CO-HOST | Make Money by Raising Kids with Character, Not Just Class

Summary

Podcast Summary: Travis Makes Money
Episode: CO-HOST | Make Money by Raising Kids with Character, Not Just Class
Release Date: July 26, 2026
Host: Travis Chappell
Co-host: Brandon Berkmeyer
Producer: Eric

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Episode Overview

This episode dives into the controversial topic of raising kids with strong character versus focusing solely on class or financial background. The hosts discuss a viral video in which an entrepreneur claims he won't let his kids play with children from "broke families," arguing that limiting beliefs are contagious and can hinder dreams. The episode unpacks this perspective, the role of parental influence, and what truly matters when raising financially capable, well-rounded children. With a blend of humor and candor, the hosts share personal anecdotes, reflect on their own childhoods, and debate whether character or class should drive parenting decisions.

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Key Discussion Points & Insights

1. Viral Parenting Advice—The "Limiting Beliefs" Argument

• [03:18] Brandon shares a video by a "very tan, very turkey-coated entrepreneur" who says,

  "I'm not letting my kids hang out with kids from broke families. And it's not because they're broke. It's because I know they must have limiting beliefs, and I don't want that passed down to my kids."
  He reinforces he never tells his kids "we can't afford it" or to dream small.

• [04:22] Brandon's reaction:

  "Can I be honest? ... I feel like this dude's... it's kind of a racist dog whistle thing. I feel like this is like, I'm gonna stay in my little white suburban neighborhood."

• [04:40] Travis points out,

  "It's a wild take to not let your kids hang out with a family who doesn't have as much money."

2. Personal Reflections on Growing Up Without Wealth

• [05:26] Eric:

  "I learned a lot from... personal branding because we were broke... When we were growing up, we were all broke. You didn't have, like, a lot of clothes, but they were always ironed..."

• [05:56] Travis jokes,

  "We couldn't afford an iron... Silver spoon over here. You guys had clothes?"

• [06:03] Eric:

  "There was, like, presentation matter. I may not have a lot of clothes, but I want to at least make them look presentable because I don't want to be called out for what I don't have."

• The hosts agree that upbringing often built resourcefulness and pride in personal presentation, regardless of wealth.

3. Challenging the Idea of "Contagious" Limiting Beliefs

• [06:21] Travis rebuts,

  "How often are kids talking about limiting beliefs? Like they're talking about video games and Pokémon, you know, at six, seven? ... There are higher priority concerns for who your kids hang with than family income."

• [07:11] Brandon sarcastically imagines a scenario,

  "'Show me your parents' tax return!'"

4. Online Commentary & Community Response

• [11:12] Brandon reads comments:

  "'A person's character is not defined by the wealth of their family...' Or, 'wealth is created by character.'"
  "'Just call it what it is, elitism.' And then he responded, 'Mindset, elitist mindset.'"

• Some community responses side with the video, others sharply criticize it, stating values and character matter more than circumstances.
• [14:23] Comment from a single mom:

  "'I worked two jobs... rich families wish their children had the qualities mine do.'"

5. Raising Kids: Navigating Friendships and Influence

• [12:05] Eric describes his experience as a dad to preteens:

  "If someone doesn't make you feel good, they're probably not someone you should be around... like, if someone is making you feel judged, what's the point?"

• The hosts agree the main filter for friendships should be mutual respect and positive influence, not financial background.
• [13:04] Brandon quips,

  "'They're the only ones in the neighborhood in our tax brackets.'"

• [18:04] Travis summarizes:

  "There are some shitty rich kids and some shitty poor kids and some shitty middle-class kids. I don't want my kids hanging out with any kids that are negative influences... that does not make [a case for filtering by class]."

6. The Role of Parents and Mentors

• [20:24] Eric:

  "If you can have another trusted family member or uncle, aunt, close friend... that's not you, that's great."

• [21:43] Travis:

  "It's not to say you shouldn't worry about who your kids are hanging out with... This is not a good filter."

• The group agrees: Integrity, resilience, and kindness should be the standards for relationships—money isn't the measure.

7. The Dangers of Elitism and Class-Based Parenting

• [18:54] Travis questions,

  "How are you breaking this news to your kids? If they have a friend they like... are you just telling them a vague 'not a good influence'? ... That's going to create bratty, douchebag kids. That's not going to create good kids doing good things."

• The hosts predict that enforcing class boundaries may backfire, causing resentment and rebellion as children mature.

---

Memorable Quotes & Moments

• On limiting beliefs and kids' friendships:

  "If you can't be friends with kids that don't have money, I would have had no friends growing up." – Brandon [04:40]

• On childhood resourcefulness:

  "You didn't have, like, a lot of clothes, but they were always ironed." – Eric [05:53]

• On filtering friends:

  "How often are kids talking about limiting beliefs? ... There are higher priority concerns for who your kids hang with than family income." – Travis [06:21]

• On hypocrisy:

  "Isn't this the limiting belief?" – Brandon [11:10]

• On character:

  "A person's character is not defined by the wealth of their family. Some children grow up with nothing, yet carry integrity... While others grow up with everything and still lack values." – Read from a video comment [11:12]

• On outsider adult mentors:

  "If you can have another trusted family member or uncle, aunt, or close friend... that's not you, that's great." – Eric [20:24]

• Summary:

  "Money only solves your money problems, but character solves the rest." – Travis [22:44]

---

Timestamps for Key Segments

• Viral video discussion, entrepreneur’s take: [03:18–04:22]
• Host reactions and personal upbringing stories: [04:22–06:55]
• Debate on class vs. character and community comments: [11:12–15:41]
• Parenting approaches to kids’ friendships: [12:05–14:42]
• Mentorship and family influence advice: [20:24–21:43]
• Closing reflections and one-liners: [21:43–22:44]

---

Final Takeaways

• Character, resilience, and kindness are more important than financial status when raising kids.
• Excluding friendships based on class is both unethical and counterproductive.
• Children benefit from diverse relationships and role models beyond their parents.
• The real danger is teaching children that wealth determines worth—instilling elitism may do more harm than good.

---

End of Summary – For full context and lively debate, listen to the episode.

Transcript

[A]

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[B]

It's such. That is so lame, dude. That's such a low bar for other people. If I said that, you'd be like,

[A]

okay, yeah, because you say it all the time.

[B]

I've never said catchphrase.

[A]

Well, you should have thought about it.

[B]

Whatever.

[A]

I've been like, that's good.

[B]

So we're all parents here, right?

[C]

Yes.

[B]

What'd you say?

[C]

Yeah.

[B]

Okay. Yeah. Speak up, please.

[C]

Oh, sorry. Yes.

[B]

Yes, sir. Anyway, we're all parents here. How many children do you have?

[C]

Two.

[B]

How many children do you have? Two. I have one.

[A]

Loser.

[B]

Winner.

[A]

Yeah, yeah. Depends on how you look at it, I guess.

[B]

So anyway, so I saw a video for parenting advice from a very tan, very turkey coated entrepreneur guy.

[A]

Turkey coated?

[B]

Yeah. Let me show you.

[C]

This sounds racist.

[B]

It looks like in Seinfeld. You watch Seinfeld, you give Seinfeld energy.

[A]

Turkey coated.

[B]

Remember when Kramer tries to tan with butter and he. And he dreams he's a turkey? This guy looks like that.

[C]

Oh, yeah.

[B]

Do you remember that?

[C]

Yeah, yeah, yeah.

[B]

So. But anyway, this man has some advice or has a take on what kind of kids he won't let his kids play with.

[C]

Can we start with how his hands are in the shape of a. I'm

[B]

not letting my kids talks. Yeah. Very Illuminati power pose.

[A]

Yeah.

[B]

I'm not letting my kid hang out where a guy is wearing those shorts.

[C]

I don't want to judge too early. He seems like my kind of guy. Like, let's go hang out at the pool. He's your. He's got a waterfall pool. I'm in.

[B]

Well, let's check your net worth.

[A]

He rents this house.

[B]

You ready? Let me know what you think about this. Let my kids hang out with kids from broke families. And it's not because they're broke. It's because I know that they must have limiting beliefs, and I don't want that passed down to my kids. The problem is, if I let my kids hang out with people that have limiting beliefs, they will pass all that on to my kids, which is exactly what I don't want. And that is why I never tell

[C]

my kids we can't afford it.

[B]

That's impossible. You shouldn't go after that.

[C]

It's too big.

[B]

Because if they get any limiting beliefs as kids, as they grow older, they will never chase after that, that big dream. And this is exactly what a broke

[C]

family can pass on to my kids.

[B]

He said the same thing 50 different ways, which I always respect. And also, that was something that people always told my wife when she started dating. They said, don't go after it. It's too big.

[C]

Yikes.

[A]

That's what people say.

[C]

Can we look at the comments on this video?

[B]

Because, like, well, I downloaded this video, but I can see that is a wild.

[C]

We can.

[B]

I'll get. I'll work on that.

[C]

You had to be mostly positive, right?

[B]

Well, here's honestly the thing, though. I watched this video. I was Like, I don't know what anybody's gonna like, am I wrong for thinking this is crazy?

[A]

No, you're not wrong.

[B]

But also, I feel like, can I be honest? Can I just speak my truth? I guess I feel like this dude's. It's kind of a racist dog whistle thing. I feel like this is like, I'm gonna stay in my little white suburban neighborhood.

[A]

Yeah. You know, it's a wild take to not let your kids hang out with a family who doesn't have as much money.

[B]

And also, if you can't be friends with kids that don't have money, I would have had no friends growing up.

[C]

Also, I'm already broke, so I have to hang out with broke people.

[D]

Yeah.

[C]

Like, we flock together, bro.

[B]

At what point are you allowed to cross the threshold? You know what I mean? And also, the kids aren't the ones with limiting beliefs necessarily.

[A]

Exactly.

[B]

It could be their parent, you know? I don't know. And also, you might not be broke because you have a limiting belief.

[C]

Right.

[B]

You might have had, like, a disease. You might have had someone rip you off. You might have. Like. There's a lot of reasons people end up in different situations, you know?

[A]

Yeah.

[C]

Yeah. I'm like, what's your take on limiting beliefs? That's a whole other topic. Like, but the. It's hard to get past the things that matter at the beginning of this, which is just the broke people.

[B]

Right.

[C]

But I. Okay, so I learned a lot from. About personal branding. Because we were broke. And, like, when I. When we were growing up, we were all broke. We're all broke.

[B]

Shut up.

[A]

We were all broke.

[C]

Broken or broke?

[B]

I mean, to Both. I'm more broken every day. But we were all broke. Yeah. Yeah. And look how we're all hanging out together, like a segregated little weird thing.

[C]

I just. It's just funny. So I just remember being like, you always. You didn't have, like, a lot of clothes, but they were always ironed.

[A]

Yeah.

[C]

You know what I mean? Or even creased, if you could.

[A]

Yeah, yeah.

[B]

We couldn't afford an iron silver spoon over here.

[A]

You guys had clothes.

[C]

I know that's crazy. But it was drapes.

[B]

Right.

[C]

But there was, like, presentation matter. It was like, I may not have a lot of clothes, but I want to at least make them look presentable because I don't want to be called out for what I don't have. So trying to keep up and being like, at least presenting myself.

[A]

Yeah.

[C]

You know, and you gotta have nice shoes. Like, other than that, you don't really need much, right?

[A]

No. It's a crazy take to not let your kids hang out with other people based on their financial status. Like that's like you said, first of all, how often are kids talking about limiting beliefs like they're talking about video games and Pokemon, you know, and six, seven. They're not, they're not like going to your kids being like, you know, there's not a lot of money in the world, you know what I mean? And like they're not in trying to actively change. Like I understand as a parent being careful who your kids hang out with. But there's a myriad of other things that I would put as higher priority on that list that has nothing to do with how much money somebody makes.

[C]

But imagine this in a real life scenario like a. I'm sure if he lives in, in the neighborhood I imagine he lives in, like what is, what is the real situation where this is happening right where like little Todd brings over his buddy and his dad's like, nope, sorry, you gotta go.

[A]

Yeah, show me your parents tax return.

[B]

Yeah. Well, here's some comments on the video. I'm glad you guys agree cause I actually would have felt uncomfortable if I was. If you guys like, yeah dude. Same process.

[A]

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[B]

but also too, I'm just like, if, you know, a kid is in an environment, like, I feel like there's a way to be like, hey, come hang out with us and I'll teach you how to do this thing. You know, it's.

[A]

I don't know if you're raising your kids with strong values. It's not, they're not going to be so easily shifted by one of their friends opinions. Yeah, you know what I mean? Like, they're like, they're going to fight back against that and be like, well, it seems to have worked out better for my parents the way that they think about money rather than the way that you're talking about it right now. Like, they're smart and intuitive. They're not just going to fall to the whim of every single kid that they hang out with just because they said something. When you have the results that you have, like, let the results speak for themselves. You know, you don't have to be this like an authoritarian. Like, and it's not even a healthy.

[C]

You're.

[A]

You shouldn't treat people differently just because they have less money. And if you're instilling that in your kids, like, I would be much more worried about my kids becoming rich douchebags and treating people poorly. And yelling at the wait staff and things like that, than I would be concerned about their friend who doesn't have as much money as we do. Like, what a great opportunity for that friend to come see the stuff that you have and ask you questions and be like, I want this version version of life. Like, you. Like you can have an opportunity to help somebody else rather than, you know, thinking about it. Like, this is, to me a version of scarcity mindset. Well, someone says nothing to do with money.

[B]

Isn't this the limiting belief?

[A]

Yeah, exactly.

[B]

But here some of the comments are positive. There's a good blend of the two. And I don't want to be friends with anybody that left a positive comment on this video. First of all, put some pants on, bro. Okay, but here's a couple comments. Someone said, a person's character is not defined by the wealth of their family. Some children grow up with nothing, yet carry integrity, shout out everybody, yeah, good to be here. While others grow up with everything and still lack values. If they genuinely connect, share the same principles and treat each other sincerely, let them be friends. No one knows what the future holds. The wealth itself isn't always guaranteed. This guy responded, wealth is created by character. Okay, but again, you can't judge. Anyone said, just call it what it is, elitism. And then he responded, mindset, elitist mindset. Someone said, excellent planning for a successful future.

[A]

That was not a sarcastic comment.

[C]

And I want to, because there's so many good ones. But for a second, I'm curious, like, if you're. Because I have kids that are old enough that I've seen their friends and something like, how do I. Have I ever told them to not hang out with somebody? A. Or have I tried to guide that in any way? I'm curious if you have, but they're really young years.

[B]

Yeah.

[C]

Yeah.

[A]

Not quite at that stage.

[B]

How old are you kids?

[C]

12 and, oh, now 13, just a couple weeks ago.

[B]

13 and nine.

[C]

13 and nine. But I will say this. I have said, because they'll be like, I'm fighting with such and such or whatever. And sometimes you could just take a pause and if it's meant to be, it's meant to be. It's more of a. Like, are you getting along with them? Like, you don't have to hang out with people you don't get along with.

[A]

Right.

[C]

And then. But mainly I've been like, if I had to create a barrier, it'd be like, if someone doesn't make you feel good, they probably not someone you should be around. And I don't mean, like, blow, wind up your skirt. I mean, like, you. They generally, like, are not. You're not getting along with them. Like, the things you do, you're feeling judged, you're feeling like, whatever. Like, yeah, if someone's not, like, they don't feel like they're your ride or die or they're there for you, like, what's the point? Why are you wasting time on people?

[B]

They're the only ones in the neighborhood in our tax brackets. I have to. Yeah, stop.

[C]

It's like, why. Why waste time on people that aren't invested in you?

[A]

Yeah.

[B]

Someone said, very accurate. To eat good dinners, hang around winners.

[A]

What a weird.

[B]

That feels like a freeloading comment. I got to hang out with rich people. They have great dinners.

[C]

Yeah.

[B]

You know, I was trying to eat a great lunch and I wasn't allowed to go eat. But that's not what I said. Someone said, I just want my kids to hang out with kids. That parents who wear cloth. In response to him not having a shirt on his little shorts at first, I was like, is this a big problem?

[C]

Yeah.

[B]

I do have to say that was really funny. We went to Lush the other day and.

[A]

Oh, the cosmic.

[B]

The bath bomb store.

[A]

Oh, nevermind.

[B]

It's awesome. And we were going by and they had a sign because, like, they have, like, some new thing. It doesn't have, like, certain dyes or stuff in it. And so it's. There was a sign outside the store and it said, shop naked here. My daughter, we're walking up, she like, read the sign slowly, like, shop naked here. And I was like, I don't know if we want to go up there, but. And then I explained what it meant.

[A]

What does it mean?

[B]

Like, it doesn't have. It's like food, naked food. Like, it doesn't have a bunch of additives and stuff.

[A]

Oh, I see.

[B]

I did think it was funny. I was like, imagine someone with, like, limited reading comprehension, like, walking in like, hello, I'm shot naked. It is Vegas. You never know.

[A]

Yeah, it's true.

[C]

So you put your shirt back on.

[B]

I did. I was like, as you were taking it off, someone said, as a single mom of kids, three kids, I worked two jobs and was always there for my kids. I went to a private school, and rich families with two parent homes wish their children have the qualities that my children have. Shout out Amy Lachey. Yeah, Amy Lachey's cooking always. That's good.

[A]

That's a good comment.

[B]

Some of the most successful people come from single homes. Very limited way of thinking. And then this guy's comment is a book. Should we read it? Should we read it?

[A]

Is it positive or negative?

[B]

I beg to differ, good sir. That's what he says.

[C]

Oh, really?

[B]

Yeah, I don't want to do a whole thing. He said, I know a lot of families who are wealthy and I would never want my children to hang out with them due to lack of humility, work ethic, drive and common sense. If you read all the good books and great movies and study the greats, they actually came from nothing and had to face adversity, hardship and uncomfortable moments. This creates grit, resilience and perseverance.

[C]

I'm bored.

[B]

I teach my children perspective versus perception.

[C]

I think you're the only person I

[B]

grew up with hardship but happy. I'm doing just fine and I've beaten the odds because my family taught us how to be human beings.

[C]

Okay, short comment.

[B]

I sincerely hope you reexamine this and change your perception versus perspective.

[C]

Cancel.

[B]

I took the blows and did it my way. My way. How's that?

[A]

Are you about halfway through?

[B]

How's that one?

[C]

Hashtag unsubscribe.

[B]

You like that one?

[A]

Solid stuff.

[B]

Yeah.

[A]

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[D]

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[A]

yeah, no, this is a bad take.

[D]

I. Okay.

[B]

I'm so, I am so relieved.

[A]

Yeah, it's.

[B]

I really. It's one of those. It's one of. No, I'm not surprised. But it's one of those takes that you're like, if you think this is right, we got. Let's talk this out.

[A]

Yeah, it's definitely way more about the content of their character to pull a hold ML.

[B]

Okay.

[A]

But that is, that is the truth. It's like there are some shitty rich kids and there's some shitty poor kids and there's some shitty middle class kids and I don't want my kids hanging out with any kids that are going to be negative influences on them. But that does not make.

[B]

That's why you should lock your kids up in a tower.

[A]

Yeah.

[B]

And don't let them see the outside world.

[A]

That's right.

[B]

Right. Have you ever, you kind of tease this question. Have you ever let. You've never limited like who your kids hang out with?

[C]

No, I.

[B]

Have you ever seen a kid and be like, that kid's trouble?

[C]

No, I mean I've, I've definitely been like, maybe take a break for a couple weeks because it seems like something's going on in their life and they're taking at it on you. It's more like it's not like don't hang out with them because it was just like there's something going on and I don't like we. Maybe you can give them some space and it's very. But then like you can be friends again after that. It's not a. They're a terrible person. You should never be around them.

[A]

Yeah, well, because that's what I was gonna say about this Is that would feel like, how. How are you breaking this news to your kids? You know, like, if they have a friend that they, like, hang out with, like, are you just telling them, like, a vague. Like, oh, that's, you know, not a good influencer. You can't. Yeah, but then I was like, but he put the video on YouTube. Yeah, those kids have definitely seen that. And, like, that's what I mean is like, that's going to create bratty, douchebag kids. That's not going to create good kids doing good things.

[B]

I mean, maybe. But also, I feel like this dude's kids are gonna hate him, you know, but that's. And they're gonna be like, I'm gonna hang out with whoever I want. Well, I don't know.

[A]

I think. I think maybe right now they may not, but I think as they get older, they're gonna be like, that was kind of a wild take from that.

[B]

I think I read. I think I. I'm curious because you have older kids. But that's something I think about kids that I was hanging out with for periods as a teenager and I do think about as a parent is like, that's going to be tricky to navigate when you can see something where it's like, how much responsibility is on you in general to be like, I don't know if they're the best influence, because then you put yourself in the kid's shoes. I would have been like, I know something you don't. Or I like this. You know, I don't know. Teach us. I mean, teach us what to do. I don't know. You're the parenting guru.

[C]

Well, I'll tell you what I know from my own childhood is that at some point, you don't want to hear anything from your parents. Suddenly everything they say is dumb.

[B]

That's the phase I'm in right now.

[C]

Because you're in high school.

[B]

My dad was trying to talk to me on Fourth of July. I was like, get out of here, bro.

[C]

Right. And it's just because of you trying to be independent.

[B]

Right.

[C]

So at some point, you're not listening to any of that. But I got advice from a friend of mine who's like a child counselor in general. And they're like, if you can have another trusted family member or uncle, aunt, close friend that is close with your child and not like a creepy way. Right.

[B]

Speaking of my show.

[A]

Yeah, exactly.

[C]

Them having a favorite person that they can talk to, that's an adult, that can give them a mature response. That's not you that's great. It's like having an older brother or whatever.

[B]

Who were we. You were just talking to somebody that said that where they're like, they'll hear it from you and they won't. Was that you, or is that my show? I don't say the same thing. Yeah. And then someone else says. Someone else says the same thing, and they're like, you're right.

[A]

That is wise.

[B]

You know? And it's like, that's what I said. I think someone said that recently about, like, with your spouse. Oh, that was me recently. But I said something because Tara started working out with me and stuff, and I said something, and then, like, a couple days later, she's like, oh, yeah, I just saw this thing and it said that. I was like, that's literally. That's literally what I said.

[A]

Don't send me this clip.

[B]

Yeah. Don't send me the real name. Now. That's the real. I watched and I learned that from. And I spouted that off to you with little to no knowledge about the subject. But, yeah, it is true. Like, having that other person that can be, like, the sage and a mentor, that's not just, like, the person you're with all the time. Yeah.

[A]

Because it's not to say that you shouldn't worry about who your kids are hanging out with.

[C]

Yeah.

[A]

Free reign, obviously, should get out there about that, but this is not a good filter.

[B]

Yeah. Objectively, I just say, hey, no. No jet of mine is going to go hang out with the sharks. West side Story.

[C]

I'm the cool dad. You guys should hang out at our house. Yeah, whatever you want.

[A]

Right? Exactly.

[B]

Yeah.

[A]

Probably not a great solution.

[B]

Shots. Shots.

[A]

Yeah, right now.

[B]

Never mind.

[A]

If somebody brought a Stevo shot glass, I would have done a shot.

[B]

Oh, God. Dude, that really did hurt my feelings.

[A]

Yeah, he forgot.

[C]

If Little John was here, I would do it.

[A]

Take shots.

[C]

Yeah. If Little John was here.

[A]

Well, yeah.

[C]

No one. No one asked me.

[B]

What about Little Eric? Let's close.

[A]

What about Big Eric?

[B]

Let's close out. We're off the rails here. I'm not gonna let my kids hang out with people like you two being mean to me all the time. Bullies.

[A]

Well, if you ask for it.

[C]

If you don't want role models, it's fine.

[A]

Yeah.

[B]

Oh, now I'm asking for it. Don't send me down this road.

[A]

The victim's fault.

[B]

All right, go ahead. Okay.

[C]

Close this out.

[A]

That's it for this episode of the show. Remember, money only solves your money problems. But Caesar solved the rest of your problems. Money in the bank. So let's start there. Here on the Travis Makes Money Podcast. Interesting in catch next time.

[D]

Peace.

[A]

Hey, Ryan Reynolds here for Mint Mobile. Are you looking for a beach read this summer? May I suggest your big wireless bill? It's got suspense, mystery, a slightly flat emotional arc, and a shocking twist where you realize you've been overpaying the entire time. Fortunately, though, Mint Story is better. Every plan $15 a month, even unlimited.

[B]

That's it.

[A]

Happy ending, zero tears. Give it a [e-mail] Switch upfront payment

[D]

of $45 for three months, $90 for six months or $180 for a 12 month plan required $15 per month equivalent taxes and fees Extra initial plan term only greater than 50 gigabytes. Me slow when network is busy. See terms.