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Travis
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 a mission to help you all make some more money today on the show. My producers in studio. What's up, man?
Co-host
Hey.
Travis
Rocking the dolly part merch.
Co-host
Can you. This shirt is a small. I have lost so much weight in the last.
Travis
No, it's not.
Co-host
No, it's actually an extra large.
Travis
It's looking baggy, though. It's a baggy xl.
Co-host
It's been baggy from day one. Okay, well, so is my body.
Travis
Just trying to give you a compliment.
Co-host
I'm described as baggy. It says it on my passport. Baggy eyes, blue hair, brown body. Baggy.
Travis
Baggy.
Co-host
That'd be horrible if they really said that. Anyway, if you had to put your
Travis
body type on your id, that was fat.
Co-host
Like, thank you. Or it's like, it's kind of like eye color where you tell you think it's hazel. You're like, oh, brown. And then you put in there like medium or husky.
Travis
Skinny, fat.
Co-host
Yeah. And then they're like blob large. That was the most embarrassing, humiliating thing of my journey childhood was we would go, you guys wore uniforms, right, at school?
Travis
No.
Co-host
Oh, really?
Travis
We did not.
Co-host
Okay, so we always wore school uniforms and we bought them from Dennis Uniform Company, which thankfully is out of business now. Suckers. Look who's laughing now. But anyway, companies selling uniforms, catching a stray, all of those people 20 years later. Because you deserved it. Anyway, anyway, so Dennis Uniform Company, we'd have the school uniform sales and we'd get my size and I would try on a pair of pants and they wouldn't fit, even though they were my size because they fit a little tight. They were like a twill, if that's right. Material that navy blue. Anyway, everybody in Vegas wears Them. Because there's uniforms at, like, every school.
Travis
Our kids have uniforms.
Co-host
Yeah, it looked pretty much like that, but it was for my size at the time. But anyway, there was. There was always, like, a larger version of the size that, like, was a little stretchy or had a wider waist. And that was labeled husky. And so every year I would be like, no, I don't need the husky. I can get into the, you know, the 26, whatever size pants. And then it was like, nope. But I fit perfectly in the 26 husky.
Travis
Gotta go with the huskies.
Co-host
So I had a nice. But I had a nice butt, though, for a long time.
Travis
So thanks for clearing that up.
Co-host
No, I always had a really big derriere. And then I got really sick my first time going to India and I lost all of the meat in my hind section.
Schwab Announcer
Yeah.
Travis
Yeah.
Co-host
So in case you guys were wondering,
Travis
said goodbye to the juicy tushi.
Co-host
So all that to say. I want to talk a little bit about big purchases.
Travis
Okay.
Co-host
That's a great, smooth transition. Wait, why did we start talking about pants and uniforms?
Travis
I don't know.
Co-host
Oh. Cause I was just saying I got skinny because I've been working out like a legend.
Travis
Oh. Yeah.
Co-host
And I've been in a caloric deficit for the last eight days. So I fall asleep on the podcast. I'm sorry. Or if I lose my train of thought because I'm foggy right now. That's why. No, I wanted to talk about big purchases because I know one of the things that you always tell people is when you make that first big chunk of money, go out and blow it on something really cool. Don't do an investment. Don't buy an asset. Buy a toy. Buy something super fun for yourself.
Travis
Jet skis.
Co-host
Yeah. So I'm curious, when you've got your first time that you perceived to be getting a big chunk of money, what did you blow it on?
Travis
Well, I think you know the answer to the question is that I did not blow it.
Co-host
But I didn't even back then.
Travis
No, but I think. But I honestly owe a lot of that to my parents. They. They were just really good at managing finances. They're very frugal people. And I know my dad might be listening to this, so maybe too frugal at times, but your dad checked out
Co-host
when I started talking about my barrier.
Travis
He moved on to the next episode. But. But yeah, they were.
Co-host
Turned the volume up. He's like, I like where this show is going.
Travis
He's going to love this. They were almost like frugal to a Fault like they were just very, very clear.
Co-host
Yeah.
Travis
About their finances and, and used them for meaningful things. And I remember there was one time, I remember the Transformers movies came out and the Camaros were like the thing because they launched it on the first Transformers movie, the new Camaro. And I remember my dad was like, we would send pictures of Camaros to each other or whatever. And then. Well, there's one time I was just like, why don't you just buy one? Like I know you could buy a Camaro. Like it's not a, we're not talking about a Lamborghini, it's a Camaro. Like the nicest one at the time was like, what, 40 grand or something.
Co-host
That's what guys get when they get their signing bonus for the military.
Travis
Yeah. So exactly.
Co-host
Check what I got.
Travis
And then. But at the time it was also, I think I was like, I was either late high school or early college or something. So it must have been 2010 to 2011 somewhere in there. And in Lake LA, which was like, Lancaster, California is already not a great town. Lake LA is like far east Lancaster and it's a one stop light type of like just crazy bad meth town. But anyway, because of the correction in the market that happened during that time, there were houses that were out there that were $40,000, $50,000. And so he was just like, I just can't bring to buy a car for 40,000 when I know I could go buy a house for 40,000. And that always, that always kind of stuck with me. I was like, that makes a lot of sense, to be honest. Like, like that.
Co-host
I bet he wishes he bought more of those $40,000 houses now.
Travis
Yeah, yeah, for sure, for sure. I think everybody does. So I, I always had a sense of frugality. It, it was really difficult when I first started making money because I was making more money than most 19 year olds, most Tony, most 20 year olds doing sales. Especially because I was like part time salesperson in college still and working 20 hours a week. But you know, even in college, before I did it full time, I was making like 70,000 or so a year when I was like a team leader and we had, we were like running all cylinders. And so that was good enough income to go buy something nice. But. And I had friends that did it. And then that was the part that made it more difficult for me because I really wanted to like be the guy because like everybody in that world like knew that I was good at what I was doing and knew that I was Making decent money. And so like, I wanted to be the guy to have a new car to come to campus and show off to everybody, but I just, I couldn't bring myself to do it. And I actually tried to buy a condo in Lancaster at the time, and I couldn't qualify because I wasn't working long enough. Even though I had good enough income, I didn't have enough work history for them to like give me a loan and stuff. And I ended up. It was like, it was a long story short, it was a short sale. And so the, the approval price from the bank didn't end up coming back for like 14 months after we made the offer. And then we were already gone and bought our first house and couldn't afford to do both at the same time. But I wish I could have picked up that condo because it was. It was like $36,000 or something like that and probably now is worth a couple hundred thousand. But anyway, I just, even, even when I started making money at that, at that age, like, it's not like I would not ever buy myself anything, but it was just like it was smaller things, you know. So like my first big bonus check when I was doing door to door when I was in college, I bought new set of golf clubs and it was like a thousand bucks or something like that. And my bonus was like 3,000. So even then it was like I wasn't. Any rewards that I was giving myself were still.
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Travis
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Travis
disclosures like I, you, I think it's important to reward yourself is what I'm trying to say. But not to the degree where you are limiting your own potential to be able to reward yourself further later on. And that's where it stops making sense. So even like when, when I started doing door to door full time and making and bonus checks, I got like a $8,000 bonus check one time and my reward was I took Jackie to Ruth's Chris and that was like the thing that was a cool thing to be able to do. It was like a $300 dinner. And at the dinner I got on the phone, a customer from that day of knocking doors like had called me and I got on the phone and sold a deal at dinner because it made me feel better about paying for the meal that I was there for, you know, so like it's not like I'd never rewarded myself, but also like not the decision to not get myself a really nice car. Also let me buy our first house that, that, that we got into for a really good price and then ended up making, I don't know, like 35 grand on that to be able to buy another house. And then that enabled us do this other thing and it was just like, yeah, I, I, I think that you should be willing to reward yourself. But I also think like items and things never made full sense to me unless I could do it without thinking about it.
Co-host
Yeah.
Travis
You know what I'm saying? Like, so I just sort of have rules for myself is like, if I cannot afford to pay cash theoretically for this thing, that I don't want to finance it regardless if I'm going to pay cash or not. I, I want to be able to know that I could do it. Should hit the fan, you know what I mean? So I've, I don't, I don't know, maybe that's just in my personality. But also I think, I think a lot of finances are hereditary. And so I was, I was lucky to have very frugal parents and pick up on some of those habits early on. And it wasn't even just picking up on the habits. It was also that I could see the reward of their frugality. I could see that like, oh, they bought these four houses instead of buying this car and that other thing in this crazy expensive vacation or whatever. And now those houses are worth four times what they paid for them six years later. And I saw the Actual direct financial impact that that had on their lives. To make a good decision now that your future self will thank you for. And so I was lucky enough to learn some of those lessons early on and then have maintained that throughout the course of my life, too.
Co-host
Yeah, I was. I'm trying to find the name of the restaurant, but it just reminded me when we got married, me and my wife, not you and I. When we got married, we went to. We had very little money, and so we went. I scraped money together, and then we went to the Ritz Carlton Inn, Rancho Mirage, which is gorgeous to this day. That's a super nice hotel, the Ritz Carlton. Ever heard of it? It's pretty nice. I'm just gonna vouch for them, trust me. That was really funny because I was so excited because I had all my life. It was like, one of those names. You're like. It's so elusive. It's like, people talk about the Ritz. We're staying in the Ritz. And I was so excited to be like, hey, guess where? So I didn't tell her until we were literally leaving the wedding. And I said, we're staying at the Ritz Carlton. She said, what's that? And she'd never heard of it. And I was like, how'd I just pay for name?
Travis
Just stole my blessing.
Co-host
Yeah. I was so excited. But. But then what's really funny you just reminded me of was, like, with Ruth. Chris is. I remember we went to Laguna beach after, like. So we went there for a night, and then we went to Laguna beach and stayed a couple days. And I told her we got, like. We got, like, pizz and stuff. And I was like, we have enough money to do one nice meal while we're here. So we were doing, like, pizza. We had, like, raising canes and all this stuff. We're like, just. Which is fine in Laguna Beach. Cause you're just hanging out, you know.
Travis
Yeah, Laguna's awesome.
Co-host
And. But then, like, one day we went for lunch and I got, like, a steak. And I was like, oh, yeah, look at that. You know? And I was like, that was such a big deal. And the bill was probably $85.
Travis
Yeah.
Co-host
But it was just. She always remembers, like, okay, we can get one good meal while we're here.
Travis
Dude. I remember thinking that even, like, when I started making money in Fresno, because we'd go out and this is the first time I ever experienced, quote, unquote, going out. And I was like, I know that I'm making more money than the rest of the People that are here because I know that I'm the top of the sales leaderboard every month, and they all work for the same company, and I know I have a higher pay scale. It's like, I know I'm making this money. And it always blew my mind to see how comfortable people were with spending 150 bucks buying, like, multiple rounds of beers at a bar. And at the time. Time, I was like. My version of going out was like, we go to Chili's and we split a meal, and the bill's $26. You know what I mean? And it was like, even at that time, and I was making six figures, knocking doors, and I was like, you're gonna spend how much? Like, we could just. There. There's a gas station next door. Like, we can eat food. We can pick up a six pack for 12 bucks and go home and drink. Like, why are we. I don't think so much money like that.
Co-host
About beer.
Travis
Yeah. Alcohol in general. I feel like that a lot.
Co-host
The only thing I'll say, honestly, but this is a big determining factor of how often I go somewhere is, like, the cigar lounge I just went to with you recently. Their drinks are super affordable, I think, compared to a lot of other lounges that are similar. Like, I think I want to say it was, like, 10 bucks or something for the.
Travis
For pretty good drinks.
Co-host
Yeah. And, like, that's the stuff where I go, like, okay, it's an experience. It's part of this. I'm having a cigar. Like, that's fine. But, like, I still struggle unless I'm somewhere where, like, it calls for, like, wine.
Travis
Right.
Co-host
Like, I always am. Like, do I really want to get a drink for 16 bucks when I
Travis
can buy and I'm gonna have to drive home.
Co-host
Yeah.
Travis
So, like, I don't want to.
Co-host
So definitely give me four of those.
Travis
Yeah. Well, that's my point is, like, I'm gonna. There's gonna be a cap to how much I can drink here at the restaurant anyway, and I'm just gonna overpay for it. Like, I may as well just drink when I get home, like you said. Unless it's like. Like, I'm having this burger, and I love having a beer with this burger. Or I'm having a steak and I want some red wine with it. Like, more like treats. Like, even when we're on date night, it's like, yeah, we could sit at this bar and drink. But also, if I'm gonna have this drink and I can get it there, I may as well just go get it there or so I can go
Co-host
to a station casino and get a
Travis
two dollar margarita Margarita, bro. With an extra shot.
Schwab Announcer
Dude.
Travis
It's like four bucks.
Co-host
And, and that extra shot hits it
Travis
well, like it tastes like a real margarita. It doesn't taste like a drink. Like when I first saw it, I was like, two dollar margaritas. I'm sure it's just like syrup.
Co-host
It's not what they bring you at the slot when you're like, yeah, exactly.
Travis
And you're like, it's like there's actual alcohol. Like we went, we went to station last night after date night and, and got a couple margaritas. The total bill was like $8 and 20 cents for, for both of them. So. But I will say though that the, the time that I'm okay spending more money on drinks is if you're at like a specialty cocktail bar. Because I do like the almost like it's almost like drink craftsmanship. You know, it's like true mixologists where they're, they're actually really good at what they do. And the cocktail is really interesting and a really unique mixture of flavors. And it's like I can't make. Even if I had the ingredients, I would not know how to do it. And if I tried it, it would not be as good as this person who does it professionally. So yeah, I'm gonna, I'm gonna have this, you know, whatever martini or this old fashioned or this like just interesting CoC.
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Travis
jobs now at McDonald's a McDouble is $2.50. So you can get your gym gains
Co-host
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Travis
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Co-host
It's not my Jack and Coke, but yeah, exactly, exactly.
Travis
Order a Jack and Coke.
Fanview Sponsor
Yeah, exactly.
Travis
Like I can do that in my house for hella cheaper. And if it's a beer, it's like I can go down the street and just buy a six pack and go back home. So yeah, I just don't, I don't know, I just, I, I don't see the value in spending a lot of money on things like that. I, I, if, if I've ever overspent on anything, it's probably experiences that, that, that I've like there's probably been times where it's like we couldn't technically afford in my mind the way that I like to structure things. We couldn't technically afford that trip at that time. But also it was pretty cool and I don't regret having spent that money on that thing.
Co-host
Sure.
Travis
The first time I went to Australia I was like, I had really no business going. The only reason I was, the only reason I justified the trip was because there was a podcast conference there and I wanted to just be completely involved in everything that I could be in that world. So I spent the money to go to Australia. We're there for like two or three weeks. Went to all of New Zealand on that trip. We saw a bunch of Australia there for like three weeks. And then the connection with the person who's running that podcast conference the next year I got flown out to Speak and got my trip paid for, which was really cool. So like there's some things like that that I've spent money on where like I said, it didn't. It would not have fell under the typical financial parameters. I would like to see it fall under in order for me ultimately in order for me to spend the money. But, but for the, for the most part, experiences are things I just don't ever really regret spending money on because it sort of makes up a, you know, good life.
Co-host
Well, with everything you just said, what's your take on this thought from Logan Paul? He's the founder of Lunchly, you know
Travis
him as the co founder of founder. Had just made like around a million off of YouTube when we first started vlogging before the merch really popped off and I bought the $400,000 lifted G wagon. That was your first, like basically half. It's a fire.
Co-host
It was sick.
Travis
But like I basically spent all my money and it was the first time I was like, oh fuck, I gotta work now though. And it's kind of nice because it gives you a little motivation to like upkeep, keep going and like you can't stop now.
Co-host
Yeah.
Travis
And Jake, Jake too just recently has made some insane purchases and it motivates him to keep fighting.
Co-host
So what do you think about doing that where it becomes Kind of a motivator, like, oh, I'm in over my head, I have to maintain this.
Travis
I've heard that take before and for a long time I wildly disagreed with it. I'm coming around to it a little bit more because it's sort of like Logan Paul and a Jake Paul. Regardless of what you think about them as people, they're different, they're unique personalities, they don't think the same way that most people think. And so a lot of it comes down to having a little bit of self awareness and knowing how you're going to operate. And I have found that to be true for myself in some instances where it's like I sometimes work better with my back against the wall because it like forces me to continue going out and creating things. But if you're like in a 9 to 5 with a job and you have no ability to control how much money is coming in every month like you, you don't have the direct impact on your own personal take home income, then that's probably not the greatest move. Maybe if you're like in 100% commission sales or like that, that might be a little bit different. But the problem with that thinking is that you better be doing something like what they're doing where you like. They're, they were making videos and vlogging and like they really, really obviously thoroughly enjoyed that and wanted to continue doing it and wanted to continue building this massive career around this thing where the future potential was, was really unlimited because it's in the creator space and they obviously ended up doing really well. But if, if you're doing something that you don't like and you're forcing yourself to like, you make a big purchase like that and then view it as like, oh, this is just motivation for me to get back out there. But you're like, whatever, you're a car salesman and you hate selling cars. Bad idea. Because you're just handcuffing yourself further to this vehicle that you don't want to be in and then you're not able, you have no flexibility, you can't be nimble, you can't make quick decisions. So I've always found a lot of value in keeping my lifestyle, my burn as low as I can because I know that I have a fickle personality when it comes to what I want to be working on and I want to be able to maintain some level of flexibility to be like, oh, I don't like doing this thing. Well, that's all right, we can just, we can just suck it up for a little bit, not eat out as much during this time period and shrink our expenses a little bit and then I can focus on this next thing which I really want to be doing. So if you, if you're in a space where you don't want to be, then this is a objectively bad decision because it's just going to handcuff you further to the thing that you don't want to be in. But if you're working on something you love and you're passionate about and you're, and you're in your creative mode and you're working on your unique skill set and the craft that you have and whatever, and, and this purchase is meaningful to you, which I think it makes a huge difference. Like for me, buying a crazy expensive car or buying a crazy expensive whatever watch or something like that is not something that's like super meaningful to me. But some people it might be, maybe, maybe you just love, love, love watches and you, you've just been a fan of collecting watches and you know everything about watches and you study watches in your spare time because you like learning about it. It's like that might be more meaningful to you personally and that might be a big purchase that you might want to make, in which case that's fine to do is like I said, as long as you're not putting yourself in a bad position, as long as you're working on something full time that you actually genuinely really like to do and you have the ability to control how much money you make next month versus how much money you made this month based on the volum putting into it, then something like that could be an accountability partner of sorts to make sure that you're not dropping the ball and just accepting a lower version of life because you're too afraid to make big purchases because you know that means you're going to have to work more next month. So it really comes down to a self awareness issue like who, who are you? What is your personality type? Do you work well in these situations? How reversible is this decision? Right? So like if you buy a really nice luxury watch and you know the watch market and you know that you could turn it around and list it for sale within 30 of owning it and you could probably offload it and make the same amount of money that you paid for maybe a little bit of profit or maybe just a tiny bit of a loss, like that's a little bit different than, than like making a massive purchase on a big house or something like that where it's like, well, you just signed a 30 year mortgage and you know, market's not in a great place and if you go to sell it, you might lose 400 grand or something on this house. You know what I mean? Like that there's, there's different levels to the decision making and one of them is like, is this a reversible decision? Do I have do do is it my to thrive in this environment or do I feel more stressed and anxious and it makes me work, you know, worse, I'm less productive. I feel like this. So I think it's very nuanced for, for most people, but like I said with like Jake, Logan, Paul, people like this, you know, they obviously clearly think differently than most people do and that might be something that's effective for them, but they probably don't do it in a way that's ever going to ruin them financially. Except for like that first one where it's like, this is my first big purchase. And then you learn the lesson that that was a dumb thing and I'll do it differently in the future. But like, you know, some of the, like they're talking about Jake making big purchases or whatever. It' okay, but he's probably gonna be fine even if those go south, you know what I mean? He's probably gonna be just fine. So just don't do anything that puts you in a position where you're gonna have to go sleep on somebody's couch again with your family, you know, in the spare bedroom type of thing. But ultimately I think it comes down to self awareness.
Co-host
Right. Well, I'm aware that we're out of time.
Travis
Good one.
Co-host
I was trying to think, sometimes you throw the ball to me and I'm like, oh, nope, you do that. You close us.
Travis
Well, that is it for this episode of the show. Remember, money only solves your money problems. Procedures solve the rest of your problems when you got money in the bank. So let's start there here on the Travis Makes Money podcast. Thanks for tuning in. Catch you next time. Peace. Some follow the noise. Bloomberg follows the money. Because behind every headline is a bottom line, whether it's the funds fueling AI or crypto's trillion dollar sweat wings. There's a money side to every story. And when you see the money side, you understand what others miss. Get the money side of the story. Subscribe now@bloomberg.com.
Episode Title: CO-HOST | Make Money Without Losing Your Financial Freedom
Host: Travis Chappell
Release Date: May 12, 2026
This episode focuses on finding a healthy balance between enjoying your wealth now and building a secure financial future. Travis Chappell, joined by his co-host, discuss the importance of not depriving yourself, the lessons learned from their own big purchases (or lack thereof), and the mindset required to make money without becoming financially handcuffed by lifestyle creep. Key debates include whether making a major purchase can serve as motivation and the nuanced advice for listeners at different life stages or career types.
This episode offers a realistic, motivational, and practical guide to making money decisions that sustain both present enjoyment and future prosperity—without sacrificing your independence.