CO-HOST | Make Money, $27 a Day Can Change Your Financial Future

0:00This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online makes sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus. Your listening to the Travis Makes Money podcast. What's going on everybody? Welcome back to the Travis Makes Money podcast. For its permission to help you make more money on this episode of the show, my producer Eric is in studio. What's up? What's up Travis? It's your boy back in studio. That was better than the last one. The last one was bad. And no one over here because I already re-recorded over it. I re-wound the tape and re-recorded right over it. Thank you. Right over it. So it's gone. Travis, have a question. Your math whiz. Well, they called you the whiz back in high school. Say hey, we had an actually, they called me the human calculator.

1:00That is so disappointing. Yeah, third grade teacher called me. It's legit. I'm really getting nervous that you're, you're, because every front group has to have one cool guy and one nerd. Okay. And I feel like you're trying to take my spot. What? Because I can't do that. I can't get better basketball, but you can, you can slow your roll on this. Because I need someone like we get stuck in an alleyway. We can't both get beat up. Yeah, that's true. You know what I mean? So I have to go. I need you to be a brawn. Actually, you know, I don't, I like that you're softening up in your old age. I'm the human calculator. I've always been there. Hey, I'm the human calculator. I was in third grade. My old loser did. No, but now I like to embrace it. I always have. Like, I'm like a robot basketball player. And now you're like, I'm a human calculator. That's you. What is this accent that you're giving me? I'm Travis Chapel. I'm a human calculator. What is this? I don't know. I don't know. It's not even an accent.

2:01Yeah, I'm Travis. I'm a basketball player. What is that? I'm a basketball player basketball player on the streets and the human calculator and the sheets. Let's restart this episode. Okay. I have a clip of Mel Robbins. Okay. It's a little segue there. I have a clip of Mel Robbins, the human podcaster and author. And she released a clip. How much money do you need to spend in a day to blow $10,000 in a year? Human calculator activate. Not much. Like, 30 bucks. Human calculator. Is that your final answer? Something like that. Pretty close. Mel was like, I don't know. She's a very great listener to guess. Because she's obviously very smart. And so, and then she was acting like me hearing this information in the clip. What? Like, whoa. Oh, that was that. That's my favorite Nate Bargazzi standup clip. What? Is when he gets off the stage. I'm just kidding. I like Nate Bargazzi. I just wanted to diss him for making

3:02watch the breadwinner trailer in theater so much. No, Nate Bargazzi's thing where he says, my knowledge of history is so bad. I'm on the edge of my seat when I watch movies based on historical events. Yeah. He's like, I think he says like the Civil War. And he's like, whoa. You know, that's how I literally feel like that though a lot of times. That one and similar to the one where he does the technology thing where he's like, if like, if I went back in time, I would have no way to prove that I'm from the future. Yeah. I was like, I just don't, I thought about that so many times. Like if I found myself back in time, it'd be like, well, this technology exists to do this thing. And they'd be like, oh, cool. How does that work? And I'd be like, yeah, exactly. I don't know. Yeah, I guess I'll just ride the horse. I can't invent a car. Yeah, you could take a phone. You'd have to. Yeah, but you have no internet. Yeah, but you could stow whatever. This is not the point. Anyway, the point is I found it humorous. How Mel Robbins reacted to this. Because even I, who's basically a monkey that learned to talk, kind of knew exactly around what he was going to say.

4:05But she was like, gobsmacked. Man, I knew she was doing it for her guest. Gobsmacked. She was doing it for her guest to be like receptive. Right. And I've caught myself doing that too. I'm like, really? Tell me more. I know this dude. I know that. But anyway, here we go. So for some of our guests, they might be gobsmacked. And you know what? I want to be clear. I'm not making fun of you. I'm making fun of Mel Robbins for doing this four-year purposes. All right, here we go. Ready? Pay to below $10,000 in a year a day. How much money you have to spend a day? She knew. She immediately knew the answer. I just have no idea. Do you think she didn't know that? What did the odds she didn't know? I don't think she knew for sure, but like, it's okay. So here's how much you have to spend a day to blow $10,000. $10,000. So I'm holding a brick here of 10 grand. Okay. A lot of people would like to say, please leave that. That's how much you pay to be on the show. Mel Robbins charges $10,000 in a brick. It's just sort of the unspoken thing. Just leave it on the table. Yes.

5:06When you walk in. We should do that. Don't talk about it. Just better business model. This brick. Yes. It's $27.40 a day. Wait a minute. $27.40 a day. It's just $10,000. They did that thing where they're like, let's say it at the same. Do you believe she's that gobsmack? I don't know. Why should you do that? I don't know. It's very, that it concerned me when I watched it. I said 30 bucks and then you were like, well, it's pretty close. And I said 27. Yeah. And she's like, you're kidding me? Yeah, that seems like a great. Can we reenact this real quick? Come on. Hold on. Hold on a second. I need to do this. I need to do this. Thank you. Wait, who am I? Your Travis. OK. OK. We're going to do a bit here. This is a bit. OK. Again, this is for people listening. I just went to the closet. You heard rustling. Just going through all of Travis's old playboys, all of my stacks of cash, and to find all

6:09your penthouse collection in there. Yeah. Just kidding. You're a good boy. You wouldn't do that. No, we have the internet. It's boring. I don't borrow your phone. All right. So I just went and got a stack. This is probably not Tangerine here. Well, no, this is no robins. How much we have? 2001. No, let's see. This is $10,000. So now I'm going to do. OK. Thank you. Travis, I have a brick in front of me here. Yeah. And this is $10,000. $10,000. Travis. Do you know how much you'd have to spend? To spend $10,000. And you have to spend a day to spend $10,000 a month. I have no idea. It's impossible to figure that out. It's about $27 a day. $27 a day? Whoa, you blew me back up. You got my chair. You'll have to spend $27 a day. I know. And we have to say it at the same time. $27 a day to spend $10,000.

7:11$10,000. $10,000. That's pretty good. That sounds pretty good. You could have them all Robbins podcasts. That just ripped the band on to these. So now it's just free money. All right. And this one ripped open. That's just a shame. Oh, let's see if you can action. Can you know where you're wiping? Now, what happens, Mel, if you invest $27 and $40 a day, this explains compound interest. If you invest $27 and $40 a day, you're in your 20s, can you do this until 40 years at a 10% rate of return? She has heard this. Yeah, 100%. It's actually, I was just going to say it as an aside, but it's actually actually, actually make me mad. Yeah. I don't know why I stuttered over that, but it's actually bothering me now. There's no way that you've done what you've done for as long as you've done. She's heard, this is like, you hear this a lot. Yeah. I appreciate it as an interviewer, but I also despise it too. What the stock market has averaged for 100 years. She used that fund I told you about the VTI fund.

8:13You have $4,424,000. Say that again. If you invested $27 and $40 a day, which money does it take to blow $10,000? Man, yeah, I was trying to find some ones. The mind-blowing thing is a little over the top. $27 a day. And again, yes. Like this is not news. She's like, right, he's like, you put that in the stock market. And she's like, wait, see that slower. Yeah. Stock market. And what is that? The most successful business owners don't do it all themselves. They delegate. Upwork lets you build a team of highly skilled specialists for every function your business needs so that you can focus on what you do best and that experts handle the rest. Upwork gives your business fast access to highly skilled specialists with deep expertise so you can fill critical skill gaps, launch projects faster, and skill support up or down without committing

9:15to full-time headcount. I don't know how many times I've used upwork in the last, I don't know, call it decades since I've started doing stuff online, but it is many, many, many, many times. And then with Business Plus, you can access the top 1% of talent on upwork as well. AI-powered shortlisting delivers a curated shortlist of top freelancers match to your goals and under six hours. So there's no endless searching required. It also cuts down operational hassle by handling things like contracts and payments in one place. You can spend more time running the business. With over 170,000 freelancers holding five star ratings you can hire with the confidence that comes from hiring someone with a verified track record. It's free to sign up and posting a job is easy. Visit upwork.com right now and post your job for free. That is upwork.com to connect with top talent ready to help your business grow. That's UPWORK.com. Upwork.com.

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11:18terms and limits apply. Go to chime.com slash disclosures for details. I need that mail robins impersonation girl to see this video. You're telling me, if I can, $27 a day, I used $10,000. Okay, but okay, now to fully engage with the content of the clip, sometimes you do sit back and go, my $27 a day, it's $10,000 a year. That's pretty great. I could find $27 a day. Yeah, you think I can. I don't eat my lunch. You should. So this is a wonderful says. You should, but simplifying it does not mean that it's something that everybody has. Hey, you're talking about, you're still talking about almost a thousand times plus. Sometimes, travis. I'm gonna hold your hand when I say this. I don't want to. Let me, I'm gonna, I'm gonna say this real slow. I want to do that. Sometimes travis, hold your hand. No. Stop pressing my thumb like that. For the audio listeners, this is getting very weird. Sometimes things in life are simple, but not easy, but not easy. Hashtag David Goggins, like you're somebody.

12:19Everybody said that. Pretend you're mail robins. I just thought that sometimes travis, things in life are simple, but they're not easy. Wow. Is that again? Sometimes travis. Sometimes in life things are simple, but not easy. So you're saying. I thought you were gonna say it again. I wanted to do a perpetual loop for the next 10 minutes. That'll be fun. Yeah. What it? Wow. It's a far too long. Be like the too many cooks video, but for the university amount. Sure. I have not. No. But I mean, he is correct. It's just a matter, again, calling it 27 bucks a day, that's an old, you know, sales trick. It's like my favorite one. It's down to the ridiculous. Is for the cost of one cup of coffee a day, and I'm like, what chain? Yeah. This is the cost of four coffees a day. The cost of my chitilatte when I was really abusing Starbucks was I could have had $30,000 at the end of the day. Yeah. For the cost of, because he used to have all the time for church when they'd be raising money. Like for the cost, or like for a hundred pennies a day.

13:23Right. And you're like, cheeses. They'd break it down into the. That's a dollar. Yeah. They just made, like for 10% year income a day. But if you don't have a thousand bucks a month to spare, you're not going to hear that and go like, wow. Yeah. Only that much. Because what? Okay. There's almost a thousand bucks a month. Okay. Oh, see, but see, I'm sincere. When you told me that, I really was like, oh, a thousand. Yeah, well, it's 12,000 a year would be a thousand a month. Okay. So it's almost that. But my point is, is like, I'm not going to be a thousand. But my point is, is like, a lot of people just don't have that. But, but, here's the power ties it. Like what are you saying? Like it should, if you look at it like a payment, you know, if you look at it and go, because I always go, I always think of it this way. Sometimes at night, you get like a craving and you're like, I don't know what are jalapeno peppers. Yeah. I just, the other day on Monday, I was like, you were jalapeno peppers. I'm like, I'm like, I'm a little parched. I'm in it. It was about 10.30 at night.

14:24I was like, I'm parched. I said, come on, babe. And we went to chilies and got the triple dipper. Nice. And I ate the mozzarella sticks and buffalo wings because I was a little parched. No. I just got two orders of cheese sticks. You know, but, but think about it in that context. If I denied that craving, I could put that money. Or if you just, if you prioritize the money going, like, if it's something that's set on auto and you don't even realize it, it's just, you just, you just, you just, you just automatically goes to chilies. You got it. It's a chili's fun. You've got to treat it like a bill. Yeah. Like the, the, the verbiage that I've heard that I like is you pay your future self first, yeah. Like this goes into this Monday, into this account. And if that means that I don't have any leftover money for Starbucks or Chili's, then that's what that means. Ah. If it means that I do, then all spend it on Starbucks or Chili's. That's not easy Travis. Yeah. But it is simple. You're right. It's not easy. No. those little things that you're just like,

15:25and obviously you should enjoy your life too. So there's certain things. I mean, I felt like that at Universal Constantly, like we'd buy some, I was like, I could have, you know what I could have done with this $20 I just, I wasn't saying, you know what's not a fun exercise, but is effective in those moments of weakness? Not a fun exercise, all of them. Yeah, well, if that's not true. Actually, I understand that I'm pretty thin. But it is helpful if you're in a moment where you're feeling like I shouldn't spend this money, but I really want to do the math or like throw it to a chat GPT or something and just say, like what would this dollar amount be worth in 30 years invested in the stock market at 10%. That sounds like for your, Travis wanted me to ask with you. That sounds like the worst exercise I've ever heard of mine. That's what I'm saying. It's not fun, but it'll also make you think twice about spending money that you know you shouldn't be spending. It's only as effective if it's money that you know you shouldn't be spending. Oh, wait, if you're trying to prevent yourself from making a bad financial decision, then it can be helpful to look at it and go like, this $90 shirt that I was about to buy. If I invested that, if this is basically a $3,000 shirt

16:28or whatever that dollar amount comes out to. And looking at it, it's not. Is that why you never bought a new shirt and all the time I've known? Well, can I, what was I gonna do? I was gonna ask you something or tell you something or reject something you were saying entirely. This is one of those things. That makes sense. Oh, let me ask you this. What is something that you find yourself having to spend money on often like that's not a necessity. And because you have kids, you've got to spouse and then also you do activities altogether where you just find like, oh, we do this thing. We spend like where you absolutely hate it every time you spend the money on it. And every time you think, oh God, this money be so much better spent on this. Like I actively hate that I just say that. And I can go first if you need me to jog your brain. Yeah, I would like that because there's some things where I'm like, I don't like spending the money but I also know that it's like, it's just the best thing that I could possibly do. Like for my kids. Sure. You know what I mean? Okay, here's mine. And I just did the other day. I, I 100,000% hate when a movie comes out

17:33and your kids like love it. Not your kids, my kid. I hate when your kids love a movie and it comes out. Now I hate when a movie comes out and I know in another three months, it'll be on streaming. Oh, yes. So this just happened. So we just want to go see the minions and monsters and theaters. And then my daughter was like, I gotta see it. I gotta see it. I gotta see it. And I dumb me was like, well, we should buy it when we go see your grandparent because they would like it too. But I hate it because I know it's gonna be on peacock in like three months. And I just spent $29.99 to get like the first at home whatever release. And I know you probably did that with Mario. I know. I definitely feel that I've done that part. That's one of those ones where I'm like, I know I can wait, but I'm not gonna make my kid wait three months. And that's why society's failing because we don't make the kids wait. I had to wait a year to watch Star Wars because we couldn't go to theaters. That's the same. Anyway, go ahead. Yeah. And you had to wait for it to come out on VHS. My parents did two things about that.

18:37One of it sucks and one of it was really cool. So they didn't let me see Star Wars Episode 3 and theaters sucks. All my friends saw it and made a point to tell me everything and also to go, ooh, you have a TV? Yeah, those are jerks. And so I couldn't go to the theater. And then we had to wait, I think people forget too, by the way, that it was like, it would be a theatrical run for like months. Yeah. And then it was like six months before it was like in movie stores. Movie videos. Where you go physically get like Netflix, but you had to go there and put on pants. And God, it's so easy. It's like an old person. I notice it every day now. And then it's what it is. So my parents did that. Not cool. I had to wait so long to watch it. And I was like obsessed. Like I needed to see it so bad. But cool is when it did come out on DVD. My mom went without telling me and got it on DVD. Nice. And said, you're staying home from school sick today. Oh, that's awesome.

19:37So kind of cool, but also it just kind of just evened it out. So it just meant nothing to me. Just neutral evil. Making it an occasion is the excuse that I've given myself for buying those types of movies. And when it's like, oh, this gives us something like as a family to do deceiving. But then then the crazy parts are like, oh, we're in a pizza. Hey, we're going to hang out. You all shirts that match them. And then you start, that's what I always do. It's $200. Yeah, that's what I always do is I'm like, but I've been free in two months. It's bad. But what about you? And what's one for you that you find yourself doing? That's a good one for me. Well, that's mine. You can't have it. Well, I was the biggest expense by far has been preschool stuff because again, it felt like one of those things where we're weighing out the options. And we go look at the schools. And you look at them, you do the tours. And you're like, well, this one is clearly the best one. And you're like, the most successful business owners

20:38don't do it all themselves. They delegate. Upwork lets you build a team of highly skilled specialists for every function your business needs so that you can focus on what you do best. And that experts handle the rest. Upwork gives your business fast access to highly skilled specialists with deep expertise so you can fill critical skill gaps, launch projects faster, and skill support up or down without committing to full-time headcount. I don't know how many times I've used Upwork in the last, I don't know, call it decades since I've started doing stuff online. But it is many, many, many, many times. And then with Business Plus, you can access the top 1% of talent on Upwork as well. AI-powered shortlisting delivers a curated shortlist of top freelancers match to your goals in under six hours. So there's no endless searching required. It also cuts down operational hassle by handling things like contracts and payments in one place so you can spend more time running the business. With over 170,000 freelancers holding five-star ratings, you can hire with the confidence

21:38that comes from hiring someone with a verified track record. It's free to sign up and posting a job is easy. Visit Upwork.com right now and post your job for free. That is Upwork.com to connect with top talent ready to help your business grow. That's UPWORK.com. Upwork.com. So let's be honest, everybody hates bank fees, right? Well, that's where time comes in. Time is changing the way the people bank. They're not like traditional old stuffy banks who charge fees and gatekeep perks and rewards. Time offers the most rewarding fee-free banking all with no overdraft fees, no monthly fees, no minimum balance fees. That's right, you get 5% cashback on time card in the category of your choice, like gas or groceries, all well-building credit through regular everyday spending with absolutely no credit check. You can also grow your money faster with a savings rate that's nine times the national average. In my opinion, by itself, that makes it worth it. And if you're ever in a pinch,

22:39spot me, let you overdraft up to $200, absolutely fee-free. So join the millions who are already banking fee-free with America's number one choice for banking. Head to chime.com slash Travis. That's chime.com slash Travis. Sign up now. It only takes a few minutes. Chime is a fintech, not a bank, banking services, and chime card provided by Chime's bank partners, qualifying direct deposits required, terms and limits apply. Go to chime.com slash disclosures for details. But it's also 35% more expensive than this other one. And she's four. Like, is there going to be that big of a difference? And then you start seeing the four-year-olds from the other school in New York. There is a big difference. But then you start looking at it and you go like, this is, we're talking about my child's education. Their brand, like, try to save, you know, the 30% to not go to this other place, but now they have this more. What are you doing with the 30% you've saved by not putting them in the bank? A better school? Exactly. That actually went directly to the Lexus. So, okay. Priorities.

23:40Well, this is a nice one. She's now in kindergarten at a publicly funded school. So, yeah, that is nice. It was to be trained by the state to hate you and all of your values. This is ever so brought to you by InfoWars. Not easy. But yeah, when I looked at the annual bill for that, I was like, this is like paying for, like, another Lexus? No, like a college tuition, or like a really nice, you know, private prep high school or something like that. My friend here, a free school that we're talking about. One of my friends on Moodavegas was like, you should check out, it's expensive. He's like, my son goes to a private school. I think both his kids. And I was like, how much is that? Because the school that we were at was like three grand a year when I was a kid and showed it. It's like, you get what you pay for. But like I'm sure like, when Kester was probably not that different. Probably like five grand or four. No, it wasn't even that long. Yeah. And maybe this counts the more kids you see. Yeah. Just like monetizing like, popped down another kid for a private school.

24:43Cheap. Yes. And so ours was always like, so I was like, oh, what is that? I was singing in that range. And I was like, maybe like seven grand or eight grand. And he's like, that's like 20 grand per kid. And I was like, you're spending 40 thought, like the amount of how much smarter they'll be can't be that much higher. Yeah. You know what I mean? Maybe. I mean, Clark County School District is kind of crazy. But it's like, I don't know. I just couldn't justify it. I was like, that's insane. And then you also go. It's an investment for your child's future. And you hope that they do well so they can take care of you when you're old because you're not going to be able to because you spent all your money on their education. I did tell, it is nice though, because I was looking at like some of the stuff for like the high school ages. And I was like, the charter schools in Vegas are very nice. Yeah. And they're free. Yeah. So that's very cool. But the, yeah, the actual like public school. Yeah. I don't know that I would do that. Yeah.

25:43But that's Mel Robbins is like charter schools for free. We should have a say that again. We need to do, I wonder if there's a way to pull like sound bites of her acting surprised that we could just use forever. Yeah. It's like, talk about unleashes a new, wow, rice, the tacos are four dollars. Anyway, all right. Well, I thought that was an interesting clip. I look at the same way. Like it is, it can be discouraging because it's like, it's easy to spend that. I guess I'll post here today. It was like, I'm not leaving the house because it costs $100 every time you do. Right. But it really does feel like that. Pretty much any, any, any more of these days, it's again, but also sound old, but also it's starting different, though. Dude, in leaving the house now that it was where even we were in high school, I went to make Donald's with the family the other day because I had the Godzilla Mothra, you know, hello kitty stuff. Yeah, so cool. We have four now. I'm so happy. But we went in there and it was like 45 bucks. Yeah, it's cool. And I literally felt like an old man with the receipt

26:44and they're like, why is that 40? And I'm like looking back through it to check. And I'm like, hmm, happy be out $20. The burger $20, interesting. I don't know where all this came from. That's crazy. But in the Red Boar Freshers, $5. It is, it is very easy to spend the money. But that's why I say like automate it and get it out of your account and just treat it like you pay. Straight to the McDonald's app. I'm gonna do that. I'm gonna open a McDonald's account. Do they have that? I'm sure they do. McDonald's Visa. I'm sure they do. Well, I read something of, in fact, I found this, but I think it was like Starbucks is one of the largest banking institutions. I've heard of something because of how much money people just have loaded in Starbucks credits on their apps, but they hold a crazy amount of deposits. I'm gonna be honest, there's been periods of my life where I do treat my Starbucks app like a bank. Yeah, well, I'm just like here. Millions of people appear. I'll just, because I'll just be like, but actually there's maybe wisdom in that. Cause I would just be like, I'm gonna show one of the Starbucks this month and that would just use it till it runs out. Yeah.

27:44Yeah, well, yeah. I just increased the number each month. It's like $2,000. I put $2,000 on the Starbucks app. Yeah, it's that, well, you were close, Travis. It's the 385th largest bank in the United States. Oh, that's pretty. I'm pretty sure I read it was the number one bank in America. Yeah. Well, that's what I said. It's close. If you round down, it's 384 positions. But it does say customers load roughly 1.5 billion to 2 billion in prepaid cash on the Starbucks app and give cars at any time. That's cool. Each, that's a crazy part. I have about 1.5 billion Starbucks debt. What do you have? So you're your cash poor. Yeah, I said wealthy. I said wealthy. I'm mostly in Starbucks. Practically. Oh, Jordy and my portfolios in Starbucks Starbucks. No, but seriously, you leave the house these days and we should have that would be a fun segment, like boomer segment where we just complain about. What'd you spend today? But, ah, there's some, anyway, but there's a, it gets you.

28:46It's, it's crazy. It is crazy. But also, it doesn't help if you're like the things you enjoy get more expensive. Like I like going to movie, like the two things I like doing are going to movie theaters and going and getting a cigar. And both of those things can very easily be coming. So cars are getting more expensive. So cars will be able to find a good like $10. The thing that's hard is like, you know, $10 stick. That's how you get your way through college. Okay. Sorry. I just saw it there. $10 is a stick, boys. Pay this to it. $10. That's, that's why you get a seller. I don't, I didn't sell it. I didn't go to college. Don't drag me into your, I'm the human calculator. $10 is a stick. Anyway, now I was going to say that the hard thing is, is that, is that I very much, as you get older too, you want things to be experiences. And so it's very easy for me to be like, getting a cigar. That'll pair nicely with an old fashioned and I'm going to get it.

29:47And you know what, I finished my old fashioned, let me get another old fashioned. Oh, I, but I'm not going to finish my cigar. And same with the, when I go to the movie theater, it's like, man, I would really like some nachos. You know what I mean? That's bad on all count. So you can send these. Anyway, oh, dude, oh, dude, when there's a, when I go to a theater, and I usually don't, that has like real food. Yeah, because usually I go, like, if I go to like a, like a regolar AMC, whatever, but there was, there's a Cinnabar in, forget where in Vegas it is. But it's, I went there to go see, no time to die when it came out. And they had like a actual bar, bar, bar, where it's like real cocktails, because like the regal on AMC is like pre-mixed, whatever, like a real bartender making the drinks. And then they had like, like these very nice, like sandwiches and all that stuff. And dude, I want to hog wild in there. I was like, yeah, I was a $100 movie. Yeah. But it was great and I like the movie so. That's fine. Anyway, don't do that. Put that money into the S&B 500. And you like Mel Robbins who took copious notes

30:48during that interview can be financially very well. Or you can do that as long as you do this first. You know what I mean? No. Okay. Every extra penny. Dave Ramsey says, Nevermind. Dave, we need a sounding board of just every financial expert. Yeah. Dave Ramsey was like, you stupid, you stupid cow or whatever he says. On the show, I haven't listened to a lot. Anyway, go ahead and close the, close the sale here. That's it for this episode of the show. Remember money only solves your money problems. It's easier to solve the rest of the problems of money in the bank. So let's start there. Here on the Travis Makes Money Podcast. Catch you next time. Peace. Have you heard that McDonald's spicy chicken McNuggets made with spicy tempura and a blend of aged cayenne? Are back. Remember to grab a few extra napkins. Bottom up, boo boo. For a limited time at participating McDonald's.