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Eric
I oh, let's go.
Travis
I oh, let's go. You're listening to the Travis Makes Money podcast presented by gohighlevel.com for a free 30 day trial of the best all in one digital marketing software tool on the planet, just go to gohighlevel.com travis. What's going on, everybody? Welcome back to the Travis Makes Money podcast, where it's a mission to help you make more money on this episode of the show. My producer Eric is here in studio. What's up, man?
Producer Eric
Oh, my back hurts.
Travis
Yeah. Why is that?
Producer Eric
Always does.
Travis
You're just in your 30s now.
Producer Eric
No, my back always. No, I, I. It hurts all the time.
Travis
Such a boomer.
Producer Eric
I don't know why. I don't know if it's from. Because I used to, like, carry so much luggage around for filming or what or I don't know. But I just like this chair right now is killing me.
Travis
That's the good chair. I know, but it's also got ergonomic.
Producer Eric
I love that. You're good chair for me. Has a hole in it in the bottom. My thigh is slipping through.
Travis
It's a great chair.
Producer Eric
Anyway. All right, well, you mentioned our last episode, something we talked about in an episode before that. And you were talking about Kevin o'. Leary.
Travis
Oh, yeah.
Producer Eric
He was talking about don't go get lunch for $30. He's making $70,000 a year.
Travis
Those are good impressions.
Producer Eric
Kevin always talks. But Caleb Hammer was on Joe Rogan, which we also talked about recently. And wouldn't you know it, Worlds collide. Caleb Hammer talked about Kevin o' Leary talking about Gen Z. We're in the middle on Joe Rogan and we talked about that.
Travis
We're in the middle of pod ception right now.
Producer Eric
Pod ception. Does that mean the podcast can't get pregnant?
Travis
A reaction to a reaction to a reaction.
Producer Eric
Pod ception.
Travis
Yeah, like Inception. Getting pregnant like the movie.
Producer Eric
I was making a joke.
Travis
I know. It was a bad joke.
Producer Eric
Conception.
Travis
That's why I just moved past it.
Producer Eric
Conception with professionalism. All right, well, here we go. Here's what Caleb Hammer of the popular podcast Hammer Hour. What is his podcast called?
Travis
The Caleb Hammer Show. I don't know.
Producer Eric
I don't know. But Anyway, here's his take on Kevin o'. Leary. Okay, you hear that?
Travis
This is really good so far.
Producer Eric
Hold on.
Eric
Actually, that was another thing that triggered the Internet. I kind of agreed with Kevin o' Leary when it said, oh, young people are broke because they spend 28 hours going out to eat.
Producer Eric
Is that better than mine?
Travis
I thought it was a little bit better than yours. Yeah, there's a little high pitch.
Producer Eric
His is always like, young people are always doing this. He always says it like very like Kevin o'.
Travis
Leary.
Producer Eric
Can you believe it? It's very like young people are spending. That's Jerry Sample.
Travis
Yeah, I was going to say, I feel like he.
Producer Eric
What's the deal with Gen Z?
Travis
He actually keeps it really low, like in low. Like a lower register. Just kind of. It's always like a fact.
Producer Eric
It's always like a fanny.
Travis
Like, I don't believe it. Don't do that.
Producer Eric
That's not it. I can't do that. Sounds like a dejected Trump.
Travis
Do that.
Producer Eric
Don't do that. That was the Godfather. Okay, this is Caleb.
Eric
Well, actually, that was another thing that triggered the Internet. I kind of agreed with Kevin o' Leary when it said, oh, young people are broke because they spent 28 hours going out to eat. Well, it's not that specific, but it's the death of a small of a thousand cuts. And yes, just $28 three times a week becomes an actual halfway decent retirement fund.
Producer Eric
What is that? $28 three times a week. Do the math. Quick read math.
Travis
90 bucks and it's 84.
Producer Eric
28 times three is 84. And then what is that times four?
Travis
Three. 32.
Producer Eric
No, you fool. 336. 84 times four. What's four times four? 16. I know that.
Travis
Good job.
Eric
You put it in the s and P500 for a few times a week. That does put off future goals that you have. And the Internet went crazy against me. They hated me for suggesting that. That they shouldn't be able to. They're like, well, how do we eat groceries? Meal prep, meal plan. This is what everyone's done since forever.
Travis
Yeah, that was the part of his take that I agreed with that. It's like, why, why is it just now that people feel like they should just be able to eat out for every meal? Like, that's just. That's literally never been done. That's not something.
Producer Eric
It's always been Sunday afternoon.
Travis
Yeah.
Producer Eric
Like it's our eating out day growing up.
Sports Commentator
Yeah.
Travis
Eating out was like an occasion. It was like a thing. It was a special event to go eat out. You know what I mean? Now it's, it's just like, you think that that's just something that you get to do. I. I just don't. I don't know where that came from. But, yeah, grocery shopping and making meals and meal planning and meal prepp the MO for quite some time.
Eric
Best period ever for humans. Best period ever. Our jobs are better. Everything's better. Even when you think of, like, buying the starter home in the 50s and whatever, you know, they were like the size of this room that we're in right now, mass produced. Okay, that's still a home. That's great you could buy. But you were going to a job that you hated, that you were sweating, that had no AC where you're working with your hands all day, and it was miserable. They didn't like the jobs, they liked that they had a good paying job. But now people go to the office and they think they're a victim for not being able to meal prep before going to the office. The A C office. Like, it's hard for me to sympathize with that. Especially when I film three of them a week. All 100% real people, mostly Gen Z and millennials, who are absolute victims in everything. They are victims in everything. They think if they don't get a 2027 brand new car instead of a 2025 car that they're gonna die. That all of a sudden, cars two years ago were the most dangerous things. They have to get a seat of 70,000, do car loan at a 20% interest rate or else their kids will die.
Sponsor Voice
You've actually had that conversation.
Producer Eric
What's your podcast about again?
Travis
You talk to people. So anyway. Aliens. Yeah, anyway, but that, that, that was more. My broader agreement with the sentiment was just like, we don't need, we don't need any more, like, victimhood injected into culture. And like, what are you saying right there? I agree with a lot of that.
Producer Eric
That new campaign slogan, get the victimhood out of the neighborhood.
Travis
Okay. Travis Chapel, Mayor, I'm not running for any offices.
Producer Eric
That would be really fun.
Travis
360 would not be really fun. I disagree. I think it'd be a nightmare if you had to run for political office.
Producer Eric
Hold on really quick. If you had to run for office, what would you run for?
Travis
That's a wild.
Producer Eric
Like, would you want to be. Would you want to be like a super low level, like, I'm on the city council, or would you want to be like, I'm the mayor of Las Vegas?
Travis
No, I Wouldn't want to do anything local.
Producer Eric
You'd want to do. Oh, okay.
Travis
So you want to go big congressman or something?
Producer Eric
Okay. Do you think you could do it? If you put your heart to it. Do you think you could become a congressman in the next three years? I challenge you to do it.
Travis
No, no, no, no. Five years, maybe ten.
Producer Eric
Ten years?
Eric
Yeah.
Producer Eric
I challenge you in ten years to become a congressman.
Travis
I don't want to at all.
Producer Eric
Okay.
Travis
But I think. But I feel like. Anyway, back to pass to it, you know, if you really wanted to do it.
Producer Eric
Back to what you're saying.
Travis
I don't even remember what I was saying now, but.
Producer Eric
Okay, we'll pivot. So to become a congressman, you gotta go to this island. Okay. You gotta get in really good with these upper echelon of people, and then you get to get a lot of dirt on you. And then basically, you will do whatever they tell you to do or also release the dirt. And then you can be in the highest position of power, which is why
Travis
I would never, ever do anything.
Producer Eric
Or that's the only reason you wouldn't go to the island.
Travis
Somebody's gonna play this clip when I run for Congress one day. Or he said he would never do it.
Producer Eric
You could be just 100,000 years old, and then you automatically get grandfathered in, literally, to Congress. Okay, that's what I read.
Travis
Okay.
Producer Eric
Anyway, you were saying about Caleb Hammer or something.
Travis
Yeah, I was saying something about Regalis. Oh, oh, the. The victimhood thing. That. That was the big thing that I felt that I agreed with with Caleb and Kevin o' Leary's take on this for. Was just that if. If you. If that is the type of person that you are, like what he was saying, it's death by a thousand cuts. That's. That one thing is not the thing that's going to, you know, prevent you from getting ahead. Yeah. But if you are the type of person who constantly thinks that you deserve this type of a life for no reason other than the fact that you went to college and have a job, then you're probably also the type of person who's making multiple financial blunders across your entire monthly budget, which does 100% affect your ability to have a good financial future. And it's. Again, it's not like you have to fast for lunch every day or never ever eat out. It's just be smarter about it. Put like, that's. That's the whole idea of a budget. Like, there's no way your budget can afford $30 for lunch. Five days a week. Like you can't if you're, if you're not making much money. Like it just, it doesn't work in the budget, doesn't work in the numbers. You prioritize your living expenses, maybe, maybe you have a car payment, hopefully you don't. But let's say you do. Like you have your health insurance and you have, you know, the things that are the essentials. And then you have eating out, which is not an essential. Groceries are an essential, but eating out is not an essential. Like going to a restaurant is not an essential. You don't have to do that to be able to have sustenance and nutrition on a daily basis. So yeah, the weird entitlement of the, like all past generations had it so much better than we have it. And like that, that's the sentiment that gets old to me after a while because it's like that's just objectively false. We have such a great life and we have so many opportunities at our fingertips and knowledge is ubiquit and we have so many things that we could look at and choose to be grateful for. Yet the MO seems to be let's look at all the things that are terrible and complain about them instead of looking at the things that are great and being thankful for them.
Sponsor Voice
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Sports Commentator
and we're live on Matchday as Doug reaches for a buffalo wing. He's got it. Oh, and he's gone for a can of Pepsi too. What a finish. There's no doubt about it. It just tastes better. Match Days deserve Pepsi.
Producer Eric
I sent you a post. Or I, maybe I didn't. I was gonna send you a post and it was a picture. It was like me. It was a guy standing in his house with his hands in his pockets and he was like me staying inside because if I leave my house I have to spend $200. And I was gonna say like, the one thing is, what was the other clip we watched where somebody said the biggest corporations on the planet right now are just working on spending all their time and money to get you to click on more things or buy more things. But I think that's the biggest thing now is it does feel like when you go out, everything is calling for you to spend money, do things. It's like, even when you go, it's difficult. Even when you go, Like I gave on another episode, the movie theater example. It's like, we're gonna put in a photo booth. We're gonna do this. And it's like, if you do all of those distractions, then you're going to go, where's my money at the end of the month?
Travis
Well, that was a $200 movie.
Producer Eric
Yeah. Or if you go out to dinner and it's like, oh, would you like this? You go out to a comedy club and, like, would you like the souvenir cup? Yes, I would.
Travis
And I would also leave it at the bar.
Producer Eric
I can't believe that we should do, like, some kind of, like, segment or something to get Brad to see it, to see that I left my cup. And then, like, and then I'll come on the podcast and be like, here, I brought you a cup.
Travis
That seems like way more work than just going back to the comedy club, getting a collector's cup again.
Producer Eric
But I have to buy another.
Travis
It came with the drink.
Producer Eric
I know.
Travis
That was the whole. That was the whole reason.
Producer Eric
See what he wants me to do. You want me to go out and spend money on drinks and his show. Fair enough. Fair enough there, partner.
Travis
Yeah, that is true. But I mean, but I. Prosperity is difficult. I hate to break it to you, you know what I mean? Like, you're.
Producer Eric
That could be your difficult. That can be your second campaign.
Travis
Yeah.
Producer Eric
Hey, guys. Sorry things are so difficult. Hope you enjoy prosperity.
Travis
Yeah. Like, having a financially prosperous life requires some version of sacrifice.
Producer Eric
Whether it sucks, dude.
Travis
Whether it's sacrifice in your budget and the things that you can afford because you choose not to use your extra time to make extra money. That's sacrifice. Or it's. You use all your spare time to learn how to make extra money so that it doesn't feel like a burden to go out and go to a comedy show or go to a movie theater. You know what I mean? Like, you. You get. You get to choose. Like, these are all trade offs that you get to choose. But what's frustrating or annoying sometimes is the complaints that come from people who just don't want to choose. You know what I mean? Like, they're like, I want all of those things and none of the sacrifice. And it's like, that's not how abundance works. Like, you. You're just gonna have to make some difficult decisions. That's why I love the example of like, weight loss and nutrition and stuff like that, because it's a perfect siloed example of what we're talking about. It's like it is very difficult to leave the house and not be tempted to buy delicious food and treats and snacks and desserts and all this stuff. You know, when you're hungry, it's. It's difficult to go to the grocery store when you're hungry and not put all the chips in the chip aisle in your bag or get some Lucky Charms or something like that. It's difficult to do that. But if you want to maintain, you know, some version of being in healthy or good shape for some extended period of time, you're just going to learn to have to navigate all of the barrage of marketing messages that you receive to go buy more food.
Producer Eric
Yeah.
Travis
And figure out a way to not do that. Like, or just be fat and be okay with that. But then to sit and complain about being fat when you're making decisions to that you know, are going to add to your weight rather than subtract from it like that. That's where I just. I stop having time for it. When. When the, when the. When all you want to do is complain. There's no other version. There's no, you know, and then the complaint is always allows you to sit in the victimhood chair and then point the finger at all of the rest of everybody else and how it's everybody else's fault. And if. If we were just. If we were just born in a different time, if we just had this thing available to us or if we. If I grew up in a different household or if I went to a different college or if I went. You know what I mean? It's like I would have been set up like this. It's like, okay, maybe, maybe not. Who knows? Either way, that's not the situation that you're in. So you got the hand. You got dealt the hand. Figure out how to play it or don't and be okay with whatever life throws at you. But don't. Don't choose to not play the hand and then just continue complaining about everything when you're opting out of the game.
Producer Eric
Yeah.
Travis
You know what I mean? Like, that's. That's just super. Superfluous. Like, it doesn't.
Producer Eric
It's what?
Travis
Superfluous.
Producer Eric
Want to try that again?
Travis
Super.
Producer Eric
It's a remix
Sponsor Voice
is.
Travis
It is a useless activity. It does nothing for you except for piss off everybody around you and make you not fun to hang out with.
Producer Eric
Yeah, I stuttered through an article for the whole last episode, and then you stuttered once. That's how it was.
Travis
And I didn't say one thing.
Producer Eric
You didn't say one thing. You just said a lot of stuff.
Travis
I said I didn't say one thing. When you were stumbling through that article.
Producer Eric
Oh, you looked at me kind of
Travis
like, no, you were making fun of yourself. And I went, that's rude. Yeah, well, I let you have blunders.
Producer Eric
No, it is when you. When you start, like, you say with the calories and stuff or with food, it is crazy. When you start tracking how much, you notice. Yeah, you know, same with money, too. It's like when you start. When you, like, start going through doordash, you're like, okay, that plus that. I'm gonna close that. I'm not gonna look at that. That's very bad.
Travis
You ever seen, like, a line item on your budget or something that you're like, no way. We spent that much money doing that. And then you go back and start looking at your charges, and you're like, yeah, okay.
Producer Eric
Or when you get the alert from, like, your, like, whatever app you use, and it's like, you spent $3,000 your last three months on this category, and you're like, how.
Sponsor Voice
What?
Producer Eric
3,000, huh? I didn't spend $3,000 total across everything.
Travis
I just got toothbrushes on Amazon. And you pull it up and go like, oh, yeah.
Producer Eric
You know what absolutely killed me about when I started tracking my calories? What is one of my favorite snacks on the planet is chai tea latte from Starbucks. No. One of my favorite things ever is salting crackers. That's so old, huh?
Travis
That is super old.
Producer Eric
Yeah, it's salting crackers, and I like to get cream cheese, and I put the cream cheese on the cracker. It's so good.
Travis
Interesting.
Producer Eric
Don't start. Don't start down that road. It'll take you further than you want to go.
Travis
Saying, this is a bad idea. Don't do this.
Producer Eric
Yeah, but then I started tracking calories. I was like, I'm gonna have some cream cheese and crackers. And then I looked five saltine crackers. Guess how many calories it is. And that's a serving size, by the way.
Travis
I'm assuming it's a calorie, which is crazy.
Producer Eric
Whenever you look at chips or crackers and it's, like, serving size 5, and you think about how many chips you eat, if you start eating chips, okay, five crackers. Guess how many calories. You're gonna do the thing where you guess way too high, and then you're like, oh, that's not that bad.
Travis
200.
Producer Eric
No, 70 calories.
Travis
Oh, okay.
Producer Eric
That's a lot, though.
Travis
You were making it seem like it was a lot.
Producer Eric
Okay, listen, if you haven't ever counted calories, that's an educated guess from someone who's been count calories. Imagine you don't know, and you're just like, crackers are small and thin.
Travis
Yeah.
Producer Eric
And you're.
Travis
That's. My point is like, I. That would have been my thought originally, but you were making it.
Producer Eric
Can I tell you, though, what I would do a couple times a month?
Travis
What's that?
Producer Eric
I would get a sleeve of saltine crackers and eat the whole sleeve.
Travis
The cream cheese is the killer.
Producer Eric
The cream cheese kills. And that has, like, 280 calories in a serving.
Travis
Serving, which is like a tablespoon.
Producer Eric
I could crush half a block of cream cheese with crackers. Because you sit there, you watch a movie, you have a little soda, and then.
Travis
So good.
Producer Eric
You should try that, though. Cream cheese and crackers. No, no. But it's so good.
Travis
Yeah.
Producer Eric
And if you want to get crazy, you can do a little dab of, like, hot sauce on top. Some people. My mom does olives. Like, a little olive on. Dude, do you have crackers?
Travis
So hungry.
Sponsor Voice
No.
Producer Eric
Cream cheese and crackers is great.
Travis
A little wine with that, too.
Producer Eric
But. But it was stuff like that, though. I noticed. I was like, oh, God, it's killing me.
Travis
Yeah, it's killing. Wait, so what's a. How much. So you eat the whole sleeve of crackers.
Producer Eric
Okay, listen, I don't like how you say it. Yeah, yeah. But the thing is, you just sit there with the cream cheese and you just like.
Travis
I know what you mean. It doesn't feel like it's that much.
Producer Eric
It's like when you're eating chips and dip and you're like, hey, where'd all the lays go?
Travis
Right.
Producer Eric
It's easy to eat a whole bag of chips.
Travis
It was definitely my kids that ate all of these. And your wife's like, yeah, but that was up in the top of the pantry. That was all you. And then you're like, oh, no.
Producer Eric
My go to now for, like, if I want, like, a snack is goldfish. Oh, the serving is crazy. It was like, 30. It was like. Or it was 51 goldfish.
Travis
51 is a single serving.
Producer Eric
Goldfish serving. Oh, no, no, no. I've been eating wrong. No, I'm just kidding.
Travis
It's 12.
Producer Eric
No. Oh, yeah. 55 Goldfish crackers is a serving.
Sports Commentator
Wow.
Producer Eric
And it's 140 calories.
Travis
Okay.
Producer Eric
So when I.
Sports Commentator
Okay.
Producer Eric
Goldfish. Yeah. So I'll literally be like, if I want that, I'll just. It's 3 grams of protein. So if you do 20 servings, you're at your protein.
Travis
It's a really efficient way to protein.
Producer Eric
But goldfish have been great. And then I do the goldfish diet. Dude, the Frank's Red Hot goldfish are so good. Oh, my God, I'm getting hungry.
Travis
And the red hot doesn't add any additional calories either.
Producer Eric
Nope. Dude, that's also great. Is just the protein cups from chipotle with a little hot sauce.
Travis
Yeah. Hot sauce is a hack because it gives flavor to the food without adding any calories, of course. The check.
Producer Eric
Same with mustard.
Travis
Same with mustard.
Producer Eric
I love mustard, dude. But also, it's not that serious. Where I'm gonna be like, I'm not gonna have ketchup because the extra calories kill me.
Travis
Yeah. I told. I told Jackie that the other day, because I've been doing the. The little tuna cans and yucky. But if you put mustard. If you like mustard, and you put the mustard on the tuna, it's like, I'm mostly tasting mustard on this.
Producer Eric
I just don't like fish.
Travis
Yeah. I don't know. You might like it.
Producer Eric
No.
Travis
If you put it on a Saltine. No saltine. A little bit of tuna, some mustard. But anyway, I asked Jackie the other day. I was like, hey, next time you go to the store, can you grab some, like, hamburger pickle chips? And she was like, you are literally making a cocktail of the worst foods on the planet for me, because these, like, all three. She hates mustard, she hates pickles, and she hates, like, canned tuna. She was like, this sounds like the most disgusting invention ever. But in my mind, it was like, this sounds like a tuna sandwich, you know, in a cup. The hardest thing I have, pickles and mustard are both zero calories.
Producer Eric
Is saying no to acai bowls. Yeah, that's really hard.
Travis
I agree.
Producer Eric
It's really hard because they are so good.
Travis
When I. When we bought the store, I was like, I'm gonna be in here at least three days a week grabbing a free bowl.
Producer Eric
Yeah.
Travis
And then now it's like, I can't afford the calories. I can't do it.
Producer Eric
You know what I think of?
Travis
Unless I went on, like, a crazy run or, like, after a day of basketball or something, it's like, okay, I can go eat one of those because I need the. Need the carbs.
Producer Eric
Well, this is. As we close out. I don't know about you, but this is what I think about every time I eat or I hear about saltines or I eat saltines. Do you know what it is? I just love sardines. Sardines are the food of perfection. With vitamins, minerals and.
Sports Commentator
Or.
Travis
Sardines and saltines. Sardines and saltines.
Producer Eric
The more that I eat them, the better they seem.
Travis
Yeah, but you don't put sardines on yours, bro.
Producer Eric
That's Patch the Pirate, bro.
Travis
Is that Patch the Pirate?
Producer Eric
Yep.
Travis
Really?
Producer Eric
Sardines and saltines. Sardines and saltines. The more that you eat them, the better they seem. I've never heard that disgusting. Actually.
Travis
Yeah, I'm not a big sardines fan. Compared to tuna, I'd rather have tuna than sardines.
Producer Eric
Okay. Big tuna.
Eric
Yeah.
Producer Eric
I don't know. My voice cracked. Okay, that was not on purpose. All right, close us out.
Travis
All right, well, that's it for this episode of the show. Remember, money only solves your money problems, but it's easier to solve the rest of your problems when you got some money in the bank. So let's start there. Here on the Travis Makes Money podcast. Thanks for tuning in. Catch you next time. Peace.
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Podcast: Travis Makes Money
Host: Travis Chappell
Co-Host: Producer Eric
Episode: Make Money by Avoiding the Small Spending Habits That Keep You Broke
Date: July 3, 2026
This episode centers on the controversial idea that small, everyday spending habits—like eating out regularly—can quietly sabotage financial progress, especially for young people. Travis and Producer Eric dig into recent social media debate around comments by financial personalities Kevin O’Leary and Caleb Hammer, exploring generational attitudes toward spending, the culture of victimhood, and balancing enjoyment with responsible money management. The discussion emphasizes practical strategies and mindsets to escape paycheck-to-paycheck living, while sharing candid personal anecdotes about spending, dieting, and habits.
[03:06] – [04:47]
“Young people are broke because they spend 28 hours going out to eat... it’s the death of a thousand cuts. Yes, just $28 three times a week becomes an actual halfway decent retirement fund.” [03:06]
[04:47] – [06:14]
[06:14] – [09:47]
[10:28] – [12:00]
[12:00] – [13:46]
[13:46] – [19:29]
[13:46] – [21:10]
Lively, unscripted, conversational, with humor and frequent pop culture references. Travis and Eric openly poke fun at themselves and each other, using personal stories to bridge abstract concepts with relatable situations. The episode blends practical money advice with everyday observations, encouraging listeners to both enjoy life and exercise purposeful discipline.
This episode is for anyone tired of being told to “skip the latte” but still frustrated by a lack of financial progress. Travis and Eric advocate awareness, intentionality, and, above all, choosing your tradeoffs with eyes wide open.