It s been a minute, but we ve been making things happen behind the scenes. I was in Vegas last week, and I m back in DC this week. We discuss the debate on secular vs. religious marriage, and how to balance the two.
00:09:14.000Did a show with Jake Shields, Hodge twins, met up with Brandon Herrera and Donut Operator out there in Vegas, one of their social gatherings.
00:09:25.000They shot some guns and stuff like that.
00:09:47.000We discussed all kinds of different things, politics, the red pill, all that other stuff.
00:09:54.000I didn't get a chance to see, now that I think about it, I wish I would have done something with Coach, but we'll go back out there to vote at Vegas again.
00:09:58.000I ran out of time and I couldn't link up with Dan.
00:10:35.000He's saying you need to have religion put into it so that you have these social tripwires that would stop the woman and buffers that will stop the woman from doing stuff.
00:10:46.000Because if she's a part of the church and you get married with just the church, not the state, well, now she has social reasons, right?
00:10:54.000Shame, being a part of the group, etc., and not, you know, not wanting ostracization that'll keep her in line.
00:11:01.000So both of them are right because I see Andrew's perspective where he's saying, look, marriage is a religious institution, which is actually true, right?
00:11:07.000We've kind of secularized and said, oh, yeah, marriages can be secular.
00:11:12.000Because unless the woman has a fear of God and has very strong societal and religious buffers to her, she's going to do dumb shit, which is why women divorce all the time now.
00:11:21.000But I also see Coach's perspective where he's saying, well, marriage nowadays is too risky of a bet for modern men, which I agree with that too.
00:11:29.000So I think that they were kind of talking past each other because they were like, you know, mad at each other.
00:11:33.000But I don't think neither party was wrong based on their worldview.
00:11:36.000I think both worldviews work because we've said it before.
00:11:39.000If you're going to get married, make sure it's through the church or the mosque and the states out of it.
00:11:44.000Coach is saying, don't get married at all because it could create serious problems for you down the road, which that's also true because if you're not going to get married with these buffers in place, especially like a religious institution, you're going to probably take an L.
00:11:58.000So yeah, I think both of them were right.
00:12:01.000I'd be happy to moderate it so that both of them can kind of get both their ideas out.
00:12:05.000And that's another thing I don't think both of them were able to fully explain their position.
00:12:11.000Because I think if both of them had time rounds where they can both explain their position and the other person could hear it without interruption, then they'd be like, oh, okay, I actually agree with this.
00:12:19.000But since I know both of them and I know their positions, I was like, well, you guys actually agree.
00:12:23.000This isn't really about marriage is bad.
00:12:25.000It's more about how do we find ways to have the institution of marriage where it's not a huge risk to the man.
00:12:32.000And I don't think they got to cover that because there was a lot of interrupting and everything else like that.
00:12:38.000Yeah, the only thing I saw that were kind of missing was common law marriage because that right there, even if you're married by the state, if you live with a person in certain states, you're married by the state as well.
00:12:47.000So by married by the church, living in the same households, that's considered marriage.
00:12:51.000And that's, yeah, that depends on where you are.
00:18:47.000And if you know what I mean, it's like a double double spammy.
00:18:53.000So, remember I mentioned to you guys before that I was at a conference in Vegas with some people, and they mentioned the car market going down, housing market going down, crypto going on as well.
00:19:05.000And the weird part is that, like, just last month, October itself, there was a layoff count of job loss.
00:19:12.000150,000 people got laid off their jobs.
00:19:29.000We're going to go through five things you can learn today to kind of, I would say, you know, avoid what's coming next because if you're not careful with your next moves, it could either end you or make you really rich.
00:19:40.000So, there's a middle place between rich and poor called middle class.
00:20:30.000Now, brand new car, before it even gets off the lot, it's going to depreciate the moment that you drive off the lot.
00:20:36.000And the weird part is that the actual car itself, you could have bought it for three years under and saved like 20% from that depreciation.
00:20:44.000So let's say the car costs like $40,000.
00:20:47.000You could have saved just from having a used car three years under $10,000 or more.
00:20:53.000So alone, you're saving money by buying a used car.
00:20:56.000But secondly, new cars, guys, are just a bad investment through and through.
00:20:59.000Because you're going to drive the car for what, a year, get tired of it and try to sell it.
00:21:03.000You're going to lose money from depreciation as well as being upside down in the car.
00:21:08.000And upside down just means that you bought the car for a certain price and the value dropped so much, you're going to owe the dealership money to get out of the car.
00:21:15.000So in essence, guys, buying a brand new car, not a good idea.
00:22:02.000Toyota and Honda that were friendly, smart, economical, are no longer those options because they're the same prices pretty much at the Mercedes or BMW.
00:22:10.000So, in essence, fellas, the car market is going up and your pockets are going down.
00:22:16.000So buying a new car is going to destroy your wealth because, again, it's a silent color.
00:24:43.000So I made this video last year about the number one wealth killer that nobody talks about.
00:24:47.000In my opinion, I don't think anybody should ever buy a new car.
00:24:50.000If you're trying to be financially savvy, never buy new because buying a new car is basically just throwing your money away to depreciation most of the time.
00:24:57.000And how much are you losing once you drive the car off the lot?
00:24:59.000Yeah, off the lot, depending on the model, 15%, 20% right off the top there.
00:25:04.000And then in the first three years, you typically lose 40% of the car's value.
00:29:59.000It's going to have a phase of every company outlet is going to have AI integrated into it, which means typically from staff of receptionists all the way up to CEO levels, there's going to be AI integrated into companies.
00:30:14.000Now, if you're listening to what I'm saying, you should be shitting your pants.
00:30:17.000Not literally, but you know what I'm saying?
00:30:19.000Because what's happening is most people are going to be without a job.
00:30:24.000So add that into the economy and also inflation going up.
00:30:28.000And add in as well, people can't pay their bills, pay for their cars, houses, and rent.
00:30:38.000We're going to need actually somebody to save these people.
00:30:42.000Now, if you're smart, you read your Bible, you know where I'm going with this, right?
00:30:47.000They're going to need a universal income to save people.
00:30:51.000And when there's chaos, it comes order because they create the chaos.
00:30:56.000And then magically, they give you the order to follow suit.
00:31:00.000Now, typically speaking, if you look at this from a standpoint of secularism, you know, you just take whatever they give you, move along with life, and you're back to normal.
00:31:10.000But from a religious standpoint, you want to see where this is going.
00:31:14.000And basically, it's a one-rule order, as we mentioned before on some podcasts, but it's happening in real time.
00:31:48.000But guys, the job market itself is cooked.
00:31:50.000And if you look at it from the standpoint of my point of view, we're okay.
00:31:55.000But for you watching, mostly watching the podcast of 95 job, which I think is great as well, you need emergency funds because having emergency funds will help you weather the storm.
00:32:02.000Because if you lose your job today, what do you do?
00:32:11.000So typically, what people do is go to credit cards right after that.
00:32:14.000And if you go to credit cards without a job, you're going to be even more debt.
00:32:18.000So I think looking at it from the standpoint of what's happening with the economy, prepare that if you need to lose your job, you can actually withstand this by having savings and, of course, planning ahead.
00:32:27.000But it's a video we could play as well.
00:32:29.000Another video, Bills, if you don't mind for number two.
00:32:34.000Understand one thing: if Amazon can cut 14,000 jobs 62 days before Christmas, what makes you think that your job would not cut you?
00:32:45.000What makes you think your job is safe?
00:32:48.000Guys, we are living in times where employers don't give a damn about you being a three-time employee of the month, a three-time employee of the year, how much brown nosing you do, how much overtime you work, how much sacrificing you did for the company, neglecting your family.
00:33:12.000You avoid family functions, maybe your kid's birthday, maybe even like your mom is sick in hospital, but you're working to help pay the bills.
00:33:20.000And then, you know, company says, we're going to downsize.
00:37:07.000You know, shout out to Rumble, Kick, Party, all these alternative platforms that put pressure on YouTube, especially Rumble, because Rumble's their true free speech app.
00:37:20.000So, um, you know, but yeah, dude, like, any alternative platform to YouTube, honestly, and Twitch is like a W. Because honestly, the only way that they're going to change, which they've been changing, by the way, it used to be, oh, we give you three strikes and we ban you.
00:37:33.000So YouTube is also realizing, like, damn, like, we're losing a lot of people to alternate platforms because our ambiguous guidelines, our ambiguous ruling, how we like give people strikes or whatever.
00:38:29.000So, yeah, we've been demonetized now for two years and we still figured it out, you know.
00:38:32.000But like, yeah, I mean, I like, but the thing is, is that I've seen this demonization destroy other people.
00:38:35.000Like, they can't even operate no more.
00:38:37.000And we've been, thankfully, you know, shout out to Fresh making things happen behind the scenes, but we've been able to survive and thrive even while being demonetized for two years.
00:38:46.000Other YouTubers would never be able to exist, bro.
00:43:47.000Also, from what I heard, not to be happier about this, but like one of our biggest haters, John Anthony Linton Lifestyle, got banned on YouTube.
00:44:50.000But I was at a dinner with some people, an AI creative director, some owners of some companies, and they're planning to implement AI in all factors of business so they can minimize expenses and raise revenue to a massive amount of money.
00:45:09.000And then we'll put money into crypto to kind of stabilize their earnings.
00:45:13.000Now, that just means for most people, you're probably going to lose your job.
00:45:24.000This is going to be having a minimum of six to one year savings, especially with a job loss.
00:45:29.000Lamir, you're very good at saving money better than most people I know.
00:45:32.000Actually, Andrew could give you the credit saying you're smarter than him and me because you don't spend money.
00:45:37.000You're saving a lot of money yourself and invest it.
00:45:40.000What would you say is one of the things that people can learn from you about saving money having emergency fund?
00:45:44.000If you just keep your expenses low, you don't even have to budget.
00:45:49.000I rarely, yeah, that's like one of my cheat codes is I keep my expenses so low that I don't really even have to budget because I don't spend that much.
00:45:57.000Like, I mean, obviously, I spend a lot for like running, you know, running operations, obviously, for the show and everything else like that because we got a team.
00:46:05.000But like outside of like my personal funds, like I don't spend much at all.
00:46:09.000So, you know, and if you really keep your overhead low, guys, like you don't even have to budget, really.
00:46:15.000Because you guys got to remember, like, all financial problems come from basically this.
00:46:21.000If you spend less than you make, you're really not going to run into problems.
00:46:24.000Most people spend more than they make.
00:46:27.000So therefore, they puts them in a strange situation where they have to start getting creative with either A, making more money or B, budgeting during periods of time to fix that situation where they're spending more than they make.
00:46:40.000But if you simply spend less than you make, or and better yet, spend significantly less than you make, you're going to be in a position where you really don't have to budget that much.
00:46:48.000And I do, like, I kind of do it where I eat cheap food.
00:46:53.000I eat like Chipotle and shit like that, right?
00:47:41.000Yeah, and it also doesn't bog you down.
00:47:42.000Materialism, I think, is honestly one of the worst things that you can be a part of because materialism kind of puts you in a situation where you need to keep acquiring things to get that same level of satisfaction.
00:47:54.000You buy your first thing and you're like, oh, this is really nice.
00:47:56.000And then to get that same high, you got to buy something else or more.
00:47:59.000So, yeah, I just, I think materialism just sets you up for an inevitable slippery slope of constantly being unsatisfied because you always want to buy the next thing.
00:48:13.000So just after your point, remember I was in that nigga face?
00:49:27.000You're always going to be like inside and shit like that.
00:49:31.000But, you know, if you really do live like a minimumist lifestyle, I tell all of you guys, like, aim to have less than 200 things.
00:49:38.000If you can master having less than 200 things, that's another piece of sauce for you guys.
00:49:41.000If you can manage to own less than 200 things, you're going to be in a position where you're going to be good because literally you only have like your bare necessities.
00:49:48.000And when I say 200 things, I'm talking about 200 things.
00:51:26.000Because what will happen is you remove your tie to things, and then you'll notice how much relief you'll have because you're not worried about stuff.
00:52:54.000But if you need $5,000 a month, that means you need $60,000.
00:52:57.000So that's another good reason to keep your expenditure low because if your expenditures are low, you don't need as much in your savings account to make shit happen.
00:53:04.000When you don't need as much in your savings account, now you can start deploying that money to actual invest.
00:53:07.000Because remember, guys, first it goes, make the money, right?
00:53:11.000Then put the money in the savings account so that you have an emergency fund.
00:53:14.000Once you have that emergency fund, that's when you start investing.
00:53:16.000The problem is a lot of you guys want to go ahead and start investing.
00:53:18.000You don't even have an emergency fund.
00:55:26.000This is really, really important what he's going to say because a lot of you guys think that he's out there spending a whole bunch of money and shit like that.
00:55:31.000So I remember it was me, Ben Adon, Odell Beckham, some ladies, and then one of the person I don't say his name.
00:55:42.000We're at an event, just sitting down chilling, right?
00:55:45.000And I used to wonder, like, okay, how are these guys going out every single night doing anything?
00:58:44.000But you don't have to spend it back every time you go, guys.
00:58:47.000Like, for example, you're going to a bar, you're going to sit there, get a bunch of drinks, maybe get drunk, and you're going to drive home.
00:58:54.000Like, that's going to be like, okay, bad choice because you may get hungry for food after.
00:58:59.000So I'm just saying, like, be smart about how you move.
01:01:17.000And if you're going to do this, you got to go all in.
01:01:19.000There's no if, ands, or buts about this shit.
01:01:20.000Like, you have to actually go all the way in, post every D day, be consistent, and nobody's going to bring you on their fucking podcast unless you add value.
01:01:43.000I think he went to Georgetown or some shit like that because we're in the Georgetown area.
01:01:46.000And like, that's just a microcosm of a much bigger problem.
01:01:51.000Guys, if you actually want to be super successful at something and be good at something, like you're going to have to cut out socialization, drinking, smoking, hang out with losers.
01:01:59.000Like, it's going to have to engulf your entire life.
01:02:02.000Especially in the beginning part when you're really trying to grind and build, right?
01:02:06.000So, you know, once you get, you know, to a certain position, you can kind of, you know, pause, reassess, and then see where you're going to go from there.
01:02:14.000But like, in the beginning stages where you're building, you can't afford fucking distractions, dude.
01:02:18.000So, Mario just mentioned something that's very important: intentional networking.
01:02:21.000This is my teacher networking because he's saying when you go outside to meet people and network, you can't be drunk.
01:02:36.000So I still gave him advice like what he needs to do, but I was very angry when I spoke to him and I was like, yo, you're a fucking loser for this.
01:02:42.000Like, you never go up to somebody like this when you're drunk.
01:04:20.000You close this gap by adding some type of value, whether you have a skill set that they don't, or you have connections that they don't, or whatever it is, right?
01:04:29.000But this is where you become creative and you find out a way to close that gap where now you guys are on parallel ground because you've added an enormous amount of value.
01:04:37.000Now, that takes research on what Fresh said, right?
01:04:39.000You have to know the individual that you're talking to, what their weak points are, et cetera, and how you can add value to it.
01:05:38.000And the same thing with like, let's say you go to like a business meeting, whatever, and you're like a lower-level guy, and you're just like, hey, you should hire me.
01:05:44.000Oh, I should get a promotion, blah, blah, blah.
01:05:45.000No, bro, that's not how the world works.
01:07:17.000And you can do this in many different ways, right?
01:07:19.000You can do this, whether it be through social media or other ways.
01:07:21.000But the point I'm trying to make is the bottom line is simply this, guys.
01:07:23.000If you're trying to get into a certain network or get in with a certain caliber of individual, whatever it is, no matter what profession it's in, you need to identify the problem, come with a solution for that problem, and then use that solution as the equalizer to bring back this gap.
01:07:41.000Your skill set, that solution that you have, bam, now you're equal and you've equalized yourself where you can add value now and that person will deal will deal with you.
01:09:45.000So you're going to make a choice, fellas.
01:09:47.000Spend money on what's going to help you improve versus what's going to make you lose.
01:09:50.000And the other thing, too, a lot of you guys will come here to Miami or New York City or one of these major cities and you'll get lost in the fucking sauce.
01:09:57.000You come here, you're making a bunch of money and you start partying, having too much fun, all this other stuff.
01:10:01.000but the next thing you know, work takes a backseat.
01:10:03.000Dude, you gotta, look, man, there's a reason why I locked myself in a house damn near all day.
01:10:56.000Well, we know a guy, young influencer, came in Miami at a young age, was doing pretty well, making 50 to 100K a month off of his interviews.
01:13:44.000You know, whether it's me college, debating colleges, the girl show here, my stream that I do, networking with other people in the political world, the political space.
01:13:53.000Like, bro, it doesn't even come close.
01:15:54.000When we do our financial stuff, we're doing this because we genuinely want to help because I know that the guys that are watching this are serious about this.
01:16:00.000And we really get no benefit from doing this.
01:16:02.000But the reality is we keep doing the money Mondays because this is critical because a lot of you guys might be in a bad situation financially.
01:16:10.000You might need some guidance, et cetera.
01:16:11.000So we still do this because it's that important, even though there's no benefit to us.
01:16:15.000So my thing is this: guys, we're telling you: 1.5 to 2 times as much.
01:16:21.000These Miz gurus that are selling you a course have an incentive for you to quit your job because we're telling you guys not to quit your job.
01:17:29.000Take it from two guys that actually had real jobs before doing YouTube.
01:17:33.000I'm telling you guys exactly how me and Fris segued from doing a government job and a tech job in the private sector to becoming YouTubers and starting a podcast.
01:17:49.000I wish somebody was doing this type of content when we were coming up because we had put it together, different videos to get us information.
01:17:57.000You're getting it here plain as day, simple, broken on my marriage and myself, easy to go.
01:18:01.000Whether you're segwaying from the government to the private sector or you're segwaying from the private sector to entrepreneurship, like ensure that that job that you have, the second hustle, is making as much, if not close to double what you have and you have a significant amount of savings so that you don't put all your eggs in one basket.
01:18:18.000Guys, please, if you're going to go into the entrepreneurship world where you're buying a course, you're doing some type of different scale copywriting, clipping, whatever it is, like make sure you don't quit your main job because that's going to be critical for you to really prop up your other job.
01:18:29.000Another reason, too, guys, you guys want to know why we're able to grow so fast on YouTube and like really kill it?
01:18:33.000It's because we started out with good equipment.
01:18:52.000That allowed us to cut the learning curve and be able to make money faster.
01:18:56.000But we were only able to do that because we had a good amount of saved and we had our other job, which we were able to use that money to funnel into the side project entrepreneurship.
01:19:04.000Do not believe these niggas that have never done anything before YouTube trying to talk about, oh, this is how you quit your job, blah, blah, blah.
01:19:13.000I just want you guys to be able to quit that job or leave that job in a position where you are now not dependent upon a guru or buying a course or some other stuff.
01:22:42.000Hey, Mario, my bro's girl is about to be gifted a 20 million single family beachfront home from her rich hedge fund dad.
01:22:48.000My bro's trying to describe or decide sorry if they should rent it out sell it if market is at its peak.
01:22:54.000I mean you could try renting it out But are you gonna have a consistent amount of you know cash flow coming in?
01:23:02.000I mean, if he owns it out front, then maybe, but if there's still a mortgage on it bro, it might be better for it to sell that thing and put it into real estate.
01:23:08.000That is, it gonna be as costly to maintain.
01:23:12.000But yeah, it's a 20 million single family beachfront.
01:23:17.000Might be better to sell it bro, and then go pick up other properties with it, because renting it might not give you the cash flow you want per month.
01:23:24.000Yeah so, but there's so many different factors that go into that.
01:23:29.000Um shout out to Three Diglets says, out of all the investments you can make where, would you say, real estate ranks in all of them?
01:23:44.000True, i'll say crypto next because because uh yeah, just because of the um, the potential.
01:23:49.000But when I i'd say I think real estate is the best because of the tax benefits and that, like our entire um government and tax structure, is built upon creating jobs for people or creating housing.
01:24:00.000That's why you get the tech best tax benefits from um being a landlord and or owning a business.
01:24:06.000So by being a landlord and owning a business, you do both, essentially because if you, especially if you, treat your houses like llcs and stuff so um yeah, I think real estate is bro, because of the tax benefits, but there's other asset classes that are great too.
01:24:16.000Obviously index funds uh, the stock market.
01:24:19.000If you know what you're doing uh, you know, if you don't know what you're doing, then just invest in a basic S P 500 or total stock market index, right on, whether it's a Vanguard or whatever um, or fidelity, any of these brokerages uh crypto, and you should be all right bro, if you, if you do that right, you can also get yourself a high-yield savings account if you want.
01:24:39.000Um, you know that's another option, but I definitely think real estate, crypto and, uh the stock market and or index funds are definitely the top ones.
01:24:48.000In my opinion, three diglets shout out to you for uh that chat as well.
01:24:52.000Yeah, absolutely cool to thrive, or put the money in the bank, compound interest and savings, or invest into more real estate.
01:25:02.000The house is in Malibu California, near where you did that catch a cheater thing.
01:25:07.000Uh again, see how much money you can get per month renting it out uh, and if you can do better by selling it and then picking up other homes, that might be the move.
01:25:15.000And also, you're in California bro, you might want to take that money and get out Calorify.
01:25:44.000And then you can work those blue collar jobs and still start a side hustle on the side.
01:25:47.000Actually, I wager, when people ask you what you do for a living, if you say uh trades, they'll be like oh, they make money now at some point, hopefully.