
Financial Advisors React | Insane Money Clips
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Bo Hansen
so good, so good, so good.
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Brian Preston
Y' all ready to get wild? Let's see some insane money clips.
Young Adult with No Savings
Brent.
Bo Hansen
I am so excited. Cause whenever the team says insane, we know it's gonna be good.
Young Adult with No Savings
I'm 27 and I have no savings.
Carefree Spender
Only broke people would disagree with me on this.
Financial Literacy Questioner
Do you know what a 401k is?
Bo Hansen
Absolutely not.
Financial Literacy Questioner
Do you know how to mail a check? Not a clue.
Day 60 Trader
Day 60 out of 60 of making 10k in 60 days.
Bo Hansen
It just doesn't work that way.
Young Adult with No Savings
Between me and my wife, we make about $150,000 per year poverty line.
Financial Literacy Questioner
What?
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I hire a private chef to cook the meals.
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How old are you and how much do you have in savings?
Young Adult with No Savings
I'm 27 and I have no savings.
Indeed Ad
Okay, and what's holding you back from saving right now?
Young Adult with No Savings
I think that money is an idea that allows people to do what they want with their time. And I think most people stress about the value that they have at a specific time in their life. But I like to think about myself as less of a member of society, but more of a member of nature and the universe.
Bo Hansen
Okay, so that's a perspective. You might have a different perspective, different idea. But even if you do think of yourself as a member of nature in the universe, money for most people is still a necessity in order to do the things that we value. Maybe one of the things you value is being in nature or spending time having activities and making memories of the universe. And to do those things, most often you have to have some sort of money to be able to do that. And if you want to be able to do those things in the future, you probably ought to be saving some sort of money today so that you can have in the future first of
Brian Preston
all I know you're going, that is a very small inseam on that.
Bo Hansen
Their shorts, they're short shorts.
Brian Preston
And also I can go ahead and tell you as a person that grew up with everybody wearing cut off jean shorts cuz that's the way all my uncles when they used to come over to go, that's how you make short. Then jean shorts can't go in swimming pools cuz they can mess up your pumps and stuff. So you just got to, you got to be careful. He's got all kind of things going on there. But the other thing I was going to say is look for somebody who loves nature and wants to be part of the universe and is in his 20s, this is the ideal time to just take a little bit of today to build that great big beautiful tomorrow to utilize that most powerful resource he has, which is time. Put that money to work, your future self will thank you and you'll still care about the universe.
Carefree Spender
Only broke people would disagree with me on this. But I have a carefree spending habit towards money. A lot of times people will try to criticize my spending habits and they'll be like, dude, you could save this much a day or if you cut this out, you could save this much money at the end of the year. Listen, I don't care. I got motion and movement. I'm not looking to penny pinch because the moment that I do, I am now controlled by money and I am controlled by dollars. I am going to live my life the way that I want to and I'm going to earn the money to exceed the spending. It's never a spending issue, it's an earning issue. And honestly, adopting this mindset, 10x my income, it works.
Bo Hansen
It works. And look, he's actually laying out something fairly noble. That money itself should not be the goal. The goal should not be to stack money to have money, but rather than to use your money to do the things that you want to do on the goals that you have and focus on the experiences you want to be able to take advantage of. Now, where that falls apart is yes, so long as you earn more than you spend, you're going to be okay. But if you never save and you've never stack anything for the future, that means for the rest of your life, well into your old age, you are going to have to always be able to earn more than you spend. And most people, as they age, as they get into the twilight years, they want to work less and have more free time and not be controlled by having to show up to earn a wage. If you subscribe his philosophy, you will never break that cycle.
Brian Preston
There is a case to be made that you can live this buck wild life and the algorithms will reward you and you'll make millions of dollars. And we, we know a few of those people and it can work. But I gotta be honest with you, they're the outliers, they're the, the statistical. This shouldn't be happening. But it is. And he might very well be one because I could tell he was sitting in some type of fancy car based upon the stitching of the leather, and then you could tell. So he's building this life off of his crazy lifestyle, his opulent lifestyle, and it might be working for him, but to try to replicate this in your life and not expect it, or expect dividends, or for your life to turn out to be the best version of itself is a fool's errand.
Carefree Spender
If you have one penny and melt it down, the copper is worth 4 cents of metal. That means with just $1, you can trade it for 100 pennies. Melt those and you've got $4 worth of copper. Take that $4, swap it for 400 pennies, $16. Every time you repeat it, your money multiplies by 4, until finally on the 10th trade, you end up with $1 million and a lifetime in prison.
Bo Hansen
There. There is truth in this, that the cost of creating a penny was more than one cent. So they've said they're not going to create any more pennies. They're done. They're done producing that. The idea here is that, oh, this might be a get rich quick, quick scheme, a way to beat and break the system. I don't know that you would be able to extrapolate this out into millions and millions and millions of dollars. And they are true. If you destroy money that I think is against the law, and it could likely maybe end you up in jail. Maybe.
Brian Preston
Yeah.
Financial Literacy Questioner
Do you know how to do your taxes?
Carefree Spender
No.
Financial Literacy Questioner
Do you know how to build credit? Do you know what a 401k is?
Carefree Spender
Absolutely not.
Financial Literacy Questioner
Do you know how to mail a check? Not a clue. Do you know how to balance a checkbook?
Brian Preston
Nope.
Financial Literacy Questioner
Do you know what a mortgage is?
Carefree Spender
No.
Financial Literacy Questioner
Do you know what the powerhouse of the cell is?
Brian Preston
The mitochondrial. The what?
Financial Literacy Questioner
The Pythagorean theorem.
Bo Hansen
A squared plus B squared equals C squared.
Financial Literacy Questioner
Do you know what moon phase this is?
Young Adult with No Savings
Waxing crusher.
Financial Literacy Questioner
Do you know the underlying theme for Of Mice and Men?
Bo Hansen
The impossibility of the American dream.
Brian Preston
You know, this makes a solid Point I'm not.
Bo Hansen
You know what, all these other videos have been insane. This one. We do have a problem. I believe in our education system. A lot of people do not have the basic fundamental financial skills when they graduate, when they come out. And yet there are a lot of things that we do know, like the powerhouse of a cell, the mitochondrion.
Brian Preston
We were talking about this the other day. Do you think the system is rigged against people?
Bo Hansen
Do we think that people. The system wants people to stay uneducated because it's more profitable for that to be the case.
Day 60 Trader
Day 60 out of 60 of making 10k in 60 days. So the 60 days have now finished and my final total is negative $8,380. So. And that's from January 1st. So not exactly 60 days, about four months. That's 2.7k lost in trading and about five. And how much time lost in E Comm. But I also spent 5k on courses. So without the course fees in total I only lost about 3.4. But yeah, I did not make 10k in 60 days. So now we're gonna continue and see how long it takes me to make. Oh goodness.
Brian Preston
I would love to know what the S and P did during the same month. Now look, it's. It's three, it's two months.
Bo Hansen
Sure.
Brian Preston
So I'm not. My expectations wouldn't be very high. It actually could even be.
Bo Hansen
Well, and he said starting in January, so first quarter the actual market was down. But I think it's interesting, a lot of people want to tell you the system, oh, here's how you can beat the system, make all this money and it just doesn't work that way. If something sounds too good to be true, if there's some automatic money to be made based on some trading strategy, some option strategy, some E commerce platform that you're going to subscribe to, that's just not the way that wealth is built. And I actually love that this, I mean I feel bad for this guy, but I love that he made this video saying, oh, you know what? I did what the Internet told me and man, it didn't work out. But what I am nervous about is now he said, I'm not going to cut.
Brian Preston
Just go work a little harder.
Bo Hansen
Let me just see how long I can keep doing this.
Brian Preston
Oh yeah, you know what? Put the shovel down. Sometimes it's better to just quit digging and try to change course. That's what, that's what I would do. Instead of trying to beat the market, let's be the market. Understand the power of index funds and also this concept of the law of accelerating returns, meaning that things are actually speeding up. Innovation is making it where you can make even more money. So don't try to waste your effort. Don't waste your resources and your money or your time. The most powerful of all three of these. I want you to focus on being the market by being when you need
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Carefree Spender
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Young Adult with No Savings
So, what is your combined household income? Between me and my wife, we make about $150,000 per year. Poverty line.
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What?
Young Adult with No Savings
Got it. And how much do you have in debt? We have about 90k in student loan debt.
Indeed Ad
Oof.
Young Adult with No Savings
Oh. Didn't have to react like that. Yeah, so it's just. That's just a lot of money. Um, okay. And your credit score? 700. Great. Okay, so good news. Looks like we're going to be able to approve you for a loan of $210,000. That's all? Are you serious? That's not really enough. We need, like, multiple bedrooms. I don't even think that amount of money would get us a bedroom. Yeah, we can look into alternative options. Might I suggest divorcing and finding a richer spouse? No, I'm not going to do that. All right, well, good luck renting the rest of your life, nerd. Okay, so how much income do you currently have? $0. I'm 17. Okay, how about liquefiable assets? $0. I'm 17. Okay, how about this? How much money do you think you'll probably make someday? Oh, I'd say a mil. A mil and a half per year? Easily. See, that's great. Okay, we'll just use that. What do you think you're going to do for a career? I don't know. I haven't thought that far ahead. Awesome. So I have some pretty good news. We are going to be able to approve you for a loan at $250,000. Yes, baby. I am sure this will not financially ruin the next 20 years of my life.
Bo Hansen
It's so true. Oh, it's so true.
Brian Preston
Because he's talking about student loans.
Bo Hansen
Yeah, he's talking about the difference in how difficult is get a mortgage and to prove income and substantiate income in order to be able to buy a home versus how easy it has been for the last 20, 25 years for students at a young age, 17, 18, 19 years old, to rack up tens, if not hundreds of thousands of debt. That I would argue is unjustifiable debt. They're spot on. It's a problem.
Brian Preston
I feel like next time I go on Netflix under the thriller category, we ought to have that, because you see the twist there. I was like, wow, that is brilliant. What a great teachable concept. And it's true. Look, y' all know education. If you read any of the content that Bo and I create, if you read my book Millionaire Mission, you know that I think that education is noble. Yet somehow all that goodwill has been squandered by a lot of these institutions and the banks to really just put people and take the goodwill of what education can do for you and just make it where now all it is is a trap in a lot of ways. Bo, how many people care when they see your diploma? How many years you spent at that?
Bo Hansen
It does not say. It does not say how many years you say. It only says how long you spent the last semester. So so long as your diploma is from that school, doesn't matter if you did community college, doesn't matter if you did joint enrollment, doesn't matter if you did ap. It just matters where you finish. So you could. You should consider that in your equation.
Brian Preston
Don't let the colleges sell you a product that's not going to actually have a return on investment. Be an active education student. You're not an education student. Be an active student. Who knows how your education is going to pay it forward.
Bo Hansen
Now, I have a question. You said there was a twist. Did you not see at the very beginning it said the difference in getting a mortgage versus getting student loans? It kind of led with that.
Brian Preston
Oh, did it lead?
Bo Hansen
It was the very start. It was the very first thing. So you really were Surprised when. Because I was like, you're like. I was like, yeah, it's.
Brian Preston
It said, you know what? My elementary teachers are right now watching this go. There it is. There's that. That reading comprehension that I told. I put on his report card back in the third grade. Watch. That reading comprehension. I fell right into the trap. He foreshadowed your 20s.
Financial Life Stages Speaker
S. You may not generate a ton of wealth in your 20s, but that is when you need to be taking the biggest risk, taking the most shots. You have nothing to lose in your.
Brian Preston
Okay, I don't disagree.
Financial Life Stages Speaker
B. You can really start to generate wealth in your 30s, but if you slacked off in your 20s, it's going to be very difficult. Your 30s are reliant on your 20s, your 40s, a. You have a lot of knowledge and relationships and experience and your 40s are the beginning of your highest income potential years. Your 50. Hey, just like your 40s, your 50s are also your prime earning years. But in your 50s, you're not yet to the age where you have to really start thinking about taking your chips off the table. Your 60s D. You do not want to be building wealth in your 60s. You want to be preserving and growing the wealth that you built earlier in your life.
Bo Hansen
Here's the only thing I think I don't know what S stands for. I got like abcdef. I want to know what S stands for, but I'm assuming it's the best, right? So superior. If that's what that means, then I would argue that 20s is. Is that.
Brian Preston
But super Califragilistic. XP, alidocious. You just. I'm trying to give you choices on what S could be.
Bo Hansen
I think that's what it is. And I would argue that in your 20s, it's not about taking the biggest risks and being the most aggressive. Although if you're going to do that's a great time, I would say your 20s is most important to just start doing something because if you don't take a big risk, if you don't do something crazy, if you can just start saving a little bit in your 20s, I would argue that is even more important than trying to catch fire in your 30s, 40s, or 50s. So I think that's the way he laid it out, but I'm not exactly sure because of the super califragilistic category.
Brian Preston
See, but man, man, oh man. And by the way, I get that excited about people in their 20s because you said it. If you just do something, you don't have to swing for the fences. If you just start buying index funds in your 20s, man, oh, man, is your future self going to be just sloppy happy.
Carefree Spender
To be in the top 50% in terms of retirement savings, you'd need to have $13,000 saved up. To be in the top 25%, you'd need to have 122,000 in that nest egg. And to be in the top 10%, $460,000 in retirement savings. And to be in the top 1%, if we're really reaching for the stars, you'd need to have a total nest egg of $2,290,000. Now, if you've been investing, but you're still nowhere near those numbers, you don't worry, don't freak out. It takes time for compound growth to do its thing. You don't need to invest $2 million to have 2 million. You just need time to let compound growth work its magic.
Brian Preston
So that wasn't insane.
Bo Hansen
Well, and here's what I think is interesting.
Brian Preston
It's insane on how much growth it creates.
Bo Hansen
Well, all the numbers were right, you know, to be in the top 50%, 25%, 10%, 1%. But does it matter if you are in any of those percentages?
Google Chrome Ad
No.
Bo Hansen
What matters for you is how much do you need to be able to live the life that you want to live on your terms, the way you want to live it? That number for you may put you in the 1% of net worth, or you may be someone who has that 500,000, 600,000, you're not in the top 1%. But because of the lifestyle that you want to leave and the live and the resources that you have and the sources of income you have, that might be enough for you. So be careful just chasing the scoreboard or leaderboard, because that may not be what matters for your financial situation.
Brian Preston
Guys, don't sleep on the fact that your money can work harder than you can with your back, your brain, and your hands. But you got to do something and make it take action.
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I can't write off a private chef, but if I invite somebody over every single night to have business meetings with me, and I hire a private chef to cook the meal right off the private chef and the food that went into making the meal, this is how I'm able to afford having that private chef every single year, every single month, every single day inside of my house, making me and my wife meals, along with my friends, family members, and my business clients, who also some of my family members sit on my board of directors.
Brian Preston
Oh, man. You know, we we have covered this before. Look, niece, you need to be more deductible. Pass that lettuce on over here so I can slap some ranch dressing on it. That's how. Hey, by the way, did you fund your Roth IRA there? Deductible? I made it happen. See? That's how it works. Hey, Uncle, Uncle. Hey, what do you think you ought to be doing with your next dollar? All right, now pass those potatoes over here that made that deductible deductible. All right, Wife, Wife. What are we gonna do here? How about. How about. How about cut that roast? Cut that roast. Okay. Hey, what are you doing to make sure. What do you know about an employee stock purchase plan? All right, you answered that. Okay, good. You're deductible, too. Let's keep it rolling.
Bo Hansen
Everything is deductible until you get caught.
Brian Preston
That's right.
Bo Hansen
And I would argue Carlton has taken some aggressive stances here. Liberty, I just don't know that having your friends and your family and your spouse and in your home with a private chef, I would have a hard time if I were sitting across from IRS agent explaining to the IRS agent that this is legitimate business meetings. These are legitimate business purposes, and these should legitimately be deductible. I think if you are going to try to take this advice and make it your own and implement this in your life, you better be ready and prepared to defend that to the irs. And I don't know that you want
Brian Preston
to do that if you've ever represented clients before the irs. It is scary. I have literally seen grown men cry because they were too cheap to. To. To pay me to represent them. And that's what I'm telling you. Be careful what you think you can get away with, because the irs, they have the guns. They can take your stuff. You need to be on stable ground when you take deductions. Look, there's nothing wrong. Our government highly encourages you to maximize your deductions, but they don't want you to crook it out. You know, look at how. How did they get Al Capone? They. They found him crooking out on his taxes. So don't be Al Capone.
Bo Hansen
We believe that there is a better way to do money. You don't have to follow this insane advice. You don't have to carry out these crazy strategies. If you can understand the three ingredients of wealth creation. Discipline, margin, or money and time, and you can put those to work, then you can build a great big, beautiful tomorrow.
Brian Preston
As I've already shared, there is a better way to do money and we are loading people up with what we call the abundance cycle. Go check it out yourself. Moneyguy.com/resources we give you all the love in the world with all the tools you need, all the calculators, and then when you reach success, you'll remember who planted that little apple seed that has turned into the huge tree that's generating so much fruit that you're living your best life. I'm your host, Brian joined by Mr. Bo Money Guy team.
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Date: June 15, 2026
Hosts: Brian Preston & Bo Hanson
In this episode, Brian and Bo react to a series of viral “insane money clips” circulating online, each highlighting misconceptions, questionable advice, and real-life money missteps. With their trademark wit and practical approach, they break down each scenario to reinforce sound wealth-building strategies and debunk common myths, all while keeping the tone lively and engaging.
Clip context: A 27-year-old claims no savings but views money as just an idea, prioritizing living as “a member of nature and the universe.”
Clip context: A self-proclaimed big spender says saving is for “broke people” and claims it’s always about earning, not spending; claims adopting this mindset “10x’d my income.”
Clip context: A tongue-in-cheek “hack” suggesting you could melt pennies for copper and scale into millions (before presumably ending up in jail).
Clip context: Several young adults unable to explain basics like a 401(k), mailing a check, or mortgages, but knowing trivial or unrelated facts.
Clip context: A trader tries to make $10k in 60 days; ends instead with a net loss ($8,380), much from trading and some from expensive courses.
Clip context: Skit exposes how difficult it is for a working adult to get a mortgage, but ridiculously easy for a teenager with no job to get a six-figure student loan.
Clip context: Advice for each decade of financial life, from risk-taking in your 20s, compounding in your 30s, peak earning in your 40s/50s, to preservation in your 60s.
Clip context: Outlines dollar amounts for top 50%, 25%, 10%, and 1% of retirement savers and stresses patience for compounding.
Clip context: Viral advice suggests hiring a private chef and writing it all off as business meals by inviting “business partners” (really friends/family).
Brian and Bo skillfully use viral clips to illustrate financial pitfalls and debunk myths, always steering listeners back to practical, proven strategies. They advocate for early action, realistic expectations, caution against shortcuts, and remind listeners that true wealth comes from discipline, saving, and making your money do the heavy lifting over time.