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Speaker 1: I love pop culture. I love the Kardashians, I love Beyonce,

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Speaker 1: Like I want to be these women, right, But what

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Speaker 1: if there was a woman that I wanted to be

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Speaker 1: who made it feel aspirational to grow wealth and like

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Speaker 1: to be go with money? And so I couldn't see her?

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Speaker 1: So I became her.

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Speaker 2: My guest today is the one and only Hailey Sacks,

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Speaker 2: better known as Miss dal Jones, financial expert, host of

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Speaker 2: the Financial Tea podcast, and now a New York Times

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Speaker 2: bestselling author her book Future Rich Person. People love her.

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Speaker 2: Her content is so good. She has built a massive

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Speaker 2: following by making money feel funny and relatable and actually

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Speaker 2: understandable for millennials and gen z. And we talk investing,

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Speaker 2: and she's got pop culture, she's got comedy, she's got

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Speaker 2: brutally honest financial advice. We don't do a lot of

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Speaker 2: finance on this show. This is great. I really loved

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Speaker 2: this and let's get to it now Here she is

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Speaker 2: Hailey Sack. Can I tell you an investment that I

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Speaker 2: have here?

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Speaker 1: Tell me all of them?

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Speaker 2: No, not all, but.

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Speaker 1: Besides your shoes, which I'm going to mug you for.

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Speaker 2: Thank you. I'm in New York. It feel perfect. Right,

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Speaker 2: uh Waterloo? Oh great, I like water as soon as

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Speaker 2: they started, as soon as they.

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Speaker 1: That's a good and you're gonna be a good xcent

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Speaker 1: from that.

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Speaker 2: I am from Oh I lived in Austin for thirteen years.

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Speaker 1: Okay, I hear it.

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Speaker 2: It's an Austin well from Arkansas. So that's probably what

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Speaker 2: you here.

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Speaker 1: Yeah, yeah, yeah, don't even.

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Speaker 3: So.

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Speaker 2: When I was moving from Austin, I had such great

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Speaker 2: relationships out of an Austin company said hey, we're starting a

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Speaker 2: water company and do you want to get in? And

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Speaker 2: I think they had an alcohol company, like, and I

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Speaker 2: said yeah, sure, And I was just starting to make

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Speaker 2: money yes, and I said sure, and I put in

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Speaker 2: some money and the company's doing awesome.

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Speaker 1: No, it's everywhere. It's really everywhere.

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Speaker 2: I'm pretty excited about that one.

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Speaker 1: Yeah. I hope you got a big exit because I

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Speaker 1: feel like all the big brands like a Pepsi or

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Speaker 1: co Cola, like they want to acquire all those companies.

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Speaker 2: Yeah, that's that's what I hope. So that's one I

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Speaker 2: jumped into a restaurant.

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Speaker 1: That's we have talked about that so correct I. So

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Speaker 1: you did all like fun investments, is what I'm hearing

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Speaker 1: so far.

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Speaker 2: That's the only one that I talk about because the

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Speaker 2: other ones, Yeah, I know you're the expert. By the way,

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Speaker 2: congratulations on the book. Thank you so as you can

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Speaker 2: As you guys can see, she didn't even ask for

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Speaker 2: this to be put on the table for the record.

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Speaker 2: There was no demand of her putting this on the table.

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Speaker 2: This is called future rich person. So I grew up

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Speaker 2: extremely poor, like food stamps, welfare, grandma all this right,

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Speaker 2: So I didn't know money and it was a book

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Speaker 2: for me that helped when I started to make money,

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Speaker 2: and I think your book does the same thing current

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Speaker 2: time for people. The book that I read when I

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Speaker 2: was just starting to make money was Rich Dad, Poor Dad.

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Speaker 1: I was like, oh, okay, awsat's not liabilities.

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Speaker 2: I think your book is the newer, more connected, current

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Speaker 2: version of that for people. That's so nice, And I

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Speaker 2: hope that's a compliment to you because.

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Speaker 1: It's a huge compliment. And that's like what I wanted

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Speaker 1: to do was well with First, I wanted to modernize

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Speaker 1: the financial advice because I mean, rich a Porto obviously

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Speaker 1: has like amazing pillars in it that are true even

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Speaker 1: in current day, like buying assets instead of liability. Yeah,

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Speaker 1: it's a very old school and the world has changed

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Speaker 1: so much, and especially like my audience as millennials and

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Speaker 1: gen z and we're living in this world of you know,

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Speaker 1: wages have increased seven percent since two thousand, but the

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Speaker 1: cost of living has increased sixty seven percent, and student

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Speaker 1: loan debt is crazy, and like we feel like AI

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Speaker 1: is taking all the jobs and just like all of

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Speaker 1: the we're living and we've inherited a very different world

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Speaker 1: than the financial advice is tailored to. And so we

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Speaker 1: need a modern book. That's why I wrote The New

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Speaker 1: Rules of Building Wealth. But I want to go back

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Speaker 1: to what you said about how you grew up, because

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Speaker 1: I talk about it in the book that the data

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Speaker 1: shows that by the time you're seven years old, your

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Speaker 1: relationship with money is set. So I'm interested in how

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Speaker 1: you sort of worked through your money mindset having grown

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Speaker 1: up with such scarcity now to still feel that way.

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Speaker 2: Oh yeah, yeah. I had a relationship with the money

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Speaker 2: that was this is never going to last. And I

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Speaker 2: had two ways to handle the money. Either save it

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Speaker 2: all and never spend a dollar, or give it all away.

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Speaker 2: And that's the only two things I would do because

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Speaker 2: having none. I wanted to make sure that I had

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Speaker 2: some to pay bills next month, even when I made

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Speaker 2: a lot of money. But also at the same time,

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Speaker 2: it was, well, I didn't have a whole lot, so

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Speaker 2: I want to give it all away. So I was

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Speaker 2: constantly bouncing between the two, and so that was my relationship.

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Speaker 2: Never had it and to make sure I have it,

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Speaker 2: you know what, I don't need it, I want to

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Speaker 2: give it all away. And that that was pretty much

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Speaker 2: the cycle I lived in.

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Speaker 1: And then how did you break out of that?

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Speaker 2: I got a business manager and she shook.

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Speaker 1: Me, Yeah, you need always like you have like that

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Speaker 1: money aha moment. I talk about that in the book,

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Speaker 1: and it's either like can come from yourself or like

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Speaker 1: you know, you're lucky enough to have someone in your

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Speaker 1: life who shakes you, or it could be even just

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Speaker 1: reading a book and it wakes you up, but something

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Speaker 1: that makes you realize, like, oh this is real, Like

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Speaker 1: I have to actually learn how to do this.

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Speaker 2: I started to make money and I had to pay

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Speaker 2: a bunch of percentages out to people, which I was

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Speaker 2: not used to. I was paying like people in my band.

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Speaker 2: I was paying different taxes in all these different states.

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Speaker 2: If I was doing stand up, I was paying and

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Speaker 2: I was like, I can't do this. I don't know

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Speaker 2: what's going on. So I had to hire somebody. But

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Speaker 2: that's it was wild to hire somebody to take care

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Speaker 2: of my money, yeah, because that was my money. Yeah,

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Speaker 2: as a poor person, that was the weirdest thing I've

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Speaker 2: ever had to do, was pay somebody to take care

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Speaker 2: of my money. And you still have the same business

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Speaker 2: for fifteen years. Just like the closest person to me

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Speaker 2: other than my wife, Yes, yeah, it's her, so it

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Speaker 2: should be. Yeah, And I call her sometimes and I'm like,

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Speaker 2: we're good, just to be like. But I tell me,

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Speaker 2: if this is healthy. I log in because I have

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Speaker 2: like a portal into all the all my accounts. I

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Speaker 2: log in and probably look at it like seven times

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Speaker 2: a day.

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Speaker 1: I mean, I don't know if that's probably not healthy,

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Speaker 1: but like, but I think that, like it's whatever works

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Speaker 1: for that. I would rather you keep a really close

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Speaker 1: eye on things versus no eye at all, because what

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Speaker 1: I see most is that people just manage to their

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Speaker 1: finances sort of on vibes, and they never actually know

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Speaker 1: what's going on because they don't want to know, and

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Speaker 1: so they just sort of live with the blanket over

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Speaker 1: their head.

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Speaker 2: I think my situation is so different because I went

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Speaker 2: from nothing to a lot, and I didn't have a

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Speaker 2: lot of middle time. Yeah, and so I don't think

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Speaker 2: that money you're little.

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Speaker 1: Did you always think that? Like, was that like in

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Speaker 1: your head how it was going to happen?

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Speaker 2: In my head? My whole life, I thought I was

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Speaker 2: going to be extremely rich because I was going to

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Speaker 2: be extremely famous.

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Speaker 1: There you go, like I always and you have to

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Speaker 1: have that sicko belief in order to make it happen,

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Speaker 1: like it's not. I'm not surprised at all to hear you.

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Speaker 2: Say that I always Yeah, I guess I didn't know,

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Speaker 2: but I knew.

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Speaker 1: No, that's how I am too, Like I was like, oh,

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Speaker 1: I know what I'm going to do, Like I knew

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Speaker 1: the feeling that I wanted from work.

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Speaker 2: It wasn't never about money, like I made money, not

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Speaker 2: chasing money because I was fine without money.

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Speaker 1: Yeah, you've chased your passion yep.

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Speaker 2: And so if you go into your DMS, what normal

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Speaker 2: question do people ask the most like? Because again it's

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Speaker 2: not normal for me on either side of it. So

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Speaker 2: what do people mostly hit you up about? In just dms.

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Speaker 1: Oh my god, Well, I get really the craziest dms

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Speaker 1: to be honest, because I run a segment called Financial Secrets,

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Speaker 1: So I get everyone's financial secrets about like a lot

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Speaker 1: of people hiding money from their spouses, a lot about inheritance,

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Speaker 1: like wondering what to do, like if you get a

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Speaker 1: bunch of money, A lot about finding out someone at

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Speaker 1: their company who has the same job as them is

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Speaker 1: making more than them. Talk about that, yeah, which is crazy.

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Speaker 1: So I mean, legally, there's nothing that says that if

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Speaker 1: you work at a company and me and you have

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Speaker 1: the same role, they have to pay us the same amount.

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Speaker 1: You know, but I might make more money because I'm

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Speaker 1: just more I'm better negotiator. And so but when you

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Speaker 1: find that out, I think it's really hard because you

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Speaker 1: don't really know what to do with information. But for

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Speaker 1: I think you need to reframe that and sort of

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Speaker 1: realize that it means that, like, you can get more money.

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Speaker 1: It doesn't mean that you should get more money by saying, hey,

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Speaker 1: you know, Shila is making more. But like when you negotiate,

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Speaker 1: you should say, oh, well, I've looked at, you know,

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Speaker 1: statistics of this position in other companies and you know

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Speaker 1: what the going rate is and I am underpaid, Like,

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Speaker 1: can we have this discussion.

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Speaker 2: I have found that when people are coming to me

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Speaker 2: to ask for more money, just the best communication method is, Hey,

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Speaker 2: what can I do to make this level of money?

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Speaker 1: No, that's so true. I talk about that in the

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Speaker 1: book because I have a whole I'm like very much

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Speaker 1: a financial expert who is about making more. Like I

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Speaker 1: believe that there is a floor and how much we

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Speaker 1: can cut, but no ceiling to how much we can make,

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Speaker 1: and that especially for women, we encourage so much scarcity

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Speaker 1: instead of teaching women how to actually just make more,

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Speaker 1: which is going to create such differ like you cutting

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Speaker 1: avocado toaster a latte isn't going to move the bottom

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Speaker 1: line as much as like making you know, forty fifty

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Speaker 1: thousand dollars more a year like apples and oranges, and

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Speaker 1: so yeah, I think that it's really important for you

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Speaker 1: to focus on actually making more. And in the book

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Speaker 1: there's a whole chapter called secure the Damn Bag, which

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Speaker 1: is about how to make more money, and a pillar

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Speaker 1: of it is just being good at your job, like

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Speaker 1: literally try like because when you go in and negotiate,

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Speaker 1: I talk about this in the book that you have

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Speaker 1: to have a wins folder. So in your wins folder,

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Speaker 1: put in all the things that you've done right and

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Speaker 1: why you are more valuable than I think, and why

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Speaker 1: would be upset to lose you and all the great

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Speaker 1: work that you've done, and then ask for more.

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Speaker 2: So present data, then ask for more.

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Speaker 1: Yeah, you have to present data, Like you don't just

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Speaker 1: deserve a raise because you've been there for a certain

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Speaker 1: amount of time. You know, you deserve get You get

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Speaker 1: a raise if you are doing more work and adding

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Speaker 1: value to the business, you know, and because I want

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Speaker 1: to keep you.

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Speaker 2: Yeah, it's really hard to replace people too.

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Speaker 1: So expensive and to find some like I find high.

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Speaker 1: I don't know what your experience has been with hiring,

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Speaker 1: but for me, it's been really difficult. And so it's

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Speaker 1: like if I find someone good, like that's someone that

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Speaker 1: like I want to cultivate and keep.

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Speaker 2: Where do you feel like people waste their most money?

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Speaker 1: I think, Well, we're in this age of frictionless finance,

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Speaker 1: so like everyone is sort of using Apple Pay, like

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Speaker 1: Apple be paying, and we're just like on Instagram seeing

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Speaker 1: this influencer wear this new outfit or whatever, and we

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Speaker 1: want to be like them. It seems like their life

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Speaker 1: is so much better than ours, which is like they're

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Speaker 1: getting paid to show you that life that you aspire to,

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Speaker 1: so you will buy it, And so we buy whatever

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Speaker 1: they're wearing to have that feeling and that impulse by

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Speaker 1: is like all out of emotion, and that's really where

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Speaker 1: I think that people's finances deteriorate.

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Speaker 2: Social media has really mastered the dopamine hit though totally.

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Speaker 2: And the pause, I mean, I know what is happening

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Speaker 2: to me, and I still enjoy it, Like I double

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Speaker 2: click that Apple Pay and like, I know it's the

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Speaker 2: dopamine here that's gonna And I don't even really want

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Speaker 2: this freshman's poster, but I'll want to hit it anyway.

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Speaker 2: Boom boom Oh that.

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Speaker 3: It arrives and you're like, whatever, I'm going to put this, yeah,

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Speaker 3: And it's just like so annoying to send it back

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Speaker 3: because it was like thirty dollars and you're like, well,

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Speaker 3: the shipping back is sixteen dollars, so should I do it?

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Speaker 1: And then you're stuck with junk and it's in your

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Speaker 1: garage and it's like it actually deteriorates your mental health

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Speaker 1: more than it improves it, so I would say the

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Speaker 1: frictionless spending. And that's why I always encourage more friction

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Speaker 1: in your finances. Like I'm like remove Apple, pay on,

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Speaker 1: subscribe from newsletters. I'm the queen of unfollowing, and honestly

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Speaker 1: I'm the queen of returning because even though I'm a

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Speaker 1: financial expert and all these things, and like I wrote

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Speaker 1: this book, whatever, it still happens to me and I

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Speaker 1: think that's really important to say. And I say that

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Speaker 1: in the book A lot is like, look, I'm not perfect.

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Speaker 1: Like it's like there's we're in a the world is

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Speaker 1: set up for us to be so targeted. Like you

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Speaker 1: go on a website and there's all these like cookies

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Speaker 1: in the website that then are going to follow you

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Speaker 1: around the internet trying to get you to buy that

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Speaker 1: thing that you saw. You know what I mean. Like

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Speaker 1: we're literally it's like basically impossible not to buy things,

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Speaker 1: you know, because we're so marketed.

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Speaker 2: To what I did. And you said that, and it's

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Speaker 2: what I continue to try to do is take the

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Speaker 2: extra three seconds when you hit me with accept all cookies,

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Speaker 2: I do the go in one more level and put no,

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Speaker 2: do no. Because when I accept all cookies. Man, the

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Speaker 2: cookies at me, like, and those cookies are so good,

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Speaker 2: they're so and I buy whatever I'm buying sself like

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Speaker 2: crazy because they know exactly what I.

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Speaker 1: Want want, and I got annoyed to when I see it,

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Speaker 1: like I'm like, oh, they're showing me that dress again

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Speaker 1: and again and again.

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Speaker 2: And it's so easy to hit accept all cookies though,

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Speaker 2: because you just want to see the website. But if

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Speaker 2: you just do the go, it's like whatever it is

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Speaker 2: edit setting. Literally it's one button and then it's no,

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Speaker 2: and then it doesn't see everything that you're doing. There

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Speaker 2: you go, and so I do that. It's such a

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Speaker 2: good tip to keep myself from buying as much crap

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Speaker 2: because it's really just crap.

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Speaker 1: Too, and that hurts your mental health. It's I guess

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Speaker 1: it's about the like the financial back of it, but

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Speaker 1: it's also like you're right, like it's like then you

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Speaker 1: have that poster that you didn't even really care for

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Speaker 1: and you're just like, cool, what do I do? Yeah?

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Speaker 2: I got yeah, I got this baseball glove? Exactly am

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Speaker 2: I going to do? Did you ever have a like

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Speaker 2: a bottom, like a low where you're like, oh no,

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Speaker 2: I got to fix what I'm doing financially well.

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Speaker 1: So I started as a comedian and so my first

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Speaker 1: job out of college was for David Letterman, and then

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Speaker 1: I got a job working for Lauren Michaels at his

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Speaker 1: digital production company called Above Average. And it was like

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Speaker 1: a coup of a job because you know, in comedy,

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Speaker 1: it's like you're you're out there for yourself, like there's

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Speaker 1: no like easy Street, there's no like corporate track to

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Speaker 1: lift yourself up if you really have to do it

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Speaker 1: just day by day, brick by brick, you know, on

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Speaker 1: your own. And so this felt like a cheat to

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Speaker 1: that because it was like, great, I'm going to be

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Speaker 1: in the you know, SNL ecosystem, and I have a

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Speaker 1: full time job, and we're going to like be put

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Speaker 1: in front of all these agents and managers and whatever

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Speaker 1: they're going to platform us. And this is sick. And

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Speaker 1: then so I like meant a lot to me to

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Speaker 1: have it. But I never had a full time job

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Speaker 1: because I'd been doing comedy up until that point, which

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Speaker 1: is all ten ninety nine work, or I'd been having

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Speaker 1: these part time jobs on top of it to keep

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Speaker 1: myself afloat, like I was a nanny. I worked at

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Speaker 1: a pilates studio like just whatever. I was making videos

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Speaker 1: on the side for companies, like just piecing it together

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Speaker 1: as we all do in our early twenties. And so

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Speaker 1: the first day of that job, where I really wanted

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Speaker 1: them to like me and like to go really well,

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Speaker 1: they asked me about like health insurance and four o

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Speaker 1: one ks and I was expected to know how to

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Speaker 1: read a paycheck and all these things, and I had

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Speaker 1: no idea, and I was so embarrassed, like truly, I

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Speaker 1: was humiliated, and so I sort of just like nodded,

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Speaker 1: pretended like I didn't think a four oh one k

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Speaker 1: was a road race, and went home and tried to learn.

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Speaker 1: And then what I found was the information for women

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Speaker 1: was so much about scarcity and deprivation, like literally about

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Speaker 1: like rewashing your paper towels or like never buy a

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Speaker 1: pre cut vegetable like or of course no avocado TOAs

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Speaker 1: no lattes, like just so much about depriving yourself and

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Speaker 1: that being like being good with money as a woman,

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Speaker 1: like whatever, that's not true at all, nothing about building

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Speaker 1: wealth or you know, negotiating or making money or anything

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Speaker 1: like that. And then the information firm that was more

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Speaker 1: like Maile centered was just by these guys who look

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Speaker 1: like they'd really never been through puberty, and they were

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Speaker 1: so boring and it was like so jargon heavy and

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Speaker 1: just didn't relate to me. And so what I realized

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Speaker 1: is like, Okay, I live in this world where everything

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Speaker 1: feels really like fun and aspirational, Like I love pup culture,

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Speaker 1: I love the Kardashians, I love Beyonce, Like I want

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Speaker 1: to be these women, right, But what if there was

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Speaker 1: a woman that I wanted to be who made it

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Speaker 1: feel aspirational to grow wealth and like to be good

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Speaker 1: with money and actually like you know, max out your

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Speaker 1: roth ira or you know, like negotiate your salary or

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Speaker 1: say no to a bacherette trip or you know, do

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Speaker 1: any of these things that are sort of pillars to

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Speaker 1: a financial life. And so I couldn't see her, so

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Speaker 1: I became her.

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Speaker 4: Let's take a quick pause for a message from our sponsor,

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Speaker 4: and we're back on the Bobby Cast.

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Speaker 2: And so that's when you realized you wanted to learn

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Speaker 2: more and educate yourself. Did you dive in?

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Speaker 1: Well, that was like I was patient zero. So I

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Speaker 1: was like, Okay, that's how I'm going to learn. That's

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Speaker 1: what's going to interest me and then really what I did,

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Speaker 1: and you have the same story as me, where it's

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Speaker 1: like financial books are really the key to like starting

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Speaker 1: that financial journey. Like that's why I was so excited

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Speaker 1: to write a money book too, because to me, like

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Speaker 1: that is what propelled everything for me. I just read

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Speaker 1: so much and I became an expert through that.

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Speaker 3: I feel like there's so much bad advice on TikTok,

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Speaker 3: so much bad advice just people either saying things for

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Speaker 3: clicks or they're ill educated on what they're saying, like

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Speaker 3: even that they think they're right and they're wrong.

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Speaker 2: You run into a lot of that.

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Speaker 1: Number said and they say it was such a gusto

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Speaker 1: that you're like, wait are they write? And they're given

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Speaker 1: like stock tips and they're you know, they're they're always

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Speaker 1: in their car and it's always like a nice car

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Speaker 1: that I'm sure is like they're in debt leasing and

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Speaker 1: like they have so much energy and enthusiasm as they're

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Speaker 1: telling you one hundred percent. But you have to be

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Speaker 1: so careful with financial advice online. What's crazy is that

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Speaker 1: the data shows that it's really working to have financial

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Speaker 1: advice online like gen Z is contributing to their four

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Speaker 1: O one case at a higher rate than any other generation,

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Speaker 1: and it's like, Okay, what sort of the difference. Could

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Speaker 1: it be that like they're just seeing more, they're more

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Speaker 1: financially literate because they have more access to it in

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Speaker 1: this way, I hope so. But I think it's also

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Speaker 1: really important to be discerning. And remember, you want your

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Speaker 1: life to be exciting. You want your relationship to be exciting.

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Speaker 1: You want like cool, exciting accessories and clothing and trips

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Speaker 1: and all this stuff. But getting rich should be boring.

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Speaker 1: So any person that you see online who's making it

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Speaker 1: seem really easy and really fast and really exciting, they're

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Speaker 1: the ones who are getting rich off of you.

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Speaker 2: I have a lot of questions about debt.

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Speaker 1: Yes, I'm your girl.

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Speaker 2: I was so afraid of debt my whole life because

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Speaker 2: I never wanted to owe anybody anything. I've never had debt.

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Speaker 2: I don't have debt in any anything now house. But

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Speaker 2: it was always that way, and so I always lived

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Speaker 2: extremely within my means, or I saved up and I

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Speaker 2: bought it because I did not want to have debt.

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Speaker 2: Now I have learned, and this is rational and irrational.

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Speaker 2: Fighting with each other to me, I've been taught that

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Speaker 2: not all debt is bad.

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Speaker 1: Yes, exactly. So it's all about the seven percent rule.

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Speaker 1: Tell me that have you heard of this? I would

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Speaker 1: like for you to tell of course I have, but

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Speaker 1: tell them, okay, I'll tell you. Well, so you're saying

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Speaker 1: that you buy your house outright now.

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Speaker 2: I have no debt yet. I also understand that some

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Speaker 2: debt is okay, but I'm still so scared of it.

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Speaker 2: And some debt I couldn't get a I couldn't get

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Speaker 2: a loan because I have no credit history and I

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Speaker 2: have a lot of money in the bank, but they

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Speaker 2: were like, we can't give you a loan because you

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Speaker 2: don't have a credit history at all. And so there

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Speaker 2: are also there's just tell me my debt's good, okay.

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Speaker 1: So this is a classic like rich person versus normal

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Speaker 1: person thing where it's like, yeah, normal people are so

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Speaker 1: scared of debt. And also the financial advice, the old

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Speaker 1: rules of building wealth that we need to replace. We're

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Speaker 1: all about debt being so evil. Like Dave Ramsey is

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Speaker 1: this big pillar of financial literacy, and he literally has

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Speaker 1: a bell that people like drive like twenty hours to

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Speaker 1: come ring when they become debt free. Like the culture

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Speaker 1: is all about being debt free. But there's something called

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Speaker 1: the seven percent rule that rich people use to actually

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Speaker 1: leverage debt to make more money.

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Speaker 2: But you have to be rich to use a seven

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Speaker 2: percent rule.

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Speaker 1: No, but it it works if you have student any

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Speaker 1: So basically it's the seven percent rule is all about

437
00:19:46,560 --> 00:19:50,160
Speaker 1: your debt interest rate. So say I have student loans

438
00:19:50,240 --> 00:19:56,560
Speaker 1: that are five percent. The stock market historically returns eight

439
00:19:56,600 --> 00:20:00,919
Speaker 1: to ten percent annually, So if I'm going I would

440
00:20:01,040 --> 00:20:05,159
Speaker 1: make I would make more money paying the minimum on

441
00:20:05,320 --> 00:20:09,280
Speaker 1: that five percent and then investing whatever extra money that

442
00:20:09,320 --> 00:20:11,080
Speaker 1: I was going to put towards it to pay it

443
00:20:11,080 --> 00:20:14,919
Speaker 1: off aggressively in the stock market. Then I would save

444
00:20:15,520 --> 00:20:17,960
Speaker 1: by just paying off that loan. And this is why

445
00:20:18,000 --> 00:20:22,679
Speaker 1: you see celebrities have mortgages. Jay Z and Beyonce have

446
00:20:22,720 --> 00:20:27,719
Speaker 1: a mortgage. Mark Zuckerberg has a mortgage. Adele has a mortgage.

447
00:20:28,000 --> 00:20:31,880
Speaker 1: Why because they're borrowing money at a lower interest rate

448
00:20:31,920 --> 00:20:34,919
Speaker 1: than they could make investing it, and they're able to

449
00:20:35,000 --> 00:20:37,960
Speaker 1: turn a profit and grow wealth. And you can do

450
00:20:38,040 --> 00:20:41,280
Speaker 1: this too if you have low interest rate debt.

451
00:20:41,880 --> 00:20:43,040
Speaker 2: Okay, feel stupid.

452
00:20:42,800 --> 00:20:45,320
Speaker 1: Now, Well, I mean we should. We should REFI your house,

453
00:20:46,560 --> 00:20:48,800
Speaker 1: you're not at this point. But also, the one thing

454
00:20:48,840 --> 00:20:52,840
Speaker 1: to know about financial advice is yes, there's a there's

455
00:20:52,840 --> 00:20:54,520
Speaker 1: a right and the wrong way to do things, but

456
00:20:54,560 --> 00:20:56,919
Speaker 1: there's also a U way to do things. And I

457
00:20:56,960 --> 00:20:59,720
Speaker 1: think that we all come into this with our own gripes,

458
00:21:00,240 --> 00:21:03,240
Speaker 1: history and things that we're working through. And so it's like,

459
00:21:03,560 --> 00:21:05,680
Speaker 1: if what feels really safe to you and good?

460
00:21:05,720 --> 00:21:07,760
Speaker 2: It's safe, it's a good word. Yeah, it's safe.

461
00:21:08,080 --> 00:21:10,520
Speaker 1: You feel safe not having a mortgage. Sure, there might

462
00:21:10,560 --> 00:21:11,800
Speaker 1: be a way for you to make more money, but

463
00:21:11,840 --> 00:21:14,199
Speaker 1: it sounds like you have enough money. And if like

464
00:21:14,359 --> 00:21:17,119
Speaker 1: safe means more to you than extra zeros in your

465
00:21:17,119 --> 00:21:18,600
Speaker 1: bank account, that's okay.

466
00:21:19,080 --> 00:21:21,960
Speaker 2: One of the habits I had to break was I

467
00:21:22,000 --> 00:21:26,560
Speaker 2: would pay bills a month extra in case I have

468
00:21:26,560 --> 00:21:28,720
Speaker 2: a rent out of money, so I'd have a month buffer.

469
00:21:29,760 --> 00:21:32,120
Speaker 2: And my business manager like, you have to start doing that,

470
00:21:32,800 --> 00:21:35,119
Speaker 2: But I was like, no, no, you don't understand. Like

471
00:21:37,080 --> 00:21:39,439
Speaker 2: back in the day, if you electricity got cut, you

472
00:21:39,480 --> 00:21:41,720
Speaker 2: were done. Yeah, She's like, electricity is not going to

473
00:21:41,720 --> 00:21:44,040
Speaker 2: get cut. I have the fear of mindset still in yeah,

474
00:21:44,160 --> 00:21:46,720
Speaker 2: where I've had to stop a lot of those habits. Yeah,

475
00:21:46,760 --> 00:21:49,880
Speaker 2: because I have somebody telling me, and I think you're

476
00:21:49,920 --> 00:21:53,360
Speaker 2: that somebody to a much younger generation.

477
00:21:53,960 --> 00:21:55,960
Speaker 1: Well, you're lucky that you have this business manager. It

478
00:21:56,000 --> 00:21:57,480
Speaker 1: sounds like she's been super helpful.

479
00:21:57,600 --> 00:21:58,080
Speaker 2: I pay her.

480
00:21:58,359 --> 00:22:00,560
Speaker 1: Yeah, but that's okay. People paying me buy my book.

481
00:22:00,640 --> 00:22:05,720
Speaker 2: She gets that's good. Yeah, and the books has done fantastic. Yeah,

482
00:22:05,720 --> 00:22:07,040
Speaker 2: the book your best. They have to call you in

483
00:22:07,040 --> 00:22:10,439
Speaker 2: New York Times best seller. Yeah.

484
00:22:10,440 --> 00:22:11,840
Speaker 1: I want to call you at it too, because it's

485
00:22:11,840 --> 00:22:15,600
Speaker 1: a tombstone thing. You're two acts, two times New York

486
00:22:15,640 --> 00:22:18,199
Speaker 1: Times that seller. Why does the latter? Why does the

487
00:22:18,200 --> 00:22:20,720
Speaker 1: goalpost always move? Now? I have one, and it's like,

488
00:22:20,840 --> 00:22:22,399
Speaker 1: ooh shit, I gotta do it again.

489
00:22:23,680 --> 00:22:25,440
Speaker 2: I almost didn't do it again. I didn't want to

490
00:22:25,440 --> 00:22:25,880
Speaker 2: write a sod.

491
00:22:25,920 --> 00:22:28,560
Speaker 1: How long was it till you did it again? Four

492
00:22:28,640 --> 00:22:30,440
Speaker 1: years and you got a big fat deal.

493
00:22:31,720 --> 00:22:32,920
Speaker 2: Would you let me to tell you my story? I

494
00:22:32,960 --> 00:22:34,480
Speaker 2: would love you guys have to do with money?

495
00:22:34,560 --> 00:22:35,959
Speaker 1: Yeah, I love money. I love stories.

496
00:22:37,040 --> 00:22:39,240
Speaker 2: You're my guest, so I wouldn't normally tell a long

497
00:22:39,280 --> 00:22:41,320
Speaker 2: story about me, but you are a money person, and

498
00:22:41,359 --> 00:22:43,080
Speaker 2: this is a money story. I think we will enjoy it.

499
00:22:43,160 --> 00:22:43,400
Speaker 1: Yeah.

500
00:22:44,520 --> 00:22:48,439
Speaker 2: I was pitching eight children's I had done a children's

501
00:22:48,680 --> 00:22:51,640
Speaker 2: music record. It got bought by Cracker Barrel, and so

502
00:22:51,800 --> 00:22:53,320
Speaker 2: I did this and I was like, oh, well, how

503
00:22:53,320 --> 00:22:55,240
Speaker 2: about that seems pretty easy. I'll do a kid's book.

504
00:22:55,760 --> 00:22:58,920
Speaker 2: And I had a few meetings with some publishers in

505
00:22:58,960 --> 00:23:00,560
Speaker 2: New York, and so I flew up to New York

506
00:23:01,080 --> 00:23:04,119
Speaker 2: and nobody wanted it because that kid's book market was

507
00:23:04,160 --> 00:23:06,399
Speaker 2: oversaturated and I wasn't famous enough, and so it was

508
00:23:06,440 --> 00:23:08,760
Speaker 2: a mixture of both of those things. And so I

509
00:23:08,760 --> 00:23:10,919
Speaker 2: had done two or three meetings and I went to

510
00:23:10,960 --> 00:23:14,440
Speaker 2: one final meeting at HarperCollins, which is a large book company.

511
00:23:14,200 --> 00:23:17,240
Speaker 1: Yes familiar with, one of the big publishing houses.

512
00:23:16,920 --> 00:23:18,840
Speaker 2: And I pitched them the idea for the kids book

513
00:23:18,840 --> 00:23:21,399
Speaker 2: and they said that's not for us. But the meeting

514
00:23:21,400 --> 00:23:23,280
Speaker 2: that I pitched to there was someone in there who

515
00:23:23,359 --> 00:23:27,320
Speaker 2: was a hybrid working that worked in kids and also nonfiction,

516
00:23:27,480 --> 00:23:31,040
Speaker 2: and they said, hey, we love your life story. Would

517
00:23:31,080 --> 00:23:33,800
Speaker 2: you write it? And I said, I don't know, Like,

518
00:23:33,840 --> 00:23:37,280
Speaker 2: I'm not Michael Phelps, ye, not a Kardashian, I don't

519
00:23:37,280 --> 00:23:40,200
Speaker 2: know if anyone wants it. And she's like, if you'll

520
00:23:40,240 --> 00:23:43,440
Speaker 2: come tomorrow and pitch to a different group, we would

521
00:23:43,440 --> 00:23:45,160
Speaker 2: love to have you. And I was already flying back

522
00:23:45,160 --> 00:23:47,200
Speaker 2: home at the time. Only yeah, So I canceled my flight.

523
00:23:47,440 --> 00:23:48,960
Speaker 2: I stayed at extra night. I went back and I

524
00:23:49,000 --> 00:23:52,800
Speaker 2: pitched and they said, we love the book, and they

525
00:23:52,840 --> 00:23:55,960
Speaker 2: offered me like one hundred and eighty thousand dollars up front,

526
00:23:56,400 --> 00:24:00,240
Speaker 2: which was a really good advance. I felt, I don't

527
00:24:00,240 --> 00:24:02,000
Speaker 2: know what people make, especially to be I do. Now.

528
00:24:02,160 --> 00:24:04,760
Speaker 1: Yeah, I'm like, for you, like we could get to

529
00:24:04,840 --> 00:24:05,439
Speaker 1: hire maybe.

530
00:24:05,520 --> 00:24:08,000
Speaker 2: Well, I didn't know the difference, and I'd never written

531
00:24:08,000 --> 00:24:09,480
Speaker 2: a book, and I didn't think I deserved one hundred

532
00:24:09,520 --> 00:24:10,440
Speaker 2: and eighty thousand.

533
00:24:10,480 --> 00:24:11,080
Speaker 1: That's crazy.

534
00:24:11,160 --> 00:24:15,040
Speaker 2: And so I'm like, I said, no, I'm not going

535
00:24:15,080 --> 00:24:16,800
Speaker 2: to take the money, but let me write half the

536
00:24:16,800 --> 00:24:19,639
Speaker 2: book and if you still like it, I'll take your money. Wow,

537
00:24:19,720 --> 00:24:22,080
Speaker 2: then I'll finish the second. I've never written anything. I mean,

538
00:24:22,200 --> 00:24:24,800
Speaker 2: i've written blogs, yeah, but you know that's different.

539
00:24:24,800 --> 00:24:24,840
Speaker 3: No.

540
00:24:24,920 --> 00:24:26,639
Speaker 1: Writing a book is so you have to have the

541
00:24:26,640 --> 00:24:28,400
Speaker 1: structure down and the whole thing. It's a lot.

542
00:24:28,720 --> 00:24:30,800
Speaker 2: And I went home and I just wrote essay after

543
00:24:30,880 --> 00:24:34,040
Speaker 2: essay after essay, just about my life story. And I

544
00:24:34,080 --> 00:24:36,639
Speaker 2: turned in thirty thousand words and they said, we like it.

545
00:24:36,680 --> 00:24:38,920
Speaker 2: Will you take the money? Now, and so I took

546
00:24:38,920 --> 00:24:39,280
Speaker 2: the money.

547
00:24:39,320 --> 00:24:41,320
Speaker 1: You're so funny.

548
00:24:41,720 --> 00:24:42,800
Speaker 2: I didn't want the debt.

549
00:24:42,920 --> 00:24:46,400
Speaker 1: Money, so you didn't want that. You didn't want the debt.

550
00:24:46,200 --> 00:24:47,439
Speaker 2: Of the book to you didn't want the debt.

551
00:24:47,520 --> 00:24:49,280
Speaker 1: He said, no, I'll show you I'm good for it. Yeah.

552
00:24:49,320 --> 00:24:50,040
Speaker 2: I was like, I want you to.

553
00:24:50,160 --> 00:24:51,480
Speaker 1: You paid one month in advance.

554
00:24:51,520 --> 00:24:53,199
Speaker 2: I want you to actually believe that it's good by

555
00:24:53,280 --> 00:24:54,920
Speaker 2: me showing it to you, because I don't believe. Yeah,

556
00:24:54,960 --> 00:24:58,439
Speaker 2: I'm good. Yes, And so I wrote it. They paid me.

557
00:24:58,960 --> 00:25:01,520
Speaker 2: I then finished a book. It was number one for

558
00:25:01,560 --> 00:25:02,400
Speaker 2: four weeks, which.

559
00:25:02,240 --> 00:25:03,800
Speaker 1: Was four weeks number one.

560
00:25:03,840 --> 00:25:05,679
Speaker 2: Why I'll kill it, I'm telling you, is why I

561
00:25:05,680 --> 00:25:06,480
Speaker 2: did not believe.

562
00:25:06,359 --> 00:25:08,520
Speaker 1: Number one for four weeks? Are you kidding me?

563
00:25:09,400 --> 00:25:13,240
Speaker 2: No, that's crazy. I agree. I was embarrassed before it

564
00:25:13,280 --> 00:25:15,280
Speaker 2: came out because I thought, and you know, the book

565
00:25:15,320 --> 00:25:17,480
Speaker 2: tour is it's grueling, it's grooling. I'm gonna do all

566
00:25:17,480 --> 00:25:19,840
Speaker 2: this book tour, nobody's gonna buy it and everyone just

567
00:25:19,840 --> 00:25:23,879
Speaker 2: gonna like laugh, and I'll never write anything again. And

568
00:25:23,960 --> 00:25:26,399
Speaker 2: so it did really well, and they were like, let's

569
00:25:26,400 --> 00:25:28,000
Speaker 2: do another one. We'll give you more money. I'm like,

570
00:25:28,040 --> 00:25:29,879
Speaker 2: I'm out. It ain't about the money. I'm out, I'm

571
00:25:29,880 --> 00:25:32,800
Speaker 2: a one hit wonder. I'm good. No, you did it.

572
00:25:33,080 --> 00:25:35,680
Speaker 2: And so I just number one for four weeks.

573
00:25:36,720 --> 00:25:37,280
Speaker 1: For a second.

574
00:25:37,680 --> 00:25:38,440
Speaker 2: I don't sit with you.

575
00:25:38,520 --> 00:25:39,000
Speaker 1: Keep going.

576
00:25:39,440 --> 00:25:41,119
Speaker 2: I said no for three years or so. And then

577
00:25:41,119 --> 00:25:42,560
Speaker 2: I did a TED talk and it was called winning

578
00:25:42,600 --> 00:25:45,680
Speaker 2: by Losing and they said, write that and I said,

579
00:25:45,840 --> 00:25:48,960
Speaker 2: I don't know, and they said, here's a check. I said, okay,

580
00:25:48,960 --> 00:25:50,639
Speaker 2: I'll take that one up front. It was much it

581
00:25:50,680 --> 00:25:51,200
Speaker 2: was much more.

582
00:25:51,280 --> 00:25:52,879
Speaker 1: Yeah, I'm sure because you were you prove that you

583
00:25:52,880 --> 00:25:53,200
Speaker 1: could do it.

584
00:25:53,240 --> 00:25:54,600
Speaker 2: Yeah. And then I didn't feel like I was stealing

585
00:25:54,640 --> 00:25:56,320
Speaker 2: their money and they were trying to convince me to

586
00:25:56,359 --> 00:25:57,240
Speaker 2: do I'd have to pitch them.

587
00:25:57,400 --> 00:25:57,840
Speaker 1: Yeah.

588
00:25:57,880 --> 00:25:59,520
Speaker 2: And so then I wrote a book called fail until

589
00:25:59,520 --> 00:26:01,600
Speaker 2: You Don't and it it was two week number one.

590
00:26:01,760 --> 00:26:04,119
Speaker 3: Hill you Don't, great title, thank you, and it was

591
00:26:04,160 --> 00:26:05,280
Speaker 3: that it was very practical.

592
00:26:05,440 --> 00:26:05,720
Speaker 1: Yeah.

593
00:26:05,760 --> 00:26:09,800
Speaker 2: And then I got my friends to write their failure

594
00:26:09,840 --> 00:26:14,600
Speaker 2: stories so smart that are that are super famous, like yeah, Charlottage,

595
00:26:14,640 --> 00:26:16,639
Speaker 2: the god who is one of my closest friends. So

596
00:26:16,720 --> 00:26:19,360
Speaker 2: he wrote it like a chapter in it. Wow, Chris Stapleton,

597
00:26:19,520 --> 00:26:21,600
Speaker 2: like all these artists, of these people that I it

598
00:26:21,640 --> 00:26:23,760
Speaker 2: was just like talk about your biggest failure that people

599
00:26:23,800 --> 00:26:26,040
Speaker 2: will have no idea, And so I wrote like eighty

600
00:26:26,040 --> 00:26:27,719
Speaker 2: five percent of it. It had some friends hop in and

601
00:26:27,720 --> 00:26:30,440
Speaker 2: do that, and then it did well and then I'm like,

602
00:26:30,480 --> 00:26:31,879
Speaker 2: I'm done. Then I wrote a kid's book and it

603
00:26:31,920 --> 00:26:34,000
Speaker 2: was it was good. But that was my book stories

604
00:26:34,000 --> 00:26:35,480
Speaker 2: that I wouldn't take the money because I was scared

605
00:26:35,480 --> 00:26:36,720
Speaker 2: to take the money because I didn't think I was

606
00:26:36,760 --> 00:26:37,240
Speaker 2: good enough.

607
00:26:38,040 --> 00:26:40,199
Speaker 1: I mean, I totally get that. I think that, like

608
00:26:40,240 --> 00:26:43,080
Speaker 1: there's so much imposter syndrome when it comes to, you know,

609
00:26:43,200 --> 00:26:46,280
Speaker 1: taking checks, but you know, you sort of just have

610
00:26:46,359 --> 00:26:48,560
Speaker 1: to go with it, especially in this industry, because sometimes

611
00:26:48,560 --> 00:26:50,159
Speaker 1: the chucks are pretty big and you don't want you

612
00:26:50,160 --> 00:26:51,439
Speaker 1: don't want to pass them up.

613
00:26:52,040 --> 00:26:55,080
Speaker 2: How did you negotiate your book deal? Well, we did.

614
00:26:55,600 --> 00:26:58,600
Speaker 1: I played everyone against each other, which is always.

615
00:26:58,240 --> 00:26:59,960
Speaker 2: Good to you had multiple people. See I didn't have.

616
00:27:02,040 --> 00:27:06,200
Speaker 1: No no But so I actually so what I initially

617
00:27:06,359 --> 00:27:10,919
Speaker 1: did my book deal. I wanted to do almost like

618
00:27:10,960 --> 00:27:12,920
Speaker 1: write like a Sex in the City or a girls,

619
00:27:13,000 --> 00:27:17,679
Speaker 1: like a story that was about girl, like four friends

620
00:27:17,680 --> 00:27:20,760
Speaker 1: in New York City starting out and like their money

621
00:27:20,840 --> 00:27:25,199
Speaker 1: journey and they have this mentor and like uh uh,

622
00:27:25,680 --> 00:27:28,600
Speaker 1: teach about money through that because I'm so much about

623
00:27:28,640 --> 00:27:31,800
Speaker 1: like having brownie, having spinach in the brownie, like trying

624
00:27:31,840 --> 00:27:34,120
Speaker 1: to find creative ways to teach finance that people would

625
00:27:34,119 --> 00:27:34,879
Speaker 1: be compelled by me.

626
00:27:35,000 --> 00:27:37,360
Speaker 2: Such I like that spinach in the brownie. I've never

627
00:27:37,400 --> 00:27:37,840
Speaker 2: heard that.

628
00:27:38,000 --> 00:27:39,679
Speaker 1: I think about that all the time because it's like

629
00:27:39,720 --> 00:27:41,320
Speaker 1: you want it to feel like a treat. Like That's

630
00:27:41,320 --> 00:27:42,919
Speaker 1: why I use so much humor and everything I do

631
00:27:43,000 --> 00:27:44,680
Speaker 1: and things like that, cause it's like you want it

632
00:27:44,720 --> 00:27:48,399
Speaker 1: to just feel like so palatable. And so I worked

633
00:27:48,400 --> 00:27:51,680
Speaker 1: so hard on this book. Deal. Uh, my friend Genevievan

634
00:27:51,760 --> 00:27:54,359
Speaker 1: Yellow I went to college with and she like writes

635
00:27:54,400 --> 00:27:57,399
Speaker 1: on hacks and is doing Jake Shane's show and like

636
00:27:57,520 --> 00:28:00,399
Speaker 1: is like such a big television writer shoes doing it

637
00:28:00,400 --> 00:28:03,040
Speaker 1: with me, And so we brought it out. I had

638
00:28:03,080 --> 00:28:07,280
Speaker 1: agents at UTA and couldn't really get more than like

639
00:28:08,200 --> 00:28:10,320
Speaker 1: hunter k for it, and they were like, okay, but

640
00:28:10,440 --> 00:28:12,159
Speaker 1: just so you know, if you just did the like

641
00:28:12,320 --> 00:28:16,680
Speaker 1: finance book, like the one oh one yeah missus dow

642
00:28:16,760 --> 00:28:19,399
Speaker 1: Jones book, you didn't like musty it up with like

643
00:28:19,480 --> 00:28:22,800
Speaker 1: all this flavor, you would get a lot more and

644
00:28:22,840 --> 00:28:25,640
Speaker 1: like probably help more people. And so I was like, Okay,

645
00:28:25,640 --> 00:28:27,600
Speaker 1: I get it, like I have to just start my

646
00:28:27,640 --> 00:28:30,000
Speaker 1: book journey with the one oh one. And it ended

647
00:28:30,080 --> 00:28:33,480
Speaker 1: up being so correct because I'm so happy that something

648
00:28:33,480 --> 00:28:35,840
Speaker 1: exists now that can take you from like wherever you're

649
00:28:35,880 --> 00:28:37,880
Speaker 1: starting to where you want to go and in such

650
00:28:37,880 --> 00:28:39,600
Speaker 1: a clear way, and like I'm sure there will be

651
00:28:39,640 --> 00:28:43,320
Speaker 1: another car reincarnation of that other part, like things always

652
00:28:43,440 --> 00:28:46,080
Speaker 1: find the way that they're supposed to happen, you know.

653
00:28:47,360 --> 00:28:48,880
Speaker 1: And so yeah, we brought it to a bunch of

654
00:28:48,880 --> 00:28:52,760
Speaker 1: publishing houses and played them against each other. And then

655
00:28:52,760 --> 00:28:55,680
Speaker 1: what was interesting is that like the four that I

656
00:28:55,720 --> 00:28:59,200
Speaker 1: really wanted to work with had the same offer number,

657
00:29:00,360 --> 00:29:02,760
Speaker 1: and which was sort of cool because then I could

658
00:29:02,760 --> 00:29:05,600
Speaker 1: really decide based on like who I actually wanted to

659
00:29:05,640 --> 00:29:08,000
Speaker 1: work with, versus having that in my head of like

660
00:29:08,640 --> 00:29:10,720
Speaker 1: like you know, if you get a job offer, you're

661
00:29:10,760 --> 00:29:12,600
Speaker 1: usually going to take the job with the most money,

662
00:29:13,040 --> 00:29:14,840
Speaker 1: you know, but you could actually I could actually just

663
00:29:14,840 --> 00:29:17,440
Speaker 1: decide on like who is the best people to work

664
00:29:17,480 --> 00:29:20,800
Speaker 1: with and so but I mean, all that strategy just

665
00:29:20,840 --> 00:29:22,800
Speaker 1: came from having good agents, which it sounds like you

666
00:29:22,840 --> 00:29:25,120
Speaker 1: have good coaches and people around you too, And I

667
00:29:25,240 --> 00:29:26,920
Speaker 1: really believe and I talk about this in the book,

668
00:29:27,280 --> 00:29:31,120
Speaker 1: investing in your human capital and like making sure that

669
00:29:31,240 --> 00:29:33,920
Speaker 1: you are, you know, making yourself as strong as you

670
00:29:33,960 --> 00:29:35,760
Speaker 1: can be, and that can also mean who you're working with.

671
00:29:35,840 --> 00:29:38,600
Speaker 1: But I also say, on the topic of failure, it's

672
00:29:38,640 --> 00:29:41,520
Speaker 1: crazy to be a New York Times bestseller because it

673
00:29:41,560 --> 00:29:43,920
Speaker 1: was so hard to do this, and so it's fun.

674
00:29:44,040 --> 00:29:45,840
Speaker 1: Like now I've been like a week of doing it,

675
00:29:45,880 --> 00:29:48,640
Speaker 1: and I find myself everything that I'm saying in response

676
00:29:48,680 --> 00:29:51,040
Speaker 1: to people saying, Wow, that's great, this is so cool,

677
00:29:51,080 --> 00:29:54,400
Speaker 1: it's just like this is really hard, you know, and

678
00:29:54,440 --> 00:29:56,120
Speaker 1: it's like I love that that was what your book

679
00:29:56,160 --> 00:29:58,840
Speaker 1: was about, because I'm like, it's so important. You just

680
00:29:58,880 --> 00:30:01,200
Speaker 1: see the shiny moment and people it's the same thing

681
00:30:01,240 --> 00:30:03,000
Speaker 1: with the influencer with the cool outfit that you want

682
00:30:03,040 --> 00:30:08,120
Speaker 1: to buy. Like you get this like really small moment

683
00:30:08,280 --> 00:30:10,640
Speaker 1: that you're seeing and you don't realize all that goes

684
00:30:10,680 --> 00:30:12,160
Speaker 1: into it. That's like a lot of grit.

685
00:30:13,440 --> 00:30:25,880
Speaker 5: The Bobby cast will be right back. This is the

686
00:30:25,920 --> 00:30:26,640
Speaker 5: Bobby Cast.

687
00:30:27,280 --> 00:30:28,520
Speaker 2: What do you think has been the element in your

688
00:30:28,520 --> 00:30:31,520
Speaker 2: book that most people have resonated with so much so

689
00:30:31,560 --> 00:30:32,280
Speaker 2: they've told you.

690
00:30:32,640 --> 00:30:35,480
Speaker 1: I will say, well, I have a bunch of stories,

691
00:30:35,800 --> 00:30:39,760
Speaker 1: and I think that the stories around so for women,

692
00:30:39,840 --> 00:30:42,720
Speaker 1: especially having an emergency fund is really important, which is

693
00:30:42,760 --> 00:30:45,760
Speaker 1: basically like this three to six month sort of pot

694
00:30:45,760 --> 00:30:47,720
Speaker 1: of gold that you keep in a high heeled savings

695
00:30:47,760 --> 00:30:51,840
Speaker 1: account of bare bones living expenses, and it really gives

696
00:30:51,840 --> 00:30:54,440
Speaker 1: you the power to say no and to like walk

697
00:30:54,480 --> 00:30:58,200
Speaker 1: away from situations that don't serve you. And so I

698
00:30:58,240 --> 00:31:01,360
Speaker 1: have a story in the book of Most of the

699
00:31:01,360 --> 00:31:03,560
Speaker 1: people in the BOOKO I interview were followers, but this

700
00:31:03,600 --> 00:31:07,960
Speaker 1: was actually my friend and she was in an abusive

701
00:31:08,000 --> 00:31:12,160
Speaker 1: relationship and everything on the surface looked really great and

702
00:31:12,200 --> 00:31:14,600
Speaker 1: sort of in like that mid thirties way that can happen,

703
00:31:14,640 --> 00:31:16,920
Speaker 1: I think, especially to women where you were sort of like, ooh,

704
00:31:16,960 --> 00:31:20,120
Speaker 1: all my friends are getting married. You know, this guy's tall,

705
00:31:20,120 --> 00:31:22,760
Speaker 1: we WoT a dog together, we're living together. Is it

706
00:31:22,840 --> 00:31:25,200
Speaker 1: that bad? Maybe? Is there anyone out there for me

707
00:31:25,280 --> 00:31:25,840
Speaker 1: that's better?

708
00:31:25,920 --> 00:31:27,720
Speaker 2: You know, you got this guy's tall.

709
00:31:27,840 --> 00:31:31,240
Speaker 1: This guy's tall. Tall can really mess with your head.

710
00:31:31,320 --> 00:31:35,480
Speaker 1: Man like tall and a dog. The dog's name was Matilda.

711
00:31:35,600 --> 00:31:38,680
Speaker 1: Come on, man, like, those are some good things going

712
00:31:38,720 --> 00:31:40,920
Speaker 1: for you. And she pushed her around a little, but

713
00:31:41,000 --> 00:31:48,160
Speaker 1: I mean she's trying to see past it. But anyways,

714
00:31:48,840 --> 00:31:51,400
Speaker 1: it did get to a breaking point where she was like, oops,

715
00:31:51,440 --> 00:31:54,720
Speaker 1: gotta go, and how'd she leave with the emergency fund?

716
00:31:54,760 --> 00:31:57,320
Speaker 1: And she had she got her freedom apartment, so she

717
00:31:57,440 --> 00:31:59,840
Speaker 1: calls it. It took her over a year to rebuild

718
00:31:59,880 --> 00:32:03,280
Speaker 1: in the emergency fund, but it was like that gave

719
00:32:03,320 --> 00:32:06,320
Speaker 1: her the power to say no. And so I think

720
00:32:06,320 --> 00:32:10,000
Speaker 1: that resonates with a lot of people. Yeah. And I

721
00:32:10,000 --> 00:32:10,680
Speaker 1: also yet.

722
00:32:10,720 --> 00:32:14,080
Speaker 2: If people want to invest in stocks, because something like

723
00:32:14,360 --> 00:32:16,920
Speaker 2: robinhood is so easy to just download or whatever the

724
00:32:16,920 --> 00:32:20,040
Speaker 2: app is. I'm not sponsored by anyone, so I Robin

725
00:32:20,080 --> 00:32:23,840
Speaker 2: free Agent. Yeah. So like how does someone get started,

726
00:32:24,160 --> 00:32:25,400
Speaker 2: like and what should they invest in?

727
00:32:25,640 --> 00:32:27,800
Speaker 1: Yeah, so it's actually so easy. I always say it's

728
00:32:27,840 --> 00:32:32,880
Speaker 1: like basically take seventh grade math some like just bravery

729
00:32:32,920 --> 00:32:35,120
Speaker 1: because most people are so scared of doing it wrong

730
00:32:35,720 --> 00:32:40,160
Speaker 1: and automation and you can start investing. And so I

731
00:32:40,200 --> 00:32:43,480
Speaker 1: really recommend low cost index funds, which are basically these

732
00:32:43,520 --> 00:32:46,200
Speaker 1: like big baskets of stocks. And so what that means

733
00:32:46,280 --> 00:32:48,320
Speaker 1: is you're not going all in, Like for you, Okay,

734
00:32:48,400 --> 00:32:54,800
Speaker 1: you have this investment in Waterloo. If Waterloo tanks, that

735
00:32:54,920 --> 00:32:56,000
Speaker 1: money is gone gone.

736
00:32:56,080 --> 00:32:56,360
Speaker 2: Yeah.

737
00:32:56,400 --> 00:32:58,360
Speaker 1: But if you have a low cost index fund like

738
00:32:58,360 --> 00:33:00,440
Speaker 1: say buy the S and P five hundred. I'm buying

739
00:33:00,440 --> 00:33:02,840
Speaker 1: a little piece of five hundred of the biggest companies

740
00:33:02,880 --> 00:33:05,880
Speaker 1: in America. So if one of those, say is Waterloo,

741
00:33:05,880 --> 00:33:07,880
Speaker 1: when they go under, I've got four hundred and ninety

742
00:33:07,920 --> 00:33:12,080
Speaker 1: nine other stocks to bring the next fund back up

743
00:33:12,120 --> 00:33:14,280
Speaker 1: and get me to those eight to ten percent returns.

744
00:33:14,360 --> 00:33:17,320
Speaker 1: And all the data shows this is like the most

745
00:33:18,360 --> 00:33:21,760
Speaker 1: effective way to invest for the long term. And so

746
00:33:21,880 --> 00:33:23,800
Speaker 1: I don't really know why people mess around with like

747
00:33:23,920 --> 00:33:27,400
Speaker 1: day trading and buying individual stocks, because all the data

748
00:33:27,400 --> 00:33:29,520
Speaker 1: shows that you're never really going to beat the market,

749
00:33:29,720 --> 00:33:33,480
Speaker 1: like even active traders don't really beat the market. And

750
00:33:33,560 --> 00:33:35,440
Speaker 1: so I would say, yeah, two to three locals index

751
00:33:35,520 --> 00:33:37,800
Speaker 1: funds I have on my website at missus Dow Jones

752
00:33:37,800 --> 00:33:40,480
Speaker 1: dot com, like my low cost index fund guide that

753
00:33:40,600 --> 00:33:42,959
Speaker 1: has all the index funds that I like, And all

754
00:33:43,000 --> 00:33:44,640
Speaker 1: that you need to do is buy two to three

755
00:33:44,840 --> 00:33:48,560
Speaker 1: and automate that investment every month, and then you will

756
00:33:48,600 --> 00:33:51,479
Speaker 1: literally your wealth will be compounding and growing and you

757
00:33:52,160 --> 00:33:54,920
Speaker 1: ten twenty thirty years from now will have millions of dollars.

758
00:33:55,000 --> 00:33:55,760
Speaker 1: It's that simple.

759
00:33:55,960 --> 00:33:57,280
Speaker 2: How do you feel about cryptocurrency?

760
00:33:58,360 --> 00:34:01,800
Speaker 1: I like to look at it as like a accessory

761
00:34:01,840 --> 00:34:04,239
Speaker 1: to a portfolio, you know, not the main event, like

762
00:34:04,760 --> 00:34:08,319
Speaker 1: I think with a stock. With your investment portfolio, you

763
00:34:08,320 --> 00:34:10,520
Speaker 1: can take like five to ten percent if you want

764
00:34:10,960 --> 00:34:16,799
Speaker 1: and be experimental, buy Crypto, buy Waterloo, you know, do

765
00:34:17,000 --> 00:34:19,960
Speaker 1: the thing whatever, Like your cousin gives you a tip,

766
00:34:20,239 --> 00:34:23,520
Speaker 1: go for it. But the ninety percent of that portfolio

767
00:34:23,640 --> 00:34:26,880
Speaker 1: should be in low cost index funds so that you

768
00:34:27,560 --> 00:34:29,279
Speaker 1: have your own back, you know what I mean.

769
00:34:30,000 --> 00:34:31,640
Speaker 2: So you said earlier, and of course.

770
00:34:31,440 --> 00:34:33,600
Speaker 1: There's always ways to get rich quick, right, and everything

771
00:34:33,600 --> 00:34:36,320
Speaker 1: looks better in hindsight, you know. So you see Crypto

772
00:34:36,400 --> 00:34:38,120
Speaker 1: when it's up and you're like, shit, I should have

773
00:34:38,120 --> 00:34:40,960
Speaker 1: bought it, and it gives you that fomo feeling, but

774
00:34:41,040 --> 00:34:44,279
Speaker 1: you should like it's not. I wish I had a

775
00:34:44,280 --> 00:34:46,640
Speaker 1: crystal ball. I don't, but all I do have is

776
00:34:46,680 --> 00:34:48,440
Speaker 1: like the data, and that shows if I buy low

777
00:34:48,440 --> 00:34:50,120
Speaker 1: cost index funds, I'm probably going to get eight to

778
00:34:50,160 --> 00:34:53,160
Speaker 1: ten percent returns and that in twenty or thirty years,

779
00:34:53,160 --> 00:34:55,000
Speaker 1: like that's going to make me a shit ton of money.

780
00:34:55,400 --> 00:34:57,840
Speaker 2: So you said earlier, be boring, make more money, but

781
00:34:57,920 --> 00:34:59,080
Speaker 2: index funds are very boring.

782
00:34:59,360 --> 00:35:02,560
Speaker 1: Yeah, it's an but you're gambling and investing are not

783
00:35:02,600 --> 00:35:03,520
Speaker 1: the same thing, right.

784
00:35:03,440 --> 00:35:06,440
Speaker 2: So that's very boring, which means you're gonna make yeah,

785
00:35:06,480 --> 00:35:10,680
Speaker 2: probably more money, right Like yeah, overall, macro speaking, you

786
00:35:10,760 --> 00:35:12,200
Speaker 2: might have a stock or too that pops, so you're

787
00:35:12,200 --> 00:35:14,200
Speaker 2: gonna have something that fall if you're buying individual stocks.

788
00:35:14,360 --> 00:35:18,239
Speaker 2: But if you're doing, like you said, an index fund

789
00:35:18,239 --> 00:35:19,319
Speaker 2: of the sort, what do you call them? A low

790
00:35:19,360 --> 00:35:24,359
Speaker 2: cost index contentive fun Yeah, uh, that is generally ones

791
00:35:24,400 --> 00:35:28,080
Speaker 2: that succeed more. That's what you're saying, dude. Like if

792
00:35:28,080 --> 00:35:31,400
Speaker 2: you buy the SP five hundred, pretty successful rate year over.

793
00:35:31,320 --> 00:35:34,479
Speaker 1: Year, Yeah, the eight percent, got it, and like over

794
00:35:34,560 --> 00:35:36,759
Speaker 1: twenty years, like there's like a ninety nine percent chance

795
00:35:36,800 --> 00:35:37,640
Speaker 1: that you're making money.

796
00:35:38,360 --> 00:35:39,360
Speaker 2: Oh it's that high.

797
00:35:39,160 --> 00:35:42,879
Speaker 1: Yeah, it's insane because if that's INP five hundred goes down,

798
00:35:42,880 --> 00:35:44,840
Speaker 1: those are the top five hundred companies in America. So

799
00:35:44,880 --> 00:35:46,200
Speaker 1: it's like it's pretty much armageddon.

800
00:35:46,480 --> 00:35:47,560
Speaker 2: Like it's not like we all dying.

801
00:35:47,840 --> 00:35:50,000
Speaker 1: Yeah, it's like okay, like go on your bunker, babe,

802
00:35:50,040 --> 00:35:52,040
Speaker 1: Like I'm not sure the stock portfolio is really the

803
00:35:52,080 --> 00:35:54,720
Speaker 1: issue here, Like pretty sure, Like we got bigger fish

804
00:35:54,760 --> 00:35:58,280
Speaker 1: to fry, so you know, like you're pretty safe.

805
00:35:58,560 --> 00:36:00,920
Speaker 2: I'm genuinely asking these questions, like I don't know the answers. No,

806
00:36:00,960 --> 00:36:03,000
Speaker 2: I'm loving I'm not being the I am the dumb

807
00:36:03,040 --> 00:36:04,399
Speaker 2: guy when it comes to things like this.

808
00:36:04,719 --> 00:36:05,920
Speaker 1: No, I love it because.

809
00:36:05,680 --> 00:36:08,200
Speaker 2: I didn't learn it, and then once I could have

810
00:36:08,280 --> 00:36:10,120
Speaker 2: learned it, I had somebody doing it for me.

811
00:36:10,680 --> 00:36:12,359
Speaker 1: Yeah, which is also a way to do it.

812
00:36:12,719 --> 00:36:14,960
Speaker 2: You say, invest in human human capital?

813
00:36:15,040 --> 00:36:15,759
Speaker 1: How do you do that?

814
00:36:16,120 --> 00:36:17,400
Speaker 2: What capital?

815
00:36:17,520 --> 00:36:19,480
Speaker 1: Yeah? Like how do you make yourself better at what

816
00:36:19,520 --> 00:36:21,759
Speaker 1: you do? Like, you're clearly really good at what you do? Like,

817
00:36:21,880 --> 00:36:23,960
Speaker 1: you touched a lot of things and they've turned to gold.

818
00:36:24,440 --> 00:36:25,680
Speaker 1: Where do you think that comes from?

819
00:36:25,760 --> 00:36:27,120
Speaker 2: I've also touched a lot of things and they have

820
00:36:27,120 --> 00:36:27,840
Speaker 2: not turned to gold.

821
00:36:27,960 --> 00:36:29,600
Speaker 1: Yeah. But like doing a Ted talk and having it

822
00:36:29,640 --> 00:36:33,400
Speaker 1: pop the fuck off, Like that's okay, curse, okay, fuck.

823
00:36:33,920 --> 00:36:36,080
Speaker 2: Shit, get them all out, get them all out.

824
00:36:36,400 --> 00:36:39,280
Speaker 1: I was gonna say a worse one, but I'm a lady.

825
00:36:39,400 --> 00:36:40,200
Speaker 1: No the P word.

826
00:36:40,360 --> 00:36:41,680
Speaker 2: Oh, that one's not bad as the C word.

827
00:36:41,960 --> 00:36:44,880
Speaker 1: Do both? I don't want to, though, I'm scared.

828
00:36:46,440 --> 00:36:50,000
Speaker 2: I prom I well, I don't know the question now.

829
00:36:50,040 --> 00:36:54,560
Speaker 2: After after that, I'm sure, uh oh human capital?

830
00:36:54,800 --> 00:36:57,640
Speaker 1: Yeah, okay, Like about having a ted talk that pops

831
00:36:57,880 --> 00:37:02,360
Speaker 1: the fuck off Like that's no, Like what that's crazy?

832
00:37:03,040 --> 00:37:04,920
Speaker 2: Yeah, it did pretty good. I don't know that it

833
00:37:05,239 --> 00:37:07,200
Speaker 2: popped super hard, but it did pretty good enough to

834
00:37:07,239 --> 00:37:09,440
Speaker 2: where my book company was like, that's what you should write.

835
00:37:09,520 --> 00:37:12,799
Speaker 2: But how I invest in human capital is I find

836
00:37:12,960 --> 00:37:16,200
Speaker 2: people that I think have a great energy and a

837
00:37:16,200 --> 00:37:18,520
Speaker 2: great work ethic, and I believe they can then learn

838
00:37:18,520 --> 00:37:19,560
Speaker 2: anything I need them to learn.

839
00:37:19,640 --> 00:37:20,280
Speaker 1: That's so great.

840
00:37:20,320 --> 00:37:23,200
Speaker 2: I love that all of depending on what part of

841
00:37:23,360 --> 00:37:26,120
Speaker 2: my business, for example, like my radio show, my national

842
00:37:26,160 --> 00:37:28,560
Speaker 2: my syndicated show, they're all my friends of the love,

843
00:37:28,840 --> 00:37:30,600
Speaker 2: I hired all my friends because they made me better.

844
00:37:30,680 --> 00:37:32,560
Speaker 1: Yeah, no, I hired my best friend to work with

845
00:37:32,560 --> 00:37:32,879
Speaker 1: me too.

846
00:37:33,040 --> 00:37:35,560
Speaker 2: And you know, there's certain there are some good things,

847
00:37:35,560 --> 00:37:36,840
Speaker 2: and there are things you have to work through to

848
00:37:36,880 --> 00:37:39,480
Speaker 2: hire your friends, for sure. But then even in like

849
00:37:39,520 --> 00:37:41,960
Speaker 2: my other business, like we have you know, this podcast

850
00:37:41,960 --> 00:37:43,759
Speaker 2: on Netflix and I have a whole crew and they're

851
00:37:43,760 --> 00:37:45,960
Speaker 2: all my friends too that you know have worked with

852
00:37:46,000 --> 00:37:48,040
Speaker 2: me in other parts of my job, who I know

853
00:37:48,120 --> 00:37:53,480
Speaker 2: have a like great work ethic, massive energy. And then

854
00:37:53,560 --> 00:37:57,040
Speaker 2: also I know they're able to learn because I've seen

855
00:37:57,080 --> 00:38:00,560
Speaker 2: them learn in other ways and having them around me,

856
00:38:00,719 --> 00:38:03,400
Speaker 2: make me feel good, make me perform better. That's my

857
00:38:03,520 --> 00:38:06,080
Speaker 2: human capital. So I like investing in those people.

858
00:38:06,120 --> 00:38:08,400
Speaker 1: You like investing in your in like people around you

859
00:38:08,400 --> 00:38:10,000
Speaker 1: who can make you look good, and like.

860
00:38:10,200 --> 00:38:12,840
Speaker 2: Make me feel good. Feel good, I feel good. Everything

861
00:38:12,840 --> 00:38:15,080
Speaker 2: else goes right. If I feel good, I play good.

862
00:38:15,400 --> 00:38:17,440
Speaker 1: I love that. But do you ever do things like

863
00:38:17,760 --> 00:38:23,520
Speaker 1: you have like a vocal cultu or like a like

864
00:38:23,680 --> 00:38:25,320
Speaker 1: a mindset person.

865
00:38:25,400 --> 00:38:26,880
Speaker 2: A trainer at therapists?

866
00:38:26,960 --> 00:38:30,600
Speaker 1: Yeah, exactly, Like so that's that's also like human capital too,

867
00:38:30,600 --> 00:38:32,680
Speaker 1: where it's like you have to fine tune yourself so

868
00:38:32,719 --> 00:38:34,400
Speaker 1: that when you get out on the field and you

869
00:38:34,440 --> 00:38:36,640
Speaker 1: do play, you're the best version of yourself. And by

870
00:38:36,640 --> 00:38:38,440
Speaker 1: the way, I'm obsessed with having a trainer. I think

871
00:38:38,440 --> 00:38:41,200
Speaker 1: that when you are busy, it is so hard to

872
00:38:41,239 --> 00:38:42,479
Speaker 1: get your ass to the gym.

873
00:38:42,920 --> 00:38:44,400
Speaker 2: That's the best part about it. It's not even there

874
00:38:44,400 --> 00:38:46,600
Speaker 2: teaching you what to do. It's you're now dedicated at

875
00:38:46,600 --> 00:38:47,759
Speaker 2: that time because you're paying that money.

876
00:38:48,440 --> 00:38:50,080
Speaker 1: Like you think I would ever do a lunge if

877
00:38:50,080 --> 00:38:53,799
Speaker 1: someone was paying someone like a lune Absolutely not. That's

878
00:38:53,560 --> 00:38:56,960
Speaker 1: not on the menu for me. So maybe a walk to.

879
00:38:57,120 --> 00:38:59,040
Speaker 2: Keep yourself healthy. Another thing would be like things I

880
00:38:59,080 --> 00:39:00,880
Speaker 2: do to keep myself healthy peptide.

881
00:39:00,880 --> 00:39:01,279
Speaker 1: I'm sure.

882
00:39:01,480 --> 00:39:03,280
Speaker 2: Yeah, so that's what you mean by.

883
00:39:03,160 --> 00:39:05,000
Speaker 1: That plasma I could see you doing.

884
00:39:04,840 --> 00:39:06,440
Speaker 2: Plasma blow spinning.

885
00:39:06,239 --> 00:39:07,520
Speaker 1: Yeah, I could you spinning.

886
00:39:09,440 --> 00:39:13,160
Speaker 2: Prp Oh. Yes, all the letters Okay.

887
00:39:12,880 --> 00:39:14,879
Speaker 1: I love it. I surprised I don't have an IV right.

888
00:39:14,760 --> 00:39:16,839
Speaker 2: Here, got letters? I are probably staking in my bodies.

889
00:39:16,960 --> 00:39:19,560
Speaker 1: Okay, I love the season two. Maybe you've got some

890
00:39:19,640 --> 00:39:20,279
Speaker 1: needles going.

891
00:39:20,520 --> 00:39:23,120
Speaker 2: So that's what you mean by human capital, Yeah.

892
00:39:22,880 --> 00:39:24,720
Speaker 1: Like things that you do like I think, well, okay,

893
00:39:24,719 --> 00:39:28,680
Speaker 1: so like say you're uh starting your career, you might

894
00:39:28,760 --> 00:39:32,520
Speaker 1: feel like you're just like on this hodonic treadmill and

895
00:39:32,600 --> 00:39:35,560
Speaker 1: like nothing's really working and whatever. But like if you

896
00:39:35,600 --> 00:39:37,359
Speaker 1: invest in your skill, like people who are so scared

897
00:39:37,400 --> 00:39:39,719
Speaker 1: of AI, right, I doesn't take all my jobs whatever.

898
00:39:39,760 --> 00:39:41,200
Speaker 1: The people who win, they are gonna be the ones

899
00:39:41,239 --> 00:39:42,920
Speaker 1: who know how to use it. So instead of being

900
00:39:42,960 --> 00:39:45,200
Speaker 1: scared of AI, learn how to use it, get really

901
00:39:45,200 --> 00:39:48,440
Speaker 1: good at it. Things like that where you put yourself

902
00:39:48,480 --> 00:39:51,040
Speaker 1: in the position to win because you invest in making

903
00:39:51,080 --> 00:39:55,120
Speaker 1: yourself better. I think that you are your best investment always.

904
00:39:55,200 --> 00:39:57,080
Speaker 2: I completely agree. I think you and the people you

905
00:39:57,080 --> 00:40:00,160
Speaker 2: surround yourself to totally like you are your environment. So

906
00:40:01,160 --> 00:40:02,680
Speaker 2: and if your environment ain't good, you ain't gonna be

907
00:40:02,680 --> 00:40:04,279
Speaker 2: good for long. Like you might be good for a minute,

908
00:40:04,320 --> 00:40:06,080
Speaker 2: but you're not gonna be good for long. Yeah, So

909
00:40:06,120 --> 00:40:07,520
Speaker 2: I completely subscribe to your theory.

910
00:40:07,600 --> 00:40:09,759
Speaker 1: Yeah, one bad Apple ruin the bunch? Yeah.

911
00:40:09,840 --> 00:40:13,200
Speaker 2: Would you have any content early that popped off so

912
00:40:13,360 --> 00:40:14,560
Speaker 2: hard they kind of told you were going in the

913
00:40:14,640 --> 00:40:15,080
Speaker 2: right direction?

914
00:40:15,719 --> 00:40:18,400
Speaker 1: Such a question. I am not an overnight success. I

915
00:40:18,400 --> 00:40:20,880
Speaker 1: don't know if that's your journey. But for me, I

916
00:40:20,920 --> 00:40:24,279
Speaker 1: have been grinding for like nine years. There's certainly been

917
00:40:24,400 --> 00:40:27,839
Speaker 1: content that really pushed me to the next level. Like

918
00:40:29,000 --> 00:40:32,080
Speaker 1: I did a video about Remember I don't know if

919
00:40:32,080 --> 00:40:35,120
Speaker 1: this was came across your desk, but when Beyonce was

920
00:40:35,160 --> 00:40:38,480
Speaker 1: on tour, she was every her daughter was dancing with

921
00:40:38,520 --> 00:40:41,440
Speaker 1: her every weekend, and the internet would go crazy, like

922
00:40:42,160 --> 00:40:46,759
Speaker 1: analyzing Blue Ivy Beyonce's daughters dance moves and is she

923
00:40:46,800 --> 00:40:49,600
Speaker 1: and Nepo baby, is she even good? La? And like

924
00:40:50,520 --> 00:40:53,319
Speaker 1: and Blue invested in her own human capital actually and

925
00:40:53,560 --> 00:40:55,319
Speaker 1: like worked really hard to get better. So if you

926
00:40:55,320 --> 00:40:56,799
Speaker 1: see the videos from the beginning of the tour to

927
00:40:56,840 --> 00:40:59,960
Speaker 1: the end, she's like, she's like pro by the end,

928
00:41:00,000 --> 00:41:05,080
Speaker 1: which is I mean just an aside, but I made

929
00:41:05,120 --> 00:41:09,759
Speaker 1: a video about custodial rothy raise connected to that, which

930
00:41:09,800 --> 00:41:12,920
Speaker 1: are these investment accounts that you can open for children

931
00:41:12,960 --> 00:41:16,320
Speaker 1: who have taxable income, which, of course, if you're dancing

932
00:41:16,360 --> 00:41:18,239
Speaker 1: on a tour, whether or not it's your mother's tour

933
00:41:18,360 --> 00:41:21,319
Speaker 1: or not, you have taxable income. And I showed how

934
00:41:21,360 --> 00:41:24,640
Speaker 1: much money you could make by doing that through telling

935
00:41:24,680 --> 00:41:27,000
Speaker 1: the story of Blue Ivy that, of course the whole

936
00:41:27,000 --> 00:41:30,759
Speaker 1: Internet was aware of because every weekend she's performing and

937
00:41:30,800 --> 00:41:33,520
Speaker 1: then there's a discourse, and you know, it was right

938
00:41:33,640 --> 00:41:36,160
Speaker 1: in the culture pop but it was the perfect Missus

939
00:41:36,160 --> 00:41:39,480
Speaker 1: dow Jones moment of taking the pop culture and using

940
00:41:39,480 --> 00:41:41,160
Speaker 1: it to tell you something about money.

941
00:41:41,360 --> 00:41:42,640
Speaker 2: Spinach in the Brownie.

942
00:41:42,239 --> 00:41:46,040
Speaker 1: Spinach and the Brownie Baby, and that was insane. That

943
00:41:46,200 --> 00:41:52,040
Speaker 1: was like three hundred thousand followers, Yeah, three hundred thousand followers,

944
00:41:52,080 --> 00:41:56,600
Speaker 1: like push me really quickly to a million. That video

945
00:41:56,680 --> 00:42:01,440
Speaker 1: got like thirteen million views. But instead of just getting

946
00:42:01,440 --> 00:42:04,280
Speaker 1: the views and sometimes the video is viral and nothing happens,

947
00:42:04,360 --> 00:42:08,120
Speaker 1: it actually grew me. So that's one that I think about,

948
00:42:08,160 --> 00:42:10,120
Speaker 1: But I think everything else is just one foot in

949
00:42:10,120 --> 00:42:12,640
Speaker 1: front of the other. And like you said, so many failures.

950
00:42:12,719 --> 00:42:15,399
Speaker 1: Like that's one video that worked. Guess what, there were

951
00:42:15,440 --> 00:42:18,440
Speaker 1: like one hundred other videos that didn't work that broke

952
00:42:18,480 --> 00:42:20,480
Speaker 1: my heart that I worked just as hard on. So

953
00:42:20,520 --> 00:42:23,399
Speaker 1: you can't, you know, ever figure out what's going to hit.

954
00:42:23,880 --> 00:42:28,160
Speaker 2: Well, congratulations, it's fantastic, Thank you, future rich person. Here

955
00:42:28,160 --> 00:42:30,239
Speaker 2: it is. I'm gonna show all the cameras so nice.

956
00:42:30,280 --> 00:42:31,640
Speaker 1: I feel so lucky I get to sit down with you.

957
00:42:31,680 --> 00:42:32,400
Speaker 1: I'm such a big fan you.

958
00:42:32,640 --> 00:42:34,080
Speaker 2: No, did stop.

959
00:42:34,280 --> 00:42:35,480
Speaker 1: It's true you did.

960
00:42:35,640 --> 00:42:38,600
Speaker 2: I know your content. I'm not even gonna challenge you.

961
00:42:38,640 --> 00:42:40,920
Speaker 2: I'm just gonna say thank you. My therapist says I

962
00:42:40,920 --> 00:42:43,200
Speaker 2: should say thank you when people say something, and not

963
00:42:43,360 --> 00:42:44,040
Speaker 2: like you're lying.

964
00:42:44,239 --> 00:42:45,920
Speaker 1: No, I do that too. You reflect.

965
00:42:46,120 --> 00:42:48,680
Speaker 2: Yeah, you're like, oh, Bobby, I like you. You're lying.

966
00:42:49,000 --> 00:42:51,319
Speaker 1: No, Bobby, I like you and you're lying.

967
00:42:52,600 --> 00:42:56,120
Speaker 2: Okay, here's the book. It is a New York Times bestseller. Hayley,

968
00:42:56,239 --> 00:42:59,320
Speaker 2: thank you so much. And I will continue to consume

969
00:42:59,520 --> 00:43:02,840
Speaker 2: your content tent so nice. Me too, ditto, She'll consume

970
00:43:02,880 --> 00:43:05,479
Speaker 2: our content to perfect All right, there it is you guys,

971
00:43:05,640 --> 00:43:06,200
Speaker 2: get the book.

972
00:43:07,320 --> 00:43:09,840
Speaker 5: Thanks for listening to a Bobby Cast production