CO-HOST | Make Money by Thinking Like Scott Galloway

Summary

Podcast Summary
Podcast: Travis Makes Money
Episode: CO-HOST | Make Money by Thinking Like Scott Galloway
Host: Travis Chappell
Guest/Co-Host: Eric (Producer)
Date: April 1, 2026

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Episode Overview

In this episode, Travis Chappell and his producer Eric react to and unpack key financial lessons from three memorable Scott Galloway clips. The discussion focuses on mindset shifts around money, practical savings and investing strategies, and the modern realities of wealth-building. The tone is relaxed, insightful, and laced with humor, centering on the idea that achieving wealth is less about extreme frugality or chasing billionaire status and more about making smart, intentional decisions with your money—while enjoying life along the way.

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Key Discussion Points & Insights

1. You Can’t Out-Smart the Market (00:20–04:50)

• Scott Galloway’s Perspective:
  Most young people, especially men, believe they can beat the stock market. Galloway suggests:
  • Use about 30% of your investing “fun money” to learn by experience (stock picking), but put the majority into index funds.
  • The “magic” of long-term wealth accumulation lies in the upward trend of productivity in western economies.
  • Quote:

    “Over the long term, you don’t know what you’re doing and just put it in an index fund. …just buy an index fund, and like, set it, forget it.” —Scott Galloway [01:22; 07:09]

• Travis’s Reaction:
  • Agrees with Galloway, citing that all major finance authorities (from hedge fund titans to Tony Robbins, Dave Ramsey, Morgan Housel) echo the same advice.
  • Notes that access to quality financial information has never been easier—no need to learn the hard way by making costly mistakes.
  • Quote:

    “You play stupid games, win stupid prizes, and that’s a perfect example of that.” —Travis [04:43]

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2. Wealth Isn’t About Income—It’s What You Keep (06:01–11:54)

• Scott Galloway’s Perspective:
  • Making lots of money in high-tax urban centers can make you “the poor rich.” Expenses plus taxes can eat up high salaries.
  • True wealth = savings, not income.
  • Leverage “forced savings plans” (like home ownership, tax-advantaged employer accounts, index funds).
  • Quote:

    “Wealth isn’t about how much you make, it’s about how much you save.” —Scott Galloway [06:27]

• Travis & Eric Discussion:
  • Travis emphasizes the importance of controlling spending regardless of income:
    • Many high-income earners still live paycheck-to-paycheck due to matched spending.
    • Robert Kiyosaki’s idea: True net worth is measured by how long you can maintain your lifestyle if you stop working.
    • Avoiding lifestyle creep is a quiet, underrated path to real wealth.
  • They poke fun at the political overtones but ultimately agree Galloway’s advice transcends political lines.
  • Quote:

    “There’s plenty of people out there who make over a million dollars a year, but also spend over a million … they’re just as broke as somebody making 50, spending 50.” —Travis [11:43]

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3. The Power of Forced Savings (15:04–25:59)

• Scott Galloway’s Key Point:
  • “90% of us will spend everything that comes into our hands.”
  • Systems must be in place to keep money out of reach: automated savings, employer accounts, home equity, etc.
  • Home ownership isn’t always the highest-yield investment, but it works as forced savings because most aren’t willing to lose their homes and thus keep up with payments.
  • The environment is increasingly engineered to get you to spend (technology, targeted ads), so automation is essential.
  • Quote:

    “The smartest people on the planet … are trying to figure out a way to use technology to hit you on a screen at the exact right moment when you’re in the exact right mood. … It is nearly fucking impossible not to spend as much or more money than you have in this environment.” —Scott Galloway [15:17]

• Travis’s Application:
  • Treat savings like a “diet”—don’t keep temptation in sight.
  • He and his wife automatically siphon surplus funds from their checking to investment/secondary accounts as soon as a threshold is hit.
  • Forced savings work: If it’s not easily accessible, you’re less likely to splurge.
  • Quote:

    “It’s the perception that we don’t have a lot of money that prevents us from going out and spending the money that we do have…” —Travis [16:49]

  • Real estate as forced savings: Even with maintenance costs, it’s often more secure for building wealth than highly liquid investments.

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4. Practical Life Implementation & Personal Experience (24:05–28:43)

• Emphasize intention in both spending and saving:
  • Make big purchases only with intention, not just because cash is visible in the bank account.
  • Use apps and automation to make saving painless (e.g., Rocket Money).
  • By keeping daily-use accounts “lean,” it creates the sense of urgency to go earn more rather than complacency.
  • Being “wealthy” is about structure, not just willpower.
• Galloway’s humility: He’s transparent that younger generations face a steeper uphill climb and doesn’t do the “back in my day” guilt trip. He’s willing to contextualize his success given how much things have changed.

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5. Galloway’s Role vs. Finance Influencers (26:27–28:43)

• Eric points out that Galloway stands apart from “red pill” and hustle-hard money advice, especially regarding what counts as “a lot of money.”
• He appreciates that Galloway validates the reality of earning $100k+ being a significant achievement and recognizes systemic generational obstacles.
• Choice quote:

  “He talks about, like, when he talks about money… most red pill people will be like ‘that’s nothing’… and I like that he goes out of his way to say… that is a lot of money.” —Eric [26:47]

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Notable Quotes & Memorable Moments

• Scott Galloway:

  • “Over the long term, you don’t know what you’re doing and just put it in an index fund.” [01:22]
  • “Wealth isn’t about how much you make, it’s about how much you save.” [06:27]
  • “90% of us will spend everything that comes into our hands. So you want to find saving mechanisms that keep the dollar out of your hands.” [15:04]
  • “It is nearly fucking impossible not to spend as much or more money than you have in this environment.” [15:40]

• Travis:

  • “You play stupid games, win stupid prizes.” [04:43]
  • “It’s not about the money you make, it’s about the money that you save.” [11:43]
  • “The perception that we don’t have a lot of money… prevents us from going out and spending the money that we do have because it’s in something that we can’t touch.” [16:49]

• Eric:

  • “He doesn’t do the thing of when he says, like, oh, people make 100 grand… he goes out of his way to say, and that is a lot of money.” [26:47]

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Timestamps for Key Segments

• [01:22] — Scott Galloway on “play money” and index funds
• [04:43] — Travis explains why beating the market is a losing game
• [06:27; 07:09] — Galloway on “the poor rich” and why wealth = savings
• [11:43] — Travis on lifestyle creep and true wealth
• [15:04; 15:40] — Galloway on forced savings and fighting the urge to spend
• [16:49] — Travis’s “diet” analogy for forced savings
• [26:47] — Eric on Galloway’s unique message in the finance space
• [28:03] — Travis on Galloway’s humility and modern challenges

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Episode Tone & Takeaway

The tone is irreverent, energetic, and practical. Both Travis and Eric combine personal anecdotes, gentle teasing, and accessible explanations to demystify Galloway’s advice. The main takeaway: Wealth creation in today’s world is about being proactive, automating your process, and understanding your human weaknesses—so you can enjoy your life now and later.

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Recommended Resource:
Scott Galloway’s book The Algebra of Wealth for deeper insights into his wealth-building framework. [26:09]

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Closing Remark:
“Remember, 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.” —Travis [29:07]

Transcript

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[Travis]

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[Travis]

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software tool on the planet. Just go to gohighlevel.com travis. What's going on, everybody?

[Travis]

Welcome back to the Travis Makes Money podcast where it's a mission to help you make more money today on the show. My producer Eric is in studio.

[Podcast Host]

What's up, man?

[Eric (Producer)]

Travis, I'm going to give you three guesses as to who I'm going to show you a clip of today.

[Travis]

Okay? Just in general, no hints.

[Eric (Producer)]

Who do you think I'm going to show you a clip of today?

[Travis]

Professor Scott Galloway.

[Eric (Producer)]

How did you guess that? That's the problem with putting clips on TV for you. You know what we're going to talk about?

[Travis]

Yeah.

[Eric (Producer)]

All right. I have included, I have three clips of Scott Galloway because I know you love Scott Galloway, don't you?

[Travis]

Scott Galloway is a good one.

[Eric (Producer)]

You lay your head on the pillow. Now you go Scott Galloway.

[Travis]

I dream of Scott Galloway. Content.

[Eric (Producer)]

Anyway, I have three clips. I'm going to have you react to them easy as pie and let me know what you think, okay?

[Travis]

Okay.

[Eric (Producer)]

You ready for this?

[Travis]

I would wish. I am ready.

[Eric (Producer)]

I would wish to watch.

[Scott Galloway (Clip Speaker)]

Okay.

[Travis]

I wish you would just play the clip.

[Scott Galloway (Clip Speaker)]

Every young person, especially young men, is under the impression they're smarter than they are and that they can beat the market. So, okay, take 30% of your money. Have some fun. Buy Starbucks, Nvidia, Unilever, Novo Nordisk, whatever you think you have insight into so you can learn a life lesson that over the long term you don't know what you're doing and just put it in an index fund. Because the marvelous thing about the human race is we become more productive. And the western economies, generally speaking over the medium and long term are up into the right focus. Find something you could be good at. Maybe great. That has a 90 plus percent employment rate. Stoicism. We haven't talked about that. Realize there's some things you can't control. Focus on the things you can control. One thing that is within your control is spending. Try and find a partner. Try and gamify spending. I spent $78 a week my summer between my junior and senior year, including rent, because I needed three, three hundred dollars to go Back to school. I partnered with five other guys in my fraternity and we gamified who could spend the least amount of money.

[Eric (Producer)]

Every Scott gave away his age there. I needed $3,300 to go back to school, and I needed. It's like the meme of I bought my first house with three raspberries and $20. But, but, okay, so, so let's break that down then. So the first thing he says is everyone, every young guy especially thinks they know what they're doing.

[Podcast Host]

That's true.

[Eric (Producer)]

So go ahead and do those things so you can learn the lesson that you don't know what you're doing. Very true. And then he provides alternatives. What's your, what's your takeaway on his advice here?

[Travis]

Yeah, you don't even, you don't even have to be. You don't have to do the initial failure because there's just too, there's too much information now to where the tiniest bit of research will take you to the exact thing that he's saying right now. Like, every book on money that I've read that's worth reading basically says the same exact thing, which is you'll never beat the markets if you want, like, like you said, like if you want to play around and, and buy some stocks, whatever. But that's like play money. But, you know, you, if you, if you look at what the biggest hedge fund managers in the world tell you to do, it's all the same exact advice, which is buy an index fund. Because you're never going to outperform what these funds are going to do. Like owning a piece of 500 of the best of the top performing companies. Just do that and it will inevitably outperform whatever game you think you're trying to play or whatever game you think you're going to win. So you don't even, you don't even. I mean, maybe like 20, 30 years ago when that information was still sort of like a secret that was kept, but you know, now it's Tony Robbins with Money Master the Game or Unshakable or Morgan Houser's the Psychology of Money. Dave Ramsey, whoever you talk, whoever you look at, who has any sort of insight into the markets.

[Scott Galloway (Clip Speaker)]

George Camel.

[Travis]

George Camel. Same thing, you know, but it's, it's, it's the big guys too, though the Ray Dalios of the world who are running the most valuable hedge funds on the planet still say the same thing to the average investor, which is just buy index funds and like set it. Forget it. Stop taking money out if the markets are happen to be doing poorly because of some world event, don't panic. Sell and take the money out and then think you're going to, you know, play it smart by, well, I'm just gonna wait for the next dip and then I'll buy. Or I'm gonna sell at the top and then I'm gonna buy when it's lower. It's just playing that game is like you play stupid games, win stupid prizes, and that's a perfect example of that. So, yeah, it's. There's too much information out there to still be thinking that, like, you're get like you with chat GPT in sitting in your spare bedroom are going to outperform all of these funds.

[Eric (Producer)]

You know, I. I've been following the advice. I'm actually, I joined a exclusive mastermind

[Travis]

from HS Tikki Talkie.

[Eric (Producer)]

Yeah. HS Tiki Talkies giving me some advice. How'd you know I was gonna do HS Tiki Talky?

[Travis]

The most wild username.

[Eric (Producer)]

How'd you know I was gonna say HS Tikki Toki? Are we.

[Travis]

That's top of mind.

[Eric (Producer)]

That's crazy. He's always on top of mind. He's tiptock. Okay, here we go. Here's another Scott Galloway clip. You ready?

[Travis]

Let's do it.

[Scott Galloway (Clip Speaker)]

I prefer typically, to make a good living, you have to live in an urban center in a blue state where the taxes are high.

[Eric (Producer)]

That's right. Blue state superiority, Right.

[Travis]

You cut him off.

[Eric (Producer)]

Blue state superiority, right.

[Travis]

Totally.

[Eric (Producer)]

Scott Galloway's a limp.

[Travis]

He is a lib.

[Eric (Producer)]

He's lived out.

[Travis]

Dude, he is really lived out.

[Eric (Producer)]

And you still like him.

[Travis]

I do. Except wherever you find him.

[Eric (Producer)]

Have you ever realized that the best people that you know are libs?

[Travis]

No.

[Eric (Producer)]

And the worst people you know are not?

[Travis]

No. I've not noticed that because it's not true.

[Eric (Producer)]

You know how, like, all the libs are the best?

[Travis]

Nope.

[Eric (Producer)]

You know how the worst people you know are not?

[Travis]

You're just gonna keep saying the same question.

[Eric (Producer)]

All right, here we go.

[Scott Galloway (Clip Speaker)]

To make a good living, you have to live in an urban center in a blue state where the taxes are high.

[Eric (Producer)]

If you're shout out Gavin Newsome, 2028 President of the United States. Have you ever noticed he's going to

[Scott Galloway (Clip Speaker)]

keep playing the same make a good living. You have to live in an urban center in a blue state where the taxes are high. If you're making two or three hundred thousand dollars in San Francisco or in New York, you're probably paying somewhere between 40 and 45%. If you're really killing it and making kind of over a million dollars, which sounds like a lot of money and it is a lot of money. You might be paying over 50% in taxes and then you roll in the expenses of living in those cities. A lot of these people I would deem as the poor rich and that is they make a, they don't have a lot of money. Wealth isn't about how much you make, it's about how much you save. Think about forced savings plans. A house can be a forced savings plan. Finding the money for a down and building up equity in your house. Any sort of tax advantage vehicle at your employer, max out. And some are offered even if you're self employed. Low cost index funds, ETFs. Don't delude yourself that you think you can pick stocks better than anyone else. You can't. You want to find someone great at it, who's really cheap. That's called an index fund or an etf.

[Travis]

Yeah, Yep. All that's.

[Eric (Producer)]

All that's shout out liberal. That's what honestly what he said in that clip was liberal cities are the best and the only way to live.

[Travis]

That's not what I heard.

[Eric (Producer)]

That's not what he said at all.

[Travis]

Yeah, well, and, and it's obviously wildly changed over the, even the last, just 10 years.

[Eric (Producer)]

Well, when did he watch this? Especially even in the last year. He posted this in 24, four last two years almost.

[Travis]

Yeah. Just because of the, you know, surge of remote work possibilities and then a lot of companies moving from California, New York.

[Podcast Host]

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[Travis]

into Florida and Texas and some of these other states where they don't have crazy high taxes. So I, that probably was very true, especially in certain industries where basically like you couldn't get a job in that industry unless you were in LA or you were in New York or San Francisco or something. But it's becoming more and more fractionalized as, as time goes on. But, but yeah, it. Once you want. Like that's why I love his definition of, of wealth building. It's, it's not necessarily just like, it's not about the money you make, it's about the money that you save, but it's the delta between what you spend and what you make that allows you to build we some point. And there's plenty of people out there who make over a million dollars a year, but also spend over a million dollars a year and they're just as broke as somebody making 50, spending 50. You know, it's the same thing. It's just they have more Monopoly money to play with.

[Eric (Producer)]

Who is it? Robert? I always get because there's Robert Kiyosaki, who's the other guy?

[Travis]

Guy Kawasaki.

[Eric (Producer)]

Okay. Robert Kiyosaki. Rich dad, poor dad.

[Travis]

Yes.

[Eric (Producer)]

He's the guy that says your net worth is if you stop making money. How. How long could you.

[Travis]

Yeah.

[Eric (Producer)]

Still maintain your lifestyle?

[Travis]

Yeah, that's another way to look at it. Yeah.

[Eric (Producer)]

That makes so much more. The first time I ever heard that I was like, oh yeah, that makes sense.

[Travis]

Right. That is the true definition of wealth because that's how you can have people who never made a lot of money but can still retire before they're 40, you know, quote unquote. Retire before. Before they're 40. Because they just were relentless about their lifestyle creep and the money that they saved. And then they put it into something like an index mutual fund, something that just again, you can set it and forget it. You don't have to, you don't have to be monitoring the markets every morning and watching CNBC Money news to figure out what to do with your portfolio. It's just like you just put it in something that is reliable and predictable long term and spend less than you make and you're probably going to be fine. I liked how the verbiage that Ben Shapiro used in that clip that you

[Eric (Producer)]

showed where he said he got an episode already, what are we going back

[Travis]

to where the, the, the verbiage that he, that he said. Where he, he said you, if you do these like, base level things, you will not be permanently poor. It's like I, I like that verbiage because it implies that you don't have to be the person that goes out and builds a 12 million dollar company in order to not be poor anymore. Like, if you get a decent job, you get good at something, you build some skills, you add value, and you spend less than you make, and you put your money in the right places, then eventually you can have a lot of money. And that's wildly underrated path to success.

[Eric (Producer)]

You know, Robert Kiyosaki is writing a sequel, a long awaited sequel to Rich Dad, Poor Dad. It's called Poor Dad, Sugar Daddy, Finding Sugar Daddy. I don't know.

[Travis]

Keep working that one out. That'll crush at the next financial conference that you go to.

[Eric (Producer)]

How to find a Sugar Dad. I don't know. I thought there was a seed of something there. Poor dad, Sugar Dad, Poor Dad, Sugar Dad. I just picture his first draft of the book was called Rich Daddy, Poor Daddy. And they're like, maybe drop the. Just keep it, Dad. I don't know. I don't know. Forget it. Open miking right here in this room several times a day and bombing.

[Travis]

Wait, I got you. Oh, wait. Damn it. Oh, that was actually.

[Eric (Producer)]

That's a good one.

[Travis]

That's a better one.

[Eric (Producer)]

Let me try again. Give me one more. If it's. If I deliver it good, give me a clap. If I do it bad, give me a. Wah, wah.

[Travis]

Oh, there's. Okay, if we found the laugh one.

[Podcast Host]

And I'll give you crickets.

[Eric (Producer)]

Here we go. Here we go. You know, Robert Kiyosaki is actually working on the long awaited sequel to Rich Dad, Poor Dad. It's called Poor Dad, Sugar Daddy, your guide to finding wealth through a precarious relationship with an older man. So there's a third clip from Scott.

[Travis]

There was ever a joke that deserved crickets.

[Eric (Producer)]

All right, there's a. There's a third clip from Scott Galloway.

[Travis]

Let's just move along here.

[Eric (Producer)]

Here we go. You ready?

[Travis]

Yep.

[Scott Galloway (Clip Speaker)]

90% of us will spend everything that comes into our hands. So you want to find saving mechanisms that keep the dollar out of your hands.

[Eric (Producer)]

And this clip I included because he expanded on the last point.

[Travis]

I was gonna say. Yeah, we didn't talk about that, but

[Eric (Producer)]

I didn't want to.

[Travis]

Good.

[Eric (Producer)]

So don't.

[Travis]

I won't.

[Scott Galloway (Clip Speaker)]

90% of us will spend everything that comes into our hands. So you want to find saving mechanisms that keep the dollar out of your hand. The smartest people on the planet aren't trying to put a person on Mars or solve world hunger. They're trying to figure out a way to use technology to hit you on a screen at the exact right moment when you're in the exact right move. So they can sell you a pair of bomba socks with your on running shoes at the exact right moment, or get you to upgrade from economy to economy comfort. It is nearly fucking impossible not to spend as much or more money than you have in this environment. So for. Savings are a great way to build wealth. Housing or owning a home has been a great way to build wealth. Now is that because it outperforms other asset classes? No, if you include maintenance and taxes, it's probably underperformed the stock market. But people don't like to have their home foreclosed on, so they generally make that mortgage payment and slowly but surely the value in their house should grow tax deferred to kind of build wealth. Because of its forced savings mechanism that's built into it. You want to implement the same type of thing for you.

[Travis]

Yeah, I love, I love that concept of forced savings. And the first time I heard it articulate was actually Grant Cardone because he talked about how you should make as much money as you can, but live like you never made that much money. Like, like earn rich, live poor. So whenever, whenever you like. That's our, our rule personally is like whenever we get past a certain amount in our savings account, we just take whatever that delta is and put it in something, something that gets it out of our bank account. Because it's the perception that we don't have a lot of money that prevents us from going out and spending the money that we do have because it's in something that we can't touch or immediately liquidate. And another great reason for buying a house, because that, that's something that I think a lot of people are again disillusioned by is owning a house and being a part of the American dream. And it feels, it feels completely out of reach for a lot of people these days. And so there's a lot of people who are just saying like, oh, forget that, just put your money in the markets. And it's like, yes, if you can control yourself and not actually pull the money out of the markets. But it's much easier just to like take a withdrawal from your Acorns account or your Wealthfront account or your Robinhood account. It's so much easier just to go in and send it back to your bank account within 48 hours or whatever

[Podcast Host]

the time is that it takes to

[Travis]

do that than it is to try to pull equity out of your home. So any. Anything like that that forces you to continue acting like you're broke, even if you. Even if your on paper net worth is high, is. Is really helpful because it's. It just. It takes away the temptation. It's like the. The whole idea of, like, you know, that that's. That's why I don't keep junk food in the house. It's like, I know if I keep junk, junk food in the house, I'm gonna eat all.

[Eric (Producer)]

Travis. What I just saw downstairs, you had a chocolate chip cookie. Yeah, I saw you with a chocolate chip cookie in your hand this morning.

[Travis]

Because you literally always bring cookies to my house because, you know it's my weakness.

[Eric (Producer)]

That's not true. Sometimes I bring donuts.

[Travis]

Yeah, exactly. You. You're actively rooting against my health plan.

[Eric (Producer)]

And guess what? I didn't eat a cookie today.

[Travis]

Yeah, but you ate some of it, and then you tried to force me to eat the rest of it. When you're like, it wasn't a good pitch either, you're like, this is not a good cookie. Have some. I'm like, well, why would I?

[Eric (Producer)]

Because.

[Travis]

But it's the same concept, is like, if there's. If there's not a box of a dozen donuts sitting on my counter, then I am probably not going to take the time and energy that it takes to get in my car, drive to a donut shop, and get a donut if I do. Yeah, but you have to order them by the dozen, and it's way more.

[Eric (Producer)]

Paint box is individual, and it's similar to store pricing. Try it.

[Podcast Host]

Interesting.

[Travis]

I'm not going to actually do it. Okay. I don't want to know. That's possible.

[Podcast Host]

This episode of the show is brought to you by Factor. Look, everybody who's listening to the show is busy. I get it. There's kids, there's distractions, there's businesses, there's side hustles, there's podcasts. There's everything to prevent you from eating

[Travis]

good, quality food all the time.

[Podcast Host]

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[Eric (Producer)]

No, seriously, it's so easy pass.

[Travis]

It's free delivery. My point is, is that it is much more. It, it's, it's requiring you to jump through another hoop to have the gratification that you're looking for versus like it's on the counter. I'm gonna, I'm gonna just eat a bite here and there and then by the time the day's over, it's like, oh, I had two and a half donuts today.

[Eric (Producer)]

It's like, if you don't have chips in your pantry, that's me, grab chips.

[Travis]

But to me it's like, it's not like I'll never do it. It's just a matter of when I do it. It's because I actually really want it. You know what I mean? Versus like if I have a half gallon of ice cream in my freezer, I'm just gonna eat it whenever I can because I love Ice cream. But it doesn't mean I never eat ice cream. It just means that I'm much more intentional about it.

[Podcast Host]

And that's how you should be treating

[Travis]

your bank account too. It's that like, if you really want to spend money on this certain item or this thing, then you can. It's just that you have to be way more intentional about doing that if you keep all this money out of sight, out of mind type of a thing. Like that's, that's what we do with our, with our vacations and stuff. Like we have a automatic savings account that we hooked up to another one of those apps, you know, insert app of choice.

[Podcast Host]

I think we use rocket money for this.

[Travis]

But basically like anytime there's, anytime deposits go into our account, that savings account, based on certain rules that we have set up, pulls money automatically and puts it into another account where I don't ever see the money unless I go to that particular app and look it up and see how much money is in there. But when I look at our bank account, it's not there. So I'm trying my, like I try basically to just, to just once we hit a certain dollar amount, everything beyond that, it goes into stock portfolio, crypto portfolio, real estate, some other investment. It just, or, or paying down our, our SBA debt for our Everbowl store. Like, there's certain things where it's just like once we hit this threshold, any money in addition to that, let's get it out. And, and that way when we check the account, it still feels like there's a sense of urgency to go make more money. But if you just keep it all in your account, then you can start getting that feeling of comfort. And then you're like, oh, well, you know, you walk around Costco and see the brand new TVs and you're like, oh, it's been a while since we bought a tv. Let's just get the tv because we can afford it. And it's like, doesn't mean that I can't afford it, you know, or that you wouldn't be able to afford it if you really wanted it. But it does, it does enter, it does insert another layer of complexity to be able to just go spend willy nilly on things that you probably shouldn't be spending money on. So yeah, I love the idea of a forced savings vehicle. And a house is a really, really great tool for that because it will always, you know, be worth More in 30 years than you paid for it today. Even if it is expensive or difficult to make happen right now.

[Podcast Host]

So.

[Travis]

Yeah.

[Eric (Producer)]

All right, close us out.

[Travis]

Well, that's great stuff. Shut it down, Galloway, as usual, for

[Eric (Producer)]

once, Scott has wisdom. I found the one, the three clips where he has wisdom.

[Travis]

He's got his book, I think the Algebra of Wealth, I believe is the name of his book, which basically breaks down his formula for getting wealthy. And it's a lot of what he does about his Algebra of Wealth. So you can, you know, pick up a copy of that book and dive deeper into his stuff because he's got some really great stuff on how to become wealthy.

[Eric (Producer)]

You know what? I'm going to say one more thing about Scott Galloway.

[Travis]

What?

[Eric (Producer)]

You know what I like about Scott Galloway? What? Nothing. I'm saying the thing I like is that he. He does talk about, like, when he talks about money, because, like, he. I feel like he's kind of positioned himself more and more to be like, an alternative to, like, the red pill kind of mentality, but he's gets lumped

[Travis]

into that community, which is strange.

[Eric (Producer)]

Yeah. And. And I mean, I. I've seen. I. I've talked to people who are. Who have critiques and stuff about certain things, but, like, overall, most. What I've seen of him, I'm like, that's pretty good, you know? But I do like that he doesn't do the thing of when he says, like, oh, people make 100 grand, which I think is a lot of money. And I like that, like, most red pill people will be like, that's nothing. That's shit. And I like that he goes out of his way to say, like, and that is a lot of money. Because it recognized, like, most people won't make that much, you know, and. Or when he says, you know, like, like when he talks about, like, companies and stuff, like, it's always this thing of. Or one of the things is, like, when he talks about, like, younger generations, he's like, they have every right to be pissed off about the way society runs.

[Travis]

Right.

[Eric (Producer)]

But knowing society runs this way, what can you do? And I think that approach is always so helpful because I think instead of

[Travis]

just making people feel bad. Yeah.

[Eric (Producer)]

Because a lot of people in his age demo. Not to make it about age, but it's like, if we're talking about young generations looking at figures, the reason most people don't listen to people in Scott Galloway's age demo, myself included, is a lot of times what you're hearing is like, well, I did it.

[Travis]

Yeah. Therefore, you know. Yeah.

[Eric (Producer)]

Like, they go, I lived on $75 a month. So everyone should versus, like, what's that look like for you in 2026?

[Travis]

You know, he's willing to contextualize it. So he talks about that all the time, how a lot of his success he owes to the fact that UCLA's acceptance rate was like 80% when he applied, and now it's like 8% or something like that. And that he was like, by all intents and purposes, I should not have been accepted into UCLA with my grades and where I was in my position in life. But I was. And it was a great opportunity, and I got this great job, which led me to start my first company, which. You know what I mean? So he get. He's willing to at least be like, it was a different scenario than. However, if you want to win the game now, it's still 100% possible and doable. You just have to take a little bit of a different path than the one that I was able to take because the time was just a different time.

[Eric (Producer)]

It's kind of like when you hear the stories of, like, George Lucas and Francis Ford Coppola and all of them going to usc and they're like, film school is basically like film appreciation. And there was like a shed of equipment.

[Travis]

Yeah.

[Eric (Producer)]

And it's like, now try to get into USC film school. Right. It's like, what that means. But anyway, go ahead and close this us out. We're men, and we close it out. And that's. And. And it's over. Shut it down.

[Podcast Host]

That's it for this episode of the show.

[Travis]

Remember, money only solves your money problems, but it's easier to solve the rest of your problems.

[Podcast Host]

Money in the bank.

[Travis]

So let's solve that one first here on the Travis Makes Money podcast.

[Podcast Host]

Thanks for tuning in.

[Travis]

Catch you next time. Peace.