 Good evening guys, so we are live here on the independent investor channel. It's nine o'clock Eastern standard time. We kick this off every single week to footstomp personal empowerment We try to coach you guys through what I find is the all-elusive Question that is posed to this evening. Do you have what it takes to become financially successful? Um, the answer on the onset is no and I don't mean that to be rude or judgmental I put myself in this category. I've been there many times and I'm still Looking to evolve as I would presume that each and every one of you guys are Are working toward that end All kinds of different methods and means to success, but I'll tell you what in a society That would just have you put yourself to sleep and fall in line like the rest of the hen view cows We look to fight that we really do the power of the individual is really what we're looking to To focus on and each and every one of you guys have Individual characteristics that can really make you that much better as an investor It can really Take those and we want to exploit those things and we want to put those to work in a way that Continually identifies what works in wealth building because what I find all too often is that people are the worst enemy And what they need to do is get out of their own damn way They need to get out of their own head They need to try to really question what it is that they've learned in their Their upbringing and it's okay. It's okay guys to get to a point where we start to question What it is that you value what it is that you're trying to do with your life with strategic objectives are You know and we get consumed sometimes by all of the different categories of life and and collectively It can start to get us down a little bit and the inundation through constant media outlets social media Really just become consuming And they can get us really off track And the majority of our time needs to be set on identifying what it is is is our own personal recipe to success Now we talk about things all the time on the channel and and I blow down barriers. I I work really really hard to try to Differentiate those attributes that will render success in this life no matter who you are Okay, and success is It's it's different than what you would expect me to say and it's certainly different than what society would expect you to understand Success is all right. Does it mean getting so far in debt that you're drowning your entire life only to showcase What it is that you have parked in the driveway constantly For your neighbors to enjoy all the time god bank frank and emily they sure have a great great A bit of property in their driveway. That's just fantastic and you can sleep easy Right knowing that you have those prized possessions parked on the concrete in front of your house, right? society would have you believe that that is the level of success that we're looking for and I'm here to challenge that You need to be happy on a lot of different aspects to actually appreciate or enjoy those things You want a car have a car? I don't care. You want to have nice things in your driveway. Don't get me wrong. That's fine But the idea of looking internally, okay first Getting yourself straight And and and and not worrying about frank and surely all the time across the street. They don't worry about you They don't care right You can be the best proponent of your own program And if you just pull your head out of your backside for two seconds You'll probably understand like I did a long time ago that i'm not perfect I'm not far freaking from it And i've come to terms with the fact that i'll die someday Imperfect and i'm okay with that Some people are like god dang it's tuned in here for five minutes. This guy's waking my ass up That's fantastic. All right. I am not part of the woke generation As a matter of fact the self-imposed woke generation nowadays Are the most asleep that i've ever seen They it seems as if value meant of hard work is somehow scoffed at In that if you're not pursuing riches to all end No matter about your spiritual health. That's all good just shelf that the later. It's all good Fantastic as long as you're pursuing that wealth Step on as many people as you possibly can to get to that end. No problem, right cut corners. It's no problem No value in hard work. It's all good. Just do whatever you need to do. Okay. Yep We don't want to sleep at all. Okay It's it's amazing to me what I feel like this society is driving to and it's no wonder We don't have any patience for anything anymore. There's no wonder. It's no wonder that people are so pissed off nowadays I'm I'm fine. I'm not I'm not You ever go to the grocery store now you ever see those fights now I see it all the time out in public man. People are god dang angry All right, I did a rolling stop on a stop sign coming into my little facility here where I live, right And a lady who was walking on the road all I could see was her mouth and jaw because she was so upset at me for Not coming to a full stop on a stop sign that had no earthly business about being there But it just spoke to a grandeur pissed off in this that the world somehow is Is subject to and I don't quite understand that Is it something that you have? Um, uh, have we evolved to this place where we just want to be upset our entire life We want to be discontent We want to be angry with our brothers and sisters. Is that what we want to do? Hell. I'm fine My project is all about helping people. It's all about helping people and trust me guys The title of this video would suggest that people need help and they do they sure do they really do man It's whatever capacity or whatever degree of help that's rendered is for you to identify with and say, you know what? You know Ryan's right. It's not just about the money piece. It's about me getting my head, right? You know, it's about identifying what it is that's going to work for me, you know What what is it that I enjoy about my work? What is it about my? Employment and my income that can provide that little bit of surplus to something different What is it that I don't understand? About my current program that can help me layer up And if you are out there and you're watching my message and you're like, I'm I'm good, man I don't need this guy to tell me I'm talking directly to you too. All right Nobody's exempt from this necessity to continually self evaluate where they are and where potentially they need to be You know my hero and I'm borrowing this from Matthew McConaughey It was one of the coolest things he said in an acceptance speech that he was asked Who do you who do you value in this life? He says me five years from now And when I reach that me five years from now It will never be achievable because my hero will always be five years removed of who I am at this current juncture Beautiful absolutely beautiful if you can take on this philosophy And understand that the me now and the me down the line is going to be significantly different than the me now You're stepping into a a potential for Identifying that there's room for improvement, baby. There's room for improvement then it doesn't mean you have to be rude It's all good. I'm not I'm not asking you to be self deprecating. I'm not most people are self deprecating on all the wrong stuff I can't invest bullshit. You can invest. It's no problem It's not that difficult to segue and and and unmind f yourself Okay, trust me if I could unhinge my brain and give you the guts from inside my brain I would do it. I try to do that every single week on the friday live stream to give you the guts and the goods Here you go. Here's the guts and the goods to help you understand that I can't invest in the stock market. It's too risky Really? What's your alternative program then? I'm listening Provide me some insight and that way perhaps maybe I can do away with The monitoring and the ups and downs of the volatility in the stock market and CNBC says that we're going into a recession And meet Kevin says that I need to sell my entire portfolio And I've been subscribed to him for 2.2 years and therefore what Kevin says is what I do I think Kevin's a good dude But I'll be damned if people are going to tune into something and just be wishy washy about oh my goodness This youtuber who's got however many millions of subscribers says to do this and I should jump and do that Come on, man. You need to be tougher than that. All right Nobody tells me what to do. You want a page out of my playbook? Go ahead. I'm no pussy. Trust me. I'm no pushover No, no, no If you want to take a little page out of my playbook do that we need to toughen up a little bit We need to toughen up collectively as a society We need to be so so tough and that we understand who we are and what we are So every time we walk out the front door. We're not so irritated at our fellow man At our fellow brethren out there, you know, our sisters and brothers out there who are struggling to make it as well Okay, who are you? Let it go Okay, perhaps maybe the reason that you're being so pissed off at everybody else is because you're pissed off at you Mm-hmm. Yeah And I don't discriminate man. It doesn't matter who you are. You can figure it out Even the biggest assholes out there, man. You can figure it out. All right You sure can it just takes a little self evaluation and I throw that comment out there No, well full well knowing that the assholes will probably never change. They'll never change their their assholes red for life, baby And perhaps maybe I would wish upon them all the success in changing But perhaps maybe the influences perhaps maybe the upbringing perhaps maybe all of the false You know false hoods that they buy into About the white picket fence and getting that college education that they've bought into their entire life and maybe part of that Buying into that perfect route to freedom Just didn't quite work out as well as they thought that they should and I'll be god They're mad, but they're not mad at themselves. They're mad at the society that didn't provide them All of that instruction and tutelage. I'm here to tell you man that nobody owes you squat Nobody owes you squat except for you. You might not have riches You might not ever get those millions of dollars. You might not be able to park that jaguar in the freaking, uh, the driveway Things that society and people just say that you've got to have it all stops man. I find it funny actually Like I like looking at the jaguar parked in the parking lot at the grocery store But I'm always wondering what motivates somebody to buy that thing How much income do people think they have to have to take on those amenities? You know me and my wife collectively make 62 000 between the two of us So we've got a 650 thousand dollar house and a 65 000 a 75 000 dollar Vehicle um, you can't afford it, you know It's like you take off the taxes, right take off the expenses and the sunken cost and bam You're automatically down to 43 500 You talk about saving for college for your kids. I don't I don't care about my kids It's no big deal man I'm not going to say for them my god because I got to support all of my habits that are sitting out in the driveway, right You start to whittle that stuff down and people People who appear to have all the riches in the world are in reality In debt they're in debt over their head They're in debt over their head because they could not buy into that very very simple philosophy of taking two steps back And saying what what is it truly that's going to make me happy and I question sometimes what people truly get out of Possession I really do I think I would have buyers or more if I pulled the trigger on an 80 000 dollar jaguar especially at this point I have aspirations. I've talked about it, you know to Aspire it's the dreams that keep keep me alive. Okay, here's the thing It's not such a dream that I'm willing to Sacrifice all of my happiness to achieve in other words if I don't achieve Some of those things that I aspire to or dream about I'll be okay with that. I'm okay because I'm happy now I know I'll be happy then in other words when I go and I maybe purchase this car that I talk about that I would like I'll do it at a time where I feel like it'll it'll probably be, you know, okay for me to do so But I just saw a tweet come through and it was it was talking about how people who have a million dollars Would suggest that it's a lot of money And I thought that's a pretty shallow tweet. It really is because My perspective is look your level of success will be deemed Your ability to and I've explained this on the channel and if you're one of the 50 people in here that are making your way in You'll really want to listen to this if your level of success and you were predestined to build up enough wealth into your retirement to Live a stable life support yourself. Maybe leave a legacy for the kids. Whatever it is All right support yourself without being a detriment to somebody else, etc, etc if the nature of by Your free will and course of actions through your life render x amount later on in life When if you didn't have certain counsel or coaching or mentorship or learn about wealth building Or financial stewardship that you would have rendered x number of dollars less than what you did with the education and tutelage Now it's the difference between those two factors that define your level of success in this life, baby It's just that simple, right? So if your number is a million dollars But through your nature and and education and and and sheer drive Could have reached three or four or five or ten million dollars. I wouldn't consider you successful I'm sorry to break your bubble. I I don't I don't put people in a box like that. I don't I I think there's people that In other countries that You give them the sheer opportunity here with their raw determination They'll blow some of these lazy americans out of the water. Why because they just don't have the opportunity to get ahead Like we do And all too often I feel like the opportunity some sometimes is dismissed. I do I think you know, this is something that Dave Ramsey touches on You don't have any excuses you don't The calculations that we provide to the greater independent investor audience man an understanding compounding Interest over time and and understanding your opportunity here if you can just Let it go a little bit. Okay. Stop being a know-it-all Sit back for a second and listen Listen to what I'm trying to challenge in the status quo All right, look if there were people out there that were from that financially successful one over because they follow along that mathematical certainty of financial wealth if you do segue x number of surplus capital into your future You'll be financially successful. But that's not that's not a wishy washy game. That's not hey tune into ryan He's got all the secrets in the world. Hell, it's the most obvious thing in investing And so many people out there want to ignore that very simple fact And if we need to come in once every week and we need to talk about it. We need to revolve around the topic it's for the sheer reality that People don't spend enough time and attention on this topic. They don't Talking about Investings is just not not good. You can't do it. It's one of those topics that are insensitive They're not politically correct to talk about you can't share your portfolio over social media You can't do that. Aren't you afraid of what people are gonna think about you ryan? I don't care and I stopped caring a long long time what people think about me Except for me That's it. That's the inherent lesson. I want to welcome everybody to the message here This is the fastest 60 minutes on youtube guys Go get a drink a cocktail glad to have you guys couldn't be the message without you and we'll be back in 30 short seconds Oh She speaks the truth does she not She's been with the message and she is a vip community member and I was just talking to the shaded light the back Stage here before the live stream and I wouldn't trade nothing. I wouldn't trade nothing, man The sooner you can come to the reality that the life In all of its beauty when you're young and stupid and I guess maybe when you're old and wise, I don't know I I Just declared to you guys that I can check out full well knowing that I'll never know at all And that's totally fine with me It's the pursuance of that end that is is really what I'm what I'm after The ability to stretch the limits of potential The ability to to reach a potential again that may be just right there at the high end Of your potential range and I would only ask that of you guys as well I Have people all the time that pulls in with the channel talking about their their personal best and hey ryan I don't think I would have got to that 10 000 people hit me up all the time, man And uh, you know the the independent investor channel. It's got 28 000 subscribers It could have 2800 it could have 20 280 I wouldn't care if that's not where the benefit is if I had the ability through social media to change one life one One to empower one investor at a time. I said that from video one 856 videos ago to to empower one investor man to come in and be like I wouldn't have made it to 10 000 Ryan you shared your story about how difficult it is to make that and I said, you know what? I'm gonna put myself on a personal path to that end and by god. I did it And there's no way I would have done it no way Because you said there was no way I could do it and I'm right. I'm right Most people cannot achieve that threshold. They cannot they cannot picture themselves with 10 000 of wealth Most people sneak it into their life Through a 401k and then they look at it one day and they're like, oh god They've got they've got 32 000 dollars in there. God dang. That's pretty awesome, man. I I did it ryan I'm an investor now. I got that 10 000 and that means um, you know good for you. You go You know if you can acknowledge how important it was to get there and the very pedigree and the Philosophy of deploying never looking at it and building wealth There's an inherent lesson there to be had sometimes we pay a little too much attention But anyway, do you have what it takes to invest? I think a lot of people man They give money too much credit. They do I've talked about this on the channel and I don't mean to get so philosophical with you guys But I really think people expect way too much about money. They really do. Is it going to give you a back massage? Um, is it going to give you sexual pleasure? I mean really it's god. It's paper fellow It's paper guys and when you when you buy things you get that quick shot of enjoyment Whether or not we buy clothes whether or not I have life deduced so far That I don't even have any enjoyment whatsoever in in buying things anymore If I can't get my dream, which is to build a home. I would like to buy some property I would get some real enjoyment out of that because it has been something that I pursued For years, but there are certain things that I spend money on every week gas Zero emotion zero clothing anymore. Really. I don't get a lot of enjoyment out of buying clothing That's why if you guys notice sometimes people are maybe wondering, you know, hey Ryan Maybe maybe I should send you a little donation here, man. You wear the same shirt every Friday I do that for a reason. I do that to fight the man I do that to challenge what people think and what what image good thing that there's no way that you could see this guy You can't be seen twice in in society wearing the same thing I'm good. I'm totally good. It covers my tits. I'm totally fine. All right I'm completely comfortable in my own skin Coming on to my live stream a social media audience that I'll get thousands of people watching me. I guess My opportunity to be a superstar From my own corner of social media and talk to people and give them a philosophy that is Contrary to public belief and public opinion I I Challenge the idea that perhaps maybe you can't get ideas from me because I don't wear suit and tie. Yes. No Ah, just trying to make you think about stuff, man It only matters about the action The independent investor channel a lot of people tune in and they catch it like a podcast and that's fine You're missing all my antics and karate chopping and all that cool stuff, but It's a lot of blah blah blah. It really is If it doesn't render action On the part of the participant and the consumer of the message then I'll quit I would consider this to be a damn failure. I really would if I if i'm not making an impact I will walk away and there will be no love loss none none because it will be the very nature of giving away All of what I do with my tough armor to come on to social media and incur that bullshit To hang out with you awesome freaking people and you guys are freaking awesome You're freaking awesome not because I know you personally But because I get to know you based on the comments that come through the channel And the very fact that perhaps maybe there's a little bit of spark of understanding of hey You know, I found that to be somewhat intriguing. I found that to be a little bit probing I found that to be a little bit thought provoking right last week I'm going to come back and see what this guy has to say To me this week and I find myself coming back to the to the message because I find myself actually Looking to challenge what it is that I know about my thought Right. Um, you know ryan mentioned what what does he mean by we give money too much credit? It's because we think by the pursuance of money and by achieving that money by spending it We're somehow going to be happier Or somehow it's going to render itself beneficial in categories That are Unrelated right by nature of spending money. I'm going to be happy the car and the driveway. Okay, we do it all the time We're a bunch of spending assholes We are we spend way too much because we think that somehow it's going to render Things that we give it credit to be able to render when in all reality You're just spending you're just spending and in a lot of cases We're spending irresponsibly and we're spending frivolously. All right I think a lot of people suffer from Not having command over their money Not having command over their money and From day to day people need to be more willing to to make small changes in their life But man, I really respect those people out there that are willing to say, you know what? I'm staring down a big catalyst in my life And I really want to make this change. I've seen it with finances. This is a financial channel. Okay I've seen it with individuals who are like, I know I need to invest But I just don't know how to invest and they make that leap of faith into investing. It's one of the coolest things ever, man It's one of the coolest things ever Unfortunately and I know people in the community and and they're probably feeling like I'm talking to them right now If they get into investing and boom the stock market goes down and we're down 20 and it's like This is great. Why why did I do this them now? Now? I don't like this independent fella He was really really excited about wealth building. This is more like wealth losing. This is terrible. All right I'm not going to tune into this guy next week. I'm going to boycott this guy I'm going to hit the unsubscribe button and I'm going to do it with some force, right Those are the big catalysts that I tip my hat to people who are willing to go through those catalysts and financials one of them You know dietary changes exercise I you know, I'm happy to report to the audience. I was in the gym all five days this week I get up at 4 45 to hit the gym and It's amazing to me how These unrelated categories to to money Okay, allow me to really really command my program and and that brings me back to my insistence that people need to take more command over their program And building a portfolio and and taking on the opportunity to To to seek out participation in financial markets and gives you that opportunity to be that that captain or that That commander over your own Your own program your own finances, and I'm not saying it's going to be perfect I'm not but it's a step in the right direction To start to say, you know what Ryan's right man. I need I need to take control over this Instead of always being reactive. I have a bill. I have an unexpected expenditure. I have this I have that Oh my goodness. Whoa is me this sucks Somebody owes me because all of this stuff is just pouring on me groceries are terrible gas is terrible House payment is terrible car payment is terrible Insurance is terrible. Everything is terrible. This sucks. Life is terrible and this is oh my god. So terrible No, you're freaking fine. Okay Take it from an outsider's perspective, baby. You're doing all right You're doing all right. You just need to figure it out and get a little bit of perspective on this deal All right, take command over your money. I don't feel like people have This ability and and I think that it is one of those things that you can pursue and never get perfect But but certainly spend a little bit of attention paying attention to that end. All right A lot of people have a hard time imagining that money has the ability to make more money Yeah, I get it. I get the scrutiny I get for my day job It's it's so funny because I do my job because I love it The very fact that they pay me to do my job is just a byproduct. It's a means to an end It's lovely all the stuff. I can count the ways Of all the cool things that I get for working my particular job benefits benefits to move To insurance medical up and down, baby paid vacation You know, it's just absolutely insane the laundry list of the cool things I get in way of Compensation, but people think that somehow because I do that and I trade my time for that said compensation But that's the sole motivator. It's the complete opposite Let me give you a little bit of knowledge there woke generation. I love my job I love getting up and gives me meaning it gives me the opportunity to learn and evolve in my craft And I could segue it into another more lucrative career if if you think that somehow I need to I don't know make more money To somehow satisfy your expectation of me But like I just declared to you at the top of the live stream I don't give two shits what you think of me. I don't care And I would expect you guys to not care about what other people think either man be independent with application You're all a bunch of studs. You're all a bunch of freaking empowered studs You all have a bunch of freaking fire. All right, you all have instincts use them. All right If somebody wants to criticize Let them criticize. All right. Let them criticize. They don't know you All right, you don't owe them anything The only person you owe is yourself. All right And it's amazing to me 17 years I've been on my my profession man and even before when I was on a profession that I really did have An issue with getting motivated too because it was a hard hard job It was a hard life It was really really tough that I actually made it through that I have people come to me and they're like Ryan I couldn't have done what you did and I'm like, yeah, dang. I wouldn't have wanted to do it again So I don't wish that upon anybody But it's probably molded me to who I am Right to share with you guys and in part that you know I wanted this thing so bad that I was willing to go to the nth degree to get it man Yeah, yeah, yeah, I sure was I joked when I was done working on the boats. I was like, you know, I proved that you can't die of sleep deprivation You can't You ever been so tired you hallucinate? I have yeah, I have you ever been in a situation where the only thing that you want to do is sleep and you can't Yeah, yeah, when you have five people below you that depend on you to bring it back safely Yeah, you do what needs to get done And I don't think a lot of people have pushed themselves to that level of the extreme, but it sure has taught me a lot about motivation about the acuteness of time in certain Scenarios in your life that are yes intense. They really are man They define who it is that you are and the satisfaction that you get when you are staring those hallucinations in the mirror and you're punching yourself in the face to stay awake and you're like damn I'm really proud of myself. I I did it. There's a lot of people that succumb to that That that that level of of intense You know rigor And they they failed to get there, but I wouldn't be who I was without it but The very fact that I had the ability to put $100 into a name and have that $100 render a dividend back to me I I've got the products pushing through the channel right now where I push out my dividend portfolio and I do it pretty Pretty often, okay The idea there is that I get paid almost every single day 400 dividends per year some of them are monthly paid, but stay with me I get emails every single day that riveted Render a little bit of a dividend Just this week I got five or six emails with a few bucks of dividends in each one. One of them was like 16 bucks I can look back in my life when I was 12 years old I used to make five dollars picking weeds at a landscape depot It was under the table I thought it being under the table was the coolest thing ever because given a dollar of my money to To the government out of taxes for being 12 years old and just wanting to go to work and earn a little bit of money That was pretty badass Now the fact that I can put money to work to make money for me while I'm not doing anything for that money Is fascinating for me and the if I can impart to you guys most people need to Not only understand that about money But grab it like your life effing depends on it Grab it like your life effing depends on it. I'll tell you why Most people look to avoid risk. They are risk averse, okay The stock market is like gambling you ever hear that right the stock market is like gambling and again I challenge those people out there that are like Don't invest in the stock market. No shit. What do you do? Tell me what you do? Tell me what you do. Tell me where you're gonna be in 20 years. Can you tell me that? Yeah, you should watch more of my shit. I'll teach you Okay Because the sheer fact of the matter is that you should be scared More of not investing than actually taking a shot on this deal and investing Okay your insistence On avoiding this topic altogether is setting yourself up later on in life for so much more regret It really is and you're taking on more risk And it's right in front of your face and you can't see it It's scary for people man You guys wonder perhaps maybe where I get my motivation to come on every single Friday I see that in people all the time. They're so so naive about what they think they know And they just need to wake up. They truly do need to fit the bill the generation Okay, stop worrying about what everybody else feels stop worrying about racism in the world Stop worrying about that. Worry about yourself. Okay, you're not going to change everybody else. It's okay People don't care about your ability to change. All right. If we can't change within ourself anyway, what's the freaking point? What is the point? Figure it out yourself. All right super super important What is your definition of risk is buying johnson and johnson really that risky Matt's going to be like, I don't know right. It's talking about j and j I don't know if it's a good entry, but you know, we've got people that can deliberate around this topic And and challenge those things about whether or not proctor and gamble on this run-up is a good entry point I I would contend that every value stock out there at any one given time is probably priced within 10 up or down of their true intrinsic value Right for the most part in value investing 3 m right now being down, you know, bowing is up bowing's up huge Nobody talks about it. God dang it. I don't know. I think this is the best and bowing I don't know. It's it's a freaking phenomenal investment. No matter what I saw it two years ago Go all the way down to 89 dollars a share and I know Now it's run up. Nobody's talked about it. What is risky? Is that risky? I don't know people think they've got it figured out I I look to share my perspective with you because i'll be damn If i'm not going to enter into later on in life and look back over my life and say at least I fought At least I fought at least I challenged what it is that People were trying to define for me. Enjoy it now. Why don't you just enjoy your money while you're young? I've had people tell me that okay, why don't you tell me what I should do with my money? Should I buy a boat with like you when was the last time you had that boat out? Yeah, we haven't had it out for three years But it sure is nice to have and take the family out, you know every now and then really Okay, you're talking about a guy who used to work on a boat I know enough about boats to know that I don't want to own a boat Okay, but if you'd like to think that maybe you are in a position to preach to me go ahead fine It's no problem preach away. Okay, maybe you're preaching to me speaks to your own Uh lack of assurance to yourself that you're doing the right thing. Don't worry about me I'd sure as hell. Don't worry about you. I don't okay I don't have that kind of strength. I don't I don't I only have enough strength to worry about me and the three other people in my family that I am Charged in my blood with taking care of okay, very very important. All right um I think a lot of people fail to achieve a better potential in life or you know Just really challenge what it is. They think they know and I think to strengthen every aspect of your life is super Important. I'm going to start to talk about things Through my channel that are going to really help you. I talk about those attributes like food water health care fuel transportation profession health and well-being spiritual Health and well-being and each one of those categories all play into each other. They really do they all complement each other okay And they can all really lend itself even though they're indirectly related to investing They can make you a better investor really how does uh drinking uh clean purified water make you a better investor Well, I mean there's studies now that are being investigated for water purity down in a camp lejeune in north carolina In becky's backyard They're looking at things like that. So if you look at a category as simple as Food and water How is it that you can strengthen those categories to do the very best that you can to put that effort into those categories? and make those categories Emboldened right and if you if you are constantly doing that you go grocery shopping every single week How is it that I can maybe purchase groceries that are Healthier for me lower sodium intake drink more water in my life Things like that supplement the diet with diet and exercise if I want to treat myself to I mean today I came home. I was so hot from being on the boat all day Um, I poured a sprite over ice and I treated myself to a can of sprite. All right Don't don't don't don't shoot the messenger. All right. It tasted really really good. All right I was about to pass out. I was so hot, but I was a well-earned sprite. All right, but anyway guys Let's get to the gallery man I hate to go on a rant like that and just ignore the gallery altogether But before we do and spend the last few minutes of the live stream getting to questions and comments and some Acknowledgements and shot outs and the kit and caboodle here. Um, we'll talk about some portfolio reviews That will be awesome We were up again week over week. The week was fantastic Up significantly all for just uh adhering to a program adhering to a program This is not to come on and talk about What I think a lot of people would perceive to be a lot of money These are render renderings of a well laid plan. That's all this is it's all this is reflective of and if you listened to my perspective about money Okay, you should not come into my message and say man, I wish I could have that You should rather take an approach to say what did Ryan do to get here? How many years does he have? As far as a head start and what can I do to start to deploy a program for myself in doing that? Those are the appropriate questions. You need to be getting from the message But um, we are up week over week. This is up about a thousand bucks. Nothing too crazy in here But tech outperforms nasdaq's up 20 percent. I think from the lows the s&p is up 15 percent from the lows um, I was a staunch advocate for holding truth through the dip and I I'm not one to come on and say I told you so I think that's uh pretty pretty rude and arrogant But when it comes to investing There's a right way in times of volatility and there is a lot of wrong ways out there And dare I suggest potentially that what I was foot stomping through the volatility ended up turning out to be right Yep, and it did it sure did. Yep. There's Roth IRA number one Healthy up above that six-figure mark this this dipped all the way down to about 80 grand I think dipped below 80 grand something like that. So it's charged back a $25,000 bill Uh, and and again, you know holistically I shared with you my perspective about your money doing What it is that it needs to do on its own What did I do to to to make that money? I put that money in a position to perform in that capacity You might say ryan know the last couple months has been terrible. What has changed From a month two months ago six months ago damn a year ago to now. What has changed? You tell me I'll be the student you tell me What over the last year was really worth stressing about what was it? What i'm going to declare to you in my thrift savings plan, which is my military 401k for all you guys that have equivalencies In such a thing. I'm up five percent. I'm up What was worth buying into in way of propaganda in this world that again is trying to transform you into cows What was worth buying into? what Don't subscribe to my message. I don't care. I want people in here that actually take my message deploy it and actually make real wealth There it is Okay, I want The message to be delivered in a way that you understand that i'm Very very real very real. Okay I don't need to come on and yell at you and and give you the same spiel every time I come on My spiel doesn't have to be canned Ryan. You should have a tag line. What the hell is the tag line? I don't know empower one investor at a time. That's my tag line. It's very powerful, but I mean it I'm not I'm not trying to tell you that you know You're you need to be an investing or buy my book. It's you know investing for dummies I I don't think people are dumb. I don't I I think for the most part people are their own worst enemy with regard to what they think they know That doesn't make them dumb It doesn't make them capable of saving a life if they were put into that situation It doesn't mean that they're incapable of doing spectacular things Matter of fact, I'll flip that philosophy on its ear all the people who we put on a pedestal and think are somehow All stars are probably the worst people that they would want with you or you would want with with them Um in the trenches when shit hit the fan. Those are the people that you don't want with you Mm-hmm. Yeah. Yeah, you want killers like me? Mm-hmm. Trust me. I'll have your back Yeah I'm used to being in the trenches. No problem. It's all good. I'll fight. I'm a fighter. I'll whip that ass no problem No, I'll whip that ass no problem. I'll be calm doing it No problem. All right This is whipping that ass and I share that I challenge the idea that you can't do this Um, I was one of the first ones to start doing this man and um, it was like Hey, I'm not doing that. So yeah, we need to do that to be this is it's it's bright. It's not it's it's showing that Barriers can be overcome. They can be dissolved the way with regard to what people Think is potentially achievable in wealth building That's what I'm doing and I paint that picture very very often. Okay. Mommy and daddy didn't get this to me All right. This is my shit. This is me. Okay. I did this Okay, if I lose it all it'll be my fault. I'll come onto youtube and say I lost it all Hey, I you know, but I started this with $1,500 16 short years ago. I repeat $1,500 And I was not getting that either. I sold my vehicle Okay, I sold my car started this account with $1,500 and it's built up into 105 952 Big whoop-de-doo that rhymed that was funny 105 952 that rhymed whoop-de-doo You know who cares who cares the idea is the ability to build wealth over a certain amount of time Could we do better? Yeah, we could do better. I teach you how to do better So buy the s and p 500. Have a coke and a smile. You good Mm-hmm. Here's the other Roth This is where the other $1,500 went to not quite as good as my wife's but it's all right I like the keepers above mine. It keeps me in the good graces of the missus What's your portfolio doing up above mine? That's all good. That's all good I'll just be a little more aggressive in mine and buy Ali Baba and take a 50 percent haircut on the name No big deal. I'm here to fight another day. It's all good. I'm here to fight another day This is Roth IRA number two In here These ETF portfolios. This is badass. This is up week over week A thousand bucks a thousand dollars in a week. Are you kidding me with a $23,000 portfolio? These this is one that I chronicle on the channel all the time It's something that I don't see from other channels at all And I know there's I've seen some remnants of some channels that obviously came by my channel and they're like that I can do it better. Good. God damn it. Do it better. No problem. Go whip that ass. I don't care Uh, you won't be me. You won't you can take all the topics that I'm giving you all the ideas for And not charging you as a consultant. All right to to to bastardize and rip my stuff off I know I don't copy anybody on youtube. Why because I don't watch anybody else on youtube This is my thing. Okay, if you want to get the independent investor channel's message You've got to hear it from me I'm your tater. That's how it works, man. You got to get it from me. This is up a thousand dollars passive investor I don't do squat do this I don't even know I don't think I have the funding turned on I think with this run up I went ahead and secured the funding mad. I was doing 100 bucks or so every two weeks. I think in this hundred and a quarter So I bought really heavy during the downturn and that's what these portfolios allow you to do So I turned this picket off. We'll see what happens. Everybody's talking about this being a dead cat bounce I don't know. I don't who cares. Who cares if it's a dead cat bounce Nobody said that this was the bottom when the dow dipped below 30 000 Nobody said that. Hey now might be a time. I don't know to invest I don't know I was I was sharing it with you guys. I know you guys were and you benefited for it. It's all good This is the dividend portfolio. This is the one thing that I sit back and this just tickles my fancy Really does when it pays these dividends. It's really nice. There's about I think it's at 97 holdings. I had to Sell a couple of holdings to make room for a couple of spin-offs that ended up in there from the energy sector And the material sector, I believe I had a couple spin-offs in there. I got some free shares And nothing makes me happier, right? I was talking about not spending money on idiotic things I get free shares that I got kind of happy about that. That's kind of cool. I'm like, I really didn't do anything for that But here we're approaching $50,000 man. I started this account December of 2019 It's it's 2022 December of 2019 So for you guys that are tuning in to youtube and you're like, god dang it. I want my wealth next week I need to find that youtuber. I heard Graham Stephan will get me there man He'll he'll he'll actually I can watch his channel and I can look out in the driveway and a lotus asprey Will just automatically show up If you want to pursue that end, I bid you all the best. I certainly do. All right You can be Graham Stephan. You can be that person. Okay, you can do it. All right Now that's the pipe dream My reality is such to suggest that perhaps maybe this is possible for any investor out there any investor So you want to go to option a get the lotus to imagine Imagine just show up into the driveway or do you want to just stop fooling around and start a wealth building program and start Building wealth. You need to build wealth. Okay. Stop relying on everybody else Nobody else is going to do anything for you. You need to do it yourself And it's that simple you can do it. I give this portfolio away for free I have people hit me up all the time. Ryan. Can I have your dividend portfolio? It's really simple They write one line in my in an email. Ryan. Can I have your dividend portfolio? I shoot it back to him. Happy investing. You're welcome. Congratulations cost them nothing zero nothing Mm-hmm. I've done all the work the portfolio is built. Did he just say that that's pretty cool I can't believe the value of this independent guy. It's amazing that I can subscribe to this channel for free of charge through youtube Unbelievable. I'm freaking believable. Yes. Yes, it is Here's a bond portfolio that I built just this year to try to get some fixed income in the portfolio We'll build this up over time Segway some surplus capital in here and live to fight another day Here's the tsp that I shared with you guys Up four percent. I said five percent my bad. I'm a bad person But after all the volatility man to actually be up in these markets is pretty interesting All right, here's the vanguard's growth growth is back to outperforming again Nice buying opportunity for a lot of people out there. This is the mid cap ETF here nvo Glowbex is the only thing that's down secure is the only thing that's down a little bit That's no problem That's just a strategic stab that I took at that That deal we're up in bitcoin week over week bitcoin Showed some stability over the last month month and a half or so anyway, and there's the portfolio value there For for a guy like myself who Has probably generated most of this based on sheer will sure will No perfection many many mistakes But this is where we render tonight on the live stream here on a friday At present. This is the current value as of about two hours ago in the portfolio. This is real results This is no screwing around again. I'm going to tell you right up front I'm not going to provide you with a lotus spree In your driveway But I could go buy five of them right now. Okay get going Get busy if this motivates you if it pisses you off great. It should it should okay Because you have work to do just like I have work to do. All right Do you have what it takes to make it? That's the title of this video. It's meant to get under your skin It's meant to suggest that what you think you know about money You probably could work and fine tune what it is or completely shit can what you think you know about money And start to get to work on what actually works. Do I profess to have all the answers? No, I do not but I deploy tried and true fundamentals that I share I kick over as many rocks as I can I do not leave any secrets on the channel I blow them out for people and I blow them out in such a fashion that I think a lot of people look at it And they're like, oh dang that that's interesting and they don't even see the intent of my message They don't I want to make sure that the words that we're putting through on the channel actually have the potential of If somebody just frivolously takes the advice And and punches in with the dividend portfolio that they're going to trip and fall and find success in that the vanguard sector specialty ETF portfolio. That's a mouthful. I get it. There's going to be people who tune in to me You know every week and that they're they're confused as to what that is do a little homework Go to the vanguard's website. Go to my portfolio. Check it out. Okay If you're just starting out in investing, don't hesitate to reach out. I provide those conduits through the channel It's no problem. What amazes me Is the lack of people that are actually interested in pursuing that in no problem I'm interested in it and I'm going to keep sharing it through the channel. I have no problem again I don't need your I don't need your stamp of approval on my message. I don't okay I provide this because you need to hear it not because you want to again I provide this because you need to hear it not necessarily because you want to hear it. I'm not here to entertain you I'm not a very good entertainer. I was not blessed with good looks But I am very very motivating and I do know how to teach upon what works. All right, let's get into the comments Let's rip through Let's see what what we're looking at here. Let's wait till it registers. I got Dave in the house, man Thank you for the dialogue. Very cool. I agree crypto is done. It's horrible. It's crazy If I make some money great I'll do the what warren buffett suggests and I'll sell it to some other schmuck. I guess at a higher price, but It's it's it's it's interesting and it hasn't really worked out that that well for me I got rick in the house here, man Very cool stuff. I've made it through almost the entire live stream without talking about my number one position in my portfolio, which I'm I'm really excited and need a couple more dollars to feel like we're Maybe removed a little bit of of where I think has been an unfortunate place for the company to go I do But I think we're a little bit premature on that and I think we're so far removed Of going from what is unrecognized in the stock market with regard to the anemic revenue that was turned out 200 000 I'll be talking more about it on my sunday video. I'm putting up two now a short version and a long version I enjoyed doing that and I continue to do that But you know rick's been awesome and and I just want to take this moment to thank you and acknowledge you Man works for money then money works for man Words of a wise man And uh, you know, it's amazing how many good people are in this community. It really is You know every friday when you guys see these returning patrons in there, man, make sure and pay some homage rick brings a very unique perspective to this community and also the opportunity for What I consider to be the best source of information For highly on holdings, which is a company that I talk about all the time on the channel through the discord group Rick rick's the man rick. I'll hook you up if you're interested to kick it in there Don't be an asshole You don't if you are an asshole do not join it. Okay, because uh It's it's a good community. They do a good job. There's a lot of good people a lot of differing opinions and that's totally fine But there's a lot of staunch believers in this message and quite frankly when you're talking about issues of cleaning up the planet I think people are frustrated with understanding that the time is now There's been a lot of companies that have built a lot of profitable companies on the the the On the back of the environment and I think now it's time for some of those companies to step up and do the right thing They need to do that the responsible thing and I actually believe they want to and I believe that they will Great evening to you rick. It's great to see you my friend Keep your eyes open for the the sunday release and and share it with the community if you'd like to do that But we're patiently waiting. Um, it's a great great community to be involved with and it's a great initiative. I I look across the landscape right now and My position's portfolio positioned well, I I'm satisfied where things are Um, I'm constantly evaluating, but I was just having a great conversation with matt matt money last week and He always asked me all right. And what are you buying and it's it's like I've been kind of off that grid for a while I've just been kind of enjoying sitting on the portfolio and and that's what I've wanted to do and that's what I've done That's what has made sense to me. It's made sense to put my effort in weathering the storm with highly on and uh, And uh, I believe that it's it's going to pay off and I need just a few more dollars of validation would be really really nice To kind of solidify that position. I'd really like it if the market did stay jammed just a few more months Um, yeah, you know in my evaluation, it's been kind of rough for me since january Exacerbated as well by by the highly on holding. It's been a rough ride the last couple years so it's it's taken some Some crazy patience to weather the storm but You know, it is what it is if you're provided opportunity to to maybe even scale back on your dca right now Maybe you can do that and wait for another retracement if we get it. I Don't see that happening rebecca. I really don't I hate to be the the bearer of good news But um, I I think we I think we've seen it I I think financial markets here in the u.s. Domiciled with these companies the google and amazons of the world Um, the the nvidia, uh adobe systems. These are crm. I could go on and on these these Companies are so powerful. They demand our dollars They demand so much attention from institutional investors down to retail investors and they're just too valuable They're just too valuable to ignore for too long when They're they're they're down and it and every dollar every point that they go down Just provides that much more of a buying opportunity in the eyes of opportunistic investors And that's what ends up happening and that's ultimately what what makes markets. They really do There was a tweet that came through that was tipping their hat to people who stayed true through the volatility Um, I I I don't know. I think that needs to be more commonplace I think people need to get involved with markets and they just need to stay the course I really do And if you do that, you'll be you'll be better for it. You can focus on other stuff, man You're an investor. Congratulations. My wife's account. They are harder than mine Also, I put more blue chip stocks in her account. Sure sure and you know making sure that that's in line with with her Risk tolerance. It goes both ways like I've said many times. I don't I don't um I don't tend to know where people's risk appetites are I mean, I've had males females Males suggest that they do not want stock. I've had females come on and say they're an aggressive investor And here's they want to how they want to meet their financial goals ab and c and I think that's great Um, it never ever suggests that that somebody is more prone to be a certain investor For one reason or another and especially if it's a couple You can actually compliment those two portfolios against each other actually and kind of double your efforts Aligned with your own risk tolerance together. Mm-hmm. So kind of a cool comment. Thank you for sharing Heber and I appreciate that that's awesome scrolling up here through the comments guys You got the same old same old characters in here. Thanks for the convo Earlier before we came live eric. That was awesome. Just an awesome awesome person, man Very cool stuff. Matt's in the house. Where's the thumbs up? I don't care if I could disable the thumbs up button I would Spare you guys the time that you take and putting that stuff on there, man. It's it's all good I I I'm tickled pink at the power of youtube The ability to provide myself a platform In all actuality, I do try to minimize my message But I I also do give myself some due credit And that credit is earned by nature of the reciprocation I get through the message and understanding that I do reach people I do and I take that very seriously I do I'm humbled at the opportunity I'm humbled at the opportunity to provide counsel I'm opportunity the opportunity to provide mentorship to people where Maybe they get a little spark of motivation out of the deal And they're able to put and deploy some some some good work to work for themselves and their family guys You can do it. Do you have what it takes to make it? Hopefully after 60 minutes you can maybe answer that with a little more confidence after sitting with What I've been able to bring to the table in 60 minutes learned over the course of a lifetime guys Life is happening right now get going pay attention pay attention to yourself pay attention to the life lessons That you you've gone through Because they're yours and they're unique to you And I think if you look to deploy those unique attributes about yourself I think you'll find that there's a lot there that can be put to work for a better tomorrow guys Thank you so much. Appreciate you tuning into the live stream always appreciate the candid conversation and being part of this community Really really just appreciate it and we'll be back next friday Same time nine o'clock eastern standard time Share the message with friends and family if you would bring them on the channel man Have them experience the the friday live stream if they want to That'd be awesome. If not share the opportunity of what i'm trying to do with them There's people in this community that actually can probably take and and empower others as well And the power of referral is is very very strong We need to be more people along and and get them to understand that they too Do have what it takes to get ahead in this life guys Thank you so much. Have a great weekend. We'll catch you next friday on the independent investor channel live stream