The Matan Show - Matan Tries Stealing Graham Stephan's Credit Card Information

Episode Date: September 7, 2025

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tables, or join a live dealer game to feel the thrill of real-time action, all from the comfort of your own devices. Why settle for less when you can go for the gold at Golden Nugget Online Casino. Gambling problem call connects Ontario 1866531-260. 19 and over, physically present in Ontario. Eligibility restrictions apply. See Golden Nuggett Casino.com for details. Please play responsibly. Hello, everybody. Welcome back to the podcast for today's guest. We have Graham Stephen. Welcome in. And he brought his friend. No, you sit over here next to my body. Welcome in today's co-host, Mike. Hold on a second. Welcome in my co-host, Mike. He decided to bring his body, but unfortunately I didn't know that, so I don't have a chair for him. You can sit on the floor. Thanks, Jack. He just decided to bring his friend because he was a little bit nervous because my questions are so good.

So in case anybody doesn't know you, please introduce yourself. Oh, what's up, guys? Graham Stephan, got a YouTube channel. We talk personal finance, real estate, and we have a podcast, the ice coffee hour, where I guess we're on the other side of things. We'd like to have you on the ice coffee hour. Well, yeah, I'm going to do it right after this. But in case they don't know what that is, besides the finance,

tell them a little bit about you, not your show. About me. Man, so I started working as a real estate agent in 2008. I was doing sales. A lot of money stuff. I was always into money. Why do you need all this money? Are you Jewish or something?

Half Jewish, technically. Oh, really? Yeah, my mom is Jewish. I'm going to look at you instead of the camera. It's weird to look at the camera. Yeah, my mom is Jewish, which makes me Jewish. That makes you Jewish? Technically.

Well, I mean, are you scared that you're going to hell? No. Are you, like, religiously Jewish? Do you celebrate that stuff? No. How do you really go about it? Now, growing up my grandparents, so her parents would celebrate Hanukkah. And so, like, I did the Hanukkah stuff with them.

And then I would go home and we'd celebrate Christmas. So I got a bit of both. And what about you? I guess you're just sitting here. How about you? I'm Jewish, oh, you're also Jewish? I wasn't asking if you're Jewish. I was just asking how you're doing, I guess.

He's doing Jewish. You're doing a little scared? A little bit scared? Yeah. Now, do you want to introduce yourself? I'm sure the mic will pick up on you. Do you want to, Jack? Me?

Oh, yeah. My name is Jack. I host the show. with Graham and yeah I really like this the situation here you enjoy where your seating arrangement yeah I guess I'm a little scared still I mean I'm not gonna hit you or anything no no we just it's just we came in through the door and immediately as we came in through the door there was like 30 locks you had to unlock and then this guy I was just opening the door for you that made you a little bit scared just the the amount of locks I would say was a little frightening and then as well as this guy

hasn't stopped doing this for the past like 20 minutes. The intensity of you opening the door. Oh, I wasn't trying to be intense or anything. I just needed to get all the locks off and then put them in the draw. That's good. Okay. Yeah, we knocked on the wrong house, by the way. Oh, what did they say?

Thankfully nothing. They recognize you. I heard it's a shoot to kill state. It might be. That's why, as soon as we realize it's the wrong house, we just bolted out of there. Well, I don't know. With you, they might have shot to kill. Possibly.

Hopefully they just aim a jack. Because I would accuse you of being on Coke But you look like you just rose from the dead Cool You want me to continue with the question Yeah, yeah, please Okay The doctor tells me to take my medicine

But my friend Johnny Who's eight different colors Says not to Who should I listen to? I would ask chat GPT Oh, I'm not a big fan of that stuff Why not? AI and stuff you wanted to take over

Yeah, a little bit How would that benefit humans Gosh, think of all the time it saves Yeah, but then nobody will have a job or anything to do They'd have better things to do Such as Higher creative tasks I think it's an uncreative bomb like him

He might be screwed But I think just the global population I think we have so much room to grow with AI I don't know I think it will cause a disaster What's going to happen to people like him Their jobs are going to get replaced Your friend's going to be sitting on the floor all day

Jack's going to be replaced, but hopefully he finds something else to do. Right? Yeah, but don't you think... Jack is going to be just fine. He could live with his parents. Is it possible that 9-11 was an accident? How would it be an accident? You know, the planes just accidentally flew into the building.

There was like a bad management pilot, like the pilot signal went down. Do you know something that we don't know? I'm asking you, because then it makes sense. Bin Laden took the blame because he felt bad. what did he feel bad about that the plane seat the buildings and Americans died why wouldn't he just say that if that's the case because then there's no

there's no villain to go after why would he want to be the villain though I don't know because he felt bad he thought that would make Americans happier and he did help them a little bit because then they wanted to get somebody they didn't just mourn so he took the fall so he would be the scapegoat because he felt bad maybe he's a good guy under it all

maybe he's a good guy under it all maybe I don't know I mean I'm not sure I was I was 11 years old I wasn't born I was I was

six years away from that That's right So you might know more than me Did you know bin Laden No not I haven't Who made you the voice of finance All of a sudden

I think the YouTube algorithm did And why Do you think you're Smart enough to do that stuff To be I'll be honest I mean it's like I don't think you have to be smart To be into personal finance

You just need to get all your answers from child GPT. Exactly. Then really the basic, look, the basics of personal finance are so simple. It's just like spend less than you make, invest consistently. Yeah. Diverse index funds with low fees. It's very basic stuff.

So, like, you don't have to be small. Very basic. Make more money than you spend. Exactly. Yeah, that's a, try telling that to a homeless bomb and see what he says. What do you think he'll say? I actually don't think you'll say anything. I think you'll feel something.

though. It depends on the reasons that they're on the street. Is it mental illness? Is it drugs? The friend Johnny told them not to take the medicine. Johnny's a different colors. And he just listened to the wrong. He should have used Chad GPT.

No, because Chad GPT, well, maybe he was against it. It's a homeless bomb with a moral code. And you think that took this person's job? No, I think he just didn't want, well, I don't think Chad GPT would have saved his job. What if he never had one in the first place? You have a job at some point.

Why is that? We cannot have the guy's homeless. You don't think the person's never had a job in their life? I think most homeless people have, but not this guy. Not, oh, we're talking to a specific person. Yeah, my buddy. Your buddy. Yeah, I know a guy.

I'm referencing him. That's why I know so much about him. That's cool. Okay. Nice. Jay Z once said, I'm not a businessman. I'm a businessman.

Is he retarded? I'm, wait, what is he? I'm not a businessman, but I'm a businessman. No, I'm not a businessman. I'm a businessman. Is he retarded? I'm not a business man. I, I don't understand it either. Are you sure that's the lyric?

That's the lyric. He said it in his song. Why would he say that? You should ask him. Well, I'm asking you because you're a businessman. I'm not a businessman. I'm a businessman. Yeah, I get it. Yeah, the sentence, well, the sentence, oh, I get it now.

I'm not a business, comma, man. I'm not a business. I'm a business man. So that's what he's saying. No, I get it. I get it now. I don't get it. It depends on the, it depends where the comma is.

So I'm not a business, man. We'll end it there, meaning he is not the business. I am not a business. But he's saying he's not a business man. He's a business man. That doesn't make any sense. I'm not a business man. I'm a business man.

I guess he could have, but I don't think that he, I don't know. I would have guessed that he was just an idiot. That's what you would guess, but you would be incorrect. Hey, guys, sorry for the interruption. I have to let you know that today's episode is sponsored by my Patreon. Look how cool this set is. This is a very different set and it's the one I shoot my Patreon in. Look what happens.

I'm making so much money over there that there's such a high quality. I pick up this phone to brand new call Simon is going to appear. Wow. Hello Simon. How are you? He doesn't respond because he's not real. But this is such a cool show and then you'll receive episodes of this show every week. I'm begging you to subscribe because I'm in serious need for money. What's better for carrying my belongings? A bag, a suitcase, or that slave I bought in Asia?

Probably the suitcase And why is that I have to roll around Yeah but I'm thinking the cubic square foot of storage It's probably the highest in the suitcase So in terms of packing Not if they're holding a bunch of shit

In terms of packing belongings No I think the suitcase would probably be It might have more total space But it's a much That's not the only factor here I would probably still argue the suitcase. Shield the suitcase?

Yeah, overall, I think the suitcase. And you could get pretty big suitcases. Could you very humbly contribute five, ten, or even twenty five dollars to the Trump campaign to have fight against crooked Joe Biden? 25 bucks? Yeah, sure. I'm asking you for money. You're asking, I don't, I don't have. Can you check your pockets?

Dude, this is all I have. Can you check yours? Yeah, look, this is, this is my entire pocket is phone, one credit card. Yeah, there you go. there's no money in there shouldn't be why don't why don't you keep cash on you uh i just don't need it i guess nice i don't know which one of those is he's i forgot oh there you got jack has the hot dogs the hot dogs that's jack so you're a big trump guy then i i i really i stay dude i stay on politics like i really politics that's what a pussy says i'm so indifferent to

it take a stance right now i don't think there's anything to stand by here's the thing in all honesty i see things from both perspectives that i like well the election is coming up listen there there are things with Trump when it comes to business fiscal policy i'm in favor of there's things with him i'm not in favor of but for me like my whole approach is just you have to take personal accountability with things you have direct he takes personal accountability for the average person and myself included a lot of his things i have zero control over it i can't change these things i have to just deal with what's in in front of us and you'd rather have i crooked joe biden dealing with that for you instead dude joe did like in terms of myself like they made no

impact on me. Same with Trump before him. Okay, well let me ask you. If anything, if anything, I paid higher taxes when Trump was in office, uh, 2018, 19, 20, 19, 20, I don't, I don't think him in office affected my career as a real state agent. I didn't pay taxes when he was in office. Yeah, because you were, you were like seven or eight years old. No, right.

You're, you're 10 years old. No, I, that's not why. I was still making money back then. I just didn't pay it. And you got away with it. Well, because he's a good friend. They didn't need it. That's nice. Well, anyways, the election is coming up.

It's Trump versus Biden, the 2024 one. 2024 one. Yeah, sure. So who do you want people to vote for? Ah, fuck. Between Biden and Trump, it's got to be Trump. Oh. I mean, we got, but we got to be honest. Biden is just not fit for office.

I mean, when you look at him, it's just he's not running. I hope they don't end up making that woman that works with him to pick instead. All right, Harris. Actually, I hope they do because she'll lose by a land. slide that bitch will you make more money trying to make money or by robbing fellas like you know who wait what and I'm lost you want me to repeat it yes please will you make more money trying to make money or by robbing fellas like you know who I think you make more money by making more money right by trying to make more money

maybe if the guy's robbing somebody like you with no cash on him but what if you rob somebody who just won in Vegas or they just won a whatever you call it, the lottery, the slow machine. Oh, dude, security is so high in Vegas. Like anywhere you go. But not in the casino. You follow them to their house or their Airbnb thing

like this. I guess theoretical, the risk is too, like I don't know, I look at that and I just think it's a bad business. The risk is too high for what you're likely to get. You're better off just doing it legitimately. Right?

I don't know. I don't really agree. If I was tough right, would do the second option. If you were taller, bigger, more muscular, agile, run fat, you would just rob people. I think I'm just like an average guy. I don't really think I could do any sort of excellent getting at people. Are you nodding your head with him? Are you have some syndrome? No, I have an agreeance.

Agreence of what I said? Yeah. What did I say that you were in agreement with? You know, maybe if you were like, you know, a little bigger or stronger, like more agile that you'd have a little bit more success, like robbing people? That, I guess, would be true. That's, yeah. How would you do it?

How would I rob them? Yeah. I guess actually I don't even need to be bigger. I would just need a weapon. Yeah, so what's stopping you from? I don't know. I just thought it's too big of a risk, opposed to what you said. It is.

Yeah. It's not worth the squeeze, you know. I have a new game-changing idea to improve your business. Do you want to hear it? Sure. You put a painful buzzer in the ear of your workers. So when they misbehave, you trigger it and they go, ow, ow, my ear, my ear. You think that would work long term or you think it would just lead the short bouts of productivity and then it would...

Well, what's going to happen? They're going to keep getting buzzed. They're going to start working. Do you think it's better to reward people who are doing good work and then... But they're not working, they're misbehaving. They're misbehaving. guess so it's probably a great it's probably a great idea have you tried that before I don't have workers like that I mean I have this guy but putting a

painful buzzer in his ear might finally wake him up and he'll leave yeah it's a risk with him it's a risk that's why I don't do it with that guy he's a solid worker so it's not necessary why does he cover his face because he's a Muslim but there's like no skin showing at all like not even like well he's just He doesn't want to be recognized and want to be famous. Okay. And I told him to put it on. I respect that.

Do you relate to Squid Wars from Spongeball? You know what's so funny is that as a kid, I used to love SpongeBob? No, Spongeball. Spongeball? Yeah. You just spin off one? Spongeball? No.

I don't think I've seen that one. I relate to Squidward. Squid, what was it? the name I read. Squid Wars. Squid Wars. Yeah. I don't know.

I'm just going to say, yeah, sure. I relate to him. Hey, guys, sorry for the interruption. I have to let you know that today's episode is sponsored. Wendy's most important deal of the day has a fresh lineup. Pick any two breakfast items for $4. New four-piece French toast sticks, bacon or sausage wrap, biscuit or English muffin sandwiches, small hot coffee, and more.

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investing in what, like stocks? No, no, I'm talking like an AI robo-advisor. So instead of going and hiring a consultant and paying them like a few hundred bucks an hour or having them take like a fee, like a 1% fee a year, you're able to use these AIs that are able to just give you a broad portfolio for free. I guess maybe if it was for something

that was like asking an AI about like a house price and making money if you were to buy and sell it, maybe, but if you were asking an AI like that for like, I don't know, any sort of like human advice, I feel like you'd have to be insane to really want to talk to it. No, believe it or not, the AI, for me,

has been better than talking to a person. So I'll give you, I'll give you an example. There was a tax-free muni bond that I wanted to invest some money into. And I gave it to ChatGBT. And I said, what do you think of this fund? And it said, this fund has high fees with a front load expense.

I also asked Chad GPT, like normal questions, like whatever it said in my homework when I used to go to school, but not like stuff that's like personal. Yeah, I cracked, it cracked my thumb. No, but no, it was honestly, it was spot on. It gave me better fund recommendations than I was able to find on my own. I also used it to find coupon codes. So I was doing an order recently for some aquarium supplies,

and I asked ChatGPT to find the best coupon codes that were working in June 2025. Is Mark and she's your favorite food? No yes it is yes yes it is yes that's correct okay thanks why are we so cautious about that I I at this point I don't know what mac and cheese means is like we're talking no it's your favorite food why because it is that's what's your favorite I feel like it's it's leading up to a joke or it's gonna like get me on something no I swear to you I'm just saying what's your favorite food I don't think I've eaten that in years but it's your favorite I mean one of my favorite restaurants

restaurants is in a different country, maybe, but I haven't eaten it in yours. It's still my favorite. Yeah, I don't know. Maybe lobster mac and cheese is pretty good. So it is your favorite. You just, I don't know my favorite. Yeah, it is. It's not, though. If I were going to say my favorite food, it would be mac and cheese. It's all you could eat sushi at this place called Umia in Las Vegas. After 9 p.m., it's $22.2. Besides mac and cheese. $22 all you could eat sushi from umia is my favorite food. Why was your guy was so as much? money as you would you need to go all you can eat sushi because it's delicious it's

the best one you've had besides mac and cheese it's the best one i've had a buff mac and cheese that's not true though why are you denying it how is this denying your favorite food is mac and cheese you're denying that's their case how you know it's my favorite food yeah it is it's not though but it's one of it's it's not just one of them it's the one why do you say that though because that's just how it is it why do i say that that there's a camera filming us but I don't know it's a camera

I mean I could disprove this by like the number of times I've eaten mac and cheese versus the number of times Well my favorite Mac and cheese isn't super healthy so I know why you don't eat it all the time but it's in your favorite food still

Yeah it is I feel like this is this is some Leading up somewhere I don't know what this I've been I've been arguing with you about this for a couple of minutes now I feel like if I was leading up to something I would have done it

I just don't know why you're lying I see I was hoping you'd bring out some like mac and cheese or there'd be like there's nothing this is leading up to absolutely nothing i don't believe you but i'll move on to the next question okay yeah yeah yeah we'll agree to disagree do you like children no believe no i really don't children you don't like children no gosh maybe like i don't like children like i started thinking he was like a mannequin for the last This episode is brought to you by Square. You're not just running a restaurant.

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Because when you're doing big things, your tools should to. Visit square.ca to get started. Yeah, like, I get, being around children is just like they're, they're loud, they touch things. I just... Oh, that's not what I meant when I asked that. Yeah. You know what I meant?

You want to infer to him? Yeah, Graham likes children. Like, we have a friend that had a child, you know, a couple years ago, and Grand held it. You're okay with him saying that on your behalf, that you like children? He's like children? No, dude, don't fuck with it. He's not meaning it like that, dude. I'm just asking you, I think he's not meaning in it in a, he's inferring, I'm trying to infer.

I'm just, I'm, I mean, it's just a question. Your answer should have just been no. But he's saying you do, I don't know, it's kind of weird. It is weird, Jack. You're the one who's talking about. Do you like children? Absolutely not, no. See, he was pretty clear about his answer.

But here's that. I want to make sure it doesn't get taken out of context is, is one of the most impressed. Do you explain that? I'm just asking if you like them. No. Why did it take you so long to say that? I feel like we're spending just as much time on this as we are mac and cheese. Yeah, and you were lying about that too.

It's your favorite food. No, it's not. Yeah, it is. Why would you did not? What? I don't understand how... Would there be a reason for me to lie about mac and cheese? That's what I don't understand.

It's like asking, you don't, you don't lie to something. and then ask them why you're lying that's just a manipulation tactic to make it seem like you have no reason I don't know what your motive is I think I think it's manipulation tactic to say I like something but it would be manipulation if I got anything out of it what do I gain by lying about you well now I'm doing what you did so you I'm like taking all the bad stuff I just I just know it to be the case you get content out of it though it's juicy what nobody cares about me Realistically, the retention is dropping right now.

That's why I'm saying. I'm just frustrated personally that you're lying to me. Yeah. So what's your favorite food? My favorite food is all you can eat sushi. That's your favorite restaurant because it's ideal. It's cheap. But your favorite food is mac and cheese.

It is, yes. Maybe lobster. I like lobster. Lobster mac and cheese? Lobster mac and cheese with the mac and cheese on the side. Your favorite food is mac and cheese And it's better for you with lobster In the trash

So lobster mac and cheese That's not true Why are you lying about this? I don't understand In front of me Let's move on I don't want to waste too much time on this And you're just lying about it

Your favorite food is mac and cheese What's the correlation with Methead being so good at business With what? You said meth heads? They're so good at business Are they? Yeah, they're trading stocks at high level

I don't think they are I think you're confusing meth heads with Adderall and No, people think it's Adderall or Coke but it's really meth heads

They're the ones You ever been to Wall Street There's meth heads All over the street Is it meth or is it I feel like it's cocaine Probably No, it's not

That's a surprising thing Meth? I don't know You ever been to New York? Yeah Yeah, there's a ton of meth heads I haven't seen them You haven't seen meth heads

In New York? No I don't know what to tell you You just, are you blind? Hopefully not. You comfortable there, Jack, or you're okay? You want, did you want to sit on the floor? I mean, yes, actually.

I can ask him to move if you want to sit here. Why don't, you don't, you don't want to trade? I was just kidding. I wouldn't do that. Are you a business mongle? No. Why not? A mongle?

Yeah. No. Like an idiot and animal? Probably, probably, probably. not? Why not? Why would I be? It wouldn't really be your choice. It would just be something that...

Be like asking somebody why they enjoy the taste of mac and cheese. Why not? I don't know. What is his favorite food the same thing? Jackson? I could guess. No, Jack's favorite food? Is it mac and cheese? I know what it is. Burgers. But you like sushi too, but Jack gets a burger.

We go to like a sushi plane, so we'll get the burger. What's the answer? Yeah, burgers. No, it's not. It's mac and cheese. What's your favorite food? Mac and cheese. Why are you looking at me?

Like I said something funny. I don't know why I'm being gassolid right now. I still feel like this is a bit. It's not a bit. There's going to be like some sort of like it's leading up to like there's going to be a big reveal at the end. This is an empty. house here, an empty Airbnb we're using to film. If you want to walk around

for yourself and take a look, you'll find nothing. Okay. I believe you. I believe you. Do you think it would be appropriate if you tried selling your courses to the kids of the playground? No. Why not? I don't think, well, it depends. I don't think they have an interest in

learning what I would have to teach of personal friends. But they might be the only one dumb enough to buy it. You're right. I might have to try you sell courses not not years dude it's been years but you did from 2018 to 2021 I sold a course on how to grow on YouTube what did you say like hey I got your money ha ha suckers no no dude I spent I spent like six months on this thing well what are you teaching what there have been quite a few channels that have hit one to three

million subscribers who started through that it was really are they your channels no not My channel. No, no. These are people who just went through it. Years later, we were like, dude, I took that,

and then now I have 3 million subscribers. Well, I don't know. I guess, I think we have to shoot your podcast, but that's not why I have to end it short.

I'm not sure if you guys heard the knock on the door. Do you know who's there? It's long neck. He's here. We have to shoot with him. So if you guys want to do like a little intermission,

I'll shoot with longneck real quick and then I can meet you with your place. Sure. Do you want me to set him up to do your show as well? It might, It might not be probably our audience.

Longneck? I don't, why not? Why not? He's like a business guy. You know him? No, I've seen it. I've seen his content, right? You know what?

We had the chiropractor on who did a video with him? Longneck. Yeah, with long neck. You had on long neck already, so you don't want him on again? No, we didn't have him on. You did have him on. We had his chiropractor on.

You just said you had him on, and now you're changing your mind? We had his chiropractor on. Who cracked Longnecks's neck. Yeah, you had on Long Neck and showed a video of him getting going to the chiropractor. You're right, we did. Yeah, and your favorite food is mac and cheese.

It is. So why were you lying at the whole time? You got me, man. So what was the whole point of that whole lying and killing the retention and all that bullshit? I don't understand. Just making your life difficult, that's all. I'm trying to help your channel. I want to give you good content.

How does that help it? I just thought it was a funny back and forth banter. Yeah, it's actually mac and cheese. And what about you? Was that burger thing a lie or what? Yeah, it's mac and cheese as well. And what about you? Maca cheese.

That would be my guess. Well, thanks for coming on. I have to kill Longnecks, so I'll see you guys in your studio soon. Cool. Nice to meet you. Amen.