So it's Kinsey and welcome back to my channel or if you guys are new here. My name is Kinsey I'm a 24 year old lifestyle vlogger based in Dallas, Texas I also have a podcast love the podcast check it out. I have lived in Texas majority of my life I grew up in a suburb north of Dallas and that I moved to LA for four and a half years and now I'm back in Dallas Anyways, I get so many questions from you guys about Dallas living in Texas moving to Dallas all that stuff Because it's like such a popular place to move to right now. So I wanted to film an entire video on Dallas and living here. We're also gonna be touring apartments. So we're going to different apartment buildings in different areas at different price points So I'm gonna show you guys like what you can get for X amount all the places that I toured have like an Lobby and like a leasing office and things like that So obviously there are ways to cut down your rent and to get something cheaper. So that's definitely possible I'm also gonna be answering a ton of questions at the end of this vlog that you guys have been asking me about moving social life Where to go out where to live in your 20s things like that my number one tip though If you are moving to Dallas or even if you're just in Dallas looking for a new place use my realtor Melanie She took me to all these stores. She is who found my house like I love her not just it's like a realtor But also just because a friend she's the cutest best human being ever But if you are looking to move to Dallas, it doesn't matter if you're renting or if you're buying you can use a realtor It's free to you. I feel like you don't realize that you don't have to pay the realtor It's free to use even if you're renting use her because she knows where to get you to move like my area was so perfect for me And a smart investment and I honestly probably wouldn't have even known that or looked into it had she not told me She just knows the area really well. She knows we're like younger people want to live. She's really really really helpful I will link her Instagram below reach out to her. Okay. Anyways with that being said, let's get started with the tours We are starting the day off at the Victor This is by far the most expensive do not let this discourage you This is such a beautiful building. You can see right across the street. It's American Airlines This is super walkable.  You get the gist Here's an app that you can like book things through reservations events. They have 24-hour valet and concierge. They also your guests have to valet. Oh, also this area guys It's so beautiful the view is insane and you can actually rent this if you are like a resident there, which is crazy This is on a different floor. I'm just showing you kind of like the community aspects of it This is the gym. They have pelotons pretty much every building these days has pelotons I know it's a big question and those like mirror things. They had different heights or different people You know thinking ahead. They have this little golf simulator. This is just really good for entertaining. There's so many different games There's a pool table and there's just a lot of seating areas. I mean, it's just again like the best building It's literally beautiful out here. You have the pool. The pool is again beautiful. It gets Really really freaking hot in Dallas in the summer like to the point where that is honestly my least favorite thing about it Is that it gets hot but like also I only live in Dallas in LA So like I'm doing it to myself Those are cool little meeting areas and then moving on to apartment number one. This is around at $3,000 Every floor that you go up increases by about $15. So as you guys can see the unit is very Modern it's updated. You have a view of American Airlines It's honestly like pretty spacious and they have really good like built-in storage as you can see This is the bedroom, which is a really good size for a bedroom again beautiful view the bathroom is insane They are massive at the Victor like unreal truly luxury living and they just have really great closets I believe this is like a container store closet, right guys? I don't know but honestly really really nice Oh the washer and dryer at the laundry room if you will again massive I noticed that a lot touring today that there's so many massive laundry rooms again built-in storage Which you can never have enough of over here as well. It looks really really nice and sleek gas oven You can have like the trash thing pull out. Also, they have a place to wash your dogs This is insane should have included that before and that's where you dry them actually wild and then they have like a bike storage area as Well, alright moving on to apartment number two. This price point definitely goes up a bit You walk in built-in storage laundry room then over here. We're gonna go in to the first bedroom bathroom so this is again, just really sleek easy and then over here Florida ceiling windows, which I love another beautiful view another container store closet and then go out to the kitchen guys And this is where you just die How beautiful, right? So nice So this is the view more of like the Trinity Bridge definitely on the other side Which a lot of people prefer I actually like the city view better, but to each their own Here's the kitchen so nice. I hate doing the dishes, but I would do the dishes with this view You know, like I think I could actually handle it Again more built-in storage and then you go into bedroom number two The bedrooms are not massive in this unit, but again the bathroom is and the closet is Quite insane like these closets are I would have died for this when I had apartments in LA That would have just not happened unless I was spending like $12,000. So Unfortunately, it wasn't the case to me. It's not my story. Anyways moving on to the next apartment This one feels so homey. I loved the view here has that little nook so much built-in storage Here's bedroom number one and then you go out to the main living area again all floor to ceiling windows. I Love this place. So again, it's a two-bedroom has a really beautiful balcony also great view of American Airlines Gives you definitely like more of a city vibe and then you can go in to this bedroom, which is the master for sure It's definitely a little bit bigger. It's really cozy I don't know if it's how they decorated this apartment, but it definitely felt a lot more homey than the other two again Huge closet huge bathroom No surprise here as we know like I would have died for this. Okay on here on the view you have the view of the pool Also of the rest of the city the kitchen is beautiful The lighting in here is insane and over here a full-on like washer-dryer laundry room insane Okay, so this one is just fun. Don't worry guys. I just wanted to throw this in there because they showed me It's like one of the penthouses look at this place 17 thousand dollars a month I'm not saying that that is what any of us are looking at but I did want to show you just for fun The bedrooms in here are honestly pretty small especially when you're paying 17 thousand dollars a month But again bathroom you have like a separate shower, which is really nice Again containers for a closet. I didn't turn the light on for some reason So sorry that the lighting was bad But the views are just so pretty and also I would die for this amount of light Then you go out here again kitchens beautiful You have a full like grill out your kitchen and then a beautiful view of the W going over here another bedroom And then you go up and again, it's beautiful But this building just has so many great amenities that it's just like I don't know how to describe it It's just honestly a beautiful beautiful place wine fridge You know your fridge is covered. It just looks really sleek and modern here is a little half bath for your guest And then I mean the laundry room is basically the size of my first bedroom in Los Angeles And then here is another bedroom. So really nice Great place to be Good for like a bachelor pad. Like if you know anyone who moves in here, let me know, okay That we're not going to the Alexa and Laura Greenville. So I'm kind of showing you the lower Greenville Street It's so cute. You have Leela's h. You supply good Italian places good sushi places standard service La La Land you have Trader Joe's I mean, there's just a lot of things to do and then you have the Alexa lower Greenville So if you live there, you could walk to all of that This place is definitely a lower price point. I've had friends who lived here and they really really loved it It is I mean by lower by the way, I met lower in comparison to The victor this is the gym. They have two gyms It's definitely cozier building It feels more like you're living in a house and then they have these two tops and you can go sit out here And it's cute. You know like views always look better in person. That's the pool Number looks is good on camera. But anyways, we're going to go into the first apartment. This I believe was a one bedroom Yes, it was a one bedroom again, really cozy updated stuff Really fair price point for dollars if you're trying to get like a building with amenities and things like that Um, the things I would kill for even now for a toiletry pantry wait pantry a toiletry closet Is that even what it's called? I don't know. Um, again a nice balcony, which is super cute and here's the kitchen They have a lot of different kitchen finishes laundry room moving on to the next apartment This one is a two bedroom. Um, this is the model one So I don't believe it would come with like a purple wall or anything The bedrooms are actually pretty big closets are great Again, bathrooms are great. The places here since touring apartments are just really spacious in comparison to Like a la or new york. I just was astounded by how big all these apartments were I haven't ever lived in an apartment in dollars. By the way, that's why I'm saying that Uh, but I'm gonna go to my friends.  And then they also have a big laundry room.  I love that. Um, but yeah really cozy Moving on to the next building broad stone at nox. We will get into this area more in the q&a portion I love it. This building is really new. I think it's like Uh, three fours of the way occupied. They have like a mail room And this was so cute. They have like beer on top Little games golf simulator again. I mean, this is just a really fun area to live in Moving on to the gym. This gym was really nice. They even have a cute little like Why am I forgetting on the same like a dancer? My guess I mean, you could do some like fun scope society Melissa would health workouts in there Um, this is partly outside the games moving on to the first apartment So this one this is so in right now the like blue kitchens. I don't know where it came from But it's like literally everywhere. This is a one bedroom. It's really cozy I didn't look outside at the views or anything um, but Very cozy pretty good space Definitely good storage and then what's even so nice about it is they have a washer and dryer in your closet Like you would have no excuse. I would die for that guys. Absolutely die for that So it's cute. Definitely good for just one person Moving on to apartment number two. So this one. I really liked this was a two bedroom I liked how they had a lot of like windows again. This place is like still kind of under construction They're the middle of building the pool, which should be done. I think they said like mid-november But anyways really nice good size. That's what I've been saying for all these apartments, but They really are they're spacious and I like the lighting I like the corner unit the corner units are always like typically like a little bit more, but I thought this would be a great place. I would definitely love this building, but anyways Love the storage in here. Wash your dryer Okay, let's get into the questions Favorite neighborhoods for being in your 20s. So I'm gonna go through the neighborhoods Just that I know are the most popular amongst the 20-year-olds that I know It's important to note that most neighborhoods that I'm going to talk about are literally within the span of 10 minutes from each other Like they're very close view of victory park, which is more of a city vibe in american airline center So it's like every sporting event and major concert is there you have like heroes dibs like sports bars There's obviously lots of restaurants kind of in that way. I know there's also like workout places there Uptown is great. It's very walkable. It's really common people who are post-grad Like majority of my friends honestly live in uptown. It has a ton of bars You have mckinney avenue this village is in uptown Which is a cute little shopping center with lots of restaurants and they have like soul cycle berries core power Um, they have like pretty much every single trendy workout place there like victory park uptown Then we're gonna go to nox Henderson nox Henderson. It's I would say it's kind of like Maybe like in 20s to late 20s, but then there's also like SMU kids who live there You again have a trader joes lots. It's very walkable. There's like Pilates places There's salon restoration hardware with a restaurant the real real starbucks lua lemon. There's an apple store a cb2 Like here's nox Henderson. Here's hinderson street 75 is in the middle or northwest highway You would cross the highway But it's literally just one connecting street and then you have lower greenville lower greenville I would say it's kind of like your first property that you buy oftentimes like after post-grad You mean someone you move in together and then you like buy a house together So it's a lot of condos. There's a lot of townhouses. There are still apartments and there's actually a lot more apartments being built It's definitely very walkable tons of dogs. You go on lower greenville and you have like lilas hg supplies standard service Um trader joes, there's a lot of land There's a ton of restaurants Like I saw literally like seven new restaurants within this span of like a week open at one point Like it's really crazy. Okay, so those are the neighborhoods that I think are the most common finding unique and retro apartments in safe neighborhoods Okay, I would say like the more creative neighborhoods would be bishop arts for sure Which is the only neighborhood that's not within 10 minutes and it's only like 15 minutes like south really I love bishop arts. That's where like parediso is um tribal Which is like my all-time favorite coffee shop and breakfast place really russ around I guess It's a very very cute neighborhood. I don't know deep alum enough, but I would also say deep alum I know that it's a little bit sketchier there. I I don't know. I'm not like in charge I just hear about it that it's like a little bit sketchier I mean living in a city obviously regardless like we're all in Dallas proper in like the city It's obviously a little bit sketchier like much sketchier than suburbs deep alum and bishop arts I love like the neighborhoods are very cool people bar hop a lot in deep alum as well I've never gone out actually a bishop arts, but again because everything is so close That's the thing you're like five to ten minutes from everywhere. So it just makes it so much more convenient What areas do people in their 20s hang out and go out? It would be the same areas. It would be like uptown Mainly I would say uptown and Henderson right now would be like the two most common But that could also just be seeking for me and my friends But I would say uptown and Henderson and on Henderson you have Skellig, which is like my favorite bar 77 which is like a hit or miss for other people high fives or Henderson top house I personally love going out on Henderson the best. How walkable is Dallas? Would you say you need a car? I would say pretty much every neighborhood that you live in You can find a place that's walkable like it's not like New York to where like you're walking from neighborhood to neighborhood So your area for the most part could be walkable, but you need a car regardless Because you're driving all around the city.  Is it expensive? So at the places that we toured most of them had Parking included in the rent for the first car that you own So if it's just you it would be free essentially like free or paying the rent, you know Okay, as someone who just moved you should touch on ways to get involved socially So Dallas is a very friendly city everyone just like talks to each other like you're walking down the street and you're like Hi, you know, it's very friendly a lot of people I mean there's so many different ways to make friends in general I talk about this a lot on social media Honestly going out like you meet people at bars so often and I'm not telling you you have to like go out and go crazy But just like go hang out at a bar. You're probably gonna need someone There's a lot of like social activities too Like if you follow like Dallas loveless and Dallas sites that you like bingo nights or I know There's a place on Henderson that does like trivia. It's a very social city It's very easy to start talking to someone if a random person has a full-blown conversation with me That's very normal and in other cities like people just aren't as friendly I would really recommend following Dallas loveless and Dallas sites 101 Both those instagram pages are always recommending like the latest coolest spots So you have restaurants you have events that are happening in the city like concerts Hotels just places to go. It's very much. So like this social scene Um, everyone follows those accounts and everyone talks about it So I would follow those two accounts because it gives you like really good recs to the city I was moving to Dallas without knowing anyone. So I moved to Dallas. I haven't lived in Dallas proper But I'm from the suburbs so when I moved here Obviously, I have a big family and then I have a lot of friends from my childhood who lived here So I didn't move to the city not knowing anyone But I always say it just takes like you meet one person and you meet another and then you meet another Before you know it you've met like 20 people and then you can find like your Close friends, you know fun things to do that don't require drinking. So I will say Dallas is definitely a very Restaurant and drinking heavy city not drinking in the sense of like Nashville is a drinking city Like it's definitely not like that But I think like the social things that I do the most are definitely like I always go to eat with my friends And we always go out but when I first moved here, I really wasn't drinking at all. Yes, it was COVID But I mean you can do like a picnic like roasted picnic. I just did something with them Honestly really really good shopping here. Like it's my favorite city to shop in it doesn't like even over like LA and New York Um, there's very good shopping here. There's very good like designer vintage like resale stores Oh, there's katie trail, which is really great. So the katie trail is a trail that everyone walks. Everyone loves It's very cute. It's really big. There's white rock lake. I love love love white rock And that's just like kind of off mockingbird. So that's not far at all And also I will say like oh my god, there's nothing to do It's like those are typically the people who have like never made enough for it, you know But I will say it's not a very outdoorsy city like Texas is pretty flat at least like Dallas is And there's not like crazy hikes or anything, but we do have katie trail also lake life is a really big thing here So find a friend who has a boat honestly like that is a very good pro tip in Dallas But there's a lot of lakes all around Dallas and that's like a really really big thing as far as like little like weekend vacations Um, there's a lot to do in texas the wine country is like further.  Also the two airports in Dallas dfw and love field so love field is but it's really small and it's like hassle free It's just when you fly love field like it is just so nice dfw is massive But I fly dfw more often than not because it's cheaper and also more flights drug flights things like that How easy is it to get around walking driving public transit? So I've said this before we don't really have I mean we have public transit, but it's not common. It's not like taking the subway in new york Um and like la doesn't really have like great public transportation either I mean we have obviously we do have public transportation, but it's not very common You can definitely walk in the neighborhoods, but you need a car like you drive around Do you have to be yee yee to move there? So dallas itself is not yee yee I like cowboy boots. I like country music like I like that stuff There are definitely neighborhoods and just places in general. It's not super country by any means It's honestly like a bunch of like we're I'm like literally I grew up in the suburbs Like I didn't grow up on a farm or anything like that. Um, but the city itself is not super yee yee That's a lot more fort worth So you have like billy bobs there which is so fun if you're in dallas you need to go to billy bobs Um, and they have the stockyards and stuff dallas itself is a lot more like modern has a lot of really cute restaurants and like trendy things It's not very yee yee. It can be but like it's really not at all. Is it expensive I mean compared to other cities. No, what locations are the most walkable? I would say uptown in victory park. What are your favorite things of dallas? I Love the people here. People are so down to earth and just like normal. I really love that It's obviously it depends. You can always find like a pretentious one of the bunch, whatever But um overall speaking it is very down to earth people Don't just like shoot and ask like what you do You're always gonna find that the 30k millionaires wherever you are. It doesn't matter But i'm talking to someone who spent a lot of time in other cities like it is just Very down to earth, which I love. I love the people. I love how I love the actual city like I love the farmers market. That's another thing to do that doesn't require Alcohol I love the shopping. I love the restaurant scenes. I love that. It's central so flights are easy Um, I mean I honestly love so much about it Like the only thing I could say is that there just isn't a ton of like outdoor things besides the katie trail And like that's good enough for me at this time. I love that we're so close to so many lakes. No, it's like lake life here I'm much more of a lake person over an ocean. It's really easy to make friends and to meet people You just have to put yourself in the position to do that As far as meeting friends too, like if you go to church and stuff like go to a church You'll make a bunch of friends common churches here too would be like I know like watermark in the porch is big social dallas shoreline Um, yeah, like those are like bigger churches best way since to go for walks I would say katie trail or round white rock. Okay, so I answered a lot of questions If you guys have any more let me know and maybe I'll do like a series on tiktok That's probably what I'll do. Anyways, I hope you guys enjoy. Let me know if any of you guys are moving here How exciting? Oh, also, I cannot believe I didn't mention this and my janeva app on the janeva app Which is basically like a big group chat. It's like the kensiel is with home And there's a room of dallas people So we have an entire like group of girls and guys who live in dallas who have just made friends hang out I had like a happy hour for everyone at toller patio.


I'd love to welcome everybody to another Friday live stream here in the independent investor channel Buckle your seat belt names Ryan been doing the product here for quite some mini moons and just seems like what yesterday we kicked off and started Footstomp and the importance of financial stewardship and everybody's life. You know, what's funny to me is? Volatility kicks up in the markets and it seems like everybody wants to start picking sides and you know Start the divisive the divisive attitudes and you know, the irony in the whole thing is wealth building and becoming a Participant in the stock market can actually bring people together. It certainly can I've spoken to so many people over the course of the last four to five years doing this project a lot of people know that I pulse in with people directly and for a lot of people it's How can I work on my you know, my fitness to enter into financial markets? In other words, some people, you know, may be out of control with their spending and they might not even know it You know, they're their own worst enemy. So, you know to get kind of control of that stuff and and then look at the opportunity To get yourself right before entering into financial markets can really empower those individuals to stepping into such a better place and you know, so many different spectrums of investors The cool thing about investing is it does not discriminate You can be young. You can be old You can screw it up and you can get it right no matter what your age You know, you can take little tidbits and and and little things that can work for for some people That may or may not work for you So application is key in understanding the the individual nature of driving toward that individual style for yourself Super super important But investing man in and of itself exists outside of people. It really does.  It doesn't matter what color skin you are It doesn't matter the beautiful thing about participating in financial markets and this is why I'm so dead set on always keeping the focus on Approaching this from a perspective of eliminating all emotion in your application all of it. Okay, and It is so important to parse through the noise. I Almost think sometimes with the access of information it almost causes more damage to the masses than good I think there's so many young people that are so hungry for For for wealth that they don't understand that there is so much more value in putting the time into learning the benefits and the psychology of financial markets and Learning the value of being a participant Learning the value in taking a company a good quality company a good fundamental company Into a correction or a bear market or even should I say Recession and if you've lived through those and I know there's a lot of folks in the group here that represents some portfolios that have been taken into some pretty pretty Aggressive downturns. I mean that for those of you guys that were around in the 2000 and the technology You know bubble there with with the dot-com era With the 2009 and 2010 mortgage-backed security crisis. That was a real scare Brexit as well some of these that come to my mind where I remember looking at the portfolio and saying This is just completely unnatural. Yeah, why are we doing this? It doesn't make any sense at all And it's one of those things. I love using the term and I know that there has been some that's been thrown Out there out there that the stock market has a 100% recovery rate Now past performance is no indication of how the future is going to transpire But I tell you what I think there's so many investors out there that run the risk of doing more damage by not participating in Financial markets and do you see how I kind of avoid the word investing all the time? I think when I say investing to a lot of people and they throw up the red flag And it's just faux pas.  I can say all the time your best shot of Entering into perhaps maybe a managed type of mutual fund or a passive index ETF type of a program, you know, there's the upper echelon of those products if you if you follow JL Collins JL Collins is one of my favorite influencers and he talks about the importance of the total stock market index That's why we talk about Vanguard's total market ETF to where you can take a position in that and you can hold it for a lifetime and You can set yourself up for the best chance of Financial security in your future by taking on the least amount of risk You know the irony on that is so many people want to just take that very pure message and bastardize it You're wrong. I'm right. I'm right because this and that you're doing it wrong It doesn't make sense the way you're doing it. You've got to do it my way You should check out these three YouTube channels on here. They've got all the answers I'm here to tell you man YouTube is interesting because it gives everybody a voice and I find it Ironic that there isn't one person on YouTube that I watch not one That I don't look at as just another human being. Okay in perfections. Yes opinions yes Immune from making mistakes no No Probably been through some life lessons Probably those are the people that I have the most Appreciation for and the most respect for because I tell you what those intangible lessons from experience Go a whole lot further for me Then those folks that don't have that experience that that doesn't mean that you can't start on your road at any time Okay What I find ironic is is is some of those folks that think they've got all the answers and they've got them right now I'm here to tell you that that just doesn't exist. It doesn't exist in life I sure as hell does not exist in the stock market the stock market I've said for the people who have been with me for many many moons. It's one of the most humbling activities It's one of the most Inhuman activities it is a robotic activity. I love my wife Okay, I don't apply my same love for my wife that I do for the stock market the stock market has its own Unique application that is required and that is a takeaway for all investors And I think all investors that are Inexperienced in the market try to take the stock market and they want to try to make it something to make sense for themselves That's not going to happen The stock market exists outside of people and the idea of looking at what has been tried and true to work in the stock market Fundamental approaches to try to corral this activity Because the market is going to do one of two things over the long term It's going to go up and it's going to go down and you think well That's pretty simple Ryan should be pretty simple to you know buy low and sell high The irony in the whole thing is most people completely bastard eyes that charge right there and Completely screw it up. They want to buy the market when everything is hunky-dory Everything's going up Everybody's giving each other high fives. We come into the independent investor channel and we celebrate. It's awesome My good friend Christopher Blaine is in the group shot out to you get well my friend I guess your battle and a little bit of an illness that does shout out to you my friend But you you're quick to recognize, you know, man I remember the attitude when we come in here and You know the markets at all time high all time high and and it's it goes back to my old onus It's never really as good as you think that it is and it's also never as bad as you think that it is It just is what it is and I hate to sound cliche about it but certain applications can provide you the best chance of Making the most sense of this opportunity for you and your family It's that simple and I really want to premise to each and every one of you guys you may hear some encouragement You may hear some inspiration. You might hear some ideas even about the stock market But here's one thing I will not allow you to do I will not allow you to come into an opportunity like I provide on the independent investor channel and think that i'm more Special or more eligible or more credible than the next person I try awful hard to be unique But i'm here to tell you guys if we were having beers in a barbeque in the backyard You you'd be like man ryan.   I think this is missing all the time Where we have this beast called youtube owned by google 20 to 1 stock split announced this week But it gives everybody a voice. I don't think everybody deserves a voice The damnable misery of it is everybody has the opportunity to throw down and buy yourself a nice HD camera put yourself in front of the computer because everything everybody has one And go ahead and offer your comments that can be a great thing It can be a great thing It can also be an extreme detriment an extreme detriment The irony is the title of this video here that you should just panic yourself out Because your portfolio and your net worth is going to zero I've been investing my entire life and as much fate as I throw at the wind I I do come back to the statement that I make and i'm dead serious about this If you're going to live life and you're not going to participate in financial markets Especially for you folks that have the opportunity to do so Because I have folks in my international community That say all the time you are so lucky You're so lucky and for those folks to scoff at that opportunity that's right in front of them And and not take advantage of and not internalize the opportunity to become a participant in the markets What I mean by that is to internalize the opportunity the everyday products that you use the detergent that you use The tylenol that's in the cupboard the metamucil that you use procter and gamble johnson and johnson stay with me The vacations that you take down to florida and the disney experience The very nature of this digital anchor that we all have Right called our apple iphone Um the service provider that provides us the opportunity to connect with people all over the world You know those opportunities to leverage, you know, some of these health care and pharmaceutical companies That are making breakthroughs to make our lives even better To to to turn down and not acknowledge that Not only is there a great opportunity in financial markets But it has been tried and true a place where wealth building can take place at its granular level The damnable misery of it is people have a great way of taking a beautiful thing and screwing it up royally You'll take it and it's not good enough that 3% dividends that i earn is just not good enough Somebody's doing something and projecting maybe that they're providing A little bit of a testimonial to the success that they're having but that's not good enough It's it's not good enough. It's not fast enough. You're not getting me to that retirement age at 30 years old Which I find interesting enough I'm 43 years old folks, man, and I just cannot believe Some of the Some of the attitudes that people have nowadays about just slowing the hell down Slow down. You're already a winner Life is a gift, man It's all you're already a winner Slow down If I could entrust to you from the deepest parts of my wisdom find meaning Find meaning and if you're looking for that meaning in the stock market I can tell you what you are looking in the wrong place because the stock market in and of itself is extremely shallow If you want some sort of reciprocation the stock market is what it is. It is a wealth building vehicle Okay, it's how you go about customizing that wealth building opportunity for you Stock market's going to change But you can customize that opportunity for yourself to really to really make it Make sense for you to get you off the sideline to go from a non participant To a participant in financial markets. You can walk into home depot and say How many people in here actually own shares in this company? It's something to be proud of guys It's not something to apologize for it's not be proud of it Advocate for those people out there across the world man that cannot enjoy financial markets like me and you can Advocate for those people that don't have an opportunity to break out of a lower economic class And by nature of us advocating for those folks that are empowered We represent more than just ourselves But first we represent ourselves Then we represent a a grander empowered community of people who understand Psychologically that yeah, there might be an ease of entrance through one or two products out there and the account That is held to be an independent self-directed investor in the markets But we understand why and the understanding of why Sometimes takes a lifetime to evolve to that place to where we can really embrace this opportunity It's super super important guys And if you say well investing is gambling ryan, you know, I can't put dollars to risk You can but the question is how much of your life do you want to carve out? I work really really hard to teach the audience on how to put this opportunity in a box And keep it there the stock market's not going to make you happy It's not It may make you money and it may lose you money.  I enjoy his channel. So shot out to him I really enjoy paul's message It's kind of the back of my mind when I talk about those experienced folks that They demand our respect. They demand it me at 43 not so much You know, you can make your pop shots at me. That's fine. I'm still growing and evolving I feel like a kid in the back of my mind anyway, but I do have some life experience There's no doubt about it, but I enjoy paul's message. I really do I just want to welcome everybody in in the gallery here that's made their way into the friday livestream Always looking to deliver you've got my locked in focus for you guys, man Because if there's one investor at a time that can look me in the eyes and understand how passionate I am About finding that spark. Maybe it's in your bottom right foot and your toe Maybe it's up here. Maybe it's in your heart. I don't know But you got to find it for yourself. I can provide the spark for you There's no doubt about it And that's what we aim to do on the friday livestream fastest 60 minutes on youtube Welcome to everybody be back in a moment A lot of people may question why it is I do what I do I just had a friend of mine Tell me that she went in to sit down with a financial planner Went through the whole spiel with her and said that they couldn't help her because her net worth wasn't Above the bracket of 750 thousand dollars To help this person who had just sat through the spiel I am adamant I am adamant about a fighting a system that seemingly keeps their thumb on people And if you can find out just for the sheer cause of it Look at the prospects of taking control of your own money for a lot of people It's scary a lot of people are like dang now you got my attention This is interesting in a system that is designed to put their thumb on you Okay, over the course of 40 years invested with a financial planner. You will surrender 60 of your profits. That's not magic That's mathematics. Okay. It's not magic. It is mathematics I highly encourage you guys if you want to be an empowered investor understand the effects just over three percent Of your invested capital over your lifetime and some people are turning in and registering a lifetime of investments Of 40 plus maybe even 50 years You want to talk about the impact of the bottom line? You put a home mortgage on the top of that that's amortized over 30 years The bank owns you and the financial planners own you you want to talk about the power of a liberated dollar Well, you've just anchored your dollars to the ground in two capacities living the american dream. Okay I'm here to blast all those barriers out man. It's just that simple 72 patrons in this live stream right now, man. I give this live stream if there was three people in here or 10,000 it doesn't matter. Okay. It doesn't matter and Honestly, man. God willing if I have the opportunity man to speak to people I certainly will so what I was put here to do there's no doubt about it. I live it. I breathe it I work it. I've seen it in my application and the amount of mistakes that I've put forward in my own personal application I'm trying to look back and give you that 20 years of experience talk to that person In their late teens early 20s Who's just starting out and is sitting across from me and this like man. Ryan's laying down the goods tonight What are those mistakes to avoid? What is it that I need to look for in my application? How do I do this Ryan? How can I achieve that maximum amount of potential wealth? By taking on the minimum amount of risk In my application super super important to understand that ratio right there guys It's all about the risk reward and I have met people from around the world india Certainly is really really of interest to me Our brothers and sisters in england our brothers and sisters to the north in canada as well Phenomenal investors and it does not mean that you have to come from money. It doesn't mean that at all There's folks that are pulling down less than 20 thousand dollars a year and they are phenomenal wealth builders They're phenomenal because they get it if it's 600 if it's six dollars and 71 cents a week that they've gotten surplus Then that will go away and they understand that the time value over time if they just buy into a plan And not fall off tilt which americans are really good at because they tune into a lot of big youtube channels And they're just like yeah sell everything man I'm going to tell you right now guys My title to this video is meant to scoff at every single one of those applications, man Every single one of them. Okay, if you're looking at that you're following that type of of guidance And it's contrary to what it is makes sense to you in your customized application It is wrong. Nobody has the right to sit across from you and tell you what you need to do with your money Myself included nobody nobody has that immunity and and i'll attack anybody that thinks that they do I'll attack anybody who thinks that their opinion is the governing opinion over and above all It's just that simple. Okay, you've got to understand that your awareness to financial markets Is really the key in customizing that that application for you that that's the key make it make sense for you Okay, come into the independent investor. No problem. I'll provide you all kinds of fire. This is how I am all the time Okay, have yourself a drink no problem. Okay, but as far as me Telling you what it is that you're going to do with your program. I don't play ball. I just don't okay we do provide testimonial a week to week and Give you guys report updates and status on the portfolio. I'm glad to do that for you guys now Why do I do this? Because nobody else does it and I think it's funny and I think The real barrier and the status quo is if you like talk to money about money with your friends or your colleagues It's like, I don't know. It's really a secret to deal. You know what I mean I just I don't get that maybe I'm wired differently. I don't know It's not really that big of a deal I look at money as the renderings of a well-laid plan. I do and the more common place Regular and I do say regular working class people who take pride in their work who take pride in their trades electricians carpenters, right plumbers truck drivers Okay, who take pride in their work and are just trying to Make a living for themselves and their family and maybe put a little way for their financial future Those are the people that that I advocate for Okay, and if you can grab a little more knowledge and apply this for yourself It's going to make you that much more powerful and it really should Give you the opportunity to walk around with your head a little bit higher Because you're going to know stuff that that the average person doesn't know That's why I'm so fired up every second of my delivery is super important to make sure and get to people And I know that people take this and they're like man, you got to watch this guy Just pay attention if you don't like him no problem. She sure as hell don't subscribe to the channel He doesn't care anyway. He doesn't care. I don't I really don't care I have thought about hiding the subscriber count from my channel honestly Because either I'm a target to challenge which That's okay, too. I guess I don't come on and profess like I know it all either I don't but I'm I'm also I do not govern what it is that I say, okay This is America jack. We say what we want as long as it is it is done with some tact and with some cooth Say what you want. Okay consume the content if you will if not no big deal No, love lost. You're the one that's missing out. It's no doubt about it Our young people need to hear this message They need to understand that there is value in other things in life other than the stock market Stop looking for your satisfaction In that Ferrari or that Lamborghini that you're going to get next week.  Stop looking at the stock market as being that So I declare these portfolios to you guys as just renderings of a well-laid plan That's all it is. Okay Account holdings here. We added a couple things here. Obviously the google split. I'm pretty excited about Not a whole lot here in additions outside of tqq q which does supplement My jl colin's favorite vti VTI is one of those funds that you could it could house 5 000. It could hold 500 000 It's it's comprised of around 4 000 Stocks and it does represent the total u.s. Market extremely low expense Put it in a self-directed Roth IRA accounts. You're good to go That right there is the swim lane That I think a lot of people need to be looking into and they say god, what did ryan just say rewind it? I missed it God dang it heavy. I missed it And you play it again Self-directed Roth IRA account you'll find out that you have a $6,000 cap to contribute to If you cannot meet that 6 000, which I think It relates to the masses out there The masses need to be looking at the self-directed Roth IRA account to start If you can do that and you can do it with comfort and ease then you can look at All these other opportunities with cash accounts and taxable brokerage joint accounts if you're married, whatever it may be But vti can really be that standalone Baseline fund that you put in there and you basically own the entire us stock market Okay, vti over the long term does do quite well because you've got the small cap exposure In there as well. So when small caps do shine It does quite well tqqq nice supplement for that. I've been wanting to own it for a long time Map money is an investor in it. And thank you for you know for kind of covering that opportunity I really appreciate it and then Blackstone group, which is one that I've held previously I should have just held it all the way through One of the things that i'm going to talk about with regard to ground rules Some of the things that you should take into consideration if you're entering into the finance financial markets I'm going to give you six ground rules to kind of think about here But and one of those is uh, don't don't uh, don't sell so much Buy assets and just hold them forever It's it's the it's the smartest thing you can possibly do buy the most quality assets out there And just hold them the rest of your life And that's what a lot of people miss when i'm just putting out highly on videos every single week is they they don't understand that 91 percent of my assets are tied up in the majority of the philosophy that I that I profess is the way That most people the vast majority of investors need to seek out their exposure to financial markets The irony in that is I come out with those fundamental wealth building videos and they don't do very well on youtube No problem. I continue to footstomp them I throw them out there every now and then and i'm like dude that that's actually a useful video And they get three or four hundred views It's like, you know people are funny They want nfts and they want cryptocurrency and they want that Lambo next week and they're going to do whatever they can do Uh to follow like sheep to find out at some point the rude awakening that very very few ever follow A path like that and end up tripping and falling into the Lamborghini Not only that but for those that do I question the level of appreciation that they have because I tell you I wouldn't have traded where I came from from nothing.  We used to go down I self tell the story all the time man roll around in the mud go skinny dipping in the pond We we didn't have much money and uh, you know, we were we were well cared for growing up And um, it was it was it was an awesome upbringing So everything that we get up to this point is actually Just it's an appreciation Uh in in what it is that's possible in this life, man, and that's a beautiful thing I if I could impart to you or wish upon the grander independent investor audience It would be just that in one word Perspective it is all about perspective and appreciation I don't want wealth if I can't appreciate it. I don't want it And and that's the cool thing about some of these very few channels that uh, I aspire to now As I'm evolving in my application most channels piss me off. So I don't watch them That they they just get me down.  Um You'll find it interesting in my application If I can't say something nice about another youtube content creator or or or if I feel like I want to call them out Um, I reserve the right to not say anything. Yeah, if I can't say anything nice That's just that's just the route that I take uh personally in my application Um, take the high road, baby. All right. Here's the Roth one here Uh black rock was the big position added in during this downturn So these are companies that I've looked at for quite a while guys to add into the portfolio I I bought 10 shares.  It just takes one week in the eyes of the stock market one week of A rule of measure means nothing it means zero I do this for entertainment purposes only And I think people get a value out of the tutorial that I throw in between On really what this means and how to keep this in context a little bit But I do want to show investors. What's and what's what's possible It is it is possible to to garner wealth and just to put this into context for you guys I I started my career This will be 17 years In military service this year So 17 years. Oh, I started at this very account Right here with $1,500. I sold my Mustang convertible 5.0 93 5.0 I sold it for three grand 1,500 went into this account 1,500 went into this account So we're talking about $200,000 and $225,000 of wealth here From a $3,000 build-up started Some 17 years ago.  This was about nine years ago. I started self-directed investing So all of the years previous to that I had been investing But I had been predominantly a mutual fund investor As well as I thought I was a stockbroker at some point.  It doesn't matter. It doesn't matter The risk is not worth the reward Okay, the reward of taking it slow is what I advocate for and that's absolutely what you should do Put yourself on a program because you can control The amount of funding that goes into the account every single month through your dollar cost average schedule All right The next one is the vanguard sector specialty etf. This is up week over week. These are up handily I might add doing quite well here. These are the each of the 11 sectors In my custom allocated etf portfolio with vanguard. It does quite well There's a $20,000 bill in here. Nothing crazy. It's it's a relatively smaller account But man alive.   Okay.  That's fine. You're not listening. Okay I love you too. No problem. I have tough skin. I want to take pop shots Go ahead. No problem. If it makes you feel better. No problem. Let me have it I don't come on to social media with some sort of dream world expectation that I'm not going to get some sort of hate Because why because there's a lot of hate and discontent in the world especially for people who are advocating and also walking the walk for a successful mindset and trying to teach others About that successful mindset and I do rub feathers. I get it. I get under people's skin That's good. Some people deserve to have their skin Gotten under every now and then and again. Okay deal with it. It's all right All right, we're not going to make a difference if I get on here and just tiptoe through the tulips and not Make people understand that most people Don't get the importance of getting this Okay, most people need to understand at least iota More than what they think they understand about personal finance and financial stewardship and discipline They need more it's just that simple and that's why we continue to foot stop it because it's uh really an infinite topic It's infinite. Um, I don't struggle for content. I got all kinds of content. No doubt about it If I had more time that's what I like about paul with rap packs is because from my understanding He's retired and he does this for fun that he says that stuff. It resonates with me I do not believe that he I think he deserves a lot more subscribers I do because I think that genuine approach it goes a long way with me But I do resonate with his you know, maybe he's not really looking to get a bunch of Followers that you know are are blind following, you know He wants to generate churn in the conversation and I tell you what americans specifically are really really bad at um combative dialogue We're really bad europeans are phenomenal at it. Um, they'll they'll get spirited And they're just talking they're just communicating man seriously But you say the wrong thing to the wrong american and it's like holy moly you'd think that you insulted their mother Um, and that's not the case. You were just trying to uh provide your Uh perspective on a specific issue and you can't do that You've got to see it my way and just like the way the thousand of other people behind me see it Uh A bunch of group think think on your own Your unique thought is a beautiful thing man I had a psychology teacher in in college say, you know what ryan You got a lot of interesting things to say man You should talk more because I never talked through high school I just did my work and played my sports and never said a whole lot I think people need to take that and just say something say something You know say something like bob marley says say something. Okay. It's all right So what if you say the wrong thing just say something So what if somebody nitpicks what it is that they have to say or what they have to say is better than what you had to say To hell with all that just say it you it's all good We're not going to get anywhere unless we're willing to step forward and put our opinions out there on a specific issue It's just that simple This just turned over to 80 holdings in the portfolio. We had bhp billet and split I guess into two different Uh companies which was kind of cool So I allocated the split allocation to this and it did click over to 80 holdings in this I i'm hard pressed to pick up my phone every single day And have an email that says you've earned a couple bucks in dividends six eight bucks 12 I got one for 16 this week I don't even know what the company was But with 80 holdings in there those little dollars are starting that compounding dividend effect going forward It's a it's a wonderful way Of seeking exposure to the market. I wouldn't recommend doing 80 holdings with 50 bucks I'm just you know, there's 27,000 about 28,000 in this account. So Relatively small amount of money for this many holdings But I like the ability to have a few hundred bucks in each of these holdings I chronicle this on the channel all the time It's also available in the bottom of every single one of my videos take it's free. I give it away It's free If you like the idea you can take the framework of the portfolio and change it to your liking you can say ryan I hate smoking.  Okay, no problem Take the information and and and you can You can use that framework and that's kind of where the coaching piece comes on the independent investor group.com We roll out those opportunities to the viper group I provide audio feeds to the whatsapp group that I've got. It's a lot of fun And and I don't want people in that group that do not want to be in there. Okay These are serious folks are part of my family. It's just that simple And I go the nth degree to Protecting them the way I protect myself with regard to the mental edge. It's just that simple You think that this is something physically that you're going to do to make this thing, right? You're going to really put some effort into it Feudal it ain't going to happen. You got to get the mind right It's a mental application that's going to win out every single time But this is also up week over week got a little bond portfolio This suckers up every week And this is a little project that I started all five six weeks ago To put a little money into the bond portfolio This covers extended duration long medium and short duration Bonds in the m1 finance. It's a hybrid arm of the same portfolio that I just showed you there never hurts I I make 2.6 percent off of this nice little clip. It's fine. No big deal. It never goes down It it does nothing but go up. I fund this with about 50 bucks a week nothing too crazy That's just what we do. This is my bread and butter This is back up over 60 if you guys remember I took it in the in the shorts over the last couple weeks on this It rolled off a little bit and that's okay passive investing does this you got to remember man 20 percent is my current clip I openly share that with you guys 20 percent of my income goes into this now. I started with two So is there a starting place? Do you need to do 20 percent on the onset? Hell no get that start. I started with two percent of my income two and I started in 2011 We're in 2022 You guys do the math if you're like, man, should I do a 401k should I do a 403b should I do a 457? Well, I don't know. Do you think that it would be cool 10 years from now if you start now To actually have 60 70 80. Maybe you do better. Maybe you don't maybe only have 50 in there I don't know. That's not the point. The point is look at the renderings from just starting something that I started and I don't miss this money. I don't could I take it out and fall on tilt and go buy a car because society says that that's what I need to do No, I find more value in gifting this to my kids someday because I don't need the money Transcend to a better place guys. Okay. It is not going to make you happy Spend the majority of your time looking for those things that are going to make you happy. It's just that simple. All right Robin Hood has the growth in there That's up week over week You notice a theme here. This is the mid caps. We're up week over week. These are exploratory I have not chronicled these on the channel. Um, I'm doing a little bit of a I'm doing my thing on the channel And that's going to be my way for a while Um with highly on videos every Sunday because that's what I want to do. It's fun. I enjoy it People are like you're long-winded. No problem. I'll send you a refund.  It's youtube You chose to come in. Okay. I don't make riches off of putting my commentary out there on a company like highly on That i'm passionate about Leave if you don't like it. It's no problem. There's glowbex. This is going to be interesting I want to see this glow glowbex project here in the naztac Supposed to come out and be listed to the naztac this year They're pulling down huge contracts. They just signed the contract with american movil Which is mexican telecom Huge contract another one in the works for an australian telecom company Companies firing on all cylinders man. They do great work all the servers located in switzerland Not subject to the cloud act of 2019 Here in the u.s. All right super important little crypto account nothing crazy here I don't recommend this for the faint of heart. We up are up week over week bitcoin Doing great. This is not investing.  Yes. It definitely can make money This is in a raw thiore account. So a little bit different on my application. I've become an investor In these crypto currencies. Could it go to zero?  And if they pull it off it will be the greatest financial hack ever in the history of financial hacks and it'll be worth $2,500 of my money to watch it go down the toilet and watch a bunch of youtubers be like Damn, I don't have anything else to say right? Up week over week there $4.74 and the independent investor channel. We're still good We can still put food on the table. It is just a digital number This is not a pile of money sitting for me at the bank This is my digital number that we look to deploy in strategic buckets and put to work for us While i'm busting my hump getting value out of my job That I go to every single day to support the family. It's just that simple. It's just that simple Let's get to some questions guys. I don't know if I'll get to the lessons tonight, but there's a good gallery in here I just cruised over man. I just cruised over. I got rick in the in the game here. Sorry. I'm late. Don't be sorry You're all good man. I love you rick. I love everybody. I'd like to see a little less A little less divisiveness Amongst the community. Um, I'm going to really try to footstomp that on my sunday message Um, I think there's a lot of people that are extremely passionate about What it is that they're doing I I think it's super important for folks to understand that There there is probably some emotion tied up in this thing. Uh, and there shouldn't be But I tell you, you know for a guy that if if somebody looked at my position and said man You've lost that much money ryan. Um, are you okay? You know and people presume to think that they know where i'm coming from or what the back story was to justify that Most of my highly unholdings is house money anyway Now does that again does that give me justification to just willy nilly throw it to the moon? No, it doesn't but it speaks to my conviction on the company. It certainly does um, and this is why Now every week. I you know, I've got paul here in the group who does Um, a lot more frequent videos than I do and I like it I I I don't care if if you want to just call people out or you want to Disagree with this or that or whatever it else man. I'm hungry for information, man It's just that simple and amongst the highly on community, man It's tough because they're just not providing that information Now there are people out there in in the community and I I saw rick's post today and it was kind of like The opinion was great and part of me has that same opinion to say I know they're being close to the best Protecting the ip etc. Etc I'd buy that to an extent Okay What the sheer reality of it is Holy moly guys, you don't have to be afraid To offer status updates on the company I want to feel like i'm part of the experience as well In other words, the very cause that i'm investing in is very very real Reducing greenhouse gas emissions for this This earth is something that means a lot to me I'm looking to make money in the company. I'm looking to grow and evolve with the company And and if I feel like there's a lack of information and I'm not getting that transparency And a part of the experience and there's goings on behind the scene That that i'm not preppy to or should be made more preppy to or if there was opportunity to be made preppy to That we're just not being made preppy to that's what I have a problem with And to each his own I I read rick's comment today and I was like, yeah, I I get that I I totally understand We were coming from part of me feels that way too in a couple years. Is it gonna matter?  Yeah And you know, I look at it from a granular perspective and it's like look at all of the pedigree I do this on the highly on videos all the time all this the the the factory the team I think thomas healy is a good person.  Rather than fall on tilt and do nothing and dissolve away Time will only tell and I will not I will not project Those two outcomes my bullish conviction speaks to the latter Being that I believe that they're gonna do something special And I'm gonna continue to believe that because I believe we're so early on in this cycle that Judging the company right now is kind of futile You know some of those tweets that I put out that are pretty scathing I get dms all the time that are like even I thought your tone on twitter Was pretty off base ryan, but now i'm pissed off thomas healy sold 400 000 shares again this this week I'm pissed off. You're the voice for that I didn't really get affected In in that stock sale when I got to thinking about it a little bit more Do I think the optics are bad? Yes, I do anytime the top guy sells. It's bad He could tell you can tell me i'm wrong. You can disagree.  Sure I've only been investing my entire life, right? If you're going to tell me that the top guy Selling is completely normal with the stock price at four dollars and 13 cents Everybody's entitled to their opinion. I just will agree to disagree with you. That's all And I wish it wasn't going on because the last thing this needs Is more negative sentiment built on top of it. We need a positive catalyst. I want to feel good about this I'd like to get the sucker above 10 bucks 10 12 10 12 bucks by the end of the year. I think it'd be great I'll stop highly on videos if that happens. No doubt about it This thing goes from four to seven. You're gonna have people to the moon. It's the guy but jump on board Like it was more of a buy at seven than it is at four dollars and 13 cents You see the reverse application I'm drilling hard right now when the stock is basing at an all-time low. Could it go to two? I don't know. It doesn't matter. It doesn't know it seems to be finding some level of support here as we move into What is going to be and it's been projected to be A nice earnings call. I think it's going to I think they're going to surprise to the upside I think they're going to continue the streak of of of beating. I think this will be their sixth Beat I I think hopefully they can surprise and put something on the books. That's respectable In way of some revs. I don't know. Maybe three-quarter mil. I think that'd be great Half a million. I'd be happy with that too. Maybe realize that 359 on the accounts receivable book I think that'd be great too. So we're kind of building up to something special here But but I just have a hard time understanding that all that pedigree has been put into motion here for nothing I have a hard time believing because I do wholeheartedly believe that there is a need in the marketplace But we'll see as things transpire stay tuned. I will be coming out with another highly on video sunday's no doubt about Nothing's going to stop me doing that. Nothing. I'm well. I'm long-winded. Okay.  I'm sorry Just I'm not I'm not I do what I want how I want and when I want If you don't like that mentality I would employ you don't come to the channel But maybe pick up a piece of that on your own I think more people need to have a little bit more of a fighter's attitude In this life. Okay. Don't be so blasé about your opportunity. All right. Good stuff. Let me cruise through here Blackrocket owns holds there it does they've got 10 trillion in assets and their management They own the government pension program. It's it's one that I've liked for a long long time Okay, so it's a good holding. It's a long holding. It's easy to own the stock It's it's a fantastic asset manager and they they do a great job in deploying that so Very good stuff highly on equals removal of methane It's truly that easy And that's those are the those are the types of themes And consensus is that anybody whether or not you're a bull or a bear can get behind Absolutely. Look if highly on gets bought up by Dana or Meritor or another major No, no problem There will be no love lost because I would like to see this company kind of evolve if I can participate in that evolution Wonderful. I'm all about it Okay, but that is where my conviction lied from the very beginning. Okay It is is with that very opportunity To take what would have been off gas to the atmosphere and take it and burn it as fuel the technology is there I I think there's we're just at an interesting a moment in time where fleets have gotten so used to running One way and the paradigm shift now is knocking on the door Highly on and a couple of others not many but a couple of others and a couple of majors are working on it and saying Maybe now is the time maybe now is the time that we start rocking it out. Okay I'm going to tell you guys right now I'm going to go a little over time if you guys don't want to stick around over time with me No problem We're going to start winding it down But I am going to get to some of these comments in the comment section great message tonight. Appreciate you Stay tough So glad to have you sober trades is in the group you frequent a lot of messages And and you do actually footstomp that camaraderie piece, man And I I want to footstomp that message I I'd like to try to advocate for being a little bit more positive Even to those folks that are as contrary as they can be on the on the opinion That's what makes a discussion And I think we need to elevate our tolerance to constructive dialogue. I really do I I think we need to to step into a better place and not be so divisive It it drives it drives me up the wall and it really disappoints me when I kind of participate in that I it really does. I I feel bad. It's not me. It's it's just not me As far as highly on goes there might be emotional Injects that I I'm a human being I own 11 000 shares of the company.  I'm not a robot. Okay I I do think I do take things at face value And and if you were to ask me, do I think that, you know, thomas healy is a bad person Do I think highly on is a scam? No, I don't in in my in all honesty I if he's duped me and I sit across from interviews and I look at how sincere he is As close as to the best as he is with his information. I with I wish he was a little more charismatic, but he's not You know, um, I'm my own CEO of my own company and and I'm as charismatic as I need to be He he's running, you know, a major company and um, and and I think he's trading lightly And I can respect that to rick's point. I think that was his point on the uh On his comment today, and I did appreciate it. So if I probably my highest conviction I totally agree. I doubled down. Um, I did buy some so-fi leaps this week as well along with my hyzon and nicola leaps And uh, paul might be interested to raise an eyebrow on that one. Um It is is nicola a scam Boy, there was some pretty scammy stuff that rolled out. There's no doubt about it But I I can't deny the good stuff that's coming out of it I'm a little more bullish on hyzon actually with their international exposure Be honest with you But I think as the trend as the technology uh transpires over the time, maybe these companies get bought up I don't know. Are they going to be able to stand on their own? I don't know. I'm in the money on both of them. I picked up hyzon I bought the long calls when it was below five. I'm obviously in the money now. The stock is just over five And we'll see how it goes 2024 if I've got the option to buy hyzon at uh five dollars a share It might be a gold mine for me. It might not. I don't know. I could sell the calls back right now And make money on it. I've had the calls now for three four days. I'm up 30% No big deal, right? But the idea there is to kind of wag that technology into the future because gosh I think even with highly on a nicola and hyzon I just think we are so premature on this deal And and I don't know if that was partially to blame for this back market to bring these things To bear to public markets or public scrutiny And they are getting scrutinized right now boy. They are getting pulverized and maybe some of it's justified Maybe some of it's justified. Yep. Yep. No doubt about it that silent alert in the house, man Fantastic. It's great to see a man generational banking shift Yeah, so fine And it was awesome to see that provisional bank charter get issued. That's going to be that's going to be huge That is going to be huge absolutely bullish on so fives ability to really put that suite of Wealth building in the same bucket for people. I just think it's cool You know, like I'm with bank of america old school. Do they really need all these physical locations? No, they don't I mean I I despise going into the bank anymore and and that coming from a 43 year old Think about these young people who are like, you know what I want to do my banking right here Who gives me the best shot at that? So if I fits that bill no doubt about it So they're on the front wave of the banking and the financial institutions going forward They're going to benefit from being able to take money At the zero percent level and and and lend that out at the federal rate So those are profits from zero to the federal rate to the bottom line So if I I don't know why it's sold off so much. I have no idea. It's it's a fickle market It's it's it's crushing anything out there that, you know, facebook took it on the chin this week Oh, it was a good quarter. It was a split tape You know EPS was down just marginally 4.36 percent, I believe And the earnings were gosh. What was revenue is less than 36 billion, right? If I'm not mistaken just less than 36 billion That's a monster. That's a monster, you know and and the margins on that They they add rates that they charge that continually go up companies have to pay it They think it's all about the loyalty of the user base. It's not companies have to do business with facebook It's a wonderful business model so Hey, ryan, what do you think about wealth front? They have us direct indexing over 100 What I've looked at wealth front it's it's pretty interesting. Um It's pretty interesting and correct me if I'm wrong. They are the robo advisor on the west coast Is that is that correct? It's it's interesting. I just I'm a big advocate for The self-directed approach the vti is going to charge a point zero three I know I was involved for a short time On the other one that's over here the robo advisory And I might be mixing those up wealth front I've looked at these briefly, but man, there's so many things out there But I I will look into it and I will provide an opinion next week on that I'm sorry. I don't have more specifics, but um, I I think that's what it is But um, yeah, I I don't know man putting people in charge of their own money man is kind of where I'm at It's super important here. So if I should be higher on the radar massive growth. Absolutely. Couldn't agree more Michael Babcock they own five percent. They sure do. There's a lot of major institutions I look at the institutional ownership on highly on and I'm I'm I'm convinced that There is more support on the floor than they're given credit for there's no doubt It gives me some comfort to know that that support In the safety net is is there and I'll hold the shares indefinitely This is where myself and rick and a lot of the other bulls And a lot of the other patrons, you know, a lot of youtube channels that are that are bullish on the company And they don't need to own stock in the company. They don't make no mistake That there's a ton of people. I don't want to speak for paul, but he speaks for himself On his message when he talks about his belief in wanting this to succeed What I kind of don't understand is those people out there that are so adamant in Driving this opportunity. I'm not sure where that motivation comes from I mean, if I'm going to see a company fail, let's see altria fail. I really they're killing people I yeah, right come on You know, let's not continue to stymie technology All right Let's facilitate The development of technology, okay And and I I do separate the fact that I am a stock owner in the company I I totally get it man, but I'd like to see the company succeed. Um, that's that's my humble opinion, honestly All right Eric weaver she shrugs Do you think with the new hire at highly on being with meritor and a former ceo? It's a possibility that meritor I've thought about it. Um, I saw a piece of um Correspondence it was a very well done video on the meritor E-axle And it did not mention highly on one time and perhaps some of you guys can comment and say that I'm Missapplying, but it seemed to me that meritor was coming out with their own product Um now whether or not they look to consume the IP from highly on just to absorb it Meritor has been around a long time. They know what they're doing. They're very good They're very well established their customer base their sales across the board I'm not sure what their strategic angle is here Stand by for roles.  Okay highly on has made waves and it has got attention The technology is there. I do believe that the hyper truck erx does perform as advertised I do I certainly do and I believe their carbon score Can produce net negative results. I believe that Okay, now whether or not they're able to stand alone on their own and and and and even put a put a put a dent In this larger institution My doubts have have absolutely crept into the picture now. There's no doubt about it I mean, I have more hope As opposed to sheer conviction from last year now I mean, we're talking about a stock price that's been pulverized the stock market And I may ask I may try to jump on the call I may try to get a question and on the earnings absolutely Ryan chart here a cornerstone capital solutions independent investor, you know, I would say congratulations about your 2021 first year in the books here But it's been dismal. It's been horrendous the elephant in the room the neon green elephant in the room It was a horrendous year Down 90 percent from peak to trough horrible, right? You guys want me to interview the coffee cup? I might do that sunday. That might be kind of fun Might be kind of fun. I got to be in my element, but I think if they bought highly on It is what it is I was chatting it up with one of my friends via dm here and it was like that. I don't know that might be its saving grace who knows There might be enough there salvageable with the battery technology Some of the ip some of the software systems the intellectual positions that they have some of the tech positions that they have Some of their engineers that they have with highly on just absorb them and start going at this thing from more of a collective because right now highly hands on an island and it's Excuse me. It's quite obvious that they have a hard time Surviving on the island unless it is just that premature And the interest is going on behind the scenes. I'm missing. Okay, but we'll just see Jamie not confident it will might be one of the learning lessons. It could very well be I don't know if you guys are talking about. Thank you very much for you guys that Are not familiar with paul's channel. Please love to love to provide that segue to his channel From me personally It's one of the few channels that I frequent now to be honest with you My time is just just way too valuable not to provide to somebody else, but it's just consumed by other things service coaching Making whatever a little bit of content that I can squeeze through And continue to remain somewhat relevant and making sure that i'm foot stomp in my message But paul paul's channel is here you find him over there wrap pack stocks Does a great great job. I think you guys, you know He delivers a really unique message and I really like it's very very sincere So check him out. See if you like him. He's providing some valuable content. I appreciate him coming on Spending a few moments with us this evening. I hope it was time well spent. There's no doubt about it. All right When we'll highly on turn around man, that's the million dollar question. Jamie Well if there's If there's ever been a time where it's been Ready or ripe for a turn around now's the time anyway I just talked my voice out you guys know you guys get the 100 maximum effort God That's awesome. This was an awesome live stream man. Thank you very much. I delivered the nuggets tonight. There's no doubt about it You guys got me crying. There's no doubt about it Weaver says dca love it man. Give us the emotion ryan Hook him horns sober trade says get him ryan. You're the man 20 year vehicle here Fantastic Awesome got rebecca in the house shot out to you. It's great to see you my friend all the best to you in 2022 Got dexter's in the house meant drive mix game hell. Yes the footstop dexter The problem with given a shot out here at minute Oh six is that dexter is getting like a ninth inning shot out once you come on the channel with me one of these times dex You guys got to understand man I have no problem with running this thing myself. I obviously can can talk this up I'd love to see this thing hit 100 because I will do a 24 hour live stream You guys think i'm joking man, and I've had a few people pick up on that and they're like damn I'd like to see that too. Um, I do it. You doubt my ability. I'll do it but Dexter just put down a good q&a. I still need to catch it. I've heard some reports come back through my desk That have told me that's a killer piece of content dexter. Thanks for everything you do man Be safe out there on the road and keep delivering that content man You just don't know how invaluable that information is to somebody like myself And for somebody who's trying to bring people together And it doesn't have to be around the highly un-message. It doesn't it has to be around the wealth of building Idea if you can set yourself that much better off into the future man. That's what we're after We're not after getting rich overnight. We may make some money with some highly on this might be the biggest mistake that I've ever made my life I'm I'm prepared for either outcome I really am but that information that you're providing to me means that this product Is actually being put in the rigor of over the road transport means a lot to me man Keep keep foot stump in the message man. All I can tell you from the bottom of my heart is thank you Thank you for doing what you do. You don't have to but you choose to do and it means a lot to us Thank you very much. Good stuff. Let's cruise up here man. It says as I still drive a 10-year-old car Yeah, yeah, because it's just that's the way he is Rather have security over time certainly and I think that's part of the necessity That's part of my passion about When I talk to people day to day They want to get involved. They do. They just don't know how and they don't understand the The the urgency that needs to be taken on to Get to a point down the line in your life and have the greatest chance of avoiding regret That's what this is of all about Okay, quality of life. That's what this is about man having some perspective So paul's sharing that man to give you guys some perspective on this deal. There's no doubt about it. Okay Adding blk on this dip. I bet you I like it very cool. I'm cruising up to make sure I got six more minutes I'm gonna do minute 15 in here an hour. Just isn't enough for me. I just I love this opportunity every friday to come out and hang out with you guys When I first heard of a Roth in middle school I wanted to invest with the Roth tried to search the internet to find out who Roth IRA was And get his phone number That's awesome. And well, we all live and learn no doubt about it And that's all part of it is to footstamp these different messages On on these opportunities so people who aren't so familiar with The wealth building opportunity can kind of make a little bit more commonplace this terminology And and and start to kind of use and apply some of the stuff that I talk about You don't have to say investing you start to talk about investing people think about it synonymous with diet Or exercise, you know, I mean it needs to be a lifestyle change And it once you put it to somebody that way It makes them resonate It makes people resonate with the message a lot better and it's it's just it's just the way way it goes I I do I do my very best victor. I really do have a lot of fun There's no doubt about it, man. Very cool. Eric, great to see you I like it couldn't have said it better myself a couple more minutes guys as we kind of cruise down just drink Some shout outs to some folks here, man Andrew, great to see you. Thanks for coming and sharing your time with us in the community We are in fact stronger together. No doubt about it Briani investor. Yep, absolutely I will be decompressing after this. I always get pretty fired up for the live stream It's no doubt about it if we have the opportunity to get to Some of those investors there's about a thousand, you know, there's there was a hundred in here tonight I'm watching it live But there's about a thousand that catch the live stream after and I always question Who are who are those people out there that just don't want to comment? A lot of people don't They want to just consume content. They want to take it is it internalize it They don't want to be part of the social media experience. I've all the respect for that in the world But uh, you know, I'm speaking to those people too Those folks that are also part of the message Super important, man Super important matt's in the house Fantastic. Great to have you matt. Thank you very much really appreciate it TGI is in the house I drew thanks for making your way in man. I'm sorry about the extra innings I was a ball player growing up But uh, sorry for the late shout out here always listen to you at a half Yeah, listen to you at normal speed It's easy a little I I like quicker you I'll be back in 20. Enjoy your stuff. Fantastic Is that you know, I I speak off the cuff, man No real no real fluff and it's not perfect But I'm real it's just that simple. I'm real try to get through to people man. Hopefully we can We can get people to that end where they might not have realized that end Hopefully we can provide them a little spark of motivation to get there very cool stuff, man Very cool stuff I'm getting kind of the end man a cruise up. I always review the comments afterwards. There's no doubt about it I'm going to throw an invite here into the bottom of the thread If any of you guys want to kick on with me, I'll check back for the next 10 minutes or so after the live stream It's amazing some of the recipients that have taken me up on that very Invite, but there it is. It's at the bottom of the thread there Becky you get the last comment to the night because you sum it up so well You're such a lovely person and thank you to you for being part of this community Thank you to the grander independent investor audience, man You're all part of the message you own the message. I don't just that simple your success By administering the message is the success of the channel. There's no doubt about it. That's how I receive my payment It's just that simple if we can share something that works for somebody That is in fact what we are after on the channel. There's no doubt about it Thank you so much for being with this guys have a great rest of the weekend We'll catch you next friday on the fastest 60 minutes on youtube. Be well guys. We'll catch you next week