Financial Audit - "Fascist America" Forced Him Into $22,000 Of Debt | Financial Audit

Episode Date: October 1, 2025

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At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. To watch episodes of Financial Audit a week earlier, check us out on YouTube. The American Dream is not a thing. Is it I want to leave because America's dead? Yes. Brass is always greener, ladies and gentlemen. I'm already a micro-influencer.

I'll put myself in that category. Talk to fuck up. statements go through mid last month I've been doing my own budgeting too. I don't trust your budget and you're not a reliable source. Look at the financial situation you got yourself and that means nothing. Okay, all right, sure. Sign up for the new and approved dollar-wise budgeting

app. Take the free trial and if you like it, sign up for the annual version to save a ton of money and get my budget-friendly cookbook signed by me and mail directly to you. And for limited time only, if you want to bundle all of my educational programs together with the budget app, join Dollar-Wise Central and save 80% Take the trial and learn more at dollarwise.com. I'm Dylan. I'm 26.

I'm from Miami, Florida. And you're watching financial audit. Hey, you plowed through it. You kept going. Yeah, we got a little voice craft there. That's what matters. It's not to believe my style. Absolutely.

So, thanks for coming over from Miami to Austin. What do you do for living there? So I'm a social media marketing specialist at a car dealership. At a car dealership? Yeah. Okay. Big one. A big one.

Okay, sure. Okay, yeah, what does that make? That's, there's a car dealership social media do. Okay, yeah. Yeah, what do you make? So, my salary is 54,000. But, so I'll say net what hits my account per month is about 3,300. Wow, quickest we ever got to that answer to even ask net.

3,300. That's wonderful. Good. Okay. Is this full 40? Full 40 hours a week and everything? Full full time job? Yeah, yeah.

What is social media doing with a car dealership? I, okay. I don't actually need to do it. know the answer to that question. It's kind of a new thing. Like a lot of car dealerships don't really care about social media marketing. So it's something that the auditors are just daytime ads and, you know, evening news. Yeah.

Okay. Pretty much. Yeah. Well, cool. Congratulations. 3,300 in Miami. How you, uh, how you doing with that? It's all right.

Miami is pretty expensive. You got the Miami energy. I don't know if it's like the shirt or whatever or the fade, but. Yeah, I just see you doing off the flap of a. I don't do that. I'm more of like a smoke weed and have a beer type of guy. But I also lived in New York for a long time before this. I've only been in Miami for a year.

Oh, okay. Yeah. Cool. Well, how are you doing living there? Because, yeah, like you said, it's expensive. You know what? It's cool. I live by the water.

I drive a drop top. I have my fiance. We go to the beach. I have a fiance. Yes. Okay. Yeah. Okay.

Well, well, well done. So this will be a dual income household soon? It is. Does she know about your finances that we're talking about today? He is very aware of my finances. And her thoughts? I could be in a better situation. And I...

Well, obviously, everyone would think you could be in a better situation. I mean, sure. What's her thoughts on your finances getting into her life? That, I mean, mostly that I need to make more money. Is that what it is? Is that what got you here? I mean, it's also, you know, spending. over the course of a number of years.

Why is that now what we're concerned about? Why is that now what she's concerned about? She's concerned about both in the sense that I need to be on top of budgeting. Does she have insights into your spending? What do you mean? Insights into your account? Does she have any knowledge? Oh, for sure.

Yeah, we talk about it all the time. Okay, so now you got there with knowledge, but the word insights that really freaked you out. I don't know, because whenever people talk about like couples trying to get married, for some reason they want to start talking about like, joint accounts and stuff like that and we're not there yet oh she made you apply to the show uh she did yeah okay she actually put me onto the show that makes sense yeah i didn't i didn't know about you before uh yeah when you guys are getting married it's no rush probably two years from now oh okay yeah yeah no rush at all it seems that's okay yeah however you guys want to do that's fine

okay so what's going on man what are we talking about so okay so here's the the big thing is that we want to move out of the country. You want to move out of the country. Why? And I mean, a number of reasons. Some political with like how things are going right now, but also just like, look, man, the American dream is is not a thing anymore. If it ever was, it's not a thing anymore. If it ever was. In 2025. Well, let's put it this way. If you, if you have to be. Are you not making 54,000 hours a year in a major city in the United States? I mean, sure. Sure, but it's, I don't know, I want more. I want to live in a walkable city.

I do too. You're from New York. Yeah, yeah, I am. Go back. We want to experience living in more of the world. We traveled to Europe and in America. There's two parts of this conversation. If it's, I want to live in the other parts of the world to experience other parts of the world, that's fine.

That's part of it. Or is it I want to leave because America's dead. And then that's a different conversation. I mean, it's a combination of both. I mean, sure. I'm doing okay with my current job, but I, yeah. I want, I'm actually building a personal brand as an influencer. I'm taking a lot of the skills.

An influence. From my day job as well. What is your influencer, dude? What is my influencer? You think he came on here for influencer. I think he was his girlfriend applied for him. Okay, or forced him to come on the show. Yeah, what the fuck is your influencer?

What is your influencer? Okay, all right. Okay, let's slow down. I'm already a micro influencer. I'll put myself in that category because I don't know what constitutes as that. About 3,000 followers within six months. Okay. Focused in a particular niche.

The niches. Classic automotive. Ah, yes. Going international for classic automotive. Of course, because there's a bigger market for it in Europe than there is in parts of the U.S. Where people like... For classic automotive? Yeah, because Americans are buying EVs.

and SUVs. Like they're not. So you're going to Europe. When you say you want to see parts of the world, you go into our closest culture. I'm, we can debate about that. Our closest culture compared to the rest of the world?

I mean, you're right. Canada and Australia, sure. But then come on. Western Europe. I mean, I'd like to explore Eastern Europe.

Two of the point is to get to a place where I can, where I can explore more where there's, you know, walkable cities and where I might I might want to raise our children. I mean, it's either that. or Latin America.

We've explored a bit of that too. She is Colombian. I'm Dominican. Okay, but then there's like, all least Europe has like thriving economy. Even if it's flatlining, it's still thriving. You have places that are blowing up like Poland and.

Sure. So you're saying my point that there's options in Europe. I'm not saying there's not. I'll support what you want to do. I'm trying to understand your why. Because we've had people that have come on the show that want to abandon everything, fuck up their finances to move over there for very,

very silly reasons. If your reason is, oh, because I like the culture, I want the walkability, I want to settle down on a career that makes more sense there. That's fine. Again, a lot of people are willing to blow everything up because, you know, politics in its current state are what they disagree with where it'll probably change in four years because that's what happens every single time. And they're willing to blow up their life just for the sake of an election, which is very

silly. That is pretty silly. I mean, hell. Is that now you? Because you said the, you brought up the politics. I could add the context. I was in Paris when the election happened, and we almost didn't want to come back.

But, fuck it, we did. Yeah, okay, Paris. What? France's unemployment's, their economies, like, France is not the place we would be moving. If we're trying to look for a thriving place. France would be looking Norway, you'd be looking Switzerland, you'd be looking Poland.

I would like the Netherlands. I really love Spain. She loves the UK. Spain is a failing country by every man. That's hardly even a first world country. Well, I'm looking at making money online. Grass is always greener, ladies and gentlemen. Okay, man.

Well, grass is always greener. Sure, yeah. I mean, but it's... Remember, people move there from here because grass is cleaner. It's a great big world. Absolutely. We're still in our 20s. Who knows what could happen in life?

Yeah, you're 26. But you're talking about settling down making kids, right? Isn't that one of the big places? Eventually, I mean, yeah, a few years from now. So what's the country guys are picking? Like, when are we doing this? Because I'll support you to get to what you want to do because that's the point of the show, right? It's like unless what you want to do is just completely damaging to you, then I won't do it.

But I mean, if you want to move there for reasons, that's just like, yeah, I want to move there. And you're not like because you're like, oh, I'm scared. It's like, okay, then like that I'll push back against. But whatever, it's fine. But this influencer thing and wanting to settle down with kids and I don't feel like you know where you want to go because you just mentioned three very different countries. There's definitely some time to spend exploring before deciding. on exactly where we're going to settle down. I mean, we've...

So what's the timeline on this? What am I doing here? Okay, that's a great question. For money to fund this? There is some savings. What visas are you looking at? Like, what are we doing? It would make sense.

There is some savings. Well, then I would... Hey, Lee, let's have a little fact check real quick. Fact check, $164. It's not just my... my savings, but also more, okay, so the girl. Okay, but more importantly is, well, he has $22,277 is that we have skills. I have skills that give me a lot of freedom to work in different places. I'm at videographer, you've accumulated a couple thousand followers. I'm not saying that's nothing, but that's not our

income replacement. Uh, no, but I'm on my way over there. This is, this is only my first year. Not, I'm, I'm going to make it on what? On Instagram. Right. Okay. So I can start doing TikTok. I can expand into this. I was going to say like, start doing affiliate marketing. Because that's what it would have to be on Instagram because Instagram doesn't pay dick. And TikTok barely pays dick, but at least they pay dick. Okay. But I'm at least aware of options. There's a whole economy.

Okay, what's the affiliate marketing you're doing in the world of cars? Because I know a car creator. They have well over a million followers on YouTube, get hundreds of thousands of views. I don't think it makes the money. I think it does. And they get all the top automotive affiliates. Okay. I mean, yeah, there's a lot of options, though.

I mean, yeah, there's classic car dealers that have a, affiliate programs. There are... Classic car dealers. So you're banking on like one a year? No, no, because I'm already in the industry of car sales. I'm expanding my skills to work for myself. In the industry, buddy, you're marketing.

Yeah, I'm marketing. I'm sorry, you're not a car salesman. Bro, in 2025, you're trying to get people to go to the dealership, right? People do not come into car dealerships without... People don't know where car dealerships are unless they see them on social media, buddy. What are you talking about? I'm pretty sure they just use Google Maps or Apple Maps and just search cars.

But then you need to look at people. Okay, the modern car buyer is very educated and looks at their different options, shops around. Based on the cars I've seen people have on the show, I would disagree. But continue, continue. People aren't exactly educated always on their financial situation when buying a car because people sign up for. So you're educated on what they gooned to. Yeah, I'm educated on the scam of auto loans. No, you're saying the consumers educated on like the car they want to just like, oh, yeah, that shit's delicious.

Consumers are educated on what they want in terms of the product. Sure, they see a nice car on TikTok. You're saying that's them educated. I got you. Okay. But it's also not just that. It's also that I'm working in the classic car community. I've expanded.

Your major dealerships, all classic cars? No, no, no, no, no, no, no, no, no. The classic car thing is just me. This is something that I do. This is my influence that I've been building on my own. And in doing so, I need, show me the Instagram. Let's bet. You want to see it right now?

Yes. Okay. We're going to blur the names because I do not allow people to plug things, but I will screen record it. Should totally plug it, though. Nope. You know the rules. It'll be a great opportunity for everybody, maybe in the post show. Sounds like only you.

All right. Yeah. Well, I'm not 25, but here you go. Let's take a look at it. Let me know what you think. I meet with classic car owners. It doesn't even have this picture. That helps.

Meet with the owners. Help them find buyers through my platform, people that follow me, you know, particularly, why are you in this house picture? Yeah, that's me. Okay,

because in that, you look, like right now. I needed a haircut in that, in that video, yeah. In plus years now. Feels get like a thousand,

500, 400, yeah, I mean, we're just getting started. I'm getting a decent amount of engagement. Okay. Okay, look, I'm on my way to 3,000. Yeah, it was a very roundup by, hold on.

Sure, go ahead. He rounded up approximately 20%. Okay, yeah. If you want to take a deep dive into my professional dashboard, I'll be at 3,000 before the end of the month. That's just my average growth rate. Okay. I hope so.

Like, I'm not discouraging. Is this? Why? Is this not an iPhone? It is an iPhone. What fuck is the button? I just have a case on it. Where's the buy in?

The plane fell off the case. Yeah. So that's this one thing. I haven't bought a new case, but I don't really need one. It works for me. Why would I buy a new case? Because I can't lock your phone right now. Well, it's my phone.

Okay. But anyway, yeah. So I've been working in videography, photography for some time now. And the bigger scheme would be to help find homes for classic cars because people sell them, people buy them. If I can help sellers. I just don't know if I can say this is good or bad. I just don't know the community.

I'm sure it's a very niche thing. Yeah, it is. But it's just like, this is what you're banking on? And it's hard. Well, we're sitting at 22,000 hours of dead. You're like, we have, I have savings to get there. It's his fiance savings. We work as a team.

Yes. How much in savings does she have? And then I'll deduct 20% from it. 8,000? Okay, so it's probably closer to seven. Gotcha. Okay. All right.

Yeah, sure. And that's more important than paying off the $22,000 to debt, which is all bad debt, by the way, not good debt. They are all credit cards. It is all bad debt. Could be worse, but it is all bad debt. Sure, it could be worse. Why the fuck does that matter? Who gives the shit?

Okay, man. Because it could be worse. Or are you just trying to flee your debt? Are you trying to flee your financial situation? trying to flee that you just haven't found the life you want to live here. I'm just, I'm confused. I vibe with the walk-of-ville community things such as yourself. Yeah, right, who doesn't?

I mean, clearly, paying off the debt is a lot more important, and that could be, you know, that could push back the plans. I mean, I'm being told you told Colton that you released since in five months, and that's when you told me, that's when you told him you wanted to move. Five months? I, remember, the savings is probably $7,000. That doesn't even come close to paying off half of this debt. I just have to be more aggressive with paying.

out the debt, that means more aggressive on budgeting. When our savings can pay off a third. Make this make sense. It's not making sense. Well, like I told to you, what she's been saying is that I had to make more money. So, I've been looking at it. You don't know where you're going to move. You don't know the visa process and financially how are you going to do it. Please explain to me what the fuck your plan was because right now there isn't one as far as I can see.

Right now, there's still a whole lot of planning and research to do. Five months for international move. Yeah. Visa. Yeah. Okay. I mean, we're looking at going back to school. You know, having a student visa creates a lot of options.

Yeah. Yeah. Okay. Where are you going to go to school for? I feel like we'll lose our income and paying bills for that. Well, school can be a lot more affordable overseas than it is in the U.S. Yes. That's also why I have a dream is dead.

It's just a fun fact for you. If something costs a dollar and you make zero, that's still unaffordable. If you're going to school, you're probably not making money. Yes, if you go to school, you're not making money. No, because I'm trying to build a vehicle of passive income. Sorry, guys, I forgot about it's 2,500 followers. I'm just getting started. I don't mean to shit on it,

but your anticipation of being able to go make this work in five months with 2,500 followers right now is not a logical thing. I mean, even if that doesn't work out, I still have skills that can get me work virtually anywhere right now. Okay, pick the country, and will you? use that for a conversation. What's the top country we're choosing right now? Mexico. Mexico. She wants to move to Mexico City before the possibility of moving to Europe. You know, everyone in

Mexico City is dramatically protesting that. Protesting what? Every American moving there. Because it's just like you. You're doing the nomad, the, the, what's it called? I don't remember, but you're doing the make the money virtual and priced out everyone there. Now, I I mean, I think people should live where. Yeah. Not everyone should live. I mean, if you can, if they allow it.

If the country allows it. People would try or they can, sure. But that's not what I'm advocating for either here. But you're doing in there, right now it's very toxic there. They are protesting every American moving there. Well, very interesting compared to like 25 years ago. Okay, sure. I mean, it's not my first choice.

She wants to, she wants to move to Mexico City. We have to pick a place and you already see the big flaw with it. Okay. I mean, shit, we need to work around it. At least we're Latin Americans and we're willing to adapt and appreciate the culture of Mexico. And we can live very simply. But the thing is, the big argument is they're bringing in very high incomes for the area right now because Mexico is that a high income. It's a problem.

Oh, and usually gentrification actually leads to overall positive results for pretty much everyone. It could. Yeah. But I recognize the problem in like price gouging in the real estate market and how that affects the overall local economy. aren't earning for those who don't for those who are on the lower income scale in a community when an area gets better prices go up and if they didn't have ownership opportunities they get pushed out that is the downside of gentrification that is the downside of gentrification but there's a lot of upside that comes with it that unfortunately people aren't willing to talk about in a nuanced

conversation like safety better restaurants better food better everything I don't want to be a part of like taking people out of their homes especially but you would be okay I mean I mean, there has to be some way around it. Is there no way that I can find property in Mexico that... So you're going to buy property? You're going to colonize. I'm just using the same logic they use. Colonize, man.

Come on. This is the same thing they say online. This is what people say. Damn. Okay. Yeah, I wasn't thinking of that way. But I don't know. You're born in New York?

I was actually born in Florida. I lived in New York for over three years. You were born in the United States. Yeah. Yeah, I was born in the U.S. They will call you a colonizer. Unfortunately. I mean, what, would they call me a colonizer in Spain, too, you think?

If you buy a property. So then what's the difference? I mean, hell, they're trying to sell homes in Italy. I'm not saying this. I'm pushing back against what you guys are going to try to do. Okay, well, it's not going to stop us, man. So, uh, this. Good, then we'll plan for that.

That's what we got to do. So Mexico. That's easier, more affordable. You need to make a lot less money than you would, Europe. For sure. It's closer. That's kind of the main thing. It'd be easier for family to visit us, especially with them being in Florida. Flights are pretty inexpensive to get to Mexico and fast. I'm also told you tried to be a podcaster and YouTuber in the past, but it did not work. Yeah, I did YouTube and podcast for, man, better part of a year. And my problem at that time was that

I wasn't properly niching down. I didn't exactly find precisely what my community was. And that's why I'm so focused now. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill three-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all to. Together. Shop Spring, backyard days for seven days at the Home Depot.

Now through May 6th. Exclusion supplies to homebopo.com slash price match for details. I want automotive because I feel like I have found a niche in a community that is adopting me pretty quickly. And I have a lot of connections in the industry now as well. Yeah. Yeah, I've been seeing a whole lot of opportunity in it. So I'm just following that thread. Okay, dokey. Before we get to these finances real quick, Colton just typed to me,

you're hiding purchases from your fiancé. You come in talking about how, okay, my fiance, she has some savings. That's how we can kind of do this, even though it was, again, just like a third of your day. You wouldn't be able to wipe out your debt before you guys do the move. But you're hiding purchases from her,

like actively hiding. That is a bad habit. I have. Habit? Yeah, yeah, yeah. Would cheating be considered a bad habit? I mean, what was happening was mostly the person. purchases was that I was eating out a lot.

It was mostly like fast food, deli runs, that type of thing. And she, we were both very focused on trying to budget more because we have all these different goals with like wanting to move, wanting to travel. We've shared those goals with each other a lot.

And I let, I don't know if you want to call it like craving, or my inner child or whatever, like, getting the way. What the fuck is that? Bro, I'm just, I'm trying to explain what was going through my mind, is that I was eating out a lot. I knew she wouldn't approve of it. I was afraid of how she would react,

and so I just didn't tell her about it. Eventually, of course, she found out. She was very, very upset, not even because of how I was spending the money, but because- What went down? But because- What happened? What went down?

I was, I went to sleep early one night because I had to work early the next morning. And prior to that, she had been asking me, too, like, have you spent, have you gone out to eat? Or, like, have you spent money on food this week? And I said no. And she woke me up at, like, 3 a.m. asking me again, like, did you spend money on food this week? Why did you lie? Private student loan debt can be overwhelming.

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especially if we're about to abandon our entire lives to move somewhere. How long have you guys been together? We're coming up on four years. So why the f*** did you lie? Like, why else do people lie other than shame? And then how'd that conversation go when she woke you up? She was pissed off. I, of course, was tired and then just like just feeling shit about the whole situation.

Um, and. And since then? Since then, I have been honest with her whenever I do spend money, especially on food or anything that I know that would just bother her about like dumb ways. Huh? You never once. Never once, like, spent money and didn't told her. Well, is that about telling everything? Like, more the hide.

Hide? No, man. I'm not going to lie. Rather, not going to, yeah, hide or lie. Like, like, yeah, what I was doing, I would, I would go get fast food, eat. in my car and throw away the trash and receipt so she wouldn't find it. I don't go about things like that anymore. If she asks me, I'll tell her. Sometimes I'll tell her anyway, even he doesn't ask me, because I know she wants to know. And I've also just been making better habits of not eating out,

actually cooking more meals at home, especially lunch and breakfast going to work. I still do sometimes. You know, it's not perfect, but what's more important is that I'm honest with her. because it's important to our relationship as well as finances and health. Going out D was almost 300 bucks. That's, yeah, man, it was bad at one point. That is bad. Yeah, it's, that's what I'm saying. No, you said you got better.

I've recently gone better. Oh, a week before he came on the show where his finances would be. And the last month, because you have my statements from August. We're in the middle of September. Oh, come on right before coming on the show. That's always the most BS excuse there possibly ever is. I mean, even then, I was still, I was still, I was still packing lunches.

I've just gotten better at it. I've even been intermittent fasting lately, just that way I'm not like going out for breakfast or like buying coffees. I mean, I also have other large purchases of $1,837. I don't know what that's going to do, but that's such a substantial part of your budget.

Miscellaneous bullshit alone about $500. It could be video games, it could be who knows. There's definitely some bullshit in there. So, yeah, there's a number of things. Why? Why? I mean, these are lifestyle choices and habits. I thought the lifestyle of choice was to get overseas, though.

That is the big picture. Yeah, I mean, if we're going to do that within that time frame, that means cutting back on a lot of things. That means even more strict the budget. I don't think there's any possible way. You have 22,000 hours of debt. How can you? Will your social media job follow you there? I can.

You don't have an answer on that. I don't know. I don't think I need one. I've been able to find work pretty quickly doing what I do. You won't be making American dollars in Mexico. I thought that's what you were attempting to do, is to keep American income in Mexico. That's why I'm building my own brand.

Buddy, 2,500 followers. I'm sorry. Okay, but that's still really early developmental stage. Exactly, but you're moving in five months. Okay, well, what's your follower? How many months has it been since you started? It's been six months.

I don't do, I just had an inch in my nose. Six months? It's been six months. And the engagement. engagement rate and follow rate has gone up since starting, more so in the last two to three months. Okay. So let's call it three months then. Okay.

$2,500, divided by three. Good. So $8333 on average, you're $2,500 plus $833, plus $833, plus $833. Great. Oh, wait, plus $833, good. It'll be at $6,500. That's enough to at least qualify for brand deals. That's enough to gain trust.

Dude, your brand deals are going to be like $25, though. I don't think you know. I'm in this world. I'm in this world. I mean, yeah, you're in it. Yeah,

and I respect it. And I'm also in a world where brand deals pay higher because this is money. Of course, yeah. Automotive is actually pretty good. Automotive is pretty good,

pretty good, but not as good. And I still know, one is going to be based on view counts more than followers. And I just saw your views. I mean, we're looking at like a thousand or 2,000 per real.

Those are very low quality views. Okay. Because it's short form content. I'm starting, right now I'm working with just over 30,000 views per. You're not going to get brand deals, you're going to be on an affiliate basis. That's also, yeah, I mean, there's very...

No one's going to give you flat rates. You are going to be on affiliates. No, no one's going to give you flat rate at those numbers. You are going to be affiliate, meaning you get a commission on what you sell. Do? Or do not. There is no try. Of course you're going to try.

I'm not talking about what you're trying or not trying. I'm talking about what's going to work in five months. This is an unrealistic plan by every means. I mean, I have to consider various options. I mean, right now I'm even looking, getting a second job just that way you can bring in more income. No, I'm talking about it in five months.

Okay, but I need, if I can save more money within that, within those five months, so that way I can grow savings as well as pay off the debt, I have to look at some type of option. You're looking at me like I'm crazy. Yes, because listen, you can make a little progress on this in five, months, but this does not, this does not answer how the fuck you're going to live there. I mean, I don't know.

There has to be every business in 2025 needs. Dude, this is kind of crazy. This is beyond higher than I thought. Beyond higher. Individual aiming for comfortable lifestyle in Mexico City, including entertainment, travel, decent housing there. United States dollar, 60 to 85,000 hours a year. Okay, that's...

Five to seven thousand hours a month. Okay, that's if you keep your current job. Well, you actually... Well, yeah, that's if you keep your current job there, but you don't know if you can. It doesn't matter because the skills I have, there is demand for it. Every business in 2025 needs marketing. If you're not marketing on social media, you're going to be lacking. Hold on, big guy. This is very much service consumer-driven economy.

I'm not saying Mexico doesn't have one, but America's the top of the world when it comes to that. We'll go into debt for anything. Yeah, marketing, social media, manager is more prevalent here than I mean you got South Korea and Japan sure I mean yeah come on that we're talking a lower income middle income country that's assuming that I have to get a job like I have to get like a

you know 1099 working for another another company in Mexico maybe have you looked at the visa and work permit processes I mean before this I was doing freelance have you looked at the visa work permit processes you don't even know what you can do for Mexico I have not what the fuck you're doing then USD the median wage

there, by the way, on a monthly basis, is $14 to $1,500 a month. So if you don't take your American job, good the fuck. Okay, I mean, Mexico was one option. You said that is your option. Your top option that she highly wants to do. This is what she wants to do right now. What's the second best option? Second best option would be the UK.

Oh, out of all European entries, why did you have to pick the literal fastest declining? Come on, dude. It's done. done. Pick another one. I'm not even going to love that as an answer. Just because it's easier to talk there. Okay, Spain, at least they're already done. They're not going down. Like, UK is in the collapse world.

Spain, yeah, if you're making a higher income, sure, you can go live there. If you keep your higher income, you can live a great life in Spain. It's not an overall great economic situation in Spain in general. If you're going to be going and just working in the economy though. Like I said, really wish you picked one of the more northern European

countries. They're slightly like Poland or Germany even. I would. I would love to live in the Netherlands. There you go. Netherlands is fine. But even still, I don't think you know your options in terms of visa processes and whatnot. I should look a whole lot more. If you want to do a big international move in five months, I would say, yeah, you probably should look a little bit more.

Yeah. Look, I'm moving a lot more with our experience. We traveled a lot into these countries. We spent over a month in Europe last year. That's our perspective as far as where we want to be. how we want to live, do need to look a lot more into the practical, logistical stuff. Uh-huh. Uh-huh.

Honestly, bloody, this sounds like you're just relying on your fiancé to me. She has the savings. You have the debt. She's choosing where to go. It sounds like you're just along for the ride and you're relying on her. I will say that she's the one that's more financially responsible. That's why she's a fan as a show and she got you to apply, right? Yeah, yeah.

Maybe that's why she's also not here, but also she's traveling. By the way, failure rate for those who moved to Spain, 75. 73% come back. Just going to throw that out there. That's the rate of people that move to Spain and come back to the U.S. Huh. Good to know. It's not impossible.

Yep. Leading cause of failure for all expats are often related to lack of preparation. While you're doing this in five months and not prepared in any way or so or ever. Yes. And the inability to adapt to new circumstances, Germany, Italy, France, Austria. Oh, cool. Yeah. Yeah, very cool.

I might be the coolest guy you ever met. I need to explore Eastern Europe a bit more. she's in Germany right now. Yeah. Okay, cool. Well, I guess that was a good way to deflect everything I just said. No, I had no idea that you actually even like been to that side of the world. Yes, I love walkability.

Again, I wouldn't go to start a career in life in many places there. In many places, I would. Would you give an example? Switzerland. Switzerland. Norway. Yeah. Poland.

Yeah. Yeah. Norway seems cool. But I'm set up in a way where I put. probably could. That's not me jerking off. I've set myself up. You're hoping that your 2,500 followers turns into $5 affiliate deals in five months. Five dollar affiliate deals. Dude, I don't, you are dramatically overestimating. Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know I've been working on building all these

educational tools or budgeting that, all this crazy stuff over this past year, because that is where my passion is. We finally did it and now we put it all into one program. called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason.

And guess what? If you are struggling or you want to learn more, or you want to change your life in any way whatsoever, Like, literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time.

This is a no-brainer. Dollar wise. com. Let's f*** go. Hey, I don't. Hey. Okay. Pause.

Yeah. Pause. Sure. Pause. Pause. What? What? Let's bringing a chair.

Brandon, come over here. Guess what? He's the head of brand partnerships at Hammer Media. He negotiates just on a. that daily basis. We're in the top 10 podcast on all of YouTube. Okay. This is great insight. We're in the top 10 podcasts of all the internet. And he'll tell you how difficult it can be. Okay. All right. All you guys know, you'll love him. He's the translator. He's the degenerate. He's the brand deals manager. He's the post show sitter.

He's the fat of fat and fatter. Brandon. He's here. Okay. So he actually does this stuff on a daily basis. Real conversation on this. Okay. Let's talk about it. 2,500 out, 200 followers. he might get up to 6,500 or 5 months on his growth rate. Brand deals making a living off of that. Thoughts? So we work with a ton of companies. Sure. Number seven podcast on YouTube.

The rankings just came out now that we're officially on the podcast. We went from four to seven. We'll go back up. Didn't have the best episodes. Regardless, one of the biggest podcasts, truly in the country. Yeah, definitely on the platform. Yeah, that's great. There are companies that I talk to on a daily basis,

And we are very analytical with the things that we actually put in our media kit in terms of past partnerships, numbers, data. We're very data-driven. Yeah. Look at me. I got glasses. Okay. Very data-driven. There are companies that still will not touch us just because they don't see the vision in it.

Okay. And the size is massive. And we have all the data and the numbers. So when you talk about 2,500 followers. Yeah. With a thousand or 2,000 reels of you. Yes. Reels.

What do you see? say that's because of your numbers or because of your niche and audience base? Less on that. To me, I mean, it's always the hope of a return on investment from a brand deal. Of course, yeah. Okay. That's exactly what it's exactly what it's about. Their goal is to, at the minimum, break-even, of course, you can exceed their expectations

and make them a shit ton of money. We have partners that we have made a shit ton of money. Yeah. When you're getting a thousand views per real, let's say. that you even put something small on there or even your story. What's like an average story view for you? Average story. Like if you post something on your Instagram story.

The story guy. Social media guy. Come on. Story views. Yeah, my stories, I'm getting like 50 views. Okay. Yeah.

Still pretty low right now. Most companies are going to have you do like a three story. Click on your Instagram story. They're going to have you do some sort of TikTok integration, some sort of YouTube integration. Your YouTube's not big enough. I don't think your TikTok's big enough. I don't think he has them.

I actually haven't been focusing on. on that yet. Those are the ones that make money, by the way. Just going to throw that up. YouTube, I mean, yeah, when I started doing like any type of content creation, I started with YouTube. Like I said, I did that for about a year. And yeah, so he might get affiliates, the affiliates that everyone can sign up for. Yes, these aren't ground changing earth, shattering affiliates. These are just anybody can sign up for this. Okay. And you'd be lucky to get, you know, five, 10, maybe 15 bucks out of an affiliate deal. But if you're getting 50 views on your story per average.

I think he's on his way to make about $50 to $100 a month. If you're lucky. I think that's it. I think that's your income is $50 to $100 a month. See, my problem is that I did freelance videography for about five years. And my, I was able to make income by offering my services to local businesses as well. Well, sure. Yeah, great.

Good grind. And that's good. But remember, it's going to pay dramatically less in Mexico. Okay, sure. So then I need to have more clients as well as I need to keep. On expanding. Sure. I guess you can work 24 hours a day, seven days.

It's been 365 days a year. You got a hustle. Try to make up for it. Yes, but it's still not going to equate to the same amount, especially in an expensive city like Mexico City. I don't know, man. I'm not taking the discouragement right now. No, we're not here to discourage you.

We're here to real world because you're about to blow up your life in five months. I will tell you something. Sure. There's a creator that I know because I'm very much in this world. A creator with 50,000 followers on Instagram, which is not a lot in the creative. later world. If that is your job and that is your prime source of income, it's still not a massive following. We almost have a million on Instagram. We don't do Instagram deals, but what have

we been offered? Do you want me to disclose those numbers? We can either cut it or not. You can like, when I sell something on your Instagram or something on your TikTok, it's like, a lot of money for like one post. That's juicy. For like one post. And we've done it before. We've done it a lot. But there's a, there's an information. influencer that I know that has 50,000, they were lucky enough that a company was willing to take the gamble on them for $2,500. And that's a- That was one time. That was one time. That's at 50,000 getting, you know, a couple hundred thousand views on their reels.

But at 2,500 followers and 50 views on a story, I mean, buddy, those are- Piyadh. Sounds like our follower views is about a billion trillion smack-a-roo. By the math he said, so you will be. at I can recognize that right now the numbers are pretty low. It's going to take some time. It's to take a lot of work. Five months is not a lot of time.

Your brand deal will be $104. To performance levels. $104. If it means having to live a whole lot more simple. It's not just about living simple. Mexico City isn't simple. Okay. What do you mean?

We just pulled up the numbers of what it takes to live there. Okay, yeah, it's like similar to how I'm living right now. I'm trying to make you not blow up your entire life. Okay. This isn't about discouraging you. You might be able to build this up. Yeah. But not in the way that you are thinking in the time frame, you are allowing yourself.

So I need to give myself more time? As a starter and pay off your debt first and have a fully funded emergency fund before you even consider this. And even understand the visa and work permanent. processes. That's definitely one thing I really need to prioritize. Oh yeah, in five months. Oh, actually, never mind. I got the answer. Hey, Brandon, guess what? I got the answer of how he's actually doing it. Okay, good. He borrows money from mom and dad currently. Oh, and the in-laws currently. I did that one time. Great, great, great, great. And when did I borrow money from my in-laws? I don't know. This is what I forgot. No, no, no, no. I didn't borrow money from

them. The car. When we initially, my parents helped me with with, uh, with money. when we are moving from New York, as well as when I bought a car. And now you're moving in even more expensive move. It will be a pretty expensive move, given that it is international. Yes, that's what I'm saying. And you had to borrow a move in national. Local. A little bit.

Yeah, I borrowed $1,000. It's borrowing money. It's just showing that you cannot do it yourself. I mean, that's why I'm in this situation now that I, I'm over $20,000 in debt. I didn't have a lot of money. Yeah, no one's combating that. I'm saying you're trying to do this again,

but more expensive in five months, but you have less money than before. Okay, so I need to make more money and I might need to get myself more time. Dude, if we were on a two to three-year track, yes, I would say make more money. You're talking about doing this in like a quarter and a half. Okay.

We can't have the conversation about like if this would be like a year, two years from now. Of course we could, but you said you're doing it in five. But you and your fiancé are expecting? That would be ideal. That's when our lease is ending. So when that happens, it's either that we resign and we have to give ourselves a whole other year or, you know, this starts a whole other conversation. Okay.

All right, Brennan. We'll send you away. This is a situation. Thank you for your time. Absolutely, buddy. Let's get into these numbers. What do you think your financial score? You said this place was steps from the water.

We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water. The Hilton sale is on now.

Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton for the stay. For as 0 to 10, 0 being the worst, 10 being the best. 1.8. Okay, that's not how that works.

But that's okay. That's the score that you gave me already, Caleb. Oh, the website? Well, it rounds up to do. Okay, so you're two. Oh, okay. Maybe. We'll see.

Maybe. It might be a one. If you want that score, take the assessment for free at CalebPamber. com, figure out where you are in the world of money, where you can do better, where you're already doing great, where you need to improve all that good stuff. It is free at Calebhammer. And make sure you sign up for my favorite budgeting app. Financial Auto is powered by dollar-wise.

All you got to do is sign up for the free trial. And if you like it, take the annual. version to save a lot of money. And I will send you my cup, my, and I will send you my, and I will send you, what the and I'll send you the budget, and I'll send you my budget friendly cookbook signed by me mailed directly to you. Check that out. It's fun.

Dollarwise.com to learn more. By the way, I will say this. If anyone's ever had Dollar Wise out there and you had issues, fair enough. we had outside contractors they sucked we fired them I built an internal team and the day before I filmed this episode

which is many weeks before you see this we launched 4.0 in every single buck anyone has ever been complained about has been completely fixed and the app is now top of the market go check it out it's very exciting

I love the internet money huh I don't know if you ever like compared dollar wise rocket money yeah believe it or not my business internal team that I've spent hundreds of thousands of dollars to build out does product market research okay sounds great to try it out i've been using

rocket money so i hope it's better yes yes yes much less cluttered much easier to use yes yes sounds great sounds great okay big guy venture what it's going on uh like what are we spending it on what's going on what's going on with the card i don't know buddy you tell me i don't know you okay all right the card is my current highest balance it's mainly been used for travel um why why are you traveling so much is that your influencer bullshit um um That's part of it. That's also... You're doing cars.

Okay. My fiance and I love to travel. It's part of our lifestyle. Well, I think she can be a travel influencer. Is she trying to be? She... Then fuck you. We've had conversations about her being a travel vlogger.

She's a great writer. Blogging! It's 2018. 2017 YouTube. Having a travel blog. She's a writer. Okay, we're going back to 2008. People subscribe.

to substack. Yes, people subscribe to substack. Hey, maybe if she's lucky, she'll get $100 in affiliates too. That can be great. Sorry. We can work as a team. I'm sorry. It's just like where you guys are trying to,

I would love everyone that wants to be a creator to be a creator. I cheer for it. You're just going in such a optimistic worldview way. That's unrealistic and unintentional with what you're trying to do. I mean, how else are we supposed to look at? It would need to be at least a little bit delusional to even go for the dream, right? No, you got a fucking lockdown, put. realistic goals and grind, grind, grind to get to every goal along the way to get to the

ultimate goal. I think there's a balance of both. You're just like, oh, that's going to happen. You need to, you know, we talked about blogging. Let's be honest, your bank saving account is probably doing less than your expired gym membership. The national average saving rate is like 0.39% APY. That is basically your money taking a nap. But with today's sponsor, Chime, you can earn 3.75% APY on a high yield savings account that is over

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Okay, so this is your everyday travel card. Wonderful. Yeah, so we mainly be using... But you missed the payment. You were behind. So I... Minimum of monthly payments, $1,256. I can explain that.

We have a balance of $7,800, $79,000. 62 cents with interest charging of $186.67. Yeah. Go ahead and explain it. So, yeah, the situation sucks. I was looking into options to save money on interest. I wanted to look at potential see what loans I could qualify for. Okay, first of all, this has been a huge investment for our, for our knowledge, for our lifestyle.

Oh, my. Dude, I don't have any student loan debt. So instead, what? And even, yeah, yeah. Oh, no. Guys, he doesn't have a 4% subsidized federal student loan with lots of protections to get a return on investment from his degree. Instead, he has 30% credit card debt.

Okay. What? All right. What are you bragging about? I'm bragging about the fact that, like, at least, I mean, I don't know, I can go bankrupt and I still wouldn't be stuck with that debt. He was student loans. He is so forgiving.

Federal. It would have been a lot more money. People are, people are on. Do you think what I would have suggested is go to college for four years and borrow whatever it takes to get whatever degree you want or travel to anywhere you want and put it all on credit cards? Do you think those are the two options I would have provided? Why are you complaining those as the options? I'm not, okay, it's because I'm saying that it was an investment on knowledge. Knowledge.

What knowledge did you get? Well, the wheels go up this far into takeoff. It's, I mean, a lot of people don't get the experience of traveling the world. What's your knowledge? What did you gain that you're able to apply for a higher income? Making definitely probably just about the median in Miami. I think that you have not applied that. Look, I think that the experience we've got traveling.

The experience, sure. It's very valuable. And yeah, I think it's valuable in which way? in terms of fun memories. And how we want to live the rest of our lives, bro. And that it's not going to be here. I don't want to raise my kids in the suburbs. Then move to not the suburbs.

You can be downtown Austin. You can be downtown Miami. You can be New York. New York is the closest thing. It is. Chicago is pretty good too. San Francisco. Yeah, I spend some time there too.

I love Chicago. San Francisco's walkable. Portland's very walkable. Many parts of Seattle are walkable. I'm not saying we don't have it. I'm not saying it's perfect. And I much prefer how communities are built in Europe. I do agree.

I agree. Yeah. So that's the value. But you said you were getting education and a lot of shit from all the. What are you talking about? In terms of, dude, drop your little person down in Google Maps and you can tell somewhere is walkable. You don't need to be traveling the entire world.

That's not the same as actually going there and experience. It's not the same. But you can tell what is walkable. It's not the same as culturing yourself. No, but you're culturing yourself, but you're saying you're getting all this value, all this education. You were trying to conflate it with borrowing for student loans. Buddy, you learned somewhere it was walkable. Woo!

And they spoke a different language. Yippee! Great. Buddy, you could have figured out where you wanted to move relatively with some decent research and then practice going to one place. If that was the highest research place that lined with what you wanted to do. I don't know. I'm glad that I don't. You're excusing and coping with you wanting to see the world with getting a ton of value from it.

You had fun. You had good memories. I'm not discounting that. But you're trying to conflate it with something so much more. You were trying to justify and cope the fuck out of this. I. Why'd you move from New York then? By the way, if that's what you want,

because that's where you would want to be. Well, we wanted to spend some time closer to family because we know we want to, we've known for some time now. Is that a two hour flight down there? The country. Three, maybe? From New York, yeah.

I mean, yeah, but I'm still seeing family a whole lot more often now that I'm in Florida rather than being in New York. Okay, well, that's good. We want to move further. Something tells me Europe is far. Yeah. So that was the point. That's the point.

If you're going to listen to me for a second, is that we decided to move to Florida for some time so we can get some time with family before we decide, hey, we're going to move to another side of the world. We're not going to have the same level of access. But why not back to New York then? I would. I'm moving to New York. That's great.

I'm excited. Yeah, I heard about that. That's awesome. Not from taxes or finance. Let me tell you. I believe that. Always ask about that. Literally just the walkability.

Yeah, I bet it'll be for the lifestyle, which is the lifestyle. I think it's worth it. Yeah, when people value that. Some people don't. Some people, yeah, but I, it's, it doesn't matter. Why not go back there? Because at least you could do what you're doing here. I, man, I would consider moving back to New York.

I felt, I felt like if we didn't leave New York, we were never going to. I think that's what's going to happen. You know the education they did, by the way, in order to figure out what walkable city they wanted to move to, a 34-day back-fable city. backpacking trip in northern Africa. What are you talking about when we went to Morocco? Yes, that is in northern Africa. Yeah.

Well, yeah, we went to, we were in Morocco, we went to Paris, we were considering moving to London. I'm not considering moving to Morocco. And why'd we go there? I thought this was the entire point. This was you were trying to justify in court with. It was a part of you having fun and blowing money you didn't have. And that's all it is.

We wanted to spend a month. You learn that some cities can have all their buildings be blue. Hippie. Okay. I mean, it's cool. Okay, this could also be very good experience if we're, if she wants to be a travel blogger, this is, you know, investing into. How much did the Moroccan trip costs? In Morocco?

I mean, you want the price for the whole trip altogether. Sure. How much was the trip? The whole trip, it was, it was around 8,000. Good. So with her travel vlogging with the commission, she's likely going to get similar to you. Eight thousand. Let's see here.

Okay. She needs to get about 80 sponsorships. She's averaging a couple a month. You know, we're talking about three and a half years just to make that up. And I'm sure in order to do the block, she's going to need to travel quite a few more times than that time period. Okay, sure. This is also assuming very small performance numbers. I guess you guys are getting married and I know people like you travel.

You probably need like a dream wedding destination, dream honeymoon too. We want to have a small wedding, but we do. want to have a destination wedding. Yeah. Yeah. You guessed it. Yeah. I sure did. Yeah. And where's that going to be? Do you know? Probably Morocco or Portugal. Yeah. Are they going to be happy seeing her ankles? She'll be wearing a dress. Also, it would be in a private location. Have you been to Morocco? No, one of my employees is from there, though, so we love to joke about Morocco. Oh, that's funny. It's a great place, man. You should check it out. No, it's good. I actually really want to go.

Yeah, you should. I make fun of all cultures. I mean, I hate the culture. I make fun of Americans, too. Don't think I'm racist against Moroccans. I make fun of everyone. That's the fun of living in this world. Oh, great.

And you just came back from Columbia for a wedding. No, my fuck, dude. We were in Columbia earlier this year for a wedding. Yeah. Yeah, her cousin was getting married. You have, there's your cope for doing. All these things are insane. All right.

Capital Venture. Yes. total fees $109 we've been late plenty of times this year so far on this yeah that's great I was we're over the limit by $879 I was trying to enlist the help of

a credit consolidation agency and see what would you do that? Yeah it was kind of dumb I agree why would you do that was dumb I was like I said I was looking for options to save money on interest trying to see where I can pull

money from or what were my options as far as like what I can qualify fight to borrow money. Why not make your payments? So that's what was sketchy about. We're the Hartford with decades of experience insuring millions of unique small businesses. When it comes to your small business insurance. Thank you. One size, absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. They wanted it to go to collections and they would negotiate collections. Exactly. Yeah.

I don't like it. I didn't like it either. And that's so that's why I stopped and pulled out the depending on what situation you're in. You're just not in that situation. I don't think so. You're four credit cards. Yeah, exactly. Yeah. So that's why I stopped doing that.

I pulled out the money that I was saving in their account and immediately put that to those cards. But it wasn't much. It was only $1,700. Did that for a... I'll put the normal monthly payment at about $125 because obviously you have to catch up with the $1,256. Oh, yeah. It's fucking crazy. $40 to late fees.

So you've had, okay. Now, three late fees is here so far. probably just about. It's insane. Just on that card alone. And you're right. I mean, I don't see any spending on this because you were traveling your dick off, but it's well above the credit limit now.

So I wouldn't be able to see any spending on this. Haven't used it in a while. You can't. I can't. Yeah, haven't been able to. You can't. Not that I. This is what we got.

Once they got together, they're just endlessly traveling at least a dozen cities in a few countries constantly. Going to Puerto Rico's aunt's wedding costs two, thousand dollars. Dominican Republic for a week to see family $2,000 went to California for a week, $2,000 went a cruise from Barcelona to Italy and what is it, Abiza?

Abiza, yeah. Biza, $6,000. Oh yeah, she did that too. Chicago, 34-day trip across northern Africa and Europe, Croatia, Rome, Florence, Milan, Barcelona, Morocco, Portugal, London, Paris, $8,500. Went to the Eiffel Tower, went to

the proposal, spending all their money in the world. The inner dream destination back to Morocco. Oh my goodness. And then we're going to go on a nice little honeymoon. I want you to travel. I want you to do all these things. I want you to do these things.

Don't think I'm evil saying I'm not wanting you to do it. I want you to do it in a financially healthy place so you don't your entire life. Yeah. It's in a pretty bad situation right now. And that's a big part of the reason. I mean, your credit scores 513. It's pretty bad. It's the lowest of everything.

Pretty bad. That's insane. That's one of the, that's like, on the bad, bad, bad scale. And it really dropped that low within the last year or two. You brought them maxed out, dick? Okay. Yes, because you're over maxed out.

Yeah. I'll let you use the Fizz card. It's a debit card that builds credit. I'll see if they actually even let you have it. I'm sure they will, but what the fuck. I'll also get, um, if you ever have to switch careers when you move somewhere, I'll get you a course career certification. A lot of people in our audience and our guests have done it,

and they've boosted their resumes and their income a lot. So what is it? those. It's a certification in whatever field you want. A lot of them focus on trades or tech for course careers, but it's free for you because you're a guest on the show. Thanks to them. All right. Well, I have a few certifications, but it'd be great to get more. Yeah. Discover it. Tell me. What's going on. So the Discover card. What was I using this? I mean, I will say one thing. I had a bit of a failing business. So I was...

Tell me. Tell me all about it. So I was... Because this will be very important to know as you're talking about scaling this new business. Yeah, yeah. So I started reselling sneakers back right before COVID. And I was getting some profit there. Oh, yeah.

Yeah. And of course, I was also just kind of buying some sneakers from my own collection. Oh. Like the ones I'm wearing today. Oh, good. Uh, yeah, uh, you look like that's, no, they f*** don't. You just don't have tastes. You drive a Tesla.

Anyway, um, does that even mean? Uh, it means that you're a normie. It's a car you could never afford. I wouldn't want that car. But you could never afford it. I'm sure I could eventually afford it. Not today. Not tomorrow.

Not the track you're going on, big guy. All right, man. I'm 26. I got a whole lot of life ahead. It's worth your debt times four. I got a whole lot of life ahead of me. And, uh, a lot of abilities to learn and adapt and skills that I'm already carrying with me.

Learning like you did going to Morocco? Yeah, man, I picked up a little bit of Arabic. Great. Now you can do customer service. I don't know. Like, what do you want? What are I supposed to do? No, but anyway, more so I was reselling sneakers.

I decided I also wanted to start a clothing brand like every Gen Z person decides to do. So I, you know, I took my graphic design. skills, build it up a little bit more, and, you know, invested in some inventory and a website and pop-ups. So it was in New York City. So I was popping up in various parts of the city, selling clothes and sneakers. Definitely not a competitive clothes market at all, New York. Yeah, no, I mean, people buy, but people also sell.

So, yeah. Did you, what was the failing business? You brought up this car failing business? You went into debt for the business? I wanted a debt for the business. There it is. So you never made an actual money net? No, no.

Or at least... How long were you trying to do this? Just like he's trying to do his current thing. That wasn't long, maybe six to eight months. How much that did you go into for six to eight months of this? I mean, just that was at least $2,000. Oh, dude. Why did you go into debt for it instead of try to close, instead of cash flow it?

That's like a question. It was a matter of me investing into... a product I had to have made overseas because it was actually cheaper to do that rather than having it made in New York for obvious reasons. I was mainly making products that were just made to order. So I didn't have to invest into any inventory. I was doing that for a while. And I got a couple sales, but I didn't like what I was making.

Have you ever taken an entrepreneur class? I actually did study some entrepreneurship when I was in college. I knew he took one of the bowl. Oh, in college. Yeah, in college. No, no, I didn't buy a course. entrepreneurship. Okay, because most of them bullshit. We have educational products, but at least they're

top rating in the industry. I don't trust buying courses. There are some good ones out there. It's just like 95% suck. Yeah, no, a lot of them suck. So I just kind of avoid them and kind of mostly is opt for, you know, YouTube University and try to keep up with. Still lots of shit to sort through. Oh, of course. Yeah, definitely still a lot.

But. Do you still buy sneakers and do all the shit? I haven't, no. I haven't done that in a while. Okay, Colton's telling me. He's still by sneakers. I mean, the last pair of sneakers I bought was over a year ago. Okay. I, yeah, I spent 400 bucks on them. There were Jordans for me and her.

Matching pairs. But, yeah, that was over a year ago. How romantic. Okay. $5,863. Yeah, and 60 cents on the discovery card. $96 dollars of interest accruing and $55. $0.18. $20.

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But guess what? Oh, we purchase. Oh, baby. We purchase $80 and $4 a purchase. Why the fuck are we purchasing on a card when we have other cards max out? And it takes your entire lifetime so far, essentially, to pay it off. I mean, I definitely avoid using that card whenever I can. Which is why he spent $80 on it.

Uh-huh. Yeah, I mean, I must have any... Let's your avoid because the other one was incapable to spend on because you pushed it well, on max so you had to spend it on this. No. Is that what avoiding is? It's that I use my debit card to pay for things now because I can't use my credit cards. And if I run out of money and I need things like gas for my car.

Payroll is $3,404 that came in last month. How much did you spend? And this includes some interest going up because that adds to the credit card balances. But how much went out? We know inflow. How much was outflow? In August, I spent over $2,200. and July I spent over

Okay, full outflow in the month that we're looking at was $4,436. That had to have been in June or July. Dude, whatever month we're looking at, big guy. This credit card statement is showing July through August. It's half July, half August. Okay, yeah, yeah, okay. Yeah, okay.

It was in June. Okay, yeah, July, July, yeah, I spend some money in July. July and August. July and August. Spend some money. What was I spent some money? I spent some money. On what?

Delane the thing you want to do in five months or six months from then. What did I spend money on in that time? What did you spend money on in that time? I mean... Let's find out. You got some gas. You got some parking. You got some parking.

And then you spent $31.80 cents at Graphicassana. What? Graphicasana. Graphics. Graphics. It's travel entertainment. business of some kind. Graphic Asana.

$31.80. I'd be honest. I don't remember what that is. You have four purchases on this card. Gas. Two parking and then this. You don't know what this is after four purchases. I can't.

$31.80. How much? $30. $0.81 cents. $31. $0.81 cents. What day? The third of last month.

The third of last month. $30. $3. $3.80. Oh, yeah. I had to. been something guys by the way we've had approximately four late

fees on this card this year so far this is still the venture card discover it discover it I've had that many late fees on that car oh you sure have big guy oh you sure have yeah I did not expect that for that card I knew for the venture well sure and the other capital one card but not that one oh good there's more coming wonderful

um sure did I can't recall exactly what that was I know that in August and really just in general, we've been driving a lot back and forth to Tampa because that's where my parents live. And when we do that, we spend a lot of money on gas.

We might buy a gift. So I can't recall exactly what that was, but it could have had something to do with that. What is necessary are you? Because I thought you made a, I thought you said you were like Arabic earlier, but then you said you're in Spanish. No, I'm not.

No, people mistake me for being Arabic. I'm expanding. My parents are Dominican. Oh, okay. 20% interested in this thing, buddy. Almost $700 and interest this year so far on this card alone. It's pretty bad. What was it on the last card?

On the last card, it was this year alone. A thousand two hundred. So now we're up to $2,000 this year so far on interest. This year so far. This is why I was looking into options to save money on interest. But it's not about that because you would have it if you consolidated. If you consolidated it, big guy, not that. the death for like forgetting this. If you did a consolidation loan, given access to more money to

spend on these cards without changing your behavior first, you would have racked it up again. Well, that's why I'm trying to change my behavior now. I know. I'm just saying I'm glad you didn't because you would have fifted it. Yeah, I'm trying not to be it. Now we'll see. I mean, a week before coming on the show doesn't really count to me. But yes. Yes. Okay. Well, with your fiance even, she's the one with money. What's your guys's relationship with money with each other? We already know what you like that hitting thing. But beyond that, what is this relationship looking like financially um i mean i'm not sure how to explain it aside from i've i've really been the one that would do a lot more spending between like wanting to take her out but also spending

money on myself um where she's been a whole lot better about budgeting saving um okay how's that going to link up when it comes to marriage. If you want to land a high paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in-demand jobs ranging from technology sales to

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I need to... What habits? What has you gotten pissed about? The other thing was that when I got my current job, it's pretty far from where we live in Miami, so I needed to get a car. And the dealership was offering me a pretty good deal on a car. The dealership you worked for? Yeah.

You got a good deal? Oh, fuck. You got sold by the sales. Yeah, based on what I was looking at, they were giving me a trade in car at cost. You damn marketed yourself. All right. Keep going. Tell me about it.

It was still a bad idea because I was giving myself a car payment. I was desperate. I wanted to get a car. I had been taking the bus for a month at that point, taking Uber's. Then you can do another month and save up. Come on walkable city guy. You're supposed to love public transportation. I got impatient.

Yeah, but the public transit in Miami is bullshit. Yeah, but they got things that other cities don't have still. Sure. I was getting fed up with it. I was already looking into options for buying a car, and this seemed like a better option. So my parents and her helped me put together the down payment on the car. What does that mean?

It means that I didn't have enough money to put the down payment on the car myself. They came together? and pulled money together for you? They pulled money for me to get the down payment on the car. We put $3,000 down on the car. And I was handling the payments, the insurance, the gas in the car. I was paying it for a couple months, but it was a lot of money. Like the car payment was about $350.

Insurance was like another over $200. The car wasn't great on gas. It was an SUV. So I was paying well over like $700 a month on this car. bullshit and um and she i mean she she didn't like the idea of getting that car in the first place um did you i i she's the one that at least knows what she's doing yeah i i wanted to get a car i was convincing her that i didn't look like there were many other cars at this quality like at this quality why the fuck you care about quality dude you're just trying to get no i'm talking about like

the mileage on it there's going to be like a reliable car that it wasn't going to call how much was it uh what the miles or how much was the car? The car was 12,500. It's not the worst. Why was she so vitaminly against it? Because that's about where I would have advocated for. I would have tried to get closer to about 10.

Yeah. It wasn't an outrageous amount of money for a car. Well, there was the fact that you should have. It was more than what I could afford. It was more than you could afford, which is why you should have been doing public transportation for another month, saved up some money. Maybe another two months saves up some money and put a chunky down payment down on it,

about 20%. But the problem, too, is that I still had a car payment and the insurance was high on it because it because it was a luxury. car. I didn't necessarily want to buy a luxury car, but it was more expensive to buy a Japanese car. A bit. I mean, it wasn't like one of the worst fights, but it was difficult to, yeah, come to a compromise about it.

And even after buying the car, she was happy that we got it, but she was still unhappy about the financial situation behind it, that I wasn't able to pay for it. up front. I wasn't able to pay. Is she not embarrassed on behalf of like, well, I guess herself to her parents? Her parents. Come on. You're going to be their son-in-law. Yeah. Look what they had to do. Well, it wasn't her parents. It was my parents to help to help pay. But they've stepped in, right? They haven't, they haven't, not with money. They have helped us in the sense that when we first moved to Miami, we were living with them for a few months before we'd found our place. So we, so yeah, the four of us were living in their apartment. to your parents

that they had to work with their future step I'm embarrassed about that I didn't want I initially didn't want to move into them but move in with them but we decided

we were gonna live with them for a few months save up money and get our own place and we were able to do that that was a win yeah it's a win yeah

were you guys in a position where you should have yet because it's okay to be home for a second where you're getting yourself on your feet it's better to set yourself up for success

as long as you're not being enabled. I'm only against what people are enabled. Sure. I mean, we haven't fell back on rent at any point. We've been able to handle the housing situation just fine as far as bills and utilities. I actually do cover some of that. We split rent in half and I typically will pay for internet and... How big is your apartment? And electric. We share a decent size studio apartment. It's about 700 square feet. Yeah. Yeah. So the studio apartment, we pay 1800 a month Um it's a good

And if you just got engaged her by the way That probably means you got a ring Uh I did get a ring um It's it's a funny situation with the ring So the first hilarious I got I got her a ring Um For the engagement

And it was what I could afford at the time It was like just $300 maybe $350 It wasn't like a crazy ring I got her something different that she would appreciate She got her like a gold band And I wanted to get her an emerald because she's He's Colombian, and that's where Emeralds are from.

Okay. And she wanted something different. But I knew I eventually wanted to upgrade her ring. It's like an iPhone, okay. I should tell her that. How much is that going to cost? What, the new ring?

Yeah. The new ring is valued close to 8,000. Oh, fucking shit on me, dude. No, but look, it's not it's in the family already. It belongs to the grandmother. Her grandmother has the ring.

She's had it for a long time. Is she alive? She's alive. Are we waiting for her to not be? No, we're going to give her money in parts. Is it her wedding ring? No, her grandmother is not married anymore. And this is not her wedding.

No, no, I don't think so. So she has told me, I think. Huh? No. So she's down for this. She's down for this. How much are you going to pay? I'm sorry that's just charging you but so I mean she she doesn't want to pay me the full price

she wants some money up front because she's also going on a trip um to happen or how uh no she she's she's doing great man I'm kidding uh shit um no I want to pay her $800 up front by the end of this month um and how are you vetting that into us where you spend more than you make that doesn't make any sense but you're behind on two credit card payments, one that we're about to talk about. Well, in the last... How do you do that? In the last month, I spent less than what I need.

I have until mid last month. These statements go through mid last month, Dick. Well, Dick, I've been doing my own budgeting, too, and I have... I don't trust your budget and you're not a reliable source. Look at the financial situation you got yourself, and that means nothing. Okay. All right. Sure.

Yeah. We literally have your documents and we put it into a spreadsheet and we got all the numbers. Spent hours on it. I don't care what your budgeting is done. Okay. All right. Who knows what you've linked and not linked? Okay, capital one.

So we got to get $800 by this month. How much do you owe after that? Because you said down. Yeah. So after that, I mean, she didn't give me an exact number. I think she was talking about somewhere around 3,000.

Yeah, aye, aye. After or with the eight? No, with, total. Yeah, yeah. Yeah. It was probably less. She wanted to, she was like really pushing that.

Like this is a gift. She wants some money for it because it's so valuable. She's ever for a long time. And I want to respect that. And, yeah, give her some money for it if it means like paying her a little bit of money month to month, helping her live the way she wants to. Okay. All right. Capital one.

$5,817. $79. Shocker. Completely behind. Yeah. So that that one. And over the limit by $870.79. That one we use in the process.

moving. When? When did you move? From New York to Miami. Yeah. When was the... Yes, I asked where when I said when. This was just over a year ago. Okay. So why the f is it behind just over a year later? Because it was already pretty high and I... Oh, why is it behind? Why aren't you making your minimums? Your minimums are probably 125. I was behind because like I said, the whole credit consolidation thing. They were trying to work with Capital One for both of those colors. But you didn't do that with the Discover. No, I was still paying the Discover.

So, okay. I was late a couple of times, but I was still paying this. Ode right now is the 1,24. It's probably a normal 125 minimum fee payment. That's what we'll calculate into the budget, but we've got to catch up, obviously, and that's more important. Your grandma's going to have the ring, so you don't have to do that this month. Because you already proposed and everything.

21 years to pay the soft minimumcy payments only without any purchases. Good luck with that, not any purchases thing. This is at a 30% interest rate of death. We're talking about four missed payments this year so far, four late payments. In fact, these miss payments, that's probably what's, you've had missed, missed, miss payments. And that's what's hitting your credit. That was part of the whole credit consolidation situation. All your credits.

Food. And then about $1,000 in interest this year so far. So what are we at? 3,000? No, no. Yeah, 3,000 this year so far, an interest gone? It's an entire month's income for you. You've lost a month's income just on these three credit cards alone this year.

Yeah. And you want to move to another country? You want to make a living off $100 a month in affiliate marketing? Okay. Trying to make way more than that an affiliate marketing. I know you want to. Want to isn't actually what happens though. And I'm just talking real world because it would be a disservice to be like,

yes, I hope you do too. Go ahead. It's like I'm realistic about your numbers. Yeah. No, yeah, for sure. I hope you do well. I hope you blow up. Car market's not like the biggest market in the world.

Some of the top creators have like a million followers. Sure. So it's like it's not like it's still, you can do well there, but it's not very saturated already. The car, the car, you would have to bring. something that really shakes it up. Because I talk about this story here and there. This is not to jerk myself off. I want to be very clear.

I'm just, I'm applying my situation to you. The thing is, no big finance creators were just all of a sudden blowing up and starting new things. Because the finance industry was pretty set. Dave Ramsey doing some phone calls, Graham, Steph and Andrejig, you know, other people like that talking to the camera. I'm sure you did.

That was the industry. People weren't breaking in. No. We had, you know, had, this entire thing that came in and it was very different and it put a little in the industry. And, you know, we were able to be one of the first channels to really break into the industry in a long time. It's the same thing with cars.

The car market industry is very saturated, very solidified. You will need something completely different that has not been done before to really break in unless people just really ultra vibe with you and the algorithm just blesses you. But that is a rarity. For sure. I didn't see anything on there that's like blowing my mind. Wow, wow, this hasn't been done before. No, I mean, it's niche in the sense that it's the classic car market that's a bit more niche than just cars. Which is getting your even smaller market base.

That is. Yeah. Okay. Yes. That's not an insult. That's a reality. No, yeah. It is a small market.

It is niche. But it, I don't know, there's still a pretty big community. There are a lot of other creators that are specifically more so and classic cars that have only been. doing it so long. So I still don't understand your plan to break out. Right now I've been focusing on what's available in South Florida. There's a whole niche community on that. But if you're moving, then how are we getting it?

So how's this South Florida one going to make sense when you're in Mexico? That part doesn't make sense. But what doesn't make sense that I ultimately want to do is find home, second home. for these classic cars. Give them second life, you know, cars that have been on the road for 50, 40, 30 years.

So that's the business, not the influencing, not brand deals. But that's part of it because you have to drive traffic for any business, right? So, building that's different

than influencer. That's marketing. That's not being an influencer. That's marketing. Sure. I'm sure you can mix both. But what you're talking about is strictly marketing

for a business you're trying to have. Also, if you're building these businesses, if this is the business, it's about building up a local group, connections, whatnot, but it sounds like you're going to be everywhere. It sounds like you don't even know where you want to go. I mean, I feel like this is something that I can take almost anywhere, one with my skills of being able to market it with my skills in just videography, photography, what have you, especially in the automotive space.

And also with that there are old cars all over the planet, whether they're in Mexico City or in Barcelona. But there's not connections being built up too. Yeah, I mean, but there's already online marketing. where people sell these so I can find owners in different parts of the world anyway. That's the whole point is if I can find owners. I want to find a way for you to break out in your niche. I feel like there's not a strategy here.

Oh, I have old cars. Okay, good. What's the breakout strategy in the niche? Again, I give you my example. I think people who are already wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy. or the price hold you back.

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limited time offer. Do you have money to even do that? Well, no, because I'm not the one who's buying. I'd be a part of selling, right, because I would be meeting with the people who already own these cars. So when you have to market. Using my platform in order to find buyers. So you have to market to the people that want to sell their car first.

And then you have to market it to the people that want to buy the car of the person you marketed to sell the car. So they have to the market to two different groups. That's where the necessity of influence is. Okay. And that's also where it's different because I think. But you're in a localized group, right? So right now. Yeah.

Right now. Yeah. Right now I'm in a localized group. Yes. Okay. Yeah. And what's the metrics of the 2,500 people? Are they all in Miami? You know?

That's the funny thing is that not all of them are. A lot of them are in Europe and Latin America. Europe and Latin America are red. Hmm? What's the percentage in Miami? The percentage? I can't give you an exact percentage. Dude.

But that'll be some data I'd have to look at. You don't have this. I thought you said you were into your data. You know your data. You know your numbers. You know your people. You know your growth rate. But if it's all about making money in the local area, this doesn't make sense.

So far, I've been just focused on developing the community, you know, building a following, finding people who are passionate about this, both locally and online. That's what I've been focused on is how do I build this community? How do I engage with them further? Because this is my most recent attempt. I would argue my first attempt at really being any type of influencer. Sure, I did YouTube when I was in high school college. Yeah. Well, college.

College just happened for you. Okay. So we have a freedom card. Yeah. $2,716. And $31. Minimuthy payment $91. You're purchasing $179.

Why are you purchasing on a car that you're not paying off that it's accruing interest? Let's see. $64. $39. Of interest accrued. I've been, there's been the card that I've been reaching for in the events that I don't have money in my being in- my bank.

Do you not have money in your checking account? We saw your bullshit spending it. It was hundreds of dollars. There's been some spending on bullshit. And sometimes I have, there are needs. Like, I've had to pay for maintenance on my current car. But it's basically max out. It takes 11 years to pay off if you don't even purchase and you make your minimums only.

And we know you like to purchase. I've been spending here. This is Chick-fil-A. Yeah. Cafe. Cafe. I said that it was a bad habit. Ginky.

McDonald's Cafe. Chick-fil-A. See? C-S-C-S-W, cafe. C-S-C-S-W. Okay, laundry is okay. The C-F-C-C-S-W? Yeah, yeah.

You don't have a laundry machine? No, well, it's in my building, so it's... Okay, that's okay. Yeah. Going in to getting some bullshit. B-2 Cafe, special treats. Going in and getting some bullshit. I've had the habit, bad habit of getting some bullshit and eating out.

Yeah, no shit you have a bad habit, but your goal is to move. And I've been cutting back on that. Yeah, of course. You don't even... You don't even... go. This makes no sense, dude. I mean, bird, how much foods? Rides, guys, Las Vegas?

I got $20. I had gotten the money back on that. That was like a course I was considering. I was like, ah, no, fuck that. And I got, I got the money back on that. Cafe. Yeah. Yeah. Some of those things also at the conference market. You've had a late fee this year.

You've had a late fee this year. On that card? I mean, I've had a late fees on a few of my cards. By the way, wasn't this the bad habit that the fiancee was upset about? And you're like, oh, oh, I'm not going to do that much anymore. Or at least I'm going to communicate at home. So she knows about every single one of those purchases. She knows about those.

That was the last month. She knows about that. $500 in interest. So where are we at? Like, we're at like $3,500 of interest this year so far. So a single more than a whole month of your work, all the work you did last month. Yeah. Every single hour you put in, all the hours you didn't want to wake up.

All the hours you were tired of work. All those hours. Gone. It was just the pay. interest on things you've already purchased. This is why. This is why I was looking for, you know, ways to save money on the interest and then I ended up in the whole, you know, credit consolidation.

Bullshit. Yeah. Yeah. It's a situation that, uh, I, I need to handle between budgeting and, uh, and maybe giving ourselves more time where possible for this goal. Yeah. Or goals But yeah

That car I had been reaching for that one Especially because I had to You know Invest in maintenance for the current car After selling the old one What old one did you sell? I sold the car that she was

The one that she didn't like? That she didn't like I sold it What is your current car I drive a 2001 Camry I bought it used on Marketplace For like $3,000 after Oh yeah I mean we're getting worth like

2160 20 21, 26. What made you sell the other car? Well, for one, it ended up just being too much between payments and insurance because it was a luxury car, it was an SUV, so wasn't great on gas. What was the purchase price on that car? What did you even get it for? It was 12,000, $12,500.

That's not that bad. It's usually what I would advocate for for like a used car. It wasn't insanely high, but after how much money I had to put towards the debt and- What that? This debt, the rest of the debt? This debt. Yeah. because it didn't get like this overnight.

It was already pretty bad before I even got that car. Okay. Yeah. So, so, so I mean, I was paying like $350 on the payment, over 200 insurance,

after gas and everything, like, I'm talking about like $700 a month. So that and she, yeah, she, even though it was a nice car and it wasn't the worst deal on a new car, um,

she, felt like this wasn't the right time to be investing into a car like this. It's not investing into a car. I mean a huge car. Like how much you're going to have to put into this car to keep it going is the thing? Because like I'm like, yeah, like eight to ten thousand hour car approved by multiple mechanics. It gets you to the place where you can drive it for a few years while you're getting out of

the rest of your dad. I'm not saying get a 20,000 hour car. But I also don't want you to get a three thousand hour car clocker that you, in order to just get to your job requires you to put in two, three, four, five thousand dollars endlessly when you don't have it. No, no, no, no. Do you know how long? long have you had this car.

I've had it. Let's see. I got it in April. Okay. So it's been about four months. Not long, not long. But I did get it inspected. $95 in the savings account.

Oh, or this checking account. But they're saying you use this as your saving account. I mainly use that account to pay the credit cards and I'll put money aside in there. It's gone up from $43 to $95. Yeah. Picks Oshol Singapore card? I don't know what that is. Singapore or what?

I don't know. It looks like maybe a transaction fee. Okay, and then this checking account. This looks like the spending checking account. $69.46. Yeah. Went and got some bullshit. I mean, Bird, Spring Hill, rural king.

I think those are just a farmer's market. Good door. What do you go? Firmars markets more expensive than you can afford. We do, we go, we do our grocery shopping. That's the farmers. Yeah, but, dude, support your future goal. Yeah, I mean, you can support everything you want,

but you kind of have to focus when you have a limited income source on what you want to support. I want to pay off that. I want to get to fully furniture. I want you to get to where you want to move to. You can do that or you can go and spend more on everything you want to do. And if you choose that, that's fine. I'll support that as well. But choose what you want to do.

You can't do it all. No. You can't do it all. Mathematically. Farmers market, farm's market. Going and gets a bullshit. Hulu, Spotify.

Peacock. Oh, and he overdrafted to get Peacock. No, no, no, no, no, no, no. Yes. No, that happened at the same time as my insurance payment because my insurance on my car went up. Insurance made it overdraft? I got the overdraft fee back, by the way. Insurance made it overdraft and then Peacock made a second overdraft.

I got both of those back. Great, which yes, you can do when you put in the right money, but it's indicative of your behavior and spending. Why should we be having Peacock when we can't pay our debt when we're in the edge of being? I've gotten back and forth with canceling subscriptions. But you have it right now, dude, and it's what made you overdraft. Apple Bill McDonald's is quick. Weirdos?

Going into bullshit. Who gives a crap? That's, that's TP. Hold of paper. A hundred dollars a toilet paper. It lasts for a while. Better? Yeah.

Because T.P. Fund is like $100 person. Okay. Which is anything else you need to survive outside of food and all the rest of the stuff we do. Cafe. Spicy. Nice pepper. Proofful place. That's still farmer's market.

Yeah. Yeah. It's still. It's like a buy weekly thing. Dude, this is so stupid. Julians. Julian's. booby, booby, I don't know.

Going to get into bullshit. Selling up money, Miami, old school, AMC. Adobe for our 12, 12, what is it? 250,000. Well, I also use Adobe for my day job, which I've been trying to get them to pay for. Well, then they should pay for. They shouldn't do it. I agree.

Okay, that's, that's, laundry, that's fine. Cafe out of the closet. That's a thrift store, believe it or not. Yeah, they're money those days. They're money. Art Smoke, Team Water, and again, I'm good with Chal. charity, but it doesn't make sense to give it to

because you could give so much more to charity over the lifetime of your life. If you actually buckle down, get out, to have a fully funded emergency fund, and then you can mathematically give more to charity than just a little bit here and there while you're trying to survive. I agree. That's great. Good cause, but like you can get so much more longer. Okay, sure. AMC, Chick-fil-A, Google

1, Wendy's, and Cafe. Also, no, yes, you may have gotten that, 68 back, but you've paid an initial 68 this year so far on overdrafts. Okay, Robin Hood 67, so I guess that's a retirement. I just recently started that. Yeah.

Okay. This is silly. I don't really get it. Let's make a budget. Please. All right, we got you with $3,300 for your income. Yep. Debt payments for $59.

Okay. What's your mortgage? Your portion of your rent, sorry. $900 is what I pay. $900. $900. Utilities, everything combined your portion, internet as well. About $100, yeah, between internet and electric.

Gas, vroom, vroom, drive, drive. I'll say about $150. Okay. Car insurance? Just lower that at 64. 64, okay. Food, you can do $300 to the pile. T.P. Fund 75 to the pile.

Subscriptions I'll give you $40. When I can give you some fun money, I'll give you like $100. With $190.90 of fund money, I can still have you at $1,000 left over, which do the math, pays it off in 22 months. That'd be great. 22 months. So we're talking two and a half years, your debt's gone and you're in a fully funded emergency fund situation. Do that and then move. But we're not moving yet.

We're not traveling yet. I mean, this is where we're at, buddy. You just have to choose what you want. Yeah, I mean, we want to move hopefully sooner or rather than later. but, you know, the money may not be there in five months. We're going to call your girlfriend in the post show and you are going to tell her no more travel. I heard she might be pretty upset about that because she refuses to give up travel. But you're going to tell her that.

Yeah. Well, we'll call her. Let's get her Hammer Financial score. But before that, again, join Hammer. I'll leak. Click that join button or link in the description below. And with that, three premium shows posted every day Monday through Friday, including the post show for this episode. Spending her budget.

Well, you ever spent. So you're on a 10. Debt. No collections, but it's not the worst. Oh, but you're behind on debt. So one out of a 10. That was going to be like a two or three, but no. Emergency fund, nothing, zero to ten.

Retirement. That's, I'm not going to consider that. Zero or ten. Barely started. Real estate. No, zero to one. Wow. Okay.

Well, barely rounded up. Point five out of ten. Guys, I'm going to call the girlfriend. He's going to tell her no traveling, put his foot down. I'll see in the post show, join Hammer Elite below. We just need to at least cut back. Like, we can't travel, like the way we have. What about the memories? What about the memories?

That's not showing up in reality. It sounds really, really selfish that you can travel your way to McDonald's and Chick-fil-A and stuff, but then you're saying no to getting on a flight. Like, it's not adding up. Dylan told us that you guys were considering moving internationally in five months. Oh my God, did he really say that? Glusive members' content. Click the link in the description or pin comment below and watch thousands of hours of excellent. and uncensored content.

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