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You're probably driving, working out, or doing chores right now. Quick tip. TikTok isn't just entertainment. It's where I find fast, practical advice for real life. Download TikTok now. 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 another episode of the Travis Makes Money podcast where it's our mission to help you make more money today on the show. My producer Eric is here. What's up, man?
B
What's good?
A
How's that strawberry monster treat?
B
How are you? It's so delicious.
A
You like those ones, huh?
B
It is really good.
A
Yeah.
B
I'm out on Sour Patch Ghost.
A
You're out on them?
B
Yeah. Like you've made it too sweet now.
A
I agree. I used to like them a lot
B
and I love them, but they are, they're too sweet.
A
I definitely go for the Welch's Grape
B
Juice Ghosts now, to me, sugar free orig or sugar free original flavor. Red Bull is the best. I just love it.
A
That's fair. They are, they are tasty.
B
So there's, there was a clip on. There's a clip from a MSNBC commentator that drew some ire.
A
Interesting.
B
And I wanted to play the clip for you and go from there. I think it's on your screen right now.
A
Yeah.
B
And here we go.
A
Come and vote. But Mike, how do younger voters not know that like 100 million people died at the hands of Communism in the 20th century in communist countries? Are they really that illiterate?
B
Historically?
A
No, I don't believe they are. But I mean, they listen to Bernie Sanders talk about free college tuition, free medical care.
B
It's, it's this guy, by the way, that's talking right now. Okay, so this Berkeley.
A
No, I don't believe they are. But I mean, they listen to Bernie Sanders talk about free college tuition, free medical care, erasing college tuition debt that exists. That's pretty appealing to a lot of people. If you're 25, 26, you're out in the job market and you're making, I don't know, say you say you're doing okay, 75 grand a year and like half of your take home pay each week goes to paying off your college debt. Right, Bernie? Sounds pretty good to you?
B
Yeah. So this clip got posted to X and someone said an MSNBC ghoul just said this online. Did that Just piss you off? Are you shaken? You pissed right now? Are you angry right now?
A
What are they pissed about?
B
Because. Well, here, let me read this article.
A
Basically saying, like, who's making 75?
B
So, yeah, someone said. So this was posted. And then somebody said, imagine being so rich that $75,000 is what you think poor people earn. Straight up evil. And then they said $75,000 is a fantasy amount of money to me. I can't even imagine what it's like to, to make that much money a year. And that sparked a bigger conversation about the salary of $75,000. 1. I mean, it is funny. Oh, actually, I gotta pull up this quote or this clip. There's a one of Jesse Waters, I think, from Fox. And he's like. It was one of those things where it's like when Kris Jenner's like, how much is a gallon of milk? It's like that kind of energy.
A
Yeah.
B
But first and foremost, like, do you think there's any out of touch necessarily that people are right about? Where it's like, imagine thinking that the Average person's making 75 grand. Do you just not think about it? What do you. What do you think?
A
I mean, they're treating it like he said 750,000. You know, like 75 grand for a college graduate is not wildly above what the average person makes with a bachelor's degree. I think it's. I think it's somewhere around like 45,000 or 50,000 is like the average starting salary of a college graduate with a bachelor's degree or something like that.
B
Yeah. So you're gonna get.
A
But he did, he did.
B
That clip of you is gonna draw some ire.
A
But he did say, he did say that. He, he said something like, let's assume they're doing well. So he was already sort of caveating it by saying, like, this would be a good example of somebody making 75k a year. But also it's. It. It's not even necessarily. It's like somebody that is in that age demo, which he looks to be, like late 60s, maybe 70s or something, has been in the workforce for so long and they have gotten all the raises that have come along with that, that they probably forget what it's like to be starting off and what the actual starting off point looks like. But like, like I said, I, I don't. I think the actual stat is something like 45, 000 or 47, 000 or something.
B
There was some way we could know.
A
I don't know. Check. Yeah, double Check me on that. But, like, that's why I say he's not. He's not crazy. Far off, obviously. Definitely depends on the type of degree that you got. If you got like a poli sci degree or photography degree, and you're probably
B
not a college degree. I feel like you're overshooting, really. I mean, just think about any college.
A
I thought I read that somewhere.
B
Oh, 68 to 69,000 annually.
A
Yeah. Okay, so he really wasn't that far off.
B
Okay. Well, I also wonder, though, how much the average is affected by, like, say, engineering.
A
Well, that's what I'm saying. It very much depends on what you got the degree in.
B
Okay.
A
But I wouldn't say he's like, wildly out of touch. You know, he might even if he's 20 or $30,000 off.
B
Well, whatever degrees the people on Twitter have, they're not happy with this. So. So, okay, so here's the broader question, though. Well, first, here's Jesse Waters on. And of course, he's on valuetainment, which I was just talking about with high praise. I wasn't talking about with high praise, but here's a clip of Jesse Waters. This is so good.
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Very good at math. So see if you can do this in your head. You probably can if you're making $20 an hour to work at a fast food restaurant.
B
Right.
A
Is that. Is that first.
B
First of all, you're not.
A
Yeah.
B
You're not making $20 an hour.
A
You're very good at math. So see if you can do this in your head. You probably can if you're making $20 an hour to work at a fast food restaurant. Right. Is that. Is that six figures? Are you making?
B
No, no.
A
50 is just two exit and not a few zeros. Okay, so 20 bucks. 40k. Yeah. So and then if your husband or wife is also there, you're making $100,000 as a family. Sure. Both working at McDonald's. 80 grand. That is. Okay, that's crazy. That is crazy because that job really doesn't require much, so it's inflating the entire, you know, labor sector.
B
And the Happy Meal.
A
And the Happy Meal. That. That is a. That is the definition of out of touch. $20 an hour. What's that? What's that? 100 grand. And then it's actually about a third of that.
B
And then I love Patrick's reaction of like. No, no, no, no.
A
40 grand. Noes. Just two exit to and out. A few zeros. Okay, so 40k a year.
B
Full time. 40k a year. And then Jesse goes on.
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This episode of the show is brought to you by Shopify. Starting something new isn't just hard, it is terrifying. So much work goes into this thing that you're just not entirely sure that's going to work out and be hard to make that leap of faith. Trust me, I know. When I started this podcast, when I've started several of my businesses, I just wasn't even sure what I was doing. Like what if nobody listens to the show? What if I make a fool of myself? What if I embarrass myself? Nobody buys my stuff. Now I know that I was right in believing in myself and launching my podcast and several of my businesses despite all the fears and hesitations. But it also helps when you have an amazing partner like Shopify on your side to help. Shopify is the commerce platform behind millions of businesses around the world and 10% of all e commerce in the US is using Shopify. Like this is the place that hosts all of your favorite products and services. So if you are considering this, then Shopify is a must. Especially, especially especially if you're going to launch some sort of an e. Comm product. So get started with your own design studio. With hundreds of ready to use templates, Shopify helps you build a beautiful online store that actually matches your brand's style. But Travis, what if I get stuck? What if? Well, Shopify is always around to share advice with their award winning 24. 7 customer support. Which is very very important to people like me who are still some for some reason like caught in the 1980s and I want to talk to somebody when I actually have a problem and instead of just relying on an AI system. And did I mention that the iconic purple shop pay button that's used by millions of businesses around the world? That's from Shopify. It's why Shopify has the best converting checkout on the planet. Helps boost conversions, meaning less carts going abandoned and more sales for for you. So it's time to turn those wha ifs into with Shopify today. Sign up for your $1 per month trial today at shopify.com TMM go to shopify.com TMM that's shopify.com TMM. This episode of the show is brought to you by Chime. Chime is not just another banking app. They unlock smarter banking for everyday people with products like MyPay giving you access to up to $500 of your paycheck anytime and getting paid up to two days early with direct deposit. Some old banks still don't do this. So forget overdraft fees, minimum balance fees, monthly fees. CHIME turns everyday spending into real rewards and progress. Plus, they have this new credit card, which I'm a big fan of, this Chime card. It's the new way to build credit history with your own money and actually get rewarded every single day. So a lot of cards like this, they require you to put some sort of money down and then they will give you a credit card based on the money that you put down. But when they do that, because it basically is working off of the cash that you have down as collateral for the credit line, you don't get rewards on it. Well, Chime changed the game with their new credit card as well. There's no annual fees, there's no interest, no strings attached. And when you get qualifying direct deposits, you get 1.5% cash back on eligible CHIME card purchases. CHIME is not just smarter banking. It is the most rewarding way to bank. So join the millions who are already banking fee free today. My younger self would have benefited from this, and I know you will too. It just takes a few minutes to sign up. Head to chime.com travis that is chime.com
B
travis and says, so if you're making 40k a year.
A
Yeah.
B
And your spouse is, that's 100k, right. It's like, no, once again, that's not accurate.
A
We have missed the mark, Jesse.
B
So anyway, that's a funny clip. So this led to a broader question. So do you consider $75,000 to be poor? And so here's, here's some of the responses people got. One said, if you have a roommate in New York City and don't have a car, you probably don't have a lot of other expenses. You probably save a good amount by making $75,000 in New York City. There are people making $20.
A
Maybe if you have like three roommates.
B
Right. Yeah, there are. There are people making $20 or even less living in Manhattan. What is that, six figures, making $20?
A
Something like that.
B
You and I might argue that their living conditions are less than ideal. Again, that's a big perspective thing, for sure. Sure. But unlike a lot of suburbs, places like New York City do give you more options for living frugally. In the area I live in, 95% of the housing supply is one bedroom, starting at 650 square feet. I could live with a lot less, but I basically have no choice but to pay for a bunch of space I don't need. Unless I wanted roommates, which I Don't. Someone else said it depends on your area and how financially independent you are. Where I'm at, a single person making less than 80k is considered low income and probably this year they're going to up it to 83k. If you're living in a high cost of living area and have to pay single one of your bills, then yes, you might be considered struggling. Someone said it's poor if you're bad with money.
A
That's very true.
B
Someone said, 75k is more than double what I make right now. They should go to McDonald's. You make $20 an hour and be making 100k. People always talk about New York. Someone else said, people always talk about New York City. You have to be well into the six figures or you might as well be homeless. There are 8 million people here. I always think about that when people say LA is completely unaffordable. New York's completely unaffordable. I'm like, there should be a lot less people living in these areas. Like there's something there. They said, rent is certainly expensive, taxes are certainly high. But I get by just fine on a pretty modest salary for anywhere in the us as do most of my peers. When I read about people who make 100k and complain about living paycheck to paycheck in New York City, it's usually because they have richer friends. So they're trying to live way beyond their means and experience all the amenities that are made for the actually wealthy class. They want to go to nice restaurants, see Broadway shows, take taxis everywhere, et cetera. And he added, someone added, depends on the area. In New York City, yes. New York City, yes, Nebraska, no. Everyone's saying depends on the area is right in New York, I doubt you could order takeout on this salary. While in Iowa or Arkansas, you could be living pretty decently. So, yeah, I mean, yeah.
A
So is 75k poor, basically, is the question. Yeah, yeah. It very much depends on where you live and then more importantly, it depends on your spending habits. Because like, what that person said I think is probably the most insightful thing, which is that if you have a friend who's making 150k and you're trying to keep up with them and go eat at the same restaurants and drink at the same bars. It's like you, if you're making 75k and you're living paycheck to paycheck, the first thing you have to do is take a look at what you're spending, because there's probably a pretty Good chance that you're overspending on stuff that you don't need, like the brand new pair of sneakers or, you know, even, even just buying new clothes or, or going to a restaurant to eat anything or like drinking out. You know what I mean?
B
It's this meme right here when your bank account is fighting for its life and you get added to a group chat named Japan trip 2026.
A
Yeah, exactly. Exactly. Right? Yeah. Like the volume of people that got into massive credit card debt to go see the ERAs tour last year. It's like those are the same people that are complaining about how they don't make enough money or that they deserve to get paid more money for the thing that they do. But it's really just like, no, you just haven't earned the right to be able to go drop three grand on a weekend to go see Taylor Swift in a different city. Or, or you. Like, I remember even when I was making six figures as a door to door sales guy, I remember like going out to bars with friends and seeing how much money they would spend on just like beers for the night. And it blew my mind. I was like, you just spent like $120 on beer. It's like, you know, you could bought a, you could have bought a six pack at the gas station down the street for like 14 bucks, right? Like, if you, if you don't, if you're not making enough money, then you don't have the option of living life the way that people who make a lot of money live their life. You just, you just don't, you don't, you don't deserve the lifestyle just because you're alive. You have to go prove to the market that you're worth getting paid more, and then you'll get paid more because you have skills that get paid more. And then you can start factoring those things into your life. But people want to go experience all the luxuries. The big one to me, dude, is like, I don't know if you feel like this, but I feel like brand names are ubiquitous now. And growing up, it felt like a privilege to have a pair of Nike shirts.
B
Like a hand me down Tommy Hilfiger bag.
A
Like, our, like our brand name that we wore is like starter apparel because you could buy five shirts at Walmart for $3 a piece. You know what I mean? Like, I looked at it like a privilege that I got to wear shack shoes that you could pick up at Payless for $23, you know what I mean? Like, but now the Bogo force ones. And it's like you just bought a $300 pair of sneakers and you're complaining about money. Like, that's, that's probably not an indicator that you, your job is just being unfair and you deserve to get paid more. It's probably just that you're living way wildly beyond your means. I even, like, I learned these lessons fairly early on because my, my parents were buying houses, you know, instead of buying cars and fancy vacations and things like that. And so they had, they had houses in Lancaster, which, you know, not the best renters in a lot of those areas. And it was, it was, it was even, it was jarring to me even without my parents having to explain it to me. Because we'd walk into an apartment where the tenant just got evicted because they're on their fifth month of no rent. And my parents were very, very lenient. As far as landlords go, they're always trying to work with people like, can you pay? What can you pay now? How can, what can you pay next month? And we walk, you know, into an apartment that they're trying to fix up for the next renter and, and you walk in there and you see this, like, you know, 40 inch plasma screen, which at the time was a very expensive tv. And it's like you, you have satellite television, you have a 40 inch plasma, and you have a gaming system, but you can't afford rent. Like, no, you can afford rent. It's just that your priorities, your priorities are way off base here. You're, you're, you, you think again, you think that you deserve this certain quality of life just because things are available to you to purchase, but you don't, you, you don't deserve any of that stuff just because you're alive. Like, you have to go earn it. And so I think, I think people are, are in general, it's the disease of living wildly beyond your means to be fair to them. It is, to Scott Galloway's point in that one video we watched on a previous episode, it is really difficult to spend your money wisely when ev, when we see up to 10,000 marketing messages every day, probably more like, that's a wild thing to think about, including, if
B
you want to count seeing people wearing brand names as advertisement too.
A
Yeah, right. And then, and then the, and then the, the, the ease of spending money is so much greater than it used to be. You know, it used to be like you have to walk into the department store, walk around, pick up the item, go to checkout, pull out your Credit card, pay for it, leave. Well, even now it's like you're scrolling on social. And just like in the midst of your TikTok scrolling, there's some random TikTok affiliate shop person who talks about these sneakers and it's like, oh, it's 75% off these sneakers, which means they're not $350 today, they're only $120. And then you hit one button, it auto fills all your information and it gets shipped to your house in three days. It's so much easier to spend money than it ever has been before. And then you're inundated with marketing messages, which makes it more difficult to hold on to your money. So it's like, I understand that it's a difficult climate to be able to say no to all this, all these distractions, but it's also just a matter of how much do you care about your financial future. Like, I had, I had the same pair of flip flops for like 12 years. I bought Eagle pair of flip flops on Black Friday when I was a sophomore in college and I threw them away like three years ago, you know, and, and bought another pair from Walmart for 12 bucks.
B
You know, you had to replace it six times.
A
Yeah, but, but that's my point is that people just, they just go spend a bunch of money and it's like, I, I just don't resonate with that at all. If you're worried about money, then why, why do you have a brand new couch? Again, this episode of the show is brought to you by factoring. Look, everybody who's listening to the show is busy. I get it. There's kids, there's distractions, there's businesses, there's side hustles, there's podcasts. There's everything to prevent you from eating good quality food all the time. So for me, eating healthy isn't necessarily a willpower problem. It's just more of a setup problem. It's just easier to pick the processed food because I know I can just grab it and eat it really quick. Well, enter factor with factor. I'm hitting my nutrition goals this season without the planning, the grocery runs, or even the cooking. 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It's ready in two minutes. Factor Shops preps, cooks and delivers straight to your door so you have more time for everything that you love. This spring I use this and you should too. Head over to factor meals.com TMM50OFF and use code TMM50OFF to get 50 off 550 not 1550 off and 3 daily greens per box with new subscription only while supplies last until September 27, 2026. That's Factor Meals.com TMM50OFF and use code TMM50OFF to get 50% off and free daily greens per box. Factor Meals.com TMM 50 OFF this episode of the show is brought to you by Wayfair. It's Way Day at Wayfair. From April 25th through the 27th, you can score the best deals in home, like up to 80% off with free shipping on everything. Wayfair makes it easy to find exactly what fits your style and needs, from furniture and decor to home improvement and outdoor essentials. And it's all on sale during Wayday. Best part, Everything ships fast and free during Wayday. Plus you can shop with Wayfair Verified, AKA your shortcut to the good stuff. So their team of product specialists vets everything by hand using a 10 point quality inspection so you know that you're actually getting a quality piece no matter what your budget is. Look, I we basically have redecorated our home with Wayfair in the last few months and at every time we use a site, I'm always blown away by how easy it is to use the platform itself. Also to find like the craziest stuff. Like if you think for a second that there's something that's not on Wayfair that you could put inside of your home for something, just test me out on this. Go to Wayfair and search for it. I promise you you're going to find it. It's crazy whether regardless of your esthetic, if it's Mid century modern or farmhouse or contemporary or eclectic, or you're looking for outdoor furniture or home upgrades or you want to upgrade the kids room or you need a new shoe rack. Whatever it is, Wayfair has it. They make it simple to narrow down to exactly what works for your style and and for your budget. Plus they have great reviews, filters, visual tools to help you make sure that it's the right fit. And then, you know, installation and assembly could be available depending on what you buy. It makes the process easier. Their shipping always blows my mind because you can get some like a literal. Our dining room table that we just got came from Wayfair and they shipped it to our house fast and completely for free. So they have thousands and thousands of five star reviews to help you shop with confidence and find things that fit perfectly into your home and lifestyle. Wayday is the sale to shop the best deals in home. We're talking up to 80% off with fast and free shipping on everything. So head to Wayfair.com April 25th through the 27th to shop Wayday. That's Wayfair.com W-A-Y-F-A-I-R.com Wayfair Every style, every home. Why do you have the newest gaming system, the newest iPhone, the newest TV? It's like people find any excuse to go spend money on something that they love to spend money on and then actively call anything else a scam when it could actually help them build a skill to go make more money. It's like your priorities are so wildly messed up and you're never going to be able to. Even if your salary doubled tomorrow, within three months you'd be spending all of that new money. You know what I'm saying? Like, it's not a factor of the level of income that you're at for a lot of people. It's just the fact that you think that you deserve to be able to eat at Flemings and drive a BMW and wear the newest pair of Jordans when you're making $34,000 a year. And that's just not the truth. You've been lied to. You know what I mean? And you usually. And typically people are doing that to like they're buying stuff because that's their version of feeling good about themselves versus doing the hard work that's required to typically feel good about yourself.
B
Have you seen when Payless did the Payless experiment?
A
No.
B
Watch this. This speaks to this. I have three clips I'm going to show you. I know we have like Four minutes left. I'm going to show you three clips because these are great. So the Payless experiment. Here we go.
A
We built a fake luxury store in Los Angeles and filled it with Payless shoes. The guests at our grand opening party had no idea. Elegant, sophisticated. I just think it's so classy and I could tell it was made with high quality material. These fashionistas actually paid 200, 400 and even $600 for Payless shoes. But you can get these same shoes at Payless for 19.99 or lower with our epic holiday deals. Why pay more when you can pay less? Such a great ad.
B
Yeah, such a super smart. You can tell this is made with the highest care, pal. Yeah, Plessy, hilarious.
A
But yeah, we'd go to Payless all the time and like I said, shoes for no.
B
And then this is the other one. So you mentioned the E is like back in the day you could just walk in with your credit card. But even people forget even before the 90s, like you couldn't just walk into a fast food place, pop down a credit card. Like you had to get your cash out. Yeah, you had to write a check if you're at the grocery store. So there's this clip. Have you seen this clip of when Burger King introduced credit cards to be.
A
Actually I think I might just play it. I don't remember it.
B
All right, let me see. What will it be? We're here to go. Would you like ketchup on that? Well, large or small fry, Cash or credit?
A
What the home of the Whopper is offering.
B
Dude, I'd love to be a reporter. That's so such a. Or credit.
A
I think it's pretty bad if you have to use a credit card when you go to a fast food restaurant for something as little as $3 and 10 cents.
B
If I use my GM card and
A
I get a 5, 5% rebate.
B
Thank you.
A
By eat here long enough I'll be able to buy a pickup truck.
B
Burger King bosses say workers won't have to figure out how much change the customer gets back.
A
I just hope it doesn't slow things down at the cash cash and carry that people are going to be having
B
to call New York and get, get the confirmation or you know, whatever it is.
A
Because when I want to Whopper, I want it now. Just another way to spend money. I'm sure it'll work for people on vacation when they don't have to do something. But I can't imagine it working on a day to day basis here.
B
So far the Smallest credit has been for $2.50. The largest just over 10.
A
Jamie Costello, News Channel 2. That's so crazy, dude.
B
Oh, that's a great video.
A
I can't imagine actually paying for stuff with cash anymore.
B
Right. Like, I hope it doesn't slow down. I hope it doesn't slow down that people are using cash. That's what I think now. All right, here's. And then one more to close out. Have you ever seen Bill Gates try to guess prices of things on the Ellen show? This is great. Of course, I don't endorse Bill Gates for some of his adventures, but this is a really funny clip regardless.
A
When's the last time that you have been at a supermarket?
B
Long time ago.
A
How much do you think rice a roni would be? $5. Let's see. Oh, it's a dollar. I'll take five. I know. What do you think? $4?
B
No, no.
A
They want me to go higher. Let's go. Go 10. $19.97.
B
This is my best chance.
A
How much would you say that floss is? I would say $4. Look at you. 378.
B
That's so good.
A
That's a great concept for a TV show. The price is right for rich people, right?
B
Yeah.
A
Yeah.
B
Anyway. Well, all right. Well, the. The cost of tide pods is $347 or to FL. Dental floss is $3. 47.
A
Now it's probably $14.
B
But the value given in this priceless.
A
Priceless.
B
Go ahead and close out.
A
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 problems with money in the bank. So stop spending your money on brand names and put it in the bank instead. That's it for this episode. Catch you guys in the next one. Peace, dear. Friday Toyota says let's put good times in gear with the Tundra Tacoma and 4Runner want some cool available features. We've got power tailgates to power game days and a trailer backup guide that's the champ of the ramp. Heck, we might even cancel Monday. Toyota trucks find yours@toyota.com Toyota let's go places.
Episode Title: Make Money by Fixing Your Spending Habits (Why $75K Isn’t the Problem)
Host: Travis Chappell
Co-host/Producer: Eric
Release Date: April 4, 2026
This episode addresses a viral debate: whether earning $75,000 a year is enough to live comfortably or if it classifies as "poor." Travis and Eric dive into the issues of income perception, financial habits, and cultural expectations around money, with a particular focus on why “fixing your spending habits” is as important—if not more—than striving for a higher income.
Travis analyzes the stats:
Notable Quote:
Eric reads online responses:
Travis’s Take:
Memorable moment:
Travis shares personal stories:
Brand Name Pressure:
Parental Influence:
On Financial Comparison:
On Earning and Entitlement:
On Cultural Pressure:
On Marketing:
On Lifestyle Inflation:
Payless Luxury Store Prank:
The Introduction of Credit Cards at Burger King:
Bill Gates Guesses Grocery Prices on Ellen:
For listeners looking for actionable advice: Focus on financial habits, not just income. You probably don't need to cut all joy out of your spending, but learning to live below your means is more important than the actual number on your paycheck. Leverage skill-building and investment in yourself, not brand names.