 And the Friday live stream is in the house Ryan is here for the fastest 60 minutes on YouTube Welcome to the independent investor channel. My name is Ryan. We are Broadcasting live from New York City Drop your comments in the thread here if you have any questions whatsoever I'm one of those folks that are trying to put a goal oriented program in place For myself it's already in place. I share that openly. We're gonna share some of those goals tonight Some of those will hit home with you. Some of you Will probably be motivated by these But looking to empower one investor at a time who can make their way to the independent investor channel and understand That this all it isn't about generating hype around popular topics You'll notice a theme in investing when you're covering financial markets that It's super easy to talk about the hottest Most on-point most on-topic thing When it is socially acceptable to do so Just a few months ago. We were talking about oil oil was the big trade Oil was where you wanted to put all your money. Oil was where you were wanting wanted to be positioned going into 2024 Chevron Exxon mobile and BP I believe are at 52 week lows as we speak Over the last five years we extend it to Multiple fads that have come and gone that have been politically correct to discuss that have misled investors the RQTS to Who knows if they'll ever crawl out of their dungeon that they've put themselves in? I have Maria seen nor Heard hide nor hair of Kathy Wood Certainly YouTube is calm down on hyping these false gods. That's for sure. Look, I'll level with you The the second you can figure out that if you're part of the independent investor community Yeah, you can log in on a Friday. You can you can catch me live and unscripted Which is cool. It's a cool thing about social media There's nothing cool about me. There's nothing special about me outside of the fact that I will put the focus on you I will insist that You look at your financial well-being and your goal setting And acknowledging those set goals as commonplace For those of you who operate with a little bit of chip on your shoulder I think you'll find this to be a very inviting channel In that I expect nothing from you You will not get a bill in the mail for becoming part of the community If you have found your way to the independent investor channel congratulations because It is a difficult channel to find. I make it that way. I do not feed the algorithm. I Do not play and banter to the YouTube Demands over me. I control my creative content on the on the channel and you're the ones that benefit from it The unfortunate part about it is we can't meet the masses now for every one person out there that can benefit From the message there are 999 retards out there that are going to actually take and bastardize my message and Not like like me think I'm a pompous confident person, which I absolutely am absolutely Call me what you will it is social media. That's for sure I've I've grown tough with my rhino skin over the last seven years of doing social media And quite quite frankly it's it's those Elements of social media that I've learned to just despise and discard quite frankly If there are a hundred people that make their mess way to the message and they do discard the message It is their loss. It's that simple I provide tangible results about what's going on With my own particular portfolio my testimonial that I share Right. We've got some milestones One that I'm pretty proud to share with you guys I'm actually paying a car off I actually made it to the end of a five-year term which feels awful good And it was a new car. It's not something that I I did do before the last two cars We've but have been have been new It is something that is not advisable as you do lose some off of Depreciation, but the problem is most people will buy a car and they'll trade it any year later It's dirty. I don't want to vacuum it So you go trade it in and you you want to get a new one or the newest version comes out You got to get a new one or the headlights go out You have no idea how to change it or you're due for an oil change and you've went to a hundred thousand miles without an oil change And maybe you think that it's time to probably I don't know put your lemon on somebody else I don't know. I'm a long-term buyer of of of my assets Cars are no different and I think I set myself apart in that application and that Cars will run for a significant amount of time if you just take care of them And and I have done indeed that so When you do that it frees up some surplus capital Which is something that I talk about openly on the channel for the recipients of the message to try to self identify As little as it might be or as much as it might be. It's great. It is certainly a scalable message To push out there. I won't tell you what to do Because I don't have the answers and and neither does anybody else What we do is we try to convey some some rules and some governing There's a few things that I share on the channel that I do. I started my own ETF So that's kind of cool for you guys that have been with me a while You know that I do the dividend portfolio. That's a fun way of investing and I've done nothing but make money with it Go figure investing is like gambling, right if you just fall Head over heels into the investing swimming pool. You're destined to lose money, right? Over the last 10 years. I'm staring down a big $100,000 threshold in one of my many accounts That is all tax protected money for you guys that enjoy the message know what I'm coming from A lot of you guys can enjoy a 401k a 403 b a 457 for the teachers out there I just happened to be involved in the the thrift savings plan for government workers And started the roth tsp during the year of inception. Actually, I was one of the First ones when it was made available to investor the tsp has been around since I believe the early 1980s But up until around 2011 2012 time frame They did not have a roth ira product And that's when they came out the roth tsp that of which I started contributing 2% to that Uh with a goal of having a hundred thousand dollars in it by the time I retired My friends i'm 12 years away from retirement on a career that i'm very very happy with Something that gets lost while i'm spending my time on youtube trying to Frantically chase down some idiotic pipe dream of becoming a youtube superstar I wouldn't be doing what I actually enjoy with my time and that's actually time away from the sacrilegious social media so for you guys that Understand I wasn't on friday. I appreciate the leave. I had some family in town and I do appreciate that I had a great great time Um I watched some junior hockey that was pretty cool and and just took some time downtown Checking out the festivities when the crowds were kind of uh a little bit Tame in new york city. They can get a little bit out of control Okay for anybody who's been to the big city here. It's it's pretty crazy And um when you go after christmas and the holiday season you actually get to see the tree and eat the same tree I walked by bryant park and there was nobody there This weekend. It was kind of funny. It was wall to wall people during christmas, you know But it was good times and I I do appreciate that that's just part of my ask on the channel Is that I retain that creative content and you're going to want to subscribe to the channel So you're made preppy to the messages that I put through If you're not careful, it'll go right over the top or in one and out the other Because um, I don't patronize people. Um, I do not spoon feed people um, I'm not looking to Ride the wave of propaganda So I don't really need anybody to um Actually agree with me on my philosophy Um on my philosophy. I believe is right. I'm proving that I'm getting results Someone would suggest perhaps maybe to come to me and say hey ryan, you know Um, what you're doing is is completely wrong In so far as my program makes more than you do Uh, I would like to understand the details of that I think all too often when you look at uh, just below the surface not even at the granular details You'll find that this system is absolutely designed to take your money, okay for Your benefit yes as a secondary byproduct But as a collective whole retail investors are retarded Okay, retail investors have done nothing but prove to me Uh beyond stupidity since I've covered financial markets that we are the lowliest of lowly idiots when it comes to What to do in the stock market and stock market's crazy because you can be a t-ball player And actually play in the major league Stock market. It's amazing. You can have no skill whatsoever Think you have skill participate Not as a ball boy, but actually face down major league hitters in the big league stock market It is a an environment fraught with Very knowledgeable people Very naive people Very influential people People who work for organizations as a part of a grander whole that is all aimed at selling propaganda to you in the end to get into your personal financial wealth your household wealth and somehow take that household wealth under the umbrella of comfort and facade That they are in fact looking out for your best interest All right, we need to start challenge this idea that the uh financial planner professional Is somebody that is going to give you that much more of a degree of a strategic edge Why why not challenge it? Hell, I could be wrong. Why not challenge it? Why accept it? Why accept the status quo? Why would you accept that a complete effin stranger? Who is operating under the title of a fiduciary has your best interest in mind? Why more than you do Right, you know your social security number. They don't That you know your goals and aspirations they don't They're gonna try they're gonna sit down They're gonna run you through a q&a and dialogue and try to get to know you and and and joke with you a little bit And try to understand and remember your kids names and they're gonna send you a birthday card really to show you Well, they're gonna try to persuade you into thinking that they care They don't care. Okay when you do better. We do better You guys believe that You guys believe that 99 people will watch the independent investor channel and they will go somewhere else Because I am not talking about what is popular in the masses I am talking about what is popular in the ultra minority ultra minority Put a program in place to allow yourself to Identify and stare down milestones like the first ten thousand dollars Of invested capital, perhaps maybe in the s&p 500. I don't know maybe find a good. Give it in dtf chd Just took a nice position in there about 151 shares. Don't ask me why 151 shares Of s chd within the roth eye array in addition to the hundred thousand dollar account and it will get there Probably within the coming month two three. I don't know but uh nice to be staring down that threshold Once that calibrates after a big day in the market today market was up huge today We should get a nice 1200 15 dollar push in it put us at 9800 So a couple grand away from that A lot of people will ask and suggest why do you share that? Why do you convey that? For you guys that have been with me for for a time You know that I earmarked the ten thousand and the thousand and five hundred is starting at capital 2500 10,000 25,000 100,000 quarter million 500,000 and eventually the million dollar mark as the 11 thresholds of wealth It's just a number guys. Stay with me. There's nothing magic about it okay The reason I do that is for the psychology of it Okay, a lot of people have a hard time seeing themselves in some capacity beyond 10 thousand I presume of invested capital And it is by nature of moving through those thresholds that you will have garnered the ample temperance and tolerance necessary to hold dollars in invested capital In the stock market stock markets will go up and down I can guarantee you over the last three weeks this stock market in january 2024 Have absolutely shaken people from the stock market and it's probably shaken people from the stock market who are like Hell, yeah, I'm getting involved. This is my new year's resolution Just like I'm going to be in the gym every freaking day, right? I wait This is about the time three weeks. I go to the gym every day I went twice today. I go every day This is usually the time that's the least favorite for me Because I usually need to get those people who have their new year's resolutions that last about three Sometimes tops four weeks out of the gym and then us hardcore savages can get back to normal routine um Because people have a really really hard time sticking with Resolutions because they approach it the wrong way They look at it to be uh an exercise and they're going to go and they're just kind of put their body through rigor instead of Really look at it looking at it like a lifestyle change, you know Understanding why you do it. Why do I go subject myself to the pain? In the gym without understanding the payoff. I know there's a payoff it happens afterwards It happens during my day-to-day interaction at work. It keeps me calm. It keeps me healthy You know, I take great pride In understanding look if i'm going to go tomorrow at least i'm doing everything I can possibly do Um to fight the idea that you know, I don't want to check out early, man I'm having too much fun And I expect you guys should be having some fun too Looking at your own personal portfolios and and and saying yeah, ryan We're with you, man. We're also sharing in some of those thresholds that you're talking about Maybe throw a thanks And i'll thank you back because it wasn't my initiative It might have been a little spark or motivation might have been something I said might have been, you know 68 videos ago or or 412 videos ago when I talked about chewing hub above all the time, right? That got you motivated to Take a little different path a little bit more attention to The financial stewardship in your life. Okay a little less attention to that charismatic person times 500 That wants to motivate you in a certain way. All right and very very careful In making sure that you're defining your program as yours and not somebody else's okay You can try to carbon copy. I'm going to share my ryan's etf with you. It's called the 123 etf Because there's 123 holdings in it. I'm going to share my top 10 and my top 20 Stock picks tonight out of that dividend etf. Why not? It was a dividend portfolio now. I'm calling it an etf I built it myself. I charged myself nothing Isn't that lovely? I got dividend renderings anticipated next year Of $1,380 and 84 cents For just a little over $28,000 in that portfolio We built it up since 2019 We started with 1500 bucks Yeah, that's just one of the many accounts Incentive thresholds, right? Why do you think I'm having such a damn good time, right? Yeah, I I I do understand For for for that one person that does make their way to the channel and can get past my delivery Um, I try to be edgy. Okay I wouldn't be very much fun if I just came on here and just slept 60 minutes. You wouldn't find any value in that 60 minutes you would have no value in that whatsoever, right? So I have to deliver a little charismatic If I turn 99 people off, but I reach that one person that's like Hmm interesting goals is set and identify for myself right on I don't want to end up in 2024 At the end a little bit different than I did the end of 2023 Uh, I was a fart in the wind in 2023. I was pushed and influenced in every way. I followed 672 youtube influencers and and all 672 had a different idea about what was right for me Maybe I need to look in the mirror and try to identify What's right for me? That's a hell of a concept, isn't it? Right on for the one person that hears it. They'll get it. It's the very reason why I do the channel To to to really convey What I consider to be the truth in the face of what I consider to be an institution that is absolutely designed Not to help you but to hinder and misguide you and sell you down the river On the river of financial propaganda be back with you in just a moment A lot of people ask me. Okay. Well, what does it mean Ryan? You're almost approaching 100 grand I'll tell you how I did it. It's really simple. I'll give it away. This is actually information that is worth paying for It's it's worth paying for if I could go back and I was like 19 years old And I I found my channel and I was like all right on man I got to join this guy's private group I I'm here to tell you just take a freaking time out. All you got to do really is just subscribe to the channel Man, it's free of charge. Don't waste your effing money. I don't need your money. I have plenty Okay, just spend your own money on you. You're fine. All right The very value I have on the channel has already been defined long long ago. All right How do I do it? How do I do it? How is a new investor supposed to look at this thing and be like, oh 100 grand too? God dang it. Oh, I want 100 grand next week. Well, it may take a little bit longer than a week I've done it in a little over 12 years all right That is not my only account, but I will I will tell you the secrets to how I did it. Um I have a job I've done youtube for seven years. I've done my job for going on 19 Never in those 19 years never Not for a second Did I ever consider quitting my job to do this infernal machine? Never Get it get a flipping job Find something that you like I don't care if you consider playing guitar a job You have to be really good at it and you have to do something that's a really really novel idea And that's make money at it If you're a painter if you're an engineer an electrician a trot whatever it is that you do on this life Get a mother flipping job. Okay, get a get a mother flipping job YouTube is not a job. Okay. It's not a job Many many many will disagree with me That's totally fine I I cannot I cannot stress enough the importance of Me carving out my time on youtube to the bare minimum enough to retain my sanity Because the rest of my time i'm hanging out with my awesome wife or my awesome kids, right? Um, i'm spending time at the gym and I and yes, I am spending time building a career Which I very very much Appreciate now if you can resonate with that idea great I can tell you that's a direct contributor To how I've built that wealth up in that account. All right. I started with two percent Okay, so the carve out from the paycheck is the idea of paying yourself first. All right You will not miss that money. Okay, and it is just amazing to me. How many people cannot Wrap their mind around this concept and they think about how much they're missing out on and You know, how how how many big screen TVs or how many vacations they're missing out on I could go on a permanent vacation now with the money I have I could buy 10 bmw's right now Okay, most people will aspire to one and never get one. Okay. I don't say that to be pompous But you have to set your priorities upright me personally guys and I convey this all the time to the channel I'm super super simple fella super simple. I'm so simple that I don't even have money to buy socks I'm barefoot right now, which is kind of a staple of the channel actually But to contribute to it every month and find that carve out a two percent guys right now I'm up to 25. So I do fund it a little heavier. All right, but there have been times due during the evolution of brexit of the financial downturn of 2009 Where I was invested not in this account But over the course of let's say the last decade where I have looked at that account And I've been like what what am I doing if I had looked at the account in a in in the acute I would acquit I would acquit You get up to 27,822 dollars and you're like god dang. I'm freaking rich. God. This is freaking incredible I want to buy a house want to buy a house, honey I can take all of my retirement and put it on a down payment 28,762 Put it all in a house. Boom. It's done scrubbed done Because you've justified such expenditures and have not prioritized the importance of something grander When I was at 60,000, you know This is the no man's land right where you step into this era of You know, you get up to 60 grand then it retracts back down to 52 and you're like, holy crap. This sucks Or it retreats back to 42 7. I've been through every articulatable Level in this portfolio. It's not even funny. You don't go from zero to a hundred grand without seeing some pretty incredible fluctuations. All right fluctuations in the account now guys that Having gone through that hundreds and hundreds if not thousands to this point fluctuations Up a thousand. I've had $10,000 days. I've had negative $10,000 days Many many of them doesn't matter. Why because that's not what's important Right, it's like a selling a duro at $1.20. If you're selling that stock because of the stock action, you're a retard I You're an idiot. You're that dipshit retail investor that I talk about and we're all dipshits Myself included as a class. We're idiots. We're all part of the game stop like screw melvin capital and Ape shit to the moon and and elon musk. We're all part of the retard community all of us So the further we can get from that like garbage that doesn't mean anything whatsoever Cryptocurrency scams 80 percent of everything crypto There is an element of legitimacy. All right the bitcoin etf. I freaking get it All right, but the more we can kind of distance ourselves from the flavor of the week Perhaps the better off will be and it's amazing to me. I spend 60 minutes on youtube Pretty typically once a week talking about my very very favorite asset which Is slowly making me rich. I don't have to get quickly rich Well, let me just put a comparison on the table here a duro clean technology Last week I was up 25,000. Obviously with the digression. We've come back a little bit. All right 25,000 it's a quarter of what my entire Roth tsp has grown to After 12 years and you might think man alive rime. That's incredible. God dang you've been investing in a duro for over a year I want that type of return. Okay I I share both as an extreme on both ends Okay, extreme on one end that will get scrutiny and get scrutinized as a passive program Yeah buying and holding just doesn't work. I've heard that a lot now on cnbc, man Pretty pretty amazing Buy and hold doesn't work Compared to what I I'm sorry. I this it's working for me. I I don't I don't understand What are you talking about? It's not working. Is it not working fast enough because I can tell you my stuff's working. It's working Okay, had it not been for the power of investing and investing in the stock market You think you think a dumb schmo like myself would be come on and and and projecting to to a youtube audience This type of this is serious net worth Miss serious I work a blue collar salary. Okay. I don't work on wall street Mm-hmm. All right. I'm not the head of bit conned It's a good netflix show check it. I highly recommend it You'll want to throw the kitchen table uh through the television out at the end of it because If you had any faith in the justice system before After watching bit conned you will have zero. So congratulations It'll move you one step forward in this idea of being a little bit cynical On a system that you probably have way too much trust in. Okay, so As of yesterday, maybe you need to start initiating this like Empowering program that I talk about right. Well, why do you do what you do? Are you are you serious? Or don't don't you see what's going on? You think the middle class is going to exist in 20 years? There's going to be the ultra rich which is happen. It's it's happened. It's done Okay, we have the ultra rich and we have the really really poor Okay, remember the retard community that I talked about Yeah, we're all part of that like high middle class middle class lower middle class lower lower middle class Whatever wherever the hell you put yourself on that spectrum. You are not rich Okay, you can have one two million three million And in accordance with that scale that I talk about the distance between the ultra rich and the middle class Doesn't compare Doesn't compare going from zero to a million dollars will be absolutely the toughest thing But to get to that first million you got to get to the ten thousand How many in the group have ten thousand dollars of invested capital? I'd like to know How many in the group? I'll ask a scarier question. How many in the group Have one hundred thousand dollars of hard assets that are devoted to either the u.s. Stock market or international stock market right now How many Can I be presumptuous a touch and step out on a limb and suggest maybe i'm the only one? Nope, I just saw becky that makes two of us So so the idea there is to challenge smoking heart says me. I'm good Now you get the point right I'm one of those guys. It's funny man. I expect you to treat me the way I'm going to expect to treat you if you come on and says ryan i have 12.7 million dollars You know what i'm gonna say your success you're not going to get any animosity for me. I celebrate success Okay But we have to start the mental mindset in allowing people to understand that once I was there Where I did not have 10,000 and it was the most difficult Psychological thing that you had to wrap your mind around in understanding that you needed to change a few things Okay, what were those things that you needed to change before you stepped into that evolution toward that first milestone? And it's not the first milestone. The first milestone is to get started $500 Okay, get to a thousand dollars feels pretty good 2,500 These are all scary propositions for somebody who doesn't have the first f and clue right about what's going on Success I dig it. See there's a lot of people and and I tell you what guys I'm 46 years old Perhaps maybe you want somebody that's 20 years old coming on to youtube and proclaiming to the world that you're a self-made millionaire That's freaking great too I'm a little more realist About the whole situation I'm not one of those guys that will come on to youtube and say that making money is easy Okay, I've made some easy money. I've made some hard money I do go to work and I work for my money And that's it's all okay across the board. You should be willing to accept all of it all of it But don't for a second come and cross your wires and try to sell me on the idea that your easy money Is also hard money. It ain't I've made all kinds of spectrums of hard money and easy money. All right, and the easy money is kind of interesting. Okay, it's a it's a You know a byproduct of a well-laid plan I've said that many or a byproduct of a well-laid investment There's a lot of people out there making it. I appreciate you sharing that man. I look I celebrate success The more we can figure this out and start to accumulate Independent wealth the more powerful we will be as as a community and I'd like to see it with more backing Than amc and gamestop. Okay. I would just like to see a little bit more fundamentals Backed by it and if it just so happens to take somebody who doesn't know Shit about investing to s to buy to earn money The old honest way by investing in the s and p 500 so freaking be it Okay, because again I think a lot of people are looking for that needle in a haystack. They're looking for that discord group That's going to turn them on to that next best thing. Okay I do offer the next best thing and it's crushing it crushing it How I have I had investments that have not crushed it? Sure, sure Again, this is not There's a lot of attributes that will come out. Right. Remember what I talked about the t-ball player trying to play Major league baseball Right thinking that they're good at it thinking that they can actually, you know Compete they strike out every time and they still come back and they still keep kicking ass This is where day traders get into trouble. It's like, you know, they miss that spike. That's okay. I'll get it tomorrow They miss the spike. That's okay. I'll get it tomorrow. They miss the spike again. God dang it I'll get it again tomorrow And at the end of the year, you're like, Jesus, I just spent the whole year staring at at charts I think at a couple points during the year I think there was a couple of women that were interested in me But I was so busy staring at my charts Right that I never even lived life. Okay And now I'm a hundred grand in hawk because I decided to engage in this fetal activity But now I'm realizing I'm really not that good at don't beat yourself up. Nobody's that good at it Nobody for the long term you get lucky worst thing that can happen to a day trader is they start making a ton of money and they actually think that it's Um sustainable for the long term Can if you do it probably That that's the crazy thing about the stock market man And for those very very few those are the naive people who actually think that they can scale it to others That's where it becomes very very dangerous Because where I would contend that there are those very few out there that can actually Make a go at it. They have the equipment to do it. They've taught themselves very very highly educated Day traders understand technicals understand everything they need to do Great keep it to yourself because you are not going to be able to transcend that The only benefit that's going to come out of you selling your $2,500 course to somebody Is to the recipient who's put in the work. All right. Once the work is put in the work is freaking done. All right Let's move on to the etf. This is the 123 etf. This is kind of cool. I'll share my top 10 Everybody provides their top 10 this this represents 19.24 percent Of the total wealth in the uh account, which is about 28 28 that is 28,000 Is that not no there's 46,000 my bad. There's 46,000. So that's approaching the $50,000 threshold This is split across 123 holdings. I'm about to give you the top 10 now The top holding in the portfolio you're going to be super surprised on this and you can throw tomatoes at me And you can just be like Ryan you suck shell Shell oil top position Next bristol mires bmy Next is intel Okay, next another chip taiwan semi conductors Next is gilead life sciences Next is comcast Next is ibm Next is caterpillar And abvy And finally Verizon Okay Those are the top 10 Pretty cool It's done really really well for me Those are the dividend portfolios You want to know how much Honeygling I do with it you want to know how many Wrenches I do on that portfolio with the torque wrench Is there a torque spec I can give you on it to to really get more performance out of it? No, I continue I'll provide you the top 20 because I just because we can and we're all friends and It's fun Cisco CVS Um digital realty Duke Disney AT&T Southern company Medtronics McDonald's And finally Abbott Laboratories Those are the top 20 Unfortunately, I can't share the portfolio with you guys anymore. That was the thing of the past So I'll have to just convey the holdings to you Um, you know, I'm I'm a little sour on the channel right now Um, if you haven't noticed if I was if I was super stoked about social media And I thought that I would be embraced with loving arms I I I could probably do daily content if I felt like I had the time to do it I don't I'm just in a time of my life where I cannot do that I have an obligation to the people who I support my family To make a go at this and I have a chance to do something very very special with my career And I'm having fun. This is just me. This is just me. I I Being a social media Influencer is is I enjoy doing the live stream. I really do enjoy the product I would enjoy it more if I didn't feel like it was manufactured at this point because My time is vested elsewhere at this particular juncture in in my life All right. Now, that's not to suggest that that won't change down the line But to be quite honest with you, you don't you don't need me You hear enough in a live stream, baby to where you should feel like it was 60 minutes well spent I've been accused of people coming on here and listen to my blah blah blah blah blah blah blah All right, come on a live stream And at blah blah blah blah, but I actually say some stuff And and I know how to get through to people and I'm a damn good teacher All right. And the thing that sets me apart is that this isn't in a patreon group This isn't in a discord. All right. I'm giving you this goods live, man If you think I'm working off of a teleprompter I I can I can swear to you. I'm not this is live every friday and that's what makes it kind of special I think it's pretty cool Kurtz in the house 179 and playing the guitar I think we need to wrap our mind around this idea that A lot of the wealth In this country and maybe even abroad Might not be in the most obvious places. It actually might be in the most unobvious places Yeah, don't don't judge a book by its cover, man I've never been like that never been judgmental I would never look at somebody else and say you have this I have to do that That's not me. That's truly not me I I I know there's people who suffer from that syndrome And I feel bad for them. I really do Um, when I shake somebody's hand, I don't care if you're worth 40 or 50 million or if you're worth nothing I I don't care I will click I will quickly ascertain Who you are I'm a phenomenal judge of character Especially if I'm with you in person phenomenal judge of character And you will give me that insight right away and and rightly so All a sphere you'll probably understand where I'm coming from too I'd go out on a limb again and suggest Maybe you get some of that insight on the independent investor live stream And that's what keeps me coming back because I think I do share that Through the course of each and every live stream You kind of get an idea of of what I look to put focus on I like to put focus on stuff like this Right, this seems to me to be personal success I don't know if curt inherited the whole thing and I mean I'm not picking on your curt I think it's awesome. Let's just suggest for a second that I throw out there that you're a self made 179,000 air right But but you never know where somebody's coming from you never know You know what they've been working with what hardships they went through to to achieve some personal wealth But you know the next threshold for curt's a quarter million bucks That's nothing to shake a stick at when I made the analogy Some a couple minutes ago in the live stream about a few million dollars being not very much in the eyes of society Let me put that into context We are all rich Right now Yeah Yeah We we don't want to get complacent We do not want to Accept the fact that it will be ample in our future to see us into retirement as being satisfactory I get complacent for a few minutes and I feel like I suffer for it If I get complacent for a day or I take what I feel like is a little bit too much time off Which I do I decompress I take take time by myself chill whatever Excuse me, but when I do You know, I feel like there's there's things that are being neglected And my friends those things are things that are being neglected for you too They're out there and they're not things to be stressed about they're things to to to really relish in That that's what keeps you going in life, man Look if you get bored in life You're gonna die so find something There's just one element, all right Finances and financial stewardship if you avoid all the bullshit is super easy It's it's super freaking easy Um The reason why I would suggest that it's hard Is because of all the propaganda And uh an absolute horse crap that I see people buying into on a daily basis 2024 will be no different. There will be people at the end of 2024 Who have bought into every piece of propaganda? That was aimed to sell you down the river in 2024 remember last year Who became a bond investor in 2023 I can raise your hand admit to it. Yeah. God dang it, right? They got me on that when I tell you what I I I listen to the live stream every friday ryan Yeah, you gave me a bunch of armor and I I succumbed to the bond investing and I missed the 25 percent at the end of the year That's it's okay You're still a good person. It's okay It's just it's tempting. I get it. They're aimed to Miss mislead you okay. I I would love to meet these crackers who justify Ken Fisher I don't get it I don't get it And there would be professionals out there that come on and you see this youtube guy. What a freaking what a what a what a bad guy What a bad guy misleading people away from ken fisher really? I don't see people Raising their hand and shouting for joy and suggesting that family and friends and and everybody who wants to make millions and millions of dollars Join ken fisher and oh by the way, you need to have 500 thousand dollars to invest with their firm Or they won't even talk to you No shit You can have five dollars and come into the independent investor channel. I'll talk to you Mm-hmm won't charge you a dime What's good for you is is also good for me When you do better I do better Does does anybody else get irritated by stuff like that? I I hope you do maybe I hope you do I don't know this is me off I Take solace in the fact that I I don't play ball, right? Um, I am a big league hitter and I'm in the big leagues by myself I've been on an island for a long long time and I'm here to tell you it's totally worth it man get there It's awesome. That's it's legit Okay, the one two three etf the one that I declared I have real money in that that's that's not a joke But I'm also not paying, you know, uh, you know A tenth of a of a percent or you know, two tenths of a percent of management fees either I'm paying zero Five percent that's probably right Yeah, it's probably right When you do better we do better. What what happens when you don't do better What happens when the market is down 20 percent? Do they do they not do better or is it? When you do bad, we also do better I Seriously I don't know five percent. Holy shit. Are you kidding me 50 000 on a million dollar portfolio To pay some dickhead to come on to tv and put on a suit and act like the guy just looks like a freaking crook Do I I don't I don't I don't I don't I don't make enough to come on to youtube And have people accuse me of making so much money on youtube most of this gig is done on my own accord and I do it willingly and I I really do want to retain that Sanctity on the channel because that's what kind of makes it special It's it's me against An institution that look I wish I had more faith in it. I just don't I don't believe in fiduciaries I've had four financial planner fiduciaries or financial planner professionals in my career and I can tell you I graduated from them Learned a lot from them. There's some really really good ones out there It's an admiral profession for those that do it, right? For those that actually educate and counsel and coach To to really really have somebody's best interest in mind is a very very fragile relationship um, and in some in some cases It may just be best to tell somebody that they are ill equipped to invest And I would just rather have somebody self assess And identify that they need to work on their self education before they engage in this That's what makes this difficult It is Okay Not everybody can start in this gig and subject their money to the whims and volatility of the stock market at 18 19 20 years old And hold true on the s and p 500 for the next 40 years. Is that what they should do 100 percent? Done Don't need don't need cathie wood don't need bitcoin don't need ethereum No, you don't need spax You don't need any of it Buy a chd buy some small cap etf Index funds and mutual funds whatever you want to do Hold it for the long term dollar cost average over the long term That's what you need to do. Okay The great quote in my viper group and i'm going to use it again I've mentioned it twice twice matt money left a comment to my viper group. He said If if you want to be a millionaire invest in the stock market If you want more than that i.e tens of millions start a business Because the amount of risk that you would need to take on to just turn Very little into a very sizable amount is not worth the risk When we break the mathematics down and we look at the time that you have it's your time. It's not my time. It's your time Okay To spend on this earth The idea is to maximize that time That you're spent contributing to your own program not ken fishers program Not ryan on the independent investor channel. I tell you well ryan I tell you what he charges 19,500 to join his private discord group and all he does is talk about I don't know. I don't know what people talk about for 20 grand 25,000 dollars $5,500 250 is too much jim kramer's charging $400 a year to join his What is it the investor club $400 too much garbage don't need it don't need it He's not going to show you some needle in a haystack That doesn't exist outside the dowl 30 Look in the smp 500 for crying out loud. You got 500 companies to choose from in there Hell you could probably dartboard the thing and end up more successful than trying to listen to the whims Of somebody who's going to pick what 10 stocks for you to Outpace the smp 500 over the long term. It doesn't happen It can't happen It can't for the reasons that i've expressed on this channel Over and over and over and over again ryan. Do you put your money where your mouth is? This is exactly how i've been able to accumulate this that i share with you On a very very consistent basis. Have i deviated? Yes. Should i have deviated? No But this is the goods And for anybody who's coming in like a fragile egg And they're just starting out in this investing. It's it's on fire ryan. It's a scary landscape out there I'm walking into a desert ryan. Help me. It's scary. I don't know what to do. What book do I read? What stock do I buy? What broker do I go with? I have no idea Take a deep breath Ask yourself Do you want to be an investor or not? Okay, if you don't want to be an investor You don't have to worry about any of the aforementioned questions that you just posed to yourself All right, stop making it more difficult than it needs to be by inundating yourself and and and and and and self Deprecating yourself in thinking that you don't know enough to do this guerrilla activity It's guerrilla. It's a man-made freaking activity Part of it is insane. Okay putting large capital into stock that is what it's not like this I enjoy this It's a tangible asset for crying out loud. Hell. This is a tangible asset I enjoy my notepad for you guys that have known me for years. You know, I'm a notepad freak Notepad there's a few stocks on there Yeah, some good cisco taiwan semiconductor apple computers Broadcom, there's a good company for you s chd top holding an s chd, right? 109% rate of return. Okay Look at the top performer an s chd comcast or ran Carnival cruise line Hormel foods exxon mobile at that 52 week low Halliburton slumber jay total energy Eog shell, which is my top holding in my One two three in my ryan's etf. I don't know if you have a better name for it Put it in the thread. I'll name it my etf after your good recommendation Free of charge. Okay. Just don't sue me for the rights to your naming my etf. All right Newell brand's volero Mastercard Aflop Sonofi Santant bank of Santander. That's a good one murk uh bristol mires cvs uh gilead Medtronic Humana don't have that. I don't have united health. That's an awesome company amgen avvi What are you getting outside of these stock groups? That that I mean I can spoon feed you i'll continue to spoon feed because it's just fun and i'm proving my point amazon Uh bowing which is probably a buy here because I guess they tightened up the bolts north rip grumman Uh Costco Costco's a good one pepsi Uh kanagra. How about kroger? I think it's the second biggest grocer. I'm behind albertsons This is xpo Microsoft google adobe meta invidia the fab seven Minus netflix, which i'm not a fan of that go up every freaking day. It's pretty impressive. Honestly I own microsoft google and amazon. I own big positions in them Uh apple. I can't get my head wrapped around 31 times and invidia. I can't get my head wrapped around 80 times but Great companies fun to watch them go up. I own them through the index. That's great Where invidia goes the market will go where apple goes the market will go, right? So uh amazon and google are just starting to wake up Microsoft has been on an absolute multi-year tear So microsoft, I don't even look at it anymore. Um, I just I've owned it for a long long time I own it within the roth It's the easiest stock to own ever So we just own those companies. That's awesome. So you get a little taste of you know the methodology, but I have the tolerance to look at an apple go down to 90 dollars, which is what it did three years ago I have the tolerance to You know kind of weather the storm when when amazon and google went through their last downturn meta Just within the last couple of years went went down significantly now. It's pushing 400 Impressive. These are the things that happen in the major league stock market. Okay, most makes most of the retail community shit their pants and Look for youtubers that are 19 years old to show them the way Because what they have so much experience right I should try to find those guys, especially Guys and gals, especially on tick tock that have so much Infamous experience enough to share with people Enough to where that information can actually be taken and paid forward and put to rigor and actually Render results I don't know. I won't I won't play that kind of ball No way No way No way you got to agree with yourself on the program you put into place and then you have to validate it For real if you're that oh, that's up some sound up and see but I missed it up and smell to see if that's just Not working for you. I don't know. Maybe try changing up the program a little bit Yeah, yeah, you'd be glad you did We got four minutes left in the live stream guys. Very cool stuff Ryan's Tacoma etf free commission fund. I like that. That's good. I'll tell you what jamie That's a good one. I like it a lot man. It's very good And that is the very vehicle that I have just taken ownership of the bank No longer owns the note on it We've brought that asset in-house. It's a little win for the small fry. What can I say? I work pretty hard for a living XBO very good. Thanks for the recommendation I beat the SMP over the last three years 10 percent annual return with well absolutely fantastic That's good. You can do it. You put the time in You know if I work in mitra dates awesome mitra date comes on supports a channel every week and these are the types of conversations that I like to deal with right The the the thing about it is here from my lens, okay The SMP 500 is The easiest Asset to invest in it is not hard. It is internally diversified low fees And it does in fact require zero Your program not knowing any of the details Will probably okay being presumptuous Require a little bit more management than what the SMP would call for which is zero, right the benchmark Okay, so when I talk and convey a message my message and you know this about me I have to convey that message that speaks to the masses All right, you are the exception my friend not the rule You are the exception Not the rule and I think all too often youtube and the retail community fault wants to fall into this bad habit forming Habit forming behavior of making the exception the rule No, no, no the rule exists The rule as a benchmark the very benchmark that we compare every asset against why Because you could have just as easily held that Right for the entire previous year and garnered the results that the SMP had to to render, right? um And absolutely there there are there are possibilities to to far exceed the SMP returns um, but but those situations are um possible Year over year are they sustainable over the long term? It's yet to be seen. I wish you all the best I I hope you outpace it As many percentage points as you possibly can because again, it's it's that You're you're uncovering a vein that is possible in investing Where i'm dealing with a community thousands over who think that investing is gambling or they can't even justify putting what one red cent You come on and share a testimonial like this a success story Of somebody who's investing successfully in alpha to the SMP 500 man, and I dig it. I commend your efforts. It's awesome Thank you for sharing My friends were rolling down a little bit. I i'm looking through got some really cool comments in here, man I appreciate it See what you did there. Jamie. We're definitely talking stock How you describe yourself very cool Very cool stuff, man Ryan you fire me up. Yeah, I fire myself up. I actually leave the live stream Uh hot and sweaty every every so I yeah, I put my game face on for this for sure That's why I need a nice cool drink to deliver the goods every week Fantastic, man Very cool stuff. We'll end on the a good note here. Becky. Um happy retirement to you Hope all is well happy new year to you and the husband. Tell them hi for me Great to see you. Uh, sorry you get a ninth inning shot out on the independent investor channel, but nonetheless It's live and it's genuine Which is what makes me special you guys. I really appreciate you tuning in We should be back next week on the independent investor channel live stream. Have a great rest of the weekend Be well be empowered. All right Share the message if you know somebody bring them on to the channel Something that I've noticed and some other folks in the community have noticed Is that youtube has just kind of left me On my own. I do enjoy that to a certain capacity But I feel like there's a lot of people out there that could probably benefit from the empowering message that I deliver And it is empowering. I'm empowered personally by it I'm empowered by the opportunity to share it with those folks out there that Like I said, if we can get to the extreme minority out there that is really looking for a solution That works that doesn't have to trust the system That doesn't have to trust an institution that by my admission Is out to get you Right. This is the spot for those folks bring them on to the channel. We'd be glad to have them guys. Thank you so much We're tuning in to this fast to 60 minutes on youtube. Be well. We'll catch you next week And uh, all the best to you. Check you later You