Financial Audit - Desperate Incel Joins Pyramid Schemes To Get Laid | Financial Audit

Episode Date: August 14, 2024

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Terms apply. watch episodes of financial audit a week earlier, check us out on YouTube. The 50,000 isn't mine. It belongs to something called a prop shirt. So I paid $50 for it. And then another $100 to... How much should you pull out of your retirement accounts? To be fair, there was only...

How far should you pull out? $6.00. The point I get to the day trading, why I don't need to work. Oh, shut the fuck up. Do you think in a few months you're going to be making a full living off of that? I do think that is exactly how it's going to go. And you live in beyond delusion world. my name is Ethan I'm 24 I'm based out of Houston Texas and this is financial audit

thanks for coming over to Austin what do you do there for a living in Houston um so I'm a day trader currently um up and coming at least up and coming yeah okay typically the day trading I see isn't much up it's kind of usually down and coming to zero how you must be doing okay then I, it's complicated. They haven't had a day trader on before. I mean, we've had people that dabbled, but we haven't had a professional day trader. I wouldn't, I wouldn't call myself professionally yet.

I'm getting there though. I mean, I'm just scaling the accounts. I've only taken about $400 out of them. And that's kind of where I'm going. Do you live at home? I live with my aunt currently. For free? No, for 500 bucks a month.

But you've taken two. How are you paying for that? So I've liquidated a lot of my assets over the last couple of months. 24. You're taking away all the compound growth and time that you have on the future of your life. What? What assets? So I liquidated my Roth, first of all.

Roth what? My Roth IRA. I had a personal one opened up at some point. Wonderful. Yeah, let's do that. Our tax advantage account, something that would be tax-free by the time you're 59.5. and penalty free. I kind of figured that if I took it out now to use for this,

then I just put it back later. Do you know the statistics around day trading? I don't. It's something like 85% lose money. I think it's, well, I mean, I thought it was a lot higher. I've heard a lot higher. I've heard a lot of different numbers, though. Okay, if that's the case, then why pull from your IRA?

Well, if the, if the words, if the odds are even worse. I guess it might be worse, but I didn't pull from it just to pay for trading. I pulled from it to pay for rent. But I had a job up until like March, and I was delivering for Amazon for a while, and I got big by a dog. So I was out of work for about a month because I couldn't put leg or put stuff on my leg. Wow, that must have been a bad bite. Yeah, it was a German Shepherd, so he latched completely on.

It's 80 to 95%. lose money. Significant number of day traders typically leave within the first year they quit, which, and then only 15% remaining active after three years. How far are you into this day trading thing? I've been on and off for about four years. So I started learning.

Oh, you're part of that 15%. Less than 1% of day traders are able to predictably and reliably earn positive returns. Wait, you've been on and off for four years and you've only ever taken out $400? I've taken out. I've made about three, four, four thousand. thousand but I've only taken

that's enough to survive leanly for a couple months I don't know with my bills leanly maybe a month okay but uh what is the plate what do you so how are you paid you said because you pulled from

how much is available still from those assets that you've pulled from so I have a employer matched one with $250 just because I couldn't That's all that's left. I couldn't pull it out because it's vested. Yeah, you better be a couple smiling over that. That's absolutely insane.

Yeah. You're not a full-time trade trader. I'm getting there. How, but how are you getting there? You seem very far if you've only ever been able to profit a couple thousand bucks. Well, I don't want to pull out more money right now just because I want it to grow. What's your account at? Currently, it's at about $500 in profit.

No, what's your account at? Which account? All your day trading. accounts. It's about $500 profit right now. No, no, no, no. What's the balance, buddy? 50,500. Okay, so you're trading with 50,000. Okay. Yeah. So obviously you can day trade because you're over $25,000 in your account, which is required to have in order to make more than three day trades. It's not mine, though. The 50,000 isn't mine. Uh, explain that. So, uh, the 50,000 is, it belongs to something called a prop firm. So I paid $50 for it. And then another,

100 to activate it. And there's no loss liability, though. So if I blow the account, I don't owe them anything. How do they make money? What? That doesn't seem, this doesn't make sense. So it's like a $50,000 loan in a way. In a way, yeah.

They have rules in place. Relatively interest with the extra, essentially, if we're calculating the money you gave them. And then it's almost a guaranteed loss. 80 to 95% chance of loss based on day trading statistics. So I'm confused how this works. From what I understand, they make the money off of the challenges you pay for. So you don't get the money up front.

You have to go through their specific challenge and you have to pass it. And then once you pass it, they fund the account. I did. I passed one. What's the challenge? It's a profit. I believe it was profit $3,000 on the $50,000 account. And I did that within about three or so.

That's, I don't know how that business is going to stay in business. Lately it feels like I'm getting more spam calls and more spam calls and more spam calls than my own mother. Every day someone over the phone is telling me I owe back taxes or one in all expenses paid crews to who knows where. So why does this happen all the time? Let me fill you in. The big companies we trust are failing us spectacularly. Consider the ticket master breach. Hackers infiltrated their systems in compromised data from over 560 million years. 60 million users. They made off with a gold mine of personal information, phone names, addresses,

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Protect yourself today and thanks to ORA for sponsoring this video. Yeah, they, uh, wait, how much did you pull out of your retirement accounts, your assets? All your assets. How much did you pull out? To be fair, there was only... How much did you pull out? $750.

It wasn't very high. To be fair. This is weird, man. This is a unique conversation. This is one we've never had. It's definitely... To a lot of people, it definitely seems like the wrong move. Yeah, to like everyone.

Who would think it's the right move? People like me, which is few and far between, really. People like you who will never retire? Probably. Unless. I don't know. Retirement sounds kind of boring. Unless you're a part of the 1% of the day trading statistics that actually makes a reliable income.

Pretty much. But I'm in the starting stages now. So I've changed. How are you making money? How are you paying bills? That's what I'm very curious. I sold an NFT last month. and that's how I paid most of my bills.

People bought an NFT for me. I participated in a project for crypto mining. You're part of every insane. Yeah, that's only two of them too. I mean, but I did participate in a crypto project like earlier this year. And they gave me an NFT and I sold it for about $5,000. And that pretty much has paid my bills for the last month. Oh, month?

For the next, my bills are paid through this month. What the fuck for the rest? Wait. No, because I'm about to go through things and you're behind payments. What are you smirking about? What? I'm sorry.

I'm trying. Yes, I was behind last month. No, what were we smiling about? Is that funny to you behind on bills? It's a reaction. Trying to control it. So you were behind on payments, but you just caught up because you were able to sell an NFT.

Yeah, it was kind of a last resort, and I didn't know exist. until I you didn't even know you had it no I didn't know I didn't want to sell it and then I had just got to the point where I was so behind that I kind of had to so dude okay so what do we do now how much of the 5,000 left after all the refunds from my purchases about $1,000 so what is our plan for income is there another NFT waiting no there's There's no one. So what is our plan?

Why aren't you working? I know you want to be at your desk when the market's open. Why not work an evening job, even part-time at least? Now that I'm even encouraging the state training thing, I can't believe I'm just like even like accepting that. But even still, like why aren't you working at all? I will. Originally I wasn't working because of the dog bite,

but after that I mentally, I went between, I kind of like bounced between do I need to work? work or do I not need to work? And I've kind of just settled. How would the answer be you don't need to work? Mentally, I think I make more money than I do, which I know it doesn't make a lot of concrete sense. What are you talking about?

Yeah. It's... What? That didn't make any sense. What are you hoping to make on your $50,000? I'm hoping to make about $1,000 a month. Okay. I'm planning to make.

So $12,000 a year, you're not living off of that. No, I'm in the process of getting others. So then you have to work. Yes. That is the idea, yes. But I... So what is the plan then? I have been applying to jobs, but...

What? A lot of fast food jobs. Yeah, how often? Probably once every few days. That's a joke. You have so much free time, you do nothing all day. You're right. You're right.

And I end most of the times at like noon anyways, so... You're applying to fifth. Yeah, you just trade the market open? Yeah. Yeah, you apply to like 50 a day minimum. Yeah. I don't even know if there are 50 jobs out there minimum. In Houston?

Is there? Oh, shut the fuck up. Are you kidding me? I'm not from Houston. Fourth largest city in the car. Oh, where are you from? I'm from Nebraska. Okay.

Well, that's a state. It's not like a city. Well, I'm from Lincoln, Nebraska, which is like... Okay, there's more than 50 openings than Lincoln. Yeah. Well, yeah, I'm very... I am picky, though. You're in the fourth largest city.

not being able to pay your bills, how are you allowed to be picking, not being able to pay your bills? What kind of entitlement is that? I guess mentally, I just, I think I could, I, I give up on my bills. That's the honesty of it.

And that's partially why I'm in the situation because I get to the point where it's too much to worry about and then I just give up on paying them. So what are you hoping to do? What is your goal here? What are we trying to do? I'm trying to get a,

I guess a path to move forward I don't Okay, give up day trading Get a f*** up, be a man, be an adult Act your age, you're not 12 Well, I can do both Can I? Well, you're really limiting yourself

In the job pool Having to be in front of a computer screen From 930 Central to You know, noon Yeah You're really limiting your job pool It's definitely Especially to lower income jobs, to be honest

Yeah with the that's why I figured fast food or like something restaurant was 591 fast food openings in Houston right now 591 maybe I'm just not looking hard enough but you apply to one a few days

yeah I applied to like a couple serving positions 290 open in Lincoln Nebraska 290 that's a lot more than I anticipated people like fast food look at my belly yeah I mean I definitely do too my spending proves that How the fucking you spend money? You don't have money to spend.

Okay. What would you give yourself a score 0 to 10 for your finances? Zero being the worst, 10 being the best. Where do you self-assess yourself? I'd like to think I'm at a 1. Probably like a half, like a 0.5. 0.5. Well, at least it's real.

Unless it's honest. If you want your Hammer financial score, it's free. Link in the description below. You can also go to Calebhammer.com slash apply. If you have interesting stories, if you have worldviews that you want to be challenged, if you're a weird day trader or something apparently, you can also apply to be on the show.

We'd be happy to have, you know, a variety of finances. Okay. All right, I'll take a little peekie. This day trading thing. Do you know anyone by the name of John Carter for trading? John Carter. That sounds like the movie that came out once. Okay.

No, I'd never heard of a Carter. It's like one of the only few people that's actually making a living off of doing the thing you want to do. That's crazy. Because like no one makes a living off of it. But okay. You think usually people that choice hotels get you more of what you value. Comfort in. It's calling your name.

Save on the stay. Oh. And free waffles are yours to claim. We'll direct at sourceotels.com. I have a passion into something. usually get to know the leaders of their field but I don't have a lot of hope for you making it in this day trading so this was

okay this was at 4,427 then it was $35 of interest accruing and it brought up to 4,462 now the minimum payment 726 yeah that's because that's about three months behind because it was three months behind

Actually, it might be more because I think the payment's actually $1.21. Ridiculous. That's it. That's, I mean, honestly, that's just the actions of a child. It really is. You can go work five hours a week and at least try to make a payment. I could. But instead, what do you do all day?

Okay, you trade from 930 to noon. What is noon to five look like for you? So it's a lot of Netflix. Maybe some trading stuff. but there's, I'm not doing a lot to be fair. Nothing even good to watch Netflix, so okay, great. And five to ten. Yeah, five to ten, like PM?

Yes. Well, I mean, I go to bed around like 9.30. So more Netflix, I guess. I don't really have, that's my, I don't have a lot of things to do. So you're right. But I, but I, I, then there's no reason to not just work. I don't. And you might make friends at work as well, because I'm assuming it sounds like you don't

have a social circle. Oh, no, not yet at least. Okay, and I would encourage that. And also, let's take some of the time because you're not going to work every day. You know, I want you to catch up on your bills, but maybe we're joining some clubs as well. Like, I want you to have a social social girl.

It's important in life. Yeah. You know, find some hobbies. But I feel like if I'm into some nerdy shit. I'm into some nerd. Yeah. You know? Yeah.

Find a nerdy club. Maybe, maybe. We'll see. But, uh, I don't, it's, it's just, I don't, I feel kind of bad going to a job, especially if I, like, leave it within, like, three months anyways. Why would you do that?

Because at the point I get to the day trading point where I don't need to work. Oh, shut the fuck up. You've been doing it for four years and you've only made a couple thousand dollars. You think in a few months you're going to be making a full living off of that. And oh, I'm so sorry, boss. I'm making so much money. I have to weave now. What the fuck are you talking about?

I do think that is exactly how it's going to go. Okay, then you live in beyond delusion world. What? How do you think that's going to work? How do you think that's going to work? You plan to make $1,000 a month off your $50,000. $12,000 a year. Essentially, like the poverty line.

The idea is I would make more. Oh. Oh, is that the idea? Okay. Well, you told me $1,000 a month. Well, that's my current cap. I mean, I only have a $50,000 account and I can only safely trade a certain amount. First of all, that's insane.

I mean, what is that? That's a 24% return on a yearly basis for the, for the, which on your account balance 24% on yes oh on the 50,000 yes oh okay yeah which is an insane number and you're gonna make more than that well I you're not making any money to put into the account so how are you going to make more than that well I don't I don't have to honestly insane as it is yeah well I don't have to make money make like money to put into the account I can only take it out I can't put anything in but uh yeah you even taking advantage of this

has to be strings. There has to be something weird here. I wish I knew more about this. There's a lot of... What's it called? Top step. I'm also doing another one on Apex. Two?

Huh? Two different 50,000 dollars ago. I'm doing five currently. So, which accumulate to write about... Top step trader? Yeah. So, it's a pretty... It's been a popular concept for a while, but...

Gosh, you sound like someone that just likes to take shortcuts. I have definitely tried my fair amount of shortcuts. That was for sure. I tried to gamble for a living once. Well, you basically still are, to be clear, but that's insane. But even worse. What? What?

I was going online. I was transferring crypto to an online gambling site. And I thought, you know, if I could just turn this $50 until like $1,000, 2,000, then I could live off of it. But that kind of blew up in my face. So, and. Yeah. One second.

I might bring in an outside source here. Might have a phone in. So, I don't know. I did some sports betting, and it kind of just graduated into... I mean, that's usually just like fun. Yeah, well, this was one of my... I've kind of been on and off with trading, and at this point, I was on with trading,

and I was bored on the weekends. And, like, after I was trading, so I decided to sports bet, because that's what everybody in my circle kind of said. Yeah, it was a pretty bad circle, I will admit. This was, luckily, luckily I'm not with that circle anymore. But that's pretty much what I did. It got to the point where I didn't enjoy watching sports

if I wasn't betting on it, which is when I knew it was kind of needed to stop. But by then I had already lost like $3,000 or $4,000. One goal become a top step furniture. Okay, multiple accounts, earn and take payouts from up to five express funded accounts. Simple payout strategy. Just have five winning days of plus $200 to earn your payout. So the money you win goes to them and then they give you a payout.

So they give payouts up to $10,000 without a split. But after that. Yeah, but how much do you have to earn in order to get that payout? It's the five winning days. So if you have five winning days, make a dollar profit? You can pull out half of the profit. after five winning days. So you only get half the profit?

They get 50%? Until you get to 30 winning days and then you can pull out up to the full amount. How are they making money? Because, well, generally they make money off of people failing challenges. Ooh, you get a funded trader certificate for your LinkedIn profile. You're going to stand out among the rest. Yeah, I don't think I've ever put that on there. You get something real and get a real job through like course careers and get like a accounting certification instead, like an adult.

but okay. I couldn't even tell you how much money I've spent on education or, you know, trading or other businesses. Okay, so not real education. Yeah, there's no degree attached to all the money. I don't even recommend think or swim. I mean, that's...

Yeah, that's what it started at. But, yeah, I started options trading, which is worse than what I'm doing now. What are you doing now? I'm doing... Well, I'm trading with a brokerage account. That's better. You're buying, because they talk about future

so much on this page. You're not doing... Trading the indices. like the Dow. Yeah. But the goal is to eventually make enough from that. Oh. That and I'm assuming that will be in a couple months.

Well, actually, I'm planning on it. I'm not even assuming at this point. It's basically guaranteed. Wow. I have good news. Okay. Someone I used to work with who I also hired. Okay.

At a company where we actually sold products teaching our trade. Okay. I wouldn't. You know, it was just doing it because it was my job. I would never recommend anyone to buy products like that. Not based on the company, but just day trading in general. He also worked there. He was kind of higher up at that company.

Yeah. And I sent him and he says, oh, I know all about top step. I know all about top step. So let's have him ask a couple questions. Okay. All right, Robert. How's it going? You're being screened recorded.

So this guy is signed. up for the top step program and from your point of view your fake name is Ethan explain to Robert what you think how you think this works so basically I passed my first challenge and then now I'm in the process of passing for more with top step and at my current trading half a percent I'm making about a thousand dollars a month minimum it's about a unit a week but I'm scaling that over the next few months without taking out any profits to the point where I will be making enough to sustain myself and grow the accounts at the same time. Gotcha. So you've already passed top step, step one then.

Yeah, I've got the Express account. I don't have a live account because I'm not, they don't release any information on how to get that. But I've got that and then I've got about three more on there. Okay. Cool. Yeah. So, you know, that checks out. I mean, how top step works so they understand it. Maybe if I'm wrong, but basically you pay, right, a fee of like $175 a month. So how does this, Robert, how does this work? How are they making money? If this dude just loses the $50,000 for paying like a dollar a month for it, what is happening?

They say if you pay a certain amount of money a month, we'll give you a certain amount of cash in buying power, right? So you don't have the actual money. You can just buy a certain amount of, in this case, futures contracts based on that amount of money that you get. And so, right, you can't just lose that 50K in buying power or whatever it is. Top steps put in other companies like this put limits on it. So for example, if you lose $2,000 on the basic program, they automatically stop you from training, right? and if you don't have an actual funded account if I understand correctly you don't actually get real money so is this good for Ethan to do if he wants to make a living off of this

you know for Ethan I don't need to know more about what he's doing and how he's trading but so far it sounds like you're in that small percentage well for how long is actually able to make a profit How long have you been making a profit with them? Currently, it's only been about a month. It's been one month. I've been trading on the accounts for a few months, though. Gotcha.

So you just got funded after a few months of paying. Yeah. Well, I've been trading on and off for about four years so far. So I traded demo trading before. So with paper money, fake money, just to make sure I was profitable. And once I had like the lot sizes down, the risks, the rewards, everything, all the data down, then I was able to transition into the funded trading, and I passed it in two weeks. Gotcha. So out of those four years, you've been profitable for one month.

Well, I've been profitable. I was profitable when I was options trading. But generally speaking, yeah, it's been only about three or four months of profit in my whole career. Gotcha. So. Well, I mean, so far, like, Ethan, I'm, Ethan is doing well and, you know, enough that. you know, he might be encouraged to keep going. But again, three months is not enough time to tell whether or not you can sustain this for the course of the year, right?

Yeah. Because market conditions change, as you know. Oh, yeah. That's true. Except for these past couple days, he's like only been a part of a bull market. Well, yeah, definitely lost one of those days. But, yeah. Okay.

All right. Thanks, Robert. Cool. All right. Oh, I was scared for a second. What? I thought he'd say something. I didn't know who you were bringing on. Well, it sounds like, you know, it's interesting. Yeah, it's not something I would recommend like anybody to, because it took a lot of effort.

It sounds like you might have something not saying that. I mean, again, it's been only a couple months. So true proven track record, maybe not. But maybe you have this. It's just the percentage of people who make it is so low. that it's just yeah it's so hard it's so hard because it's if you were just in bonds let's just say just in like low risk bonds or treasuries or something and you just held down a job throughout your life that has a hundred percent chance practically of that's making it you but you have a five percent chance of making it in this so it's just like maybe you do well for a couple years and then you blow up multiple accounts

and it's all, you know, gone. You know, it's, I don't know, that kind of life scares me. And it sounds like from your past that you've just done try to become rich, quick type, gambling for a living? Like that's not a thing. What else have you done? I've done anything else?

I've been in four MLMs. See, that just, see, that is what scares me. It's your entire history. So, like, I don't know how this is going to be very different for you. I know you're putting a little bit of discipline in it and you've gotten lucky so far in the easy. of market conditions. Well, I wouldn't.

Well, the, I don't know if luck has everything to do with it. There may be a small percentage of luck that has to do with it. You're not in a, if you're, buddy,

you in a sideways market, I'd pay to watch that. I would lose in a sideways market. And buddy, the market was sideways for like all of, what, 14, 15, and 16? No, no, no, sorry, sorry.

Uh, uh, 11, 12, and 13. Oh, last week? No, 2011, 12, 13. Like, we're just like, it was just like, ooh, ooh, ooh, you know, like, I don't think, I don't know, what happens when it's three years of that? How are you going to survive for three years? Well, I mean, right now, you're just taking advantage of, yeah, let's go! Yeah, well, the trading I do doesn't necessarily ride a trend up.

So a lot of it is done intraday. So as long as there is not complete sideways, which is like, you know, it's going up 30, it's going down 30 constantly, then I can make money. Plus with your monthly payments to these accounts, it almost sounds like maybe your ROI isn't even positive overall. And if it is, it's micro. Well, at the moment, I've put a lot more money into it from challenges. And that's how the companies make their money. I failed. That's what I was curious of this whole time.

I failed probably about $7,000 and $8,000 worth of challenges in career. And, yeah, I've spent probably triple quadruple that. What does it cost to get like a challenge to do a challenge? current with top step it's weird because a lot of the regulations have been changed for day trading there's a couple platforms that were pretty popular but they've stopped serving u.s traders but other than that the futures market it's like wait what was the question again is the sapphire card the balance that we're seen here or did you make progress from that thing that's the only thing i have not paid on so i don't know how how the f f ffriac

even close, you're going to pay $726. Like, I'll figure it out. Even the profits you make on this account, you don't keep them. You get 50% of them for a little bit and stuff. And then you're paying money towards them. It's like, I don't understand how you are going to make money and then make your payments. Yeah. How do you even get into debt in the first place?

Probably because you've just refused to work your whole life because you're like a literal man baby. That's a really long story. I started. It was MLMs. That was the start of my debt spiral. So four MLMs. Okay. Let me get through.

this credit card and then I'll let you I want to hear about them it's not it's not about okay what's the normal woman a monthly payment for this that you've missed uh... hundred twenty one it's a closed account um thank thank I knew you did I like that one

so it's gonna go to collections soon probably no chase doesn't send it to collections Chase doesn't send it to collections $247 an interest this year so far surprise you're not getting obliterated with fees okay I uh went through a debt repayment plan at some point.

Like you pay like you go to a person and then or not a person but the company and then they reduce everything and that they negotiate yeah. Yeah, yeah. I did that for the three months. And how'd that go? Um, well I stopped making money so I stopped paying them and you know, everything just stopped making money because you're refusing to get a job. How long is your how long you've been able to walk?

It's been, it's been about a month and a half, two months. Okay. Yeah. You know. Like yeah, because March. a month. I would give you a month. A month. I think it's a bit too long. You could have gone at least fast food job since then.

Oh, yeah. Oh, yeah. I've been applying. I've had some interviews. One every three days. I did have an interview last week, but I didn't go because I moved. And it was 35 minutes away. So I tried to reschedule. You're not willing to do anything in life. You were such a child.

There's it. There's such a child. It may seem like. like that. Yes. How would it seem in any other way? Other than the receding hairline, what other indication? I'm not homeless.

So it could be worse. Because your aunt. Yeah. That was an arrangement though. So I guess that's fine. But if it wasn't for depending on other people and milking them, you know, the teat of your aunt, you would be homeless. I like to think I can handle all my own bills.

How? You're not paying your bills. bills. You just said you weren't paying your consolidation. You're not a credit card person. I wouldn't even, well, I, I, I love the FISCard for all those people and most guests. I wouldn't trust you to do it. I want to trust you to do the FISCard. Yeah, I do have a FIS card. How does that? How do you do? There's a balance on it. So, I, yeah, I paid off every month though. You have to. Yeah, you're right. So I don't have a choice. Exactly. But, uh, I was going to say something else, but I can't remember what it's why it works for

most people but you. Yeah. I kind of just, I just look at the things. What? No, no. I want, no,

I want you to explain how in the possible you think you would like to think that you could make it on your own. In what way? In what way would you possibly

be able to make it on your own man child? It's put in a fighter flight kind of area. You're in fighter flight. You're not paying your damn bills. Yeah, but I haven't,

it's not, it's not that. bad is it? I mean, it could be worse, is what I mean to say. I don't even want to respond to that. I mean, you know that's dumb. How many times have you seen the show? You've seen the show. Yeah, I have.

Have you heard me respond to that before? I don't remember how you respond to that. But I know you don't like it. So why'd you say it? Because I live by that. So I say that daily. Like, I literally say that daily.

So it's like actual philosophy in your life. That is an actual philosophy, yes. So, okay, because I inject one needle of heroin a day instead of three, it's okay because it's worse out there for other people? That is pretty bad. I shouldn't laugh at that. But, yeah, it, that's another thing. So because there are people getting bombed somewhere, that means you acting like a child is okay. I heard you guys wanted to get dirty again.

Dirty money is back. And this time you're going to be a lady in the streets and a freak in the sheets. And you know who you usually meet in those sheets? I'm personally into BBWs. Budgeting, bonds, wealth. And this sexy merch is only available through the end of this month. And then it's going away. So to give you a little extra sweet treat, we're bringing back the classic dirty money as well.

BDSM. Sluts for index funds. Finance Daddy. If this isn't for you, you can eat my assets because I am myself and assets man. Go to Calebhammer.com slash dirty to check it out before these designs go away at the end of this month. And as an extra special sweet treat, every order over $100 gets your favorite asset signed and framed the hammer dump truck. It's because people in the United Kingdom have half the median income as the people in the United States have. It's okay that you live at and below the poverty line by choice and milk off your aunt.

Because it could be worse, it's okay. Again, when I talk about acting like a child, that is the mindset of a child. That doesn't make sense. That doesn't make sense. It's the way I think. How do I change that? Well, accepting the reality of your situation. You're right.

That's how you think. but oftentimes if we think something if we have a worldview, if that worldview is challenged and the challenge makes sense which I don't know how you could refute that. Feel free to try. I don't encourage it, but that's when you adapt and change.

If you're just a immovable brick in life then you're not going to make it anywhere. You're not going to make it anywhere. We should all be willing to change everything. Well, I just kind of figure one day I'll be where I want to be and then I'll just handle everything else. That's not how goals work. That's not how goals work.

That's not how goals work. Yeah. By the way, that's not how goals worked. It's worked so far. No, it hasn't. You're not paying bills. You're living with your aunt. What the fuck you're talking about?

Yeah. I do admit I need to move out of my aunt's house. Yeah, but how would you be able to afford that? Well, I mean, I'd figure something out. Oh my. This is like actually insane. That's the way I think. If I look at something.

How have you made it this far? That's a very good question. I'll tell you how by milking off of other people. It's, it's, There has been some input from others, but it's always reciprocated. I, your entire living situation right now. Well, I don't know about it tire. Like, maybe part of it.

The fuck are you on about you. You live with your aunt. Well, yeah, because it's a new state. I don't know if I like it yet. Like, what if I want to move to a different state? I haven't gotten a feel for Texas yet. What are you even trying to do? Why are you in Texas?

Because it's not Nebraska. Well, that's fair. So, well, there was a lot of responsibilities I had in Nebraska that were not mine. And we know that you can't deal with at least a single responsibility in your life. And I especially can't deal with them when I'm dealing with everybody else's responsibilities as well. So I'm sure it's a big load of bullshit on everything you've said this entire conversation. I mean, because you've lost all reliability as a trustworthy person. You can believe what you want to believe.

I mean, it is the truth. It's possible not to believe that after this entire conversation. We're 40 minutes into the youth around and being a child. Yeah. Come on. In life, not in this interview. But I mean, you're actually, I mean, you're giving me what you think, but you are a literal baby. You were like just born. I know I'm so insulting you.

Like, but I don't give it. Like, I mean, it's, I'm kind of disgusted by your existence. Like, I, I'm a joke. And that's kind of why I'm here. I want, I want a plan to follow. Because whatever I make, whenever I make a plan, I don't follow through. Cool. So why would it be different if I made you a plan?

Because I've seen you make plans for other people. I've seen other people successfully execute those plans. Yes, but those other people weren't beyond delusional. Yeah, I can't. I can't argue with you on that one. Buddy, you're literally the 1%. It's because you're telling me, listen, if you didn't tell me, I think it's just going to work out. I will just end up in that plan.

I'll just figure it out if I'm moving my own. If you didn't tell me all of these absolute insane things that are not based in reality, I'd be like, yes, let's get a plan. This dude is in the real world and can figure it out. You're not in the world where plans exist in your brain. You haven't been forced to grow up yet. You haven't been forced to because you're just able to rely on other people and you're able to just go into debt and allow it to just flow away.

What at this point would allow me to earn back your trust and how to take care of all this? because I need to get this conversation and I'll tell you. So I just, yeah, I need to get this behind me. I, how did you deposit? Well, what's this coin base thing, 4,928? That's the NFC. I had to withdraw through cornbase.

There we go. Okay, so that was basically your income. Yep. Okay. So I, I, listen, if you did, again, I know, I shouldn't be insulted. do as much as I have. You know, a couple jabs here and there. We do that.

But it's just like, I don't know. A lot of people make dumb choices and they make dumb excuses. And that happens because people are defensive when they get on camera. But your worldview is so detached from the world. That is what scares me. If you want to blame anything for my worldview, you can blame the MLMs. Okay. So what are the MLMs that you got involved?

I was in Amway. right when I graduated high school for two years. I was in Amway. And that's where most of my viewpoints come from. And I met a lot of cool people through that. But I lost a lot of money. Then how was your worldview based on something that completely f***ed you? It's just,

it's association, you know? You get around people that think a certain way. And now you think a certain way. And how did it turn out? I mean, I don't like jobs. That's probably the only thing that I got from that. Really?

Yeah. That's what you got from that. That may be that there are better things than jobs. No, you're just lazy. You want rich quick? You want rich quick? That's all you f***ing what? I feel like if I wanted rich quick,

I wouldn't have spent four years doing something on and off. I mean, I'm not going to say it's like four years every day, but every few months. No, all the things that you're participating in are in those avenues of quicker. You know what people do when actual successful, wealthy people? Yes, some start businesses that do well. Some will, 1% will.

make money in that day trading. Some will of like a very small percentage in gambling, will all of a sudden make enough to live off of. What the vast majority of us do, they open a brokerage like I open Moomoo for my brokerage. I invest in like the S&P 500, overall U.S. market fund, overall

United States stock market. And then by the time I am like mid-60s, I retire a successful, wealthy individual. That is what the average person does. You are just average wealthy person. I don't We're just trying to get there today.

But instead, you're ending up negative. To be fair, I've never considered myself average. Does that help? Sure. I mean, you're just continuing to explain your insane world. Most of the things you see in front of you are from two years ago. That doesn't make it any better. You don't seem like a real person.

You really don't. You're like a make-belief character. This whole, the whole debt situation. You were in. of an egg. I can't say whether that's true or not to be fair. But no, this is like two years of my life. What was after Amway?

What was after? What was the next one? Amway. And then I took like, I swore off MLMs after Amway. And then I got into another one like a year later because somebody convinced me. But the other ones, one was like World Ventures. It was a travel MLM. And then there was also like the.

I Am Mastery, which was a trading at MLM, but they don't do any stocks and stuff. They're mostly... Topfetch the table. I will get the spray bottle. I'm sorry. I bounce my leg and I tap things. Can I have it, please? I don't trust his fingers. Yeah. But, no, that's... And then I also joined one for the WFG is what was called.

World Financial Group. Because I thought at some point I wanted to be a financial advisor. I did take steps to do that and it didn't happen. Now, that was a funny joke. It was a real ambition for about two months. You know, you'd have to go to school to become a license financial fund. You need a bachelor degree. I thought you just need certifications.

That's what everybody else tells me. You need a bachelor degree in order to get like a CFA, though. A C, oh, not like a CFA. I'd get like the series licenses. I just, and then they would sponsor me for the seven. Okay. I wouldn't get a CFA. But I guess it depends on this was the one, but in terms of like selling different packages.

Yeah. Well, I'm interested in that stuff. I just have never had the capital or the, you know, to deal with that. You've never had the commitment in anything in life. Yeah. Yeah, yeah. Other than trading. Trading's the only thing I've ever long term done ever.

I'll tell you what you committed to. I know in your recent past, you committed to spending $6,000 in tipping streamers. Yeah, that was. That was loneliness. what that was. But you're still lonely. I'm not lonely anymore. Well, you live with your hands. Well, I'm, oh, I wish I was lonely, dude.

But I wish I was living on my own, to be fair. But, no, I would love you to. I want you to find a social group, a good social group. Because, again, the people you surround yourself in your M-LMs, you're right. A lot of them impacted your worldview. However, you know what the rest of us typically do? I've made mistakes. I've been dumb. I have a dumb past.

And obviously, we all continue to make mistakes and mistakes will be made. but what I do for the mistakes is I do them. Then I'm like, oopsie, whoopsie, that was a mistake. We don't do that again. You're like, oh, that was a mistake. Let's do that mistake one more time. Oh, let's do it again. Let's do it again.

That was pretty fun. Let's do it again the fifth time because now you're in your fifth mistake. I feel like there's a lesson to be learned in every mistake though. Yeah. And you haven't learned any of that machines. What if I learned a different lesson in every mistake? I think your lessons, again, are in that, like, fake world, though. Because you're not in the real world without the rest of us.

So, it. This conversation, honestly, I'll be honest. I'm going to be honest to the audience as well. This is a hopeless conversation. Okay. This is a hopeless conversation. That being said, there is a dumb 17, 18, 19 year old out there that's like, I want to be a professional day trader.

Watch this episode. And I'm going to continue because this. Don't. You're about to learn. So, but no, this was two years of my life. racking all of this up and I've just been kicking the can down the runes ever since so I'm trying to change that. Unfortunately this is turning into an example episode and not being able to help you episode. I apologize for that but I don't think your worldview is so it needs to be what you're in like

the mirror dimension or something you know Dr. Strange needs to pull you the fuck back in. What if I told you I'm going to get a job by the end of the next week? Oh that would be great how? Well I have three interviews. Okay. So how are your interview skills because that's important. I've done a lot of interviews, so I hope they're good, but I've never really... Yeah, and how many of those interviews have worked? A lot of them, actually. Okay, so you get lots of job offers? I do. I just deny a lot of them.

That's a start. That's a start. I'm going to say you're not going to quit in three months like you said you will. Well, if I'm in the right place, I may, but I will commit to six months at the minimum at a job. And if trading is not doing well by then, I will continue. Oh, I'm excited for this six-month call, my friend. Okay. It's, I have already, if you had talked to me six months ago, I wouldn't have never considered. You could have said job, and I would have said, yeah, no.

Oh, so you graduated from the age of five to seven. I think at least. I'm sorry, guys. I'm being mean. I know I'm being mean. I'm being mean, but I don't even. This worldview legitimately is, I, nothing gets on. I'm talking candidly to you right now.

Nothing gets under my skin more than this worldview. It's like insane. Like actually, like you could be a racist and I'd put you on the same level or something. I mean, your responses are exactly what I've been dealing with for the last like five years. So I'm used to at this point. But I am willing to change. I need the spray bottle. He's tapping.

I'm so, I'm trying. Bad! Bad! It's, I can't fidgeting is, has been in my blood. I'm going to put him in my lap and not move. them. All right. Where was I?

Did you catch up on this payment for the climb launch? Yes. Okay. So the normal payment's 135. Yeah. And it's like, it's a hundred thirty five. He was behind. You were behind.

It's 135 for six months and there's two 30, um, continuing. Wait, when does it kick into, uh, six months? Uh, last month, it's month one. So six months would be what December, January. Okay. I, that was, that was a mistake. that student loan this is a student loan

yeah oh man okay what's the balance 10,395 f 16% interest that's ridiculous and then of course you had a late fee well you went to school

no that's that's for a coding boot camp oh coding boot camp's are great oh okay I thought I thought you were gonna well why would I be against that I didn't know I mean a lot of people no I mean it's only

a month in. I mean, I'm... You're doing it right now. I know how to do HTML, but that's the extent of my experience. So you want to work in coding all of a sudden? I did, but I really kind of just, I just want to create things. That's pretty much my only goal there. Is that what you want to create? Because I like to create things too. There are things I wouldn't want to create. I wouldn't want to create a tower of human. I'm confused now. Well, is this what you want to create? I do want to do that. I was generally interested in it. I am interested in it. Let me change my words. But, I haven't done it as much the last week or so. Oh, you are not a commitment person.

You can't commit to anything past a couple days. It was, I was doing it for like a few weeks. Oh, what a big boy. You know, things happen and I just, I miss a day. Oh, no, there was a show that dropped on Netflix. Yeah. What happened? You do nothing all day.

I get really distracted. I feel like I keep making fun of you, but you just keep saying insane. Dude. Like, what the fuck? Yeah, I did. You signed up for a boot camp borrow $10,500 at 16% interest rate. With minimum monthly payments, you cannot pay because you don't pay. You already almost missed one, but you find an extra NFT,

and you sign up for coding because you like to build things, and you're somewhat interested in it, but you participate in it for a couple weeks and we're already off for a week because something happened, but nothing happens in your life. So what the fuck happened? I don't know what to do here other than just take a fucking just, just, just, to be fair, though, bully you. To be fair, though, a hurricane happened.

last week. So was it that? Was it that? I didn't have power for, yes, it was. Okay, that's an actual valid thing. So the first valid thing you've said, this entire 50 minutes. Yeah, yeah. That, yeah, that alone.

I moved into a place on Friday last two weeks ago for like an extra 200 bucks a month so I could have my own space. And then the hurricane hit and then I had to move out. And that's where the extra thousand is coming from from refunds because I'm returning the bed and all the furniture. What about the landlord and the contract? signed. Oh, it was only a 15-day notice and the landlord's cool. I know him. Oh, my God. So, you can't, okay, you're like, yeah. It's, it's a mess. How do I understand? How do I actually help you?

Because I know, I just need a plan. But, but, but your plan would rely on the real world. I'm, I'm asking myself right now, what can I actually do to help you? Because I do want you to walk away of something positive. I really do. And I know I'm just an absolute right now. But I really do want you to walk away with something positive but if i don't know man if we can at least take like if i get one of these jobs if we can like go over a budget for this stuff including the extra thousand from trading but a budget so like a budget i will create a budget for you i'll help you with that i will follow it to the job but no no well that's the thing you've done you've done things now i want you I want you, just like the coding thing,

and this one's obviously much shorter, much shorter, but there are quizzes and stuff. Go through our budgeting program. Okay. I would do our investing one because you'll learn how dumb the shit you're doing is as well. You guys can do it at a bundled price, by the way, and get a free $100 in coupons towards it.

So, but either way, I want you to go through those programs because it'll help you at least stick to the budget and make and manage yours, but yes, I will make one for you. It's going to be a loose budget, though, in terms of just high level. But again, you've made stuff and you haven't sucked to us.

I don't know what's different about mine. I'm more, I was going to say more dedicated, but that's not actually an answer. What's the words? My mindset has shifted in the last few weeks, and I just feel like I need to get this out of the way and I need to start making some progress

or else like everything, I'm going to have to move back to Nebraska, which is the absolutely, last thing I want to do. Corn. Yeah. Yeah. Corn and responsibilities.

And I don't like either of those as we've established. Definitely the second one. So, but it's just mentally I am much better up here and I need to stay up here. So I'm down. Down. Yeah. I still haven't corrected that.

But I believe this is the turning point. I hope so, man. I literally hope so for your sake in your life. Do I have hope it? I'll be honest, no. but I hope so because you are a human being and I want you to have a great life

just like any other human being and I think you can turn it around not based on the worldview you have but I want you to turn around and I do hope you do I really do hope you do right now if you guys use my Moomoo link in the description below you can literally get 8%

on your money that's sitting in there for three months it's absolutely incredible plus you'll get 15 free stocks just for signing up with my link. This is literally free money, so make sure you're taking advantage of it out. There is no reason not to. Sign up now. Link in the description below. I feel like the difference between this time you giving me a budget versus me creating my own. I'm only competing with myself when I'm making my own budget, but this is, this is going to be

on the internet. I can't go back on my word now. So it's kind of a way to force me into a checkmate of sorts. And you're going to come on for a follow up and I will take the taser from the back. and just, yeah, if you don't do it. Tasters are not pleasant. You've been to that. I've been tased before. Why? It was a party and things got hairy.

So I don't like to talk about it. It was pretty rough. All right. Just go to the bathroom before you get tased. Nothing. Can we talk about that in the post show? Or do you not just not want to talk about it? Sure.

All right. We'll talk about that in the post show. Something tells me he. So put. Okay. That would be bad. Liberty first. This is the only, I think, credit card apart from the Fizz.

And the Sapphire? Well, that's close. I'm saying active, yeah, active. Why didn't you send me a statement for Fizz? I think I sent it originally in the documents before, but I might have forgot it the second one. I can bring it up. Yes. Okay.

Okay. Now we're first. You can get it ready. Okay. Liberty. first we have a balance of a thousand thousand hours right yep that should be it right the balances for these last ones it's at a stupid i don't know if the interest rate is listed on there it might be but you know i know the interest yeah i know the interest rates of all my debts

what's the interest rate i'm glad you're knowledgeable about it and you don't do anything about it's 12.9% 12.9 okay yeah yeah okay and you have a 38 dollars that's not the normal monthly payment because that's what's stacking up after your the 30 dollar but you caught up right what is the normal payment the normal payment is 30 bucks 30 yeah okay it was 38 here it's like because of your late charge it's give or take like a dollar sometimes but yeah it's just it's really low interest that's the only reason I still have it is because

advanced credit card light fee late fee okay great wonderful oh the interest is it 10 yeah I have I have Dave hooked up to that no you don't I think there's like 40 Micro payday loan? Sometimes, sometimes. Oh, just get a job. When it's really desperate.

That's like the solution is literally just work for a single second of your life. What a, no. I'm trying to move past all that. Okay, members own credit union. So we have a loan here. Personal. So that was a credit card that was transferred to a personal. Great.

Obviously that works. Well, it was a, so the bank, actually recommended it. Oh, of course they did. But they did. Well, it was a, it was a $5,000 credit card and a personal loan that I had combined. Bad! I'm talking with my hands.

I'm sorry. But yeah, that's what that is. They only send statements all in one. So they're all in there. Okay. So $5,503. And 87 cents on that one. What's the minimum for that?

for the five is that the personal loan or is that the car the personal is 179 a month I don't know how you there's this buddy your minimum of the payments of stack so much and your income zero this is ridiculous what's your car what's your car it's a Hyundai Alatra

year 2017 how's you doing it's pretty good I mean I can get at least 150 out of them so and what's the miles currently 93 okay I just did a tune up so interest rate 5.9%

It's not horrendous. $7,975,0.87. What's the minimum monthly? Minimum monthly, 332. Okay, you owe basically $8,000. I know what do you think it's worth in its current condition? It's probably like $5.9 or $5.8. It's close.

Like $5.6. So I think I looked at it like a month ago. So I was considering selling it, but I realized that was a bad move. Maybe, yeah. I don't think I would sell it. And at that rate, you just have to make money and pay for it. Yeah. Then a thousand bucks in the actual credit union itself.

Is there a thousand bucks in there? Was, at least at the time of this day. Oh, yeah. It transfers into my savings. It transfers into my savings. I'll get you wet, buddy. And then it auto transfers to the loans. So that's how the process works there.

Liberty first. Mm-hmm. That's probably check. But I see a mastercard. That's the thousand. Did we go over that? Yeah, that was the first one. No, we did.

Yep. Okay. Yeah, that's the only, the only reason I have that account, I was getting paid through that from the state of Nebraska up until February. Okay. Let's look at the chicken account.

And I don't, they don't make it very easy. There's your Netflix. Top step trader, 149. Yeah, because these payments. So you're not even ready. No, you put more money into it. than you've made, of course. So this is going to be great for your future.

I'm sorry. That was that was out of line. Online? I look at it as an investment, but I know you don't see it that way. Apple Bill. Going inside getting some BS. Imperial nutrition. Yeah, it's like protein shakes.

You working out? Yeah. I mean, they're trying to. Give us those gains. Oh, it's pretty rough. It's not there. It's a lot of swimming. Oh, man, a little sneak peek in that armpit here.

No, yeah. McDonald's, Coinbase. Coinbase in, 31 bucks. Oh, Dave. We're daving, and there's Raising Cains. Okay. I might as well work at Raising Cains. McDonald's Refund?

McDonald's refund? Or it was an advanced McDonald's. I don't know. Oh, and then 270 in this checking account in your chase. Oh, here's where you spend money, isn't it? Oh, yeah, this is my main, this is my main checking as of, like, two months ago. So we got a little bit of money from our NFT.

So let's go to Texas Roadhouse. Get those rolls down our throat. Chipotle, go inside getting to BS. McDonald's, Texas Roadhouse, Chipotle, top step trader, because we're not making a profit on there, Dairy Queen. Going inside, getting some BS, PlayStation Network, $43.

What did you get? Reoccurring. See, I forgot that was happening. What is that? month subscription for plus or something. I haven't touched my PS5 in like a month. I'm trying to sell it. Cancel it, sell it out $800.

Yeah, that was rent. For the new place that was rent, I'm getting half of that back. I can't believe you even consider that because you can't even pay your bills, buddy. You were so far buying on your payments. You're just putting wants, wants, wants. I want to live on my own want, want, want, want all this.

I want, wow, wow, wow. I want the firm 6503. Yeah, that was the bad. That's going to be a refunded. What's Zen business? That's my LLC. You just formed it? Yeah, just like last week.

There's nothing in it. LSC for trading? Yeah, to avoid the taxes. So. What taxes? Like the, not the income taxes, but all the federal and stuff. Not avoid the taxes, but to separate my personal and my like business account. Does that make sense?

But it's LLC. Yeah, it's an LLC. It's a limited. Well, yeah. I don't know anything about LLC, so I'm not even going to try to explain what an LLC is. I just know it helps to separate the things I'm getting from the business. Yes, it's good to separate. This is 1099, or not 1099, but something else for investments.

It's good to separate different bills and accounting. I want to check up on something extra because before I throw something out, I'm 99% confident on, but I want to, you're making me question it. I know trading is a weird. area. I know that it's not considered like earned income because I'm not providing a service for anybody but myself. I know you get capital gains but you get

short term capital gains. Yeah which is what I'm yeah but if I trade under an LLC it helps it in some way I don't know exactly the explain ins and outs. I think there's extra tax for trading your own money right? It's somebody else's money I'm trading it's 50,000 for top step. That has nothing to do with your LLC. No, just the money Yeah, you're right, you're right, right

Because I mean, you're only getting paid on what you're able to actually get out of there Yeah Because it's a weird little thing with this company Yeah, so I only get taxed on what I pull out So I kind of just opened it so I could like split the taxes and everything off So I could be responsible with the IRS from now and forward Well, you're trying to get like write-offs and tax breaks on certain things But I don't have a lot of write-offs I could get

Exactly, but, uh, maybe a laptop LSCs and we're used just as a pass-through and I just want to plus future wise if I ever want to yeah no buddy which your scenes is completely wrong this isn't saving you anything now what you're working on yeah this is going to get short-term capital gains tax but what you're working on with the trading the other people's money I don't know 100% with that so that's what I wanted to confirm no the LLC does not help in anyway with the short-term capital gains tax No. It's a pass-through, buddy.

I don't know what you're talking about. I don't know either. I'm not a tax professional. Why'd you do it? Because I wanted to separate it. Because I wanted to separate it. Yes, that makes sense. And if I ever want... We were talking about taxes, though.

Yeah. Well, and this is way down the line. Apple bill, Apple bill, Apple bill. I don't trust your way down the line. Okay. You don't know what's happening two seconds from now. We can talk about it. Doubt it.

Coinbase $30 is out. Top step trader, $149. Top-step trader, $149. 4 of those. 149. Topstop trader, 149. You're not even close to making.

Oh, more Zen business. More of that protein stuff and marble slab creamery. Hmm, wonderful. We make no money. Let's spend it. Going to a restaurant, I think there. Tripoli, Sonic Drive-in,

Kalachi's. Going inside, getting some BS or groceries. A little hard to tell with that one. And his hamburgers, Texas Roadhouse. Kalashis, again, going out to eat every second of our life, even though we literally make Z. To be fair, to be fair, a lot of the later statement is because I had no power or no way to

like store food at a house because there was roaches. So I was going out to eat because I didn't have any food. You're still so, you couldn't you just go with your aunt though? No, because it was 40 minutes away from my place. That's after about a week of no power, I moved back to my aunt. Okay. And after realizing there's roaches. So that that's why I returned everything because I know roaches love mattresses.

and I'm not about to have a mattress, spend $1,200 on it. And I can be okay with some of it. I feel like you could have made a little more sacrifice driving to your aunts 40 minutes. Shipley, salt green, salt grass, and potential BS. Yeah, I've got a real issue with going and sitting down by myself at restaurants. That's the thing you do? Yeah, like constant, like more than I probably should have. And it costs me significantly more.

because it's like I get my alone time. I don't have to deal with anybody else. Does you always have your alone time? No. Because I live with my aunt. You don't have your own room? My sister, no, I'm sleeping in my nephew's room. Oh, I didn't know that.

Okay. Yeah, I would want to get my alone time too. I'd go to a park or something. I don't even know where those are here. I haven't. A really awesome new invention called Google Maps exists. I know, but like some parks are like weird. They're like really small parks that aren't really parks

just so they can say they can, a better park dude what the fuck are you talking about that's such an invalid excuse such a stupid pointless excuse yeah obviously again i don't think the making the budget at this point helps i'll make you a budget offline once you get a job and you know what your income's going to be but land the job first okay i can guarantee i'll have a job by the end of the week all right your video won't be up by then so no what make a reminder to confirm it'll be in the pin comment we'll confirm in the pin comment below okay gives me something to work towards sounds good to follow up a week from now week from today because he said within a week yeah

hopefully by Wednesday hmm I said hopefully by Wednesday okay six days okay so yeah you spent $5,000 you made no money so again there's it's a joke you are your worldview is of a child to be honest I don't have much hope I'm just being candid here people are going to think it's rude. It probably does come across like that, but I'm also, I'm just, I want to be candid, I want to be real, I don't want to baby you, because I think you have, you've had enough of that. Yeah. Um, yeah, I'd get the job. I can help you budget and then we'll start figuring out how to get like a one month emergency fund and paying off your debt, but as of now, your worldview is what's holding you back. It's destructive. You have, you refuse to have any

responsibilities. You just put in your wants over your life and you're trying to get rich quick soon. rich quick as quick as you can instead of actually putting in the working effort I hope we can help you from I hope this was a wake-up call because I think that's the only thing that I can help you with today I'll do the budget for you but more than anything I also this was more of an example episode I'm real I started realizing halfway through and no I want you to walk with something positive I hope it has helped thousands of people out there that are like I'm gonna be a but that's a no that way though yeah I did I did feel slightly targeted when I got off the call.

And I saw the day trader like email from you guys the day after. I was like, dang. Because I told, I said I was a day trader on the phone. And it's like, yeah, it was coincidence,

probably. But it's pretty funny. Hammer financial score. Grow the fuck up. Make sure to stick around for the post show. We're going to talk about him. He's pants, I think.

That's my best guess. And then we'll dive into some of the extra drama that we, you know, didn't uncover because I don't know everything, but my producers do and they'll bring in some extra drama. And you can join the post show in the description below. And you also see links to the resources that I use or would use in specific situations, including the best budgeting and investing course, which are a bundle that a lower price, and also giving you $100 in cash rewards towards your investment accounts, thanks to Moomoo.

Today on the Financial Audit Post Show. I was mean. I don't mean this in a rude way, but isn't that kind of the premise of the show? Like, aren't you usually kind of being? value. I'm just myself. I call out things and the calling out things can be aggressive and I also like to make quips and stuff like that, but I feel like that was meaner than normal. But you get one big revenge spray right into my face. Right here, just do it. Ah, okay. Thanks. Oh, that actually. Felt nice. To watch the financial audit post show, click the join button below.