Let's Talk Money 💰

Summary

LA PLATICA – “Let's Talk Money 💰” (September 22, 2025)

Hosts: Sebastian Robles & Josh Leyva
Episode Theme:
This episode dives into candid and practical conversations about personal finance, growing up Latino in the United States, adult milestones, and how social and economic realities have shifted over generations. The hosts discuss money management, credit pitfalls, saving and investing, and broader cultural shifts including adulthood, family, and success. As always, their approach is rooted in emotional maturity, community insight, humor, and real-life stories.

---

Episode Overview

Sebas and Josh—joined by friends and a financial expert—take a real, sometimes humorous look at money: from surviving overdraft fees, navigating family phone plans, to tackling adult financial “milestones” that are often out of reach for today’s young adults. They break down the importance of credit, how to use “interest-free” deals responsibly, the challenge of saving while helping family, the need for side hustles, the cultural pressure to “make it” early, and the importance of investing in yourself—whether that means education, networking, or simply believing in your own growth.

---

Key Discussion Points and Insights

1. Family, Phone Bills & Adult Money Moves (07:00–10:13)

• Aging out of your parents’ phone plan—Sebas’s mom urges him to save money by joining her AT&T plan, but Sebas wonders if, as a 35-year-old married man, should he finally step out?
• Latino family culture and money: Family often manages plans together as a way to save, but Sebas notes generational shifts: “I kind of broke her heart... I’m just gonna open one with Karen. Because... me and Karen don’t have a phone plan. We have our separate plans.” (09:46)
• Key insight: As you hit different life stages, it's common to re-evaluate how you manage money and independence.

2. Credit Cards, Pitfalls, and Hidden Interest (10:13–13:44)

• Interest-free credit offers: Josh explains how tempting “18 months interest-free” appliance deals can become financial traps if you don’t pay off the full balance in time:
  “If you owe any balance after that time is up... you have to now pay for all the past interest... How is this legal? This is crazy.” (11:53)
• Fine print matters: Many rely on busy-ness/lack of attention to make money off you.
• Financial literacy: Knowing the rules (or “hacks”) keeps you from getting burned.

3. Overdraft Fees, Struggling & Being Real (13:44–15:25)

• Josh’s honesty: “Bro, the amount of overdraft fees I’ve accumulated in my life is embarrassing, bro.”
• Survival vs. shame: Sometimes, overdrafting is about survival—cover rent or eat, even if you pay the bank later.
• Systemic critique: “They [banks] multiply that by millions of Americans, that’s how they make their money.”

4. Changing Milestones & the Struggle to “Make It” (15:25–19:39)

• Shifting timelines: Today, fewer young people buy homes, have kids, or even move out on their own as early as their parents did—largely because of finances.
• Cultural shift: Living at home into your late 20s or 30s is no longer seen as a failure—it's often a rational economic decision.
• Personal approach: “If I have the means to do it... she could stay with me forever... With my son it might be a little more disciplined—there needs to be some pushback.” (19:13)
• Value of independence and support: The hosts debate balancing support with pushing kids to stand on their own.

5. Budgeting and Saving: Does the 50/30/20 Rule Work? (21:33–23:37)

• Financial expert explains the 50/30/20 rule: 50% to essentials, 30% to wants, 20% to savings or debt.
  • Notable caveat: “This is so much easier said than done. Like this is, in a perfect world. Some people can’t save 20%.” (22:25, Josh)
• Relatability: Saving was always encouraged, but not always possible: “How do we save? We don’t… I don’t have much to save.” (22:37, Sebas)
• Cyclical struggle: Supporting family often eats into any ability to save or get ahead.

6. Saving, Investing, and the Need to Think “Outside the Box” (23:37–29:32)

• Saving alone isn’t enough – investing, side hustles, or “making money while you sleep” is often necessary.
• Investing in yourself: Courses, gear, or skills can be more impactful than just passive saving.
• Sacrificing for the long game: “Sacrificing time and investing in yourself is the biggest thing that you can do and you're not going to regret it.” (26:55, Sebas)
• Networking is critical: “Open your mouth. Not like that, but habla… [Networking] is probably one of the most important things you can do in your life.” (29:32, Sebas)
• Building connections is as essential as building savings or credit.

7. High-Yield Savings and Entrepreneurship (27:28–30:33)

• High-yield accounts: Financial expert recommends high-yield savings as a way for your dollars to work for you (even if it won’t “make you rich”—but it’s better than nothing).
• Entrepreneurship: There’s a market for everything now—side hustles, creative ventures, even candle-selling—if you’re willing to network and put yourself out there.

8. Courage, Growth, and “Fake It Till You Make It” (40:00–44:50)

• Fear, comfort zones, and self-belief:
  • “Courage doesn’t mean you’re not scared. Courage means that you’re scared and you do it anyways.” (Tony Robbins, 40:35, quoted by Josh)
  • “Fake it till you make it is, like, the best advice.” (41:57, Sebas)
• Growth is a process:
  • “Everybody has this idea of this person they want to be... constantly embodying that every day.” (42:13, Josh)
  • Referencing Matthew McConaughey’s “me in 10 years is my hero” quote: “You see every day, every week, every month... my hero is always ten years away.” (43:21, McConaughey clip)
• Balance ambition and realism: Advice meant for those who have the luxury to hustle and level up—not everyone has the same starting point, and that’s okay.

9. Pop Culture Interlude & Reflection (from 45:00)

• Extended riffs on favorite movies, TV shows, 90s nostalgia, and marveling at how pop culture shapes our identities (and even hairstyles).
• The laughter and deep dives into movies like Interstellar, Good Will Hunting, Twilight, Mighty Ducks, and more, reinforce an important lesson: inspiration, connection, and community are all part of "success," too.

---

Notable Quotes & Memorable Moments

• On generational financial literacy:
  “There wasn’t any, like, financial advice... It’s either black or white. You know what I mean? There was no, like, you know, like, there was nothing. And that’s fine.” (37:59, Sebas)
• On choosing when to move out:
  “Why do you want to move? Why do you want to spend money that you don’t need to? You’re just gonna put yourself more in a hole, you know, unless you got it.” (19:44)
• On making financial advice personal:
  “This advice that you’re giving is very specific to a person who might not be doing the most… There are also people on the opposite spectrum of that…” (38:30, Josh)
• On the necessity of networking:
  “I scratch your back, you scratch mine. Open your mouth. When it comes to life, you know, if shit hits the fan for me tomorrow, I know somebody that'll help me.” (29:51, Sebas)
• On chasing self-improvement:
  Matthew McConaughey’s speech (43:01):
  “My hero is me in ten years... That keeps me with somebody to keep on chasing… I’m never going to be my hero... and that’s just fine with me because that keeps me with somebody to keep on chasing.”

---

Timestamps for Key Segments

• 07:00 – Family and money management, adult milestones
• 10:13 – Credit card traps and financial literacy
• 13:44 – Overdraft fees, poverty cycles, and economic survival
• 15:25 – Changing adulthood milestones, cost of independence
• 21:33 – The “50/30/20 Rule” and the limitations of budgeting
• 23:37 – Saving vs. investing, sacrifices, and side hustles
• 27:28 – High-yield savings, entrepreneurship, and networking
• 40:00 – Courage, growth mindset, “fake it till you make it”
• 43:01 – Matthew McConaughey’s “hero in ten years” speech
• 45:00+ – Pop culture, nostalgia, and finding inspiration in movies

---

Final Thoughts

La Platica’s signature warmth and realness shines here: Sebas, Josh, and guests get honest about how hard it is to “make it” in today’s world, especially for those from working-class or immigrant backgrounds. They highlight the kind of practical, hands-on advice they wish they’d received—while still keeping it positive, funny, and actionable.

Whether discussing why networking trumps saving, or how financial traps are often hidden in plain sight, the hosts leave listeners both entertained and armed with genuine strategies for personal and financial growth.

Closing words:
“Subscribe to the channel if you’re not subscribed. ... Drop some names below. We’ll bring on Ronnie Banks... Thank you guys. Love you.” (60:16)

---

#MondaysDontSuck anymore with LA PLATICA!

---

Transcript

[Narrator]

Imagine if today was the day your idea changed someone's life. Imagine if you could help someone pay for college, help your community build a new playground, or help a child make it to that dream competition with GoFundMe. It's all possible. GoFundMe is the world's number one fundraising platform, trusted by over 190 million people every week. Ordinary people meet their goals and do extraordinary things. Your ideas matter. GoFundMe isn't just for emergencies. Want to raise money for your kid's soccer team? Or raise funds for a small business? A creative project or event? GoFundMe helps you turn ideas into reality and help adds up. Fundraisers you start for someone else, raise up to five times more. So think right now. Who could use your help? Change rarely comes from waiting. It comes from someone deciding, today I'll start. Don't wait for someone else to bring change today. Start your fundraiser in just [e-mail] that's gofundme.com to start your fundraiser. Gofundme.com this is a commercial message brought to you by GoFundMe.

[Josh Laybody]

What do you think Peasy Poo is doing on his phone? He on se, Geek.

[Co-host (possibly Emilio or similar Latino name)]

I'm on se.

[Josh Laybody]

SE is the number one rated ticketing app on the App Store for a reason. All right? They got the deals, okay? They got the concerts. They got the. The sporting events that you're looking for.

[Co-host (possibly Emilio or similar Latino name)]

Look for the green dots.

[Josh Laybody]

Look for the green dots because they're trying to help you out. Green D me is good. Red dummy's not good. You guys know this. If you're not using se, you haven't pulled out your phone and download a seatgeek. What are we doing here?

[Co-host (possibly Emilio or similar Latino name)]

La Platica 10 get 10% off. Yeah. Any ticketed purchase. And guys, I'm telling you right now, use seat because we will be at the Mana concert. And I promise you, if you see us, if I got to be by the bar the whole time buying you guys, ch, that's what I'm going to do.

[Josh Laybody]

Oh, yes. So make sure to download SE guys, use the code LA10 for 10% off. And if you're at the Monad concert, Sea's buying all the beers, so don't miss out on that.

[Co-host or guest]

We are.

[Josh Laybody]

He's buying all of them.

[Co-host (possibly Emilio or similar Latino name)]

Whatever. I'll buy them all.

[Josh Laybody]

Love you guys. And we'll see you guys in 12.4 seconds. As of now, I'm gonna use it.

[Co-host (possibly Emilio or similar Latino name)]

Let me be honest. Every guest is a privilege.

[Josh Laybody]

Do we want to go there?

[Co-host (possibly Emilio or similar Latino name)]

Get Jolly. Cause I'm on a podcast with Josh Laybody. Let me just show you.

[Josh Laybody]

What episode are we on?

[Financial Expert or Guest]

Two and three.

[Josh Laybody]

Wow.

[Co-host (possibly Emilio or similar Latino name)]

Everybody in two and three.

[Josh Laybody]

Put your hands up.

[Co-host (possibly Emilio or similar Latino name)]

Dance with me. Dang, I like that one.

[Josh Laybody]

That's two, one, three. Oh, that's. Is that Long beach area code? I think that's Long beach area code. Because my. That's my Mom's area code. 213.

[Co-host (possibly Emilio or similar Latino name)]

2, 1, 3.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

5, 6, 2.

[Josh Laybody]

No, I'm 5, 6, 2.

[Co-host or guest]

Yeah, she.

[Josh Laybody]

2, 1, 3. What is it?

[Co-host (possibly Emilio or similar Latino name)]

Palm Beach 213 is surrounding LA, I think downtown. Yeah. Like central LA. Yeah, that's like. That's like Beverly Hills.

[Josh Laybody]

Like, bro, she's had that number forever. Like the same number for 20.

[Co-host or guest]

Yeah.

[Josh Laybody]

Five years.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, my mom, too.

[Financial Expert or Guest]

Yeah, Like Beverly Hills. Alhambra, Bell, Bell Gardens, Commerce, Kudahe, Glendale, Hawthorne.

[Josh Laybody]

Oh, Southgate. That makes sense.

[Co-host (possibly Emilio or similar Latino name)]

Got it.

[Josh Laybody]

Okay.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Probably some regions too.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You want to know something fun just came up to my mind. By the way, welcome to La Patica. It's a little late at night. We had a long weekend. My voice is not all there, but we're still here.

[Josh Laybody]

It's. We're here.

[Co-host (possibly Emilio or similar Latino name)]

We're trying to gather up as much energy as we can.

[Josh Laybody]

One thing we will never do is miss a week uploading.

[Co-host (possibly Emilio or similar Latino name)]

We're not going to miss a week.

[Josh Laybody]

And we're busy.

[Co-host (possibly Emilio or similar Latino name)]

And we're busy, so.

[Josh Laybody]

But you know what? You know what's more important than us? Everything else.

[Co-host or guest]

Them.

[Josh Laybody]

Exactly.

[Co-host or guest]

Them.

[Co-host (possibly Emilio or similar Latino name)]

We also just got back from Texas.

[Co-host or guest]

Wow.

[Co-host (possibly Emilio or similar Latino name)]

So we've. We've had quite.

[Josh Laybody]

We're not going to do that.

[Co-host (possibly Emilio or similar Latino name)]

The.

[Josh Laybody]

What we're going to do. Let's talk about the news.

[Co-host (possibly Emilio or similar Latino name)]

All right, back to my story. Oh. This episode is sponsored by S.E. our wonderful friends over at S.E. thank you so much. Number one ticket ready. Number one ticketed rating app on the App Store. Josh, how are you? I'm good, man.

[Josh Laybody]

I'm. I'm also tired as well. For whatever reason, my left eye keeps ticking.

[Co-host (possibly Emilio or similar Latino name)]

Mine is my right.

[Josh Laybody]

What is it? Is it? Cuz you're just tired, bro. Do you see it? If you see it, I'm sorry, I don't see it. But do you ever. You feel it a lot?

[Co-host (possibly Emilio or similar Latino name)]

Your eyelid?

[Josh Laybody]

It's my bottom.

[Co-host (possibly Emilio or similar Latino name)]

Oh, I had that. I had that like a month ago. My bottom one.

[Josh Laybody]

You know what they say that it's also caused by stress. Like stress or like too much caffeine, which probably creates stress.

[Co-host or guest]

Yeah.

[Josh Laybody]

So, yes, we're probably tired.

[Co-host (possibly Emilio or similar Latino name)]

I'm just tired.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Just Feel like this month has been, like, crazy, bro. Very blessed.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

But it's been a lot of go, go, go. And a lot of, like, not staying home. And I feel like it's so like, bro, I spoke to my wife today and I'm like, we need to stay home.

[Josh Laybody]

Stress, fatigue, too much caffeine or alcohol. Oh, yeah.

[Co-host (possibly Emilio or similar Latino name)]

Named it all.

[Josh Laybody]

I also wear contacts.

[Co-host or guest]

Yeah, that's.

[Josh Laybody]

And that it creates a lot of dry eyes.

[Co-host (possibly Emilio or similar Latino name)]

Get Lasik already.

[Josh Laybody]

You know what's funny, bro? So I am so good about putting all my contacts because we've talked about this on the pod. My eyes, my. My day doesn'. My eyes are in until I can see. Because other than that, I kind of feel like I'm living in this, like, weird. Like, nothing is clear.

[Co-host (possibly Emilio or similar Latino name)]

Well, everything annoys you, too.

[Josh Laybody]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And then you're like, yeah.

[Josh Laybody]

So this.

[Co-host (possibly Emilio or similar Latino name)]

You keep thinking about it.

[Josh Laybody]

This past weekend was the first time that I obviously, I packed my, like, toiletry bag with everything for. For the wedding. And I didn't put enough contacts. And I couldn't believe it because I don't make that mistake.

[Co-host (possibly Emilio or similar Latino name)]

You got to keep using.

[Josh Laybody]

So we went out and I was so miserable. I was genuinely miserable. And I couldn't experience what everything was going on because I couldn't see. I can't see, bro. And then that's the first time I literally, like, said to myself confidently, I was like, I'm going to do Lasik one day. Very long day from here.

[Co-host (possibly Emilio or similar Latino name)]

I'm sure you follow this. He's like, he's a YouTuber. Instagram guy. Shout out to him. I've been following for a long time. I think a lot of people back at home.

[Josh Laybody]

Ronnie Banks.

[Co-host or guest]

Yeah.

[Josh Laybody]

Wow.

[Co-host (possibly Emilio or similar Latino name)]

How'd you know? Cuz he just got Lasik.

[Josh Laybody]

I just saw his video.

[Co-host or guest]

Yeah, he.

[Josh Laybody]

I watched the whole thing.

[Co-host (possibly Emilio or similar Latino name)]

So we follow each other. He DMS me. I didn't see the video.

[Josh Laybody]

A good video.

[Co-host (possibly Emilio or similar Latino name)]

Okay. But he went to the same doctor as me. Dr. Ferman. Yeah. In Newport. And I. He said, how. How was your experience? I said, bro, you're not going to regret it. And look at him, all happy. And you look at still struggling, miserable.

[Co-host or guest]

Yeah, yeah.

[Co-host (possibly Emilio or similar Latino name)]

Just get it done.

[Josh Laybody]

We should get him on the pod.

[Co-host or guest]

Yeah.

[Josh Laybody]

He's like a really.

[Co-host (possibly Emilio or similar Latino name)]

I think he's taller than you.

[Josh Laybody]

He probably is. He's like. He's a big dude. Like, yeah, he's. He's one of those people that I can.

[Co-host (possibly Emilio or similar Latino name)]

I sat in that same chair.

[Josh Laybody]

I can tell he's a big dude. And then when you see him in person, he's even bigger than that.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, we should, man. Great guy. So he chat. I haven't. I, I don't.

[Co-host or guest]

I. Yeah. Huh.

[Co-host (possibly Emilio or similar Latino name)]

And then the. Oh, there was, there was a guy. That's so funny now that. Remember I was a little buzzed. There was a guy at the bar at Johnny and Sarah's wedding. It was the bar night. We went to the bar, I met a guy and that was his best friend.

[Josh Laybody]

The doctor or Ronnie Banks.

[Co-host (possibly Emilio or similar Latino name)]

No, a random guy that I met at the bar with him and his wife.

[Josh Laybody]

Whose best friend?

[Co-host (possibly Emilio or similar Latino name)]

Ronnie's best friend. But that's what he said. It's my best friend because he said I'm about to get married and Ronnie's gonna be my best man.

[Co-host or guest]

Oh, wow.

[Co-host (possibly Emilio or similar Latino name)]

Yeah. And then we sent a picture to him like this.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

He goes, and then it was true. Anyways, going back to the story, I was about to say my mom, my mom calls me the other day. She's kind of not worried, but just kind of like caused me like, I'm like, what happened? She goes, mijo, how much do you pay for your phone bill? And I said, mom, I don't know. I honestly, I have a guesstimate. I have a guess, but I don't know, it's just pulled right. And I've been paying for it since I was like 19 years old.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Mind you, I'm 35 now.

[Josh Laybody]

And the way it works now, it's like we're still paying. Do you do that? Like you pay off your phone? Like you can just like add it to your monthly like bill. You can like you, you, you buy it out? What, your phone? Like. Oh yeah, I can upgrade kinda.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

When you upgrade your phone, you can either buy it all out or that you pay like 40 bucks.

[Josh Laybody]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And then you pay an extra like 20. 40 bucks.

[Co-host or guest]

Yeah, yeah, right.

[Co-host (possibly Emilio or similar Latino name)]

So I told mom, I was like, mom, I don't know how much I pay. She goes, well, I checked as a how. And mind you, I think we've talked about this before. When I was 19, 18 years. No, I think the last bro, like 16. Because I didn't have a phone when I was 19. I already had one since I was sitting. So I found my line actually since like 15, 16. And she goes, I checked because we're now switching over to AT&T. And I'm under your name like, cuz she's the one that opened up that, that phone line for me. So till this day I'm under my mom's name on the at&t. So she was telling me that I'm paying like a hundred dollars more than I should with this old ass plan, but old ass plan for me, it's, it's just been great, you know, I have everything.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And she goes, you can get Hot spot, You can this. I'm like, I already have it all. She goes, yeah, but you've been paying so much. I'm like, so now, cuz I guess she doesn't like Verizon anymore for whatever reason, and she's switching over my whole family to, to AT and T. So I said, okay, cool.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

She goes, you know, if, if, if you come over to me, just direct deposit me every month. And I was like, I don't want to. It's like direct sell you every month. Like I'm a grown ass man now, right.

[Josh Laybody]

I'll just pay.

[Co-host (possibly Emilio or similar Latino name)]

But it was sweet because she just wants me to save money.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Whether it be $20, $4, 100, she. She just needs me to, like, she wants me to save, you know, I'm not like, it's a mom thing, Right.

[Josh Laybody]

I'm not too familiar with like upgrading your phone plan, but it is something you have to do. I think what she was saying, like, you were stuck on an old dated plan and you're paying that premium price and you're supposed to like upgrade to the more better, cheaper price.

[Co-host (possibly Emilio or similar Latino name)]

Yeah.

[Josh Laybody]

You have to actively do that.

[Co-host (possibly Emilio or similar Latino name)]

Yeah.

[Josh Laybody]

They don't just upgrade you to the cheap.

[Co-host (possibly Emilio or similar Latino name)]

I totally forgot about that.

[Josh Laybody]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

She goes, mijo, do you know that like every six months I will call AT&T, see there's new deals, see if there's a new deal or a new plan. Yeah, yeah, I said, you do that. You can do that. Whatever you got, right?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

But yeah. She goes, yeah, I call the time and they upgrade me and they upgrade the whole family.

[Josh Laybody]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

So anyways, I was like, yeah, mom, let me think about it. Obviously, like, why wouldn't I do it? Right? Because I save like $100 a month. But then I thought about it later and then, and then I spoke to my wife and she goes, don't be with your mom like me and you.

[Josh Laybody]

No, I totally agree.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

But I'm like, you know, I kind of broke her heart. I'm like, mom, I don't think I'm gonna be in your plan. I'm just gonna open one with Karen. Because me and Karen don't have a phone plan. We have our separate plans. And then he was like, yeah, I think you should have your own plan as like a 35 year old. Yeah. And I was like, yeah. I'm like, but, you know, it's like, it's not a big deal.

[Josh Laybody]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know, but at the same time I was like, yeah, you're right. Like me and you'll do it.

[Josh Laybody]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And one day we'll have kids and we'll do all that. But yeah, I could have saved money.

[Josh Laybody]

Yeah. And you speaking of saving money, bro, I feel like these are such adult conversations. Like, Right. Like you. These are really important conversations, like saving money, making sure your, your payment, your bills are structured. Like, you should worry about those kind of things as an adult. Right. Like your credit cards. Most people worry about those kind of things.

[Co-host (possibly Emilio or similar Latino name)]

Right?

[Co-host or guest]

Yeah.

[Josh Laybody]

What's crazy to me, the other night, I got so fixated on this thing that I was going through with, with. I have a credit card with them. Okay. We ended up buying a new refrigerator and I have. And I have a washer and dryer, appliances. They have an incredible deal, bro, where it's like you get 18 months, 24 months interest free for whatever you want to buy. So it's like you can. They'll loan you the money for 18 months.

[Co-host (possibly Emilio or similar Latino name)]

There's no limit, zero interest.

[Josh Laybody]

I don't believe there is.

[Co-host (possibly Emilio or similar Latino name)]

Has to be.

[Josh Laybody]

Maybe there is. Maybe there is. I think that just depends on like what you qualify for in your.

[Co-host (possibly Emilio or similar Latino name)]

Okay, got it.

[Co-host or guest]

So.

[Josh Laybody]

So you're right.

[Co-host or guest]

Yeah.

[Josh Laybody]

Yeah. So we bought these two things. I applied for the plan of like, oh, I'm like, damn, this is. This is free money.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Josh Laybody]

So credit is one of those things that if you don't know how to utilize it, it could really screw you.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Josh Laybody]

And I started like researching a little bit more about this deal because I was like, this is a lot of time that they're giving you.

[Co-host (possibly Emilio or similar Latino name)]

Right. How do they benefit from this?

[Josh Laybody]

Great question. So, bro, you should ask Mo, bro. I was in bed for an hour at night on chat gbt. I'm like, I. I need this to make sense to me. Like, how are they benefiting this. This is a long time. They're loaning you money. So whatever. If you owe any balance after that time is up, those 18, 24 months, you have to now pay for all the past interest of those months that you didn't pay. If you are over in your balance if you still owe money. So meaning if you owe to that.

[Co-host (possibly Emilio or similar Latino name)]

You have to pay.

[Josh Laybody]

No, you have to pay the interest that you didn't pay for those 18 months. I was like, how is this legal? This is crazy.

[Co-host (possibly Emilio or similar Latino name)]

It's in the fine print.

[Josh Laybody]

It's in the fine print. So what they're banking on is that people forget to pay, that I don't have to pay. It's interest free. I'll pay when the time is up. Or they just forget.

[Co-host or guest]

Dang.

[Co-host (possibly Emilio or similar Latino name)]

Imagine.

[Josh Laybody]

So then those 18 months come month 19 now they have to pay all the 18 months of interest if they.

[Co-host (possibly Emilio or similar Latino name)]

Didn'T pay the whole fridge. Correct or whatever.

[Josh Laybody]

Correct, yeah. So if you do it right, you, you can get it, you can get it with zero interest.

[Co-host or guest]

Right.

[Josh Laybody]

But you have to calculate that and you have to make sure. And then they have the option to like. Let's just say I have three account. I had three different. Two different things. I don't remember what it was. I think we bought some headphones too that I had put on the same credit card. If you don't choose to opt where you want your payments to go to, they can skip the months. So then they screw you. They just like be like, oh, those months were going to be expired. We're just going to bump it over to the fridge. Now, even though the headphones were due for the 18th month, if that makes sense. It's kind of complicated but like you have to opt in for that option. Like hey, this money, this is going to expire. Pay this off please. So I can not have anything to pay for and then you can just move on to the next thing on the list. Dude, it's insane. I was shocked.

[Co-host (possibly Emilio or similar Latino name)]

Wow. I didn't know that.

[Co-host or guest]

Yeah.

[Josh Laybody]

So I made sure that like all my payments leading up into the 18, I'm like three months out in advance. So I'm not doing 18 months. I'm being paid off in like 15 months or whatever it is.

[Co-host (possibly Emilio or similar Latino name)]

But you got to perfectly put where.

[Josh Laybody]

Your money goes to a cent to a cent. I'm not joking. It was like blah blah and 47 cents.

[Co-host (possibly Emilio or similar Latino name)]

Damn.

[Josh Laybody]

Just to make sure that it is paid off.

[Co-host (possibly Emilio or similar Latino name)]

Well, it's like, it's like a bank. Like even banks bank on you not. Not missing a payment.

[Co-host or guest]

Yeah. Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Cuz that's, you know, they sure might. Maybe they'll take five dollar ten from an American that missed a payment. But they're multiplying that by millions of Americans. That's how they make their fidium.

[Josh Laybody]

And, and most people like fall short on their like payments. Right. Like it's. Sometimes you just. Life happens. You just can't pay your credit card off fully and then you end up paying like a crap ton of money on interest and stuff and you're screwed. And you're in this financial hole.

[Co-host (possibly Emilio or similar Latino name)]

You can never buy a home like.

[Josh Laybody]

Me when I can't graduate kids from college.

[Co-host (possibly Emilio or similar Latino name)]

16, 17 years old. You know what I would do because I was so broke. This is a bad idea. So don't. I think you can still do this, but, like, don't do it because, like, nothing ain't worth it.

[Co-host or guest]

Just wait.

[Co-host (possibly Emilio or similar Latino name)]

I don't know if you know this, but you, you can call like, like, say if you, if you already banking with, like, Wells Fargo or something for like, months and months and months, even like a year. Yeah, I can call Wells Fargo and like, if I already have like a. Like, if my, my company that I work for gives me direct deposit and like, I don't really have that much money, I can call the bank and be like, hey, my Presta is like 500, and they'll put 500 in my account and they'll take them off when I get my.

[Josh Laybody]

Oh, wow. It's so. It's like going to pay in advance.

[Co-host (possibly Emilio or similar Latino name)]

It's like an advance. Yeah. You can get advances. I don't know if you can do that. You can do that when you still can. Yeah. So they. And then they'll give me whatever money or there's an amount that they can give a specific person, and then. Yeah, but they bank on you not being able to pay that off, and then you'll get an overdraft fee and then you'll do all that, and then you're like, oh, you're.

[Josh Laybody]

Bro, the amount of overdraft fees I've accumulated in my life is embarrassing. Like, embarrassing, bro. But that was. That's a struggle sometimes, you know what I mean?

[Co-host (possibly Emilio or similar Latino name)]

It is, man. And when people go like, I can't hate on it because it's either you overdraft 25 next Friday, or you're able to eat or make some sort of payment that week.

[Josh Laybody]

Yeah. And then the overdraft fees are, like, insane. They're like, way more. It'll be like, you'll be overdraft for three bucks, but you'll get charged, like $40.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

It's crazy when you really think about it, how I'm just going to talk about here in the United States, especially for people like us growing up like us, you know, just like how we did it. So many people also have been struggling, and they continue to struggle. And I was just talking to you earlier about. I read this thing where, like, a bunch of Americans, they're starting to miss their. Their milestones in their life. For example, our Parents had us when they were like 18, 19. Right. I forgot how old your mother was.

[Josh Laybody]

My mom was what, 30. But I mean, I get you.

[Co-host (possibly Emilio or similar Latino name)]

They.

[Josh Laybody]

She was also on the older side.

[Co-host (possibly Emilio or similar Latino name)]

I get it. Got it. But my mom, she had me when she was 19. And a bunch of people, their parents are the same age.

[Josh Laybody]

That's super common.

[Co-host (possibly Emilio or similar Latino name)]

And then like my dad was already working, my dad was already paying his taxes. My dad bought a home like at 24, you know, had kids, you know, little milestones like that, you know what I mean? Like getting credit cards, like buying. Buying a car at like 24, 25 years old, you know?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And just nowadays like kids do not do that. Not kids, young adults, they're not able to do that anymore. They can't afford that kind of stuff. And you know, and it's crazy cuz you think about like, okay, cool, that's unfortunate. But where are we going? What's the future for us, for these kids that can't. That don't have the, the. The tools to do this?

[Josh Laybody]

Jess was crazy about the, the population of, of kids. So like there's this whole idea that like we're overpopulated, but we're not. Like we're underpopulated of people.

[Co-host (possibly Emilio or similar Latino name)]

Yeah. Because if you think about it, I know that the average person once again doesn't hit these milestones like having kids.

[Co-host or guest]

Yeah, bro.

[Co-host (possibly Emilio or similar Latino name)]

No. Nowadays out of 10 friends that you have no masuno those kids.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And it used to be every single friend.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

All my mom's friends have kids.

[Josh Laybody]

They all grow up together.

[Co-host (possibly Emilio or similar Latino name)]

And they all grow up together. It's not like that no more. Which is cool because also back then it's almost like these, these women had no choice to other to have kids to help them raise. Because like for example, my. Yeah. Would. Would have a shitload of kids. So the kids can grow up and help them around the house, help them in the farms, help them, you know, doing the crops and stuff in Mexico like that. So it's almost like it was like you had to do it.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know what I mean? And nowadays it was a tool adults are using or adults are respecting the fact that no, I don't need that right now. And I want to live my life by my, you know, independently or I don't want to have kids right now.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And that's cool too. But yeah, I don't think that we're overpopulated at all. I think it's decreasing if you really think about it.

[Josh Laybody]

Look, right here we have the trends in the US birth rates.

[Co-host or guest]

Wow.

[Josh Laybody]

And they are on a decline, my friend. Which is really scary because people like the joy of like having kids is like such a beautiful thing and like people are missing out on it because of like the financial situation that like we're currently in as a, you know, as a country.

[Co-host or guest]

Yeah.

[Josh Laybody]

This sucks.

[Co-host (possibly Emilio or similar Latino name)]

Yeah. So it's crazy how like everyone's missing their milestones, but even isn't. It doesn't have to be kids. Like people are working. Another milestone is moving in by yourself.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

There's a lot more older adults now that are still with their parents, are still struggling. They're like in a one bedroom, you know, and all these things kind of like.

[Josh Laybody]

But it's also become acceptable too. Yeah, I would say so more than like when they were growing up. You know what I mean? Like if you're still like in your mid-20s living with your parents, like that was like you were a failure.

[Co-host or guest]

Yeah.

[Josh Laybody]

But it's like now it's like, dude, I can't, I'm. I'm working multiple jobs and I just can't sustain it.

[Co-host or guest]

Yeah.

[Josh Laybody]

So this is like a better option all around.

[Co-host (possibly Emilio or similar Latino name)]

I know. If you had a kid, what would, what would you tell them? Like at 18, 19 years old, like, oh yeah, you can still hang out with or you can still live here.

[Josh Laybody]

Yeah. 100. If I have the means to do it and I can. I think I would offer that to them. But I also know that it's good to like to challenge them. So there's like a fine line, you know, if I see that he's actively or she's actively like, you know, if it's a daughter like going to school and like trying to make something out of her life, she could stay with me forever. And with my son it might be a little bit more like disciplined.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Josh Laybody]

Because there needs to be some sort of pushback.

[Co-host (possibly Emilio or similar Latino name)]

Sure.

[Josh Laybody]

Can't just be like, no, you can stay with me and I'll support you and I'll pay for everything.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Because you want to teach them how to be independent. Exactly. Like big time.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And I think that's really important.

[Josh Laybody]

But I also get that it's hard.

[Co-host (possibly Emilio or similar Latino name)]

I will have no problem with having my kids live with me forever. As long as there's some independency, obviously they're not going to want to. You have to start a family. You know, you talk about that kind of stuff. But I definitely would, I wouldn't mind. And I would honestly tell him, like even my mom tells, tells, you know, her kids right now. And she told me too before, like, why do you want to move? Why do you want to spend money that you don't need to? You know, you're just going to put yourself more in a hole, you know, unless you got it, you know, I mean, but a lot of people, like, they look at their budget growing up and they're like, okay, I make like, you know, let's just say $3,000 a month, $5,000 a month. You know, let's just say at that this is probably inaccurate, but a thousand goes to the car, a thousand goes to groceries, a thousand goes to miscellaneous, a thousand goes to school. And then in your head you're like, well the, the other thousand, I'll use it for, for apartment or something, or rent a room. Yeah, but that's so stupid to do because then you're left with nothing. Yeah, you know, it's like, what do they say? Like, take your income and then like use a certain percentage of it, Double.

[Josh Laybody]

And give it to the next person?

[Co-host (possibly Emilio or similar Latino name)]

Yeah.

[Josh Laybody]

That's insane.

[Co-host (possibly Emilio or similar Latino name)]

Those things are so funny. Have you seen the meme where the guy, they ask him, hey, Akitango pizza, Should we double it or give it to the next person? And the guy, it seems like he wants it, you know, but he goes, no, double it and give it to the next person. And then he just leaves. And the pizza guy turns around and then the same guy comes around in a different outfit and he's basically the, the next guy.

[Josh Laybody]

It's like you have to be the good guy and say double it and give it to the next person. I know, I, I think it's hilarious. Zone people are like, no, I'll take it.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, I'll take it. Judge me. Yeah, I'm smart.

[Josh Laybody]

That's so funny. Would you pull up here, Jess? Oh, this is the rule, the 50, 30, 20 rule. Can you explain what this is?

[Financial Expert or Guest]

Yes. This is the most widely cited guideline for normal quote unquote income split, which divides after tax income into three main categories, needs, wants and savings. However, the ideal split can vary based on your location, income level and personal goals. So 50% of your income is after tax is for essential, non negotiable expenses required to live and to work, like housing, utilities, groceries, transportation, minimum debt payments. 30% is for wants, which includes entertainment, dining out, subscriptions, shopping, vacation and travel. And 20% for savings and debts. So loading. Building up your emergency fund, your retirement savings, any investing and additional debt payments.

[Josh Laybody]

Let me just say this, first of all, this is so much easier said than done. Like this Is like, in a perfect world.

[Co-host or guest]

Yeah.

[Josh Laybody]

Some people can't save 20. 20%. That's crazy.

[Co-host (possibly Emilio or similar Latino name)]

But I never understood, like, I don't know if it was like, a. Like, us, like, Mexicans or Latinos growing up that, like, people were like, save your money. I was like, how do we save? We don't. Yeah, we don't. I don't have much to say, but, you know, and what I have to save, you know, you always have the. The cases where it's like, you're helping your parents out.

[Co-host or guest]

Yeah, true.

[Co-host (possibly Emilio or similar Latino name)]

It's that 20. It's a vicious cycle. You know, you're like. It's a. You just cycle. The same type of. So it's really hard. You really got to think outside the box in order to save. Because if all. In all honesty, Josh. In all honesty, especially now when you're a little bit more successful. And I can tell you, too. Let's just say you do save the 20%.

[Co-host or guest]

Okay.

[Co-host (possibly Emilio or similar Latino name)]

Right. Let's just say you save it for a year or two. Right. What the Is that going to do?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

At the same time, sure, it's something. But what does it really give you? You know what I mean? No. So it just sucks. You really got to think outside the box.

[Co-host or guest]

Yeah.

[Josh Laybody]

You got to get creative.

[Co-host (possibly Emilio or similar Latino name)]

You got to get creative. You got to be able to be like, hey, this is what I. This is what I make, and I gotta do something else that makes money on its own, where I don't even touch it type.

[Co-host or guest]

Yeah. Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Co-host or guest]

Creative. Yeah.

[Josh Laybody]

If you have.

[Co-host (possibly Emilio or similar Latino name)]

And I'm not saying don't do it. I'm not saying don't do it, but. Right. Like, growing up, what does that really give you? Gives you something. I'm not talking about, like, the food and the necessities.

[Josh Laybody]

Yeah.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

I'm saying to really change your life. No, Tanto. But I still think, obviously, do it. Save as much as you can.

[Josh Laybody]

I think you want to have an emergency fund, regardless, for sure. Ideally, that's, like, what you would want.

[Co-host (possibly Emilio or similar Latino name)]

But you know what I mean, right?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Like, even then, I think. I think people. And I think very successful people will tell you, like, you can't just put all your chips and that's how you're gonna be successful, saving 20% every check. That's not. You know, you can save, save, save, save, save, and then take that money and invest it in something else, you know? And then, you know, bet on that. But I don't think, like, when people tell you, like, oh, just save. Just save for what you need to spe you need to spend money to make money.

[Josh Laybody]

I think you gotta, you gotta be smart though, right?

[Co-host (possibly Emilio or similar Latino name)]

Yeah, you gotta be smart.

[Josh Laybody]

Things that like, are. Are really gonna like benefit you. But yeah, there's like a, there's somebody I've heard like talk about how like the, the best thing you can invest in is kind of cliche, but it's like yourself, right? So like investing in like courses or like programs that are going to teach you about something, you know, that you might be interested in doing, like using that money to like invest in you to, to become a better, not necessarily person, but yeah, to be. Create more value for others and not.

[Co-host (possibly Emilio or similar Latino name)]

And invest in yourself a hundred percent and invest in time and invest in sacrificing time. A lot of people think that like, oh, every week, every week I'm going to. I'm just gonna wait for Friday and then I'm gonna like spend half their check. And they don't think that they should. Like for example, I had a friend and I told them this and I said, bro, if you just don't do for two, three months and take all that money and only spend the money that you have to, to. To live, you know, don't go out, don't do anything because all that shit adds up, you know, because they, they'll complain about like, oh, I don't have, I don't have this or I don't have that, but they're out. You have to invest in time. If you don't have the freedom to just live your life and, and, and spend money on time, then you got to sacrifice time and you got to like not do anything and just really sacrifice that time or even if you don't do anything. What I'm trying to say is like sacrifice on studying for that whole month, for that whole two weeks, you know, for, for that course that you want to take to better your life later. I always use it like an example. Like if you want to be a photographer, right? And if you want to be the best, you start off with a little ass camera. But if you want to have that big camera, then you got to sacrifice your time and work somewhere else so you can afford that thing. Right. Once you afford that, then you just level up.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And people don't realize like this is every single video game and then ever created is you're in level one, you have to have a certain amount of coins or whatever to get to level two.

[Co-host or guest]

Yep.

[Co-host (possibly Emilio or similar Latino name)]

Level two requires more coins. For level three, it's just the same thing.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know What I mean, so I think sacrificing time and investing in yourself is the biggest thing that you can do and you're not going to regret it. And I think a lot of guys, especially young guys, they invest their time on going out and living this life of, you know, having fun. I'm not saying that's not a good idea, but they do it every single weekend and they're just losing time.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And they think that's important until they're a certain age and like now what.

[Josh Laybody]

This wasted so much time.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And then you see all your other friends that like, you know, they're doing a lot better and you're just like, don't be that guy.

[Financial Expert or Guest]

Real quick. Going back to the whole saving money and kind of like putting it away. You can open such a thing as a high yield savings account, which like you're putting your money in the bank and much like the interest situation, you're charging the bank interest first for saving your money with them.

[Josh Laybody]

It's not a crazy amount though.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Financial Expert or Guest]

It can build up over time and it compounds. So that's a way to kind of put your money away and then still be making like Sebastian having it work for you.

[Co-host or guest]

Yeah, yeah.

[Co-host (possibly Emilio or similar Latino name)]

It's better than, that's the thing. Like it's better to put your money in there than have it sit in the bank.

[Co-host or guest]

Yeah, yeah, yeah.

[Co-host (possibly Emilio or similar Latino name)]

Put it into those kinds of like little funds. Because those banks, they use your money for whatever they need to use it, but you know, they, they, they're paying you.

[Co-host or guest]

Yeah.

[Josh Laybody]

Like a higher interest.

[Co-host (possibly Emilio or similar Latino name)]

It's also, it's another thing too, where it's like, if you do this, you're not going to be rich.

[Josh Laybody]

Right.

[Co-host (possibly Emilio or similar Latino name)]

You know what I mean? Like, you got to be putting that money until you're like 70 years old. And then because there's also like a cap, like there's some things where I have, like every time I do my taxes, I have to put a certain amount of money into some of these funds. And I, I, I'm not going to be able to see that until I'm 60 years old, you know?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And if I take it out earlier, I get penalized. You know what I mean? I might get all my money back. But actually sometimes you don't. You only get a certain amount if you want to take it out already for an emergency.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

So it's like things like that. I'm telling you, you got think outside the box.

[Co-host or guest]

Yeah, you do.

[Co-host (possibly Emilio or similar Latino name)]

And honestly, being entrepreneur, man fell, I always tell people there's a Market in anything. Especially nowadays with social media, anything. I know people who sell candles and make a great living. You know, obviously, you know, I'm not saying it's easy either. There's a lot of marketing. There's a lot of networking. You know, one super important thing before we go on an amazing break is I always tell people like, open your mouth. Pause. Not like that, but habla. There's so many people that they live their life, they're scared to talk to people. They're scared to go out and network with people, make connections, bro.

[Co-host or guest]

It's.

[Co-host (possibly Emilio or similar Latino name)]

It's probably one of the most important things that you can do in your life.

[Josh Laybody]

100.

[Co-host (possibly Emilio or similar Latino name)]

You're good at it. Yeah, I think I'm good at it. I, I shoot the. With whoever. I, I ask questions, Ask questions. I ask, what do you do? I'm not scared to ask you what you do. Cool. I'm not scared to ask you. Hey, let me, let me, let me with you. You know?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know, I got this. You got that. I scratch your back, you scratch mine. Open your mouth. When it comes to life, you know, if hits the fan for me tomorrow, I know somebody that'll help me.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know, and a lot of people don't. A lot of people, they, they're shy. They don't have that many people that, that trust them, that, that they trust. You know what I mean? I think it's really important and I think it's one of the number one things you can do is open your mouth. Network. We got you, Toyota.

[Josh Laybody]

I agree with that. I totally agree with that.

[Co-host (possibly Emilio or similar Latino name)]

I think we should go on that break.

[Josh Laybody]

Yes, yes. We have a very exciting break. You want to tune in for this break? This break that we're about to head into is, Is a special one and you're in for a ride.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And not just any ride. Outside. There's a Chevy all wheel drive Blazer ss, baby.

[Co-host or guest]

Yes, sir.

[Co-host (possibly Emilio or similar Latino name)]

And I'm. You going to take me for some coffee right now?

[Josh Laybody]

You going to take me for some coffee?

[Co-host (possibly Emilio or similar Latino name)]

No, we're taking everybody along. A lot of people always want to wonder what we do on the 30 minute breaks. We go get some coffee and we.

[Josh Laybody]

Going to take out ev.

[Co-host (possibly Emilio or similar Latino name)]

Chevy Blazer.

[Josh Laybody]

Let's go get some coffee, guys. Can we just take a second to admire this beauty? First of all, it's super sleek and it's all electric, baby.

[Co-host (possibly Emilio or similar Latino name)]

Is it really electric?

[Josh Laybody]

Just like you. If you think the outside is gorgeous, let's check out the inside.

[Co-host (possibly Emilio or similar Latino name)]

Wow, Josh, look at this interior.

[Josh Laybody]

This is insanely. Beautiful.

[Co-host (possibly Emilio or similar Latino name)]

Don't you love the scent of new car?

[Josh Laybody]

It's my favorite scent.

[Co-host (possibly Emilio or similar Latino name)]

I'm excited because this is an ss. That means it drives phenomenal. Yes, it's all wheel drive.

[Josh Laybody]

Yes.

[Co-host (possibly Emilio or similar Latino name)]

It has big brakes, AKA Brembo brakes. And not only that, look at this screen. It looks like you're in a spaceship.

[Josh Laybody]

These seats feel like you're in a spaceship. Road trip to get some coffee. Just kind of shape.

[Co-host (possibly Emilio or similar Latino name)]

I want some coffee too. And you know what's funny? I already have it set up.

[Josh Laybody]

Oh, you're good.

[Co-host (possibly Emilio or similar Latino name)]

So we can go get some coffee.

[Josh Laybody]

It's that easy.

[Co-host (possibly Emilio or similar Latino name)]

Look at this screen.

[Josh Laybody]

Insane. You know what I love about this car? It genuinely feels like you're just gliding.

[Co-host (possibly Emilio or similar Latino name)]

Well, that's the thing, Josh. It's EV electric vehicle. And I've driven quite a few and honestly, this all wheel drive Blazer, I like it. I like it a lot. And you can't hear anything, bro. I can hear you perfectly. So it's super smooth, super quiet. Super smooth. And the range, I checked. Plenty of juice to get us further than the coffee.

[Josh Laybody]

All right, you stay in here, enjoy the beautiful car and I'll go get the coffee. You know, peasy. I was thinking, you know, breaks hit different when you got good coffee and a ride like this. Back to the studio, baby. Here's your coffee.

[Co-host or guest]

Thank you.

[Co-host (possibly Emilio or similar Latino name)]

Big shout out to Chevy for letting us roll in style. Now let's roll.

[Co-host or guest]

Damn.

[Co-host (possibly Emilio or similar Latino name)]

She has 615 horsepower.

[Co-host or guest]

That's crazy.

[Co-host (possibly Emilio or similar Latino name)]

That's why you felt that kick.

[Josh Laybody]

What a ride.

[Co-host (possibly Emilio or similar Latino name)]

What a ride indeed.

[Josh Laybody]

What a ride, man.

[Co-host (possibly Emilio or similar Latino name)]

You know, those leather seats, the digital dash.

[Josh Laybody]

I'm not going to lie. I was genuinely impressed by that interior, man. Like that interior is insane.

[Co-host (possibly Emilio or similar Latino name)]

It's crazy how like you'll look at that car, which is much more affordable than a lot of other cars and it has way more stuff than the, you know, a higher end vehicle.

[Josh Laybody]

It's kind of crazy cuz technology is. We were talking about this. It just advances so fast now that they can put that kind of technology and better in like in less expensive cars. Yeah. Not so like crazy luxury cars, if you will.

[Co-host (possibly Emilio or similar Latino name)]

You can just walk right next door to that car. And even like what Jess said, it like immediately knows you're. You're near it. It'll open the door if you have the key. Yeah, it's just like things that every car should have. I have a car that's like, you know, a little higher end, but you can't even open the door with, with. You have to put like you have to open it with the fob.

[Josh Laybody]

What's that? No next technological jump. You know what I mean? Like phones that we have right now are pretty insane, dude.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Josh Laybody]

Like we used to have dial up Internet and then it's like at this point we have WI fi and it's, it's incredibly fast. You can watch 4K stuff on your phone. Like. But what's the next thing that it's really like premium at that level. I can't even think about it with cars for a phone or a car in. In general. Like what's the big next thing? Like do phones advance the that much more crazy in like 10 years? Like what you do you get what I'm saying? Like how big is that jump gonna be now? It might not be as big as we think it could be. It could be. I just don't know. Do you get what I'm saying?

[Co-host or guest]

Yeah.

[Josh Laybody]

Like there were big jumps in our lifetime that were dude, huge. Like boom, boom. But it's like does it continue to like. Because if you think about it like the iPhone, how much better has it gotten it from like the 10 to the 16th?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

When you're talking about like it has the same face time.

[Josh Laybody]

Yeah. That's 10 years.

[Co-host (possibly Emilio or similar Latino name)]

There's little features.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

But that will improve the the around a little bit more.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

The battery life other than that like your lifestyle hasn't really changed.

[Josh Laybody]

Yeah, it hasn't really. Like it's not that much better.

[Co-host or guest]

Yeah. Yeah.

[Josh Laybody]

I think there's like people say when they're like if you have the iPhone 14, do not get the new phone. Cuz like it's the same thing. But if you, if you haven't upgraded since like or even the 14, I don't know, they're like if you haven't upgraded since this one, there's no point of getting the new one.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, you always gotta like skip one or two.

[Co-host or guest]

Yeah. Yeah.

[Josh Laybody]

But even then like. Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Except when it comes to the playstations.

[Josh Laybody]

They advance like crazy.

[Co-host (possibly Emilio or similar Latino name)]

I think they're pretty advanced. Pretty crazy. What do you think about right? I think any kind of games are big advances. Yeah. But then again like a PlayStation doesn't come out every year either.

[Josh Laybody]

Yeah, there's like what, three or four.

[Co-host (possibly Emilio or similar Latino name)]

It's like you wait for like four or five years, bro. I am, there's a new place.

[Josh Laybody]

I am like not a gamer like at all. Like I've tried, I've wanted to be gamer. I think gamers are so sick like when they're like. But old school gaming Like, Tony Hawk, stuff like that. I was like, I don't know.

[Co-host (possibly Emilio or similar Latino name)]

I just feel like it's. I feel like nowadays, I just feel like I'm speaking for myself. It's the way, like, maybe, like, your childhood was, you know?

[Josh Laybody]

For sure.

[Co-host or guest]

Yeah. Like, I.

[Co-host (possibly Emilio or similar Latino name)]

My. My parents always had, like, a little console for us, and I think that's why. But, man, I'm also pretty.

[Josh Laybody]

Did you. Did you play a lot of sports when you were younger? Like, did you go out? Yeah, basketball.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, bro. Of course.

[Co-host or guest]

Yeah, yeah.

[Co-host (possibly Emilio or similar Latino name)]

Basketball, baseball, soccer.

[Josh Laybody]

But not, like, in organizations. Like, with friends.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, with friends.

[Josh Laybody]

Awesome.

[Co-host (possibly Emilio or similar Latino name)]

Sandlot A couple times. Yeah, yeah, yeah. Good amount marked. Yeah, for sure. More times than the average guy now or young kid. Yeah, for sure. Yeah. It's crazy, you know, if you follow those memes, it's like things that 90s kids that, like, the 2000 or the later 2000 kids don't, like, just you and them riding a bike, bro.

[Josh Laybody]

I would get influenced by movies, right? So I would watch a movie about, like, skateboarding, and then I'll be like, mom, I need a skateboard.

[Co-host or guest]

Yeah.

[Josh Laybody]

I need to be a skater.

[Co-host (possibly Emilio or similar Latino name)]

I know.

[Josh Laybody]

I want to be this in my life.

[Co-host (possibly Emilio or similar Latino name)]

A skater.

[Co-host or guest]

It was fun.

[Josh Laybody]

Any little thing. I was like, influence the basket. I saw. I saw airbud. I'm like, I'm gonna be a basketball player.

[Co-host (possibly Emilio or similar Latino name)]

I wanted a golden retriever, and I.

[Josh Laybody]

Wanted a golden retriever that can play.

[Co-host (possibly Emilio or similar Latino name)]

Basketball and beat the other high or beat the other middle school team. Yeah, that was crazy.

[Josh Laybody]

Have you ever. You watched, like, Mighty Ducks and stuff like that?

[Co-host or guest]

Yeah.

[Josh Laybody]

Have you ever seen the. There. It's like, kind of like a thing right now. The. The continuity errors in that movie are, like, insane, bro. Like, they're so, so crazy. Like, it'll be. There's, like, a scene where one of the players is, like, skating down, and he's in the scene, the opposite shot of him cheering, like, himself. Yeah. It's like they just didn't think about stuff like that or, like. Yeah, just little stuff that was just very obvious.

[Co-host or guest]

Yeah, yeah, yeah. Oh.

[Co-host (possibly Emilio or similar Latino name)]

Retracking back to the conversation prior that we were having about. I, obviously, I know you guys probably know that I'm not trying to, like, sound like this kid. Makes it seem like it's so easy to do things.

[Josh Laybody]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

I just really wanted to give, like, that was my genuine advice. That was advice that, you know, talking about, like, the, like, sacrificing time, investing in yourself, things like that.

[Josh Laybody]

Advice that maybe you would want to hear as a young.

[Co-host (possibly Emilio or similar Latino name)]

Exactly. I Was going to say these. This is the stuff that I would. I wish my dad told me this.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

My dad would just tell me, go to school.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know, and I love. I, I love my dad. My dad's a hard worker. But just like any else family and like in, in my, in my Mexican family, it was go to school. Oh, you don't want to go to school? Okay. But that was it. That was. It's either black or white. You know what I mean? There wasn't any, like, financial advice or. No, nothing. Yeah, there was no, like, you know, like, there was nothing. That's fine.

[Josh Laybody]

And the thing about grow up like that advice. And I. And hope, I know people know this about us. We understand that it's not a one size fits all.

[Co-host (possibly Emilio or similar Latino name)]

For sure.

[Josh Laybody]

This advice that you're giving is very specific to a person who might not be doing the most that they could be doing in their life.

[Co-host (possibly Emilio or similar Latino name)]

100.

[Josh Laybody]

There are also people on the opposite spectrum of that.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Josh Laybody]

Like the single moms who have three kids and they're working multiple jobs or the people that really have to, like, take care of their family and they can't just give up on not working or, like, lock in and like, save their money. Right.

[Co-host (possibly Emilio or similar Latino name)]

Because that single mom with three kids, she's already sacrificing time. She's already investing in herself. She's trying to. So, you know, for those people out there that are listening to me, you know, like you said, it's not a one size fits all, but this is just like. Yeah, it's simple advice that I'm trying to give the person who might be lacking a little bit, like, advice.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know, I, I was never.

[Josh Laybody]

You gave a good example of, like, that person who's just always in a financial slump, but they're the first ones that are out partying money and not like, valuing the things that they should be prioritizing.

[Co-host (possibly Emilio or similar Latino name)]

That was me.

[Josh Laybody]

And now they're in a situation where they're, like, complaining. It's like, bro, you're complaining. But look at the, look at the way you live your life. Like, it's a. It's a reflection of how you live.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, that's what I kind of wanted to retract because I wasn't talking about every person. No, I was talking about the person that might need what. What I needed to. What I'm saying right now. And that's real.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know, I'm trying to talk to the person that's listening to me right now who might need this advice specifically.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Because I know that there's single moms or single dads out there that might listen. Oh, you know, you don't know. You know, you're right. I don't.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

But it's just general advice that I would love to be. That I would have loved that advice when I was a kid, you know?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Yeah. My mom would tell me like, yano Salgastanto, save your money. This and that, you know, but just the whole investing in yourself and if you want to do something, you know, like, you know, do save your money and invest in that stuff, you know, invest in buying equipment, you know, invest in things that you would actually, you would love to do.

[Josh Laybody]

I think you also said something that I like about like putting, not being afraid to put yourself out there. I think a lot of people are, are like they, they limit themselves out of fear and they don't get to live their full potential because they're. They're so scared.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Josh Laybody]

Tony Robbins has one of my quotes that he says a lot. He's like, courage doesn't mean you're not scared. Courage means that you're scared and you do it anyways. Like, you got to be okay with being uncomfortable because outside of that uncomfort or on the other side of the uncomfort is something that you'll never experience that's going to level you up. And that's the thing like that uncomfortability of what you're saying. Like some people are. Don't want to talk to people at events even though they should be networking because they don't want to feel that discomfort or the judgment or anything, any, any lie that they've created in their head about how they're going to be perceived.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

You know, 100.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

But that whole if you're not a networker, speak talker type stuff, like, I, I tell that to everybody. I think everybody should be like that. You know, I think closed mouths don't get fed.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And you know, I think even myself when I was like in early high school, even a little bit like getting out of high school, super quiet, bro, I was not like the way I am right now. I don't know what happened. But, you know, you start getting sparks, little sparks that tell you, oh, I could be that kind of guy or I could talk like that kind of guy, you know, and I could be this person and you know, a little spark here and there ignites, you know, bigger fires.

[Josh Laybody]

You got to do whatever you need to do. Sometimes you gotta like, fake it till you make It. You gotta, like, embody this, like, thing to, like, be this person that you want to be, bro.

[Co-host (possibly Emilio or similar Latino name)]

Fake it till you make it is, like, the best advice, too.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Honestly, I'm not saying be fake.

[Co-host or guest]

Yeah.

[Josh Laybody]

I almost take it as, like, channel this person that you envision yourself of becoming and just live that pocket.

[Co-host or guest]

Yeah.

[Josh Laybody]

You know what I mean? And then you just get better at becoming this in person that you have. Everybody has that person.

[Co-host (possibly Emilio or similar Latino name)]

Right.

[Josh Laybody]

Like, everybody has this idea of this person that they want to be. Would you agree?

[Co-host (possibly Emilio or similar Latino name)]

Yeah.

[Josh Laybody]

Even to this day, you have somebody in mind that you, like, you really want to be one day.

[Co-host or guest]

Yeah.

[Josh Laybody]

So it's like, constantly embodying that every day.

[Co-host (possibly Emilio or similar Latino name)]

Just get a little closer to it, even if it's not real, because eventually it. You're like, oh, it's starting to be real.

[Josh Laybody]

Have you ever seen Matthew McConaughey's speech where he talks about. They asked him, like, who his hero is, and then he said, me, in 10 years. Like, that's the person he's living to be. And then he goes, In 10 years, when I'm that person, my hero is going to be the neck. The. The me in 10 years again.

[Co-host or guest]

Yeah.

[Josh Laybody]

It's like chasing that person that you're striving to become every. Every time that you can.

[Co-host (possibly Emilio or similar Latino name)]

I also don't like to tell people to, like, sacrifice everything and don't be scared to lose everything or to lose.

[Josh Laybody]

Because, like, you should hear this, bro. This is really good.

[Inspirational Speaker or Guest]

I had a very important person in my life come to me and say, who's your hero? And I said, I don't know. I gotta think about that. Give me a couple of weeks. I come back, two weeks later, this person comes up and says, who's your hero? I said, I thought about it. You know who it is? I said, it's me in 10 years. So I turned 25. Ten years later, that same person comes to me and goes, so, are you a hero? And I was like, not even close.

[Co-host (possibly Emilio or similar Latino name)]

No, no, no.

[Josh Laybody]

She's.

[Co-host (possibly Emilio or similar Latino name)]

He said, why?

[Inspirational Speaker or Guest]

I said, because my hero is me at 35. So you see every day, every week, every month, and every year of my life, my hero is always 10 years away. I'm never going to be my hero. I'm not going to attain that. I know I'm not. And that's just fine with me because that keeps me with somebody to keep on chasing. So to any of us, whatever those things are, whatever it is we look up to, whatever it is we look forward to and whoever it is we're chasing to that, Isaiah. Amen to that, I say. All right, all right, all right.

[Co-host (possibly Emilio or similar Latino name)]

Hey. He's so badass.

[Josh Laybody]

He's the definition of just like smooth, bro. I look at him and I'm just like, God, I want some whiskey.

[Co-host (possibly Emilio or similar Latino name)]

You know what I mean?

[Josh Laybody]

That's a God.

[Co-host (possibly Emilio or similar Latino name)]

He's so sick, bro.

[Josh Laybody]

Yeah, I like that idea. It's just like constantly chasing that person that you want to, like, become whatever you, like, strive for and stuff.

[Co-host (possibly Emilio or similar Latino name)]

Great advice.

[Additional Guest or Contributor]

A lot of that, Josh.

[Co-host (possibly Emilio or similar Latino name)]

A lot.

[Josh Laybody]

Me too. A lot, bro.

[Additional Guest or Contributor]

Every time I'm at the gym, it's like little stuff like that and it helps the so, man.

[Josh Laybody]

Yeah, for sure.

[Co-host (possibly Emilio or similar Latino name)]

Dude.

[Josh Laybody]

There's so many cool videos on YouTube. Like, if you just need like a bump of inspiration, like, just. You'll find something. People make some cool ass videos now. It's insane.

[Additional Guest or Contributor]

There's one with the interstellar music in the back.

[Josh Laybody]

Oh, yeah, yeah, dude.

[Co-host (possibly Emilio or similar Latino name)]

Interstellar. Interstellar background music is crazy.

[Josh Laybody]

I could be listening to anything in the background. I'm like, I'm fired.

[Co-host (possibly Emilio or similar Latino name)]

You know, like, what was it? Like a year ago? They brought in a seller back into Too IMAX or whatever.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

So I obviously watched it back. I told everybody to watch a movie. So, like, interstellar was in my life for about a good five months. You know, I just always constantly thinking about it or, like, speaking about it. And obviously I cycle a lot, so I was like, you know what? Instead of, you know, my playlist and stuff that I normally always bump, you know, whether it be house music or any type of Latin music or whatever, why don't we play the Hans Zimmer in a stellar soundtrack and it was awesome, bro. Yeah, it was so good. That guy's amazing.

[Josh Laybody]

It's crazy how, like, people can get together and there's so many other things, but like a movie like that and everything is just so perfect and everybody gives their everything, right? Like the director, right? Christopher Nolan, like, he created a masterpiece and then he teams up with Matthew McConaughey and he delivers a performance of a lifetime. Not just him, but everybody else. And then Hans Zimmerman creates, like, everything was so brilliant. Like, it's just.

[Co-host (possibly Emilio or similar Latino name)]

You got to create that.

[Co-host or guest]

You know what I mean?

[Co-host (possibly Emilio or similar Latino name)]

You got to create the team.

[Additional Guest or Contributor]

And Hathaway.

[Josh Laybody]

And Hathaway. Brilliant too.

[Co-host (possibly Emilio or similar Latino name)]

She was.

[Josh Laybody]

Everybody was. So the script of it is so good.

[Co-host (possibly Emilio or similar Latino name)]

Until this day, I still think about Anne Hathaway and the other planet that she finally discovered just sitting down, just waiting for Matthew McConaughey. And they haven't made the movie. To me, find out. And they never will. I think.

[Josh Laybody]

I don't think he will.

[Financial Expert or Guest]

She did.

[Co-host (possibly Emilio or similar Latino name)]

She found. She did what?

[Josh Laybody]

She's dead, bro.

[Financial Expert or Guest]

She's dead.

[Co-host (possibly Emilio or similar Latino name)]

I know. Who knows? Who knows? Because they were living in planets that they were only living.

[Josh Laybody]

Time was different.

[Co-host (possibly Emilio or similar Latino name)]

Time was so different that, like, I don't know how time is over there, but time was so different that, like, when they would come back to Earth, Everybody else was 100 years old, and they were still, like. It was like, seven months for them.

[Financial Expert or Guest]

Yeah, like, the. The guy that stayed. The scientist that stayed in the shuttle, right. Waiting for them. He had, like, gray hair and a beard and everything.

[Co-host (possibly Emilio or similar Latino name)]

Dude, that was freaky. I was like, yeah.

[Additional Guest or Contributor]

Or the other version of the Matt Damon guy comes back to life and he goes and hunts Matthew McConaughey.

[Co-host (possibly Emilio or similar Latino name)]

Oh, yeah.

[Co-host or guest]

Yeah, yeah, yeah, yeah. Oh, yeah.

[Co-host (possibly Emilio or similar Latino name)]

Every time I watch that movie with somebody and, like, I'm watching it, right? And then I see, like, for example, that part where it's like, I've been in the spaceship for 27 years or whatever, and I know that part's going to come out. Come out and, like, say, you. I see you open up your phone for whatever reason, I will pause the movie. And I like, josh, put your phone down. You're gonna miss this part.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Like, I need you to see every part. That's crucial.

[Josh Laybody]

Movies to watch. I'm gonna just name one.

[Co-host or guest]

Oh, yeah, yeah.

[Josh Laybody]

Goodwill hunting. I know. It's like a very common.

[Co-host or guest]

Yeah.

[Josh Laybody]

Great movie. But have you ever seen it? Yeah, it's like, definitely, to me is like, poetry.

[Additional Guest or Contributor]

I haven't seen it in so long. I should be watching.

[Co-host or guest]

Dude, I had.

[Josh Laybody]

I had Mo watch it.

[Co-host or guest]

Yeah.

[Josh Laybody]

Watch for. And she was like, this movie's so good.

[Co-host or guest]

It's.

[Josh Laybody]

There's certain movies that just kind of just hit you, bro.

[Co-host or guest]

I know. Yeah.

[Additional Guest or Contributor]

Have you guys seen the movie Comet? Watch that.

[Josh Laybody]

That's good.

[Additional Guest or Contributor]

It's a really good, like, romantic movie.

[Co-host or guest]

Yeah, it's.

[Additional Guest or Contributor]

You know, the guy. I forgot his name, but he's in, like, in a lot of teen movies. Really well done and teen movies. It's kind of like 500 days of summer in a way.

[Co-host (possibly Emilio or similar Latino name)]

But great movie.

[Co-host or guest]

Better.

[Josh Laybody]

Great movie. That's your favorite movie of all times. And Interstellar.

[Co-host or guest]

Yeah.

[Josh Laybody]

Over Titanic.

[Additional Guest or Contributor]

That's one of mine.

[Co-host (possibly Emilio or similar Latino name)]

Hell, yeah, bro. Titanic's not even top 10. I think it's a fantastic movie. Yeah, but, like, I mean, top 10 for me.

[Josh Laybody]

No, it's not a top 10 movie.

[Co-host (possibly Emilio or similar Latino name)]

But I think it's a top 10. Like, it's a top 100 movies in humanity. Yeah, like maybe like a hundred. Like say 100 people in this world want to vote for.

[Josh Laybody]

I think that's going to be a.

[Co-host (possibly Emilio or similar Latino name)]

Top 10 average average out to that.

[Josh Laybody]

Yeah, that movie's gonna make it.

[Co-host (possibly Emilio or similar Latino name)]

It was sick, bro. It was a sick ass movie. Nothing like it, especially around that time. And you watch that movie again right now and you're like, damn, this is a good movie. Like it doesn't look so fake, you know? It looks sick.

[Josh Laybody]

Yeah, it looks crazy. You look at a movie, scenes are real.

[Co-host (possibly Emilio or similar Latino name)]

You look, you look at a movie around that same time, like, have you seen Deep Blue Sea? Yeah, about the sharks. And I think like JLo. No, no. Lo cool J's in there. And you never seen Deep Blue Sea.

[Josh Laybody]

Deep blue Sea. Of course, yeah.

[Co-host (possibly Emilio or similar Latino name)]

And it's like this movie about like huge ass sharks and they like. You watch that movie back and you're like, come on.

[Josh Laybody]

Terrible.

[Co-host (possibly Emilio or similar Latino name)]

But like back in the day, you're like, damn, this shit's scary.

[Co-host or guest]

Yeah.

[Josh Laybody]

You know, bro, some of my favorite things to watch on Tick Tock is like movie facts, right? Like you find out about something that went wrong or like it was just a crazy day on scene, right? There is a. There's like a. There's like a thing that happened to Neil DeGrasse Tyson, the. The astrophysicist. You know what I'm talking about, right? You've seen it before, right?

[Co-host (possibly Emilio or similar Latino name)]

Of course.

[Josh Laybody]

Where he, he found out that in the movie Titanic he saw the sky that they were looking up on.

[Co-host or guest]

Oh yeah, yeah.

[Josh Laybody]

We talked about this before, right? And then he went up to the director and was like, you. You got the sky wrong.

[Co-host (possibly Emilio or similar Latino name)]

It's wrong.

[Josh Laybody]

Yeah, yeah. And then that day, that specific day, and then the director was like, oh, imagine how many more billions I would have made if I would have got the sky right. Like just Sun, Neil DeGrasse and Neil DeGrasse and like tells this story and I just think it's so funny. I'm like, bro, you got sun. Told you. Imagine if I was. Would have got the sky right. But then I guess the director.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, on the uncut scenes, no.

[Josh Laybody]

Oh, they added the right sky. Cuz he told like, he was like, call. But the guy from Ted, who wrote, who wrote Ted, Seth. Seth McFarland, he had called Neil Degrass. He's like, Hey, I need a sky from 1770, 1975. Like, where was the sky then? And I'm like, damn. They could just like find.

[Co-host (possibly Emilio or similar Latino name)]

Yeah, I never, I don't understand how they do that?

[Josh Laybody]

Yeah. No idea.

[Co-host (possibly Emilio or similar Latino name)]

That's way out of my knowledge.

[Josh Laybody]

Pay grade.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

No, but I think I heard that it's crazy since they. When they re released Titanic again with the uncut scene.

[Josh Laybody]

The sky's.

[Co-host (possibly Emilio or similar Latino name)]

The sky was the sky. I think he called Neil and was like, I need help on the sky because I want to get it right.

[Co-host or guest]

Yeah, yeah.

[Josh Laybody]

Which is crazy.

[Additional Guest or Contributor]

Attention to detail like that.

[Josh Laybody]

It's crazy. Yeah. Because you don't even think about that. But what's even fascinating too is like Neil DeGrasse Tyson watched that was like. I think they have the wrong sky. That's crazy.

[Co-host (possibly Emilio or similar Latino name)]

How do you even.

[Josh Laybody]

Yeah, yeah, it really is. That's just kind of crazy.

[Co-host (possibly Emilio or similar Latino name)]

Do you know what else movie I saw recently? And I was like, I' ma just watch this because I'm trying to go to sleep. Right Tusk. Oh, that movie. Remember the Disney Pixar movie, Ants?

[Josh Laybody]

Oh, yeah.

[Co-host (possibly Emilio or similar Latino name)]

Trash, bro. Really?

[Josh Laybody]

Like the quality of the. The animation so bad.

[Co-host (possibly Emilio or similar Latino name)]

Oh, the story's great. But I. You watching that movie.

[Josh Laybody]

Oh, Ants. I'm thinking bug life.

[Co-host (possibly Emilio or similar Latino name)]

No, Bug life was like, sick animation. Yeah, bro, please look at this more like in the background. Like you watch, like. And I'm not hating on. I'm just saying when we were little, this shit was like, crazy sick.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And it was still sick, but like, the background of like, the characters and shit I'm looking at. I'm like 23D guy. It was so weird and freaky.

[Josh Laybody]

Could you. Did you even enjoy it anymore?

[Co-host (possibly Emilio or similar Latino name)]

Like, not really, because I was just like, this is like funnier. Yeah, but that was a great movie. A great storyline too.

[Financial Expert or Guest]

Yeah, it was DreamWorks.

[Co-host (possibly Emilio or similar Latino name)]

Oh, DreamWorks. I'm sorry.

[Josh Laybody]

Can you watch like, really old black and white movies with like. You can.

[Co-host (possibly Emilio or similar Latino name)]

I can't. I love it.

[Josh Laybody]

I don't think I can. I kind of get over it.

[Co-host or guest]

No, I can't.

[Josh Laybody]

It's my fried brain.

[Additional Guest or Contributor]

I love the Twilight Zone. Did you guys ever get into this?

[Josh Laybody]

No.

[Additional Guest or Contributor]

They're sick.

[Co-host (possibly Emilio or similar Latino name)]

Oh, yeah. That was sick.

[Co-host or guest]

Yeah. Yeah.

[Co-host (possibly Emilio or similar Latino name)]

The Twilight Zone. Like the freaky show, right?

[Josh Laybody]

Yeah, the show.

[Additional Guest or Contributor]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Great ride.

[Josh Laybody]

Well, it used to be.

[Co-host (possibly Emilio or similar Latino name)]

I liked it better when I was Twilight Zone. Yeah, it was a little cooler because Guardians of the Galaxy. I just felt like they just had to do that. Yeah, but it doesn't make sense because why are we in a hotel? Why are we in the Hollywood Tower Terror?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And you go. Just go inside there and it's just like rocket raccoon. It's just rocket raccoon rolling Around. Yeah, like, I get it, but that's not it. No more.

[Financial Expert or Guest]

Speaking of returning to movie theaters, did you hear that Twilight, like, Bella Swan and Edward Cullen is coming back? Yeah, it's coming back to theaters.

[Josh Laybody]

They're gonna show.

[Co-host (possibly Emilio or similar Latino name)]

They're gonna like, wow, reshoot or like.

[Financial Expert or Guest]

No, no, like the actual movie. A re release in movie theaters.

[Co-host (possibly Emilio or similar Latino name)]

It's gonna be big, huh?

[Josh Laybody]

Oh, it's gonna be huge.

[Co-host (possibly Emilio or similar Latino name)]

I remember I. It was like, what, 2009 when that movie came out.

[Josh Laybody]

It's crazy when, like, something like that and pop culture hits and it becomes like, everything, bro. Like, everyone's talking about it.

[Co-host (possibly Emilio or similar Latino name)]

Jacob, what was that famous line that she told Jacob? Something about. No, Jake.

[Co-host or guest]

Yeah.

[Josh Laybody]

Bella. Where you been, loca?

[Co-host (possibly Emilio or similar Latino name)]

Wow, who approved that?

[Josh Laybody]

It's so weird. It's such. Why the 00 cents?

[Additional Guest or Contributor]

It's my favorite one.

[Co-host (possibly Emilio or similar Latino name)]

Like, did. What's his name again? His actual. Taylor Lautner. Did he not read the screen? Like. I'm not saying that.

[Josh Laybody]

Yeah, he didn't care.

[Co-host (possibly Emilio or similar Latino name)]

He was a kid.

[Josh Laybody]

And he's not Latino, right?

[Financial Expert or Guest]

No, no.

[Co-host (possibly Emilio or similar Latino name)]

Have you ever heard of a Latino with the last name Lautner?

[Josh Laybody]

He. I just saw an interview where he was talking about. He has a podcast where he had to, like, put on muscle for that movie. Yeah, it looked good because he was so young and his metabolism was so fast that, like, he had to be taking, like, 4, 000 calories a day that his trainer had him do zero cardio because he was burning muscles and, like, so fast. So he would, like, have to be woken up, like, at 5:00am he was, like, telling the story. I was like, damn, that's crazy, bro.

[Co-host (possibly Emilio or similar Latino name)]

He had all the chicks on a chokehold around that time.

[Josh Laybody]

And then especially after the second one, he was all like, Diesel.

[Co-host (possibly Emilio or similar Latino name)]

Everybody wanted to be him.

[Josh Laybody]

Yeah, it was Lava Boy first or do him.

[Co-host (possibly Emilio or similar Latino name)]

Do him. For sure. He has a. He has a wife, you know, her.

[Financial Expert or Guest]

Name is also Taylor. So Taylor Lautner is married to Taylor, and if she took his last name.

[Co-host or guest]

She'S also Taylor Lautner.

[Co-host (possibly Emilio or similar Latino name)]

So she didn't take her last.

[Co-host or guest]

His last.

[Josh Laybody]

There's a couple that. They have the same name. Like, they have the same.

[Additional Guest or Contributor]

Oh, like Stanley Yell.

[Josh Laybody]

Nats.

[Co-host (possibly Emilio or similar Latino name)]

Hey, speaking about you, you were just talking about the Mighty Ducks. Did you know that the coach that. The coach? Yeah, that's Charlie Sheen's brother.

[Josh Laybody]

What?

[Co-host (possibly Emilio or similar Latino name)]

Yeah, and Charlie Sheen's dad is Bombay or something. Super famous, too.

[Josh Laybody]

He goes by Bombay in the.

[Co-host or guest]

In the.

[Co-host (possibly Emilio or similar Latino name)]

Oh, I don't know. But the coach. The. You know, the way Coach Bombay.

[Josh Laybody]

It's name. It's name's Coach Bombay.

[Co-host (possibly Emilio or similar Latino name)]

Coach Gordon Bombay playing Emilio Estes, which.

[Additional Guest or Contributor]

Neither the Rock.

[Co-host (possibly Emilio or similar Latino name)]

Yeah. Can you put Emilio est brother. You know, they even look like they look alike.

[Josh Laybody]

That's crazy.

[Co-host (possibly Emilio or similar Latino name)]

The only reason why, cuz Emilio and Charlie Sheen, they grew up obviously together, you know, making.

[Josh Laybody]

Wait, he was in Night of the Roxbury.

[Additional Guest or Contributor]

Yeah, I remember that.

[Co-host (possibly Emilio or similar Latino name)]

The whole bit.

[Josh Laybody]

Oh, you're right.

[Inspirational Speaker or Guest]

Yeah.

[Co-host or guest]

Oh, yeah, yeah, yeah.

[Josh Laybody]

He's not the main guy though.

[Co-host (possibly Emilio or similar Latino name)]

The Mighty Duck. So. But. But the dad, his name was. I forgot. It's like something Sheen. And he was famous, bro.

[Josh Laybody]

The dad was.

[Co-host (possibly Emilio or similar Latino name)]

The dad was the first famous one.

[Co-host or guest]

Oh, wow.

[Co-host (possibly Emilio or similar Latino name)]

He was famous in the movie Apocalypto back then. It was like a super famous movie. Wait, that's their dad, Martin Sheen?

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Oh, he's in a lot of. It's like them three are like our actors big time. I didn't know that either.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

So he. Estevez didn't take the Sheen name because his dad was like, your name kind of goes like Emilio Estevez. Oh, and then Charlie Estevez is. He took Sheen.

[Additional Guest or Contributor]

That sounds whack.

[Josh Laybody]

Who's Esteban? Who's is that?

[Co-host (possibly Emilio or similar Latino name)]

That's their real name. Last name. They changed Charlie Estevez. Oh, but he changed it to Sheen because Martin. Martin is. That was Sheen.

[Josh Laybody]

Interesting.

[Co-host (possibly Emilio or similar Latino name)]

But Emilio Estevez stuck with his name. The Mighty Duck man.

[Josh Laybody]

I want to make sure that I'm like, I'm. That I'm that calculated with like my kid's name. Like names that just flow so buttery.

[Co-host (possibly Emilio or similar Latino name)]

Have you thought about, like, kid names?

[Josh Laybody]

Yes and no. More no than yes. If I'm being honest, I haven't heard it. I wanna. I want a name to hit me where I'm like, man, I love that.

[Co-host (possibly Emilio or similar Latino name)]

And you haven't got that name.

[Josh Laybody]

Sometimes I'll think of a name and I'm like, has to like. I like the name. Like, I think the name Cash is cool. Like, that's such a cool name.

[Co-host or guest]

Yeah.

[Josh Laybody]

I'm like, am I gonna call my kid Cash?

[Co-host (possibly Emilio or similar Latino name)]

I like. I like the name Cash.

[Josh Laybody]

Cash is cool.

[Co-host (possibly Emilio or similar Latino name)]

There's other names that are so. Like, there's people that name their kid. I'm like, what were you thinking?

[Co-host or guest]

Yeah.

[Josh Laybody]

Have you thought of names?

[Co-host (possibly Emilio or similar Latino name)]

Not. Not as much. I have some names that I. I feel like I'm very old soul.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And I like. I like naming my name from like family members that mean something to me.

[Josh Laybody]

Oh, that's cool.

[Co-host (possibly Emilio or similar Latino name)]

You know, whether it be first or middle name.

[Co-host or guest]

Yeah.

[Additional Guest or Contributor]

Should we drive somewhere else?

[Josh Laybody]

Yeah, let's go somewhere else, bro.

[Financial Expert or Guest]

Maverick.

[Josh Laybody]

Maverick is, ah. It's a little.

[Co-host (possibly Emilio or similar Latino name)]

I like the name Maverick.

[Josh Laybody]

It reminds me of Logan Paul because he has like a whole.

[Co-host (possibly Emilio or similar Latino name)]

Oh, got it.

[Josh Laybody]

So it's like certain things like that, they're just kind of tainted.

[Co-host (possibly Emilio or similar Latino name)]

I just feel like if I name my kid Maverick, my dad would be like, why? Yeah, you know, Edgar. Edgar's a great name. We need to bring Edgar back and sound and give it like a.

[Josh Laybody]

A cooler.

[Co-host (possibly Emilio or similar Latino name)]

Like we need to like, like go in a lab.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

And create the new Edgar versions of Edgar's. And they're just crazy. Like, I mean Edgar's are handsome. It's just haircut.

[Josh Laybody]

Yeah, it's growing on me a little bit.

[Co-host (possibly Emilio or similar Latino name)]

The haircut, bro. What about if you have a son one day and he has the Edgar haircut?

[Josh Laybody]

It's not even going to be that. It's going to be a different thing. It might be like that we grew up with like Jersey Shore kind of styles because everything circulates.

[Co-host (possibly Emilio or similar Latino name)]

I think the version of the Edgar haircut when we were kids because all. Don't get me wrong. Well, we grew up rocking. I don't know if you did, but I did. I think you did. Spiky hair.

[Josh Laybody]

Oh, spiky hair. Spiky hair was a.

[Co-host (possibly Emilio or similar Latino name)]

Do you see spiky hair nowadays? No one has gelled up spiky hair.

[Josh Laybody]

Like textured or. But not like spiky. It's not unless you're the guy from the food show. The. The Dave's drives.

[Co-host (possibly Emilio or similar Latino name)]

Can I say something? I think that guy from the food show. What's his name again?

[Josh Laybody]

Fury Guy Fieri.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

He looks so cool.

[Josh Laybody]

He just has a look.

[Co-host (possibly Emilio or similar Latino name)]

I love his hair.

[Josh Laybody]

Yeah, he has a look.

[Co-host or guest]

Look.

[Josh Laybody]

But he just like he. It's like a character though.

[Co-host (possibly Emilio or similar Latino name)]

It's like I think 10 years ago when he started getting famous or I don't know how long. I think he looked a little bit different still with spiky hair. But I saw him on an interview recently. I was it with Joe Rogan or something like that. The guy looks cool.

[Josh Laybody]

I dress like it was Bad Friends. He was on Bad Friends.

[Co-host (possibly Emilio or similar Latino name)]

Oh, yeah. Maybe Bad friends. He looked cool as to me.

[Co-host or guest]

Yeah.

[Josh Laybody]

Cool guy, man. Let's bring back spiky hair, dude. Yeah, all of us. You should spike your hair right now.

[Co-host (possibly Emilio or similar Latino name)]

Like the.

[Josh Laybody]

The Liberty. Liberty spikes.

[Co-host (possibly Emilio or similar Latino name)]

You see, like that was crazy. That's right.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

So that to me was like the Edgar haircut back in the day. But the thing is, is that like everybody was doing it White people, Asian people, Mexicans. Like, everybody was doing this by character with the Edgar cut. Well, no, I'm wrong. The Ibiza King has a Edgar haircut.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

A bunch of people in the UK have the Edgar haircut.

[Josh Laybody]

I remember one time I. This is as. I got a little older, like an early 20s, 15 years ago, and I even did videos about it. I had. Somebody had told me that, like, I.

[Co-host (possibly Emilio or similar Latino name)]

Kind of had, like, a hair.

[Josh Laybody]

Zayn Malik hairstyle. So I would. Any hairstyle he would do, I had to try it.

[Co-host or guest]

That.

[Additional Guest or Contributor]

From One Direction.

[Josh Laybody]

From One Direction, yeah. Like, I just.

[Co-host (possibly Emilio or similar Latino name)]

He had great hairstyles.

[Josh Laybody]

He had cool hairstyles. I would just kind of do whatever he would do. Yeah. Or at least my version of that.

[Co-host (possibly Emilio or similar Latino name)]

I would take a lot of inspiration from him and, like, tweak it a bit. Like, more my style. When I was doing hair, when I was at the.

[Josh Laybody]

He was like, the person.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Like. And it was cool because he had so many hairstyles to replicate. You want an undercut, you should do the one that, like, Brad Pit. Either Brad Pit or Kazane had one, too.

[Josh Laybody]

Oh, yeah.

[Co-host (possibly Emilio or similar Latino name)]

Or if you want the. All, like, the flow and stuff. Like, you know, it was cool.

[Co-host or guest]

Yeah. All right, y'. All.

[Josh Laybody]

We appreciate you guys. Episode 2 Two of 1 Three in the Books. Dallas, El Paso. Thank you for an incredible show.

[Co-host or guest]

Yes.

[Josh Laybody]

Subscribe to the channel if you're not subscribed. And we need to bring some. I feel like we haven't had a guest in a long time. Let's bring a guest. Drop some names below. We'll bring on Ronnie. Ronnie Banks. Ronnie Banks, right?

[Co-host or guest]

Yeah.

[Josh Laybody]

Yes, we'll bring him on. I've known that guy for, like, so long through social media. Not like. Like, we've been acquaintances through social media for, like, a long time.

[Co-host (possibly Emilio or similar Latino name)]

I want him to talk to you about LASIK procedure.

[Josh Laybody]

Convince me.

[Co-host (possibly Emilio or similar Latino name)]

So you can finally go.

[Josh Laybody]

Only if you. One of you guys all just go.

[Co-host (possibly Emilio or similar Latino name)]

With it and we'll just all blog it.

[Josh Laybody]

Both are holding my hand.

[Co-host (possibly Emilio or similar Latino name)]

It's a scary procedure. Yeah, I know, but it's not that scary. That's the thing. Use my code at Dr. Feenerman's office.

[Co-host or guest]

Yeah.

[Co-host (possibly Emilio or similar Latino name)]

Thank you guys so much.

[Josh Laybody]

I already got everything.

[Co-host (possibly Emilio or similar Latino name)]

Scottsdale, Scottsdale, San Jose and Riverside. Tickets are still available. Yes, we on the way.

[Josh Laybody]

Thank you, guys. Love you.

[Co-host (possibly Emilio or similar Latino name)]

Los vemos, los vamos. Ciao. Great guy. So I haven't. I don't.

[Co-host or guest]

Yeah.

[Josh Laybody]

Can lighter structures really be stronger? Yes, they can. Exxon Mobil is helping advance American industrial innovation with Proxima Systems, enabling a lighter and stronger alternative to traditional rebar while lowering greenhouse gas emissions to help build a more more efficient construction industry with sustainability in mind. ExxonMobil let's deliver.