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Announcer
And we're live on Matchday as Doug reaches for a buffalo wing. He's got it. Oh, and he's gone for a can of Pepsi, too. What a finish. There's no doubt about it. It just tastes better. Match days deserve Pepsi.
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 our mission to help you make some more money on the septic show. Oh, look, a little money thingy. Thank you for that. My producer Eric is in studio. If you can't tell, hey, call me
Eric
Eric Cash, because we're going to bring some value today.
Travis
Well said.
Eric
Hey, yeah, so I have a topic today. This is another clip you sent me, and then you said we should talk about this on the show, so. As you wish. And what does as you wish mean, Travis?
Travis
I don't know.
Eric
It means I love you. What the hell? Have you ever seen Princess Bride?
Travis
Yeah, but a long time ago. I don't remember any quotes from the Princess Bride.
Eric
When he. What?
Travis
None, Zero, Zilch, Nada? What that may.
Eric
He says. Because he says a. I don't remember
Travis
that part for sure.
Eric
When Wesley would say as you wish, what he was actually saying is, I love you. No, he gets pushed down the hill and he goes, as you wish. And then.
Travis
I haven't watched that movie in probably 20 years.
Eric
And then they do the part where they're on the boat, and he goes, no more rhyming. I mean it. And then he says, anybody want a peanut? And it rhymes.
Travis
Oh, no.
Eric
You don't know. Inconceivable.
Travis
Okay, yeah, I know that one. Yeah, I know that one.
Eric
And when he says, you, you only thought the cup was poisoned.
Travis
I do remember that part, actually.
Eric
Yeah, you remember that.
Travis
Remember the part where he, like, slowly poisons himself so he can have a higher tone?
Eric
My name is Inigo. Montreal.
Travis
Both of them were poisoned.
Eric
You killed my father. Prepare to die.
Travis
Yeah, yeah, yeah. Okay, I remember.
Eric
Do you remember that?
Travis
I remember a couple of the famous ones.
Promo Announcer
Marriage.
Travis
Nope.
Eric
With the priest.
Travis
Nope. That's it.
Eric
All right. Okay. Well, anyway. That's crazy. That's a great movie.
Announcer
Yeah.
Travis
Just don't have.
Eric
It's a great movie. You should watch it again. All right, here we go. How much money above average people have, Travis?
Travis
Oh, yeah, yeah. Okay.
Guest or Additional Speaker
Yeah.
Eric
This Is a good one. Okay, good. Great. Okay.
Narrator or Clip Voice
This is how much money you should have for every age. According to the Federal Reserve, the household median net worth for someone under the age of 25 is around $11,500. And for someone between the ages of 25 to 29, it's $35,600 and so on.
Eric
That seems so low to me. 25 and 29 for household income, 35,600 net worth. Oh, no. Okay, never mind. Never mind. Yeah, yeah, never mind.
Travis
So net worth.
Eric
But I mean, that still seems low.
Travis
It's still crazy. But also probably goes into the idea of, like, housing is crazy unavailable these days because that's. That used to be, like, the time where people buy their first house, they start building a little bit of equity. No, no longer.
Narrator or Clip Voice
Here's what the above average looks like. You can see that if you're in the 75th percentile, that means you're ahead of three out of four people your age.
Eric
Percentiles are so confusing to me.
Ad Voice
Yeah.
Eric
Because when, you know when your kids go to the pediatrician and they're like, they're in the 90th percentile and you're like, oh, is that okay?
Travis
Yeah, because.
Eric
Because wait, 90th means they're 10%. That's weird. Yeah, because I was like.
Travis
It's an odd way to phrase, but what is that?
Eric
Can you explain to me since we're on the show, you're educating people. How does that make sense? Because, like, I. Because they would say, like, in height, she was always like, 99th percent. Like, she was super tall.
Travis
Yeah.
Eric
And I was always like. But that sounds like you're saying she's like 99% of people are this size.
Travis
Yeah, it does sound.
Eric
But why do they say that? Explain percentiles.
Travis
I don't. I don't really know exactly what the verbiage is, but that's. What I know is that if they're in the. If they're in the 90th percentile, that means that they're freakishly large. 10% of the country in that thing. If they're in the 50th percentile, then it's like they're 50. 50. If they're. You know what I mean? If they're in the 20th percentile, then 80% of kids taller than. Than they are.
Announcer
So.
Travis
Yeah, it's just like it sounds. It sounds backwards.
Eric
Yes.
Travis
Yeah.
Eric
It sounds like she's been top 1% is what I always. I was always like, oh, she's short.
Mr. Wonderful
Yeah.
Eric
Yeah, she's she's not growing. And they were like, no, no.
Travis
She's actually really tall, you know.
Eric
Anyway, I. I get. When it comes to the penile, I'm in the 99th percentile. I don't know.
Travis
Good one.
Eric
All right, let's keep watching.
Narrator or Clip Voice
So for the bracket of 25 to 29, for example, to be considered above average, you need to have $147,600 in household net worth. So across the board, that means you need roughly 2.5 to 3 times the amount that the average person has to be considered above average. Now, you don't need to earn more money to get there. Usually people.
Eric
I hate these little mics. I hate these DJI Osmo. And I hate how it looks.
Announcer
Really.
Eric
I hate how they look on people's shirt. I think it's so stupid looking. It's the worst.
Travis
I just prefer to hold it because it just looks like a little.
Eric
Yeah, that's better. I hate, I hate, like the little puffy and all that and the clips.
Travis
Well, my question is, like, why don't you just have a lav.
Announcer
Yeah.
Eric
That are smaller and look nicer and you can roll it up. Yeah, that's what I do. Yeah, I need to do it.
Travis
And a lot of them come with lab attachments.
Eric
Yeah, it's. It's just. I hate it. It's like when people hold lavs. That bothers me.
Travis
Holding a lab is. Yeah, yeah, yeah.
Eric
Look. So you got a clip on it, bro. All right, let's keep watching. Sorry.
Narrator or Clip Voice
Humphrey percentile. They just ended up investing early. They stayed consistent and they lived well below their means. That is illustrated between the ages of 30 to 55. So you can see that the median person goes from $100,000 to $411,000. That's roughly four times their net worth in 25 years. But the above average person, they go from $210,000 to 1.186 times the gap that you can make.
Eric
That's crazy.
Narrator or Clip Voice
20s and 30s is going to be the one that actually compounds for the rest of your life. And I will have a separate video
Eric
that's like 100x starting a little bit later.
Narrator or Clip Voice
So say you're starting from 0, 100, 150. As always, let me know in the comments what you think. I'm a number net worth. And if you're already thinking about this
Eric
stuff, the only context where he's like, let me know your age in the comments. And it's not creepy. Okay.
Travis
That's what's interesting to me though, about that Is that if you just get started younger, the compounding makes it to where it's like, it seems like such a small number, which is like that video sent you the other day about the Kevin o' Leary thing. Talking about on iced Coffee hours.
Eric
I saw that come in and I didn't watch it.
Travis
Yeah, he basically said, did you text it to me?
Eric
I don't remember if I Instagram, but
Travis
he basically said it's he for like a kid making $60,000 a year but spending 28 on lunch. That. He said that that's just a dumb move.
Eric
I do. I do. Hold on. I want to watch the video because I feel like I. I get annoyed with those takes.
Travis
But this was.
Eric
But I agree.
Travis
This was take. The one I sent you was from Gino.
Eric
Yeah. Okay, let's watch it.
Travis
Yeah. Who had a comment about that. And he agreed with you, saying that, like, this is a stupid take. Like, that's just what lunch cost.
Eric
Wait, so wait, hold on. So I just want to be clear with what you just did. So you're saying you. You just said you sound like Yokuru. Gino's take. And your message to me said, this is.
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Promo Announcer
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Travis
You could say that again.
Promo Announcer
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Travis
Now we party.
Eric
This is incredible.
Promo Announcer
Wow.
Travis
I am clearing the rest of the day.
Promo Announcer
Disney and Pixar's Hoppers now available on Disney plus, rated pg.
Eric
Geno's dumbest take so far. So in a roundabout way, I'm calling you dumb. You're saying I'm a big dumb, stupid guy.
Travis
Yeah.
Eric
Let's watch it.
Travis
Disagreed with the take.
Announcer
That's all.
Eric
Let's see. Let's watch.
Narrator or Clip Voice
Okay.
Travis
I like most of his takes.
Guest or Additional Speaker
Kids that are making 70 grand a year spending $28 for lunch, I mean, that's just stupid. It's just. Think about that in the context of that being put into an index and making 8 to 10. 8 to 10% a year for the next 50 years.
Travis
Interesting.
Mr. Wonderful
Hey, Mr. Wonderful, why don't you shut the ever loving wonderfuck up. I'm sorry, I can't do this in the cardi's. Guys, it's time for a pit viper mega rant.
Eric
Pit viper.
Mr. Wonderful
Do you know why kids are spending $28 on lunch? Ke? Because lunch costs $28. Now I'm sure right before the Uber driver on his lunch break bought a Subway footlong and a bag of kettle chips for 25 bucks, he's thinking, God, what if I put this lunch money in an index fund so in 50 years when I'm 87 years old, I can have $50,000 saved up, which after inflation will be worth about $10,000 today. Or 40 Trump bills. People making $70,000 a year aren't not getting ahead because they're spending $28 on lunch. It's because everything else is so goddamn expensive, including but not limited to the price of food. Have you thought about just not eating? Fatty. You indulgent fatty. Fatso, why are you eating lunch at all? Grab a Quest protein bar, drink a tall glass of water and get back to the workshop. These toys aren't going to make themselves. Get to tinkering. God forbid you get food delivered.
Eric
Oh, what'd you order?
Mr. Wonderful
A teriyaki chicken bowl from Goop Chicken. Why don't you just pour your money into a bowl and light it on fire instead? That'll be $40. Just stop eating. Every time you put food in your mouth, you're lighting $28 on fire. You can't leave the house without spending $28 anymore. Even when I'm not leaving the house, I get a notification from Apple that they're taking $28 out of my account
Eric
for some app that does drive me crazy. And you don't know what some of
Travis
these are necessary if you can.
Mr. Wonderful
If you can starve yourself for 10$28 lunches a month, that's $280 a month. That's one Trump$250 bill. And if you stack that up over a year now, you've got generational starvation. The money you're saving in index funds is now indexing in your stomach. And your appetite for passive income will actually feed and nourish you. The elite upper class wants you to eat Snickers bars during your 10 hour shift at the data center. And quit your bitching. Eating good food is for poor people who want to stay poor forever. You know what I had for lunch today? $28 in Vanguard.
Promo Announcer
Oh, what?
Eric
I'm going to.
Mr. Wonderful
I'm going to go to A cafe and spend $8 on a latte. Why do that when I can put that in an index fund and grow that $8 at 10% over 50 years, that's 80 cents.
Guest or Additional Speaker
Can't stand it when I see kids.
Eric
So I. Okay, okay, wait, hold on.
Travis
There's nuance here.
Eric
Of course, now there's nuance, but the.
Travis
No, it's silly.
Narrator or Clip Voice
It's.
Travis
It like. That's clearly not exactly. What he's saying, though, is. My thing is, like, you can take and assign some additional.
Eric
The thing is, Mr. Wonderful is such a hateable person.
Sponsor Voice
Exactly.
Eric
And I think, of course, he leans himself in Marty supreme in many ways, but. Okay, I agree with Kevin in all areas.
Announcer
That's it.
Eric
I agree with Kevin. What I took it as when I watched it. Okay. To me, okay, here's what I'll say. This is what. Clips like this annoy me. It's the same thing. I was just talking with somebody about this the other day. One of the most annoying things ever is when there's like a, you know, Francis Ford Coppola is being interviewed, you know, or some director that blew up in, like, the seventies. Yeah. And they. It's such a running meme now at, like, Q and A's, where they're like, what's your advice to young filmmakers? And they go, there's this little device in your pocket. It's a camera make. If we had access to that, we would make movies on that, and we would, you know, go out there and just make a movie.
Travis
You got a little.
Eric
Everybody in here has got a cinema camera in their pocket, you know, and it's like, yeah, but also, that doesn't really, like. Because there's so much of that. How do you break through the noise and how do you get distribution and all this sort of stuff?
Travis
And it's like, oversimplification.
Eric
Yes. And I think it's the same thing where it's like, millennials can't afford houses because they're eating all this damn avocado toast. And it's like, well, that's probably not it. So if I'm taking a generous read of Mr. Wonderful, which I hate to do, but I'm going to do it, I would say he's saying, quit having these lavish, expensive meals all the time and then complaining you're not getting ahead. Which I agree with. With what Gino's saying. I also agree with the fact that things are just more expensive. So, like. Exactly.
Travis
That's my thing, is two things can be true. And my, like, my broader take on it is more like it's not necessarily the 128 lunch that's killing.
Eric
It's doing that every day.
Travis
It's the habit of continuously thinking that because you have a job that entitles you to be able to afford all the luxuries that we now have available because we have so many luxuries now that we just didn't used to have. But it's like throughout human history, people have bought food or grown food and made it at their house. Like, and I'm not suggesting you have to grow your own garden to be able to save money, but like, it's still hella cheaper to buy groceries and make your lunch. Like, and, and if you're going to be like, oh, Well, I work 10 hour days, I don't want to make my lunch, like, okay, that's fine, but you're just not going to have any money left. It's just, you have, it's a recognition of both of those things that. Yes, it like literally the other day Jackie came home and she bought a burrito from I think like Cafe Rio or something and then bought three or four donuts. Four donuts for like, obviously one for each of us. And the donuts were like $25 for four donuts. Which blows my mind because donuts used to be like 4 cents, you know what I mean? Like, they were the cheapest item that you could possibly buy. And then the burrito was like $22, like for four donuts and a burrito, it was almost 50 bucks. And she went and picked them up and it's like, prices are great. They're astronomical.
Eric
And the cost, the cost that that's gonna put on you guys in the way that's gonna affect your health. That's what I'm worried about.
Travis
Thank you.
Eric
I wouldn't, I haven't eaten a donut in years.
Travis
Really?
Eric
I haven't probably. I haven't eaten a donut this year.
Travis
Really? Yeah, I've had a couple.
Eric
Yeah. But anyway, I get what you're saying.
Travis
It's more about spending habits. Like if you are somebody who is constantly spending $28 on lunch, you're probably also the same type of person who's getting the Nikes instead. Or you're, you're buying the, these sunny
Eric
Adidas Crocs instead of the regular Crocs.
Ad Voice
Yeah.
Travis
It's just you're. The, the habits that you are putting into your life are probably of somebody who's overspending on everything and then wondering why they're not getting Ahead. And the point that we talked about the very beginning of this, which is that the younger that you start putting money away, the more compounding works for you. So it's not necessarily about like skipping lunch or, or eating a PB&J every day that you pack before you go to the office. It's more just like say no a couple of times a week and then put that money into something to allow you to experience the momentum that you can create for yourself at that young of an age with just a little bit of money. So it's just, it's more to me just speaking about your spending habits are probably bad. If you feel like you deserve to go eat a $30 lunch because you can technically afford it, but then you're whining about how you don't have any money in the like, it's like, well, again, two things can be true. You can recognize the pricing is insane while also just choosing to eat at home or choosing to pack a lunch. Yeah, it's just still significantly cheaper to do that. So it's more. It's not like that was just a micro example of what the spending habits of somebody that he's talking about look like, which will affect your ability to build long term wealth for sure. But obviously. Sorry to cut you off, but obviously the core premise of this show is to focus on the income part so that you can spend 30 bucks at lunch and not have to think about it because you're still also contributing a thousand or two thousand bucks a month to your investment account or your retirement fund or something like that. And then you can spend the 30 bucks without having to think about it because you've learned how to increase your skill set and be more valuable to the marketplace or to your job and you figured out how to make more money. So it's like, I agree with both takes, but in different scenarios for different people. And to me, always, it's never a one size fits all things.
Eric
I think what I was going to say before being rudely interrupted was Gino kind of made a good argument for Mr. Wonderful in the middle of that where he said, if you skip 10 lunches and put that. And I was like, yeah, if you skip 10 lunches and you just fast those lunches and put that money somewhere, that could be an interesting strategy.
Travis
Like 10 lunches, 300amonth, which is $3,600 a year, which if you do that for 10 years, that's a lot of compound. When you started doing that when you're 20 years old, what that's going to be when you're 65 is is is ridiculous. Like when you start factoring in and looking at the cost of items in terms of what it's going to cost you in the future, then it might make sense to skip a couple of those lunches. And frankly, most of America is eating too much anyway, so it might not be a terrible thing for your health to skip one.
Eric
Well, listen, I'm not gonna let you be fat phobic and crap on the lower income earners of this country. Travis well, it's not the lower income. That's like I should we should only respond to each other like we're in a May mayorola mayor mayoral debate Mayoral debate. Yeah. You know what's dumb? Why is mayor debates mayoral debates. President is presidential and then governor is Goober. Was it gubernatorial?
Travis
Is that the realtor?
Eric
Yeah. The goober. Is it goober. Goober. Yeah. Gubernatorial.
Travis
That's a wild term.
Eric
Anything related to the governor or position of governor that seems like they called the gubernatorial debate.
Travis
That seems like way too much work
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Travis
PC come up with a new term gubernatorial. The other ones just add two letters at the end.
Eric
I'll tell you this, there's quite a few goobers in these goobernatorial debates. You sure live up to the office there, pal. Why don't they just call it a governor's debate?
Travis
I don't know.
Eric
The debate of governors. Gubernatorial. Gubernatorial.
Travis
That's a wild.
Eric
Can't believe you didn't know that.
Travis
I did not know that.
Eric
We learned on this show. Anyway, I thought it was interesting skipping a few meals. There was one more thing I was going to say, but I don't remember. Do you have anything really good stuff. I had something about it, but the main thing I was going to say is he kind of argued that point in a way. Oh, I was going to say with food. Food and health. I did realize I was like if I bought a rotisserie chicken every day.
Announcer
Yeah.
Eric
Like 200 bucks a month.
Announcer
Yeah.
Eric
And I could get what I need.
Travis
It's $5. Get a little Broccoli for, like, it's. I actually looked it up recently. The Costco chicken. Yeah. Rotisserie chicken.
Eric
Is that good?
Travis
What do you mean?
Eric
They're rotisserie. Is it as good as people? Because there's, like, lines for the rotisserie chicken. I've never eaten rotisserie chicken.
Announcer
Yeah.
Eric
Is it better than a typical rotisserie chicken?
Travis
Honestly, I have not eaten the chicken off of the actual. Because Jackie basically buys them, and then she makes this really cool, delicious chicken salad out of it.
Eric
Oh, okay. So you've never had. Just strips all the chicken off our chicken. Never makes it. We put on the counter, and we start ripping it shreds with our bare hands.
Travis
Yeah. I mean, it.
Narrator or Clip Voice
It's hard. Not.
Travis
It's a pretty good hack for five bucks. It's like. It's. I think I want to say it
Eric
was like Whole Foods, $2 off every
Travis
Tuesday calories and like, 200. It was like, this is like a. If you just ate a rotisserie chicken a day.
Eric
Well, I. I can't, but I. But I. But I do, like, for certain days, I've done that. It's like, I just eat that in hot sauce, and, like, I eat it till I can't eat it anymore.
Guest or Additional Speaker
Right.
Eric
And I don't have to worry about anything.
Travis
I just. I don't know.
Eric
So get rich.
Travis
As a young person, I just, like. It never was important to me to eat that type of food all the time. I just ate what I could afford, and it never, like, I never looked at it as, like, oh, like, how terrible of a situation I'm in that I could only eat ramen or a grilled cheese or whatever.
Eric
I just, like, don't just miss when you could eat ramen and grilled cheese every day.
Travis
Dude, honestly, that's a fire meal. We still do that, like, probably twice a month. Because I make some pretty good grilled cheese.
Eric
We've been just ordering such healthy food lately, and it's like, that is expensive. And I'm like, wintertime, we just eat macaroni and grilled cheese.
Travis
Cold outside, grilled cheese and some. Some. What's that? What's that? One company Hot and ready, I think.
Eric
No, no, no. Little season.
Travis
Just a grilled cheese and a pizza.
Eric
Dude, that sounds good.
Travis
No, they're. They're. It's like hot and hot and something hot and spicy or something.
Eric
Oh, yeah, yeah. Those big tubs. Yeah.
Travis
Bowls of ramen that you get.
Eric
What's good here? $1.29 Migusta tacos in Vegas has. Has a birria ramen, where they put it in the tapatio ramen container. That's so good.
Guest or Additional Speaker
Good.
Travis
That has to be good.
Eric
And it's got a lot of sodium in it. But that's. That's probably my favorite Mexican place in Vegas.
Travis
Anything biria like, I'm sold. Yeah, yeah, it's fine.
Eric
Tara makes really good beer. Yeah. Does she? Y. Well, he cooks, like, all day.
Travis
Upset that I don't.
Eric
Well, she hasn't made it since we moved back. All right, well, anyway. Is that.
Travis
Yep.
Eric
Yeah. Get us out of here.
Travis
That is. That is it for this episode of the show. Remember, expect.
Eric
How do we get to g. I didn't expect it. This episode just grew. It took a life of its own.
Travis
They really did.
Announcer
Did.
Travis
But that's what happens when you're having a good time.
Eric
Look at us, you know?
Travis
Anyway, that's it for this episode.
Promo Announcer
Show.
Travis
Remember, money only solves your money problems, but it's easier to solve the rest of your problems. Money in the bank. So stop spending $30 on lunch and put it in the bank instead. But that's it for this episode of the show. Thanks for tuning in. We'll catch you guys next time.
Guest or Additional Speaker
Peace.
Episode Title: CO-HOST | Make Money Without Obsessing Over Every Dollar
Date: June 24, 2026
Host: Travis Chappell
Co-Host/Special Guest: Eric
This episode tackles the debate around personal finance advice that fixates on cutting small expenses (like your daily lunch or coffee), versus focusing on earning more and building better spending habits. Travis and Eric blend humor, pop culture banter, and real-world money realities to offer a balanced (and entertaining) look at what it actually takes to get ahead financially in today’s world—where inflation and high costs have made old-school advice less practical. The episode emphasizes the importance of both spending wisely and raising your income, rather than frugality to the point of sacrificing quality of life.
| Timestamp | Segment Description | |-----------|-------------------------------------------------------| | 00:48 | Princess Bride banter, relaxed intro | | 02:14 | Net worth by age and percentiles explained | | 03:53 | Percentile confusion, humor about medical stats | | 04:55 | Being “above average” and compounding power | | 07:52 | Parody clip of financial gurus and $28 lunch debate | | 13:09 | Spending habits vs. entitlement and real costs | | 15:07 | Habit changes, small savings, and investing early | | 17:53 | Rotisserie chicken, affordable food hacks | | 20:49 | Travis on accepting basic meals when younger | | 22:24 | Closing: “Money only solves money problems...” |
Final Thought (Travis, 22:25):
“Money only solves your money problems, but it’s easier to solve the rest of your problems with money in the bank. So stop spending $30 on lunch and put it in the bank instead—but that’s it for this episode. Thanks for tuning in!”