviously. But we're in, an HOA within another HOA.

So, so this area is an HOA, like, in itself. And then this community is another HOA. How much are your HOA is a month? This one is 220. The other one is 110, I think. So I think it total is like 3.30 a month. Wow. Yeah.

So with that said, you guys, thank you so much for watching. I really appreciate. Thank you so much for coming on. We'll link to all of our information down below in the description, including your channel. Make sure, by the way, to get your free stock worth all the way up to $50 on public because it's pretty much like free money and even better, guess what? When you deposit $100 in the platform, three people are going to get a chance to win a completely free stock of Tesla. Three people.

How many people? Three. Three times the number is before. And surprise, I mean, I can't give out exactly how many people took me up on the last offer, you had a pretty good shot at getting a free stock of Tesla. I think people are under the assumption that, you know, everyone's going to be doing it. I was shocked. I was shocked at the true number of people who did this. So based on the last one, it was better odds than I would expect. That's all I could say. So, and now three people are getting it. So deposit $100 on public. Enjoy. Get your

free stock. Thank you so much for watching. And until next time. Welcome back to this 55th we're going to have to do this again