[SPEAKER_02]: Why financial literacy?
[SPEAKER_02]: Why that topic?
[SPEAKER_00]: We have a poor relationship with money.
[SPEAKER_00]: You can't run into victim Olympics around here.
[SPEAKER_02]: I think it's okay to say, I don't want to hang around with someone who talks so negatively about themselves and refuses to change.
[SPEAKER_00]: I don't have time to go hang a pooping at Ray Ray and have these low level, low vibration conversations.
[SPEAKER_00]: I'm the millionaire next door, you will know that I'm a more time millionaire.
[SPEAKER_00]: The game may be rigged, and even if it is, you have to learn how to play the game.
[SPEAKER_00]: We're not a get rich, quick scheme community.
[SPEAKER_00]: thing that is like hot on your brain that I like for right now that I wouldn't pick up just in like research and stuff like that any um you know there's a story or something or you're just working on something like that I'd love to just get into this one thing I'm wondering if you can set some light on this Ryan I am I'm in New York right now I got invited by Patreon I got a huge billboard
[SPEAKER_00]: page on slash finance community on on the platform.
[SPEAKER_00]: And so they're they're just technology up that that kind of unicorn type of feet if you will.
[SPEAKER_00]: So I'm down here, man, they don't a huge photo shoot.
[SPEAKER_00]: They got me plastered all over time squared.
[SPEAKER_00]: So I put it's right outside my window.
[SPEAKER_00]: I jumped from here to come see you.
[SPEAKER_00]: So I think that's a no worthy type of thing just seeing a
[SPEAKER_00]: Now we don't made it all way to time square from Michigan man.
[SPEAKER_00]: So I think I think that would be more of one of the pressing things Another than that man, I like what you do so we can we can dive into anything that's pertinent to you or what you naturally talk about and or like I said when you read that little intro you you might glean some stuff off of that or or dive deeper into some of the things
[SPEAKER_00]: This one there for you.
[SPEAKER_02]: Awesome.
[SPEAKER_02]: Well, I love it.
[SPEAKER_02]: There's a lot of places for us to go.
[SPEAKER_02]: So let's start with
[SPEAKER_02]: why financial literacy?
[SPEAKER_02]: Like of all the things that you could put your career into and you do a lot of different stuff, but financial literacy is one of the core tenants of what you teach of the community you've built of why people have the tremendous amount of respect for you that they do, why more than a million and a half people follow you and you've become such a force of nature.
[SPEAKER_02]: Why financial literacy?
[SPEAKER_00]: Why does that happen to us today, Ryan?
[SPEAKER_00]: Believe it or not, man, it's taboo in our community.
[SPEAKER_00]: And when I say our community and talk about the black community, specifically, bro, we're not talking about these things at the rating, which we are, which contains to a lot of the gap in the divide to be had, because
[SPEAKER_00]: We don't even, we don't even, we have a poor relationship with money.
[SPEAKER_00]: We have financial trauma that we have become so accustomed to that.
[SPEAKER_00]: So here mean you talk about the things we're able to do from a digital standpoint, sounds foreign to people.
[SPEAKER_00]: Or they might think we're not,
[SPEAKER_00]: Man, that's just for Chris and Ryan.
[SPEAKER_00]: We don't have that kind of, we can't do that.
[SPEAKER_00]: No, Ryan got awesome podcast.
[SPEAKER_00]: He's doing the technologies.
[SPEAKER_00]: He's using AI, he's using all of these things to bring real stories and real people to life.
[SPEAKER_00]: That's not just something unique to him, but when you black off at the front gate, man, that that things we talk about in terms of personal finance, and terms of just simple things like saving and putting some money away for rainy day and having an emergency fund, like those things are still challenging topics, man.
[SPEAKER_00]: So,
[SPEAKER_00]: I have signed up to carry the mantle, make it sure it's not only commonplace, but as digestible as possible, which is the one thing I think so many people have gravitated toward me for.
[SPEAKER_02]: Yeah, and I want to get to the digestible part in a second, but I want to press into something you said there.
[SPEAKER_02]: And this is a very honest question, because I completely believe and understand what you're saying about the black community struggling, but coming out of rural, white America, like I did.
[SPEAKER_02]: I think a lot of the same things that I see and here and coming out of it, and I had a,
[SPEAKER_02]: uh, a guy, uh, his name's Herman on the podcast.
[SPEAKER_02]: He's also big into the more and, uh, credit, the helping more of a credit side of the equation.
[SPEAKER_02]: Um, but really, and he had a lot of the same comments and, and, you know, I'm interested, like, it's seemingly, I do think there's some cultural aspect back to it.
[SPEAKER_02]: And I, and I, but I don't necessarily think like,
[SPEAKER_02]: black people struggle and white people don't or whatever I think it's more like they have these odd cultural narratives in the communities that get created and mostly on the lower end of the spectrum, right?
[SPEAKER_02]: So like I came from country, rural white America is about as crispy white as it could possibly be in the middle of nowhere in the woods, right?
[SPEAKER_02]: But the same toxic conversations,
[SPEAKER_02]: What do you think it is that keeps, and I don't mean class in terms of quality of human, but class in terms of financially, from
[SPEAKER_02]: access to education or until there were individuals like yourself who were willing to democratize it.
[SPEAKER_02]: Why do you think this access to financial literacy and education was kept from or just seemingly these communities didn't have access to it or weren't able to bring it in and make it part of their everyday lives the way an upper middle cast or maybe an upper class elite is essentially
[SPEAKER_00]: I think for a lot of people now with so much access to information, it's more user the crutch and it excuse at this thing because there's no reason not to write the wrongs that maybe I didn't get talk this in school.
[SPEAKER_00]: You had YouTube universally where some of the brightest minds from Ray Dalio to videos
[SPEAKER_00]: I got told you earlier, digestible and relatable.
[SPEAKER_00]: I break it down even simpler than the guys on Wall Street that I'm next to right now.
[SPEAKER_00]: And so we remove all of those excuses.
[SPEAKER_00]: Now is this to matter, are you willing to put in a work to learn the nuances of what it is to be financially literary, to not make capitalism the enemy.
[SPEAKER_00]: Not to have these negative connotations towards money or towards people with actual wealth.
[SPEAKER_00]: And so it's about like you said earlier you said it's so eloquently changing that narrative and that negative rhetoric that they've carried for so long that now it's more like no Ryan but the system.
[SPEAKER_00]: He'd come from nothing.
[SPEAKER_00]: Chris bucked the system, he'd come from nothing.
[SPEAKER_00]: Now what do you guys got to say?
[SPEAKER_00]: We're not, we're not the elites of the world.
[SPEAKER_00]: We're a regular, everyday people that has shown that is possible.
[SPEAKER_00]: So it's just about continuing to do the work.
[SPEAKER_00]: I always tell guys, man, listen.
[SPEAKER_00]: those of us in a financial literacy space, we have so much more work to do because although like in my case, I have a real cold following.
[SPEAKER_00]: I can go sell out in the city state, then you, they will show up and show out and we love talking about money.
[SPEAKER_00]: but that's my million followers.
[SPEAKER_00]: There's still a whole bunch of people that don't ain't ever heard of me.
[SPEAKER_00]: There's some people that's going to watch this podcast that they and be like, Ryan, who was that guy and never heard of him?
[SPEAKER_00]: And that's okay, but that still shows me there's more people to reach and that we got to continue to fish and real more people in.
[SPEAKER_00]: So for me, Ryan,
[SPEAKER_00]: It's just a historical thing that now, with all the access to information, we have to do better at being intentional, not changing that narrative in that message.
[SPEAKER_02]: How do you crack someone open who has, I'm going to take a step back?
[SPEAKER_02]: I know you've come across these people a million times in your case, far less in mind, but I have as well.
[SPEAKER_02]: They talk about themselves, their relation to money, their place in the world.
[SPEAKER_02]: It's not self-deprecating, it's legit negative self-talk, like they almost wear their inability to save a dollar or their inability to or unwillingness to learn even the basics of stock market, etc.
[SPEAKER_02]: Like they almost wear that as a badge of honor, which I find to be very odd.
[SPEAKER_02]: Like of all the things you'd want to put on your shoulder as a patch, like I suck at money,
[SPEAKER_02]: You know, these throwaway comments where people just talk very negatively about themselves and about their relationship to money.
[SPEAKER_02]: How do you break that mentality down?
[SPEAKER_02]: And like when you're working with someone or your in front of a group and you're helping them kind of reframe that relationship to money.
[SPEAKER_02]: What are some of the first steps to break them out of that negative self-talk?
[SPEAKER_00]: We call it what it is.
[SPEAKER_00]: call it out directly.
[SPEAKER_00]: And in our world, this car running in a victim Olympics, we don't do that.
[SPEAKER_00]: You can't run in a victim Olympics around here.
[SPEAKER_00]: If they call me coach in the finance world, if coach is on your bumper, if you call me for a coaching call, if we meet up at one of our meetups across the world.
[SPEAKER_00]: And I hear you talk, they already know when it comes to me, we don't even
[SPEAKER_00]: We don't even allow that rhetoric, but you're so right.
[SPEAKER_00]: We call it running the victim Olympics.
[SPEAKER_00]: And soon as I hear it, soon as I was meet person, come up, soon as I hear you look in a blank, something that Ryan did, soon as I hear that, we never had enough blood.
[SPEAKER_00]: And it's or I either make the determination if you unable to nip it in the blood.
[SPEAKER_00]: you're uncultiple and I don't have time to invest in you.
[SPEAKER_00]: So we have a clean cut line on those type of individuals that carry that mindset because to your point, Ryan, they're either using it as a way to stand bondage at this point.
[SPEAKER_00]: or they are looking for somebody to hold them accountable and they're looking for that breakthrough.
[SPEAKER_00]: You only got two options in this game and so I'm looking for the ones that's wanting the information looking to be better.
[SPEAKER_00]: and do better moving forward.
[SPEAKER_00]: So that's kind of how we tackle that.
[SPEAKER_02]: No, I love that.
[SPEAKER_02]: And I love that.
[SPEAKER_02]: And I think it's the right way to handle it that you're unwilling to give your time to someone who is unwilling to accept what you're willing to give.
[SPEAKER_02]: And I think that's wonderful because there is an aspect of this that I think people can be enabled.
[SPEAKER_02]: right they have this negative self talk they have this woe is me victim you know they're running the victim Olympics and they want to run right alongside them and i think that we do our family members our friends our community a disservice when we kind of placate that mentality when we don't you know you don't have to be an asshole to them you don't have to be a jerk right you don't have to dunk on them but
[SPEAKER_02]: I think it's okay to say, I don't want to hang around with someone who talks so negatively about themselves and refuses to change, right?
[SPEAKER_02]: I want to have a positive relationship with money with my career with how I evolve and become the best version of myself, and this does feel like one of those things, particularly money as a topic where the five people you hang out with have a major impact in how you think about money.
[SPEAKER_00]: You see that to me.
[SPEAKER_00]: I have a cut family off for that very reason.
[SPEAKER_00]: because you will see it even from them that they are now refusing to grow, refusing to evolve, remaining and stand stuff.
[SPEAKER_00]: And so it's a hard decision that you gotta come to, but you have to love them from a distance.
[SPEAKER_00]: You cut them off, not that you don't love them, but you have to put some distance between
[SPEAKER_00]: that running the victim Olympics mindset to the the growth mindset.
[SPEAKER_00]: And so and today are ready to bring themselves at least up to speed in terms of their understanding.
[SPEAKER_00]: You have to create this is because you will also notice, right?
[SPEAKER_00]: me and you might have more synergy.
[SPEAKER_00]: We might be more in alignment then somebody that was friends for us for 20 plus years or that we knew or we were with and you just like man, he's on the same wavelength that I'm on.
[SPEAKER_00]: He's already thinking and projecting on the wavelength that I'm on or that I'm trying to go to.
[SPEAKER_00]: I don't have time to go hang with Pooking at Ray Ray.
[SPEAKER_00]: and had these low level, low vibration conversations.
[SPEAKER_00]: You feel me, and so, absolutely, man, sometimes guys, as we listen to this, you gotta cut off people that may sometimes be family and or friends that refuse to get on the ball with where you're going in life.
[SPEAKER_02]: I completely agree, and I don't know if you found this, but I certainly have, when if you can have that, I think some people go about,
[SPEAKER_02]: quote unquote cutting people off in a wrong way, right?
[SPEAKER_02]: It's like an aggressive like, I need, you know, you're wrong, I'm right, I need to get you out of my way.
[SPEAKER_02]: And I don't think that's the way to go about it unless the person is truly, truly toxic.
[SPEAKER_02]: I think in most scenarios, you know, I'm a Christian and I think in this scenario, it's our responsibility to say, hey,
[SPEAKER_02]: If you want to come along this ride with me, I'd love to have you, but this is where I'm going and I'm not going to stick around here with you.
[SPEAKER_02]: If you want to stay here, that's fine.
[SPEAKER_02]: I love you.
[SPEAKER_02]: I wish you nothing but the best, but I got to walk away because there's a better.
[SPEAKER_02]: There's a higher path for me, a higher vibration.
[SPEAKER_02]: I love to use that term and in which you'll find is.
[SPEAKER_02]: the simple act of setting a boundary sometimes, will be the push that person needs to go.
[SPEAKER_02]: Wait, Chris is willing to walk away from our relationship to become a better version of himself?
[SPEAKER_02]: Shit, I kind of want to go with him.
[SPEAKER_02]: Like, that sounds better than what we're doing.
[SPEAKER_02]: You're right, like setting that boundary can actually be a good thing for a relationship and can actually be what brings somebody along.
[SPEAKER_02]: Have you found that to be the case?
[SPEAKER_00]: Right, right.
[SPEAKER_00]: cut off is not a aggressive act.
[SPEAKER_00]: It is more or less you walk in in your purpose.
[SPEAKER_00]: You walk in an alignment with what you were caught to do and some people see that and feel like you outrude them or that you've changed or you know say that you don't come around anymore and some people see it and say, I see where you're going.
[SPEAKER_00]: See that favorite looking real good on your Ryan.
[SPEAKER_00]: I want to get left.
[SPEAKER_00]: Let me leave.
[SPEAKER_00]: Let me leave grab one to your coat till
[SPEAKER_00]: they fall by the wayside you are so right we're not a we're not aggressively cutting them all it's uh it's uh at overtime it's a a series of actions and decisions that you have seen make consistently that kind of create the distance if you
[SPEAKER_00]: you will again, nothing malice, nothing malaceous, nothing with ill intent, it's just you will just see like, man, even your original question, what got you into this?
[SPEAKER_00]: I'm an athlete at my court.
[SPEAKER_00]: And so as a high level athlete, Ryan, I was always intrigued with how do pro athletes that make millions of dollars go rogue?
[SPEAKER_00]: once their careers over.
[SPEAKER_00]: That alone took me down as rabbit hole of financial literacy.
[SPEAKER_00]: And so, when I see now in my current state of light for our athletes and our former athletes, our struggling to find themselves, we call it a light after sports.
[SPEAKER_00]: And they don't land an analyst job at ESPN or if they don't get that bar stool, podcast gig or something from the volume,
[SPEAKER_00]: The rest of them are having a hard time figuring things out.
[SPEAKER_00]: And so
[SPEAKER_00]: understanding football isn't who you are is what you did.
[SPEAKER_00]: That was something you did for a season of your life.
[SPEAKER_00]: God has plans for your life planned being plural that he has called you to do a good thing and more things than just playing football or playing basketball.
[SPEAKER_00]: And so that's from my true passion for the financial literacy piece came.
[SPEAKER_00]: It was a focus on athletes.
[SPEAKER_00]: I always say
[SPEAKER_00]: going get to 99 because the 1% that make it, okay, they're among the gifted in the elite.
[SPEAKER_00]: But there's going to be 99 other athletes, percent of athletes that go professional with something else.
[SPEAKER_00]: And that's how I built my empire off of attracting those, being able to relate to those, having a similar story in journey of those.
[SPEAKER_00]: And so I just made financial literacy and building wealth.
[SPEAKER_00]: a cool thing.
[SPEAKER_00]: I'm not flashy.
[SPEAKER_00]: I'm not a flamboyant guy.
[SPEAKER_00]: I'm not an over-hyped guy, Ryan.
[SPEAKER_00]: I'm the least assuming guy.
[SPEAKER_00]: If me and you were somewhere,
[SPEAKER_00]: I'm the millionaire next door.
[SPEAKER_00]: You wouldn't know that I'm a monster millionaire and have none of what I have because outside of this, just the most I'm gonna do on my hat guy.
[SPEAKER_00]: I'm a hat guy.
[SPEAKER_00]: So if you ever wanna get me a gift, man, let's, let's will suffice.
[SPEAKER_00]: But I'm a hat guy, man.
[SPEAKER_00]: So outside of me, having on a hat, I'm not doing nothing to attract attention to myself.
[SPEAKER_00]: I drive a used car for example.
[SPEAKER_00]: My houses are paid off.
[SPEAKER_00]: And I've always been a guy that may sound financial decisions.
[SPEAKER_00]: And so I think that every day person can see the practical steps that I've made on my journey.
[SPEAKER_00]: And they say to themselves, I can be like, coach, I can do those things too.
[SPEAKER_00]: He gets, he cuts his own hair.
[SPEAKER_00]: He packs his lunch before he retired from the corporate world.
[SPEAKER_00]: He drives you instead of driving new every two.
[SPEAKER_00]: He does these things that the everyday person can do and look at how he built his well, slowly and methodically.
[SPEAKER_00]: Now it has skyrocketed because now I have global attention on me, I have national attention on me.
[SPEAKER_00]: I have all the corporate sponsors for clamoring to do something with me.
[SPEAKER_00]: So now it's, it's them super charged.
[SPEAKER_00]: But before, I was just your everyday and I still am.
[SPEAKER_00]: Your everyday regular guy that just put one foot in front
[SPEAKER_00]: no fanfare, no flash you'd like to find.
[SPEAKER_00]: That's what it was.
[SPEAKER_02]: That's what a name and me to your content.
[SPEAKER_02]: So much was how accessible it was.
[SPEAKER_02]: Like just watching you listen to you talk like you're not
[SPEAKER_02]: you're not preaching down to people, you're not trying to put yourself on a pedestal.
[SPEAKER_02]: I mean, obviously you use the decisions you've made and the life and the path that you've taken as a guide.
[SPEAKER_02]: But, you know, it feels like, you know, I was watching and I'm going through and let's look at them.
[SPEAKER_02]: I'm just like, man, this is,
[SPEAKER_02]: It's so tangible like you it feels you're making it very real for people.
[SPEAKER_02]: So how do you take what I think what happens to a lot of people and I tend to use My mom is a guide for this smart woman, but has had the same job for 42 years enjoy.
[SPEAKER_02]: Is it you know, I was taught so the way I was taught growing up was
[SPEAKER_02]: get the corporate job, get the salary, be safe, get a form, like that was my parents guiding.
[SPEAKER_02]: I mean, my dad worked for the railroad union and my mom has been an administrative assistant for, like I said, 42 years.
[SPEAKER_02]: So same same company, same job, 42 years.
[SPEAKER_02]: So I was taught this be very safe, et cetera, et cetera.
[SPEAKER_02]: And so coming out of that environment, I had almost no financial literacy outside of, you know,
[SPEAKER_02]: what it, you know, being able to make three dollars work a day to keep yourself alive and college.
[SPEAKER_02]: I mean, like, you know, other than the nuances of staying alive as a poor person, I had no financial abilities.
[SPEAKER_02]: And so as I started to learn just as a naturally curious person, I would run ideas past my mom because I saw her as like kind of a hardworking everyday person, right?
[SPEAKER_02]: Like what, and what she would say to me is,
[SPEAKER_02]: I want to know, like I want to learn, but it feels so overwhelming, it feels so complicated.
[SPEAKER_02]: How are you able to and why do you think it's so important to take what can be very complex, seemingly complex topics in finance and all this kind of stuff, and boil them down into everyday language that someone who doesn't want to spend their day thinking about all this stuff, but can watch one of your videos for 25 minutes and come away with
[SPEAKER_02]: Maybe a new discipline to help their own financial health.
[SPEAKER_00]: My mom was very similar to yours, safe, work the job, have the security of a paycheck every two weeks.
[SPEAKER_00]: And so when I first vintage it off, I only retired from corporate America.
[SPEAKER_00]: at a very young age, but also doing this, like creating our own creator impires.
[SPEAKER_00]: And this world that they still don't quite understand, she really didn't understand it.
[SPEAKER_00]: No, San is just doesn't make any sense to her.
[SPEAKER_00]: And so she had that level of timidness, of scaredness, of anxiety around the unknown.
[SPEAKER_00]: And so I had to make sure like,
[SPEAKER_00]: don't, don't put that on me because I'm, I'm, I'm, I'm boss to the walls.
[SPEAKER_00]: I'm, I don't have no fear failing as part of how you become successful.
[SPEAKER_00]: So for me, when it can't the financial literacy and and making it relatable, I mean, I listen to Wall Street and I'm right next to the NASDAQ for instance and although I love those guys and they talk oftentimes above the everyday person
[SPEAKER_00]: They may use something like the Fibonacci may retrace to the 50 day moving average.
[SPEAKER_00]: Off top, you just lost 500 million Americans when you say that.
[SPEAKER_00]: But I know exactly what that means.
[SPEAKER_00]: And so I can come right back the same way.
[SPEAKER_00]: and say, hey, check this out, guys.
[SPEAKER_00]: Save some cash, be ready when it touches support, which is down here at this price level, right around $293.
[SPEAKER_00]: That's where you want to deploy your cash, that's where you want to buy it.
[SPEAKER_00]: And that's going to produce you the greatest return in your investment.
[SPEAKER_00]: Oh, Coast, thank you so much, man.
[SPEAKER_00]: That made so much sense.
[SPEAKER_00]: And by doing that and just doing the opposite of what they do next door to me in Wall Street,
[SPEAKER_00]: I was able to not only create more millionaires, but more six figure honors, help people pay debt off, help people pay their student loan off because now what was sounding like foreign language to them, sounded like raoccusized to them, was now broken down as such a manner riot that they now see and believe that they can do it to.
[SPEAKER_00]: And so then it became repetition.
[SPEAKER_00]: I post seven times.
[SPEAKER_00]: a week, meaning we don't got no time.
[SPEAKER_00]: We're already behind the eight ball.
[SPEAKER_00]: We don't have no time to take no days off.
[SPEAKER_00]: So I talk and teach every day.
[SPEAKER_00]: Okay, and so because I'm so focused on it daily,
[SPEAKER_00]: is just repetition, repetition, practice makes perfect.
[SPEAKER_00]: So now I'm poundin' the message home now, they talk and sound like me.
[SPEAKER_00]: When they call me or they come in, you hear a high level conversation of retail investors in there.
[SPEAKER_00]: If you ever just hang out in the comments section and you will see like man, they sound sharper than the people on the Wall Street now.
[SPEAKER_00]: They sound like the Analyst Wall Street is bringing on.
[SPEAKER_00]: to CNBC and on Homeburg and what on Forbes and what have you, and so now we have raised up a collective of interested people that's gun holo on a best-in-a-stop market, but now they got to lingo.
[SPEAKER_00]: Not the understand what Washington is saying.
[SPEAKER_00]: When something is coming, now they know you have this thing called the Trade Chapman First Trade Crew.
[SPEAKER_00]: Now they know the traps that are being set on Wall Street, like the Iran war and the ceasefire for two weeks.
[SPEAKER_00]: We already know what's to come off of that temporary cause that gave the market a temporary pop.
[SPEAKER_00]: And so we are already ready for the eventual drop because we're seeing this moving before.
[SPEAKER_00]: And just teaching them that manner that I'm telling you, I have changed millions of lives doing that and being on top of the game that way.
[SPEAKER_02]: You just described something that I hear a lot in conversation, I obviously don't teach this stuff.
[SPEAKER_02]: So this is more like side conversations with friends.
[SPEAKER_02]: The ones that maybe aren't as sophisticated or don't spend as much to be like,
[SPEAKER_02]: Why do you even spend your time there?
[SPEAKER_02]: The game's rigged.
[SPEAKER_02]: The game's rigged, right?
[SPEAKER_02]: You hear this?
[SPEAKER_02]: The game's rigged.
[SPEAKER_02]: And one of the first things that I took away from your work was one maybe that's true at the very highest level, but
[SPEAKER_02]: that doesn't mean that you and I and every other, you know, kind of feed on the ground every day person can't learn to play the game at a level that allows us to compete.
[SPEAKER_02]: Like, yeah, maybe they have some extra tricks and they can, you know, put derivatives on derivatives and package them up.
[SPEAKER_02]: But as we saw in 2008 and as we're seeing cracks in the market right now,
[SPEAKER_02]: a lot of times these guys all these fancy games they play it doesn't necessarily always yield and seemingly quite often you know rarely yields these massive returns you might see one or two winners and that's what you know gets written about in the Wall Street Journal but there's an army of these sophisticated Wall Street guys that are looking their wounds because you know they're trying to play this game and I was listening to you and I'm going like holy like
[SPEAKER_02]: like I love how you are democratizing this information in a way that now, and every day person who made me, you know, a plumber who's making a buck 10 a year and taking care of his family, he's got a couple kids, you know, he can spend 20 minutes with you in an evening, and now he's got, feels like he's got the ammo.
[SPEAKER_02]: Um, you know, how do you,
[SPEAKER_02]: You're like, what do you say to that person and maybe, maybe use me as an example.
[SPEAKER_02]: Let's say I run into one of my buddies and I get the, I get the game's rigged thing.
[SPEAKER_02]: Like, how do I crack that guy open or at least open his mind to the fact that there may be, that may be true in some extent, but that doesn't mean you can maybe rigged.
[SPEAKER_00]: And.
[SPEAKER_00]: Even if it is, you have to learn how to play the game.
[SPEAKER_00]: And so fantasy football is rigged because you know, in Las Vegas is rigged.
[SPEAKER_00]: All of it has a level of human manipulation to it.
[SPEAKER_00]: Our job is to play the long game.
[SPEAKER_00]: The way we eradicate that and navigate around that Ryan is to understand we're not a gift rich click scheme community.
[SPEAKER_00]: Number one, make that known off time.
[SPEAKER_00]: They'll come over here if you're looking to get rich quick.
[SPEAKER_00]: but in a principle, methodical fashion.
[SPEAKER_00]: That's number one.
[SPEAKER_00]: But number two, on top of the fact that it may be rigged, over time, the market wants to go up.
[SPEAKER_00]: Over time is a vehicle for wealth creation that wants to trend to the upside.
[SPEAKER_00]: So let some of the rigging serve as a buying opportunity for like you said, all those stocks go to hell, don't need it, they don't all pan out.
[SPEAKER_00]: But you can play the market, the broader market, the S&P 500, the NASDAQ 100.
[SPEAKER_00]: These indexes, over time, over the course of one to five years, they're going to trend to the upside.
[SPEAKER_00]: Whether it's four percent, Ryan, whether it's eight percent, whether it's 10 percent, whether we get out high a year, we get 20 to 30 percent.
[SPEAKER_00]: You're going to be able to get that plan that brought a market versus to your point, trying to play an individual hot stock.
[SPEAKER_00]: I remember between me and you, and I want to have a bigger content creators on YouTube.
[SPEAKER_00]: and AMC entered the freight.
[SPEAKER_00]: AMC and GameStop.
[SPEAKER_00]: Those two stocks used to annoy me from the standpoint of this.
[SPEAKER_00]: It had everybody chasing the diamond hands, the hold of the to the moon stuff.
[SPEAKER_00]: I'm looking like, man, this is not going in well.
[SPEAKER_00]: We need to stay consistent with investment and quality companies and all the overall market.
[SPEAKER_00]: But you had so many people gravitating towards that.
[SPEAKER_00]: When it didn't pan out, the screams and the cry of being rig went through the roof, whereas those of us that just sat back and bought in video, bought Palantir, bought the S&P 500.
[SPEAKER_00]: We all made 1200% or more.
[SPEAKER_00]: in just those two individual stocks and the index along.
[SPEAKER_00]: And it's just understanding that, but sometimes to get rich quick, the gravitational pull of what and what's fun and fast, override what's long-term and long-lasting.
[SPEAKER_00]: And so these are the things right, man, that we try to instill, but sometimes that's hard to come up against.
[SPEAKER_00]: And so, therefore, the
[SPEAKER_00]: Long behold, somebody had the right call to know that our president was going to announce the cease, so they were already in the market skyrocketed.
[SPEAKER_00]: But by the time the market opened for us, retail traders, everything was trending back to the downside they were holding.
[SPEAKER_00]: And so we this many years and again, we know that come with the territory.
[SPEAKER_00]: And so you just take, you just take your
[SPEAKER_02]: Do you think there is something going on unique in the economy and market, maybe our society is well right now, that has seemingly so many people chasing the short-term returns.
[SPEAKER_02]: It seems more than at least in my lifetime, 45 years old, I have been interested in the stock market since I was in my teens, mostly just, I love, I love, I love, um,
[SPEAKER_02]: I don't know how to put this the right way.
[SPEAKER_02]: Accumulation, progress is maybe better put it like anything where my compounded effort creates more.
[SPEAKER_02]: I'm just intrigued by.
[SPEAKER_02]: So the stock market, growing an audience, growing a revenue in a bit like these things, just it's where my focus goes.
[SPEAKER_02]: And post COVID, it seems like now
[SPEAKER_02]: Everyone, even even people who you wouldn't necessarily think that they would have this mentality are chasing mean stocks NFTs.
[SPEAKER_02]: Oh my god, how many people got slaughtered on NFTs right over that thing that you know AMC game stop, they're always looking instead of.
[SPEAKER_02]: The discipline of every month, I'm going to take 500 bucks and I'm going to stick it in an index and I'm going to forget that it exists, right?
[SPEAKER_02]: And I'm just going to let it grow over time, like you said, it's, well, I'm going to take that 500 bucks.
[SPEAKER_02]: I'm going to put it all in gain stop today or I'm going to put it all in some crypto mean coin that X influence or posted, you know, somewhere.
[SPEAKER_02]: And that is such a trail of tears in my opinion when you're constantly chasing these short term bursts.
[SPEAKER_02]: But it feels like right now.
[SPEAKER_02]: That is the major mentality, particularly in the youth, like the sub-dirty-year-old individuals, it's like they are not thinking diamond hands, which guys, if you're not far from there's a Bitcoin, kind of crypto term for people who hold on when things are going really bad, which if you play crypto, which is probably the best way to put it, it's gonna happen.
[SPEAKER_02]: And they're just chasing, chasing, chasing, chasing, chasing.
[SPEAKER_02]: And it does not feel healthy to me.
[SPEAKER_02]: You know, what do you think is going on?
[SPEAKER_02]: And like, how do we help those individuals start to see the light?
[SPEAKER_02]: That maybe a very small portion.
[SPEAKER_02]: And I'm interested in your take on this.
[SPEAKER_02]: Like, I've always believed to take a small portion, five, 10% depending on your risk tolerance.
[SPEAKER_02]: Play all day long.
[SPEAKER_02]: You know, take your shots.
[SPEAKER_02]: You know, those are your, that's your moonshot money.
[SPEAKER_02]: But they're using the full stack and deploying it.
[SPEAKER_02]: And you're watching people go to zero over and over.
[SPEAKER_00]: It's like the structure of something that in Phenomenal question grow.
[SPEAKER_00]: The COVID time period gamified the stock market.
[SPEAKER_00]: When everybody was at home with nothing to do, but a little bit of money in their pocket, all of what you're talking about, the structure of investors, the fundamental the ones focused on valuation and the real things that matter in the company, the price to earnings ratio, those things went out the window
[SPEAKER_00]: And so the accessibility was a factor.
[SPEAKER_00]: All good things in the totality, but the Robin Hoods, the weed walls, the various brokerages that made it readily inaccessible to so many people, every day people, now it became the gamify way.
[SPEAKER_00]: of investing.
[SPEAKER_00]: But then listen to this, the emergence of those finance influencers, even guys such as myself, like for example, I can go viral every Sunday night at nine, if I post stock market is going to go crazy this week.
[SPEAKER_00]: Three stocks to buy for a mate.
[SPEAKER_00]: When we started
[SPEAKER_00]: Ray Dalio was listening.
[SPEAKER_00]: Jamie Diamond was listening.
[SPEAKER_00]: The reddit boards were becoming more louder than their newsletters.
[SPEAKER_00]: And so now you look at, they're looking like, wow, they're not just dumb money anymore.
[SPEAKER_00]: They're some sophisticated guys in the bunch.
[SPEAKER_00]: Yeah, it's some degenerate scenario, but it's a few sophisticated ones that's calling this stuff pretty spot on.
[SPEAKER_00]: And so
[SPEAKER_00]: They did exactly what she said, Ryan.
[SPEAKER_00]: They started also jumping on, we call it momentum stocks.
[SPEAKER_00]: Though, how interior would be one?
[SPEAKER_00]: AMD is another.
[SPEAKER_00]: Crowd strike is one.
[SPEAKER_00]: Sofai is another.
[SPEAKER_00]: There's a plethora of them, but what I noticed like, man, between me and you humbly, I used to say, oh my God.
[SPEAKER_00]: everybody on fast money or squad box talked about every stock I talked about last night as if they were watching my videos because sometimes they can't talk about certain stocks because they're not a billion dollar evaluation or they have they they can't talk about a stock that's so I'm a technician this is how this is my advantage over everybody in the game I'm a technical analysis expert so I can tell you
[SPEAKER_00]: You can't tie in the market Ryan, but I can tell you when I break out of a particular stock is coming, but some of those stocks aren't to be talked about on Wall Street because they are, they would be penny stocks, or they would be OTC stocks, and I don't do penny stocks, but I'm talking about something like Palantir.
[SPEAKER_00]: Palantir used to be $8 when I first put the world on to that particular stock.
[SPEAKER_00]: Wall Street couldn't talk about it yet.
[SPEAKER_00]: So, but I saw, like, oh, they're at his car.
[SPEAKER_00]: He's a phenomenal CEO.
[SPEAKER_00]: He's a ball leader.
[SPEAKER_00]: So he was, but he's been my guy since PayPal.
[SPEAKER_00]: How put my whole man, people want to this particular play when it was $8.
[SPEAKER_00]: It ended up going to $20,000,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20,000, $20, $20,000, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $20, $
[SPEAKER_00]: Sure enough, they pushed it from 160 to 220 and we made a kill we we had two runs in that from 8 to 160 and then 160 to 220 because now big money our smart money heads funds could now buy it and They just gave us the lip now this year 206 at the cool off year you digest those earnings He's called too far too fast.
[SPEAKER_00]: They ran so now it's gonna come back for the second goal
[SPEAKER_00]: into the year 2020, 2020, 7.
[SPEAKER_00]: So these little things, this is a technical aspect of what I'm teaching the day, but these are the things that was helping us get the advantage on Wall Street, but they start seeing.
[SPEAKER_00]: Oh, these guys are on point.
[SPEAKER_00]: So near you see Josh Brown, you see Tom Lee, you see all the guys that's coming on as analysts think saying and speaking about the same stocks.
[SPEAKER_00]: We're covering, but they were not the one that they were covering before the prevalence of the financial influencers hit the market.
[SPEAKER_00]: Hope that makes sense.
[SPEAKER_02]: No, it does.
[SPEAKER_02]: And is that because is the thought there that if a show like, you know, CMBC talks about a stock that's eight dollars, they can actually move that stock too far, just because it's, it doesn't have the market capital.
[SPEAKER_02]: Is that the thought process?
[SPEAKER_00]: Like, that, that, you know, when that price is one of the reasons it doesn't have the liquidity, um, that it can be moved easily, you know, saying, once they start,
[SPEAKER_00]: pushing their billions of dollars.
[SPEAKER_00]: We retail can't move the market, but they can't, what amount of money they have under assets.
[SPEAKER_00]: And so, yeah, that's one one.
[SPEAKER_00]: And then, two, they have a designation, I believe that if a stock is not a 100 million dollar market cap, they can't cover it.
[SPEAKER_00]: No sense.
[SPEAKER_00]: So like, you might have some companies that's doing good.
[SPEAKER_00]: You might know a company now.
[SPEAKER_00]: Like, man, Chris, this is a great private company.
[SPEAKER_00]: But the company might be doing well, but they don't meet the threshold to be spoke of on.
[SPEAKER_00]: CNBC, and till they hit that level.
[SPEAKER_00]: So that's why earnings comes around every three months.
[SPEAKER_00]: And that's why it's so like the Super Bowl for investors, because we're trying to really see, are they profitable yet?
[SPEAKER_00]: Are they on track to become profitable?
[SPEAKER_00]: Because Washington really send back saying, yes, because soon as they do, we can finally talk about it.
[SPEAKER_00]: That's what the game is for them.
[SPEAKER_00]: For us, we just look like become profitable because we know we're gonna have more upside.
[SPEAKER_00]: into this play.
[SPEAKER_00]: Okay, because we discovered them first, anyway, with again being booms on a ground, versus them being high level, they covering the old hearts, stocks, Moderna, Pfizer, you know, seeing Pepsi and Coke and
[SPEAKER_00]: you know, Union Pacific, that's the kind of stuff they talk about where we're coming in, telling them about Tesla.
[SPEAKER_00]: They hated Tesla.
[SPEAKER_00]: We telling them about Palantir.
[SPEAKER_00]: We may ambe used to be a penny stock.
[SPEAKER_00]: AMD used to be $4.
[SPEAKER_00]: We may ambe.
[SPEAKER_00]: And Lisa Sue, enough saying that's not popular.
[SPEAKER_00]: But if you're not in the game, you don't know this.
[SPEAKER_00]: And so Wall Street is a beneficiary
[SPEAKER_00]: the intel and the information we're providing to the system, even at a disadvantage, and even in a real way.
[SPEAKER_01]: Do you think it's fair to say that today and moving forward?
[SPEAKER_01]: It is no longer acceptable to be
[SPEAKER_02]: a naive investor who just puts a matching percentage in their 401k and maybe fills out a Roth with seven grand once a year or whatever and you just throw it in a couple indexes and you don't think about it or do you think today demands that we take a little more ownership of what we're doing and like part of our life just has to be once a month or once a week or
[SPEAKER_02]: spending some time with, say, your content, a couple other people's and digging in and thinking, I mean, I, I was listening to a show in a guy that I really, that I really respect, not not an investment guy, but a business guy, and he made a comment about a company who was doing psilocybin therapy in Canada, and at the time it was like,
[SPEAKER_02]: 96 cents.
[SPEAKER_02]: And he wasn't saying investment.
[SPEAKER_02]: He was just talking about the fact that he believed.
[SPEAKER_02]: He believed in the therapy that the therapy was helping particularly veterans with PTSD and those of PTSD in general, which I do believe as well.
[SPEAKER_02]: But
[SPEAKER_02]: You know, it throws us out there.
[SPEAKER_02]: So then I was intrigued.
[SPEAKER_02]: So I go in.
[SPEAKER_02]: I start digging in, reach, I find out, you know, really good CEO would then around the space for a very long time, like, seemingly good group.
[SPEAKER_02]: Some interesting investors who don't put their money in places that usually don't end up panning out in some regard.
[SPEAKER_02]: And I watched this thing go from $97 to $9.
[SPEAKER_02]: And it kind of then came back down and it's settled in five and it's now starting to grow.
[SPEAKER_02]: But like, you think about it, if I hadn't taken the, and this isn't about me guys, it's more like just the initiative to listen to something.
[SPEAKER_02]: And instead of just going like, oh, that's interesting, like actually spend, I might have spent a half hour that night instead of watching some stupid program on TV, just researching this company,
[SPEAKER_02]: I put a couple of thousand bucks into it and it turned into, you know, five figures in the matter of probably 13 or 14 months.
[SPEAKER_02]: And you're going, that's a nice little hit for a half hour, you know, one thing thinking about coming.
[SPEAKER_02]: So like,
[SPEAKER_02]: You know, should retail investors be spending this time and taking this ownership or can they get themselves in more trouble and they should really if you're if you're not going to invest a certain amount of time just just kind of dumb put it into put it into indexes forget that exists and go watch your life and although I love your story Brian and I love that analogy in that scenario man I still believe just putting your money in index or ETF.
[SPEAKER_00]: the way to go because it's enough people not even doing that.
[SPEAKER_00]: What you just alluded to is a little more sophisticated even though it's not, but it believes it or not, it is.
[SPEAKER_00]: People not even doing that.
[SPEAKER_00]: And so yes, I would just at the bare minimum, put your money into an index and or ETF.
[SPEAKER_00]: and at the very minimum diversity diversify into crypto Bitcoin and Ethereum in particular, because even for you to do what you did and get your feedback in that matter, you spent 30 minutes listening, but then you took action.
[SPEAKER_00]: And then you deployed a amount of money that you were comfortable setting it and forgetting it and letting see what it do over the next 13, 14 months.
[SPEAKER_00]: That's still a little too complicated for a lot of people.
[SPEAKER_00]: Where asked they can just put their money in an index and just let it let it do what it do.
[SPEAKER_00]: I would just do me a favor and at least do that.
[SPEAKER_00]: It's where I'm at with it.
[SPEAKER_02]: Yeah, I love that.
[SPEAKER_02]: And I completely agree.
[SPEAKER_02]: I think
[SPEAKER_02]: You know, that was my, I will call it big bets, you know, moonshots money.
[SPEAKER_02]: That was, you know, I mean, that's the percentage of my portfolio or I percentage of my portfolio that I was like, you know, this one's worth, you know, if it goes to zero, what I rather it didn't sure, but is it going to break the bank and not even close?
[SPEAKER_02]: And, you know, it also, I think sometimes, and guys, the beauty of, I think, and tell me if I'm wrong here, Chris, but like, I'm not a huge, I don't
[SPEAKER_02]: If Robinhood works for you great, but I feel like culturally Robinhood can get people in trouble because of the way it's talked about and you sometimes buddle.
[SPEAKER_02]: Even if you take some of these platforms, especially if you can buy fractional shares, even if you have like a hundred bucks and you can put it into something just as an experiment to watch what happened and how do you react to it?
[SPEAKER_02]: I mean, like,
[SPEAKER_02]: You know, I've taught myself over the years, if I do invest in an individual company, don't check that shit every time.
[SPEAKER_02]: I'm like, I'm driving crazy, right?
[SPEAKER_02]: Like, but, you know, have a timetable and whatever, but I think, like, how do you react to owning an individual stock?
[SPEAKER_02]: Like, when you see a five point drop in the stock, do you lose your mind?
[SPEAKER_02]: Do you get all tense and anxious and want to sell or can you ride out that wave?
[SPEAKER_02]: And like, it's almost like you have to practice this stuff, just like you would practice.
[SPEAKER_02]: shooting a jump shot or tackling someone or hitting a golf ball or whatever your sport of choice is.
[SPEAKER_02]: Like.
[SPEAKER_02]: It does feel like you have to practice this.
[SPEAKER_02]: And I feel like today, with some of the retail tools that are out there, it's not like the old days where if you didn't have 10 grain, you couldn't even open a brokerage account.
[SPEAKER_02]: You know, now with a hundred bucks, you could buy fractional shares of a company and just see what it's like to watch Tesla go up and down.
[SPEAKER_02]: I mean, Tesla's a great one.
[SPEAKER_02]: I mean, I love Tesla and my favorite,
[SPEAKER_02]: I mean, you were probably in it at this point too, but what was it like four years ago?
[SPEAKER_02]: They did that three for one, and it went up to like nine or bucks.
[SPEAKER_02]: Like, I remember watching that thing go up going, you know, you knew something was going to happen.
[SPEAKER_02]: It was just moving too fast and getting too big.
[SPEAKER_02]: You knew he was going to have to do a split or something.
[SPEAKER_02]: But.
[SPEAKER_02]: the whole time guys the whole time Wall Street would have told you don't get in it it's completely overblown and it's going to blow up and all it did was all it did was a three three for one that then reclaimed its original price in like in like 12 months but so how much
[SPEAKER_02]: How much do you have to believe in the company?
[SPEAKER_02]: Like, I guess, a motion knowing the standard retail investor.
[SPEAKER_02]: Like, for me, when I see Tesla have a major drop, I don't even think twice about it because I'm hook line and sinker on the long-term vision of where it's going, on the leadership and Elon Musk, on the mission, I believe in the economics.
[SPEAKER_02]: So,
[SPEAKER_02]: I have zero anxiety when it goes from 440 to 360 in a week that that like literally doesn't even phase me because I do dollar cost averaging in because I believe in it.
[SPEAKER_02]: But let's say it's a company that a biotech company that I have no connection to, no, you know, I just think it's a good bet, like, do I have to believe in it and how much does believing and understanding a company matter when you go into individual stocks?
[SPEAKER_00]: Or is it just fine good bets play something that comes down to belief in the company but more or less the leadership of the company and the balance sheet?
[SPEAKER_00]: So for example, Tesla is one of my favorite stocks.
[SPEAKER_00]: I did cast that particular run you're talking about.
[SPEAKER_00]: I did it two or three times actually.
[SPEAKER_00]: So Tesla has been good to me, but I like Elon Musk.
[SPEAKER_00]: And so whatever he's doing, I will bet on Elon Musk.
[SPEAKER_00]: What I challenge people to do is this, the world has moved past favorite teams to sports.
[SPEAKER_00]: We now love our favorite players.
[SPEAKER_00]: I would love for and challenge people to look at the stock market the same way.
[SPEAKER_00]: Find your favorite CEOs.
[SPEAKER_00]: Go look at your favorite CEO that has proven track records at other companies they have been at or the current company if they've been with them for substantial amount of time.
[SPEAKER_00]: So for example, I told you about Elon Musk, but I like Alex Carter as well.
[SPEAKER_00]: I also like Lisa Sue.
[SPEAKER_00]: like some stuff I'm just investing in because I'm investing in that person and I know they're going to get the job done.
[SPEAKER_00]: Does that make sense?
[SPEAKER_00]: And so just like LeBron for this current NBA is one of my favorite players.
[SPEAKER_00]: I don't care about the makers to Cleveland Cavaliers or to Miami heat.
[SPEAKER_00]: Wherever he at, I'm a fan of them for that time being because I'm a fan of him.
[SPEAKER_00]: Steph Curry, I'm a fan of Steph Curry.
[SPEAKER_00]: I'm a fan of KD.
[SPEAKER_00]: I don't care if he's on the rockets.
[SPEAKER_00]: I don't care if he's in Phoenix.
[SPEAKER_00]: I don't care if we could go in the state.
[SPEAKER_00]: Invest in good people that run good companies and you'll be okay.
[SPEAKER_00]: And then look the leadership change, then you have a decision to make.
[SPEAKER_00]: Do you still want to be a part of that asset that company that investment?
[SPEAKER_00]: And that's when you begin to make the decision.
[SPEAKER_00]: You also set up the two lines that I'm going to circle back to about learning yourself and how you handle loss and draw it out.
[SPEAKER_00]: it does take time.
[SPEAKER_00]: A person do have to figure out for themselves.
[SPEAKER_00]: One, the behavior of a stock.
[SPEAKER_00]: So, for example, Tesla will have $100 drops from 460 to 350 stuff like that.
[SPEAKER_00]: Can you stomach that?
[SPEAKER_00]: The first time it might blow your account up.
[SPEAKER_00]: The first time it might be hard for you to stomach.
[SPEAKER_00]: over time when you see that's just the nature of the stock.
[SPEAKER_00]: You start being like, Ryan, you start looking your child like, I can't wait for the next time.
[SPEAKER_00]: It dropped a hundred dollars.
[SPEAKER_00]: I got my cash ready and I'm a deployed.
[SPEAKER_00]: Okay.
[SPEAKER_00]: And now over time, this is where time in the seat matters.
[SPEAKER_00]: You start to learn the patterns and behaviors and the fluctuation of that particular asset that you're investing in.
[SPEAKER_00]: So it doesn't, it doesn't have
[SPEAKER_00]: trip you out as much.
[SPEAKER_00]: It doesn't steer you as much.
[SPEAKER_00]: You anticipate those moves because you understand it comes with the territory.
[SPEAKER_00]: So then you wait for that next move up in Tesla and then boom, now you've got to outsize returning your investment.
[SPEAKER_00]: This is what you could do across the board with quality companies that you know I can love, ran by leaders that you know I can love.
[SPEAKER_00]: That would be my worth of that.
[SPEAKER_00]: I'll be honest.
[SPEAKER_00]: I love that.
[SPEAKER_02]: I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've, I've,
[SPEAKER_02]: It's funny, I have, I have Palantir and Tesla are two of my biggest individual positions and it's because I love the leadership of both guns.
[SPEAKER_02]: I hadn't thought about it that way.
[SPEAKER_02]: I'm, this is hitting me real time as you're saying it, but like, that's a big part of why I like those two companies is because of the leadership.
[SPEAKER_02]: I liked the way they approach business.
[SPEAKER_02]: I liked their aggressive league on things and I had never thought about it.
[SPEAKER_02]: I love that.
[SPEAKER_02]: That's really interesting.
[SPEAKER_02]: That's a really interesting, and it does.
[SPEAKER_02]: It goes with, you know, I'm a big,
[SPEAKER_02]: I've really come to love Jalen Bronson way he plays the game love love them and love them I love them and Dallas and now I love him.
[SPEAKER_00]: Bronson in New York.
[SPEAKER_02]: Yeah, yes, and I was it's funny like not a Dallas fan in general
[SPEAKER_02]: Since Jordan left the league, which has been a long time, I've never really followed a team in the NBA.
[SPEAKER_02]: I love college basketball, but I didn't really follow a team and as I've been watching Brunson, I was watching in the Mazz and started really liking when he came to Nick's being, I'm an Albany New York, I'm two and a half hours from where you're sitting.
[SPEAKER_02]: Um, you know, I start to become more of a nicks van, but because I love the way Brunson runs that team, especially now that he's putting on double digit dimes every game.
[SPEAKER_02]: Like, it's a whole different player.
[SPEAKER_02]: I love it.
[SPEAKER_02]: That's a different conversation for a different day.
[SPEAKER_02]: But I love this idea of investing in in the leaders.
[SPEAKER_02]: I want to pivot our conversation here as we close up.
[SPEAKER_02]: You're sitting in time square.
[SPEAKER_02]: You're looking at your window.
[SPEAKER_02]: Your picture has plastered everywhere because of the work you've done as an educator, as a creator, as a community builder.
[SPEAKER_02]: I would like to spend just the last, you know, five or ten minutes that we have together and talk about, I want, like, you're over a million followers, you know, it's 1.1 something million followers on YouTube, people that connect and watch your shows and it comes through in your audience.
[SPEAKER_02]: When you look at the view counts and the common counts, you can tell you of this very robust, very dynamic, very committed community.
[SPEAKER_02]: How do you build that?
[SPEAKER_02]: But there are so many people that have a thing they'd like to talk about or like to be known for or like to educate on.
[SPEAKER_02]: And they just get stuck in their voice never cracks the consciousness and just they find themselves.
[SPEAKER_02]: And there's so many, I come across this a lot in people who are like, I started a YouTube channel, but no one watched.
[SPEAKER_02]: I felt like I was doing okay for a while and then I gave up.
[SPEAKER_02]: How did you persevere through and again, to, to, to, to broad stroke, generating a million plus community in ten minutes is impossible.
[SPEAKER_02]: But at its core, like, how did you go about building such an invested in dynamic community from an engagement person?
[SPEAKER_00]: For me, Ryan has started with trust and transparency.
[SPEAKER_00]: That was the hallmark and the foundation of how I built my empire.
[SPEAKER_00]: Those were a building blocks.
[SPEAKER_00]: The trust part was showing up every day.
[SPEAKER_00]: I told you our post seven days a week when I'm not traveling and doing stuff awesome stuff like this with you.
[SPEAKER_00]: But trusting, building that, showing up every day, showing them that what the market is up or down, I'm not ducking no smoke.
[SPEAKER_00]: I'm here, I'm covering it, the lens and the losses.
[SPEAKER_00]: The other piece was transparency.
[SPEAKER_00]: I am a guy that openly talks about,
[SPEAKER_00]: the good and the bad of things, of my life, of my money, the ebs and flows, the highs and lows.
[SPEAKER_00]: And so when people can see, not only like, man, this guy is an honest,
[SPEAKER_00]: Jane went person.
[SPEAKER_00]: He has a good spirit.
[SPEAKER_00]: He takes his time with us.
[SPEAKER_00]: Like you said at the beginning of this show, I don't talk down to people.
[SPEAKER_00]: I'm not condescending.
[SPEAKER_00]: I'm going to speak in an uplifting manner.
[SPEAKER_00]: I'm going to love on you.
[SPEAKER_00]: I'm going to encourage you.
[SPEAKER_00]: I'm going to affirm you.
[SPEAKER_00]: When you get that seven days a week and you might not be getting at it, you're your job.
[SPEAKER_00]: You might not be getting at it home.
[SPEAKER_00]: You start to look at somebody like, wow, he retired when you started you five.
[SPEAKER_00]: He's a more-time millionaire on YouTube, he's a more-time millionaire on Patreon, he's a more-time millionaire than all this other streams that income.
[SPEAKER_00]: This guy comes from nothing but show a motto that all of us can mimic and emulate on how it's done.
[SPEAKER_00]: I think when people see me later, ability, it shows them that man, this is really tangible.
[SPEAKER_00]: That's a brother that even if I don't reach his full height, with I believe everybody can surpass what I've done.
[SPEAKER_00]: But even if I just come halfway to what he've done, I'm still doing better than 99% of every day.
[SPEAKER_00]: And so I think those traits, dynamics and characteristics are the things that we call the building blocks of how that came to be.
[SPEAKER_00]: I think that,
[SPEAKER_00]: with all that being a Sarah Ryan, I think that you can't fake energy.
[SPEAKER_00]: We have a saying and then they were going to quote the real recognized real.
[SPEAKER_00]: When it really shows up, you're going to know like Chris is one of those.
[SPEAKER_00]: It's a whole bunch of people that might get more attention in him, that might get the line by over him.
[SPEAKER_00]: but there's something different about him that's different from the rest.
[SPEAKER_00]: And I always tell people, you fill it.
[SPEAKER_00]: It's something, if you would have met me, if we were to did this interview in person, you would have been like, you to charge your wife or your family through it.
[SPEAKER_00]: I met the coolest dude today.
[SPEAKER_00]: It was something about him.
[SPEAKER_00]: that one, one, his presence came into my studio and everybody say it, everybody's filled it.
[SPEAKER_00]: And even I do these meetups all over the country, New York being one right now, because they see it too, like, oh, code, we'd love you online, but we'd love you even more when we see you in real life, because Ryan, I apply myself on being accessible and relatable.
[SPEAKER_00]: And I think that go a long way with people on this day and age.
[SPEAKER_02]: I love that, and I couldn't agree more.
[SPEAKER_02]: Like, there's something different and unique about you, but not because, and tell me if you think I'm wrong here, but not because like, you were given this blessing by God that you were, you know, meant to be this thing, but you found seemingly, this is my interpretation, is that you found your version.
[SPEAKER_02]: of what authentic transparent except like what that meant for you, like specific to you, not like you were given some gift that I don't have or someone else doesn't have.
[SPEAKER_02]: It's that you were seemingly worked for and we're willing to
[SPEAKER_02]: we're willing to accept the unique authentic nature, right?
[SPEAKER_02]: Like you said at the beginning, like you're not a flashy dude.
[SPEAKER_02]: There are other people who may be in your position that would wear crazy shirts or they would have, you know, they'd be flashing their bling on screen, like I did not this one guy on this show one time dude.
[SPEAKER_02]: I just got tired of this.
[SPEAKER_02]: He was a good guy.
[SPEAKER_02]: And I mean, no ill will and I'm not gonna say his name because it's a great interview like done.
[SPEAKER_02]: So the audio is great, but like, yeah, this really baller Rolex on, probably my guess you had some times.
[SPEAKER_02]: That's probably 65,000 $1,000 watch on his wrist.
[SPEAKER_02]: And dude, I'm not kidding you, like everyone's in a while.
[SPEAKER_02]: I'd see his hand like come on, yeah.
[SPEAKER_02]: He's like showing off the watch and look like,
[SPEAKER_02]: god bless you if like that's your thing that's your thing right like he was into watches to cool but like i just thought it was funny you know this guy had uh that's his thing you want to show off this watch yet that was part of his style like i think it's cool that that and and part of why people relate to you like you could be that guy too if that's who you were but it's not who you are you're this version of you you like cool hats you like hats you love right you got your style like
[SPEAKER_02]: has been and I know this even myself, the times when I felt the most disconnected from my audience and my content or when I'm trying to be something that I'm not, you know, and I've had people always want to give you advice, right?
[SPEAKER_02]: They always want to be like, hey man, like, this part of your show, if you like tweet this or you did that or, you know, you need to put, people always tell me, you need to put segments in your show, you need to put segments in your show and I'm like, okay, like, I get that and I get for some people, segments are really cool and I understand the thought process
[SPEAKER_02]: I don't want to have to stop my guess flow because all of a sudden we got to do a segment.
[SPEAKER_02]: Like, I, you know, I mean, like I see my job as, you know, this isn't like a 30 minute show on a television network.
[SPEAKER_02]: Like I see my job as taking this person who I have brought onto the show to share with my community and saying, hey, like, where does Chris want to go today?
[SPEAKER_02]: like what what like I'm watching your facial expressions watching your mannerisms and saying what things is he jacked up about today and then let's press into that if I if I see that you're like super dialed on something and then all of a sudden we'll hold on Chris we got to do our you know our segment on you know five things that you know what if I books you read right like you're gonna hell is wrong with this guy yeah that's my that's my take right like that's the way out of my show so I think it's it is so much not
[SPEAKER_02]: Like, what I don't want people to hear is, and I'll wrap up because I know I'm supposed to be interviewing you, but it is my show so I can do what I want.
[SPEAKER_02]: You know what I, what I think people get lost in like, well, Jesus Christ is just, he was given this God-given ability to take these complex things and turn them into easy, understand stuff.
[SPEAKER_02]: I can't do that.
[SPEAKER_02]: It's like, well, that's Christ's thing.
[SPEAKER_02]: That doesn't have to be your thing.
[SPEAKER_02]: Like, if you love the nerdy, deep, you know, seven syllable words,
[SPEAKER_02]: become the nerdy deep seven syllable.
[SPEAKER_02]: We're in God.
[SPEAKER_02]: Wow.
[SPEAKER_02]: You're like, there's so much room for people out there.
[SPEAKER_02]: And then man, when I find someone who seemingly has found their voice so naturally as you, I just it inspires me.
[SPEAKER_02]: Like, I get all jacked up, um, you know, and I love it, man.
[SPEAKER_02]: I'm so happy that you did for you personally.
[SPEAKER_02]: And I'm also so happy for your community that
[SPEAKER_02]: I mean, think about that.
[SPEAKER_02]: If you aren't able to find your voice, dedicate to sharing your message and need so consistent, how many people are still making bad financial decisions?
[SPEAKER_02]: Think about the impact.
[SPEAKER_02]: If you don't find your voice, if you try to be corporate, suit guy, Wall Street guy, with like a ticker behind you on your show and people don't relate to it.
[SPEAKER_02]: There's tens, hundreds of thousands of people that are still making bad financial decisions.
[SPEAKER_02]: And I think that's the beauty of this content game.
[SPEAKER_02]: And why I just love it so much is because, man, when you see someone get dialed like you are, bro, you're just helping people.
[SPEAKER_00]: And I appreciate it, Ryan.
[SPEAKER_00]: You said it well.
[SPEAKER_00]: You said it in a way I didn't look at it, man.
[SPEAKER_00]: But it does.
[SPEAKER_00]: When you, you noticed,
[SPEAKER_00]: when you're walking in your purpose, what they say, when you love what you do, you never work a day in your life.
[SPEAKER_00]: And for me, that's what it feels like work.
[SPEAKER_00]: It just feels like it's part of my calling.
[SPEAKER_00]: Part of what I was doing anyway.
[SPEAKER_00]: I did all of this to do this for athletes.
[SPEAKER_00]: I worked at Notre Dame.
[SPEAKER_00]: I was going to work for the Detroit line that the director of Saturday Development.
[SPEAKER_00]: I did was getting the all groomed up.
[SPEAKER_00]: Life has a way, and God has a way of,
[SPEAKER_00]: of turning you towards what he wants you to do.
[SPEAKER_00]: And as opposed to doing it for the Lions, he just helped me create and curate my own empire.
[SPEAKER_00]: And I still got all the athletes.
[SPEAKER_00]: I got the Chuck Drivers though now.
[SPEAKER_00]: I got the traveling nurses.
[SPEAKER_00]: I got the engineers at AWS and in India, and all kind of people inside my patron shop from the United States.
[SPEAKER_00]: all the big companies that Max Evans in the world, they all in here, come Chris, I'm an engineer.
[SPEAKER_00]: I make all this money, but I don't know how to have this, but I watch you every day.
[SPEAKER_00]: And so I've been able to now reach all of these people that I thought was gonna be through scores.
[SPEAKER_00]: But now I've been able to do it through this vehicle, and it just feels right, Ryan, it feels authentic.
[SPEAKER_00]: I don't have to be somebody I'm not like you say, man, I get overlooked.
[SPEAKER_00]: when I'm in places bro, because I'm not flashy, like I'll be so I'll be somewhere and people don't even know who they're sitting next to.
[SPEAKER_00]: And I'm not gonna say nothing.
[SPEAKER_00]: If you don't know who you don't know, but on the same to because my audience is so big, when I'm, if you're part of the community,
[SPEAKER_00]: I walked to the airport, I walked the time square, I walked through here there, and so it's a dichotomy that she's sneaking of itself.
[SPEAKER_00]: I can be somewhere where it's not my tribe, and I'm overloved.
[SPEAKER_00]: And it's okay.
[SPEAKER_00]: And it's okay because God has called me to reach the long car to reach, and I'm perfectly okay with that.
[SPEAKER_00]: And so Ryan, I'm not thank you for how you pointed that out.
[SPEAKER_00]: I didn't even look at it from that lens, but you right, without me stepping up and to ask the call on my life, there would have been a whole host of people that didn't get turned on to the stock market.
[SPEAKER_00]: it was still making bad financial decision or at least not having a trusted voice they can turn to for guys.
[SPEAKER_00]: So I thank you for that.
[SPEAKER_02]: I love it.
[SPEAKER_02]: My friend, they're going to be a lot of people in my audience that want to go deeper into your world if they're not all right.
[SPEAKER_00]: I would say we want the best ways.
[SPEAKER_00]: It's always go the three route, which is you too.
[SPEAKER_00]: I'm gonna show it for you guys every day.
[SPEAKER_00]: I'm gonna show it for myself and teach you the game.
[SPEAKER_00]: I'm not a hype guy.
[SPEAKER_00]: I'm a teacher.
[SPEAKER_00]: I am a exes and old guy.
[SPEAKER_00]: I'm an athlete, so we talk sports.
[SPEAKER_00]: So everything will be in the sports term.
[SPEAKER_00]: But if you want to go to the next level, that's when you join the page you're not.
[SPEAKER_00]: That's where you access to the whole system of services, of the whole school, of the whole learning community.
[SPEAKER_00]: And then we have one-on-one culture beyond that.
[SPEAKER_00]: And then we are primed and we're adamant on touching and seeing you and real life.
[SPEAKER_00]: So we always have congregating moments or ways we mobilize and galvanize together.
[SPEAKER_00]: In your city, your town, your state, because we believe in in person, communication, in person, fellowship, even though it's about money.
[SPEAKER_00]: And even though it's about learning and teaching technical analysis, it's something about that dynamic of me and personally.
[SPEAKER_00]: And so that is the last piece of it that we make.
[SPEAKER_00]: the whole thing coming together.
[SPEAKER_00]: So that will how we, you two, and then Patreon, we're just patient on a crusade.
[SPEAKER_00]: Everything is my name, first and last thing.
[SPEAKER_02]: Guys, and I'll have the links.
[SPEAKER_02]: Whether you're watching on YouTube or listening wherever you do, just scroll down.
[SPEAKER_02]: I'll have the links in that show notes in the description.
[SPEAKER_02]: Chris, I know you got a big day today.
[SPEAKER_02]: I know you're in New York City.
[SPEAKER_02]: Your face is up all over time, square.
[SPEAKER_02]: You got meetups.
[SPEAKER_02]: You got people to see.
[SPEAKER_02]: I appreciate you carving out this time.
[SPEAKER_02]: I appreciate you.
[SPEAKER_02]: And just keep doing.
[SPEAKER_00]: I appreciate you.
[SPEAKER_00]: Thanks for having me, buddy.