¶ Intro / Opening
The things that scare us the most are often the biggest opportunities , and if we do not leverage those opportunities very much like we're going to talk about in today's episode , where I did not want to leverage AI as an opportunity unfortunately and I don't want to be the guy to say this you might end up being left behind and I do not want that for you .
Humble curiosity and a deep , deep , deep passion to learn yourself others in the world is critical . Ai can help you learn so much in so much less time . It's an absolute game changer .
Welcome to Next Level University . I'm your host , kevin Palmieri , and I'm your co-host , alan Lazarus . At NLU , we believe in a heart-driven but no BS approach to holistic self-improvement for dream chasers .
Our goal with every episode is to help you level up your life , love health and wealth .
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Welcome to Next Level University , next Level Nation . Today for episode number 2077 . Ai can help you get to the next level nation today for episode number 2077 . Ai can help you get to the next level . I had a moment where I was thinking to myself we're not going to talk at all about how ai is going to make you . It's going to allow you to be lazier .
So if you think that's what this episode is about , hang out , because we're that's not where we're going . It's not how to achieve more in less time . It's not that
¶ Using AI to save real money
. Alan logged on today and I was like dude , I am so deep in chat gpt right now so I bought a new car . My car is an electric vehicle . I thought electric was way cheaper than it is , so when I saw that , I was like I'm only gonna be saving like 40 bucks a month in gas . Fuck that . I gotta figure out a way to save more . How do I save more ?
So I went into chat gpt and I said on a 30 000 mile over the course of three years , please give me all the numbers on how I can save as much money humanly possible between fast charging and long form charging . Blah , blah , blah , blah .
And it gave me this beautiful breakdown and I essentially went from being able to save like 20 to 30 bucks a month to anywhere from 60 to 80 bucks a month . That would not be possible for me unless I went and learned a ton about math and or just said , all right , I'm going to sit here for the next four hours and I'm going to crunch .
All right , it's four dollars and 25 cents per gallon for premium . My tank was this size . I was driving this amount . This is the mileage I was getting our crew and let me try to figure out kilowatt per hour . I'm there's no way I would have called it quits and then said , yeah , I'm saving some money , pretty good .
But now I have a plan of attack and I have a ton of certainty and I feel really good , and that is because of of ai . I know ai gets villainized . I think everything gets villainized because there are downsides to everything .
But if you are closed off to ai , you are closed off to a shitload of growth and so much opportunity , and I do not want that to happen to you .
¶ YouTube Vs. ChatGPT Vs. Google
Our furnace went down three weeks ago and I spent my life studying computers , computer engineering , business , science , technology , engineering , mathematics , business and finance , so STEMBIF is what I call it . I don't know a ton about furnaces . I go downstairs , I take a look . Don't know what the fuck I'm looking at . Hammer YouTube .
I go downstairs I take a look . Don't know what the fuck I'm looking at . Hammer YouTube . Within three videos I have an idea of what's wrong . We call somebody . There's a number right on the furnace . Boom , they're in here . Very respectful guy . We got his number . We're good , reasonable charge .
I think AI is just a faster Google and I was thinking about this with Emilia recently . We asked ourselves a question Our parents , how old were they when Google was founded ? I sent you an image of Google in 1998 . It's like in a garage and now it's in 2024 or 25 , 2024 , the image that I sent you . It's before and after . It's a transformation photo .
And now it's this huge complex with solar panels on the roof and all kinds of stuff . It's before and after . It's a transformation photo , and now it's this huge complex with solar panels on the roof and all kinds of stuff .
And ChatGPT is something that we use at our company not to do less but to learn more , and I think ChatGPT is just a customized version of Google . I was on with someone recently . I was on a podcast . I was on with someone recently .
I was on a podcast , and the guy said something along the lines of do you remember back in the day when if you wanted to learn about Egyptians , you used to have to go to the fucking library and find a book with the Dewey Decimal System on Egyptians , the Dewey Decimal Throwback , Throwback to the Dewey Decimal System ?
You remember in middle school we had a little library there . Yeah , of course . Yeah , the dewey decimal system . Some guy named dewey remember book ?
uh what was it ? You get to go buy books like the scholastic book fair baby , yeah , remember that I , I , I would get like some erasers . I would get some , yeah , I would get some erasers . Mostly , for some reason , I liked erasers .
I so deeply wish that we could go and talk to kids and just explain why . Oh , they'd hate us for sure I would . I gotta find a way around that .
I was onto the . You dress up as Elmo . You're in Done , Done .
Guaranteed Elmo with books yeah with books . I guaranteed elmo with books , yeah with books . I was on with a young man named christian yesterday . His mother saw me at toastmasters and was blown away . She emails me . You gotta talk to my son . This is actually a thing that's been happening over the last decade . I used to mentor a kid . He was into basketball .
I helped him with basketball and his school . It was cool . This is way . In the early days when I wasn't making any money , I actually made like 50 bucks an hour doing that , hell yeah , hell yeah yeah , yeah , I'll play basketball . 50 bucks an hour , absolutely right .
I was back when I had a bunch of money in the bank . Are you technically professional ? Have you been ? You've been paid to play I don't know , I will .
fitness modeling . I remember my first paycheck . I was like it's official baby 500 bucks for a photo shoot , let's go , but anyways . So I was on with this man named christian and I had this moment of he's 20 years old and I don't want this to sound condescending , I just need to keep it real . It's very clear . He doesn't know almost anything compared to me .
Now I also watched an episode , episode 20 , with me and you .
¶ The compound effect of knowledge
This is from seven years ago seven years ago and it's very clear that we know very little compared to what we know now . It's the accumulated compound effect of knowledge over time Knowledge plus experience plus reflection . We underestimate the compound effect of knowledge so much . It's crazy . I wish we could talk to us eight years ago .
I wish we could talk to us 16 years ago . Kevin wish we could talk to us 16 years ago . Kevin and I . Every now and then we'll go back to Facebook messages we sent , because Facebook was around since basically 2005-ish is when colleges had it , and then after 2007, . 2008 is when it started to get bigger , and then around by 2010, .
It was pretty big for kids , our age , millennials , and then eventually aunts , uncles , everybody got on there . It's so clear . Looking back at those messages there was this girl I was dating and I looked back at the message threads it's like can you shut your fucking mouth .
You got to be in a really good place to get that Like , if you're in a bad place , do not go . Look at your old messages . It wasn't .
I wasn't disrespectful , it was just , she doesn't fucking care man , yeah she doesn't give a shit about that . Just shut your fucking mouth and let her just come to you a little bit here . What are we doing here ? So I was philosophizing all over because when I found personal development , I thought everyone wanted to know .
And now I realize no one gives a shit . And if they do they , they listen to the podcast . But at the end of the day , what's my point of all this ? I know we're talking about AI . So AI I have several different clients , kev , several other clients I coach Kev . You guys are just using AI
¶ Better questions, smarter outcomes
constantly . Chatgpt is the one we use and you guys are just asking it tons and tons and tons and tons and tons and tons and tons of questions . And , quite frankly , as condescending as this is going to come off , I just have to have the courage to say it . It's very clear you guys are all thinking much more long term than you used to .
For sure , because chat gpt if you ask it the right questions , it can give you a long-term game plan . Like I just crunched to the numbers , kevin's gonna save 80 bucks a month . With the research he just did for 36 months , that's three grand . So you invested how much time . So you invested how much time ? About 20 minutes . Okay . So he made $3,000 , $2,880 .
$2,880 , 80 times 36 , that's three years . The lease that you got is three years . You just saved $2,880 in 20 minutes . If you could go make $2,880 an hour as a matter of fact , let's actually do the hourly on that . So , real quick , and this is actually how my brain thinks $2,880 times three , that's 60 minutes . So it was 20 minutes .
It took Kevin 20 minutes to save $2,880 over the course of the next three years . By all the research you just did , okay , that means you made $8,640 an hour . Ballin' . That's a good use of your time . I don't . Here's what I would say ChatGPT will help you make better chess moves . Chess is a good metaphor for life .
There are good decisions and there are fucking terrible decisions and there is everything in between and there is a more optimal choice and chat gpt can help you make really good choices .
¶ Next Level Dreamliner: The planner, agenda, journal, and habit tracker to rule them all. Get a copy:
Hello , hello , hello . Nlu listener , thank you , as always , for listening to next level university . Real quick . I just want to jump in and let you know about the next level dreamliner . This is a journal that I use every single day . Achieve your dreams 90 days at a time . It breaks down your dreams into goals , milestones and daily habits .
We hope you enjoy it . The link will be in the show notes .
¶ Real example: EV deal breakdown
So I'll be very honest and transparent , and I don't know . We always try to do that . I did not intend on buying a new car . I saw that it was . You were getting 7500 off . There's a 7500 incentive . That is a lot of fucking money .
So I was like interesting is that government oriented too I think so , yeah , yeah , I think the us government is trying to push electric . Yeah , it's an ev incentive , yeah , so I was like all right , really friendly . 7500 off interesting . I already have a bmw so I get another thousand dollars off . Interesting .
And when I started talking to them they said we have a 5500 dealer incentive as well . And I said is that on top ? I went into chat gpt and said are these numbers real , do they make sense and what questions should I ask ? Gave me a list cool .
I messaged the person back and said is that fifty five hundred dollar incentive off of the , the manufacturer's suggested retail price , or is that included ? They said off cool . I found a sixty five thousand dollar car .
That sixty five thousand just got knocked down to sixty thousand because that five thousand dollars off and there was another 8 500 off , so that 60 000 car is now 52 , 5 and they definitely over paid me on my trade-in . I owed 33 000 on my trade and they didn't even say anything about it . They're like I don't worry about , it's taken care of .
So I get a $65,000 car for probably $50,000 . Uh , less than that .
Yeah , probably 48 .
Yeah , you know how much I paid for my previous car $50,000 . Do you know what my monthly payment was ? $760 . Do you know what my new monthly payment is ? $599 . I spent three hours in chat GPT crunching the numbers . Give me a checklist . What do I ask ? I learned so much . I was super excited .
I would have got raked over the coals if I didn't have that data .
This is why knowledge is power . You have the power . You went into that situation . I still had to do . I didn't want to . I know it's potential power . I was like you went in with the knowledge and you had the certainty Belief I think is just certainty Well .
I literally said to the guy I said I'm not paying any more than 550 bucks a month . And I fucking , I got soft , I softened up . But when we got to 600 , he's like , all right , why don't we meet in the middle Six , 75 . I said I'm , I'm telling you I'm not paying any more than 600 . I don't need it . Like I have a car , I love my car .
I don't want to get rid of it to be in baby .
I don't need it , but that was . I want it . But I don come at you with this . You should leave . If they come at you with this , this is your and it was just . It was just a level of certainty . Why do we not like certain places car dealerships being one ?
Because we don't know how they work there's , we don't know what the conversations are behind the scenes . When they say I gotta go talk to my manager and that helped it helped me for sure so I've I coached several different people who work at dealerships .
¶ Cheat codes from coaching clients
That's one of the best parts about coaching . You just get every cheat code in every industry . It's awesome . For sure , no one can fuck with you if you know more than they do . That's facts . It's awesome . Yeah , no one can fuck with me . It's like listen , we were . We were selling her Prius Funniest shit ever . They come in first of all Facebook marketplace .
Priuses she , she listed it .
She got within a week , everybody it was . We had eight people Right and I said , sweetheart , we can't . We're not car dealers , what do you know ? Let's get this done Right , if they need to go down , we're going to go down to seven . We're never going to go lower than seven . She's like good , we get in the car that you get there .
This guy brings another guy who knows cars and Priuses . He's like well , you know I don't know if you know about this fucking this I said , listen , brother , let me save you some time . We have six other people this week . One of them's in our condo complex . We run three businesses between the two of us . Save yourself the breath .
If you want the car , you can have it 7,000 cash , otherwise get out .
I was kinder than that , politely fuck right off .
Yeah , he was . She's a girl . I don't know about cars , but I know business . Motherfucker , do not mess with me , be a niss , so be a niss . But that's the value . And again , I just think knowledge is power , because when you're smarter than other people , they can't mess with you . I look back to us back in those days , seven years ago .
Too dumb , too naive , too naive we could never . Too dumb , too naive , too naive , we could never Dude us . Back then , that level of consciousness could never have handled what we're doing now . I mean , you overpay , you underpay , you don't know how to lead people team finances . I have one client who has seven properties . He's trying to buy his eighth .
Shout out to you , brother , I know you're listening . And when you run the numbers he's like , hey , can I just run the numbers by you ? He's got a whole spreadsheet . He said it checks out , it's mathematically sound , run it . It's a win-win-win . You can't even worst case scenario , you come out on top .
Let's do it it . If you're not good at math , certainty chat gpt is great , but you gotta be careful because sometimes it fucks it up bad like . There have been things I put in . There is like I literally message and say that's wrong , try it , try again , like that's not . That's not the right answer .
So if you're , if you're somebody who struggles with math , I'm telling you chat gpt will say it will change your life . It's not gonna save your life it'll .
Let me ask you this . So math , in my opinion , creates certainty , because everything is a calculation . So when you go to squat , you've been doing it since you were 16 , you're not concerned about not getting the weight up . So zero to 10 . What if ChatGPT , with the right question and the right investment of research , could give everyone that level of certainty ?
And I just feel so . And even if it's not ChatGPT , get a coach or a mentor , someone who knows their
¶ Chess, business, and knowing the rules
stuff ? Whatever it is . I used to say this all the time and I think it'll land different in this episode . I used to say going into the world without education , without being educated , is a lot like playing chess against the greatest chess masters in the world when you don't even know what the pieces do .
These business owners , these executives , they know what they're doing For sure . That whole car dealership . I can take you behind the scenes and go business geek out here for a second of exactly what they were doing to you . It's all the cognitive biases stacked up .
This was the best one . This was the best one . I said I will not go a dollar over 600 . He's like all right , let me hold on , sign right here . I said what am I signing ? He said if I can go up there , if I can go back there right now and I can come back with $600 , you're good to go today .
I said , brother , the car is full , I've already cleaned it , I already washed it , I'm ready to fucking go . I said just sign your name so I can show them proof . And then , right after he walked away , I was like , hmm , did I fuck up ? Chat GPT , seriously , is a random signature a legal document , a law holding document ? It said , no , this is .
And I knew it was a tactic , but I wanted to make sure I wasn't signing up to get Jeffed .
Oh , so they made you sign just a regular piece of paper . Regular piece of paper , Just a all it is is a that's a little proof of concept A proof of concept slash a little buy-in slash- . Did he try to go up after ?
that Nope , oh nice , he came back at $600 .
Well , here's the one thing I want to share with everyone too , Because everyone out there watching or listening Also , it's 1 pm .
You have a time . Holy crap
¶ Car buying leverage you didn’t know
, I have to go .
Okay . Last thing Everyone out there watching or listening . At some point you're going to buy a car . That dealership needs customers . It needs to get rid of inventory , especially at the end of the month , especially during certain parts of the year .
You have more leverage as a consumer than you think , but they want you to think that you don't Always ask to get the price down . Always , At very least , the person who's willing to walk away always has the most leverage . And we can talk about this another time . Well , the payment went from $775 a month to $ to 600 .
Yeah , an old kevin would have paid 775 . I probably would have said yeah , I probably said that I don't know .
Anyway , we make that payment go up . I would have just kept talking it's like , yeah , no , I could .
This is why we almost went out of business .
Yes , all right ai can help you get to the next level . It's just something you got to be open to . I know know it's weird , I know there's fear around it , but the more research you do , I think the better off you're going to be . You're going to raise your intelligence , raise the opportunity , raise the certainty , all that stuff . As always ,
¶ Outro
we love you , we appreciate you , grateful for each and every one of you . Buy the Dreamliner . If you haven't yet talk to you all tomorrow , talk to you soon . Thanks for joining us for another episode of Next Level University .
We love connecting with the Next Level family . We mean it when we say family . If you ever need anything , please reach out to us directly . Everything you need to get a hold of us is in the show notes .
Thank you again and we will talk to you tomorrow .
