Finance Experts Rate 19 Controversial Money Topics with @GrahamStephan

What's up, Graham and Humphrey? It's guys here. [laughter] >> That was good. That was a one take. >> All right. Today, I am here with Graham Stefen, the one and only, and we're going to be playing overrated, underrated with different types of financial topics. We both have these ping pong paddles here, and we're going to be talking about four different categories. The first is ways to grow your net worth. Second will be financial, social norms. Number three, investing beliefs. And number four, spending and lifestyle choices. Graham, are you ready? >> I'm ready. I'm looking forward to this. And we get to keep these, right? >> You get to keep these. These are my gift to you. I know you are a frugal king and uh >> this is what you get for filming with me. So >> that's so cool. >> You're welcome. >> All right. You got you got to sign one of these. >> I will sign one of these just for Gramp. All right. Category number one on ways to grow your net worth. Living with your parents longer than the average person to invest aggressively. Overrated or underrated? >> Yeah. So this means I think more people should be living with your parents to save the money. >> I also agree. Underrated. I think a lot of people should be staying with their parents as long as possible. But I also think there's a type of person who's going to live with their parents who's going to be completely complacent and they're actually it's actually going to hold them back because they don't have that like fire underneath them of like, oh man, I got to get my act together. I can't just like live on the couch all day and have my mom make making me the meatloaf. >> It's almost like they get too comfortable. >> Yeah. And so you you want to stay at home to save aggressively, but you don't want to take advantage of it, right? Like so much so that it's egregious. >> Yeah. >> Okay. >> But I also I think as long as you could be saving the money and you're not like living with mom and dad and like you're able to save an extra two grand a month, but then you spend it at the bar, then it kind of defeats the [laughter] purpose. If you have if you have a purpose and a goal in mind and that that's helping you get to the goal, then I'm all for it. >> Well, I stayed at home until I was like the age of 30. And I remember I would have extra money monthly and I'd be like, "Oh, well, I can go on some dates here and there and I can I can go to Nou, but uh that only happened once, but still it was a huge waste of money, but I was like, "Oh, I live at home. I don't pay rent." So, I would rationalize that spending in other ways. So, as long as you're doing it responsibly and you're investing aggressively, then I think it's underrated. Right. >> I agree. >> All right. Category number one, question number two. Uh you're gonna like this, Graham. Just cutting out coffee or small expenses. Oh [laughter] >> you think it's overrated? >> I think it is overrated >> because you probably think, "Oh, it's only a few bucks. It's not like, you know, the bigger expenses like your car, your house, like all of these things are going to make a much bigger difference." I see your point of view, >> but the little tiny ones add up. It's like It's like asking a bodybuilder, can you eat a donut? Sure, you could eat the donut, but the type of person that eats the donut is probably not also going to be the bodybuilder who's going to get in that physique. >> You know, I I would say it's under overrated. Excuse me. I would say it's overrated just because I think if you can be responsible with your choices, which I personally think I am. So, I'm speaking from my experience. Like, I can buy a $5 latte once a week and just call it there. But I do understand that if you're not behaviorally disciplined in all parts of your life, like it can it can get can get a kind of away from you, right? >> All right. Number three, extreme frugality. Overrated, underrated. >> I'm going to think everything here is underrated so far. Everything we could keep doing to an extreme. I remember I loved the show Extreme CheapKates where you would see people just go to like just >> out of this world just things to save money. Like remember the one where they're like not using toilet paper and they're using like this cloth and then just like wiping and washing >> over and over again. >> And I'm thinking, okay, you're saving some money. But I don't know. I I just think what whatever it takes for as long as it takes you just you got to get it done. >> What if someone's already saved like a 100K and they you know they've been extremely frugal. They've been eating rice and beans. >> Well, then they could get toilet paper [laughter] then then that's fine. >> Okay. >> They don't have to live. >> There's no balance in your in your opinion. It's just like extreme frugality to grow grow that net worth. >> I tend to think so. I think until you hit a number where that that compound growth kind of overcomes what you're able to save with extreme frugality, then I think the frugality really makes a big difference. Like I remember for myself until the age of maybe 28, I never bought condiments. And I'm talking like ketchup, soy [laughter] sauce, mustard mayonnaise. >> Chipotle and grab them. >> Yes. Because every single time you'd ever do takeout, they throw like five ketchup. I never threw those out. And so I remember I had a barbecue for Fourth of July and we were some some friends brought like hot dogs and burgers and for me in the condiments I had the condiment drawer with like hundreds of bags at this point. I just pulled it out and I give people ketchup and but I I'm just saying it's like don't be wasteful. And then at the same time that was the same point where I never bought trash bags. I'd reuse the grocery bags. >> All right, we're going on to number four. Moving to a lowcost area on ways to grow your net worth. Do you think that's overrated or underrated? I'm gonna go underrated >> so far. You got to get me to say something that's overrated. >> I know. We'll get there. >> I mean, look at what look at what we did. We're in Las Vegas where cost of living is significantly cheaper than living in Los Angeles. Like where we're at now to get this in Los Angeles in like >> four times the price. Oh my gosh. Eas first of all, this wouldn't exist because local zoning wouldn't allow this structure to exist in a residential area like right now we're within houses. You would have no idea this is here. >> LA, this would be a zoning no. >> What if someone has to move somewhere to let's say they move to a lowcost area, but the job opportunities aren't great. >> You got to balance it out. I mean, you really got to look at like, hey, what are the opportunities and what am I going to save? And there's there's an equation to everything. Or you could look at like, okay, I could move to this rural part of the middle of nowhere where my rent is $800, but my salary is going to be capped at 2500 a month. Like, that's a bad deal. But if you could move to Austin, where all of a sudden you could make 120 grand a year working at this new tech startup where your rent is 2500 for a house, then that might be pretty good. Or if you have a remote job and you have like a tech salary and you're living in this low cost of living area, you could you could suck away a lot of money, right? >> Yeah. But it seems like more and more often like your opportunities these days are really chocked up to relationships and how much you get your face in front of these people. It's harder to do online. >> The next one is actually networking is more important than skills for increasing your income. Do you think that is >> I think that's underrated. Yeah. >> Yeah. I think it's incredibly true. You got to be a people person and you got to just you can't be a weirdo and you got to kind of like >> you got to be pleasant. >> You got to be pleasant. But like you know the the friendlier you are, the more of a people like the more you see someone >> uh even if it's just like at the water cooler it's like yo what's up John? How's it going? How's it going today? How's the You see the game last night? Like stuff like that actually does make a difference >> and it gets you opportunities. >> It does. >> It does because because it's like who who comes to mind? Especially if if you're doing favors for these people. someone's like, "Hey, my work load is getting kind of crazy." And you kind of step in. You do you do a little more than what what you're paid. >> People start to think, "Oh, I like that guy." >> Yeah. I would say most people would probably choose someone that's seven out of 10 in skills over with a 10 to 10 pleasantness score over someone who's really great at great at what they do, but they're just awful to work with. Right? I'd rather just choose the person who's decent, but I can spend a lot of time with them. I'm also a firm believer that skills, a lot of them can be trained. Like there are people who are naturally gifted at something, but to get you could get like 90% of the way there someone with just a good attitude. >> Yeah. Okay. I agree with you, Graeme. All right. This next one, starting a YouTube channel, becoming an influencer, overrated or underrated? >> I'm finally going to say this one. >> I'm finally going to say it. I I show my red here. I think it's underrated, actually. >> As long as you're good. As long as you're good. Oh, that's easier said than done. I don't know. For for a long time, I said it was underrated. Um, a long time. >> Uh, I saw all of a sudden uh after 2021, everyone started making YouTube videos. Everybody. Yeah. >> Uh, but I remember like 2017, 18, and 19, I kept saying I made these passive income videos. And I'm like, if you want to make money, make YouTube videos. Right now is a great time. And uh some people I'm sure listen to it, but now it's I I just think the amount of work you have to put in to make any amount of money at all, you're way better off just getting a part-time job, doing anything, doing anything else will make you more money. >> Uh to do YouTube and actually do well at it to to overcome what you would have just made doing anything else, >> you have to be so good at what you do uh that I say for YouTube or social media, do it only because you love doing it. And money is secondary. I would say I agree with that. There's a huge sunk cost that you probably have to put into YouTube to even get to the point where you're making a decent income from it. Uh I was running the math with someone this morning. We were having coffee. I think you need about 500k views a month to maybe make 5K a month is is my guess. Maybe 3 to 5K a month. You need 500k views long form a month. And that's hard to do, especially as a new creator. Um the one reason I said it was underrated is that it's still you're getting a lot of scale for your work, right? you make the video once, it could either be viewed one time or it could be viewed a million times. And it's great if it's viewed a million times because you're making you're making so much more for the amount of work that you put in. And I think it's like one way to to basically divide up your time and what you earn. And I still think that that is true, but you have to be good. And if you're not good and you've given it like a year shot, you've made 300 videos and you're not getting anywhere, maybe it's time to go get a part-time job. I just see the amount of work that that like we're all putting in on YouTube >> and that's with an established audience. >> For me to recreate what I've already done, >> uh I don't know if I would have been able to have done it today given how much great content is is out there. Like people I watch videos and I'm like, "Holy crap." Like, >> yeah, >> I I feel like I'm a failure when I see what other people are doing. I'm like, "How on earth do they have the time to do this?" All right, we're going on to category number two. >> Okay, >> financial social norms. You're going to like this category. First one, money can buy happiness. And I think if you if I think if you say underrated, >> you believe that it can buy happiness. >> Yeah. >> And if you say overrated, money can't buy happiness. >> Okay. >> So, I'm going to go underrated. >> Oh, I I think overrated. >> Okay. >> Yeah. So, you think money can buy happiness? >> To a degree. >> Well, everything is to a degree. I mean, then I should be saying underrated. I don't think you're going to be substantially happier with more money. >> I don't think so. It I guess it depends on what you value. I value convenience a lot. And so as I've made more money, I've realized, oh, I can spend money to get rid of something I don't really enjoy spending my time on. For example, >> well, for example, for a while, I didn't have a washerd dryer in unit >> and I just went downstairs to the dry cleaner and they did wash and fold for me for 25 bucks a week. And I was like, "This is great. I'm spending 25 bucks a week. I don't have to spend an hour and a half doing my laundry every week. This is awesome." So that inherently gave me that time back, which made me happier. And I was like, "Oh, well, if I didn't have this extra 25 bucks a week or whatever, I would feel a little bit stressed about having to go to the laundromat and like putting the quarters in and then spending, you know, three hours there and figuring that out. So to me, I was like, if there are things that can buy me convenience, then I think that is going to make me pretty happy. Obviously, it's not going to solve the fulfillment issues or how great you feel with your partner or how great you're feeling like life is, but I think it can solve a lot of day-to-day little problems that that can make me in turn happier in the short term perhaps. >> Yeah. >> I don't know. I I think it gets rid of some stresses, but I'm like I think everyone has like a baseline of kind of where their temperature is set in terms of like where they are in life. >> And for the most part, it's always going to fluctuate within a few degrees of that. So if you're overall like you're an eight happy, you're probably going to be, you know, a seven to a nine. And if you're a five happy, you're probably going to be a four to a six. So I don't think, you know, I'm I'm no more happier today than I was like 20 years ago. M >> uh but maybe I'm a little less stressed out. That's probably it. >> Maybe you also have your baseline level of needs met. You know, if we we talked to someone who's really struggling paycheck to paycheck, I'm sure money could buy them a little bit of happiness. >> Yeah, that's true. >> Okay, so let us know in the comments what you think. That's a pretty hot topic. All right, number two. Renting is throwing money away. >> Wait, so what is underrated is that I disagree with that. Renting is throwing money away. >> Underrated. Sorry, these are >> This should probably be agree or disagree. >> I think this should be agree. Okay, why don't we do agree or disagree? Renting is rare money away. >> Disagree. I think I think renting is probably a better option for most people today. >> I would also agree with your disagreement, which is that honestly in a lot of these high-cost living cities, renting is by far the cheaper option and you should just invest the difference and you don't have to worry about being a landlord. >> Yeah, I'm I'm selling I'm selling a lot of my property. I got one closing uh Wednesday, I believe. That one's closing. That's the duplex. >> Oh, congrats. Is that your final real estate property? Oh, you >> No. No. I have another one in escrow. They were doing inspections today, so we'll see how that how that goes. All right. Next up, we got college. Overrated underrated Graham. Wait, you think college is underrated? Do you think more people should go to college? >> I think it gives people a really good basis for navigating like their adult life. But obviously I went to college. So >> a basis, no, a basis is you throw them out in in the real world and let them fend for themselves. Let them just figure it out with a with a boss and like skills, taxes accounting. >> So your responsibility? >> Yeah. Your opinion is like sink or swim. Just like just get them out there. >> I I just think experience like because otherwise you're just kind of, you know, spinning your wheels and call like unless you have a very specific field [clears throat] that you want to go into that that is required of that. Yeah. Or you get into an Ivy where you could be around a lot of really successful people and get into those networks then I think okay maybe >> uh if if you have a scholarship or something but other than that I mean things are evolving so quickly that by the time like what you learn in college is is going to be totally outdated. I just think that the the best course of action right now is to be really self-motivated, disciplined, >> and embrace learning on your own. And I think just about anything you'd want to like you have a computer in front of you. You have what people dreamed about having decades ago and you have it right now. It's real. >> Take advantage of it. I'm going to say underrated only because I think that a lot of people don't have what you just described, which is this willingness, this self-starterness to like just go and learn stuff on the computer. They kind of need this system to be in so that they learn kind of like they kind of execute a plan. >> Yeah. But you could still get that by having a boss. >> Like they're going to tell you exactly what they want done anyway. And you get to save four years of not spending money just to go to True. Like most of what these people learn in college, they're doing a job that like college is not going to teach them what to do in their job. >> Would you argue college is underrated for at least the networking part depending on the >> So you're networking around peers and so if you're at like, you know, Arizona State University going to like crazy parties, it's like, hey, are those going to be the go-getters? What if you're at like Stanford or Harvard and you know your classmates are like the cursor founders? >> Sure. But you could just hang out on campus. >> Like who's to say you just can't go on campus and be like, "Yo, what's up, man? How's it?" You can't. >> You can. >> Yeah, you can. Exactly. Uh even Michael Reeves uh was saying that what he would do sometimes is just walk into a Harvard lecture >> and just sit >> and just sit down and no one said anything and he was able to like just go to the classes and learn for free. Okay. All right. I think we'll agree to disagree there. Okay. >> We'll see. All right. We're going to go on to investing beliefs now. Uh number one, timing the market. Overrated or underrated? >> All right. I think we both agree on timing the market. Time in the market beats time in the market. >> Yes. So many data data studies show that that is exactly the play. All right. Number two, diversifying when you're just starting out. Oh yeah, I think so. Yeah, >> I think I see a lot of portfolios of 23 year olds and they have like 30 different types of ETFs and I'm just like, what are you doing? Just just pick one. Pick one and concentrate into something just the S&P 500 and and call it a day. It's really just more about investing a lot, contributing a lot when you're young, and also just staying concentrated. So, what are your opinions? Yeah, I think the S&P is probably or just like just a broad index fund like a like a VU, a VTI, a VT. >> Probably just one of those funds is good enough as long as you just stick with it. >> Or if you're feeling adventurous, if you want to QQ it up a little bit. >> Yeah, >> you know, so be it. >> Okay, I approve of that message. >> So that that is actually the next topic. Vu and Chill. Is that overrated or underrated? I think it's underrated. underrated. It's the simplest strategy out there. But because it's so simple, I think the problem is that people get bored. >> People get bored and they want a hobby. >> Yeah. And they're just like, "Oh, I'm" Because what do you do once you set it up? It's exciting for the first like month because then you're like contributing and you see it go up and down and then after about a month it's like okay well >> you wanted to do something >> or you you go on Wall Street bets and you see someone's making like thousand% return with MU stock >> or you see what's going on with SpaceX and you're like well you got an allocation and now it's worth $200 a share and they get bored and then they start playing around eventually losing money and then they go back to the strategy and get bored again. >> That's right. All right. Agreed. The next one is a 12month emergency fund. Now, this is not a three to six month emergency fund. This is an overfunded emergency fund. Overfunded. So, 12 months. >> Yes. Over overrated. I I think Listen, I I think the the type of person to save up 12 months is probably not the person who needs 12. The people who need 12 months don't have 12 months. So, if you have the capacity to do 12 months, you don't need it. Probably >> agreed there too. AI stocks. >> Okay, I'm gonna go overrated. >> I'll also go overrated. A >> little hypy right now. I saw there was a company that just put like AI in in a name of something. Yeah. Oh my >> just went from a shoe company to AI company. >> Yeah. >> Everyone is now doing AI and it worries me. It reminds me of like 2021 when everyone was throwing crypto >> or NFT or metaverse. >> Exactly. Yeah. >> And everything was shooting up of like, oh wow, they're embracing, you know, they're taking Dogecoin now as payment. So >> some of these companies don't need to be AI. Exactly. And so I think actually right now maybe some of the value plays are the non-related nonAI related plays. Something like consumer or >> Costco, you know, something. >> But Costco is going to be an AI play. I guarantee I guarantee they will because they have so many back-end infrastructures that they could replace with AI. I wouldn't be surprised if at some point they say, "Hey, we're letting go of 20% of our workforce because we're having these robots now like categorize certain things. AI is going to predict what you're likely to buy and we could increase our bottom line by reducing our expenses." >> Okay, thank you. Next category, spending and lifestyle. Credit cards. I know what Dave Ramsey would say. I'm going underrated. >> What do you mean by just credit? Just like getting a credit card, >> using credit cards. >> I mean underrated. >> Uh I would I would say if you're like credit card churning. >> Yeah. >> Uh I would say overrated. >> Yeah. You know what's crazy? Credit card churning used to be a great hobby. >> 2016 came around. Chase Sapphire Reserve uh came out. credit card churning just became so popular. That's when I got into it was 2016 and I went through I had so many I I think at the peak I had like 12 or 13 credit cards and I was racking up points and I was using the points here and there and then it became so restrictive >> and so many people started doing it and then the benefits started getting worse and worse and worse. Now it's not even worth the time. Like it's very >> Chase Sapphire Reserve is not even that great. Have you seen the benefits? But they suck. >> Uh now I would honestly rather just like the Robin Hood credit card. I don't have that card by the way. Yeah, but objectively I think that is probably one of the most attractive offers that I've seen. >> Cash back on everything, right? >> So like that's probably better >> just for simplicity. Put everything on that card. >> All right. This next one is an expensive wedding. >> Overrated. >> I'll also agree. I'm not married, but you you can speak from experience. Tell me. >> Yeah. Um I don't think you need to spend a lot of money. I think it's just all people care about is being around like good vibes >> and uh happy people, >> good food. Uh yeah, but the I wanted to cater Chipotle. Like it doesn't have to. No, we didn't. We did not cater Chipotle. I said I was fine with K. But like I'm I'm telling you if if you want to get married, >> people would have the time of their life. If you just rent like a farmhouse with an open backyard, you catered Chipotle, you got Domino's pizza delivery, you go to Costco and you get like $1,000 of alcohol, you get speakers, and you plug in a Spotify playlist. I guarantee people will have the time of their lives and you get like some some games and maybe a petting zoo or like some people will have so much fun. It doesn't need to be over the top. >> I agree. I think that I've been to some weddings, they're over the top, the food takes an hour and a half to get to you, and by then you're just like, "Dude, I just don't want to even be here. I could use a pizza or I could use a taco right now, right?" Something like that. So, >> I agree there. And then sometimes expensive weddings logistically are just too much. There's just too much stuff going on. >> Yeah. >> There's the ceremony, there's cocktail hour, there's golden hour, and then you're taking all these photos, and then there's the dinner, the dancing, and there's probably even an afterparty, which is fine. I mean, maybe I'm just crapping on the wedding industry, but >> yeah, on that topic, let's talk about the engagement ring. Expensive engagement rings, overrated, underrated >> over. I also >> the diamond industry is a is a scam, the whole thing. And you know, it's uh Debeer's uh >> as a marketing campaign. >> It was a whole marketing campaign of the three month salary. >> They said, "How could we sell more diamonds?" >> Oh, why don't we just tell men that they should spend three months of their salary? And somehow that became the norm, which is insane. And diamonds, the fact that you could replicate them now in a lab, >> they're just carbon. >> Exactly. It it completely messed with the value of the diamond market, which has been going down. It's in a freef fall, and the diamond industry is trying to get it back on track to bring But personally, I think there's so many other gemstones out there, like Macy's uh ring is opal. >> Yeah. >> And they're not like terribly expensive, but they're gorgeous. Now, they are a little more delicate. Mhm. >> But it's Opal. >> Okay. All right. We only got two more. >> Yeah. >> First one, fun money budget. You want to budget for fun things. >> Underrated. >> Yeah, I also say underrated. Tell me about your fun money budget you've had recently. >> Um, yeah. So, I'm terrible at spending money. I can't do it. I feel tremendous guilt every time I spend money on something I don't need. And so, a lot of times I'll think to myself, do I need this thing even though I want it? Do I need it? No. I just don't buy it. But that leads to me not buying anything ever. So I made a challenge to myself to say, I'm going to put some money aside. I'm gonna find a way to spend it in a month guilt-free. >> And I did. And it was not easy. Um, but I look back at it and sometimes I'm thinking I could have gone without some some of those things. But then other things I think, you know, that was a good use. Um, >> like experiences, right? Like >> Yeah. Well, a lot of it was really just better uh plane tickets. >> Oh, nice. like upgrading the plane tickets and upgrading some of the travel. Um, that was that was great. That was great. But but still afterwards I'm like, would I rather have just had the money instead? I'm like, maybe I would have rather just have had the money. So, but but it's it's helped me get over the uh that anxiety of spending money. But I don't know how many other people feel the same way as I do. Like they have a problem. >> Probably a lot of my audience does actually. Okay, so that's good. >> Last one. It'll be a fun one. Okay. collectibles like Pokemon cards or gold coins or art. Overrated, underrated? >> I think it's underrated. >> What do you mean? You're going to say it's overrated. Oh god, >> it depends. If you're say If you're saying Pokemon, I'm going to say overrated. If you're going to say collectibles and certain things, >> underrated on collectibles. >> Yeah. >> But Pokemon cards, I also agree. Right now, very overheated. Yeah. >> And you know, collect's tomorrow, actually. So, as we're going to as we're going to that but uh I will say collectibles are underrated. I've been picking up some collectibles myself. Gold coins mostly. >> I wouldn't call that. That's not a collectible. That's a precious metal. That is a commodity. >> The ones that I'm buying are like the collector's coins. So, they're not really just the bullion. >> We're talking about like the 1920s >> like the 1926 Saint. Yeah. And you know, I got a couple other ones that I'm going to show you. But yeah, some of those have like a collectible premium on top. >> Yeah. I've gone on a collectible binge lately. It's really bad. That's part of the part of the budget that I told myself I wasn't going to spend it. I bought the entire 1962 Mars Attacks complete set. >> All 55 cards. >> Um I don't know. >> I just think they're so cool for what they are and they've >> gone up in value maybe like 0 to 2% a year. >> Yeah. >> Um I think they're really underappreciated. I was talking to Gary King Pokemon about this. He said that >> not a lot of people today grew up with those Mars Attacks cards. I certainly didn't in 1962. I wasn't even born. They were close. I loved the movie. The movie was based on the trading cards. >> And those trading cards were only in 1962. They came out. Parents were infuriated about the graphics on these cards because it was so violent that the parents got the cards basically shut down and so they stopped making them. >> Oh, so they're limited. >> Yeah. It was only the one year and so they stopped making his cards. >> So how many of those exist that you have the set? >> Full sets uh probably in the hundreds that still exist in the world. It's like a full set a decent condition. So I got them framed and then I started buying Nightmare Before Christmas >> concept art and story boards >> and original artwork from Tim Burton. So earlier today I took a break from the podcast to bid on items on Heritage Auctions and I won three items. >> Congratulations. I won the original story boards from James and the Giant Peach. >> Oh, yeah. Yeah, that's cool. >> And then I won two Tim three actually Tim Burton original sketches. >> Cool. >> And then I already own like 12 Nightmare Before Christmas >> Yep. >> pieces. >> That's awesome. >> So I love that. >> What percentage of your portfolio of anybody's portfolio should collectibles be? >> Under 3%. I I think would even be I would tend to think somewhat on the aggressive side unless you're like that's your h I I think I think >> if you could take 3% to maybe 10% if if it's a if it's your strong hobby like some people they like to go to the bar some people it's sports if your thing is I like collecting 1962 Mars Attacks cards fine or like certain artwork or certain things like this I think it's like I see people with Lego collections that are like very expensive and that's probably worth more than 10. But if that's your thing and you're not like doing drugs or like you know just being being you know just crazy then I think you know that's a harmless hobby. How about this? If you agree or disagree by the way with anything that we've been talking about let us know in the comments section. I will be in the comments perusing and I'll probably be responding to some of you guys. So, if there's something I've said in here or that Humphrey said that you said that is wrong or you just want to flame me for something, uh, please let us know down below in the comment section. And subscribe to Humphrey. >> Subscribe to Graham, guys. Huge thank you. >> Flew all the way to Vegas to to make this work. And so, that deserves at least a like and subscribe. >> And I made these paddles, which I now have to give to Graham. So, >> no, you should you should give you should give these away to a comment >> to a comment. Okay. >> Cuz you know what? What we should do? >> Unlucky commenter. We will give these away to you. We'll both sign them. We'll both sign them. Um, give give both away. Okay. >> Unless Unless Jack says these are really good paddles and he wants them. >> I'm not sure. We'll we'll we'll figure it out. >> No, let's give them away. All right, guys. We are going to be giving away both of these paddles. Graham and I are going to sign them. So, all you have to do to win one or to be entered in the giveaway is to drop a comment and if you're selected, I will comment back and tell you to email me. All right. >> Perfect. >> Bye, guys. See you.