Ken Van Vorhis: Living in a Tesla to Build Wealth: A Bold Strategy. | DSH #1509

Summary

Digital Social Hour | Ken Van Vorhis: Living in a Tesla to Build Wealth | Episode Summary

Episode: #1509
Host: Sean Kelly
Guest: Ken Van Vorhis
Release Date: August 26, 2025

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Overview

In this episode of Digital Social Hour, Sean Kelly sits down with Ken Van Vorhis, a self-described “homeless” entrepreneur who intentionally lives out of his Tesla (and, amusingly, owns three cars) in order to maximize his investment into cryptocurrencies and build future wealth. Ken shares his story of radical choices, his investment strategies, his deep dive into sales, and what he's learned about fulfillment, networking, and mindset along the way. The conversation is candid, unfiltered, and sprinkled with both practical advice and memorable anecdotes.

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Key Discussion Points & Insights

1. Why Ken Chose to Live in His Car (00:39 – 03:02)

• Intentional Decision: Ken emphasizes his living situation is by choice. Frustrated with slow financial progress and wanting to invest more in crypto, he cut rent from his expenses and put the savings straight into digital assets.
• Quote:

  "To be clear, it is 100. 100% intentional." – Ken (00:43)

• He describes how, at lease’s end, he transitioned to car living, immediately freeing up $1,000/month.

2. "All In" on Crypto (01:26 – 03:38)

• Ken invests every liquid cent into crypto, with 100% of his net worth in the space; at times, his bank accounts are overdrawn.

  "No, no, ... I think one of my banks is overdrawn right now... I put everything in." – Ken (01:53)

• Focuses on altcoins for short-term gains – notably XRP, which he rode from $0.55 to $3.20.

  "My largest holding right now is XRP." – Ken (02:41)

• Long-term plan: sell altcoins before the next bear run, eventually hold Bitcoin and take loans against it, seeing BTC as “more liquid than real estate” for leveraging wealth.

3. Living Arrangements, Daily Routine, and Fulfillment (04:23 – 07:29)

• Despite the basic living conditions, Ken says he’s “so much happier” and feels truly free.

  “I've actually never felt this good in my entire life.” – Ken (04:47)

• Routine: Maintains a 9-to-5 sales job, showers and works out at a high-end gym, and eats at local restaurants—where staff know him by routine.

• Spends $330/month on a “Lifetime Fitness” membership, choosing an upscale environment to keep motivated and surround himself with higher-achieving individuals.

  "I intentionally try to put myself in situations where I am the lowest in the room." – Ken (06:22)

4. Smart Spending & Networking (07:29 – 09:36, 19:23 – 22:20)

• Highest ROI expense: gym membership, not just for fitness, but for natural exposure to wealthy, successful people.

• Networking is organic—“just being in the same room” and casually meeting people (like a Ferrari dealer in the sauna).

  “Conversations naturally happen... That's the starting to a connection.” – Ken (20:53)

• Ken avoids traditional networking events, preferring repeated interaction in shared spaces, which fosters more genuine relationships.

5. Multi-Car Minimalism & Tesla Living Tips (09:36 – 12:07)

• Owns 3 cars (BMW and two Teslas); uses one as storage, cleverly parks to maximize safety (Teslas’ cameras deter theft).
• Prefers Tesla’s “Camp Mode” and security features over RV or vanlife—“Everyone's deathly afraid of Teslas because they all know that it has cameras all around it. No one bothers me.” (09:16)
• Discusses issues with parking lot hopping and getting “kicked out” due to city/lot policies.

6. Personal Sacrifice, Discipline & Dating (12:07 – 13:35)

• Ken is “locked in” on his mission, intentionally abstaining from dating for focus, joking about the impracticality of inviting dates back to a Tesla.

  “I'm too locked in right now, man. I don't want any distractions at all.” – Ken (12:11)

• Sees discipline as key, especially in environments with distraction (like Lifetime Fitness).

7. Critical Views on Modern Dating & Masculinity (13:35 – 14:43)

• Disapproves of pervasive dating advice and “weak men” overly focused on relationships, rather than personal development.
• Believes improving oneself (income, skills) makes dating effortless in the long run.

  “If you focus entirely on just increasing your income and investing and building a stable platform for yourself...they just come around...” – Ken (13:35)

8. Mindset, Financial Strategy, and the ‘Poor Mindset’ Debate (18:26 – 19:40, 37:49 – 41:32)

• Asserts “being poor is a mindset”—the biggest differentiator is who you spend time with and how you think.

• Talks about ‘rage-baiting’ on social media to fuel engagement, and the importance of documenting the real journey, not just highlight reels.

  "I rage-bait the fuck out of people...I upset the whole middle class. The whole middle class comes after me in the comments." – Ken (29:02)

• Describes debt as a tool if managed right—his strategy is carry and then roll negative equity into appreciating assets (e.g., plans to convert negative equity into an asset like a URUS).

9. Career Path: Dropping College for Sales & Learning by Doing (22:20 – 27:14)

• Skipped college, found traditional academics slow and irrelevant:

  "If you don't know what you want to do with your life, college is the worst thing you can do." – Ken (23:01)

• Advocates for sales and marketing roles as “king and queen of business”; learned more from his low-commission sales job with great training than from school.

• Mastery in sales equates to ‘persuasion skills for any industry.’

10. Building an Online Presence (and Monetization Philosophy) (29:41 – 30:31, 36:22 – 39:22)

• Ken's rapid social growth came from honesty—sharing struggles, losses, and progress increases relatability.
• Posts daily, but refuses to monetize until he can prove his model leads to real, repeatable success for others.
• Currently building a private community via the WAP platform.

11. Wealth-Building Mechanisms: Exotic Car Rentals and Leveraged Debt (41:32 – 46:26)

• Shares detailed knowledge on how to finance and profit from luxury vehicles:
  • You can finance a $300k Lamborghini URUS with $50k down and $2–2.5k/mo payments; rental income can generate $10–$30k/month in the right location.
  • Turo and rental platforms have limitations, so private rentals are more lucrative (especially for younger clients who can’t rent on Turo).
  • Elaborates on DTI and how banks assess auto loans.

12. Side Hustles, Hustle Culture, and Blue-Collar Opportunities (47:29 – 54:21)

• Shares experiences as a $10k/month Uber driver in LA/OC and the surprising earning potential of jobs like Domino's delivery ("$70k/year is possible in OC").
• Maximizes both learning and networking while working, turning regular jobs into growth opportunities.

13. Tipping Culture and Value Creation (52:26 – 55:41)

• Surprisingly, Ken doesn’t believe he’s entitled to tips as a driver or in restaurants:

  "If you're just doing your job, I'm not gonna tip you." – Ken (53:20)

• Believes value should be actively provided in every interaction, whether via great conversation as a driver or exceptional service.

14. Learning from Online Gurus and Role Models (55:58 – 58:10)

• Ken credits practical advice from successful online figures (Alex Hormozi, Gary Vee, Mark Cuban, etc.) for pivotal mindset and career moves—he “just did what they told me to do.”
• Treats setbacks as necessary steps, not deterrents, embracing the “student mentality."

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Notable Quotes & Memorable Moments

• On intentional homelessness:

  “Honestly…I've actually never felt this good in my entire life.” – Ken (04:47)

• On gym environment:

  “I intentionally try to put myself in situations where I am the lowest in the room. …When there's Rolls Royces…then I'm over here in my shitty Model Y.” – Ken (06:22)

• On debt and negative equity strategy:

  “I'm just going to carry the negative equity…then I'm just going to take that negative equity and I'm going to roll it into an asset that I can leverage and appreciate…It'll eat into the negative equity passively without me ever having to take a direct loss on that debt.” – Ken (40:04)

• On career advice:

  "If you're just doing your job, I'm not gonna tip you." – Ken (53:20)
  “If you don't know what you want to do with your life, college is the worst thing you can do.” – Ken (23:01)

• On criticism & “rage bait”:

  “What all the haters don't realize is that when you comment hateful shit on my post, it boosts the algorithm....I rage-bait the fuck out of people.” – Ken (29:02)

• On learning and mindset:

  “Who am I to think I'm arrogant enough to not listen to these people when obviously they're doing so much better than me.” – Ken (56:51)

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Timestamps for Key Segments

• 00:39 – Ken introduces his intentional choice to go car-living
• 02:41 – Crypto investments & altcoin focus
• 04:47 – On happiness and fulfillment from minimalist living
• 06:22 – Gym choice and mindset
• 09:16 – Car security and living tactics
• 12:11 – On dating and personal discipline
• 13:35 – Views on modern dating & self-improvement
• 19:23 – On “poor” vs. “wealthy” mindsets
• 20:52 – Natural networking and the gym as social hub
• 23:01 – Thoughts on college and alternatives
• 29:02 – Using social media hate for algorithmic growth
• 40:04 – Strategic handling of negative equity and debt
• 44:47 – Exotic car rental as a wealth-building tool
• 47:55 – Blue-collar hustles and maximizing earnings
• 53:20 – Opinions on tipping and providing value
• 56:51 – Humility in learning from others

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Conclusion

Sean and Ken wrap with optimism about Ken’s future and an open invite to follow his journey. The conversation is packed with unconventional strategies, bold admissions, and practical wisdom for those interested in radical wealth-building, habit formation, and life “outside the box.”

Find Ken on Instagram: @thelifeofaken
Host: Sean Kelly

“All I do to cultivate my mindset is just listen to people who have more than me, and I take it with a student mentality.” – Ken (58:10)

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For listeners craving fresh perspectives on financial independence, relentless action, and living life with intention, this is an unmissable episode.

Transcript

[A]

Dude, those girls with tripods scare me. They scare me, bro. I'm so afraid. I'm like, oh, man, there's a tripod right there. Like, yeah, don't want to look.

[B]

There's literally whole videos of them posting.

[A]

Guys, that's what I'm afraid of, bro. That's what I'm afraid of. It's like, I'm just trying. I'm just here trying to do, like, my. My freaking. Like, the dip machine. I'm just trying to do the dip machine, and, like, someone sets up right in front of me and starts doing squats. Are you serious?

[B]

Okay, guys, we got Ken here. This man is a very interesting person living out of his Tesla and giving good advice on social media. So thanks for hopping on, man.

[A]

Thank you. Thank you.

[B]

Yeah. Not every day you run into someone that lives out of their car, and it's by choice for you, Right?

[A]

To be clear, it is 100. 100% intentional.

[B]

Yeah, that's. That's a very unique way to live life. What was the inspiration behind that?

[A]

Well, I wasn't happy with the results that I was getting. Like, I felt like I wasn't moving fast enough. Like, I was trying to buy as much crypto as I possibly could, and I wasn't getting anywhere. Like, something would always come up, and I'd get screwed. Like, my car would break down, or I needed to help out with my friends with something, and I wasn't stacking my portfolio the way that I wanted to. And so then eventually it got to the point where it was like, the first year was coming around, and my lease was up, and I'm like, you know what? I'm just gonna live in my car. And, like, I saved extra thousand dollars a month right away. And then we've just been doing it ever since.

[B]

And you put that thousand in the crypto, or how do you invest your money?

[A]

Yes. So I put every single cent that I can into cryptocurrency.

[B]

Wow.

[A]

I was able to put a lot more in the earlier months, but then recently, there's just been. Once again, like, something's always coming up, you know?

[B]

Yeah.

[A]

And so I feel like you just gotta outrun that.

[B]

Interesting. So if you had to look at a pie chart, what percentage of your liquid net worth is in crypto right now?

[A]

100.

[B]

100%.

[A]

100.

[B]

Nothing in the bank?

[A]

No, no, it's my. I think one of my banks is overdrawn right now. Like, I just. I put everything in.

[B]

Wow. I will say now, with these crypto credit cards, that is actually a possible lifestyle. But I feel like before you kind of needed some cash, you know?

[A]

Yeah. Like you can pretty much live off of cryptocurrency alone right now. Like, I've heard that bitpay, you can pay your rent and other bill directly from a wallet.

[B]

Wow.

[A]

It'll just convert it and send the money right off.

[B]

That's interesting. So I will also, I'll say there's some really smart people that are putting a lot of their liquid capital into crypto right now. I just had on Grant Cardone's brother, and he put 86% of his money into bitcoin. Yeah. Are you all in on bitcoin or do you spread it out?

[A]

So for me, I'm looking for more of gains in like the next four months. Like, I was looking for a 12 month period where I can make as much as possible. So I decided to focus a little bit more on altcoins. My largest holding right now is XRP. So I rode that from 55 cents. Even before I was homeless. The money that I had in, I rode that from 55 cents up to like, I think like 320.

[B]

Wow.

[A]

Is what it peaked out. And right now, I mean, we're. We're doing good again right now.

[B]

Yeah. So you're up 6x on that?

[A]

I'm. Yeah, I'm up a pretty decent amount.

[B]

Do you want to sell it or do you want to just keep holding it?

[A]

I'm going to keep it for now, but I do plan on selling everything before the next bear run.

[B]

Mm.

[A]

I do believe in more of like a bitcoin maxi stance where I just want to buy and hold and never sell. Right. But that has to be later on. I got other things in my life that I want to clear up that I think could launch me farther in the next bull run. And then I will never sell the bitcoin that I accumulate in the next bull run.

[B]

Yeah. Because with bitcoin, you could just leverage that and take out loans against it. Right.

[A]

That's my plan. My. My plan is to just hold it until it gets institutional adoption and then I can just take loans against bitcoin just like a heloc against the house, and it's a lot more liquid and I don't have to worry about any control on it. Pretty much.

[B]

There's already some companies because when I was buying a house that was an option for me, I was thinking about doing that. And there are a couple that will give you money.

[A]

I've heard that there's. There's two. There's two main options right now. You can. There's one company that'll give you 40% LTV, and then there's another company that will give you, like, if you put up one Bitcoin as collateral, they'll give you another.

[B]

Mm.

[A]

And so you can basically just like, leverage yourself 2x on Bitcoin. But I'm not entirely sure how that works yet. I haven't explored it.

[B]

Yeah, I'm sure there'll be more and more competition in the future with that, but it's. It's looking good. Because right now, getting a house the traditional way is insane.

[A]

Oh, it's impossible. I mean, I live in Orange County. Average mortgage where I'm living right now is like $12,000 a month. It's insane. And the amount that you need down, I mean, even with an FHA loan, you still are going to need it, like, $100,000 down, minimum. It's insane.

[B]

That's nuts. Has your, like, fulfillment and happiness been affected from living in your car versus a house?

[A]

Yeah. I'm so much happier.

[B]

You're happier?

[A]

I have. So much happier. I feel free.

[B]

I thought you were going to say the opposite.

[A]

No, no. I feel so free doing it. I've actually. I've actually never felt this good in my entire life.

[B]

Wow.

[A]

So it's just. I feel like just dropping that weight has allowed me to run so much faster, and I've accomplished more in the last seven months of my life than I think I ever have, if I'm.

[B]

If I'm being honest. So what's a typical day? You pull up to somewhere with Wi fi, I'd imagine, right?

[A]

No. So I actually still hold a nine to five.

[B]

Oh.

[A]

So every single day, in the morning, I get up, I chug an energy drink, I drive over, I hold a sales job, and it's right next to where I. Where I sleep, so it's perfect. I just drive right down the street. And then after I get off work, I normally go back to my car, I change into some more casual clothes, hit the Lifetime Fitness that's on the other side of the street. And then I normally, I'll go grab some food, and then I'll just repeat that day, and my life is a loop. I do that every single day. It does not change. Every single restaurant that I go to, like, the whole staff knows me because I do. I. I sticks to that routine. So strictly.

[B]

So you're very disciplined in that sense.

[A]

Yeah.

[B]

So even though you're homeless, you're paying $330 a month for Lifetime.

[A]

I am. Yeah.

[B]

Why couldn't you just pick a $20 a month gym?

[A]

Because I don't like the environment. I'm really big on mindset and I'm really big on what I surround myself with. And I've noticed that I am incredibly competitive when I feel like I'm behind. So I intentionally try to put myself in situations where I am the lowest in the room. Like I, I want when I go to Lifetime fitness and I pull up and there's like a Urus outside and There's a McLaren 720s which is my dream car right now. And when there's Rolls Royces and Bentleys everywhere and even the casual cars in the, the parking structure, not even the valet, you got beamers and AMGs and all the nice stuff. And then I'm over here in like my, my shitty model Y or I'm. I pull up in my BMW 3 series from 2018 that's got like a broken battery. Like it puts me in this constant position of I need to be doing better, I need to be catching up.

[B]

Respect.

[A]

Yeah.

[B]

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[A]

I've best decision I've ever made was that gym membership. I think that's the highest ROI that I'm currently spending. Even more than crypto right now.

[B]

Wow. Yeah. For me it's been a tremendous roi. I pay the same as you and sauna conversations, you never know where they're going to go, man.

[A]

Dude, Sonic conversations are crazy. I met some guy who sells Ferraris just literally just in the sauna, like we're just talking. He's like oh yeah. I work at the Ferrari dealership in Newport Beach. I'm like sick.

[B]

That's a good contact because if you could get one at MSR RP, you're up like 50, 100k right?

[A]

Dude, I've heard that you have to buy like three used ones before you can even get into a like a brand new Ferrari. Like they won't even give you an allocation. Unless you've had, like, three used.

[B]

Holy crap. That's nuts.

[A]

I know, man. Yeah, but I can't wait to play that game, though.

[B]

Yeah.

[A]

I'll be honest. I can't wait.

[B]

So you love cars. You have.

[A]

I love.

[B]

You have three cars, right?

[A]

I do, yeah.

[B]

So even though you're homeless. Three cars.

[A]

Homeless. I have three cars, and I actually park them all next to each other in the same parking lot. It's like, everyone. Everyone around me, like, because there's other people in the parking lot that, like, sleep there, too, and everyone can see me. I. I get out of my Tesla, and normally I, like, put on my suit from the BMW, because that's where I, like, keep my stuff. I store it all in the BMW, and then I'll get in a Model Y and I'll just drive off.

[B]

That's wild. So you have one car just for storage?

[A]

Yeah, just one car is just strictly storage. But that's only as of last week because I just bought the Tesla Model Y. I picked it up two. Two days ago.

[B]

And why'd you.

[A]

Honestly, it was the perfect trim. It came with a white interior, the blue exterior, the acceleration package. It had the sporty little rims. And I wanted a Tesla because the Camp Mode is crazy for going homeless. I swear to God, it's better than a van. Everyone's telling me to get an RV or to get a van, and I'm like, you guys obviously don't know about Camp Mode because I can turn my car into a thermostat. Attention. Potentially, when I sleep, set it to whatever I want. It's got a security system. It's got sentry Mode, and so I don't have to worry about anyone pulling up on me at the middle of the night. Everyone's deathly afraid of Teslas because they all know that it has cameras all around it. No one bothers me.

[B]

That's a good point.

[A]

That's great. And then I just. I park my BMW between the two Teslas, and so there's cameras on either side of it. No one has bothered me.

[B]

Wow.

[A]

In seven months.

[B]

Smart.

[A]

And I. I haven't even had to move the cars until last night. Funny enough, I was sleeping in the same parking lot for, like, six months. No one bothered me. And then this. This RV pulled up, like, three days before I left. And apparently someone called the cops because there's this massive RV sitting in the parking lot. Now they're kicking everyone out. So I had to have someone move my cars when I was driving out here.

[B]

Damn. So that RV ruined it for everyone.

[A]

It pretty much ruined it for everyone.

[B]

What parking lot was up?

[A]

I don't know if I want to say that. I don't know if I want to like. Like, drop the parking lot sleeping?

[B]

Well, no, I was gonna say, like, is that a common issue for people that sleep in their cars? Like, just getting kicked out of where they're at?

[A]

Honestly, I wouldn't know. I mean, this is the first. I've gotten kicked out of multiple different lots. But most of that was just in my first month. Like, the first month that I was homeless, I was jumping. Like, I was. I was trying to stay in Newport because I love the area. I love being by the coast. But every time, like, the Newport Beach PD would pull up and they're like, yo, Ken, you gotta move. Like, you can't. You can't be sleeping in your car here.

[B]

Yeah.

[A]

So then I was kind of exploring some other places. I tried going outside my job. I was able to sleep in the parking lot. That's my job for a little bit. But then the property manager got upset. Now I just. Lee, I just found this one parking lot that my friend told me about. It was the. It was like the spot. It was perfect. No one bothered me for so long. I'm a little bit salty about that RV still, because that happened last night that I had to go and get one of my friends. I'm like, yo, I'm on the road. You got to move these cars.

[B]

That's a bad call to get. Yeah. So do you plan on living in your cars for a while? Like, what's the long term vision?

[A]

You know, it was only supposed to be three months. It was supposed to be from January to the end of March. That was it. But then at the end of March, I was like, you know, I'm doing pretty well. I don't know if I want to end this just yet. And then I'm like, okay, I'll do 120 days. I'll do another month. Right. Then I did the 120 days. And then I'm like, you know, I really still don't want to pay rent. And my life hasn't been, like, degraded too much by doing this. I might as well just keep it going. And so I just continue to do it. And now, I mean, it was seven months two days ago. Yesterday actually was the seven month marker. And so I'm like, you know what? Like, let's just shoot for a year right now. That. That's what I see. The End goal is me. I. It would be nice to be able to tell people I was homeless for all of 2025.

[B]

Yeah.

[A]

That'll make a great origin story.

[B]

That would be. How do you approach dating, then?

[A]

I don't. I don't. I'm. I'm too locked in right now, man. I don't want any distractions at all. Plus, I mean, what am I going to do? I was like, hey, come back to my test. Let's. Let's go back to my test. I got a memory foam mattress. It'll be great.

[B]

Wow.

[A]

I don't think that would work very well.

[B]

It wouldn't. But I'm impressed with your discipline to just take a year off from that. A lot of guys our age cannot do that.

[A]

Yeah. Especially a lifetime. Go in the lifetime every single day. It's like blinders.

[B]

A lot of temptations, right?

[A]

You got the blinders on, man.

[B]

My single friends struggle in lifetime. That's be focused. I see them looking around the whole gym. I'm like, Bro, 100 to work out. Like, come on, dude.

[A]

Those girls are tripods. Scare me. They scare me. I'm so afraid. I'm like, oh, man, there's a tripod right there. Like, don't want to look.

[B]

There's literally whole videos of them posting. Guys.

[A]

That's what I'm afraid of. That's what I'm afraid of. I'm just trying. I'm just here trying to do, like, my. My freaking. With, like, the dip machine. I'm just trying to do the dip machine. And, like, someone sets up right in front of me and starts doing squats.

[B]

Why sometimes?

[A]

Why right in front of me, man.

[B]

Sometimes I feel like they bait it.

[A]

Dude, it's on purpose. I swear to God, it's on purpose. They're doing that on purpose.

[B]

Tripod reaction videos, 100%. Yeah, those suck. I've seen guys, like, genuinely want to help the girl, and then they get caught.

[A]

I have a boyfriend.

[B]

Yeah.

[A]

Why were you staring at me nuts?

[B]

What do you think of all the dating advice videos from guys you see on social media?

[A]

I think. I think they're aimed towards a demographic that should be focusing on something else. Because, honestly, if you level yourself up, you don't need to worry about dating. You don't. I mean, if you focus entirely on just increasing your income and investing and building a stable platform for yourself, and I know this is what everyone says, right? But they just. They just come around like, I'm literally homeless. And, like, I still get, like, people approaching me and like, DMing me on social media and sending me Snapchats and stuff. But. And I'm. I'm homeless. I'm literally just a homeless guy sleeping in a car. And it's just because the. They see the progress. They. They see the returns. I mean, if you look at my Instagram from a year ago and you look at it now, that massive jump alone, I feel like is. Is attractive. But then again, I'm just the homeless guy. I. I'm. I'm staying away from the entire dating scene right now.

[B]

Why do you think most men today are weak and can't pull girls?

[A]

It's because that's all they try to do. That's what they focus on. If you're. If you're try. If you're giving all of your attention to try and pull girls, that's gonna be, like, the one thing that's gonna evade you because you're. You're lacking on other parts of your life that need to be developed. You need to develop everything. Like, I look at myself as, like.

[B]

I hope you guys are enjoying the show. Please don't forget to like and subscribe. It helps the show a lot with the algorithm.

[A]

Thank you. Video game character, right? I want max skill tree. I want all of them. I want to have a maxed skill set. Right? And then once you have a max skill set and you're already the best in the game, I mean, it's just. It's pretty easy from there.

[B]

Yeah. Yeah, I think I agree. I will say I met my girl when I was financially broke and not confident, but we grew together, and that's pretty rare these days, but it's very rare.

[A]

If I found someone like that, I would lock that shit down.

[B]

Oh, yeah, we're getting married.

[A]

A hundred. A hundred percent. I would lock that down if that was possible. But every single person that I meet, like, they'll just say something that's an immediate red flag, like, oh, I just got back from a girls trip. Red flag, girls. Red flag. Like, I just got back from a girls trip. We're like, I'll see them post on their Instagram story, and they post, like, a really nice dinner at, like, Nobu. And I'm like, all right, who paid for that? Like, who. Who are you there with? There's two plates in the photo.

[B]

Like, a lot of materialism these days, 100%.

[A]

Or, like, when they're on a boat, they post a picture on a boat, and I'm like, nope.

[B]

Red flag Yachts.

[A]

Yeah.

[B]

Yeah, a lot of that by you I bet. In Cali.

[A]

Yeah. 100% Newport Beach. Massive yacht scene. Massive yacht scene.

[B]

You plan on staying out there for a bit?

[A]

Oh, I love Orange County.

[B]

Yeah.

[A]

I think Orange county is like one of the best places that you can be in California because you have easy access to la, you have easy access to San Diego, but you don't have to live in those areas. And just Orange county is so nice. You just drive down the street. There's no homeless people, like anywhere. It's crazy. There's no trash on the street. Irvine. Irvine. Regular roads are like five lanes wide.

[B]

Wow.

[A]

It's. It's insane. It's like a freeway. You're driving down Sand Canyon, you got five lanes of traffic on like a residential street. Speed limits are like 65 on roads. Massive car community in Orange county, too. And then we got like the 73 freeway, which is a super nice, long, curvy drive. I've taken my BMW down those. And then if you. There's this one spot, it's right next to one of my friend's houses. It's like a little outlook. It's right over the 73 off of Newport coast. You just camp there at like 5 to 10pm you just like chill there with the boys. You'll see Paganis, you'll see Koenigseggs. You'll see Porsches and Ferraris. They all. Because they all of them live in like Pelican Hill or Crystal Cove. And they're all come off the 73 and get on a Newport coast. You can hear them coming from like a mile away.

[B]

Damn, it's.

[A]

It's crazy. I have some crazy photos that I've shot from up on that hill too.

[B]

I need to get out there. I haven't been out there.

[A]

You have been. Orange County.

[B]

I've been once for like a dinner, but I never got to actually explore.

[A]

It, you know, 100%. It's definitely a great place. You got it. Got to check out Newport. Newport is more of like ritzy, like yachts, like boating vibes. And then if you drop down into Laguna beach, it's a lot more artsy.

[B]

Got it. Maybe I'll schedule a day to come out there and film some pods. 100 some ballers out there.

[A]

100% worth it. There's some really big people out there too.

[B]

Who's out there?

[A]

Oh, man. Who. Who is? The mafia guy.

[B]

Michael Francis. Yeah, he's been on already.

[A]

Oh, yes.

[B]

Yeah, he drove into L. A. We filmed there. But yeah, he's awesome.

[A]

Yeah, I know. I Saw. I saw a picture of him at. At Crystal Cove, right outside of Javier's. Or it was oceans. It was Mastros, so I'm right outside. Mastros.

[B]

Yeah. He's one of my favorite guests. Crazy story, man. Wow. He's been through some. Yeah, I love the mafia stuff. All right, another hot take. Do you. Do you think being poor is a mindset?

[A]

100%. 100%. Like, there's even people that I know who, like, have money because they made it through luck, like in early Crypto days, or people who, like, their. Their parents had money. And just the way that they talk, I'm like, why do you talk like that? Like, why. Why do you talk about these things? Like, these are not productive things to do. I think a lot of people, just the way that they think, it's the people they surround themselves with that's the biggest thing. I spend as much time as I can trying to put myself around other rich people, and so that way I can think like they do. And that's probably been, like I said with Lifetime Fitness, that was my entire goal, was to do that. Highest ROI expense that I have right now is probably that $330.

[B]

Yeah. Other than crypto, right.

[A]

I would say more than Crypto.

[B]

Even more than Ripple.

[A]

I would say even more than Crypto. I mean, crypto. I mean, with Ripple, I got a 600% right. But with Lifetime Fitness, the mindset that I've cultivated there, my income has gone from 4,000 to $10,000 a month.

[B]

Damn.

[A]

And I've met some really high quality people there that I know I'm going to be doing business with in the future after I'm done with this whole homeless thing and I enter the next chapter of my plan. There's already. I already got people lined up.

[B]

Well done.

[A]

You're. You're helping me buy the urus. I already. I already know the guy who's going to help me buy the urus.

[B]

Well done. What's the approach when you. When you meet these guys? A lot of guys can't network and talk.

[A]

It's not even about networking. Like, when I went to Lifetime Fitness, I just thought to myself, like, oh, like, when I see someone with a Lambo, I got to go up and talk to them, right? And it was so awkward. Like, I did that my first day there. I literally walked up to a guy driving out, took a picture of his car from, like, up on the. On the top of the. On top of the parking structure, and I came up to him and I'm like, hey, man, like, let me shoot. Give me your number. Let me send you these photos, right? Because I wanted to get his number so I can network. Owns a construction company. He's a cool dude. He had like a. It was a tan. Like a tan Lamborghini that had like carbon fiber hood and custom arrow package. It was like a 1015 or a 1016 body kit, something like that. Like an expensive, like extra like 50 grand body kit on it. That's what I thought networking was. But then once I got to Lifetime, I realized it's just being in the same place as people. Conversations naturally happen.

[B]

Yeah.

[A]

Like when you're in the sauna, Right. Like you said. That's a great example. You're just sitting in the sauna. You're just having a conversation with people. All of a sudden you find out one guy's a Ferrari car salesman. Or you just find, okay, well this guy owns a mortgage company. And then like, the more you see each other, you're working out with each other. And then maybe like you shoot an idea past him and he's like, dude, that's cool. Like, I'd be down to go in on that. And then it's just that, that proximity and that closeness of knowing this person and knowing like, okay, well, like we're in the same place. I see him every day. Like, that's the starting to a connection.

[B]

Right.

[A]

So I would say it's not even about networking. Like, I will. I don't think I'll ever go to a networking event. I don't think that's worth it. But I do believe in clubs. I do believe in places where you go there every day. Not just to meet people because you want to be there. And then you end up meeting people along the way.

[B]

I feel that. Yeah. I always tell people, don't make it seem forced.

[A]

100.

[B]

No matter what setting you're in, there's.

[A]

There's so many people who make it seem forced.

[B]

Oh, yeah. It's cringe. You could tell too.

[A]

I know. It's not. It's not fun.

[B]

It's not.

[A]

It's not. It's not fun.

[B]

Like, if it doesn't feel genuine, like, why am I even talking to you? You know?

[A]

I know that's. That's the biggest thing. Like, it doesn't. You don't want to fake genuinity. You want it to be genuine.

[B]

Yep.

[A]

And the only way to do that is just to be an outgoing person and just start conversations with anyone at random with no expectations going into that convers. Just tell Them. Hey, you look pretty good today. Hey, man, I love that suit. You look great in that suit. And then suit, just the connections just kind of start to come together, you know?

[B]

Did you go to college?

[A]

I did not know why my parents pushed me. Parents pushed me very, very hard to go to college. But I was that guy in high school where I would, like, fall asleep in the class, or I'd be like, playing geometry dash on my phone, like, the entire class not paying attention to anything. The teachers hated me. I'd fail all the homework because I'd never do it. And then I just show up for the test and ace them because I picked up on the content and I was a quick learner. And I would understand the whole concept on day one. And then the teacher would spend three days learning it. And I'm like, dude, this is so slow. And I'm like, half of this shit. Like, I'm never going to use this. How do I need to know how to calculate a rabbit's genome? Like, what babies are going to have, what color fur? I don't need to know that. Like, I want to learn something that's actually going to be useful to my life. I want to specify in a field, and I thought about doing that in college, but then I'm like, I don't really know what I want to do with my life. And I feel like if you don't know what you want to do with your life, college is the worst thing you can do. If, you know, like, if you're like, I want to be a doctor, I want to be a lawyer, and you're set 100%. Go to college, get the degree, get the certification. But there's too many people who have no idea what they want to do. And all their friends are going to college, and so they're like, I'll go to the college, too. And they just end up going to bars and going to clubs and partying for four years, Wasting four years of their life not learning anything. Then they get into the workforce, the degree is useless, and now they're screwed. I feel like a much better alternative. If you have no idea what you want to do with your life, just explore different jobs. In particular sales and marketing. I mean, the king and queen of business. If you know how to sell or if you know how to market, you're always going to have a job. That's why I chose sales. It's because I'm like, okay, I want a job where I can make six figures based off my own ability, not having to Worry about getting a promotion or if someone likes me, I want it to be entirely on my performance.

[B]

Yeah.

[A]

And every single entrepreneur that I watched on social media, Justin Waller, Mark Cuban, all of these guys, they said if I had to get a job a 9 to 5, I would get a sales job. And I took that to heart. And the first thing that I did, the second that I lost the job as an Uber driver, because that's what I did previously went and got a sales job. My first month, I took home a weekly paycheck for four grand. First month. It's that fast.

[B]

Sales is probably the most important skill in my opinion, in business entrepreneurship. Almost every CEO has that ability.

[A]

Exactly. Because it's not people say sales, but it's really persuasion. That's what it is.

[B]

It's a lot of psychology, actually. Yeah.

[A]

100. It's all psychology. It's all knowing, like, okay, do I need to word that? How do I want to word this? Do I want to word it in the negative? Do I want to word it in the positive? What emotion am I trying to evoke by saying this? And then if you, if you have that skill, any conversation can go the way you want it to.

[B]

Yeah.

[A]

You can control any conversation ever.

[B]

You could use it in so many industries, and it's tied to your skill level too.

[A]

That's. That's the thing.

[B]

I know guys make it seven figures a year off sales jobs.

[A]

Jeremy Lee Minor. I'm pretty sure that guy was doing like 1.2 million a year as a W2. He wasn't even 1099. He was W2, doing like 1.2 million. That's insane.

[B]

That's nuts.

[A]

I would, I would love to be able to do that one day. I mean, I've been in sales for. For two years. I'm still developing that skill set, but I feel like I could 100% be there if I stick with it. I'm really just hoping to branch over into entrepreneurship sooner. Like, I feel like I have the basics of. Of sales down. I have the basics of marketing down. Now I'm ready to start the business.

[B]

Yeah. Yeah. High ticket sales is where it's at right now. Especially if you're just starting out. It's a. Because you could get a couple of thousand commission check for each clothes.

[A]

Oh, yeah, 100%. I feel like a lot of people, though, they get too drawn into that remote work. They see this lifestyle of like, I'm a remote closer in Bali making ten grand a month. Right. And you see like, these crazy videos and Stuff like that. Getting remote jobs like that is very, very hard. It's not. And the thing is, if you're new to sales, you don't have that one on one training.

[B]

Yeah.

[A]

I took a job at a, at a tax resolution center. It was my, my second sales job that I had taken and the commissions were ass. It was like such a bad paying job. I would only get $150 if the person above me closed the high ticket. I was closing the entry level service and I would get zero commission if my team leader didn't close it.

[B]

Wow.

[A]

And so it was, it was a horrible structure. But at the same time, the training that they had, that they poured thousands of dollars into, the training of every single rep at that office, and they turned me into a killer. They taught me how to hunt all different types of leads, how to close. I learned everything from that job. And then I just branched over into a job that was higher paying and I dominated top 4 first month.

[B]

Not smart. So you took advantage of a shitty situation.

[A]

Yeah, I was. And the thing is, everyone shitted on me for like the eight, nine months that I was at that job. Like, my friend was working at Domino's delivering pizza. He was like, I'm making more money than you and I. And I was, I was like, just wait, just wait. I'm building a skill set. I'm here for the learning. I am not here for the money yet. I'm surviving. It's fine. And then I think I got my next job on 26th December, 2024, right before I went homeless. Residual based commissions, a nice revenue split. And then I went from my first month homeless, I did four grand. And last month in July, I did 10.

[B]

Wow.

[A]

Actually, actually I did like 10, six. Almost 11.

[B]

Well done.

[A]

So it's definitely been a journey.

[B]

Have you lost close friends throughout this process?

[A]

I have, yeah. There's. There's a couple people who I thought were my friends who I thought were really, really cool. I had nothing against them. And when my content started to blow up on social media, some of them had a great approach to it. And some of them were like, were like, you go, Ken, like you, you keep going, keep grinding, stay locked in. I still talk to those guys. And I had a couple guys who were like, you're a piece of shit. You're fucking pathetic for doing this. Go and get an apartment. Stop making a fool of yourself. You're embarrassing your family. I'm like, we'll see what my family thinks in two years, all right? I mean, I know that I'm right in the long run. So we'll. We'll see. I feel like that's why I tell any. Anyone who comments something hateful on my. On my post. I'm just like, just wait or we'll see who ends up on top. Because I know where I'm going to land.

[B]

I feel like whenever you're doing something innovative or unique, you're going to get hate no matter what.

[A]

100%. But I love it.

[B]

You need it.

[A]

With what they don't realize, what all the haters don't realize is that when you comment hateful shit on my post, it boosts the algorithm to people who want to see it and then they become my followers, right? So I would not have the base that I have right now if I had not been getting so much hate early on in the process. I rage. I do. I post financial rage bait on purpose. I rage bait the fuck out of people. Like, this is day 212. Going homeless with three cars. And everyone's like, you're a fucking piece of shit. I upset the whole middle class. The whole middle class comes after me in the comments.

[B]

That's wild. I mean, you're so open about your, Your ups and downs. I think it just catches people off guard, right?

[A]

That's what I wanted to do when I. When I started on social media, I was like, I want to document every step of the process. I want it to be real. I don't want it to be like, here's my Lambo, here's my rented Rolex. I didn't want to do any of that. I wanted to be like, okay, here's where I was at. Here's my losses, right? I had to spend $800 to fix my BMW one month.

[B]

And I couldn't.

[A]

I had to pull out of crypto to do.

[B]

You didn't have insurance?

[A]

I. Well, I had insurance, but my deductibles. 2500.

[B]

Cheese.

[A]

And so I was like, well, I mean, might as well just fix it. It was my daily driver, right? And so I had to come out of pocket with that. I did take a massive loss on that. I had to sell XRP at A$80.

[B]

Fuck.

[A]

I sold 1800 of XRP at A$80. I used to have 3000 tokens. I had sold it and I couldn't buy back in time. Now I only have 2500.

[B]

I'm going to teach you some. How's your credit score?

[A]

It's all right. That's a. That's a whole different Part of the journey, too. I have over a hundred thousand. It's probably like $130,000 of debt on my credit report.

[B]

Damn. Damn. From what?

[A]

Cars.

[B]

Oh, my God. So you financed all your cars?

[A]

Yeah, so it's. It's cars, it's personal loans from credit consolidation, and it's credit debt from mistakes that I made years ago.

[B]

Got it.

[A]

Because I, I had a. I had a girlfriend like two, two and a half, almost three years ago now. And oh my God, I love to spoil her. I loved.

[B]

That was her love language gift.

[A]

I bought her an iPhone 13. I went all out and I was. But the thing is, at the time, I was only making like two, three grand a month. But I wanted to give her this lifestyle so bad because no one had ever given it to her. And I wanted to be that guy, but I just wasn't there yet myself. I hadn't built myself up enough. And so I went into. I maxed out all my credit cards. I took out a consolidation loan, I paid them all off, I maxed them out again. I took out another consolidation loan, paid them all off, and then maxed them out again. And then my bank was like, we're not giving you any more.

[B]

More. Wow.

[A]

Consolidation loans. And then the BMW. I, the. I had the BMW loan first, and then after the BMW loan, I got the Tesla thinking that I was going to be selling and exiting the BMW in the next month. I just had an overlap period where I needed a car, so I bought the next car without selling the last one. And then the BMW deal fell through.

[B]

Damn.

[A]

And now I'm stuck with a bunch of negative equity on all of my cars, so I can't exit them. And so that's why, like, my BMW is breaking down now to the point where it's. It's costing me thousands of dollars a month in repairs, not including the payment. That's why I bought the Tesla Model Y. Got it is because I'm like, I need a daily driver that's not going to break. I just need like I'm. I'm trying to outrun my debts. I don't have a problem taking on more debt. I care about my debt to income ratio because I know my income's gonna keep going up.

[B]

Makes sense.

[A]

So I'll pay off my debts at some point. But I care more about the dti. And something I'm very proud of is even though I've taken on probably $40,000 of additional debt since I've been homeless, my debt to income has gone down every Single month, consistently interesting.

[B]

We need to get you on a Caleb Hammer show.

[A]

You know, everyone's telling me that. Everyone's telling me, he's like, you. You got to go on.

[B]

You get millions of views.

[A]

They're. They're tagging him in all of my videos. And then. What was his name? It was Jack.

[B]

Jack. Graham's co host.

[A]

Yeah.

[B]

Jack Selby.

[A]

Yeah. Graham's co host hit me up on Instagram and was like, hey, I'm gonna message Caleb. Like, you need to go on a show.

[B]

Yeah, I'll put in a word too. So multiple points.

[A]

Graham hit me up too. I was so hyped about that.

[B]

That's it.

[A]

Because I've been. I've been watching Graham for a while now. It was.

[B]

He's an og.

[A]

I know. It was. It was super nice to, like, I had a quick conversation with him. It was. It was crazy. It's crazy. Some of the people that. That have reached out to me. I never. I never thought this would happen.

[B]

I love that, man.

[A]

Like, I've been posting on social media for two years now. I wasn't expecting to blow up until after I got rich like I did. I wasn't expecting people to watch the homeless grind.

[B]

Yeah, well, I think people like the relatability, and also they like your consistency. You post every day, right?

[A]

Yep, every. Every single day. Pretty religiously. There's a couple of days where I miss it, but I always go back and I make sure that I have each day documented at least.

[B]

Yeah, that'd be a game changer for you on that show, dude. I'll get you on there.

[A]

That would be nice.

[B]

Yeah. I asked about the credit because, like, there's credit cards that have zero percent interest.

[A]

I've heard about that. Most of my debt is actually not credit cards, though.

[B]

Okay.

[A]

So most of my. My credit card debt is going to be personal loans. And because I use school's first federal Credit Union, I actually have really good interest rates on those personal loans. Like, some of. I think one of them is, like, less than 10%.

[B]

Holy shit. For.

[A]

For like a $5,000 plus personal loan.

[B]

I don't think I'd ever do a personal loan again unless the interest was low.

[A]

I use. I love personal loans because it adds to credit diversity. That's a big thing for me. Like, I wanted to have a bunch of different types of credit accounts, and so I've took out. I think I have three personal loans right now. But I made a rule for myself after I broke up with my ex. I said, I would never take out a personal loan again unless it made me more money. That was my biggest thing.

[B]

That makes sense. Yeah. I took out a few starting the pod and I probably wouldn't do it again because the ones I took were like 15 to 20%, which is hard to make money off of.

[A]

Yeah.

[B]

So unless you have like a really good deal or something.

[A]

You know, I almost took out a $50,000 loan from one of my previous coworkers. He wanted to give me a 50% interest rate.

[B]

Oh, my God.

[A]

I should have taken it because I wanted to buy XRP with it in October of 20.

[B]

You actually would have made.

[A]

I would have made 300 grand.

[B]

Holy crap.

[A]

I just would have given him $100,000 of it and I would have been left with 200,000 profit.

[B]

That would have been.

[A]

I wish he would have taken that. I wish he would have taken that. He knows. He knows who he is. He knows who he is too.

[B]

That's nuts. Yeah. People have been screaming Ripple for years, but it's finally popping off.

[A]

I feel like the reason, the reason that I bought XRP was because of Ripple. It wasn't because of the token itself. Like, I understand the role that Ripple plays in the cryptocurrency space, the cross border transactions, and I know how, like, it's compliant with ISO 2022 and all this stuff, but the real thing is Ripple, the company behind it. That company's dumping billions of dollars into that coin. With marketing, with everything else. You see all these super knowledgeable crypto people talking about it and I'm like, well, look, it has the hype and if other people are putting billions of dollars into just the marketing side of it, not even including the coin itself, there's got to be something going on here. I just follow the money. And so that's why when XRP was at 50 cents and people were talking about its utility and what it's going to be doing, and I was just like, oh, I'm buying that. I am 100% buying that.

[B]

You got a Discord community, right?

[A]

I do, but I'm actually. I actually just recently closed it. I made it private.

[B]

Okay. And that's a crypto community.

[A]

So it was going to be a crypto community. Yes. Except I am actually transferring over to wap.

[B]

Oh, nice.

[A]

So I've heard a lot of really good things about wap. I've seen Iman Ghazi posting about it, and I actually had one of the representatives reach out to me directly to try to bring me onto the platform. And so Far I've been loving it. I mean, I've been setting it up for the last month or so here. I haven't launched it yet, but after this pod, I'm going to do a pre order on my first WAP community.

[B]

They got a good API.

[A]

Yeah, it's great. They have payment processing built in. That's probably my favorite part about WAP is the fact that payment processing in literally every part of the process is built in. The funnel is built in. I don't need to go hire someone to do a marketing funnel for me. I can just build it all on wap, do the funnel myself, or hire someone else to build it all on wap. I have complete control of it. And then it lets me do so many different things with my content. Like, if I want to start clipping, I can hire people directly through my WAP to clip for me, and I can choose how much I want to pay them. And I can only pay for results. It's not like I'm like, hey, you pay us four grand a month and we'll do this much clipping. And for all I know, they could be faking the views. They could not be getting me good content. I'm out four grand a month versus I could pay a dollar per thousand views that align perfectly with what I want, and then I only get what I'm looking for.

[B]

Yeah, Yeah, I pay $3 per thousand. But yeah, it's good because you can audit the analytics and everything and you get solid views, bro.

[A]

Exactly. I'm really looking forward to launching a feature like that on my WAP and helping my, my community make money as well. I would offer anyone who's watching my content who would want to clip it. I would offer them a really good deal.

[B]

Hell yeah.

[A]

But the problem is I'm not monetized on Instagram on anything. I have. I have deliberately abstained from not monetizing myself on any social media because I only want to teach people a path that I have already been down and been able to prove myself. I want to use myself as the test for it. And so what I'm doing right now, going homeless to buy cryptocurrency, it seems to be working right. And I seem to be outrunning all of my problems. I mean, my income's going up drastically every month. Debt to income ratio is going down every single month. Paying off my debts pretty decently with just minimum payments as well. I'm in the best physical shape that I've ever been in in my entire life. I feel like all around, I'm doing really good. But I haven't proved the model yet. The model is proven when I'm able to successfully exit, get back into an apartment, start a business and control all of my debt. Because the goal is I want to roll all of my bad debt and all of my negative equity into assets that appreciate. Because if I were to try to just pay off my negative equity, like my BMW, I bought it for $37,000. I still owe 19,000 on it. The trading CarMax gave me was 2500.

[B]

What?

[A]

Yeah.

[B]

Holy crap.

[A]

Yeah, yeah.

[B]

Is that low?

[A]

I'm 16 and a half thousand dollars upside down on just the BMW, not including the Tesla that I bought as well. And so but if I were to try to pay that negative equity down all on my own, Even with the 4% interest rate that I have on my BMW, it's not going anywhere for years. It would take me years to pay that equity down. Unless I'm pouring thousands of dollars a month into just that negative equity. And every time I pay the negative equity off directly, I'm just taking an L that's a direct loss immediately the second I put the money there. And so my goal is going to be, okay, I can just carry the negative equity. As long as I'm carrying it, it's not hurting me. It's not actively hurting me in any way. It doesn't hurt my debt to income as long as the payment's low. And it doesn't hurt my lendability at all either because it's an auto loan. And so I'm like, okay, I'm just going to carry the negative equity. I'm going to get my income up, I'm going to get my debt to income low. I'm going to get my score back into 740. And then I'm just going to take that negative equity and I'm going to roll it into an asset that I can leverage and appreciate with either an income generating asset or something that appreciates. And then the appreciation on that asset will basically reverse the negative equity. It'll eat into the negative equity passively without me ever having to take a direct loss on that debt.

[B]

Damn, you really thought this out.

[A]

100%. Everyone thinks that what I'm doing, going homeless is crazy and impulsive and not thought out. But the reality is I've calculated everything. I've spent years learning about the credit report and how lenders look at debts, all the different qualifications. I can tell my friends like, my friends like, hey, here's my income here's my score, here's my credit report. Am I going to get approved for this auto loan? I can tell them yes or no.

[B]

Wow.

[A]

Just because I've applied for enough loans, I know how the underwriting works. And so using that knowledge, I'm able to basically plan out my credit recovery for the next like three years in advance. And by the end of this year, I should be able to roll that negative equity in the BMW into a Lamborghini URUS that I'm going to rent out and I'm going to be able to cash flow 10 to $15,000 a month off of it.

[B]

So crazy. You said urus. I was just going to ask how much income someone needs to make if they want to get a Urus, a $300,000 Urus.

[A]

So with car loans, auto loans are almost like their own credit. Like if you haven't had auto loans of that size before, it doesn't really matter what your income is. You need to show that you can build up to it. But it's all going to come down to debt to income. The reason I have, I have four auto loans on my credit report right now is because of the fact that my income is so high that banks can see that I have room in my debt to income to fit another auto loan. I could apply for a fifth auto loan for 40 grand right now and get approved.

[B]

Wow.

[A]

Because I have the debt to income available, my debt income is like, like 29 right now. And so for a Urus, it depends on your monthly payment. There's certain lenders out there that you can go to. Oh, what's that? What's that one? It's not Westlake. I'm blanking on it. It's local. It's a local one in where? It's local to me. It's local in Newport Beach. Woodside. Woodside Credit Union. Woodside Credit Union does extended term auto loans. So you can get a URUS loan that goes out 144 months. You need, you need like 50 grand down. That's a good number to have. But if you have the 50 grand down, they, they'll approve you with just like a low 700 credit score. You'll get, your loan will probably be like 200 grand, I would say. So you're gonna put 50 grand down, 200 grand financed. Monthly payment's gonna be probably 1800 to 2,500, which is really good for a euro.

[B]

It's not bad.

[A]

With a regular auto loan, it's going to be 3500 to 4500. And then as long as you can fit that 23 or 18 to 20 $300 monthly payment into like 20% of your debt to income. You need a debt to income that's like less than 30, ideally. So as long as your debt to income is less than 30 and you can comfortably fit that payment into your monthly expenses and the banks see that based off your credit report, they'll approve it. It's a lot easier to get into a URUS or to get into a Huracan than a lot of people think.

[B]

2K a month for a urus, that's nuts to me.

[A]

I know.

[B]

What's the interest on that though?

[A]

You think eight?

[B]

It's not terrible.

[A]

Six to eight.

[B]

I'm paying 10% on minor now. On my G wagon. Yeah, yeah. It's not bad. Damn. 2k a month. You got me thinking if I want1 Now, 100%.

[A]

And the crazy thing is, I mean, do you know who Jaden Bloom is?

[B]

Jaden Bloom? No.

[A]

Jaden Bloom, he makes a bunch of great content. I love the guy. I've actually thought about buying his community program. He talks about renting out exotic cars.

[B]

Yeah.

[A]

And his big thing is like, you can own these cars and you can cash flow them to the point where you don't even have to pay for them. You got a Lamborghini URUS rents out for a thousand to thirteen hundred dollars a day. They rent out on average 20 to 25 days out of the month. If you're in Miami, Louisiana, San Diego, Orange County, New York, or another place that's like wealthy, you're making, if you're doing all the renting yourself 20 to 30 grand a month cash flow off that car. And if you have a loan that's only 2200amonth, you're. You're making 200 grand a year off the car. Holy crap. After expenses, that's nuts. And even if it gets up or something like that, I mean, you have such a large cushion in that profit that you, you can just keep doing it.

[B]

Yeah. I mean, even if it gets up, as long as you got the insurance or whatever. Right?

[A]

Yeah. The thing is like in California though, it's a really. In California, it is a bitch to get exotic rental cars insured because all the insurance companies have dipped out of California due to the regulations. There's only like one company in California that would do it. And they, they went out of business because they couldn't handle it.

[B]

Damn.

[A]

So it's, I think, I don't, I don't know what the Meta is right now for renting out exotic cars, and I'm pretty sure you have to get the client to add it to their insurance. I think that's how it works.

[B]

So even if you're on Turo, they have to do that?

[A]

No, Turo. Turo has their own insurance. Turo provides it. But also, I would never rent something out on Turo.

[B]

Really? Why?

[A]

Because they take a big cut of everything that you're renting out. And on top of that, you're not going to get the ideal demographic. Because on Turo, when you want to rent out a luxury car like a supercar, right, there's two different categories. There's deluxe and there's super deluxe. And for deluxe vehicles, you have to be 25 years old to rent the vehicle. And for super deluxe, you have to be 30 to rent the vehicle. Most of the demographic looking to rent a Lamborghini Urus is going to be like 18 to 30 in the demographic that can't rent it. So that's why this window exists of people who are able to rent out these exotic supercars for way more than they go on Turo. You can get a Lamborghini Urus on turo for like 700 bucks, like 500, 700 bucks a day. But because of the fact that you can't do that through Turo, if you're under the age of 30, you have this $1300 a month, like upcharge that you can basically charge people for people who are under and then you can let the 18 year olds rent it out.

[B]

Got it. Wow. I didn't know that because I'm renting a car next week. I'm 28, so I can't get a Euro Santoro not on Turo. Wow, that's actually nuts. I wonder why they did that. Maybe people are getting accidents.

[A]

You have access to the deluxe vehicles though.

[B]

So like the G wagons and stuff like that.

[A]

It's because insurance companies, when they're like deciding like how much they're going to charge for rates, if you're under the age of 25, they'll charge you so much more. Like right now, I tried when I was an Uber driver back in 2022, that was like my big thing. Like my content prior to crypto was making 10 grand a month as an Uber driver. Like that was my, my massive thing that I was doing. And I tried to apply for Uber black, but to do Uber black, you need commercial auto insurance and you need a TCP permit. And I couldn't do it. Because I was under the age of 25, Uber even kicked me out of the rental program. They used to allow you to rent cars through them, and then they changed it to be anyone over 25 because the insurance was just through the fucking roof.

[B]

That's nuts. Yeah. I met an Uber driver in Boston that picked me up. He was making 100 grand a year. Pretty nuts that Uber drivers are making six figures.

[A]

I know people don't realize. It's a lot of, a lot of people, they, when they see Uber drivers, they don't realize the potential of that job. Because most Uber drivers only make like three grand a month, four grand a month, maybe up to five grand a month. Because they work eight hour days, they work four days a week, they'll stop and get food, they'll go do whatever they want. But when I was doing Uber, 14 hour days, seven days a week, I did not take days off.

[B]

Wow.

[A]

I did 30 days out of the month. And I did that for nine months straight. And every single month that I did that, I got a little bit better. I was like, okay, I need to drive in these areas. I can optimize tips like this. I can do this. And then slowly I started to, like, increase my income, get more and more and more efficient. And I think my, my final month, I did like $10,300 with Uber alone. That's what it says on the 1099.

[B]

Yeah.

[A]

And then on top of that, I had a private client database that I built up by giving my card out doing Uber, that gave me another $2,000.

[B]

Holy crap.

[A]

So I did, I did basically 12 and a half thousand dollars with Uber. Regular Uber, not black. That was just comfort rides in a Tesla, dude.

[B]

That's impressive because you can do that while listening to audiobooks, listening to self development.

[A]

So my, my friend does. My friend Jason, he literally just listens to podcasts while he's driving.

[B]

Exactly. So you can get paid to learn, basically 100%.

[A]

That's what I did. And honestly, I mean, we got to talk about Domino's. You know how I said I had another friend who worked at Domino's and delivered pizza?

[B]

Yeah.

[A]

If you're a Domino's delivery driver in Orange County, California, you can make 70 grand a year.

[B]

No way.

[A]

100 delivery pizza. How hella tips, bro.

[B]

70 grand a year. So they must be tipping like 30, 40 bucks each. Each, dude.

[A]

So. Because if you're going in the. So I used to work at the Sand Canyon location. I worked at Domino's in the Sand Canyon location. In, like, this heart of Irvine, California. In the. In the beginning of the day, we would get corporate, and so we'd be taking pizza to all the corporations, all the offices that are around the area, they'd all tip, like, 50 to 100 bucks.

[B]

Wow.

[A]

Every single time, that goes straight to the driver. Then on top of that, later in the night, you get a bunch of smaller orders. It would get really busy. You get a bunch of tips from everyone. The minimum wage In California is $20 mandatory.

[B]

Holy crap. I didn't know that.

[A]

Yeah, if you're. If you're in a food industry, the minimum wage is 20 bucks. So I'm getting. Or I was getting $20 an hour minimum. I was getting reimbursement for gas mileage for my car. I drove a Tesla, so I was getting paid more than what I was actually spending on gas. So my. My actual hourly was like 22 an hour. Then I got tips. Tips bring you up to 30 to $50 an hour.

[B]

To who? That's not bad at all.

[A]

It's crazy. The general. The general managers are making, like, hundred grand a year plus.

[B]

Wow.

[A]

And just the assistant general managers who just get a little bonus. 80, 90 grand a year.

[B]

Damn. You got me looking at Domino's employees different now.

[A]

They're making.

[B]

I thought they were all minimum wage.

[A]

Like, you know, it's. It's. It's one of my. One of my goals is, like, when I get, like, a McLaren or when I get, like, my first supercar, I'm going to go back to one of the dominoes. And because I still know everyone there, like, I'm still homies with everyone. And I'll be like, yo, give me one of those little domino signs that go on top of the car. I'm just gonna take orders.

[B]

That's funny.

[A]

I'm just gonna take orders. I'm gonna deliver pizza in like a 720s or something like that. Dude, that would be so funny. I would do that.

[B]

That's funny. I wonder if there's money in Uber eats. No, no. So Uber makes more.

[A]

Uber makes more. Because of the fact that when you start a genuine conversation with someone, they feel more obligated to tip you.

[B]

Oh.

[A]

And so that's what I would do. Anytime someone would come into the car, I would start a conversation with them. I use it as a learning opportunity as well, because in Newport beach, you pick up some really ritzy people coming from the ACI Jet Center John Wayne, or from just coming from the regular terminals. You'll pick up some businessman I picked up. He was the CEO of some major security company. Like, they were. They were competing with Ring. It was. It had, like, a hummingbird for, like, an icon or something like that. I remember picking him up and just talking to him and, yeah, it was. It was crazy. Some of the things that I learned and some of the people I met. There's a guy in Newport Beach. He. He likes to remain low key, so I'm not gonna name drop it.

[B]

Yeah.

[A]

But he. I picked him up in Uber, and we were just talking. We're having a great time, and I mentioned that I like supercars. And he's like, hey, I got an Aston Martin V12 Vantage in my garage. You want to come see it? We went and started it up. He actually hired me as a private driver for full time for the next two weeks. I went on to yachts with him. I shadowed him to Floella at Newport, which is a huge yacht event. I met this. The. I met Morton Irvine, the. The. The owner of the city of Irvine. I met him.

[B]

That's crazy.

[A]

I shook his head, and I was like, no way. At the time, I was like, I'm living in one of your apartments. He's like, I bet you're paid a ton of rent. I'm like, I am, sir. I am.

[B]

That's cool. Yeah. You won't get that doing Uber eats.

[A]

I know.

[B]

What percentage do you think you should tip Uber drivers?

[A]

So that's. That's actually what's really funny is despite the fact that I. When I was. Before I was doing sales, I made most of my money from Uber. I am very, very big on. You don't have to tip anything.

[B]

Really?

[A]

Yes. Because I am just doing my job. I am there to drive. If you feel like you want to give me extra money, by all means, I'm going to take it, but I am not entitled or obligated to a tip from you.

[B]

Wow.

[A]

Like, I. I knew some people at Domino's who'd be like, this person just ordered, like, a $50 order of pizza, and they only tip me a dollar. Like, you're lucky you even got a dollar, bro. You're doing your job. Like, you're getting paid a shit ton of money already to just deliver pizza. That's your job. You're not entitled for them to pay you extra or to compensate you extra just because your employer doesn't want to pay you a fair wage. Like, I've always been a big proponent of that. Like, I, like, whenever I go to, like, Chipotle.

[B]

Yeah.

[A]

Or Whenever I go to, like, a boba place or somewhere to get food and they like, flip the little thing over at me, they want me to tip. I'm like, zero. I'm sorry, if you're just doing your job, I'm not gonna tip you.

[B]

Take out. I, I'm not a fan of. Unless they're really nice or something. You know what I mean? Take out orders. Like, if you're going and ordering it and picking it up. Yeah, I'm not tipping you 20.

[A]

Exactly. I'm. I. If you're doing something above and beyond, I will tip. Like, for example, on the drive out here, we went to ihop, me and my friend. And when we went to ihop, there was this. There was this really nice girl in Barstow, and she came by multiple times to see if we needed anything, like, way more than she needed to. She had a bunch of other tables, and it was, it was very obvious that she, like, was going above and beyond at her job. And so we took. I think I tipped her like, 30%. Yeah, something like that. So I'll, I'll tip if I see people are going above and beyond to, like, give me exceptional service. But if you're my Uber driver and you drive me, like, place to place, you don't start a conversation with me, you don't do anything for me, you don't provide any value to my life, I'm not going to tip you.

[B]

Yeah.

[A]

And I understood that when I was doing Uber. And so every single car ride, it was my goal to provide as much value as I could to every single passenger that I talked to. Whoever it was, if it was a girl coming back from the bar, I would provide them with, like, the drama, right? We, I, we talk about the drama. It's like, oh, man, I had this girl, she puked in my car last night. She was black out drunk, right? And she's like, oh, my gosh. Really? That's value? That's value right there that I'm providing. I'm giving them a story, I'm getting them entertainment. I'm with a businessman who tells me that they work for, like, Google. Like, I met some guy who's doing, like, SEO marketing. I'm like, dude, I've heard the, like, SEO marketing is being, like, bought out by all these companies who just dominate the top Google searches. And you have to buy from them. Like, are you one of those companies, dude? They'll pour out everything about their industry to you. You get so much inside knowledge on everything. Like, I got. What was the Coin. This was, like, back before I had enough money to really invest into crypto. Someone dropped a coin on me that I bought, and it went up, like, 200% in a day.

[B]

Wow.

[A]

I forgot what it was. I only had, like, 50 bucks in it.

[B]

Was it Solana?

[A]

No, no, no, it wasn't. It was. It was a smaller one. I remember because it was. It was like an obscure one.

[B]

It was like a meme coin.

[A]

Yeah, no, no, it was. It was like. I think it was an altcoin. Maybe it was a meme coin. I don't know. This was back before I knew too much about crypto.

[B]

Yeah.

[A]

But this guy came in and he was like, hey, look, you got to check this out. They're launching this thing next week. Buy it. I promise you, you'll make some money. Obviously. I mean, I only put 50 bucks in because I wasn't really committed to.

[B]

It, but the fact it took action is impressive, to be honest, because he probably told that to, like, a hundred people.

[A]

Yeah, well, that's. That's the. I feel like that's something that makes me different, is when. When I'm. When I'm watching social media and I see Alex Hormozy say, you need to take obsessive amounts of action and you do 10 times more than everyone else is doing. I'm like, okay, let's do it.

[B]

How.

[A]

How are we going to do it?

[B]

Yeah.

[A]

And then I just plan it out, and I just try to do it. Like, I'm. I'm. I have a. Very much a credit most of my success right now to online gurus, I guess you could say, or online role models, because I just did what they fucking told me to do. They. Mark Cuban told me to get a sales job. I got a sales job. Now I'm making 120 grand a year. It was that simple. Gary Vee told me I needed to build a personal brand. Tai Lopez told me a personal brand is going to be the only thing that outlasts AI. I've been building a personal brand. It's working.

[B]

Listen to the right people is the key.

[A]

Luke Belmar said, make a community. And so I'm like, all right, let's launch a walk. Yeah, like. And I'm. I'm very big on just taking people who have something to show for it. They have the success, they had, the results. And humbling myself before them and saying, like, okay, well, if. If they're doing it and it's working, who am I to. To tell them? No, Who. Who am I to think I'm arrogant enough to not listen to these people when obviously they're doing so much better than me. And, like, obviously, I only listen to what applies to my life. Like, when I. When I hear Ryan Pineda talking about, like, real estate. I'm not really planning on going into real estate right now, so I'm not going to take that advice. But at the same time, when I hear Alex Ramosi talking about, you're 19 failures away from having the life that you want, I'm like, all right, what's going to go wrong next? Give me something that goes wrong. I love it. My car is about to get towed from the parking lot. Great. How many more failures do I got to go through before I finally get to the McLaren 720s? How. How many? Just. Just tell them. Just tell me how many, and I'll just keep failing until I get there. I'm. I'm not afraid of rejection. I'm not afraid of anything, because I understand that that's what it takes to get there. And I. All I do to cultivate my mindset is just listen to people who have more than me, and I take it with a student mentality.

[B]

Bars. Ken, I hope the next time I see you is in your McLaren.

[A]

Hopefully. Hopefully. It's probably going to be in the Urus. Honestly, yours first. The URUS is coming first because the cash flow from the URUS could buy me McLaren alone.

[B]

Fair enough. Well, hopefully I see you in the URUS next time. Where can people find you, man?

[A]

So on Instagram, it's the life of a Ken. People think it's the life of Aiken, but the life of Ken was taken by some girl named Kendall on Instagram. And I was like, man, like, let's just do an ak. Why not? And so I just did it, and now it blew up, and it's too late to change it. So I'm like, all right. We're the life of a Ken.

[B]

Check him out, guys. Super interesting episode, and can't wait to see what you do, man.

[A]

All right, perfect. Thank you.

[B]

Peace.