This is your life. 

Not really into Magic anymore, but I remain subscribed solely for the pink visor vids. I've learned so much about my financial future from your advice Rudy. Appreciate all the content

Epic! One of your best in my view indeed, thank you. Just sad your closing statement was cut off, would have liked to hear all of it. :)

Life is like a game of Texas Hold’em: 1) Age 0 to 19. Your 1st preflop card. That’s your intelligence. 2) Age 21 to 29. Your 2nd preflop card. That’s your degree and/or work experience. 3) Age 30 to 39. Flop is out. Hope you have at least a pair. 4) Age 40 to 49. Turn is out. Got something yet? 5) Age 50 to 59. The River. If you don’t have anything good, you can try to be Bernie Madoff, bluff your way out to riches but it’s best to accept your hand. On the side note, for some folks, they born in families that probably owe a lot of money or don’t have good income or financial management. That’s small blind and big blind. For others, they are neutral. If you born rich, you basically a dealer. A person that can watch everything and have the final say. Even controlling the game since you are the last person to go or not go.

Great video. That’s a great point of view.

Thanks Dad.

Truly the most honest video on the internet

25 years to full development

Thanks for this video

I love it when Rudy makes content like this, it's real and it's non partisan, everyone experiences this in some way or another and sure some have more of a leg up than others, but in the end none of us get out of this thing we call life, alive. Which is humbling and terrifying all at the same time, all you can do is try and make the best decisions at the time at which you make them and always move forward.

It’ll be a sad day when Rudy retires RU-vid

They forget what the taco tastes like - great Rudy quotes of our time ....

These are genuinely my favourite Rudy videos. I have learned so much valuable information from this man

As someone who grew up without a dad... I have learned a lot from Rudy. No joke... Thanks man

As someone that messed up a lot of their 20's thank you for this Video Rudy. Seriously. I thought I had really screwed up. I am 35 now, about to buy my first home. I have a really good job now and been investing in magic sealed for a couple years. I thought I should have been doing this in my 20's if I didn't mess up. So this made me feel a lot better.

I could write 5 books in response to this, mostly my (in my opinion) educated expansion and comments to Rudy's thoughts. Overall, I agree with everything Rudy is saying. Most people, for at least the first half of their lives... don't have a clue. And most of em don't want one, and most of em don't realize they don't have a clue either. Young, dumb and fun right? Life is about living. When you die, how many dollars you die with won't matter at all. How nice of a house you had won't matter at all. When your at the end of your life, if your in a position and a state to know it's coming, all you'll have left that really matters is the people you love and the memories you made. Your money, your assets... on your deathbed, they become nothing. Having said that, while you do need to "live while your alive", you also need to do a few things smarter. Like they say, work smarter... not harder. Finances are just one of those things. The reason most people aren't smarter about life in general when they are younger is because MOST of the people around them who do have half a clue don't try hard enough to instill that knowledge in those young, dumb and fun people. We're doing spelling tests in 7th grade when we should be learning about how the world works. I mean every high school curriculum in the world should have a "Common Sense 101" class. Learn about the dangers of credit card debt. Learn how to balance a checkbook. Learn the basics of simple target date fund 401k. Learn the power of compounding interest, and what it means in terms of starting to save for your future at 22 vs 32 vs 42. That 22 year old might not have the money the 42 year old does, but they don't need it either. They only need a fraction of it. Compounding interest. Time in the market. The other part of it is, the parents of children being born today do in my opinion have a duty that our parents didn't have or that our grand parents didn't have. The world has become a much harder place to even be a successful middle class citizen (and like Rudy... I'm talking about the US and that American dream of a house and a yard and 2.2 kids and a dog). The house my father in law bought in the late 80s for 110K would cost easily 3X that much today. For our children to be successful, I basically am planning to start that investment cycle that Rudy is talking about for my kids right now. I'm adding two additional "10 year chunks" to their time lines with my own money so that I can ensure they'll start their financial futures / investments at a good time and offset the fact that their lives are going to be harder than mine is. I'm not talking about turning my kids into trust fund babies either. I'm talking about dad throwing 5K into a plan for them now, maybe small contributions over the next 15-20 years...so that by the time they hit that first "major milestone" of 10 year increments at age 20 they will have 20K or 30K starting out. Then they can maybe put $200 a month or $300 a month into a 401k. Sets them up for really powerful, really early growth. I also plan to TEACH my kids all the things Rudy is talked about. And I simply won't let them not learn it. I don't want them to be so financially conservative that they refuse to have any fun or go anywhere or enjoy their youth... but I simply won't allow them to be well positioned with both investments started for them AND the knowledge to be financially successful. The things MOST Americans need, and MOST Americans could easily provide for themselves is a 6 month emergency fund, learning to avoid getting into bad debt / how to handle debt (credit cards in the hands of a 21 year old can be a bad time) and to start investing around 6 to 9 percent of their income into a tax advantaged retirement investment of some kind. Those are all things that a large percentage of those in their early 20's can handle with just some basic coaching and positive influence in their lives. This positions them really well for that transition into their early 30's where now they can really start to ramp up and gives them a nice safety blanket for when things go wrong. A 6 month emergency fund is all the difference in how you feel after suddenly losing your job or wrecking your car. It's freedom.

I cheered when the pink visor came out. Thanks for making me feel less bad about not investing in my 20's.

These are my favorite kinds of videos, please keep making them! Long post ahead: I agree with 30 being the age where you start to figure life out. I didn't feel "mature" until 25, and didn't really "get it" until recently (I'm 32). Already knew about the VIX (and VVIX, even) and most money moving after hours, but I appreciate the insight of how low liquidity can manifest itself as the market getting the price wrong. This seems like a risky but justified way to play less attractive asset classes if you DYOR. In terms of MTG, an interesting thesis might be to look at products that are old and have a lot of supply available and then determine whether the price is justified or if the market is wrong (eg Rudy vs Weatherlight). I'm comfortable trading options. I've learned about the 30 or so different strategies, their risk profiles, and how to execute them and when to use them. I know about the greeks and pricing models and how to hedge delta-neutral positions and gamma squeezes and how IV/vega increases due to seasonality (eg ER times). I want to take advantage of LEAPS and writing CCs to farm yields, once the market settles down. Right now, that gives me an opportunity to build a position in low risk, high quality stock for a few years. (One thing I want to try is using a far- dated call as collateral against short-dated CCs. Hell, you don't even need the call, you can STO cash-secured puts and do strangles/straddles, but obviously a whipsaw in the market can destroy you, hence waiting for a healthy market) I'm happily throwing money into stocks right now, including equities, sector etfs and levered ETFs (not futures-backed ones if I can help it, I understand the ramifications of frequent rebalancing, and also how ETNs are riskier too). I want to try buying stuff like TQQQ LEAPS when the S&P 200MA/MACD looks favorable next year. Right now, I'm heavily in oil, energy, materials, and commodity stocks. The uranium sector has performed +40% on average for me since January. I have plays on leveraged oil and plan to exit that once the price picks up again (seasonality is at play here as well, increasing through the summer). For downside hedging, I have positions in UVXY to play volatility and SRTY to play downside on the Russell (since smallcaps are less likely to stand the test of time). From a macro perspective, I see bond yields starting to gently invert on eg 10Y5Y and 2Y1Y, but not the major 10Y2Y benchmark - soon, though. We just had an exit pump from the FOMC rate increase, and many businesses are over leveraged and cannot afford a rate increase. The supply chain is also screwed, with commodities being the biggest potential. Tech (and by extension FAANG and major indexes) are also primed for solid growth, AFTER the market corrects itself. There's also a quad witching on Friday (and a full moon!), which typically leads to a red week. And to think, just 2 years ago I didn't even know what an ETF was. Thanks for planting the idea for investing with your videos!

Got to say rudy you hit the nail on the head and how the video ended was perfect for this talk. I hope people were really out there listing really thank you for these videos it keeps me going.❤

Rudy is the type of person I can listen to for hours

Life Sycle can now be used when specifically talking about TCGs.

Finally the white board video we all so justly deserve

Another Rudy Video = Another Great Day.

Never stop making these. This needs to be heard.

Having recently turned 30 I can definitely attest to this my Outlook has significantly changed in the last 12 months kind of hard to explain.......

The only thing I disagree with here is Rudy's statement about an alien invasion uniting humanity. Uniting humans is like herding cats!🤣

I believe it’s age 33-34 when our brains are ready for life. That’s the age that our skulls finally close all the way too. There’s separation and cracks/ seams through the middle of our skulls and it closes in our early 30’s. What a coincidence that it coincides with your discussion.

Great stuff man, stay the course and ride the waves people.

Love these videos, they have been invaluable in expanding my knowledge on investing in general, but also specifically magic (and other TCGs as well). One of the 2% and a patron -keep up the good work!

Now should be the best time to buy and hold Bitcoin because it will soon come up to a standard rate with enough profits will be granted

This video is pure gold like every other video on this channel,when Rudy teach just learn..thanks Rudy...

Although I don't agree with Rudy's predatory behavior in the Magic Community, I have to admit that these white board videos are spot on, and the reason I keep coming back, these demonstrate his altruistic side in letting ordinary people see through the bullshit we are told (or not told) in school.

I am 21:56 seconds in. I live in New Zealand and God damn it Rudy you just called me out. I got a hair cut, I got a government contract job, I got the wife, the kids and the rental with the family member having a crisis after a year of unemployment due to a shitty boss. And I got investments I know I'm gonna sell the moment a life event Chuck Noris falcon punches me in the gutt. Because I have been trying to invest for the last three years and I keep selling up to fix it. love these videos bruh. I learned and am still learning more from you about money in general than my own parents could teach me ❤️

I dropped out of colleg with no degree, paid my student loans, had 2 kids, paid for my wife’s way through college, managed to by a house by working insanely hard. I’m in my mid thirties and completely debt free building my dream house and took full advantage of this crazy housing market. Just keep working it gets better by saving a hundred bucks and at a time. Life is crazy good luck everyone!

Honestly, your videos have turned my life around. Im turning 30 this year, and i have two houses now, 1 of which is completely paid off, i own both my cars, ive restructures my finances to be paid by my 12 CCs that dont have annual fees, most of which have cash back, and i only use the minimum of the credit cards, im not over leveraged. My wife and i both have jobs, and combined make about 120k a year. I have about 30k in stable stocks. Im not being a timmy, im just slow building.

in my 20s can confirm my life is relatively unstable however i enjoy investing in tcgs so i try and park a little money here and there. Thank you for the insight Rudy its much appreciated, hopefully my 30s are indeed more stable.

My closing statement would be: you can’t control the price would be 5 years from now, but you can control the price you pay. If a product is overpriced and out of print, just move on to next product. You can’t collect everything. And avoid paying MSRP.

Love you, buddy. Been through a couple SPY cycles on financial pause and suddenly the weird confluence of Magic, financial literacy, and surreal taco-surfer vibes drew me to this channel. After an artist's life with only reckless regard for time and equity, your beat diatribes happen to be the most tasty and appropriate food. Grateful.

One important concept in finance, investment in commodity (including collectibles) is different than digital financial securities (bonds, stocks, mutual funds). You will need to consider the storage and maintenance costs to the commodity assets, and they do not generate any returns when holding them like dividends from stock and interests from bonds. The only return you might possibly earn is the Capital gain, the difference of purchasing price and selling price, which needs exactly only market timing. That's the only thing Rudy is talking about in the video. So starting from the first day you buy the commodity investment, you begin to lose money, until you sell the investments.

Full art borderless gold stamped signed black and white art card basic lands from crimson vow and midnight hunt.

What are you, some kind of gypsy fortune teller?? How were you able to accurately describe my life up to this point with some lines on a white board?

Jokes on you I'm 30 and haven't gotten a place or family and still haven't been able to invest anything. You underestimate just how much of a fail your subs can be. Gotcha

Shits gonna get bad this decade and onward for many. If money is so important, than try and make it, but dont get down if you dont become a millionaire. If you work hard and just get by, at least you doing better than some. IF you can sell weed, do it and save cash. If you are a soldier, do your soldiering, etc etc etc. Theres many ways to survive without doing the absolute worst and horrendous things. Buy some land if you can, because its all that really matters as a real asset. Just like with the small number of folks that are the biggest music stars, or movie stars, or movers and shakers of history, some people are fated to be millionaires or billionaires. But most people are not meant to be so. This is the way the system is set up, as even Rudy has said in other videos of his. Its common sense. And just as was foretold in "sci fi" and just the last few decades of history: the rich are getting richer and the poor are getting poorer. Try and make money and hope for no nukes falling, or hugh natual disasters or social upheavals resetting everything pitiful modern humanity foolishly holds dear. Because in this type of civilization, its all mostly nonsense when people are not even valued much by the masses and governments. Live your life, and try to be happy. Pe@ce

I have made then lost $100K in SPY options over the last few months. Just running it down on volatility

THYS VIDEO SHULD BE PLAYED ON EVERY HIGH SCHOOL ->>>ONE TIME......

You know its bad when people are craving real life advice from a cat who sells magic cards

Big Rudy always there for us

15:31 The Plot/Narrative to Alan Moore's Watchmen.

Someone show this video to meet kevin

Fuck the disclaimer. Rudy is my financial advisor.

I knew there was a reason I couldnt go round to my moms house today. Its cause Rudy was balls deep

I don't undertstand what this guy with the pink visor wants to tell us but is it time to go full in on Homelands or not?

This type of video is by far and away my absolute favourite Rudy content ❤ I liked the theme of "ignore the volatile short-term TCG markets, hold it for longer if you can and it'll most likely do well for you", without explicitly stating this. The discussion was great but Rudy can't physically make everyone make good decisions. You can lead a horse to water but you can't make it drink.

Honestly, I'm in my early 40's and this is the most stressed and volatile I've ever felt. I had more stability in my 30's by far. The economy has absolutely upended just about everything for my family, and honestly I'm not very hopeful for the next 10 years. Was supposed to be our high earning years, but inflation and taxes are just killing us. Every week it's another pay cut to go out and buy the same basic needs I've bought for years, but for more and more cost causing financial regression for us. Not going to lie, it's been rough. And it looks like it's just going to get worse from here.

Rudy said YuGiOh :O

When there’s blood in the streets, it’s time to invest. -some famous guy

Rudy I lost you after you put on the pink visor lol

Thumbs up for every whiteboard video!

Something not talked about: Inflation has been 10-15% probably for over a year. Magic has not followed suit for the most part. If prices remain stagnant in 2022, this will be a 20%+ drop in prices that no one's noticing.

Rudy your the man! Btw …Here are my takeaways and action items from this video. 1 - aliens invasion WILL unite the earth 2 - I’ll buy some of your forgotten realms product Cheers from a patron!

thank you again for these whiteboardvideos

Legendary RU-vid content.

we def need "This is your life 2.0"

This is the best whiteboard video I’ve watched in the last 5 years I’ve been watching and why Im now a patron. Even overseas this was very poignant. I just hit 30 and the last 12 months I’ve really thought about diversification and thought it was too slow - regardless of the fact that I do have the house and the car and spent all the time trying to set up. Get the chuck Norris fist feeling like I wasted some 20s not doing some of the more crazy stuff and getting depressed about a relationship breakdown from 26-29 and the fear of starting the loop again - but even just the act of scoping that on a the graph shows how much of a blip that is; 2 magic sets? Yeah I got burned a bit on monarch but I still have it - and ’m still picking up at least a case of each FaB set just to sit on… and now I’m looking to park elsewhere and made my first major “risk” investment on instinct. It’s interesting how easy it is to look at the law of averages, and how easy you just summarised what I’ve felt recently. See you for the 6.9 year anniversary.

lol, Rudy, this is why I love your channel so much... your positive energy and your great insight. Love your whiteboard videos, appreciate it. The part where you talk about being in your 30's and how we start to understand our mortality and that we can't go back in time hit me pretty hard...it's been the defining thought process in my mind for the last few months. 100%

Discover this channel when I was 27 and it’s been 2 years since then. Love you Rudy

You’re not the only idiot buying stocks right now Rudy. We’ll delve into the pits of the Taco Bell meat grinder and hopefully come out better on the other side. As you say, stay the course.

One of the 2% 🤣. Always great to learn from you and your own story.

You can tell Prudy hasn't learned to fully cap the expo marker yet by the fact it was dry when florida man went for it

I thought it was gonna be Timmy lines. I just snapped 2 bones in my hand, had surgery, and had to eat the cost. Real Timmy hours

Bummer! Video cut at the end on Jerry's final thought. Thanks anyway Tim. Great perspectives.

brain peak is around 21 years (fluid intelligence), from then slowly degrading. But your experiences (crystalline intelligence) actually make your brain more functional to balance the loss in speed out.

Im 18 and started when i was 15 with investing but since im 17 im really investing with more than just a few hundred Euros.

Rudy.......still 2022, markets are still shit. Im buying, Im buying everything thats worth anything. Im working 2 jobs. I see it dude Im looking at the big picture. Yes Im in my 30s. Spot on dude keep up the good content.

As someone who feels like a consistent failure for not using my money "right" while trying to be happy, who recently also stopped working due to disabilities, this really made my day. It made me feel better about my spot, and yeah, I need to invest but it's also ok to be chasing happiness at the same time, trying to put myself first, or my partners. Thanks you for this video.

This isn't my life......my life is dictated by the fickle nature of my 29 Cats all named Rudy, and when I die they are going to eat me......and they make it a point to tell me how hungry they are everyday!!

“Return to Return to Dominaria” lol. Great perspective. Gives a better understanding why it’s beneficial to Stay The Course.

Just thank u Rudy.

"You open the mailbox, and it's a bill with a fist." Wiser words have never been spoken. For real, this is amazing and lucid insight. Thank you, Rudy.

Fantastic video as always Rudy, it's often advice, like you say, that's just simply unavailable to you because those types of people are not online shouting about it from the rooftops. They're in the basement, sweating over tacos.

Could you imagine if Wizard's took Rudy's approach and sold new product on an average of what it WILL BE worth 50yrs down the road instead of what it IS WORTH in the moment? WIZARDS: "New Capenna spoiler season is looking good, I think we can start sales around 2,000$ a booster box!"

"But trying to beat my self up cuz I got" ... CUTS OUT....WHAT were you going to say AGHHHHHH!

Rudy, what is an LS of an LGS? Stores usually think in monthly windows of rent, employees payments, credit payments, right?

So true this

I'm approaching the second slice of that life-line drawn on the whiteboard. I am aware that I need to consider serious "money parking", I'm not willing enough to start just yet. I'm just too scared/lazy to do the necessary amount of study/work to even have a clue. These tales/insights of Sage Papa Rudy the Whisperer (also known as Evil Cardboard Investor, Keeper of the Sealed Pile and also Timmys Harvester) might be the first pushes for me to walk into this key plane of the multiverse (by comparison, Neon Kamigawa sucks a**). For that, I'm giving a like. Also, this video needs to be added to the Whiteboard Playlist or whatever it's called. P.S.: my name says it all about where I'm from. Even if some references/examples don't work for me, it doesn't matter: the importance of these concepts still applies.

But try to beat your self up be angry or depress because....... And Rudy cuts the video What da heck Rudy!!!! Where's my last words of wisdom ;-;

I got hit by Chuck Norris with a $4135 emergency room bill after insurance. My 2021 income was 11k so I submitted financial aid application to the hospital and they paid for it in full😁. I make 35k a year now so I don't think that would work again.

24, male here. RU-vid seems pretty accurate. Just started watching about 2 month ago

My life is a taco

I invest in whatever Rudy invests. You do the thinking Rudy. You are smarter than me.

it cutted on the last minutes! I'm sure the secret of life was there! lol as an aside, 20s to 30s are really hard to put money aside, on my case, I got married, and we started to pay for our own house at 25 ( which is impressive 11 years latter I know) , but because we were on our first jobs, we didn't earned enough to have any extra money aside, we didn't even had medical care, and if anything happened to one of our cars it would be terrible for our economy, and we coundn't get sick without having to eat tuna for a couple of days to compensate, but alas, we made it somehow, and now at 36 we can start putting money aside, we now have a medical health care and hopefully we will finish paying for the house in a couple of years.

Turned 25 yesterday, mannnn I've got hit by chuck Norris fist👊 ALOT one of the most recent was a small car accident need to fix bumper/fender the body shop estimate is 2500$ 😵

If we are going to talk about money, we have to talk about your investments. Stuff that holds actual value, not federal reserve notes (Literally IOUs). Instead of focusing on have have 100,000 "dollars", focus on what you have in your vault that can retain or grow it's value over time. Got to take into account the trading power of the current-sea you are dealing with before you jump into a product's exchange rate. You could gain a total of 10000 on your investment over a 10 yr period, but if the money is 1/100000 of it's spending power a decade ago, you still lost money, even though you technically gained 10,000 physical notes, if you trade that investment in for the money. Again, invest for the hard assets, not the exchange material. (At least until the gold standard is brought back, and the value of the currency cant be tampered with by a privately owned banking board.)

Invest in rare Taco Bell hot sauce packets is what I'm hearing. You're pretty on the money. I didn't start investing until 29-30.

I buy stocks the same way I buy collectibles: keep them for souvenirs. 18 years later, worth more than double my money, I now have 565 positions. Good thing I have two bathrooms plus a garage.

Listen Rudy, As a senior in high school I made every infinity combo out of Aluren and Earthcraft and it was fun until WotC declared that you had to select a finite number. So, why would I not be degenerate enough to ask, is the 60’s suppose to fake knockers (have to be fake not saggy enough) or Viagra fueled ding dongs? PS yeah, I still have play set of both.

bro, thanks for being real dude. love the video

At 33:30, you say that everything has a life cycle. What do you think about Ray Dalio's book Principles for Dealing with the Changing World Order, if you've checked it out

I can share my biggest mistake you can learn from. Bought some crypto for 16k. It dropped by 80% and I sold it thinking it would go down further. It then went onto go up by 10x from where I first bought it.

I lov3 these types of videos bro. I WISH I HEARD THIS FROM SOMEONE LIKE YOU 20 YEARS AGO. This funny video might actually change some lives. But probably the people that enjoy this have reached their 30s as well. Who knows? Good stuff Rudy!

Dear Rudy, Please create a bunch of FUD, so i can buy shit for cheap🙏. Thanks! Very respectfully War.