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I was recently on whatnot the other day, just shopping around, looking frankly, because I was just blown away that this is something that people are doing with their time. And so I was like, I got to go see if this thing is real before I talk about it on the show. And so I'm browsing whatnot, looking around, finding things, and it's crazy to see the volume of people that are just having fun in the chat. They're watching people do live shopping. It's like, it's like, you know, QVC directly on your phone. It's something you need to try, I'm telling you. Not just buying, but the selling piece too, where these people are just starting up pop up shops and businesses, selling whatever product, finding their people, building community, getting repeat customers that come back to see your face as the seller. Not just a logo or a brand, anyone can sell. Whether your business is big, small, or yet to exist, people selling on whatnot sell 10 times more than on any other major marketplaces. And that's because you're not just listing products, you're building real connections with buyers across whatnot. The number of sellers making over $1 million a year has now doubled. The consistency pays off for those sellers. It's not just side hustle, it's a real path to building something that lasts. Because whatnot buyers spend more than an hour a day in the app, they're not just browsing around, they're engaged, they're buying, they're coming back. You go live, show off your products
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in real time and turn what you
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love into real income. So search whatnot whnot in the app store, download it today and get started selling right away.
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You're listening to the Travis Makes Money podcast. What's going on, everybody? Welcome back to the Travis Makes Money podcast where it's our mission to help you make a little bit more money on this episode of the show. My producer Eric is with me in studio as usual and we have a guest co host as well, Bran Berkmeyer from the Brands on Brands podcast. What's up fellas?
C
What's up? It's not what you know, it's who you know.
B
That's what I've heard.
D
The wrong show.
B
Somebody told me that.
D
Wrong show.
B
Well, it's negative, similar. It's in the past. If you go earlier in this feed, you'll hear that a lot.
D
Hey, but you know what? Right now is a gift.
B
That's why it's called the present, not the Pastor Oogway.
D
That's the kind of stuff you Say, around Christmas.
B
And people go, master Oogway departs. Imparts a lot of wisdom.
D
Master Oogway departs. Is he traveling?
B
Well, he also departed.
D
He did, yeah.
B
He became little flowers and became one with the universe.
D
I saw. I've only seen one of those movies.
E
Really?
D
Yeah.
B
Kung Fu Panda.
C
There's a movie about Uruguay, the country.
B
It's Kung Fu Panda. Great film franchise.
C
To be honest, my son used to call Panda Express Kung Fu Panda food.
B
Nice.
D
Why haven't they collabed? That feels like a home run collab.
B
It does feel like a home run collab.
D
Oh, I had a great collab idea the other day. Oh, it was lush. It was at the Bath Bomb store.
B
You really like this Bath Bomb store, huh?
D
Dude, I've spent so much money, you have no idea. And you know, like a little bubble bath at the end of a hard day.
B
I can't say that is something I've ever done.
D
Little Epsom salt, maybe I'm. Rose petals. Anyway, but you know, the snitch in Harry Potter, they catch. I was like, that would be a great bath bomb.
E
That would be.
D
Because imagine the marketing. It's just holding the snitch.
C
Hermione was the snitch, right? Always telling on people.
D
Oh, that was a good pun. Anyway, so here's a clip here I wanted to watch. And it's about.
C
It's a lot of cleavage in this
B
shot, I'm saying right now.
D
So there's a clip I wanted to get your guys take on in a minute. And you're like, I agree.
B
Yeah.
C
Is this from OnlyFans or is this from.
D
No, this is. This clip made me so mad. You know when you see certain content pieces and you're just like, shut up. This was one of them. And I didn't necessarily disagree. A hundred percent.
B
Some bias before we hit play, huh?
D
Yeah, I'm just trying to poison the well here. Like what you should think. No, but I see certain ones, though, where people. People jump right into, like, trying to be profound or like. And it just pissed me off. So anyway, I don't again. And I know I'm gonna bring this to you and you're gonna go, well, he's not wrong. And I get it. I'm not saying he's wrong. It's just his presence pisses me off.
C
And I don't say, shut up. But at a business meeting yesterday, I did say, I hate that.
B
Fair enough.
D
I saw a lawyer the other day, the divorce lawyer that makes rounds all the time, and he said, you know, I'M struggling in, like, court, where I say, you, Honor, I don't wanna get caught up in minutiae. They're trying to throw a lot of minutia in here, and I don. And I like that. That's kind of the same thing.
E
Yeah.
D
You know, but now I just go.
B
It's a good way to call their good points bullshit.
C
Yeah.
D
Yeah.
C
Now I just go, ew.
E
Ew.
D
Ew's good. Yucky is good.
B
It's like that sketch.
E
Yeah.
A
Ready?
C
Oh.
B
I told my boyfriend we need to cut back on our expenses.
D
And he said, first of all, what pisses me off about this is. I know. He said, babe, say that this thing to be my hook for what I'm about to say.
C
You know what really grinds my gears?
E
Yeah. This.
D
Here we go, y'.
A
All.
B
I told my boyfriend we need to cut back on our expenses, and he said, no.
C
Why?
E
Because we don't cut back. We make more people need to.
D
I hate how he went into that. Sorry. I'm sorry. We are gonna watch the clip. I hate it. It was like. It was like, hey, babe, why? Because people don't need to. It's like, shut up.
B
It's important that you show your cleavage so we have a good.
D
Shut up.
B
And then I'm gonna talk.
D
This is every time we do a video. Yeah. I mean, it makes me get out here with my two good points.
C
Yeah.
B
But unfortunately, they're all covered up today, so no good points from you today.
C
Okay. So for a second, like, what. What's fun for me is seeing thought leader content. But then it's purposely.
D
Here's. Wait here. Look. Wait.
B
Right exactly here. But, you know, there's this.
D
There's this one. Hold on. Here, I got you. So I was saying that we should talk. We should really focus on our branding. Why do you say that is for
C
the listeners out there.
F
This is.
C
This is being done right now with. With Nip out by Eric.
B
Eric is showing only my left hanging. Hanging Nip.
D
You don't get the pierced right one. Unless you pay extra, as they say.
C
Well, it's. It's fine if it's not on purpose, but the. When they're, like, giving legitimate business advice.
E
Yeah.
C
And they're like, why do people keep commenting? I'm like, you know what's going on?
E
Yeah, exactly.
C
I don't understand.
B
Yeah. There's. I mean, there's a fine line.
C
Yeah.
D
You know, where I just don't like the verb. The speed of which they're saying everything, but it feels too hooky Also like
C
really handsome men give, like just, you know, you're handsome. That's not why they're listening to you.
D
Like Omar Elatar. Well, all right, here we go.
B
I told my boyfriend we need to cut back on our expenses and he said no.
E
Why? Because we don't cut back, we make more. People need to understand how this works because you're playing two different games. The game of increasing your income and increasing the money coming in is an infinite game. There's an infinite amount of money and an infinite amount of different ways that you can go get it. And so there's side hustles, businesses, investments, all those different ways, but you can only cut back to zero. You can only cut back to your home, living on the street. And so that's called a finite game versus an infinite game. So there's a basement floor, but there is no ceiling. So in corporate you couldn't just double your salary overnight. Like it doesn't work like that. But with entrepreneurship and with our businesses we can do that shit. So I can just go work harder and make more money. And so what I do is I take me and your both of our dream lives, I multiply them by two because you don't want to save every dollar, you want to save 50 cents on every dollar that comes in and we just go make that money. And we've done that for four years. So we don't got a budget. This is what we do.
D
I mean, I know like you said, like you said, but also, but also.
B
And props to them for giving a good hook.
D
But also, but also.
C
Tell me more. Hate that guy.
D
No, but also. This advice though kind of annoys me too because like I understand the idea of like at a. In certain workplaces you're capped if you're doing stuff for yourself. There's an infinite amount of money out there.
C
Yeah.
E
No.
A
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Over the years.
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D
But the thing that bothers me though is that people give this advice and then people don't necessarily have the skills to actually do that. And also when the people like him that are like giving the idea that like, oh, we can't, we'll just go make more. And it's like, like the thing that bothers me about is like, it's, it's the guy that makes fun of like the 10x scene. It's like, I'll just make a billion dollars. Yeah, it's like, yeah, but at a certain point maybe cut back a little bit.
C
Yeah, exactly.
D
And then make the money and then spend. You know, like I was going to
B
say, I, I agree with the overall take. I mean that's what it's about is a, is trying to help people make more money rather than just cut more expenses. The one that we're on.
D
Oh, I thought you said, oh, wait, this show's about money. No, I thought you said his show and I thought you recognized. Did you think you said that I said this show?
A
This show.
B
Oh yeah, we were all speaking on currently actively.
D
Yeah, yeah.
B
So I agree with that. But the forgetting about budgeting thing I completely disagree with because like he sort of outed himself a little bit because he said that they save 50 cents on every dollar. That's a budget. Yeah, like you said, don't budget while also saying we budget.
D
It's just buzzword solid.
B
Dude, that's. Yeah, that's, that's.
D
It's a finite. There's a floor. And also it's not even your thought.
B
It's like the problem with that though is that people, even if people could take that advice and go 7x their income this year, if there is no budget and there's no discipline around your finances, the lifestyle creep is going to continue catching up to the amount of money that you're making. And then in three years from now there's a down cycle, you hit a bad moment in the Market, you have an obstacle you didn't see coming, and now you don't have any reserves. And now you. You have this monthly, you know, nut of $60,000 because you increased all of your expenses over the last four years.
D
You have a month now.
B
You have to cover it.
C
I was tracking.
B
Don't do that.
C
I was tracking.
B
Don't do that. See, this is what I deal with on a squirrel.
D
But, yeah, but see, if you. See, if you would have said that, he would have went. He would be like, look, Eric, that's called funny.
C
It's about timing.
B
Yeah, yeah. Learn timing, huh? Yeah, but that's the, that's the whole, the whole point, though, is that you're at, at some point that's a, like, that's just a bad idea that you want to. The idea is to maintain the level of discipline that you build when you don't have a lot of money coming in and then work on getting more money and then keep that same lifestyle for a significant period of time so that the gap between what you spend and what you keep, it continues to raise. And you take that money and then go fortify yourself against future potential obstacles that you may have to overco.
E
Come.
B
Yeah, because it's not always up and to the right. There's going to be down times and downturns, and you might invest a lot into this idea that you think is going to make you more money, and then all it does is lose you money and lose all the money that you invested into that thing. So, yeah, you, you. I agree with the core premise, and that's what the show's about. But there's also. It comes with the caveat that the, the, the people I'm trying to tell to go make more money are the Ramseyites.
D
Yeah.
B
Are the people who've already got this part taken care of. They're disciplined with their finances. They have a budget. They understand where their money's going. And now it's like, you've already done that. Well, you can't continue just saving and cutting and saving and cutting. Like, the time that you're taking to cut coupons and drive 15 minutes out of the way to go to that gas station because it has $0.12 cheaper per gallon gas. Like, that's what I'm talking about is like those extra hours that you're putting into cutting, you know, $190 a month from your budget should be going into making more money because your ability to earn will significantly outweigh your ability to cut if you've already Taken care of the normal lifestyle bloat that most people incur as they start making more money.
D
Yulika, you have thoughts on this?
C
I kind of think the same. I think when we worry about, like, you're. You have to save more. There's some stress there. That seems like the advice you hear a lot. So he's going the alternate route. But I think, for me, I think if you wanted to use money as leverage to make money, which is, you guys have some good ideas on that, you have to find that money first. And if you didn't have it to start with and you can't just go make it, then you might have to save a little to then be able to deploy it, to make something with it, if that makes sense. And the way I think about it is when I was starting my business,
B
when I left corporate and was trying
C
to make money from nothing, it was, how do I create Runway? And the best thing that I did or we did as a family was we talked about our finances. What are we actually spending? What do we have? Because my wife was still working. So then me quitting essentially means she's funding our life, and is that sustainable? So understanding your finances, number one. But then Runway, and I'm like, if I'm going to do this for a while, what are some of our options? One of the things that happened is when we were looking to upgrade our home, it became a stressful conversation. We're living in California, very expensive Los Angeles, and instead, we completely pivoted and moved to Raleigh, North Carolina. And guess what? Like, selling a house where there was a lot of leverage and money stuck in the house and moving to somewhere that's a lot less money created a ton of leverage.
B
Delta.
C
Yeah, that could be. We could then generate. And honestly, you guys want to do something funny to make money? Like, if you have a house or whatever, own it for five years, wherever you are, move somewhere cheaper. Yeah, I don't mean cheaper. I mean, like, if it's possible, it's impossible for everybody, I'm sure. But, like, if you were working remote, like, what if, like, we moved to Raleigh, if I had to move again next, like, we could move from Raleigh, which is now blown up, to somewhere in, like, Georgia or whatever. Like, Savannah, Georgia, I think was coming up, or whatever it is, like, and create more Runway in the network. There's ways to do that. I'm not saying I'm not a financial advisor, but I'm saying if you're thinking about Runway and how do I create that, limiting your expenses There might be some ways to do that.
E
Yeah.
B
Limiting your lifestyle gives you more freedom. Yeah. This episode of the show is brought to you by Chime. Chime is changing the way that people bank. They offer the most rewarding fee free banking built for you, not the 1%. Chime members can benefit from up to 11 $50 in annual rewards. Fee free direct deposit unlocks the most rewarding way to bank at chime. It's rated five stars by USA Today for customer service with real actual human humans 24 7, which is enough to do the thing by itself. People, come on. You're not just switching banks. You're upgrading to America's number one choice for banking. With a Chime checking account, you get 5% cash back on a Chime card. And category of choice, like gas or groceries, you get savings to grow faster with a 3.75% APY, which is nine times higher than the national average. They also have Spot Me, which lets you overdraft up to $200 fee free. And you can even get up to $500 of your pay when you say with something that they call MyPay. My younger self would have benefited from this and you will too. Chime is not just smarter banking. It is the most rewarding way to bank. So join the millions who are already banking fee free today. Head to chime.com travis that's chime.com travis only takes a few minutes to sign up.
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Chime is a fintech, not a bank. Banking services from MyPay and ChimeCard provided by Chime's bank partners. Optional products and services may have fees or charges. Stated annual percentage yield on cash back for Chime prime only. No minimum balance required. Checking account ranking based on a J.D. power survey published October 20, 2025. For more information on APY rates, MyPay, CP, Spot Me and travel perks, go to Chime.com disclosures this episode of the
A
show is brought to you by AG1. I don't know about you, but I feel like I've been traveling quite a bit this summer and I'm leaving again next week. But you know, one thing that has made it into my bag every single time is a little bit of ag1. Summer vacation means different bed, different schedule, healthy habits put on pause waiting for the fall. Except for the 30 seconds that it takes to mix AG1 one scoop plus 8 ounces of water every morning. AG1 helps maintain energy, support gut health and support immune health. And it's clinically shown to support gut health and fill in common nutrient gaps. It's a daily health drink with multivitamin pre and probiotics, superfoods and antioxidants. So one scoop 8 ounces of water, that's all you need. Even though summers your license to chill with all the late nights, long weekends, spontaneous plans. AG1 helps you keep at least one thing consistent. High quality nutritional support every single day no matter where you start your morning. I use this and you should too. Visit drink ag1.comTMM to get a free AG1 travel case with seven free AG1 travel packs in your welcome kit with your first AG1 subscription order while supplies last. That's drink ag1.comTMM
B
even.
D
Okay, we don't pursue five episodes in to say you're not a financial advisor. We've been.
C
Do not take my advice.
B
We thought that you were a financial advisor. We were going to post your license number. But yeah, the, the freedom comes from the lifestyle, like keeping your expenses low. And, and that's the like the playbook that most wealthy people that I've ever talked to on the show have all run by the way. So that like the, the thing that annoys me about the sort of vitriol online about it is that people are like, well how are you going to find a place to, you know, do that? Or like you can't rent for that little or whatever. And then you hear people sleeping on the floor of their business so that they don't have an apartment lease. You know what I mean? Like, like I don't know what to tell you. Like if you're not willing to make the trade off, that's fine.
C
Yeah.
B
But don't complain about the lack of results that you have because you're not willing to make the trade off. You know, so when, when I started the podcast, it wasn't making that much money. I knew I wanted to do it full time. Door to door sales was making me a lot more money than the podcast was. So what do we do? We broke the lease on our nice house in Vegas in a great neighborhood with a pool and a cool view and a nice part of town. I had to go find somebody to take over the lease so that we didn't get penalized for breaking the lease early. So I found somebody to take over the lease and we moved in with my brother in law in a two bedroom apartment. But my total monthly living expenses went from like upwards of 3,000 to 3,500 down to 500 bucks. And that was what enabled me to basically say, okay, I'm done with Door to door. I'm not knocking doors anymore. I'm going to pursue this podcasting thing. I took a massive cut in pay to do that, but that was the time that it was in startup phase. And it's like, well, what are you going to do? You know, it's like, if you want to pursue this path and you're not making as much money, then there's only two ways to do it. It's either continue doing what you're doing until this becomes a big enough income stream to be able to justify your current lifestyle expenses, or you do it now and you cut all the lifestyle expenses. Like, there's not a world where you just do both of them, where you're just like, okay, well, I'm just going to pursue this podcasting thing, even though that means I can't afford to live here anymore. We'll just kind of hope that we can figure it out at some point. It's no, just do make the next move that makes the most sense for where you want to be in two years from now, three years from now, five years from now, even if it means that you're going to subtract from your lifestyle. Because I went through a point where I was like, I felt almost like embarrassed or ashamed by the fact that I was like, you know, sharing an apartment with my brother in law. It was a two bedroom, we had our two big dogs.
C
It was pretty embarrassing for you.
F
Yeah.
B
And, and, but then I look back on it and I don't, I don't look at that time at all with any bad memories. Like, I remember that with good memories. Like, that was a fun time. Like, it was exciting. I was pursuing this new thing that I had no idea how I was going to be able to make this thing happen. But I was making three grand, maybe four grand a month or something like that compared to 150 knocking doors. But like, I knew that this was the path I wanted to go down ultimately. And actually right around that time, like when you and I connected the first time, the first call we ever jumped on was in that apartment.
C
Yeah.
B
When like things kind of started picking up a little bit. But I wouldn't, I don't think that it would have picked up with the same traction or to the same degree had I not been able to fully focus on that thing. And I would not have been able to fully focus on it had I stayed in the other house to hope that I could keep up appearances with some person who doesn't care about me on the Internet.
D
Well, and that's where it goes back to what he was saying is, if you're having that money be the fuel for that next big leap, which is like. That's the thing that Bosnian people are like. Money is like water and it's a current. That's why I call it currency, whatever. All this stupid stuff. And it's like, yeah, it is this kind of fake thing that just exists in infinite amounts. But also there's, like, practical stuff. It's like the advice of, like, quit your job. If you don't like it, just quit your job. Be an entrepreneur. You'll be wealthy. It's like, yeah, you'll probably make more in the long term. But it's not this thing where it's like, oh, yeah, I'm just going to change my mindset and decide, like, we're good. It's like, nice price. Stay in your job till you have enough Runway to then go. Here it is.
B
Until you build some skills that are necessary in order to make this thing successful. Yeah.
C
What's Bosnian? You said Bosnian people.
E
What?
C
That's what you said, isn't it?
B
I think you said, bothers me when people bothers me.
D
Bothers me when people.
C
I thought he said, Bosnian people do this. I'm like, what do you have against the people of Bosnia?
D
I don't know.
C
I just think once you get any
B
hate mail, Bosnia is just catching.
D
How many successful entrepreneurs have you interviewed that are Bosnian?
C
I thought it was like, there's a Keynesian. I was like, another financial leader or something. I was like. And I was gonna make fun of you because I was like, it's a place, not a person. But it's neither.
D
Are you Tasmanian. You're devil, huh?
C
So back to the show.
D
Tasmanian. You devil.
C
You don't really grinds my gears.
E
What?
C
No. I thought you knew. No maple syrup.
D
I'm glad you derailed this one and not me.
B
That's usually an Eric job.
D
See? Why did you do that?
B
You just said it, too. I'm not allowed to piggyback on what you said. Now we're just getting. Now he's getting his feelings hurt. Is that all I ever had to do to get you?
D
I'm gonna walk out. We should do, like, a full radio show. I'm. I'm out of here.
C
Eric's and slam the door. A show called Eric's Feelings would actually do well. No, I would. There'd be so much.
D
That's the worst branding advice I've ever heard. Call your show Eric's Feelings. People tune in by the millions. Watch out. Howard Stern. Serious. Just signed a new deal. Eric's feelings. Here's what I'm thinking. I'll come on after Dr. Laura. That'd be really great.
C
Today's feel of the day.
B
I think I'm with Brandon on this one.
C
Coppa feel with Eric.
B
See, he has so much feelings right now. Look at the feelings that he's feeling.
C
I think you're great.
B
Well, that's it for this episode.
C
You know what?
D
Okay.
E
Go on.
C
That's my next book. You're great and you know it.
B
Yeah, that is a. I mean, probably people would pick it up. Anyway, that's it for this episode of the show. Remember, money only solves your money problems, but it's easier to solve the rest of your problems when you got some money in the bank. So let's start there. Here on the Travis Makes Money podcast. Thanks for tuning in. Catch next time.
E
Peace.
B
Hey, it's Ryan Reynolds here from Mint Mobile. Now, I was looking for fun ways to tell you that Mint's offer of unlimited Premium Wireless for $15 a month is back. So I thought it would be fun if we made $15 bills, but it turns out that's very illegal.
C
So there goes my big idea for the commercial.
B
Give it a try@mintmobile.com Switch upfront payment
F
of $45 for three months, $90 for six months, or $180 for a 12 month plan. Required $15 per month equivalent taxes and feeds. Extra initial plan term only greater than 50 gigabytes. Me slow when network is busy. See terms.
Episode: CO-HOST | Make Money Without Falling for Bad Financial Advice
Host: Travis Chappell
Date: July 24, 2026
Co-Hosts/Guests: Eric (Producer), Brandon Berkmeyer (from Brands on Brands podcast)
This episode of Travis Makes Money centers on the mindset and strategies needed to make more money—without falling for oversimplified or misleading financial advice. Rather than fixating on endless cost-cutting, Travis and his co-hosts discuss building income and responsibly increasing your financial capacity, with practical examples and open critiques of that “just make more money” advice so prevalent on social media.