The Trillionaire Mindset - 13: Mailbag Episode

Episode Date: December 27, 2021

You asked, we answered! This week Ben and Emil answer your burning questions about the best ways to get into investing, break down the worrying future of the economy, and joke about the size of Ben’s belly. Listen on Apple Podcasts: http://apple.co/trillionaire Head to https://www.NetSuite.COM/TRILL for special ‘end of year’ financing on the number one Financial System for growing businesses.  Go to https://HelloFresh.COM/trill16 and use code trill16 for up to 16 free meals AND 3 free gifts! Want to get started? Head over to https://Wix.com and create your website today. Trillionaire IG: https://www.instagram.com/trillionairepod/ Trillionaire Twitter: https://twitter.com/trillionairepod TMG Studios YouTube: https://www.youtube.com/tinymeatgang TMG Studios IG: https://www.instagram.com/realtmgstudios/ TMG Studios Twitter: https://twitter.com/realtmgstudios BEN https://www.instagram.com/bencahn/ https://twitter.com/Buncahn EMIL https://www.instagram.com/emilderosa/ https://twitter.com/emilderosa  *DISCLOSURE: THE OPINIONS EXPRESSED IN THIS VIDEO ARE SOLELY THOSE OF THE PARTICIPANTS INVOLVED. THESE OPINIONS DO NOT REFLECT THE OPINIONS OF ANYONE ELSE. THIS IS NOT INVESTMENT ADVICE. THE VIEWER OF THE VIDEO IS RESPONSIBLE FOR CONSIDERING ANY INFORMATION CAREFULLY AND MAKING THEIR OWN DECISIONS TO BUY OR SELL OR HOLD ANY INVESTMENT. SOME OF THE CONTENT OF THIS VIDEO IS CONSIDERED TO BE SATIRE AND MAY NOT BE CONSIDERED FACTUAL AND SHOULD BE TAKEN IN SUCH LIGHT.*

So I let it out and it was shit and I Yeah, I know but this is different. This is piss adjacent so so I I'm sitting there on hold and oh my god. It felt like So much had come out even though you know, it wasn't that much But I get up to check and it had already immediately soaked through my underwear, my shorts, and was on the pillow. I know. And just as I notice that, I hear, click, uh, mister, cunt.

I think I thought subsies for you. I'm so... Ha ha ha ha ha ha ha ha ha! Wait. The whole shares are just getting hammered this morning. Every day they're failing at the cool one. I'm not fucking late. Here we are. Hope everyone had a good Christmas with you Mary Christmas. Hope your family didn't fight too much.

Yeah, mine or the audience just everyone's in general. Yeah, my family didn't I hope you had somewhere to go over Christmas me. Everyone. Oh yeah, okay. I'm saying hi to them. Yeah, yeah. Well, you're looking at me. So right because you're the only one here. Yeah, okay. I'm saying hi to them. Yeah, yeah. Well, you're looking at me, so. Right, because you're the only one here.

Yeah. Well, the camera right there, right there, right there. You want to give them a little disclosure? Head on with the check. Oh yeah, you got to check that. You got to check that description box. There's some kind of disclaimer in there that you're supposed to read.

You should read it. Go ahead. Do I do anything on Christmas? No. It's just a day for you. It's just a day for me, but I do feel, but okay, so check this out. Is it boring?

It's not boring, but here's something funny. So I'm half Jewish. My dad was Jewish. My mom did convert when I was like 10 or 11 or something. You got to go to your mom's bot mitzvah? She did not have a bot mitzvah, but she did do. She did have a bris. Yes, my mom's foreskin was cut off.

But she, she's a more dedicated Jew than myself or my brothers at this point. Wow. So, but the sad thing is I have, my mom has two children from previous marriages and they obviously aren't Jewish. Nice, yeah, my mom, are you saying nice because it implies that my mom had sex? Well, she did. She's listening. Nice, yeah. My mom, are you saying nice? Cause it implies that my mom had sex. Well, she did.

She's listening. Hey, Mom. I'm sorry. But so my older half brother and sister lived with us when I was born. And so we had Christmas and Hanukkah up until I was about six years old. Wow, look at me.

When they moved out. and then guess what? Christmas was taken from us. So imagine there is a war on Christmas. If there was a war on Christmas, in the house, we didn't have Christmas anymore. The war on Christmas is real. It was really sad because I loved Christmas. I loved the smell.

And yeah, now I don't have it. Oh, no, no, Christmas tree in my home. It smells like Christmas. I don't have it. And I home. It smells. I don't I don't have it And I could absolutely get one. I don't know why I don't I should nobody stop and you don't even exchange gifts or anything No, we don't yeah my mom will like Venmo me and my brother is a hundred bucks or something I got every member of my family governor Cuomo's Leadership lessons in the COVID-19 pandemic. Is that a book? Yeah Jesus, right. So who is buying that book me You literally just that about six copies of it

Um, and it does suck cuz I mean the the old Trope joke is that oh, you know Jews on Christmas go to Chinese restaurants and go to movies, but guess what? Drive mini bands. We're not in South Williamsburg, dude. But there's a bunch of Jews in South Williamsburg for those of you who don't know, and they drive mini vans, because they got a ton of kids, these people, those people.

But it's annoying, because now the cat's out of the bag, and everybody, no, that everybody goes, so now you, good luck trying to go to a Chinese restaurant. Yeah, good luck Good luck going to the movies. So yeah, I do like Christmas because I still like the feeling associated with it It is a special time and I'm I love it. I love Christmas. Wow. Yeah, I really do Yeah, and I spend it alone usually

So you are one of Santa's brave warriors in the war on Christmas. Yeah, I'll fight for it. Yeah, I am one of Santa's brave warriors. I always whenever they, whenever they ask if anyone's a veteran when you're getting on a plane for early, early boarding, I always say that I'm a veteran of the war on Christmas. And do they get you on board? No, never, it's no work. I thought that you were gonna say something different. I thought that you were gonna say that you lie and say that you're a veteran, so that you can get on board.

But you need military ID for that. Yeah. Anyway, we got a fun special episode. Like we're doing a end of year mail bag. Mail bag. We're finally doing it. Full episode. Only questions from you guys.

You guys have completely control over the entire episode. Yeah. I don't even know what we're gonna talk about. I don't know either. It's not like we pre-screened these questions. I hope our producers pre-screened, so we don't have to do that thing. First question.

First question. Why does Emil, I got nothing. I was gonna burn you, but I didn't wanna be mean. Why does Emil meal smell? You don't smell it. You could have said why a meal sucks so bad. It would have gotten me. Yeah.

What did you say? I interrupted you. Why did that thing be? No, yeah, just these, they like to fuck with us. Yeah, and ask questions such as. Do that thing before. Yeah. And because the last time we did it, I joked about how that was probably the most popular

question. They did it again this time. Yeah, I joked about how that, that was probably the most popular question. They did it again this time. Yeah, I did see a couple of those. So, how big do that thing be? I don't know, something. People are perverts. But, but we love them all the same. We love all of our audience.

Yeah, we love all of our trillion dollar babies out there. Yeah, trillion dollar baby, I love that. There, you are a $1 trillion baby if you're watching. I'm gonna, I gotta give a shout out, cause my friend who watches the show, Tyler Thompson said, he said, I love the show, I'm a trillion dollar baby for life and I said, can I steal that? And he said, of course.

What's his name again? Tyler. Tyler Thomas. Tyler Thompson. Tyler. Thanks Tyler for all of our trillion dollar babies. Yeah, thanks. We do want to take a moment actually to sincerely thank everyone who has been watching

the show up until now. We could not do this without you watching. So you clicking, listening, leaving comments, pressing the like button. You're doing the holiday speech thing. It has nothing to do with the whole, well, yeah. In the end of the year speech. It's the Christmas spirit. May God bless you and keep you in prison.

Should we, we are, yeah, thank you. And also big thanks to the crew who makes this happen. You guys are very special and we love you very much. You guys are very cool and have made us feel incredibly welcome and you're so good at what you do. And that our, our ability to do this show hinges on your ability to do what you do so well. And without you, we'd be nothing, we'd be lost.

We'd be hopeless. We'd be screaming at each other. That was beautiful. That was beautiful. Thank you to Cody and Noel. Thank you, especially to Cody and Noel, yeah. Taking a chance on these two more on. The two big daddies.

The two absolute idiots. Ha, ha, ha. Hey. Ain't no idea what they're getting in. No, they really didn't, they took a swing. We pitched him a meatball and they took that swing. And it was a, it was a, it was a double. It looked good for a second and then, oh, just foul.

Oh, I was, I said it was a double. Oh. But then, but then someone, then someone was like a ground roll double Where everyone was like yeah, did I come what do we do in this? I mean it's ground rule double. Yeah, no, that's what I said Oh, yeah, I said roll anyway, no, I know I did I as soon as I said it I hope Ben doesn't pick up on that I fucked up. I love baseball. Should we get to a question? We've been Yeah, let's go I had to get the question, weven. Yeah, let's go ahead and get the COVID item.

This is a great first question. I love this. From Anna Daphne Nicole, she asks, for someone, comma, that's a weird place for a comma. Alright, we're not going to correct anyone's grammar. It's the internet. She probably fucked it. For someone with no experience in the stock market, what should I invest in or where should I start? That is such a great question

Well, I do experience. Yeah, with no experience I would first say don't just dive right in a lot of people just these days just really want to dive right in and I commend your Exuberance and your bravery and your wanting to participate But you can do all of that without actually committing money. You can do what's called paper trading. There are, if you just Google paper trading accounts, you'll find plenty of them out there. And you just sign up and it gives you paper trading accounts give you fake money to play with real stocks.

So it's real stocks in real time. Get you familiar with how things go. If you find yourself asking questions, Google it. You'd be so shocked at how much you can find by googling it. And that's how I learned. You learn by doing. You learn by diving right in. And yeah, what should you invest in? Well, that's, you know, you'll get to that. But I would say generally, the general rule, the general consensus, the proven track record rule, the general consensus, the proven track record is just putting your money into what are called index funds. And we will get around to what those are at a later time in this episode. So stay tuned. Do you have anything to add?

I was going to ask about index funds, but if we're going to get to it later, we will. We will. Yeah. But yeah, there's someone who has no experiences. Yeah. Yeah. You know, dive in, start, in, start looking around. I actually, so this is a little more advanced because the people that I have on this list are more advanced, but if you go to my Twitter account at Buncon, BUN, and you click, because someone else has been called,

I know, he's a soccer guy, he's great. So if you go on my account and you click lists, there will be a list called Finance Twitter that is especially curated list that I have put together of traders and chart people and all sorts of things. But like I said, it's a little... That's good info. Yeah, but there's people out there who on that list, there's hundreds of them now. Go clean it up.

Yeah, I should clean it up because I haven't updated it in a while. But you know But there's a good mix of people on there and you'll find stuff that you jive with. Next question is kind of related to that from Troy Kawika. Can you read that? No, I'm not going to take a chance on that. Okay. Troy says, all I do is throw money in VFIAX, which is a ticker symbol, and out my company 401k match, will I be fine? So VF IAX is a Vanguard fund. I'm not sure which one it is specifically. Can you Google it real fast, VF IAX? It should just pop up, please. So this is a VF IAX is the

Vanguard 500 index fund admiral shares. It's a fund that tracks the S&P 500. All right, so I'll tackle the first part first. Yeah, if anybody out there has any kind of 401k match, max it out. It's your leaving money on the table otherwise. You don't have to put anything beyond that, but if they match whatever they match, max it out. It's free money. Take it. And as to the other part, your VFIA X, you know, I don't, I don't, again, none of this is strictly financial advice. This is just, you know, kind of shoot the shit here. Yeah, I'm just commenting, talking shit. If you can afford to take those risks as a young person, you can, you know, if you're 60,

you're not gonna invest in growth stocks because they're potential for them to not do well, isn't something that you wanna do. You do it, you'll allow your retirement. Yeah, well, when I turn 80, I'm gonna just be living on the edge. I'm gonna smoke cigarettes, I'm gonna do drugs, I'm gonna steal. Is that true? Oh, hell yeah. I do gonna smoke cigarettes, I'm gonna do drugs, I'm gonna steal.

Is that true? Oh hell yeah. I do all that now. You're gonna be 80, what's the, yeah. You know, it's smoking's bad. I do, I just don't do it around you. I just, yeah. How come they haven't figured out like cancer-free cigarettes?

Figure that out. Figure it out, that's a trillion dollar idea. That's a trillion dollar idea straight up. Cause smoking is so cool, it feels good. It looks cool. It looks cool. Yeah, it tastes good if you're into it. But it kills you.

Yeah, cause you can't. We don't like cancer. Some people in the comments might go, I think that's vaping. We don't know anything about vaping. Vaping, remember when the meme was, it's just water vapor. No.

That was like the thing when vaping, and people were raising concerns about vaping initially and the vape had to say it's just water vapor It's harmless. It's just water vapor and now it's like no, it's absolutely not it's full of shit Yeah, who knows what that's gonna do to us. Who know maybe even worse than cigarettes possibly Anyway, Troy will you be fine probably yeah, just you sound... You sound like a smart kid, Troy. He sounds like, yeah, Troy sounds good. We're proud of you. Yeah, we are. Next question comes from Brett Mouse.

Brett, well, that's what he's doing there. I know. Brett Mouse. But then I saw it. What are good beginner rules for someone who has never bought stocks before? Oh, baby. I mean, if you go back to the very first episode

of Chilling Nourmine Set, there's some good rules that there's some good things that I did would be ideal for you to avoid. Stay away from penny stocks, stay away from people who pump online and say outrageous things like this could go up to 500% or AMC to 100,000. Any kind of analysis like that? Just do, you know, because it's hard because it does appeal to a greedy part of our brains that goes, I want it on that.

Maybe I could, maybe this guy's right. A good exercise would be to imagine a friend is coming to you and saying these things and just try to prove them wrong and try to talk them out of it. Talk yourself out of it. Like, yeah, this probably, if it were this true, the fact that I, an inexperienced trader, and coming across it, probably means that I'm the sucker here, you know? Does that kind of make sense? Yeah, don't, don't yolo, don't trade options. Options are meant to be something for people who have at least a couple years experience.

Like Larry, again, Larry, my friend Larry, he's playing around with options, and I don't think that he should, but he's doing it and he made some money. Good job. Yeah, you know? Go for Larry. Go for Larry. Go for Larry, but I just think that you,

you, you, you, you got a crawl before you can walk and you got a walk before you can run. Yeah, dip your toes in. Yeah, dip your toes. Watch the market a little bit. Yeah, just see what trends you know. Make a list of stocks that you like. Make a list of companies that you like and yeah,

which leads itself to the next question from Jack Morouse. What tools slash websites should beginner traders be using to learn more about stocks? Yahoo Finance. I like FinViz. I like which is kind of the same thing. With Yahoo Finance, again, you want to go to, if you Google the ticker symbol, so like Apple, AAPL, and then the phrase, key statistics will take you to a Yahoo Finance page that's pretty comprehensive. And you know, you don't necessarily need to concern yourself with all the little, the PE ratios and all that stuff. That's because it's all arbitrary. Like the way to value a stock these days

is just depends on who you ask what they do. But yeah, what tools and websites. And then tradingview.com is a great one for charts. It's highly customizable. You can use all sorts of different indicators. YouTube is a good one. Just the internet is really, do you use the, invest a PDF is a good one. Just the internet is really... Do you use the...

Investopedia is a good one too. Yeah, Investopedia, what about the, like unlocking whales or whatever it's called? Unusual whales. Unusual whales. Unusual whales is a service that you can pay for and they have a good Twitter account. And they're one of those ones,

as I mentioned in the previous episode, that scans for unusual activity in stocks. So like if suddenly there's a million dollar option trade that just went through on Microsoft, it'll alert. And people, you can follow those, but the tricky part with those kind of things is you don't necessarily know what the intention is behind the trade, it might be a hedge, it might be, you know, any number of things. So it's not always that black and white that oh, someone bought this, they must know something, I'm gonna follow it blindly, because-

Do you fuck around on Reddit? Reddit can be cool, there's a lot of smart people out there. And I have, but here's one of the drawbacks to Reddit. I've gone on there and read really insightful analysis of stocks and then at the end, it's like, I'm 19 and I have a thousand dollars in my account. Please up both this if you liked it. It's like, oh Jesus Christ.

Yeah, so I would say. It's always hard to tell if you can trust fart man 420. We can't invest the advice of fart man 420. I'm not gonna impress it. I'm not gonna impress the button either to make the part. I would say it's always hard to tell if you can trust fartman for 20 I'm not gonna impress it. I'm not gonna press the button either to make the part time. We all appreciate it. Thank you um And yeah, just generally don't don't put the cart before the horse and don't Don't go into it with them. It's really really hard to do in practice but yeah, you can't approach it from a to do in practice. But yeah, you can't approach it from a place of like, I'm gonna get rich now and I'm gonna, it takes a long ass time and you will if you do it right and you don't

get fancy and don't try to try to be a hero. It's not gonna work. Oh okay, Josh Illardrum. Josh Illardrum. Josh Illardrum? Josh Illardrum. Josh Illardrum, I think. What's your favorite part of doing the podcast so far? You want me to go first? Sure. Hmm, there's a couple things.

This is the most fun thing I've ever done, probably. Getting to, I mean, this is insane. I never thought I would get to do this. It's incredibly fun. We work with these awesome people who are extremely good at their jobs and make doing this much easier and more fun And then yeah, I don't know. I'm just like Already a psycho about like what's going on in the world and like it's it's

Such a nice thing to be able to Have this thing where we just get to Where I just get to like work through it with my friend every week, that's very fun. That is fun. Yeah, it's like the best. It's fun to have a captive audience. Yeah.

Where you just have to listen and hear what stupid thing I have to, I like it because I get a place to tell stories about dumb shit that I've done. Yeah. Stay tuned, I got a real doozy. In this episode? Yes, yeah. You know what's another one? We've actually talked about this. This one's just popped into my head. We both said it's great that our moms have this fun thing to watch every week. Yeah. They are probably the biggest fans. Oh yeah.

And I think that might be the amount of joy. I don't know about your mom. The amount of joy my mom gets out of she loves watching this every week. And I was good nervous because we say some. Yeah. We talked about blue shoes last episode. Right. But boner pills. My mom's never said you're gross or yeah, my mom doesn't judge. Literally, I get a text every week and she just says best one yet. That's good. We love that. And both our mom share the same name. That's true. Let's not tell them. No. Last thing I need is fucking internet people knowing my mind. Oh, I know. Mary. .lsl asks, Ben, what is the most valuable life lesson you've learned from trading? That's a very very good question and I kind of had a realization about this a few years ago It's a couple things I had it when I was actually I was surfing and I missed a wave and I was really pissed off about it and annoyed

But then I just calmed down and I told myself you know what because I already had a bad day trading that day and I told myself, you know what? Because I had already had a bad day, trading that day. And I was like, damn, surfing is a lot like trading. There's always another wave. And it's true. There's always, because I'm constantly, constantly getting pissed off about missed opportunities in trading and

Like I said, it's a practice and it it's a it's a constant reminder. You've got a Rail into your own brain. There's always another opportunity and it's really really hard because sometimes it feels like That was the last one I missed it and now it's just gonna it's like Bitcoin Where it's just gonna keep going up forever without me and if I buy buy it now, it's gonna tank. And if I don't, it's gonna skyrocket. But yeah, you gotta, that's a big lesson is realizing that there's always another opportunity, whether that's a relationship, whether that's a job, a stock, you name it. Nothing is permanent. And that includes losses too. You lose, you win some, you lose some, truly. The other big one is trust yourself.

Always trust your gut. If you're about to smash that, I was gonna say click button. Like button. If you're about to smash that, I was gonna say click button. Like button. If you're about to smash that buy button or sell button and it doesn't feel good, listen to that gut. Or, yeah, if I don't know, I've just had many, many cases where

both in trading and in life actually, where it served me best or would have served me best if I had just trusted my own intuition because at the end of the day, you know you better than anyone else. Except for your mom. Your mom knows you pretty well. And if your mom's dead or not around, I'm sorry. Moms are overrated.

What? Don't tell them I said that. I disagree. So overrated, Not mine though. But yeah, so I would say that those are the most valuable life lessons. Those are good. Yeah. They're pretty valuable.

Those are like life lessons. Yeah, they're truly, I'll probably think of one later that'll piss me off. You'll get in the car and you go, stupid motherfucker, I should have said. I should have said that other one. Andrew 12 Jackson. Oh, okay. How do they meet the TMG gang? I should have said that other one. Andrew Twelves Jackson. Whoa. Okay. How did they meet the TMG gang? Well, I first met Cody first via Vine

from, I don't even remember what year I first met the guy. 2014 maybe. And if I find the picture, that I got a funny picture of us, photo bombing a friend of ours is phone, where I took like 30 photos, rapid fire with just us. And yeah, if I find it, we'll toss it up. And if you see it, that's it.

But, and then I think, I don't even remember the first time I met Noel, but it was a similar thing where I met him through Vine and I DMed him because I thought he was hilarious. And shit, yeah, I really don't remember the first time I met him. You have a lot of internet friends.

Yeah, well the internet's a great place to meet people. I feel like most of my friends are IRL. Earl? Nice. I look like you did a Tom face there. Yeah, a little bit. Tom, warm scant. Warm scant. Would you let me be the Greg to my Tom? Well, I was gonna say the sports to your Neuro That's a that's a deep cut my friend for those who don't watch succession. Yes, it's way over their heads and

Then you met the TMG guys Through me recently. Yes, very recently. I knew him. Kate Armstrong asks if you were a billionaire what would be the first thing you do? I would buy a football team and name them the footballs. That's what you do. That's what I would do. And I've said that before and I'll say it again. I will do that. If you give me a billion dollars i swear to god all by the cheapest team and rename them the footballs there thereby making them so popular because people want to tune in and go to the games to see the footballs cuz it's crazy it's funny it's a meme it becomes a me and then i kind of have one of those now with uh... the washington redskins or whatever they are now what

have they called well because of the wall because of the redskins name and the uh... you know controversy surrounding that slur basically is, they know the Washington football team. That's funny. I love that. Look, and they just have a W as well. Yeah, Washington football team. Yeah, yeah. I don't know why, you know, if I had a billion dollars, I would keep, I don't know, I feel like I would want to do something good with most of it by my mama house,

by my brothers, each house, set up trust funds for all of my family members to give them a steady supply of income that they would never have to worry about touching so as not to accidentally squander it somehow. And then I would keep, I don't know, $10 million, put it in, no, buy a house or two, buy one in New York, buy one in LA, and then with $10 to $15 million, I would buy dividends, stocks, and dividend index funds, and then just live off the dividends, which would probably pay with that much money, you could easily make $500,000 a year just off dividends. In the rest, I would pull a McKinsey Bezos and just do my research and donate the hell out

of it and make sure it goes to good causes. What would you do, Emil? Similar thing, definitely, buy houses, set up my family. I think for at least a year, just go away. I would just like, I'm deleting every social media app. I'm deleting, I'm throwing my phone in the goddamn ocean. Oh God, that would be so awesome, yeah. And, yeah.

It's like an act. Oh, so you just won't hear from me for a year, definitely. And then I think I'd probably get bored. There's not that much I want. I think we were joking one time because we were talking about the lottery and you were like, what would you do if you'd want? And I was like, I'd buy a Subaru cross check. And you're like, that's what you fucking do.

I mean, I left out those details. I would buy a couple of my favorite cars. But yeah go away for a while and then I think I would yeah try to do something I mean it's just I couldn't even fathom what to do with all that money so try to put it to something good. I would like to modify my answer and just say that I would love to buy some farmland and just rescue as many dogs as possible. Just have a fucking, just a ton of animals. I would love horses and dogs and chick, that's what I would love. I feel like that's the ultimate key to life is living in nature and surrounding yourself with wife, your wife, have kids and have animals, that's all I want.

Just a bunch of moths running around. Yeah, that's truly my fantasy, is to just, I would be, I would live to 120 years old. Ring a little, uh, Trinable when it's time for dinner and they all come running. Oh yeah, and give them a slap. Oh, but good slap. My boys are eating good.

Yeah. So yeah. Ah, that him slop. Oh, but good slop. My boys are eating good. Yeah. So, yeah. That sounds nice. Isaac underscore quail asks, how do you think sustainability and environmentalism affects the market and now and in the future? Boring. I think we are going to actually,

we've talked about doing an episode on this kind of stuff. I mean, in a huge way, I mean, there's like, we've, I don't know how much to get into it because this is, it's a whole, yeah. I can't answer that actually. I really don't know. That we're gonna, I think very soon we're all gonna have to start whether we like it or not thinking about

our own actions within... Sure. Environmentalism and... Especially corporations actions and... How we can not boil ourselves alive. Yeah, I don't want to be like a crab. So, yeah, hopefully a longer, more in-depth answer coming soon, because that is really interesting to both of us, and there's a lot to... Talk about.

Lunchbox Lacks asks, do brokerages check your credit score? Here's my answer. Google it! Google it! Google it! So, I googled it and no, but if you're doing a margin account, yes. So if you are borrowing their money, they will. And I think actually most brokerages do anyway. Next question. Insigenzigen. Insigenzigenzigenzigenzigenzigenzigenzigenz.

How I can't do it? How long do you think we have before shit hits the fan? This is a funny question. How we have before shit hits the fan? This is a funny question. I How do you define shit hitting the fan or as I like to say when the defecation hits the oscillation? That's pretty good. Isn't that great? They uh my my Some members of my family were in the military and there's like rivalry between Different branch of the military like military Marines. I mean Navy, whatever, and they all have jokes for each other, but there's a funny one that reminded me of, you know, how did they get the name Marines?

And it's the sound shit makes when it hits the fan. Marine. That's so stupid. Only an Army guy would think of a joke that stupid. Am I right, Marine? Am I right to Jughead? We're all my Navy heads. Yeah, we're all my Navy heads.

Not Jughead's Jarhead. No, Jarhead's Jarhead's. Jughead is from a large area. Anyway, I think she's talking about, generally, societal collapse, climate change. I'm a, I think I'm not like a full blown dumber, but I'm more of a dumber than other people, I think I'm not like a full blown doomer, but I'm more of a doomer than other people, I think. I also think the shit is hitting the fan.

Yeah, depends on your perspective. Scary, right? Where you live. Like climate change is already a serious issue. I mean, if you're following along at all, there are like, once in a century climate events happening like every other week. You don't know if that's man made. There are, uh, I'd rather take my chances on it being man made than ignoring it and suffering the consequences. Right. I mean,

you're talking heat waves that have our roads and infrastructure buckling. Uh, yeah. Metal, stronger and more powerful storms. I mean, and all this is going on while a deadly virus is raging on that we don't really have control over political, political turmoil with, all time lows in trust and government. Yes.

I think the shit is hitting the van, it's only going to get worse unless like we can actually fucking do something. Yeah. What he said, I don't have really much comment. I think that I don't like to think about it. It's due to pressure. Have you ever seen that guy? His name is literally Guy Guy Guy McPherson. Who's Guy McPherson?

He's a he's a climate scientist and he is full-blown. He goes on TV and oh and he's There's a clip of I think it's an Australian guy and they're asking him, you know so you have predictions about climate change. What should we do? And he says, just go home, hug your family. There's nothing he said. And he goes, so like, how long we talk in 10 years? And he's like, we won't make it 10 years. Wow. Well, that guy, I that Lambo now on credit, that guy is full blown. Doomer. I have no idea if he's if he's like it's just it's interesting to see someone fully believe that we're toast I I hope that he's wrong I really do oh

yeah I mean 10 years the dive team asks dumbest stock market play slash bet that works I mean I've had a handful I I remember buying one I think the ticker symbol was RWLK real walk. And it's a penny stock garbage thing, but I bought it just to flip it. And I actually forgot that I had it. I had it for like a week. And then they came out with some news. They make, I mean, it's a real company,

but they're, how viable is their business model and what not? But they make an exoskeleton that helps. I think crippled people walk again. Oh, but they came out with some news and I woke up one day and it was up like 300% and I made a ton of money and I just. Holy shit, I just made, you know, five figures. So that was pretty stupid. And then when I, so that worked, but then the next one was probably when I did Wheel of Fortune and I put on a trade in the parking lot

and then just turned off my phone and I came back and I made like 20 grand. So that was nice. G-Camp 25, how does Emil get his hair to look so good? Tell us. I don't have like a hair care, people are not gonna like this. I don't have a hair care routine I just don't wash it. I don't wash my hair and Yeah, if you're washing your hair, I could tell I could see people got They're poofing all over the place. It's insane. I

Can't I tried doing the no washing thing, but after about four days, it gets so greasy and flat that I just, I can go wash. I can go wash. We have to train it. You can just knock all the sudden, you go like, you start going every other day, and then you move it to like every two days,

every three days, then you're going once a week. Yeah. And then your body gets used to not having to produce all that oil and stuff, but yeah, if you want it to not look like a poofy mess, it is weird though. Some people are like, yeah, what product is that that you got your hair and I have to be like, it's a meal. Yeah, exactly. That is human grease. Yeah. You want to take this next one? For Ben. Hmm. What? This is from Selmin, Selminiwee, maybe? For Ben, are you smarter than a meal or do you just always have to talk?

A meal, can you shut up for a second so I can answer this question? Sure, go ahead. Because you're, you know, a big dumb idiot and I have to talk right now. So. Yes, so they want to know why you talk so much. And my smarter than a meal or do I just always have to talk? I don't think either one of them, I think we're both probably equally smart in one way or another. About different things.

Yeah, you're smarter about certain things and I might be smarter about other things, which is true to the entire human experience. But so they're wondering why you cut me off all the time, I guess. No, I'm joking. I don't know what, I don't know what so mean is getting out of the question. Well listen, I do talk I probably definitely talk more namely sometimes because it's about stocks and I know more. Yeah, I so and I have a lot to say I got a big opinions. So mean. But thank you for the feedback genuinely. The next one comes from Kat.

Kat H-Win. Kat H-Win. Did you guys always know you wanted to be a stock trader slash lawyer? I'll let you go first. I was a late bloomer. I have a, this is more, no. I think I was one of those people who just, I think looking back on it,

I think I could have benefited a lot from taking a gap year or two before going to college. I think I was young for my grade. So my birthday's in August. I was always one of the youngest people in my grades. And I just always felt a little bit behind. I wasn't quite, I don't think I was the longest people in my grades, and I just always felt a little bit behind. I wasn't quite, I don't think I was quite ready to go to college. I was like, undeclared when I went in and I think, I think if I was talking to a senior

in high school, trying to decide whether or not they were going to college, I would say, do you know what you want to do before you go? And if they couldn't answer, I'd say, well, then give it some time and then go, it's always going to be there. Because I think being very specific about what you're trying to accomplish can make college much more useful. And I wish I knew. I wish when I was 17 and 18, I had a better idea of what I wanted out of the world. And it's a big ask of a 17, 18 year old. Sure is. Yeah.

I didn't always, stock trading for me was always a means to something else. When I first learned about stocks, it was from looking at my dad, looking at the prices in the newspaper every day, and I thought that it was interesting when I was, I don't know, six, seven, eight years old. And he explained to me what they were. I understood right away, you buy something today, sell it tomorrow,

and you pocket the difference, hopefully it's a lot, and you can make money that way. And I fancied myself as a smart little kid and someone who could, I could understand, I could figure out what's the next big thing. I think I can grasp this. But as soon as I said, you know, then I didn't do anything until I would start working. And nothing really called out to me work wise. I did want to do something in comedy, writing, acting, that kind of thing. And so I thought, okay, the best way for me to get there, I put together a plan. I wanted to get good at trading so that I could make enough money to stop trading, park all of that money into things that pay dividends so that I never have to work again

and I can focus all my time on creative endeavors. And yeah, and it just so happens that I find the stuff to be very interesting and challenging too, so I do like doing it in itself. And I guess in that sense, I did always wanna do this, but you're not defined by what you do. You can always have your side things, and that's kinda what I'm trying to do like with this.

This is part of that goal eventually of doing something else that I like talking. I like entertaining. I like doing all of this shit. Period. That's how you talk. At? What's talking?

At EV, I am, oh, wait, are we doing that? Yeah. This one, okay, EV, I am G. I have an interest free student loan. Should I pay it off as soon as possible? Or spread it out as much as possible? I would love to know where she got an interest free student loan. And if you have an interest free loan, I would say spread it out as long as you can.

Why not? Spread it out as long as you can. There's no make sure that there's no caveat, no fine print that says that up until a certain point, your interest free and then it kicks in. And then if you haven't paid off the total amount or a certain amount that you'll have to retroactively pay interest because I'm sure that there's some kind of shady shit involved in that. Unless you are a bank getting a fucking loan from the government or something. Yeah, how you got, but hey, good on you, Evie.

Michael Bernal, would you say it's possible to trade while having a full-time job in other commitments? Yes, I did it. Just make sure that it doesn't interfere with your job because you definitely don't want to get fired. Or if your job involves the lives and safety of other people, don't dick around with Robinhood while you're driving a bus. Because that would be irresponsible and dangerous. But yeah, it absolutely is. Just, you know, market opens at 9.30 a.m. Eastern time and closes at 4. So if you've got any time in there to do it, do it. Odd underscore in, who asked who out for the first date? You're the cutest couple in financial podcasts. I think I found out that you climb

and I had just gotten into it. So I asked you what it was. Yeah, I think I was talking about it at the beach and you went, ooh, you climb? Yeah. And I said, you want to talk about it at the beach. And you went, ooh, you climb. Yeah. And I said, oh, great. Another one. I actually don't love, I like doing it with you,

but I don't love working out with people sometimes. Sometimes it's just like, yeah, it's just talking, talking, talking. I just want to get in and out. I want to get in and do my sets. Will Cambridge, are you suspecting a mark, it sounds like I'm asking Will Cambridge. Will Cambridge says or asks, are you suspecting a market crash in 2022?

Well, that's a complicated question and here's a little teaser for you. We're gonna have a very special guest. Can I say his name? We're gonna have Graham Stefanon in a few weeks and he's going to go over his predictions for 2022 with us. That's one of the things that we wanna talk about.

We're gonna do some new years predictions. Yeah, we got some, but I don't think a market crash. I definitely think that there's gonna be some pretty big drawdowns at some point. You want me to read this next one? Yeah. JD, oh, JD and Martin, sorry. If you were to fight Cody and Noel 2v2 in a boxing match, who would win?

Well, it doesn't know how box actually is, and he's probably really good. So you should take him. I don't fight. I've never been in a fight, but you've been in fights. I guess. I don't have that qualified to take on a boxer. I will say we're both bigger than them. Yes.

And that does play a role. Yes. We'd does play a role. Yes. We'd have much more reach. Reach. Go on. I'm trying to think. You're the thing I would do. I think if it was just boxing.

Yeah. Noelle's going to fuck one of us up. Yeah. Well, if it's a no-holds-barred fight, I think if it was just boxing, yeah. Noelle's gonna fuck one of us up. Yeah. Well, if it's a no-hold-barred fight, I think. Okay, so now it's not boxing, it's just a fight. It's just a fight. It's just a wrestling match. I don't know, you're in a WWE.

Yeah, a fight until someone taps out. Yeah. Okay. I think I could take on Cody, because two things, I would just say, Cody, look over there, a startup. Okay. And then I would just say, Cody, look over there, a startup. And you would go, huh? And then I would just fall onto him,

and I would use my sheer size to just, I would crush, no, I would, what's it called? I would just smother him. You would smother Cody? Yeah, I would just, I mean, I'm a big guy, I'm 200 pounds. Okay, so you're holding Cody, I would just fat William. And I have to find a way to sit on him.

I have to find a way to take out Noel. Yeah, you gotta say, Noel, look over there, a race car. Yeah. No, I don't like to use any tricks. Except I would like, not, not tricks like that, but I would, I'll, yeah, no. Look at this.

I don't mind, if it's a fight to, you know, I don't, there's no cheap stuff, biting, pinching, whatever you gotta do, it goes trying to kill you. Yeah, that's true. So, so that's our answer. I think we could take them on. I don't know. I think we could take them on pay-per-view.

We got to, we should start doing pay-per-view fights because there's money in that shit. Pay-per-view. We got a, we should start doing pay-per-view fights because there's money in that shit. Pay-per-view, Ben and Emil versus Cody and Noel, two versus two. Oh, they specify a boxing match. Well, yeah, so... These are our money makers, man. We're gonna get them all fucked up.

Yeah. I would have to say that I would, I have an advantage with my very long arms. I have like six foot, five is my reach or something like that. You never had to get in a fight with her. I've never been in a fight You've ever been punched in the face never been put. That's so nice. It's so scary. Yeah I'd be scared listen Here's the reason why I never want to get in a fight

I've seen too many videos of people getting knocked on the ground and then having seizures Hearing stories about people getting knocked on the ground and dying so a I don't want to be the person having a seizure or dying. And B, I don't want to be the person killing some. And these are the two things that you got to consider in a fight. In any situation, you got a factor in the worst case scenario. And that's a viable. No, it's a horrible thing. I, last time I was ever, I was, this would probably, I was probably 21 or something.

I've, that's, it's a stupid thing to do. It's a young man's game I would never... Yeah, never. Ever in a million years. Well, I'll never say never, but... You got too much to lose now. You'd have to do something pretty stupid for me to wanna. Yeah, you'd have to spit in my mama's face.

Yeah, then? And then I would say, what did she say, though? Oh, no, man. At Farm and Boy 7, when you buy and sell stocks, who are you buying from and who are you selling to? Market makers, other people, it's either and market makers are basically brokerages who either are Acting as an intermediary as an agent as they say where they are connecting you the buyer with a seller or

as they say, where they are connecting you the buyer with a seller or they're acting as a principal where they have the shares in their bank and you just buy it straight from them. There's your answer. Ryan Ho 98. Where are we? Best credit card for rewards, points, and travel for the average Joe.

I have my favorite cards and I think I'm all out of referral links, I had people DMing me because they cap me at how many people I can refer. But you guys can hit me up. Personally, I put some referral codes in. I personally use American Express cards. I have the American Express Gold card. It's got a $250 annual fee, but that's offset by some of the perks.

You can Google it, look it up. And the points are very valuable. It all depends on what you wanna do. If you wanna travel, you can find an American Airlines card, a Delta card, a Alaska Airlines card, Southwest has cards. It just depends on who your favorite airline is or what speaks to you. If you wanna do hotels, you can get hotel cards. It just depends on who your favorite airline is or what speaks to you.

If you're, if you want to do hotels, you can get hotel cards. If you want just general all around, and then there's cash back cards too that I don't fuck with because I don't care about cash back. I care about points because they're the most valuable to me. But generally speaking, American Express has very valuable points. They're just called Amix rewards points, I think. And then Chase, ultimate rewards points are very, very valuable. Yeah, I was going to say the Chase Sapphire one is the... Chase Sapphire preferred is the cheaper card. It's got a 95, yeah, the 95 annual fee is for the preferred.

And it's like 550 annual fee for the reserve, but it comes again with all sorts of perks that effectively offset that annual fee. See, I think that's why that woman asked that question about you. I was going to talk about the chase after I reserved and then you just kind of took it from me. Sorry. Sorry. No, go for it. It's got so many perks.

We love perks. But, and one of the things that you can do that I love to do is just Google best uses of blank points. So if you're thinking about any one of these cards, just take an afternoon to check out the best uses for chase points, the best uses for American Airlines miles or AMX points. And if any of those goals speak to you, then get those cards. X, VX, Lil Marquez says, any merch coming out soon? Yes, hopefully very soon.

You guys, thank you guys for all of the responses on the last one that we asked about it. We are trying to make it happen as soon as possible. We didn't know people would want it as much as they do and we're stoked on that. So hopefully we can get it out early next year or, you know, in January. Ryan Johnson 20, if you were joint presidents of the US, what is the first thing you two would do? Ooh. So how does this work?

Do we, do I have to run things by you or am I, I think that we are co presidents. Co presidents. Yeah. I think that we are co-presidents. We're co-presidents. Yeah, so we just decide together. We're like our own kind of little Supreme Court. I think we just decide what would we do? No, we wouldn't be this, we wouldn't be like the Supreme Court, we would be like two presidents.

Here's exactly, here's what I propose. Let's see what you think about this idea. I got my own proposal. So let's hear what you got, Hachat. I think our first action in office is joint presidents is to retract the tentacles of the United States military industrial complex from the rest of the world. I'm talking, bring all the soldiers home so that our defense budget can be cut in a tenth, a tenth of what it is, because you still got to build up our we still have to have some defense, but we're not going with the offense is the best defense

anymore. We are attracting our tentacle. We are apologizing to the rest of the world. We are owning up to the mistakes that we've made and we are just getting it out there and saying look, we are so sorry for the way that we have Overstepped and got ours stupid little fingers in every fucking country's cookie jar And we're sorry and we know that we have destabilized countless nations over the years And we're terribly sorry about the mistakes that hey wasn't us okay Wasn't us it was our dads and our grand dads and stuff and they're all dead and It wasn't us, it was our dads and our grand dads and stuff. And they're all dead and we're very sorry about that. And with all of that money that we save

from lowering the defense budget and focusing on what's going on here instead of what's going on everywhere else, we really, really invest in overhauling the education system and make sure that every single kid gets a quality education from teachers who are well paid, well taken care of. No American has to worry about whether or not

they're gonna be bankrupted by a parking ticket or an echo cardiogram. So all of that shit gets taken care of. We rehabilitate those who need rehabilitation, whether that be mental problems, whether that be drug addiction, alcohol addiction, any kind of things like that. We really bolster the services for that

and build facilities and hospitals to take care of those people so that it's not just being forgotten and swept under the rug of society. And- My God, the ghost of FDRs in this- Yeah, and we put caps on on how much you can charge for rent, and we really invest in clean infrastructure. We gotta build up the goddamn public.

Huh? That's okay, you tuckered out a little bit, but you had a lot there lot there tired all of a sudden Those were huge I didn't know you were going that far so I was thinking a lot that can be done Right because we won America won we don't need to be over there anymore We don't need to be over there anymore. We won we won That's it, game over. We did it.

We win everywhere, we beat everybody's asses, and we've got the richest nation in the world. Let's start putting that money to use here in the United States and stop building, we're not sinking any more money into the F-35, okay? As much as I love airplanes, I just don't want it. We don't need it. We can pay for so many school lunches. Okay. Huge. I don't even know how I can compete with that. Go ahead. I don't even know.

I didn't mean to break all the legs. I'm sorry. I couldn't have to break the legs. Go go legs! Sorry. Couldn't have picked this shorter one. I meant to scroll and it was gonna... Gosh. So I was taking it differently. So what is the first thing YouTube would do, right? The first thing. You have a whole vision for everything, but...

We would consummate the marriage. Yeah, we would... Absolutely. Make a mess of the oval office. Yeah, don't take a black light. If you thought it was bad when Clinton was in there, right? Till me and old Betty boy get in there. Yeah. Uh, no. Uh, so first thing. I mean, I'm talking day one. You all right over there. He's all right. We just got in. He's already

breaking stuff. Um, because look realistically, there are a lot of things the president can do. Joe Biden has a lot of power, even though, you know, him and Jen Sackie like to pretend like he doesn't. Uh, number one, canceled student loans. Mm-hmm. Right off the bat. You can do it Biden has a lot of power even though you know him and Jen Sackie like to pretend like he doesn't. Number one, cancel student loans. Right off the bat, you can do it. He has the authority to do it. I'm going to rack up so many student loans before we become president. I think it's the higher education act. He's got the authority to do it. Do it. Just pick up the pen and sign it. You fucking asshole. Uh, what else could he do? Uh, start committing. Can you just get over it? Can you just get over it go next question

do you ever fight yes this no we don't we don't but you drive me crazy we support each other yeah no we don't fight. He drives me nuts. I bust chops. That's about it. No, we never really fight.

Oh, this one, let's see. H. Orch. Oh, orch. Hortch 12. Stanford President here. Can we lay off the roasts? We Stanford Labs are losing listens. No.

No. No. Fuck Stanford forever. Stanford sucks. Fuck every business school. At Falspras, 58, why is Apple stock doing so well right now? Because it's kind of a, it's become its own sort of store of value. It pays a good dividend and everybody buys iPhones and iPads and IMAX and Steve Jobs is ghost is just strong in a live as hell and. And they've got plans.

They're talking about self-driving cars. Yeah, Apple is truly an unstoppable force. Every so often, someone will write up an article about just how much money Apple has and how much they make. They have so much cash. Just not physical cash. Cash means just money. Like how you have cash in your bank account. It's just a digital dollar amount.

They have so much, it's kind of overwhelming at times. And when you factor in how much money they make, I mean, I, I, I, AirPods alone make more revenue than, I don't know how many fucking companies in the S&P have heard it, but they're just, they just prank cash, so that's why it's always,

it's just always doing well. Jacob Bernard, Minard, if you could live a day in one another's body, what would you do? I would get naked and look in the mirror. But crank that sweet hog down as many times as my body could most I would do that thing where you blow your belly out, I don't know how to do it Oh yeah, you just here watch I'll show you

So can this lift up? Anyway, you just push it out Get like a profile view, it's pretty impressive how much you can pop your belly out I think I can do it. You would puff out your belly? I can't do it. You wouldn't look at me naked or anything? No, God no.

Oh man. Well, all right. What's the best part of California? Angus does things. What's the best part of California? I feel like I can answer this as a non-native California. Or you are from here. So you're biased.

Yes. Also, if you are my friend or anyone who knows me listening You can skip ahead because you've probably heard me say this a thousand times I'll I mean I've only lived in LA so I can talk about LA specific LA is I have a lot of problems with LA It's you know, I moved here from Brooklyn and I thought it was gonna be I thought it would be like New York a big fucking city with all the things that cities have. And I weirdly found out that it's just a weird suburb connected by highway system. And it doesn't have any of those great things about a gigantic city, like public transport, walkability, all the...

Trees. Right. Parks, every so often that you can just kind of pop into. And so that was a bummer to me. But there are one of the best things about California? You can't beat the weather even though it is cold here right now, it is quite warm all year round. You can be active.

I probably, you know, I was in decent shape in New York, but you can't beat it in California. I'm active all year round. I can play tennis, pickleball, go climbing, hiking, camping, all year round, surfing, you can go to the beach. I mean, me and you used to go to the beach like, April to November, every fucking weekend. You can do all of that stuff.

It's great. You can't beat it. Ride your bike. Great food. Got great food. Good food and L.A. Good food. But it doesn't.

High taxes are kind of a bummer. We have high taxes and really inept government people who seem to be more focused on being famous and being pandering jerk offs than actually doing things that need to get done. I will also say California is absolutely gorgeous. It's a beautiful place. LA, not so much. LA is kind of discussed. LA on a date.

Like, just let me just like get a little bit. Sorry, go ahead, sorry, sorry. You're right, go. LA is pretty disgusting unless you like the look of a strip mall, like a dirty strip mall, every 10 feet. It's not much to look at. Certain parts of downtown have old parking structures that are just, they're just discussed, they smell of

piss. And they're just LA mostly LA has a California has a really bad homeless problem. And it is, it's difficult to bear witness to. Yes. You are constantly being confronted with suffering that seems like we could alleviate. That's a word that I never hear characterizing it. You're facing suffering. That's what it is. Constantly. It's big time suffering.

It is human suffering. And you're just supposed to, there's nothing you can do about it. And you know, we were joking on the last episode about all these problems we have and I was making fun of people who say you just need to vote. And again California is one of those places it can be extremely frustrating. It is a democratic super majority You those problems all of the problems that we like to talk about exist in really bad ways and you know We have a governor. I think it was one or two fire seasons ago just standing in the In the middle of a burnt out force, being like, we need to hold our people accountable. It's like, buddy, you're the most popular about getting

the powerful person in the state. What do you want us to fucking do? So it can be a quite frustrating place as well. But yeah, I think we hit it. It's a beautiful place with some problems just like everyone else. I could go on. I have a lot of complaints about California, but I won't. Evan Wing, Winniger says, have you ever traded futures? No, I've wanted to, but I haven't. Uh, Nathos Smith says, what billionaires do you think you could beat in a fight, and if you win, you get their money?

Okay, so. Mark Zuckercorn. He's going down. Oh, yeah. Oh, I'm, he's, I would, I would, he'd probably be able to kick my ass. You know what, I do worry that he's got and freak nerd strength. Well, I worry that a lot of them do, they probably have a lot of free time, and they probably

get the best trainers in the world. If I would, we had that thing, what would we do if we were billionaires? I would definitely, I would be in peak physical condition. Yeah. I would, it would be so sick. Yeah. As much, I would want to take on Stan Druckenmiller because I love him as a trader.

I think he's really cool and I like his story. But he's an old fart and I could probably just push him down a flight of stairs and then I get his money. Oh yeah, there's probably a good amount. I mean, let's just start. Bernard Arnold, the that guy, the Warren Buffett. Warren Buffett, Warren Buffett, any one of the Walmart children, they're all old.

The Coke Brothers. Oh, one of them already died. It's just the Coke brother. Yeah, the Coke, Coke brother. I get to the dead one for sure. Or I guess his ex-wife or his widow, whoever that is now. Yeah, George Soros, you could take. or I guess his ex-wife or his widow, whoever that is now. Yeah. George Soros, you could take. Oh yeah. Easily. Fucking Warren Buffett, did I say that?

Warren Buffett, you could use a joke from earlier. Look, Warren, a cherry coke. You know who I think would give me? You're a cherry coke every day. You know who I think would give me trouble? The Winkle Vos twins. They're billionaires? Oh, maybe they're not billionaires. Yeah, they're huge.

They're six foot five and there's two of them. Yes, the social network. Yeah. What is the highest grade both of you climb slash boulder from Garrett, Gareth Mead? My man, Emil here is a good climber. I mean, yeah, but I don't, so in my gym, it was a V6. I mean, I do V6s sometimes, but some people go to gyms and are like, oh, this is how they grade.

So, I mean, I don't know what it equals in your gym, but you're probably better. There are guys who message me and go, but I can, they do everything I do. I bet I could beat you in pickleball, but you're trying to get it, or rise that you're trying to get your attention. You ain't got shit in climbing. Yeah, okay. Well, and I'll be the first to say that I'm not a good climber, but I, before COVID,

I got one or two V4s, and that was it, and they were easy V4s. Before that bad? V4s not bad, V4s getting above the three, which is hard. But, and this is all indoor gym climbing, outdoor gym climbing is way different. It's a Yeah, if you tried to get on a V0 outdoor, I don't know if you'd be able to do. Oh, yeah My fingers would get chewed apart, but they're just much harder. Yeah Nico Esad asks when was the last time you pissed yourself last time you pissed yourself? I actually I last time you pissed yourself. I actually know when it was.

Okay. It was in high school. I played the cross in high school. And we went... Yeah, I know. It's kind of weird to say it now. It feels like a hate crime to say you played the cross in high school. Cross is a tough sport and it's... Yeah.

But so we went down to Disney World for a tournament and Our flight back home got got delayed. We were in the airport all night and We were just I guess I was drinking water and We flew literally in the middle of the night and I was so tired. I got home and I just passed out for so long and I just completely slept through it. Woke up, piss all over the bed. And it was so confusing because that did not. Okay, so this is the story that I alluded to earlier. And if you've stayed with us this long, I hope it will be worth it.

But a couple of years ago, I'm living in New York and I had just quit my job. So I was living at home, or working from home, doing trading, and I was booking a flight with my Singapore Airlines miles. Singapore Airlines, I had converted my American Express points to Singapore Airlines to book this flight. And I needed to call, I needed to call, I needed to call the Singapore Airlines ticketing line

to book this ticket and I had my earbuds in and I'm sitting, I had a really hard wooden chair and so I would sit on a pillow and I had this white pillow that I would sit on and I was in shorts and just with no shirt on who's doing this summer and I'm on hold with the Singapore Airlines guy and I'm sitting there and I got a fart. So I let it out and it was shit and I, yeah, I know, but this is different. This is piss adjacent.

So, so I, I, I, I'm sitting there on hold and oh my God, it was, it felt like so much had come out, even though, you know, it wasn't that much. But I get up to check and it had already immediately soaked through my underwear, my shorts and was on the pillow. I know. And just as I noticed that, I hear click, uh, Mr. God, uh, I think I thought subsies for you. So it looks like we've got some seats available hot this fight out this day blah blah blah and I'm like okay, yeah sure so what what aisle and I'm taking up the pillow and look huh

Well, Mr. Cod You know look at the pillow shit came shit came out as I'm on the phone. Yes It was like look it was a sport is guys scored it out So I just cast the pillow aside, and I think I'll deal with you later I'm throwing you away and I take off my shorts as I'm yeah talking to the guy saying yeah We're looking for an aisle seat and a window seat if you got okay. Yeah sure, mr. Cat Let me see what I've got available for you You know airline people talk on the phone

and I go into the bathroom and I'm like bent over wiping my ass and it just, you know, it's just, it's like a inkblot test between my ass cheeks. And he's asking me questions and I kept up and go, what's that? Mr. Cat, I've got a high old number two with this road two to seat A. That's a high old seat. Is that okay with you?

So he has your wife and then I'm standing there naked just shitty as I threw away the underwear and the pillow but I kept the shorts because you can't throw away good shorts. Yeah, no, of course not. Anyway, so Ben kind of made that question. Oh, oh, oh, oh, you know, this is the perfect use Oh wait, no, it was more like this

Anyway, the final question comes from Will Dennis. Do you think Ben's dead dad could beat Elon in a fight? Thank you so much for this question Will. This means a lot to me. And to answer your question, yeah, my dad could beat Elon in a fight. My dad was like six foot four, probably weighed 220 pounds. That man could, yeah, he could, he could, damn, your dad was 64.

He was a big dude. How tall are you? Six three. You'll never fill your father's shoes. No, he wore a size 16. You'll never fill your father's shoes. He used to have to buy his shoes custom made by like new balance.

You'll never fill your father's shoes. I know. You couldn't buy just size 16s and stores. You had to call up Companies and have them make them for you. Yeah, big size 16. Yeah, fucking jagged 15 or 16. I got 12s 11 and a half 12 to 10 and a half. That's a that's a normal foot. Yeah, well, I can thank my mom for the shitty mediocre bait. That's why you're all You're about to tip over always you're still you're just standing on hooves. That's why I can't grow beard.

I got the pretty boy jeans from mom. I can't grow a beard either. Yeah, well, it's probably overrated. At least we have full heads of hair though. We do. That's, I don't want to. I don't want to. But I don't want to hurt anyone who's,

who's feelings from who's lost their hair. My little brother doesn't have his hair and he's handsome as hell. He can grow a mighty fine beard. I'd be really pissed if I lost my hair. Yeah, me too. I really don't want to lose it. Yeah, let's knock on this.

This isn't wood. So yes, Ben's dad would kick the shit out of Elon Musk. Oh yeah. Yeah. And so would we. Yeah, I would be able to. I'd be able to. All of our girlfriends.

Yeah, I'd be filled with some kind of rage. So I think that's it. That's all of our questions. We just want to say happy new year to everyone. We will see you guys in 2022. Thank you so much for tuning in. This is crazy. You guys are making me and Ben's wildest dreams come true.

This is so fun. And hopefully by this time next year, end of 2022, this podcast is doing so well that we can revisit this very clip. And in fact, I've got a message for future Ben and Amille right now. Hey guys, I hope the year was good. I hope you're both still alive. I hope the podcast is doing great.

And I love you. As long as we're doing messages to our future selves, a meal, I would like to say don't worry about it. Plenty of men have done things with only four fingers. You're not, this is not the end for you. Sure, you took a, you took a bad spill. You had a weird, ask. What are you predicting for yourself? Not predicting, I know. You had a weird. What are you predicting for yourself?

Not predicting. I know you lose a finger. A couple of you. Oh, you say an only four finger. I only got four fingers left. And neither of them is a thumb. Oh, buddy. So look, look on the bright side.

You still sure you did lose your hair. You still go, oh, you got scalped in that weird accident. Is this the same accident or different accident? Different accident, it was a hard year, 20, 20, 20, so it was a real weird one. Just keep up, pal. And Ben, you're doing great, buddy. Keep it up. Enjoy your fingers in, you're doing great, buddy. Keep it up.

Enjoy your fingers in here. That's it for me. Bye, guys. Happy New Year. Thank you.