Financial Audit - Financial Audit's Biggest Nutcase

Starting point is 00:00:00 To watch episodes of financial audit a week earlier, check us out on YouTube. I would definitely say I'm a crazy extremist. Is this like the polar opposite of Joe Rogan happening right now? Yeah, basically. It's 2025. What are you talking about? It's still here, bud. It's still here.

Starting point is 00:00:13 Buddy, I'm not falling down your conspiracy holes. If you find the truth to be conspiracy, there are other problems. This is debt. My producers have been telling me for about a week now that they've never seen anything like it. Download my new simpler budget app today and take control of your money once and for all. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign up for simpler budget premium annual. Hi, my name's Rex. I'm 34. I'm from Lansing, Michigan, and this is Financial Audit. Welcome down to Texas. Another Michigander. I'm from Kalamazoo. Thanks.

Starting point is 00:00:55 For coming down, I appreciate it. That's a big trip. What do you do for a living up there in Lansing? Currently, I am door dashing and I run a small farm. Okay, let's talk about the door dashing first. How many hours a week are we putting into that where we make money? It's not the pandemic anymore, so it is very different. People made a lot of money here in it.

Starting point is 00:01:13 And I'm in a small town. So currently it's outside of Lansing. Okay. But, yeah, Lansing mostly. Okay. So how many hours a week are you working on this? So I've just started back in the last couple weeks after ending another job. Oh, okay.

Starting point is 00:01:33 What were you doing a couple of weeks ago? I was working at Applebee's as a line cook. Yeah. So microwave. Yeah, microwave and friar and, yeah, that's. Why'd you stop? I only worked there a few days and it was just not a good fit. I had been trying to get some other jobs and nothing was hiring.

Starting point is 00:01:54 So, nothing was hiring. Okay. Interesting. Well, I put in applications to do like all sorts of stuff. Like technicians,

Starting point is 00:02:04 did you have job interviews? I didn't even get callbacks on most of them. How was your resume? My resume could definitely, it mostly just says my company that I own. Definitely what? That's all it says is I'm an owner of a company.

Starting point is 00:02:17 Okay. I was a stay-at-home dad before the divorce. You have a kid. Divorce. Okay. Yes. Cans of worms. flying all over there.

Starting point is 00:02:24 Sorry. No, it's okay. Applebee's. Hold your kid. Oh, no, your kid. Okay, okay. My child is... Is there only one?

Starting point is 00:02:33 Only one. Okay. They are 12 years old. And they prefer non-binary terms. Oh, okay. 12-year-old, a 12-year-old. Yes. Yeah.

Starting point is 00:02:43 Okay, cool. They are amazing. They are everything I care about. And I've been taking care of them since they were a baby. Their mom was working full-time. And it gave me the freedoms to take care of them, like take care of my, my child and take care of everything they needed as they've grown. Wait, this kid at 12 has asked you to do non-binary?

Starting point is 00:03:07 Yeah, their mother, their parent is also non-binary. Oh, okay. Yeah, I'm not super familiar at the world. So I was just kind of, I just realized like 12. Oh, my, that's young. Yeah, they just prefer neutral terms. Okay, cool. Sure.

Starting point is 00:03:22 Why not? Okay, so divorce, when you have a divorce? Divorce, we separated in May, 23, and the divorce was finalized fall of 2024. Okay, so neither really that long ago. My goodness, okay. I mean, I'm constructing an image in my head, and I really don't want to be judgmental out of the gate. I really don't. Just go for it.

Starting point is 00:03:46 No, no, no. I'm trying not to because I'm seeing divorce dad, mid-30s. doesn't try to start being a line cook atapubes, but that was too much. Yep. So he runs away. Okay. So I'm just,

Starting point is 00:04:05 I'm just, DoorDash is comfortable. Are you making what you need? I am getting there. I just started, so I'm getting used to. Yes, I'm getting there. So you're not there. I am not there.

Starting point is 00:04:16 So you're not making what you need? I am not. What do you make it in DoorDash? Currently on DoorDash, it's about $3.50 a week. and like 25 hours. Is that before or after gas maintenance? That's pre all of those. How much goes a gas on a monthly basis?

Starting point is 00:04:32 On a monthly basis? A weekly basis, let's say. Okay. So about $60. So $384 minus $60, probably minus another minimum $20 for maintenance, you know, for insurance. Well, yeah, yeah, yeah. I mean, we'll put that into your budget.

Starting point is 00:04:52 everything, but I'm just trying to see, like, what is your income? Okay, so we'll do 384, we'll minus like 20 for maintenance. So we'll say 364 times that by 4,000, 456 on a monthly basis from DoorDash. Yes, that would be a good average for what I'm currently at. Uber survivable. Okay, so that's not a ton. I tried a bunch of jobs over the last year. Well, I was going to say the 1456 isn't like the most livable pre-execisable.

Starting point is 00:05:24 expenses. So why did Applebee's not work out? I want to hear a little bit more about that. Okay. So Applebee's, I had started. I hired in and I have a lot of previous restaurant experience at front of house. So serving, bartending, server managing. And that's stuff I'm very comfortable with. I get into the kitchen. First day, this guy has a meltdown over the fish. Meltdown? An absolute meltdown. Over the microwave fish? Well, the frozen fish not being stocked.

Starting point is 00:05:56 So I was just taking a bag. What, is that fish man? I don't like working with like extremely toxic people. And he was definitely rubbing me the wrong way. Oh, but he didn't do anything to you. No, no, nothing to me. I was just standing there trying to, well. I was like, why would impact you?

Starting point is 00:06:14 I guess, okay, so you just saw someone blowing up, freaking out. And I was like, is this a common thing? And then the manager was like, yeah, I tried to warn you. He was a hot head. And I was like, that's, other steps could have been taken. Like the management could have. Kitchen always has interesting personalities, especially in a place like Applebee's. Yeah, absolutely.

Starting point is 00:06:29 But also offense to Applebee's. They have some very good food. But yeah, they're, I love their brup pretzels. They're delicious. I guess I shouldn't judge. I haven't been in like 15 years. Oh, that's valid. Okay.

Starting point is 00:06:43 So someone got angry once and you quit? It was that. And the, so the next day I talked to the manager. I had a morning shift scheduled. So I went in and I was like, hey, can I chat with you for a minute? Like, this isn't setting well with me. Is this something that's going to be a daily occurrence? Like, I just do not thrive well in this stressful environment.

Starting point is 00:07:05 And she was like, okay, well, what can we have you do? Like, how can I make this better for you? And I was like, well, the dishes would be cool because they switched me over to dishes on the first shift, their dishwash. What were you doing before Applebee's? Before Applebee's How were you even landing in this position? I was just looking for I was applying for anything.

Starting point is 00:07:26 You had to, yeah, before though. What was your recent job before that? It's just been caregiving for the last five years. Caregiving? Yeah. Okay, what happened? That's still my, that's my main. Did you say that at the beginning?

Starting point is 00:07:41 I thought you said you have a business. And my farm. Yeah, caregiving. What do you? And Michigan is a, So it has to be like, what, corner apples? No, it's. Oh.

Starting point is 00:07:55 Oh, I guess I did leave Michigan right when that started, the whole legalization of that. Really a farm? Yeah, yeah, I have a small 72 plant farm. Yeah, yeah, it's legal. Yeah, we're allowed to receive donations for remuneration. A. 0.01 acre? Like, what?

Starting point is 00:08:12 It's an indoor farm. Yeah, okay. It's a nine-light facility right now. What are you making off of this? So right now, we, We are just getting it started where we're having consistent. Just getting started. Yeah.

Starting point is 00:08:25 Well, is there anything that's not just getting started? No. Well, you are 34. Right. Yeah. Okay.

Starting point is 00:08:34 Your life's not just getting started. No, the life definitely isn't. But the consistent harvests are what we're finally getting to. It takes time to find the right strains and genetics to get consistent harvest to pay all your bills, to pay the workers. So you're not even paying all your bills?

Starting point is 00:08:48 All of the farm bills are paid. That comes out of the, like, donations directly. Donations? It has to be called. No, no, it's just referred to as donations because it's, you're remunerated for your services. What the fuck did you just call me? You're being compensated for your electrical water knowledge, you know. It's a donation.

Starting point is 00:09:15 Like, I'm not paying tax on those necessarily. Is that legal? Yeah, it's part of the legal framework of being a Michigan caregiver. Yes, sorry. Because I don't know. Wait, caregiver? Yes. That's what a caregiver is?

Starting point is 00:09:28 Yes. Oh, that's what you mean by caregiving? Yeah, five medical patients. Yeah. Oh, go. I thought you're in a fucking home helping people. Well, I am, but helping them smoke the stuff they need to smoke to. And a home?

Starting point is 00:09:45 You're in their home? No, no. Well, some patients. I take right to their home, you know. And we know for a fact this is 100% legal what you're doing, the way you're doing it. Yes. Okay, because it's outside of my world, I'll be honest. Yeah. Yeah, that's interesting.

Starting point is 00:10:02 Yeah. My ultimate goal would be to own a larger legal one, like, you know, a 100 or 500 plant facility. Yeah, if you're getting so many donations and everything, why aren't you living fully off of this? What are you making? What's our profit? What's our profit on this? So is it a lot of be a profit if it's donations? Yeah, because I still have to pay employees and pay for things. Sure, but I said profit.

Starting point is 00:10:23 Right. That's what I'm, I haven't gotten there quite yet. So there's been very little profit. Not the black. I wouldn't say the red for the grow. I would say the, the farm is in the, So there's a profit. So there's a profit.

Starting point is 00:10:36 What's your profit? It's about a thousand dollars a month. Okay, so you bring a thousand dollars a home. Yes, that enters my cash app or cash or however. Okay. So a thousand hours a month, obviously, that's not enough to survive on. You were doing that for five years and you started

Starting point is 00:10:52 all of a sudden you were like, I can't survive sitting with the Appleby's? What about Jared? You have the looking presence of Subway. Yeah, I thought about it. Subway would probably work well. But Subway they've had never actually applied to

Starting point is 00:11:08 their sandwich artist was not on my list. It was a Jared joke. I know. Okay. I understand. Yeah, the farm has just been, it started out. so I could just provide free to family. Sure, what about paying your bills?

Starting point is 00:11:27 They're also taking care of the kid. You have custody. What's the custody situation? 50-50. Okay, yeah, so I feel like you probably want to provide for this a child. Yes. Thank you. You're welcome.

Starting point is 00:11:39 Sorry, tongue-tied. Tongued. It's a delicate road to dance down, you know. I have tried many, many things to try and make ends meet. Sure. What about like don't leave a normal job? I didn't have a normal job to start with. Applebee's is a job.

Starting point is 00:11:59 I was. Applebee's is a job. Well, unfortunately, they would not work with my scheduling it. Because I only get my child half the time. I cannot give up all of that time to Applebee's. I don't know if you have kids, but like that is not due. I cannot give Applebee's for $16. You're right.

Starting point is 00:12:17 I don't. All of my time. All of these other parents are also able to work jobs. I don't know. how that's possible. When their bills are this high, you cannot make $16 an hour. The bills that are that high that you got into. Yes, that I put myself into.

Starting point is 00:12:30 Okay, well, that's different. Well, right. Why don't you control your bills then? Exactly. That's what I need help with. Okay. Yeah, maybe it starts with probably not giving all our time to this donation business and putting all our time into it.

Starting point is 00:12:47 Well, ultimately, nothing will make more money than the farm will, like hourly. hours a month. I don't know what the fuck you're talking about. I mean, when it's... Sure, when? The hypothetical when? No, no. April 18th is the next harvest, and it's going to be... So, I harvest three lights every 21 days. So three lights is between anywhere from six to 14 pounds of... at $1,600 a pound.

Starting point is 00:13:14 Sure, don't you owe the IRS like $25,000? I wish. I wish. So the farm has been my way forward. I've put all of my learning, all of my efforts, all of my relationship building, all of it into providing the best medicine I can for my patients. Okay. And we are almost there, and I am so excited. What's different this time? This time?

Starting point is 00:13:42 I have solid genetics. I have the room I need. I have the AC I need. I have the team I need. I hope so. You just sound like every person that comes to. comes on the show and is incredibly optimistic and then we fall up afterwards and their grand plan doesn't work. Like, I don't know. Like, I can't say no. Right. That's not going to work.

Starting point is 00:14:00 But I also can't just agree with you because look where you are. Like, I'm, I'm, uh, cognitively investing into this person's truth that is in this kind of situation. Like, I don't know. Right. Yeah. It takes, uh, you definitely have to see the process to really, um, Are you an endless entrepreneur? Basically. I have tried. What was your last? Okay.

Starting point is 00:14:28 Another recent tangent, very similar to the fish tank behind you is freshwater aquariums. You were making a business off of that? I am current. I make about 500 a month currently from net. Profits or profits? Profit, yeah. Okay. From aquarium plants and fish sales.

Starting point is 00:14:47 Which is like Facebook marketplace? Yes, exactly. And eBay. You just bleed and grow? Yes. Yep. Guppies, soared tails, Plecosthumus.

Starting point is 00:14:55 All you've been doing this. I started last year when my roommate moved in. They brought one tank over. And we now have over 17 tanks in the house. My question is with the amount of hours that you put into this $1,000 a month that you get on average after batches are grown. Well, that's after paying like all of the bills employees. Yes. After expenses.

Starting point is 00:15:14 Just like how I get my money at this business. And upgrades. You know, like, yes. Welcome to business. Yes. After expenses, that's what I'm saying. Eventually it'll start to make more money. Like next month, April. I certainly hope so.

Starting point is 00:15:28 Again, I'm relying on the information to be correct from this guy. Yes, exactly. Have you seen me roasting people's terrible credit card choices? But how about we flip the script? Introducing the Caleb Hammer credit card finder now on Agent A.I. It's like having me in your pocket, minus to sarcastic comments. It's super simple.

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Starting point is 00:17:19 As of now, not the hypothetical. Previously, yes. Now! Now, dude. Ficking now. Not previously, now. Now, just not hypothetical future. Okay? Yeah.

Starting point is 00:17:30 Now is 1,000. 500 from fish. How many hours a week are you putting into both of those? Less than 20. Less than 20. Less than 20. Okay. Including packaging and shipping and everything you have to do for both sides.

Starting point is 00:17:44 Yes. Less than 20. Yes. Okay. I mean, that's a good, relatively decent. return on wait you said a month that's what you get never mind yeah it's like 18 bucks an hour if it's so good why would you have to be door-dash and why would you be looking at apple bees why what all these things because i'm behind and i need to catch up and i've been trying everything i was

Starting point is 00:18:14 hoping apple bees would be a good fit why are you so far behind i was in uh my ex-partner made a lot more money than me and i still have all of the bills from that i live in the marital home. I'm trying to sustain. You live in the house still? Yes. With your ex? No, they moved out. Oh, they moved out.

Starting point is 00:18:34 Okay. Yeah, they moved out. So I stayed with our kid and I haven't been able to afford it and I've fallen behind. Why haven't you sold the house or? So because of the current federal tax situation, it is not currently worth enough unless we list over market value, a substantial amount. Okay. So we have this grand amount of money coming in, which means this must be a very successful job because you're a very successful entrepreneur.

Starting point is 00:19:04 Do you have any other jobs? What other jobs have you done? Other jobs I've done? I want this existence of you so that I can actually put what you're saying into reality. Yeah, exactly. Okay. So let's start. Separation happened, 2023.

Starting point is 00:19:19 I needed to start making money on my own. I started trying to be a webcam model myself. and it did not work out well. Yeah, like live webcam modeling. Yeah, you were like hole out. Double hole. No, I was just trying to sling my meat a little bit. Wow, man.

Starting point is 00:19:41 And it did not go well for me. It was less than 15 an hour. Well, who, like where, what and how? So, well, my only real customer I got on there was this woman that just wanted to see my belly button. That was... This is Euphoria Calvin Klein, the new elixir collection, featuring three perfum intense scents, inspired by a unique orchid accord, paired with vanilla, each with its own distinct

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Starting point is 00:20:36 And that was, she just wanted to see my belly. And that was, but I'd sign on and nothing would happen. Yeah, I was trying. Well, listen. Listen. Well, also from work from home, COVID has been a huge issue for us. So like I couldn't, we've been. It's 2025.

Starting point is 00:20:53 What are you talking about? What do you? It's still here, bud. It's still here right now. Yeah, but it's not like impact. the rest of us? Have you heard of long COVID? Oh, you mean that, but not in terms of...

Starting point is 00:21:03 That's from a single infection. But not in terms of like the economical impact. Like people are going out and working. People are... Well, right, but the economical impact is also... The long-term look at your life. If you are unable to live past the age of 35 because... Wait, are you afraid of getting long COVID?

Starting point is 00:21:19 I'm not... My ex-partner and daughter and child both have long COVID already. I'm not afraid of it. All of them have long COVID? You likely have long COVID also. Well, then I'm kicking its ass. A lot of people aren't. How many?

Starting point is 00:21:35 I don't know any statistical route. About 40% of people that get a single infection, and most people have had 10 plus infections by now. Do you understand the math on that? Because that's everybody. I do, but if that was the case, this entire country's economic system would be shut down. No, no. But it's not.

Starting point is 00:21:53 It takes time. You're saying that's going to happen. It will happen. this like the polar opposite of Joe Rogan happening right now? Yeah, basically, yeah. Okay, so you're like, he's like, he didn't, like, believe any of it. They don't, yeah, they didn't understand what the risk is. You believe it's like the black death.

Starting point is 00:22:12 But there are tools that we can use, like, like what I brought here today. Like this guy here, Covixel, it's antiviral. Yeah, it's an antiviral. Two shoots up your nose at a time. And it keeps you safe. How do you find these people? It'll keep you safe. If you got sick kids and you're tired of them being sick, give them convict.

Starting point is 00:22:32 So before they go to school, keep them safe. If you're going out in a crowd, use some public... How can you give that to your kid? Two squirts in their nose. How often I said? Just for gymnastics. We homeschool our child, so... Because you're afraid of them going outside?

Starting point is 00:22:44 No, because public school's a crock and homeschool is much better. But it's not the fear of getting sick. Well, we just take extra steps to say safe. It's not the fear of getting sick. It's the... But they're not in school. because of your fear of them getting sick. Correct?

Starting point is 00:23:02 Right. Okay. Initially. You wanted to homeschool. Well, initially we pulled our child out of school because COVID was getting bad in our area. Didn't school shut down? Not really. Michigan was locked down for like three years.

Starting point is 00:23:16 No, they went to like reduce class sizes, but they reverted back quickly. There was a study published about this covixel here last October. That shows that. Well, it's from Harvard. so your quotations are a little impetuous. No, it's just anytime anyone throws out the word study, it's like, okay, from what? October 4th, 2024 Harvard.

Starting point is 00:23:38 Yeah. That's when the study's from. It's about antivirals and mice. Oh, yeah, yeah. So their test was mostly about the flu, and they exposed the mice to 250 times the lethal level, and the mice were fine that had covexol. The other ones are dead because it was 250,

Starting point is 00:23:57 times the lethal limit. Okay. It kept those my safe. They didn't get the flu. They didn't get COVID. They didn't get RSP. They didn't get any of these viruses. Okay.

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Starting point is 00:24:50 Despite the lack of FDA approval, Covixel has been available for purchase over the counter at various retailers for like HGB and Meyer. Before Colvixel, we were masking every day and fully isolated from March 2024 until separation. This sounds like you're very scared. July 2023. We've been avoiding infection because each one takes significant time off of your life. Whether it's now or later, it's taking the time. Like you're going to be sick.

Starting point is 00:25:20 You have the hard science behind that. Of long COVID? Yes. Yeah, I have that NIH article. One person gets COVID, they're going to die 20 years younger. No, no, it's not that you're going to. Five years? It's not a specific time necessarily.

Starting point is 00:25:36 It's just some period of time you will lose with every single infection you get. Like a minute. Like, what are we talking about? It depends on your other health factors. Well, doesn't everything? Yes. I mean, yes, if you're a fat like me, I'm not going to live as long. Nothing has had the profound impact on children.

Starting point is 00:25:56 But it is a part of my financial thing because I haven't been able to. Well, that's fine. I'll let you talk. I like to play devil's advocate to things. I would definitely say I'm a COVID extremist over the last five years. That is very clear. But I just do not have the information equipped to be able to have a reasonable conversation is what I'm saying. Like obviously, I can tell you're an extreme camp, but I don't have even like the middle camp's ability to like talk about it.

Starting point is 00:26:23 Right. Because it's like I got COVID a few weeks ago and I had a like, I was a little. So you'll need to watch for new symptoms as time to develop. Well, sure. Anxiety, depression, gut issues. Well, it was like strange bowel movements. Five months ago. None of those have changed.

Starting point is 00:26:38 I also had it like four years ago. Still none of those have changed. But nothing new has happened to me. That's good for you. But for a lot of people, they can't get out of their bed anymore. I don't think that's part of it also. You don't think your thyroid's affected when you get a COVID infection? I think I don't work out and eat really poorly.

Starting point is 00:26:56 That could be. That is. Like, mathematically, my calorie in versus out is, uh-uh. You have to know what your macros are to, like, to lose weight or maintain, you know, if that's your goal. But if you don't care, you just don't care. That's fine. Okay. Something just tells me you've been on Reddit or Twitter too long.

Starting point is 00:27:19 But I, okay. Like even after this show, I'm quarantining for a week before I pick my kid up again. Are you okay? And I'm on covixel and masking on the airplane and using CPC mouthwash. CPC? I don't even know. These are tools people should use. I think even worth living if you live it like this.

Starting point is 00:27:38 You think those steps are extreme? I find life to be worth. That you're not going to see another human for a week? Yeah, it's pretty extreme. But I won't see my kid. What is that isolating? Well, yeah, I'll be in my house. alone.

Starting point is 00:27:54 Are you going to see any other humans? Well, my roommate will be there, but they've accepted the risk that if I come back with an infection, they're fine with it. But I don't want to give my daughter an additional instance of COVID if I can avoid it. Sure, sure, sure, sure. This prevented me from working.

Starting point is 00:28:13 And Applebee's was another issue with that where I couldn't mask and be in the kitchen. It just wasn't working. it was just too hot in there my glasses were far it just wasn't oh so it wasn't they didn't say you couldn't no they no i i i couldn't i could for my personal choices and views i could not operate in society well it basically sounds like you're not actually in fact you're not because you couldn't exist in an applebees and you're 34 and you have no career okay this makes a lot more sense you're incapable of operating in civilization right yes yes guys i just wanted to say an extra thank you for

Starting point is 00:28:50 making simpler budget an incredibly popular app. I wasn't expecting it, but we literally get thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two-week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, we'll get a Founder's Edition, Simpler Budget Notebook. And it is signed by me. directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're going to release throughout this

Starting point is 00:29:28 next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download simpler budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for simpler budget. premium annual. Okay. Yeah, it was like McDonald's was the same situation. You worked at McDonald's too?

Starting point is 00:29:59 Yes, in 2020. You're dropping my fries? Wow, okay. Yep, I started at McDonald's in 2024. I worked there for about a month. And then the manager opened up with me one morning and was blaming me for going too slow. Well, after just training me on the drink station and taking orders, they kind of introduced me to it. And then they were like, okay, you can do this now, right? And then yelled at me for being too slow and we were the only two people there.

Starting point is 00:30:34 And then later that day, that same shift, the woman was making breakfast burritos in the back and just like kind of coughing all over them. And I was like, yeah, and I was like that's nothing to do with COVID. This is a gross. well she tested positive for COVID so it actually was COVID this time but she also was just a gross because I don't care if you have COVID don't cough into food right yeah like those gloves aren't gonna stop your coughs going in there ma'am so I was like okay this is I don't want to eat this or or be here so I left that and then a couple weeks later I had started at a tree service company I was so long as you've held down a real job the tree service company was how long that was almost six months.

Starting point is 00:31:17 Oh, and I caught a log. Is this even worth going through your documents? Oh, my, I think, I caught a log to the side of my head on that one. I think you're just lost, man. I think you're just,

Starting point is 00:31:27 you're going to be afraid until the moment you die of everything. And I'm not saying people didn't get sick. I'm not, I'm not saying I'm on the other side of it either. I'm not saying I'm on your side. I'm not even taking an opinion or stance, because honestly, I'm just not etiquette down.

Starting point is 00:31:40 I just don't really care. I was like, you know, I got a little bit of fever and I was like, oh, this sucks. Hopefully I can go outside again soon. And then I did. Hopefully I can move again is some people's reality.

Starting point is 00:31:51 Sure. Like, I hope I can get out of this vet again. I'm just trying to make sure I'm positioning for those that are listening out there that I'm not like even taking a position. But you're obviously in an extremist camp. And it is preventing you from living a life. A life. A life.

Starting point is 00:32:07 I feel like I have a pretty good life. You're not going to see people for a week in 2025 because you sat across from the table for me. Well, because of I was all. also on an airplane two seats away from a woman. But you're taking your magic little spray. Well, yeah. And I also had an N95 on. But like that doesn't necessarily, I would like to take all the steps I can to keep my kids

Starting point is 00:32:26 stuff. Exactly. Like Mormon underwear. Yeah. They're my garments, essentially. These are my COVID religious garments. So after tree service ended, it was just down the road from a strip club. And one of my jobs on my list.

Starting point is 00:32:46 stuff to do in my life was strip club manager. What, so you can see tits? No, I... No, it was just on my... Well, sure. Yeah, but... Well, belly button mostly.

Starting point is 00:33:00 Yeah. I was really... It was close. I had made a joke with a co-worker, like, I'm just going to go start working there. Like, I'm tired of doing tree work because it was a 45-minute commute there, 45 minutes back,

Starting point is 00:33:15 and then it was a... working from 8 a.m. to 4-ish and 20 bucks an hour. Oh, how have you actually survived? That's a great question. It's an incredible question because I'm surprised you're not calling yourself by

Starting point is 00:33:32 inserting your will force. Like, surprised you're not 500 pounds from not being able to leave your house. I'm so, this is, I'm okay. I try to keep healthier food in the house. So we'll have into the strip club then. Okay, at the strip club. We will get into the finances. I am trying to just

Starting point is 00:33:47 establish this man's base because, oh my God. Okay, okay. So the strip club, I, I knew I could make some tips being the bartender out there. That was what I was thinking. I was training to be a manager. So you have to do the door and then you learn bartending. Then you learn DJ and you learn how to pull the cash from the ATMs. Oh, sure.

Starting point is 00:34:07 And then, yeah, you go from there. So I had got to door and bartender, except it was only $11 an hour for the first 90 days. Before tips. Before tips, yeah, $11 an hour, old minimum wage, before tips. So that was going pretty well. The scheduling was kind of killing me because I homeschool, and I was, so I'd have to work from 7 p.m. to like 3 a.m. and then wake up and do homeschool and then go back to work, and it was just not working while I was sleeping in.

Starting point is 00:34:38 I was exhausted. How long did you say there? I was there for four months, four months at the strip club. So until... But they did have this one contest there called the prettiest butthole in Michigan. It's a pretty good contest. Yeah, if you want to compete or judge? I was just witnessing.

Starting point is 00:35:10 I wasn't judging or participating. The guy that won, though, definitely deserved the trophy. That was... Nice and bleached, I'm sure. Okay. he did fantastic yeah he had the best

Starting point is 00:35:22 stink star in the galaxy I'm pretty sure what the fuck you're fucking doing just working I mean kind of I mean you quit every job

Starting point is 00:35:30 you're not working a job right now you're doing DoorDash DoorDash is a job it's a job but with your money before expenses the job that fits my schedule

Starting point is 00:35:39 currently and I enjoy doing it because your schedule is bordering like made by you that's well I mean

Starting point is 00:35:48 it's between my custody arrangement and homeschool scheduling, I need to do all of these other things. Okay, maybe you can't homeschool then. No, I have to homeschool. Okay, then maybe you're just unable to operate as a single dad. Mathematically, so far, that is correct. Yeah, it's been extremely hard to go from traditional husband to... Buddy, this is debt. I actually don't even know it, but my producers,

Starting point is 00:36:18 have been telling me for about a week now that they've never seen anything like it. So I know for a fact, you are failing. Yeah. And at some point you have to give up some things. I've given up everything I can so far to make things work. Not even close. I could get into some details if you like. What would you like to?

Starting point is 00:36:36 No, all I know is you don't need to be doing this donation business. You don't need to be doing the fish business. It takes time. It takes time. And even if that time, hey, shut up for a second. I'm going to talk for a moment now. Even if that time is making $16 an hour, if you have to dedicate an hour to fish, let's say randomly as an example,

Starting point is 00:36:59 in the middle of a day, and that's preventing you from going and working nine hours somewhere else, it doesn't make up for it, and your financial situation is proof of it. If you cannot afford to take care of your child because you are dedicated to homeschooling them, then you can't afford to.

Starting point is 00:37:14 This is basic. I afford not to. It's worth any price to take care of my child. Oh my fuck. Oh my. If you have a kid one day, you might understand. Yeah. Are you married yet?

Starting point is 00:37:24 I am not. But guess what? I've seen a lot of people on this show. And this is where you're headed that you're so proud of for some reason, where their entire life, your kid is going to be on hold because their failure and joke of a dad while they're trying to live their life, never did anything in their entire life, their dad's life. So all of a sudden, your kid has to put their life on hold to take care of their failure dad. That's where you're going.

Starting point is 00:37:53 That's just a mathematical reality. I don't need to have had a kid to know that. That's not going to happen. Fuck you. That's not going to happen. Look at your finances now. You're in your mid-30s. You're acting like a 12-year-old.

Starting point is 00:38:03 Shut the fuck up. You don't know what you're talking about. You're a baby. Shut up. What a joke. That's not going to happen. You don't know anything. That's not going to be.

Starting point is 00:38:13 You're not even living life as an adult in 30. You couldn't successfully complete to marriage. You can't successfully complete holding a job. I was married for 12 years. And guess what? You're not. You couldn't successfully complete holding a job for more than six months. You couldn't work in a kitchen.

Starting point is 00:38:31 You can't go and sit across a desk from someone without having to sit in a house for a week. You're a child. You're incapable of existing in this world and doing all this stuff that you want to do. And just like, by the way, your kid, you want to homeschool. your kid. All this stuff that you are choosing is going to put you in a position where they're going to have to put their life on hold to take care of their joke of a dad. That is your choice. And it's honestly a disgusting choice. It is a selfish. So them being sick from being in public school constantly is a better thing. So how would I take care of a sick kid? I can't afford a babysitter.

Starting point is 00:39:09 I can't afford a hospital bill. If they get the sniffles? COVID is not the sniffles. I didn't even say. COVID, you just said sick. I'm suggesting a cold. There's hardly even colds anymore. That's not even true. That's, I know that's not true. Bring up the wastewater

Starting point is 00:39:29 data and look up holes over the last five years. You should check it out. Buddy, I'm not falling down your conspiracy holes. If you find the truth to be conspiracy, there are other problems. That's what everyone says, buddy. That is in your...

Starting point is 00:39:45 You've met someone else that's taking this many COVID precautions? Matt? No, but we've all seen them. We all know people like you in society, and you never go anywhere. The survivors? You never go. I'll be here long after the rest of you are gone. I highly doubt that.

Starting point is 00:40:00 I will be. I don't think that's on my bingo list. Your life isn't existing. I don't think you. I have some great coworkers. Co-workers? Oh, the stuff? Yeah, they're fantastic.

Starting point is 00:40:15 And I see people with DoorDash. How do I not? see people. I'm into... I have to go into these stores and every day and interact with people. Yeah, that's a fleeting moment. It's not an actual connection. What does the future hold for businesses?

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Starting point is 00:41:32 Thanks to NetSuite for sponsoring the video. Let's jump back into it. How extensive is your friend group? I have a pretty remarkable friend group. I have some fantastic friends. What's here about it? Okay. anyone specifically I guess start with my roommate

Starting point is 00:41:48 Describe your friend group This robust friend group I wouldn't say it's robust It's like four people in my mind No it's really all I need Dude you can live whatever life you want But you're going to take down your kid with you I'm really trying not to do that

Starting point is 00:42:09 And part of this show is to help give them a better future Listening to you and the absolute world view you have, nothing I'm going to say is going to fix anything. You're already gone. You need like a deep therapy. Do you go to therapy? No, not anymore. Yeah. I can't afford that.

Starting point is 00:42:33 Okay. I'll give you three free sessions with sound or mind. I use them. The audience use them. Former guests use them. All right. I appreciate that. I will definitely use those.

Starting point is 00:42:43 Thank you. Yeah, bring the shit up. You got some stuff going on. I'm not sure what they could tell me that will change any of it. They just need to, people like you spiral and you're spiraling. Because people can fall down the complete opposite side. There's extremists everywhere and lots of things. But when you start falling down the extremes where there's only one, like, a perfect truth that only you know, it just gets.

Starting point is 00:43:07 This isn't something only, I know. I know. But come on. It's your little, you're a little community. your little threads online. We just like to be safe and protect our kids. That's really it. That's a nice way to say it and present it,

Starting point is 00:43:19 but look how you've talked so far. You're literally fucking destroying your life for the sake of that. I'd rather be broke than dead, for sure. A million percent. I'd rather be penniless and more. Than dead. Okay, cool. Than dead.

Starting point is 00:43:34 And before we move on, let me get, let's get a real statistic. This is not a political thing. We're just going to get, an actual real data point. 103 million confirmed COVID-19 cases. So in your instance, literally a third of the United States

Starting point is 00:43:51 would be completely failing and collapsing. Okay, as a result of the 1.2 million deaths. Of the diagnosed cases was 1.2% death. So 99% chance of survival, which according to you... From initial infection, yes. But it's important to note that that is only on, based on people who actually got diagnosed, the vast majority did not,

Starting point is 00:44:16 and then the vast majority of people that did were either old or morbidly obese. So there you go. I'm not just afraid of death. It's the being incapacitated from long-coving. You made it. You made this sound like, and this is why what you have is an extreme position,

Starting point is 00:44:32 I'm not saying it's not scared to die, but you said I would rather be financially than dead. You made it either or. And it's not that simple. and your extreme brain has gotten you there and it's preventing you from actually living a decent life and that is scary.

Starting point is 00:44:45 Repeat infections would kill me and dramatically shorten my child's life. You're saying that as a fact. It is a fact. Look up repeat infections. Oh my gosh, this is such a stupid, why are we talking about this for 40 minutes? I don't really care about this.

Starting point is 00:45:03 A lot of people don't. Most people don't actually. Probably about 99% of people do not care at all about this. They don't care about their kids. They don't care about their spouse. They don't care about their parents. It's not about caring. It's what you're defined as caring.

Starting point is 00:45:17 Have you seen what attendance looks like in an elementary school since COVID? Huh? Have you seen what like attendance rates look like in public schools? I can't find an actual statistic related to re-infection. Because no one knows how bad it is. And how are you so confident then? You said that I am going to die. It's just a law of averages.

Starting point is 00:45:36 Like it's just. So if you get it 99 times? If you have it, no, even 20 times, like, okay. But you said there was, there was. You said will. You will. Yeah, you will. Yeah. You, there is. Okay. That's fair. Because this is actually. Yes. And the numbers aren't on my side because they don't, they aren't there. Like, the information is just not there yet. There's not even a test for long COVID unless you have a previous COVID infection and you have all these new symptoms. They just say, oh, well, that's long COVID. I'm not saying it doesn't exist. I'm not saying that. Actually, I know that. I know that. might medically diagnose. They do medically diagnose it. But you're like, there's no test for it. There's no way to tell what actually is. They just use a list of things and you're like,

Starting point is 00:46:15 you have it. So like you're not making it sound good. You're not making it sound like something. I wish I could make it sound better. I don't know how to. Why are you so obsessed? My. If you're not able to make it actually. It's basically a bet. It's a gamble that I believe these things will happen. So you're not willing to gamble with the 99%? If I have a 1% chance of of losing and a 99% chance success of winning, I'm probably taking the role on the win. What is the win though? Repeat infections? Again, there's no actual statistics around that.

Starting point is 00:46:55 At least that I can find, well, all, for what it's worth, what I did is I did the search function on GPT. So I had it at SCOW resources. So obviously I can't sit here and read 50,000 books in the middle of this conversation. Right. I have to do what I can. I wouldn't expect you to, of course. Yeah.

Starting point is 00:47:11 Okay. Okay, cool. So essentially you're not willing to change anything in all this finances that you would rather have fucked up than certain death. So why the fuck are we having this conversation then? Because there's other ways forward that don't require me to be around people. Yeah, I have them. Then why aren't you successful? Because it takes time and I'm getting there.

Starting point is 00:47:34 Yeah, buddy, you've been in adulthood 16 years. I had a pretty successful career before. Um, as a stay-out-home dad. Because, oh, okay. That's my longest career. I've been doing that for 12 years. What was the last time your kid got sick? Uh, November, 2024, I had went and stayed at my brother's house after taking a trip to repo a vehicle.

Starting point is 00:48:10 And I ended up getting sick and then came back home and I'd only quarantined three days. and it was not long enough and my kid ended up getting sick but that was the flu aren't you afraid by them not actually getting any antibodies of anything by ever having any interaction with anything that if they do you know where anybody's come from

Starting point is 00:48:30 that if they do just get like a literal flu at some point it's going to like destroy them that's not how our immune system works that's all based on a lie that getting sick builds it it weakens it every time yeah well I ask the question yeah Oh, where do you think your financial score is?

Starting point is 00:48:49 Zero to 10, zero being the worst, 10 being the best. Zero currently. Okay, so we better not change anything. If you want your Hammer financial score, link is in the description below, or you can go to Calebhammer.com. If you want to come on this show, Calebhammer.com slash apply. We'd be happy to have you. Normally, this is where I say, download the simpler budget app

Starting point is 00:49:08 because it'll actually fix your financial situation, by you can see how much you spend on certain things. But, blah, blah, you get the premium version. but you're not a budgeting case. That is as clear as day. It is obviously not your actual finances that is impacting your life. You are down deeper avocles of extremes. Okay.

Starting point is 00:49:28 IRS for 2014? Yes. What? The f... Yeah, 11 years ago. That's comedic. What? Can they even collect on that?

Starting point is 00:49:46 It's 11 years old. It's the IR. No, there's a statute of limitations on that, I'm sure. It's got to be 10 years. Before you get too far, you should maybe look at a couple of the next pages there. Did that say that IRS can only collect after 10 years? Have you seen that before? Yep, 10 years.

Starting point is 00:50:16 For collections. The IRS has 10 years from the date of assessing. when the taxes recorded is due to collect the debt after that, it's typically erased. Typically, yes. Okay. Okay, so if you'll just go over here and look at a couple more here. Typical has not applied to you. So why haven't you paid taxes?

Starting point is 00:50:40 Oh, my fuck. It's another 42,884 in tax. Oh, my, my, then for the next year it's $70,000 in taxes? We had a very successful business. Are these separate? Those are stacking. Those are separate years. 18, they went down a little, the 42,000, then 6,000 in 2020.

Starting point is 00:51:03 2020 was the year we started our corporation and started putting our money through an S-Corp. What was the business? My ex-wife is a cam model, so we were making over $10,000 a month. Yeah, yeah, because if they could do it, I could do it. But I can't. can't do it. It didn't know. It's no good. Like, it doesn't work well for me. I am not a good fit for that. They're much better. So, uh, this was us working together over the course of our marriage and what was your role? Photography and videography and sometimes acting, uh, for the, for the, for the,

Starting point is 00:51:41 channel and for videos. Wait, I have IRS that cumulative of 334,000. Yes. That's, uh, that's 2014 through 2020. That's fucking insane. I don't even know what to say. Yeah, that's I don't I don't have words for that. Yeah. It's it took some time to build that amount. Why didn't you guys pay taxes? We were the estimated payments were just not enough. We did not send nearly enough money. Estimated payment. Did you work with the CPA for those estimated payments? Um, no, I had went to H&R block for my taxes. And yes for your. Yeah. And they. kind of screwed us over. They did not help us do what we needed to.

Starting point is 00:52:28 I wouldn't have gone to H&R block if I was making that much money. Well, I didn't know where to go. It was, uh, Google CPA. I don't know. I didn't, I didn't know that then. That was, didn't know what?

Starting point is 00:52:39 I didn't know what, who to look for it to help me. Google, who to look for to help me. And in 2014, I just had, um, you're able to look things up. Well, right, but when I look, I looked it up, it just said go to H&R Block and talk to a tax professional.

Starting point is 00:52:56 I'm sure that was a paid ad at the top. Okay. So I was living in Knoxville at the time in a house that was... What percentage were you guys estimating? That we, well, we were planning for 30%. You put 30% aside? No, no. We didn't...

Starting point is 00:53:14 That's what we were planning to, but we never did. What the fucking mean planning to for a half a decade? Right. You're not planning... Now I believe even... unless I'm going to start making money or it's starting. It's starting slowly. It's going to happen because I was planning and it was five fucking years of planning.

Starting point is 00:53:31 Fuck you planning. How much did you, what percentage did you guys actually set aside planning? Set aside none. It was just paid on the tax. Well, no, we'd file the form. But you didn't pay off your shit. Yeah. Yeah.

Starting point is 00:53:50 I just thought that they would set me up with a payment plan or rent. Like eventually they did in 2018, but it was our income had become impacted from getting their payment processor shut down. Okay. From Sestafas, do you remember that? No. Okay, well, they lost. Anyways, the site we used to work on linked directly to our PNub channel so we could monetize our views from the PNub directly to our live stream. Why did you guys get divorced?

Starting point is 00:54:20 Like, why? That was the word I used. There was a multitude of reasons, ultimately. Yeah, why did you guys get divorced? My ex-partner got into astrology. Oh, you both are fucking insane. Really into astrology. And you both can't delicately get into things.

Starting point is 00:54:43 You both have to go down the craziest. Exactly. Okay. And your signs didn't match, so you got divorced? Yeah, my sign was to leave. I was not interested in. No, no. Like, I'll.

Starting point is 00:54:56 Okay, why did you guys get divorced? So you got into astrology. We got into us. They got into astrology. And they started. So instead of working on like their work stuff for Twitter, they started posting more about astrology and finding people that felt like that with them. I could. Because I have.

Starting point is 00:55:15 Were you guys open? No. No. Okay. We were exclusive. But she was a different star. No. No, this is cam modeling. Not like, so our... No, no, no, sorry. When she was making connections, I was associate.

Starting point is 00:55:28 So, like, part of the tax... I wrote a little song to remind you, choice hotels, get you more of the experiences you value. The can be your hotels got it all. A rooftop ball, have a ball. Bring a date, your squad, or even your mom. Book direct at choiceotails.com. Actually from like 2015, 2016, 2017, we were hiring other people to, we were paying other people to come cam with us. We were doing different types of shows and then we would not tax them for what we were paying them. Okay.

Starting point is 00:56:05 Well, they, someone messaged them on the internet about astrology and they had my ex-wife had posted about, uh, feet fetish work, like, and linking it to astrology. And this recently unhoused individual from the greater San Diego area reached out to them and said, hey, I like you. I want to hang out with you. And then I think that started, so this would have been March, 23. And then May 20203, my ex gave me some poems saying they wanted, they wanted, They wanted out.

Starting point is 00:56:47 So she left. Yeah, they left. They left. Yeah, they left. And at the time, I had rented a house for my mother and brother to move into so they could continue their job. And they took that rental agreement since it had their income in because we were married. It had their name on it.

Starting point is 00:57:04 So they're like, well, I'll just take this lease and move in here. You said you got on a payment plan for some of these? Yes. Yeah, we were on a payment plan in 2018. 2018 for the previous ones? Yeah, for all the previous ones. And that was at $2,800. You're fucked.

Starting point is 00:57:19 Wait, what do you mean? If the debt sat there for 10 years and did nothing, then it could be dismissed. But it didn't. It was likely that forgiveness, not forgiveness period. I'm trying to figure out how to explain this. That was likely paused because he went on the payment plan and it may have negated time.

Starting point is 00:57:40 I don't know where you are in terms of when this could have fallen off. I don't know without more information. Maybe we'll get it. going through this conversation, but... It's currently non-collectable. That 10 years, though, works if nothing happens. It can get paused quite often, though,

Starting point is 00:57:58 that 10 years leaving the country, applying for different services, going through the negotiation or conversations of a payment plan. Right. Yeah, I had hired Lotham or tax solutions. Oh, good. You can pay a lawyer, just not your taxes. Productive member of society. I hired them on my behalf to try and get the tax situation taken care of.

Starting point is 00:58:23 And they ultimately just got us a payment plan we couldn't afford. So we ended up paying them $10,000. You did pay $10,000? Yeah, it was $10,000 to allow them our tax solutions. And then we got the monthly payments gone. I paid like three of them because we had just enough money, but then we couldn't maintain after that. Well, okay.

Starting point is 00:58:48 The lack of income from... You guys filed jointly. Yes. Okay. What's they doing? The same thing. Pain? Wait.

Starting point is 00:59:02 But are they helping to pay this? No, not all of it's even 10 years old. No. Nope. Are they doing okay at least? I don't. I'm not sure. They haven't really disclosed much.

Starting point is 00:59:15 Well, right, but they don't talk to me about, I've asked. Like, even before coming on here, I was like, hey, what's going on? They're still in Michigan. Yeah, they're still in Michigan. Okay. They live not too far from me. Still doing cam. Yes, yeah.

Starting point is 00:59:26 And they've started with their new partner. Apparently, the internet doesn't like them as much as they like me. We went from 17 million views on to now their channels. you know 170th of that but that's okay he's nice to my kid and that's what matters are they terrified of COVID too

Starting point is 00:59:53 yeah we're all we're all on that yeah and the guy that came over from San Diego he he's been COVID avoiding with us this entire time which has been very appreciated

Starting point is 01:00:08 but it ultimately him not being able to go find work, I'm sure, is not helping their financial situation also other than him working with them. So what was your plan for these taxes then? My plan was to, well, ultimately I was hoping that the house could sell and they just get paid. Because we have... Why haven't you sold the house? It's, I need to, I need money to do some upgrades and...

Starting point is 01:00:40 What needs to be upgraded? Needs to be upgraded? Well, not... Well, the water heater needs to be upgrades. Yeah, but you can get that in a concession. Yes, yes, it could. But making a concession when I'm asking $200,000 above market. Why are you offering $200,000 above market?

Starting point is 01:00:57 No, no, I would need that to cover the federal tax debt because the federal tax debt at $330,000 and we owe $124,000 on the house. But you said you can't even afford living at your house. Right, yeah, I've been. So you have to sell it regardless of if it fully pays off the tax debt or not. Well, my ex-wife could move in there. and like she has another dude it sounds like why would she move in well they're in a rental house and the mortgage is going to move in no i don't i don't think so why is this even something you're bringing up all right listen up if you're a serious investor you need a serious investing platform

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Starting point is 01:03:27 Yeah, I don't. I don't know. Okay. So when you say you can't afford it, are you at least making your mortgage payments on time and giving up other things? So with the divorce, the agreement was that I paid the exact mortgage amount in rent through a rental contract that I did not quite read. To her? Yeah, to them. Yeah, to them. So I pay them the 1351 each month. But I miss.

Starting point is 01:03:54 What about when you sell the house? Do you get equity? Yeah, I get half of whatever. Did you pay rent? Okay. Right. Exactly. Yeah. I'm currently three months behind on the rent. Oh, what is that? Because, but you are still prioritizing your business that's definitely really going to make money for the first time? It will. It will. It definitely will. Can't work.

Starting point is 01:04:20 I wouldn't be doing it. I'm not in the job. Can't go outside. Can't interact with people. Okay. Can't be around the mouth, breathers. Can't handle the heat in the kitchen.

Starting point is 01:04:32 But yeah, the farm's going fantastic. I think you're just going to fall on the ground and honestly none of us should pick you up and you should have to figure out. Yeah. And you should have to pick yourself up. Yeah.

Starting point is 01:04:42 You're not a little victim. You're going to make yourself be. You're going to sound like it. You're going to cry like you are. I'm not trying to be a victim. No, not yet, but you're failing. You're three months behind rent. I have failed my guy.

Starting point is 01:04:56 You're not homeless yet. I was just evicted. They tried to evict me because of the stupid contract. Yeah, they evicted me in. You guys don't have a good relationship. I don't know what they're honestly trying to get. I don't understand the point of evicting me and our child. other than just money.

Starting point is 01:05:15 So they can't be doing that well if they need me to cover all of the bills. Maybe it's that you broke the contract? Breaking. Well, the contract was only... I don't know. We're not hearing... Written so the lawyer could get

Starting point is 01:05:27 additional legal fees. Otherwise, I wouldn't... And I... Like, this lease is up in April. I'm not going to sign another lease where they're going to say, oh, if you don't pay, you're going to be...

Starting point is 01:05:37 You have to pay all this stuff. Well, they tried, and they didn't, it sounds like. Yeah. You're not homeless. I'm not. I'm saying when your next batch that is definitely going to make money, doesn't. I have some on the drying rack right now.

Starting point is 01:05:53 That's amazing. Just historically based on your entire existence, something's not giving me confidence. I don't know what it is. And DoorDash doesn't bring enough to make in the fish is probably a waste of time. And it's taken away time that you get actually, and then all of a sudden you can't work and you're forced to take care of you good because you can't have them be around other humans. and all of a sudden it's all going to come crashing out and you can't afford bills. You're going to become in a homeless situation.

Starting point is 01:06:18 It doesn't sound like the ex would take care of you anyway. Maybe your ex gets full custody. Who even knows? You're going to hit the ground because you're not willing to change your life and you've fallen down very extremist. Just as extremists is like almost an in-cell, but in the other, in like the spooky COVID world. You're just going to fall and none of us should pick you back up

Starting point is 01:06:42 because you just need to find your way back to normalcy. I don't think that's going to happen. I hope it doesn't. I see you owe $334,000 at the IRS. Yeah, I can't. The minimum... So this is currently non-collectable. So as long as I don't make more than $10,000...

Starting point is 01:07:08 All of it is non-collectable. All of it is non-collectable. They can't come... They can't. The only thing they have is a lien on the house. That's the... But otherwise, they're not taking... Really?

Starting point is 01:07:19 Really? You didn't tell me that? Or did I just not hear that? Well, yeah, that's what I was, that's why I couldn't sell that because of the federal tax lien. Oh, no. Well, that's pretty fucking substantial. Yeah, that's, that's what I meant. Why I couldn't. Is they on the title of the house? Yeah, they're on the mortgage. That's why they were trying to. So if it's not even up to you to sell, if you even want to, like they would have to say. Yeah, they have ultimate say, but we have to. Ultimately say? Well, I mean, like it's. Do you have ultimate say if they want to and you don't?

Starting point is 01:07:49 they could just sell? I'm not totally sure on that one with a marital asset. What does the agreement say? I'm not totally sure actually. It's just that I get whatever half of the value is when it sells, but half of zero is zero. Because right now with this $300,000 lien on it, it would have to sell for almost $500,000 for us to get out and be in the green.

Starting point is 01:08:19 by the way non-collectable doesn't mean they're never going to do anything right it just means they're not right now right because i'm not making enough money to make the minimum payment but if your magical thing happens they're gonna want some money they might yeah they probably will it's a big bill it's not an insubstantial bill all right well credit one because you're so good by the way it's the bottom of the barrel of credit cards is essentially yeah yeah it was uh it's all i could get By the way, here, let me give you this. Again, I don't think budgeting's your issue, but I do like to give every guest one of these founders' edition. Budget, your financial, not, no, no, no, write down your financial journey in the budgeting book. Yes, it's signed, all that stuff. We sign them for, when they sign up for the annual version of the budgeting app, I send them a signed version, but you get one as well. I need you to document the entire process of your finances until you come on the follow-up channel, and then I'm going to read it. Okay?

Starting point is 01:09:26 All right. That's what you have to do. So like each step I take to get things fixed. Everything you do. Give me like a weekly review or whatever makes sense for your situation. Okay. So you seemed a little like, well, how did I, how did this, how did I not pay $42,000 in taxes? Like, you know, because that's, that's, you guys filed quarterly but didn't actually, you filed the paperwork.

Starting point is 01:09:47 You just didn't pay anything. Yeah. And it's because I was spending money on other stuff. No shit. I had, uh, obviously where to go. Yeah. At the time, I had the truck I really wanted. It was a 2015 Silverado.

Starting point is 01:10:02 Yeah. For the real important, hauling around a pair of boobs was a job. So I don't know. I don't know why you need that. If only knew what a joke though. Well, I'm sure they're impressive if they're making that much money. Okay. At the same time, I also had my dream car.

Starting point is 01:10:26 It was 06 Mitsubishi. Yeah, I had a truck and a car that were both financed. Well, now you have credit one. And now I have credit one. So, yeah, I had my 06 Mitsubishi Lancer. We were living in a 3,000 square foot brick mini mansion in Knoxville. We were well outside of our means. And I did not have the money to, when I saw like, oh, I should be paying like $9,000 on this quarterly payment.

Starting point is 01:10:52 I was like, I don't have $9,000. So then I just wouldn't do it. Because I thought it ultimately was just like, I'll get a payment for it and take care of it eventually. And that never happened. There was this other thing I got a little into when we were having a good bit of money coming in starting in 2014. This little game called Magic the Gathering. Have you heard of that? Yes.

Starting point is 01:11:22 I played competitively for the better part of the last. 12 years. Not really to the point where I ever made any money. By the way, I said 1% earlier and I just wanted to do more work. It's 0.5% is the death rate globally. Continue. So, at the time, when I was

Starting point is 01:11:41 not paying taxes, I was going to, you know, like my Friday night magic every single week. And sitting down with the... Yeah, keep going. Yep.

Starting point is 01:11:57 And, I like to have the best deck in the room. I like to go all in when I do something, so I would build full foreign, full foil, just different types of stuff. And that ultimately really got to my ex that I would be spending these numbers on magic cards. And the Credit One card definitely had some magic card purchases.

Starting point is 01:12:24 $47 of fees. Why? Because you probably didn't make a... There it is. There it is. Plus, of course, your normal annual. Oh, $450 is the credit limit. You owe $517.

Starting point is 01:12:40 Well done. Really setting your kid off for success. I'll get those taken care of as soon. As soon as I can. As soon as you can. I have a payment schedule for the... Your adult life has been nothing about a joke. What is this as soon as you can?

Starting point is 01:12:56 You never will based on your track record. By the way, you never have... have to. You never made money. You're exed. Well, we made it together. Like,

Starting point is 01:13:06 sure. Them live streaming was the largest portion, but like, yes, but you've never accomplished anything on your own. A lot of that was from my hard work also. You've never accomplished anything on your own. You couldn't have done that with that.

Starting point is 01:13:18 I would like to say my kid is my best accomplishment. I'm talking, oh, financially shit. Oh, you know the show? Yeah. That's,

Starting point is 01:13:25 yeah, I, you've never done anything. You've never been successful. I feel like I've had glimpses of success. Six months max, uh-huh, yeah. Oh, you mean from work. Yeah, magic, it was a little over $100,000.

Starting point is 01:13:42 The store owner at one point showed me how much I had spent and personally thanked me for keeping the lights on. Instead of keeping your own lights on for your fucking kid. Father of the year, ladies and gentlemen. Well, at that point, I had much higher, income, the power bow wasn't behind then or anything. Just taxed. Cooks over, right. Did you have a fully funded emergency fund? No. Then you couldn't afford it. By the way, I'm just getting some just statistics out there for long COVID as

Starting point is 01:14:15 as we go through this entire situation. Just so I can try to become more educated on it. Obviously, I appreciate that. It's very blah, blah, blah, impromptu. About 5% of people who get officially diagnosed with COVID, get long COVID. Of course, we know the majority of people who get COVID are not officially diagnosed with it these days, but of those who are, and also 5%. And of those who get diagnosed with long COVID, the vast majority of that long COVID only exists for max to max of a few months post-infection. The small minority of the small minority of this small minority have it for a year.

Starting point is 01:14:54 There's people that have been constantly. hospitalized with it. People. There's people who've experienced everything. There are people that will walk outside right now and get hit by a car. Do I destroy my entire life for it? No. I don't plan traffic either. There are people who get on a plane and it crashes. Doesn't mean you didn't get on a plane to come here. Yeah, true. Oh my gosh. I actually may have made a fucking breakthrough. Who would have thought? $543 and two cents. Well, this one was just to diversify my credit portfolio at the time. Oh, you real diversified it above the credit limit.

Starting point is 01:15:33 Yeah, that's, I didn't mean to do it. I had them all below the limit. Well, you're not making a fucking payment, so you didn't mean to do it. Well, the late fees and payments have put them over the limit. All below there. Because you're not paying on time. What do you think would happen? Dude, you're a dumb ass.

Starting point is 01:15:48 Of course, that is your choice. Still, you still spend $224 going out to eat and then miscellaneous bullshit things that don't matter. Could be video games, it could be whatever. We're about to find. out as an additional $212, you could have made your payment. It's $130. Fuck you.

Starting point is 01:16:03 This is a choice. Irresponsible. You're a child adult. You're a child adult. You're a child adult. You look like John Green, but you're a moron. I don't even know who that is. Well, this is the quick silver card.

Starting point is 01:16:20 Well, this was used right after the divorce when I was looking for work and couldn't get any help from the government. because I was still on my wife's finances. Couldn't get any help from the government. It hasn't paid taxes for a decade. Who the fuck do you think you are to get help? You didn't put into the pile, asshole. Yeah. Yeah, nothing to say to that.

Starting point is 01:16:46 Yeah. Yeah, this was mostly for food at the time. Just getting by it to do what I could. Wonderful. Yeah, you spent $500 on bull. Minimum. On what? I told you.

Starting point is 01:17:04 It was like $2.50. I'm going out to eat another $2.50. And Ms. Leslini's bull. Yeah, $130 to be caught up on your minimum fee payment on this. Then it would have been about $40 a month after that. Yeah, fuck you. That's going back to the divorce.

Starting point is 01:17:16 Oh, wow, poor me. I was just trying to eat. Sure, in that situation, look where you are now. You spent $500 on bullshit minimum. Minimum. Minimum. You could have paid $130. Shut the fuck up.

Starting point is 01:17:26 Shut the fuck up. There is no defensible thing you could possibly say to that. There is no need to be a moron to that. It is not required. Shut the fuck up Normally before you're like I just didn't have the money to pay it No I have an inch of my nose

Starting point is 01:17:40 Maybe I should spray a random spray up there Yeah fees Pals do 30% interest rate Moronic I wouldn't even recommend the Fizz card to you Because Debit card that builds credit That's for the audience

Starting point is 01:17:56 Not for you I wouldn't trust you with it I wouldn't And nah Again this is nothing at the budgeting app Well We get something like a thousand signups for the premium a day. It's pretty cool.

Starting point is 01:18:14 People are actually changing their lives out there, taking control of their money. That's good. You couldn't do it. I'll get there. You will see. I will get there. You have 34 years to do it. And you're in the worst position I've ever seen on the show practically because of your IRS.

Starting point is 01:18:29 This is a fucking, your hammer financial score. I mean, you have a lien on your house. So it's going to be a zero. Like you have nothing going for you. It's not even my house. Technically. You're not on the title? No.

Starting point is 01:18:42 Oh. No, I'm not. I'm not on. No, my name. Oh, for fuck's sake. So selling the house, why bought your iron? What?

Starting point is 01:18:52 There is no selling your house. You're not, you don't have a house. No, no, selling the marital home, I mean, like, well. Marital home. There is no marriage. Well, there was.

Starting point is 01:19:04 They, they have. have a house. Yeah, that I'm currently three months behind on rent. Rent. You're a tenant. You don't have a house. Oh, fuck me. What is this?

Starting point is 01:19:18 What is this? Capital One. $374.84. $84. Minimum of the payment, $112, probably normally 40. But guess what? We didn't pay. We're all surprised.

Starting point is 01:19:35 Late fees. interest charge what a joke what a fucking joke 31% interest oh what is this consumer energy I remember that from up there oh yeah we still owe $8,297

Starting point is 01:19:52 why don't you just do anything right ever I have tried to pay this down but the fees and stuff are just getting kind of ridiculous which you fucking deserve because you got into that Utility companies, sometimes they do fuck over people.

Starting point is 01:20:08 You fucked yourself over. You didn't like, you deserve this. I don't think so. I don't think so. Look at your entire track record and how you go about life. No, I don't believe for a single second you're a victim in anything. You've put yourself in these situations. My gosh.

Starting point is 01:20:25 I have tried to get that resolved. This was from 2023 when I was using the marital home to operate the farm. The electric bill I average was like $1,600 a month. Yeah, so you don't have that home then. That seems like the best way forward. If you can't afford the same- You get into, don't get into it, you dumb tip. And get out of it if you have to. I can't.

Starting point is 01:20:50 There's a lien, blah, blah, blah. I think getting out of stuff has been my, one of the harder things in my life to do to just quit and move on. Yes, yeah. What? So currently it's the market. It's $290,000, well, they owe $124,000. But obviously, if they pay off the debt, the IRS debt, that means you're in the clear, too, do they have any attention or desire to, do you know? To pay off the debt?

Starting point is 01:21:19 Yes. No, nor the ability. What, do they make good money anymore? I don't think so. I don't think they're making anywhere. Todays are making the money? I mean, porn stores kind of go, right? Sometimes.

Starting point is 01:21:33 I mean, how many? Some get way more successful. I mean... I haven't studied the field personally. Not even on a monthly payment for this? I was, but they needed $1,400 a month for it for the minimum payment. So I can't afford that currently. Of course is just your income combined for your very successful businesses.

Starting point is 01:21:57 How many employees do you have in this bullshit? Just one. And then another person that I don't... much more substantial earlier. Well, I can't afford more. I can... No, shit. Listen, I'm going to gift you a course career certification in accounting.

Starting point is 01:22:14 Hopefully that at least helps with your businesses, but I would honestly just abandon these and just go work a fucking job if you're able to operate in a room with people. But you're not able to, so you probably can't get a job, so you're probably... Oh, my... Again, I think the situation's unfixable because you're not able to operate like a human.

Starting point is 01:22:35 And because of that, the situation is broken. $93 in our checking account. A.m. withdraw. Where to go? Subway. Mm-hmm. Called it. Taco Bell. Amazon Prime. PayPal and out. Went inside. Got some bowl. eBay. Taco Bell. Taco Bell. Subscription. Paypal on out. Blizzard. Donald's. Netflix. Taco Bell. great use of resources

Starting point is 01:23:08 it's all garbage yes it is great use of resources when you're completely and destroying your kids future 31% interest on a credit card a you owe 334 to the IRS credit cards from least my concern Taco Bell

Starting point is 01:23:21 Donald's Shopify Meyer but it's cheap Meyer so it's not groceries probably Taco Bell Taco Bell Cash app Taco Bell Taco Bell

Starting point is 01:23:31 what the fuck is your obsession with Taco Bell My kid loves the three cheese chicken flat bread. They're 2.49. Okay. And they just love, so most of them are just. So it's scary she gets a cold, but it's good to shove fast food down her throat. At the end of the world, it's good to live a little.

Starting point is 01:23:52 But you won't let him go outside or interact with humans. They go to gymnastics every week. Cool. They get to see people once a week. I just feel bad for the kid. Oh, you spent money in LF. Well, you're trying to see the old pair? No, a different friend

Starting point is 01:24:25 Friend Yeah, they probably don't know you exist What? No, it's a It's a real life friend PayPal and I don't Why the fuck are you giving them money then? Wait To see them naked

Starting point is 01:24:38 Oh on Well, it's not a lot of money Huh? It's not a lot of money on there Buddy, you have no money You only have debt, you're a joke I like to be supportive of my friends Yeah, maybe support your fucking kid

Starting point is 01:24:52 Taco Bell, Taco Bell I don't 85 bucks to whatever. Paypal out. Amazon Taco Bell another subscription on Netflix. Blizzard, wait, this looks like a repeat. But it's not. It's just a different time frame. Taco Bell, Taco Bell,

Starting point is 01:25:08 talk about Blizzard. I think it's just another month showing the same exact bullshit. And no retirement. Buddy, this isn't a budget conversation. Why the fuck wastes my time making a budget? I don't get it. It doesn't make sense. You don't make enough money to be able do budget. What's your rent to them?

Starting point is 01:25:26 The 1351. Yeah, you don't make enough money. Like, this isn't, this isn't something I can make a budget for. That's not how this works. I will be. I'm just, I haven't been there yet. 34 years of that being there yet. All of a sudden, magically going to start happening.

Starting point is 01:25:42 It's not magically. I've been doing hard work for years. Hey, I like your new rap four. Thanks, yours too. What does rap stand for anyway? To me, it's the remarkably advanced vehicle. Really? To me, it's the runway approved vehicle for its amazing style. What about remarkably adaptable vehicle because of its versatile cargo space?

Starting point is 01:26:00 Or really admired vehicle? Oh, or really awesome vehicle. It really is the recreational activity vehicle. The stylish 2026 Toyota RAP4 Limited. What's your Rav for? Get my farm prepared. You work 20 hours a week. You don't know.

Starting point is 01:26:22 That's not what has to change. The budget isn't what has to change. Yes, you should cut down and you're spending a bull. That's not going to make a dent in the IRS. Yeah, right. That was my thinking also that it's not going to make a dent. Well, it will make it worse. So, yes, you're supposed to cut back on saving.

Starting point is 01:26:38 But again, that is not the biggest thing at play here. Your worldview is. I'm not saying if you were immune compromised or fat or whatever. You shouldn't be afraid of certain things. I'm not saying that. More likely to die, of course. I'm not in any extremist camp. I try to be as objective as possible

Starting point is 01:26:59 and just go off of what data exists. You're not able to operate in society, meaning I can't give you a budget that is in society. There is nothing that can be done here unless you actually join us in like the world. Like, I don't know. You're in your own world and you're scared. And I can respect.

Starting point is 01:27:23 the feeling of being scared. As someone who gets anxious very easily, I can at least respect that. I hope there's a time where I can... But you've developed a phobia. Yeah, definitely. But that phobia is preventing you from existing

Starting point is 01:27:38 or giving your kid a life or being able to prepare yourself for the future or a kid for the future. But even if I make these changes, my kid's not going to make those changes because their mother's not going to make those changes. And that's beyond the scope of me. Yeah, I just have

Starting point is 01:27:57 just door dashed in the farm currently that's that's my my goal there's no budget in here man i have a i filled this out on my phone even to like i filled all of my stuff out on it probably says you spend more than you make no i can show it to you if you'd like i filled it you spent like almost well i mean what's coming in like so i can prepare for when i am making money so i can set things aside what are you going to make in this magical world if everything goes right okay so everything going right so let's do you have a calculator i can i borrow this okay uh let's it's about 250 a day is what this this will transfer so i'm 10 dollars an hour 20 4 hours a day without me working gross well or if you want to cut it to a 10 hour day 24

Starting point is 01:28:47 a hour i'm saying what does it make net daily profit yeah that's my profit 250 dollars a day my profit will be as of April. As of something that hasn't happened yet that you're really open. It's happening now. Like the plants are there. I don't know how else to explain that. Like it is doing. You still have to move the inventory.

Starting point is 01:29:07 That's not the hard part. I have fantastic patience. That is not the hard part. The hard part has been having enough space to grow enough stuff to take care of this mountain of debt. $250 today for how long? Every single day. Forever.

Starting point is 01:29:25 And yes. And that's the minimum. So you're making 91,000 hours a year. Yes, that is the projected from just my portion after paying all of the bills and employees. 7,604. Cool. Catch up on rent. Pay off your debt.

Starting point is 01:29:38 There you go. Congratulations. I don't know what. That's, that's, I just don't believe you. You don't have a track record. You can't. You can't because you don't have a track record. I can't until I do it.

Starting point is 01:29:50 You're not, yes. And if you do do it, I will give you the biggest high five in the world. And I will celebrate with you. I will look forward to that day. But your track record makes you. you and a not reliable narrator on anything regarding money. You've been working on things forever. You made plans for taxes for five years and never did anything.

Starting point is 01:30:07 I can't believe you. And you have to at least be able to recognize that. Yeah, I recognize your position. I don't care. Like, this isn't, I just feel bad for you. I feel bad for your life. I feel bad for your kid's life. I feel bad for your ex.

Starting point is 01:30:22 Whatever's life. I feel bad for their new person's life. I feel bad for anyone, no matter the extreme they have fallen down. I feel bad for anyone's phobias. Phobias are inherently irrational. I have a phobia. A fine. It's irrational.

Starting point is 01:30:42 It does. But luckily, I'm still able to live life. You're not. You're falling behind and dying. And your hammer financial score is zero. I just feel bad for you. And I hope you get. the mental health help that you need.

Starting point is 01:30:57 Because you've fallen down a dark hole. Unfortunately, you're dragging a child down with you. And that's what's sad. I don't feel like... We're going to go to the post show, guys. Apparently, I don't know what it is, but Lindsay, our producers, told me that she has something for this post show

Starting point is 01:31:12 that is incredible. She told me that she has this like two days ago, and I never hear that about post shows. So I'm very excited. So, whoo! Join us in the post show. And we'll see it there. You can join the elite version, and there's thousands of hours of extra content,

Starting point is 01:31:28 and we upload something new every single day almost at this point. And make sure you download the simpler budget app. I'll see you in the post show. Oh, my, so you're fucking over people in your lives. No, I'm not trying to. I care with Caleb how you've taken investments from people. Don't you, I can give good advice. Really?

Starting point is 01:31:45 You have three maxed out credit cards over maxed out. IRS that in the six. Oh, okay. Just to watch the financial audit post show. Click the join button below.

Financial Audit - Financial Audit's Biggest Nutcase

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