This Viewer Thinks I Have Ulterior Motives (You Be the Judge)

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today in the credit karma app. Alrighty folks, we have a hater in the audience. Somebody that thinks

I am doing what I'm doing for some ulterior motive. We're going to get into it to mark,

found the reply, which oh, by the way, I never see folks. If you don't know this by now,

I reply to every comment, but I do not get in conversations. I never see a reply to my reply.

Never see it. Never will. Don't care. But I still reply to every comment. So hopefully that helps.

What do you got? What's the hater saying now? Yeah, so these are the fun ones though.

The replies to the comments on your videos. But this one was from your daily financial news,

48 hour warning buckle up. And of course, Punicar gives his great insight. He comments talking

about investing during a recession. He talks about buying rentals. You say great insights.

This other individual now follows up saying, I respect what he's doing. And overall, his content

is very good, covering various topics with a macro economy. But let's call it what it is and not

dance around it. He's selling his business to get more and more people to sign up for his program

and exchange for a fee. It kind of goes on talking about school. But at the end, he says it also,

it would be great to hear about his losses and mistakes he made with his rental business versus

only highlighting how he wins. No one backed that thousand.

So a couple of things I've talked about my losses all the time. I wrote a book about it,

including the losses. So clearly a hater. Second, you couldn't be more wrong. I don't push a

course. I have one. I never talk about it. I have a school community, sure. But if you're going

to get upset at 67 pennies a day, I don't know what to tell you. But yeah, I mean, if I was really

interested in selling stuff, I wouldn't do it for 20 bucks a month. I'd do it for 39 or 49

or something like that. I'd talk about my course, which is the big money maker. At a whopping

$399, I'll tell you, it's crazy expensive. I'd sell that for $999. I'd run ads.

I think everybody that's in my audience that's seen more than a couple of videos realizes this

guy's just a hater. And if you argue with a fuel, a fool, nobody can tell the difference. So I

don't even need to reply to stupid things like that. My track record of eight years of producing

free content, three videos a day for eight years goes without saying. I'm not trying to get rich

doing this. Yes, I have something. Yes, if you want paint by numbers, I have something. Yes,

if you want the best community on the planet, I have something. But I produce three videos a day,

seven days a week, four free. So, you know, if you want to hate on that, go ahead. If I wanted to

make more money, I'd certainly do something else. Yeah, very true. And you even have a shirt,

right? Swinging a miss. Yeah, you talk about things and you're not always right. You're just sharing

your opinion. Um, yeah. I haven't ready. We didn't plan that. No, no, I haven't ready.

Uh, but you're one, the one video that probably got a lot of the comments on it was daily

financial news, 30% discount on investment properties. Um, this one individual, Chris Shardin,

comment wrong today is terrible time to buy. Wait 12 months for the foreclosures to increase.

Uh, again, um, I disagree. And I, I believe you want to be writing disrespectful offers all

the time. Do the work now. Uh, again, saying that foreclosures are going to rise in 12 months,

really doesn't mean anything. We've been hearing that for years. Uh, in fact, what I would tell you

to do is if you really want to get ahead of that is you don't wait for the foreclosure. You go

pre-foreclosure. You get up, you know, somebody like prop stream and you do NODs and you do the work

there. Uh, waiting for the actual foreclosure is frankly too late. Um, I would, I would be working

on pre-foreclosure. So, uh, again, these are just people that don't know what they're doing. They don't,

they, these people that say things like that, you, they think you got to pay list price.

And hopefully people have realized by now, if you pay list price in your mic community,

you probably made a mistake, right? I'm on, I want, I want to be aggressive. Most of us can only do one

deal a year. So let's get aggressive. So I don't know. I would also much rather deal with less

competition and more choice. And if you go, yeah, starting getting a lot of foreclosures, greedy

investors like me are going to come flying off the sideline and it won't be fun. Trust me, I've been

there. And one of your great audience that listens to your channel commented back, why don't you buy

today? And then also buy in 12 months. Oh, I love that for you. So also on that daily financial

news, uh, the 30% discount, uh, Smith fairly farm says, I love how protective you are of your

people over. I am just investing in my first rental property. Next month will be my first month's

rent it out. And I'm excited for that. I don't feel like being cropped on for that. So thanks.

Yeah, congratulations. First and foremost, doing the work, getting the first one. Remember that

feeling. Take a picture. Take a picture of it. That's one thing I wish I had. I wish I had a

picture of me at 30 standing in front of Norse Drive. Um, that's a, that's a treasured memory

that I wish I had. And I don't have that. So if you can get a picture of yourself standing in front

of it, you know, high over old you are and you'll look back at that in decades and, and remember it.

And yeah, I, um, I, I'm always interested in protecting my community, whether it's, you know,

new investors, whether it's somebody on the channel speaking, um, you know, you can throw hate

it. Me all you want. But if you want to throw hate at one of my guests, you're automatically blocked,

right? People come on my channel for free and, and don't need, don't deserve to be attacked. And

I won't, I won't tolerate things like that. I'm very defensive. But yeah. And lastly, you know,

getting wealthy is, uh, it's not for everybody because it takes work and sacrifice in a decade.

So I'm, I'm definitely going to protect people in that first five years, right? When it's really

slow and mistakes happen. Um, I just wanted to get as many people over that hump as I can. Uh,

and then they will help other people behind them. So yeah, I'm, I'm here for it.

Also on that daily financial news, uh, you brought up, uh, Brandon Turner who seemed to have posted

something on X that kind of got under your skin a little bit. Yeah, a little bit. Uh,

but just tune comments, uh, promise land is much greater than the graveyard. So he says,

thanks, Uber resonated a lot. Yeah. I mean, Brandon was talking like, if you only have, like,

I think he said between one and 10 properties, you're basically a loser.

And, or maybe it was one in 20, I think it was one in 20 here, you're a loser. And I'm like,

are you freaking kidding me? Like 90% of the world would be financially free if they had 10, 11.

So it's so disrespectful. Yes, I know he has thousands of units in a big name and he's

pushing his funds and all of that crap. But dude, just stop. Step back for a minute and realize,

be a positive good for the world and congratulate people who can get to four or seven or 12. Don't

crap on him. I think that is such, it's just Ick. It's just Ick when somebody like him tries to

make small people feel small. It's like, dude, be better than that. Dude, just be better than that.

That's that was not that post pissed me off, frankly. Yeah, everyone knows, you know, Brandon

Turner from bigger pockets and it was a very big platform is still doing very well. But this

individual comments on your daily financial news, Dr. Copper is crashing. This individual says,

I never understand why you don't have a Brazilian subscribers. I'm not even a landlord yet,

but you just give some of the absolute best financial news on all of YouTube. Wow. Wow. That's

that's high praise. That's a great compliment. I do strive to do that. Again, I'm producing

three videos a day for five or eight years now with the sole intention of help. I do try to

bring macro micro economics, my investing journey, mistakes, lessons. I try to tap my network for

amazing people. So more people can be inspired. And lastly, I have fun. I don't know if people

realize this, but this doesn't feel like work to me. I look forward to this every day. And it's a,

I enjoy every day. And I promise you this, if I stop enjoying it, I'll stop doing it.

And I just don't see that happening. It's a lot of fun for me, but that's a very nice, very nice

message. Thank you. You just also talked about too, like reaching out to your network,

you know, bringing people on your channel, on your video, private credit meltdown with Anna,

this individual comments, Anna Kelly is Zuber's most complete guest in terms of knowledge of macro

economics, stock and based and real estate investing, gold, silver hedging, etc. By far,

the best guest, Cody Davis is the best for interesting deals. So how have you put together this whole

kind of group of people that come on your channel? And even some we've seen kind of disappear a

little bit? Yeah. First off, that's that's one of the jobs that I hold close to my heart.

Lots of people get a chance to come on my channel, but very few people get invited back,

and even less people get weekly spots, because I'm basically, I see myself putting my reputation

on the line when I have people on, you know, certainly they're on every week or recurring guests.

And I'll never forget that, right? I'm, people have really come to appreciate what we put out

here. So it's on purpose. The one thing that I will say I focused on is I wanted diversity.

I didn't want a bunch of old white guys, right? Anna Kelly, Brian Adamsson for a long time,

Jason Pritchard, right? I want to, I'm trying to, I'm trying to paint, I want to paint the biggest

picture I can and use all the colors, because wealth doesn't care, right? I'm always afraid,

because even when I look at my stats on YouTube, I think it's like 88% men. And I think that's

horrific. I personally take that as a negative, that I only have 12% of females that watch my

channel. Why is that? It's just because of natural selection. So I've tried to go find folks like

Anna and Casey and Beth, so that we can get, you know, hopefully attract a wider audience,

because again, I believe everyone, especially women, right? That's why I love the ladies of

Orat that they've spun up in school, because I've seen my mother and my sister be financially

wrecked by horrible men. And, you know, I would love to see them stand on their own two feet. So,

you know, I, I, I really do take that as a, a negative that I only have 12% of females. So I try to,

I try to, you know, get a bigger picture. So that's, that's what I do. My jobs to find people

vet them, see if they resonate with the audience, see if we jive. And then, um, yeah, go from there.

Well, you seem to jive really well with one of your Nureguest Jason Hartman, who also was at the

the Orat event to one of the keynote speakers. But in his video, um, about the crash bro just brought

a body home, Brandon, uh, building love flow, who's also been on your channel a few times,

mentions a great content, what an insight I've never thought about. We can change the deal,

many different ways with this asset to make it better. Yeah, Jason Pritchard,

our Jason Pritchard, sorry, Jason Hartman's been doing this for so long. He has little gems

that I'm not even sure he knows how powerful they are. He's been using them for so long,

like changing the deal or changing the asset, right, financing type, all these things. Um,

I just love talking to him because he, he's been doing this longer than I have. I've been doing

it for 25 years. He's been doing it probably for 35 years. He runs a really big operation. And, um,

he's done things that I cannot even imagine doing. So the fact that he's willing to come on every

week now is, um, pretty, uh, every Monday, it's every Monday at 9 a.m. Um, it's a, it's a, uh,

I'm honored. Um, I'm just honored that he keeps coming back. So, and yes, he stayed at the event. He's

coming next year. So yeah, it's pretty, I'm speaking at his event. He has an event in May that I'm

going to SoCal to speak at. So it's, it's not not the cruise line he was talking about. No, I'm

already on a cruise that week with my family. I can't, I can't be on two ships. He definitely,

he definitely didn't like you saying though that there was no rate cuts for this year. Yeah,

he did not like that. Yes. That hurt. Uh, in your video with Brandon now, um, building well to one

run to at a time, uh, Punicard does say, Brandon made a lots of points I've made before, but Mike

stuck to his original message. I just chalked it up to Mike's thing, consistent with his, with the

message, with a message that is more relatable to most people so that they would take action.

Thought that may be true. It doesn't hold up with those who are experienced though.

Uh, I actually don't know which part of that video he's referring to, but I will admit that

there are times I stay on message because I don't, I'm not worried about the corner case,

right? You can very rarely have a message that hits everyone.

On my wealth building journey, on the talk of employers on, like all of that stuff,

I am definitely trying to cover the most people and I will certainly stay on message

because again, I'm thinking about the thousands of people that will watch the video. I don't need to

go to, you know, this little point which I obviously see, but I'm not here to help one person,

right? I'm trying to create content that helps thousands of people. So I'm not exactly sure what

Punicard is saying, but he's, you know, his intuition is, is really good and he's, when in doubt,

he's probably right. I've learned that Punicard is, you know, right 99%, maybe 98% of the time.

So he's probably right again, but to his point, I'm going to stay on message because I would rather

be consistent and, and say the same thing over and over again versus have a, have a branch which

just confuses people. Yeah, I think it was on that whole, if you're a small, if you're a business owner,

yeah. So, so on following up on that, your three amigos videos, the why you should not retire

early, this individual, Lewis 889 comments, I'm sorry. In what way are you retired? Sounds like

you just quit your day job, but manage rentals, podcasts, small businesses, and take care of your

kids. I mean, don't get me wrong. It sounds great to have flexibility, but you're still business owners

and have some work to do. I disagree with that entirely. You know, if you think retirement is

eating bond bonds and playing golf all the time, I can tell you I tried that and I got depressed.

Life is about being a contributor. I created this channel. I wrote my books, not thinking about

the money, but just to be a valuable contributor. In fact, one rental out of time, which is now a

best seller, I wrote it for free. I gave it away as a PDF. There's nobody read it, right? Which

is very irritating. It wasn't until it became a book that's 15 bucks and on Amazon, that it became

a best seller in, you know, 20,000 copies or whatever. Yeah, it's, I enjoy every day. This is fun

for me. This is not work. I would do everything I'm doing now for free, right? I talk for three hours

a day or three hours a day, five days a week, 15 hours. It's enough for me to feel like I'm leaving

the world a better place. And if you want to call that a job, boy, it's the best job on the planet,

but it's not a job. It's just not like, like, like, like, I'll be on a trip here in a few weeks

and people are going to be like, oh, it's over on vacation. Dude, I don't take vacations. I take

trips. When am I taking a vacation from? Right? I got three trips lined up in the next three months.

I take trips, not vacations. So again, you clearly don't understand, right? At 45 years old,

AAA personality, all the time and all the money in the world, what am I going to do?

Set around and look at the crazy view I have out my backyard. Nope. I got to do something.

So I disagree entirely. This is not a job. Not a job. Yeah, I think I, I think I shared a real

one time and it was a clip of our video. And I think it said vacation. And you, I replied back,

I don't take vacations, dude. Oh, sorry. That's like calling me lucky.

But like we said, there is a lot of information kind of doomed going around right now. But in your

daily financial news, Trump taco video, BC Christopher 227 zero says, I'll keep repeating

every day in these comments. Stop listening to the tumors and potentially driven nonsense.

This is an opportunity and it won't last long. Just like last January, when I said the same thing

in these comments, if you're here, just supposed to be able to figure this out.

Yeah, again, I think, you know, something I've learned over the last 30 years of doing this is in

the time of chaos. It's, it's the greatest opportunity. As much of my wealth has been built by

taking action. I mean, if you look at my track record, I have a very good history of doing the exact

opposite of what most people are doing. I agree with that sentiment, right? When most people's

egg, it's time to zag. When most people's egg, I zig. And it's worked out really, really well for me.

So yeah, I, I do my best to stay up to date with the spidey senses. And right now, everybody's

afraid. Redfin just put out an article. There's 680,000 more sellers than buyers. And you know what,

my reaction is good, right? More opportunities, less competition, more motivated sellers. So I

agree a thousand percent opportunity opportunity. This was a post from Gus in the school community.

And I think this one, this one caught my attention. But he said, why information overload is

killing your real estate growth? I've been thinking about this a lot lately. I've been very selective

about who I listen to in real estate, not because I think I know everything, but because I've seen

firsthand how the wrong voice can slow you down. Here's the truth. Most people won't say real estate

is hard. No doubt about it. Managing projects, tenants, financing, and time lines is not easy.

But the formula to succeed, that part is actually pretty straightforward. Gus is the man. It absolutely

is. I mean, the wealth formula is ridiculously simple. The wealth formulas work for hundreds,

if not thousands of years. And yeah, Gus is on the money. It's relatively easy. Lots of people,

you know, it's easy to be afraid. It's easy to be a doomer. And today, it's actually a profitable

business. We have doomers that have made so much money producing doom that they're buying homes.

How crazy is that? You build a community of 500,000 people. You talk about a housing crash

every day for five years, and then you buy a home. I mean, is that just not the evilest thing you've

ever heard of? That is wild to me that people have the soul to do that. I mean, that's like,

that's like, oh my god, it's like, I can't believe that. So, yeah, you definitely got to

protect who you're listening to. I agree with Gus a thousand percent. I don't want to give away

too much because this was on Dion's course call. So, I think it might be a private video, and I don't

know if I think it might be only in school. I think he's putting it on. I think he said he's putting

that on the one I was on. Yeah. He's putting that on YouTube. Oh, okay. Well, people may get to

here. It had some great questions. And I think there was two that really stood out to me. There was

one. The individual asks, they kind of hear you Dion and lumberjack, all kind of have your own

message a little bit. So, sometimes some individuals kind of get confused because that was one question.

The other question you can touch on after was how maybe you would do something different,

I think, right? Then what the other investor did, like Dion doesn't put that on it and you know,

things like that. Yeah. So, if you can touch on that a little bit. Yeah. You know, the three

amigos work because we really control the audience, right? And the audience for real estate are

really investing in any kind of three categories, right? There's the people in the parking lot

that are loud, obnoxious, and drunk. And that's where Dion wins, right? His ninja, his ability to

tell stories and just judo these people is his special gift. And they just piss me off. And,

you know, I want to punch him in the face. So, Dion is uniquely good at that. I'm the guy that's

like, okay, you're in the stands. You paid to be here. Let's do the work. Let's get focused. Let's

rinse and repeat. Let's be consistent. And then, of course, you've got the lumberjack who's on the

field actually playing the game, right? In the trenches, blocking, tackling, all of that. And, yes,

all three of us do all three things, but we're uniquely good at one of them. And that's one of the

reasons I think the three amigos work because we lit the other person control with they control,

not that we don't have opinions or history in the other areas, but we also know where we're

strong and where the others are stronger, right? The competitive advantage. So that really works.

But yeah, sometimes our messages are seemingly different. You know, Dion's the MLS guy. I'm MLS

plus, you know, building a network and Matt's doing these very creative deals. And so, yeah,

there's some of that. And I forget what was the second part? I kind of forget the question. It was,

was it, have you taken something away? Oh, yeah, yeah, yeah, yeah. Yeah. So, I think I talked about,

what was my example? Oh, so people talked about, hey, Zuber, you always talk about doing good or

great deals. And Dion talks about doing break-even deals. What gives? And I'm like, well, you know,

in my world, that came about because at some point in my career, I didn't do a great deal. And I

lost much. So I've learned these things because I have expensive scars and I'm not interested in

getting a second scar. And you know, Dion's method again, he lived in his properties, right? So he

was house hacking a lot of these. So kind of different rules for different games. But the problem that

came back was when would you invalidate one of your rules? And really, an example of that might be

what I do here in Vegas, right? I'm still talking to Lanar about buying a new construction property.

And it will certainly cash flow the day one, but it'll only cash flow because I'll probably be

putting 40% down. And when you simply do the math on that deal, it's not going to be a great deal.

It's going to probably be, gosh, one or two percent, three percent, something, something

disgustingly low. However, because of the financial situation I find myself in, I'll be able to do

some depreciation stuff, bonus depreciation, accelerated depreciation, and I'll be able to

write off something like $100,000 on my taxes, which means I will have a 50k benefit.

So if I actually extend my math to include the tax benefit, that 3% deal will turn into a 12 or

13% deal. So I might invalidate my rule to do that deal. But again, I don't have on my normal

spreadsheet, you know, tax savings, because I never was here. I had a job and couldn't do those

things before. But that's an example of, you know, changing the game as your life changes.

I like Dion's response also to how he was clarified. He's not that he doesn't do great deals,

there's other things that make it a great deal. But did you ever think you guys would be such great

friends because it was funny to hear Lumberjack go, I guess when him and Dion first met, it was like

that and my last guy, like, no, and so did you ever think you guys would be such great friends?

I mean, no. No. No, I mean, it's really funny. When I go back to my first interactions with each

of them individually, because we interacted, I like, I interacted with Dion and then Matt individually

for months. And I think it was Dion who actually said, hey, you guys talked about something,

let's try to do a, you know, let's be the three amigos, right? Let's hit this together.

And it really worked because we frankly disagreed, right? It made for more interesting conversation,

right? We saw things so differently. And I think what we came to understand after doing that for

probably a couple of months was we both did it with the right intention, right? We weren't,

we weren't doing it to be dicks. We were listening and being respectful. We weren't talking over

each other. And I think you, you learned a lot about somebody be a disagreement. So no, I had no idea.

Matt and I clicked from day one, right? Just two sales guys grinding, right? So we had a lot of

shared experience and we have the same vocabulary and, you know, OTE and, you know, all these other

things that sales guys talk about. But yeah, it's, it's really wild to think of how good friends we

are now. Yeah. Pretty crazy. Well, you guys, you guys formed a great team and like we kind of

touched on last week's video, like a basketball team, you know, it doesn't, it's not, it's not always

made of superstars. They kind of work. But, uh, Harrison trade better commented on that video and

says, I love the basketball metaphors. I would say, Zuber reminds me of Magic Johnson, the ability

to carry a team by himself, but chose to pass first and highlight his team because it was great

on and off the court business acumen. He has now the potential to build Las Vegas's first MBA team.

I saw that comment. That's probably the, that's one of the nicest thing anybody's ever said.

Because again, if you know Magic and I grew up watching Magic and Bird, Magic could run the team

all by himself, but he chose to, to be a facilitator. And, um, that's a, that is such a wonderful

compliment. If you know, if you're a basketball guy like I am, to be compared to, to, to magic,

because again, if you could get Cooper and, you know, all these other athletes to, to perform and

highlight them and just be as excited as you would be for yourself to get others. That's exactly

what I'm in. I, I'd love to see Deon win, Matt win, you win. Um, and I'm happy to sit on the

bench and cheer. That's what's best for the team. Um, I have no ego in this. It, it is about all

of us. So, uh, that's, that's one of the nicest things anybody's ever said.

All right. Well, that's all I know. We got to get a shirt that says Showtime or something.

Yeah, there we go. Man, I appreciate you. Where can people find you?

YouTube, ex, Instagram, financial firefighter. And of course, in school, come check it out in school.

There you go. Thanks again. Okay. President Barack Obama. Virginia, we are counting on you.

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