Episode 251

full
Published on:

15th Oct 2024

Kobe, Cash Flow, & Chasing Dreams: A Laid-Back Financial Chat

The hosts take a hilarious trip down memory lane, reminiscing about the good old days of AIM (AOL Instant Messenger). They crack up over their embarrassingly bad usernames—ones that should probably never see the light of day again. You know that cringe-worthy online persona you thought was behind you? Turns out, it never really leaves! They dive into how their AIM alter-egos might still be haunting their present-day selves, proving once again that the internet never forgets. It’s a delightful mix of awkward nostalgia and a gentle reminder of how those early days of the internet shaped us all.

➡️ But it’s not all goofy usernames and AIM nostalgia. The conversation gets deeper (but still funny!) when they tackle how social media has made us all professional curators of our own lives. The hosts poke fun at the gap between the online versions of ourselves and the real deal, dropping truth bombs about authenticity and how everyone’s just trying to “fit in” online. And just when you think things couldn’t get more entertaining, they throw in some absurd ideas about modern marketing, suggesting brands take on the wild task of marketing to the homeless. It’s a genius blend of sharp social commentary and laugh-out-loud moments that’ll keep you thinking—and chuckling—long after the episode’s over.

💥 Have you left your "honest ⭐️⭐️⭐️⭐️⭐️" review?

👕 THS MERCH: http://www.thspod.com

🔗 Resources:

Rate cuts were supposed to push mortgage rates lower. The opposite has happened. (AOL)

US credit card interest rates hit 23.4% in August, a new record. (The Kobeissi Letter via X)

⚠️ Disclaimer: Please note that the content shared on this show is solely for entertainment purposes and should not be considered legal or investment advice or attributed to any company. The views and opinions expressed are personal and not reflective of any entity. We do not guarantee the accuracy or completeness of the information provided, and listeners are urged to seek professional advice before making any legal or financial decisions. By listening to The Higher Standard podcast you agree to these terms, and the show, its hosts and employees are not liable for any consequences arising from your use of the content.

Transcript
Speaker A:

Yeah, you were on the aim, bro.

Speaker B:

Bro, I did not give you.

Speaker B:

I was not like, a good looking kid.

Speaker A:

I love the aim, bro.

Speaker A:

Coming home.

Speaker A:

Turn on.

Speaker B:

What was your username on aim?

Speaker A:

So bad.

Speaker A:

Like, unbelievably bad.

Speaker A:

I'll tell you mine if you tell me yours.

Speaker B:

I tell you mine.

Speaker B:

Mine's not great either.

Speaker A:

Okay.

Speaker A:

Mine's really bad.

Speaker B:

Okay.

Speaker B:

What do you got?

Speaker A:

The number one baller in town.

Speaker B:

That was your aim name?

Speaker B:

That's a long name.

Speaker A:

I know.

Speaker A:

It stands out, though, you know?

Speaker A:

Cause it comes out long.

Speaker A:

It's easy to track and find.

Speaker B:

So did you tell everybody where strategic, bro.

Speaker B:

Afterward, or did you win number one.

Speaker A:

Baller in the village?

Speaker B:

Mine was Shetunak, which is parsi for, like, kind of like, devil.

Speaker A:

Yeah, yeah.

Speaker B:

Little devilish.

Speaker A:

Devilish.

Speaker A:

Oh, you play.

Speaker A:

You went the naughty play.

Speaker A:

Look at you.

Speaker B:

It wasn't naughty.

Speaker A:

Looking back on it, you're a sick bastard, bro.

Speaker B:

I'm a sick bastard?

Speaker B:

But you're the number one baller in town.

Speaker A:

I'm the number one ballot.

Speaker B:

There's lots of ways to read that connotation.

Speaker B:

Arun, what was yours?

Speaker C:

Oh, God, how many did I have?

Speaker A:

Yeah.

Speaker A:

It's so many.

Speaker A:

I just know.

Speaker A:

I just know.

Speaker A:

For Baron.

Speaker C:

Yeah, Baron.

Speaker C:

BSM.

Speaker C:

20.

Speaker A:

BSM.

Speaker B:

Okay, there's so many questions.

Speaker B:

What does that even mean?

Speaker C:

Baron was my mascot in high school.

Speaker C:

Fountain Valley barons.

Speaker A:

Okay, so you.

Speaker A:

He was repping the mascot, bro you adopted, showing pride for the school.

Speaker A:

What's wrong with you?

Speaker B:

Who does that?

Speaker A:

Yeah, this guy.

Speaker C:

I used to go by Aaron in high school because it was difficult for white people to say haroon.

Speaker A:

Oh, so Aaron the baron, mark down.

Speaker B:

The time so we can bleep out your racist commentary.

Speaker A:

What do you say?

Speaker C:

White people can't say haroun.

Speaker B:

I don't think you can say white.

Speaker B:

You have to say caucasian.

Speaker A:

You could say white.

Speaker A:

Come on, man.

Speaker C:

American.

Speaker A:

You do this, too.

Speaker A:

I personally take issue with that.

Speaker A:

Like, when people call all black people, like, African Americans.

Speaker A:

Not all black people are African Americans.

Speaker B:

True.

Speaker B:

That's just understanding where countries are.

Speaker B:

You know what I mean?

Speaker A:

I know.

Speaker A:

So it's like, you should be able to say white, black, brown.

Speaker B:

I mean, because you don't understand the geography here.

Speaker B:

It doesn't make me a bad person.

Speaker B:

Right.

Speaker B:

There's so much going on.

Speaker B:

By the way, last episode, I did bleep out.

Speaker B:

I did cut out that comment.

Speaker B:

If you're listening to the show going, what did they say?

Speaker B:

You'll never know.

Speaker A:

So now I have one and you have one.

Speaker B:

Yeah.

Speaker B:

Technical foul on Chris.

Speaker A:

There you go.

Speaker B:

Welcome back to the number one financial literacy podcast in the world.

Speaker B:

Sitting next to me, the one and only, my partner in time site, Omar.

Speaker A:

Thank you, my man.

Speaker A:

Sitting next to me on my left, my partner in crime, Chris Nahibi.

Speaker A:

Welcome back to the show.

Speaker B:

Behind the ones and twos, the man who has not been on PTO as of late, DJ Arun.

Speaker C:

Hello, everyone.

Speaker C:

I will be on PTO at the end of the month, though.

Speaker B:

Oh, why do you always tell us with a hot mic?

Speaker A:

I love it when it gets dropped on the hot mic.

Speaker B:

He always isn't on a hot mic.

Speaker A:

Nothing is better.

Speaker C:

Where are you going?

Speaker A:

I didn't even know this.

Speaker A:

This is news to me, too.

Speaker C:

23Rd.

Speaker C:

I will not be here.

Speaker B:

Where are you going on 23rd?

Speaker C:

San Francisco.

Speaker C:

There's a conference for work that I need to go attend for a whole week, so.

Speaker B:

A whole week conference?

Speaker C:

Yep.

Speaker A:

I mean, you're not gonna go up there for a day, right?

Speaker A:

Like, you gotta.

Speaker A:

He's got to go into the office.

Speaker A:

I mean, the office.

Speaker A:

The headquarters are up there.

Speaker B:

What do you do at a full week long conference?

Speaker C:

That's terrible.

Speaker C:

They're bringing the whole marketing team from across the state.

Speaker B:

You guys gonna get around like a.

Speaker A:

Table in mastermind and you're gonna do, like, marketing stuff.

Speaker B:

Here's what we're gonna do.

Speaker B:

Okay?

Speaker B:

We're gonna do better marketing.

Speaker A:

How do we do that?

Speaker A:

What's the game plan?

Speaker B:

Let's go guerrilla.

Speaker A:

I like that.

Speaker B:

Yeah.

Speaker A:

So what's the idea?

Speaker A:

What?

Speaker A:

Gorilla marketing.

Speaker B:

I think what we do is we pay homeless people around the city pee our brand.

Speaker A:

We take care of the teeth of all the homeless people.

Speaker B:

Right?

Speaker A:

And we'll be like, this is from.

Speaker B:

Let's give all the homeless people jackets with our brand in the back.

Speaker A:

Yeah, yeah, yeah, yeah.

Speaker C:

Blankets.

Speaker C:

They all get blankets.

Speaker A:

Honestly.

Speaker A:

That's brilliant.

Speaker A:

I'm not gonna lie to you.

Speaker A:

That is brilliant, though.

Speaker A:

People gonna be like, wow, this company's so amazing.

Speaker B:

Population.

Speaker B:

Like, why does everybody have his dental office in the back?

Speaker A:

That you just.

Speaker A:

That's a million dollar idea right there.

Speaker B:

I know, right?

Speaker A:

Good job, man.

Speaker C:

Yeah, that jacket's gonna turn from a green jacket to a very dirty brown.

Speaker B:

Have you guys seen the Netflix documentary on the pee bottle guy?

Speaker B:

Pee baller, the pee bottle guy?

Speaker A:

No.

Speaker A:

No.

Speaker B:

There's a guy in LA who apparently has been peeing in these plastic bottles, labeling them pee and putting them on a mailbox in this community, but nobody ever sees him come or go, and nobody knows who's doing it.

Speaker A:

Always, like, banksy.

Speaker A:

Like, just secret.

Speaker B:

It's, like, basically the banksy of pee bottles, right?

Speaker B:

So these two documentary guys started filming it and, like, keeping cameras there, recording it, and they finally saw him, like, reach over the top of a fence, drop the pee bottle down, and then, like, then run off.

Speaker A:

This is, like home alone bad guys.

Speaker A:

The wet bandits, like, a terrible idea.

Speaker B:

They found out this guy is homeless.

Speaker B:

There's a whole.

Speaker B:

I don't want to spoil anything, but the hoods.

Speaker B:

A whole documentary dedicated to it.

Speaker B:

They did a urine analysis on it.

Speaker B:

Like, the whole thing.

Speaker A:

So did they catch this guy?

Speaker B:

You'll have to watch it.

Speaker A:

Okay.

Speaker A:

All right.

Speaker B:

It remains a mystery until then.

Speaker B:

See, I don't do spoiler alerts on the show.

Speaker A:

Yeah.

Speaker B:

I only do them off.

Speaker A:

I've been told.

Speaker A:

I've been told recently that I need to stop everything that I'm watching, and I need to tune into the Vince McMahon docuseries.

Speaker B:

I saw that.

Speaker B:

I have no desire to see that.

Speaker A:

Apparently.

Speaker A:

It's phenomenal.

Speaker B:

I feel like that.

Speaker B:

Did a rune tell you this?

Speaker A:

He's a WWE guy, so he didn't tell me, though.

Speaker A:

Somebody else said was, too.

Speaker A:

I was a huge WWE guy.

Speaker C:

to, like,:

Speaker A:

That was the greatest time.

Speaker A:

Yeah.

Speaker B:

I was 18 years old.

Speaker C:

Attitude error.

Speaker A:

So what?

Speaker C:

Yeah, you can go buy your tickets and go yourself.

Speaker A:

Yeah.

Speaker C:

Back then.

Speaker C:

Hey, daddy, can I go get my parents?

Speaker A:

My parents.

Speaker B:

I totally thought he was doing a diddy impersonation.

Speaker A:

And there's a real.

Speaker B:

I'm gonna do a whole show calling you guys daddy.

Speaker A:

Okay, daddy.

Speaker A:

Yeah.

Speaker A:

Why don't.

Speaker A:

I never understood the daddy thing.

Speaker B:

You get it now, I'm sure, right?

Speaker A:

No, like, hey, dad, like, I don't know.

Speaker A:

It's.

Speaker A:

God, it's so bad.

Speaker A:

It's so bad.

Speaker B:

There's only one way that ever.

Speaker B:

There's only one way that happens.

Speaker B:

Okay.

Speaker A:

Yeah.

Speaker B:

Yeah.

Speaker B:

So did you have an intro segment at all tonight, or are we going straight into my content?

Speaker A:

No, we're going straight into the content.

Speaker A:

Cause we're gonna break this down.

Speaker A:

And Odun's got.

Speaker A:

He's got some poppy culture.

Speaker A:

Poppy culture.

Speaker B:

Okay, well, I should probably preface this article with the most important take home, salient point here.

Speaker B:

And that's, we fucking told you so.

Speaker A:

Told you.

Speaker B:

Yeah.

Speaker B:

And I don't want to toot my own horn, so I'm gonna let sayed toot my horn.

Speaker B:

Okay, daddy.

Speaker B:

Got it.

Speaker A:

Dude.

Speaker B:

He did this in front of people on national television.

Speaker A:

Comfortably, too.

Speaker B:

Yeah.

Speaker A:

Like.

Speaker A:

Like, if you're calling people daddy on television.

Speaker A:

Like, what were you saying behind closed doors?

Speaker B:

I mean, it probably was something.

Speaker B:

Something daddy, now harder daddy.

Speaker B:

Right?

Speaker B:

I mean, it's.

Speaker B:

It's not good.

Speaker B:

It's just not good.

Speaker B:

So if you are an avid fan of the show or somebody who tuned in the last couple episodes, you probably know that we made some predictions that ran afoul of what the market was thinking as it relates to the mortgage interest rate environment.

Speaker A:

I mean, the Fed decided to cut 50 basis points, so everybody got excited.

Speaker A:

Mortgage rates.

Speaker B:

Mortgage rates are gonna drop.

Speaker A:

Oh my God.

Speaker A:

How's affordability is gonna.

Speaker A:

It's gonna get better.

Speaker C:

Yeah.

Speaker B:

We're gonna be able to buy more home on a lower rate because that's what all the realtors out there are saying is gonna happen.

Speaker A:

Oh, yeah, man.

Speaker B:

And we're like, yeah, I don't think so.

Speaker B:

We have this thing called the yield curve inversion.

Speaker B:

We were coming out of it and I kept telling everybody that the mortgage rates typically track the ten year treasuries, the bond market, and they'll most closely follow the ten year and the ten years.

Speaker B:

Gotta get out of the inversion a couple different ways.

Speaker B:

And one of them is the bottom could drop out of the lower end of the curve, the three month of the two year treasuries.

Speaker A:

Yeah.

Speaker B:

Or the ten year treasury could rise.

Speaker B:

Or they could both rise and the tenure could rise more, which is probably the most likely scenario.

Speaker A:

Right.

Speaker A:

Because there's a big misconception, right?

Speaker A:

So a majority of people out there that aren't too familiar with the spaces, when they start to hear commentary of the Fed's gonna cut rates, they think, oh, if the fed's cutting rates, then rates for everything across the board are gonna come down.

Speaker B:

Yeah.

Speaker A:

No, except just like Chris said, mortgage rates tend to follow the ten year treasury yield.

Speaker A:

Right.

Speaker A:

Closely tied to that.

Speaker B:

So.

Speaker B:

And look, I get it.

Speaker B:

People say, ooh, bond market people are like, oh my God.

Speaker B:

Scary, intimidating bonds.

Speaker B:

Ooh, yeah, yeah.

Speaker A:

I don't understand it.

Speaker A:

I don't want to know.

Speaker A:

Yeah.

Speaker B:

So let me simplify the whole thing.

Speaker B:

So to make it really easy, okay?

Speaker B:

Bonds are basically guaranteed debt by the government.

Speaker B:

Generally speaking, if people feel really, really comfortable with the long term, your ten years are going to give you a good return, because over ten years of investment, you're going to get a good return.

Speaker B:

Because if you make an investment for ten years, it should pay you something good.

Speaker B:

If anything, it should pay you something better than an investment for two years.

Speaker A:

Right.

Speaker B:

The longer you're in something, the more it should return.

Speaker B:

Otherwise there's no real incentive to investing long term.

Speaker A:

Right.

Speaker B:

Believe it or not, that actually breaks down the bond market to its very core.

Speaker B:

Like essence.

Speaker B:

Right.

Speaker B:

Okay, Daddy.

Speaker A:

Yeah.

Speaker B:

I like all episode long.

Speaker A:

Call me Daddy.

Speaker B:

Maybe we call him Daddy podcast.

Speaker A:

The call him Daddy podcast that's right there for us to take.

Speaker B:

I mean, we could sell it to Spotify for 50 million, not 100.

Speaker B:

It's a discount, right?

Speaker A:

Yeah.

Speaker A:

I mean, how much of it?

Speaker A:

I mean, we're kind of like taking away the likeness a little bit and.

Speaker B:

Then we have a whole gender to quality, like just like lawsuit.

Speaker A:

Yeah.

Speaker B:

You know you can't pay her more.

Speaker A:

Yeah.

Speaker B:

Cause we're dudes.

Speaker A:

Call him Diddy.

Speaker A:

No, kid do that.

Speaker B:

Call him Diddy podcast.

Speaker B:

Yeah, it doesn't make sense.

Speaker A:

Yeah.

Speaker A:

Or hash.

Speaker A:

No, Diddy.

Speaker B:

Probably some, he probably owns a copyrighted Diddy.

Speaker B:

I'm imagining.

Speaker B:

Yeah, I'm assuming.

Speaker B:

Can you imagine if his lawyer sue somebody for copyright infringement?

Speaker B:

So I posted a short today, which I played part of Diddy's like bad Boyd.

Speaker A:

Yeah, yeah, it was real short.

Speaker B:

It was less than 10 seconds.

Speaker B:

Yeah, I did it on purpose.

Speaker B:

Cause I was trying to get around the algorithm flagging it.

Speaker B:

Yeah, algorithm didn't flag it.

Speaker A:

Yeah.

Speaker A:

Well, the music portion was even shorter than that.

Speaker A:

It was like less than 3 seconds.

Speaker B:

No, it was closer to ten.

Speaker B:

Cause the whole clip was 20 seconds and I played it for about half.

Speaker A:

Really?

Speaker B:

Yeah, I played it just when he started speaking, then cut it off so that it wouldn't trick the algorithm.

Speaker B:

At least I hope it wouldn't.

Speaker B:

It didn't.

Speaker A:

Nice.

Speaker B:

So yeah, basically we're over here committing copyright infringement.

Speaker B:

It's pretty much long short of it.

Speaker B:

So the bond market essentially boiled down to its core essence is simply as I stated.

Speaker B:

Right.

Speaker B:

If you have more confidence in the long term, youre going to get better return over the long term.

Speaker B:

If you have less confidence in the near term, youre going to get worse return in the near term.

Speaker B:

But overall, the longer your moneys in, any investment should return more money.

Speaker B:

So typically speaking, if youve got a three year bond or a five year bond, the five should pay you more than three, youve got a ten year, ten years pay you more than the five.

Speaker B:

Thats usually it works, right.

Speaker B:

You have three month, two year, five year, seven year, ten year, all the way up.

Speaker B:

They should all pay you incrementally more because your money is tied up for longer.

Speaker A:

Right.

Speaker A:

And if, I mean for the greater portion of the last, I don't even know how many years we had an inverted yield, right.

Speaker A:

So the two year treasury was higher than the ten year treasury, meaning there was significantly more, I guess, hesitation or doubt with the market uncertainty, uncertainty in the short term, what's, what's to come in the next two years?

Speaker A:

Hence rates were higher.

Speaker A:

Right.

Speaker A:

So.

Speaker A:

And less in the tenure.

Speaker A:

Now it's come out of that inversion making people feel a little bit more comfortable with the short term because they can expect what's to come versus the tenure.

Speaker B:

So what happened was, is that the rate cuts were coming.

Speaker B:

And the rhetoric on social media everywhere, every real estate guru, all the guru is my favorite, were like, hey, man, this is fantastic.

Speaker B:

The economy is going to, they're going to cut rates.

Speaker B:

Mortgage rates are going to drop.

Speaker B:

It's going to be, it's going to be a run.

Speaker B:

It's going to be fantastic.

Speaker B:

What happened during this time?

Speaker B:

Well, in the course of just a couple of months, we went from $1.14 trillion of credit card debt to over $1.36 trillion of credit card debt.

Speaker B:

When you think about the context of how many trillions that grew in such a narrow window of time, there is a clear disconnect between what Jerome Powell is saying with american savings and what we're seeing in the credit card spending.

Speaker B:

Because you recall from the last show, episode 250, Jerome Powell was literally saying, oh, you know what, man?

Speaker B:

They're able to save more because inflation's down, the consumers are having less wage disparity issues.

Speaker B:

They can make more.

Speaker B:

None of that appears to be true if you're looking at credit card spending and balances as a proxy for the macro problem.

Speaker B:

So people were hoping that the mortgage market would soften up a little bit and that things would improve.

Speaker B:

Well, we said very clearly that we did not think that was going to happen, that we thought mortgage rates were going to stay where they were.

Speaker B:

Matter of fact, uh, Adam from mind pump and I were having a conversation, and he locked in a sub 6% mortgage rate on a property that he was looking at.

Speaker A:

Yeah.

Speaker B:

And he was questioning whether he should wait for the benefit of rate cuts.

Speaker B:

And I was like, no, don't wait.

Speaker B:

This is about as good as it's going to get, chief.

Speaker A:

Yeah.

Speaker B:

And I'm happy he listened and he did lock it in.

Speaker B:

And now this article originally, uh, unfortunate, I think Arun pulled it up on AOL here.

Speaker B:

But, um, I'm going to read some quotes here that I think are important from the article, because if I toot my own horn, you know, it sounds self serving.

Speaker A:

Okay.

Speaker B:

If another article toots my horn for me, you know?

Speaker A:

Yeah.

Speaker B:

You know what I mean?

Speaker A:

It solidifies.

Speaker A:

Yeah, yeah.

Speaker B:

You got it?

Speaker A:

I got it.

Speaker A:

All right.

Speaker B:

Okay.

Speaker B:

This from fortune vis a vis Aol.

Speaker B:

If you're looking on the video podcast, the Federal Reserve's jumbo interest rate cut in mid September.

Speaker B:

Jumbo because it was more than 25 basis points.

Speaker B:

It was 50 basis points was welcome news to prospective homebuyers with the expectation that a lower federal funds rate would help push mortgage rates lower.

Speaker B:

Instead, the opposite has happened.

Speaker B:

Oh, you don't say.

Speaker B:

I wonder who may have called that.

Speaker B:

Know anybody?

Speaker A:

I don't know.

Speaker A:

I think so.

Speaker B:

I feel like we're being a little arrogant tonight.

Speaker A:

That's okay.

Speaker A:

I like it.

Speaker B:

Okay.

Speaker B:

Well, since fed chair Jerome Powell lowered interest rates by 50 basis points on September 18, the average 30 year fixed mortgage rate has moved higher, not lower.

Speaker B:

According to data from Mortgage News daily, the average 30 year fixed mortgage rate has jumped about 47 basis points since the Fed rate cut to 6.62% from 6.15% on average.

Speaker B:

Just to be clear, essentially what happened is they cut fed funds by 50 basis points, but mortgage rates went up, not down by 50 basis points.

Speaker A:

Wild.

Speaker B:

Yeah, wildenhouse, but completely predictable.

Speaker B:

And this is a good point in time to pause and say, this is where economists get so far up their own sector's anus that they can't see the forest through the trees.

Speaker A:

Like the real estate guys.

Speaker B:

A lot of the real estate economists.

Speaker B:

Logan, a great one, right?

Speaker B:

From housing wire.

Speaker B:

I love Logan.

Speaker B:

Great guy, smart.

Speaker B:

I mean, love, I mean, he's got great hair, and his wasn't purchased like mine was.

Speaker A:

Natural.

Speaker B:

Yeah, but even bark Sandy over at Moody's was calling for mortgage rates to drop a little bit.

Speaker B:

A lot of brilliant people were saying this was going to happen.

Speaker B:

And I'm like, how do you see this is such a fundamentally simple thing with the yield curve inversion?

Speaker B:

I mean, if you look back, yield curve inversions typically pre seed recessionary economies.

Speaker B:

Yeah, great.

Speaker B:

But if you skip all that nonsense and you say, okay, look, you're in an inflationary environment where things are costing you more money, right?

Speaker B:

If you lower inflation, right, near term, meaning improving everybody's feelings on things, they feel more comfortable investing in the long term, right, because they're not so worried about what am I going to do tomorrow to pay bills.

Speaker B:

They're worried about how am I going to make more money for next month, next year.

Speaker A:

Yes.

Speaker B:

It's just a simple shift in focus and priorities.

Speaker B:

It's just behavioral economics playing out.

Speaker B:

And nobody called it.

Speaker B:

Except for us.

Speaker B:

You know what I mean, daddy?

Speaker A:

Yeah, yeah, yeah.

Speaker B:

All show long.

Speaker A:

Let's go, baby.

Speaker B:

So, yeah, this was completely predictable, and yet the market got it really wrong.

Speaker B:

And I'll never forget, you know, I've had.

Speaker B:

I've been.

Speaker B:

I've appeared on multiple podcasts before in the past, and now I'm getting a lot more selective on who's I'll show up to.

Speaker B:

Because when you.

Speaker B:

When you see some of these people speaking on podcasts, unless you're a subject matter expert or you're in the business or you see it for what it is, generally a giant commercial, unlike our show, where we try to provide value.

Speaker A:

Right.

Speaker B:

These guys are generally full of shit.

Speaker B:

And I was watching a podcast with pace Morby saying stuff that was wildly inaccurate, just completely misrepresenting things and doing it with this arrogant bravado, which people go, well, he's so arrogant and confident about it.

Speaker B:

He must be right.

Speaker A:

Yeah.

Speaker A:

You missed somebody talking about.

Speaker B:

No, I saw Ryan Pineda do this year after year after year.

Speaker B:

I've seen Dave Ramsey do it year after year after year.

Speaker A:

Right.

Speaker A:

And you got to take into account.

Speaker B:

Right.

Speaker A:

We've always talked about on the show, you want to at least get some.

Speaker A:

Some of your information or, you know, count people as a trusted source if they've been through multi.

Speaker A:

Least a cycle or two.

Speaker A:

Right.

Speaker B:

Yeah.

Speaker B:

But keep in mind, too, all these people have something to sell you.

Speaker B:

And I get it.

Speaker B:

If someone's selling you merch or saying, hey, support us by supporting people who sponsor the show, that's different to me, if someone's saying, hey, look, I can help you make a lot of money if you buy my course.

Speaker B:

Okay.

Speaker B:

That's.

Speaker B:

That's a convenient narrative.

Speaker A:

Yeah.

Speaker B:

No one's gonna be like, hey, man, I got a.

Speaker B:

I got a pretty good way of making money.

Speaker B:

It works well for me.

Speaker B:

I mean, if you kind of want to try it out, it doesn't work for everybody.

Speaker B:

I mean, you can try the course.

Speaker B:

I mean, I don't know.

Speaker A:

Yeah.

Speaker B:

Right.

Speaker B:

It's not a great sales pitch.

Speaker A:

No, no, no.

Speaker B:

So what do they do?

Speaker B:

They come out, they're like, I can make you money.

Speaker B:

Yeah, you will make money if you follow my course.

Speaker B:

It's gonna take some time.

Speaker B:

It's not for everybody.

Speaker A:

Right.

Speaker B:

Because in group, out group.

Speaker B:

Right.

Speaker B:

Not for everybody.

Speaker A:

Yeah.

Speaker B:

Only the strong will survive.

Speaker B:

There could be only one like Highlander.

Speaker A:

They got to know that you're pot committed.

Speaker B:

Yeah.

Speaker B:

And they say that they have this key, right, this opening to make you tons of money.

Speaker A:

Yeah.

Speaker B:

I was looking at some lawsuits for something else, legally, of a lot of the people who were selling Amazon stores and Walmart stores.

Speaker A:

Okay.

Speaker B:

And when you get into the economics of how much money these people were making, they were charging between $25 to $30,000 for one of these stores.

Speaker A:

To set up the stores.

Speaker B:

To set up the stores.

Speaker B:

And you look at the cadence with which they were selling these things.

Speaker B:

If they sold one a day, just one a day, that's 20.

Speaker B:

Let's call it 20 grand a day.

Speaker B:

That's low end, right?

Speaker B:

You do that five days a week.

Speaker B:

That's a hundred grand a week.

Speaker B:

A week just selling Amazon stores.

Speaker B:

You get one person on social media to buy your stick.

Speaker B:

So for people to think this is not an incredibly insanely lucrative thing for these people, it is.

Speaker A:

Yeah.

Speaker B:

Because when you think about it, what are they setting a store up for you?

Speaker B:

Right.

Speaker B:

That's nothing a tangible spend on.

Speaker B:

They're going to pay for some services and they're going to hire somebody off fiverr, like Arun does, which sucks, because.

Speaker A:

I mean, a lot of the information is free online.

Speaker A:

If they just spend the time to.

Speaker B:

Almost all of it.

Speaker A:

Yeah.

Speaker B:

And a lot of them have, like, you can get free discords, this kind of stuff.

Speaker B:

Yeah.

Speaker A:

YouTube university is real.

Speaker B:

But it was a terrible.

Speaker B:

It was a terrible business structure.

Speaker B:

And a lot of these gurus got sued for doing it.

Speaker B:

But I started looking through and the light bulb went on.

Speaker B:

Like, that's why these guys start upping their courses to ten grand and, like, these hot ticket items, right?

Speaker A:

Okay.

Speaker B:

Why try to sell, you know, ten, $1,000 courses when you could sell 110 thousand dollars course?

Speaker A:

Yeah.

Speaker B:

And they do.

Speaker B:

And they start doing the math.

Speaker B:

Let's say you sell, again, 110 thousand dollars course a day, times five days a week.

Speaker B:

You only work five days a week, 50 grand a week.

Speaker B:

And then what?

Speaker B:

Your course is on autopilot.

Speaker B:

Cause it's already pre recorded and done.

Speaker A:

That's it.

Speaker A:

Exactly.

Speaker B:

Like you're not.

Speaker B:

You don't have any other expenses.

Speaker A:

It's like a teacher, right?

Speaker A:

You build out the curriculum, and once the curriculum is built out, is you just on autopilot.

Speaker B:

It's insanely lucrative for these people.

Speaker B:

So of course they go on these shows and these podcasts, talk about the economy and give you this level of certainty.

Speaker B:

It's all selling you.

Speaker A:

So if you were.

Speaker A:

If you were a betting man, though, because obviously this is a hot topic for a lot of people.

Speaker A:

A lot of people want to get into their first home still when would you, if you, if you were to guess, I mean, how long are we waiting for rates to come down?

Speaker B:

I don't know.

Speaker A:

At least a little bit.

Speaker A:

Enough to make, I mean, even coming down half a point.

Speaker A:

Right.

Speaker B:

Historically speaking, you'll see some rate movement downward after the recess.

Speaker B:

After the election.

Speaker A:

Right.

Speaker B:

Exactly.

Speaker B:

Typically speaking, you see a slight, an incrementally slight drop, incremental slight drop post election.

Speaker B:

This one's going to be a bit unique because you have the election on November 5.

Speaker A:

Yeah.

Speaker B:

Followed by an FOMC meeting on November 6 and 7th.

Speaker A:

6Th and 7th, yep.

Speaker B:

So if there's a cut there, which now the rhetoric is that there won't be a cut, it's got, it's gone.

Speaker B:

We haven't really talked a whole lot about that the last couple of weeks because it's been really moving.

Speaker A:

I got the odds here.

Speaker B:

There's been a lot of volatility.

Speaker A:

What do you got if you want to talk about it?

Speaker A:

Okay.

Speaker A:

So first of all, tomorrow we got a CPI inflation report that's coming out that's going to be huge for them.

Speaker A:

Right.

Speaker A:

It's supposed to project the headline figure.

Speaker A:

Supposed to come in like around 2.3% I believe.

Speaker A:

Right.

Speaker A:

We'll see.

Speaker A:

We'll see what happens there.

Speaker A:

But in the last meeting that came out, remember, they released their summary of economic projections and they said that they'll do another 50 basis points by the end of the year.

Speaker A:

Total across.

Speaker A:

There's two more meetings.

Speaker A:

Right.

Speaker A:

So they could do that 50 basis points in one meeting or split that up into 225s.

Speaker A:

Right.

Speaker A:

So as of right now, we have, let's see here.

Speaker A:

The odds are a 97% chance they cut by 25 basis points.

Speaker A:

This is after that last jobs report that came out.

Speaker A:

So that last jobs report really kind of helped the Fed to ease what they do moving forward because the only way they cut by another 50 basis points is if the labor market weakens or if the economy begins to weaken.

Speaker A:

Right.

Speaker A:

And as of right now, they actually, they revised up the q two GDP figures.

Speaker A:

Did you catch that?

Speaker A:

From 2.8% up to three.

Speaker A:

Okay.

Speaker A:

So economy is doing great.

Speaker A:

Why do we need to cut by another 50 basis point?

Speaker A:

They had a jobs print last week.

Speaker A:

On Friday, jobs are no longer, you know, on the chopping block, we actually had a strong print.

Speaker A:

We don't need to cut by another 50 basis points.

Speaker A:

So now it's 25 and then possibly another 25 in December.

Speaker B:

Do you think somebody got a call from the White House?

Speaker B:

Like the port strike that we covered in episode 250.

Speaker A:

Yeah, I know.

Speaker B:

You think someone was like, hey, look, this could affect GDP every single day.

Speaker B:

You need to figure it out today.

Speaker A:

Well, so that jobs fig, that jobs report that came out, the government actually released a press release after that.

Speaker A:

And the big takeaway from that press release was Americans are experiencing faster income growth.

Speaker B:

Yeah.

Speaker B:

Really?

Speaker B:

Where credit card debt doesn't say so.

Speaker A:

Credit card debt doesn't say so.

Speaker A:

In my pocket doesn't say so.

Speaker B:

Yeah.

Speaker B:

And that, that's, that's what trips me out is you get these, these statements like that, these overwhelming, sweeping statements about gaslighting.

Speaker B:

It's gaslighting.

Speaker B:

It's gaslighting pre election.

Speaker A:

Yeah.

Speaker B:

It's political gaslighting pre election to make you feel some type of way because you heard it so much.

Speaker B:

It's like a Pavlov dog.

Speaker A:

Yeah.

Speaker B:

You ring the bell enough times with some positive reinforcement, people go, okay, you ring the bell, you start to drool.

Speaker A:

Yeah, that's what it is.

Speaker A:

And, or if you hear this messaging over and over and over, you think to yourself, oh, everyone else must be doing well.

Speaker A:

I'm just terrible at my spending.

Speaker A:

Right.

Speaker A:

So this is clearly my, my situation is my fault.

Speaker A:

Right.

Speaker A:

Whereas, like, no, no, everybody's feeling this and we're just being gaslit.

Speaker B:

Well, and that's the, that's the problem, too, with financial information like religion, fitness and finance.

Speaker B:

Those three topics are sacred.

Speaker B:

And people have their ways of doing things.

Speaker B:

And it's, it's just one of those really hot topics where if you run afoul of someone's perspective or opinion, it could be cataclysmic for a conversation.

Speaker B:

So most people just keep their opinions on these topics to themselves.

Speaker B:

And this, when it comes to finance, could be interesting because you start to look inward and think to yourself, like, okay, am I, am I not doing as well financially?

Speaker B:

Look at all these people on social media.

Speaker B:

Look at all these people around me.

Speaker B:

Like, look, they're not talking about it, right?

Speaker B:

Well, they're not talking about it for some reason.

Speaker B:

You're not talking about it.

Speaker B:

They just assume everybody around them is doing okay, too.

Speaker A:

And then here's, and then the scary part about that type of rhetoric, too, is the type of person that takes in that information.

Speaker A:

And then, and then you couple that with social media.

Speaker A:

So you're, you're going around looking at everybody else's profile, and you're seeing that man, this person's living a good, this person went on this vacation.

Speaker A:

This person bought this car.

Speaker A:

Like, look what they're doing, right?

Speaker A:

And then you start thinking, okay, maybe I should just start, you know, jumping shipping, finding another job.

Speaker A:

I don't know if now is the best time, if we're saying that a recession is around the corner, right.

Speaker A:

To be jumping jobs, and then now you're going to a new place and there's no stability there, you know, that's the scary part.

Speaker B:

Yeah.

Speaker B:

You never really know.

Speaker B:

And companies are very unique right now.

Speaker B:

Some companies are doing quite well.

Speaker B:

Some companies are not doing that well.

Speaker B:

But I would say stay away from the tech sector for the near term.

Speaker B:

For a jobs perspective, I think there's going to be cuts there.

Speaker B:

I think anything real estate related could be volatile.

Speaker B:

I think banking and finance has already gone through their tough times.

Speaker B:

It seems to me like retail is going to continue to stay flat and expand incrementally over time.

Speaker B:

So maybe there's some job growth there.

Speaker B:

The services professions, unfortunately, are going to have some massive changes.

Speaker B:

So medical, legal, AI can dominate there.

Speaker B:

Yeah, if you're a fitness trainer.

Speaker B:

So I was thinking about this the other day, and I do want to get back to the FOMC thing and the rates, because I like to talk about how, how much we write as much as possible in the show, right.

Speaker B:

But a buddy of mine made a comment.

Speaker B:

I'm actually Jeff Fargo.

Speaker B:

I'm going on his podcast next week.

Speaker A:

Shout out, Jeff.

Speaker B:

Yeah, we're going on his Fargo talks going on his show next week in Vegas.

Speaker B:

Are you gonna come with me at that, by the way?

Speaker A:

I don't know.

Speaker A:

You never told me the dates.

Speaker B:

16Th.

Speaker A:

Okay, yeah, we'll talk about it.

Speaker B:

Okay.

Speaker B:

Well, anyway, um, he was telling me that he, he didnt understand peptides, and, you know, its not his subject matter expertise.

Speaker B:

So he went to chat.

Speaker B:

GPT said, hey, im being told to take these peptides, heres my blood panel, blah, blah, blah.

Speaker B:

Put it all in there.

Speaker B:

And chat.

Speaker B:

GBT gave him answers.

Speaker B:

The answer was too technical.

Speaker B:

So he said, dumb it down.

Speaker B:

And it did.

Speaker B:

And it was, it was really impressive, the response.

Speaker B:

So I decided to do the same thing.

Speaker B:

So I went to chats EbT.

Speaker B:

I gave it my health protocol, everything from my supplements to my peptides to my cold, plunging to, like, all this stuff, right?

Speaker A:

Wow.

Speaker B:

Everything that I'm doing, my weightlifting schedule, like, everything.

Speaker B:

And then I gave it my Dexa scan, I gave it my blood panel.

Speaker A:

Wow.

Speaker B:

And said, hey, like, what can I work on?

Speaker B:

Are you seeing any trending here?

Speaker B:

Do I have any early indications in your mind of heart disease or anything, you know, anomalous?

Speaker B:

Dude, it gave me a phenomenal answer.

Speaker A:

No kidding.

Speaker B:

Like, broke it all down to me, explained, like, what I could do to tweak things.

Speaker A:

I was speaking to somebody at the office the other day, and they were telling me that on the way home from work, they enabled.

Speaker A:

There's this new feature where you can have a conversation with it.

Speaker B:

Yeah, I do that too.

Speaker A:

And it helped them with, like, their, like, business coaching or, you know, career path coaching.

Speaker A:

Kind of giving them, like, give me some tips on how I can further advance.

Speaker A:

And I haven't.

Speaker A:

I actually, personally haven't messed around with it, but I was like, that.

Speaker A:

That's fascinating, right?

Speaker A:

Because let's just say it doesn't give you the right answer.

Speaker A:

But guess what it can do?

Speaker A:

It can inspire you or give you an idea.

Speaker A:

And you now fall into the muse where now you can start to navigate.

Speaker A:

You know where you want to go.

Speaker B:

Use the word muse.

Speaker A:

Use the word muse, baby.

Speaker B:

Look at you.

Speaker B:

Go ahead, daddy.

Speaker B:

So, but think about Tatum T.

Speaker B:

In, like, a broader sense, people aren't acclimated to using it like that.

Speaker B:

But here's a crazy thing about it.

Speaker B:

If you're giving somebody health advice, even a doctor, I can get probably a more robust, detailed explanation from Chad GPT than you can give me.

Speaker A:

Oh, right.

Speaker B:

And I've caught chat GBT being wrong, so don't.

Speaker B:

I mean, grain of salt, but we're getting to the inflection point where a lot of things make a whole hell of a lot more sense to ask.

Speaker B:

Chad, chat GPT.

Speaker A:

Yeah, right.

Speaker B:

I had an x ray on the other day, okay.

Speaker B:

I literally loaded my x ray up is my pelvis.

Speaker B:

Remember I sent it to you and said, here's a dick shut dick picture?

Speaker B:

Yeah.

Speaker B:

You know what I thought about doing that?

Speaker B:

Made the rounds.

Speaker B:

It was the african american dude that was very well endowed, sitting on the side of a bed.

Speaker A:

Bro.

Speaker A:

I have so many stickers of that guy still that I'm just wanting to, like, surprise people with 510 years from now.

Speaker B:

You have stickers?

Speaker A:

Somebody bought me, like, a pack of stickers.

Speaker B:

Somebody bought you?

Speaker A:

Oh, yeah, yeah.

Speaker A:

Someone who bought.

Speaker A:

I can't release the name, Ruhn.

Speaker A:

Someone bought me a pack of stickers.

Speaker A:

I'm just gonna be going around dropping it into people's cars.

Speaker A:

Put the higher standard on the back.

Speaker A:

Poor guys passed away, too.

Speaker B:

Yeah.

Speaker C:

No, this is his confession.

Speaker A:

Yeah.

Speaker C:

In five years, when the cops are looking for that guy.

Speaker A:

Yeah, yeah, yeah.

Speaker B:

I wanted to take.

Speaker A:

I wanted to photoshop the new pee bottle guy.

Speaker B:

I wanted to photoshop that guy into black and white.

Speaker B:

And then have him, like, put into my x ray and send this to everybody, my x ray, and say, hey, I think something's wrong with my hip.

Speaker B:

And I didn't do it, but I should have done it because that's where my mind's at.

Speaker B:

But I uploaded it to chat GBT, and I said, hey, like, I have.

Speaker B:

Can you tell me if you see anything on this x ray that's concerning?

Speaker B:

Because my doctor had told me that there was, like, a tendon that had probably pulled off and caused a bit of a bone spur, which shouldn't be a problem for me functionally, but it's why my deep squats are always, like, you know, awkward, painful, like, a little painful.

Speaker B:

And sometimes I tend to pull muscles a little bit.

Speaker A:

Okay.

Speaker B:

Chet gave me way thorough answer.

Speaker B:

Explained how I could do, like, movements, improve it.

Speaker B:

Way more thorough just from looking at a picture.

Speaker A:

I never saw that movie with walking Phoenix.

Speaker A:

Her.

Speaker B:

Never saw it.

Speaker B:

Yeah.

Speaker A:

Yeah.

Speaker A:

Odin, did you see it?

Speaker C:

No, I didn't.

Speaker A:

Oh, I wonder, because it was the whole thing about him having a relationship with his.

Speaker A:

With his phone, right?

Speaker B:

Let's be honest.

Speaker B:

We're all dating our phones right now.

Speaker A:

Yeah, but this is.

Speaker A:

He was having conversations, right?

Speaker A:

So I'm just wondering, like, oh, like, it was ahead of its time.

Speaker B:

Oh, dude, we are.

Speaker B:

We are very close to your phone.

Speaker B:

Be able to be a therapist for you.

Speaker B:

Like, I mean this in all sincerity.

Speaker A:

That might be a great thing.

Speaker B:

If you're selling a mastermind course, here's what's going to happen to you.

Speaker B:

You're gonna get to the point where someone can say, hey, chat GPT, teach me how to wholesale real estate, and it's gonna be able to do a way better job teaching you how to wholesale real estate than somebody's course they recorded, because it can, in real time, respond to you, answer your questions, give you more feedback, help you understand principles.

Speaker A:

I can't remember what it was I did, but for the first time the other day, because I tend to use YouTube as Google sometimes, right.

Speaker A:

I use.

Speaker A:

I'll go search something in there to get a visual response.

Speaker A:

Right.

Speaker A:

I do that.

Speaker A:

So I do that a lot, actually.

Speaker A:

Right.

Speaker A:

But for the first time the other day, I can't remember what it was, but I went straight to chat GBT.

Speaker A:

I use chat as my Google search engine.

Speaker A:

Yeah.

Speaker B:

I use it daily.

Speaker A:

Yeah.

Speaker B:

Like, I literally, like, query stuff that.

Speaker B:

Otherwise, what I used to search for stuff and go, okay, I want to learn about x, y, and z.

Speaker B:

I'll search for it.

Speaker B:

I'll watch a video.

Speaker B:

Now, I want to do that.

Speaker B:

Unless I need to watch a video, I'll ask chat GPT to explain it to me simply and quickly.

Speaker A:

Yeah.

Speaker B:

And it works every single time.

Speaker A:

Amazing.

Speaker B:

So, yeah.

Speaker B:

Arun, you still using chat GPT a lot?

Speaker C:

Yeah, for emails, social stuff, just, like, editing, content creation stuff.

Speaker A:

What kind of smart remark you got there?

Speaker A:

I see you smirking.

Speaker B:

No, no.

Speaker B:

I was sitting here thinking that there's gonna come a point, too, where I don't know if you spent time, like, talking, chad, GBT, like, I have.

Speaker B:

Like, just to test it out.

Speaker A:

No, I haven't.

Speaker B:

It's really hard to differentiate, like, in a basic conversational context, it's really hard to differentiate.

Speaker B:

Is this a person talking to me, or is this AI because it's responsive in a thoughtful way in some moments, and you're like, wow, that's weird.

Speaker B:

We're going to get to the point where you could turn AI on in your phone and have it respond to people.

Speaker B:

And so I'm using AI for the podcast now to manufacture some of the show notes and everything else and the timestamps.

Speaker B:

But you can train the AI.

Speaker B:

You can point it to things you've written and said.

Speaker B:

So I can point it to our podcast, right?

Speaker A:

Yeah.

Speaker B:

And say, here's three episodes of our podcast.

Speaker B:

Please write these show notes in a tone consistent with how we speak to one another.

Speaker B:

Keep it light, keep it funny, blah, blah, whatever.

Speaker A:

Yeah.

Speaker B:

And it'll learn the way we speak, it'll learn how we articulate ourselves, and then it'll literally craft notes that sound like us.

Speaker A:

Yeah.

Speaker A:

And worst case scenario, gives you, like, a rough draft to, like, right off of.

Speaker A:

Yeah.

Speaker B:

But there's.

Speaker B:

We're very close to the point where I.

Speaker B:

You can say, hey, chat gt respond to my messages for me, as my assistant on all matters that you can clearly identify.

Speaker A:

I would just wonder, like, how much are they gonna.

Speaker A:

How long are they gonna wait for everyone to become so reliant on it and then, like, up the subscription?

Speaker B:

Oh, I'm sure it's part of it, but, I mean, think about it.

Speaker B:

Let me give you.

Speaker B:

Let me give you.

Speaker C:

Who wouldn't do it, though?

Speaker B:

I mean, who wouldn't?

Speaker A:

I mean, yeah, I mean, I'm paying the $20 right now.

Speaker A:

You know, I'm like, I would.

Speaker A:

I would pay a lot more.

Speaker B:

I happily pay for it.

Speaker A:

Yeah.

Speaker B:

But imagine.

Speaker B:

Imagine a point where someone you could tell Chat GPT to schedule everything for you.

Speaker B:

If somebody wants to, like, hang out with you, something, right?

Speaker B:

Someone can say, hey, site, you available?

Speaker B:

Saturday chat.

Speaker B:

You can check your schedule.

Speaker B:

Go.

Speaker B:

Yeah, he's.

Speaker B:

He's available.

Speaker A:

Hit my.

Speaker A:

Hit up my assistant.

Speaker B:

I mean, it's at the.

Speaker A:

I mean, it's right there.

Speaker A:

It should be there.

Speaker B:

Right.

Speaker C:

Well, there are already platforms that do that.

Speaker C:

It's just not chat chapter.

Speaker A:

Yeah, but you want one thing to exactly.

Speaker A:

Encompass everything, right?

Speaker B:

You want one.

Speaker B:

And this is what scares me the most, is we're going to get to the point where your kids are going to be literally living life with a personal assistant in their pocket.

Speaker A:

I'm going to hit you up, Chris.

Speaker A:

Let's go play some ball.

Speaker A:

Chat.

Speaker A:

GT gonna respond back.

Speaker A:

He don't want to do that.

Speaker B:

He old, bro.

Speaker A:

He's not doing that with you.

Speaker A:

Sorry.

Speaker C:

The thing is, Chad, GT is going to learn that Chris likes to isolate himself and he's going to say no to everyone.

Speaker A:

He found a way to make it hurtful, bro.

Speaker A:

I love it.

Speaker A:

I love it.

Speaker A:

I love that he found a way to make it hurtful.

Speaker B:

Isolating myself.

Speaker B:

I'm prioritizing.

Speaker B:

Me.

Speaker A:

Yeah, you hate.

Speaker B:

I don't hate people.

Speaker B:

I just have a.

Speaker A:

You are introverted.

Speaker A:

You're introverted.

Speaker A:

Come on, let's be honest.

Speaker B:

I'm an extrovert.

Speaker C:

Chris, you're.

Speaker A:

You're far.

Speaker A:

Hold on.

Speaker A:

It's not in front of a live audience.

Speaker C:

Why, daddy, wait, hold on.

Speaker C:

When was the last time, Chris, you're like, hey, let's go have dinner.

Speaker B:

No, I don't do it.

Speaker C:

Exactly.

Speaker A:

Why?

Speaker A:

Why?

Speaker C:

No, seriously.

Speaker C:

Say, what was the last time we had dinner with Chris?

Speaker A:

When we had that video editor?

Speaker A:

You know why Chris is, like, not going do it.

Speaker B:

You guys.

Speaker A:

You guys cost me too much money.

Speaker B:

Yeah, y'all have some expensive dates, man.

Speaker B:

No, you can't tell a room you can drink alcohol.

Speaker B:

Oh, my God.

Speaker B:

Clear the pad, ladies.

Speaker A:

Let's go.

Speaker C:

You and I went drink for drink that night.

Speaker B:

Yeah, I know we did.

Speaker B:

Back in the days when I drank, dude, I know I've deprioritized friendships.

Speaker B:

I get it.

Speaker B:

I get that.

Speaker B:

I'm a bad person.

Speaker B:

I am a terrible.

Speaker A:

Yeah, not the best friend.

Speaker A:

You're a good friend.

Speaker B:

I'm not a good friend either.

Speaker B:

I'm a mediocre friend at best.

Speaker B:

I'm not an acquaintance because I actually do give a shit.

Speaker B:

I just don't care enough to call you about it or ask.

Speaker A:

Does that mean.

Speaker A:

But hold on, that's a whole nother topic.

Speaker A:

Then, I mean, do you really care then I do.

Speaker B:

Okay.

Speaker A:

If you gave a shit, you would call.

Speaker B:

Let's do this.

Speaker B:

All right?

Speaker B:

And I know you don't do it difficult for me.

Speaker A:

This is opening a can of worms for you, my friend.

Speaker B:

Okay, daddy, I know.

Speaker B:

I know it's difficult for you, all right?

Speaker C:

How honest do you want me on this conversation?

Speaker A:

I want you logged in the entire time.

Speaker B:

I turn the honesty all the way up.

Speaker B:

I know it's difficult for you because it's gonna be a personal connotation.

Speaker B:

I'm gonna give you an example of what personal conversations actually sound like, sharing real stuff.

Speaker B:

Oh.

Speaker A:

Let's go, baby.

Speaker B:

My brother had a nose job, okay?

Speaker A:

Yes.

Speaker B:

He had a deviated septum, and granted, he aesthetically could have used some improvements on the nose.

Speaker A:

I don't think so.

Speaker A:

I thought he was very handsome.

Speaker B:

A little crooked from the fall.

Speaker B:

He knows it.

Speaker B:

I mean, I'm not telling anybody.

Speaker B:

I'm not airing out his dirty laundry, right?

Speaker B:

I.

Speaker B:

My whole family's like, go over and visit him.

Speaker B:

Go over and visit him.

Speaker B:

And I'm like, yeah, I got time for that.

Speaker B:

I called him.

Speaker B:

I facetimed him.

Speaker B:

You okay?

Speaker B:

Cool, bro.

Speaker B:

All right, good.

Speaker A:

But you're the same person that gets hurt if he didn't come visit you.

Speaker A:

No, no, that's not true, bro.

Speaker C:

When you.

Speaker A:

When you had your asshole split open, you were like, no, he didn't come visit me.

Speaker A:

Yes, you're that guy.

Speaker A:

You are that guy, too.

Speaker B:

No, no.

Speaker A:

You are sensitive.

Speaker B:

No, no.

Speaker B:

There.

Speaker B:

No, I wasn't.

Speaker B:

First of all, if you're gonna talk about my asshole being split open, you have to give us some context, especially.

Speaker A:

On the diddy episode, all right?

Speaker B:

I had a colorectal surgery.

Speaker A:

All the listeners listened to the episode.

Speaker A:

You explained it.

Speaker A:

That's what.

Speaker B:

I don't even know what episode that was.

Speaker A:

Yeah, I don't.

Speaker A:

Neither do I.

Speaker B:

Is one of them labeled the ass episode?

Speaker A:

Yeah.

Speaker A:

Yeah.

Speaker A:

Colorectal surgery.

Speaker B:

This makes me calling you daddy very awkward.

Speaker A:

No.

Speaker B:

So I had a colorectal surgery.

Speaker B:

There was some bleeding.

Speaker B:

They had to cut my anus in half.

Speaker B:

And he has to heal from the inside out.

Speaker B:

I was not upset with my family.

Speaker B:

Wait, why are you looking at me like that?

Speaker B:

Christopher, you knew this.

Speaker B:

What?

Speaker A:

No.

Speaker A:

You were not upset?

Speaker B:

No, no.

Speaker B:

I'll explain.

Speaker B:

I wasn't upset with my family not visiting me.

Speaker B:

I had a surgery.

Speaker B:

I was upset because I physiologically could not function on my own in simple ways.

Speaker B:

Like, it's different when brother had a nose surgery.

Speaker B:

His wife's with him, right?

Speaker B:

I know he's taken care of.

Speaker B:

His wife's family was there.

Speaker B:

I know he's taken care of.

Speaker B:

And he can still get around and do things.

Speaker B:

It's just he can't breathe very well.

Speaker A:

I mean, look, I.

Speaker A:

I physiologically could.

Speaker B:

Not get off my stomach and walk around and move.

Speaker A:

Yeah.

Speaker B:

Yeah.

Speaker B:

So I was like, bro, like, y'all know I can't.

Speaker A:

For how long, though?

Speaker A:

I mean, the first week, two weeks.

Speaker A:

Okay.

Speaker A:

But then after that.

Speaker B:

No, because I had to heal from the inside out.

Speaker A:

Yeah.

Speaker B:

I couldn't drive myself anywhere because I couldn't sit on my bottom.

Speaker A:

Yeah.

Speaker B:

I had to sit on my stomach in back of Ubers, which is very weird way to get into an uber.

Speaker A:

Yeah.

Speaker B:

Hey, daddy.

Speaker B:

And you lay in your stomach.

Speaker A:

Yeah.

Speaker B:

And it was.

Speaker B:

It was awkward, but I.

Speaker B:

You know, and I had to get that.

Speaker B:

This is before standing desks were a thing.

Speaker B:

I had a stand up desk, and I was basically wearing a glorified diaper for the greater portion of, like, four months.

Speaker A:

Yeah.

Speaker A:

You had that soft cushion that he had to sit on.

Speaker B:

I had the doughnut donut.

Speaker B:

And then every time I went to the bathroom, this one would be a huge problem.

Speaker B:

I had to sit in, like, warm, salty water for 40 minutes.

Speaker A:

So let me ask.

Speaker A:

So then let me ask you this follow up question.

Speaker A:

If you.

Speaker A:

If you know that, you clearly understand that most people are the other way.

Speaker B:

Yes.

Speaker A:

Okay.

Speaker A:

You get that part.

Speaker B:

Right?

Speaker A:

And you know that for most people, it would make them feel good if you did carve out that time to go see them.

Speaker B:

I disagree.

Speaker B:

I think the sentiment would make them feel good.

Speaker A:

Okay.

Speaker B:

But let's be honest.

Speaker B:

If you've had a surgery and you don't feel well, right.

Speaker B:

Something like this, you don't want people there when you're not feeling very well.

Speaker B:

You're drugged.

Speaker B:

You want to sleep.

Speaker A:

Absolutely.

Speaker A:

I get that.

Speaker A:

I'm like that, too.

Speaker B:

You want someone to come over, help you out, and then leave.

Speaker A:

Yeah.

Speaker A:

It's nice in theory, but it's also kind of like, man, fucking leave.

Speaker A:

I don't want to talk to you.

Speaker B:

Yeah, just come in and.

Speaker B:

Diphthere.

Speaker A:

Yeah.

Speaker B:

Right?

Speaker A:

Yeah.

Speaker B:

Kids don't say dip anymore.

Speaker A:

Do they know dip is.

Speaker A:

We're gonna keep dip around for a long time.

Speaker A:

That's cemented.

Speaker B:

All right.

Speaker B:

In any event.

Speaker B:

Yeah.

Speaker B:

You don't feel to stay there, like, and hang out with you.

Speaker B:

And then when you start to get better and you're a little more functional and you're off, like, painkillers, stuff like that, then you're like, all right, let's watch a movie or something like that.

Speaker B:

Like, I get that.

Speaker A:

So my thought process on all this is I get the whole idea of I don't want to go in and burden the person.

Speaker A:

They don't clearly don't want to sit and talk to me with this, with everything on their face.

Speaker A:

But you know what I'll do?

Speaker A:

I'll go deliver their favorite meal or something and just drop it at their doorstep and then I'll leave.

Speaker B:

Yeah, no, I hear that.

Speaker A:

Yeah, that's not me.

Speaker A:

I know it's not you.

Speaker A:

Why?

Speaker A:

He lives down the street.

Speaker B:

I can postmates to him.

Speaker A:

Yeah, you can, but there's no effort in that.

Speaker B:

There's plenty of effort.

Speaker B:

I gotta get on my phone, I had to order it, I had to send it to him, I had to hit tip numbers that are probably ridiculous.

Speaker A:

Did you do this?

Speaker B:

No.

Speaker B:

He's got his wife, he's good.

Speaker A:

Come on, man, come on.

Speaker B:

Look, dude, I'm not the world's greatest relative, I'm not the world's greatest sibling.

Speaker A:

But you can't just write that off and then expect everyone to be like.

Speaker A:

No, but then I expect you to be like really good to me.

Speaker B:

I don't.

Speaker B:

I'm actually quite used to people not.

Speaker A:

Being good to me.

Speaker A:

No, unfortunately.

Speaker B:

I'm quite used to it, unfortunately.

Speaker A:

But then there are good.

Speaker A:

You do have certain levels of expectations.

Speaker B:

No, no, no, no.

Speaker B:

I have certain levels of expectations when it comes to business.

Speaker B:

If I message you guys, podcast and.

Speaker A:

Nothing, you're just gonna sit there quietenhe.

Speaker C:

Have no idea what to say.

Speaker C:

I mean, dudes, no, you're tap dancing.

Speaker A:

Bro, you're tap dance.

Speaker A:

Yes you are.

Speaker B:

What is the expectations that I guess.

Speaker C:

What I had, my daughter had surgery six months, seven months ago now.

Speaker B:

Yes.

Speaker A:

We never talked about that on the show.

Speaker C:

And that timeframe, that first week you asked how I was doing.

Speaker C:

Yeah, after that, I think it was two weeks ago, three weeks ago.

Speaker C:

You're like, hey, how's Zara doing?

Speaker C:

Yeah, I looked at you and I was like, why the fuck do you want to know?

Speaker A:

Cuz you didn't ask for a long time.

Speaker B:

Well, that's a weird stance to take just because somebody has.

Speaker C:

Every time, every time I've seen you since we've been doing the show, I asked how Carter's doing.

Speaker C:

I actually stopped because it.

Speaker C:

You don't care enough to ask how my feels.

Speaker A:

Like he feels like you don't care enough.

Speaker C:

So I true asking.

Speaker C:

I mean, dude, I.

Speaker C:

Maybe you do, but you know, the problem is.

Speaker A:

The problem is I think your friends would like for you to show it a little bit.

Speaker A:

Bit more.

Speaker A:

You say you do and then just show it a little bit more.

Speaker A:

All right, but you're very busy.

Speaker C:

That's not an excuse.

Speaker A:

It's not?

Speaker A:

Yeah.

Speaker A:

For people that matter to you, I.

Speaker B:

Would say, okay, look, it's gonna sound terrible.

Speaker B:

There is an inflection point where I feel like people want to talk about things that matter to them.

Speaker B:

And a lot of times people will ask you what they want you to ask them.

Speaker A:

Okay, I'll give you an example.

Speaker B:

A lot of times people will walk in, oh, how's the family?

Speaker B:

Because they want you to ask them about their family.

Speaker B:

Because you guys want to share thoughts about back and forth one another.

Speaker A:

No, I'm not like that.

Speaker A:

I ask because if I ever come in and I ask how your family's doing, because I care about you, and I want to make sure that the people that are close to you are also doing okay.

Speaker B:

But I'm also exceedingly forthcoming, and I will tell you how things are going.

Speaker B:

Like, even if I'm having a tough time at home, I'll tell you, you.

Speaker A:

Are very open about everything.

Speaker A:

That's right.

Speaker A:

Yeah.

Speaker B:

And I'm very open because that's who I am.

Speaker B:

I realized over time that a lot of people don't like that, Chris.

Speaker C:

The difference, though, is some fucking.

Speaker C:

I don't even know, the janitor can come in right now and be like, hey, Chris, how are you doing?

Speaker C:

How's the family?

Speaker C:

You will open up to them the same way you would open up to.

Speaker A:

Say, what's the difference?

Speaker B:

True.

Speaker C:

So where's, so where do we stand?

Speaker B:

Yeah, where do you, where do you stand?

Speaker B:

I'm open with everybody.

Speaker B:

Yeah, that's, that's the thing.

Speaker B:

That's the difference.

Speaker B:

And that's, that's what.

Speaker B:

That's the part that people don't understand.

Speaker B:

And I get it that I'm the weird one here.

Speaker B:

I am not a different person to people I don't know and people I do know and people around.

Speaker B:

I am the same person to everyone.

Speaker A:

You are that same person.

Speaker A:

Yep.

Speaker B:

I can attest I am the same person to everyone.

Speaker B:

And it bothers me how people are different with different people.

Speaker B:

I have always taken objection with that.

Speaker A:

Wait.

Speaker B:

To me it seems inauthentic.

Speaker B:

You have a Persona for people that you know better than other people.

Speaker A:

Yeah.

Speaker B:

Because you feel more comfortable.

Speaker B:

Whatever reasons it might be, you care.

Speaker A:

More about certain people than other people.

Speaker B:

Okay.

Speaker A:

That's the whole.

Speaker C:

They have more.

Speaker C:

They bring more.

Speaker A:

That's the whole point of relationships.

Speaker B:

But can't you say you care about everyone.

Speaker A:

But you, you do.

Speaker A:

You do agree, though, like, curating and devoting time and feeding and fueling relationships is a very healthy thing.

Speaker B:

It's never turned out well for me.

Speaker A:

Yeah.

Speaker A:

I mean, you've.

Speaker A:

I would not say never.

Speaker B:

I have had a tremendous amount of people that I considered friends at one point in time.

Speaker B:

Fuck me.

Speaker A:

Yeah, but, daddy, that's true.

Speaker A:

They have.

Speaker A:

But not everybody has.

Speaker B:

Not everybody.

Speaker B:

No, true.

Speaker B:

And I will.

Speaker B:

I will.

Speaker C:

That wasn't me.

Speaker C:

That was.

Speaker A:

Sorry.

Speaker C:

Sorry.

Speaker B:

I couldn't tell which one of y'all was cleaning your throat.

Speaker C:

The guy right next to you.

Speaker B:

I will admit, as I've gotten older, I'm gonna regret saying this the second I say it.

Speaker B:

Shit.

Speaker B:

I do feel like I have a measurable amount of autism.

Speaker A:

You can't say that.

Speaker B:

I do.

Speaker B:

I don't mean that in, like, a sarcastic way.

Speaker B:

I mean, like, I literally think there are portions.

Speaker B:

I have, like, autistic like qualities.

Speaker A:

Okay.

Speaker C:

And because of that, you.

Speaker A:

But then you fully recognize some of the other things.

Speaker A:

You're like, ah.

Speaker A:

Like when you come on and say, like, I'm just a bad friend.

Speaker B:

No, it's just I.

Speaker B:

I know that my willingness to engage in things that people consider to be normalized friendship is not the same.

Speaker B:

Yeah, I know that.

Speaker B:

I'm different.

Speaker B:

Like, I can see it.

Speaker A:

Yeah.

Speaker B:

That doesn't mean that I change the way I feel.

Speaker A:

Yeah.

Speaker A:

Yeah.

Speaker B:

Like the pleasantries of bullshit are lost on me.

Speaker A:

The pleasantries of bullshit.

Speaker B:

Hey, how are you?

Speaker B:

The whole time I'm thinking, get to the fucking point.

Speaker A:

I'll hurry up and get there.

Speaker B:

Get there faster, because I don't have time like that.

Speaker A:

Yeah, yeah, I know we, like leisurely.

Speaker B:

Like pacing the show and all that kind of stuff, but, I mean, my days are so.

Speaker B:

Every minute of today was accounted for.

Speaker A:

Yeah.

Speaker C:

So, Chris, do you understand how that comes off?

Speaker C:

Like, what I'm hearing right now?

Speaker C:

What I'm hearing is I don't have time for bullshit.

Speaker C:

So you asking, hey, how's Merriam and Zara doing?

Speaker C:

That is bullshit for you to sit and listen for that 10 seconds where I say they're good.

Speaker C:

Zara just started walking.

Speaker C:

Mariam.

Speaker B:

No, that's not true.

Speaker B:

It's not that it's bullshit.

Speaker B:

It's that you don't care.

Speaker B:

No, no.

Speaker B:

So that I don't care.

Speaker C:

It's that autistic and.

Speaker B:

No, no, no, let's.

Speaker B:

It's that if there's something going on and you want my opinion, I will always listen if you come to me or something.

Speaker B:

I will always listen, which is true.

Speaker C:

Which I have done in the past.

Speaker B:

Right.

Speaker B:

But I'm never going to pry into asking how people are, because I found out the hard way people have different interpersonal perspectives than I do.

Speaker B:

I tend to be much more open than other people, and my willingness to ask really point blank, fucked up questions in a short, concise way can be offensive.

Speaker C:

I am the same way as.

Speaker C:

I am the exact same way, as you say.

Speaker B:

And it's why we bump heads on stuff like podcasts where we're talking about it.

Speaker B:

You know what I mean, daddy?

Speaker A:

I mean, there's no.

Speaker A:

I mean, this is no different than.

Speaker A:

I mean, I can't believe I'm about to do what I'm about to do.

Speaker B:

Personal life.

Speaker A:

No.

Speaker A:

If there was a long stretch of time where Kobe was like, I'm not here to build make friends.

Speaker A:

I'm here to hang ban.

Speaker B:

Yeah.

Speaker B:

100% accurate.

Speaker B:

Yeah.

Speaker A:

Yeah.

Speaker A:

So it's like, so.

Speaker A:

But then everyone around him would be like, all right, we'll fucking work with this guy.

Speaker A:

And then you go off and do your thing.

Speaker A:

And I'm like, where us friends are going to build relationships.

Speaker B:

True story.

Speaker B:

I hated Kobe Bryant during his time in the league.

Speaker B:

I thought he was arrogant.

Speaker B:

I thought he was juvenile.

Speaker B:

I thought he was childish.

Speaker B:

And shortly before he passed away, he did an interview with GQ.

Speaker B:

And I still have the GQ magazine physical print copy, where in the article, he said, this is what caught my eye.

Speaker B:

He said that he understood that he was a bad friend and a bad husband and a bad father.

Speaker B:

And I'm like, wait, what?

Speaker B:

Like, he was cognizant of all the things that I was critical of him.

Speaker A:

Yeah.

Speaker B:

And I'm like, wait a minute.

Speaker B:

So I was engaged.

Speaker B:

Now I'm like, what?

Speaker B:

What?

Speaker B:

And I start reading it, and they're like, oh, my God.

Speaker B:

Like, I don't like him because he's me.

Speaker A:

He's willing to sacrifice everything for the thing that he's trying to achieve.

Speaker B:

In his mind, you had to make those sacrifices in order to be good.

Speaker A:

Not good, great.

Speaker B:

I'm not saying I'm great at him at anything, but I've made the same choice as it relates to my business over time.

Speaker B:

And on some ways, I will admit, there are some regrets that I have.

Speaker A:

You can share the same mindset.

Speaker A:

And, look, I think that there's a certain subset of the population or certain people that are really career driven or just don't want to settle and they want to aspire for more and more and more.

Speaker A:

There's something about that that you need to have in order to make it right.

Speaker A:

And then other people like, might value the actual relationship building more.

Speaker B:

Well, let me put it into a different context.

Speaker B:

And arun, I hope you understand this applies to you as well.

Speaker B:

Humans are very dynamic creatures.

Speaker B:

We all have a different capacity for output of work.

Speaker B:

We all have a different capacity for input of information, for output of information, for conversation.

Speaker B:

Just our capacities as humans and everything that we do varies such a great deal.

Speaker B:

Right?

Speaker B:

It's incredible to me.

Speaker B:

Steve Jobs, may he rest in peace, always spoke about eliminating decision fatigue.

Speaker A:

Yeah.

Speaker B:

That's why he wore the same outfit every single day.

Speaker B:

It was one less decision he had to make in his day.

Speaker A:

Yeah, I think I remember Obama used to have somebody pick his outfit, too.

Speaker A:

So that was just one less decision.

Speaker B:

You'd have to make one less decision, because when you're dealing with an influx of information, there's only so much output you can put out on a daily basis.

Speaker A:

Right.

Speaker B:

So as terrible as this might sound, one of the ways I've found to defend myself from decision fatigue is limiting the inputs that come to me by not asking.

Speaker B:

Yeah, if you bring something to me, I will.

Speaker B:

I will opine and have a conversation with you.

Speaker B:

If you do not, odds are I'm not going to come to you and ask unless I'm concerned or unless something significant has happened, because I'm not going to bring any more inputs to my day.

Speaker B:

You see, more than most, the stuff that I'm dealing with on an emotional EQ frequency takes a tremendous amount of, frankly, political finesse on a daily basis.

Speaker A:

It's pretty.

Speaker A:

It's wild.

Speaker B:

At this point in time, I'm essentially a politician, and it's terrible because I don't enjoy it at all.

Speaker B:

But that's the nature of the game.

Speaker B:

When you're playing in such a public arena and people will talk about the stress of being, you know, all these things I get.

Speaker B:

Everybody's got different stress levels.

Speaker B:

Right?

Speaker B:

What stresses me out might not stress you out.

Speaker B:

What's vice versa?

Speaker B:

You never know.

Speaker A:

Yeah.

Speaker B:

I have just chosen to limit the amount of information.

Speaker B:

to work and I'm at work from:

Speaker B:

to:

Speaker B:

i go to the gym for an hour and a half, 2 hours, I get home, spend whatever time I can with my son, then I'm editing podcast content, or I'm working on something else.

Speaker B:

I'm doing law firm stuff that I haven't watched television in God knows how long with my wife, I haven't sat on the couch with my wife and done nothing.

Speaker B:

In God knows how long, I don't.

Speaker B:

We haven't had a date night in probably, like three weeks.

Speaker B:

Right.

Speaker B:

And it's not because we didn't want one.

Speaker B:

Our babysitter canceled.

Speaker B:

My life is at a cadence that most people could not consistently do, and I'm okay with it for right now, but I can't do it forever.

Speaker A:

Yeah.

Speaker A:

At some point, you're gonna have to pull back.

Speaker A:

Right.

Speaker B:

There'll be exhaustion.

Speaker A:

Yeah.

Speaker A:

I mean, so are you not fearful of, like.

Speaker A:

Okay, I get the whole friends thing.

Speaker A:

Okay, let's say.

Speaker A:

Let's say we come to terms with that, but let's say the building relationship with your.

Speaker A:

And you always talk about, you know, we don't say it on the podcast as much, but you have said on the podcast, but, you know, off.

Speaker A:

Off camera, too, you say, I love my wife, and I love spending time with my wife.

Speaker B:

She's my best friend.

Speaker A:

Right.

Speaker A:

So it's like, at some point, you know, God forbid, one day when you're on your deathbed, you don't want to be thinking, I wish I would have spent more time with my wife.

Speaker B:

Well, and that.

Speaker B:

That's where my time goes.

Speaker B:

That's where my inquiry.

Speaker B:

So when I get home, this is going to sound terrible, and I know my wife's probably going to hear this episode of all episodes.

Speaker A:

This is the one.

Speaker B:

This is the one.

Speaker B:

Will you call me?

Speaker B:

You know what I mean, daddy?

Speaker B:

But any event, I know it takes every bit of mental restraint some days when I get home.

Speaker B:

So I try to go to the gym first every single day, even if I'm just going to do cardio for 20 minutes, because that's going to be my silence.

Speaker B:

And I'll listen to music, but I'll try not to talk to.

Speaker B:

I don't talk to a single person at the gym.

Speaker B:

I despise it.

Speaker B:

I don't want to know any of you.

Speaker B:

Yeah, like, I'm here to do my thing.

Speaker B:

Like you do your thing.

Speaker B:

I just want to.

Speaker B:

I just want to quiet.

Speaker B:

Nothing.

Speaker B:

I don't want to make any decisions.

Speaker B:

I don't want to think.

Speaker A:

Right.

Speaker B:

I just want to move.

Speaker B:

Right.

Speaker B:

And I'll get home.

Speaker B:

And my wife, because, you know, she hasn't had a chance to talk to anybody all day long.

Speaker B:

She's staying home, her son.

Speaker B:

She spends a little bit of time.

Speaker B:

She has, you know, people in the neighborhood and friends she wants to download with me.

Speaker B:

That's just a ton of information coming my way.

Speaker B:

And usually by that time of the day, I've made a lot of critical conversation, had a lot of critical conversations, made a lot of critical decisions, and I've just.

Speaker B:

At mental fatigue.

Speaker A:

Yep.

Speaker B:

The last thing I want to do is opine on, like, drama.

Speaker A:

Yeah.

Speaker B:

Or like, what's going on with people that frankly just seem to grow up.

Speaker A:

Yeah.

Speaker B:

Right.

Speaker B:

And that's a great corollary.

Speaker B:

And I, for my wife, I'll do it all day long, and I'll try to be responsive and give feedback and do all those things.

Speaker B:

When you think about in the context of friendships, most friendships, they want to go out and drink with you or eat with you.

Speaker B:

I don't want to do those two things right now.

Speaker B:

Yeah.

Speaker B:

That's usually not child friendly.

Speaker B:

I don't get to spend a whole lot of time with my son, so I prefer to spend that extra time that I would be with friends with my son.

Speaker A:

Right.

Speaker A:

That's just more time taken away from, you know, the other people that really matter.

Speaker B:

Yeah.

Speaker B:

In a room.

Speaker B:

I don't ask you about your wife and about the girls as much as I should, and I apologize.

Speaker B:

Do you go out and do things like, for a hobby?

Speaker B:

Do you play golf?

Speaker B:

You play sports?

Speaker B:

Like, what do you do?

Speaker C:

Yeah.

Speaker C:

Like 15 years ago, I golf once a quarter.

Speaker A:

Once a quarter.

Speaker B:

Okay.

Speaker B:

What do you do for yourself?

Speaker B:

You hang out with said, do you guys go over there, spend time with family together?

Speaker A:

Yeah.

Speaker A:

Sunday brunches.

Speaker B:

Sunday brunches.

Speaker B:

Okay.

Speaker A:

Yeah.

Speaker C:

What do I do for myself?

Speaker B:

You go out.

Speaker B:

Friends.

Speaker B:

You go to parties?

Speaker C:

One or.

Speaker C:

No, twice a year for a weekend.

Speaker C:

I do hang out with a group of my friends from San Francisco.

Speaker B:

You just told me before the show started that you were hanging out with a relative and they were trying to use your friends to those friends.

Speaker B:

Right.

Speaker A:

Occasional friend gatherings, yeah.

Speaker B:

How often you do that?

Speaker A:

Once a month?

Speaker C:

Yeah, once a month.

Speaker C:

Once every two months.

Speaker B:

I don't do any of that.

Speaker A:

That's once a month.

Speaker B:

None of it.

Speaker C:

But, Chris, so this is the thing.

Speaker A:

No, I get you.

Speaker A:

I get you don't do that.

Speaker A:

But, but that's also with our family.

Speaker B:

I get my family doesn't do with me either, Chris.

Speaker A:

No, no, I'm saying that's with, like, our wife and children.

Speaker A:

Right.

Speaker A:

So it's like, I've invited you to.

Speaker C:

Enough events, Chris, where you have said no.

Speaker C:

So eventually, like, the request of you.

Speaker A:

Attending naturally would go.

Speaker C:

Yeah.

Speaker B:

Yeah.

Speaker A:

Because it's like you'd feel like, oh, I don't want to.

Speaker A:

It's like, I don't want this.

Speaker A:

Did not do this awkward song and dance.

Speaker A:

I got a vibe.

Speaker A:

And then you say, you know.

Speaker B:

Yeah.

Speaker A:

What?

Speaker A:

What?

Speaker B:

I know I'm weird.

Speaker B:

Like, I know I'm.

Speaker B:

No, I'm the wrong one here.

Speaker A:

I'm trying to get you.

Speaker A:

I want to get you out, but the way.

Speaker A:

Get you to your happy place, the.

Speaker C:

Way you just worded it was like, oh, you get to do your own thing.

Speaker B:

No, I'm just using it as an example.

Speaker C:

Okay.

Speaker A:

Yeah.

Speaker C:

I don't feel guilt about it, but I'm just saying, like, you're kind of, like, stating, hey, harun, like, you get to do your own thing.

Speaker C:

I don't get to do my.

Speaker B:

No, that's your read.

Speaker B:

Like, I'm just giving you, like, look.

Speaker B:

Like people, I understand.

Speaker B:

People do these things more often.

Speaker B:

More frequently.

Speaker B:

I understand.

Speaker B:

But keep in mind, too, like, all right, listen, let's be cavalier.

Speaker B:

All right?

Speaker B:

Oh, I've had a wild two years in the office.

Speaker A:

It's been crazy wild.

Speaker B:

Untenable by most people's standards.

Speaker A:

Yep.

Speaker B:

Nights, weekends, literally on the phone, in some cases with politicians.

Speaker A:

And for the listeners out there, we wish, we wish we could pierce that veil.

Speaker A:

And I'm not talking about it, but we can't.

Speaker B:

I mean, a lot of it's public and, you know, a lot of people will know, but, I mean, we've had such a difficult time in the economy.

Speaker B:

Oh, yeah, I know it sounds selfish, but on a weekend where I've got opportunity to not think about things, I prefer to do that.

Speaker B:

And unfortunately, over the last two years, seven out of ten times, I'm getting a call on a weekend or at night.

Speaker B:

Just this last weekend, I was in a call with New York at midnight.

Speaker A:

Yeah.

Speaker B:

On a Saturday night, answering questions about financials.

Speaker B:

Yeah, right.

Speaker B:

The last time I went to Disneyland, when things went weird, I was outside the pirates of the Caribbean.

Speaker B:

My wife and son were inside riding the ride, talking to a senator.

Speaker A:

Yeah.

Speaker B:

And I'm trying to do all these things.

Speaker B:

Yeah.

Speaker B:

Like, I get.

Speaker B:

People look at your life, think, oh, it's great.

Speaker B:

You know, you top the food chain.

Speaker B:

Must be amazing.

Speaker B:

And they're like, oh, he comes in the office later, he leaves early.

Speaker B:

It's like, dude, like, you don't understand.

Speaker A:

Like, I'm constantly on, no, you're working all the time.

Speaker B:

So that weekend, time to hang out with you or go to that, that person's thing.

Speaker B:

Go to this person's thing.

Speaker A:

Yeah.

Speaker B:

Like, that's my only downtime.

Speaker B:

Like, that's my only opportunity to try to fit in, like, normal life.

Speaker A:

Yeah.

Speaker A:

Oh, yeah.

Speaker B:

And even then, the odds of me being interrupted are high.

Speaker A:

Yeah.

Speaker A:

The thing is, I don't know, going to some of these events that you're.

Speaker A:

That Odin's talking about, like, I don't know, you gain so much experience because at the end of the day, we all cherish being good fathers.

Speaker B:

Yeah.

Speaker A:

Right?

Speaker A:

I have actually end up having a lot of conversations about fatherhood there at these events.

Speaker A:

And you actually pick up on a lot of cool shit.

Speaker B:

No, I'm not taking away from anybody.

Speaker B:

I get it.

Speaker B:

And look, my dad, you know, get.

Speaker A:

A lot of insight.

Speaker A:

Insight from a lot of different people, different walks of life.

Speaker B:

I know that I'm changed.

Speaker A:

Like, it helps.

Speaker A:

I've had so many conversations where I've gone in not knowing I was gonna be talking about a certain topic, and it completely changes my perspective.

Speaker A:

And I'm like, I feel so much better about a given topic that's going on with the kids, you know?

Speaker A:

And it's like.

Speaker A:

It's like, wow, that was, like, a really refreshing conversation.

Speaker B:

Yeah.

Speaker B:

I mean, I will admit, too, I'm also very.

Speaker B:

As much as I'm.

Speaker B:

I come off extroverted.

Speaker B:

I'm very socially awkward.

Speaker B:

Like, it's.

Speaker B:

It's a practice apathy for me to be in a social setting and be, like, engaged.

Speaker A:

Yeah.

Speaker B:

Okay.

Speaker B:

I've learned to do it and try to be entertaining with it, but the reality is, if it were up to me, I would sit in a room and be quiet and not say a word, literally, the entire time.

Speaker A:

Yeah.

Speaker B:

And I would be totally okay again.

Speaker B:

I know I'm weird.

Speaker B:

No, I know I'm the anomaly.

Speaker A:

It's not that.

Speaker A:

It's not that you're weird.

Speaker A:

I don't even know how we even came up on this whole topic.

Speaker B:

Ruins a terrible human being.

Speaker A:

I'm exposed.

Speaker A:

This episode is going to be called labeled exposed Daddy.

Speaker B:

Labeler.

Speaker A:

Exposed Daddy.

Speaker B:

The problem.

Speaker B:

The problem is, it's funny.

Speaker B:

If you listen to the episode, and this is the problem with a lot of our episodes, like titles, it doesn't tell the listener what the show is about unless they listen to the show and they go, oh, that's what they named it.

Speaker A:

That's why.

Speaker B:

Yeah, yeah, yeah, we got it.

Speaker B:

We got to start getting away from that and start getting.

Speaker B:

Way to just.

Speaker A:

Yeah.

Speaker B:

The clickbait.

Speaker B:

Let me tell you why you should listen to the show.

Speaker B:

It'll make you rich.

Speaker A:

Yeah.

Speaker A:

Get rich now by doing this.

Speaker B:

Yeah.

Speaker B:

No more gurus, please.

Speaker A:

Yeah.

Speaker A:

Yeah, here's why the gurus are wrong.

Speaker B:

You know, we haven't finished the first article yet or an hour into the show.

Speaker A:

Yeah, no, we finished the first article.

Speaker B:

No, I don't get the last paragraph.

Speaker A:

Oh.

Speaker A:

If you're still tuned in, let me.

Speaker B:

Tell you again, while we're right, the increase has a lot.

Speaker B:

I'm really gonna do this.

Speaker B:

The increase that is aligned with the shift in how investors view the Fed's path for future rate cuts, a pivot that started even before the September move.

Speaker B:

The ten year treasury yield, which is the strongest correlation to mortgage rates, has also risen since the rate cut, signaling that investors feel good about the economy and pricing in less easing going forward.

Speaker B:

Effectively saying one really important thing that Chris and said and Arun were right.

Speaker B:

Even though they don't hang out socially outside the show.

Speaker A:

Well, I mean, they want to.

Speaker B:

Just.

Speaker A:

One person's holding back.

Speaker B:

Do they?

Speaker A:

One person's holding back.

Speaker A:

Yeah.

Speaker A:

Yeah.

Speaker C:

My bad.

Speaker B:

So salty back there.

Speaker A:

Yeah, bro.

Speaker A:

Hopefully the people in Florida are gonna be all right, huh?

Speaker B:

Yeah.

Speaker B:

Milton's a problem.

Speaker B:

We have cameras on one of the properties out there, and the storm surge, before it even made contact with shore, was like, 3ft.

Speaker A:

Dude, Milton's going to be a problem.

Speaker A:

And how do you pronounce it?

Speaker A:

Helene?

Speaker A:

It's not Helen.

Speaker B:

Helene.

Speaker A:

It's Helene.

Speaker A:

Yeah.

Speaker A:

Helene was a.

Speaker A:

Was a major problem.

Speaker B:

Still before that, bro.

Speaker A:

Apparently I got it down here because I just.

Speaker A:

I did.

Speaker A:

I was watching a couple of videos on it before the show, which why it ties into a financial literacy podcast is that your homeowners insurance premiums are gonna go through the roof.

Speaker A:

Everybody nationwide.

Speaker A:

Yeah.

Speaker B:

Did you that GEIco stopped covering cybertrucks?

Speaker A:

I did, yeah.

Speaker A:

You told me.

Speaker A:

You probably said it to me earlier today.

Speaker B:

I read it to you, yeah.

Speaker A:

Insane.

Speaker A:

Why, though?

Speaker B:

Just because there's too many claims?

Speaker B:

Too many claims.

Speaker B:

It blows my mind that insurance companies are like, you know what?

Speaker B:

We're paying too much on this.

Speaker B:

We're just gonna stop doing it.

Speaker A:

Yeah, exactly.

Speaker B:

Your whole point is to pay when things go wrong.

Speaker A:

Or it's like this.

Speaker A:

How?

Speaker A:

I'll just raise your premium 20%.

Speaker A:

You'll probably walk away, and then, guess what?

Speaker A:

And some people just do it, right?

Speaker A:

So did you know that Helene spun off 33 tornadoes?

Speaker A:

I did not know that it spun off 33 tornadoes.

Speaker A:

So far, it's caused $30 to $45 billion in damages, estimated to go up to 250 billion.

Speaker A:

That's from core logic.

Speaker B:

All that money we sent to the Ukraine could have gone a lot better places, you know, what?

Speaker B:

I mean, I'm just saying, like, we're sending weapons over to foreign countries when stuff like this is going on.

Speaker B:

And let's kind of just ask the macro question.

Speaker B:

This is going to sound terrible.

Speaker B:

Why do you live in Florida if this hits you three times now in a row?

Speaker A:

Yeah.

Speaker A:

Like, you got, you know it's coming again, right?

Speaker B:

Like, I mean, this happened last year, Irma.

Speaker B:

It was bad.

Speaker B:

And then these two coming through and I get that people will say it doesn't happen all the time, but it does happen.

Speaker A:

I mean, it's happened multiple times in my lifetime.

Speaker B:

And people are like, oh, earthquakes are worse.

Speaker B:

You don't know when they're going to come.

Speaker B:

Yeah, I guess that's.

Speaker C:

That's.

Speaker B:

That's one way to view it, but.

Speaker B:

Damn, dude, water cane.

Speaker A:

I generally sleep through earthquakes.

Speaker A:

But the one that hit, I think, last weekend, I can't remember how big it was, but I woke up from.

Speaker A:

And I was like, even I was shook.

Speaker B:

You woke up from it, huh?

Speaker B:

Daddy, I woke up from.

Speaker A:

I was like, oh, no, Daddy.

Speaker B:

My wife asked me.

Speaker B:

She's like, where's a safe place in our house if we have a bad earthquake?

Speaker B:

And I'm like, outside?

Speaker A:

Yeah.

Speaker B:

There's not one in the house.

Speaker A:

Yeah.

Speaker A:

Under the doorway?

Speaker B:

Yeah, that's what I said.

Speaker B:

That sounds so manufactured.

Speaker A:

I know.

Speaker B:

Like, just pick a doorway.

Speaker B:

Stand underneath.

Speaker B:

You'd be fine.

Speaker A:

One of those?

Speaker B:

Yeah, yeah.

Speaker B:

If the house falls on you, it's fine.

Speaker A:

It's fine.

Speaker A:

You'll be fine.

Speaker B:

You'll be fine.

Speaker B:

Just scream.

Speaker A:

Should we even get into the second article here?

Speaker B:

We had a second one to me.

Speaker A:

No, you kind of touched on it.

Speaker A:

Odin, what?

Speaker A:

Do you.

Speaker A:

Do you have any poppy culture?

Speaker C:

I have a few things.

Speaker C:

Oh, Jesus.

Speaker C:

I just hit my face.

Speaker A:

I just hit my.

Speaker B:

With what?

Speaker A:

Yeah.

Speaker B:

Was it a big round thing?

Speaker C:

Don't want to talk about it, Daddy.

Speaker B:

No one's gonna listen to the show again.

Speaker B:

We're losing subscriptions off this episode.

Speaker A:

Yeah.

Speaker A:

Yeah.

Speaker A:

What is this?

Speaker A:

What we got here?

Speaker A:

This is from the New York Post.

Speaker C:

Talk about a lazy workout, huh?

Speaker C:

You got a fuck?

Speaker C:

What's up top?

Speaker C:

Losing pill right now.

Speaker B:

Tied semi.

Speaker B:

Blue tide.

Speaker C:

Yeah.

Speaker C:

That thing.

Speaker A:

Gop ones?

Speaker C:

Yep.

Speaker C:

Now they have a new thing that they're working on that affects the benefits of exercising.

Speaker C:

So it's as if you're running 10,000 km.

Speaker B:

Whatever.

Speaker A:

Uh huh.

Speaker A:

Wait, what new exercise mimics the effects of running a ten k without effort?

Speaker A:

What is it?

Speaker A:

I.

Speaker A:

Bro, it can't do that.

Speaker B:

What does that even mean?

Speaker A:

What is it gonna speed up your.

Speaker B:

Heart rate so it just makes you tired?

Speaker B:

It's a quaalude.

Speaker A:

Yeah.

Speaker A:

What do you mean?

Speaker A:

Mimics the effects, bro.

Speaker A:

There's so many factors at play here.

Speaker B:

What's the effects?

Speaker B:

Fatigue.

Speaker B:

Yeah.

Speaker A:

You're not building any stamina.

Speaker B:

Can I ask a question about this?

Speaker A:

Some bullshit, bro.

Speaker B:

If you're running and you gotta put bandaids on your nipples, like, why are you doing it?

Speaker A:

Oh, the chafing.

Speaker B:

That's not pleasant.

Speaker C:

Say, didn't you do that?

Speaker A:

No, no, I never.

Speaker A:

I never.

Speaker A:

I never put the band.

Speaker A:

No, I never did.

Speaker A:

No, I did the run.

Speaker A:

I got very close to running a marathon back in the day.

Speaker B:

Oh.

Speaker A:

Tore my lower abdomen.

Speaker A:

How do you, what, 22?

Speaker A:

I got up to, bro, I worked myself up.

Speaker A:

I was training for the La marathon, okay.

Speaker A:

And I gave myself a ten, mind you, someone that was a basketball player that never ran before.

Speaker A:

Ego through the roof.

Speaker B:

I know I could.

Speaker A:

I could run a fucking marathon.

Speaker A:

The fuck?

Speaker A:

It's just running.

Speaker B:

No.

Speaker A:

Okay.

Speaker A:

So I gave myself a ten week window.

Speaker B:

It takes a different kind of mental fortitude, bro.

Speaker A:

A ten week window to prep for the La marathon.

Speaker A:

Week one, I started off at 10 miles.

Speaker A:

I'm just gonna run 10 miles.

Speaker A:

And I did it.

Speaker A:

Okay.

Speaker A:

Build up, build up, build up.

Speaker A:

I worked myself up all the way up to 22 miles.

Speaker A:

I'm two weeks out from the marathon.

Speaker A:

Tore my lower abdomen.

Speaker B:

What is a lower abdomen tear?

Speaker A:

It's almost like a sports hernia.

Speaker A:

Don't point to your sports hernia.

Speaker B:

Sports hernia.

Speaker B:

That we're calling it now.

Speaker A:

That's what it's called medically, yeah.

Speaker A:

What do you mean?

Speaker B:

So?

Speaker B:

Because your ass is so big and it's so lopsided, your boy was.

Speaker A:

I know.

Speaker A:

I know.

Speaker A:

It's hard to believe, but your boy was lean.

Speaker B:

Come on.

Speaker B:

Meow.

Speaker A:

Yeah.

Speaker A:

Terrible.

Speaker A:

I wish I never did it.

Speaker A:

God, I regretted every bit of it.

Speaker B:

Do what?

Speaker B:

Training for marathon.

Speaker A:

Yeah.

Speaker B:

I trained for a tough mudder and did it.

Speaker A:

I ate the same, bro.

Speaker B:

Dude, you know what it's like getting out of one of those things?

Speaker B:

And there's like.

Speaker A:

I've seen a lot of thick people.

Speaker B:

Finished dirt coming out of theirs.

Speaker B:

Yeah, there's a lot of thick people there.

Speaker A:

And, like, you, I've heard from multiple sources that it's like, you think it's like people are out there grinding, and it's like, some people are out there literally just having a good time.

Speaker B:

Oh, yeah.

Speaker B:

I wasn't one of them.

Speaker B:

I was literally.

Speaker B:

I was militant about it.

Speaker B:

Yeah, I was like, we're going, bro.

Speaker B:

Some people just walk in, just chilling, talking their friends.

Speaker B:

You want to jump off this into that?

Speaker A:

Yeah, sure.

Speaker B:

Okay.

Speaker B:

I mean, it's very lackadaisical.

Speaker C:

Yeah.

Speaker C:

So this pills, nothing.

Speaker C:

It's stupid.

Speaker A:

Yeah, that's.

Speaker A:

God, people just won't want anything to, like, not do the work.

Speaker C:

Literally the first line.

Speaker C:

Talk about lazy workout.

Speaker B:

I don't.

Speaker B:

I fully don't.

Speaker B:

Yeah.

Speaker A:

Yeah.

Speaker C:

All right, chris, you shared this one with me earlier this week.

Speaker B:

What is this?

Speaker A:

It all makes sense now.

Speaker A:

Why Denzel was.

Speaker B:

Oh, yeah, dude, ignore.

Speaker C:

We have to talk about the p.

Speaker C:

Diddy stuff.

Speaker B:

So in this clip, Denzel Washington.

Speaker A:

There a sparks game.

Speaker B:

So Jay Z walks over to him.

Speaker C:

This is a year ago.

Speaker B:

So Jay Z's trying to talk to him.

Speaker B:

Any deed, nor's them.

Speaker B:

Then he pushes him off.

Speaker A:

What is this?

Speaker B:

So you push them off.

Speaker A:

He's joking with him, though.

Speaker A:

That's got to be a joke, right?

Speaker B:

But the thing turns around, the backstory here is, is that it came out in the press that Denzel and his wife were at a diddy party.

Speaker B:

A classic ditty party, right?

Speaker B:

Which.

Speaker A:

Classic.

Speaker B:

I don't know what that means.

Speaker A:

After hours, before hours.

Speaker B:

I don't know if he was in a separate room.

Speaker A:

Okay.

Speaker B:

But allegedly, there was a big altercation which resulted in him yelling.

Speaker B:

Denzel Washington yelling at Diddy, saying, like, you don't respect nobody.

Speaker B:

And I'm sure there was some expletives in there.

Speaker C:

I thought, you're gonna use his voice.

Speaker A:

You ain't gonna do the King Kong ain't got shit on me.

Speaker B:

No.

Speaker B:

Every time I do an accent on the show of any type, you guys call me a racist.

Speaker B:

Like, it doesn't matter what it is.

Speaker A:

No Denzel accent, that's totally fine.

Speaker B:

Denzel's okay.

Speaker B:

But anytime I do a Pakistani, it's offensive.

Speaker A:

No, you're.

Speaker A:

When you make it.

Speaker A:

Hold on.

Speaker A:

I've gone down the rabbit hole with this.

Speaker A:

Okay?

Speaker B:

Is that a euphemism for something else?

Speaker A:

When you.

Speaker A:

When you use the accent, when the punchline is the accent, like, that's why it's funny.

Speaker A:

That's racist.

Speaker A:

You can't do that.

Speaker B:

But what if the accent's just part of the whole dial?

Speaker A:

Hold on.

Speaker A:

Not to me.

Speaker A:

I'm saying to cancel culture.

Speaker A:

To me, it's all funny.

Speaker A:

Everything.

Speaker B:

Is cancel culture still happening?

Speaker A:

I hope not.

Speaker A:

But if you're doing an impersonation about a specific person, that's always okay.

Speaker B:

So if I said, this is my Denzel Washington impression, that's not true.

Speaker A:

I feel like you can't do a Jackie Chan.

Speaker B:

Yeah.

Speaker A:

You can't do Jackie Chan accent.

Speaker B:

Not only that, but, like, if you're Disney, you can't hire, like, a white guy doing an african american cartoon character's accent anymore.

Speaker A:

Yeah, that's.

Speaker A:

It's a very sensitive topic.

Speaker B:

You can't hire, like, a non asian person to do an asian cartoon character's, like, voice overwork.

Speaker A:

Yeah.

Speaker B:

Because they do, like, Moana.

Speaker B:

They have to go find a Pacific Islander female to be Moana's voice.

Speaker A:

Moana, too, right?

Speaker B:

Yeah.

Speaker B:

Well, I mean, in the first one.

Speaker B:

But ultimately, you're doing that.

Speaker B:

They want somebody who's what you like.

Speaker A:

I mean, look, I kind of get that.

Speaker A:

Why can't you tell me you can't find somebody, right.

Speaker B:

I mean, that's the art.

Speaker B:

Look, if voice sounds good, a voice sounds good.

Speaker B:

Right.

Speaker B:

Like.

Speaker A:

Right.

Speaker B:

People want the authenticity, though, I guess, you know?

Speaker A:

I guess, yeah.

Speaker B:

Unsolved killing a tupac shakur.

Speaker A:

Unsolved killing of Tupac Shakur.

Speaker A:

Return to the headlines.

Speaker C:

Yep.

Speaker C:

So Tupac's family has hired Alec.

Speaker C:

I know.

Speaker B:

It's an attorney, right?

Speaker C:

Yeah.

Speaker A:

An attorney that represents Alex Burrow.

Speaker A:

Okay.

Speaker C:

Yeah.

Speaker C:

To investigate the.

Speaker C:

The murder and see what's going on.

Speaker B:

He's, I don't know, an attorney who was Alex Spiro, celeb lawyer who?

Speaker B:

Rep.

Speaker B:

Jay Z, handling Eric Adams case.

Speaker B:

There you go.

Speaker B:

You knew he represented Jay Z?

Speaker A:

I know.

Speaker A:

My Rockefeller stuff.

Speaker B:

Yeah.

Speaker B:

So you want to hear one of the only conspiracy theories about Diddy that I find to be very plausible.

Speaker A:

Ooh, let's put the tinfoil hats on.

Speaker B:

Yeah.

Speaker B:

There is a clip of tupac auditioning in Hollywood for a role.

Speaker B:

I would say he's probably in his late teens, early twenties.

Speaker A:

I've seen this.

Speaker A:

And it was auditioning.

Speaker A:

Right.

Speaker B:

He was auditioning for a role, I.

Speaker A:

Think candy sorens most of this.

Speaker B:

He was exceedingly flamboyant in a way that did not fit his thug gangster personality that he was portraying.

Speaker A:

Yeah.

Speaker B:

Which I look at and go, okay, he's really into the arts.

Speaker B:

He was into acting.

Speaker B:

Was this who he really was?

Speaker A:

Yeah.

Speaker A:

I mean, part of it could also be, like, you adopt a certain lifestyle, and then that just becomes who you are.

Speaker B:

Well, follow me down the rabbit hole here.

Speaker B:

Right.

Speaker B:

If you were this flamboyant, outgoing, happy young person who turned into this thug.

Speaker B:

Okay, cool.

Speaker A:

Think he also did ballet.

Speaker B:

Yeah, that's out there.

Speaker B:

Jada Pinkett Smith was really tight with you, but Will was not intimidated by the relationship.

Speaker A:

That's also there.

Speaker B:

That's also there.

Speaker B:

She said, I love Tupac, and Will's okay with her saying this to everybody?

Speaker B:

Like, we were.

Speaker B:

We had a relationship on a different level.

Speaker B:

Maybe will's like.

Speaker B:

Cause he was gay.

Speaker A:

I'm not touching this.

Speaker B:

And then at the same time, like, diddy and him were rumored to be.

Speaker A:

This is bad for the culture, bro.

Speaker B:

I know, I know.

Speaker B:

It's.

Speaker B:

It changes the dynamic.

Speaker A:

Yeah.

Speaker B:

But if you look at everything in context, you look at, like, diddy and him had, like, a close relationship, and then something went south.

Speaker B:

The rumor is, is one of them called off their relationship, and that's where the beef started to come from, because they didn't.

Speaker A:

About Diddy's birthday, right?

Speaker B:

Yeah.

Speaker B:

At his birthday party, Tupac allegedly broke.

Speaker A:

Up with Diddy or ignored him or something.

Speaker B:

No, no, they had.

Speaker B:

They had split up, or they.

Speaker B:

They said he was done with whatever it was at Diddy's party, and did.

Speaker B:

He got all upset about it, and that's where the beef started.

Speaker A:

Oh, my gosh.

Speaker B:

Yeah, it's all.

Speaker B:

It's a.

Speaker B:

Yeah.

Speaker B:

Do you call them free cops now?

Speaker A:

I cannot wait for this.

Speaker B:

Nope.

Speaker A:

What do you mean?

Speaker C:

Came out?

Speaker A:

Really?

Speaker A:

I can't.

Speaker A:

I'm saying I cannot wait to watch it myself.

Speaker C:

No.

Speaker B:

Why?

Speaker B:

It's a musical, dude.

Speaker A:

I'm all for it.

Speaker B:

Still, Joker part due is one of the worst rated.

Speaker B:

You saw it, huh?

Speaker A:

You saw it?

Speaker B:

Dude, it was a social media trend of people going on social media expressing how pissed off they were watching it.

Speaker A:

Oh, no.

Speaker B:

It is tragically bad.

Speaker B:

I have not seen it.

Speaker B:

I have no desire to see it.

Speaker A:

I don't want to kill if it's going to ruin the first one for me, then maybe I shouldn't watch it.

Speaker B:

Multiple people have said it.

Speaker B:

Absolutely.

Speaker A:

You saw it over.

Speaker C:

I have not.

Speaker C:

No.

Speaker A:

God damn it.

Speaker C:

I have friends that walked out of it.

Speaker A:

He's my favorite.

Speaker A:

Joker.

Speaker B:

It's a musical with the same song over and over again.

Speaker C:

Oh, really?

Speaker A:

Oh, it's kind of creepy vibes like that.

Speaker B:

It's.

Speaker B:

It's a weird thing, dude.

Speaker A:

And that's what Lady Gaga.

Speaker B:

Lady Gaga's casting now makes sense because it's musical.

Speaker A:

Yeah.

Speaker A:

So disappointed.

Speaker C:

Yeah.

Speaker B:

There.

Speaker B:

There's literally videos on social media.

Speaker B:

People walking out going, you understand?

Speaker B:

What?

Speaker A:

Literally spent the last six months trying to convince my wife to watch the first one.

Speaker A:

She's like, I don't want to scare myself.

Speaker A:

I don't scare myself.

Speaker A:

It's.

Speaker B:

It looks fantastic.

Speaker A:

Yeah, that.

Speaker A:

I was like.

Speaker A:

I'm like, just watch it for the art, like, of acting.

Speaker A:

Just watch her for that.

Speaker A:

And finally got her to do it, so I was like, you need to watch that so you and I can both go together to watch this.

Speaker B:

You should go watch it.

Speaker B:

I heard it's great.

Speaker A:

It's great.

Speaker C:

Like good friend, right?

Speaker A:

It's great.

Speaker A:

Like bad boys.

Speaker B:

Yeah.

Speaker B:

How's the family doing?

Speaker B:

Side?

Speaker A:

Yeah, my family's doing wonderful, man.

Speaker A:

Adam had an amazing parent teacher conference today.

Speaker A:

That was awesome.

Speaker A:

Aria had a great field trip.

Speaker A:

She's killing her spelling tests.

Speaker B:

That's great.

Speaker A:

What is this?

Speaker A:

Oh, I've seen these.

Speaker C:

Chris, I want you to get me these.

Speaker B:

What the I fuck is that?

Speaker A:

It's like.

Speaker A:

Oh, it's like a mock up of the fours.

Speaker A:

They call them the Jordan Four.

Speaker A:

Rm.

Speaker A:

Yeah, rm.

Speaker A:

So they got a black.

Speaker A:

They got a black and white one.

Speaker A:

That's actually not bad.

Speaker C:

Please.

Speaker C:

They got the little slashes.

Speaker A:

Relax, brother.

Speaker A:

Top one.

Speaker A:

The shame on you for not knowing the top one.

Speaker A:

No, go up the one.

Speaker A:

Go up above that one.

Speaker A:

That top ones.

Speaker A:

A Kobe.

Speaker B:

Yeah.

Speaker B:

Why are they comparing the two of them?

Speaker A:

I don't know why they're comparing the two of them.

Speaker B:

Spirit of Bruce Lee.

Speaker B:

Oh, they're doing the blocking.

Speaker B:

Okay.

Speaker B:

You should have started the Bruce Lee.

Speaker A:

So Adam has been training really, really, really hard for basketball.

Speaker A:

Okay.

Speaker B:

Yeah.

Speaker B:

Overwhelming dad story.

Speaker A:

Great.

Speaker A:

No, I'm just telling a story about Adam.

Speaker B:

It all kind of goes back to you being an amazing dad, so.

Speaker A:

And all he's asked.

Speaker A:

So he's, like, knee deep in the stuff now.

Speaker A:

Like, he's in, like, good.

Speaker A:

I mean, yeah, he.

Speaker A:

I'm glad he found something, right?

Speaker A:

Yeah, he enjoys.

Speaker A:

But we took the season off because basketball now is not like what you and I did back in the day.

Speaker A:

I mean, I don't know if you were like me, but I had nine games for the full year after it was done.

Speaker A:

Wait till next year for another nine games.

Speaker A:

Okay.

Speaker B:

Oh, no.

Speaker B:

I had, like, a you teams and all that stuff at age eight.

Speaker B:

No, I didn't play basketball.

Speaker B:

I didn't start playing basketball till I was, like, 15.

Speaker A:

Okay.

Speaker A:

So, like, these kids now, they have season.

Speaker A:

Even the rec leagues are year round.

Speaker A:

Not just AAU, just the rec leagues.

Speaker A:

So there's, you know, fall season, winter season, spring, some two summer seasons.

Speaker A:

So he hasn't missed a season since he started playing.

Speaker A:

But I told him, I was like, hey, let's take fall off.

Speaker A:

We won't get you on a team, and we'll just train for the next three, four months, and we'll see where you end up, and maybe we'll land you, like, on another team.

Speaker A:

So I can, like, stop coaching, right?

Speaker A:

And I can just sit back and enjoy him, because when I'm coaching the games, I don't get to enjoy him.

Speaker A:

I want to enjoy him.

Speaker B:

This might be another.

Speaker B:

Chris is a weird person.

Speaker B:

I have zero desire to coach my kids, my kidney.

Speaker B:

I don't want to coach anything.

Speaker A:

I don't.

Speaker A:

I didn't either.

Speaker A:

I put him on a team, and then the guy going out there literally had no idea what he was doing.

Speaker A:

And I'm not.

Speaker A:

I'm not just being, like, backseat driver.

Speaker A:

I'm saying practice consisted of ten kids getting together.

Speaker A:

He rolled the ball out.

Speaker A:

Have fun.

Speaker A:

And I was like, you're not going to teach them anything.

Speaker A:

Nothing.

Speaker A:

So then he's never going to get better, right?

Speaker A:

I'm like, okay, then I can't do this.

Speaker A:

I can't just sit back and have you, like, you say you want to be good, and then I just throw you on a trash team.

Speaker A:

I'll have to at least coach you for a year or two.

Speaker A:

And in the beginning, it was a little rough, but now, as it's, like, getting closer to the end, I'm realizing, like, oh, man, this might be my last season, like, coaching him.

Speaker A:

I should cherish this, you know, because this will be it from, like, after once he officially gets, like, on some, like, club team, like, that'll never come back again.

Speaker A:

I'll never coach him again.

Speaker A:

But we'll train together anyways.

Speaker A:

We're training really hard, and he wants to get on, like, a club team.

Speaker A:

And now he's like, dad, if I make.

Speaker A:

If I make this club team, can you give me some Coby's?

Speaker A:

Coby's are expensive, bro.

Speaker A:

They.

Speaker A:

They don't just sell them anymore.

Speaker A:

You got to, like, you got to pay top dollar for mike on, like, the next generation.

Speaker B:

Jordan.

Speaker A:

All the kids wear Kobe's when they play.

Speaker A:

Yeah.

Speaker A:

Like, Jordan is, like, for, like, fashion stuff, right?

Speaker A:

If you wear them, like, out and about.

Speaker A:

But the kids all play.

Speaker A:

All want to play in Kobe's.

Speaker B:

I don't know what basketball shoes I would wear right now if I was playing Kobe's.

Speaker A:

Nah, I'm saying that that's the one.

Speaker A:

Like, if you want to be the one, that's the one.

Speaker B:

I don't want to be the one anymore.

Speaker A:

I always want to be the one.

Speaker B:

I want to be the old guy.

Speaker A:

I'm him.

Speaker A:

That's the new thing these kids are saying.

Speaker B:

That's your daddy.

Speaker A:

Have you heard them?

Speaker A:

Say that.

Speaker B:

What?

Speaker B:

I'm him.

Speaker A:

I'm him.

Speaker B:

Yeah.

Speaker A:

My son says he walks around the house, I'm him.

Speaker A:

I'm like, you're not.

Speaker A:

You're so far from it.

Speaker A:

You're not.

Speaker B:

I don't even know what that really fully means.

Speaker C:

We played uno the other weekend, and he's like, I'm him.

Speaker C:

I'm like, you haven't even won yet.

Speaker A:

And then he doubles down, he goes, my name's Himothy.

Speaker B:

That's pretty funny, bro.

Speaker A:

I'm not gonna lie.

Speaker A:

He caught me so off guard.

Speaker A:

He's like, I'll be like, I'm him.

Speaker A:

I'm like, no, you're not.

Speaker A:

He's like, yes, I am.

Speaker A:

I'm him.

Speaker B:

Poor bastard out there whose actual name is Himothy.

Speaker A:

Oh, shit.

Speaker A:

Yeah.

Speaker A:

So anyways, he wants some Kobe's.

Speaker A:

Anyone that wants to hook him up.

Speaker B:

Let me know what size you wear.

Speaker A:

He's.

Speaker A:

He's a four now.

Speaker B:

A man.

Speaker B:

Men's four.

Speaker A:

A men's four.

Speaker B:

I can give some coke.

Speaker A:

All right.

Speaker C:

Last one is a hot take.

Speaker C:

So one of Marcel's cousins came over the other day, and she's dating.

Speaker C:

Trying to find someone.

Speaker C:

Find a life partner, you know?

Speaker C:

Yeah, exactly.

Speaker C:

She's a doctor, so she has higher standards.

Speaker C:

Right.

Speaker B:

So she like the five star review?

Speaker A:

Yeah.

Speaker A:

Plug it.

Speaker C:

She actually has.

Speaker B:

Okay, we can help her.

Speaker C:

I got on her phone and did it.

Speaker C:

So she was talking some guy for a few weeks via text and stuff and phone calls, and then they finally met up for dinner.

Speaker C:

He shows up in skinny jeans, and she straight up said, no skin like this.

Speaker A:

Like, tight.

Speaker C:

Not like this.

Speaker C:

Just kind of like.

Speaker C:

Like.

Speaker C:

Yeah, I get it.

Speaker C:

Chris looks at his pants.

Speaker A:

That's skinny jeans.

Speaker C:

But, like, you know what I mean?

Speaker C:

Like, slim Fitzhe jeans.

Speaker A:

Right.

Speaker B:

So you really can't wear them anymore unless the fit is spot on.

Speaker A:

Yeah.

Speaker B:

If you're, like, a rocker and you wear skinny jeans, like, you could probably.

Speaker A:

Pull it off if that's your look.

Speaker A:

But, like, if you're wearing skinny jeans, but you could wear, like, a baggier top, maybe that's a no go.

Speaker A:

Yeah, big.

Speaker B:

Big pants are in right now.

Speaker B:

Like, big, oversized.

Speaker C:

Oh, yeah, nineties.

Speaker C:

Nineties is bad.

Speaker B:

Yeah, it's.

Speaker A:

I never got into the skinny jean movement.

Speaker B:

Like, can you talk about why they didn't.

Speaker A:

They didn't make them that size, bro.

Speaker B:

You pear shaped, bro.

Speaker A:

I know.

Speaker A:

No, I did.

Speaker A:

I mean, I was.

Speaker A:

I was wearing regular cut, and I turned regular cut into skinny jeans.

Speaker B:

You couldn't find booties big enough oh, poor guy.

Speaker B:

I was tight enough.

Speaker C:

I worked at Zara and I was like, say, come on, man, I can fit him, bro.

Speaker C:

Poor guy came, I gave him the.

Speaker A:

I gave him everything during my lean days, bro.

Speaker A:

When I was lean, I still couldn't fit into that shit.

Speaker B:

You're too rotund for Zara.

Speaker A:

Not rotund, bro.

Speaker B:

Luptuous.

Speaker B:

You're too voluptuous.

Speaker A:

I got muscles, bro.

Speaker A:

I got, I got quadrupeds.

Speaker A:

I got a teardrop in my quadriceps.

Speaker B:

I don't want to know that.

Speaker B:

Yeah, give me teardrop right now.

Speaker C:

Are you wearing baggy clothes now, Chris?

Speaker B:

Well, I can't wear baggy clothes.

Speaker B:

The office.

Speaker B:

I mean, keep in mind I'm wearing like suits most of the time.

Speaker B:

Yeah.

Speaker C:

Why don't you wear those baggy suits from the nineties?

Speaker B:

I do have.

Speaker B:

I have some Lonvin suits that are pretty big, actually, that have like a small waist that are kind of big like that.

Speaker B:

Those are actually:

Speaker B:

Yeah, double pleats.

Speaker B:

Yeah, I have some of those, but I don't typically wear them that often.

Speaker B:

I feel like you can't wear statement pieces like that in the office without people, like, just judging you and like, conclusions.

Speaker B:

And I just try to keep the focus on, like, the work.

Speaker B:

So I try to dress well, but I don't.

Speaker B:

Whatever.

Speaker B:

But I do wear baggy clothes on weekends, though.

Speaker B:

Like super baggy.

Speaker A:

Moral comfort.

Speaker A:

Do you ever see.

Speaker B:

I would know, cuz you don't see.

Speaker A:

Me the weekends back, so, I mean, back in the day when people used to go out, used to wear suits when they would go out.

Speaker B:

I used to all the time.

Speaker A:

Not you.

Speaker A:

I'm talking about like in the twenties, let's say.

Speaker B:

Okay, okay, I'm not that old, but all right.

Speaker A:

Yeah.

Speaker A:

Are you following me?

Speaker A:

And then like, jeans became a staple, right?

Speaker B:

So versatile.

Speaker A:

So versatile.

Speaker A:

I mean, you could dress them up, you could dress them down, you could wear my sports coats, you could literally wear my t shirt, whatever, right?

Speaker A:

Do you ever see, you see in the next 50 years, just jeans just going away?

Speaker B:

No, no, there was already.

Speaker A:

I see athleisure where really like taking over, man.

Speaker B:

That's because laziness, it's as easy.

Speaker B:

It's got a.

Speaker A:

First of all, no, no, I think it's a comfort thing too.

Speaker B:

It's a comfort thing.

Speaker A:

But denim jeans.

Speaker A:

Not comfortable, bro.

Speaker B:

Denim jeans, if you wear them, if you wear them in right.

Speaker B:

They feel like second skin, man.

Speaker B:

Like, you got to have, like really, you'll.

Speaker B:

I don't know if you've ever noticed this.

Speaker B:

Like, the jeans I wear to the office, they're the same pair every single day, okay?

Speaker B:

Like, I always wear the same ones.

Speaker B:

The reason why is I'm trying to wear them in to where they fit more.

Speaker B:

And then once, like, they fit me, like, right.

Speaker B:

And they're comfortable.

Speaker B:

Like, they just feel fantastic.

Speaker B:

Like, when you first get a pair of jeans, especially salvaged denim, you have to really.

Speaker B:

Those have to adapt to your body, and it takes, it takes like a.

Speaker A:

Year or see, that's.

Speaker A:

That's the.

Speaker A:

And that's the whole point.

Speaker A:

Like, who wants to spend a year adapting some jeans straight to athleisure wear?

Speaker B:

There's tricks.

Speaker B:

You can.

Speaker B:

You can literally wear them, get into a bathtub with, like, cooler water and with them on and, like, move around with them and then let them hang dry.

Speaker A:

So the guy that doesn't want to waste any time, I don't do that.

Speaker B:

I'm just saying that there's trick.

Speaker B:

I don't buy a selfish, dumb anymore because I don't want to do all this shit.

Speaker B:

Yeah, I'll buy, like, you know, worn in stuff.

Speaker C:

How often do you wash your jeans?

Speaker B:

I don't wash my jeans.

Speaker A:

You're not supposed to wash your jeans.

Speaker A:

Yeah, CEO Levi even said that.

Speaker B:

Yeah, I don't wash my jeans.

Speaker B:

I.

Speaker B:

If I really feel like they're getting dirty, I will wash them and, like, hang dry them, but that's probably like once a year, maybe twice a year.

Speaker A:

Yeah, I might take them to the dry cleaners.

Speaker B:

Yeah, I don't do dry cleaning either.

Speaker A:

No, no dry cleaning.

Speaker B:

Too many chemicals.

Speaker B:

Yeah, no, no dry cleaning.

Speaker A:

Zero dry cleaning.

Speaker A:

I even know your dress shirts.

Speaker A:

Nothing.

Speaker B:

No wash.

Speaker B:

I put him out.

Speaker C:

He has to go talk to people.

Speaker C:

Drop it off.

Speaker B:

More like go a place, but not really talk to people.

Speaker B:

Look, I know you got beef.

Speaker A:

See, he's coming out swinging, bro.

Speaker B:

I know you're a little angry.

Speaker A:

This is that 50 cent p.

Speaker A:

Diddy beef ruin.

Speaker B:

I've only got one thing to say to you.

Speaker B:

How's the family?

Speaker A:

How's the family, bro?

Speaker B:

Douglas.

Speaker C:

No, fuck you.

Speaker B:

Seems appropriate.

Speaker A:

It's appropriate.

Speaker A:

Yeah.

Speaker C:

So you go ahead, hit him with the, like, subscribe.

Speaker A:

Oh, okay.

Speaker B:

I like micromanaging.

Speaker A:

I love telling you.

Speaker B:

Doesn't take time, chapters anymore.

Speaker B:

All sudden he's got all the time, the world talk shit and tell you what to do.

Speaker A:

If you're listening to the show on Apple or Spotify, please head over, leave us an honest five star review.

Speaker A:

I mean, shit, you stuck around for.

Speaker B:

An hour and 21 minutes of us talking about nothing.

Speaker A:

Yeah.

Speaker B:

Make sure one article.

Speaker A:

It does a lot for the show.

Speaker A:

We really, really enjoy it.

Speaker A:

If you're watching us over on YouTube, please make sure you subscribe.

Speaker A:

Ring that notification bell.

Speaker A:

Hit that, like, button.

Speaker A:

Let's get this video out to as many people as possible.

Speaker A:

Do all the moist, goody good, nasty stuff.

Speaker A:

Nasty sassafras.

Speaker A:

That you.

Speaker A:

You included a new word.

Speaker B:

I did not.

Speaker A:

Nasty sassafras.

Speaker B:

Everybody's always told me it's been nasty.

Speaker A:

Yeah.

Speaker A:

All right.

Speaker A:

We appreciate y'all.

Speaker B:

It'd be a great marijuana strain.

Speaker B:

Name a nasty.

Speaker B:

Sassafras.

Speaker A:

The nasty.

Speaker A:

Yeah.

Speaker A:

All right, man.

Speaker A:

Oh, dude, you got anything?

Speaker C:

No, Daddy.

Speaker A:

No, Daddy.

Speaker A:

Christopher?

Speaker B:

No, Daddy.

Speaker B:

I'm good.

Speaker A:

Good night, Daddy.

Show artwork for The Higher Standard

About the Podcast

The Higher Standard
This isn’t a different standard, it’s the higher standard.
Welcome to the Higher Standard Podcast, where we give you ultra-premium, unfiltered truth when it comes to building your wealth and curating the lifestyle of your dreams. Your hosts; Chris Naghibi and Saied Omar here to help you distill the immense amount of information and disinformation out there on the interwebs and give you the opportunity to choose a higher standard for yourself. Sit back, relax your mind and get ready for a different kind of podcast where we elevate your baseline with crispy high-resolution audio. This isn't a different standard. It's the higher standard.

About your host

Profile picture for Christopher Naghibi

Christopher Naghibi

Christopher M. Naghibi is the host and founder of The Higher Standard podcast — a rapidly growing media platform delivering unfiltered financial literacy, real-world entrepreneurship lessons and economic commentary for the modern era.

After nearly two decades in banking, including his most recent role as Executive Vice President and Chief Operating Officer of First Foundation Bank (NYSE: FFWM), Christopher stepped away from corporate life to build a brand rooted in truth, transparency, and modern money insights. While at First Foundation, he had executive oversight of credit, product development, depository services, retail banking, loan servicing, and commercial operations. His leadership helped scale the bank’s presence in multiple national markets from $0 to over $13 billion.

Christopher is a licensed attorney, real estate broker, and general building contractor (Class B), and he brings a rare blend of legal, operational and real estate expertise to everything he does. His early career spanned diverse lending platforms, including multifamily, commercial, private banking, and middle market lending — holding key roles at Impac Commercial Capital Corporation, U.S. Financial Services & Residential Realty, and First Fidelity Funding.

In addition to his media work, Christopher is the CEO of Black Crown Inc. and Black Crown Law APC, which oversee his private holdings and legal affairs.

He holds a Juris Doctorate from Trinity Law School, an MBA from American Heritage University, and two bachelor degrees. He is also a graduate of the Yale School of Management’s Global Executive Leadership Program.

A published author and sought-after speaker (unless it’s his son’s birthday), Christopher continues to advocate for financial empowerment. He’s worked pro bono with families in need, helped craft affordable housing programs through Habitat for Humanity, and was a founding board member of She Built This City — helping spark interest in construction and trades for women of all ages.