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Why Investing in Stocks Beats Buying a Home · Earn Your Leisure

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  Speaker 1: What the theory is that with the money that you
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  Speaker 1: would have put down on the house, the money that
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  Speaker 1: you would have put for maintenance on the house, the
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  Speaker 1: money that you would have put for taxes, that's going
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  Speaker 1: to investments. That's not saying that just live in an apartment,
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  Speaker 1: rent an apartment, and then you have money. And then
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  Speaker 1: you just want to just, you know, do whatever, go
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  Speaker 1: to Vegas and just, you know, put it on, on
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  Speaker 1: your favorite money line for the Rams.
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  Speaker 2: No, that's not responsible. So it, it, It very much
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  Speaker 2: so is a conversation.
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  Speaker 1: It's actually even probably more relevant to people that's not
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  Speaker 1: extremely rich because the money means more. The money, $ 100, 000
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  Speaker 1: to the average person is going to mean more than
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  Speaker 1: $ 5 million to bad money. Right?
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  Speaker 2: That's just a fact.
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  Speaker 1: So every dollar that you make, you got to make
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  Speaker 1: sure that you're making the right decision because you can't
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  Speaker 1: afford to make the wrong decision. Sometimes I'm like, you
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  Speaker 1: can afford to make the wrong decision and be like, yo, damn,
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  Speaker 1: a million dollars, whatever, I'm going to get that back.
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  Speaker 1: But no, you make the wrong decision sometimes in life.
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  Speaker 1: There is no coming back.
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  Speaker 2: There's no coming back. There's no coming back.
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  Speaker 3: And controversial take, but in terms of reward ratio and
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  Speaker 3: back to opportunity cost, you should not be putting more
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  Speaker 3: into a mortgage for a property that you don't fully
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  Speaker 3: own than you do into the market. When people give
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  Speaker 3: pushback on it, I'm a prime example of it. Regardless
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  Speaker 3: of whatever wealth, I stayed in a two bedroom condo six,
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  Speaker 3: seven years. I know people that have $ 7, 000 and $ 8, 000
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  Speaker 3: mortgages and will put $ 300 into the market. And they
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  Speaker 3: always tell me, damn, I should have did it your way.
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  Speaker 3: It does not make sense to be house rich and
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  Speaker 3: pocket poor.
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  Speaker 2: Makes no sense at all. It looks glamorous.
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  Speaker 3: But when I get to moving around and you see me,
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  Speaker 3: Troy and Rashad, we just look stressed, free and all that.
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  Speaker 3: That's from good decision making. Even my friends be like, yo,
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  Speaker 3: you could have done it. Yes, I could have went
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  Speaker 3: and bought that shit, but shout out to Xander.
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  Speaker 2: I love you dearly. Go to bed soon.
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  Speaker 3: It feels better to have his college paid for at
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  Speaker 3: six years old and.
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  Speaker 2: He's 10 now.
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  Speaker 3: And if I want to take off three years of work,
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  Speaker 3: I can do so because I put the money into the.
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  Speaker 2: Market to work for me. That's a fact. Put that
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  Speaker 2: money away. If my family needs anything, it ain't a question.
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  Speaker 2: Go ahead.
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  Speaker 3: I don't care what it is. My dad won a
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  Speaker 3: pterodactyl for next and best fast.
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  Speaker 2: Attached to a rope.
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  Speaker 3: Whatever got you.
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  Speaker 2: Got you. Pick your struggle, though.
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  Speaker 3: You have to either sacrifice being wealthy later or balling now.
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  Speaker 2: All the ballers who spend the money, they end up
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  Speaker 2: losing that shit. It's not worth it. That's a guarantee.
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  Speaker 2: That's what I said.
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  Speaker 4: You're not going to be able to. And this is
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  Speaker 4: coming from a person that was nine to five. You're
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  Speaker 4: not going to be able to work your way to wealth.
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  Speaker 4: It's just not possible. It don't matter how.
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  Speaker 2: Many jobs you got.
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  Speaker 4: You're not going to be able to work your way
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  Speaker 4: to wealth. You have to invest. I mean, that is
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  Speaker 4: the message that I'm sending to every student, every young adult,
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  Speaker 4: every adult. Listen to this man speak about how important
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  Speaker 4: investing is to now and the future, especially in the
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  Speaker 4: terms of AI and the job replacement and.
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  Speaker 2: The efficiency that is about to happen.
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  Speaker 4: There was just a study, a Harvard study that said 13%
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  Speaker 4: of college graduates can't find.
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  Speaker 2: A job because it's been replaced. That's 2025. That number
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  Speaker 2: is only going to increase.
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  Speaker 4: You have to figure out alternative ways to make money legally,
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  Speaker 4: and investing is at the paramount of that.
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  Speaker 2: So you have to have your money to make money.
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  Speaker 2: I don't care how much money you have. It has
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  Speaker 2: to go make money. Okay.
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  Speaker 1: Okay. Let's cause some internet nonsense reaction videos. Investing in
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  Speaker 1: stocks is a better investment than investing in real estate.
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  Speaker 2: A thousand percent. Combination. If you can do both, great.
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  Speaker 2: Warren Buffett said it. And lived it.
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  Speaker 1: If you have a million dollars, you invested in stocks, 95%
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  Speaker 1: of the time, you're going to make more money than
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  Speaker 1: if you invested in real estate.
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  Speaker 3: Especially if you listen to me. If I made you money,
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  Speaker 3: please put yes in chat. Listen, and think about this.
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  Speaker 3: If you're black and brown, listen, I'm trying to speak
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  Speaker 3: this up real loud. For the first time in history,
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  Speaker 3: you have the greatest entrepreneurs on the face of the
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  Speaker 3: earth who are white telling black and brown people, yo,
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  Speaker 3: you got to invest.
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  Speaker 2: Before, they didn't even want to have a seat at
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  Speaker 2: the table. Now it's like, no, pull up.
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  Speaker 3: Here, have some water. Vlad, Sam Altman, fucking Jeff Bezos.
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  Speaker 3: Everybody at scale is on TV every week saying, if
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  Speaker 3: you don't invest, I don't know what the economy is
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  Speaker 3: going to look like. They're saying AI right now is
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  Speaker 3: responsible for 13% of layoffs and could be 26% by 2027.
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  Speaker 3: Magic just told you, you've got three years.
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  Speaker 2: You've got three. We've been telling you. You've got three years, bro.
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  Speaker 3: So if he's telling you three, that's to adjust for
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  Speaker 3: the median. The real 17 months.
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  Speaker 4: And here's the reality. The things that we see And
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  Speaker 4: we have privy to get information about.
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  Speaker 2: We can't say it all. But, like, yo, I'm telling you.
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  Speaker 3: The United States government bought a percentage into Intel and
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  Speaker 3: said last week they may.
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  Speaker 2: Do it with Palantir. Yeah. Amongst other companies. That's fucking scary.
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  Speaker 2: Amongst other companies as well. Bro, like.
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  Speaker 4: And you own it. That's the crazy part. Like, you
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  Speaker 4: are the people that they talk about in that 10%. Like,
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  Speaker 4: that's your money. So, if they're doing it.
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  Speaker 2: Hello?
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  Speaker 1: Mm-hmm.
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  Speaker 2: And not hiding it.
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  Speaker 1: So just be mindful. Like I said, investing in real
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  Speaker 1: estate definitely can be helpful and beneficial. I personally have
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  Speaker 1: invested in real estate. I believe in real estate. I
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  Speaker 1: just think that a lot of times people make bad
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  Speaker 1: decisions when it comes to real estate. Buy homes that
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  Speaker 1: you can afford. Don't overextend yourself. Understand that a mortgage
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  Speaker 1: benefits the bank more than anybody else. Understand opportunity costs
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  Speaker 1: can't come back once it's gone.
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  Speaker 2: And just... Think.
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  Speaker 1: That's the point. The matrix try to make you not think.
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  Speaker 1: Everybody just want to do the same thing. If you're
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  Speaker 1: a free thinker, then you're labeled as somebody that's a
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  Speaker 1: misfit or a destructionist. Just think. Every shoe doesn't fit
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  Speaker 1: every single foot. Never feel ashamed because of society's standard
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  Speaker 1: is telling you to do something. Your goal is to
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  Speaker 1: get to what your number is. If your number's a million,
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  Speaker 1: that's your number. 5 million, 10... However you do it,
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  Speaker 1: I don't care how.
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  Speaker 2: You do it. You can live in a one-bedroom apartment.
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  Speaker 2: If you get to 10 million, you won. Hello.
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  Speaker 1: Hello.
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  Speaker 3: And then, for those of you who have money, the
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  Speaker 3: battle between should I get a large house to celebrate
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  Speaker 3: or a modest house, whichever one allows you the most
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  Speaker 3: freedom where your money is not stretched too thin.
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  Speaker 2: Be strategic. Be organized.
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  Speaker 4: Be.
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  Speaker 2: At all times. At all times.