Travis Chaplin (8:09)

The show is brought to you by Wayfair. Look guys, the new year is here. 2026 is upon us. Get back into an at home routine that you love and elevate your space with Wayfair. From bedding and mattresses to storage solutions for every room in the house, Wayfair is your one stop shop, refresh your living room with accent pillows, mirrors, fake plants, you know, paintings, whatever, whatever you want really. Wayfair has literally anything that you could possibly imagine when it comes to decor for your home. So you need to refresh on bed towels or maybe you want to redo the kids rooms. Kitchen essentials, home decor, storage, you know, outdoor furniture, kitchen essentials, everything that you could want, Wayfair has it and it's super easy and convenient to get these things shipped to your house no matter.

Travis Chaplin (8:56)

How big they are.

Travis Chaplin (8:57)

We got a dining room table, recently, shipped it right to the house. Really, really easy to make the entire process super smooth. And in fact, the thing that we got most recently from Wayfair was a organization little closet right when you walk in the house for shoes. Because I don't know about you other parents listening to this right now, but one of, one of the things that drives me most crazy is just shoes spread across the whole floor. Just little, just little tripping minds, things that you can step on and fall on top of. And so we got this shoe organizer. So we have one place that all the shoes go. And now when the kids walk in the house, they know exactly where to put their shoes. So we got that from Wayfair recently. They even have a treadmill that goes under your desk and stuff, which is probably going to be my next purchase. So get organized, refreshed and back on track this new year. For way less head to Wayfair.com right now to shop all things home. That's W A Y F A I R.com Wayfair Every style, every home.

Travis Chaplin (9:52)

This episode of the show is brought to you by Chime. Chime is changing the way people bank. It's fee free and smarter banking built just for you. Not like old school banks that charge you overdraft fees and monthly fees fees and the like. It's built for you, not the 1%. Chime is not just another banking app. They unlock smarter banking for everyday people with products like MyPay giving you access to up to 500 of your paycheck anytime and getting paid up to 2 days early with direct deposit. Some old banks still don't do this. So forget overdraft fees, minimum balance fees, monthly fees, all that stuff. Chime turns everyday spending into real rewards and progress. Plus they have the new Chime card.

Travis Chaplin (10:29)

The new way to build credit history.

Travis Chaplin (10:30)

With your own money and get rewarded every single day day.

Travis Chaplin (10:35)

So what that means is it is a credit card that is backed by.

Travis Chaplin (10:39)

Your own money and not only and.

Travis Chaplin (10:41)

It helps you build credit which is.

Travis Chaplin (10:42)

Something that's been around for a while.

Travis Chaplin (10:43)

But you also get to earn rewards.

Travis Chaplin (10:45)

On that which has not been something that has happened. And now Chime is here to bring that to you. And with qualifying direct deposits, you get.

Travis Chaplin (10:51)

1.5% cash back on eligible Chime Card purchases. I know my younger self would have benefited from a banking option like this just because it's so much more nimble and much, much easier.

Travis Chaplin (11:02)

Chime is not just smarter banking.

Travis Chaplin (11:04)

It is the most rewarding way to.

Travis Chaplin (11:06)

Join the millions who are already banking fee free today.

Travis Chaplin (11:09)

It just takes a few minutes to get signed up, so head over to chime.com travis that's chime.com travis Chime is.

Chime Advertiser (11:17)

A financial technology company, not a bank. Banking services a secured Chime Visa credit card and my pay line of credit provided by the Bancor Bank NA or Stride Bank NA. MyPay eligibility requirements apply and credit limit ranges $20 to $500. Optional services and products may have fees or charges. See chime.com feesinfo advertised annual percentage yield with Chime+status only. Otherwise 1.00% APY applies. No min balance required. Chime Card on time payment history may have a positive impact on your credit score. Results may vary. See chime.com for details.

Travis Chaplin (11:38)

Know the alchemy of friendship and relationships just from paying somebody, but it does.

Travis Chaplin (11:42)

Give you the opportunity.

Travis Chaplin (11:42)

It does give you the ability to get your foot in the door and differentiate yourself from the thousands of other people who are just sending them cold emails and asking for stuff. So I Now I'm, you know, 10, 11 grand in on coaching and, and you know, group coaching, masterminds type of thing and then just kept doing it. Now I'm probably over $400,000 or somewhere in there in the last seven or eight years just investing into coaching, into masterminds, into relationships, into knowled knowledge, into competence, into skill sets. And the return has been phenomenal. And, and by the way, I was doing that, I invested over 400000 into all those different things while I was driving the same crappy 2015 Camry that I bought for 20k before I did all of this stuff. So I was actively taking money out of my own account that I could have spent on a car or clothes or fancy vacations. And I put it directly back into me because if you can and make yourself your most valuable asset, then that's how you can go earn more money. So I learned this fairly early on and I'm very grateful to have learned that lesson that time is more valuable than money. Because ultimately money, like what is money? Money is simply the means of exchange. That's it. It's a means of exchange. It's just a standardized way for us to exchange things. Because if you go back pre money, people just traded stuff. You know, it's like, hey, you have that thing that I want, I have this thing that you want. I'll give you some corn, you give me this whatever saddle for my horse. And then money came along, standardized means of exchange. And then people started pursuing money as if money was the end goal. When money is not the end goal because money is only as valuable as what you can exchange it for. And if you're going to exchange money, then the best use of exchanging that money typically is going to be something that will either make you more money, meaning like an investment that returns money to you or something that gives you back time. And that is the ultimate use of money in my opinion, is to be able to buy back your time. And so there's, there's several reasons why I think time is more valuable than money. And we've already kind of talked about a couple of them in my story. But I'll kind of hit on these really quick. First reason is that it's the only asset in life that's non renewable. You could, I, I could have dropped this 400k on all of this stuff that I've mentioned in, in few years and zero of it could have panned out and I can go generate another 400k. That by itself is remarkable. Think about what that means for you. That the 400k that if I put that into myself, if I didn't get anything out of it, I can go make another 400k. Now it's even easier because the 400k worked for me in this particular scenario. And by the way, not all of it did, not all of it was exactly, not all of it worked the exact way that it was intended to work, but it still worked. And then now it's way easier for me to go generate another 400k than it was back before I started investing at these huge levels into myself. So money is, is renewable. You can make more of it. If you lose all your money, if you go bankrupt, you can build it back. And there's no limit to the volume of stories of people who've done this time and time and time and time again throughout their lives. People who built up 100 million and then lost it all and then built up 200 million and then lost it all and then built up a billion. And then the, the, the, the, the very definition of money is that it is, it is a renewable resource. There is more of it. There's Abundance of it. They print more of it every day. You can go get more of it. Time is absolutely not renewable. So the thought exercise that's fun is basically to say, okay, if you were 90 years old and you hit the lottery and you got a $1.5 billion jackpot, you would give up every single penny of that just to be 20 again. Again, that's it. If you have any qualms about what I'm saying right now, just ask yourself that question. You're 90, you get a billion dollars. Would you trade every single penny just to be 20 again? Answer yes, absolutely. And Warren Buffett said the same thing. You know, somebody who's invested his way to becoming one of the richest guys in the world, one of the most successful investors of all time, maybe the goat of investing, him and his partner Charlie Munger are potentially the goats of that world. And even they at in their mid-90s would say, yeah, I'd give up every single penny that I have just to go back and again, because time is the only thing that is non renewable. Second thing is that the only reason that money is perceived as valuable is because it operates on a timeline. That's the only reason that like money, money is valuable because of time, not the other way around. Time is not valuable because of money. So the very, the very concept of money having value stems from the fact that time is by definition limited. If, if time while is just completely unlimited, then money would matter then, then more than time at that point because time would not be a factor. So the very reason that money has any value whatsoever is because it exists within the, the, the, the framework of a time like an expiration date that one day all of us are going to be done. We don't have any more time. So that is what creates the urgency to go make money so that you can get the money and exchange it it for time. So you can use that time to do the third reason, which is it's what defines a good life. The third reason, the time is more viable money. It's because it's what defines a good life. The way that you like, show me somebody who spent their time doing something that they love, spent their time with the people that they love, and I'll show you somebody who's probably happy, fulfilled, lived life, mostly regret free. Show me somebody who used all of their time in pursuit of money and I bet you anything you're going to have a lot of those regrets. That's why the, you know the most the regrets of the dying. One of the Top regrets of the dying is just I spent my time improperly. I wish I would have spent more time with the people that I love. I wish I would have spent more time traveling or going experiencing what life has to offer rather than and getting trapped in the rat race. And your, your time, the way that you use your time will by definition create the life that you want. Life is only made up by the way that we use our time. So if you are not, and which is why I encourage people to make as much money as you can as quickly as you can so that you can buy back more of your time and then give you more of an optionality to be able to pursue the things that are more valuable to you that make your life richer and fuller based on the use of your time. So if you are only ever actively pursuing money, but not actively pursuing to exchange that money for more time, then I think that you're playing the wrong game. And that's why we sign off every episode of this show with remember that money only solves your money problems. But it's easier to solve the rest of problems with money in the bank. Because my thing is like if you take the time that you have when you have excess time, but you don't have excess money and you discipline yourself for a short period of time, five years, 10 years, somewhere in there, there to outwork everybody else and to outsmart everybody else. So it's not, it's not a. It's not just a work harder thing. There's plenty of people who work a hundred hours a week are still dead broke. And it's not just a work smarter thing because there's a bunch of people who work smart but are really lazy and they don't ever get excess money either. But it's working smarter and harder for five to ten years you do that, then you can sort of have this optionality to be able to live your life however you want to live your life. Because the goal is not to be able to retire on the beach and sip my ties all day. The goal is to be able to give yourself the option to pursue the things that are meaningful and valuable to you so that you can create a life that is full of you, using your time, doing the things that mean the most to you, spending your time with the people who matter the most to you. And that is what's going to make a rich and happy and fulfilled life. So three reasons. Time is more valuable than money. If you are in. If you are disagreeing with me, I'd love to hear your thoughts. Travischaplin over on Instagram. Shoot me a dm. Be happy to talk about this more with you, but time is more valuable than money. Convince me I'm wrong, and I'll buy you a steak dinner. But I just don't think you're gonna be able to convince me. So that's it for today's episode. Thanks for tuning in. We'll catch you guys in the next one. Peace.