Netflix Reunion with Frank—Where Are They Now?

Before we get started, I wanted to remind you that I am hosting a live Q and A tonight answering any questions you've got about my Netflix show, How to Get Rich. So here's what you need to do if you want to ask me anything about how did we find the people that we cast on the show? Or was I surprised by any specific moments in the show? Or how did I handle some of the stuff that happened? First off, watch the entire show. Go through all eight episodes. I don't want any spoilers for you on this Q and A because it's live tonight. Second, use the link in the show notes below and you can ask any question you've got. I will try to answer as many as I possibly can and finally come back tonight to my YouTube channel. And we're going to be going live at 6:30pm Eastern where I answer everything you've got about my Netflix show, How to Get Rich. Thanks and I'll see you tonight.

Open that one up.

This a ticket.

Why you get so many tickets?

See, $50.

We know that's not paid.

Yeah.

Poster fee for $105. Amount due. $100amount past due. Okay, read that out loud for the camera please.

Oh, second delinquent, violation notice.

Second delinquent. Do not put it back in there. What? What you want me to do with it?

I want you to pay it.

After carefully reviewing your application, we regret we are unable to approve the terms of your credit request.

What is this?

Oh, I had tried to get a new car.

Not anymore. You've been pre qualified for a secured. Hold on now.

Just deposit or cash this $200.

Oh, wait, hold on now.

They're giving you this check to trap you. Tear it in half for me.

I don't know. I don't know, but I feel like we're making a mess.

Frank, this stuff is stressing me out, man.

Oh, you did it.

I don't want your financial life to be chaos.

Many of them.

Let's just do it. We could knock this out in five minutes.

Give me the damn paper, boy.

Here we go.

I want Frank to start taking decisive action over these little bills so we can focus on the big stuff. The $200,000 in debt, the rich life.

All this money coming in.

We cannot let these envelopes get in our way.

Today you're going to hear my follow.

Up with Frank from my Netflix show, How to Get Rich. So if you haven't already first finished the entire series, go do that right now. This is my one and only spoiler alert. Now Frank left his job as a full time social worker to become a full time social media influencer. Let's find out how he's doing a year after the show was filmed. And as a quick reminder, you can listen to this on any podcast platform and you can watch on YouTube. So you can see Frank's I eye contact and body language, which is quite revealing in today's conversation. Let's get into it.

Break.

Don't feel me.

How you doing? I'm good, but I can barely hear you.

Oh, I knew it.

Oh, this is not good. Can you get headphones that are plugged in?

So I'm supposed to be. Hold on. Is one of my AirPods. May not be. Isn't that a music in the background?

No, I can. I can't hear the music, but I just can't hear you hardly at all. It's really muffled. Let's do it when we can get this right. Get home, do your thing. Let's reschedule it for that sometime. Yeah, I know, but we got to do it tight. So will you be flexible with my team so we can get you on the calendar?

Huh? When do you think? When do you think you're going to want it? This. When do you think we got to do it this week?

Soon? If not. Yeah, I don't know. I'll leave it to them, but soon.

Okay. Yeah, okay. All right.

All right, well, we'll get back in touch and then I do want to connect. I mean, I obviously want to know everything about what's going on. I'm excited to hear it, but let's save it.

So we're rolling.

You know, Frank didn't really come prepared to talk. He was sitting in the back of a noisy cafe. So I suggested that we wait until he was in a better situation so we could hear each other. As you listen today, I want you to notice how that presentation, that lack of preparation, was indicative of some of the ways that Frank treats his money. Let's go on to the next conversation we had where he was in a quieter place.

Yes. Frank, how you doing?

Great. How are you?

Oh, you look great and you sound great. Thank you.

Oh, great. Thanks.

This is so awesome. I've been following you on Social since we talked last, and I have so much to catch up on.

Yes, you do.

So the last time we talked in person was in your garage and we had had a long day filming. And I mean, it was great. I always have a great time talking to you. We chatted a little bit here and there, but I Want to know just overall, how are things going? Tell me the good, tell me the bad, tell me everything.

Oh, well, I don't know if, you know, I end up quitting my job.

Yeah, I remember. So you went full time as an influencer?

Yes, I've worked with some amazing brands. Panera bread, McDonald's. I went to New York on Wednesday because they wanted me to film, they wanted me to do a review on a new show that was coming out. So getting paid to do stuff like that is kind of like, wait, you want me to just come to New York and just do a review and you're gonna pay me for it? So it's amazing. I need to. Basically, after this show comes out, I think we have to do what we did again because I am in a totally different financial situation than I was in. But I feel like trying to reapply to this new lifestyle as an entrepreneur has been hard as h e double hockey stick. Going from getting paid every week to not getting paid every week, not getting paid every month, not getting paid every three months sometimes has kicked my ass, if I can say ass.

Wow. Yeah, you can say anything you want.

Yeah, it's been rough. Like so rough that I was about to call you and be like, ramit, I need you to tell me that entrepreneurship, it, like, it's okay like what you're going through. Because I don't have, I don't have a lot of friends that are in that space where, you know, I could get a perfect example. I got paid, I'm gonna get paid $4,000 from what I did just to go to New York.

Okay.

I won't see that money for 60 days though.

Ah, yeah.

And then you gotta, you gotta hold.

Taxes back and all that stuff. Yep. Well, listen, first of all, you can call me anytime, right? Hit me up anytime, any questions you have. Anything, doesn't matter. Being an entrepreneur for the first time, especially if you don't have people around you, it's like you feel up one day, you feel super down another day, and you're not even sure if that's normal.

Yeah, yeah, it's been, it's been rough.

Let's talk about the numbers for a second. So back then you had a full time job and you were doing some influencer work on the side.

I was making like six. 6,000 probably, I think around 6,000amonth.

6,000Amonth. That was your salary. And then you had some extra on top once in a while. Okay, so you went from 6,000 consistently to zero when you first went Full time as an influencer. What was happening with the money back then?

When I decided to quit, I had a deal with McDonald's that was a five figure deal.

Nice.

And I was like, okay, this is. This is. This is my sign. Like, I can do this. Like, I'm about to quit. That was an $11,000 deal.

Cool.

That was my first big deal like that. And I was like, okay, like, I'm getting $11,000. Like, you know me. I went out to party.

Hold on. How are your friends doing? The ones from brunch? God, I love that. That was amazing.

They're great.

Yeah.

They're like, oh, it must be nice to not. They're still working, so they just. They think my job now is just, oh, must be nice.

And I'm just like, yeah, Frank's gallivanting around to New York. Frank's getting a check from McDonald's. Okay. Yeah.

So.

All right. So you went out, partied a little bit. I get it. And what happened to that 11k?

Oh, it went down how fast? Fast. Yeah, I've seen a lot of money come in and go out fast. I think what I'm. What I. What I started noticing it may be October. I think I went from like September to. No, probably like August to November with no deals. Ooh.

When did you start getting worried?

If you. If I'm being quite honest, I'm still worried today. If I'm being very honest with you. Keep in mind, now, bills don't stop. So things are still. My life is still moving. I'm still. My rent is still coming out every month. So what's happening now is I went through the deals that I did have. I've spent that money on bills, I paid down some debt, and now I'm pulling out of my savings to live. So I think November, end of November, after I went through probably like the lowest point of my life where I didn't want to get out of bed because I was like, you literally quit your job to do this and this is not working out for you? For about a week. I was. I did not get. I did not want to get out of bed. I didn't want to get out of bed at all. Like, I was literally like, you have made the dumbest decision of your life.

You know, Frank already had a spending problem, which he openly admitted. But now that he's a full time entrepreneur, he has to have a lot of skills that are not commonly talked about. And this is true. Whenever you go to a different phase of life, it can be moving into a house. It can be having children or getting a new job. You've got to develop new skills to handle the situation that you are now in. As an entrepreneur, he might have a $20,000 month and then he might go three months without making any, any income at all. As an entrepreneur, you've got to know how to spread your income out over these different months where your income might go up and down. Like I said, very few talk about this, but very few of us actually want to hear this either. If you're going to become an entrepreneur, probably the last thing you're thinking of is how do I manage my sporadic income. Most people just simply see something they want and they go after it without thinking, thinking about planning. But I like to plan. I like to plan for what can go right and also what can go wrong. So an $11,000 deal like Frank is mentioning seems like a lot of money, but when you put it in the context of being an entrepreneur, it's actually not that much. Listen, as Frank talks more about his new business, I get a lot of questions from people who have used my book. They've automated their finances, they've set their investments up, they go, alright, I did the basics. What's next? And when you've made a lot of money, you'll notice that there's not a lot of advice specifically for you. The blog posts that are typically focused around people who are just starting off or even people in debt do not really apply to you anymore. And it can also be embarrassing to ask. You can't really post about certain topics when you have money because your friends don't know how much you make and nobody really wants to hear about how do I take cooler vacations? Or what do you all do for tax optimization? Because the first response is oh, rich people problems. I don't like that phrase because rich people problems are problems. Nonetheless, how are you supposed to find someone you trust? Whether it's an accountant or a travel advisor, the usual advice that you find on Google doesn't really apply at a certain level. So if you've made a big jump in income or net worth and you wish you had a community of people who just get it, I want to introduce you to today's sponsor, Long Angle. The Long Angle community is composed of high net worth individuals with diverse backgrounds in technology, finance, medicine, real estate, law, manufacturing, sports media and more. I'm a member of this community. There are so many interesting members of the community and the majority of them are first generation wealth. They're young, highly successful individuals and they join the community to share knowledge and learn from each other, to get confidential, unbiased support, knowledge sharing and networking. And you can do it online through their digital platform as well as face to face connections at their Long Angle In Person events. Now members also have access to unique private market opportunities and and as I mentioned, I'm a member of Long Angle. I like it because it's vetted. Everyone on there has a certain amount of net worth and therefore they are asking relevant questions of the community. You're not going to get people on there giving the same old advice like hey, here's how you save money on celery. That's not the purpose of this community. Some of the topics that I've loved are multi generational family trips or questions like we want to travel for six months with our children. What do you all do for school? How do you make travel more seamless for children? I've seen topics I loved about concierge doctors, topics that no one is really talking about publicly. And on their online community there are groups for all different topics like education for kids events, even philanthropy and how to become more thoughtful about giving. There are literally thousands of conversations going on right now at Long Angle and I love it because it's a super high quality group and people are even starting to meet in person now. In order to join, members must show proof of at least $2.2 million in investable assets, liquid or illiquid. And a community organizer will hold a brief zoom call with every potential member to make sure it's a fit. Go to longangle.com to learn more. That's longangle a n g l e.com One of my money dials is generosity. For example, I love tipping big. I love buying gifts and experiences for my family. And recently I bought my parents a subscription To DeleteMe. This episode's sponsor, Delete Me is a subscription service that will remove your personal information that's being sold online. If you've ever googled your name, you'll notice tons of search results with your personal information being shared online. That's not okay. It's not okay for you.

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I gotta deal with Panera Bread. And it was for $8,000. And I was like, okay, I can. That, that's, that's, that's. That's helping me. Then I got a deal with John. I'm a giant ambassador now. The grocery store up here. So I got a deal with them. And I was like, okay, okay, that's $8,000. This is $7,000. That's the momentum that I need in my head. Like, okay, you know, it's coming in slow. I still ain't got that money.

Oh, really?

That was last year.

Whoa.

Why so slow?

So brands pay you. Those deals were. Because they're at the end of the year, calendar year, they're on a net 60. Okay. It's not a net 60 from when you sign the contract, when you shoot the content. It's from net 60 from whatever day they receive and process the invoice.

Whoa.

Now, one, I won't say the brand because it's podcast, but one of the brands, it's been past net 60. It's like net 80. And I still have not got my money. Wait, wait.

Are we about to put this brand on blast? Why not? We don't have any. We have no minders.

No, nobody.

It's just me and a few million people who are listening.

Yeah. So it was. I see the thing is, it's Never really the brand. It's usually the per. The people in the middle.

Okay, yeah, you're right, you're right, you're right. That's not.

You know what, I'll tell you offline, though. Okay?

I know you will, and I love that you are the voice of reason in this conversation. I'm like, tell me, Frank, who is it? And you're like, so in terms of paying your bills right now, are you still drawing from savings? Mm, okay, let's talk about that. Because when we were shooting, you had got that money from winning the Circle, so we talked a little bit about what to do with that. 75k. How much of that money is left?

20.

20K. All right, so it went from 75 to 20. And where did that money go?

My livelihood, bills? Uh, yeah, taking out of my savings. I literally take out of my savings to pay myself.

How much longer can you go?

Not. Not long. Yeah, not long. But see, the thing is, every time I'm almost like, okay, I'm going back to work, a deal falls out the sky. Like New York fell out the sky. $4,000 to somebody else's may not be a lot of money, but to somebody that. That's a lot of money. So, like, things are happening, but they're not happening how I thought they would. And I think that's what stresses me out the most because it's like every time, I swear, every time I go to my savings and I'm like, okay, I gotta take some out of my savings, I hear you in the back of my head and I be like, this is not what I'm supposed to be doing.

Listen, I'll send you one of my headshots going like this.

Literally, I need.

You want to stick it on there?

I need it. I'm going to put it on my wallpaper, on my phone.

Frank is what I call a believer.

He believes that success is just one deal away. And believers use phrases like it will all work out or the universe will provide. In Frank's case, he actually loves these 0% balance transfers. He loves the fact that he's got to go out and find another deal quickly, make sure he can cover his expenses. And sometimes people even love net 60 because it gives them a purpose. And that chaos, which to other people would be intolerable, is to them familiar. But in my opinion, it's hard to become successful if you are constantly hustling and hoping that success is right around the corner. Believers almost never take my advice about consistent saving and low cost long term investing. You Know why? Because it's simply too boring for them.

A lot of days, if I'm being quite honest, I feel like I'm moving backwards.

Well, hold on. So those bills that you were hiding from yourself on the wall, what happened to those?

I mean, I still. I'm sure I got a few up there. I need. I looked at my mail the other day and I was like, I need to open that mail. Every time I look at the mail.

I'm like, wait a minute, it's full again.

No, it's not full, but I literally have been storing things up. They're like, I know. I literally got a ticket two days ago, and I thought about you, Frank.

Those tickets. Is this a joke?

I'm gonna get me a bicycle.

Listen, I've seen the craziest financial situations on the planet. I've seen it all. Nothing phases me. But when I saw how many tickets you had, I said, is this for real? And the tickets, you know, was it 2016, 2000? It was years ago. I said, frank, is this for real?

Yeah. I feel like that scene is going to be so funny.

The look on my face, you know? Although everyone on the whole crew was dying because nobody knew it was just me. I spotted out of the corner of my eye. And then the minute I said, hey, Frank, what's all that stuff over there? You got real quiet.

I was like, what you doing now? Yeah, business. I talked to you about how I was. God told me to quit that job. So I haven't hit my year mark yet. I told myself I was gonna give myself a year, and if I didn't like it, I was gonna go back to work.

So you've been full time as an influencer for eight months. If you add up everything you've made.

So far, how much is it from being an influencer? Hmm. As of now, I probably would say I had to guess maybe between 35 and 45.

Okay, so over the course of a year, sounds like you're maybe making a little bit less than you used to make full time. Okay, what do you need that number to be in order for you to decide whether to stick with it or not?

What do I need it to be by the time July comes? Yeah, I think it would need. I would want it to be at least 75. 80. Okay.

Okay. Yeah, 80. Because now you're paying some extra taxes that you weren't paying when you were full time. So that's going to make the decision pretty easy, right? Yeah, it's like, if the number's here, I'M on a good trajectory, keep going. If not full time job and if you do a full time job, could you still keep doing some influencer work?

Yeah. Cause I think the jobs that I'm looking at now are influencer marketing jobs. So I would basically be in the same industry, working from home, remote, looking for other. Looking for people like me to work on projects for brands. So yeah, I think I'm really good at content creating. I'm really good in this space. But ideally I would, if I'm going back to a full time job that requires me to be on somebody else's time from 9 to 5, I want it to be something that at least I enjoy.

Yeah. Is it a money thing? Is it a feelings thing?

What is it for you right now? It's a feelings thing. I don't want to. I've been in a place where I was comfortable. I haven't been financially like wealthy, but I've been in a space where I was comfortable. And I find myself sometimes in this entrepreneur journey. I'm not like right now, I'm not comfortable. And I know that even the money that I have in my hands now, I've been in worse financial situations than what I am in now. But I don't want to go back there. And I know that I'm turning 30 in April. I don't want to be in a space where I don't feel that comfort. Yeah, life has already been hard enough for me. I can't, I can't make it harder for me than it has to be. I don't deserve that.

Yeah, I agree with you.

You know, a lot of people will, you know, try to be a content creator or things like that and not realize that this shit is hard.

Sometimes the most valuable thing you can do is know when to quit. I have this program called Earnable. It helps you find an idea and start a business on the side. And in that program we also talk about when to know if the idea is not going to work so you can quit. That's because one of the worst things you can do is go what's called sideways, just completely flat, not failing abruptly, not succeeding dramatically, but just every day you wake up and you have to just keep hustling. It sucks. And that's why it's important to know when something is working and when to quit. If you're interested, I'll add a link to the Earnable program, which also includes coaching from me.

What's up with your expenses? When we talked, you were living in a very inexpensive Apartment, which I said, do not move. You still live there? You do?

Yeah.

My man. Okay.

I told myself this was my deal. And when I did this, I said, ramit's gonna be proud of me for this. I said, if I'm going, I said, I'm either gonna quit my job and stay one more year in this place, or I'm gonna keep my job and then I will be able to move.

Okay?

So I didn't. I didn't move. I sacrificed my living. But I do have good news. Tell me so this. I have never heard of this happening, but I'm a manifestor, and everything I said in my head come. It happens. I literally told my friend one day, I said, I just create such great content that it will be so nice if an apartment complex will want me to create content for them and live for free. That's happening.

What?

Yes.

Wait, what? Explain this to me. I've never even heard of this.

Yeah. So apartment complex up here it is. They're tailoring to where people can live and create.

Okay.

So they have musicians coming in, they have a chef coming in, and they have a content creator coming in. And that content creator is me. Okay.

Very creative. All right. I like hearing the creativity. When does that start?

July.

Oh, okay. And let's talk about the going out expenses. So has anything changed in terms of going out?

Yeah, I don't go out as frequently. I don't go out. I used to go out three days in a weekend. I don't do that anymore. I try to limit my spending to, like, $200. Luckily, I. People know me and they always want to drink with me, so they buy drinks for me. So. Yeah, but I don't do. That's not a consistent thing. I'm not out every weekend anymore. I just. It doesn't make me happy anymore. And it's a different seeing that money coming out of your account when you giving it on alcohol and having a good time week after week after week, and your money isn't coming in like that. I was working. It was like, okay, like, I got money coming in in two weeks or whatever. But now it's like, no, you just spent $300 out on Sunday, and you ain't about to see $300 come into your account for maybe three months. Yeah, realistic. I can't live like that. So every single thing has to be accounted for. And every single thing, I have to be accountable for how I spend. So, you know, if I'm going out spending $300, can you reasonably do that? Right Now. And no, I can't. Not every weekend. Not maybe once or twice a month. Yeah. Because I'm gonna go out. But can I do it how I used to do it? No. Wow. That won't get me to the point where I want to be. I want to be wealthy.

You put yourself in a position where nobody's coming to save you. It's Frank or that's it.

Yeah.

That really forces you to get honest and it forces you to get creative.

This is an interesting point. Sometimes when you discover someone behaves peculiarly with money, you might discover that they have been enabled financially for decades. The most common example is someone who's had all their expenses covered by their spouse and they just don't know how to behave responsibly with money. I actually remember this interview with a famous actress who worked with a very famous actor. And they asked her, what was it like to work with him? And she said, well, what would you be like if no one had ever told you no for the last 50 years? What Frank will later admit is that he has been enabled in a variety of ways. He was given money as a child, not taught how to use it. When he won the Circle on Netflix, he was enabled by this huge infusion of cash. He will even later explain that he felt his job enabled him because it was money in and money out, never having to really look at the line items of what he was spending. But something really interesting is happening here. Because he is now an entrepreneur, he has to look at how his money is flowing. He has to track where he's spending his money, because if he doesn't track it, he doesn't have a job that's going to just pay him. He doesn't have more winnings coming from another TV show. He has to be in control. And in this way, a cloud has almost been lifted from his eyes, forcing him to get real about money. Incidentally, this is the only way you can get believers to change their behavior, and that is to pull the rug out from under them, because otherwise they continue to be enabled and unrealistic with money. At iwt, I'm all about teaching my listeners and students how to live their rich life, whatever that means to you. For me, a rich life is being able to invite my closest friends and family to a stunning resort in Mexico for my 40th birthday. It's having a personal trainer plan my workouts and my macros every week. And it's never having to get a spam call. Think about it. How many times a day are you Getting a call from an unknown number, or better yet, a text from XF345Z claiming there's a problem with your electric bill. I'm busy. I want my day to be efficient. I don't have time to deal with these spam calls. That's why I want to let you know about this episode's sponsor, Nommo Robo Max. Every single unwanted call is stopped dead in its tracks. Calls from people you know still get through just like normal. And for those unknown numbers that might be legit, like clients or delivery people, Nommorobo's call screener will jump in and let you know exactly who's calling and what they want. Then you get to decide if you want to take the call. It even protects against spam and scam text messages. And the people over at Nomorobo take your privacy very seriously. There's no ads, no tracking. The best part is it's affordable. You can protect your whole family for less than $7 per month. If you want to protect yourself and your family from phone scams, go to nomorobo.com ramit for a 14 day free trial. That's n-o m o r o b o.com ramit r a m I t.

Talk to me about your debt. What's the state of your debt?

Nothing much has changed. I think that the student loan debt is still there. Of course, she is sitting very unpretty. What is it now?

How much?

It's like 169, 175.

Is it growing?

No. I mean, no, because the thing, the, it's, it's on hold right now. So the interest hasn't started back, but when it does, I think it starts back soon. I'm gonna start making payments to it.

Okay.

Yeah, because I don't, I don't. If I'm paying on it, I don't want it to get bigger. I need it to stay where it is. So I want to pay something.

You need it to come down?

Yeah. So, yeah, that's that. I have about $9,000 left on my car, so I plan on paying that off really soon.

When's that going to be done?

I want to have it done by August. I really just want to get a contract and knock it out. Okay. Just because I don't. If I'm, if I go into it with the mindset that I won't be paying rent in July and I don't have a car note immediately after that, that's, that's a lot of money. That I'm saving every month. So I want to go ahead and knock that out. Credit card debt is not significant because I don't. That's another big thing. I learned this in this journey. I was doing so great with my credit cards because I was making a paycheck every two weeks.

Yes.

Nobody told me how difficult it is to pay off credit card debt when you don't get paid. Yeah.

And it goes up.

Yes. So that was a battle too, I think, in the right when I quit, I was used to. I had gotten used to, oh, I'm just gonna put it on my credit card, blah, blah, blah, and pay it off. But, man, I think I wanna say it was like around that time where the contracts weren't coming in, and I was like, okay, well, I'm just using my credit card so I get a contract. That was a terrible idea. So I learned quickly. So I'm working on paying one down. I think the balance is like, three. I think on all. I have, like, three cards. All of them are like $3,000 in total.

Got to get rid of those.

Hand that down.

Yeah.

And I'm. When I pay them down, I don't want to use them unless it's just for an emergency.

Good.

Because it's just if I don't have it, I don't have it. And I don't need to be borrowing it from somebody else if I don't already have it.

Notice the way he talks about paying off his car. He says, I really want to get a contract and knock that out. This is the episodic, transactional view of money. The idea that there's one deal right around the corner that's going to enable me to pay off my debt or. Or pay off my car or pay for that trip to Morocco or whatever. I would never talk about money this way. For me, if I had car note that I owed money on, I would say I'm paying $450 a month. I know the exact month and year it's gonna be paid off. Here's my interest rate, et cetera. It would be part of a system. There would be nothing left up to chance. This is a much more advanced way to look at money, where you make a plan, then you map it out and you automate it. If you want to do this for your money, you can use my book, I Will Teach youh to Be Rich, to set this up, and then get on with your life.

What are you most proud of? From our work together.

I'm proud that I learned that it's okay to talk about money, but now I'm very comfortable not only having those conversations with you, I have those conversations with my friends. We talk about money. I just had a very in depth conversation with a friend about money and I had to basically tell her that I was giving her advice about money now that I'm thinking about it. But yeah, I was just basically telling her, I was like, you know, the things that you're struggling to pay your rent, but she wants to come up here for my birthday. And I said those things. Don't. I understand you want to support me and you want to have a good time, but that may not be a good idea if you're struggling with your basic needs. And I think, you know, we're all, we're friends because we all go through some of the same challenges. And it never was a person to be like, oh, the old me. I would've been like, girl, fuck that rent and come on up here and have a good time. You can pay them rents when you get. But now it's like, no, like we're getting older. We have to really say what's important, what's vital, what do I need to do to make sure that I'm self sufficient. And that's not you coming up here when you're. You have some things at home you need to take care of.

So it's almost like you put on a new pair of lenses and you're looking at the same world in a totally different way.

Yeah.

When you signed up to do this show and when you heard that somebody was going to come knocking on your door and talk to you about money, what did you think this was going to be?

I'm not really going to learn a whole bunch and I'm not. I didn't think that you would really care to be that invested into my success. Well, I really think that, you know, you really want everybody you work with and everybody that reads your books and coming come across your content. You want everybody to, you know, experience a rich life. And I think we all can. So I think that was probably the biggest thing. I didn't think you were going to be really that invested. I thought you was just going to be like, okay, we filming a few scenes, like, here's the book, do what you got to do. We showing up to do this and bye. I definitely don't feel that way. I feel like you are definitely the person where it's like, like I said, you're in the back of my head all the time. Like, what will ramit do. Good.

I appreciate you saying that. And, you know, one of the reasons that I did this show and that sometimes I would get upset or I would get super happy. It was all over the place for me, too, is that I do get invested. I'm talking to you, meeting your friends, and hearing about your family situation. Of course I get invested. And so that's why I want you to know it's not just right now that we're talking, but you should text me DM me anytime. It means a lot for me.

Well, I will, because I got a little idea, and I think you're the only person that can help me.

Okay. All right. I remember that one of the reasons that I wanted to talk to you and that I was really excited to meet you was first I looked at your finances while I was sitting in la, and I remember going, this guy likes to have fun. You know, he likes to have a good time. And I like that. I like people who spend on the things they love. So I was like, I gotta meet Frank. That's all I knew about you, is your spending and your name. That's it. And then when we met, I was like, oh, okay. It's this kind of place. Got it. I get it. And your friends were awesome. And it actually taught me a lot about who you were to be able to see you in that dynamic with your friends.

Yeah.

I just think your story has been incredible, and I was just excited to get a chance to meet you because I know you said, I don't want to repeat this generational lesson that I've learned, and I want to change it. And I was excited to be able to help you do that.

Yeah, you did. I think the biggest thing that I've learned in all of this is that you will always find yourself in having issues with your finances if you don't change the way you think all the way around. Like, even how you spend, how you negotiate what you do with your money. If I get, you know, how I'm investing my money, I think I'm growing. I'm getting to that point now where it's like, okay, it's been. It's been like eight months, and you're not perfect at it, but you're waking up every day now. You're figuring it out, and that's all I can do. Becoming more knowledgeable about just what I want to feel and what I deserve to feel.

The way I look at it is you've put yourself under a lot of pressure, and I actually don't see that as a bad thing. I think that in the past, you had money coming in and it allowed you to make some decisions that were not serving you. You're now under a lot of pressure.

You've got, like, heat coming at you from every direction.

And for me, I think that's a.

Beautiful thing because it forces away all.

These layers of stuff you didn't need. And underneath, right at the center, is this beautiful diamond. And you're looking for that. That is the true you. And that diamond might look a certain way, it might do a certain thing. You don't know. But those pressures are making you change so that we can reveal who you really are.

I agree. I agree. I feel as if I am the closest to the person I'm supposed to be. Wow. I'm not there yet, But I feel, even despite what I've went through in these past eight months, I feel that all of it was necessary. I'm almost there. I feel like I'm on a journey, and I'm through most of the darkness and the sun is about to come up. Really, really.

Frank, it is so great to see you. We had so much fun together, and I want to keep the conversation going. So anytime, reach out, I'm going to be watching. You know, I watch all your social. I love it, and I'm so excited for this show to come out and for everyone to see your story.

So this is your first time on TV like this? Yeah. Wow. It's going to be crazy. You're going to.

Well, I got to get some advice from you.

When I tell you it's crazy.

Tell me, what do I need to expect?

I think a huge amount of gratitude is the biggest thing I would say. Just, you know, I'm not sure where your path lies or where you thought you would be in the world, but to know that just your. Your voice, and especially for you, like, your knowledge of what you put so much time into is worth being on a national network for forever. So you'll always have that. I think it's just. It's so amazing. I mean, even for me, like, doing this a second time, just getting an opportunity like this, it's crazy because TV is big and not a lot of people get on tv and it means a lot. So I. I say take all of it in.

Wow. I. I really appreciate that. I have asked a few people who are. Have experience with this what to expect, and nobody has quite said gratitude. And it actually feels really good to hear you say that. Yeah, I am thankful and I'm glad you shared that with me. That was a lot of fun. I want to share a few lessons that I took away from my conversation. Catch up with Frank just now. First, he's talking about money in a much savvier way than when we first met. He himself admitted that when he had a job, he was just seeing money come in and he wasn't really thinking about where it went out. Now he's a lot more conscious about.

How much he's got left, so that's a good thing.

He's more comfortable saying no to five.