The Common MONEY TRAPS You Need To AVOID To Build Wealth

The Common MONEY TRAPS You Need To AVOID To Build Wealth | Ramit Sethi

Рет қаралды 245,843

Жыл бұрын

Click here to download your FREE guide to 100x YOUR EFFICIENCY IN 10 EASY STEPS: bit.ly/3F8qOJL
On Today's Episode:
There are lies about money that you believe to be true right now that are dictating so many aspects about the way you live and the relationships you have. When was the last time you stopped to think about your money beliefs?
If you’re like most people, chances are you’ve never given it so much as a thought and you’ve been working, earning, and managing (or mismanaging) money for years.
Ramit Sethi is a personal finance expert that’s been teaching millions of people how to be rich and live a rich life. In this conversation he doubles down on the need to understand money, and learn how to keep your investments simple. There is no room for your emotions when investing your money and building wealth, and it’s a truth most people need to hear several times.
Some basic money ideas you can take away from this episode with Ramit is that investing doesn’t have to be complicated and you don’t need to buy a house to build wealth. You can get wealthy with investing, but it’s going to take time.
Simplicity - simplify your investments and manage your risk
Check Out Ramit’s last interview on Impact Theory: • Everything You’ve Been...
Order Ramit Sethi’s book, I Will Teach You To Be Rich: amzn.to/2VmKbKk
QUOTES:
“The problem with money is that we’re told all these things and because we don’t really understand how it works we just accept it.” [1:02]
“By the time people turn forty the number one thing they’re worried about is money, and yet the vast majority of people have never read a single book on personal finance.” [2:15]
“If you want to become confident with money you have to be competent.” [2:56]
“What savvy investors do is they do not try to make individual bets. In their portfolio they just acknowledge, ‘I have no idea’…” [10:39]
“People’s thinking calcifies into dogma, and so they think they got it, they think they’ve got everything figured out.” [14:12] Tom Bilyeu
“There are a lot of simple ways that you can make a lot of money, it just takes time.” [28:52]
“Saving money is really important, but spending money is also important.” [59:55]
Follow Ramit Sethi:
Website: www.iwillteachyoutoberich.com/
Podcast: www.iwillteachyoutoberich.com...
Facebook: / iwt
Instagram: / ramit
Twitter: / ramit

Пікірлер: 279

@TomBilyeu Жыл бұрын

WARNING: I will never ask for your contact info in the comments section, that is someone impersonating me!

@Southcharlotteservices Жыл бұрын

One of your Best videos ever!!! On a side note what is this AZ44 Spam s***! Ban these addresses permanently if they are that desperate!!!!

@Southcharlotteservices Жыл бұрын

Make them earn the right to be here! The real ones will beg to come back and say they were hacked...lol Even then permanent channel probation!

@Southcharlotteservices Жыл бұрын

Charge them the $5 they made for reinstatement

@MeBikeandTheRoad Жыл бұрын

let him talk more Tom

@williemixco5717 Жыл бұрын

Thanks Tom I'll let him wait for my call👍

@Rochelletrem 11 ай бұрын

Thank you. Just what I needed to watch. My hubby and I are directors of our farm business and own property, plus small pensions. I am nearly 52, hubby is 55. We have started to save to retire from the farm, and possibly live on rental income, I'd really appreciate you go LIVE and talk about how to earn passive income online and retire comfortably, let’s say $1M.

@DavidRiggs-dc7jk 11 ай бұрын

consider financial planning.

@theresahv 11 ай бұрын

It really isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into financial advisors for a strategy that suits your timing.

@jeffery_Automotive 11 ай бұрын

I totally agree, I'm 60 and newly retired with about 1.2 million outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of the invt-advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.

@berkrix4312 11 ай бұрын

@@jeffery_Automotive Would it be okay if I asked you to recommend this specific advisor or company that you used their services? Seems you've figured it all out.

@jeffery_Automotive 11 ай бұрын

Finding financial advisors like Julie Anne Hoover who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

@tspencer661 10 ай бұрын

My daughter encourages me to spend money on myself. Yesterday, it was, “Mom, let’s get ice cream.” It’s also been, “Mom, let’s go get facials,…let’s go to a concert, …and let’s go to Mexico.” We’ve done it all. I guess I should thank her for encouraging me to spend money on quality time with her.😊

@alwaysbusy7230 Жыл бұрын

My portfolio has good companies, however it has been stalling this year. I’ve approximately $700k stagnant in my reserve that needs growth, any suggestions to grow my portfolio will be highly appreciated.

@isaiahsaldivar2379 Жыл бұрын

Find stocks with market-beating yields and shares that at least keep pace with the market for a long term. For a successful long-term strategy I recommend you seek the guidance a broker or financial advisor.

@hillaryflinch2334 Жыл бұрын

@@isaiahsaldivar2379 very true, I started investing before the pandemic and that same year I pulled a profit of about $600k with no prior investing experience, basically all I was doing was seeking guidance from a financial-advisorr, you can be passively involved with the aid of a professional.

@lathamwilfred1181 Жыл бұрын

@@hillaryflinch2334 How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

@hillaryflinch2334 Жыл бұрын

@@lathamwilfred1181 “Isabel Linda Dueri” is my portfolio-coach, I found her on Bloomberg where she was featured, I looked up her name on the internet. Fortunately I came across her site and reached out to her, you can verify her yourself.

@kathiewest5842 Жыл бұрын

@@hillaryflinch2334 Thank you for this amazing tip. I just looked the name up, wrote her explaining my financial market goals and scheduled a call

@nezisgarden Жыл бұрын

Most people or programs that teach about money want to profit way more than they should. Which is deceiving like Robinhood. I've been looking for speakers who I can trust to learn how to invest. Tom and Ramit's discussion is overwhelming because I have no idea about finance. However, I am very thankful they have been trying to point us in the right direction.

@laurieclarkson9180 Жыл бұрын

I love that Ramit brings up the word "Contributes" and how disillusioned people are when it comes to the things that can't be quantified. My husband may work 8 hrs, but in the house I would work 12,16, 36 hours. Anytime I save my husband money, it costs me time and effort. If he doesn't want to buy an $800 piece of furniture, that's fine, but then I have to find a $25 used piece and refinish it over a 3 month period, so who do you think paid more for that? I pay more in labor for almost everything. How much does the average gardener make? Maid? Cook? Nanny? Dog Walker/Groomer? Secretary? Add all of their salaries up for each hourly task..sadly..husband doesn't get it at all...reason why I plan to get the hell out of here.

@airtagoscar Жыл бұрын

Did you explain this to him like how you comment here? He may not see it and you should bring it to his attention. I think any husband would reflect on what you said and show much more of an appreciation.

@davidwoodside3268 Жыл бұрын

I have a solution for you, why don't you get a job and buy your own shit.

@stupidrules1000 Жыл бұрын

But also, you can't just add up all of their salaries. That is absurd. What you woulf do (at best) is average their salaries and then multiply them by the actual hours. But then you'd have to factor in how much better they are at their respective professions because they specialize, and then take a discount for that. I wonder how much appreciation you actually show your husband for what he contributes by working those 8 hours a day. And lets be real....you are NOT working the entire time you are at home. There is NOT 8 hours of work to do in a home every day, unless you already let the house go hell by not working on it for an extended period of time.

@suzanneemerson2625 11 ай бұрын

Congratulations on your decision! He doesn’t get it because he doesn’t want to. You are being used and disrespected. There are better people out there.

@michaelb.8953 9 ай бұрын

Laurieclarkson It seems you and your husband have different expectations which would indicate you have a lack of communication between the two of you. I get where you're husband is coming from that if you're home all day he doesn't just want you sitting home doing nothing while he's out working hard to earn money then he has to turn around and spend $800 on a piece of furniture so you can sit at home and do nothing some more. On the flip side of the coin you feel like he's taking advantage of you and treating you like a slave and looking at you as an investment instead of a human being. This is where the two of you need to communicate your expectations out and come to a compromise. I work 12 hours a day at my job 3 to 4 days so therefore I get 3 to 4 days off a week and my wife works 8 hours a day Monday through Friday so I have time off during the week. So on my days off I'm either throwing a wrench on my car, repairing something on the house, running the vacuum, mowing the lawn, doing a load of laundry, doing the dishes, or putting dinner on the grill in the backyard so she has a hot meal ready for her when she comes home. Conversely when I'm at work on the weekend she takes care of the laundry, dishes, or vacuuming, etc. The point I'm making is we communicate our expectations to each other and just get it done. Truth be told I do more around the house than my wife as that's okay simply because I have more days off. You two need to sit down and discuss your expectations. My two cents from a guy that's been married to the same woman for 30 years.

@andreydunin6712 Жыл бұрын

An amazingly valuable conversation between a realist and a dreamer. Thank you so much for this, much neeeded.

@randymilmeister-realtorprobate Жыл бұрын

thank you Tom & Ramit. i really appreciate your humility and transparency in breaking down investing, and the psychology behind how people think

@therealjohnnyb2151 Жыл бұрын

Ramit...man your fireside chats during covid were legendary!!! I kinda miss them to be honest. I love the money dials and have implemented them. I now drive a 2019 SUV instead of a $90,000 pickup. My house is going on the market this fall and moving to an apartment. But I love running...so I no longer look for the middle of the road kicks on sale. It's one of my dials...I get the good shoes I like. Double the cost, but it's part of my rich life. Thanks for the insights.

@TerryCollinsP31Lifestyle Жыл бұрын

I know how hard is to be right and how easy it is to be wrong That’s so good

@maimaivaj91 Жыл бұрын

Thanks for making my morning great!

@colinlaidlaw7661 Жыл бұрын

Real, raw and unfiltered. Business mogul meets Financial guru. Their best conversation to date.

@jeffc3455 Жыл бұрын

I would love to see Ramit Sethi have a livestream with Jaspreet Singh from Minority Mindset. Make it happen!

@Rr17user Жыл бұрын

This!

@anthonygraham3854 Жыл бұрын

Again, thanks Tom 🙏🏽

@felicisimomalinao1981 Жыл бұрын

Very instructive - much thanks Ramit [ my Mentor].

@zoebowrey267 10 ай бұрын

I love what Tom just said at about 45 mins ❤ Such a perfect perspective 💕✨

@lilamnbdh967 Жыл бұрын

Thank you so much Tom🙏

@kateoppenheimstachura2401 Жыл бұрын

Thanks Tom and Ramit! You both continue to share both valuable and thoughtful ideas. I really appreciate it you both.

@maxencemayanika7562 Жыл бұрын

This is the best wealth creation advice EVER EVER

@sofiaprintemps7116 7 ай бұрын

My two favorites delve into financial conversations with such clarity and ease. I wish to connect with a wealthy mentor who can guide me similarly.

@ravinderkhakharu2251 Жыл бұрын

Thank you for bringing ramit on your channel. Another really good episode. Keep it up tom ,you work really hard Keep going

@mikseljamaa1954 Жыл бұрын

when i noticed Ramit Sethi doing a summary i heard Tom Bilyeu correcting /clarifying him... i realised that a negotiation was going on... an interesting metalevel

@saraz4438 Жыл бұрын

So good episode! I felt hit. Overconfident, crypto and greed. Should only held to my index funds.

@annoravetz5908 7 ай бұрын

I look at my cousins: Both their parents went through college, have an advanced degree, very talented and smart. The public education system in their town was below-par. Most of the families were quietly wealthy, and professionals, and they sent their kids to nearby private schools. Therefore, my cousins mostly went into the military or skilled labor. All of them are intelligent and interesting and I love them, but I feel sorry they were shorted by their town’s schools at that point in time.

@rachelschwinghammer6916 Жыл бұрын

Really applicable, thank you

@wsdmrtst Жыл бұрын

Love it!

@kathleenpage8148 Жыл бұрын

Loved this 🎉thank you

@user-fyv9y79wv Жыл бұрын

love this. Thanks Tom. I wish someone created loans for strong ETFs, that didn't have a margin call. This is why property investment is seen more favourably in some circles.

@Scorch428 Жыл бұрын

bot?

@thelinchpinbunch Жыл бұрын

Love this interview.

@snicolas12 Жыл бұрын

What is a rich life ? Real questions by the way . Great interview amazing geamz. What is a real a rich life

@msdebbiecolbourn Жыл бұрын

Check out his book I Will Teach You to be Rich - and his podcast where he shares all about what Your Rich Life is, and how to create it, because it is different for every single person (and it's not a $#)

@TerryCollinsP31Lifestyle Жыл бұрын

That was a good share ❤

@noahmichael3779 Жыл бұрын

@elijustin9718 Жыл бұрын

There are a lot of strategies to make tongue wetting profits especially in a down market but such sophisticated trades can only be carried out by proper market experts.

@bakermorrison9463 Жыл бұрын

That’s true , I’ve been getting assisted by a FA for almost a year now , I started out less than $200k and I’m just $19,000 short of half a million in profits.

@bakermorrison9463 Жыл бұрын

*Magdalena* *Olivia* *Jones* is actually the one that guides me ,she's a highly-sought out advisor who I found on a CNBC interview where she was featured,you can look up her name on Google and reach out through her page.she understands the job perfectly.

@bakermorrison9463 Жыл бұрын

I'm originally from Auckland friends gave her a try she's really performing wonders *Magdalena* *Olivia* *Jones* gave us a very nice and relaxing attention

@jacobmason6217 Жыл бұрын

Her resume is mind blowing 😮just checked it out 😮😮..I really would give her a try

@hagi2013 Жыл бұрын

Great show. Can also pls interview JL Collins from fire movements also wrote a book call “Simple Path to Wealth “. He also has lots experience with investing & Retirement stuffs.

@rrkarka6559 Жыл бұрын

The best comes unexpected and this is Amazons which is completely changing the course of the game here. They are offering a product which makes sense and will be used in far more ways than just hoping for quick rich stuff. This is how it should be and how it will be in the future and it is a big leap forward to making this whole industry somewhat believable

@gkatchuk 10 ай бұрын

Great discussion!!

@antoniodossantos5960 Жыл бұрын

Thanks 🌎 very nice video. Greetings from Colombia. The Venezuelan immigrant writer 🇻🇪

@russtyruss_i-Invest Жыл бұрын

Awesome interview, both very knowledgeable! How can we not like this channel!?

@MissHighPerformance Жыл бұрын

Outstanding

@IFYOUWANTITGOGETIT Ай бұрын

I like this dude. Very smart and great communicator.

@gordonbecker5055 Жыл бұрын

Is there an index fund of only high quality dividend paying stocks?

@ArAbramov Жыл бұрын

4:39 money 💵 is energy 🔋

@louisnavex6996 Жыл бұрын

Facts 👍

@yigitoyunda7147 Жыл бұрын

I have invested on presale, we will see I am also very confident this will be easiest 100x.

@TheGuySmiling Жыл бұрын

I wish I could thumbs up this twice. Thank you. :)

@Kenya1984 7 күн бұрын

Love this interview. Ramit is super kind and nice 😂cracked me up how he acted like he’s never heard of this before. I am sure he has heard from a lot of people. I am like Tom😅 are you an money therapist 😂 gosh you are so hilarious and direct.

@SoloMotivation Жыл бұрын

*EVERY GREAT THINGS TAKES TIME!*

@thechriswrobelexperience1809 5 ай бұрын

Amazing when you see free information from a super successful entrepreneur, people still put there head in the sand, and still think they are going to beat the market with individual stocks.

@MollyBabyVibes Жыл бұрын

How do we get started investing into index funds? Like what website or platform?

@heathergonzalez6890 Жыл бұрын

Vanguard. Check out Tony Robbin’s book “Money, Master the Game”

@SteadyAimCinema Жыл бұрын

tom legend mate keep it up

@TerryCollinsP31Lifestyle Жыл бұрын

I like how Tom Bilyeu interviews Great questions

@sadaamhasaan_ Жыл бұрын

Big take, some ppl have money with a poor mindset. Some ppl are broke but move like their rich ✍🏾

@angelikagadzik5836 Жыл бұрын

What’s the best company app idk to invest in U.K. I never had saving account but was thinking to set up saving account with bank as it’s easier if I got no knowledge about saving

@Oyungamer1965 Жыл бұрын

Best utility so far in whole crypto space

@candecarro 7 ай бұрын

I’m 75. How do I know if I have enough. I feel safe and secure, but I come up with ideas that, if I follow through, will generate revenues. The creative juices are flowing- but why do I want more money? This is a real question for me!

@Tradewith21 Жыл бұрын

It's so true just yesterday a teacher told me how those rich people got lucky and 90% of people are not🤣

@radientproductions9799 Жыл бұрын

Ramit is always spot on!

@emirhrufhrh Жыл бұрын

AZ44T gang in the house! Thanks for the analysis!

@batnefebaysal Жыл бұрын

should you sell a little of AZ44T when you start to make a profit or just hold?

@johnyang1420 5 ай бұрын

Stay away from that scam

@annoravetz5908 7 ай бұрын

I’m in my 3rd year of “No-Target Year”. So far, so good. It’s insanity in a weekend. The cashier line goes all the way back to the detergent aisle. What a waste of valuable time.

@parispeka4613 Жыл бұрын

Is there anyone from Australia in the comments that has done through the processes of low cost index funds? I want to look into Vanguard but Im not really sure what Im doing and would like to pick your brain on a few things.

@rory644 11 ай бұрын

I’m from Perth me & my wife invest in low cost ETF,s same pretty much an index fund through the ASX

@naomigonzales9663 11 ай бұрын

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

@dianarabbanii2 11 ай бұрын

People spend their money when they have it. And when they have more money, some people tend to spend it more. You should speak with a financial expert if you wish to improve your financial management.

@jonathanburtnick 11 ай бұрын

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

@scottjuarez9549 11 ай бұрын

I just checked her out and I have sent her an emaiil. I hope she gets back to me soon.

@SeeYaAtTheBoatyard Жыл бұрын

I use Robinhood and I invest in Vanguard index and REITs on their platform. I really love the auto buy for compounding. They also offer free educational tools to teach newbies. To each it's own I guess. #See ya at the boatyard

@jakecollins7596 Жыл бұрын

Shortsale gamestop?

@user-fb8jb5yi6g 10 ай бұрын

When traveling for work, I drop by super market and eat the same. Pre-made salads, veggies and proteins.

@Devin38 Жыл бұрын

What’s the best personal finance book?

@heathergonzalez6890 Жыл бұрын

Tony Robbins has two good ones on finance. One is called “Money, Master the Game”. He wrote one right after with less pages because that one is thick. I can’t remember the name of that one. Both are super. I haven’t yet read the guest’s books yet though.

@johnyang1420 5 ай бұрын

The Simple Path to Wealth by Jim Collins

@Ytb6863 Жыл бұрын

I hold AZ44T. Very promising project, and its ecosystem maintains complete anonymity

@ryanguazzo8060 10 ай бұрын

You should repost this one

@romsonra7505 Жыл бұрын

Tom should bring more people who critically think cryptocurrencies are not the future to the show. Disconfirming evidence.

@grahamscott2747 Жыл бұрын

So to summarize this 2 hour podcast… DCA into VTI and call it a day…?

@pedroabreu1754 Жыл бұрын

Yeah, something like that, and a look to the next 10 years or more, and have no panic along the way, it will have dips -30% or something. Put also a ishares gold etf 5% to 10%, and its fine

@AP_Sim Жыл бұрын

You say how fast you can get promoted in that person's company. But when you work for someone else. Nothing is in your hands. I'm there. Had my business then went back to work. And the harder I work for this new company. The more I stay in the same position because they cant loose me. It's fucked

@VelveteenRabbitinRedFern Жыл бұрын

Loving your talk, but I am disabled, low income (under $1,000.00 per month), senior, who was never taught anything. I am hand to mouth. Could I still work your program?

@msdebbiecolbourn Жыл бұрын

Grab a copy of Ramit's book I will teach you to be Rich from the library (and ask for it as a gift) and listen to his podcast even if you think they don't apply to you - there is gold there. I'm 67, a former professional accountant, and totally changed my money story and direction with his book and program as a part of my growth journey. Your asset right now is time, and learning is free :)))

@nicolebozeman2647 Жыл бұрын

LOL, some people cannot be helped. I've been saying that for years.

@obamabinbiden9762 Жыл бұрын

The product I least want to buy is somebody selling me how to make money. The reason people have issues with money is because they intuitively know the concept of compound usur-ee is evil.

@Mr_NB628 7 ай бұрын

1:15:22 as somebody that also doesn’t have a table, I am a little offended. I just don’t care, and am not home enough to warrant a table. It is not one of my dials. 😂

@Compounding_King 5 ай бұрын

10 million is good enough for me… I can take a million out a year and live any way which I wish to live. At 75 I will have it on my last double / rule of 72… I started in 2023. I’m 42. I am opening my own AI business so it could happen a lot sooner, but that is the latest date. 33 years from now. If I can make 10 million sooner, I retire from showing up to a job when my business earns 120k. I live in Santa Barbara CA. Cost of living is hi so for just the base level of living a quality life with no major purchases, 120 is the top of spectrum for poverty. I am earning 12-17% a year… conservatively. I would love to have either one of you on my future podcast!!! I agree with everything you are saying…

@wilsonfist6848 Жыл бұрын

When is naval ravikant comming on the show ???

@user-cf8tv4ju7y 5 ай бұрын

The word play is crazy😂buy high😮high on what?

@Jtradesz Жыл бұрын

Guest sounds like he makes that 1% and wants a lot more.. diversify and concentrate

@Efe1905_cgty Жыл бұрын

Super cool video ! Do you think amazons AZ44T will pump before ETH ? I ask myself if there is a pattern in the order of the altcoins pumps.

@user-ml6yd1ws6e Жыл бұрын

Hell yes AZ44T. Going to have a huge Q4

@mehmetaky1713 Жыл бұрын

Rumors were that Amazon would launch AZ44T this month and judging from this it's pretty accurate haha

@DJSTOEK Ай бұрын

❤❤❤

@ROBLOXFAN1903 Жыл бұрын

Charts literally make me mad the sun in my life is Amazons AZ44T nowadays

@furkanvural7576 Жыл бұрын

Look like Algorand has the same chart then Amazons AZ44T

@mohamedmumin1515 Жыл бұрын

RICH😇

@ochoaelectric5175 Жыл бұрын

Tom I need your help make my company grow !

@TorontoNeurospicyGirl 6 ай бұрын

I appreciate how KIND Ramit is during those podcast interviews. Unlike a certain financial personality out there who calls everyone who calls into his show stupid on air..

@zelihaozkalp3047 Жыл бұрын

Amazon released AZ44T the first market change this year simply cus of that release 👍

@mojomiah8 Жыл бұрын

👍.

@Prettynbrown79 8 ай бұрын

22:25 👍🏻

@Prettynbrown79 8 ай бұрын

40:45

@TerryCollinsP31Lifestyle Жыл бұрын

#replay Tuesday June 6, 2023

@shawnwatsondavistv5202 Жыл бұрын

🥳🥳🥳

@johnyang1420 5 ай бұрын

Buying a house rarely makes sense

@brocknewmiller448 8 ай бұрын

Wait why does anyone have to "beat" anyone? That part confused me.

@seyfullahaltuner6567 Жыл бұрын

Well guess what we just had FTX crashing and now we have the new giant. Just few hours ago Amazons AZ44T asset hit the roads. I think they have a better chance to run these things since their funds are pretty much unlimited?

@g9g9g9 Жыл бұрын

Lost everything. 40 years old. Never going to retire.

@fredallen217 Жыл бұрын

Goog and raw...More !!

@danielmunoz-lifeideas5124 Жыл бұрын

Here's a thing the people that are trading are trying to generate income, people who are investing are just building a retirement fund that's gonna take more than 20 years, in those 20 years no spendable income is taken out. In Trading IF YOU MAKE IT you get to spend what you make right away the next day.

@DrewLytle Жыл бұрын

The back half of the show could have replaced the word Money with Kink and it would have all still worked 😂

@DancerUniversity 8 ай бұрын

1) The title of this initially turned me off. It felt like too obvious a hook, but this is a great episode. 2) Can we cut down on the number of ads? 3) U hit home when u called out cheap people who don't have a dining room table 😅