Financial Advisors React to Actually Hilarious Money Clips

Actually hilarious videos. Last time we did a hilarious video, they set a trap for us. The team laid the pine straw on the ground and we fell right in. Let's see if we do it again. I am so excited, Brian, to see what they put together for us today. I don't know who needs to hear this. It's George. Why do you bank on financials and freaking trolley markets with poshie instead of just building wealth the right way, investing in good stock, mutual funds, and interest rates? It's not investing. It's game design gambling, okay? Somebody check George's heart rate. Stupidity. He's getting red. I really wish that Whitney would have been off to the side with her phone, filming George actually doing this. Could you imagine how hilarious it would have been to see him recording this video? I'm just hoping the team doesn't ask us to kind of recreate this. George is a happy-go-lucky fun type of guy, and that guy right there, that's almost like Jack Nicholson and Mishani. Here's Georgie. George, you look a little unhinged. I think that George's anger is well-placed because we see so many people, hey, just so you know, guys, sports betting now, it's not gambling anymore. It's investing, arbitrage, investing, arbitrage, plays, poly market. No, those are still speculative. They're still gambling. They are not investing. Those two are not equal. And when people, especially young people today, try to justify those as being the same thing, they are just flat out wrong. I do get excited, though, because we went through a whole season where we were doing props on about every show we recorded. Maybe the team will show that or not. Happy Halloween! Oh, boy. George is only one degree of separation from props, so maybe it's going to make a comeback, and we can pull out the Batman and Robin. We can pull out the accountant hats. We can pull out the Mario costumes. I mean, when I was Dragon Slayer. That would be hilarious. You know, Jon Snow. No, okay, never mind. Why are we giving seniors discounts? They have all the money. I went to a Golden Corral with my mom and dad. I love Golden Corral. They're 65 plus. They got 20% off. These people have seven investment properties. They don't need that. They're loaded. Kids eat for free. See, that makes sense to me. You were just born. You don't have any money. You're stupid. You don't eat a lot anyway. I get that, but then all of a sudden you turn 12, and you're paying full price. Where's the justice in that? It should taper off. Middle age should have the discounts, and it gets lower and lower until you turn 65, and you pay full price. You're in the end game now. You should have figured out money by now. See, I disagree. I don't think that it should be middle age that gets the discounts. I think it should be the young folks. I think the folks just coming out, instead of getting the senior citizen discount, you ought to get like the Gen Z discount. I keep trying to convince my family. Every time we're down in Florida, we drive right past on the way to the parks a Golden Corral, and I'm like, we could do a breakfast buffet, and it would crush, and I can't get anybody to sign up. You know, this is the problem. You grow up in my household. Every birthday was at Ryan's or Golden Corral, and somehow we get into adulthood, and your family just doesn't have the same love for it. I just wonder if that's a nostalgia thing, because I remember being a little kid, thinking Chuck E. Cheese had been the greatest thing in the world to ever get to go to, but as an adult, the one time that I went to Chuck E. Cheese as an adult, it was not the same as I remembered. I wonder if Golden Corral would be the same for you. When you and I lived in Georgia together, how many all-you-can-eat buffets did we crush? A lot, a whole lot, but- I mean, there was that Asian buffet that we used to go to that had all the expired Little Debbie cakes that they would set up rolls, and they'd make a little pyramid out of them. So don't sleep on the all-you-can-eat buffets. Hold up, I have something for you to react to. Are you ready? The last time we did a hilarious React video, you guys got really held up. It was this guy side hustling. He was selling snacks out of his backpack. At one point, he was pouring something into a bag of spicy, hot Cheetos. Were there people that were like pouring Mountain Dew or pouring some sort of drink into the Cheetos? Did you see that? Was that a thing? I saw that, but I think the top might've been on there. So today, the content team has decided- Oh my gosh. That we are going to react to limes in spicy, hot Cheetos. I saw somebody in the comments said this was gonna change my life. I don't even like hot Cheetos without lime juice. How much- Tom Cruise shaking it up right here, cocktail style. Is that a cocktail reference? Oh yeah, that's cocktail. I have hair juices. Tom Cruise looks at my hair and goes, yeah, he's got it too. Our team doesn't get that reference, our audience. Okay, so admittedly, I don't know how much you put on this, but we're going to, I guess dealer's choice. You get to decide how much is too much. Why'd you put so much on the desk? Are we shaking it up? What are you gonna wipe your hand on? You don't have a napkin. Oh God, I forgot about the Cheeto dust. Oh no, oh no. Okay, we're good, we're good. Are we doing this together? He's licking his paws off. Let's make something happen here. All right, I'm gonna taste it when you guys do. We'll all do it together. You got some too? Yes, you were really hung up on this. I did re-watch that video. Are you a Cheeto fan? Do you like Red Hot? My family loves this stuff, by the way. Red Hot? Debatable. Okay, ready? I'm gonna taste it. Flamin' hot. Oh, I'm not hating that. By the way, I do not need this if you saw my cholesterol. Oh, I'm gonna have the whole- This is what people were buying out of a backpack? I feel like we're running an ASMR show now. This is a very mid snack. I agree. Why are you so bougie? I know how poor you were growing up, and so you don't get to act like this is mid. Look, give me a- You know what? Are you gonna go the other way and be like, you know what? We need some pork rinds. No, give me an oatmeal cream pie. Give me a Swiss cake roll. You know, give me one of those. But this, this is not doing it for me. Yeah. Now, this is gonna hurt me in a little bit, but I'm enjoying it right now. You're gonna eat the whole thing, aren't you? It's pretty good. Yeah, I will say I'm saying it's not good. This might make a run for Doritos. I love some Doritos. You take me to the beach. We go to the grocery store. I'm buying a bag of Doritos. I might consider this now. There's a bunch of red lime juice in here now. I don't know if I have enough lime juice on mine. You gotta shake it up too. I'm not doing that part. I'm not licking my palms on camera. I wash my hands at some point. I felt like, by the way, Ruby came running through the room like she was the Kool-Aid. One to 10, what would you rate this snack? I'm gonna give this a solid... Oh, come on. Seven. Four. Seven to eight. Seven? I was gonna go five. If I had this at the house and it was readily available, I'd probably look for another snack. Yeah. I ate most of mine. I went down the breathe hole. Remember that time that you... Oh, man. Remember that time you dumped lime juice all over the desk when you were trying to put it inside your Cheetos? I actually thought that was gonna be genius for, you know, like, shaking up a salad. It was not genius. Nobody ever accused me of being a genius. I just put geniuses around me. Back in high school, when Mr. Morrow told me that saving $100 a month could turn me into a millionaire one day, that moment literally changed my money story forever. The numbers showed me what was truly possible. Yeah, it's funny how motivating numbers can be to financial mutants, which I think is why our audience will appreciate Monarch. I really enjoyed being able to have one dashboard that shows all my accounts, all my investments, all my spending, all my savings, all in one place. I love how Monarch lets me see my entire financial picture and how it's changing over time. And for our fellow financial nerds, you can even use Monarch's investment view to compare your portfolio performance to the S&P 500. Plus, the AI Weekly Recap can flag things like changes in your spending and net worth, so you might notice trends you wouldn't have thought to even look for. Even if you're good with money, it's smart to pay attention and keep optimizing. There's always another milestone ahead in your money story. That's right. Write your own money story with Monarch. Use code MONEYGUY at monarch.com to get your first year of Monarch Core half off at just $50. That's 50% off your first year at monarch.com with code MONEYGUY. If you take out a loan from a bank, you're going to be paying it back for 30 years. If you rob the bank, they're going to release you in 10. Do with that information what you will. If you need more financial advice, hit that follow button. Nah, you'll be locked up, but I have a plan to keep the money. I did not tell y'all to do that. I told y'all the numbers behind it. What you did with that information was your business. You can't take financial advice from somebody that's struggling. Oh my God, that's the TED talk right there. You cannot take money advice, financial advice from people that are struggling. These people, it's a pyramid scheme. I don't love it. Hey, I don't have anything to add. Right now, after eating those Cheetos, them crackers in the background looking pretty good. Put some peanut butter on there. Got me through college. I don't know much about investing. I just put my money in the S&P 500. I don't care about investing, so I hired a financial advisor. You need to study the market cycles and be constantly buying and selling individual stocks in order to get an optimum return. It is impossible to predict the future and I am humble enough to know that I'm unable to do it. Therefore, I put my money in the S&P 500. You see, it's funny because just small brain and galaxy brain arrived at the same conclusion. Yeah. That was the funny part. What was the middle brain that got the financial advisor? Normal brain. This is like a Saturday Night Live skit. Okay, tell me more. Like people watch this video, but we all kind of like internally go, that wasn't as hilarious as I thought it should be. No, but it is a great point. I think a lot of people as they advance- Them Cheetos, they're popping right now. I think a lot of people, they are- I think a lot of people, they're under the impression that the more intelligent I get, the more knowledge I gain, the more sophisticated my investment strategy has to be. I've got to go figure out all this stuff the rest of the runs to figure out. I got to figure out what stocks to do. I got to start doing covered calls. I got to start doing all this complicated stuff when in reality, we think it is a futile exercise to go out there and try to beat the market. So a bunch better strategy is to just be the market. Just go buy the S&P 500. Go buy low cost index funds and don't overcomplicate it. Do the easy thing and you'll be amazed at how much wealth you can build. Don't try to beat the market. Just be the market from the galaxy brain himself. I'm actually a little bit nervous right now. I'm at Chipotle and I'm actually with someone named Lucy on Hinge and this is our first Hinge date. But honestly, I have no intention of doing anything but selling her insurance. So here's the game. Is Hinge a dating site? Okay, you can resume. I'm actually a little bit nervous right now. I'm at Chipotle- You didn't know that? And I'm actually with someone named Lucy on Hinge and this is our first Hinge date. But honestly, I have no intention of doing anything but selling her insurance. So here's the game plan. When she first walks in, I'm going to plant this seed and make a comment about her insurance then do some small talk. Then when we sit down to eat, I'm going in for the kill. She's here. This is going to be awkward. I can already tell by the way he carries himself. Lucy? Hey. Yeah, how are you doing? Good, how are you? Good. So my- This is random. My insurance rates just went up by like 20%. It sucks. Okay. Yeah. No, are you hungry though? Yeah. Let's get some food. Okay. Who are you with for your insurance? I am with my parents though. Oh, you're in your parents' plan? Yeah. Oh, you're not even the decision maker? Number 26. I guess not. Well, honestly, this will probably be our last date. Let's enjoy though. Let's enjoy. Okay. What? Guys. Well, what are we doing here? I mean, that was awkward. That wasn't hilarious. I feel like we just picked on somebody who might, you know, he might be struggling with, you know, social skills. No, no, no. He was trying to sell her insurance. Were you listening to what he was saying or were you just watching the video? I heard him say, I thought that was his gimmick. No, no, no. He said, no, no. He connected with her on Hinge so that when she got there, he can ask her who's her insurance with so he could sell her insurance. This was a ploy for him to sell insurance. He was using Hinge as a mechanism to get people in to have a cap of odds to sell insurance. I'm sure that breaks their terms of service. Did you really miss the whole thing? Did you just think this was like a date gone bad? Well, yeah. First of all, I couldn't get over the fact that he was taking her on the first date to Chipola. What's wrong with Chipola? I don't know. I mean, when I was on that, now, look, I've been married 28 years, but when I dated the first date, you set the hook by taking them someplace nice. No, the first date, it's got to be like, it's got to be laid back, super casual, not too. Yeah. You got to set the hook. No, first date. You don't go like all the way. You just put a hook out there with no bait on it. No, you got, it's got to be comfortable. You got to ease into it. There's a reason I've been married 28 years. I set that hook deep. That came off a little weird. That's weird. Sorry, honey. Congratulations on your new house. How did you, what is your husband? Is that a deaf leopard shirt? Was it going well for him? What are you guys doing these days? Did you buy in 2017 when the interest rates were, did you get land that was previously? And your parents, they're doing good. Your parents are, they're supportive. They're around. They're helpful. They're excited. How are your grandparents doing? And is everyone still like alive and well? Is it like, like trust or like, like I trust that we have funds. How did you afford to buy a house? Is what I'm asking. It's so true. Buying, if you are someone who's able to get in the home ownership side of things, you've accomplished something that a lot of people in this country right now have not been able to do. How'd you come up with a down payment? How'd you find a house that you could afford? How'd you figure out what the interest rate was? How are you making the monthly payment? It is a hard, hard thing to do, but it's not impossible. That's why if you go to moneyguy.com slash resource, we have an entire home buying calculator, home buying checklist, ways to help you do it the right way so that you can be the person that people are asking, how'd you do it? What was the secret? What was the trick? Well, I mean, the math ain't mathing on housing in a lot of ways because not only are interest rates sky high, but then we had this huge run-up. Now I'm here to tell you all over my social media feed is all about how horrible the housing market is, but she ain't wrong. All through my life, when I see things, I'm like, is that debt? Is that family? And that's why, here's the thing, comparison really is the thief of joy. Don't try to pace yourself with anyone. I'd rather you just understand how money works and live your best life. And one of the greatest things you can do is exactly what Beau said. If you go to moneyguy.com slash resources, look at our home buying checklist. The first home, you only have to put down as little as 3%. Yes, you might have PMI, but you can always get that to wash itself away in a few years after you've built up some equity. I'm just trying to get you on the home ownership train if it makes sense. Have you guys heard of this word before? Budget. That's a New Orleans dish. That's good. Yeah. That's actually pretty good. That's really good. Yeah. You know what? That is certifiably hilarious. I think a lot of people, the word budget is a foreign word. It's not something they're used to. They don't recognize how to understand how to live below their means, how to save a little bit of today for tomorrow. Because if you can do that, if you can exercise discipline to create margin in your life and apply that over time, you can build wealth. But for most people, it has to start with something as simple as making and following a budget. I kept waiting to see our wives somewhere in that scene. Didn't you feel like that was taken down the street in Williamson County? Absolutely. I kept waiting to see our wives somewhere in that scene. Sorry, honey. Happy Halloween! Oh, boy. From the Money Guy Show. Got the hat looking tight. Great Scott, six financial decisions your future self will regret. Oh, yeah. If you're listening to this podcast, you are missing out. My Mario costume's completely falling apart. I have told Bo that he should blow this picture up and put it over his bed. What? Maybe instead of the CPA life tattoo that I have across my belly, I could have done the biker look. You know, you just never know. Not Robin? Yes! It looks great, Bo. By the way, I just made a reference to all this earlier. So I think the team's trying to tell us something. I, uh, you know what? It's wonderful to get to look back at all the lessons over life, over time that we've learned. And we've learned costumes maybe just not our thing. You know, maybe I missed my calling. You know, I will say I went to a Halloween. Back in Georgia, we went to an annual Halloween party and one year I dressed as a biker with the fake sleeves and everything. You wouldn't believe how many people came up. Like, wives. It was kind of uncomfortable. I'd argue that. I think I missed my calling. You're at the age and level of success where I think a sleeve is probably in the cards. No. No? No. No? No. Well, what would I put on me? A bunch of calculators? Pen keys? Disney stuff? Disney stuff. That's what I need. That'd be so hard. At this point, we'll put a flaming Cheeto on, you know, on my bicep or something. Obviously, that's what we should do. You know, I love what this shows is we've been doing this, Brian, for 20 years now. We've gone through a lot of seasons. I think I can find that dragon, by the way, too. A lot of things that have changed, but what has not changed is sound financial advice is still sound. The things that we were saying 20 years ago, the same things that we are saying today, if you can master the three ingredients of wealth creation, if you can sacrifice a little bit of today for tomorrow, you too, no matter where you're at, where you're starting from or what your backstory is, you have the ability to build wealth. From a chaos standpoint, well done, content team. I'd even willing to say that was absolutely hilarious. I'm just curious, what in the world are the editors going to do with that much chaos? I can't wait to see. Guys, there is a better way to do money. Go check it out. MoneyGuy.com slash resources will load you up with free stuff. I'm your host, Brian, joined by Mr. Bo. For all of us here, MoneyGuy out.