241. Q&AF： Managing Finances, Reconstructing Culture & Bouncing Back From Bad Decisions
Episode Stats
Words per Minute
196.5641
Summary
In this episode of The Realists, we talk about how to become financially independent, how to manage your money, and how to be a better human being. We also talk about the benefits of donating to charity and how you can help the less fortunate.
Transcript
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What is up guys, it's Andy Priscilla and this is the show for the realists, say goodbye
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to the lies, the fakeness and delusions of modern society and welcome to motherfucking
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Guys, today we have Q and AF, this is where you bring the Q's and I bring the AF's.
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Email your questions in to ask Andy at Andy for seller.com.
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Uh, with that being said, Andy, question number one, that's gotta be a record.
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A lot of people, we get a lot of new people, every fucking show.
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So like, if this is your first time, we do have a, we do have a, all right, I'm sorry.
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The fee is tell somebody about the show, please.
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Uh, we're going to give you a whole bunch of value.
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You're going to dance around fucking circles and ring around the posy and shit after the
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Andy, how did you learn to, to seriously manage your finances?
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They don't teach you those things in school intentionally.
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The reason they don't teach you anything about credit or balancing an account or making
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investments or this or this or this all shit that 14 year old kids are teaching themselves
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Uh, the reason they don't teach you that shit is number one, the teachers teaching you don't
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And number two, uh, because by the way, they never did anything.
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They want you to be on the system as much as possible.
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They want you to be financially fucking handicapped so that they can control you.
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So understand financial independence is the actual key to real freedom.
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Um, so that's why I say capitalism's bad and all these rich guys is fucking assholes.
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Look, dude, um, it, it, listen, you won't be free unless you become financially, uh,
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The reason I'm allowed to say all these things on the show that I say, and, uh, all
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the shit is because I don't answer to fucking anybody.
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No, there's no sponsors calling me saying, Andy, you need to tone it down.
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And I turned down seven figure deals for sponsorship on this show all the fucking time.
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You know why I do, you know, I turn them down because fuck you.
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So understand that when you make a whole bunch of money, um, you get to the point where
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Like what, what, what's, what's, what, what helps more people you donating your time twice
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a year, fucking, uh, Thanksgiving and Christmas to feed the homeless.
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Are you being able to build 15 homeless shelters in your town?
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So let's get real rich people help the fucking world more than fucking poor people.
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And they get a bad name based upon what these fucking pussies who are teaching our kids shit
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How did you learn to manage my, my mentality has always been make as much fucking money
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I have partnered with a person who is the exact opposite.
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My business partner, um, he, for the most part is the opposite of me.
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Now that's why, that's why you need that yin and yang.
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So my goal is to make as much fucking money as I fucking can ethically responsibly, uh,
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while doing all these good things, creating jobs, et cetera, et cetera, because I understand
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It's not so much like I'm managing every dollar.
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Now I'm in a different fucking scenario than 99.9% of humans.
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If I was a regular human, um, when it comes to managing finance, I would still operate
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on that same principle, uh, of trying to become as successful as possible so that you have
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a little more margin for error inside your personal finances.
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Because there's so many speculative things that are going on in the world right now.
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Um, because of the changing the, the, the rapidly changing technology and, and all of these, uh,
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So managing your finances is always going to come down to, uh, really basic principles.
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Um, saving a certain percentage of your money, investing a certain percentage of your money,
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In fact, purposefully living below what you could actually afford, which takes a lot of
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And I do that by the way, like people don't understand that.
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Like what you see in my life, that's within my, my budget for what I spent on myself.
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The goal is to get so fucking big that even that small budget that you give yourself to
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You should be working towards that until you get there.
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And that's going to mean that you're going to have to start off probably cooking French
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Then I started my little company and everybody laughed at me for fucking 15 years.
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I posted yesterday, like somebody, I was in the fucking LaFerrari and the dude, dude's
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I point this motherfucking cameras and fucking flex and that's not bragging, but that's just
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what happens after fucking two decades of working your balls off.
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By the time you're 40, you're going to be killing it.
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And not only are you going to be young, you're going to be a silver fox like me, motherfucker.
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So like, dude, like stop thinking you got to have it in a day and start thinking about
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Point is this, go on the fucking offense, man, and be on the offense so fucking hard.
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I'm winning and my life is nice and I have freedom and I can do what I want for now until
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we lose our freedom, unless you motherfuckers join me fighting for it.
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So, um, so yeah, dude, you know, uh, what's, what's that book?
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Um, you know, a lot of people have their opinions on what you should do percentage wise,
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You got to find a system that works for you that you can discipline, uh, and stick to for
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a long period of time and live within that system and, and, and keep going on the
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offense to make your pie so big that even a fucking small crumb of your pie feeds a whole
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You know, I don't think, uh, like I know a lot of people listen to Ramsey for this shit
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and he's like, Oh, you must have a million, be a millionaire before you buy a nice car and
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I've never listened to any of a shit, but I don't operate on those principles and I like my
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I've listened to him when I was, uh, trying to overcome my debt.
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Uh, he says, unless you have $1 million in net worth, you should not buy any new car.
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You, when you were saying you said a nice car, he said any new car.
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And I, I feel like he's trying to deal with majority of the Americans trying to overcome
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But then those people never make anything out of average.
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Look, dude, to get out of that, it's just like you, bro, getting out of your debt.
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You didn't say, Hey, I want to get out of my debt.
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You said, Hey, I want to fucking become wealthy.
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And so it's kind of like that saying, you know, uh, shoot for the moon and you land among
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And he, maybe you may not get to exactly where you want, but the score, the points are
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And a lot of stuff that you said coincide, obviously, because he's wealthy as well.
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So a lot of stuff that you say, he says the same thing.
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I can't, I, I, you know, me, dude, I don't have time to listen to anybody else.
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So I know this, I know he hacks the fucking iTunes algorithm every fucking day and he fucking steals
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I look, he takes his three hour show and puts three different podcasts and that's a hack
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It's impossible now to get to number one because of that.
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I didn't see his house in Nashville that went for sale, man.
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So just to add up, he, he lives a great life though.
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He lives a great life, but he says the exact same thing that you said.
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His pie is so big that his small section is so big that it looks like he's living pimping
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And that's why we have millionaires that I have employees that live million dollar houses
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So like, and that's only getting bigger and bigger and bigger.
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By the way, million dollar house here in Missouri is a $10 million house for fucking
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As an intrapreneur, how would you go about reconstructing culture in your company and the company that
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Um, dude, all, all culture starts from the example and, and what people don't really understand
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about setting an example is that it's not, it's so simple, dude.
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You know, it's not monkey see, uh, or monkey monkey say monkey do it's monkey see monkey
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So if you want your culture to improve with, as an intrapreneur, all right, on a team inside
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of a company, you have to live that standard of what you expect it to be.
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And you can't spend your time pointing at everybody and saying, Oh, you fucking suck.
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And you're not living the standard or you're not living the standard and no, neither are
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You have to become so undeniably good at living that standard that other people want
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And they have to make that decision on their own.
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So what makes someone make a decision to follow someone?
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You have to be undeniably something that they want.
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Like, so the reason my voice matters and the reason people tolerate my cursing and my attitude,
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besides the fact that it's funny as fuck, is that, um, I literally have proven myself
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over and over and over again in literally every way.
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You have to have credibility to change the culture.
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The credibility as an entrepreneur starts with how you act, how you perform, how you treat
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others, what standard you live to every single day.
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And then when you do screw up, you got to call yourself out, not call the other people
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The first thing people can do to improve their culture at work is by living the example.
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It's the same reason why what's going on is going on.
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Like I look at all these people on the internet wanting to change what's going on in the country.
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How many of them are actually, actually providing solutions?
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How many of them are actually sitting down with people who may come from a different point
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of view, like we are to have conversations about solving actual problems, or are they
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just posting memes or are they just saying, uh, agitating shit to get likes and shares and
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And that's why none of these, that's why nobody's stepping up to solve any of the problems
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No one's actually putting their balls on the line.
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It's real easy to post a bunch of shit and say, people should do this and that and this,
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this, this, this, this, but you're not risking anything.
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So that people are like, they're waiting for someone to come along when in reality, dude,
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Like you yourself have to start living what you want this country to be.
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Like if everybody lived better, if everybody set a better example, if everybody tried to
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be nicer and more kind and better and earn more money and become a more contributing
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part and a healthier, healthier, personal excellence.
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If you live that, your neighbors are more likely to live it.
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The people at your church are more likely to live it.
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And that's the problem we have in this country right now.
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We have a lot of people that could change a whole lot of shit by just changing themselves.
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But instead they want somebody to ride in on, you know, the white, white horse and save
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This is, we need a cultural revolution of personal excellence in this country.
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And the same, that's the same way to change the culture inside your company.
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What kind of fucking, what kind of life do you live?
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You live like, bro, this, that's why he's saying these things.
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Now he was, I think he was talking mostly about black Americans, but that is exclude.
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And your culture and your company is no different than that.
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Andy, our third and final question for you today.
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Andy, how, how do you handle or how did you handle?
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You don't make terrible decisions now, I'm sure, but I make a few.
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How do you handle bouncing back from terrible decisions?
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And then I look at it and I'm like, all right, dude, you don't fuck up very much, but you're
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And you fucked up and now you got to make it right.
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And then the second part is not to just make it right, but also to not repeat the same behavior.
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Like if I fucked up yesterday, I ain't thinking about it today.
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Being able to forget those things and move forward.
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Um, with, with, with, uh, that lesson in your pocket, that just means you're a more powerful person moving forward.
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A lot of people try to just forget it and fucking, I fucked up yesterday and keep moving.
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They don't take the time to assess themselves and be honest with themselves.
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Most people don't, most people don't, aren't even willing to admit that they fucked up.
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Most people won't even have an honest conversation with themselves though.
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Instead of having an honest conversation with themselves, they give themselves the bullshit conversation.
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That ain't, that ain't, that's not, that's not how men or, or adults act.
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And honestly, like if you heard my own dialogue, it's way more critical than I give to anybody
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If you make up, make, make a mistake, identify what caused you to make the mistake.
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Uh, identify what situations would that miss, would that present itself again, change the
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behavior to, to create a situation where you don't fuck up again like that.
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Like so many people, like I talked to so many people who were like 40 ish years old and
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like, man, when I was 20, I did this and this and this.
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And you're still punishing yourself for some shit you did 20 years ago.
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That's the culture we've created, dude, with all this, all of this shit with social media,
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Like we, we, we should not be judged for what we did fucking 10 years ago on the fucking
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The whole reason that everybody jumps on people is because they're guilty themselves
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and they want to, they want to jump on these people so that other people don't look at
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And, and, and basically what they're saying is when they jump on and try to cancel all these
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people and judge them harshly is, well, I'm not like that.
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What, what you're, what you're really doing is tell it on yourself.
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Like I don't, people are meant to fuck up and learn and move forward.
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So why, why, why are we allowing these fucking people on the internet to have so much power over
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everybody caused them anxiety, caused them stress, caused them frustration.
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If those people who fucking attack you like that, or standing in front of you, you would
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You would laugh that you were explaining yourself to them.