The Art of Manliness - #90 Master the Money Game With Tony Robbins

00:00:00.000 brett mckay here and welcome to another edition of the art of manliness podcast

00:00:18.900 well many of you probably know who tony robbins is he's the famous motivational speaker he wrote

00:00:24.720 awakening the giant within and whenever you've written posts a few times people have brought

00:00:28.980 tony robbins up anyways it's been 20 years since his last book and he's just come out with a new one

00:00:34.620 it's called money master the game and in this book tony robbins interviews some of the world's most

00:00:41.780 richest wealthiest successful investors to find out what average joes can do and learn from them

00:00:48.220 to invest their money so they can be set up for success and this book money master the game isn't

00:00:53.460 your typical like you know think and grow rich type thing where you just think positive thoughts and

00:00:57.680 money will magically appear tony gets really detailed on what you can do to set yourself up

00:01:04.720 for financial success and it's really boring stuff things like using index funds having a balanced

00:01:09.980 portfolio taking care of insurance so you can protect yourself in case of an emergency having

00:01:14.760 an emergency fund but what makes this book different from other personal finance books that i've read it

00:01:19.740 just gets in the nitty-gritty like super detailed and so it's a big thick old book anyways today on the

00:01:25.660 podcast we're going to discuss what pissed tony off so much that made him want to write this book

00:01:29.880 why the mistakes and myths that many americans believe that put them in financial peril why baby

00:01:37.680 boomers are ill prepared for retirement why you shouldn't invest your money and actively manage 0.99

00:01:42.640 mutual funds and what you should do instead and then also what you can do to maintain a healthy

00:01:48.280 relationship with money so that sure you can focus on building a stable financial life but you don't

00:01:52.960 want money to become the sole pursuit and let it canker your soul so we're going to talk about what

00:01:56.520 you can do about that as well so all in all a very fascinating and just a lot of actionable

00:02:00.800 takeaways from this podcast so let's get on with it

00:02:03.220 tony robbins welcome to the show thanks for having me on okay so your new book is called money master the

00:02:12.020 game but before we get into it this is your first book you've written in 20 years uh what have you

00:02:16.540 been doing and why did you come back after all this time with a book about investing and financial

00:02:21.920 instruments well brad i you know it's i got a few day jobs i you know i'm on a plane about every

00:02:27.920 four or five days i i go to 15 countries of my events i might see sometimes 200 000 250 000 people

00:02:33.700 in a year so um and i have a series of other companies but what pushed me over the edge to

00:02:38.400 finally write a book was uh in 2008 when i saw so many people suffering you know i grew up really

00:02:44.220 a pretty tough environment financially where you know we lost our cars were taken from us our homes were

00:02:48.860 removed there was no money for food at times so when i saw people losing their homes and losing

00:02:54.240 half of their network and i knew it had been manipulated it made me crazy and i thought the

00:02:58.800 government for sure is going to do something and when they didn't two years later i was kind of

00:03:02.680 obsessed with every article every documentary that showed how this occurred and i watched a

00:03:08.180 documentary called inside job which was later on the academy award and that david did the intro the

00:03:12.880 voice offer of it but you know at the end of this thing you saw step by step how small number of

00:03:17.400 people destroyed their whole economy and then the punishment they received was for us to bail

00:03:21.560 them out but worse than that we put them in charge of the recovery so they could make more money and

00:03:25.860 um you know you watch that thing at the end you're either really pissed off and angry or you're really

00:03:29.780 depressed because there are no solutions and i thought to myself there's got to be a solution and

00:03:33.880 this book was that solution because i said you know i have access i have a gift that most people

00:03:37.840 don't have i most people know me or know of me don't know that i've been coaching

00:03:41.900 one of the top 10 financial traders in the world for 21 years his name is paul tudor jones

00:03:47.540 and paul's not lost money in 21 years i'm talking about the 2000 stock market crash he made a ton in

00:03:53.760 1987 he made a ton but uh you know back in 2008 you know when the market was down 50 he made 28

00:04:00.420 positive so i've been with him shoulder to shoulder to all of that and i figured my god i've learned so

00:04:06.360 much but what if i also interviewed 50 of the most brilliant financial minds in the world people that

00:04:11.060 started with nothing and became multi-billionaires you know what about you know hedge fund top hedge

00:04:16.080 fund guys what about you know the noble laureates out there if i went to that side of the table

00:04:20.120 and when i was done i figured okay now if i can simplify this i can now teach people things that

00:04:26.240 nobody's ever taught them before i can take the average investor and show them how to really win it's

00:04:30.100 like leveling the playing field and taking the best of wall street to main street fantastic you know you

00:04:36.500 talked about some of the what got you angry like people just losing their homes losing the retirement

00:04:41.480 savings um and the statistics about how how ill-prepared people are for retirement particularly

00:04:47.840 baby boomers and you talk about that in your book it's really sobering um what what mistake do these 0.99

00:04:53.940 individuals make mistakes or do they believe myths that were out there about how you plan for your

00:04:58.560 retirement how you plan your financial life what what happened there well there's a couple things one is

00:05:04.540 there's been a change in our society in the last generation and that is it used to be you know

00:05:09.040 prior to you and i getting into the workforce that you worked your tail off you went to school you went

00:05:14.000 to work for a big company and you moved up in the organization by adding value and eventually you

00:05:18.440 retired and you have a thing called a pension so unless you work for the state of federal government

00:05:23.420 it's probably not something you've heard of recently because a pension is an income for life however long

00:05:27.880 you live that stuff's gone and we replaced it with a 401k which was never designed to be a pension

00:05:32.700 401k was designed for wealthy people to be able to set aside a little extra money and what happened

00:05:38.460 is you know companies couldn't afford the size and demands of attention anymore in the competitive

00:05:43.660 world we're dealing with and so we moved to 401k as a de facto strategy and of course the challenge

00:05:49.420 is one out of three you know baby members today have a thousand dollars saved for retirement it's

00:05:54.140 insane and the rest have their money in a 401k and they don't know how to run that 401k they don't

00:05:59.260 even know what's in their 401k and if they are in the 401k they put their money in a mutual fund

00:06:03.300 here's the first big myth you know you think if you put your money in a mutual fund obviously

00:06:07.560 that's a professional manager i work for a living i i don't manage money so obviously they're going to

00:06:13.200 do a better job well the truth of the matter is that the statistics show and i got this from everybody

00:06:17.560 from warren buffett to you know the people the university studies is that nobody beats the market

00:06:22.800 there's a few unicorns like ray dalio or warren buffett there's you know paul tudor jones there might be

00:06:28.080 six or seven people that actually built the market beat the market consistently but they're not

00:06:31.620 available to the general public so a mutual fund is a failure 96 of the time they fail to even match

00:06:38.260 the market well the four percent that make it you think i'm going to find them you're not going to

00:06:42.160 find them by going to morning star which is what few people might do because whoever's a five-star

00:06:46.100 morning star doesn't stay a five-star so you know i try to explain to people by giving a metaphor

00:06:50.820 if you've ever played blackjack you know the goal is to get to 21 but if you go over 21 you lose 0.99

00:06:55.860 close up to 21 wins so if you get two face cards and you got 20 you know is your inner idiot going 0.95

00:07:01.540 to say hit me and with a weird chance and maybe you get the ace and win well if you do say hit me 0.89

00:07:07.120 you have an eight percent chance of getting an ace you only have a four percent chance of getting a

00:07:11.280 mutual fund so what has happened to these people is two things the world has gotten so complex in

00:07:16.560 the financial world people are fearful because markets have become extremely volatile all around

00:07:21.040 the world and so what's happened is a significant number of people never get in the game they think

00:07:25.580 i have to have a bunch of money and i gotta make a bunch of money to make money and that is the

00:07:30.120 single biggest mistake i'm sure you've seen that all of your listeners have people that win the

00:07:34.860 lottery and they're broke five years later seven years later eight years later or all these athletes

00:07:39.440 that make these huge fortunes and they end up with nothing or movie stars i mean kim basinger when i was

00:07:44.420 growing up you know she was the top actress in the field she was getting 10 million dollars a picture 0.69

00:07:49.440 she bought a 20 million dollar town in texas bankrupt you know you can look over and see 0.96

00:07:54.500 somebody like mike tyson the guy made a half a billion dollars in income and went bankrupt you

00:08:00.100 know michael jackson was virtually bankrupt right before he passed away and died so it doesn't matter

00:08:05.080 how much money you earn contrast that to theodore johnson theodore johnson is a guy that worked for

00:08:11.860 ups started out as a driver never made more than 14 000 a year in his life never more than 14 grand

00:08:18.860 but in his senior years it was worth 70 million dollars now how the hell do you do that in 14

00:08:24.880 grand the answer is really simple you ask warren buffett warren why you're rich he said three things

00:08:29.780 one i'm rich because i grew up in america with this opportunity two i got great genes so i lived a long

00:08:35.360 time and three compound interest this kid this man beato johnson just took compound interest and he did

00:08:42.360 the first thing i teach which is stop thinking you need a billion dollars and take a percentage of what

00:08:48.120 you earn today as little as it may be and automate it so you never see it he had 20 taken out of his

00:08:54.200 check and put an investment account that sounds huge most people say i can't save 10 percent well

00:09:00.020 even if you save five percent and you go to your employer and say every raise i get in the future

00:09:04.320 take out three percent and don't let me ever see it research shows that if you do that over 10 12

00:09:09.220 periods of time you'll be saving 15 before you know it we start saving 15 financial problems are not

00:09:15.320 going to be yours you'd be moving forward especially for your audience your audience has got time to

00:09:19.920 certainly become financially wealthy so that's the very first step and it's really what most people

00:09:24.400 fail to do okay so you mentioned uh mutual funds that's where a lot of people go and i think people

00:09:30.020 go there because that's where the market like you watch the tv commercials right or you read the

00:09:34.480 pamphlets and say wow this sounds great um but yeah they don't perform well where should people put

00:09:40.420 their money in than if mutual funds actively uh managed mutual funds aren't the place to go

00:09:45.080 and you brought you brought the right language active see if you're hiring somebody and they're

00:09:49.340 having to decide which funds to put together which stocks to put together into a fund they just don't

00:09:54.060 beat the market what you want to do is own the market itself and the world we live in today that's

00:09:58.420 called an index fund in fact i interviewed jack bogel who's the creator of index funds he's now 85 years

00:10:04.700 old he's been in the stock market for 63 years and he wanted to create a way for the average investor

00:10:09.780 anybody take a tiny amount of money and get a piece of all the biggest companies in the stock

00:10:15.500 market so we have the vanguard 500 so like the s&p 500 it's the biggest company so it's coca-cola

00:10:21.000 it's exxon it's these companies and what happens is you get a little piece of all of them but here's

00:10:25.340 the real secret why would you do that versus the mutual fund because the mutual fund first of all

00:10:30.200 doesn't beat the market because it's some mix it's not all 500 it's a mix of what they think will make

00:10:34.640 sense which never does long term but also number two it's the cost to have that manager make those

00:10:41.260 decisions they bury huge costs when you ask somebody how much does your mutual fund cost you

00:10:46.060 99% of people i've asked i've asked during this whole media tour i've had one person think they knew

00:10:51.660 the number the rest had no clue and the one who thought they knew the number they were dead wrong

00:10:56.000 so here's why most people if they think they know they'll say it's about one percent that's what

00:11:00.640 most you know money managers will throw around but one percent is called the expense ratio that is

00:11:06.600 like the beginning of the sticker shock if you leave that actual 50 page prospectus that comes

00:11:11.800 with you know your mutual fund which nobody does you'll find there's 17 other costs they may not

00:11:17.260 call them fees but their costs they come off the top you don't you won't get any money until that's

00:11:21.660 handled so Forbes did an article they said the average mutual fund today costs 3.17 now 0.53

00:11:27.280 before i lose your readers i go who gives a shit about three percent you got to remember just the 0.84

00:11:31.600 same way that 14 000 was compounded at 70 million compound fees compound also it's called the tyranny of 0.92

00:11:38.060 compounding fees and so what happens is for every one percent you give up over the lifetime of your

00:11:43.860 investing that's 20 percent of all you're ever going to earn so you give up 30 percent three percent

00:11:49.840 you're giving up 60 percent so try this on for size if i said to you here's an investment i want

00:11:54.840 you to make i want you to put up all the money i want you to take all the risk i'm going to put up

00:11:59.100 no money i'm going to put up no risk if you lose i still get paid and if you win i get paid more 0.77

00:12:03.820 in fact i get 60 percent of your total return would you make the deal most people say are you crazy

00:12:10.040 that's what 13 trillion dollars with the mutual funds are based on so actively managed so you want

00:12:16.040 to go not active you want to go passive passive means just you just buy the market and so here's

00:12:21.140 here's a perfect metaphor for you right now you can buy the vanguard 500 you get a piece of all

00:12:26.360 the top 500 companies in the stock market from vanguard for 0.17 is your cost that's less than two

00:12:32.540 tenths of a percent as opposed to 3.17 so you understand what the magnitude means if you found

00:12:39.960 out you paid 350 000 for you know a honda accord and your neighbor got the same car for 20 000 which is

00:12:47.840 the equivalent number 0.17 versus 3.17 that's the difference 20 grand versus 350 grand or another

00:12:55.340 way of putting it would be if you had two people and one is and they both invest they get the same

00:13:00.580 return let's say they start out with uh you know a hundred thousand dollars and at 35 years old they

00:13:06.180 put that money aside they forget about it and they go out at seven percent a year they never add

00:13:09.960 anything else and they do it for 30 years until they're 65 so that 100 grand with no other help if it

00:13:16.120 goes at seven percent will be worth 574 thousand dollars when you turn 65 30 years from now but

00:13:21.860 if you pay three percent in fees it's not worth 574 it's not worth 500 it's not worth four it's not

00:13:27.540 it's worth 324 000 a quarter of a million less or a better way of describing it 77 percent less money

00:13:33.800 and you got the same return the only difference was the fees so i show people how to protect themselves

00:13:39.720 most people you're the chess piece i want to make you the chess player i want to make you the insider

00:13:45.540 so this never happens to you so all that money goes in your pocket so set aside money early and

00:13:50.620 often and focus on index funds as opposed to actively managed mutual funds well that's one

00:13:56.200 that's one part one part you know as i work as i wrote in the book and you got a member i interviewed

00:14:00.660 carl icon and ray now you don't know let's talk about ray for a second yeah most people don't even

00:14:06.080 know ray's name right so but in the investment world the president of the united states knows ray

00:14:10.000 you know janet yellen the head of the fed knows ray the premier of china knows ray in fact

00:14:14.600 my dad went to go see him the premier you know reached out and wanted some coaching he manages

00:14:18.560 money for for countries you know a large hedge fund where rich people will tend to put their money

00:14:23.620 might be 15 billion dollars me but ray is 160 billion 10 times larger than the largest hedge fund

00:14:32.180 so i want to sit down with him and this is a man to give you perspective

00:14:35.640 that you know in order to get give him any money 10 years ago you had a five billion dollar net worth

00:14:42.400 you have a hundred million dollars now 10 years ago he stopped taking money so now it doesn't

00:14:47.140 matter what you got he won't take it i spent three hours with him and as i'm doing i said to him i

00:14:51.940 asked him questions i asked all of the people that i interviewed and that was look if you couldn't give

00:14:57.640 your money to your children and all you could give them was a strategy uh a set of rules uh a

00:15:04.200 portfolio if you will what would it be if you were trying to help them start with nothing and build

00:15:08.840 the financial freedom and also not have that crazy ups and downs in the market is there a way to do

00:15:13.360 it and ray said to me there's absolutely a way to do it i spent 10 years of my life put it together

00:15:18.500 it's called the all-weather strategy and literally you make money no matter what the weather whether

00:15:23.000 the market's going up or the market's going down whether that's whether there's you know gold is

00:15:28.240 going up or down whether you're in a place where you know you you see real estate going up or down

00:15:33.320 doesn't matter and i said well explain it to me laid it all out for me and i said this is brilliant

00:15:38.500 we spent you know i don't know 30 minutes talking about it and i said you know the problem is the

00:15:42.600 average person just doesn't have any time and you just got done telling me the average person's never

00:15:46.280 going to make money going to a wealth manager or to a money manager or you know to a mutual fund

00:15:50.780 so i said what you told me is great but it's not going to help somebody because they need to know

00:15:55.380 the percentages i mean you like told me make the best chocolate cake but here's what you do use

00:15:59.240 some chocolate use some sugar i need to know the percentage of each of those that's where the

00:16:03.240 secret is he goes well that's my secret sauce i said right he goes i can't get to that he went

00:16:07.760 through the whole 100 billion you know 5 billion 100 billion thing and i said yeah but you're not

00:16:11.860 taking money so why not give it you're one of the most generous human beings i've ever met i said

00:16:16.880 you're giving away half your net worth eventually anyway why don't you help the average person out

00:16:20.840 right now and he said well it's really complex i said i can make things simple i'm pretty smart

00:16:25.920 you said well there's leverage i said why don't you design one without leverage so we designed

00:16:30.780 something it's not the all-order strategy it's slightly different but it's based on the same

00:16:34.160 principle it's called all season and if you take this strategy and you apply it if you back test it

00:16:39.320 not make up some monte carlo what you think the future will be but if you back test it not for a

00:16:43.980 year five or ten but for 75 years the modern period of investing you find out he's been successful in

00:16:50.960 making money 85 of the time and when it little times it lost money its average loss is 1.6 percent

00:16:58.520 in fact the largest loss think about it the last 10 years there have been 250 ups and downs in the

00:17:03.880 market 2000 2008 you lost half of all you have think about how volatile markets have been 75 years

00:17:10.040 in 75 years the most we've ever lost is 4 percent not even 4 minus 3.95 percent and the average return

00:17:16.700 it's been just under 10 so it is the smoothest ride anybody i've shown it to has ever seen in

00:17:21.900 their life and he gave it for free i mean you can go get my book and you can go apply this yourself

00:17:26.440 15 minutes a year and you're done or you're gonna have somebody else do it for you but this is just

00:17:31.480 one of many strategies i also got david swenson david swenson is from yale he took one billion dollars

00:17:37.540 in funds of yale and turned it to 23.9 billion 24 billion in two decades almost a billion a year

00:17:43.960 you can imagine that and he gave me his exact portfolio of what he would suggest for somebody

00:17:48.640 who wants to build so the book is not just index funds that's interesting and some people already

00:17:53.960 know that it's if you're going to invest in the market alone then index funds yes and you reduce

00:17:58.480 your fees but if you're really looking to maximize your return and reduce your risk then you got to

00:18:02.540 look at what the best investors in the world talk about and that's why one of the principles is

00:18:05.940 invest like the 0.001 percent not the one percent the 0.001 percent of the people i interviewed i

00:18:11.480 interviewed 50 and i put 12 interviews shortened versions of those interviews massively shortened

00:18:16.340 in the book because the interviews were three hours long so 75 page notes for each interview

00:18:20.960 but i did about 12 pages of some of the core principles with each of 12 of the best investors

00:18:26.060 on earth yeah i thought it was interesting a common thread through all of them was their like their

00:18:30.420 strategy was don't lose money like that was their top priority and then like making money came in later

00:18:36.380 well you know it's interesting there are two things they're obsessed by they're all different

00:18:41.540 like carl icon goes and shakes the c-suite and threatens if you don't maximize this business i'm

00:18:46.540 going to knock to throw you out uh then you go to somebody like you know jack mogul who says

00:18:50.480 live the index then you go to somebody like paul tudor who's a macro trader they all do different

00:18:55.840 things but the one thing they all have in common is these two obsessions one as you said they don't

00:19:01.980 lose and the reason they don't lose is they know if i lose 50 i got to make 100 to get even that

00:19:07.140 could take years that could take a decade that could take an enormous amount of time energy at

00:19:10.660 risk on the other hand though they know they're going to be wrong so they have a plan to protect

00:19:14.560 themselves so the one thing that they do to protect themselves and make money is they live for what's

00:19:20.160 called asymmetrical risk reward asymmetrical risk reward simply means most people think these wealthy

00:19:25.600 people take huge risks and they teach huge rewards the truth is they take the least amount of risk

00:19:31.140 possible for the maximum amount of upside so in paul tudor jones's example he'll his strategy is i

00:19:38.000 want to risk a dollar because i believe i can make five i know what he wrong some of the time so if i

00:19:42.560 risk a dollar lose five and i go with another dollar i risk two now and make five i'm still doing great i

00:19:47.960 can risk four out of five times and still be in great shape and he's not wrong four out of five times

00:19:52.300 or another example is kyle bath kyle bath took 30 million dollars and turned it into a hundred excuse me

00:19:58.120 two billion dollars from 30 million in two years in the middle of the worst economic crisis we've had

00:20:03.900 in 80 years how did he do it he did it because he never risked more than six cents to make a dollar

00:20:10.120 let me think about that if you're a six cents make a dollar he failed nice and another six cents he spent

00:20:14.900 12 cents to make a dollar if he's wrong four times it's 24 cents to make a dollar i mean he could be

00:20:20.360 wrong 15 times and still make money and he wasn't wrong 15 times but that's one of the biggest things that

00:20:26.300 people learn in the book how do i get asymmetrical risk reward this is my friend they're taking me

00:20:30.620 out of here for my next meeting you have one last question yeah one last question so we talked about

00:20:34.280 all this uh you know how to make money but how do you uh maintain a healthy relationship with money

00:20:40.140 um while you're trying to get your financial house in order so he doesn't like canker your soul or let

00:20:45.060 it become your obsession well i think the fastest way is to disavow yourself of the bull beliefs that

00:20:52.720 people have that money changes you money will make you more of what you are if you're mean you have

00:20:57.820 more to be mean with if you're loving and giving you'll be more loving and giving with it it's a

00:21:01.960 total story that you're going to become obsessed by unless you already screwed up in which case you

00:21:06.600 should go work on yourself but the vast majority of people what they'll find when they have more

00:21:11.760 abundance is that they'll be more of who they are they'll be a bit more relaxed and so i think we make

00:21:16.740 this whole story up in our society because people are so afraid to be judged it's not what money does

00:21:21.420 it's your fear about other people judging you because if we live in a society where money is

00:21:26.180 a reflection of power so if you if people have money some people are embarrassed they have it some

00:21:31.040 people are humiliated they don't have it it's like a shapeshifter it's like a canvas whatever you 0.98

00:21:35.420 project on it that's what it is for you but ultimately it's portable power you can use money to save a

00:21:41.360 life you can use money to put out a life i mean it can create or it can destroy you can start a

00:21:46.320 business or you can put somebody out of business so i really look at it this way i say look it's a

00:21:51.380 tool it's a tool you need to master if you don't master money it's going to master you

00:21:54.860 and stop all the stories in your head about all the emotion about it the emotion is your own normal

00:21:59.700 emotion you have it about other things too all it is is that money is something that people

00:22:03.700 identify with and so often if someone's doing well rather than saying i'm not doing as well and i'd

00:22:09.980 like to really learn from them which is a little scary because what if i try and fail instead we have

00:22:14.860 to subscribe some negative motivation to them they don't give a shit about anybody i mean in my book 0.82

00:22:19.300 i'm donating all the money for this book to charity and then some i was fed when i was 11 years old 0.59

00:22:24.680 that changed my life so i've been feeding people ever since started with two and four and eight

00:22:29.320 families and i built it you know over the years so i fed 42 million people so when i was working on

00:22:34.260 this book i said okay i'm going to donate the money i'm donating 50 million meals and i got people 0.98

00:22:39.680 writing me going oh you're just in the money and you're an asshole and my book will never sell 50 0.93

00:22:44.620 million meals i've written a big check way beyond what i got in this book so people don't want to be 1.00

00:22:48.880 confused with the fact that you're going to try to please everybody else you're going to have no life

00:22:52.640 the only way not to be criticized is do nothing say nothing and be nothing i'm not willing to do

00:22:58.360 that neither was aristotle and neither should you awesome well tony robbins thank you so much for

00:23:03.280 your time it's been a pleasure thank you very much take care take care our guest today was tony robbins he

00:23:08.240 is the author of the book money master the game seven simple steps to financial freedom you can find that

00:23:13.880 on amazon.com and books everywhere you can also go to money master the game.com for more information

00:23:20.240 and for some free resources well that wraps up another edition of the art of manliness podcast

00:23:26.560 for more manly tips and advice make sure to check out the art of manliness podcast at

00:23:30.260 art of manliness.com and i really appreciate if you go check out our online store at store.artofmanliness.com

00:23:37.280 we just released this really fantastic benjamin franklin inspired journal we basically took

00:23:43.740 benjamin franklin's personal diary and virtue charts that he created for himself to live a better

00:23:48.460 life and replicated it it looks really great and it's selling like hotcakes it makes a great christmas

00:23:54.340 gift great birthday present so you can find that on store.artofmanliness.com and your purchases

00:24:00.600 there will supports the show and supports the website so i'd really appreciate that so until next time

00:24:05.860 this is brett mckay telling you to stay manly

00:24:08.740 you

The Art of Manliness - November 21, 2014

#90 Master the Money Game With Tony Robbins

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