Was This A Bad Idea?

Added: 2026-06-01

[00:00:00]Let's just say I made an impulsive decision when I was 16 years old. But I can't fault myself. Which 16-year-old with a 5 figure bank account wouldn't want that? So, to give a little backstory, I was a music producer and a rapper and an engineer. I owned a studio and I had hundreds of people who would come and get recorded by me. On top of that, I also had songs with millions and millions of streams. That's how I created an income at the age of 16. And with all that being said, I was a young kid in high school with probably more money than any of my classmates and nothing to do with it. I always wanted a Dodge Charger and I woke up one day and went to the dealership.

[00:00:39]But as I got older, I started to realize that all the money that I was putting into my car could have actually been going into a business or an investment that could actually benefit my life. But again, I can't fault a 16-year-old for acting like a 16-year-old.

[00:00:54]But today I woke up and decided to pay my car off because why not?

[00:01:02]All right. So today today we're out here. I'm at the tax office. It's a special day. It's a special day. This is my vehicle right here. And I just paid it all. So I got to go collect the title. And apparently you got to come to the tax office. Now you'll see this special man is here with me. And who are you?

[00:01:24]I'm Christopher.

[00:01:25]>> So this is my dad. I got my car when I was like 16 years old.

[00:01:33]>> And at that age, guess I couldn't buy a car. So I actually had to put the car in his name. So to pick up the title, he has to be here because it is technically not my car. It's not in my name at all.

[00:01:44]>> It's an appointment, right? What time was the appointment? 3:20. So it's like it's like 3:36.

[00:01:54]Do you think they'll like cancel it or it doesn't matter?

[00:02:15]>> Yeah. I don't know how long we'll be in here cuz >> it's >> it's a lot of people in here. My car actually needs some gas. So, I think >> we're going to leave you here for a little bit. I'm going to go get some gas and I'll be back.

[00:02:32]>> All right.

[00:02:39]>> All right. Yeah. Now, I need some gas. I wanted to wait on getting gas because I saw that the stocks I'm big in stocks, y'all. And the stocks for fuel had went down like like really low per barrel.

[00:02:51]Like if you were in oil, you probably would just got cooked in the stock market. I don't want to fill my tank. I need gas. Like I can't drive. I don't want to fill my tank because I'm sure fuel is going to go like really low.

[00:03:08]All right. So, I'm I'm at the station gas. Going to go get some gas. Yo, gas is crazy expensive right now. I hate when gas stations don't have the tap like when I could just tap my um it get rained on. It's about to rain. I got to go in cuz I don't I don't put my card in nothing. Oh, I do got my card on me. I didn't realize. I thought I left it at the crib, but I got my wallet right here.

[00:03:33]All right. Like I said, I'm not trying to fill up because I feel like the gas prices will change. I'm going just get enough to be driving around. So, I'm probably going to put like $10.

[00:03:42]They say, "Damn, bro. Came and got bro came and got two gallons on pump 10."

[00:03:48]>> Time rough.

[00:03:50]All right, let me get What pump are we on? Pump nine. Could I get Let me get like $10 on pump nine. You got tap.

[00:04:03]All right. Thank you.

[00:04:06]God bless you, man. All right.

[00:04:11]I always I hate the germs from this stuff. My mom, she sells Mary Kay, so I always keep like some Mary Kay in my in my car. Link in the bio if you guys want some Mary Kay uh for my mom.

[00:04:28]I haven't been driving. I haven't drove in in in like weeks, man. Like, I've been traveling. And when I travel, I don't really drive. Um, when I was in Jamaica, I was driving on the opposite side. I was on the right side of the road and the right side of the car.

[00:04:39]We're coming back to the tax office now.

[00:04:42]See if uh my dad is still in there or is he getting through?

[00:04:51]>> Do people really read the newspaper?

[00:04:53]Like, how do I get a newspaper out of here? You know how I get a newspaper out here, sir?

[00:05:02]Do people read the news? Oh, there you go.

[00:05:06]Let's see what's in the news.

[00:05:08]Y'all know I've been in the newspaper a couple times when I used to run track.

[00:05:13]Power to the planet.

[00:05:19]>> Oh. Oh, it's not going to be a physical paper.

[00:05:23]>> No, he's Oh.

[00:05:37]Yes.

[00:05:39]>> Okay. I didn't even know you had to pay for that. That's what it looks like. I thought it would have been pink. Little baby always be rapping about like pink.

[00:05:48]>> So, could I have came? I couldn't have came without him to Right. That's what I thought.

[00:05:55]Can I order a license plate here? How do I change the the license plate name?

[00:06:00]Like what if I wanted a customized license plate that said like TRZ Y T2X?

[00:06:06]>> Drop in the comments what my what my license plate my license plate should be. Create one for me. Oh, CPT TRZ, right? CPT TRZ.

[00:06:21]>> Captain Tree.

[00:06:27]I'm starting back up my YouTube. It got hacked.

[00:06:33]>> Let's do it.

[00:06:39]>> Let's go, man. How what am I? 21. Oh, Jesus. Rain.

[00:06:43]Why? Why it want to rain as soon as I get this paper when I could just tap my um I just get rained on? Yeah. Grab the car and pull it up under the under here. It want to rain as soon as I just got my title. I I really like genuinely thought it was going to be pink cuz little baby I always remember hearing a little baby say pink slip. I'm happy. I got zero bills y'all. Like genuinely I got my car when I was 16. So that's why it's in my dad's name. I couldn't have it in my name. The car taught me a lot. Like it just one let me know like at a young age to work hard, you know, some motivation to actually put in work and things of that nature. I don't think I would recommend anybody out there because once you get keep coming back once you get to that point like you have it for a while you just start thinking like man I could save my money and put it on something else you know so I don't think I'm big on Dave Ramsey we kind of forbid car payments >> CAR PAYMENTS STUPID ON STEROIDS SOMEBODY OUGHT TO SMACK YOU >> LIKE YOU SHOULD never have a car payment so not the smartest decision in the world yeah I mean you could have came back further now we're come on come now we're in the Yeah, like I was saying, I don't encourage, you know, as I got older, I started, you know, listening to a lot of Dave Ramsey and and understanding what debt is and how bad debt can be and and all that. And although I never had any issues paying for my my vehicle, I paid every single car payment on my vehicle like since I was 16. And how was I able to do that? Well, my first business was, you know, it was called Rich Off Mac. I would engineer for people. Like, I made music, I made beats, I was a rapper, all that stuff. So, it was never a problem funding it, but I just I was at a point where I was like, ah, I don't know if that was the smartest thing because I could have been putting my my funds somewhere else that could have been an an investment. A vehicle is not an investment, bro. Like I think what people should do is they should go and buy cash cars like and and and car payment should not be normalized. You know, I think a mortgage, which I don't have a mortgage, but like a mortgage or or is is debt that David Ramsey says is like okay, you know, and it doesn't count against you. It's not idiotic to have that. When you talk about like a loan for, you know, you want to be a lawyer, you take out a loan for like flight for school like that or or flight school or a butician school, like something like that. Okay, cool. Like those are because those are investments.

[00:09:13]You're going to have an actual ROI on that. A car, you're not going to have ROI. Taking out loan on jewelry, bro. Like, you're like, you get what I'm saying? That's just not smart. So, anything that has interest on it, I don't do anything with Hey, I don't have I don't do anything with interest.

[00:09:29]nothing with interest because that's how like people get you. And when you have a a interest rate, some people never even look at their interest rate. I've heard somebody with a $120,000 loan, 20% interest rate. Oh my gosh. Like I don't see how you will ever get out of that.

[00:09:46]That's like really bad. So that's that's my thing. Is it my proudest purchase? I don't think it's the smartest thing in the world. Like a cash card is just is just better. Just get a cash card, bro.

[00:09:56]That's my story. Um and hopefully you guys can learn from that.

[00:09:59]Yeah, the cycle of the world having car payments should be stopped. If you have no debt and you have no bills, well then you you don't have to do anything. If you don't have any bills or debt, you don't have to make money. And every dollar you make after that is going to be profit, not make money, pay bill. Let me know what y'all think about it in the comments. If you guys don't know about Dave Ramsey, go check out Dave Ramsey.

[00:10:23]That guy single-handedly has changed my mentality and thought process in life.

[00:10:28]And I'm I'm grateful that I found him on TikTok.

[00:10:33]>> What would you say you learn you learned from that?

[00:10:35]>> If you have the money to buy something, you should buy it instead of getting out low and then being in debt.

[00:10:40]>> And if you don't have the money to do it, >> don't buy it.

[00:10:44]>> Don't buy it.

[00:10:44]>> All right. Today we're out here at Walmart. Um, new day. I just thought I was like, "Yo, let me go and get this frame." Like, it's a it's a it's a you know, it's a big deal. I didn't bring the actual title, but I brought this paper, which is the exact same size. The only thing I've ever bought a picture frame for was the frame for my Mr. Beast jersey. Get it framed up. That's the only frame I've ever bought. Do you know where I could go get um some picture frames?

[00:11:14]>> Which aisle?

[00:11:14]>> Buy electronics.

[00:11:16]>> Electronics.

[00:11:34]There we go. This is perfect.

[00:11:37]This is perfect.

[00:11:39]Thank you. I just I forgot they don't do the Apple Pay here. I want to Oh, that's it.

[00:11:43]>> It's okay. It's It's too You sure? Yeah, it's You're fine. It's >> Are you sure? I don't I don't want to.

[00:11:48]>> Nah, I don't like people feeling bad for me. I feel like you feel bad for me.

[00:11:51]>> $2.

[00:11:53]>> Are you sure? All right. God bless you.

[00:11:55]I should have gave her like $100. Let's see if I'm going to walk past one.

[00:11:59]You let me walk past. Oh, I actually don't have the receipt for this. So, I lowkey would have looked like uh I didn't pay cuz I don't have the receipt.

[00:12:12]All right. So, I'm about to try putting it in this picture frame.

[00:12:23]It's all done. Um, it has a weird back piece. I don't know. So, I'm going to have my dad hang it up. That's it. If you guys enjoyed a video like this, check out my other content. This might be a part of my Mayathon. So, you know, 30 days posting. I don't know which day this video will be. You know, check out the school video in Jamaica. Check out the Usain Bolt video in Jamaica. Check out the jet car stuff that man, we did so much.

[00:12:48]So, there's so much great content.

[00:12:50]Again, my YouTube was hacked. So, I'm on the grind right now trying to get to 20K or better in 30 days. And uh I got crazy content coming, dog. Like, like let's let's push this channel. I'll be posting on here consistent and just putting out great great content for y'all. And if you guys are interested in becoming a pilot, go ahead and check out my online ground school. Some of you guys remember this background. Well, this is my studio that I record my online ground school, which is basically what pilots use to learn all their pre-required information to become a pilot. You can take your written test after watching all my videos and and doing a practice exams.

[00:13:24]You can get an endorsement, which is a signature from me to go to your testing facility and take your written exam. And that is going to be the first part of you becoming a a pilot. If you guys do not have me on my other social media platforms, which is rare because mainly people come from there, but um check out my Instagram, Captain Treezy. Tik Tok Tree 2X, my Facebook, Jabari Brown.

[00:13:43]That's going to be link in the bio.