For episode 115 Jamaal Vetose aka The Culture's Banker (Twitter: @LeoGrandPrince IG: @LeoGrandPrince) joins Raphael (Twitter: @WorkMoneyLife) and Charles aka Todd Millionaire (Twitter: @RealToddBillion) to discuss 30 year mortgages, luxury cars, buying depreciating assets, developing expertise through failure, and much more!