The Iced Coffee Hour - Giving Financial Advice To A Homeless Person | Jake McCollum

Episode Date: January 20, 2021

Lock in your best rate today and get your family covered with Ladder at https://ladderlife.com/icedcoffee Invest in private real estate at https://fundrise.com/icedcoffee Today we're speaking with Jake McCollum who is living in his car, creating amazing content on youtube, and delivering food for DoorDash, Postmates, and Grubhub - Enjoy! SUBSCRIBE TO JAKE MCCOLLUM: https://www.youtube.com/c/JakeMcCollum/ Add us on Instagram:  https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan https://www.instagram.com/jakeimccollum Send any voice submissions to [e-mail]  (10-15 seconds max) can be about anything- and we will respond in the next podcast! ENDING SOON: Get 4 Free Stocks on Webull when you deposit $100 (WORTH UP TO $1600): https://tinyurl.com/yd9slfax Join the 2x weekly mentorship group: https://tinyurl.com/yaexko4o The Equipment used: https://tinyurl.com/y78py5g2 The YouTube Creator Academy:   Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF  For Podcast Inquiries, please contact [e-mail] *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Every Olympic dream starts somewhere. At first, it's just potential. But over time, with the right support and a few breakthroughs, it becomes something more. Make RBC Training Ground your breakthrough moment. Start your journey to Team Canada today at rbc trainingground.ca. What's up, guys? It's Jake. This is the 34th ever episode of the iced coffee hour.

And so far, we've made 32,766. Beautiful. Thank you, man. Thank you. It's a group effort to come up with that number. Yeah. And Jack does all the editing behind the scenes. Oh, man.

Yeah. Good job on that. It is. We are so excited to have you on the podcast. I've been watching your videos lately. They're really good and super stoked to have you on. Both of us have. In fact, you came up on my YouTube algorithm and immediately I'm like, who are you?

And I was so intrigued by your editing, your video, your video, that you were in LA and I'm like, immediately I sent the video to Jack and I'm like, we gotta have you on. Because you have a really interesting story but you combine that with just really cinematic look and just this ease of storytelling that you're really talented,

but you have such a just intense past. So would you mind telling us a little background on yourself and for anybody who's tuning into you the first time, just some of your background and you're living in a car right now, right? Yep, yep. I've been doing that since March 23rd of 2019. So a long time. And, yeah, DNF student in school. Right. Same here. Welcome to the club.

Yeah, I grew up. You know, I struggled with a lot of mental illnesses, and that kind of led to eventually going into drug use. And so my drug use got me to Florida because I ended up having to go to. to rehab for a couple of times. And so I ended up staying out there for like a year or so. And then randomly one day I was like, I'm not saving enough money. I'm not making enough money. And so I started looking up YouTube videos about living in your car.

And I was fascinated by it, the van lifers, the car lifers. And I was like, I think I could do this, you know? And so one day I just packed up all my stuff, which wasn't much, you know. And I just went for it. and I haven't looked back since pretty much. Why Los Angeles, which is arguably like the most expensive housing anywhere in the United States, it's one of the most expensive cities, with the highest tax rate, how do you decide that like L.A. is where you want to be?

Well, there's only really three places that I wanted to go. Florida, I'd already been, Texas, amazing, tax, no state tax, whatever, in California. But I procrastinated for so many different reasons. But eventually it just got to, I kind of want to try to take my YouTube channel to the next level and just do something sporadic that would maybe get more attention or something. And that's pretty much the whole entire reason why I came over here. So tell us a little bit about the car you're living in. How were you able to make that work? So right before I came to California, I was actually living in Austin, Texas.

I was having some neck issues because I was actually sleeping just in my front seat. I did that for the first year of living in my car. And so I was like, I kind of want to like build something in my car that's more comfortable. And so I got on Facebook and found a group for Austin, Texas, new people. And ended up meeting this guy. And he helped me build a bed in my car. And so the whole entire passenger side of my... car is stripped out and then we built this platform that's a flat surface that I can lay memory

foam on top of in sleep yeah that's really neat now do you tint your windows or how does it how does this work so this is an ongoing thing on my channel uh where um people are always telling me yeah jake tint tint your windows or whatever and it's just kind of like a joke i honestly i don't know why but i don't care really i don't care people watch you when you're sleeping i don't i guess not No, I just, it doesn't bother me. Like, if someone's going to look in my car or whatever, like, cool, dude, that's weird. But, like, do your thing, I guess, you know? But I guess I'm thinking, like, if I were walking down the street and I see someone

sleep, I'd, like, I would not watch them. I wouldn't watch anybody sleeping in the car. Yeah, I mean, neither would I. I mean, definitely people would. But I would be paranoid. I'd think the same thing. I'd be like, I couldn't fall asleep just in case, like, I wake up. Like, my biggest fear is waking up and there's someone like in the window.

Oh, my God. That would be terrible. Is that ever happened? do you? No, no. Okay. No. What about cops? Do cops ever approach you in your car or anything like that? Like if you've been parked anywhere for a while? Just a couple of times, but they've always been like super cool about it, you know? Now, mostly it's just like homeless people knocking on my window asking for money. And that's really it. I really haven't had a lot of issues as far as people, you know. And do you just pick like the nicest places to park since you can choose wherever you want to live? I try to do my best.

Here in L.A., it's been kind of weird because, like, in Texas, I could have one or two spots and be good. Here in California, you kind of got to move around a little bit. And so I do try to find the nice spots, you know, but sometimes there's security at the nice spot. So it's always hit or miss. Now, let's talk briefly about what you do for work. Now, I've seen your channel.

Postmates is one of the, is it one of the main sources of income? for you? Yes, Postmates, Uber Eats, and DoorDash are the primaries. And then I'm just now beginning to make money on YouTube, so. I'm going to tell you right now, pretty soon YouTube is going to pay you a lot of money. I just, I know, how many subscribers do you have right now? I think. 25, 25, 5? No, 24-5, I think. But you

doubled in the past couple of weeks. Yeah. Yeah, like tripled. And you will continue to triple. Now, what about monetization? Do you have monetization turned on? I do. Okay. Yeah. How does that work with an address? Because YouTube has to send you like a pin to verify a physical address. How did you do that? P.O. box? No, so I was actually living in Texas at the time that I monetized my channel. And so I was staying with one of my homeboys. And I got it mailed to his house. And I just, I waited for it. Yeah, you're about to blow up, man. Like, I'm happy we got you on the podcast now. It's going to be difficult to pull you.

I guarantee a year from now, you will be an entirely different spot. Like, you will be in a different position financially. You are going to be in just a different tier. I know your channel is going to blow up. I really feel it. I appreciate it. Yeah. I mean, I don't see it right now.

I'm just having fun. You know, I didn't go into this intending to, like, do money. I just liked picking up the camera and documenting my life, you know, pretty much. But how much, can I ask how much you're making right now from postmates and Uber Eats and delivery, like, in an average day? So I get pretty upset if I don't make more than $100 a day. Okay. Yeah, yeah.

Back in Texas, I could make, you know, like $120, all the way up to $300 a day. But I'm a workaholic. I'll work from 8 a.m. to 9 p.m., pretty much, doing deliveries. recently ever since I got to California though YouTube is kind of it's like a balance now I can do half and half and I'm not having to struggle as much with the deliveries to keep myself afloat you know

yeah so right now what are you doing on deliveries like 70 bucks 60 or it's still $100 a day pretty right in the middle probably 50 200 bucks a day and how many hours does that typically take you that's like a morning shift and a night shift you know those are my two primaries lunch is always whatever.

What is it? Is it the tips are higher during breakfast and lunch? Yeah. What's the most ridiculous thing that you've seen someone order? Where you're just like, I can't believe they're paying $7 to get this like $2 thing delivery. Or do you ever see any of this like absurd orders where you're picking up like some $500 item for somebody and like delivering a deal?

Like what's the craziest thing you've seen? I had to pick up some makeup from Sephora one time. That was fun. Um, uh, condoms a couple of times. Oh, yeah. How do you, how do you order those? Uh, I didn't know. Is there an app for that?

Did they specify, like, what kind they want? Oh, yeah, ultra ribbed. Any, yeah. Oh, whatever. How do they do, how do they do that? Like, through what app? Uh, that may have just been a Texas thing. There was this other company where you could essentially just have whatever you want

delivered to you. That's smart. Why doesn't L.A. do that? Just random items. I want something for Rite Aid. People in L.A. are done with their money. You know for a fact, an app like that would just go wild. Yeah, great idea.

What about, like, just crazy items that you pick up? What's the most expensive one that you've ever delivered? Ooh. So I got a $300 tip one time in Florida near Miami, but that was probably an $800 or $900 catering order. Wow, catering. Yeah. Catering.

Yeah. What were you catering? Uh, there's probably some Italian food or something. I don't, I don't remember. That's nuts. Yeah. Wow. I bet it's going to get to the period where, like, people will order something on one of those

food service apps trying to get you to deliver it to them. I bet that's going to happen. Like, you're going to go on YouTube to the point where people are just going to shoot their shot and, like, try to get you to send them food. Is there any way where people can request you specifically to deliver to them? That's a good question. I don't know for, like, the big companies, like Uber and everything. Yeah.

There should be a way to, like, I want this. same guy to bring my same stuff. I don't want nobody else. Yeah. There should be away. Yeah. Like customer loyalty. That's good.

Yeah. That'd be sick. But then what would that mean for everyone else, though? You got to be quick with your deliveries, and then people know they can rely on you. Imagine a bidding system where, like, you would have a certain, like, bid in place and people could outbid to have you deliver the item. That'd be sick. Wow.

That's neat. Okay. So you do the food services. and you do YouTube, is there any other stream of income that you have? But first, a quick word from our sponsor, Fundrise. In 2021, a truly diversified portfolio needs more than the traditional mix of stocks, bonds, and mutual funds. It needs private real estate. Studies have shown that portfolios with an allocation to private real estate generally delivered

a better risk-adjusted return with more annual income and lower volatility over the past two decades. With Fundrise, this level of powerful diversification is now available to you. Fundrise provides access to diversified portfolios of private real estate to all investors, with their industry-leading easy-to-use platform. Whether you're looking to add stable cash flow via dividends or prefer long-term growth through appreciation, Fundrise makes investing in private real estate as easy as investing in stocks, bonds, or mutual funds.

See for yourself how 130,000 investors have built a better portfolio with real estate. It just takes a few minutes to get started. Go to fundrise.com slash iced coffee today. That's Fundrise, F-U-N-D-R-I-S-E-C-C-Chy. Thanks so much and back to the podcast. Uh, merch. I do merch for the channel.

Okay. I'm about to sell out of that, though. Really? Yeah. Congratulations. Thank you. Yeah. I mean, there weren't big orders.

I started with, like, a quantity of 30. Those sold out pretty quick, a friend's family. And then so I was like, oh, well, I'll get another 50. And it's been several months that I've been working on that stack. And I'm just now finishing up that right now. Wow. Have you ever thought about doing Patreon? A lot of the subs have told me to do.

do it, but I don't know, because I, I don't know, I put a lot of pride into every single video and editing and everything, and I want everyone to see it, you know, I don't want to just put it on something, I guess, restrictive. I don't know if that's the right word to use, but, yeah, I don't think I make enough content for that, you know, because it takes me a while to put out a video. Like this last, the video that will go up tomorrow, I just spent all day yesterday and half of today editing the whole thing. And so, and then I usually give myself a day break and then film again. And so I don't know if I could do that, but I've definitely thought about it. Isn't your time better spent right now filming and editing than it is spent doing like food

services like that? I would say so. So you're making more per hour doing the editing and stuff like that. Right. And I wanted to talk to you all about this because, you know, I recently had a video blow up that's at like half a mill and yeah I might is it okay if I say how much I make oh we love that we were gonna ask that we're a financial channel so of course so I'm at like 3,700 right now a month at least that's what my wow on YouTube 37 3,700 yeah yes yeah a month um but you know before that it was like 300 a month and so I don't know if that actually will continue to be that every month? Maybe. Or, you said a new base. Your new base is at least a thousand. I bet you your new base is at least a thousand. It's like

1,500 at least. So what's your total then per month right now? Because let's, let's call 3,000 YouTube. What's your total right now for food delivery? A month, you said? It's 60 times 30. It was at 1,800. So you're at 4,800 a month. Let's just say right now. That's pretty good. That's insanely good. Now, I'll tell you my thing is that I think, Some of the appeal so far for your videos is your unique situation and story. I think the food delivery provides almost like a backdrop for content for you to film from. The car, I think, is so different that people tune into you because not only is your editing and storytelling really good, but it's also just an interesting topic that people really just want to share.

It's so real. And it's real. And I'm worried, like, to grow that audience, beyond let's say now 100,000, because that's, I think, your next big marker. How can you capture that same audience while still retaining that, like, rawness of the video? Have you thought about that, or are you just taking it like a day at a time? I think the audience would love to see him, like, be successful.

I'm like, you know, or be more successful, you know? I've definitely thought about that a lot. Like, if I do get to a point where I, so to say, made it, I guess, you know, like, where would I go from there? would people still watch me? Because, you know, I'm at a point where, like, I still feel like I'm struggling. And I think people engage with that and can relate to that, you know? So I haven't really thought that through.

Like you said, I'm just taking it a day at a time right now. People will be happy to see you spending money on things that you enjoy and living a little bit more of a lavish lifestyle. I would say I'm 95% certain of that. I know as a viewer, I would be really happy to see that. So let me ask you this, because I'm more. almost thinking like if you were like at what point would you consider renting an apartment right the second it's not even a thought in my mind do you you like living in the car i mean is that your preference

yes i absolutely yeah i like why why is that i can go whenever i don't have to stay it in one place i can go go wherever i can pretty much do do whatever you know i i don't feel trapped you know or enclosed somewhere. You know, and I haven't quite figured out where I would settle down if I ever decided to. Like, where would I get a place, you know? Yeah. What about upgrading to like a sprinter van

or something like that where you got some more space? So the only reason I probably wouldn't do that is because it's big. I don't like driving anything bigger than a truck. Yeah, so about the sprinter van. You wouldn't drive anything beyond a truck.

Right. Now, if I If I ever got a girlfriend or met someone or something, I think it'd probably be a good idea to do that. But hopefully by that point, if it ever happened, I wouldn't have to worry so much about deliveries and I could just do the van life thing, you know? That's what I was thinking for you. I think van life would be ideal.

I think a combination, honestly, what? About van life and side hustles. He's right. He's right. He's right. He's right. This is what he advises to every single guest in there. It's like, it's literally, this is your game.

This is you. Every single episode, you go, so why not Vegas? Why California? And then you go over your Vegas spiel. And then it's like, what about Van Life? He's right. He's right. That's true. I'm not going to say he's wrong. He's very right. That would be great. Yeah. I think Van Life and side hustles. You find just creative ways to make money, living in a van, traveling across the United States, maybe go up to Canada for a little bit, but just find creative ways of making money. Like, you know, Mike Roe with dirty jobs. Imagine if you were to document or try out just weird ways of making money, like go through Louisiana and fish for crawfish or something like that. Or just different things I think would be really interesting. Amazon presents Jeff versus Taco Truck Salsa, whether it's Verde, Roja, or the Orange One. For Jeff, trying any salsa is like playing Russian roulette with a 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. Yeah, I don't know how I feel about it. I say just do whatever you're passionate about. I think that you're good enough at storytelling. You're good enough at all the cinematography and stuff like that. Do whatever you want to do.

And I think the viewers will appreciate that. I feel like if he does like a dirty job, and he'll come up as like disingenuous or something like that. Like go somewhere to clean up poop somewhere or something. Yeah, yeah. So I don't know. You've already been through it, right? Like, do you want to pick up poop and stuff like that?

I don't know. I guess so. Yeah. Wouldn't be a bad idea. I'd make for a good video. Fair enough. I'm going to poop at this famous spot right here, whatever, you know. Fair enough.

So let's talk a little bit more about your living situation. It's really interesting to me to live in a car. Where do you shower? Where do you shave? How do you take care of all that stuff? So usually it's plain and fit. um you know that i have to pay 30 dollars a month so i'm able to use any planet fitness um but obviously i can't do that here in california so i've been using the beach showers but when i first

got here i was using pilots and i was putting a hole in my wallet because i was having to pay $15 every time i would go to pilot um like truck stop bathrooms um super nice though like high pressure really hot. You get your own bathroom for like two hours. And yeah, it wasn't free. And shaving and stuff, you do that at the beach too? I actually did that yesterday at a Ralph's. In the bathroom? Yeah, yeah. It was a single-use bathroom, and people kept knocking on the door.

And I was like, I would come out and be like, I'm actually shaving. You said that to them. Yeah. And I would be like, you can go ahead on, you can go in, though, and use the bathroom. I'll just come back in when you're done, and they're like, okay. That'd be funny, like, waiting outside the Ralph's, like, bathroom with, like, shaving cream all over your face

and, like, a razor, yeah. Do they not, the employees not say anything, or they just, as long as you're not causing any trouble, then? Yeah, no, that never, you know. Every time I go into a Ralph, though, I've got to ask for the bathroom code, but they're actually,

they're usually, like, super cool about it, you know? Do you use the same Ralphs, or do you do different Ralphs? Different, different Ralphs. Okay. Wow. Kind of just depends where I'm working at the moment, you know.

Would you feel comfortable then talking about your financials, like where some of your money is going, and if you are investing or what your plan is or how you plan to... Yeah. So I've actually been listening to you for like three years. No way. Are you serious? Yeah, for sure. No way.

I got YouTube read just so I could hear you while I'm driving around in the background. Yeah. I had no idea. Yep. I'm blown away. Thank you, man. Yeah. No problem.

You've heard everything I have to say. Jeez. Yeah, I came here with the intention of you wanting to, what's the word? I don't want to say beat my... React. Critique. Critique. Critique me, because I have no stocks, like, nothing like that.

But, oh, yeah, that's what I was going to say. I drink Starbucks every morning. Why? It's under $5. Okay? It's only $2.50 to $3. Why? Because I just get the pike with whole milk and that's it.

Hold on a second. What about McDonald's or like 7-Eleven? They have coffee for like a dollar. What's up with that? Points. The Starbucks points. And then also people have been sending me Starbucks gift cards, which I guess McDonald's has gift cards too.

They do. Starbucks is good if you have a gift card. I don't think the rewards make it cheaper than McDonald's. The only thing I think with Starbucks is that what is it? If you buy an espresso drink, someone was telling me this, like some crazy life hack, you buy an espresso drink, you can get a free refill on that, or like you can get a free refill on like a certain thing. I forget what it was.

Someone will comment this in the description, but it actually worked out to be a pretty good deal if you get the certain drink. But McDonald's has that, but better. My friend, I don't know if they still have this or the exact numbers, but back in high school, my friend would have a McDonald's coffee cup, and he would drink from it and read it. and refill it and then clean it and like bring it home, clean it everything,

and then bring it back to McDonald's and get a refill for like 10 cents or something ridiculous. They don't reuse cups anymore because they've everything going on, but they will give you a new one. If you bring in the cup or if you just... Yeah. Okay. Yeah, you show them the cup, but they can't reuse the same

cup for sanitary reasons, so they'll just give you a new cup. So $2.50 a day. Why do that, though? Is it just your thing every morning? It's just like someone to look forward to? The way I look at it. it is I'm paying for the convenience, I guess. It's easy just to put in the order on your phone and then go pick it up and then get right

back, get right to work, you know? So, yeah, not the end of the world. But what about 7-Eleven or McDonald's? Would you go back to that if you didn't have the cards? 7-Eleven is one of the best deals. Yes. Coffee, like on the go, if I have no other source of coffee, 7-Eleven is actually my go-to choice in the big thing.

Circle K-2. Yeah, and they all of all the creams and you can just get free. Yeah, it's awesome. So what I usually do is 7-Eleven is get the big thing of coffee like this for like 70 cents. You can take a whole bunch of creams and then you could usually just get a free cup of ice.

Take the coffee, let it cool down a little bit, pour it over the iced iced coffee 70 cents. Good deal. Good deal. Great coffee. You'd love it. I'll have to look into that. Definitely something to research right there.

Yeah, yeah, definitely. So why have you not gotten your four free stocks from Weebel? Also, what's up with you not investing? Because I'm sure that you seem pretty frugal. I mean, you do live in your car. car, right? So, like, you're pretty wise with your spending. At least it's not like out of control. What are you doing with your money? Is it all just sitting in a chase? I'm hoping it's a high-yield savings account. I'm hoping. So I do have a savings account with a credit union. And then

I have a checking account, which is where most of my money is right now. And yeah, I have dabbled with Weble and Robin Hood. But I would always have to take the money. money back out to pay bills. So I've played with it, but I haven't gotten serious about it yet. What kind of bills do you have? I have all my bills on my phone. Can I? Can I see it? All right. Let's let me look. Can you screen record this? Yeah, absolutely. Cool. This is all my bills. All right. So we got one month, car, 300 a month. What is the 300 a month? Is that a loan? Yes. What's your loan balance? Uh, two grand. Not that much. How much did you buy the car for? When did you buy it. 13,7.

13,700? When did you buy it? Like, four years ago. You bought it used? Yes. It's not bad. How many miles to have on it? Well, a lot. Like, over, I think, 230, maybe. Wow. And you, oh my gosh. Wow. It's an Acura, though. It's a Honda. Jeez, yeah, they're going to last forever. I mean, you get that car for like 500,000 miles on it.

As long as you take care of it. Nuts. All right. Do you know your interest rate on that loan? 12? Oh. Wait, I have it, actually. It better not be 12.

I took a screenshot. I bet it would be 12. Yep, 12%. Oh, no. That's terrible. My first piece of advice is take nearly all the YouTube income and just pay down that loan. Because 12% interest, that's going to be higher than you would make in the stock market or investing in anything. So you want to pay out that car loan as fast.

as possible. That's right there as your priority right now. Better paying that off than investing it. That's smarter financially. So in this $3,800 month, I would probably take a thousand of that, let's say, and knock out half of that car loan. And then the next month, take another thousand, knock it off

entirely. Be done with that car loan. Okay. Then you're going to free up 300 bucks a month. Okay, sounds good, but also, we should probably talk about my credit or in all of that. Yeah. Or how much which I owe in debt,

which is kind of a big deal that I'm having to deal with right now. Okay, that's what happened, yeah. So I had, like, I had really good credit at one point, and I had, like, four credit cards or something, you know, Journey, Capital One, Chase, you name it, whatever.

And around that time is when I started using drugs, and I ended up having to use, well, I chose to use those credit cards for, like, hotels, motels, and I racked up like 10 grand. Okay. What percent is it at? It's got to be like 20%.

There's no way. The credit card is under 20 percent, right? I have no idea. Okay. Do you know your credit score now? Have you paid them on time? Oh, no. They're in collections.

Okay. So for those not aware, usually that means when you're more than 180 days late, they get sold off to a third-party collections agency. Now, how recent was that? Years ago. How many years? Do you know?

Two, maybe three years ago? That's not bad. Yeah, so you're at a 624. I mean, it's bad. That's better than I thought it would be. Better than I thought it would be. Yeah. I thought he was going to be in the 500s.

So let's talk about the credit really quick. Because let's say this was two years ago. The one option that some people take is that I'm just going to let this go seven years. I'm not going to care about my credit. I don't need to take out a loan. So I'm just going to wait the seven years and eventually it's going to fall off my credit report.

So you have that option there. The other option, if you think within the next five years, four years, you might want to get another loan where you might want to get a mortgage or something or rent an apartment, anything where they will require you to run your credit, you have the option to take some of your money and then negotiate with the accounts and collections.

And you could say, I owe 10 grand. But I'll pay you right now. I got three grand. Will you take $3,000 and in turn remove this from my credit report? Usually those debt collection agencies will buy like $100 worth of debt for like a dollar. And then they just go after you, calling you incessantly, and whatever they make above a dollar is their profit. But they charge off so, so.

many of these loans, and for them, if they collect one out of every 10, they're making money. So you could go in knowing that for 10,000 of debt, they probably paid, I don't know, like 600 bucks, 500 bucks for that. So anything more than that's their profit, usually. So you can negotiate with them. And you could try, and if you can't come to an agreement, so be it. But I would probably, depending on how YouTube does, if YouTube really takes off and you're like consistently making, you know, three, four, five grand a month,

I would take a chunk of that and try to negotiate with them to remove that from your credit history. I see. And you always get it in writing too. Really important to get that in writing. Okay. Would you suggest paying that off over time?

Because in my head, I was like, I'm just going to keep hustling or whatever and try and save up 10 grand and then just pay it off all at once. If they're in collections, they bought that for way less than 10. You don't need to pay them 10. You could probably, and I'm just throwing

You could probably pay them like three. Maybe less. Start with less. Say you have two. Say you have two grand. Will you take two to erase this? And they'll be like, no, we can't. We need all 10.

Okay, I might be able to get like 22, 23. Negotiate with them. Have them come back. Have them come back in writing and say, for $3,000, we will get rid of all of this debt. We will take this in consideration of all the debt that you have and we'll remove this from your report in collections. Okay.

But get that in writing. So it's up to you. I mean, the other alternative. like I said, is waiting five years, and it will go off your credit report. Wow, five years. Yeah. Okay.

I think if YouTube does well, it's worth it. Let that be in the past, pay it off. Not entirely negotiate with that, but let that be in the past and improve your credit. Okay. Yeah. That sounds good. But yeah, if it were something current,

I would say you could do a balanced transfer to a zero percent interest credit card, but in collections, unfortunately, can't do that. Okay. But besides, The accountant collection, nothing else on credit cards. You pay that off in full? No, I don't think so.

Okay, good. Okay. Just make sure it's... Turn on auto pay on your credit cards, so it will automatically, when the bill is due, just take it from your checking account. Okay. Well, I'd have to do that in the future, right? Because, like, right now, my apps don't even, like,

register because all of the debt is in collections. Yeah, so this would be... So, not for the collections account, but for any new debt that you have on the credit cards. card or on a future credit card. Just anything else. Do you pay with credit cards right now? No, it's all checking.

Yeah. Okay. Okay. So you'll probably, I would recommend at this point, you could probably sign up for a Discover it secured card. It's one of my favorite cards. I think for your credit score, your situation, what you would do, get a Discover It Secured card.

Just go and apply for it. You'll put down a $300 deposit. They'll give you back a $300 credit line. all you need to do on that credit card is just put your Starbucks on the card every day and then pay it off every week. Just whatever the balance is, pay it off in full. But just put the Starbucks on the credit card and do that for five, six months. Okay.

That's going to dramatically help your credit score. Discover it's secure. I'd say right after this, go and apply for it, $300 deposit. And I'll say two years from now, you look back and you'll be so happy you did that. Awesome. I'll do it. I'll really set you up. Yeah, of course.

And what are your other monthly expenses? I saw car insurance. But first, a quick word from our sponsor, Ladder Life Insurance. I remember when I bought a weekly call option on Tesla and made like $400 in two days. It was absolutely amazing. That experience reminded me of how beautiful life really is and that it should be protected. On that note, it makes sense why people get life insurance, especially long-term coverage, which is surprisingly affordable.

Why not pay a little bit each month to protect the ones that you love? If you're asking yourself this question, choose ladder. Ladder makes it impressively fast and easy to get covered. You just need a few minutes, a phone or a laptop to a place. Latter's smart algorithms work in real time, so you'll find out instantly if you're approved. There are no hidden fees and you can cancel any time. And since life insurance costs more as you age, now's the best time to cross it off your list. So check out Ladder today to see if you're instantly approved.

Go to ladderlife.com slash iced coffee. That's L-A-D-D-R-Life.com slash iced coffee. Thank you so much. And back to the podcast. Yeah, car insurance 180. That's not bad. I would say for the amount of driving you do. How many miles would you say you drive every month?

Ooh, every month? 3,000 miles a month. On full workdays, I can drive 120 miles. Wow. So, I mean, maybe, let's say, 75 times 30 for how much I drive a month, miles-wise. Wow. Okay. So, decent amount.

I'd say good car insurance. Gas, 600. That's exactly what I would expect. Yeah. Oil change, 60. That's not terrible. Phone. One 15.

Who do you have for your phone? Why is that so high? AT&T and I'm making payments on this phone right here. Okay. All right. So that makes sense. And then iTunes 16? Music for when I'm driving around.

YouTube to listen to Graham while I'm taking deliveries. Okay, 15. That's fine. Planet Fitness, 30. Rent is free. Okay. Insurance, like, it's like this weird health insurance I have that, I pay $20 a month and I get back after the whole entire payment is complete.

But I forget how much I pay until it's done. But food 500 maybe? Yeah, but the reason why is it's hard for you to cook food. Like you can't necessarily cook food at home. What do you eat? So if I do eat in the morning, it's like a NutraGame bar or something, protein, something, you know. Every once in a while I like to eat. go to, or I'll go and get a bacon, egg and cheese from either egg, slutter, McDonald's,

or something. And then lunch, I try to keep it healthy and cheap. Like, I'll go to Ralph's and go to, like, the deli section and either, like, get a sandwich or some pasta or something. That's usually under $5 and, like, a banana or something, you know. So I think that's one thing with having, like, a refrigerator and an oven. You could probably get that food bill from $500 to $200. So there's $300 extra that you're paying as a $1,000.

premium for really not having to do your own cooking. Right. But the good thing is, of your $1,8,70 total budget every month, a lot of that's a business expense. The interest on the car, that's a write-off, that's a write-off, gas is a right-off, oil change, write-off, phone, write-off, nearly everything is a right-off for you. So for 1870, you got to think, too, that's expensive for living in your car. 1870 but I think a lot of that too is just gas.

Yeah, a lot. So it's definitely something where it's higher than what I would like to see, but honestly, I think the car payment just pay that you're only two grand away. So that'll bring it down 300 bucks and it'll be at $1,500. $1,500 is a good goal to be at for monthly spending. Try to get it around $15. Okay. And how much do you have in savings right now?

Like $2,500, like $2,000? Okay. So I would say, I mean, I would almost just take the Dave Ramsey approach at this, is save up six months worth of expenses. So $1,500 times six. So what, what? $7,500? Or, no, no, no. $9,000.

$9,000. Is it really? Yeah. $1,500 times six? No, it's not. $1,500. Why can't I math right now? I'm leaving this in.

I'm leaving this in. $9,000? It is $9,000. Why don't I know that? I can't do basic math. So $9,000. I would put and save $9,000 in a high-interest savings account.

Do you know what your credit union is offering? I don't think so. Okay. My recommendation would be Ally Bank. Go get Ally Bank. That would be my recommendation. You'll earn like half a percent in interest. I mean, it's not going to be a lot.

Or, you ought to bank. would you want me to move what's in my savings right now and put that in there or just completely start Oh, you know what? You can't do that because Yada doesn't have the checking feature right now. So I would say for you, given your situation right now, Yada will eventually come out with the checking feature. So I don't want to tell you to put your money in there and then you can't pay bills with it. It's coming soon, guys. But until then, I'd say probably Ally Bank would be a better choice because you would have access to a totally free checking account, totally free savings. again. You can set up everything on automatic bill pay. They'll give you free checks,

free debit card, and that would probably set you up. I'd say fairly well. I'm sure the credit union's good, but you might be able to do a little better with Alley. Okay. Once you get, I would say, past 9,000, once you get collections taken care of, I'd say at that point, you could start investing. But then I'm also thinking, like, in terms of investments, your best investment might just be in getting better equipment. Just like maybe adding a different camera angle or editing software, a faster computer, something like that might get you a much higher ROI than I think a traditional investment. Want to go electric without sacrificing fun?

That's the Volkswagen ID4. All electric and thoughtfully designed to elevate your modern lifestyle. The Volkswagen ID4 is fun to drive with instant acceleration that makes city streets feel like open roads. plus a refined interior with innovative technology always at your fingertips. The all-electric ID4, you deserve more fun. Visit vw.ca to learn more. SUVW, German-engineered for all. I've been thinking about that.

I do need another computer. It takes me forever to make the videos I do, you know. Yeah. Where do you charge your equipment and stuff like that? I have this little cigarette adapter that plugs into my car and then you can just put outlets into it pretty much. But I've been looking into getting like something apart side from the car, just so I am not using the car's battery as often.

But it's weird because I find things on Amazon, but I can't have it sent to my PO box because of battery acid, stuff like that. And then when I go to these like electronic stores, what they have is crap compared to what's online, pretty much to get the best bargain. So I'm trying to figure that out right now as far as charging my stuff goes. Do you ever run out of the car battery? Because I did that once before with, you plugged in the computer and the battery ran out.

Not very, not very often. I always get warranties on my batteries just recently, probably a couple weeks ago. I had to change the battery, but it was cheap. Nice. That's funny. They probably don't think that you're living in your car when they're selling you the battery. No. Probably not.

Until they see the passenger seat, it's not tinted. Geez. Nope. But, um... So I want to know if you were making $5,000 a month pretty consistently with YouTube and all your like income sources, do you think that you would want to live in a house or an apartment? Or would you continue living in your car? I would definitely continue living in my car as of right this second when I'm still enjoying it.

I'm not really sure when I'll ever decide to get a place, you know? So even if given the opportunity to, live elsewhere, you would prefer to live in your car. Right. Why? Why do you think that is? Was there something that happened that you didn't want to feel trapped? Because I do see your point of view of just the freedom of not having stuff and just being

able to pick up and go anywhere you want to. I mean, that's got to be just so liberating that very few people have that. But I also like coming, like having your spot that you come back to every day. Yeah. I mean, that's pretty much me every time I get in my car. It doesn't really matter where I'm at, you know. Have you always been like that? That's a good question.

Yeah, I mean, I'm super, I guess you could say, like introverted, and so there's always some sort of safe spot for me, you know, that I like to go to where I can just breathe and relax. And I guess that used to be a friend's, house or my parents when I used to live with them. But I guess now it's just my car. And it just doesn't really depend where I'm parked. Got it.

Speaking of your parents, do you feel comfortable talking about just your relationship with them? Do they worry about you living in the car? I think at first they did. But they're so used to it now and they see what I'm doing with the channel. And I think it makes a little bit more sense to the now than it did when I first started. So, you know, I'm sure they have, you know, the parent warning, you know, what's it called? Worries.

Worry's. Yeah. But I think they see what I'm trying to do and they're okay with it. What did you think you were going to be doing like 10 years ago? Did you have like a goal or did you want to be like a something out, like a doctor or anything? Yeah, psychiatrist. Really? Yeah.

Or some sort of therapist. Okay. And why didn't you pursue that? College wasn't my thing, I guess. But also, when I enrolled in... You know when cats, just anything that's on a table, they just...

Yeah, what was the need? Like, Rans didn't even need to push it so far. Yeah, he doesn't like anything on the table that's within his vicinity, so he'll just be like, if it's in his bubble, he's got to get rid of it. It's all done. And then he could rest there. Yeah, I mean, as soon as I graduated high school is when my drug use started.

So my first semester in college was spent using drugs. And then I've been in and out of college pretty much ever since then. But I don't know. It was never my thing. I always tried to invent ideas in my own head to make money pretty much. Would you mind talking a little bit more about the drug use and maybe how that's impacted you and your perspective now. How did that get, yeah, how do that get started?

Pretty much, like one of my closest friends in the world had been dealing with it for a long time. And, you know, I was hanging around him a while while he was doing it. And so it eventually became normalized to me as if, like, us or, you know, Californians see marijuana or whatever. like they see it they don't think anything of it i guess that's how um my drug of choice was for for me um and so one night i was just at his place and uh i saw it and was like oh let me let me try it and uh yeah downhill from there like an immediate connection to the drug like did it immediately stimulate

you and make you want more of it or was it just kind of like usage over time like you said you were kind of um you became accustomed to it and it wasn't that big of a deal for you so like maybe you thought, oh, a little here and there won't hurt. And then that over time started making you develop a reliance on it. That's definitely how it started in the beginning. Like a lot of people say, just one hit or whatever. That, I mean, that, that is the case for some people. But for me, it took, it took like a month or so, you know, to be like, I actually like this. But I think I kept pursuing it because I was already dealing with mental illness issues. It helped with my anxiety. It helped with my depression. You know, the dopamine levels that you get off of,

off of it just are through the roof. And so I was like, I feel like a better version of myself, you know, and that's pretty much why I continued to use it for eight years, you know. How did you wean yourself off of that? A lot of, I think the most important thing for me is just friends and family. Good. Their support. always having someone to talk to, having some sort of support group that you can call every single day I'm struggling with this or I'm struggling with that today.

That's probably been the biggest thing for me. Going to rehab three times, definitely help too just by meeting people and learning new methods as to stay sober. Yeah. Now, what happened after the first two times that you were there that didn't quite click as the third time? So the first time,

It was almost kind of against my will. Like I was, my drug dealer was actually the one who told me I needed rehab. Wow. So he got me, it was spur of the moment. He was like just one day, hey, I got you a flight to Miami. You're going to rehab.

And I was like, what? And I just found myself on a plane, got through the 45 days of rehab, and then came back home, flew back home, and immediately relapsed. because I wasn't ready, you know? And so I went through a second time. I actually drove my car across the country after I got back home after relapsed

and because I realized, oh, I just wasted 45 days of my life just to come back home and relapse. And so I gathered all my stuff and went back to the rehab and did another 45 days. and after that I stayed in like halfway houses and really tried to get my crap together in Florida and it got to a point where a couple months go by and I'm like I think I'm cured or whatever and so I go back home no

still wasn't time to go back home and yeah it was a repetitive cycle for like a year or two you know I have a couple questions so you went and you relapsed after you went to the rehab place for the first time, when you relapsed, did that same drug dealer that send you there give you, like, the new drugs for you to relapse? No, I don't think he did.

Yes. Okay, because that confused me. I was like, why would anyone do that? And also, you say, like, cured like this. Do you, it seems like you have something to say about that. I don't think anybody's ever cured. That's my understanding. Right.

Yeah. You can't quite cure it. So what's your take on that? think that if you go through it once, then it's something, it's a constant battle throughout your life, and you don't think that you'll be able to, you know, unattach yourself from that? There's a lot of different ways to think about that, but I would just say it's definitely something that is in the back of my head for, that I feel like it's going to have an, like, an everlasting effect on me. I don't know if that makes sense, but it does. And how has your usage of

that drug changed your perspective now. Do you think that although obviously, I'm sure that that period of time in your life is really difficult and terrible, now do you think that you have like an elevated perspective on life and stuff like that because of, you know, that usage and then maybe the hard times that followed? Do you think that that's changed your perspective now for the good? Absolutely. Yeah, I see people differently. You know, I think it really even changed my, my,

personality a lot. In what way? You know, I was just like a really shy, like, way over insecure type of person before using drugs. And drugs put me in a lot of situations where I couldn't be that way. I completely had to change my perspective on how I acted and everything. And so going through those tough times absolutely has kind of shaped me into the person I am today, you know. Like even being here right now, you know, like this is pretty mind-blowing. I don't know if I would have done something like this if I hadn't have gone through my, my hardships prior, you know.

Probably be at home or something at my parents' house just like in the corner or something depressed. So, hmm, that's interesting. You're definitely going to go far on you. YouTube. I really feel. Guys, sub to his channel. Please, for the love of God, we're putting it, we're putting it in the description. Link down below.

Sub to Jake's channel, all right? Show him some love. Okay. Sub to this channel. Yeah, we have like 66% of you guys aren't subscribed. What's up with that? 66%. It's way too high.

Yeah, 66%. So chances are we're talking to somebody who is yet to subscribe on the channel. Statistics. Please, guys, we're trying to get 100,000. We need to get 100K. I really want to play. I know. Jack wants the plaque. So guys, just even if you're, just, just subscribe.

Thank you guys. Thank you guys. So jack can finally get his silver play button. So much. The first one's 100, right? Yeah, first one 100 for the silver. That would be really cool. Oh yeah. Can I see your YouTube analytics? Can we see it? All right. Cool. Can you, do you mind screen recording it? Yeah. Cool. I do have one more quick question, though, about our last subject. Um, do you think that you cannot help someone who doesn't want to be helped? Or do you think that you can? It's just small chances. Small chances. So it's still possible, you think? Yeah, I think it's still possible. I would, it's still

possible. I would just say that don't ever stop being supportive. If someone's out there struggling and, you know, they, they have no means of stopping, it's still, it's still good for that person to know that there's someone that they can reach out to regardless of what they're going through. It's a good piece of Is it ever good to get like tough love in the sense of like you've got to cut somebody out? Absolutely. At what point do you resort to that? I just recently had someone reach out to me and they were like my son is struggling. I keep giving him money for food and everything and I'm like he's not, he's probably not using that money for food.

You know, and those are always the really tough conversations, but I would just say you can't can't give it you can't continue to give an addict money you know um yeah but you never know what the what the background story is and so it's always so you think it depends on the situation you shouldn't enable but you should support what emotionally or with your time be there i think that makes sense yeah so let's see okay so we're almost at 25 000 subscribers can i do you mind if i see yeah okay let me see i want to see this we got a four out of 10 nice i just want to go to analytics. Wow, look at this.

Getting a little push. Consistent. Wow, that's the algorithm. Very consistent. Oh, man. Look at that. You see those little pushes on an upward trend.

Oh, no, this is it. This is the video that I got pushed. My first week living in Los Angeles, California, working at Uber Eats, Postman's and DoorDash. That was the video. Yep. That was what got pushed for me.

Do you have any questions for us? What can we do for you? Um, am I allowed to talk about, um, anything, Kevin and Grant Cardone, the flower operation? Oh gosh, anything,

anything you want and, uh, whatever I can't talk about, we want to talk about. Okay. That was, uh, that was super fun.

Shout out meet Kevin. Wow. Meet Kevin. What's up, man? How's it going? He, uh,

made one of my Christmases wanted to remember, definitely, because, uh, he, me and like half a dozen or a dozen, people went to do the flower operation.

You were there? I have a video for it that got taken, taken down. You were one of the elves? Yeah. What? Oh wow. No way. Have you talked to Kevin? No. Kevin is the one who got me out of the situation. I can send that to him right now. He got you out of what situation? Uh, Grant subpoenaed me and sued Kevin, and Kevin got me out of the subpoena. Have you been speaking to him recently? Uh, he shouted me out on his channel like a week ago. Wow. Yeah, I love Kevin. Um, what, what doesn't Kevin do anymore?

How is he in everything? Every person we bring on here, they've already had past experiences with Kevin. We're like, how did he get to everything before us, man? Wow. That blows my mind. This is like two years ago, too. This is, wow. How did you meet him?

Kevin just posted something on his social media and, uh, looking for elves in Florida. So what happened with that? So how did Grant get your information to subpoena? How did that happen? I have no idea about that. I received a letter in it. I just took a picture of it and sent it to Kevin, and Kevin pretty much

made it magically go away for me. Yeah. So chances are Kevin has a lawyer who he's paid a big deposit to who's handling anything for him right now. And knowing Kevin, he would gladly pay out of pocket for any attorney just to make

sure everything's okay. Good for him. Wow. Yep. Can't say enough good things about Kevin. Every podcast. He's a magic man. We're talking about Kevin in every single podcast. I don't get it. Jeez.

All right. Wow. Let me see what else. He's a saint. He is. He's surprising me every day. He's not even here. No.

That's pretty much it. Okay. So we naturally covered most of the things you wanted to talk about. Yeah. Yeah. I think I'm most excited just to see your journey. I am really excited. just to see where you're going to be five years from now.

Because I know with your storytelling, with your editing, with your video, you're really talented. And very few people I say that about, especially when it comes to like YouTube video, Iraq was another one where I just, I knew. You just knew. You just knew. And you met him.

It's like, instantly he's going to do it. And he did. And I had, without, no doubts in my mind, he's going to hit a million subscribers by the end. And he did. No doubt in my mind he did. I had no doubt in my mind that, I know you're going to hit 100,000.

I know you're going to do YouTube full-time. I think you could do a million. I don't know when, but I'm fairly confident that would happen. As long as you just consistently make content and vlogs. What's your current posting schedule right now? Twice a week? Yeah.

Okay. Yeah, about twice a week. I'm wondering you get it three times a week if your channels is going to blow up. Are you ever worried about bringing each video up a notch? and making the next one better than the previous one. Oh, I'm constantly thinking about that. I think that's a smart thing to be considering.

Yeah, so you always have that forwards momentum. I also want to know, like, what's your game plan? Do you think about, like, the next five years, the next 10 years? Where would you like to see yourself in the next five years? Because is it living in a car still? Five years from now? I'm not sure. I've actually always wanted to get into investing in real estate.

Two of my closest friends back home are realtors, and they've kind of got their own LLC doing their thing over there. And, yeah, I mean, pretty much my whole entire plan this whole time has been save as much money as possible and put it back into real estate. But other than that, yeah. It's funny, you won't live in real estate, but you will buy it. Yeah. You want nothing to learn. Yeah. You can't even have money.

Yeah, you can't even have it. I mean, you're just taking a house, I can do an extreme. I just not living in a house. I would literally get a house and then just rent it out and continue living in my car. What about a tent, like in the backyard? You rent the house, but you're like, hey, I just want to camp in the backyard. No temperature control. Gotcha.

Wow. That's fantastic. Well, listen, for real estate, your credit is going to be the biggest thing. Credit and income. You'll have the income set. You're saving most of it. I honestly think two years from now, you'll be making over $100,000 a year. I really believe it.

You just keep making YouTube videos, and I think you'll consistently, you'll start getting like 50, 60, 70,000 views per video consistently. You'll make over 100 grand. March for me has always been a very low profit margin business, and it's just a lot of hassle to sell merch. You might want to look into a Patreon, some sort of just alternative community

where people who want to support you can, it doesn't mean you're going to have to hold back content from people, but even if it just means you throw a thank you at the end of the video, or you list their name in the description or something like that for like $10 a month, so many people would want to support you and just see you on the come-up. So I think that would be a good idea. I think I would do a Patreon. Because that would at least bring in another $500 a month.

Okay. I'll look into it and take up some ideas. Consider it. What other income sources Do you think we can think of here? I think the Patreon is the smartest way to go. Yeah, Patreon. Yeah, because it would really like consolidate a lot of your work

to just like filming and editing stuff. Oh, I got it. I'd say when you hit 500,000, you could begin teaching people how to edit. Like an editing course? Like Colin and Samir. They had the art of storytelling.

You could come out with something of just vlogging, the art of vlogging, or the art of cinematography or something like this. Like, imagine if Casey Nysdak came out with a course, oh, he'd make something. He would, I guarantee he'd probably make like $5, $10 million.

Just creating a course on how to vlog. Sell it for $99,000, he would be $10 million. Yeah. So you could look and do, I think education is always going to be such a big place for opportunity. And not only would you be

providing value to other people, but they would be paying you. Realistically, I think right now, if you wanted to just increase your income, I would say just stop doing the DoorDash and stuff like that and instead do a Patreon, because realistically, I'm sure that you can easily make $1,500 a month from Patreon. I think it's very, very, like, reasonable. And also, I think the good part is you wouldn't have to worry about that whole, like, new aspect of your life of going out and delivering food and stuff like that. You just worry about filming, getting content, and that's just on your mind.

You don't have to worry about that stuff. Unless you just deliver it almost as part of a story, as part of a narrative of something like a schedule that you do every day where you just, even if you just deliver mornings or just evenings and you can make something of that. Intertwine that with your story, I think would be really interesting. Right. That's pretty much what I've been doing lately.

It's like just create a story, film, and then at the end of the night run a couple of deliveries or whatever. Yeah. But yeah. So as far as Patreon goes, if you all think that that's a good idea, How exactly does that work? I'm sure a lot of people are actually curious about this as well. Like normal upload schedule for YouTube and then just try and bust out another video for the Patreon.

Behind the scenes. If you're making a full on YouTube video, I'd say just post it on YouTube. Patreon would be behind the scenes stuff, stuff that you don't want to post on YouTube, maybe to ruin the algorithm, but like extra exciting footage that... Yeah, I'm sure you cut out a lot of stuff. Maybe just all the cutout footage that you're not going to use. You put it up on Patreon. Or it could be as simple as you're just...

You're paying $10 a month. You're supporting my channel. And in return, your name is going to be in the description. Yeah, you can do stuff like that. Or at the end of the video, you'll have a credits. Thank you for my Patreon supporters, and you put it. Wow. And in like every few videos, you just add on to it.

Something like that. Okay. Yeah. And what you could even do is do a random shout-out. Like, once a video, randomly shout out the socials of one of your Patreon members. You'll be like, hey, today it came up like, John. What's up, John? here it is thanks so much and something like that i think just people like that

but nobody's really paying ten dollars a month because you're like we need a content they're doing because they want to support you so i think that's the most important thing is that people who want to support you like that have a means to okay do you want to be a youtube creator for the rest of your life like is that where you see yourself um it's something else you know something new from exclusively on paramount plus it's the series Stephen King calls scary as hell. Everything here is impossible, but it's also real. Sci-fi vision calls it the best show streaming right now.

We're running out of time and we still don't know the rules. Don't miss what the movie blog calls something you need to watch. Saving those children is how we all go home. From binge all episodes exclusively on Paramount Plus. Hmm. I'm not sure. Right this second, like, I can see myself doing it for a long. time, but I don't know if I could see myself doing it forever, you know.

Eventually, I would just like to rent out a whole bunch of houses and just chill, I think. But yeah, the main reason why I started the channel in the first place was just to pretty much document my life. I'm just doing it more often now. I'm putting it on YouTube for the world to see. So I don't know. We'll have to see what comes about life pretty much. Right.

And we've also given you plenty of unsolicited advice. Can you give us some advice? And we're easily offended, by the way. So just very easily offended, yeah. I mean, as far as... Anything. I mean, I guess I've never heard Graham talk much about, you know, maybe some of the things that go on in the background or behind the scenes, maybe.

I'm sure people would love to hear about maybe some of the struggles that happen behind the scenes or something. That's different. I've never been offered that piece of advice, but that's a good, that's a good point. I have not. That's good. Do you want to talk about any of that, Graham? Probably not now. Probably not. No, I'm no time. Not right now. Maybe another time. Of course not. Yeah, no, I definitely try to keep just very business focused on the main channel. I've had such a format for all of it, and this is like the most relaxed tend to be for YouTube, but maybe it's some point. So you're saying he should be more vulnerable is basically what you're saying. Yeah, it's better worded. Vulnerable, a little more transparent. I'm worried that, like, where do I post it? On the main channel, I know I'm going to, I know, like, I'm going to get some really great supporters on there,

but I'm going to get a lot of people like, Oh, don't post it on the main channel. I know, but like, but even the second channel? The podcast, man. Podcast. This is where we talk about anything. This is not where we are confined to finance. This is about everything.

Right, right. Confronting Graham Stephan. That's a good one. That's a good piece of advice. I definitely think that that would also be good for branding as well, you know, because people get to know you a little bit more. All right. Graham is just uncomfortable.

He's like, all right, what's next? That's nice. What's good to talk about? No, because there's some stuff. It's just like you don't want to air out your dirty laundry. Like you don't want to be talking about some of the stuff. You know? I think for a lot of people, if you aren't super transparent,

people see that and then they make assumptions. And oftentimes their assumptions are worse. than the actual truth. So that's why I like to try to be pretty transparent with things because the things that I'm scared about people knowing, you know, what they could be thinking could be 10 times worse, you know? My favorite quote from you is, I don't really talk to girls.

That's true. Graham likes that quote. We were thinking about making merch where it just says, I don't really talk to girls on it or something like that. I could see like Jack Manley wearing that shirt. Yeah. You would do so well with that. Imagine.

Jack Manley goes to like Bourbon Street with like, I don't really talk to girls. That would be cool. What's the story behind that? Jack, I don't even remember this on. I think I try to block it from my memory. Oh, the quote that I don't really talk to girls. I don't know. I don't even know who the guest was.

I don't remember the guest. I just, oh, Kong. Was it Kong? Was it Kong? I don't know. I don't know. I don't know who it was. We had someone on the podcast.

Jack was going through his online profile. And if someone will find it and point it down in the description. No, a lot of guys, they don't like when girls are being presumptuous when they try to be nice. Even if they're flirting, yeah. Have you experienced that? I haven't. But maybe I'm just weird. I don't really talk to girls.

I don't know. People are just in the comments. I remember them liking that comment. That was a wild episode. Sometimes these episodes get a little out of hand. Yeah, I think the top comment was, I don't really talk to girls. and then the response that was, like, this hits home or something. Our viewers relate.

This hits too close to home. We're like something like that. We appreciate the advice. I think we'll look into that a little bit. Perfect. Yeah, I will. Next episode, guys. If you want to see the next, just subscribe.

Yeah. I'll be more vulnerable than next one. Well, thank you so much, man. Really appreciate it. Kevin texted me back. He says, love this guy. Elf attack will go down. and infamy. Huge thank you to Jake.

Enjoy the podcast. Wow. So that's Kevin. Stand a guy. Two of my favorite YouTubers. Three with Jack. This is crazy. Oh, man.

We really appreciate it. It's been amazing. It was awesome meeting you. We wish you the best of luck. Please subscribe to Jake, everyone. And yeah. Oh, make sure to get your four free stocks down below the description. You can also sign up for Yada Bank.

You'll get 100 entries into the next drawing where you could earn up to $10 million. You may as well just do it. Because it's free. It doesn't cost you anything. Weebel's $100, but you can get four free stocks. And with that said, guys, yeah. Until next time. 66% hit that subscribe button.

And like button. Until next time. Go on. What's up? I'm Jake. And this is the 34th ever. 34th ever episode of the iced coffee hour. So far, the podcast is made.

32,000. The only things you need is, what's up? I'm Jake. 34th ever. the ever and then 32,000. What's up, guys, it's Jake, and this is the 34th episode of the hour coffee ever, ever. The iced coffee hour. Iceed coffee hour.

What's up, guys, it's Jake, and this is the 34th ever episode of the hour. Iceed coffee hour. Ice coffee hour. Ice coffee hour, okay. What's up, guys, it's Jake. And this is the 34th ever. Ever.