CO-HOST | Make Money While You Sleep (And Other Money Myths We Love to Argue About)

Summary

Podcast Summary: Travis Makes Money

Episode: CO-HOST | Make Money While You Sleep (And Other Money Myths We Love to Argue About)
Date: March 9, 2026
Hosts: Travis Chappell (A) and Producer Eric (B)

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Episode Overview

This episode dives into the myths, realities, and philosophies surrounding personal finance—especially the classic advice and sound bites repeated in the money world. Travis and Eric engage in a lively, often humorous debate about widely-cited finance quotes from famous (and infamous) figures, discussing which ones hold up and which ones they believe are misunderstood or out-of-touch. The tone stays relatable and occasionally irreverent, with practical advice threaded throughout.

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Major Discussion Points & Insights

Debating Money Quotes: Truth vs. Myth

"Make Money While You Sleep" – The Passive Income Mandate

• Quote: "If you don't find a way to make money while you sleep, you will work until you die." (Warren Buffett)
  • Travis (A): “Yeah, true. Okay, I agree.” [02:12]
  • Takeaway: Both hosts agree on the significance of creating passive or semi-passive income streams, emphasizing the need to look beyond trading time for money.

Is Debt Always Bad?

• Quote: "Debt is normal. Be abnormal." (Dave Ramsey)
  • Travis (A): “I tend to not agree with it… I've multiple times leveraged debt to make an outcome happen when I didn’t have [cash]. ... You can use debt, just be as intentional and careful as you can.” [03:17]
  • Discussion: Debt isn’t inherently evil, but needs careful, intentional management; points out Ramsey's anti-debt stance is helpful for some, but not all—mindset is crucial.

“OnlyFans Made Me a Multi-Millionaire. Haters Stay Broke.”

• Source: Belle Delphine
  • Eric (B): Shares Belle Delphine’s viral bathwater sales and subsequent five-year PayPal funds freeze.
    • “Within three days, she made $90,000 in gross sales… PayPal froze her account, temporarily withholding her profits.” [07:52–08:47]
    • “PayPal eventually released the funds in 2024. Nearly five years after freezing.” [08:53]
  • Travis (A): “If you’re going to sell your bathwater online, don’t use PayPal or Stripe…” [09:02]
  • Tip: Use flexible, creator-friendly payment platforms (e.g., DeposyT) for unconventional online businesses.

The Future of Labor: Minimum Wage and Automation

• Quote: “$15 minimum wage kills small business. Robots win anyway.” (Elon Musk)
  • Travis (A): "I tend to agree... at some point, it’s going to become so obvious for the business owner that it'll just make more sense to outsource to a robot instead of a human." [11:39–13:53]
  • Analysis: Gradual upward pressure on low-wage labor will incentivize automation—especially as robots become cheaper. This squeezes small business margins and creates societal questions about future employment.

Focus: Income vs. Expenses

• Quote: “Rich people focus on what they make, poor people focus on what they spend.” (Ramit Sethi)
  • Travis (A): “That’s the whole purpose for the show… try to help people focus on learning how to make more money rather than focusing on things that they’re going to go spend their money on.” [15:22]
  • Philosophy: Prioritize income expansion, not hyper-frugality; recognize life’s unpredictability and enjoy life today while preparing for tomorrow.

Asset Priorities: Car vs. House

• Quote: “Your car costs more than your house. You're poor.” (Andrew Tate)
  • Travis (A): “Well, yeah, I agree with that for sure… That particular thing that he said does make a lot of sense.” [17:11–18:08]
  • Lesson: Don't over-leverage lifestyle vehicles at the expense of real assets (home equity/adult priorities).

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Notable Quotes & Memorable Moments

• On Dave Ramsey’s Approach:
  “[For] a lot of people… if they have some sort of trauma from the past related to debt... why they’re not eager to get back into debt.” [03:21]
• On OnlyFans and Unconventional Wealth:
  “If you’re going to sell your bathwater online… Don’t use PayPal or Stripe…” [09:02]
• On Small Business Strain:
  “Walmart might be able to afford it. ... But then you’re just... making it impossible for the mom and pop small business owner to compete with those big box companies because they literally can’t afford to do it.” [13:54]
• On Enjoying Life:
  “Your kids are only going to be 6 and 9 once, so if you want to go on vacation with them, you’re going to have to figure out a way to be able to do that... the way to do that, the best—maybe the only way—is just to focus on increasing your income so that you can do both.” [16:22]
• On Andrew Tate’s Asset Advice:
  “Well he’s right about that one.” [17:49]
• Humor – On Ramsey’s Hypothetical OnlyFans:
  "[Ramsey] expresses his BDSM kink on stage..." [02:45]
  “Follow Ramsey on OnlyFans at POV Chains.” [04:40]

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Engaging Tangents & Fun Moments

• Bathwater Business Case Study:
  Eric’s exploration of Belle Delphine’s bathwater sales and the subsequent payment processor saga offers both comic relief and a real-world lesson about digital commerce pitfalls. [07:52–08:53]
• The Belize Private Island Story:
  Travis recounts a luxurious (albeit, more affordable than it sounds) private island experience in Belize, underscoring the enjoy-life ethos. [18:33–20:04]
• Meta-Humor & Producer Banter:
  Frequent, self-aware jokes about editing, podcasting, and influencer grifts keep the tone light and relatable. [20:09–20:41]

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Important Timestamps

• Passive Income & Warren Buffett Quote: [02:03–02:21]
• Debt: Use or Avoid? [03:17–04:19]
• Belle Delphine’s Bathwater Story: [07:52–08:53]
• Minimum Wage & Automation: [11:39–13:53]
• Focus on Making Money, Not Spending Less: [15:18–16:22]
• Andrew Tate on Car vs. House: [17:11–18:08]
• Belize Island Story (Enjoying Wealth): [18:35–20:04]

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Tone & Takeaways

• Language & Tone: Casual, humorous, direct, often irreverent—packed with personal anecdotes and off-the-cuff commentary.
• Core Advice:
  • Don’t hyper-focus on scrimping pennies—find ways to grow your income.
  • Debt can be a tool, not just a trap—just use it carefully.
  • If you’re running unconventional businesses, use platforms that won’t freeze your money.
  • Big financial philosophies aren’t one-size-fits-all—nuance matters.

Final Thought (Travis):
"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." [20:42]

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For listeners: This episode is a must if you want an honest, sometimes sideways look at the mantras shaping modern money—and if you like financial conversations with a side of jokes, memes, and real-world practicality.

Transcript

[A]

You're listening to the Travis Makes Money podcast, presented by GoHighLevel.com for a free 30 day trial of the best all in one digital marketing software tool on the planet. Just go to gohighlevel.com travis. What's going on, everybody? Welcome back to the Travis Makes Money podcast, where it's our mission to help you make more money. Today on the show, my producer, Eric is in studio with me. What's up, man? Can you hear that? My voice is sick. Why are you sitting there staring at me?

[B]

Oh, you said to shut up right before you hit record.

[A]

Oh, well.

[B]

So am I allowed to talk?

[A]

Preferably when we hit record? Yeah.

[B]

You sound a little sick.

[A]

Do I?

[B]

Yeah, but it's okay. I was sick the other day and I still, you know, powered through. Powered through.

[A]

You got to actually. What's the alternative?

[B]

Completely out of commission for a full day.

[A]

Were you. Yeah, yeah, it was bad, luckily. Well, I mean, knock on wood. There's no wood around here, but knock on wood somewhere. That hopefully doesn't hit me as hard as it hit Jackie because she got it, like, really bad a couple weeks ago.

[B]

She may have had what we. I don't know. We had the worst. And I. I couldn't even open my eyes because I felt like my eyes were so sensitive. So I went to Applebee's because you shouldn't. Interesting. No, we were traveling. I drove. I drove to California.

[A]

That's right.

[B]

With my eyes almost completely closed, which you also shouldn't do. And then we got there, and then we had to go to dinner with my wife's brother. And I was wearing sunglasses at like 7pm in the Applebee's because the lights were so bright. And I just look a cool dude.

[A]

That's what everybody there was.

[B]

I look like the guys. Well, I was back in my hometown, and I just look like the guys in my hometown that never left my hometown.

[A]

Yeah.

[B]

And they're like, I do wear sunglasses that Applebee's. That looks sick.

[A]

They did it to. To cover up their red eyes from smoking weed.

[B]

That's true. Well, I don't agree with going to Applebee's when you're sick, generally. And I want to ask you about some quotes that people have said. I want to see if you agree or disagree.

[A]

Okay.

[B]

With them.

[A]

Let's do it. Like, I like this one.

[B]

I always forget. Do you like when you know who it is before I say the quote?

[A]

No, no, don't tell me who it is, because then there's no biased answer for Whether I typically agree with that person or not.

[B]

If you don't find a mate. Wow. First one. If you don't find a way to make money while you sleep, you will work until you die.

[A]

Yeah, true. Okay, I agree.

[B]

Good.

[A]

I agree with that.

[B]

Warren Buffett.

[A]

I mean, I felt like, I felt

[B]

like you knew that was Warren Buffett.

[A]

Actually. No, I don't think, I don't think I did know that was Warren Buffett, but that makes a lot of sense coming from him.

[B]

Here's one. You'll know who this is, too. These are, Some of these are too easy. Debt is normal. Be abnormal.

[A]

That sounds like a Ramsey deal.

[B]

It is. I didn't want to read the last part of the quote because I knew you'd know what it was.

[A]

The debt is abnormal.

[B]

He said, we are slaves to the lender. I knew that would be immediate because you picture him with the chain.

[A]

Yeah.

[B]

I love that Dave Ramsey expresses his BDSM kink on stage. He just. I need to remember that for future content.

[A]

But again, that'll hit with a certain

[B]

audience I'm trying to think of. Yeah, that, that's funny. Okay, sorry.

[A]

That's, that's funny. Mark that down in your comedy folder. Yeah.

[B]

All right. You like that one?

[A]

Yeah, Yeah, I like that one. I, I tend to not agree with it, though. I mean, like.

[B]

Yeah, I, you tend to not agree with it?

[A]

I tend to not agree with it. Like, for the most part.

[B]

Oh.

[A]

Like, I have multiple times leveraged debt to make an outcome happen when I didn't have, when I wasn't flush with cash to be able to do the same thing. So, yeah, I, I, I completely understand where he's coming from. And I completely understand for a lot of people, if they've, if they have some sort of, like, trauma from the past related to debt that they've gotten into, why they're not eager to get back into debt. And for the most part, I, I, I have, I will say I've changed my tune because of people like Ramsey over the last four or five years, because before it was more like, hey, leverage as much debt as you can, whatever. And I'm definitely not in that boat anymore. Now it's more just like, you can use debt, just be as intentional and careful as you can about the debt that you incur, because there are real life consequences that come from putting yourself in too much debt. But I also, I also think that debt can be a good thing when properly leveraged.

[B]

Only fans made me a multi millionaire. Haters stay broke.

[A]

I definitely don't know who said this.

[B]

It was Dave Ramsey. Yeah. Wouldn't it be funny if he was doing that on the side with like an alternate Persona?

[A]

That would be fantastic with the chain.

[B]

Just like we have a theme going, we're building something. This is like Michelangelo when he's sculpting the Mona Lisa.

[A]

Yeah. So follow Ramsey on Only fans at POV Chains.

[C]

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[A]

Right.

[C]

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[A]

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[C]

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[D]

This episode is brought to you by Nespresso Introducing Vertuo up, the latest in a long line of innovation from Nespresso. It's innovation you can touch, sense and taste in every single cup. With a three second start, easy open lever and dedicated brew over ice button, it's even easier to enjoy your coffee your way. Sip for yourself. Shop Virtuo up [e-mail].

[A]

yeah, that's his onlyfans. Now who said that?

[B]

Is it Bella or Belle? I don't know Belle Delphine. I don't know who that is.

[A]

And probably an Onlyfans creator.

[B]

Bella Delphine.

[A]

What exactly was the quote again?

[B]

Oh, I do know who that is. Do you know who that is?

[A]

No.

[B]

Okay, I know who that is.

[A]

I think she's an Onlyfans screen.

[B]

I think she's the one. Guess I know who this is.

[A]

What was her quote though?

[B]

She said onlyfans made me a multi millionaire. Haters stay broke.

[A]

Interesting. So do you agree that, I mean,

[B]

you haters stay broke.

[A]

I have to agree. I have to agree that Onlyfans probably did make her a millionaire and that haters do stay broke in general.

[B]

Yes, I knew this is who this is. Yes, I knew. Yes, I know who this is. Okay, this is crazy and it's finance related. You ready? Yeah. Okay. In July 2019, adult content creator and influencer Belle Delphine sold jars of her gamer girl bath water for $30 per unit. The viral product marketed toward her followers sold out quickly. Within three days, she made $90,000 in gross sales from the endeavor. Following the high volume sales, PayPal froze her account, temporarily withholding her profits.

[A]

Oh my gosh.

[B]

That's crazy.

[A]

That is crazy. Did it say that PayPal ended up releasing the funds?

[B]

I should have done this in perplexity because there are.

[A]

There are some, you know, merchant processors that probably would not want to underwrite those sort of transactions. Did PayPal that's funds $90,000 in bathwater sales.

[B]

Yes. PayPal eventually released the funds in 20. In 2024. Nearly five years after freezing.

[A]

Wow.

[B]

Her account. Wow. Dang.

[A]

So if you're going to sell the takeaway here, if you're going to sell your bath water online.

[B]

Whoa.

[A]

Don't use PayPal or Stripe or one of the core.

[B]

What should you use? What's your preferred.

[A]

Oh, you got to go deposit.

[B]

Just wire me the money.

[A]

Deposit. No, no, no. The company.

[B]

Oh, there's a company called Deposit.

[A]

D, E, P, O, S, Y, T. Deposit. Deposit with a Y. It's Daven Patricia's.

[B]

It doesn't sound. It sounds great.

[A]

It's the Carlins company, but I trust them just for merchant processing in general. But it's more like a flexible payment process.

[B]

I want to give you an example scenario of something I want to sell. Would you guys allow this transaction? What's crazy? Wait, wait.

[A]

Let me. Let me see if he'll actually answer.

[B]

Are you gonna call him?

[A]

Yeah, that'd be funny. Let me see if I can call him.

[B]

Just say, hypothetically, if. If someone were to sell their bathroom, call Dave Carlin.

[A]

See if he answers.

[B]

He's like, she's one of our esteemed clients. Make sure you tell them we're on a podcast.

[A]

Yeah.

[B]

Can you tell us some very personal information? He's with Rick Cross right now. It's busy.

[A]

Or Rayquan.

[B]

It's good content. That would have been great. Thanks for calling Deposit.

[A]

Sorry we missed your deposit.

[B]

Oh, there you go.

[A]

I'll just leave him a message.

[B]

Real quick text on this number. Get back to me. Have a great day. The mailbox is full and can accept any messages at this time.

[A]

Thanks a lot, Dave. Okay, goodbye.

[B]

Shout out. He's got. What's funny is he's going to call you back tomorrow and you're not going to remember why you reached out. You're just like, I know it's something important. All right, let me express why I was calling.

[A]

All right, let's see. He may or may not call me back, depending on how busy he is right now. But, yeah, they are. They've spent a lot of money building this platform and rolling it out over the last few years, but they've been huge in the merchant processing space process. Like $3 billion in transactions or something like that. But, yeah, depos would be who I would suggest using the more flexible merchant processing terms.

[B]

Yeah. Anyway, what's crazy is then Squatch Soap did the Sydney Sweeney Bathwater Edition.

[A]

They did. And I remember that one.

[B]

PayPal froze their funds. I'm just kidding. Yeah, I don't think there was any bath water in the soap.

[A]

You don't think so?

[B]

It was just a. I think it's like. I think it's like when they say there's beef in a taco at Taco Bell. That's. It's like, hey, the products might be great.

[A]

Oh, like there might be beef, man. It wasn't him. Spam caller.

[B]

Oh, ask them.

[A]

Yeah. Hey, excuse me.

[B]

Anyway, okay, next quote, 15 minimum wage kills small business robots. Win either way. Or win anyway. Let me be specific.

[A]

I tend. I tend to agree with that. I tend to agree with that. It's not necessarily 15 minimum wage. It's just that the continual increasing of low skilled labor will eventually force a lot of small business owners to outsource it to robots rather than human beings. If you continue to make them increase the, their, their labor costs at some, at some point. Even with robotics being like right now, it doesn't make sense. Right, because robotics are. So this is your fix.

[E]

I am your host, Stassi Schroeder. Welcome to to Tell Me Lies, the official podcast. What's the most unhinged thing of season three?

[D]

Steven because he's so evil, I do

[B]

think he is misunderstood.

[A]

You see everyone face consequences.

[B]

It's intoxicating.

[E]

The writers just know how to trick. Yeah, there's always a twist in this show. Tell Me Lies, the official podcast, January 6th and stream the new season of Tell Me Lies January 13th on Hulu and Hulu on Disney.

[A]

Expensive to, to like the, the capital expenditure is too expensive for that business to bring into their business and replace the $15 an hour minimum wage employee. But as the costs of robotics and AI and artificial intelligence, all that stuff, if, if, when, if the, when the cost of that starts coming down and then the cost of labor continues to get forced to increase, at some point there's going to be a level where they're looking at their expenses and they're like, actually it makes more sense for us to buy this, this $60,000 robot because we can put, buy it one time, put it in the business and it can work for the next 10 years rather than having a human being who is going to have time off, who we're going to have to fire and then hire somebody else and then retrain them and all the cost that goes along with that, plus the benefits and the insurance and all the other things, and then this person's going to complain and that person's not going to do a great job and this person's going to call in sick and we're going to have to continue to increase the money that we're paying to them. The margins are going to get shrunk even more. So it makes sense to me that at some point that's going to, it's, it's just the, the cost is going to become so obvious for the business owner that it'll just make more sense to outsource it to a robot instead of a human. So, yeah, I tend to agree with that.

[B]

That was Elon Musk.

[A]

Okay. I mean, a little bit of a biased piece of advice from him because he happens to be in A company that's manufacturing robots. So they're obviously. But, but it doesn't make him wrong obviously. I think, I think he is actively pursuing that to get people to be able to have a robot in their home for 30, 40 grand just like you can finance a vehicle purchase. So yeah, it's a, it's one of those things where it's like a societal problem that, that I don't know what to do about because it's like, does it suck? Yeah. But also the small business owners can't continue to incur the cost of just increasing people's wages just because they need more money. It's like I don't have more money to give you. You know what I mean? Like Walmart might be able to afford it. Yeah, Walmart might be able to give all their employees raises to 25 an hour. They would be able to go into the coffers and shrink executives bonuses and things like that. But then you're just, all you're doing is just making it impossible for the mom and pop small business owner to compete with those big box companies because they literally can't afford to do it. Their margins are just getting shrunk to nothing and they'll be forced to increase prices which will flow back down to the people who just got the raise and make it impossible for them to afford Life at the $25 an hour. You know what I mean? So yeah, I, I tend to agree with that.

[B]

Rich people focus on what they make, poor people focus on what they spend.

[A]

Yeah, I'd say that's true. Who's that?

[B]

Ramit Sethi.

[A]

Yeah, he's great. I will teach you to be Rich I believe is his book. But yeah, that, which is the whole purpose for the show is to try to help people focus on learning how to make more money rather than focusing on things that they're going to go spend their money on. But also that's why I like people. I like his type of advice more so than the Ramsey brand overall. Just because the only thing about continual delayed gratification over the course of a 30, 40 year time frame is that we have no guarantee of tomorrow, let alone a guarantee that we're going to live till we're able to pull money out of our 401k. So if you're, if you're sacrificing living life now for the pursuit of better financial future, I think you might come to regret some of those decisions later. I'm not saying you will. And everybody's situation is wildly different and maybe you need to be a part of the Ramsey Tribe New. You know, that that nuance of. Of don't spend any money on anything and get rid of your debt and all that, and that might be very applicable for you right now. But that's the only question that I would raise is just like, well, what about what? Like, your kids are only going to be 6 and 9 once, so if you want to go on vacation with them, you're going to have to figure out a way to be able to do that without sacrificing your future financially. And to me, like, the. The way to do that, the best. Maybe the only way to do that is just to focus on increasing your income so that you can do both.

[B]

Let's give you one more. One more. Are you ready? One more. Oh, this one's from my personal favorite influencer.

[A]

I feel like you're being sarcastic right now.

[B]

It's my personal favorite. He taught me everything I need to know about life.

[A]

Okay.

[B]

Said your car costs more than your house. You're poor.

[A]

Well, yeah, I agree with that for sure. Who said that?

[B]

Who do you think? Who's my favorite influencer, bro? I buy all their stuff, their courses, listen to podcasts all the time.

[A]

That would imply that this person has courses.

[B]

Yeah.

[A]

Does Grant Cardone?

[B]

No.

[A]

I don't know.

[B]

Better. Better than that?

[A]

Better?

[B]

Better than that. It's my favorite. He's my favorite. I quote him all the time.

[A]

No, you don't. This is my grifter that you don't.

[B]

This is my favorite influencer, bro.

[A]

Tai Lopez.

[B]

No, better. I modeled my whole life after this guy.

[A]

Andrew Tate.

[B]

Yeah. Dude.

[A]

Is it really?

[B]

Yeah.

[A]

Well, he's right about that one.

[B]

Isn't he great?

[A]

I'll agree with that one.

[B]

I think he's pretty great. I think, like, he's kind of the guy, you know, in the war room.

[A]

If you want to model your life after somebody, it's gonna be Tim.

[B]

Andrew Tate. Yeah, that's him. Anyway, so you agree. You agree with this statement?

[A]

I do agree.

[B]

This specific statement.

[A]

That particular thing that he said does make a lot of sense.

[B]

Yes. It's like when you. It's like the Elon Musk quote. I was going to say my other favorite Elon Musk quote. What day and or night will be the wildest party on your island. We with that one. We don't agree with. Yeah, don't like that.

[A]

Don't like it.

[B]

Don't like that.

[A]

Out of context. It's, you know, it's.

[B]

It could be fine.

[A]

Yeah, right.

[B]

That's a big issue.

[A]

A lot of people have islands.

[B]

A lot of islands out there.

[A]

That was actually. You know what? There was one when we were in Belize. Some friends and I. I feel like

[B]

this is going to be in a deposition in three years at this point. Just don't talk about it. If you travel anywhere, just please don't say no. No. We were in Belize.

[A]

We rented an island and Belize. But it was. It was just. I mean, it was an island technically, but it just wasn't that big of an island.

[B]

It was like the one in parts Caribbean that they strand Jack Sparrow on. Yeah.

[A]

Or it's like exactly. Probably smaller than that. But it was like one of the most peaceful, serene, like sunsets I've ever experienced in my life. Because you're literally just out in the middle of the ocean. So you, you get on a, A boat at the, you know, marina or whatever and then they drive you or, you know, drive you. They drive a boat, ride a boat. They give you a ride. Well, we didn't have.

[B]

They ferry you.

[A]

Yeah, they ferry you a couple miles offshore to an island. And that was awesome.

[B]

Honestly, it was super cool when you did that. Was it like you camp on the beach?

[A]

No. There's a house or was there a house? There's a house on the island with like four or five different bedrooms. And then they had a, like living quarters for the private chef and the maids. And there's like a couple security guards there and stuff. So when you check in, everything's all inclusive. So they just had a. A cooler full of beers and a bunch of bottles of liquor on the shelf and then they'll restock everything. Every meal is prepared by the chef and then the maid comes in and cleans up everything afterwards. It was absolute, like 10 out of 10 would recommend. It was really awesome.

[B]

Yeah. I'm trying to think of how I can edit this clip to make it. To make it so.

[A]

Why would you do this to me?

[B]

I don't know. I'm trying to think I ruined your life.

[A]

Think how I could destroy everything you've worked hard to create.

[B]

Okay, well, thank you so much everybody for listening on that one. I just immediately pictured like the edit is like we rented an island. I'm trying to think of like, if I put like just. Even if I just leave it as is, but with sinister music.

[A]

Yeah, the music is really.

[B]

They had guards there with a couple like, just like the guards were there

[A]

to keep people flashes on the screen of some emails.

[B]

Yeah, probably not. Let's. Probably not do that.

[A]

Yeah, please don't do that.

[B]

We'll go ahead and close this out.

[A]

Let's stop for those listening. Remember, money only solves your money problems, but it's easier to solve the rest of problems than money in the bank. So let's solve that one first here on the Travis Makes Money podcast. Thanks for tuning in. Catch you next time. Peace.