The Uneducated PT Podcast - Ep. 164 Does Money Change you or reveal you?

Episode Date: June 18, 2026

Back with the boys chatting about the psychology of money. 

Would you be happy if you won the lotto? Yes. I'd be more, I'd be less stressed. I don't know if I'd be happy. I don't know about less stress because I already have four or five businesses in my head that I'd open with the lotto. I wouldn't retire and fuck off.

I already know how I'd be investing that money straight off to that. Do you both, would you both say that you have good money habits? No. Rob would you say you have good money habits habits? Money habits. Life overall with life, yes. The last six to eight months have been quite crippling

so no. Both of you say you have poor money habits. I want to take on his fucking point there. I think going to fucking Bali and living a bit of time in New Zealand isn't a bad money habit. Well, no, you can do both them things with good money habits and bad money habits.

Yeah, yeah, But I'm wondering, is that what he's relating to a bad money habit going off and doing that? No, that's a good point. I think it's put me in a tricky financial position. It's not been a waste or anything. But yeah, no. Okay, okay, right. So both of you agree that you have money habits that aren't optimal that you would like them to be.

Currently not sustainable. Okay. I'm a boozy bitch. I like buying myself things. So if both of you have poor money habits, why do you think more money habits? why do you think more money would solve that problem? Because then I wouldn't be thinking about where money's coming from. I just continue.

I continue doing what I do without having to worry about it. I think that's it. I'd be less worried about stuff, but I'd still be stressed because I'd still want to do stuff and not know how to do it. Okay, I'm going to read out two stories. Okay, so one is from Kaylee Rogers, all right? So in 2003, she was only 16 years old.

And she was working in a supermarket in England. And overnight, she won 1.87 million at 16. And basically, that was like ideal scenario. You're 16 years of age. You have 1.8 million on the bank copy days. And she obviously spent her money on luxury holidays, cars, designer clothes, cosmetic surgery. And but eventually what happened then is like the party started. started to become constant. She started getting into drugs very heavily. She had a cocaine addiction.

Her friends started treating her differently. Her family members constantly were asking her for money. Her relationships started to not feel real anymore. She lost structure. She had no reason to work. She had no purpose. She had no long-term goals. And overnight, her mental health collapse. She had depression. She had multiple suicide attempts. And she later publicly, announced that winning the Lotto nearly destroyed her life. And then she ended up spending everything and ended up going working ordinary jobs again. To me, there was an issue in the first place that didn't get back. She's 16 as well.

That's what I just suggested to you, did I not? Yeah, I would like, I look at it this differently. One, I've done a lot of those, done a lot of those things, so I wouldn't be doing them now. So I'm not worried about going off the rails. I can do that when I want. That's not going to make a difference. The friends one I found interest in family looking for money. I heard someone a couple of years back say,

if you won the lotto, you know you've won a big sum, you should contact the people you consider your nearest and dearest. And ask them, can they give you like a grand? Say you're really fucking stuck and Joe, you really need it. Obviously, if they can't do it, they can't.

but you'll know by the way they respond to you what they're like and that's how you can judge who's safe to have around. How can you say that because someone could give you a hundred quid and that could be the equivalent to a grant to someone else. Yeah, but then

like that tells you a lot about them as well. If they're willing to get like if a hundred euros is a lot of money to them right now and they're willing to give it to you, you know they're going to have your back. But do you not think that the point of gifts is not, if you're giving someone a gift, like, there shouldn't be a, in the back of your head, I'm giving you this now you owe me. This has like, uh, uh, that this isn't giving someone

a gift. This is asking for a favor to bail you out. Like, I know if I won the lotto, I would bring people on trips and holidays. Like, I'd be silly with my money with everyone else too. But I would have, like, you're one talking about going on loads. the holidays and stuff. I already know at 1.8 million, I'd have my big gym built and my pub. Here's a question for you then, Jay, right? So, listening to what you listened to just there, right,

in terms of, okay, money didn't change the person that changed her outcomes, but it actually just increased her problems. Do you think, let's say you won two million tomorrow, do you think it would improve you or experience? expose who you already are. And is that a net positive or a net negative? Ooh.

I don't think it would improve who I am. And it exposing me, I think I'm at a different stage in my life. And you said this 10 years ago. That's fair. If it was 10, 12 years ago, I'd probably fuck up my life of it. You know, I could see that.

It's different now. Like, I'm 36 years old. I already know I'm I'm investing that money so I can go have fun. Yeah. But I'll do the smart thing first. It's like comparing a 36 year old to a 16 year old. It just isn't the same anymore. Yeah.

That's very true. Like getting it at different stages of your life. But it's not because you're either 16 or 36. It's because of the work that you've done in between that time. Yeah. So, but like that's why I say if you, if you came at me when I was 24, 25 with that money, I'd probably lean more to what she did. Yeah.

Then do the investing thing. What about you, Rob? Do you think money would improve you or expose who you already are? I'd want to have a discussion with someone that said money would improve them as a person. I think it is probably a catalyst for... if you're already on a trajectory, it's a catalyst to getting you there quicker, whatever that trajectory might have been,

whether it's that girl, party and Botox, whatever she's doing to not necessarily improve her mental health, but the stuff that seems important at the time, she's getting there quicker. And that's why she probably felt a bit of overwhelm. Jir has an idea of, like, gym, pub, things, like that's his trajectory at the minute.

It's going to get him there quicker, potentially, but the cracks will show that are currently there that haven't been lined out if you try and jump to that too quickly. If you use it sensibly, which I think, I'm sure Joe would. I don't think you was. No, no, no, slow down there.

Sorry, go ahead, Rob. I'd definitely take a pocket of money and put it aside for the shenanigans. I think it's something that would definitely amplify or like project who you are a little bit quicker but also I don't know where I was going

with that second point Do you think you would change the relationships that you have with people? Yes. Yeah. Do you think that's a good thing or a bad thing? Both. Yeah.

I think good thing you'll truly learn who your people are. Who's there who's there for you regardless of what situation you're in or who's there for what you can give them. Well, do you not think that psychologically

it might impact your outlook on the relationships you have? This person is... Yes, absolutely. Yeah. Yeah. Someone said it to me. Someone said it to me recently. A friend was home and they were talking about dating life.

And then one of them, one of the lads wives is like, well, like, you'll have to be, you'll have to be sensible and stuff because, like, you have a lot of assets and stuff now the business and the house and thing and I was like oh great I wasn't worried about enough things

already now I have to fucking add in that I was like fantastic so like yeah that played back in my mind for a while after that when she made that comment didn't think about so if you're there sitting on fucking two mill

you are gonna you are gonna wonder about people do you think psychologically were built to handle like sudden wealth. Like someone just like tomorrow.

Like right now you're just doing your thing. You're building your business. You're trying to like survive your life. And then tomorrow you just win 200 mil in the lot of. Did you say 200? Yeah. I've escalated further. I've opened it.

I've opened it. Okay. Well, I can tell you right now, I've, I've already brought the idea of like a that's a euro millions win, right? That's a huge fucking win. Yeah. I'm putting in place investments. I want to do

and I'm fucking off for three months and whatever happens happens that's that kind of money I already know that sounds that sounds like the cracks will start the show if you have 200 mill

and you're like you have 200 mil and now you're just like I'm just going to head off for three months well I look I look at this way I built my business

on the back of wanting a place that made people comfortable like I would have wanted so I'd like to do that in a larger scale. Don't pub, restaurant, calf, all that stuff.

Do you think, right, 200 mil now, you basically, everything that you've built or pursued over the last 10 years essentially just goes away now. I've had clients talk about

winning the ladder and they're like, oh, fuck off, you just retire. And I was like, I wouldn't be able to because one, I know what could end up happening

if I just did nothing with that amount of money. that's the I'm fully aware 200 mils solves every single problem that you have like you're not you're not building anything you're just buying it it solves it solves financial issues

it solves expansion or purchasing of things you want to do it doesn't solve anything going on in your fucking noggin do you think it perpetuates that well it probably means I could pay for therapy twice a week rather than once a week 10 times a week

Or having to live in therapy You could literally have You could have your therapist walking around and have to do that, yeah Stop me from doing things Yeah Do you think Rob that too much freedom Is actually dangerous

Yeah Well, yeah Yeah It opens up to danger Like more so It doesn't necessarily mean it is dangerous Just depends on how How structured

If you're free to do Anything you want At any point Do you not think that becomes a problematic issue. It provides you with the opportunity to do something

dangerous. It doesn't necessarily mean you will do something dangerous. Like if you've got cracks showing there already, yeah, you might go on a vendor and cause issues and it does expose you to... Do you not think that as a flawed human that you have cracks that could be shown

through 200 million? I'd like to in my brain I've gone I'm putting that in bank accounts or a bank account and I'm living off the interest. And I'm just like breezing through life. And if something comes up, but then if that situation happened,

going back to your question about, are we built for that kind of change? I don't think we are. Usually the thing that we are biologically, I don't know this for sure, I don't quote me, but the things that we are biologically designed to react to significant change-wise

is threat, like danger, like something waking you up in the middle of the night that's going to kill you, you get your adrenaline, you rush off. So I think changes like that that are significantly good will potentially trigger like survival warning states and maybe would direct that negatively. I don't know. Short answer, I think it would show a lot of cracks for me personally and I don't think many human beings are designed to get that kind of money.

I don't think any human beings. I don't care how much. self-development or self-enlightment you think you have. There's no perfect human, so therefore, there's no way that cracks won't be shown. I also don't think money is something that's getting in the way of me doing things that will ruin my life. Mm-hmm. What do you think they could enhance them? It might test you, but like, I have the ability to go out and ruin my life now if I want to.

Money isn't holding me back. Yeah, well, that's the whole point. so you already have the ability to ruin your life, does more money around that, not just, you know, put a, put a flame trower instead of a match.

I think, I think it will test it. I think it will, I'd like to believe with me that like, I know my, I know my problems, I know my flaws. I know money will potentially give me that

opportunity to ruin things, but I could do it now with little money. I think I'd be able to use the money to put, things in place to help me. Let me, let me rebuttal your argument because what you're, what you're talking about now is how money could ruin you from the inside out. So you're talking about your own characteristics, your own traits, your own flaws, correct?

Yeah. And substance abuse. Yeah, but, but all this is, it's, all this, all this, uh, suggests the, the behavior is, is intrinsic, right? It's, it's from, it's from you that you can, you can rule a good thing yourself, basically. Well, I want to talk to you about, so Jack Whitaker is another example, right? So this man won 350 million. And then he said he wished he tore up his tickets.

So in 2002, he wins 350 million, the 350 million powerball, one of the biggest jackpots in US history. Now, Jack wasn't poor. He owned a successful construction business. He already had money. But once the world knew he had hundreds of millions, that's when chaos started to begin. Strangers constantly approached him. ask him for money. People sued him, sued his company. Teave stole hundreds of thousands of dollars from him. He became extremely paranoid. Family relationships began to deteriorate. And then his granddaughter,

who we love deeply, began living surrounded by excess money and developed severe drug problems. Eventually she died from an overdose. The family started collapsing around him. More addiction, more tragedy, more chaos. Years later, he said, I wish I had torn up the ticket. Yeah, like, don't know, that's a side fucking story. But you're going to paint everyone with the same brush that'll happen to everyone. Well, no, I'm not, but I'm saying so, so first of all, you feel that, yeah, you could destroy yourself within from winning the money because you could just go on an absolute rampage bender, which is very highly likely to happen or other ways. But also, externally, it could destroy your life. I'm not denying it has the possibility. So you're saying that I would just open a gym or I'd open 10 gyms.

Yeah, I don't think I don't. But you know what I mean? I would like to invest in it because like their little, their ideas I've had before that I like literally money is standing in the way of doing those things. Restaurants, pub, big gym. This lad worked in construction and he was constantly being sued. he was getting debt threats people were trying to

kidnap his daughter and stuff like that his then his daughter ended up with an addiction so like a lot of it can be external factors then from the attention of winning that type of money I know I know someone said something about like you might be fine but think about like that

your family like someone trying to kidnap your parents or you know something like that and like obviously like there's your you're never going to know what the situation is like that is. I think I joked and I said, I'd just give my parents a black card and tell them to fuck off somewhere

and live a happy life. Yeah, but also that's another thing. And there's another story of someone actually winning the lotto. And because they won the lot out, they, excuse me, sorry, my hay fever is acting up. Because they won the lot of, they end up moving to a, like, a bougie estate in Malibu or wherever it is. and then they realized they had nothing to do

and they had no community and they had no structure and they had no routine and they became depressed. So again, it sees these hidden, these unintended consequences that people don't factor in.

It's when you're trying to make too much of a contrasted lifestyle for yourself. Like if you, that's kind of where I was going with. I think I'm aware of those significant changes been pretty bad for you. So I would like to think I wouldn't advertise that I'd won that money. I would put it somewhere or invest it in something. I wouldn't do too much to begin with to make it too obvious that I'd gain money. But there would be signs. I was waiting for that.

There would be signs. There would probably be signs. I would actually be working and doing something to with my coaching. Yeah, I think when you're trying to change your lifestyle up so much like from somewhere in Somerset to go into Malibu or somewhere like that I think you're asking for trouble because you've got none of your stability around you you've got none of your usual and if you advertise that you've got so much money people are yeah people are going to approach you like I'd just keep it quiet I just find it funny that

every single human on the planet has the same reaction that oh yeah these are the issues that come up but it wouldn't happen to me because I'll know better when the time comes when it happens to me. Well, like, when I say, if you, if you won all that money, would you like to go move to some boozy place with loads of bougie people? You're probably more inclined to buy a fucking island with dogs and go travelling and see all the places you want to go. I'm self-destructive by nature, so I wouldn't, I know I wouldn't be able to handle it. there's a reason why we all like each other so it's not like we don't know

we're all self-destructive I'm fucking aware of it like as much as I would love for someone to just give me 250 mil I would love that like in many many ways I know or I think I know

that it would destroy me I would say you could also you could also try to be smart about it I'd probably hire someone like my brother who works in finance and be like you control the money and just give you

mean allowance. They're not just destroy his life though because he would end up going I can skim off the top of what he's got. You say that right, you say that but that's why I asked at the very start about money habits because,

all right, if your money habits right now aren't conducive to, let's say, yeah, you stick to your monthly budget and you never go over it. If you're going over a monthly budget now

or you're kind of overspending now, you know, making what you make, why would the problem not just be enhanced with more money? Do you know, you always hear that you can't take it with you. So like if I want to go out for a meal or I want to have a couple of extra drinks or I want to buy the nice... You just prove my point. I literally have that mindset.

I'm okay with it. Yeah, I know you are. I'm fucking fine with it. It just means I'd be able to do all the things I want to do and still fucking have fun. I don't think it's in me. to like ruin my life in the way I think I could with that money. And I know it's the party side of it. I just don't think I have that fucking side there anymore.

I think you can ruin your life with more money that doesn't have to be associated with going on a bender. I think there's plenty of different ways you could do that. Not arguing that, but that's the one I'm worried about. I feel you'd be chasing around women that you fall in love with it and buy them like 100 million handbags or something like that. No, I know. At that point, man, you're just going to go to the likes of Amsterdam and pay for 10 of them

to follow you around. There you go. You've already... If you're going to get the fantasy, at least you might as well know you're buying it. You'll destroy yourself that way. You'll destroy yourself that way, I'd say. Rob can pay for lessons that I have to talk to women. Yeah.

Rob, here's a question for you. Do you think struggle? and being do you think financially struggling provides some structure that we don't appreciate? Sure answer, yes, it can do. But you don't want to hear it?

No, I think it's been good for me over the last few months to have that kind of financial pressure to try and make some things happen. and to appreciate how comfortable I was before when I was working regularly and had that income and was just splashing it here and there. And I think now it's kind of, yeah,

giving me the appreciation that I did have that comfortable lifestyle at that point. And I don't know, I guess it depends on where you are mentally. If you then come across that financial struggle and you're not in a very good mental space, it can be quite crippling. So I think it just depends on what kind of mindset you're in before that happens. Like with gaining loads of money, losing loads of money if you're not in a good headspace and you've not got good thought processes going on.

It's not ideal. But do you think even if you do, you are in a good headspace and you do, like you are doing all the things, right? Right, yeah. Like, let's say you, you're doing all the things that you should be doing. You're training. You're looking after your mental health. and all that stuff.

But do you not think that unlimited abundance still makes people reckless? Yeah. Do you think it would make you reckless? Of course it would count. Like,

I'm going to, but you would still take the 250 mill? Yeah, of course it's fucking would. Like, it's the thing is, I've no doubt. Do you think it would improve,

do you think it would improve the quality of your life? No, because like I do, like, I can put my hand up. You still take it? Yeah.

probably would like uh like it's it's it's it's not just black and white like someone someone says you can have it's great if someone says you can have 250 million no no i think that might ruin my life i'm okay thank you very much fuck off if someone turns around and tells you you can have that or you win the lot you're taking it you're not ripping up no lotto ticket but like i've no doubt there's lots of good things I could do with that money. I also know there's things I'll do that won't help me with that money. I do like that I am

a privileged white boy, right? I can fucking put my hands up there. I do like the idea of earning my own money. So like getting that money and being able to invest in those businesses, I still won't feel like I earned that. So you'll constantly chase that.

I won't stop with the one gym, the one pub. It'll have, so that's what I don't like about, earning winning that money I won't have earned the thing that I dream about doing yeah what do you think is the magic number

to earn every year enough what's enough enough to pay your bills cover your ass and just have a bit of fun what does that look like do you think

what in terms of the having enough like in terms of the actual number yeah or in terms of the life i don't know i'd say 30 35 maybe you think 35 000 a year i guess an all right amount i think a little bit more would be good but 35 000 a year do you think i think if two people in a household then that each if you're in a relationship for example and then you had a nice an all right house comfortable place what what let's say a mortgage is what let's say 1,600 a month

If you want to If you want to like if you look at houses around here Going for 800 35K is barely minimum wage I'm talking pounds remember Your euro aren't you Euro yeah still still What's it like 44

I don't know So do you want to know the studies on this So 2010 I'm saying I'm saying 75 Oh right you know this study No But that's a number I have in my head. Yeah.

So the famous 75,000 American dollars happiness limit. So Daniel Kahnerman and Agnes Daiton maybe published a massive study in 2010. They looked at data from roughly 450,000 Americans and they separated happiness into two completely different categories. Distinction is incredibly important. So category one was emotional well-being. This means how you feel. feel day to day questions like are you stressed do you feel anxious are you enjoying your day were you worried where you sad so your your everyday um lived experience and then category two is

life evaluation so how you're judged overall so do you think you're successful are you satisfied with your life have you achieved something meaningful do you compare yourself to others and then what they discovered was that people got happier up until 75,000 per year So roughly around J.Js. So roughly around 110K today adjusted for inflation. So actually it's gone up 110K you need to earn a year. Up until that more money significantly reduced suffering. Why?

Because money reduces daily paying. Rent, stress, death, medical bills, childcare, food insecurity, job insecurity. So happiness rises quickly. but then after around 75k, 110K today, day-to-day happiness stopped increasing much. People were no longer feeling significantly better emotionally. People kept rating their life more positively, meaning a millionaire might say my life is more successful,

but they were not necessarily feeling happier on a Tuesday afternoon. So research concluded, money buys comfort and security, eventually it stops improving emotional happiness. I suppose how you're getting that money is another thing. Like if you're earning up over 110, 120 grand a year, it's what you have to do to earn that. So like if you're, if you have a family, it's how long are you in the office, John, are you on,

do you have your phone in your pocket that like you might get called for something when you're meant to spend a time with your family. Do you have to go away on lots of work trips? Yeah. And don't like, are you actually having a good quality of life versus the whole

you just get all that money? Yeah. And you have that over a certain period of time. Like I think someone said to me it was if you won that money would you go out and like buy yourself the likes of a Ferrari or a Lamborghini or something of that? And I was like,

if I got one of those cars in the morning from someone, one, I would sell it and get a big camper van to go touring around. Yeah. It's not, there's, I fully appreciate that I would spend my money on lots of boozy things I like, but like, I'd use it to enhance the quality of my life. Yeah. Seeing the world, food, fucking time with friends and family, um, fun. But could you not do all them things now?

I can but I'd like a fucking decked out Mercedes sprinter, Carl, John. But what's the, what's, is it not the, uh, the, what is it called the sedonic treadmill? Is it the, had not, no, sorry, the hedonic treadmill where it's like you, let's say you buy that Mercedes and then, you know, you, you have a dopamine fix for a couple of days. And then after, it's like any car you buy, after three months, it's just your car then. Yeah. like I'm it's it's also just looking at the thing like if I if I just take that van for the purpose of it it's traveling around two different places using that like I have an image of one in my head I'd also like a fucking motorbike I'd like other stuff as well these is like it's boys in their toys

that's what I know I'd buy all these toys you've ruined them in Bali you want to bike now yeah man Bali ruined me I like I've been looking at the bike license the last couple of weeks like yeah but do you know the was what's stopping you from doing that now? Well, I'd like to buy my van before I go buy a bike. What do you think, Rob? Why do I not have a van or a bike?

No, why? Do you think that like 110K a year, do you think that would satisfy all your wants and needs? I don't have a reason to say no. I think it would, yeah, it would give me a very comfortable lifestyle. I'd be very fucking happy with that. Yeah.

Like just said, it depends on how much I had to do for it. If I was doing nothing for that, then I'd be... It would be better. But if I was doing... If I was working like seven days a week, constantly looking at my phone to do work and stuff to earn that amount, no, I wouldn't take that.

I'd want much less. It's what we do now without making that money. what question if I just got given it I don't think I I mean if I got given 100k now I'd take it

but if I got given 100k a year for doing nothing then I don't know that's a big distinction though isn't it that you're saying

like you're you literally just said so there's a difference between getting 100k a year for doing nothing and 100k a year for doing something what's the distinction there

one you're just being handed up to do after doing fuck out why is that important because like to earn up over 90, 100 grand there's a huge like amount of time that has to be put in to earn that money. Yeah. Like so.

Well, because that's time you're not living. So like it all depends if you have a family. Are you single? You know, what do you have going on in your life that if you are working seven days a week to make a hundred and we'll say 120 grand in a year by the way

compared to someone just turning around tomorrow and going here's 100k you don't have to do anything for it and you have it right now it's not a whole year of working seven days a week towards it it's just go live your life and there's a giant full year salary

but why is that important what's the distinction well for me it would be the fact that I would have free time to enjoy it

in a certain way so you would rather just be given a hundred k a rather than earn it hmm I don't know if I'd rather

I don't think I'd rather be given it than earn it I do like the idea of earning it but I think they're two like they are two very different situations yeah they are yeah

it doesn't mean I'm going to turn around tomorrow if someone offered me 100K to do nothing I would say no no no no I wouldn't enjoy that okay let me let me give you two alternatives then okay so you are offered 100K a year for the rest of your life

but you can't do anything to earn it versus you have the potential to earn 100k a year, but it's not guaranteed, but you have to earn it yourself. And you have the next 40 years to pick one decision, which one is it going to be? You say I get 100K a year, but I can't do anything that gives me that money.

Like work. Financial investment, work, time for money. and I volunteer or like provide services for free that weren't related to it as long as you're not getting money back from no you're doing what I'm not allowed I just got to live my lifestyle of going to the cafe gym whatever okay you can you're you can have your hobbies you can do whatever you want with your money but nothing that will give you more money exactly 100k wouldn't be enough for that you would just 100k a year Rob

Yeah, but you're not spent, like everyone, most people spend a significant amount of their time. Hold on. I mean ago you were saying that 30K, a year is enough for you. Now you're saying, oh, 100K isn't enough for you? Like, which one is it? And you don't, and you have free time. That's the point. You'd hear the distinction. So 35K a year, when you're working eight hours a day for the majority of the weeks of the year, you've only got a small window with opportunity to spend money whereas if you've got no work

you've given 100K for the year you have all of the year to spend money so you're saying because you have an extra eight hours a day because you're not working that you're going to spend an extra 70k a year that sounds like a money a money habit issue more than anything what are you going to do just sit around for eight hours

and spend no money but like you can still Well, this is my, this is the internal question that you're being asked. It's like, are you given 100k a year, but you can't work and you can't, you don't have the opportunity to earn money? Or are you going to grind it out for the rest of your life with the potential to earn that money? I can tell you right now, I am going to take the 100k a year. I'd tell you other. You'd take it too?

No, I'd do the other option. You grind it out? Right. Well, I'll come visit you at work. no you're not allowed to because that would be too close to you no no no as long as I don't give you anything it's perfectly fucking fine I'll just be there burning fucking euros outside

yeah I don't know I do I do feel like that X-ray hours a day like constantly throughout the year to spend that money you'd easily get 300k surely or you just go to Bali for a year that sounds like a huge you sound like what are you gonna spend what what what are you gonna is let's say you're getting

100k a year right okay now let's say let's say what's the difference like you've a hundred k a year what are you going to be spending it on in that eight hours that if you were like to say working on an office for eight hours you wouldn't be spending on that you couldn't spend it outside of that eight hours hookers and cocaine that's where all his money will go 100 k a year is like like it's it's a decent it's a great it's a decent living but like again you're still going have to be money smart and you can't work now And you've no purpose. Hold on.

How much, how much is 100K to spend across a day a year? I mean, 100K year, let's say, you have a,

you have a decent mortgage, you have a decent mortgage of like 1,600, 1,400. Is it like 3,000? Have I made that up? 100 grand across 365 days.

300, 3,000 a day, I think. 3,000 a day, Probably less. I'll take 100k a year, please. I don't want to do it.

If I spend 3K a day, I don't think I'd fucking survive me a year. You're not spending 3K a day because you're looking at

rent, you're looking at food, you're looking at electricity bills, you're looking at petrol, you're looking at car loan. We're not, okay, yeah, yeah, but I'm saying, if one day a month,

if one or two days a month you put your money away, you had 6K to pay your bills. A lads, 100k a year is... 3008 for a month. 100k a year is fuck all in this in this economy. I think that depends how you live.

Yeah, but you have... What are you going to... Are you living in the shoebox? No, but like, how much money are you going to spend in? This is a guy who wants to live out in a cabin in the fucking woods. Yeah, the cabin in the woods is expensive.

It depends where you put it. Yeah, fair. Fair. It wasn't a day a day, by the way, just to... How much is it? It's nearly 400 a day. So it's divided... I'm going to ask his a question, then.

I'm going to ask his boat a question. So I'll start with Rob. So what does enough actually mean to you? There is no... There is no direct answer to that, really. It's too... Maybe an indirect answer. It depends.

I think to be able to... afford a place to live that you're... Security? Yeah, security. Like shelter, security. What else? Being able to more often than not just go, yeah, let's do that.

That sounds good. Not like too much of an extreme, but you don't have to constantly feel that panic of, oh, your friend wants to go out for dinner on the weekend, or your friend wants to go to this festival for the weekend. you don't spend too much time going, what do I have to sacrifice to do that? So a little bit of pleasure, leisure, whatever you want to call it.

Companies. When you said company? Yeah, just. So what does enough mean to you? How do you know when you're there? I don't think I would. I think it would just be comfort. I think to not have too many stresses, that would be it.

But then it's so easy to be in a position where you happen. What does comfort look like for you? Because comfort for someone could be living in their one bed flat, lying on their sofa and for someone else, they could be earning 500 mill a year. True, true. But is that comfortable to any human being, earning 5 million a year?

Comfort to me would be safe space, not too many leaks in the house possibly a partner that also you can do stuff with everyone's going dark on my screen for some reason I'll be deflecting yeah yeah

sounded like you wanted to buy a partner what was our what was the sex spot called from last week Nadia? No no Nadia or something like that he wants Andrea

Andrea I don't know. Okay, so, Ger, what does enough look like for you? Keep a roof over my head, have enough for like a rainy day medical kind of fucking stuff. So, possibility to support a family, be able to go out for nice dinner. And also, like, from time to time, three people around me. Yeah. I do like doing that.

it's like I fully am I don't want to take my fucking money with me so I just want to fucking mess with it you're a giver yeah as your as your ex-romantic relationships

you would say yeah yeah well they take um oh fuck okay right so let me let me flip the question

because you both said that you wouldn't work but you would take a hundred grand a year. Would you rather have unlimited money but no freedom or average money with total control over your time? The second option. Yeah.

Okay. Yeah. Just be given loads of money but told what to do. Although it's quite nice to have a bit of structure and know what you're what's expected of you every day. I love the variance. It's like, do you know, I don't want to be trapped but it's nice to have a bit of a routine.

well is that not that's i think that's pretty much true though i know but like yeah huge amounts of money but like not being in control of your life is not yeah it's gonna be fun you have no control of your life no total total freedom like is essentially a trap in itself is it not yeah yeah i'm gonna say yes i don't want to agree with you but i kind do yeah i just feel like you're ruining my dream of winning a lot of money yeah well that's the whole point because everyone will say straight away that they want to win the lotto. Just remember that when I don't buy you a gift. Well, I don't, I don't think anyone ever thinks of the unintended consequences of winning

the lotto. And obviously, if you're, if you win extreme, you probably lose extreme as well, because there has to be a, a swing to that, to this. Yeah. Well, that's, that's, that's, that's, that's, that's it then. That's, that's it. So we don't want money. We don't want money anymore.

You don't want money. You don't want money. this. I want to just want to live on my own somewhere with dogs. Do you think that if you won

a hundred mill you'd still be doing this podcast? I would because I'd have loads of free time to do it but you'd have to you'd have to do it

on my schedule. Do you think you'd ever do you think you'd ever invest at a better camera? Of course. It'd be like you'd be silly

like I'd have a full fucking studio set up. Probably have a cameraman to get me a different angles just because I can Carl, because I can. Right. So that's the psychology of money.

I just wanted to test us on it basically. And he's failed flying colors. What are the correct answers? What should we be the teacher? I don't know. I don't know if there was a correct. I don't know if there is a correct answer. Well, I don't know. He just didn't give it anyways.

I, do I have to propose, this is what I'm happy to fail. Yeah, fair enough. All right, folks. We'll leave it until the next time. We should have a special guest next week.