1 00:00:02,528 --> 00:00:05,048 BRIAN BRUSHWOOD: The following program contains secret hacks. 2 00:00:05,082 --> 00:00:07,395 Attempting some of these shortcuts can be dangerous 3 00:00:07,429 --> 00:00:08,982 and is ill-advised. 4 00:00:10,087 --> 00:00:12,503 Need some extra cash? Who doesn't? 5 00:00:13,677 --> 00:00:15,368 I've got some hacks that'll help put 6 00:00:15,403 --> 00:00:17,439 almost $100,000 7 00:00:17,474 --> 00:00:19,441 of free money in your pocket. 8 00:00:19,476 --> 00:00:21,719 From your home to your car 9 00:00:21,754 --> 00:00:24,032 to things we don't even think about, 10 00:00:24,067 --> 00:00:27,346 like drinks, haircuts, or even mattresses. 11 00:00:29,141 --> 00:00:30,625 I'm gonna show you how to make money. 12 00:00:30,659 --> 00:00:32,178 I want a ten percent increase. 13 00:00:32,213 --> 00:00:33,455 BRIAN: Save money. 14 00:00:33,490 --> 00:00:35,664 Take it off my hands today, you get up to 40 percent off. 15 00:00:35,699 --> 00:00:38,391 BRIAN: And find money you didn't even know you had. 16 00:00:38,426 --> 00:00:41,532 You are owed $100 by the State of Texas. 17 00:00:41,567 --> 00:00:43,569 -Yeah, boy! -[laughing] 18 00:00:43,603 --> 00:00:45,502 I'm Brian Brushwood, and I've picked up 19 00:00:45,536 --> 00:00:47,883 the tools of scientists and spies, 20 00:00:47,918 --> 00:00:49,713 of criminals and con-artists. 21 00:00:49,747 --> 00:00:51,301 I've mastered incredible tricks 22 00:00:51,335 --> 00:00:54,027 and dangerous stunts as a professional magician. 23 00:00:54,062 --> 00:00:56,582 Now, I have an encyclopedia of shortcuts, 24 00:00:56,616 --> 00:00:59,171 secret data, and helpful hacks 25 00:00:59,205 --> 00:01:01,863 designed to help you make life easier 26 00:01:01,897 --> 00:01:03,485 and give you the upper hand. 27 00:01:04,486 --> 00:01:06,385 This isHacking the System. 28 00:01:12,045 --> 00:01:13,875 If you've ever lost sleep over money, 29 00:01:13,909 --> 00:01:15,083 you're not alone. 30 00:01:15,118 --> 00:01:16,809 So I'm gonna show you a one-two punch 31 00:01:16,843 --> 00:01:18,397 that'll knock out your money woes 32 00:01:18,431 --> 00:01:19,881 and your sleepless nights. 33 00:01:19,915 --> 00:01:22,159 I'm talking about a new mattress. 34 00:01:22,194 --> 00:01:23,402 But here comes the hard part. 35 00:01:23,436 --> 00:01:26,336 Buying a mattress is, well, stressful. 36 00:01:26,370 --> 00:01:28,821 Prices vary wildly for the same product 37 00:01:28,855 --> 00:01:30,823 and can have huge markups. 38 00:01:30,857 --> 00:01:33,066 Six thousand dollars, reduced fifty percent, 39 00:01:33,101 --> 00:01:34,206 to 3,000. 40 00:01:34,240 --> 00:01:35,862 BRIAN: Like as much as 50 percent. 41 00:01:37,519 --> 00:01:39,694 One way mattress sellers get the best of us 42 00:01:39,728 --> 00:01:41,213 is by making it nearly impossible 43 00:01:41,247 --> 00:01:42,317 to compare prices. 44 00:01:42,352 --> 00:01:43,905 This is because manufacturers 45 00:01:43,939 --> 00:01:45,596 will sell the exact same mattress 46 00:01:45,631 --> 00:01:48,358 to different resellers under different names. 47 00:01:48,392 --> 00:01:50,946 So how are we supposed to know whether the Turquoise Sleep 48 00:01:50,981 --> 00:01:54,260 is really just the Sleeptron 9000 in disguise? 49 00:01:54,295 --> 00:01:55,813 Only one way to find out. 50 00:02:08,378 --> 00:02:10,138 Beautiful! 51 00:02:10,173 --> 00:02:11,208 Boom. 52 00:02:11,243 --> 00:02:12,520 Well, now that we have a baseline, 53 00:02:12,554 --> 00:02:14,246 let's see what's in mattress number two 54 00:02:14,280 --> 00:02:16,869 which cost $500 more. 55 00:02:16,903 --> 00:02:19,561 Mattress two, you're going down! 56 00:02:21,839 --> 00:02:22,909 Yeah! 57 00:02:22,944 --> 00:02:25,222 There we go. [breathing heavily] 58 00:02:25,257 --> 00:02:27,224 Well, that was highly unpractical 59 00:02:27,259 --> 00:02:28,605 and a lot of work. 60 00:02:28,639 --> 00:02:30,986 Now obviously, you can't do this at home. 61 00:02:31,021 --> 00:02:32,505 But what you can do is check out 62 00:02:32,540 --> 00:02:34,162 each of the mattress' features 63 00:02:34,197 --> 00:02:36,164 like coil count, coil pattern, 64 00:02:36,199 --> 00:02:37,510 materials, and padding. 65 00:02:37,545 --> 00:02:38,822 If they're the same, 66 00:02:38,856 --> 00:02:41,376 you may be looking at two identical mattresses, 67 00:02:41,411 --> 00:02:43,344 so it's always worth haggling. 68 00:02:43,378 --> 00:02:45,932 I'm tired. I'm gonna take a nap. 69 00:02:48,141 --> 00:02:49,212 Uh-oh. 70 00:02:49,246 --> 00:02:50,972 Stick with me, because I'm gonna expose 71 00:02:51,006 --> 00:02:53,146 some of the cheap tricks of the mattress trade. 72 00:02:53,181 --> 00:02:55,459 Take the extended warranty. 73 00:02:55,494 --> 00:02:56,564 You want a king, sir. 74 00:02:56,598 --> 00:02:58,117 Have you ever fallen asleep on a cloud? 75 00:02:58,151 --> 00:03:00,602 -Uh... -[distorted voice]: Give the king a shot. 76 00:03:02,017 --> 00:03:04,399 And guide you to a better buying experience 77 00:03:04,434 --> 00:03:06,470 from coil count to cost. 78 00:03:10,750 --> 00:03:12,959 This one store owner was so sure 79 00:03:12,994 --> 00:03:14,892 of his team's sales techniques, he agreed 80 00:03:14,927 --> 00:03:17,654 to let us put cameras inside his store. 81 00:03:17,688 --> 00:03:19,103 Here's what I found. 82 00:03:21,105 --> 00:03:22,659 Pretty nice, bounce, huh? 83 00:03:22,693 --> 00:03:23,763 [chuckles] Yeah, man. 84 00:03:23,798 --> 00:03:25,386 Hello, I'm Ken. Welcome to Mattress City, 85 00:03:25,420 --> 00:03:26,697 -and can I say something? -What's that? 86 00:03:26,732 --> 00:03:28,699 You look like a man of quality. 87 00:03:28,734 --> 00:03:30,632 You ever gone to a VIP room in a club? 88 00:03:30,667 --> 00:03:32,151 -I have. -KEN: Well... 89 00:03:32,185 --> 00:03:33,670 follow me to the Cleff. 90 00:03:35,396 --> 00:03:36,535 -Right. -KEN: Six thousand dollars 91 00:03:36,569 --> 00:03:39,054 reduced fifty percent, to 3,000. 92 00:03:39,089 --> 00:03:42,161 Uh, yeah, no. Uh, this is... I'm, I'm the... 93 00:03:42,195 --> 00:03:43,611 Sir, you don't sleep on a Cleff, 94 00:03:43,645 --> 00:03:45,164 -you drift. -[Brian chuckles] 95 00:03:45,198 --> 00:03:48,029 This guy's wasting no time trying to gouge me. 96 00:03:48,063 --> 00:03:49,548 He's hacking me psychologically 97 00:03:49,582 --> 00:03:51,757 by telling me I'm a man of quality. 98 00:03:51,791 --> 00:03:54,346 If this happens to you, don't fall for it. 99 00:03:54,380 --> 00:03:56,037 Come on. Let's start with what size you're looking for, 100 00:03:56,071 --> 00:03:57,487 are you looking for queen, looking for king? 101 00:03:57,521 --> 00:04:00,697 BRIAN: Know what size you want before you start shopping. 102 00:04:00,731 --> 00:04:02,181 If you're a big person and you have 103 00:04:02,215 --> 00:04:03,562 the space and extra bucks, 104 00:04:03,596 --> 00:04:04,839 sure, go for a king. 105 00:04:04,873 --> 00:04:07,255 Me, I'm more like the average person. 106 00:04:07,290 --> 00:04:09,222 Interested in a queen size. 107 00:04:09,257 --> 00:04:10,603 Are you looking for twin? 108 00:04:10,638 --> 00:04:12,191 Is it for you, for your wife, for the kids? 109 00:04:12,225 --> 00:04:14,607 To be honest, I'm more concerned with, like, how they feel, you know, 110 00:04:14,642 --> 00:04:16,782 kind of like getting a little, getting a little sampler 111 00:04:16,816 --> 00:04:18,784 to figure out exactly what I want. 112 00:04:18,818 --> 00:04:20,510 KEN: May I suggest starting off 113 00:04:20,544 --> 00:04:21,821 on this pillow top mattress? 114 00:04:21,856 --> 00:04:23,409 It's a medium firm. 115 00:04:23,444 --> 00:04:25,100 How does that feel, the back? How does it support? 116 00:04:25,135 --> 00:04:27,379 Uh, I will admit, it's very comfortable. 117 00:04:27,413 --> 00:04:30,140 Now, there are specialty mattresses that cost more, 118 00:04:30,174 --> 00:04:32,418 but most people buy a conventional mattress 119 00:04:32,453 --> 00:04:33,799 with an inner spring design. 120 00:04:33,833 --> 00:04:35,007 It depends on your budget 121 00:04:35,041 --> 00:04:36,836 and what feels comfortable to you. 122 00:04:37,837 --> 00:04:39,114 The best way to test it 123 00:04:39,149 --> 00:04:41,289 is to literally fall asleep on it. 124 00:04:41,324 --> 00:04:42,428 I'm not joking. 125 00:04:42,463 --> 00:04:44,361 Don't be shy, just take a snooze. 126 00:04:44,396 --> 00:04:45,880 If it feels good after a nap, 127 00:04:45,914 --> 00:04:48,331 it'’ll likely feel good after a full night's sleep. 128 00:04:48,365 --> 00:04:49,435 [snoring] 129 00:04:51,334 --> 00:04:52,369 How much are we looking at? 130 00:04:52,404 --> 00:04:54,440 Well, we're looking at something 131 00:04:54,475 --> 00:04:55,959 that's not gonna be here by one o'clock. 132 00:04:55,993 --> 00:04:58,237 It's a sale for 1,100 bucks. 133 00:04:58,271 --> 00:05:00,619 That's 50 percent off the regular price. 134 00:05:00,653 --> 00:05:02,931 BRIAN: Ugh, mattress shopping is exhausting. 135 00:05:03,932 --> 00:05:05,106 Let's take a break and check out 136 00:05:05,140 --> 00:05:06,659 some quick and easy hacks at home 137 00:05:06,694 --> 00:05:09,524 that can save you hundreds of bucks a year. 138 00:05:13,356 --> 00:05:15,841 Wanna save money using your home entertainment system? 139 00:05:15,875 --> 00:05:18,602 Don't worry, I'm not gonna tell you to cancel cable. 140 00:05:18,637 --> 00:05:20,086 Just turn down the brightness. 141 00:05:20,121 --> 00:05:21,812 Manufacturers ship them with the brightness 142 00:05:21,847 --> 00:05:22,917 cranked all the way up 143 00:05:22,951 --> 00:05:24,505 so they look good on the showroom floor. 144 00:05:24,539 --> 00:05:27,162 This can save you up to 50 bucks a year. 145 00:05:27,197 --> 00:05:29,164 Not bad for something you won't even miss. 146 00:05:29,199 --> 00:05:31,235 Replacing 100 watt bulbs throughout your house 147 00:05:31,270 --> 00:05:33,410 with compact fluorescents or LEDs 148 00:05:33,445 --> 00:05:36,758 will save you $150 the first year alone. 149 00:05:36,793 --> 00:05:38,933 Switching all your cleaning supplies to generics 150 00:05:38,967 --> 00:05:41,729 can save you over $380 a year. 151 00:05:41,763 --> 00:05:44,352 Or heck, you can even improvise your own. 152 00:05:44,387 --> 00:05:46,975 Lemons can eliminate hard water stains. 153 00:05:47,010 --> 00:05:48,839 Smells nice too. 154 00:05:48,874 --> 00:05:51,014 Got to admit, not a fan of this one, 155 00:05:51,048 --> 00:05:53,326 -but if you want serious power savings... -[beeping] 156 00:05:53,361 --> 00:05:55,398 ...set your AC to 78. 157 00:05:55,432 --> 00:05:56,916 Every degree below that 158 00:05:56,951 --> 00:05:58,987 uses three to four percent more power. 159 00:05:59,022 --> 00:06:01,921 Same thing during the winter, set your furnace to 68, 160 00:06:01,956 --> 00:06:03,440 because every degree above 161 00:06:03,475 --> 00:06:06,581 uses that same extra three to four percent. 162 00:06:06,616 --> 00:06:09,135 Washing your clothes in cold water instead of hot water 163 00:06:09,170 --> 00:06:11,759 can save you 30 bucks a year in energy costs. 164 00:06:11,793 --> 00:06:14,589 And get this, just keeping your lint trap clean 165 00:06:14,624 --> 00:06:16,384 will save you another 34. 166 00:06:18,938 --> 00:06:22,735 Here's a ridiculously easy way to save 50 bucks a year. 167 00:06:22,770 --> 00:06:24,496 Keep your closets closed. 168 00:06:24,530 --> 00:06:26,118 That's how much energy is wasted 169 00:06:26,152 --> 00:06:27,671 heating and cooling that space. 170 00:06:28,707 --> 00:06:32,435 With just a few simple tricks, I cut about $694 171 00:06:32,469 --> 00:06:34,471 from my home's annual expenses, 172 00:06:34,506 --> 00:06:37,025 and that's just the tip of the iceberg. 173 00:06:37,060 --> 00:06:39,338 I've shown you how to save money around the house, 174 00:06:39,372 --> 00:06:41,029 but wouldn't it be nice to shave something off 175 00:06:41,064 --> 00:06:42,514 the mortgage payments too? 176 00:06:43,722 --> 00:06:46,172 Instead of making single monthly payments, 177 00:06:46,207 --> 00:06:48,796 make a half payment every other week. 178 00:06:48,830 --> 00:06:49,831 Here's how it works out. 179 00:06:50,867 --> 00:06:53,110 If you're paying monthly, you're only making 180 00:06:53,145 --> 00:06:54,387 12 payments per year. 181 00:06:54,422 --> 00:06:55,734 But if you pay every other week, 182 00:06:55,768 --> 00:06:57,494 that's 26 payments. 183 00:06:57,529 --> 00:07:01,049 It works out to the equivalent of 13 monthly payments 184 00:07:01,084 --> 00:07:02,568 in the same time. 185 00:07:02,603 --> 00:07:05,157 Psychologically, you'll barely notice anything's different, 186 00:07:05,191 --> 00:07:07,435 yet you'll apply a full monthly payment 187 00:07:07,470 --> 00:07:08,436 directly to the principal, 188 00:07:08,471 --> 00:07:09,817 and over the life of the mortgage, 189 00:07:09,851 --> 00:07:11,750 it makes a huge difference. 190 00:07:11,784 --> 00:07:13,372 How big? 191 00:07:13,406 --> 00:07:16,271 If you have a $200,000 mortgage at four percent, 192 00:07:16,306 --> 00:07:18,204 over the 30-year life of the mortgage, 193 00:07:18,239 --> 00:07:19,482 this will save you... 194 00:07:20,759 --> 00:07:23,037 $23,000. 195 00:07:23,071 --> 00:07:24,521 You could buy another house. 196 00:07:26,005 --> 00:07:27,869 Of course saving money isn't the only way 197 00:07:27,904 --> 00:07:29,112 to own your own home. 198 00:07:29,146 --> 00:07:31,735 One guy bartered his way to owning a house. 199 00:07:31,770 --> 00:07:33,565 What was the first item he started with? 200 00:07:33,599 --> 00:07:35,739 Was it a red paper clip, 201 00:07:35,774 --> 00:07:37,223 a luxury sedan, 202 00:07:37,258 --> 00:07:39,985 an oil painting, or an old phone? 203 00:07:42,366 --> 00:07:44,023 The answer is... 204 00:07:44,058 --> 00:07:46,060 a single red paperclip. 205 00:07:46,094 --> 00:07:49,132 A man from Montreal started with a red paper clip, 206 00:07:49,166 --> 00:07:50,961 and 14 trades later, 207 00:07:50,996 --> 00:07:53,170 he landed the biggest trade of them all. 208 00:07:53,205 --> 00:07:55,414 A whole freaking house. 209 00:07:55,448 --> 00:07:56,622 I bet he never had to haggle 210 00:07:56,657 --> 00:07:58,417 with a mattress salesman, though. 211 00:07:58,451 --> 00:08:01,731 Speaking of which, let's get back to the mattress mayhem. 212 00:08:01,765 --> 00:08:03,974 My budget's around $1,000, 213 00:08:04,009 --> 00:08:05,355 so I'm getting closer, 214 00:08:05,389 --> 00:08:07,288 but I still want a better deal. 215 00:08:07,322 --> 00:08:09,221 KEN: What do you think so far? 216 00:08:09,255 --> 00:08:12,465 Well, I think I've nailed it down to one of these three guys. 217 00:08:12,500 --> 00:08:13,639 How many coils are you looking for? 218 00:08:13,674 --> 00:08:15,399 Uh, as many as it takes. 219 00:08:15,434 --> 00:08:17,298 Eight hundred coils, six hundred coils, 220 00:08:17,332 --> 00:08:18,644 five hundred coils. 221 00:08:18,679 --> 00:08:20,853 -The more coils it's gonna be, the firmer the mattress. -Okay. 222 00:08:20,888 --> 00:08:23,476 So long as you have a minimum number of coils, 223 00:08:23,511 --> 00:08:24,857 five hundred's a good amount, 224 00:08:24,892 --> 00:08:26,687 it should be a decent mattress. 225 00:08:26,721 --> 00:08:30,104 Anything above that is just a matter of how it feels to you. 226 00:08:30,138 --> 00:08:33,417 This is the one. I want this bed in the queen size. 227 00:08:33,452 --> 00:08:34,557 May I stop you, sir? 228 00:08:39,803 --> 00:08:41,011 You want a king, sir. 229 00:08:41,046 --> 00:08:42,599 Kings are huge. 230 00:08:42,634 --> 00:08:44,325 This guy is unbelievable. 231 00:08:44,359 --> 00:08:46,223 He's still trying to tell me what I want 232 00:08:46,258 --> 00:08:48,571 and upsell me to a more expensive item. 233 00:08:48,605 --> 00:08:51,608 When a salesman does this to you, stay firm. 234 00:08:51,643 --> 00:08:52,816 See what I did there? 235 00:08:52,851 --> 00:08:54,646 To be honest, I'd rather be on a queen. 236 00:08:54,680 --> 00:08:56,889 Then you know what, it's sold, but let me just say this, 237 00:08:56,924 --> 00:08:59,271 take the extended warranty. 238 00:08:59,305 --> 00:09:02,688 Buying an extended warranty isn't necessarily worth it 239 00:09:02,723 --> 00:09:05,035 because it doesn't cover wear and tear, 240 00:09:05,070 --> 00:09:07,831 but do make sure there's a label sewn into the fabric. 241 00:09:07,866 --> 00:09:10,731 If there's no label, do not buy the mattress. 242 00:09:10,765 --> 00:09:12,974 It's likely to be used or recycled, 243 00:09:13,009 --> 00:09:15,943 and you'll have no recourse if it's defective. 244 00:09:15,977 --> 00:09:17,600 I think I'm gonna go with this bed 245 00:09:17,634 --> 00:09:19,256 and no extended warranty. 246 00:09:19,291 --> 00:09:20,533 You take it off my hands today, 247 00:09:20,568 --> 00:09:22,570 we get up to 40 percent off, $900. 248 00:09:22,605 --> 00:09:24,814 Is this the manufacturer's minimum price? 249 00:09:24,848 --> 00:09:27,023 Asking about the manufacturer's price 250 00:09:27,057 --> 00:09:29,094 let's him know that I'm an informed buyer 251 00:09:29,128 --> 00:09:31,303 and that I demand a good deal. 252 00:09:31,337 --> 00:09:34,547 Well, it's the most my manager will allow me to take off. 253 00:09:34,582 --> 00:09:36,273 I think that's out of my price range. 254 00:09:36,308 --> 00:09:38,068 Stand firm on your budget. 255 00:09:38,103 --> 00:09:39,691 As long as they're making money, 256 00:09:39,725 --> 00:09:42,555 you should be able to negotiate a fair price. 257 00:09:42,590 --> 00:09:43,971 Well, listen, I'm gonna give you 258 00:09:44,005 --> 00:09:46,698 an additional ten percent discount. 259 00:09:46,732 --> 00:09:48,285 I think we have a deal. 260 00:09:48,320 --> 00:09:49,424 Right on, boss. Appreciate it. 261 00:09:49,459 --> 00:09:51,116 Thank you. Thank you so much. 262 00:09:51,150 --> 00:09:52,220 Finally. 263 00:09:52,255 --> 00:09:54,429 Once he realized I couldn't be intimidated, 264 00:09:54,464 --> 00:09:56,121 I got the price I wanted. 265 00:09:56,155 --> 00:09:58,433 I saved 50 percent on a mattress 266 00:09:58,468 --> 00:10:01,022 that usually sells for $1,800. 267 00:10:01,057 --> 00:10:03,784 That's $900 of savings. 268 00:10:03,818 --> 00:10:05,682 Not bad for an hour's work. 269 00:10:05,717 --> 00:10:08,029 I'll sleep well tonight knowing that so far 270 00:10:08,064 --> 00:10:11,688 my hacks have saved me nearly 25 grand. 271 00:10:11,723 --> 00:10:13,725 So, you got a good night's sleep, 272 00:10:13,759 --> 00:10:15,002 now you want a cup of coffee. 273 00:10:15,036 --> 00:10:16,935 One report reveals that we spend 274 00:10:16,969 --> 00:10:19,489 almost as much on a java jolt per year 275 00:10:19,523 --> 00:10:20,835 as we do on commuting. 276 00:10:20,870 --> 00:10:24,045 We all know that cutting out expensive treats adds up, 277 00:10:24,080 --> 00:10:26,634 but here's a reminder of just how much. 278 00:10:31,121 --> 00:10:32,985 Let me get that Mayan mocha. 279 00:10:33,020 --> 00:10:35,747 Just five dollars a week invested at eight percent, 280 00:10:35,781 --> 00:10:40,199 in five years turns into $1,596. 281 00:10:40,234 --> 00:10:43,616 After 20 years, it's nearly $13,000. 282 00:10:43,651 --> 00:10:44,790 Keep doing it for 30 years, 283 00:10:44,825 --> 00:10:48,552 and you have over $30,000 of cold, hard cash. 284 00:10:49,622 --> 00:10:51,486 BARISTA: So do you want the coffee or not? 285 00:10:51,521 --> 00:10:52,798 [clicks tongue] I don't know. 286 00:10:52,833 --> 00:10:54,248 Looks more expensive now. 287 00:10:55,698 --> 00:10:57,216 Cutting out fancy drinks may be 288 00:10:57,251 --> 00:10:58,735 an option for some of us, 289 00:10:58,770 --> 00:11:00,530 but there's a few necessities we all need. 290 00:11:00,564 --> 00:11:02,739 Food, water, shelter, clothing, 291 00:11:02,774 --> 00:11:04,707 and haircuts. 292 00:11:04,741 --> 00:11:06,674 According to one survey, 293 00:11:06,709 --> 00:11:09,366 hair salons are the third most patronized businesses 294 00:11:09,401 --> 00:11:10,643 in the United States. 295 00:11:10,678 --> 00:11:12,266 The only place we spend more time 296 00:11:12,300 --> 00:11:14,337 is pizza joints and car washes. 297 00:11:14,371 --> 00:11:16,649 And some people are spending huge amounts of money 298 00:11:16,684 --> 00:11:18,134 to invest in, let's face it, 299 00:11:18,168 --> 00:11:20,136 something that's not gonna last very long. 300 00:11:20,170 --> 00:11:22,069 If you want to save some of that hard-earned cash 301 00:11:22,103 --> 00:11:24,140 and put it into something that will pay a better dividend, 302 00:11:24,174 --> 00:11:25,382 I got a hack for you. 303 00:11:29,248 --> 00:11:31,319 The Bureau of US Labor Statistics 304 00:11:31,354 --> 00:11:32,769 estimates that we're gonna need 305 00:11:32,804 --> 00:11:35,082 13 percent more cosmetologists, 306 00:11:35,116 --> 00:11:39,189 barbers, and hairdressers between 2012 and 2022. 307 00:11:39,224 --> 00:11:40,812 And where do you think they get trained? 308 00:11:40,846 --> 00:11:42,399 Beauty schools like this one. 309 00:11:42,434 --> 00:11:44,781 With a constant demand for trained professionals, 310 00:11:44,816 --> 00:11:47,508 there's thousands of schools like this all over the country. 311 00:11:47,542 --> 00:11:49,544 You can often get a great haircut for free 312 00:11:49,579 --> 00:11:52,168 or just pay a small tip, and if you don't like it, 313 00:11:52,202 --> 00:11:54,032 in four weeks you can try again. 314 00:11:55,171 --> 00:11:57,829 The average guy spends $28 on a haircut. 315 00:11:57,863 --> 00:12:00,107 Women spend an average of $44. 316 00:12:00,141 --> 00:12:01,625 Over the course of 30 years, 317 00:12:01,660 --> 00:12:05,077 this one trick can save you $10,000 or more 318 00:12:05,112 --> 00:12:06,561 for a once-a-month trim. 319 00:12:07,562 --> 00:12:09,530 I like it. Feeling good. 320 00:12:09,564 --> 00:12:10,945 [buzzer sounds] 321 00:12:10,980 --> 00:12:12,705 Just kidding. 322 00:12:12,740 --> 00:12:14,466 Nice job, Needia. 323 00:12:14,500 --> 00:12:15,605 Thank you. 324 00:12:15,639 --> 00:12:17,641 Cost of my haircut, zero dollars. 325 00:12:17,676 --> 00:12:19,333 Of course I did leave a tip... 326 00:12:19,367 --> 00:12:20,610 in cash. 327 00:12:21,956 --> 00:12:23,820 Now we can't talk about financial hacks 328 00:12:23,855 --> 00:12:25,718 without mentioning those little cards 329 00:12:25,753 --> 00:12:28,031 that put the average American household into... 330 00:12:28,066 --> 00:12:29,653 oh, I don't know. 331 00:12:29,688 --> 00:12:33,002 Just $15,000 worth of debt. 332 00:12:36,902 --> 00:12:39,042 Credit cards. If you're like most Americans, 333 00:12:39,077 --> 00:12:41,389 they make it way too easy to impulse buy 334 00:12:41,424 --> 00:12:42,839 and rack up the debt. 335 00:12:42,874 --> 00:12:44,185 Jason, what's the last thing you bought 336 00:12:44,220 --> 00:12:45,428 with your credit card? 337 00:12:45,462 --> 00:12:48,983 Uh... it was a Mr. T alarm clock. 338 00:12:49,018 --> 00:12:50,433 Why am I not surprised? 339 00:12:50,467 --> 00:12:51,848 It's an alarm clock, 340 00:12:51,883 --> 00:12:54,402 but it's Mr. T, and it says "I pity the"-- 341 00:12:54,437 --> 00:12:56,335 It sounds stupid when you say it out loud. 342 00:12:56,370 --> 00:12:57,509 No, actually, that's perfect. 343 00:12:57,543 --> 00:12:58,786 That's exactly the kind of thing 344 00:12:58,821 --> 00:13:00,098 that you think you need 345 00:13:00,132 --> 00:13:02,203 and then maybe regret later. 346 00:13:02,238 --> 00:13:03,618 When I was getting out of debt, 347 00:13:03,653 --> 00:13:05,068 I didn't wanna cut up my credit cards 348 00:13:05,103 --> 00:13:07,277 because I knew I might need one for an emergency, 349 00:13:07,312 --> 00:13:09,348 so I used a commitment device. 350 00:13:09,383 --> 00:13:10,833 [humming] 351 00:13:12,386 --> 00:13:13,421 Here we go. 352 00:13:15,389 --> 00:13:16,631 Is that my credit card? 353 00:13:16,666 --> 00:13:17,909 Yup. 354 00:13:17,943 --> 00:13:19,807 Why? Why-Why would you do this? 355 00:13:19,842 --> 00:13:21,809 Because you still have it for emergencies, 356 00:13:21,844 --> 00:13:23,500 and if there's something you really want, 357 00:13:23,535 --> 00:13:25,157 you have to wait for it to thaw out. 358 00:13:25,192 --> 00:13:27,159 And if it is an impulse buy, maybe you'll think twice 359 00:13:27,194 --> 00:13:28,471 about that Mr. T alarm clock. 360 00:13:28,505 --> 00:13:30,887 No, I don't want to carry around my ice chest 361 00:13:30,922 --> 00:13:31,888 while I'm shopping. 362 00:13:31,923 --> 00:13:33,372 Then spend cash. 363 00:13:33,407 --> 00:13:35,858 Psychologically, it tricks you into being more frugal, 364 00:13:35,892 --> 00:13:37,411 and the higher the denomination bill 365 00:13:37,445 --> 00:13:40,103 and the crisper it is, the less you wanna part with it. 366 00:13:40,138 --> 00:13:43,210 All right. So Jason's clearly not buying into this hack, 367 00:13:43,244 --> 00:13:46,627 but if he had, he might have been $15,000 richer. 368 00:13:49,664 --> 00:13:52,633 If freezing your credit card seems a little extreme, 369 00:13:52,667 --> 00:13:55,118 another way to get ahead is to just make more money, 370 00:13:55,153 --> 00:13:57,155 and one of the best ways to do that 371 00:13:57,189 --> 00:13:58,984 is to simply ask for it. 372 00:13:59,019 --> 00:14:00,399 My buddy Adam here, 373 00:14:00,434 --> 00:14:02,022 he's been working for the same company 374 00:14:02,056 --> 00:14:03,402 for over a year 375 00:14:03,437 --> 00:14:06,336 and while he's been taking on more and more responsibility, 376 00:14:06,371 --> 00:14:08,856 he hasn't been taking in more cash. 377 00:14:08,891 --> 00:14:10,375 That's where I come in. 378 00:14:14,827 --> 00:14:16,415 I'm gonna be keeping an eye on you, 379 00:14:16,450 --> 00:14:18,866 and I want you to listen to my cues, all right? 380 00:14:18,901 --> 00:14:20,833 I told Adam to arrange to meet his boss 381 00:14:20,868 --> 00:14:22,525 at a local coffee shop. 382 00:14:22,559 --> 00:14:24,216 It's neutral ground and a good place 383 00:14:24,251 --> 00:14:26,011 to make him feel comfortable. 384 00:14:26,046 --> 00:14:27,633 I know the owners, and they're allowing me 385 00:14:27,668 --> 00:14:29,428 to monitor events from nearby 386 00:14:29,463 --> 00:14:31,637 using hidden cameras and microphones. 387 00:14:31,672 --> 00:14:34,502 Can you hear me? Check, check, check, check. 388 00:14:34,537 --> 00:14:36,504 -You'’ve got this, man. Come on. -All right, all right. 389 00:14:36,539 --> 00:14:39,128 -Chin up. Chest out. Power pose! -All right. 390 00:14:40,129 --> 00:14:41,854 While Adam meets with his boss, 391 00:14:41,889 --> 00:14:44,305 I'll be able to coach him through a small earpiece. 392 00:14:47,930 --> 00:14:49,448 Deep breath, man. You got this. 393 00:14:49,483 --> 00:14:52,589 Asking for a raise can be nerve-wracking. 394 00:14:52,624 --> 00:14:53,936 Remember what we talked about, bro. 395 00:14:53,970 --> 00:14:55,351 Make him comfortable. 396 00:14:56,455 --> 00:14:57,629 Don't let him get on edge. 397 00:14:58,630 --> 00:14:59,942 All right. Here we go. 398 00:15:01,322 --> 00:15:03,497 I understand the kind of constraints that you're under 399 00:15:03,531 --> 00:15:07,052 and I also understand if your answer is... 400 00:15:07,087 --> 00:15:08,536 um, not right now. 401 00:15:08,571 --> 00:15:11,125 -No! -But I just thought that it would be 402 00:15:11,160 --> 00:15:13,645 healthy to open up the lines of communication. 403 00:15:13,679 --> 00:15:15,716 Now, we got to see if we can turn this around. 404 00:15:15,750 --> 00:15:18,029 Oh, I'm glad you can be reasonable. 405 00:15:18,063 --> 00:15:19,513 Ask him for the same thing. 406 00:15:20,928 --> 00:15:23,931 All I'm asking from you is the same in return. 407 00:15:23,966 --> 00:15:25,139 Absolutely. 408 00:15:25,174 --> 00:15:26,727 Asking your boss to be reasonable 409 00:15:26,761 --> 00:15:28,108 is a non-threatening way 410 00:15:28,142 --> 00:15:30,662 to gain more control over the conversation. 411 00:15:30,696 --> 00:15:32,595 It sets a bar for his decisions, 412 00:15:32,629 --> 00:15:35,184 but it doesn't feel like you're asking for too much. 413 00:15:35,218 --> 00:15:37,151 You're a vital part of the team. 414 00:15:37,186 --> 00:15:40,016 It's just that times are tough all over right now. 415 00:15:40,051 --> 00:15:42,536 Ugh, we've all heard this one before. 416 00:15:42,570 --> 00:15:44,055 When you hear something like this, 417 00:15:44,089 --> 00:15:46,367 it's time to break out your secret weapon. 418 00:15:46,402 --> 00:15:48,542 CPI. CPI. Mention CPI. 419 00:15:50,095 --> 00:15:53,340 The CPI alone has gone up two percent just this year. 420 00:15:53,374 --> 00:15:55,721 Okay. So this is a bit of a bluff. 421 00:15:55,756 --> 00:15:57,654 Truth is, Adam doesn't have a clue 422 00:15:57,689 --> 00:15:59,656 exactly how much the Consumer Price Index 423 00:15:59,691 --> 00:16:00,899 has gone up this year, 424 00:16:00,933 --> 00:16:03,315 but we're banking on the boss just being impressed 425 00:16:03,350 --> 00:16:04,730 with his overall awareness. 426 00:16:06,077 --> 00:16:07,285 Hope it works. 427 00:16:08,941 --> 00:16:10,909 So what are you looking for? 428 00:16:10,943 --> 00:16:13,946 What I'm looking for is ten percent. 429 00:16:13,981 --> 00:16:16,190 I want a ten percent increase. 430 00:16:16,225 --> 00:16:17,053 Now... 431 00:16:18,158 --> 00:16:21,782 surely by now, I've proven my worth as an employee. 432 00:16:21,816 --> 00:16:23,991 Now we're talking. I like that confidence. 433 00:16:24,026 --> 00:16:26,062 Ten percent? 434 00:16:26,097 --> 00:16:27,132 Ten percent. 435 00:16:29,790 --> 00:16:31,723 Well, I'll tell you, I'll sit down with accounting, 436 00:16:31,757 --> 00:16:34,208 and I'll see what we can do. 437 00:16:34,243 --> 00:16:35,727 No, no, no, no. You need them to make 438 00:16:35,761 --> 00:16:37,694 a commitment now if possible. 439 00:16:37,729 --> 00:16:41,595 Is it possible I can have an answer by the end of the day? 440 00:16:41,629 --> 00:16:42,906 I'll see what I can do. 441 00:16:44,874 --> 00:16:46,669 BRIAN: Ask him what he thinks you're worth. 442 00:16:47,946 --> 00:16:49,913 What do you think I'm worth? 443 00:16:49,948 --> 00:16:52,088 BRIAN: By asking him to put a value on you, 444 00:16:52,123 --> 00:16:54,297 it forces him to commit to something. 445 00:16:54,332 --> 00:16:56,575 More importantly, it puts him on defense 446 00:16:56,610 --> 00:16:59,371 because he has to explain why you shouldn't get a raise. 447 00:16:59,406 --> 00:17:02,788 Well, I-I agree that you're a valuable employee. 448 00:17:02,823 --> 00:17:03,824 -And, uh... -Thank you. 449 00:17:03,858 --> 00:17:05,446 This is good. He knows he's underpaying you. 450 00:17:05,481 --> 00:17:08,932 Ten percent isn't unreasonable. 451 00:17:08,967 --> 00:17:10,175 BRIAN: I'm calling that a win. 452 00:17:10,210 --> 00:17:11,763 Shake his hand. Get the hell out of there. 453 00:17:11,797 --> 00:17:13,144 -All right, yeah. -That's all I can ask. 454 00:17:13,178 --> 00:17:14,973 -Thank you. I'm not gonna let you down. -BOSS: All right. 455 00:17:18,735 --> 00:17:20,875 Dude, you freaking killed it. 456 00:17:20,910 --> 00:17:23,430 -How does it feel? -It feels really good. 457 00:17:23,464 --> 00:17:24,983 You feel a little taller now, right? 458 00:17:25,017 --> 00:17:26,191 I do, yeah. 459 00:17:26,226 --> 00:17:27,710 Are you tall enough to buy me a drink now? 460 00:17:27,744 --> 00:17:33,543 Adam negotiated another $7,500 a year just by asking. 461 00:17:33,578 --> 00:17:36,581 Earning more money is great, but saving money helps too. 462 00:17:36,615 --> 00:17:40,516 Which billionaire stays in budget hotels while traveling 463 00:17:40,550 --> 00:17:43,553 and buys practical cars that have high gas mileage? 464 00:17:43,588 --> 00:17:46,211 Is it Sir Richard Branson, 465 00:17:46,246 --> 00:17:48,696 Frederik Meijer, or Bill Gates? 466 00:17:49,904 --> 00:17:51,078 The answer is... 467 00:17:52,148 --> 00:17:53,632 Frederik Meijer. 468 00:17:53,667 --> 00:17:55,807 Meijer was raised during the Great Depression 469 00:17:55,841 --> 00:17:57,774 and made his fortune from the Meijer grocery 470 00:17:57,809 --> 00:17:59,397 and merchandise chain. 471 00:17:59,431 --> 00:18:01,053 I mean, you can't blame a guy from that era 472 00:18:01,088 --> 00:18:02,848 for buying practical cars. 473 00:18:02,883 --> 00:18:05,299 ANNOUNCER [on speaker]: Ladies and gentlemen, 474 00:18:05,334 --> 00:18:08,889 we have a beautiful four-door luxury sedan. 475 00:18:08,923 --> 00:18:11,478 BRIAN: A luxury car sounds sexy, doesn't it? 476 00:18:11,512 --> 00:18:13,721 Sleek, smooth, fast... 477 00:18:14,722 --> 00:18:15,827 and expensive. 478 00:18:15,861 --> 00:18:18,278 But what if you could get an older one cheap? 479 00:18:18,312 --> 00:18:19,934 Like this Lexus. 480 00:18:19,969 --> 00:18:22,247 We're gonna start the bidding off at $1,200. 481 00:18:22,282 --> 00:18:23,938 Twelve hundred dollars. We have $1,200. 482 00:18:23,973 --> 00:18:25,285 I can get 1,300. 483 00:18:25,319 --> 00:18:26,493 Thirteen hundred dollars... 484 00:18:26,527 --> 00:18:28,288 BRIAN: Good car auctions could be hard to find. 485 00:18:28,322 --> 00:18:31,049 I need $1,600. $1,600. 486 00:18:31,083 --> 00:18:33,120 We have 1,700. I need $1,800. 487 00:18:33,155 --> 00:18:35,985 We have $1,800. The number 19. I need, I need... 488 00:18:36,019 --> 00:18:37,711 BRIAN: But if you're looking for ways to save money... 489 00:18:37,745 --> 00:18:38,988 We have $1,800, going once. 490 00:18:39,022 --> 00:18:41,093 BRIAN: ...and you do your research... 491 00:18:41,128 --> 00:18:42,716 Eighteen hundred dollars going twice. 492 00:18:42,750 --> 00:18:44,269 BRIAN: ...you could get a great deal 493 00:18:44,304 --> 00:18:45,477 on a car you might not otherwise 494 00:18:45,512 --> 00:18:47,134 ever be able to afford. 495 00:18:47,169 --> 00:18:48,342 Sold! 496 00:18:48,377 --> 00:18:50,413 -Come on up here, sir. -[laughing] 497 00:18:54,245 --> 00:18:55,591 Now, you won't find the car of your dreams 498 00:18:55,625 --> 00:18:56,799 in a place like this, 499 00:18:56,833 --> 00:18:58,352 but you could find a reliable truck 500 00:18:58,387 --> 00:19:00,389 or a good first car for your kid. 501 00:19:00,423 --> 00:19:02,977 With a little bit of research, preparation, and support, 502 00:19:03,012 --> 00:19:05,566 you could save thousands on your next car purchase. 503 00:19:05,601 --> 00:19:08,811 First, try to find a public bank or government auction. 504 00:19:08,845 --> 00:19:10,330 These guys just want to make a few bucks 505 00:19:10,364 --> 00:19:12,677 on a losing investment or old vehicle. 506 00:19:12,711 --> 00:19:14,230 Do your homework. 507 00:19:14,265 --> 00:19:16,957 Look up online beforehand which cars are for sale. 508 00:19:16,991 --> 00:19:18,648 Often times, they'll list the VIN 509 00:19:18,683 --> 00:19:21,203 so you could do a complete vehicle history search. 510 00:19:23,653 --> 00:19:25,207 If you can, bring along a mechanic 511 00:19:25,241 --> 00:19:27,312 or at least know what you're looking for, 512 00:19:27,347 --> 00:19:28,624 and limit your searches. 513 00:19:28,658 --> 00:19:32,283 I found this luxury sedan valued at over $5,000 used 514 00:19:32,317 --> 00:19:34,112 and I got it for under two. 515 00:19:35,700 --> 00:19:37,840 Inspect that car like you're a detective. 516 00:19:37,874 --> 00:19:41,395 Look for major body work that might be concealing damage. 517 00:19:42,707 --> 00:19:44,571 All right. Let's take a look here. 518 00:19:44,605 --> 00:19:46,504 Here's a counter-intuitive one. 519 00:19:46,538 --> 00:19:48,471 Check out the radio presets. 520 00:19:48,506 --> 00:19:51,233 If you get a bunch of easy listening or oldies stations, 521 00:19:51,267 --> 00:19:52,924 maybe the car was owned by somebody older 522 00:19:52,958 --> 00:19:54,201 and more responsible, 523 00:19:54,236 --> 00:19:55,892 which means proper maintenance. 524 00:19:55,927 --> 00:19:57,549 With a little bit of legwork and research, 525 00:19:57,584 --> 00:19:58,792 I was able to get this car 526 00:19:58,826 --> 00:20:00,794 for less than half of its booked value, 527 00:20:00,828 --> 00:20:03,106 and the best part is, I won't get bent out of shape 528 00:20:03,141 --> 00:20:04,694 first time it gets a dent. 529 00:20:06,213 --> 00:20:08,802 With a few super simple hacks, I've shown you ways 530 00:20:08,836 --> 00:20:12,564 to save almost $100,000 in a matter of no time. 531 00:20:12,599 --> 00:20:13,772 But that's not all. 532 00:20:13,807 --> 00:20:16,948 I bet you didn't know there's 42 billion dollars 533 00:20:16,982 --> 00:20:19,744 just sitting out there waiting to be claimed, 534 00:20:19,778 --> 00:20:22,229 and some of it is probably yours. 535 00:20:22,264 --> 00:20:25,819 Every state in the US has an unclaimed property program, 536 00:20:25,853 --> 00:20:27,269 where they keep track of money 537 00:20:27,303 --> 00:20:28,787 from abandoned savings accounts, 538 00:20:28,822 --> 00:20:31,203 overpaid bills, uncashed payroll checks, 539 00:20:31,238 --> 00:20:32,274 and more. 540 00:20:32,308 --> 00:20:33,482 So I'm out on the streets 541 00:20:33,516 --> 00:20:35,691 to see how many people actually have 542 00:20:35,725 --> 00:20:37,451 unclaimed money owed to them. 543 00:20:37,486 --> 00:20:40,316 It's Free Money Friday. Who wants money? 544 00:20:40,351 --> 00:20:41,421 -What was your name, man? -Resum. 545 00:20:41,455 --> 00:20:43,319 -Resum, where are you from? -I'm from LA. 546 00:20:43,354 --> 00:20:45,321 BRIAN: All it takes is entering your name 547 00:20:45,356 --> 00:20:47,219 in an easily searchable database 548 00:20:47,254 --> 00:20:49,463 to find out if there's any money owed to you. 549 00:20:49,498 --> 00:20:51,741 Ah! It says sorry, at this time 550 00:20:51,776 --> 00:20:53,916 you're not owed any money. 551 00:20:53,950 --> 00:20:55,780 -Thank you very much. -You got it, man. 552 00:20:55,814 --> 00:20:57,575 Hey, buddy. You're blinged out better than I am. 553 00:20:57,609 --> 00:20:58,990 -What's your name, man? -Greg Donavan. 554 00:20:59,024 --> 00:21:00,957 -You hold on to that. -Okay. 555 00:21:00,992 --> 00:21:03,719 Cash reported, $100. 556 00:21:03,753 --> 00:21:05,824 Wow. [laughing] 557 00:21:05,859 --> 00:21:07,343 -Hey, boss, I'm Brian. What's your name? -How you doing, sir? 558 00:21:07,378 --> 00:21:09,241 -Mr. Muscle. -Mr. Muscle. 559 00:21:09,276 --> 00:21:12,003 -Over $100. -Oh, really? 560 00:21:12,037 --> 00:21:15,006 -Woo! -You know. 561 00:21:15,040 --> 00:21:18,043 You are owed just under a hundred dollars 562 00:21:18,078 --> 00:21:20,529 by the State of Texas Transportation Department. 563 00:21:20,563 --> 00:21:22,047 I knew they owed me some money. 564 00:21:22,082 --> 00:21:24,498 -Congratulations! Well done. -Yeah, boy! 565 00:21:24,533 --> 00:21:26,189 A hundred dollars! Yeah! 566 00:21:26,224 --> 00:21:28,053 BRIAN: Now, who says money can't buy happiness? 567 00:21:28,088 --> 00:21:30,332 -I mean, not this guy. -You know! 568 00:21:30,366 --> 00:21:31,333 Captioned by Point.360