CO-HOST | Make Money by Ignoring Generational Excuses and Taking Ownership

Summary

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Podcast Episode Summary

Podcast: Travis Makes Money
Episode: CO-HOST | Make Money by Ignoring Generational Excuses and Taking Ownership
Host: Travis Chappell
Co-Host/Guest: Eric (Producer)
Date: June 29, 2026

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Episode Overview

This episode dives into the contentious topic of generational wealth, financial responsibility, and the tendency across generations (especially boomers vs millennials) to blame one another for economic struggles. While the hosts begin with a wide-ranging, comedic discussion about movies and celebrity crushes, the core theme soon becomes clear: you can’t let generational stereotypes or excuses hold you back from taking ownership of your financial trajectory. The show features a discussion about comments by finance influencer Caleb Hammer, his tough stance on baby boomers’ alleged squandered opportunities, and relatable pop culture references (including a nostalgic look at TV and movie depictions of “starter homes”).

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Key Discussion Points & Insights

1. Comedy, Pop Culture, and Breaking the Ice (00:30 – 08:05)

• Movie Tangents: The episode opens with a lighthearted, rapid-fire exchange about the Bring It On movie franchise, nostalgia, and first celebrity crushes (Kirsten Dunst, Eliza Dushku, Gabrielle Union, Hayden Panettiere).
  • Travis: "My first celebrity crush ever as a kid was Kristen Dunst in Spider Man" (03:03)
  • Eric: "Probably the Olsen twins…Or Hillary Duff…Agent Cody Banks. That was a great film" (02:42-02:57)
• Discussion transitions from movie ratings to the surprising progressiveness (and simultaneous datedness) of early 2000s pop culture.

Notable Quotes:

• Travis: "I've said it three times…this isn't a democracy, it's a chirocracy" (05:53)
• Travis: "The craziest thing…these movies are both very progressive for their time…but also incredibly homophobic and racist in the way that early 2000s movies are" (06:09)

2. Transition to Finance Discussion – Generation Gap Commentary (08:05 – 11:46)

• Travis makes an elaborate segue linking Bring It On, generational tastes, and financial stress from pop culture to real-world generational conflict.
  • "You know why you wouldn't like Bring It On? Because you're a boomer. And you know who doesn't care for boomers? Caleb Hammer…" (08:17)
• Introduction to a clip of finance influencer Caleb Hammer discussing “boomer” financial irresponsibility, as featured on the Joe Rogan Experience.

3. The Boomer Debate: Sympathy, Responsibility, and Missed Opportunities (11:46 – 16:47)

• Student Loan Struggles:
  • Caleb Hammer describes how many people (including boomers and Gen X) stretched their student loan repayments far beyond standard 10-year plans, with dire results ("They'll have it forever…it's going to balloon…and they're going to complain" – 12:28)
• Social Security and Student Loans:
  • Shock at retirees having Social Security docked to pay student loans (12:47-13:08)
• Caleb’s Take:
  • Caleb Hammer is “starting to not have sympathy for the boomers,” given the economic advantages they had and failed to capitalize on (13:10-13:56)

Notable Quotes:

• Caleb Hammer: "They lived it up and spent all their money…they had the best housing market, college, jobs…if they just put 5-10% a month aside in the stock market…most of them would be multimillionaires." (13:56)
• Travis: "So what do you think of Caleb Hammer saying, I have no sympathy for these lazy, good-for-nothing boomers?" (14:53)

4. Generational Finger-Pointing & Taking Ownership (16:47 – 21:36)

• Blame Game:
  • Eric and Travis lament the cyclical nature of older generations criticizing the young, while refusing to acknowledge their own advantages or missteps.
    • Eric: "A lot of those things are accurate…best housing market, best job market, and you squandered your opportunities." (17:06-17:11)
    • Travis: "It's human nature to squander." (17:14-17:16)
• Nuanced Perspective:
  • They acknowledge all generations make mistakes and every era has its own opportunities and challenges.
  • Eric highlights Scott Galloway's points on how economic systems tend to benefit those already in power, typically older generations (16:47).

Notable Quotes:

• Eric: "I just hate the finger pointing and the blaming...every generation does it. Every generation’s worried about the next generation—'they’re just lazy and entitled.'" (17:55)
• Eric: "If you’re not willing to concede the things that are objectively more difficult and maybe more frustrating, then your opinion is invalidated to me." (21:23)

5. Real Estate Realities & Pop Culture Comparison (21:36 – 24:36)

• Boy Meets World Clip:
  • Hosts reflect on a Boy Meets World episode from 1999 where a young couple struggles to imagine affording an $80,000 house—down payment only $1,500. (23:46)
  • Comic contrast to modern housing costs and inflation of "starter home" expectations.
• Modern Home Ownership:
  • Eric and Travis poke fun at how home sizes and prices have exploded ("Now it's a 1200 sq ft bathroom" – 24:13; "Well, we only need each other…and a payment we can afford!" – 24:21-24:29)

Notable Quotes:

• Travis: “It is strange that houses have just gotten bigger and bigger...Starter homes used to be that two-bedroom, two-bathroom…Now it’s a 1200 sq ft bathroom.” (24:02-24:13)

6. Closing Thoughts & Money Mindset

• The message throughout is one of personal ownership: don’t use the cards you’re dealt as an excuse, focus on what you can control to make your financial life better—regardless of generational trends or perceived fairness.

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Memorable Moments & Notable Quotes (with Timestamps)

• [03:03] Travis: "My first celebrity crush ever as a kid was Kristen Dunst in Spider Man and I think it's a reason I'm, like, broken for redheads now."
• [05:53] Travis: "This isn't a democracy, it's a chirocracy."
• [13:56] Caleb Hammer: “They lived it up and spent all their money...best housing market, college, jobs...if they just put 5-10% a month aside in the stock market...they would be multimillionaires.”
• [17:55] Eric: “I just hate the finger pointing and the blaming...every generation does it, every generation's worried about the next generation and, like, they're not going to be able to figure it out...”
• [21:23] Eric: “If you’re going to talk out of your ass about laziness and all this other cliches...and not be willing to concede the things that are objectively more difficult...your opinion is invalidated to me."
• [24:02-24:13] Travis: "It is strange that houses have just gotten bigger and bigger and bigger...starter homes used to be that two-bedroom, two-bathroom...Now it's a 1200 sq ft bathroom."

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Important Timestamps

• 00:30 – 08:05: Pop culture and Bring It On franchise banter
• 08:05 – 11:46: Segue to generational finance talk, Caleb Hammer clip intro
• 11:46 – 16:47: Student loans, Social Security, and Boomer accountability
• 16:47 – 21:36: Generational blaming, political frameworks, and call for nuance
• 21:36 – 24:36: Nostalgic look at home ownership via sitcom clips; modern realities
• 24:41 – End: Closing money mindset reminder: “Money only solves your money problems, but it's easier to solve the rest of your problems with money in the bank. So let's start there." (24:41)

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Tone & Style

• Playful, irreverent, and full of quick banter
• Culturally savvy, touching on films and memes to talk about serious subjects
• Straightforward, direct financial commentary with a “take charge” empowerment focus
• Consistently humorous even in moments of critique

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Takeaway Message

Don’t let generational stereotypes or resentment define your attitude or financial actions. Every era has its opportunities and obstacles—but those who focus on what they can control (instead of blaming others) ultimately pave their own path to financial success.

"Money only solves your money problems, but it’s easier to solve the rest of your problems with money in the bank. So let’s start there." – Travis Chappell (24:41)

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Transcript

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[Travis Chappell]

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[Eric (Producer)]

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 in studio. What's up, Eric?

[Travis Chappell]

Please kill me.

[Eric (Producer)]

Wait, why?

[Travis Chappell]

I've been in here recording for hours.

[Eric (Producer)]

We haven't been.

[Travis Chappell]

We have been recording for hours, actually.

[Eric (Producer)]

Hour maybe, actually.

[Travis Chappell]

And you served me a lukewarm Coke.

[Eric (Producer)]

That was your decision.

[Travis Chappell]

Hey, you want a warm Coke?

[Eric (Producer)]

That was the opposite of what I asked.

[Travis Chappell]

Actually, you actually said, I'm concerned. That's going to be warm. Yeah, and it's empty and I haven't got a refill. Thanks. Because you keep making me record one after another. So anyway, anyway, I was going to break out into a cheer. 1, 2, 3, 4.

[Eric (Producer)]

Yeah. Why?

[Travis Chappell]

Because I've been watching Bring It On.

[Eric (Producer)]

You've been watching the movie Bring It On.

[Travis Chappell]

The series. The series I watched Bring It On I watched. So three nights ago I watched Bring It On. Two nights ago I watched Bring it on again. And last night I watched Bring It on all or nothing.

[Eric (Producer)]

That's pretty wild. It's pretty. You know what? You know what grinds my gears is that you're gonna watch re. Watch through.

[Travis Chappell]

I've never watched them before. It's a first time watch. And there's seven movies.

[Eric (Producer)]

There's seven movies.

[Travis Chappell]

So I've got four more to go. The last one's a slasher movie too.

[Eric (Producer)]

But you refuse to watch the boys.

[Travis Chappell]

That's not the same thing. So anyway, so who. Okay, so here's what I'll tell you. So the reason that Bring it on came on my radar is because I interviewed Bethany Joy Lentz from One Tree Hill, and Tara was like, she looks familiar. And I looked her up, and I was like, oh, she was in Bring it on again. She's the only good thing about that movie, I'm gonna be completely honest with you. But she's so good in it. And Tara was like, it's weird when you watch a movie and you're like, oh, that's why that person became a star. And you haven't heard from these other people.

[Eric (Producer)]

I would have not known any of that because I've never seen Bring It On.

[Travis Chappell]

And then the other reason she brought it up was something else, but I don't remember. But anyway, so we were like, let's watch Bring It On. Let's make that the next thing we do. But what was crazy is, what's your first celebrity crush as a kid?

[Eric (Producer)]

Probably the Olsen twins. Ashley Olsen, specifically. I don't know why they're. They're twins, but I don't know why I like Ashley Olsen better. Or Hillary Duff. I think those. Those are the first names that pop up in my head.

[Travis Chappell]

Agent Cody Banks.

[Eric (Producer)]

That was a great film.

[Travis Chappell]

Yeah, it was. Yeah. Yeah. Oh, yeah.

[Eric (Producer)]

It was a little Lizzie McGuire action.

[Travis Chappell]

Yeah. So my first celebrity crush ever as a kid was Kristen Dunson's Spider Man. And I think it's a reason I'm, like, broken for redheads now.

[Eric (Producer)]

I'm pretty sure Kirsten Dunst.

[Travis Chappell]

But you know Kirsten Dunst. Sure. But is it.

[Eric (Producer)]

She's also in Bring It On.

[Travis Chappell]

Is it Kirsten Dunst?

[Eric (Producer)]

Kirsten K I R?

[Travis Chappell]

Not K I R. I'm so sorry, Kirsten. If you're watching anyway, I. I'd be

[Eric (Producer)]

wild if she was watching.

[Travis Chappell]

She's like, I was watching. You said Kristen Dunst. Kirsten Dunst. It is Kirsten. You're right. So anyway, I always, always had a big crush on her. And then my other teenage crush was Eliza Dushku from Buffy the Vampire Slayer. She played Faith. And that's where I fell in love with mean brunettes. I told my wife, you're welcome. This paved the way for you. And then I also always loved Gabrielle Union in Bad Boys ii. And guess who's in Bring It On. No, literally, like, every scene it was like, oh, Kirsten Dunst. Yes. Eliza Dushku. Yes. Who's their rival? Gabrielle Union from Bad Boys 2. And so it was great. And it's actually a really good movie. It's directed. No, it's directed by the same guy that did Ant man and yes Man.

[Eric (Producer)]

Okay.

[Travis Chappell]

He did two man movies. What's next? Ant Man. Yes Man. Give this man Batman. I don't know. I don't know.

[Eric (Producer)]

Good one.

[Travis Chappell]

I don't know.

[Eric (Producer)]

We'll try that out.

[Caleb Hammer]

I don't know.

[Travis Chappell]

Yeah. Hey, Peyton Reed. He directed Ant Man. He directed yes Man. What other man can we tackle there, Peyton? So anyway, so he did Bring it on and I enjoyed it.

[Eric (Producer)]

Good for you.

[Travis Chappell]

I just totally blanked on how I'm segueing into the why you brought all of this up. Anyway, so. Yeah, so anyway, so I watched Bring it on and then I watched Bring it on again, which was not good, except Save Bethany Joylands. But then we get to the third Bring it on and I'm like, as you do. And I'm like, you know, I used to watch the show Heroes when it first came out. I don't remember when that was.

[Eric (Producer)]

Hayden Panettiere.

[Travis Chappell]

Yep. And you know what? Had a. You know who I had a crush on that show?

[Eric (Producer)]

Hayden Panettiere.

[Travis Chappell]

Yep. And guess who's the star of Bringing It On. All or nothing.

[Eric (Producer)]

Hayden Panettiere.

[Travis Chappell]

Yes. And I was like, what's going on? So. But then we finished the movie. None of the cast carries over in any of the movies. They're all standalone. And I. I was like, we're officially out of all of them. So we moved through. So now it's like the last four.

[Eric (Producer)]

That's crazy. There's seven Bring It Ons and the

[Travis Chappell]

last one's a slasher movie, which I'm very excited about.

[State Farm Announcer]

How?

[Travis Chappell]

I mean, at seven movies, you just start doing stuff, you know. So anyway, all that to say. I've been watching Bring it on and that has nothing to do with anything we're talking about on the episode.

[Eric (Producer)]

They were just doing the cheers at the beginning.

[Travis Chappell]

I know, it is funny. No. One of my favorite lines in the movie, I keep saying it every day, is, this isn't a democracy, it's a chirocracy. And I've said that a couple times. I like things that have utility in day to day conversation.

[Eric (Producer)]

Yeah, that would come up often.

[Travis Chappell]

I've said it three times. I'll just be at one thing to say, bae, this isn't a cheerograph democracy, this is a chirocracy. The craziest thing, the other crazy thing is that the movies are both very progressive for their time, like 2000s and on. But also still incredibly homophobic and racist in like the way that early 2000s movies are the only.

[Eric (Producer)]

Whenever I thought when Somebody used to say bring it on. I used to think it was this other movie that was about Step Up.

[Travis Chappell]

No, I thought they were the same thing. Is that Cheyenne Tatum?

[Eric (Producer)]

That is Channing Tatum.

[Travis Chappell]

You would know.

[Eric (Producer)]

Fired up. Did you ever watch that one? It's like a cheer thing, but the two guys go to cheer camp.

[Travis Chappell]

I just added that to my watch list on letterbox.

[Eric (Producer)]

That one's actually. That was actually pretty cool.

[Travis Chappell]

Did you ever watch man of the House with Tommy Lee Jones?

[Eric (Producer)]

No.

[Travis Chappell]

Okay. Anyway, so they're very progressive, but they're also very, very racist and weird in ways, but also very not.

[Eric (Producer)]

Yeah, yeah.

[Travis Chappell]

It's like, very ill. It's very well intentioned. But, like, like, Hayden Pantiere is like, has to go to this, like, all. Basically all black high school, and she ends up dancing with them. And she's like. She's like. Like, one of the lines in the movie is like, if we add some crumping to the routine, that'll get the attention of Rihanna. And I was like, that's a crazy sentence for her to be saying in this movie. And then also, like, obviously, like, the villain of the movie is, like, very racist, but she's being so racist in front of Rihanna. And Rihanna's like, you lose the competition. Some of the best artists are from the ghetto. And I was like, yeah, sister. And then the first movie is like, one of the cheerleaders is gay, and the movie doesn't frown on that. But then the characters also, like, drop the f. Slur. And she's like, so you're saying you speak? She's like, you speak and then says the word. And he's like, oh, fluently. But it's like he says it as like, yeah, I am. It was very weird, but I was like. I was like, so, so close. We're so close here.

[Eric (Producer)]

I love that we're still talking about this even though it has nothing to do with it.

[Travis Chappell]

So anyway, so I want to talk about the financial success of the Bring it on franchise. You know what, Travis? You wouldn't, like, bring it on. You wouldn't, like, bring it on.

[Eric (Producer)]

You're right.

[Travis Chappell]

You know why you wouldn't, like, bring it On? Because you're a boomer. And you know who doesn't care for boomers? Caleb Hammer. And he talked about it on the Joe Rogan Experience. And so we're gonna watch the clip, and if that's not the best segue I've ever done in the history of the show, I don't know what is.

[Eric (Producer)]

That's some ninja segue work. Well, let's hear it then.

[Travis Chappell]

Okay, I am going to.

[Eric (Producer)]

Fine.

[Travis Chappell]

Okay, let me pull it up. About time, young Jamie. Pull that up.

[Eric (Producer)]

I wish you would pull that up.

[Travis Chappell]

Jamie.

[Eric (Producer)]

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[Travis Chappell]

Jamie's busy. He's watching Bring it On. Okay, you know what? I don't like how and honestly the okay. But I will say honestly, can I give your honest feedback on this? You should watch the first Bring it on because it is really good.

[Eric (Producer)]

But I don't want to do that.

[Travis Chappell]

It's really good.

[Eric (Producer)]

Jackie would watch it.

[Travis Chappell]

Okay, then watch it with her.

[Eric (Producer)]

She'll watch it and then I'll watch something else.

[Travis Chappell]

The first Bring it On is really good. I'm being serious.

[Eric (Producer)]

I'm glad we got that out of the way.

[Travis Chappell]

Okay. All right, here. I'm gonna go back here a little bit, but you don't need to watch 2 and then 3. If you loved the first bring it on like I did the first bring it on. I gave 4 stars on Letterboxd. 4 stars. I watched the Great Escape, the classic movie with Steve McQueen. That was a three and a half for me.

[Eric (Producer)]

Wow.

[Travis Chappell]

And I felt guilty back to back seeing those ratings in my letterbox. I wanted to just move on. But Bring it on is a solid 4 out of 5.

[Eric (Producer)]

Wow.

[Travis Chappell]

Bring it on again is a half star. I gave it a half star. It's a terrible movie. One of the worst drop offs from the first movie to a sequel ever. The third movie is a solid three and a half. It doesn't quite capture the magic of the first, but it's really fun it's really good. Okay.

[State Farm Announcer]

Oh, my God.

[Travis Chappell]

Okay.

[Eric (Producer)]

Thank you. Yeah.

[Travis Chappell]

Anyway, so Caleb Hammer was on the Joe Rogan Experience. I wish I had something to talk about bringing on. Okay, so here's him talking about Boomers, which you like. You. Here you go. You ready?

[Eric (Producer)]

No, no.

[Travis Chappell]

We've got 10 minutes.

[Eric (Producer)]

Why don't we keep talking about bring it on for a few more minutes?

[Travis Chappell]

The thing is, I could.

[Eric (Producer)]

I know you could.

[Travis Chappell]

Because I really enjoyed. Yeah, yeah, I really enjoyed.

[Eric (Producer)]

I was just kidding.

[Travis Chappell]

The first.

[Eric (Producer)]

Let's not do that.

[Travis Chappell]

And it does make sense. The thing is, what's crazy is Kirsten Dunst did the first movie and then the next year did Spider Man. So it's clear why they didn't bring her back for the sequel. But the sequels in college, they could have had a natural progression of Kirsten Dunst, Eliza Dushku and Gabrielle Union going to their college years.

[Eric (Producer)]

Totally.

[Travis Chappell]

But they had to recap and it just feels like a bummer.

[Eric (Producer)]

I wish.

[Travis Chappell]

But I'm glad we had Spider man, right?

[Eric (Producer)]

I wish. Right.

[Travis Chappell]

All right. Anyway, here's Caleb Hammer talking here.

[Caleb Hammer]

That's right now because, I mean, it makes sense. You get out of college, you want to get an apartment. So the student loan, a public student loan is actually a 10 year payment. That's the standard. It's a 10 year payment. You'll be done in 10, but people stretch it to 20 years. The repayment assistance under trump the wrap plan. That can be.

[Travis Chappell]

That's how Hayden Pantier helped the school is they added a rap plan they didn't actually wrap. They did do some crumping, though. I'll show you a scene later.

[Caleb Hammer]

Percent of your income on a monthly basis that'll never be paid off now. Those people will have it forever.

[Eric (Producer)]

Forever.

[Caleb Hammer]

It'll be forgiven and force it says, we'll see. Because you know, it's new. Well, when people are doing that, they're going to have it forever. It's going to balloon and then they're going to complain about it. When they chose not to just take the standard 10 year plan.

[Travis Chappell]

I saw an article about people with Social Security. So they're, they're retired and their money, their Social Security money is getting docked.

[State Farm Announcer]

Docked.

[Travis Chappell]

It's getting docked because they're taking money out of that to pay for your student loans.

[Caleb Hammer]

Yeah. I mean, that obviously didn't work out

[Travis Chappell]

for you because you're literally in debt from that student loan while you're retired from life.

[Caleb Hammer]

Yeah.

[Travis Chappell]

Which is wild.

[Caleb Hammer]

It is. But I'll be candid. I'M starting to not have sympathy for the boomers.

[Travis Chappell]

Does that hurt you? Does that cut you deep? He doesn't have sympathy for people like you.

[Eric (Producer)]

Yeah. For the audience's clarification here, I'm not a boomer.

[Travis Chappell]

You're the oldest boomer.

[Eric (Producer)]

Eric and I are two and a half years apart.

[Travis Chappell]

Listen up, candy ass. You're a boomer.

[Eric (Producer)]

We're like this.

[Travis Chappell]

That's a crazy thing. For that people call people back in the day candy ass. Because first of all, that sounds great. If I had a can, I'll push

[Eric (Producer)]

back on that a little bit. Yeah.

[Travis Chappell]

Hey, guys, it's me, old candy ass. I don't know.

[Eric (Producer)]

Okay. I could see that.

[Travis Chappell]

I don't know. It just feels like we should reclaim that.

[Eric (Producer)]

Yeah, totally.

[Travis Chappell]

Phrase.

[Eric (Producer)]

Yeah. You sound like a boomer now.

[Travis Chappell]

Okay. You can't say anything anymore anyway. Here we go.

[Caleb Hammer]

Probably not really. Best job market ever. Best stock market in the history of the world. Every single boomer, Gen X, whatever that's been on my show. They lived it up and spent all their money to live the lifestyle they wanted. And they didn't even set 10% aside a month. 10% aside. They had the best housing market, college jobs. They were set up for everything. If they just put 5 to 10% a month aside in the stock market that they had, that they had, they would be. They would be multimillionaires. Most of them would be multimillionaires. But instead we're in a situation where I want a new BMW. Yeah. Can't pay their student loans. Social Security, 2033. That's when the funds dry. So payments get cut by 25%. Yeah.

[Travis Chappell]

2033 is when the funds dry up for Social Security.

[Caleb Hammer]

Yeah. The actual fund that's sitting there so every dollar goes out is money that's coming in.

[Travis Chappell]

So what do you think of. Of Caleb Hammer saying, I have no sympathy for these lazy, good for nothing boomers. What do you think about that? I mean, what a monster, right?

[Eric (Producer)]

I. I mean, I have sympathy for anybody who's in a bad situation, but I.

[Travis Chappell]

And that's why. And that's why you've had George Camel on the show and not this guy going out there spouting off.

[Eric (Producer)]

Well, no, I would, I would have Caleb.

[Travis Chappell]

You don't want to talk to Caleb Hammer. You don't even want to give him the time of day?

[Eric (Producer)]

No.

[Travis Chappell]

You and George Camel know we don'. Eat that garbage.

[Eric (Producer)]

No, to clarify, I would, I would definitely have him on the show. I think he does good work.

[Travis Chappell]

Would You. When he comes on the show, can you say, it's Hammer time?

[Eric (Producer)]

I suppose.

[Travis Chappell]

Or the title episode could be Travis Chappell gets hammered by Caleb just so

[Eric (Producer)]

you can say that one line.

[Travis Chappell]

That would be fun if. Almost like the key and Peel Anger Translator. If you could bring me to interviews and I could ask, like, the questions that would make someone walk off. Like, you just, like, get out of here.

[Eric (Producer)]

Yeah, yeah.

[Travis Chappell]

But then if they answer, it's great.

[Eric (Producer)]

Sure.

[Travis Chappell]

Like, I could be like, it's.

[Eric (Producer)]

I can get. I can get mad at you for asking.

[Travis Chappell]

Yeah, yeah, yeah, yeah, yeah. So, like, Caleb Hammer comes on and go like, it's Hammer time. He's like, shut up, dude. And he'd be like, I don't know why I did that.

[Eric (Producer)]

Pile on with him.

[Travis Chappell]

Yeah, yeah, yeah. Or if I say, travis, you ready to get hammered by the Caleb, I'm the wrestler from Spider Man 1 full circle. That's called the callback. That's how you do it in the biz. I don't know what biz, but I

[Eric (Producer)]

don't know what biz.

[Travis Chappell]

Anyway, so what do you think about that?

[Eric (Producer)]

But I do tend to agree with the idea that especially now, things are still even set up to this day for that generation. And again, it was what I appreciate about what Scott Galloway talks about all the time. He's basically saying that these are all the people who are in Congress, all the lawmakers are in this generation, and it's basically them moving money away from younger generations to increase the wealth of the older generations.

[Travis Chappell]

Can I say.

[Eric (Producer)]

And then blame the younger generation and say, like, oh, you're just lazy or ineffective or you're not a man or whatever. And it's just like, yeah, it's really easy to point the finger when you're in this cushy, cushy position that, like, Caleb was saying. A lot of those things are accurate.

[Travis Chappell]

Yeah.

[Eric (Producer)]

You know, best housing market, best job

[Travis Chappell]

market, and you squandered your opportunities.

[Eric (Producer)]

Yeah. But to be fair, there's going to be a bunch of millennials who are also in that position.

[Travis Chappell]

Yeah.

[Eric (Producer)]

Like, it's human nature to squander.

[Travis Chappell]

Can I, Can I say something?

[Eric (Producer)]

Sure.

[Travis Chappell]

Permission to speak freely, sir?

[Eric (Producer)]

As long as it's not about, bring it on, don't do it. Don't think about a way to wrap it into it.

[Travis Chappell]

Just say, I wasn't going to. But my favorite. More favorite meme. My favorite meme format is when someone shows, like, a really old person and they go, like, get them into Congress quick. That's My favorite joke ever. It's kind of like in. Bring it On. I'm just kidding. Honestly. Great movie. But anyway, so go ahead, continue with what you're saying.

[Eric (Producer)]

But I. Yeah, so I tend to agree with that to a certain extent just because of that. I just hate the finger pointing and the blaming in the. Every generation. Every generation does it. Every generation's worried about the next generation and, like, they're not going to be able to figure it out and the world is going to end with them and they're just lazy and entitled and don't. It's just like, okay, well, again, my thing is that all of these are nuanced conversations. Two things can be true.

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[Eric (Producer)]

And you just were. Whatever generation you're in, you just have to take advantage of whatever opportunities are afforded to you. What's that?

[Travis Chappell]

Whose complaints do you think are more valid? And you have to pick one. Like, whose complaining annoys you more? Okay. And you have to pick one. No, no, no. Wait, don't answer yet. Who's complaining annoys you more? Boomers complaining about young people or young people complaining about boomers?

[Eric (Producer)]

Boomers complaining about young people.

[Travis Chappell]

It's nice that you speak out against your own people. Even when it's hard, you know that you speak the truth. Even when.

[Eric (Producer)]

But I'm not a boomer. Well, I don't like that you do this because you have more characteristics of a boomer than I do.

[Travis Chappell]

Oh, my shirt.

[Eric (Producer)]

Oh, all of your movie watches.

[Travis Chappell]

Because I'm watching seven episodes. Seven movie. Bringing on movies.

[Eric (Producer)]

I bought a DVD collector from, like, 1933.

[Travis Chappell]

Buster Keaton's one of the greatest directors.

[Eric (Producer)]

That's what I'm saying. You're way more boomer coated than that. Anyway, it does annoy me more when. But also, that could just be because I'm a millennial and I'm in the crowd that they're complaining about. But I Also just don't see any of the characteristics that they claim.

[Travis Chappell]

Yeah.

[Eric (Producer)]

Like, all the people that I know.

[Travis Chappell]

Well, it's like when people go. Like when boomers. When they go, like, millennials are lazy.

[Eric (Producer)]

Yeah.

[Travis Chappell]

And I'm like, no.

[Eric (Producer)]

Which ones Grinding.

[Travis Chappell]

They're grinding hard.

[Eric (Producer)]

Yeah. And it's frustrating when they are not willing to concede the things that were good because again, they'll look at the opportunities that we have, which is fair, and say, you know, if. If I had the Internet when I was your age, or if I had social media or if I had, you know, Amazon dropshipping opportunities, whatever, like, I would have been this and that and whatever else. And I think that some of that is valid. I think also that the people who are saying that are still the people who would not take advantage of it if they were in this generation because they didn't take advantage of the opportunities that they were given in their generation. So what makes them think they'd be any different? Just because they were born at a different time. But, yeah, so that rhetoric I grow tired of because some of them just refuse to recognize the differences in the economy now versus when they were our age. And so if you're going to talk out of your ass about laziness and all this other cliches about the next generation and then not be willing to concede the things that are objectively more difficult and maybe more frustrating, then your. Your opinion is invalidated to me.

[Caleb Hammer]

Yeah.

[Travis Chappell]

I wanted to show you. Have you seen that clip from Boy Meets World where they're talking about buying a house?

[Eric (Producer)]

I mean, I've seen all of Boy Meets World, so I've never. Topanga was a childhood crush.

[Travis Chappell]

I'd never. Did you watch James from the Stars last season?

[Eric (Producer)]

No.

[Travis Chappell]

It reminded me a lot of the routines in Bring it on. Actually, I'm just kidding. Anyway, our future, okay?

[Caleb Hammer]

Two bedrooms, two bathrooms, a kitchen, and

[State Farm Announcer]

some kind of nook. Why would you take. Why would you take us to this house, which we can never afford, if we could afford it?

[Travis Chappell]

Do you like it?

[State Farm Announcer]

We can't afford it.

[Caleb Hammer]

Don't do that, okay.

[Travis Chappell]

Because you're becoming like, this is 1999.

[State Farm Announcer]

Corey. It is just cruel to take a person who is this close to losing it, this close, and taunt her with this cute little adorable house which she'll never, ever live in.

[Caleb Hammer]

So you like the house?

[State Farm Announcer]

I love this house. Why would you do this to me? You must be my happy, happy newlyweds. Are you the real estate agent? Why, yes, I am. Wee. Edith Stevens. At your service. How much do you love this breathtaking starter cottage with Nook? I'm reporting you to the Better Business Bureau immediately. Why, whatever for? My dear, this man is a dope. You know that. After three minutes of talking with him, and then you led him to believe we could afford this house when the truth is he can barely afford a sandwich. My dear Mrs. Matthews, it is my joy to place young couples in cozy surroundings such as these. And like most other couples, you think I can't afford it.

[Eric (Producer)]

But you accurate depiction of a real

[Travis Chappell]

estate agent, an $80,000 house over 30 years.

[State Farm Announcer]

I've already explained it to your husband. I told you not to talk to him.

[Travis Chappell]

She could talk to me.

[State Farm Announcer]

Yeah, I can talk to him. Remember, just a trifle down pay and a pittance of a mortgage and two living parents with a pen who can sign.

[Caleb Hammer]

You guys are gonna be.

[Eric (Producer)]

How can we afford $60,000?

[Travis Chappell]

There was a. There was a. I thought it was in that clip, but there was basically like, the down payment was like $1,500.

[Eric (Producer)]

Yeah.

[Travis Chappell]

And then maybe it was later in that clip, but it was like 1500 bucks and it was like an $80,000 mortgage.

[Eric (Producer)]

Yeah.

[Travis Chappell]

And I was like, how can we afford this? And that's 1999.

[Eric (Producer)]

It is strange that houses have just gotten bigger and bigger and bigger.

[Travis Chappell]

Yeah, that is weird.

[Eric (Producer)]

Starter homes used to be that two bedroom, two bathrooms, you know, 1200 square feet. And now it's like.

[Travis Chappell]

Now it's a 1200 square foot bathroom, half bath and.

[Eric (Producer)]

Yeah. And it's 3600ft.

[Travis Chappell]

Well, and then now why is this.

[Eric (Producer)]

We don't need all of this.

[Travis Chappell]

Yeah. We just need each other and that's enough.

[Eric (Producer)]

And a payment that you can afford.

[Travis Chappell]

And a payment that you can afford.

[Eric (Producer)]

Yeah, actually afford.

[Travis Chappell]

Actually afford.

[Eric (Producer)]

Anyway, yeah, that's it for this episode where we're talking about bring it on and everything in between.

[Travis Chappell]

Hey, all or nothing.

[Eric (Producer)]

Anyway, that's it for this episode. Remember, money only solves your money problems, but it's easier to solve the rest of your problems. Money in the bank. So let's start there here on the Travis Makes Money podcast. Thanks for tuning in. Catch you guys next time. Peace.

[Travis Chappell]

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