On today's episode of Money Monday, the guys talk about Halloween costumes, NBA free agency, and much much more. Also, FedReacts reacts to the NBA All-Star Weekend, and we react to the new music video for A$AP Rocky's new song "Sneakkae". We also talk about the NBA Free Agency scandal, the NBA Draft, and more! Money Monday is a weekly sports podcast hosted by , , and . Produced and Edited by and Featuring: & Hosted By: ) Music by: . . . Art Credit: , . . , . , and . Music written and produced by: , , , . , & . Additional Compositions by . We are live on all major streaming platforms. Thank you so much for listening to Money Monday! Thank you to everyone who sent in questions, suggestions, and support, and our sponsors! We appreciate it greatly! Have a great week! Stay tuned for our next episode next Monday with more Money Monday and we'll see you next Tuesday! XOXO, Money Monday!! - The Fresh Fellas! Cheers! - Cheers, EJ & The Fresh Fit Fit Fit & Fit, CHEERS! (featuring: - FreshFit, Mr. Popcorn Talk, & Mr. Falron ( ) & the Fresh Fit Crew! , the FreshFit Crew , The FreshFit Club, and The Fresh To Fit Fit and Fit Fit Crew, and Mr. Peece, and the Freshie Club, , Cheers. - Thank you! - :) ... and much more! - Thank You, Cheers:) - Yours Truly, - - EJ, Chacho, Myself, Chigga, The Freshie, Myles, and Myles & Myles and Mykawee, Chacho & Myron, the Fresh, Myron and Myron the Poor, and Chacho. , Myron & Myrita, and , etc. (Chacho, Jr., Thank You! - Chacho and Mylori, etc., - And so much more... - CHEERING, CHOLLY, Chasity,
00:12:17.000Apparently there was someone in the music video that had been involved in a murder for hire prior...
00:12:22.000To what happened so I was trying to find them in the music video and Like YouTube took the video down, so it's up on rumble It's actually up on our fresh to fit page.
00:12:31.000I don't our YouTube guy like our manager He messed up you put it on the fresh to fit rumble page instead of the Fed reacts.
00:14:10.000For you guys, you can learn some advice from us and our past mistakes as well.
00:14:15.000And this is what happens, today's topic is going to be five mistakes you can make to destroy your success on the road to, also on your journey.
00:14:30.000It means you try to get through with drinks, drugs, and also activities to either escape your current lifestyle or the issues you have in life.
00:14:38.000Which could mean it's just you trying to escape, like...
00:14:40.000You choose at home or maybe with your girlfriend.
00:14:43.000Whatever that may be, you use drugs and alcohol to kind of escape it.
00:14:46.000So, for example, you finish work, you go to your happy hour bar, you drink some more with your friends at a pub, and then from there, you drink some more before you go to sleep.
00:14:54.000And you kind of forget what happened that day and reset.
00:15:43.000Now, mind you, if you're on your way up, getting yourself in order, you're working a regular job, let's say you're making like $2,000, $3,000.
00:15:48.000That's already like a third year income gone on just luxuries that take away from your success and your mental clarity.
00:15:55.000So over time, you're spending money on drugs and liquor.
00:16:25.000If you're smoking weed, drinking alcohol, doing hard drugs, even recreational drugs at the club every couple of weeks, it really isn't worth it, man.
00:16:35.000It's a complete L. Absolutely, it's a complete L. Now, I know what some people do is like, oh, well, I drink.
00:16:44.000Look, man, if you really want to become the best version of yourself, you need to abstain from alcohol for long periods of time.
00:16:51.000I'm talking at least six months at a time, right?
00:16:53.000Because the thing with getting your stuff together is it's kind of like momentum-based.
00:16:58.000And when I mean momentum-based, I mean as in you need to be doing the right things over and over again.
00:17:03.000For a good amount of time for things to actually change.
00:17:06.000It's not just, oh yeah, I'm gonna do one day where I'm super productive.
00:17:10.000No, you gotta be super productive for multiple days in a row, multiple weeks in a row, multiple months in a row, and then that will actually lead to some verifiable change.
00:17:19.000But if you're just like, oh yeah, I'm gonna work really hard Monday through Friday, and then Saturday, Sunday comes around, and I drink, and I get super fucking wasted, then I start back up on Monday.
00:17:29.000Well, you just wasted an entire week of being productive.
00:17:32.000One day of drinking can easily undo a week or two of training really hard in the gym or going hard with your diet or whatever else it is.
00:17:41.000So you need to actually make that change and stick to it for a significant amount of time.
00:17:45.000You gotta be super consistent for a long period of time to actually see any real change.
00:17:58.000You guys are not, you know, pretty girls where you can go ahead and coast on your looks and just kind of get invited to a party here or get certain opportunities given to you there because of the way that you look or that you have a set of boobs.
00:18:11.000You have to fight for every single scrap that you get as a guy.
00:18:15.000The worst thing you can do is put yourself in a situation where you have a disadvantage for no fucking reason.
00:18:21.000You're handicapping yourself for no reason in life, right?
00:18:25.000If I told a girl, right, hey look, we're inviting you to this party, Drake and Future and a bunch of other A-list celebrities, Leonardo DiCaprio, you know, etc., they're all going to be there, right?
00:18:38.000You think that girl's gonna show up in sweatpants and not showered and her hair all fucked up?
00:18:45.000She's gonna show up in her best dress, makeup, hair done, etc.
00:18:50.000She's gonna look the best that she can.
00:18:52.000Because she knows that I'm gonna be in an environment, in a sexual marketplace where there's higher status men, there's a lot of attractive girls, and I need to be able to compete.
00:19:06.000Guys, by you sitting there and saying, oh yeah, I'm gonna go ahead and smoke weed and do drugs, that's equivalent to a girl showing up to a party like that with sweatpants, fucked up hair, stinking, didn't shower, none of that stuff.
00:19:21.000Like, you're putting yourself at a disadvantage for no fucking reason.
00:21:06.000Plenty of successful people smoke weed.
00:21:08.000See, this is what idiots like you say to cope for the fact that you're a fucking moron, right?
00:21:15.000When you're building something up, the last thing you can afford to have is distractions or things that are gonna inhibit you from getting to where you need to go, okay?
00:21:24.000You're talking about people that have already fucking made it.
00:21:26.000Once you make it, you want to have some fucking weed and smoking on a show to look cool or whatever?
00:23:25.000All you guys do is sit there and cry and complain about why you're not successful, and then I go ahead and figure out why you're not successful.
00:23:31.000It's because you do stupid shit like that that distracts you.
00:23:45.000You guys will work harder to be a lazy piece of fucking shit than abstaining from the very activity that puts you in the negative predicament that you're fucking in, you stupid fuck.
00:27:21.000And before you know it, you spend all the money and time, and she's gone.
00:27:26.000Versus, you get the skill, trade, the success in that endeavor that you want to do, aka real estate, aka e-commerce, whatever that may be.
00:27:33.000That goes a long way to your future and it stays with you.
00:27:37.000So money-wise, I just think if you're going to pick a girl for a relationship, she can't ever take from you in that sense where it's going to hurt your ability to invest in yourself or your future.
00:27:47.000And more often than not, girls are going to take from you no matter what you do.
00:27:50.000So I would say just to prepare yourself as a young guy coming up, Avoid relationships with girls, especially when you don't have what you need to have with the value up front, which is the ability to provide and pay for yourself and others.
00:28:03.000Don't even think about girls at this point.
00:28:59.000If you see your friends doing it, guys, I'm telling you, don't fall for the hype.
00:29:03.000It is not what it's all cracked up to be because I'll tell you this, bro.
00:29:06.000Having kids early or getting trapped in our relationship early will fuck you up 100%, bro.
00:29:11.000I got friends that legit would have been freaking doctors, lawyers, would have been successful, but one girl they stuck with for years that just left them after a while anyway...
00:31:14.000Silent killers of success that no one talks about and no one actually wants to admit because, you know, here's the thing, right?
00:31:22.000We talk a lot on the podcast about having a nuclear family, raising children is important to do, right?
00:31:27.000But in today's society, right, as a man, getting, you know, a girl pregnant at 18 years old is no longer the move.
00:31:36.000Maybe in 1954 you could have done that, but in 2024 doing that is a big mistake because You can no longer support a family on a single income with a factory job.
00:31:48.000Very difficult to do in today's society.
00:31:51.000So you have to get a skill set that you can earn a good amount of money where you can actually take care of a family.
00:32:00.000You pretty much need to make six figures, if not more, To be able to raise a family in a lot of parts of the United States.
00:32:06.000There are some rural areas maybe that you can make less and be able to raise a family.
00:32:10.000But in a lot of places in the United States, especially places that are desirable where people want to live, you need to make a good amount of money to be able to raise a family by yourself on one income.
00:32:19.000So knowing that, that the cost of living has went up, you cannot go ahead and have the nuclear family as early as you used to be able and our counterparts prior to us.
00:32:28.000You need to push it off a bit longer, right, as a man.
00:32:33.000So with that said, right, one of the fastest ways to kill your ability to become successful and kill your wealth is having children too early.
00:32:41.000And that comes from being in a relationship too early with a woman.
00:32:45.000Now, the other problem too is this, guys.
00:33:33.000So, the worst thing you can do as a young guy is get wrapped up with a female because inevitably you don't have The mental fortitude, the skill set, the masculinity, and the experience to be able to stand up to our fuckery.
00:33:47.000And you won't be able to be a leader, a proper leader, because you're both young.
00:33:59.000Because at that point, you've built some experience, you've been to the gym for a bit, you have a job at this point, you have a skill set, you have a career, you make some good money.
00:34:08.000So now, you're finally in a position where you're actually an asset to a female.
00:34:13.000As an 18 year old guy, you're fucking useless.
00:34:44.000Gentlemen, women are natural extractors of resources and status and everything else like that.
00:34:50.000So by you having a girl, even though she might be a great girl and she takes care of you and helps you out and shit like that, she's still going to be extracting from you to some degree.
00:34:58.000Whether it's your energy, your creativity, whatever it may be, your time, you're going to have to give up something to be in said relationship which you can use to build yourself up into something better so that you can be in a position where you can get a girl that will follow your lead because you've actually fucking accomplished something.
00:35:16.000Getting involved with women young almost always ends fucking badly.
00:35:22.000Are there some guys out there that meet their high school sweetheart and they make it work and it's awesome?
00:35:27.000But for the general masses, a lot of you guys are going to simp and be in a bad position and not be able to lead your girl.
00:35:34.000And that's going to lead to a bunch of problems.
00:35:36.000And in the process of you being in that relationship, you're going to miss many opportunities that you could have had to become successful and build yourself up.
00:36:45.000You should consider starting a self-improvement camp where guys could sign up who struggle with looks, losing weight, getting girls' money, etc.
00:36:53.000They could send a video message where they tell you their story and you could determine if they would be interesting enough for the show.
00:36:59.000Amiring yelling at some fat guy to do more push-ups as a drill sergeant would be great IRL streaming content.
00:37:04.000You could also set up them on dates with girls so they could improve in that way also.
00:39:21.000No matter who you are, where you're at, and I'll tell you this.
00:39:24.000A budget that you can follow is just you saying, here's my bills, here's my expenses, here's my income.
00:39:34.000All this together, you could do either two sides of this column or three.
00:39:38.000But just keep it simple, expenses and income.
00:39:41.000And then from there, you can see your actual income every month.
00:39:45.000Because remember, don't forget, your salary itself, you might get two, three K, but minus expenses, what you really have in your hand at the end of the month.
00:39:52.000Which means, let's say you make like what?
00:40:21.000Make a plan where you put either aside 500 bucks, whatever's good for you, into savings, or you put it towards a skill or a mentor that can teach you what you want to learn in real time.
00:40:34.000Because what happens, guys, is that we're not getting any younger.
00:41:15.000And it hurt because I'm seeing in real time what it is I'm actually making.
00:41:19.000But, once you get the money, you have a plan of action, then you can use it correctly at that point.
00:41:27.000Because, hold on, if you look at it from a standpoint of budget and over a period of time, if you budget correctly over a period of time, you're going to have success in many factors.
00:41:35.000Savings, Either a property or asset, or maybe even a skill that you learned.
00:41:39.000First is, you just make money and you just spend it, you don't know where it's going, and there's no real value to you at the end of the day.
00:41:45.000So, all in all guys, you need a budget no matter who you are, at the very beginning at least, see if that foundation is set, and then imagine you make like, what, 50k extra one year, what are you going to do with the money?
00:42:22.000I think the first thing that you need to focus on doing is building up that six months of reserves, right?
00:42:27.000Once you have that six months of reserves where, let's say you were out of your job, you lost your job, you get sick, something like that, you can take care of yourself for six months to one year, right?
00:42:36.000Once you have those reserves built up, then...
00:42:40.000You could take the money outside of that and go ahead and put it into some type of investment, whether it's cryptocurrency, real estate, stock market, index funds, whatever it may be.
00:42:53.000And that really depends upon you because everyone is different.
00:42:56.000Everyone has different risk tolerances.
00:43:00.000Risk tolerant and other people are more risk averse.
00:43:03.000So for you, you might say, you know, I just want to put my money into a fund that tracks the S&P 500 where I know that I'm going to get a guaranteed return of between 8 to 10%, right?
00:43:12.000Some other people might say, no, fuck that.
00:43:13.000I want to put my money into real estate where I know I can get a 30 to 40% ROI based on appreciation and cash flow and taxes, benefits, etc.
00:43:21.000And then some people might say, you know what?
00:43:24.000I'm going to put my money into cryptocurrency, right?
00:43:27.000So It really comes down to how resilient you are.
00:43:31.000The point is that we have videos on all that stuff, so you guys can kind of make the proper assessment.
00:43:36.000But what I think you should do is be in all of them.
00:43:39.000Be in real estate, be in crypto, be in index funds, be in the stock market, be in all of them.
00:43:45.000Because the more you have your money divot out in different pots, Right?
00:43:49.000And have a diversified portfolio, the better you are able to combat market turbulence.
00:43:56.000Because let's say the real estate market goes down, well, if the stock market goes up, you're making money there.
00:44:01.000Let's say real estate goes up, but crypto goes down, you made money in real estate, and you didn't lose as much on cryptocurrency.
00:44:07.000But when you're all in, Obviously, you're gonna be, you know, sitting there pinching a butthole all the time, it going crazy if the price of Ethereum goes up $100.
00:44:16.000Or if it goes down $100, you might jump off a balcony like some people have done here in Miami, right?
00:45:47.000And the reason for that, guys, is why we're able to kind of come into YouTube and like just take over within four years, right?
00:45:52.000And doing a massive amount of growth in a short period of time is because we came in, you know, we put our money where our mouth is.
00:46:00.000We invested in high quality equipment from the beginning and we just focused on always scaling up and doing better.
00:46:05.000Now, we pretty much, you know, Stabilize when it comes to the quality of cameras and stuff like that and audio.
00:46:12.000We make upgrades here and there, but in general, we have the best of the best right now.
00:46:17.000So you need to kind of have the same mindset where whatever your business is, invest in your business, guys, because if you invest in your business, that's going to allow you to make more money down the road.
00:46:27.000Also, he's speaking about opportunity costs.
00:46:29.000Imagine you have a lot of opportunity in front of you, but no money to invest.
00:46:34.000It's almost like if you had a chance of life to really excel and do better, but you didn't have the money to employ these tactics, for example, these strategies to make it happen.
00:46:44.000So even with the podcast itself, we were able to get a studio pretty quickly at the very beginning and as well get equipment right away because money was there from Myron's account that helped us push towards that goal.
00:46:55.000So again, when it comes to actual budgeting opportunity, if you have that money in hand, opportunity comes up, you can use it to your advantage to make it happen in real time.
00:47:04.000But on the other hand, if you use money incorrectly, you go gambling, you go partying with your friends, you go on vacations, then money's going to be used in a bad way where, like, opportunity cost is going to be at all time because at that point, the money could be used better to help you move forward in your business or, for example, your career.
00:47:23.000So either way, use it correctly, budget the money, and be smart about how you use it.
00:47:34.000Abusing the power of credit cards and using it for bad debt.
00:47:37.000So this one's big because imagine a lot of kids nowadays, they are growing up to see people splurging money, cars, lifestyle, iPads, iPhones, all this stuff.
00:47:48.000And usually at that age, you don't have money.
00:47:50.000So you may be lucky to get a credit card or, for example, have your mom or dad get you one.
00:47:55.000Now, as a kid though, let's be real here.
00:47:58.000All of us can say when we were younger, we wasted a lot of money.
00:48:45.000And before you know it, it may even become a part of your current income always because...
00:48:51.000That amount of money, guys, if it adds up correctly, and if it is going to be done from a credit card, can be massive amounts of money at a time if you don't pay it back.
00:48:59.000So I'll have to say that, like, at the very beginning, especially with credit cards, you need to understand the game of how it works and not be messed up because in the game of credit, if you use it incorrectly, it'll fuck you up.
00:49:20.000One guy has a credit card, let's call him guy A, and he does shopping at the mall, travel, vacation, on a credit card.
00:49:28.000But he doesn't pay it off every month.
00:49:30.000Second guy, Guy B, has a credit card, but only pays for gas, business expenses, maybe a couple nights out that are going to be more like lower costs, and he pays off the bill every single month.
00:49:45.000Obviously, from this example, you can see who's a better user of the credit card, but eventually, guy A is going to have debt he can't pay off or debt has so much money that anything that comes up with opportunity, I mentioned before, he can't afford to do it because he's stuck on credit card debt.
00:49:59.000So eventually, over a period of time, guy B is going to be more able to, I guess, take advantage because he's going to have money in reserves and a full credit card he can use at all times versus guy A will only have maybe his reserve income and be lucky if he has money from his credit card to use at all.
00:50:14.000In short, guys, credit itself can help you get a job, help you get, for example, a car, a house, even possible business ventures that we don't know of right now.
00:50:24.000And it's because people see credit as a way to see, okay, is he actually smart with his money?
00:50:31.000If they can see that, then you get a lot done in life.
00:50:33.000And as well, if you want to get a property, you need credit.
00:50:36.000So it works out better for you anyway.
00:50:39.000This is probably one of the worst things that most Americans mess up is their credit.
00:50:45.000And most Americans have consumer debt, which 9 out of 10 times comes from credit cards because they're using money they don't have.
00:50:54.000To purchase things they don't need with credit cards that will sink them deeper into debt and decrease their credit score at the same time.
00:51:01.000So you're failing on multiple angles because you're literally putting yourself in debt and not only putting yourself in debt, to pay back said debt, you're paying it at an incredibly high interest rate.
00:51:12.000These credit card companies, guys, don't make money when you use the credit card and pay it back in full.
00:51:17.000That's what they don't want you to do.
00:51:18.000They want you to make the minimum payment so they can continue to Make money on you on interest rates and this rates are extremely high They can fluctuate anywhere from 15 all the way up to 30% on some of these credit cards depending on what time of the year it is etc.
00:51:32.000and it's always can fluctuate so using credit cards guys to purchase things that are you know, you don't need like not for a business is the L most of the time now if you're using the credit card To purchase something that can help you make money, that's one thing.
00:51:49.000But most people, let's be honest, most Americans use credit cards to buy stupid shit that isn't necessarily going to benefit them.
00:52:31.000They're buying the same fucking chicken from the same distributor that Chipotle buys their fucking chicken and all these other restaurants.
00:52:37.000It's just that they go ahead, put some stupid ass sauce on it, put some other flavoring on it.
00:52:40.000You know, got some guy with a fucking weird mustache that comes out this way that says he's a fucking Picasso chef.
00:52:46.000Then he sprinkles up shit on it and then they're charging you 10x the fucking price.
00:52:53.000You really want to stay away from these luxury items and luxury experiences, especially in the beginning when you don't have money like that, right?
00:53:01.000Like me guys, I'm just starting maybe, every now and then, using luxury services.
00:53:08.000But I still don't go eat at fancy ass restaurants like that.
00:53:11.000I still don't spend money on fucking luxury cars and any of this other shit.
00:53:19.000Credit cards allow you to partake in these scams at a higher level and then drag yourself into debt with high interest rates and then you end up under a fucking hole that you can't fucking manage.
00:55:06.000To all my earners, right, young professionals, you guys that are entry level or, you know, maybe even executive level, you're making, you know, $80,000 to $300,000, $400,000 a year.
00:55:15.000You guys, a lot of you guys fall in this category where you make good money and you can do certain things, but you still, right, purchase these luxury items and then you become a slave to these fucking luxury items and drag yourself in debt when you didn't need to.
00:55:27.000Guys, Fucking multimillionaire, I still drive my 2002 fucking Honda.
00:55:31.000I'm going to continue to drive that fucking 2002 Honda because I understand that cars and paying a fucking monthly bill 9 out of 10 times is a fucking scam.
00:56:56.000You won't have to worry about shit because once you're attached to things, right, because once you procure something on credit, Now, that thing owns you.
00:57:47.000So guys, just live way below your means.
00:57:49.000Try not to drag yourself in credit card debt because that credit card debt, those things that you buy that you think you own, they actually own you because now you have to fund maintaining it and keeping it.
00:57:58.000The best thing you can do is when you get to that level of success, you spend the money on experiences that you care about.
00:58:05.000That's a reward in itself because, for example, you and Angie, you want to go eat, you want to go travel, see your family, you can do that with no sleep because you can afford it after the fact and you did it where it doesn't bother you at all.
00:58:18.000Versus you do it at the very beginning, shit, I got to pay my rent, I got to pay my credit card, shit, I just spent like $1,200 on traveling.
00:58:26.000So having experience with people you care about after the fact is way more impressive and as well.
00:58:31.000Way more rewarding because now, it's only your time, your dime, without an issue at all.
00:58:37.000Yeah, I mean, but refrain from traveling in the beginning, guys.
00:59:35.000But to me, I look at this, it's all fine dining is a fucking scam, right?
00:59:39.000So, if I go there and I want to go ahead and get some food there, I don't got to think twice because my cost of living is so fucking low where if I go to a place like this and eat once, it's not going to matter.
00:59:49.000But if I got all these other expenditures because I'm buying all this fancy shit to impress people that don't give a fuck about me, well then yeah, I'm going to be looking at that receipt.
00:59:55.000Like, hold on, am I going to be able to get this and then pay for my car payment and then also for my also super expensive other bills that I got?
01:00:57.000Being minimalist is key because now...
01:01:00.000Less expenses, more freedom, more mental clarity you could use towards either a new business or new goals.
01:01:07.000So honestly, guys, being a minimalist is key because shit, I'm learning it now too as well and I'm like, I'm way happier now because the less things I have in my possession, for example, cars and lifestyle, The more free I feel.
01:01:19.000Honestly, guys, I'm happier just being with me here at Dog Park, driving in the car, coming here, doing a show, hanging with the guys.
01:02:11.000Choosing the wrong circle of friends is very costly.
01:02:15.000So we mentioned before, you know, time management, budgeting, and having money you can use correctly to benefit yourself, the future, not waste it.
01:02:27.000All these things are great, but if your friends are these people that do these activities, and they're drinking, smoking, spending money, doing dumb stuff, and traveling, when they themselves are not where they need to be, guess what you're going to do?
01:03:14.000Your family, your hang around, your lifestyle is indicative of them having and keeping up with the Joneses.
01:03:22.000So as a result, they literally become a market for themselves of just buying what people think they need to have to be relevant in people's eyes.
01:03:32.000Which means they don't really need it.
01:03:34.000So if you are one of these people, and this is your circle of friends, by default, you become just like them.
01:04:37.000That right there has a clarity because they understand what they're about and they're not swayed by any persuasion of people in the streets or, for example, media.
01:04:46.000Which means, if you have good friends around you that are more concrete and more grounded in that sense, you can either scale up on business, mindset, growth, gym, all these things.
01:04:56.000Other friends that are going to party, drink, and waste money like that, you'll do it too.
01:05:09.000If you're the fifth, you know, if you hang out with a group of five intelligent individuals, you'll be the sixth.
01:05:15.000If you hang out with five idiots, you'll be the sixth, right?
01:05:17.000I mean, look at Little Dirk right now.
01:05:19.000Being around a bunch of goons all the time as a successful music artist ended up happening.
01:05:23.000Now he's getting, you know, taken down for murder-for-hire for being around a bunch of street niggas that wanted to go ahead and get retaliation.
01:05:29.000Obviously, he wanted to get retaliation, too.
01:05:31.000But, you know, this is what happens when you are around people that are low-level, low-vibrational, thinking of, oh, yeah, we gotta get back, we gotta slide for Vaughn, blah, blah, blah.
01:06:06.000So, you need to keep good people in your circle, man.
01:06:10.000And sometimes, I'll tell you guys this, it's better to have no people in your circle than have bad people in your circle.
01:06:14.000And so many people are concerned with, like, having friends, where you guys will sit there and have really bad friends for you, right, at the cost of your success, because you're that terrified of, like, being alone.
01:06:26.000Like, guys, you're better off literally having zero friends than having shitty friends.
01:06:31.000When I was in South Texas, there'd be months where I wouldn't talk to anybody.
01:06:37.000I would just focus on work, talk with my colleagues and shit like that, but I'd be a loner.
01:06:45.000That's a skill set in itself, being able to be alone and not have an issue with it or feel lonely or not always needing to be around people.
01:06:53.000Leaving yourself alone with your thoughts.
01:07:15.000Unless you got like a star panel of buddies that you guys are on the same level and they're higher than you and they're pushing you to become better, which, let's be honest, for most of you guys, that's not the fucking case.
01:07:50.000They are in Council Club because they're vetted, they've been with us from the very beginning or near, damn near the next day, and as well, they have value for, for example, a business, they're RP-minded, or they understand how the world actually works.
01:08:03.000And that right there, guys, you can't even pay for that because finding people like that around you is almost impossible.
01:09:10.000Joe Naden goes, Hey, Myron, how did you go about withdrawing your TSP? I remember you saying that, but they only let you withdraw only if you're a retirement age or separate from the federal government.
01:09:20.000Yeah, bro, they're not going to let you withdraw the full amount unless you leave.
01:09:23.000So I left, so I was able to get most of it out.
01:09:25.000But for you, bro, you can borrow against it.
01:09:28.000If you're going to buy a house, but, you know, obviously you're going to have to pay it back in interest, so really, you know, weigh the options if it's worth it for you.