0:00

What's up, rich

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friends? Welcome

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to another episode of Net Worth and Chill with

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me, your host, Vivian Tu, aka your HBFF and

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your favorite Wall Street girly. I was scrolling through

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TikTok the other day and I saw a guy

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going up to rich people and asking, hey,

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what do you do for a living? And if

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you're on social media, I'm pretty confident you've seen

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these videos too. And the people

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that this guy was talking to all

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certainly have different ways of spending that money.

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Some flex their wealth via a fancy sports

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car, others are showing off on their private

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yachts, and some are even carrying designer bags

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worth the price of a small home. But

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it does make you wonder, what do all

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of these people do to make all of

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this money? So today we're going to talk

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about making money, spending money, and how different

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people like to show off their wealth. I'm

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so excited to introduce today's special guest with

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12.8 million followers on TikTok and a YouTube

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following of 2 million. Everyone

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please welcome social media sensation, Daniel

0:58

Mack. Hey, hey. Thanks for having me.

1:01

Daniel, thank you so much for being here. I'm

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very excited to chat. And I got

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to ask, you are known for asking people, what

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do you do for a living? How

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did you come up with the idea to do that?

1:12

I mean, to be honest, it

1:14

just started with pure curiosity. I would

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see people driving around Ferraris and I

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was just like, why

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don't I have a Ferrari? And what do

1:23

I need to do to get a Ferrari?

1:25

This was just after college, so I didn't have

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Ferrari money and I know I wouldn't. I wouldn't

1:29

have it for a while, but I literally

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was just like, how does someone acquire this?

1:34

And the easiest way to figure it out would be just asking

1:36

them. And yeah, it's that simple,

1:38

honestly. It's pretty wild. Yeah. And

1:41

you talk about wanting a Ferrari, but not having

1:43

Ferrari money. So I do want to take a

1:45

quick sidebar. Talk to me, dream car. You've got

1:47

a gazillion dollars. You can get anything you want.

1:50

Talk to me, what kind of car do you

1:52

get and what one customization would you have

1:54

to have? Okay. That's

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a good question, honestly. I

1:58

like Lamborghini, Koon Top. is the

2:01

old like kind of 80s, 90s wedge look

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in white, the Wolf of Wall Street car,

2:05

as many of you know, as the

2:07

one that he crashes. I think that's

2:09

probably got to be my favorite. Most of them

2:12

don't come with a wing on the back. So

2:14

that'd be my customization. Not stock for most of

2:16

them. So yeah, that's kind of answer. I guess

2:18

with unlimited money though, I

2:21

don't know, probably probably a kundash. Yeah,

2:23

they're not comfortable to ride in at

2:25

all. And they're not forgiving, you know,

2:28

but they're fun. They're fun. So I'm

2:30

like cracking up because you're like, well, you

2:32

know, it's not actually that drivable and not

2:34

that comfortable. And but I still want the

2:36

Quaaludes car. So you know, you're allowed to

2:38

have your Quaaludes car. That's your

2:41

dream. Yeah. Okay, but let's back

2:43

up a little bit. I read that you

2:45

actually majored in finance in college. So obviously

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it kind of makes a little bit of

2:49

sense of like you being curious like how

2:51

these people are making that money. But talk

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to me about being a finance major.

2:56

Is this what you thought you would

2:58

be doing after school? Not

3:01

not at all. Not even a little bit.

3:04

I kind of fell down the social media rabbit

3:06

hole completely by accident. But yeah, my whole life

3:08

I've been interested in finance. Prior to

3:10

going to college, I was waiting for

3:12

the day that I could turn 18. So I could

3:14

open up my own brokerage account. I didn't want to

3:16

do it with my parents. I didn't want like a

3:18

social account. I buy literally that year I get an

3:20

IRA. Really, I'm just so interested in the stock market.

3:22

I still am. And that was kind of like when

3:25

I first started getting into it was right when I

3:27

turned 18. So I knew I wanted to do something

3:29

in finance. And I didn't know whether I wanted

3:31

to be an analyst or advisor. And then eventually I kind

3:33

of lean more towards the advising route. Then I got a

3:35

job at Charles Schwab, I did an internship there. Then I

3:37

got a job there. And I was doing like their advising

3:40

kind of like pipeline, like you do like a program where

3:42

you get like your brokerage licenses and all that. And that's

3:44

what I thought I was gonna do for the rest of

3:46

my life. And I was excited doing that. I tell people

3:48

this story. They're like, Oh my gosh, like good thing you

3:51

got out of that. And I'm like, well, no, I liked

3:53

it. Actually, like I like waking up and checking the market.

3:55

And yeah, obviously, I was at the

3:57

broker is interesting to me. I wasn't a broker yet.

4:00

I was about to get my license and

4:02

I quit, I quit like a week before

4:04

my, uh, my series seven or an SIG

4:06

testing. So I didn't, didn't quite get that.

4:08

My parents were horrified that I quit right

4:10

before that, uh, with this, this clear cut,

4:12

you know, 40 year plan. But I randomly

4:14

posted a TikTok around when I started my

4:16

job, I moved to Dallas after college. And

4:19

then right when I started my job was

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when I posted my first TikTok was zero

4:23

followers. And then my first video got like

4:25

40 million views or something crazy. And then

4:27

my next video got like 50 million views.

4:30

And then that, so I got a million followers in like

4:32

five days. So this was all like talking to me and

4:34

I didn't show my face. So no one really knew what

4:36

I looked like at all for like a year. I was

4:38

going to say, I can literally hear your

4:40

voice in my mind, but for so long,

4:42

I didn't know what you looked like. Yeah.

4:45

Yeah. No one, no one did it. People would literally

4:47

like, uh, people would literally be like, yo, like this

4:49

guy has the same name as you. Like my friends,

4:51

I'd be like, that's me. Like no one knew it

4:53

was me. Cause I was like too afraid to even

4:55

like put it on my main Instagram at the time.

4:57

But then it started getting so many views that, uh,

5:00

within about eight months, I quit my job because I

5:02

started making more money than my day job. And then

5:04

I had built up a like eight or nine million

5:06

followers. Right. And most people like

5:08

moved to LA with like, you know, no followers

5:10

and take the risk, but I was like, I

5:13

have a low risk tolerance. Um, so I,

5:15

uh, do you, um, low, I've

5:17

been more conservative than most, like I would not

5:19

move to LA and quit my job unless I

5:21

was making more than my original job. Right. Okay.

5:23

And, and my age was so like, I was

5:26

22 and I was like, okay, I have the

5:28

degree. Like I can go back in my job

5:30

told me you can go back if you want,

5:32

like go have fun. Like go do it. So

5:35

I was like, okay, I got security, security, security

5:37

stuff. Yeah. That's kind of the spiel there. I

5:39

think that's so funny. Cause people

5:41

fail to realize like how responsible

5:44

creators have to be with their

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money to actually make a

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living doing this because you don't

5:50

know where your next paycheck is coming from. But

5:52

you don't get a paycheck. You, you get, you

5:55

know, you cut deals or you get money, but

5:57

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I love to flip the question. You say

7:28

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7:30

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7:32

the Charles Schwab job? Yeah. I'm

7:35

curious,