Breaking Down our Money Mindset w/ Hannah Bronfman and Brendan Fallis

Summary

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Financial Tea with Mrs. Dow Jones

Episode: Breaking Down our Money Mindset w/ Hannah Bronfman and Brendan Fallis

Date: May 14, 2026
Host: Haley Sacks (aka Mrs. Dow Jones)
Guests: Hannah Bronfman & Brendan Fallis

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Episode Overview

This episode dives deep into personal finance, wealth psychology, and the realities behind influencer wealth with power couple Hannah Bronfman and Brendan Fallis. Host Haley Sacks explores their money mindsets, childhood financial upbringing, learning moments from financial mishaps, navigating finances as a couple, and strategies for generational wealth. The conversation is candid, filled with both practical financial advice and honest stories from their relationship, professional careers, and family life.

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Key Discussion Points & Insights

1. The MDJ Market Report

(04:00–13:50)
Haley starts with her signature “MDJ Market Report,” covering financial pop culture and market trends:

• Devil Wears Prada Salaries: All main actresses negotiated a “favored nations” deal ($12.5M each) with back-end bonuses—highlighting collective bargaining’s power.
  • “Negotiation is the most lucrative skill that you will ever learn.” — Haley (07:10)
• GLP-1 Drugs (Peptides): Discusses their impact not just on health but on the economy—from grocery to airline industries.
  • “GLP-1s are restructuring the entire American economy.” — Haley (09:30)
• Wealth Taxes: Skepticism about new state wealth taxes; historical evidence shows they often backfire by driving out the ultra-wealthy.
  • “A wealth tax has historically failed to generate revenue... there’s so many other solutions.” — Haley (12:45)

2. Money Icks: Rapid-Fire Questions

(13:51–17:13)

• Hannah’s Money Ick:
  • Hates reviewing finances and “raising money.”
  • “I love to go to lunch with my financial team, but I do not love reviewing the finances.” — Hannah (13:57)
  • “There’s an art to it [asking for money], and for those who don’t have it, it’s a really hard thing to learn.” — Hannah (14:46)
• Brendan’s Money Ick:
  • Gets stressed when friends fail to optimize their finances (like not using points).
  • “It bothers me a lot just that people don’t even explore the intent of betterment in finance.” — Brendan (15:24)

3. Financial Fumbles and Learning Moments

(16:26–20:32)

• Both experienced major setbacks due to misplaced trust in financial advisors:
  • Ended up with nearly a million dollars of debt due to mismanaged investments and poor tax structures.
  • “We ended up in hundreds of thousands dollars worth of debt, which we had to swim out of for two years.” — Brendan (16:44)
  • Missed out on $800k from inherited stock due to not selling when advised.
• Influencer Reality Check:
  • Even while presenting a luxury lifestyle, they were sometimes in debt behind the scenes.
  • “You could see you in an amazing outfit at the Peninsula in Paris DJing and have no idea that you’re actually in debt.” — Haley (20:20)

4. Influencer Economy: Spending and Image

(20:32–22:20)

• Brendan: Spends < $1,000/year on clothing, leveraging work “gifting.”
• Hannah: Deals with pressure to invest in her image; shops smart and mixes high/low.
  • “There’s so much data around looking good in the workplace—how it’ll increase your income up to 30%.” — Haley (22:02)

5. Money Mindset: Childhood and Upbringing

(22:45–26:22)

• Hannah:
  • Parents divorced, learned about alimony at 18; grew up affluent yet shielded from direct money talk. Had a “blue AmEx” with an allowance in college; got rides to school with a driver.
• Brendan:
  • Raised in rural Canada, learned about money through “negative” discussions and observed his dad leveraging finances over his mom—even as adults.
  • “My dad continues to hold money over my mom’s head... I’ve watched my dad cut my mom’s credit cards up.” — Brendan (26:20)

6. Managing Money as a Couple

(26:23–28:16)

• Started with separate finances (Brendan’s decision), merged as they built trust and started a business together.
• Now have “super similar” spending habits; Brendan reviews statements line by line, Hannah feels “reformed.”
  • “If someone wants to change, they will.” — Hannah (28:16)

7. Prenups, Postnups & Family Legal Structure

(30:56–34:36)

• Married initially for Brendan’s visa, did a postnup (not a prenup).
• “We knew we were gonna get a prenup, but it was actually a postnup...” — Hannah (32:59)
• Regularly refreshed wills and life insurance after kids; recommend others do the same.

8. Kids & Financial Education

(35:04–39:39)

• Kids are in content—struggling with privacy but manage safety and boundaries seriously.
  • “People really love [seeing our family], but at the same time, I’m aware of the dark side of the web...” — Hannah (36:13)
• Kids are formally employed for branded content earnings, with custodial Roth IRAs set up for them.
  • “We pay them, we max it out for them each year because they’re in a lot of our content.” — Brendan (38:25)
  • “That is all tax-free wealth... you can start it as early as zero years old.” — Haley (38:37)
  • Deliberately plan to delay trust access well into adulthood to preserve ambition and responsibility.

9. The Realities of Generational Wealth & Internet Rumors

(39:43–48:01)

• Address misconceptions about Hannah using family money—she decided to cut herself off from trust payouts and build her own wealth.
  • “That mentality created a beast. Hannah is a monster now in, like, a financial way. She works so hard. That one paradigm shift changed everything...”—Brendan (44:02)
• They did use trust money for an apartment down payment, but repaid it in full.
  • “We used money from her trust for our first down payment...as soon as we could, we paid it back.” — Brendan (45:59)
• Their current wealth (homes, lifestyle) derives from business, partnerships, and disciplined financial planning—not simply inheritance.
  • “To me, it was just an interest-free loan that we were super lucky to get.” — Brendan (46:10)
  • “We haven’t paid for a business flight maybe ever that hasn’t been a points upgrade.” — Brendan (45:28)
• Monetization hack: Product partnerships for home renovations and content.

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Notable Quotes & Memorable Moments

• On Collective Bargaining:
  • “Negotiation is the most lucrative skill you’ll ever learn.” — Haley (07:10)
• On Money Mindset:
  • “If someone wants to change, they will.” — Hannah (28:16)
  • “That one paradigm shift changed everything for our relationship, our stability, your drive, your destiny to succeed.” — Brendan (44:02)
• On Public Perception:
  • “If you don't have a Reddit thread on you, you're pretty much irrelevant in my opinion.” — Brendan (41:02)
  • “Let’s shut down the haters... everyone who says they are just not really [working for their success].” — Haley (45:42)

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Timestamps of Important Segments

• 02:22 – Candid opening; why public chatter (Reddit) matters
• 04:00 – The MDJ Market Report (salary, peptides, wealth tax)
• 13:51 – Rapid fire “financial ick” questions
• 16:26 – Financial missteps, losing 800k
• 20:32 – Influencer lifestyle vs. real financial status
• 22:45 – Childhood money stories
• 26:23 – How they merged finances as a couple
• 30:56 – The prenup/postnup process
• 35:04 – Kids in the business; social media and safety
• 38:25 – How to set up a custodial Roth IRA for kids in content
• 39:43 – Handling generational wealth, myth-busting trust fund rumors
• 45:59 – Using, then repaying, trust funds for property

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Tone and Style

The episode is witty, frank, and rich with both actionable advice and relatable anecdotes. Haley maintains a conversational, sometimes sassy, and always approachable style, encouraging her guests to be vulnerable and transparent. Hannah and Brendan are honest about their missteps, proud of their progress, and open about privilege, privilege management, and building generational wealth responsibly.

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Summary prepared for listeners seeking the real stories and financial wisdom beneath influencer glamour. For more pop-finance, drama, and smart money moves, tune in weekly to Financial Tea with Mrs. Dow Jones.

Transcript

[A]

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[B]

If you don't have a Reddit thread on you, you're pretty much irrelevant in my opinion. You know, like you need people talking about you or like you're not doing it.

[C]

This is going to make the Reddit

[B]

no light it up.

[C]

Light it up, baby.

[B]

Light up more. It's the.

[C]

See this.

[A]

This is Financial Tea. Welcome back to Financial Tea, the podcast where I teach you how to build wealth with a side of market drama, money scandals, and of course, financial pop culture. And today we have two incredible guests, Hannah Bron and Brendan Follis. Okay, low key. You guys started my career because I was obsessed with you both. And then when I was thinking about adding a manager to my team, I was like, of course I have to work with Gabe. Cuz you would always post about Gabe and I, like, pursued him.

[C]

I love that. I also had to pursue Gabe.

[A]

Really.

[C]

He only had eyes for Brendan.

[B]

That's true.

[A]

But first, let's get into the MDJ Market Report. Welcome back to the MDJ Market Report, sippers. These are the three stories you need to know to see where the money is moving this week. Okay, the first thing that we need to talk about are the Devil Wears Prada salaries. The numbers just dropped. And Meryl Streep, Anne Hathaway, and Emily blunt each earned $12.5 million to return for the sequel. And they did it through a deal that really resembles the deal that the cast of Friends did because it was a favored nation seal, which means that everyone got paid the same number. And this is very strategic for talent because when you align your interests in that way, you strip the studio of their most powerful weapon, which is the ability to, like, play stars against each other. So it really is a masterclass in collective bargaining. And just funny that last week, Lisa Kuier was telling us that this is how the Friends cast was able to make so much money. And also this is obviously how stars the Devil Wears Prada are making a lot of money too. But what's crazy here is the Meryl Streep of it all, because she could have commanded significantly more. Like, there is no movie without her. But she still took less to make sure that her co stars ate too. And they didn't stop there. Obviously, they got a little bit of the back end. They negotiated box office bonuses on top of their flat fees. And seeing as the film has already earned $433 million globally since its release, up from $326 million for the original, which was made on a $40 million budget. If this run continues, each actress could see an additional $20 million. But also on this press tour, Meryl Streep has been talking a lot about money. And she said that in the original movie, like, when she was negotiating that contract, she walked away. She was like, I actually don't Want to do this movie like I am. Good. I can retire. I'm gonna go to the beach and unless you double my salary. Eager to have her. That they did. And so. And she said that was like the first time in her life that that had ever happened and she realized the power that she had as a negotiator. So this is really also a kick in your ass to ask for more. Seriously, negotiation is the most lucrative skill that you will ever learn. You will shock yourself with what you are able to get simply by asking whether it's your credit card company negotiating medical bills and of course, with your employer. Ask for more. Oh, and I also want to say that they all got a piece of the back end too. And the movie has absolutely blown through all of its records. So they're each going to get an extra $20 million in bonuses. Okay, now let's talk about Peptides, baby. I know it's sort of weird that we haven't talked about Peptides yet on this show, but yes, GLP1s are definitely a big part of the conversation. They are making everyone skinny. But they are also low key, restructuring the entire American economy. And I went into a black hole this week learning about it. And we need to discuss the data because seriously, these diabetes treatments have gone from like, cultural moment to full blown economic force. One in eight adults, you guys already takes one. And as of January, they released the pill for $149 a month instead of $1,000 for the shot, which in four months has netted 2 million prescriptions from 70,000 pharmacies, which is the strongest GLP1 launch in history. But what's crazy is that these drugs have a huge ripple effect on the economy. Like GLP1 users cut grocery spending by 10%. Chips and baked goods are down. Fresh vegetables are up 38%. Doritos has losses. And Morgan Stanley find that GLP1s also reduce alcohol consumption by up to 75%. And the top 10, 10% of drinkers account for 60% of all alcohol sales. So you do the math. And then there's airlines. Airlines could literally save a combined $580 million in fuel if America gets 10% skinnier. So Goldman Sachs said all of this could add 0.4% to US GDP. And by 2035, 31.5 million people could be on these drugs, which would save $264 billion in health care costs. Like, this all just really blew my mind because we think of drugs as healthcare stories. But if that drug changes what people eat, drink and Weigh on a plane. It's also a macroeconomic story. So, like, the question isn't really like, which industry is getting hit, it's which ones are ready to get hit. Other topic, very close to my damn heart, wealth taxes. You guys, I've covered this a lot on Mrs. Dow Jones. They're having a moment. New York just announced one. California has a billionaire tax headed for the November ballot. We're seeing like every celebrity and their mom move to Florida to avoid one. Bernie, of course, always Bernie proposed one federally. And politicians love these taxes. I feel like they're. It's a really good thing to just like put in your campaign. People are going to vote for you if you talk about it. But I just want to actually break down what happens when you try to collect on them. So, okay, in New York, for example, Mayor Mamdani posted a video outside Ken Griffin's $238 million penthouse announcing an annual surcharge on properties above $5 million owned by non NYC residents. And it got 470,000 views. Griffin, of course, called it like creepy and weird and said New York, does it welcome success and announced that Citadel is expanding in Miami instead, which would potentially be them pulling back on a $6 billion redevelopment that would have created 6,000 jobs. Okay, now let's talk about in California, what's happening as they try to do this. So in California, they're trying for a one time 5% tax on billionaire net worth, which is estimated to raise $100 billion, and it just got 1.6 million signatures, which is double what it needed. But then Larry Page, Sergey Brin, who founded Google, and Mark Zuckerberg left. So that is an estimated 38% of California's billionaire wealth just out the door, which would potentially cost $4.5 billion a year in lost income tax and wipe out the gains of this before a check is even ever written. And here's the thing, the story has also played out before. Like in 1990, 12 European countries had wealth taxes, but today only three do. And then if you look at France, they lost 42,000 millionaires before scraping their wealth tax in 2018. Or look at Norway. Norway raised its wealth tax and more ultra wealthy households left in 2022 than in the previous 13 years combined. So yes, like I said, politicians love the idea of a wealth tax. I think it really does, like, help you get votes. But history is less enthusiastic, which is why I'm really skeptical of them. Like, I definitely think that we need to tax the ultra rich more heavily, obviously. But a Wealth tax has historically failed to generate revenue in other countries. So I would rather, like, I don't know, maybe just reform the tax code. Like, have a tax on anyone with over a billion dollars in assets. Maybe, like, close some of the loopholes billionaires use to stay rich. I just think it never works. And so I don't understand why we're even going down this road when there's so many other solutions that could get us to more income equality. Okay, let's go into our episode now. This was one of my favorite episodes we've done. Hannah and Brenda were amazing. I'm really excited for you to hear it. So stay rich. Okay, if you guys know me, you know how absolutely obsessed I am with my mini black poodle Mystery. Like, sometimes I just stare at him and honestly tear up because, like, it's just, I can't believe that I gave birth to him. It's that real. And if anyone gets being dog obsessed like this, it's Ollie. They are relentless about delivering the best food and experience for you and your dog. 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And make sure you tell them we sent you for a travel.com financialtea before we start the show. Before we jump into the real interview, we always ask three rapid fire questions. So the first thing is, what gives you the financial ick?

[B]

I can tell you what gives you the ick. Just reviewing finances. That's your ick.

[C]

I really do not like to review the finances. I love to go to lunch with my financial team, but I do not love.

[B]

Yeah, but while you're there, you're just talking about having lunch in life and what's you love talking about what's upcoming that's going to power more of finance.

[C]

Yes, exactly.

[B]

You don't like reviewing foundational elements.

[A]

No. You like the culture around reviewing your finances, but you don't like the nitty gritty.

[B]

No. She likes like the tossed salad and the caviar that comes with reviewing the finances.

[C]

I also know another financial ick that I have. I hate raising money.

[A]

Which is so crazy because you're a vc.

[C]

Well, not anymore.

[A]

Oh, okay. So we got to get into that. Yeah, yeah, that's hard. We were just talking about that. Like I'm on my book tour and I am asking for many favors and it can feel very icky.

[C]

Like it's so icky.

[A]

There's an art to it.

[C]

Really is. And for those who don't have it, it's a really hard thing to learn.

[A]

And you think that it is sort of. You have it or you don't.

[C]

I do.

[A]

Okay. Love it.

[C]

Yeah.

[A]

What about you, Brendan? What's your financial ick?

[C]

I know what yours is.

[B]

Oh yeah? Tell me. I'm ready.

[C]

You just do not like when something is not optimized. If you heard any friend say that they booked a trip without using points or without, you know, doing their plus points for the upgrade or booking, looking at multiple sites, it's really.

[A]

It hurts your soul.

[C]

The non optimization optimization. It hurts you inside.

[B]

It bothers me a lot just that people don't even explore the intent of betterment in finance. You know, started to date Hannah, then I'm like, what do we need to like, figure out what's going on behind.

[A]

Yeah, yeah, yeah.

[B]

Like where's your foundational elements? And it's like I started to look into all these companies and like there is just no optimization. It's. She'd inherited it from, you know, dad or grandpa or whatever in accounts. And like I just always said to him, like, we're younger, we're smarter and we know more people at this point who are younger and brighter. Like let's go explore working with those people. And we restructured our whole team.

[C]

And also it took us a long time to even get to the team that we are now super happy with.

[B]

We failed along the way.

[C]

Yeah. We had major mess ups.

[B]

Major mess ups.

[C]

While trying to get to the best possible place.

[B]

Intros from other people. Like minded who introduced us to people who are good people but bad at that section of their job.

[C]

Wow.

[A]

Okay.

[C]

That's crazy.

[B]

And put us in a very bad financial position when we were crushing it twice.

[C]

Wow.

[B]

Two different sections of our finance buried.

[A]

What exactly happened?

[B]

It's like tough to even say but

[C]

like, well, one scenario we ended up

[B]

in hundreds of thousand dollars worth of debt.

[C]

Yeah.

[B]

Which we had to swim out of for two years.

[C]

Which we're now out of.

[B]

Dude. Investing in things and moving money to things that we were just like trusting the process and not. It's a bit our fault too because

[A]

you had your due diligence.

[B]

All the due diligence. But that's why you hired someone to trust them. Like I don't have time to. I mean we should have time and you should read into it and like, glad to be super. AI is super helpful in this scenario because like you could vet things more and understand like the jargon. But you know, we were just pumping incoming and we were having great years and like some of the best years of our life. And then we ended up with like almost a million dollars worth of debt. We're like, what?

[A]

That's so.

[C]

Yeah.

[A]

Because they were just investing it in companies that were going to zero tax

[B]

structures that didn't work.

[C]

The tax structures I think were more. More about that. I mean you can get losses on companies that you invest in and doesn't necessarily really hurt your bottom line.

[A]

Yeah.

[C]

But there was also a scenario where I got gifted a stock through a family member and we basically came up on 800k and then our money manager at the time didn't really ask us or have a conversation with us around if we wanted to sell it or get out and like keep it.

[A]

Yeah.

[C]

And the stock ended up going to zero.

[B]

Yeah.

[C]

So we. We missed out, basically.

[B]

Her dad invested in it early, which

[A]

we were gifted at 800k, so that's also the fair market value for taxes, everything. And then it went to zero. Wow.

[B]

Bad.

[C]

Really bad.

[B]

And this guy.

[C]

I mean, listen, it was 800K. He was like, it was 800K that we never had.

[A]

Yeah, 100%.

[C]

So.

[A]

Yeah. Yeah.

[C]

But that was the only mindset I could end up, like, living with.

[B]

But, yeah, but her dad, like, invested in early in some companies and he'd always, super. I want to do the same thing for our kids. You break that up amongst your children. So if it goes. If it works and everyone gets a little bit. Yeah. So he gave a piece to everyone, which was, like, so awesome.

[C]

Amazing.

[B]

He got in really early, was awesome. We were like. I have to remember, we were in the Peninsula Hotel in Paris on, like, a. We were DJing for a car. You were DJing for.

[C]

Brendan had just told me at the airport I couldn't buy a bottle of water.

[B]

I was like, we're flying business. Someone paid for it. We're two minutes away from getting free water on the plane. Like, yes. Don't even spend $6 right now. Like, that's how bad of a situation we were in.

[C]

Don't buy the water.

[B]

And she's like, I'm so thirsty. I'm like, it's only a couple minutes.

[A]

You're so thirsty. You couldn't even get a water.

[C]

We were flying business. There was going to be a bottle there. I was like, oh, my God. So then they woke up, like, the next morning in Paris, I was DJing for the. The Quail, which is like the car show that the Penins own. So there's one in California and there's one in Paris. And I had DJed both. And we were in Paris for the Quail.

[B]

And then Hannah's like, let's order room service. And I'm like, no chance. We had to put our card down. Oh, so, like, it. What? The brand wasn't paying for incidentals. And I'm like, a green juice is like €30 here. Like, could it be? No chance. And then while we're lying in bed, her dad calls. He's like, have some great news. And I was like, let's get breakfast.

[A]

I love it.

[B]

And we ordered breakfast. Little did we know we're still in the hole from that breakfast.

[A]

Yeah, but that's what's so interesting, too, about your lifestyle, is that even. And I feel like this is true. Influencers in general and not Specifically you guys, because I know that you're on top of your finances now and things are really like, have improved so much since then. But there is so much like luxury in what you're presenting, what people present. But then like the reality behind the scenes of what's happening can be so different. So like you could see you in an amazing outfit at the peninsula in Paris DJing and have no idea that you're actually in debt.

[C]

Yeah.

[A]

How much would you say that you spend on clothing per year?

[B]

Oh, me? Less than a grand.

[A]

Less than a grand.

[B]

I don't.

[C]

Brendan doesn't buy anything because it's all

[B]

incoming through the work we do. So to me it's just a game of how can I make. I haven't paid for one thing. I got this shirt last week from Beckham. These are rag and bone.

[A]

Yeah.

[B]

Free Converse.

[A]

Yeah.

[C]

Oh.

[B]

I buy these socks traditionally on Amazon

[A]

twice a year, but it's very different as a girl because your image is so meaningful. Like so much of what we like.

[B]

I. But I do all the dressing and I do all the gifting. So the PDFs come all week, all the shop, my links and I go through it all and I order and then we do try once and once a week.

[C]

Yes. It's a very.

[A]

You really got her to sketch.

[B]

It doesn't fit.

[A]

We have vulnerable type B.

[C]

If you're like, blink if you're okay.

[A]

Things are okay.

[C]

Don't worry.

[A]

We go through the PDF that.

[B]

Well, it's pretty chill. We smoke a joint.

[A]

Yeah.

[B]

One of us smokes a joint.

[C]

I have to get in the mood

[A]

to try things on you. Yeah, exactly.

[B]

Every time we're like, why don't we do a piece of content around this? Which we say every single time.

[C]

Every single time.

[B]

Content. And it's the funniest looks or outfits and like you're wearing full leopard print or like.

[C]

But I mean, there are obviously like my seasonal Zara purchases.

[A]

I like that. I've like shopped your Zara picks before. I like that you. You have to do Ty low. Yeah, I say that a lot to women too, because it's like, you know, there's so much data around looking good in the workplace, how it will increase your income up to 30%.

[C]

I love that.

[A]

And, and people. But I think are like, I had. I was on with Stod Guy and he was like, yeah, that's why you should buy an investment piece. And I was like, okay, but like, not everyone can afford like those like eleven hundred dollar Brunello trousers. Like unfortunately, like we do need mango. Okay. So research says that our relationship to money is solidified by the time that we are seven years old. And I think it was. Hannah, you were talking earlier about how growing up like money wasn't really talked about. I grew up the same way with wealth, but where it was just something that was not on the table as a discussion. Yeah. But how we grow up around money really affects us. So for both of you, what did wealth look like in your households growing up? Like maybe you could speak a little bit more to that.

[C]

So I guess wealth in our household. First of all, my parents divorced when I was 2 years old. So young, very young. And I didn't even know about alimony until I was. Yeah, until I was like 18. Because that's when I actually saw my parents fight about money for the first time.

[A]

Oh, because it was off the.

[C]

Because now that I was Cheryl.

[A]

Yeah.

[C]

Well, now that I was out of high school, you know, things were renegotiation. And so that was really the first time I even understood that my father was bankrolling my mother's lifestyle. And you know, my entire life, I mean I obviously knew that I was on my parents payroll. But like there were certain things that, you know, I know I like for instance, I had a cell phone when I was 14, I got my first phone and I almost felt like my phone was on a family plan. Like it was very much like they were all every. Everyone had eyes on, at least my sort of thing. I never, I got my first credit card when I to college and that was like the, the blue Amex where I had an allowance. It wasn't like unlimited spending. That's also when I learned my dad's credit card number by heart.

[A]

Yes.

[C]

And that was really what supplied my shop up addiction in college very early.

[A]

Yes.

[C]

But you know, I would always have to ask my parents for cash if I was going to go out on the weekend. But then at the same time also, you know, when I was in lower school, my dad would come and pick me up every morning from my. To take me to school with his driver. And when the days that he couldn't pick me up to go to school, his driver would pick me up.

[A]

Yeah.

[C]

So it was like I had a driver that took me to school. I knew that my dad had these, you know, was a high powered executive in the entertainment industry. But like I didn't have a credit card, I didn't have a cell phone. Yeah. And that was totally, that was totally normal.

[B]

Then I had a driver who Drove a bus.

[A]

And then Brendan, you were. You grew up in Canada.

[B]

Yeah.

[A]

So tell us more about that.

[B]

I grew up in a very small farm town in Canada. Still 2,500 people, one stop light. That's. My parents still live there.

[C]

Everyone in this room shout out to Durham looked up at you.

[A]

Oh, that's cool.

[B]

It is cool to someone. No, I really appreciate my roots and that I'm from there. Happy to not currently reside there, but beautiful little place in the world.

[A]

But Brendan, you came into the relationship with Hannah with much more financial confidence than it sounds like you had. Hannah. So where'd that come from?

[B]

I mean, I think mine just comes from. I don't come from a family who had the means that your family had. And we also just, we discussed money a lot in a lot of negative ways. My dad continues to hold money over my mom's head. Like it's everything.

[A]

It's insane because he works, she doesn't.

[B]

Or they both work, he works, she doesn't. But he told her to stop working when she would have liked to. But it was an era back in that day. It was like cool to. Or not cool, but like you were more successful if your wife didn't work or whatever.

[A]

And she was.

[B]

And by the way, being a mom is a full time job. We all know that. Or being a parent. But you know, she did a fantastic job raising us and I'm super thankful for it. But you know, money was like a, a negative thing to. I've watched my, my dad cut my mom's credit cards up.

[A]

Wow.

[B]

In the last five years.

[A]

So in your relationship though, do you both have money that the other person doesn't have say over? Like how do you manage your finances? Who would you say?

[B]

No, we're all.

[C]

No, we're all connected.

[B]

We at one point we had separate bank accounts for a while because I was largely on my decision because I was. When I started making my own money, I was just so into my own, seeing my own success in a pillar and I was trying to hit goals and understand if I get out of debt. I also didn't like how she spent at the start of our relationship because her spending was just different than mine. I'm super frugal, as you can tell from this combo. And I just couldn't let go of the idea that I could share. Like I didn't want someone else to bring me into a zone that I was controlling that I was in, you know. But then whatever, after a while I was like, this is so there's so many tax advantages to being together and cleaning income as a married couple and. Yeah, all these things.

[C]

We've also been together for 14 years. So like just for context, you know I think like probably the first seven years, eight years we had separate finances and then in the last seven years we've had joint finances.

[B]

Probably true. I don't know.

[C]

Or maybe it was like the first five years we did it in the last nine years we have or something.

[B]

Also like we own a company together. All our income goes into one hold coat. You know it's like just everything and then we can all our expenses. You know there's so many write offs being entrepreneurs and.

[C]

Yeah, whatever.

[B]

So we, it just makes so much sense.

[A]

Yeah.

[B]

And we're. Our spending is super similar now. I mean as you have the ick. I go over every credit card statement line by line and look and see but she'll be like oh my God. I didn't even.

[C]

You know, it's like but I've been reformed.

[B]

Yeah.

[A]

Yeah. It sounds like a really positive impact.

[C]

Like people say people can't change and I like to say that is not true. If someone wants to change, they will.

[B]

100

[A]

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[B]

We did a post note.

[C]

Oh, wow.

[A]

Okay. So what'd that look like?

[B]

Because we got married for my visa. So I was. My visa was running out and I was like, listen, can we back up?

[C]

Brendan proposed on the boat.

[A]

And then you hurt your teeth. Obviously, I was a follower at the time.

[C]

Oh, my God.

[A]

Or on a bike.

[C]

Oh, my God. Yes.

[A]

I remember the whole thing.

[C]

Oh, my God. Wow. Okay, so, yeah, so Brendan, we have

[A]

a real relationship, but also so parasocial.

[C]

Like, Brendan proposed. There was a trauma, but then we. But then we realized that obviously we wanted to get married. I wanted Brendan to have a visa. I knew we were going to be together for long. It wasn't like we got.

[B]

I had a visa.

[C]

Oh, sorry for the green.

[B]

And I was like, hey, I can go apply for another one of these. Fine to do it. But like, we're gonna. We're already engaged.

[C]

Yeah, we're already engaged.

[B]

So we must get the green card process going.

[C]

But that also meant that there was going to be a hundred days where we couldn't leave the country. Where he couldn't leave the country. So I was, like, looking at the calendar because originally we were gonna, you know, prolong the situation. But then I was like, you know what? The only next hundred days that we have is like, in this quick block, I can't leave. Yes. So we got engaged in. In August, and we got married at the courthouse without telling anyone in our family in October because our lawyer, my

[B]

immigration lawyer was like, listen, you can tell your family, but a lot of times more than Half the times you tell people got legally married, they're like, why are we even. How are we having a wedding? And it's just, like, paperwork, but parents get obsessed with it, and they're like, yeah, you're at a wedding.

[A]

Yeah.

[B]

I told my friend that she did it right after us told her parents, and they were so upset, and I was like, ah, I told you. Yeah.

[A]

So when did they find out?

[B]

We told them after.

[C]

After our wedding. Wedding?

[B]

We got married at 10 in the morning in Morocco, and we told them at, like, 10:30. And they were like, what? But they're so happy you're celebrating.

[C]

I don't even. It will probably win in one ear,

[A]

not the other, but I'm surprised that your dad was not like, hannah, you're getting married. Here's the prenup.

[C]

We knew we were gonna get a prenup, but it was actually a postnup because you couldn't tell anyone to leave

[A]

it in the time before the big wedding.

[C]

Yes.

[A]

So you got legally and then the postnup happened in the time between October and when the Moroccan.

[B]

Yeah, we did the postnup. Post wedding.

[C]

We did, yeah.

[B]

Post our real wedding.

[A]

Yeah. Oh, wow.

[C]

We did not before.

[A]

Was your dad pissed?

[B]

No. He was like, no. This is so nice.

[C]

Like, we also.

[B]

Most people would be like, we're married. Like, not most people, but if you were in the relationship for the wrong reason, you'd be like.

[C]

Which is a huge red flag.

[A]

Yeah.

[C]

Brendan and I were always very, very communicative. And we knew from the beginning that we were going to have a nap. Prenup situation.

[B]

Even after we got engaged, we redid, like, our wills and situation and, like, so you know what the other person's about. Cu. I was like, I don't even want a dollar. Like, I'm. And they're like, you have to, like, you can't just take nothing. Like, you have to take, like, a dollar. Why? You know, like, I'm fine out here working for myself.

[C]

So it was a whole thing. And we just did it with. With our lawyer and. Yeah, it was. We did it with my family lawyer.

[B]

Yeah. Who.

[A]

Was there any, like, clauses that you remember? Like, what was, like, the breakdown, the post note? Yeah.

[B]

No idea.

[C]

I don't know. It seemed very straightforward.

[B]

We probably need to redo it now we have kids and. Yeah.

[A]

Yeah. People. Beyonce has redone her prenup multiple times.

[C]

Oh, really?

[A]

Yeah.

[C]

We should probably look into that. Something we haven't refreshed in a long time. Definitely not since having Claude. Maybe we did something after Preston.

[B]

No, I think we just did the. Redid the will.

[A]

You gotta get the will and the life insurance going.

[B]

Life insurance is cranking huge.

[C]

But we have the life insurance. We have. We have the will, we have his. Like the kids guarantors or whatever.

[A]

The kids guarantors?

[C]

Wasn't that what they're called?

[A]

The kids?

[B]

No.

[C]

If we pass away, we pass away.

[A]

They called a guarantor. Oh, I'm out of my nephew.

[C]

I think so.

[A]

Yeah. I feel really good about it.

[C]

My cousin is ours.

[A]

I'm always like, this would be like a Sandra Bullock movie if, like, you both died and then I got my nephew and, like, I have to, like, start over, like, with this baby, like,

[B]

going, Sandra Bullock, actually.

[A]

Thank you so much. Your kids are in a lot of your content, and I. You were just in this big TOMS campaign. It's everywhere.

[C]

And.

[A]

And so, first of all, where do you draw the line between family and business? And also, how do you handle your kids as basically employees? I would say.

[B]

Yeah, we employ them.

[A]

Okay, wait, so do they get paid for your content?

[C]

Yes. But before we go into. And I'll let you kind of spearhead the financial side of this conversation, I just want it to be known that I do struggle with the fact that we fully have jumped in and our kids are on social media. On our social media. In the beginning, it felt like because I had shared so much about our journey and our struggle, the IVF to get pregnant. And then when we finally did. Yeah, it just felt like Barack Obama. Of course I needed to. Yes, the Barack. Yeah.

[A]

Yes.

[C]

Of course I needed to share my kids with this community that was so invested.

[B]

And a lot of times people comment on it. Like, even on my YouTube, whatever. Like, thanks so much for sharing. Like, it's so polite.

[C]

Yeah. But at the same time, thanks for

[B]

sharing your kids lives with us.

[C]

Like, people. People really love, and they have so many Internet aunties, and it's amazing. But at the same time, I'm very aware of the dark side of the web and all of the predators and all the things and all the things that I now have subjected my kids to, whether I like it or not, that exist with putting your kids online. So it's something I struggle with all the time.

[B]

There's some weird moments, like, we landed in nice, like when Preston was 2 and someone's like, Preston, whoa.

[A]

Yeah.

[C]

So we have to talk to our kids about safety and code words and

[B]

how we prep our au pair about, like, if people come up, they might not know.

[C]

Yeah.

[B]

You know, like, you gotta have a sense.

[C]

So we take a lot of precautions and safeties in our own home that we talk to our kids about to prepare them for these types of scenarios. But it's not lost on me that I know, you know, it is a really big topic and it's one that I feel like I'm a living guinea pig for.

[B]

We don't specifically put them on there to monetize. Like, it's not like, there's definitely like, we're not like, hey, do this, like, act so you can.

[C]

No, because I was like, I don't want to be filmed right now. Like, oh, okay.

[A]

But do you get more views when they're in it, though? Like, I feel like Claude's gone super viral.

[C]

Claude is a viral girl. She's just. I mean, the attitude she gives is like, no other.

[A]

Yeah, yeah, yeah.

[B]

But again, those are like, not planned moments. You just happen to catch them. It's not like you're like out there trying.

[C]

No, she just loves her reflection. So I usually just like put the camera up and let her do her

[A]

thing is she's such.

[C]

Whether she's peeling her egg quietly to herself, you know, that was like such a random. I was like, I just needed her to be engaged while I was getting other things done. You know, she was just looking at herself peeling her egg. It was unbelievable.

[A]

People are like, like, she peels an egg better than I do. Okay.

[C]

But anyway, you can go into.

[A]

Okay, tell us about the custodial Roth ira. Because when your kid works for you or has a job in general, you

[B]

can write off a certain amount of money by putting.

[A]

You can, yeah, create both. Basically a Roth IRA for them. But it is.

[B]

And then it's just. I mean, it's earning interest year over year. It's incredible.

[A]

It really does. Like, you can.

[B]

So we pay them, we max it out for them each year because they're in a lot of our content. And then like for the TOMS campaign alone, it just maxed it out in one thing. So it was perfect.

[A]

That's amazing.

[B]

That's so 15k.

[C]

Yeah.

[A]

Like by the time they're 60, they're going to. And that is all tax free wealth. Because custodial Roth IRA is the same as a regular Roth IRA, but it is for kids who are under 18. The parent manages it, sets it up for them, invests it, most importantly. And you can start it as early as 0 years old. But of course, no one has a job when they're zero. So it really is the kids that can do that are, like, if your parents or, you know, your Beyonce's kid. And, you know, I think you're Northwest, dear Northwest. Saying on the song Glory, when she was, like, two days old, she cried

[B]

on it like, our kids are in our. Like, in our. We would have no problem backing up that it's a real income.

[A]

A hundred percent. Yeah. Yeah.

[B]

I don't feel like I'm just, like, using a loophole. It's like, no, that is there for this, and we're lucky that the Internet put us onto it. And then we brought it to our accountants. They were like, for sure.

[A]

Yeah. It's also crazy, too, how much growth you can have just by starting early. Like, 100%, you know, whatever. You guys are able to create interest

[B]

compounding year after year after year for the next 19, 20 years.

[A]

So crazy.

[B]

Then. So then, you know, a friend of mine who I knew in New York who would, like, sleep in my bed and weird. Like, he was. He had, like, not a lot of money, but he was a great guy. But he didn't get his. Like, couldn't use any of his money. His parents left till he was 50, which I kind of like. Like giving someone money when they're 21 or whatever.

[A]

No, I think it destroys ambition.

[C]

I couldn't do that.

[A]

Yeah. I didn't have any.

[B]

I think it should be late. Like, you have to show, improve and make. Make it. And then, like, that is a nice.

[C]

Yeah. We've continuously moved back the years for. For my small trust that I have.

[B]

Yeah.

[C]

That my parents. That my grandfather. My grandmother, actually, let me correct myself, My grandmother.

[A]

Yeah, you heard her. That's a female mother.

[C]

Yes, but.

[A]

But speaking of that, like, you know, I remember once I was talking to you, and we were talking about trust and generational wealth, and you were saying that, like, everyone thinks that you're just using your parent, your family's money to get all these things. And it's like, no, you actually haven't touched. Can we clear this up? Yeah.

[B]

Yes, this is. And I would love to, because people.

[A]

Okay, let's speak.

[B]

By the way, we love chatter. If you don't have a Reddit thread on you, you're pretty much irrelevant in my opinion. You know, like, you need people talking about you or like you're not doing it.

[C]

This is gonna make the Reddit.

[B]

No, light it up.

[C]

Light it up, baby.

[B]

More. It's like the best free PR of all time. We have people all the time. Like, we can take your Reddits down like, a thousand of Posts. I'm like, this is the greatest pr. I would pay for more of them. This is incredible.

[C]

I don't read them.

[B]

Yeah, yeah. You cannot read them.

[C]

I don't need to.

[B]

Yeah, I know. I read all of them. It's hilarious. Hilarious. Anyway, when we started dating, Hannah was living in this old synagogue at Rivington and Ludlow.

[A]

It was a sick apartment.

[B]

We came back from Miami after meeting. She's like, come over. I came over. I was like, damn, this girl's killing it. Like, this is amazing.

[C]

My first apartment out of college, which

[B]

you didn't even see. Your friend went and sun my best friend.

[C]

I was in the middle of finishing up my senior project, and I, like, literally needed to move into a place. As soon as I left school, I had my best friend go look at this apartment, sign the. To, like, send me the lease. I signed the lease, and my dad was going to pay for, like, the first year and a half of my rent. Out of college.

[B]

Yeah. So then I go there and I'm like, place is sick.

[A]

And.

[B]

Yeah, no, like, I just met her in a nightclub. I was like, oh, man.

[A]

Yeah, like, I really live.

[B]

And are we on the jet next week? Like, what's up? You know? And I have, like, no idea about her. And then I started having friends over and they're like, sick. Like, this place is great. Like, what's this person do? And I'm like, like, not much, you know? And then, so then I'm like, she DJs sometimes. Yeah. She's, like, trying to get this rare seed library going with her, like, old gay friend, you know, like, up to some entrepreneurial things.

[C]

Anyway, listen, if you're in the food world, you know how important it is to, you know, really seeds. Those seeds, heritage seeds. We don't have a lot of them. Everything's a channel.

[B]

So then after a bit, I'm like, people are coming over and, like, there's no answer. And I'm like, this is a bad look, Look. So then I'm like, where's the money coming for this? What's happening? So then I start digging in a bit, and then it's like, oh, well, I get a draw monthly from my trust. And I'm like, why? She's like, well, that's what they do. That's what trusts are for. I'm like, no, not really. She's like, yeah, like, how else would I have money to go do these things and, like, buy shoes and stuff? Like, you'd work. Why don't you live like us for a bit. And she's like, what does that even mean? I'm like, like, here's what we're going to do. And that's when it all started to.

[A]

This is a rom com I need, by the way.

[B]

This is like, let's look under the hood and see what's happening. So we moved into the coolest apartment at 50 Spring, which was now shout out Cava, because it's there. tore it down, but it was a cabin in the back.

[A]

We basically do another one for your business. I remember Ava Donaldson work with you.

[C]

Yeah, yeah, yeah. Ava Donaldson. Shout out to Ava.

[B]

So we moved in there, which was a better financial decision. Now we're obviously splitting rent, so it's good. But then it was like.

[C]

But I wasn't all. I wasn't, like, completely out of it. Like, I had a. An assistant that I had made up. That was me. That was how I was negotiating my fees at these nightclubs, because I knew all the owners. I didn't want to, like, be the one to be like, hey, you've got to pay me 200 tonight instead of 75.

[B]

It was a genius.

[C]

So I was, like, trying to move the needle.

[A]

Yeah.

[B]

But then I was like, okay, but if you really want to live like us who aren't earning money from trusts. Which I then got in arguments with her other friends who are set up the same. Like, that's what it's for. I'm like, it is not like you're making 60k at work and you're spending 200 a year because don't touch the principal. It could just be earning you more money to set back, and you should just understand. And Hannah was like, I'm down for the challenge. And she's like, we made the call to her accountant was like, cut it off. And it was like, cool. Now it's what you earn. Like, eat what you kill. And that mentality created a beast. Hannah is a monster now. And in, like, a financial way, you know, like, she worked so hard. She's such a hustler. That one paradigm shift, like, changed everything for our relationship, our stability, your drive, your, like, destiny to succeed in all this, you'll lessen. You'd be like, you. You. You created this for me. Now you're taking it away from me. So to come to it on your own terms, to me, is, like, incredible.

[C]

And in my best, like, financial year, I made close to, like, 5 million bucks, which was a couple years ago. I mean, we've had ups and downs over the last 14 years of living online. But like I've been.5 million is a lot. We also were in debt. You know, like there's a lot of stuff behind the scenes that people think. People like think that like you said that. Like I like that. This work that we do is all like three.

[B]

Flying business, ourselves. We haven't paid for a business flight maybe ever. That hasn't been a points upgrade. That's how we pay for them. But otherwise like we're just getting. It's part of the job. Like we earned it through our work and lifestyle, you know.

[A]

That's pretty amazing. So, okay, so shut down the haters. Everyone who says that they are just not really.

[C]

Don't keep the haters going.

[B]

We're here for them.

[A]

Yeah, absolutely. Still, you're inclined to your own opinion. But I will say that Hannah and Brendan like the house in the Hamptons. The apartment.

[B]

The house in the Hamptons is hilarious. People are like, oh, daddy's money bought it. Hannah's daddy's money. I'm like, cool, think what you want. Like we have, we used in full transparency, we used money from her trust for our first down payment on our apartment on 9th Street. Our first apartment. And as soon as we could, we paid it back in the exact same 430,000 we took out, we put back in. And I was like. Because to me it was just an interest free loan that we were super lucky to get. But we also matched our. We took 430, it was like 800. We put the rest of the money down ourselves, but used that. But it was like that was on our payback. It was on my learnvest. Like we were paying that back. And we paid it back.

[C]

And then when we sold our apartment, we used the capital gains to put the down payment on our house in the Hamptons.

[A]

Yeah, smart.

[B]

We rent it for about 110amonth.

[A]

That's a lot.

[B]

It's amazing.

[C]

By the way, they've done some great upgrades.

[B]

Yeah, the renters have to pay the expenses while they're there. What's the hardest time to run your pool, your ac, everything. So we don't pay any of that. We pay off season, you know, all the utilities off season, which is like just running Nest at 50 degrees, you know, it's like a joke.

[C]

And this is our first summer that we haven't had to rent. And so we are not renting our house this summer.

[A]

That's so cool.

[C]

And our kids are gonna go to camp and we'll just.

[A]

And Aunt Haley is coming over. Exactly. Yes. That's so the renovations will look a

[B]

little slimmer this year because I just can't. It's. I always just. It's like a net zero operation for me.

[A]

Yes.

[B]

But, you know, we get so many things. Get like Kohler is a big partner for us, so they pay us to put our new sauna and cold plunge. You know, like, yeah. It's a. To me, it's just gaming.

[A]

That's what's so smart about things. Yeah.

[B]

Yeah. For our house in the city, everyone's like, again, dad. Hannah's dad's money. I'm like, cool. Like, he would never spend a dollar on our house. A. Yeah. And I got 700 grand of product for our house.

[A]

So crazy.

[B]

And to me, that's like 1.5 million worth of equity. Because you renovate anything in New York City and it's like 2x.

[A]

Yeah. And also, like, as a someone who consumes your content, it's really fun to see, like, it works on both sides that you're getting those upgrades. But also, it is spring just slid into your dms. Grab that boho look for that rooftop dinner. Those sandals that can keep up with you. And hang some string lights to give your patio a glow up. Spring's calling, Ross. Work your magic.