CO-HOST | Make Money by Paying Rent Smarter (Not Harder)

Summary

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Podcast Summary: Travis Makes Money

Episode: CO-HOST | Make Money by Paying Rent Smarter (Not Harder)

Date: March 6, 2026
Host: Travis Chappell
Guest/Co-Host: (Producer, not named in transcript)

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Main Theme & Purpose

This episode focuses on unconventional, practical approaches to personal finance with a spotlight on renting strategies. The hosts specifically discuss new fintech solutions that enable renters to split their rent payments into biweekly installments, without added interest or late fees. The discussion expands into the broader context of rental affordability, lifestyle upgrades, and how tech is changing the way everyday expenses like rent are managed. The overall tone is humorous, honest, and conversational, staying true to the show’s mission: empowering listeners to make smarter money moves to enhance everyday life—without sacrifice or billionaire ambitions.

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Key Discussion Points & Insights

1. The New “Buy Now, Pay Later” for Rent

• Introduction to Payment-Splitting Tools

  • Recent headline: Renters may soon use “buy now, pay later” systems for rent via fintech collaborations (Affirm and Esusu).
  • [03:15] "Affirm is teaming up with fintech company Esusu...to test a new rent payment feature that lets eligible renters break their monthly rent into 2/2 weekly payments with no interest or late fees." – Co-Host
  • No interest or penalties, just cash flow flexibility for renters.
  • Services like rent reporting to credit bureaus are built-in, promoting credit building.

• Discussion on Payment Cycles

  • Hosts explore how paying rent biweekly could relieve monthly financial pressure, especially for those paid biweekly.
  • [04:59] "It felt nicer than being like, here's a big fat sum." – Co-Host

2. Personal Experiences With Flexible Rent Payments

• Co-host shares a confession about previously using such a biweekly system, finding it helped with cash flow.
• Travis affirms this is one of the few “buy now, pay later” options he supports.
• Honest reflection on days of struggling to meet rent on time and the advantage of splitting up payments.

3. Rental Market Nostalgia & Price Surge

• Conversation about past rent experiences and how much rents have increased, especially in Southern California and Las Vegas.

• Nostalgic comparisons between $600-$900 apartments of the past and current rates ($1600–$2000+).

• [06:58] "Honestly, it's… one of those things. It's the way life is. Right. Because you climb up tiers." – Co-Host

• Reality check on lifestyle upgrades and how expectations change as incomes and families grow.

4. Entrepreneurship & Fintech Disruption in Rent Payments

• Positive review of the Bilt Rewards platform, which streamlines rent payments and offers points.
• Travis shares admiration for Bilt’s founder and the entrepreneurial innovation of turning a “rent payments for points” idea into a massive business after lobbying for regulatory changes.
• [14:22] "It's the foundational principles of entrepreneurship: solve a massive problem and you can get paid really well to solve that problem." – Travis

5. Bigger Picture: Rental Market Trends & Financial Strategies

• Citing BLS data, they note rents continue to rise and more people spend over 30% of their income on housing.
• Candidly discuss the difficulty (and near impossibility) of remaining under traditional “housing cost ratio” recommendations in many markets.
• Briefly touch on real estate investment regrets: Travis reflects on past properties sold too soon, missing out on today’s rental incomes due to underestimating rent growth.

6. Final Thoughts: Should You Pay for Flexibility?

• Acknowledgement that some services (like Esusu’s premium packages) charge monthly fees ($35–$50) for payment splitting and credit-building benefits.

• Travis advises that whether paying for these services is worth it depends on personal cash flow cycles and financial discipline.

• [32:24] "My overall thought: set up systems that make it easier for you to accomplish your goals, rather than trying to accomplish your goals in the difficulty of the systems you already have in place." – Travis

• Caveat: Splitting payments doesn't solve underlying affordability issues if monthly rent still exceeds your means.

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Notable Quotes & Memorable Moments

• On payment flexibility:

  "I feel like that is probably the only buy-now, pay-later option that I’m on board with."
  — Travis [05:20]

• On expectations & lifestyle inflation:

  "It's the way life is. Right. Because you climb up tiers."
  — Co-Host [07:02]

• Bilt platform shoutout:

  "If you can make paying rent fun… Gamification of rent payments, like yeah, bruh."
  — Co-Host [16:24]

• Entrepreneurship insight:

  "Solve a massive problem and you can get paid really well to solve that problem."
  — Travis [14:22]

• Cautionary humor about financial advice:

  "You guys heard it here first from Travis Chappell, your licensed financial advisor. No, no, no, you're totally unlicensed financial advisor. Split up all your payments with buy now, pay later options. There are no consequences. It's just a good time."
  — Co-Host [33:07]

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Timestamps for Key Segments

• [03:15] – Introduction to Affirm & Esusu rent splitting
• [04:59] – Personal confession about using biweekly rent payments
• [07:02] – Discussion of how lifestyle and rent expectations change
• [14:22] – Lessons from Bilt’s founder on fintech entrepreneurship
• [19:14] – US rent growth data and cost-burdened renters
• [32:24] – Should you pay for flexible rent payment systems?
• [33:07] – Satirical “advice” on buy now, pay later

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Tone & Style

Casual, witty, and grounded in real-life experience. The hosts blend personal stories with practical money advice, a dash of skepticism toward financial fads, and a healthy respect for incremental, sometimes unconventional strategies that work for real people—not just high rollers or savers.

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Conclusion

The episode delivers a nuanced take on how payment flexibility tools can help renters manage cash flow and build credit, especially as rents soar. However, the hosts caution that splitting payments doesn’t fix larger affordability issues. With real stories, fintech tips, and laughs, the show reaffirms its commitment to helping everyday listeners make smarter, more enjoyable money moves—without sacrificing quality of life.

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Transcript

[A]

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[B]

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 our mission to help you make more money. Today on the show, my producers in studio. What's up, man? That was really good. That's all I've been really hoping for. Honestly. It's only taken like 90 episodes of recording together for you to finally do that.

[C]

That's why I was so winded after I played basketball at the park today with my daughter. Is every shot I made with a child. Saw basketball. It's hard. Can I ask you this? You're a basketball pro. I mean, you're fanatic basketball. Anyway, you like basketball. Do you feel like it's harder shooting with a little ball? Yes, because I was like, I'm not good at basketball. Spoiler alert. But I feel like I'm better with the regular. I feel like the little one, it just spins around and shoots out.

[B]

The problem. It's basically whatever you, whatever, whatever balls you're comfortable with is the ball. You're going to see more success.

[C]

I've never seen a ball. I'm not comfortable.

[B]

You know, I believe that. Yeah, I believe that about you.

[C]

We're talking only about basketball. Yeah. Just to be clear.

[B]

Of course. Is there another thing on the table?

[C]

Nope.

[B]

Okay.

[C]

But anyway, so, yeah, so I, I, because I kept shooting, I was like, what? I'm not this bad. But yeah, every time I lost my daughter, she made. I said, we're staying here till you make fine baskets. She's never, she's like tried to shoot with like an adult size one, which is not fair because it Only goes like six feet off the ground, but. But she made like five or six baskets, like pretty quickly. Good for her. So get her in basketball better than you. Well, you know, they call it pickup.

[B]

Anyway, I'm not that confident my basketball skills, but I'm pretty confident I could beat your daughter.

[C]

I'm pretty confident that she would kick your ass. Well, let's schedule it Anyway, so today we're going to be talking about renting. Oh, you can see my notes. I don't like when you can see my notes.

[B]

Why not?

[C]

Because then it gives it away. So here's a little headline I came across the other day. You may soon be able to use a buy now, pay later plan for your rent.

[B]

Okay, Say more.

[C]

In. In.

[B]

Am I in?

[C]

Are you in?

[B]

Well, no, because I don't know all the details. What is that? Like, how would that even. Isn't rent by definition like a buy now, pay later thing? You already pay monthly.

[C]

Affirm is teaming up with fintech company Esusu. That sounds like the demon in the Exorcist.

[B]

That sounds like the car manufacturer.

[C]

No, it sounds like the demon in the Exorcist.

[B]

Oh.

[C]

Named Pazuzu.

[B]

Oh, that's the name of a demon?

[C]

Yeah.

[B]

That's way too playful of a name for a demon.

[C]

You should watch the exodus. It's not playful.

[B]

Okay.

[A]

Pazuzu.

[C]

It's not playful. Isuzu. To test a new rent payment feature that lets eligible renters break their monthly rent into 2/2 weekly payments with no interest or late fees.

[B]

Okay.

[C]

The pilot will be available through Isusu memberships, which range in price and offer services like rent reporting to credit bureaus to help users build credit. While the rollout date hasn't been announced, the option comes as rent remains elevated nationwide, though financial experts caution that payment splitting tools may help in short term situations, but don't address long term affordability challenges.

[B]

Well, that is correct. But this doesn't feel like that.

[C]

They're not.

[B]

If you're not paying interest, you're not paying more. It's just splitting it up into two payments. That feels almost like a better situation for the landlord.

[C]

Can I do the segment called the Confession Booth?

[B]

Sure.

[C]

Back.

[B]

You're in a perfect chair for that confession.

[C]

And my back hurts. By the way. Back a year and a half ago, they actually introduced this option where I was renting.

[B]

Okay.

[C]

And you know what?

[B]

Like, just the place did it.

[C]

Yeah, it was just. It was just. It was no fee, no anything. It was just literally like you can pay biweekly yeah. And I did it.

[B]

How did that feel? Did it feel less pressure when the rent was due?

[C]

No. Well, I mean, it didn't feel like. It just felt. It felt nicer than being like, here's a big fat sum.

[B]

You know, it can help with cash flow for sure. I mean, businesses do that all the time. Like, you break up this payment. Can we do that over six weeks?

[C]

I. I'm saying that knowing I don't know how you feel about it. Yeah. But I liked it.

[B]

I feel like that is probably the only buy now, pay later option that I'm on board with.

[C]

Because you know what I hate? What is. I hate this was the worst thing in the world. Especially when I worked back at. At a place I won't say the name of on a podcast.

[B]

A job.

[C]

I used to go work at a job. And. And I used to hate when I had like very little money coming in. And then you get paid like the fourth or fifth.

[B]

Right.

[C]

And you have to pay a fat sum at the beginning on the first. But.

[B]

Or, or you're saying like right after you get paid.

[C]

Yeah, like. Or either right after you get paid. Or, or you have to like stretch the last bit of money to get there. But it was easier because. Do you know how much my rent was in my first apartment?

[B]

Ooh, was it one bedroom?

[C]

It was a one bedroom apartment in Southern California.

[B]

I'm gonna go.

[C]

Excuse the data.

[B]

I'm gonna go with 1200.

[C]

No.

[B]

900 bucks.

[C]

No.

[B]

Okay.

[C]

What was it? No.

[B]

I give up. Am I. Am I going in the right direction? Okay. 750.

[C]

No.

[B]

650.

[C]

No, less than that. 600 bucks.

[B]

Really?

[C]

Yeah.

[B]

This was like an act. Like a full one bedroom apartment.

[C]

Yeah, yeah. With a stove and.

[B]

Wow.

[C]

Fridge and.

[B]

That's wild. And if you could.

[C]

You want to see it?

[B]

If you. Wait, hang on. I was going to say if you could live in that apartment right now, today and pay that much where you are currently. Like, if you didn't have to go back to living where you were in and if it, if it was like not a bad neighborhood, if you put it where you are now, would you live in that apartment compared to where

[C]

you live now, the way it looks? Yeah. No, really? No, not now.

[B]

I mean, 600 bucks is 600 bucks.

[C]

Honestly, it's. It's one of those things. It's the way life is. Right. Because you climb up tiers.

[B]

Yeah. Yeah.

[C]

So like, it's one of those things where.

[B]

Never going back.

[C]

I wish I could make what I make now. And Live there then.

[B]

That's my point.

[C]

With the child I had then, that was a baby that could go in a corner corner of a one bedroom room.

[B]

That's fair.

[C]

But you know, do I, do I go like, man, I have nostalgia for this place?

[B]

No, that was the best thing when, when we moved in with. With Chris, my brother in law, was that we. It was a two bedroom apartment that he had at the time and we split the rent and it was rent plus utilities for our half was like 550amonth. And it was pretty great.

[C]

I'm not going to lie, dude, it was, it was great because when I started working, I was making $12 an hour, which was good. It's crazy. That was like above minimum wage a couple years ago.

[B]

Yeah, right.

[C]

But I was making 12 bucks an hour. But then the next year, so when we renewed the lease, I had already gotten like two raises because I went to 15. Then I went to 20 bucks an hour in like six months. And so my rent was six. It went up to like 680. But I was making 20 bucks an hour. So like felt, it felt like I was. And I had side gigs that I was doing. Right. Dude, I felt like. Well, it was a period where I was traveling a lot for work and it was like even coming down filming in Vegas and stuff. It was like I would be like, hey babe, want to go to Vegas with me?

[B]

Right?

[C]

And it's like then you get a hotel like basically.

[B]

But that was also back when Vegas hotels were nothing.

[C]

That also is true. But it, but it felt like so much. But I was gonna know, but anyway, I was gonna say I do like the idea of being able to split or being able to be flexible on what day, because it does.

[B]

No, I agree with that.

[C]

Even when you're not.

[D]

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[B]

That's what I'm saying. This doesn't feel like a buy now, pay later option. This feels just.

[C]

Well, that's what they called it on cnbc. Oh, wait, on C. Their logo is very weird. Have you ever seen the CNBC logo?

[B]

Isn't it looks like an RBC logo.

[C]

No, that looks like an R. I feel like an old.

[B]

Interesting.

[C]

I feel like your age, the way I looked at that logo

[B]

and a half years apart.

[C]

It's. It's a rough two years. But anyway, no, CNBC said buy now, pay later. Let me read a little bit more and let's see if they poke any holes or.

[B]

Yes, I'd love to see if they, like. I don't, I don't. I don't know what any of the cons are because, like, what they're saying is like, buy now, pay later.

[C]

The only con is the same con that happens if you're not managing your money enough to make your rent payment one time.

[B]

Exactly, exactly. So it doesn't sound like it's increasing the total at all because it's one of those things.

[C]

Like, I read the headline. I was like, is this scary?

[B]

Oh, that does look like an R, doesn't it? That's an interesting move that literally, because

[C]

I was like, oh, it's from the reputable news source, crbc. And then be like, oh, wait, I thought it was cnbc. But that's a very weird logo. Yeah, that's just an arrow.

[B]

Didn't it used to be like the peacock?

[C]

Yeah, I'm pretty sure.

[B]

Yeah. Interesting.

[C]

Now it's going to be the Paramount logo with the HBO over it with a. Okay, so here's the article which I haven't read, actually, I just read the summary. Some renters will soon be able to pay their rent using. I think mine was through Bilt.

[B]

Really?

[C]

Bilt was doing a version of that because that's who we use for our rent payment.

[B]

To pay rent. Yeah.

[C]

Dude, I love Bilt. You interviewed the founder of Bilt.

[B]

Encore.

[C]

Jane, you don't like Bill?

[B]

No, no, it's great.

[C]

You shook your head. You're like, dude, I gotta tell you, after this.

[B]

No, that is one of my favorite stories of entrepreneurship that I've ever had on the podcast because he. I mean, he took the blueprint from his dad being a multi billionaire where like that version of entrepreneurship.

[C]

First of all, that is a great first step to have in your entrepreneurial

[B]

journey a multi billionaire founder As a

[C]

father, what did you, what did you take away from your multi billionaire dad? Well, a little seed money and some

[B]

great advice, but if I remember correctly, I don't think that he got any seed money from his dad. I think his dad sort of like, obviously it's helpful to have your dad be a multi billionaire in terms of like the network that you have, the people that you're around, the schools that you're going to.

[C]

I'm not giving you any money, but my friend might be able to help you.

[B]

Yeah. Not pretending that he wasn't starting from the 20 yard line. However, he still created, independently of his dad, a multi billion dollar company. But I thought it was just, it was such a great feat of entrepreneurship because he, it was the, it's the, it's the foundational principles of entrepreneurship which is solve a massive problem and you can get paid really well to solve that problem. And that was one thing that he noticed was like, why can't we pay rent with a credit card and get points for our, for our rent or what? And save up for homeownership because of that. And so he had to go through like years of lobbying to change legislation to get it approved. But like, talk about creating a market of one. You know what I mean? Like, there's zero competitors because it's illegal. Like it's not allowed to happen. And then you went through all. Jumped through all the hoops for several years to lobby to get this bill passed, to then be able to create this thing, to then scale it to the point like it was just, to me, one of the coolest entrepreneurship stories for a young founder. I want to say he's younger than he's. I am.

[C]

He's probably 29 or 30.

[B]

30 something. Yeah. Early 30s.

[C]

Things that make you want to jump off a ridge.

[B]

Yeah. With like a $4 billion company.

[C]

No, I know, I love, I love Bill. Shout out Bill. And I know it's, it's so much easier. Like, dude, when I first started, like renting, it was like, take this check to a scary old lady that lives in a random part of town in an envelope or something. In an envelope that you're like, I have no confirmation. You received this right? To then like these super funky apps where you have to like link your ach information and then it like disconnects randomly and then it's like the site's down for maintenance. Bilt is so great, so easy to use. Gives you great points. They're not sponsoring this episode. They're not, but they should and they do now. They do on rent day they do a quiz and you can actually win things. They have like a little quiz. Nice. And I was like, dude, this is fun.

[B]

Yeah.

[C]

And if you can make paying rent fun.

[B]

Gamification of rent payments, like yeah, bruh. I mean good for both landlord and tenant.

[C]

And then they have this thing. It's like, do you want to pay your rent or do you want to bet 50% of this on black? And you know. Just kidding.

[B]

That seems like the company that should be partnering with Buy now pay later option to make that like what, like built seems whatever this is.

[C]

I'm pretty sure Bill had a version of this even if they didn't. Great company. I know we had something.

[B]

Well, and one thing I didn't know that they. I didn't know that they did this with mortgage payments payments now as well. But I was actually shout out personal finance podcast from my buddy Andrew. He that built sponsored his episode and he was like, they now would do mortgages. And I was like, oh, I did not know that. I'm gonna have to go get a built card just to pay my mortgage.

[C]

Local benefit. It's. It's great.

[B]

It's like the biggest expense category for anybody that doesn't have a business.

[C]

And to have that report to, it's just, it's great. Shout out Bill. We love Bill and Watch. I'm gonna be wrong. They weren't the ones that did it, whoever it was right before them. But either way, all of the buy now, pay later splitting, whatever. Built still great. Love Built. So easy. Thank you.

[B]

Thank you.

[C]

Easy breakdowns, easy to look at. We love it. Anyway, here's the article I'm trying not to get clickbaited by. They have some great headlines here on cnbc, CRBC or cr, whatever you are. Some renters will soon be able to pay their rent using a Buy now. I already read this. Yeah.

[B]

Rent and two equal BI weekly payments with 0% interest and no late fees. Yeah, that does not seem like Buy now pay later.

[C]

Not bad. Yeah. Affirmal partner with fintech company Isusu to provide renters with a flexible option for managing one of their largest monthly expenses. That's what you just said. An Affirm spokesperson said in a statement provided to CNBC. Make it ISUSU offers membership starting at $10 a month for services to help users build credit, including reporting rent payments to credit agencies. Eligible renters will be able to use a firm through isusu. That's such fun thing to say. To pay their rent at 2/2 biweekly payments with zero interest and no late fees. The spokesperson said. Companies have yet announced a launch date. They recently launched Split Play option already. The duh, Sorry, literacy thing. Isusu, it's. It's like a Swiss thing. I'm speaking Swedish. Isusu's recently launched Split pay option already allows. It allows its plus and Premium membership subscribers to break up rent payments throughout the month after an initial down payment, according to its website. The partnership with a firm will give Isusu members another option to split their rent into two payments plus and Premium memberships, which cost $35 and $50 a month respectively, are only available to residents at Isusu. Partnered properties. That's the other smart thing is you're just partnering with giant properties so you sell one property. The amount of stuff you're getting from all these individuals buying a subscription through the property is great.

[B]

Yeah. That's crazy. Nationally, rents in the US were up about 3% in December 2025 compared to the previous year, according to the Bureau of Labor Statistics data. And nearly half of all renters spent more recommended 30% of their income on housing costs in 2023. That's pretty wild.

[C]

I mean, it. But it's.

[B]

It's almost impossible to avoid.

[D]

Yeah.

[C]

Yeah. It's kind of one of the things where you're like. It's like, okay, you have to be making at least 30. It's like, where am I gonna live?

[B]

Right? Exactly.

[C]

Like, the options are so crazy. You're living in that. I'd have to go live in that dumpy right?

[B]

Apartment. Yeah. Except for that. It's not 600 bucks a month anymore, right? It's 1800 or whatever.

[C]

I think there's still. Let's look.

[B]

I bet. I bet you anything it's double.

[C]

Keep. Keep talking.

[B]

I bet you anything it's double.

[C]

I don't even want to show you where I used to live. You'll be scared. Yeah. This was.

[B]

This was actually one of my miscalculations in terms of deciding whether or not I was going to keep a couple of the houses that we bought a few years ago was that I was looking at, you know, what are the market rents and what's our mortgage? Oh, our mortgage is barely being covered by market rents. We need to, you know, sell this property because we're not able to make our.

[C]

Our.

[B]

Our monthly mortgage easily. And if any unexpected expenses come up, we're gonna have to come out of pocket for those. Let's just sell them. And the one thing that I foolishly forgot to account for is that rental rates are always going to continue to increase. But you get a mortgage, your mortgage gets locked in at whatever. Obviously, as long as you lock in a, a particular interest rate and don't have a variable interest rate. But you lock in that, that mortgage payment and it gives you some sort of predictability. It was, it almost reminded me of like my solar pitch back in the day, which was like, you know, you're gonna have to pay your utility bill regardless, so you may as well pay the solar bill because at least you know what that's going to be. And your utility company can raise your rates whenever they want. So let's, let's lock in your predictability. You know what I mean? And it's sort of the same thing now when I'm looking at like rentals and stuff. It's like, okay, well if we would have kept that house, our rent would be like 25% or 30% greater than it was when I sold the property seven years ago. And it would have ended up just fine and we'd have all the additional equity, plus we'd have the cash flow. So not to beat myself up too much about this, but yeah, that was one of the things that I was annoyed by. This episode of the show is brought to you by Chime. Chime is changing the way people bank. It's fee free and smarter banking built just for you. Not like old school banks that charge you overdraft fees and monthly fees and the like. It's built for you, not the 1%. 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 2 days early with direct deposit. Some old banks still don't do this. So forget overdraft fees, minimum balance fees, monthly fees, all that stuff. Chime turns everyday spending into real rewards and progress. Plus they have the new Chime card, the new way to build credit history with your own money and get rewarded every single day. So what that means is it is a credit card that is backed by your own money and not only. And it helps you build credit, which is something that's been around for a while, but you also get to earn rewards on that, which has not been something that has happened. And now Chime is here to bring that to you. And with qualifying direct deposits, you get 1.5% cash back on eligible Chime card purchases. I know my younger self would have benefited from a banking option like this just because it's so much more nimble and much, much easier. Chime is not Smarter Banking it is the most rewarding way to bank. Join the millions who are already banking fee free today. It just takes a few minutes to get signed up, so head over to chime.com travis that's chime.com travis Chime is

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that I put out there?

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[C]

I can't find. It's such high quality property. I can't even find estimated.

[B]

They're just all. They're just all rented.

[C]

Probably they were. I mean, it was only like 1, 2. It was like 8. So 24 or 8 times 3 is 24.

[B]

That's correct.

[C]

See, I should have said it with confidence, but that's pretty much all it was. If you.

[B]

But what says right there. Oh, wait, that's explore similar rentals. But that says 1900 for a one bedroom.

[C]

Yeah, but I don't think this is anywhere close. I'm telling you, dude, I'm telling you. Look, I'll show you my exact apartment. There's no way. What are we doing? What are we doing right now?

[B]

We're looking for.

[C]

Oh, oh. Currently not for sale. Rent zestimate is $2,000 a month. 1600 bucks.

[B]

1658.

[C]

That can't be right. I don't believe it.

[B]

I'm telling you.

[C]

No, it's not right.

[B]

It's at least double what you were

[C]

paying back in my day. This is my exact apartment because when

[B]

we first moved to Vegas, which was 2018, we got a.

[C]

This is my exact apartment. Just so you know. Right there.

[B]

Well, I've been to your new apartment and it's awesome.

[C]

It looks like this.

[B]

You feel the same when I walk. When I walked into set that SD card on your counter, I was like, this is a nice spot.

[C]

I like.

[B]

I like these apartments.

[C]

That's so.

[B]

I was like, jackie, we should move to an apartment.

[C]

That's so. That's what's so crazy. The sign's the same. That's what's so crazy is that I just assumed you walked in and went, so this is how the peasants live. They live in this nice apartment. They live in this. In a nice part of town little apartment.

[B]

You have the ability to walk where you like, go get dinner, go get food, go get whatever just by walking. I don't really have that option, dude. I mean, I do. It's just I have to walk a lot, a lot farther.

[C]

Technically, everyone has the option to walk. Walk anywhere. No, it's. Dude, it's amazing. The. The other night, without saying where I live, which I shouldn't do. Because people would like to know. No, the, the other day I was literally just like kind of just bored. So I just started walking and, and then I was like, I have a little cigar. So I just lit a cigar. I walked through all these little shopping areas. I walked through this casino. I went and sat for a minute out by this like resort style outdoor area. And I walked back and I sat down in this pizza place. I was like, I have some meatballs, drink some wine. You know, just like total. But I could have walked the other way, which I didn't. I went for wine and meatballs. But I have like the sports park right there.

[B]

Yeah.

[C]

So I got, you know, it's just, it's, it's really nice.

[B]

I liked it a lot.

[C]

This place. I'll show you really quick on the map, just so you know, like the similar style of place. So these are where I used to live. And then I would, you know, I would never actually walk down this road because it was scary. I would drive, I would drive down this road with the windows rolled up. But the shopping bag liquor market was right here. And you could go in there and get like drinks.

[B]

That looks like a great place to blow off some steam.

[C]

You know, like if we need it. If you needed a gallon of milk. This is kind of Lancaster Co today.

[B]

Oh yeah.

[C]

But it, but honestly, when we first moved in again, it's. Life is how life is. And when we first moved in, it was all old people that lived there. It was super quiet, peaceful. It was a, it was great memories there. The first year, the second year, someone broke in through the window, crawled over our beds, stole a bunch of stuff and pawned our tv. But the first year was a really special time.

[B]

That's, that's not a big deal.

[C]

But dude, I moved from that to, to where we are now. When we got off the freeway, I literally told my wife. I was like, is this the right place? I was like, this is not our zip code. I don't think this is it.

[B]

Okay. So I just pulled up the place that we moved to when we airdrop it to when we first moved to Vegas.

[C]

Let's see. This is great for audio audiences. Yeah, imagine so for mine, imagine a.

[B]

Imagine Breaking Bad.

[C]

It's not that bad. It's not that bad, is it?

[B]

That's the vibe though, like desert town.

[C]

You know what, dude, I'm speaking from

[B]

somebody where I came from Lake La, bro.

[C]

Look at that. Yeah, it's not that bad.

[B]

Okay, but the place you were just showing Me was.

[C]

I'll show. This is what.

[B]

Okay, like the liquor store you just

[C]

showed me down the street. Perfect.

[B]

I just shot you. That the Zillow link.

[C]

So describe your Lancaster property or your Vegas.

[B]

Yeah, so this is. This is a. I. I texted to you. Oh, this is a three bedroom, four bathroom home. 3, 600 square feet in Southern Highlands, which, if you're not from Vegas, this is a nice part of town.

[C]

There's a. Whoa, buddy.

[B]

Yeah. So this is the place that we rented when we first moved here.

[C]

$4,838 a month rent.

[B]

Zestimate now.

[C]

What was it then?

[B]

Guess what we paid then.

[C]

So this is a million dollar home now. Yep, you were. The rent estimate now is $4,838 a month. I'm gonna guess. Let me scroll down where they tell you what it used to be. I'm gonna guess you spent $2,000 a month.

[B]

Not quite. But 19 headed in the right direction or higher. No, it's higher. 2,600amonth.

[C]

Damn, boy.

[B]

2600amonth for this place. With. For Vegas. It's a like pretty good lot size.

[C]

I should be getting a lot more.

[B]

That. That was my point is like, I know that. I know, like, the apartments that you like in your apartment complex are basically about that. And it was like I was. I was looking at this and I was just like, oh my God. I did not realize how good of a deal this was. Yeah, it's like we have this like 12, 000 square foot lot with a pool in a nice part of town. 3, 600 square foot home. We paid like 2, 600 bucks for it. And now the rentals estimate is almost 5k for the same house.

[C]

I'd love how much. How I'm gonna. I'm gonna call me. Like, how much can I split that payment up? Yeah, like it, like maybe if we split this over a year. I'm just kidding. No, but I will say the only difference is. And I. I said it out loud and I was like, I know they heard me, but I remember one time I was talking to Tara and I said. I said, our location is so great. I would pay more than what we're paying now.

[B]

And then you got a.

[C]

And then I got a text. Immediately heard shuffling walking by the door. He said he'll pay more. It's. It's. It's. The evil queen from Little Mermaid is my landlord. Oh, you went to. It cost you your voice. I don't know who that is. I don't even think that's Ursula. Ursula.

[B]

Ursula is the name.

[C]

That is the name is the game. So anyway. So you don't have any issue with people splitting their rent?

[B]

No, I don't. Because like you said, it's not like, like, it's not like they're.

[C]

Yeah, I thought about.

[B]

It's not like this is what makes it unaffordable.

[C]

Because really there's no diff. There's. Yeah.

[B]

If it's zero interest and no penalties, then sure, yeah, just pay it however you can pay it.

[C]

I don't know if it's worth paying. I mean, maybe it is. It depends how you get paid. But I was gonna say I can't imagine being worth paying 50 bucks to be able to do that.

[B]

Yeah, I guess it sort of depends on the situation. But I guess my, my, my overall thought of it is basically like set up systems that make it easier for you to accomplish your goals rather than trying to accomplish your goals in the, in the, you know, difficulty of the systems that you already have in place. So, like, if you, if this system makes more sense for you to be able to conserve the money that you're spending every month and know that you're

[C]

going to be a little cushion or whatever. Yeah.

[B]

Then sure, split it up. You know what I mean? Or if it makes more sense to you, if you get paid bi weekly, maybe you should pay your rent bi weekly. But if you get paid once a month, maybe you should pay it all right when that payment comes out. Because that's sort of the only danger is like if you, if you're like, oh, it feels better to have this split up into two payments, but you

[C]

got paid once a month sitting in the account.

[B]

Exactly.

[C]

Well, you guys heard it here first from Travis Chappell, your licensed financial advisor. No, no, no, you're totally unlicensed financial advisor. Split up all your payments with buy now, pay later options. There are no consequences. It's just a good time. Travis, go ahead and close us out on today's episode.

[B]

Yeah. If you're listening, hopefully you understood that that last thing was very sarcastic. Okay. Anyway, thanks for tuning in to this episode of the 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 solve that one first here on the Travis Makes Money podcast. Thanks for tuning in.

[D]

Catch you next time.

[B]

Peace.