Why Investing in Stocks Beats Buying a Home

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0:58We'll be right back. too smart to pay dumb. Free app-based talk and text via the TextNow app requires Wi-Fi or data connection. Data plans sold separately. 5G where available. Earners, what's up? Look, on Earn Your Leisure, we're all about smart money moves. And here's one that most people skip. Car insurance renews on autopilot, the rates creep up, and nobody tells you. That's what Insurify fixes. In about two minutes, completely free, you can see rates from more than 120 top insurance companies. And if there's nothing better today, they keep watching and notify you when there's a better rate.

1:31So go to Insurify.com. That's I-N-S-U-R-I-F-Y.com. Insurify.com. Earners, what's up? Look, building wealth isn't just about making money. It's about knowing where your money is working for you. That's why we partnered with Empower. Empower is all about helping you invest well so you can go out and live a little. Their free Empower personal dashboard gives you a complete view of your financial life in one place. Track your net worth, monitor your budget, analyze your investments, set retirement goals, and more. You've worked hard for your money. Now make sure it's working hard for you. Download the Empower personal dashboard or visit Empower.com.

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2:53Loved by high-growth startups like Granola, Modal, and Etched, Adio runs the work behind everyone. That's Adio, the agentic CRM, the intelligent system that never sleeps. Picks up leads at 2 a.m., catches renewals before they slip. Hands you the answer before you ask. Try Adio free at adio.com slash iHeart. That's adio.com slash iHeart.

3:18What the theory is that with the money that you would have put down on the house, the money that you would have put for maintenance on the house, the money that you would have put for taxes, that's going to investments. That's not saying that just live in an apartment, rent an apartment, and then you have money and then you just want to just do whatever, go to Vegas and just put it on your favorite money line for the Rams. No, that's not responsible. So it very much so is a conversation. It's actually even probably more relevant to people that's not extremely rich because the money means more.

3:55The money, $100 ,000 to the average person is going to mean more than$5 million to bad money. Right? That's just a fact. So every dollar that you make, you got to make sure that you're making the right decision because you can't afford to make the wrong decision. Sometimes in life, you can afford to make the wrong decision and be like, yo, damn, I die a million dollars, whatever. I'm going to get that back. But no, you make the wrong decision sometimes in life. there's no coming back there's no coming back it's not coming back and controversial take but in terms of reward ratio and back to opportunity cost you should not be putting more into a mortgage for a property that you don't fully own that you do into the market when people give pushback on it i'm a prime example of it regardless of whatever wealth i stayed in a two-bedroom condo six seven years i know people that have seven and eight thousand dollar mortgages and will put three hundred dollars into the market and they always tell me damn i should have did it your way it does not make sense to be house rich and pocket poor makes no sense at all it looks glamorous but when i get to moving around and you see me troy and rashai we just look stressed through free and all that.

5:13That's from good decision making. Even my friends be like, yo, you could have done. Yes, I could have went and bought that shit, but shout out to Xander. I love you, D. Aliko. Go to bed. It feels better to have his college paid for at six years old and he's 10 now. And if I want to take off three years of work, I can do so. Because I put the money into the market to work for me. That's a fact. Put that money away. If my family needs anything, it ain't a question. Go ahead. i don't care what it is my dad want a pterodactyl for next invest fast with attached to whatever you got you got you pick your struggle though do you have to pick yours you have to either sacrifice being wealthy later or balling now all the ballers who spend the money they end up losing that it's not worth it that's a guarantee that's why i said you're not going to be able to and this is coming from a person that was nine to five you're not going to be able to work your way to wealth it's It's just not, it's just not, can't do anything possible.

6:13It don't matter how many jobs you got, you're not going to be able to work your way to wealth. You have to invest. It's, I mean, that is the message that I'm sending to every student, every young adult, every adult. Listen to this man speak about how important investing is to now and the future, especially in the, in the terms of AI and the job replacement and the efficiency that is about to happen. Right. There was just a study, Harvard study, said 13 of college graduates can't find a job because it's been replaced wider that's 2025 that number is only going to increase you have to figure out alternative ways to make money legally and investing is at the paramount of that so you have to have your money make money i don't care how much money you have it has to make money and and and here's and this is it okay let's let's let's cause some internet nonsense reaction videos.

7:10Investing in stocks is a better investment than investing in real estate. Well, a thousand percent. Combination, if you can do both, great. If you have to pay more, highest return. Warren Buffett said it. And lived it. If you have a million dollars, you invested in stocks, 95 % of the time, you're gonna make more money than if you invested in real estate. Especially if you listen to me, if I made you money please put yes in chat

7:39listen and think about this if you're black and brown listen I'm trying to speak up real loud for the first time in history you have the greatest entrepreneurs on the face of the earth who are white telling black and brown people yo you gotta invest before they didn't even want to have a seat at the table now it's like no pull up here have some have some water Vlad Sam Altman Jeff Bezos everybody at scale is on tv every week saying if you don't invest i don't know what the economy's going to look like they're saying ai right now is responsible for 13 of layoffs and could be 26 by 2027 that's not magic just told you you got three years you got three we've been telling years bro so if he telling you three that's to adjust for the median the real 17 months and here's the reality the things that we see and we have privy to get information about we can't say at all but like yo I'm telling you like the United States government bought a percentage into Intel and said last week they may do a Palantir yeah amongst other companies as well bro like and you only that's the crazy part like you are the people that they talk about in that 10 % like that's your money So if they're doing it, hello?

9:04And not hiding it. So just be mindful. Like I said, investing in real estate definitely can be helpful and beneficial. I personally have invested in real estate. I believe in real estate. I just think that a lot of times people make bad decisions when it comes to real estate. Buy homes that you can afford. Don't overextend yourself. Understand that a mortgage benefits the bank more than anybody else. Understand that opportunity costs can't come back once it's gone. and just think. That's the point. The Matrix try to make you not think. Everybody just want to do the same thing. If you're a free thinker, then you're labeled as somebody that's a misfit or a destructionist.

9:43Just think. Every shoe doesn't fit every single foot. Never feel ashamed because a society's standard is telling you to do something. Your goal is to get to what your number is. If your number's a million, that's your number. it five million ten however you do it i don't care how you do it you can live in a one bedroom apartment if you if you get to 10 million you won hello and then for those of you who have money the battle between should i get a large house to celebrate or a modest house which everyone allows you the most freedom where your money is not stretched too thin and be strategic be organized B.

10:24At all times.

10:52users worldwide already using chat GPT for work. Download the chat GPT desktop app or contact sales to learn more. Ernest, what's up? Look, on Ernie Leisure, we're all about smart money moves. And here's one that most people skip. Car insurance renews on autopilot, the rates creep up and nobody tells you. That's what Insurify fixes. In about two minutes, completely free, you can see rates from more than 120 top insurance companies. And if there's nothing better today, they keep watching and notify you when there's a better rate. So go to Insurify.com. That's I-N-S-U-R-I-F-Y.com. Insurify.com. You already know how AI is changing how everyday work gets done, how much ground you can cover, and how fast a team can scale.

11:37To stay ahead, you need the tools that give you a competitive advantage built for this new era. Welcome to Agentic Revenue. Adio is the CRM for this world. It meets you where you work, compounds every customer signal into context, then acts on it across your pipeline to let you move it on match speed and scale. With agents and automations for every job in revenue, Adio orchestrates your work around the clock. Built to handle the scale of your workloads, extensible with API and MCP, and with the infrastructure to keep up with your most ambitious agents. Loved by high-growth startups like Granola, Modal, and Etched, Adio runs the work behind every win.

12:13That's Adio, the agentic CRM, the intelligent system that never sleeps. Picks up leads at 2 a.m. Catches renewals before they slip. Hands you the answer before you ask. Try Adio free at adio.com slash iHeart. That's adio.com slash iHeart.

12:33Whether you're buying, renting, or selling, Zillow can help make your someday today to help find a home that fits where you are in life or that apartment that's a little closer to where you want to be. Zillow has the right information, tools, and support to help turn your future home into a reality. Because someday starts today. Visit zillow.com slash today to get started. Wait, I came in for two things. How is this$47? All right, we're going to need a plan here. Just start simple with Bank of America Advantage Safe Balance Banking. No overdraft item fees, no monthly maintenance fee if you're under 25.

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