Financial Advisors React to Jaw Dropping Money Clips

Summary

Money Guy Show – “Financial Advisors React to Jaw-Dropping Money Clips”

Hosts: Brian Preston & Bo Hanson
Date: July 13, 2026

Episode Overview

In this dynamic episode, Brian and Bo react in real-time to viral money clips found online—ranging from meme-worthy investing moves to hot personal finance takes. They break down the most jaw-dropping and sometimes outlandish financial scenarios, then debunk myths or confirm smart strategies, all while giving practical advice rooted in their “Financial Order of Operations.” Expect robust debates, quick-witted responses, and actionable insights for listeners looking to boost their confidence with wealth-building tactics.

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Key Discussion Points & Insights

1. The Wild Ride of Meme Coins

• Viral Clip: Investor claims a $1,300 bet on “Peanut” coin could have been worth $42 million after a Binance listing ([00:01]).
• Bo: “Hindsight is always 20/20 investing. I don't know that this guy specifically would have watched his Peanut holding run all the way up to $42 million.” ([00:29])
• Financial Advisor: Critiques the gambler’s approach—“I actually expect my money to work for me. I'm not hoping to get lucky… I'm leaning more towards the good and consistent than I am to just being lucky.” ([00:37])
• Key Takeaway: Reliable, systematic investing trumps gambling on volatile “poop coins.” Lady Luck is no substitute for strategic discipline.

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2. S&P 500 vs. Real Estate vs. Franchises vs. Startups

• Scenario: What’s the best way to invest $1 million? Panelists debate S&P 500, real estate, franchises, and startups ([01:01]–[01:38]).
• Real Estate Expert: Prefers S&P over franchises/startups but picks proven businesses or multifamily real estate for control and dual asset benefits.
• Bo: Highlights “those were not exactly apples to apples comparisons throughout that entire flowchart… if you want to go invest in like multifamily real estate and you have a million dollars… there’s likely you’re going to have a whole lot of debt. Whereas if you take that million and you put it in the S&P 500, you don’t have any debt.” ([01:55])
• Financial Advisor: “Life is not like that. For the majority of people… the S and P is going to be your friend. Everybody loves to do the math of what levered debt will do for you… The problem is when you’re using other people’s money to pay that debt, and then they quit paying you… levered debt can get really expensive really quick.” ([02:19])
• Actionable Advice: For most, S&P 500 offers stress-free growth without leverage risk.

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3. The Cost of Family Vacations (Disney Edition)

• Shocking Stat: 50% of parents go into debt for Disney; average trip cost is $6,000 ([02:59]).
• Brian: Warns against financing vacations. “By going into debt, you're putting your family at a huge financial risk. Save up in cash... travel hack to reduce costs.” ([02:59])
• Bo: “That one trip that you thought only cost you six, very likely could cost you seven, eight, nine thousand dollars by the time you get it paid off.” ([03:43])
• Financial Advisor: Stresses value of preparation and timing to reduce costs—avoid peak times and luxury add-ons ([04:05]).
• Core Message: Cherished memories shouldn't come at the cost of future financial stress.

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4. Delivery App Fees: The Hidden Money Drain

• Coffee Enthusiast Clip: Outlines how a $4.99 coffee becomes $19.13 after service fees, delivery, tips, and “priority fee” ([04:24]–[05:52]).
• Financial Advisor: Shares data—up to 67% of surveyed millionaires don’t use services like DoorDash or Uber Eats ([05:52]).
• Bo: “If you’re going to make bad decisions, which in our opinion… Ubereats and that’s bad decisions. At least make bad decisions rationally.” ([06:49])
• Financial Advisor: “It feels disconnected… a lot of hands in the kitchen for a simple product that's already… an excess of life.” ([06:49])
• Reality Check: Convenience comes at a massive premium.

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5. When Should You Move Out?

• Housing Expert Checklist (4/4 Test): ([07:16])
  1. Rent <35% of take-home pay.
  2. Emergency fund (3+ months).
  3. Keep saving for retirement.
  4. No high-interest debt.
• Bo: Offers a tweak—“Instead of doing 35% of your net pay, do 25% of your gross pay. So that way you really know… where you are, threshold wise.” ([08:14])
• Financial Advisor: Adds personal context—living at home a few extra months enabled buying that “purple leather recliner” with cash ([08:46]–[09:20]).
• Theme: Delay gratification—secure your foundation before solo living.

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6. Are Collectibles Better Investments Than Stocks?

• Collectibles Analyst: Asserts Pokemon cards, sports cards hugely outperform S&P 500 over 20 years ([09:27]).
• Bo: Rebukes faulty comparison—“what he did is… taking the average across Pokemon cards… but he's comparing that to a basket of goods in the S&P 500… if you were to just go buy right now a pack of Pokemon cards… I don't know that I believe you will have gotten so lucky that one of the cards in your pack was so valuable that you recognize a 3,000% rate of return in that. However, if you go buy the S&P 500, you will own the 500 largest companies…” ([10:29]–[11:48])
• Financial Advisor: “Very well, you could have flipped the script… picked Nvidia or Tesla… and it would have completely crushed what happened to Pokemon.” ([11:48])
• Takeaway: Survivorship bias and selective stats can mislead. Broad-based index funds are far more reliable than speculative collectibles.

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7. The Credit Score Comedy

• Credit Panel Skit: Satirical exchange pokes fun at the pursuit of perfect credit scores, suggesting it’s akin to groveling before lenders ([12:01]–[13:12]).
• Bo: Adjusts the narrative—“Having really high credit score suggests I am responsible and understand how to use money as a tool and use it well to my benefit. I do not think I would propagate the information these guys are.” ([13:14])
• Financial Advisor: Emphasizes practical impact—good credit helps beyond loans (utilities, insurance rates, deposits). “Just pay your bills and pay off your debt exactly like we share… you'll be in the high sevens 800 range without even trying.” ([13:49])
• Moral: Don't undervalue credit scores—or the benefits they quietly unlock.

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Notable Quotes & Memorable Moments

• Bo, on meme coins:
  “I don't know that this guy specifically would have watched his Peanut holding run all the way up to $42 million.” ([00:29])

• Financial Advisor, on get-rich-quick:
  “I actually expect my money to work for me... I'm leaning more towards the good and consistent.” ([00:37])

• Bo, on lifestyle traps:
  “At least make bad decisions rationally. Ordering an iced coffee as an Ubereats or it is going to be melted… not going to be cold anymore.” ([06:49])

• Bo, on collectibles:
  “There are lies. There's darn lies… And then there are statistics and numbers and how you can manipulate them.” ([10:29])

• Financial Advisor, on credit scores:
  “Just respect the obligations you've set. Don't borrow outside of what your wallet or your purse can afford and you'll be a. Okay.” ([13:49])

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Timestamps for Important Segments

• [00:01] – Peanut coin meme investing gone wild
• [01:01] – $1 million investment: S&P 500 vs. others
• [02:59] – Going into debt for Disney
• [04:24] – The true cost of delivered coffee
• [07:16] – Ready to move out? 4-part test
• [09:27] – Collectibles vs. S&P 500 returns
• [12:01] – Comedy: the value of “weird” credit scores

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Final Thoughts

Brian and Bo combine humor and expertise, dissecting viral financial “advice” to distill what actually works for building wealth. They consistently champion smart, evidence-based strategies over fads, offering listeners a framework to avoid hype and make confident, informed decisions… all with a dash of lightheartedness.

If you want to get better with your money, stick to the discipline, ignore the noise, and don’t be dazzled by wild one-off stories.

Transcript

[Brian]

Drop.

[Bo]

Let's dive right in.

[Peanut Investor]

I put I think $1300 into a coin called Peanut. So do you know when they killed that squirrel? I don't know if you saw that.

[Coffee Enthusiast]

Yes, yes.

[Peanut Investor]

Peanut, the squirrel. So I'm like, this makes sense. This might go up. And I sold it, like for a loss. I put a 1300 bucks in. I sold it for $600. Week later, Binance added that coin as a tradable asset. It went from $50 million market cap to 2 billion. And I just posted this on Twitter today. My Peanut holdings right now would be worth $42 million.

[Bo]

Hindsight is always 2020 investing. I don't know that this guy specifically would have watched his Peanut holding run all the way up to $42 million.

[Financial Advisor]

Does that count as one of those poop coins? I think the word you're searching for is I actually expect my money to. To work for me. I'm not hoping to get lucky. I, you know, so I think some people go with that saying, it's better to be lucky than to be good. I'm leaning more towards the good and consistent than I am to just being lucky and hoping that. That lady Luck smiles on me.

[Coffee Enthusiast]

I love that.

[Bo]

Hey now. I don't know if they're gonna leave this in there, but I'm just gonna throw it out there.

[Investment Strategist]

How would you invest $1 million? Would you put it all into the S&P 500 or would you use it as a down payment on a property?

[Financial Advisor]

Depends on where you are.

[Real Estate Expert]

S&P 500.

[Investment Strategist]

S&P 500 or buying into a franchise.

[Real Estate Expert]

S&P 500.

[Investment Strategist]

S &P 500 or buying a business that already makes money.

[Real Estate Expert]

Buying a business that already makes money.

[Bo]

Depends on how much money it makes.

[Investment Strategist]

Or investing it across 20 startups.

[Real Estate Expert]

Buying a business. Because when you have one business and you're investing in it, you actually control all the risk in it and you can actually operate that business.

[Investment Strategist]

Buying a business or Bitcoin.

[Real Estate Expert]

Buying a business.

[Investment Strategist]

Buying a business or multifamily. Real estate.

[Real Estate Expert]

Multifamily, for one important reason. Because when you buy single family real estate, you're buying real estate, but when you're buying multifamily, you're actually getting two things. You're getting the real estate and you're getting a business that works together. So in this case, you're not only getting a business, but you're also getting real estate. So it's a two for one, you

[Bo]

know, I don't disagree with a ton of what he said, although some of Those are much easier to do than others. He said, you know, okay, if you had a million dollars, how would you do this? A lot of times if you want to go invest in like multifamily real estate and you have a million dollars to operate with, there's likely you're going to have a whole lot of debt. Whereas if you take that million dollars and you put it in the S P500, you don't have any debt. So those were not exactly apples to apples comparisons throughout that entire flowchart.

[Financial Advisor]

Well, good on him he gave because those were binary answers. You know, this or that. I'm here to tell you, life is not like that. For the majority of people out there who are not in the step eight of financial order of operations, the S and P is going to be your friend. Everybody loves to do the math of what levered debt will do for you because exponentially your money can grow. You put down a small amount of money and then because it's all leveraged up, you're going to make, you know, 10, 20% because of the levered debt. The problem is when you're using other people's money to pay that debt and then they quit paying you the rent, all of a sudden you find out that levered debt can get really expensive really quick.

[Brian]

Did you know that nearly 50% of parents go into debt to take their kids to Disney? The average parent spends $6,000 on their Disney trip. Things like flights, park tickets, food, hotels, all of these things are really expensive when you go to Disney. But by going into debt, you're putting your family at a huge financial risk. So instead of going into debt, save up in cash. But there are also really great ways that you can travel hack so that you can reduce those costs significantly. When?

[Financial Advisor]

Most important thing when you go on a family vacation is the time with the family. It's not the expense of the trip. It's actually how strong are the memories, how good are the things that you're doing as a family to build that, that deepness of the relationship. We just spent $6,000 of high interest

[Bo]

debt just for a little Roy W. Entertainment. The moose says you're closed. I say you're open spending $6,000 for a Disney trip. But you actually put that on a credit card and you're paying punitive interest rates on that. That one trip that you thought only cost you six, very likely could cost you seven, eight, nine thousand dollars by the time that you get it paid off.

[Financial Advisor]

And don't, don't skip out on the Ounce of preparation. The difference a week or two can make on when you go, because then maybe you don't have to buy all the. The premium stuff like the lightning Lanes and the other things. If you go when the crowd calendar is low, it's going to be cheaper, and more than likely there's going to be many more discounts that are going to lower that price for you.

[Coffee Enthusiast]

So if a large iced coffee is 4.99, you would pay $4.99 plus tax. No, you would pay 575 plus tax. You know, it's because the restaurants raised the menu prices to cover the fees, which means the total you would pay would be $6.15. No. Why would you think that's not enough? You don't see how. It's because you still need to add the 499 service fee, that's why. Which means the total you would pay would be $11.14. No. What do you think that's still not enough? You know, it's because you still need to pay the 399 delivery fee. You know it's because. That's why. Which means the total you would pay would be $15.13. No. Why would you need to add a tip?

[Financial Advisor]

That's the service fee.

[Coffee Enthusiast]

If you say that you tipped $4, then that means the total you would pay would be $19.13. $19.13 for what? A large iced coffee? No. Why would you think it's a large warm coffee? Why can't I get an iced coffee? It's because you didn't pay the $1.99 priority fee.

[Financial Advisor]

This is something in our millionaire survey this year was, do you use DoorDash or, you know, Uber Eats? And was it like 66% or 67%? Don't.

[Bo]

Don't use it at all.

[Financial Advisor]

Look, I'm. Part of that percentage is. Look, I get it if you get a gift card or you get some promotional thing, you might dabble in it. But I don't consider that really using it. That's kind of being a financial mutant for using a coupon or discount code. But this is my whole problem with this business concept. Sometimes we've seen people who've gone to, like, Chick Fil A and have turned a $10 value mill into something that's 25, 30 bucks. Or if you're feeding the family, you can turn a $40 meal into, you know, 60, 70 bucks. It feels disconnected. And that's what I. I actually don't use those services. And I loved how I Kind of presented that because it's, it's a lot of hands in the kitchen for a simple product that's already kind of an excess of life. And, and it, that's something you ought to really think about if you're going

[Bo]

to make bad decisions, which in our opinion, you know, Ubereats and that's bad decisions. At least make bad decisions rationally. Ordering an iced coffee as an Ubereats or it is going to be melted, it is going to be watered down, it's not going to be cold anymore. Same thing. If you're trying to like Uber eats or doordash ice cream, maybe that's not the wisest decision. So if you are going to spend a stupid amount of money way overpaying for something, at least make sure that you're doing that on something that somewhat makes sense to do.

[Housing Expert]

When can you financially move out to your own place? So whether you live at home or you have roommates, use this test. You need to get four out of four and if you do, you're ready to move out. Number one is that your rent should be less than 35% of your take home pay. So here's a table based on salaries and you can see that if you make around $100,000 per year, the monthly rent that you can afford is around 2327 per month. And that's based on your take home pay. You'll get a roommate so that you don't get stretched thin by renting a place that you can't comfortably afford. Number two, you have an emergency fund of at least three months. Because moving out is expensive. You need the first and last month's rent plus deposit on top of that. So you need to make sure you have a cushion so that if you do move out, you aren't cash PO in case an emergency happens. Number three, you're still contributing to retirement even by moving to a new place and paying that new rent. And number four is that you have no high interest rate, credit card debt or buy now pay later debts because those are wealth killers long term. So if you want to take on the burden of a new place with a higher rent, you want to make sure your debt is under control.

[Bo]

Well, Humphrey, I agree. Almost exclusive. The only thing I would change is you said that your housing cost should not exceed 35% of your net pay. Well, net pay can be so fluctuable, it can fluctuate so much depending on like your benefits and Depending on your 401k contributions depending on your cafeteria plan stuff. So that's why we like saying Instead of doing 35% of your net pay, do 25% of your gross pay. So that way you really know based on the income you have coming in where you are, threshold wise. But everything else, I agree fully.

[Financial Advisor]

I was going out of step five and six is step five, get roommates and all this happens to much faster.

[Bo]

Sure.

[Financial Advisor]

Step six was live at home for a month or two more. So you can afford that purple leather recliner or the, the subwoofer. These are the things that I went into my decision making when I graduated college. I think I went back, lived at home for two or three months for the sub. It was. They didn't. It wasn't a purple leather. But it was. But it was. It was definitely a chartreuse or it was. It was some purplish burgundy purple color. Ugly.

[Bo]

Dear God, what is that thing?

[Financial Advisor]

But man, oh man, was I proud of that leather recliner. And it was paid for because I stayed at home just a little bit longer.

[Collectibles Analyst]

Why is investing in Pokemon Cards seem to be what everyone is currently doing? It's because these little pieces of cardboard are currently crushing the stock market right now. If you look at the data over the past 20 years, the S&P 500 is currently up 421% which gives it a very respectable rate of return of 8.79 per year. However, compared to the world of collectibles, these are rookie numbers. Because if you look at baseball card. Baseball cards is currently up 716%. Basketball cards is currently up 1,170.

[Coffee Enthusiast]

What?

[Collectibles Analyst]

Basketball cards and football cards. This is American football is currently up 1,200 football cards which is a rate of return of 14.22% year over year. Where does Pokemon Cards land in all of this? Well, Pokemon Cards is currently up 3261%. Pokemon cards is currently on a league of its own. That is a 20 year average rate of return of 21.542% year over year. This is 2 and a half times better than the S&P 500. Will Pokemon cards continue to outpace the stock market or was this just a 20 year fluke?

[Financial Advisor]

This is just a lot of people running to where the attention is now.

[Bo]

See, I'm frustrated because this was a math crime. There are lies. There's darn lies.

[Financial Advisor]

Cuss words is illegal.

[Bo]

And then there are statistics and numbers and how you can manipulate them. And that's exactly what happened right here. Because here what he did is he is taking. I don't know how he's coming up with the average across all American football cards, the average across all American baseball basket, basketball cards or baseball cards. But he's comparing that to a basket of goods in the S&P 500. If you were to go pick any of the individual stocks in the S P500, if you want to go look at Amazon over the last 20 years, Nvidia over the last 20 years, Tesla over the last 20 years, fill the blank on the company you want to choose. There's a really good chance that those companies likely would smoke the numbers here. But it's not comparing apples to apples. Because if you were to just go buy right now a pack of Pokemon cards, whatever that is, $10 pack, and you were to hold that singular $10 pack for the next 20 years, I don't know that I believe you will have gotten so lucky that one of the cards in your pack was so valuable that you recognize a 3,000% rate of return in that. However, if you go buy the S&P 500, you will own the 500 largest companies, best performing companies, best largest in market capitalization companies in this country. It's not opening a pack of stocks and hoping you get lucky with one of the stocks.

[Financial Advisor]

I think you are making a solid point because very well, you could have flipped the script on this. Instead of, instead of the S&P 500, you could have done Nvidia or Tesla or any of the high flyers and it would have completely crushed what happened to Pokemon.

[Credit Score Skeptic]

How high can your credit score be before it gets kind of weird, you know, building a credit score, you're trying to build trust from another man so he can give you money.

[Credit Score Advisor]

Yes.

[Credit Score Skeptic]

Oh, I got a high. I got a high score. You trust me, give me a loan.

[Credit Score Advisor]

I think you stay mids. Mids. You don't go all the way to seven. I think you just stay around the 650s. 610 max.

[Credit Score Skeptic]

Yeah, max. Cause like at that point, bro, you're begging for a grown man to approve you.

[Credit Score Advisor]

Yeah.

[Credit Score Skeptic]

Oh, I got this loan. Thank you, sir. Oh, you trust me that much?

[Credit Score Advisor]

And you're repetitively going back cuz he gonna continue. So he really want chasing through.

[Credit Score Skeptic]

And you want a better interest rate. Like come on, bro, why you want

[Financial Advisor]

another man interest the guy in the bottom, right? What's his role?

[Credit Score Advisor]

I never understood that.

[Credit Score Skeptic]

That's what I'm saying.

[Credit Score Advisor]

Never understood that. I never quite sat well with me.

[Credit Score Rebel]

No, it's, it's egregious. But building your credit score lets you know that every time the bank said give me your money, you did it, you know, you, you bent over for the bank.

[Credit Score Skeptic]

Stand your ground.

[Credit Score Rebel]

I have a double digit credit score and that lets everyone know. It's like that man takes what he wants and he don't give it back.

[Credit Score Skeptic]

Yeah, I paid nobody back.

[Coffee Enthusiast]

I haven't been able to buy a

[Credit Score Rebel]

car, a house, an apartment in years. But you know, stand on my principles.

[Credit Score Skeptic]

Ten toes.

[Credit Score Rebel]

Ten toes.

[Financial Advisor]

Oh, that's good stuff.

[Bo]

Yeah, that's hilarious. That'll work. That'll work. Once you can do that. Once you can, you can ask for some money and take it and say, hey, I'm not giving you this money back, but you won't get it the second time or the third time or the fourth time. Obviously that's hilarious. And what people don't realize is a lot of people want to suggest that, that having a really high credit score is like an I love debt score. That is not the case. Having really high credit score suggests I am responsible and understand how to use money as a tool and use it well to my benefit. I do not think I would propagate the information these guys are.

[Financial Advisor]

It's also, by the way, it's not just for borrowing money anymore. It's also, hey, are you have to make a deposit when you set up your utilities or is your property and casualty insurance going to be at the preferred rate because you seem like less of a risk? There's a lot of things that now go into credit score and I'm here to tell you if you just pay your bills and pay off your debt exactly like we share in the financial order of operations, you're going to be in the high sevens 800 range without even trying. It just happens naturally. So just respect the obligations you've set. Don't borrow outside of what your wallet or your purse can afford and you'll be a. Okay.

[Bo]

There is a better way to do money. If you want to know how to do money better, you can go to moneyguy.com resources check out all of our resources, all of our archives, all of our our tools out there to help you make better financial decisions.

[Financial Advisor]

I think we chewed through the jaw dropping videos, Bo. I'm your host, Brian Joybo. Mr. Bo Money Guy out.