Financial Audit - I Had To Kick This Dipsh*t Off Financial Audit

Episode Date: April 23, 2025

I had to kick him off... and then the producers come in and tell me even *MORE* - texes, mug throwing, ENDLESS BS!!!! Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer ▶▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: *FINANAL LOW PRICE CHANCE* 1. *LAST CALL FOR 40% OFF TOTAL DISCOUNT* Bundle my budgeting, debt, investing and real estate program https://calebhammer.com/classpack/ 2. *LAST CALL FOR 25% OFF* The best budgeting program online: https://calebhammer.com/budget 3. *LAST CALL FOR 25% OFF* Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4. *LAST CALL FOR 25% OFF* Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5. *LAST CALL FOR 25% OFF* Everything you need for buying your first home to buy your first investment property: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. Click this link https://j.moomoo.com/Caleb to get up to $150 in Cash Rewards from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 8. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 9. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 10. Build you own stan store: https://www.stan.store/?ref=CalebHammer Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Ambition comes in all shapes and sizes. 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. You're not willing to admit once when you might be wrong because right now it's nothing but failure. Everything I've invested in, I've made money on. Like if you check my Robin Hood account. Can't acknowledge you're wrong. You're an absolute dumb... when it comes to all of this.

Did you come here and think I was going to stroke your little f***, egotistical, entrepreneurial. I feel like some of it's justified. You're lost, man. You're lost. You need a therapist and a mother that loves you. Download my new simpler budget app to date 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 is Benji. I'm 25 years old from Los Angeles, California, and this is financial audit. Thanks for coming in, man. I know it's a decent trip there. What are you doing in L.A. for living? It's an expensive city. Yeah, no, it's rough, but I definitely have a job. I absolutely love working at right now. I definitely have a job. Good. I do. I do have a job if I wouldn't be a little bit of a problem. I'm, I kind of do like classic car restoration as well as contracts for the city. It's a little bit of both kind of depending on the day,

but mainly the contracts for the city are what brings in the money. We're trying to do a classic car restoration business kind of on the side of it. So it's fun. It's super fun. I'm trying to get more into the mechanic side of things. You look like the man version of the alien that makes the clones that Obi-Wan talk to in episode two. I'm just starting to watch Clone Wars like right now. That's actually so funny you bring that up.

Maybe that's why you're converting into one. Okay. So how much do you make in this job? I make 26 an hour. Oh, okay. Depending on... At LA, though, it's so expensive. How many hours a week do you work? I try and get to 40.

I kind of struggle getting to 40 right now. I feel like my car has been kind of stopping me from doing that. I just have... What? I'm actually, like I said, I am a mechanic, so I've had water pump issues. I have to change a PCV. You're a mechanic. Mm-hmm.

Yeah, it still... Gives you an upper hand. Yeah, but it still costs money to actually get those parts. It does. So it takes time. What's wrong then? What's, what's, it's undrivable sometimes? Some, yes.

How often? Um, I wouldn't say often, but I've had to borrow my grandma's car. Oh, there you go. So what's the issue then? That one also broke down on me. So, yeah. And you're not upset of you. You're just like, guy endlessly like, oh, can't come.

Oh, can't come. I mean, they're super understanding. That's the good thing. Yeah, but for how long. Oh, can't come. Yeah, we'll see about that. I mean, like I said, those contracts are actually like set in stone. So there's not actually a time where I,

I have to be there 40 hours a week. It's more for my sake, like having to make the money actually. You know, obviously I should be working 40 hours a week. But they actually don't require me to do like too much on hand, actually. Yeah, but you want to work 40 hours a week because you make hourly. Yes. It's not more. So it hits your account on a monthly basis then.

How many hours a week are you on average actually working? On average, I get around 30. So. In L.A., I filmed with two people ever from L.A. Mm-hmm. both 30 hours a week in the $20 range in the 20s per hour. How the fuck are people surviving? Definitely, I feel like it's just a little bit of like, you know, finagling, finessing a little bit here and there.

What are you finagling? I feel like if you cut corners in certain spots, you can, you know. Cutting corners? What are you cutting corners on? Like, you know, I mean, I don't really like, I don't feel like I have like a crazy. I feel like I don't eat too much. You spend $800 going out to eat. Shut the fuck up.

I have like one good meal or a few meals. Shut the fuck up. $800 going out to eat, shut the fuck up. So, yeah, I'm not really sure what the cutting corners are. I mean, I know they're definitely. Oh, immediate backtrack. Okay. Yeah.

Yeah, I looked at the spreadsheet as I was sitting down. $800 going out to eat, basically. I mean, yeah. I'm cutting corners. I'm eating. I don't eat much. Spends $800 going on to eat. What the fuck?

I would have been spending a lot more. If I actually ate like a full three meals a day in L.A., I feel like it would be probably like $2,400 a month. Are you good grocery shop? I feel like I do grocery shopping from time to time. It's just... From time to... I feel like I do go...

What do you say? Buddy, I don't want to brutalize you out of the gate. What is I feel like I grocery shop? Like, I feel like a grocery shop. Or even worse. What is the... Yeah, I'm cutting corners, actually. make things work as and I'm not really eating chocolate.

That's not true. Immediately, that's the one thing I looked at as I sat down. Other than that, I'm going into this blind. I was like, I'm curious. What is this dude eating out? You know? What is this dude eating out? I don't know why.

Usually I actually don't look at that, but when I'm sitting down. But I looked at it specifically. And it had to be the one thing you immediately just try to bullshit on. Come on. You're sitting here. You came from L.A. What the fuck? Yeah.

I mean, you know, I was, I feel like, I feel like food is one of the things. that is like kind of like a, you know, like you get a little bit of a excuse, a little bit of a pass on it. I was a chef and, you know, I feel like it is like I can cook. Were a chef? I was a chef. Yeah. I mean. Are we talking fucking apple bees or what are we, what are we doing here?

You're 25. It was an Italian restaurant. I mean, if you want to actually know the name, you know. I don't, but I'm assuming it's Olive Garden. It was not. It was, it was fine dining. It was, you know, I learned how to actually do proper prep and, you know, make good quality food, but I feel like...

Sure, sure, which means you could cook at home is what I'm hearing. It's the... Versus, I'm a chef so that it excuses me to go get McDonald's every day. It's the time that takes to actually make those meals, I feel like... Meal prep. Who likes meal prepping in reality? No one who likes diet in poverty, apparently you. I wouldn't say I'm dying yet, but you know...

Yeah, but you're on your way. You're mid-20s. You're going to be the person in mid-30s who can't afford... Well, you're the person in your mid-tod. you can't afford a car repair, i.e. the car that gets you to the job that gets you that hourly pay because you live in a driving city. So I think you've already put your cyphled in the cycle of you. I don't think so. I feel like, you know. What? What? Oh, fuck you. I feel like being on like, defensive, man, okay. I feel like being on the edge right there is like a smart thing to

kind of, you know. What? Like, being on the edge of what? Like, I feel like living on the edge. It's fun. It's kind of like. It's fun not being able to get to work. Hi, boss. I can't come in. I mean, that part's interesting, you know, but it's, you know, you have to figure out at that point, like, oh, okay, I think my car broke down. Now I got to figure out how to make that extra money. How do I get a little side hustle going? How do I, you know? Why make your life, why make your life hard mode? I don't understand. I don't think I put myself on like hard mode, but I feel like, you know, interesting. It's interesting. It's fun. What are you talking about? It's not fun to, well, I'm assuming you probably spend more than you may go on a monthly basis. You're on the show, so you probably do. I'm assuming you have a lot. I'm assuming you have a lot. lot of bad debt. You do. Okay. Yeah, that's fun. What's your retirement? I feel like I don't have any retirement. Oh, so fun. I feel like it's a, it's a good challenge. Like, let's say, you know. It's a challenge, but you're not fucking trying to complete it. I would say that

I am. I would say if I looked at myself from a, from like a two-year past standpoint to now. Why the fuck are you here, huh? I definitely feel like there's change. that's possible and I always feel like everyone's capable of change. So I definitely think, like I said, from two years to now, I have changed so much for sure. Worse? No, for the better. Absolutely for the better. Man, if I came on this show two years ago, it would have been terrible.

I feel like I wouldn't even have known what to even come up. Cool. How much did you spend last month? Last month, I would say probably like around 2000 or 3,000. Hmm? 2,000 or 3,000. Okay. So what hits your account on a monthly basis?

So let's start there. Yeah. I mean, what cash is being deposited, by the way? Because there's cash being deposited. So that was a Zell payment, if I'm correct? Nope. That would be Zell. What cash is being deposited?

I'm not even really sure what that cash deposit is. Okay. I had $1,700 hitting your account from what looks like your income. What hits your account on a monthly basis with your income? It depends, like I said, on the range that I work. Yes, I'm an average guy. I would say like 2,400, something like that. Okay, 2400.

Let's say 2,400 hits your account a monthly basis. And you think you spend 3,000? Yeah, about something like that. Okay. Which is you improving? I feel like from before, absolutely. So we're gonna pat ourselves on the back for overspending by 600. Woo!

I'm fucking destroying my life! But at least it's not him. What? What are you talking about? I mean, I feel like that's kind of a valid argument. No, it's not a... Okay, then you're never going to get anywhere.

Then I don't know what the fuck you're talking about. I feel like there are people that are in worse situations. There are. Why does that mean you can be in a bad situation? But because it's not the worst situation, your situation is all of a sudden good. It's not. Why is you not living your best life okay?

Because other people have it worse. I'm not saying my position's good, but I'm saying it's not a valid argument. It is a valid argument. I'm saying it's not a bad life. position, but it's not good. I'm not sitting here saying like, it is a bad position. You spent more than you made. You spent $3,304. So if $2,400 comes in, he spent $900 more than you make on a monthly basis. In fact, of the $2,400 that comes in, you spent 37% more than it comes in. You spend 37% more than it comes in on a monthly basis.

And that's not bad. The fuck is LA. I feel like we can both agree on that one for sure. LA is definitely... What are we talking about here today? Guy? You know, I mean, I just feel like I got it like a... I feel like what I mean by like living on the edge, I feel like I have like a nice, complicated...

What is this obsessible edging? Dude, what are we talking about? Tell me. What are we looking at today? What is your life? I have a pretty complicated living situation. So I feel like, you know, at the moment, It's actually not bad, but, you know.

Okay, what? What's going on? I feel like if I were to have to move, I feel like it would get a lot worse right now. But at the moment, my living... What does that mean? Are you, like, living with your parents or something? No, I mean, I live... I'm kind of living in, like, a family apartment.

So, like, I've had this apartment in my family for, like, 30 years. The rent-controlled? Yeah. Mm-hmm. So my dad lived there since he was, man, 20 with my mom. And then my brother moved in and... No wonder they don't build housing there. Who would have thought?

Mm-hmm. It's almost like the places with that policy have the most expensive rent. Yeah, so anyway, I had just actually gotten back from the states or to the states, and I ended up taking that apartment, so I've been in there ever since, and it's amazing rent. It's super cheap and everything. Good, then why would you leave? What's the complicated part?

There's, I believe there's some mold growing underneath in the basement. We'll have the landlord take care of the mold. So I've actually contacted the landlord. They had an inspector come out, and they were like, all right, yeah, we need to check this out. We're going to get onto something. And nothing's happened. I contacted the landlord again. It's actually not the landlord, the initial landlord that I've had.

Well, they're honestly probably legally incentive to do so, but because of your situation, they are not financially incentive to do so. Exactly. Which usually produces worse housing. You're right on the money, yeah. So at the moment, I had that landlord that we had known from the family for like 35 years, and he actually made a deal with my dad when he first moved in, like, hey, I know that, you have a lot of properties to manage.

she was managing like 15 properties. So he was like, hey, I can do the maintenance for this place. So if any of the tenants have plumbing issues, whatever it is, I can handle it. Just give me a little of a break on the rent. So that's how we actually got that little bit of a... Obviously, your dad has failed. There's mold growing. Well, yeah, I mean, I feel like once he moved out, obviously, it got a little bit.

When did he move out? 15 years ago, it's been a while. My brother moved in. Oh, my brother moved in. So, yeah, it was my brother moving in, and then I moved in after. So, and, you know, I, done what I could to help with the financial stuff. I mean, not the financial, the maintenance stuff as well. And we've always told the landlord, like, hey, if there was something that we can't handle,

we'll hire a plumber, an electrician, and then send the bill to you. So our landlord was super cool in understanding this whole time, but he recently passed away. And the kids took old. No, just from old age, thankfully. He's got up to like 95. So he had a good life. But his kids took over the company or took over his property management and he didn't they didn't really want to do it it was a lot so they signed it over to a property management company oh yeah and that person you know they've been trying to sell it for a while and the kids have been trying to sell it who the who would buy it again nobody there's been listed for you're in a city that discourages housing being built a city that discourages new units being opened because your family just stays there

for generations discourage is actually keeping the private properties up into current repair, because why would they? And now discourages them from selling the property to people who might actually want a management. Yes, what a very productive city. Yeah, nothing's even up to code in that house. Like, nothing's up to code. I'm absolutely not surprised. Let's be real.

If your private student loans have your eye on a third job at the local taco stand. Maybe it's time for a better plan. Why Refie is your lifesaver in a sea of death? I like typical loan sharks who treat your credit score like a magical crystal ball. Why Refite cares if you actually want and can afford to repay. So forget about jumping through hoops and start jumping for joy at their under 6% interest rates. That's right, 6% less than 6%. Plus, they've got a co-sign or release program so you can finally give your mom a break from your financial baggage.

So consider it your early Mother's Day or Father's Day gift. They also offer a structured repayment plan to lower your monthly bill and personal reps who actually pick up the phone. It's no wonder why they've got a 4.6 star rating on Google, apparently treating partners like humans actually works wonders. So if you're sick of interest rates that are so high, they may as well charge you for oxygen. Y-R-R-R-R-E-F-Y-R-E-F-Y-R-E-F-Y-R-R-E-Fy is your shout-ed real solution. No more losing sleep and no more ignoring the mountain of student loan statements on your kitchen table. Go to Y-R-E-F-Y-F-Y-F-R-R-E-F-HOMR. that's yrefi.com slash hammer or call triple eight Y refi dash 78 that is triple eight Y refi

dash 78 and get out from under the weight of private student loans let's make your debt meltdown a distant memory not a daily reality so so they want what happens if they do sell it I mean you're still going to be legally in the rent controlled situation caps a what 3% a year or something if I do sell it they've offered a buy out so I would buy out of your lease uh you're Yes. So. Would you take it?

Why would you take it, though? You have the legal protections. Like, again, you are incentivized. You're hurting the market. You're hurting other renters. But you are incentivized to say there as low as you can. Yeah. And I plan on staying as long as possible, but at the same.

So why would you accept their buyout? Because it seemed like a sizable buyout. What's the buyout? Do you know the buyout? He offered $40,000. Yeah, because I bet it will jump up to like, well, what's your rent? It's 972. so it's the cheapest rent you can get anywhere in L.A.

So they're kind of like, hey, you got mold in your basement, but the rent's $9.72. So you kind of just got to buy your time. But there's still legal obligations. Oh, I agree. You know, and I'm sure if I had the knowledge and the skills to actually take legal action, I'm sure there would be something I could do. But, you know, 25-year-old living in L.A. I'm not really, I'm not a lawyer.

So what are you going to do with the $40,000? How quick will that go, though, if you all of a sudden have to get, like, the median rent? We looked up one bedroom median rent for the episode we filmed for L.A. A little bit ago. And one bed for the L.A. Metro, meaning even the furthest edges. I don't know what part you live in, but it's $2,000. So that's, I mean, just the $40,000. What about the $2,000?

I mean, that gets your 20 months of rent. So, I mean, that helps. And they're telling me you apparently live in one of the nicest areas. So we're looking at like $2,600 for just something. in mid. Okay. I live in Pasadena, which is one of the nicest and most expensive areas. Surprisingly, I have a very cheap apartment that's not nice and expensive.

But I actually work in Walnut near like city of industry. And that's a lot of it more cheaper, like not fully developed area yet. So if I were to be bought out, I would most likely go there and probably get somewhere around that area where it's a lot cheaper. Okay. Well, I want to see. Well, someone who gets into these kind of bad finances, someone who spends way more the make on a monthly basis, $40,000 that would be a lump sum.

Obviously, rent's going to go up. But I want to see how you think you'll pay. Can I whiteboard this? I want to wipeboard this. I want to take a little look. And we're actually just going to film behind you as well so that the audience can see it. I want to see what you think $40,000 would go to. Draw out for me your game plan of how you would use $40,000.

Okay. So, sorry, I'm going to keep close here. So we got $40,000. 40,000. Probably start. with some car actually probably start by paying off any of the debts, so whatever that would be,

I would probably allocate like $8,000 to all of that, take off debt. Oh, so you're immediately fixing your debt without fixing your behavior that got you in the debt in the first place. Okay, great. That's going to turn out so well. It's always turned out so well

in the history of this show. Going to get the living situation set in stone. 2,600 for your area, if you want to stay in the same area. For the first month. At a minimum. At a minimum. I'm first, so let's say closer to three, three, probably. Three thousand.

Great. So then we make $2,400 a month. This is off to an amazing start. So our apartment. And then we'd repair some, probably repair the car, so we wouldn't have to worry about that any time in the future. Okay, you put $3,000. That's one month. So this is $40,000.

So this is $3,000. I mean, I still have a job. So, you know, get moved in, get set and stone. That makes $600 less than your rent. Yeah, but, you know. know, at the, you know, getting my girlfriend to actually, we have, we're splitting bills and, you know, what does she make? She makes 22 an hour.

Okay, so 75% of your household income goes to rent. And then, and being able to actually. So you're covering one month rent. So if we, if we. We're at 12, we're at 11,000 so far. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting $179. like the next grill three-burner gas grill

or get $50 off to select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all together. Shop spring backyard days for seven days at the Home Depot. Now through May 6th, Exclusion supplies to homedipo.com slash price match for details. I feel like that's a lot of money left.

It is. With one month of rent. Yes, and if I were to move somewhere that was closer to my work, I feel like I would be able to work a lot more hours. I wouldn't have to worry about my car breaking down as much because it's a 40-minute drive to work that actually is very hilly. Keep going. So it does a lot of damage to the car.

Yes, hills in L.A. We would have never thought. Keep going. So I would say the car repairs would probably be around $1,600. So car repairs. Reminder, you're 3xing your rent, even though you can't pay for that $1,600 in car repairs right now. Mm-hmm. and I would get So we're at 11,000, 12,600.

So I mean... I'm questioning the schools in L.A. right now. Yeah, have a good amount of emergency fund. We could probably even put like $20,000 to an emergency fund or something like that. Sounds lovely. Yeah. So let's do $20,000 for an emergency fund. In reality, it would probably become...

43,000? Or 33,000? 33,000? Yeah, 33,000. It was the next seven. Seven would probably be, let's see. I mean, it would probably be smart to put more allocated money towards rent and stuff, like you said. Two months in a week?

I mean, it's something. It's definitely better than one month. What happens during month four? Well, by that time, I will have, hopefully, you know, I have my emergency fund and I'm hoping that I'm working enough. So you drain your emergency fund over the course of, but see the floor. laws here. I think even though that system, again, encourages behavior that fucks everyone else, you are in a system where if you are selfishly taking care of yourself, you should probably stay there except for the mold situation. We obviously, but there are legal obligations of the

landlord. So you have about six and a half months and then you're in your emergency fund and then you're on the street? I don't think so. Like I said, I feel like if I'm in a situation where I can work more. You get an extra 10 hours a week. Okay, so we boost up to $2,900 in a month basis. Great. Okay, $100 under your rent without utilities. When we actually planned to... We actually had a plan for when we did decide to leave.

One of our friends would plan on moving in with us. He lives with his parents right now. Okay, but that means you have to get in a more expensive place, though. Yeah. You don't have to cover the full thing because you'll have a friend helping, but you're not getting a $3,000 place anymore. Maybe we're getting like a $4,000 place. And if for some reason this friend ever moves out,

the friend ever dies, happens. And then you got a $4,000 price tag on you. Yeah, I feel like, get them on the lease at a minimum for legal obligations. Yeah, I feel like that would definitely be something that we would do. I don't think it would be something where it's like, hey, just come move into our apartment with us. Yeah, I don't know. You spend $900 more than you make on a monthly basis. I'm not really taking you as the person that makes sound decisions. Yeah, I mean, the plan isn't to leave that apartment, you know? I mean, I know I have a gold mine there right now as it is. So I would definitely try and stay there as long as I possibly could. Yeah, you should, because even your $900 in rent, right?

912, 972? 972, yeah. It's already 40% of your income. You're over the 30% I'd want you to be. So it's so stupid. It doesn't make sense. Now, you say you, but your girlfriend doesn't make much. Okay. How long have you guys been together? Coming up on three years. So what's the question then? Are you asking whether or not you leave or stay? What are you trying to do. And by the way, you're a little consolidation of debt by using the lump sum to pay off isn't going to do anything. Look, you already spend $900. You spend, what was that, 35% more.

You spend 35% more than you bring in. And you think paying off your debt and a lump sum is going to work. No, you're going to rack up your credit cards again. You're going to be like every single person that's ever been on the show that is in the consolidation before or a credit card transfer before or a bankruptcy before. I just build it up. yeah like I said I wouldn't plan on leaving there at all

so I'm so what are we talking about then I'm happy where I'm at right there I just you know I just not really I don't know I'm just set on a

I feel like that's a good living situation I feel like my job I feel like I agree like I feel like all that stuff is like so what the fuck are we talking about like I definitely feel like everything I have is like right on the edge And so like you said, if stuff were to fall out, I definitely would be like in complete despair.

I don't know why your company has to let you go, yeah. So, yes, that is true. So yeah, I definitely think, you know, trying to figure out exactly what, you know, would be the best. Mm-hmm. The best in terms of what? In terms of, you know, the next step of what the future would be in everything. Okay. Okay.

Hey, so you might get like, who even knows? I don't know how they've kept you. This is the career you want to do, though. This is what we're sticking with? No, I mean, I definitely love it. And like I said, if it branched off into something, I would be super happy about that. What do you mean?

You know, like if it were to be something that blew up and was like something where it was making tons of money. You're a contractor. I'm not a contractor. I was signed on. We do contracts for the city, but I'm signed on. You're going to, if it blows up, how do you make this?

So we're talking about from the classic car restoration side of things. If it were to blow up, if we were to get more clients doing that stuff, that would be a side of things I would be interested in doing. Sure, but why do you get the pot? Because I'm doing a lot of the work right now that is actually going into restoring those cars. On your contract, it says if it makes a lot of money, you get a percentage? Yes, on that part. But what I'm hoping for is those bosses really like me. So if it gets to the point where it does.

do something and they start to, you know, get ready to retire, they could pass that company. Are they ready to retire? How old are they? They're getting closer. Why would they pick you? They're both in their 50s. Neither of them have kids. They're business owners. They're not going to do the 59 and a half retirement. Trust me. They're definitely getting tired of it for sure. They've both moved out of California. They're both ready to live there, you know, just high life and just chill. So if I were to, you know, get that business inherited, I would absolutely stay there. Why you? Because I'm the only one that's really working there putting them the most. They don't have kids. They don't have family. They have nothing. No kids. They have, they both have wives. But other than that, I mean,

they both. Why did I think they were together? I was very confused. Okay, that makes sense. But yeah, so if I were to get that company, I would love to say, if not, then what? If not. Because you're banking a lot on that. If not, no, I'm trying to start my own company and kind of like the EDM world. So. A company in EDM? Mm-hmm. So, I mean, there's a lot of companies. Is that just fucking selling, like, I don't know, what is a company in EDM? No, so, you know, I feel like there was a huge untapped market in EDM with how much it's blowing up right now. You're right. There was 15 years ago. I feel like there was, there still is a lot when it comes to stuff like artist interviews, when it comes to like lifestyle brands and stuff.

Lifestyle brands. Oh, wow. We're getting a lot of just like terms. So I feel like. Not a lot of very narrow ideas. Okay. Not very honed in. Go ahead. Please continue. I'm very curious. But I feel like that. Please continue. I'm very curious. There's something I feel like untapped in that market. Sure. Tell me what it is. When I like watch, for examples, when I was looking for, you know, like get to know more about the artists and get to know more about the scene, I feel like it is really. A niche artist?

Not even niche. I mean, I feel like they're getting like the EDM scene starting to get more mainstream now to the point to where it is actually getting big. Yeah, but the niche artist, were you looking at a niche artist or a worldwide famous artist? And both of them. I feel like even with the worldwide famous artist. If the worldwide famous artist is not getting covered, then there's no market for them to get covered. trust me, it would have found itself by now. I definitely feel like there's coverage, but I feel like the way they're covering things.

Cool. What would you do? I want to hear this because if this is your fallback, this is an important revenue stream, apparently. I need to be able to vet this. Please, tell me. I know you like free things, and I'm giving some things away for free right now, and let me show you how to get it. First, I'm giving you a limited edition financial audit tumbler, plus a third. 30-day trial of simpler budget premium to new users when you buy my four-class bundle.

And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30-day simpler budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd, so this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. and now is the best time to get started. Grab your free limited edition Tumblr,

sit back and finally take control of your financial future or don't, and you can end up right here. So when you're looking at artist interviews and stuff right now, you're just looking at the most rinsed out stuff. You actually don't even get to really know about anything about the artist, about the scene itself. I want to hear what you would do. What I would want to do is actually get into it more on the ground.

so have like a media team like at the festival grounds at the shows. You have a team? That would be the goal. That would be the long term goal. High up front costs. Sure. At the moment, I've been doing it all by myself and I can do it myself. Wait, you've been doing this.

This is ongoing. Yes. Oh, sick. How much have you made? Off of the actual YouTube itself. The YouTube? So off of, okay, so this is a channel. It's a channel and as well as I have a website that sells.

Beautiful. Business and total. What have you made over how long? Um, probably been about two years I've made probably, like a couple thousand in profit. Okay. I don't know if this is a fallback. Um, it's definitely something I've been putting in the works. Has the business proven itself? I don't know.

I think so. I feel like... Two thousand hours and two years, that's a thousand hours a year. I feel like those have been strictly in clothing sales and... Buddy, this sounds like a hobby. Hey, honey, it's mom. Did you know if we switched to Verizon, we can get four phones for $0, $0,000 plus four lines for $25 a line? Call me back. Me again. That's just $100 a month for four lines on unlimited welcome.

Plus four phones, no trade in needed. Call me. It's mom. America's Best Network, Verizon. That's the one we're talking about. I'll send you text. America's Best Network based on Root Metrics, Best Overall Mobile Network Performance, US second half, 2025. Four new lines on a limited welcome and auto pay. See Verizon.com for details.

I'm sorry. I feel like at the moment it is, but the goal is to... What's your plan for turning that into a whole business? Is getting more trying to get more media credentials. So once I get more of a popular, you know, people actually knowing the name, getting the name out there. Okay, but you're talking chicken and egg. How do you get the name? Just by going out there, going to shows, going out and talking to people and all that. I feel like, like I said, the clothing brand.

Yeah, well, the clothing brand isn't, you don't get name from the, you need to be able to sell your clothing brand. And again, that's chicken and egg. That's a brand clothing brand. I've made quite a lot of sales on that. You made 2,000 hours and two years. And I feel like that's on just of one item itself, actually. So I've had, I mean, you know, I've had quite a lot of orders. I feel like that was in strictly profit. Two thousand hours and two years.

Mm-hmm. I feel like, like I said, I'm not trying to tear down this idea, but I also want to bring you to Earth. Yeah. And I think every time I've, like, worn my clothes in public, every time anyone's seen them, they're like, yeah, those are. Is that one? No. But. Good.

Thank you. But they, I mean, this is from vans. What's the best seller? It's kind of like a sweatshirt. You know, obviously the movie Shrek. So it had like the S from Shrek. You know how the S has the ears coming out? Yep.

One said slut and like the Shrek font. And then the other one said Daddy and it had the font like that. So get to $10,000 in sales and have them copyright you. Yeah. It's possible. But I mean, do you see how many people are making those kind of like knock off t-shirts all over? You don't think the brands try to go make money or get a cut from it? I'm sure they do.

But I mean, there's so many and it's few and far between. I feel like it would be. Yeah. But if you're a big. player, they'll go. You can make you a couple thousand dollars, but in order to make a living off of it, yeah, they're going to want their piece. So I definitely think that was my most profitable sale, but getting people on. A brand that you did not. Getting people onto that website and looking at my other designs, then people would be like, oh, okay, this dude has some other cool designs. Let me try and

that's like me launching a YouTube channel. I take a Dave Ramsey clip, but I just photoshopped my face on it. It was like, look, I made a successful business. I mean, that's the thing. A lot of people are doing that now and it works. Yes, but they will, okay. All right, let's get into this money then. That's a scary career fallback because that's not a, you're going to, I mean, you would have to, I'm okay with that. I love the entrepreneurial spirit. I'm okay with you pursuing this. It's going to be more of a hobby and then you turn it into a full-time thing, but as a fallback, that is very scary for a job, you do not show up too reliably. So I don't know why they, I don't know why they keep you around. I'm just saying like in the risk of a not percent chance that they will,

let you go because you're not a reliable if I wouldn't know if I wake up and I wouldn't know if my employee is going to be there. Like they might be lazy. Sounds like they're on the way out. Maybe they don't care as much

but maybe the new person who would run it who might not be you would rather have a player on their team instead of a D player. I'm just saying that's a scary fallback. That's a scary fallback. I would need you to fall back into

preferably a career position that makes money. My particular fallback. That was more like my life goal. That's the goal. That's what we're trying to get to. That's even worse. That's not worse.

That's not worse. That's okay. That was my goal. I'm very confused. Are you going to own the business from them or are you going to do this? Because both, it's going to be hard to do it the same

at the same time. Both at the same time. I would try and do both, but it would be really which one would work out more. You would be split and neither will work out because you'll be split. Listen, there are people run multiple businesses, but they take a business, they grow it from nothing to 100,

and then they start their other one. They don't try to do two at the same time at the equal starting foot, especially building one from zero. Well, the other ones are like 50 percent. You're like, oh, it's like you just get split. You get separated and then both fail. Okay. Where do you think your finances are zero to 10?

Zero being the worst, 10 being the best. I would say like a three or a four. You're on this show, buddy. I promise you're not. Okay, but it's a good. I know where you stand mentally. Okay, go to Calebhammer.com and take the assessment if you want to figure out what your hammer financial score is. You can also click the link in the description below.

And if you want to come down here to Austin, Texas, we'd be happy to have you in the studio. And it'll be, it'll be our brand new studio by the time you're seeing this. So that's exciting. Go to Calebhammer.com slash supply. We'd be happy to have you. Okay. I got a city advantage card. What's going on with this card?

What we got? What we got here, guy? Yeah, so I mean, I opened that card years ago. That was actually the first card I ever opened. My mom helped me open that one. And that was right when I got back from the States or to the States. I always mixed that up. And, yeah, I feel like it was initially meant to help kind of just pay off some bills.

And I didn't really understand concept of credit cards. So I just kind of splurged on it. I had just gotten back from volunteering a lot. So I just came back and was just doing a lot of like kind of materialistic spending. That was around like 2017. Okay, then what the fuck is happening now? Because it is maxed out. Yeah, I feel like it's just been something that-

Don't give a fuck about 2017. I just feel like it's something that's never been able to kind of like bounce back from. That's not true. You're spending on it, you little tit. That's not bouncing back? No, there needs to be a way for you to spend 35% more than you bring in. I'll tell you how.

A credit card. Buddy, it is maxed out. If you went crazy in 2017, okay, you went crazy in 2017. Wonderful. Good job. Yeah, minimum payment would have brought it down from the max in eight years. Yeah, I've definitely still spent on it. So I give a fuck about 2017. You're fucking up now. I've definitely still spent on it. Yeah, I, e. 587 dollars in five cents this last month alone. So what are we talking about? I don't care about 2017. I feel like that was just, then was like the like really irresponsible spending. I feel like now.

This is not irresponsible. Taking it to the max right now. I feel like all the things on there, though, are more essential items, like food, gas, stuff that... Yeah, what do you qualify food essential? Essential food. Buddy? Buddy. Buddy? Buddy.

I'm looking at the purchases. I'm not reading her now, but I know the highlighted ones are bullshund. And guess what? About 95% of them are bullshit. So, fuck you. I mean, you're just, you're lying. You're lying. Or you're just completely brain dead in terms of what is actual necessities.

The line. Lying to yourself. Hardcore cope. thinking you're this big guy, this big entrepreneurial guy, I'm doing everything right. No, you're not. And you need to be brought down back to earth, not to be mean, but so that you can actually live a halfway decent

life because it is not going to help you baby and you giving you the pat on the back that you think you deserve by not being the worst. I feel like a lot of people take those kind of like corners cuts when it comes to food especially. Which you bragged about being a corner cutter. So second time bringing up a corner cut, saying you did it first

and now you're saying other people do it. Okay. go on. Let's hear how this ends. Yeah, because I feel like food is one of those things where it's like people struggle with food because they're just like, man, eating with food. What is struggling with food? If you're meal prepping, for example, like you said earlier,

it's just like, man, they get tired of eating the same thing over and over again. They get tired of what's doing all the... What do discipline people do? They commit to it, I would assume. Cool, wonderful. Great. Go on. I don't think that many people would want to commit to something like that.

It's not about want to, buddy. Is that about Do people meal prep because they want to? Or do people meal prep because they have a goal that they want to? They don't meal prep because they wake up and they're like, oh, nothing's ever sound better than meal prepping.

No, they are on a diet. They need to budget, and they want to do those so they are doing the action that is less than pleasant in order to do those wants. No one wakes up and says, man, the most fun thing I can think of, today is meal prepping. No, nobody wants to meal prep. Nobody wants to. No. People want to not cook

during the week, so the action is in meal prep. People want to lose weight, so the action is in meal prep. People want to budget and not eat out all the time, so the action is meal prep. No one wants to meal prep. No one wants to only spend a couple of percentages of their income while they're in debt on fun. They want to spend more. But they want to get out of debt. So they do the thing that is less than pleasant in order to get there. Never bring up again that people want to meal prep. Nobody wants to. It's not about that. It's about the goal. Picture this. Your phone's buzzing all day with calls from debt collectors. Every email is a past due notice. Knock on the door. Could be a debt collector.

Who is it? Your wages regardless. So you can't afford groceries. You can't feel your gas tank, you can't get a car loan, can't run an apartment, and no shot at buying a house. It can't sleep. It can't eat. That's the reality of living in debt. And it's happening to people like you every single day. You don't have to live like this. Contact PDS debt.

They've helped tens of thousands of people live debt free. PDS debt goes beyond the numbers to understand your unique financial situation and craft a personalized plan designed just for you. There's no minimum credit score required. to help you save more, pay off your debt faster, and start putting money back where it belongs in your pocket. PDS debt is A-plus rated by the Better Business Bureau, boast hundreds of five-star reviews on Google, and hold the five-star rating on Trust Pilot. But why?

Yamava Resort and Casino at San Manuel is California's number one entertainment destination for today's superstars. Catch the Jonas Brothers return to the Yamava Theater stage on April 30th, the powerful vocals of Demi Lovato on May 17th, and the signature. your southern country rock of Eric Church on July 19th. Tickets on sale now at yamava theater.com. Only at yamava resort and casino celebrating its 40th anniversary. U.N. must be 21 to enter. Yes, that has helped tens of thousands of people get out of debt.

Listen, when I was in debt, I struggled to do anything I could barely afford to move if I had to. And I wish the service was around once I fixed my behavior. It helps. It can get you there faster. honestly, you're 30 seconds away from being debt free. Get your free assessment and find the best option for you right now at PDSdebt.com slash hammer. That is PDSdebt.com slash hammer. PDS debt.com slash hammer. I've never meal prep before.

So I guess, you know, I guess I haven't really thought about it that way. But I mean, you've never done anything before until you did it, buddy. You were born. You never did anything other than being born. And then you did for the first time. It's not that big and scary. It's not skydiving. I don't care.

Listen, use our cookbook. Use our cookbook. You get a copy for free. Everyone that signs up for the premium version of our budgeting app, simpler budget, which I highly recommend for you, gets a signed version of the cookbook. I'll send it directly to you and our simpler budget founders edition journal as well, which we'll give you before you leave. I don't know you had a cookbook.

That's pretty cool. Yeah, it's right here. Oh, okay. Oh, yeah. Okay. So, yeah, that at least helps. You just follow a recipe. I've never meal prepped.

All he has to do is cook freeze, cook freeze, cook freeze. This is not crazy. Again, this is not skydiving. This is not the scariest thing to try for the first time. I just feel like a lot of people, you know, I don't think many people I've talked to really do meal prepping like that. So it's something where I've just never been like, oh, that's the thought that'll get me out of, like, debt is meal prepping.

The majority of people I know, I go around the street. I meet a majority of people. They're all financially. So that's okay for me to be. Your logic and all these things are so flawed. I just hadn't made that connection of just being like, whoa, I eat out too much. Let me start meal prepping. Like, that wasn't a connection my brain.

Why? You haven't tracked your spending at all? Not really, no. Then you don't even know if you're doing better than you were a few years ago. I mean, the first card I'm looking at out is a max out credit card. Sorry, I don't think I ever said the balance. $2,0.0.95. $0.95.

minimum wage payment $123.87. $51.92.92 of interest accruing. Yeah. I feel like I did do slight meal prep practice. You know, a few years ago, I was doing some gold prospecting for fun kind of at a little bit of a time. What? What are you saying then? I was just saying that I kind of had like a little bit of an idea of it and, you know, maybe it could try it again in the future. That was something I was doing in the past. But yeah, I just never made the course. correlation of being like, oh, that's something that'll save me money.

Well, correlate then. Okay? There you go. Helpful tip of the day. Like, I'm sorry. I just think that was something that was like a time where I was doing solid financially, I feel like. So I think, you know, that was why I brought up like that. It was like, oh, it's something that makes sense.

You could correlate those together. And you said you were prospecting for. gold. Like, what the fuck even is that? This is the person I'm dealing with. No offense. The person who thinks they're prospecting for gold is a good career choice. It's the person who thinks that going to EDM music festivals is a good career choice. That taking copyright brand and selling those is a good career choice that they think they are going to get the business that they barely show up to work for is going to have, like, come on. What a narrative we're telling here. I feel like now the more I learn, what the fuck are we doing here?

a gold prospector? You got you a little pickaxe? And what are you? Who am I talking? What are you talking about? Why? When? That was a few years ago.

For what? Reason. This is not the 1800s. There are still people gold prospecting. You always bring up other people. How about you for once? You look to everyone else except for yourself,

for some reason when you talk about literally anything, did you make a grand profit? it. I wouldn't say a grand, but we made... Well, then I don't give a... If you made enough money for it to be good, you'd still be doing it. Mm-hmm. Ha-ha-ha. So what did you make?

We made a couple thousand dollars. It was enough to pay for rent and pay for food and everything. Yeah, for how long? A month? I think it was like three months we did that for. Why didn't you keep doing it if you were making enough to survive? Because in Southern California, you're only allowed to do so much. What does that mean? There are laws permitting you from doing an...

like a kind of like excess amount. Of gold prospecting? Mm-hmm. There's only... They know? I wouldn't say they know like they're tracking you, but I mean, if you see someone coming out with... I mean, out of a canyon where you're gold mining...

So you're going into a random canyon. Mm-hmm. And mining for gold. Mm-hmm. Yeah, with my roommate. It was super fun. And, I mean, it's profitable if you put in the work. And, I mean, if you go to a place like Alaska...

Just like everything else that we've talked about. Yes, it is profitable if you put it in the work. Somehow you don't seem to do that. I had put in the work when we were in SoCal. Like I said, there was only so much we could do there. Are you not in SoCal? Well, I said I was in SoCal when I was in SoCal doing that. That's where I was mainly doing it.

But like I said, if we were going to somewhere like Alaska, if we were going somewhere else, that it was much more rich. And there were actually permits and stuff for us to be able to do it. That would be something we'd be able to venture into. But that takes a lot of capital and put it down. And this is what I talk about. with that split. The split of I'm going to try both businesses. You don't know what you want to do.

You get excited about something. Then you do it for a few months and then you're off and on to the next thing. Which means I know so many people like you. There's an entrepreneur spirit that I legitimately do like and appreciate. But if you can't dedicate yourself and sit down and narrow your focus, you're never going to end up anywhere successful. You're going to be doing this same thing, one new thing per quarter for the rest of your life. You're going to be chasing. get-rich-quick schemes or something. Like, eventually you'll find yourself in something like that. I don't, I feel like I'm smart enough to not get myself into something like that.

I don't think so. You spend $900 more than you make on a monthly basis or $800. I don't remember at this point. It's been a while since we talked about that. I don't think so. But I think those, I think it's something where it's like I feel like I see an untapped market and it's definitely something I can do. I just don't have the tools to do it. Which market are we talking about? Let's say the EDM one, for example. You don't have the tools.

What's the tool? camera? I started this with a little camera. Media credentials. I started like you said with a camera is definitely something that I've already started doing myself, but to do something where it's like... Why are they going to give you media credentials? That would be something I request to do something like I said. Why would they give you? Artist interviews. Because I feel like that's something where if I were to build my brand more,

I would be able to represent... Again, chicken or egg then. Chicken or egg. You build your brand by being able to do those, which you need your credentials for, but you need a brand. that is built in order to get your credentials. So I don't understand this business plan. It is not making sense. And then we have a max out credit card. And you're going into a business that does not have a proven track record of profitability

of something of a brand that you own, not Shrek-years. And we're going in with a maxed-out credit card, one that you're still already spending on, one that takes nine years to pay off. By the way, you tried to talk about 2017 eight years ago, meaning this would have been paid off essentially by now if you didn't purchase on it. And you only did minimum monthly payments. So that is the life of a smart person. I just go ahead. Waiter snitchell.

A critical thing. A necessity, as he said. Subway. Uber eats. eBay. eBay. TicG player. eBay, eBay.

Going inside getting some bullshit. What are you a Zen Popper? You an energy drinker. What are you doing? Wait for a while. It looks like you went into a little petromart. You did not. not get gas for just a couple bucks.

That depends on what it was. I'm not entirely sure. Probably a lighter. Could be something like that. You got two lighters in a row? Okay, that's weird. Uber eats, Greyhound Bar, and Uber Eats for $51. $91 and 92 cents of interest is accruing.

It's a 30% interest rate. And you said, da, da, da, da, da, da, da, that it is necessities. That's what you said. I see the majority of those are food purchases. We're 30 hours a week, and yet you cannot actually go to the grocery store and prepare. even though you were a chef. And again, like I said, I mean, I'm pretty sure you're at the credit limit. No, it's fucking worse.

You, dude, the smart guy, the smart guy. Again, the smart guy. You started over the credit limit and you ended even more over the credit limit. Over! I thought you were max. You're over. Over. Oh, okay.

I think when you look at those purchases, a lot of them are just really, really food. So it's... What does that mean? What does that mean to you? Why? The words you came out of your mouth were the dumbest, most fucking stupid things I've ever heard in my life. But then your tone with it was so sincere. So what the fuck are you trying to say? It's, I feel like that's something that's fair. It's $50 to Uber Eats and one purchase. For two people. I think that's kind of fair. $20 per meal for two people. $25 per meal. Okay, 25 times. Two. That's 50. Okay, that's cool.

And we know what you guys kind of make on a yearly basis. Oh, it's time set by three, three meals a day, three and sixty-five days a year. Awesome, we're going to spend more than we make on a yearly basis just on food because we need $25,000 per person. And we're going to be going up to $55,000 a year on food costs. And that's worth it, he says. The smart guy, the entrepreneur, the business titan. I think there are, you know, like I said, that's something that means. Most people are like, they're like, hey, let me just get an Uber Each real quick.

Why the fuck do you give a shit about most people? I don't give a fuck. I want people to do well, but I don't care what they're doing. I don't base my life on what other people are doing. I don't base my life on them. Why do I give a fuck? Most people out there are weird. I don't care what they're doing.

Most people are financial failures. Most people are family failures. people struggle out there. Go on Twitter and everyone's a pearl-clutching weirdo. I don't give a fuck. I don't live my life based on weird motherfuckers. Why do you care about these other people? You bring up other people endlessly.

Why do you care? This is your life. Live your life. I think when I'm bringing up other people, it's just saying like in contrast, there's a lot of stuff that, you know, there are places where it's just like, oh, that's something that a lot of people also do. So it's like, in my head, that's where I'm like, oh, that's kind of okay.

No, you're coping. You're fucking coping. Speaking of your endless cope, two letters in a row what the fuck you're even, you're obviously smoking. What are you smoking? Based on this conversation, I'm pretty sure it's crap, but what are you smoking? I just smoke, I don't smoke anything. How much? I feel like I, I mean, I smoke daily, but I don't think like a crazy amount more.

than anyone else usually would. More than anyone else, again, with that. I promise not everyone smokes daily. Well, no. Yes, that is more than most other people. Mm-hmm. I meant people that also smoke, but... Jake, you're a p.

Is that more than most people smoke? I don't smoke daily. It's more than most people smoke. Okay. Well, I don't think it's something that's like... Okay, wow. You can never be wrong, can you? Yeah, you're definitely going to get places in life.

Can't listen to other people. So glad you're on this show. Capital One. Wonderful. Cap one. What are we doing here? What's up with this card? Let's talk about 2017 again.

What happened with this card in 2017? Honestly, I just think that was a lot of impulsive spending. So it's the same exact thing you said for the last card. Yeah, I just, I didn't really understand the concept of credit cards. So I just, you know, kind of spent like crazy and splurts a little bit. Something's going on here. on here. One second. There's no way this minimum monthly payment is $239 without something

funky. Fees. I've seen fees. What the fuck are we doing? It's a past due. Your past due. This is two payments. Dude. How long have you been past due on this card? A few months, I think. You are in the most privileged position in the world with your rent situation

and you, and because of your privilege, you are preventing the housing supply meeting market demand. And because of your privilege, you are in a position where you get to take advantage of it. You and you alone and live an amazing life financially. And yet, you were multiple payments behind on a credit card. What the, why? Why do you not care? What, like in your mind, what are you trying to do in life right now? Because you're not

showing up to work. You're incapable of starting a brand that doesn't rely on IP that already exists. What are you trying to do? You're over-maccom. side on that other credit card all on bull and think that it's okay to have a $25 per person food budget per meal. What the fuck are you trying to do, man? You know what? Sorry, before you answer, I feel like this is how you've gotten through in life because you're able to sit down, you were able to be monotone, straight talk and just sound like

a person that is able to actually be reasonable. yet once you dig deep into the actions, into the philosophy, into the ideas that you have, it is all fucking broken, and then you're not willing to admit once when you might be wrong. So tell me, what are you trying to do? Because right now, it's nothing but failure. I think with those cards in particular, I was just trying to focus on other ones first. And, you know, you still have to make the minimum of the payments. There is not a debt payment strategy in the world that says don't pay,

unless it's let them all go to collections, then negotiate from there. but I wouldn't recommend that. You'll fuck your credit. So tell me then, what the fuck? Because no one suggested that. Or did someone suggest that to you? No one suggested that. Then why did you choose that?

It just seemed like the other ones had a higher interest rate, and it just seemed like it was a little smarter to pay off those ones first. Sure, but why does that mean you don't have your minimum monthly payment paid on this? I just didn't get around to paying that one. Get around? It's been multiple months. What does get around to opening an app? No, I'm not going to do it.

to let you get out of this. That is bullshit. I just didn't open the app and didn't get around to it. Okay. Can't wait for you to be an employer of others. Sorry, guys. I just didn't get around to opening the platform and making payroll for the last four months. I just didn't get around to it. Well, that's it.

Again, that happens. No, it doesn't. My boss does it from time to time, and I'm understanding about it. Then your boss is a bad boss. then you work for a horrendous boss. I don't think he's a bad boss. If he's not paying you, you're not working for a good boss and good luck getting the company from him.

I think it's, you know, everyone has stuff that happens to them and I feel like it's okay to be understanding. You know what? It's good to be easy. It's a kid to be understanding, but if something didn't happen in your life, that was a life-altering thing, you're able to call the credit card company

and tell them about it. You didn't do that, and nothing did happen. You just were lazy. I think it's a little bit of, both. I think I'm definitely... What happened then? I think it's a... What happened? I think there's a few mixes of everything. I had a shoulder surgery that had me out of work for about 2019, 2020. Then fuck off because this is these last few months. So that is the dumbest thing I've ever heard in my life. You had my sympathy for about a half a second.

Like I said, there are a few things. And I feel like all of those things... Yeah, tell me. What happened? What happened the last few months? The last few months. My girlfriend's also been out of work. She's also... You told me she made $22 an hour. She just got a job a week and a half. ago actually. Okay, so you were fully supporting her? How long was she without a job? About four months. Okay, and you guys are together. So I wouldn't be surprised if you fully enabled her bad behavior because you know nothing about good behavior. Go ahead. What else happened? What else happened? Yeah, you're in a rent of your dreams. You could have made your minimum payment of what? Would have been what, like 40 bucks or something? Maybe like 100 bucks? I don't know. I'm going to mark it as 100. You were just stupid with it. You could have made it. Go ahead. What else? What happened? Life happened. We couldn't make a payment. Life happened. What happened? Her not being able to work, me my car breaking down at the same time.

And I feel like it all kind of added up. And, you know, it's just, it's definitely, you know, at this time, especially like the past six months have been just rough with bills. I had to take my dog to the vet. Because you have put yourself there, though. The dog thing you can't control, but you can control whether or not you have pet insurance. And you can't control whether. I do have pet insurance. Then you're okay.

Yeah, but I mean, it still ends up being a pretty hefty bill sometimes. This is a chunky deductible at the beginning, but it's not something that would wipe you clean. Yeah, I mean, when you're in the situation that I'm in where all credit cards are maxed out, I feel like... That you did. That you continue to do. Look at your spending. You spend $700. You spend $900 more than you make it on a monthly basis.

It spends 35% more than you bring it on a monthly basis. You spent almost $800 going out to eat on a monthly basis. You spent $50 in just one Uber Eats order, and there were multiple Uber eats orders there. And you spent hundreds of dollars on a monthly basis because you're a normal everyday average smoker. That is very normal for people to do. And then you don't actually show up to work. So, L.A. is not the best in the world for public transportation. But I know if you spent the time, you could have gotten there.

And even more so, I know that if you actually make what you say in the hours that you put in, you would have made a return on investment if you Uber. I don't think so. And you don't make enough money and you need to find another job. Which, by the way, is honestly probably true for L.A. making $30 an hour for L.A.? Yeah, it's time to price shop. It's time to job search.

It's trying to move up your skills. I agree. And I feel like we were talking about fallbacks earlier. I feel like if I were to leave that place... Your fallback is Shrek years. I feel like if I were to leave that place, I've learned a lot of skills. I feel like I've done a lot of welding and fabricating there to where I could actually... Will that be able to be featured on your resume?

Yes. There you go. So I feel like that's something I could easily go to after this if it weren't to work out. And I think I could probably get paid more doing it. I might start looking at that. I've thought about it, but at the same time, I really, like I said, I like my bosses, I like the job and I feel like if...

Trading Eshwab is now powered by Ameritrade. Unlocking the power of Think or Swim, the award-winning trading platforms loaded with features that let you dive deeper into the market. Visualize your trades in a new light on Think or Swim desktop with robust charting and analysis tools, all while you uncover new opportunities

with up-to-the-minute market news and insights. Thinker Swim is available on desktop, web, and mobile to meet you, where you are. It's built by the trading obsessed to help you trade brilliantly. Learn more at Schwab.com slash trading. Something were to come out of it. You've also lives in a different state and they don't pay you. One of them does. I mean, you know, the other one does still currently live here and he has an office out here. Or not here. Sorry, we're in Texas right now, but lives in L.A. And like I said, they like me. I mean, obviously, if I'm not going into work that much, they obviously like me

enough not to fire me. So. Or they don't think they're going to be able to pay pennies on the dollar for another employee because they accept you accepted and they're like oh we got lucky. Guys, I just wanted to say an extra thank you for making simpler budget an incredibly popular app. I wasn't expecting it, but we literally get like 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 sent 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 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, 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. I don't think it's that. I definitely think they're, they know the situation that they're in financially and they're happy with it. Is it or bad? They're good. They're very happy with it.

And, you know. You know the situation they're in financially, so they're willing to pay lower. What are you talking about? That would suggest to me that they're not doing very well. No, I'm saying They know their situation And they're just kind of like Oh, this is

Not like a side business But they're like this is like their hobby shop Or they're like hey, if this blows up Awesome but we're not really sitting there like Wait, your entire future is baked on a hobby shop? Oh, I don't know it was a fucking out Fuck me dude Oh, you're killing me

You just Like I swear, on the side You design words to murder me Like I said on the side There's city contracts that make the main amount of money. Median average hourly wage in the Los Angeles Long Beach, Anaham metropolitan area. So this is even the lower cost of living areas in that area that at just a town.

And I know you're not in that. $35.25.29. You're making under that, including the lower paid areas. It's probably closer to like 40 in your area. I just, I don't feel like that's not true. I mean, I know you're looking it up, but I mean, I have people that are. currently living there and no one's making 35. No, you just need to go get stabbed or something, but I don't know.

No one's making 35 an hour, so I don't know. I don't know what that's. No one that I know. Yeah, you probably get taken on a short bus to a special place on a daily basis, and those are the only people you know and you base your entire life off of them, and that's why you think you're doing okay. Even people, I feel like you walk into any, you know, the minimum wage obviously isn't 35. So and that's

Yeah, most people don't make the minimum wage. You think the minimum wage is designed because everyone makes that? The fuck are you talking about? I feel like everyone's close. Like any fast food service, retail. Sure. In that job,

you think that's what every job is? That's not every job, but that's a lot of jobs, though. But it's not every job. And that's all those are the majority of the jobs that people that aren't, that aren't people that have like qualifying degrees,

have certifications or anything like that. You have certification. you fuck. I do. And like I said, I feel like I know. So what the fuck are you talking about? Congratulations. You made friends with a fast food worker once and you based your entire life off of them. Like, I don't know what to do off of that. That's not how a normal human operates guy. Oh, you're insufferable. I'm sorry, you're insufferable. I don't like you. I've officially decided I don't like you. Your credit scores basically 500. Um, this is absolutely stupid. I'm gonna just die. Okay. Okay. I feel like the, I feel like the job market. I feel like

is something that a lot of people struggle with. And I think, you know, everyone has to have a side hustle or something like that. Okay, not everyone has to have a side hustle. And our unemployment is about 4%. So no, not everyone struggles with the job market. Statistically incorrect. Yes, it is hard when you are unemployed and you try to find a job, especially if you're competing with the job that you had previously

and you want to get into a similar income scale or a similar job, similar comfort level. Sometimes you'll have to start lower and you'll have the job, pop, you'll have to figure out. You have to work internally in that company to move up. But no, what you're saying is not. Just an average, everything for everyone. I don't know why you compare yourself to everyone, especially when you don't know the statistics around everyone.

I just feel like it's different in L.A. I feel like there's a lot, especially like you're saying. I literally just told you the median wage in the L.A. metropolitan area. I just don't know about that one, honestly. You don't know, but I have just told you. And that is from the sources of Bureau of Labor Statistics. I just feel like from people I talk to a day to day that everyone's always saying. They don't matter.

They are notepid. I think everyone also has the same struggles that I have that they have side-hust. The unemployment rate in L.A. is higher than the national. It is 6%. That sucks. The national median or the national rate is 4.1.

So it is higher. Yeah. Like I said. I'm not surprised. I mean, it's not a very business-friendly place. Yeah, I just feel like, like I said, I feel like, I feel like, I feel like, I don't give a fuck what you feel like. I really don't.

Everything you said, you feel like. is not correct. Okay, well, they're telling me you have some kind of investment. But I know you said you don't have retirement. What is your investment? I try to invest in whatever I see profitable. I feel like right now that's Pokemon cards. And yeah, I have a really, I think a really high appreciating asset of Pokemon cards.

And I feel like everything I've invested in, I've made money on. Like if you check my Robin Hood account, it's in the green. And it's pretty... You said you didn't have any retirement. I took it. I mean, I've since taken it out to help try and pay off from stuff. But when I was investing in Robin Hood at the time, I was in the green. And I was very high in the green.

And I feel like that's the same with a lot of things I invest in. I do make money on things. I put money towards. So I feel like that's something where I have a lot of money. I've never had a Pokemon car. Honestly, I don't fucking know. I don't know the statistics around that. But you sound like a fucking dumb.

No, I promise you. That is a market that is there is profits. to be made and it is in a huge boom right now. And you'll be living your entire life and paying all your bills and not being in a bad credit card debt and not be financial. It was really good. As easy as that.

Hey, same with the gold prospecting. If it was doing really well, you would not be in the finances that we have talked about so far. It is as easy as that. I think with those things, it's having the capital to do it with a lot of those things. Do you have like a picture? Show me your stack.

I brought my Pokemon cards. I'm not going to buy them, but you can show them that you want. A lot of people, a lot of people buy Pokemon cards for, like, the packs and stuff, right? You know, that doesn't make any money. I focus on, like, the high-tier cards. I always go to swap meets and Facebook marketplace and try and find the cheapest deals possible. So I actually know what my money in. I'm so glad you're spending all your time doing this instead of actually going out and showing up to work.

So I do know my money in, and I know what my value is currently at. So I know I'm in the green. If you don't know what your value is at 100% In order to realize that value, someone else would have to get it. You can guess it. How much have you put in? I've put in around 2,300, and it is worth about 40. You can barely put, you couldn't even pay the rent for the place you would move to

if you took your lump sum off of that. So that doesn't even matter. This is so insignificant. This is so insignificant. And it's worth about 4,500 right now. So I feel like that is a pretty big sum, and it's something that appreciates. And it's something that, you know, it goes up a lot. So that's something I feel like isn't a bad investment at all.

We have some math over the past 25 years. Would you like to hear it? Sure. Fided by that 25 has an average yearly return of 0.8%. Little under the 1%. You're not beating inflation. You're not beating bonds. What the return has been over the last 25 years.

Over the last 25 years. This hasn't been 25 years. I'm just telling you what the average rate of return has been. been. Yeah, I would say I probably started investing in Pokemon cards, maybe about a year ago. And yeah, I feel like I've made a really good profit in that time. Well, I think we will see a return of 13% between 24 and 2024 and 2034, a 13% return. Not annual, though.

As far as I can tell. Okay, show me. What are they worth? You put $2,400 in? What are they worth? Yeah, they're worth $4,500 at the moment. Good. Sell and pay off that.

So that's what I've thought about doing, but I've definitely at the moment. It is still rising. Yep. And if then I don't give a f-sell and pay off that. Because I doubt they're rising at a 30% rate. Some of them 182%. Yeah, in a year. But if something...

No, in three months. If something's even worse. It's even worse. If something's able to go up that high in three months and their crash, well, I'm not going to say it's going to crash soon, but their crash is going to be just a same. spectacular as the rise. Yes. That's how really anything goes like that.

Absolutely. And I feel like if you know when to look for the rise and the crash, you know how to make money. Your day trading. Some could say that, I guess, yeah. 10% of day traders are successful. Like I said, if you check my Robin Hood account, it was very high in the green as well, too. So I feel like that's something I am pretty smart with doing. And I feel like I know at least a little bit about how to make money on that stance.

If I feel like I had a little more money to spend, I think I would have made some more. That's aren't perfect. There is no market perfect performance of what the average annual return is. And it depends on the pack. There's some packs that have obviously returned like 12% compounding your arm. 50% compounding on a year. Well, yeah, those are packs. Exactly.

But there is no full market average return like there is in like the S&B 500. Even Bitcoin. Like, there's least even like average yearly return with that. But we can't even find it. Can't even find it. Yeah. And that's because it's so much. of an untapped market. It's so much of a boom right now at the moment that it is kind of hard

to do research on. But if you're in the scene like I am, you see people that have started with an investment start at $10,000 and they're up to like $78,000, $80,000 and just a few months. Some people, just like some people day trading, they do incredibly well. We're talking a small percentage. You have never been successful at one thing in your life. And you've tried a thousand different things and you've never been successful at one. I have no confidence in this. If I had the capital to do it, I feel like it would have been a lot more successful. and there's no stats around the percentage of people that are successful in this as well it's not a big enough market for that

it's not people fuck around and they make money but it's not a big enough market for that and I'm okay it's like a little gamble it's a little fun money but you don't have that fun money you have a credit card that was over the balance then what was this last card oh no the first one was over the balance

This last one, yeah, it's past due and over the balance. So I need my notebook, buddy. Pick it off over the ground. You made me rage throw it. Your fault, not mine. I'm using the same language you've used about your entire finances. Okay, show me a card. Sure.

Why not? I'll take a look. I think they're definitely... That's your entire retirement plan. I think they're definitely of good value. Sure. Unknown V, I choose you. This one alone, I think, is ranging at $312 right now for this one.

Cool. Sell it. There's some back here two that are worth a couple hundreds. Cool. Sell it. These are all very expensive ones. Phion. I choose you.

Ben Boulder, I choose you. Professor Research, I chose you. That one's around $200. It's a really solid one as well. And these ones stay very collectible because they're old. So these ones are all very old cards. These ones are newer ones that have high value at this moment. I'll be honest.

I don't give a fuck. Put them away. I don't give a single. First edition. There's not a f*** that I give. I'm sorry. I'm sorry. I have no interest in that.

All I know is you're in a market that has no actual statistics around that can be scoured throughout the entire internet. And this is your entire. You have no focus. You try a thousand different things and you're going to be trying a thousand different things until you never find one your entire life. That's how people like you end up being. And I don't want you to go down that path because you can actually live a good life if you hyper-focused on something and make it the best you can be. Be relentless about it. But instead you're split between a thousand different things

and day trading cards. But wait, didn't we just have people on the show that were day trading cards? A couple? Yeah, we had a couple that were day trading cards. They put in money they saw a little bit of return for a while and then they fucking like lost it all or something.

Like they can just boom crash. And you're in that. I don't know how they lost it. Take the return while you can get it. That's the plan. That's definitely the plan. If it was the plan, you would have sold it. Sell it when you leave.

I've sold some of it. If you actually see on some of my statement, it shows that I sold a good amount of it and you see empty pages in there. I don't think I can get through it. I'm going to sit you down with the Sondromind therapist. They're good. You get three free therapy sessions. Sit down to them.

Maybe they'll tell you to stop being a dumb. Except I think they say it nicer. I have another card. Discover it. Discover how I can get the fuck out of this conversation. Balance is lowering on this one, $1,5008. $85. Inches, $0.24.76.

at least there's no purchases, $45.5 minimum fee payment. It's over the balance. It's over the balance. Three so far, three in a row. You can't do one thing. You're incapable of one thing. Well, you see there was no purchases on that one. I mean, you know, it's not like I'm...

It's just splurging on that thing. It's just... It's at the... Wishing you could be there live for the big game. Soaking up the atmosphere the crowd, but too often life gets busy, or the price holds you back. Priceline is here to help you make it happy. With millions of deals on flights, hotels, and rental cars, you can go see the game live.

Don't just dream about the trip. Book it with Price Line. Download the Priceline app or visit priceline.com. Actual prices may vary, limited time offer. Bound at a dot, and it goes over for, you know, a little bit of gas here and there to drive the car that I need to get to work. You don't drive the car. When I can, I do. But you don't, because you never go to work. I feel like if I had a much more working car,

I'd be at work 40 hours a week happily. Because it's not the job that, it's not like I'm sitting there saying like, oh, I hate my job, that's why I'm not at work. I need a better job. It's just... I very much advocate against it, but I think your parents needed to beat you

when you were a kid. This is just... I don't know. I mean, you're fucking... I'm sorry. All right, your mind is in that TikTok, Finfluencer, dumb ass. And you're gonna, do you create like little finance TikToks?

Because I bet you will soon. You're gonna try to show people how successful you are. And then you're gonna lead people to just being like broken. Finance TikToks, I don't know what that means. You don't know what that means? Like me making finance TikToks? I don't know why. You can't put the word finance and TikTok together.

I mean, I can understand the blanket term of that, but I just don't know why I would be doing finance TikTok. Because you follow, you, the way you talk to what you've operated, it's like you've fallen down that rabble hole. And people like you always end up to start making videos on that. And then you're going to take all these other impressional people and take them down that rabble hole, destroying their lives. And it's sad.

$24 and 76 cents of interest, 27.24%. interest rate on here. Above the credit card limit because we're just... How did it even... You must have been late on payments. You must have had some miss payments that put you over the credit card limit or else. Why would you even be on that? It was just plain putting a gas payment on it.

I mean, that's the only thing I've ever really even put that card on. Initially, it was... I can't trust you. It was a balanced transfer, and I transferred the money over from the capital one to there. When? Say, like a year or two ago. Then why would it be over the limit now? Because I just never made payments to get it.

it back to where it was. You know, it was at zero percent interest for the year and I didn't pay it off enough to get it lower. So now it's just back up towards that. But I feel like that's the one I have under control the most where it's, you know, limited spending and I, you know, pay the monthly payment. Did you come here and think I was going to stroke your little, egotistical, entrepreneurial dick?

No. Is that your intent here? No. Because what the f***? You can't acknowledge you're wrong. You're an absolute dumb. When it comes to all of this, but you continue to use language that you are not a dumb. Like, I don't understand what we are trying to do here.

And it is enraging. I can agree that, you know, the financial situation I'm in isn't good. Oh, it's not good. It's not good? But I feel like some of the stuff is. But I feel like some of this isn't good. But I feel like some of it's justifiable. I feel like some of it's justifiable.

Okay, let me know when your balls drop and then tell me what the f is just a. The gas. I mean, if you look at that Discover card only right now. I don't see gas purchases. You just said there were gas purchases. I can't believe you based on everything you've said so far. Whether you want to believe it or not. Well, you open the conversation with the shortcuts I'm taking is not spending money on food. And then that's where all the first credit card that was over maxed out went to and you spent $800 a month on food. Okay. Yeah, I mean, $800. You bring in, what was it, $2,400. Okay, you spend 33, 34%. Your income. food. Guys, that's my cutting corners. Yeah, that's not even including groceries. Obviously, it's more because you do get groceries. Mm-hmm. Waste of my fucking time. What is this?

This is like a firm or something, isn't it? It's all over-fitting. It's all overdue. It just says overdue, overdue, overdue, target, target, Amazon. Why can't you make a fucking singular payment in your life? You are a child. You should never run a business until you can't

until you can at least manage your own fucking payments. You're going to screw over vendors. You're going to screw over other services. You're going to screw over other employees or other businesses that you work with. You're going to screw over your customers. You are not in a position

where you should be in any kind of service to others. You're going to ruin them. I agree that I'm not in a position right now. And that's why I'm trying to get out of that position. Do you start every sentence with a voice crack? I think that that's something I can actually get out of this situation. What, the voice crack situation or the financial one? No, I'm just not going to address the voice crack because that just is what it is.

If my voice cracks, my voice cracks, it is what it is. But with these, I feel like I'm not in the situation now, but the goal is to get out of this situation. The goal. So we can work towards it. Yeah, the goal, the goal, the goal. The goal. Three credit cards. There's only three as far as I know.

We'll see. All over, one completely late affirms not being paid on, but the goal. The goal is to be better. The goal? You don't know what the fucking word goal means. What are you talking about goal? You're on the other side of the goal. Everyone else is kicking their soccer balls into the goals.

you're on top of a skyscraper considering jumping. I don't know what you're talking about. You're not even near a goal. Well, I think that's, you know, that's the point. What are you going to say to justify that? Shut up, dude. That's the point. Shut up.

What are the obnoxious fuck? Yeah, you're getting Amazon? Let me see your Amazon account. Let me see. Maybe I'll get a little joy scene of a f instead of your face for a second. Gosh, I'm pissed. I'm being a little. That is because I, there are not many people.

I dislike more than your personality. He giggles. Great. He's getting off on this. No, I just feel like, you know, there are people that are in positions. Oh, we're going to compare ourselves to other people again.

Shut the fuck up. I'm not getting that. I feel like it's... You could have connected to the Wi-Fi out in the lobby where I said, hey, connect to the Wi-Fi. I didn't think I would need to do that. Come on.

I don't think it's loading. It's not because you didn't connect to the Wi-Fi. Mm-hmm. Do you want me to? I could just tell you what it was on my Amazon. I don't think you'll believe me. Why would I believe you? It was for PC parts.

I got some RAM because I needed to upgrade my PC to hopefully, you know, get this business going. What? I'm going to get your business to where you want to go. What the fuck are you? What was your RAM situation before? It was eight gigabytes of RAM and I needed to upgrade. That is pretty shit. It was terrible.

Yeah. I got 32 gigabytes. It wasn't that much. It wasn't that expensive. but it was enough for my PC to run smoothly so I could edit videos in 4K but that I wasn't... What the fuck?

Yeah, maybe, I don't know. I don't know. I feel like that's something that is a... You're overdue. You're overdue on your fucking stupid little Amazon payment. Yeah, that affirmed. Yeah, why don't you say some words? It was a lot worse before.

It was at like, I think, $1,900. And, you know, I was doing lots of splurging on that before, you know, with that gold prospecting. I loved gold. So I splurged on some... gold jewelry there and you know i splurged on some sneakers on stock x so you know i feel like that was that card was terrible before and you know it's made some good strides i feel like it's you know now you look at it like you said you're like target amazon and they were kind of essential things the target's just groceries

and amazon's pc parts to try and make a name for myself to try and make a name for myself to rip off another brand that's one of designs i have plenty of designs you said you sell one design no i said that's the one that has sold the most. So there are other designs that I've made myself that I feel like a lot of people like as well. And if I get the market to it, people will purchase it. You made your money off of one design, you said. The most money on.

Are you changing the narrative? No, it's just that's what I've made the most money on. When you get it at Target? Because I don't believe for a single second, it's all necessities. It's just groceries, yeah. I don't really. Really? I don't believe you. I don't.

I can't. I can't. I can't. Let's see if I can't. I can't. I can't. I can't. I can't. I mean, fucking, you're a firm.

We got the PlayStation. And you're paying for PlayStation plus, I'm being told. You're still paying for EA fucking play. We're getting a stupid RAM first to fucking PC. So stupid. What? They're saying you're buying some producing software. See, are you making your own EDM now?

That's the goal again. I think it's a good thing to have goal setting. Sorry. I'm so sorry. I'm so sorry. You're lost, man. You're lost. You're beyond lost?

You need a therapist and a mother that loves you. You're lost. I don't know. Dude, there's nothing I can do here. I can budget you. There's budget. Budget? Sure.

Sure. But you are lost beyond lost. This is nothing. This is all mental. This is all mental. And I cannot fix that. I can budget people out of a situation, tell them out of sacrifice. You're fucking lost.

You're lost. And you enrage me to talk to you. Not in the you, you, you haven't like been mean. You haven't done. You're just fucking, you are the personality type that I cannot handle. And I don't want you in front of me.

I'm going to specifically request for my own sanity. I'd just be fucking done with this, honestly, because it's a waste of my time. Please go to the lobby. because I don't want you in front of me anymore. That is an actually, yes, that is an instruction. You are not welcome on my set anymore because you're lost. I can't help you.

I'm wasting my time. Please leave. Walk away. Dude, I'm sorry. I'm done. There was a- No, just walk away. I don't want to talk to you anymore.

You justify anything. You will not listen to one thing. This is unproductive and I'm done. I'm done. Dude, I said please leave. You're not a dick. This is just a waste of fucking time. Okay.

Hammer, financial score. Go, fuck yourself. I know. Oh, okay, I'm being mean, okay. Oh, okay. Okay. Okay. What am I thinking? What am I thinking? I'm thinking I'm not having a good time and that it's a waste of time and that he won't listen to me and he has no path and he needs a, like, that's, I'm, I'm, I don't think I can do that one anymore, guys. I'm done. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm going to talk to the producers and stuff in the post show and we'll look at the rest of this bull, but I'm done with him. That's his he's so f***. You're done. Okay. Bye. What a fuck. What a f***.

But wait, there's more. Two years late on his taxes. What a, man. It's bad. What a degenerate. What a slut? What a f***. A leech.

Bring him back ever. Maybe I do have to call him and probably throw a mug at him. See, fuck off. To watch the financial audit post show, click the join button below. You can't reason with the sun. Trust us. We've tried. This summer, it's.

Time to put that angry ball of fire on mute. Columbia's Omnishade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your summer at Columbia.com to spend more time outside and less time slathering on allolotion. You're welcome. Columbia. Engineered for whatever.