Correct.

But the thing for me is I tell everybody, get started.

Too often times we think we need this absorbent amount of money.

Yeah.

No, you don't.

I started with $250, but you can start with much less than that nowadays with these robo-advisors, with fractional shares.

And so for me it's get started.

Tell me a little bit about the

Mm

...

I was, I was on a fast track to success by way of sports.

I played football and basketball.

Obviously, I'm only 5'9", so I chose football.

And, um, man, made it all the way to Division I, got all the way to Michigan State, and that was the first time that I seen it was guys just as good as me, if not better.

And between, uh, my academics, between just the luck of the draw, 'cause a lot of that stuff is it did you go to the right situation? One of the mistakes I made was I went to a school that was big time-

Mm-hmm

Mm

...

these things are wiping out whole sectors and industries of individuals who don't, who don't create their own, have their own, build their own.

And so I would tell you, you have to have a two-prong approach.

You must be investing.

You must be into diverse assets, alternative assets such as crypto, Bitcoin, gold, real estate.

All of it now has come to the forefront where we must participate in those things or you gonna get left behind.

Mm

Thank you, bro

... can, can pay for the toy, you're fine.

But what I love about you, man, you made a commitment to whatever the toy costs, you're gonna give that equal amount.

Let me tell you this.

I don't, I don't buy toys per se, but this is what I do.

So if you told me, don't tell me, but if you was to like Coach, this is how much the toy costs.

What I do is go invest that same amount.

Yeah.

Thank you, bro

... can, can pay for the toy, you're fine.

But what I love about you, man, you made a commitment to whatever the toy costs, you're gonna give that equal amount.

Let me tell you this.

I don't, I don't buy toys per se, but this is what I do.

So if you told me, don't tell me, but if you was like, "Coach, this is how much the toy costs," what I do is go invest that same amount.

I'll sit back and do stuff like this.

Yeah.

You were super excited that somebody actually paid you money to do this thing.

That was when I wrote my, I got two bestselling books and I wrote the first one in 2014 and the second one in 2016.

Travis, I got paid to speak.

I was always speaking, but at first it was paid in chicken wings, Twinkies, stuff like that.

But one day, Trav, man, they paid your boy.

I think $250.

And that was one of the first times that I seen like somebody will pay for your expertise or pay for something that you actually accomplish and wants to kind of glean from your wisdom.

Or tell me a little bit about the

Yeah.

Because, guys, I'ma look at the camera.

If you was here and you seen how hard he work, not what y'all see online, if you were here where I'm sitting right here, he deserves a toy.

He might deserve three of them.

My point being, though, reward yourself.

We can't take the money with us.

It's only so much giving you can do before it's not advantageous from a tax standpoint, so you might as well enjoy it.

Who needs to be there, all the things.

Have you found that to be the case?

You're 100% right, Ryan.

The cutoff is not a aggressive act.

It is more or less you walking in your purpose, you walking in alignment with what you were called to do.

And some people see that and feel like you outgrew them or that you've changed or, you know what I'm saying, that you don't come around anymore.

And some people see it and say, "Hey, I see where you're going.

I see that favor looking real good on you, Ryan.

They're using the full stack and deploying it, and you're watching people go to zero over and over, and it's, it's like sad to see some stuff.

How does somebody retire debt free?

You know what? Stacey and Angela, like a lot of athletes go broke three to five years once their playing career was done.

So I was an athlete at Michigan State at the time looking at this kind of stuff.

And so I peeped that in her and I would just see how she would move.

And I knew I was broke holding on to every dollar I had on my refund check.

And that was one of the things we took into our marriage, which was like, you know what? Saving, being intentional.

Owning everything.

Angela.

quiet but how did okay y'all retired debt i'm just gonna put it out there you retired debt-free at 37 years old 37 years old that is amazing how does somebody retire debt-free

stacy got right to it man Let's start with the headline.

We were very, very intentional, man.

We met at Michigan State, just two poor, humble, hardworking kids, man, I like to say.

So we knew, Stacey, that we didn't have a lot of people to depend on.

So when it came to money, I would see how she was moving.

And I was taking my little refund check and making sure I was moving right, and I'm looking like, okay, I'm feeling her, and I'm loving how she's handling her money.

What was one of those things financially with you and your wife that you guys had to compromise on?

all right chris you have had an unusual but unbelievable journey from being a one-time athlete to becoming a brandon and of yourself tell us your quick story about what you were trying to do and then what you ended up manifesting

for me sports was the gateway that took me on a path to fast track to success what ended up happening was i fell in love with the finance portion of it when my athletic career came to an end because i was inspired by the fact that we make all this money for the athletes to actually make it but three to five years after our playing career and many go broke That took me down a rabbit hole to learn everything I needed to learn, to read all the books that I needed to read to learn how to 1% think and go about managing their money to avoid that, to build generational wealth, to build legacy.

And so for me, I ended up taking those small steps as a young athlete at Michigan State.

And although my playing career didn't go how I wanted it to go, I was building the building blocks for success later on down the road.

Fast forward to today, and now we have one of the largest social media platforms that overlooked and that underdog athlete that didn't get that chance, but that still knows they have more purpose in them.

And so, Caleb, that's what we've been on a journey for doing for so long now.

When did the investing light bulb go off for you? Do you remember that moment where you were like, wait, this is how money is actually made, and what were your first steps?

Absolutely.