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Clips from podcasts, interviews, business leaders, creators and industry experts etc.

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FT: @sircalebhammer

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Caleb Hammer reacts as guest says their parents chose "extremism" over their own child, but the conversation quickly turns into a debate over what "extremism" actually means.

Guest: "Their decisions have made our relationship what it is today."

Caleb Hammer: "What did they choose?"

Guest: "They chose extremism over their child."

Caleb Hammer: "What kind of extremism?"

Guest: "They're not very inclusive of minorities. They might say they are, but their actions say otherwise."

Caleb Hammer: "What actions are so extreme?"

Guest: "They're not helping minorities."

Caleb Hammer: "Not helping is extremism? What do they do that's actually extreme?"

Guest: "We'd have long conversations about politics, and the things they'd say... or refuse to say.. were pretty detrimental."

Caleb Hammer: "That doesn't sound like extremism."

Caleb Hammer: "Do you know what the word extremism means?"

Guest: "When Kamala Harris said the president wanted generals more like dictators, I asked my parents about it."

Guest: "They said they needed more context."

Guest: "I asked, 'In what context is that okay?'"

Caleb Hammer: "Maybe they wanted to know whether he was being serious or just speaking off the cuff."

Caleb Hammer: "If you follow politics, you know he says a lot of things that aren't meant literally."

Guest: "He also talked about threatening an entire population."

Caleb Hammer: "That would be extreme... if it actually happened."

Guest: "We did bomb a bridge."

Caleb Hammer: "A bridge. That happens in war."

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FT: @PNLPodcast_ @rasmr_eth @brezscales

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Brezscales explained why he believes building valuable skills is a better path than trading, arguing that trading mainly appeals to people who don't yet understand business.

Guest: Do you think trading is... by the way? Because I know..

"Trading sucks."

"I honestly thought for the longest time it was just a wash. I've seen people make money with it, so it's real, but I'm still very skeptical."

"I'm a big advocate for building some sort of skill set that's valuable to other people. The money will come with that."

"Sure, maybe you become a profitable trader in the next two years and make money day trading, but I think your time is much better spent building a skill you can turn into a cash-flowing business."

Host: What made you want to start trading? What were you doing before you were 15?

Guest: I mean... Fortnite. Video games. I was a normal kid.

"But bro, trading is just so appealing to anyone who doesn't understand business."

"It's like, 'Oh, I can put money in... and get more out.'"

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FT: @joerogan

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Joe Rogan said some people believe gangster rap was intentionally promoted to increase crime, fill prisons, and make it easier to justify stricter laws, calling it one of the wildest conspiracy theories he's heard.

Joe Rogan: People have long said that rap music... even though, listen, you know I love hip-hop. I know you just got back from Kanye West. I'm a huge hip-hop fan.

"We've got to talk about that at some point."

"I love hip-hop. But there are some people who believe that gangster rap, when it came about in the 1980s, was pushed by some faction of the government... some intelligence agencies."

"They believe it was meant to create more crime, fill more private prisons, erode the fabric of society, and justify more laws that claim to keep you safer."

"This is one of the most tinfoil of tinfoil hat conspiracies..."

"But people are pointing out that right now is one of the rare times where no rap music is on the charts."

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FT: @DaveRamsey @GeorgeKamel

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A parent worried that not giving their child the "best" school or lifestyle would hold them back. Dave Ramsey argued that success has far more to do with parenting than prestige.

Caller: "I just worry... what if my kid isn't set up for success?"

Dave Ramsey: "We're not trying to raise great kids. We're trying to raise kids who become great adults."

Dave Ramsey: "Is private school the secret to raising successful adults? No."

Dave Ramsey: "Is homeschooling the secret? No."

Dave Ramsey: "The secret is you and your husband being good parents and guiding them through whatever education they receive."

Dave Ramsey: "People think if their kids don't have this car, these clothes, or go to this school, they won't be successful."

Dave Ramsey: "Those aren't the predictors of success."

Dave Ramsey: "The real indicators are that they hear the word 'no,' they're grateful instead of entitled, they're kind, they have integrity, and they know how to do hard things."

Dave Ramsey: "A lot of people don't know how to do hard things anymore. If your kids can, they'll immediately stand out."

Dave Ramsey: "What college you attend has virtually no correlation with success, yet people pay enormous amounts of money believing it's the secret."

George Kamel: "For some parents, those schools become trophies. They're doing it for themselves, not their kids."

Dave Ramsey: "It's the same thing with travel sports. Sometimes it's really the parent's dream, not the child's."

Dave Ramsey: "Focus on the things that actually create success, and ignore the things people only use to look successful."

Dave Ramsey: "Buying a really nice car doesn't make you successful."

Dave Ramsey: "I bought a Jaguar when I was 23 because I wanted other people to look at me. I was a shallow little turd."

George Kamel: "Giving a 16 year old a Range Rover doesn't mean you gave them everything. You just created a very expensive disaster."

Dave Ramsey: "I see teenagers driving brand new luxury SUVs because their parents think they deserve it."

Dave Ramsey: "Then someone else buys their 16 year old a brand new BMW with a massive car payment just to flex."

Dave Ramsey: "That kid today doesn't have a chance. They're completely lost."

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@matt_gray_ Taking mastery of this can just be the game changer in ones life

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FT: @DaveRamsey @JadeWarshaw

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A 22 year old caller says a wealthy friend offered to pay off his $73,000 debt. Dave Ramsey explains why borrowing from a friend could cost far more than money.

Caller: "I have a friend who offered to pay off all my debt, and I'd pay him back."

Dave Ramsey: "Ooh."

Caller: "I don't know if I want to do it because I know money can ruin a relationship."

Dave Ramsey: "It's not really the money that ruins it. It's the change in the relationship."

Dave Ramsey: "You're 22. What kind of friend has $73,000?"

Caller: "He comes from generational wealth. His dad is very wealthy, so he has lots of money lying around."

Caller: "He offered to pay it off, but I'm not sure I should accept."

Dave Ramsey: "I would not do that."

Dave Ramsey: "You've become focused on attacking your debt, and you've been incredibly willing to sacrifice. That's impressive."

Caller: "It's not how I wanted to spend my life at 22."

Dave Ramsey: "But you also don't want to live under the thumb of a credit card. You're fighting your way out."

Dave Ramsey: "When you borrow money from someone, you change the relationship."

Dave Ramsey: "The borrower is slave to the lender. Even if they're a nice person, they become your master."

Dave Ramsey: "They'll start noticing how you spend your money. If you go on vacation, go to happy hour, or buy something, they'll think about it."

Jade Warshaw: "This is your friend, so he has front-row seats to how you live every day."

Dave Ramsey: "It's a generous offer, but more often than not, it ends in disaster."

Dave Ramsey: "I'd rather see you get another job, work another 30 hours a week, and keep attacking the debt yourself."

Dave Ramsey: "The secret isn't the interest rate."

Dave Ramsey: "The secret is that when you changed, everything changed. Before you changed, nothing changed."

Dave Ramsey: "Look in the mirror and remind yourself: You're the answer to the problem not borrowing money from a friend."

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@KevinSzabo14 Some suffering just makes you wanna give up in life. But I guess we should try to remain calm during hard times like you said.

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@marktilbury But does this mean It's wrong if I work towards being a millionaire at 21? 🤔

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@nodiens Bullish on Nodiens

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@thejustinwelsh The vibes offline just flows online too I guess

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@hurusDih 30 years to accumulate that amount seems like a lot to me 😲

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@KevinSzabo14 Oh why's that if I may ask

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@LewisHowes Comparison is the thief of joy

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A caller admits he went $10,000–$15,000 into credit card debt buying Pokémon cards, hoping to flip them for a profit. Dave Ramsey didn't hold back.

Caller: "A friend got me into buying Pokémon cards, and I think I took it a little too far."

Caller: "I racked up thousands of dollars in credit card debt to pay for Pokémon cards."

Dave Ramsey: "How many thousands?"

Caller: "Probably $10,000 to $15,000."

Dave Ramsey: "How much credit card debt do you have exactly?"

Caller: "I don't really pay attention to that."

Dave Ramsey: "Step one is identifying the problem. You're lost. You need to find the map that says, 'You are here.'"

Dave Ramsey: "Right now, you're $13,426 worth of stupid."

Dave Ramsey: "Did you ever actually make money flipping the cards?"

Caller: "No. I kind of just winged it because I saw other people's success stories."

Caller: "My logic was, 'I'll use the credit card because it's not my money.'"

Dave Ramsey: "Then it's your money after all. Who knew?"

Dave Ramsey: "What made you so desperate that you'd put over $10,000 on a credit card for Pokémon cards?"

Caller: "I was just chasing the American dream... trying to make the next dollar."

Dave Ramsey: "The American dream is going broke on a credit card?"

Caller: "Well... when you put it like that..."

Dave Ramsey: "What do you do for work?"

Caller: "I've been bouncing around jobs."

Dave Ramsey: "There it is."

Dave Ramsey: "Get a full-time job, then get another one. Pay off these credit cards."

Dave Ramsey: "Call your Pokémon friends and say, 'I was stupid. Help me sell these stupid cards and get out of this stupid mess.'"

Dave Ramsey: "When you leave dumb purchases sitting in your house, they shame you every time you walk by."

Dave Ramsey: "I had a car that kept telling me, 'Dave, you're stupid.' So I got rid of it."