Make Money Like Naval Ravikant

Summary

Podcast Summary: Travis Makes Money

Episode: Make Money Like Naval Ravikant
Host: Travis Chappell
Date: January 11, 2026

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Episode Overview

In this thought-provoking episode, Travis Chappell and his co-hosts dive into the philosophy and principles of Naval Ravikant—entrepreneur, investor, and author behind the cult-favorite "The Almanack of Naval Ravikant." Inspired by a viral Joe Rogan interview segment featuring Naval, the team debates if everyone can truly be rich, what “rich” even means, and why mindset and education may be more fundamental than penny-pinching when building the life you want. Blending banter with hard-earned insight, Travis and friends break down practical money wisdom for 2026.

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Key Discussion Points & Insights

Playful Banter and the Cult of “The Almanack”

• [02:52] The hosts joke about the performative status of reading "The Almanack of Naval Ravikant" in public, poking fun at the kind of person who might carry it into Starbucks just to look smart.

  • “If I saw someone reading that book in a Starbucks... I’d be like, this pompous asshole.” — Co-host C [05:30]
  • “It is one of the best books on success and happiness ever written.” — Travis [06:31]

• They riff on cultural perceptions around certain books and share inside jokes about the faux-intellectuals of self-help.

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Introducing the Naval Ravikant Philosophy

• [07:19] The center of the episode is a clip of Naval on Joe Rogan, launching a discussion about wealth, happiness, and the stepwise journey toward both.
  • “Let’s get you rich first. Right? That’s why I’m very practical about it.” —Naval [09:00, via Rogan]
  • “Buddha was a prince… he got to go off in the woods… in the old days, if you want[ed] peace… you would become a monk. Well, today we have this wonderful invention called money…” —Naval [09:00]

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Can Everyone Be Rich?

• [13:39] Joe Rogan raises the skepticism: “Was things even possible? Everyone can be rich?”
• Naval responds with a radical optimism:
  • “Yes, everybody can be rich... Imagine if tomorrow everyone was trained as a scientist or an engineer… We would all be done within five years. Robots would be doing everything… and [we’d do] all creative jobs… It is really just a question of education, nothing else.” — Naval [14:35]
• The hosts hash it out:
  • Travis: “I think it’s really important to define what the word rich means... The number is way bigger than most people think it is… barring any sort of crazy disorder... it’s probably 80 to 90% of people [who could get there].” [15:56]
  • Co-host: “If everybody’s rich, nobody’s rich—because rich is a...” [14:23]
  • Travis: “It’s sort of subjective.” [14:28]

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Money vs. Health: Which Comes First?

• [10:24] Naval’s order: Rich, then fit/healthy, then happy.
• Travis pushes back:
  • “I would just flip it a little… fitness and health would be first, and then rich and then happy. Because it’s way more directly within your control... and it introduces discipline.” [10:24]
• The co-hosts debate the circular nature:
  • “Isn’t it easier to get fit and healthy when you have money to buy better food?” — Co-host C [11:08]
  • “It’s also a little bit easier to get rich when you’re in good shape and have energy.” — Travis [11:10]
  • Conclusion: Both money and health reinforce and enable each other. Investment in personal discipline—often found through health—can be an easier initial win before financial breakthroughs.

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Philosophical Limits and Human Nature

• Skepticism is raised about Naval’s “everyone can be rich” optimism, with the Star Trek analogy:
  • “He’s basically describing the premise of Star Trek... everything’s done, we have food replicators, we can just focus on bettering ourselves... but people don’t account for human greed.” — Co-host C [18:15]
  • “Not everybody’s doing it for the betterment of society.” [19:06]
• The hosts note that while technological utopias sound nice, human ambition, greed, and the reality of market incentives always complicate things.

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Urgency, Education, and “Getting Rich” Defined

• Travis highlights the mental barriers:
  • “It’s a matter of the education around how... but it’s also the belief that it’s possible, which is probably the thing that holds up more people.” [22:07]
  • “People have a wildly skewed idea… Sit down and have a conversation with ChatGPT about how much money you’d actually need to live the life you want… You might be surprised it’s lower than you imagine. But even then, most people [will realize] their path won’t get them there.” [22:07]
• The importance of time:
  • “You have to change something big, and you have to change it now. Because eventually everyone gets paced out of the job market.” [24:23]
  • “From like 35 to 55 is probably like our peak earning capacity… the majority of the money you’re going to make in your life [will be] in that two decade period.” [26:26]

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Notable Quotes & Memorable Moments

• “Money only solves your money problems—but it’s easier to solve the rest of your problems with money in the bank. Let’s solve that one first.” — Travis [28:10]
• “Everything you want in life is on the other side of a question you’re not asking yourself.” — Travis [17:51]
• “If you get really fit to make more money, you can spend the money to get more fit.” — Co-host C [11:24]
• “There are no get-rich-quick schemes. That’s someone else trying to get rich off you.” — Naval, via Rogan [14:01]
• “Pick up a copy of the Almanack of Naval Ravikant… I’ll die on that hill. Audio’s great too. Physical copy’s great. So pick it up and thank me later.” — Travis [28:10]

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Key Timestamps

• [02:52] Banter about the Almanack and self-help book culture
• [07:19] Introduction of the Joe Rogan x Naval Ravikant clip
• [09:00] Naval on why money comes first, drawing on ancient and modern parallels
• [13:39] The “can everyone be rich?” challenge
• [14:35] Naval’s vision for universal wealth via tech and education
• [18:15] Star Trek references and skepticism about a moneyless society
• [22:07] Travis’s advice: Define your own ‘rich’, run the numbers, and create urgency
• [26:26] The peak earning window and the importance of early preparation
• [28:10] Final recommendations and closing wisdom

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Takeaways & Actionable Advice

• Shift from scarcity to abundance: Don't fixate on cutting lattes; focus on increasing earning power.
• Invest in education: Your first investment should be in yourself—skills, discipline, and self-knowledge.
• Define what rich means to you: Get clear on the actual numbers and shape of your dream life.
• Create urgency: Recognize your life's earning curve and act now, not later.
• Health and money support each other: Use early healthy habits to fuel bigger life changes.

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Overall Tone & Style

The episode is a blend of playful, self-aware camaraderie and motivational pragmatism, peppered with cultural references and genuine personal stories. Travis keeps a warm, empowering vibe, encouraging listeners to raise their ambitions—but to do so realistically, with eyes wide open to the numbers and effort ahead.

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Final Recommendations

• Read “The Almanack of Naval Ravikant” (bonus style points for doing it at Starbucks)
• Invest in your own education and mindset
• Don’t wait to make big changes—your future self is depending on your actions today

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[End of Summary]

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 mission to help you make more money in 2026 now. Which is crazy that it's already here.

[B]

Eric.

[A]

What's up, dude?

[C]

Hey, what's going on, buddy?

[A]

Hey. No, you know, not much recording that much.

[C]

Nothing much.

[A]

What you got.

[C]

Hold on one second.

[A]

Really, really good.

[C]

Thank you.

[A]

It's a captivating intro.

[C]

Thank you.

[B]

Oh, you know what?

[C]

I want to show you. I do want to show you a clip actually. Okay.

[A]

Okay.

[C]

Because I won't know. This will get you. This is going to get you rocking. You're going to be thrilled about this. What's your favorite thing in the world? The Joe Rogan experience.

[A]

Oh, is that a question?

[C]

What's your favorite thing in the world?

[A]

What's my favorite thing in the world?

[C]

Legit. What's your favorite thing in the world? If you had to list for top five and leave your wife and kids.

[A]

Off of it, are you asking what's.

[C]

Your top five things in the world?

[A]

Top five things. Random things.

[C]

What's your top five?

[A]

What a wild question.

[C]

Top five favorite things. What's your top five favorite things in the world? Check.

[B]

Chocolate.

[C]

Okay, that's not it.

[A]

That's a thing.

[C]

Next.

[A]

Oh, I thought you're saying top five favorite things. Okay, well, let's. Let's call that sugar, cuz that. Okay, that is chocolate and all that. Brownies, cookies and stuff. Traveling.

[C]

Okay, come on. No, no, this isn't it.

[A]

Podcasts.

[C]

Close. Go.

[A]

So am I giving my five things or am I trying to guess what you're about to show me?

[C]

Yeah, guess. Because it's one of your favorite things. It's in your top.

[A]

And it's a podcast.

[C]

No, but it's a guy who does them sometimes.

[A]

Oh, okay.

[C]

Who's your five favorite guys?

[A]

Comedy.

[C]

Who's your five favorite guys? What? Top five guys. Go. Five guy tier list.

[A]

This is something about Joe Rogan? Is that why you're asking?

[C]

It is connected to Joe Rogan.

[A]

Okay, but he's not top five podcasters.

[C]

No, it's not a podcaster. Top five. Just guys. But he doesn't have a podcast. He might, though.

[A]

Tim Ferriss.

[C]

No.

[A]

Peter Attia?

[C]

No.

[A]

Chris Williamson. He has a podcast.

[C]

Wrong.

[A]

I'm getting mad theovon.

[C]

No.

[A]

CONAN O'. Brien.

[C]

Okay, wait, let's play 20 questions. Okay, I'll give you a hint.

[A]

Okay.

[C]

You talk about this all the time.

[A]

I just said like six of the people.

[C]

I talk literally all the time. Dude, I'm getting mad.

[A]

This is. That was a bad hint. Give me another hint.

[C]

The Almanac of Ravikant. Anyway, here's a clip from him on Joe Rogan. Yeah, I wanted to watch and chat about it. Okay. Isn't he in. He's in your. He's up there. Favorite things. If I said rank five guys, I thought he'd be in the list.

[A]

Well, yeah. One of my most recommended books is definitely that book.

[C]

Don't say the name.

[A]

The Almanac.

[C]

That's so pretentious. That's so performative. The title. Like, if I saw a dude. If I saw a dude in a Starbucks reading that book, I'd be like, you're like, what an intelligent fellow. No, you'd be like. You'd be like, you brought that book to look smart. You know what the creepiest photo ever is?

[A]

You guys just made fun of me for like four months.

[C]

Who's the guy. Who's the guy that was. Wait, speaking of books that are weird to read in public, who's. Who's the actor that was dating like a younger girl? But he was like reading. No, but he was reading. There was like a picture of him in like San Francisco and like that park with her. And he was like reading her. Lolita.

[A]

Don't know what you're talking about. I don't even know what Lolita is.

[C]

Lolita is a book about. So Lolita is a book about a pedophile that becomes infatuated with like this 15 year old girl. But the author didn't, like. The Author wrote it. 10,000 Foot View. The author wrote it. Not from the like, not like, oh, this is awesome. But like, because marketing is marketing. Every book ever. The COVID is always like a very sexualized thing. So it's a very. It's a controversial book, but more so because of how it's been marketed and adapted and so on. So anyway, so. So. But what's. It's. It's weird. Cause a lot of people, it's like when they watch Wolf of Wall street and they're like, I love this dude. There's a lot of people that have a very weird reading of Lolita. All that to say there's a picture of some actor and he was dating like a super young girl and he's like reading her Lolita in The pot. It's so weird.

[A]

It's not a good look.

[C]

It's a weird thing. Well, I mean, like the Epstein thing, there was a lot of Lolita. And so with Lolita Express and that's where the name comes from.

[A]

So this is your. So anyway, this is the conclusions that you draw from people reading the almanac.

[C]

But I was saying. I was saying there's certain books you see people read in public and. And you go like, okay, but it's a.

[A]

It's a very fitting name though.

[C]

And the Almanac of Naval, like, if I saw it, like, it tells me something about the person.

[A]

Okay, but you know that they want.

[C]

Attention for being smart.

[A]

But you. But you know, he didn't write the book, though.

[C]

I don't care who wrote it. But I'm saying if I see. If I see someone reading it in.

[A]

A Starbucks, he didn't write his own book.

[C]

If I saw someone reading that book in a Starbucks and I saw that name on a book, I'd be like, this pompous asshole.

[A]

I'll be like, what a smart person this is.

[C]

No, it's the same thing. When you see people reading.

[A]

This person's trying. That's what I would think it would be like.

[C]

If you saw a guy like in a business suit and he's reading who Moved my Cheese? You're like, I know who you are. I know everything about you.

[A]

Somebody who's learning and being a better.

[C]

That's a good book. You just know from the COVID And I don't mean to group naval in with the author Lolita.

[A]

Well, here's the thing.

[C]

The cultural impact of that.

[A]

While you were chit chatting over there, I looked up the word almanac. It is a regularly published listing. I know when current information about one or multiple subjects.

[C]

Yes, I know that your favorite guy, Benjamin Franklin, used to write an almanac. An almanac. Hey, I'm reading. What are you reading? The Almanac of Naval Ravacon. I got a black coffee. Yeah, can you bring me my black.

[A]

Coffee and some nicotine?

[C]

That's so. See, like that. I'm disgusted by you as a person for reading this in public.

[A]

It is. It is one of the best books on success and happiness ever written.

[C]

I was listening.

[A]

Or you should read it.

[C]

I was listening to a podcast recently and they did like a gift giving, which you didn't suggest doing on this one, but let's go. But one of the guys gave one of the people a copy of Woody Allen's biography, which Woody Allen's also notorious, but There's a theme to this episode. Pedophiles. But he's like, maybe you should not keep the dust jacket on it when you're reading that out in public. Or maybe get a smut book cover and wrap that over it, because that would be less embarrassing anyway. Naval ravikant.

[A]

Rav.

[B]

Easy.

[C]

All right, so Joe Rogan. And they're talking about how everyone can be rich. And I want you to nod in agreement as we watch the clip.

[A]

Okay.

[C]

Or shake your head in disagreement and we'll pause it and talk about it. We can pause it anytime. This is your show.

[B]

The Joe Rogan Experience.

[D]

I feel like there's. With many people this stress of this question is also accentuated by unhappy lives.

[C]

Interesting pronunciation of accentuated, huh? That's meathead, Joe. It can be accentuated.

[A]

Good one.

[C]

You can it, Nevada. Nevada can be accentuated.

[A]

I'm gonna search through your episode archives for all the mistakes you've made.

[C]

It's gonna be a short list.

[D]

It's unsex. Accentuated by unhappy choices. By being trapped. There's a big difference between not knowing what the meaning of life is and. God, I gotta get the out of this job. I have to. I can't live my life this way. What's the meaning of life if this is my life?

[B]

Which is why I always start with.

[C]

Rogan's headphones. Are fighting to survive. We got a stretch there on top. How big is Rogan's head?

[A]

That's a good question. Not as big as yours.

[C]

He's. Oh, he's been using.

[A]

Okay, but for those listening, that's not just a rake or cheat.

[C]

Wait, hold on. Rogan's been using. I need the mute button closer to me for you. But Rogan's been using those gorillas.

[A]

You reminded me there's a mute.

[C]

Rogan's been using those gorilla dumbbells so long, he's starting to look like one. Like his headphones are the handle and then it's a giant head.

[A]

Oh, I see what you're saying. The. On it, kettlebells. You're saying.

[C]

Oh, yeah.

[B]

The.

[C]

On it. Shout out.

[A]

Shout out. On it, kettlebells.

[C]

Gotta get on it.

[A]

All right, you're gonna press play again.

[C]

Oh, what were you gonna say? Oh, you were talking about my head. Let's watch.

[A]

Yeah, you have a big head.

[B]

Which is why I always start with let's get you rich first. Right? That's why I'm very practical about it. Because, look, you know, Buddha was a prince, okay? He started out really rich, and then he got to go off in the woods. And in the old days, what happened was if you want peaceful inside, you would become a monk. You would renounce everything. You would become an ascetic. You would give everything up. You renounce women, men, you'd renounce children, you'd renounce money, you'd renounce politics, science.

[C]

Are you. Are you gonna.

[A]

Are you gonna ask me if I'm gonna renounce men? That's the question that was doing.

[C]

I was gonna say that. What is too mean? I'm not gonna say it now.

[B]

And I can say you'd renounce politics, science, technology, everything, and you would go out in the woods by yourself. You have to give everything up to be free inside.

[C]

You're so mean to me.

[B]

Well, today we have this wonderful invention called money, where you can just store stuff up in a bank account. Okay. And you can basically save up. You can work really hard, you can do great things for society, and society will give you money for giving it things that it wants and it doesn't know how to get. And then you can save that up, and you can live well below with your means, and you can find a certain freedom in that, and that will give you the time and the energy to pursue your own internal peace and happiness. So I believe the solution to making everybody happy is to give them what they want. Let's get them all rich, let's get them all fit and healthy, and then let's get them all happy.

[A]

Yeah. I would just flip it a little bit and say fitness and health would be first, and then rich and then happy. If I'm. If I'm gonna disagree with anything that he's saying, which is. I'm not.

[C]

Which you don't. You're not in the business of disagreeing with naval.

[A]

I'm not. I'm not.

[B]

No.

[A]

He's got the receipts. But. But that is one thing that I've seen across the a lot of people. That is because it's. It's way more directly within your control, and it requires way less knowledge, and it's. It's much more direct. It's much more direct.

[C]

But can I flip it more?

[A]

Maybe?

[C]

It's. I'm gonna flip. You flipped it here. I'm gonna flip it there. Isn't it easier to get fit and healthy when you have money to buy better food?

[A]

Oh, sure, yeah.

[B]

Yeah.

[A]

Definitely is.

[C]

Go to Lifetime.

[A]

It definitely is. But it's also a little bit easier to get rich when you're in good shape and have a lot of energy.

[C]

But let's flip it. It's easier to get. It's easier to get rich when you're in shape because people take you more scientifically.

[A]

That's what you're selling.

[C]

But let's flip it more. If you. If you get really fit to make more money, you can spend the money to get more fit.

[A]

Correct.

[C]

And then you can make more money.

[A]

Yeah, yeah.

[C]

And then you're Andy Elliot, but perfect. And you're rich, which is the end game. You've always said.

[A]

I've always said that Andy Elliott is.

[C]

My North Star dude. What are you doing? Get back to the episode.

[A]

There's. Yeah, no, I would say that the health piece is. It's of course easier to get, like, ripped and, and in crazy good shape when you have money. But the base. The base level, though, the foundation of health, you can do for free. So it's not that.

[B]

That.

[A]

That's what it. And to me, it just. It introduces discipline, requires you to build something into your daily routine that is not necessarily a fun thing to do, especially at first. It's actually very painful to do at first. So it requires you to get uncomfortable. It requires you to learn a new skill, it requires you to put in work to see a result. But it also shows you results from hard work. And it's, like I said, it's fairly direct. So with business, it's like you could start 12 businesses and all of them fail, and then your 13th business is successful. It's like with health, that's not how that works. Like, you just eat what you're supposed to eat and you move more and you see results. And so that whatever you can do early on to experience what change brings, that is what you should do. And I think health is one of those. One of those ways to do that, like, really, really early. Especially for young, young men, young, like single men who are just like, trying to make sense of life and if they didn't have a father figure or something like that, it' like, go get healthy first. Go. Like go get. Go boost your confidence by going to the gym for a couple years straight and just get in really good shape. Because I just think everything is a little bit easier after that. So if I were to throw a wrench in anything that he's saying, I would say it's probably a little bit easier to do that than it is to go get rich first.

[C]

But if we flip that a little.

[D]

Bit more, was things even possible? Everyone can be rich.

[B]

Everyone can be rich.

[A]

Everyone.

[B]

Here's my thought exercise for you now.

[D]

It Seems like we're in an infomercial. Everyone can be rich. My home. This is my Rolls Royce.

[B]

Yeah, no, so. So that's a good point. So everything that I've ever created on this topic of how to make money.

[C]

Dude's a comedy genius. Honestly, whenever I watch him, like, dude.

[A]

You'Re brilliant, but I know you're being facetious. But I also like that he pushes back a little bit on that, because a lot of people would listen to somebody like, naval and just let him keep saying stuff like that. And they'd be like, when that is an idea that should be challenged. Because most people do not believe that. I don't believe that you don't believe everybody can be rich. Okay, that's. But that's my point, though, right? Is like. But I appreciate that Rogan pushes some of those things.

[C]

If everybody's rich, nobody's rich. Because rich is a.

[A]

Well, but also rich. Exactly.

[B]

Yeah.

[A]

It's sort of subjective, but anyway, go ahead and press.

[C]

Oh, okay.

[B]

So everything that I've ever created on this topic of how to make money, I will never charge a dollar for because that would ruin it. That would show that I'm just another huckster who's trying to get rich off of you. There are no get rich quick schemes. That's somebody else trying to get rich off of you. Right. So it's. So. To me, it's more of a philosophical contribution where for it to have meaning and to be legit, I can't charge you anything for it. But yes, everybody can be rich. And let me give you a thought exercise. Okay? Imagine if tomorrow we could wave a wand and everybody was trained as a scientist or an engineer. Everybody, even if you weren't very good, you had enough understanding of computers, you could write some code, you could build some hardware. And don't tell me people can't do it, because they can. That's just a tyranny of soft expectations. That's just you looking down on somebody else. They can't do it. They just have to be educated. Now, if they're educated, all as hardware, software engineers, scientists, biologists, technicians, hard sciences, not the social sciences. We would all be done within five years. Robots would be doing everything from cleaning toilets to cooking food to flying airplanes, to driving Ubers. And what would we be doing? We would be doing all creative jobs to entertain each other and researching science and technology. We would have wonderful lives. So it is really just a question of education, nothing else.

[D]

Is this a scale issue, though? I mean, you're talking about it as if.

[A]

Yeah, I honestly don't have. I was just kind of listening as a fan of naval on that one. I don't have much to add to that because I question that myself sometimes is like, or do. Is everybody capable of reaching these levels of success? And again, I think it's really important to define what the word rich means. You know, is that a million dollars in the bank? Is that a hundred million dollars in the bank? Is that a billion dollars in the bank? I don't know exactly like, what metrics are going off of. I do think that. I do think that the number is way bigger than most people think that it is. You know, regardless of if it's, if it's 100% of people or not, it's probably 80 to 90% of people, you know, barring any sort of like crazy disorders or, or, you know, mental challenges or things like that that are actual real problems that would prevent somebody from doing those things. I still think that it's a much larger percentage of the population than most people think that it is. And it is. And my, my, I always, I tend to challenge things when people say like sort of a big blanketed statement like that, where it's like 100%, everybody can do it. And it only comes down to one thing, education. My immediate, like, challenge flag goes up just to say, like, I wonder how true that is. I, I don't, I don't know. I've not, I've not looked at the data on that. But from what he's saying, you know, his examples obviously make a lot of sense. But, yeah, education is, you know, one of those things, which is why I, I always tell people to. Your first investment should be in yourself because you need to increase earning power. You don't need to increase, you don't need to learn how to invest your $22 a month that you have. You need to learn how to turn that into $2,200 a month, $22,000 a month, and then invest that. You know, so which, and then when you do start investing, you have to know what to invest in, which requires you to invest more into the knowledge that you've gained. And again, it's always an investment. It might, even if it's not money, it's going to be time. It's going to be one or the other or both in a lot of cases, you know. And so the, the sooner you get on board with that, the better, because everything, everything you want in life is on the other side of a question. You're not asking yourself. And you know, on the other side of a question is an answer which, which is knowledge and education.

[B]

So yeah.

[A]

I like this guy. I wonder if he would have worked.

[D]

This would work with 300 million people.

[B]

It'll work with 10 billion people. It'll work with a space faring race with 100 trillion people.

[C]

Just the only thing with. So this is, he's basically describing the premise of Star Trek which is that we move to a point beyond currency. Like everything is done, like we have food replicators, we have all this and then we can focus on just bettering ourselves. But I think like the only flaw is it doesn't. And this is the same thing that, with like the, and I'm assuming he's a very capitalistic person, just throwing out a guess.

[A]

But, but like, but I would not put him in the category, like the same category as other capitalistic people though, if that makes sense.

[C]

Well, I would say like the issue with this, with this projected future is the same to me as like the, what people do with like social is like they don't account for human greed which to me it's like the AI thing. It's like there's people, like not everybody's.

[A]

Doing it for the betterment of society.

[C]

Well, like with AI, it's like, well if robots can replace all these things that humans shouldn't have to waste their time doing, then we can focus on all these other things. But even now there's far more focus on AI replacing, replacing like the arts, replacing music, like top the things that make money. Like there's AI.

[A]

Yeah.

[C]

AI music artists topping the charts right now, you know, so it's like I don't, I don't see that same flood of like progress in all these other categories, you know? You know what I mean?

[A]

In this particular context. I think what he's just trying to say is if this concept, yeah would be correct, if we, if we could snap our fingers and somehow get to this magical idealistic state. But I think that, I think that even he would say that like yeah, that's, I, that's idealistic. It's never going to work.

[C]

Sure.

[D]

But sources we have the ability.

[B]

The universe is infinite resources, you build it, you know. Have you heard of a Dyson sphere? You know, you pull the Dyson sphere on a star and you gather all its energy. We're all so much energy out there. One asteroid's got all the minerals that we need. One sun.

[C]

He's a Star Trek fan, Data, I'm.

[A]

Telling you, he has to be.

[B]

And one solar system has got all the power we will need for a long, long time. You know, we can extract it out of nuclear fusion. You know, we're not that far from those kinds of technologies working. It's just a question of guts and, you know, and interest. Like, we should be building nuclear fusion test plants on the moon. The moon should be littered with them. It's no downside, right?

[C]

Yeah.

[D]

If you could. How would that work?

[A]

Wait a second.

[C]

Yeah, I don't know about that, but I think I'm gonna stop there because then it gets very rogany. But. But in terms of the overall clip, though, any key takeaways?

[A]

Close your eyes. Exhale. Feel your body relax. And let go of whatever you're carrying today. Well, I'm letting go of the worry that I wouldn't get my new contact in time for this class. I got them delivered free from 1-800-contacts. Oh, my gosh, they're so fast. And breathe. Oh, sorry. I almost couldn't breathe when I saw the discount they gave me on my first order. Oh, sorry. Namaste.

[E]

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[C]

1-800-Contacts.

[E]

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[A]

Experian.

[C]

Besides what you've already said, which is insane. Good.

[B]

Good job.

[C]

That's your me. Like this.

[A]

No. Yeah. The education piece is. Is the linchpin, you know, which is why shows like this exist. It's just a matter of. It's. It's a matter of the education around how to do the things, but it's also the belief that it's possible, which I. Which I think is probably the thing that holds up more people rather than the education piece. It, like, it prevents them from taking action on any education because they just don't believe that it's possible for them to get rich. But again, I also think that people have a wildly skewed idea or view of what getting rich means, and people don't. People don't do the math. Like, if You've never done this before. Just sit down and have an open conversation with chat GPT around how much money you need or want for the rest of your life. You know, tell it your age, you know, based on average life expectancy or whatever. How much money would I need in order to be able to live the rest of my life? By the time I'm in, in increments of like, whatever, a decade. So by the time I'm 30, by the time I'm 30, 40, by the time I'm 50, 60, 78. What, like, what are, what's the amount of money I would need in the bank in order to be able to do this and describe the lifestyle that you want to. To chatgpt or whatever. Like this, like, this is the house that I want to live in. These are the cars that I want to be driving. These are the vacations I want to be taking. This is where I want to be. This is what I want my, my work life to look like. This is what I want my life to look like. Here's how many kids I want, how much money do I need in order to be able to live this, this expected version of life? And I believe would be surprised if it came back at a lower number than you're envisioning that you would need. So once you wrap your mind around how much money it takes to actually live a life that you want, then that sort of puts you into a thought experiment where you have two choices in front of you, one of which is just to accept the lot in life that you were given, accept the hand that you were dealt, and just say, this is all I'm ever going to be and I have to change my expectations of what I'm going to get out of my life. Or the second thing is to say, wow, that number's so much bigger than I thought it was going to be. I have, I am compelled to change something about the plan that I have to go get that, because right now, even if I got my scheduled raise at the end of the year, every year for the next 30 years, and I never lost my job, never had any interruptions in earnings, I will never get close to that dollar amount. Therefore, something big has to change and has to change now. Like, I think it just might help create a little bit of urgency, because that's what I think a lot of people are lacking, especially, you know, young men and women, you know, 30s, 40s, type of, type of an age. There's just, there's. There's a lack of urgency it's just kind of like, I'm doing okay, everything's okay, everything's fine. You know what I mean? It's like, okay, but what is fine mean when you extrapolate that into the future? You know, when you think about what, what this timeline of fine is, what does that look like in 20 years, is it still going to be fine? Because at some point it's not going to be fine. At some point you're not going to be 37, you're not going to be 44, and can just go get a good paying job for a decent company that pays you well, that, you know, treats you well because you have a skill set that they want to use. Eventually we will be like we as millennials. And then if you're listening, you're a little bit younger. You as Gen Z on the line, you're on the line. We will be in the position boomers are in now where it's like we're in our 60s, we're in our 70s. Like the younger generation understands the technology. They have more energy that like we will be paced out of the job market just like younger generations are or just like older generations. We're different feeling now.

[C]

Yeah, it won't happen.

[A]

People like to think that. I think so. It's just like you have, you have. It's sort of weird, man, because like I always ride this line of like the Gary Vee, like, you, you got time, you got time, you're young as type of a thing. But I also look at. But how much time do we really have? We don't have that much time.

[C]

Well, and the later you get, the bigger the, the boost. Like, like you if, yeah, at 60, you could still change your life, but you need a much bigger payout.

[A]

Right.

[C]

The older you get. Sure. Like, yeah, there's still time to become a millionaire, but the amount of money you have to stuff away into something has to go up with each passing year. You know what I mean? Like, there's, there's, there's a shifting scale.

[A]

There that keeps moving and there's a shifting scale in terms of what's available to you to be able to do. Not saying that you can't start a business at 68 or whatever, like Colonel Sanders type of a thing, but you.

[C]

Are going be more tired and you are going to.

[A]

Yeah, it's going to require different things of you and it. And there will be different obstacles that are going to be standing in the way, which is why I'm very bullish on like really maximizing your earning years and trying to squeeze every drop of the lemon out before you get up to that point where everything's just going to be more difficult. You know what I mean? Like, you from like 35 to 55 is probably like our peak earning capacity. So you should be earning the majority of the money that you're going to make in your life. Somewhere in that two decade period, there'll probably be like a five year period of time, seven year period of time where you make more money than you did in the previous 20 years. Like that you have to. And leading up to that point, you have to be able to set yourself up to be in a position in order to be able to maximize that earning power. And then when you're in that point, you got to be able to earn as much as you can so that you can live the life that you want to live. And again, all of this is based on what was rich mean to you? What does success mean to you? Which is why I think it's really important to do that exercise and see how much money you're really going to need in order to be able to live the life that you want. Because it's probably a lot more than you think it is.

[C]

Well, I'm losing minutes of my life because we're going over on this podcast episode. So go ahead and close this out so we have time to record more beautiful episodes just like this for our lovely, talented, beautiful listeners.

[A]

Thank you. So for those listening, go pick up a copy of the Almanac of Naval Ravikan.

[C]

Read it at a local Starbucks. Everyone can see how smart you are.

[A]

Exactly.

[C]

I read the Art of War when I go into my jiu jitsu practice, I like to just, oh, I'm dialed in.

[A]

So, yeah, pick up a copy of that book because it's fantastic. I'll die on that hill. Audio is great too. Physical copies, great. So pick it up and thank me later. For those listening, remember, money only solves your money problems, but it's easier to solve the rest of your problems with money in the bank. So let's solve that one first here on the Travis Makes Money podcast. Thanks for tuning in. Catch you next time.